VOO

Inittowinit1104

Iwm takes out the local tensions but misses tech upside. Spy is a good balance. Go 3/4 spy 1/4 VOO for added safety. And remember. Always the M. QQQM OR SPYM if you’re gonna buy hold.

Stock_Door6063

And put the money in an S&P 500 INDEX fund with reinvested dividends (like FXAIX, or the etf VOO).

cloud_cafe

Why didn’t you stick to VOO LMAOOO 🥀 🤌

StudentFar3340

I have to explain to people why I don't own real estate in a VHCOL area all the time, even though my job description says I make a high income. When you own a house, the government taxes you to own it, and you have to buy insurance and pay for upkeep. I don't have to do any of that with a stock portfolio. Don't forget about those HOA fees. Something as innocent as $500 a month would equal over $1 million if invested in VOO over the course of a 30 year mortgage. Then the are expectations. I only pay $5000 a month for a decent apartment. The mortgage on a house Inwould be expected to live in at my station in life would cost me $10k a month more. I thoroughly enjoy having the difference go straight into my stock portfolio...if 8 desired, I could pay cash for a house after a few years with the savings. Also, with a house, there's the potential for lifestyle creep. I drove a 20 year old truck because no one knows what I drive and the neighbors don't complain about it. When I lived in the trophy neighborhood, the neighbors complained about they truck (as if it reflected poorly on them). Then there's the higher end furniture and material things needed to keep up with the Joneses. The Jones' can keep their material things. I'll take my extra liquid cash and let it compound, building an fortune in time

iamsciences

VT/VTI/VOO choose one

Cl0wnbby

VOO/SPY and chill

BranchDiligent8874

Are you going to receive one time $300k or it will be given to you every year? Same question about $100k from grandparents trust? If this is one time thing, then you can invest in stocks and bonds portfolio, preferably 50:50. For stocks you can just use VOO and VT. For bonds you can just use something like VGSH and VGIT.

Sempai6969

GOOGL is up 54% in the past year vs 17% for VOO. Do the math

Onim

Pokemon cards https://www.cbsnews.com/boston/news/pokemon-card-value-investment/ I've been loading on them as an alt investment (as well as sports cards) since around 2022 and they have matched if not beat my $VOO over the same period. Will it continue? Not sure but it's an interesting sector and it's fun as an alternative 🤷

UnderstandingPrior13

Buy quality stocks, and hold for the long term. If you buy shit stocks, be amazing at trading, and many are not. Even those who have gotten lucky with one good trade, end up losing there with if they don't go back to my first sentence. You cant time the market, and you can't really make any accurate predictions. Warren Buffet and Peter Lynch, likely the greatest money managers over the last 50 years know the importance of the first sentence. Quit thinking you have a secret sauce, because you don't. Yea, you can make money here and there, but if you don't follow the fist sentence, you leave money on the table that you otherwise would have gained. Instead you keep tinkering and lose out on gains because of fear of loss. Get out of your head, buy and hold. The most important is quality. If you can't pick quality then just use VOO, SPY, or QQQ. An index will cover a multitude of ignorant decisions.

OneUglyEar

This is exactly the intelligent question to ask. So many people mindlessly say VOO and have no idea how much exposure they have to seven companies. I think "index risk "has never been higher than it is now. Never.

crazybutthole

>insights about 10y vs 20y strategy there shouldnt be much difference. if you go with about 80% or more in index funds it should be fine. i am not a huge fan of "global diversification" - but you do whatever you feel comfortable with. usa companies have dominated gains for the past 15+ yrs - doesnt mean it will continue but thats what i would bet on. just my opinion. i am 75% in us based index funds like VOO VTI QQQ and less than 10% in "global funds" and maybe 15% in individual stocks. thats just how i do it and its working for me

