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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
Finally entering VOO today after waiting for the last month. Have a feeling a rebound is getting close. Not fa.
Yeah but the drop rate on those during the drop years is way harder am I wrong don’t you have to pray for a bull years? Also VOO hold better during recession and has slightly beaten VTI most years because although you get more small caps the large caps outperforms those smaller ones
VFV holds VOO. It’s literally the same position. The only place it might make a difference is in an RRSP because you would not have withholding tax on VOO distributions but even then that’s pretty minor and probably irrelevant for you.
Unironically, either going to gamble till I hit it big or give up and VOO and Chill in a few years. We'll see.
if you put this into VOO, you could have been collecting essentially 4-5k off that 80k every year, near free.... why would you do this...
That’s great. Just buy more auto and weekly. Only sell when you have something urgent to pay for. You sound like you don’t realize the reason you don’t have more money. Stop losses isn’t the reason. You didn’t have a plan, you didn’t stick to it. That’s why you lost. You bought stuff you have to keep an eye on, probably stuff you should have never bought. That’s why VOO and chill is so good. But to answer your question: who knows if it is good for you. Was that 100k a significant part of your income invested? Could you have automated more? Only you know if you’re doing good for your circumstances. If you make 60k a year, that’s awesome. If you make 300k a year, you need better help. No way to know from just a number. I think it’s great though, best of luck!!
Should be VOO/QQQ you invest in there, not SPY. VOO is better to invest in and it’s literally the same thing. More money in the long run. And how long were you in those for? If it was more recent, yeah it’s down a bit but it always bounces back and what it does in the short term shouldn’t matter. You have to think bigger here, long term, decades down the road. Not days, weeks or months.
Bro my bitcoin dropped by $35k in a week. Still a millionaireeeeeeeee. VOO and chill for 20 years.
Already included in VOO/VTI/VT, you're actually less diversified if you buy it alongside broad market indexes.
It’s THE investment. Especially for people starting out. VOO has very low expense ratio and great liquidity
I know people here don’t generally agree with leverage and be warned, IT IS NOT FOR MOST INVESTORS. To responsibly use a tool like TQQQ, it is best to have a strategy. For example, a 200 SMA based on QQQ trading strategy will backtest to around 20% CAGR after tax (you can use testfol.io to backtest this easily). But that requires returns to continue (which while likely, is never guarantee), the emotional regulation to stick to the strategy, and good planning to handle the tax side of it. That’s why the default answer is VOO and chill. Because it is lower risk, lower maintenance, and less emotionally taxing.
I have a 30+ year portfolio but I'm growing a little hesitant with the tech portion of my Roth IRA. My taxable cash account is all 70% VT and then 30% large-cap tech stocks and mega caps. My 401k is 50% VT and 50% Tech FTEC. However, my Roth IRA is all tech, FTEC and QQQ. What can I do over a 30-year horizon to add something with a similar growth trajectory as tech that isn't tech? Everything is tech, VOO is already almost half tech, and I'm 100% tech. What etf do I add that has a similar growth trajectory that isn't tech for a high-risk, high growth, long-term portfolio?
I certainly wouldn't have VGT or FTEC as my only equity position. Yeah it has done really well over the last 10 years and I think tech will still do really pretty well over the next 10 years, but it should really be maybe at most 50% of your equity position and the other half could be something more generalized like VOO or VTI.
Throwing 20k on VOO tomorrow, sorry if we dip!
Realize that you’re probably not as expert a trader as you think, and were just riding the temporal wave of big tech booming higher, as well as really manic vibes in the market overall — so you put more into VTI/VOO and chill, and allocate a smaller piece of the pie for gambling. Build up a decade of trading in this manner, then look at your fun gambling account’s performance and compare it to your *actual* investment account, and then you can figure out if you actually know what you’re doing or are just throwing money into the wind.
For some reason I cannot stand automation on anything i don’t even use auto pay I feel like something isn’t going to go right if I don’t do it myself and idk if I’m weird or not but I enjoy doing everything manually. And my main holdings in my Roth are VOO and QQQ. And yes this year I took a well needed trip and was stressing about spending the money on it but super glad I did and I have enough Amex points to get a free flight to Japan so I plan on visiting there sometime in the future.
