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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
At your age just keep putting money into the stock market. Primarily: VOO, VTI, or equivalents. The market will crash, maybe more than once, but at 22 those crashes are when you buy even more. Ride it out. And honestly man, don’t check the stock market everyday if it’s something that makes you want to sell. Set up an auto transfer feature and set aside money to buy every paycheck. I wish I took it seriously when I was 22, like you are.
Yea Msft is 5% of my port so not the end of the world but still. I hate META but I guess I have some exposure through VOO so yay me
ETF in taxable is more efficient. There are no cap gains distributions you can’t control. It doesn’t matter in IRA’s but makes a difference in taxable. If you’re going to DCA, in taxable is the better way to go. Now with zero commissions there no real reason to use the mutual fund version of the index. Diversification is for safety. More risk = more reward. Why would more safety = more reward? The answer is it rarely works out that way. Most people should just VOO and chill. Use SGOV for whatever flexibility they might need in early spending. If you want true diversification and tolerances being professionally maintained, work with a pro. Most people don’t really “need” that though. You figure out if you need help when you can’t manage to VOO and chill correctly (panic sell).
Less than a month of gold gains, in PHYS stock, wiped out a years worth of my mortgage. If I wanted to I could redeploy the capital to VOO and chill.
Bogleheads bagholding bad car loans VOO and chill LMAO
I just looked and it's at $46 now. I will never in my life again buy an individual stock. VOO and VTI for life!
VOO is for chilling not trading
It's not worth wasting any brain cells on. Choose VOO or VTI for the long term.
I feel bad for them. If they're not in VOO and forget, they're just losing money to someone else.
Are you talking about VOO or VXUS, or both?
Quantum is dog shit completely propped up by hype. Do some research into the actual science, they are decades away from breaking encryption protocols and decades away from profitability. Put 10k in any Mag7 or VOO instead and thank yourself in 10 years.
I'll preface this with saying penny stocks are time consuming. One of my friends makes about the same income as me for the past 10 years. All he's done is DCA through VOO And VTI. He's ahead financially in his investments. And he's spent WAY LESS TIME than I have. But, I enjoy learning about companies and picking some stocks as well as investing into ETF's like ones that track the S&P500. If you decide to buy penny stocks, I'd recommend only buying companies you understand and see the potential in. This way, you can gain personal value learning about companies, industries, financials, etc. And if you lose some $ on a bet, you still personally retain value from the experience. I've lost my shirt on a ton of penny stocks, but overall my penny stock portfolio has outperformed the S&P500 over a 5 year period. (At one point in that same 5 year period, it was down like 75% as these things can be super volatile.) I'll give you some examples. I used to work in marketing and one of my clients had a blood plasma business. I found this penny stock back in the day called ADMA. They're involved in the blood plasma industry... read about them, liked their business and decided to invest/gamble in shares. Now it's up 500%+. I sold off enough ADMA to break even + profit some, then left the rest of the shares to ride. About a year and a half ago, I was looking for an alternative to NVIDIA. I missed so many NVIDIA buying opportunities and still felt it was overvalued - turns out I was wrong again. Any way, I started learning more about quantum computing. There were some stocks priced in the $40 range like IONQ... so I found a quantum computing ETF that included other holdings, which, at the time were Rigetti and D Wave. Those were close to a buck, so I bought a handful. Then they skyrocketed 1,000%+. All that being said, what I've found on penny stock forums in Reddit is some of the DD's are basically sales pitches for a path towards a titanic iceberg. If you read those, just do your own DD and make sure you truly think it's a good buy. There's some good DD penny stock posts as well. I've found several good penny stocks by reading the DD's + doing my own research. Have fun!
Will do - Thanks for the advice! There's a lot of funds to choose from but as you already know, I'm already invested in VT - I know some investors would choose more than one broad index fund for their portfolio, even including a bit of overlapping in them (I hear a lot of VOO + QQQ or even adding a dividend index fund SCHD & an international index fund VXUS into the mix. What's your take on these allocations?)
