VOO

zarth109x

If you have a 72% return, then that means you're gambling with options trading. Quit now while you're ahead and park it in an ETF like VT/VOO. You'll be set for life.

DaLonelyOne1

You don't lol. Or you could put that 21,000 into VOO and assuming 10% returns, and I didn't even factor in the dividend reinvestment, you could give her the 100k back in 16-17 years lmaooooo

_galaga_

The keep your head down and continually contribute approach is great. Might help to list symbols in addition to or instead of fund names and also use % instead of currency. Obviously you’re starting with 1000 here so it’s easy for even my feeble brain to do the math but if you read around here a lot you’ll see examples like: VOO 50%, SMH 25%, SGOV 15%, IBIT 10% as that’s concise and easy to give feedback on. I agree with the comment poking at your dividend focus. There’s probably a better alternative for your largest fraction from a long term growth perspective. I like SMH, it’s been good for me, but there’s risk since it’s so tightly tied to AI/AI CapEx. My last comment is a little contradictory, I like that there’s some risk/reward with your smaller chunks but I also think your main chunk could be larger for stability purposes. Not necessarily Three Fund Portfolio proportions but higher than 35%.

AmazingDays-

If your collateral is in cash, yes, you stop earning interest on it. But if you have it invested, you can use it as collateral and still earn the interest over the investment. You have a knock down on the maximum collateral you can have from that investment though, but if not too risky, it is not too much (25%). In my RH I have a lot of money siting in VOO and SGOV, zero cash, and do all my option trading on the collateral the SGOV and VOO provides. Math simple, if you have 100k in SGOV and VOO together, you can trade options using up to 75k of that investment as collateral.

humdinger44

Individual stock picking is not correlated to long term investing success. Whole market index funds held for a long time are. Consistently hitting the market average is something to celebrate. It's easy to do these days and nearly entirely stress free. Professional stock pickers struggle to beat the market average and they can't do it consistently. Chances are you're not better equipped or more well informed than a professional broker working at a big firm. Brokers have good years and bad. Retail investors have good years and bad. If you're hitting the market average you're doing better than most. VOO, VTI, VXUS or just wrap it all together and go for VT.

pennychase

Age/years left until retirement? Assets? Salary? Inheritance money coming your way? And more... Factor all these things to decide the level of risk you want to take. Myself I have 35K invested which represents a 10 months net salary today and I have 20 years before retirement with 150K in real estate and inheritance of $500K in real estate maybe coming in 15 years. If I put my 35K in VOO I can maybe get 150K after 15/20 years nice but it won't change that much really. And worst case scenario if I loose my 25K of my 35K investments it's not big drama on the big picture. I can wait 20 years to get money to retire or I can risk more like 25K to maybe get 150K or much more -who knows- within couple to 5 years. I'm willing to take risks.

tadpolefarmer

Thanks for your response. I agree, my decision to invest in this way is based on several reasons one being that DCAing the S&P 500 is a Buffett approved strategy for long term portfolios, the USA is one of the most business friendly and entrepreneurial jurisdictions and the S&P 500 is a basket of the top 500 highest quality businesses on the planet, as well as the sheer simplicity of it. I guess in terms of hedging currencies for such a long term view as I have of 20+ years is probably a waste of my capital as it’s not guaranteed I will always be in Britain and trying to predict the movement of currencies is contrary to the “VOO and chill” ethos which seeks to limit complexity and cost in favour of a strategy which focusses only on owning a slice of high quality businesses. Hedging the investment only makes sense if I am trying to manage risk and having the long term view I do does not warrant spending the extra capital taking a hedged position. By the way why are you “crying in Turin?”. I am due to fly there soon to go skiing in Italy.

bad_detectiv3

For real, looking at my stocks from 2025, I’ve been thinking I should have just bought ai tech stocks and not tangent industries since the entire market sentiment really is around companies that shout all about AI Sold Reddit, UUUU killed my call option by late December, UNH at mere 2% gain, hood is in red These are all around the time I moved away from ‘buy and hold VOO’ in October 2025. I guess going all in with Googl might be worth it for remainder of the year and it’s already at its new or near ATH

Dimbo_limbo

Who do you think are the biggest owners of the S&P 500. I’ll tell you: -Vanguard -Blackrock -Slate street VOO and chill still feeds into a system where more and more of the world’s productive assets end up concentrated in a few massive corporations.

