VOO

SnS2500

Nokia has done better than VOO for the past five years, so you are making the point to hold not sell, especially since it doing good the past year, including up 10% today. On the other hand, the OP doesn't seem to have a clear plan for the stock so selling and buying something they are more comfortable with would probably make sense for them.

9yr0ld

Everyone and their mother knew about the GME drop. We are only referring to being right when going against the grain. Otherwise I’m a market savant calling VOO to go up in the long term.

rodentmaster

VOO wasn't moving like I wanted after several years. It was slow. I'd suggest you look at SPMO or QQQ.

MXY2022

What’s better VT or VOO

walt128

2.63% of gains never looked so good. Just don’t think about the \~80% gains you could have had just throwing it all in VOO

Professional_Cup7379

RKLB, SMR, NASA and LUNR add up to about $5,047, which is over a third of the account. Selling NASA on its own barely changes that, since the space theme is still where most of your losses are sitting. The $300 of gains against the $1,054 of losses in those other names is fine to harvest, you just have to stay out of NASA for 30 days if you want to claim them. You've already said you don't love NASA or LUNR. Would you actually let the space exposure shrink, or does the urge to add another name back show up pretty fast? I'd probably let VOO and VXUS carry more of the weight and treat the space names as the smaller part.

InvestingNerd2020

Roth IRA is looking great. The taxable brokerage account you just need VOO and VXUS. Maybe add VBIL for emergency savings with tax protection perks (no city nor state taxes). Only downside is you can't access the savings on the weekends once the stock market closes.

saryiahan

VOO and chill

Probutkickerz

Bonds are unlikely to outperform in the long run as you experienced, but are good for peace of mind. You mentioned that you are a couch investor yourself so Im guessing you deal decently well with volatility and probably dont need the money in the short term. I would say go with the VOO or SPY in your case.

Probutkickerz

For me VOO or SPY is already enough, as you said a lot of QQQ or any other popular overlaps so there is no point. I think about geographical diversification in what the businesses actually do. For VOO, most companies operate around the world so US concentration wouldn’t be that big a problem. But if you are still concerned I think a small portion of country or region specific ETFs to go with VOO would be good. Lets say Alibaba from China becomes the biggest company in the world in 20 years somehow, you would still capture that in a China or Asian ETF while your American companies also do their jobs.

SerMumble

You're too concerned with the number of shares and average cost of your holdings. What are your percentage weights of your holdings in your account? Inspect the weighting of the stocks in your portfolio and notice the multiple bets on the same stocks like Amazon and Microsoft for example. This should be concerning because it's not something you mentioned being aware of. The selected etfs are all reputable. SPYM and QNDX are cheaper than VOO and QQQM if you're adding new shares in the future. The cost savings is not huge so nothing wrong sticking with VOO and QQQM if you prefer the cleaner portfolio. The individual stock holdings are a bit performance chasing. If you are investing long term, these look like relatively shorter term holdings compared to your etf choices.

sheldoh

seriously, 15%+ returns on VOO and QQQ

GMVexst

A lot of new investors learning the hard way that VOO and chill is smarter than them

FracturedFlow

QQQM: SCHG: SPMO: VOO: VGT: SCHD: Lots of overlap

_Underscore_Unders

I see this argument all of the time. And I do agree it's a risky bet. I fail to see how no one ever makes the comparison of s&p 500 and nasdaq 100. QQQ is the top 100 out of 3000 nasdaq listed stocks. VOO is the top 500 stocks out of 12,000. How is it wrong to purchase QQQ out of the perceived quality of being in the top 3% of a index, but it's okay to purchase VOO out of the perceived quality of being in the top 4.1% off a market? I think nothing of the index, and everything of the "top tier" involved. It could be the Zebra 100 for all I care. This is my mindset any ways. I own AVUV as well and am fully on board with your argument for it. I just see so many people with the "nasdaq is inherently" argument, and I'm not sure that's how everyone investing in QQQ perceives the situation. Maybe I'm an outlier, it's a numbers game to me. Genuinely curious how what is stated above would be a false comparison, or is inherently flawed. If I am wrong in some fundamental way that I'm not perceiving please lay it out for me so I have a better understanding of this "inherently" argument.

