VOO

GrandRare1634

This is why I can't stand the constant "BUT VOO IS UP 12% YTD" yeah but all of the money I've put in since August has just bounced back and forth around $707 a share. Almost all of my gains are from shares bought last year.

guidoharley

i’m holding TSM now and around 53% up right now. should i sell it and move it to ETF like VOO?. i feel like TSM doesn’t make significant move in the last 6month

BluePuts

Honestly do I just VOO and chill or should I fomo into shit that’s up 10% today?

birdfall

I mean... if you are saying options is an investment, then ya easy to form a bad habit. but if you just put money into VOO and chill... wait decades, you should be fine

SentientSquare

I have a big decision coming up as to what to do with a chunk of liquid inheritance funds. I am 36, make 85k a year, single, but likely to be married within 2 years to a partner who now is on a grad school stipend, but will eventually make 60-80k herself. I have 28.5 years left on a mortage, 1700 a month P&I at 6.875 percent. 2150 a month with escrow. Right now I pay a solid 15-18k in interest a year which helps a lot on the tax return, but that will likely go away once I'm married and filing jointly. I have 65k in 401ks, 16k in a roth IRA (To be maxed each year from now on), 40k in an emergency fund. I will be inheriting around 130-140k in a few months. The big decision is whether to invest it in VOO in a brokerage account, or pay down the next 22-23 years of my mortgage. I hope to retire at 55, and will sell the house when I do (I will live in a shared family property) My plan is between the house sale, 401k, and other accounts to have 1-1.5 million at that time (I'm a cheap SOB, and will likely be receiving 300-700k from my parents in an IRA to fund the 10 year gap from age 55-65) Based on my income and years of service, I'm looking at about 1500-1600 a month from social security starting at age 65 (Lots of 0 years from grad school and early retirement). Planned retirement income is around the equivalent of 50k today, as I will have no mortgage payment. I know some of the obvious things 1) Brokerage is taxed 2) mortgage interest is deductable 3) Paying down the high interest loan is the safe risk free option (Except the lack of liquidity if emergency strikes) The idea of having a house paid off in 5-6 years is exciting, but even then that's just an extra eventual 1700 a month for a 403 or 457 plan, and it wont even begin investment until 5-6 years from now where I would lose growth. If the S&P goes up 10% the next 25 years, I really screwed myself. If the S&P drops immediately after buying with so much volume,, I screwed myself that way. Its also up in the air whether I will stay in thie house, or sell it within a few to move for my GFs hypothetical new job. If I sell early, the paying off the mortage doesn't really seem to make as big a difference. Really the big decision is brokerage investment or mortage payoff.

Civil-Soup2863

Honestly, I was in a similar case based on those numbers. How are you trading? You should consider just holding something like SPY or VOO or some shit if the number isn’t something you need soon.

No_Knee3385

If you just bought VOO you would be up 50%

Sure-Caterpillar-263

VOO QQQ SCHD and maybe MU same goes for india any individual company to hold over 30 years is risky business

Educational_Bend_360

https://preview.redd.it/nrt7a1nah0yh1.jpeg?width=928&format=pjpg&auto=webp&s=e36f64e7dfe001cc1d02b5c01bf279612cffd7f2 Transition to VOO & Chill while you still can 👍

Toofstbmw

No, you are young, as an option you can just invest in the S&P 500 like VOO and don’t ever have to worry about it. Set as an automatic investment! Best place to invest is in a ROTH IRA, let it grow until you’re ready to retire (for ROTH IRA, at least 59 1/2) and sell that to purchase dividend stocks to live off and you’ll never have to pay taxes on growth or dividends!

stupidber

Its actually like a $300k+ loss if you consider the gains you lost if you had just thrown it in VOO

