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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
No shame in it. As long as you learned your lesson. Anything on this sub should only be applied to someones "fun" account. Life savings go in HYSA, VOO-VTI, and a bond ETF.
I sold some of my stragglers for a loss, to offset some of my gains. And sold most of my consumer retail. Which I’ve been holding for 5+ years so it was still a pretty solid profit. But I didn’t like the short term outlook if there is excessive inflation from rising fuel costs. And then I put all of the proceeds of that into more tech stock (somewhat counterintuitive because it will be massively affected by rising fuel costs as well, but this was more of a long-term play) And then I put a bunch of Chevron stock right as a war happened, as well as UAE. As that ETF was on a tear before the war. I’m up about 12 or 13% on Chevron. I’ll probably be selling that pretty soon, and putting it into either VOO or QQQ.
If you cannot time the market, and time in the market is better than timing the market, then why are a bunch of you saying to not go all in and dca into over a few months? Either you don’t time the market and just buy SPY, VOO or QQQ; or you do and then what’s the point of buying now vs spreading over a few months guaranteed to either win or lose out of a crash/recovery. You’re just gambling with fancy acronyms at that point.
Historically BRK.B has outperformed VOO Over the last decade that has been reversed because of tech and AI booms. Aside from AAPL and some GOOG, BRK.B doesn't invest in tech. I doubt that'll change with the new ceo. Tech has decade-long boom and bust cycles. We're in the midst of a tech boom so VOO is outperforming right now. I'm 75% VOO, 25% BRK.B
I havent taken a hard look or run numbers (I wouldnt know how), but while BRK often moves contrary to VOO it's also way down vs VOO over almost any period you look at. If a calculation is being made that includes April of last year (around when WB officially stepped out), that would skew results significantly... it weirdly mirrors the spike in VOO at that same time.
You just traded time for money. You didn't want to see red, so you sold your time (holding the csp longer) to avoid paying for the loss now. People sell their time for money every day, that's fine. The question is whether you believe you are getting appropriate value for the most valuable resource you will ever have. Another perspective of the same point would be to consider "opportunity cost". With the same period of time that you are waiting for the CSP to expire profitably, how much more could you have earned if you invested the same money differently? The baseline comparison would be the S&P average lifetime return rate, aka if you're going to make less than 6% return annualized from this play, it'd be better to take the loss and move that money into VOO.
The best time was yesterday. Next best is today. I would lump sum half and dca the rest at $1000/month into VOO for the rest of the year. Technically it betrays the first part of the post but it smooths out the ride.
🎶If you're friends with VOO Well then, you're friends with me If you're down with V Well then, you're down with me Friends of V Friends of V We're friends of V Friends🎶
I’d just be buying VOO. I’d put 1/3 in now, another 1/3 in ~2 months and the last 1/3 when the Iran conflict has a clear end goal. P/E of the s&p is pretty low. When oil prices come down and the feds lower interest rates the market is going to pop. Don’t try to time it though.
it ain't no thang for us VOO-believers
VOO crowd on Reddit is at 48% bullish right now, SPY crowd is 36% bearish - same underlying, totally different sentiment depending on which ticker you track. The VOO faithful are still buying every dip regardless of price.
Yea, VOO, and VT. $1000/every week not all at once.
if this is truly loose money and your core stuff is already covered, this actually looks pretty reasonable, but i wouldn’t think of it as is now the right time so much as am i okay holding these for years even if they drop short term those names are solid but also pretty correlated mostly big tech + one bank, so you’re basically betting on the same general theme continuing, which is fine, just be aware of it personally i’d probably lean heavier on something like VOO for stability, then layer into individual names over time instead of going all in at once, just to avoid timing stress if you can stomach seeing that 18k swing around without panicking, you’re in a good spot to start
The logic works on a 1-year snapshot but breaks over any meaningful time horizon. Someone who bought VOO at the 2022 peak and was "down 20%" is now up 30%+ from that same entry. Inflation compounds quietly every single year, market drawdowns recover. The people who sat in CDs "waiting for a better entry" in 2022 are still earning 4% while VOO holders are up 50%+ from the bottom.
