VOO

boringreddituserid

> If he didn't do his due diligence, VOO is just as much of a gamble as every other holding he has. VOO would be a gamble if OP was investing cash that he/she needed to access in a short term. Otherwise, for long term investors, especially novice investors, it’s hard to go wrong with broad market ETFs. And there really isn’t any due diligence required to amass a fortune with VTI and chill.

Indra_Sx

Most of us are better off just buying $VOO.

MarlonMcCree20

So if it's something you believe in, it's investing. If it's something you don't believe in, it's gambling. "when you don’t know what you are doing and haven’t done any due diligence, is essentially gambling." My argument is that shouldn't be tied to only individual stocks, leveraged etfs, or crypto. If he didn't do his due diligence, VOO is just as much of a gamble as every other holding he has.

Sufficient_Mud_3179

Seeing that none of they companies are part of most people investing as most hold ETFs like VOO or mutual funds . Why does this matter to the stock market ?

MarlonMcCree20

This is a great start, but closely monitor it because that''s how you learn and I'd be willing to bet your portfolio will look completely different in years time. Keep monitoring, and keep doing research. This sub will hate crypto and individual stocks. But if that's what you believe in, you do you. My portfolio started off in a similar way back when I first started. Had a few big names in there like Google, Apple, and Microsoft. I was high on certain sectors and invested in other individual stocks. Had a little crypto and VOO. Now it's completely different. I have about 90% in 3 ETFS, 5% in stocks/etfs I yolod during Covid that I got at historical lows, and 5% in stocks I'm gambling on for fun with minimal research.

Used_Rhubarb_9265

Pretty solid for a 19 year old honestly. Big tech picks are reliable long term and VOO is always a good call. I'd maybe go heavier on VOO and lighter on crypto but that's just personal preference. XRP is kinda risky so just be aware of that. Also Webull is a brokerage app not really an investment lol so double check what that actually is in your portfolio. Overall you're already ahead of most people your age just by doing this so good job

caltheham

So many people here are way too quick with the “hurrr durr advisors are bad stick it in VOO” but the OP said they are 45 mostly in cash and asking for advice on if a basics 70/30 split makes sense. Yes 1.5% is high for fees, but I’d way rather pay 1.5% and generate risk efficient returns rather than lose money due to inflation. People hire advisors for a reason and if you have been sitting largely in cash for the last few years or wouldn’t know the basics of how to allocate your specific accounts across stocks and bonds then you should absolutely pay someone to do it for you because you’re just hurting yourself due to a fear of paying fees. I can change my tire. Anything more involved under the hood and I will hire a mechanic because I don’t want to make a more expensive mistake. The same should be true for our health and our wealth, these are not things we should try to do on our own if we are clueless

National_Road_2309

Gambling??? The crypto ok but msft, amzn, google is gambling to you??? Some of the highest holdings in VOO itself ? 🤣 huh

nincompoop221

your advantage over most investors is *time*, and you need to take advantage of that to truly accrue wealth over decades. put your money in places that have a strong track record of year-after-year growth. it's boring, but i recommend a vast majority of your portfolio going to VOO, which happens to already hold amazon, microsoft, nvidia, and google in itself. if you want a semiconductor as well, add something like SOXX or XSD as well, both of which hold plenty of TSM. as for webull and crypto, who the hell knows how they're going to perform. they're not a sound long-term strategy.

Liquidpayn

Many such candidates for lifelong VOO holders! Great option for you before you never make money again! Given that you still think you’re a genius with your bet, I know this will be a tough reality to acknowledge

Grainger407

No no. He’s got a single share of VOO. The REST is gambling. My advice. Just hold what stocks you have and moving forward invest in ETFs and put money in a 401k and Roth IRA.

