VOO

Zebranazgul

Pls start a 24k paper challenge for us regard, i need that 200k and the VOO stuff

Devel0per81010

Don’t be regarded. VOO and chill.

ObiHanSolobi

>i dont want my life to be anchored by nursing positions I feel you. And especially above where you say "I'm tired. so tired" The roller coaster takes its toll. I have life changing gains like you, and also like you at the cost of hours and hours a day and a roller coaster over 5 years. I'll always be making some trades, and I enjoy it when it's small amounts and a hobby. But right now I'm just looking forward to being able to hand 95% of it over to VOO and forget about it permanently. Getting close to stepping down, turning off the laptop for a month and clearing my head.

taplar

If you all your accounts are at Fidelity, then I would also reconsider holding FNILX, SPY, and VOO. Both SPY and VOO are essentially the same thing. FNILX being a large cap fund is going to be very close to them in performance. Holding all three of those doesn't really give you any extra diversification. I'd personally opt for just FNILX for a Fidelity holder. That doesn't mean selling SPY and VOO to move it to FNILX, if that would result in a tax bill. You could just contribute future contributions to FNILX.

TopNo6605

Why do people think you can just buy a multifamily complex as an investment and it’s guaranteed? I didn’t see you study how to manage them, even hiring a property manager carries a lot of risk. Better to just put it in VOO.

Various_Yoghurt_2722

Need advice (Fidelity Specific) Still have alot to learn about investing. I'm a new anesthesiologist with about 250K saved (150K in 401K from residency and 100K in personal stocks), no debt, high annual salary, no major expenses except rent. My personal stocks are all a mix of FNILX, FTIHX, FXAIX, FXROX, SPY, VOO. Also have about 15K in SPAXX instead of a high yield savings account. Currently set automatic 2.5K every 2 weeks to buy those stocks above. 1. Any advice on what funds I should in regularly? I want to be very aggressive 2. Is parking my money in SPAXX fine or should I get a high yield savings account? I like seeing everything in one place 3. Any other advice? I can afford to put more than 2.5K biweekly if I want to be even more aggressive

YinzersPlace

You ever see Wolf of Wallstreet? Nobody knows what the market's going to do. Pick an ETF like VOO and max out a roth IRA of it every year. Other than that pick companies you like and believe in to invest in a separate taxable account for fun like robinhood.

LemonTeaCool

I think RSP will overtake VOO this year.

Melcher

348k into VOO and you are set for life? Explain 

sephirothFFVII

We need a VOO and chill sub or casual thread for former degens

fen-q

VOO? Don't become gay like the guys over at r/investing.

allofthe_colors

Hey I have roughly the same amount and I'm really new to investment. Can you give me any tips on where to go from here? You said at the end you're going VOO and dcaing. Can you elaborate more on that? That'd be such a huge help for me. Thank you so much

Wide_Air_4702

I ran a comparison of QQQI to VOO, and it seems to out perform VOO during up to sideways markets. I'm less sure that QQQI is really defensive in a down market though. Both were down about the same amount during the 2025 tariff scare, but that only lasted two months so not a great indicator.

ProGrieferHere

Just because you can't do it doesn't mean it can't be done. You must be one of those "VOO Boos."  "And I .. had... The time of my life. And I owe it all to VOO." Lol

BillsFan504

Taxed differently than short term, but sure, we could also buy 500 stocks instead of the VOO

ten7four

Bought $450,000 worth of shares in RDDT and HOOD 5 months ago. Today I have $2,000 in losses to show for it. Literally just putting it in VOO would've netted me $32,000. Just buy and hold... right guys...

Academic_Level_3407

just buy an etf like VOO then

wankelgnome

Not saying this is a good portfolio, but the 15 year drawdown I believe you're referring to is from 2000 (dot com boom) to 2017. Thing is, the entire stock market of the 2000s was ass and the S&P500 itself took from 2000 to 2012 to recover. If you look at the biggest holdings of VOO and SMH, they are not that different or disconnected at this point. Both have NVDA at #1 and AVGO in their top 10, but SMH has more semiconductor hardware companies whereas VOO has magnificent 7 companies, which are buying from SMH companies anyway.

rynodawg

All of those stocks listed will either moon or crash all together. If you want to de-risk move most to VOO, let time do its thing, and thank yourself when you are 50 and retiring early.

anjo2290

lol what's not shown here is a sizeable amount in VOO. I placed enough in less volatile index funds to match the "savings by age" benchmarks for retirement while the rest is for me to play darts

amshanks22

VOO is just Vanguards top 500 US companies. Other brokerages have nearly identical options.

