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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
Or tl;dr it: Buy and hold VOO (or a similar whole market index fund) forever (for lots of simple reasons).
Guys who didn't invest in ai stocks the last 3 years = there's a bubble. Guys who did invest in ai stocks the last 3 years = ai is just getting started. Who is right? Lmao. VOO and chill mofos.
The average advice here is to go VOO/VTI/VT and hold.
Would VOO or QQQ be good options?
When people say buy VOO they just mean buy an S&P500 index fund VOO is just shorter then saying "S&P500 index fund" ; its sort of like when someone ask for a kleenix they don't necessarily mean a kleenix brand facial tissue, they just want a facial tissue
A lot of overlap. I would switch out RSP for VOO.
A good example is eschewing tech over the last decade and holding small cap and international hoping they will get off life support. That international has done well in 2025 is of little consolation for all the lost years. Same goes for “VOO and chill” when QQQ returned more than 2x.
So many people have absolutely no knowledge base surrounding investing or what an ETF even is that it’s often safest just to say invest in VOO because it’s extremely well known and it’s reputation would probably feel more trustworthy to the new investor than other lesser known etfs.
I COMPLETELY AGREE The OP is 18. Tech will outperform VHT by miles. At 18, he needs to be aggressive. Even VOO has outperformed VHT by 5% the last 10 years. In the last 10 years SMH has outperformed VHT 30.6% vs 9.7%. Tech will remain dominant for the next 20 years or more.
Its shorter and easy to remmeber. At this point id think VOO and s&p500 fund are interchangeable. I dont recommend voo tho unless one is factor investing or has other funds selected for domestic mid and small cap
Don't waste your cognitive effort on investment. Pick a very simple strategy and automate everything, literally don't think about it. Use your time and energy MAKING money, not on investment. this is the most underrated aspect of boglehead/index investing IMO. Of course it works well in practice in terms of returns. But it also frees you up to actually make more powder. I literally just withdraw X% of my paycheck and autobuy VOO in my brokerage account. I've been doing this for like 10+ years, I have 95% of my networth there and I don't even look at the price more than a couple times a year.
If I was starting again at 18. I wouldn't invest in VXUS. Until this year VOO has outperformed VXUS. Even the last 6 months VOO has outperformed VSUX. I would suggest investing that $100 monthly in Tech funds like SMH or SOXX. Tech has been dominating since the 1990s. I don't see that changing over the next 20 years.
Because "invest in the sp500" is too vague for people. They go, "which fund?done one have a better expense ratio? I'm at charles Schwab, does that matter?". It's easier to just tell them to invest in a fund. VOO is a lot easier to type than FXAIX. Doesn't even matter which one you choose, it's just easier to remember the name of VOO.
I had never heard of "buffered ETFs" until your mention of them. I had to look it up. The largest one by AUM, BUFD, has an expense ratio of 0.95%, more than 30x the ER of VOO (0.03%). I don't need to know anything more than that to decide that BUFD is a losing proposition. But on top of that, it's listed as actively managed, so not even a passive index fund, which is also a no-go for me.
i recommend SPY, never understood the VOO thing
As with a lot of things tax related it is not that clearly specified. ETFs that follow different indexes are clearly OK. Many people will even swap between ETFs that both follow the same exact index, such as the SP500, but which are run by different ETF managers (for example, SPY and VOO). That is pushing it too far for my taste, but so far the IRS has never challenged that. Roboadvisors such as Wealthfront and Betterment have published white papers on the tax loss harvesting techniques where they simultaneously sell and buy "similar" ETFs, such as VTi/ITOT/SCHB if VXUX/IXUS. The IRS has never challenged them for doing this, so I am comfortable doing it. https://www.investopedia.com/terms/s/substantiallyidenticalsecurity.asp is a simple to read article about the subject.
