VOO

InvestorAllan

Agreed. And double vote for VOO

InvestorAllan

But then you miss out on USA growth. I’d double down on USA ETF. VOO! Foreign diversification is for much bigger portfolios. IMHO

spddemonvr4

That's funny. Jokes aside, i feel anyone with less than 100k should almost never go cash(unless it's needed). Their ability to time the market is more likely delayed and will miss more upside if they just sit and hold. And if you need to get out of a risky trade, move it to something like SPY, VOO or VTI, don't sit cash.

Fastest_light

VOO, or VTI, QQQ, QQQM, no individual stock, no cryptos.

millerlit

I would choose an ETF.  VOO because they regularly take out bad companies and put in growing companies.  They do all the research for you.  VOO is the sp500 which is the market benchmark.

ServerTechie

Switch to FNDX instead of total US market (VTI), S&P500 (VOO), or Nasdaq (QQQ). FNDX uses RAFI fundamentals index to select stocks based on company health and cash flow, not market cap or hype. If you use a target funds though in 401K or otherwise, you’re kinda stuck.

w3bCraw1er

Exit VOO, VTI

w3bCraw1er

Thanks. That means I need to exit VOO and VTI.

EndMaleficent3798

Niggas bought VOO and then said how come i didnt 2x my sbjft

gentlesandwich

VOO is up 30%+ YoY. We're so obviously overdue for a correction, it's painful.

paninimeanie

VOO and chill brother

Alex-CPA

VOO

juicevibe

Wow. Clearly you don't know how to pick stocks. Stick to VOO or QQQ.

EvictionSpecialist

100% of either. These two are basically the same IMO. With the last 5/8 yrs I prefer XLK, but it's all tech stocks. But I've been quite happy with it. I hold more XLK vs VOO.

A_Guy_Trading

this is incorrect. VTI is over 99% the same as VOO. The difference is the .07% exposure spread across almost 3000+ companies for VTI. The other 99%+ are exactly the same as VOO

colbyshores

It wont be in the S&P500 because to be included in the group the company must be profitable for which SpaceX is not. VOO n' chill is still the way to go.

kinetic_honda

I fear the sentiment around this stock is going to drive young investors away from index investing and will unfortunately lead to so many people missing out on compounding growth over so many years. Scary how many people on reddit are talking about trying to divest away from VTI/VOO because of this. To each their own I suppose

Sotarif

I’ve done some research on this and the simplest solution is to move to SP500 index ETFs like VOO, add some momentum like SPMO, tech like SOXX and international like VXUS. That carves out any forced inclusion IPOs like SpaceX, Openai etc. Then if you want some space diversification in your portfolio add a small amount of an etf like NASA which has a number if space stocks. It does have a small l slice of spacex pre ipo and is obviously risky. But I think there may be more upside in space stocks in general. I don’t like any changes in index rules like Nasdaq has approved which only benefit employees founders and pre ipo investors so they can cash out at obscene valuations. But that doesn’t mean these stocks won’t be a buy after a period of setting or probable decline.

CJBlueNorther

Damn, have y'all looked at Autozone's all time chart? Why VOO and chill when you can Autozone and chill?

Far-Doctor3527

TLDR: VT and chill Hello, responding here because I am also unhappy that my passive funds will buy SpaceX. I have decided to not take any action regarding the SpaceX IPO, and accepting that my funds will buy it even though this IPO seems like an obvious grift. I am not trying to convince you to take action or not take action, just explaining my reasoning because this IPO has made me worry about my portfolio and maybe this will be helpful to you in your own decision. First let's understand what types of funds could be affected by the IPO: \- Total world market funds (VT and the like). These track the total world's equities market, which is roughly $154 trillion in market cap. \- Total US market funds (FSKAX, FZEROX, VTI, VTSAX, and the like). These track the total US equities market, which is roughly $77 trillion in market cap. \- S&P 500 funds (FXAIX, VOO, and the like). These track the largest 500 companies in the US by market cap, which total to about $62 trillion. Note that this is about 80% of the total market. \- S&P 100 funds / Mega cap funds (FGRTX, QQQ, and the like). These track roughly the top 100 companies in the US, totaling roughly $55 trillion. Note that this is roughly 70% of the total market, and roughly 89% of the S&P 500 \- Large cap funds (FNILX, FSPGX, and the like). These are functionally equivalent to the S&P 500 so I will not add anything here, they may be slightly larger or smaller percent of the total market than the S&P 500 depending on holdings. \- Mid cap, small cap, and international funds: unaffected The first thing you want to think about is: what are you invested in? You don't have to go super granular but most passive investors have their investments in some version of the above funds. Are you more of a total market person, or more S&P 100? It doesn't matter which one you are, but take a look at your portfolio and understand what you are invested in. Now let's assume SpaceX does IPO at $2 trillion and let's look at how the SpaceX IPO affects the broad categories: \- Total World Market Funds: 2 / 154 = 1.2% of the total world market \- Total US Market Funds: 2 / 77 = 2.6% of the total US market \- S&P 500 and other large caps: 2 / 62 = 3.2% of the S&P 500 \- S&P 100 and other mega caps: 2 / 55 = 3.6% of the S&P 100 Now let's assume that the worst case happens: SpaceX IPOs at 2 trillion, and then the price goes literally to 0. If you are mostly in total market funds, your portfolio would go down by 2.6%. If you are mostly in large cap funds, your portfolio would go down by 3.2%. If you are mostly in mega caps, your portfolio would go down by 3.6%. But let's be realistic, even with this IPO likely being an Elon grift, do we really think this is going to 0? I don't. Maybe it loses 50% of its price, maybe 80%, I don't know. But it's a real company with real revenue (though small revenue compared to its huge valuation), so it's not going to 0. I'm not going to redo all the calcs but just for example, assuming it goes down by 50% and you are mostly in S&P 500 funds, your portfolio would go down by 1.6%. But here is the biggest consideration: 100% of SpaceX is not going to be publicly tradable. We don't know exactly what the percent it is going to be but likely only like 5%. This means that the indexes will only track 5% of SpaceX's market cap. So assuming SpaceX IPOs at 2 trillion and goes down by 50% and you are mostly in S&P 500 funds, your portfolio would go down by (2 \* .05)/62 = .16%. To be clear, this is like a fifth of a percent, which is inconsequential, the market moves more than this on a daily basis. Another point: I don't know what is going to happen in the future: I don't know if SpaceX's price will actually shoot up for whatever reason, so as an uninformed person, I think actively shorting SpaceX is not a good idea. Remember the famous quote "the market can remain irrational longer than you can remain solvent". I am a regular person and don't have any privileged information about what is going on with SpaceX so I think shorting it would be equally risky to shorting any other company that doesn't have a high-profile controversial figurehead as Elon Musk, which is something I wouldn't do (and likely something other passive investors wouldn't do either). At the end of the day, passive investors get to benefit from all of the companies in the market without having to do the work of researching and understanding each business, and making bets about which one will go up or down. We have benefitted from all the other great businesses that have continued to skyrocket without having to use a second of time to evaluate them. If you want to take action against the SpaceX IPO that is totally ok, but you could be introducing complexity to your portfolio, and spending your valuable time thinking about how to hedge against something that will impact your portfolio less than regular daily market fluctuations. Again, not trying to convince you one way or another, and to reiterate, I am not happy that I will be buying into this IPO passively because I do think it is a grift, but by looking at the actual numbers I have decided that this is not consequential. So to summarize all of this information, even though I am more of a Fidelity stan than Vanguard, "VT and chill".

JRockBC19

Is there any practical HARM to holding voo/vti/vug, or is it just redundant? With ETFs I always see people recommend just 1 largecap growth ETF to hold most of your funds in that category, but is it for actual upside or just due to redundancy? If I wanted to split my VOO holdings between VOO, QQQ, and SPMO for example, even though they currenly have a lot of overlap is there anything wrong with that approach?

StegersaurusMark

While your advice is correct, you blatantly ignored the (nice and brief) question that OP explicitly asked. I will rephrase the question “what is the most aggressive investment strategy and what are its expected returns over 20 years if I leave this money untouched” That is a completely orthogonal question to your answer of “keep DCAing for the next 20 years” The expected returns question itself requires volumes of text and is essentially the foundation of financial planning and portfolio management. Or you can be snide and talk about crystal balls. Or you can just say VOO/VT/VBAL and chill and be pretty damn accurate

ThePurpleDongofTruth

I would dump in VOO(long) and TQQQ(short term)

Aggressive_Deer_7072

This sounds nice in theory, but "generate the most money" is usually where people start accidentally changing the question lol. VOO for 20 years is already a pretty aggressive answer, not some safe parking spot. I've seen people leave simple index funds chasing a few extra % and end up just buying more stress instead.

TinnAnd

No expert here.. For that time period VOO seems legit. You could also check out funds that chase "MAG 7".

Friendly-Vast7296

Honestly, if someone can truly leave money untouched for 20 years, they’re already ahead of most investors psychologically 😄 A lot of people spend years chasing “better than VOO” and end up underperforming because they keep changing strategy every cycle. The boring part is that consistency and behavior usually matter more than finding the “perfect” ETF.

TrenterD

Nothing is guaranteed, but an index fund like VOO is a good bet to match market returns. The big questions is if you also want international exposure. I recommend checking out /r/bogleheads. Look at some of the resources there and see what type of portfolio is best for you.

SCDP_CGC

SPY / VOO is really the only answer here

tk421tech

I sold some VXUS and BND on Friday that is you see in SPAXX, to possibly put in VOO. Hence this post.

Foreign-Struggle1723

Depends on how you look at it. You might have to crunch the numbers, but over the last 10 years, VOO has handily outperformed a total world fund like VT. That's because the US has been kicking ass for more than a decade. Even Warren Buffett recommended in his will that his wife's trust be put into a low-cost S&P 500 fund—specifically a 90% S&P 500 and 10% short-term bond split. Another point to consider is that S&P 500 companies do massive business internationally, so you already get plenty of global exposure. But VT is still a safe, conservative bet if you just want a global 'set-it-and-forget-it' portfolio.

OpenOutlandishness78

Im definitely selling VOO if they bypass norms for this garbage .

EvictionSpecialist

I dunno man..if I was 60, I’d still be in VTI and VOO.

EpicWhaleSquad

VOO is my cash position

Ahamadrayasbaboon

People that don’t consider taxes at all aren’t making money.  In your analogy, paying taxes on a paycheck is worth it, because I make more money getting a paycheck than I would by not getting a paycheck. And the more I make, the more I take home because brackets are marginal.  The opposite is true (statistically) of frequent trading. Most of the time, most people make more money by trading less. And frequent taxable events creates a drag on long term compounding. It’s just math. Yeah, I know. Everyone says they beat the market, just like everyone says they walk out of a casino with more money than they went in with. But the statistics disagree.  The probability of positive movement with the broad market is 55% day, 60% month, 70%-90% per year. Roughly.  Sure, sometimes getting in and out grows money enough to be worth it. Just make sure you account for taxes before you celebrate beating buy and hold VOO. And the odds of losing goes up with shorter periods.  Also keep in mind that the significance of tax in the math goes up with income. The higher the taxable amount you report, the more it matters. 

mdn845

These ideas are pretty complicated for the average investor. The only one that’s not is direct indexing, but the fees for that are high. Like 0.4% vs 0.03% for VOO.

Alarmed-Improvement

>Your option is to take control your self, or quit investing all together. Or just change the index. Vanguard S&P 500 ETF (VOO) won't include it but Invesco QQQ Trust (QQQ) will.

CrewLeather754

VOO is fundamentally the best. some categories to look at are cpu stocks quantum and space stocks. but VOO contains a lot of those.

pandadogunited

AVUS is a total market fund and VOO isn't. You should be comparing it to a total market passive fund like VTI, which it has outperformed.

FigIndividual8074

It makes sense directionally, but it’s not a perfect hedge because CSPX and VOO options won’t track identically tick-for-tick. You’re basically creating a “synthetic covered call” using correlated ETFs, so basis risk, currency differences, liquidity gaps, and assignment mechanics can still hurt you even if the charts look almost the same.

Pure4Choice

Funds that pay dividends (VTI, VOO, etc)

ThetaEdgeHQ

The practical answer underneath the noise here is that the exposure problem and the volatility problem are two different things and need different tools. The exposure problem: if you hold QQQ specifically, the NASDAQ one hundred small float multiplier rule means SpaceX inclusion gets weighted at three to five times its actual free float percentage. The practical fix some commenters pointed at is correct, swap QQQ for an equal weight version like QQEW or for a broader vehicle like VOO or VT where the inclusion math is much smaller. That is an allocation move, not a hedge. The volatility problem is different. Retail can not actually hedge an index IPO inclusion event with stock allocation alone. The cleanest expression is a long dated put spread on QQQ dated around the inclusion window, typically thirty to ninety days after the IPO date, because that is when forced index buying compresses then mean reverts. The IV term structure already prices some of this, the front month is cheap relative to the three to four month dated options where the inclusion driven flow concentrates. Put spreads also limit the bleed if the event passes uneventfully. Panic selling everything today or sitting in cash for two months is the option that combines highest cost with worst outcome distribution. Picking either the allocation move or the targeted hedge is the practical answer. Doing both is overkill but defensible if the position size warrants it.

counterhit121

Wouldn't VOO be just as exposed as the other popular ones?

LouderGyrations

It's a good idea in theory, but passively managed funds almost always both have significantly lower expense ratios, and outperform profitability funds. For instance, VOO had a 5x lower rate than AVUS and has outperformed it for every time period over a year.

rickybobinski

You did the impossible. Instead of trying to do it 3x just reinvest in VOO and let time work its magic

redfre813

In 6 months around December 2026. VOO tracks S and P 500 which will likely add SpaceX to index after 6 months as per new rules currently under consideration.

FigIndividual8074

Most traders eventually realize they were underperforming VOO with extra steps and stress.

FigIndividual8074

Most traders eventually realize they were underperforming VOO with extra steps and stress.

RIVNMoonMe

Buy low-fee actively managed funds that have a profitability factor. Avantis (AVUS, AVEG, AVTM, ...) and Dimensional (DFUS, ...) are good. Avoid passively managed funds weighed on market cap like VOO, SPY, QQQ, etc.

WITCH2FAANG

Is VOO going to buy this overvalued dogshit?

Total_Mix9276

lot of safe markets that out-preform 5% with nearly no risk if you plan to hold longer than six months, like VOO. It gone up an average of 15% every year for the last 5 years, 25% just this year alone. If it does go down its returns usually rebound within a year.

supernova-infinite

I have $4000 in cash sitting in my Fidelity account. I'm a passive investor with main investments across VOO, QQQ, SCHD. However, I would like to experiment with this $4000 to maximize my returns. What are some ways to do this?

bruh67letsgo

All I know is I ain't touching QQQ for a hot minute. I am a SPY/VOO goblin until the Space X fast track into the NASDAQ shakes out.

Halbaras

Just ditch QQQ if you have it and buy VT or VOO. The pump should have given way to the dump by the time it gets added to the S&P. Absolutely nothing says you need to own a NASDAQ index fund, if you really want 'high growth high risk tech' there are plenty of other ways to achieve it. I'd agree that its a pretty worrying precedent for the NASDAQ to set between changing the free float rules to overweight tiny floats, and allowing fast entry (while this specific IPO also lets existing shareholders exit earlier than normal). I'd worry less about this particular IPO wiping anyone out (besides a few foolish active investors), and more about the floodgates the index's greed has opened. SpaceX's tradeable market cap will 'only' be $80 billion in non-NASDAQ indices, so its unlikely to distort the prices of anything else besides he other space stocks Reddit obsesses over but which make up a tiny proportion of the overall index. Tesla has been sitting at unhinged valuations for years but doesn't move the wider market.

EmergencyFair6786

Can you buy, please? I just want to load up VOO and VTV at better prices. 

Machine8851

Combing a broad based with SOXX or SOXQ is the way to go. Maybe 70% VOO and 30% SOXQ

diamond_handz25

Not really. Unless I'm reading it wrong, I'm seeing 40% over 3 years from 2023. Underperformed compared to just buying VOO or SP500 equivalent.

peszneck

I have a 50% VOO, 15 % VXUS, 25% individual stocks, 10% cash

Deep_Pattern7103

I hold VOO as well already. I’m not 100% sure where the ROTH IRA money is going yet but something along those lines

NoMore_stu

Is PSY/QQQ a better place to park over VOO?

wandererarkhamknight

One thing these articles conveniently fail to mention is what is the approximate % of VOO, VTI they will be. Because if they mention it, the article will be big nothing burger!

Ohlele

VOO

LucariusLionheart

Listen i think the same way. I am into both right now. And i tried splitting them both up 50/50. But the thing is when one goes down, so does the other. And when it goes up, so does the other too. But at different rates XEQT vs VOO is the clear comparison. And VOO (currently) has made more profit within the past 1day, 5days, 1month, 3months, 1year, 5years and 10years. So unless you think the USA is going to be collapsing very soon, i think they will be making more money. And keep in mind the US will sacrifice it's future for short term profits.

Last-Register-934

AI slop, VXUS is outperforming VOO YTD.

Specialist_Read_9125

Forgive my ignorance but how would this work in practice with something like VOO? Relatively new to investing, and have only ever bought individual shares, but increasingly feel like an index wide correction is on the horizon… especially with the midterms coming up

9554503312

Compare RSP to VOO performance

Useful-District9613

If you had only bought VOO, your return would have been much closer to the S&P 500. That doesn’t mean your setup is wrong though. It’s just more diversified and less volatile, which can mean smoother returns over time even if it doesn’t match the S&P in every year. Theres tools out there that can help you out (:

Agreeable-Bee-3449

Not a financial advisor but I like to do a core + satellite approach. Where the bulk of my money is in a broad index etf (like VOO or VTI, VXUS, VT etc) and then I supplement that with more risky individual investments. My satellite rn is GOOG, MSFT, MU and RKLB

Early-Front3917

Hi All, I am hoping to save to buy a home and afford a surgery. Both huge expenses. 40s, 85k-125k year dep on part time job and bonuses. I do have a savings as well as 32k invested, and diversified. (25% growth inc VOO, QQQ; 25% div QQQI, F, O, and more, 50% in VUSXX and VMFXX. Only $85 a month div. I'm wondering if it's smarter if I get a $100k trailer and losing investment cash. Or keep renting at an absurb 2500 a month. The trailer at least only slightly depreciates now with inflation. Id expect it to resell for $95k in a year based on the others that have sold. It is trailer park with lot rent. With the trailer I'd lose up front money but have 1500 more monthly to invest. Homes here are 6-12% increase a year. Very hard to outpace. Thus far my investment is at 10% but kind of a weird market. My pay is up 45% over last year. What are your thoughts if you were in the situation? Not financial advice.

Smithy2232

I would allocate some of your money to VGT and VOO.

yenom_esol

What can a passive VOO investor do to shield themselves from this rug pull?  Would love a low cost s&p498 (minus elon) etf.

BottleMedium881

At 30, I’d keep it boring. In taxable, VTI is usually a great core because it gives you the whole US market and is tax-efficient. VOO is fine too, but holding both doesn’t add much since they overlap heavily. Since your Roth is already 80/20 US/international, you could mirror that with VTI + VXUS in taxable and focus on consistency, low costs, and not tinkering.

Fapados

The problem isn't VXUS. It outperformed VOO both in 2025 and 2026. 33% of your money is in a MMF. That's a lot.

Detail4

Yeah if they were new accounts I’d just do VT and SPY. They say VOO tracks better than SPY at a lower expense ratio but I like the efficient options volume on SPY for writing covered calls.

Will1790

Inverse QQQ and SPY/VOO

tk421tech

It was VOO 40%, VXUS & BND 30%. Retiring in 10 yrs. (Seems it might only grow to about 100k with contributions). Prior to today I thought perhaps 60/25/15 might be a better goal. Current % 33.50/17.42/15.87 and 33.21 in SPAXX to rebalance.

Moist_Wolverine_9127

Your math checks out - VXUS has been dragging you down this year while bonds are basically dead weight. International has been underperforming US markets for a while now, and with rates where they are, BND isn't doing you any favors either. At your age though, having some diversification isn't the worst idea even if it hurts short-term performance. The 3-fund portfolio is designed for long-term stability, not chasing returns. If you went 100% VOO you'd definitely be closer to that 9.27% S&P number, but you'd also be taking on more concentration risk. Maybe consider tweaking your allocation instead of going all-in on one fund - bump up VOO percentage and reduce the international/bond weightings if you're comfortable with a bit more volatility.

guachi01

I don't know what your percentages are in each fund, what your right tolerance is, or what other sources of income you may have. But the simple answer to your question is "yes, you would have gained more holding just VOO".

mmmfritz

I don’t know why OP is worried about a single stock when the whole idea of indices is to invest outside your own domain. No one knows where spacex is headed, it could be the next railroad or it could be another Segway. For OP to even waste energy over this means he 100% needs to VOO and chill for 40 years.

IncomingAxofKindness

This is what I've been thinking, to reduce exposure to the AI/tech concentration of VOO in general though. Building my own etf with RSP at the core and adding some MAG 8 (minus Tesla) albeit at lower weightings than VOO.

HaiKarate

Unfortunately, because of the size of the offering, SpaceX will be added to the S&P 500 in six months to a year. So it's unavoidable to anyone holding SPY/VOO/FXAIX etc, for the long term.

grandpa2390

I bought Nvidia because everyone wanted Nvidia, and then when the Crypto coins started taking off I saw, everyone wanted Nvidia. and then AI was starting to happen and everyone wanted Nvidia. so much that an entire country was not allowed to buy the best chips. so I just kept adding to my position. I didn't buy enough to become a millionaire, mind you And as Nvidia succeeded, I had enough conviction in the industry to buy other names like MU and AMD. Not enough to become a millionaire. But enough that it has allowed me to beat VTI and VOO had I bought that instead.

circadiggmigration

Can you choose which etf a stock buys? No. You can buy VOO or SPY, they're keeping the original rules for SpaceX. Tesla is already an SP500 co because they more than qualify. Keep in mind the Nasdaq only allocates based on the free float and Elon is only releasing 5 percent of spacex so even if you own QQQ the addition of spacex will be negligible. They're not buying 1 trillion worth of shares. As for Tesla, there's no real answer. You knew Tesla was a part of it when you bought it.

Beautiful-Parsley-24

In any case, you're joining me as an active (maybe even activist investor? ). As an active investor, I handpick every investment - I chose to buy SpaceX at Series E. I choose not to buy it at IPO. If you invest in VOO, you forfeit that right.

NAh94

Theoretically if you do the math you can hold enough S&P 500 ETF, you can short out your exposure to SpaceX directly through their shares. That would probably be require you holding a lot of $VOO/$SPY, though. I haven’t done the math and I’m not sure what % makeup SpaceX would be yet of the index.

njpc33

This is actually a strategy a lot of high rollers employ. Closest thing you get to an infinite money glitch. Theoretically (and practically), the investment return of circa 7% from VOO pays the loan off and gives you profits whilst the rest of your personal investments appreciate. However, there is a reason this is done by people with plenty of capital - if something goes awry, for example a down year in the market, or an emergency, you need the safety net of capital to continue to cover the loan for a period of time. So only do this if you're already well off.

trix_is_for_kids

What’s your age/ time horizon? If it’s 20+ years I’d go 80/20 VOO/ VXUS. Could go 80/20 VTI/VXUS for more exposure/ safety or just 100% VTI. But if your timeframe is 20+ I’d suggest the more aggressive approach.