-K41DO-

VOO/VTI or any SP500 index is the obvious safe bet but this is WSB, basically gambling addicts making fun of other gambling addicts. Having a Roth and knowing my money is making even more money is the best feeling ever. Wsb comment section is what I’m here for, peak comedy 11/10 😂

milkplantation

Yeah, but look at the conditions that the person asking the question outlined: * 30 years old * 1 million in the bank in 2008 (1.6 million today) * Not a full time investor * Can cover your expenses for 18 months * No dependent Buffet said under those conditions it make sense, which it does. Again, if you have a 1.6 million dollars in the bank today and are 30 years old and have no dependents it's not about maximizing capital, it's about greater returns that short term treasuries over a long horizon. I'm not knocking the VOO recommendation, which you're right about Buffet often recommending. But people often twist or conflate his recommendation to invest in VOO in lieu of BRK itself which isn't exactly what he was doing. I'm not advising stock picking at all, I very much am in favour of index investing and think VOO is a great default choice.

milkplantation

So your suggestion is that your 10% sleeve used to take big swings was effective, now you're going with a 50% sleeve and you expect without the 90% psychological cushion in VOO you'll have the same success rate? Good luck with that.

milkplantation

To be fair, Buffett clarified that although he advised the trustee managing his wife's inheritance to purchase VOO, it wasn't about maximizing capital, it was about 100% peace of mind. His wife would already have more money than she could reasonably spend so there was little reason to accept additional single company risk to pursue greater returns.

Aggravating-Buy-1695

Get a job kid. Invest in the Roth IRA. Buy SPY or VOO shares and max out contributions every year.

nigel_tufnel_11

Most people in here have to work hard to lose like that, but it's effortless for you, congrats. Seriously though, if you're unemployed, don't have your entire nest egg in risky stocks. If you had that in VOO, you'd be +11.65% and you might want something even more conservative until your situation stabilizes.

Sudden_Economics7

Did you learn anything from it? It s good to write things down and then look back to see what you did wrong. You still have $37k left. Even Charlie munger lost about 50% on his investments at the begining of his career. It might be better to just put it in VOO or QQQ at this point. Take a short break and only use a small portion of your money for trading. Or just do paper money for a bit. If you have the urge to trade everyday just go small. 1-2 shares or $200 max allowed.

spilledonwhite

If you gave me 2.3m I would retire tomorrow and easily live off a 3% draw and not have to wage slave Assuming this is real I hope you put 90% in VOO you will have your 5m in like 5 years almost guaranteed

thuglifecarlo

Ive beaten the market for 15 years straight not knowing what i was doing. Had I know I would've beaten the market, I would've not invested 90% into VOO. My regular stocks are now 50% of my portfolio because they just keep outperforming the market.

TravelingAgave

VOO has made me rich. Enjoy your day! 🥂

Vlisa

You just know Cramer's personalport is just VOO and chill

arronsky

If I had stuck every dollar I spent chasing some individual stock into VOO or VGT I would be far richer in time and money. It’s still fun but I’ve lost the “get rich quick” drive as it doesn’t work and once you have enough that compounding is interesting, it loses its appeal. So build your base back up , leave something like 5% for fun trading but never more.

SanDisk_Made_Me_Itch

I think you should only focus on an handful of stocks and wait for good timing. I like to focus on one industry since if one pops, odds are another one will. Trading everything is a sure way to lose your money. That being said, I’d say you had your fun and learned something, but should VOO and chill from now on. 

astrawberryandakiwi

This is why I buy VOO

TreGet234

VOO is a risk free 10% savings account.

Avexu

Depends on the investment. I would gladly DCA into ETFs like VOO or SMH; as I know the market will continue growth in those funds. However, with individual stocks, DCAing is much more riskier as even if you do average down your share price as the stock tanks; you are still losing money. A lump sum prevents that by cementing a large singular position that you can make more predictable decisions based on your sole share price

Aevaris_

It's why I don't own VTI anymore, VOO all the way

DistributionBroad173

The safety of bonds is a fallacy. You can lose money on bonds just like you can lose money on stocks. Tell that to SVB, Signature Bank, First Republic Bank in 2023. All three failed. Charles Schwab was close to failing since they had $40,000,000,000 in unrealized losses on their bonds. FXAIX, VFIAX/VOO work just fine.

Everyday-Joe-Invests

As a new investor, I'd recommend starting out with ETFs rather than trying to pick individual stocks. A couple popular ones are VOO (Vanguard S&P 500 ETF) and VXUS (Vanguard Total International Stock ETF). Opinions will vary, but I'd go with a mix of 85% VOO/25% VXUS. Once you're a bit more comfortable with the way the market works, then you can start adding individual stocks.