Do people not realize that you can diversify instead of staking in on one thing? Looking at their graph we can see they’re not just bearish on VOO but doing shorts. Evidentially someone who wants the low stakes and high gains of a CD would do so and if wanting some diversity in their risk would have some such investments.
I mean just different risk tolerances. I too personally like a nice stake in SPMO. But nonetheless have quite a bit in VOO.
Selling cash secured calls on VTI, VOO or SPY, only to find that the value keeps going up (so we can only roll indefinitely or eventually get assigned)…
Just SGOV the risk averse amount. Add VOO or QQQM on an auto weekly basis. Don’t sell anything. Sell only when you have something urgent to pay for. Find a trustworthy pro to talk to. Best of luck.
With all your previous losses you would be up more buying VOO. And you wouldn’t have wasted time trying to beat the market. L
Ya dude. You are gambling and not investing. The bogleheads advice of VOO and chill is honestly the best for you right because you are just chasing dopamine hits. Some people’s brains get wired like this permanently and it’s sad to see gambling addicts. Look into bogleheads. Best of luck to you.
I’d go VOO, FTEC, and SCHD/DGRO
I 100% agree with you, and also want to note something that bothers me with some of the general statements about "being in the market" that people seem to say. Not saying this is you *at all*, but common discussion that I want to write down somewhere. So many people point the the S&P and view that as the *the* rate to be reaching for. You, however, seem to imply some sort of allocation model -- so, stocks, bonds, metals, reits maybe. I think it is GREAT to do that. I 100% advocate for a responsible allocation model for your age and risk tolerance. THAT rate of return over the long term might be different than just S&P or QQQ or whatever thing is being tracked. An age appropriate allocation model is safer and more diversified and more built to withstand a downturn, but it is going to return less in bull eras. And if someone is 55, I don't think they should be 100% in on SPY, VOO or whatever *supposed* diversified stock fund that is in favor (SPY isn't really diversified). In a "lost decade", a responsible allocation model will give a person the armor to be shielded from *some* of the chaos. In good times, however, you likely have to shave some percentages off of the expected return numbers the investment community somewhat glibly tosses around.
>Currency risk has been my rationale to avoid overseas investments but that's just an excuse Actually you have more currency risk without international diversification because basically you're allowing your portfolio to fluctuate entirely by the whims of USD valuation relative to others >How have you done? Very well, but that's because I've been VOO/QQQ the past 5 years. This year I did a lot of my own regression analysis and concluded that not only was int'l diversification long overdue for me, but the projections indicate a severe overweighting So I'm very happy to be poised for when the market tude shifts back to developed/emerging markets. My pity goes out to all the fresh retirees in 2025 who are 100% in the US market. They will most likely have a rough time
SPMO is better imo. You take out all the companies that drag VOO down and focus on the top 100 companies that have had the most momentum over the last 6 months.
As stated already, depends on your strategy and risk tolerance. The strategy behind VOO and chill is cool if you want to just not think about it. I trade individual stocks and that comes with a plethora of research. I go into CEO's, how much they make compared to their employees, what they define revenue to be, and where they will be in this quickly changing geo-political climate. The House and Senate is who I watch, because people dont realize they tell you what they are doing before they do it. Ive waited with cash on reserve for months before my buy opportunity is good for me. I watch stocks for a good while before I commit capital towards it. Because I care more about the fundamentals of that company and what they do, stay away from media outlets who report fear more then fact.
Mainly 2: 1. The people waiting with more than 10% of cash on the side. They are never fully invested and miss opportunities for years. 2. The VOO and chill people. They are just invested in the S&P500 index. They are missing opportunities to be invested in growth index like Russell 1000 growth. Over 10 years, it’s like a +100% difference in returns with VUG.
You’re doing great! Make sure you’re automated. Buy VOO or QQQM auto weekly. Set your 401k to lowest cost sp500 fund (stay from target date so young). Spend less, invest more. Do that while you can. One day you will higher bills. Sell only when you have something urgent to pay for. You have too much emergency fund IMO. 1 year? As 21 year old? Too conservative. Now if you will use some of that emergency to travel and have some fun and be young, sweet, I’m down with that. But you’re doing awesome! Keep it up!
