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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
Literally just dropped $10k at open on VOO. These dips are nothing more than the right time to make more money
VOO and find a second gig; S&P is 22 x earnings. Not a good time to be making bets with money you could need.
Yes — based on publicly indexed Reddit comment data, there are instances where the user u/VOO_bull_forever expressed negative sentiment about Bitcoin in a post. For example, in a r/wallstreetbets daily discussion thread in October 2025, this hashed together snippet shows a comment attributed to that username saying something strongly negative about owning BTC, expressing dislike and frustration with a Bitcoin position after buying in at a high price.
I'd love to see that too, but VTI and VOO are probably already bottomed out. I don't know that I have ever seen an ETF below 3 BP. The only mutual funds I've seen below that are FZROX and FXAIX but those are loss leaders.
You're right about single stock investing. It isn't easy and you have to turn it into a hobby if you have a good chance of succeeding - an educational background in a relevant field helps. Sometimes it isn't bad to choose a couple of the most obvious stocks to be 3 - 5%. I personally think it would be wise to own either AVGO or NVDA (AVGO is larger than TSLA now), just as an example. But yes, it would be wise to only keep a small part of your portfolio in single stocks and even then be careful. Most people here will recommend VOO to be most of your portfolio. I begrudgingly agree, but recommend making QQQ and VOO being spit 50/50 and representing 50 - 75% of your portfolio. QQQ, which represents the NASDAQ, has largely outcompeted the S&P over the years. Possibly an ETF in emerging markets (I wouldn't make emerging markets more than 5%) and developed markets (15 - 20% in my opinion but that may be controversial with some). This is not something you should do just because I recommend it - look into it further. Depending on your age your risk tolerance may be more mild and you may want bonds and some gold as well if your approaching retirement soon.
IDK why people put alot of money into risky stocks for long term. I get you that Data Center stocks are hot but why port 80% portfolio into it? This is why asset Management course is needed for all investors or should have a asset manager help you with risk management. Always have 15% in VOO/SPY 15% in QQQ/VOOG 10% SCHD 10% Gold 10% Bonds 25% Individual Stocks like MAG 7 or Monopolies 15% (10% into future bets and less than 5% yoloing on Calls) This way you dont take heat during down turns and will recover steadily once market goes up. Sell gold and bonds when market is down and load up stocks.
Thanks for the brutal honesty - I actually spent some time researching the 'Kelly Criterion' and 'Fat Tail' risks after reading your comment. Learned something new today, so I appreciate that. You raised some very valid points that I need to sit with, particularly regarding the "zero long-term real return" of commodities and the specific risks in Emerging Markets. I’m not going to tear down the portfolio overnight, but your input definitely highlights the need to strengthen the "safe core" (VOO/VEA) moving forward to dilute that idiosyncratic risk. Just to add some context: this portfolio is specifically my aggressive growth" bet. I do have a separate, lower-risk bucket (Time Deposits, Gold, etc.) that isn't pictured here, which is why I expect some level of volatility now and then. That said, I see your point about "weak signals" in Futurism. I do believe that powerful narratives drive markets, so I’m willing to stick with that thesis for a while, but I’ll definitely be more tactical about rebalancing the commodities rather than treating them as "forever holds". Definitely gave me a lot to think about for my next moves!
Well thats why VT is my core holding, the same way VOO would be a diversified core holding. I dont think you understand what that means
Ok I don’t know shit about stocks, I’m full porting VOO forever now
Folks are openly questioning the AI hype. But my personal theory is that it may also be folks liquidating their 401k. If that starts to happen systemically you'll see heavy sell offs of VOO and with delay sell offs of the underlying stocks - of which Mag 7 will see the most impact.
I invest monthly. For a couple decades now. Every month no matter what. 2008, 2020, and 2025, and 2026. Auto VOO and other ETFs. Selloff means sale prices. Do you go to the store and look for deals or do you just buy things when the prices go up?
VOO every single month. It's that easy.
VOO was at $624 yesterday. I bought all I could afford. Rather than look at these dips as disaster, the smart investor looks at a dip as a buying opportunity
Mostly staying the course (still contributing monthly) but made the following changes for now: * Investing less each month to have more cash on hand in the event of a major downturn, which I feel is increasingly likely. * Allocating slightly more towards established foreign and emerging markets, natural resources, and US value stocks. Less to VOO. * May DCA a modest amount in Bitcoin again if it hits close to $50k. * An individual stock here and there if I think there's opportunity, but this makes up like 1-2% of my portfolio. After 3 years of \~20% growth and the US economy largely hitched to AI growth at this point, I won't be surprised if the US market stalls or declines at least 10% soon. Can't time it, so I'm just investing more in other areas that feel less risky.
