Reddit Posts
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
I’ve been switching my money over to VT after being heavy into VOO and VGT for years. I feel like it paid off bigly but the more I look at the numbers the more I think it was just luck, and picking sectors won’t work in the long run so I just want to hold VT. Problem is… I am going to have to pay a LOT of capital gains taxes if I sell all the VOO I currently hold. So far I’ve sold my VGT but not my VOO since there’s more of it.
I buy $4k VOO daily on a schedule as my emergency fund
Buy MSTR Buy GBTC Buy IBIT Sell VOO Sell SPY
If you don't trust SPY, you should use VOO instead. It's definitely, unequivocally, and indubitably a different ETF.
So you want to wait for the market to go back up before you deploy capital? You don’t realize this, but you’re trying to control the uncontrollable. You are allowing emotions to cloud your judgement. Buy VOO or QQQM on an auto weekly basis. Years from now “your trust” has nothing to do with the decision. You will take this poorly I suspect, but someone has to give it to you straight. There are no magic investments. And you won’t know for years if it was “good timing”. Irrelevant. Spend less, invest more. Sell only when you have something urgent to pay for. Plan doesn’t change. If you have a lot of money, find a good trustworthy pro. Though I doubt you will listen to them. Best of luck.
VOO and VT can lose 40% over night If that's not something you can stomach then yes you need to go into bond territory
On today's news, if we remote the 7 top performer from a population, the curves flatten by a lot. More at 11... Another way to look at the plot, if we remove the top-7, the stock market has performed nearly at 7% for the past 5 years (when the figure everybody used to repeat is VOO grows 8% to 9% every year on average for the past century or so), with a fucking one-in-a-century pandemic and subsequent disruptions in supply chains etc. in the mix. I'd say not too fucking bad.
I’m also 15 and started just over 5 years ago. You definitely need to ask your parents to make an UTMA account (I’m not sure if it’s the same thing in Europe) for you I use fidelity but robinhood is also really good. Then really the choice is yours on what to do with your money just always make sure to have a base to your account such as an index fund. I personally have VOO (the s&p500) as my base and then invest in a few individual stocks as well. Also $600 is really good and definitely enough to get started! I personally would invest in the U.S. market but that’s because I know nothing about any of the other countries markets lol. Good luck and let me know if you have any questions! I’m not an expert but I can try my best ;)
Yeah I had moved it to VOO so have roughly 5 to 7 percent exposure to google still but kinda hurts even if the gain was good 😭
I bought at 180 and sold at 190. At that time I was a "VOO and chill" kind of guy and I was afraid of losses, so I held stocks for a few days just to skim some profits and minimize loss chance. I did the same with UNH when it was 270 and I sold it the day before Bershire invested into it, which sent it to the stratosphere... Now I've improved my resistance to losses and I accept that some losses will be incurred for higher long term gains. Happy to say I've been holding Google since it was at 249. And it has paid off.
nice but dont lose it all. VOO or something
If your risk tolerance is low, then sticking with VOO makes perfect sense. However, if you want to learn from your experience in order to be better equipped to invest in individual stocks in the future, focus on risk management and eliminating FOMO. Buying into hype stocks on the way up without managing risk is a very dangerous game. If you want to play these big momentum names, it's important to wait for pullbacks and use stop losses to control risk. Even the best stocks, when purchased at the wrong time, can lead to serious losses.
If this is going to be your attitude for investing (buying into hype, selling because you're scared) then you need to stay far away from speculative investing and especially options. Put your money into the S&P 500 (the VOO ETF has low fees) and forget about it for a few decades. Don't see the stupid gamblers wins here and get FOMO and lose your money like an idiot.
It is not, about 70% of it is VOO.
VOO effectively makes up over 60% of VT, you don't need both. VT and chill. Also there is nothing "solid" about any stock. Google (nor other "solid" companies) doesn't have higher expected returns than VT.