VT, VOO, QQQ these are my top three Here is my quick guide how to navigate markets backed by facts and stats NOT feelings. If you are in US Open Roth IRA ASAP and try to max out (7K/Year). Roth IRA you are NOT taxed on capital gains! If not in US figure out if you have any tax advantage accounts and better than taxable brokerage account. Pick a portfolio according to risk tolerance Invest in ETF like VT (global market) or VOO (US market). As long as world economy keeps growing and fiat currencies keep loosing purchasing power (inflation) VT will go up forever. If you can handle risk add some QQQ for more tech exposure. Tech has had largest gains over last 10y and doesn’t look like that is changing. US is building out entire tech infrastructure for the west. Low risk: 100% VT (global market) Med risk: 80/20 VT/QQQ (global market & tech) High risk: 50/50 VT/QQQ (global market & tech) Pick whatever fits your risk. Low risk portfolio can drop historically 40% and high risk 60%. Statistically they always have recovered. Open broker account fidelity (or IBRK) good in US be sure to pick Roth IRA when opening. Search for ticker VT in broker app. Select number of shares and market order. Confirm order and you own ETF. Buy always and plan to hold min 10Y. Statistically trying to time market never works. Never panic sell unless 10Y hold mark is reached. Drawdowns are normal and part of investing. Side note: Statistics show short term trading will always loose you money. 95% of short term traders loose. >93% of hedge funds (short term trading experts) don’t beat VT over 10y. Investing isn’t hard people just like to make it difficult.
These are the best three ETFs VT, VOO, QQQ in my opinion. Here is my quick guide how to navigate markets backed by facts and stats NOT feelings. If you are in US Open Roth IRA ASAP and try to max out (7K/Year). Roth IRA you are NOT taxed on capital gains! If not in US figure out if you have any tax advantage accounts and better than taxable brokerage account. Pick a portfolio according to risk tolerance Invest in ETF like VT (global market) or VOO (US market). As long as world economy keeps growing and fiat currencies keep loosing purchasing power (inflation) VT will go up forever. If you can handle risk VOO has more tech exposure. Tech has had largest gains over last 10y and doesn’t look like that is changing. US is building out entire tech infrastructure for the west. Low risk: 100% VT (global market) Med risk: 50/50 VT/VOO (global market & tech) High risk: 100% VOO (global market & tech) Pick whatever fits your risk. These portfolio can drop historically 40% to 50%. Statistically they always have recovered. Open broker account fidelity (or IBRK) good in US be sure to pick Roth IRA when opening. Search for ticker VT in broker app. Select number of shares and market order. Confirm order and you own ETF. Buy always and plan to hold min 10Y. Statistically trying to time market never works. Never panic sell unless 10Y hold mark is reached. Drawdowns are normal and part of investing. Side note: Statistics show short term trading will always loose you money. 95% of short term traders loose. >93% of hedge funds (short term trading experts) don’t beat VT over 10y. Investing isn’t hard people just like to make it difficult.
Even if I was in VOO from the moment I started investing I wouldn’t be at 240%. So mathematically it’s a better idea to gamble. 🧠
Hey there - hoping to get some insight from you all. I recently sold $590k in cryptocurrency and I'll be looking at about $165k in taxes that will be due by tax day in 2026. That's a ways off and I'm hoping to park it somewhere that I can get some yield. From what I can tell I could do a HYSA, or perhaps put it in something like VOO, the latter of which will not be risk free. What is my best option here, given that I am tolerant of some risk (see crypto). Thanks for your insight!
I'm invested in large passive index funds. I would sell, for example, VOO and buy SPY or FXAIX within 1-2 days, as soon as funds are available. I would sell all my lots that have losses, and buy SPY/FXAIX with that many, until it has been > 30 days, then switch back to VOO. No day trading, I want to be invested in the same (or similar stock) long term, and just harvest losses, if there is a point, as I don't have any gains, and shouldn't get any in the near future. But I don't have any gains now, and I doubt I will have some gains for quite some time, as I want to hold long term. This is why I wonder if tax loss harvesting would actually be useful.
I'm invested in large index funds. I would sell, for example, VOO and buy SPY or FXAIX within 1-2 days, as soon as funds are available. I would sell all my lots that have losses, and buy SPY/FXAIX with that many, until it has been > 30 days, then switch back to VOO. No day trading, I want to be invested in the same (or similar stock) long term, and just harvest losses, if there is a point, as I don't have any gains, and shouldn't get any in the near future.
