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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
Same, sold all $500k of my VOO @ $630 a few days ago to wait and see what happens today, felt kinda bad when it rose 0.65% after the Fed news, but AH being down almost 1% makes me feel I made the right choice... Also sold my Google position with over 100% gains after buying in around liberation day or whatever that period was called 😂
Is your thought that the extra printing will lead to more inflation, which will continue to push the VOO (s&p500) up?
unless it's 90% VOO or VIX or VTI or QQQ or SPY and 10% MOT or F or KO, (you get the picture), I 100% agree with you. New investors should not have 100% of everything in one stock. Back to the op on this thread, I do believe that if a new investor is anxious to sell, they should. One can never 'time" the market and my whole point was better to sell and be out a bit more profit than lose it all. I got in on Reddit (yes, because of my karma) and sold it at $72... stupid stupid me BUT, that was the point where I was comfortable and I'm okay with that.
You know what, Im gonna start buying VOO and forget about for the next 25 years -two weeks later- Damn I got 12 grand sitting in VOO ? Lemme get that shit
The SP500 has doubled your returns? bro you gotta step it up, maybe just by VOO and chill?
Can one transfer shares of VOO they already own to Fidelity? Or do you need to sell them all and use that money to buy their version of it? Considering possibly switching brokers in the future.
VOO + 13% 1year - GOOG +72% 1year
I read somewhere that Trump is really upset with the guy who nominated Powell to the Fed. [Plz ignore me while I quietly ponder my VTI/VOO/VXUS distribution]
My company stock went up quite a lot in the last a few years. Now my vested and un-vested stocks are half half. What I did from last quarter was to sell all newly vested ones on vest, and bought VOO. I probably should sell more, but tax is a concern. Besides, I think I might still be financially fine even if the company stock goes down 40%. So it is my plan to sell all future vested ones immediately to balance the risk and growth, and leave un-sold company stocks to kids with step-up basis, unless things change significantly.
Rate my portfolio Hello, I'm not some stock expert like you guys but make decent money and been investing awhile... Rate my holdings, or tell me what you would change! I probably won't listen, but I'll take it into consideration. Total Portfolio: $771K~ (all approx. numbers) VOO: $455K VYM: $109K SGOV: $98K (Slowly shifting to stocks, DCA) NEE: $24K LMT: $23K PYPL: 21K TGT: 21K UPS: 20K ADBE: 20K
Now that they're going to be printing $40 billion/month, raising inflation in the process, it seems I should take most of our cash in HYSA and put it in VOO or something for now.
sp500 etf like VOO is considered a large-cap blend etf. many consider it a growth etf is due to how the top 10 companies in the ETF, which comprises of almost 40% of the entire ETF, are all mainly tech companies. and of course, we all know how tech has dominated in recent years leading to massive gains for investors. a large cap growth would be something like SCHG and VUG. the top 10 holdings is even higher, for better or worst, comprising of almost 58% and 61% of the ETF, respectively. those top 10 holdings are also similar to VOO but the weightings are different (usually higher). therefore, you can say that large cap growth ETFs are more aggressive than VOO and usually suited to either investors late to the game (to make up for the lost years), for young people like yourself who can tolerate the volatility due to a longer investment timeframe of 20-30+ years, or simply for investors who just want to tilt a bit more towards growth.
It is Vanguard sp500 fund. You can buy that in Fidelity and any other broker no problem. Fidelity lets you buy in dollar amounts as it supports fractionals. So you can buy $100/week of VOO, for example. There are many other sp500 funds. That is just a popular one. With Fidelity, since you don’t have to buy whole shares, it is no worry. Best of luck!!
Isnt VOO solely associated with Vanguard ? Is there an equivalent or something similar to VOO outside of Vanguard ? Or can I access VOO through other brokers apps ? But thanks again in advance!
