Reddit Posts
23M, just started investing. Is VTI really the best strategy, or am I missing out on better growth?
$5 Every Trading Day since April, Finally at 1 Share of VOO
What's been happening with the S&P 500 these past few days?
My trading regime (What is yours?)
Best investment strategy for self controlled 401K
If SpaceX merges with Tesla, what will the consequence be for the S&P 500 index, specifically VOO?
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
Mentions
VOO is down today but yes, I do agree with the sentiment
I know HOOD already talked about it in their ER, but I imagine we are gonna see a crazy shift out of stocks by young people next year. Like not even the gamblers, but your traditional VOO investors too. Would not be surprised if there is some regulation passed later even by this admin if it starts to effect valuations. Like sure it is a more efficient means of extracting capital, but it effects boomers 401k they'll be hell to pay.
Why are there lurkers in here, people who just VOO and chill. Reveal yourself.
This is why I VOO and chill
Nobody in here on that VOO and chill gang. Everyone got loaded to the tits on Microsoft, Google and Amazon. They’re down slightly more than 0.9% today :))
67% means the S&P 500 more than doubled in a year. Anyone holding VOO or FXAIX in their 401k would've noticed that on their statement. He's probably quoting the one guy in the room who went all in on something stupid and got lucky, and calling it a policy.
Agreed. Still early in my long term investing. I think I am going to hold the shares I have in im VOO and QQQ but looking to pivot to utilities for the forseeable future, at least until I get a better idea.
If you had just stuck your money in VOO and done nothing you’d be +11% YTD
Finally understand why they kept telling me to buy VOO. It’s not for the gains but to prevent you from sucking dicks in a market crash
VOO is barely down in after market
So I got 5k in VOO with an ac/share of $655, total profit around: $350 Goog is trading around: $279/280 Should I sell all voo to buy goog at this price? I mean the PE has lowered to a point where it seems reasonable and slightly undervalued? is this gonna be like the next meta and msft? They all went thru a similar phase this year. Thanks
So I got 5k in VOO with an ac/share of $655, total profit around: $350 Goog is trading around: $279/280 Should I sell all voo to buy goog at this price? I mean the PE has lowered to a point where it seems reasonable and slightly undervalued? is this gonna be like the next meta and msft? They all went thru a similar phase this year. Thanks
VOO down 0.25% my port 25
The equal-weight S&P 500 was up 1.2%, outperforming VOO by 1.56%. Diversification matters.
QQQ and VOO should be down alot more..
I usually don't think this but tomorrow is going to be bloody. Fuck it, let everything burn. I'm completely out of all AI except for VOO. Even sold my VGT this summer.
Apple seems to be on par with VOO for buy and chill
the times where you wish you bought VOO instead of peak WSB hype
Yes but I go VOO from now on
So you're saying I should sell all my VOO and dump it into GOOG?
You should also mention casual $70,000 most people have lying around to buy one contract on VOO.
Smart brother, stay true to $VOO
Are you asking for advice on investment selection? Or account types for investment? In a 401k there is no tax drag for trading if you don’t have fees to trade (which is typical) so you can experiment without long term structural issues like in a brokerage account. My personal feeling is eventually simplicity wins so I would basically go nearly 100% stocks in your retirement account at 19. An old fashioned advice would be a Sp500 fund like VOO. More modern might be a total market fund (Russel 5000) like VT. You could diversify more by adding al international with something like VXUS or increase exposure to NASDAQ. Any of this could be reasonable at your age and investment level.
So, just doing the math — buy at $100, collect $25, stock finishes at $50 — you’re still down $25 per share. That buffer helps, but your stock selection still matters. How have your total returns compared with VOO over the same period, including losing positions? And which tickers, strikes, and expirations are you using?
https://preview.redd.it/jvgke4l6yfyh1.jpeg?width=1170&format=pjpg&auto=webp&s=7565502ad317cbcdf1a3404e633dbbff003b5365 Did some picking here… got nvidia early which is the only reason I’m not negative with picking stocks. Been doing VOO for past few years. Also got about 50k returns in an IRA and HSA I’m not bothering to show you, and 850k of company stock I bought for 250k - It’s heartland dental.
why is VOO so down?
