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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
VOO really is all that most of them need… I’m also in essentially the same categories, but I either hold, or buy more than average if I can during dips.
hes talking about midcaps buddy not everyone only touches mag7 and VOO
Vanguard generally has the lowest cost ETFs, so if you're thinking of something like SPY, VOO is generally considered slightly better Vanguard or IB. Almost all have free commission and recurring purchase.
most of my portfolio is VOO, yes. but it’s still a good idea to actually learn what ETFs are and how stocks work…
Did you search ETFs at all before posting? VOO, VTI
Yea, I let greed get the best of me. I didn’t feel too comfortable making risky moves for the first half of the graph, so majority of that growth is from NVDA, VOO, more long term, safer stuff. Added an extra 8k in there around August, and figured I could use it for short term gains, lol. It worked for a while, until it didn’t. Forgot to hit the sell button
If you are an index investor and buy a fixed chunk with every paycheck every other week, this sideways action or correction is actually welcome. Better to DCA at reasonable prices than at all-time-highs. But looks like shine is off AI for now. Stock picking is so difficult, I don't know how retail can successfully beat algorithms and insiders in the long run with individual stock. Sector rotation can make you a bag holder in a matter of days as we are seeing with quantum, nuclear, and rare earth stocks. That's why I only buy VOO/VUG/VTI.
If you are an index investor and buy a fixed chunk with every paycheck every other week, this sideways action or correction is actually welcome. Better to DCA at reasonable prices than at all-time-highs. But looks like shine is off AI for now. stock picking is a bitch and sector rotation can make you a bag holder in a matter of days. That's why I only buy SPY/VOO. Option gambling is for fun with some play money on the side.
I'm taking VOO as an investment in the US prioritizing capitalism over all else
TOPC. It's like VOO, but limited to 3% for the top companies.
Learn what? Dump all your money into VOO and go to bed for 30 years
Correct. As of Sep 30, Vanguard held 504 stocks in VOO. Source: [https://investor.vanguard.com/investment-products/etfs/profile/voo#portfolio-composition](https://investor.vanguard.com/investment-products/etfs/profile/voo#portfolio-composition) Even the S&P500 Index benchmark holds 503 stocks instead of exactly 500.
Buy VOO, Vanguard’s S&P 500, $10,000 per week for the next five weeks, concentrating buys on days the S&P 500 declines. Then let it grow and compound for many years/
I VOO and chill with my retirement accounts, and trade with my brokerage.
That's a poor decision and will cost you far more than 6k long term. If you really want to be risk averse, put like 30% into a bond ETF like USFR, that way you'll get a higher yield than any hysa and you don't have to pay state/local taxes on that yield. Then the rest into low cost index etf like VOO. Seriously having the stability of a US military job for presumably a couple years and the maturity to actually put money into savings are two huge advantages, not having the intelligence to do it right would be tragic.
I've lost count of how many people are like "VOO/QQQ is all you need, look at the historical performance, bonds are a terrible investment", then when the market goes down 10% they start acting like its the end of the world and you should sell everything and go cash
during 2008 VOO of all ETFs went down 20%. This isn't a crash it's the most normal and common of corrections
Why are you making things so difficult? Put all your money in VOO. It's 500 stocks that represent the best of American capitalism, and It has a great track record. What would be even better is VOO in an IRA to receive tax free compounding.
I started last year with $30k and I lost a little over $8k of it. I actually took 10k out so i wouldn't lose more and dumped it into my mortgage. I was emotional, I feared losing, I was impulsive. My biggest issue however was simply not holding even if I believed in a company. I bought like 600 shares of HIMS at $21 and then they had a whole bunch of bad news and I sold at like $17. If I held, or even sold half and held the other half, it ended up recovering up into the 50s and I would have made all my money back plus some. And that's just one example of many in 2024. This year, with the remaining $12k, I started not fretting when something went down if I believed in the company. In general I stopped selling at losses which I understand is easy to say. For the stocks that I had shares on I started selling covered calls at a strike that was above my average cost so if they sold I was still making a profit and if they didn't I was collecting premium. Some sold and i bought back in if the stock dropped. I'm up $6.8k so far this year and I plan on making back the rest before years end. The worst part about this is I also took my kids savings account (making 0.04%) and put that into brokerage account in October of 2023. 60% VOO, 20% VTI, 20% government bonds. In just over 2 years its up 40%. Man I wish I did the same with my money.....
