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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
Just wanna thank you in advance for your contribution for making the market return much better than the average investor’s performance. Without you we won’t be able to just VOO and chill and still outperform 90% of investors in the long run.
VOO should be a big portion of your portfolio. Buy that every month no matter what. And then you won't have to worry so much about past crashes and future ones. I went through both 2000 and 2008. 08 was hard AF. But here I am wealthier than ever.
When you inherited the funds there would be a step up in the basis to the value on the day of death of the person that you inherited them from. This will be the biggest tax reduction that you will see. Both of the funds have large expense ratios with TWCUX at 0.87% and TWCGX at 0.84%. Both lag a straight SP500 index like VOO and lag a large cap growth fund that they would be benchmarked against like VUG even more. If you aren't going to sell the entire holding at least stop the dividend reinvestment and use the different distribution to invest in a better fund.
VOO YTD: \~17.82% Personal YTD: \~29.4% Whoo hoo!
Love it, fuck all the “VOO and chill” pussies
PLTR was the only one to really take off before April. The other positions were small at the time. The positions mentioned above aren’t my whole portfolio. I have “ safe” stuff too such as VOO and SCHB and D to diversity. Why it doesn’t show much of a loss
Consistency. If I can make 20 bucks a day even, its a good day. What blows me up is thinking I can do it again in the same day or because muh feels. Blew up my account numerous times. You can turn 100 into thousands. If you cant, then just invest in the market.IVV, VOO, etc.
Same, 26%. No buffoonery. VOO, QQQ, VLCAX, PRCOX, FSELX.
22%. mostly VOO and some NVDA
Give me the porch il trade it for VOO
22.16% this year! VOO, NEE, HOOD, NVDA, TSM, QQQM
I’ve read a number of your comments and you seem a bit confused. A lot of the big funds (like VOO, SPY, VTI…) you can buy at any brokerage. You don’t have to buy VTI on Vanguard, you can buy it as Fidelity or Schwab or wherever. IMHO this is the best option. Vanguard has terrific funds, but Schwab and Fidelity are better platforms to deal with. I personally wouldn’t own any of the smaller proprietary funds (sometimes marketed as no cost, as they are all so cheap anyway) that are only available on Fidelity or Schwab, as it could force a capital gains event if you ever want to move brokerages in the future.
+17.68%… All S&P500 and VOO blends.
If you buy SPYM - it has the lowest fee of all SP500 ETFs and it also has the lowest shares price ($80 approx) So it is exactly the same as VOO or IVV or any other sp500 fund except their shares are a lower price.
I'm not sure what you mean VTI is on schwab as are other fidelity and vanguard funds, in addition to the VOO. Schwab is the best broker especially if you use their bank account which has literally 0 fees and they reimburse you for ATM fees.
Holding 3 companies is insane you should definitely buy VOO. You should start by putting 3-6 months expenses in a HYSA (or the brokerage in SGOV). After that buy some amount of VOO automatically every paycheck and save some amount for the house in HYSA/SGOV.
Bought today in goodbye to Warren buffet, Berkshire stock, VOO and QQQ, QQQM let’s see who wins next year lol
“You should have dumped into VOO” Everyone is a genius in a bull market
1.5m is the sum of all transactions, not held assets. OP could've traded $10K 150x to get these numbers. Still could've made 10x more holding VOO in that case though.
They all would be exactly the same ETFs trade like stocks, it really does not matter if you buy MSFT or AMNZ or AAPL on Fidelity , Schwab , Vanguard , Etrade You get what ever the return is on the stock, ETFs work exactly the same way, buying VOO on Vanguard is no different then buying it on Fidelity or Schwab or Etrade or Robinhood
Imagine if you had it in VOO
If you had just dumped it all in VOO and forgot about it, you'd be up \~18.7% (just short of +$288k in net gain).
They're all the same so it doesn't matter. Pick the one with the lowest expense ratio, VOO or SPYM.
