VOO

Zestyclose-Ice-3434

Just invest every month whatever you can spare into VOO and dont think about it.

dddd11122233

Yes yes and yes. The nice thing about VOO or similar index funds is you don’t have to worry about the day-to-day news or what anyone says, opinions, theories, worries. If you’re young and just put automatic investments in your check, don’t worry about it and let it compound over years you will be set later in life. VOO, or similar, is the best retirement plan. Put as much in as you can now while you’re young and just don’t worry about it, look in 20 years and you will be thrilled. It literally could retire you at an early age if you put in as much as you can in these younger years. Compound interest is an amazing thing. You don’t have to worry about individual stocks or any of that. Just do it consistently and you will see great results. Ignore any noise about the stock market and just keep investing consistently when it’s up and it’s down. This is for the future you

Various_Couple_764

I you buy individual stock you might get lucky have the next Aapple or Amazon. Or loose it all when the company goes bankrupt. So your invesmtn might eventually make you rich or you loose all of your money. And you don't know how long you have to hold for the investment to pay off Individual stocks can be massively profitable but the risk is much higher. With VOO and QQQM you are buy the a large basket of stock in the hope that some will perform very well and those good stock outweigh the bad ones. SO EFT focus on the average performance o the market . This reduces the growth that can occur, and dividend. But is also reduces the risk. history has show the market index fund are very good overalll performer with less risk and more reliable but smaller growth. Yes ther are people the buy 10K of stock and hold if for about 10 years and have more than a million. But that rarely happens. .

Automatic-Prize-8737

paper hands on LUNR at 12 bucks, been holding since it was like 8 and i'm just numb at this point. NASA etf is a meme but at least you got VOO and MSFT doing heavy lifting there that RKLB cost basis is rough tho

jbcsee

The average investor just throws everything in VTI/VOO/etc... they are doing just fine. It's only the degenerate gamblers who are down 10%.

Cruian

>Also wondering when I should get out of VGT because I wanted to be a little aggressive while I'm still young. Sector bets are a form of uncompensated risk, which I would not consider aggressive. An uncompensated risk is one that doesn't bring higher expected long term returns. It should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ >An uncompensated risk is a risk that you can diversify against. * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk or if that doesn't work, the archive link: https://web.archive.org/web/20260107205255/https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, **sector,** or country. Even long term, the winners can come from far more boring areas. Tech revolutions: * https://www.pwlcapital.com/investing-technological-revolutions/ * https://www.morningstar.com/stocks/you-might-think-industry-growth-drives-stock-returns-heres-why-youd-be-wrong >50% VOO, 30% VGT, 15% VXUS, 5% NASA Why so low on ex-US? Why skip the US extended market? >Should I double dip with possibly 70% VOO 30% VXUS in the Roth, or switch to something like VTI in the Roth? I'm a total market style person, so I'd be using VTI or equivalents over VOO everywhere. Personally, 30% ex-US is my "floor" so I'd be compensating for the taxable being underweight ex-Us by having extra in the IRA (unless I was able to correct that easily).

Cruian

>VTI has no point. Similar to bonds, they will be safe during a recession, but at all other times, VOO would out perform. Every 1 year we spend in a recession, we have 5-10 growth years. It doesn't math out. And if you are not retiring, VOO will recover better within a few years. VTI has spent plenty of times above VOO, even long term and in good times. Looking towards factor investing research, small caps have tended to beat large in the long run.

