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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
Human nature. Let me tell you my story. I bought tesla puts for 10k and it dropped like crazy. I turned it into 400k at one point and do you know where its at now? Its 0. I gambled hard daily and thought i was a genuis. Hell I was looking at chart pattern, job report and thought the stock market was totally predictable and called other an idiot for losing. The stock market is really just unpredictable and it can act irrational for years and years. What im trying to tell you is just hold index funds and chill. Im not smart enough to beat the market and neither are you. Unless you are given God given intelligence. You won't win. I also have a friend who has 125 verified IQ and even he cant beat the market. Its just extremely hard and unpredictable. Dont make the same mistake as me and just invest in VOO and chill bro
1k into VOO, and yolo 10k
Turned 1k into 19k playing options. Definitely was luck, not skill. Should I walk away or keep playing? Thinking about taking 3k out for the tax man, buying myself something nice for 5k, putting 5k into VOO, then playing more options with the remaining 6k. Or just pay the tax man and roll everything into more options. Thoughts?
SNDK rose in the past because even after huge growth it has a forward PE of 15, while making a product investors think will continue to be desired. Obviously it is not as good a buy as it was six months ago in hindsight, but it still seems likely to outperform VOO this year. ASTS is partly just a short squeeze.
The market movements of a day are completely meaningless over a span of 25-30 years (which is about how long until you begin accessing those funds). So long as you believe in your investments then ignore any short term trends. VOO and Target Dates are proven long term investments. Just circle back once a year to make sure you're still happy with your allocations.
Some tips: read the wiki here https://www.reddit.com/r/personalfinance/wiki/index/ Also get a good every day finance book and read it. Look into Boggleheads and debt payoff methods ( if you have any). Some books: Rich Dad, Poor Dad," "The Psychology of Money," and "The Intelligent Investor. For long term, look into pre and post tax solutions, like the 401k or sole proprietor solutions. You might consider a 401k or similar pre tax to bring down your taxable income and if you think you'll be in a lower tax bracket when you retire. You consider a ROTH when you think you'll be in a high tax bracket when you retire. For short term and money you can liquidate, for longer holds large low fee ETFs, like VOO. Just buy some every week or month and dollar cost average, as you get older closer to 50 for example mix in bonds. For very short term, emergency fund, etc, you want a high yield savings account.
Advice to new investor is for now dont pick stocks or trade on narratives. Get VOO, VONG - index trackers. Prioritize getting as much money in your ROTH as possible and put it in those for now/dont touch. Use no more than 5% of your total investments on hunches or new strategies at a given time while learning or when pursuing a narrative bet for at least a year. Use that much smaller pool of money as a test pool for new strategies. If they are beating voo over a reasonably large sample, that's when you can start SLOWLY expanding. I find its very difficult to beat buying large caps (occasionally mids you know thoroughly) with 30%+ to WIDELY COVERED reputable price targets and then holding them as long as targets keep rising. When I am putting new money in, the mag 7 furthest below price target is one of the first things I check. And I still keep half the money in indexes.
Here’s what you should do: 1) Sign up for Gold and put those funds into an IRA and get the match. *Make sure you then invest the funds in an index fund like VOO.* 2) In the Gold brokerage account, take advantage of the free $1000 margin. Use the HYSA funds you have plus the margin to buy SGOV. (So if you have $750 in savings, then buy $1750.) This will lead to comparable growth as an HYSA. 3) Apply for a Gold credit card. If they give it to you, this will be 3% cash back on all purchases, which is a better deal than you’ll find anywhere else. Put all your purchases on this card and *pay the credit bill in full every month without fail.* Note that re: 3 they may not give you the credit card. And that re: 2 there will be a margin maintenance requirement; while the $1k margin is free, if you don’t have any other funds in the account they can still prevent you from this strategy, meaning just holding the money in cash in the account is fine. Ask the Robinhood support how this would work in your specific scenario.
