Reddit Posts
I have mostly VOO portfolio. What would be a strategy to exclude exposure to AI companies?
Aggressive Roth IRA at 18 – What Would You Change?
Hypothetically if you were holding close to infinitely, would VOO or QQQ be the move?
For those investing in S&P 500 ETFs (VOO/SPY/IVV), how have your returns been?
VOO Becomes First ETF to Reach $1 Trillion AUM, also: VOO bounced exactly at 700 a couple of days ago but nobody noticed
Dividend Stocks in Your 20s Worth It or Just Stick With Growth?
Sp500 - 100 years of changes - how significant is the mega ipo changes?
Sp500 - 100 years of changes - how significant is the mega ipo changes?
80k to invest + no debt how would you invest it?
Is anyone actually selling VOO or QQQ over Space X concerns?
$KIDZ - Will this take off?
Should I change from an Investment Account to a IRA?
What is the best strategy to allocate and optimize a 100K investment?
21 year old college student with $10k saved, what would you do in my spot?
Vote against S&P changing rules to fast track IPOs into the S&P 500 indexes(SPY, VOO) - (Deadline TOMORROW, May 28)
Automated investing for retirement accounts (fidelity/schwab) vs picking your own distributions. The good vs the bad. Discuss
Built my first Roth IRA portfolio in my 20's - here's my 6 ETF allocation and the reasoning behind each pick
Do you keep growth stocks in retirement accounts and dividends in taxable?
For parabolic gains DO NOT read this. It's just a Samaritan text for thise in despair.
Forbparabolic gains DO NOT follownthese advices.
If I want to generate the most money from my traditional & roth IRA accounts - where should I "park" it for the next 20 years?
MAG7 is outperforming all the hype stocks posted about constantly, why do people not learn, holds true for last 40+ years
Little less than 3 months in and I think I’m doing well
the s&p 500 vs equal weight spread just hit 13.8%. it's only been this wide twice before
Anyone here actually outperforming just buying VOO long-term after taxes, stress, and time?
Choosing VTI over VOO has cost me about $44,000.00 over the past 6 years
Small business owner here, looking for investing advice from people further ahead than me
18 year old who just started - any advice would be appreciated! I don’t know how to diversify properly.
Sell some Intel to take a larger position in SLS? I’m OKAY with the greed, but I’m not sure my logic is sound.
Hold Intel vs buying more SLS . I’m leaning greed, but have I’m not sure about my logic.
Investing my first $250.. Is this a good profolio for buying and holding?
The more you learn investing, the more you realize there’s not much to optimize beyond saving more, staying invested, and avoiding mistakes
20 y/o F looking for advice for my portfolio
Is the stock market becoming more & more volatile?
Why do people who just buy index funds call themselves investors? You set up an auto deposit once. My grandmother does the same thing with her savings account.
Is Wall Street Bets a legitimate strategy what should I buy besides VOO ?
Late starter..has that tech ship already sailed? Amd, MSFT, VOO?
Hit $100K… But It Came With More Risk Than I’d Recommend
After about 7 years of losing money from options and meme stocks /coins, I'm finally back in the positive.
If someone is worth one million dollars, how much $VOO and $VTI should they own? What if they're worth *two* million; how much then?
If you had $7.5k to invest tomorrow, what would you do in this current market?
What’s your opinion on selling All Tech Heavy Stocks soon and moving to SP500 $VOO?
Took my whole IRA out of VOO yesterday and bought AMD and NOK calls. Am I dumb? Probably.
Should I get out of SPY and move it to a better long term index?
Do automatic 401k contributions affect markets?
My tech-heavy portfolio is up across the board, TQQQ leading the way
Do you think tech will outperform the market over the next 30+ years
Mentions
No, the NASDAQ-100 is not "all" of our retirement funds. Actually, until a month ago, I very rarely saw anyone on Reddit recommend it, as opposed to VTI or VOO. For some reason, everyone on here suddenly thinks that 1 stock that will constitute about 0.2% of *some* index funds is sucking up all the liquidity in the world.
