VOO

One_Opportunity9167

SPY, VOO and IVV are all SP500 Index ETFs. There are also many mutual funds. If you don't want to own SpaceX stock, don't buy funds that own it. That sounds flippant, I guess. But the two managed funds I listed (plus MANY more) own stocks based on fundamentals that SpaceX won't meet, at least for a while. Some index funds will be obligated to buy a stock because that stock is part of the index they follow, but the SP500 Index won't include SpaceX for a while. Same for other IPOs, questionable or not. I put a little more detail here: [https://www.reddit.com/r/investingforbeginners/comments/1u34pqx/comment/or3qorj/?context=3](https://www.reddit.com/r/investingforbeginners/comments/1u34pqx/comment/or3qorj/?context=3)

zxc123zxc123

OP is gets extra "crayon eater" points because they bought ADBU and ADBE options yet still blames ADBE for his own personal gambling failures. They would have been fine if they just stayed in VOO or even MSFT/META rather than trying to gamble on knife catching Adobe. For OP: ***"THINK! OP, THINK!"*** People USED to say "It's shopped" now they just say "It's AI"

bmitchell1876

I bought $3k of SPCX $162 and sold at $172 — too stressful 😂 going back to VOO -ETF logic Had to play today though

redditissocoolyoyo

Kinda agree with you OP. I saw it at 150, it moved up s bit over 173 now. Wasn't worth the headache If you can't buy a huge amount. Not many have 270k to gamble. I'll just VOO.

thewimsey

> "VOO and chill" is mostly an online amateur theory, among younger people who don't remember 2000-2010. nearly all professionals in finance and investing recommend a more diversified portfolio. I've been VOO'ing and Chilling since 1997. I remember 2000-2010 very well. >nearly all professionals in finance and investing recommend a more diversified portfolio. Yes, in retrospect. >and last year, international value beat VOO by 20% or more (17% for VOO vs. 46% for IVLU, 40% for FNDE, 43% for FIVLX) True. But it's beyond stupid to look at one year and think that it is meangingful. Over the past 10 years, VOO has returned an annualized 16%; IVLU an annualized 11%.

Real_Passenger4282

Hey, props for starting at 18 — that compound interest head start is going to be huge. A few thoughts: On the broker question: Robinhood is fine honestly, especially with the 3% Roth IRA match. Fidelity and Schwab are the other popular picks — better research tools, more reliable customer service, and no PFOF concerns. But don't overthink the broker part, it matters way less than what you actually buy. On your strategy: You said growth + dividends and "a bit risky" — those kind of pull in different directions, so here's how I'd think about it at 20: * Roth IRA → max this out first ($7k/year). Since you won't touch it for decades, go heavy on growth here (VOO, QQQ, or individual growth stocks). The beauty of a Roth is you'll never pay taxes on the gains. * Individual account → this is where dividend stocks make more sense. Build a portfolio of solid dividend payers (think SCHD for an ETF, or individual names like O, KO, JNJ, ABBV if you want to pick stocks). Reinvest every dividend while you're young — the snowball effect is real. For learning: * "The Intelligent Investor" by Benjamin Graham (the classic) * On YouTube: Joseph Carlson has great content on dividend portfolio building, very practical * r/dividends is a solid sub for that specific strategy One thing that really helped me stay motivated was actually tracking my dividend income month by month. seeing that number go up every quarter keeps you disciplined when the market dips. You're asking the right questions at the right age. Just stay consistent and don't chase meme stocks with your core portfolio. Good luck!

Sufficient_Habit5091

SPMO and chill: +43% YoY, 28% YTD VOO and chill: +22% YoY, 8% YTD 😂

An_Actual_AI

People constantly spam VOO and chill all over reddit. They do that because it's hard to beat.