I’m inclined that healthcare would thrive in 2026, hence the addition of VHT, but I’ve considered replacing VHT with just an individual stock, say Pfizer, on top of my VOO, QQQM, and VXUS. Thoughts?
The objective of my post is to get money into the market on a regular basis. Being optimal is not the goal, although that can follow as you learn more. Everyone knows and can easily buy VOO. Getting money in the market should be the objective.
À 18 ans avec **30+ ans d’horizon**, tu joues le jeu le plus facile à gagner : **le temps**. **VOO** = pari concentré sur les États-Unis (excellent historiquement, plus volatil, plus dépendant d’un pays). **VT** = le monde entier en un ETF (moins de biais, plus robuste sur très long terme). **Choix rationnel** * Si tu veux **simplicité maximale et diversification automatique** → **VT seul**. * Si tu assumes le biais US → **VOO + un ETF international** plus tard. **Options solides** * **VT (100 %)** → solution “set & forget”. * **VOO + VXUS** (ex. 70/30) → plus flexible, même logique. * Évite de multiplier les ETF au début : la discipline bat l’optimisation. **Règle clé** DCA mensuel, aucune tentative de timing, réinvestissement automatique. À ton âge, **la constance compte infiniment plus que le choix exact entre VOO et VT**.
Just put whatever excess cash you have in index ETFs. Sometimes you’ll want to buy an individual stock (nothing wrong with that!) but need some time to do research or think about it, and months can easily pass while life gets busy. I like to just keep as much invested as possible, so things like VOO are just usually no brainers for me. If I can’t think of something else to invest in, just buy that!
I'm going to keep it simple in 2026. A bunch of VOO and a bunch of VGT. Sure there is some overlap but that's fine.
Except VOO at the US market valuation top is a bad choice, too!!! [The Case for Investing in the International Market | Charles Schwab](https://www.schwab.com/learn/story/case-for-the-international-market)
>Is there a reason why so many people on here suggest VOO instead of saying something like "an S&P500 ETF"? Simplicity, brevity. I also will say VTI rather than "a total US stock market ETF" and what I really invest in is a mix of ITOT, SCHB, and VTI as I tax loss harvest between those three "total US stock market ETFs".
It doesn't particularly matter. As long as it has a low fee and roughly matches the market, those are the only truly important rules. I have around a 20% allocation in VOO as the backbone of my portfolio, and I have around 5% in VIG so I can have some realized returns in the form of dividends. It works, and I didn't really want to overthink what is supposed to be a "set it and forget it" investment.
Is there a reason why so many people on here suggest VOO instead of saying something like "an S&P500 ETF"? If youre with Fidelity they have FXAIX which run with half the expense ratio compared to VOO (miniscule difference at the end of the day). I dont mean to knock the advice since I DCA into FXAIX every paycheck, just curious why we generally recommend one investment product over the others or even just saying "invest in an S&P500 ETF."
I exited my employee stock in a SP500 Co and put it all in $VOO. I have an automated buy that comes out of my account monthly.. I never log into my account. If the SP500 implodes money probably won't be of major concern. I sleep well at night.
You can do whatever mental gymnastics you want. Bottom line, you are down on a year where people made money hand over fist. You would have been better off just sticking your money in VOO instead of deluding yourself into thinking that you know what you are doing. If you are getting outperformed by a high yield savings account, then you aren't a successful trader, and it is absolutely irresponsible of you to be giving advice to anyone.
You've somehow never heard of VTI or VOO?
https://totalrealreturns.com/s/NOBL,VTI,VOO They've underperformed almost all of the past 10 years. It's still arguing with charts from the 80s when investing has changed significantly since then.
If you are trying to flip $12k into $100k in a few months, welcome to the casino. But if you are trying to build wealth and stay rich, yea, VOO is safer for you. Once you have a solid foundation then you can play a little.
> in tech ETFs Habit 1 that more people don't do: invest in broad market index funds (VOO/VTI/VT) rather than individual stocks or sector-specific funds.
