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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
This is the way.. Vanguard account, Roth, VOO and some retirement. Never look at it. Robinhood I trade like a mad for fun.
Have you considered you could potentially lose everything like you almost did before and maybe just VOO and chill up 120x
Its free money that you would not have otherwise. Just get VOO/VTI/Goog at least and let it ride for 10-15 years and enjoy the free money from that. Save 3k or something from the free money and invest that into what you like. Just let the other 12k do their work and dont touch it when you blow the 3k.
Not sure why you find index funds uninteresting. I bought VOO at the depths of the 2008-2009 recession. I'm up nearly 9x and fully diversified.
Under 50% actually, most target date funds have substantial international equities which is the largest difference. Vanguard do 60/40 US/International in equities. There is a bond allocation, small in the late-date funds, but still 8-10%. Then, 12% of the US equities are outside the S&P500. Used by a bit more than that but the US market has got more concentrated. Vanguard Target Retirement 2070 Fund, which is the furthest out they have, works out 48.3% the S&P500. Anything closer in date it will only get lower due to the bond glide path. So they are meaningfully different. Target dates will be closer to VT rather VTI or VOO when they are far enough out they have a small bond allocation. Coincidentally, their US/International allocation is similar at the moment, VT is 63/37. But the Vanguard target weight funds specifically do 60/40 (they moved to this from 70/30 in the last decade), while VT the allocation floats by market weight.
Is there a genuine good reason bogleheads go for a *500* company index? Aren't you seriously wasting the bulk of your capital? 50 companies is surely plenty of diversification without dunking 0.2% of your capital into nonsense companies. It just doesn't even pass the smell test. 500?! wtf is that...it literally doesn't make any sense. VOO and chill? Wtf? Why not just buy the top 20ish companies manually.
[VSVNX Vanguard Target Retirement 2070 Fund](https://investor.vanguard.com/investment-products/mutual-funds/profile/vsvnx) (45 years) is their furthest in the future. It's: 54.90% Vanguard Total Stock Market Index Fund Institutional Plus Shares 37.20% Vanguard Total International Stock Index Fund 5.50% Vanguard Total Bond Market II Index Fund 9 2.40% Vanguard Total International Bond II Index Fund Vanguard Total Stock Market is the US exposure, this is the same fund as VTI. VOO (S&P500) is 88% of VTI. So 48.3% of the longest-term target date fund is the S&P500. The largest difference is the inclusion of international equities, they do 60/40 US/International on the equity side. Then there is 92/8 stocks/bonds.
Curious if anyone sells their holdings and puts them in to defensive. Or do you keep your mix and play defensive with your regular contributions. For instance, I have a ton in VOO. Would people sell that and then reinvest defensive, or just adjust contributions?
It doesn't really matter much, mostly all the same. Lots of people go with VOO or whatever their specific broker offers. We have Roth IRAs and a brokerage account with Vanguard, I went with VTSAX.
Why didnt you just buy VOO shares
Yup. It’s just theirs. I like theirs. But I like others also. And when I want to set an auto for a stock I like, I can’t do that on vanguard. People would be just fine VOO and chill, and you can do that on vanguard. But if I reco a place, I reco Fidelity. They just have too good an offering for the self directed investor. Fractionals on everything. Good UI. Good auto money market. What more could you want?
I heard the market might move to being 24/7. Will this have an effect on the VOO and chill strategy?
Right now I’m holding 14 individual company stocks, but that doesn’t include my VOO, QQQ and SPY investments. I also try not to buy anything that has a large position in ETFs like MSFT, Apple, Nvidia or other large percentage stocks held in those ETFs. There are duplicates, but they are small positions in the actual ETFs.
You’re fine. Most of your cash is in VOO/QQQ, so the few tech stocks are just extra bets. Too many is when you can’t keep track, not at 6–7.
DCA over the course of 1 yr into VOO
You're not shorting the market but considering you are waiting to buy VOO with cash, you are essentially long USD/VOO. For the record, do I feel like we are going to see a flat next few years in SPY? Yes. But I am also <40 y/o so I'm in and DCA'ing every 15 days
Pretty bad advice, tbh. I own all 5, and my GOOG, MSFT, and NVDA positions all *easily* clear my VOO and QQQ positions. ETFs are still a nice anchor, but acting as if it's worthless to own individual equities if they're already included in an ETF is wack advice lol.