Sorry allow me to elaborate. My risk tolerance is not low per se, but I am willing to put some money into a couple of growth stocks from time to time. For the most part however, my portfolio is VOO, VT, and a few mag 7. Tbh not sure how much safer I can go before going into bond territory.
Preach. I’d still like to have a few positions in solid stock like google but beside that, VOO and VT all the way.
Yeah I have about $5,000 in emergency fund. I’m working but i wont be able to contribute to a 401k until next year so for now I’m trying to get something going. I’m hoping to max out by march time as I see the deadline for the 2025 Roth IRA is April 15th. I sold my VTI shares and put everything into VOO and I’m just going to keep on doing so. Is this a good route ?
I was doing some smart investing prior to discovering reddit subs. Proceeded to commit to the dumbest investment possible (BYND, RIVN, and some shitty others) that ended at -99%, after reading some insights on here. Lesson learned, never trust reddit for stocks and DCA in VOO.
On Etrade, I can't directly 1-time buy a fractional share of VOO but I can set automatic investing and it buys the fractional share every week at my $ amount.
I took my full port and invested 67% VOO, 16.5% GOOG and 16.5% META on Friday instead of playing the options game. How am I doing so far?
tickers with OO like VOO and GOOG that makes you want to hold and chill
Stop thinking of income. Stop thinking gold and silver. Open a Fidelity youth account. Buy VOO on an auto weekly basis. Sell only when you have something urgent to pay for. Always have an auto weekly amount. Don’t care if it is $20/week. Rome wasn’t built in a day, learn as you go. You will find things you like a little better. It starts with auto weekly basis. Sell only when something urgent to pay for. Best of luck.
Just let me revenge trade till I break even and I'll VOO and chill I promise
I’m keeping 40% in VOO, 15% in international, 5% in crypto, 15% in gold, 5% in companies I personally like, and 20% in short term bond funds (SGOV). The 20% in bonds I plan to redistribute gradually in the event of a market correction. 10% for every 5% drop from ATH.
Thanks! So say I sell 1 covered call for VOO 0dte that is 5% otm (is this considered deep?), what could you sell this for usually?
buy as much JOBY as I possibly can and keep dumping money in VOO and PFF
When you tell the VXUS people that you prefer VOO: It has better returns than VXUS, sure. But past performance doesn't predict future results. Those same people: VXUS has has better returns if you look at the past year, so I'm going to do that since I want higher returns overall.
Please stop. Reddit is very obviously young people who are completely new to investing and has never experienced a significant bear market. I think a lot of people on reddit completely underestimate their risk tolerance and buy stupid things like single stock, crypto or others. Just buy VOO, VTI or VT (I recommend VT) and go on about your life. If you people on reddit are concerned about a 4% drop from ATH, then maybe it would behoove some of them to hold some bonds.
Should I lump sum 10k on VOO right now to catch the santa rally? Yes or No please vote below
you just need to have money to buy stocks Like just find a broker service and open an account, deposit your money, and buy whatever stock you want (I would recommend starting with an ETF like VOO or VTI or a big tech company like Google or Nvidia). There's no barriers to entry in this game but don't throw your money at crazy speculative plays - I got burned plenty of times when I was first starting out. It's better to build a solid foundation for your portfolio first before you go crazy on 'plays'
Since OP is a teenager, in HS? Here’s a sincere financial advice I wish I knew when I was your age. Buy the dip of M7 stocks like NVDA, TSLA, APPL, MSFT, buy index ETF like SPY, VOO, TQQQ, QLD. And forget about it till you graduate college. Don’t touch penny stocks nor options nor futures (derivatives) and etc. This is the only safe way so ignore other paths. Nobody genuinely cares about your small $2k bag except yourself so listen to me.
