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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
What you are seeing right now is EXACTLY professionals advise for diversified portfolios. Yeah, it isn't the sexy huge gain screenshots people like to post, but like most gamblers, you only see the wins, not the losses. Pick a core position in good, solid companies with good fundamentals and in diverse sectors. (retail, manufacturing, tech, AI, defense, consumer goods, bonds, etc) and in a ton of solid ETF's (VOO, VTI, QQQ, JPEQ, SPY, SPYI) and some gold and silver. Sure, take some long shot bets if you want. I have taken some long plays that may make good money if they take off, but they certainly won't ruin me if they fail. Investing is a marathon, not a sprint unless you are very, very lucky.
geezus, out of all the software companies that have taken a hit, youre thinking about the one that is most likely to actually go bankrupt due to AI .... dude .... stop please .... just put whatever you have left in VOO and let it sit, this aint for you
Bro you need to VOO or VT and chill, if you are really fiending for an individual stock go BRK.
Very well written answer. I think you just convinced me to go into VOO over QQQM. Thanks.
VOO and ~~chill~~ panic and sell everything
Depends. Those particularly skilled definitely can time things better. Cash is king right now, since the VIX is trending. Long term positions can be hedged, deferring taxes but preserving optionality. One can be equally long VOO, short SPY, for short periods of risk-off. No options premium to pay. But yes, for 99% of investors working a 9-5... they haven't got time, economies of scale, structure, or the accountant to deal with volatility, so it's better not to try.
You maxed out your Roth contribution in a low cost index fund at the start of the year, so presumably you cannot invest any more money this year in the Roth correct? You jest about uninstalling the app, but realistically, that is the statistically best advice because there are no actions you can take besides selling and investing into something else, de-worsifyjng your investment. 100% VOO (Or VT, VTI, etc) assuming a time horizon of 10 years or more is the best investment sans luck or edge.
You'd have 23k in gains if you just left that initial 15k in VOO, not need for 100k
Well I'm talking about the large ETF and target retirement funds in general. It just props up businesses long past their prime. More and more grift in the total market every day. If you don't work to select investments carefully I think you'll get wiped out sooner or later. The whole VOO and chill thing will work until it doesn't. And there will be a lot of pissed off people who never took a vacation. Just my opinion but you do you.
USDU outperforms VOO in the long term.
VOO goes below $600 and this is how you pussies act
People always jump to QQQM because yeah, recent returns look better and it feels obvious. But you’re basically concentrating risk way more than you think. QQQM is heavy tech. If tech runs, you look like a genius. If it stalls for a few years, you’ll feel it way more than VTI or VOO. That’s the part most people ignore when they say long term. Also long term doesn’t mean smooth. You can easily get a 5 to 10 year stretch where QQQM underperforms broader markets. Happens more than people think, just no one talks about it when things are going up. VTI is boring but that’s kinda the point. You’re owning everything, not betting on one sector staying dominant forever. Honestly the real answer is balance. A lot of people do something like mostly VTI or VOO and then add some QQQM on top instead of going all in. Feels slower but way easier to stick with when things go sideways. I keep this stuff simple and write about it from a normal salary perspective, check my profile if you want 👍
Buy your normal SPY/VOO and proportionally short this
Crazy disparity between SPX futures and actual AF trading. Futures up .20% but VOO down 0.09%. They usually trade in concert. Gonna be interesting market tomorrow.
Yeah, QQQ has a lot more overlap with VOO than VGT does and VGT gives you exposure to smaller tech companies that aren’t in either fund.
If you’re already investing in VOO/VTI having FTEC or VGT is better than QQQ
What makes you say it has underperformed? When I compare it to VOO and SPY (see for instance this chart https://testfol.io/?s=38jvXKWXqfy) there is very little difference between the total returns of the three ETFs.
It’s absolutely unethical and blatantly illegal market manipulation. At the same time, it only works if people panic and actually put any weight into the words of an idiot who happens to be the nation’s leader. I trust nothing out of his mouth, I certainly don’t let him dictate how I invest. I will continue plodding along, buying my VT and VOO and VXUS once a month every month, and not let day-to-day fluctuations (especially the ones designed to scam me) change my behavior.
You can definitely do that. I personally use ETFs since they have a lot more options. Here's a nice table to bookmark: [https://www.bogleheads.org/wiki/Tax\_loss\_harvesting#Substitute\_funds](https://www.bogleheads.org/wiki/Tax_loss_harvesting#Substitute_funds) While the IRS has yet to formally state what they consider substantial identical, I personally try to avoid switching from a fund like VOO to IVV since they follow the same index. Luckily there's a lot of very similar funds that track different indexes, so I TLH to those first. You don't need to wait any days either. For example, if you purchase 10K of VTI and it drops 3K, you can immediately sell it and buy something like VOO and reap the harvest with no issues.