PenguinOfB00m

VOO. Build your permanent core now, keep adding on to it until your monthly investable cash flow is about 5% of your invested capital, only then try swing trading first (multi-day or multi-week trading). Meanwhile, start a demo portfolio with 10000$ and meme trade stocks based on vibes and WSB recommendation. See how quickly you will blow it up, look at your solid VOO investment, and thank your god that you followed this advice.

JahMusicMan

When I started investing in 2019, I had no idea what I was doing so I was buying small (like a few hundred $) of VTI, VOO, QQQ, VUG, VT thinking I was diversifying. But it's too late for me to rebalance to a more simpler portfolio with just VTI, VXUS, and VB/VBR since I have sizeable gains. I'm Mag 7 heavy especially since I own META, MSFT, and some APPL too.

NightlyNews

If you’re buying broad market etfs like VT/VTI you have to have a reason to have multiple holdings as they are already strongly diversified alone. There are relevant cases to own multiple funds for diversification. Did you buy VOO/SPY young and want to have a more diversified holding like VT without selling and incurring taxes. Then you can buy VXUS and VXF. Those hold international and domestic non SPY funds respectively. They have no overlap with SPY, so increase diversification. You will have to manually rebalance. Even in that case is optimal diversity worth the extra effort to you.

Mindless_Park_2574

Sell VOO and DCA the rest

KennytheDoggy

They told you to VOO and chill and you decided to VOO and retard

Parrham

Imagine if you just put that 151K in VOO or VTI and didn’t touch it for 10 years

saryiahan

VOO and chill

worktogethernow

You are set to VOO and chill until retirement age. Or ... You know, this is wallstreetbets

Carttt26

Thinking of buying a quantum etf, QQQJ, and VOO, am I fucking stupid?

Junior-Valuable2071

800k in real estate only generating 3% per year in rent? Is that profit or revenue? It’s difficult to get a grasp of your situation from reading this … if you sold your real estate portfolio and put everything into VOO then yes you would certainly outperform your real estate holdings but I get the feeling there is more to your financial picture than what is represented in this Reddit post.

Hungry-News3403

It’s all irrelevant if you just VOO and chill

RecommendationFit996

It depends what THEIR goals and risk tolerance is. If they prefer safety, ladder some bonds or use a high yielding money market for a chunk of their assets. If they prefer steady income, set up an income portfolio for them. If they can tolerate risk and don’t need monthly income, but can handle a draw system, you can use my plan. With $2M, they can safely spend $80k (4%) per year as a starting point. I’d set aside 4-5x that in order to make sure they wouldn’t need to draw down from their equities during bear markets or crashes. So $400k in either laddered t-bills or a high yield savings or money market. Then the other 80% is invested in equities, namely VOO, or VTI with a small percentage in SPMO, QQQ or VGT, or any combination thereof. This will provide growth over time. You sell equities to replenish the 5 year cushion fund during flat or up years, and just draw down on it during years when the market is down, replenishing it when the market recovers. The beauty of the system is that over time, the 4% annual spending money increases with the performance of the market which should more than cover inflation. The potential drawbacks, it will require a more hands on approach to refund the slush account annually and could lose value if the market goes through an unlikely abnormally extended bear market lasting more than 5 years. But they have to be okay with the plan and taking that level of risk. Will they freak out if the market and thus the value of their portfolio drops 20-30%? Will you be able to handle that feeling in the pit of your stomach? We never know when a market correction or bear market will come or how long it will last. But history tells us that at some point it will. Just factor that into your decision making process

hotsicktwitch

Should I wait until the market is down again to ape? I’m fully VOO VTI right now but I used to trade single stocks.

shasta747

Stick to VOO grandma

spilledonwhite

I have 3% port as part of a 10% bond allocation. The run it is having is NUTS and no one is talking about it. Still a low PE compared to VOO too. Classic I keep thinking "this has to be the top" and it grinds higher while VOO drops or stagnates. Do a YTD compare SCHD vs TLT, looks like it is inversing bonds a bit. Wondering what CPI on Wednesday will do to SCHD.