Pleasant_Swim9921

Can you explain? your mad because i had chatgpt give me the best optimal sp500 eft vs what a wall street big wig option that probably won’t out preform VOO. 

morganrbvn

Just buy VOO and VT when you can, ignore the market.

harrison_wintergreen

the arguments against large cap growth are: - historically, large cap growth one of the worst performing market sectors over the very long term. value tends to perform better, more pronounced with small and mid cap stocks, while growth strategies tend to perform worst. see here: https://indexingonsteroids.com/smallcap-value-charts and here: https://institutional.fidelity.com/app/literature/view?itemCode=9920885&renditionType=PDF - *growth stock* doesn't mean the stock price will grow faster/better than other stocks. it means the company's revenue or profits are growing faster than peers. sometimes these stocks perform well, other times they won't. - Investing performance is cyclical, based in large part on valuations like CAPE ratios. What performs well the last decade often performs poorly in the next decade, because hot stocks get pushed up to where you're paying too much relative to the company's earnings, dividends, etc. I'm old enough to remember when the S&P 500 went flat from 2000 to 2012-13, and almost everything else performed better: small cap US, international, bonds. so I experienced a period of large growth underperformance. see here: https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png or here: https://www.financialsamurai.com/wp-content/uploads/2016/11/long-term-bonds-versus-stock-market.jpg - "VOO and chill" is mostly an online amateur theory, among younger people who don't remember 2000-2010. nearly all professionals in finance and investing recommend a more diversified portfolio. early 2023, Rob Arnott from Research Affiliates was promoting international value stocks https://www.youtube.com/watch?v=YzZuwe0IPEE and last year, international value beat VOO by 20% or more (17% for VOO vs. 46% for IVLU, 40% for FNDE, 43% for FIVLX)

igobyplane_com

analysis paralysis, market timing, etc. costing you too much. you can just "be dumb" and every week have a recurring investment into VOO and chill and come out perfectly fine/probably beat most people. just being dumb and disciplined. am i still trying to chase higher returns? yeah lol. but this simple disciplined method - at least for core holdings, is going to beat too much analysis or fear and taking no actions. an expensive lesson all of us eventually teach ourselves, because we were probably too foolish to listen to anyone else pointing it out.

East_East44

I mean that’s the best, can still have a small allocation of individual. VOO or VT if you want international too

HungryHashMastr

My second largest holding behind NVDA and both my sons custodian accounts is 50% Hood 50% VOO.

EL_ProfessionalHater

Mate at this point instead of focusing on trades simply minding your business would've been more profitable... Everyone tells you about VOO You didn't invest in it for 3 years+ What's stopping you to do it NOW?...

Mindless_Ad5500

S&P stuck to their guns and have not changed their rules. You have to prove it to be in VOO. The 500 is only for money making machines. If those companies prove it then I don’t care if they are in VOO. Now, there are many other funds and ETFs that will Be exposed. Buyer beware.

DeAndre_ROY_Ayton

I thank you for your service and other soldiers reminding me to never touch options. Anyways I just do VOO best of luck!

matchew566

[https://www.composer.trade/etf-comparisons/VOO-QQQ](https://www.composer.trade/etf-comparisons/VOO-QQQ) btw

Chuque

That 1/3 in VOO is scared money

Lower_Skin_3683

VOO and leave it alone

Informal_Bench_7219

If you had just invested that 13k in VOO 3 years & 7 months ago it be worth 24.5k.

SmokeSignalsMacro

Technology is like 34% of VOO I’m not sure I’d call it safely diversified

KittyLover-7

You can thank me btw for space proxy plays dying Mooning in overnight, the moment I buy, it starts shitting the bed, tale old as time, might buy VOO so everything just pops

Manwithaview1277

The market will continue its upward momentum because there is so much cash inflow into equities. And where else are you going to invest? Real estate? Too expensive and no liquidity. CDs? Lucky to beat inflation. Pokémon cards? I don’t have the skill or risk tolerance to chase speculative stocks so I just put my investments into VOO and VXUS (70/30). Still have exposure to mega caps but take the timing out of the equation. Let’s see where we are in 10 years.

__redruM

https://www.composer.trade/etf-comparisons/VOO-QQQ It’s a higher risk/reward index fund and through this tech boom, it really shows that reward.

