Reddit Posts
The "sell employee stock purchase plan" immediately strategy. This doesn't seem logical to me based on percentages
Anyone else considering increasingly moving to short term govt paper in their tax-free accounts?
I have 11k in stock and I am 20 years old. Where do I invest?
Investing $100 a day - what would you choose besides VOO?
Investing $100 a day - what would you choose besides VOO?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Once again S&P1 seems to be the best long term strategy over the S&P500
I have been DCA’ing into VOO since 2012 and now I’m rich.
VOO Performance Lately / General Investing Approach
After playing options, my net worth is currently 30$
Isn’t concentration actually proven to win over the long term? .
Any advice from experienced investors
At what point is qqqm better than voo for young investors?
What ETFs or Index funds are y’all thinking about bidding on? I really like VOO as a long term play for myself
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
Mentions
Here in Canada I bought up some VFV (aka VOO) and VGRO today
VOO only down 1.09% today Like, it’s not a big deal.
I guess it's due to the fact that you're 60 but surprised most of the comments aren't, Just VOO and chill.
I have $1.6 million dollars! I'm screwed!!!! Boy what the hell are you talking about? Even if you paid off your student loan debt today you'd have more money than most people earn in 25 years. And who told you to take out loans for your schooling when you had that much cash sitting around doing fuck-all? Did you make a mistake? Yeah, but it's a different mistake than spending all that money friviously. You've still got it and can put a milly in VTI or VOO and live a modest life off dividends. You're going to be fine.
Look for a flat fee advisor - links are below. Anyone can call themself a financial advisor. You want a CFP who IS NOT working at a bank. Also be wary of anyone trying to sell you whole/permanent/universal life insurance or annuities as they are making a huge commision off of you. A good advisor should explain things so you understand, and they should prevent you from doing stupid behavioral actions like trying to time the market, pulling your money during a market crash, going all in on select tech stocks, perforamce chasing etc. - https://www.flatfeeadvisors.org (**flat fee only**, no AUM) - https://adviceonlynetwork.com (**flat fee only**, no AUM) - https://hellonectarine.com/ (**flat fee hourly or 8 week engagement**) Fees are also very important to look at. A fee of 1% a year will eat away your potential growth to the tune of 33% over 40 years. If you have invested in a broad based index fund like VOO or VTI 10 years ago, you would have at least doubled your money.
VOO and at least double every 10 years.
Why do you have two cars? Can you get rid of one and use the car payment money to put into investments? You should be focused on shedding all unnecessary expenses, after having gotten rid of all high interest debts (credit cards etc). You should put your 100k into VOO and then not look at it until retirement. Don't touch it even in emergency as it will cause tax implications you don't want to deal with. And you should contribute as much as you can from your salary into a tax deferred account, like a IRA or 401k.
Pick a realistic number on how long you want to plan (financially) on living. Say 85, for example. You need a number to work out the math. You'll also need a plan for what happens if you live beyond, but realities can be faced level headed. Returning to the question, given $100k and planning to 85 (or whatever you choose), get a good free financial planning software and plug in your scenarios. Good choices are trials of Boldin and Projection Lab. It'll advise you on percent of stocks (e.g. S&P 500 etc like VOO) and treasuries. It'll give you solid data to make personal choices and show you exactly the position you're in. No one can tell you (accurately) if the market is going up or down in the short term. So, if you make decisions to wait based on people's opinions, one scenario is that you'll be in cash (or treasuries) waiting at 75. Choose a course based on solid numbers and commit to it.
You'll be ok. DCA into VOO or something and just start saving more. Your SS will buoy you along just fine
You could put it in US treasury notes. Call your brokerage and see if you can set up a treasury ladder or could just put it into $SGOV. I feel like your timeline is short, which influences how risky you can be. You could place a portion in VOO (60k) and 40k in bonds, since yields are around 3-5%. Will at least generate some income for you as a retirement safety net with less risk than a full equity portfolio. All depends on your risk appetite.
There are lower cost funds than VOO, but you'll be saving fractions of a percentage point, so it's not really worth the effort to find them.
John Bogle did his thesis showing mutual funds could not beat an index. IE professional money managers. 1951. He wrote a book detailing his proof. He then started a company based on this idea. Vanguard…..you may have heard of it. Warren Buffett emphasized this fact in an annual meeting \~2007 and made a bet with any manager they couldn’t beat the S&P 500. 1 or 2 hedge fund managers took him and lost so bad they gave up. VOO is the likely the lowest-cost index fund replicating the S&P 500. Don’t believe me. (or anyone) Everything I stated is easily verified.
