Reddit Posts
$5 Every Trading Day since April, Finally at 1 Share of VOO
What's been happening with the S&P 500 these past few days?
My trading regime (What is yours?)
Best investment strategy for self controlled 401K
If SpaceX merges with Tesla, what will the consequence be for the S&P 500 index, specifically VOO?
VFQY as an alternative to VOO's tech overweighting?
Portfolio Review: 3–5 Year Horizon, Moderate Risk
The "sell employee stock purchase plan" immediately strategy. This doesn't seem logical to me based on percentages
Anyone else considering increasingly moving to short term govt paper in their tax-free accounts?
I have 11k in stock and I am 20 years old. Where do I invest?
Investing $100 a day - what would you choose besides VOO?
Investing $100 a day - what would you choose besides VOO?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Once again S&P1 seems to be the best long term strategy over the S&P500
I have been DCA’ing into VOO since 2012 and now I’m rich.
VOO Performance Lately / General Investing Approach
After playing options, my net worth is currently 30$
Isn’t concentration actually proven to win over the long term? .
Any advice from experienced investors
At what point is qqqm better than voo for young investors?
What ETFs or Index funds are y’all thinking about bidding on? I really like VOO as a long term play for myself
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Mentions
SPY is up 11% YTD while USO is up 137%. Maybe we shouldn’t VOO and forget maybe we should USO and forget…..
Closer to $90k, since the portfolio itself went up too. I'm about 50:50 VOO:bonds in the account
But I have both essentially. I am long a mix of SPY (via VOO) and bonds (about 50:50 allocation), and then sell the puts on top. So it's not an either or question, I can do both in a portfolio margin account. You don't need to keep cash on the side to sell the puts.
You shouldn’t because it might go poorly. Don’t do what I did. I began investing in 2006. I fully funded my retirement accounts and deliberately chose aggressive funds. I then began dollar cost averaging into individual stocks. Stocks plural. I chose about 20-30 stocks that had been doing well and about 90% of the time they continued to make me money. Eventually when I changed jobs I rolled my retirement into an IRA and invested even more aggressively. I have interviewed a couple of financial advisers over the years who all told me I was too aggressively invested. Now here I am age 51. I have hit my retirement goals far too early. I’m eating more yearly through my investments than I can make as a physician. Don’t make the same mistakes I have. Just VOO and chill. It’s the only safe thing to do.
And you're sure it isn't AI generated or photoshopped? I'm just saying... that's like the dumbest thing I've ever heard. 20m can generate 2.5m PER YEAR in VOO. Any they are staring at screens and chatting with reddit bots instead of sailing the amafi coast? I'm out here desperately trying to get to like 1-3m so I can be free to live a pleb life without work. And honestly lately I just want to 4x 5k into 20k so I can pay off one of my two auto loans...
Dude just throw it all into VOO, you suck at picking stocks lol
No I got it and I guess one would expect SPMO to rotate out of tech if it undergoes a prolonged downturn related to AI volatility for example. It will get pummeled more than something like VOO or VTI that has some balance elsewhere, even though they are weighted extremely heavy in tech as well, but would be held up by their other holdings that are winning. I am about 10 years from retiring and do hold some cash equivalents in short term treasuries as well as some high quality dividend funds like SCHD and FDVV, both doing amazing this year. I do look at my portfolio frequently but do understand that it's a long game, and I have been playing it for 30+ years. All using index or quality dividend funds and never super risky funds or single stocks.
You lot are overthinking this. It doesn't have to be one or the other. Berkshire outperforms in a bear market and underperforms in a bull market. The way to think about BRK is as a put option on the broader market that costs you absolutely nothing to hold and will likely throw off 8-12% CAGR over a 5-10 year period. That’s an amazing holding to have in a well constructed portfolio. It’s high quality, tax efficient, defensive, and will likely compound around the market rate or slightly better with less fundamental risk. They have a floor that no other stock can claim to have because they can buy back shares with their cash pile. Traditionally during a correction, they fall with the rest of the market but not as deeply and they recover much faster. Sooner or later the music will stop and those who held defensive equities like BRK will be glad they did. At that juncture, it could make good sense to rotate all in on VOO while it's in correction territory.
i mean why not hold voo if you just want? might go down, might go up. If you can't stop yourself from panic selling VOO idk what to tell you
Do you really believe that when you look at the performance of VOO over the past 2 weeks vs Nasdaq?