I’ve learned to take some profit, and it seems to be a good thing. Your favorite stock goes up 15%… sell 15% and roll it into VOO or something similar. Good chance that stock goes back down that 15% in the next week or 2
I'm a relatively new investor. Over the past 8ish months anytime the market dipped ~1-2%ish I put some money into VOO. If it dipped more I put more in. If it kept going up for a few weeks I left it alone. I thought buying dips would maximize my returns. Recently I did the math and learned my average purchase price doing this still resulted in a higher average than if I just DCA'd the money weekly. So now my fidelity account has a weekly DCA and I spend a lot less time checking my stocks daily.
Put something every month, regardless of how small, into your investment account and buy VOO. Over time, it adds up.
SPYM or VOO 60% - s&p 500 VEA or SCHF 40% - developed international no china
Thank you for sharing! I really appreciate the insight and different perspectives. And thank you very much for helping me understand the uncompensated risk concept. I kind of get the idea but the way you put it is very succinct. Love it. Re: Risk level, I get your points. My counter argument is that U.S.has a lot of concentration risk on AI compared to VT which is significantly more diversified. I guess my understanding of the general advice might be ranking the usual threes (VT, VTI,VOO) by the level of diversifications
You got it mostly. I sell calls and puts in my trading account mainly. Naked strangles when I see vol rank spike. It’s all about number of occurrences to make the statistics work. Kind of like if I flip a coin 10x, chances I get a 5/5 result is actually less than if I get a 6/4. But if I flip 1000 times my 50/50 odds will be much closer. Really suggest going to tasty trade and taking beginning option course. It’s what really made me understand with “Mike and his white board”. For you though, you sound like you want to be a buy and hold kind of person. Selling the call is a way to take profit, but still hold the position. Options give you more options. They aren’t inherently “risky” unless you don’t know what you are doing. It’s like saying knives are dangerous. They are a tool and handled improperly can hurt you, but they are a very very valuable tool when used properly. This forum does not use options properly. It’s just gambling. When you buy stock you are essentially betting that it goes up. But over what time frame? Will it end up like Disney and be a dud for the next 30 years? Will it be the next Cisco and drop and not recover for the next 20 years? Or will it be Apple and steady as she goes? Will it be nvidia and just rocket to the moon? The question is what return do you want? What risk do you want to take on? And what time frame? Me personally in my long term, I would rather cap my upside to make sure I made money on my positions. I’m good for retirement as it stands, I have VOO in my Roths, When I make a 100% gain on a position, most people go to rebalance and sell stock. You can do that. But then you pay capital gains. I instead sell cc. I also don’t like buying much stock. I’d rather sell a put. I take on same risk but use 1/4 of the buying power, and if stock goes down, I still make money. Sometimes I have to chase it but it’s very rare something gets away from me (nvidia is one that did). It’s hard to essentially tell you much without overwhelming you. Go do the options course and at least you will get an idea of what strategies are out there. It’s way more than covered calls or just buying a leap. Anyone who says options are risky or gambling 100% doesn’t understand them.
It depends on how much you can invest to chill with 30 years on VOO, I would take a break reevaluate and try again. You still have 5k with a good trade you can recover and make profit with 1 trade good luck
A better way is to buy puts for your main ETF holding e.g. SPY or VOO. If markets go up you risk your principle which takes away from the upside of your ETF position, and if markets go down your puts gain in value and offset the loss of your ETF position. You can tune your risk / bearishness profile to wherever you want it to be depending on what option you buy.
Another way is to buy puts for your main ETF holding e.g. SPY or VOO. If markets go up you risk your principle which takes away from the upside of your ETF position, and if markets go down your puts gain in value and offset the loss of your ETF position. You can tune your risk / bearishness profile to wherever you want it to be depending on what option you buy.
