VOO

Brave_Yesterday_6106

80% on VOO and 20% on red.

Spicy__Urine

Just choose VOO or VTI it doesnt matter much

Warm_Frame_3913

VOO and chill might actually be the strat

bailuohao

25% all RSST RSB RSSY RSIT or factor tilt? I'm ready to start investing in the next month and i've done quite a bit of reading on return stacking versus a factor tilt ETF strategy vuilt around VOO and VXUS. I thought I'd get people's thoughts. I know it doesn't track, but I'm trying to go for a set and forget 15 year horizon. I know these funds are new, but the appeal is slightly higher (projected) upside with less voaltility because of the way these stacks hedge against each other. Any helpful advice is welcome.

Wings2493

Anybody with high beta or growth stocks and not VOO and Costco has lost 20-50% in a month…

booba2005

Useful thing to know since you're torn between them: QQQ and QQQM are basically the same fund, same Nasdaq-100 index, QQQM just has a lower fee and share price, built for long-term holders like you. So it's really two choices, not three: broad market (VOO) vs tech-heavy (the QQQs). And "QQQM gave greater returns" is looking backwards, it's outperformed because tech ran hot, which also means it drops harder when tech turns. Picking the ETF that went up the most lately is the classic beginner trap. At 18 holding 10+ years, how much you keep adding matters way more than which of these you pick. What's making it feel high-stakes for you?

Superunknown999

VTI is a fund that tracks all US public companies. It’s about as simple an investment as you can make - a bet on the US economy long term. It’s an investment so it can lose value but over any long term period (think 10+ years) it will make you money. You should look to only put money in here you don’t reasonably expect to need in the near term. Another option is VOO which is the S&P 500 fund. Not as broad as VTI but some people prefer concentration in the larger companies. The rest leave in a high yield savings account. Places like SoFi, American Express and many others offer rates over 3% for cash just sitting there. Good luck and nice job!

planes01

Well you would want to establish a an emergency fund first. At least 3 months but I'd recommend 6 months. That could be in a HYSA (Hugh yield savings account) and CD ladder. The remainder that you ideally don't touch for 10+ years can go to the brokerage. Its just an account where you can buy things to invest. In this case you would use your money to be a fund called VOO that tracks all the major companies. You can think of it as owning a small piece of all the common names (Microsoft, apple, Amazon, etc). As all of those companies grow, so does your money. When you want to access that money you sell the fund (hopefully for higher than you bought it originally).

citygeek

So…. There are a whole host of funds with lower beta (measure of volatility) than the S&P 500…but higher returns than inflation. I’d START there. CLOZ - 10% CAGR Divo -12.5% CAGR SCHD - 12% CAGR Then when you get a bit higher, I’d put any money it earns into something broad and simple like VOO

planes01

Nice work Mom. Open a brokerage account and put it into VOO. Leave alone for 10+ years.

steady_compounder

At 18, the boring answer is usually the good answer. VOO is broader and easier to stick with. QQQM is more concentrated and more of a bet on large cap growth staying hot. If you already notice yourself leaning toward the one with the prettier recent chart, that is usually a sign to choose the simpler fund.

Informal-Lime6396

/r/ETFs VOO, QQQ, VGT, SOXX. Everything is getting hammered, semiconductors even more. The sell off has been a while so I think we are approaching bottom. I don't know when the bottom is so I'm deploying capital bit by bit rather than lump sum.

FartPolluter

VOO_bull_never

Sagenitis

All I had to do was play RuneScape and VOO and chill… but no, I had to buy Micron at the top. Now my wife and her boyfriend are drafting up divorce papers.

3dprintinted

You mean passively without actively buying high and selling low? Learning new skills to increase take home pay and put more into VOO?

Beautiful-Parsley-24

If the "CEO" has time for a 1-on-1 with an investor, and you aren't investing seven-figures, you have a huge red flag. He shouldn't have time for that. Odds are you're not getting that money back. I invest in pre-seed startups, I understand 90% of the time I'm lighting my money on fire. If you're not okay with that, you should stick with VOO and SPY.