Heyhayheigh

Just VOO and chill. Buy auto weekly. Sell only when you have something urgent to pay for. You don’t need to think to this degree. In fact it is unhealthy to do so. The way crypto behaves is basically how it worked back in the day when banks each created their own currency. Super booms and busts. It eventually stabilizes. You’re only taking in the negatives and not recognizing the prosperity brought by these systems. It might just be better for you not to think about it.

Heyhayheigh

You have almost all your money in VOO, you want to change that. How will you change that without selling VOO? Are you still sure I misread? It’s fine, you don’t care to listen, best of luck to you sir.

leaning_on_a_wheel

VOO alone is well diversified

Heyhayheigh

Why do you want more diversification? Buy VOO on automatic basis. Volatility is a feature to the automated investor. Keep cash equivalents for stuff you will spend in a year or two. VOO and chill with the rest. That’s all investing is. It isn’t some magic recipe that if you get the % right you will be happy. Diversification is for safety, not over performance… you’re 30, not 60. The simplicity of VOO and chill and the ability to scale it is fantastic. All that complicated stuff will have you growing less. Best of luck.

SirGlass

VTI is like 85% VOO + 10% cap + 5% small cap. Meaning holding both only reduces your mid/small cap allocation. Meaning with your allocation you are actually holding like 95% large cap VOO 3% mid cap 2% small cap. That mid/small cap exposure is so little it won't matter. I would just go 100% voo if you don't want small/mid cap exposure

taplar

Is there a reason you are doing VOO and VTI instead of just VTI?

Exponential-777

ORLY because it's fun to see ORLY in the portfolio. It's 15% off it's 52 week high so now is a good time to buy ORLY. Strong buy rating from everyone. Eats VOO for brunch. [https://stockanalysis.com/stocks/compare/orly-vs-voo/](https://stockanalysis.com/stocks/compare/orly-vs-voo/)

clingbat

Anything could make more sense than what I'm doing. Our 401k's are in VOO equivs and taxable account is nearly all in VT. It's just our Roth IRAs that are all in on VOOG which have done better than VOO but they are a small % of our overall holdings due to contribution limits (we backdoor but don't have access to mega backdoor).

ForgiveMeImStupid

I’m in my early twenties and a year away from graduating college. I have weekly reoccurring investments in VOO and VTI and have about 3K 70/30 VOO/VTI. Is this a good investment plan just to keep those weekly deposits up or should I diversify more? I’m only looking for long term safe investment planning

CherryRoutine9397

Honestly VOO and chill still works fine outside the US, but it’s not optimal for someone UK based. The main issue isn’t performance, it’s structure. With US domiciled ETFs you get hit by 30 percent dividend withholding unless you’re in a pension, plus estate tax risk if you die holding them. That stuff doesn’t show up in returns charts but it matters long term. For UK investors it usually makes more sense to use UCITS ETFs like VUAG, VUSA, or SPYL. You still get S&P 500 exposure, dividends are either auto reinvested or taxed more efficiently, and you avoid the US estate tax headache completely. Currency risk is basically the same either way since the underlying assets are USD anyway. So yeah VOO and chill as a concept is fine. For someone living and retiring in the UK, the UCITS equivalent is just the cleaner version of the same idea.