I am not getting flustered, I actually actively work on reducing my tech exposure because of that. just saying that SP500 at least has sound grounding even through it would be better with a cap by sector or per stock to force diversification. like not more than 25% in 1 of the sector and no company with more with say 2.5% of the index would be great. to me for indefinite term, I’d choose VT any day vs VOO or QQQ because we don’t know the future. focusing on VOO 35% tech or QQQ tech related perf is by definition short term.
VOO is only US and heavily concentrated. Use RSP for equal weight. DIA for less tech. QQQM for more tech. VEA for developed markets (Intl) and EMXC/IEMG for EMERGING markets. Or just MSCI/IEFA\VTI. Van Eck even has sector specific ETFs but indexing is king imo.
In theory you could short the components you don’t like proportional to their percentage of the index times what you’ve got invested in said index. You’d have to pay the borrow rate but I think that’s the only way you’d be able to exclude AI companies while staying invested in VOO. I think that would be counterproductive but since it’s what you’re asking…
Been holding VOO since 1998 or we talking individual tickers.
When the VOO includes these companies the OP will by default be invested in them. It's a trivial exercise to calculate the allocation to whatever companies OP wants to include and figure out what dollar amount that is. Then short those companies in those amounts and you have a net zero exposure. If you're forced to bet $10 on red and you really don't want to then you just bet another $10 on black (and some small amount on 0/00) then you're effectively neutral. Except in the stock market the house edge is a lot lower. May not be possible in a retirement account but you could just do it in a regular brokerage account. The amounts would be small relative to the total invested in VOO or other equivalent funds. I think it's a bad strategy because the point of indexing investing is to avoid letting personal opinions get in the way of what companies you're invested in, but it's the strategy to accomplish what OP is asking. I suspect most of these posts complaining about being forced to be invested in these companies are performative and people won't follow through with anything. Especially if they go up in value. Nobody is going to return those gains. And if you really think these companies are going to end up as failures the stock market has much bigger issues and you're probably better off just investing in something else completely.
trying to exclude AI from VOO is basically trying to exclude the entire market at this point. if you're really that worried about concentration just add some small cap value or international and call it a day
Maybe, I just went VOO/VTI/VXUS for 98% of my funds.
GSEW and EUSA are equal weighted indexes with low expense ratios. So LILY and JP Morgan have the same weight as Nvidia and Google. However over 5 year + periods these will likely underperform VOO or SPYM. S&P index funds drop companies that shit the bed and reallocate for you.
Why are you so worried? It would be less than a 0.5% weighting overall. Mag 7 stocks weigh at over 7% of VOO each.
Instead of 100% VOO you can do something like 110% VOO and 10% short semis. Keeps your gross at 100% long but will outperform VOO if semis underperformed. You would need to add leverage through margin, using options, or leverage etfs though
Pretty much yeah. Psychologically, people should think about VOO less as a specific ticker with a specific price and PE and more as just “America’s 500 best companies.” I’m perfectly happy just leaving a good chunk of wealth there over large timescales with that framing. We sacrifice/forego a lot in this country (infrastructure, healthcare, education, etc) to give our business overlords free reign. I certainly want to get as big a piece of it as I can.
Did you build a portfolio that consists primarily of VOO so you could pick stocks or did you do it to own an index ? If former, VOO is a wrong instrument for you. If latter, you are wasting your time trying to actively manage a passive instrument.
Me I used to own a hundred shares of QQQ and QQQM but I have been slowly selling all the shares in my IRA 😔 I was going to start some weird sector thing with dfus until sp500 recently announced they wont rug pool for SpaceX so I am loading up all my handy cash into VOO and SPYM. And it actually came at a good time for me cause I sold a lot of QQQM and QQQ - Thursday and Friday morning. Then Friday the bottom dropped a couple inches. So that was good
VOO or SCHG and wait 30 years
Well the good news is SpaceX won’t be able to join the S&P500 ($VOO) for 12 months and has to also show profitability. The market will have determined its fair value by then
Couple of things to think about to stay in US stocks but reduce exposure to the big AI scalers and Mag 7. Reduce VOO and shift some to VTI. Broader set of companies. Or shift some to RSP-a fund that is equal weighted. Or consider some VTV, value fund as a way to downshift your exposure.
