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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
I was all in on MSTY and MSTR in January. Lost about 20k there. Went deep in on OPEN in APRIL with stocks and some calls. $600 on a .50 call went up 2500%. Then went in on critical minerals and got rugged. Then went all in on Ethereum and got rugged again. Now, back in OPEN today. I've been ultra bullish on OPEN since last year. Not advice but once I get back to even Im going full VOO and shutting my computer off.
At 27, time is your biggest edge. A broad ETF like VTI or VOO is plenty on its own. Owning both is mostly redundant, so I’d make one of those your core and keep it simple. If you want, you can add a small slice of something riskier for growth, but keep it small enough that you won’t stress during downturns. SPLV can smooth volatility, but it may lag long-term. Biggest key is consistency and not touching it when markets get rough.
Hedge may not be the correct word. But Yes it would be better than holding 100% VOO/SPY during your times mentioned. Even tho BRK/ab is 85%correlated to S&P during times. A true Hedge brings you Down during all other Market times, BRK is a good fund to HELP during Bear times and performs during other times. [https://www.portfoliovisualizer.com/asset-correlations?s=y&sl=29nTXDkiF11SVEbyc0O0aU](https://www.portfoliovisualizer.com/asset-correlations?s=y&sl=29nTXDkiF11SVEbyc0O0aU)
BRBK and VTI are good picks, SCHG. That said, the last three years I’ve basically said fuck it and have actively traded in my Roth IRA more than my actual account and not contributed to it, and I’ve managed to outpace VTI and VOO even if I account for hypothetical maxed out contributions that I haven’t made. So that’s been interesting. Long term is usually 10 years like you’re saying but a Roth IRA or 401k long term is longer than that because you’ll be looking to withdraw from it when you’re in your 60’s (not sure how old you are). The responsible choice is VTI and BRBK in my opinion.
same exact s&p 500 ETFS, just different issuer SPY and VOO both track the S&P five hundred, but yeah, the main difference is the issuer. SPY is from State Street, and VOO is Vanguard’s version. SPY’s been around longer, uses a different structure—it’s a unit investment trust, not a mutual fund like VOO. VOO has lower fees, usually around zero point zero three percent versus SPY’s zero point zero nine percent. Also, SPY’s more liquid, better for day trading, while VOO’s cheaper for long-term holding.
I’m so sick of seeing of seeing people dickriding Vanguard index funds and talking down to others as if knowing what VT/VTI/VOO is makes them a genius Vanguard index funds are like the most basic investment you can make. You’re not anything more than a spectator. It doesn’t make you a smart investor.
Doesn't KO underperform SPY by like 10% a year including dividends? Just buy VOO bro
That is really great to hear and outlook for the 529 for me to open. What vanguard 529 did you choose was it just VOO or something else?
VOO and VTI overlap with VTI holding 3000+ US companies and VOO holding only 500+ companies. If you want foreign exposure outside US, then VXUS is a good one. A dividend-focused one would be like SCHD. VGIT, BND, SGOV are all like investing in fixed income/bonds/HYSA so I would put a few percentage there for a safety net. Overall, if your goals are aggressive, I’d put like 50% in either just VOO or VTI. Split the remaining 50% among foreign exposure like VXUS, dividend exposure like SCHD, and fixed-income exposure like VGIT.
The down side is: * Your investment can loose a lot of money in a bear market. * Some pear markes last for years. * These are mostly growth funds. They produce tiny dividends. * The only way to get income from these funds is to sell shares. IF the market drops when you sell you could loose money. The first goal off a young investor to to develop: * a retirment fund (401K, IRA , Roth) and maxyout the contributions you are allowed to depoist every year. * Build a HYSA or money maker account of 6 months of cash living expenses (the money you tyicpally spending 6 months. Not your earnings. * And max your any other tax deferred investment opportunity you have such as HSA. Now typically fund like VOO and VTI are excellent choice for a retirment fund. For HSA a dividend fund may be a good choice. After that you should develops a taxable brokerage account: * You can invest more than 6 months of money in growth index funds like VOO and VTI. to supplement your cash emergancy fund. Growth index funds grow very fast potentially giving you sever years of living expenses. But you have to sell these fund income. preferably you want o only well when you can make a profit on the sail. You do not want to sell at a loss. * IFyou have a Roth IRA you have $7500 per year expense for the yearly deposit. Sao start investing hi high dividend fund for income preferably one with a low tax on the dividends you recieve.. A good choice is QQQI with a 13% yield. and you pay no tax for about 6 years on the dividends you recieve. You can build this up to cover the Roth IRA deposits. * After the roth expenses are covered start buildin up a different dividend fund to press other monthly expenses such as utility bills, insurance bills, and possibly enough to cover the monthly mortgage cost. Try to limit each dividned fund to about 50K invested. And try to make sure each fund invests your money differently. Keep this up until all regular monthly expenses are covered by passive income from dividends. Dividneds are cash profit chaser payments made directly into your brokerage account from the funds you invest in. now it will take time to build up enough dividend income to cover monthly bills but once you have it the loss of income for any reason from work would not result ins bankruptcy and loosing your home. And once your dividend income exceeds your monthly expenses you can consider retiring or reducing the number of hours you work each week.