Mag 7 will not crash, it will likely go up and come back down to where it was in November 2025, according to Fidelity, Chase, and CCSO webinars. So if you don't time the market, staying in VOO or buying some xmag makes sense. Especially if you have any individual stocks of the mag 7.
I’ll roll the dice. I don’t anticipate any issues with Fidelity. I have a lot of VOO with other brokers.
16.71% and no, my account is not VOO and chill.
No idea what Schwab allows. I just know Fidelity does. Schwab isn’t bad, Fidelity just checks tons of boxes. Decent default money market. Fractional stock and ETF and crypto. Decent expense tracking and budgeting. All that stuff is free. All personal finance is the same. Monthly income vs monthly expenses vs monthly automatic investment. I like auto investment weekly personally, takes advantage of volatility. The more you automate the better. Want to buy individual stocks, sweet, automate, ETF’s like QQQM or VOO, even smarter, automate. Play a little crypto, fine, but automate. Don’t panic sell. Live some years like this and you see money is easy. If you don’t get it done by yourself, find and hire a trustworthy pro. It’s just that simple. Best of luck.
VOO is an S&P500 index fund basically the top 500 companies SCHX is the dow jones large cap , basically top 750 companies SCHB is total stock market , it will have like 2500 companies that include mid-small cap So you buy SCHB if you want to hold mid/small cap companies The difference between VOO/SCHX is very minimal , its like why buy coke instead of pepsi , they basically both are colas, they both have cola flavoring , caffeine , sugar , carbonation but they have slightly different increments , but in the end they are pretty simular
Personally I buy SCHB and (SWSTX in IRA) not VOO. Total market / S&P 500 are all going to perform similarly over the long term. Don’t overthink it. Most of your account growth early on is going to come from your contributions. It’s going to be a bit before the investment returns start outpacing your contributions; though it’s glorious once you get to that point.
ETFs trade like stock, meaning it really does not matter if you buy VOO in vanguard, fidelity , schwab, Etrade. Just like it wouldn't matter if you bought MSFT or AAPL on vanguard, fidelity , schwab, Etrade. So no downside >Is there a benefit to having Schwab broker vs Vangaurd at all? Personal preference, vanguard is really geared to buying index funds. Schwab has some features that may be useful if you are a more active trader like a trading platform of Think or Swim If you largely just buy index funds (what I do) the brokerage really does not matter. I use schwab because I like they have a bank attached to them > Also, do I need to open a separate account for Roth or Roth IRA on Charles Schwab? Yes , you can use one log on but those would be separate accounts
I have my 401k at Fidelity, but I hear folks choosing between Schwab or Vanguard so I picked Schwuab for now, Not sure why I wanted a separate broker but maybe to diversify? Question - why buy VOO and not SCHB or SCHX? Can I do auto buy on Schwuab? And does it automatically come out of my checking account? And are these purchases post tax? When buying ETFs, is it recommended they go in a taxable account or Roth IRA? How do you determine?
Also, why buy VOO and not SCHB or SCHX?
If given the choice I would be putting it into a TFSA instead of FHSA unless you need the tax write off immediately. If holding for the long term VFV is a version of VOO (S&P500) priced in CAD traded on the Toronto stock exchange. If shorter term look at bond funds or money market funds.
To add to this, VFV is literally VOO priced in CAD traded in Canada. There's also a currency hedged one I don't remember the ticket for.
Just open a Fidelity account and buy VOO on an auto weekly basis. For cash equivalent either use their default money market or go a step further with SGOV. Never rely on self discipline, buy auto. Sell only when there is an urgent expense to pay for. Schwab doesn’t do fractionals for ETF’s as I understand. Some others just do stocks. It’s just easier to use Fidelity. They do both. You will learn as you go. Best of luck.
TKeep an emergency fund of +/- 6mo salary in high yield money market like VMFXX. Buy and hold only stocks you are willing to hold at least 1 year. Active trade only what you can afford to lose. Put 80% of your investing funds in VOO and never touch it.
