Reddit Posts
What ETFs or Index funds are y’all thinking about bidding on? I really like VOO as a long term play for myself
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
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 $DRAM (up 13% today), evaluating alternatives.
Chasing the memory stock rally ruined my portfolio. Now I don’t know if my new portfolio will save me or make things worse
22, Nervous about Risks / ETF vs Individual Stocks
I backtested 44 Robinhood IPO Access deals. Why buying and holding is a trap and the hypothetical strategy that beat VOO
Top ways to invest in innovative companies through ETFs? High risk appetite
going all in on “small satellites”
Uncertainty with my portfolio, should I reallocate, trim, hold?
38M Canadian with Defined Benefit Pension: Looking for Honest Criticism of My LongTerm Investment Plan
Trying to ACTUALLY understand what is happening with memory stocks; not asking for predictions
Mentions
I kept everything as it is and added 400$ to QQQM, QQQM become 53% and NVDA 46%, and thinking I will add 100$ to QQQM till NVDA becomes ~20% of portfolio and then I try to add something new, maybe VOO or some other stock. For now I'm keeping it as it is, reason I wanted semis is that the semi stocks were dropped and I was thinking it was great time to buy now.
wow today destroyed me, i guess im just going to VOO and chill. idk anything lmao
This shit is ridiculous. VOO and chill till 🥭 out
Here is my take, if you need income, roll it to income generating securities, otherwise hold VOO.
Before the current administration there was a lot of good advice here, but it turned political and now you get doom and bad advice. But reddit started me on VOO in chill years ago and it’s been golden advice.
I prefer SMH over SOXX because there is more weighting towards NVDA and TSM. SOXX carries too much weight in AMD and MU for my liking. Not anything against those companies, but AMD has very high price premium and they haven't quite found that NVDA like anchor in the AI space just yet. MU still carries that cyclical worry. But NVDA and TSM are more or less the bedrock of semi space AI buildout. I don't really see any issue with holding some weight of all of QQQM, NVDA and either SOXX or SMH. I'd probably suggest you add VOO in there as well. Disclosure: Own QQQM, NVDA, SMH, VOO
Nah; Me and the Mrs both have 7 figure 401ks: VOO and chill.
Looking at recently deposited funds (not taxable) of 1.8M sitting in a taxable brokerage account. Not sure whether to go with AUM for about .8% fees yearly or just managing funds myself with guidance from the same advisory firm on a per hour fee periodic advisory schedule throughout the year. USA based, age: 49, still working full time gross w2 wages of 120k, with about 575k in a pretax retirement account. No debt or mortgage and not interested in buying real estate at this particular time. Given my age, I'm tempted to be more conservative investing this large amount of liquid assets. Would SUTXX (minimum 1M be too boring? Reddit tends to suggest self management to avoid paying fees but because this is a large amount to work with, I'm tempted to just allow the CFP to make these types of choices as I am not a pro. But off the top of my head, that's what I was thinking .. SUTXX, and the balance at 40% market tracking funds (like VOO) and 60% other types of 5% type less volatile products or even safer than than for lower rates, again, just given my age. Thanks.
To answer your question, my pick is SOXX. But I wouldn't go all in semiconductors for the next 5-10 years. I have a lot of nvda, but I'm trimming to move in VOO. If I have to pick 1 stock to go all in, I would pick Google. Nvda is strong but it's extremely vulnerable to capex spending. Any news about slowing capex, semis could plunge 10% or more. There's reason that Buffet picked Google.
honestly this is the best advice for new investors but they never listen till they lose money themselves i did exactly this with VOO and some random stocks i was sure would moon, spent months checking prices every hour like a crazy person. now everything just goes into the boring fund and i sleep way better sometimes you gotta touch the stove to learn it's hot
In theory, could a hacker or AI hack into Vanguard and make VOO sell off all of it's holdings?
SOXQ has the lowest ER of the 3 you mentioned and has been outperforming SMH in the last year or so. Who knows if it will still continue. SOXQ is also not so top heavy with Nvidia like SMH. Chances are if you have VOO or growth ETFs you have chunk of NVDA.
My play would be VOO lol ima long term holder
invest in VOO, you get better return over time because the management fee is so much lower.
Bro I just dump all my money in VOO and UPRO IDK what you're talking about I'm just here for the memes.