My emergency fund is always SGOV and I continue to invest other income in VOO/VUG. When the boom happens, I'm not going to be constantly watching stocks everyday to be able to catch it on time. (If I even trust myself to jump in) If it drops, I don't need the money for decades so it has time to recover.
I still mix it with VOO. Then rebalance as they drift away from my 60/40 allocation, assuming a 401k account. But it’s your money, have at it.
Nah. Just get your GOOG exposure with VOO at this point. No need to take on single stock risk for a company that is obviously in a multiyear transition
Youre comparing apples to a house. Dividend stocks with 6%+ yields rarely compound at 12% total, the payout eats into growth. And expecting VOO to hit 12-16% from these valuations is a stretch, but you already know that from the top comment. Rentals win because of leverage, depreciation, and forced equity paydown, none of which stocks give you.
If you want mutual funds that will really depend on what brokerage you're at because most/a lot charge extra fees (like $75-150) to transact other brokerage's mutual funds. If you're ok with ETFs then just grab VOO and maybe a foreign one like vxus
Put your money in VOO and stop trading
well dudes, the days of WSB are numbered. 23 hour trading will end everything that's left. guess i'm back to VOO and fucking gay
Has nothing to do with Google. Go look up most stocks and they dove. I know Intel and VOO even dove instantly after hours.
these past few weeks make VOO & chill seem so appealing. bet everyone doing that is just snug in bed reading a book or some shit
So my VOO is taking a hit tomorrow. Thanks GOOG.
Glad you bought very less.. I suggest you just buy VOO and focus on your primary job🤟
the "buy VOO and wait" people are gonna have a nasty wake up call over the next decade
Take your gains and invest it in something SAFE like VOO or SPY. Better yet, plug in that $3k to a gains-over-time calculator and see how much it'll be in like 20 years. Future you will thank you!
Was priced in…… keep buying VOO….. see you in 15 years
If I had a share of VOO everytime i've heard someone say that
Algos have burned me for the last time. They're the one thing making this shit into a kangaroo market, buying on fake headlines and dumping literally any rally. Might just be a VOO and chill investor so I can touch grass with my new free time.
Dude, you can't prepare... Look at the 5-year chart for VOO: On Feb 20, 2026: $634.03 It "crashed" on Mar 27, 2026: $582.96 It's currently at $709.26 Sure, you could've gotten lucky and gone all in at $582 and timed the market!!! But it is terribly hard to do so. Yes, these events happen every so often, but at 18, you're better off working out, laughing, reading, etc. Invest every week on the same day and don't think about it too much. At 18, you should know you'll experience a "crash" every five years or so. But overall, everything will keep going up. If it doesn't, there are worse things to worry about.
This is not popular on this sub, and I'm not even saying you need to do this. But Indexed annuities and RILA's (also annuities) are the two financial products that would fit what you asked for. I think others may be right, that your problem isn't with loss, it's with substantial loss. Indexed like VOO and QQQ could hypothetically go to $0 but they are much less likely to do so.
No. Perfection is priced in. Just buy VOO
\> I've lost an inordinate amount of money this year thanks to investing in stocks. Stop gambling if you can't lose money. VOO/SPY is up 13% this year. QQQ is up 17%. These are index funds. Though this doesn't answer your question, because it will often be in the red on a daily or monthly basis.
No reason, I’ve done VOO before too. More institutions do IVV than VOO as I recall.
VOO has both. Then you don’t need to waste time thinking about it.
Young US investor here! I use E\*TRADE and recently learned that VOO, VTI, and QQQ overlap. I want to diversify for long-term growth. Would you recommend VXUS, DFAX, AVNM, or other ETFs? Also, are there any lower-risk options for short-term trading? Open to suggestions and advice!
Ask your bank to put you in VOO or VT. Don't let them put you in bonds. Can buy TLT and GLD in small amounts (maybe 10% each) since they are cheap enough right now to actually hedge a crash efficiently. But do sell all bonds in the next market crash if yields do in fact collapse.