VOO & chill geniuses who put their faith in Standard & Poors now bagholding Bloom Energy
VOO and chill but VOO won’t chill tf out
Sell now. Put all your money into VOO. Set auto buy every week and forget about it for 25 years. Do it now.
What VOO-like broad etf would you invest in when you have fears of a recession? World-etf?
Your strategy should be early and often. Control debt. Build a cash/emergency fund. Maximize the advantage of free money (the employer match) and tax advantaged accounts (Roth, 401K, etc.). Plenty of writings out there about how $100/month from now until your full SSA retirement age invested in something like VOO or VTI should give you a high probability of success. Once you're hitting that threshold you can do more to work towards FIRE or FIRE COAST.
man even my "stable" VOO/VOOG are down almost 2%, bulls are fukt
Invest in S&P 500 ETF like VOO, SPYM, etc for long term investment, being away it can dip in the short term and take months or years to recover. If you know you need money on short demand (less than 1 week notice) invest in SGOV, VBIL, or if you live in a low income tax state consider JAAA which earns a little higher rate, but incurs more state tax, though be aware it can dip a little more, best if you KNOW you will not need to touch the money for at least a year to give it a headstart
Exactly JAAA is very low risk, VBIL is even lower, both are low enough that if they crash you have bigger worries. Even VOO is safe in the long run, the only truly risky stocks are individual companies, and small tightly focused ETFs, along with of course Options, etc
Expand your time window a bit, look at 6 month, 1 year and 5 year numbers, if you want to be conservative invest in VOO or SPYM, if you want to shoot for bigger gains, with some higher downside odds, invest in SPMO, VFLO, FELV, GARP, just know that all of these may get hit harder in certain downturns than VOO.
Figure out how much of that 8700 you don’t expect to touch for 6+ months. Invest it in the VOO (S&P 500) ETF. Add to it every month or two as funds allow.
Yes , although I will not cut my losses I am praying to get even to just full port into VOO
I’m in the same position pretty much ugh. Might just cash out and buy VOO
it is not an appropriate selection for a position of this size relative to his entire port. 7 million has really has basically, one place to live--SPY or VTI or VOO. Which are all basically the same thing with different fee structures. This is just greed.
Stop overthinking and buy more VOO. Source: Am rich from buying VOO for the past 20 years especially whenever there is a drop in price.
Same, I have a position in VOO that's also up ~80%, I got it at $386 on May 27 '21 and thought it was expensive at the time.
Make sure you have a 6 months emergency fund then just start putting as much as you can in VOO. Sprinkle in a little bit of QQQ as well if you want but buy mostly VOO.
I have 150k in VOO, up 80%. And then i have 25k in stocks, down 30% lol.
Just pick something or VOO. Everything is on sale today, chances are most will go back up.
If you have plenty of time before you need the money, then yes, you have plenty of time. If you are subject to sequence of returns risk, it is highly irresponsible to VOO and chill when the market is over valued.
People should build a sizable port in VOO or IVV to get that compound growth snowball large enough and rolling so that it becomes a machine that churns out more and more money over the long run. Once the portfolio is sufficiently large, only **then** should people use a small percentage of that net worth / future paychecks to make YOLO plays to scratch that gambling itch. But here on wsb there are way too many idiots who want to get rich quick, which is good news I guess because we always need new Wendy's and Starbucks employees lol
If you're planning to retire you should already have an adequate amount of fixed income assets to survive SORR. It doesn't have to be 100% treasuries or 100% VOO
I’m only in ETFs like VOO and VXUS. Can someone tell me to chill because I missed that part and don’t feel very chill right now
Smart money already started. I’m not saying you have to sit in cash. There’s more assets in this world than VOO. There have been many opportunities to do that so far. Examples include Gold in 2023 and Oil in 2025. Both leaving VOO in the dust. Neither at all time highs yet and great bottom buys. Also, US Treasuries printing a guaranteed 5%+
I moved the majority of my ETF holdings from VOO to VXUS/RSP, with a small slice in QQQM
Inflation and Taxes would. That and VOO is up 14% YTD.
The unhedged bit is what gets me. The average person in Europe buying VOO through their bank app has no idea theres a currency in the trade at all, they think they bought 'America'. Then the euro does something and theyre flat for two years and blame the fund.
So then what's the play when you see this? Say you're a bogglehead and all you hold is VOO. Do you liquidate your portfolio on the bet that there is a crash, cash out at the top and then buy back in at the bottom? No, you don't, because you're a bogglehead and you're betting on the long term play always being higher and so you just keep DCA'ing into VOO and ride it out. What's the play here if you've been doing this since 2000?
