VOO

nico_juro

So basically if I wanted to pay off my house at 3%< I'd be better off slamming money into VOO or something for 5 years and then withdrawal when I have the lump sum?

version-two

I like it tbh. At 29, the risk reward on that is solid for the next 6-12 months. Imo, Worst case you “lose” 5-10% (which I don’t believe will happen). Best case, that grows 25-100% probably. Otherwise, VOO/VTI/SPYM/etf x and chill…

tgaccione

Literally just put it in SPY/VOO and you’ll outperform almost everybody on average

churningaccount

Not generally. But the people losing money right now are hedge funds and gamblers. It's hilarious watching them lose money. If you are greedier than VOO and chill, then you are basically asking for it IMO. Imagine looking at +75% over the past 5 years and thinking "nah, I can do better than that."

Fapados

Just to clarify a few things: * You should compare indexes, not ETFs. We have historical data that goes way further back than the existence of ETFs. * S&P 500 has higher average returns than VWCE, but VWCE has better *risk adjusted returns* (balance between the returns and the volatility). Here's the historical data of S&P 500 vs. VWCE between 1970-2026: https://testfol.io/?s=7DX6cZyWEOO I suggest you turn on logarithmic scale, because it's much easier to see the differences that way. But returns are not everything. Currency risk a thing for non-US investors, and it's not something people talk about very often. American investors are completely fine investing into the S&P 500, because they earn in USD, invest in USD, spend in USD. Currency fluctuations don't affect them at all. But for us Europeans, it's kinda a big deal. If the USD becomes weaker (like it did in 2025), your investments will also be worth less, because you spend in EUR, not in USD. So VWCE is not only a way to diversify between stocks, but it also diversifies between various currencies. Other than that, markets are cyclical. If you look at the 2000-2010 period ([link](https://testfol.io/?s=6n1q01aLtyU)), you can see that the S&P 500 had a -8.78% overall return in that decade, while the global index had +17.01%. Between 1970-1990 ([link](https://testfol.io/?s=0bNMVaPssNM)), the S&P 500 had a 777% overall return, but the global index had 1153%. Of course, these are cherry picked examples, but it's just to demonstrate that something having a higher average returns over a long period of time doesn't mean that it's constantly going to outperform every single year or decade. TL;DR: "VOO and chill" is fine for Americans, but not fine for non-US investors. Pick VWCE (or WEBN if you're concerned about TER). Not because it has higher returns, but because it makes more sense.

lowguns3

There was never a bubble, this is normal market turbulence, if you love your family just buy VOO.

ThePurpleDongofTruth

VOO is less volatile FWIW

volckerwasright

Let me tell you about this up and coming operation called VOO. Ignore what your brokerage says, it actually stands for Very Organic Originals

Avexu

As of right now I am currently priced in at a fair stock value for both investments; ACB for MU being 582 and ACB for SMH being 501. So far I am up tremendously and see no need for withdrawing. If the market were to collapse due to the falters I would withdraw my gains as cash and hold onto it for the short term until the market re-corrects itself, then place my funds into VOO. If memory and semiconductors falter, the entire market will be affected I believe, so it would be wise to just hold onto liquidity at that point. As far as supply increases goes, it has been certified by numerous industry players that there is lack of supply and extreme demand for the next upcoming 4-5 Quarters. I don’t see it being an issue until the supply has caught up, which will take a couple years.

Exquisite-Load8654

VOO is up 9.26% on the year. And, up significantly more over the past several years.

tang-tw

My VOO and Schg ETFs hold a large amount of Apple stock.

Ok_Ambassador_4311

PLTR and VOO finally off the list today thank ze lord

jmardoxie

Consider Fidelity FXAIX . It performs very close to Vanguard ETF VOO.

tgaccione

We’ll be on Tahiti with our VOO and chill We just need a little more money

RaccoonVast8107

Thank you for all of your advice guys, I’ve decided I’ll go full VOO, for now with the possibility to include about 25% of QQQM in the future as well.