Crazy days ahead Play it safe people. VOO & Chill FXAIX & Chill
Why IVV and not VOO? Just wondering.
My advice to you would be keep 3-6 months of expenses in vbil (i prefer to sgov slightly) and put the rest of your money in VT or VTI/VOO if you dont want international (I would go VT). Is your advisor beating the market? How much do they charge? Plug those numbers in and see if its worth it. Most advisors will charge you a fee and still not beat the market, much less if you include the fee drag.
um lowkey don’t have a lot of money but mostly in VOO and then a few positions in tsla nu avex and brkb
I keep mostly cash because I’m in and out of trades often and I’ve found holding most companies long term results in less than I make from entering and exiting, sometimes you hold a company for years and the overall return is flat or negative so I prefer stacking cash from winning trades now obviously that’s easier said than done but I do have a really good win rate because I understand the driving forces behind price action so I position myself accordingly, a good example is google, I trade it when it’s on an uptrend and put the profits from that into shares I hold long term which I find to be better than initiating an actual large long term position that can drop in value and negate the entire purpose of investing, I know that such active management isn’t everyone’s style so I recommend having 1/3 in safe stuff like VOO and QQQM, 1/3 in swing trades on companies whose price action you’re very familiar with and 1/3 in cash to add to those other positions on red days as far as how to enter and exit those trades I could write another huge paragraph and idk how much space there is for one comment
$9800 of this is already transferred over to my VOO account brother 🙏
95% VOO and 5% GLD (or speculation of your choice) plus a few physical buffaloes to scratch that itch
I did he said "VOO and chill" and im not even being a bitch that actually happened
will they come if i keep it all in $VOO?
I am trying to do it with AI assist and my benchmark is VOO YTD, we are running neck and neck. We might pull ahead this week or we might fall behind. Stay tuned. I have found it sometimes the best course of action is to do nothing. It’s hard for us to do nothing as we are men of action. The reality is you only need a handful of really good trades a year to make decent money. I am learning this and it is quite boring to be an investor.
I've been buying and holding for around 3 years and have never sold a position. I'd like a gut check on whether to hold, trim, or diversify further. Holdings (\~$31.6K total): FXAIX (Fidelity S&P 500): \~46% VOO (Vanguard S&P 500): \~31% QQQ (Nasdaq-100): \~15% NVDA: \~3% AVGO: \~2% ENB: \~2% EQT: \~1% CRWV: <1% SPAXX (cash): negligible FXAIX and VOO both track the S&P 500, so about 77% of my portfolio is effectively one index. Adding QQQ, NVDA, and AVGO puts me heavily in large-cap US tech. No international, bonds, or small/mid-cap exposure. The individual stocks are about 8% of the total, and I've never sold any. Age/timeline: mid-30s and looking to save for retirement via this brokerage account (already have a 401k) Risk tolerance: High Country: USA
S&P 500 (SPY/VOO): SPYL, CSPX/SXR8, VUAA, SPXS Nasdaq-100 (QQQ): CNDX/SXRV, EQQQ, XNAS
Now go all in in VOO and chill your ass donw
This is why I can't stand the constant "BUT VOO IS UP 12% YTD" yeah but all of the money I've put in since August has just bounced back and forth around $707 a share. Almost all of my gains are from shares bought last year.
i’m holding TSM now and around 53% up right now. should i sell it and move it to ETF like VOO?. i feel like TSM doesn’t make significant move in the last 6month
Honestly do I just VOO and chill or should I fomo into shit that’s up 10% today?