Cool. I just went with VOO. Thinking of putting a 1k on Mag7 for sport for my 2026 contribution. Max is a little more I believe this year but you get the gist. Thanks
Stay the hell away from options, you have $500k freaking dollars, you don’t need that. If you want to chill, just put some into SPY or VOO and some into QQQ, and another huge sum into a HYSA so you can really chill
Using assessment of risks and values in deciding allocation is not timing the market. Keeping substantial sums on the sidelines waiting for the right time to jump in is. Yes, the VOO is overvalued, and likely to give anemic returns for some time. So pick assets that are less overvalued.
I think now I prefer to invest in something "safer". So I was considering VOO or VT.
Some of these companies, such as the oil and tobacco companies, are not growth stocks. They are dividend aristocrats. This means you won't their stock price move much, especially over a single year. What they are intended for is returning increasing dividends year over year. If you're trying to compare this to something like VOO, or Amazon, etc, you'll be super disappointed unless you're willing to perform this experiment for like 15 years, through the next market correction. Then they will likely pull ahead. Look up dividend aristocrats and "CAGR" if you're curious. Over 30 years they outperform the larger market but I think you'll get bored before then.
VOOG has negative loadings on the value exposure about -0.34 according to portfoliovisualizer, while having a beta (or market exposure of about 1.06). VOO has a very slight negative value loading of -0.02, probably due to the big tech concentration, and a market exposure of 1.00. VOOG also has a less statistically significant negative momentum loading of -0.08. Longer term I would expect VOOG’s negative loadings to result in lower returns compared to VOO. This is despite the fact VOOG has a slightly higher beta. TLDR: VOO will probably outperform VOOG by maybe a 1% or something a year over the long term although that could obviously fluctuate a lot.
VTI is US index market cap weighted. So it’s mostly S&P500, especially the mega caps. VOO is only S&P500 and also market cap weighted. Your entire portfolio would be VERY heavily tilted to the US S&P500. You will have no exposure to international. That’s a good bit of risk. People forget at this point, but the global stock market is cyclical. What goes up, eventually comes down. Tomorrow? The day before you retire? After you die? No clue, but you have a lot of risk in the US performing well. If nothing else just go with VTI and skip VOO. At least this way you get some exposure to US mid and small caps.
Not much, they are both ETFs that track the S&P 500 just offered by different companies VOO from Vanguard and SPY from State Street Global Advisors. VOO will have an expanse ratio of 0.03% and SPY will have an expense ratio of 0.0945%.
I’m relatively new to this, so I guess my understanding was that VOOG invested in the tech more heavily and was higher risk/reward scenario as tech has been growing so rapidly but could also face a large reversal more easily than a more varied S&P Portfolio. I made a good bit another stock that I believed in (tech as well) that jumped like 600% which I sold and then reinvested to VOOG over VOO because I understood it as having a higher potential for growth. I understand what you’re saying about the current overpricing, but are you saying that VOO would function more similarly to a under valued stock?
