Reddit Posts
Best investment strategy for self controlled 401K
If SpaceX merges with Tesla, what will the consequence be for the S&P 500 index, specifically VOO?
VFQY as an alternative to VOO's tech overweighting?
Portfolio Review: 3–5 Year Horizon, Moderate Risk
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
Mentions
>You can't buy "substantially identical" stocks or it would trigger a wash sale. So what do you buy? >>Hell its not even a wash sale to sell VOO and buy IVV even though they track the same index I thought this wasn't true and you need to buy something that tracks a different index.
This will outperform VOO easily.
If you’re long-term investing just choose a reputable broker instead of some shady offshore BS, Fidelity is fine. You only start needing more expansive/comprehensive broker platforms for more complicated forms of trading like scalping. Basically any S&P 500, NASDAQ, or broad market ETFs are good. Always have most of your portfolio in these types of vehicles; these are the retirement prep. If you wanna find the next NVDA use a small portion and be prepared to be wrong. Finding the next “big one” is called speculating. That’s a fancy word for guessing with your gut, which is unreliable. Dont try to pick single stocks, don’t try to time anything; just invest small amounts consistently (maybe with a small lump sum to get you started, ensuring you keep at ***least*** 6 months of emergency funds in that HYSA). In terms of saving for retirement, boring is better. Let compounding do the work for you. In the event of a big pullback during a recession or depression, don’t panic and sell; look at it as an opportunity to get more shares for less money. This is why as you get closer to retirement you diversify into fixed income assets because you won’t have the time to recover from drawdowns and protection of capital becomes the focus instead of growth. If you dump $10k into VOO and we get a 50% crash in two years, don’t think “I’m down $5k” but rather “I can triple my position for the same $10k and ride the next wave up.” Imagine this; VOO is @$700, you can get \~14 shares for $10k. Next year say it crashes to $350. You can now get 28 extra shares for the same $10k, and you have 42 shares total now. If it goes back to $700 your position is now worth $29,400. This is obviously a hypothetical scenario, just giving an example. That’s why I hate bailouts; it strips young investors of the opportunity to buy valuable assets for cheap because the old fucks want daddy to save them. Crashes are good; they bring ample opportunity for younger generations with less wealth accumulated to size up and build their portfolios for the next bull runs. Here’s some interesting comparisons from the bottom of ‘09 versus current valuations of well known companies: ***Apple (AAPL): \~$2.50 -> \~$340*** ***Microsoft (MSFT): \~$11 -> \~$530*** ***Amazon (AMZN): \~$3 -> \~$262*** ***Walmart (WMT): \~$13 -> \~$119*** ***Oracle (ORCL): \~$7 -> \~$129*** These crashes suck absolute ballsack for someone 3 years from retirement who didn’t shift to capital protection like my asshole of a grandpa (he truly is an asshole); but for those young guns out there these types of opportunities don’t just provide solid returns, they provide life changing opportunities. The ‘08 crash scares the shit out of my parents and they went fixed income for the last 18 years when really they should have doubled down given they both *still* work (and will for a few more years) so they had ample time to ride out a recovery in the event of a subsequent downturn. Now they both spend every other day going over their retirement numbers, pensions, etc. because they stuck themselves with 2-3% earnings for almost two decades and grew almost nothing. I wish I had the knowledge then that I have now because they’d be rolling in dough, but alas I was a little tyke back then worried about what pizza we were having on Friday. My mom had one pension that was stuck on the market and she couldn’t change it to fixed rate; that one pension has done 150% over the last \~20 years, meanwhile their fixed rates haven’t even really touched 1/3 of that. When you see and feel financial struggle firsthand it gives you a drive to learn like you wouldn’t believe. Just keep learning and keep diving. Asking questions means you’re in the right direction. Best of luck to you.
VOO and VXUS are good and don’t require much thought. Just keep contributing when you can. I wouldn’t mess with BND in your 20s.
Where is the 7% written down? People repeat it like it's a term of the account. VOO and VXUS can go flat for a decade and that number doesn't change. Also BND in a portfolio this young mostly just slows it down, but that's a separate argument.
