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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
18.25% mainly due to RDDT and company stock that exploded this year. But also diversified across VOO and the like.
+19% ytd, VOO, VUG, and then a small AVGO position because Nancy' Pelosi
VOO ETF is stable. Another stable stock is Abbve, the Pharma company which makes Botox.
I don't know how to buy options or even what that means, so I'm happy. RKLB continues to make my dumbass look like a genius and VOO has been VOO.
+18%, first year investing. Went into many individual stocks with only 15% of my (taxable) port into VOO. Up until about September my individual stocks were blowing away VOO, but now my VOO holdings are ahead. So I’m going to spend the next year slowly rebalancing into heavier ETF weighting.
I'm probably up around 6% if you include dividends. My portfolio tends to follow the performance of $SCHD - since that is about 40% of my accounts. I also have 12% exposure to S&P 500 with $VOO.
Keep in mind that VOO is 16%. An active trader should keep that in mind if he's much lower.
It is just really personal preference. I keep different index funds of the same type in different accounts because that is what works for me. Plenty of people just have VOO in all their accounts. I know you didn't ask it, but whether a Roth 401k is better for you than a traditional 401k depends on your income and tax bracket. For most people, a Roth 401k isn't better.
VOO and chill this year mostly. Oh and micron.
Assuming I were not a sophisticated investor AND my goal is to grow and preserve my $15k faster, this is what I’d do: 1) Buy 5-10 individual GROWTH stocks 2) Review VOO’s stock composition 3) Pick you 10 stocks from their top 20 4) Buy 2-10 shares of each 5) Every pay day, allocate $100-$500 to buy more shares whether the stock is up or down. Maintain this tempo every pay day Chill
Its actually better to take an "opportunity loss" and take a week off enjoy life clear your head so you can sleep then research and plan your next trades. You can't control your emotions if you are stressed. Emotions make for bad trades. size your positions smaller if you feel too much pressure about losses. Learn to read options tables they will tell you the expected move / volatility of a stock. stable ? JNJ Exxon IBM pick a low spot. put your money in enable dividend re-investment and enjoy your life check them each year. Fast Money is both earned and lost. Slightly more risky but you could do TLTW, USOI, and PFFA basically bonds oil and preferred stocks. USOI NAV has taken a beating but that's because oil has been. that won't stay that way forever ... TLTW roughly 16% Dividend not much NAV volatility USOI has been sinking with the Price of OIL but might be a good time to get in about 17% dividend PFFA stable and a 8 percent dividend. 10 years from now with no stress you will be happy. Wait for the next big 10 or 20 percent market crash and buy SPY or VOO or QQQ set and forget.
>I have a low risk tolerance, I'm not trying to gamble but I understand some risk is necessary in investing. >currently, I am invested in AMD, Ford, VOO and GLD. Generally if you have a low risk tolerance investing in individual companies or something like GLD is not low risk
I have a target date fund on my Roth IRA I max every month on my own and then any leftover money at the end of the month goes into my brokerage. My brokerage has just VT and VOO, honestly. Smaller money in SCHG for volatility. Personal preference honestly
VOO, SPY…but if you absolutely refuse to do ETFs, pick one of the magnificent 7 and hope for the best
Whispers VOO > SPY if buying and holding. Also grats.
Why is FXAIX (0.58%) and VOO (0.89%) return so different today? I am not tracking on dividends or capital gains that I'm aware of
If you’ve already nuked your account maybe you should try $SPY or $VOO lol
What? The average Joe just invests in ETF’s. SPY, QQQ, VOO. Which are all up big today.