Please VOO its been a very rough month
Today is a make it or break it for the S&P 500, VOO needs to stay above $609.20 otherwise the down trend continues
First, congratulations on preparing for your future at a young age. Compounding will work well for you if you don’t panic when the market drops. As far as picks go, I suggest an S&P 500 ETF as your first investment. My personal choice is VOO from Vanguard. If you have earned income, you can start a Roth IRA or a traditional IRA. Both have tax advantages over a normal brokerage account, but you cannot withdraw money until you are 59.5 years old. You should investigate the differences between these accounts and pick the one that meets your goals. Do not put money into an IRA if you will need it to pay for college, housing, or something else in the short term because the penalties for early withdrawal are stiff (10% plus tax on earnings). I also use ETFs that invest in short term Treasuries instead of cash. Good for money you may need in the next couple of years because the market can drop at any time and put you in a bad position if you have to take a loss. I use SGOV and VBIL for this purpose.
VOO , very long term though, short term is unreliable
Buy VOO and QQQM every month and don’t look at it. Do this for a year while you learn about trading. Once you understand how buying and selling works, price action and how candles move, you could start thinking about trading more frequently. Day traders normally stick to a certain strategy, and they have a wide understanding of the market.
If you have fidelity. Invest in FXAIX. If not on fidelity, then invest in VOO. Both are technically the same and safer than confusing stocks that you looked up.
You could’ve sold and put the money into VOO getting 8% to 10% additional per year on average and you would’ve been set for life SMH…….
Why not do both as setting some aside for VOO and chill? or VOO leaps deep ITM and chill?
Finally entering VOO today after waiting for the last month. Have a feeling a rebound is getting close. Not fa.
Yeah but the drop rate on those during the drop years is way harder am I wrong don’t you have to pray for a bull years? Also VOO hold better during recession and has slightly beaten VTI most years because although you get more small caps the large caps outperforms those smaller ones
VFV holds VOO. It’s literally the same position. The only place it might make a difference is in an RRSP because you would not have withholding tax on VOO distributions but even then that’s pretty minor and probably irrelevant for you.
Unironically, either going to gamble till I hit it big or give up and VOO and Chill in a few years. We'll see.
if you put this into VOO, you could have been collecting essentially 4-5k off that 80k every year, near free.... why would you do this...
That’s great. Just buy more auto and weekly. Only sell when you have something urgent to pay for. You sound like you don’t realize the reason you don’t have more money. Stop losses isn’t the reason. You didn’t have a plan, you didn’t stick to it. That’s why you lost. You bought stuff you have to keep an eye on, probably stuff you should have never bought. That’s why VOO and chill is so good. But to answer your question: who knows if it is good for you. Was that 100k a significant part of your income invested? Could you have automated more? Only you know if you’re doing good for your circumstances. If you make 60k a year, that’s awesome. If you make 300k a year, you need better help. No way to know from just a number. I think it’s great though, best of luck!!
Should be VOO/QQQ you invest in there, not SPY. VOO is better to invest in and it’s literally the same thing. More money in the long run. And how long were you in those for? If it was more recent, yeah it’s down a bit but it always bounces back and what it does in the short term shouldn’t matter. You have to think bigger here, long term, decades down the road. Not days, weeks or months.
Bro my bitcoin dropped by $35k in a week. Still a millionaireeeeeeeee. VOO and chill for 20 years.
Already included in VOO/VTI/VT, you're actually less diversified if you buy it alongside broad market indexes.
It’s THE investment. Especially for people starting out. VOO has very low expense ratio and great liquidity
I know people here don’t generally agree with leverage and be warned, IT IS NOT FOR MOST INVESTORS. To responsibly use a tool like TQQQ, it is best to have a strategy. For example, a 200 SMA based on QQQ trading strategy will backtest to around 20% CAGR after tax (you can use testfol.io to backtest this easily). But that requires returns to continue (which while likely, is never guarantee), the emotional regulation to stick to the strategy, and good planning to handle the tax side of it. That’s why the default answer is VOO and chill. Because it is lower risk, lower maintenance, and less emotionally taxing.
