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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
VT for exposure to the entire world. VTI for all US stocks VOO for all large US companies. Majority of people in This investing sub or Boglehead sub would pick either VT or VTI to chill. Any of the 3 would be good/great choice.
And godspeed if someone held onto the short when the 15-days kick in and all of the index funds start auto-buying. That Vanguard ship logo? Yeah that's going to keelhaul you when the volume of VOO buys come in.
VT, VTI, VOO ?????? Which one is the chillest though?
Looks like you’re investing in a lot of individual stocks. Standard advise is invest in an index fund in a Roth IRA. You can open one up on vanguard or fidelity and just put it in VOO, IVV, or SPY. These are called ETFs and follow the S&P 500 which are the top 500 companies in the US. It’s self managed (think way smarter than us in general) and they only take $3 for every $10,000 you invest (expense ratio) per year. It’s ridiculously cheap. Historically the S&P grows 10% a year (some years are lower some are higher). This is your low risk option. Mid risk option include other ETFs that focus on growth, tech stocks, etc. High risk is you learn about and play around with options (puts and calls basically betting that a stock will go down or up within a certain amount of time). It’s a glorified roulette table. This is gambling and many of lives and loved ones have been ruined by this. I’m simplifying things but I hope you get the idea.
$5/day, every single day into VOO and have for a couple years now. There are other investments too, not just VOO.
VOO 595 Open 603 10:40 Quick Spike 599 Noon 602 Close 603 After hours
You can't have enough of dividends and companies that regularly pay and increase dividends every year are the most stable companies in my book. I went with SCHD since it has the least amount of overlap by weight with VOO and low P/E ratio. I also consider SCHD methodology to be superior than what's most on the market. Another great addition is AVUV and to a less extent, AVDV. But no need to overcomplicate.
Im 21 and my current holdings are: Stocks: ITRG, NVDA, O, MU ETFS: VOO, IYJ, VXUS, ICOP
Agreed on all points here. It honestly hurts to see the all time chart but those accumulated over time (except today I spiraled and lot 5k) That one hurt bad. My Roth is doing great because I only have VTI and VOO and in comparison to my ODTE it makes me cringe I’ve wasted this much money. I posted this because I want other to see before they spiral too. Luckily I’m blessed with a good job and can recover just fine but still, 10k loss is a ton of money
secret to great wealth is investing in pump and pump schemes like VOO
Going into today (The day before Good Friday), millions of "Put" options (bets that the market will drop) were purchased by investors seeking insurance. The Wall Street market makers who sold those Puts had to short the actual stocks (like MSFT and VOO) to hedge their own risk. When 4:00 PM approached and the market hadn't crashed, those Puts became worthless. The market makers suddenly didn't need their hedges anymore. So, what did they do? They aggressively bought back millions of shares of stock in the final 5 minutes to clear their books before the long weekend. There was a $1.2 Billion Sell Imbalance on the tape at 3:55 PM. The retail crowd saw that and assumed a crash was imminent. But institutional "Whales" (pension funds, sovereign wealth funds) love liquidity. They saw $1.2 billion worth of desperate sellers and decided to swallow the whole thing. They bought the imbalance, absorbing the panic and pushing the closing price higher. Which makes me sad as a retail investory, because I was trying to pickup some VOO, MSFT, SMH at a discount. I am often reminded of the saying, "The market can remain irrational longer than you can remain solvent." I think I am going to print it out and hang it on the wall.
Lots of people (especially here) will call you dumb if you do anything but 100% passive investing into VOO/VTI. As someone who also likes to have fun and try to "beat the market" from time time my suggestion is have a fixed amount of your portfolio in indexes (\~70% is my personal number). The rest you can invest with as you see fit. Just avoid option trading and the riskier the position is, the smaller the position should be. Focus on blue chip companies, avoid biotech and don't invest in companies if you can't easily explain what they actually do.