This question seems odd to me. Have you considered investing into individual stocks, diversifying withy the stocks that you like from VOO and getting rid of the ones that you do not like? The entire point of buying and ETF is trusti8ng that they know what they are doing.
Did you read what I wrote. Defense sectors. Not the defense sector. Portfolio builders use defensive sectors to round out Risk. Such as healthcare, staples, finance. They won’t draw down like tech in a bear market. Utilities and energy are good too. If you just have VOO or an S&P etf it’s heavy on some sectors and light on others. All really depends on your risk tolerance and what your financial goals are. Everyone is different and their portfolio should be built and catered around their risk profile.
Just roll with it. Nothing makes sense anymore like we saw with Tesla. Just put it in VOO and chill
funny, this is what I already had besides VOO. Thank you.
**SpaceX, OpenAI, and Anthropic would not hit VOO on day one of an IPO.** They would first need to trade publicly for a year, then meet the profitability criteria, liquidity criteria, float criteria, market-cap criteria, and still be selected by the S&P committee. That gives you a decent monitoring window before they ever become part of VOO.
Those names won’t be part of VOO for a while because of S&P 500 restrictions.
short them. let's say you have $1k in TSLA through VOO. you can short $1k in TSLA and you'll be TSLA neutral (any drop or gain in value through VOO will be offset by the opposite impact through direct TSLA holdings).
VOO #1 VXUS #2. Stocks…MO, ABBV, IRM MAYBE PFE
S&P, the index provider which decides the makeup of VOO, is not changing its inclusion criteria to add new mega AI offerings quickly. You may want to consider adding RSP, the equal weight S&P 500, to your 401k to balance things out. RSP has retuned 800% since 2003 (its inception) compared to 807% for the SPY (tracks the S&P 500 like VOO) over the same time period.
OF is asking " What strategy can be used to exclude new AI companies (Anthropic, Open AI, Space X) from this VOO positions ".
You probably shouldn’t be an ETF if you are concerned about the individual holdings. The whole point of VOO is to buy it and add to it. You are buying the top 500 companies on the US stock market. Let the managers manage.
Exactly. If you are buying VOO you are accepting you can’t predict what will or won’t be a winner. There is the possibility these companies could be good for VOO and your returns, you simply don’t know. There will be no fast-tracking, if they earned a spot in VOO then they meet your investment thesis. By excluding them, you are stock picking. These IPOs could be a bust, or they could be the next MSFT, NVDA, META etc that account for the majority of your returns for the next decade.
VOO follows S&P index, which hasn't done fast track inclusion for the new IPO companies you mentioned. If you want to hedge against AI bust, * Buy a put option on any AI focused ETF which has heavy weightage on the names you want to avoid. * Buy SOXS or similar inverse ETF. Both these strategies are short term hedges. In long term, the best way is to gradually sell VOO and go into equal weighted index or some other ETF of your choice.
Which new big AI companies that aren't valued fairly? I ask because I don't think any of them are publicly traded yet. They're looking for an IPO this year. Also you're ok with Google and Meta, the largest AI companies but not others? I think you should just stay in VOO. You may not have an investor mindset.
The strategy is when the companies collapse VOO removes them from the index.
It really is as simple as dumping money into VOO and trusting the process isn’t it? Maybe some VXUS. I’ve been doing this for a long time and see the results but I’ll get bored and buy stupid shit sometimes.
That is far more capital intensive and would likely require selling VOO, unless OP has a massive unallocated cash position
This makes no sense. You buy an index yet you want to exclude certain companies that will be included. Then go sell VOO and buy all the other 497 companies and not Space X, Open AI and Anthropic when they go public.
Absolutely wrong. I have held VGT and VOO for years and it was an informed decision and they have done well. Many people, especially under 50 hold way to much bonds or fixed income they should be 100% equities.
