VOO

Top_Cranberry_3254

Another bloodbath tomorrow. Iran shot ballistic missiles at us so Taco is going to start something and create volatility on top of all the other stuff. Good time to buy but afraid the bottom is much lower. The scary thing is that SPY/VTI/VOO haven't even crashed yet, only Ai/Tech/Semis/Memory so far. If the indexes go, then it's going to be hell.

patricktu1258

Found the VOO boomer here

jakeisarake

Give me 1 pump tomorrow so I can get out and just VOO and chill

srfdriver99

So the usual portfolio structure is to have a "core" that represents 40-80% of your holdings and a "tilt" towards various other things to diversify further or to make a bet on some category. VOO/QQM are reasonable cores. This is fine. You said in the thread you have a personal business that you're trying to grow. **That** is your aggressive "tilt". There is no reason to make a single-stock bet. Your single-stock bet is YOUR OWN BUSINESS. Full stop. If you want to diversify your holdings in your portfolio, there are various reasonable categories: * International businesses (hedge against American downturn) * Bonds (as a portfolio stabilizer) * Precious metals (another portfolio stabilizer) * Sector ETFs for an industry that your own company's not in, as a way to tilt _away_ from that sector in your portfolio at large. * Low-volatility, dividend-oriented, or defensive tilts such as consumer staples, utilities, and REITs. But aggressive picking? If you're going to bet on anyone, bet on yourself.

FuckleUp

VOO is a boomer time warp

Airizom

I had $125,000 in VOO and $25,000 in intel; that “small” intel position made my total portfolio go down 9% completely mogging VOO

Cruian

>Steady to an etf like VOO, or others, makes sense even in lost decades like the 90’s. The 90s were great for US large caps. The lost decade was the 2000-2009 one.

SohndesRheins

Sell everything, buy VOO, add no additional money, retire at age 62 with $4.8M in inflation-adjusted dollars.

Yuri_CPL

ill buy VOO and chill why did i get into that memory shit

Fitasianwife

I know everyone knows this but the term wealthy is not defined here or in the comments. My 12 yr old thinks $1000 is wealthy-my wife born in a village in china thinks $10m os wealthy. Steady to an etf like VOO, or others, makes sense even in lost decades like the 90’s. You will achieve in the end.

UniqueAd1152

First build up your VOO and QQQM to around 100k. That is your foundation. Then depending on your risk start investing in individual stocks. Simple way is to save up and buy MAGS when they retrace to their 50,100, 200 moving averages. If your risk tolerance is more you can pick high beta stocks , but it has to be a small percent of your entire portfolio. But you have to he watching them, take profits, cut losses accordingly. Learn some technical analysis

brown-ale

Risk vs Reward. Single stocks can be great but a reminder that there's no crying in the casino. ETFs like VOO, VTI or even VT should be your foundation (say 50-90% of your portfolio, depending on your situation)

hadtolaugh

Still an obvious buy IMO. That and VOO are my only weekly automated buys.

Vilgan

Losing 3k when you are 23 and living from home with low income really hurts. I'm sorry that you experienced this. Hopefully in the long term this will be a lesson that will provide long term benefit. When you are young, the common advice is the following: 1) Invest in yourself. Education. Skills. Training. Anything to move up the ladder faster or pivot to a higher paying job. 2) Extra money goes first to an emergency fund. Think high yield savings until you have about 3-6 months expenses. 3) Assuming debt is paid off, invest the rest in VOO. Spend your mental time/energy/effort etc on growing, learning, relationships, career, etc. Making x% on a small amount of money is relatively low return on investment. You can just make whatever VOO makes and invest your time/energy in things that will be WAY better in the long run.

