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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.
Mentions
Can you buy, please? I just want to load up VOO and VTV at better prices.
Combing a broad based with SOXX or SOXQ is the way to go. Maybe 70% VOO and 30% SOXQ
Not really. Unless I'm reading it wrong, I'm seeing 40% over 3 years from 2023. Underperformed compared to just buying VOO or SP500 equivalent.
I have a 50% VOO, 15 % VXUS, 25% individual stocks, 10% cash
I hold VOO as well already. I’m not 100% sure where the ROTH IRA money is going yet but something along those lines
Is PSY/QQQ a better place to park over VOO?
One thing these articles conveniently fail to mention is what is the approximate % of VOO, VTI they will be. Because if they mention it, the article will be big nothing burger!
Listen i think the same way. I am into both right now. And i tried splitting them both up 50/50. But the thing is when one goes down, so does the other. And when it goes up, so does the other too. But at different rates XEQT vs VOO is the clear comparison. And VOO (currently) has made more profit within the past 1day, 5days, 1month, 3months, 1year, 5years and 10years. So unless you think the USA is going to be collapsing very soon, i think they will be making more money. And keep in mind the US will sacrifice it's future for short term profits.
Compare RSP to VOO performance
Hi All, I am hoping to save to buy a home and afford a surgery. Both huge expenses. 40s, 85k-125k year dep on part time job and bonuses. I do have a savings as well as 32k invested, and diversified. (25% growth inc VOO, QQQ; 25% div QQQI, F, O, and more, 50% in VUSXX and VMFXX. Only $85 a month div. I'm wondering if it's smarter if I get a $100k trailer and losing investment cash. Or keep renting at an absurb 2500 a month. The trailer at least only slightly depreciates now with inflation. Id expect it to resell for $95k in a year based on the others that have sold. It is trailer park with lot rent. With the trailer I'd lose up front money but have 1500 more monthly to invest. Homes here are 6-12% increase a year. Very hard to outpace. Thus far my investment is at 10% but kind of a weird market. My pay is up 45% over last year. What are your thoughts if you were in the situation? Not financial advice.
At 30, I’d keep it boring. In taxable, VTI is usually a great core because it gives you the whole US market and is tax-efficient. VOO is fine too, but holding both doesn’t add much since they overlap heavily. Since your Roth is already 80/20 US/international, you could mirror that with VTI + VXUS in taxable and focus on consistency, low costs, and not tinkering.
I don’t know why OP is worried about a single stock when the whole idea of indices is to invest outside your own domain. No one knows where spacex is headed, it could be the next railroad or it could be another Segway. For OP to even waste energy over this means he 100% needs to VOO and chill for 40 years.
This is what I've been thinking, to reduce exposure to the AI/tech concentration of VOO in general though. Building my own etf with RSP at the core and adding some MAG 8 (minus Tesla) albeit at lower weightings than VOO.
Unfortunately, because of the size of the offering, SpaceX will be added to the S&P 500 in six months to a year. So it's unavoidable to anyone holding SPY/VOO/FXAIX etc, for the long term.
I bought Nvidia because everyone wanted Nvidia, and then when the Crypto coins started taking off I saw, everyone wanted Nvidia. and then AI was starting to happen and everyone wanted Nvidia. so much that an entire country was not allowed to buy the best chips. so I just kept adding to my position. I didn't buy enough to become a millionaire, mind you And as Nvidia succeeded, I had enough conviction in the industry to buy other names like MU and AMD. Not enough to become a millionaire. But enough that it has allowed me to beat VTI and VOO had I bought that instead.
In any case, you're joining me as an active (maybe even activist investor? ). As an active investor, I handpick every investment - I chose to buy SpaceX at Series E. I choose not to buy it at IPO. If you invest in VOO, you forfeit that right.
Theoretically if you do the math you can hold enough S&P 500 ETF, you can short out your exposure to SpaceX directly through their shares. That would probably be require you holding a lot of $VOO/$SPY, though. I haven’t done the math and I’m not sure what % makeup SpaceX would be yet of the index.