Why do you like VTI over VOO
I'd use the FWRA but wouldn't use CNDX. I would not do the VOO + QQQM as others have suggested. First, likely taxes would be unfavorable. Then, that's taking on uncompensated risk (single country). It'd mean having no local exposure and could mean exposing the entire portfolio to currency risk with a single country (as opposed to only a part). Can you explain, using only the inclusion criteria (not past returns), how Nasdaq 100 makes sense to hold?
Not buying index funds consistently. People are chasing individual stocks, crypto, and whatever's trending instead of boring SPY/VOO. In 20 years the "this time it's different" crowd will realize it wasn't.
Not VOOing and chilling. Put everything in VOO and just don't look at the market. Auto invest. Check when it's time to retire.
>q literally follows 4,000 companies including those companies that people aren’t paying attention to. QQQM is 100 or so of the largest caps (which tend to have more eyes on them than smaller caps), far from 4,000. It also only allows stocks that list on the Nasdaq exchange: tech company listed on the NYSE? Too bad, QQQM isn't allowed to hold it. >I’m not in the business of taking high risk in hopes of the next big thing I’m looking for stability and longevity VOO and QQQM are not exactly the most stable things. Both can and have seen massive drops taking years to recover. Also, wanting stability is not what you said above: >having qqqm puts me into a better place to have higher growth potential . >and these specific ones have proven again and again that they have that Being heavy on one sector does not exactly make you "stable." If that sector falls, you get hit HARD. Extreme example, but real and relevant: in the dotcom bubble, QQQ (internally identical to QQQM) saw a drop of over 80%. It took over a decade to reach the previous highs. S&P 500 dropped, recovered, dropped again, and recovered again during that time.
Alternatively, I am legitimately up 400k+ using VTSAX which is basically VOO. Port size matters, and your willingness to add long term matters. Even if you can occasionally win gambling/trading scale is what's hard about gambling/trading. It took me around 10-15 years to get to this point but the ship is sailing now.
I know that not all of it is in tech but it has more reach than VOO considering that v only tracks the top 500 and q literally follows 4,000 companies including those companies that people aren’t paying attention to. As for the ones who don’t choose that’s non of my concern honestly I’m not in the business of taking high risk in hopes of the next big thing I’m looking for stability and longevity and these specific ones have proven again and again that they have that and so that’s why I chose them like I said I’m only 26 the market can die three times over and I still have the ability to wait it out
>Yeah but having qqqm puts me into a better place to have higher growth potential Valuations could easily suggest lower expected future returns. Long term, they're the best tool we have. >QQQM is following nasdaq qqqm give me more variety tech wise Over 85% of QQQM's holdings are inside VOO. Not all of QQQM is tech (unless Pepsi seriously changed what they do). >and is also way more tech heavy Tech is already expensive compared to other sectors. (Let's pretend QQQM is a tech fund) You aren't betting that tech will do well directly, you're betting that the market is either still under valuing tech or that tech is the only sector not over valued. But also: What about tech companies that don't choose to list on the Nasdaq exchange? Why do you treat them differently?
Measuring if you are in the green or not isn’t a complete picture. Measure yourself against VOO, VTI, VT, etc. Once you factor in opportunity cost you did much worse than losing $69k.
I wouldn’t pick NVDA, since it’s the top holding in VOO at about 8% of assets.
(copypasted from my deleted post) Currently at 30 shares of WMT thanks to the Associate Stock Purchase Plan (15% match up at $70 per pay cycle). Should I continue to stack up this stock or should I sell a large portion of WMT and throw it into VOO/other high performing 10 year plan ETFs? I make roughly $35k/yr, engaged, and am currently pursuing a bachelors in Information Security (degree available from WMT's college tuition program). Probably going to eventually decide between CyberSec focus or staying broad with InfoSec depending on what is more desired.
Maybe look into safer stocks such as stocks that are in the top 10 of VOO.
Yeah but having qqqm puts me into a better place to have higher growth potential I mane of course I understand the risk and that it could also go in the opposite direction of course. Yes there is over lap but given that VOO is following the S&P and QQQM is following nasdaq qqqm give me more variety tech wise and is also way more tech heavy
Oh God I've lost so much on biotech and clawing back with responsible shit like VOO had been a grind
This is already priced in to the current valuations on tech (and qqqm is not just tech). And it’ll already be in VOO anyways at market weighting. Just seems like doubling down for no reason (you will be missing small caps and have a very low weighting on international). Not the end of the world just think you might be making it harder than necessary.