Relative_Building_81

When investing for other people, you may want to play it safe and put it all in VOO. If there is a major down turn in the market, your mother is less likely to lose as much as in individual stocks and you wont as feel responsible.

baboolsindahood

Idk VOO is not what it used to be. You think you're diversifying but its not what you think. You're actually over 1/3rd in tech. Thats similar to the dot com bubble days. VTI is more diverse since its all the stocks. I think today you should also consider commodities, crypto, and REIT etc, possible hedges against the USD to truly diversify

CornerOne238

Oh, if we are limiting discussion to SCHD, brute force selling VOO shares will win every time, there's no question here. SCHD is not a good investment imo. I went single company as an example of quality dividend stock. In income community both MAIN and ARCC are as well established and known as VOO or VXUS in index investing. My point was that it is not hard to create an income portfolio using BDCs, CEFs, and/or MLPs that will provide sufficient income. If you are interested, I can replace the ticker with an income CEF that will produce similar results.

atoice

VXUS/VOO/VGT should do it - simple and no need to manage a thing.

NinjaChore

I just buy VOO and don't stress

AlgoTradingQuant

My day trading algos are tuned for small cap gainers/gapers with an RVOL > 5x My long term invest portion is mostly VOO

ITCHYisSylar

Thats it.  Thats all I do, other than various financial podcast more for entertainment.  Instead of spending time and energy doing that, I spend that time and energy working overtime, meal prepping instead of going to a restaurant, things to make/save more money to continue VTI or VOO and chill.   Sometimes when I legit worry about an upcoming recession, I put money in something that has a track record of being recession/crash resistant like MCD or Walmart.  Or if the majority is shitting on a sector here like big oil, which clearly isn't going away in the near future and still has long term potential, I may put money in that for a year or two.  But that is really it.  

junkrgNew

Please do not put your mother’s money in the same funds as you do. Your timelines are completely different. Just VT or VOO should be what you put her money in.

Faust8

On the US side I prefer VOO + VXUS, particularly with the current outlook. Outside of the US that means VWCE, which I believe has about 60% exposure to US stocks. It doesn't get much more chill than that.

IncidentSome4403

I’m a BRK.B and chill person but everyone saying VOO/VT and chill are also all correct. Should be the first answer to anyone new asking “what should I buy?”

Cruian

>Does it make sense for someone who is not state side to do “VOO and chill”? I don't even believe it makes sense for someone inside the US. I don't view there to be any good reason to ignore thousands of US companies and every non-US company. Single country risk is uncompensated risk. All in a total world fund though? Sure.

Ordinary_Skin7951

Totally agree. My wife took a buyout and refused to move it out of cash. After a couple years my son convinced her she was losing purchasing power. We put it in VOO and never looked back. Nearly doubled and she is very happy she decided to VOO and chill…

redditissocoolyoyo

Vug or VOO or VTI. Maybe vti.

Camembert_Ajillo

You should consider switching over to SPYL which is listed on the london stock exchange instead of holding onto VOO as a non-american citizen. SPYL physically tracks the SP500 with a 0.03% expense ratio but only receives 15% dividend withholding tax instead of 30% and does not have to deal with the estate duties after you leave this world. This is an accumulating ETF which meand dividends are auto reinvested by default and you do not even need to activate DRIP in your brokerage app. Good luck!

Laureles2

Do half VOO and half VGT (exposure to a lot of tech)

Blade3colorado

"Just go for the ETF and forget about it?" Exactly! Messing around with your mom's potential retirement money will potentially cause her to lose a lot of money; and worse, effect your relationship with her negatively. Play it safe and strongly recommend an S&P 500 focused ETF, e.g., VOO, VTI, etc.

EngRookie

>Not reading all that bahahaha the fuck hahahahaha?? and there we have it folks the idiot reveals that their greatest weakness is reading yet expects us to trust their obviously uniformed opinions on investing. I was right, stick to VOO and chill hunny😘

Best-Bee1402

I would just say find a good ETF like VOO. Reason for this is that it’s a lot safer than an individual equity and is diversified. returns are slower but risk is a lot less so you’ll most likely get an ROI.

