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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
Move it all into VOO, turn dividend reinvestment on, and forget about it until you’re 55. You’ll at ~$2 million at 55.
If you're capable of buying fractional shares, and many brokers allow this these days, share price of an ETF doesn't really matter unless you intend to trade options. Thats the neat part about buying a broad market index - if you throw $500 at VOO or SPY or IVV, which all track the same index, you're essentially buying the same portion of every underlying company. IMO go with VT while you learn - it's essentially buying the whole world in one fund. Hard to go wrong there.
This is the way. Build a strong baseline first in an ETF like VOO, SPY, SCHG. After you have that, then you can start to dabble in some individual stocks.
ETF if you want to buy or sell anytime of day or transfer to another brokerage. Mutual fund if you don't want to think about timing of buying or selling and are will stay with current brokerage for length of investment. VOO or FXIAX if you want the growth of top US businesses, VTI if you want growth as well as value of all US businesses. Invest in Biotech/Bioscience/Individual stocks after you are stable with your investments/finances.
$1000 in VOO is worth the same as $1000 VTI
you're comparing a month to a day. VOO's 0.71% is 30 days of movement. VTI's 0.62% happened today — could be -0.8% tomorrow. PLSE just dropped 14% in a single session. that's what daily volatility actually looks like when it goes the other way. VOO has averaged ~13% annually over the past decade. nobody talks about the daily number on a fund you're supposed to hold for 20 years.
I think you might be focusing a little too much on the price and the daily movement. VOO being $634 and VTI being $340 doesn’t mean one is “better.” The share price itself doesn’t tell you much. What really matters is what’s inside the ETF, the long-term performance, the expense ratio, and whether it fits your overall plan. VOO tracks the S&P 500. VTI tracks the entire U.S. market. VXUS gives you international exposure. They’re all solid, long-term index funds. A one day or one month move like +0.7% or −0.6% is just noise. That’s normal market fluctuation. The bigger question is not “Should I invest in VOO?” but “What’s my long-term strategy?” If you’re investing for the long term, broad low-cost index funds like VOO or VTI are often strong core holdings. Some people even combine VTI and VXUS for diversification instead of trying to pick winners based on recent price changes. Zoom out. Think 10 to 20 years, not today’s percentage. You’re already ahead of most people by researching before jumping in. Keep that mindset. Consistency and patience usually matter more than picking the “perfect” ticker.
the "sell everything and buy VOO" crowd is kind of missing something here. AMZN, GOOGL, AAPL, MSFT are literally the top holdings in VOO anyway, so you dont need to sell those and eat the capital gains to get index fund exposure, becuase you already have it. the one actual problem in this portfolio is taht Tesla is 50% of it. trim the Tesla down to something sane over a year or two and let the rest ride.
Go with VOO until you learn more
It's not an "ex-tech" index. NVDA is 7.83% of the S&P500 which has ~500 stocks. It's 2.34% of the Dow Jones which has 30. The share-price weighting of DJIA doesn't make sense, but it does result in it being *substantially* less tech-heavy than the S&P500. S&P500 is 25.28% Electronic Technology + 19.71% Technology Services. DOW is 12.47% Electronic Technology + 10.46% Technology Services. DOW has a lot more finance and other sectors of the economy. https://www.etf.com/VOO https://www.etf.com/DIA
If you don't care about investing, put it into a couple ETFs like VOO, SCHD, or VXUS. (There are plenty of others if you care to learn, but these are fine.) Then just let it sit and make money for you over the long term. If you are very wise you will start putting some money in there from every paycheck, up to 20% of your pay. You won't regret it.
Personally, I would sell the individual stocks and put it all in a few ETFs (VOO, VXUS, VUG). If you want to learn about stocks and read about them on a daily/weekly basis, then keep the stocks and pay close attention to any news that could mean bad for those stocks. They will require a lot more hands on work and is more risky. If you go the ETF route, hold those bad boys LONG term and you will see some good returns. Be careful to not try timing the market. It rarely works out well.