VOO will beat BRK over the next 10 years. Mark it down.
just invest 100 dollars a week into VOO or similar. investing takes 10 plus years to get going.
VOO, keep buying until you’re 55 yrs old.
Stick with VOO/VT, no need to take risks on individual stocks
That’s why you invest in broad market indexes. SPY, VOO, QQQM, IXUS, VTV etc
Looks like VOO is just doing its job, but whatever helps you.
My brokerage account outside of RSUs from work is entirely VOO, QQQM, and SCHD. as my RSUs vest and short term capital gains tax falls off of them, I just sell and use that capital to buy more of those 3. Doing a 40/15/45 split, in that order. I am not a financial advisor and do not claim responsibility for your financial ruin, however. But it seems to be working out pretty well for me. 🤷♂️
I was 100% in stocks until recently. Just yesterday I sold my AMD position for a 392% gain. Thats going to my ETF fidelity basket. I still have SOFI and thats going to be sold once the market starts showing it the respect it deserves. That will also be going to my ETF basket. By the end of 2027 I should be 100% ETFs. VOO, VXUS, SPMO, and AVUV for anyone wondering which ETFs
6 months' expenses in HYSA or something like SGOV. The rest, if for retirement, put in VT, VTI, or VOO. Depends on how much you want to divesify, and your investing beliefs. VT will give you world exposure, including the US. VTI/VOO is just the US. You can always change things up the more you learn. You may want to dabble in individual stocks (more risk/more reward), but learn how the market works and how to evaluate single companies first. Otherwise, you're just gambling. Don't trade. The majority lose. If you still want to consider it at some point, make sure to paper trade first for a while to learn what system works for you. Then, when you start with real money, risk management is the most important factor. Start with very small trades you can stomach losing until you can see if it's something you can even be good at. Psychology will be your biggest barrier to overcome.
This is such a regard take. 80-90% wealth in VOO 10% generating another 80% YTD. Tools -> scanners and basic chart setups and really fucking good risk management.
I made googl one of my top holdings in spring 2025. That pick alone is making me beat my holdings in VOO. Sometimes it pays to pick individual stocks.
I do better than the VOO with my individual stock picks, but thank you for the advice.
What if I invest in VMO and VDY but don’t touch VOO cause Yankee icky?
Pro trader has a steady income and his own savings are just in VOO
I said the GOOGL owned inside VOO went up the same amount as BRK. I didn’t said VOO went up that much.
Day trading isn't going to do anything for you with $10k. You need a large amount of capital to make any investments worthwhile. You'd be lucky to make 20 bucks a day if you hit on the right stock at the right moment. Plus, most brokerages wont allow you to make more than 3 trades in a day with less than $25k in your account. Don't even consider day trading at this point. For you, I recommend first maxing out your Roth to the annual $7.5K contribution, then invest within it with an ETF. I like Vanguard, so if you want the S&P, choose VOO. If you want international markets, choose VXUS. You can do a mix of those if you want to diversify, or even try a global fund like VT. Do some research so you know what you're getting into. But once you're in, just leave it. Don't buy and sell to try and corner the market or whatever - just let it reinvest and compound. Every year, add as much as you can to the Roth up to the contribution limit. With your remaining $2.5K, open a regular brokerage account with a firm like Fidelity, then invest in boring stuff like what I mentioned above. There are many other ETFs you can consider that encompass specific economies and business sectors if. Don't bother with stuff like JEPQ - $2.5K won't get you more than maybe $250 or so a year, and it's taxable income. Just invest in long term growth funds and keep on doing it over the years. It's not glamorous at 28, but when you're old and wrinkly you'll be glad you did.
Good advice. I max it out, invest in VOO, and let the dividends reinvest themselves. Set it and forget it.
Get a Vanguard account, start auto investing with VFIAX (VOO equivalent), do the same with VUSXX (money market fund). Figure out an amount for both, consider it part of your bills, set it and forget it. Don’t do HYSA, they can collapse and you might be SOL. See More Perfect Union’s report on HYSA. Also: influencers recommend HYSA not because they’re good but because they get referral bonuses.
I made that mistake.. arrive trading leads usually to losses. Stick to VOO and qqq, but yeah it can make you complacent and then give into get rich schemes or
I think you're mistaken. BRK started their position in Google in Q3 2025 and VOO is up 14% in that time so BRKs position would have a 6.5% lead at this time
An investor who owns VOO is also up 21.5% on Google over the same period of time.
