Reddit Posts
VFQY as an alternative to VOO's tech overweighting?
Portfolio Review: 3–5 Year Horizon, Moderate Risk
The "sell employee stock purchase plan" immediately strategy. This doesn't seem logical to me based on percentages
Anyone else considering increasingly moving to short term govt paper in their tax-free accounts?
I have 11k in stock and I am 20 years old. Where do I invest?
Investing $100 a day - what would you choose besides VOO?
Investing $100 a day - what would you choose besides VOO?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Once again S&P1 seems to be the best long term strategy over the S&P500
I have been DCA’ing into VOO since 2012 and now I’m rich.
VOO Performance Lately / General Investing Approach
After playing options, my net worth is currently 30$
Isn’t concentration actually proven to win over the long term? .
Any advice from experienced investors
At what point is qqqm better than voo for young investors?
What ETFs or Index funds are y’all thinking about bidding on? I really like VOO as a long term play for myself
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
Mentions
Sell USAR, IPGP, SMTC, and half the proceeds in VOO and other half in Government Bonds: [https://investor.vanguard.com/investment-products/list/etfs?filters=open](https://investor.vanguard.com/investment-products/list/etfs?filters=open) The stock market is very long in the tooth and the yield on the 10-year bond crossed 5% (it's safer to invest in bonds than stocks at the moment). Best of luck.
start w $VOO or $spy and find your way Since you get acct built up branch out to individual tickers and some nine degenerate options I have trad IRAs, brokerage accts; and Roth IRAs and the latter u put the most risk in. other benefits for Roth’s are no wash sales, no issue w short term capital gains and much more man honestly, if you listen to WSB and just do Degen shit you’ll be here in 3 years w $200 talking about bers and bols
SPY or VOO, buy shares.
Why would I buy VOO and be up 12% YTD when I could lose my house betting on ODTE Nvidia options?
How will the crash happen? Is it over night drop of VOO by 5% or something else?
I’ll be adding to VOO by default as I regularly do but I’ll just add extra on super down days but VOO is not down much obviously
Dip bought. Got Amazon, VOO, NBIS and KEEL
This is the way. I keep half of my life savings in long-term equities (boring global + value + aggressive growth) in case I get an upside from it on the off-chance as time goes on, and the rest I keep in cash to live my life because anything can happen any day. Honestly US tech/megacap (VGT/VOO) and global broad market (VT) is a sure bet IF the world stays safe. But political volatility, war, solar flares (as mentioned), asteroids, climate change and other freak acts of nature, etc. can all happen any time. If the equities get wiped - nothing much you can do, at that point all non-physical assets are getting wiped, and even physical ones like your own bought and paid for home can get snatched, let alone those partly paid for on mortgage.
USAR was just a weird gamble I made. I wasn’t to worried since the cost for my volume was so low. I think currently I’m going to dump the ones you recommended and hold on for the time being with the rest of my portfolio in case of recovery and just dump the rest of my earnings into proper ETFs as many in the comments suggested and just let the portfolio grow. Depending on how the end of this month goes I’ll primarily switch everything to VOO, SPY, and QQQ and as you suggested keep only a handful of speculative stocks for the swing trading. I think I just got way to ahead of myself when I got in and as soon as I was doing better and better got hooked into the gamble of it
dropping 8k in two days on a 34k account is jarring but not unusual when you're holding TQQQ and a bunch of concentrated tech names through a correction. selling everything and restarting is the same emotional move as the one that got you into 12 tickers in three months; you'd just be reacting in the other direction. if MNST and VOO are your long-term core, the real question is whether the swing trades still have a thesis or you're just holding them because they're down.
the idea that 4 years is enough to ride out a generational valuation top is wild. after the dotcom crash, it took the S&P nearly a decade to make a new high, and Nasdaq took 15 years. buying VOO at CAPE 40+ means you're buying heavy concentration at terrible starting valuations. blind "buy buy buy" at historic tops usually ends with people sitting in the red for a decade
VOO YTD is up over 12%. If you’re not making any gains you’re a fuck up
Should I sell all my VOO and go 100% into NBIS?
This is the worst year for me, should of just bought VOO
I’m not pulling out cash (or selling assets), but I started to get concerned about an AI bubble about 6 months ago so I paused all automatic purchases of the 6-10 high conviction stocks that I’ve slowly been accumulating positions in and instead put all of those DCA purchases to VOO/VXUS, which is slowly decreasing my allocation towards those stocks. I also upped my monthly automatic purchases of $SGOV which I’ll use as my emergency fund, but I’m about 5 years away from hitting my goal for that fund.
Trimming VOO/QQQM for some CORD profits was a good move for the week. Long live this CRWV bloodbath.