getdealtwit_2003

Nobody's answering that part because you've got a bigger issue. It's like someone coming on here asking if they should do a 60/40 portfolio or 100% VOO while casually mentioning that their house is currently on fire and being frustrated that everyone keeps telling them to call the fire department. You're not qualified to be actively managing someone else's money, period. (That's not criticism, no one on here outside of the financial services industry is qualified to actively manage someone else's money.) You're very likely opening yourself up to legal liability by doing this, not just risking damage to the personal relationship if the economy declines or the portfolio lags. The cousin blaming you if the market goes down is the least of your worries. Imagine the market going down and you being sued for the losses in your cousin's portfolio which you end up having to pay out of your own portfolio, which is also down along with the market. (And please don't say your cousin understands the risk or would never sue--I'm just pointing out the potential trouble you are needlessly opening yourself up to here). We can all chat casually with someone about where we think the market is going or how we think people should invest; you should not be managing someone's portfolio for them, no matter whose idea it was for you to do so.

Lonely_District_196

B and C seem like contradictory statements. What if we consider each one separately? >a) are the product of new technology or changing behaviour / regulation or both. The technology plays are AI and quantum computing. The regulation plays are PMs like gold and silver. You could pick a sector based on which political party you think will dominate the next decade, but the fiscal policy isn't likely to change either way. >b) don't require genius picking Index funds. SPY, VTI, VOO, etc. >c) require being early when it's uncertain This goes back to a, and figuring out which companies will figure out the technology and how to turn it into a profit >d) price to enter is very low as a consequence Anything that skyrockets later will seem like a low entry price in hindsight.

Fuzzy_Cricket6563

Invest in the following: SWPPX or VOO and SCHG. Stop wasting your money on advisors. The best 500 companies in the United States.

MaleficentPositive53

I have to agree: you're not going to earn 3-5% a month consistently over the long term. In fact, over the long term, you'd be best off buying an index fund like VOO. The majority of professional fund managers do not outperform the S&P 500 over the long term. And then you look at what a hedge fund manager like Bill Ackman earns and you wonder how it could be possible because many of the stocks he chooses could have been drawn out of a hat.

MaleficentPositive53

I have to agree: you're not going to earn 3-5% a month consistently over the long term. In fact, over the long term, you'd be best off buying an index fund like VOO. The majority of professional fund managers do not outperform the S&P 500 over the long term.

Speech_Path

WSBs, which should I go with : VOO, VT, or VTI? Boogle heads are recommending VT.. but idk. I got full faith is the good ol US

Simple-Concept-5210

I max the 401k of 23,500, HSA 4300 and Roth IRA 7000. I also send $300 straight to vanguard in VOO. Next year all the limits go up and I will increase to the new max in all three. We keep 10k cash, around 10kish in checking, and 30k in Edward Jones as far as cash reserves. the rest as I like to say we are fully invested and all dividends are automatically reinvested, I private mortgaged land for a family member who pays me $250 a month which has 7% interest on the note, I also put that every month straight to VOO. Everytime our checking account gets over 15k we automatically send that money to vanguard to get the account to around the 10k range we stay at. I also have a Heloc for 100k that we have never had to use just in case and we both have 100k limit credit cards for special cases. I try to max retirement accounts out but I'm also fortunate to have a large brokerage account already so thats why I figured max them out.

Rascal2pt0

I contribute what I need to get a full match on my 401k and any extra goes into index funds like VOO (S&P 500). My reasoning is that I can always sell stock easily in an emergency but can’t touch my 401k without a penalty. My company vests 100% every month.

caine316

VTI or a total index with low expense fee. Maybe VOO. In 30 years you’ll have 80 if you don’t touch it….or invest in a cert or license. Machine learning boot camp. Trade school etc.

SmallCapsOnly

QQQ makes almost 19% per year doing nothing but sitting there. VOO makes 15.5% doing nothing How many hours do you spend to take a higher risk than QQQ just ti underperform? That’s how my mind thinks about it.

wigglywiggs

I would personally prefer not to invest my family’s money. But if I was on the hook for it I would split it between equity ETFs and bonds. VOO, TLT, SGOV, etc., maybe some other vanguard funds. Keep it simple and low risk.

Rare_Skin1192

VOO/VTI 50/50 and then forget that you put it there.