Options are for maybe 2% of my nut. The other 98% is VOO or cash.
I feel you. But unless you need that money tomorrow , next years, all you have to do is stay invested, DCA, VOO and chill? Shit will go down with or without him. Pandemic , AI bubbles, inflation. This stupid fuck is just much more vocal about his agenda. But if you’re trading options, theoretically his volatility is a traders dream.
500 robinhood shares of avg 102 and 300 QQQ shares of avg 611. They are crying in the corner. It’s better than to lose them in the options. Try selling a covered call on VOO. Target 45 days and with a comfortable strike price. Premiums are juicy right now. So you should offset some losses.
I feel like the key to passive investing is to be oblivious. I didn't even know we were down 6% until I looked today. Apparently VOO took a 17% dive last year, didn't know that until today either.
SPY/VOO after hours only up 0.3% and ticking down as of 4:55p. Don’t think Donnie’s pump attempt is going to work. We’ll see tomorrow.
Same here; if I had 100K; I would do 80K Googl and 20K VOO
They said VOO and chilll. me down 7% since Jan 2026 (it;s only been 3 months) I guess -20 in next 2. So much winning
So you’re holding shares that are down 8%? Isn’t VOO down like 5%? What is this 401k bullshit???
I'm not an expert on this, but if even a VOO and SPY swap doesn't trigger a wash sale by the broker (nor there are cases of IRS complaining) then I would say you're pretty safe.
If the stock market is in a 2 sigma bubble, that’s inflated assets. You’re so fixated on the 3% YoY inflation you don’t ask yourself if the VOO is inflated. If you think I’m wrong, but the VOO right now. You lost 1.5% today alone and that’s just a sample of what’s to come. I’m all cash and I’ll be laughing my ass as you get cleaned.
I've just been buying VOO to DCA down instead of trying to pick the right stock lol.
You'll probably be okay OP, long as she doesn't find out about the milli you YOLOD on VOO.
VOO went up 20% on this interview so joke's on you
This thinking amazes me. You talk about inflation when the VOO is more inflated than almost any other asset.
Yeah buy shares in SPY/VOO not this pile of dogshit you dumbass... truly regarded
Just bought a little VOO in the 401k. What a deal!
DCA slowly (many may not agree, but it is your money and your risk) with VOO, read "**Bogleheads guide to investing**"
Are you saying I should hold off on executing a limit order at $595 for VOO?
What does option mean? Sorry i have little knowledge about stocks lingu, that’s why i always invested in VOO and well known companies.
Lmao buddy, that’s one way to become exit liquidity for SpaceX Go on, VOO and chill into exit liquidity 😂
I’m just DCA’ing VOO and chilling. Things will be fine long run.
I should have become one of those guys that charges people 1% to buy VOO and bonds for them
Do not day trade, it is highly unlikely you will be profitable doing that. Keep doing whatever you're doing and put money away in low cost funds every week ($VOO). Don't dump the full $100k into something. You could dump like $10k at once just to get things moving but from then on just add a small amount each week.
Think long term, but something you never have to sell, because then you never have to pay taxes. You can access capital gains tax free through margin - (sbloc), for that purpose I buy VOO. Dollar cost average and buy into it regularly and the ups and downs really don't matter. This is something that works if you have a long time horizon but not if you are older and need the cash .
**Long-term investment portfolio, age 30, budget $150k** 1. VOO – 40% 2. QQQ – 20% 3. GLD – 10% 4. BSV – 5% 5. VGIT – 3% 6. TLT – 2% 7. FTGC – 10% 8. SPMO – 5% 9. ARKK – 5% Now, let me explain why I designed it this way: 1. VOO is a fund that invests in the S&P 500 index. 2. QQQ is the Nasdaq-100 index fund. 3. GLD is a gold fund. 4. BSV is a short-term U.S. Treasury bond fund. 5. VGIT is an intermediate-term U.S. Treasury bond fund. 6. TLT is a long-term U.S. Treasury bond fund. 7. FTGC is a commodities fund (aluminum, iron, steel, copper, barley, wheat, palladium, platinum, and more). 8. SPMO is a momentum stock fund. 9. ARKK is a technology fund. I’m waiting for your comments.