>also given the studies Which studies? I can point to some showing benefits of also including small caps. 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/ * 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/ Notice that in the table in the CBS link, small value and small blend beat out every category of large cap. >that I’m not in the best place to have many options financially right now VOO just feels like the safest bet for me especially being that all my investments are long term plans I'd argue that for one fund portfolios, there's several funds that would place above VOO. Especially for long term. VT, RSSB, target allocation index to name a few. >10% QQQM QQQM currently sits in the large growth area. But see what tends to be recommended by the factor investing links I provided above (hint: not large, not growth).
I chose VOO because I prefer to track the S&P vs the masses that VTI follows also given the studies and that I’m not in the best place to have many options financially right now VOO just feels like the safest bet for me especially being that all my investments are long term plans
I'd say no. Common current recommendations tend to be for 30-40% of stock be international, you'd be skipping the US extended market (why VOO over VTI?), and you should be looking at your US to international ratio as a sum of all accounts intended for the same purpose (which is where the 30-40% would come in).
You know, I worried about this too. And then I realized that there's a convenient work around. What causes extended downturns are high starting valuations and it's primarily just the US market which has experienced a high surge in valuations since the GFC. In contrast, ex-US equities have had the opposite effect So my convenient work around is to just go 100% VXUS in my 401k until the US market looks more slightly attractive. Also have taken on US and int'l small-cap value funds. And finally, a heavy allocation to emerging markets in particular the philippines. So I've got my popcorn ready and sleep very peacefully at night knowing I've got much less downside potential than all these "VOO & chill bros" we see
100% agree, tax advantaged accounts are the best for active trading in, assuming you have a strategy, good risk management, and cut losers early. hodling growth names until you're at a 60% drawdown is just terrible strategy, or more likely, indicates there was no real strategy at all. if you're gonna hodl no matter what: VOO and chill. if you're gonna actively trade: don't diamond hands like a regard.
VOO is diverse. VOO and chill, bro! ^s
I've been managing my IRA with a tech thesis for a few decades and I always keep some industrials, power, and utilities in it - all in the same theme but they provide some cushion. If you go back to your portfolio in January and grab that amount, and back test something like QQQ, or SPY, or VOO, or VTI - compare how they have done to your portfolio. Are you beating the indexes? My portfolio has dropped since Nov 4th as well, but this correction is nothing that hasn't happened many times before over the years, and it always recovers and then continues up to new highs. But if you aren't at least beating the indexes, over the long term, you might as well buy the indexes instead. So I would approach your analysis less in terms of what you're down from recent highs, and more about that: are you still beating the indexes over the long term?
Shucks man. I learned my lesson with FSELX being risky. I put it back to VOO and SWPPX. I feel you totally on this one for sure. The stock market can feel like a scam sometimes my man.
> want people to recommend stocks, but don't care why It's insane. People will yell out fund names when they don't know the first thing about the situation. And the "VOO and chill" parroting makes me sad. Add to that the over-fascination with expense ratio and ... ugh.
Sounds exactly like me this year. Back to VOO I go.
VOO all day (well, M-F, 9:30-4)
In first place will be the the focus on SP500 (VOO) as an exclusive vehicle. The USA has become a lot more unbalanced by sector. (https://en.macromicro.me/collections/34/us-stock-relative/121244/sp-500-gics-sectors-weightings-monthly). Energy (a very good diversifier), utilities (stability especially for income), financials (diversify small), consumer staples (stability of earnings) ... are at lows in terms of weighting. Large, growth and now less sector diversification means a bear could be quite deep and also last longer, sectors can be devestated. There has been a move away from factor tilts, especially value and international with the whole "VOO and chill". I think this is going to be the thing most regretted. Diversification really, really matters. I think the 2nd thing is over focusing on very long term investment. With the move away from housing being a primary savings vehicle people investing are doing a very good job of putting money in 401Ks. But that often means they won't have easy access to money if bad things hit. Having lots of equity in a house mattered. Less young people have that, but that doesn't mean they don't need access. Basically the balance between 5 year investment and 30 years investments is IMHO off. 401k loans can replace this to some extent so it isn't terrible but not perfect either.