Tesla is run by a white supremecist nazi, who would possibly want to tie into that ship,. car sales are dropping, and his tale tales about upcoming technology - always next year, is getting hard to stomach. plenty of good options, or just VOO if you don't want to think much.
Throw it into VOO or VTI.
Probably worth the money to talk to a CPA Congrats on thinking smart about this! Look into the bogleheads 3 fund portfolio - i am 32 and just do VOO/VXUS (no/little bonds) great for most folks that don't spend a ton of time following the market
Yeah, I have an IRA with about $30k mostly in VOO and some in tech stocks, and I don’t sell when the market has its dips, I just keep buying and investing consistently. I’m not too worried about that part because I’m accustomed to it, but rentals I’m not an expert in property rentals which is why I’m a bit worried about it.
That was from 3 weeks ago when I sold ELTP until now, all while metals have been trading mostly sideways. Imagine having sold ELTP 6 months ago (it is now down 35% since then) and moving into, say, FCX (up 54%) or ANY other metals company. Hell most of my metal tickers are up over 200% on the 6months, 2 are up over 900%. It doesn’t have to be metals. What about space sector? ASTS, RKLB both are doing 70+% Again, the opportunity cost is just too high. Yes, money was made with ELTP if you got in early enough; but this is trading man. If you’re going to just sit park your money and pray do it in VOO or any other ETF (which have ALL dramatically outpaced ELTP) Your money is dying in ELTP and you are desperately trying to convince these folks it’s a gem. Beware folks. This isn’t a team sport.
>I’m torn because my interest rate is 2.75% on a 30 year loan and it feels hard to not take advantage of it. I could rent it for $2200-$2500 a month and I pay around $1450/month. Since I know what it takes to maintain rental home, 2.75% for 30 year is a perfect fit to make the home rental. This is a perfect choice (an easy choice for me). However, I am ready to take such challenge by my rental experience. You need to decide what is right for you. If you decide to go for rental: You must find good property manager and work with that person. **Property manager is very important to avoid lot of legal hassle.** But, hassles won't go away from you, esp from financial point of view. You need to have sufficient money to maintain the home. Let me compare the otherside: In stocks too, there is no gurantee you will have returns without headaches. You invested in VOO appx 100k, you may one day see, it goes down 20% or 30% and then it recovers. This 20% or 30% won't go down suddenly, but may take 45 days. Will it not make you sleepless? You should not panic and sell, hold tightly even at that time. Even though we say, yes, I can do, but our mind changes at that time. If you are young, less than 45 age, you can try rental home. If above 50 or 55, I would not suggest rental. Each has risk, it depends on what you want.
Move that $872.19 to your Roth IRA, buy VOO, and quit trading.
Just go VOO and VXUS. VOO is already tech heavy, and overlaps with both QQQ and SCHG (which have even more overlap with each other). Either way, bravo getting started young and auto-investing! You are maxing out your Roth IRA first, yeah?
There is FIRE. Retire early. But yes, its fine to do your due diligence and make “bets”. Plenty of stocks out there. Invest in etfs and have some small allocations to moonshot stocks. Not random biotechs, but companies with a future. If you want, theres also 2-3x leveraged etfs. 1.5-2x is ideal but this can help a lot. Instead of say, 100% in VT/VOO - you could do 50% on a 2x leveraged etf of it and 50% can be allocated to somewhere else(SCHD, moonshots, bonds etc). A lot of options. But like I said, research FIRE. Increase your savings rate and you dont have to wait 30-40 years.
This girl I’ve been talking to and have a first date with later this week is really interested and is texting me too much and I’m going to run out of things to say by the time we go on a date. I literally have no idea what I could possibly talk to her about when the actual dates happen. I know everything about her already and there’s still days to go. Help me 😩 Anywayyy, im so glad I’m 75% liquid, 25% VOO right now. Although silver might be the play short term…..