I have a 30+ year portfolio but I'm growing a little hesitant with the tech portion of my Roth IRA. My taxable cash account is all 70% VT and then 30% large-cap tech stocks and mega caps. My 401k is 50% VT and 50% Tech FTEC. However, my Roth IRA is all tech, FTEC and QQQ. What can I do over a 30-year horizon to add something with a similar growth trajectory as tech that isn't tech? Everything is tech, VOO is already almost half tech, and I'm 100% tech. What etf do I add that has a similar growth trajectory that isn't tech for a high-risk, high growth, long-term portfolio?
I certainly wouldn't have VGT or FTEC as my only equity position. Yeah it has done really well over the last 10 years and I think tech will still do really pretty well over the next 10 years, but it should really be maybe at most 50% of your equity position and the other half could be something more generalized like VOO or VTI.
Throwing 20k on VOO tomorrow, sorry if we dip!
Realize that you’re probably not as expert a trader as you think, and were just riding the temporal wave of big tech booming higher, as well as really manic vibes in the market overall — so you put more into VTI/VOO and chill, and allocate a smaller piece of the pie for gambling. Build up a decade of trading in this manner, then look at your fun gambling account’s performance and compare it to your *actual* investment account, and then you can figure out if you actually know what you’re doing or are just throwing money into the wind.
For some reason I cannot stand automation on anything i don’t even use auto pay I feel like something isn’t going to go right if I don’t do it myself and idk if I’m weird or not but I enjoy doing everything manually. And my main holdings in my Roth are VOO and QQQ. And yes this year I took a well needed trip and was stressing about spending the money on it but super glad I did and I have enough Amex points to get a free flight to Japan so I plan on visiting there sometime in the future.
Do people not realize that you can diversify instead of staking in on one thing? Looking at their graph we can see they’re not just bearish on VOO but doing shorts. Evidentially someone who wants the low stakes and high gains of a CD would do so and if wanting some diversity in their risk would have some such investments.
I mean just different risk tolerances. I too personally like a nice stake in SPMO. But nonetheless have quite a bit in VOO.
Selling cash secured calls on VTI, VOO or SPY, only to find that the value keeps going up (so we can only roll indefinitely or eventually get assigned)…
Just SGOV the risk averse amount. Add VOO or QQQM on an auto weekly basis. Don’t sell anything. Sell only when you have something urgent to pay for. Find a trustworthy pro to talk to. Best of luck.
With all your previous losses you would be up more buying VOO. And you wouldn’t have wasted time trying to beat the market. L
Ya dude. You are gambling and not investing. The bogleheads advice of VOO and chill is honestly the best for you right because you are just chasing dopamine hits. Some people’s brains get wired like this permanently and it’s sad to see gambling addicts. Look into bogleheads. Best of luck to you.
I’d go VOO, FTEC, and SCHD/DGRO
I 100% agree with you, and also want to note something that bothers me with some of the general statements about "being in the market" that people seem to say. Not saying this is you *at all*, but common discussion that I want to write down somewhere. So many people point the the S&P and view that as the *the* rate to be reaching for. You, however, seem to imply some sort of allocation model -- so, stocks, bonds, metals, reits maybe. I think it is GREAT to do that. I 100% advocate for a responsible allocation model for your age and risk tolerance. THAT rate of return over the long term might be different than just S&P or QQQ or whatever thing is being tracked. An age appropriate allocation model is safer and more diversified and more built to withstand a downturn, but it is going to return less in bull eras. And if someone is 55, I don't think they should be 100% in on SPY, VOO or whatever *supposed* diversified stock fund that is in favor (SPY isn't really diversified). In a "lost decade", a responsible allocation model will give a person the armor to be shielded from *some* of the chaos. In good times, however, you likely have to shave some percentages off of the expected return numbers the investment community somewhat glibly tosses around.