What’s your age/ time horizon? If it’s 20+ years I’d go 80/20 VOO/ VXUS. Could go 80/20 VTI/VXUS for more exposure/ safety or just 100% VTI. But if your timeframe is 20+ I’d suggest the more aggressive approach.
I'm of the opinion that 30 is young, and target date funds and bonds have no place in your 30-year retirement portfolio. I used https://www.etfrc.com/funds/overlap.php VOO and VTI are basically almost the same. Overlap: 88% by weight, 497 # of overlapping holdings I argue for replacing the target date fund and bond allocations for some sector ETF like VGT and SMH/SOXX. As you near retirement, you can rebalance tax free towards bonds and a more Boglehead-like portfolio. But while you're in your prime earning years, I think you can stomach the volatility for bigger returns.
Beans, lentils and legumes are essentially VOO, VXUS and VTI.
>Why this matters? Forcing quick inclusion means all passive index and benchmarking strategies will trigger systematic buy to hold to index weights which is something like 4%. Which passive funds track the nasdaq? The big funds that I'm aware of are VTI, VOO and their non-etf equivalents. All of which don't track the nasdaq
I'm weighing between Cash vs. Equity at a very large Private Company I recently received an offer from Stripe (\~$159B valuation) and have the option to take my equity package (\~$80K/year) entirely in cash or as stock. This isn't a traditional 4-year RSU grant with a fixed strike price. Instead, the grant resets to FMV each year. So if the stock is at $65 in Year 1 and $85 in Year 2, my Year 2 grant is priced at $85. I capture year-over-year appreciation, but I have no long-term compounding upside from a single grant. Given this structure, does taking stock over cash still make sense? The way I see it, the stock only beats cash if Stripe continues to meaningfully appreciate each year, and at a $159B valuation, I'm skeptical there's much runway left before a plateau. I don't see them IPO'ing in the near future, but they offer liquidation events twice a year, so I'm not worried about liquidation. What I'm weighing: * Stock upside is capped to annual increments, not long-term compounding * $159B is already a massive valuation for a private company * The conventional wisdom is to take cash and put it in VOO/VTI * But if Stripe does continue to grow, there could be short-term gains Stripe's business varies with transaction volume, so the business's success correlates with market performance.
The only dividend timing I would try is moving IVV to VOO to SPY in Jun, because they're the exact same thing. You're just getting 3x the dividends for passive index investing
As long as my VOO outperforms 99% of you fuckers I'm happy
International diversification is important. People will say that VOO is all you need but I disagree.
VOO has better returns than my port
Also, you can squeeze down this cost if you only hold the minimum required exposure in futures contracts. Something like $90,000 in VOO and ~$35,000 in futures exposure makes the dead cash issue into a smaller slice, something like 40 bps total.
most people recommend diversifying both beyond top 500 large-cap in US, to include med-cap and small-cap in US, as well as buying international (emergent markets). So instead of ETF like VOO or SPY that only tracks S&P, you may want to get VTI or FSKAX that tracks total US market, as well as international market, VXUS or FTIHX. Most people go with cap weight of about 60 US to 40 ex-US, but it depends on whether you are in US or elsewhere (then you may tilt towards home country due to exchange rates) and whether you want to increase US allocation because of personal beliefs. International underperformed S&P (and S&P has been lately dominated by top 7 companies) until about a year or so ago, when international has been outperforming S&P. There are periods when small cap or mid-cap outperform large-cap, and most of the time bottom 450 S&P companies outperform top 50, so over time it will all averages out - stay diversified.
USFR Treasury fund pays about 3.6% BOXX - sells box spreads and pays out ~4.2% (apy) in gains every day. I don't know any 5% guarantees But if you did maybe 80% BOXX and 20% VOO that should average to 5% or even 6%
NVDA has been decoupled from SPY NVDA call holders crying while SPY chugs along VOO and chill > playing NVDA earnings, every day of the week and twice on Sundays
I’ve been taking gains and putting half the gains into VOO each time I sell. The other half I roll into different AI segments like fiber, photonics, broadband, etc to diversify but stay in the ai game
Just roll your IRA into robinhood. Put about half into shit like VOO and day trade the rest.
Then don't Be a nerd like me; max IRA 7.5K into VOO on April 16th each year, and then LARP here
Take SOME profit about 10-20% at a time and put it into good ETF's like VOO.
My entire port is VOO, AAPL, MSFT, ASTS, PLTR, TSLA. Most of my gains are just buying every ASTS dip.
Is there an etf that holds the five companies you listed above in your previous comment? I was mostly holding VOO, FTEC, VGT, SMH, but those companies you listed are only a small percentage of the holdings of the ETFs that im seeing. Cheers
Buffett's advice to individual retail investors has long been 'VOO and chill"
This isn't the best sub to get advice for this, but I plan on doing something similar where I'll sell off some AMZN (currently 75% of my port) into my preferred ETFs once it hits certain milestones. I'm going with primarily growth & momentum - SPMO, VUG, and some VOO, paired with GOOG and AAPL, which I already built a position on. I expect I'll still be 40%+ AMZN for the coming years, but this will diversify me a bit.
>It's not about the 4% float. It's about the valuation. How it works is that once SPCX is added into QQQ, it will use it's market cap (everyone valuing it at 1.8T) ~ 4.5% of the total QQQ. Let me test your understanding. Imagine if SpaceX just released 10 shares (or 0.0...01% of their float). In your view, the managers of QQQ, SPY, VOO, IVV, etf would all have to fight to make it ~3-4% of their fund (roughly the size of Amazon), regardless of the tiny float, simply because theoretical valuation of the other shares is $1.8T? Are you stupid? If it worked how you think it works every company would IPO with an itsy bitsy float and get valued at quadrillions of dollars, lol.
>It's not about the 4% float. It's about the valuation. How it works is that once SPCX is added into QQQ, it will use it's market cap (everyone valuing it at 1.8T) ~ 4.5% of the total QQQ. Let me test your understanding. Imagine if SpaceX just released 1 share. In your view, the managers of QQQ, SPY, VOO, IVV, etf would all have to fight for that one share to make it ~3-4% of their fund (roughly the size of Amazon) simply because the non-available shares are valued at $1.8T? Are you stupid?
lol you coulda just put it all in VOO and did better
Your core holdings ($VOO, $QQQ) are carrying the team right now. If this is truly a 'fun account,' the speculative plays like $OGZPY and $VSNT are just noise. I’d consider if the opportunity cost of holding those losers outweighs the potential for a rebound, especially when $QQQM is sitting right there for better efficiency
Jokes on you, I just buy VOO like a fucking nerd
Well investing in short term isn’t investing. I’ve always invested long and have made big money doing so, granted over 30 years. SpaceX is too risky imo. Not enough financials revealed, and government contracts changing every 4 years isn’t enough for me to pull the trigger here. Take your extra money and invest in VOO, or one of the big 7 tech companies to demonstrate real value and growth.
VOO is DOW, the methodology is antiquated compared to VTI.
Better idea, don’t buy META. Unless you want to give more of your money to billionaire fucks like Mark Zuckerberg. Also, avoid purchasing AMZN, MSFT, GOOGL, AAPL, TSLA, SPCX, OpenAI (includes passive ETFs like VOO, SPY, QQQ since they are now heavily weighted in those companies) unless you want to donate your money to the billionaires so they can SBLOC for mega yachts.
I day traded VOO today and made $170 in 2 min Life is good
The whole post is about index rule changes and you're talking about 'market representation'. Missing the point. Flows matter. I don't want to be free liquidity for musk because I bought an index fund with specific KNOWN, COMMUNICATED rules 10 years ago. This is one step where VOO gets closer to becoming the DOW, an 'aggregate' ticker that you don't hear much about any more for obvious reasons. You're point about the index inclusion percentage is not how markets work.
Even if SpaceX lose half of their value, it will be a mere noise in VOO and VTI.
My 16 yr old wants to get into stocks and told me to put $200 in PLTR and $200 in INTC. Idk if I should talk him out of it and put VOO instead or let it roll. He’s up $40 in XOM since earlier this year (put in before Iran war) so maybe he knows more than me
I suggest you sell your SPY and buy and hold VOO. VOO is the same thing technically, but with lower expense fees.
For sure! With individual tickers I try to stick to my personal experiences good or bad rather than put recommendations out there. I waited for F forever after the post-bankruptcy recovery, for example, and learned the hard way the industry is pretty stale and not worth it over VOO, etc.
$10M should be in VOO, that is super conservative already. You can just keep borrowing against that money and keep seeing your capital increasing.
Thinking about putting $100k into VOO and just chilling. This day trade stuff is stressful af and not sleeping very well lately. That said, will likely be back day trading tomorrow
Hi guys, I want some help in choosing good ETFs/stocks for investment. I was considering VOO and QQQM, but they are not that great. It's kind of safe I guess, but return is pretty small. I think AI oriented ETF is going to perform better for the next couple of years. What do you think about CHAT? Is it good enough to invest ~40% of my portfolio? Probably I am still going to invest around 40% on VOO and QQQM (20% each) and remaining 20% in Nvidia, TSM, Google, Apple, etc. What do you think, how shall I split my money? What's best portfolio in your opinion? Any suggestions will be much appreciated!
VOO would also consider it 0.3% of US market cap. The valuation is float adjusted and SpaceX is only floating 5% of shares, so basically the valuation is 5% of their total valuation. But the S&P500 also has a wait period for inclusion, so it's won't be included at all initially.
Just buy VOO and chill for 30 years like a nerd aka /r/dividend freak
How about VOO? Will SPCX be part of the SP500 immediately? Or just Q?
I know an accredited investor who has multiple 7figs. They don't have allocations to those either outside of their VOO/SSO/GOOG/BAC/MSFT shares. Easiest way to get exposure is via GOOG/BAC (SpaceX), MSFT/AMZN/NVDA/9984 (OpenAI), and CRM/ZM (Anthropic). Then if you own VOO/SSO/UPRO or QQQs which owns many of these companies then you'll have some indirect exposure to these companies by proxy as well. Alternatively there are a few etfs that let you get exposure by proxy too.
Some people asked me what I’m buying in DMs. I told them. They sold for a loss. if they held just a little longer they would have gotten 60%. My best advice to you is to learn the basics and invest in growth. Or VOO and chill and keep adding to it. Small gains and steady gains. Options aren’t for everyone. Huge psychological game.
Put money in SPY, VOO, QQQ, and/or VTI and check back in a decade. I rarely invest in individual stocks. I will day trade options but that takes time to learn and very risky, so I only use a small portion of my money for that. Even as an Econ PhD, options are very tricky.
This is exactly why i keep almost everything in VOO and dividend stocks. It takes the pressure off. my main money just works an honest second job in the background while i do my part-time marketing work. If i miss a 100% runner on my swing trade, it stings, but i don't revenge trade because i know my actual wealth is still safely building in the background.
21M. I max out my Roth IRA each year with 85%Voo 10%VXUS and 5%BND. I have an emergency savings in a HYSA. No debt or car payment only fix payments are car insurance and gas plus groceries. I want to save for a house someday let’s say 10 years from now. I want to invest that money in a brokerage instead of just in a HYSA. I’m going to do 70% VOO and 20% QQQM. What should I do with the other 10%? I want to keep it us stock market only.
lots of BS on these subs. be careful, doesn’t take much to blow your gains. if money is tight, I’d just go with safe bets like the S&P or VOO. I’m older, so I need to be a bit more aggressive, but I’ve taken some hits following hype
If you want to invest, just do that. Like someone else said, go with an ETF like VT, VTI, VOO, whatever if you’re not confident picking out stocks. Most people suck at it, and those that don’t are often just lucky. If you mean you’re trying to time the market like OP with stocks, there’s nothing to understand. The market is a casino as they say. But long term it tends to rise.
eh, i’m not much into options these days. lightly swing trading the s/p with shares but, i’m all in VOO/VXUS/IWM looking back i see i was tossing 10/20k on 0dte options. man it’s embarrassing to even look at lol
If all you want to do it letting it grow then put it in something like VOO. If you're interested in doing trading (day, swing, options...) then I'd say put it in something like VOO and do some paper trading on various different strategies until you're somewhat comfortable.