VOO for investing. Buy weekly and auto. As much as you can. Sell only when you have an urgent expense to pay for. SGOV (tbill etf) for emergency fund and short term known large expenses. That’s basically all you need. Tbill and aggressive don’t belong in the same sentence. They are opposites. Money is about when you will spend. Long term: VOO. Short term: SGOV. You’ll will learn along the way. But those are the basics. Auto invest, don’t panic sell. The rest comes with time. Best of luck.
Stop picking stocks, and just buy broad market ETFs (eg VTI/VOO). You can have some money in particular stocks you believe in, but if you are planning for long term growth rather than short term gambles it's the surest path to wealth over a lifetime. You might miss out on some wins, but trying to beat the market is both a gamble and a ton of work.
29 y/o here in the US looking for advice on what to do with $50k in cash. I’m employed full-time (W2) making about $190K/year. My main objectives with this money are long-term growth and flexibility: primarily retirement savings, but I’d also like to keep the option open for a home down payment in the next several years. Time horizon is mostly long (10–20+ years), and I don’t need this money in the next year, but I don’t want it completely locked up either. My risk tolerance is moderate-to-high: I’m fine with market volatility and drawdowns as long as the plan is sensible and long-term focused, but I’m not trying to YOLO or gamble it away. Current holdings include broad market ETFs like VOO, QQQ, and some individual tech stocks, mostly in brokerage/retirement accounts, so I already have meaningful tech/US equity exposure. I have no high-interest debt (credit cards paid in full). I’m considering keeping \~6–9 months of expenses in cash as an emergency fund and investing the rest in a more diversified, mostly passive portfolio (likely broad US + international index funds, maybe some bonds). Given this profile, where would you invest the $50k, and how would you split it between retirement accounts and taxable to balance diversification, tax efficiency, and my existing tech exposure?
Hey OP, a lot of people commented on this post, so don't delete it, under the threat of a ban. But do keep track of your logic and wins and mistakes and learn from them! When you get back in, concentrate on VOO because you will probably do better and your portfolio will have a lot less volatility, which will help with emotional aspects.
QQQ/VOO and UPRO cause I’m feeling spicy
FTEC and VGT have better performance than QQQM so you are incorrect. OP already has VOO and VXUS. They don’t need any more diversification
Same bro, lost $50K in options over 6 years. Could have doubled with VOO
Once I hold through JPOW and my puts are mega ducked I'm taking my losses, taking the tax deduction for 5 years, and buying VOO/SPY/qqq every month for the next 25 years.
I have $800 to throw at my first investment, any recommendations for something safe to start with that is likely to out grow inflation? Ive heard recommendations for VOO on past forums, is that still viable?
Once I hold through JPOW and my puts are mega ducked I'm taking my losses, taking the tax deduction for 5 years, and buying VOO/SPY every month for the next 25 years.
If you bought VOO 1 month ago you’d have gained. How this that deeply lucky?
Everything else aside, you're currently completely diversified. Investing in MSFT / ALPH / AMZ isn't diversification, you've **already** invested into those by investing into VOO and QQQ, which are already heavy on m7... If MSFT goes down, your VOO and QQQ go down too. Not by as much, but still. Real diversification would be investing into assets outside of the ones you've already invested in.