Halbaras

The best argument against it is that by buying it you are making an assumption that the next decade will look similar to the previous one. US tech large caps have had a historically long winning streak, and are now sitting at extremely high valuations relative to the wider US market, their own history, and the rest of the world. There are many years of earnings already 'priced in', and they need stellar earnings growth to continue outperforming, while a lot could go wrong if and when there's a rate hikes cycle or economic slowdown. Anyone holding VWRP or VOO has unintentionally made a significant bet on tech, and has what would have previously been considered a concentration risk via the megacaps. Buying a large cap growth ETF means that you're doubling down on buying highly correlated assets that will fall together and fall hard if there's a real correction. If you need to withdraw cash, that's not great. It also means you don't have any safer assets you can sell and rebalance into the tech when it inevitably gets beaten down. Markets are great at deciding what does well under the current macro regime, but less good at identifying who the winners in five years will be when the world has changed. Tech has benefited from a long period of near-zero rates, which had more to do with deflationary Asian productivity gains than many in the US care to admit. In a world where it's harder to borrow money, multiples will ultimately compress, and speculative tech stocks will not perform as well. The bond market in particular is expressing a collective view that rates will be higher for longer over the next decade, and the advantage of holding a speculative long term 'growth' stock over a long duration bond has shrunk significantly.

Etherius

There is no argument against. No coherent one anyway. People who just spout “VOO and chill” have either a fundamental misunderstanding of what the S&P *is* or think the American economy is infallible Truth is there are numerous ways to successfully invest. I was told my portfolio was poor practice because I have a lot of leverage and almost all my holdings are tech related But I absolutely crush the S&P every year. Sometimes by as much as 500 bps. Don’t let people tell you you’re wrong. Unless you’re taking on leveraged risk you can’t afford without understanding what you’re doing? As long as you have a plan? You’re doing it right

u_spawnTrapd

Honestly, if you already enjoy digging through financials, learning fundamental analysis is probably a much better use of your "fun money" than trying to day trade forex. One thing I'd keep in mind is that healthcare and AI aren't investment theses by themselves. There are great businesses and terrible businesses in both. The interesting part is figuring out whether the market is pricing them reasonably relative to their cash flows, growth prospects, and risks. Also, with your career trajectory, your biggest financial lever over the next decade is likely going to be your physician income, not whether a side account beats the market by a few percent. That makes it easier to treat stock picking as a hobby that might outperform, rather than something you need to outperform. Nothing wrong with keeping the core in VOO and using a small allocation to learn by analyzing individual companies. That seems a lot more durable than chasing forex signals.

Aevaris_

Depends on the index you use. The S&P itself, no, not until 1 year or 4 profitable quarters. VTI and VT, yes, it will be included. VOO will not include it.

JohnnyFartmacher

VTI is indexed to the CRSP US Total Maket Index. CRSP specifically changed their free float rule to enable SpaceX to be given the 5-day fast track status. VOO is indexed to the S&P 500 which did not bend their rules for SpaceX. If you want to completely avoid SpaceX (for now at least), VTI isn't for you. QQQ bent over the most, adding a 3x float multiplier which gives SpaceX 3x the weighting it would have otherwise had due to their low float. CRSP did not add a float multiplier

Maxh_SCGA

Check if VOO premium is cheaper

DanTaude599

the setup is solid. fwiw the VOO/VTI overlap in multiple accounts is a common thing to overthink. the allocation is fine. the part I'd revisit is only doing minimum 401k for match -- at your income you're probably in the 22-24% bracket, and every dollar going to Roth instead of a traditional 401k is a dollar taxed now rather than later. depends on your situation but worth running the numbers.

Virtual_Secretary_98

Guys I'm not having fun investing because I'm 90% VOO. Any tips?

panconquesofrito

Sold my entire stake in VTI and bought VOO in preparation.

TheGOATDegen

Buy VOO instead. Or cash out and buy physical gold. NFA

WittyMotor6797

Did I mess up by choosing VTI/VXUS over VOO/VXUS? Ive been investing 60/40% VTI/VXUS and 100% VTWAX in my brokerage and Roth IRA over the past 4 years, but have seen that VOO has had higher returns over the past 5 years compared to VTI. As someone that’s young (26), this makes me feel like I missed out on a lot of returns early on. Should I move my Roth IRA to VOO? Should I sell VTI/VXUS in my brokerage and buy VOO?

MagicalTissue

Going to watch bagholders stock up on SPCX. But looking at MU and VOO changes in response to SPCX IPO day

Environmental_Leg_55

I say you put everything in spaxx and wait for the fall because it’s happening in 2026, that is for certain. worst case you miss out on 7-10% return… things are not normal right now, use your gut. Dollar cost averaging into an index has most often been the right idea but its all about to drop, we see the signs, just get 4% from SPAXX and wait until the markets fall by 30% and then go heavy on VOO or SPY.

