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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.
Revenge traded a NFLX loss into a $700,000 MSFT profit 💰
I wish I never invested into LUNR and NASA. been waiting for a few weeks to sell, but ofcouse dip keeps dipping....
Mentions
Ngl that line ought to be a lot sharper, VOO is up like 80% the last 5 years with dividends lol. This dude would be at 250k atm
Gold and silver when I heard the word tarrifs then some puts on spaceX as soon as options were available. Now I just sit on VOO and speculative position in FIGMA.
Probably just keep going into VOO with the occasional put when we end the war in Iran again
I had almost 300k in cash and brokerage from selling the house after a divorce. I held it for a few months and went all in during liberation day. That netted me 100k before the end of 2025. I cashed out all my VOO then and went into the NEOS dividend funds because I needed income to pay for lawyers. I have up to 300k in margin I use to fund the options trading. All the options wins go into these funds as well. I'm currently at 500k equity.
VOO or VTI as the core, then tilt some into QQQM if you really want more growth
How much work did you have to do to outperform VOO? If you said nothing/not much you were gambling. If you said lots - you could have spent the time to better your life skills for other things and move on.
just buy VOO and stop wasting your time.
I swing trade, but if I had to go all in and hold for the long term, I’d go for VOO for a low risk. For a high risk I’d go for QLD.
Index funds give next day liquidity, including SGOV which returns as much as a HYSA and lets you skip state taxes. But imagine you had your emergency fund in VOO for the last year. It’d be up 15% and could handle most normal dips without losing money, and after 5 you’d be approaching almost double your principal. This is a real risk, but would accelerate someone who started retirement savings late, and once you’re well into 6 figures, the market would have to really dip for you to sell at a loss. I still keep $20k on hand, but can’t leave much more out of the market.
Imagine all the money you missed out on if you just bought a held QQQ, or VOO or any good etf for the last few years. You’d have hundreds of thousands of dollars right now .
You're right, it's trading and not investing. But this being a 'stock' subReddit I thought we could do that here, while the *investors* for the most part "VOO and chill". And my investing/trading time horizon is indeed only 3 to 6 months. To your second point: maybe. I mean, yes, you'll miss some percentage of the growth of THAT stock that you've waited for it to wake up. But meanwhile you will have participated in the uptrend of another stock where that money was put to work. No one's ever going to prove which idea is better, I was just putting out here what \*I\* do, hoping to attract some like-minded people. Take care.
Everyday leads me closer to VOO and chill
1. set aside emergency funds in a CD or HYSA 2. open a taxable brokerage account and invest what you can in VOO 3. later, once you have income, you can open an IRA account and sell down your taxable positions to contribute to the IRA. try to maximize your IRA contributions each year.
if you don't need the funds within 1 year then you should just lump sum invest. the reason I say 1 year is that even a 20% downturn in the market will almost always have recovered within 1 year and so after that point you can sell without realizing a loss. if you need some or all of the funds within 1 year then you can DCA to avoid the 20% downturn risk above. the worst-case scenario is dumping everything in VOO today, VOO takes a 20% dip tomorrow, and then all of a sudden you need the funds in say March or April before the 20% has corrected and you are forced to lock in your losses.
My NVDA shares and VOO got me chilling
Im majority leveraged into VOO, but it’s pretty expensive now, so I’ll usually use my monthly contribution to get half a share of VOO. Then Ill use whatever funds are remaining for some diversity like VUG or SCHD.
What safe ETFs are you in? Should just be VOO VTI VT.
Forget VOO & chill, it's now MSFT-GOOG & chill
Ehhh I might just buy some VOO shares
VOO as the core, with semis and space as smaller satellite positions. That makes more sense. You’re essentially getting broad market exposure while keeping some upside to specific long-term themes
25, some split between VOO and QQQ or QQQM is what you want. If you want to be a little more aggressive in tech, then take 20% and spread it across a couple of tech sector ETFs or a few individual tech names.
Reminder to never look back: I checked my old Robinhood portfolio balance sheets from like 2021, I held Nvidia, Micron, and then a lot of IQ. I sold everything when Robinhood locked buying for GameStop and transferred it all into VOO in vanguard. Could have been worse, but it could have also been a lot better.
I have been investing for a little over a year, solely in ETFs because I like the idea of the slow climb over time as well as it just being a lot less to manage. I want some advice on what I should consolidate doen to or if these are good long term plays. With that being said here are my holdings ROTH: VOO, VXUS, VGT HSA: VTI, VT Yes I am aware that there is overlap. Most of it, such as the VTI and VT in the hsa is from when I initially started investing in VTI but switched to VT to invest broadly. Started investing in VGT purely because I like the tech sector.