RonMexico16

VOO and chill.

crazybutthole

if you really have $800k you are ready to invest - you should put. at least 66% in low cost index funds like VOO or VTI

Ok_Reaction_1549

Buy VOO a wait 10067 years

Sea-Soil-6026

The weighting of tech shouldn’t concern you in an S&P portfolio. The market is constantly rebalancing and if tech were to lose traction to finance, discretionary, staples, etc. it would automatically rebalance by the weight of those individual stocks in comparison with S&P market cap. It’s only heavy on tech because those are the largest companies in the S&P, as other sectors grow in market cap, the gap in weight would theoretically narrow. The S&P is a good representation of the total market as a total market. When you compare VOO with something like VTI, there’s really a minuscule difference and they tend to move in parity because the weighting of the top 500 stocks is what is moving the market, much more than the remaining 3000 stocks in the total market index. Even an equal weighted S&P fund is going to have a strong correlation with the S&P, though much less volatility in there. If you want to diversify, you should diversify across markets; eg domestic and foreign markets, commodity markets, fixed income, etc. but the composition would remain entirely on your risk profile and your liquidity needs

CharlesHorseradish

Half in Prudential and half in VOO

Necessary_Winter_808

The ultra safe VOO is up 50% over that time frame. What on earth were you doing?

Nickanator8

I think you were right up until large losses. Again, the dry powder is a small percentage of your portfolio, so if you buy something on a shot term discount, if you end up losing money on that trade then it shouldn't be a huge loss. Personally, I keep some cash on the side for things like specific stocks that I feel have downturns that will be short lived and upswing that will last years. Could I have made more just buying VOO and forgetting about it? Maybe, frankly I don't feel like doing that math. What I do know is my NW is growing steadily and I don't really take losses because I buy solid investments with long time horizons. Should more people simply VOO and chill? Probably. But most people in this sub like to do research, learn about companies and opportunities and try to beat the market, even though we probably won't, because we think its fun and we are still mostly invested in diversified funds. My "play money" is less than 5% of my total invested NW so I feel fine tossing some cash at a speculative investment just to see what happens.

thesecondmarshmellow

Scenario 1 Of my invested amount, I hold about 30% to 40% in a triple levered etf vs my preferred index. So let’s say I start with a $100,000 account, with $40,000 in UPRO, and I’m benchmarking performance against VOO/SPY. If I make a $1,000 deposit, I buy $400 UPRO, and leave $600 cash. My overall performance most of the time matches the market, but I’m 60% cash. When the market goes down by more than 20%, I use all my cash to buy the index fund, VOO or SPY. This strategy outperformed by wide margins over the last decade, with zero risk of margin call, and the downside being that triple levered etfs will perform terribly if we see a decade with more down days than up days. Scenario 2 I have $1,000,000 in a portfolio margin account to start. I put it all in VOO. When the market goes down 10%, I use a box spread to buy $90,000 worth of VOO. When the market goes down 20%, I use a box spread to buy $80,000 worth of VOO. So on and so forth down to 50%, at which point my debt to equity ratio will be 70%. When the market returns to its starting point I sell all of the shares bought with borrowed money. So long as the market does not do a 1929 style crash and the time it takes to return to start is such that I surpass the rate to borrow in my box spreads (which for much of the last decade was less than 1%), I outperform the market. Both of these strategies answer your question and outperformed the market over the last decade, however I’d caution everyone that in the event that AI does not deliver on it’s promises and the non-AI economy continues to stagnate, the next decade will not be as rosy for investors as the last.

Different-Bill7499

How much would you have been up had you just put it in QQQ and VOO and forgot about it?

Busy-Crab-8861

If you just bought VOO or VT, you would be up almost 20%. People don't want to make money, they want the thrill of losing money.