Just buy ETF then. It’s smart money investment and will bring you good return over the year. Invest in SPY, VOO etc.
I didn’t speak about lockup at all, just seasoning requirements for inclusion in the SP500, which is the index VOO tracks.
Just dump money into the S&P like VOO or something similar.
Dude. You're 23. Still early in this game. Start with what you have in VOO. Then contribute monthly with what you have and see it grow.
VOO is a common suggestion and a good place to start. Especially with 1k as a seed investment.
If you are a passive investor, buying VOO is not a bad idea
Just use VOO for your retirement account and SPY or SPX for your gambling account
3x lower expense ratio. VOO is the lowest expense ratio ETF afaik
Honestly if you have to ask then all in VOO
[List of S&P 500 companies](https://en.wikipedia.org/wiki/List_of_S%26P_500_companies) is a list of the companies in the S&P 500. So, one approach might be, to study that list, and sell the companies that are in that index, and replace them with an equivalent fund that tracks the index. **Every Fund House has an S&P 500 tracker**; you don't have to restrict yourself to VOO. If there are any companies you's still own, look at S&P 400, S&P 600, etc. Or Google "what indexes contain_____?" Pretty straightforward, actually...
VOO mooning everyday while BTC is still under 80k 🤣🤣🤣
since you have a strict 6 year timeline to start the business, i definitely wouldn't gamble your capital on individual stocks. i keep almost all my money in safe stuff like VOO and dividend stocks so it just works an honest second job in the background, and only risk 5-10% on actual trading. your 75% spaxx / 25% voo idea is smart.
VOO won’t buy SpaceX until it’s traded for at least a year and is profitable over the last four quarters
Nice. If I were you I'd put 300k aside and use it exclusively to sell cash secured puts on VOO. Then, when you eventually get assigned, just VOO and chill. That's your retirement money. You don't wanna be one of those guys that makes a killing during a hot streak, thinks he's a genius, then loses it all. Ask me how I know this.
Like I said I just started a couple days ago but I heard VTI or VOO for long term in Roth is the way to go so I picked VTI and I’m just gonna keep putting money into it then the individual I’m just investing little bits into stocks
I didn't even need to read the whole thing to figure out it was AI. Comparing VOO to RSP is like comparing SCHD to VTI. They're different instruments for different investing strategies. Nobody is investing in RSP trying to beat SPY.
TSLA is already \~1.8% of VOO. No idea why you’d want more of that trash company.
Invest in only VOO continuously and never sell
For a stupid person who buys VOO and looks at this sub for memes, can you explain this in layman’s terms?
Find a thesis. Do your research. Study what makes a good solid successful company. Weigh the pros and cons. Find leading companies with large financial moats. Figure out your risk tolerance. Track major cultural / business / financial movements in the world and plan accordingly. Look into corresponding companies that help support those movements. And keep in mind human psychology / behaviors / patterns. Then invest. And if you don’t want to do that then I’d opt for VOO, QQQ, and those other ETFs that are guaranteed to make you money. But you’re young, so you can take the calculated risk if you want to.
