Reddit Posts
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
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%+)?
Mentions
100%. I am a US citizen living in the EU, and due to tax and accessibility constraints, I am basically limited to single stocks, so I have a basket that I hope will mimic something like VGT or VOO.
37% VXUS or equiv Think about your bond tent in terms of years you want covered in your earliest years of retirement/withdrawal imo, not in %-of-portfolio. If your bond or bond fund matures in 6.7 years, then buy most-of-a-year's-worth-of-spending-and-expenses of that fund sometime around 6.7 years before your target retirement. Set it up to be monthly or quarterly for however many years of insurance you want. You'll probably be fine having 80% of each year (that is 80% of your "leanest" year + med) covered by safety like a bond tent, and take small losses on selling your VOO or whatever if it's down for an extended time in early retirement to cover the rest. After funding it for 1 to 3 years, then thin the tent out as you accept that you probably took losses unless you got "lucky" with a bad market that extended perfectly during what would have been your mostly costly time to lose your principle.
Yeah close it all and put it into VOO. The tax man is going to get much more than a pound of flesh out of this.
Bought VOO for the first time ever last week. Trying to be less retarded. It’s been down since I bought. Motherfucker.
I agree mr kirk, i cant even put more into this yearly, I was thinking SCHD VXUS and VOO as my 3
If VOO were a commenter
\> . You said SP500 is a measurably better fund because since VTs inception it has doubled. No I did not. You seem completely confused here. \> That claim doesn’t hold if you normalize for the time period - you’re ignoring the Japan run of the 80s for instance. I did not mention this, but since you did, it would again be idiotic to include Japan in the 80s in any comparison to decide investments now. Soviet communism is gone. China not only has a stock market now but is the second largest market in the world. It would be idiotic to make a comparison to such a different world. You seem to be grasping at absurdities, like wanting to judge US Steel based on its performance in World War 2. If you want to make a decision between VT and VOO today, then look at things today, and prospects of things going forward. What happened in 1876 or 1976 or anytime before the fall of the Soviet Union and the establishment of the Chinese stock markets should make no difference in your judgement, or at least no more than .000000000001% consideration.
in my view SPMO and QQQM are just better versions of VOO in up years. if voo is doing bad the other will probably be down as well but if it’s up than the other two will be up more and that’s when i’d pull out.
there are a few thing here so let's separate them: - the 5.75% fee is something to avoid. this is a sales commission to whoever sold you these products. - American Funds has some very good investment options, if you can get the lower-fee versions. ignore the haters, they literally don't know what they're saying. if American Growth Fund means AGTHX, it is actually a fantastic fund with a very good long-term history. the fee is high on your version, but the underlying fund is good. you were not sold garbage. - however, you can open your own Roth IRA and buy the ETF equivalent CGGO without the sales charge, and a lower expense ratio. you could buy GFAFX, the version sold to retail investors without a front-load fee. > said that even with the fee, the funds are getting 7 - 10% returns each year. I checked my roth balance for the first time today, and see I am DOWN almost 11% since I have been contributing. - being down 11% over a short period of time doesn't mean it's a disaster. averages can describe a very long period of time. if an investment averages 14%/year for one decade and 3% a year for the next decade, that means it had an 8.5% average for the entire 20 year period. > Part of my investment strategy is VOO and chill I'm old enough to remember when the S&P 500 went flat for 12 years 2000 to 2012, and small cap US, bonds and international stocks stomped the S&P 500. so "VOO and chill" makes my skin crawl, and I recommend small cap and international diversification of some type in addition to VOO.
Buy VOO and forget about it until you retire
There’s nothing wrong with VOO and chill. If you want VT instead then diversify out into that but don’t trigger a taxable event doing so. Frankly you’re over analyzing it. As long as the US is where people want to live, innovate, and start businesses (it still is) then everything is gonna be fine.
Please act like you have a brain. Obviously you can’t DCA if you don’t have income. If you are near/at retirement age and have no income you need cash/liquid-low-risk reserves to draw from during downturns. If you are retirement age you need 3-5 years of expenses set aside to buffer so you don’t draw from principle during recessions. 2 fund portfolio. 90% VOO/VTI and 10% cash (or whatever cash amount gets you 3-5 years expenses). It is that easy and simple to account for downturns with no income.