MasterpieceLiving738

I’m glad you know to respect other people’s money. I’ve seen people almost force others to buy certain stocks because they believe in them that much regardless of how risky or speculative they are. To answer your questions I would say either all VOO or some combo of tech, healthcare, and an industrial (NVDA, NVO, and GE for example). Best of luck.

amg-rx7

If you don’t have time to keep on top of different positions just dollar cost average into VOO VTI or VT every month

amg-rx7

VOO and chill

GuyNext

Only index ETF like VOO, SPY, IVV. Unless you know how to trade actively with options and stop loss, it’s not worth it. You will lose lot of money otherwise.

timtam_z28

Gold and some other commodities are considered a hedge. If I think we're headed for a recession, I might buy a little bit more. Hypothetically you have 90% VOO and 10% GOLD ETF and that ratio continues to favor gold as you age to protect your wealth, better than bonds imo, gold and treasuries would be better imo. And better yet, say we really did have a recession and pullback, well now I have even more gold to sell if I wanted to, I'll go against Reddit's advice... I'll watch VOO go down 10 to 20%, then sell GOLD or treasuries and DCA at a higher rate into VOO during the pullback. All hypothetical of course.

therealjerseytom

IWLD is a completely different concept than VOO, mate. You might as well be saying, "Soy sauce is the quietly better version of marinara." Like it makes absolutely no sense.

inthehill

Right you are correct… I think your point is “everything” has a dividend? To your example NOBL didn’t break 10% last year and an expense ratio 10x VOO. NVDA’s 4 penny dividend is only to qualify for funds that require it. My point was to long term, high dividend investments will not keep pace. SCHD vs EQWL for example.

thesupahobo

The interesting thing about your question is that the most intelligent thing you can do is being patient when it comes to investing. Anything outside of that is less intelligent and may veer more into the of "gambling". The amount of swing trading and options are truly a waste of time trying to chase fast gains. But I would say the part that made me realize patience is key is essentially breaking even after 7 years. If I just threw that money into an etf like VOO fron the beginning I'd easily be up another $100,000+.

SirGlass

If you look at a dividend aristocratic fund it has approximate returns of VOO/VTI. However counter intuitively it does not have a high dividend yield , the dividend yield is just slightly higher than VOO. Because even companies like MSFT has paid and raised dividends over the last 20 years, its just that their stock price has also appreciated much faster then their dividends making the yield somewhat small Even NVIDIA pays a dividend .

__redruM

Lol, thought I’d check it: https://www.composer.trade/etf-comparisons/VOO-GLD

MasterBlaster4422

Sell and put in VOO

sevseg_decoder

You’re the one with the misconception. I beat the s&p500 handily for a few years and now have much more than the sum of money I deposited into the account in purchases of VOO shares. I’m beating the market forever unless I sell some VOO shares, the rest is house money. And I still have been growing that house money a lot faster than the market in the couple years since I rebalanced the biggest. I have money continually flowing into VOO from it. There’s no scenario where I lose to the market.

RadiantRecord1413

Tax drag and fees are real, but they are not automatic deal-breakers for active strategies. They only become fatal if returns merely match the index. If you outperform by a meaningful margin, the math still works in your favor. I structure this by separating short-term and long-term allocations within the same brokerage. The short-term side focuses on compounding smaller gains quickly, with an average hold time of about a week, and in 2025 it beat VOO by nearly 3x, more than offsetting the added tax burden while consistently banking gains and rotating into new positions. The long-term side beat VOO by roughly five percentage points and STILL benefits from long-term capital gains treatment anyway. Some long positions will inevitably need to be rotated over time, just like the index itself does, and doing that actually makes beating the index more achievable. Ultimately, this comes down to how active you want to be. Active strategies require constant engagement and discipline and are not for everyone. As for fees, that is largely a solved problem with zero-commission brokerages widely available. I'm not sure what you mean there.

TOAOFriedPickleBoy

Given the fees that RWL has, I will likely move my RWL into VOO if those stocks take a serious haircut.

Leroy--Brown

If or when a correction arrives for the top 10 market cap weighted stocks in VOO arrives..... I will simply buy more VOO. Then VOO will adjust based on cap weight. Corrections are healthy and normal for the markets. Bear markets as long as they are not sustained, are also healthy for the markets in occasion. These help determine price discovery.

