VOO

GomaN1717

Currently max 401k contributions, then max out Roth. Anything beyond that is just dependent on discretionary income based on the year's expenses. I *try* to do at least a grand a month across VOO and assorted blue chip stocks; *maybe* a few hundred here and there for more speculative plays like ASTS, etc. My wedding is in a few months though, so the discretionary brokerage funding is usually the first to go lol.

AltoDomino79

If I own VOO in a brokerage account, and I have it set to auto-reinvest dividends, will those dividend payments still trigger a quarterly tax event (capital gains)?

Virtual_Secretary_98

It's actually true that VOO and chill overperforms everything long term

Paul_Robert_

VOO and chill. The more money you have, the more gains you'll make. The only problem is that you need quite a lot to offset daily living costs 😔

Objective-Plenty5185

"Just VOO and chill" they said...

Frequent-Recipe-7608

My financial advisor suggested VTI or VOO if I had to pick1. I am not a financial advisor, but finally got one. 

Puzzleheaded-Oil5910

What market sell off? VOO up on the weekly, monthly, yearly charts

Cold_Computer_2886

All you need is VOO, VGT & VXUS

Ok-Dimension2964

It is clean and easy to understand, which already puts it ahead of most portfolios people post. You clearly thought about diversification beyond just stocks That said, I would think carefully about how much unique exposure you are actually getting. VOO and QQQM overlap more than people intuitively expect, especially during market stress when correlations rise. In practice, this is still a portfolio that will live and die with US large cap growth The BPRO sleeve is interesting conceptually, but it carries very different kinds of risk at the same time. Bitcoin behaves like a high beta asset, while gold and silver are more about regime protection. Bundling them together looks diversified, but the volatility path can be unintuitive Nothing here is obviously wrong. The real question is whether this matches how you plan to behave in drawdowns. A simple portfolio only works if the investor can stick with it when all parts are uncomfortable at once

Illustrious_Lie_954

If it were me, I’d keep it simple. Probably 70% into something like VOO/VTI for broad market exposure, 20% into QQQ or a growth/tech tilt, and keep 10% cash or for a couple high-conviction picks. Main thing is staying invested and not overthinking timing. With a multi-year horizon, consistency > trying to be perfect.

SorryExtent925

I would Sell ONE put option for RIVN with strike $14 or $13.5, just one contract. Buy little bit of AMZN around 4-8 stocks, couple of shares of SCHD like around 1k, 1-2k into CALM at price $80 if possible rest in VOO

jdwolosh12

I’m currently weighing a similar scenario. I am probably going to go with VOO in my brokerage account.

explorer77800

You’d be very late to the party. And NEVER try to time the market. If anything take your nvidia gains and roll them into VOO.

Ready_Scratch_1902

btc haters showing their fomo scar tissue you chased and got burned stick to KO and VOO

Trom22

VT performance has traditionally followed US stocks. Even recently it barely has outperformed VOO. If u want international exposure consider FRDM

Outrageous_Tip_2133

VOO will be fine. It always rebounds due to rotation among sectors.

Ok-Educator5253

So they’ve lost 14 of the past 25? I guess That explains why, in 15 years, VOO would have given you 4x the return of VXUS. My point is the OP is not thinking on a long timetable. He should be.

bartino84

I full ported VOO on Thursday thinking I was being responsible.

Glittering-Fail-8056

in all seriousness why would you sell VOO when its down? you thinks its gonna crash hard?

weeder57

Welp just unloaded the rest of my VOO right now at 629.65. All cash and sitting back and waching this shitshow

Victah92

if volatility keeps you up at night, you’re not ready for options yet — and that’s okay. Most adults aren’t either. Start boring (VOO/VT), build income outside the market, and let time do the heavy lifting. The goal isn’t fast money, it’s staying in the game long enough to matter.

axewoodsman

Sorry to hear that. Just invest in an index like VOO or VT and hold long term. As long as you have a job, just reinvest any extra money into them over time, you'll make your money back eventually and more.

