Reddit Posts
Anyone else considering increasingly moving to short term govt paper in their tax-free accounts?
I have 11k in stock and I am 20 years old. Where do I invest?
Investing $100 a day - what would you choose besides VOO?
Investing $100 a day - what would you choose besides VOO?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Once again S&P1 seems to be the best long term strategy over the S&P500
I have been DCA’ing into VOO since 2012 and now I’m rich.
VOO Performance Lately / General Investing Approach
After playing options, my net worth is currently 30$
Isn’t concentration actually proven to win over the long term? .
Any advice from experienced investors
At what point is qqqm better than voo for young investors?
What ETFs or Index funds are y’all thinking about bidding on? I really like VOO as a long term play for myself
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
When I put $5 on a stock I win , put $50 in I lose almost every time.
Mentions
Meh, derisk is never bad. I rotated all SOXL into VOO due to vibes decaying.
lmao, I rotated to almost straight VOO for the weekend.
If you believe in the investment and also understand that it goes down just as fast, then that's up to you. I personally keep my Roth IRA in more traditional methods as you are limited in how much you can add each year. VOO and Target Date are my only Roth IRA categories.
What’s the case for bitcoin over something like VOO?
You’re fine since you’re young. I’m 45% QQQ 10% BTC and 45% VOO
seeing your VOO go up $40k in a month must’ve been surreal 😂 but the part about time being your best friend really hits at 23. sometimes it’s hard to remember that building wealth is a marathon, not a race. appreciate the advice!
My VOO fund went up by $40K from mid-April to mid-May, so up by $10K per week on average, and I’m only 33 y.o. Time is your best friend when you’re young :) ignore the news and keep investing. Time will do the work for you.
Most of my retirement is VT. I'm looking at allocating new funds in a new way to give beating portions of the index during hard times my best shot. I'm still at the drawing board! Which 4 funds would you recommend? VOO (or SCHX), AVUV, SPDW, AVDV?
May be some risk management rules help you. Calculate possible peaks, and deploy portion of cash to stocks, like 10% or 25% or 40% or 75% depending on the stocks and DCA when stocks/etfs goes down. For example (may not be yours, but for example): I invest 70% in VOO and 30% bonds, whenever VOO goes down 5%, I rebalance with same 70:30 ratio like that.
There's little overlap aside from the broad market funds which were intentional. The one hole is midcaps. Since Oct of 2021 which is how far back the avantis funds go, the US portion of the portfolio would have returned 16%/yr compared with 13.5%/yr VOO and 12.2%/yr VTI My international holdings produced 13.6%/yr in that time also outperforming VOO alone. SPDW had a 10.1%/yr over that time. Combined, this port produced 15.3%/yr outperforming VT's 11.2% I had Muse do the calculations because it has access to necessary historical data.
“How realistic is doubling an investment over 10–15 years without taking excessive risks?” This is a very realistic goal over that time frame, and with a number that big I’d start with at least 80% of that in an index fund like SPY or VOO. If you don’t own a house you live in now for sure use part of the rest for a down payment on a place you can afford. Both of those investments have proven great for me, as was a business.
Easy, Invest it in VOO which will most likely exceed that, or if you want a guaranteed thing invest in %6 bonds over 15 years will also slightly exceed that.
An actually responsible bear doesn’t pull out of stocks or short, but derisks. I’m moderately bearish, but all I’ve done recently is pull out some QQQ and VOO to put into VT.
I like the intent, but I'd pressure-test the "meets or exceeds VOO with broader downside protection" framing — that part reads like having your cake and eating it. Value and momentum are fine factors, but neither is a downside hedge. Momentum has had notorious crash episodes, and value has gone through multi-year stretches of underperformance that tested everyone's faith in it. If you want actual downside protection, that's a low-volatility or quality tilt, not value/momentum. The other thing I'd check is how much of this is just the S&P 500 wearing a trench coat. With 23% SPMO + 23% AVLV + 13% VTI plus the international large-cap funds, there's a decent chance the factor exposures net out to something close to market beta with extra expense ratios and rebalancing headaches on top. Worth running the actual overlap before assuming you're diversified. None of that makes it a bad portfolio — AVUV/AVDV are solid, well-run funds. I'd just calibrate the pitch: the realistic expectation is roughly market-like returns with different tracking error and hopefully a modest long-run factor premium, not outperformance plus protection. And in the brokerage account, rebalancing by addition is smart — keeps the tax man out of it.