Keep in mind that the term "growth" in this context is essentially just a nice way of saying "overpriced" relative to PE (with "value" meaning "underpriced"). It does not mean that those stocks are expected to grow more in terms of stock price over time but that those companies need to grow profits just to justify their PE and current stock price. In fact, historically, value stocks have outperformed growth stocks by a wide margin, not surprisingly since that means buying underpriced stocks beats buying overpriced stocks, though, in recent times, growth has outperformed value due to the prominence of tech companies being "overpriced" relative to PE. I call this out because I am assuming your "heavy focus on growth" is in terms of your portfolio value and not because you have a general desire to hold overpriced stocks. Based on the history of the stock market, a "heavy focus on growth" would actually lead towards an overweighting of value stocks (e.g. VOOV) rather than growth/VOOG, even if VOOG has been winner lately. The questions of when/if the tech "bubble" will burst and when/if value stocks will regain their historical position of outperformance is something that has been talked about greatly going at least a decade or so back. No one knows. All that said, I personally keep the majority of my portfolio in VTI (similar to VOO but holds the total stock market) and then hold a percentage in VOOG as a means of overweighting tech. I also own a small number of individual tech companies as a further means of overweighting companies I specifically believe will outperform. I do not believe these overweightings in my portfolio will make sense over the long-long term i.e. I do not view VOOG as a viable "hold for life" ETF like I do VOO or VTI. I wish I had isolated these holdings in my tax advantaged accounts as now I find myself with very high capital gains in my taxable which vastly complicates figuring out how to take profits and pull back on this.
What’s the difference between SPY and VOO then?
Yes. If that’s in VOO it’ll gain like $90k a year if not more. I could easily live on $90k a year
Dengit…. I just sold all my QQQ and bought QQQM and sold all my VOO and bought SWPPX. So I screwed up?
Lots of decades of international outperformance but not any recently . Point is you never know what will outperform. S and p got crushed by VXUS last year and VT. IMO I don’t care and I am 100% VOO in all my accounts. But as my portfolio gets larger I will add more VXUS maybe 20%
When I looked at my target date funds they all underperformed the S&P500 over the long term but had less of a crash during bear market years. Target date funds are actively managed. They try to take advantage of opportunities and cushion portfolios against potential downturns, as well as increase bonds as the person reaches their retirement date. They only really succeed at the last one. But you have to wonder with every egg going on in the United States right now, if VOO and chill is still going to be the best strategy, especially over the next few years.
>VOO is a bit more riskier than VTI While VOO holds less stocks, the extra stocks VTI includes are riskier than the ones on VOO
You probably don’t need to do both VOO and VTI. You should also consider an international fund to diversify. You are you d enough that you could probably split between VTI and something like VXUS.
Taxable brokerage in a diversified etf like VOO or VTI.
Generally investing in passive broadly diversified funds like VOO and VTI make sense. As pointed out elsewhere, they overlap so pick one. The issue now is becoming that a few large tech consituents are an extremely high percentage of the index. It is worth temporarily considering an allocation to RSP, equal weighted S&P 500. I am also a big believer in global diversification, so consider adding an international developed (VE or IDEV) and an emerging ETF (EEM or VEA).
What fund(s) are you invested with in your 529 where you're not seeing growth? Over the last year, VOO is up 16% and up 80% over the last 5 years.
VOO is a bit more riskier than VTI. If you have enough emergency funds for 6 months, then I would say VTI
I recently learned about SPYM instead of VOO… .02 expense and a much lower price which is helpful for smaller accounts.
Here's a visual representation of the downside: https://totalrealreturns.com/s/VOO,VTI,VT,SPY,QQQ,VGT (both VOO and VTI lag behind just buy and hold with QQQ). For someone in 20s, I recommend VGT which is a pure growth ETF.
Are you trading options? I think that's the only benefit of SPY over VOO, AFAIK.
Get used to investing simple VOO and chill in a taxable. Auto weekly, don’t rely on self discipline. You could use SGOV to save up house fund, but honestly you don’t know what interest rates will be like in 6 years. The most important thing anyone can do is get into the habit and muscle memory if weekly VOO. Look at your weekly as a “competitor” to your bills. 2k savings a month is $500/week. You could do half of that, 250/week VOO. The other 250 in SGOV. The more you invest auto for longer, the more used to you will be with market volatility and see it is a feature for the automated investor. When you have something urgent to pay for (like a house), you can choose to sell for that reason. You will learn more things, like Roth. You might change to Nasdaq vs VOO. When you change, just switch the auto. Don’t sell. Only sell to pay for urgent things. That’s it. That’s all anyone needs to know. You will eventually learn more, but it all grows from that foundation.