Peebs1000

Investing in VOO doesn't give you "experience over the years"... At least in the context of this post

Working-Message4504

Not in SPY/VOO for a while. QQQ maybe sooner

zachmoe

Get a brokerage account with like schwab or robinhood or something Then buy assets with money. An okay novice portfolio I like is to just buy the few things investors watch and is something like 50% TFLO (FRNs because the risk in Bonds is interest rates going up) 33% VOO (The S&P500) 15% Gold (however you want really physical, iau/gld ETFs, leasing) 2% ibit (Bitcoin ETF)

Hopeful-Internal-919

Of course no guarantees. And yes VOO is not for the year.

Asbelsp

Any educated investor would not expect any firm to guarantee returns so no, they would not lose reputation. They all have a disclaimer about risk and loss for a reason. Again, even VOO is not guaranteed to be up next year so how can any other list of companies be? If you don't need that money tho, than it just depends on your risk tolerance.

RayU_AZ

I maintain a watchlist of about 20-25 stocks which I like to buy more. I usually wait until the specific stock has a dip in price and get a good entry point. Swap out my lowest price momentum stock for the better stock. I use a stock screener to sort out the stocks based on fundamentals, PE ratio, earning growth, 20 day moving price and price momentum. I currently own about 20 stocks and 5 ETFs, You can get more diversity by adding ETFs investment outside the VOO and also focus on specific sectors for higher returns with some additional risk. You can expand your ETF mix beyond VOO to get a higher return with some more risk. The stocks that I currently own have had a recent high run up in price and I'm at the point of cashing out of some of the stocks to capture profit before market down-turn. **Take a look at theses ETfs with 3 year total returns:** 1. SOXX- 3 year total return 2611%- semi-conductors 2. AIS- 1 year total return 101% -Ai stocks 3. QQQM-3 year total return 102%- Nasdaq index fund 4. VXUS 3 year total return 51% International stocks outside USA 5. EEM 3 year total return 69% Emerging Markets outside USA Good luck.

Asbelsp

That is relatively short term and no guarantee what happens in that time. Do your own due diligence. Don't just grab a list from anywhere for such a short period. Last year any firm had thought msft was safe. Honestly, even VOO is not safe for that time period and no good advice would tell you to invest there if you need that money in that time period. That is put it in a HYSA time period.

jmardoxie

Isn’t FXAIX a mutual fund and not an ETF like VOO.

based_sturgis

>I'm relatively new to trading and investing. welcome to the party. >Most of my money is in VOO for the long-term, as it should be. >but I have around 20k that I'd like to invest in stocks expected to go up this year. great idea. >I was wondering if there was some kind of list by renowned investment firms that make suggestions? if they knew with any degree of certainty, they certainly wouldn't share that information. >I understand this specific year is dominated by the news of the war on Iran and by the technology sector, but there might still be promising stocks, so I'd like to invest in \~10 of those. do your own research. absolutely nobody knows what the future will hold, anyone who claims to is either guessing, or lying in order to separate you from you money. with all that being said, if you are thinking about stepping out of index funds and into single name investments, i'd recommend you read Beating the Street by the legendary Peter Lynch. it's well worth your time. once you've finished reading that, you should read A Random Walk down Wall Street by the equally legendary Burton Malkiel. these two books have relatively opposite philosophies, i'd encourage you to read both!

JusticeIsHere2024

S&P500 which is VOO, QQQ etc...do not have to buy SpaceX, not at least for the first 12 months so don't sell anything just yet, do your research people so it doesn't cost you to sell.

Competitive_Ride

UPRO:VOO 40:60 and rebalance at 20% drift from target allocation

tang-tw

For your brokerage, you can choose IBKR (Interactive Brokers), which excellently serves international clients. For ETFs, you can opt for VT for global market exposure, invest in VOO, or give priority to SPYM. Like VOO, SPYM tracks the S&P 500 but features a lower share price and a cheaper management fee. Alternatively, you can enable UK stock trading on IBKR to buy London-listed ETFs. For instance, VWRA tracks the global market, and VUAA tracks the S&P 500. Both are accumulating ETFs—meaning they don't pay out dividends but automatically reinvest them to maximize the compounding effect. This approach saves you a significant amount in taxes. For one, the dividend withholding tax sent to the US government is reduced to just 15%. Furthermore, because these ETFs are domiciled in Ireland, they are exempt from US estate tax. To put that into perspective, the US only grants a $60,000 estate tax exemption to non-US citizens. Anything over $60,000 is hit with a massive 40% tax. For example, on a $1 million portfolio, the US government would take $400,000, leaving your family with only $600,000. On top of that, your home country might levy its own estate tax depending on your local tax laws. Therefore, investing in Irish-domiciled ETFs is your best bet. However, keep in mind that IBKR is virtually the only US brokerage available to foreigners that allows access to the UK market. Other US brokers only let you buy US-listed stocks, leaving you vulnerable to the 30% US dividend tax and the 40% estate tax.