Check out SMH and SOXX, some more concentrated exposure to semis. SMH has lower expense ratio. Both have outperformed VOO etc in recent history. People will say semis are cyclical but I’d argue that heuristic stems from the pre-AI era when Nvidia etc weren’t household names. That said you also get exposure in broader funds and the performance gap will probably converge over time if AI and hardware continues being integrated into the economy.
I hate that it’s called VOO. It sounds gay
if youre being serious, stick to the index/VOO/IVV and chill
So would you recommend that I just invest in VOO then?
Hard to go wrong with VOO as the foundation
Don’t do individual stocks for long-term investing. Do VOO. And maybe mix in a little AVUV if you’re spicy.
Just put it in VOO. If you want a couple individuals, that is fine. But most of your money should be in a market etf.
Long term? Don’t guess, just do VOO/SPY.
Taxable account my goal is to not sell. I am 65% in VOO and 35% NVDA, GOOG, MU, IBM. I’ll take a few shots here and there but for the most part this is the plan. If you like etfs, I like SMH. Others ran up more this year but I like smh. Toss a few bucks into a space etf.
The chart shows you being up...how is that down 7.9%? Looks like you went from ~$90k to ~$105k. And if it's really DOWN 8%, idk whyyyy these ppl calling that impressive. Just bc there are tards that blow their accounts out there...being DOWN money in the last 3 years is pretty bad. My trogladitic half-sister could invest in shitcoins and decorative gourds in this market and make money these days. So ya...VOO and chill.
SPMO has been kicking VOO's ass for some time now.
Brk.b - different risk profile than VOO with insurance exposure
Given that you seem to think Grok is an AI company, I think the type of question you’re asking is a bit outside of your forte. For you I’ll recommend VOO
This is a great question! I took the money and put it into a separate VOO position in a separate brokerage account that I won’t touch until I want to buy a house again OR it will be the last money I use from my entire portfolio. Basically my next house will be what $300k in VOO is worth X years from now minus the taxes on the gains.
You, in particular, should park it in VOO after youve accepted that the market thought about that before you did and price it in already.
Sequence of returns is the risk right now. You’re buying VOO at all time high valuations.
VTI is almost identical to VOO -- look at their charts. No need to hold both. Just one more ETF? I would look at an international stock low cost index for diversification, assuming you want all equity.
Wake up 500$ in the VOO and back to sleep I go
Completely redundant picks. SCHG and VOO have 90% overlap... What are you trying to achieve by holding both? Stacking Nasdaq100 on top of the SP500 is just doubling up on 100 of the 500. Just decide whether you want the other 400 companies or not. And VTI on top defeats the purpose of buying VOO and QQQM in the first place if you're just gonna buy everything. SP500 is a handpicked list of companies by SPGI... if you're gonna buy the entire market, there is no reason to also buy this. I'll also point out that you are 100% exposed to the US market only. Nothing here is giving you any international exposure. If the US market tanks, you're gonna feel it.
You're not allowed to say SPMO > VOO in the echo chamber.
VTI makes the most sense if you're looking for an alternative to VOO
VXUS is the best answer. I sure as hell wouldn't add more large cap growth. VOO already has plenty of large cap growth.
Then keep it in VOO don’t look at it until retirement. 🤔
SSO 1-2 times a month and you’ll do well. 20 year track record is better than VOO.
Just pick VTI or VOO and forget about it. All of the funds you listed are so highly correlated (like over 90%) that it doesn't matter in the grand scheme.
If VOO is already your core, I’d probably avoid adding too many funds that heavily overlap with it. SCHG or QQQM can make sense if you deliberately want more growth/tech exposure, but I’d treat that as a tilt rather than another “diversifier”. Personally I’d think about it as core + tilt: maybe 70–80% broad market and 20–30% growth, then rebalance periodically. I’ve actually been working on an app that analyses holdings/market data and tries to make these trade-offs easier to reason about, so this is exactly the kind of question I’ve been testing it against.
You are not getting the point dude. I have 3 accounts: my long term port where I have GOOG and some Voo, which is up whatever I don't even care I just DCA. It's like a 7 figure port now. I have a 401k acc which also has just VOO. These two accounts I don't count towards my gains or whatevs. Then I have my trading account which I maintain actively. THATs up 67% or so YTD... I've explained this so many times
I like VTI, more diversified and about same perf as VOO
Yes, it sounds like VTI or VOO or some other broad ETF would be better for you.
For the core portion of an equity portfolio VOO is perfect. If you have 15 years or more until you need to start drawing down you don’t absolutely need to add anything else. Once you get within 15 years of your draw down years you can diversify to reduce volatility.