Vegetable-Radish-404

VOO

fml_fml-

hold VOO reguard

amg-rx7

Go to your favorite financial news website that has a security charting feature. Type in VOO or FXAIX if you like mutual funds - or VT, VTI. Change the time factor to the equivalent of all. Check the direction of the chart. Check the % increase (growth). It is probably a continual line up and to the right. Play with the time range to see how things change but always eventually resolve up and to the right. Meaning that it is growing in value and your wealth is increasing. Now try to reconcile that actual data to your feelings and make a rational decision that you are comfortable with

Either_Librarian7238

Sandisk need to make a 50% move from now to oct... Thats a lotto move now at this point. Take a L and put it into VOO for 5 years. You'll get it back

mainevent1155

99% of people with a long time horizon should just be in 1 or 2 ETF's. Yes, a lot of these companies that have gone up a ton due to AI speculation will probably go to the 0, but there will be clear winners. ex. MAG7, Anthropic/OpenAI/Moonshot. VOO covers the obvious winners so just chill in there for 20 years.

dwoj206

Run. Never look back. Save yourself. Parting words - buy VOO and keep doing that reoccuring for the next 30 years. bye forever.

Amiable_One

I am personally taking step back to conservative investments and buying big dips only. Big dips like MU going down to mid 700s and AMZN going below 230. I am also keeping some cash equivalents for other bets I am monitoring. I have dedicated cash set aside for when/if fed decides to raise interest rates. But yea, I am going all this in my regular brokerage. My retirement is 100% VOO.

Uniquename34556

70% In S&P index fund (example: VOO) 20% International non-US fund (example: VXUS) 10% aggressive fund (example: QQQ)

JohnnyGoSka

You should always balance your high beta growth holdings with anchors. My big anchors are schd, wm, and tmo. Self managing a portfolio is all about risk management. Emotions HAVE to be removed. For most this is easier said than done which is why the boogle head strategy is the best path for 90% of investors. If you put all your money in VOO 5 years ago and didn't touch it you'd be up over 40% without having to think about anything. I really recommend acorns for almost everyone.

Equity_GOD

So you either commit to a slow earning VOO/SPY portfolio and accept it'll take decades to make substantial money unless you move to a third world country.. Or you bet it all once more. The risk is keeping a low money life you already have anyway.

Alreaddy_reddit

This. Just to build on this, professional trading is really difficult, and most amateur traders (people in this sub) probably suck at trading, including (or especially) options. To this guy's point, if you've consistently DCA'd into VOO for the last 10 years and you have a medium to long-term time horizon, you're probably pretty happy and maybe less stressed. But it's boring as shit.

RotDog69

I feel like it depends on who’s actively “trading” and who’s actually just investing. It seems like most traders are losing while people chilling in like VOO or something are profiting. I’ve tried both and I lose when I think I’m a hot shot “stock trader”

Bilo-Akai-

Don't want to say it loud, but the day I'm having to pay for Gemini Notebook, I'm fucked (being able to pinpoint issues or ask AI where certain regulation is on a 160 pages contract is a godsend) ...or I get rich as Google is my 2nd largest holding behind VOO

No-Humor-5927

I do about 60% VOO 30% QQQM and 10% individual stocks which right now mine is in RDDT.

PhoenixProtocol

It says euros. VOO isn’t that popular except US

PhoenixProtocol

Did you read the post? You can’t buy VOO in Europe.

pr0prfkt

Vanguard is cool, they just don’t offer all the stuff Fidelity does and their UX is dated. I know Vanguard advisors and they say it is by design, investing should be boring, and they are not trying to cater to self directed investors, they want people to use their advisors. This makes sense, and I appreciate their candor. They would honestly prefer you buy VOO at a place like Fidelity or Schwab, let the them deal with the service phone calls. There is no revenue from self directed investors on their platform, it is just a loss leader to provide people to pitch management services to.

brute-forced

Sell all of that bs and only buy VOO every two weeks for the next two years while you figure it out. Seriously.

