Reddit Posts
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
When I put $5 on a stock I win , put $50 in I lose almost every time.
Revenge traded a NFLX loss into a $700,000 MSFT profit 💰
I wish I never invested into LUNR and NASA. been waiting for a few weeks to sell, but ofcouse dip keeps dipping....
Best Way to Diversify Brokerage vs Roth IRA?
Selling $DRAM (up 13% today), evaluating alternatives.
Chasing the memory stock rally ruined my portfolio. Now I don’t know if my new portfolio will save me or make things worse
22, Nervous about Risks / ETF vs Individual Stocks
I backtested 44 Robinhood IPO Access deals. Why buying and holding is a trap and the hypothetical strategy that beat VOO
Top ways to invest in innovative companies through ETFs? High risk appetite
going all in on “small satellites”
Uncertainty with my portfolio, should I reallocate, trim, hold?
38M Canadian with Defined Benefit Pension: Looking for Honest Criticism of My LongTerm Investment Plan
Trying to ACTUALLY understand what is happening with memory stocks; not asking for predictions
Are there stocks with 6%+ dividends that still keep pace on IRR overall with equity ETFs (12%+)?
Thoughts on auto-callable basket type instruments with downside protection?
19-year-old college student looking to invest for the long term. What would you buy in 2026?
21, recently married. Any advice for a new-ish investor like myself?
Build an ETF portfolio that could survive a crash
What do you tell people that are too scared to move out of cash?
A warning on how a stock hobby can progress
I am in digital marketing, and I just went full port into Google.
Retiring at 32! 23 year old saves 50% of income in nyc.
I invested in the market today
Liquidated all positions: Sitting on $1.2M cash for a 2026 macro restart. How would you deploy this for the next decade?
I have currently sold all my stocks and have $1.2 million in cash on hand. I would like to purchase a new batch of stocks to hold for the lo
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
ELI5: Why would an ETF like VOO or SPY outperform the S&P500, if even for a single day?
Never seen VOO down so much more than the sp500, didn’t even know this was possible
Would it be crazy to sell my NVIDIA shares (60) to buy into the DRAM ETF?
Is there any reason to invest in VOO rather than VOOG?
Need some advice on how to diversify and invest with a tight budget
Too much of my portfolio is from RSUs - how would you diversify?
I can't beat the market. I won't ever beat the market. After years I realize that now. It's VOO for me.
In 2023 Robinhood killed the chart that compared your portfolio to any stock you want, and called it "temporary." It's 2026.
If you were to invest $5000 today what would you suggest?
What actually causes swings in stock prices?
AI is disruptive. Individual companies have never been more volatile. What’s the argument to not just buy indexes?
Mentions
That is call risk. Even rich will think when 2 million to just put it in VOO in one go. BTW most rich money tied in businesses and property.
someone with 5 million in VOO is rich IMO, not sure about yours Mr Money Bags
2 Million in VOO from before COVID has become 5 Million now. Or 20 million has become 50 million. The rich have made more money than you ever will just sitting on their ass in index funds.
Buy SPYM / IVV / VOO / SWPPX / FXAIX / SPY on bad pullback days and keep it easy. Now pay me $ for this advice. Is what I feel all of the investment groups are. They are and added expense ratio with zero guarantee. Have them print out CPA verified gains and then consider joining
I am unsure if I should sell my shorts, put it all in VOO, and just wait for another braindead pump to re-enter shorts. Selling my shorts now feels dumb though considering how much value theyve lost in the past couple weeks... selling low literally.
Regular contributions to VOO or SPY in a roth or traditional IRA to start out is a very good place to start. You can read the subreddit and come away with a lot of really intresting ideas about what to do next!
*"I have no idea where to start. I have a couple $100 divided into SPY and VOO on Robinhood but I want to start putting only $100-200 on my HYSA and the rest into index funds or something that will grow at higher than 3%"* I will respectfully disagree with you. It looks like you know exactly where to start and you did ! IMO regular contributions into SPY or VOO builds you a great foundation for your future self.
My guess is the bulk of advice given is to keep what you might need in the next couple years in the hysa, the rest in VOO or other ETFs.
AVLV and AVUQ. It screens stocks better than VOO
yes you just need to wait for the window to close to re-buy the same security. another catch is they can't be "substantially identical" e.g. sell SPY at a loss and buy VOO the next day
There are several fund you could go with. I'm in VTI from Vanguard (it's a bit more tech heavy, which seems to be where everyone b/c it's hot), tho some like VOO, and there are others. All will give you some diversification.