I'm approaching mid 20s with a long time horizon (30-40 years), trying to get more involved in the mkt, and I sure picked an interesting time to do so. Ever since the Iran fiasco kicked off i've been buying my way down on VOO like a dumb dumb. When there is a new low I scoop a little bit up, thinking that it can't go lower. But it does, and I keep repeating this cycle; the market is timing me. Planning on holding until I "retire." I know enough not to panic sell so that's a plus I suppose. I hear about DCA, but I think I'm doing it wrong lmfao. Not stressing, I got a lot of life ahead of me, I just want to learn from this experience to better navigate future bear markets to come. Still got a decent chunk of money to invest, should I continue, but slow down, dripping my money in as the mkt continues to go lower and lower? I presume this is better in the long run than just a poorly timed lump sum? Please bestow any investing wisdom/ life experience upon me, I strive to get better at this. Also Robinhood needs to remove the 2026 Iran update on this silly chart game, it's too sweaty rn. /serious
Shorts can get obliterated especially in a bear market. I'm trying to stay alive in a dark time and average down my VOO, not play the lottery.
Sure, throwing money at wildly overvalued stocks just because you are scared of losing 4% to inflation is a terrible strategy. In the short term (1 to 3 years), Volatility Risk absolutely dwarfs Purchasing Power risk. Losing 4% of your purchasing power to inflation sucks but losing 20% of your principal in VOO is worse. If you need your money back in the next few years investing it in the stock market to beat inflation is not the smartest choice. This is known But inflation becomes very real when you stretch the timeline to 10, 20, or 30 years. If you bought VOO at a market peak, you might be down 20% the next year but over a 20-year period the stock market has a 100% track record of recovering and making new highs. Inflation, on the other hand, never recovers. A 20% drop in VOO is temporary. A 20% drop in the purchasing power of the Dollar is permanent. Over a 30-year working career average inflation will cut the value of cash in half (or worse). Over that same 30 years an index fund like VOO will historicaly grow your money by 7% to 10% after adjusting for inflation.
when i decided to quit fucking around with bonds and playing with individual stocks, i put about 300k directly into VOO (or VTI and VOO, I forget), and the market immediately tanked. I was down for like 6 months. Didn't feel good, but they're right about it being a tiny blip. With DCA and time, I can't even see it on the chart now.
If I were only going to go VOO or cash, was cash a better position in 2000/2008/2022?
I've come to pretty much the same conclusion but I guess have been too naive to execute properly. I'm holding my stuff for now because I hate taking a loss but once it's back up I'm going all in on VTI/VOO and not looking back. I don't wanna lose all that hard work you know. Thanks for sharing that
Contributing since around 2008. Initially I did the minimum, just the 3% company match. Later I changed it to 7%. And the last few years I was maxing out the contribution (~21-23k). As they say, the first 100k is hard. The second is easy. Once you hit 1M, it grows on its own. Only thing I'd do differently if I could do it over, is not worry about stock market crashes, not put anything into bonds. I would recommend 100% into VOO and forget it. I am basically doing that now. I also had a lot of time spend studying patterns, writing trading algos, trading futures and options. I never had any concrete success, and had a few days with /ES where I would be down 50-70k in one or two days. It's too stressful, and I never enjoyed it.
bought 1 VOO at $630 sold it at $610 bought 2 VTIs with the same amount of money 2 > 1 I win, you lose. Your godlord Warren Buffet is down 7% while I'm up 100% (from 1 to 2 = 100%)
The honest answer is that the fastest way to grow wealth through investing and the most reliable way are almost never the same thing. The BTC example works perfectly in hindsight but timing a bear market entry and bull market exit consistently over multiple cycles is something almost nobody actually pulls off. Most people who try end up buying high and panic selling low. The ProShares Ultra Semiconductors ETF is a leveraged ETF it uses borrowed money to amplify returns. That 53% annual return also comes with devastating losses in down years. These products are designed for short term trading, not long term holding. Many investors have been wiped out holding leveraged ETFs through a downturn. The boring answer is usually the right one broad index funds like VOO or VTI have returned roughly 10-12% annually over decades, are tax efficient, require no timing, and let you sleep at night. The fastest way to grow wealth is actually pretty simple: high savings rate, consistent investing, long time horizon, and not doing anything stupid in a downturn. Unsexy but it works every time.