TreGet234

2k isn't much if you have 30k+.... Investing has been a nightmare since last october unless you dodged all blow off tops in crypto, metals, space and memory OR if you were all in SMH exclusively and didn't try to play anything else. Else VOO and chill really was just the best play. Right now there are still a few beaten down stocks that could pop 20% in a few days, especially now on earnings, but you'd first need to find the right ones and even then the question is if they are a good long term hold. I think the ai party will soon come to an end, though there could be one last bout of euphoria left. Even the cheat code of just buying the mag 7 has underperformed for the first time in years. I would stay the course for now, avoid leverage, just stay in voo, keep some cash handy to buy gold/crypto for whenever they bottom out or if we do crash. Could buy treasuries as well because imo the upside ain't so bad especially if we do get a substantial crash, else you still get over 5% a year. I'm also bagholding memory but i do expect it to still bounce a bit. That will be my top signal though, i'm not gonna try riding them out for big gains anymore.

NephtisSeibzehn

I invested a little (first time in march) into SNDK (30% loss overall), SKHY (19% loss), MU (18% loss) and STX (9% loss). VOO and AMZN have been my only gains at 10% and 8% respectively. Should I just sell on those losses and toss it into VOO to someday make it all back or is it worth staying with them? I feel like a dumbass for having gotten into it right before the rug was pulled. It’s not much, about $2k total but I was ready to invest about $30k. I’m glad I didn’t. But even with that bit, man, this has been such a disappointment overall. Except for VOO. They’ve been good and steady.

Professional_Cup7379

The thing I'd want to look at first is whether the brokerage account is really a second strategy or just the Roth account with a dividend filter on top. VOO and VXUS already give you broad US and developed international. SCHD and SPHD are both S&P 500 dividend or low volatility screens, so they're tilting inside the same large cap space the Roth account already owns rather than adding new ground. QQQI tracks the Nasdaq 100, which is heavily overlapping with the growth half of VOO. IWMI is the one sleeve that does something different. There's nothing wrong with wanting an income tilt on its own, but SCHD plus SPHD is roughly 27% of every new dollar in the brokerage account, and both pull from the same 500 names. If SCHD or SPHD dropped 30% in a year while VOO was also down, would you actually keep adding the full $500 a month, or would you start pulling back? Personally, I'd be more comfortable treating the brokerage account as a smaller satellite and letting the Roth do most of the work.

nutsbonkers

Put it all in VOO and go get a job. When it's 3 mil, retire.

Mak333

I invest a brokerage account in individual stocks for the most part, so I'm not the best to answer. I wouldn't overthink it. Here are the 1-year returns on each ETF. VOO+23.7% VXUS+27.8% SPHD+14.1% to +14.3% SCHD+31.4% QQQI+24.0% IWMI+33.4%

MandingoPants

at least it seems you're trying to stick to some rules, so that's how you win in the long run. Just know that VOO and chill is a thing for a reason ie don't get greedy (if you beat SP500 10 year average, call that a win and move on). 

BagholderForLyfe

If you are gonna time the market, what is the point of buying VOO instead of 2-3x ETF?

Afraid-Policy-3648

is this the worst time to VOO and chill?

TooMuchButtHair

It can last if you buy a really rural piece of land and put a tough shed type home on it. It won't be great living, that's for sure. I'd rather stick it in VOO for the next decade and THEN retire a little better.

shiiteweightlifter

Dump in VOO and chill for the love of god

Pitiful-Market8662

VOO and chill

PolarDesert

Planning on buying VOO

SouthernGoal4836

True but if they just stuck it in VOO for 20 years and never contributed another tike they’d still be set for retirement. They could guilt free spend every penny they make and never save beyond an emergency fund. But we all know they’ll YOLO again for either retirement money today or broke. And then they’ll always think the stock market is just a casino instead of a wealth building tool.

PuzzleheadedShop2739

Yeah. Throw it in VOO and you're COAST FIRE. You fucking retard

paragonx29

VOO and chill is so played.

