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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
Just check after a year and see if you are better than VOO. If not, just be VOO.
Thanks! Don't have to anymore - I'm already up. So really it's just a "take profit" for me here - where take profit means rebuy back and obtain more units of SPY / VOO / QQQ / etc. I'm up \~6.5% in units since I sold if I were to rebuy my ETFs tomorrow.
An index fund is a fund that mirrors an index. An index tracks a large swath of investments. Some of the largest indices are the s&p 500 and the Dow Jones industrial average. There are many indices and they can do things from track the top 30 prominent blue chip US stocks they can track the top 500 stocks they can track a particular sector like internet security or cybersecurity or petrochemicals or debt or any type of correlation. An index fun helps you as someone who isn't a full-time investor invest in either an entire sector or entire range of securities and potentially diversify yourself. Many people want to diversify and try to invest in the major stocks in the stock market so they invest in one of the s&p 500 index funds such as VOO or SWPPX or SPY. I tend to think of fund investing in two ways. Through mutual funds which are normally issued directly from a fund issuer, and ETFs also known as exchange traded funds. Mutual funds have a daily strike of the price at the end of the day called the nav where ETFs are traded on exchanges like stocks and price as often as stocks do. I personally think ETFs are better than mutual funds because I can get in and out of ETFs at any point in the day and know what I'm going to get for them. There's a lot of commentary you can add here on fees on mutual funds and when you pay them versus built-in fees on an ETF. Many of the original ETFs are exchanged traded versions of popular long-established mutual funds. You can buy mutual funds directly through the issuers such as vanguard or Fidelity. You can buy ETFs through any broker that allows you to buy and trade stock. You may even be able to use vanguard and Fidelity as your broker dealer. There Is a lot more nuance than what I can fit here and some of what I'm saying is my perspective and not necessarily the only way to think about index funds.
VOO is an ETF, it is also an Index Fund of The S&P500.
I'm not holding shit overnight in this yee yee ass market other than my long term mostly VOO port (which is naturally being demolished lately).
I prefer to dip my Italian bread in the VOO without the E
GameStop was removed from SP500 VOO back in 2016 and never made it in since then during the short squeeze. VOO requires 4 quarters or GAAP positive earnings so it's possible SpaceX doesn't get there for many years unless they manage to get VOO/IVV rules changed
I started out with SCHD ($14K) and JEPI ($6K), did a little research and realized VOO would be a great growth stock, NVDA and MU gives me tech exposure, LMT (possibly good with the current geopolitical situation), VXUS covers international and O for real estate. Basically I was looking to add structured diversity. The amounts are allocated based on when I have $$ available and what I feel is a good dip. I’m still learning…
I’m just trying to find a good starting entry point for VOO. You realize us regular folks are getting fucked here right?
The best time to get in was 10 years ago. Second best time is today. Those stocks are good but VOO has only ever gone up. $600 a share today will be $1000 a share in a few years.
Bought more VOO today
I’d avoid trying to guess what rebounds fastest, that’s usually where mistakes happen. I treat dips as a chance to stick to my target allocation. If you’re underweight equities, add broadly (VOO/VTI). If tech overweight, maybe diversify globally. Consistency > timing. The boring approach tends to win over full cycles.
I’ve been slowly buying VOO, it’s about 10% from its all time high. If it drops more I’ll buy more because in the long run it’ll recover
Perfect time to find your Roth. Buy VOO
No one warned you about being too tech heavy? I sold off my QQQM and VGT and got VXUS and AVDV. Both have have given positive returnss since I bought them in January. I'm 50% VOO and everything else international. VXUS is up ~5.9% YTD through March 10 vs. VOO/VTI essentially flat. Over the past year, VXUS returned ~32% vs. VTI's 22%. The structural reason: VXUS has 15.6% in tech vs. VTI's 34%. When value sectors — financials, industrials, materials — rotate back, VXUS has room to outperform. That rotation started in late 2024 and accelerated through 2025. AVDV is up 9.71% YTD vs. VXUS's 4.88%, with a Sharpe ratio of 3.18 vs. 1.95 for VXUS over the trailing 12 months. My small-cap value tilt is paying off big time.
Yeah, I bought a bunch of oil stocks and sold a good chunk of VOO as soon as the conflict started. Still have a lot of powder set aside, but I've also been fiendishly following the news around this before the conflict even started. Timing the market is already hard, basically impossible if your not being plugged into what is happening daily.