If VOO tanks, I will buy the discount. I told my son recently that if the market crashes with all the insanity here, I’m still buying. Because 1) either the dollar goes to absolute shit and is worthless OR 2) it rebounds and those investments see huge profit. But if option 1 happens, the least of our worries will be money lost in the stock market.
VOO literally did 17.82% in 2025. I have no idea what you are talking about. And of course I’m diversified ex-US, but again, 1 year is completely irrelevant.
My advice is to never change a current account. What's in VOO stays in VOO. My IRA will always be based on the broad US stock market. In my brokerage account, I can choose to change where my future dollars are allocated, so I might look at crypto, gold, option trading, specific stocks, etc. But i never change or transfer any of the funds in my main account. Also, look at your timeline to retirement. At 36 you likely have 25-30 years of work life before retiring. Why do you care about a short-term possible dip in the stock market?
But it's not even, if you had put the original principal in VOO you would be up 350%.
"I'm allowed to reallocate every 6 months (Jan 1 and Jul 1)." No? You aren't allowed to re-allocate, period. You aren't out smarting anyone, you lost money by doing it your way. Stick to a plan and stop thinking you can time the market. "I’ve committed to 50% VOO, 50% Vanguard Target 2065 (because I want international exposure)." Then stick to it then. Don't open your account for a year.
You are too young to have any bonds IMHO. Accept a possible 30% drawdown in an all stock portfolio, or a bit less with 10% bonds, and check back in 20 years after 12% compounded gains. You will have literally life changing money. Just do VOO/VXUS or VT. Every time you get the urge to time the market, zoom out. You will see up and to the right. And now is not the time to not be fully invested, the money printer is on and you need to hold assets like stocks.
What good would it do to change my mix? If VOO (or a similar fund) crashes, the .gov will simply print money to shore up the market. Wonder what’s going to happen to my dollar assets? The only time I’ll change my mix is when I’m approaching retirement.
Literally every other Redditor's advice on here is VOO and chill. One would think that the smart money is already taking advantage of that basic strategy.
>invest in VOO or some shit like that. That sounds kinda like recommending a condom to someone that already has the clap.
Everyone was calling him regarded and those more polite and smart one senior traders were advising him to cut his losses and invest in VOO or some shit like that
You have enough to VOO and chill for the legit rest of your life....
But one share of VOO or SPY. Read about the Intel man’s Nana. Move slowly. Get a tiny bit of skin in the game and you will follow it more. And yes, they lose money.
Right now I’m mostly in VT which does help my anxiety to know there’s some diversification there - I’m glad I’m not straight VOO (it was tempting but I was just too risk adverse.) I’m thinking of putting my money into VXUS for a bit and then sitting down to do the math to rebalance into a cleaner VTI/VXUS portfolio that better matches my risk appetite - but maybe when I’m not feeling so panicked and am feeling a little more clearheaded.
That’s a fair point. Trying not to panic but it’s only been the past 2 years where I could really start investing more aggressively and actually fund a Roth IRA. I’m getting anxious that everything I’ve put in is going to get wiped and because I didn’t have much saved prior to 2022/23 (just around 50k), it will all get decimated if we end up crashing to 2022 or even earlier levels. If I hadn’t gotten such a late start on retirement, I’d probably be a lot more chill about these levels. I’m glad I’ve been more focused on VT and less on VOO/VTI during this period at least, so I have some built in diversification. This Greenland shit is making me anxious though.
You are not going to lose anything. Just open an account through fidelity or schwab whichever you prefer. Make two accounts 1 Roth 2 taxable brokerage account Takes ten minutes. Then add a deposit method (link a checking account) It's usually easier to transfer money from bank to taxable brokerage - then transfer the money from taxable to the IRA That also takes about two minutes. Give it like 3 days maybe four. For the accounts to get all set up and then buy some ETFs like VTI or VOO or whatever. Keep adding money. Keep buying more. Easy. By like the tenth day - call the place where your mom created the custodial account and tell them you want to transfer the shares to your new taxable account. They should be able to help you do it in a quick ten to fifteen minutes phone call. Might need your mom to be present to verify she agrees to transfer the funds to your new account (In most cases they only transfer full shares so if you own any partial shares you might want to sell those and just transfer the cash.) But you could also call schwab and ask to verify that before you make any decisions.