I’m at about 96% VOO. The other 4% in bonds and about 3 months of expenses in money market. If I need cash I usually just pull it from the SBLOC until I figure out where I want to source it from.
Honestly, you and most people wont beat DCAing into VOO. It is diversified enough. Put all your money there and if along the way you find a stock that you have high conviction in, allocate 1-5% into it
VOO or VTI and just that. You want to make more, buy on margin. You'll get double the gain, but also double the losses if any, and these etfs normally make at least 4 times the interest rate, so win win, unless the economy really goes down, but that's risk for you...
I thought mention of VOO was banned on this sub?
Well…VOO is up 70% in 3yrs so your 100k would be 170k by now. But you’ve done very well to not lose more than 8% in 3yrs. We’ve seen enough guys blow up their accounts on here, so there is that!
You build your emergency fund in your taxable account first. Since it's emergency first and growth second in the taxable account, i'd invest it right now - 20% to 30% VOO 70% to 80% SGOV (0-3 months) or SHY (1-3 year treasuries)
Depends on how much you can spare the money Once you reach a certain level of wealth investing should not be about chasing absolute returns. It should be all about maximizing risk adjusted returns because the future is unknowable and your wealth should generate enough income in all market conditions. The lack of correlation to other components of your future income that annuities provide is immediately accretive to your overall risk adjusted income. If you're going to really feel the loss of whatever you put in the annuity then don't do it. If on the other hand your only reason is "I could put it in VOO and will make 20% pa" then go ahead and do it.
Low fee mutual fund... So an ETF... Fees will be high, they will not perform better than VOO over the course of 15 years. Stop making it complicated.
Exactly, but while you’re still in school and not getting earned income, the only tax‑advantaged vehicle you can tap is a Roth if you’re under 50 but need earned income—so you’ll still have to wait. In the meantime a taxable account (VOO or VT) is the next best thing, especially if you keep a solid emergency fund in a HYSA. That way you get in the habit and start compounding early.
What about VOO and chill is gambling
Should I put 100K in SNDK or VOO and chill
You can also do this through Schwab. They call it "fractional shares" now. There's no fee. [https://www.schwab.com/fractional-shares-stock-slices](https://www.schwab.com/fractional-shares-stock-slices) . I tried this at the start of Covid. In the olden times, you paid a penalty for odd lot sizes. When I started using Schwab slices, I wondered if I'd see a penalty wrt spot prices. I didn't. For you, if there's some functional restriction or tax implication, it's a different story. But for me, it turned into way too much hassle. At the end of the year, I decided it made more sense to buy VOO and just chill.
Time for the hard part, VOO and forget
For the love of god put like 30% into VOO and race with the rest. At the very least.
Use the 200k in VOO for margin equity dingdong
Fwiw I did the same thing at that age, brokerage account with no earned income yet, just bought VOO and left it alone. Nothing wrong with starting now, just don't touch the taxable account once you get a job with income, open the Roth and start funding that first since the tax treatment is better, taxable just becomes the overflow bucket after that.
VOO distributions through Q3 this year are about 7% higher than the same period last year and VTI distributions are about 6.9% higher. This may not hold if you have a lot of international exposure. Are you sure you're comparing the same period? Sometimes dividend payments can shift +/- a few days depending on the year and the calendar setup.
Actively managed account - down 0.2%. VOO and chill - down 0.1% Europe Index - +1.8%
put like $200k of that into VOO cash out $85k
mine have not changed. i do mainly VOO + VXUS + XSX7
Idk what to do. I’m 92% cash and have money in VYM and VOO and that’s it
bros trading VOO options :cry:
I don't think it is evrn possible to have an anti AI position these days cause even people who only buy VOO are almost 40-50% in AI
What was your job and living expenses that allowed you to save ~50k+ a year since 2012? That financial situation far more integral than the VOO lmao. Imagine throwing all that into AMD, MU, TSM, etc instead for example. VOO isn't the magic sauce here, even if it's a great ETF.
bers just want a couple bombs and guns here and there bols want the entire middle class eradicated so their 7 VOO shares moon
Start NOW. If taxable is your only option, take it and VOO is fine. As you learn more and your investment journey continues, you can adjust as necessary. Just take that first step...it's the hardest.
> my risk tolerance is pretty [...] I plan to invest in a boring etf like VOO You will eventually find that VOO is far less "boring" than you might think it is.
But even with all the AI hype this year, international is still outperforming VOO?
If you’re not confident about picking individual stocks, keep investing in a ETF (like VOO or MSCI World) every month and hold it for decades. Don’t get caught up in macroeconomics, headlines, market swings, or wars. Just keep buying and holding. Twenty years from now, it could turn out to be one of the best decisions you’ve ever made.