I am doing the same but with QQQ. I have more than 10 years to wait and honestly technology sector is still the present and the future. You can name AI, robotics, software, automotive everything is related to any company possible listed in QQQ, same for VOO but in any case your total market idea is not bad by any means... After 20 years i guess you should be very happy with your income.
Needlessly overcomplicated, just go 70% VOO 30% VXUS. Wrong sub entirely for this anyway, you should be yoloing 0DTEs on MU/SNDK
Hey all, I just recently started investing, I put a little into VOO and VXUS today along with Microsoft which I just added. I also have a little bit invested into constellation. Should I add anything or stop investing into any of these?
Will someone please tell me if Voog is a good 30 year investment for a simple retard or should I do QQQ, VTI or VOO
If you’re continuing to make huge levels on income, save every cent you can. I’m younger so my risk tolerance is higher, but even at 10 years out, if you can invest even $25k a year into VT or VOO you’ll end up with above $500k by 70. Add that to your SS and you’ve got a very nice retirement.
Something like VT would be more diversified with broader exposure across countries and small to medium cap than VOO.
Stock picking comes last. Put everything in VOO for broad market exposure, QQQM for diversified technology. Learn to DCA, look it up. Learn to handle your emotions, i.e. swings in the market. Stock picking is hard, it basically comes last in an investor's education, don’t try to be a hero.
Maybe they should do VOO and Chill
VOO and chill. That $100k becomes $200k in 7 years, $400k in 14.5. Don’t try and time the market.
1/2 is Apple, and 1/3 is VOO? So that is 83.33%, what's the rest?
What do you have against the S&P 500?? VOO-Vanguard S&P 500. But I’m guessing it’s just about to turn upward for you… to the moon I’d imagine.
Here in Canada I bought up some VFV (aka VOO) and VGRO today
VOO only down 1.09% today Like, it’s not a big deal.
I guess it's due to the fact that you're 60 but surprised most of the comments aren't, Just VOO and chill.
I have $1.6 million dollars! I'm screwed!!!! Boy what the hell are you talking about? Even if you paid off your student loan debt today you'd have more money than most people earn in 25 years. And who told you to take out loans for your schooling when you had that much cash sitting around doing fuck-all? Did you make a mistake? Yeah, but it's a different mistake than spending all that money friviously. You've still got it and can put a milly in VTI or VOO and live a modest life off dividends. You're going to be fine.
Look for a flat fee advisor - links are below. Anyone can call themself a financial advisor. You want a CFP who IS NOT working at a bank. Also be wary of anyone trying to sell you whole/permanent/universal life insurance or annuities as they are making a huge commision off of you. A good advisor should explain things so you understand, and they should prevent you from doing stupid behavioral actions like trying to time the market, pulling your money during a market crash, going all in on select tech stocks, perforamce chasing etc. - https://www.flatfeeadvisors.org (**flat fee only**, no AUM) - https://adviceonlynetwork.com (**flat fee only**, no AUM) - https://hellonectarine.com/ (**flat fee hourly or 8 week engagement**) Fees are also very important to look at. A fee of 1% a year will eat away your potential growth to the tune of 33% over 40 years. If you have invested in a broad based index fund like VOO or VTI 10 years ago, you would have at least doubled your money.
VOO and at least double every 10 years.
Why do you have two cars? Can you get rid of one and use the car payment money to put into investments? You should be focused on shedding all unnecessary expenses, after having gotten rid of all high interest debts (credit cards etc). You should put your 100k into VOO and then not look at it until retirement. Don't touch it even in emergency as it will cause tax implications you don't want to deal with. And you should contribute as much as you can from your salary into a tax deferred account, like a IRA or 401k.
Pick a realistic number on how long you want to plan (financially) on living. Say 85, for example. You need a number to work out the math. You'll also need a plan for what happens if you live beyond, but realities can be faced level headed. Returning to the question, given $100k and planning to 85 (or whatever you choose), get a good free financial planning software and plug in your scenarios. Good choices are trials of Boldin and Projection Lab. It'll advise you on percent of stocks (e.g. S&P 500 etc like VOO) and treasuries. It'll give you solid data to make personal choices and show you exactly the position you're in. No one can tell you (accurately) if the market is going up or down in the short term. So, if you make decisions to wait based on people's opinions, one scenario is that you'll be in cash (or treasuries) waiting at 75. Choose a course based on solid numbers and commit to it.
You'll be ok. DCA into VOO or something and just start saving more. Your SS will buoy you along just fine
You could put it in US treasury notes. Call your brokerage and see if you can set up a treasury ladder or could just put it into $SGOV. I feel like your timeline is short, which influences how risky you can be. You could place a portion in VOO (60k) and 40k in bonds, since yields are around 3-5%. Will at least generate some income for you as a retirement safety net with less risk than a full equity portfolio. All depends on your risk appetite.