I mean, what do you even buy, VT, VOO is not nasdaq, but its full of AI stuff as well?
VOO is still going down
I don’t think you understand that if the market crashes because of a bubble in one sector, other sectors will recover far more quickly. RSP significantly outperformed VOO and QQQ following the Dot Com bubble crash.
My portfolio looks like a crime scene right now but I threw a little extra into VOO and a couple beat up semi stocks this morning, nothing crazy The gap down Monday is almost a guarantee at this point but I’m not smart enough to time it so I just scale in when the panic gets thick like this
Took it as an opportunity to buy VOO
My biggest question, how do I get my bank account to transfer into VOO quickly? I feel like I wouldn't be able to get it over fast enough
The portfolio is in a mix of bonds & VOO, I don't hold cash (or rather very little). Those will have their own returns, which are not relevant when thinking about the performance of the put selling strategy. The above post is just the performance of the put selling, but since I don't hold cash, the `overall portfolio performance = (bonds return + VOO return + puts selling P&L)` The overall return for the portfolio is around 20%
I mean, either we enter an extended bear market or we don't lol Doesn't matter either way. Because during a bear market you can just DCA into your stocks, lower your cost basis, and 6-12 months later get a bump. Then if you're really feeling like a frightened chump you can sell off at break even and just go back to VOO lmao
SOXQ is up YTD 45% YTD while VOO is 11%. Unless you’re a crack head who bought simis during the peak in June you will be fine. Zoom out homie.
The equal-weight S&P 500 was up 0.73% today, outperforming VOO by 1.91%. I expect RSP to outperform the S&P 500 over the next several years as the obvious AI bubble fizzles out.
Umm... take half put it on VOO. The other half put it on prediction Bears -2.5 for tonight. Not a financial adviser and dont gamble.
SCHD$ Is the new VOO$
SCHD seems to mirror the losses of the s&p in 2020 and it recovered slower than RSP. It didn’t exist in 2000 or 2008. It shined in 2022 with a valuation-driven decline when compared to VOO. I’m not sure how it would fare in an AI collapse. It might do ok since only a couple chipmakers are part of their mix.
You buy VOO so you can ignore it and log in every couple years. If VOO tanks long term you won’t be worried about it because you’ll be dealing with much bigger problems, like hunger and war.
You can generally (or there has not yet been action taken against) sell VOO to buy SPY (different providers same index) and avoid the substantially identical rule. You’ll run into issues if you sell QQQ and buy QQQM (same provider same index). It’s a gray area.
IIRC, the recovery was even longer after the dot-com bubble burst. I'm in my 60s and remember these years well. I suspect that the demographics of reddit skews younger, hence all the posts assuming that returns will average 10% indefinitely and that VOO is "safe." I'm sure that most of the responses will be that they don't care and will just hold until recovery. Which is honestly the right attitude for a young demographic, and I hope they don't panic sell if/when we see another major crash. But you're 100% right, if you're in or near retirement, it's important to plan for downturns and long stagnant periods. History tells us that they can happen. Of course, this time is different. ;-)
What was the opportunity cost of not putting everything in an VOO at the beginning and leaving it there? How much time did you spend trading rather than pursuing a more fulfilling activity? To truly break even you need to revenge trade to make up for all that effort, time, and lost gains!
Wanting to get a solid portfolio setup for my ROTH and personal brokerage. 21yr. US. I can comfortably max out my ROTH. No employer match. I can also put some into a brokerage account, however it's currently in a HYSA. Whatever I don't put into my ROTH will be for a house. No rush. Would like to downpayment on a starter townhouse in about 5 years. Looking for lowrisk. I have my fun investing money set aside from when I have lighter months ;) Have VOO, SPY, and NVDA in a personal brokerage. Nothing in the roth that is meaningful. 25% of my paycheck is to monthly expenses, about 50% to retirement and investing. No loans, no debt. Just looking for a place to park my money in my ROTH tbh. I don't mind having my money sit in a HYSA, but I do want my retirement to compound sooner than later.