Ok-Educator5253

All because VEA beat VOO for a year?

plantingles

I have 800k in equities. Most of it VOO, some GOOGLE and MU. Am I doomed to the underclass or will I rocketship to the upperclass under your theory? I want to know how fucked I am.

Ok_Revolution_9253

We just set up a twice a month recurring deposit for our 8 year old. 100 bucks on the 1st and 15th split evenly into VOO and QQQ

Locke_____Lamora

Me too. I'm about half cash and 40% VOO and google rn and feeling pretty good lol

Heyhayheigh

If truly 2 years, SGOV. Buy VOO with a portion of your income on a weekly basis. Sell only when you have something urgent to pay for.

decolored

Put 150 of it in cds for no risk gains of 4% every 6 months. Put 50 of it into medium risk mid caps with potential to outperform (with good DD) Put another 50 into VOO or FXAIX for large cap exposure with low expense ratio

RedApple2349

OP what is your time horizon? your allocation isnt all that bad , although if this were my portfolio I'd reduce gold/crypto and get at least some exposure to other markets outside of the US . Other than that , if you have a long term investment horizon then I really don't think you need to worry about a bear markets - just wait them out and maybe even look to add .ore (DCA down) what I like about your Port is the strong foundation in VOO, while the other ETFs give you some growth - you have elements of a solid portfolio.

ForgottenCaveRaider

VOO and chill. Maybe buy some silver and gold, and crypto as well.

Ok-Educator5253

VOO 60 VXUS 30 Silver/Gold/Crypto Junk 10%

AverageAngling

I agree as long as returns are > VOO. If it’s not making more than a low cost index fund than just so that instead. I’d like to see what the guy actually has him in

Moist_Emu_6951

You have a lot of overlap between the first 3. Mine is 50% VOO and 50% VXUS; it's straightforward and simple.

zer0_chance284

I never touch pharma stocks. That being said, if I only invested in VOO instead of high growth companies I would only have 20% of the money I have now.

Portfoliana

CSU (Constellation Software) is the safest bet from your list - proven acquirer, actual earnings, just had a pullback. Not a pennystock tho, its like $3k/share in CAD. SMR is interesting with the nuclear energy narrative but its pre-revenue and priced for perfection. If nuclear sentiment shifts you’re bagholding. HIVE and WWR are crypto/commodities proxies - if you’re bullish on those just buy BTC or lithium directly instead of adding company risk on top. ONDS and HUMA - don’t know enough to comment, which usually means they’re too speculative for me. Honestly with 10k after +123% gains, taking some off the table and putting it into something boring like QQQM or VOO isnt the worst idea. You already won, dont need to gamble it all again.​​​​​​​​​​​​​​​​

SureAce_

You have tons of overlap between VOO, QQQM, SCHV. It's OK to have some overlap. Just know how much of overlap you do have and why you have the overlap before actually doing it. It looks like you just kind of picked funds that have been performing well in the past and are trying to chase returns. You have no actual anchor, meaning you have no fund that's going to be the base of everything. If I was you, I would at least do 50% in VOO. And then if you still wanted to have some overlap, you could choose the NASDAQ 100 or the large cap blue chip, but I wouldn't pick both of them. I'd pick one or the other and only do it about 30% or less. And BPRO, every single thing in there, Bitcoin, gold and silver are completely worthless. Bitcoin only goes up because people want it to go up, but there's no foundation behind it. Like a true company, gold only goes up when people get scared, not because it's actually necessarily meaningful. It's just when people want to hedge against something and then they miss out on real returns by not being part of the market longer and allocating more to the market anyways. And silver's just gold's little brother that's more violent and has less returns. And the cherry on top is that it's actively managed and has a high expense ratio. Two things working against you.

