Reddit Posts
I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
Doubling your money (+100%) is worse returns than if you’d just have invested in VOO (+158% since 3/1/2020).
His cost was 30.45, so he would have made 44%. Meanwhile, the same amount in VOO would have returned 'only' 25%. Looks like **we** were the clowns after all 🤡
Depends on your risk tolerance. At your rate there's no obvious 'free money' trade, but many decent ETF's will reliably provide returns well over 6%. I personally would prioritize emergency fund savings first, and once you have a six month emergency fund divert to VOO or VUG (or a mix of those) for growth that is highly likely to outpace your mortgage interest rate.
Just to add to this, if you're new to investing start simple with ETFs. Essentially, let someone more experienced with you manage the balances. Remember 93% of investors can't beat parking money in VOO or VTI. Do a little exercise: create a watchlist on Yahoo Finance and put an equal amount of money on stocks you are interesting in with VTI or VOO. Track this over 3-6 months and see what happens.
“Conservative investment” “VOO”
The market is doing the exact same thing it did last year. I made a joke about how it felt like a Boner that you want to go away. You’re getting kind of sore. It’s just annoying at this point. The market is just at a very high point. It feels like it should go down. But it’s not going down. People are a little iffy on investing because they think a bubble is gonna pop. I think an early 2026, we’re gonna get some more political news, it could be about Venezuela or something like that. But there’s definitely gonna be a drop in my opinion like back down to the mid 500s (VOO).
why not just 700k into VOO.
This is what I would do. Selling the ETFs comes with tax implications that wouldn't be fun to deal with. OP mentions that with the "economy the money they have invested could disappear overnight", if an ETF such as VOO just completely crashes overnight then we have a lot bigger issues in the world than their stock portfolio. Throwing the $800 they're currently investing into paying off the truck and the student loans would take maybe 4 years depending on if it's on top of a current monthly payment or not.
There are other good S&P ETFs that are not $600 a share. There are S&P500 mutual funds that inherently allow fractional shares. They are very close to being just as good. The difference is trivial. VOO should split at least 5 to 1. Don't know if or when they will do it.
You're 24, making $95k, and already thinking long-term, you're already ahead of most people. Solid foundation with Roth IRA + 401k. Stick with VOO or broad ETFs for the bulk ($800-900 monthly). Individual stocks are tempting, but a few companies drive the outsized returns. VOO captures all of them. Individual picks usually just add complexity and friction. If you want to scratch that itch with $200 monthly, fine, but your core should stay diversified. In 8 months when that car is paid off, that's an extra $1,000 monthly to deploy. Don't lifestyle inflate, keep that going into your taxable account. That's when compounding gets serious. You're already part of a movement that used to be locked behind velvet ropes. Stay consistent, stay disciplined, and watch what open access actually builds.
I think you’re right. But that HYSA won’t beat SGOV for long. And what state do you live in? Do they have state tax? Because SGOV would be better for that as well. Brokers also allow you to know historical performance and compare to a benchmark. So you would know what you gave up by not being invested in VOO and chilling (sp500 for example). It is a slight tweak. But a great habit for you guys being so young. I find people spend HYSA way easier than liquidating SGOV to spend. You would think it shouldn’t make a difference, but I can tell you anecdotally it does. Either way best of luck. My comment was meant to help. Take with grain of salt.
Use SGOV instead of HYSA. Buy whatever of those ETFs you like, just do it auto and weekly if you can. The best plans don’t rely on self discipline. Sell only when you have an urgent expense to pay for. If you want to switch the auto, that’s fine: VOO to SCHG to QQQM or whatever. Just never remove the auto. Always have an auto. Work to increase the auto. The longer you do this, the richer you will be. Best of luck!