Fidelity is fine but it’s hard to read for a beginner. Robinhood is criticized for complex reasons and is easy to use. It shows you better graphs and makes things easier than any other app. As long as you don’t mind it trying to sell you Robinhood gold. Dividends are good, but the rule of thumb is: dividends always underperform the market. If you’re going to put the money right back into the market, why use dividends? Generally dividend stocks are for people with a family or retired people who will spend the cash payouts on stuff they need, in lieu of watching number go up faster. Don’t invest money in stocks you might need in the next 5 years. If you invest and 2008 happens tomorrow, we’ll look like idiots for suggesting it. Step 1: max your 401k match if works offers it Step 2: keep six months of expenses in an emergency fund. HYSA is good. Bond funds are also good because they don’t go down in a crash. I keep mine in SGOV which pays 3.8% Step 3: put the money you’re saving into VOO or VT. The other funds you listed are fine. Step 4: Turn brain off. Seriously. The more you know, the more you think you know. The more you think you know, the more likely you are to make changes. Changes lose money. Patience makes money. Nobody knows what will happen next year. But I do know that the 7% average return will pan out by 2037
Just buy qqq and VOO and forget your losses. You’ll make it all back before retirement
Biggest position is VOO, but not by choice… Mr Market crashed my RKLB by 50 percent to make that happen lmao 🤌
The S&P valuation right now is not bubbly, and even if they end up being bubbly who cares if you’re not selling? I haven’t sold a single share in over 30 years. (I actually own VTI, not VOO but they’re basically the same thing).
You're setting yourself up for failure. You can safely tell him about MM accounts or SGOV (as an alternative to a HYS account) but beyond that I wouldn't make too many recommendations. If he's a close friend you can mention that he should look into INDEX funds like VOO or SPY. High level, if anything goes wrong he's going to blame you. Who needs that?
You could literally have put it all into VOO and made money. Wallstreetbets is fun when people post their daring options trades, this is just plain dumpster investing.
If you put $30k into VOO back in Jan of 2021, and didn't touch it, you'd have $67k today.
You’d have 70k if you just shoved it in VOO and forgot about it lol
Should’ve just bought VOO or BTC and clocked in at Wendy’s
Btw you would currently have around 55k if you had invested in VOO. Even if you wanted to keep your risk-tolerance high, VGT would have gotten you to 70k lol.
Don't listen to anyone on this subreddit. It's mostly Geezers who have no clue what they're doing. Do yourself a favor and throw all your $ or 90% of it into an ETF or a couple of ETFs. Maybe do some research into long term investing. VOO + VXUS Or VT Or VTI (+VXUS) ^All good choices^
VOO- S and P heavy, VT for international exposure. SCHD for dividend income and AI bubble safe. I have the realization of yes I know there's overlap. VTI plus VXUS isn't a bad deal either. US heavy fund + international fund
you have to establish a base camp ⛺️ on your highest conviction companies/indicies based on your own thesis and DD if you buy some shit based on something some fukhead said, you will sell out of it and buy high and sell low then take 10-20% and go for beta and outsized gains the biggest determining factor in growing wealth is spending less than you bring and put those dollars to work buying assets. my base camp ⛺️ QQQ VOO SPY SCHD AMZN GOOGL MSFT thank you for coming to my TedTalk
Are you sure it paid off? I'm not seeing exit or re entry points. I know that those who stayed the course with VOO have outperformed even perfect timing if an international rebalance.
Please explain why VOO+VT+SCHD over just VTI+VXUS?
You realize SPY is also mostly tech right, but tech is not 100% of the market therefore SPY or VOO is a better indicator of the market than QQQ
SPY / VOO is still up 0.7% though..
Yeah that’s the one that’s even more dependent on Musk not throwing another Roman salute in public than VOO.
If i was pregnant and found out my husband blew a quarter mil gambling options I'd divorce him. With that much money just put it in VOO and retire early ffs
Checked out when you put the dollar sign in the wrong place in like the first giant unbroken paragraph. Please pay attention in class and just long VOO.