Does it make sense to take a $200K margin loan at 4.88% interest against a $1 million VOO portfolio, for the purpose of buying and holding more VOO, reinvest the dividends and let the margin interest accrue? I’d want to avoid a margin call even with a 66% loss and a 45% MMR
At your age, just setup a per paycheck buy of a few ETFs, VOO is \~15% of my taxable portfolio, Probably close to 60% of my overall investments if you include the 401k and IRAs. But follow the rules, 401k up to company match, then IRA. If you have money after that it depends on your goals for where to invest it. My goal is building a taxable account to cover early retirement, so I've got a bunch of different things in my taxable account and right now I'm buying more foreign ETFs to try to lower my US exposure due to the trump admin purposely weakening the dollar. Then I've got a bunch of individual stocks and a few options. I followed AMD pretty closely, bought 3k AMD shares for less than $3 in 2008 and successfully wheeled it for years until it got called away. I bought a bunch more in march-april of 25 because I knew it would be going back above $100 a share. TL;DR: Setup your retirement first, then buy broad ETFs for holding over a long period of time, don't try to time the market, but if you follow a few stocks very very closely you may be able to time a dip correctly if you're lucky and willing to gamble a bit for some fun money.
Those aren't Internet shortcuts, they're ticker symbols. The standard advice on this sub (and in passive investing more broadly) is "VT and chill," meaning "Put money in VT (Vanguard Total World stock ETF) every month and never touch it." Don't "trade," especially don't day-trade, don't try to time the market, because even people with all the public information in the world and full-time jobs doing market research fail 80% of the time to beat the market, so what makes you think you're smarter and more competent than the professionals? You can substitute VOO for VT if you want to be US-only. (Whether that advice is still valid now with Trump actively engaging in market-moving corruption and selling early access to his posts is another matter beyond the scope of this reply.) SCHD and VYM are both dividend-based funds. They contain less (but not none) of the high-flying growth stocks, and more of stocks that have a fairly stable cash flow. So, MAYBE they will drop less than VT, VOO or (Chaos forbid) QQQ if/when the AI bubble pops. They MIGHT do better than VT or VOO over the next year or two, if there really is an AI correction (which may or may not happen). But they'll probably grow less over the long term, and they're more subject to "tax drag" due to constant dividend income. So, I'm just making a joke about alternate advice that MIGHT suit you if you are sure there is a big AI crash coming. Don't come crying to me if/when my advice turns out to be wrong, because it was worth exactly what you paid me for it! No one seems to have found my joke funny. (I will admit that I sold some target date funds and bought VOO, SCHD and VYM recently, but only because I was mad at NASDAQ for being such whores to Elon and wanted to minimize my participation in the SpaceX index purchase scam. Also, I'm old (near retirement) so switching from growth to dividend stocks may not be quite as much of a mistake as it would be for someone young. But it may indeed be a mistake. We'll see if I get lucky.)
I'm glad I took my NCLD gains from yesterday and split it into VOO + SCHH
In fairness I think AI is going to change the world. It could be the most influential (and maybe destructive) technology ever created. It could end up destroying society in which case it won’t matter what we invest in. Or it could just be a great economic prospect. As a software engineer I see what the latest AI models can do. It is a major threat to my job. But software is just the leading edge of jobs AI will replace. I feel like I have no choice but to be at least 30% in AI as a hedge. I am in some DRAM, some Amazon, some Google, and some photonics. Ironically the big loser of those for me has been Google. 70% is VOO or international index funds. Probably should be in some robotics as AI robots will be a thing. Imagine a world where AI robots operate the full life cycle of robot creation. That would be an exponential growth of robots. Maybe sci fi but maybe not. Anyway, I think everyone should be in AI to some extent. Not 100% but probably more than 10%.
Fuckers are dumping VOO on open, when does it end.
I bought VOO right before it dumped just now, I'm so good at this.
17 ETFs with overlap is almost certainly overcomplicating it. If most are US-focused you're paying multiple expense ratios to hold basically the same underlying positions. The mental overhead of rebalancing 17 things also tends to produce decision fatigue or inaction, which ironically leads to worse outcomes than a simpler setup. A core of VTI + VXUS (or VOO + VXUS) covers 90% of what 17 ETFs are trying to do. I keep the ETF side of my portfolio dead simple and use MarketCast to track the individual names I actually watch actively — keeps the two jobs from bleeding into each other. What's the actual thesis behind each of the 17?