Yeah... I suppose, but there are people who have... FAR more money than they dreamt of because of NVDA and... it's probably not a bad idea to diversify. I myself am one of those people. Long story short, inherited money and real estate, College Roommate is a CFA who is very successful, told me about NVDA, I bought 1500 shares in 2019, 1000 more in 2023 and now it's 40% of my portfolio. It was more, but I've been selling the rental properties. I think it's going to 300 by the end of next year(fiscal year). So F'27. But it's probably not a bad idea to sell 20,000 and put that into VOO or BRK.b. I also won't do it... but I should.
Use SGOV instead of HYSA. Buy VOO auto and weekly. Whatever you can afford after having emergency fund. Sell only when you have an urgent expense to pay for. That’s it. That’s all you really need to know. Your 401ks should be sp500, your Roth can have some stocks if you want a little more spice and have super long time horizon. All bluechips, don’t trade in and out. Spend less, invest more, automate. Don’t panic sell. That’s all anyone needs to know. You probably should find a trustworthy pro and delegate these tasks. They will soon not be worth your time to keep up with. Best of luck and sounds like you will do great!!
Thanks for the link in the post. It is doing well but had the dip earlier. So depends if you got in at all time high and need to be patient. Generally international does not do the same 1 to 1 performance as US stocks in the past. But with recent volatility I the trump administration, ilia dollar fluctuation and I believe further international investment away from the US. International is growing. Look at the trend how it’s recovering. Still. It’s a good idea for diversification if you don’t do that already. Such as a simple rule is boggle heads broad market and international mix. Or VOO or VTI and mix with VXUS (or your international fund). Hopefully above makes sense.l so you spread the gains in several areas. International can gain and dip with the US markets but they are not the same obvious for a variety of reasons. My personal beliefs is the trump admin policy will cause further volatility and make international more appealing for investors.
$50k seems like a lot, but if that makes you feel safe then that's fine. Put the rest in VTI or VI or VOO, whatever.
You can always use a mutual fund instead of VOO and VUG in your Roth if you want to be fully invested.
It really was a boomer move from Vanguard at the start. Not offering their own spot Bitcoin ETF is one thing, but straight-up blocking clients from buying certain ETFs was short-sighted and honestly pretty anti–free market. Meanwhile BlackRock,their biggest competitor, is basically the reason the SEC finally approved spot Bitcoin ETFs in the first place. IBIT has become one of the best-performing ETFs ever. When it crossed $100B in October, it did so in record time, way faster than the eight years it took VOO to hit the same milestone. Only 18 U.S. ETFs even have more than $100B, and IBIT is the fastest-growing ETF in history. So yeah, Vanguard definitely dropped the ball here and showed a lack of vision. Better late than never, I guess.
Good thing your young. Stick with DRIP into VOO youll be rich by retirement
I have an eTrade Roth IRA, which does not do fractional shares except for dividend reinvestment. Most of my money is in VOO and VUG. I don't have enough left over to get any more of those, so I put as much of the leftover as I could into USFR so that it's at least not doing nothing. Now I have less than 25 in purchasing power. How can I make those last dollars do some work? I understand that's a paltry amount, I just wanna get as much as I can working for me. If the answer is "seriously bro don't worry about 25 bucks," then I'd understand.
Yes, I would absolutely choose $50k in VOO over GOOG. I'm old enough to have gone through the dot com bust when I was a teenager. If you're asking this question, I assume you aren't old enough to remember the dot com boom. Do you even remember the 2008 GFC? The markets can change faster than you can possibly imagine. No sector or individual company is immune from having their stock price devastated. I retired at 35 and was pretty much all VTSAX (VTI) once I stopped day trading after the dot com bust. Even now that I've been retired for 7+ years, I simply keep three years of expenses in cash and the rest is still in VTSAX. I don't care whether NVDA, MSFT, GOOG, or whoever is next has a good run -- I hold them all and go about enjoying my retirement.
Minimal risk: HYSA, SGOV, Treasury Direct, CDs Historically dependable but has risk: VOO, DIA, VTI, ect. Plow money into saving while you can -- establish your emergency fund, max those tax advantaged accounts, pay yourself first, save for your next car, save for a down payment on a house
I started in QQQ for my first 25k. Decided it would be a drop in my end goal bucket so just buying VOO now.