Small caps for whatever reason seems to have a disproportionate number of promoters compared to actual size. Not sure why. After a big crash they tend to get overly beaten down and there's tremendous opportunities. But precrash they are actually anti-momentum... The winners \*leave\* and graduate and leave the Russell. The losers \*stay\*. VOO punishes and kicks out losers and give more weight to winners.
On this sub and across all of Reddit, the Dunning-Kruger effect is just far too common. Lots of “Reddit Experts” talk very confidently that they know what is going to happen, when in reality they don’t know shit. This is why most people should just VOO and Chill.
Fellow hustler. We might be entering a recession, maybe a long nasty one, with more volatility and craziness from the Trump administration possible. But! If the world doesnt end and the Dems win in November we might be back to "normal" by end of year. You need to decide what your goals are and learn as much as you can. Most people recommend a full market fund like VOO and they have had 15-30% returns a year lately which is alot but might be around 5% for the next few years because of craziness haha. Maybe wait a few months and just watcht the market, watch voo, watch if wars expand and maybe leading to a depression. If so hold onto your money. I personally am focused on growth and invest mostly in a small number of stocks that I feel have the highest chance of high returns: DRTS, NLST, IBRX, SLS, ASTS. Some people do most in something safe and a smaller amount in high risk/high reward. Like 80% VOO and 20% some of these stocks, for instance.
Of course this happens after hours when I diversify for the first time out of VOO in weeks
It's generally not a good idea to try and time the market. The best approach for $70k is often to dollar-cost average into a diversified portfolio of low-cost ETFs like VOO/VT over a few months. This mitigates risk and ensures you're investing for the long term.
How old are you? How much cash? I'm mid life and don't give a shit about what the number behind the dollar sign in my account says. I care about the number of shares I have in things I believe will make me money. I want that number to go up. I'm at least 20 years from retirement, a retirement that increasingly looks like won't include today's social security if any at all. If there's a crash, then I can make my shares in VOO or whatever else looks attractive go up faster. If that doesn't rebound, then we'll all have much bigger problems.
It’s part of the learning to invest story. Don’t tell me when you first started to invest that you picked VOO and sat on it for 30 yrs. No, I bet you had some microcap stocks, got burned on one or two, went safer, etc. We all go through some version of this and we’re all gamblers. We just learn how to manage our risk better through trial and error. So they’re starting early - losing $100 here and there when you’re 19/20 years old will teach you life long lessons very cheap. But now they’re familiar with the app, investing, etc and they get real jobs that make real money… they won’t be using Schwab (what I thought was a sleek UI back 15 years ago) and cutting edge at the time (cheap trades I think is what hooked me - back when you had to pay for a trade!) - guess what? I’m still with them just for the sure pain in the butt to transfer everything to a new broker - they all do the same shit now so why switch. So they have captured Gen Z - no other financial app even comes close for that demo.
QQQM = betting that tech dominance continues forever. VOO/VTI = betting that the US market broadly continues. For 20+ years, QQQM's concentration in tech is both its strength and its risk. If AI delivers, you win big. If it's the next dot-com, you eat a lost decade. I go with IVV (S&P 500) rather than QQQ. Even though I am very optimistic and believe in tech dominance, but still I'd like to have some balance to make me sleep better. IVV has enough tech exposure already. Diversification isn't about maximum returns. It's about surviving whatever comes.
I’m 100% in VOO in my 401k for 13 years now
With the market going lower, and may go further down, the best path for you is to make a plan to invest the same $60k but on a recurring basis every week over the span of next 12 - 16 months … Just pick up some ETFs like $VOO $QQQM $VXUS $SCHD $SMH $GLD The results in around 2 years will amaze you
You can slowly DCA, like 1k a week or more and put in VOO. You can add some VXUS when the oil prices start to stabilize
What do you mean? I primarily use Fidelity and have my life saving in VOO and FXAIX
Why would be their name? I.e VOO. SPCX?
VOO is down 2.3% since October 2025 ... S&P 500 is down 4% YTD
VOO and chill wrecks 95% of wsb ports. Just saying.
I actually just called up Salim Ramji at Vanguard and he’s going to create a fund that is basically VOO minus SpaceX, he’s a pretty nice guy. Little surprised he was willing to listen to me, but a 401k with 25% allocated to his funds must have been a pretty good motivator.
Thats what i did. I hold like $20,000 in MSFT and $120k in $VOO. It still sucks.