RedditLeagueAccount

Something to lead with every post on here really - The average top performing investors are dead people. You want to set it up where you set it and forget it. That means making things simple. Not too many stocks. Avoid overlap. Diversify a bit. Roth is good. Fill that first every time. After that, it depends on your plan. Do you want to retire early? Going FIRE changes all the picks. While young, I am personally of the opinion of zero bonds. You don't need those until you are 1-2 years out from retirement, if at all. **VTI** has no point. Similar to bonds, they will be safe during a recession, but at all other times, **VOO** would out perform. Every 1 year we spend in a recession, we have 5-10 growth years. It doesn't math out. And if you are not retiring, **VOO** will recover better within a few years. **Traditional brokerage** should be safe growth ETF's unless you are planning on **FIRE**. You get taxed on dividends and cannot sell/rotate without tax penalties if you wanted to attempt that. So whatever you stick in there, generally its something you never need to sell or collect dividends on until you are 60+. So it is best to do growth ETF's. FIRE changes things a bit in the brokerage since you stop working before all the traditional retirement programs come in to support you and you would not have access to your Roth. **Roth** you *can* get a bit wild on since its fine to sell as long as you leave the money in the Roth. Not saying you should but it is safer to play around in. So you can be more risky there. I would still recommend focusing on Growth/value ETF's. Later there is no penalty to sell it all and shift into other options. I personally prefer **SPMO** to **VOO**. Grows a bit faster, if there is a drop, it drops a bit more but the graphs I looked at say **SPMO** does outperform/recovers fine. In either case, **keep in mind there is a lot of overlap** between them and **VGT** so those are not exactly diversified choices. **VOO** and **VGT** overlap by about **71% by weight** and share 36% of their holdings by number of stocks. Investing in **VOO** and **VGT** is almost investing in the same thing. (**VTI** is in the same boat btw, lots of fund overlap. No point selecting it to have a different option from **VOO**). **I would currently count VOO, VGT, and VTI, as all the same thing. Pick one of them**. **VOO** and **VTI** will rebalance if tech stocks crash. Slightly smaller profit margin, a bit more safety. **VGT** can't rebalance because its tech only. **VGT** will have a better upside if tech does not crash but has a higher risk. I personally don't see NASA going up without a major tech breakthrough. We need asteroid mining before we get mass space adoption. All the money is in AI right now and we only got real space investment to one up people during the cold war. No other countries are trying to do anything cool in space so right now its all about - do we think launching more satellites will be enough to drag the stock price up. For me the Roth is- 70% SPMO 8%- individual stocks to play with. 20% VXUS - increased it from 10% as international stuff is happening which will require growth or they fall apart. 2% bit coin - I think its a scam but the scam has lasted a long time semi successfully so far so I am getting the ETF versions with a stop loss instead of directly investing. Brokerage- 90% SPMO 10% random stuff from when I was new to investing that I haven't sold because they seem to be doing okay. It's very boring. I don't see a reason to change it until i'm 10 years out from retirement.

saryiahan

VOO and chill

greenpride32

AAPL is a great company, but their biggest growth years are likey behind them (which you greatly benefited from) and not ahead. They are back on the path to growth, but very recently had a stretch of 3 years of flat revenue - not something you'd expect at their multiple. I think the wise thing to do is sell some AAPL and put it into the SP500 (using an ETF such has VOO). The SP500 index tracks 500 of the largest profitable companies, rotates winners in, and losers out and adds more weight to the biggest winners. If you bought an SP500 ETF, effectively, 6.5% of that is APPL as it commands the second largest weight in the index. So it's not as though you abandoned AAPL, you just diverisifed out of it. SP500 has a long term annual increase of 10.4% (CAGR) with dividends reinvested. That rate doubles your money roughly every 7 years. I personally sold a portion of my AAPL holdings in past week, as I do not believe their big runup is supported by financial performance. And I own sufficient amounts through both VOO (SP500 - \~6.5% weight) and QQQM (NASDAQ 100 index- \~8.55% weight). Also AAPL reports Q3 earnings after the market close today - so there is potentially a wild price swing coming in the near future.

lanimatran

If you decide to go with that plan, I would treat your combined fund as a single portfolio and allocate them to difference places to maximize efficiency: \- all of VGT should stay in Roth to capture the higher gain tax free \- all of VOO should stay inside brokerage to capture its tax-efficiency \- all of VXUS should stay inside brokerage since it historically underperforms \- Reallocate to match your desired allocation

RedditLeagueAccount

I am currently leaning more bearish through 2027 so I am just doing VOO or SPMO but with a stop limit so I can get the gains I can. Voo is heavily invested in tech anyways. If you are bullish on tech, this will get you like 80% of the gains with a bit of downside protection. **Space** wont be relevant until we have another cold war or a significant break through in tech. Self landing space ships sounds cool but isn't the breakthrough required. The most likely thing I would see driving major gains is successfully mining an asteroid. Less technical requirements compared to terraforming a perma living space and clear immediate profits. I want to live in the sci-fi future but that requires complete support on a societal and financial level. That focus is in AI for now which is also pretty sci fi but they didnt set up society for it and the stocks are way over valued IMO. **Government bonds** are a bad decision unless you are close to retirement. Even during recessions, the temp gains lose compared to when stocks finally recover. I am in the camp of never bonds until you are 1-2 years out from retirement. **Energy, precious metals, and chips** will all have some churn for a while. You can maybe gamble on **farming** stuff if you want. or other oil byproducts. We haven't seen the hit yet on the increase gas prices for them. Things like fertilizer will have to go way up. Even during a recession people will need food. I would generally recommend avoid hopping around but if you want to keep jumping through cycle stuff, that's an option. Another fun gamble - **European defense funds**. America is doing weird things and very much flagging as not an ally to European countries. Regardless of if Trump is right or wrong in what he is doing, I would suspect European countries will be required to invest more in their own military.