Yes, in your case it would be easy just buy VTI and VOO puts OTM, find your beta weighted portfolio delta and just buy enough puts to cover your position if it falls 5-10%. At that point you could hold it during a market downturn sell when we bottom out and buy more VTI and VOO and wait for things to improve ride it back up and keep making money.
*"VOO and VTI has so much overlap I dont even know why you're doing that to begin with"* Tax loss harvesting. *"about "boomer index funds" while leveraging yourself into EDV, VTI and VOO?"* What boomer invests in EDV? Also, some of the positions I black out because my advisor asked me to. Those are more alternative assets and that's most of my investment. And as for the actual Vanguard funds, hey buddy, I don't like it any more than you but my advisor says I gotta take some medicine so I accepted some in them. *"but im not sure what you're bragging about?"* Half of this thread are people telling me I'm certifiable insane, and then other half tell me what I'm doing is not that big of a deal \*shrugs\*.
let me get this straight. you are talking shit about "boomer index funds" while leveraging yourself into EDV, VTI and VOO? VOO and VTI has so much overlap I dont even know why you're doing that to begin with. second, I applaud you for being "safe" and using those ETF's but im not sure what you're bragging about?
You are getting lower rates than the average ole trader to be sure. Because you’re using box spreads. Even if you are getting low ended rates 4-5%, you arent getting more than an 8% yield on most index funds, and MOST of your port, is VOO. You are gaining LESS than 3% per ea X margin youre using. If we be generous and calc that up, you are only making 18% yield, on average. And thats in a good market. Where the hell you are getting 27%, is beyond me with the current strategy you’re repping over here. FYI, you dont have to be a millionaire for low rates. I only pay 4% on loan balances for all kinds of shit with sub6figures. I just started 18 months ago, so dont get me wrong, im no expert. But i did 113% first year and 80% in the next 6 months, with no index funds and no margin calls. 🤷♂️ is what it is, this isnt how id use millions. Guess its a good call for you hold long-term treasury ETFs as a safety, but that could be making you so much more money too 🤣
Less than a third of my assets are VOO and VTI or equivalents. Around $2.4M out of $7.3M assets. Obviously, with hindsight, I should have gone 100% VOO and VTI, then I would be way way ahead of any leveraged S&P500 ETF. Unfortunately, i cannot predict which asset class will outperform, so I use many.
I like the strategy, I have an HNW friend who does the same thing with VOO at 1.7x and I personally run 1.2-1.5x on high-beta stocks as an active trader. Question about drawdowns - you got through 2022 by deleveraging to 1.9x preemptively in 2021. What do you do in a 20% correction that you don't anticipate? Accept every IBKR automated liquidation to bring your excess liquidity up to 0?
Probably because most people have a higher risk tolerance than neutral (which is what's required for 2x VOO to be optimal) so they're not willing to accept the higher return due to the increased risk.
I’ve been following your journey for months and it always amazes me how your strategy works. But wouldn’t this work with SPY, VOO, or QQQ if you lever 3x as well? I was going to mimic your Strat but I was too chicken lol glad to see your doing good and this hasn’t blown up on your face
Yep. Why stop of the horse wasn’t losing for 15 years. 🐎. If you don’t like the swings sell and put it in VOO. If it’s for personal. Like post says why pick one or the other when you can go halfies.
Totally get it. The core idea is keeping long-term, stable ETFs like VOO or SPY in an IRA or retirement account, and then occasionally adding small positions in fundamentally solid stocks that have been oversold. This approach is relatively safe while still giving you a shot at short-term swings. Do you usually stick to dollar cost averaging into ETFs, or do you also pick individual stocks for some extra plays?
He's got 90% on VOO or VTI. For all his talk about beating the market he's just investing in the market anyway.
hehehe VWO and chill not VOO and chill, everyone so confused because they so similar (it just 1 letter different!)