SoggyOutfield

On gambling and options etc? Since resetting yeah, but its small amounts my only decent size options bets that paid was running home when the first cruise ship was not allowed to dock during covid and buying puts on every cruise line and every airline lol. But I make like two options trades a year at this point. And the rest of the time I am just maxing out retirement accounts with bitcoin and VOO

Abject_Wish_3787

Please go 750 QQQ once, I want out, then rip or dip, VOO for rest of the life

D_Pablo67

Create an account, add cash, then buy an ETF like VOO. If you invest $10,000, the cash is withdrawn from your account and securities are deposited, which fluctuate in value with every market trade. The Rule of 72 is math shorthand for calculating compounded growth, formula is 72 divided by the growth rate to determine time to double your money. Example, 10% rate of return doubles your money in 7.2 years. There is no chance your money goes to zero over 10 years in the S&P 500 unless America as we know it ceases to exist. However, your invest could easily drop 20%. Thus dollar cost averaging into the S&P 500 (VOO) is best approach. Invest $1,000 up front then $500 a week until you reach $10,000, then let it ride.

Aggressive-Donkey-10

buy the ETF VOO for sp500 or buy VT for whole planet's stock market, then do nothing until you need some money, then sell some. The longer you wait the more it will grow, as the hundreds of businesses are growing each year and generally their stock price trends up over long term. real estate is also good investment if you are good at it Vanguard ETFs , like VOO, VT are simple, cheap, easy way to own many businesses

Diokneesus

Do you think people in here have all their money in VOO?

DemonLover_011235813

The appeal of Vanguard index funds are that they passively track the market (the index part) and charge a very low annual expense ratio since there isn't a lot of overhead when compared to an actively managed fund. A lot of other firms offer similar products at similar or lower expense ratios so Vanguard isn't the only game in town for passive investing nowadays. There have been Vanguard funds that lost money and some funds that have closed due to failure to attract investors or performance issues. Those were more on the active side of the house. To my knowledge no funds have gone to zero. In order for VTI or VOO to go to zero, there would need to be some global cataclysm to wipe out the US economy and all industrial output.

luxurychair

VOO can't really go to zero, but if you had something else and everything you owned in an account did go to zero then you'd have $0 in the account but it would still be open.

SophisticatedTurn

The question was that if that 10k balance can ever go to zero investing in said VOO index fund as an example and if that happens, what happens? Do you wait for the market to bounce back up or is the account closed once you hit zero? Very hypothetical but valid question

SophisticatedTurn

The question was that if that 10k balance can ever go to zero investing in said VOO index fund as an example and if that happens, what happens? Do you wait for the market to bounce back up or is the account closed once you hit zero? Very hypothetical but valid question

luxurychair

When you buy stocks or ETFs, like VOO (Vanguard's S&P 500 ETF, a common and strong recommendation), you're buying individual shares, think of them like any other object, maybe a gold coin. If you buy $4,830 worth of VOO you could get about 7 shares of VOO, because each one is worth $690 today. If they're worth $680 tomorrow, you could sell those 7 shares for $4,760, or you can keep them (you should keep them!) If the day after tomorrow they go back up, even higher, to $700, then you could sell those 7 shares for $4,900, or you could keep them (you should keep them!) After 10+ years its very likely these shares are worth a lot more than $690, so keeping them as long as possible is the most likely way to make the most money when you sell them. They might go down in price a little bit in the short term, but they go up more often than they go down, over a long time. You can look at charts of VOO on google or Vanguard to see how much it usually goes up and down, but nothing is guaranteed.

SophisticatedTurn

The question was that if that 10k balance can ever go to zero infesting in said VOO index fund as an example and if that happens, what happens? Do you wait for the market to bounce back off or is the account closed once you hit zero? Very hypothetical but valid question

based_sturgis

if you put $10,000 into a Vanguard brokerage account, you would have $10,000 just sitting there doing nothing. it would be there for 10 years, and it would still be $10,000. Now, after you transfer money into your Vanguard brokerage account, you might decide to purchase shares of an index fund, for example VOO which is Vanguard's S&P 500 index fund. The amount of money in your Vanguard brokerage account will now increase/decrease as the stock price of that index fund fluctuates. You will be able to see the dollar value of all your holdings in your brokerage account every time you log in to your Vanguard account. If the market drops 10% the day after you purchase $10,000 worth of VOO, then you will log into your account and see a balance of $9,000. Likewise if the market were to increase 10% the day after you put your money into the index fund, you would see $11,000 in your account. thats pretty much how it works.