What my wife and I do... Starting at birth, 2k on every BD, taxable account in our names invested in VOO. This should net them 100k+ on their 18th BD. ($112,550 to be precise) UMTA accounts are dangerous, don't use them. At 18 or 21 it's their money legally and you can't unwind them. We skipped 529s, I have my reasons but mostly college is dying. Rather have the cash for house, car, trade school, college, starting a business. My 6 year old is worth $21,492, my soon to be 10 year old will be worth ~ $36,454 on his BD. My 6 year old is matching the benchmark of 10% a year, while my 10 year old will be behind ~$4,000 on that bench mark. I'll make up any difference when he's 18. (sequence of returns + delayed investments caused this) I have dozens of wealth management, CPAs, tax attorneys et al as clients, I asked all of them, they were all clueless until one wealth manager told me just use a taxable account, after I deep dove this strategy, I determined it was the best path forward. The best source I've ever found on this subject can be found here: https://www.paulmerriman.com/investing-for-children#gsc.tab=0 He has a video on YT that gameplays his 10k to his grand daughter up till 100 years old. I show this to everyone. I have no affiliation with him, I'm just a middle class guy trying to make his kids rich by long term investing. You can spend an hour reading his stuff, you'll learn a lot but he does the same strategy that I've deployed. Once annoyance is on Vanguard you can't give accounts nicknames, which would make life easier tracking all of this. I have an excel that tracks everything. I know when each deposit was made, I know what the benchmark is for each age using 6% and 10%, I know what they should and are tracking to have on their HS graduation date. Hell or high-water no mater what is going on in our life, that 2k will hit those accounts on their BDs. My wife and I take it very seriously. Lastly let's say you don't need to tap this 100k at 18, maybe you did well financially that you can help your kid out of your own account. At 62 that 100k is worth $5,500,000. Gold Jerry Gold! Hope this helps.
OP just buy SPY, VOO or VTI.
Guys the obvious money maker here is buying and holding VOO over a lifetime
Google, Google, Google, Some AMZN, , little bit of TTWO and VOO. 😩
> VOO/VTI and chill Good advice altogether, but what does this mean?
ngl you’re already way ahead of the curve at 20 – regular 2.5k/mo is the real superpower here, not the perfect ticker mix. Right now you’re basically running an all-US, mega-cap growth bet (VOO + QQQ + the same names again as single stocks), so you *are* diversified across companies but not really across regions or factors. You don’t need to wait till some magic “age” to start adding a bit of **intl** or even a small bond slice; you can slowly tilt that way any time your risk tolerance says “ok, this volatility is enough.” A super boring but strong setup would be something like broad US + broad ex-US as your core, then decide later if you still wanna keep QQQ / single names as a small spice on top. Not advice, just how it looks from the outside tbh.
75% of my portfolio was managed by a smart guy who has me in VOO, XLK, and a bunch of other growth-ey ETFs, and he has a system where he just holds no matter what happens, unless the price falls down to the anchored VWAP tied to some important event, which would signify a major change in character For my own part of the portfolio, I do swing trading of stocks, so I’m constantly getting in and out of things as they move above a certain line. It’s nice because I’m always churning, usually making money, hopefully making fewer mistakes, and it doesn’t really matter what the overall market does as long as I’m paying attention to the part that’s going up right now.
No, the messiah was right! The s&p(VOO) dropped by whopping 4 dollars in the past 2 days. And did you see that downward slope of a resistance line on the daily chart- crazy! >! /s !<
I’m 48, and slowly moving more of my assets into SCHD. It represents a 15% portion of my portfolio. The remainder is VOO, SCHG, and BRKB (in that order).
Put everything in the S&P and close your eyes. VOO is a good option. I'm serious
I held VOO and QQQM before and after retirement. 100% equities. No bonds or fixed assets. You are WAY young so you should be 100% equities. I’d suggest removing individual tickets and VOO and/or QQQM and chill
Honestly, for a 65 year old planning to stretch a million over four decades, that mix is a little spicy 😂. VTI and VOO together is basically double dipping into the same basket, and throwing 10 percent into GME at retirement age is like saying “I like adrenaline more than stability.” If you’re trying to keep growth while still giving yourself room to breathe, most people your age end up shifting closer to something like a 60/40 or even 50/50 blend once withdrawals start. Not because bonds are sexy, but because sequence of returns will humble anyone depending on their portfolio for income. The REIT slice makes sense though, especially VNQ, as long as you’re ready for the volatility that comes with it. If you want a second opinion that’s actually tailored, I got a ton of value chatting with alann capital when I was reworking my own long term setup. They’re pretty practical and won’t push anything weird. You can just google alann capital . com if you ever want a more custom breakdown. But yeah… maybe keep GME as a fun one percent instead of ten and call it a day.