By forcing the indexes to hold these scam, IPO overvalued stocks they provide a perfect exit strategy for the shareholders that are already acquired privately and the founders, of course It’s really simple if you’re concerned about this just rotate out to some other passive index funds that aren’t just based on the S&P 500 or the NASDAQ 100. There’s quite a number of them out there. That’ll still have quality filters and you’ll get great diversification. Or reduce your percentage of index holdings in the QQQ or VOO. SpaceX, Anthropic and OpenAI all look like rip off IPO‘s that are really there to allow the current shareholders to exit and get a cash King holiday. While everyone else gets screwed and left holding the bag once the lock up ends. I wonder if they’ll waive the lock up. for these guys too since they’re waiving the index requirements lol.
Buy VOO, hold VOO for the next three decades, profit.
I feel like I would move this comment up to the top if I could. It’s so simple and common sensical. You can ALWAYS invest in conviction bets once you have a good foundation. Whether that foundation consists of VT or some combo of VOO/QQM/SCHG/VTI/VEA/VWO/VXUS is irrelevant. Foundations first.
I think the tradeoff is basically concentration vs diversification. QQQM can outperform for long stretches, but it also ties you more heavily to one part of the market. VTI/VOO is usually the “sleep better at night” choice for people who want broad exposure without making a bigger sector bet. So to me it’s less about which is objectively better and more about what type of exposure you want to live with through a bad year.
The data shows QQQ volatility is much higher - just compare the derivatives premiums on both. In 2022, QQQ was down over 30% while VOO was down less than 20%. Let's say I wanted to buy a property or had some financial emergency, well it's clear which bucket I'd draw from in that time period. I've been in the markets for over 25 years - I've seen a lot of different scenarios play out. I'm also retired early in my 40's. I don't view my portfolio as "set it and forget it" and consume at 62-65. I'll consume some when I feel the need or desire to, and I'll leave some to (hopefully) continue to grow.
I wasn't talking about individual stocks but I still question why someone would hold some QQQ and some VOO. I say just choose one of those two.
I don't get the hate. I just started with Robinhood, invested conservatively and am up about 9% YTD. All the promotions that Robinhood offers (match, prize entries) apply to VOO as much as they do to a risky yield max fund. It's just a tool that lets you be as reckless as you want.
You don't need us to tell you what funds to buy. Figure out what diversification you want, that VOO or VTI do not give you, and then find funds that invest in those things.
Not really. Having QQQ just means you'll have a little more tech exposure than you'd have with *just* VOO. So, when tech's doing particularly well, QQQ has a better chance of out-performing VOO. But again, it's splitting hairs. Longterm, the difference is gonna be negligible, so I wouldn't lose sleep over it.
I would either increase VOO, or you could always look into something like QQQ or SPMO if you wanted to lean more tech-heavy (more than VOO already is at least). You could also totally keep the 20% into SCHD and be fine - nothing wrong with it. It's just that dividend stocks are purposely built to be less risky/lower gains, which makes them better for folks nearing retirement. At 31, you absolutely have the time to be aggressive.
Yes they’re fine selections. But this is Reddit so be prepared for hostile comments telling you that only an idiot would put money in something besides VOO.
The problem with timing is that the people who have been waiting on the sidelines for a bit have already pre-locked in more losses than what they might lose in a crash. For example, VOO and basically every adjacent flavor of broad US market fund has essentially doubled in the last 5 years (80-120%). Not accounting for inflation, even a totally catastrophic 50% market downturn (I think anything more than that is extraordinarily unlikely given how significantly investing behavior by both retail and institutions has changed in the last few decades) still would only bring you back to the amount that you would have had *anyway* had you just been sitting in cash… If you’re going all in now? Sure, you might get a little cooked at these valuations, but that’s just the game of risk.
Emailing the fund manager for VOO right now, also sending a LinkedIn mail to him
There's no reason not to do it if you don't mind the higher volatility of QQQ compared to VOO.
Unless you're retiring this year, stop looking at it. Put it in VOO (Vanguard S&P 500 Index Fund) and forget about it until you retire.
I hold qqqm in my main brokerage VOO/QQQM in my Roth. I’m a tech guy, and understand the volatility. I believe in it, and think it’s a great fund. Make sure you have a longish horizon though 5+ years.
Same. Just going to keep DCA VOO in the all-cash boomer 401k and sleep. Now the trading account is another story. Super schizo in there
As some say past performance doesn't help much. QQQM is about 8-10 percent down since October. And VOO is up a little. Maybe 3 percent. So maybe a good times to invest if you believe in tech.
I don't see anything particularly wrong with it. A lot of people would come up with a similar allocation on their own. tbh, at 23, I'd just buy the same number of shares of VOO and QQQM each month in both accounts. And then rebalance to lean more into current income when and if you get closer to where you need it.