I’m in VOO and QQQM. I invest $1K/week alternating between them. Anything extra I put into specific stocks like PLTR or SPCX. Even if the market tanks…QQQM is still the path long term. All tech is here to stay, forever. If not planning to retire in the next few years, welcome a tank in the market…especially on the tech side. Then you just keep buying that QQQM indefinitely and reap the rewards when it bounces back.
here is how to trade options: You put all your money (savings, paycheck) into something like VOO. VOO pays you dividends. You take 20% of that dividends to trade options. If it goes well, fine. But if it goes against you, fine too because it's just pocket change anyway.
60% VOO, 30% QQQ, 10% on whatever you want. Once the 10% hits your target e.g. 100k, rebalance back to 60%/30%/10% and continue on. Don’t buy options unless you have very high conviction in a move occurring, only sell options. If you don’t wanna sell options, just trade shares, no positions above 10% of port, rebalance if it happens. No leveraged ETFs because of vol decay unless you have high conviction in a sustained directional move. Set rules for yourself around psychology to take the emotion out of it e.g. if you’re waking up thinking of a position, it’s probably too large/risky for you and you need to reduce position size to more manageable
I rotated into VOO & memes lol
I feel you brother. I was just having some fun at your expense. In all reality, just stop gambling with options and 0dtes and put your cash into some *relatively* safe etf like VOO or VTI or the like. Hope you do well from here on out.
maybe. I rotated out of leveraged shit before close into VOO
I think it’s time you throw in the towel and just VOO
You are 19. Not the end of the world although I am sure it feels that way. You should VOO and chill.
Lol, no, its gambling but if you think we will be rangey next week I to the following week and still belive we will make another nice run to ath before a bigger correction in November as I do, then its not that terrible of a bet. I have some dry powder as I sold off some boomer VOO and other index funds on the 7th, at a decent high and am looking to redeployment for a quick buck https://preview.redd.it/m62ra824siuh1.jpeg?width=1439&format=pjpg&auto=webp&s=43794e4895279f4be8c08c66091b42f9ba0e6390
Next week up or down week? Was unsure, so punted almost everything into safety of VOO
You sound dumb when you make this kind of comment. It goes into SPYM, no different than going into VOO.
I am now the proud owner of 6! Shares of VOO
Yep. Market is largely set it and forget it for most ppl with more widespread etfs and now bot trading. Leverage allows more leverage which allows more leverage too. Ppl underestimate how much ppl are just “diversifying” thru VOO auto buys etc. So much “welp I guess this is a good trade and the gov will always bail us out”, even amongst high end managers. The PROBLEM is we have not had a reason to stop (other than pesky logic and prudence)… so we keep going. 20 years has given us no consequences and a lot of “waaa daddy gov bail me outs” Which has led to a new environment that ppl refuse to fully recognize or understand When this corrects or even massively plummets to off tbe cliffs of insanity - when - then hindsight will be 20/10. Everyone will say the knew the issues but hide the fact they lost their shirt or home bc they didn’t have conviction to ACT on those “I always knew this” instincts lol 2008 was just a warm up. And 2020 made gov seem like it’s spelled with a D instead of a V. So ppl worship the markets god as infallible. When the lesson happens, and it could be a month or it could be 3 years - ppl will be so shook that they will possibly not trust the system at all. Even when the system rebuilds from the bottom. Or hey. Maybe we will jsut inflate aways the lower classes (and I do mean anyone making less than 10 mil a year) and become an aristocracy. We always were jealous of Europe. 🤣
Thank you for the recommendation. I usually VT/VOO and chill but yesterday i had a gut feeling and decided to throw something into this.
According to Google VOO annual fee is 0.03 percent per year. ?
1%??? So the ER on VOO is 100 basis points above VTI? I’m skeptical but don’t care enough to fact check this either way.
There's no way to avoid the taxes, however, you don't have to pull it all out NVDA or any other stock. You can sell a quarter or half or whatever amount and let that ride until next year. I don't think you'd have to worry much about NVDA dropping to zero any time soon. So where to put it into something less risky? Probably an ETF like VTI, VOO, and other such funds which are a basket of stocks. If one goes down, another probably is going up that day, so they are diversified.
VOO and chill baby. Probably gonna be a correction at some point but it'll be an opportunity to get things on sale.
Old habits. I guess I’ll DCA into VOO
u must have a VOO (VT preferred imo) account where u do not have any opinions. its a hedge against your opinions being wrong
I want to take all my cash and just VOO and chill. Retire from this place. But I also know this market will correct the day I do that.
I have a lot of money that I want to VOO and chill but I’m waiting until 2027 to see how all this pans out.