$300 to $13,600 is a massive win you could put $12K into index funds (VOO, VTI, whatever) and keep $1,600 in a separate account for "play money" if you ever get the itch. that way youre not risking your main stack but you still have an outlet. some people need that. if you ever come back to options, look into selling options instead of buying them. completely different game. when you buy options youre betting on big moves happening fast - time works against you. when you sell options youre collecting premium and time works for you. the win rate is way higher (70-80% vs maybe 30-40% for buyers) but the gains are smaller and slower. boring but consistent. might scratch the trading itch without the stress.
> But they can keep on with VOO and chill for 16% in a good year. Convince themselves that’s great with a 15% decline in the dollar in 6 months. The irony is that the same people when told about, say, the Indian market returning 30% in a year would have said that the return didn't matter because of currency depreciation.
I do a general dca on a separate broker, basically any free money at the end of the week goes to VOO
Yeah people don’t want to hear it but this time is different. I’ve been alive and investing since the aughtsand there is nothing like it. Have international friends from all over and they agree the old order is irretrievable broken. It’s just American exceptionalism and it’s a joke. That depended on US being a stable political and economic engine that honored its agreements. But they can keep on with VOO and chill for 16% in a good year. Convince themselves that’s great with a 15% decline in the dollar in 6 months. I’ve done 15% YTD with this strategy.
You shouldn't be investing money that you're going to need in the next few years. The house down payment should stay in a HYSA. This has nothing to do with the political climate, and everything to do with common sense financial literacy. When you invest your money, you need to be comfortable leaving it there for 10+ years. The market will go up and down in that time, and you don't want to take your money out after it's fallen. Here's a concrete example... you invest your 20k into VOO, and then the market decides to take a nosedive. VOO drops 5% / year for the next 5 years. If you need that money for your down-payment, then you're going to sell and take a loss. On the other hand if you just leave it alone, the market will always rebound. A 5 year bear market will be followed by a bull market where you recover your investment, plus some. In a long enough time frame, it's ALWAYS a bull market. You don't want to be that guy that's forced to sell during a bear market.
Yeah if you want to make money just buy and hold stuff you believe in. Or just buy VOO and call it a day. Leave this sub immediately as its all just degenerate gamblers here.
Step 1 is to start a Roth IRA and invest in broad market ETFs like VOO, SPY, IVV and QQQ until you reach $20,000. Then start researching top companies that will grow over the next five years and invest in about five of them. Once you get there, look at buying a home. Adding some gold after that is fine. Rental properties can be good, but start with stock investments and buying a home first. Insurance is not an investment.
I was 100% crypto, then 100% VOO, now 100% SLV. Can’t keep this degenerate caged up for long.
Really I think the safest option is to buy VT. You could also just buy both VOO and VXUS in whatever proportion you deem appropriate. I think gold will also likely continue to rise throughout the first half of this year as the political climate intensifies ahead of midterms. It could go either way after midterms depending on the results. So overall I’d lean more VXUS / gold for Q1/Q2 and then maybe switch to VT or cash closer to midterms (depending on how it’s going).
Im moving my stuff from VOO to VT as we speak.
I'm trying to start putting money into my roth ira but don't know what stock to start with first. I have a list that could work like VOO, SCHD, VT, VTI, and VXUS, but don't know what to choose. I was also thinking adding in a monthly dividend stock in it down the road but what do you guys think ?
Check out VXUS compared to VOO the past year
I’m up almost 50k this month, should I throw everything into VOO and take it easy or should I keep rolling the dice with these AI, silver, whatever else plays
If you’ve lost money this month you are bad at this and should stick to VOO
Knew this would hit the nerve, cuz that’s my story too. Let’s buy some VOO or SPY or whatever and chill. You know, unless…….