willienwaylonnme

Genuine question for the older fellas in here - has the market always been this insanely volatile? I'm scared to even stick my money in VOO right now.

Status-Put8162

Buy VOO on every dip and wait to reenter in the winter. Easy game.

Prudent-Corgi3793

DFIV has beaten VOO since inception by +3.5% per year (+27.5% cumulatively). Plus with lower volatility.

WhiteLotus_1776

In my Roth IRA, I do 70% VTI / 10% VXUS / 20% SCHG ….. and my wife does 70% VOO / 10% VXUS / 20% VGT in hers. Over 15 years, that’s done great for us. Pretty much the same setup in our brokerage accounts and Roth 401k’s

JahMusicMan

Since you are young, you'll be changing your investment strategy as you get older. I wouldn't sell VGT, as you probably have capital gains. Just start contributing to VOO and VXUS and Nasa only

Historical-Rate-8717

My brother in Christ by all conventional metrics VGT \*is\* aggressive. Technically speaking even 100% VOO would be considered aggressive from a portfolio construction perspective. Also becoming "more aggressive" is the opposite of diversifying, it implies you're concentrating more seeking outsized returns(alpha,) versus the index(beta.) 30% VGT is a massive tilt towards growth already.

Dragon_slayer1994

Your thought process seems a bit squirrelly TBH probably should keep at least 80% in something like VOO that you won't touch and speculate with the rest to your heart's content

Callbrucewayne

how the fuck do you have over a million and decide to leverage that into an earnings play. Ive blown up my account twice and have done a lot of dumb shit but holy fuck man , please take the remaining and put that into VOO , find more meaning in life , jesus will guide you. Do not chase brother it will all be gone

Utilize3372

Even VOO and chill is VOO and get rekt. Thanks BHO

ChefRobear

Oh - in that case, I guess it's just the price you pay to play. That sucks, but good job taking control of your future. VOO is good, safe, and recommendable. I would also just look into a few of your personal favorite companies that you love, and maybe hold some of their stock.

saltandpepper96

VT or VOO and fuggitaboutit until closer to retirement.

Novalll

Never do this again. Congratulations. VOO and chill

breadispain

Selling VOO at a loss in less than a 3 month window was your second biggest mistake after buying options. Make a commitment to your position and stick with it.

Arbiter51x

Yeah but I bought VOO yesterday and im already up 1.5% in two hours and it doesn't get much better than that.

kumako10

Everyday, it's either joever or lambo. Idk if I can do this anymore. I should just VOO and chill

Turbulent-Year2663

F VOO and chill

AlmostAsianJim

Every time I get the urge to buy the chips/memory pullback, I remind myself that $VOO gets plenty of exposure to them and I buy $VOO instead.

eromynAwonKtnoDI

If my position goes break even I promise I'll find a job and just fullport VOO

carlo_on_fire

VOO

Feralmoon87

I mean you could just VOO and chill

Long_Illustrator_988

> I’m 22 and also run a business, so my thought is to use the business as the primary wealth generator and consistently move some of the profits into diversified investments rather than trying to get rich from stock picking. Exactly. QQQM and VOO already is a bet on US equities, particularly large-cap tech. "Stock picking" is probably not the easiest way to get rich, although it can work out, but if you have a successful business spending your time on stock picking is like divorcing your gorgeous wife so you can try and bag some famous model by crafting the perfect DM (as if that's going to work). What's nice about your business is you're not necessarily competing against the best and the brightest, whereas with stock picking you kind of are. Also, the guy telling you to stop thinking small is giving reasonable advice, but there are a million ways to skin a cat. Personally, I think his advice is a little too strong on something that is just one of many ways to get wealthy. I got wealthy, by the way, and I got there by being a cheap fk that built up my portfolio. I didn't sell any businesses or have any huge windfalls, I just put in the work year after year. My advice is to not listen to him and do whatever you want with your business. Your plan is perfect, you just need to execute.

