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While I prefer to trade, I've been looking into options for DCA as I have some friends who are more interested in that. Any thoughts?
I took a closer look at this portfolio and found quite a bit of overlap
I built an index of 198 Pokémon cards and ran it against the S&P 500 for a year. Cardboard won, until you try to sell it.
I built an index of 198 Pokémon cards and ran it against the S&P 500 for a year.
I built an index of 198 Pokémon cards and ran it against the S&P 500 for a year.
The Anthropic IPO isn't worth it for the average retail investor and why it isn't going to make you rich.
Drop your wild/fun ETF ideas then I'll automate them
Give me the stocks you’re bag holding (down 5 to 50%) that you still believe in and don’t regret (yet…)
Advice I wish I listened to early - don’t over complicate it
hmm...it seems the market may have dipped a bit.
I love all of you. That’s why I’m making this PSA to stop what you’re doing and DCA VOO now.
Where would you invest right now? Looking for genuine advice in this market.
Never thought my first 5 figure movement would be south but here we are
The stock market will prob crash now because I bought nearly 1million usd worth of VOO with my inheritance
Boo Hoo. I bought VOO. I put my toe in at the wrong time.
23M, just started investing. Is VTI really the best strategy, or am I missing out on better growth?
$5 Every Trading Day since April, Finally at 1 Share of VOO
What's been happening with the S&P 500 these past few days?
My trading regime (What is yours?)
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?
Mentions
Never ever trade again. Invest in VOO for the rest of your life. Just DCA VOO or QQQ and you will come back and laugh at this subreddit.
VOO is basically a low cost version of the S&P500. If you are new, don't try to chase fancy stocks or timing the market. Just DCA into one of those index funds for like forever and you will retire pretty wealthy
DCA into QQQ or VOO, especially if you are young. Don't listen to any other advice.
yep, ive been stockpilling VOO
No point splitting VTI and VOO it’s redundant. I would go with VTI for domestic and 60% and 40% in total international etf like VXUS. Having 40% VTI and 30% voo for diversification makes no sense as they pretty much have the same company’s and have historically tracked.
RSP+IQQ has about 24% major tech concentration compared to VOO with 36%. I think this is kinda cool, and swapping VT for VXUS is the play.
Yeah i'm looking into the concentration side of just VOO vs RSP+IQQ. honestly think im just tweeking on that, probably similar and VOO is just easer.
I think weighing VOO vs RSP+IQQ is a big question, thanks for pointing out the complexity
RSP and IQQ are essentially just instead of plain VOO, I'll run some tests and see if thats actually worth it, or if just holding VOO instead of RSP and IQQ is better.
Why is overlap a problem? If my portfolio has VOO and I buy more VOO that is 100% overlap. That is no different than having VOO and buying the near equivalent SPY. That is the same 100% overlap. What counts is the combined asset allocation —— when you look at the whole portfolio does it have the overall total mix of assets that you want it to have. The specific mix of securities you choose to get that overall allocation is not very important.
Do something basic like VOO, and if you want to overweight some MAG 7 stocks of your liking and are willing to pay attention to, go for it.
> He's learning. How did you learn to trade? I'm being serious, the "experts" certainly can't agree on what nvda is going to do. How is op supposed to figure it out? If you're actually looking to invest, buy VOO or VT and sit on it for 30 years. That's the only real winning strategy aside from high-frequency zero-risk arbitrage. Even institutions and hedge funds have trouble beating the market over the short term and find it nearly impossible in the long term. If you want to gamble, buy 0DTE options based on vibes and pray you stay solvent long enough to win the lottery.
I bought VOO so I am anti-christ bc of owning Palantir stock
Depends on the goal. I have a sizable position in JEPI that I use to grow the rest of my portfolio faster than I could otherwise. I borrow money to buy 50% JEPI, 50% VOO and let the JEPI pay off the loan. Its worked great so far (until it doesn't, but my losses will be minimal)
I can give one example of how that isn’t a fact - me. I had a windfall and DCA’d it into VOO during COVID which made me way more money than if I dumped it all in at the top. There is rational to watching 7 figures in my case drop 30-% vs buying deals on the way down. It’s not as cut and dry for windfalls as ‘lump sum beats DCA’ - but OP’s savings isn’t that much. However OP is obviously scared of the markets . So DCA can help overcome it and possibly come out ahead if we plunge into a major correction or depression. And if it’s ATHs from here OP will still be OK.
Yeah, sell it all and put it all in VOO
1) Pay off high-interest debt 2) Build up a 3-6 month emergency fund and keep it in a HYSA where it will at least keep up with inflation. (It is possible you may not be able to invest your $12k at all if it doesn't cover the emergency fund) 3) Invest 15-25% of gross in VOO or VT. There may/will be long periods where you're in the red. That's okay. That's what the emergency fund is there for. It will go back up, it just takes time. This will be money you leave there for decades.
