Reddit Posts
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
When I put $5 on a stock I win , put $50 in I lose almost every time.
Revenge traded a NFLX loss into a $700,000 MSFT profit 💰
I wish I never invested into LUNR and NASA. been waiting for a few weeks to sell, but ofcouse dip keeps dipping....
Best Way to Diversify Brokerage vs Roth IRA?
Selling $DRAM (up 13% today), evaluating alternatives.
Chasing the memory stock rally ruined my portfolio. Now I don’t know if my new portfolio will save me or make things worse
22, Nervous about Risks / ETF vs Individual Stocks
I backtested 44 Robinhood IPO Access deals. Why buying and holding is a trap and the hypothetical strategy that beat VOO
Top ways to invest in innovative companies through ETFs? High risk appetite
going all in on “small satellites”
Uncertainty with my portfolio, should I reallocate, trim, hold?
38M Canadian with Defined Benefit Pension: Looking for Honest Criticism of My LongTerm Investment Plan
Trying to ACTUALLY understand what is happening with memory stocks; not asking for predictions
Are there stocks with 6%+ dividends that still keep pace on IRR overall with equity ETFs (12%+)?
Thoughts on auto-callable basket type instruments with downside protection?
19-year-old college student looking to invest for the long term. What would you buy in 2026?
21, recently married. Any advice for a new-ish investor like myself?
Build an ETF portfolio that could survive a crash
What do you tell people that are too scared to move out of cash?
Mentions
In reference to GPUS, (datavault), you probably seen some posts about insiders bought recently, ignore it unless you want to be exit liquidity (it will get diluted) - They do not make any **G**raphics **P**rocessing **U**nits, (the dedicated component responsible for computer graphics, etc) - it's dog shit - It's not the next Nvidia, AMD, Intel (yes Intel used to make dedicated, non-integrated Graphic Cards.) - it's not a hold stock (it's not VT, VOO, VTI, etc, etc)
>But if stock prices are either flat or trending flat, you would need to reduce your holdings to unlock something. this scenario that you highlight isn't a "gotcha" that you think it is because it (a prolonged bear market) would be no different for a dividend paying company. if a dividend paying company's stock price came under pressure for a long time, then the board will likely cut or even suspend the dividend. what then? what you have to mentally come to terms with is the fact that total return = CAGR + dividend yield. that's really all there's to it. just compare, e.g., QQQ's or VOO's total returns versus SCHD or DGRO or whatever dividend paying/focused ETF that you prefer. dividend payers are never going to outperform, especially if you take into account tax drag. that's literally why they're declaring dividends in the first place -- because the board doesn't think they can put the excess company earnings to good enough use to outpace the broader market.
That the Bitcoin relies on the greater fool theory to maintain its price? Yes, its price is driven by supply and demand. But if you think about it, the entire forex market and any fiat currency is a greater fool. It could be argued fiat currencies are backed by militaries or whatever. But at the end of the day you're trusting the system (your government) to not screw you over. And as long as there's distrust in that system there will be demand for Bitcoin. And in the future, there will probably be a lot more dollars in circulation than today, making people want a scarce currency even more. Demand will increase, price goes up waaaay past its "intrinsic value." shrimple, just like the VOO ponzi.
A share of VOO costs the same in Athens as in Austin, but it takes a far bigger chunk of a Southern European paycheck to buy it. US personal finance benchmarks assume a wage floor that simply doesn't exist here, so the compounding gap widens every year regardless of savings rate.
atp I really might just VOO and chill. might give up on this shit. lost so much money
Just bought in $200k in VOO and starting to freak out with September vibes, upcoming election and every damn person in the media saying US Market is going to crash. Thinking of pulling it back into short U.S. treasury to net 4% for the next 2 months till we figure out what may happen soon. Thoughts?
Yes, Bitcoin is a scam. We all should be investing in VOO instead. Don't worry about the price. Don't worry about pe ratio. Just buy. Just chill. Someone will always be there to buy it from you for more than you paid
That would be better compared to SOXX vs VOO long term
I put a lot into PLTR when it was like $8 and held until the point that it became like 95%+ of my portfolio. I sold 20% of my holdings at $103 and another 20% at $130 because I wanted to de risk and I put almost all of that in VOO. I intend to sell another 20% once it goes over $200 and hold the rest for the foreseeable future.
