VOO

DougSimpadome

The stock market. Spend time, learn about it, and invest in $SPY, $SFY, or $VOO and let it ride until you need it for something. I bought a Lexus like that

Easik

It's pretty terrible to be honest. You have a bunch of the same thing, which makes it pointlessly complicated. Convert SCHG & SPM to VOO Convert FDIG to VXUS Convert ETHA to IBIT 70% VOO 10% VXUS 10% GLDM 10% IBIT This gives you basically the same risk profile, but you have international markets, which matches your currency debasement trade.

CherryRoutine9397

Honestly, yes, it really can be that simple, and that’s the part that feels uncomfortable when you’re doing it right. When most of your net worth is already in a broad index and you’re consistently adding, there isn’t much “strategy” left to optimise without increasing stress for very little upside. At your income and net worth, the biggest risk usually isn’t under-utilisation, it’s overthinking. You already lived the stock picking and meme phase and saw what that felt like emotionally. If throwing a few thousand into VOO each month lets you sleep at night and stick with it long term, that’s a feature, not a flaw. The only real questions worth asking are boring ones. Do you want some international exposure for diversification. Do you want a small cash buffer so you’re never forced to sell. Do you want to automate more so you’re not thinking about it at all. None of those change the core approach, they just make it easier to stick to. Most people with your numbers don’t need a new strategy. They need patience and the discipline to not mess with something that’s already working.

taplar

The long term growth of SCHD vs VOO, including dividends, when viewed on morningstar shows a range from 2011 to current. In that time, SCHD has grown 427% while VOO has grown 620%. There was a brief span of time in 2022-2023 where SCHD had grown more, but other than that VOO has essentially stayed on top. I'm not sure why you think that behavior is expected to change in the next 15-20 years.

Heyhayheigh

Switch it to weekly. Instead of 2k a month, do $500 a week. Work to increase the weekly. Only sell when there is something urgent to pay for. The chill part of VOO and chill is the hardest. You can do the same with stocks you like also. Set to an auto weekly buy. But the major part should be VOO or QQQM. Spend less, invest more auto, don’t panic sell. That’s all you have to do. You’re doing GREAT if you’re doing this already! I started after you and life is easy now. It doesn’t take long for you to get it. Best of luck!!

wonky_deagle

Thanks!! I’ve already started investing in some basic ETF’s which I’ve heard are good and I’m starting to learn and find out why they r actually good and stuff. I’m aussie so I used betashares direct for these and they don’t do international, so yeah I’ll have to open the fidelity thing. I also owned a few shares on Superhero but they don’t do fractional investing and not really in a position to be putting 600 bucks per share of VOO in one transaction. I guess a ill just need to open a fidelity account it’s just a tad annoying with everything all over the place

dritu_

SPMO is a momentum fund, not passive index like VOO. It gives factor exposure.

Heyhayheigh

While you are reading, open a Fidelity account and setup and auto weekly buy of VOO. Then work to increase that weekly buy amount. Only sell if you have if you have an urgent expense to pay for. That’s it, that’s all you really need to know. Sure, you will learn more as you go. But if you never learned anything else, that would be enough. Best of luck!

Uxepro

Thanks! Yeah i'm Italian so i don't have access to US tickers. VWCE is an all-world ETF, probably the closest US one would be "VT" You can't really go wrong picking an all world whichever it is (VOO, VTI any S&P) If you are European like me, VWCE is a good and reliable ETF. I too invest 300 eur a month! That's a good resolution, your future self will be happy and proud. Never stop whatever happens

germandleono

TSLA 10 shares, PLTR 31, META 11.01, AAPL 41.05, AMZN 39, GOOGL 48.04, MSFT 26.04, NVDA 10, ETFs VXUS 63.31, VOO 15.04, VGK 187.49. Total portfolio \~98k, up \~20% overall. I know it’s tech heavy, that’s intentional, ETFs are my stability layer. Biggest winners have been TSLA and GOOGL, META and MSFT lagging. Would you rebalance into more defensives or small value, or keep riding mega cap and let the ETF exposure smooth volatility? Also, for international, is VXUS + VGK redundant or a reasonable tilt?