DCA into VOO for me. Rain or shine, that’s the strategy of mine. I just add more than normal during big dips
I'd take even just 1% of that to put into VOO or even SPY to start selling covered calls on. Damn.
Yeah thanks, not sure why I'm being downvoted in the previous comment. Had no agenda and just asking a question. Thanks! Opened the Uniform account for him and doing VOO and VXUS for now... $5/day aka $35/week into his account that I'll just manually divvy out as I get to it.
You'll be alright. Flatten your time sensitive positions and step away. Your risk management sucks. Should revisit your methodology while youre still up overall. Harvest the losses for taxes. Park the money in something like JEPI or VOO. Then come back once you get out of your head.
I swear to god, nobody fucking gets this because they started investing during COVID and they think that funds like VOO are like savings accounts. Older people have been able to witness a period where if you invested in something like VOO you could be fucked for a long ass time, but more likely a shorter time because they'd sell at a massive loss because the cliff looked infinite. The salad days are probably coming to an end for a while (I don't know shit, it just seems that way), and the bearish market will be rearing its head. Assuming 8% is legit dumb.
VOO is down 2% over the past 2 months, up 7% over the past 6 months. Relax.
Some of us still want to discuss investing in individuals stocks in an investing sub. The “just buy VOO” crowd is annoying. We heard ya.
The funds are fairly new so can only go back to 2011. But most common broad indexes can get you 6+% yoy on average since 2011:https://totalrealreturns.com/s/QQQ,SCHD,VT,VOO,VXUS
I'm doing the same thing, just sticking with my regular bi-weekly buys. Right now I am allocating 70% VOO 30% VXUS as those are my largest positions and give me a good bit of diversification. I'm not the most experienced investor but have been though some downturns and I think the most important thing is not panicking and selling. Just stick with your regular strategy, especially if it is a mix that is designed to handle downturns.
Pretty sure you'll only get answers like "DCA into VOO" and "stay the course" here. Which reminds me, if you do want US S&P500 exposure for example, make sure to look into which funds are appropriate. VOO is intended primarily for trading in USD. For example, Canada has it own version.
Well said. Asset snowball in the midst of uncertainty. But if VOO up, we should be satisfied with the state of things, right?
Majority going into SPY/VOO. TQQQ secondary. Gonna let all of the individual stocks get hammered more before I start buying them. All the individual stocks that I was buying over the last few months are all up now and I’ve started selling them. XOM, VZ, KO etc..
Hey fam! Sorry in advance for the long post. Last month my wife and I had our firstborn, and friends and family gifted him some cash. Growing up, my parents were new to this country from a third world country working hard and using every penny to put food on our table and keep a roof over our head, and they never thought to open some sort of savings account for my sister and I. All our gift money was sort of put in a “piggy bank” and over time used for necessary expenses. I had decided a while back that I am going to do something different for my kids and set them up for financial success, and have something built up for them in case they want to buy a house or a car or even pay for school when time comes. I didn’t like the idea of a 529 plan since the funds have to be used for educational expenses. Instead, I decided to open a UTMA account through Fidelity and invest the money. This is basically a long term investment, at least 18 years if not more. As of now, with my very limited knowledge and experience with the stock market & investing, here is a breakdown of the portfolio: 60% - VOO 15% - VXF 10% - VXUS 3% - FBTC 2.5% - AAPL 2% - MSFT 2% - GOOGL 2% - V 2% - COST 1.5% - NVDA I would love to get some feedback if what I did was smart, or what any of you might have done different for your child? I just based these investments on somewhat of a safety net + what I believe in! There is currently $2500 invested with the breakdown I gave (down to about $2437 this last couple says) and my wife and I will be depositing $500 into this account monthly at least until he turns 1 and God willing longer than that, and all his gift money will go into this as well. And like I said, I don’t have too much knowledge about any of this and am new to investing myself. Thanks in advance!