**27M Investment Portfolio** **Roth IRA:** 100% VTI **403(b):** 100% VIIIX **457(b):** 100% VIIIX **Brokerage:** 46% VOO / 54% SGOV
VOO and chill is always a good option 👍
Staying in equities and adding a defensive/factor sleeve is a coherent mix as long as you write the weights down. SCHD (or quality/dividend) as a slice of the equity book, not a replacement for the whole VOO pile, is the usual way people do that. Then only rebalance when the sleeve drifts past a band you picked. Not advice, just a process next to the thesis.
Don’t sell your VOO… you just buy more.
if you think JS doesn't trade & arbitrage anthropic shares you need to stick to VOO
Dark pool activity: Sell side 343million block trade on VOO
Problem is inflation - even at that rate, it's not great. Plus the return of capital, hell, you'd probably have made triple plus what you made with 4.7% just doing VOO and chill
I’m 21 and currently in college. A few years ago, I inherited some money from a relative who passed away. I put most of it into CDs, and my total savings/investments are now around $52k. Currently, about 90% of my money is in CDs, which will mature within the next few months. I also have around $5k in checking/savings. My undergraduate expenses are covered by scholarships, and I don’t have much regular income right now. I typically receive around $2k per semester from scholarships after my expenses are covered. I also live with my family and am currently unemployed because I want to focus more of my time on my classes. I am taking all of my classes online which helps me from paying for gas. I feel like having 90% of my money in CDs is probably too conservative given my age and the fact that I don’t expect to need most of this money anytime soon. Once the CDs mature, I’m considering investing around 40–60% of my total money into VOO and keeping the rest relatively safe and liquid. Does that seem reasonable? How would you allocate the $52k in my situation? Is there anything else I should consider before investing a larger portion of it?
>Which stocks will benefit? Stocks? On average: I don't see much relative benefit from betting on any individual stock until the market begins recovery after the election. My cash will be in a 3-4% money market waiting for the dip. Then at the dip it will go into VOO or ITOT instead of individual longs. Because this year algo-driven sector rotation has been heavy despite the low volatility of late, and most individual stocks have underperformed the total market ETFs as a result. And I don't see any reason for this to change yet as long as the current inflation uptrend, hormuz conflict and bond shenanigans continue. >Which stocks will you sell? All of them. Already sold most of my individual stocks. Why? Because I sell high. How did I know? Because almost all of my single security trailing stops have triggered in the last several weeks. Now's a good time to sell while the market is still up, just off the 13-Aug SPY ATH. Every single midterm market in the last 13 midterms has been a down market in the 30-60 days before the election. There's a good article here (caveat: bearish, but also shows the signals for when to buy the dip toward the end of the lengthy article): thierryvonarvy.subs tack. com/p/volatility-season-starts-now-anyway Much of the entire world is dumping bonds and running to save havens while stocks are slightly down off the ATHs, instead of up. Ask yourself (or your favorite chatbot): "Why do I think this is happening? When has it happened before and why?" Sell high, buy low my friends. u/remindme 90 days. We'll see if von Arvy is right and the thirteen-midterm-election-market-trend holds ;-)
It's not redundant. That's silly. Owning one share of NVDA on top of VOO is no more redundant than buying another share of VOO is. \> Curious how you handle What do you mean handle? Don't create pointless issues where there are none. You own a mix of stocks and ETFs that divide your investing into various company percentages. Make those percentages approximately whatever you want them.
Yes they’re redundant, but assuming this isn’t in an IRA you’d owe capital gains tax if you sold, so it’s best to just leave them to go on growing. If you want to diversify, do it in your funds. Reallocate some of your VOO to funds that don’t include the megacaps.
Theoretically yes, but SCHD (Shwab US dividend equity) has grown 26.83% in the last 12 months vs VOO's 19.04% in the same period. It has also deliver almost 4 times the dividend. SCHD's total return over the last 12 months is 29.2% vs VOO's 19.9%. To be clear, this is not normal, I am just pointing out that recently dividend stocks have outperformed the market.
Every time I try to stock-pick and beat the market, I end up underperforming VOO or QQQ. Individual stock picking is a full-time job. Unless you enjoy digging into 10-K filings at 2 AM, just buy the index and go touch grass.
**BanBet Lost** — /u/Specialist-Life2569 (0W - 1L, 0%) | Ticker | Entry → Target | Move | Time | Result | |:---:|:---:|:---:|:---:|:---:| | **VOO** ▲ | $701.69 → $850.00 | +21.1% | 1d | Lost |
so you got 14% while just buying VOO would have got you 25%.