Kicking myself I was just $800 under at one point and just held. I should have sold then and reinvested into SCHD & VOO
What? I can't tell if you're a bot or just started investing. With the tariff dump from 14th of February 2025 to the 2nd of May 2025 VOO dropped -7% and BRK went up +12.5% over the same period for a difference of **+19.5% versus the wider market**. During the calendar year of 2022 VOO dropped -18.1% and BRK went up +4% for a difference of **+22% versus the wider market.** From 2000 to 2002 through the Dot Com bubble, the S&P dropped 37.6% and BRK went up 29.7% for a difference of **+67% versus the wider market.** This trend happens over and over throughout market history. When the market slumps BRK tends to have less steep declines or even moderate growth and tends to rip before the wider market has even recovered. **If you look at the 13 calendar years when the S&P was down, BRK outperformed the market in 11 of those years by an average of +15.7%**
greatest advice I ever heard was “time in the market beats timing the market” so I DCA every time I get paid bro same thing I do in my Schwab that holds my VOO
Brother, totally, specifically for this year 3/27, 3/30, 3/31 was the test. U literally are done trading for the year if u slammed it like a double down on the blackjack tables. A second day is July 28-31 which I call the Leopold day aka deleveraging event. Wall street ganged up and knew his port was levered in certain ways so the AI traded rotated out to AAPL, JPM, etc and he got margin called (but up 80% at least!) Cheers to the patient ones here waiting to pounce. Let's effing go! S&P and chill. FWIW: SPYM, IVV, VOO all have cheaper fees than SPY.
Since May of last year I have trickled down from $84k - $59k. $8k of that I lost in the first few weeks. My ability to trade as well as my luck has progressively gotten worse. I don’t even get risky.. my biggest problem is paper handing everything. But when I don’t cut my losses my position never bounces back. eventually I cut but then I miss the recovery. I have lost $10’s of thousands all because I thought the economy was going to keep eating shit after liberation day and I fucked up all those gains I could have made. It makes me want to eat a bullet with how bad I have done. The last few months it is like *every* move I makes immediately reverses the moment I get in. Shit will be flat or just a stable holding pattern or there will be a longer uptrend that looks reliable and the fucking moment I get a position the stock will tank. I could be watching a stock riding support for hours, see buy signals and as soon as I take a position it will lose support. You would be amazed at how often this happens vs not. And if I hold, it will keep going down. And down. And down… and I cut my losses and IMMEDIATELY it recovers. I even put almost everything into VOO and that shit just stagnates between $690 - $702. Before trump got in, before the AI thing blew up I could buy options and hold them for days, weeks and keep it controlled. I wouldnt *dare* hold options over night any more. Stocks shouldnt be moving 10% every day. My retirement is fucked. Im 47. I cant put $59k into index funds and retire…
I know. I browse wsb for the comedy. And tragedy. Meanwhile I really do just buy and hold VOO (well really VT but it’s mostly VOO). And it has made me quite wealthy. But it’s too late. They already portrayed me as the drooling dog.
21 and already got VOO, VHT, VXUS sitting there. You're doing better than 90% of people your age, no roast needed. With $4k to mess around, I'd look at sectors where you actually understand the product or use it yourself. Makes the research less boring and you'll spot trends before the suits do. Don't try to pick 20 different names, pick 3-4 max and track them closely. Spread too thin and you're just building another ETF with worse diversification. Biggest mistake I made early was selling winners too quick and holding losers hoping they'd bounce. Set a mental stop-loss even if you don't put one in the platform.