Consider VXUS as well since ~20-30% of VOO is the Mag7. That gives you international exposure.
VOO is an SP500 Index ETF with some stocks that pay dividends. VOOG is the same with more stocks that are focused on growth than on dividends. It’s not much difference since both have the same top ten holdings. You don’t need to worry about the AI holdings or it being tech heavy. The companies in the fund meet strict performance criteria or wouldn’t be in there. They have deep pockets, large cash balances, and strong fundamentals. VOOG is a big fund with 2 trillion in assets. You’re 29 so you need growth. So VOOG is perfect. The return is just a little better. I have IVW which is the same as VOOG but it has $66 billion in assets. I just like it due to its smaller size. Easier for the portfolio manager to manage cuz it’s not so big. The holdings are very similar to VOOG. I had it for over 10 years. The company is called iShares. IVV and IVW is like VOO and VOOG.
VOO or VGT. QQQM is more costly with fewer returns than VGT and needlessly constrains itself to only NASDAQ stocks which is dumb.
Honestly, my two favorite funds would be a 70/30 split with VOO and QQQM. Reinvest dividends and don’t touch it unless there is a major pullback. Upon a major pullback, sell some of each and instantly invest those funds straight back into SSO and QLD or even pick up some UPRO and TQQQ and let it ride. You’ll thank me later
Hey, sounds like you’re in a solid position overall — great income, a stable job, and you’re investing early with a long-term mindset. That’s already a huge win 👏 As for VOO vs VOOG — here’s how I’d think about it: **VOO** is the full S&P 500, so you’re getting a broad mix of everything — growth, value, tech, industrials, financials, etc. It’s kind of the "set it and forget it" option, and historically it’s been super reliable. Super low fees too. **VOOG** zooms in on the growth side of the S&P 500 — so more exposure to big tech and companies expected to grow faster. It’ll likely outperform in bull markets when growth is hot (like during the 2020 rally), but it can also underperform or get hit harder when growth stocks fall out of favor. Since you’ve got **time on your side**, VOOG could make sense if you're comfortable with more volatility and believe in long-term tech/growth trends (especially with AI, cloud, etc.). But yeah — it’s definitely a bit more concentrated, and you’ll feel the swings more. **On the AI front** — you’re right that a lot of the gains right now are concentrated in a few mega-cap names (Nvidia, MSFT, etc.). That can be a double-edged sword: great when those stocks are ripping, but painful if they pull back hard. **Tax-wise**, in tax-advantaged accounts (like Roth or TSP), there’s not a big difference — you don’t pay capital gains or dividends taxes there. In a **taxable brokerage**, they’re both ETFs so they’re generally tax-efficient, but VOOG might kick out slightly higher capital gains/dividends depending on rebalancing, since it’s more concentrated. Nothing crazy, though. **Mixing both?** Totally reasonable. Some people go like 70/30 VOO/VOOG, or the other way around, depending on their growth conviction. Or you could just pick one and stick to it — honestly, **the most important part is staying consistent over time.** Hope that helps — curious to hear what you end up going with!
The taxes I'll have to pay for re-allocating my SPY into VOO. Realistically they perform the same, but I just couldn't keep myself from wanting to consolidate them into 1 so my reptile brain can more easily track my s&p 500 allocation. Was roughly a 50/50 split before, now 100 VOO. Fortunately at least I held all the SPY longer than a year. I know it was stupid. I knew it was stupid. Did it anyway. Still stings a little.
You're awesome thank you. A lot of good points, so any index fund in particular? I did mention VOO, I have a big chunk in a vanguard 2045 already would an index fund still make sense? Thanks
It's more like 80%. www.etfrc.com say there is 88% overlap between VOO and VTI, by weight, but S&P themselves say the S&P500 is [approximately 80%](https://www.spglobal.com/spdji/en/indices/equity/sp-500/#overview) of the US total market.
VOO is limited to about 500 stocks selected by a committee, VTI is every stock in the US. The downside is concentration risk. Both indexes use market capitalization to decide how much of each stock should be in the index. The biggest conpanies will be proportionally a larger part of the index. If you buy VOO, 7% of your investment is in Nvidia. In theory, you're trusting that the market is pricing the companies appropriately, but in practice if it's not you are pretty highly concentrated in a few stocks and sectors. You are theoretically getting a better return (assuming the market is correctly priced) but should expect higher volatility. In addition, you're losing exposure to international stocks, which also might make your investment more volatile due to less diversification. In reality you have little to worry about over a long (10+ year) horizon. If you want greater diversification and less volatility, and are willing to accept potentially smaller returns, then go for something like 80% VTI, and 20% VXUS which is an index of international stocks. Otherwise just put everything in VOO and don't look at it.