If you didn't trim your positions substantially on this retarded bear rally, just VOO and chill, lil bro, trading ain't for you
VOO is a fund full of stocks that will be crashing- if it happens- the point is to get out of equities beforehand- not into a fund full of them- why do you think the funds would be safe if there is a crash
Ruh roh, Ya know things aren’t goin too well when VOO and XLE are at the top of the sentiment board.
❌ VOO and chill ⭕️ VXX and chill
The stock is almost at the purchase price. I advice you to sell now. If you wanna have a piece of mind buy an index-etf like VOO or so.
Selling everything, cutting my balls off, and putting it all on VOO
Most of my Roth rides on VOO, March was a good time, bought heavy
That should have been late March when VOO was at its lowest in a while
(19yo) hi everyone 😄 70% ETFs 80% VOO 20% VXUS 30% Stocks TSM MU ASTS I know ASTS is very speculative, and I’m willing to take the risk I’m looking to add one more stock, What would you recommend? I’d like something that doesn’t significantly overlap with the S&P 500, is googl ok?
I made a fatal error not listening to the old folks that said to VOO and chill in June.
Imagine you put this into VOO/VT instead of gambling it on marijuana.
To be fair there are hedge funds that are somehow down on the year. I’ve always thought someone should start a hedge fund claiming to outperform 90% of others while just investing everything in VOO.
Moving a big VOO chunk into SCHD because you want a milder drawdown is a defensive/factor tilt, not diversification by itself — SCHD is still US equity. If the goal is "hurt less in a rough SPX drop," people usually size that as a sleeve against a written target weight and only rebalance when it drifts, rather than an all-or-nothing swap. Not advice — just a sanity check on the process next to the thesis.
I have deep capital gains in VOO, VTI and a little VT and will possibly start using some of the money in about 16 months when I plan on retiring. My sentiment is bearish so I constructed an XSP protective collar with 2 contracts expiring in December 2027 and 5 contracts expiring in Dec 2028. No cost collar and it ended up being about 118/90 for the top and bottom collars. Plan to let it ride nearly to expiration or maybe roll the 27’s to 29’s depending on my cash flow situation.
Yea but you're not gonna like this... My excuse is I'm in a custody battle with my ex and need income. I have 2000ish shares each of NIHI SPYI QQQI and IWMI. 500ish of BTCI. I'm holding a couple speculative stocks but only 10k per of those I'll keep in hopes of a big payout in 2030. Those are the only things I kept when I switched to income. Before that I was all VOO and chill. There's been some big changes in my life this year.
I like this chat. I feel like bogleheads would be like: hey chat I DCA’d into VOO and VXUS and BND today
Then take your lumps and buy VOO, ITOT or similar, and let it ride. Might want to wait out the current drawdown and look to Haloween to make your entry.
VOO!. i heard its 10% a year return GUARANTEED! over long term :smoking:
The illuminaughty VOO world order 𓁹 𓁹
🤡🤡🤡🤡🤡 The whole sector is down just relax these are highly volatile stocks if you can’t stomach the drawdowns stick to VOO, I’m down $65,000 but still holding and averaging down. This is market manipulation but if you believe in the company like I do nothing to worry about. Just buy the dip and check back in 5 years time. 🤡🤡🤡🤡🤡
this is the endgame. would do VTI VXUS VOO though
You realize that the stocks / companies that make up VOO is dynamic, do you not?
Listen no one ever talks about dividend stocks. JEPI, SCHD, QYLD, VOO is the way to go.
My Portugal index fund (no AI, just boring dead European economy shit) - +11.27% YTD. VOO/SPY - +11.42% YTD. It is literally possible that Mango has cost us +15% more with directionless fuckery. He could have just sat back and printed money for himself and us.
Preparing to accumulate harder once panic sets in. I have my vertical time spread strategy to reduce cost basis on the few single issues I hold. I'm in the market for VT, VXUS and VOO. Equities may be dead money or even losers for a year or two, but when they rip they rip hard. In an inflationary world the only safe hiding spot is materials (once the economy stops being shaky) and companies with pricing power that increase earnings due to selling in inflated currencies. 5%, after taxes, will not keep up with inflation. Not even factoring in what will happen when currencies are debauched by extreme printing as a soft default on sovereign debt. Debt, especially debt out years or decades is a guaranteed loss just like it was during ZIRP. That's not an investment.