VOO all day, it snowballs for years while gambling degenerates lose it all…
Bro, at this point you should not be investing in individual stocks. VOO and chill.
The main difference is the tilts: VT covers global stocks, VOO adds extra weight to large US companies, and SCHD adds a dividend focus. VTI+VXUS gives you a simpler way to set the US/international split.
the whole point of VOO is you can delete this subreddit, log off, and go touch grass.
when was the last time VOO was below 700 lmao
markets have been weird lately, nothing new really. the daily swings feel dramatic when you're just starting out but 1.35% is basically a tuesday in equities land if you're in VOO for the long haul just zoom out and keep buying, the noise fades over time
To separate the move in your position from what drove the index, compare VOO’s percentage return with the S&P 500’s return over the same dates, then check whether the move was concentrated in a few large constituents or broad across sectors. The $13 change helps describe the personal impact, but by itself it can’t identify the market driver; a few sessions also aren’t enough to label a correction. Which dates are you looking at?
Why buy VOO when you can buy TLT? Its 1.5% today. Lmao fucking 20 year bond ETFs trading like meme stocks
most common suggestions I hear people say are: VOO, VT, SPYM, or VTI
VOO and chill has become SGOV and chill
Microwaving can break the pigment suspension and make weird lumps. I use a double boiler to melt, add in spices (sometimes sparkles to make it fun), pour in to a mold, and gently cool. That way you still get the satisfying crunch and texture without compromising on seasoning. YMMV though. My portfolio is 70% VOO with the next highest being GOOGL
Just dollar cost average into the VOO and don't look at it. If it drops 10% keep dollar cost averaging. Over time you will win. It doubles every 5 to 7 years typically. Where people get screwed is when it drops you stop putting money in or pull your money out. Don't touch it. Don't even look at it. I maybe look at my retirement accounts like 2x a year. Honestly that's the other thing. You really should put your money in tax advantaged accounts. Max out your IRAs. 401ks etc.
Meanwhile, VOO down 1 percent. Crash of the century right there.
i just woke up wtf is happening with VOO
Is this satire? Do you know what VT and VOO are?
I think point im just considering VOO and chill lmfao
Holding because you believe it'll bounce is where leveraged ETFs hurt people. The decay comes from the daily reset, so if the stock chops around for a while before it recovers, the ETF can sit below your cost even after the underlying gets back to where it started. Averaging down also adds more of the thing that compounds against you. At 30% of the portfolio, I'd pick the size you could live with losing half of, trim to that, and decide on the thesis separately. Having the other 70% in VOO is what makes this survivable.
I feel like such a baby in investing. Since my money is only in VOO i’m making like singular dollars per day
I’m new and currently only invested in VOO
put 100% on VOO/VXUS and stop trying to pretend you know anything about investing.
Jokes aside I’m new to this so there’s a lot i don’t understand. I have $320 in VOO and that’s it. Is there anything else i should be doing right now? Or just wait it out?
if u cant beat 14% this year just buy VOO
All my investments are in VOO so i’m barely making anything. I’m new to this and a little retarded can i have some help
Did anyone imply that was the only choice? Opportunity cost is looking at alternatives. I don’t think it’s unfair to say that instead of going all in on meta someone might instead just buy VOO. They could’ve bought Netflix and they’d be down 2%. Is that better? You could do one of the other mag 7 stocks - meta performing better than half of the others.
Say it with me: SOFTWARE is going to make bank and go parabolic, HARDWARE is going to lag. Stop asking about LRCX and AMAT. This happens every tech cycle. Even if hardware doesn't go down it'll never match the margins on software. There's a reason the big boys have been spending so much, it's time to reap the rewards. Get in now or forever be left behind. Software is the next sector to drag everything up. Sit in VOO and get your 10% or buy literally any big software name like META, GOOGL, even SNOW and stuff like that... easy bank to be made.