I'm not too familiar with what Canadian citizens have access to but if you can get broad US stock or broad western market stock funds with low fees, that's a good choice. Vanguard offers two funds called VOO and VTI that are popular. Most financial institutions offer their equivalent for it. Schwab has SCHB. Fidelity has FSKAX. Basically what we have seen is that these markets grow on average about 7% per year. Key point is that is over long periods of time which is why you have to be okay with volatility. It might grow 10% for a few years, then be down 20% for a year. Then 3% the next year..etc. 7% is the average over the 20-30 year span.
+30% with my fun money, mostly because of GOOG and ISSC. I am kicking myself for having shortlisted MU this summer and then passing because it ‘wasn’t undervalued enough’ and is exposed to AI bubble risk… but I guess I’d rather regret gains than loss of capital. 12.6% with our family portfolio, but with half the monthly volatility and worst drawdown of VOO, so again I’ll take it!
Holding my calls in GOOG 9/26 & 12/26, META 12/26and AMZN 1/27. Holding mostly cash anc periodically adding to VOO, VOOG and KWEB.
Index Fund just refers to a fund that tracks an index instead of having a fund manager pick stocks. An Index fund can come in either ETF or Mutual Fund form. SWPPX, SWTSX, VFIAX, SCHB, SCHX, VTI, VOO are all index funds. There are no fees for buying/selling ETFs at Schwab. There are no fees for buying/selling a wide range of mutual funds at Schwab. Schwab doesn’t allow buying fractional shares of ETFs or setting up automatic periodic purchases of ETFs. They do allow both these things for mutual funds. ETFs tend to be more portable than mutual funds should you decide to change brokers. ETFs are slightly more tax efficient than mutual funds when held in a taxable account. This is because mutual funds are more likely to have capital gains distributions, though they tend to be minimal for index mutual funds so not a major concern. If you are ok not being able to buy fractional shares and auto invest I’d hold ETFs in a taxable account for the increased portability and tax efficiency. I’d use Schwab Index Mutual Funds in an IRA. Especially if you want to set up a monthly contribution and have it automatically get invested. These are minor differences… either ETFs or Mutualfunds are ok in both.
55.21% mostly DCAing into ASTS, RKLB, GOOGL, and VOO and a small LEAPs position on ASTS
You can buy VOO and VTI at Schwab for no fees. The only downside is they don’t allow purchasing fractional shares of ETFs. Schwab doesn’t have their own S&P 500 ETF, though SCHX is similar. They do have an S&P 500 mutual fund (SWPPX). SCHB is roughly equivalent to VTI. SWTSX is the mutual fund version.
Do you mean you can buy VOO on any brokerage ?
> SCHG I mean, those hold different assets. May as well say NVDA outperformed VOO and SPY.
thanks so much for this reassurance! I think SCHX mirrors the Dow Jones instead of S&P 500. Is there a downside to buying VOO or IVV or SPLG on Schwab rather than buy them on Vanguard? I think VOO is Vanguard only so not sure if it has a higher expense ratio on Schwab
Why wasn't 4.3 million enough for you? You were trying to gamble more once you had retirement and chill money? Makes zero sense. All you had to do was pay taxes and put it on VOO and you beat life.
An "Index fund" is just any fund that follows an index. Index funds can be an ETF or a Mutual fund. Now schwab does have SWPPX what is an S&P500 index fund setup as a mutual fund Schwab does not have their own S&P500 ETF, however at schwab you can buy VOO or IVV o SPLG no issues. SCHX is a very similar index , the returns are going to be near identical . SCHX holds about 750 largest companies vs the largest 500 but they are going to perform 99% the same, its not worth worrying about the small differences
+26% got lucky with just being in a handful of tech stocks + VOO
+34.8% really wish I bought more GOOG when it was ~$150 or a couple of years ago when it was ~$90 and reddit was freaking out about it. But, happy with my return this year Probably could have done better but I am heavy into VOO and not managing as hard as I was in the past
It’s time to just buy VOO and not to open the app until next year. 😤
Teach them simple VOO and chill. SGOV for emergency fund when they are older. Teach them to DCA into VOO and only sell when they have something urgent to pay for. If you teach this young, they will never have to worry about money. They will get it.