I understand the idea, but SPMO, QQQM and VOO are basically the same stocks in 3 different buckets. and those are 3 ETFs that performed well in the past, but they may not perform well in the future. something like IJR, small cap US stocks, might beat all 3 of those over the next 30 years. we simply can't predict the future that far out. we can make educated guesses about the next 10-15 years, but beyond that is completely unknown. the thing about VOO/VXUS isn't that it's necessarily the best performing option. the problem is nobody knows what will perform best over the long-term. the reason people use VOO/VXUS is to get average market returns at very low cost, and avoid 'tinkering' with the portfolio. there's research showing savings or contribution rate is the most critical part of investing success, and making too many changes or adjustments can be a problem.
If you want a simulation of how it is to be a realtor; have a $500k+ port put into VOO/QQQ shares Do nothing for a few days, make 3% ($15k). Just like a realtor lmao 🤌🏾
Ok, so why so many words in the rest of your post? If the S&P itself crashes, VOO likely crashes, and thus VT likely crashes in a substantially similar manner....so why was the original post your responded to "generic and terrible" advice? You're still basically saying the same thing.
Using a VT proxy (global index) until its creation, and then comparing it to the SP500. If someone invested $250/mo and reinvested dividends. The VT portfolio would be $351,000 while the VOO portfolio would be $511,000. VOO beats VT in chill in every long term environment regardless of any economic downturn.
Why VT vs VOO? Wouldn’t you prefer VGLT or something to hedge a crash?
The VT to VOO correlation is so high that this is basically irrelevant. If the US economy "crashes", which you have no idea if it will, it will bring all markets down with it. Any big index fund is going to be basically the same unless we're taking very specifically allocated index funds.
You’re not learning the lesson. Stop worrying about that position. Setup a weekly auto buy of VOO for whatever you can afford. Sell only when you have something urgent to pay for. You’re already talking about selling that small position and not talking about what you have to pay for. Auto invest, don’t panic sell. That’s all anyone really needs to know. There are no prizes for % return, only the size of the bag matters. You would have been better off doing 20/week of VOO, the bag would be bigger. Best of luck.
You made some fair points up until the end. VT and VOO have tracked similarly over the long-term and your strategy would've netted fewer returns when back-tested for DCA'ing over the 2000-2013 time frame you gave.
Cash out, buy VOO, and use some for SPY ITM leaps
And once again, buying opportunities for their DCA buys from each paycheck. But my point was that this applies to today’s investors. If they keep buying broad market index funds VOO or VT, and hold from early 30s through to retirement around 65. Rebalancing into bonds/fixed income as they near retirement. They will be fine and make it through the next “Lost Decade”.
I too am in this boat (albeit a bit younger). I often come on here seeking advice as to diversification strategies but man it’s hard either way with all the noise. I’m significantly over exposed to US equities but also feel like international isn’t the better course (maybe this is my lived 2008 experience talking when felt like world was on fire) not terribly interested in more actively managing my portfolio so buying specific asset classes really doesn’t appeal to me. But it also seems counter intuitive to buy VT when I have so much exposure already to SP500. I at one point was doing 50-50 VOO and VT but moved to VOO since VT is weighted to US anyways. So essentially everything I have in one shape or form (retirement and brokerage) is US weighted. I wish I was smart enough to understand how to incorporate treasury in. I just need something that’s slightly better than inflation to keep pushing my cash forward while I wait out the risk in my larger portfolio.
So… what asset classes? How did they do in the lost decade? If you’re suggesting VT instead of VOO, I won’t argue the point. Over the long term they’re so correlated that it’s not a huge difference, and both are safe choices. Real Estate was much worse than VOO during that decade though.
Started DCA VOO beginning of this year and for some reason my return is 0%. Yet I see people saying they are up 12%. How? Am I DCA-ING wrongly?
I think VTI and VOO share like 85% of the same company. I’ve been in VTI just because it’s cheaper than VOO for my 401k.
With all due respect, you have been investing passively - so there is no expertise involved when the market is rising. Take the rough with the smooth (or VOO & chill as the Reddit crowd says) or de-risk into cash or learn how to sleep without worrying.