Talking like AI isn't a compliment, it's the opposite. It means what you write has no substance. You chase penny stock and yieldmax, you really don't have anything valuable to advise anyone. You could have just repeated "VOO and chill" and it would be better than what you just posted.
If you keep it to only one ETF, it will hinder avoiding wash sale in taxable when it is time to sell. Also there could be some possible tax loss harvesting to do when large caps behave differently than dmall&mid caps. US market: large+ mid& small cap =VOO+VXF = VTI Intl : VXUS
Putting money into VOO and VTI is pretty steady long term, but you still need enough emergency cash since life has unexpected things.
Pretty much. For most people, broad index funds *are* the optimal strategy. Simple, boring, and hard to mess up. The real downside isn’t VOO/VTI. it’s behavior. Panic selling, tinkering, or abandoning the plan when markets get ugly. If you can stay disciplined, this is exactly how it’s supposed to work.
The main downside is not risk, it is concentration and expectations. VOO and VTI are excellent core holdings, but they are both heavily tilted toward US large cap growth. You are effectively making a strong bet on one country, one market structure, and one valuation regime continuing to work for decades. That may be fine, but it is a choice. The bigger risk I see in your plan is not the ETFs, it is liquidity and flexibility. You are aggressively paying down the mortgage and investing monthly, which is great, but make sure the emergency fund truly covers business risk as well as personal risk. For your age and horizon, simple is a feature not a bug. Just be clear that VOO plus VTI is a strategy, not a guarantee, and diversification means more than just owning more tickers inside the same market.
VOO and QQQM. Your welcome. More into QQQM :)
officially back to lagging S&P since I started, maybe I should just stick to VOO
A bunch of downsides to VOO and chill * What are you going to do with all that extra money you save on fees and extra $$ you make from your investments, vs picking individual stocks or trying to diversify to other asset types? * What are you going to do with all the time you save not trying to figure out which stocks to buy? * What activity will you do instead of stressing about small market fluctuations in your stocks?
VOO=S&P 500 VTI=Total US Market VXUS=Total International Market VT=Total Global Market In order to get the entire global market you can either go for VTI plus VXUS or just go all in on VT like I did. VT automatically rebalances so you never have to worry about tinkering with your portfolio. The only thing you have to do is buy more VT shares over time. VT is an entire global equity portfolio in one simple ETF.
Given that you are still very young, you could go 100% VOO or 100% VTI. If I was in your position and assuming I was just starting, I would go 100% VOO while I learn more about investing.
Thank you for the info. Same question but VXUS +VOO?
Why do you have 100k cash? Put in SGOV. All that matters is monthly income vs monthly expenses vs monthly auto investment. Buy whatever you can afford of VOO on an auto weekly basis. Then work to increase that weekly. Sell only when you have an urgent expense to pay for. That’s it. That’s all you need to know. Most people. Panic selling or get off the plan. At your current level you shouldn’t have any problems reaching your goal if you make serious effort and automate. Best of luck!