Vilgan

Losing 3k when you are 23 and living from home with low income really hurts. I'm sorry that you experienced this. Hopefully in the long term this will be a lesson that will provide long term benefit. When you are young, the common advice is the following: 1) Invest in yourself. Education. Skills. Training. Anything to move up the ladder faster or pivot to a higher paying job. 2) Extra money goes first to an emergency fund. Think high yield savings until you have about 3-6 months expenses. 3) Assuming debt is paid off, invest the rest in VOO. Spend your mental time/energy/effort etc on growing, learning, relationships, career, etc. Making x% on a small amount of money is relatively low return on investment. You can just make whatever VOO makes and invest your time/energy in things that will be WAY better in the long run.

Fitasianwife

Why don’t you buy VOO and QQQM forever and listen to no one, including me. I’ve lived through up’s and down’s, lost decades, 18% mortgages, and getting $20m, is doable in a lifetime-don’t get a divorce!

Gain_Spirited

I'm 61 and started investing in my early 20's. Every time I tried something risky I might have been happy for a while but I eventually got burned. I would have a much bigger portfolio right now if all I did was put it in index funds like VOO and QQQM. So my advice to you is to keep loading up on those index funds. They will give you the best return in the long run and you don't have to think about it.

therealjerseytom

> I keep hearing people say that if you want to become seriously wealthy, you need to pick individual stocks and that ETFs won’t get you there. Who's telling you that, and what do they know? With regard to risk, even if you're not looking for "the next NVIDIA", you can experience **complete and total loss of your investment.** It's no joke. Even big, established, household-name companies. They can still exist after a major economic calamity or financial struggle, like after bankruptcy restructuring, and you can be left *completely wiped out.* So that's one risk. You also have the very real risk of doing a shit job of picking companies, and you underperform the index - this is what happens with most people. > I’m mainly wondering whether I’m being too conservative by sticking with VOO/QQQM at my age. There is absolutely nothing conservative about this. Up until *very recently*, to be 100% equities would practically be wildly reckless at any age. There's a lot of recency bias for anyone under 35-40 who have been living in the easy money era of US stocks been a rocket ship.

Finance_EssentialsAR

22 with 15000 in VOO and QQQM, contributing regularly is not "too conservative"; you are already ahead of most people with that The whole "you need to invest in individual stocks to get rich" is a meme, because most people, even those who invested in individual stocks, made their money by buying the next NVIDIA before it went to 800$, but they also could've bought the stock that failed to deliver anything and just stagnated for a decade. VOO, QQQM, and other indexes already include all the companies that will deliver the most profit, including the future NVIDIA, but without risking nearly as much money into the failed experiments. About individual stocks: most people who have long-term investments in individual company stocks usually buy some as a part of their index funds, in much smaller proportions, because it's really hard to estimate how much you can lose if the company goes to 0$ (which will happen to most of those stocks) and how much you can make if the company does well enough. It's less of a question of "how much can I earn?" and more of "can I really risk this amount of money on this particular company?" Nothing wrong with staying 100% index funds either. "Get rich slowly and reliably" beats "swing for the fences and maybe get unlucky" for most people, especially this early when time in the market is doing most of the heavy lifting. If you want to see that play out with real numbers instead of just taking my  word for it, I built a compound interest calculator that lets you plug in your own contribution and timeline: finance-essentials.com/calculators/compound-interest. Watching what an extra 5 -10 years does to the ending number is honestly more convincing than any stock pick argument.

Muy_Division

With only VOO and QQQM, you’re very overweight tech and com services. It’s probably fine since you’re young, but personally I’d add some small and mid cap, as well as international equities. We’ve been in a long running bull market but there’s been some rotation happening lately, where small caps, large cap value, healthcare, financials etc have been outperforming large cap growth (VOO is considered a large blend but since it’s market cap weighted, it tilts towards growth, and QQQM is explicitly large growth ex-financials).

IputSwitchesOnGlocks

Save yourself and just buy VOO, VOOG,QQQ or QQQM. Don’t overthink it bro. Why buy anything other than the s&p

AetossThePaladin

VOO and QQQM is a classic combo, you will be fine long term. Market fluctuations are normal.

