VOO

srfdriver99

So the usual portfolio structure is to have a "core" that represents 40-80% of your holdings and a "tilt" towards various other things to diversify further or to make a bet on some category. VOO/QQM are reasonable cores. This is fine. You said in the thread you have a personal business that you're trying to grow. **That** is your aggressive "tilt". There is no reason to make a single-stock bet. Your single-stock bet is YOUR OWN BUSINESS. Full stop. If you want to diversify your holdings in your portfolio, there are various reasonable categories: * International businesses (hedge against American downturn) * Bonds (as a portfolio stabilizer) * Precious metals (another portfolio stabilizer) * Sector ETFs for an industry that your own company's not in, as a way to tilt _away_ from that sector in your portfolio at large. * Low-volatility, dividend-oriented, or defensive tilts such as consumer staples, utilities, and REITs. But aggressive picking? If you're going to bet on anyone, bet on yourself.

FuckleUp

VOO is a boomer time warp

Airizom

I had $125,000 in VOO and $25,000 in intel; that “small” intel position made my total portfolio go down 9% completely mogging VOO

SohndesRheins

Sell everything, buy VOO, add no additional money, retire at age 62 with $4.8M in inflation-adjusted dollars.

Yuri_CPL

ill buy VOO and chill why did i get into that memory shit

Fitasianwife

I know everyone knows this but the term wealthy is not defined here or in the comments. My 12 yr old thinks $1000 is wealthy-my wife born in a village in china thinks $10m os wealthy. Steady to an etf like VOO, or others, makes sense even in lost decades like the 90’s. You will achieve in the end.

UniqueAd1152

First build up your VOO and QQQM to around 100k. That is your foundation. Then depending on your risk start investing in individual stocks. Simple way is to save up and buy MAGS when they retrace to their 50,100, 200 moving averages. If your risk tolerance is more you can pick high beta stocks , but it has to be a small percent of your entire portfolio. But you have to he watching them, take profits, cut losses accordingly. Learn some technical analysis

brown-ale

Risk vs Reward. Single stocks can be great but a reminder that there's no crying in the casino. ETFs like VOO, VTI or even VT should be your foundation (say 50-90% of your portfolio, depending on your situation)

hadtolaugh

Still an obvious buy IMO. That and VOO are my only weekly automated buys.

Vilgan

Losing 3k when you are 23 and living from home with low income really hurts. I'm sorry that you experienced this. Hopefully in the long term this will be a lesson that will provide long term benefit. When you are young, the common advice is the following: 1) Invest in yourself. Education. Skills. Training. Anything to move up the ladder faster or pivot to a higher paying job. 2) Extra money goes first to an emergency fund. Think high yield savings until you have about 3-6 months expenses. 3) Assuming debt is paid off, invest the rest in VOO. Spend your mental time/energy/effort etc on growing, learning, relationships, career, etc. Making x% on a small amount of money is relatively low return on investment. You can just make whatever VOO makes and invest your time/energy in things that will be WAY better in the long run.

Vilgan

Losing 3k when you are 23 and living from home with low income really hurts. I'm sorry that you experienced this. Hopefully in the long term this will be a lesson that will provide long term benefit. When you are young, the common advice is the following: 1) Invest in yourself. Education. Skills. Training. Anything to move up the ladder faster or pivot to a higher paying job. 2) Extra money goes first to an emergency fund. Think high yield savings until you have about 3-6 months expenses. 3) Assuming debt is paid off, invest the rest in VOO. Spend your mental time/energy/effort etc on growing, learning, relationships, career, etc. Making x% on a small amount of money is relatively low return on investment. You can just make whatever VOO makes and invest your time/energy in things that will be WAY better in the long run.

Fitasianwife

Why don’t you buy VOO and QQQM forever and listen to no one, including me. I’ve lived through up’s and down’s, lost decades, 18% mortgages, and getting $20m, is doable in a lifetime-don’t get a divorce!