Audi52

That’s why I VOO and chill

InvestingNerd2020

VOO is a core ETF, so it need to be 50-80% off your portfolio. You can use QQQM to suppliment it at 20%. Even better, use XLK. 60% VOO and 40% XLK.

FoodCooker62

You expect VOO to do 12-16% yearly? That by itself is a  very, very optimistic assumption but at a time when Shiller p/e is at 41x.......? 

mikehoochie1234

Did my part and bought 100 bucks worth of VOO ur welcome

Isometric_exercises

Back to VOO and chill I guess. Going to take a nap now. 

oldbeancam

Genuinely might become a fucking VOO and chill Andy

CoatEnvironmental728

VOO and chill doesn’t seem to bad

itzfaint1397

everytime i think MU will hit the bottom, it bottoms more. VOO and chill for now I guess

Klutzy-Sea-4857

At 18 with a 10+ year horizon, VOO is the safer core. QQQM is solid but far more tech concentrated, making it more volatile.

Vast_Cricket

Here is how the underlying QQQM index performed during the correction years of 2000–2022: * **2000:** \-36.11% * **2001:** \-33.34% * **2002:** \-37.37% * **2011**\+3.38% * **2018**−0.13% * **2022**−32.52% During 2000-2002 few people stayed in stock market. Most w/d from their savings. These are all volatile tech stocks that have gravity. Having a portfolio of conservative, growth and income still applies to reduce that volatility. VOO 85% momentum comprises of just 7 tech stocks. Rest 500-7 cushions the index w 15% balance. The hottest event this year is AI this and that. Short on memory chips for the servers. Now not so sure. Check the spectacular evolution of Sndk, Mu stocks.

Brave_Yesterday_6106

80% on VOO and 20% on red.

Spicy__Urine

Just choose VOO or VTI it doesnt matter much

Warm_Frame_3913

VOO and chill might actually be the strat

bailuohao

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

Wings2493

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

booba2005

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

Superunknown999

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

planes01

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

citygeek

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

planes01

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

steady_compounder

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

Informal-Lime6396

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

FartPolluter

VOO_bull_never

Sagenitis

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

3dprintinted

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

Beautiful-Parsley-24

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

SoggyOutfield

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

Abject_Wish_3787

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

D_Pablo67

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

Aggressive-Donkey-10

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

Diokneesus

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

DemonLover_011235813

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

luxurychair

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

SophisticatedTurn

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

SophisticatedTurn

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

luxurychair

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

SophisticatedTurn

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

based_sturgis

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

plowt-kirn

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

rithsleeper

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

Sagenitis

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

SirGlass

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

spilledonwhite

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

SirGlass

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

taplar

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

LineMission1628

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

taplar

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

taplar

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

Dazzling-Ad7012

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

DandierChip

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

LineMission1628

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

CJBlueNorther

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

awana4

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

Wrong-Protection-188

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

trix_is_for_kids

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

CivilizedSteve

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

Dumb_Nuts

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

theNeumannArchitect

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

PinkthePantherLord

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

Low_Plastic363

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

YourChildhood5762

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

Rich-Possibility2954

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

Straight_Ad_87

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

FlatPlutoer

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

captain_waddy

Ignore your friends. Invest in VOO and chill.

James_the_bull_

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

Fun_Investment1101

Buying nothing but VOO and cocaine from now on

StockWireN

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

19kjc87

VOO and chill

Abject_Wish_3787

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

wedabest111

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

16fca

Reminder that VOO is still near ath

KittyLover-7

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

Salamanderfs

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

silver54

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

JamesLikesIt

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

oldbeancam

$ROPE son or VOO and chill daughter

spilledonwhite

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

Crazy_Reporter_7516

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

PalpateMe

Is it simply time for me to VOO and chill 😔

Kodexo1

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

dpatel211

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

Ill_Mastodon8324

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

visionarymind

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

Crazy_Reporter_7516

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