The number one etf is VOO. It’s a function of passive investing generated by 401k plans, or … employment. It’s autopilot. But, it’s not immune to shocks. 30+ percent of VOO is the MAG7. If the JGB struggles, it will be a bloodbath. And it’s on a knife edge. Personally, I am de-risking.
seems unnecessarily complex for 20% growth which can be had in standard buy and hold VTI in good years. plus the main risk is sector concentration, IWB, VOO, MGK, and SMH are all majorly tech dominant with NVDA as the highest holding. You're buying NVDA on top of that and NVDA contracts. This means you're overly exposed to a tech pullback which in combination with your trailing stops means that if there's a modest tech pullback (not out of the question at this point IMO) you would be selling low and lock in your losses which might have otherwise recovered. I don't have time to go into my whole portfolio logic right now, but based on the political landscape at the moment, why not diversify rather than double/triple down on tech? regardless of your personal politics we all know trump wants to cut interest rates and print his way out of the national debt in 2026. The dollar has already lost 11% of it's value in the past year. I'm not saying to sell everything for gold, but just to diversify to capture the free upside of assets not based in USD just in case. Personally, I'm 50:50 USD and international/PM and it's done extremely well for me. I feel like you're investing for the current market rather than investing for the future.
Set to sp500 fund with lowest internal. Work to max it every year. Buy VOO in Roth on auto weekly basis. If any money left over, do the same in taxable. Sell only when there is an urgent bill to pay for. That’s it. Spend less, invest more auto, don’t panic sell, that’s all anyone really needs to know. Best of luck!
They're more like Cheniere in that they're actively exporting LNG now. They'll be more stable and less risky than NEXT, which is great. But with less risk it's not going to payout like NEXT can. I was looking for high risk, high reward plays for 10% of my portfolio while the rest sits in VOO. NEXT fits that better than VG or LNG does for me. If it hits, great, I've got a fancy boat in my retirement. If it doesn't, I really only ever wanted a kayak anyway.
I'd also add that BTC investors/traders (NOTE: not the folks who have 1% of portfolio in it "just in case") subscribe to technical analysis much more than typical investors. I'd argue that compared to this sub, the bitcoin sub is probably 5x more populated with day traders whereas here it's "VOO and chill." Looking at [technical analysis indicators](https://www.tradingview.com/symbols/BTCUSD/technicals/), there's decent short-term sell pressure on it. I don't know for sure what this looked like at any point in the past; I'm just providing some context. **THIS IS NOT AN ENDORSEMENT OF BTC, TECHNICAL ANALYSIS, OR ANY THING OTHER THAN AN ASSUMPITON OF WHAT** ***MIGHT*** **BE FUELING A SELL OFF.**
Stop saying "surf the wave". Also why IWA & EUNA, they seem like random names to own for an average/new investor, unless maybe you aren't in US markets? You've said that you don't want the next "Nvidia" and Sandisk is a unique case, yet you stated you own Kraken Robotics so that's clearly untrue...Buy a mutual fund like VOO to track S&P 500, play it safe. Stock market is about consistency and understanding, not "get rich quick".
Advice: Buy an investment mutual fund like QQQ, VOO, SPY or another that tracks the S&P 500. Hold long term and don't sell until you want to buy your house. you'll do well if you turn 15k to 25k over 3 years that way. **Do not buy individual stocks** unless you understand or believe you understand financial systems, or have "gambling" money. **Do not buy international companies** if you're from the USA. Buy the book titled "The Little Book of Common Sense Investing" by John Bogle to learn more. Other Points: 1. DO NOT LOOK AT SANDISK AS A "WHAT COULD BE DREAM" it was a relatively surprising change in development. 2. Your friend is not "always green", I would expect long-term maybe green compared to the early amounts, but not always. You can be "green" so long as you never go below the original amount invested, but you still have losing days. 3. You're doing too much making python scripts to analyze companies as an individual. Buy a solid mutual fund like.
That’s awesome. I don’t believe in the company but I’ll sure af take their money to slack off and utilize that stock matching so I can pad that stack of VOO. If I’m playing UNH I’m playing leveraged 2x on weeklies lmao.
I'm relatively new to investing but I've always heard QQQ is not a good long term play because of its high expense ratio. Maybe trim that position? Probably don't want to hold cash because of the weak dollar but maybe reposition some capital to SCHD or VOO? Again, I am just some fool on the internet.