FWIW, VT is up 4% more than VOO ytd...
I actually avoid those type of women, soon as a woman starts to act like buttcorn, I flee to a women who acts more like VOO or GLD
ironically, you are up this year the same amount i have lost this month. please VOO and chill
You didn’t “pick bad stocks,” you built a Vegas portfolio inside a retirement account. A Roth IRA is supposed to be boring: VOO, VTI, maybe QQQ, and a couple long-term conviction names. Instead you loaded it with leverage ETFs (BULL, UP), China names (JD, BABA), super-speculative plays (NBIS, ONDS), and then wondered why your balance moves like a crypto chart. Going from $100k → $67k isn’t a market problem, it’s a portfolio construction problem. If this account really matters to you (and it should), simplify it, stop trading inside it, and treat it like a 30 year compounding machine instead of a 30 day gamble. The recovery becomes way easier once the portfolio stops fighting you.
Well I think its time to go back to VOO
Great trade. I have most of my retirement accounts in ETFs like VOO/ QQQM so I don't personally full port or even like to own large cap tech names as individual stocks because their correlation is so high and they all have a beta of like 1+. I've traded in and out of META/AVGO/NVDA at times.. But GOOG is one that I definitely am willing to own in my brokerage stock portfolio. Outside of search/ AI/ cloud/ ads trades, YouTube is an incredibly undervalued asset/ segment that could trade as an individual company and gets so much content for free/ much lower cost than the billions other platforms are producing (thats mostly shit). And Waymo hasn't even really generated revenue yet. As we've seen recently they've started to diverge from being totally grouped into the AI trade with mega techs NVDA, AVGO, AMD, PLTR, MSFT, datacenters, etc. And don't have a CEO/ founder that's a "face" of the company really which can hurt at times/ command less of a market premium markets react when guys like Elon/ Bezos/ Zuckerberg/ Cook/ Jobs/ Gates act out or part ways. Great business.
I always had this same quandary. Until I saw a good question to ask myself. If I was given this cash directly into my pay. Would I invest it immediately into the company, invest in something else more diversified, or spend it as regular income. I now sell my ESPP immediately using it as a 6 month saving with 15% guaranteed interest. Any RSA I get I also sell immediately and reinvest in something diverse like VOO or VGT if I’m wanting a little more growth. Remember. If you keep it there’s 2 different dates for tax purposes. 1 year from grant date it become long term capital gains on the growth. The 15% is still taxed at income rates. 2 years from offering date (the beginning of the 6 months) makes it qualified and the 15% differently depending on a confusing formula. That I’ve yet to fully understand
Here's a hypothetical: You took the $7,000 and bought 12 shares of VOO at $570. So then you have 12 shares of VOO and $160 cash. On Oct 1, VOO paid a dividend and you got $20.88 in cash. Now you have 12 shares of VOO and $180.88 in cash. You sold the VOO shares yesterday at $610 for a total of $7,320. The total value of the $7,000 you put in is now $7,500.88 You have to withdraw that amount and pay ordinary income tax on the $500.88.
Isn’t VT over 60% US? Wouldn’t it make sense to customize by doing VOO and my desired VXUS percentage?
Sorry OP. Thanks for sharing your loss porn. You're helping people. Look at the positives - 130k is still a solid foundation to build. You can look back 10-20 years from now and be proud of your end of year 2025 decision. Put 20k into checking/saving as your safety, gamble 10k as you wish (i.e. like an F U put contract on the SPY, but if you get this 10k fun fun gamble money wiped out then STOP) , split the rest of your 'long term port' 10 year + hodl (..your last 100k..) equally into different etf's, across all industries (or go heavy in VOO, QQQ, etc). Or just put that last 100k all into the GAYMAN and don't look at it for 10 years.
VT is VOO+VXUS (or more accurarely it's VTI + VXUS). VXUS is VEA+VWO. VEU doesnt have small caps, so it's like VOO and VXUS is like VTI. To be the most diversified in the simplest way, just buy VT.
VXUS zero overlap with VOO VT is 89.5% overlap with VOO Have a look at etfinsider to see what I'm seeing.