24 is the right time. 21 would have been better. Participate in your jobs 401k, invest the money in the 401k into VOO. Any extra savings, open a brokerage or some flavor of ira and invest that in VOO too. The kid will be setup for a comfortable life and retirement
I am pretty new to investing but have tried to put away roughly between 100 to 300 USD away each week for the past two months. I've got around 1000 dollars invested now with a funded emergency fund. I live with my wife at the age of 21 going on 22. She has a very nice job and covers most of our expenses while I only kick back a little of what I make, I always offer more if she needs it of course. I make roughly 800 a week currently but expect it to drop to around 600 after the holiday season ends. I'm trying to save enough to eventually retire, for me that goal amount is much lower due to my wife's savings, roughly I'm aiming for 100k invested. I don't expect to dip into these investments for 20 years or more. I have a low risk tolerance, I'm not trying to gamble but I understand some risk is necessary in investing. currently, I am invested in AMD, Ford, VOO and GLD. I have no debt, thank god. Basically, I'm looking for advice on how to direct my investments going forward, I feel as if I've been doing a decent job as I've seen a 5% return in the last 2 months from a well timed investment into SOFI which I sold off and used to buy more VOO stock. I am still very new to all of this, but I want to be able to set up a comfortable nest egg of sorts that I will hopefully never have to dip into. Realistically, my dream for this money if all goes well would be to only use it in 20-40 years for some nice gifts or things of that nature and leave most of it to my children to build a generational wealth for them, with the hopes they'd add to it and pass it on, etc. (Oh also it's probably already clear but this is a burner account.)
How much time and effort are you going to spend on this, how much are you investing that it make it worth trying to optimize beating VOO etc., and how much additional stress is worrying about this going to cause? I buy some individual stocks that I believe are going to outperform but don't set tight stop losses on them because my timeline for investing is decades. GOOG might jump up and down during the year, but I don't need to fret about a 3% loss one day because it'll be back up soon enough.
First time poster, long time reader. One of those epic days when everything is green when the world outside is cold and silent. RKLB, ASTS, NBIS, UNH, GOOG, META, VOO, all somehow bought on 6-month lows. Seems fated and surreal, but somewhere in the distance a low-growling ominous zombie crunches through the snow...
Don’t forget, if you had simply put that $500K in VOO at the start of the year, you would have $587K today. And a lot less stress. So your total loss is even higher.
One thing to consider is that mutual funds, especially brokerage house ones like fxaix, are not portable to other brokers. Should you ever need to , or desire to move those funds to a different brokerage, your only option is to sell them and deal with any tax implications as a result of that sale. With most s&p etfs like IVV or VOO (my personal preference), etc, they are completely transportable between firms.
Opened a Roth for my daughter at 18 (last year) and we do 75% VOO and 25% VGT
I like SPYG. More attractive price than SPY or VOO
I’d recommend VT over VOO especially for now. Anyways about 2/3rds of VT *is* the s&p500 or so, so its not like its radically different.
I would take a step back and research "asset allocation". Different asset allocations will have different levels of risk and volatility. "VOO and Chill" has worked for a while, so that is now popular. There has always been a strategy that works for a while and then becomes popular, at which point it usually stops working well. Time will tell!
I can’t comment on whether to open a Roth IRA or traditional Ira. That depends on your personal situation and goals. But the type of account is less important than what investments you pick to invest in. Simple approach is buy VOO and dollar cost average into it over time.
a month ago I said fuck it and bought $200k of VOO. I am currently up $91
Fuck VTI. Just VOO and chill
SPY is more optionable vs VOO and that is the only reason I would buy SPY over VOO. Check the expense ratio and overlap of all the funds you are considering and read the prospectus for every fund. Idk much about DIA but it doesn't look like it has many holdings. I'm a fan of SCHD especially in a falling interest rate environment even though it seems to get lots of hate for lagging the total market it's still a part of my portfolio. Also idk wtf that other guy is talking about, SCHD doesn't use any option strategy in the fund and I had to go back and look at the prospectus again to confirm that the claim is total bullshit. That's another good reason to READ the prospectus yourself
SPY & VOO are effectively identical. I wouldn't have both unless you're doing it to have two different buckets for taxable capital gains optionality later on. As far as thoughts, SCHD is a dog imho.. dividends are tax inefficient, their cover call scheme isn't super helpful in a true market that goes up. DIA doesn't really seem necessary either.. I'm a boring r/Bogleheads kind of investor - you're probably just as well or better off with either an S&P 500 index, US Total Index or World Total Index as you are by overcomplicating there with those tickers. SCHD had a lot of great online influence to make it seems like this great plan. In a lifetime of wealth building, I don't see any benefit to it vs. $VTI and personally bet that $VTI will perform better.