If you are going to invest in total market ETFs like VT, VTI, VOO, VEA, VXUS then no, you don’t really have to research that. If you want to invest in individual stocks, then yes, you would want to research that. And that is complicated. Some segments or industries have higher or lower valuations. Software tends to be higher because it has a lower barrier to business expansion—you just need more copies of a digital asset (not just, but you don’t need to buy a bunch of tractors or factories usually). So then companies are valued relative to others in their industries—based on what the likelihood of earnings growth is among other factors. So, if a comparable business gets bought out by a larger one, it could cause a revaluation for instance, based on the comparable sale. For the S&P 500, PE ratios near 20 are going to be the norm because these are established and growing businesses (on average)—otherwise they wouldn’t have made it into a list of the 500 largest profitable businesses in the US. Generally these businesses are going to be stable and so their equity risk premium is going to have a lower spread to the risk free rate than smaller, less established companies. PE ratios are elevated because a lot of investors are betting on earnings growth from this new AI tool. Pricing the market at “normal” price during a time when a transformational tool might serve as a catalyst for rapid growth would intuitively seem to be a mistake. It would seem to be a steal to buy the whole market at 18-20 PE ratios when one of the most powerful tools in human history had just entered the stage—and that’s one of the main things driving prices.
I decided to be a boglehead in around 2015 and I have been stacking VOO ever since. Never sold I just move it around to collect brokerage bonuses on top lol
I'm 39 and 95% of my investment portfolio is VOO and VXUS, so yes this holds
At what point do you just do VWRA + a tech fund? Isn't this just VOO + some EXUS + EIMI according to market cap. also r/singaporefi
Just buy VOO and hold it for 20 years until you’re near early retirement
If you don’t know how to Invest then just VOO and chill, it’s that easy
We tend to avoid businesses that take on excessive amounts of interest or give interest based loans. Also avoiding haram things. If that’s not important to you I just say VOO/VT/Bonds.
15k? Come on man I just lost that last week. Please DO NOT kill yourself over 15 grand! Not that it doesn’t suck, but like other commenter said it’s not life changing. Stop with the options. Put all money into QQQM and VOO moving forward. Every cent. Come back in 30 years. You’ll be ok, and this will pass! DM me if you need to.
Instead of killing yourself, why don’t we try investing in VOO? Might be a tad rash of a reaction, don’t you think? Also, it’s only $15k. No offense, that’s not enough money to be killing yourself over. Start over, delete Robinhood, move that money to fidelity, switch your investor profile to conservative and invest in VOO or one of the Fidelity 0 ER funds. If you’re about to kill yourself, then you obviously never had the risk tolerance for options to start with. Please DON’T kill yourself, and take this as a lesson to not buy options if you aren’t prepared to lose every penny you put into it.
That is such a permanent solution to a problem. Even just doing something small that feels good, like taking a hot shower, or a going for a walk, can go a long way. My advice is to keep investing, but switch over to an automatic investment to VOO. It’ll make you a millionaire if you just keep doing it.
Think of all the money you lost on options. Back test if you 100% on VOO instead. Now look at the number and buy 0dte tomorrow regardless
lol. For normal investors the smartest strategies are dollar cost averaging and time in the market. You can even look at historical data and analyze what your gains would have been. It’s also ok to set aside some cash for dips. Obviously if you need the money soon then don’t put it into the market, unless it’s something like SGOV. Otherwise just keep investing and growing your wealth. My anecdotal story is during the April dip I kept buying in all my accounts despite all the doom and gloom. Fast forward to now I’ve made really good returns and honestly I wish I had the money to have invested more. Even though I find the saying “VOO/VTI and chill” annoying, it’s not that bad of a strategy if you’re an average investor and want peace of mind.
Only a fool would take it out, I’m 57 and I’m all in with VTI, VOO, QQQ has all dome well for me and will continue to do well.