Buy 3k VOO at the start of each month over the next 6 months
Anytime you’re not buying at ATH is a good opportunity. That being said, I see VOO going down about 20-50% easily. Screencap this.
Half of all your holdings should always in an index fund like VOO, VTI, SPY, or QQQ.
I would invest half now and DCA the rest over the next few months. I would go VOO, VGT, IDVO, IAU with a break down of 40%, 30%, 20%, and 10%. Give you decent coverage of the markets. The single stocks you want to buy are already large portion of VOO and VGT
>Not doing vti or spy because that is very long term and will likely be down this year This type of logic is why most individual investors lose to the market index. If the market continues to dip, and dip and dip; and you keep accumulating along the way, your cost basis goes down and your profit margin goes up, on an asset that historically goes up. It's like saying, hey I'm gladly keep buying VOO at $630 because it's doing great! But oh no, I won't buy it at $580 because it's doing "bad". I said the same thing back in April 2025; same concept but with different numbers of course.
Keep buying, but be smart about what you’re buying. High risk startups that still lose money every quarter probably aren’t a great choice at the moment. Given that the Mag 7 have taken larger hits than the rest of the sp500, VOO or similar is probably a fairly safe bet long term.
Don’t buy individual company stock. It closer to gamble than investing. Always only buy ETFs as it gives better protections. Go VOO or VT.
As a beginner my advice: Allocate most to VOO or something similar. 80-90%. The rest allocate into individual stocks. You will learn more about investing holding individual stocks, but you should realize in the long term whatever you pick is unlikely to outperform VOO.
Dont buy single stocks but deff get some while they are down. Ide split between VOO and RSP, or just RSP.
Yes. I know people have said VOO which I agree with. Would also consider VGT tech has sold off heavily and valuations are low. Dollar cost average
I hold both with slightly more towards VOO.
VOO and QQQ have a considerable amount of overlap of 50%. If you are looking for a more growth/tech version of the S&P 500 vanguard has VOOG. https://www.etfrc.com/funds/overlap.php
This is a very volatile moment to enter the stock market. You should “dollar cost average”. Buy $1000/week of VOO (which is the S&P 500 index fund with lower fees). The market is down about 10% from the highs so that’s a good entry. It could go down another 10% or come back. Impossible to know. So just start buying a little bit at a time and in ten years you’ll be up. Good luck!
If you invested 20k into your 401k into the S&P500 through the absolute worst of the lost decade, all the way through to 2020, you'd have invested 420,000 and ended up in $1,430,276. Even if you only had a shorter 11 year timeline through just the lost decade, 2000>2010, investing 20k a year, you would end up with a return of $45,279, final portfolio at $265,279. Even in the absolute worst stock market returns we've seen (barring great depression), you still get a return that matches inflation and that's if you're only accumulating through it and have a short timeframe. VTI/VOO and Chill.
Non Sequitur, I’m confused because we’re in a post about insider trading, I mention AOC never trading or owning a stock in congress, (which you ignored) and now you’re rambling on about politicians being influenced by steak and health insurance and 401ks. I am perfectly able to comprehend what you are saying. It just has no relation to what I’m talking about whatsoever. And you for some reason aren’t able to process the fact that AOC doesn’t hold a stock or index fund or any sort of equity that would give her an advantage given the sensitive information she gets as a public servant. You were attacking her because she owns VOO and index funds (which she doesn’t) and now health insurance. Whats next? Politicians shouldn’t be paid money because 4% are unemployed? Address my point about insider trading or just leave and talk about health insurance somewhere else because nobody even brought it up
For growth stocks across all sectors though they’re down 30-60%. For people not solely in VOO and NVDA and WalMart it’s pretty ugly
Why not just put it all into VOO, sit back, don't look at it again for 5 years and reap the rewards?
VOO only needs inflation to move up, not the economy to expand in real terms.
Stop panicking and buy the dip, VOO or similar. The world is not going to end and Iran should have been handled years ago. Matter of fact, Iran with a nuke has a better chance of ending the world than what's finally being done now. Good grief, stop watching the MSM and just buy more or do nothing. The sky is not falling.