I am 40% in SPY/VOO, 25% in QQQ, 15% BRK, 10% cash, 5% GLD, and 5% Bitcoin. If you are holding tech (or QQQ, you would have noticed that the downturn had already started before the war. I have just been increasing my cash position since the war started and kinda regret not buying some SPY when it hit 630 earlier this week. I think any moves below 640 wil be bought quickly from now on.
Honestly, tweaking allocations based on macro moves is a brutal game. I'm not a macro person, but dropping your VXF now to buy more VOO feels like classic performance chasing. You'd basically be selling low after small caps got crushed, just to buy mega-cap tech after a massive run. At 35, you have plenty of time. If the tilt is stressing you out, you could just revert to holding them at actual market weight (roughly 85% VOO and 15% VXF). That essentially replicates the total US market, so you never have to guess which cap size will win the next cycle.
1.) I'm glad you didn't off yourself over 23k 2.) recognize that you didn't lose it because "shit isn't fair" you need to own up to your actions. 3.) take a break and get some therapy 4.) don't let this scare you away from investing forever, maybe just buy VOO and chill bro you got this
Soooo QQQM bad now? Ok, moved it into VOO.
I am asking which funds are vulnerable, and which funds are not.. So if people want to avoid the vulnerability, how should they adjust their portfolio? Seems like I have some things wrong, but your post didn't really clear up my questions. Are you saying that QQQ and VTI will be vulnerable to SpaceX's manipulation, and SPY and VOO aren't?
what ? QQQ is affected by this rule SPY and VOO both track the same index , S&P500 what has its own requirements VTI already adds new IPOs basically in 5 days so VTI wouldn't need to adopt the rule they already have the same rule for years.
So which funds? QQQ and SPY? VOO and VTI are okay? Everyone should basically switch from SPY to VOO right then?
If the strait looks like it’s going to open, which it seems like that is the direction of things, then for the moment that eliminates my main issue adding to silver and copper miners. So I added a bit of SIL and COPX. It also adds positive momentum in the eastern hemisphere, particularly for places that have been struggling like Australia and Japan. The damage is done for now with regards to helium, so I’m still bearish on chip manufacturing for the moment. And I do have a real concerns still about the timing of fertilizer delivery. And I still think the US could be headed for a resource crunch depending on how things shake out-so I’m staying away from VOO for the time being. That said I did put a chunk into VXUS. We’ll see what happens. It got hit hard by this so hypothetically it could have the quickest rebound. I would expect oil to settle somewhere a bit higher than it was, but not nearly as high as it is.
If permanent life insurance is that thing where you put money into it, *more* as you get older, and then you can pull it out as a cash benefit, I'd say run to the hills. These grow more slowly than the market average and get progressively more expensive as you age. The main selling point is that it's cheap now when you're young and healthy (and naive). If the best selling point is a sense of urgency, is it a great idea? If they're selling you relief from potential FOMO, is that the same as relief because you made good choices managing your money? Guess what is equally cheap, doesn't get more expensive to contribute to as you age, and historically yields higher returns? Furthermore, you can manage it yourself and avoid fees for managed or guided investing. SCHB, VTI, ITOT, or VOO, SCHX, IVV, SPYM, etc. aka. the total U.S. market or the S&P 500. And you don't need all of those, you can just pick one. Or pick VT for the whole world market and chill.
Of course I am buying more VOO and VTI. It's been on sale. I buy more every two weeks.
Being emotional and selling everything is how you stay poor. You should just buy VOO and chill if you can’t handle this.
With US valuations, hitting a 10% reurn annually looks to be getting harder and harder. Internationals have much more reasonable valuations, last time I looked it was roughly 29x VOO and 18x VXUS. In my opinion internationals could outperform or at least pace US holdings with less volitility over the next 5 years, maybe 10.
At least I bought more VOO and VXUS in the morning. I hadn’t been buying enough as I was *sure* SPX was going to at least hit 6250. Im a long-term holder so it’s all good.