For 10 years, better off buying VOO (and chill).
i heard about that SPCX pull‑and‑push saga, and while a $75k swing win is kinda sweet, the 10‑16 puts you dropped need death‑gasp patience to die off—or better yet, a stop‑loss. three traders say a plain long/short may do it, i kinda agree; the sweet spot for a lower‑middle‑class gambler is keeping a chunk in a broad index or a covered‑call fund, not chasing the next 10% move of a SPAC that just came out of stealth like a bad surprise. if you’re setting the kids’ future on top of this, a couple of VOO shares vs. a tuna‑soup of options could get you more peace of mind than a 2‑day swing. dont forget the employee‑share lock‑up will probably dump the price if the company rides out the season, so a more defensive hold might be… helpful.
If he had held 800k in Robinhood's high yield cash he would have been making 2.4k/month and could now rotate those 800k into bonds and get 3.66k/month. I think that is more than enough to retire, but if you think it is not that interest is enough for a decent bet per month. VOO would not pay dividend high enough to retire.
Regard put it in VOO and you can retire
That sounds like a solid approach. With a long-term horizon and moderate-to-high risk tolerance, VOO as the core holding makes a lot of sense. I’d probably just keep contributing consistently rather than overthinking the entry point. The bigger advantage is staying invested through the ups and downs
Honestly, I was mainly comparing them because I was looking at the balance between simplicity, diversification, and tech exposure. VOO is probably the best fit for the set-and-forget approach, but I was curious whether the additional tech tilt from QQQM or the broader exposure from VTI made more sense over a 5–7 year horizon. Not necessarily looking to move away from VOO just trying to understand if there’s a compelling reason to.
Warren Buffet recommends investing in 90% VOO and 10% BIL even despite this: [https://www.investopedia.com/how-warren-buffett-s-90-10-rule-offers-a-simple-investment-strategy-for-everyday-investors-12067531](https://www.investopedia.com/how-warren-buffett-s-90-10-rule-offers-a-simple-investment-strategy-for-everyday-investors-12067531)
ohhhhhh so CULTURALLY lower-middle. thanks for sharing your story and your service. for the love of god park a chunk in VOO and forget about it.
Hey, saw your take on VOO vs VTI and QQQM. I like the set-and-forget approach, but now I’m curious what originally made you compare the three in the first place. Are you looking for something different from VOO, or just second guessing it?
VOO has been a disappointment for me so far. I put some in QQQM and VOO and Q has been eating its lunch and asking for more for months. Hopefully in the big pic that will change. I am an impatient person, though.
There is no such thing as low risk. Everything has trade offs. The market doubles every 7-10 years. If that 100k is there for 7 years then it could have been double in simple VOO. That is the tradeoff. Let’s say hysa gives you 20k over those 7 years. You will have have 120k vs 200k. And then there is the effect of compounding. You don’t get to 21 years invested without getting through the first 7, etc. You’re a business owner. You’re likely too risk averse (ironic considering own business is riskier than VOO). Find a trustworthy pro to discuss these things with. But in general, auto invest part of your income and don’t panic sell is how it works. I personally don’t like hysa, much prefer SGOV in a Fidelity account. At least the brokerage will compare to benchmark and you can see what you have up compared to sp500 (VOO). Banks don’t give you that analysis, they just let you get eaten up to inflation (their business model). Best of luck!
I moved to VOO and chill a while back and it's the best.. I actually took some profits on the recent run to buy a car. Welcome to the easy life!
If you don’t know enough to pick individual stocks, what makes you think you can pick an ETF? IMO just VOO or VTI and add some VXUS and you’re done.
Take two, Trimble, Reddit, micron, and VOO
holy fucking shit, where do you people get so much money to lose? If you put that shit in VOO and chill you'd be living life in easy mode.
For anyone interested in more diversified investing, there are equal-weight SP500 ETFs. It is misleading to assume that buying the SP500 is only VOO, SPY, CSPX, etc.
Because he still wants risk that’s why he went all in a qqq equivalent, not even VOO.
i tried to focus on individual stocks a few years ago but then realized i don't have the time, energy, and dedication to do so. i'm just throwing all extra cash into VOO (sometimes VXUS) and hoping for the best
If you invest 500 bucks into VXUS monthly starting at 18 as a retirement strategy, when you get to 65 you can expect to have 2 million bucks. Over that time, you will have received somewhere between 60,000 to 90,000 dollars in foreign tax credit plus around 3k to 5k every year going forward. Thats pretty significant and all simply because you chose to split VXUS with VTI or VOO or some other ETF instead of VTI. One simple change. Not sure why you arguing against doing it when it only makes you more money
Ok so i have everything in VOO and make 50k in a few months. Its happened before and I dont sell because I want to retire one day.