FailOk1528

VOO and SPY are basically the same S&P 500 exposure in different wrappers. VOO is cheaper for long-term holding, while SPY is more useful for active trading and options. TQQQ is a completely different product—it targets 3x the **daily** return of the Nasdaq-100 and resets every day. It isn’t simply “QQQ with three times the long-term return,” because volatility and the path the market takes matter. If this is retirement money, TQQQ probably shouldn’t be treated as a core index fund.

Key_Category_8531

It's okay, this is too advanced concepts for you Just VOO and chill

Turbulent-Year2663

I will buy VOO, plz just get me to my entry position

WorldlyWar2143

I really gotta take a look at whats been working for me. My retirement port is down menially in comparison to my gambling port, and the only difference is 3x versus 1x etfs lol. Maybe I should really just sell the rip, if it ever comes, and dump it all in my 3 fund port gradually. VOO/VXUS/IWM has been kicking ass for me and I should probably just stick to that

smalltalk2k

I don't think Investing a portion of your paycheck every two weeks is dollar cost averaging. It is periodic lump sum investing. You put the money into the market as soon as it becomes available. Actual dollar cost averaging is having a lump sum of cash and intentionally holding it back to invest in pieces over time. That is market timing because you hold cash expecting a better price. The data shows lump sum investing beats DCA most of the time. ​The idea that you do not lose money until you sell is a behavioral fallacy. Your wealth is exactly what your portfolio is worth today. If the market drops, you lost that wealth. Believing otherwise is mental accounting to avoid the pain of a loss, which is known as the disposition effect. The long term effect does change though depending if it is in individual stocks or broad market index funds. Broad market index funds will recover over time where individual stocks may not.  ​The forced selling point highlights a real risk. Human capital and equity returns are positively correlated. When the economy tanks, job loss often happens at the exact same time your portfolio drops. If you hold only equities like VOO (U.S. S&P 500) and carry a mortgage, you are exposed to sequence of returns risk even before retirement. I think a good solution is not avoiding stocks. It is holding an emergency fund or a fixed income allocation like BND (U.S. Total Bond Market). That breaks the correlation. If you lose your job during a recession, you spend down the safe assets instead of liquidating stocks at a loss.

O22O

Dot.com bubble doesn’t compare to today’s ai ~~\[bubble\]~~ run in any way. You can’t compare 0 revenues by pets.com to today’s monster profits by semis. Also, that long breakeven wasn’t just because of that one bubble popping. It was the serious rate blunder by the Fed, 9/11, massive war, and even more wrong policies and decisions years over years. But crazy trillions in valuations is still a concern and market has to correct. Those who came in early, can hold out for longer. Those who are fresh like myself, will go into the red much sooner. I only joined last October and I am maybe two more red days away from going red for the third time already since October (I got 72% in VOO/VXUS), this time mostly thanks to the 10% I moved into semis this June. My lesson learned - I should have done 100% ETFs until gaining a stronger green layer over my portfolio. It’s easier to lose the profits (sad, but easier).

Jehoopaloopa

Will work until the equity markets crash and you’re -60% on VOO

Audi52

This is why I VOO and chill

farmer15erf

So if i sell my positions that gain 100% and have free money to keep invested in it that's worse than VOO?

farmer15erf

DCA into TQQQ and come out ahead of VOO regardless in the long run. My TQQQ position from a year ago is only up 28%, really sucks right now.

New_Association9786

AMD, SCHD, VOO, TSM. That order of priority

Kromting

I'm done watching my money disappear just even buying VOO. Safest bet my fucking ass

floatingostrichs

It would be pretty dumb of you to shrug off VTI/VOO and then question if you should invest in SCHD, dividend funds, or individual stocks. Pretty damn dumb.