Imagine if you didn’t trade options but just VOO and chill
VOO and chill is for boomers. 50% CIFR 50% ONDS
Yep. And now you're finally going to go all in on VOO due to USD fear mongering, and we're finally going to crash 20%. This is why they tell people to DCA, you won't win otherwise.
I genuinely think the top is in now, because I have older family members asking me what to invest in. I told them VOO and some QQQ, but they keep asking, yeah, but is it AI? You've been warned.
Can't time the market pal. Just do yourself a favor and VOO and chill and you'll find peace.
A month’s living expenses in savings, VOO ETF and chill, then start trading options?
It all depends on your goals. How much you have to invest right now. How much you can set aside each paycheck. Until you figure that out. Your best bet is SGOV. It’s a short term treasury Bond ETF. That pays monthly. It does not go down it does not go up. Pays a dividend each month. IDVO is another good one currently it’s also an ETF that pays monthly. I think around 5% but has great growth. Has done nothing but go up. It’s based on international companies. Or index based ETF’s like SPYI and QQQI. Then there is the cult favorites of ETF investing. VOO,QQQ, and SPY. There on the expensive side that’s their only downside. Any of these choices are good. If you want to trade options start with Cash secured puts and covered calls.
Do you add to that 15k on a weekly basis? You sound young, why do you have bonds? Anything that is for a house in 3 years should be in SGOV. You sound like you’re believing someone’s instagram is their real life… You sound young. So you should automate into VOO or QQQM to begin with. Then buy a reasonable amount of one off stocks. You will either make money, or learn the lesson. Just always have the auto with the etf for the major part. We all have to touch the stove. Might as well do it young. I still have fun on the side, but that’s all it is: fun. The major is QQQM auto weekly. Only sell when there is something urgent to pay for. Best of luck.
Some AI slop courtesy of Brave Search AI. Get a better broker (and/or pass the ETF options questionnaire/challenge). **UK residents can trade US ETF options**, even though they are restricted from directly purchasing US-domiciled ETFs due to UK and EU regulations like PRIIPS and the requirement for a Key Information Document (KID). # Key Points: * **Options trading is permitted**: Unlike direct ETF purchases, trading options on US ETFs (like SPY, QQQ, or VOO) is allowed for UK residents through brokers like **Interactive Brokers** and **Tastyworks**. * **Workaround to acquire ETFs**: A common strategy is to **sell deep in-the-money (ITM) put options** on US ETFs. If assigned, you receive 100 shares of the underlying ETF per contract, effectively acquiring the ETF despite the restrictions. * **Professional status can help**: Qualifying as an **elective professional client** (e.g., with €500k+ in assets, active trading history, or financial industry experience) removes many restrictions, including access to US ETFs and options. * **Tax considerations**: If you exercise options to acquire US ETFs, ensure they are **HMRC reporting funds** (e.g., many Vanguard and Dimensional ETFs) to avoid higher UK income tax rates on gains. * **Brokerage options**: Platforms like **Interactive Brokers**, **Tastyworks**, and **Schwab International** support options trading and are accessible to UK residents, though some may require specific account setup or professional status. >
You know OP's a regard when even WSB is suggesting VOO and chill.
A lot of this is really concentration risk, not just market risk. RSUs and VOO can feel diversified, but in a downturn they often move together specially with tech. Something people tend to underestimate is tail risk. Most portfolios are built for normal markets, but the real damage usually comes from a rare and fast moves where correlations spike. I work on an AI project called NoaLLM that looks at rare market events and one big takeaway has been that protecting capital is more about understanding exposure than predicting crashes. Reducing concentration and accepting lower upside can go a long way. Curious how others here think about managing tail risk without market timing.
Full port VOO and come back in 30 years
Definitely not. This would be doomed for failure. Better off in VOO/qqq split
Cause nothing beats VOO and chill
Start with one. Learn. You will see it is not that easy. Learn to VOO and chill while you’re figuring out that one. Best of luck.