Swimming_Cookie7

Exactly - no double taxation. So your tax for Ireland domiciled funds is lower than if you buy VOO. My point remains, don’t buy US domiciled funds unless there’s no Ireland domiciled equivalent.

kwijibokwijibo

You aren't investing enough for it to be worth worrying about. You would make a lot more if you put that mental energy into working smarter and getting a higher wage Park what you have in an ETF like VOO, and leave this sub until you have a lot more to invest

BunnyWiilli

It’s “free” if it corrects down and you buy back your shares while keeping enough for taxes and some amount of shares of VOO. If it doesn’t correct down then you still made the smart play and took profits on an incredibly speculative stock while still retaining most of your position.

Arcabyte

Just put it in VOO and forget about it.

BunnyWiilli

You should sell a decent amount of your shares and buy back when it corrects to around $80-85 and use the profits on yourself (if you wanna splurge) or grab some free shares of VOO/GOOG/NFLX/AMZN

Exact_Towel5912

I hope this aged well. VOO is crushing it and Robinhood has really turned in to a great user friendly brokerage

Jarl-Jarl

Passive investors calling dividends a trap lmao. Investing isn't black and white, you can have both, growth and dividends. Money now and money later. Passive investors aka VOO and chill people will tell you BuT muH tOTal reTUrns, not realizing any gains until there 60-65 working their whole life with their only income being their job.

Ok_Macaroon6934

It does if you're eating sushi. Every investment choice comes with a opportunity cost. For an investor deciding to embrace VOO, they could instead get a very similar but higher-performing/ethical **outcome** through IWLD. The underlying thesis is very different, but on a perfomance and sustainability measure, IWLD is a great example of a passed-over opportunity because of 'VOO and chill'.

chris_ut

Take your winnings off the table and stick it in VOO or QQQ.

therealjerseytom

IMO makes no sense to hold both VTI and VOO. Also makes no sense to hold something like FSELX with capital gains distributions when you can find a tax-efficient ETF with very similar performance. Is there a reason why you want a growth tilt right now? Knowing that "growth" doesn't mean that it will literally have more investment appreciation. Why are you overweight US equities? (Versus the total world market cap). Have you considered asset classes beyond just stocks and bonds?

playstationjeans

It's very easy to make money, it's also very very hard, to keep that money. I say focus on advancing yourself first, while leaving it in VOO, or something to separate yourself from the gambling thoughts.

yourbikash

I just took care of this 'problem' last week. 3 of my stocks - NVDA, PLTR and RKLB- grew 10x and were about 35% of my portfolio. I just sold 30% of each in first few days of this year and moved some of that money to VOO, some to Google and some to other high risk/reword stocks like ASTS, LUNR, NBIS, IREN etc. I actually sold 30% of PLTR and RKLB about a year back as well and they have more than doubled since then. Hurts a bit but I guess, that is smart. Also, I wanted to pick other high risk stocks.

Ok_Structure1184

Since Sept when it rebalanced, it has been in the same range. Hasn't "outperformed" VOO. 

zarth109x

If you have a 72% return, then that means you're gambling with options trading. Quit now while you're ahead and park it in an ETF like VT/VOO. You'll be set for life.

DaLonelyOne1

You don't lol. Or you could put that 21,000 into VOO and assuming 10% returns, and I didn't even factor in the dividend reinvestment, you could give her the 100k back in 16-17 years lmaooooo

_galaga_

The keep your head down and continually contribute approach is great. Might help to list symbols in addition to or instead of fund names and also use % instead of currency. Obviously you’re starting with 1000 here so it’s easy for even my feeble brain to do the math but if you read around here a lot you’ll see examples like: VOO 50%, SMH 25%, SGOV 15%, IBIT 10% as that’s concise and easy to give feedback on. I agree with the comment poking at your dividend focus. There’s probably a better alternative for your largest fraction from a long term growth perspective. I like SMH, it’s been good for me, but there’s risk since it’s so tightly tied to AI/AI CapEx. My last comment is a little contradictory, I like that there’s some risk/reward with your smaller chunks but I also think your main chunk could be larger for stability purposes. Not necessarily Three Fund Portfolio proportions but higher than 35%.