SPY... buy SPY.... or VOO... or Tulips :-)
Thoughts on diversifying portfolio to just DIA, SPY, VOO, AND SCHD. ALL DIVIDEND PAYING STOCKS AND relatively safe. Didn't mean all caps lol
I have two types of accounts. Accounts I can’t fully trade in because of tax implications (older investment non retirement) and accounts that I can fully trade in (retirement and newly opened where I can buy what I want with money we have left over after our spending). On the accounts I can fully trade in I am making 22%. I got a bit lucky with Nvidia but the rest is VYMI, VOO, Gold, silver, precious metals mining etf, VONE, VYM. Would have been even higher if I hadn’t put so much into bitcoin. The luck with Nvidia is balanced out by the losses in bitcoin so I call it a solid no luck 22% with a good mix of US and international ETFs and precious metals to hedge for inflation.
Be fully invested. Never keep cash more than 5% of cash. Do Roth IRA or backdoor Roth IRA. Don’t only do VOO or VT, add some growth like QQQ or VONG. Invest in Direct Indexing, same as VOO with Tax Loss Harvesting. Take an advisor if you panic sell.
YTD I’m up 17.15% Have a couple single stocks, Amazon and Vertiv Holdings, 65% of it’s in SPY, VOO, QQQ
If you don't know what you're doing buy $VOO. This is financial advice. I am giving OP, and everyone else here, financial advice: buy $VOO instead of random shit advertised to you on social media.
If you don't know what you're doing buy $VOO. NFA.
SCHD is a bad investment, period. It’s only shilled by youtubers and redditors who have no idea how to grow your wealth. Put everything into VOO/VTI or VT and let it compound.
I do. I have 100k in VOO and 100k in SCHD. Then I have 100k in spread out in other stocks.
I have 100k+ in VOO. It would still take 10+ years by my calculations.
VOO for you. SCHD isn’t good for your situation and putting all your money into rocket lab is pretty wild too.
That is true. VOO is tech heavy even though not as bad as QQQ. There's RSP which is equal weighted S&P500 which has not gone up as linearly as VOO in the past five years, but is surely going up on a longer time horizon. Another option is to have some exposure into international equities but they have not done well at all (take VEU for example). Or like you mentioned, we should pick and choose assets and allocate and manage manually. These days, even GLD is not a bad idea.
VOO is NOT diversified! Something like 35% is in just 10 (tech/AI) stocks. If the AI bubble bursts - not saying it will, but it definitely might - you could be underwater for 15 years, which is what happened when the dot com bubble burst in 2000.
Without knowing your risk tolerance and how long you intend to keep this invested, you can't really go wrong with VTI, VOO etc. That should comprise the large majority of your portfolio, then from there you can look to individual stocks like Mag7 or crypto. Not the biggest crypto guy but the BTC price does look reasonable at the moment
You may not know this but cashflow is so risk averse he thinks VOO is get this....."Gambling your Money"
Dollar coat average VOO or VT and chill
Like people are saying, put it into the S&P (VOO, SPYM, SPYG, VII, pick your poison, it’s all basically the same thing for you rn, pretty much anything vanguard or state street is pretty solid imo) don’t try active investing, for the love of god please don’t, you need to spend a lot more time understanding economics and learning how price movement and all this other crap works, for right now you are just putting your pile of money into a bigger pile of money and getting a little off the top for your contribution when someone else puts their pile in.
First of all huge props to you. I’m not too much older than you, at 24 . But I only started investing at like 21-22. I only have a net worth of abt 50k with almost 40k of that invested. Imagine if I started at your age! But most people don’t even start in their 20s, so you and I are both ahead of the curve. So you’re doing great with 66k at 18, and huge respect that you’re even thinking about this , let alone the amount you have. As for the investing advice, S&P 500 (VOO), or total stock market (VTI + VXUS or VT) are all good choices. Growth funds are also optional, but keep in mind the top companies in the us are mostly tech anyway.