you're 19 with 41k in mostly VOO, you're already miles ahead of most people your age. fed days always bring jitters but selling because you're nervous is exactly how retail investors lock in losses while the big money buys the dip if your time horizon is decades then a single rate decision barely registers as a blip on the chart, just keep adding when you can and stop checking it every five minutes
…or be a regard and gain more in one trading day than all the profit gained by VOO over 30 years…and then lose it all the next trading day
my buddy lost his puts during the last recession but still held VOO calls like a champ
buy VOO always and still have profit in 30 years. or be a regard and lose all your savings in one trading day
All 4 should say but VOO. If you stopped buying in a recession you missed out on all the value of DCA
Too much text. Smoll font. VOO shill. Bad meme :(
Fuck it. No more puts, no more USO, no more 0dtes. I’m just going to park all of my money in VOO, QQQ, and ARK. If Cathie Woods tells me that by 2023 Starship is going to have 10,000 flights a year and that Starmind is going to self-drive my CyberCab through Dubai while I use Palantir’s $200/hr Stalkr app to get dirt on my ex who dared to have 9 side pieces instead of having 8 like me, a good boy, then I’m just going to believe her. My only mistake as an investor was having a frontal lobe when Anthropic should clearly be doing all of my thinking for me
Blackjack risk tolerance is just VOO panic in a tuxedo.
This market is so retarded, I feel bad for people putting their savings in the SPY/VOO slop. It's so unstable and bloated
I went from 20k -> 5k -> 70k -> 0. Park it in VOO!!!
> I figured investing at least long term, would be fool proof and pay off eventually. It is and does. You just have to consistently DCA and hold broad market ETF's like VT and VOO. Buying options is not long-term investing, even if they are LEAPS.
\^ this is not accurate. SPMO outperformed VOO during the 2 most recent drawdown years of 2022 and 2018. SPMO returned -10.45% in 2022 compared to VOO of -18.17%. SPMO returned -0.92% in 2018 compared to VOO of -4.50%. over 10 years SPMO averaged 19.9% annualized returns as compared to VOO of 15.4%.
funny how every single advisor tells you not to time the markets. and yet every single person you watch who isn't talking about VOO and chill is literally timing the markets every day.
If someone kicks your left ball, you let him kick your right ball. Nottt why don’t you buy VOO instead.
BRK outperforms the market when the market is poor. I think the market is going to be shaky in a bit. Personally I’ve ported around 15% of my portfolio into BRK. It’s a hedge. BRK is tied to strong valuations. Any selling should be met with buying since that would make it “undervalued”. The same can also be said for VOO. Many 401ks are tied to VOO, and there are coming to be more retirees than people entering the workforce. Couple that with the fact the economy is so poor the average young person doesn’t even have a 401k. There will be selling pressure on VOO as well, and that’s less tied to actual fundamentals.
2 thoughts 1. Feed your holdings into AI and have it tell you how much percentage wise is in Nvidia/Apple/etc . I bet you thought QQQ was the tech heavy one and the others were diversified but the Mag 7 is like a third of VOO and a quarter of VTI (I am pulling these numbers from my ass) 2. Consider some precious metals for your Roth because the Roth is tax advantaged and Gold and Silver are tax heavy
The historical correlation between VTI (Vanguard Total Stock Market ETF) and VOO (Vanguard S&P 500 ETF) is 0.99, meaning they move together 99% of the time.Key Correlation DetailsNear-Duplicates: Because VOO represents over 80% of VTI's total market capitalization weight, both funds share the same top mega-cap holdings (like Apple, Microsoft, and Nvidia) with very similar weightings.No Diversification Benefit: Holding both funds together provides virtually no extra diversification because a drop or gain in large-cap stocks impacts both funds almost identically.
I don’t think Birk will be beating the market on average moving forward over the next 15 years. I’ll been buying VOO exclusively over Birk aggressively over the past 3 years and it’s more than paid off and won’t be shifting just in case. This next generation isn’t excited about Birk and when boomer RMDs really ramp up the people who love and a really believe in Birk will be selling on a punctuated basis whether they want to or not.
We are only really talking about forward looking though, I.e. would it make sense to shift some $$$ from VOO to BRK today.
VOO is great. I recommend VGT over QQQ long term because its a much lower expense ratio. Stick to low cost index funds unless you want to get really into investing and having it take alot of your time and effort. I would also look into a VOO/VT split, so you can hedge against the US (just in case). I also recommend coming up with % of your income that you can invest and automating it so you can set and forget.
Invest as much as you’re able to in a low cost index fund like VOO or VTI. There’s no safe way to “catch up” without risk, but the best time to start is today. Max 401k and IRA, then put the rest in a taxable brokerage. Look up the bogleheads method
If your employer matches some of your 401(k) contributions, try to at least contribute enough to get the maximum match. If you think $13k is enough for an emergency fund, leave it where it is, or put it in a brokerage account and buy a money market ETF like SGOV or BIL. At 35, there's nothing wrong with splitting your investments in some fashion between VOO and QQQ. You can get more conservative down the road when you're much closer to retirement.