I am so glad this is Greek to me!! I don't know what the charts mean. Don't tell me! VOO or bust!!
He’re my plan: wait for a better position or simply miss the boat on something that was unlikely and I wasn’t going to invest in anyway ¯\_(ツ)_/¯ bro (op) acts like this is VOO and that we’re going to have to get in at some point
IMO - QQQ will continue to outperform VOO. But as time goes by the overlap will only get stronger as tech dominates the modern economy and will still only grow larger. As it stands today your top weights are almost the same in NVDA AAPL GOOGL MSFT AMZN META AVGO. I hold both VOO and QQQM.
I go VTI and VXUS in retirement accounts and VOO in brokerage
Friday EX div for VOO then I'm cash for the weekend
Yeah robinhood looks good and is really easy to use for beginners but it lacks several key features that make it hard to take seriously as a brokerage for investors or traders. No money market settlement fund and their high yield cash sweep program has only very recently started counting cash held as options collateral in your account. And the comission free trading isn't so free. Payment for order flow is a very real thing that impacts the options market the most. I've used Robinhood and Fidelity to trade options and I've noticed the fills I get on Fidelity are mostly better than Robinhood. Often more than enough to offset Fidelity's fees. And you still cant own mutual funds on Robinhood but they started advertising short selling to retail investors. Im glad Robinhood exists because it helped me and many others get into investing. But in my opinion, if you want to do anything besides DRIP VOO and chill you should get out of Robinhood
I feel like it’s going to get very ugly this weekend because there are no real negotiations happening. Once we reach Friday, Trump will make up some BS about how the Iranians aren’t willing to come to terms and send ground troops in. Then, once a couple American troops die, the war will enter a much bloodier, prolonged phase. I’m thinking of selling off some VOO and VXUS tomorrow because next week could be a market bloodbath.
He might be like my ex who put every cent into one obscure Chinese company, then didn’t touch it until the company had completely folded. Oh and the money came from a loan he took while in college. What did we do? We moved on. We didn’t put money in stocks anymore. We opened a Roth IRA in my name instead and contributed what we could. And honestly we could have done so much better with the extra money that we had. When we divorced I needed income, I’m disabled and I was barely scraping by using every trick and help I could, and then rent started skyrocketing. So I put some time into learning stocks to put some money into once I got my half of our assets. When taxes weren’t an issue, I traded stocks from well established companies that also had good dividends, just in case I needed to hold the stock for awhile instead of selling and getting income that way. I only had maybe half my savings in stocks, the rest was in a high yield savings account, so I got a little income there too. Now that taxes are a concern, I have that money in the S&P500, specifically VOO. I have sold some off as needed for expenses but the goal is to keep it in VOO for years to reduce taxes on realized income. The whole block will be sold when I’m finally ready to buy property. Recently VOO has dipped and I’m negative for the year. That’s after many years of incredible gains so I’m not worried. It will stay there and possibly recover, it might not. It’s not our only nest egg so I’m not going to worry about something I can’t control.
first, I ran a short (15-year) backtest of your allocation, and the return was virtually identical to that of 100% VOO. more important, I am friendly with Gemini, and I asked it to run a stress test starting with $1m, assuming 3.5% annual withdrawals, comparing 100% VOO and 60 VOO, 40 BND. in this test, 100% VOO ran down to zero by year 40, while 60/40 still had $1.5m. this is because BND held value during downturns when VOO suffered, and you could sell some BND and buy VOO while it was cheap.
mate at 23 you've got loads of time so don't stress too much about perfect allocation - the fact you're starting now puts you miles ahead of most people that split looks pretty solid tbh, though you might want to consider bumping up your international exposure a bit since you're so young. maybe swap some of that VOO for VTI to get the full US market, but what you've got isn't bad at all
A smart combination! In retirement I just VOO…in taxable I’ve jumped all over the place but finally settled on VT USFR IBIT, with three rules to follow involving cash flows and rebalancing.
I have some VT VOO VXUS and VYMI as my long holds and that I play with the rest
Stop gambling and start investing. Dollar cost average into ETFs and some high conviction blue chip stocks. Stop shorting anything. The barber goes up or sideways 80% of the time. I’ve literally become a millionaire buy buying boring funds and not getting cute with “trading” this is a tough lesson to learn. But you can and will recover. It just sucks cuz you could have bought DGRO, QQQM, VOO and you’d have been cookin. Take your licks and get back in the game without anything cute. Just DCA and rebuild.
Probaby chasing the "next hot thing" after it's gone up, and then panic sells at any sign of weakness. Surely they are not buying SPY/VOO or QQQ.