You need to earn at least as much as you put into an IRA or you can get penalized on the excess contribution and its gains. The annual limit for 2026 is $7500. Tbh the other guy is right, focusing on school is gonna be your best bet overall. Depending on what your budget is during school, you could set up a recurring investment of like $20-$25 a week into an ETF like VOO or VT in your taxable brokerage account. It doesn’t sound like much, but over 4 years that’ll start adding up. The rest of your budget is for college expenses, new experiences, and socializing. At least for a year or two.
Let me save you a ton of grief: Put 90+% into broad market index fund like VOO and VXUS. 10% ‘play money’, on individual stock picks. Or perhaps 5%. Your emotions and impulsiveness will kill you with trading, trust me. It’s not worth it. Buy the whole market and remove the stress. Obligatory: Not financial advice
What makes you think getting trump out will make VOO go up?
Starting at 19 is honestly the biggest advantage you have, so you’re already winning there.Robinhood itself isn’t bad, it’s just very basic. The bigger thing is what you invest in, not the app. Since this is a Roth IRA, I’d keep it boring and protect it. Broad ETFs like VOO or a total market fund make a lot of sense long term. The random higher risk portfolio might feel exciting, but at your age the real edge is time and consistency, not trying to be clever early. You can always open a taxable account later if you want to experiment with individual stocks. I’d forget real estate and gold for now. Focus on building the habit, adding money regularly, and letting compounding do its thing. You’ll thank yourself in ten years.
Fidelity account, then put in something safe like SGOV. Then educate yourself on personal finance. Maybe talk to an advisor there at Fidelity on the phone, they should have several conversations. You will not be a good person to convince elderly about risk. You personally should be buying VOO on auto weekly basis though. Best of luck!
Oversold. I'll literally sell some VOO to buy RKLB if it goes sub 75
Tryna talk options to my boys so we can all lose money together but all of them just say buy VOO and ride. I gotta invest in better friends
PLEASE FOR THE LOVE OF GOD, DO NOT TAIL MY PLAYS YOU WILL GET RKT. Glad you bought VOO 😅 saved yourself lots of pain
I remember your Opendoor posts, I thought I should tail this guy then bought VOO instead.
Help Pick a new brokerage for 403b. I have a 403b at work with a limited number of choices for investment companies. Unfortunately, I'm not familiar with any of them and was hoping the community might help me narrow down my choices. I have several investments (Brokerage, IRA, Roth, 403b, HYSA) with Schwab, Fidelity, FNBO, and American Century. American Century currently holds my 403b (about 15% of total). I am very unhappy with the funds available and performance, in short, I need to move. I have been very happy with Schwab (preferred) and Fidelity over the past 25 years, but they are not available through my workplace. My preferred investments are index ETFs (VOO, SWPPX, SWISX, SWLGX, etc.) as well as some GLD and about 5% cash. I'm not really interested in actively managed MFs as they tend to have higher fees. I don't really need to put any money in this fund into cash or gold as I can re-allocate at Fidelity or Schwab to balance my portfolio when needed. Below is a list of investment companies available to me. * American Century Services LLC * Ameriprise Financial / RiverSource * Aspire Financial Services * Confidential Planning – MultiChoice * Corebridge Financial (formerly AIG/VALIC) * Equitable (formerly AXA) * Fiduciary Trust Co. of New Hampshire (Formerly Waddell & Reed) * GWN / Employee Deposit Acct * Invesco OppenheimerFunds * Lincoln Investment Planning * Lincoln National * MetLife * Mutual Inc / PlanMember Services * NY Life Ins. & Annuity Corp. * Oldham Resource Group, Inc. * Orion Portfolio Solutions, LLC (Formerly FTJ FundChoice) * PenServ SmartSAV (formerly Foresters) * PlanMember Services Corp. * Security Benefit * The Legend Group * Thrivent Financial for Lutherans * Voya Financial (Natl NY) Please help me to narrow this list down for further research. I'm also open to other ideas that people might have, if there are any. When I started investing at 21, I knew very little and kind of just random picked. In the last 15 years of so, I've become much smarter about where to invest but I am an IT guy, not a financial guy. If this were IT, I'd say that I know just enough to be dangerous. All "advice" is welcome, but please do not flame me for being stupid in the past. No AI responses PLEASE. Thank you to everyone else who's willing to help!