Heyhayheigh

Buy VOO or QQQM on an automatic weekly basis weekly basis. Use a firm like Fidelity that allows fractionals. Set it to whatever you can afford. For some that is 100/week. For some it is 1000/week+. Always work to increase that weekly. That’s it. Spend less, invest more auto. Here is the important part: sell ONLY when you have something urgent to pay for. You’re already messing this up by talking about: I can’t sell NVDA because it is on a dip. Market don’t matter, urgent need to spend does. If you make good money, hire a trustworthy pro. Most suck. Just be aware. Don’t be shocked if you move brokers during your life. It is easy, no contracts. Life goes on.

TrivalentEssen

Option price of spy should be effected by price movement of snp500. The snp500 should not really be affected by spy options, but I guess it could. Same with the vanguard VOO etf

Disastrous_Rent_6500

When you have a low starting amount, your focus should be on one thing. Since you don’t know what you’re doing, buying an ETF like VOO is all you should be doing. It won’t make you bankrupt, and it allows you to “feel the market” and get used to the constant fear and greed

TestingLifeThrow1z

28M, I have my 401k matched, roth ira the boring VOO, VT portfolios but I wanted advice on my brokerage stock portfolio. Holdings: Please advice any holdings I should add. I added companies that I believe can't be replaced in the long term for what they do. Cash: 27% QQQ: 18% GOOGL: 13% META: 9% MSFT: 9% BRK-B: 8% TSM: 6% ASML: 5% MELI: 5%

AppropriateGoat7039

Buy ETF’s to start. VOO and QQQ (if you want a technology tilt) are good places to start until you know a little bit more about the market. At 18, you could simple DCA into VOO for the rest of your life and easily become a multimillionaire.

Doughboy_97

What do you expect buying 2x long shares in a company valued at 18B with 1.4m in revenue TTM? Buy VOO since you can’t make good decisions on risk management

MindfulK9Coach

When greed comes for its paycheck. Taking profits never hurt anyone. Better luck next time. Granted, most likely won't be a next time. Back to the hamster wheel via VOO and chill you go with the rest of the normies. 💀

Nickanator8

I understand why you would say that, however, I disagree. The reason I would say it isn't timing the market is because cash on the side isn't just for buying an investment like a broad market ETF. Dry powder is there to take advantage of unforseen opportunities and black swan events. It's there to give you the flexibility to take advantage of situations that come your way without needing to sell investments to do so. Sure, if all you ever invest in is VOO then having lots of dry powder doesn't make a ton of sense. However, if you invest in VOO and some individual stocks and other assets like trading cards, cars, houses, art, crypto, or any other speculative asset that isn't "basically guaranteed to go up" you might want to have some cash on the side to reduce total net worth volatility as well as give you the option to capitalize on short term downturns. I get how that looks like timing the market, you are waiting for the time to buy something to be correct, but its not "timing the market" in the way its talked about in this sub. You're still invested, you're still DCAing, you're not sitting on the sidelines, you're simply recognizing that you don't know everything and you want to reduce volatility and give yourself the opportunity to take advantage of opportunities that come your way. Does that make sense? It's ok if we disagree, I just want to make sure I'm being clear.

G000z

Cash out, put it in VOO, and be grateful for you 50k

fuzz11

You were not “investing”, you were gambling. Sell everything and stick it in VOO before you lose $200k and your wife.

CobraCodes

Or VOO

Gordon_Gainz

VOO and chill dawg you ain't stevie cohen

ptb_nuggets

Whoa, thanks for linking that one. Just bought more VOO.

amg-rx7

Here’s a good article on dividends: https://www.downtownjoshbrown.com/p/dividends-are-a-feature-nothing-more Invest in good companies with good stock performance. Invest in a good ETF like VOO which tracks the sp500. I would have kept Broadcom personally

db_deuce

Presuming you have no debt, the entire 68% should be invested after you have 2 months of liquidity. It takes 1-3 days to liquidate investment like stock or bonds, so investment is just savings. Now, how to save: 1) Traditional and ROTH 401k/IRA should be funded first. Tax advantages accounts are a godsend long term. After you max out the tax advantaged account, you can open taxable accounts. 2) Buy low cost ETF like VOO, QQQ. That's all you need until you have 500K, then toggling makes sense. Before that, Bonds, or diversity is a waste of time and makes things worse. 3) If you need liquidity for a home, you'll have to assess the facts later as the variables are too dynamic. I would just save like crazy in a tax advantaged way. That old helps and will never hurt.