I personally prefer S&P500 but given that he is risk averse I recommended VT for more global diversification. I’d say VOO > VTI > VT for me but I have a high risk tolerance with my income. If he wanted to be maximally risk averse I’d say something like 80% VT 20% SGOV but in his late 20s that’s crazy imo
VOO and SPY duplicating almost the same exposure is worth knowing, but selling everything just to make the portfolio look cleaner could create an unnecessary tax bill. I'd redirect new contributions first and separate money needed for the car. That's how I think about keeping moon outside my longer term holdings too. Different financial goals deserve different pools of capital.
Not worried about it man. I’m just in VOO and chill right now and I’m only 32 so I got a while.
This is why I buy heavy VOO
VOO under $700 is a buying opportunity. What it also is, is it’s pissing me off
Fuck the regulatory and financial landscapes are really tightening up. I wouldn’t even own VOO right now
More like VOO and panic
What's the best VOO bottom guess for today?
I have never held a VOO position that was positive. What kind of shit luck is that?
VOO and chill. Run it through AI models seeing how it would’ve performed all throughout history and even a risk averse person should be ok with it.
My friend invests into real estate and VOO, should I teach him about r/wsb?
first, SPY and VOO are essentially the same (although they have different fees). in percentages, you have about 72 VOO 15 SCHG 13 VT. we can run this in portfolio visualizer and find it is not much different than 87 VOO 13 VT in terms of IT and communications concentraton. conclusion: do nothing.
So invest in VOO or SPYM. Are you allowed to invest in those while in Japan?
If you're considering SPYI specifically, then wait and only sell/convert when you're sure you're going to make the move; after you've got your new remote jobs and are sure you're going to do this and have an exact number on how much money you'll actually want as income from your portfolio. SPYI is just the S&P 500 with covered call options, so it has the exact same downside risk as VOO but less price appreciation opportunity.
Bought the VOO dip at 672. Good move?
If you need cash; sell stocks. Dividends are just a forced sale. A dividend is a tax drag and a performance drag. You’ll have more money, and more money to sell, by focusing on total return. Dividends haven’t been a useful investing tool for over a decade so I’m really not sure why you think this is a good idea. Ben Felix has videos on this or you can read Miller & Modigliani dividend irrelevance theory. Also, you own VTI and VOO? That’s redundant. And “Growth” doesn’t mean something makes your portfolio grow. What exactly do your portfolios look like?
We're both broke college students. He spent 4.6 Gs on the trade. I even pulled out of the VOO because I'm too scared of the bubble popping.
I mean do some research. I think VOO is pretty risk averse. There are etfs that literally do the whole stock market. I’m pretty sure you could make more from CDs or T bills as well. I’m in my late 20s as well and recently had a lot of my net worth in HYSA’s. It’s nice, \~4% and liquid. I also max out my ROTH, HSA, and then company match plus extra on my 401k. So I feel like we have similar mentalities here in terms of saving. My perspective changed because honestly at our age, losing money isn’t the end of the world, adding marginally more risk but a lot more compounding is a risk worth taking. And we’re looking at a 30+ year outlook where historically, at any period, I’m pretty sure the s&p 500 beats out an annual increase of 4%. If you can’t get past investing in the market there, I’d atleast look into dividend stocks and see if there are any high dividend stocks that you can continue to reinvest your money into.
Your risk aversion will cost you $millions if you don’t start investing now. Heck, it already has. Open a brokerage account and buy something called “VOO”. Keep buying it forever, and you will be rich.
I’d say it’s riskier to not invest. My E\*Trade says I invested $90K and it’s now worth $304K. I started investing in 2016? I’m not sure. I haven’t always made the best decisions and this isn’t including what I’ve cashed out on. Both wins and losses. But I wouldn’t have made that a cursory search says it would be worth about $111K since 2016. And that’s assuming I dumped it all in in 2016. Which isn’t what happened. Granted I got the benefit of AMZN and GOOGL popping off since 2016. But still. I didn’t make much in 2015. Prob $37K a year. I still don’t make a lot. $89K? Only way I have $600K is from investing. I’m not bragging bc I have way less than many people. But I always tell people to invest. Be safe and just VOO if you want. Keep an emergency fund. But invest.
if you were in your 60-70s and retired then it would be ok. But in your 20s it has a serious opportunity cost. So unless you are planning to buy a house in the next couple years that money should be in the market. Based on what you said I'd suggest keepingno more than 3-6 months worth of expenses (or no more than 50k) in the HYSA andput the rest in something like VOO Just to put some numbers to it: The top HYSA rates right now are earning about 4%. So on 250k you will make about 10k this year. That same money sitting in VOO would have made 10% so far this year. So 25K. That is more than double. Do that math for the next 20, 30,, 40 years or more and you are giving up potemtially a million dollars or more by simply being stubborn and scared. Plus HYSAs are variable rates so when rates go back down, so will your returns.. And while the market does bounce up and down form day to day and month to month it trends up over time which is defintely not the case for HYSAs.