Looks solid for long term growth, just be aware VOO and QQQM overlap a lot so position sizing will matter.
VOO will make this subreddit very happy. Minimal international exposure will need to be addressed. NLR is supported by your thesis. However. It holds a very high Expense Ratio, and about half those companies aren’t profitable. Just selling promises. If you wanted to do a thematic ETF for it, you could do URAN. It’s smaller but its Expense Ratio is about half as much.
if your Canadian buy VFV and american buy VOO. stop trying to pick single stocks
What I think the main downsides are.... US-only exposure and heavy tech concentration. In my opinion, you miss global diversification and could get hit hard if US markets lag. Because- 1. No international stocks means currency risk and missing growth elsewhere. 2. Overlap between VOO (S&P 500) and VTI (total US) with 80% same holdings wastes diversification. 3. Small/mid caps in VTI add volatility during downturns while mega caps dominate returns. Consider adding international ETF or bonds based on your age and goals. What's your time horizon?
My mistake was every single thing I bought that wasn’t VOO, AFL, or IBM. Even worse, I sold some of those three and lost out in a lot of gains. Dumb.
VOO DCA is the way after a run like that
lol no worries it surprised me too. The only reason I realized this is because around 30% of my Roth is in Google and the rest is in VOO, but my breakdown showed 0% in tech. When I checked, Google fell under communications lmao
Index funds really cater to the lowest common denominator bc wtf is this comment lol. Everyone here is aware of VOO lol
Pls start a 24k paper challenge for us regard, i need that 200k and the VOO stuff
Don’t be regarded. VOO and chill.
>i dont want my life to be anchored by nursing positions I feel you. And especially above where you say "I'm tired. so tired" The roller coaster takes its toll. I have life changing gains like you, and also like you at the cost of hours and hours a day and a roller coaster over 5 years. I'll always be making some trades, and I enjoy it when it's small amounts and a hobby. But right now I'm just looking forward to being able to hand 95% of it over to VOO and forget about it permanently. Getting close to stepping down, turning off the laptop for a month and clearing my head.
If you all your accounts are at Fidelity, then I would also reconsider holding FNILX, SPY, and VOO. Both SPY and VOO are essentially the same thing. FNILX being a large cap fund is going to be very close to them in performance. Holding all three of those doesn't really give you any extra diversification. I'd personally opt for just FNILX for a Fidelity holder. That doesn't mean selling SPY and VOO to move it to FNILX, if that would result in a tax bill. You could just contribute future contributions to FNILX.
Why do people think you can just buy a multifamily complex as an investment and it’s guaranteed? I didn’t see you study how to manage them, even hiring a property manager carries a lot of risk. Better to just put it in VOO.
Need advice (Fidelity Specific) Still have alot to learn about investing. I'm a new anesthesiologist with about 250K saved (150K in 401K from residency and 100K in personal stocks), no debt, high annual salary, no major expenses except rent. My personal stocks are all a mix of FNILX, FTIHX, FXAIX, FXROX, SPY, VOO. Also have about 15K in SPAXX instead of a high yield savings account. Currently set automatic 2.5K every 2 weeks to buy those stocks above. 1. Any advice on what funds I should in regularly? I want to be very aggressive 2. Is parking my money in SPAXX fine or should I get a high yield savings account? I like seeing everything in one place 3. Any other advice? I can afford to put more than 2.5K biweekly if I want to be even more aggressive
You ever see Wolf of Wallstreet? Nobody knows what the market's going to do. Pick an ETF like VOO and max out a roth IRA of it every year. Other than that pick companies you like and believe in to invest in a separate taxable account for fun like robinhood.