Real estate. Read Carnegie's quote about it. Stocks are great but I didn't buy a single one until I had my farmland paid off. Even then only about 20% of my portfolio is VOO, about 50% SCHD, and the rest is in SGOV. I am 51, pretty much same situation, but that allotment may not line up with your own risk/reward situation. But to your point, I'd say real estate.
OP, have had this feeling a long time, executed a rotation a few days ago out of VOO and significantly trimmed my RSP. Rotated the money I needed into SGOV as a structural de-risk, VXUS, and (since I'm Canadian) I have a big chunk in XIU and XEQT. I'm also holding a bunch of AVGE but I view this as temporary (huge US tilt that I don't want, covered by my remaining RSP) but it's globally diversified with factor tilts and I'm using it to maintain exposure while I figure out what to do with that chunk of money since it's in USD
Overexposed on S&P500 isn't a thing. There's so many memes about "*VOO & chill* for a reason.
One strategy I took was putting money in EQL rather than SPY or VTI or VOO. My big problem with those three is that they are soooooo overweight tech, just like the S&P 500. Also, appropriate asset allocation for your age.
Actually holding several different ETFs that all represent the same thing is great for tax loss harvesting. I do it. If SPY goes down 10%, sell it for the loss and buy VOO.
To answer the OP's question ("how do you hedge against the worst case scenarios") I'd keep 10% each in T-bills (SGOV) gold (IAU), managed futures (CTA), and international funds (VXUS). Then leave the other 60% in VOO and let it ride out the storms over the long term.
If your only invested in the s&p 500, your best bet is to diversify further. In a big crash almost everything is likely to fall, but some things not as much as others. Even at 50, if your can hold until 65, time itself will help to mitigate losses. I would do your own research on the following: 1. Managed futures (dbmf) 2. Low beta funds (LVHI, USMV) 3. Bond Funds/SGOV/CLO's 4. Gold Funds 5. Value Funds/SCHD (Avantis has an entire series that are rule based, in some situations money flows out of high growth/speculative assets, into "stable" value/ dividend producing assets) In the case of a severe downturn these COULD help to mitigate losses, but ALL will LIKELY come with decreased total returns over the long term, or some loss. If looking historically, i'm fairly sure (almost) all of the options above have underperformed VOO, or have little historical data. Also consider diversifying into an Ex-US fund for some international exposure. The true hedge is time, And any appropriate choice for a secondary hedge would depend on what the cause of the crash was, which we can't know in advance. Do a quick Google search about which assets have historically performed best during crashes, and what the cause of each crash was, so you have a basic understanding of cause and effect. 2008, and 2000 had different market dynamics and causes. Hope this helps.
The blackjack framing in the template always gets me. Nobody actually has blackjack risk tolerance, they have 'VOO is down 12% this quarter so I moved it all to a 5% HYSA' risk tolerance.
Stock picking is getting silly. Institutions are hedging perfectly bidding up defensive sectors. Really can't beat VOO and chill.
This is generic and quite honestly crap advice. The SP500 peaked in 2000 then crashed, and didn't recover until 2007, then just a scant one year later in 2008 crashed again and did not recover until 2013. So 2000-2013 you would have made **zero** profit. I don't know how you lead your life but 13 years is a big chunk of a human's life, especially considering you really only contribute to investing 22-65, which is 43 years. So 13 years of fucking zero returns is almost **a third of your entire investing timeline**, which is abysmal. OP is rightly concerned with US outlook. Regardless of where you stand on the political aisle, you don't need to be a genius to realize our government institutions are rotting and unable to respond to major problems we are facing. TL;DR: It's VT and chill not VOO and chill imo. Even then, a declining US will drag the rest of the world down with it for a long time.
Dollar cost averaging into VOO and QQQ should be your core. Then pick a few individual stocks to hold long term. SpaceX, CrowdStrike, NVIDIA, Goldman Sachs and East West Bancorp are my biggest individual stocks.