In that time Birk has lagged 30%. Crash will have to be massive to overcome the returns of those who just bought VOO during that same period, DRIPed dividend just held. If it continues to lag that’ll be even more true.
trade 0tde on VOO and we can talk
You only want 30-40 stocks, as that is all you can follow. Or buy VOO and QQQ and pick 5-10 stocks.
r/wallstreetbets buying VOO? What kind of twisted shit is that?
my two cents: Your No. 1 and 2,4,5,6, 9 are essentially overlapping (S&P already highly concentrated in these) positions. I'd roll that all into VOO, or better yet BKLC. I'd only keep 3-5 other satellite positions (maybe 8 and 13) if you want to try to "pick the winners". Stats indicate you likely will not be correct. 15: Yes, i'd lump sum the cash into BKLC/VOO. Finally, BTC is not a store of value, as we've all seen recently. it is a speculative commodity with no real world use. If you want something truly diversified add GOVZ, IAUM or DBMF (in the correct account).
This is a good read: https://www.bogleheads.org/blog/portfolio/the-bogleheads-guide-to-investing/ Simple beats complex. Investing isn't hard and it's been described as a "solved problem" - use a low cost index fund and give it a thorough ignoring. VOO is a good choice - you'd probably be better off than 90% of every other investor just using that. You might consider using "VT" instead - it's a total world equity index so you get broader diversification. If you want some good YouTube watching, look up Ben Felix of PWL capital.
I started in 2020 and noticed I was lagging the s and p 500 returns a ton stock picking. Ever since then I just went straight VOO/VT/VTI and I've more than doubled my money in less than 6 years.
100%. I am a US citizen living in the EU, and due to tax and accessibility constraints, I am basically limited to single stocks, so I have a basket that I hope will mimic something like VGT or VOO.
37% VXUS or equiv Think about your bond tent in terms of years you want covered in your earliest years of retirement/withdrawal imo, not in %-of-portfolio. If your bond or bond fund matures in 6.7 years, then buy most-of-a-year's-worth-of-spending-and-expenses of that fund sometime around 6.7 years before your target retirement. Set it up to be monthly or quarterly for however many years of insurance you want. You'll probably be fine having 80% of each year (that is 80% of your "leanest" year + med) covered by safety like a bond tent, and take small losses on selling your VOO or whatever if it's down for an extended time in early retirement to cover the rest. After funding it for 1 to 3 years, then thin the tent out as you accept that you probably took losses unless you got "lucky" with a bad market that extended perfectly during what would have been your mostly costly time to lose your principle.
Yeah close it all and put it into VOO. The tax man is going to get much more than a pound of flesh out of this.
Bought VOO for the first time ever last week. Trying to be less retarded. It’s been down since I bought. Motherfucker.
I agree mr kirk, i cant even put more into this yearly, I was thinking SCHD VXUS and VOO as my 3
If VOO were a commenter
\> . You said SP500 is a measurably better fund because since VTs inception it has doubled. No I did not. You seem completely confused here. \> That claim doesn’t hold if you normalize for the time period - you’re ignoring the Japan run of the 80s for instance. I did not mention this, but since you did, it would again be idiotic to include Japan in the 80s in any comparison to decide investments now. Soviet communism is gone. China not only has a stock market now but is the second largest market in the world. It would be idiotic to make a comparison to such a different world. You seem to be grasping at absurdities, like wanting to judge US Steel based on its performance in World War 2. If you want to make a decision between VT and VOO today, then look at things today, and prospects of things going forward. What happened in 1876 or 1976 or anytime before the fall of the Soviet Union and the establishment of the Chinese stock markets should make no difference in your judgement, or at least no more than .000000000001% consideration.
in my view SPMO and QQQM are just better versions of VOO in up years. if voo is doing bad the other will probably be down as well but if it’s up than the other two will be up more and that’s when i’d pull out.