I’d lean heavier into an index fund like VOO, VTI, SCHG, I jumped out of Google like an idiot few months ago and I bought at 150 (small position) Given the AI landscape, Google seems like it might be the quickest to monetize AI, and their potential move to sell chips of their own could accelerate sales and profits long term if it takes off. Not to mention their balance sheet is strong with lots of cash and minimal debt (unlike Oracle) I’m thinking about buying back in myself, good luck.
VT should not be considered any more conservative than VTI or VOO. In fact, I would argue that your order of conservative to aggressive is backwards! * VOO is US (a developed market) large caps only. Large caps tend to be safer than smaller caps, developed markets safer than emerging (and even among developed markets I've seen people argue the US is extra safe). * VTI is US only, but adds smaller caps, which should be seen as adding a more aggressive area compared to VOO. * VT includes smaller caps and emerging markets, both can be seen as adding aggression compared to VOO. Single country risk is also an uncompensated type of risk, even if it is the US. An uncompensated risk is one that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, sector, **or country.**
So you’re saying I can buy VOO at a ten year long sale price, then cash in year 11? Sold
Ok but spy will rotate bad companies out and bring good companies in. Same with QQQ. So you always have exposure to the best of the best. It’s insane to think that just because a lot of people buy VOO it is going to drop or stagnate
Full port VOO and chill with like $<100 / mo messing around on prediction markets.
Please check out [https://www.reddit.com/r/Bogleheads/](https://www.reddit.com/r/Bogleheads/) In general, I'd say the advice are: \- VT - If you are more conservative. This is all world ETF. \- VTI - If you are a little less conservative. This is all U.S. market ETF. \- VOO - If you are more aggressive type investor. This is S&P 500 or the top 500 largest companies in U.S. Good luck.
So the majority of your portfolio is QQQ, you use box spreads as "loans" that give you the funds needed to buy downside protection ETFS. I sincerely appreciate the response, utilizing box spreads for funding and the Sortino Ratio were completely new to me before this comment. Much better information than "VOO and chill"
XMAG iinstead of VOO would be my pick at this time. However over 10 years, some Nasdaq-100 etf.
VOO down less than 1% in the last week. Still up 1.44% in the last month, and everyone is talking like these are the end times. Wtf are you regards gambling on?
I literally started investing and maxed my roth ira on Feb 20 the last ATH before it started dropping. I panic sold when VOO was around 500, but then saw the Trump tweet that skyrocketed VOO back up and I panic bought at 480 before it went above 500. After that I realized how stupid it is to time the market.
Unfortunately, this is not mathematically right. Process => It stabilizes psychology, mind is disturbed by volatility, by having a process, we pacify the mind free from disturbance. That is all process does. Price => That gives a clear edge on return of invested capital. ROIC at $100/shar is lower than $75/share. My friend bought AAPL in 1998-2000 and holding now. He claims that he is better than buffet, return on invested capital. His cost basis is 23 cents => [https://imgur.com/y48vu5A](https://imgur.com/y48vu5A) Based on my analysis, better to buy/hold VOO or QQQ, when market dipped 20%, sell some VOO or QQQ and stocks which can grow long, esp top 20 companies of SPX at that time (Say mag7).
VOO has more AUM and higher trade volume - making it more attractive to invest in. Otherwise they're more or less identical, yes. There are hundreds of ETFs that all do the same / similar things.
Fractional shares? Yes, VOO is fine. Invest and walk away. Lots of passive investors have 50%+ of their portfolios in VOO. Some people have close to 100%.
Happens to a lot of people, luckily your probably young with that kind of loss. When your older, you can make 12k in a day with your port size, but lessons learned, dont FOMO in on TOPs, almost all your plays are either BLOOD red stocks, that have fundamentals, for example NVO would be something like that now, or google earlier this year, or ETH at 1,400. If you dont see A++ setups dont play them, focus on making money outside stocks, and then being good at A++ plays when they come, Make sure the companies are good, honestly if a stock is making you lose sleep overnight, its probably too high of allocation, or more. Stocks should be boring, simple, but stay active enough to stick to your rules, have rules, stick to them, new rules every week. You can still learn how to trade, and not VOO, but start smaller, if VOO gives you peace go for it.