Glittering_Law_6346

VOO or VRTTX and then go find ways to increase your income and savings rate to invest more.

alwayslucky7

A mix of TQQQ, SOXL, USD, UPRO, UDOW (10-20) And the rest in SPY, VOO, QQQ, QQQM, and maybe throw some into the leveraged google etf GOOX - i believe its called

penguincheerleader

What happened to being a VOO bull?

Prudent-Corgi3793

Bears: LOL BOL, WE'RE GONNA CRASH Bulls: LOL BER, BUY EVERY DIP VOO: +0.00%

OneUglyEar

And no less relevant. Just because you slog away throwing money into VOO doesn't mean there aren't people capable of doing better.

Lonely_District_196

There are 3 types of investors: 1) Passive. Aka: time in the market beats timing the market; VOO and chill; <insert favorite index ticker> and chill. These people DCA into the market and don't worry about the ups and downs. The most trading they ever do is a periodic rebalance. 2) Active. These people actively trade with a time frame of daily (day traders) to a few years. 3) Hybrid. These people have a mix where a portion of their investments is passive, and a portion is active. A popular version to to passively invest 90% of the portfolios, and have 10% for active trading, or to keep on the side to buy the dip. Type #1 does not have "dry powder" and doesn't need it. Type #2 & #3 can, and probably should, have dry powder. Note: personally I wouldn't bash on any version above, (I'm a #3) but it's important to understand the difference.

le_fuzz

Your portfolio shouldn’t be 100% equities even with a “time in the market” philosophy. Having a mix of equities, bonds, cash, and alternative assets allows you to weather downturns and rebalance to “buy the dip”. For example assume a 80/20 mix of VOO and BND in a 100k portfolio. In March 2020 VOO dropped 33%, BND dropped roughly 3%. That puts our portfolio value at 73k (VOO: 54, BND: 19). This means we are no at 27% bonds and we rebalance by selling some bonds and buying equities.

Lokoto123

Sold puts for a loss at the bottom yesterday morning, sold calls at the bottom this morning, maybe I should just buy VOO shares and chill

1cenine

Very similar spot just a bit younger than you. Wife and I have been aggressively investing a high % of our tech sector incomes for mainly into VOO and equivalent. Just recently began shifting a ton of focus into bonds and some into gold, specifically to help ride out sequence of return risk or USD devaluation scenarios if we early-retire or just downshift into lower paying jobs or projects in the next decade. Exact mentality from your last line there. It’s “another segment of our portfolio to live off of if / when shit hits the fan” for a few years.

kittynation69

Even without taking out the mag7. VOO is 15% YTD while VXUS is 27%

Wmacky

Seems easy to me. I just bought VOO and ignored it. UP 90% in 5 years?

___Art_Vandelay___

Learn how to use stop los-- no, actually, that's not enough. STOP BUYING INDIVIDUAL STOCKS. VOO and chill, because you otherwise suck at this.

harvey61kari

Pick solid companies and invest there and do VOO

Dusty_Chum

Yup, just gonna keep my weekly auto-buy order live for VOO. Almost bonus szn too so should have some more money to spend on cheap assets 🤑

MouserrMan

Should I sell 1 of my 7 VOO shares at a 572avg to buy a META share?

ThanksS0muchY0

VXUS and chill. VOO too wild right now. VXUS is performing well in this economic climate, and will continue to outperform the S&P (VOO) for, say, probably the next 3.2 years.

Zerkron

“In no time.” It’s going to take 31 years to get back where he was 6 months ago, and that’s assuming 10% avg return from SPY and ignoring inflation. Adjusted for inflation at around 6.5% real return, it will take roughly 46 years. So OP, just put your money in VOO and wait 31-46 years to break-even.