Your strategy is good. Your selection of positions may not be. VOO and SCHG overlap so that selection isn't adding you much value over just picking one and increasing your percentage allocation of capital to it. QQQM is significantly underperforming YTD so I would consider pausing investments in that in favor of other investments are doing much better. "The trend is your friend" and the friendly trend for QQQM is to short it or inverse leverage it. I think the NASDAQ 100 is a solid long-term investment, but not yet a good investment for 2026. I think VXUS and VOO are great positions to potentially hold for life.
Nothing wrong with Avantis as a whole. AVDV is one hell of a performer, and AVUV is the perfect companion to VOO with no overlap.
lol idk who downvoted me. They’re mad I guess? I had a small position in RNMBY right up until Trump got inaugurated. Most of my portfolio was in VOO which dropped like 10% around this time last year due to his shenanigans. Much like you I figured with him causing so much instability in the world European defense stocks would make a smart investment. I ended up selling my entire position in VOO and ported most of it into RNMBY. At that time it was 280 a share. At market close yesterday it was 410 a share. I’ve been scalping for the last 6 months or so. Buying shares when it dips into the mid 300s and selling some when it approaches 400 dollars and have been winning doing this.
Im thinking like 40% QQQ 10% SMH, and then 50% 5-10 individual growth stocks Would something like this be a good split? I do VOO VTI and VXUS in my roth and 401k from work accounts
Diversify through index funds va individual stocks. VOO+VXUS split will give you plenty of risk mitigation while delivering growth long term
Any good ETF. Vanguard has VEA for example. PE is 17, dividend yield is 2.9%, and highest allocation is 1.86% for ASML. And it’s across dozens of countries. Compare that to VOO which has a PE of 27.5, dividend yield of 1.1%, and highest allocation is 7.83% for Nvidia. And that’s one country.
VOO and let it ride for 40 more years.
If it were me I'd sell everything in individual stocks and then split it between $VTI (20%), $VOO (55%), and $VXUS(25%) and then have them turn on. "DRIP" for those funds. Forget about it... Come back in 20 years. $VTI and $VOO are nearly identical but you get some limited small and medium cap exposure. If you don't believe in US stability (this administration is devaluing the dollar and seems questionable on a lot of their economic choices on the world stage). You could flip the sizing of $VOO with $VXUS and go 55% into VXUS... or some other allocation. $VOO has been a consistent performer though.
Successful investing should be incredibly dull...so having a lot of it sitting in Tesla is not a great idea. Personally, at your age, I would move it into something incredibly boring like VOO, ignore it and live your life. Go get a low stress job. By the time you're 65, you will have $10.6 million, generating $1.6 million a year to Live on. Enjoy your life.
Sell the individuals and invest in VOO (SP500 ETF) and enjoy a 8% return YoY.
Tesla is a hell of a gamble. Glad it worked out but I’d dump all the Tesla shares and put everything into a low cost ETF like VOO and just forget about about the account and check in once a year a so
First off, don't feel guilty. Most 12-year-olds find the stock market dull! The best way to honor your grandmother’s gift is to protect it. Having 50% of your net worth in a single, volatile stock like Tesla is objectively risky. Since this was a joint account/inheritance, you should check if you received a 'step-up in basis,' which might allow you to sell those shares with little to no capital gains tax. Asmart move would be to gradually sell down the Tesla position and move the funds into a broad market index fund (like VTI or VOO). You don't need to be an expert or a researcher, you just need to transition from 'gambling on one company' to 'owning the whole market.' It turns a stressful portfolio into a peaceful one.
Forget everyone and listen. The value of money isnt in dollars, its in time. And you have years. Get out of individual stocks. Put 75000 in VOO and the rest in a money market to invest when the market drops. Then each year put the max contribution into a Roth ira until all the money has been converted to the Roth. If it was me, id go 50% target retirement 2065 fund and 50% VOO. Then ride it out and retire at 59 with a few million. Dont spend it. Don't get aggressive. Pretend like it doesnt exist until you retire.