You can get identical funds to VOO in Europe like VUSA and VUAA. Identical
Saw your performance before deleting it. I've taken very little risks and have outperformed the market. Investing doesn't have to be complicated, but making moves like you're doing is unsustainable for 99% of people. 70% VOO 20% VGT 10% Individual stocks (google was my top performer) https://i.imgur.com/DqYI8QD.png
I can't buy VOO in Europe. the similar etf for europeans is up 5% ytd since dollar is shitting its pants
I have way too many and in the end VT and chill or VOO and chill is likely the best strategy. More is not better, although it looks nice if you have something that’s up 70% like SLV
if you own VOO and QQQ not so much need for more Google and Microsoft and NVDIA.
But for my case, I'm not shorting the market. My point was just that staying out of SPY, aka proxy for NVDA, aka an AI index, I could potentially avoid a 30%+ crash, and that's not just my opinion, but the opinion of many. Now, this doesn't mean hold treasuries until the market goes down a certain %, because that would just be silly. My conclusion was to just hedge QQQ- I mean NVDA- I mean VOO with other assets until the bubble risk calms a bit.
Honestly, because I can remember VOO, VTI, etc. but have to look up the random combination of letters making up the Fidelity equivalents every time.
What do you mean? I’ve just been buying VOO and am up quite a bit this year
Not all plans scale. I would rather someone VOO and chill as hard as possible than mentally contort themselves into A: not investing enough B: never increasing their rate of investment because it would trigger the entire useless exercise all over again. Non diversified portfolios isn’t the boogie man in the room. Not investing auto enough and panic selling is. You want to use fancy terms like uncompensated risk: hire a pro who is paid to manage those tolerances. I have yet to review anyone’s account that made these claims that held up to scrutiny. And with all that nonsense: they still would have been better off with VOO and chill (historical performance shows them under the benchmark after all that effort). But to each their own. Best of luck.
This is exactly my strategy. 26 y/o, been 50% VOO 50% QQQM for the last two years and will be the plan going forward for at least the next 5-10 years. I will reallocate more into VOO (likely some VTI) with age, and trim QQQM as market conditions change
I’m never using margin or options ever again. VOO / cash from here on out
dca. if you got $10,000 buy $1,000 worth - each day till new years. you will be happy in 2026. (at least thats what i am doing) hope it works. if not - oh well i guess i be a VOO bag holder. LOL
It depends.. Sectors shift all the time. S&P500 allows you to just target the largest companies across the US market. If you define single stocks, you're stuck watching... If you want to blindly invest and make $, you go the ETF route. If you want to constantly watch over and review.. you throw individuals in there. Actually, I'm not even the biggest fan of S&P500.. As interest rates decrease you many time have a run up in tech, small cap etc.. Go look at the annual returns for VOO vs. QQQ. I'm a wayyyy bigger fan of QQQ.
I buy 300 bucks a week of VOO. In about 18-22 years I should be able to hit 500k. You could try that if you have the time?
Not the right place. Any S&P fund isn't bubble proof right now because the biggest bubble right now is also filled with 5/6 biggest market cap stocks in the world. What you're looking for is VTV, VYM, or SCHD. When the bubble pops 100% VOO.
I swear, just let me break even and I’ll fullport SGOV. Even VOO is too risky now
>Continuously improving my portfolio helps me better adapt to these shifts. actually - alot of studies and common knowledge says - if you buy quality companies at fair prices or wide market ETFs like VTI or VOO and just hold them for a really long time - you will far out perform trying to "continuously improve your portfolio"
Gambling. That $500k would've been $1.5m in 10 years if you left it all in VOO.
All you had to do was buy VT or VOO and do nothing forever, silly
About your age and did something similar. About 80% VOO/VTI and kept the other 20% in a target fund. Although I think it’s better at 100% S&P given the young age tbh
I don’t. I just VOO and chill or hold strong with my individual stocks because I have conviction
VOO better bounce back man
Ever heard of “VOO and Chill”
Zoom out at the last 1 year, 3 years, 5 years MSFT stock has a habit of going up and then dropping for a while and then later going up even higher. You didn't lose money because you didn't sell. Just sit and wait. Nothing in life is guaranteed but that is a pretty safe bet, long term. VOO can also drop. Look at where it was in December 2021 and what happened to it in 2022. If you had invested in VOO in December 2021 you would be in the red until December 2023. But by 2025 you would have those sweet sweet gains. If you don't want to babysit your portfolio, just dollar cost average with monthly automatic contributions to VT. And don't put your emergency fund into stocks. Have 6 months of expenses in something boring and safe like a money market ETF or a high yield savings account. That money won't grow much but it also won't drop.