>Currency risk has been my rationale to avoid overseas investments but that's just an excuse Actually you have more currency risk without international diversification because basically you're allowing your portfolio to fluctuate entirely by the whims of USD valuation relative to others >How have you done? Very well, but that's because I've been VOO/QQQ the past 5 years. This year I did a lot of my own regression analysis and concluded that not only was int'l diversification long overdue for me, but the projections indicate a severe overweighting So I'm very happy to be poised for when the market tude shifts back to developed/emerging markets. My pity goes out to all the fresh retirees in 2025 who are 100% in the US market. They will most likely have a rough time
SPMO is better imo. You take out all the companies that drag VOO down and focus on the top 100 companies that have had the most momentum over the last 6 months.
As stated already, depends on your strategy and risk tolerance. The strategy behind VOO and chill is cool if you want to just not think about it. I trade individual stocks and that comes with a plethora of research. I go into CEO's, how much they make compared to their employees, what they define revenue to be, and where they will be in this quickly changing geo-political climate. The House and Senate is who I watch, because people dont realize they tell you what they are doing before they do it. Ive waited with cash on reserve for months before my buy opportunity is good for me. I watch stocks for a good while before I commit capital towards it. Because I care more about the fundamentals of that company and what they do, stay away from media outlets who report fear more then fact.
Mainly 2: 1. The people waiting with more than 10% of cash on the side. They are never fully invested and miss opportunities for years. 2. The VOO and chill people. They are just invested in the S&P500 index. They are missing opportunities to be invested in growth index like Russell 1000 growth. Over 10 years, it’s like a +100% difference in returns with VUG.
You’re doing great! Make sure you’re automated. Buy VOO or QQQM auto weekly. Set your 401k to lowest cost sp500 fund (stay from target date so young). Spend less, invest more. Do that while you can. One day you will higher bills. Sell only when you have something urgent to pay for. You have too much emergency fund IMO. 1 year? As 21 year old? Too conservative. Now if you will use some of that emergency to travel and have some fun and be young, sweet, I’m down with that. But you’re doing awesome! Keep it up!
VT, VOO, QQQ these are my top three Here is my quick guide how to navigate markets backed by facts and stats NOT feelings. If you are in US Open Roth IRA ASAP and try to max out (7K/Year). Roth IRA you are NOT taxed on capital gains! If not in US figure out if you have any tax advantage accounts and better than taxable brokerage account. Pick a portfolio according to risk tolerance Invest in ETF like VT (global market) or VOO (US market). As long as world economy keeps growing and fiat currencies keep loosing purchasing power (inflation) VT will go up forever. If you can handle risk add some QQQ for more tech exposure. Tech has had largest gains over last 10y and doesn’t look like that is changing. US is building out entire tech infrastructure for the west. Low risk: 100% VT (global market) Med risk: 80/20 VT/QQQ (global market & tech) High risk: 50/50 VT/QQQ (global market & tech) Pick whatever fits your risk. Low risk portfolio can drop historically 40% and high risk 60%. Statistically they always have recovered. Open broker account fidelity (or IBRK) good in US be sure to pick Roth IRA when opening. Search for ticker VT in broker app. Select number of shares and market order. Confirm order and you own ETF. Buy always and plan to hold min 10Y. Statistically trying to time market never works. Never panic sell unless 10Y hold mark is reached. Drawdowns are normal and part of investing. Side note: Statistics show short term trading will always loose you money. 95% of short term traders loose. >93% of hedge funds (short term trading experts) don’t beat VT over 10y. Investing isn’t hard people just like to make it difficult.