>so don’t feel like you need to invest in a historically underperforming global fund for extra international exposure. There's been many periods of international over performance, with at least one point in living memory where the "winner" after 60ish years would have been international, not the US. >And many of the companies in VOO exist world wide, Revenue source is at best just one small piece out of many that are important. There are other factors, some of which are more important, that revenue source wouldn't help with in any meaningful way. * https://www.fidelity.com/viewpoints/investing-ideas/international-investing-myths if that link doesn't work: https://web.archive.org/web/20201112032727/https://www.fidelity.com/viewpoints/investing-ideas/international-investing-myths (Archived copy from Archive.org's Wayback Machine) * https://www.vanguard.com/pdf/ISGGEB.pdf (PDF) or the archived version if that doesn't work: https://web.archive.org/web/20210312165001/https://www.vanguard.com/pdf/ISGGEB.pdf (PDF) * https://www.dimensional.com/us-en/insights/global-diversification-still-requires-international-securities - Companies will act more like the market of their home country * https://www.reddit.com/r/Bogleheads/comments/vpv7js/share_of_sp_500_revenue_generated_domestically_vs/ - The argument that “US companies have plenty of foreign revenue is sufficient ex-US coverage” is tilted towards a few sectors, some have almost no coverage. Also what about in reverse- how many big foreign companies have lots of US exposure? * Some explanation on why international revenue is not the same as true international holdings by HenryGeorgia: https://www.reddit.com/r/Bogleheads/comments/1jcs4pd/comment/mi4zf0c/ * Or (if it loads) by /u/InternationalFly1021: https://www.reddit.com/r/Bogleheads/comments/1hm95gg/comment/m3t2779/ * To add to the above, there’s also the issue of valuations. One country can still become over valued, even with global revenue sources. * https://www.bogleheads.org/wiki/Domestic/International and expanding on part of that: https://www.reddit.com/r/Bogleheads/comments/161i2l1/comment/jxs659h/ by TropikThunder All cover it to some degree. The purpose of the international holdings is to be covered during the orange periods of the graph here: https://www.mymoneyblog.com/us-vs-international-stocks-cycles-outperformance.html
Opportunity cost is the downside. VOO and VTI are probably the "best" idea for long-term safe growth. But you can make more money with other, more risky strategies. I prefer the boring long-game because I don't have time to play/learn the riskier trading game.
VOO is included in VTI. Think of it as VTI = VOO(~70%) + mid cap(~15%) + small cap(~15%). You can but don't need to do a 50/50 split.
One downside is that you have just one ticker symbol, and it will (likely) have an unrealized gain. So anytime you want some money you have to sell and pay taxes on the gains. If you own individual stocks (even just a 5-10 of them, and even if some of the names are redundant with whats in VOO), then likely some of these will be at a gain and some at a loss. So you can selectively sell some of the winners and losers so the realized gains net to zero. Then you can pull funds out without taxes.
VOO is included in VTI. VTI = VOO(~70%) + mid cap(~15%) + small cap(~15%).
In time, everyone learns that all roads lead back to either VOO, VTI, VT or their mutual fund equivalents.
By only going with VOO and VTI you are not getting international exposure. Boeing, Airbus, and Embraer dominate the global aircraft industry. Ge aerospace, P&W, RR, and Safran dominate the aircraft engine industry. By going for only us stocks you do make a choice that the US companies will be the only ones that you are exposed to. Granted if you had to choose one market I would choose the US one. Personally I like investing and rebalancing my portfolio. I basically do an S&P 500 blend and then add in international non-financial companies as they would be if they were part of the S&P 500. This is a lot more work than just doing SP500.
I don't want it as my largest position but it's always gonna be top 5 after VOO. Anyone that wasn't an adult before 2007 when the iPhone took off doesn't understand the rich history of Apple creating civilization-defining consumer products.
VOO is fine. And many of the companies in VOO exist world wide, so don’t feel like you need to invest in a historically underperforming global fund for extra international exposure. Believe it or not, the mag seven exists beyond the confines of the USA.
VTI is the total US market whereas VOO is just the S&P 500. So all 500 of those companies are already in VTI, just a less concentrated. So it doesn’t make too much sense to own both. I personally prefer VOO as I think total market just carries too much deadweight, but some people think the total market is safer. VXUS is like VTI but for worldwide non-US stocks. It did particularly well this year as the value of the US dollar went down. But you could pair it fine with either VTI or VOO and you’d still be getting diversification.
My ears are burning. Seriously though, I allot a couple hundred a month and just try to pick stuff after looking over information. Last year sucked. I think I was down about 300 bucks. The previous years I got lucky. Road nvidia the year before and planter prior to that. Made some money but now I think I’m just putting it straight in to VOO
Good point. He’s in his 20’s, it would be GOOD for him to buy as it tanks, as long as he holds long enough he should come back on top. VOO should be held for decades in my opinion.
Nothing. The full time pros can’t beat VOO long term. What would make you think a part time investor can?
You can gamble your money with Versant or you can invest in VOO or VTI and guarantee your money will grow long term.
iShares Core S&P 500 is OK. VOO and VTI are also great. Ignore the other 2.
60% VOO and 40% QQQ until retirement then reevaluate.