ConstantEfficiency83

Just turned 30, own a house with 25-30% equity, no debt other than the mortgage and like 350k in retirement accounts. Honestly, it’s hard for me to give a shit about money or working/liking my job at this point. Really want to just VOO and chill, get a lawn mower and cut enough grass for money to pay the bills and enjoy life with the wife and kids.

MrMoogie

Most people on this Reddit will be from the US so won’t recognize these ETF’s. The answer is yes, the US was on a tear the past 15 years and VUSA (VOO for Yanks) was the place to be. A Global fund is sensible because the US has got expensive and you do want some currency hedging. Right now I would say it’s very important to have international diversification. Even with VWRP (VT for Yanks) you’ve still got massive exposure to the US.

SubjectAfraid

Heck, he can just VOO and chill for the rest of his life. He’ll eventually hit 1M once the USA gets a new administration. Just working as usual and not overspending and he’s pretty much set for retirement.

DonBoy30

I took a position in gold (GLD), silver(SLV), and VXUS in my Roth sort of impulsively starting when Trump took office (since my 401k is mostly in VOO). Not good advice, but it paid off.

Creative-Process-504

Well shit sorry that was a lie. I do invest in VOO long but I just forget about that. Put 1k every month and pretend it doesn't exist

Hot_Hope_7011

For 6 years I kept everything in VOO and I suddenly lost everything in weeks idk what happened to me. Luckily I'm only 22 I can turn this around.

bofoshow51

Investing is largely very simple to be successful. You do not need an advisor to manage anything, in fact he’s likely costing you on returns. Prioritize money into tax advantaged accounts like your tfsa. You should be able to create a Wealth Simple tfsa and transfer any balance between your current account to that as a rollover. Next is choose a 3 fund portfolio based on your time until retirement. The 3 fund portfolio should be compromised of 1) US stock market, 2) International stock market, 3) govt bonds. Since you are only 19 y.o. You could easily forgo bonds until you are about 10 years away from retirement, because stocks are more volatile in short term but have much better returns in long term, bonds help reduce volatility in down times but cost you returns. Next is choose low expense ratio ETFs (less than 0.25%, many many good options are less than 0.08%) to fill your 3 fund portfolio. The industry standard are VTI (US total market) or VOO (US S&P 500 market) and VXUS (International market), or to be even more simple VT (Total World Market). VT balances itself to represent the total market weight of the global economy, currently it’s about 62% US/38% International. You can also just do VTI/VOO + VXUS at whatever balance you want to mimic that, I personally am 70/30 VOO + VXUS. And that’s really it. Throw your money on these and let it do what it does best, grow about 8-10% annually over the next 30+ years. Drop the advisor, his expenses are likely eating into your profit and growth without any meaningful benefit, as over 92% of active fund managers fail to beat the market returns.

Southkorean1127

you're right, but SCHD is also good when tech stocks go down. 1 month performance: SCHD: 7.54% VOO: 1.26%

DadmomAngrypants

VOO

bigfern91

I have large positions in VOO and VT

UnSeenBabyGravy

You're in a great spot, and honestly the biggest investment that will return massively to you is anything regarding time and safety. I was in your exact shoes and I remember it felt like it was the best decision was things regarding risk, multiplying money making it move faster, but in reality majority of it could have just gone into an S&P 500 ETF, like VOO that has almost no fees and then another portion of it could have gone into yourself, you know investing in you gaining skills that pay you in the future. In this case I wouldn't necessarily say you need money to invest in yourself anymore these days because of the resources we have. For your situation, 17 years old, if you don't need any of it, it really could just be shot straight into a US fund, so you can set and forget. You can find VOO on any financial application. If you really feel inclined to risk set up a smaller portion of the money that you're going to invest in this case it was $5000 maybe set up $500 of that to go into a specific stock that you believe in for example that could be Tesla that could be Walmart it could be anybody Disney but the really smart thing here is to find a balance and diversify that's why I recommended the United States fund VOO. Life will be good to you if you are good to it, the fact that you're here asking this question already proves to me you're in a good spot.