Everything I have is in my Roth and work 401Ks. No individuals in my brokerage. My Roth is VOO+QQQM and our 401ks are heavy S&P500, with some international, small cap, and bonds/stable.
This is the last place you should be getting advice. 99% of the people on here are idiots. I only come here to review plays that paid off as they like to brag. $VOO is the way to go, put it in and forget about it for 40 years.
Stop gambling and start investing NOW. Take that money and put it into VOO/VTI, set up auto deposits, and don't look at it again until it's tax time.
VUG is a cheaper VONG (and basically does the same thing, 84% overlap) I think CIBR and SHLF are unnecessary, but if you wanna tilt, do 10% each. Same with IBIT. I'd take the 20% leftover and do International fund, like VXUS. So my recommendation to you would be: 50% VUG (or VOO) 20% VXUS 10% CIBR 10% SHLD 10% IBIT
Stop gambling ~~with money you can't afford to lose.~~ If you had invested that $512,488 on February 17th in VOO you would have $574,318.29. While not as glamorous or exciting, you'd still be up $61,830.29, which is more than most people's annual salary.
Stop gambling \~\~with money you can't afford to lose\~\~ . If you had invested that $512,488 on February 17th in VOO you would have $574,318.29. While not as glamorous or exciting, you'd still be up $61,830.29, which is more than most people's annual salary.
Stop gambling ~with money you can't afford to lose~ . If you had invested that $512,488 on February 17th in VOO you would have $574,318.29. While not has glamorous or exciting you'd still be up $61,830.29, which is more than most people's annual salary.
Bro why wouldn’t you just put like half of it in VOO and you’d be fine
Why hold a losing stock when it can be moved to another security like VOO?
Can’t go wrong with that. But you are missing a huge section of the market with just the s&p. At your age the mid and small caps will grow a lot by your retirement. If you’re going with something like VOO, you should also have a satellite position in VXF.
401k- set to lowest sp500 fund, contribute as much as you can- don’t panic sell. Roth- QQQM, maybe some bluechips you like, don’t panic sell. HSA- sp500 lowest cost fund. Save your receipts, pay them later in life. Yup, you guessed it- don’t panic sell. 529- lowest cost sp500, teach you kids to buy VOO automatically and weekly with some % of their income no matter what- teach them not to panic sell. Definition of panic sell: selling assets for any reason other than having an urgent expense to pay for.
> International lagged behind for a long time but this year was obviously different. Trailing12M: 27%vs13% world vs US. I hold both VOO and a worldexUS etf. The reason is I don’t like my funds be overlapping they screw the weights. Also I don’t like how the world market cap is weighted now with US like 60-70% while historically is closer to 45%-50% I use 2 ETFs to reweight it down to 35%US and 60%World since end of 2024. This certainly worked well for me this year.
Hi there I'm finally done picking single stocks and looking to invest in a few ETFs instead. I'm 26yo and planning not to touch the money the next 20 years. Currently, this is what i came up with: 1. 50% VONG 2. 20% CIBR 3. 20% SHLD 4. 10% IBIT Am I overcomplicating things and should just 100% VOO or is this approach reasonable considering a higher risk-tolerance and wanting to invest in growth. Thanks for giving your opinion :)
Just switch to the lowest internal cost sp500 fund. Then work to increase. Learn as you go. It’s not a big deal. Target date is ok’ish. But it’s just easier to VOO and chill. You should be doing it with your normal money too. Open a Fidelity account and buy whatever you can afford of VO on auto weekly basis. Only sell when you have something urgent to pay for. That’s it. That’s all personal finance is. Best of luck!!
Yea, you’re on the right track. Just go VTI. VOO is good too. Just pick one and deploy.
Apple, Microsoft, VTI, and VOO. 2 Tech and 2 Index. And buy every month and hold long term
VTI Is my core. I have VXF as a satellite. Simply cause VTI is so heavy in the s&p that I wanted mid, small cap exposure more. Then I have VXUS for the foreign markets. If you have VOO and VTI already I would compare the capital gains on them before dumping anything.