Heyhayheigh

That’s fine too. Most people learn with VOO

Western-Midnight691

Why not buy index funds like VOO that track the market and invest in all the top companies including Google and Nvidia?

Beneficial-Ad-9986

agree on friction being the real enemy. Automation solves more behavioral problems than most asset debates ever will. The panic part you mentioned is interesting though. Do you think that’s a VOO problem, or a position size and expectations problem once the numbers get large?

Heyhayheigh

It’s about the muscle memory and the habit. Having an auto weekly is like hygiene, like brushing your teeth. If you can learn VOO and chill early, then later you will experiment, then later will come back to ETF’s on auto (when you touch the stove a couple times and smarten up). We all go through it. It is the auto invest and don’t panic sell which are the hard lessons. Half the people in this sub panic sell and don’t realize they are rationalizing and calling it something else: being like buffet and being cash, rebalancing, pivoting, protecting myself, taking profit, you name it, they use it as an excuse. Sell only when you have something urgent to pay for, otherwise you likely just panic selling. Learn this young…

YoshimuraPipe

So you wouldn't hold Google, Apple, microsoft, visa, costco, berkshire, etc etc for more than 2 years? Yeah stick with your VOO and chill only please.

Ok-Educator5253

VOO, IVV, SCHG, VT, VTI, QQQM You want to capture the growth of the market as a whole for most of your money.

Heyhayheigh

At your age there are not wrong answers. Get used to buying VOO on auto weekly basis. Sell only when you have something urgent to pay for. If you have income, if you have expenses, you should have auto investment. You will learn as you go, but that is the basics. The foundation. Later you will dabble in stocks, riskier ETFs like QQQM or VUG, just acquire more auto weekly. Don’t trade in and out. You will do great! You are super young!!

Cruian

I'd diversify to at least international. There's plenty of times where market favor is outside the US for stretches. A global approach can be beneficial to both returns and volatility compared to the US only that VOO is (no, foreign revenue doesn't make it international). You could also consider the US extended market (add say VXF, or to cover both with one fund, replace no with VTI for example).

Lompi0202

Well, I was thinking maybe sth outside from the US. Like having idk 40% on VOO instead of 80%. I was looking into some other emerging markets, as well as things like IEUR maybe. Idk if it’s a good idea which is why I’m asking, I just don’t wanna hold most of my investments only on America

amshanks22

Well i dont know the allocation percentages but what i can work with this. Id negate VXUS. Ill meet you in the middle. Nows a great time to start your DRIP snowball with a dividend ETF. SCHD is always a great choice but because it appears you want an international (minus US) ETF, id say VYMI. Solid growing international dividend etf minus US with div. stats comparable to SCHD. Otherwise, i wouldnt overthink what youve got. 3ish decades from now id like have this portfolio looking like this: 75% VOO, 15-20% SCHD/VYMI. 10ish% individual stocks.

taplar

VOO is already fairly diversified across equities. What diversification are you seeking? 

Heyhayheigh

Anything that helps you spend less and invest more on auto basis = your friend Anything that provides friction or obstacle = your enemy Overthinking, tweaking, analyzing, indecision, are all frictions. Would have been better working out what you can afford on auto weekly basis of VOO, then just work to increase whatever amount that is. This is the power of VOO and chill. Buy on an auto weekly basis. Sell only when you have an urgent expense to pay for. Keep emergency cash in SGOV, and move on with your day. The problem is I’ve never seen someone not panic sell if they are just VOO and the money is big… Then someone will cry “not diversified enough”, “international exposure”, “bogleheads said bonds!!” All just complicate the soup.