Junior-Guitar-3058

Bitcoin, VSUX and VOO

PashasMom

I don't think you can buy mutual funds at Robinhood, only ETFs. If you transfer your account to Fidelity, you can buy Vanguard mutual funds, but only with a hefty service fee. So if you really want Vanguard mutual funds, you'll have to transfer your Roth IRA to Vanguard. However, you can buy Vanguard ETFs (like VOO, VTI, VXUS, VEA, etc.) at either Robinhood or Fidelity with no fees. None of what you are thinking about doing would involve taxes. Personally I would choose Fidelity over Robinhood. 3% match is no joke, but Robinhood has a history of shady practices and heavily advertises and attempts to lure people into gambling and risky trading. I don't want to support that. The best investing is boring investing. Fidelity or Vanguard would be perfect for that. If you go to Fidelity, set up a main Fidelity log in, then open a Roth IRA, and get started on the Fidelity side to transfer your account. The Fidelity transfer team will handle it and you won't have to deal with your old firm or advisor at all. Make sure you download a current balance statement showing all of your funds and the amount invested at each in your current Roth IRA before starting the transfer. Good luck!

MrMeeseeks33

VOO and dont look at it for a while.

Next_Professional_30

OP check out ticker VOO.  Looks a lot like S&P 500 and is very low price in terms of fees.  You will be up and you’ll be down in it but in 20-40 years you’ll probably like where you ended up.

Heyhayheigh

Do you have a job? Custodial Roth IRA until next year you are 18. Put in VOO or QQQM and don’t think about it. Get used to buying VOO on auto weekly basis. Sell only when you have something urgent to pay for. That’s all personal finance is. Spend less, invest more auto. Anything you will spend soon should be in your money market or SGOV. Open a Fidelity youth account. Sounds like you will do great!!

zxc123zxc123

>Hundreds of investors across China have accused a Shenzhen-based private gold trading platform of collapsing after users were unable to withdraw funds or retrieve physical gold, triggering protests, police involvement and allegations of official cover-ups >Shenzhen >China >"""private gold trading platform""" This isn't even an indictment on gold so much as this is just how shit goes in China. Like it's worse than FTX and on the levels of mini/private crypto exchanges. That's like saying you're buying Mag7 or VOO on a *"Decentralized crypto-tokenized stock trading platform owned by a Nigerian prince operating Malaysia."* If you're that fucking dumb then you deserve to lose.

Playa456

I was on the sidelines. I learned long ago not to jump on hype trains. I mainly stick to the Mag 7 and VOO. I should really start getting some BTC.

theonepercent15

Holy shit that's dark stuff. I'm done trading stocks this shit is cracked..VOO and chill for me.

HomeOfTheBRAAVE

Assuming I already had an emergency fund, probably VOO. But, if it was me, I would split it between several things: VOO SCHG Bitcoin GLDM SMH

jonchillmatic

VOO and VXUS, currently keep cash for downside risk but will move to SGOV or similar when interest rates go down. A few smaller positions in individual stocks and BTC, those going up or down a ton don’t impact my overall picture and I enjoy speculating a bit. A lot depends on your time horizon and risk tolerance, like all investment decisions.

mushaf

First of all, diversify your portfolio. If you're not a seasoned investor, don't put all your money into individual stocks. When you buy an S&P 500 index fund, you're essentially buying 500 top U.S. companies in proportion to their market caps. At a given time, some of them go down, some go up, and the net is usually positive over a longer time period. That’s why people say “VOO and chill.” 50% of my holdings are in SPYM. I try to buy 5 units of SPYM every time it drops 0.5% or more. That’s my way of DCA-ing. My remaining 50% is allocated to individual stocks. Even there, I try not to concentrate too heavily in a single sector. Of course, tech is the most lucrative, but I still try to spread my positions across 4 different sectors at a time. I also don’t buy anything I don’t understand. A recent example is precious metals like silver, or crypto a few years back. I understood they worked as a hedge, but I didn’t understand why they kept going up after a certain level. When something goes too high and most people can’t explain *why*, you know a correction is imminent. That’s why people say not to buy at an all‑time high. All the stocks you mentioned are very volatile, and they’ll probably go back up again. But if you hold positions in such names, you need to be able to stomach days like Friday. Work on your risk‑management strategy, and if you care about your money, diversify and take smaller wins.