You should open a Fidelity account because they support fractionals. Buy as much VOO on an auto weekly basis as you can stomach. Start with what is comfortable, then push yourself to do more than comfortable. Here is the important part: only sell if you have an urgent expense to pay for. That expense might be a house. Cross that bridge when you get there. Use the Fidelity planning tab to link your banks and credit cards to track expenses. Data is useful. That’s it. That’s all it takes to be financially secure, spend less, invest more auto, don’t panic sell. You will learn more stuff later, but it all flows from that fundamental principle. Best of luck!
VOO and VTI are *not* "low risk" especially over a short time frame. By all means stick with your brokerage, but you can use something like SGOV as a quasi-HYSA.
>or should I go low risk, and put it in VTI and/or VOO? While lower risk than individual stocks , VTI and VOO are still considered high risk , they are not "safe" investments in the short term.
\> "what's the point?" If you can't beat the S&P500 with your equities, yes, you are doing it wrong. Just buy VOO/IVV/SPYM. But also, you have to include your cash in your calculations of your portfolio return. Obviously if you are 99% cash and your portfolio beats VOO for the other 1%, that's not saying much.
Your risk adjusted returns are likely similar, but yes VTI is a more diversified fund. If the market drops, VOO will likely drop more.
Your portfolio YTD is off due to the cash idling but also due to the selected investment’s fees and expenses mirroring the S&P 500 (e.g. $SPY is 0.0945%, $VOO is 0.03%, etc.)
Ideally you rebalance once or twice a year between your big etfs. When VOO is doing great, you trim it and move the trim into your VTI that may not be doing as well. When VOO is doing poorly, you trim your VTI that may have other sectors and buy VOO. The other goal is risk aversion. VOO is heavy on tech /mag 7, and if those tank you could lose tons overnight. Meanwhile VTI isn't as heavily concentrated in tech. For the rebalancing, i think folks usually do VOO and an international fund thinking US and internationL may not move together (us stocks might go down but rest of world is ok, and vice versa). Bc the US is so big we usually saw intl go the way the US did. But other countries are gaining ground.
It would be called VTI, VOO, or QQQM which are all large index funds that pull from diverse stocks
Looked into wheeling which is what you refer to? Do not see the risk reward for it. Could buy VOO instead
VOO ... its expense ratio is lower than SPY.
Sounds like you've got a clear framework now: \- 65-35 ETFs/stocks makes sense \- GOOGL as a "safe stock" is fair - it's basically 5 companies in one \- barbell approach (safe core + speculative 10x bets) is a legitimate strategy \- 7-10 stocks keeps it manageable on trimming: if you're moving to 65-35, the math kind of does itself. trim PLTR/NVDA/RKLB until you hit that ratio, move proceeds to VOO. on the 7-10 stock limit: if you're hunting for 10x, the new additions (LUNR, ASTS, IONQ, etc) are where that upside is - not the established winners. so if you need to cut, the question is which of those speculative bets you have most conviction in. sounds like you know what you're doing, good luck.
If there is a correction the VTI will be less volatile than VOO or QQQ. VOO is heavily weighted in the magnificent 7 stocks. With less volatility and risk you are trading some upside but when the market corrects you will be better off than those holding risk on assets.
> My income is over the Roth limit so that is not an option. Except that you can contribute to an IRA and do a backdoor Roth conversion. And don't sleep on an HSA, if you're eligible. > what is the best strategy to reduce risk in my (eventually) heavy-weighted VOO portfolio in 20+ years when I am closer to retirement? In a taxable account, ideally it's through contributions. Figure out what you might want your retirement-time portfolio to look like, and work backwards to figure out how long you can gradually get there. Like maybe starting 10 years out. You will also have occasions through market declines where you could potentially sell existing positions for offsetting gains and losses and use that opportunity. Or perhaps if you have similar-and-correlated-but-definitely-not-substantially-identical holdings (VOO and ITOT?) and do some loss harvesting strategy that you can carry forward to mitigate taxable gains at a future rebalancing point.