What OP is doing is gambling. Sitting in VOO is about as little gambling as you can do while being in the market.
Canadian market, friend. Home country bias this year. More than x2 VOO YTD. I reallocated early in the year, and it's paid off handsomely. Going to maintain this position moving forward. 80-90% TSX, 10-20% SPY. I'll reallocate when sentiment begins shifting, which I don't expect will happen any time soon.
Splitting hairs here, but I’d go with SPYM if you’re holding long term as VOO is 50% higher expense fee. Those fees really add up over time with a larger holding.
I only keep VOO and Schig. Currently, AI performance is indeed limited; most of its capabilities are used for corporate layoffs, and civilian use is limited to translation and chat, and of course, image generation. Furthermore, Trump's interference in the global semiconductor supply chain has caused costs for advanced chip manufacturers to continue to rise.
2025 - Dollar has devalued 11-13% YTD VOO has grown 17% YTD Sp500 holders have gained the difference in that. I have a friend who sold 2 years ago waiting to reenter. Still waiting. He’s missed the huge bull cycle and has had his cash he put in his vault rotting away. Good luck on reentering, have fun on paying the taxes 🤣
Splitting hairs here, but I'd go with VOO if you're holding long term as SPY is triple the expense fee. Those fees really add up over time with a larger holding.
VOO and chill. Got some other random things but 90% voo for the next few decades
Maybe an wtf like VOO? Good lesson on diversifying. They could also compare long term time horizon charts.
I withdrew and paid my house and car off. Soo much less stress and now that is done I’ve bumped up my weekly contributions to VOO and just gonna DCA for the rest of my life lol
I just don’t understand this. Why sell? Just dca into VT/VOO/bonds (or SPUS/UMMA/GLDM if you are muslim like me)
Go for a fractional share and you can even make that a lesson this year, if you wish. Or, and I say this as someone who went through these learning stages with my own kids - the next logical lesson is a basket of stocks (ETF) and you buy them an S&P500 (fractional) share like VOO or whatever your brokerage has. Alternatively, if you want to stick with individual stocks they can relate to - Wendy’s is super cheap and you don’t have to buy fractional. Nike, SBUX, I mean even Roblox or Microsoft or Netflix (you didn’t mention their ages, so I’m giving a range of ideas). And speaking of dividends - one of my kids was tickled pink to yell “Yo, Verizon, I own your stock” at every store we drove by… for months 😂
VOO has a lower expense ratio than SPY and the FBI has announced sports gambling probes, so…
What if my investment in VOO has a good return( for example it is up 50% or more), should the I take profit eventhough I don't need the money right now ?
I would go 100% VTI or VOO I don’t know too much about the UK but in the United States the very last thing you start to invest in is a taxable brokerage account. You’ll want to take advantage of pre tax dollars via contributing into a 401k at work, an HSA and a Roth account with post tax. Then you put money into the taxable brokerage in the simplest terms. Some high earners do mega back doors but vast majority of people will just do 401k and Roth and then their taxable account is just single stock gamble plays.
You should start Googling some of the basics, but yes the earlier you start to invest, the better. At 19 you'll be immensely grateful to your past self when you're in your 30s, 40s, 50s. Don't worry about timing, experts get it wrong all the time, and you don't know what you're doing yet. Open a brokerage with any of the big names: Fidelity, Vanguard, Schwab and start investing whatever you can weekly or monthly into a broad index fund. $VOO or $VTI are both good options, and don't sweat which one you choose, both are good. Terms to look up: * ETFs (Exchange Traded Funds) * Taxable vs. Tax Advantaged Brokerage * Capital Gains Taxes: Short vs Long term * IRA / Roth IRA * 401k * boglehead method (safe investing method to use while you continue to learn)
I have $30k id like to dump into something that isn’t VOO. Let’s hear it
I have $30k id like to dump into something that isn’t VOO. Let’s hear it
for your situation i’d avoid high risk. put the 5k in a solid HYSA for now. i always compare them on sites like banktruth since rates jump around a lot. later when things calm down you can start investing in VTI or VOO little by little. stability first, growth later.