You have a year until it becomes a problem SpaceX goes public in five days and cannot be added to VOO until it shows four profitable quarters in a row. Same will apply for anthropic and openai. Relax. We got time to figure this out - if spacex magically reaches $6 trillion valuation in a year then come back and let's freak out together
Not sure what you are trying to achieve, not making money? VOO without the AI companies won’t protect you from draw down. If market tanks everything will tank. Maybe go with BRK if you are so concerned about valuation. But ‘cheap’ valuation doesn’t necessarily mean ‘safe’ or ‘has room the grow’
Non-degenerate coworker just texted me asking if I would be in tomorrow and that he wants to buy the dip on VOO and VUG. Bullish.
Look at VOO holdings… what % are these companies? Tesla is 1.74%.. if you add up all the ones you are worried about it is probably <5%.. if those companies go to shit they will get cycled out of VOO
This person asked a specific technical question and everyone is here preaching why he's wrong to ask it. Feels more like r/wallstreetbets at this point. I can't help you with the math here since it's pretty complicated, but I guess you could find out what companies specifically you are bearish on and buy put options on them in a specific ratio compared to your exposure to them through VOO. This way you'll now have hedged your position. Else, I guess you can simply look at the composure of your index of choice and buy into specific stocks to get your S&P delta reasonably close to it, excluding AI stocks. It's a lot of work but it should be doable.
You are better off chilling with VOO
Once the IPOs are done, I'm sure we'll see ETFs come out that are "VOO minus AI megacaps". I would just look for something like that.
The strategy for Voo is You just leave it. the whole point of passive funds like voo is no human intervention. If Tesla dropped 99% VOO would only drop a percent or two.
After losing $150k a few days later. He has now put the remaining $70k in VOO.
Unless you crunch those kinds of numbers for a living or hobby, it's just useless noise. Whether VOO grows +500% or +50%, at the end of the day your investments grew and you're creaming your pants while you're angry the price of bananas at your grocery store are up 50%.
Once you get your toes wet investing, it really doesn't take much to realize most of the market growth is just plain old inflation. The only difference between you the investor and the guy buying groceries at the supermarket is you hold assets while the guy holds cash. "VOO and Chill" is basically about putting yourself on the right side of inflation. If you hold assets, your net worth keeps pace with inflation. If you hold cash, inflation throws you to the wolves.
Are you aware that a huge amount of highly educated professionals struggle to beat simple index funds long term? Search SPIVA and be amazed. You have very little chance of outperforming VOO+VXUS or simply VT long term. Why waste your time and energy on a loser's game? You are too confident and will get burned eventually.
That's easy. All of it (eventually). You'd be much better off in VOO or ideally VT long term. Don't performance chase like a sucker.
VOO/SSO/GOOG/GOOGL/BAC are some of my largest positions. I don't have QQQ since I'm already overweight tech. Instead I have leverage Russell2k. Etrade/MS offered me to join the SpaceX IPO but I didn't sign up. Already go indirect exposure long ago.
sort your investments by return and sell the one with the highest %return. dont sell MU as it just had a massive correction and youre most likely down or flat on it and it might make another run up. VOO has had a mild run up and had a mild fall so it might be a good candidate. GOOG/AMZN also depending on how long youve been holding it. MU/RKLB youre probably going to sell at a loss if you do.
Switch to VOO instead of VTI if you want more protection from space x shenanigans
Rate my portfolio This is in my brokerage account with 15k invested. My retirement accounts are 100% VOO so I’m looking for growth here and using Google as my anchor. GOOGL - 49% NASA - 33% AVGO - 13% KEEL - 5%
VOO ( 500 of the biggest American companies)
"Throw your phone in the river" is the most important part and the hardest to follow. The behavior gap — the difference between what the average investor earns and what the average fund earns — is something like 3-4% per year because people tinker. Automating removes the ability to make emotional decisions. VOO or IVV on automatic investment, dividends reinvested, check the balance once a quarter. Everything else is noise.