The average investor is clueless and/or risk averse, and managed funds are trying to beat VOO while keeping a super-low risk profile so their clueless, risk averse clients don't freak out on a red day.
Pretty sure there is not one investment out there with zero down risk. 8% with minimal risk would be through diversification and as an annual return average — some years more some less. Or just plop it into VOO I suppose. If VOO drops catastrophically there’s no real safe place for your money at that point anyway is there?
Signs that AI spending can not be justified by earning and income statements. That applies to both hardware and software stocks is the triggering point. I sensed it was coming even in 2025. I trimmed my AI positions significantly and added more bonds for hedging. This wipes out S&P500 index YTD -0.6%. Those thinking VOO is the answer for investment need to be cautious.
The last week has just confirmed for me how right the VOO and chill gang are. I’ve taken 15 years off my lifespan, gone grey and have barely broken even. Fuck this shit, time to be good at my real job.
Put a majority in $VOO, lump sum or DCA, really doesn’t matter a whole bunch in long run. If you feel market is hot or volatile then dca. You can leave 10-30% for individuals if you wanna be risky
100% -> 60-80% VOO / VTI an the rest VXUS
VOO and chill/ high yield savings, delete the app and go for a walk and enjoy the grass
As a VOO investor, I AM LAUGHING Levels we haven’t seen since December 2025 lol
VOO dipped about 3% in the last week, nothing significant
don't even bother, just look through his comment history. he full ported into like 2-3 stocks and even sold all his VOO holdings to increase his gambling powder. idk how he considers an 18% gain from last year as "doing nothing". dude doesn't even understand how ETF investors have barely lost anything compared to individual stock pickers. i would't even calk only owning 2-3 stocks as individual. I feel like if you are going that route you basically should build your own "etf" with like 10-20 solid picks in varying stages of growth/stability.
You have it backwards. VOO is an S&P500 fund. The S&P500 fund was developed to track the US market, and be a decent proxy for the US market. The S&P500 has done well because the US market has done well. Now that information for index tracking is readily available basically instantly, we now have true total US market funds. This is what the S&P500 wanted to be, during a time when it couldn't. Total US market and S&P500 have like 99% correlation, so it literally doesn't matter. Just use the Vanguard total market fund. I wouldn't recommend investing 100% into US stocks though. Single country is not a compensated risk.
It’s a good time for you to put 30k in VOO and delete the app apparently
It's not a sexy answer, but VOO and QQQ (or QQQM) and chill is still my plan. Full Disclosure, about 80% of my holdings are in Index ETFs. I have a smaller options account that I've grown in the last year. It helps me stay "safe" and also scratch that itch of being a dummy with the rest of you.
> The amount of work people put in while underperforming VOO I literally doubled my savings last year. Come again?
Yeah. For us who have just started investing, even our VOO is in red. So it’s quite sad to see that. But I’m sure 30 years later it should be good.
You think everyone here only has SPY or VOO?
Well excuse me but we don't just hold VOO shares lmfao. Look at literally any software stock's performance this month.
You've got to understand that we don't just hold VOO shares. A 3% drop on SPY usually corresponds to a drop of at least 10% for the average (non-bearish) WSB user's portfolio.
Only down 2k from my ATH total. Kinda of chilling in VOO. Can't wait to DCA into oversold stuff next week. I hope things continue to crash, if not, i'll be alright
People really overcomplicate all this. The amount of work people put in while underperforming VOO and basic etfs is crazy imo. Just buy consistently and it’ll go well long term
This is what we call a sector bear market in SAS companies. This is a market rotation into value stocks. So while some are in a “downturn”, others are not. When it’s BAD, you and the whole world will know it. This is nothing. So if you can’t take this, I suggest you buy VOO on a weekly schedule and just keep buying without looking at the news until you reach retirement age.
Guys I’m really close to just giving up and throwing everything into VOO
Don't log in to your investment account. Save enough money to not have to sell at a bad time. That's really about it Can I ask you why you're so broken up about the fact VT closed $0.07 higher than a month ago, and even VOO which has done worse is only down 1.8% in a month?
Setup a Fidelity account. Buy VOO auto and weekly. Set your 401k to sp500. Sell only when you have an urgent expense to pay for. Your parents and the few others don’t know jack about markets. No offense. Start with a weekly amount you can afford. Then work to increase that weekly. VOO is fine. Get as much in your 401k as you can afford. You will do great!!