plowt-kirn

"into some Vanguard" is not an investment. Can you please be more specific? If you're talking about a broad based index fund, the chances of it going to zero are virtually nil. Something like VT, VTI, or VOO.

rithsleeper

Once you are in the game, gains come quickly. I still get annoyed when think, why didn’t I know to start when I was 20!? But thing is I was paycheck to paycheck starting my life. And when I started “saving” I got sold on a 403b cause that’s what my parents said to have a special investment account. They took $100 every month and after a DECADE of the biggest bull run in history 2009 to 2019, I had a whopping $14k. Bro what?! When I started really learning about investment during covid I was so mad. I took all the tax penalties to access the money. They wouldn’t let me withdrawal so when I had my first kid I claimed “family emergency need” and took as much as possible. Then they still wouldn’t let me drain the account so I took loan against it and defaulted on the loan. So from that 14k I essentially got back 10.5 after all the taxes and fees/penalties. But that 10.5 will be worth just slapping into VOO in my Roth. So stupid. Point is you learn, get better, can contribute more now, you got plenty of time. Once you start you will snowball quickly.

Sagenitis

Im not cut out of for trading. who was i trying to kid? should have just gone VOO and chill like my wife and her boyfriend.....

SirGlass

Ok , I have noticed in some structured notes it uses something like the S&P500 index what is only a price appreciation index vs S&P500 Total Return What means if the S&P500 is up 10% , that is their benchmark when really something like VOO would return 11% due to dividends. So by using the non TR index they already under perform a basic index fund by sometimes a few %

spilledonwhite

Good I want everything else to crash with me. It aint too much further to zero for a lot of these stocks so why not bring some attention to this shitshow with a broad market crash. I bought SPY calls today at like 1:30pm just to make it crash. Don't fuck with me I will full port VOO and bring on a 1929 crash.

SirGlass

I think they are gimmicky I always kind of laugh at these complicated products. Like even with out using options if you want to limit your downside as well as sort of limit your upside there is a thing called , just investing less and keeping some portion of your money in bonds Like if you sort of simply did something like 70% VOO and 30% 3 year goverment treasury , while the risk profile is different you are sort of doing the exact same thing! You are limiting your downside while somewhat limiting(but not capping) your downside with out doing anything complicated or paying a 2.5% commission Then there is always the slight possibility even if the market is up but who ever is the counter party of the note goes bust, you are a creditor.

taplar

I would point you to ... - https://www.investor.gov/introduction-investing - https://www.investopedia.com/articles/basics/03/050203.asp I don't really like to tell people what to invest in, and would rather point them to learning resources, since everyone has to learn to take responsibility for their own investments. But if I *had* to, I'd say start with either VOO, or VTI, or VT, and as you learn more about investing start to diversify more when you have a reason to do so.

LineMission1628

I see, so what would you recommend to someone starting off? I see there’s no point in investing in VTI and VOO at the same time Since they pretty much have the same %. If VTI and VXUS Is a good Combo what’s a good combo with VOO?

taplar

VXUS would give you some diversification into international equities. It's an established practice by some investors to hold a mix of VTI and VXUS to have a total world equity investing strategy. It's long term returns are lower than VOO or QQQM, but you gain the extra diversification.

taplar

The 15 year return for VOO is around 14.5% The longest trailing returns available for QQQM is 5 years at around 15% Both of those have diversification built in to different degrees. The primary draw of SCHD is the dividends. It's longest available trailing returns period is 10 years at 12%. Are you going to be using the dividends? If all you're doing is reinvesting, based upon historical returns you would be better off opting out of SCHD and going more into VOO or QQQM.