NoChain4469

Ive just been stacking VOO and QQQ for months now (recovering degenerate) but I just have this darkness inside of me saying Yolo into meta

Not_FinancialAdvice

> Just throw it at ETF "Tiger USA 500" (SK version of VOO) and chill Instructions unclear; couldn't get my money into Tiger Management, ended up handing it over to Bill Hwang to run.

superhappykid

Freaking the fk out of what? Their -4% VOO loss?

visionarymind

I bought NVDA @ that level, was $194.50, doubled position Add some VOO too Should be fine in a coupla months, but definitely could’ve waited for 7,250 or lower if options flow & positioning stats are correct

Player1aei

if only VOO craps a lil more

Ravens3505

Never buy $VOO over $QQQ

sfriesen33

DCA VOO and chill

djh157

Agreed that’s totally fine too, there’s a lot of options out there, I’m just used to VOO.

mido_sama

Unless it’s SPY or VOO

agequodagi5

If it’s actually for retirement and you’re going to hold to that, open a Roth IRA with whichever broker you want. You can put up to $7,500 per year in that which is in line with what you’re currently able to invest. I quickly looked at the funds you posted, they’re a mix of growth, value, dividends. That’s also spreading your money out a lot when you could just go with SPYM (I’d recommend that over VOO because you can get multiple shares instead of just fractional ones and that might mentally feel better, same index tracking) and VYM if you really want dividends. Just deposit money in there and buy automatically each month, set dividend reinvestment, and check back in 20 years from now. Quick calcs from AI: Assuming $7,500/year DCA’d in (e.g., monthly installments) for 20 years, total contributions = **$150,000**. Future value at different return assumptions: Assumed return End value Growth 7% (conservative) \~$330K \~$180K 10% (long-run S&P avg) \~$473K \~$323K 11.17% (SPYM since-inception)\~$546K \~$396K

Flayum

That's why you don't pick stocks, just get the broadest non-overlapping ETFs. Why QQQ, when you could VOO? Why VOO, when you could VTI? Why VTI, when you could VT?

InvestingNerd2020

At $200k he doesn't need to gamble anymore. Just throw it at ETF "Tiger USA 500" (SK version of VOO) and chill. Let compound interest work in his favor.

djh157

Things are on sale now, don’t miss the opportunity waiting for something better and end up losing out on time in the market. Buy VOO and log off your brokerage for a while.

Kentuckyquestioner

I went from not investing and just putting everything into a savings account for the last 8 years because I didn't really know much about finances, and finally decided to learn and do some research and whatnot. Put most in VOO, and some in IEMG, VT, SPMO, XMMO, a little in bonds and a few individual stocks I liked. at the start of June. I chose almost the worst day possible, and I'm down 6%. Like I thought I was being responsible starting to invest and not gambling on daytrades or anything, and instead I've immediately lost thousands of dollars. Fuck the stock market

WorseBlitzNA

Just sector rotations VOO and chill. Still up 6% YTD

dracony

Buying VOO is a good idea but honestly this year you could have made so many bad decision with your cash. Check for example how MU stock is dropping with people buying into at 1100$ just over a week or two ago. You can deposit your money into a money market fund at e.g. Vanguard and that basically works like high yield savings at slightly higher percentage. VOO is ok too long term, 2 years+ at least to be calm. Definitely don't get FOMO and invest into some hype, your fear could have saved you multiple times 

Colaspo

real, thanks man. yeah right now i’m playing it safe and just throwing parts of my paycheck into VOO. I’m not too familiar with trading so i just come here and enjoy watching rich people lose money. :)

OdiesBalls

1. I set my 401k contributions so I will hit the annual contribution limit ($24,500 in 2026) by the last pay period of the year. 2. I try to hit my Roth IRA annual contribution limit ($7,500 in 2026) by June-July by depositing \~$1k/mo into that. 3. Pay off ALL my bills for the month so there's no CC interest accruing, while keeping enough in my checking acct to cover any automatic deductions like my electric bill or bi-annual car insurance payment. 4. Dump everything else into my taxable brokerage account, which is currently invested in 3 ETFs: VOO for growth (\~75%), SCHD for dividends (\~20%), & VXUS for international exposure (\~5%). I think I currently have too much in SCHD, so going forward I will only contribute to VOO & VXUS until I'm about 75/10/15. I'm in my mid 40's, so in another \~10 years I will switch more to Income rather than Growth ETFs. I'm not too concerned being 100% into ETFs currently, as I have a couple years worth of living expenses in a HYSA that I can depend on if the market tanks or I lose my job for a period of time. Also - I'm no expert. There's probably a better way to invest, but this is just what I've been doing for the past few years.

br0botic

VOO and chill investors still chilling

PlaxicoCN

Great. Ask those people what their criteria is for picking individual stocks. Ask them to explain when to buy them and when to sell them. Ask them if they can beat the S and P 500 (VOO) or QQQ consistently. If they actually have all that in place and can teach it to you, can you execute it properly over time? There are a lot of moving parts. Or you could just buy indexes and have most of that work done for you. The choice is yours.