Ohlele

VOO

Informal-Lime6396

I'm of the opinion that 30 is young, and target date funds and bonds have no place in your 30-year retirement portfolio. I used https://www.etfrc.com/funds/overlap.php VOO and VTI are basically almost the same. Overlap: 88% by weight, 497 # of overlapping holdings I argue for replacing the target date fund and bond allocations for some sector ETF like VGT and SMH/SOXX. As you near retirement, you can rebalance tax free towards bonds and a more Boglehead-like portfolio. But while you're in your prime earning years, I think you can stomach the volatility for bigger returns.

stoic_suspicious

How is it so hard to buy the VOO

cbr777

It sounds like you should only VOO and chill going forward, this might not be the game for you. Being down 62% in the most insane bull market takes skill.

charlieandoreo

Just buy VOO and VXUS or just VT. Then in a tax deferred account add BND after you turn 40.

hv876

Be like Warren Buffett. Buy VOO and chill and make tendies.

buonoxc

Damn - this sounds like a great case for holding indexes instead. Could just hold QQQ , VGT, SPMO, VOO one of those.. you don’t have to second guess your conviction on bad days, weeks or months when you hold an index. or copy trumps portfolio knowing he’s got the insider info. (He had a great day today).

mb-7777

100% in VOO and don't look at it for at least 5 years. Stress free gains.

InvestorAllan

I thought I was doing good picking stocks and getting 30% which is way above market avg. until I realized VOO has gone up 30%. Hahaha! All that hassle to just… be exactly average.

Zephyruos

Improper sizing! 0.5%-3% of your total port leveraged throughout one year, the rest in 3 months treasury bond or S&P500 ETF (VOO for lower fees) or even VT for total world stocks exposure.

Icy-Sheepherder-7595

I'm working with much less capital than you but I've been struggling with the same emotional selling and poor timing. I keep trying to tell myself it is what it is and it's a lesson pretty much every investor has to learn at some point. Nobody's line ever just goes straight up. I recently took a $7k loss on LULU after finally deciding I was done with it after holding and averaging down for almost 2 years, then I see it starting to move up again although the value is still way off its highs, I sold MELI a few weeks ago and again that's going back up, sold out of half my UNH position at the bottom and lost a little money despite knowing I bought in really cheap and probably could've held it all, I made $4k instead of the $10k I should have had I held. The thing is though you have to move on once you sell a stock. Beating yourself up and, I'm guilty of it, I made a similar post in the value investing sub about how over the last few years I traded like $300k just to barely break even, but beating yourself up and dwelling does no good for your mental health or investing strategy it will only cause you to keep losing money. Not financial advice in the slightest but I think if you let go of META and MSFT you'll find yourself feeling sad again once they go back up. MSFT is my largest position so far and I'm not selling until it at least doubles which could take time but I don't think as much as the projections are showing. If it drops below my entry price of just under $400 again I'm loading the boat. It's the one stock I have 100% conviction in right now they'll never go away, corporate America runs on their products I wouldn't bet against that at all. META is riskier but I hold that too although much less. Earnings are good, no reason the stock should stay this low for long. I would just close the app and hold and see where things go if I were you. And also it sounds like you already have about $400-500k liquid net worth so you're already ahead of most people, if you're smart and can get a handle on the emotional aspect which is just as important as the technical analysis side of investing, you can make that money compound quickly. No need to be chasing anything too risky like options when you have that much to lose. If anything sell your current positions after you're in the green and throw it in VOO/VTI/VXUS/VTSAX take your pick at whatever low cost index fund and then just never sell. That's the beauty of index investing, if it goes down it just means you can buy more cheaper, unlike individual stocks where your gambling it all on horse to win it all but with indexes they pretty much always go up in the long term. Even buying at the top of the market you're still guaranteed to come out profitable unless a nuclear war breaks out or something of that magnitude.

GMVexst

VOO and chill for you

HighlyRegardedApe

You buy on the way down and sell on the way up. 101 man. Also diversify. Maybe buy VOO or something like that.

InspectorDabbit_

I mean this in the nicest way possible but you are not good at this and should just allocate 7.5K into VOO in an IRA each year and chill You can have a self investment account to play around with but you don't have the stomach for this kinda swing trader stuff Nothing wrong with being boring, boring is usually safe