Sorry for your loss. She must’ve been pretty damn cool if she put money in Tesla. It’s challenging for anyone to know what to do with 1. A lump sum of cash and 2. An overweight portfolio in one company. I think the best way is to think about what you would do normally with 120k while also being wary of taxes. I absolutely hate paying unnecessary taxes even if it means rebalancing into something safer. If 60k is in Tesla, what is the other 60k in? Is anything at a loss you could sell to tax harvest (and balance out with selling Tesla for gains)? My initial suggestion is to: 1. Continue investing yourself into a broad ETF like VT, VTI / VXUS, VOO etc. To honor her put some money aside each month and automate invest it into a broad ETF and never sell. You’ll look back in 5 years and see it as the best decision. 2. Sell a portion of Tesla but this depends on cost basis. If she got in super early and you’re paying gains in the thousands, I’m not really sure I’d do that yet. 3. For the other 60k hopefully it’s diversified, then you’re not in the worst shape or overallocation. I def think keeping like $10k in Tesla is a nice gesture especially if it really runs even more, that would be dope.
VOO and chill can barely be called investing advice.
I get what you mean. But, as a counterpoint, what is the point of the sub if all it really needs to be is a post-it note saying buy VOO? r/investing should have some discussion of what people think will beat VOO long term, but not stray into wsb territory?
Right now, Tesla is a little over valued but long term, they’re winner! Seemed like she knew what she was doing. Why don’t you post a screenshot of the holdings? Careful with taking advice online though… lol I know it’s a little contradictory. Depending on stocks, I wouldn’t sell, then you’d have to pay taxes on that. On your end, you should open a Roth IRA and contribute the max to that every year. You’ll have about two millions dollars in 25 years holding the portfolio as is and investing $500 a month into an index like VOO in your Roth.
Buffet literally says noobs like you VOO and chill. VOO and chill is like learning the basics. Basic financial hygiene. Like brushing teeth. Research, trading, that is advanced. People talking about advanced things, being a model or winning beauty contests, when they don’t even have basic hygiene down.
VOO and reinvest the divs and put a couple hundred mth in till retirement then sell half put it init Spyd for a decent div and growth. Good luck to you
Sell Tesla and put in an S&P ETF like SPY or VOO. Could also go with a dividend etf like SCHD. Whatever ETF you go for, make sure you turn on DRIP. Its a Dividend ReInvestment Program. Helps your money compound faster. You will have capital gains taxes to pay, but its worth doing imo. You should also open a ROTH IRA. You can contribute $7k towards 2025 until 4/15/26, and you can also contribute for 2026 as well. So maybe sell $15k worth, move it to a ROTH IRA, and buy the ETFs there. Roth IRA let's your money grow tax free, but the downside is that you can really use the money until you are much older. However, being 21, you can slowly move these funds into a Roth IRA, and hit Coast FIRE by the time your 25-30.
Put 2/3 of your money in QQQ and VOO and 1/3 in bonds, precious metals, international monetary funds and bitcoin.
Yes, but over the last 5 years VOO is up 76.82%, while VXUS is only up 29.82%. So it still has a long way to go to make up for many years of under performance.
VOO and chill. Enjoy your early retirement in your mid-40s with little to no effort.
Naw. Bogle wants international and bonds. I think most people just need VOO with DCA and not panic sell. If they can nail that, that is good enough. People can do the fun stuff on the side. But if the majority is just true VOO and chill, that is normally good enough. Op can do his paid forums. He can do his trading. He should just do the basic investing also. Ideally with the majority. But most of all: expect investing advice in an investing sub.
Put it in VOO and chill till you retire.
As people sometimes say: VOO and chill!
Keep it all invested and let it grow. The when you have a wife and kids, and you’re fairly certain where you want to build a family, use the some of funds as a down payment. Now what to hold? Personally, I would just sell off the holdings into SPY/VOO/SCHX (ie some broad based index fund). That may create a taxable event. Do some research
Divest the Tesla stock to a much smaller position like 10% of your portfolio max. Do this over a period of time, like 6 months to a year. Put that money back into boring index funds like VOO or VTI. Sit back, don’t touch it, pretend you don’t have it and you’ll be a multimillionaire when you retire. The older version of you will thank the younger version.
