Reddit Posts
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
When I put $5 on a stock I win , put $50 in I lose almost every time.
Revenge traded a NFLX loss into a $700,000 MSFT profit 💰
I wish I never invested into LUNR and NASA. been waiting for a few weeks to sell, but ofcouse dip keeps dipping....
Best Way to Diversify Brokerage vs Roth IRA?
Selling $DRAM (up 13% today), evaluating alternatives.
Chasing the memory stock rally ruined my portfolio. Now I don’t know if my new portfolio will save me or make things worse
22, Nervous about Risks / ETF vs Individual Stocks
I backtested 44 Robinhood IPO Access deals. Why buying and holding is a trap and the hypothetical strategy that beat VOO
Top ways to invest in innovative companies through ETFs? High risk appetite
going all in on “small satellites”
Uncertainty with my portfolio, should I reallocate, trim, hold?
38M Canadian with Defined Benefit Pension: Looking for Honest Criticism of My LongTerm Investment Plan
Trying to ACTUALLY understand what is happening with memory stocks; not asking for predictions
Are there stocks with 6%+ dividends that still keep pace on IRR overall with equity ETFs (12%+)?
Thoughts on auto-callable basket type instruments with downside protection?
19-year-old college student looking to invest for the long term. What would you buy in 2026?
21, recently married. Any advice for a new-ish investor like myself?
Build an ETF portfolio that could survive a crash
What do you tell people that are too scared to move out of cash?
A warning on how a stock hobby can progress
I am in digital marketing, and I just went full port into Google.
Retiring at 32! 23 year old saves 50% of income in nyc.
I invested in the market today
Liquidated all positions: Sitting on $1.2M cash for a 2026 macro restart. How would you deploy this for the next decade?
I have currently sold all my stocks and have $1.2 million in cash on hand. I would like to purchase a new batch of stocks to hold for the lo
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
ELI5: Why would an ETF like VOO or SPY outperform the S&P500, if even for a single day?
Never seen VOO down so much more than the sp500, didn’t even know this was possible
Would it be crazy to sell my NVIDIA shares (60) to buy into the DRAM ETF?
Is there any reason to invest in VOO rather than VOOG?
Need some advice on how to diversify and invest with a tight budget
Too much of my portfolio is from RSUs - how would you diversify?
I can't beat the market. I won't ever beat the market. After years I realize that now. It's VOO for me.
In 2023 Robinhood killed the chart that compared your portfolio to any stock you want, and called it "temporary." It's 2026.
If you were to invest $5000 today what would you suggest?
What actually causes swings in stock prices?
AI is disruptive. Individual companies have never been more volatile. What’s the argument to not just buy indexes?
What about VYM? That seems pretty immune to the shenanigans of the tech bros. You can't fake dividends.
I don't want ETFs, I want to invest in stocks.
What’s the best way to start a new portfolio. 24yo
If you’re young, increase risk until you are 100% you’ll hit your goal!
Mentions
VOO is more diversified than QQQ and has lesser expense ratio, its for folks how are in long term, QQQ is for traders that dont mind risk for the extra upside.
Just to be clear for some folks. VOO is over weighted big time. 10 companies make up 40% of the index. It use to be more diversified. I’m not saying it’s a bad investment for someone young and is thinking decades ahead but it isn’t “diversified” in the sense it once was.
**Ranking by 10-year Sharpe ratio:** **SMH** (2.45) **VOO** (1.38) **VGT** (1.33) **QQQ** (1.11)
QQQ is manly tech stocks VOO has much wider diversification. Also, it's popular. There's probably better SP500 indexes with lower expense ratios I've honestly seen a lot more people recommend VT lately
Look at the M2 Money Supply. As long as they keep printing money VOO will keep going up.
VOO has outperformed me by 3.5% last 6 months.
Not exactly subset. VOO tracks SP500 vs QQQ tracks NASDAQ100
Every year we are at all times highs. VOO just has a long track record of reliable growth. You won't get rich overnight but you will slowly grow your investments.
The honest answer is that telling people to buy VOO is almost all upside when it comes to sentiment and upvotes. If you recommend an individual stock, people can attack it from multiple angles. They'll point to a competitor, argue it's overvalued, question its earnings potential, or simply say they don't like the company or its CEO. None of that really happens when you recommend an index fund or ETF.