Hi everyone, looking for honest feedback. I run a small business and want a simple, repeatable monthly system for taxes and investing. Here’s what I’m doing: Taxes (~$40k/year): - Every month I set aside tax money - 100% goes into gold (IAU / GLD) - I also keep 1–2 months of taxes in cash as a safety buffer Remaining profit: - 20% stays in cash (living + business expenses) - 80% invested, only into 4 assets: Investment allocation: - 40% S&P 500 (VOO / SPY) - 25% Gold - 20% Bitcoin - 15% Silver Goal is not to beat the market, just something robust, simple, and sustainable long-term. Is holding tax money mainly in gold reasonable? Does this asset mix make sense? Appreciate any advice 🙏
Have you bothered to see what VOO contains? Also, open an IRA, the greatest financial gift the government will ever give you. Finally, read The Little Book of Common Sense Investing by Jack Bogle.
You want some sort of diversified total US stock market ETF, then you want some international exposure. VT has both combined. If you prefer to control the ratio yourself or optimize for small amount of taxes, then VTI+VXUS. Both of those options have merits and I wouldn't agonize about either path. Just pick and get that money in the market. Some people are recommending VOO but its less diversified than VTI/VT so it's not my personal first choice but its fine. Keep in mind that every brokerage has versions of these funds and there are schwab and fidelity equivalent versions that you could also use. Since you only have 3k, I wouldn't worry about adding bonds yet. I'm not sure your age, but my 2c is to start worrying about that when you have at least 100k invested.
200$ in VOO is an Excellent way to start investing. Congrats and Good Job! If you graduate on to picking stocks, remember industry leaders and look at all time charts. Zoom out!
When I started investing, I put like $25 from each paycheck into VOO and then slowly increased that until I found the amount I was comfortable with. VOO is simple and you can't go wrong with it. A lot of people use it as their core, long-term investment. I still have my VOO but I buy VTI and VXUS now. You'll learn as you go which funds work with your plans.
When you zoom out 100 years it sure makes those 50% draw downs look small but I guarantee you people will freak out if the VOO went back to the low 300s lol. Just make sure you have cash for the crash or can hold through some painful times! We are incredibly late stage in an unprecedented bull market don’t get blindsided. Profits are just a number on a screen until they’re realized
Jim Cramer from CNBC recommends new investors put their first $20,000 USD into a low cost S&P 500 index ETF like Vanguard’s VOO. He wrote many books.
Hey there. First, I am a big VOO fan, as it is not betting everything on one specific market. I messed sround with different things over the years, and should have just stuck with VOO. And, as a 19 year old, are your parents still covering things like health insurance, transportation, food, etc? If so, then you can invest knowing that even if there is a drop, that over the next 10 years, things should be higher up than where they are now. (I make no legal guarantee) As you receive less financial assistance in life, you will want to keep some money ready in case of an emergency. A high yield savings account like Capital One 360, Western Alliance, or another can keep money earning but also liquid enough that you can reach it within 5 days, and is fdic insured up to 250,000 dollars. I have 1/3rd of my money in high yield savings accounts. will it make less money over the years than VOO? Statistically, yes. however, of there if there is a crash, I will know I have enough consistatant money to get me through times of trouble without being forced to sell stocks. i had panic sold before, and was punished for it. having money to the side has helped me not watch the market daily. Best of luck, and remember that Motley Fool is not your friend. Hell, unless you are giving money to Forbes, even they will sell you fear for free. Stock advocate sites will often tell you who has been winning, and act like those will continue to win down the line, even if they are being propped up by sentinentality and fomo, creating overinflated sentiment toward unproven markets. That fomo and fear creates bad decisions.