SnS2500

It's up 20% for the past two years. Below VOO, but way ahead of VOO for three years and five years. And massively ahead for ten years. Much of its value now was priced in years ago.

Ryu6912

Sell put half into index funds and never return, you are banished to VOO and chill for the rest of your days. Congrats 🙌

mansfall

Look into doing the options wheel. You SELL options rather than buying them. Collect premium. Do this against good companies, not meme stocks or trying to chase those that pop 20% in a day. But truth be told, statistically you can do better simply by buying and holding those good companies (think GOOG, Nvda, many others...) Alternatively another good approach is to just 100% VOO and chill. Buy and do nothing. Historically returns like 10% year over year. Keep adding to it monthly for years.

TinyAspirer

No, just my overall account, has some VOO and some VMFXX. Not sure why its having this error though

MasterBlaster4422

Impressive!!!! VOO and chill now.

Few-Chemist-3463

SCHD is for someone who is 74 lol. Should be in VTI / VOO + growth picks.

dalr3th1n

VT, VTI, VXUS. Might get spicy and buy VOO.

robdenbleyker

VT soundly beat VOO last year due to trends that miiiight continue (not pointing fingers at any specific presidents)

OverheadPress69

Bruh my brother in law keeps trying to get me to “invest” in Pokémon cards. Keeps telling me his % return like it’s not a lottery ticket lol. I had to stop talking about it with him. He insists it’s a safer investment than VOO/QQQ/VTI lmao

Quickling5

Warning: 500k is not life-changing money. It’s money that can & should eliminate your higher-interest-rate obligations like credit cards, cars, etc. Don’t pay off your mortgage; that rate is good and low. Invest in VOO and continue your normal life. Your retirement is likely secured.

Odd_Buyer1094

Bullets , smith and Wesson, fishing gear , traps , flints , shelter supplies, those items will be more valuable than gold silver VOO , schdi, tesla , amazon etc combined

mngu116

Agree with paying off loans and not getting anymore to avoid the debt creep. You have to have that mindset change to be wealthy. If you can’t pay cash for it you can’t afford it. OP has great jobs now so it’s time to max out all brokerage and 401ks and HSAs. Put inheritance and all money into VOO and forget about it. Cheers.

euphoriatakingover

Pay off the worst debts and put rest investing can set up a great dividend income machine with that or pile in VOO or ETF of choice.

Lompi0202

Hey everyone, so im a young investor trying to learn, I’ve been in this whole world for like 6 months. I’m really into all of this and love learning about it. Currently, i have a portfolio that I made when I started investing, and looking at it, it’s not good. It’s pretty much 80% on VOO and 20% on FXI. I’m trying to do my own research and find how I could diversify and make my portfolio better, but decided I could also ask some people here who probably have way more experience. So, what are some ETFs or regions that would be worth looking into to diversify if I wanted to improve my portfolio? Thanks in advance

gls2220

At 34, you should be more growth oriented. So funds like SPY, VOO, QQQ, and VTI make a lot more sense than SCHD, which kind of sucks.

Intrepid-Surprise-55

Look, there isn’t a “best way” that someone will be able to provide! There are good ways! Starting with an IRA is great because it provides some tax relief when you retire! I assume you are actually wanting to start besides the IRA! Since you aren’t knowledgeble and will have time to learn I’ll give my opinion. Download the Hobinhood app; Create an account; Deposit the money you want to invest; Start with QQQ and VOO (Google or ask chatGPT about), basically you will be investing on the market; VOO mirrors the SP500 and provides an historically positive outcome, lately about 8 to 15% per year; This should get you started, start educating yourself and in the future you can diversify your portfolio; Avoid buying and selling because your profits will incur taxes, after one year of ownership taxes are minimized to 10% of earnings!