Put it all in VOO... Don't stop until it's 100k in VOO
VOO was supposed to hold me close and say everything was gonna be okay during bad times. stop looking like shit lmao
What's a good reason to keep bagholding VOO + QQQM right now? Any fellow regards?
My advice would be to take $1000, put half of it in VOO, and the other half of it in stocks you've personally researched and believe in. Then spend the next 6 months stressing out about price action and market moves on a daily basis. After that, rebalance the funds from the individual picks to VOO once you realize that it's not worth the time/effort/stress to manage a portfolio like that. I know this sounds like I'm being sarcastic but I'm dead serious. Most experienced investors will tell you to do the boring thing and put your money into a broad market ETF. They're 100% correct, but less experienced traders don't always listen to this advice, so the only real way to learn this lesson is by teaching it to yourself.
Yes, all of the funds you listed are ETFs. The easiest way to summarize the difference is that mutual funds are a direct trade with the fund manager at the end of day price of the fund, while ETFs are traded between individuals at a floating market price. Think of an etf like ‘a stock of many stocks’ and a mutual fund as ‘a guy you’re paying to invest in those stocks that can only take orders when he’s not busy buying or selling those stocks’ Subtle, but significant, difference in market mechanics. VFIAX = VOO in holdings, but not market mechanics.
If VOO only returns 3% over a decade it’s because the businesses it owns are not performing as well. On average only a small portion of companies within it offer the outsized gains and this is very difficult if not impossible to predict. Trying to pick individuals and get it wrong will leave you far worse than if you just bought the index and waited it out. You would also miss reinvesting those dividends and buying more shares at reduced prices before the eventual recovery.
**BanBet Created** ▲ | Ticker | Target | Entry | Move | Expires | |:---:|:---:|:---:|:---:|:---:| | **VOO** | $850.00 (above) | $701.69 | +21.1% | 23h 60m |
Shout out to all of those VOO investors (of which I am not). How are things going over there?
So I’m a little different. Let’s say I have a $3,000,000 acct. One option is to put all into VOO. I’d instead choose to put $1,000,000 into UPRO and get similar returns, I know it’s not exactly the same, but just giving you a simple example, and use the other $2,000,000 for other stuff. First you collect interest on the $2,000,000. Second you can sell almost worthless options and get roughly a 12% return on this. In reality it feels like getting huge dividends every month or like collecting rent income. But with the combination of the two, the monthly returns, help to feed the faster growth. And let’s imagine the market goes down 33%. The guy with 3 mil in VOO is down a million. Me with 1 mil in UPRO am down close to a million but not quite. But I’m still collecting interest and returns on the $2 million That’s relatively safe.
I just dont want to miss another big dip like in April. Have some cash for a dip that I missed in April. May just DCA into VOO and VXUS or something
I have been telling everyone that is willing to listen to NOT buy GOOGL until there is a catalyst with good buying pressure...sure you will "miss" the bottom, but its better to miss the bottom than baghold and continue to bleed money. If you are investing, then just go with VOO. If you are trading and really want to open a GOOGL position, wait for a catalyst that changes current sentiment.
My general “safe” holds have been VOO, VIG, VIGI, and some SCHD. I did semi-recently add some QQQ and am seeing how that does. Then I have 25% of my investment portfolio in individual stocks and such. My retirement account is in a vanguard retirement fund, S&P 500 Index Fund, and a couple other things but largely goes untouched and has managed well over the last 5 years. My personal investment account has tripled over the course of 6-ish years. The fact you’re looking at investing and planning for the future at 20 already puts you ahead of many/most out there
LOL, VOO chart looks like the SPY chart.
VOO and chill people laughing over in their corner
I’d like to know why anyone in their right mind would ever buy bonds. 3% doesn’t even beat inflation. Just invest in VOO or something and you basically triple your investment in 10 years vs a meager 30ish percent.
I used to laugh at folks that said to just VOO and chill, Im certainly not laughing now.
Trying to time the market will always under perform in the long run. A fund like VT will have more diversity, VOO is still fine. Active trading in a retirement account is probably a bad idea unless you know you are a disciplined investor. I wouldn't recommend it really. Most people will under perform the market, so better to have more gains in retirement account.
VOO VTI VTI/VXUS VT Or comparable funds.
Are these funds that are often mentioned here- VOO, VT, SPMO etc all etfs? How are etfs different from mutual funds?