There is a TON of overlap between VOO and QQQ. You could dump QQQ and increase VOO to 75% (for example) and then the other 10% in international. You will see a minimal actual weighting change in your portfolio. Your concentration of major tech stocks will drop, but not by such a significant amount that you fall behind on your goals (assuming they are within reason)
Sadly, I keep a list with sold prices, current price, and how much more i would have if i didn't sell. Yes. I am a masochist. And none of these are "kinda regret", they are full "please God, let me go back in time so i can prevent this". ABBV GOOGL IBM LEU MSFT MPLX PLTR VOO
You're young. Go 35% QQQ. 30% VOO. 10% VT. 10% VXUS. 10% BIL. 5% IBIT.
If I just bought VOO and various ETFs, the returns would definitely be higher. But I belong here lol
sooo many ppl still keep getting fooled by these "professionals". if you don't know what you're doing in the stock market, just buy SPY or VOO or VTI or something similar and hold forever.
bought the dip on VOO when it went below 600. Loving this pump over the last week or so
If he is crying selling his shares it sounds like he is emotionally trading — maybe a good mix of VOO and bonds or a target date fund based on his expected retirement age would be a better investment vehicle for him.
Just saw your post in Suicide Watch. Please do not do ever think of suicide again! I lost half of what you lost through terrible "investments," now recognizing they were all gambling. Please seek therapy, seek out friends/family for support, understand life is more than money. You are smart and can make everything back. Just index investing from now on, only VOO or something similar. Your 130k can be 1M in VOO if 10% return every year for 22 years. I am going through this same thing but never had dark thoughts because of family and support. Every pain will fade over time. Time in the market and life is more valuable than everything else.
Regardless of whether they’re buying the top we see like the same basket of names being circulated around every stock subreddit constantly. It’s a joke at this point. If all you did was look at Reddit you would think your only choices are VOO for an index and NBIS and RKLB for individual stocks.
Or maybe the other way around— people selling the riskier assets (crypto) to buy more stable ETF (VOO).
I’ve put 102k in Merrill Lynch two years ago to have proffered status. It’s 168 now. 92k in VOO and 8k in Schwab because. Schwab returned 70%, VOO 60%.
You didn’t get defrauded but you got ripped off. It is well worth your time to sit down and watch some basic investing/finance videos. The emotions that lead to not wanting to do research cost hundreds of thousands of dollars at the least. You missed out on having $367k in a normal fund like VOO. 2.2 million if you used leveraged funds. But it’s better to have what you have then have lost it all. Second best time to plant a tree right? The broad conservative advice that anyone here worth their salt will tell you that a low-fee, broad market, US-based ETF has beat 9/10 professional investors over 10 years and that number approaches 100% as the time horizon increases. Check out r/bogleheads for more info on this theorem. The difficulty of beating a market index is such a consensus that it has a name, called beating alpha. Because of that there are many low cost SP500 funds to pick from, namely VOO. And honestly even that’s too conservative for me, I use leveraged funds because the market index is do solid. If I were in your position I’d put it all in SSO which is the ideal leveraged and least-sector exposed one. And honestly that’s still too conservative for me I dump my own money into TQQQ.
Yes get out now and open a regular account with Fidelity, Schwab etc as suggested above. Then go with conservative investments such as VOO or Berkshire Hathaway BRK -B. If you want to wait on stocks SGOV short term USA bonds pay over 4 pct annual interest. This is like holding cash + interest. International bond fund is BNDX, also over 4 pct, but I don't think the duration of the bonds is as short. The point is you can make $4K/yr this way.
This sub. But you will learn with enough time here that you probably should've stuck with VOO (or at least QQQ) the whole time.
Any other good stock subreddits out there? Stocks is just VOO VOO VOO smh
just make a fidelity account. move the money from edge to fidelity and buy some combination like 25% VOO + 25% QQQM + 50% VT
If it makes you feel any better if you invested that money into VOO/S&P 10 years ago, you would have about $430,000
VOO and VFV that's only the US market. This can be a good strategy long term but OP may want to consider something that covers the whole world like VT or VEQT (or XEQT etc)
Please read up on what Warren buffet said that is a sue loser. He proved why investing all your money in voo a low cost index fund is guaranteed to make more money than 99 percent of the worlds top hedge funds and look at the returns it’s true. He said only invest in individual stocks if you are someone like him who studies their business plans every day he reads 100s of pages but even then when he dies his will is leaving all his money to VOO
Open a Fidelity account. Link your bank. Setup a weekly buy of VOO, whatever you can afford. I started with 50/week a long time ago. Never rely on self discipline, set to auto. Always have an auto. Work to increase that auto. Sell ONLY when you have something urgent to pay for. That’s it. That’s all anyone truly needs to know. You will learn as you go. You will learn about Roth. You might even choose individual companies you like. Just remember to always have an auto. Sell only when urgent expense to pay for. That’s it. Best of luck!!
To keep it simple (no need to do anything more): If you are in the US, open a Robinhood account and buy VOO. If you are in Canada, open a Weathsimple account and buy VFV.
Some idiot assigned me on my covered call on $62k of VOO at 627.50. Its my Roth so im not paying taxes on it and i can just buy it back for cheaper this morning.
Open a Fidelity account. Link your bank. Setup a weekly buy of VOO or QQQM. As much as you can afford while still having an emergency fund. Never rely on self discipline, set to auto. Sell ONLY when you have something urgent to pay for. That’s it. That’s all investing and personal finance is. You will learn more sophisticated and optimal stuff. Roth. Max 401k, maybe some individual stocks. But always have a weekly. Sell only when you have an urgent bill to pay for. Do this all your life. After a few years you will see money is easy. You have to live through some down markets to truly get it. Never remove your weekly. I started with 50/week, now I do more than my monthly bills (I’m lucky to live a cheap life). Most will mess up the keep the weekly going during bad times, or they will panic sell (selling without having an urgent bill to pay for). Best of luck!!
Historically 10 and 15 year returns in the US market have been dismal when starting with CAPE over 30 — it is currently 40. Along that line, the major brokerage firms have been warning that US valuations are high and recommending a larger international allocation. So your plan is in line with the thoughts of people who do this for a living. It won’t be in line with this sub, which is a meeting place for *The Church of VOO and Chill*” It took QQQ **16 years** to recover from the last tech bubble.
The fact that you posted this on r/stocks instead of one of the degenerate gambling houses means your gut is telling you to put it into VOO
Go read /r/bogleheads. You can pretty much ignore anything else on reddit. You even have to ignore some stuff on /r/bogleheads when the market isnt doing well. The bogleheads.org forum is probably slightly more reliable. But the subreddit is great by reddit standards. If by indicators you mean technicals that shit isn't real. It's astrology for finance bros. The core of your portfolio absolutely must be ETFs like VOO. It is the only reasonable strategy. If you're worried about current prices that's fine because you should also be buying international funds like VXUS which are not insanely valued. And you can even get some stuff like US small caps which are also not insanely valued. Read /r/bogleheads. Read the faqs. Read one of John Bogle's books if you want. Also check out Rational Reminder if you like podcasts or youtube videos.
You’re actually in a good spot: big HYSA, lot of Vanguard, no obvious disasters. Main issue is you bought US large-cap like 5 different ways + a chunky NVDA/AMD tilt. I’d separate things: – “House in a few years” → keep boring (cash/CDs/short-term bonds). – “Retirement” → 1–2 broad funds (target date **or** VTSAX/VOO + some intl), not 6 overlapping ones. – Stocks like NVDA/AMD as a small side bet if you enjoy it. You don’t need a genius strategy here, just simplify and match each bucket to its time horizon.
You’re not doing anything wrong here. At your age it’s completely normal to be heavy in tech because that’s where the growth is and you’ve got decades ahead of you. The real danger isn’t being tech heavy, it’s being tech heavy without understanding why. If you want to diversify a bit, you don’t need to overcomplicate it. A simple global index or even keeping your VOO allocation a little higher already spreads your risk across everything without forcing you to research defence, energy, industrials and all that stuff. Healthcare is fine but you don’t need to chase it at all time highs. You’re young. You’ve got time. A steady backbone like VOO or VT and then whatever tech you actually believe in is more than enough. Most people your age try to pick ten different sectors because they think it makes them smarter. What actually matters is consistency, not holding every industry under the sun. You’re already doing better than 99 percent of people your age just by thinking about allocation. Well done !
You know if SPY ends up down 1% today, that’s okay. It was up like 3% last week. What’s not okay, is the stocks I’m in (NVDA and NVDA proximity) not pump with the broader market last week, but the second the broader market is red, they all dump 5-6%. I’m about to buy VOO and head to r/investing, this some bullshit.
Since you are young, you can spread the cash into VOO,QQQ and SMH equal parts and every month DCA in the same ratio.
I feel the US political system is less stable than I would like and US debt is getting out of hand. As such I moved an additional 5% of my portfolio from VOO to VXUS as a small move away from US equity.
True,Crypto is pure gambling. OP must understand and go for Index ETFs like VOO, QQQ, SMH or combination of these etfs.
Guys so if we all just buy VOO, instead of 0DTE’s, we can prop up the market 🤓. Then SPY will be 850 by Jan 1
I would max out your 401(k) and HSA contribution and invest in low cost funds (such is VOO and or similar instruments) given your age. I would also increase the amount in your HYSA. Stuff happens like an auto accident and you may need to the get a new car (that can drain your HYSA fast). If you have any debt or carry credit card balances month to month, I would not do that and pay those things off. But overall you are doing ok.
I’m not sure. Over the last 5 years, there is a 60-70ish% underperformance of IXUS compared to VOO. Over 10 years there is a 200% difference in cumulative returns between IXUS and VOO. It’s a huge difference. From a psychological perspective when things were shitting the bed in march/april, it was nice to have one part of the portfolio net even YTD or slightly up compared to the US market. It’s also hard to pinpoint the exact moment of regime change. I do see several compelling arguments for holding ex US assets (US AI bubble, US tariff, labor, fiscal, and monetary policy, cheaper valuations elsewhere, etc).
Yea they're both so low it's nearly indistinguishable, but money is money. Hold VOO
So-so correlated with an even weaker causation. Look at how many tips you see on "VOO and chill" - a lot of people are doing that, regardless of earnings. Money is there, it has to go somewhere, SP500 has a great track long term record, so it must continue. Earnings yield of VOO is right now significantly below treasuries, risk far higher, and people still buy equities. Then there are outliers like TSLA and memestocks, which are not touched by earnings. I am not saying VOO is as bad as gold/bitcoin, riding purely on self-reinforcing momentum -- but earning independant demand is definitely a factor.
I hit 7 figures in personal account this year. Do I “go big or go home” and try for the 3-5x from here, or play it safe VOO /r/investing style so I can help my kids with home down payments in 20 years
Given the delayed employment and jobs reports this month, isn't the game plan to go puts for most stocks? Seems like the logical play. Of course, quarter point interest rate reduction might ease the pain. But seems puts should run over the next 2-3 weeks. SPY, VOO... thoughts?
Your son a gey ber? Buy VOO for 20 year and forget
You can have more than one account for different goals. Who’s to say he doesn’t have a million sitting in VOO , GLD and Bonds . Not everything is done one way
Sell all of this crap and put it in VOO, and then stick VOO in an IRA.