AMAT 570 shares @ 530.15 cost basis ASTS 1200 @ 70.86 VOO 76 @ 705.34 DRAM 1800 @ 58.78 Total 2026 unrealized loss -83.5k Total 2026 realized loss -76.5k Total 2013 to 2026 realized loss -145k
If you have strong convictions in nuclear energy I wouldn’t worry about the expense ratio of NUKZ. URA is another to consider. If you are interested in AI/Semiconductors I like both SOXX and AIS. If I were you, I would get rid off QQQM and switch VOO for AVGE wish is an actively managed all world fund. 40% AVGE 40% SPMO 10% AIS 5% NUKZ 5% NASA Just my opinion, either way great job getting started early
Wow dude you must be so smart. How did you know to buy and hold stocks and buy the dip to not lose money???? You should start selling courses on this man. This is a flipping casino, we are here to gamble. Hobble your boomer ass out of here you look like a clown. Nobody wants to get rich in 20 years everyone already buys VOO and chills. This is for people that want to get rich tomorrow.
Check the performance of SSO vs VOO since 2006....
the overlap is sorta what i want tho. we know VOO is safe in the long run. and spmo and qqqm are to me just better VOO. and i can handle any short period crashes. so in the long run those two ETFs will for sure be up.
It sounds like your biggest investment is through your employer. Is that a 401k? Don't neglect that account. I don't know anything about Webull but Fidelity is probably a better choice for a Roth IRA. There is a lot of overlap with VOO and VTI so just choose one of them.
I like the idea of investing in small nuclear, but I don't like the expense ratio of NUKZ or NASA, you also have massive overlap between VOO, QQQM and SPMO. VOO and QQQM have about 86% overlap by VOO and SPMO are about 98%, QQQM are still heavy at about 48%, though that may change a little with the SPMO rebalance in a few days.
I know it doesn't matter in the long term, but I like how my automatic VOO investment triggered 10 minutes before the big drop today, lol.
Whatever you're doing, stop it. VOO and chill
Hello. I'm late getting into the investment game for retirement, and wish I had done it sooner. I am using webull. I've had it for some time, got it a few years ago when they were giving free stocks (fractional) for depositing $50. I made my deposit, got my stocks, I cannot remember how but I also turned it into 100 dollars of crypto, and let it sit. I've since opened a Roth IRA in webull, sold the stocks (only 46ish dollars which is what I had) and put it into the Roth IRA and got VTI. I currently have $20/week (as much as I can afford right now) going in with a reoccurring to get more VTI. I have the DRIP activated for any dividends to get more VTI. I've seen mixed reviews on using WeBull and still very new to learning all of this. I have retirement through my employment, contributing 4% (the max they'll let me do) with them matching 2.5%. I am planning not contact my retirement to get some investments going on that end too. What I'm looking to know is, should I continue with Webull or move it somewhere else? I'd like to liquidate the crypto and get it into my IRA, but I understand this is a taxable event, though I'm not sure what the ramifications are for doing this. From the little research I've done, VTI seems like a solid investment choice, that or VOO, but I understand that VTI holds the same stuff VOO does so it's buying double? I read something about getting some VXUS to get into the international market? I'm not entirely sure what all to invest into. My main goal is to just try and build something to supplement my retirement, not get rich quick. I don't have the knowledge, and most likely the time, definitely not the money to day trade. I appreciate the time and help. 🫡
VOO and chill has made more millionaires than probably anything.
If you didn’t buy the dip you hate money, you should delete your Robinhood account and pay some old guy at fidelity to VOO and chill for you
definitely move it to schwab, that's nuts, how did you even end up with them VOO and chill in the Roth.
If you are from latin america, you sould be looking for SPYL instead of VOO, or for VWRA instead of VT. For long term i am all in on VWRA.
The main issue is overlap, not the number of slots. VOO already contains many of the same mega-cap and AI exposures, so the portfolio may be a concentrated AI factor bet with an index sleeve rather than 12 independent theses. I’d build an exposure map by company, revenue driver, and bottleneck, then cap each shared factor—not just each ticker. For the 12% cash, define a rule in advance: lump sum versus staged deployment should follow horizon, valuation, and tolerance for drawdown, not headlines. Bull/base/bear cases should include an AI-capex slowdown, lower pricing power, and a diversified-market outcome; otherwise the risk budget is understated.