Even_Section5620

VOO

Consistent_Laziness

VXUS will outperform VOO again and be the safest buy of the year

BeYourBestYou

ha. then that's good. I'd invest what you can. Especially if you don't have much of a retirement and you're already 36. You want that compounding interest to work for you, and the longer you wait, the slower it takes. Just a few to consider. * [**Vanguard 500 Index Fund (VFIAX/VOO)**](https://www.google.com/search?q=Vanguard+500+Index+Fund+%28VFIAX%2FVOO%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAB): Tracks the S&P 500, offering exposure to large U.S. companies, recommended by Warren Buffett. * [**Vanguard Total Stock Market Index Fund (VTSAX/VTI)**](https://www.google.com/search?q=Vanguard+Total+Stock+Market+Index+Fund+%28VTSAX%2FVTI%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAD): Covers the entire U.S. stock market (large, mid, and small-cap) for maximum diversification. Growth & International * [**Vanguard Growth Index Fund (VIGAX/VUG)**](https://www.google.com/search?q=Vanguard+Growth+Index+Fund+%28VIGAX%2FVUG%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAB): Focuses on large U.S. growth stocks, heavily weighted in tech. * [**Vanguard Total International Stock ETF (VXUS/VFWPX)**](https://www.google.com/search?q=Vanguard+Total+International+Stock+ETF+%28VXUS%2FVFWPX%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAF): For broad exposure to developed and emerging international markets. 

Various_Couple_764

In general as the dividend of a fund increase the growth decreases. Dividend fund in general continue to pay even whine the market price drops. So by switching your investments a bit more into dividend you are erectly switching for fixed income instead of growth and reducing your risk. Also the S&P500 index has a long term average growth rate of about 10%. There are funds and stocks that do have dividends close to 10%. So in your roth you could add commp funds that invest in companes that are not a big part of the S&P500. For example ARCC is a BDC there are no BDCs in the S&P500. ARCC has a yield of 9% which is common for BDC and since the companes founding the stock has performed a bit better than the index. When the growth index has a down year ARCC keeps paying its dividend and pulls a bit ahead. The are a number of f=good BDC so I invested in PBDC and the other is BIZD. In my roth Ihave funds like QQQI 13% yield,EIC 11%, ARDC9%, PBDC 9%, EMO 9% CLOZ 8%. So if the index is down I can use the dividend to invest in VOO or any other growth index you have. And in years when growth does very well you could sell some of the growth and lock that money into high dividends funds with have a comparable return and reduce your risk of over concentatration in the magnificent 7. For 401Ks you are limited on your fund choices so for dividend you may be limited to bond funds so you may be forced to use lower dividend yields. One other advantage having dividned funds in Roth or retirment fund is that if you become unemployed you will still have money flowing into the fund. With now I cannot depoist into my roth because my income is too high but the dividend funds are depositing 5K a month of income into my roth.

RiffBeastx

Invest every dime into VOO or VT. Dont deviate. Dont pick individual stocks. Just keep investing everything you can.

FeeLow1776

Here is what I would do if I am you 1. Max Roth IRA you can open an account on Robinhood and if you want to be conservative do 100% VOO max this out (7k) each year 2. Taxable brokerage put as much in as you want I would shoot for 15% at your age I would shoot for things that have high growth 3. Spend some of it and enjoy your 20s 4. Emergency fund at your age and no bills I would shoot for 10k into a hysa you can always add more if you need too

Heyhayheigh

Open a Fidelity taxable account and Fidelity Roth IRA. Sign up for 401k, set it to the sp500 fund with lowest internals, put as much in there as you can as fast as you can. In the Fidelity Roth buy as much VOO as you can afford on an auto weekly basis. In the taxable keep your emergency fund. If you have extra money, buy VOO in auto weekly basis just like the Roth. Sell ONLY when you have an urgent expense to pay for. Don’t rely on self discipline, automate. There is a ton to learn, but that is the basics. Congrats and best of luck!