should I be buying right now? I have like $5, do i just put that into VOO?
at 61 youve got a really solid base there. for the 3k in taxable id keep it simple — VTI or VOO. the covered call ETFs generate income but theyre less tax-efficient in a non-registered account. at your stage the priority is preservation and steady growth not chasing yield. time in market beats timing the market even with 3k. not financial advice but thats how id think about it
at 61 you've got a really solid base there. for the k in taxable i'd keep it simple — VTI or VOO. the covered call ETFs generate income but they're less tax-efficient in a non-registered account. at your stage the priority is preservation and steady growth not chasing yield. time in market beats timing the market even with k. not financial advice but that's how id think about it
They are both very similar grwoth funds. both have significant price volatility and different levels of growth or loss. If you hold over a long time you one may grow more than the other. Based on history QQQ is doing sa bit better but there is no guarantee that QQQ will com out ahead. but in some times VOO will come out ahead. However after 25 year you would have sell them fro income. One you sell a share of either fund you loose all future growth of of these shares. Eventually we all eventually have to stop working indwell need income to preplace work income. The problem with both funds is that they tend to go through long periods of no growth. IF you are selling share for income during a period of no growth or significant looses. During these periods of time you run the risk of running out of stock to sell. So some investors add dividend or bond funds for income You want enough income to every more than your living expenses. Some therefore just before retirment add these funds for income. Others add dividend or bond funds to VOO or QQQ or other growth index funds and and split the income from dividend and growth funds equally and depoist an equal ammount of money in each fund they have.
SPY - Bull vs Bear Currently $737.55, down 2.58% today. Not a company, but here's the index breakdown: Bull case: US corporate margins near historic highs, Al infrastructure adding $1-2T in enterprise spending, S&P 500 has recovered from every major crash in history. Every 20%+ correction has been a buying opportunity on a 3-5 year horizon. Bear case: Forward P/E at 21x is 90th percentile historically. Magnificent 7 = 30% of the index \- if tech multiples compress, the whole index feels it. Real rates still restrictive. Fun fact: VOO and IVV do the same thing as SPY for 0.03% vs SPY's 0.0945%. Long term holders should consider switching. Verdict: Best long-term wealth builder for most people. Short term - choppy until rate picture clears. Full analysis at norrisaius — code REDDIT-FREE-TRIAL
The only mention of VOO after 12h is your comment
I have active puts sold on VOO at 620 for June 18th. They had roughly a .05 delta a day or so ago. Your strategy is a little too risky for me. PS- Yes I do like SPX for the tax efficiency but wanted a CSP this time.
Guess I can continue to hold my VOO, was considering bailing after decades. Elon is a fucking moron and I do not trust him for half a second.
Yes, the people in their 50s, 60s and 70s are selling the VOO to survive and pay their food bill. They are selling it to the young generation who will rinse and repeat. Who is wrong in this situation? No one... Old people trade their stocks out to buy food. Young people buy that stock in the hope that there will be a youngerrrr person at the other end of the trade in a few decades.
The people buying VOO in 25 years.
So who's wrong when people buy VOO once a week for 25 years and retire in their 50s? The people selling VOO?
hes up 15%. VOO had better return lol
15% lol. Just fucking VOO and chill at that point idiot
When you sell an equity (at a profit) you have to pay taxes on the gains. If you've held it for less than 1 year you pay at your marginal tax rate. (32% in my case). If you've held an equity for more than one year, you pay at a different rate depending on your tax bracket. (For me, a long term capital gain is taxed at 15%). But either way you have to pay taxes on your gains. Now, what I had been doing was buying when I felt the market was going to go up and selling when I thought it was about to go down. I'm actually a pretty smart guy but not nearly as smart as I thought I was. Selling when you think it's gonna go down feels right at the time, but you have to pay taxes on any gains you've made. Now here's the hard part...knowing when to buy back in. More than once I've seen the stock go up after I've sold it and eventually I bought back in at a HIGHER PRICE THAN I SOLD! *AND I PAID TAXES ON WHAT I HAD GAINED!!!* What an idiot I was. With very few exceptions every stock I've ever sold is worth more now than when I sold it. Except when needed to purchase my house, I never sold a stock because I needed the money for something else, I sold it because I felt I could buy back in at a lower price, but those taxes were eating away at any advantage I may have made and in some cases selling was WORSE than holding. I'm sure lots of people sell a stock before it drops and buy back in at the right time. I'm not saying it doesn't happen. But for me and my situation, I found it was hard to do consistently and I was better served by buying broad index funds (VOO, VGT) and letting the professionals rebalance the fund for me without ME having to sell stocks, pay taxes on any gains, and repurchase elsewhere.