Solid foundation — VOO + SCHD as your core with VXUS for international is a smart framework. A few things the numbers show: **Your biggest gap is international exposure.** VXUS at $1,500 is only about 3% of your portfolio, which means you're almost entirely betting on the US continuing to outperform global markets for the next decade. That's been the right bet recently, but over a 10-11 year horizon it's a real concentration risk. Your plan to build up VXUS is the right instinct — I'd actually go further and direct your entire $500-1000 monthly contribution to VXUS for the next 10-12 months until you're at 15% international. Your VOO and SCHD positions are already large enough to compound on their own. **JEPI is worth rethinking at your timeline.** Covered call strategies generate great income but they cap your upside in bull markets by design. At 10-11 years from retirement with a late start, you arguably need growth more than yield right now. JEPI makes a lot more sense 2-3 years before retirement when you're transitioning to income. The $6,000 there could be working harder in VOO or VXUS during your accumulation years. **MU is your wild card.** At \~5% of the portfolio with roughly 2x the volatility of the broad market, it's your single biggest source of downside risk in a severe tech downturn. Not portfolio-threatening at this size, but worth knowing it'll swing twice as hard as everything else. NVDA at 3% is fine. **What's working well:** Your effective diversification through the ETFs is excellent — you're exposed to thousands of underlying companies despite holding only 8 positions. Your portfolio shows strong defensive characteristics, losing roughly 23% in simulated crash scenarios versus 30% for the S&P 500. Your sector coverage is solid through VOO and SCHD — you've got good healthcare, tech, financials, consumer, and energy exposure baked in. The only real gaps are utilities and basic materials, which are small sectors and not worth chasing. And your 3.0% yield is more than double the market average, so the income engine is solid. **If I had to prioritize:** VXUS contributions first, reconsider JEPI's role second, everything else is fine to hold and let compound. I ran your portfolio through an analysis tool I've been building — it simulates crash scenarios, calculates sector coverage, and flags risk concentrations. In a 2008-style market crash your portfolio drops about 23% vs 30% for the S&P, and in a tech-specific crash it holds up even better thanks to the SCHD/JEPI buffer. Happy to share the full breakdown if you're interested.
t 22, you have time on your side! ETFs like VOO offer broad diversification, while individual stocks can increase volatility and potential returns. Many use a "core and satellite" approach: keeping the majority in ETFs and a small % for individual picks to manage risk.
Msft, VOO, Amazon are some of the worst picks. They will not go up much at all
VOO is def something I have a position in and listed as one I would add to...just also curious about indiv stocks, and thats why i also asked to focus on best in breed that are in a good value right now
Solid choices, I hold all except VOO. I’ve doubled my positions on ASTS and ORCL. Not at a heavy discount, but consider INTC.
I was VOO and chill until I realized Trump was actually going to go through on his idiotic tariff bluster 13 months ago. Then I sold all of my US index funds and traded them for VXUS. Then in October or so, I decided gold and silver weren't just spiking now, but would keep going up as the world abandoned USD as the global reserve currency. Now the one US stock im seriously looking at is CLF because they're the only US manufacturer of electrical steel, which is a critical material of EVs, solar panels, etc.
silver bros can't catch a break - dat PM shit is supposed to go up when dat VOO shit goes down lol
I started switching up from almost 100% VOO and VTI in my larger accounts to 55% VTI / 35% VXUS / 10% VBTLX (or rough equivalents). I just wanted to cut exposure to US equities and also build a small bond position--the latter as I've always struggled to understand bonds and wanted to get used to holding them for future knowledge.
Don’t chase mag7. The winner of one series of years is rarely the winner of the next series of years. Every decade or so investors fall for this. Instead, look into passive indexing, where the fund internally rotates out the stale losers by increasing weight of winners. And it does this automatically with no management fee, and without triggering taxable events like would occur if you rotated them yourself. You’re looking for something broad-market and non-thematic with a low expense ratio. VT, VTI, VOO, SPMO, QQQM, VUG, SPHQ, something like that. If you still like the Mag7 after reading my first paragraph, they’re very well represented in most of those currently.