Broke4Life

Not just them, VOO,, VGT, NVDA, TSM, CBRS all making similar charts

Cartoonicorn

"Voo and chill" is a meme for a good reason, and one I am a firm believer in. If you want less volatility, SCHD is a good ETF. It will not grow as much as VOO over 10 years, but the higher dividend and consistant growth do make it a good defensive etf that will still consistantly grow year over year. 

that_tx_dude

You’re essentially wanting Reddit to do the job of a financial advisor: assess your risk tolerance, manage your investments/make recommendations, explain and educate you on the pros/cons of each asset class or fund, etc. You’re way too clueless and uneducated to do this on your own based off your own responses so far, so I’d recommend either finding someone who charges a small fee for this, putting everything in a money market fund, or VOO. I suspect the last 2 options won’t be appealing to you for several reasons, so in that scenario you should go talk to an actual advisor to get their recommendations. However, it’s also my suspicion that you probably think it’s stupid to have to pay a professional to do this because “I can just ask people on Reddit for free”… so IDK 🤷🏻‍♂️

yorickghoul

“No long term stocks” what is your goal? The way you describe it, it sounds like you want the steady and good returns of VOO.

MattieShoes

VOO is an S&P 500 ETF run by Vanguard.

JackORoses

She’s a 10, but can’t shut up about VOO

Electrical-Message67

If your portfolio is $6k you should be stacking VOO or SPX or something, not making moves.

JAWinks

https://letmegooglethat.com/?q=VOO

Snoo-74692

What is VOO?

skeeesh

VOO and chill

Whole-Reserve-4773

Dude is talking about buying Coca-Cola stock. These aren’t sophisticated investors. VOO and chill will beat their portfolio by miles

FartPolluter

"VOO and chill" is very obviously gonna become synymoys with being retarded, the question is when

famguy31

It’s kind of 2 fold. VOO is essentially the market and 1 it has a alright return, 2)if your trading yourself your trying to beat that. The time it takes to learn about trading, opportunity cost, the time it takes to manage your portfolio etc. some people don’t/can’t put in that time or really take that opportunity cost so it’s better to just voo and chill (also the time it takes you to learn and manage your portfolio might be better spent getting a side hustle).

Dr_Zoonotikstein

Man, I hope your fears are unfounded. Besides being an atrocity that might trigger WWIII, such an act might possibly tank the entire world economy. Even "VOO and chill" or cash in HYSA would be precarious positions in such a scenario.

fmotto

Yeah as people have mentioned I feel like overlap isn't that big of a deal, I wouldn't sell ETFs just because of overlap especially if they are going to be charged capital gains on them. Moving forward it would be good to just be more aware of your overlap (which it sounds like you are) and ensure you're investing in a way that diversifies more (if that's what you want). You can use [turtto.com](http://turtto.com) to view overlap among many ETFs and it would also show how much you have in individual holdings. Like VTI/VOO and QQQ are going to have a lot in NVDA, AAPL, etc already. So maybe you're fine with that but might be worth just investing in ETFs instead of individual stocks as you'll be heavily weighted in the super mega cap stocks anyway. [Here using turtto](https://turtto.com/?tickers=VOO%2CQQQ&timeframe=ytd&graphType=adjclose&alloc=50%2C50&allocMode=percent) you can see that at a 50/50 split in VOO/QQQ (not recommending that) you'll have \~8% in NVDA and \~7% in AAPL.

Giratina_Guy

say VOO & chill and nobody bats an eye say GME & chill and everybody loses their minds

Brilliant_Horse_6614

Can of diet coke + VOO & chill

SnuffyMcfluff

Buy shares of VOO.  Remove your app. Don’t look for two years.  Wonder why the number is bigger even though you didn’t do anything.

NotASherwinEmployee

Roth IRA, every paycheck put 10-15% of it into VOO, QQQ, SCHD, and VGT… or spread that 15% across all of them. Max out your Roth IRA every year. When that is maxed out, do the same thing but under your normal stock accounts. A total of $10,000 right now into just VOO, should turn into \~$600k in 30 years if you don’t touch it, and much much more if you continuously add to it. Aim for $200/mo into Roth IRA if you’re making under $30k/yr, if you’re making $40k+ then aim for $500+/mo. By the time you hit 50, you should be able to quit your jobs and live off of the interest/dividends when combined with your retirement.