Technical_Guidance10

i lost two dollars playing FOMC i officially will be putting all of my money into VOO and chilling trading isnt for me

stonksf

VOO and chill fuck this scam market

Snyptart

If you’re just starting investing, keep it simple: - Buy and hold. Don’t day trade. - Only invest money you won’t need soon. - Time in the market is better than timing the market. - Don’t buy things you don’t understand. (Options, risky stocks, etc) Honestly, the easiest way to start is just auto-investing into something like VOO (tracks the S&P 500). It gives you exposure to 500 companies in one purchase. At the beginning, you don’t need to overthink it: - Just invest consistently (weekly/monthly) - Ignore short-term ups and downs - Don’t panic sell You might be down your first year, that’s normal. Starting early matters way more than being perfect. Investing isn’t a get-rich-quick thing. It’s a slow, reliable way to build wealth if you stay consistent. Good luck! Congrats on starting.

Emilio___Molestevez

from mid-October to January was 10 fucking weeks of growth stocks getting cut in half and then half again while the index stayed pinned so smug fucking bogleheads could come in here all "WHAT'S WRONG GAMBLER MY FRACTIONAL $VOO IS ONLY -1.2%" I will not enjoy suffering through that again

mojolakota

Yup. I bought VOO and VTI when it was at ATH . However, I don’t want to miss 10x on individual stock because I missed the initial 5x

TheHyperboley

But it's not that simple, SEGG is a meme stock, but I made +60% off it this week It's not about playing smart, it's about leveraging risk, most people who make big money here do not make "smart" trades, they make risky ones that end up working out, and cutting trades before they turn out too badly. If you want to be smart, DCA into SPY and VOO for 50 years.

thebrokebroker82

Hookers and blow my friend. Hookers and blow. But for a serious response, keep working, throw that money into VOO, forget you have it, and keep throwing $100-$500 every week in there until you retire. Your future self will love you.

vertigo88

It cost you what you would have gained from buying VOO?

WisconsinNumismatist

Pull out a calculator. What is your ROI on those 5 years versus putting that money into VTI or VOO?

Iceman_B

VOO?

ASAP_Jeffrey

Didn't have the balls to risk May paycheck on calls today, decided to buy VOO instead, am i getting soft?

rodentmaster

VTI was doing so poorly it was below the S&P for the last 2 years in a 10-year backtesting against S$P. VOO matched the S&P. I had VTI for a long time but after accepting it's an underperformer in the long run I dumped it all for a slightly better (aka a WAY better) ETF. I even stopped suggesting VOO/VTI to people, and will suggest SPMO/VGT (80/20) from now on until I find a better suggestion. I dumped all my VTI this past week because of this. Reinvested, and hardly any capital gains tax to worry about because after 5 years it had barely any real profit to worry about.

Virel_360

After I do two chicks at the same time, I would probably invest it in VOO and let it ride for the next 20 to 30 years.

Swampybumh0le

I was clean for a week. 100% in VOO. Relapsed a few weeks ago with 0DTE. I’ll never quit. I love this stuff.

munkeymoney

Good picks! Adobe could be a good dip buy. Tesla is a good robotics play and will feed off of the SpaceX IPO. All of these stocks are in the S&P 500 so you could just buy VOO or VUG if you want to go the safe route.

kwijibokwijibo

VOO and chill Definitely do not do that

PuppiesAndPixels

VOO and chill

merckx3697

I’ve decided to just VOO and chill the rest of my life

MeineGoethe

VT or VTI + VXUS. If you plan to only hold in Fidelity and a non tax account then you can use their 0 fee mutual funds FZROX + FZILX. If you only hold VOO then you’ll miss small/mid cap and international. I personally just hold VT because it’s a simple and covers everything.

playstationjeans

Thank you. Started with VOO for about 3 months. Bought every single dip. Then I started getting into individual stocks, so I sold VOO and bought the top 20 of the S&P500. Same thing, bought dips. Sold at their highs last December. Started reading heavily into the buildout of AI datacenters, and memory kept popping up in almost everything I was reading about. Grabbed Micron, Sandisk. I held way more micron over Sandisk. Because HBM memory was the original thesis. Ended up selling Sandisk to create the portfolio I have today, which is pretty much every important piece to the AI datacenter, like GEV, vertiv, bloom, lite, cohr, ter, and so on.

procheeseburger

Keep 6 months worth of expenses in your savings and put the rest is a ETF. In the states we have $VOO but I'm not sure what's available where you are (maybe $VOO). You can look at what companies are in the fund and also look at how the fund is managed / what its goal is. People will have different opinions but this is what works for me. I'm 30 years from retirement and if I never added another dime I'll still be set for retirement.