VOO is more diversified and less volatile. QQQ isn't always more profitable, check out how it performed from 2000 to 2016
I'm more QNDX and chill now.. |**Metric**|**VOO(Vanguard S&P 500)**|**QQQ(Invesco QQQ)**|**QNDX(SPDR Portfolio Nasdaq 100)**| |:-|:-|:-|:-| |**Expense Ratio**|**0.03%**|**0.20%**|**0.10%**| |**1-Year Return** *(Trailing)*|\~23.6%|\~22.3%|\~22.4% *(Index Benchmark)*| |**5-Year Return** *(Annualized)*|\~13.5%|\~14.2%|\~14.4% *(Index Benchmark)*| |**10-Year Return** *(Annualized)*|\~15.5%|\~20.4%|\~20.5% *(Index Benchmark)*|
For people in their 20's and 30's are they just supposed to bet that VOO will always go up? We are at ATH's how do the newer generations know they are not buying the top
VOO is more stable than QQQ. It is gonna be hard to chill when the AI crash finally shows up and wipes away 2 years of QQQ gains.
VOO and chill because I see so many posts about people talking about crashes and bear markets, but Voo is up 10% year-to-day and is a safe long term buy and forget. For most people, this option is infinitely smarter than hand-picking stocks or trying to day trade.
QQQ is a much smaller subset of VOO and is dominated by tech. Tech is much more volatile
just use VTI/VOO and dont bother about any of this nonsense.
Not quite. What you are looking for is let’s say you own VTI. That’s a total market fund. Let’s say it drops 10% and you want to tax loss harvest. You would sell VTI and buy a fund like VOO at the same time. While they are highly correlated, they are not tracking the same index so it is generally agreed this would not trigger a wash sale. Your performance would be fairly similar, but you would now have a taxable loss to carry for any future gains.
>The higher multiple is the part I don't really get. Are investors just betting Apple figures out AI eventually? A lot of rotation has gone into "safety" plays, to the point SCHD 12m trailing was beating both SP500 and NAS100. Just in the past few days or so NAS100 has taken back the lead. KO had been trading at similar or higher multiples than AMZN GOOGL MSFT NVDA. I sold a portion of my AAPL when it ran up (maybe $335-ish so didn't quite hit the top), as I think it's overvalued relative to others, in same way I sold some SCHD for VOO and QQQM. A company shouldn't be rewarded for not making CAPEX spend, it does nothing material to the bottom line. Also, it makes sense for AMZN GOOGL MSFT to invest heavy into AI as they are hyperscalers - CPU dominated compute is now becoming CPU + GPU. But AAPL has no business here.
I rebalanced last week after consolidating all my IRAs and one Roth. FWIW, both times when the transfer of assets happened, there was a dip in the market because of the Iran war and the assets were sold right before the small dip (we are talking like 4% S&P 500) and I just bought in on the dip and prices came back up and are even hire today (could go down tomorrow or next week or next month, no one knows) Ended up rebalancing: 45% Total US stock Market 25% Total International 15% Small Cap Value 15% Bond index fund. (I might lower this to 10% since I have way too much cash on hand and in t-bills in my brokerage). The reason why I rebalanced now though is because I received an inheritance and also I'm heavy MAG 7 in my brokerage account via META, MSFT, APPL plus index funds (VTI and QQQ and VOO (I know I know, they hold the same shit basically) and I can't rebalance without tax implications. Depending on how old you are and when you need the money, if you are a decade away or more from needing the money, then you are spending more mental energy sitting on the sidelines with that 25%. 25% on the sidelines is not going to move the needle IMO so you might as well rebalance now, and not have to worry about all the shit going on in the world. The whole purpose of asset allocation and diversifying is to help you get on with your life.
Similar here... my taxable yolo is mooning and I want to rotate into a defensive industrial I like but that one is non-stop mooning at all time high. My retirements I'm trying to trim momentum for VOO but momentum is still lagging and VOO is mooning. Can't decide if I should cut losses and buy VOO at all time high or keeping hoping for more risk-on rotation. Nothing looks like an obvious move. Don't want calls or puts.