TravelingAgave

Absolutely. I want the best for everyone in here and for it to happen as quickly as possible just like we all do. My plans worked and still works and will work for you too. Never get debt for any reason except for a modest house. Pile everything you can into VOO as fast and as much as you can. Marry a likeminded and hard working spouse. Reinvest all dividends and never give into lifestyle creep and you will get rich enough to never have to work again. I never went to college, I have no pension and will never get any type of inheritance or other windfall (and never have in the past either). Best of luck Gentlemen.

TravelingAgave

Uh…. Ok? Keep investing in VOO and one day you won’t have to clock back in after you use up your week off. Best of luck with financing your future 🍀

TravelingAgave

Headed to Raja Ampat for 14 days of diving then Singapore for a month after that then Japan for 2 months. Life is about variety, just like VOO ✅

ScallionAromatic1310

Geez that is brutal. I felt horrible losing 40k once. Got it back though. I switched to simple and easy S&P 500 ETF and others like it. VOO, VTI, VT, VXUS etc. Go long ride the market lowest costs possible avoid dividends because tax treatment etc. 401k similar but but throw in some income ETFs because of tax treatment QQQI, SPYI, etc in case of a sideways long market. Always making money eventually. I've never been lucky or good enough timing the markets.

TravelingAgave

I’m going to buy more VOO and in the long run do better than all of you. Just like I’ve been doing for the past 20 years. That’s why I’m rich and typing this from a high rise in Bangkok and you are not 😘

Queasy-Doughnut-5512

I do 500% VOO 20% QQQM 10% VXUS and 10% SCHD and 10% whatever I want for fun that year. That is just what I like and I stick to it and don’t change

fenton7

Nothing wrong with trading index funds. I have $30k of gains on trading VOO this year, even though technically it is boring. Rolling some of that profit into these various dream plays.

Gorgenapper

Spending $1m on VOO and only making 3k from it, sounds like a good trade to me

Sweaty_Platypus69

Oh i recall - you bought like 1k of $VOO... a million plus.

MICT3361

Stick to VOO and chill buddy. There’s a lot of other financial information you clearly won’t understand

AlmostAsianJim

Everything in my portfolio is red except $VOO, thank god for my core $VOO position.

TreGet234

Brutal year tbh. Had to dump it all in june and rotate into SaaS for the big bucks. Crypto and gold all ass. Another play was energy but had to predict the iran war for the easy gains, or play the TA perfectly (which surprisingly was pretty accurate for oil at least initially). I don't see a good deal right now except TLT assuming yields have indeed topped. Ai seems shakey. I think finding a good person to follow or discord can unironically work, but finding a good one is the hard part. I still have to find one. Outperforming VOO and chill is harder than ever. Even QQQ was ass outside of the april giga rally for the past entire year. Many of the mag 7 aren't even outperforming QQQ, and the one that is is apple which has the weakest growth of them all.

AndItsThetaAgain

TLT with 60%, keep 40% cash and when the mods actually post the hotline, 40% VOO - drip all dividends into VOO not TLT

TreGet234

The top stocks change every few years. Just look at FAANG, netflix is already dead. Nvidia could be next. So yeah get a broad market etf. VOO is probably better because who knows if tech keeps outperforming (it likely will though). Or something like VT but VOO will likely outperform. Can top up with some TLT and gold since both are rather cheap right now.

HaiKarate

VOO and chill

Eastern_Gear

Im assuming youre in stocks and no options and cfds. With stocks you need time, so the question would be if you can afford to survive while you look for a job without having to realize the losses. And selling your positions. Even if you sold everything and put everything into VOO maybe you can get like 10% return but you would be far below where you started at the start. Long story short, would recommend you get a job ASAP and not have gambling as your main strategy to feed your self.

EnvironmentalMall221

Sell it all and buy VOO. Thank me later

astrawberryandakiwi

I just need VOO to touch 702

DiamondPatience9899

How about DCA into VOO and chill?