I bought two years ago, a year ago, a month ago, and probably some more again by the end of the week. It's a bit over 10% of my overall portfolio at this point and my confidence is high that they will continue to do well. If you can't trust your thesis in volatile times then you're prone to sell on lows and buy on highs and that's a recipe for disaster, and it's a sign that you don't have a strong enough reason to own it in the first place. False confidence is also a big risk, if you don't completely understand the business and the surrounding dynamics you're better off owning an ETF like SMH, VOO, or VT.
I searched 'VOO' on invest engine and nothing comes up. Anything else I can search to find this etf ti take a look at?
At least I get VOO dividends tomorrow....
This is why stuff like DFA funds can work better than Vanguard. Gamestop made it into VOO at it's height of the pump with shit revenue
Hey guys, heads up the market's broken. A very retarded man came in and took a steamy shit on it, just as you were thinking I'll finally just buy VOO and chill at the very top. And on top of that the cost of your commute just doubled
Finally began selling OXY shares and moving VOO. OXY was 21% of my portfolio before repositioning
I have no clue how any of this works, lol. I need a course on puts and calls. Until then I’ll just keep throwing money at SPY and VOO.
I have a pretty big position in SCHD also. Definitely a good choice overall. ETF wise I stick with VOO, SCHG, and SCHD personally.
Sorry boys I bought 0.25 shares of VOO
VOO...been dropping steadily and tech is going nowhere..it may dip low but the whole world is dependent on it.....
I'm buying VOO so technically, I'm not a silly silly person.
Need to take a break and park it in VOO. See y’all tomorrow.
Great. 🙄 The average PE for QQQM and VOO is going to climb way up when SpaceX, Anthropic, and OpenAI are all IPO.
My Pokemon collection has outpaced VOO by 1000x in the last year🤷♂️ lol
I like having the extra diversification but there's nothing wrong with VOO Both are great
Is it time to sell VOO because it’s made up of Microsoft in other companies at risk due to AI?
for weekend gaps like this you've got a few options. futures on TD or IBKR work but theyre closed sat/sun. markets.xyz lets you trade oil perps 24/7 so you could've caught that surge saturday. or just wait for the morning dip and keep DCAing VOO.
So... VOO and US index funds are all going down for the foreseeable future, right?
You should buy 90% VOO and he can gamble the other 10% If hes gambling with more than that and losing you will never retire
Not sure why you got downvoted because you're right. Buying both just reduces overall exposure to the small mid/small exposure in VTI. Unless people are downvoting you because they see it as don't buy VOO and VTI ever rather than 'don't buy them together.'
When do I start DCAing into VOO, crew?
Jokes aside many crypto bols really are in shambles because what they hold is inherently worthless while VOO bols hold a little part of 500 world-leading businesses - it's just different lol
Yea you're probably right. You want to see real exit liquidity, check out bogleheads. Dudes in there are advising people to sump sum into VOO right now.
I DCA VOO every day. It's easy and outperforms many of the "big brain" strategies my coworkers come up with (i.e., ask AI about...)
Spy, or VOO, you need something…you don’t have to think about
Someone here said they’re putting money in VOO tomorrow. When this place starts making sensible investments out of fear you know we’re truly fucked.
Boring. Just long term plays. Cash has been burning a hole in my pocket. MSFT, VOO, BRKB, NVDA, GOOGL and a few other international etf's
SCHX is my core holding. Like it better than VOO because it does hold some mid caps. I do 50-50 on SCHG and SOXQ instead of all SCHG. AVUV is a good small cap. I like VYMI over VXUS for international exposure
I was holding cash before the start and after a few days without a major drop, I bought into an S&P ETF (VOO). It's gone done everyday sibce I bought. 625 to 587, 7%+ loss thus far. It hurts knowing that could have been gains for when it rips back up, had I not just held a bit longer. Frustrating but such is trying to time the market.
$509 avg. i wish i never bought it :) literally shouldve just bought VOO :)
VOO/VT/VTI is doing alright compared to most things Gold also doing alright if you didn't buy during the crazy pump
"No but this time shit is actually fucked up" \- the market after i finally buy VOO and QQQ at the top
Because the ones smart enough to know they should just dollar cost average into VOO are spending their lives away from this subreddit instead of worrying about when to buy the dip
I don’t even understand why people frequent r/stock and r/investing for continuously buying the dip and VOO and chill.. are they looking for new ETF tickers or confirmation their strategy is supported by other people?