GameStop was genuinely traumatic for a lot of people who got caught on the wrong side or even the right side and gave it all back. The market since then has been completely different though — it's been one of the longer bull runs, especially in tech. If you're thinking about getting back in, starting with broad index funds (VTI or VOO) rather than individual names is the low-stress path back. I eased back in by keeping a watchlist running on MarketCast on my TV — prices always in the background but I'm not obsessively checking my phone. Made it feel a lot less high-stakes. What's holding you back from re-entering?
VOO and chill for a year
The advice is , time is on your side so take advantage of it by investing in some funds like VOO or VTI and set aside a certain amount of money for your trading purposes. Let the market do the work .
You do not need a lot of ETFs. It is best to use ETFs for broad market exposure, like VOO and QQQ. Then you can buy a few individual stocks to fill in.
50 is not too late at all — she potentially has 15-20 years of compounding if she starts today, which is more than enough to build meaningful retirement savings. The priority order I'd suggest: 1. **Open a Roth IRA immediately** (if her income qualifies). $7,000/yr max at her age. Tax-free growth for potentially 15+ years is huge. 2. **If her employer offers a 401(k) with any match, that's free money** — contribute at minimum enough to capture the full match. 3. **Keep it simple**: a single target-date fund (like Vanguard Target Retirement 2040) or a three-fund portfolio. She doesn't need to pick stocks or actively manage anything. The "it's too late" feeling is common but mathematically wrong. Someone who invests $500/month starting at 50 into index funds averaging 7% historically ends up with ~$150k by 65. That's not nothing. The key psychological trick for new investors is staying informed without getting overwhelmed. I've seen people paralyze themselves researching instead of just buying VOO and letting it ride. Keeping ambient tabs on the market — I personally just run a live ticker wall via MarketCast on my TV — helps you feel connected without getting sucked into day-trading anxiety.
It's never too late in fact at 50 I would suggest 50% in VOO, VTI, or FXAIX and 40% in SCHD. The remaining 10% in a money market fund to use when there are dips.
That’s what I was just thinking. Market could go down and he’s working against himself. My normal brokerage account only gets $10 a week. I blew too many account ms in the past so I’m just growing it through day trading. No idea what to do with the money, I invest about 5% of every profit into VOO and retain the rest in cash.
You obviously can't handle high volatility so switch to ETFs like VOO.
Bro, your next play is parking that in VOO and retiring. You won dude, don’t give it back.
My Korean broke they are full port VOO
It’s not a good idea to DCA into an already decaying financial instrument. You usually DCA into ETFs like VOO and sometimes individual stocks. This isn’t the place to discuss this though this place is strictly for regarded content!
Thank you for the response. What I am trying to get at is that diversification is deeply related to two assets being uncorrelated. Both VXUS and VOO went down by the same approximate amount during 2020, so where is the benefit of diversification. Like, this asset has cost you (in opportunity cost) 170% of your original investment over 10 years. VXUS is MASSIVELY underperforming so why pick the worst asset when it’s highly correlated with a much higher quality one. Why not buy the best in class within various classes that are uncorrelated rather than two assets with overlapping holdings?
Does it make sense to take a $200K margin loan at 4.88% interest against a $1 million VOO portfolio, for the purpose of buying and holding more VOO, reinvest the dividends and let the margin interest accrue?
It could work if you do it the un-WSB way and set a max loss per day. If the account grows don't increase your risk, just roll those profits into VOO or whatever ghey thing your Geometry teacher told you to do while he was trying to groom you
Now don’t fuck it up. Throw that shit in VOO
Nokia has done better than VOO for the past five years, so you are making the point to hold not sell, especially since it doing good the past year, including up 10% today. On the other hand, the OP doesn't seem to have a clear plan for the stock so selling and buying something they are more comfortable with would probably make sense for them.
Everyone and their mother knew about the GME drop. We are only referring to being right when going against the grain. Otherwise I’m a market savant calling VOO to go up in the long term.
VOO wasn't moving like I wanted after several years. It was slow. I'd suggest you look at SPMO or QQQ.
2.63% of gains never looked so good. Just don’t think about the \~80% gains you could have had just throwing it all in VOO
RKLB, SMR, NASA and LUNR add up to about $5,047, which is over a third of the account. Selling NASA on its own barely changes that, since the space theme is still where most of your losses are sitting. The $300 of gains against the $1,054 of losses in those other names is fine to harvest, you just have to stay out of NASA for 30 days if you want to claim them. You've already said you don't love NASA or LUNR. Would you actually let the space exposure shrink, or does the urge to add another name back show up pretty fast? I'd probably let VOO and VXUS carry more of the weight and treat the space names as the smaller part.