No one quotes the SP500 in terms of VOO. I just DCA with the SPY like a gentleman
First off, The Invesco S&P 500 Equal Weight ETF didn't exist until April 2003. If you are using RSP data back to 2001, then you're either using back-tested, hypothetical index data or completely making up the numbers for the critical dot-com crash era. Back-tested data often suffers from survivorship bias (ignoring companies that went bankrupt and were removed from the index), which artificially inflates historical performance. > found "six distinct periods... In five of those six, RSP outperformed." In the world of statistical analysis and quantitative finance, a sample size of six is virtually meaningless. You cannot confidently alter a long-term investment strategy based on six historical data points, especially when those points are highly clustered around a few specific macroeconomic events (the Dot-Com crash, the Global Financial Crisis, and the 2021 post-COVID tech bubble). > “The lone exception was right before COVID, which was its own kind of black swan that scrambled everything.” This is a classic confirmation bias red flag. You cannot build a thesis on "this indicator always predicts X," and then when it doesn't, dismiss the failure as a fluke. Black swans, market regime shifts, and unexpected macro events happen constantly. The core of you "sell cap-weighted" argument rests on Q1 2026 earnings for top 10 Megacaps, where growth slowed from 22.4% to 11.2% and the median S&P 500 Company where growth rose from 4.1% to 7.8%. You call this an "earnings convergence." But look at the actual number: 11.2% is still significantly higher than 7.8%. The mega-caps are still outgrowing the average company by a wide margin, despite being massive. More importantly, you are comparing growth rates, not valuations. If Microsoft or NVIDIA grow at 11% with a 35% profit margin, they are generating vastly more absolute wealth than a median utility or manufacturing company growing at 7% with a 6% margin. Then you invoke Cisco in 2000 as a warning that great businesses can still experience massive stock crashes. While true in theory, the valuation math today is completely different. In 2000, Cisco traded at a peak Price-to-Earnings (P/E) ratio of over 130x whereas today's mega-caps (with a few exceptions) trade at far more reasonable P/E ratios, usually between 25x and 40x, backed by billions in literal cash and share buybacks. Comparing today's tech giants to 2000 Cisco because of a single return-spread metric ignores the underlying fundamental valuations. Finally, you casually mention shifting 20% of your equity allocation from VOO into RSP and IVOO. If this is a taxable brokerage account, selling 20% of their portfolio after a multi-year bull market means you just triggered a massive capital gains tax bill. You will have to pay 15% to 20% in taxes on those gains today, meaning RSP doesn't just have to beat SPX, it has to beat SPX by enough to make up for the chunk of money you lost to the IRS on day one. Congrats, you fell into the trap of over-fitting historical data. You treated a tiny sample size of back-tested data as a crystal ball while ignoring the tax implications and fundamental valuation differences of the modern market.
Keep this dumpster fire out of my VOO
Sold all of my stock positions in my ROTH IRA and went 60% VOO and 40% QQQ. I have reached enlightenment.
We did because we could, zero regrets. Typically the max gift amounts from my SO and I to an UTMA, where we largely had it in either a VOO equivalent as well as QQQ/QQQM in the last decade or so. We were never going to qualify for need-based college aid. When the kids were in high school and working their earned income went into a Roth IRA (same type allocations). Also used 529s. Two of the kids went to colleges where one was fully funded, the other with significant grants, so their 529s have remained largely intact. The third went to a private university and exhausted the 529 in 2 1/2 years (college can be expensive). We're a heavy 'education first' family without reservation, and that's probably reflected in the kids' professional directions, and while maximizing future income wasn't ever a priority we instilled to the kids, sometimes it just works out that way. One kid works in tech and the other two will be in top 5 law schools. I've very sensitive to attributing things to cause and effect, but one thing I was vocal to them about when they were growing up was be aware and knowledgeable about how they use 'their' money (in an UTMA after all, it IS their money), and it seems they've actually probably done better overall than I ever did (I'm pretty good at it now as an older adult).
This actually makes me rethink my own setup. i hold VOO for safety, but seeing that the top 10 names are decelerating while the median is catching up makes a lot of sense. 13.8% is a massive gap. definitely going to look into splitting some of my index allocation into RSP just to actually stay diversified
Most people could care less about flexing.. VOO is up like 75% over the last year … so many way you could have made money ..
VTI, VOO, RKLB, NVDA, AMD, NBIS, UMC, ASTS, SIVR. Up 74% in the last 6 months. No options.
VOO & SPY are literally the same thing. So you better dump it all into one and smartest is the one with the lowest expense ratio which from the top of my head is SPY but I'm not 100% sure. Besides that you do you mate looks fine. Some people will say why r u buying apple it's overlap it's already in the S&P 500 but I personally do the same thing with some companies. Not apple specifically though since out of all the MAG7 companies they're showing the least amount of revenue growth and a fairly high P/E ratio. MSFT or NVDA is the better bet in my opinion, depends on your world view though. I buy based in what I see and I don't specifically see more and more people buying an iphone I see more and more people stepping away from it. I see people eating McDonalds even though it's slop so I buy some extra McDonalds stocks, everyone around me smokes so I buy some British American tobacco and Altria. But then again you gotta find your own twist in how you can invest with the most peace of mind.