VOO and Mag 7 are bubbles in themselves, so that wasn't smart either. It was herd-behaviour at best, blind capital allocation in reality.
You have a gambling addiction. I have a friend who does this as a day job, and I'm too shook to follow his trades, despite his success rate being like 94%. Then you have others who just yolo away their savings, Reddit can't help you. Once you have yourself sorted, I suggest just buying VOO or VT.
I would argue automated investing plans are a good way to keep scratching the itch and potentially set them up for retirement. 50% QQQM, 20% VOO, 10% SMH, 10% IXUS, 10% GLDM. Keep current funds in money market cash, have it automatically fully invest with 3 years via weekly fractional buys and reinvest dividends.
Cash out, keep it all in money market fund. Then setup an AUTOMATED weekly investment (fidelity vanguard they all have it) that fully invests all the money within 3 years (54 weeks times 3x). Put it into 50% QQQM, 20% VOO, 10% SMH, 10% IXUS, 10% GLDM Log in daily or weekly and watch the gains (or losses) via automated investing. You're in the market but not. If you want to make a change modify the automated investing plan. It'll limit you mostly to ETFs anyway. At the end of the 3rd year have the automated plan pull out weekly from your savings and continue investing. This will scratch the itch that you're in the market while lowering your risk and probably result in you having several mil by retirement. You've done good. Take a break and let the money compound now automatically.
1. VOO is basically flat YoY but that's because of the recent slowdown. A week ago it'd be up. 2. You seem to be using short term options. Don't, there's a reason they are cheap, and there are too many fluctuations and variables in the near term that can fuck things up. LEAPs should be the only options you buy.
Why didnt u just VOO and go to sleep man
People underestimate the power of compounding esp when the market is doing 20-30% a year multiple years. Some guy on here posted a while back that he turned $50k into $1.5m in 10 years by just holding VOO and VGT and a couple of other ETFs. And compared to this options madness it’s almost a sure bet. OP buy “the simple path to wealth” by JL CollIns on amazon. DCA and forget it as others have said. Leverage is poison.
If you just held VOO you’d be up $23K
Ya know, I went in on VOO back in August after reviewing it, and its still up less than 2% in 4 months.
I'm convinced. Just put $20K into VOO. Good luck selling your dead company.
I'm convinced. Just put $20K into VOO.
You actually lost 10% VOO annual return . by buying and doing nothing
You are the kind of guy most suitable for VOO and chill. You selected a different route. Very unfortunate
Wait for OKLO to get back down to $20-30 within the next 2-3 years depending on how fast they get their COLA. Just replace all those risk with RKLB, thank me in a year. Large cap just go mainly Google, then Amazon, then Nvidia, Then Microsoft and Broadcom. Depending on how much money you have go 50-70% VOO. This is not financial advice 😂
VOO and hold would have put you at about $185k with the dividends.
I don't know how people don't at least build up a large position in low cost ETFs like VOO or IVV **before** doing stupid plays. Get compound growth working for you as the slow and steady backup plan first, I mean, why does it have to be all or nothing? 95% into ETFs like a good boy, and 5% into absolutely stupid 0DTEs in the off chance you bet right.
I invested in VOO for over 25 years, retired at age 49, and still all in VOO with some QQQM
just buy VOO and diamond hand that shit. work for a long time and keep buying it. if you're tempted to do anything else, don't. 33 is still plenty of time to fix this.
You need to rid your mind of the notion that you will be able to get back to where you were before. It’s not going to happen. The money is gone and there isn’t any sequence of good idea that will change that. I would STRONGLY recommend closing your Robinhood account permanently and opening a Vanguard account instead to remove the temptation do trade options or day trade. You should never trade another options contract as long as you live. If you do want to invest then you should buy 1 share of VOO once per week. You should never sell for any reason until you retire. If you can’t hold onto the share for at least 10 years you shouldn’t buy it. Investing shouldn’t be exciting. It’s supposed to be boring and predictable. Until you can summon the discipline to restrain yourself I would step away from all forms of trading for a while.
if you can earn $500k by 33 years old, you'll be fine. You prob lost about 5 years of future savings. Seriously, automate your savings into VTI/VOO and walk away. Go hit up your favorite buffet tomorrow and just be glad you're not in debt like 50% of the US and still better off than 75% of the world.
Set up auto contributions from your paycheck. Put it all in VOO and delete the app for 10 years.