ChokaMoka1

VOO and chill 

IntolerantModerate

This is way too complicated and is how you get screwed. 1.Self mange your money. 2. If you want a 70/30 split, do so, but know that is conservative for you age unless you are wanting cash flow from the bonds. 3. Keep it simple. For equities maybe 2-4 funds. VOO, VTI, and maybe a European fund or a China/Asia fund. 4. For bonds, also keep it simple. Some basic muni or corporate bond fund should be it..once again maybe just 2 at most.

barbpatch

For an ETF with heavy tech exposure try VGT(Vanguard Growth Technology etf) it's a bit more risk than VOO but gains have outpaced the S&P so far. VOO is fantastic too. People also love Berkshire Hathaway because it tends to hold steady when the rest of the market tanks, keeping you from losing too much at once.

Emotional-Power-7242

VOO with dividends reinvested has annualized 13.9%/year over the last 15 years. So congratulations you slightly underperformed the market. Hopefully your fees were somehow as low as VOO's but I doubt it.

rsandstrom

Start with VOO for stocks. Any cash should be in SGOV. If you want a bit more risk on the cash/FI side you can look at high grade or BB (highest quality high yield rating bonds) that give you diversification, liquidity, and a bit more yield than SGOV. Do this on any brokerage account that you control. Forgot this Fidelity crap.

ameis314

Any better options than VOO and SPY?

ameis314

Any better options than VOO and SPY?

ameis314

Any better options than VOO and SPY?

Accomplished-Yam-100

You can do this yourself. They will get a nice bonus check every end of August for $140k if they make their quota. Now you have a CFP and RM involved so they are tag teaming you to get into fidelity funds then introduce annuities later on for bigger sales goals to hit. Investing is very simple. I just VOO it until I die really. Maybe a few thousand risky plays or stock. But they are sharks there don’t be fooled. I trained with them before until I realize these guys are pure salesman and not really helping you. Unless you got 20 million then you don’t need a financial advisor or wealth manager. They eat your lunch with those fund fees.

Saffuran

Just do VTI/VOO, maybe with 10-20% as JEPQ for dividend/income flow to compound on top of itself.

Easik

Wouldn't everyone be selling everything to survive until UBI was in place? And then why invest in VOO if everyone only has enough money to survive?

enfuego138

Ok, so then still 100% VOO because the Mag 7 will drive the entire economy and you’ll benefit from it. Stop being useless.

Legal_Peak9558

This is a HARD NO, 1.5 percent is a big fee. My advice (non financial advice disclaimer) is to pick a few etfs like VOO, and VTI put half in right now and dca the rest. Yes some years it may go down, but by the time you retire all of this should be up by a lot and that’s what matters. Don’t get scammed!

Defiant-Salt3925

That's why I always recommend owning SPY over VOO. Liquidity is King.

mrjones50k

Absolutely not. Run the difference between a 6.5% compounded rate of return vs a 8% compounded rate of return through an online compound interest calculator over 30 years, for example, and see how massive the difference is. Buy funds such as VOO, VTI, VT, and research simple portfolio allocations. In reality, it’s excessively simple to make money in the market over the long term. Asset managers intentionally make things complex so you think you need to pay their fee.