Commercial_Deer_7114

I will never understand why all investment subreddits are so intensely brigaded by the hard-left. What does this nonsense article add to an investment discussion around a SCOTUS decision on tariffs? What are you hoping to gain? You think some VTI/VOO/VTX-investor will go like "Ah, I was going to read about the economy and how it affects my investments, but then I saw this marxist article on transexualism and now I will instead read about Karl Marx" ????

SirGlass

If you own VOO you pretty much do own SCHD. Most of the companies in SCHD are in VOO

mattleegee

Open a Roth IRA and max it out for 2025 (have till April) and 2026 Go 100% VOO or VT, you can rebalance later with no tax costs

justdrowsin

VOO, it's just a market index. No one's making commission off selling it or anything. None of us are going to move "the entire market" with our hundred thousand dollar buy.

Qtipsrus

VOO has outperformed because tech has outperformed, and SCHD doesn’t hold much tech. Sector diversification is a pretty good argument, I’d say.

yad76

VOOV is the ETF that contains the theoretically undervalued stocks (note the extra V on the end). VOO is the full S&P 500. VOOG includes just the S&P 500 stocks identified as "growth" and VOOV includes just the ones identified as "value".

Indep-guy

The simplest comparison is this: how frequently do they rebalance? VOO rebalances quarterly, and SCHd rebalances once per year. So VOO will adapt more quickly to things (companies or sectors) than SCHD will. This is likely why VOO has outperformed in the last 10 years

sevseg_decoder

Anyone telling you not to sell a little is just insane. At a minimum get your money back out and enough extra to beat the s&p500 and buy some VOO. Yeah it might mean mooning a little less but this is how people *actually* beat the market.

ArthurDent4200

The dividend rate is 3X higher in SCHD than VOO. If dividends are your tax problem, SCHD is a bigger nightmare. With low income returns, the difference is not going to be huge. With high income returns, the difference can be much more substantial.

bb1180

I don't see the problem regarding the dividend, but otherwise, I also don't like SCHD much. Maybe it serves as a defensive holding, but total returns since the start of 2022 have been pretty anemic. That being said, I have shifted significantly toward value as a more defensive and diversified approach to 2026, but chose to replace some of VOO and a few other tech heavy holdings in favor of VTV.

SirGlass

>, growth-based stocks and or ETFs/mutual funds should be 100% the goal you had me in the first half, IMHO I do not know what will out perform in the next 30 years , VTI/VOO are not growth funds, they are broad market funds that will hold growth and value and also pay dividends Growth focused funds like SCHG are not guaranteed to grow more in the next 20 years, they might, they might not. I would say age doesn't even matter , I have no clue why people think they need dividends after 40/50/60? Returns are what matter. TLDR do not bet on growth or dividends buy the market . SCHB/VTI/ITOT take your pick

Heyhayheigh

Some young aggressives like SCHD over a bond allocation. Not mad at it. Do I think all VOO or QQQM is better, yea. But whatever. As long as they spend less and invest more, all good in the hood.

Heyhayheigh

The books I read said it over and over. My heroes Buffet and Munger said it. It really hit home as an advisor and seeing countless droves of people panic selling and not automating. You really have to know nothing. Buy VOO auto weekly. Work to increase that weekly. Only sell when you have an urgent expense to pay for. You could know nothing else and be fine with just that. You don’t even really need a cash equivalent strategy (money market or SGOV) if you were truly optimized to VOO and chill. The difference would be so small until retirement age it wouldn’t matter.

lightning_whirler

I'm about ready to say screw it and put everything in VOO

Federal-Hearing-7270

-11%, shares, on the streaming global leader. Do yourself a favor, sell and stick to VOO or a HYSA. Pussy.

TheHappyMurderMan

VOO was talked about like that way before people started using ChatGPT to make their posts

Ok-Educator5253

Is that why I see VOO talked about so much more than other Index ETF?

Heyhayheigh

“Maxed your accounts”, does that mean only 401k and Roth? That’s a shame. You should have been doing VOO and chill in taxable as well. It is an important habit to develop. I don’t care if it is $50/week in a Fidelity account (that’s how I started long ago). At your level you should be making friends with a trustworthy pro to do actual planning to see what you are on pace for. DM me if you want help.