ReportEcstatic155

Honestly you're gonna need to do a lot more research on your own before throwing money at anything. Nobody here can tell you where to put your money without knowing your risk tolerance, goals, timeline, etc. Start with broad index funds like VOO or VTI if you want something simple for long term.

SnS2500

Sell it all in the IRA for sure, then look at the tax lots of what you hold in the investment account and sell anything breakeven or losing that doesn't trigger a wash sale. Then put what you get in VOO or whatever you want. In the future look for any opportunities where it makes sense to sell some or all the remaining SPYI.

Phuffu

I’d sell SPYI in your IRA and buy VOO and some VXUS or another international fund. I’d avoid realizing gains in your taxable account, if possible. Just put new contributions towards the vanguard ETFs

AlfB63

No taxes in the IRA so yes in that. In taxable, it depends on how much gains.  If the gains in the taxable are too much, you could use income to buy VOO.  

AlfB63

VOO

Moreburrtitos22

Start from square one of putting xx% of your paycheck in reoccurring investments every week for like VOO so it never even touches your pocket. After a year you should have enough ammo to start firing from the hip to gamble decently with. $5k is an easy number to hit. Realistically it’s just taking $50 every week and putting it not into your pocket for two years. $25/week will take 4 years, $100 will take 1 year. That’s not even investing, that’s just basic saving which is better than most of the regards in here do.

drbigtoe

Im going VOO until we have some stability again. Fuck this retard shit and fuck this orange monstrocity. Voting democrat down ballot for the rest of my life.

tacspar

I own VOO, and I understand that it won't directly affect my fund for a couple of quarters but wondering about indirect exposure to the ipo through flight of capital from major tech ect.. Will the SpaceX ipo impact my portfolio (basically all VOO), and if so how?

Ill-Program-2713

Interesting u had to come back and gloat lol. Says a lot about your ego. Anyways 3M isn't much to brag on, i made a bit more than that from VOO this year

sdrockr

I have VOO and was somewhat worried.. glad they didn't fast track it into the S&P

__redruM

It compounds over time, and adds up, the 1y on VOO is 22% currently. And while stocks can drop and stay down for years, index funds spread the risk and recover with the rest of the market. Split your account between a VOO/QQQ allotment, and then “trade” the rest, see which wins long term.

NegativeHunt2344

Buy and hold VOO breakeven in 3 years!

TheRealArmament

Just buy VOO and chill

Vorapp

if you sell NVDIA today, you can use all loss to net your capital gain, so instead of paying tax on $160k, you'd pay tax on let's say $120 (assuming you lost $40k on NVDIA). Then you purchase VOO/SPY and keep enjoying the life. P.S. Need to purchase VOO 32 days after you sold it, of course

Ok_Soft2599

All these people spamming VGT, VOO etc with no context so listen for a second. I was in your same position in high school. I researched and invested in Broadcom before they hit their first 1k . They are split and trade for thousands now. I put the other 20% of my funds in VOO and VGT. The popular s&p 500 you speak of to me is overrated. They have a high expense ration and at like 5k a share it’s not where the moneys at at this point in your life. VOO tracks this ETF, same results, with way less risk, and at nearly 700$ a share, you can get way more return LONG TERM than anything. VGT tracks blue chip starts mainly, also diversified in that sector. There is technically more risk, but it always pops back. It has made me triple what VOO has made. But there are expenses. So definitely go into both. And if you want something extra that’s really low risk, go for some silver or gold. Because of the currency economy changes, gold is coming down a bit now, but always climbs in the long term with quite a low risk. I’ve gone from 2k-32k in 2 years. Im 22 years old (: feel free to message me if you need anything

Status_Reputation586

So don’t buy VOO or VTSAX? lol

stonksf

Lmfao the plunge to 819k def had me worried but I locked in and took on concentrated bets on high beta stocks sold the pump today and will either buy VOO QQQM or wait for a market wide pull back we will see I am young so can handle the moves

theduderino38

Buying thousands of shares in LPs has been the single worst financial decision in my life lol - oh if I only put it on VOO and MU….