Cruian

>mostly in VOO and QQQM On including QQQ(M): Remember this has heavy overlap (over 80% by count last I checked) with the S&P 500 or US total market. **Look only at the inclusion criteria, not past returns** (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense. What about international? >I keep hearing people say that if you want to become seriously wealthy, you need to pick individual stocks and that ETFs won’t get you there An uncompensated risk is one that doesn't bring higher expected long term returns. It should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ >An uncompensated risk is a risk that you can diversify against. * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk or if that doesn't work, the archive link: https://web.archive.org/web/20260107205255/https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an **individual company,** sector, or country. (Bonus extra on that last bullet: single country is an uncompensated risk) How many people try individual stocks and end up "failing," at least compared to broad coverage index funds? >I’m mainly wondering whether I’m being too conservative by sticking with VOO/QQQM at my age. 100% stocks is not conservative, but you are taking on some uncompensated risks and likely leaving out some compensated risks.

Serratix

You will do VERY well with VOO/QQQM Single stocks are more so a bet, they can do amazing, but they can just as easily do horribly, or the entire company can go under. I would advise doing at least 80% in ETFs and then maybe 10-20% in individual stocks if anything

__redruM

What point are you trying to make. Yes most of the Mag7 will still be around and certainly in VOO. But it’s hard to imagine TSLA standing the test of time. And certainly 3-5 new companies will be added and pushing companies like TSLA off.

giraffe_wrassler

“Oh maybe this is just his fun/yolo portfolio and he has 95% of his money in VOO somewhere” thinks the lady on the 1-800 number when I’m calling about an error on 1/ my 4 accounts

Lordblack1400

If you own VOO you can get drunk mid day and pass out then wake up not tripping on the market

Czyzzle

buy VOO shares and stop trading

ErrorOwn4622

Hi not exactly sure what you're asking but I just added the following at the end of the post >**How will this analysis impact how I approach IPO Access?** I've tried to participate in three Robinhood IPOs: 1. Robinhood ($HOOD): requested and received \~40 shares. Still hold it (+149%) which has outperformed the sell after day 31 and buy VOO strategy (+80%) 2. Expensify ($EXFY): requested 180 shares, received 0 luckily since it has been a dog (-93%) 3. Figma ($FIG): requested 500 shares, got \~60. Should have cashed out for a +98% profit on day 31 but held it and ended up breaking up with it about a week ago for 35% loss. After digging into these numbers, I plan to buy select IPO access stocks that I think could do well but unless I really understand the business and believe in the valuation at day 31, I will sell. For example, with Figma, I've never used the product and don't have enough expertise to justify holding that over VOO. IPO Access has just been fun money for me. The majority of my investments are VOO, some VXUS, individual big tech stocks, and t-bills. If I was smarter I'd just stick with VOO + VXUS for equities.

MakeASpreadsheet

I’ll be holding MSFT for the next 19 years, at a minimum. I don’t sell stock. I buy and hold. I also only buy Google, Microsoft, and VOO. For me it’s less than 5% of my portfolio, so I don’t mind the “gamble”. But I think it’ll work out.

Haywood04

Investing in the stock market isn't meant for "income" until you are nearing retirement. You're gambling, and losing. Hopefully you have learned some lessons. I'd argue there is nothing wrong with taking a little extra risk and messing around with a small position in some individual stocks or sector ETFs while you're young, but you shouldn't be messing with options. Options are basically pure gambling where you don't even know the odds. Sounds like you still have somewhere around $20k in your retirement accounts, which is good. Hopefully those are in simple index funds, and not individual stocks or crazy ETFs. ***That $3k isn't life-changing money today, but it could have grown to nearly $200k by retirement if you had just left it something like 75% VOO & 25% VXUS...*** [Here is a link](https://www.calculator.net/investment-calculator.html?ctype=endamount&ctargetamountv=1%2C000%2C000&cstartingprinciplev=3%2C000&cyearsv=42&cinterestratev=10&ccompound=quarterly&ccontributeamountv=0&cadditionat1=end&ciadditionat1=monthly&printit=0&x=Calculate#calresult) showing what you lost in retirement by gambling that $3k today. The fact that you are so young means you can take the simple approach of just invest in the market and be fine, honestly better than fine. It doesn't require using risky options, or gambling on individual stocks at all. Just keep things consistent and simple.