VXF or VIOO to offset 90% VOO? I’m wanting a custom tilt 90/10. Thank you
VOO. Leave it alone and add $100 a month for life
Buy VOO auto and weekly. Work to increase the weekly. Only sell when there is an urgent expense to pay for. That’s all the research anyone needs. If you find you sell for reasons other than having something urgent to pay for. Or if you realize you haven’t increased your weekly investment in a while. Find and hire a trustworthy pro. If they want to sell you insurance as an investment. If they don’t try to convince you to add automatically. If they try to convince you their investment office has inside knowledge, you are not dealing with an honest advisor. Find another. Best of luck.
Honestly right now I'd do like 30% bonds or something stable (IGOV), 40% VOO, 30% VXUS, and check it quarterly to rebalance the percentages. If your VXUS goes up a lot, it may become 50% of your portfolio, take out that 10% and put it in the other two to bring them back to this parity. Leave that $120k and do this for the next thirty years and you'll be rich.
Put 60% into VOO (vanguard S&P 500), 20% into real gold and silver (not paper ETFs) and have your brokerage store it for you, and 20% into bonds.
First off, sorry for your loss. Not an accountant or advisor, but if you don’t want to mess with it close the positions and put 75% in VOO and 25% in VTI. Don’t skip class, stay out of trouble and revisit this every couple years. Add to it every opportunity you can. Retire young. Congrats, you had an awesome grandmother.
I'd suggest you move all the holdings to either SPY or VOO. Effectively they are the same thing - they are ETF's that both track the SP500 index. VOO has become more popular in recent years due to lower expense ratio (the amount the fund charges you to maintain it - it's a neglible amount). So what is the SP500? It is 500 of the best publicly traded companies in the US, with track record of growth and profits. Very rarely do you find companies here that collapse in short order - and when they do the other 499 companies will keep you afloat and likely outweigh any losses in one (or a few). Another benefit of SP500 is it rotates "losers" out and "winners" in. Individual company prospects change over time, and if a company is declining, it will be replaced by another that's on the rise. You don't have to try and pick which companies will be the top ones going forward, the index does the work for you. SP500 index has existed for almost 70 years now. Over that time period, it has an annual average return of over 10% with dividends reinvested. If you compound 10% over a period of 7 years, it roughly doubles your money. So at age 22 you could expect a path of $240k/480k/960k/1.920m at ages 29, 36, 43, 50. Now the joint account was probably not the best option from a tax perspective. Had you inherited the account on passing, you'd get what's called a step up cost basis. That means you could sell every position, and have zero tax liablity. You'll need to consult an attorney and or financial consultant in your state as the laws may vary, but most likely 50% will not have step up cost basis and 50% would on your grandmother's passing. Why that matters is if you need to sell every position now, to rebalance to a less risk adverse, you could be on the hook for substantial taxes - it really depends on how large the gap is in current share price and share price acquired (or capital gains) - the larger the gap, the more taxes owed. I think it's a good idea to rebalance despite the tax consequences. And you can do it strategically over time by limiting the captial gains to a certain tax bracket and repeating the process each year until done.
I own only VOO and BRK . I don’t need anything else
You can just buy SPY or VOO. They are index funds for the S&P. You might want to buy a % of bonds just to keep the account liquid. SGOV is a short term government bonds ETF that pays about 4% interest. I've been buying that when I have extra cash. The price is very stable. You can set these up to reinvest dividends. Then you'll be set up for now and can see if you develop an interest or not. Tesla is very over valued. The price is always based on some future value and frankly Elon is a bit loopy these days. You won't owe tax if it's an inheritance so now is a good time to sell.