Airizom

Guys I discovered a hack. If you invest 100% of your money in VOO your anxiety instantly goes away, even if you use margin! Its a crazy hack

Intelligent-Log191

You paid a massive tuition, but the fact that you turned off margin and bought VOO means you actually took the final, hardest step. The numbness is real, but the bleeding has stopped. You proved you can build discipline by turning off the casino. Forgive yourself for the tuition cost, delete the options app, and just let VOO do the boring work while you get your life back.

Ready_Scratch_1902

btc came down from his park ave penthouse to go buy drugs in the hood and got lost that's all this is. the VOO ghetto.

GolfLiftPlayPool

As far as I can tell FXAIX is a great ETF...its like VOO for half the price

JuicyAssReddit

You guys are all genuinely insane. Saying it will rip or crash or panicking over one week of this or that. VOO is up 20% in the last year. 6% ytd even with a rough start to the year. Average yearly returns are 10%!! It goes up and it goes down just relax.

Ass-Pounder-4000

Would have beaten her just buying VOO in that 10 years

Dazzling_Marzipan474

Just sell it and buy back VOO. It's like 10% NVDIA anyway lol

Domethegoon

Should have left it in VOO. I'm taking a bet on the US economy as a whole rather than a single company any day of the week. Plus NVDA is already a top holding in VOO so you already had a lot of exposure. Next time, play it safe and smart and it won't keep you up at night.

sonofalando

Of course the day I get out of bonds and go into VOO after 2 years 🥭 decides he loves inflation 🤡

gosumage

Trading like this, you have better odds at a roulette table. You will lose it all guaranteed. Quit trading, buy a couple risky names you like, buy VOO, and hold.

GeneralSavings9373

I used to trade a good bit last year but was out of the market until a few days ago. My main goal for investing at the moment is short-term growth thats somewhat stable. VOO - 25% DXJ - 19% VLUE - 17% XBI - 17% FSLR - 8% DG - 7% FNV - 7%

MeanLocalFriends

First, you said it all in your op. Down is good!  95% of your savings should be boggle head style. VT and chill. VTI or VOO or fine too. Whatever it hardly matters.   DCA.  Own some real estate  Allocation: /10? 80/20? 70/30? Up to you and how far along you are. Then have a 5% account to feed the degen goblin WSB style.  I dont regret any of it. Have fun and enjoy the process.  

lizardkingg

$640k portfolio... absolutely no reason to stress. Most of us would love to be in your shoes (financially). If you are really THAT concerned, then lower your NVDA holdings... Keep enough cash to pay your taxes in a high yield savings or money market fund. Buy VOO & QQQ with the rest. Then, stop watching it and enjoy your ~10% yearly gains. The hard part is over, you are at the easy part! Just lower your risk...

scmr2

VOO is basically all AI right now too

Toohotz

I’ll give my perspective, whose portfolio is heavily weighted in NVDA also, just with a very different cost basis of the $12x range due to buying overtime since 2017. I won’t repeat what many said about your cost basis as we are in a bit of a pullback. What you do need to start doing is holding through until things stabilize a bit. I sell CCs on NVDA and I won’t deny that premium isn’t great due to the downwards trend so yes it can generate some money for you, it can also run against you if it isn’t well timed. The macro situation of the world unfortunately isn’t helping at the moment. The good news is that you have shares and not calls. If you’re able to, start doing the boring re-investing into VOO and let it build again. As someone who bleeds the unrealized on NVDA daily, there’s beauty in diversifying because things are great when the market is bullish, rotation assets can be challenging. Just try to hold out and you should be fine eventually.

FoundInForests

Pull out, invest in VOO and you’ll be a millionaire in a year or two

AliExpress7

This is going to 500 B (0.5T for the regards) In that time frame. Better sell your QQQ and move to VOO

Necessary_Blood_390

Start with some VOO 30 ~60% as the base of your investment portfolio and pick some of the stock you think would do good and some cash

GoudaBenHur

You do realizing you’re buying at the top? I’m not saying it’s a bad move. But like, maybe keep a good amount of that VOO and use like 20-30 percent on higher growth stocks.