I bought some VOO and QQQ
Long term you will get great gains off AMD. VOO is always a great one to buy consistently. Right now is the best time to get in with the prices getting thrashed you're getting stocks at a hefty discount while many of us are bringing our DCA down.
There is a fair amount of overlap between the two and mostly because they are both market cap weighted indexes. And since many are the largest companies are technology companies the over lap is usually at least 40%, although it does fluctuate. Unless you are more bullish on technology than the rest of the market I personally believe you don’t need both. I would lean towards owning VOO because it’s much broader and therefore less volatile. The best way to balance growth and stability is to have an international fund in your portfolio and a bond fund. But do keep in mind that a bond fund provides much more stability than an international fund. So more bond fund exposure equates to more balance and less risk. I would basically use age and risk tolerance as two key factors to determine how much balance you need in your portfolio.
It shpuld be mostly VOO with a choice of 2 of those. Personally Im for Nvidia and google
DCA in to shares of VOO/VTI & never check your portfolio till you’re retired. /s
I'm pretty sure the top recommended is VOO
As long as you mean VOO, then yes I'm down with that - but 20 years + plus prolly better
Going on date #7 with a cute Latina tomorrow. Has been going really well boys. My stock portfolio, however, has not. I’m just in VOO and I’m down 30k this month thanks to dear leader 😔 What we thinking about buying for the turn around for max gains?
I would recommend $2k SCHD, $2k VOO, $2K SPMO next week then the same every 2 weeks to average down if market falls.
Here’s what I did last summer. I sold a good sum of stocks last August for a down payment on a home and sold the rest of my stocks(mostly tech) and bought all VOO to hedge my bets since I believe AI to be majorly overhyped. I got absolutely roasted on my taxes from capital gains but I feel pretty good about my decision now. I wouldn’t lost my gains/down payment by now. It’s all in terms of your personal situation
20% and you're worried? If you did your research why are you worried? You need to put your money in VOO and chill, equities aren't for you
Plenty of time to VOO and chill when I’m dead.
A pretty safe bet would be to dollar cost average all of these positions, putting about 80% in VOO and the rest in individuals. You might take 25% away from VOO and find a solid mid risk mutual fund you like, if you’re willing to be a little more risky.
You don't sound very patient at all, the S&P500 is down 7% ytd and up 12% over the last year. What exactly are you crying about? Are you invested in equities? If so they are not for you, VOO and chill is your game plan your not cut out for equities.
If you're new to investing, and are getting emotional with a little downturn, you shouldn't be in individual stocks. Candidly, build up a portfolio of VOO until you hit a total portfolio balance of like $150,000, then start an individual stock journey. You need to get used to risk.
VOO seems very risky. This big tech companies are getting hammered.
Market up? Buy Market down? Believe it or not, buy This message brought you by the bogleheads gang. VOO is my vote.
I sold half my VOO and put most of it into oil stocks the day the Iran conflict starts. Added more oil last Monday after the “peace talk” announcement. I’m up since the conflict started. $VG, $COP, and $CVX
Proportionally VOO is essentially a mag 7 index, lol.
I like DRIP on -- my broker doesn't do fractional shares so I find it advantageous, particularly for things with high share prices such as VOO
Anyone who can't figure out what's going on right now should just VOO and chill, and never attempt to actively trade again.
That’s what I should have done, now I’m in a position that I have it all invested, but as I get paid I been buying down Meta and Microsoft positions, down 7% overall because I had lumped into VOO before the war, but I think some of my individual entries MSFT at 390 and Meta at 593 are still good prices / long term even by end of year, just pissed I didn’t wait for this Friday where I coulda bought my prices down even more
Yeah exactly he wouldn’t be questioning the thesis if he just invested in VOO and QQQM. He just buy more and not worry about a thing
My plan is to DCA into SPY/VOO/QQQ while also building a small cash reserve(which I always do). Then eventually I’ll hit up regular stocks and leveraged ETFs if the slaughter is great enough.
Exactly. I got some GOOGL and MSFT. I knew that they are solid companies, but I still hesitate to DAC into these. And thus I only DCA into the broad market ETFs. I don't know too much about the stocks that OP own, but DCA into them can be much riskier than DCA into QQQ / VOO.