Can't believe this is so far down despite being the best answer to OP's question. Everyone else just offering lower correlation like energy or lower beta like utilites/berkshire/etc. Those might offer protection on the downside, protection for certain events, or lower the correlation to just VOO+Tech but they are still very correlated. Reality is majority of the equity market will be correlated to some extent and you can only mitigate so much in one asset unless you're negatively hedging which would create a drag (anti-momentum, buying puts, buying short etfs, running long-short). *That's why the best non-correlating hedges against stocks/etfs are* **NOT STOCKS** and **NOT ETFS**. Ray Dalio's put a lot of thought into defensive investing, runs a hedge fund, and is famous for his ["all weather" portfolio.](https://www.bridgewater.com/_document/the-all-weather-story?id=00000171-8623-d7de-affd-feaf4ee20000) It's important to understand that Dalio is billionaire who runs a hedge fund with rich clients. Their goal isn't to get rich, beat the S&P500, or make money (you don't need to get rich twice). Their goal is to preserve wealth, hedge risk, and have some insurance in case of a GFC style black swan (you know that Michael Burry? Yeah. He was running a hedge fund. That's why he and his clients were not only able to HEDGE the RISK of the GFC but got huge payouts when everyone else was losing their homes). What that out of the way, Dalio's all weather has a small allocation to stocks, a large allocation to long+medium bonds, and then gold+commodities. That's the true answer to OP's question. But to go further the rich/wealth also hedge with alternative investments like fine art, expensive watches/wines/spirits, personal/private "things", sports teams, and real estate.
Everyone wants to make more money, just because you have a sense of urgency doesn’t mean it’s going to work out with a more aggressive strategy since you will more likely end up losing a ton of it and get burned out on investing. Invest in SGOV and once the war calms down put 50% in VOO and 50% in VEA. If you want something you don’t have to manage just buy a vanguard target day fund which does the work for you. If you want something more aggressive buy a fund with a target year way out there.
Index funds basically just tracks the stock market. If you invest in VOO it’ll just be like buying the top 500 companies in the stock market and holding long term. But only when it goes down not when it goes up. Buy little by little.
Yeah they're taking advantage of rising energy stocks and so should everyone opposed to stubbornly holding onto VOO or VT
All of that complexity just to lose to VOO or VTI lmfao
No shame in it. As long as you learned your lesson. Anything on this sub should only be applied to someones "fun" account. Life savings go in HYSA, VOO-VTI, and a bond ETF.
I sold some of my stragglers for a loss, to offset some of my gains. And sold most of my consumer retail. Which I’ve been holding for 5+ years so it was still a pretty solid profit. But I didn’t like the short term outlook if there is excessive inflation from rising fuel costs. And then I put all of the proceeds of that into more tech stock (somewhat counterintuitive because it will be massively affected by rising fuel costs as well, but this was more of a long-term play) And then I put a bunch of Chevron stock right as a war happened, as well as UAE. As that ETF was on a tear before the war. I’m up about 12 or 13% on Chevron. I’ll probably be selling that pretty soon, and putting it into either VOO or QQQ.
If you cannot time the market, and time in the market is better than timing the market, then why are a bunch of you saying to not go all in and dca into over a few months? Either you don’t time the market and just buy SPY, VOO or QQQ; or you do and then what’s the point of buying now vs spreading over a few months guaranteed to either win or lose out of a crash/recovery. You’re just gambling with fancy acronyms at that point.
Historically BRK.B has outperformed VOO Over the last decade that has been reversed because of tech and AI booms. Aside from AAPL and some GOOG, BRK.B doesn't invest in tech. I doubt that'll change with the new ceo. Tech has decade-long boom and bust cycles. We're in the midst of a tech boom so VOO is outperforming right now. I'm 75% VOO, 25% BRK.B
I havent taken a hard look or run numbers (I wouldnt know how), but while BRK often moves contrary to VOO it's also way down vs VOO over almost any period you look at. If a calculation is being made that includes April of last year (around when WB officially stepped out), that would skew results significantly... it weirdly mirrors the spike in VOO at that same time.