Quick1711

VOO and chill my ass

ratulotron

Makes sense. The employment data hiding is a huge smoking gun IMHO. I will see how the next week goes, I am not entirely derisked from US yet, so if there is a pull back that will be my opportunity to reduce VOO. Honestly I am waiting for that 10-20% drop to deploy my dry powder to VWCE, while doing DCA to EM and EU. Last 5 years VOO worked nicely but I don't see any benefit in buying more at a high price while putting myself in a narrow space.

D74248

The younglings around here are going to learn, hopefully, that investing near and in retirement is a lot more complicated than DCA'ng into VOO. The accumulation phase can be simple. On the other hand, [William Sharpe](https://en.wikipedia.org/wiki/William_F._Sharpe) called living off a portfolio "...the nastiest, hardest problem in finance.".

UltraAware

Long term: VOO and real estate Short term: HYSA Gamble: Crypto

BradBrady

Mag 7 and space stocks at least for me but mostly VOO

WeWereVisited

About 90% of my port is currently in VOO/ONEQ/GLD and cash. Will buy individual stocks again after this nonsense. Thank you for your attention to this matter.

D74248

This is not a binary decision. If you are 15 years out from retirement it might be a good idea to start building out a bond ladder. TIPS should be considered. Nominal Treasuries, TIPS, CDs, Preferred stock, closed end funds — these are all investment vehicles. Investing is not just about VOO and cash.

Nomad-2002

An idea I heard in the 1990s: (a) If under $100,000, try for "home runs". Try any strategy. This can save a lot of time compared to buy & hold VOO for 50 years. (b) Once over $100,000, switch to safety (e.g. VOO, SPY, VT). Modified idea: (b) Or go 50% safe, 50% risky. Or 90% safe, 10% risky. \- To adjust for inflation, use $200,000.

Iunatic

I mean if you think about VOO and chill it is just bagholding long enough, and bagholding more every time, until you're rich.

Antique_Divide_1484

Nice summary in terms of 2025 investment advise in my opinon! The important part of your comment for me is the fact you highlight that you will not sell out of VOO but invest new money in BRK.B, as this gives you more diversification, and no matter what the OP wants to do, it is important to diversify.

casey-primozic

Why VOO and not SPY?

carlemur

VEA is up 34.4% since April 8, VOO is up 28.8%. https://finance.yahoo.com/quote/VEA/history/ And https://finance.yahoo.com/quote/VOO/history/

DiligentScience3032

I’m gonna keep it real with you, literally none of those are “good investments” besides VOO. Are you trying to trade or actually invest? Because if you want to invest just DCA into VOO and forget it. Everything else you listed can be dumped in the trash.

SilverPie5131

If you're already in names like GPUS, BURU, Intel, VOO, NAKA, and CORZ, you've got a mix of speculative plays and some stable exposure. If you’re looking to add a few more “safer-ish”tech or tech-adjacent names,most people usually keep an eye on things like: Large-cap tech (the usual mega-cap names that move slower and have real revenue) Semiconductor (broad ETFs if you want less risk compared to single stocks) Cybersecurity (tends to holds up well long-term because demand keeps growing) Healthcare+biotech ETFs(way safer than individual biotechs which can be volatile) Nothing is really a “safe bet”,but staying with profitable companies or broad ETFs is generally a steadier approach than pilling into small caps or hype tickers. Speculative plays can run hard,but they can also drop 50% overnight—so keeping them as a smaller part of the portfolio usually keeps the stress down. Just my two cents—do what fits your risk tolerance and timeline.

DragCommercial4989

lol how is the average VOO/401k/international pension fund getting ‘scared out of their position’? Mag7 is propped up by set-and-forget bagholders

CheatCodeWealth

Honestly, if I had $10k I would just do $QQQ or $VOO. It doesn't need to be complicated. This is not advice, just opinion.

infinitetekk

VOO is just an s&p500 index stock and I like having that as a backbone to my portfolio because it routinely outperforms short term traders. I read a book called “The Psychology of Money” by Morgan Housel and he did a good job of explaining how and why retail investors fail to compete with the market at large. So to me, it’s always a good idea to invest in the market long term for retirement, but use only a small percentage of the portfolio for risky trades. I myself, admittedly do not follow my own advice sometimes. I sold some of my VOO to buy BYND calls, and for that I am an idiot, but I learned a lot about myself and about the market.