Sometimes I get tempted by posts the bet big and won big, then posts like this reminds me of why VOO and forget is the way.
I would like to but the capital gains tax would be a whammy. I have both VTI and VOO, which seems silly in retrospect with the huge overlap. VOO only moving forward.
Dump the VOO into whatever ticker you think will pump the most
You port is basically 85% QQQ, 15% VOO. Great if the AI bulls continues.. sucks if we have like Friday type of crashes.
I have SPY VOO NVDA and may have SPCX, Am I diversified?
I guess I didn't buy long enough ago. I started buying again about a month ago. Up about 10%, then lost all those gains in the span of two days, a little negative now. Honestly considering just selling everything that isn't an ETF/SPY/VOO for the peace of mind, then buying the dip back into ETFs. Im just scared of microconductor and AI stocks continuing to take large dives.
If you sell SPY or VOO to buy spcx you might be a regard, jus sayin
if you need a hold hedge that isnt dead money or VOO/VT, DBMF is a CTA hedge fund tracking ETF (kinda like the Nancy one but for hedge funds) that I think is a sleeper pick among the AI rug pull frenzy. idk if ppl even hedge at all though 🤷♂️
Fair. I agree the contribution rate is the biggest lever. I’m not trying to pretend ticker selection matters more than maxing the Roth. My main goal is just cleaning up the structure before I keep contributing for years. I’m leaning toward dropping the individual stocks and either going simple with VT, or using a controlled ETF stack like VOO / VXUS / AVUV / AVDV so I can keep a U.S. and small-cap value tilt. So the real question for me is simplicity vs control, not whether allocation matters more than savings rate.
Most people don’t have their retirement in QQQ. Most use VOO, VTI, VT, etc. (or target retirement date funds, which track VTI or something equivalent). None of these ETFs changed their rules for SpaceX. SpaceX isn’t going into the S&P500 (yet), and for broader “total market” funds, they’re just like any other stock, accounting for an immaterial portion of total market cap. It seems like you’re just repeating misinformation you read on Reddit.
That makes sense. I see it as control vs simplicity. AVGE seems cleaner because it handles the factor/global allocation inside one fund, but building it directly with VOO / VXUS / AVUV / AVDV lets me control the exact weights. I’m probably leaning toward the direct ETF stack for now and dropping the individual stocks so I don’t overcomplicate the Roth.
I highly recommend the [Financial Order of Operations](https://moneyguy.com/guide/foo/#7-hyperaccumulation) for not just investing but general financial literacy and priority. It’s great if you are investing aggressively and getting a 10% return, it’s bad if you don’t first pay off your credit card debt with 25% interest so you’re losing more money than you’re growing, or you didn’t first build an emergency fund to handle the little surprise expenses life throws you and you have to pull money out of your investments. In terms of what way to actually invest, I highly recommend the [3 fund portfolio](https://www.optimizedportfolio.com/bogleheads-3-fund-portfolio/?gad_source=1&gad_campaignid=10886055113&gbraid=0AAAAACPYnC6gFzivnN-AeQgEAzjrRXjev&gclid=Cj0KCQjwio_RBhDMARIsAJPveNPg67JDp3ImRsx7BkqroO_gAI2xRVosB4Epp3u9It3_7MtQ6_RMS8caApl5EALw_wcB) for maximum simplicity, maximum success, and minimum worry/effort. Buy low-cost broad market index funds, get one each for US stock market + international stock market + bond market, ideal funds are VTI/VOO/SPY + VXUS + BND/GOVT/VGIT or even simpler VT (total world so US and international together) + bonds. When you’re young you want way more stock index funds than bond index funds in your portfolio, for reference I am a 95/5 ratio of stocks to bonds and 29yo, and I’d be 100% stock if not for my 401k target date fund having a small portion of bonds anyway. When you are near retirement, about 10-15 years away, you adjust your ratio more to bonds. It’s preference what that retirement ratio will be, I plan to go to about 75/25 or maybe 80/20 depending on how I feel my risk tolerance is in my old age. Hope that all helps!
Either is valid. I'd say it depends how active you want to be with it. If you don't want to bother with it too much then your ETF stack is fine. If you want to be more active with individual picks then it might be better to have a simpler core so you don't end up overlapping too much. The great thing about AVGE compared to an index fund like VT/VOO is that AVGE is actively managed for higher expected returns. So while you cant control the weights, professionals are doing that for you. If you prefer to have control, then yeah you'd want to set up your own ETF stack.,
Fair point. I looked into AVGE and I see the appeal as a cleaner all-in-one Avantis/global equity core. My only hesitation is that I’d have less control over the exact U.S., international, and small-cap value weights. I’m leaning toward either AVGE + VGT for simplicity, or just building it directly with VOO / VXUS / AVUV / AVDV and dropping the individual stocks.
I'm a big fan of Avantis funds but I don't think you need AVUV with this set up. If you want a VGT tilt I'd probably combine VOO+AVUV+VXUS into something like AVGE which gives you all Avantis funds. Then you can still leave some % for individual picks.
That makes sense. I probably don’t have a strong enough macro thesis to justify being 90/10 U.S./international, so I’m leaning toward at least raising international to 20–25%. I also see the point on small-cap value. A cleaner version might be something like VOO / VXUS / AVUV / AVDV instead of adding individual stocks on top of VOO and VGT. I’m not trying to overfit the portfolio based on AI or short-term macro, but I do want the allocation to make sense long term. Appreciate the breakdown.
dump the last 5 and put everything in VOO and VGT, either 50/50 per month or 100 in each, alternating months
I got an inheritance and took an in-depth class in the stock market trading. In the third month they said only 2% of brokers beat the index. I dropped out of the class and quit the market immediately. VOO and bonds now. I like coming here only because it's funny.
Fair criticism. My goal was a simple long-term Roth with a U.S. tilt, but I get the overlap point. I’m reconsidering whether the single stocks are worth holding separately when VOO/VGT already cover most of that exposure. For international, I used VXUS for broad coverage, but I see your point on adding an international small-cap value sleeve like AVDV instead of only using total market. Would you personally run VOO / VEU / AVUV / AVDV only, and if so, what percentages?
Dumb. You already own meta google and Eli Lilly in your S&P 500 and VGT. You have a SCV sleeve for US (AVUV) but none for international (AVDV) and instead hold total market in your international VXUS. VOO, VEU, AVDV and AVUV. Cover everything you want with less mess and without overlap. Your percentages are also shit. What’s actual global distribution? 60/40 US/Ex You are (arguably) 90/10. Which isn’t off from most US traders, but it is still wrong re balancing out of America in next decade (and what actual market distribution should have you at).
I would drop the individual stocks because they’re already components of VOO and maybe the others. Otherwise looks solid
Do they like individual stocks here? Every conversation seems to come back to "Buy VOO, wait 30 years, and shirt term price action doesn't matter in the long run"
You'll get lots of opinions. Trust in yours. Ensure your funds diversified, as VOO and VGT have some overlap, invest steady and long term, can't go wrong.
Just buy all VOO and ignore the market for the next few decades.
35 with no debt and you already sold everything and bought VOO, that's the exit most people never actually take. The shame fades faster when you're not staring at the ticker every day. Your parents will understand. Build the life now.