You are going to get a lot of grief from people who are here to validate their membership in *The Church of VOO and Chill*. There are many ways to approach passive index investing that are alternatives to using the traditional market cap indexes. It is not a sin to take such a path, and you are not a heretic to pulling some money off the table while you rework your financial plan. In my own case, last August I changed from simple market cap indexes to fundamental indexes. And that has worked out very well. It helps to be agnostic when it comes to investing.
I'll keep my options open, but with 12-15% growth every year on VOO, I would only do it for fun.
VOO, but alternatively NOT chilling.
Showing up here out of habit but I'm VOO and chillin.
My investing rules: \* DCA $$$ bi-weekly (3x DCA into VOO on a 10% pullback from 52-week high or into individual equities on a 20% pullback from 52-week high until back within 20% of 52-week high) \* Up 50% ➡️ Trim 10% \* Up 100% ➡️ Trim 20% \* Up 150% ➡️ Trim 30% (then cycle resets to up 50% ➡️ Trim 10%)
Sell all your VOO! Wait for the drop and buy back. 😁
better a) be having a $1M+ port or b) be 60+ years old if just sitting VOO
VOO gang feeling like absolute gigachads rn. Sleeping easy. Enjoying our summer. Back to new ATH’s everyday.
I already explained how he did... taxes on VOO would leave you with 525M by about now, and he has 350M. If you have 525M dollars, you would not have spent 175M of it over decades? That's a "lol, lmao" even from me
I already explained how he did... taxes on VOO would leave you with 525M by about now, and he has 350M. If you have 525M dollars, you would not have spent 175M of it over decades? That's a "lol, lmao" even from me
SCHD is more defensive than VOO, it gives a more dividend, but generally grows slower in the long run. Still, in a downturn it falls less, and re-investing the dividends aids in the growth over time.
This might even help one degenerate then it’s worth it - there’s literally no point for 99% of us to NOT just VOO and chill
Just invest in a S&P500 ETF like VOO or SPY. Set and forget it. Embrace compounding
There is no argument against GOOG except that you shouldn't have more than 10% into it. Maybe a little more if you are more than 50% into a broad index like SPY or VOO or RSP.
Oh that's unfortunate. I think that would depend on what its historical performance is vs. let's say just VOO. It's probably not as good, especially this year. You'd have to balance out the income tax savings each year vs underperforming by X% a year. If X is small enough then it may make sense to max the 401(k) but if X is big enough, it'd make more sense to out that money in a taxable account. Tough one.
Oh, are you saying if he VOO and chilled after making his fortune? Makes sense.
Right now I divide my investing money into 10% gold, 15% crypto, 20% VOO & QQQ, then 55% stocks I've chose, I've gotten lucky on some like OKLO, Intel, AMD, etc, they've gone up a lot. At the beginning I just wanted to at least get started and exposed to it, I really don't want to study stocks and markets all day so I just diversified like 99% of investors say if you don't want to be risky. Now that I'm here I'm starting to switch things up for the better yk?
If he ended up roughly the same as VOO and he influences others to do what he did, then he didn't really have a more negative impact than suggesting VOO
Not really, he has 3.5x that much, VOO was 7x, but that's if you completely ignore 1) taxes existing, and 2) Ever using your money to spend on anything which is kind of important for enjoying it and there being any reason in having it
QQQ, VOO, SPY +2% by morning. I NEEEED this
He most definitely would have had plenty money if he had done that. Even BEFORE his jackpot during the housing win. He was already managing $600 million before doing the bet on housing. Those 600 million under management would be $6.4b today. With a substantial amount of his own. It’s really stupid to underestimate “VOO and chill” moving into the future. But it’s even more stupjd to do it retrospectively.
He took home like $100million from the big short. VOO is up over 500% since 2010. I’m not great with math but I think he’d have a lot of money.
They mean to invest in the S&P 500. Once you pick a brokerage you can invest in something like VOO which tracks the S&P 500 collection of companies.
He also wouldn’t have any money if he just VOO’d and chilled.
i told myself to never get into spy options, but after yesterday, i realized. It only takes one win. Then you VOO for the rest of your life.
AHCO SPY VOO QQQ all mooning tomorrow prob
Because it's a game meant for you to not win. Get addicted to just stacking something like VOO, give it 10+ years, and you will be winning. It really is a marathon, not a sprint.