there are a few thing here so let's separate them: - the 5.75% fee is something to avoid. this is a sales commission to whoever sold you these products. - American Funds has some very good investment options, if you can get the lower-fee versions. ignore the haters, they literally don't know what they're saying. if American Growth Fund means AGTHX, it is actually a fantastic fund with a very good long-term history. the fee is high on your version, but the underlying fund is good. you were not sold garbage. - however, you can open your own Roth IRA and buy the ETF equivalent CGGO without the sales charge, and a lower expense ratio. you could buy GFAFX, the version sold to retail investors without a front-load fee. > said that even with the fee, the funds are getting 7 - 10% returns each year. I checked my roth balance for the first time today, and see I am DOWN almost 11% since I have been contributing. - being down 11% over a short period of time doesn't mean it's a disaster. averages can describe a very long period of time. if an investment averages 14%/year for one decade and 3% a year for the next decade, that means it had an 8.5% average for the entire 20 year period. > Part of my investment strategy is VOO and chill I'm old enough to remember when the S&P 500 went flat for 12 years 2000 to 2012, and small cap US, bonds and international stocks stomped the S&P 500. so "VOO and chill" makes my skin crawl, and I recommend small cap and international diversification of some type in addition to VOO.
Buy VOO and forget about it until you retire
There’s nothing wrong with VOO and chill. If you want VT instead then diversify out into that but don’t trigger a taxable event doing so. Frankly you’re over analyzing it. As long as the US is where people want to live, innovate, and start businesses (it still is) then everything is gonna be fine.
Please act like you have a brain. Obviously you can’t DCA if you don’t have income. If you are near/at retirement age and have no income you need cash/liquid-low-risk reserves to draw from during downturns. If you are retirement age you need 3-5 years of expenses set aside to buffer so you don’t draw from principle during recessions. 2 fund portfolio. 90% VOO/VTI and 10% cash (or whatever cash amount gets you 3-5 years expenses). It is that easy and simple to account for downturns with no income.
I understand the idea, but SPMO, QQQM and VOO are basically the same stocks in 3 different buckets. and those are 3 ETFs that performed well in the past, but they may not perform well in the future. something like IJR, small cap US stocks, might beat all 3 of those over the next 30 years. we simply can't predict the future that far out. we can make educated guesses about the next 10-15 years, but beyond that is completely unknown. the thing about VOO/VXUS isn't that it's necessarily the best performing option. the problem is nobody knows what will perform best over the long-term. the reason people use VOO/VXUS is to get average market returns at very low cost, and avoid 'tinkering' with the portfolio. there's research showing savings or contribution rate is the most critical part of investing success, and making too many changes or adjustments can be a problem.
If you want a simulation of how it is to be a realtor; have a $500k+ port put into VOO/QQQ shares Do nothing for a few days, make 3% ($15k). Just like a realtor lmao 🤌🏾
Ok, so why so many words in the rest of your post? If the S&P itself crashes, VOO likely crashes, and thus VT likely crashes in a substantially similar manner....so why was the original post your responded to "generic and terrible" advice? You're still basically saying the same thing.
Using a VT proxy (global index) until its creation, and then comparing it to the SP500. If someone invested $250/mo and reinvested dividends. The VT portfolio would be $351,000 while the VOO portfolio would be $511,000. VOO beats VT in chill in every long term environment regardless of any economic downturn.
Why VT vs VOO? Wouldn’t you prefer VGLT or something to hedge a crash?
The VT to VOO correlation is so high that this is basically irrelevant. If the US economy "crashes", which you have no idea if it will, it will bring all markets down with it. Any big index fund is going to be basically the same unless we're taking very specifically allocated index funds.
You’re not learning the lesson. Stop worrying about that position. Setup a weekly auto buy of VOO for whatever you can afford. Sell only when you have something urgent to pay for. You’re already talking about selling that small position and not talking about what you have to pay for. Auto invest, don’t panic sell. That’s all anyone really needs to know. There are no prizes for % return, only the size of the bag matters. You would have been better off doing 20/week of VOO, the bag would be bigger. Best of luck.
You made some fair points up until the end. VT and VOO have tracked similarly over the long-term and your strategy would've netted fewer returns when back-tested for DCA'ing over the 2000-2013 time frame you gave.
Cash out, buy VOO, and use some for SPY ITM leaps
And once again, buying opportunities for their DCA buys from each paycheck. But my point was that this applies to today’s investors. If they keep buying broad market index funds VOO or VT, and hold from early 30s through to retirement around 65. Rebalancing into bonds/fixed income as they near retirement. They will be fine and make it through the next “Lost Decade”.