I’m burning out. So close to doing VOO and chill… See you in the morning.
I like VXUS. OPs alternative was VOO. I’d always add VXUS.
Speaking for myself, I signed up and got my daughter the initial $1000 from Treasury and have been adding since. Low income parents don’t need to know about VTI or VOO. The money is automatically invested in SPYM for them.
This account is irrelevant to most people. It’s not exactly easy to max out all of the accounts that are already offered. IRA, 401k, 529, that’s 50-70k to max all of those out. So what is the point of this account? The people that need it can’t afford to take advantage of it and the people that can take advantage of it don’t need it. Most people, especially people not interested in finance, will just stick with whatever they already invest in, if they already have SPCX or Dell they’ll just continue investing in that. Most low income children and their parents don’t know about VTI or VOO. Maybe the gov also begins donating to these accounts and investing in the current stocks in the account…SPCX or Dell. So those companies get huge influx of capital that is not going to be pulled anytime soon. Let alone I have a huge suspicion that billionaires and the charities that they created, (bequeathed some or all of their fortunes to) will find away to bypass the 5000 account requirement for donations so they are able to consolidate their wealth in Tax free accounts ala Peter Thiel. Scooping up tax breaks all along the way. Why bother moving your money around the world when it can be tax free domestically?
Buying safe ETFs like VOO is good. Using tax payer money to individually select stocks is terrible.
I’m 100% VTI. I don’t understand the hype of VOO.
All the VOO posts getting downvoted by the VT brigade.
VOO & VEU. Stick with the big boys!
s old? and youve already got retirement accounts and a ten year macro thesis going? jeez. look, nobody knows if the sp500 underperfoms over the next decade. nobody. the exact same people saying it now were saying it in 2014 and then just sat there while VOO compounded double digits. VXUS has been about to break out for as long as i can remember, every year theres a fresh thread about how international is cheap and then it just doesnt happen. small cap value guys do the same thing, they all quote the same chart from 1926 and wait. you have like 50 years, buy VTI or VOO and stop, throw in some VXUS if it keeps you from fiddling with it every month, the real mistake here is thinking anyone can call which decade belongs to who
In that case, buy large quantities of AAPL, GOOG, CRWD, MU, and VOO. Like minimum $100M of each.
VOO and chill. Say you start investing today. The absolutely best thing that could happen to you is a long, sustained underperforming period. Why? Because on your long horizon, you'll spend the early years buying while the market is on sale. I kid you not; S&P500 and pray you are right. In the short term it would look fugly but in the long run you would do great
invest it slowly into VOO for the next 40 years
By VOO. Small caps are going to get steamrolled and I don't see how international will outpace US Mega Caps. Power is consolidating, not widening.
\> Given inflation, rates and how heavily weighted to AI the markets are, it just seems irresponsible to be heavily indexed to VT, VOO Totally backwards thinking.
Who gives a shit if concentration is bad. It ain’t NDVA’s fault that other 499 companies suck. You chose to blindly put money into BAG 499 by passively investing into VOO. Stop whining!!!
> Every two weeks, millions of automated 401(k) contributions and retail DCA accounts buy cap-weighted funds (VOO, SPY, IVV) completely price-inelastic. For every $1 that enters the index, roughly 34 cents is funneled directly into the top 10 mega-caps, regardless of whether the 10-year yield is at 3.5% or 4.5%. That mechanical buying pressure has insulated the top 10 from macro gravity, which in turn masks the macro reality of the other 490 companies. I don't understand all this conversation about the S&P500 when the majority of the global population doesnt invest at all. Only a small percentage does. The S&P500 has negative performance when there is a crisis and i don't see an ongoing crisis right now. Can a crisis happen in 6months? Probably, but for sure this year is not likely. If there is a crisis next year, then you can be sure the S&P500 is going to be negative.
A 30% drawdown in VOO is the least of your problems when a quarter of the portfolio is your employer's bank stock. 2008 showed how that one ends for people whose paycheck lives in the same building.
Sell it in tranches. Pick a small % to sell each quarter. Or sell 10% when it goes up another 5% or something. Then sell another 10% when it goes up another 5%. You can still get exposure to nvda in other ways like VOO or VGT
I got my $5,000 check this morning (promises fucking made - promises fucking kept) Should I full port it into calls today, or just throw it into VOO?