VOO is good for most people. if you have more money buy some stocks. the key is diversify but if you get emotional and scared often and will sell at a loss just buy VOO and never look at it
50% ETF (VOO or QQQ) and the other 50% you should go 5 to 10 stocks . Why? You just need to hit one of those for it to be life changing and you're young enough to weather the storm and overcome mistakes
VOO is easy to love in a bull market. the real test is whether you keep buying when it gets ugly
VOO is a safe/mundane way for Old timers to not have a Heart Attack. Your only 20, why choose it now?
It's not AI, I compared Schwab vs Vanguard ETFs for my own investments. The list of top ETFs is just going down through that ETFdb list and picking the top fund for each category; that's how I got that. Crude but not AI. Look, I don't think we disagree on anything substantive. If you had just been clearer in the start that you were only talking about outflows from Vanguard's brokerage business, this whole thread would not have happened. When you said "4x the outflows that they do inflows in the retail channel, their retirement business has stemmed enough of that bleeding" almost everyone interpreted "retail" as retail fund AUM, not ACAT transfers out of the brokerage. I acknowledged early on your clarification. I wouldn't be talking about the brokerage business in my replies if I hadn't accepted that was what you meant. My point then wasn't that your stat was false, it was that it was secondary to their fund business. I have never used Vanguard's brokerage but I regularly hear it's difficult to use. I agree with you it should be better and it's a *theoretical* negative to their future funds business if they have someone move to another broker, it just gives that broker more leverage, sending you stuff to encourage you to use their products. It gives them an in from a marketing perspective. But that's all it is. If anything, the shift to Vanguard has actually accelerated since everyone went zero commission. Vanguard overwhelmingly has cultural mindshare on this. Reddit threads, YouTube, podcasts, it's always VOO, VTI, VXUS, VT, BND. No one is saying IVV, ITOT, IXUS, SCHX, SCHF. The reality is that Vanguard's core fund business is growing and money is flowing *in* to Vanguard.
It is a good and relatively safer advice if you don’t want to spend time and energy to pick stocks for long term investment. I would even say if you are young and have steady income for the long term and can tolerate volatility, putting money into SMH or QQQ or VGT may be a better choice. I wouldn’t say VOO is the best advice. Just my 2 cents. NOT A RECOMMENDATION.
Yes, VOO is a great play. There is so much to learn about investing that can mess people up, so it’s smart to park your money in an index like VOO while you get your investing sea leges. 20 yrs old is a GREAT time to get started (congrats!), so keep at it and go SLOW. This is still a bull market and there’s a lot of money yet to be made, so having your cash invested is wise. Do NOT get caught up in all the gain-porn on r/wallstreetbets and PLEASE do not get into options or leverage (exactly how Leopold lost $45 billion he was managing)
VOO is perfect. Keep some dry powder to buy the dips. Put a small amount of money in a second "play toy account" that you can do whatever you want with. I usually do this in a separate retirement account so I don't have to worry about blowing up my taxes. Best advice I can give you: Maximize your Roth IRA contributions every year and stick it in VOO or a similar total market ETF. After 50 years when it's six (or seven) figures growing tax free at 10%+ per year... it's a lot of easy money. I'll be long dead by then, but you can harken back and thank me anyway.
Stick to VOO. Nothing wrong in having a small % in crypto, sure, why not. But, stick with buying VOO regularly
Hi, fellow metal holder here so no shade there. But beating the market is not everyone’s goal. So if people didn’t have a financial advisor they might put all their money in VOO when that is actually not the right move for them. So the answer is sort of in your assumption if you know what I mean.
Start with $2k in VOO, $1k in EMXC, then DCA the rest over 6 months.
You're not wrong. However, Financial Advisors aren't for regular investors like you and me. They're for wealthy people who have millions in assets. These guys don't cherry pick stocks in an attempt to beat the S&P 500. But for someone with $5 million, real estate, and business interests, the advisor's value isn't stock picking. It's tax loss harvesting, estate planning, trust structuring, and Roth conversion strategies. They save you more in taxes than they charge in fees. Tax Loss Harvesting is one of the most underappreciated feats a Financial Advisor does for their clients (saving them hundreds of thousands if not millions each year). Nonetheless, In the last 15-20 years there have been some changes in investing. Right now many ETF's like VOO are heavily concentrated in just a handful of companies. Investing in these ETF's is you making a bet on a handful of companies in the Tech Sector. There's nothing wrong with that btw. Previously, Financial Advisors would have you diversify your investments into Mutual Funds, International Stocks, Bonds, REITs, and other financial items in order to never take a massive hit when the market drops. Knowing which ones to invest in as a regular investor even 20 years ago wasn't always obvious. Another new reality in the market today that's different from say 2008, is that there are a lot more realtor investors like you and me in it. The introduction of apps from large Brokerages makes it easy to get into investing and this has led to crowd sourcing of knowledge due to the internet. ***TLDR; For someone with $50,000, a 1% advisor fee eats 20% of your average annual returns. But for someone with millions in assets a Financial Advisor is your best bet for securing millions more and growing your wealth even further.***
Honestly, if 10k is your whole portfolio I'd stick to the VOO, VEA , and EMXC and skip all the industry specific stuff. Keep it simple and less volatile. Don't get into investing as a speculative hobby until you've developed a solid base portfolio worth worrying about.