Live-Function-3024

VOO and chill lil bro, treat the 100k as fees for a risk management course and an expensive aptitude test that you are not cut out for active investing. Better to lose 100k now and learn an important life lesson than to lose your entire retirement in the future.

NorthvilleGolf

You could have just bought VOO, VIG, SCHD, VT, NOBL, QQQM, or SCHG and been doing fantastic.

mansumania

r/GamblingAddiction r/problemgambling r/GamblingRecovery again when you go to the casino with your problems you kill the vibe... have enough social intelligence to know this sub is not for that.... all of the VOO suckers... index investors... people posting about this are socially dense this is not the sub for that....

AlfredoCustard

VOO and chill

saryiahan

VOO and chill is for you

Extension_School9590

i cannot believe VOO is below 700

Mean-Pin1502

Idk man I just buy VOO and forget about it and never happened to me , maybe is a you thing with the market ruining life thingy Also making this post look like something deep and meaningful instead of saying that you gambled 160k away bcs you thought you will make it big it shows the level of \[REDACTED\] that you have .

Budget-Class-1297

If you have a smaller say under $30k account. I'd say people who buy and hold like VOO obviously are profitable in the long run, but if they use that for options and futures and day trading, 99% probably lose money because youtube and Instagram bombard them with liars telling them how easy it is to turn that into $100k in a month, so they take on way too much risk, make dumb trades and over trade. If you have a larger account, $100k or more. Absolutely tons of people that are profitable. Selling cash secured puts is probably the single safest method there is, and is what most do. Because you can afford to take way less risk. Say you have $25k and want to use it all for a CSP. Can't do it on a stock over $250 so best you can do is something like Amazon. Amazon price action is volital as hell. Do a 7dte option at 20 delta, you'll be lucky to collect $200 and there is a very good chance it drops, blows by your strike and break even, at which point you're holding the bag on a loss. If you got $100k you can do SPY, get close to $300 in premium and odds of it falling past your strike are very slim, and if it does it won't be by much, where to can wheel it and sell covered calls for it to get called away. Amazon however if it blows passed your strike even selling CC to get out of it could take weeks or even months to pan out. Learned that from experience spending 11 weeks to make $45

greytoc

Back in the 2000's - most people invested via regular deductions in their 401k. At least - anecdotally - that's how people that I knew did it. While I did actively trade - it wasn't common because of the costs - and afaik - many retail investors who investing outside their 401k were likely to use mutual funds. By early 2000's - retail investors started to be more active because of the dotcom boom and also because of decimalization. Also - trade commissions fell following the dotcom bust from around $30 to $20. Also - while the S&P 500 was starting to be a major index and over take the Dow in the 2000's. The VIX was primarily measured using the OEX until 2003 so in the media. And in the early 2000's - total market indices like the Wilshire was quotes along with AMEX and NYSE composite. And current popular ETF like SPY and QQQ used to trade on the AMEX iirc. ETF's like VOO didn't launch until 2010.

zxc123zxc123

It's DCA if you're measuring in shares rather than dollars. Because when markets fall you'll be buying more shares even with the same cash. However, "DCAing harder" is a good strategy if you're young and can afford it. |Event \\ DCA target|VOO@$700|VOO@$350|VOO@$175| |:|:|:|:| |Normal DCA ($1400 a month regardless)|2shares/month|4shares/month|8shares/month| |Harder DCA ($1400 a month but $2100 when markets go down by more than 20%)|2shares/month|6shares/month|12shares/month|

Avalonisle16

I wouldn’t have them manage your money.  Put say 50% in a S&P 500 fund (VOO with Vanguard which you can buy in Fidelity) then 10% in a small cap ETF and 10% in a mid cap ETF  OR  instead of these three funds put say 60% in VTI - Vanguards TOTAL MARKET fund which includes large mid and small cap stocks. Then say 10% in an international ETF, 10% in FTEC or QQQM and 5% or 10% in an emerging  market ETF 