Portfoliana

Dude your 17 with 10k saved and 4 income streams?? Your already ahead of like 90% of adults lol. Keep it simple - throw most of it into a broad market ETF like VOO or VTI and just forget about it. At your age time is your biggest advantage, compounding will do the heavy lifting. Maybe keep 2-3k as an emergency fund tho. Having some cash buffer is important when your paying rent and insurance already.​​​​​​​​​​​​​​​​

Numerous_Big_3680

Damn bro you're living the dream with no expenses at 19, that's actually insane Start with a Roth IRA and max it out ($6500/year), then throw the rest into index funds like VTI or VOO - boring but it works. Don't try to get rich quick with meme stocks, just let compound interest do its thing over the next 40 years Also maybe learn to cook and do laundry now before your friend gets tired of covering everything lol

TheLovelyTrees

Wow. Greed. Shoulda stopped at 500k, moved it into VOO

Top_Examination5696

Totally agree. Broad index exposure removes a lot of decision risk, especially for newer investors. One thing I’d add is that even with VOO/VTI, watching how price behaves around key levels and how volume expands on breakouts can help with timing and position sizing — it’s less about picking tops and bottoms, more about confirming participation and avoiding false moves. Long term consistency + disciplined sizing usually beats trying to optimize every entry.

PaintIntelligent7793

I am a real estate investor and developer. I have several rental properties, in addition to my own home and a starter home, which I also rent out. I do have a small portfolio with Fidelity, which I make contributions to, but my plan this year is to acquire a fifth cash flow property, at which point, like you, work will be optional for me! I do plan to still work, though, and will use to proceeds from the rentals to build up my stock portfolio. NW is about $1.25M now, but most of that is not liquid. Aiming for $3M in about five years, which sounds kind of nuts, but everyone says the first M is the hardest, and the way things are going, that seems to be true. I want a stronger balance of liquid and non-liquid assets, though, and more diversification. Current stock allocation is 60% VOO, 20% VXUS, 10% QQQ, 10% individual stocks.

raptors2o19

$5/day is approximately $150/month. Just do that and buy VOO as others have suggested or whatever broad index you desire. With an initial investment of $0 and a rate of return of 6%, your net deposit would be $35,850 and your projected savings (including principle) would be $67,772. [source](https://www.fidelity.ca/en/growthcalculator/)

Shiefu

Looking for advice on taxable investment percentages in VOO vs VTI. Late 20s and work in big tech sw. How much of your taxable portfolio would you recommend being VTI over VOO considering the exposure due to salary and RSUs in tech? Currently I’m also targeting ~10% in gold, ~20-25% international funds. In wondering what the rest of the allocation should be without including an emergency fund. Thanks!

UndercoverOptions

The S&P 500 (VOO / SPY) It’s not buy and hold the same 500 companies forever. It’s a living index. When a company falls apart (bankrupt, shrinks, gets acquired, loses relevance), it eventually gets removed and replaced by a stronger / more relevant company. So over decades the index naturally “drops the losers and keeps the winners,” even without you doing anything.

grantern2

VOO in the 401k is perfectly fine. Options in your 401k tell me you’re either a genius or you’re one of us

catchy_phrase76

And those super smart people saying that have vastly underperformed for the last 30 years lol I'm not saying staying 100% VOO is or ever was a good idea, I'm generally a VOO chill hater, but this is like saying Bill Ackman is correct about a correction when he misses for 30 years at a time.

Inevitable_Pin7755

Do VOO

Love_Mud_2025

VOO

eat_natural

You only have to be about 2 years old to say that. It wasn’t long ago that everyone on reddit shunned anything other than “VOO and chill.” Now we seem to hear a lot about VXUS. It’s just an echo chamber of short-term performance.

Heyhayheigh

Ditch the target date fund for sp500 fund with lowest internal cost. If you work for a company you see yourself retiring from (doubtful), get some company stock early for possible NUA in the future. At your age you shouldn’t be worried about dry powder. Just fully automate and don’t pay attention to it. The chill part of VOO and chill is the hardest. Sounds like you will do great!

JackFinnaSmack

Thank you everyone for your insight Im gunna hold onto. Im decently new into investments as I only hold this and VOO lol. I just wish I bought more…

AssCrackBandit10

Nope just VOO and chill always

invisiblylurking

VOO, schd and QQQM. Dollar cost average in twice per week. Keep excess money in Tbills

SerialStrategist

Today's events will likely have two outcomes in the next 10-20 years. Either the US maintains it's dominance, meaning little changes and S&P 500 continues to outperform the rest of the world, OR, The US loses it's dominance meaning investors will move their money to more stable markets where EU and Asian markets will likely benefit most. The former relies on the US demonstrating continued growth stability. The latter relies on loss of growth stability. So how do you position yourself to benefit from either outcome? VT (World tot. market) usually performs between VOO (S&P 500) and VXUS (World tot. market minus US stocks), which I think is you're best option for any outcome with one assumption, the money remains in the stock market and isn't pulled out to invest in other asset classes (previous metals, cash, bonds, etc).