Candid-Ninja-9527

Everyone on reddit is a dick with sarcastic replies, as if they were never once new investors, so I'll try to give you a straight answer. This happens. Markets go up and down. Microsoft is a great company. It's not going anywhere. Chances are in 5 years, it'll be much higher than it is today. Problem is, you need to be able to stomach the ups and downs. If you can't, just buy an index fund like VOO. But, if I were you, I would hold this position, and start building a new position in something like VOO and not look at or touch MSFT for 5 years. If you can't, then just sell, cut your loses, and take the $4000 loss as a hard lesson learned that single stock investing isnt for you.

spilledonwhite

I spent the last 2 weeks of May dialing back my risk and forging a bullet proof port, predicting a pullback in June. Almost all ETF bullshit. Cash reserves to buy the dip on VOO/QQQM/SPMO whatever. June 1 it didn't happen, kept pumping. I figured it would just keeping going up forever, that I could time my exit if it is a bubble. Peak FOMO. Went back into high risk AI hype shit on fucking June 2, I shit you not. Top regard.

fitalwaysandforever

Lol, there are plenty of people here doing better than me or who at least have a much healthier work life balance. For me, what’s in the stock market is basically everything. I’ve been a workaholic my entire life and, at 30, I honestly feel like I don’t and haven’t had a life outside of working. The portfolio wasn’t built overnight either. It came from investing every spare dollar I could and a mix of having the patience to hold things like VOO, NVIDIA, and AMD for years + getting lucky with them at the time. These days I’m not able to save, and inflation doesn’t exactly help. So after sacrificing so much of my time and energy for years, it’s really tough not to feel discouraged watching my portfolio drop. 😭

sonofalando

I warned you guys a few days ago I rotated from bonds to VOO. It was over the moment I sold those puts for all of you. I am the black 🦢

Kqzxh-900355

AVLV etf for a well balanced companies. You get tech, industrials, finance, healthcare without the bloat unlike VOO.

Stylux

I would "fix it" by buying VOO.

spilledonwhite

Nasdaq down 7% in 6 trading days... a lot of individual stocks (especially the ones peddled here) are down 20% or more. Not everyone full ports VOO man... watching 10-30% evaporate in a week is tough to handle for some people. But yeah I hear you... I also think high beta drops hard first. When SPY gets to -10% or -15% I don't know how much more some of the high volatility underlyings can fall. The staples and megacaps will drag it the next leg down (I hope).

fitalwaysandforever

I’ve actually always known I had a lower risk tolerance. But after watching NVDA go up for years and only investing relatively small amounts since 2020, I consistently hated myself for not being more of a risk taker. Got stuck on the could’ve should’ve. I acted emotionally. To make things worse my $216.16 average is only because of my early NVDA purchases. The reality is that I bought most of my current position at the all time high around $236 after selling VOO. I got hit with massive FOMO and let my emotions take over. The conviction was real, but I convinced myself that $230 was basically the new low and that I wasn’t taking enough risk to reach my goals 😭.

Airizom

VOO and QQQ are officially meme stocks

SheepOnDaStreet

Swapped out of VOO for I buy NVDA at it’s peak is solid trade, you’ll be fine

Astronaut100

The good news is that you now know your risk tolerance. If a concentrated bet in NVDA is giving you sleepless nights, you never truly had conviction to begin with. You have two options now: (a) wait for NVDA to beat VOO by enough that it covers your taxes and then buy back VOO or (b) eat the loss and buy back VOO right away. Stay diversified for your own sake in the future. If it makes you feel better, most investors go through this phase at least once. It’s a learning experience.

NoMore_stu

Paper trade your options on like Robinhood .. park your money in VOO and lose imaginary money for starters

Neuromancer2112

FXAIX is transferable - it's the Zero fund version (FNILX) that wouldn't be transferable. Roth IRA is better for mutual funds specifically (FXAIX), because if they distribute capital gains (nothing recent, but it could happen in the future), then that's a taxable event in a taxable account. ETFs are more tax efficient to put into taxable. I have FXAIX in my Roth and work retirement accounts, VOO in taxable.