I’m about in your position age wise and financially. I did mostly VOO and BRK-B for the longest time, held through Covid and did very well since then. Trump has thrown me off because populism usually comes with some kind of inflation. I had gone more GNR, SCHY, SCHD. Resources and dividends. I’m currently leaving index funds after reading about the “inelastic market hypothesis” — passive flows inflate active choices — it explains a lot of how we have $4t companies with pretty high P/E ratios. I think AI is cool, but overblown in the investment world. I’m focused more now on Berkshire / Fairfax (people who know how to take advantage of a crisis) and then companies with good free cash flow yield. If you want to be active, read Benjamin Graham. If you want to be passive and preserve capital, maybe 20% in bonds and 80% in a mix of BRK-b and schd. The straits of Hormuz is going to screw this economy badly, even if somehow their opened tomorrow (which I highly doubt)
Nah, you have to level up your playbook and way of thinking. I used to be a VOO and chill guy, and that gets you nowhere while everyone at the top manipulates and steals your money. If you can’t beat em..
I’ve done a bit of both in small amounts. Friday: VOO, MSFT, NVDA, AMZN, REMX, SOFI. Basically as a hedge against my belief that this has a ways to go. For the most part I’m holding on to my cash aside what is now moved into oil and oil calls.
Great position to be thinking about this at 22 — seriously. A few practical things that will serve you well whether you end up doing index funds, individual stocks, or a combo: 1. **If picking individual stocks, understand the moat first** — What keeps competitors from eating the company's lunch? (Brand, switching costs, network effects, patents.) If you can't answer this clearly, you don't understand the business well enough to own it. 2. **Balance sheet matters more than the stock price** — Debt-to-equity and current ratio. A great business with too much debt can still blow up in a downturn. Current ratio > 1.5 is a decent baseline. 3. **Don't ignore valuation** — The Graham Number (√(22.5 × EPS × BVPS)) is an old but useful sanity check. It filters out obviously overpriced stuff fast. 4. **Have an exit plan before you buy** — What would make you sell? Write it down. Removes emotion from the decision when prices move. For most 22-year-olds: maxing Roth IRA into VOO or VTI every year until you build up investing knowledge is the highest-expected-value move. Tax-free compound growth over 40 years is the real edge. I put together a free stock screener checklist if you want a framework for evaluating individual stocks — link is in my profile. Good luck!
if you own VOO, you're trading basically mag7, and you're not trading main street. the mom and pops of the nation. the contractors with their own business. the babysitters and tutors and self-employed gig workers. and you know when your money is going into them unless you're trading totally blind through an advisor who doesn't know you and you don't know who that advisor is or where he is or what he's doing. if you have a pension, you might know what it is mostly consisting of. the only way you can do it legitimately is all your money is cash. no stocks, no pension. no healthcare unless it is the same one that everyone universally gets for free. That's a small sacrifice. you're still in congress so most likely still richer than 99% of the entire world. or maybe even 99.99% of the world. and richer than almost everyone in the USA. And then take the oath to never trade again for the rest of your life. because, even after you leave congress, you wield tremendous power and influence and have more knowledge of confidential information compared to the rest of the population. It sounds ridiculous? Yet: Many americans would gladly make that sacrifice to serve the nation. so no, that's not like part of her whole thing. It never was.
VOO is S&P500 VTI is total US stock market, so VTI is mostly VOO with some extra stock. VXUS is non-US stock. VT is a mix of VTI and VXUS.
Yup don’t bother timing anything. The only timing I recommend is DCA into a dip. VOO is a “bargain” right now ha! Even if it goes down more it’s still decent value. And if it stays down for 13 months (avg recession length) this buying early in the dip doesn’t change much anyway. I am a very boring investor. But I focus on real estate investing.
Bought some VFV at the close, Canadian version of VOO
The big tech stocks make up a large percentage of VOO - like \~35%. So I put most of my money in VOO, which is more diversified, but I have made some small individual bets on MSFT and AMZN to outperform. I don't expect them to outperform by a huge margin, necessarily.
Little VOO but watched it dropped 8 dollars per stock.