There are lower cost funds than VOO, but you'll be saving fractions of a percentage point, so it's not really worth the effort to find them.
John Bogle did his thesis showing mutual funds could not beat an index. IE professional money managers. 1951. He wrote a book detailing his proof. He then started a company based on this idea. Vanguard…..you may have heard of it. Warren Buffett emphasized this fact in an annual meeting \~2007 and made a bet with any manager they couldn’t beat the S&P 500. 1 or 2 hedge fund managers took him and lost so bad they gave up. VOO is the likely the lowest-cost index fund replicating the S&P 500. Don’t believe me. (or anyone) Everything I stated is easily verified.
VOO & chill geniuses who put their faith in Standard & Poors now bagholding Bloom Energy
VOO and chill but VOO won’t chill tf out
Sell now. Put all your money into VOO. Set auto buy every week and forget about it for 25 years. Do it now.
What VOO-like broad etf would you invest in when you have fears of a recession? World-etf?
Your strategy should be early and often. Control debt. Build a cash/emergency fund. Maximize the advantage of free money (the employer match) and tax advantaged accounts (Roth, 401K, etc.). Plenty of writings out there about how $100/month from now until your full SSA retirement age invested in something like VOO or VTI should give you a high probability of success. Once you're hitting that threshold you can do more to work towards FIRE or FIRE COAST.
man even my "stable" VOO/VOOG are down almost 2%, bulls are fukt
Invest in S&P 500 ETF like VOO, SPYM, etc for long term investment, being away it can dip in the short term and take months or years to recover. If you know you need money on short demand (less than 1 week notice) invest in SGOV, VBIL, or if you live in a low income tax state consider JAAA which earns a little higher rate, but incurs more state tax, though be aware it can dip a little more, best if you KNOW you will not need to touch the money for at least a year to give it a headstart
Exactly JAAA is very low risk, VBIL is even lower, both are low enough that if they crash you have bigger worries. Even VOO is safe in the long run, the only truly risky stocks are individual companies, and small tightly focused ETFs, along with of course Options, etc
Expand your time window a bit, look at 6 month, 1 year and 5 year numbers, if you want to be conservative invest in VOO or SPYM, if you want to shoot for bigger gains, with some higher downside odds, invest in SPMO, VFLO, FELV, GARP, just know that all of these may get hit harder in certain downturns than VOO.
Figure out how much of that 8700 you don’t expect to touch for 6+ months. Invest it in the VOO (S&P 500) ETF. Add to it every month or two as funds allow.
Yes , although I will not cut my losses I am praying to get even to just full port into VOO
I’m in the same position pretty much ugh. Might just cash out and buy VOO
it is not an appropriate selection for a position of this size relative to his entire port. 7 million has really has basically, one place to live--SPY or VTI or VOO. Which are all basically the same thing with different fee structures. This is just greed.
Stop overthinking and buy more VOO. Source: Am rich from buying VOO for the past 20 years especially whenever there is a drop in price.
Same, I have a position in VOO that's also up ~80%, I got it at $386 on May 27 '21 and thought it was expensive at the time.
Make sure you have a 6 months emergency fund then just start putting as much as you can in VOO. Sprinkle in a little bit of QQQ as well if you want but buy mostly VOO.
I have 150k in VOO, up 80%. And then i have 25k in stocks, down 30% lol.
Just pick something or VOO. Everything is on sale today, chances are most will go back up.
If you have plenty of time before you need the money, then yes, you have plenty of time. If you are subject to sequence of returns risk, it is highly irresponsible to VOO and chill when the market is over valued.
People should build a sizable port in VOO or IVV to get that compound growth snowball large enough and rolling so that it becomes a machine that churns out more and more money over the long run. Once the portfolio is sufficiently large, only **then** should people use a small percentage of that net worth / future paychecks to make YOLO plays to scratch that gambling itch. But here on wsb there are way too many idiots who want to get rich quick, which is good news I guess because we always need new Wendy's and Starbucks employees lol
If you're planning to retire you should already have an adequate amount of fixed income assets to survive SORR. It doesn't have to be 100% treasuries or 100% VOO
I’m only in ETFs like VOO and VXUS. Can someone tell me to chill because I missed that part and don’t feel very chill right now
Smart money already started. I’m not saying you have to sit in cash. There’s more assets in this world than VOO. There have been many opportunities to do that so far. Examples include Gold in 2023 and Oil in 2025. Both leaving VOO in the dust. Neither at all time highs yet and great bottom buys. Also, US Treasuries printing a guaranteed 5%+
I moved the majority of my ETF holdings from VOO to VXUS/RSP, with a small slice in QQQM
Inflation and Taxes would. That and VOO is up 14% YTD.