Kitchen_Page9991

Im mid 50's and hold an aggressive portfolio like you. VGT has been a game changer for it. I too get concerned about allocation. I'm45% VGT, 45% VOO, with cash and a splash of GLD and SLV in there as well. I'm in the process of selling a second home right now. The profits from that will be allocated to something like VTI. Just for the sake of balancing it out more.

marioacastiello

Currently I’m mainly in VTI, VOO, VYM but I want to add an international fund like VXUS

usa_reddit

Nothing wrong with VOO/VI it's slow, safe, growth over time. This is my strategy and I believe it will beat VOO/VTI over the next year, but I have higher risk exposure in SMH and SGOL. |SMH (Semiconductors)|15%| |:-|:-| |SCHD|20%| |GLD/SGOL|15%| |VYMI|10%| |SGOV|10%| |SCHG|30%|

Decibel0753

In Germany, you cannot buy American ETFs VOO and VTI.

teh_herper

Go directly to SPY/VOO ETF jail. Do not collect 200

zdog2x

I do VTI, VOO, VWO and VEA. Majority being VTI.

fakieTreFlip

Investopedia is your friend: https://www.investopedia.com/terms/e/etf.asp It's an asset you can buy just like a stock. It's technically a group of securities put into a single fund. Some popular ones are VTI and VOO. Their holdings include big companies like Nvidia and Apple and Amazon. You buy shares of the ETF instead of the companies directly. It's a decent way to diversify your holdings without having to think about it too much. Just buy stuff like that and hold until you retire lol

Detailed23

I was all in on MSTY and MSTR in January. Lost about 20k there. Went deep in on OPEN in APRIL with stocks and some calls. $600 on a .50 call went up 2500%. Then went in on critical minerals and got rugged. Then went all in on Ethereum and got rugged again. Now, back in OPEN today. I've been ultra bullish on OPEN since last year. Not advice but once I get back to even Im going full VOO and shutting my computer off.

Away_Investment_8409

At 27, time is your biggest edge. A broad ETF like VTI or VOO is plenty on its own. Owning both is mostly redundant, so I’d make one of those your core and keep it simple. If you want, you can add a small slice of something riskier for growth, but keep it small enough that you won’t stress during downturns. SPLV can smooth volatility, but it may lag long-term. Biggest key is consistency and not touching it when markets get rough.

No-Consequence-8768

Hedge may not be the correct word. But Yes it would be better than holding 100% VOO/SPY during your times mentioned. Even tho BRK/ab is 85%correlated to S&P during times. A true Hedge brings you Down during all other Market times, BRK is a good fund to HELP during Bear times and performs during other times. [https://www.portfoliovisualizer.com/asset-correlations?s=y&sl=29nTXDkiF11SVEbyc0O0aU](https://www.portfoliovisualizer.com/asset-correlations?s=y&sl=29nTXDkiF11SVEbyc0O0aU)

PonticGooner

BRBK and VTI are good picks, SCHG. That said, the last three years I’ve basically said fuck it and have actively traded in my Roth IRA more than my actual account and not contributed to it, and I’ve managed to outpace VTI and VOO even if I account for hypothetical maxed out contributions that I haven’t made. So that’s been interesting. Long term is usually 10 years like you’re saying but a Roth IRA or 401k long term is longer than that because you’ll be looking to withdraw from it when you’re in your 60’s (not sure how old you are). The responsible choice is VTI and BRBK in my opinion.

Mysterious_Motor7859

YOLO VOO/VTI lol

SnoopDoug523

same exact s&p 500 ETFS, just different issuer SPY and VOO both track the S&P five hundred, but yeah, the main difference is the issuer. SPY is from State Street, and VOO is Vanguard’s version. SPY’s been around longer, uses a different structure—it’s a unit investment trust, not a mutual fund like VOO. VOO has lower fees, usually around zero point zero three percent versus SPY’s zero point zero nine percent. Also, SPY’s more liquid, better for day trading, while VOO’s cheaper for long-term holding.