LondonCallingYou

If the president is affecting the market, it is a perfectly rational response to respond to market conditions. If your point is to say “just invest in VOO monthly and never think about it” then just say that. Don’t say demonstrably ridiculous things. Nobody is saying they want to reallocate “because of who the president is”, it’s because of his actions and effect on the market. I think you know that.

Adventurous_Elk_4039

“Common advice”? I know VOO and Chill is the mantra among younger redditors only investing during a bull market. Older/wiser investors will say VT and chill or some variant of VTI/VXUS and equivalents. 

skilliard7

If you want to stay in US equities but are concerned about MAG 7, there are some options: AVUS- Very similar to VOO/total market ETF, but generally underweights stocks that are likely overvalued based on fundamentals. DFAT- Small cap value ETF. Pretty much none of these stocks are included in VOO, so its extra diversification VNQ - Real estate ETF. Real estate is a tiny percentage of VOO, so this would provide a bit more exposure

ritz37

I'm old enough to remember posts where people said: "I looked at the one year performance of VXUS and it underperformed VOO, so I think I should just invest in 100% US"

Matt2_ASC

I actually went with VXF. Made that decision in 2020. I would have been better off in VOO. I'm just shy of my target of 8% annualized return so I'll take it.

Illustrious-Coat3532

I have read QQQM CHAT SMH VOO and chill lately.

RedfootTheTortoise

Did you take the 3% under spot? Not a bad deal.... Congrats on the cash out. Now go buy yourself something ridiculous, enter some reckless positions and waste the rest on retirement or some lame ass VOO.

Next-State-374

I need VOO to drop about 200 points.

jettoblack

TOPC is the S&P500 with each stock capped at a max 3% weight. I don’t know if there’s any equivalent fund that does 5%. RWL is S&P500 weighted by TTM revenue instead of by market cap (so e.g. Walmart is weighted higher, Apple Amazon and Microsoft are still pretty high, but Nvidia and Tesla are lower), making the P/E ratio a lot more reasonable. One downside to ETFs like these is they are relatively smaller funds with less liquidity than something like VOO.

PashasMom

It sounds like you are looking for the XMAG ETF. Personally, I would not touch it, but I have small cap, value, and international holdings already so whatever is in VOO is not a huge concern to me. Besides, the market thinks NVidia et all are worth all that money in VOO, who am I to think I know better than the entire market?

D74248

XMAG is an ETF that holds the S&P 500 without the magnificent 7. So if you split your current VOO evenly between VOO and XMAG the only change would be that your mag 7 exposure would be cut in half. There are also the funds from Research Affiliates, which (to use their buzz phrase) indexes based on "economic footprint" rather than simple market cap.

Revolutionary_Loan13

I hear you there and do have some RSP, really what I'd love is VOO just with a few taken out or a max weight of 5%

Easik

I mean if you think VOO is over invested in Mag7, then you are looking for RSP. If RSP isn't what you want, then you are basically saying that you think you can pick stocks better and to that I say good luck.

Happy-n-Healthy

You guys would be better off getting a puppy and VOO n chill

Less_Register4608

Russell 2000 will outperform VOO

Resident-Tumbleweed9

I let google, silver, gold VOO ride on my parents retirement, while I gambled away -10% last year, while three +40% 😅😅😭

SirGlass

VTI = Total USA market VOO/SPY are both S&P500 index funds. These are not growth , they are broad market and hold both growth and value (QQQI, JEPQ, SPYI) These are covered call ETFs, they are not even dividend focused , they sell upside to produce a premium . They will over the long term almost certainly under perform their underlying index of the Nasdaq 100 and S&P500 Simply buying VTI will give you a mix of growth , value , dividend stocks

CryptoChartz

Should I just sell my VOO and full port the metals?