Inevitable_Pin7755

If I genuinely had to pick one thing and forget about it, it would be a broad index fund like VOO. Boring answer, but it removes the need to be right about timing, narratives, or individual companies. Over long periods, that simplicity usually wins. If I wanted higher risk, I’d only do that if the money wasn’t emotionally important. Most people underestimate how much psychology matters once prices start moving.

ctmets1988

Should've just bought a S&P 500 like VOO. 

Random_2800

I would just VOO. But if it had to be one stock. MSFT OR AMZN.

szakee

VOO

creamier_than_u

Dude, you've bought the most bubbly and speculative assets in the market at eye watering valuations, what did you expect? My advice would be to DCA slowly into VOO if you're concerned about market fluctuations. The nice thing is that when the market turns down again there will be new names like ASTS that seem promising but are priced for outright failure. ASTS and RKLB have been my best stocks, but I wouldn't buy more now. In the meantime, consider watching some sober Youtubers that give you an idea of how the stock market and finance works. Pensioncraft is my favourite, just a nerdy guy who knows his stuff and invests his own portfolio conservatively teaching you about markets. And if you want to buy speculative tech then, set aside 10% of your portfolio cash to mess around with. The other 90% should be in at most a handful of well diversified ETFs and not touched other than to rebalance. Good luck, and don't fret, it'll all come out in the wash.

Beneficial-Ad-9986

Zooming out helps, and the long-term case for VOO is strong. The challenge is sticking with that view during the parts of the chart you don’t want to look at while you’re living through them.

swrrrrg

Most people should not own individual stocks. You don’t have the knowledge or the skill to beat the market and frankly, most people lose money trading options. Reddit is the epitome of people who are “vibes” investing. You’re listening to people who have never lived through a genuine bull market. ETFs like VOO or VT exist for people like you. There is no shame in that, but you need to recognise that yes, they will be red sometimes. This isn’t a get rich quick thing. Investing is generally meant to be a long term thing.

labowner85

You’re holding bag because you’re listening to consensus at a time of extreme valuations. Always look at the market independently. And stay out of extremely popular symbols as they fall hardest when the tide changes. It’s a good lesson learnt. I would advise to wait for the market to drawdown at least 10% before buying into it but then investing in SPY or VOO is a better choice.

oldbeancam

I know people will always shout “VOO and chill”, but honestly if I were your age again with a small amount of capital and just getting started I would probably set like 50% in an S&P fund that I added to weekly/monthly, then park the rest in a “gamble” stock that I believe in. If you parked that 1k you have left in VOO for 2 more years in college, you’d *theoretically* get anywhere from $120 (6% return) to $476 (21.5% return (average of the last two years)) or more depending on how this year goes. So I would throw roughly $500 into one of those funds and add to it monthly/weekly when you can, and put the remaining amount into small cap stocks that you like with growth potential. You’re still young and will likely fuck up again. To combat this, give yourself an allowance where most of your income (80-90% after the initial 1k) is set aside for smart investments and the rest is used to see what happens. And stop trading options. There are times where they make sense, but even then you should buy them with 3-12 month expiry so you have time with them. Short dated calls and puts are risky and long dated calls/puts are typically more expensive than what you can afford.

Immediate-Run-7085

I don’t know. Have you zoomed out and looked at how the chart looks for VOO?