I'm none of those things. What have you held for 10 years? How does an investor in 2015 select a stock that will confidently do better than CAT? Had I invested the 100K being discussed in this thread in Feb20215 when I bought, the position would be worth about 1 million (and I didn't have DRIP turned on for the first 8 years). This leads to the question, "HOW do you pick one stock for the next 10 years?" Don't just throw out a popular WSB ticker. I think AMZN and GOOGL are good to talk about in this discussion due to market penetration, staying power, multiple revenue streams, and a history of performance. PS - That list isn't my portfolio, which is dominated by VOO, VTI, MOAT, DIA, SGOV, and CAT. It is just the tickers I've held for 10+ years. With the luxury of hindsight, we know I could have done better.
I have believed since the seventies that over the long run, human ingenuity deploying capital gives on average better returns than the after-tax after-inflation return on bonds. I have never had reason to change my mind. Just keep buying. Since no one knows what, buy VT or VOO or something. The key is do not sell or stop buying during the drops.
True. VOO or VT or similar is fine for almost anyone.
I'm 3 years away from retirement, I created a TIPS ladder. If I was under 50, I'd be 70% VOO and 30% VT.
That VOO still returns double of that on average, at last check. Don't get me wrong, if the 10 or 30yr gets to like, 8%, it gets tempting to take a 2%(average) haircut on returns to have peace of mind. But right now, at 5%? Nah.
It's what I do with my roth. Up %38 all-time QQQ, VOO, VEA and VB(<%5 allocation for VB). Compare that to my taxable account where I trade options and shares with positions in individual stocks and no etfs(-%9 all-time lol)
Haha yea. Probably take the rest and buy into VOO or something and stop looking for 10 years
I’d pick BRK.B. Markel, Brookfield, and JPMorgan are reasonable alternatives, but Berkshire is the better all-around bet if I can’t just VOO and chill. If that’s cheating, then AMZN. If that’s still cheating, then ASTS. It has a high risk and high reward roadmap laid out with good EV - and plenty of degens to help it along or get drunk with if it burns. Anything riskier than that goes into options or starting your own business. Don’t buy into other people’s startups.
Diversification is never a bad idea. With the VOO so skewed towards high tech growth I think SCHD is a good balance in this environment.
What? My original comment simply said it was good opportunity few months ago, but you seemed to be hell bent on trying to say it is not because everything need to be compared against VOO on 1Y
brk is up 5% YTD. Poor Buffett should put his money in VOO
Who said you can only buy it at Jan 1 instead of 6 months ago? And VOO has more risk due to AI cycle
7% total return underperformed VOO, with more risk.
Seriously. 500K? Just buy boring shit like VT, VTI, VOO. It will grow plenty without the chance of losing it all overnight.
"I just need a good day tomorrow"... desperate gambling mindset. you need to put your remaining $500 in VOO, delete robinhood, and then dont look at your account for at least a year.
Yeah I ended up selling most and only holding as much as I’d be willing to risk at this moment in time. Sitting on 14k buying power and will likely just put all into VOO and chill
Whatever an equal split between VOO, QQQ, and NVDA gets me.
It's funny because all you really have to do is buy VOO
Don't have time to pick and choose? That's what ETFs are for. Never pay a third party for stock choices. They're making money off of subscriptions, NOT success in the stocks they pump out. The only acceptable form of this would be an account manager type service such as with fidelity or jp morgan or whomever your invest with. Even those may take risks and are no guarantee. If you don't have the time or effort to put in? Invest in VOO. It's slow. It's steady. It's not glamorous. It is reliable, as it will generally be managed to keep up with the market as best as they can.
Hey that $14 will compound a couple of cents each year you keep it in VOO.
You could've been up 14% YTD by being boring and buying VOO. Instead you blew your port up on 0dtes.
Buy VOO or SPY. Spread your 500k over 6-12 months. Preferably over every 2 weeks, during that period. Should get you a decent average through the ups and downs.
It might be a bad time to invest right now but no one knows. Since things are high I’d put it into something safe like VOO which covers most of the US stock market. There is also VT and VTI if you want to diversify even more.
id put half of it into VOO and the other half into QQQM. but i love tech, so... lol
If $425 is the break-even point on the brokerage fee, then wait to trade higher volumes. I don't know who your employer is, but if something catastrophic happens to the stock price (that doesn't also impact VOO), you've probably got bigger problems than having 6 or12 months of ESPP purchases that hasn't been moved to VOO yet.
i could write an essay but the short version is: the top 0.01% tend to stick to GameStop and VOO because they carve out the market’s tail. the rest of us just have to keep our short side sharp and hope we don’t get called.