I mean... if you are saying options is an investment, then ya easy to form a bad habit. but if you just put money into VOO and chill... wait decades, you should be fine
I have a big decision coming up as to what to do with a chunk of liquid inheritance funds. I am 36, make 85k a year, single, but likely to be married within 2 years to a partner who now is on a grad school stipend, but will eventually make 60-80k herself. I have 28.5 years left on a mortage, 1700 a month P&I at 6.875 percent. 2150 a month with escrow. Right now I pay a solid 15-18k in interest a year which helps a lot on the tax return, but that will likely go away once I'm married and filing jointly. I have 65k in 401ks, 16k in a roth IRA (To be maxed each year from now on), 40k in an emergency fund. I will be inheriting around 130-140k in a few months. The big decision is whether to invest it in VOO in a brokerage account, or pay down the next 22-23 years of my mortgage. I hope to retire at 55, and will sell the house when I do (I will live in a shared family property) My plan is between the house sale, 401k, and other accounts to have 1-1.5 million at that time (I'm a cheap SOB, and will likely be receiving 300-700k from my parents in an IRA to fund the 10 year gap from age 55-65) Based on my income and years of service, I'm looking at about 1500-1600 a month from social security starting at age 65 (Lots of 0 years from grad school and early retirement). Planned retirement income is around the equivalent of 50k today, as I will have no mortgage payment. I know some of the obvious things 1) Brokerage is taxed 2) mortgage interest is deductable 3) Paying down the high interest loan is the safe risk free option (Except the lack of liquidity if emergency strikes) The idea of having a house paid off in 5-6 years is exciting, but even then that's just an extra eventual 1700 a month for a 403 or 457 plan, and it wont even begin investment until 5-6 years from now where I would lose growth. If the S&P goes up 10% the next 25 years, I really screwed myself. If the S&P drops immediately after buying with so much volume,, I screwed myself that way. Its also up in the air whether I will stay in thie house, or sell it within a few to move for my GFs hypothetical new job. If I sell early, the paying off the mortage doesn't really seem to make as big a difference. Really the big decision is brokerage investment or mortage payoff.
Honestly, I was in a similar case based on those numbers. How are you trading? You should consider just holding something like SPY or VOO or some shit if the number isn’t something you need soon.
If you just bought VOO you would be up 50%
VOO QQQ SCHD and maybe MU same goes for india any individual company to hold over 30 years is risky business
https://preview.redd.it/nrt7a1nah0yh1.jpeg?width=928&format=pjpg&auto=webp&s=e36f64e7dfe001cc1d02b5c01bf279612cffd7f2 Transition to VOO & Chill while you still can 👍
No, you are young, as an option you can just invest in the S&P 500 like VOO and don’t ever have to worry about it. Set as an automatic investment! Best place to invest is in a ROTH IRA, let it grow until you’re ready to retire (for ROTH IRA, at least 59 1/2) and sell that to purchase dividend stocks to live off and you’ll never have to pay taxes on growth or dividends!
Its actually like a $300k+ loss if you consider the gains you lost if you had just thrown it in VOO
VOO/VTI or any SP500 index is the obvious safe bet but this is WSB, basically gambling addicts making fun of other gambling addicts. Having a Roth and knowing my money is making even more money is the best feeling ever. Wsb comment section is what I’m here for, peak comedy 11/10 😂
Yeah, but look at the conditions that the person asking the question outlined: * 30 years old * 1 million in the bank in 2008 (1.6 million today) * Not a full time investor * Can cover your expenses for 18 months * No dependent Buffet said under those conditions it make sense, which it does. Again, if you have a 1.6 million dollars in the bank today and are 30 years old and have no dependents it's not about maximizing capital, it's about greater returns that short term treasuries over a long horizon. I'm not knocking the VOO recommendation, which you're right about Buffet often recommending. But people often twist or conflate his recommendation to invest in VOO in lieu of BRK itself which isn't exactly what he was doing. I'm not advising stock picking at all, I very much am in favour of index investing and think VOO is a great default choice.
So your suggestion is that your 10% sleeve used to take big swings was effective, now you're going with a 50% sleeve and you expect without the 90% psychological cushion in VOO you'll have the same success rate? Good luck with that.
To be fair, Buffett clarified that although he advised the trustee managing his wife's inheritance to purchase VOO, it wasn't about maximizing capital, it was about 100% peace of mind. His wife would already have more money than she could reasonably spend so there was little reason to accept additional single company risk to pursue greater returns.