Kale

I was a teenager in the 90's. I remember my dad's friends trying to get him to join an "investing club". Not an MLM or anything. Home-grown club formed in our city by 10-12 men. Two had quit their jobs (non-finance jobs) and gone full time day-trading. On the internet, which wasn't quite as common to have at your house at the time. They weren't day trading by 2002 anymore. It was later on I heard the phrase "a rising tide lifts all boats", which can have some allegory to collective benefit, but I think it can also illustrate that everyone thinks something is easy when the conditions are right. Sticking with the metaphor, I truly believe I could navigate a boat from New Orleans to the Caribbean *if* conditions were perfect. No crazy winds or currents or storms. But bring a storm on? The boat is going down. Similarly, the market has been phenomenal over the past decade. But going in to a rough market, only a few people can weather it. My only tool is to wait it out and not sell anything. That's a pretty blunt tool. I've taken finance courses and done calculations on how to estimate asset pricing and how options work. And I won't touch those with a 10 foot pole. I was 100% DCA-VOO until about a year ago. I broke my rule of completely passive investing in VOO, and I started alternating my purchases between VTV (value stock) and VYM (companies that pay dividends). My theory being that the Teslas and nVidias and Facebooks don't usually fall into value stock or dividend stock. Yes, there's always the cautionary tale of Sears, but the ETFs are a little diversified. That being said, my VOO has continued to outperform them. I didn't sell any, just stopped buying them. And that might have been a dumb idea.

aqwn

At this point you should quit and dump it all into VOO or similar and leave it for 10-20 years. Your retirement is paid for if you do this.

walking_in_the_dark_

No wonder 95% of retail lose money buying single stocks and end up with VOO and index. Look at all the doom post on social media and the big news spreading FUD about AI in almost every country. Guess who is going to profit after people are done gambling, and lost a lot of money. And a new generation retail "investors" will FOMO in again long after MM have bought low.

walking_in_the_dark_

I don't like what you are writing, oh downvote because it's hard to reflect the stupidity to select 🥭 not just one but two times. Selling at break even and at a loss. What the fuck is wrong with you people. Index and VOO take to long, but burning every paycheck on bad impuls control is the Way. Look forward to read all the loss porn the coming weeks

walking_in_the_dark_

So you are saying it's going to be an even greater sale, I am listening. People buy VOO and index all the time, if you have a investing window for let's say 5-8 years, do you think the prices will be higher or lower in that time span? Who the fuck buy anything right now and think they are going to be filthy rich in 6 months.

saryiahan

VOO and chill

Financial-Pumpkin236

S&P500 (let America do it’s work for you), VOO has lowest fees I know of. Another option is lump 30-50% into and DCA the rest if that makes you feel better. $230k at your age will set you up well in the future even if you add nothing to it

Pin-Last

I’d QQQM all right now… but I’m guessing you prefer the S&P through VOO. Just suggesting that the Nasdaq is good too.

RoofHonest9437

VOO, VTI, SCHD, BRK.B. DCA in over a couple years and forget.

Chief-Keefs-Parakeet

80% VOO. 17% intl. 1% nbis. 1% spcx. 1% tsm. Im chilling till 2035

C2theC

I’m in the same boat and I consider trimming as well as AAPL as outperformed—but then there is a reason why this is the case. AAPL is a clear buy and hold for institutional investors that effectively matches/beats/makes up the S&P 500. Put in another way, if you held VOO, would you trim to buy riskier holdings? I guess you could, or you can put new money into the riskier bets instead.

123SA123a

Let the returns determine your strategy. You seem to be bad at trading options. Stick with ETFs and leave them alone. I’ve been heavy for 10+ years in VOO and VGT and I’ve done very well.