I’m mostly buying VOO for obvious reasons, with a good amount of money in QQQM (I feel tech will only go higher with ai even with a potential bubble). I did throw some money in spacex because I think it could go up but that isn’t as important.
You should diversify your financial guys too, stop diversifying with 1mill stocks and just get VOO and VT, thats it.
I'd probably take $300k and put it in QQQM(VOO/SPY)
Boomers with VOO are up 13% YTD and gey bers broke behind Wendy’s 🤌
Do I sell my my VOO portfolio and dump it in NVDA now?
So i like SCHG...its like VOO, but the top 750 companies insteaf of 500 in the sp500...then SCHE (emerging markets) and SCHF (established markets) for international exposure...id suggest s 70/30 split between the btoad ETFs and 30% for individual....of that 70% in ETFS, id suggest 80/15/5 between those 3 ETFS..SCHG/SCHF/SCHE Even though this is what I do, you still want to investigate if this is the right core for you
Ok then put it all into VOO and watch the market for a while It's extremely volatile this year
I def get yah...honestly, if you can afford it, id almost consider selling the individual picks snd put it into something like VOO for the rest of the year while you learn...if youre a long term investor (decade long time frame) a few months won't make a difference while uou refine your process Where i started learning was by looking at Schwab A rated equity rankings...they update their list weekly so its a place to start research and find companies to investigate (i say Schwab bc that's my brokerage) Im a big believer of prople learning how to invest to try and grow their wealth, so I definitely encourage you to keep on your path to try and get ahead of the market...just protect your downside
In those 3 months, have you outperformed VOO?
VOO first day breaking $700, immediately goes to $710 the same day! What a day!
Personally, I just VOO, VT, BRK-B and chill lol.
If youre investing in 20-30 just buy VOO, SCHG, etc...id suggest you have a broad base core and like 3-7 stocks you really have conviction about...just by the law of large numbers, you're gonna (most likely) revert to the average...you'll have a much better chance to beat the market with less picks, and having a broad base etf protects your diwnside...so maybe you beat thr average by 5% but you also (generally) only underperform by a bit
I can shorten it to 1: VOO 2 id you feel spicy: VOO + SPMO
Unfortunately it's the only sub where when someone asks about a stock all the answers aren't "just buy VOO instead". But at least the memes are mostly funny
Please buy some VOO. SCHW SCHX.
You didn't say what your split is between VOO and VIG. Only thing I'd say is at 36 it probably should be tilted towards VOO. 3 months expenses might be a tad low, I'd probably boost that to at least 6 months over time. Nothing wrong with VOO + VIG. I'm assuming the Robinhood account is a non-retirement account. Only thing I'd say is max your Roth first. I would also max the 401(k), at that salary you should be able to afford to. Then if you still have $ left over and want to take some more risk with QQQ or whatever in Robinhood, fine.
To be clear, I have enough for a down payment outside of the Roth, but I could get more house if I dip into the Roth. Context: I am 35, just got married, and about to try to have kids. I also think it makes sense mathematically. At 35, I have about 1.2M in the Roth (unbelievably lucky). After that stroke of luck with NVDA in 2016, I moved everything into VOO (VFIAX Actually) where it now sits. Assuming it stays parked in VFIAX for the next 25 years, a semi conservative estimate (historically speaking) would be to have 2.5x my current principal (in today's dollars) by the time I am 60 ($3.6M). So by my calculation, if I pull $200k from the Roth today, tax man takes $80k, and I get $120k more house. This would reduce the above retirement estimate from $3.6M to $3.0M (today's dollars). So yes, 600k less in retirement for 120k more in house... But that 120k is not *lost* and in fact will likely appreciate... So it's closer to 400k less at age 60. Is $120k more house for me to start a family in worth -$400k in retirement? I think it is. Shit, my mom died at 35 years old. I appreciate hearing other people's perspectives/suggestions though. I never anticipated I'd have to manage 7 figure sums, but Jensen blessed me so here I am.
I was cursed to walk up a hill for eternity, but it turns out that hill is green and its called VOO.
Closed my 180DTE options from last week thinking it would take months to recover 😂, pivot to majority VOO and chill. My job here is done. Good luck on earnings today, regards.
For the love of god put your money into VOO if you don’t already have a broker. Pls don’t go into options.