SPY and QQQ are different and won’t trigger a wash sale. I even traded SPY and VOO back to back and didn’t trigger a wash sale.
If you’ve never researched it, look up the 20 questions for gamblers anonymous. If you answer yes to several, think about what that means for your life. You currently have 10 MILLION. Stop gambling on stocks/options. Diversify (VOO, QQQ, GLD, SLV) and others, but no more options. Slow down too. Don’t lose it all by chasing more and more gains in short periods of time.
Do not listen to a single person here unless they are saying VOO/VXUS. Put it in one of those and don't touch it for 30 years
I wasn’t Bragging I was More saying that if OP was nowhere on track for retirement then they shouldn’t be investing in risky picks and should instead be putting it in something with less risk like VOO. In reference to my numbers I explained that since op asked what a decent sized portfolio was. There’s a ton of people who come on here asking about stock picking when they are 40 and have 50k invested. So I try and ask them first because they really shouldn’t be investing in risky picks in that situation. I have Way less then OP invested I was just saying that my idea of decent portfolio at 38 may be a lot different than their idea. You can’t give valid advice without all facts
70% VOO, 30% metal ETFs (SLV, GLD, CPER). A lot of ppl on here won’t agree with me, but I'm on track for 240% this year in my portfolio. I'm a strong believer in metal for the next coming years. With implantation of all this new tech, the oldest form of money is gonna be safer than other assets. SLV may slow soon I still think it will hit 120 around April; safest bet is CPER in my opinion.
Is its higher expense ratio worth the dividend avoidance? Doing some quick napkin math on a 100k investment VOO will produce approx 1.3% dividends or 1300 of dividend what assuming you are in the 15% bracket will cost you $195 XDIV expense ratio is 0.085%; not from the looks of it it holds funds like IVV or SPY or VOO what also has a 0.03% expense ratio so the 0.085% is the extra you are paying to not get dividends if you held VOO On a 100k that is $800, to me you are paying $800 to avoid like $200 of taxes?
Sell out. Maybe roll 1/4 into VOO or something and forget about it until you're old. Live and enjoy life with the other 3/4ths maybe hobby invest a little bit here and there if you get that itch back at some point.
But there has been no real "sell off" VOO for the USA markets is with in 1% of its ATH , falling 1% is just noise not a sell off VXUS is pretty much at an ATH for foreign markets VT the world market is with in like 0.1% of its all time high Where is this so called sell off?
Yes yes I know the hot funds for you guys are now VTI and VT, which actually boast worse returns than VOO, because of course they do. You guys are gonna start just buying fixed income at some point because you like the predetermined coupon payments
again Boglehead already kinda frowns on VOO (stop using it as a baseline to compare to Boglehead thinking). QQQM is a bridge too far in that strategies view. I cant speak for whoever banned you but maybe any selection of stocks with <500 members is essentially stock picking to them.
Yeah what I’m saying is that your strategy makes no sense. And even so, if I were banned for going off topic, fine. I was banned with a note that QQQM is “stock picking, and a particularly nonsensical form of it, at that” Ffs VOO and QQQM have damn near the same top 10.
The results of what? 20% in the past year. Okay, VOO has done 14-15% over that timeframe, QQQ has done 18% iirc. Emerging markets have done 40%. Canada has done 30%. EAFE has done 30%. You easily could have beaten VT by just looking at what was going on. You could have done 50% on semis. Let’s not even talk about commodities. And these index funds don’t provide downside protection. I could have gotten you better returns than SPY while actually providing you with some downside protection via alternative strategies.
possibly because its less diversified than VOO and a higher feet. VOO is like the limit of what is appropriate in that type of investing strategy. If you are using stuff that is less diverse and higher fee than VOO, you are in a different investing strategy and therefore belong in a subreddit that caters to different investing strategies.