VOO and QQQ all day longterm. Something thee gambling addicts don’t understand
An equal-weighted S&P might be a decent option. A 30% downturn in NVDA would be a 2.4% hit to VOO and a 0.06% hit to RSP. Across the broader index, an AI bubble pop would likely bring down nearly half of VOO and around 20% of RSP. On the surface RSP might be a good compromise in the short term. However if the losses get wider, like 2007-09 or 2020, RSP earned -60% and -39% respectively, compared to VOO at -55% and -33.7%. Interestingly, RSP is outpacing VOO YTD.
No, trading should make me money that outpaces the market if I‘m doing it right, which I do. I make significantly more money than I would were I completely passive investing into VOO. I put my spoils in VTWAX. No risk no reward, don’t mistake a hedging strategy for a total investment strategy.
For the last 5 years Tesla has been losing to the SP500. VOO +83% TSLA +34%
Im too, in margin in ASTS, but I manage my margin. 50% of my portoflio is in VOO, 30% is in ASTS in margin and 20% in other stocks
VOO is carrying my port all my individual stock picks are garbage
watching from VOO gang land over here
It's always the ones who shout the loudest about not spending money on dumb shit, giving advice to other people and saying "VOO and chill", they're usually the worst type of gamblers just beneath the surface.
Probably should have just gone with VOO and chill.
Nothing she does is interesting other than that she has a lot of money to play with. She has severely underperformed the boarder tech index like VGT, and has just barely managed to match the lower performing S&P500 index. On a risk adjusted basis, however, her fund is even more of a joke. The Sharpe and Sortino ratios for example are terrible, her max and average drawdowns are more than double VGT or VOO, and the correlation to both is still high. Its not a real fund, its a meme and its astounding anyone cares what she does. You can play around with starting and ending dates and find periods where she got lucky following the trend, but so you can for a broken clock.
I have good news sir. If you put that $0.02 in VOO, you’ll be back to even in 142 years. Ah, the magic of compounding.
>It's funny because I know I should just buy VOO and a few other index funds, but I keep fucking up. >I just don't know how to move forward and rebuild from here Ok now read what you wrote out loud. I don't think "knowing how to move forward" is your problem.
All that could’ve been dumped into real estate or VOO But seems like retards don’t like to do that
Just buy VOO at this point hombre
Stop treating the market like a casino and you’ll never be in this kind of situation. Invest 99% in VOO, and use that 1% as your lotto. You kept losing? Sure use your gain from VOO and keep on going and hopefully one day you’ll learn option and leverage arent for everyone. Your monkey hand that can’t stop pressing sell the moment it goes -0.1 is not built to handle this!
stop listening to people who are hyping the latest thing. Look at actual research that says you can't time the market, and stop trying. Look at actual research that shows even wall street professionals who run funds are WORSE than just an S&P500 fund far more often than not. So boring things like VOO, SPMO, QQQ, etc. are nearly always better options (as long as you aren't a gambling addict). And one of the most underrated things--a HUGE asset is how long you've been in the market. Time is its own asset
WAT!? how does a company write off their own increasing net worth. you missread or missheard. you should buy VOO.
Opening my first ROth IRA should I put everything in VOO or SPY https://preview.redd.it/lqjt79pb9qwh1.jpeg?width=1170&format=pjpg&auto=webp&s=4d38c5c05373365d13509da5b87ad83f6d769666
I guess my entire portfolio (only positive is VOO rn) is stupid
If you want safe why not VOO?
You can always tell those who only buy VOO
1 billion and 2.25 billion darkpool inflows into VOO and IVV respectively after close today. Did big money get trapped with retail?
What would be an easy way to buy an ETF that is VOO minus TSLA_SPCX?
Some say VOO n chill, I started to like QQQ n chill
Over time, the best performing portfolios are literally just people who dump money into VOO and shit and forget they even have an account. A study conducted a few years back found that female investors on average had higher returns than men and when they looked into why they found that it was because the women forgot they had the account and made very few trades while the men moved the money around often and made shit plays.