Thank you for the insightful advice! To answer your question… I have a long-term time horizon and a moderate-to-high risk tolerance since I don't plan on pulling this money out anytime soon. I'm planning to focus on VOO as my core holding and stay consistent with regular contributions
Thanks for the great perspective! I'm planning to stick to an S&P 500 ETF (like VOO) as my main long-term holding and commit to consistent, regular contributions
Thank you so much for taking the time to share such detailed and thoughtful advice. The long-term perspective on market timing versus time in the market makes total sense. The automated broad-market approach (VOO/VXUS/VXF) sounds like a very solid, low-stress strategy I'm planning to set up biweekly buys for **VOO** as my core index holding based on your recommendation
I'm a pussy and don't actually gamble so take that for what it's worth But you know, you just sell and put it into VOO Stonks only go up but not all of them and not all of the time and not forever, you had a wild run, time to move to a safer allocation That way if AI boom continues you'll still profit on all fronts (Mag7, lab IPOs, memory, optics) and you're protected from NVDA risk factors (AMD/Intel somehow catch up, everyone diversifies into their own TPU/ASIC, Jensen specifically is found to have done some light fraud, new tech makes inference drastically cheaper, etc.)
Started in 2017, originally gamer also believing in the company and started buying more shares over the years as I started on my career. North of 3800 shares at $152 cost basis. I sell covered calls on some of it through earnings on occasion. Outside of NVDA and AAPL, I’ve simplified my port to VOO because beating the market without luck isn’t consistent
This is not clever. Sell to pay off the car. There is not tax write off on car loan interests. Do a swap into VOO for tge college debt. That is barely 50k.
I’d be scared not to sell and diversify. Maybe sell a portion in 2026 and the other in 2027 to split up tax burden. I would def diversify a bit into something like VOO.
Yep, if you make that much (well done), I would sell some but probably not all off. I did that myself because I just wanted more diversification. Had 950 shares, sold all but 350 of them. But I put the money into FTEC and VOO, which have large-ish NVDA components anyway, as well as the whole ecosystem around them, so still in that "halo" to a lesser extent.
After this long… yeah you suck at it. Buy VOO and chill
> The rest is index funds VTI, VOO, VUG. But I feel that really isnt as diversified as you think between your single holdings. I feel you're kinda double-dipping with VTI/VOO, maybe more than you think; I dunno...
If you're starting out, a broad index fund like VTI or VOO gives you exposure to the whole market without needing to time anything, and that matters more than whether AI stocks are bubbly right now. Sitting out long-term is usually the bigger mistake, since time in the market beats waiting for the perfect entry. What's your risk tolerance and time horizon look like?
not my main job either, which is why I want to know if I beat the market or just buy VOO and forget it that quarterly starting-balance math works fine if new cash is small relative to the total portfolio, but dropping a larger deposit mid-quarter skews the annualized percentage. on tracking retirement - you can be losing but still making progress if you deposit enough.. doesn't mean you shouldn't just buy the index. I've been obsessing over this clarity question for non-pros like me and solving it by leaning on my software engineering skills but curious how others think about that so appreciate the perspective
The saying is that cough medicine is not effective unless it tastes absolutely disgusting. In other words, if the fund isn't "doing something to justify their clients trust", then the rich idiots will go find a fund that massages their ego and is over-leveraged / over managed, even if the vast majority of them underperform VOO.
None of these funds can compete with VOO
The real move is passive, long term, investing. Stop trying to time the market and be happy with what the S&P 500 returns. We’re up 14% YTD. If 14% isn’t enough for you add some risk. I have SMH, and VGT on top of VOO and I’m up 25% YTD. The only trading I really did to get that is buying the March dip with about 30k.
all the regards here instead of buying SPY or VOO could have done LULU and NKE chill
Missed my monthly VOO buyin opportunity. Smh
Hey that’s me! I have Microsoft, Apple, NVDA, and AMD. And that’s half my 815k portfolio 🫣. The rest is index funds VTI, VOO, VUG. Ever new dollar I get is going into index funds for safer diversification
When the strongest markets have outrun their underlying fundamentals for a decade they are unlikely to remain the strongest markets in the coming decade. International markets offer discount valuations and likely will be the "stronger" markets over the next decade because of VOO's current historically large valuation premium.
You need to time weight the returns. If you invest $1 a year ago, and then $100 a year later, and then check the growth of VOO a day after that, the total returns won't tell you anything.
On the same day you make your real money purchases deposit the same amount into VOO in a play money account.
Depends on you really. In sorta risk averse so I usually take profits at 20%+. If I woke up and saw this I would probably at least sell to make up my initial investment x2, then maybe scope it out to see if I thought leaving the rest was a good idea. Personally, the money would be better spent on VOO and QQQi