I bought XLK, SCHG, QQQ and VOO in different accounts. Also sold NVDA and META long-dated puts for nice premium and bought a META Dec 2028 LEAP call at $400 strike price. Meta at 16x forward earnings is a good buy, even with the recent legal setbacks.
Holding ya VOO, and not even thinking of sel.... (I can't even say the word) in days like these, is what makes generational wealth
This is literally the only advice you need. Step 1: Read or listen to The Richest Man in Babylon. It's free on YouTube and very short. Step 2: Invest 10% at minimum in VOO or similar. Do it on auto invest. Try to max out an IRA, if possible. That is literally it. Keep that as a base with some emergency savings in a money market account getting interest. Anything extra you can buy individual stocks or just spend. Doing this you will retire with millions.
Still bad advice. At 18, making $800 a Month, put $100 at least into an sp500 fund like VOO. once you get experience and learn the market you can get into individual stocks if it interests you. At 18 I did not have the interest or the mental maturity to handle the volatility that individual stocks bring. I’ll let someone else suggest platforms to use.
So the top holdings in VOO are The top holdings in VOO are NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Meta Why would you buy MSFT, GOOG, and AMZN and buy VOO which own them too ?
I bought some QQQM and a little VOO
Yes, start now. At 18 with even $50/month into an S&P 500 index fund, you'll have more at 40 than most people who started at 30 with triple your income. Time is the one advantage you have that money can't buy. If I were you, I wouldn’t pick individual stocks, buy SPY, IVV or VOO, set up auto-deposit, and forget about it. The app matters way less than the habit.
Hey — looking for some advice here I’m 28 and recently came into about 220k (inheritance). I wasn’t really expecting it so I’m kind of figuring things out as I go. Right now it’s just sitting in a money market getting around 3-4%. I’ve been thinking about putting some of it into the S&P (like VOO or FXAIX), especially since the market seems to be down a bit lately. But I also keep seeing people say don’t try to time it, so I’m not sure if I should just put a chunk in now or spread it out. Also part of me is thinking about real estate sometime in the next year (maybe a fixer or something), so I feel like I shouldn’t invest all of it either. I guess I’m just trying to avoid doing something dumb with it. If you were in this spot, how would you approach it?
This is why DCA (Dollar-cost-average, i.e. consistent investment) in diversified assets exists. It flattens volatility over long-term investment horizons. So yeah, you will thank yourself in 10 years and feel like a genius in 20 if you start putting a % of your paycheck into indices at 18. Key there is diversified. VT is global, would, but VOO/VXUS/Bonds (70/20/10) might make sense for you right now. Go check out r/Bogleheads maybe. It's a conservative investment style, but seems like it would suit you at this point in your life.
Isn't VTI a mix of VOO and VXUS
I bought some PAVE, GRID, ICLN, SHLD, ITA, CHAT, CIBR, VOO VXUS, EMET and XME. I think that most of these (besides VXUS and VOO for portfolio stability and diversification) ETFs are in the fields that will see large growth in next 5 year window (and probably beyond). Also bought (and sold lol) VCX. It’s a private equity fund that has some interesting private holdings but took profits at $510, 1800% run up in a week is nuts.
With a little sprinkle of VOO on the side.
Somehow my IRA gambly portfolio is still beating by 401k VOO/VXUS (basically) portfolio
Nope, I kept my cash position. It’s not quite ready yet. Tomorrow morning, though I think I’m gonna crunch some numbers and put it some limit buys. Probably just boring stuff like VOO and SPYI.
VOO, SSO, & a little UPRO. scale larger buys the more the market drawsdown
In theory this seems amazing, you just made 2.2k on a 0DTE play. but this is probably the worst thing that could've happened to you, winning big for your first options play is going to make you chase highs, your never going to settle for a couple hundred dollars in gains every week or two, your going to chase +$1,000 dollar wins because it seems "easy" now. I'm not hating btw, i'm genuinely happy that you have the chance to invest that money into something good like SCHD, VOO, etc. but just be careful OP.
I should add, I only gamble with under 10% of my portfolio. As they say, don’t gamble what you cannot afford to lose. Everything else is boring VOO and QQQ DCA