I_work_too_much

VOO

Disheveled_Politico

Learn that gambling is really dangerous. Don’t do risky trading, don’t put money on the Jets to win the Super Bowl, stay away from prediction markets. Put the Roth and the 401k in VOO or Google or something smart. 

danceswithsteers

Until you *know* you know better, just chunk it all into a broad-market ETF (VOO, IVV, VTI, etc.) set it up to reinvest dividends and forget about it for a while.

neurone214

I think your very first question of your first post was the right one “what are these actually worth?”   I’m a professional investor (in a specific industry) and this is far and away what retail most consistently misses. There’s no rigor, no valuation analysis, it’s all just following trends around hype trades. I can’t blame people because it’s hard work and if you’ve got a day job then it’s unlikely you have the time to do it. It’s just annoying when instead of just admitting they either can’t, won’t, or don’t have the time to do the work, they start blaming these shadowy forces trying to keep them down.  For clarity, this is what I’m reacting to here. I do think most people should be in VOO or some kind of index fund. As a case in point, outside of a pure quant strategy I run on the side, and individual companies I invest in at work, I’m just in ETFs because I know I don’t have the time to diligence a company or run a valuation analysis outside of that. But that’s an active decision; I don’t think big brother is making me do that, or something. 

NAVChaser

My 401k is 90% VOO and 20% SGOV. My Robinhood account was all ignorance. That's why I sold it all

Acroninja

Just buy VOO regularly, set it and forget it. That 3k will be a drop in the bucket and you won’t even care in 20 years

YardComprehensive215

VOO and chill seems like a better  plan 

jrex035

How does anyone trust their money with that woman. Just one terrible decision after another. ARKK is down 41% over the past 5 years despite QQQ being up 85% and VOO being up 68%

TreGet234

VOO and chill supremacy.

youngsimba320

Maybe it was VOO and chill all along

Familiar-Mall1696

I'm a newbie investor of less than 1 year. I've bought stocks in exxon mobil just for the dividends. The stock by some sheer luck has grown now lol.. I plan on buying more as I'm bull-ish on exxon mobil. I split it between buying VOO, SCHD, QQQM and VTUX ETFs, around $500 a month as security. Currently up to $6000 invested over the past year with ~20% gains. Wish me luck on my investment journey bros.

Technical_Scallion_2

Hey, all my money is in VOO, but I do feel bad for people with full ports in semis/space. It's indeed brutal for them and today looks even worse

Embarrassed-Sky6890

VOO

No-Case-2212

Nice work. We are around the same age. Start buying VOO as much as you can, as often as you can, and don’t look back.

Wide-Contribution-29

At least with SPY you can sell calls and puts Options for VOO has shit liquidity 

ImJustaHere

Yeah but it’s the same stock with the same 500 companies, VOO is just better

Perfect_Painter_7863

Its the market just reminding you why you just VOO and chill

Alarming_Daikon_1630

if making money in the options was simple and repeatable, there’d be a lot less regards such as yourself in this place. Easy and repeatable is buying VOO shares.

GneissFrog

Kospi still up more than 40% ytd. I live in Seoul and I don't think ya'll realize how unbothered most people are. If the 'VOO and chill' crowd was up 40% on the year, what do you think the mood would be? People here aren't freaking out about a double digit swing in KOSPI. This is just entertainment and watercooler talk for most people, par for the course. Kinda reminds me of those NK incidents a few years back, with Western media freaking out about NK's artillery and missile capabilities while SKoreans were just chillin' and wondering what the big fuss was about.

GneissFrog

Kospi still up more than 40% ytd. I live in Seoul and I don't think ya'll realize how unbothered most people are. If the 'VOO and chill' crowd was up 40% on the year, what do you think the mood would be? People here aren't freaking out about a double digit swing in KOSPI. This is just entertainment and watercooler talk for most people.

Khonsku

Spy expense ratio is high and dump it into VOO

Phareswheel68

Thank God I'm broke and can't invest much I'm going to VOO so fast the second I can.

GoogleB4Reply

SPY and VOO are beating the average retail investor by a 20-ish point spread this year

reddituserzerosix

take me back, i will be responsible and buy VOO shares this time i promise

RexLaminaII

VOO is for the previous gen. Its QQQ and chill now

Utilize3372

Might be time for me to VOO and chill. Pretty tired of being this market's prison bitch.

I_work_too_much

VOO and moan piteously in despair didn't have the same ring as VOO and chill admittedly.

Careful-Hornet8525

It might be a little easier on your nerves if you simply put in 10% of the money into an index ETF like VOO and average in over 10 quarters or months or whatever your gut can handle. If it shoots right up, at least you got started and if the bottom falls out, you’ve got lots of dry powder to build out your position on the cheap.

Kentuckyquestioner

Sell SPY and SPCX and put it in VOO

thedudman69

If you don’t invest too much or are not savvy, I’d consolidate your positions into just VOO until you learn more. VOO and SPY are redundant. VOO is the better of the two simply because the expense ratio is 3x more expensive on SPY. I’d literally sell the rest. What is .065593 shares of LLY going to do for you long term? The key when you’re starting out is to invest as often as possible, on a regular basis no matter if the market is in an uptrend or a downtrend. Consistently buying ETF’s of market tracking funds is a proven wealth-building strategy. You never have to worry about what your exit strategy is like you do when you own individual companies. Plus it reduces the volatility of your account. Just stick to ETF’s/index funds. SCHD has underperformed the SP500 by a large margin over the past 5, 10 or however long you want to back test it. Even with dividends reinvested. Once you’ve built out a solid core fund, then you can maybe think about individual stocks. But I wouldn’t delve into individual stocks starting out personally. Unless you full port into one stock that you have severe conviction on. I have a friend who full ported NVDA, then took his gains over to Micron and he grew his account from like 5k to almost 100k in like 3-4 years time. But those cases are anomalies. TLDR; if I were you, I’d sell everything except VOO and put the proceeds into VOO.

IvoryHorizons

Drop spcx its trash Honestly if you want to just do it without thinking just go VOO, SCHD is amazing but it’s really only for nearly retired/retired folks and is a safe dividend focused fund

Joe-Exotic_

Why do you have SPY and VOO lol

Jabjab345

VOO and SPY are the same thing, why own both? VOO has lower fees between the two. And while you're at it just buy more VOO in general vs individual stocks. Why do you own SpaceX? Don't get suckered into meme stocks, especially not SpaceX since it's probably going to keep dropping. Not a fan of Berkshire now that Buffet isn't at the helm.

infinitum_nimis

Damn Whatchu mean ONLY?? You gotta learn to stop gambling and just buy VOO or something man

Martery

Whichever one gets better tax treatment for your specific country. Taxes far outweigh a paltry 4 point (say, VOO vs VUAA). Liquidity also isn't really a concern, it's liquid enough for all intents and purposes.

i_empathetic

Pfft no fuckin' way man, that's a very low rate. You think you can beat 3%? I certainly think you can. VOO and chill will beat 3%. Mom is super wrong on this one. Unless you're a 0DTE gambler and you're going to lose money, then she's right.

Cathie_Woods_Tamp0n

VOO vs VFI vs VTI?

Maleficent_While2653

Where are you getting these numbers from? [https://totalrealreturns.com/n/VOO,VT?start=2021-07-26](https://totalrealreturns.com/n/VOO,VT?start=2021-07-26) BTC has returned 62.59% over the last 5 years. Nobody said it has to have infinite returns. But given the risk investing in BTC, you should expect higher returns than a basic index fund. Otherwise what is the point?

therealsilentjohn

> returns on BTC are rapidly diminishing Nobody ever said it would be infinite returns. That is silly. That is a silly argument. With *any* asset, the most outsized gains will be when it is a new asset. Bitcoin's mcap is $1.303 Trillion ... it's not going to move like a small cap asset anymore, > to the point where it's 5 year return is now lower than both VOO and VT |Asset|5-Year Total Return|5-Year Annualized Return (CAGR)|Data Source Date| :--|:--|:--|:--| |**Bitcoin (BTC)**|**~146%** (Estimated)|**~19.7%**|July 2026 (Derived)| |**VOO** (S&P 500)|**+46.75%**|**+7.97%**|July 23, 2026| |**VT** (Total World)|**+32.94%**|**+5.86%**|July 23, 2026 ---

Maleficent_While2653

Even if it hasn't peaked, you can clearly see with your numbers that the returns on BTC are rapidly diminishing, to the point where it's 5 year return is now lower than VOO.

Mavnas

The market did, but not a lot of individual stocks. We're not VOO and chilling in this sub now are we?

Popping_Shaker

I am looking for some set and forget setup, and keep putting money in steadily. I guess the simplest answer is VOO and companies like TSMC ?

cinJESUS

thank god i have VOO nest egg in my IRAs and 401k 🫡

Gimme_All_The_Foods

Meanwhile the performance of VOO over 10 years is 321%. Keep cooking!

mighty_sys_admin

trading VOO instead of SPY in the roth ira

NoCommonDog

Oh for god sake, just go full port memory stocks, make a million dollars in the next 12-18 months, take profits and buy TIPS, gold, and VOO. After that you'll only need a part time job to get by comfortably.

LemurLord

I've been investing long enough to know SCHD is never the answer, might as well throw it at VOO

zxc123zxc123

I always get confused why everyone suddenly treats it like a game where the S&P500 as the bar. If that's the case folks should just do the following: 1. VOO + 10% margin 2. 90% VOO + 10% SSO 3. 90% VOO + 10% QQQ 4. 90% VOO + 10% 1 stock that outperforms it 5. 90% VOO + 10% VOO LEAPs 6. VOO with you running CC 0% APR promo arbitrage 7. 90% VOO + 10% ES futures 8. 100% VOO + selling far OTM puts 9. 100% VOO + selling far OTM calls 10. Any combinations of the above. Then you'll ALWAYS beat the S&P500, but let's not fucking dick ride an index or VOO like it's the end all be all of investment. If anything, you're just running over weighting US in a period where the US has seen heavy out performance. Treating VOO like some holy grail over VT is no better than those guys treating QQQ has a some holy grail over VOO. Let's all just delete our accounts, turn off our brains, and 100% auto invest everything into VOO! /s

Mud_Hat41

use your little brain. The trade is short a baseless rally. They've all faded in the past couple months. We are traders. Go back to VOO subreddit. goof

Huffnpuff9

If you're digging symmetrical triangles... check out VOO right now

Dragonsven

Just be patient. I would not buy gold today but I have bought gold many times and I just hold. I've also bought VOO/VTI/VGT and many other ETFS which I would not buy today. But I am patient. I buy when I buy and I hold. The most important thing is to not pay attention, it will mess with your mind and you'll make bad decisions. Be confident in your purchases and just hold. If you need the money immediately you should not be investing it.

Ahamadrayasbaboon

Buy VOO, wait 8 years

ErroneousEncounter

Always been a long term investor but the current situation gives me pause. I was a VOO and chill guy until Trump took office. Saw what he was planning and pulled my money out before he announced his tariffs. Turned out I was right and timed it well. Bought the dip, did fairly well. Started doing more market research. The books that recommend a slow passive distribution of earnings into the total market are correct of course. But there is little to no disadvantage to pulling your money out of the market or at least re-distributing it to safer investments, ahead of an expected downturn. So long as know what you are doing and you time it right.