Have you tried not overthinking your strategy and just buying VOO, and holding?
Another thought is core vs. satellite investing. Maxing out your 401k (to match your employers match) and selecting a quality ETF like VOO or QQQ is your core position. Your satellite position is something like crypto (DCA into BTC and ETH) or other investments with big potential payouts.
Show us how you beat VOO big dog!
Just short about 3.1 shares of TSLA for each 100 share block of VOO
Then buy VOO and sell short the mag 7 stocks. Eg for every 100 shares of VOO you sell short 26.25 shares of NVDA. NVDA IS Approx 8 percent of VOO or $4896. Then divide 4896 by NVDA closing price of 186.6. Then do that for the other 6 stocks. Too much work then just convert to XMAG
100% VOO is like >50% in AI stocks at this point
If you buy even a little RSP it will diversify you much more than just VOO. Less growth, but lower volatility. Ideal for older people near retirement.
You're totally right, it's not even 10% yet down for VOO or VTI. Probably closer to 10-15% down in a lot of people's individual portfolios.
As other people have mentioned, VOO comes with in built diversification. The two things it does not offer is diversification into non US equities (VEU) and diversification into non stock assets (BND, GLD, etc.). If might make sense to reduce your VOO and get diversified some more. But then again you really don't NEED to
It's certainly concentration risk since its all stocks. Stocks are just one investment type. Now, obviously VOO is diversified when it comes to stocks
All depends what you are holding. A lot of retail favorites are down 40-50%. If you are VOO and chill you barely feel it but then why are you even on this sub.
The biggest risk of VOO is geographical risk of US economy tanking. Which is low, but not unheard of. Other than that -- VOO is tech heavy, but by its nature diversified. If sentiment shifts away from tech, so will VOO.
Keep it. Trade other stocks as you like based on your risk tolerance, but benchmark against VOO. If your other investments aren’t beating VOO over time, invest more there and stop investing in individual names. Checkpoint this quarterly, yearly, etc. based on your age, risk tolerance and funding expectations.
VOO is 500 positions, not 1. It's literally the definition of diversification
Mate, what were you thinking? Had you put 500k into VOO, and went long, you would have made multi millions in like 10 years. Instead you threw it in a penny stock 😂😂
Take the money. Pay your taxes. Invest $160K in VOO or SPY and gamble the other $40K. I miss out on bigger gains all the time. It bothers me for a bit and then I remember that I beat a system that is not designed for me to win. Nothing hurts more than watching a very green position turn into a red one because I was too greedy. At the end of each year, my results have been good. My losses are contained and my gains exceed them.
Step one is invest enough to get full company match. Most young people can expect to be in a higher tax bracket later in life so I would suggest step two invest in a Roth IRA and try to max contributions every year. You are young enough that all contributions can go into diversified stock fund like VOO or VTI as long as you can stomach the ups and downs of the market. If you want to invest more after a Roth… can put additional funds in 401k even if it is more than the company will match. I also max a HSA with a high deductible health plan because I have very little planned annual health care needs. This may be different for you if you have higher known health care needs every year… then maybe a low deductible plan without HSA would make more sense for you. Set automatic contributions to all your investment accounts every month and then only look at the statements a couple times a year to see if you need to change or rebalance anything
This does not make any sense. Its the 51% you should be worried about. 100% VOO is fine, 100% all world ETF is fine. Your individual stock picks (or any other ETFs) are for fun and you should assume that they underperform the market in the long run.
If your account was 100% VOO you'd be doing what Buffet said 99% of Retail investors should do.
If you are 100% VOO you are actually more diversified than at 50% VOO. Like if you had half VOO and then you thought you should "diversify" by adding a few blue chips - say NVDIA, Microsoft, Apple, you've just gotten way more concentrated now because you already had those in VOO, now you just have a way bigger percent
VOO is too diversified with unproductive companies. You only need to own GOOGL, AAPL, MSFT, and NVDA.