The unhedged bit is what gets me. The average person in Europe buying VOO through their bank app has no idea theres a currency in the trade at all, they think they bought 'America'. Then the euro does something and theyre flat for two years and blame the fund.
So then what's the play when you see this? Say you're a bogglehead and all you hold is VOO. Do you liquidate your portfolio on the bet that there is a crash, cash out at the top and then buy back in at the bottom? No, you don't, because you're a bogglehead and you're betting on the long term play always being higher and so you just keep DCA'ing into VOO and ride it out. What's the play here if you've been doing this since 2000?
I'm none of those things. What have you held for 10 years? How does an investor in 2015 select a stock that will confidently do better than CAT? Had I invested the 100K being discussed in this thread in Feb20215 when I bought, the position would be worth about 1 million (and I didn't have DRIP turned on for the first 8 years). This leads to the question, "HOW do you pick one stock for the next 10 years?" Don't just throw out a popular WSB ticker. I think AMZN and GOOGL are good to talk about in this discussion due to market penetration, staying power, multiple revenue streams, and a history of performance. PS - That list isn't my portfolio, which is dominated by VOO, VTI, MOAT, DIA, SGOV, and CAT. It is just the tickers I've held for 10+ years. With the luxury of hindsight, we know I could have done better.
I have believed since the seventies that over the long run, human ingenuity deploying capital gives on average better returns than the after-tax after-inflation return on bonds. I have never had reason to change my mind. Just keep buying. Since no one knows what, buy VT or VOO or something. The key is do not sell or stop buying during the drops.
True. VOO or VT or similar is fine for almost anyone.
I'm 3 years away from retirement, I created a TIPS ladder. If I was under 50, I'd be 70% VOO and 30% VT.
That VOO still returns double of that on average, at last check. Don't get me wrong, if the 10 or 30yr gets to like, 8%, it gets tempting to take a 2%(average) haircut on returns to have peace of mind. But right now, at 5%? Nah.
It's what I do with my roth. Up %38 all-time QQQ, VOO, VEA and VB(<%5 allocation for VB). Compare that to my taxable account where I trade options and shares with positions in individual stocks and no etfs(-%9 all-time lol)
Haha yea. Probably take the rest and buy into VOO or something and stop looking for 10 years
I’d pick BRK.B. Markel, Brookfield, and JPMorgan are reasonable alternatives, but Berkshire is the better all-around bet if I can’t just VOO and chill. If that’s cheating, then AMZN. If that’s still cheating, then ASTS. It has a high risk and high reward roadmap laid out with good EV - and plenty of degens to help it along or get drunk with if it burns. Anything riskier than that goes into options or starting your own business. Don’t buy into other people’s startups.
Diversification is never a bad idea. With the VOO so skewed towards high tech growth I think SCHD is a good balance in this environment.
What? My original comment simply said it was good opportunity few months ago, but you seemed to be hell bent on trying to say it is not because everything need to be compared against VOO on 1Y
brk is up 5% YTD. Poor Buffett should put his money in VOO
Who said you can only buy it at Jan 1 instead of 6 months ago? And VOO has more risk due to AI cycle
7% total return underperformed VOO, with more risk.
Seriously. 500K? Just buy boring shit like VT, VTI, VOO. It will grow plenty without the chance of losing it all overnight.
"I just need a good day tomorrow"... desperate gambling mindset. you need to put your remaining $500 in VOO, delete robinhood, and then dont look at your account for at least a year.
Yeah I ended up selling most and only holding as much as I’d be willing to risk at this moment in time. Sitting on 14k buying power and will likely just put all into VOO and chill
Whatever an equal split between VOO, QQQ, and NVDA gets me.
It's funny because all you really have to do is buy VOO
Don't have time to pick and choose? That's what ETFs are for. Never pay a third party for stock choices. They're making money off of subscriptions, NOT success in the stocks they pump out. The only acceptable form of this would be an account manager type service such as with fidelity or jp morgan or whomever your invest with. Even those may take risks and are no guarantee. If you don't have the time or effort to put in? Invest in VOO. It's slow. It's steady. It's not glamorous. It is reliable, as it will generally be managed to keep up with the market as best as they can.
Hey that $14 will compound a couple of cents each year you keep it in VOO.
You could've been up 14% YTD by being boring and buying VOO. Instead you blew your port up on 0dtes.
Buy VOO or SPY. Spread your 500k over 6-12 months. Preferably over every 2 weeks, during that period. Should get you a decent average through the ups and downs.
It might be a bad time to invest right now but no one knows. Since things are high I’d put it into something safe like VOO which covers most of the US stock market. There is also VT and VTI if you want to diversify even more.
id put half of it into VOO and the other half into QQQM. but i love tech, so... lol