* Consider VTI instead of VOO to capture smaller companies as well * If you really do think tech isn't appropriately valued yet (or it is the only thing not overvalued), use a real tech fund, not QQQ(M) if you want a tech tilt. Though you may also need to consider communications (for companies such as Alphabet/Google and Meta/Facebook) and consumer discretionary (for companies such as Amazon and Tesla).
VOO which is listed under the NYSE includes 12.50% financial services as part of their top 5 sectors, so I didn’t see there to be a discrimination of tech companies who listed themselves under the NYSE instead of Nasdaq, neither did I see a need for an overlap in financial services. Please do correct me if I’m wrong.
>QQQM as the turbocharger for growth. Yes, VOO already has tech, but I see QQQM as a deliberate overweight into the sector which beats the broad market over the long run. I’m still on the boat that the tech sector will continue to thrive exponentially. * If you want to focus tech, why use a fund that allows every sector except financials? QQQM is not intentionally a tech fund. * Why discriminate against tech companies that happen to not be listed on the Nasdaq exchange? What if they chose the NYSE instead? >VOO as the backbone with the S&P 500. Although it’s the default “VOO and chill” which is a little boring, it’s relatively reliable and stable as a compounder and captures the overall strength of the US economy. * What about smaller US companies? * The stock market and economy are not the same thing and research shows they may even be negatively correlated in some ways.
Or VOO. Got burned some this year day trading. Moved my entire port into VOO. I'll leave a small amount of money to play with but not sure the stress is even worth it.
Absolutely , go in on VOO and hold for years the more you invest when you’re younger the less you’ll have to invest when your older
VOO - buy as much as you possibly can while you are young
Meanwhile, i’ve made 20,85% YTD with no currency loss just holding the german DAX. Srsly glad i moved on from just holding VOO.
If you had put $25k into VOO in 2019 and not touched it you'd now have $62k
MTUM, but it underperforms VOO
Gains are limited by tie strike price. Often owning the underlying stock outright will yield greater returns. In the case of a stock like Ford that risk will be mitigated because Ford IMO is a lousy stock to own. Just owning VOO would have outperformed covered calls on F or owning F. If monthly income is absolutely necessary cc are fine, but it’s not gold mine.
Stocks as a whole, but especially tech and AI, had a bit of a correction in Oct through mid Nov. Since that already happened, it has been and likely will continue to climb upwards again. My read is that Nov 21 was the bottom, if you go long here on QQQM, VOO, or VTI (basically take your pick of index funds), you'll be pleased in the near future.
bro frfr just ONE full port 0DTE call… just ONE… and i’ll be SET FOR LIFE man (scratches neck aggressively) then i’ll put that shi in QQQ and VOO. i can FEEL jpow whispering tendies into my ear… i’m basically front running destiny at this point.
Cannot upvote you enough and this needs to be made a pinned post. We need to stop thinking that something is scam, if I don't understand or know how it works. VOO, VT, VTI, VXUS all contain companies you do not like or consider "scam", but that is part of investing in an index. Like `Successful-Tea-5733` linked, pick an index you like then.
Is VOO pronounced “voo” or are the letters spelled out?
SPY and VOO are tracking the same index but at different costs for running the fund. VOO charges 3 basis points while SPY charges 9.45. I would just choose one and stick to that.
What’s your recommended alternative ETF? I’m happy with S&P, and will continue to buy and hold VOO. They certainly have picked the best of the best so far, including Nvidia, Apple, Microsoft, Google and more. So I’m happy to let them continue picking the 500 best of the best, but if you have a reasonable alternative then let’s hear it.
is a good reflexion, but is best to buy all of them in a index fund VOO or an index found of nasdaq 100. However, i do recommend to wait like warren buffet did.