Dazzling-Ad7012

I made 20k, then lost the 20k and 18k of my own cash...account is in ruins wild couple of months. Wish I pulled out and just push the 38k in VOO or held the cash 💸

DandierChip

Investing in VOO/Spy over a long period of time does work tho

LineMission1628

Hey everyone, I’m still pretty new to investing and wanted to get some opinions. After doing a lot of research, I decided to start with **VOO, QQQM, SCHD, and Apple (AAPL)**. I like what each of them brings, and I wanted to keep things simple while I continue learning. That’s also why I haven’t invested much money yet I want to ease into it instead of throwing a ton of money at something I don’t fully understand. I already have a **Roth IRA** that’s managed through my financial advisor, but I also wanted to open a **Charles Schwab** brokerage account on my own so I could learn more about investing and have more than one investment account. Eventually, once I become more knowledgeable and comfortable with investing, I’d like to branch out into some riskier individual stocks with higher growth potential. But for now, my goal is to build a solid foundation and learn good investing habits before taking on more risk. Do you think these four are a solid place to start, or is there anything you would change? I’m investing for the long term, not trying to get rich overnight. I’d appreciate any advice or suggestions from people with more experience. Thanks!

CJBlueNorther

Fam, 0dtes are for us peasants to gamble with to try and strike it rich, okay? You already had it made, just VOO and chill, so you can coast off those sweet dividends for the rest of your life. Christ on a motorbike 🏍

awana4

Sell in May and go away, and come on back on St. Leger's Day.. Damn, I feel old right now. These are usually some of the worst months of the year for trading. Either dump that portfolio into VOO, or learn how to relax and hedge you portfolio until Mid-September.

Wrong-Protection-188

Yes. I thought I was picking good stocks. Probably just liquidate everything and buy VOO.

trix_is_for_kids

lol you shouldn’t be paying anyone to manage your port unless you’re mid 7 to 8 figures. This person should just buy VOO/VT and not pay attention to the market

CivilizedSteve

Those are Reddit names. When you see a name make sure you investigate the heck out of them. VOO or Google or Amazon are all PROBABLY going to go up over time. But every stock will have red days.

Dumb_Nuts

They’re only pitching it because it’s profitable to them. The callable piece is essentially a short call option 23% OTM and the downside protection is a put option financed through the sale of the call. Then some unnecessary complexity to make it sound interesting and valuable. It’s basically a collar trade long the underlying, short call, long out. You could put that on yourself for pennies on VOO shares and almost definitely have a better risk/return profile.

theNeumannArchitect

I didn't really start investing till my early 30s beyond a 401k. My only advice is don't invest a single dollar in anything except VOO till you hit 100k. Then allocate 5% to 10% to individual holdings. If you hit 100k by 40 then it will be worth around 1 million by retirement assuming \~10% return without another single contribution. Plus whatever 401k contributions you'd made. That peace of mind allows you to be patient and diligent about targeting individual stocks when the opportunity arises. Time is your friend. Put away as much as you can early and let compounding do the rest of the work for you.

PinkthePantherLord

How about VOO and you learn from this, or put the rest of the \~$900k on 0dtes tomorrow 👨‍🌾👨‍🌾👨‍🌾👨‍🌾👨‍🌾

Low_Plastic363

That's the defensive posturing. If you're 100% in VOO, you don't care if money rotates unless it all goes to small caps. If you're chasing the latest AI build-out meme stocks, you risk getting burned the one time "this time is different."

YourChildhood5762

I've been through this before. My portfolio peaked June 1st. Since then I have had a majority of red days with a couple of stocks losing 5% on any given day. They are all speculative technology or some relation to it. It hurts, but I had good gains up until then and am spread out across several sectors. I was proud of how well I was doing but will probably finish even with VOO (9% YTD). I don't think I'll do worse. I'm not selling. I'm keeping my powder dry for for the big crash in September. I don't think we'll aggressively rip out of it but things will be okay.

Rich-Possibility2954

Well Warren Buffett says if you’re investing (ideally in low cost index funds like VOO) you should only check once a year. If not and just trading it’s more like gambling and proven to lose more money 

Straight_Ad_87

My play money port is VOO, QQQ, SCHD, and GPIQ. Someone want to guess the only one in the green today? 😂

FlatPlutoer

Just buy SCHD or VOO on down days and stay away from options

captain_waddy

Ignore your friends. Invest in VOO and chill.