What you're saying is better achieved through factor investing. Basically, you keep VOO/VTI as a major portion of your stock investments, and then add tilts like value, dividends, small cap, sectors like real estate, etc. So you can have something like 50% VTI, 20% VXUS, 10% VTV/SCHD, 10%VB/VBR, 10% VNQ, etc. That way you still get some gains from growth/overall market, but tilt your investments to be less top heavy.
VOO at 49% is fine. It's basically the market. If anything you could go 100% VOO and be good.
In general yes, you're right that the S&P is disproportionately concentrated in quality few companies. But when it comes to portfolio concentration 50% VOO is absolutely diversified. Being 50% NVDA on the other hand wouldn't be.
What are your other holdings? That matters more than the VOO percentage.
VOO is the S&P 500. 40% of the index's value is concentrated with the top 10 companies. Hard to say its plenty diversified.
Technically AVUV has beaten VOO over the last 5 years, but this has been completely dog shit recently
The frontal lobe tells me to invest in VOO and wait 30 years.
And it only costs 0.35 vs VOO's 0.03.
No, I have zero counters to your points about it being overvalued. I have my own disagreements with those metrics but again I wouldn’t listen to me as I mostly base my opinions on my own train of thought, with a little help from some more respectable people that I trust, but I could very easily be wrong. I think your reasoning makes sense and it wouldn’t be very fruitful to go into why I disagree with it too much. You got my main point, being that it’s going to be impossible for you to dump $1m into the market at the bottom, don’t even think you’ll be able to do it because you won’t. Nobody has the balls to do it and those that do have so much more than just $1m and aren’t gambling their entire portfolio doing so. In my opinion, again just me, I think you already made a mistake in selling a large portion of VOO, BUT if you’re of the opinion the markets going down, then that was the right move. Nobody ever went broke taking profits. I just think going 100% cash is a serious mistake in basically every market because you’re going to have to nearly perfectly time the top and nearly perfectly time the bottom for it to be worth it, but if you think you know where the markets going and are willing to risk missing out on gains on your $1m then that’s your prerogative.
I edited my post to correct it . The VOO position and cash from the sale of some of it are both in self directed IRA . So no tax . Until I retire and withdraw which is years away and
if you already have a big VOO position, consider international ETF. While international has underperformed overall, this year has been stronger than S&P and I feel there is still ways to go. VXUS is the ETF.
Doesn’t matter if you DCA then you will buy shares when the market is up or down - VTI is less exposed to tech/AI then VOO.
Gonna go VOO my asshole
IMO, best is to be lame and stuff 90-95% of your savings in an ETF or other broad fund. Like someone suggested VOO. Pick a couple. It’ll go down and up and will grow. Gamble with the other 5-10%, and you can rest assured you’re not totally screwing yourself.
Invest in VTI or VOO. Don't touch it for 30 years and let it grow to $15m
Please stop. Buy VOO
You're asking the right question and it's good you're thinking about this early. The difference between panic selling and minimizing losses comes down to whether you're reacting to emotion or following a plan. **Panic selling:** Selling because the market is red, headlines are scary, or you're watching your account drop daily. No plan, just fear. **Minimizing losses:** Selling because your original thesis changed, the investment is broken, or you hit a predetermined stop loss you set before buying. Here's the reality with ETFs: If you're in broad market ETFs (SPY, VOO, VTI), down $20-200 is just noise. The market goes up and down. Over 10-20 years, it trends up. If you sell every time it drops, you lock in losses and miss the recovery. **Ask yourself:** 1. Did you buy with money you need in the next 1-2 years? (If yes, that's the mistake - not the investment itself) 2. Are you in broad market ETFs or individual stocks? (ETFs = diversified, less risky) 3. Do you have a timeframe? (If it's 5+ years, ignore short-term drops) If you're down $20 on ETFs and don't need the money for years, this is panic selling territory. The market always looks terrible at the bottom. It looked terrible in 2008, 2020, 2022. People who held through those made money. People who sold locked in losses. If you're in individual stocks that are fundamentally broken (company going bankrupt, revenue collapsing), that's different. Then selling makes sense. What are you actually holding? That context matters.