Ah yes. For sure, I agree. US domination of AI, innovation and shareholder capitalism makes it hard to bet against America! I can look at the share prices of my amazing Chinese stocks to see the difference. VT is an option if you want to avoid single country risk - presumably its risk adjusted returns are comparable to VOO
jeffbezosheadset.jpeg me watching the fed speech with my 7 VOO shares
counting slots is hiding the exposure here. nine of your twelve are the same trade wearing different hats, and the VOO core isn't a counterweight either, since its top holdings are the names you're already overweight in slots two through six. so the honest label is a concentrated AI bet with an index sleeve leaning the same way, not twelve high conviction positions. that's a fine thing to own if you mean to own it. worth knowing which one you're doing before the cash goes in.
I know, my point is that VT having a higher dividend than VOO doesn't mean it will outperform VOO. Certainly reinvesting dividends is the smart way to invest, though.
"VOO and chill is uncompensated risk!"
OP asked about VOO vs VT so I think my comment remains correct. If you just want growth (and are willing to take more risk for that growth) buy QQQ, buy robotics, buy quantum, buy vtol, buy drones, buy crypto.
VT, and the reason is not expected return. It is that a global fund gives you a reference point. The standard case for VOO is that US companies earn worldwide so you are diversified anyway, which is true right up until a decade where it is not, and by then you have nothing to compare against to work out whether you are early or simply wrong. The Ireland domiciled point is probably the bigger lever for you than the index choice, given where you are sitting.
I basically just buy companies that have been chopped down that have consistent growth patterns and endless growth potential. For a new investor I would highly not recommend penny stocks. I'd do a portion into ETFs like VOO and then learn more as you get more money on the side. Im also a small business owner. I basically swing trade a few higher risk stocks and put those profits into my long term holds like ELF CELH UPST CAKE and PYPL.
24M, making about $95k/year in the US and looking for some advice on how to position my taxable brokerage account for the long term. Current situation: * Roth IRA + Roth 401(k): \~$35k total, 100% VOO * HYSA: Usually keep around $10k-$15k * Schwab taxable brokerage: \~$23k * About 95% of the brokerage is currently in QQQ * No major debt that is affecting my investment decisions I'm comfortable with risk and market volatility. I don't see myself panic selling during a downturn, and I'm generally looking to invest for the long term. My main concern is that I'm probably too concentrated in QQQ, especially considering my retirement accounts are already 100% VOO. I like the growth exposure of QQQ, but I'm wondering if having almost my entire taxable account in it is taking on unnecessary concentration risk. The one thing making my time horizon a little difficult to define is that I may want to buy a house in the next 3-5 years. That's definitely not set in stone, though, and I don't necessarily consider the entire $23k brokerage account to be my future down payment. If you were in my position, how would you think about diversifying the taxable account? Would you keep some QQQ and start directing new contributions toward something broader like VTI? Add international exposure? Actually sell some QQQ and rebalance now? Or leave the existing position alone and diversify with future contributions? I'm mostly interested in hearing how others would approach the concentration issue and what kind of allocation you would consider for someone my age who is comfortable taking risk.
VOO will outperform over time. QQQ will outperform VOO over time. VT will be less volatile
September be like: VOO is more defensive than SCHD.
10-Year Annualized Return: VOO has returned roughly 15.4% per year, while VT has averaged about 12.5% per year.
Given the overlap between VOO and the individual stocks on your lists, I would either go with “VOO & chill” or stop contributing to VOO and allocate those funds in individual stocks. I do the latter, so I can easily see how much weight I’ve allocated to a position. I limit individual positions to 5% of my portfolio. If you decide to go this route, I would add some of the stocks/sectors that you re planning to drop..
Open a brokerage account. It's just a specialized bank account that allows you to invest the money in it. Then if you don't have an emergency fund (six months expenses), then shove that much into a money fund. Which money fund depends on which brokerage you use. Like SPAXX (Fidelity), SWVXX (Schwab), VMFXX (Vanguard), whatever. The key here is that it's low risk, something like a savings account. Beyond that, you can invest in whatever you want. But if you don't know anything and you're looking to get your feet wet, a broad ETF is probably what you're looking for. Something like VOO (S&P 500), VTI (total US index), VT (total world index). Be aware that you are taking risks with that money -- if the market drops 50% tomorrow, half your money disappears. But long term, markets tend to go up. You should also consider opening a Roth IRA. It's a brokerage account specifically for retirement funds, so you get some tax benefits for putting money in there but there are restrictions to when you can take money out. Also there are income limits, but ways around those income limits, so it's a whole thing.