There's too many old dying boomers who can't fathom ever investing in anything that's not VOO or VTI or long-term holding.
Consider QUAL and VTV as alternatives to QQQ and VOO or some balance.
If this is money you won't need for 10+ years, VOO is a massive upgrade over USFR's declining yield. Don't overthink it, people who "continue researching better options" often end up sitting in cash for years while the market runs away from them, or end up worse off than simply putting money in VOO. Keep 6-12 months expenses in something safe like USFR as an emergency fund, move the rest into VOO, and stop looking at it. I spent years cherry-picking stocks thinking I could find something better than the index. Eventually quit all that and just started DCA'ing into IVV (same thing as VOO basically). It's been about 2 years now, market went up and down, and my return is on track for the historical \~10% annual average. But the best part isn't the return, it's the peace of mind. I don't check tickers anymore, I don't stress about earnings calls, I just let it run. That mental bandwidth alone was worth the switch.
I added 10K of VOO. The fact that he didn’t say anything about boots on the ground makes me feel like that was the right move.
https://robinhood.com/us/en/stocks/VOO/ overnight price suggests probably...not correct
I would go with a basic etf like VOO, but if you insist on thinking you know more than people who do this for their day jobs, spread out your buy over the course of a month or two. Like 25% lump sum, then the remaining 75% being 1-3% each day if you can do it automated. Or 15% each week. If you think the bottom is more than two more months out then go at a slower rate.
Yeah I have been consistently dollar cost averaging into S&P500 ($VOO) consistently on a weekly basis for the past 5 years
Well yes that’s obvious why would you keep investing in a bad company. It shouldnt and wouldnt be your favorite anymore so that’s a moot point. And yes you’re right many international indexes outperformed the S&P last year but that doesn’t mean VOO should be ditched. As others have said you should be diversified anyway but just because of short term geopolitical or political issues in general with the current administration that doesnt mean the S&P is now a bad index to invest in.
It’s one of the reasons why I do t have all my money in QQQM or VOO. I’d rather go heavy in Google, Microsoft, or Apple.
I wish I had that kind of cash, lol. I dropped...$750 on VOO today? At least I can finally say my net worth is positive these days.
You're pretending like the volatility over the past few months is normal. It's not. What is normal is with a medium->long term horizon, equities go up. People's fear is probably different. It would be absurd for someone with a 5+ year horizon for their retirement accounts to be anything but THRILLED with the market coming down. Today's value is meaningless, i'm building for 5+ years from now. Why would I want to buy at all time highs? For your weird car example, that's an established market where prices are falling irrationally. Who do you think wins in those situations? It's not the chump who sits on the sidelines. I can't find enough money to invest right now. I'm so happy my bonus just hit, and that's going right into VOO. Anyone saying that these aren't amazing times is either: 1) not an investor or 2) is right at their retirement point, and needs the money now
Yeah, dollar-cost averaging into $VOO is still a solid strategy, especially if you're young. Don't sweat the short-term volatility.
More important than Nasdaq and the QQQ is Standard & Poor with their impact on the VOO. They are considering also bending the rules to allow SpaceX to join before their 1 year on market with 4 consecutive profitable quarters quota.
If you want to diversify that’s not a bad call but buying VTI will not offer that diversification. The performance of VOO vs VTI has historically been identical.
The following is my opinion, and not investment advice. Whatever you do, don't put the 350k in the market all at once. Right now, put it in SGOV so it earns some cash while you think about what to do with it. I really would DCA most of it into VOO over the next year, and see if you can get in on the SpaceX IPO with 10% of your funds.
Space stocks like RKLB and LUNR, PL, NBIS, APLD, etc all can be absolute big home runs by 2030. In my opinion, I think Google doubles up or more by then too. Do your own research for sure on how to proceed based on your risk tolerance, etc. I though you don’t prefer funds but nothing wrong doing it the boring way in VOO, VTI, VTSAX that the majority do over individual stock picks.