Idk what VOO is but 200 was just kind of a random investment I’m 100% poor just looking for ways to make money cause this office job is killingme
Stop what you’re doing and just invest in VOO. You’re what they call “poor” around here and gambling on some bullshit you don’t understand isn’t going to help
> Like, there's been tons and tons of hype on the web about the sp500 for the past year or two or three When I started looking into investing back in 2012, the recommendation was buy S&P 500 index funds. Best advice I could have gotten. Getting you to buy gamestop, or individual tech stocks or stock options or random crypto projects is how they fleece you. VT, VOO, VTI is how you build wealth for retirement, but it’s your future, do what you want.
Been telling people this my entire advising career. It is easier said than done. Most people don't understand the real dangers most rookies make: not automating, emotional attachment to stock picks (your picks are now tied to your character, terrible idea), falling in love with basis (bought super low long ago, and never bought again, tons of money left on the table), inability to calculate the counterfactual (no idea how to estimate what a simple $200/week auto in VOO would be today). Even for the ones that understand what I am telling them, they STILL call me to panic sell. Still try to convince to me to lower their automatic contribution because of "bad times in the market ahead". I will always have a job because of this human tendency. Anything that helps you spend less and invest more auto = your friend. Anything that creates an obstacle or friction to that end = your enemy. I've seen over optimizing, over analyzing, even sheer complexity be an obstacle to increase automatic investment. Have a super careful mix of % this and that, increasing your weekly investment turns into a nightmare, end result: they just leave it where it is when they could have invested more. Buy VOO on auto weekly basis, sell only when you have an urgent expense to pay for. If the money gets huge, hire a trusted pro. Alway invest auto. Unless you're spending all your income, something should be auto invested.
Just VOO and chill with the money. Sell ETF when you have something urgent to pay for. Do you depend on the monthly income? You should be adding to VOO on an auto weekly basis anyways. Same thing: sell only when you have something urgent to pay for. You're getting to the point where you probably want to make a relationship with a trustworthy pro and make some plans. You will want to delegate this away. Best of luck!
My plan for 2026 is boring but effective: Keep stacking broad ETFs (SPY/VOO or QQQQT/VEQT equivalents) and add small buys on big tech only when they dip 10–15%. No need to chase rockets, the indexes already did the heavy lifting this year. If AI keeps running, I’m covered. If it cools off, I won’t get wrecked. Slow, consistent, and emotionless. That’s the plan.
For 27, you're actually in a great position. Your savings rate is solid, you’re investing consistently, and your debt is manageable. The main thing I’d adjust is diversification — having 30k in a single REIT (O) is a big concentration risk. A smoother long-term approach would be: • keep VOO as your core • keep QQQI as a growth tilt • reduce the oversized REIT position over time Your strategy is totally fine for long-term retirement as long as you stay diversified and keep that savings rate. Voila
For a lifetime horizon, broad index funds almost always outperform savings accounts, metals, and most stock pickers. If you want to keep it simple: • 80–90% in a broad ETF (VOO/VTI) • 10–20% in a tech tilt if you enjoy it (AAPL, MSFT, NVDA). Long-term performance mostly comes from staying invested, not guessing sectors.
I want to see market bleeding 🩸 so I can pump more money into VOO or QQQ
Guys and gals I got some money to gamble in my Roth IRA and I think HOOD is the way to go. Anything else I’m not considering? I have the usual others and VOO.
Solid question, and honestly the answer gets pretty obvious when you look at long-term returns. stocks/index funds beat gold and savings accounts by a mile over 20+ years. Savings accounts give you a few percent, gold mostly just holds value, but stocks average around 10% a year, that compounds fast. The simple move? make index funds (VOO, VTI, etc.) your core, add some bonds if you want stability, and maybe a small bit of gold if it helps you sleep better. No need to overcomplicate it. And real talk, consistent investing in boring index funds beats almost everyone trying to pick the “next Nvidia.” consistency is the actual cheat code.