FinancialGroundhog

Sorry, the "Strangle" backtest is just performance for adding the call side in isolation, without the put, so the overall result would be a combination of both. For a smaller account, you could do it on SXP (1/10th the size), but it's not as liquid as SPX and fees will eat more of your profit. Since the strategy relies on layering the option selling over a regular buy and hold portfolio of equity, my recommendation to someone in your position would actually be to just buy VOO or some other boring equity index, and keep saving and adding to it, until you hit about $150k, when SPX put selling becomes viable with a single contract.

zxc123zxc123

Exactly why folks and the market decided that VOO and gov bonds on some "60/40" style ratio with some alts as hedge is the best. You run less default risk with the (US) government and mostly have to worry about term/holding risk, inflation or real yield, and tax/expense drags. Th largest corp etfs generally diversified plus also top tier AAA or investment grade rather than junk bond. The small/micro cap and lower tier bond space really is for pros and insiders. Retail hanging out there will get wrecked or lose their investments just like the SPAC idiots, crypto shit coin players, and/or exotic investments. If you're going to burn your fucking money on a stupid random YOLO then [buy some Ukrainian bonds](https://www.tradingview.com/symbols/TVC-UA01Y/) because at least then you can say you're sticking it to Putin and being a humanitarian.

zxc123zxc123

I think it's find to own most of the hardware makers or "shovels" type in a commodity boom as long as the investor understands the name of the game isn't really the "long-term" or "hold forever" investing but a trade or short-term investment until the bubble pops. There is no saying that NVDA will end up like INTC if and when the AI capx/buildout/bubble ends, but I certainly wouldn't want to be part of that story. I bought INTC during the GFC lows (not the .COM one) and had to wait 10+ years for a good returned (honestly lucked the fuck out too). So I'm not playing that game this time around even if NVDA has CUDA, has diversified into investments, and is lead by Jensen instead of old INTC ~~bums~~ boomers. My AI longs: GOOG/MSFT/VOO

adolescent_cartridge

You already got the lesson most people take a decade to learn so in a weird way you're ahead of the curve. The tax loss harvesting will actually help a lot over the next few years, it's a small silver lining to a giant mess. VOO is fine, set it and forget it. Don't overcomplicate this. Trying to pick individual dividend stocks is just another form of stock picking and you've proven you don't have the temperament for that right now. A broad market fund will pay dividends anyway without you having to guess which company is the next big thing. The real trick is automating the contributions so you never see the money and never get the itch to "trade" with it. Delete the apps off your phone if you have to. Check it twice a year.

barbpatch

What y'all got in the Roth VOO, VGT, HOOY and GOOW. My divvie payers are hurting but the Hood yieldmax I have a feeling is gonna keep trucking for a long time.

Sensitive-Exam649

dividned investing doesn't require a lot of captial to get started. Everyone just makes regular monthly deposits into the funds they want to invest in. For growth investing 401K or Roth accounts are great for grwoth. with VOO and VXUS or you could gowth with just VT. You don't what to invest in growth and then sell the growth toff in a taxable account and then reinvest inn dividneds. Because you will pay a lot in taxes when you'll the growth that is why many use 401K or Roth because the is no tax from selling in these account. Butyou cannot withdrawal money until age 60. In addition to starting the above you Need to exablish 6 most emergency cash reserve HYSA will work fine. But a money market fund in a taxable brokerage account will also work. If you cash reserve exceeds 6 months you should invest excess money Anything more the 6 month will do better if it is invested. You can deposit that money in a Roth to avoid taxes or you could invest it in the taxable brokerage Now many use gowth index funds in the taxable as simply an asset you can sell if you need more than 6 moths of cash. I howeverI prefer investing the excess in dividned funds. The cas emergency fund is great but it is limited to 6 months. If you are unemployed for more than 6 months that is a problem. SPIQ or QQQI are good sdidivndd funds o add. invest the dividned and add more money whenever you can Both have a high yield and are tax efficient. Oryou can turn off dividned reinvestment so that the money goes into your money market cash emergency fund. So the dividends help maintain your cash emergency fund and you can reinvest excess cash into the dividned fund. One time you will gradually build up emergency dividend fund that can replace or supplement your cash emergency fund. Ther is no limit as to how much cash you can get from the cash emergency fund.

citiclosethrowaway

Stop trading the rollercoaster and just hold. It's really not difficult to make money in this environment, especially considering the massive CAPEX AI buildout. Even VOO is still up 11% YTD despite the macro factors....