My advice would be not to spend any of it. You are very young and even without adding any more money to it, it could turn into a substantial fortune for you near your retirement years. In fact, you could even retire much earlier than the standard retirement age if you invest it correctly. If I were you, I'd put most or all of it into an index fund that tracks the S&P 500. This will help you diversify without having to pick your own stocks. Depending upon witch company your funds are held with you may have some different options. Fidelity offers their FXAIX, Schwab offers their SWTSX, JP Morgan offers their JPUS, etc. Without getting into too much detail, these funds are very similar in the companies they hold, are diversified, US focused, and have low costs or expense ratios and are perfect for parking your money into for decades of low risk growth with little or no involvement. You can also choose a Vanguard fund such as VOO or VTI which should be available through most investment companies which offer similar holdings and expense ratios. Good luck, youngster.
This is the strategy I used to slowly lose -20% when just buying VOO would have netted me 17% in the same time frame. You need an aggressive market move and quickly otherwise Theta ruins the value by end of contract
Dividends are not free money. It’s essentially a forced sale of stock. You’re typically still better off with the higher growth of a well-diversified ETF like VT, VOO, or VTI.
Just think how much more you could've made if you did $VOO crew and chill. 🤔 Never too late to start, wouldn't be very degen of you though. Degen til the end.
All good. If you’re new, then the simplest (and actually the best) is to invest in an index fund called VOO or FXAIX
That's why I was up. Half my $ is in foreign slanted funds of various types. I don't do "VOO and Chill".
You can't retire on 1 million and yeah you fucked up. I think qqq and VOO is your best friend. You should have a majority going to that and 5-10 percent going to your "always right predictions"
No, there are passive income investment strategies that dish out the payouts for you. "Letting it grow" means it's not passive income, but instead capital accumulation. A dividends portfolio, bonds portfolio, SGOV, CD ladder, Yieldmax Income ETFs etc are all passive income. Just that the total returns are typically worse than a generic index fund like VOO. So if you're not in a stage of life where you need those payouts to live on, don't go for "passive income".
Passive income is for later in life, when you want your capital to work for you to throw off cash monthly to live off of (at best 5-6% a year), any money you receive in cash will then be taxed by IRS so 3-4% a year left over. When young, you should try to grow your capital tax free, so I'd put it all in VOO/VGT 50/50 inside of a tax sheltered account like a 401K or if your job doesn't offer on ethen put it inside of a ROTH IRA account at any bank or brokerage, then buy VOO = sp500 and VGT or QQQM which are tech and growth centered ETFs, This way that 4500k (awesome job at 18!), will grow 15-18% a year on average and you leave it there until you need the money, hopefully at 65+ you are doing great , congrats
VOO is 1.1% YTD, not off to a good start for the VOO and chill crowd.
Legit VOO and chill until you are well above $100k.
No need for that. He’s been in office for a year. 2025 full year results for major indexes: VOO (US, 17.8%), VGK (Europe, 35.8%), VWO (World, 25.6%)
I’ve always been on team VOO (okay technically FXAIX but you get the idea)
Stop trying to trade, just invest int VOO. Join nursing school g
Bro. You fucking suck at this. Just dump it into VOO and call it a day.
Retards like you make me feel so proud making my 7% a year just investing in QQQM and VOO. I’ll be able to retire at 40 with the most simple investing “strategy” I.e, don’t be a retard.
And potential compounded gains if it was originally just put in VOO or VT
If you'd bought VOO 6 years ago and sat on it you'd have $400k today.
Your post history says you've been trading for nearly 7 years. If you'd taken that $140k and bought VOO in 2019 - actual shares, not options - you'd have $370k today. If you continued holding, you'd have roughly $1mil about a decade or so from now. Early retirement was easily possible if you'd done the smart thing.