ItalianV4

ince 2010, 10K invested in VOO would have compounded to 86K \*cries. wish I could go back to 2010 and just do this instead of trying to be Buffett in two hours a week .... id be in one of my multiple beach houses

Singularity-42

1.5% fee? Geez! Just buy VOO and chill. For comparison VOO has 0.03% expense ratio (fee). 

purplebrown_updown

WTF seriously?? If you're 45, put it into VOO or something similar and walk away. Geez. this is ridiculous. The 70/30 split is stupid. Do that if maybe you were 60 but not 45 and planning to work another 20 years.

Strange-Ad420

LOL fuck advisors just put it in VTI or VOO

Zerkron

This is why the majority should stick to investing only in VOO or VTI

Perfect-Loquat-7791

VOO’s thin options chain is the cost tradeoff. Forcing covered calls can lose edge via wide spreads. Try fewer trades, longer DTE, or pay SPY’s fee for liquidity and tighter fills

Buntatricky46

There are no garbage companies in the SP500. The 500th and 501st largest companies switch places all the time, so it’s already “modified” to ignore garbage companies. Historically, the SP500 has never included IPOs, but spaceX may change that. Theoretically, you can buy a SP500 index with low fees like VOO, and then short sell fractional shares of companies you don’t like in the SP500 bundle. This would be a pretty ineffective, and inefficient, way to mitigate risk. You’re better off just buying VOO, or if you want more diversification, buy VT, or VTI+ VXUS, or VOO+ VXUS + SGOV etc the proportion you short sell

Commercial_Ease8053

Take out a million and put it in VOO, do whatever you want with the rest.

ThetaEdgeHQ

HolaMolaBola is right that selling SPY against VOO is the practical workaround but the size mapping matters. SPY trades around 1.09x VOO so 1 SPY call hedges roughly 91 VOO shares, not 100. Most people who try this end up either over hedged on the call side or chasing strikes that do not actually correspond to where their VOO would breach. The cleaner version if you have margin is to size the SPY contracts off your VOO dollar exposure rather than share count, and pick a SPY strike that maps to the VOO level you would be willing to part with. Other option that gets ignored: VOO monthlies 30 to 45 DTE actually have wider quotes than the weeklies but tighter execution because market makers will work the spread when the order sits. Posting a limit at the midpoint and letting it sit 10 minutes usually beats hitting the displayed bid.

No-Woodpecker7462

I hate how tech heavy VOO is run especially as an ai doomer, I wanna keep contributing but can’t help but see a bubble

Gullible_Parking4125

The data confirms your suspicion: the "Expense Ratio Trap" is real when it comes to VOO options. Based on a liquidity analysis I just ran, VOO options have an average bid-ask spread of **\~0.20%**, while SPY sits at **\~0.08%**. On a $100k portfolio, VOO saves you about **$60/year** in fees, but you can easily lose **$100+ in slippage** on a single VOO covered call trade compared to SPY. Since you can't sell VOO due to unrealized gains, here are your three best paths forward: 1. The "Cross-Ticker" Strategy (Best for Liquidity) You don't actually have to sell VOO calls. Because VOO and SPY have a **1.00 correlation**, you can hold your VOO shares and sell **SPY calls** against them. * **The Ratio:** VOO and SPY don't trade at the same price. Currently, 1 SPY contract ($71,164 notional) is equivalent to roughly **109 shares of VOO**. * **The Catch:** Most brokers won't automatically see this as a "covered" call. It will likely be treated as a "naked" call for margin purposes, though the VOO shares will offset the risk in your net liquidation value. Check your "Buying Power" impact before doing this. # 2. Use XSP (Mini-SPX) Options Instead of SPY, look at **XSP**. These are mini index options that are 1/10th the size of the S&P 500 (similar notional to SPY). * **Tax Advantage:** XSP is a Section 1256 contract. This means 60% of your gains are taxed at the lower Long-Term Capital Gains rate, regardless of how long you held the option. * **Cash Settled:** There is no assignment of shares. If the call ends up in the money, you just pay the cash difference. This protects your VOO shares from being called away (and triggering that tax bill you're avoiding). * **Liquidity:** Better than VOO, though still not as tight as SPY. # 3. If you must stay in VOO: "Work the Mid" If you stick with VOO options, never use market orders. * **The Strategy:** Place a limit order at the "Mid" price. If it doesn't fill, move it by $0.01 every few minutes. * **Volume:** VOO options are often "thin," meaning the screen shows a wide spread, but market makers will often step in and fill you near the mid if you are patient. If your broker allows the margin, **sell SPY calls** or **XSP calls** against your VOO position. You keep the low expense ratio of VOO and get the institutional-grade liquidity of the SPY/Index ecosystem.