I got banned from there for suggesting someone buy QQQM. The mods called that “nonsensical stock picking.” QQQM is an index… an index that has a nearly identical top 10 to VOO. These people don’t know anything
I have 30% of NW in precious metals right now. People were laughing at me in 2023 when I started doing it lol. Currently I'm selling them and moving to debt and corporate bonds. I will reduce precious metals to 10% of my NW in next 3 years. Out of remaining 70% I have 40% invested in my home country and 30% invested in VOO.
VOO is a solid choice—it’s essentially a bet on long-term U.S. growth. However, based on 2025 performance so far, the U.S. hasn’t been the top-performing market. A weakening dollar has been a headwind, and gold and silver have significantly outperformed VOO this year. Personally, I’d allocate 60–70% to VOO and QQQ, 15–20% to gold as a hedge, and the remaining 15–20% to top global ETFs like VT, VEU, and IXUS for international diversification.
87% of QQQM is in VOO so... Do with that what you will. If you have $70k in cash, I guess depending on your timeline then to me I'd be pouring money into sub $90k Bitcoin. I already have 6+ BTC but I've been buying like a fiend recently with these dips.
Yes your ETFs overlap quite noticeably. You have VOO which tracks the s&p 500, including all sectors (e.g tech, healthcare, financials, etc) and QQQ which tracks the nasdaq 100 (Very tech heavy) You would overlap on names like Apple, Microsoft, Amazon, etc. For my two cents you should keep both allocations without selling to avoid any tax implications, but consider diversifying. VXUS is a great call and one I buy personally, recently the international markets have been putting the s&p500 to shame. Also consider a precious metals ETF which has been performing really well recently (but usually very safe historically). You would end with a portfolio of Broader market > Tech growth > international > commodities.
I retired at age 49 holding a 100% all stock portfolio (mostly VOO) and I have no plans to change.
Also, I should add that I intend to rotate back into VOO at some point. I just don't think that being solely in the S&P 500 is attractive right now relative to other options.
If I need a sizable chunk of cash, then I can always take out a margin loan against my BRK and VOO positions and carry forward the taxable deduction from the interest payments to offset future capital gains. If I wanted to be fancy, then I could do a carry trade with the Swiss franc and pay sub-1%/year in interest through IBKR for a margin loan at today's rates. Using a margin loan for index-based equities is often more advantageous than an income-based portfolio. Foremost, I control when I realize capital gains. I can thus wait for a time, like this year, when tax rates are lower than normal to sell shares and pay off that loan. I can, alternatively, just keep rolling the loan as long as brokerage and FINRA thresholds are met. My beneficiaries can take advantage of the stepped-up basis for the equities to pay off the loan without realizing any taxable event for capital gains. With an income-based portfolio, there's no such option, since the dividends are directly realized each time that they are paid. Lastly, and perhaps most importantly, the annualized gains provided by indexes, like the S&P 500 and NASDAQ 100, often outperform the gains and dividends for income-based portfolios. So, this incentivizes just buying, holding, and borrowing against shares in the long term.
I was 100% in crypt up until November when I finally got out after 7 years of holding. Went 100% to VOO/QQQ then dipped my toes in SLV and now thinking of really going at it hard now. State of the world and all, seems like there’s a retreat to metals for now. Or is it just my degenerate crypto past thinking for me…haha
Does the Nikkei predict what will happen with spy/VOO?
I won't lie - it can be very stressful at times. A lot of my free time is spent hunting for every little tidbit of news that may influence commodities. It was a lot easier and less nerve-racking to just have everything sit in BRK and VOO/SPXL and not really pay attention to the news.
Bruh maybe just hold 50% VOO 50% VGT and *just chill*.
Sell 10% VOO, invest in guns, ammo, and bottle caps. Hope your survive long enough to either use them or sell them since they're now the new currency. Good luck =)
Why not VTI? It's has all the companies VOO has, less volatility(cant forget forty7 is manipulating the marer like its his 1st job), & better coverage of the entire market.