AmazingDays-

If your collateral is in cash, yes, you stop earning interest on it. But if you have it invested, you can use it as collateral and still earn the interest over the investment. You have a knock down on the maximum collateral you can have from that investment though, but if not too risky, it is not too much (25%). In my RH I have a lot of money siting in VOO and SGOV, zero cash, and do all my option trading on the collateral the SGOV and VOO provides. Math simple, if you have 100k in SGOV and VOO together, you can trade options using up to 75k of that investment as collateral.

humdinger44

Individual stock picking is not correlated to long term investing success. Whole market index funds held for a long time are. Consistently hitting the market average is something to celebrate. It's easy to do these days and nearly entirely stress free. Professional stock pickers struggle to beat the market average and they can't do it consistently. Chances are you're not better equipped or more well informed than a professional broker working at a big firm. Brokers have good years and bad. Retail investors have good years and bad. If you're hitting the market average you're doing better than most. VOO, VTI, VXUS or just wrap it all together and go for VT.

pennychase

Age/years left until retirement? Assets? Salary? Inheritance money coming your way? And more... Factor all these things to decide the level of risk you want to take. Myself I have 35K invested which represents a 10 months net salary today and I have 20 years before retirement with 150K in real estate and inheritance of $500K in real estate maybe coming in 15 years. If I put my 35K in VOO I can maybe get 150K after 15/20 years nice but it won't change that much really. And worst case scenario if I loose my 25K of my 35K investments it's not big drama on the big picture. I can wait 20 years to get money to retire or I can risk more like 25K to maybe get 150K or much more -who knows- within couple to 5 years. I'm willing to take risks.

tadpolefarmer

Thanks for your response. I agree, my decision to invest in this way is based on several reasons one being that DCAing the S&P 500 is a Buffett approved strategy for long term portfolios, the USA is one of the most business friendly and entrepreneurial jurisdictions and the S&P 500 is a basket of the top 500 highest quality businesses on the planet, as well as the sheer simplicity of it. I guess in terms of hedging currencies for such a long term view as I have of 20+ years is probably a waste of my capital as it’s not guaranteed I will always be in Britain and trying to predict the movement of currencies is contrary to the “VOO and chill” ethos which seeks to limit complexity and cost in favour of a strategy which focusses only on owning a slice of high quality businesses. Hedging the investment only makes sense if I am trying to manage risk and having the long term view I do does not warrant spending the extra capital taking a hedged position. By the way why are you “crying in Turin?”. I am due to fly there soon to go skiing in Italy.

bad_detectiv3

For real, looking at my stocks from 2025, I’ve been thinking I should have just bought ai tech stocks and not tangent industries since the entire market sentiment really is around companies that shout all about AI Sold Reddit, UUUU killed my call option by late December, UNH at mere 2% gain, hood is in red These are all around the time I moved away from ‘buy and hold VOO’ in October 2025. I guess going all in with Googl might be worth it for remainder of the year and it’s already at its new or near ATH

Dimbo_limbo

Who do you think are the biggest owners of the S&P 500. I’ll tell you: -Vanguard -Blackrock -Slate street VOO and chill still feeds into a system where more and more of the world’s productive assets end up concentrated in a few massive corporations.

Heyhayheigh

Just VOO and chill. Buy auto weekly. Sell only when you have something urgent to pay for. You don’t need to think to this degree. In fact it is unhealthy to do so. The way crypto behaves is basically how it worked back in the day when banks each created their own currency. Super booms and busts. It eventually stabilizes. You’re only taking in the negatives and not recognizing the prosperity brought by these systems. It might just be better for you not to think about it.

Heyhayheigh

You have almost all your money in VOO, you want to change that. How will you change that without selling VOO? Are you still sure I misread? It’s fine, you don’t care to listen, best of luck to you sir.

leaning_on_a_wheel

VOO alone is well diversified

Heyhayheigh

Why do you want more diversification? Buy VOO on automatic basis. Volatility is a feature to the automated investor. Keep cash equivalents for stuff you will spend in a year or two. VOO and chill with the rest. That’s all investing is. It isn’t some magic recipe that if you get the % right you will be happy. Diversification is for safety, not over performance… you’re 30, not 60. The simplicity of VOO and chill and the ability to scale it is fantastic. All that complicated stuff will have you growing less. Best of luck.

SirGlass

VTI is like 85% VOO + 10% cap + 5% small cap. Meaning holding both only reduces your mid/small cap allocation. Meaning with your allocation you are actually holding like 95% large cap VOO 3% mid cap 2% small cap. That mid/small cap exposure is so little it won't matter. I would just go 100% voo if you don't want small/mid cap exposure

taplar

Is there a reason you are doing VOO and VTI instead of just VTI?