IncomingAxofKindness

"VOO and zoom out." - r/investing

Any-Love-6016

Etfs are good I have VOO and QQQ mag 7 of course ,dow chemical I've had for years...and some other obscure long term holds I've had..

me-experted

a cheap lesson, take ur losses and get back into VOO

KissmySPAC

If you go to r/dividends and say that, you'll get downvoted to oblivion. VOO and DCA is preached like it's a cult.

wandererarkhamknight

SCHG, QQQM both have 50% or so overlap with VOO. If you want to diversify, look at international funds or something like AVUV.

Junior-Appointment93

What are you trading? If 0DTE stop that. Instead try getting LVL 3 options trading. Start with monthly credit spreads. Never trade during earnings or if a company is getting ready to pay dividends. Or instead of VOO and chill. Look into investing in SPYI, QQQI, IDVO, and SGOV. All pay monthly dividends. SPYI and QQQI follow the index’s. IDVO is international exposure with great growth. SGOV is very safe it’s a bond ETF that pays monthly great place to park cash. 25% in each one will give you a nice passive income. Buy Monday while the market is still down. I lost $2600 lost $2600 last year mainly due to 0DTE trading and one bad Cash secured put options play. Study the charts. Pay attention to earnings reports. Pay attention to the Vix. If the Vix is up things are going to be RED. VIX is Down things will be Green.

No-Improvement3164

I’m waiting for everyone to say fuk stocks after they got hit im buying VOO and chill because LOOK 👀 it doesn’t go down and then they rug it for 20%.

tika_dengu

Sick of losing money gambling, I want to park my money in ETFs and put myself through college so I can do something other than doordash gigs. ChatGPT recommends the following ETFs: VOO(45%), QQQ(20%), VXUS(25%) and VNQ(10%). reasonable?

VOO_bull_forever

1M USD is your goal?? LMAO. That is what I am making a year in holding VOO LMAO

Prestigious_Garlic_9

Ticker: VT Potential entry: $144.86, $145.00, $145.33, $145.50 Potential take profit: $146.12, $146.47, $147.00, $147.59, $147.83, $147.99 Ticker: VOO Potential entry: $629.89, $631.96, $634.50, $634.55 Potential take profit: $636.78, $637.08, $638.42, $639.24, $641.47, $642.21 Ticker: VTI Potential entry: $337.72, $338.39, $339.56 Potential take profit: $340.64, $341.23, $342.04, $342.52, $343.94

Fresh_Fox_8118

Bought when it was in 700s not thinking to sell it at atleast 1100 because I don't think it will ho any higher than that. I have 13 and thinking to invest on something long term like VOO, VXUS or QQQM. I mean those are already giving me 7 to 8% in 6 months I invested. On the other hand I'm losing in NVO and VKTX like more than 45% down since I bought 🥲

No-Improvement3164

Imagine DCA into VOO for the last 5 months only to get a 20% dump this year and now you’re out of cash. Show your hands 🙌🏻

TheSmokingLamp

That wasn’t “investing”…. It’s pocket change in the grand scheme. Now actually Throw the last $1000 in VOO and forget about it till after college. Or keep adding to the position as you earn more money

Ashamed-Agency-817

Never take direct investment advice from anyone.. That said, index fonds like VOO has historically been very good +10% per year in average Etoro has some funds where they cover your loses (in case of loss) if after a set date, but you get to keep all the profit . So basically no risk. Since you are very young, you can afford higher risk as they potentially gives higher return.. I personally would chose the VOO (or similar). Normally every 7 years or so there will be a correction in the market for typically 10-15% and sometimes it will be a crash with is typically more than 20%, but historically just ignoring those and keeping the investment will give an average return of +10%

Ok_Trick_4967

I think it's somewhat unlikely that the OP will move the price of companies worth billions of dollars by his Reddit post seen by a hundred "VOO and chill" people.

LucreziaBorgia210

1) Learn your lessons 2) Work very hard at your day job. 3) Don’t think you will get rich in options. Instead, just by VOO and forget so you can keep focused on your day job that pays the bills and supplement your investment. 4) DO NOT HAVE KIDS until you are well off financially. Wear a condom or pull out and give her a facial. Once you have kids, your life will change to the worst possible outcome 😂 5) Live like a poor man, because most of the people who aim for luxurious life are most likely in debt and live paycheck to paycheck.