I think RSP will overtake VOO this year.
348k into VOO and you are set for life? Explain
We need a VOO and chill sub or casual thread for former degens
VOO? Don't become gay like the guys over at r/investing.
Hey I have roughly the same amount and I'm really new to investment. Can you give me any tips on where to go from here? You said at the end you're going VOO and dcaing. Can you elaborate more on that? That'd be such a huge help for me. Thank you so much
I ran a comparison of QQQI to VOO, and it seems to out perform VOO during up to sideways markets. I'm less sure that QQQI is really defensive in a down market though. Both were down about the same amount during the 2025 tariff scare, but that only lasted two months so not a great indicator.
Just because you can't do it doesn't mean it can't be done. You must be one of those "VOO Boos." "And I .. had... The time of my life. And I owe it all to VOO." Lol
Taxed differently than short term, but sure, we could also buy 500 stocks instead of the VOO
Bought $450,000 worth of shares in RDDT and HOOD 5 months ago. Today I have $2,000 in losses to show for it. Literally just putting it in VOO would've netted me $32,000. Just buy and hold... right guys...
just buy an etf like VOO then
Not saying this is a good portfolio, but the 15 year drawdown I believe you're referring to is from 2000 (dot com boom) to 2017. Thing is, the entire stock market of the 2000s was ass and the S&P500 itself took from 2000 to 2012 to recover. If you look at the biggest holdings of VOO and SMH, they are not that different or disconnected at this point. Both have NVDA at #1 and AVGO in their top 10, but SMH has more semiconductor hardware companies whereas VOO has magnificent 7 companies, which are buying from SMH companies anyway.
All of those stocks listed will either moon or crash all together. If you want to de-risk move most to VOO, let time do its thing, and thank yourself when you are 50 and retiring early.
lol what's not shown here is a sizeable amount in VOO. I placed enough in less volatile index funds to match the "savings by age" benchmarks for retirement while the rest is for me to play darts
VOO is just Vanguards top 500 US companies. Other brokerages have nearly identical options.
That’s fine too. Most people learn with VOO
Why not buy index funds like VOO that track the market and invest in all the top companies including Google and Nvidia?
agree on friction being the real enemy. Automation solves more behavioral problems than most asset debates ever will. The panic part you mentioned is interesting though. Do you think that’s a VOO problem, or a position size and expectations problem once the numbers get large?
It’s about the muscle memory and the habit. Having an auto weekly is like hygiene, like brushing your teeth. If you can learn VOO and chill early, then later you will experiment, then later will come back to ETF’s on auto (when you touch the stove a couple times and smarten up). We all go through it. It is the auto invest and don’t panic sell which are the hard lessons. Half the people in this sub panic sell and don’t realize they are rationalizing and calling it something else: being like buffet and being cash, rebalancing, pivoting, protecting myself, taking profit, you name it, they use it as an excuse. Sell only when you have something urgent to pay for, otherwise you likely just panic selling. Learn this young…
So you wouldn't hold Google, Apple, microsoft, visa, costco, berkshire, etc etc for more than 2 years? Yeah stick with your VOO and chill only please.
VOO, IVV, SCHG, VT, VTI, QQQM You want to capture the growth of the market as a whole for most of your money.
At your age there are not wrong answers. Get used to buying VOO on auto weekly basis. Sell only when you have something urgent to pay for. If you have income, if you have expenses, you should have auto investment. You will learn as you go, but that is the basics. The foundation. Later you will dabble in stocks, riskier ETFs like QQQM or VUG, just acquire more auto weekly. Don’t trade in and out. You will do great! You are super young!!
I'd diversify to at least international. There's plenty of times where market favor is outside the US for stretches. A global approach can be beneficial to both returns and volatility compared to the US only that VOO is (no, foreign revenue doesn't make it international). You could also consider the US extended market (add say VXF, or to cover both with one fund, replace no with VTI for example).