Both are fine. The tiny margin is negligible as they track the same index. VOO is just bigger than IVV, so more people are going to recommend it. More people are familiar with VOO than IVV. Traditionally, SPY was the main S&P 500 fund, but they have higher fees. VOO was the first fund to undercut SPY, so they are the most popular. It's the lingering effects of their Blue Ocean advantage.
At your age and with these circumstances I would prioritize investing in yourself (going to all of your classes, networking, and anything else that could lead to a higher earning potential down the road, also travel and experiences that will help shape you), building a savings (you’ll eventually want to move out of your parents house, and leaving the nest is expensive), and continuing to invest in VOO a bit at a time. Even an automatic contribution of $10/month can make a huge difference over time and help you get in the habit of investing.
Why specifically Vanguard's VOO, and not, for example, iShares IVV, which serves an identical purpose, has an identical expense ratio, and has even returned a tiny margin higher over 1y?
VOO reflects the SP500. Essentially you're buying the largest 500 companies in the US. It's one of the best investments you can make. Just keep adding consistently whether it goes up or down. Remember that investments take a long time. The hardest part is staying the course.
Because VOO is a fantastic option for people who do not know what they are doing, which is like 99% of retail investors
Congrats on starting to invest. While VOO is a great choice, we don’t know if that is too much for you to put in without getting some other details first. Do you have debt? An emergency fund? What are your expenses? For example, if you don’t have a job, owe $10k in credit card debt, and live on your own with monthly expenses, investing $200 is way too much. If your circumstances are different, $200 might be nothing or not enough.
Why is everyone on Reddit astroturfing VOO?
META and TSM are not in VGT. TSM is also not in VOO, only in VT. So really only quadruple dipping Google. Triple dipping META I wanted to be overweight in META, TSM and especially Google 🤷🏼♂️. I bought META on the recent dip at ~$600. Average Google price is ~$250. TSM is ~$270.
META and TSM are not in VGT. TSM is also not in VOO, only in VT. So really only triple dipping Google. I wanted to be overweight in META, TSM and especially Google 🤷🏼♂️. I bought META on the recent dip at $600. Average Google price is ~$250. TSM is $270.
Do you player. It’s just your bags that will be smaller. Or hey, maybe you break the code. Best of luck either way. I hope you make a ton of money, since your investing strategy is likely not going to get you there. Hope I’m wrong. Learn to read your historical performance. If you’re above sp500, great, don’t listen me. If you’re below it, you might as well just VOO’ed and chilled. It doesn’t take into account what regular DCA and a pro pushing you to do more where have you, but at least it is a start. Take care.
Why not just sell CSPs on the indexes that you want to buy, like VOO and/or QQQ and start taking positions with the premium earned, until assignment?
How is VOO a "holding area"? VOO is 38% big tech, it dropped 19% in April (from February ATHs).
I JUST opened a Vanguard account 1 month ago. Started initially with $1K and have been putting $400/wk in since (automatic contr from bank). Have $3K in there now. Only have VOO and VTI (50/50). Will keep this up for the next 15-20yrs for retirement. This is separate from my other 401ks, brokerage and company stock. I wish I would’ve started this long ago.
I tried the same thing bro. Prob lost twice that or more and took even longer to realize I would have been better off in $VOO or $QQQ this whole time…
Oh I DCA into VOO and a money market fund every paycheck. I just have a fun gambling account on a different brokerage to scratch that itch for picking stocks. If a stock goes up 30% in a day and I have that much or more of unrealized gains, I have absolutely zero intention of letting it ride, regardless of what people say. I've got my fix and will keep it in VT until that itch comes back again and I need to get rid of that pent up energy, usually when the market is down and a stock I've followed dropped 30-50+% because of some scary headline. I know all the math says it's not optimal and that I'm a bad person for it, but it's the only way I've found to keep me mostly on track with my automated investments and savings.
VGT is a good fund. I’d leave it there and diversify funds going forward. Maybe go with an s@p500 index fund going forward, like VOO or IVV.