For the responses saying to start an IRA or Roth IRA for an 18 year old that doesn’t even have a standard individual brokerage account yet is just not right. He won’t be able to access any of that til what.. 67 i think it is now?? Ridiculous Start him off with a regular brokerage account, contribute a set amount a week (say $50-$200) into $VT or $VOO (total US stock market, S&P500, respectively - very similar). This is for mid-long term outlook (5-20 years, leaning more into the latter) where it really starts to balance out and compound. For just collecting the interest in the same account (cash equivalent +about 3.8% / year as of today), $VBIL. This would be for strictly cash savings that you don’t want any risk of short term depriciation. Other than that i would set aside about 10% of the account actual cash - In the end, say 80% $VT 10% $VBIL 10% cash. Certainly open to adjustments based on risk tolerances
I might as well put it all into VOO and forget about it right? It will track the market.
You could invest money into VOO and reinvest dividends over time or you could try active investing and do equities research kinda like Warren Buffet
Look up the top 10 stocks in QQQ and VOO. You already own lots of NVDA and META. Why press the point?
He's got experience now. Not the good kind, but sometimes that's the best. The take away for him is NEVER EVER do the stock market by yourself. Maybe VOO and chill but I don't trust him with that.
VOO, put something in every paycheck even if it’s 10 or 20 bucks to start. Don’t look at it until you turn 50 so you don’t get tempted to do something stupid. You will be very happy.
Holy shit the things I would do to VOO with 500k
This is amazing and will give you a HUGE advantage down the road - you have the gift of time on your side. A lot depends on your overall situation - will you need any of it for near-term expenses like college? If not and the whole amount is really available to invest for the longer-term, I would personally take 1/3 to keep in a HYSA as an emergency fund, and invest the other two-thirds. But that's just a gut feeling on my part about how much I would want to keep in cash. Out of the investable dollars, I would put half into QQQ (but I'm biased towards tech - VOO or another index fund would also work) and then take your time to SLOWLY research and start picking up some individual stocks and maybe a bit of crypto that you want to keep for 5+ years. I generally don't put more than 5% of my portfolio into any one position. Don't feel like you have to invest it all at once. Put it into a ROTH IRA if you qualify for that, or see if there is some other tax-advantaged account you can use. And remember you have to hold a position for at least a year to avoid paying short-term capital gains tax on any profits. Keep doing your research before you take action, and good luck. I wish I had learned more about investing at your age!
If you’re planning on going to college. Put that money in ETFs like QQQ or VOO and forget about it until you’re older. If you wanna trade, find a local support group.
I think I’m just going to get an advisor and stop dicking around. I’ve been just losing money for 10 years trying to stock pick. I know people will say VOO and chill but I have other investments.
**Investment decisions should be judged in context** If you are in your 20s and you are stacking VOO shares and bonds - *take on some risk you pussy, you've got nothing to lose at this age!* If you are past middle age and you are still trying to hit it big with small caps and shitcoins - *you are a professional retard, where are your savings?*
Reminder that at least I’m not as retarded and braindead as OP like Jesus man should’ve just thrown into VOO or XEQT would’ve made back what you owe the irs. What a goof
Congratulations, you did worse than if you just left your money alone in VOO.
You could have VOO it and got 16%
Every sector has ETF that caters to top companies. So that simplifies owning individual stocks. Overall long term strategy is not to waste time picking individual winners but keeping money in VOO or QQQ, then using profits to select new and upcoming startups that can make you rich in a few decades. Also some stocks are cyclical, so good to buy during a down period, make your money and add it back to the profit pot.
7 years is crazy bro congrats. There is definitely risks holding VOO/QQQ but still much better on your conscious
I was nearly 100% in Ethereum up until a month ago. Held it for 7 years, die hard believer. Finally couldn’t take the stress anymore and sold it all a month ago around $3k. All in VOO/QQQ and sleeping much easier.