Well, I was thinking maybe sth outside from the US. Like having idk 40% on VOO instead of 80%. I was looking into some other emerging markets, as well as things like IEUR maybe. Idk if it’s a good idea which is why I’m asking, I just don’t wanna hold most of my investments only on America
Well i dont know the allocation percentages but what i can work with this. Id negate VXUS. Ill meet you in the middle. Nows a great time to start your DRIP snowball with a dividend ETF. SCHD is always a great choice but because it appears you want an international (minus US) ETF, id say VYMI. Solid growing international dividend etf minus US with div. stats comparable to SCHD. Otherwise, i wouldnt overthink what youve got. 3ish decades from now id like have this portfolio looking like this: 75% VOO, 15-20% SCHD/VYMI. 10ish% individual stocks.
VOO is already fairly diversified across equities. What diversification are you seeking?
Anything that helps you spend less and invest more on auto basis = your friend Anything that provides friction or obstacle = your enemy Overthinking, tweaking, analyzing, indecision, are all frictions. Would have been better working out what you can afford on auto weekly basis of VOO, then just work to increase whatever amount that is. This is the power of VOO and chill. Buy on an auto weekly basis. Sell only when you have an urgent expense to pay for. Keep emergency cash in SGOV, and move on with your day. The problem is I’ve never seen someone not panic sell if they are just VOO and the money is big… Then someone will cry “not diversified enough”, “international exposure”, “bogleheads said bonds!!” All just complicate the soup.
It's up 20% for the past two years. Below VOO, but way ahead of VOO for three years and five years. And massively ahead for ten years. Much of its value now was priced in years ago.
Sell put half into index funds and never return, you are banished to VOO and chill for the rest of your days. Congrats 🙌
Look into doing the options wheel. You SELL options rather than buying them. Collect premium. Do this against good companies, not meme stocks or trying to chase those that pop 20% in a day. But truth be told, statistically you can do better simply by buying and holding those good companies (think GOOG, Nvda, many others...) Alternatively another good approach is to just 100% VOO and chill. Buy and do nothing. Historically returns like 10% year over year. Keep adding to it monthly for years.
No, just my overall account, has some VOO and some VMFXX. Not sure why its having this error though
Impressive!!!! VOO and chill now.
SCHD is for someone who is 74 lol. Should be in VTI / VOO + growth picks.
VT, VTI, VXUS. Might get spicy and buy VOO.
VT soundly beat VOO last year due to trends that miiiight continue (not pointing fingers at any specific presidents)
Bruh my brother in law keeps trying to get me to “invest” in Pokémon cards. Keeps telling me his % return like it’s not a lottery ticket lol. I had to stop talking about it with him. He insists it’s a safer investment than VOO/QQQ/VTI lmao
Warning: 500k is not life-changing money. It’s money that can & should eliminate your higher-interest-rate obligations like credit cards, cars, etc. Don’t pay off your mortgage; that rate is good and low. Invest in VOO and continue your normal life. Your retirement is likely secured.
Bullets , smith and Wesson, fishing gear , traps , flints , shelter supplies, those items will be more valuable than gold silver VOO , schdi, tesla , amazon etc combined
Agree with paying off loans and not getting anymore to avoid the debt creep. You have to have that mindset change to be wealthy. If you can’t pay cash for it you can’t afford it. OP has great jobs now so it’s time to max out all brokerage and 401ks and HSAs. Put inheritance and all money into VOO and forget about it. Cheers.
Pay off the worst debts and put rest investing can set up a great dividend income machine with that or pile in VOO or ETF of choice.