Honestly, you’re probably best off just buying SPY or VOO! Research it…. Near Infinite amounts of people have proven it’s extremely hard to beat the market long term. That should be the goal…to get the market average or slightly above.
I just desperately hope and pray rebalancing eliminates anything AI related. I made the critical error of buying at the ATH late June and I've been deep in the red ever since. I just want to get close enough to my entry to GTFO and put it all in SCHD and VOO
I mean Jesus CRIEST wtf were you thinking, VOO and chill could’ve returned u 100k from doing nothing.
It’s funny. All you hear is VOO and chill as the market performs above expectation. Then a little volatility and they want to jump in a lifeboat. Sell it all. Sometimes posts like this are part of a campaign to encourage others to sell. To manipulate the market. It’s hard to be chill. But it pays off long term. People like OP feel so good because they did something (if they indeed did sell). But markets move quickly. Once you’re out it’s super easy to miss the upward reversal. Or so easy to see a recovery coming only to get back in and see the market fall again. You missed that little upsides when you were out, which means your aggregate loss is more than the market drop! And likely your money is on the sidelines when the reversal they didn’t anticipate happens. Often it feels like the market encourages people to buy when they should sell and sell when they should buy (it’s easier to see when looked at in the rear view mirror). The best strategy is buy and hold long. Stomaching the volatility is part of that long game. There is still that tug to sell. But you take an Alka Seltzer and live with it. Wealth favors the patient.
Thank you. I am not sure if AI is fully rear view, want to have some concentration on those names. I am not a sophisticated investor though, that’s why sticking to VOO and other big names and avoiding small caps
Before buying a single stock, check what VOO and VHT already own. That “new” $4,000 idea might already be in both ETFs lol, like Rome rebuilding the same forum again.
That's awful, so it's good you realized and asked; now you can get on the right path. Open a Roth IRA at Vanguard or Fidelity and initiate a transfer. After the transfer to Vanguard or Fidelity is complete, sell the American fund within your Vanguard or Fidelity Roth IRA and invest the money however you like (VT + BND or a Target Date Fund). [https://investor.vanguard.com/investor-resources-education/iras/roth-ira-transfers](https://investor.vanguard.com/investor-resources-education/iras/roth-ira-transfers) You're familiar with VOO, and here are a few other funds that are commonly referred to: VTI - Total US stock market VXUS - Total International stock market (excluding US) VT- Total World (VTI and VXUS combined conveniently into one fund) BND - Total Bond, although this designation isn't quite as accurate as the total stock market funds are [https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new\_to\_rbogleheads\_read\_this\_first/](https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new_to_rbogleheads_read_this_first/) I recommending perusing r/Bogleheads regularly.
you do realize you have 56% in plays, 44% in VOO + cash. as others have noted, VOO is itself dominated by plays like yours. the reality is this: none of us has any idea how your angles are going to work out. also, you're staring in the rearview mirror, as if the world unfolding through the windshield is going to resemble that. it is not. in my experience, two kinds of people make high-conviction plays. one kind comprises a select group of sophisticated investors. the other consists of everyone else. which group do you think you are in?
Max out your IRA into VOO then buy whatever else you want.
VOO is already tech heavy, since the entire economy is being carried by AI right now loll. Other than the Bitcoin fund, the rest of your portfolio is basically double dipping the top VOO stocks. Which I suppose you could do if you're super confident in your exposure. But depending on how much your "12%" actually is (12k vs 120k+), I would honestly just chuck it into VOO and forget about it.
In this environment, I have zero confidence on the longer future. What are the odds of five years in a row double digit growth? I mean, if investing is really like this, yeah all in VOO and chill. I take profit, rinse and repeat. Make sure I am full cash before every defining moment, instead of betting another NVDA opportunity, I missed the first one, I don’t think I am that visionary and likely will miss again and again on those life changing opportunities. So, I rather stay patient and believe in compounding. With all that being said, I am 22.3% YTD. 184% three years in. Again, if you started this year with any of the SMH holding, you are light years ahead of me.
the moms at the community pool were super impressed when i was talking about investing and VOO. Just wait until i teach them about 0dtes; they def gonna want me. Right?