JamesSt-Patrick

I’m so sick of seeing of seeing people dickriding Vanguard index funds and talking down to others as if knowing what VT/VTI/VOO is makes them a genius Vanguard index funds are like the most basic investment you can make. You’re not anything more than a spectator. It doesn’t make you a smart investor.

IDrinkSulfuricAcid

Doesn't KO underperform SPY by like 10% a year including dividends? Just buy VOO bro

Sea-Opportunity-2691

That is really great to hear and outlook for the 529 for me to open. What vanguard 529 did you choose was it just VOO or something else?

kiseki1107

VOO and VTI overlap with VTI holding 3000+ US companies and VOO holding only 500+ companies. If you want foreign exposure outside US, then VXUS is a good one. A dividend-focused one would be like SCHD. VGIT, BND, SGOV are all like investing in fixed income/bonds/HYSA so I would put a few percentage there for a safety net. Overall, if your goals are aggressive, I’d put like 50% in either just VOO or VTI. Split the remaining 50% among foreign exposure like VXUS, dividend exposure like SCHD, and fixed-income exposure like VGIT.

Various_Couple_764

The down side is: * Your investment can loose a lot of money in a bear market. * Some pear markes last for years. * These are mostly growth funds. They produce tiny dividends. * The only way to get income from these funds is to sell shares. IF the market drops when you sell you could loose money. The first goal off a young investor to to develop: * a retirment fund (401K, IRA , Roth) and maxyout the contributions you are allowed to depoist every year. * Build a HYSA or money maker account of 6 months of cash living expenses (the money you tyicpally spending 6 months. Not your earnings. * And max your any other tax deferred investment opportunity you have such as HSA. Now typically fund like VOO and VTI are excellent choice for a retirment fund. For HSA a dividend fund may be a good choice. After that you should develops a taxable brokerage account: * You can invest more than 6 months of money in growth index funds like VOO and VTI. to supplement your cash emergancy fund. Growth index funds grow very fast potentially giving you sever years of living expenses. But you have to sell these fund income. preferably you want o only well when you can make a profit on the sail. You do not want to sell at a loss. * IFyou have a Roth IRA you have $7500 per year expense for the yearly deposit. Sao start investing hi high dividend fund for income preferably one with a low tax on the dividends you recieve.. A good choice is QQQI with a 13% yield. and you pay no tax for about 6 years on the dividends you recieve. You can build this up to cover the Roth IRA deposits. * After the roth expenses are covered start buildin up a different dividend fund to press other monthly expenses such as utility bills, insurance bills, and possibly enough to cover the monthly mortgage cost. Try to limit each dividned fund to about 50K invested. And try to make sure each fund invests your money differently. Keep this up until all regular monthly expenses are covered by passive income from dividends. Dividneds are cash profit chaser payments made directly into your brokerage account from the funds you invest in. now it will take time to build up enough dividend income to cover monthly bills but once you have it the loss of income for any reason from work would not result ins bankruptcy and loosing your home. And once your dividend income exceeds your monthly expenses you can consider retiring or reducing the number of hours you work each week.

Brilliant-Escape2254

Cool. I just went with VOO. Thinking of putting a 1k on Mag7 for sport for my 2026 contribution. Max is a little more I believe this year but you get the gist. Thanks

sevalle13

If it was me this is how I would do it…many may disagree but you asked. 250k VT 50k AVGO 50K GOOG 50k SMH 50k SHLD 50k VOO/SCHX/whatever SP500 ETF you prefer

RealSoil3d

Stay the hell away from options, you have $500k freaking dollars, you don’t need that. If you want to chill, just put some into SPY or VOO and some into QQQ, and another huge sum into a HYSA so you can really chill

Complete-Paint529

Using assessment of risks and values in deciding allocation is not timing the market. Keeping substantial sums on the sidelines waiting for the right time to jump in is. Yes, the VOO is overvalued, and likely to give anemic returns for some time. So pick assets that are less overvalued.

Noir__Siren

I think now I prefer to invest in something "safer". So I was considering VOO or VT.