Gain_Spirited

I'm 61 and started investing in my early 20's. Every time I tried something risky I might have been happy for a while but I eventually got burned. I would have a much bigger portfolio right now if all I did was put it in index funds like VOO and QQQM. So my advice to you is to keep loading up on those index funds. They will give you the best return in the long run and you don't have to think about it.

therealjerseytom

> I keep hearing people say that if you want to become seriously wealthy, you need to pick individual stocks and that ETFs won’t get you there. Who's telling you that, and what do they know? With regard to risk, even if you're not looking for "the next NVIDIA", you can experience **complete and total loss of your investment.** It's no joke. Even big, established, household-name companies. They can still exist after a major economic calamity or financial struggle, like after bankruptcy restructuring, and you can be left *completely wiped out.* So that's one risk. You also have the very real risk of doing a shit job of picking companies, and you underperform the index - this is what happens with most people. > I’m mainly wondering whether I’m being too conservative by sticking with VOO/QQQM at my age. There is absolutely nothing conservative about this. Up until *very recently*, to be 100% equities would practically be wildly reckless at any age. There's a lot of recency bias for anyone under 35-40 who have been living in the easy money era of US stocks been a rocket ship.

Finance_EssentialsAR

22 with 15000 in VOO and QQQM, contributing regularly is not "too conservative"; you are already ahead of most people with that The whole "you need to invest in individual stocks to get rich" is a meme, because most people, even those who invested in individual stocks, made their money by buying the next NVIDIA before it went to 800$, but they also could've bought the stock that failed to deliver anything and just stagnated for a decade. VOO, QQQM, and other indexes already include all the companies that will deliver the most profit, including the future NVIDIA, but without risking nearly as much money into the failed experiments. About individual stocks: most people who have long-term investments in individual company stocks usually buy some as a part of their index funds, in much smaller proportions, because it's really hard to estimate how much you can lose if the company goes to 0$ (which will happen to most of those stocks) and how much you can make if the company does well enough. It's less of a question of "how much can I earn?" and more of "can I really risk this amount of money on this particular company?" Nothing wrong with staying 100% index funds either. "Get rich slowly and reliably" beats "swing for the fences and maybe get unlucky" for most people, especially this early when time in the market is doing most of the heavy lifting. If you want to see that play out with real numbers instead of just taking my  word for it, I built a compound interest calculator that lets you plug in your own contribution and timeline: finance-essentials.com/calculators/compound-interest. Watching what an extra 5 -10 years does to the ending number is honestly more convincing than any stock pick argument.

Muy_Division

With only VOO and QQQM, you’re very overweight tech and com services. It’s probably fine since you’re young, but personally I’d add some small and mid cap, as well as international equities. We’ve been in a long running bull market but there’s been some rotation happening lately, where small caps, large cap value, healthcare, financials etc have been outperforming large cap growth (VOO is considered a large blend but since it’s market cap weighted, it tilts towards growth, and QQQM is explicitly large growth ex-financials).

IputSwitchesOnGlocks

Save yourself and just buy VOO, VOOG,QQQ or QQQM. Don’t overthink it bro. Why buy anything other than the s&p

AetossThePaladin

VOO and QQQM is a classic combo, you will be fine long term. Market fluctuations are normal.

Cruian

>mostly in VOO and QQQM On including QQQ(M): Remember this has heavy overlap (over 80% by count last I checked) with the S&P 500 or US total market. **Look only at the inclusion criteria, not past returns** (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense. What about international? >I keep hearing people say that if you want to become seriously wealthy, you need to pick individual stocks and that ETFs won’t get you there 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. (Bonus extra on that last bullet: single country is an uncompensated risk) How many people try individual stocks and end up "failing," at least compared to broad coverage index funds? >I’m mainly wondering whether I’m being too conservative by sticking with VOO/QQQM at my age. 100% stocks is not conservative, but you are taking on some uncompensated risks and likely leaving out some compensated risks.