That's what I do now. 100% in mutual funds and low-risk investments like VOO and real estate. I'm trying to increase my return by a lot which would add some risk. Crypto is risky but it has had huge returns in the past, so I might put 15% into crypto which might protect against if the dollar keeps over-inflating over the next 10 years. I have enough saved up right now where losing $80,000 in crypto won't be the worst but could make $300,000 in 5 years. But yeah, ignoring crypto isn't the worst idea.
yes, he would have been better off in VOO over all the years. but, how much does he have in CD's still matters. OP doesn't know so it's hard to say if the situation is completely dire.
The easiest to go is choose ETFs, VOO, QQQ, SMH and some bonds (TLT side), may be 25% each. I do not prefer crypto side, ignoring it.
Set up whatever is within your means / budget and pick an ETF like VOO or SPY that tracks the S&P. I personally like OEF which cycles the top 100 companies of the S&P 500 and I just buy it every week. Doesn’t matter if it’s $100 or $1000, just be consistent and don’t sell if you don’t need the money.
Try to convince your parents to at least let you invest in passive ETFs like VOO, QQQ, and VTI. This should be more than enough at your age. If they still don't allow, then save up as much as you can till you are 18. Great work so far!
Tell your parents you're only going to invest in broad market ETFs like QQQM, SCHD, and VOO. See if that will convince them.
If you really want to, put money aside until you are 18 then throw it all in an index fund. VOO and chill
Whatever you need cash, that alone sell. Whatever you plan to move to VOO, do not sell as selling forces you to pay tax unless you have some tax exemption limit. Paying tax is loss of your money for just moving from SPY to VOO, you are not going gain much, but potential tax loss is there.
So I was laid off over 7 months ago. I think it would be great time to sell as I have no income most of the year. Planning to sell SPY, keep some for emergency, some for buy VOO.
IRA maxed out annually in VOO for 15 years will get $200,000+
If this is in your taxable account, don’t sell. Just ride it out. I’ve got both FXAIX and VOO in mine because I couldn’t figure out at first if I wanted to go the mutual fund route or ETFs - ended up going the SCHG route but I don’t want any capital gains (however small at this time) on sales just so I can redistribute into the same kind of investment. Just moving forward put your money into your fund of choice and, maybe in a year or two, rebalance with the old stuff into the new.
Buy S&P500 index funds like VOO or SPY.
Thank you, I have some funds in VOO as well
Rebalancing between SPY and VOO is a great way to optimize costs and manage risk. You can decide the allocation based on expense ratios, fund structure, and your own investment preferences. For example, if you prefer a low-cost strategy, you might allocate more funds to VOO. A 50/50 split is a simple and effective choice that also helps diversify risk
Like 70% VOO and 30% VTI and chill man 😎
If you have 100k at 18 years old, if you invest it in the sp500 or VOO and reinvest dividends and don’t touch it until you are 65 it will be worth 2-3 million. If you wanna be an idiotic kid who can’t afford the bmw maintenance or the insurance (you’re an 18 year old male, that’ll be $$$$) then go ahead. Buy a new m2 that’ll depreciate in value the second you roll off the lot while not being able to afford the insurance and maintenance
Your idea is insane if these etfs are in a taxable account because you'll pay taxes for no reason. Otherwise in a tax deferred account it is just fair to middling as you'll pay less fees in VOO but since there is no difference you aren't really simplifying anything. Sounds like you have too much time on your hands.
And you know she doesn’t already have this emergency fund how? You’ve obviously never talked to someone who is 77 and still working. So your answer is invest nothing. Got it. Perhaps you should go to the r/notinvesting sub?? I’m making assumptions about her, sure, but they are from years of talking to these folks. The OP is not very knowledgeable. He speaks as if Roth is inherently a risky account type. This is all a mental exercise, if the actual 77 year old doesn’t seek help it doesn’t matter. Read what OP says. She does not spend. Money not spent should be invested. I don’t care if you’re 85. Set your beneficiaries, move on with your day. If she needs assisted living, and needs state assistance, they will make her burn through the accounts, whether they are VOO or HYSA. You don’t know what you’re talking about. Best of luck to you all.