Yikes with that much money I’d put it in VOO I’d keep a bit extra on the side and split it between RKLB, MSFT, Google, GLXY, NVDA, HOOD, Amazon, and Tesla NFA
Ive lost 25% of my port. About 100k over 5 years due to my idiotic 0DTES, and shit like that. I can tell you, i needed 3 years off. Came back, I have about 500k now into VOO/Diversified funds that i just simply do not touch.. and i have 50k that I mess around with stock trading/picking etc. It is absolutely abhorrent to come back from a loss like that. But what else you gonna do? Cry like a little bitch? Or get to work?
I just bought $15,000 VOO on Monday 🤷🏻
TFW when you open up a short position just before the index funds all auto buy on the 15th day. Get ready to be keelhauled by Vanguard's VOO/VTI.
Vanguard S&P 500 ETF NYSEARCA: VOO 602.30 USD -28.98 (-4.59%) past month Vanguard Total International Stock Index Fund ETF NASDAQ: VXUS 78.01 USD -4.39 (-5.33%) past month
My contributions are automatic and they split into 2 funds - VOO, FXAIX. Why would you contribute less when the markets are “bumpy”? These are the times where you get the best deals.
I used to be primarily in VOO. Now I started buying VT. VOO has outperformed historically, but VT has beaten VOO the past year.
If SpaceX immediately joins the SP500 and tanks, does it crush ETFs like VOO?
Yeah that’s why you are better off going with something like VTI over VOO, and then add some VXUS to the mix.
I don’t have much in depth knowledge about investing so can someone help me understand how I can protect my investments in QQQ, VTI and VOO? Is selling and buying different ETFs the only option? Seems like for now QQQ will be affected and when S&P500 makes the same change, VOO will be affected too. VTI might not?
At this point indexes like VOO are basically a magnificent 7 with how much weight they have within the index. I don't really like this idea because I want to be able to shy away from companies like TSLA. I've heard of Wallace Finance a few times and they allow you to change the weight in market indexes or exclude companies and it rebalances the portfolio automatically. Has anyone else tried something like this?
Nothing wrong with taking profit even if it’s small. There will always be another time to enter at a better price. It’s the way she goes. Unless you think VOO is gonna moon from a ground invasion 😂
So if you had say 1/2 your port in a VOO equivalent right now and you have until 7pm EST to sell it would you or just ride it out? That's where I'm at right now.
unless OP has majority of his holding on VOO/SPY index funds. He will be exit liquidity for SpaceX folks. Please prove me wrong.
Today could be the last day you can buy VOO at 602 :)
It is lame. MSFT is apx 5% of VOO, which is in a downward trend, maybe Ai is a real threat. I actually sold some VOO because I was up 30% and wanted to take some profit.
I started investing last year. It was a tough call but after lots of research I decided to go all in on VT for my Roth IRA and brokerage account. I was tempted to do performance chasing and go S&P 500 with something like VOO but ultimately decided on VT being unsure what the world will look like in 20 years.
I do have an account that’s basically just VTI and VXUS as well. But I do enjoy buying stocks and following it. I just don’t worry about it anymore. And for me personally I prefer VTI over VOO for the exposure to mid and small cap stocks. That said, there really isn’t a lot of difference between the 2 anymore due to the Mag7 taking up a majority of the entire US stock market which is really lame. I’ve contemplated going to an equal weighted us market ETF but just assumed that the fees would be materially increased and that it wouldn’t really be worth the increase in fees.
Stupid Webull app bought $10 of VOO recurring investment at today's top
Sorry boys I bought 0.35 shares of VOO
Dollar cost averaging into a S&P 500 low cost mutual fund like VOO has given me the best results by far. But I’m retired and I like to trade.
Yeah good call, I've been moving a bit towards VXUS. I'm even getting a bit wary of VOO and other S&P indexes at this point though. The top 7-10 companies take up around 40% of the index which seems crazy to me.