>The Nasdaq in 2000 was the opposite, it fell 78.4% over 31 months and didn't close above its March 2000 high until April 2015. This statement holds a lot of meaning for a person who might have lump summed all their investment capital ito the NAS in March 2000. It holds less and less meaning for the people who have smaller percentage of their investment capital invested in NAS in March 2000. The reality is the people who had been investing DCA through the 90's were doing just fine through the dot com burst and financial crisis. When 2022 hit, my portfolio did take a big haircut. But buying more AMZN MSFT GOOGL SHOP NVDA AVGO QQQ VOO would have increased my cost basis, because my accumulation had been done for years prior. Investors who buy and hold companies with growing top and bottom lines eventually get rewarded. It's the speculators that may need to panic.
I just put a certain amount into VOO every month and don't really pay attention. Watching the price is strictly for scalping in the mornings if I have time. I can't be stressing my long term stocks every single day. It's exhausting.
If you don’t like the concentration of cap weighted VOO, there are equal weighted SP500 funds like RSP.
You’d be up \~100% cumulative over four years if you had invested in VOO and chill. **2023:** \+24.32% **2024:** \+23.35% **2025:** \+16.39% **2026 (YTD):** \+11.88% (approximate current year pace) But go off king.
The S&P is no longer diversity, at least until the AI bubble bursts. Now it is dominated by AI and AI-adjacent. I hold VOO but also add XLP, XLV, XME, XLE, GLD, and a few others to reduce concentration risk. Bonds have historically been good, other than post 2020, so we'll see if now is the new normal or if they will revert to their prior role.
Diversification outside of equities is folly. S&P500 itself is diversity. If you want more, add small cap. If you want even more, add international. VOO, VTI, and VT are honestly the only degrees of diversification you need to care about. Bonds or cash can be held to weather a downturn, but should not be considered investments. You can look how those performed during the 2000 to 2015 example and see "oh wow this mix did well during this specific time frame" but add 5 years to either end... or even just look at the 2009 to 2015 portion of that time frame. Stocks always come out on top. Unless you're planning on retiring in the next few years, 100% equity is the way to go. It's the easiest, least complicated strategy and the math proves it always wins.
17 can be a reasonable thing IF they're adding value and not dilution. Like I have a cluster of biomedical stocks because they all are looking at good phase 3 releases in the near future. But a lot of this just looks like you've decided something looks shiny and added it to the pile, in a fashion where it looks like you're trying to diversify into everything, which makes it not that much different than just...sticking with VOO/VT or such. Some of these are also arguably inferior versions of other things. SFLO is likely better than AVUV. CHIPS superior to SMH and so on. Some things just horribly under perform without offering much at the moment.
Where did you hear this statement? It makes no sense. * SP500 returns are variable * I've never heard of being locked into an SP500. Typically you buy an ETF and sell when you want. * SP500 is the index. An index fund is something that tracks the SP500 like SPY or VOO.
Why am I a perma bull when the most boring ass ETF ever VOO is up 100% in 4 years and the market has never had a top ever in history? Gee I wonder :exit: :exit: :exit:
VOO But in trading account, GOOG and AMZN and MSFT
He wants you to stay poor and invest in VOO
Yes lose the rest revenge trading instead of crying into your four hundred thousand dollars and buying VOO. Next time just send me the money why not
What do you mean “Never”? Stop doing 0Dte or else yes you can never recover. Just VOO and chill until you recover, if you really want to gamble, put 1% of your paycheck on different account and gamble with that portfolio.
I’m all about that VOO, have a buy scheduled every Thursday, takes my mood sw out of it. You can play with some money, but only a Very Small % of your portfolio.
This is the best advice. Put 50k away into SPY or VOO for that unborn child, and don’t fucking touch it.
If only I was an options degen. I did add to my long VOO position on Friday as I always buy when VIX is over 20.