Serratix

You will do VERY well with VOO/QQQM Single stocks are more so a bet, they can do amazing, but they can just as easily do horribly, or the entire company can go under. I would advise doing at least 80% in ETFs and then maybe 10-20% in individual stocks if anything

__redruM

What point are you trying to make. Yes most of the Mag7 will still be around and certainly in VOO. But it’s hard to imagine TSLA standing the test of time. And certainly 3-5 new companies will be added and pushing companies like TSLA off.

giraffe_wrassler

“Oh maybe this is just his fun/yolo portfolio and he has 95% of his money in VOO somewhere” thinks the lady on the 1-800 number when I’m calling about an error on 1/ my 4 accounts

Lordblack1400

If you own VOO you can get drunk mid day and pass out then wake up not tripping on the market

Czyzzle

buy VOO shares and stop trading

ErrorOwn4622

Hi not exactly sure what you're asking but I just added the following at the end of the post >**How will this analysis impact how I approach IPO Access?** I've tried to participate in three Robinhood IPOs: 1. Robinhood ($HOOD): requested and received \~40 shares. Still hold it (+149%) which has outperformed the sell after day 31 and buy VOO strategy (+80%) 2. Expensify ($EXFY): requested 180 shares, received 0 luckily since it has been a dog (-93%) 3. Figma ($FIG): requested 500 shares, got \~60. Should have cashed out for a +98% profit on day 31 but held it and ended up breaking up with it about a week ago for 35% loss. After digging into these numbers, I plan to buy select IPO access stocks that I think could do well but unless I really understand the business and believe in the valuation at day 31, I will sell. For example, with Figma, I've never used the product and don't have enough expertise to justify holding that over VOO. IPO Access has just been fun money for me. The majority of my investments are VOO, some VXUS, individual big tech stocks, and t-bills. If I was smarter I'd just stick with VOO + VXUS for equities.

MakeASpreadsheet

I’ll be holding MSFT for the next 19 years, at a minimum. I don’t sell stock. I buy and hold. I also only buy Google, Microsoft, and VOO. For me it’s less than 5% of my portfolio, so I don’t mind the “gamble”. But I think it’ll work out.

Haywood04

Investing in the stock market isn't meant for "income" until you are nearing retirement. You're gambling, and losing. Hopefully you have learned some lessons. I'd argue there is nothing wrong with taking a little extra risk and messing around with a small position in some individual stocks or sector ETFs while you're young, but you shouldn't be messing with options. Options are basically pure gambling where you don't even know the odds. Sounds like you still have somewhere around $20k in your retirement accounts, which is good. Hopefully those are in simple index funds, and not individual stocks or crazy ETFs. ***That $3k isn't life-changing money today, but it could have grown to nearly $200k by retirement if you had just left it something like 75% VOO & 25% VXUS...*** [Here is a link](https://www.calculator.net/investment-calculator.html?ctype=endamount&ctargetamountv=1%2C000%2C000&cstartingprinciplev=3%2C000&cyearsv=42&cinterestratev=10&ccompound=quarterly&ccontributeamountv=0&cadditionat1=end&ciadditionat1=monthly&printit=0&x=Calculate#calresult) showing what you lost in retirement by gambling that $3k today. The fact that you are so young means you can take the simple approach of just invest in the market and be fine, honestly better than fine. It doesn't require using risky options, or gambling on individual stocks at all. Just keep things consistent and simple.

I_work_too_much

VOO

Disheveled_Politico

Learn that gambling is really dangerous. Don’t do risky trading, don’t put money on the Jets to win the Super Bowl, stay away from prediction markets. Put the Roth and the 401k in VOO or Google or something smart. 

danceswithsteers

Until you *know* you know better, just chunk it all into a broad-market ETF (VOO, IVV, VTI, etc.) set it up to reinvest dividends and forget about it for a while.

neurone214

I think your very first question of your first post was the right one “what are these actually worth?”   I’m a professional investor (in a specific industry) and this is far and away what retail most consistently misses. There’s no rigor, no valuation analysis, it’s all just following trends around hype trades. I can’t blame people because it’s hard work and if you’ve got a day job then it’s unlikely you have the time to do it. It’s just annoying when instead of just admitting they either can’t, won’t, or don’t have the time to do the work, they start blaming these shadowy forces trying to keep them down.  For clarity, this is what I’m reacting to here. I do think most people should be in VOO or some kind of index fund. As a case in point, outside of a pure quant strategy I run on the side, and individual companies I invest in at work, I’m just in ETFs because I know I don’t have the time to diligence a company or run a valuation analysis outside of that. But that’s an active decision; I don’t think big brother is making me do that, or something. 