Exponential-777

ORLY because it's fun to see ORLY in the portfolio. It's 15% off it's 52 week high so now is a good time to buy ORLY. Strong buy rating from everyone. Eats VOO for brunch. [https://stockanalysis.com/stocks/compare/orly-vs-voo/](https://stockanalysis.com/stocks/compare/orly-vs-voo/)

clingbat

Anything could make more sense than what I'm doing. Our 401k's are in VOO equivs and taxable account is nearly all in VT. It's just our Roth IRAs that are all in on VOOG which have done better than VOO but they are a small % of our overall holdings due to contribution limits (we backdoor but don't have access to mega backdoor).

ForgiveMeImStupid

I’m in my early twenties and a year away from graduating college. I have weekly reoccurring investments in VOO and VTI and have about 3K 70/30 VOO/VTI. Is this a good investment plan just to keep those weekly deposits up or should I diversify more? I’m only looking for long term safe investment planning

CherryRoutine9397

Honestly VOO and chill still works fine outside the US, but it’s not optimal for someone UK based. The main issue isn’t performance, it’s structure. With US domiciled ETFs you get hit by 30 percent dividend withholding unless you’re in a pension, plus estate tax risk if you die holding them. That stuff doesn’t show up in returns charts but it matters long term. For UK investors it usually makes more sense to use UCITS ETFs like VUAG, VUSA, or SPYL. You still get S&P 500 exposure, dividends are either auto reinvested or taxed more efficiently, and you avoid the US estate tax headache completely. Currency risk is basically the same either way since the underlying assets are USD anyway. So yeah VOO and chill as a concept is fine. For someone living and retiring in the UK, the UCITS equivalent is just the cleaner version of the same idea.

Relative_Building_81

When investing for other people, you may want to play it safe and put it all in VOO. If there is a major down turn in the market, your mother is less likely to lose as much as in individual stocks and you wont as feel responsible.

baboolsindahood

Idk VOO is not what it used to be. You think you're diversifying but its not what you think. You're actually over 1/3rd in tech. Thats similar to the dot com bubble days. VTI is more diverse since its all the stocks. I think today you should also consider commodities, crypto, and REIT etc, possible hedges against the USD to truly diversify

CornerOne238

Oh, if we are limiting discussion to SCHD, brute force selling VOO shares will win every time, there's no question here. SCHD is not a good investment imo. I went single company as an example of quality dividend stock. In income community both MAIN and ARCC are as well established and known as VOO or VXUS in index investing. My point was that it is not hard to create an income portfolio using BDCs, CEFs, and/or MLPs that will provide sufficient income. If you are interested, I can replace the ticker with an income CEF that will produce similar results.

atoice

VXUS/VOO/VGT should do it - simple and no need to manage a thing.

NinjaChore

I just buy VOO and don't stress

AlgoTradingQuant

My day trading algos are tuned for small cap gainers/gapers with an RVOL > 5x My long term invest portion is mostly VOO

ITCHYisSylar

Thats it.  Thats all I do, other than various financial podcast more for entertainment.  Instead of spending time and energy doing that, I spend that time and energy working overtime, meal prepping instead of going to a restaurant, things to make/save more money to continue VTI or VOO and chill.   Sometimes when I legit worry about an upcoming recession, I put money in something that has a track record of being recession/crash resistant like MCD or Walmart.  Or if the majority is shitting on a sector here like big oil, which clearly isn't going away in the near future and still has long term potential, I may put money in that for a year or two.  But that is really it.  

junkrgNew

Please do not put your mother’s money in the same funds as you do. Your timelines are completely different. Just VT or VOO should be what you put her money in.

Faust8

On the US side I prefer VOO + VXUS, particularly with the current outlook. Outside of the US that means VWCE, which I believe has about 60% exposure to US stocks. It doesn't get much more chill than that.

IncidentSome4403

I’m a BRK.B and chill person but everyone saying VOO/VT and chill are also all correct. Should be the first answer to anyone new asking “what should I buy?”

Cruian

>Does it make sense for someone who is not state side to do “VOO and chill”? I don't even believe it makes sense for someone inside the US. I don't view there to be any good reason to ignore thousands of US companies and every non-US company. Single country risk is uncompensated risk. All in a total world fund though? Sure.