MatterFickle3184

This ain't no meme. COMEX suppressed prices for so long and not China was like eff you we gonna hoard it and not export it anymore since their inventories we getting drained. Silver is only rebounding back to its true value since tech giants need it. Lemme guess you a VOO and chill guy?

MatterFickle3184

Hey VOO bois told ya! 😂

Heyhayheigh

Start with whatever is comfortable. $50/week. Then work to increase that. Use whatever method or excuse you can. I personally played a game where I tried to beat every expense greater than my investment budget. I beat my insurance. I beat my car payment. I beat my rent and food, eventually (super slow). I now invest as much as my monthly expenses (most people can’t do this). That’s all personal finance is: spend less, invest more auto, don’t panic sell (most don’t even know what panic selling actually is). Set your investment to weekly. Use a place like Fidelity that uses fractionals. VOO is fine. That’s it. That’s all anyone needs to know. There’s a bunch more to know, and you will get there. But if you have that one basic principle you can be fine.

First-Finger4664

If you’re going to hold a stock for at least a year (which you should, if for no other reason than nabbing a lower capital gains tax rate), investing hours of research into that company is the right thing to do. If you hate sitting in cash, allocate your reserve funds to VT, VOO/SPY, a standard 60-40 portfolio, a ray dalio all-weather portfolio, etc so you don’t have this FOMO compelling you to make rash decisions

Sover47

I'm new to this. Invest in what? VOO? SPY?

Guilty_Psychology_28

Just VOO or VT and chill dude. Trust me. No sense wasting all that stress and energy on something that will ultimately probably lose to the market annual return in the long run.

quuxquxbazbarfoo

That's fine to not know it all yet, that's why the suggestion to get it invested into an S&P500 index (largest 500 publicly traded companies in the USA) while you learn more is a reasonable suggestion in my opinion. S&P500 is the benchmark that most other things are compared against to determine if they were "successful", i.e. did they beat the S&P500? When you hear about people saying so and so "beat the market", they're almost always talking about them outperforming the S&P500 specifically. So if you invest into an S&P500 index fund like VOO, FXAIX, SPY (separate S&P500 index funds managed by Vanguard, Fidelity, and Spyder repsectively) you will be matching the "market rate". Whether that is a gain or a loss is another story. Order of importance of what accounts to put money into is generally described on this sub as: 1.) 6 months of expenses in HYSA (i.e. money market fund, highly liquid) as "emergency fund" 2.) 401k contributions to meet full employer match 3.) Max an IRA 4.) Max out the 401k contribution 5.) Taxable brokerage As far as what investments to make, if you're young something like 50% S&P500 index or US total market index (like VT), 50% Global index this sub might recommend. But it depends on your risk tolerance. There are other funds that have a good chance to outperform those, but you might see -50% on a down year where S&P500 might just be down -20%. Personally I like to research companies and pick stocks, but I'm also not a professional, so I like to hedge my picking by allocating around 50% of my entire account portfolio to S&P500, then pick riskier index funds or individual stocks with the rest. I also spend all day every day focusing on it, which not everyone wants to do, so the general recommendation on this sub (this sub slants to low-risk consistent gain over time) is to stick to index funds.

Various_Couple_764

Mutual funds are not traded on the market. you have to buy shares from fund management. Any dividends received by the mutual fund are payed out to fund shareholders. Mutual funds also occationally have capital gains distributions. ETFs are similar except: * shares are purchased on the open market. * ETF have a way to avoid capital gains distributions. But in extreme cases they may have one. Otherwise they are basically the same and some mutual funds also have very low fees as ETFs. The capital gains distributions is the only tax difference. I invested in FXAIX a fidelity mutual fund that invests in the S&P500 II have only seen one captial gains distribution from this fund. besides I just took that and the dividend and reinvested them for more shares of FXAIX. And there are no taxes if FXAIX is in a ROTh, IRA or 401K. The tax difference between these two funds is a minor issue. Not enough in my opinion to avoid mutual funds. If FXAIX is in a taxable account and there are no capital gains distributions there is no difference in taxes when compared to VOO or any other S&P500 ETF index fund.