James_the_bull_

How old are you? I’m 27, $35k in Roth. If I had $200k in my Roth, it’ll all be in VOO. Would be worth $5-10m in 40yrs…. I sometimes want to gamble my Roth IRA, you’re a good reminder of why I shouldn’t lol

Fun_Investment1101

Buying nothing but VOO and cocaine from now on

StockWireN

June highs was the tell. semis ripped so hard that cash/VOO rotation made sense, but those SanDisk and Micron stop losses can get ugly fast if memory rolls over again we re tracking developments like this. see our page

19kjc87

VOO and chill

Abject_Wish_3787

THERE IS A REASON WARREN BUFFET SAID 99% of people can't beat S&P in 10-20 years. Mark this manipulation as that advice and go 80% VT and VOO and 20% of your fav stock

wedabest111

Everyone the past month has been saying institutions are dumping every cent into mag7 had me expecting a 10%+ gain on msfts chart, I check and it’s 2% past month, in a “boom mag7 market” I was expecting a better performance than being on par with VOO 😂

16fca

Reminder that VOO is still near ath

KittyLover-7

This is a losers game I’m taking my losing ass to VOO and chill

Salamanderfs

I had to restrain myself from YOLOing or almost full port-ing into Semi's after the June highs. I knew that what goes up, must come down. Hedged into cash and rotated back into S&P500 ETF (VOO). Having to be worried about stop losses for my SanDisk and Micron shares is a bit distressing but I'll maintain my current foothold in Memory shares. I know at least Nvidia can find a way out of the dark

silver54

if i somehow by a miracle manage to get back to evens with a full memory port, im definitely going straight to VOO fuck this shit

JamesLikesIt

Honestly I’m learning I don’t have the stomach for this stuff lol. Consolidated more to VOO and calling it a day. Still keeping some shares of RKLB but I’m pulling back for now. 

oldbeancam

$ROPE son or VOO and chill daughter

spilledonwhite

Do you think if I full port VOO I can crash that too?

Crazy_Reporter_7516

Sold 50K of VOO and put it all into photonics like AAOI. Thought I was getting a nice 10% discount, turns out everything can go down damn near 50%

PalpateMe

Is it simply time for me to VOO and chill 😔

Kodexo1

Put in more. Into something like VOO. And don't trade it. There is a 99.9% chance you will lose all your money full porting. Just go to the casino and put it all on black instead. Better odds.

dpatel211

My AVUV & VOO shares are having a Wrestlemania showdown in my port

Ill_Mastodon8324

I'll assume you are American in which case look up the VOO ETF and get out of this subreddit

visionarymind

Imagine selling $50,000 VOO to YOLO a shitstonk & lose 30-40% 😂🤣 You’re supposed to never sell market ETFs & use the DIVIDENTS for 🆕 endeavours Never change, WSB 🥂

Crazy_Reporter_7516

Sold 50K of VOO and put it all into photonics like AAOI. Thought I was getting a nice 10% discount, turns out everything can go down damn near 50%

Big_Refrigerator4587

the truth is buying VOO is just way better than messing with small caps. to even make small caps worth it you gotta buy like 20 different companies and throw 10k at each. 5 years later, 10 of them will just be flat, 9 will be completely dead or trading for pennies, and maybe one pops. like look at ASTS right now. yeah that 10k would be 50k today, but the other 190k you put into the other 19 companies would probably be worth like 100k total

spilledonwhite

Mag7 is basically VOO and VOO is basically a bond fund. At least that is how my brain sees it after being fried by all the high beta roller coasters I found here.

Virtual_Secretary_98

I have 12k ready to invest, put it all now on VOO or wait for a dip? Market feels shaky rn

siazdghw

Yes. Put whatever you have into VTI or VOO and watch as you slowly regain that $40k loss. Or you can continue playing with options and likely lose more.

siazdghw

Nah, plenty of them will peddle you some in-house fund that has management fees or will be an idiot and try to beat the index. But yes, the sane answer is just to buy VTI or VOO, put any excess savings in when you can, and sit on it and watch your net worth grow

siazdghw

Sure, but the point of VOO or VTI isn't trying to pick favorites, but to have a diversified allocation that will give you a 'safe' healthy annual return. While QQQ and VUG aren't crazy recommendations, you're still picking favorites. If AI didn't take off there was a chance tech would underperform other segments. COVID pushed for more fabs to be built, and put new laptops into the hands of every WFH employee and education from home kid. There was a very real chance tech would have been been in a glut of supply with flat or lower demand.

Low_Astronomer_6669

Yeah but the odds of anyone doing that is slim. Super unlikely. But VOO, I think it may have gained money over any 6 year span since it was new. 