I built a small free tool and would appreciate feedback from people who hold multiple ETFs. It opens up each fund and adds everything together, so you can see your true exposure to individual companies, how much your funds overlap, and your real sector/country/currency split. For example, VOO + QQQ + a target-date fund can turn $6k of direct Nvidia into about $13.7k of actual exposure. Early demo with an example portfolio: https://tryunderlay.netlify.app Main question: is this useful to you, and what would you want it to show that it doesn't?
For an average person, it's a lot easier for them to lose money on buying real estate than it is for them to lose money buying VOO in any time horizon you can name. It's also easier for people to lose shit tons of money (as in more than their entire equity) buying real estate than it is for them to lose shit tons of money buying and holding VOO. It's easier for people to destroy the value of their investment when buying real estate than it is for them to destroy the value of their VOO. Many people do renovations that REDUCE the value of their house. This is more the norm than the exception. I'm not talking about any out of the ordinary strategy, I'm just talking about buy and hold on both ends. Stocks aren't less of a free market economy than housing is, either. Stocks are much more of a free market than housing is. Housing is WAY more manipulated to slant it against poor people than the stock market is. I don't really care about your level of confidence in anything. I just care about facts.
For the geniuses suggesting that you invest internationally or more broadly than strictly in VOO, the top 500 US companies are already well diversified internationally, so you are getting exposure to global markets even just buying VOO. Spend just a few days tracking global index funds and you will see that when US stocks are weak, there is not much in the way that will hold up x-us stocks, if the US enters an asset winter, the entire world will as well. Might as well leave your capital where the strongest markets are which in this case is still VOO.
Sell all 30000. Save that 962K while you can. Buy SPY, VOO, IVV, XLK, QQQ, SMH. Don't open your portfolio next one year. Thank me after 1 year.
His best trade now would be going all in on VOO or something lol.
About to dump all my VOO. It's so lame lately.
Look at this chart: https://finviz.com/stock?t=VOO&ty=c&ta=1&p=d See how VOO went sideways from Jun until September, then went up the first few days of August and has been going sideways again? Those sideways moves are called a base. The most likely outcome of a rise and then base is that it breaks higher. Despite all the headwinds, this market WANTS to go higher. We're in 3rd Quarter earnings season now, if earnings hold up, we're going up. If the Iran shit gets out of the way, we're going way up.
So your math: Acct value is $27k, you say 10% ($2,700) is in cash and that's 2 years of RMDs so your current divisor is around 20 and your annual RMD is $1,350. I don't think it's necessarily a bad idea to keep 2 years worth of cash, but sweep accounts are usually low interest. If you are not getting over 3% in the sweep account, I'd put the cash in SGOV, even though we're really talking about a smallish amount of money so it won't make a huge diff. I think the allocation of 60/30 VOO and SCHG is fine, nothing really to argue about there. Only thing I'd say is that if I'm correct about the RMD divisor currently being around 20, don't forget you have to empty the account by the end of year 10. So if you're taking small RMDs, the account value could easily still be worth $27k or more in 10 years and if you've only been taking the statutory RMD amount in years 1 - 9, you'll have $27k+ dumped in your lap in year 10. Could have some tax consequences, but they probably won't be awful.
Nice to finally have a day where the equal-weight S&P 500 outperforms VOO
i get what you’re feeling—I bought into VOO right after the 2022 rally and saw a 3‑week dip that had me pulling my money out in my head. the thing is, the index was back above that level within a month and the long‑run trend is still upward. if you’re worried, just set a small monthly DCA and maybe hide the app from view; that way you stay invested without the daily “where‑to‑sell” mental load.
brother maybe just stop instead of losing another 2k. Buy VOO and forget it. This isn't for you.
Imo crypto is both super risky and doesn't offer you anything while you're holding it. Many equities pay you to park cash there while it (hopefully) accrues value. I like RKLB as a company, they're genuinely one of the best in the business, but as a stock I'm struggling to understand it's proper valuation. In the last year its been as low as $40 a share and as high as $143 a share so clearly the market is also unsure lol If I were you, I'd put some cash in a low cost etf like VOO or QQQ and just let it slowly gain value while you enjoy dividend payments too. You could also put some into an etf and let the rest ride with RKLB.
i found the biggest shift for me was nothing fancy—just zeroing debt, locking in a 3‑month buffer, and then slamming the rest into a low‑cost total market ETF. i keep about 6k in the HYSA because the contractor side stream feels a little shaky. once that’s covered, every extra paycheck goes straight into a VTI/VOO basket and i let the comp do its thing. the fact that you’re already debt‑free means the math is on your side—just keep the 15‑30% haul and grow. at 70‑80k a year you can hit 100k in a few years if you stop treating the account as a “savings” and treat it as “investment”.