Get a job kid. Invest in the Roth IRA. Buy SPY or VOO shares and max out contributions every year.
Most people in here have to work hard to lose like that, but it's effortless for you, congrats. Seriously though, if you're unemployed, don't have your entire nest egg in risky stocks. If you had that in VOO, you'd be +11.65% and you might want something even more conservative until your situation stabilizes.
Did you learn anything from it? It s good to write things down and then look back to see what you did wrong. You still have $37k left. Even Charlie munger lost about 50% on his investments at the begining of his career. It might be better to just put it in VOO or QQQ at this point. Take a short break and only use a small portion of your money for trading. Or just do paper money for a bit. If you have the urge to trade everyday just go small. 1-2 shares or $200 max allowed.
If you gave me 2.3m I would retire tomorrow and easily live off a 3% draw and not have to wage slave Assuming this is real I hope you put 90% in VOO you will have your 5m in like 5 years almost guaranteed
Ive beaten the market for 15 years straight not knowing what i was doing. Had I know I would've beaten the market, I would've not invested 90% into VOO. My regular stocks are now 50% of my portfolio because they just keep outperforming the market.
VOO has made me rich. Enjoy your day! 🥂
You just know Cramer's personalport is just VOO and chill
If I had stuck every dollar I spent chasing some individual stock into VOO or VGT I would be far richer in time and money. It’s still fun but I’ve lost the “get rich quick” drive as it doesn’t work and once you have enough that compounding is interesting, it loses its appeal. So build your base back up , leave something like 5% for fun trading but never more.
I think you should only focus on an handful of stocks and wait for good timing. I like to focus on one industry since if one pops, odds are another one will. Trading everything is a sure way to lose your money. That being said, I’d say you had your fun and learned something, but should VOO and chill from now on.
This is why I buy VOO
VOO is a risk free 10% savings account.
Depends on the investment. I would gladly DCA into ETFs like VOO or SMH; as I know the market will continue growth in those funds. However, with individual stocks, DCAing is much more riskier as even if you do average down your share price as the stock tanks; you are still losing money. A lump sum prevents that by cementing a large singular position that you can make more predictable decisions based on your sole share price
It's why I don't own VTI anymore, VOO all the way
The safety of bonds is a fallacy. You can lose money on bonds just like you can lose money on stocks. Tell that to SVB, Signature Bank, First Republic Bank in 2023. All three failed. Charles Schwab was close to failing since they had $40,000,000,000 in unrealized losses on their bonds. FXAIX, VFIAX/VOO work just fine.
As a new investor, I'd recommend starting out with ETFs rather than trying to pick individual stocks. A couple popular ones are VOO (Vanguard S&P 500 ETF) and VXUS (Vanguard Total International Stock ETF). Opinions will vary, but I'd go with a mix of 85% VOO/25% VXUS. Once you're a bit more comfortable with the way the market works, then you can start adding individual stocks.
Absolutely. I want the best for everyone in here and for it to happen as quickly as possible just like we all do. My plans worked and still works and will work for you too. Never get debt for any reason except for a modest house. Pile everything you can into VOO as fast and as much as you can. Marry a likeminded and hard working spouse. Reinvest all dividends and never give into lifestyle creep and you will get rich enough to never have to work again. I never went to college, I have no pension and will never get any type of inheritance or other windfall (and never have in the past either). Best of luck Gentlemen.
Uh…. Ok? Keep investing in VOO and one day you won’t have to clock back in after you use up your week off. Best of luck with financing your future 🍀
Headed to Raja Ampat for 14 days of diving then Singapore for a month after that then Japan for 2 months. Life is about variety, just like VOO ✅
Geez that is brutal. I felt horrible losing 40k once. Got it back though. I switched to simple and easy S&P 500 ETF and others like it. VOO, VTI, VT, VXUS etc. Go long ride the market lowest costs possible avoid dividends because tax treatment etc. 401k similar but but throw in some income ETFs because of tax treatment QQQI, SPYI, etc in case of a sideways long market. Always making money eventually. I've never been lucky or good enough timing the markets.