Changed? Not really. But it is about to change radically because I kept with investments successfully. I probably skipped out on doing some things I could have afforded to do in hindsight, but overall I am ok with it. Once it gets to a certain point you know how to ride it -- there were some tense moments when things fell off a cliff, but if you are buying good companies and don't have to capitalize losses you can be very zen. Stay employed, don't get into leverage. I would argue that being able to cherry pick a few stocks and ride them is probably just about as risky as the VOO or whatever the boggle heads will have you think. Big solid companies are big and solid. Definitely would not have happened with the SPY, you need much bigger wins to get the step change in there. Then you might be able to VOO and chill.
your instinct is right, if every other account is 100% S&P then piling more VOO in here doesnt really diversify you. VOO and VTI overlap a ton too since the S&P is most of the total market by weight, so swapping one for the other wont change much. if you want actual diversification the easy add is international like VXUS, or a small cap fund. even 20 to 30% in those balances out four accounts that are all large cap US. on the income stuff, SVOL and JEPI/JEPQ sell options so they give up a lot of upside in big up years. in a Roth where everything grows tax free anyway that trade usually isnt worth it unless youre close to needing the income. SCHD is fine but its still mostly big US companies so it doesnt diversify you much either. also worth seeing if you can roll some of the old 401Ks into one place, four separate accounts is a pain to rebalance
Throw it all into VOO buddy. EVERY DOLLAR
Dump all your money in VOO and open a paper trading account. Unless you treat this shit like school and actually learn (not that bs you did in highschool, but really learn it) you won’t have any of the gains you want
Yeah just diversify into something like VOO
Gz, keep yourself to it. Wouldn't even necessarily withdraw it, just look if u can enter a long position on VOO or smth on a big red day
3-6 month emergency fund. VOO or VT or low cost broad market index fund of your choice with the rest. Contribute to your retirement regularly.
Take your candy ass to r/investing the people who push VOO have made this sub soft.
For someone with low risk tolerance, I’d first make sure they have an emergency fund covering a few months of expenses, ideally in a money market fund. The next question is when they’ll need the rest of the money. For short-term goals, I’d stick with safer options like money market funds or short-term Treasury bills. For money they won’t need for at least 5–10 years, I’d suggest considering a broad index ETF like the S&P 500 (VOO), rather than picking individual stocks. It’s well diversified, but it can still drop 30–50% during major market downturns, so they need to be comfortable with that possibility. Most importantly, I’d encourage your friend to understand the risks and make their own decisions rather than investing just because someone recommended it.
I think I’m done once I unwind all my positions. VOO and chill is better returns and less stress
>You can't buy "substantially identical" stocks or it would trigger a wash sale. So what do you buy? >>Hell its not even a wash sale to sell VOO and buy IVV even though they track the same index I thought this wasn't true and you need to buy something that tracks a different index.
This will outperform VOO easily.
If you’re long-term investing just choose a reputable broker instead of some shady offshore BS, Fidelity is fine. You only start needing more expansive/comprehensive broker platforms for more complicated forms of trading like scalping. Basically any S&P 500, NASDAQ, or broad market ETFs are good. Always have most of your portfolio in these types of vehicles; these are the retirement prep. If you wanna find the next NVDA use a small portion and be prepared to be wrong. Finding the next “big one” is called speculating. That’s a fancy word for guessing with your gut, which is unreliable. Dont try to pick single stocks, don’t try to time anything; just invest small amounts consistently (maybe with a small lump sum to get you started, ensuring you keep at ***least*** 6 months of emergency funds in that HYSA). In terms of saving for retirement, boring is better. Let compounding do the work for you. In the event of a big pullback during a recession or depression, don’t panic and sell; look at it as an opportunity to get more shares for less money. This is why as you get closer to retirement you diversify into fixed income assets because you won’t have the time to recover from drawdowns and protection of capital becomes the focus instead of growth. If you dump $10k into VOO and we get a 50% crash in two years, don’t think “I’m down $5k” but rather “I can triple my position for the same $10k and ride the next wave up.” Imagine