It's obvious to anyone with a brain that this is one last big fake pump before the announcement tonight that we are going in... Gonna be getting going long on VOO at 540 and then 500 and 450 good luck out there.
Well, that kills my usual “VOO and Chill” mentality. Sounds like I’m gonna be doing a lot of research soon
Ok 658 is close enough. Sold all but 100 shares of VOO in the 401k. Good luck to all. Will start buying back in at 630 next week
Just buy VOO and chill. Don’t overthink it.
VOO/SPY is diversified enough for me but if diversification is a priority for you, you can also consider an index target retirement fund. If you’re looking for resources to learn more I recommend The Money Guys on YouTube. They’re financial advisors that give general advice and they give recommendations for all areas of personal finance (investments, spending, savings)
Nah, VTI and VXUS. VOO is just the S&P 500…not very diverse.
VOO 10% average return on investments since 1927
Im confused, I’m invested in VOO and QQQ, I know QQQ is affected by these but what about VOO?
He's not timing anything though. He just doesn't buy companies that he feels are overvalued, and the last few years he sees no compelling prices. His analysis on what's a good price is clearly lower than what others think. So if he's right, the whole market is overvalued. If he's wrong, he's missing out on high growth companies. Either way, his recommendation to jorndk people is to just buy VOO and chill.
Guessing Warren the Great would say: Just buy Coca Cola, Visa, Cincinnati Financial, Union Pacific, and reinvest all dividends. Or put 90% in VOO and be happy.
It is important that you invest. Start by building up a base with an S&P 500 ETF like VOO, SPY and IVV. Get that to $20,000 and use it as a solid portfolio foundation. Just let it grow. Then, look at some higher growth stock ETFs and individual stocks with long term earnings power. For ETF, I like Wedbush Dan Ives AI Revolution (IVES). My largest individual stock holdings are NVIDIA, Comfort Systems, Crowdstrike, Broadcom, and Goldman Sacks. I periodically buy on pull backs, but mostly let them grow. If you want to gamble after doing this, try deep in the money call options timed around an event like an earnings report or election.
Lets see 660 and I am selling all but 100 shares of VOO in the 401k
just buy VOO every time we drop 5%
I'm actually on the phone with them right now...on hold. She said they had a system problem on Monday which may be the reason for the delay. She's looking at things while I wait. Strange though, because I received my dividends for VOO and QQQ as normal....just not VUSXX
I'm currently 17M and live in America. I have a lot of money saved up from freelance work (about $20k in savings available to spend w/ another $10k set aside for taxes) and I'm not sure of the best way to start investing it. I don't currently work a regular job. I put $10k into my Fidelity account around December 2025 and started doing auto investments of about $210 per week, and I've changed my strategy a few times. Right now, I'm investing $180 divided between 3 funds ($75 in VOO, $75 in VTI, $30 in QQQM) along with $30 in FSELX, but I'm not sure if I should try and simplify my portfolio or expand. Additionally, I don't want to put too much into investments at once, but I wonder if I should increase the amount I'm investing on a weekly basis to get more money into the market sooner. I'm not too sure what my future's gonna look like so I don't have any goals other than being able to afford 4 years of higher education and live on my own eventually. I have no debt currently, and I'd prefer a more proven, long-term investment strategy, but I'm okay with some risk.
After reading what everyone has said I think I have decided to go with VOO and some VGT because I think the technology is going to keep going up.
Pick a broad market ETF with a low expense ratio. Pretty much any of them. Avoid dividends. Absolutely avoid covered-call income funds. Completely ignore the degenerate gamblers in this thread that for some reason mention options. Instead of SPY, look at VOO. The expense ratio is lower. At your age, it’s as diverse as you need. If you want something else for whatever reason, going all in on VT or VTI would be fine, too. All of the above applies in your Roth as well.
Couldve been up 150%+ in VOO
Just moved $10K from HYSA to brokerage. Pushing it all to VOO and VXUS. Eating another delicious TACO!