I'm VOO and chill. Down 3%. I really do think we're overdue for a larger correction than that, but maybe we're in the thick of it and it's really the dollar that's collapsing? I have no idea. Stocks are just magic numbers at this point.
VOO and chill in that case. You'll beat 99% of us that way 🫡
VOO is for retirement account.
Long term DCA, swing trades, and day trading is where it is at. Last few months I was buying O, VZ, KO, XOM, T, and others when those were getting bitch smacked. Now I’m slowly selling those. Now I am going to continue to DCA into SPY/VOO mainly and slow DCA into TQQQ. I bought some bitcoin and Mara today for long term hold. Could care less what the market does. I’ll continue to DCA daily.
Over the long run, timing the market is always a losing strategy, as you've observed here. Like 80% of professional investors fail to consistently outperform general market funds like the S&P 500 (VOO) or NASDAQ (QQQ). Do you think you're smarter than them? If not, don't try to play the same game. Beyond that, retail investors have an atrocious record for choosing individual stocks. You've got about a 9/10 chance of choosing a smaller company that will make it big. Everything else will probably go bankrupt eventually, or at best, get acquired. Institutional investors will actually watch Reddit and make contrarian plays against it. They literally harvest redditors for funds. That's how often people here lose. If you want to be a responsible adult and preserve your wealth, put your money in some ETFs and never look at it. In the long term, red is just noise on the path to profit. So to answer your question, patience is a virtue according to pretty much all conventional investing advice.
The VOO and chill people aren't the ones panicking and posting on Reddit. That's why we see so many hot takes
Correction? Bear trap? Spy is down 3%... What's the problem? If you're too overweighted in tech stocks and down 20%, that's not the market crashing. That's an undiversified portfolio. Does no one in r/investing actually just...invest in the market? VOO and chill?
You already know what you need to do: Exit all your positions, VOO and chill. There's a lot of what I would describe as "Gambler speak" in your post. Losing a years worth of value is a small price to pay for the lesson that day trading isn't worth it.
This is why you invest in SPY/VOO and trade individual stocks
WSB is woke and retarded now. Zoom out. $VOO up 12% past year. Have you never seen volatility or did you just start looking at the stock market this week? What happened to WSB…
Remember when VOO was at a record? Seems like last week.
I should Be thankful my losses are minimal compared to others. I started Investing about a Month ago. $1,000 flat and Pushing that to 10k (Wishful thinking). This week has me Down -20% for a total loss of -$200. Not Selling so no real losses, yet. I have a Roth IRA that is heavily invested in VOO + VXUS My trading Account consists of SEGG (Thought I could catch a quick Pump) SLS DVLT BURU All split even @ 25%
Vanguard Institutional Total Stock Market Index is close enough to VOO that you shouldn't worry about the difference. It and VTI both "seek to track the performance of the CRSP US Total Market Index."
I really wish I had listened to literally everyone and only held VOO… I would only be down 3% instead of 30%. I lost years of roth ira profits in a week.
Take a look at the other people on here losing hundreds of thousands of dollars. The good news is this happened to you young. Learn from it, save, and dollar cost average into VOO and everything will be alright. The nightmare doesn’t end til you turn the page.
I always hold a bit of VOO as my “cash” reserve that beats holding cash but will retain value during a dip to sell and buy big deals Officially all out of VOO reserves
I’m just VOO and closing my eyes at this point. Go Zuck yourself.
Not in any of the stocks you have in your portfolio (other than VOO and NVDA). But then again, I am retarded.
Did you really miss their perfectly timed apple and amazon invesments? They made something like a 1000% return in 8 years on Apple. Yea they didn't buy a bunch of AI companies that are trading at 100+ PEs. Look how they are all performing lately. BRK has outperformed VOO on almost every time horizon longer than 1 year, they don't need your opinion on how to deploy their capital.
VOO finishing below 10% this year 🙏
How the fuck is VOO only down 1%? Feels like Armageddon out there
Dump everything and avg in to VOO and NVDA chevk again in 1 week🫡
Suck my nuts retard 😎 https://imgur.com/a/JQjE2WD Got half a million in VOO right now with about 2% of that value hedged on puts
Like it literally makes them look worse to go on the show. If you’re a listener and you’ve got a lot money, put it all in VOO or give it to Ken Griffin.