That’s really interesting. And you’re doing this with high risk high reward plays? I could imagine this for value stocks or something broad like VOO. Will definitely look more into this, thanks for the advice!
Thank you very much for your insightful comment. This method only works for indices, and I get the same accuracy for SPY (VOO) and DIA. For EMD and RTY, the accuracy is around 60%. It also works perfectly for GLD ETF. For individual sticks, the results are not great.
yep 5 weeks ago my port was at an ath. now I’m down 6% YTD. should’ve VOO and chilled or something like the boomers ig 😞
VTI: 40% VOO: 25% QQQ: 20% VUG: 15% Total: 100% Set it and forget it
Depends on your account size but I recently read discussions about exchange funds and other exotic tricks to diversify in r/fatfire Also once I learnt about step up cost basis for inherited assets on death, I started to look at my investments differently. If my spouse gets a step up, taxes are not that big a concern. So I am planning to hold ETFs such as QQQ and SPY forever since they are diversified and tax free at my death (and I am not someone with estate tax level net worth). I will only adjust stocks if they go out of bounds of my personal comfort level, let's say 20% of my portfolio. I personally believe the AI will crash the market but unless a stock goes over 20% of my portfolio, I am not going to touch it. Although there is huge overlap between SPY and Mag7, I have switched to investing my monthly spare cash in SPY (VOO) and not buying companies at these inflated levels. If the bubble bursts, it may still crash 50%, but hopefully not 90% which may happen to some random company Last option is to write covered calls on stocks that you believe are truly inflated. That does cap your potential but you need to decide the goal - reducing downside risk or ... further growth, you can mix and match only to some extent. You can also create a collar -- read up on option collar as well as on covered calls.
$VOO nah dog $GOOGL all day only
Literally just buy VOO and VTI and call it a day. Reoccurring. If you find yourself getting more into stocks then save some extra for individual tickers. But don’t worry about that if you’re just trying to set it up and forget about it
I personally think that a port of VOO VXUS and maybe bonds if you wanna be real safe is all you really need. Sure it may struggle at times but overall it’s usually better to work smarter not harder. Or trust others with your money.
I recently rebalanced into small caps as I realized my VOO/QQQM position was not nearly diversified enough glad I did, I get the feeling small caps will have their day soon I still need to look at international (and MAYBE mid caps, but blegh)
You can branch out into different ETFs after doing your own homework if you like, but yes VOO is a fantastic start
If you want my personal thoughts If you know absolutely nothing Find a good ETF (VOO, SPY, SCHD) Find a blue chip company (Apple, google, nvidia, amazon) Find a speculative and limited hedge (Gold, silver, palladium, btc) Buy regularly with a reoccurring investment and forget it
Top wealth management firm can’t run with your money. It’s under your name. Anything needs your approval. If something ever happened, the parent company would owe you a lot of money as it’s against the law. For the investments, I could choose to “VOO and Chill” like most are doing, which means, invest in the S&P500 and forget it. I choose a wealth management to achieve different goals (and I might be wrong, so do not take it as an advice but more as sharing my experience). The portfolio direct indexing S&P500, is like VOO and chill, so following the market performance and delivering tax loss harvesting. It’s my main portfolio. The portfolio direct indexing Russell 1000, is a growth portfolio, delivering better performance than S&P500, and tax loss harvesting. Growth being more volatile, I get more tax losses. Russell is up 4% more than S&P500 this year. Private Equities is providing good returns, and provides stability in case of crash as disconnected from the market. I use KKR, Stepstone, Blackstone… My other growth portfolio is having a bit of bitcoin, SPMO, QQQ, VOO and a large portion of international. The last portfolio is more a balanced one with 25 different value stocks.