Use a broker like Fidelity that supports fractionals and auto buys. Set a weekly amount. Only sell when you have something urgent to pay for. You will be much richer. Have multiple stocks if you like. Switch the auto from one to another if you want. You will eventually realize that QQQM or VOO auto weekly is just easier. SGOV whatever emergency fund or large expense known bills coming up. Life is just easier. If you make a ton of money, just find a trustworthy pro to hire. It’s likely not worth your time to focus on it.
1. QQQ or QQQT 2. VOO or SPY 3. VT Split the money between them like 1/3 for each or 1/4 for two and 1/2 for another. Dividends ETF is for income, like in retirement, avoid those if you are looking for long term. If this is overwhelming then consider using at target date fund instead - like one listed [here](https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds) matching your expected retirement year and they will do the work for you. You don’t need a vanguard account to buy a vanguard fund.
Too much international in my opinion. 70% - VOO 20% - VGT 10% - VXUS Adjust your percentages accordingly.
Consumer staples have almost never been this cheap as a sector (notwithstanding the overvaluation of COST and WMT). The tech sector has rarely had valuations as high as they are now. AAPL at a P/E of 37? C’mon. I’m in favour of buying the equal-weight S&P 500 (RSP) instead of VOO.
Yes. VOO - 60% VGT - 30% VT - 10%
QQQI gives you the best of both worlds, the choice to use the income monthly is reinvest the dividends plus the covered calls funds you downside protection which QQQ would not provide. If performs better than VT and VOO
VOO, if you have some balls TQQQ.
1. Only trade with what you’re willing to lose. 2. There is nothing wrong with taking profit, even if you think the trade has more. I’m even talking about 5%-15%. Follow your gut. If you start to get nervous, take profit. Had AMZN calls yesterday that I cut at 5% because I didn’t want to swing into Monday. 3. Learn MACD, Volume, 200ema, support and resistance, theta and delta. I trade SPY/large caps using these common indicators to predict where a trade might go. 4. Be disciplined in your approach. The markets are designed to take your money based on emotions. If you have high emotions, don’t trade options. 5. Don’t trade options. Literally VOO and chill. Max out your 401k, max out a Roth IRA, and you’ll retire a millionaire. Options can be powerful, but also extremely stressful. Why live a stressful life if you don’t need to?
If you aren’t doing VOO and chill then you aren’t investing? You’re gambling like the rest of us. This is the casino sub.
It's a sales tactic for them, but there is some truth there. Due to lean manufacturing the Japanese economy became a world leader in the post-war era. Then they stalled for 20 years. I don't really see a reason why that wouldn't at least be possible with NYSE/NASDAQ. The only difference is, at this point SO MANY people believe the US markets only go up long term so they just invest invest invest, propping up the markets. It becomes a self-fulfilling prophecy at this point. S&P500 index funds like VOO are basically just banks with a 10% interest rate at this point.
Add VOO and some international exposure
Assuming VOO continues to return about 10% annually over the long term, it will only take you 12.5 years to get back to your starting point!
This type of strategy is truly underrated. Trim as they pass 5% and rebalance into VOO as a holding area until things go on sale like in April.
Now try putting it in VOO and not touching it for 30 years. Something tells me that might work out better for you.
VOO is insanely disproportionately weighted with AI slop.
Or just buy stocks. I’d say 60% of my portfolio is in VOO, VGT and VT. 40% is in stocks like Google, Meta, TSM and a bunch of space stocks. Most for 1 position is about 4-5% of my port.
Just because they have crazy valuations doesn’t mean they have impactful market caps or are represented significantly in VTI. I’m with you in that I prefer VOO at the end of the day but it’s just because I just don’t think we’re on a trajectory where the big players are going to be diluted by the masses anytime soon. But I think scam stocks are barely a rounding error in an ETF that diversified.
If you're young, 100% VOO.