Roth IRA is looking great. The taxable brokerage account you just need VOO and VXUS. Maybe add VBIL for emergency savings with tax protection perks (no city nor state taxes). Only downside is you can't access the savings on the weekends once the stock market closes.
Bonds are unlikely to outperform in the long run as you experienced, but are good for peace of mind. You mentioned that you are a couch investor yourself so Im guessing you deal decently well with volatility and probably dont need the money in the short term. I would say go with the VOO or SPY in your case.
For me VOO or SPY is already enough, as you said a lot of QQQ or any other popular overlaps so there is no point. I think about geographical diversification in what the businesses actually do. For VOO, most companies operate around the world so US concentration wouldn’t be that big a problem. But if you are still concerned I think a small portion of country or region specific ETFs to go with VOO would be good. Lets say Alibaba from China becomes the biggest company in the world in 20 years somehow, you would still capture that in a China or Asian ETF while your American companies also do their jobs.
You're too concerned with the number of shares and average cost of your holdings. What are your percentage weights of your holdings in your account? Inspect the weighting of the stocks in your portfolio and notice the multiple bets on the same stocks like Amazon and Microsoft for example. This should be concerning because it's not something you mentioned being aware of. The selected etfs are all reputable. SPYM and QNDX are cheaper than VOO and QQQM if you're adding new shares in the future. The cost savings is not huge so nothing wrong sticking with VOO and QQQM if you prefer the cleaner portfolio. The individual stock holdings are a bit performance chasing. If you are investing long term, these look like relatively shorter term holdings compared to your etf choices.
seriously, 15%+ returns on VOO and QQQ
A lot of new investors learning the hard way that VOO and chill is smarter than them
QQQM: SCHG: SPMO: VOO: VGT: SCHD: Lots of overlap
I see this argument all of the time. And I do agree it's a risky bet. I fail to see how no one ever makes the comparison of s&p 500 and nasdaq 100. QQQ is the top 100 out of 3000 nasdaq listed stocks. VOO is the top 500 stocks out of 12,000. How is it wrong to purchase QQQ out of the perceived quality of being in the top 3% of a index, but it's okay to purchase VOO out of the perceived quality of being in the top 4.1% off a market? I think nothing of the index, and everything of the "top tier" involved. It could be the Zebra 100 for all I care. This is my mindset any ways. I own AVUV as well and am fully on board with your argument for it. I just see so many people with the "nasdaq is inherently" argument, and I'm not sure that's how everyone investing in QQQ perceives the situation. Maybe I'm an outlier, it's a numbers game to me. Genuinely curious how what is stated above would be a false comparison, or is inherently flawed. If I am wrong in some fundamental way that I'm not perceiving please lay it out for me so I have a better understanding of this "inherently" argument.
VOO. Build your permanent core now, keep adding on to it until your monthly investable cash flow is about 5% of your invested capital, only then try swing trading first (multi-day or multi-week trading). Meanwhile, start a demo portfolio with 10000$ and meme trade stocks based on vibes and WSB recommendation. See how quickly you will blow it up, look at your solid VOO investment, and thank your god that you followed this advice.
When I started investing in 2019, I had no idea what I was doing so I was buying small (like a few hundred $) of VTI, VOO, QQQ, VUG, VT thinking I was diversifying. But it's too late for me to rebalance to a more simpler portfolio with just VTI, VXUS, and VB/VBR since I have sizeable gains. I'm Mag 7 heavy especially since I own META, MSFT, and some APPL too.
If you’re buying broad market etfs like VT/VTI you have to have a reason to have multiple holdings as they are already strongly diversified alone. There are relevant cases to own multiple funds for diversification. Did you buy VOO/SPY young and want to have a more diversified holding like VT without selling and incurring taxes. Then you can buy VXUS and VXF. Those hold international and domestic non SPY funds respectively. They have no overlap with SPY, so increase diversification. You will have to manually rebalance. Even in that case is optimal diversity worth the extra effort to you.
Sell VOO and DCA the rest
They told you to VOO and chill and you decided to VOO and retard
Imagine if you just put that 151K in VOO or VTI and didn’t touch it for 10 years
You are set to VOO and chill until retirement age. Or ... You know, this is wallstreetbets
Thinking of buying a quantum etf, QQQJ, and VOO, am I fucking stupid?