Thanks. Yeah, I’m in grief counseling. And I plan on following the boggle head advice. I found the fire community years ago when I had student loans, I’m not a gambler lol. I staunchly follow the spend-less-than-you-earn and VOO and chill advice. I appreciate that the degens are yelling at me to not be dumb, that’s super nice. I probably won’t gamble anything, just continuing my info gathering. And I’ve always wanted to do a modest yolo move.
it already had a run up. this ETF can move very slow and then go either direction suddenly due to something on the other side of the world better off with VOO/VT
Gambling my money in VOO while we reach ATHs. Sorry about your shorts.
VTI, VOO, UST bonds - 750k, 200k in mag 7, 50k into ONDS RKLB ASTS
You didn’t say how old you are but take $995,000 and stick it in VOO and forget about it. Gamble the other $5,000 on options and see what does better.
VOO joins the latest 700 club!
Market is making it crystal clear that VOO & chill is the way to go. I, however, will not listen.
Dropping all my sideline cash into VOO, the top is in.
Damn is fucking ***VOO*** gonna hit 700 today?
VOO about to test 700
I don't suggest investing in crypto, especially if you're new. Since you're fairly young (saw that you were 28 yo), I'd say VOO/QQQM is a good start. Could be 50/50 or 80/20 depending on your risk appetite.
Recognize the pattern in your own post: MU didn't come back → you switched to 0DTE SPY scalping days later. That's tilt, not strategy. "94% in 4 days" is two lucky prints on a handful of trades — that's not an edge, that's variance. 0DTE decay is brutal in both directions; the same mechanism that gave you +300-400% twice is what took MU from +70k to 16k. You haven't proven a system, you've had a hot streak inside a small sample. So: neither flat $1k nor scaling to 5%/trade. Scaling size *up* after a lucky streak with no track record is how people go from 16k to 0 in a week — proportional sizing on 0DTE compounds variance, it doesn't tame it. If anything this is the moment to size *down* or stop and let the streak prove itself over 50+ trades before trusting it with real capital. Zoom out: you already ran the experiment. Concentrated 2x leveraged bet → +100%, then -80% peak to trough. That's not bad luck, that's what happens when you size for "fastest path to 100k" instead of survival. The math doesn't care that you biked everywhere and saved for 4 years — position size determines whether variance kills you, not conviction. On SNDK/AMD earnings calls: your instinct to back off was right. IV crush is real — front-month options price in the expected earnings move, and even if you're right on direction, IV collapsing post-print can net you a loss. Holding single-name calls through earnings is a vol bet dressed up as a direction bet. If the actual goal is "100k → VOO and forget for 20 years," the fastest reliable path from 16k is a job/income, not doubling down on 0DTE. The options account has already shown you its downside case.
Glad to be among degenerate retards, imagine if we were normal. Just going through life all "VOO and chill my good sir" 🤓 Chilling just to think about it
So for for the investor who did not time the market, …. 12 years to break even, ignoring inflation? This is why big money plays bonds. You guys really are amazing. If the Church of VOO and chill ever open a pretzel shops I will be in the front of the line!
Park that shit in VOO/VTI and enjoy the gains instead of losing 100k
1. Don't buy 'New' Vehicle, 2-4yr old nice one. Not FORD! 2. Don't invest in Crypto. VOO/SPY-Middle of road (the market S&P) Your young add some XLK/QQQ/m, SMH/SOXX (Nasdaq/Tech & A/I). 3. Short the Inverse if gonna play with LEFT's.
SPYM isn’t more volatile than VOO it’s the same thing just with lower fees
Semi bros kept their promise to switch to VOO & chill after God gave them the exit they prayed for.
Not convenient at all, just looked at the last ATH, and if you're in investing in the SPY or VOO long term you haven't had any gains since then. Market has been flat at best since then, so it's odd seeing people commenting like the market is on some euphoric mega pump, that's all. Of course, not claiming this is the ceiling though.
It's in $VTI and $VOO. Not like I can ask vanguard to remove it
Is it weird that I am demoralized by how relentlessly good SPY is... like how hard it is to beat just buying and holding VOO like a normie. When "market" is going down SPY just rotates and drops -1%. When market goes up SPY grinds +4% I know I can crack the code. I know I can do better if I just try hard enough.