28M, I have my 401k matched, roth ira the boring VOO, VT portfolios but I wanted advice on my brokerage stock portfolio. Holdings: Please advice any holdings I should add. I added companies that I believe can't be replaced in the long term for what they do and are diversified around the world. Cash: 27% QQQ: 18% GOOGL: 13% META: 9% MSFT: 9% BRK-B: 8% TSM: 6% ASML: 5% MELI: 5%
VOO if you can’t stomach risk tsla / nbis if you can goog / amzn if you’re in the middle
Yup, either an SPX-based ETF (SPY, VOO, etc) if you want a reasonable chance of 7% per year, or short term treasuries (SGOV) if you absolutely wanted to guarantee having more when you came out than when you went in. Current short term yields are 4% but they may decrease in the coming years. To hedge your bets, you could split them 50/50.
1. Build an emergency fund saving account equals to 6 months of expenses. 2. Pay off your debt. 3. Max out or contribute to 401K. 4. Contribute to a Roth IRA. 5. Invest in cheap ETF VOO for market performance and QQQ or SPMO for growth.
Iwm takes out the local tensions but misses tech upside. Spy is a good balance. Go 3/4 spy 1/4 VOO for added safety. And remember. Always the M. QQQM OR SPYM if you’re gonna buy hold.
And put the money in an S&P 500 INDEX fund with reinvested dividends (like FXAIX, or the etf VOO).
Why didn’t you stick to VOO LMAOOO 🥀 🤌
I have to explain to people why I don't own real estate in a VHCOL area all the time, even though my job description says I make a high income. When you own a house, the government taxes you to own it, and you have to buy insurance and pay for upkeep. I don't have to do any of that with a stock portfolio. Don't forget about those HOA fees. Something as innocent as $500 a month would equal over $1 million if invested in VOO over the course of a 30 year mortgage. Then the are expectations. I only pay $5000 a month for a decent apartment. The mortgage on a house Inwould be expected to live in at my station in life would cost me $10k a month more. I thoroughly enjoy having the difference go straight into my stock portfolio...if 8 desired, I could pay cash for a house after a few years with the savings. Also, with a house, there's the potential for lifestyle creep. I drove a 20 year old truck because no one knows what I drive and the neighbors don't complain about it. When I lived in the trophy neighborhood, the neighbors complained about they truck (as if it reflected poorly on them). Then there's the higher end furniture and material things needed to keep up with the Joneses. The Jones' can keep their material things. I'll take my extra liquid cash and let it compound, building an fortune in time
Are you going to receive one time $300k or it will be given to you every year? Same question about $100k from grandparents trust? If this is one time thing, then you can invest in stocks and bonds portfolio, preferably 50:50. For stocks you can just use VOO and VT. For bonds you can just use something like VGSH and VGIT.
GOOGL is up 54% in the past year vs 17% for VOO. Do the math
Pokemon cards https://www.cbsnews.com/boston/news/pokemon-card-value-investment/ I've been loading on them as an alt investment (as well as sports cards) since around 2022 and they have matched if not beat my $VOO over the same period. Will it continue? Not sure but it's an interesting sector and it's fun as an alternative 🤷
Buy quality stocks, and hold for the long term. If you buy shit stocks, be amazing at trading, and many are not. Even those who have gotten lucky with one good trade, end up losing there with if they don't go back to my first sentence. You cant time the market, and you can't really make any accurate predictions. Warren Buffet and Peter Lynch, likely the greatest money managers over the last 50 years know the importance of the first sentence. Quit thinking you have a secret sauce, because you don't. Yea, you can make money here and there, but if you don't follow the fist sentence, you leave money on the table that you otherwise would have gained. Instead you keep tinkering and lose out on gains because of fear of loss. Get out of your head, buy and hold. The most important is quality. If you can't pick quality then just use VOO, SPY, or QQQ. An index will cover a multitude of ignorant decisions.
This is exactly the intelligent question to ask. So many people mindlessly say VOO and have no idea how much exposure they have to seven companies. I think "index risk "has never been higher than it is now. Never.