Hey everyone, so im a young investor trying to learn, I’ve been in this whole world for like 6 months. I’m really into all of this and love learning about it. Currently, i have a portfolio that I made when I started investing, and looking at it, it’s not good. It’s pretty much 80% on VOO and 20% on FXI. I’m trying to do my own research and find how I could diversify and make my portfolio better, but decided I could also ask some people here who probably have way more experience. So, what are some ETFs or regions that would be worth looking into to diversify if I wanted to improve my portfolio? Thanks in advance
Look, there isn’t a “best way” that someone will be able to provide! There are good ways! Starting with an IRA is great because it provides some tax relief when you retire! I assume you are actually wanting to start besides the IRA! Since you aren’t knowledgeble and will have time to learn I’ll give my opinion. Download the Hobinhood app; Create an account; Deposit the money you want to invest; Start with QQQ and VOO (Google or ask chatGPT about), basically you will be investing on the market; VOO mirrors the SP500 and provides an historically positive outcome, lately about 8 to 15% per year; This should get you started, start educating yourself and in the future you can diversify your portfolio; Avoid buying and selling because your profits will incur taxes, after one year of ownership taxes are minimized to 10% of earnings!
VXUS will outperform VOO again and be the safest buy of the year
ha. then that's good. I'd invest what you can. Especially if you don't have much of a retirement and you're already 36. You want that compounding interest to work for you, and the longer you wait, the slower it takes. Just a few to consider. * [**Vanguard 500 Index Fund (VFIAX/VOO)**](https://www.google.com/search?q=Vanguard+500+Index+Fund+%28VFIAX%2FVOO%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAB): Tracks the S&P 500, offering exposure to large U.S. companies, recommended by Warren Buffett. * [**Vanguard Total Stock Market Index Fund (VTSAX/VTI)**](https://www.google.com/search?q=Vanguard+Total+Stock+Market+Index+Fund+%28VTSAX%2FVTI%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAD): Covers the entire U.S. stock market (large, mid, and small-cap) for maximum diversification. Growth & International * [**Vanguard Growth Index Fund (VIGAX/VUG)**](https://www.google.com/search?q=Vanguard+Growth+Index+Fund+%28VIGAX%2FVUG%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAB): Focuses on large U.S. growth stocks, heavily weighted in tech. * [**Vanguard Total International Stock ETF (VXUS/VFWPX)**](https://www.google.com/search?q=Vanguard+Total+International+Stock+ETF+%28VXUS%2FVFWPX%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAF): For broad exposure to developed and emerging international markets.
In general as the dividend of a fund increase the growth decreases. Dividend fund in general continue to pay even whine the market price drops. So by switching your investments a bit more into dividend you are erectly switching for fixed income instead of growth and reducing your risk. Also the S&P500 index has a long term average growth rate of about 10%. There are funds and stocks that do have dividends close to 10%. So in your roth you could add commp funds that invest in companes that are not a big part of the S&P500. For example ARCC is a BDC there are no BDCs in the S&P500. ARCC has a yield of 9% which is common for BDC and since the companes founding the stock has performed a bit better than the index. When the growth index has a down year ARCC keeps paying its dividend and pulls a bit ahead. The are a number of f=good BDC so I invested in PBDC and the other is BIZD. In my roth Ihave funds like QQQI 13% yield,EIC 11%, ARDC9%, PBDC 9%, EMO 9% CLOZ 8%. So if the index is down I can use the dividend to invest in VOO or any other growth index you have. And in years when growth does very well you could sell some of the growth and lock that money into high dividends funds with have a comparable return and reduce your risk of over concentatration in the magnificent 7. For 401Ks you are limited on your fund choices so for dividend you may be limited to bond funds so you may be forced to use lower dividend yields. One other advantage having dividned funds in Roth or retirment fund is that if you become unemployed you will still have money flowing into the fund. With now I cannot depoist into my roth because my income is too high but the dividend funds are depositing 5K a month of income into my roth.
Invest every dime into VOO or VT. Dont deviate. Dont pick individual stocks. Just keep investing everything you can.