TrainingLower2317

Yeah, definitely sell it it a bit overpriced in my opinion. Get a VOO+VTI+QQQ and forget about it.

Independent_Snow7568

when are these idiots going to learn to put their money on VOO or maybe get a fuckin clue before putting your life savings on something.

cellularesc

Make an account at any brokerage and buy shares of VOO. Profit

Lanky_Cup_4201

I’ll keep my trusted stocks in my arsenal and put more money into VOO to keep my portfolio safe

Lanky_Cup_4201

I can see where your coming from with SPCE and trump coin and I’d like to add further context to those in particular. I already held 2 shares of spce before the big hooplah occurred and I literally bought more of it, and instead of selling it at the 7$ mark I decided to FUCKING HOLD 💔💔💔💔 and then with UNH, I decided to buy the big dip that occurred when the ceo got 200 pumped (it was 10$) and now I’m gonna keep putting more money into it because it’s on the steady rise and I trust it. For Microsoft though; I sold it already because there wasn’t any point of having 10$ in it if I’m being realistic. And YES, I will keep buying VOO

Tiny_Fold_5879

I’ve been taught to have money saved first then buy shares and the option contracts to be your extra extra money. Only trade quality companies. But then again, heavy suggestions to just invest in SPY/VOO.

BJ_Fish2

Ahh damn. Always only do 5% of your portfolio in options. If you lose, go back to VTI or VOO or If Microsoft and apple are down a lot you can put some in VGT. Don't listen to any other fuckers. 5% Max if you lose you're done.

shoebucks_moonpie

The chart is broken because money was invested over time. I would move a part of my paycheck every month. I used to initially just invest in VOO. I was up nearly 20% at some point. A friend made a lot of money with options and he told me about it. I thought I would try and here I am after 2+ years.

Throwaway37620

I may be retarded but is it bad to buy VOO cfd?

shoebucks_moonpie

Its not flat. I was up 20% or so because I had invested everything in VOO.

BedroomNo6879

Chasing fast $$ seldom works out well, just throw everything in VOO and watch it compound!

Icy-Sheepherder4122

I’d recommended auto buying VOO and Gold then deleting your app man.

RaptorKing95

VOO gang

spilledonwhite

AVDV and SCHF absolutely destroyed VOO in 2025. Outperforming a little bit this year too YTD.

Mr_Masala

"I've started over a lot, Lane. This is the worst part." "Get out of here and move forward. This never happened. It will shock you how much it never happened." Two great Don Draper quotes for crap times like this. Good luck to you. Never ever do options again and stick to SPY, VOO, QQQ

Various_Couple_764

I personally prefer dividend investing especially in a taxable account. For taxable account there are no restrictions on the ammount you can invested per year and and you can withdrawal your money at any time with no restrictions other than taxes. So it is best to take advantage of that. It is widely recommended that you have 6 month of cash saved up for emergencies. a money market account in your taxable brokerage is ideal for that. There are money market accounts available with yield comparable to High Yield Savings Accounts iat banks. Then I would start funding a high dividend fund so that the dividned will keep the money market account full at 6 month of living expenses. Dividned are cash profit sharing payments made directly into your brokerage paymentsSPYI 11% yield is a good one with a high tax efficency. Meaning the tax you pay on the dividends will much lower than the tax on your work income. In fact this fund will be close to tax free for about 9 years. After that you owe tax every year but still at a rate lower than work inocme. Turn of automatic dividned investments. That way the monthly dividend payments will go directly into your money market account. If you have more than 6 months of cash you can invest the excess into VOO and VFX if you want ore reinvest for moredividned income. 50K invest in SPYI willl generate $$5.5K a year. So now you have a taxable account that will generate cash that can be used to cover your Roth IRA payments or use to pay montly utility bills another regular expenses So eventually the dividend income could cover all of your investments and some or all of your living expenses. This effetely means you won't have to use your hard earned work income to save for retirment. I realized this lay in life but I was able to build up enough dividned income to cover a;; pf my living expenses and retired at 55.

KittyLover-7

Dude I fucking suck, I can’t even VOO and chill because that shit will start a lost decade to fuck me, that’s how bad my luck is

realribsnotmcfibs

Remember OP you didn’t only lose the money shown on the screen here but also all the money you could have gained by just putting it in VOO and the interest on your student loans.