Vanguard. They have the lowest costs and fees. Start with VOO and VTI.
If you want to make money or grow your money, invest in something else like VOO or VTI. If you want to donate your money to space companies, invest in space stocks.
VTI and VOO overlap a lot. VTI consists mostly of VOO plus a smaller percentage of smaller stocks, so it's a little more diversified, but still strongly correlated. You probably don't need both, and I'd lean toward VTI out of those two, though it won't make a big difference either way. Both of these are exclusively US stocks. Personally, I prefer VT. Which is around 60%+ the same as VTI, so you still get plenty of US exposure, but it also includes international stocks. In recent years, US stocks have performed a lot better, but historically that hasn't been the case in all time intervals. More international diversification might give you a little more peace of mind if something happens in the US market like the AI bubble popping. Another area where you might diversify would be bonds. It's hard to make the case for allocating too much of your portfolio to these given their historical performance vs equities, but some could be a little safer than none if things do go poorly. These might make more sense to go in a retirement account so you're not paying taxes on the dividends every year.
VOO and VTI will overlap. It is better to go for one over the other. VOO is the S&P 500, the 500 largest companies in America, VTI is the total US Market. Usually they perform fairly similarly to one another. Since about 2010 the S&P 500 has performed very well but that has not always been the case historically. Also consider VT which is the total global market.
I’ve actually held off on contributing to my 401k until my company match hits (1 year with my company) and that just hit recently so I’ll start contributing a percentage to that as well. So from my understanding of your comment you recommend VTI and VXUS and excluding VOO altogether? Sorry if that’s a stupid question I’m new to this
Lol this reads like some kind of zen koan. To elaborate OP, VTI already contains all the S&P 500 names in VOO plus thousands of mid and small caps, so the overlap is huge and performance ends up almost identical most of the time. All you really do by owning both is add complexity (more tickers to track, messier allocation) without meaningful extra diversification If you want to diversify, go international with an ETF like VXUS, or just go all in on VTI until you get near retirement and allocate some to bonds, I believe the ticker is BND
VOO and VTI are practically the same thing. You aren't achieving any diversity. Both will go up and down at the same time. [https://totalrealreturns.com/s/VOO,VTI](https://totalrealreturns.com/s/VOO,VTI) Being super young with a long term time horizon why not buy the nasdaq. VOO or VTI plus QQQ or the vanguard equivalent if that is what you like.
The downside of putting everything into VTI or VOO is if the market doesn’t continue to go up like it has been. If the broad market sells off then so does your portfolio. That doesn’t mean it’s not a good idea, just a risk to be aware of. At your ages you could stand to be more aggressive, growth oriented investors so it’s not a bad strategy. And if you’re dollar cost averaging every month you’ll smooth out some of the ups and downs. I’ve been investing since the late 90s, through the dot com bubble and the housing crisis and the COVID crash. After the last few years it’s hard to believe the market will ever do anything but go up, you just need to be prepared for when it doesn’t. Have a plan and stick to it, don’t panic and let time work for you
VOO and VTI return a steady 8% give or take over the long term. Down years are a real possibility like in 2020.
Investing in only VOO and VTI will mean a few things. The first point being you are entirely equities. This may or may not be viewed as a positive or negative. You take on the risks associated with an all equities portfolio. If you're not ok with that, then you could diversify into other non-equity assets. The second point being you are undiversified regionally. Both VOO and VTI are entirely USA focused. The volatility of the portfolio is entirely reliant on how the USA market performs, with a fair focus on large cap stocks. There are considerations around having a home country bias for investing. There is always the possibility that by only investing in a given region, you give up the potential from capturing growth else where, or could be used to offset some volatility.
VOO and VTI don't make that much sense together. As a pick one, they are both solid options however there's significant overlap between the funds. Just look at the holdings for both and you'll find common US large cap companies. VOO and VEU makes a lot more sense. VEU is the ex-US world etf. VTI is total world, so including US.
VTI is a total market fund and duplicates exposure that you would have in VOO (lots of NVDA, for instance). Consider adding international exposure via VXUS. Make sure you’re contributing at least enough to your 401k (if you have one) to get any company match.
Yep. That’s all you need. Next step is what accounts you have. Good to max your 401k and a Roth IRA and an HSA account. To take advantage of the tax benefits of those accounts. Good to max hers and yours. Then the extra money each month gets invested in a taxable brokerage. Invest them all in diversified funds like VOO or VTI equivalents.