My man, at some point you had to realize you were bad at this right? RT seek some addiction treatment. If you saved 300k by 33, then keep hustling and just buy VOO. You'll be rich someday.
I buy $50 of VOO every week.
Put the rest in VTI/VOO and forget your password
So when there is a self directed account and it is fully invested (no idle cash), what money would the broker make? They used to at least make commissions. Now it is endless phone calls from clients that generally have no business managing their own money. Most calls are password resets, or to ask super basic things that if they can’t answer or look up themselves, should just hire a pro. They offer those accounts in order to have advisors try to sell them on paid for services. There is some value in the auto money market. They make money that idle cash also, but not much. They would make way more if it was true idle cash they could lend to banks overnight (the whole reason Schwab went zero commission to begin with). But basically the reporting and auditing necessary for offering self directed accounts is crazy high. The record keeping. The staff you need to answer the phones. I used to work in those call centers. Tons of waste. The benefit is having people to call and take a swing at selling services. That’s why they offer it at all. But vanguard makes the same with someone buying VOO at Fidelity, just that Fidelity takes the phone calls and handles the audits and 1099’s and endless silly complaints.
Mid-40s, I would not play trying to structure or make strategy with only $100K. The rule is: Just keep it simple. Invest in ETF like VOO to capture the market performance, maybe VONG if you want to add a bit of growth and finally minimum international with VXUS if you want to diversify. Maybe 50%, 30%, 20%. When you reach $1M, do the same and add tax loss harvesting, and a bit of private equity, and get an advisor for few years.
Only if you cash out all your VOO and buy hamburgers
It is simple but also not simple. For practical purposes, we say the market is random. This works most of the time and is generally the best way to operate. However, there are indicators, not just some silly technical analysis, that can be used to predict recessions and large market downturns, as well as fair value pricing. This doesn't help for short-term market prediction, but if the AI bubble does burst, it could be 5+ years until the market bounces back. Let's look at Reddit investors' favorite two people, Michael Burry and Warren Buffett. Burry is straight-up shorting the market, and Buffet (Berkshire Hathaway) is holding massive cash reserves. Obviously, in Buffett's case, that isn't exactly comparable to retail investors, but still. I guess my mistake was the title of this thread. Everyone is beating me down with the hammer of "lump sum is better" despite my acknowledgement of that at the beginning of my post. Nobody is really talking about my concerns about the current market. It's clear that many commentators didn't even read my post by asking questions that are already answered in my post. But still, as I said in another reply, I do think mostly lump summing in will be the way to go. And if not into VOO, then some less bubbly ETFs in the meantime.
VOO is not leveraged, it simply tracks the S&P 500, it is a low expense ratio fund and will perform exactly inline with the index. This is the most classic buy and hold forever you can get.
And what would you have had if you just put it in VOO
I bought VOO and forgot about it. I’m up 14%
Yes sometimes it hits a bubble pop. For example, in 2000, the dot com bubble popped, and VFIAX (the same fund which VOO is a share class of) dropped. It will likely split at some point eventually. Interestingly, in 2013, it did a reverse split, but has not yet done a forward split. The main sources of VOO rising are (a) inflation, (b) corporate value creation and reinvestment (like when you take a lemon, some water, and sugar and sell them as lemonade for more than it cost to make), and (c) falling discount rate (rising valuation multiple). In addition to that, VOO distributes dividends which are part of investor returns but doesn't grow the share price. Over the long term discount rates cannot fall forever, so (a) and (b) dominate, but in the short to intermediate term they can be very impactful in the bull and bear market cycles.
Not me. I use to be an index only guy. Got bored during COVID. It was just too obvious to not buy the biggest dips. I sold VOO and went like 70% in on VBK (small cap) because they took a bigger hit. IIRC it gained more than VOO as well. Then I bought VDE (Energy) dip. Then I bought AMC meme just for fun, only $500 worth unfortunately. Then I sold VBK in 2021 for NVDA, PLTR, COST, AXP, MSFT. Imagine if I had listened to Reddit advice...
Same. It was just too obvious to not buy the biggest dips. I sold VOO and went like 70% in on VBK (small cap) because they took a bigger hit. IIRC it gained more than VOO as well. Then I bought VDE (Energy) dip. Then I bought AMC meme just for fun, only $500 worth unfortunately. Then I sold VBK in 2021 for NVDA, PLTR, COST, AXP, MSFT Imagine if I had listened to Reddit advice...