If it were me, I’d put it in my brokerage account, and buy $5,000 worth of VOO every Monday for as long as i could.
Do $10k a week into VGT and $10k a week into VOO.
Don’t overthink it. Put it all into VOO. And let it ride until you retire and you’ll have a nice nest egg for your golden years.
FXIAIX/VOO and chill. You’re lucky dude. That money is life changing. Don’t go crazy and buy a new car and other dumb shit that a lot of people fall trap too.
Allocate $500,000 across 24 periods and invest that amount weekly into VOO to reduce volatility and improve outcomes. That’s what I’d do but you could also lump sum
Wait until April, the invest in VOO or something that guarantees at least 6% return on dividends not counting returns on shares, you can literally live off 400k off dividends, but also have a job just to ball out
If you don’t need it right away. Do the best of both worlds. 250k VOO, remaining 250k, automatic investing on a weekly monthly. You can look into VXUS, SCHD, etc.
Open a fidelity or otherwise account put it in VOO VTI VXUS. And forget about it. Don’t put the app on your phone don’t look. Don’t touch it.
Either all of it in VOO or VTI is perfectly fine.
If I were you I'd probably put 250k into VOO now, then do 10k a week or every other week till it's gone. I'm 32 though so advice is different depending on age
Too many people recommending VOO😭😭😭 I thought this was WSBs not boomer investing😭
All those fake deals inflated the market now we dump 20% correction on VOO coming
Yea VOO and chill when u have tech stocks doing 300% YOY. With inflation at its current rate, the only option is to risk and aggressively invest into stocks that can do 2-3x in a year. Otherwise u are losing money with ur conventional 7%
If you look at your 5Y performance & didn’t beat SPY, trading might not be for you. Please VOO and forget
Finally, some advice worthy of this sub. Who the fuck are all these financial advisors telling him to stick in VOO?! God damn pussies up in here. Thank you for bringing us back where we belong with this reply.
Umm... buy and hold VOO.
VOO and QQQ are so concentrated in AI it is literally just an AI trade or one step removed. Not nearly the diversification you think it is
you're young. You'll make more money in your job and soon forget about this little loss. Don't get discouraged by this loss. Stock market is the best instrument for wealth accumulation over time. But learn your lesson. Don't put all your eggs in one basket, unless you are buying an ETF (VOO, QQQ, etc). If you buy individual stocks, diversify across a few and think longterm.
They recommended stocks, but this sounds like you bought options. Just buy stocks. better yet, just buy VOO. You're not going to be a sudden millionaire tomorrow, but for every person that hits it big with options there are hundreds of losers. If you're going to gamble, just save time and take it to the roulette table, IMO.
Yeah that's the best move. My main regret is not picking individual stocks (at least I don't do options lol) and putting more in QQQ and VOO.
I know people who go with the theory that when they decide to jump off the ride, they keep half and sell the other half and put it into an index fund. I know people who go with the theory that they sell off what the return of investing in VOO or whatever at the time would have been and keep the remainder. Another take is to ask yourself if you would buy at the current price after doing due diligence if you didn't have a stake. If so, you keep it. With NVidia, I've moved some of my gains out but I believe that while they may be in a bubble, they're the only game in town for the moment. The big players will roll out their own specialized chips like what Google is doing, but that just means that companies that currently can't get NVidia chips will be able to do so. And I hear Yandex may need some ASAP. So I've held onto most of it. Google I think is a mostly stable company at this point, it may be a bit bubbled and I've been doing a little swing trading in a tax sheltered account, but only looking to get a 1-3% gain.
SPYI works by buying the the stocks of the S&P500 at there market wait then selling covered calls on those stocks. This is called a “covered call strategy” In the long term a covered call strategy is expected to underperform the the assets it’s selling covered calls on. If you do a quick compare to VOO that is what you should see. These kind of funds also tend to have higher fees. If you want to increase your risk to get a better return SPYI is not an efficient way of doing so.
Stock dividends are not like bank interest. Get SGOV or a similar t-bill tool to get 3.75% interest... and/or buy VOO/IVV/SPYM for the S&P500 equity return.
The S&P 500 is a specific index of the 500 largest companies in the US alone. SPY, VOO, IVV are all S&P 500 ETFs with minor variations in portfolio weighting. VTI includes all companies traded on the NYSE and NASDAQ in the US. it is not an international ETF. FTSE is a UK exchange so this does not include US stocks.