EveryNewspaper2287

Yeah no it’ll only cause it to go up stupid buy VOO

mentosbreath

I just bought some VTI because I expect non-US companies to do better over the next couple years. It's not a large percentage. VTI or VOO is still a good option. But I'm an idiot, so don't take my word.

f1modsarethebest

Not only did you not crack the market, you underperformed QQQ and were marginally better than VTSAX and VOO. Seems like a lotta effort and risk for no reward to me.

Maleficent_While2653

I remember a year or two ago the common advice was to stay away from tech funds, or from QQQ because it was too tech heavy and to stick with VOO. Now VOO has the same tech weighting QQQ did before lol.

hv876

If your objective is trading then you want liquidity. If you’re buy and hold, you lower expense ratio. Is the difference meaningful in theory, no. E.g., since 2010, 10K invested in VOO would have compounded to 86K vs. 85K for SPY. Is that meaningful, probably. Would the difference be higher if you factor in DCA and higher investment amounts, probably yes. Question is, why not get the extra money if all you’re doing is buying and holding. And if you’re trading, you better beat then SPY return plus the extra money you’re leaving behind.

A10cc

I don't get it. If the dude did some really boring ass basic shit like DCA into VOO throughout the years, he would probably be in a way better spot, but instead, insists on trying to make that quick buck. Dude has nothing to show for it and is pretty old at this point.

Sanpaku

Insiders, early investors. When their lock up ends, they'll start selling en masse. They're not dumb, they know Space-X will trade at 100+ times revenue, has never made a profit, is only barely EBITDA positive, is close to saturating the launch and potential Starlink market, other billionaire subsidized space launch and satcom will be competing for the same market, and they're committed to spending tens of billions on training an also-ran gen AI for reactionaries. Personally, I've avoided index funds for decades in part because they prop up overvalued tech stocks that have little but contempt for outside shareholders (and in part due to enjoying the hunt for value and beating the market), Alas, all too many zombies dollar cost averaging into VOO and similar will pay for a lot of Ferraris for SpaceX insiders and early investors, as they cash out.

InsanelyRetarded69

This guy’s advice is solid. Max out your Roth IRA and buy VOO shares. Never sell, always buy a new share every month. Rinse and repeat for 20 years

Optionsmfd

Personally wouldn’t do CC on VOO DCA weekly is a much better system

Grammar-Police2002

VOO, and then quit watching it.

ImpressionSame6040

What’s VOO

DiamondG331

I could write a book on options trading..I know what his concern is it’s just accept it, or move on. There’s plenty of OI. If you go out 45-days, he can get filled for a fairly comparable premium as he would on SPY whereas 100-share ls of VOO is less Expensive to own. You either find a strike date/price with a tighter spread, or sell VOO for something else.

iXProject

VOO for you

iXProject

What shit ETFs is this garbage. You need to learn VOO buddy

Gold_Audience_1662

The Bid/Ask is very wide and it's hard to find a good price for a fill. Often mid price won't get hit or you are leaving a lot on the table hitting the mid on VOO.