These are the best three ETFs VT, VOO, QQQ in my opinion. Here is my quick guide how to navigate markets backed by facts and stats NOT feelings. If you are in US Open Roth IRA ASAP and try to max out (7K/Year). Roth IRA you are NOT taxed on capital gains! If not in US figure out if you have any tax advantage accounts and better than taxable brokerage account. Pick a portfolio according to risk tolerance Invest in ETF like VT (global market) or VOO (US market). As long as world economy keeps growing and fiat currencies keep loosing purchasing power (inflation) VT will go up forever. If you can handle risk VOO has more tech exposure. Tech has had largest gains over last 10y and doesn’t look like that is changing. US is building out entire tech infrastructure for the west. Low risk: 100% VT (global market) Med risk: 50/50 VT/VOO (global market & tech) High risk: 100% VOO (global market & tech) Pick whatever fits your risk. These portfolio can drop historically 40% to 50%. Statistically they always have recovered. Open broker account fidelity (or IBRK) good in US be sure to pick Roth IRA when opening. Search for ticker VT in broker app. Select number of shares and market order. Confirm order and you own ETF. Buy always and plan to hold min 10Y. Statistically trying to time market never works. Never panic sell unless 10Y hold mark is reached. Drawdowns are normal and part of investing. Side note: Statistics show short term trading will always loose you money. 95% of short term traders loose. >93% of hedge funds (short term trading experts) don’t beat VT over 10y. Investing isn’t hard people just like to make it difficult.
Even if I was in VOO from the moment I started investing I wouldn’t be at 240%. So mathematically it’s a better idea to gamble. 🧠
Hey there - hoping to get some insight from you all. I recently sold $590k in cryptocurrency and I'll be looking at about $165k in taxes that will be due by tax day in 2026. That's a ways off and I'm hoping to park it somewhere that I can get some yield. From what I can tell I could do a HYSA, or perhaps put it in something like VOO, the latter of which will not be risk free. What is my best option here, given that I am tolerant of some risk (see crypto). Thanks for your insight!
I'm invested in large passive index funds. I would sell, for example, VOO and buy SPY or FXAIX within 1-2 days, as soon as funds are available. I would sell all my lots that have losses, and buy SPY/FXAIX with that many, until it has been > 30 days, then switch back to VOO. No day trading, I want to be invested in the same (or similar stock) long term, and just harvest losses, if there is a point, as I don't have any gains, and shouldn't get any in the near future. But I don't have any gains now, and I doubt I will have some gains for quite some time, as I want to hold long term. This is why I wonder if tax loss harvesting would actually be useful.
I'm invested in large index funds. I would sell, for example, VOO and buy SPY or FXAIX within 1-2 days, as soon as funds are available. I would sell all my lots that have losses, and buy SPY/FXAIX with that many, until it has been > 30 days, then switch back to VOO. No day trading, I want to be invested in the same (or similar stock) long term, and just harvest losses, if there is a point, as I don't have any gains, and shouldn't get any in the near future.
Why do you like VTI over VOO
I'd use the FWRA but wouldn't use CNDX. I would not do the VOO + QQQM as others have suggested. First, likely taxes would be unfavorable. Then, that's taking on uncompensated risk (single country). It'd mean having no local exposure and could mean exposing the entire portfolio to currency risk with a single country (as opposed to only a part). Can you explain, using only the inclusion criteria (not past returns), how Nasdaq 100 makes sense to hold?
Not buying index funds consistently. People are chasing individual stocks, crypto, and whatever's trending instead of boring SPY/VOO. In 20 years the "this time it's different" crowd will realize it wasn't.
Not VOOing and chilling. Put everything in VOO and just don't look at the market. Auto invest. Check when it's time to retire.
>q literally follows 4,000 companies including those companies that people aren’t paying attention to. QQQM is 100 or so of the largest caps (which tend to have more eyes on them than smaller caps), far from 4,000. It also only allows stocks that list on the Nasdaq exchange: tech company listed on the NYSE? Too bad, QQQM isn't allowed to hold it. >I’m not in the business of taking high risk in hopes of the next big thing I’m looking for stability and longevity VOO and QQQM are not exactly the most stable things. Both can and have seen massive drops taking years to recover. Also, wanting stability is not what you said above: >having qqqm puts me into a better place to have higher growth potential . >and these specific ones have proven again and again that they have that Being heavy on one sector does not exactly make you "stable." If that sector falls, you get hit HARD. Extreme example, but real and relevant: in the dotcom bubble, QQQ (internally identical to QQQM) saw a drop of over 80%. It took over a decade to reach the previous highs. S&P 500 dropped, recovered, dropped again, and recovered again during that time.