Hey. Since you havent really gotten much more than trolls on your post ill give you my view (I'm a TMT PM with 15 years experience managing over 1 billion in exposure). You are 22 that is your biggest asset. At your age the most important thing is regular contributions. The market will pay you over the long term. VOO on a regular basis will make you weathly. In spite of what you see on reddit the S&P 500 beats everything else over the long run. Its boring but its effective and the goal is to be wealthy. When your in your 30s start adding in a bond fund so you have 5 to 10% in bonds by the time your 40. The all world funds dont generate the same returns as the emerging markets tend to drag overall. The other option that works well is target date retirement funds. The last thing I will say is that the first 10 years of regular saving and investing will feel real slow and it wont feel like your making progress. Stick to it and keep putting in the regularly (id recommend you work towards 20% of your income including any company match for the 401k i.e. you save 15% and get the 5% match from your company).
VOO but aggressively buy the mega dips (more than 10% off highs)
The smart thing to do is VOO and chill. But I am a retard.
There are risks for CCs and CSPs. \--If the price of CRDO goes to $260, I'm going to be selling 400 shares for $235 (I miss out on the other $25 x 400 = $10K). \--If the price of CRDO craters to $200, I'm going to be stuck with 400 shares. I can keep selling CCs on it, but if the strike price is below my entry point (reduced by the premiums I've gotten already) I could take a loss. \--If the price stays somewhere in the $210 to $250 range, I can keep selling calls and keep pocketing cash (which I use to buy VOO). My best case scenario is I get a few months out of it and then it gets called away, and I move on to another stock. My worst case is that the bubble pops and I'm holding an expensive stock that never recovers. My losses are mitigated by the premiums I got along the way, but that risk is the same as any long holdings.
This is the only comment today talking about telling people to just buy VOO/SPY.
Do you have a normal investment account? I’d work on maxing the Roth by EOY and increasing contributions to the 401k (at minimum match the company match) And funnel a few bucks into the personal investment account and park it in FSKAX (or VOO) it’s a marginal difference in expense ratio…it’s just if you plan to switch brokerages you’d have to sell FSKAX where as with VOO you can just transfer it.
Over 90% of my port is VOO so it’s probably going to go pretty similar to the market.
You are aware, I hope, that about a bajillion studies have demonstrated that it is actually quite difficult to beat the market, which is why the few people who consistently can get paid billions to do so. I'm just curious where that fits with your worldview. If someone can beat the market with a little effort, could they not, say, do that with someone else's money and take a fee? I would personally be willing to pay a premium for predictable over performance, and so would many others. You only give one example: >off the top of my head you could put 100% of your account in VOO. Then sell 1 naked call on SPCX strike 450. That’s a market return plus $100. ... are you assuming that call will never ever be exercised? In that case, who do you think is buying the call?
The actual directionality has been into Vanguard though. VOO only overtook SPY as the world's largest ETF 18 months ago. >Vanguard's S&P 500 ETF (VOO) has become the world's largest exchange-traded fund after $121.1 billion in inflows this past year, taking the top position from the SPDR S&P 500 ETF Trust (SPY), heralding a major shift in passive investing. >State Street's SPY, the oldest US ETF and an industry bellwether since its 1993 introduction, had steadily been losing market share to VOO over the past year, despite SPY's 17-year head start. https://finance.yahoo.com/news/voo-overtakes-spy-world-largest-193012109.html There has been a shift in general from mutual funds to ETFs. If someone decides they don't want to use Vanguard's janky brokerage interface and move their VOO holding somewhere else, Vanguard is still the custodian of the AUM.
VOO is for when you have piled up enough cash that +14.3% puts a smile on your face. If your investable assets are less than two months of salary, gamble hard friends.
VOO is for pussies. Get back in the casino, champ :pepetrump: