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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
The 12% return sounds nice until you realize you're paying 0.97 expense ratio for the privilege of underperforming VOO which did 14%+ at 0.03. So you took on more risk, paid 30x more in fees, and still came out behind the index. The dividend reinvestment angle is also kind of a trap here. You're not really "collecting dividends" in any traditional sense — these funds are distributing option premium income that comes directly at the cost of NAV erosion. It's basically paying you with your own money and calling it yield. If you want to allocate 5% to something spicy just for the dopamine, fine, we all do dumb stuff with small money. But don't confuse it with a strategy.
it is up 12% with a 0.97 expense ratio, versus VOO that is up >14% with a 0.03 expense ratio. GO FOT IT BUDDY!!!
VOO is probably the better choice between the two. VOOG is basically a subset of VOO that only holds the "growth" stocks - but ironically, historically growth-focused funds tend to underperform the broader market over long periods. The main difference in dividends: VOO currently yields around 1.2-1.3% while VOOG yields less (around 0.5%) since growth companies reinvest more and pay out less. At 25 with solid income, honestly just sticking to VOO and buying consistently is a solid plan. The boring answer is usually the right one - set up automatic contributions and don't overthink it. You could add some international exposure later (VXUS) if you want more diversification, but it's not essential. One tip: tracking your portfolio growth over time can be really motivating. Even a simple spreadsheet works, but there are free apps that aggregate everything in one place.
for what, all US stocks? or the S&P 500? because all US stocks being 4-5% is pretty standard.. but I'd say more people here are VOO and chill rather than VTI and chill. and VOO will likely average more than 4-5% per year over the next decade...
I think we’re also seeing a bigger push for things like modified direct indexing over the standard “VOO and chill”. Palantir is a great example of a company people want to get OUT of. I’m looking for a platform for that right now, there are a few other companies I don’t like too. Maybe not in line with efficient market theory, but at this point it’s time to quite literally put my money where my mouth is. Maybe the general movement will resonate.
VOO and chill. Stop stock picking, at least for now.
I think you commented on my other post. I just opened my brokerage account two weeks ago and haven't sold anything from it to put in a CD. The CD is made up entirely of money from my checking account. I do have my 401k with a low cost S&P 500 fund currently. My brokerage account is with Fidelity and I actually have VOO and VXUS in it currently haha I don't take this as an insult. Sorry for the confusion 😅
The psychological shift is real. I found that once my market gains started exceeding my monthly contributions, my whole perspective changed. Suddenly you stop seeing your portfolio as just savings and start seeing it as an actual wealth-generating machine working for you. For VOO specifically - the key is staying the course through the inevitable 20-30% drops. Those are when most people panic sell and reset their progress back to zero.
Make sure your 401k is set to lowest internal cost sp500 fund. And dont go in there and panic sell like you did with the brokerage account last april to put it into CD's (common mistake by plenty on this sub). You should just buy VOO in your taxable, use a place like Fidelity, or find a trustworthy pro to help guide you. This is no insult, best of luck.
I think there's going to be a much bigger movement for modified direct indexing soon, at least with the S&P 500. Palantir is a great example of a company that people want to get OUT of, along with Tesla. This is my next move I think, finding a platform for essentially "VOO and chill", but remove some companies I just can't get behind. Palantir is the first one to get the ax. Maybe antithetical to efficient market theories, but at some point I have to quite literally put my money where my mouth is.
☝️🤓📚✏️ If you just dollar cost average into VOO...
Loaded question. Like the OP, your current age and time horizon are really important to understand for investing for retirement. In general, I prefer buying broad market-based index funds like VOO, IVV, VTI, or similar, because of the long-term rise in US stocks as a whole. But that's a gross oversimplification. I would prefer an ETF like SGOV over CDs, for it's liquidity. Many brokers over something similar for cash sweeps.
5 yeah long here as well. Im getting half my money out after a small profit and letting the rest ride. Drop the cash position into VOO like I should have done…
Potentially stupid question, but if someone has $100k sitting around, they should dump it in VOO and be good from there? Instead of, say, high-yield CDs?
Dude VOO is not recomemded for small hands. Just invest for JEPQ and you will get dividends average of 10,000$ to 12,000$ per year thus small amount of profit too
Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust volatility level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds should equal less volatility. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund. (VOO could be used as a substitute for the US stock market role of you wanted to skip smaller caps) VOOG is fully included inside of VOO and focuses on the "growth" side of the style box (growth factor focused). Be careful, "growth" may not mean what you'd think it would in this case - the companies in it are already priced for lots of growth (compared to the rest of VOO). For what longer term history has shown about growth vs the test of the market, see: 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/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * 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/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/
1. Remember a Roth IRA is just a type of bag with special tax rules. You need to buy investments to put into that bag (e.g. VTI, VOO). 2. A Roth IRA has low contribution limits. Max those, and then contribute by buying investments in other accounts (401k, brokerage). 3. Roth IRA is the best tax advantages (Typically, depending on your scenario) but due to contribution limits, not enough on it's own for a retirement plan.
Yeah your first statement is on point. And it also supports my point. I invested in NVDA in late 2022 and would not have gotten such returns had I only been VOO and QQQM. The same thing for Oklo. NVDA is a good example not because I “got lucky,” but because innovation waves often concentrate gains in a few firms. Broad indices eventually capture those winners, but with dilution. IMO, both are valid approaches depending on risk tolerance and conviction Also if you think NVDA is no longer a conviction play, I don't know what to tell you!. "However I think you fail to realise that a minority of the SNP500 stocks are responsible for most of the gains." But Apple, NVDA, NFLX and other large caps have outpeformed SP500. so that is not factual. I think what you meant to say is that the small comapnies keep the index afloat when the large cap stocks have a draw down, which again is irrelevent because as the data show, the S&P has underperfomed APPL, NVDA, NFLX, AMAZON, etc!
Wife and I together have \~$140k in VOO at age 27 in low cost of living area. Mortgage is down to under $50k with about $30k in car loans. What do you think should be the savings goal for when I turn 30?
Well here's a thought open a Roth IRA with vanguard or some other reputable company have it auto invested throw your 7k from last year in before April 15th and after April 15th contribute your 7 k for 2026. Most platforms offer a robo invest option which is semi actively managed use that as a baseline for funds to pick in an individual taxable brokerage. But yes VOO is highly regarded as the go to for most everyone. If you want to play around with a small percentage. 1-5% on single stocks it won't harm you all that bad even if you are terrible....
\>I feel like I shouldn’t only do the IRA That is probably correct. Save and invest for the goals of your life. The first priority is an emergency fund in low risk, liquid savings of enough to cover several months of loss of income or other unplanned expenses. This belongs in a HYSA, money market fund, or short term bond fund. This is more personal insurance than an investment. The next priority is investing enough for a comfortable retirement. A guideline for that is 15%-25% of gross (before taxes) income. The annual IRA contribution limit of $7,500 is 15% of a $50K income. If you make more than that you need to invest more for retirement. If your employment has 401K type retirement accounts with some employer matching it is best to contribute enough to that to get the free money employer match before contributing to a Roth IRA, then contribute any more that is appropriate to the Roth IRA. Employer matches count toward the percent of gross income. Jobs with pensions require additional calculation of how much is needed to invest for retirement. After those save and invest what you can for other life goals - car, home down payment, marriage, children, vacation, entertainment, etc. - whatever applies to you. VOO historically has been a good long term investment. Some people prefer more diversification beyond the top 500 US companies and including companies outside of the US. An example of that would be 70%:30% VTI:VXUS or VT which is basically that combination.
Rotating out of tech, into VOO
I take it from your comments that you're only thinking about the largest ETFs. VOO, QQQ, etc. There's something like 5,000 ETFs that trade in the US. They come in all sorts of sizes, shapes, and flavors. So to apply one blanket statement like the title of your post (wrong as it is to begin with) to all 5,000 is just silly.
As someone who is mostly a VOO and chill guy, any recommendations for international ETFs? Either by country/region or by sector?
Bam!! Thank you for being reasonable and raising important questions. Because VOO and QQQm are heavy Mag 7!
"I don't think SPY can break 696" "VOO is really calling my name right about now." Brother they track the same index
“VOO is calling my name right now” For some reason I’m also a Seahawks fan all the sudden lmao
I have about 300k liquid and no idea what to buy. I also don’t think spy can break 696. RDDT looks good on paper but insider selling is annoying APLD is a risky bet but could get the SNDK treatment if hyperscalers bottleneck more NVDA seems safe but china keeps interfering META/MSFT seem good too I really like HOOD but they are too linked to Bitcoin VOO is really calling my name right about now but I wanna make big money cause I got crushed with this sellout
You felt like a failure because you have a gambling problem. Notice I didn’t use past tense. You’re currently in a better position than the vast majority of people your age. You don’t need to take risks with any of this money, so don’t. Put it somewhere safe like SPY or VOO and let it grow while continuing to add to it. Consider locking some of it by putting it in an IRA. You sound like you’re gonna wind up doing it all again once the trauma settles and you feel secure again.
I would go with VOO. It has a lower expense ratio and it focuses on value and growth. The main thing you'd want to do, imo, with a position like VOO is to keep adding and never sell until much later in life. VOO is the better candidate for that - it should have steadier growth with less drawdowns. It also pays higher dividends that you can reinvest. Putting everything in VOO is perfectly ok for someone your age, imo. What I personally do is reserve a certain amount of cash, 10% max, in a money market or short-term treasury so that if I see a good opportunity on an individual stock, I can buy it without having to sell any of my long-term positions. I also use the cash to buy dips on VOO or other long term investments. As far as other ETFs, I also like QQQM. VTI is also good. You really can't go wrong with any of the Boglehead stuff. Probably the biggest thing when starting out is avoiding making mistakes. Keep it simple. It takes some time to get a feel for investing, go through a few market cycles, see your portfolio grow, etc. It's very easy to do too much.
Open a Fidelity account. Buy as much VOO on an auto weekly basis you can. Only sell when you have an urgent expense to pay for. You will learn a ton in the future. But thy the basics. Buy the sp500, don’t panic sell. Everything builds after that. Best of luck!!
Exactly!!! Like this is coming from an ETF stan. I don't buy flashy stocks besides NVDA. Evrything else is ETFS, T-Bills and Dividends. But the data show, if you were to pick 3 MAG 7, and then diversify with commodoties, dividends and other sectors you'd do fine b/c in theory QQQ & VOO are heavy in MAG 7!
See the /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics VOO can be ok, but it isn't a fund I'd consider acceptable as an only fund. At minimum, I'd want international coverage as well.
The IRA does not do anything automatically except provide some tax advantage for the future. You have to actively work with your brokerage to invest the funds in your Roth IRA; be it VOO or something else. And yes, you’ll want to regularly save outside of your tax advantaged accounts as well.
I mean I'll bite >Are ETFs Just Propaganda? No >However, recently I have been looking into buying some dips Definitely stop doing that >from the MAG 7 Probably stop doing that >And I started comparing performance. APPL, MSFT, GOOG all **outperform** QQQM and VOO in the past 5+ years. Yes, and? >I am aware of the following: >Past performance does not equal future performance >ETFs reduce risk Yes and yes >But, I feel like these arguments don't hold much substance once you consider that this "risk" is irrelevant given the upside in gains you gain from these top companies. >I just want to push back and want someone to clarify why this is not good reasoning?! Zoom out. First of all, 5 years is nothing. Secondly, we've been in a +15 year bull market (minus a few minor bumps). What about when we're in a multi-year bear market and tech stocks fall 60, 70, 80+%? >I genuinely feel like the "past performance does not equal future performance" argument is a stronger thesis because these companies could theoritically fall off the earth and that would upend the market and portfolios Accurate. But that goes hand in hand with "ETFs reduce risk" because ETFs hold a diversified basket of companies. If Apple fails, sure a broad market ETF would take a hit, but it (a) won't drop 100% or anywhere near it (b) will recover in time. >But even then, this relies a lot on hypotheticals and "Whataboutism" and "what ifs." Not really. Look up the top 10 stocks from 2010, 2000, 1990...
I mean, that would further bolster my argument and hence why I made this post! Microsoft Corp: 421,290.00% [](https://www.google.com/finance/quote/VOO:NYSEARCA) [](https://www.google.com/finance/quote/QQQ:NASDAQ) [](https://www.google.com/finance/quote/AAPL:NASDAQ) [](https://www.google.com/finance/quote/AMZN:NASDAQ)
Thank you! I'm always unsure of how to allocate my investments. I see some people advocate for 100% VOO, while others are like 70% VOO, 10% GLD, and 20% VXUS, or others do VT. Especially if you are in your mid-late 30s, how would you suggest allocating your portfolio?
I exited all individual stock positions last year and had been sitting in 50% SSO, 30% VOO, 20% VXUS (totals 130% S&P 500 exposure + 20% ex-U.S.). End of January, I moved 10% from SSO to cash in anticipation of some chop. Feb 3rd, I took a look at the BX skid. Good earnings, not ideal forward guidance, and pessimism around regulatory risk to residential real estate, some chatter about AI disruption to companies they’re exposed to, etc. The re-rating looked outsized, so I put on BX 135 strike 9/18 exp calls.
Looks solid you're already diversified across regions and sectors. For me, I also keep EFTs like VOO and add Fundrise so I'm not only tied to equities. The key is consistency more than chasing the perfect mix.
honestly, anyone investing and selling at the bottom is inferior. sorry u/VOO_bull_forever but u/Look_a_dinosaur actually IS better than you.
100k is a nice psychological marker, but compounding works the same at 10k or 200k. I hold VOO and add Fundrise for diversification so I'm building steadily without chasing a magic threshold.
Look at his chart of returns and the plays he made to get there. Just because he’s not using options doesn’t mean he stopped full port gambling. It’s not like he’s in SPY or VOO. He’s still full degen
Bruh how do you lose on VOO….
Trying to diversify and learn more about investing in general for long term success. Below is what i am holding right now. about 100k. looking into adding maybe looked into RTX and ASTS but being more conservative I also like SMH . Will make an effort to jump on here daily to learn with you all! VUG 40% VOO 40% TSLA 5% AAPL 5% AMZN 4% FBTC 2% LFMD 1%
Second thought: Why not just go VOO-VXUS 80/20 and live with peace mind, own most if not all of those companies? Lost of cool names in there though, I am 95% what I described above, but I tend to hold 2-3 extra that I have high conviction in. For me, those are AMZN, MSFT and SHLD (another etf, but defense focused) I was just clowning before haha
If you're scared before you put in any money then don't pick stocks. I'm not trying to be mean but you're extremely unlikely to beat the market even if you do everything right, and it doesn't sound like you have the risk tolerance to hold through serious volatility. You're best bet is VOO, VTI and do not look at it.
All the work you have to do to get the well paying job, which is ultimately unpaid, is what sets you up to build your nest egg. It would be nice if VOO 3x’d again over the next 10 years like it did in the last 10 but we could also end up with a lost, flat, decade. Don’t be the one to be laid off is the best you can do for yourself
In taxable I like an auto weekly amount of VOO. Then work to increase that weekly amount. For you, that would be 75/week. Then try to get to 100, 125, etc. simple. Why? Good money habit, and maybe take advantage of fast dips. There is nothing wrong with maxing the Roth early, I just worry most people who do this over save in cash. Have an auto for SGOV to make sure you’re not missing out. All personal finance is the same: spend less than you earn, have a plan to auto invest, have emergency fund, sell only when you have an urgent expense to pay for. Do that forever. Sounds like you’re doing great!!
15.7% is my average on a Vanguard account opened in 2015. It’s slightly more than VOO, mostly with VGT. And VOO is at 14.7% on the 1Y. And the anectdote being compared way up above in this thread was option plays!
Combination of VOO and VGT has averaged 15% per year since 2015. It’s been over or at 70% VOO that whole time. VOO is currently at 14.7% on 1Y.
VOO for half sounds fine if you don’t want to think about it too much. For the rest, I’d just spread it around a bit instead of leaving it all in cash maybe another broad ETF and keep some flexibility. I don’t really pick individual stocks either; I keep investing simple and mess around with trading separately using stuff like Top One Trader. Main thing is not letting it sit idle.
May I suggest you don't just have it in VOO. I'm not trying to push anything specific, but maybe ask Gemini or your AI of choice if putting a bit in other things could be beneficial.
A good app to track ETFs and Stocks is the Google Finance app. It also has sections containing currency rates and foreign markets. Pretty intuitive... and updates on the fly. As for VTI, it tracks very similarly to VOO, which is a Vanguard fund containing the top 500 largest companies. Some brokerages have their own version. Many prefer SPYM, which is the same as VOO but it's a tiny bit cheaper. VTI is great though. As for the turbulent times ahead...He's likely to get crushed during the midterms... so have faith.
After 10 years in the game, I realize that in this stock market, the less you know, the better off you are. For example, I remember when I started trading 10 years ago, the very first stocks I bought were Amazon & NVDA. I bought them because I knew them. I was shopping on Amazon. I knew NVdA because of their graphic cards. If I had kept them, my portfolio would be a lot higher now. But instead, I join FB groups, Reddit, etc and learned more about other small potential companies. And guess what, most of them failed. So just stick with big names and VOO.
i wont get liquidated bro it isnt options do you invest in VOO or something why so scared?
On track to hit $100k in VOO at 24. Hoping to retire in my mid 40s.
50% VOO 20% VXUS 10% Gold 10% SGOV (to buy significant market dips), the last 10% saved to deploy at value plays (but that’s just me personally).
"benchmark of \~2x income at 40" whats that mean? Like total invested? If I make $50K, then $100K invested in VOO by 40?
Isnt the $100K "invested in what?" the most important part though You can just as easily lose $100K betting on the wrong horse Or is everyone talking about a safe bet like VOO?
5-10% is not the best fund managers that's VOO
If you had $100k in VOO on February 18th 2025, by April 7th 2025 you would only have $81,299. If you had $100K in VOO in January of 2022, you would spend two years watching your $100k shrink to $75k by October 2022 before it slowly climbed back to $100k by January of 2024. That's two years of it not taking off at all. So no, having a $100k doesn't make your investments take off. It makes a downturn scary and stressful. A hot market makes your investing take off.
What type of account was it set up in? Expenses on the fund are quite high, but that’s an artifact of our time. You’ll notice since we were kids, much of what funds like MIGFX accomplish have been replaced by ETFs. Mutual funds tend to be expensive. If you’re indifferent about the underlying investments in the fund and the taxes are something you can sit with, you might find value in what you’re suggesting. Really just depends on your risk tolerance. Some mutual funds like the one youre in will shift the portfolio intentionally to reduce drastic swings you might feel with a market-based ETF like VOO. Hence seeing very little gain recently. If in the future you use this fund for retirement, you may appreciate it smoothing out and still offering long term growth. This makes it easier to reliably divest with less timing risk. However, if you’re in need to play catchup and your overall net worth isn’t where it needs to be, your ETF idea will give you a greater probability of doing just that. All comes down to your strategy and what’s gonna hurt most.
100k is a great chunk, depending on age of course, but continue to add to it monthly no matter what. I'm 36 and have about 37k into VOO, trying my best to hit 100k by 38 so I can be "set" by the time I hit 60-65
100% VOO means you have no international exposure. I would suggest diversifying into VXUS. Just so you know, VOO is up 15% over the last year, while VXUS is up 20%.
Thank you will most likely stick with VOO and maybe diversify into dividend stocks as I get older
It's top 4 holdings are Microsoft, Nvidia, Apple and Alphabet so it's not staying away from big tech, and yet it's way underperformed VTI or VOO over 1Y, 5Y, 15Y... +4% total over the last 5Y's bull market since COVID is *atrocious*. It has an expense ratio of 71bps. It says its benchmark is the Russell 1000 Growth index, but that is up 14% 1Y and this fund is down 5.7%... I can't find a single redeeming point in favor of this fund over MGK (Vanguard Mega Cap Growth), VOO (Vanguard SP500), VONG (Vanguard Russell 1000), or VTI (Vanguard Total Market) depending on how risky and tech-heavy vs diversified you want to go. To anyone reading this, if there's something I'm missing, let me know.
Stick with VOO, if u want to be a little more aggressive you can go with QQQ but in my experience while dividend ETFs sound good in theory once you actually look at the logistics of them I’m not sure they make a whole lot of sense for people our age
You own way too much. Just buy $VOO
That's where you get into some retention strategy. the more money you have, the less risk you really need to take. you could place that in VOO or some well picked mutual funds, be keen on your value investing and the trend will usually be upward. definitely ymmv
May i ask a question? Ive been reading as much as i can especially on this sub, but im still sorta lost…never invested before. I like carpentry, recently sold a small house that i had built out of pocket over 14 years. So i have some money now, but what to do with it? So … if you had 300 k to invest and abt zero knowledge… what would you put it in? What % maybe…like half into VTI, (excluding US), or VOO? other half index funds or …? ( im still reading what an ETA is. Its like a different language that ive never spoken before). Maybe individual stocks ? amazon, google, microsoft? (10-20k each?) Would you add some T bonds? Ugh…sorry to even ask. Hope you or another redditor has time for advice. Am lost.
Stick with VOO, you’re thinking about things right.
If you have $100k in VOO by 35 yrs old and never added another dollar, by 65 you could have $1.5mil. You'll likely be fine
Any reason VOO in particular? I run VFIAX, VIMAX, and have trickled into VTIAX
VOO being up while VFV being down should tell you all you need to know about the current US economy
24 and only have 16k in my VOO. Do I have to increase it more? Did I waste a year?
Not exactly. Hitting 100k is a big milestone, but compounding works over time. VOO will grow steadily, but you still need patience and consistent contributions to see it really take off.
> Whats VOO? It’s an ETF that consists of all the companies in the s&p500. If you’ve heard of SPY, that’s basically the same thing.
VOO could also tank in the next year and you will have $80k instead. So no, you are not set.
By all in VOO, do you mean calls? If so, SPX is better 🔥
Okay I give up, all in VOO like Warren buffet suggested. I give up lol
>Is it true once I hit 100k in VOO I will be pretty much set? Set for what? Life? Hell no. 100k is an arbitrary milestone. You'll start seeing annual returns on the order of 10k and that's on the order of contributions you would make to IRA/401k. So at that point the interest is doing "as much" lifting as you depositing more money to invest. I put "as much" in quotes because this is all fuzzy math. It depends on market performance in a year, how much you have annually to invest, and so on.
$100k is a big milestone, but it’s not a point of being set for life. It starts to feel different because normal market swings move your balance by a lot more, so it looks like things are accelerating. That said, it still comes down to time, staying invested, and adding money. VOO can be a solid core holding, just expect rough years along the way.
That’s fine. Just be sure to add VOO on auto weekly basis. Sell only when you have an urgent bill to pay for (like a house). Best of luck.
At 100k you really notice increased gains. For instance with 100k invested into VOO you saw in increase of 0.47% today. That may not sound like much but it equals $470 in 1 day. At this level you just start really noticing increased returns every day and the account value seems to higher much faster than before.
All personal finance is the same. Spend less than you earn, have emergency fund, have a plan to invest auto and weekly, sell only when there is an urgent expense to pay for. Open a Fidelity account. Buy whatever you can comfortably afford in VOO on auto weekly basis. Don’t care if it’s 25/week. Then just work to increase that weekly. That’s it. That’s all anyone needs to know. Compare your bills to that weekly. Remind yourself that weekly is your future. You’re still very young. Just get on it. Rome wasn’t built in a day.
Can you explain the benefits of having VOO and qqqm?
I just slam leaps on >1% red days and rotate profit VOO. It has made me look like a genius. Might be the top boys.
At that percentage my personal vote is to pay it off. Sure DCAing into a broad index like SPY/VOO could net you more in the long run, but the peace of mind of owning your home and not having to worry about a mortgage outweighs that. Plus you will have freed up funds every month from not having a mortgage to invest.
All you need to do is literally VOO and chill, never touch it and you’ll double your money every 5-7 years or so. It’s incredibly difficult to beat the S&P, why bother try?
Preciate ya boys! I’m not doing calls. I’m the definition of a noob. I was supposed to just DVA VOO for the next 20 years…which I AM doing by the way. But I went nuts and bought a ton of stocks and now I don’t know what to do. Thanks for any and all advice fellas
On track for $100k in VOO this year at 29 😬
100k isn’t some magic switch where life suddenly solves itself, but it does change the game psychologically and mathematically. The big difference is that gains stop feeling tiny. A normal market year can move your portfolio by more than most people manage to save in a year, and that’s when compounding finally becomes visible. That said, you’re not “set”. What really matters is how much you’re adding after 100k. If you stop contributing and just wait, it’s slower than people think. The people who feel it “take off” are usually still adding aggressively while letting compounding do its thing in the background. Also worth saying: VOO doing well recently makes this feel smoother than it always is. There will be long stretches where it feels boring or frustrating again. That doesn’t mean it stopped working. 100k is more like the point where patience starts paying rent, not retirement money yet. I write about this stuff from a very normal, long-term angle if anyone’s interested, link’s on my profile.