My fiancée is the same, I’m trying to convince her to invest her cash in broad market funds outside of just her retirement accounts. Pick a broad market fund like VOO and maintain your HYSA at a level you prefer
When we see you tomorrow-make the best brag post of all time (just a suggestion but please follow exactly and you will thank me later in life or likely immediately). Buy VOO, VXUS, and JEPI for some income or SCHD if you don’t like covered calls. Do this with all except what you need for taxes. You now have a portfolio that provides growth and income for the rest of your life. If you feel tempted to gamble again save up 6k from the portfolios income and try it again (this is optional). Set yourself up now bro, you win. Don’t listen to any idiot trying to te you to turn it into 10 million +. Congrats. Follow the above steps and avoid the psychological pain of continuing down this road. Nice job.
Money for 6 months' costs in an emergency fund, money you might need over 5 years in an HYSA, anything longer than that you can put into a low-cost index for the long term like the S&P or VOO. Congrats on your financial well-being and excellent income.
Dollar cost average. Put $500 in VOO a week on auto investing. If thats too much do $250 (would take 13 years to put it all in). Just start you wont miss the $ or regret starting now.
What is it with commie losers being in investing subs Just put your $20 in VOO and move along
The S&P is up almost 250% in the last 10 years. You would have a lot more than $250K if you’d just been putting it in VOO or something similar.
VOO and don't look at it for 10 years
Actually no exposure except VOO and equal-weight RSP. I'm just stuck on the boat with everyone else.
\>but seriously what inside your mind was telling you to take risky bets at that net worth instead of VOO and chill? https://preview.redd.it/mk24b1ws591i1.png?width=543&format=png&auto=webp&s=1f7a1c76e9df3a6e05d5b322be04e552e6d0d16e
I’ve never had anywhere close to that money but seriously what inside your mind was telling you to take risky bets at that net worth instead of VOO and chill? Where your cash would essentially double every 7 or so years?
hes not a part of nvidia anymore, who cares. this is the stock market community bro not the billionaire pop culture group lol. sorry you never got into nvidia and want it to crash. just buy VOO you not made for this
I got 69k liquid boys, am I throwing it into NVDA, LUNR or VOO
Just traded $25k worth of VOO for NVDA in my 401k.
My only regret is that I didn't dump my full cash position into VOO when it was sub 680. Congrats to all dip buyers.
Buy VOO and get back to work lil bro
I don't know how people manage to follow all these rollercoaster news and don't just own VOO
VOO no likey. Dumping hard premarket
Equal weighted S&P looking better than SPY and VOO rn
1m is nice but the goal is 10m+. Don’t lose what you have along the way. Assuming VOO continues to perform at historic levels, if you 100% into that you will hit 10m in 17yrs. Selling covered calls is also pretty nice and safe profit depending on what it’s in.
DCA’ing into VOO for 20 years has made me rich. Never try to catch a falling knife. Cheers! 🥂
Hello! Any advice for someone on the younger side? I’m 19 in college and do some small investing using the SOFI app. Just trying to make sure I invest long term safely. Biggest risks I’ve taken are putting a little money into the current nvidia dip, and did some early investing into the company behind gta 6 (which is actually paying off nicely) Currently I try to put money into VOO when I can, and have a little in QQQM. I’m not sure if it’s worth continuing with QQQM.
I'm unfamiliar with IBKR but they appear to be an online brokerage that also offers active management. Use whatever brokerage you like for that account (note you should typically fill the brokerage "cup" AFTER you've hit your annual 401k and IRA contribution limits). HOWEVER: Regardless of which brokerage you use--never, ever pay ANYONE to actively manage your funds and select your stocks and index funds. You will ultimately be paying someone tens or hundreds of thousands of dollars to LOSE money relative to what you would have had if you had just left it in a low-fee, broad, market-tracking index fund like VOO or VT. If you ever win the lottery or come into a large inheritance or need some advice about how to structure your tax-planning in retirement, paying a few hundred bucks for a no-fee fiduciary advisor can make sense. But as you build your nest egg, simply follow the Boglehead principles and you'll come out ahead of the advisor who wants to buy a summer cottage with the fees he took from his clients he lost money for. 98% of actively-managed funds lose to the market as a whole. Why pay for those odds?