Dr_G_E

Hopefully, your previous losses are just the price of a valuable lesson learned. At 21, you should be buying and holding index funds like VOO and maybe high quality large cap growth stocks. You have 40 years before you retire; use that time to your advantage. And open a Roth IRA if you don't already have one.

PaperHandsTheDip

VOO is diversified / solid (S&P 500). QQQ is riskier - tech heavy (nasdaq 100). Both those have averaged \~10% / annum over the last \~30 years.

Happy-n-Healthy

I might unload some VOO I know they say time in market blah blah I don't like getting punked

Key_Category_8531

I do both I invest in VOO in my retirement accounts, and GOOG in my taxable brokerage, that's it I also swing trade forex for some small profits with a small portion of my liquid net worth

whereismymicrowave

Down 80k on 440k port. And I’m all shares. And 60% is in VOO. HOLY FOOOOOOOOOOOOOK

Accurate-Flow8078

So this is why they say VOO and chill

bartino84

My VOO and chill aint feeling so hot today

I_work_too_much

I was down $40K and now up $6K... Just in my VOO port... What the literal fuck is this market

Efficient-Fudge-3515

The best strategy is to invest in VOO, VTI, or VT and hold for a long period of time. The strategy is so good, that it is guaranteed to make you money and outperforms 85% of financial advisors who spend their life studying the market.

InTheYuma

Stocks are called “risk assets” for a reason. The advice still holds true that DCAing over long periods into index funds like VOO or VTI is the surest way to build wealth. Calling DCAing “market timing” contradicts the basic economic distinction between investing on a fixed schedule and making decisions based on expected price movements. OPs post history tells you everything you need to know

AntiqueProfessor5134

VOO and SPY are essentially the same thing, just a matter of branding. They both track the S and P 500 (a list of 500 large US companies, can think of as the 500 largest US companies). TQQQ as you said is 3x leveraged QQQ (Nasdaq). The Nasdaq is the tech index, so it is even more concentrated in tech compared to VOO/SPY. The S and P 500 is now also pretty heavy in tech, but there is a difference between say 40-50% tech and 100% tech. 3x leverage means TQQQ is designed to return roughly 3x the returns of the Nasdaq on a daily basis. This means if Nasdaq increases 2%, TQQQ should return a little under 6%. If Nasdaq drops 2%, TQQQ should also drop a little more then 6%. Because it is more difficult to return 3x as opposed to 1x, the fees for TQQQ are a bit higher, which is why the returns will not be exactly 6% of QQQ. My understanding is that leveraged ETFs besides from the inherent risk of being 3x returns, also are somewhat worse for long-term holding, due to math reasons that I haven't really looked into since they don't really appeal to me overall, but this article goes into some of them [https://www.investopedia.com/articles/investing/121515/why-3x-etfs-are-riskier-you-think.asp](https://www.investopedia.com/articles/investing/121515/why-3x-etfs-are-riskier-you-think.asp) I think honestly if your investment knowledge is such that you did know what TQQQ is, it is likely best to avoid leveraged ETFs. If you want to keep it simple VOO or SPY should do just fine.

Spiritual-Goat-8711

VOO and chill one i recover 60% of my money

Corianderchi

The point OP is making has nothing to do with what you bought. They are making the point that when major bear markets hit and shit gets real, you may not have the choice of just holding paper losses in whatever equity you bought (could be SPY or VOO). You might need to sell your holdings in order to pay for tangible things like your mortgage, food or or anything else you need to survive in the event you are laid off and no longer have an income stream. It's a valid point.

lowguns3

VOO up 7% YTD good job boys

ManBearPig_1983

I like VOO here…

I_work_too_much

My heavy investment into this shitcoin memestock called VOO have been going about as you would expect.

Shoganai_Hito

VOO and ~~chill~~ freak the fuck out

YardComprehensive215

Every day passes and VOO and chill is looking more and more like a better option. 