You just traded time for money. You didn't want to see red, so you sold your time (holding the csp longer) to avoid paying for the loss now. People sell their time for money every day, that's fine. The question is whether you believe you are getting appropriate value for the most valuable resource you will ever have. Another perspective of the same point would be to consider "opportunity cost". With the same period of time that you are waiting for the CSP to expire profitably, how much more could you have earned if you invested the same money differently? The baseline comparison would be the S&P average lifetime return rate, aka if you're going to make less than 6% return annualized from this play, it'd be better to take the loss and move that money into VOO.
The best time was yesterday. Next best is today. I would lump sum half and dca the rest at $1000/month into VOO for the rest of the year. Technically it betrays the first part of the post but it smooths out the ride.
🎶If you're friends with VOO Well then, you're friends with me If you're down with V Well then, you're down with me Friends of V Friends of V We're friends of V Friends🎶
I’d just be buying VOO. I’d put 1/3 in now, another 1/3 in ~2 months and the last 1/3 when the Iran conflict has a clear end goal. P/E of the s&p is pretty low. When oil prices come down and the feds lower interest rates the market is going to pop. Don’t try to time it though.
it ain't no thang for us VOO-believers
VOO crowd on Reddit is at 48% bullish right now, SPY crowd is 36% bearish - same underlying, totally different sentiment depending on which ticker you track. The VOO faithful are still buying every dip regardless of price.
Yea, VOO, and VT. $1000/every week not all at once.
if this is truly loose money and your core stuff is already covered, this actually looks pretty reasonable, but i wouldn’t think of it as is now the right time so much as am i okay holding these for years even if they drop short term those names are solid but also pretty correlated mostly big tech + one bank, so you’re basically betting on the same general theme continuing, which is fine, just be aware of it personally i’d probably lean heavier on something like VOO for stability, then layer into individual names over time instead of going all in at once, just to avoid timing stress if you can stomach seeing that 18k swing around without panicking, you’re in a good spot to start
The logic works on a 1-year snapshot but breaks over any meaningful time horizon. Someone who bought VOO at the 2022 peak and was "down 20%" is now up 30%+ from that same entry. Inflation compounds quietly every single year, market drawdowns recover. The people who sat in CDs "waiting for a better entry" in 2022 are still earning 4% while VOO holders are up 50%+ from the bottom.
I'm approaching mid 20s with a long time horizon (30-40 years), trying to get more involved in the mkt, and I sure picked an interesting time to do so. Ever since the Iran fiasco kicked off i've been buying my way down on VOO like a dumb dumb. When there is a new low I scoop a little bit up, thinking that it can't go lower. But it does, and I keep repeating this cycle; the market is timing me. Planning on holding until I "retire." I know enough not to panic sell so that's a plus I suppose. I hear about DCA, but I think I'm doing it wrong lmfao. Not stressing, I got a lot of life ahead of me, I just want to learn from this experience to better navigate future bear markets to come. Still got a decent chunk of money to invest, should I continue, but slow down, dripping my money in as the mkt continues to go lower and lower? I presume this is better in the long run than just a poorly timed lump sum? Please bestow any investing wisdom/ life experience upon me, I strive to get better at this. Also Robinhood needs to remove the 2026 Iran update on this silly chart game, it's too sweaty rn. /serious
Shorts can get obliterated especially in a bear market. I'm trying to stay alive in a dark time and average down my VOO, not play the lottery.
Sure, throwing money at wildly overvalued stocks just because you are scared of losing 4% to inflation is a terrible strategy. In the short term (1 to 3 years), Volatility Risk absolutely dwarfs Purchasing Power risk. Losing 4% of your purchasing power to inflation sucks but losing 20% of your principal in VOO is worse. If you need your money back in the next few years investing it in the stock market to beat inflation is not the smartest choice. This is known But inflation becomes very real when you stretch the timeline to 10, 20, or 30 years. If you bought VOO at a market peak, you might be down 20% the next year but over a 20-year period the stock market has a 100% track record of recovering and making new highs. Inflation, on the other hand, never recovers. A 20% drop in VOO is temporary. A 20% drop in the purchasing power of the Dollar is permanent. Over a 30-year working career average inflation will cut the value of cash in half (or worse). Over that same 30 years an index fund like VOO will historicaly grow your money by 7% to 10% after adjusting for inflation.
when i decided to quit fucking around with bonds and playing with individual stocks, i put about 300k directly into VOO (or VTI and VOO, I forget), and the market immediately tanked. I was down for like 6 months. Didn't feel good, but they're right about it being a tiny blip. With DCA and time, I can't even see it on the chart now.