Astronaut100

Equal weight ETFs are so stupid, I’m shocked they even exist. The whole concept is to sell winners to buy losers so they all remain the same weight lol. No wonder RSP always underperforms VOO.

hv876

Don’t do this. VOO is low liquidity. Not a good idea. VOO is for investing, SPY is for trading. Don’t confuse the 2

distantplanet98

VOO

rollin20s

Broad indexes are the answer (imo) - VTI, VT, VOO, VXUS etc. can’t beat the diversity of exposure. Slow and steady wins the race

daein13threat

This response is a perfect example of why “VOO and chill” never quite made sense to me. Yeah, you will likely do well over the long-term, but being totally hands-off takes a lot of potential gains off the table along the way all because we’re told to minimize taxes at all costs and don’t anything to interrupt compounding. Not taking profits is like walking past a $100 bill on the ground and not picking it up because you don’t want to pay taxes on the gain. I take a very similar approach to yours, but favor dividend paying investments. I’m happy to sit back and collect income, but I take profits and recycle capital when opportunities present themselves.

RU9901

Thanks for the detailed response. >If you buy $20,000 and keep cashing out $1,000, that's not 44%. That's 5%, like a dividend payout, but that's not annualized. It's the gravy. You've sold $7,000 and still have $20,000, you've made 35%, again not annualized. I understand what you're saying. My use of the 44% figure was not trying to say that "I've made a 44% profit" or anything like that. I just used the figures of 44% and 20% for the sake of comparison. To indicate what the performance has been for the stock, and for the S&P 500 index, in the 15 month period. And when you make the comparison, and you see that the stock has increased in value at over twice the rate of the S&P 500, that leads to my statement "I've made better use of that $20,000 in the last 15 months." If that is in fact the correct way to look at it. >"At that point any additional gains going forward would be pure profit." >Well, isn't the $7,000? As long as your Basis in the stock isn't lost, everything you take or don't take is "profit." Of course, the $7,000 can be called profit as well, but I look at it in a different way. The $7,000 is just part of the "extraction." If things keep going well and the stock keeps rising, ultimately I want to extract the entire $20,000 principal investment. >If you were at the gambling table, and you pulled $20,000 off the table and still had $20,000 you would call that "gambling with house money." It's a known Cognitive Bias. Right, that's what I meant to say but didn't want to be too flippant. Once I extract the $20,000 principal investment, from that point forward I'd be "playing with the house's money." Again, if that is in fact the correct way to put it – and I'm not overlooking anything. >There's no magic math here. Sure, it was a good move, but that's hindsight. When I made this move 15 months ago there were one of three ways it could've panned out. The stock would go down, sideways, or up. And the only way my plan would work is if the third scenario took place; which it has. So yes, so far it did turn out to be a good move and yes, that's hindsight. I'm just trying to make sure there aren't any other factors I'm not aware of that should be taken into account. Like for example, maybe there was some compounding that I missed out on that needs to be factored in? Compounding I would have had if I had never bought the stock, and just left the $20,000 in VOO? Or, is there a time factor involved with this kind of plan to determine whether it's successful? Was 15 months too long so far, and does that change the equation? And, what if takes 30, 45 or 60 more months for me to complete the plan and extract the entire $20,000 principal? Would that change the equation on whether the plan was successful overall? Or, does this kind of systematic profit-taking depend too much on luck, and therefore shouldn't typically be attempted? As a novice investor I'm just trying to understand all the aspects of this so I know that whatever conclusions I come to are correct.

SerMumble

Compare a money market/bond returning 3-4% like SGOV vs a higher volatility etf/stock returning 6-30% average growth but volatility of -8% to -50% like VOO S&P500, QQQM Nasdaq 100, SMH semiconductors. Stock growth is a hedge against inflation Mathmatically, it is always better to be invested in the market long term and dollar cost average. Dips and crashes practically do not matter. Shorting the market is an unnecessary risk. Short term, it is useful to have a small amount of low volatility funds and new income for emergency and to buy the dip.

Happy-n-Healthy

It really doesn't take much skill at all....just buy VOO and chill

ThetaFarmingRegard

VOO and chill strategy is gay af I’d rather be getting wiped tf out

Happy-n-Healthy

The more I see posts where people are getting wiped TF out I like my VOO and chill strategy

YL-Strong

For minors just VOO and chill

Immediate-Run-7085

Sounds like a shotgun approach. Typical ETFs mentioned on Reddit without doing any research and decided to combine them all There is so much overlap in VOO, chat, qqq, vug that splitting them units pointless.