Informal_Bench_7219

Almost 2 months since VOO/SPY ATH. Definitely not looking good.

Spare-Friendship-917

Hey guys I just started investing a couple of months ago. I have a question that I'm hoping you guys could help with. Currently I have MAIN and VOO each getting 200 on pay day every other week in my Roth and SCHD also getting 200 on payday in my normal investment account. If I'm perfectly honest Im still new to this and playing with the ratios but I wanted to ask would it be better to swap VOO and SCHDs locations like VOO to my normal investment account and SCHD to join MAIN in my Roth? Any help would be greatly appreciated thanks!

SirGlass

Its so funny seeing trading subs talking about the dip and the bear market , VTI/VOO are like 2.5% off their ATHs?

hadtolaugh

I’m just tracking S&P500 via VOO. The other two are good as well if you want broader exposure in US (VTI) or Global market (VT) than S&P500 provides. I have a little of the others as well, I just trust the balancing of the S&P500 more than the others for regular buys.

FartPolluter

VOO and chill crew not getting that memory gang and bag 7 is their fucking vanguard. If they capitulate fucking Coca-Cola and Cadbury's chocolate not gonna step in and fill the 2.5 trillion vaccuum this build out could create

HaiKarate

VOO and chill

LuckyNum2222

Any reason why VOO over VTI or VT? Just curious if there’s a reasoning

DappledApples

If I could turn back time and start with $10,000 I would invest heavily in any index fund that tracks the S&P 500. I like SWPPX - it's cheaper than VOO. I would not buy crypto or single stocks, or invest in my friends "genius, guaranteed to work" business idea. I also would not get a new car (depreciating asset) with an expensive payment.

daygo449

If you just parked it in VOO at 20, and you let it grow without adding/removing anything, it would be worth $452K by the time you are 60. That’s without further investing, etc. without doing a darn thing. Add &50, $100, or more, and it goes up quite a bit.

BurnsinTX

Yes listen to this and don’t listen to any Wall Street bets or other stuff. At your age I picked 5 stocks. No ETFs, just individual stocks. One of those was NVDA, in 2009. You’d think I crushed the market returns, well guess what, even with NVDA in 2009 all my other picks after that lowered my total return to roughly 10% over the past 17 years. If I would have picked VT and chilled, it would have been the same result. For those others reading it I went big into marijuana stocks in like 2019 which killed my total returns. VT, VOO, whatever just hold and chill!

JohnnyBeBlazed

This right here. Park it in a stable index fund with low fees like VOO and let it ride.

bhope95

VOO and QQQM have serious overlap also there's no garuntee the US will continue to be the dominant player in 40 years. The US is already getting dominated by other markets. Yes individual stocks have more upside, but you'll suffer from volatility and some companies may go out of business. Your best bet like someone said is start a business or acquire skills that get you paid more. You can also look into factor investing as that carries compensated risk.

Plinystonic

(37m) Professional commodity trader, moonlight day-trader with my own money. Some lessons: You will never perfectly time the market. Diversification is good long term. If you bought the ATH on S&P or VOO for example every time in the last 20 years you’d be extremely happy today had you continued to contribute, buy & hold until today. As a degen gambler myself, I’ve employed some simple rules for individual stock picks: sell losers fast (Dont be attached to the trade, if it isn’t working how your analysis projected, get out immediately even if it means taking a loss) and last let your winners ride w/ trailing stops (taking profit is NEVER a bad thing) … I’ve lost more times than I’ve been right. But I am very principled in limiting losses and when I am right, my gains offset the bad picks. This is not for everyone. I have many sleepless nights, it requires active management, like it’s a second job for me basically. It has almost cost me a divorce. So, yes, you can swing the bat, but this is the disclaimer. Good luck and god speed 🫡

Wookiee27

If you actually want to be rich 15k in index funds will not cut it. VOO and QQQM are safe but not high growth. Recommend GOOGL, ASTS, RKLB and at these levels should hopefully outperform market in 5-10 years

Acceptable_Gas_7922

VOO is trading sideways or down, entire semi/tech market is getting fucked.

Phareswheel68

Yeah I know. I started getting confident. Not arrogant, but confident. I was up 20% at my peak and it had only been a few months. Now I'm down 5% at least, more after today. VOO is my next destination. Even if I make less money, it will be way better for my mental health.