800k in real estate only generating 3% per year in rent? Is that profit or revenue? It’s difficult to get a grasp of your situation from reading this … if you sold your real estate portfolio and put everything into VOO then yes you would certainly outperform your real estate holdings but I get the feeling there is more to your financial picture than what is represented in this Reddit post.
It’s all irrelevant if you just VOO and chill
It depends what THEIR goals and risk tolerance is. If they prefer safety, ladder some bonds or use a high yielding money market for a chunk of their assets. If they prefer steady income, set up an income portfolio for them. If they can tolerate risk and don’t need monthly income, but can handle a draw system, you can use my plan. With $2M, they can safely spend $80k (4%) per year as a starting point. I’d set aside 4-5x that in order to make sure they wouldn’t need to draw down from their equities during bear markets or crashes. So $400k in either laddered t-bills or a high yield savings or money market. Then the other 80% is invested in equities, namely VOO, or VTI with a small percentage in SPMO, QQQ or VGT, or any combination thereof. This will provide growth over time. You sell equities to replenish the 5 year cushion fund during flat or up years, and just draw down on it during years when the market is down, replenishing it when the market recovers. The beauty of the system is that over time, the 4% annual spending money increases with the performance of the market which should more than cover inflation. The potential drawbacks, it will require a more hands on approach to refund the slush account annually and could lose value if the market goes through an unlikely abnormally extended bear market lasting more than 5 years. But they have to be okay with the plan and taking that level of risk. Will they freak out if the market and thus the value of their portfolio drops 20-30%? Will you be able to handle that feeling in the pit of your stomach? We never know when a market correction or bear market will come or how long it will last. But history tells us that at some point it will. Just factor that into your decision making process
Should I wait until the market is down again to ape? I’m fully VOO VTI right now but I used to trade single stocks.
I have 3% port as part of a 10% bond allocation. The run it is having is NUTS and no one is talking about it. Still a low PE compared to VOO too. Classic I keep thinking "this has to be the top" and it grinds higher while VOO drops or stagnates. Do a YTD compare SCHD vs TLT, looks like it is inversing bonds a bit. Wondering what CPI on Wednesday will do to SCHD.
Go to your favorite financial news website that has a security charting feature. Type in VOO or FXAIX if you like mutual funds - or VT, VTI. Change the time factor to the equivalent of all. Check the direction of the chart. Check the % increase (growth). It is probably a continual line up and to the right. Play with the time range to see how things change but always eventually resolve up and to the right. Meaning that it is growing in value and your wealth is increasing. Now try to reconcile that actual data to your feelings and make a rational decision that you are comfortable with
Sandisk need to make a 50% move from now to oct... Thats a lotto move now at this point. Take a L and put it into VOO for 5 years. You'll get it back
99% of people with a long time horizon should just be in 1 or 2 ETF's. Yes, a lot of these companies that have gone up a ton due to AI speculation will probably go to the 0, but there will be clear winners. ex. MAG7, Anthropic/OpenAI/Moonshot. VOO covers the obvious winners so just chill in there for 20 years.
Run. Never look back. Save yourself. Parting words - buy VOO and keep doing that reoccuring for the next 30 years. bye forever.
I am personally taking step back to conservative investments and buying big dips only. Big dips like MU going down to mid 700s and AMZN going below 230. I am also keeping some cash equivalents for other bets I am monitoring. I have dedicated cash set aside for when/if fed decides to raise interest rates. But yea, I am going all this in my regular brokerage. My retirement is 100% VOO.
70% In S&P index fund (example: VOO) 20% International non-US fund (example: VXUS) 10% aggressive fund (example: QQQ)
You should always balance your high beta growth holdings with anchors. My big anchors are schd, wm, and tmo. Self managing a portfolio is all about risk management. Emotions HAVE to be removed. For most this is easier said than done which is why the boogle head strategy is the best path for 90% of investors. If you put all your money in VOO 5 years ago and didn't touch it you'd be up over 40% without having to think about anything. I really recommend acorns for almost everyone.
So you either commit to a slow earning VOO/SPY portfolio and accept it'll take decades to make substantial money unless you move to a third world country.. Or you bet it all once more. The risk is keeping a low money life you already have anyway.
This. Just to build on this, professional trading is really difficult, and most amateur traders (people in this sub) probably suck at trading, including (or especially) options. To this guy's point, if you've consistently DCA'd into VOO for the last 10 years and you have a medium to long-term time horizon, you're probably pretty happy and maybe less stressed. But it's boring as shit.