Don't invest an emergency fund. You have the right idea with VOO. Read the book "The Little Book of Common Sense Investing" by John Bogle. When you can, start a Roth IRA to grow tax free, and personal opinion on 401ks is only contribute to what you company matches as it locks you money away till you retire. 3 great funds currently: VOO, QQQ, SPY
I would highly encourage you to stop waiting, you need a 25% pullback to get in where it was 18 mos ago. That might happen... or we might be up 10% by May. You should consider a plan now to start investing, I might do 10% per month and you can accelerate that if we continue to have dips. But waiting for a crash to buy is how people missed buying VOO waiting for it to get to $300 when it never got closer than like $325.
Bought $15k of VOO like a boomer 👌
Waiting for a correction in ETF prices, gonna throw a good chunk into VOO and just sit back for a minute.
Closed my CELH position. Started buying in Aug 2024 at $38.25, added more at $32.13 in Sep 2024 and again in Feb 2025 at $21.68. I was planning to hold no longer than a couple years as it was a catch-the-knife play. Felt like a good time to raise cash so I got out at $48.38. Returned 38% vs SPY 26% and QQQ 32%. Used the some of the cash to open positions in VEEV and EZPW and added 4% more shares to each of my QQQ, VOO, AVDV, and AVUV positions.
apart from everything else people said - IVV and VOO are essentially the same thing, splitting them like that doesn't gain you anything. Just choose one or the other. If you want to diversify it, the way to do it is either through mid/small cap etfs, or some international market ones.
2.5m and I’d quit my job, throw it in VOO and work a job that allowed me to pay bills
VOO and IVV are both the S&P 500, so if you only want the S&P 500 (large-caps), then VOO is already diversified. If you also want mid-caps or small-caps, you can use VTI (which is total-US-market), or buy mid-caps and small-caps separately (e.g., SPMD and IJR, which are the S&P 400 Mid-Caps Index and S&P 600 Small-Caps Index). These should be much smaller allocations than your S&P 500 allocation. Also consider some international, either separately (VXUS), or you can just get total-world-market (VT).
Gotcha yeah would it be better to put it all in VOO? my thought was diversification
Take a look at monthly or weekly chart of VOO. We’ve been in a massive bull market since 2023. You entered the markets at what is likely the beginning of a market correction. If this is money you don’t need, just continue to dollar cost average and you will be fine in the long term. No one can tell you with certainty when things will get back to prior all time highs. Just have faith in the US economy and move on with your life. You’ll likely be fine when you actually need this money.
The market's been choppy as of late. In the short-term, equities might drop. In the long term (decade plus), you will very, very likely outperform a HYSA by a significant amount. One thing is that there's no benefit to owning both VOO and IVV. They're the same. No real harm in it, either, but I didn't want you to think that it was a form of diversification since they both hold the same underlying assets.
Yup. I decided to take 1/2 my deferred comp and toss into a self directed Schwab brokerage. I am doing fine. And after 8 months of learning and tinkering, winning and loosing, I am finally set in a number of ETFs I believe in. Quality ones, not fads. NOT VOO and chill or any of that but as of Monday I am definitely in the “chill” mode. I have to discipline myself to leave shit be. Time in the market. I like what I have on the brokerage side. The 1/2 I must leave in the deferred comp side has a range of choices and it’s split between VIIIX (SP500) and one much like PRGFX. I have a very sweet pension so I will watch for 6 months or so and reevaluate mid Summer. So…pick what ya like and the. Try to chill. 🤣
The stock market, or any tracking etf like SPY or VOO.
Been investing since 2019. First week I put all my money in and it crashed like 20%. I pulled a bit thinking how low it could go. Then slowly put it back in... Then March 2020 happened lol. Took me months to make back my losses. COVID scared the crap out of me. In the end I've been riding VOO and just dollar averaging in. Been doing okay but I had Facebook at it's low and it went up I sold it because I didn't know what was going to happen. If I held today I'd be 500k richer lol. I can go on and on. How many stocks I was individually invested in that only went down when I owned them and then I sold and they are up hundreds of percent. I tell everyone around me just to do the opposite of what I am doing and you will be rich.
VTI is down for the year, VOO even more. What 2% are you talking about?
Gentle reminder that VOO is up 12% from this time last year. Nana is doing fine.
amzn is my last chance. if i get hoed today i am switching to being boring investor who just holds VOO