Alternatively, I am legitimately up 400k+ using VTSAX which is basically VOO. Port size matters, and your willingness to add long term matters. Even if you can occasionally win gambling/trading scale is what's hard about gambling/trading. It took me around 10-15 years to get to this point but the ship is sailing now.
I know that not all of it is in tech but it has more reach than VOO considering that v only tracks the top 500 and q literally follows 4,000 companies including those companies that people aren’t paying attention to. As for the ones who don’t choose that’s non of my concern honestly I’m not in the business of taking high risk in hopes of the next big thing I’m looking for stability and longevity and these specific ones have proven again and again that they have that and so that’s why I chose them like I said I’m only 26 the market can die three times over and I still have the ability to wait it out
>Yeah but having qqqm puts me into a better place to have higher growth potential Valuations could easily suggest lower expected future returns. Long term, they're the best tool we have. >QQQM is following nasdaq qqqm give me more variety tech wise Over 85% of QQQM's holdings are inside VOO. Not all of QQQM is tech (unless Pepsi seriously changed what they do). >and is also way more tech heavy Tech is already expensive compared to other sectors. (Let's pretend QQQM is a tech fund) You aren't betting that tech will do well directly, you're betting that the market is either still under valuing tech or that tech is the only sector not over valued. But also: What about tech companies that don't choose to list on the Nasdaq exchange? Why do you treat them differently?
Measuring if you are in the green or not isn’t a complete picture. Measure yourself against VOO, VTI, VT, etc. Once you factor in opportunity cost you did much worse than losing $69k.
I wouldn’t pick NVDA, since it’s the top holding in VOO at about 8% of assets.
(copypasted from my deleted post) Currently at 30 shares of WMT thanks to the Associate Stock Purchase Plan (15% match up at $70 per pay cycle). Should I continue to stack up this stock or should I sell a large portion of WMT and throw it into VOO/other high performing 10 year plan ETFs? I make roughly $35k/yr, engaged, and am currently pursuing a bachelors in Information Security (degree available from WMT's college tuition program). Probably going to eventually decide between CyberSec focus or staying broad with InfoSec depending on what is more desired.
Maybe look into safer stocks such as stocks that are in the top 10 of VOO.
Yeah but having qqqm puts me into a better place to have higher growth potential I mane of course I understand the risk and that it could also go in the opposite direction of course. Yes there is over lap but given that VOO is following the S&P and QQQM is following nasdaq qqqm give me more variety tech wise and is also way more tech heavy
Oh God I've lost so much on biotech and clawing back with responsible shit like VOO had been a grind
This is already priced in to the current valuations on tech (and qqqm is not just tech). And it’ll already be in VOO anyways at market weighting. Just seems like doubling down for no reason (you will be missing small caps and have a very low weighting on international). Not the end of the world just think you might be making it harder than necessary.
>also given the studies Which studies? I can point to some showing benefits of also including small caps. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ Notice that in the table in the CBS link, small value and small blend beat out every category of large cap. >that I’m not in the best place to have many options financially right now VOO just feels like the safest bet for me especially being that all my investments are long term plans I'd argue that for one fund portfolios, there's several funds that would place above VOO. Especially for long term. VT, RSSB, target allocation index to name a few. >10% QQQM QQQM currently sits in the large growth area. But see what tends to be recommended by the factor investing links I provided above (hint: not large, not growth).
I chose VOO because I prefer to track the S&P vs the masses that VTI follows also given the studies and that I’m not in the best place to have many options financially right now VOO just feels like the safest bet for me especially being that all my investments are long term plans
I'd say no. Common current recommendations tend to be for 30-40% of stock be international, you'd be skipping the US extended market (why VOO over VTI?), and you should be looking at your US to international ratio as a sum of all accounts intended for the same purpose (which is where the 30-40% would come in).