Ordinary_Skin7951

Totally agree. My wife took a buyout and refused to move it out of cash. After a couple years my son convinced her she was losing purchasing power. We put it in VOO and never looked back. Nearly doubled and she is very happy she decided to VOO and chill…

redditissocoolyoyo

Vug or VOO or VTI. Maybe vti.

Camembert_Ajillo

You should consider switching over to SPYL which is listed on the london stock exchange instead of holding onto VOO as a non-american citizen. SPYL physically tracks the SP500 with a 0.03% expense ratio but only receives 15% dividend withholding tax instead of 30% and does not have to deal with the estate duties after you leave this world. This is an accumulating ETF which meand dividends are auto reinvested by default and you do not even need to activate DRIP in your brokerage app. Good luck!

Laureles2

Do half VOO and half VGT (exposure to a lot of tech)

Blade3colorado

"Just go for the ETF and forget about it?" Exactly! Messing around with your mom's potential retirement money will potentially cause her to lose a lot of money; and worse, effect your relationship with her negatively. Play it safe and strongly recommend an S&P 500 focused ETF, e.g., VOO, VTI, etc.

EngRookie

>Not reading all that bahahaha the fuck hahahahaha?? and there we have it folks the idiot reveals that their greatest weakness is reading yet expects us to trust their obviously uniformed opinions on investing. I was right, stick to VOO and chill hunny😘

Best-Bee1402

I would just say find a good ETF like VOO. Reason for this is that it’s a lot safer than an individual equity and is diversified. returns are slower but risk is a lot less so you’ll most likely get an ROI.

MasterpieceLiving738

I’m glad you know to respect other people’s money. I’ve seen people almost force others to buy certain stocks because they believe in them that much regardless of how risky or speculative they are. To answer your questions I would say either all VOO or some combo of tech, healthcare, and an industrial (NVDA, NVO, and GE for example). Best of luck.

amg-rx7

If you don’t have time to keep on top of different positions just dollar cost average into VOO VTI or VT every month

amg-rx7

VOO and chill

GuyNext

Only index ETF like VOO, SPY, IVV. Unless you know how to trade actively with options and stop loss, it’s not worth it. You will lose lot of money otherwise.

timtam_z28

Gold and some other commodities are considered a hedge. If I think we're headed for a recession, I might buy a little bit more. Hypothetically you have 90% VOO and 10% GOLD ETF and that ratio continues to favor gold as you age to protect your wealth, better than bonds imo, gold and treasuries would be better imo. And better yet, say we really did have a recession and pullback, well now I have even more gold to sell if I wanted to, I'll go against Reddit's advice... I'll watch VOO go down 10 to 20%, then sell GOLD or treasuries and DCA at a higher rate into VOO during the pullback. All hypothetical of course.

therealjerseytom

IWLD is a completely different concept than VOO, mate. You might as well be saying, "Soy sauce is the quietly better version of marinara." Like it makes absolutely no sense.

inthehill

Right you are correct… I think your point is “everything” has a dividend? To your example NOBL didn’t break 10% last year and an expense ratio 10x VOO. NVDA’s 4 penny dividend is only to qualify for funds that require it. My point was to long term, high dividend investments will not keep pace. SCHD vs EQWL for example.

thesupahobo

The interesting thing about your question is that the most intelligent thing you can do is being patient when it comes to investing. Anything outside of that is less intelligent and may veer more into the of "gambling". The amount of swing trading and options are truly a waste of time trying to chase fast gains. But I would say the part that made me realize patience is key is essentially breaking even after 7 years. If I just threw that money into an etf like VOO fron the beginning I'd easily be up another $100,000+.

SirGlass

If you look at a dividend aristocratic fund it has approximate returns of VOO/VTI. However counter intuitively it does not have a high dividend yield , the dividend yield is just slightly higher than VOO. Because even companies like MSFT has paid and raised dividends over the last 20 years, its just that their stock price has also appreciated much faster then their dividends making the yield somewhat small Even NVIDIA pays a dividend .

__redruM

Lol, thought I’d check it: https://www.composer.trade/etf-comparisons/VOO-GLD

MasterBlaster4422

Sell and put in VOO

sevseg_decoder

You’re the one with the misconception. I beat the s&p500 handily for a few years and now have much more than the sum of money I deposited into the account in purchases of VOO shares. I’m beating the market forever unless I sell some VOO shares, the rest is house money. And I still have been growing that house money a lot faster than the market in the couple years since I rebalanced the biggest. I have money continually flowing into VOO from it. There’s no scenario where I lose to the market.