Just put it into VOO and go to sleep.
Tomorrow semi crash day, software spike day $QQQ $SPY $VOO
NVDA is about 8% of SPY/VOO Major dump tomorrow fuck this guy
HOLY SHIT. I fucking dumped all my VOO today and bought NVIDA. $35k worth, at 11am, cuz obviously NVDA was on sale and would bounce back. At 11:26 AM I said fuck this I'm scared, I'm out and sold it. SO glad I did that. Paper hand saved my ass hahaha.
I was thinking about unloading more of it but held on until the new year to reset the taxes so that sucks. But earlier in the year I reduced my NVA from 950 shares to 350, so still happy I did that (still have a lot of stuff like VOO and FTEC where NVDA is a major component though).
It's consistently the #1-2 market cap, so everyone holding VOO/VTI/pretty much any US stock fund is holding the bag too
VOO AND CHILL PEOPLE FINDING OUT 10% OF THEIR MONEY TIED TO ONE CHINESE MAN’S WIENER….. again.
now please switch to VOO and never look back
Thank you for that. I’ll read more on it. I have cash to invest in and have ETFS’ like VOO I need to read up on other ones and what options are lmao
please, just put the money into SPYI, VOO, VWCE, whatever and never ever gamble it or buy any options anymore.
That line is definition of "stonks up" 😂 Please, park at least half in VOO and chill. I know you're still gonna be a degenerate. At least you're playing with house money now.
I put $110,000 in O realty. $240,000 in SCHD and 185,000 into VOO. I also set aside $200,000 into my US Bank Platinum business money market account earning 3.8% interest annually.
You can literally retire on this. Pay your 300k in taxes and invest the rest in VOO.
https://preview.redd.it/tgfc1pohi11i1.png?width=493&format=png&auto=webp&s=06002bde3b72c1917549e1883709e264ffea71b7 tbf it has been dropping for years, VOO etc stealing the cherry
Congrats! Now invest in VT/VTI/VOO. Don't gamble and throw it away
I’m BEGGING you, pay the taxes, put the remaining amount in a safe S&P 500 ETF like VOO, maybe a little dividend like SCHD, then keep trading with a TINY amount. Thats life changing money, preserve it, and just start over trading small
Congrats let me say the only thing that you deserve, Fuck you( Please throw at least 90% in VOO or some safe ETF and if you want gamble with the rest, please)
When Lambo OP?[Forget VOO, when Lambo OP?](https://youtu.be/0H4a_lHANYI?t=14)
What is the rational case for being a bear when retail investors literally buy $VOO every 2 weeks like clockwork 🤔
It’s mostly VOO and QQQ
buy some shares of VOO in fidelity and dont look at it for a year
VOO is a big winner here in that post! see you in 25! :)
many recommend VOO, and seems I should invest in... it seems it is safer for beginners
Easiest is VOO. Why try to beat the market? Odds are against you.
We are in a trading range between the highs and lows of the Nov 5th post election day bloodbath selloff. If you look at that day's candle, the indices are trying to retest that day's open which was the high of the day. Now we will likely get rejected once the indices reach that day's open. Why would this be surprising? The market has been in a trading range between the highs and lows of that selloff. Now I am just watching the price action of indices $VTI, $VOO, $VT, and $VXUS.
Believe me I've thought of bailing, especially last week, but moving to something like VTI or even VOO could take me longer to get back what I've dropped. I'll roll the dice and hope SPMO gets me back to whole in a quicker timeframe. Then I will reduce my exposure to it and move into something like VTI or VOO that will not swing so wildly. I think a 15% portfolio exposure to momentum is more reasonable than the 45% I currently have in my Roth. I am banking on AI not going away and the tech sector continuing to grow.
DCA’ing into VOO for the past 20 years has made me rich. Cheers! 🥂
Investing and reinvesting into VOO for the past 20 years has made me rich. Enjoy your day! 🥂
Let me simplify it for you since you don’t seem to understand the basics. - VOO 3 months ago: 708-714 - VOO right now: 689-696 Is that up or down?
That's also safe - for the masses. Because that VOO would hold Yahoo *and* Google. The question is: do you want to be like the masses? Or more precisely: get the same return like the masses? It's fine if you do, VOO on the long term does better than 99% of invidual investors. But we're regards. And if you want a better return than the masses, you have to do something different than the masses. Not everyone who does, succeeds. Far from it. But the ones that do are all part of the 1%.
Buying VOO for exposure on the exposure
If you below 30, all in on anything, if above 30, DCA QQQ OR VOO