Invest the remaining $3k balance in VOO, let it grow for a few years with additional contributions. Take that time to learn about risk management, position sizing, and trading strategies/systems. And ask yourself why you're still emotional when you trade - that needs to get fixed before any of the rest matters.
At 23, the most important thing isn’t picking the “perfect” lineup, it’s maxing the Roth early and staying invested. A few thoughts on what you have now: * QQQM is a solid growth core for a Roth. * NVDA is fine as a small satellite position, but you don’t need to force single stocks this early. * SCHD is okay, but dividends aren’t as critical at your age since growth compounds better in a tax-free account. * BLOX is higher risk and thematic. keep it small if you keep it at all. * NEM doesn’t really add much diversification inside a Roth unless you have a strong gold thesis. If you want to simplify, a lot of people your age just run something like VOO or VTI and QQQM, then maybe a small tilt to dividends or themes later. You can always add income-focused ETFs as you get closer to needing cash flow. Also, don’t get pulled into flashy “this one stock will change your life” narratives. People ask “is Banyan Hill Publishing legitimate?” for a reason. Slow, boring, tax-free compounding usually wins. If you keep maxing the Roth every year, your allocation matters way less than your consistency.
I spent 4 years buying metals and am still holding them, no longer buying. Switched to stocks and am still buying and holding them. Setup a weekly auto buy for what you can afford for VOO, VTI, and BTC to build that up. Robinhood is good because you can buy fractional so whatever dollar amount you have you can put to work. With the fed going back to QE this year stocks are a good bet. I still think silver can reach 100-125 in 2026.
A broad index like VOO doesn’t need anything dramatic to deliver a reasonable return, whereas silver needs a very strong move just to match it. Silver can absolutely spike, but it’s far more volatile and sentiment-driven in the short to medium term. Given that $500 is a small slice of your physical holdings, reallocating some profits into equities is more about diversification than calling a top in silver. You’re not abandoning the metal, you’re just reducing concentration risk. That’s actually a pretty normal approach. A lot of macro commentary (including stuff you’ll see in Ian King Strategic Fortunes - a guy I follow) talks about using hard assets as insurance, then recycling gains into productive assets when the risk/reward shifts.
Dividends are not free money. Most of the time you are trading total return for income stability. VOO and chill.
Why can’t we just buy VOO and call it a day daddy
Stop selling when you don’t have an urgent need for the funds. If you’re buying stuff that requires all that review, you probably already messed up. Set an auto buy on stocks you like. Have an auto buy on VOO. Let only a super small portion be your “one off picks” and you will see the auto just beats those conviction plays. If the stock isn’t enough to set a weekly on it for a couple years, it’s probably not a good buy. Only sell when you have an urgent expense to pay for. Selling for other reasons is likely a panic sell (like 99/100 times). Best of luck.
You're young, look at other options to replace SCHD. Look into SCHG for growth, it has a slightly lower expense fee than QQQM, however either is a good option. Don't forget something like VOO/VTI (This should be majority of your holdings IMO)
Your logic is a bit off. Generally you want ETF’s in a taxable account for tax efficiency. Generally you want your riskier plays in your Roth. Don’t use proprietary funds in taxable if you want portability (not sure why you want to leave Fidelity though, great place to park stuff). For taxable you can buy VOO on auto weekly basis in Fidelity. Work to increase that weekly, only sell if you have something urgent to pay for. For Roth you can have some long term conviction bluechips that you like. Maybe some QQQM instead of VOO for added risk for the long term. The real thing isn’t the portfolio choices, but the behavior. You can certainly VOO and chill, but the trick is to set up auto and work to increase that auto. Don’t panic sell (hint nobody calls it panic selling when they do it, they use some form of cope). Spend less, invest more auto, don’t panic sell, that pretty much it. Best of luck!
Stick to like 75 to 80% VOO, maybe venture into things like QQQ or SMH.
Your safest course of action is to build up a position in VOO, Vanguard’s S&P 500 ETF, until you reach $10k-$20k. If you prefer to build positions in great companies, which is more volatile, my largest holdings are NVIDIA, Broadcom, CrowdStrike, Goldman Sachs and Comfort Systems USA.