I don’t understand why anyone would select QQQI when VT VTI VOO vug and so many other good performing ETFs exist. Personally I’d pick VOO and add some vug for a time frame such as yours
First off - having PLTR and RKLB grow 6-7x and then another 2-3x is a problem most people wish they had, don't beat yourself up for taking profits along the way. On the actual question: the core issue- you designed a portfolio with stocks as 15-20% satellite allocation, it's now 50%. That's not a portfolio drift, that's a completely different portfolio. The question is whether that's intentional or accidental. option 1 (rebalance within stocks): Your proposed target still keeps you very concentrated - PLTR + NVDA + RKLB + GOOGL = 69% of stock allocation, you're not really diversifying, you're just shuffling the concentration around. If you're going to stay concentrated, might as well stay with the winners. option 2 (trim to ETFs): This brings you back to your original design. the argument: you've already won, lock in some gains, let the core ETFs compound. emotionally harder but structurally cleaner. option 3 (do nothing): The "let winners run" approach. Valid if you have conviction in PLTR/NVDA/RKLB thesis. The risk: you're now 50% individual stocks when you originally wanted 15-20%, if one of these gets cut in half, it'll hurt. My take: I'd do a modified version of option 2, trim the top 3 back to something like 15% each (not your proposed 19/20/10) and move the rest to VOO. this: \- locks in gains \- keeps meaningful exposure to your winners \- gets you closer to your original allocation intent On the speculative names (LUNR, NBIS, ASTS, IONQ, IREN): to be fair, PLTR and RKLB were speculative when you bought them too - and that worked out. If you have conviction and size them appropriately (looks like 1-3% each), that's reasonable. Just know you're keeping the high-risk approach that got you here. No wrong answer here - but be honest about whether you're an index investor with some stock picks, or a stock picker with some index exposure, right now your portfolio says stock picker.
Its because VTI is more volatile than VOO and its more diversified. However diversified doesn't mean higher returns.
You're doing great! Keep automating those VOO purchases and maxing your company match. Consider increasing to 15-20% total savings if you can to catch up on lost time.
I like FXAIX, its cheaper than VOO, performs a little better than VTI
People generally choose VTI over a SP500 ETF for further diversification, not for outperformance. Yes, SP500 has been doing better bc the MAG7 makes up a slightly larger piece of the pie. And that’s been the primary growth driver for any US broad ETF in recent history. I don’t think there’s really any good reason to think small caps will ever consistently outperform the rest of the market esp if we don’t see those ultra-low interest rates again. But that still doesn’t mean diversifying into them is a bad idea. Who knows if tech will continue performing as it has or if it will suffer a targeted correction. Even then, the difference between VTI and VOO is relatively small, there’s no point in debating one scenario over the other.
yea - because we are all good investing goys here who only buy long shares of VOO and other ETFs.... wrong. Think about the fact that every person in here is juiced to the gills with the highest beta meme stocks possible. So a .28% SPY drop is usually a 2-5% drop. Multiple that by about 2 months of chop and down, and you will find that me and my other hulkamanics are probablly all down 20-30% since October highs.
Just started my Roth a week ago. Did 80/20 VOO and QQQ. Already down 1% :) retirement here I come.
I am retiring from being a retard and will be buying VOO only next year good luck fellas
Lump sum VOO or Brk-b whatever DCA any volatile stock like Rklb or Tsla
And VOOG has outperformed VOO
This year yes, but not over the past 5Y lol. It has severely underperformed in the 5Y Vs VOO. 53% for VT vs 83% for VOO
This year yes, but not over the past 5Y lol. It has severely underperformed in the 5Y Vs VOO. 53% for VG vs 83% for VOO
Buy QQQM or VOO in your Roth. Dividends are not free money (Google it). It’s a Roth, you can sell and change to SCHD later, when income is actually needed. You’re giving up a ton of growth by being in dividends so young.
Internationals has been on a tear this year. VXUS almost doubled VOO at 31.85 vs 16.89.