I am about 50, and I advise my boys (19-24)to do 70% in VOO, 10% SCHD, 10% SCHG and 10% international
$100k today, long-term focus: \- 50% VTI/VOO - boring but works. Don't overthink the core. \- 20% big tech (GOOGL, AMZN, META) - AI tailwinds, reasonable valuations vs NVDA/MSFT \- 15% international (MELI, SE, NU) - diversification + growth outside US \- 10% high-conviction picks - individual stocks you've done DD on \- 5% cash - dry powder for volatility Strategy: DCA over 3-6 months, don't dump it all at once at ATHs. Rebalance annually. Boring wins. Not chasing yield or swing trading. Time in market > timing the market.
Depends on what I’d want to use it for. A home or investment property purchase? SGOV until I find something I want. Long term? VOO and chill.
I just made back all of my Christmas gifts, I think I’m gonna sit out for a minute lol, VOO HERE I CUM
Max out your 401k every year that you can. Decreases your agi and pre tax. I only hold about 6 months of expenses in cash in my checking account and hysa/mm. Everything else is directed to my brokerage or post tax retirement accounts. There’s sometimes a small cash balance there as I ponder which investment to buy or while it waits to DCA into VOO or other ETFs
Keep your Nvidia. Start focusing on some ETFs like QQQ and VOO and maybe add a few more single stocks like TSM, Google, and Amazon. Make sure you also diversify geographically (GMF and INDA?) as well as industry-wise.
Despite some concerning data, we are still in a Bull market which should continue through 2026. So depending on your age/goals, you should invest accordingly. I like sector index funds and of course VTI / VOO.
Just gonna go VOO from now on and get a new hobby
10k on both call and put options using the wheel strategy. I'd go for QQQ, VOO, PEPSI AND MCD.
What I'm doing currently I suppose. Dump half of it into VOO, some into a dividend ETF, and then the rest into tech/energy stocks
Well the DCA VOO/SPY people will be fine.
VOO or VOOG. Vanguard. Something like that. Depends on your age and goals too though. Yolo into penny stocks w guided research
Just buy the few things investors watch. VOO (or VT if you want international exposure and less idiosyncratic risk), Gold, and Bitcoin, and a healthy amount of FRNs so you can hold onto the risky things, longer.
$VOO $675 by end of week
I have 2 ports, one which has VOO & stocks I want to hold for a long time. Other is for a bit more aggressive trades which is up %4.5 based on premarket.
$98k VOO/QQQ 75/25% split. $2k btc because I decided to build a small position right before the pullback so now I’m a little bitter.
I mean it was 5K, you will recover from this, it still sucks, but you will be fine. Just go VOO and please don’t touch options again.
This is the way.. Vanguard account, Roth, VOO and some retirement. Never look at it. Robinhood I trade like a mad for fun.
Have you considered you could potentially lose everything like you almost did before and maybe just VOO and chill up 120x
Its free money that you would not have otherwise. Just get VOO/VTI/Goog at least and let it ride for 10-15 years and enjoy the free money from that. Save 3k or something from the free money and invest that into what you like. Just let the other 12k do their work and dont touch it when you blow the 3k.
Not sure why you find index funds uninteresting. I bought VOO at the depths of the 2008-2009 recession. I'm up nearly 9x and fully diversified.
Under 50% actually, most target date funds have substantial international equities which is the largest difference. Vanguard do 60/40 US/International in equities. There is a bond allocation, small in the late-date funds, but still 8-10%. Then, 12% of the US equities are outside the S&P500. Used by a bit more than that but the US market has got more concentrated. Vanguard Target Retirement 2070 Fund, which is the furthest out they have, works out 48.3% the S&P500. Anything closer in date it will only get lower due to the bond glide path. So they are meaningfully different. Target dates will be closer to VT rather VTI or VOO when they are far enough out they have a small bond allocation. Coincidentally, their US/International allocation is similar at the moment, VT is 63/37. But the Vanguard target weight funds specifically do 60/40 (they moved to this from 70/30 in the last decade), while VT the allocation floats by market weight.