NAVChaser

My 401k is 90% VOO and 20% SGOV. My Robinhood account was all ignorance. That's why I sold it all

Acroninja

Just buy VOO regularly, set it and forget it. That 3k will be a drop in the bucket and you won’t even care in 20 years

YardComprehensive215

VOO and chill seems like a better  plan 

jrex035

How does anyone trust their money with that woman. Just one terrible decision after another. ARKK is down 41% over the past 5 years despite QQQ being up 85% and VOO being up 68%

TreGet234

VOO and chill supremacy.

youngsimba320

Maybe it was VOO and chill all along

whatdis321

VOO appreciated 68% past 60mo, which is ~11% CAGR. So, that’s still $150K, but a pullback fueled by rampant AI capex is still possible, so relying on that income could turn sour.

MangoAtrocity

$VOO has done 16.3% over the 12mo window. $1.5m at 16% is $240k. The Qs are doing even better. 93% over the 60mo. A tasty $200k/yr is totally doable. Idk where you’re getting half.

Good_Ride_2508

No one knows until after the fact. Only way to get benefits of dips is to DCA when market pulls back certain percentage, says 5% drop, whatever money you have, buy VOO/SPY. Better is buy periodically say weekly or monthly , no major difference over a long hold say 10+ years

DaveFoSrs

Go get a fidelity account and park it in VOO or something brain dead. You’ve won but you have a propensity to lose even after you’ve won from what I can tell. Congrats but seriously just take your W and gtfo

MangoAtrocity

Pull out of Robinhood, open a Schwab account, and park it in VOO. You now have a passive $200k annual income. Happy for you.

americanmuscle1988

If you could do it all over knowing what you know now, would you have invested in VOO instead?

NineSidedBox

I’m glad I went with SCHD too, also holding VOO and VXUS. Can’t wait to get fully out of my individual stocks, and just keep it simple with those 3.

RaptorKing95

VOO bull here. I couldn’t agree more

GMVexst

"*Now, don't run off making assumptions on what I said, there is nothing wrong with VT, VTI, but there is also nothing wrong with VOO.*"

GMVexst

No. You are confusing safer with better. They are different. And while diversification is considered a good thing, over diversification is real and there is diminishing returns after a certain point. Now, don't run off making assumptions on what I said, there is nothing wrong with VT, VTI, but there is also nothing wrong with VOO. At the same time - the S&P 500 has performed significantly better than Total World over the last 30 years. And sure that could change any day, however it's quite ignorant to assume more diversification is always better when VOO is already diversified and also statistically much better.

Fit-Engineer8778

VOO, SPYM, QQQM, SCHD. Take your pick

D_Pablo67

Dollar cost averaging into VTI is fine. I also like VOO and QQQ. The key is to invest on a schedule instead of lump sums once a year to limit the impact of market volatility.

ContributorKid

Anyone planning to invest in VOO and VTA kind of funds should be prepared for a zero return over the next five years. You will experience gains and losses, but in five years, it will be zero or negative.

Any_Influence_8305

Wow what a reality check, those VOO and chill dudes are onto something. Cashed out and put it all in SPY Is what I'd say if I wasn't an absolute degenerate regard who belongs here

HugeAd5056

You’re 18. Stop gambling away thousands and learn to buy and hold index ETFs like SPY, VOO, and QQQ, or the international equivalents.

jigmepalmo

Yeah, doesn't matter much. They are both market-cap weighted so you're just getting a teeny tiny diversification of smaller companies with VTI compared to VOO.

YourChildhood5762

Equal weight S&P is outperforming VOO this year. If you were going broad, that was the place to be. Coming into it mid-year may produce different results though.

BeneficialLychee4380

Just throw it in VOO

Snoo_4496

may b the VOO and chill guys r right

SherbertMindless8205

This is the best thing that could have happened to you. Better to lose 4k at 18 and see it as the price of a lesson, than it be your kids college fund at 35. Everyone has to burn themselves, it's the only way to learn. Now go set up a monthly automated deposit into VOO and don't look at it for a couple years, go live your life, you'll thank yourself later.

B00marangTrotter

Someone worked hard for that money to give you a leg up, don't squander it. Your brain cannot calculate risk properly, that part isn't even fully functional yet. Passively invest in an index ETF like VOO and never gamble. https://preview.redd.it/6vnff9v319fh1.jpeg?width=1080&format=pjpg&auto=webp&s=acb43c67d7f02ea7a9cd5de1ac37522834ebb381

Competitive-Water944

The VOO and chill crowd would be in shambles with three down years in a row

vijay_the_messanger

SWPPX at ~$20. Serious answer. I buy SWPPX every week. And I already have a SPY and VOO position. (Started buying SPY, switched to VOO after i found the ER was lower, then switched to SWPPX since I'm with Schwab and it's even lower ER)

vijay_the_messanger

But what if OP gets hit BY a tank that has the letters VOO painted across it the day after yesterday?? See? THESE are the questions :-| LOL. sorry, couldn't resist.

edoceo

Check out the sub called Personal Finance. They will tell you the steps are basically: staring with HYSA -- High Yield Savings for the close-to-you-liquid-assets. And then pick your favourite broker and purchase some VOO, VT, VTI which are vanguard index funds. Stuff your money and your grandfathers money in there and then let it mature.

i_empathetic

This is why VOO and chill is popular. You're not as diversified as the index. How many industrials, energy, and healthcare stocks ya got?

VoidMageZero

Not too late imo, was thinking about switching VOO to RSP

Far_Land7215

Yup just invest 15% or whatever extra you have from each paycheck into VOO or something each week and never look at it until you retire or are about to become homeless.

Jenn2895

$5k-$10k is rough in 60s. But it’s a start. He/You are going to need to take on some risk to turn that amount into something meaningful. But this is your Gpa so you need to make sure it’s a conservative risk. I would throw it all into Chainlink, $Link & set a sell order for around $80. When that goes through move the $50k-$100k into something like VOO or JepQ.

FrenchFryNinja

Yeah. With the recent news I’m glad I went 60% VTI and 30% VOO

Informal-Lime6396

VOO: https://investor.vanguard.com/investment-products/etfs/profile/voo#portfolio-composition, check out the holdings and exposure diagram QQQM: https://www.invesco.com/us/en/financial-products/etfs/invesco-nasdaq-100-etf.html#Portfolio, see the holdings Buying these 2 are a good idea. Use https://testfol.io/ to back test what you would've gotten in the past 10-20 years to get a rough idea what the future ***can*** look like. Here are some other tickers worth looking at: * VGT * SOXX (or SMH) * VXUS * VT * VOOG

Stock_Cake_5889

So I've been putting small amounts into fractional shares for a few months, mostly just buying whatever looked good that week, and I finally sat down and looked at what I actually own. It's a mess. (side note: I am using Robinhood) **Current holdings:** |Ticker|Shares|Price|Value|%| |:-|:-|:-|:-|:-| |SMH|0.127803|$578.79|$73.97|31.1%| |QQQ|0.0992|$691.67|$68.61|28.9%| |VTI|0.081257|$365.11|$29.67|12.5%| |SCHD|0.762104|$32.83|$25.02|10.5%| |SPY|0.026723|$738.97|$19.75|8.3%| |VOO|0.021806|$679.23|$14.81|6.2%| |NVDA|0.02824|$207.18|$5.85|2.5%| |**Total**|||**$237.68**|**100%**| I'm fine taking on a moderate amount, I'm not trying to be super conservative at my age. But I also don't want the whole account riding on semiconductors. I'd like most of it to be something boring and steady with a smaller portion that has more upside. What do I keep? What do I drop? What should I buy? Any input is appreciated. I plan on putting in $50 a month, and $1000 next month.

Key_Lifeguard_8659

50% VOO, 25% AVUV, 25% VXUS, That's all you need.

Zestyclose_Panda_886

VOO and chill. Be realistic on what only 10 years of gains can give you instead of 40 years, like a 27 year old.

DoinIt4DaShorteez

If he has wages, the best thing for him to do as far as actually investing would be to: Open a a regular brokerage account and a Roth IRA with Fidelity or whoever. Put $8,600 into the Roth immediately. Buy 40% VOO etf, 30% BND etf, 30% SGOV etf. Put the rest into the regular brokerage account and buy SGOV with it. On Jan 4 of next year, sell the SGOV in the regular account, move the resulting cash to the Roth, and invest it in the same 40/30/30 allocation.

VegasBjorne1

Pretty much about it. Probably a 70/30 mix of Treasuries and Stocks. Maybe ladder Treasuries for 5 years and the rest in VOO ETF. Open an online brokerage account in grandfather’s name, then work it occasionally from there. You t shouldn’t be difficult.

DoinIt4DaShorteez

If you are 22, just using VOO and QQQM will be fine for you for a long time. I would just split it 50/50 each time you invest, but if you are buying one time a month, it won't make that much difference. If you want to use additional ETFs, there's nothing wrong with that as long as you know why you want to do it. $100/month is $100/month. It doesn't matter if how many ways you are splitting it as long as you have a good reason to own them all.

Buck169

What are his expectations? Realistically, in late 60s you're not going to be "in a better position" soon, or by many dollars, unless you A. take a big risk on something speculative and B. get REALLY lucky and actually make a big score. Most likely, this is a recipe for losing it all. Less risky investing (i.e. buy and hold diverse stock funds) is a game of decades to see really significant returns. If \*you\* have any spare money at all, if you start now, you'll probably be very happy that you did so in 30 years. For someone who's already late 60s, it's not so certain. If he wants to be safe, just put the money in a MMF and at least stave off most of inflation. If he wants to gamble a bit, you can start in MMF and do something like every two or three months, take 5% of the total and invest it 50/50 in BND and either VT or VOO. Continue until 2/3 of the money is in those funds, then stop changing anything. If he wants to gamble somewhat more, put 1/3 in each an MMF, BND and VT or VOO tomorrow and get ready to be pleased or horrified, depending...

mac_the_man

VOO. You’re welcome.

cognitiveDiscontents

Buying VOO or VTI would be your best move unless you learn a whole lot and even then it is still likely the best choice. QQQ is a tech ETF. VOO is the 500 biggest companies in the US, which right now are dominated by growth in tech. I would put most in VOO and dabble in sector etfs like QQQ or individual stocks with a fraction of your investment if you wish.

glimsky

The best option is to pick a standard investment strategy and stick with it for years. Even if it goes down. Even if it goes down by a lot. Trading all the time is a recipe for losing money. VOO and QQQM are very good and standard choices, but they have some overlap. Keep in mind they are quite volatile, especially QQQM. So over the years, it will experience big losses that could persist for many years. But you're 22 and time is on your side. The hard part is keeping the discipline and resisting the temptation to sell when their value goes down. After many years, you should make a good deal of money, especially if you invest a little every month like you seem to want to do.

SpreadVivid5426

id say learn about the ETF u are investing in, really understand it, draw conclusions for that industry and where you think its headed, if your goal is simply long term then just buy VOO and forget about it, it tracks the economy as a whole so ur pretty safe there, if you want larger returns then get more specific ETF's but learn about their industry and where its going for the foreseeable future. If you want the simplest strategy just buy VOO every month you'll make returns over a long enough timeframe.

Various_Couple_764

Ignore the news are comments. Focus on your goals. For a retirment fund a growth index funds is good like VT, VTI , VOO, or QQM are good. For a taxable brokerage you can also use growth index funds, Or you can in a good dividend fund Like EMO 8% yield, UTF 7% UTG 6.4% or government bond Any one of the funds above safe good choices to get you started And just buy it and gradually add more money. The key is to just get started with something safe and simple. Don't follow any advice on reddit, Just see it as a place to learn by seeing what other people are doing and what funds they are doing. And then do your own research by reading the fund prospectus and other documents. Most funds have websites were that information is posted.

PhotoSpheres

And once again, I would have made more money and I just kept it all in VOO

bad_detectiv3

But what if VOO tanks tomorrow

Early_Reporter_7443

or like, just put it in VOO or something

Buck169

Recently I sold all my VFIFX (Target 2050) in my retirement account and bought a split between VOO, SCHD, and VYM. I expect to do WORSE with this plan, but I was pissed at Nasdaq for saying "Let me suck that for you, Elon" and was inclined to reward the S&P 500 for not doing the same, and to get into the dividend funds for their "good" fundamentals. I was not sufficiently committed to the bit to do the same with Target funds in my taxable account, because I have enough gains that paying tax on that immediately is irritating.

EsotericParrot

Dude you can’t actually LISTEN to all the noise, you have to think for yourself and do your own research if you are going to buy individual stocks. I agree with the top comment, if this is how you feel you should absolutely just buy VOO and chill my friend.

oldtimehawkey

What risk level are you? Put most of the money in a low risk like VOO or VTI. Me, I’m low risk, so I’d do 80% Then buy individual stocks with the rest till you realize there’s no way to win at that and put that into BND. Haha.

Airizom

Maybe the “VOO and chill” guys were right

Gorgenapper

I know someone who picked stocks based on trends and looked like they made an amazing bet on a particular stock (energy company). Until I showed them that VOO would have made double since inception of said stock, with far less risk, far lower volatility, and the ability to shove money in and sleep at night knowing it'll just keep growing. Too many people don't appreciate the power of a weighted index that rebalances itself by kicking the losers down, and raising the winners up. 

__redruM

Because OP is already overthinking every decision. VOO and VTI are almost the same fund with slight performance differences. VT adds international, so it’s also a good choice.

YardComprehensive215

VOO and chill doesn't sound so bad after all.

pr0prfkt

Open a Fidelity account. Buy an auto amount of VOO each week. Start with what is comfortable, increase as time goes on. Sell only to pay for urgent things. Do this for yourself as well. It’s how personal finance works.

LaundrySauceNL

It's not enough to just say "put it in VOO" and forget about it. You need to know if he has any other cash he can use in an emergency, when he plans to use the funds (say ~25% or more), how he would feel if his portfolio declined 5/10/20%+ in a year, and whether he is an aggressive or nervous (ie. buy or sell low) investor during those volatile periods. Even if a 100% equity portfolio outperforms over a 10y+ time horizon, it's not gonna do him much good if it goes down 20% and he sells because he can't sleep at night.

Bowl-Accomplished

Sure, I'd go VT myself but something like 60% of VT is VOO so right away you have about a 60% correlation.

Acroninja

2 years ago I made the decision to just dump all excess cash after paying bills, food etc right into VOO. Best financial decision I have ever made and I will continue until I decide I can retire. It really makes it very simple

Seref15

The broadness of VOO can be called into question at this point (I say this being mostly in large cap myself)

pr0prfkt

Setup an auto weekly buy of VOO and only sell to pay for urgent things.

satisfiedfools

As others have said - VOO is probably the best bet you could make. Stick with the herd so to speak. More to the point, focus on your career. Dude even with 100k in the market, in a good year that's 10k. It's not life changing money.

__redruM

What are you buying? Maybe go a lower risk. VGT, QQQ, SMH, heck VOO. Stop gambling, start investing.

TalentedArchitect

Honestly after seeing 100k on my screen, I really feel like i wouldve taken 80% out, and leave 20k in VOO, and called it quits. I can imagine how crazy it must have felt though in the moment.

misterbluesky8

u/Winter-Shopping1111, you probably don’t want to hear this, and nobody here does, but if you’re consistently losing money trading options, it’s not random luck. It’s because you’re buying lottery tickets and trading without an edge.  The vast majority of people on this sub would do well to put their money in SPY/VOO for the rest of their lives and never touch options.  I took classes on options in college and went through the CFA program, and it STILL took me years to become consistently profitable. Try this instead: save up and buy literally one share of SPY at a time until you have 100 shares. Then sell OTM covered calls against those shares. Use those premiums to fund whatever degenerate YOLO trades you want. That’s how I did it. This will make you a lot more money than what you’re doing.