VT (Total world) which is even broader outperformed both VOO and VTI, 20 vs 17 vs 16, so strictly speaking for last year US small caps were underperforming, while the largest diversification of VT proven valuable
Compare 2 funds with portfoliolab.com Buffet said VOO. Fidelity has an excellent one too.
Fidelity is better broker. Supports fractionals on everything. I like Vanguard. And you can do fractionals on VOO there, but on nothing else. Vanguard would prefer you buy VOO at Fidelity, let Fidelity take the service calls and complaints.
Of course, SCHG and VONG are growth ETF's while VOO and SPY are blend ETF's,. It's an apples to oranges comparison.
I use SPYM the fee is 0.02% while VOO is 0.03%.
Loss harvesting isn’t just selling losers, it’s selling losers and buying back into a similar equity. You bank the losses and don’t lose the opportunity for a bounce back. For example, if I’m holding VOO at -10k, I’d sell that and buy into VTI. On paper I have 10k less to pay taxes on, but when the market rebounds I have lost zero equity.
The steps I'd recommend - Step 1: Figure out how much YOU spend monthly. - Step 2: Keep 6 months or 1 year worth of the above money in your savings. - Step 3: Rest into S&P 500 or QQQ or VOO (similar ETFs) - Step 4: Learn about high yield savings account, bonds, mutual funds and other stuff. As you learn, experiment with some money there. - Step 5: Ensure all passwords and accounts are backuped, and you have access to all (Bitwarden is a great App for this). Make sure you have your parents as your Nominee. - Step 6: Learn about documentation, legal implications & How to file your taxes. - Step 7: Optimise all of the above. BEFORE you do riskier stuff.
This is clearly written by AI with a heavy 'anti-Robinhood' bias. This prompt response isn't doing a whole lot of convincing for me. Almost every broker has had regulatory issues and SEC fines. Also, nearly every other broker paused trades or had outages during the meme stock frenzy. I don't care about mutual fund access because I'm 90% VOO. $50 for gold for $210 in IRA matching is an easy math equation. Additionally, gold gives you higher interest rates. I have 7-figures on the platform, and I don't care about the "casino" when a majority of my trades are index ETFs.
The S&P 500 is an *index* -- just an on-paper listing of 500(ish) of the largest US stocks. They make sure all sectors of the market are represented, and they weight the stocks by market cap. S&P 500 funds just copy what that index says. There are MANY S&P 500 index funds. I don't know how many, but I assume without checking that there are well over 100 of them. For the most part, it doesn't matter which you choose because their holdings will be nearly identical, their performance will be nearly identical. The list (off the top of my head) of why you might care: 1. Expense ratios. These basically get subtracted from your return each year. SPY has 0.09%, VOO has 0.03%, so in theory, VOO should outperform SPY by 0.06% each year. But there's so much random noise because maybe they rebalance on a slightly different schedule, on different days, etc. that it's almost irrelevant for such low expense ratios. It is something to look out for if some financial advisor dude is pushing an S&P 500 index fund with like 0.7% expense ratios though, because that's insane. 2. ETF vs mutual fund. Again basically the same performance, but one might prefer one to another. 3. if mutual fund, are there trade fees? For instance, I have Schwab. I cannot trade Vanguard's S&P 500 mutual fund (VFIAX) for free. I can Schwab's S&P 500 mutual fund (SWPPX) for free though. So if I wanted mutual fund over ETF, SWPPX would be the one for me. If I didn't care about mutual funds, I could buy any ETF for zero trade fees, so IVV, VOO, whatever, all fine. 4. If I want to play options games like selling covered calls on my S&P 500 fund holdings, I'd want SPY, full stop. VTI is also an index fund, but it's a different index. Instead of including 500 of the largest US stocks spread across all market sectors, it has several thousand US stocks spread across all market sectors. But since it is also weighted by market cap, that means those 500 largest that comprise the S&P 500 also make up the majority of this other index VTI uses... three fourths? I'd have to look, but that's a reasonable ballpark. And the several thousand smaller companies tend to follow the same trends as those 500 largest ones, so their returns are... not identical, but nearly identical. In theory, VTI will outperform if small cap companies outperform those mega-giant companies, and VOO would outperform if those giants outperform smaller companies. But in practice, it's mostly just all cancelled out over the long term. TL;DR: VOO or VTI, doesn't matter.