Dazzling-Cheetah5951

That can drop too, though, with this regard fiddling around in a tinderbox for 6 months in an unwinnable war that has oil at ATH's, plus tariffs, plus other boneheaded policies that have put the economy on the brink. Only thing keeping the whole market ETF's up is manipulation and corruption. He thinks he's smart with the smoke and mirrors, but everyone who is paying attention sees what they're doing. K-market is an understatement. If VOO crashes with 70% of tickers already in bear-market mode, we'll see. And this is without any macro-turmoil events going on, btw, like the flash-crash-causing stuff. Relatively smooth waters while this is happening, all self-induced.

elevator13

I got a hot insider tip about VOO, up 12% since last year

linaisinhell

yes my cutie pie. I mostly invest in ETFs, i recommend VOO (S&P 500). there's also a cheaper version but i forget the ticker symbol, you can look it up. if you want to play it safe you can invest in mutual funds like VTSAX (VTI for etf ticker), which average at about 9-11% annual returns. and you need to know when a good time to buy is (you'll want to buy at an all time low). i recommend going to [stockcharts.com](http://stockcharts.com) and familiarizing yourself with the data there. it'll show you YTD averages but you will also have to learn a lot about how market averages work. i do short term trades with more volatile stocks like NASDAQ (but my definition of short term is 3-6 weeks). buy at an all-time low, sell at an all-time high. and you can predict those turning points with the data on stockcharts. i don't recommend trading like this if you're not very comfortable with reading the data. it's high risk, high reward. you're better off just investing your money into things like the S&P (which is moderate risk) and mutual funds, this way you'll always be guaranteed at least 10% returns annually. the rest is up to you. if you buy at a good time you can turn that 10% into 15-20%. ykwim?

linaisinhell

a variety of things, i recommend VOO in april (that's usually when it performs really poorly, good time to buy). i do "short-term" (on a 3-6 week basis) trades with QQQ because it's more volatile. and sometimes i'll buy silly little stocks like starbucks if it's a good time to purchase. (but i mostly do etfs tbh)

Rare_Area7953

I got $57k this month from ssdi back pay. I am 60 and forced to retire as an RN. Currently have Roth, IRA and private stock investments. I bought NVDA for $6.00 a share during covid. I should have bought more. I was up to $330k until it all dropped today. My modest home is payed for as are my vehicles. I have a small amount of medical debt. My husband stopped working due to health problems and filling for ssdi. Ibam thinking of putting some of the $57k in a high interest saving account that pays 4.6% interest. If the market drops more I could invest more in VOO or NVDA. What do you all think ? 

Shredded__

Individual stock. NVDA. Held since 2019. Never selling. ETF, prolly VOO, but almost as much in SPMO and QQQM.

Low_Plastic363

You can also buy more VOO.

DelightfullyShadowy

Just pile everything into VOO and stop overthinking the schedule, whatever cadence dodges the most fees is fine.

A10cc

Just buy VOO and do nothing?

neutro_b

I don't think VTI/VOO are wide-range indices anymore. They are totally dominated by the Mag 7 and therefore by AI plays. VT is worldwide so much wider-range, yes, but \*still\* dominated by the big American corps.

Diligent-Olive-3224

'Unrealized gains aren't money' is just wrong. It's money you haven't paid tax on yet, which is the better version. Trimming half of every big winner into VOO in a taxable account hands a chunk to the IRS each time and that drag compounds against you. And 'don't let winner ride' is the opposite of what anyone who actually got rich off one position did.

Accurate-Flow8078

Why don't you just VOO and chill?

KingOfTheBritons96

Please VOO and chill and enjoy your newfound riches, maybe play around with 10%

Different-Row-3353

I have no morals i will literally sell my pedicured feet to put money in VOO

Jabjab345

You would have made more money buying and holding VOO

ThePerfectJourney

yeah put it into VOO wait for 30 years and die 10 years from now and let your wifes second husband have it all

walking_in_the_dark_

Many are waisting what should be the best years of their life watching charts, when most probably would be better off putting money into VOO, index or something.

ThatOneRedditBro

If you can't handle the volatility, I have an answer for you: $VOO

bostoner-bostoner

Now withdraw it all and put 500k in VOO and go after your life…

Round_Context_146

just threw 10k into VOO, lets get this

Icy-Championship726

Stick it all in VOO suckers