>insights about 10y vs 20y strategy there shouldnt be much difference. if you go with about 80% or more in index funds it should be fine. i am not a huge fan of "global diversification" - but you do whatever you feel comfortable with. usa companies have dominated gains for the past 15+ yrs - doesnt mean it will continue but thats what i would bet on. just my opinion. i am 75% in us based index funds like VOO VTI QQQ and less than 10% in "global funds" and maybe 15% in individual stocks. thats just how i do it and its working for me
Nobody's answering that part because you've got a bigger issue. It's like someone coming on here asking if they should do a 60/40 portfolio or 100% VOO while casually mentioning that their house is currently on fire and being frustrated that everyone keeps telling them to call the fire department. You're not qualified to be actively managing someone else's money, period. (That's not criticism, no one on here outside of the financial services industry is qualified to actively manage someone else's money.) You're very likely opening yourself up to legal liability by doing this, not just risking damage to the personal relationship if the economy declines or the portfolio lags. The cousin blaming you if the market goes down is the least of your worries. Imagine the market going down and you being sued for the losses in your cousin's portfolio which you end up having to pay out of your own portfolio, which is also down along with the market. (And please don't say your cousin understands the risk or would never sue--I'm just pointing out the potential trouble you are needlessly opening yourself up to here). We can all chat casually with someone about where we think the market is going or how we think people should invest; you should not be managing someone's portfolio for them, no matter whose idea it was for you to do so.
B and C seem like contradictory statements. What if we consider each one separately? >a) are the product of new technology or changing behaviour / regulation or both. The technology plays are AI and quantum computing. The regulation plays are PMs like gold and silver. You could pick a sector based on which political party you think will dominate the next decade, but the fiscal policy isn't likely to change either way. >b) don't require genius picking Index funds. SPY, VTI, VOO, etc. >c) require being early when it's uncertain This goes back to a, and figuring out which companies will figure out the technology and how to turn it into a profit >d) price to enter is very low as a consequence Anything that skyrockets later will seem like a low entry price in hindsight.
Invest in the following: SWPPX or VOO and SCHG. Stop wasting your money on advisors. The best 500 companies in the United States.
I have to agree: you're not going to earn 3-5% a month consistently over the long term. In fact, over the long term, you'd be best off buying an index fund like VOO. The majority of professional fund managers do not outperform the S&P 500 over the long term. And then you look at what a hedge fund manager like Bill Ackman earns and you wonder how it could be possible because many of the stocks he chooses could have been drawn out of a hat.
I have to agree: you're not going to earn 3-5% a month consistently over the long term. In fact, over the long term, you'd be best off buying an index fund like VOO. The majority of professional fund managers do not outperform the S&P 500 over the long term.
WSBs, which should I go with : VOO, VT, or VTI? Boogle heads are recommending VT.. but idk. I got full faith is the good ol US
I max the 401k of 23,500, HSA 4300 and Roth IRA 7000. I also send $300 straight to vanguard in VOO. Next year all the limits go up and I will increase to the new max in all three. We keep 10k cash, around 10kish in checking, and 30k in Edward Jones as far as cash reserves. the rest as I like to say we are fully invested and all dividends are automatically reinvested, I private mortgaged land for a family member who pays me $250 a month which has 7% interest on the note, I also put that every month straight to VOO. Everytime our checking account gets over 15k we automatically send that money to vanguard to get the account to around the 10k range we stay at. I also have a Heloc for 100k that we have never had to use just in case and we both have 100k limit credit cards for special cases. I try to max retirement accounts out but I'm also fortunate to have a large brokerage account already so thats why I figured max them out.
I contribute what I need to get a full match on my 401k and any extra goes into index funds like VOO (S&P 500). My reasoning is that I can always sell stock easily in an emergency but can’t touch my 401k without a penalty. My company vests 100% every month.
VTI or a total index with low expense fee. Maybe VOO. In 30 years you’ll have 80 if you don’t touch it….or invest in a cert or license. Machine learning boot camp. Trade school etc.
QQQ makes almost 19% per year doing nothing but sitting there. VOO makes 15.5% doing nothing How many hours do you spend to take a higher risk than QQQ just ti underperform? That’s how my mind thinks about it.