Either approach is fine. VOO VUG, the mix of VTI VXUS. Even a little mag 7 one time buy and hold is ok. No real wrong answers. Just stay away dividends, penny stocks, bonds. And teach the kid to auto weekly VOO once he starts earning and to not panic sell. People focus too much on the “recipe”, when they should be focused on the behavior. I’m not mad when someone goes international exposure for diversification. I just worry they don’t do more auto because of over complication. There is nothing more powerful than having a simple symbol, VOO, and just working hard to increase the weekly. 35, cool see if we can do 40, 50, etc. this is how progress is made. Anything that helps you spend less and invest more = your friend. Anything that adds friction to increasing that auto = your enemy. Overthinking and worrying about the magic secret recipe = common friction.
just VOO n Chill next time lol
Put it all in VOO. Every paycheck add what you can and try to increase if you are comfortable, but don't go crazy to where you have to decrease next time so you are always maintaining or increasing. Then check yourself in with a gambling addiction support group.
1. Thank you, team black all the way lol. And watch Knight of the seven kingdoms if you haven't yet. 2. First: VOO and BTC are *not* available within 24 hours, it takes 1-3 days for ACH. But the real issue is when VOO drops 30-50% or BTC 50-90%. That's the risk of relying on market vehicles for emergencies. 3. You're right, it's not irresponsible to inquire. But it is irresponsible for your Plan A to be: "develop zero financial stability or money saving skills; rely on my *retired* parents if I lose my job". Falling back on parents should be like Plan C. * Don't get me wrong, it's great your parents would be there to help. It's great they're rich-ish enough to give you a good foundation: upbringing, education, starting money, etc. Don't squander that privilege by remaining so reliant on your parents as Plan A. * Lastly: I doubt you know for a fact that they have enough money (and have budgeted thusly, 10 years into their retirement) to take you in long term. People were out of work for *years* in 2008. Another recession, minor or major, *will* happen again, and you'll see 6+ bear markets in your lifetime. 4. By continuing to have one foot in the nest, IMO the harm to your emotional maturity/intelligence (and honestly your financial intelligence) will be greater than any gain you can achieve from an aggressive portfolio. Your 20s are the time to learn how to budget, how to not make stupid financial choices, or frankly how to *make* stupid choices and *learn* from them (this week there was a disaster of a thread on r/personalfinance where a guy who bought a new Mustang on $20/hr). 5. It's just a joke saying. You brushed past the EF and parental reliance (the whole point!) the same way this phrase ignores Abe getting shot.
Just bought some more VOO cause why not
Can we get back to ripping now? VOO ATH EOD
Now what would you suggest for my son's UTMA? Right now I only have $200ish (35/week to this) and allocated to VTI and VXUS. Add VOO too or swap?
Seriously, this sub is just a bunch of gambling. Had you simply bought VOO or similar over the last few years you’d be sitting on 200k+ right now.
1. sick name 2. VOO and some BTC could be cash in my bank account with in 24 hours, (I have other investments they just either arent as liquid or would incur penalties) 3. I dont think its irresponsible to inquire about and they are both retired and all their money is in CDs and bonds dont even own a house anymore 4. If I can be an afford to be as high risk high reward as I can ever be again in my life why not do it? 5. Im not following the Mrs Lincoln thing tbh
Accessing your money quickly isn’t the issue - it’s needing to sell that VOO when it’s down 30%. The entire purpose of an emergency fund is to avoid being forced to sell your other investments at a loss during a financial emergency.
Crazy that after years of evidence that gambling doesn't pay off long term you're still asking for advice on what gamble to make next. What you should do is get some help. Never trade an option again. I don't understand how you can keep justifying this to yourself. You are never going to "win" this back. You're obviously hard working from what I can tell from your door dash posts and you are doing yourself an extreme disservice to by gambling away money like this. There is literally nothing wrong with buying VOO and maybe some speculative fun stocks. If you need to see it as "outsmarting everyone else" you literally would be outsmarting half this sub.
Just money in a brokerage account in VOO then some in bitcoin (yes volatile) but I can access it all quickly
Nooo. Not in Roth. Real, growth oriented investing is meant for Roth. VOO QQQM VUG, even mag 7 that you hold personal convictions in. SGOV is what you use instead of HYSA or CD’s. For emergency funds or large known expenses (think dental work or roof repair or large known vacation). You spend from there.
Stop. Take a long break. In the mean time, start simply buying and holding SPY and VOO for a base. Never sell them until you need to.