Here is what I would do if I am you 1. Max Roth IRA you can open an account on Robinhood and if you want to be conservative do 100% VOO max this out (7k) each year 2. Taxable brokerage put as much in as you want I would shoot for 15% at your age I would shoot for things that have high growth 3. Spend some of it and enjoy your 20s 4. Emergency fund at your age and no bills I would shoot for 10k into a hysa you can always add more if you need too
Open a Fidelity taxable account and Fidelity Roth IRA. Sign up for 401k, set it to the sp500 fund with lowest internals, put as much in there as you can as fast as you can. In the Fidelity Roth buy as much VOO as you can afford on an auto weekly basis. In the taxable keep your emergency fund. If you have extra money, buy VOO in auto weekly basis just like the Roth. Sell ONLY when you have an urgent expense to pay for. Don’t rely on self discipline, automate. There is a ton to learn, but that is the basics. Congrats and best of luck!
Dude your 17 with 10k saved and 4 income streams?? Your already ahead of like 90% of adults lol. Keep it simple - throw most of it into a broad market ETF like VOO or VTI and just forget about it. At your age time is your biggest advantage, compounding will do the heavy lifting. Maybe keep 2-3k as an emergency fund tho. Having some cash buffer is important when your paying rent and insurance already.
Damn bro you're living the dream with no expenses at 19, that's actually insane Start with a Roth IRA and max it out ($6500/year), then throw the rest into index funds like VTI or VOO - boring but it works. Don't try to get rich quick with meme stocks, just let compound interest do its thing over the next 40 years Also maybe learn to cook and do laundry now before your friend gets tired of covering everything lol
Wow. Greed. Shoulda stopped at 500k, moved it into VOO
Totally agree. Broad index exposure removes a lot of decision risk, especially for newer investors. One thing I’d add is that even with VOO/VTI, watching how price behaves around key levels and how volume expands on breakouts can help with timing and position sizing — it’s less about picking tops and bottoms, more about confirming participation and avoiding false moves. Long term consistency + disciplined sizing usually beats trying to optimize every entry.
I am a real estate investor and developer. I have several rental properties, in addition to my own home and a starter home, which I also rent out. I do have a small portfolio with Fidelity, which I make contributions to, but my plan this year is to acquire a fifth cash flow property, at which point, like you, work will be optional for me! I do plan to still work, though, and will use to proceeds from the rentals to build up my stock portfolio. NW is about $1.25M now, but most of that is not liquid. Aiming for $3M in about five years, which sounds kind of nuts, but everyone says the first M is the hardest, and the way things are going, that seems to be true. I want a stronger balance of liquid and non-liquid assets, though, and more diversification. Current stock allocation is 60% VOO, 20% VXUS, 10% QQQ, 10% individual stocks.
$5/day is approximately $150/month. Just do that and buy VOO as others have suggested or whatever broad index you desire. With an initial investment of $0 and a rate of return of 6%, your net deposit would be $35,850 and your projected savings (including principle) would be $67,772. [source](https://www.fidelity.ca/en/growthcalculator/)
Looking for advice on taxable investment percentages in VOO vs VTI. Late 20s and work in big tech sw. How much of your taxable portfolio would you recommend being VTI over VOO considering the exposure due to salary and RSUs in tech? Currently I’m also targeting ~10% in gold, ~20-25% international funds. In wondering what the rest of the allocation should be without including an emergency fund. Thanks!
The S&P 500 (VOO / SPY) It’s not buy and hold the same 500 companies forever. It’s a living index. When a company falls apart (bankrupt, shrinks, gets acquired, loses relevance), it eventually gets removed and replaced by a stronger / more relevant company. So over decades the index naturally “drops the losers and keeps the winners,” even without you doing anything.
VOO in the 401k is perfectly fine. Options in your 401k tell me you’re either a genius or you’re one of us
And those super smart people saying that have vastly underperformed for the last 30 years lol I'm not saying staying 100% VOO is or ever was a good idea, I'm generally a VOO chill hater, but this is like saying Bill Ackman is correct about a correction when he misses for 30 years at a time.