this; VOO is @$700, you can get \~14 shares for $10k. Next year say it crashes to $350. You can now get 28 extra shares for the same $10k, and you have 42 shares total now. If it goes back to $700 your position is now worth $29,400. This is obviously a hypothetical scenario, just giving an example. That’s why I hate bailouts; it strips young investors of the opportunity to buy valuable assets for cheap because the old fucks want daddy to save them. Crashes are good; they bring ample opportunity for younger generations with less wealth accumulated to size up and build their portfolios for the next bull runs. Here’s some interesting comparisons from the bottom of ‘09 versus current valuations of well known companies: ***Apple (AAPL): \~$2.50 -> \~$340*** ***Microsoft (MSFT): \~$11 -> \~$530*** ***Amazon (AMZN): \~$3 -> \~$262*** ***Walmart (WMT): \~$13 -> \~$119*** ***Oracle (ORCL): \~$7 -> \~$129*** These crashes suck absolute ballsack for someone 3 years from retirement who didn’t shift to capital protection like my asshole of a grandpa (he truly is an asshole); but for those young guns out there these types of opportunities don’t just provide solid returns, they provide life changing opportunities. The ‘08 crash scares the shit out of my parents and they went fixed income for the last 18 years when really they should have doubled down given they both *still* work (and will for a few more years) so they had ample time to ride out a recovery in the event of a subsequent downturn. Now they both spend every other day going over their retirement numbers, pensions, etc. because they stuck themselves with 2-3% earnings for almost two decades and grew almost nothing. I wish I had the knowledge then that I have now because they’d be rolling in dough, but alas I was a little tyke back then worried about what pizza we were having on Friday. My mom had one pension that was stuck on the market and she couldn’t change it to fixed rate; that one pension has done 150% over the last \~20 years, meanwhile their fixed rates haven’t even really touched 1/3 of that. When you see and feel financial struggle firsthand it gives you a drive to learn like you wouldn’t believe. Just keep learning and keep diving. Asking questions means you’re in the right direction. Best of luck to you.
VOO and VXUS are good and don’t require much thought. Just keep contributing when you can. I wouldn’t mess with BND in your 20s.
Where is the 7% written down? People repeat it like it's a term of the account. VOO and VXUS can go flat for a decade and that number doesn't change. Also BND in a portfolio this young mostly just slows it down, but that's a separate argument.
Fidelity is fine but it’s hard to read for a beginner. Robinhood is criticized for complex reasons and is easy to use. It shows you better graphs and makes things easier than any other app. As long as you don’t mind it trying to sell you Robinhood gold. Dividends are good, but the rule of thumb is: dividends always underperform the market. If you’re going to put the money right back into the market, why use dividends? Generally dividend stocks are for people with a family or retired people who will spend the cash payouts on stuff they need, in lieu of watching number go up faster. Don’t invest money in stocks you might need in the next 5 years. If you invest and 2008 happens tomorrow, we’ll look like idiots for suggesting it. Step 1: max your 401k match if works offers it Step 2: keep six months of expenses in an emergency fund. HYSA is good. Bond funds are also good because they don’t go down in a crash. I keep mine in SGOV which pays 3.8% Step 3: put the money you’re saving into VOO or VT. The other funds you listed are fine. Step 4: Turn brain off. Seriously. The more you know, the more you think you know. The more you think you know, the more likely you are to make changes. Changes lose money. Patience makes money. Nobody knows what will happen next year. But I do know that the 7% average return will pan out by 2037
Just buy qqq and VOO and forget your losses. You’ll make it all back before retirement
Biggest position is VOO, but not by choice… Mr Market crashed my RKLB by 50 percent to make that happen lmao 🤌
The S&P valuation right now is not bubbly, and even if they end up being bubbly who cares if you’re not selling? I haven’t sold a single share in over 30 years. (I actually own VTI, not VOO but they’re basically the same thing).
You're setting yourself up for failure. You can safely tell him about MM accounts or SGOV (as an alternative to a HYS account) but beyond that I wouldn't make too many recommendations. If he's a close friend you can mention that he should look into INDEX funds like VOO or SPY. High level, if anything goes wrong he's going to blame you. Who needs that?
You could literally have put it all into VOO and made money. Wallstreetbets is fun when people post their daring options trades, this is just plain dumpster investing.