Civil_Let8600

Why VOO? Seems like a safe bet but slow returns right?

infinitetekk

I am still in the green for now 😂 but I have become desensitized to the movements, I have my own convictions for crypto and VOO so it’s a no brainer to just hold and buy more

infinitetekk

This is my all time chart over the course of 7 years. When the market is bearish I stack up and park my money into VOO and crypto DCAs. I learned my lessons with BYND and other stocks, don’t chase fast gains. Have a backup plan, only risk what you’re willing to lose with penny stocks https://preview.redd.it/1zbu3jmgj51g1.jpeg?width=1290&format=pjpg&auto=webp&s=02078d82e869e5fd6a3a5b1827cb48097fa6672e

Itchy_Document_5843

Mostly VOO and QQQ. Indices historically go up in the long run. I also have META. Hopefully, it goes up within one year lol I'd average out your entry point. Say 833 into VOO monthly to iron out the volatility. Any cash should be earning interests in high rate savings accounts or BIL etf.

Ok_Reaction_1549

Hey just buy VOO and SGOV

ImpostureTechAdmin

So buy VT over the next year of two instead of VOO; got it

floo82

VXUS is VOO for people who don't want their "total market" fund to be 10% NVDA and 40% MAG7

SmallCapsOnly

People realize there are companies out there that are not AI and will not crash when the AI bubble is exposed right? This is why diversity outside the incestuous AI MAG7 is a sensible choice. People really out there buying VOO with their retirement funds and not realizing the mag 7 will make up 34% of their “diversified” portfolio of 500 companies lmao 😂 Anyways putting life savings on $LENZ tomorrow don’t @ me

Leroy--Brown

VOO is only down 1.6%

Apprehensive_Two1528

I read all replies.  Frequently mentioned are  1. VOO 2. Gld 3. BRKB 4. META 5. Msft and google  6. Bitcoin  7. VGT VXUS etc 8. All others 

Neat-Shirt-3223

Google, Amazon, and VOO. This is the holy trinity.

Lost-Substance59

Wouldnt putting that money into an etf that gives a good dividend yield (even the dividend of VOO is good) be better? Sure the dividend yields less than a high yield savings account but the dividends, if reinvested immediately via your broker (like Schwab having thays as a setting to auto re invest) yield even more by providing shares that can gain as well. Baring you starting out a year or 2 before a market fall, you would do better Not to mention saving money to buy during the once in a decade fall is dependent on you knowing its thay crash in the moment. Most people would more likely buy to early in a crash or too late to make up the potential money they lost by not investing as soon as funds are available. And I've never had an investment analyst, some of which I personally am friends with, recommend me to hold some to buy for potential future dips. And thays cause they say DCA works a large majority or times and holding for dips requires yoy to time things correctly which makes it even less reliable. They do recommend people to save monwy for emergencies like unexpected repairs, hospital visit and such but not for buying dips, which makes sense

Legitimate_Concern_5

I already have AI exposure directly through VOO as mentioned, and indirectly in BRK.B through energy companies. Their cash is generating a 4% yield anyways so the risk premium is low, and there is a great deal of uncertainty in the market right now. If you're looking for a hedge, it's kinda got one built in.

CandidFriendship2268

If I would’ve been putting in $20/week on VOO since high school id be a millionaire from that move alone

LDRispurehell

Im probably one bad decision away from VOO, VTI and VTSAX for the rest of my life

TheFriedPikachu

For long term play, and if you're concerned about the volatility of the market, it's not bad to do 50% lump sum and 50% DCA gradually over any period of time you'd like. VOO has a high market cap so even if it's overvalued, when things go south for VOO it's probably going south in a lot of other places too. VOO and VTI historically have a 99% correlation (don't take my word for it, do your due research). You can split it 50/50 or just pick one and spend less time stressing about it.

Hey648934

VOO is rebalancing next month and likely become more diversified