Glad_Falcon_5794

I love you bro, please put everything into VOO and never gamble again. You'll be a lot happier 

United-Flow6770

Just by the VOO and don’t look at it you’re not rich or old enough to gamble yet

DarkHampster

$45k in 0dte out of the money VOO calls is aggressive, but godspeed to you!

Own-Recipe5908

I'd mix the VOO bit between spyd (outperformed spy this year and has chunky dividend), VOO, maybe a smidge in bonds. The last 5k may as well just be thrown in SOXX since it'll go up if the other two do well anyway, SOXL if you wanna go risky with high returns or losses.

Careless-Place-170

if you're serious you might want to hedge a bit. MU or TSM are sort of high beta VOO, it's all one trade.

drmantis_toboggan13

I know this is mostly a YOLO sub but I’ve got $50k in cash I need to get into the market. Thinking like $40k/$45k just VOO and then bet on one or two individual stocks. Thinking MU or TSM. Any other thoughts?

Efficient-Fudge-3515

You’re young, it is much better to have learned this lesson now then when you’re 45 and have 20x as much money. Take it as an L, accept it’s gone, and invest in VOO, and focus on your education and skills. You will not get rich by constantly trading in the market.

JustPutItInRice

Could’ve just invested in VOO…. Why didn’t you

All-th3-way

Put the remaining in VOO, and your principal will likely double in 4-7 years. Then you can start college at 27. It's never too late to go to skool.

Indepti8

If you look at it this way, if you would have put it in an IRA and done VOO for 40 years you’d have like $1.5M!

kurai-tsuki

To rotate to defensive investments like consumer staples, should I sell my existing investments in VOO/VXUS to buy or should I just start investing all new money in those defensive ETFs and leave the existing money as is?

EvictionSpecialist

SP500 up 12%... Aka VOO But noooooo......you lost 60%.. Nice work. Don't quit your day job at Wendy's.

PossiblyAsian

OP let me tell you man. Take that money and put it in QQQ or VOO and forget about it. Don't do it. don't yolo it

Definitelyhereforshi

To think you'd be up ~5.3% if you just held VOO in that same timeframe 💔

Few-Praline9810

A legit answer is to join bogleheads and passive investors, and realize most people will never beat the market (I learned this lesson too a year or so ago). Rebalance your portfolio into some market ETFs and passively invest. My current portfolio is like VTI (or VOO) like 60% or 65%, VXUS for international exposure (like 30% or so). And a bit of AVUV for small cap exposure. If you'd rather bet on tech rn, QNDX for the cheapest nasdaq 100 (or QQQM or QQQ, but these have higher cost basis). Then don't touch the money for years. Don't try to chase yield, dividends, or high risk high reward. You can claim up to $3,000 on your taxes for the losses btw. Actively traded funds are pretty bad. Play with the numbers, watch historical stock market videos on risk (Ben Felix maybe). Uhhhhh. Check out bogleheads. They're really risk averse, but they still get pretty good returns. About half that of top 100 nasdaq companies. The reason you get a lower yield is because the top 100 nasdaq companies (QQQ, QQQM, QNDX) are heavily skewed tech and US. Which opens you up to consentration risk. And they're all large caps, which means smaller growth possibilities (and potential dot-com bubble corrections). You'll sleep better at night if you just passively let your investments play out instead of chasing gains. It'll take you a few years to see significant growth. And tbh you are at the point where I definitely could see your portfolio increasing to 100k easily if you just don't gamble and surpass that. At 100k, you are 1/3 the way to 1 million in time. At 300k, you are 1/2 to 1 million in time. iirc "No one wants to get rich slow" - warren buffet or something. Anyway, yeah, I can't guarantee anything. Not financial advice, but I do think it is a better plan than whatever you're doing.

Lonely-Internet-7565

I am holding right because I just cornered my supply and the other firm can now use that milli to buy VOO

Lonely-Internet-7565

This was not original agreement. Create a new coin and just use the other account for buying the whole supply and use that proceeds to invest in VOO

DigitalDaydreamers1

VOO has outperformed my try hard portfolio 10% YTD … so yeah