SPY for sure if you ever plan to use options strategies such as covered calls, plus the spread on the equities market is going to be tighter as well. Really both expense ratios are rock bottom. If you look at the difference in returns even over a long horizon its only a few hundredths of a percentage better for VOO, which is probably made up for by the better spread on SPY.
VOO is solid! It’s low expense and tracks the index well. Can’t go wrong with it.
Quick PSA first: VTI is the plus-one who brings every single coworker to the fancy gala, not just the S&P 500 A-listers. Now, stop overthinking which fund to pick! Grab the lowest expense ratio option from your broker and set it on auto-pilot. Obsessing over that 0.015% gap between FXAIX and VOO is like arguing which brand of bottled water tastes better when you’re just trying to stay hydrated for 40 years straight. Go touch some actual grass instead of refreshing this thread every 10 minutes.
Quick correction first: VTI is total market, not S&P 500 — it’s the friend who invites everyone to the party instead of just the top 500 cool [kids.As](http://kids.As) for which to pick? Just grab the lowest expense ratio option from your broker that tracks the S&P 500. Overanalyzing the 0.015% difference between FXAIX and VOO is like arguing over which brand of bottled water tastes better when you’re just trying to stay hydrated long-term. Set it on auto-buy and go touch grass instead of refreshing your portfolio 10x a day.
SMH, VTI, VOO, VGT, QQQM. Save your money.
VOO is the S&P500, as is SPYM and FXAIX. VTI is the total US market by weight, which is close to the S&P500, but not identical.
If it’s a taxable account it’s better to buy VOO. If you ever decide to move your account to another brokerage in the future you would have to sell FXAIX since it’s only available at Fidelity. VOO is available everywhere.
I am in a similar boat mentally. My marriage, my job performance, panic attacks... everything is almost the same. I had 50k in gold and cashed out 25k of that to invest in January 2025. Gold had its bull run, but my portfolio got wrecked during the Liberation Day period. Then I panicked and sold all my GOOGL, AMD, Intel, Micron, and uranium stocks; I flew to safety and bought Berkshire and VOO. All of my previous stocks went flying just like gold did before. I was down about 20 percent at that point. Luckily, I got my courage back and bought some silver miners before silver went crazy. That not only covered my losses but I was up like 50% at the top. I was feeling like a prodigy. When silver went down from 54 to 45, my portfolio saw -20% again since miners were behaving like they were leveraged. I was 100% invested in silver miners at that point. Again, I panicked and sold 80% of my silver miner stocks and bought Berkshire, VOO and gold. I probably should sell the rest of the silver stocks and dollar cost into VOO. Maybe I should even sell Berkshire to buy more VOO, since that is stock picking as well. I mean, I don't want to sound like a dick since I did not lose any money and I am still up about 50%, but I am mentally wrecked. I could have just kept all of my gold and had about the same result without this mental deterioration. I hurt my wife; I blamed her for not helping me during my panic sells and blamed her just because she was not interested in trading. She forgave me in the end, but I cry every time I remember how badly I behaved toward her and the things I said that I wish I hadn't. I was a top performer at work, but now I fear that I could get fired. In the end, I learned some lessons, but very expensive ones. I concluded that stock picking investing is not for me because I panic sell every time. I will just keep buying VOO and gold. Advice: Stop looking at the stocks for a while and focus on your life. We both learned that the market doesn't just take your money, it takes your peace of mind and changes your behavior toward the people you love. Apologize to your partner again and again, not because of the money, but because she/he is your real safe haven. Accept that you (and I) are not built for active trading. The best thing we can do is move to boring investments like VOO or gold. A peaceful life is worth more than extra profit you might get from stock picking.