Sold my BTC when it was over 100k and threw it in VOO and sleep like a baby. Crypto is useless snake oil
my bank has balance transfer offer of 0% APR until 01Apr2028. 3% fee am I regarded by borrowing $10k and putting it into VOO; seems like free money
Yeah, VOO is pretty safe for now. VTI on the other hand…
You said it yourself. Just put money into VOO or other indexes. If youre actually this fucked up over not saving anything use that feeling to motivate you to put money away and leave it
u/darkspherei I'm thinking the same thing, I'll be buying VOO and SCHG with my wendy's paycheck
To save you a lot of trouble, the valuation for both companies is a total joke propped up by a decade long (and continuing) string of promises by the CEO that repeatedly fail to come true. He’s about to further attempt to cover up the real situation by merging the two companies. X and xAI are both horribly losing businesses, TSLA is a largely declining business, but SPCX might be a solid one. He’s gonna try to wrap it all up under SPCX and hope that the market will buy another decade of false promises. I really hope you decide not to, and choose much easier bets like GOOGL, META, MS, STT, PM, GE, VOO, XLK, stuff like that.
Don’t know if I’m allowed to say this but…VOO
Put 100k in VOO and use the last 5 to win it back
I VOO , VT and SCHD and chill
ONEQ a Nasdaq fund. A close second is VOO
VOO is my single largest position but as far individual stocks go, it's BRK.B. I do have a few more speculative stocks like ONDS, ASTS, CRDO, BROS and AMPX to keep it interesting and for some growth.
Luckily you’re 33. VOO from here on out. You’ll still be a multi millionaire in future decades. Let this been a 100k life long lesson, rather than turning it into something far worse / longer. Get help if you need to. No shame in that.
Google and VOO/SPY. The rest is ADBE/IGV
Here’s my shares allocation: AMAT 599 ASTS 1638 VOO 76 I am not doing good and currently at $104k unrealized losses with $76k losses YTD from biotech stocks. In a dark place. Praying I can at least I can break even.
What’s your plan? Pardon me wants to just sell pretty much everything, get away from margin and just stick it in VOO. And the other part of me wants to keep putting money into the account and pray all my holding double in the next year
That sweet 250k dumped lazily into just VOO would roughly be $255k to $260k before dividends. Not saying that's what you should've done with the money. But at least you'd still have it.... In fact you may have done better just walking into a casino and putting everything on black for one spin. But I'm no statistician.
Way too may tickers. VOO or VTI for core. That’s it. Aggressive, I like QTUM or DRAM.
I suggest you look up what $40k would turn into over 30 years invested in VOO or something similar. Then do that.
Highest VOO. But highest in options ALK, MongoDB
You’re 23 and gambled 250k instead of just letting it sit in VOO and global market? Get your shit together and stop thinking you’re smarter than the next guy. I know kids see a shit load of money on insta now of days but you just pissed away a guaranteed easy life like a dick.
You would have made 50k by now if you threw your money into VOO
Because my VOO stock doesnt move
Just get an index fund like NASDAQ 100 QQQM or S&P 500 VOO
Then why tf does he/you own VTI and VOO???
It's like a 1-2% underperformance vs VOO over 10 years in both total return and share price. Yeah you'd make more in VOO as it compounds but you'd handedly outpreform morons like OP if they went all in on either one.
Dude just move everything to VTI or VOO and sleep easier for the next 20 years.
If he had been on VOO or VT, this drawdown wouldn't've happened. It's his choice now whether to learn the lesson now and build solid foundations or keeping risking it, which could lead to a slight recovery (6x his money back to the starting position isn't likely at all) or could lead to him learning the lesson while having zero dollars in his account. I personally keep 95% or my portfolio on VOO and use the rest for plays I believe will perform better than the market. But going all in isn't wise.
It’s not paper money it’s real money. If you just put that into VOO you’d be a millionaire before 30. You’re gambling and it isn’t going to end well for you
WTH are you guys going. VOO QQQ and chill.
2% drop for people in VT, VOO, VTV.
For me, a taxable brokerage always turns into something I have permission to tinker around, ahem, gamble with...Max your retirement account at work, max your roth with VOO as you mentioned...and then if you can't resist the dark arts of yolo'ing and blowing up your account, seriously, start stacking physical gold and silver, or get into real estate. You make good money, sorry for your loss, you got 27 years till you even need to think about retiring so just enjoy your life while you have it and make smart decisions going forward. You got this!
Honestly the most realistic thing for you to try to do is whatever money you set aside to trade, put half into actively trading and half into VOO.