I feel like it depends on who’s actively “trading” and who’s actually just investing. It seems like most traders are losing while people chilling in like VOO or something are profiting. I’ve tried both and I lose when I think I’m a hot shot “stock trader”
Don't want to say it loud, but the day I'm having to pay for Gemini Notebook, I'm fucked (being able to pinpoint issues or ask AI where certain regulation is on a 160 pages contract is a godsend) ...or I get rich as Google is my 2nd largest holding behind VOO
I do about 60% VOO 30% QQQM and 10% individual stocks which right now mine is in RDDT.
It says euros. VOO isn’t that popular except US
Did you read the post? You can’t buy VOO in Europe.
Vanguard is cool, they just don’t offer all the stuff Fidelity does and their UX is dated. I know Vanguard advisors and they say it is by design, investing should be boring, and they are not trying to cater to self directed investors, they want people to use their advisors. This makes sense, and I appreciate their candor. They would honestly prefer you buy VOO at a place like Fidelity or Schwab, let the them deal with the service phone calls. There is no revenue from self directed investors on their platform, it is just a loss leader to provide people to pitch management services to.
Sell all of that bs and only buy VOO every two weeks for the next two years while you figure it out. Seriously.
2k isn't much if you have 30k+.... Investing has been a nightmare since last october unless you dodged all blow off tops in crypto, metals, space and memory OR if you were all in SMH exclusively and didn't try to play anything else. Else VOO and chill really was just the best play. Right now there are still a few beaten down stocks that could pop 20% in a few days, especially now on earnings, but you'd first need to find the right ones and even then the question is if they are a good long term hold. I think the ai party will soon come to an end, though there could be one last bout of euphoria left. Even the cheat code of just buying the mag 7 has underperformed for the first time in years. I would stay the course for now, avoid leverage, just stay in voo, keep some cash handy to buy gold/crypto for whenever they bottom out or if we do crash. Could buy treasuries as well because imo the upside ain't so bad especially if we do get a substantial crash, else you still get over 5% a year. I'm also bagholding memory but i do expect it to still bounce a bit. That will be my top signal though, i'm not gonna try riding them out for big gains anymore.
I invested a little (first time in march) into SNDK (30% loss overall), SKHY (19% loss), MU (18% loss) and STX (9% loss). VOO and AMZN have been my only gains at 10% and 8% respectively. Should I just sell on those losses and toss it into VOO to someday make it all back or is it worth staying with them? I feel like a dumbass for having gotten into it right before the rug was pulled. It’s not much, about $2k total but I was ready to invest about $30k. I’m glad I didn’t. But even with that bit, man, this has been such a disappointment overall. Except for VOO. They’ve been good and steady.
The thing I'd want to look at first is whether the brokerage account is really a second strategy or just the Roth account with a dividend filter on top. VOO and VXUS already give you broad US and developed international. SCHD and SPHD are both S&P 500 dividend or low volatility screens, so they're tilting inside the same large cap space the Roth account already owns rather than adding new ground. QQQI tracks the Nasdaq 100, which is heavily overlapping with the growth half of VOO. IWMI is the one sleeve that does something different. There's nothing wrong with wanting an income tilt on its own, but SCHD plus SPHD is roughly 27% of every new dollar in the brokerage account, and both pull from the same 500 names. If SCHD or SPHD dropped 30% in a year while VOO was also down, would you actually keep adding the full $500 a month, or would you start pulling back? Personally, I'd be more comfortable treating the brokerage account as a smaller satellite and letting the Roth do most of the work.
Put it all in VOO and go get a job. When it's 3 mil, retire.
I invest a brokerage account in individual stocks for the most part, so I'm not the best to answer. I wouldn't overthink it. Here are the 1-year returns on each ETF. VOO+23.7% VXUS+27.8% SPHD+14.1% to +14.3% SCHD+31.4% QQQI+24.0% IWMI+33.4%
at least it seems you're trying to stick to some rules, so that's how you win in the long run. Just know that VOO and chill is a thing for a reason ie don't get greedy (if you beat SP500 10 year average, call that a win and move on).
If you are gonna time the market, what is the point of buying VOO instead of 2-3x ETF?
is this the worst time to VOO and chill?
It can last if you buy a really rural piece of land and put a tough shed type home on it. It won't be great living, that's for sure. I'd rather stick it in VOO for the next decade and THEN retire a little better.
Dump in VOO and chill for the love of god