This is what I’m struggling with too. All of the AI / tech stuff is already very heavy in VOO so we could just say “VOO and chill” instead, right?
Just buy more VOO, overwhelming majority of people who play the stock market make less than they would have just holding VOO or SPY
Without knowing the dollar amount of your portfolio I’d ask do these small percentage holdings cause any measurable movement to your net worth? I wonder if you’d be best off just deploying the majority of funds towards VOO/VTI and then having a percentage towards an AI/semi/tech fund
I am no expert but I guess 90% of this represents pretty much similar to what VOO already is (except the crypto). Why curate something in which the diversity benefit is almost equivalent to VOO ?
I’ve only been through the Covid crash, some of my friends sold at the bottom due to panic. It was a quick bounce so it really hurt them. From what I’ve seen, it gets really emotionally taxing for people who keep buying and selling. I like the stress free life, so VOO and chill for me. One thing that helps me mentally is that if the VOO were to crash and never recover, that probably means we got a lot bigger problems than the stock market crashing so in that case even hard cash would probably not be great. Gives me some peace of mind
How do I VOO and chill if I’m a gambling addict
houses = money pits a million expenses that everybody conveniently sweeps under the rug. Rent a cheapo apartment and pump every spare penny into VOO or maybe GOOG if you're like me
Ça se voit partout et c'est dur à regarder, surtout chez les plus jeunes qui ont encore le temps de leur côté. Le seul truc qui marche vraiment pour les convaincre, c'est pas un discours sur la retraite à 65 ans, c'est de leur montrer l'écart sur 10 ans entre 100 par mois dans un ETF type VOO et le paiement de la voiture. Après ça reste leur décision, on peut pas sauver tout le monde.
i invested into VOO, VFVA, QQQ, SCHD, VXUS, and VTI and for my roth ira, i only invested into VOO, SCHD, VTI and QQQ
Read Warren Buffett or Charlie Munger or John Bogle (Vanguard founder)'s writings. Since you are invested in VOO, just keep on DCA and come back to it when you are 50 years old.
Honestly, I've been active and trading for 20 years, and I'd have more money if I had just bought VOO And chilled with all of my portfolio. These days 50/40/10 VOO/VXUS/GDE
Not a huge difference. If you have current gain in VOO, don’t sell, just keep, and allocate future dollars to VTI. Spice it up and get some VXUS too, or just do one fund like VT.
You think it would be better to DCA into VTI rather than VOO?
Since I already have a lot of my portfolio in VOO, do you think its really that important to invest in VTI? I assume the benefit of VTI is more diversification, but I feel like VOO and the other ETFs I have already give me pretty good diversification already. What do you think?
The only way out are 0dte options. Ask your grandparents to give you their inheritance early and gamble away. Once you blew through that ask your parents for their 401k. After that realize that for most people (98%) a simple S&P 500 ETF like VOO is best.
The point is insurance not extra return. Layoffs and drawdowns often show up together so 24 months in a brokerage can still force a sale at a bad time. I keep a cash buffer outside the market and only put the rest to work. Recurring buy on moomoo is the investable slice keeps going without me raiding the emergency pile. A HySA lagging VOO in a bull market is the premium you are not a seller in a 40 percent year.
Yes, Lifecycle investing is a very well known book. I agree with the concept very much so. If an 75 year old needs less market exposure, a 25 year old can, and perhaps should take on more. It's very difficult early on in ones career to get enough money in the market to get the ball rolling. While no one knows what the future holds, I'd be willing to bet that VOO/SSO 50/50 will outperform VOO over a 30 year horizon. And, if you have frequent DCA, you can actually harness volatility better. The theory is very sound. I think the challenge for someone young, is they are often trying to: Pay off student loans, save for a house down payment, perhaps save up for a wedding, hit the company match on their 401K. But, if you can scrap up some money AFTER all those things, I see no reason NOT to do SSO vs VOO (or some combo of the two) assuming a genuinely long time horizon.
401k plans usually only offer mutual funds, no ETFs. Many famous ETFs you know, like VOO, are just copies of a mutual fund equivalent.