Stay away from thematic ETFs like DRAM or NLR. It's not much different than picking individual stocks. VOO, SCHD, QQQM, that's all you need. You might consider SPMO too eventually.
How? So 100% VOO is the answer to investment success? Not even a combination of VOO, VGT, SMH?
Forget about AI stock exposure. 80% VOO, 20% VXUS.
100% VOO is not nearly aggressive enough for a 29 year old and would advise that strategy to someone who wants to invest but does not have the time or care to worry about portfolio. If has the tolerance for volatility, needs a higher allocation towards chips, memory and tech.
Agree with others to reduce this. Just go VOO and chill imo. Do you have the option to contribute to a 401k or other tax advantaged account? Definitely worth looking into rather than putting all this money into a brokerage.
Your core can be simplified entirely to VT, VTI, or VOO. As for your aggressive satellite allocation, I’d stick to a maximum of 5 symbols and try to minimize any overlap. Your best bets here in my opinion are AVUV, SMH, QTUM, and NLR, but be careful about sector thematic ETFs. A strong argument could be made to just buy SMH there.
Too many names & VTI covers most of the indexes you're holding. I would hold more VXUS for international exposure (30% VXUS 50% VOO 20% individual positions). Keep it down to 5 companies tops if you're not a full time investor, it's hard to keep track of more financials/leadership than that. I'm just some guy so do your own dd.
>You can't buy "substantially identical" stocks or it would trigger a wash sale. So what do you buy? I will also note wash sales do not count between different stocks. Its not a wash sale to sell Wallmart and buy Costco or sell exxon and buy conoco Hell its not even a wash sale to sell VOO and buy IVV even though they track the same index
Well if you want to replicate the S&P500 you do not have to own all the stocks If you hold 250 stocks in the S&P500 chances are you can pretty accurately replicate the returns pretty accurately as long as you hold a good cross section of the index Also you can switch between like stocks, like you can hold exxon for oil or energy exposure , if there is losses you can sell exxon and buy conoco However yes ; at some point you will have drift, your direct index may not exactly match the returns of the actual index Maybe you outperform maybe you underperform . However the theory is the tax savings make up for the drift away from the index However that being said I really am not a huge proponent of direct indexing , like sure if you have 10 billion dollars setting up a family office and paying a manager a few million a year to direct index might actually be cheaper than buying VOO If you have 1 million , I am not convinced its a benefit , index funds like VOO are very tax efficient anyway ; the only way I see its beneficial is if you have large stock holdings with huge capital gains, like you are a META employee and have 1 million of meta stock that is almost all capital gains , and you want to diversify and buy into the index Well if you can somewhat offset your selling of meta stock with losses from direct indexing it might make sense, for the average investor I do not think it does
> You can't buy "substantially identical" stocks or it would trigger a wash sale. So what do you buy? There are a few things being mixed together. The "substantially identical" and wash sale issue typically refers to *funds.* Like VOO, IVV, and SPY; all S&P 500 tracking ETFs. Those would probably be considered substantially identical, whereas a total US market fund and S&P fund are *highly correlated in price movement* but not identical for composition. Individual stocks themselves aren't substantially identical, other than maybe some edge cases I haven't considered. Exxon and Chevron are in the same industry, similar-ish market cap in the grand scheme of things, but they're still two totally separate companies. I can't speak to the rule sets in place in the major brokerages and how their tax loss harvesting engines work. How they decide to sell X holding and buy Y, and what subset of say a US large cap index. I can say though that the results can be substantial. Last year I had ~9% of the account size in harvested losses while tracking the S&P.
DCA, switch to 100% VOO below 200 SMA, 1% tolerance band. Its been above most of the year though and the 60% doesn’t include money I added this year
How. Just put money in VOO and don’t touch it. What are you doing
“I just don't know how to move forward and rebuild from here” “It's funny because I know I should just buy VOO and a few other index funds, but I keep fucking up.” You know. You just keep fucking up. You are still young with a great job and a hard lesson. You got this! I lost over a million dollars at 53, get me down everyday and I keep picking myself up. Chin up.