IndicationParking870

90% VOO + 10% SPMO.. I ain't nervous about shit.

Adventurous-Tough553

Right, although a logical response may be to rotate more of one's holding from the VOO and big tech category to the VXUS category.

GiGiAGoGroove

DO you think SPY and VOO are better than SCHA and VDE? Those are the ones i would be dumping to buy them.

No-Consequence-8768

You will lose out to a simple SPY/VOO, Big Time.... It's not that hard to figure.

Typical_Web_2125

But even with reinvesting dividends, the growth rate of something like an S&P index will still outperform SCHD. It doesn't make sense to be dividend chasing in the growth phase when you won't use the dividends anyway. Once retirement hits, then sell some growth funds and buy SCHD then. [https://totalrealreturns.com/s/VOO,SCHD](https://totalrealreturns.com/s/VOO,SCHD)

GiGiAGoGroove

I am not in VOO anymore I sold at its height and I would choose SPYM(formerly SPLG) as VOO’s dupe because of its price and shares, but the dividend is low. I avoid tech. All my other ETFs are SCHD, SCHA, VBR, VXUS, NNN, ENBRIDGE, SCHF, SCHY etc which all of them are decent dividends but they are mostly all VALUE funds.

Good_Ride_2508

This is the best Answer. JEPI is inferior than VOO/SPY both ER and the Long term ROI. Same way, JEPQ is inferior than QQQ/QQQM both ER and the Long term ROI. JEPI/JEPQ is JP Morgan's marketing ETFs for wealthy people. JEPI/JEPQ looks like winning on concept, but both are not giving any benefit compared to VOO and QQQ. Better to stay invested in VOO or SPY or QQQ index ETFs.

StockScannerApp

Me adding to my VOO position while the building is falling

BlindTreeFrog

> over the past few months. yeah, but at the same time over the last 10 years, VOO ran away from SCHD. 10,000 invested with DRIP on Jan 1, 2016 SCHD today -- $30,279 VOO today -- $38,793 That said, I feel like most of VOO's growth was in the last 3 years and the two were close enough to pace each other 2017-2022. https://portfolioslab.com/tools/stock-comparison/SCHD/VOO

MediumLanguageModel

You just have to look at SCHD compared to VOO over the past few months. I think it captures the conversation perfectly. When everything went to shit in March, VOO took a pretty bad hit while SCHD stayed relatively even. It dipped, but not as severely. Then when things picked up, VOO went bonkers while SCHD slowly climbed back up. It illustrates the pros and cons of stability vs growth during chaotic times. I bought into the dividend portfolio strategy (just SCHD) for part of my Roth and the returns have been modest and the dividends negligible. But it's just a fraction of my overall portfolio so I'm content to let it sit as a hedge. That's handy when you have a dip buying opportunity and need to free up capital that hasn't tanked with everything else.

RagnarokWolves

My brother-in-law recently texted me asking what he should invest in. I said "well I am invested in VOO and I buy some every paycheck. The market could crash tomorrow but I'm holding for the long-term so it doesn't matter. I always buy." He said "k." Today, he hits me up asking if I've ever tried an AI robo-advisor for stock picks. -_-

Flayum

I like compounding gains, that's why the CAGR for VOO and even VTI is higher than any dividend index. Plus I get to realize gains whenever I want instead of being forced to. Enjoy deluding yourself, bud.

Choice_Potato_6279

Ok i get it, I thought VIX was another type of ETF like SPY and VOO

ParisPharis

Well in 3 months the you’ll be the “og investor” and all the clowns here including me who was VOO in retirement accounts will be your bag holder.

_Spyder-Man

VOO focuses on top 500 US companies, VTI is the whole stock market. If I had to choose one, I would just go to VOO ( SPYM is my preferred version just because the expense ratio is a little less ) . But they literally hold the same exact companies.