The tax cushion for holding longer term is much thinner than you think. If the company stock goes down 2-4%, then you've lost all the benefit of holding long term and would have been better selling in the short term. There's another caveat: if the company's stock dropped during the 6 month offering period, it's always more beneficial to sell immediately *unless you think the stock will rally all the way back above its initial offering period*. This is because of how ESPP's work when it comes to calculating capital and ordinary income. IMO, unless you're incredibly bullish, sell it immediately and invest in VOO or some other market fund (diversify).
I'm lump summing 20k on VOO on Monday whatever happens happens
I’d bet you’d be better off not doing the speculative stuff. Keep a few MAG7, and then put more than half into VOO & VT and chill.
3 million when he's 65 will be worth like 1 mil adjusted for inflation. And 8% is a bit too realistic to begin with (VOO isn't old enough and can't be reliably measured so far out). If we look at the actual historical data, 6% is more like it.
Please OP. I also lost 500k in total in last 6 years hodling penny stocks, trading stocks, trading options, day-trading. Please for the sake of god. Do not trade again! I learned over and over again that broad market ETFs are the way to to. Depost rest of your money and future earnings into VOO, VTI, VXUS or something! Save yourself!!!
And by definition if they know less than you do they should just dump money into VOO and there's no reason to pay anyone to tell you to do that.
Yeah even better. Unless it's in a taxable account as VT doesn't qualify for the foreign tax credit, making the VOO/VXUS more tax efficient.
Whatever you do don’t calculate what $700k would’ve gained in VOO over the past 5 years
Yes, run. You can build a simple portfolio of broad market ETFs like VOO and QQQ. If you want some higher expense ratio ETFs with top managers, look at Wedbush Dan Ives AI Revolution (IVES) and Fundstrat Tom Lee Granny Shots (GRNY).
1% is standard for the industry. Also it sounds like he is using mutual funds in a non-qualified is a huge red flag. ETFs don’t have capital gains distributions whereas mutual funds do he should know this as an advisor. I would keep shopping around for someone better. Especially since it sounds like your mom might need more help than VOO and chill
The problem with trying to time it is it could go up another 15% before it goes out of favor again, I feel like DCA is best because of this. Also, where would you suggest we keep the funds until it's out of favor? HYSA? Another stock? VOO?
This is insane. It’s against my own self interest to say this, but you should strongly consider quitting and putting it all in VOO. It’s my experience that people don’t have this sort of experience just one time.
People giving "retirement" advice or saying "VOO and chill" should be banned. Who know if we're fucking alive in 40 years. Gimme my money and gimme now
Gonna give some financial advice: Just VOO and chill for 20+ years. No way that doesn't work. Impossible.
No, because I exited cash gang and went full life savings port into VOO and GOOG about an hour ago and I want to feel good about my decision.
Hey, j/JohnDuttton - can you explain in simple terms how this works? Like, if I have $100K in VOO today, at say, 40 years old, and I'm *not* actively adding more, then I have about 165 shares of it, and I'll always have 165 shares of it. Wouldn't I need the price to rise from $609/share to $6,000/share to come close to even $1MIL by the time I hit 65? I've been happy with the way my ETFs are performing, but I'm just having a really hard time wrapping my head around comments like this, or the "once your portfolio hits $200K or $300K, it will start growing exponentially faster." I just don't get how, if I'm not continuously adding more shares.
that's why you have portfolio distribution like 70/30 stock/bond in 30s and gradually rebalance to 30/70 when you're 60s. And buying at the top of 2008 is a blessing if you hold till today, and buying at the bottom of 2008 is a blessing on top of blessing...so, ya buy VOO and hold, keep some in bonds for dips like 2008 to buy more.
Saw this post, saw my stocks are down a bit. Closed thr app and went about my day lol. 90% of my money is in VOO. The other 10% are in some individual stocks I bought knowing full well I could loose it all. I dont need it so Im just going to ride it out if it gets bad. Honestly I don't feel like we are in a downturn just yet. If we are we wont know for sure for another month. Once I know for sure we are in a slump I might invest a little more, but I'm not going to make any drastic changes.
Okay, boys. I am retiring from options play for the rest of the year. I set aside my short-term caps gain taxes in a HYSA and plowed the rest into GOOG and VOO. Enjoy the roller coaster. May you all enjoy massive volatility gains from here.