RipComfortable7989

>Prices flashing. Daily moves. Breaking news every hour. It feels like you are supposed to do something all the time. Simply ignore them? No one is making you watch the news or pay attention. If you want to long term invest then long term invest. Buy VOO/VTI/whatever else you want and then close the app. Check back next year, invest some more and close the apps.

Justthetip74

Looks at VOO, 87% growth in 5 years. You're in the good times buddy.

watermelon_soju

VOO is up 87% from 5 years ago. TSLA is up 63% in the same time frame. I don't think you know what you're talking about.

ExplanationNormal339

Interesting setup on VOO. Timing matters more than the thesis here. For anyone tracking how VOO is actually trading: [$VOO](https://aimytrade.io/ticker/VOO?utm_source=reddit&utm_medium=comment&utm_campaign=smallstreetbets) Watching to see if buyers show up.

Sjovhedsnyt

Nope, investing in VOO and enjoying compound interest is the smart move. The poster you are replying to is a moron who doesn't understand the very basic concept of opportunity cost. If you're a new investor do yourself a favor and don't pay much attention to anyone in this sub for the first year or two.

yehancha

What ratio do you suggest VOO:VXUS?

yehancha

What kind of diversification (in percentage) do you personally suggest: VOO, BTC, GLD, anything else?

Permit_Upbeat

ima noob investor. is there anything wrong about investing in VOO lol or are you just making fun/shaming because this reddit is for volatile money making buys

sortahere5

MSFT alone is 6.1% of VOO and 5.47% of VTI. The 9 of the top 10 in those indices are tech and represent 40% and 30% of them respectively. S&P 500 indices should no longer be considered diversified. This is not an unreasonable reason to panic. Metals took a huge hit today. Will the money come back or will it be held in cash. The stock market better hope it goes back because otherwise they are waiting to buy bunch of stocks when the crash comes . Just a matter of time.

Comfortable_Flow5156

=what dip? you new guys on here need VOO and chill. STOP BUYING TOPS\~!!!!

Glad-Lie8324

Sound like you’re trading more than investing. Aim for companies you can hold for 5+ years that you know something about (ie are familiar with the business and 10-k and their strengths weaknesses), an have a competitive moat. If you can get in at a good price that’s a bonus, but the idea is, the company is worth more than the cash. You’re not worried when it falls because you own a great business with great people that will ultimately bounce back.  How much should you research a company? In my opinion a good rule of thumb is once you know enough to stomach a 50% drop and not sell because you believe the company will bounce back long term. If after digging into a company you find the upside is not worth this kind of risk (even though, yes, a drop like this is unlikely for great companies), it’s not a company you can put money on.  That’s a lot to stay on top of for a single company, and even more for many. If you don’t know much and you’re just buying and selling to make a quick buck, it’s going to end poorly and you should just DCA into VOO/VTI/VT. 

NuclearGhandi1

If you’re measuring off your initial base you’re doing it wrong. Need to factor in the opportunity cost of not being an ape and VOO’ing. He’s down compared to the boring move

Hefty-Prize-42

dont put all your money into VOO all at once if AI bubble bursts you might lose 70-80 percent of your money. Instead make monthly investments so if a fall comes you can buy it cheap and come back faster with a profit.

JesuslovedPLTR

The only thing I've bought in 2026 is VOO and ONDS, and tonight I'm watching Columbo which I guess is a massive show. Are bone pills next 😭

Independent-Cress382

Put every dollar in VOO, change the password to your brokerage account and don't look at it for 10 years.

Equivalent-Loan-7231

Depression and stock volatility can be a bad mix. While VOO generates good returns on average, a bad cycle could deeply affect you. Make it 70/30 VT and BND generates lower returns on average but could be better for your mental well being and beats cash sitting around.