PraetorianFury

Some of these companies, such as the oil and tobacco companies, are not growth stocks. They are dividend aristocrats. This means you won't their stock price move much, especially over a single year. What they are intended for is returning increasing dividends year over year. If you're trying to compare this to something like VOO, or Amazon, etc, you'll be super disappointed unless you're willing to perform this experiment for like 15 years, through the next market correction. Then they will likely pull ahead. Look up dividend aristocrats and "CAGR" if you're curious. Over 30 years they outperform the larger market but I think you'll get bored before then.

AgentGorilla

VOOG has negative loadings on the value exposure about -0.34 according to portfoliovisualizer, while having a beta (or market exposure of about 1.06). VOO has a very slight negative value loading of -0.02, probably due to the big tech concentration, and a market exposure of 1.00. VOOG also has a less statistically significant negative momentum loading of -0.08. Longer term I would expect VOOG’s negative loadings to result in lower returns compared to VOO. This is despite the fact VOOG has a slightly higher beta. TLDR: VOO will probably outperform VOOG by maybe a 1% or something a year over the long term although that could obviously fluctuate a lot.

Worst-Eh-Sure

VTI is US index market cap weighted. So it’s mostly S&P500, especially the mega caps. VOO is only S&P500 and also market cap weighted. Your entire portfolio would be VERY heavily tilted to the US S&P500. You will have no exposure to international. That’s a good bit of risk. People forget at this point, but the global stock market is cyclical. What goes up, eventually comes down. Tomorrow? The day before you retire? After you die? No clue, but you have a lot of risk in the US performing well. If nothing else just go with VTI and skip VOO. At least this way you get some exposure to US mid and small caps.

LightForceUnlimited

Not much, they are both ETFs that track the S&P 500 just offered by different companies VOO from Vanguard and SPY from State Street Global Advisors. VOO will have an expanse ratio of 0.03% and SPY will have an expense ratio of 0.0945%.

Officer_DingusBingus

I’m relatively new to this, so I guess my understanding was that VOOG invested in the tech more heavily and was higher risk/reward scenario as tech has been growing so rapidly but could also face a large reversal more easily than a more varied S&P Portfolio. I made a good bit another stock that I believed in (tech as well) that jumped like 600% which I sold and then reinvested to VOOG over VOO because I understood it as having a higher potential for growth. I understand what you’re saying about the current overpricing, but are you saying that VOO would function more similarly to a under valued stock?

yad76

Keep in mind that the term "growth" in this context is essentially just a nice way of saying "overpriced" relative to PE (with "value" meaning "underpriced"). It does not mean that those stocks are expected to grow more in terms of stock price over time but that those companies need to grow profits just to justify their PE and current stock price. In fact, historically, value stocks have outperformed growth stocks by a wide margin, not surprisingly since that means buying underpriced stocks beats buying overpriced stocks, though, in recent times, growth has outperformed value due to the prominence of tech companies being "overpriced" relative to PE. I call this out because I am assuming your "heavy focus on growth" is in terms of your portfolio value and not because you have a general desire to hold overpriced stocks. Based on the history of the stock market, a "heavy focus on growth" would actually lead towards an overweighting of value stocks (e.g. VOOV) rather than growth/VOOG, even if VOOG has been winner lately. The questions of when/if the tech "bubble" will burst and when/if value stocks will regain their historical position of outperformance is something that has been talked about greatly going at least a decade or so back. No one knows. All that said, I personally keep the majority of my portfolio in VTI (similar to VOO but holds the total stock market) and then hold a percentage in VOOG as a means of overweighting tech. I also own a small number of individual tech companies as a further means of overweighting companies I specifically believe will outperform. I do not believe these overweightings in my portfolio will make sense over the long-long term i.e. I do not view VOOG as a viable "hold for life" ETF like I do VOO or VTI. I wish I had isolated these holdings in my tax advantaged accounts as now I find myself with very high capital gains in my taxable which vastly complicates figuring out how to take profits and pull back on this.

1EMurph1

What’s the difference between SPY and VOO then?