IntelligentKey6929

Your grandfather should be in very conservative products. You, however, should get in the market ASAP. Just buy something like VOO or VT and let it ride for 40 years.

FrugosPeach

i would assume gold takes a few years to recover in price. At least a year or two.. if you can stomach that then you’ll probably recover your losses down the line. If you can’t stomach that then I’d probably put it in VOO or VTI etf and forget about it for a while.

Initial_Ad_9250

My therapist told me that my obsession with "Bipolar baddies " might conflict with where I want to be in my life. Wtf, I bet she has a port which is all VOO or something worse like Ford , oh my god.

Camile_Washington

I'd first think about what kind of risk you want. VGT isn't just more risk, it's a bigger bet on tech and many of the same mega cap names already in VOO/VTI. In other words, the risk is more concentrated in one sector. Before making a switch like this, I recommend checking the ETF holdings and sector breakdown. I do that on moomoo since it helps me see whether I'm changing my exposure or just doubling down on the same names.

BillyP42

Your treatment = putting all $1.5M into $VOO and deleting that goddamn app forever. Good job / insane luck, don't fuck this up.

No-Condition5198

The thing worth checking first: QQQM and VOO overlap way more than it looks. VOO is already \~30%+ tech and its biggest holdings are the same mega-caps as QQQM — so shifting some QQQM into VOO trims your concentration a lot less than you'd expect. So the real question isn't "QQQM or VOO," it's "how much of my whole portfolio do I actually want riding on semi/AI/tech?" Pick that number first and the split kind of answers itself. Worth pulling your true sector weights across *everything* you hold too — most people are more concentrated than the ticker names make it look.

No-Condition5198

Alerts at 20 will fire constantly and you'll start ignoring them. I'd only set one at 30 and up, since that's the rarer level that actually lines up with the dips you're trying to catch. But since your real goal is buy the dip, I'd alert on the drop. Set a price alert on your S&P 500 ETF VOO/SPY at levels that are 5% and 10% below the recent high. Most brokers do this for free

Affectionate-Drop689

whats boring VOO? or in mag 5 individual

ra__account

If anyone could accurately predict what stocks would have a substantial return on investment in a week, they wouldn't be giving it out on Reddit for free. You gambled on Bitcoin based on "hope". If you'd put that same money into VTI/VOO/equivalent, you'd have a healthy return on investment now. But that takes time, not a week.

DigitalArbitrage

The advice to OP should be put it in VOO specifically, because some index IPO rules (like QQQ) have been changed recently to steal from retail investors holding an index.

infinitetekk

Nothing is immune to market fluctuations but during bear markets is the perfect time to start DCAing VOO in my opinion

SpiderWil

Fact. Although VOO is immune neither to this stupid bear market.

derprondo

Jesus christ dude just stick $1M in VOO, pay your taxes, then gamble with whatever is left. Don't ever touch that $1M again unless it's to buy real estate you need to live in.

mikestorm

From ChatGPT Using today's date (July 25, 2026) and assuming: Initial investment: $500,000 Investment: VOO (Vanguard S&P 500 ETF) Purchase date: July 25, 2016 All dividends reinvested No additional contributions or withdrawals Your investment would be worth approximately $2.1 million today.

67camaro427

Listen.... take that shit in VTI/VOO (or your lower risk ETF of choice) and chill.... i didnt read the posts but im sure others said the same.... the chances of you not losing it all is slim to none.. dont be an idiot. I know the feeling you have now.... you are gonna think your gonna make it to 5m or 10m gambiling like this... ive been there and lost it, regret it every fucking day.... EVERY FUCKING DAY!!!

Glittering_Event_309

Welp if Warren Buffet said it then it’s probably true \~ Some retard trader who only buys VOO