If I were only going to go VOO or cash, was cash a better position in 2000/2008/2022?
I've come to pretty much the same conclusion but I guess have been too naive to execute properly. I'm holding my stuff for now because I hate taking a loss but once it's back up I'm going all in on VTI/VOO and not looking back. I don't wanna lose all that hard work you know. Thanks for sharing that
Contributing since around 2008. Initially I did the minimum, just the 3% company match. Later I changed it to 7%. And the last few years I was maxing out the contribution (~21-23k). As they say, the first 100k is hard. The second is easy. Once you hit 1M, it grows on its own. Only thing I'd do differently if I could do it over, is not worry about stock market crashes, not put anything into bonds. I would recommend 100% into VOO and forget it. I am basically doing that now. I also had a lot of time spend studying patterns, writing trading algos, trading futures and options. I never had any concrete success, and had a few days with /ES where I would be down 50-70k in one or two days. It's too stressful, and I never enjoyed it.
bought 1 VOO at $630 sold it at $610 bought 2 VTIs with the same amount of money 2 > 1 I win, you lose. Your godlord Warren Buffet is down 7% while I'm up 100% (from 1 to 2 = 100%)
The honest answer is that the fastest way to grow wealth through investing and the most reliable way are almost never the same thing. The BTC example works perfectly in hindsight but timing a bear market entry and bull market exit consistently over multiple cycles is something almost nobody actually pulls off. Most people who try end up buying high and panic selling low. The ProShares Ultra Semiconductors ETF is a leveraged ETF it uses borrowed money to amplify returns. That 53% annual return also comes with devastating losses in down years. These products are designed for short term trading, not long term holding. Many investors have been wiped out holding leveraged ETFs through a downturn. The boring answer is usually the right one broad index funds like VOO or VTI have returned roughly 10-12% annually over decades, are tax efficient, require no timing, and let you sleep at night. The fastest way to grow wealth is actually pretty simple: high savings rate, consistent investing, long time horizon, and not doing anything stupid in a downturn. Unsexy but it works every time.
Buy 3k VOO at the start of each month over the next 6 months
Anytime you’re not buying at ATH is a good opportunity. That being said, I see VOO going down about 20-50% easily. Screencap this.
Half of all your holdings should always in an index fund like VOO, VTI, SPY, or QQQ.
I would invest half now and DCA the rest over the next few months. I would go VOO, VGT, IDVO, IAU with a break down of 40%, 30%, 20%, and 10%. Give you decent coverage of the markets. The single stocks you want to buy are already large portion of VOO and VGT
>Not doing vti or spy because that is very long term and will likely be down this year This type of logic is why most individual investors lose to the market index. If the market continues to dip, and dip and dip; and you keep accumulating along the way, your cost basis goes down and your profit margin goes up, on an asset that historically goes up. It's like saying, hey I'm gladly keep buying VOO at $630 because it's doing great! But oh no, I won't buy it at $580 because it's doing "bad". I said the same thing back in April 2025; same concept but with different numbers of course.
Keep buying, but be smart about what you’re buying. High risk startups that still lose money every quarter probably aren’t a great choice at the moment. Given that the Mag 7 have taken larger hits than the rest of the sp500, VOO or similar is probably a fairly safe bet long term.
Don’t buy individual company stock. It closer to gamble than investing. Always only buy ETFs as it gives better protections. Go VOO or VT.
As a beginner my advice: Allocate most to VOO or something similar. 80-90%. The rest allocate into individual stocks. You will learn more about investing holding individual stocks, but you should realize in the long term whatever you pick is unlikely to outperform VOO.
Dont buy single stocks but deff get some while they are down. Ide split between VOO and RSP, or just RSP.
Yes. I know people have said VOO which I agree with. Would also consider VGT tech has sold off heavily and valuations are low. Dollar cost average
I hold both with slightly more towards VOO.
VOO and QQQ have a considerable amount of overlap of 50%. If you are looking for a more growth/tech version of the S&P 500 vanguard has VOOG. https://www.etfrc.com/funds/overlap.php
This is a very volatile moment to enter the stock market. You should “dollar cost average”. Buy $1000/week of VOO (which is the S&P 500 index fund with lower fees). The market is down about 10% from the highs so that’s a good entry. It could go down another 10% or come back. Impossible to know. So just start buying a little bit at a time and in ten years you’ll be up. Good luck!