RadiantRecord1413

Tax drag and fees are real, but they are not automatic deal-breakers for active strategies. They only become fatal if returns merely match the index. If you outperform by a meaningful margin, the math still works in your favor. I structure this by separating short-term and long-term allocations within the same brokerage. The short-term side focuses on compounding smaller gains quickly, with an average hold time of about a week, and in 2025 it beat VOO by nearly 3x, more than offsetting the added tax burden while consistently banking gains and rotating into new positions. The long-term side beat VOO by roughly five percentage points and STILL benefits from long-term capital gains treatment anyway. Some long positions will inevitably need to be rotated over time, just like the index itself does, and doing that actually makes beating the index more achievable. Ultimately, this comes down to how active you want to be. Active strategies require constant engagement and discipline and are not for everyone. As for fees, that is largely a solved problem with zero-commission brokerages widely available. I'm not sure what you mean there.

TOAOFriedPickleBoy

Given the fees that RWL has, I will likely move my RWL into VOO if those stocks take a serious haircut.

Leroy--Brown

If or when a correction arrives for the top 10 market cap weighted stocks in VOO arrives..... I will simply buy more VOO. Then VOO will adjust based on cap weight. Corrections are healthy and normal for the markets. Bear markets as long as they are not sustained, are also healthy for the markets in occasion. These help determine price discovery.

Commercial_Deer_7114

I will never understand why all investment subreddits are so intensely brigaded by the hard-left. What does this nonsense article add to an investment discussion around a SCOTUS decision on tariffs? What are you hoping to gain? You think some VTI/VOO/VTX-investor will go like "Ah, I was going to read about the economy and how it affects my investments, but then I saw this marxist article on transexualism and now I will instead read about Karl Marx" ????

SirGlass

If you own VOO you pretty much do own SCHD. Most of the companies in SCHD are in VOO

mattleegee

Open a Roth IRA and max it out for 2025 (have till April) and 2026 Go 100% VOO or VT, you can rebalance later with no tax costs

justdrowsin

VOO, it's just a market index. No one's making commission off selling it or anything. None of us are going to move "the entire market" with our hundred thousand dollar buy.

Qtipsrus

VOO has outperformed because tech has outperformed, and SCHD doesn’t hold much tech. Sector diversification is a pretty good argument, I’d say.

yad76

VOOV is the ETF that contains the theoretically undervalued stocks (note the extra V on the end). VOO is the full S&P 500. VOOG includes just the S&P 500 stocks identified as "growth" and VOOV includes just the ones identified as "value".

Indep-guy

The simplest comparison is this: how frequently do they rebalance? VOO rebalances quarterly, and SCHd rebalances once per year. So VOO will adapt more quickly to things (companies or sectors) than SCHD will. This is likely why VOO has outperformed in the last 10 years

sevseg_decoder

Anyone telling you not to sell a little is just insane. At a minimum get your money back out and enough extra to beat the s&p500 and buy some VOO. Yeah it might mean mooning a little less but this is how people *actually* beat the market.

ArthurDent4200

The dividend rate is 3X higher in SCHD than VOO. If dividends are your tax problem, SCHD is a bigger nightmare. With low income returns, the difference is not going to be huge. With high income returns, the difference can be much more substantial.

bb1180

I don't see the problem regarding the dividend, but otherwise, I also don't like SCHD much. Maybe it serves as a defensive holding, but total returns since the start of 2022 have been pretty anemic. That being said, I have shifted significantly toward value as a more defensive and diversified approach to 2026, but chose to replace some of VOO and a few other tech heavy holdings in favor of VTV.

SirGlass

>, growth-based stocks and or ETFs/mutual funds should be 100% the goal you had me in the first half, IMHO I do not know what will out perform in the next 30 years , VTI/VOO are not growth funds, they are broad market funds that will hold growth and value and also pay dividends Growth focused funds like SCHG are not guaranteed to grow more in the next 20 years, they might, they might not. I would say age doesn't even matter , I have no clue why people think they need dividends after 40/50/60? Returns are what matter. TLDR do not bet on growth or dividends buy the market . SCHB/VTI/ITOT take your pick

Heyhayheigh

Some young aggressives like SCHD over a bond allocation. Not mad at it. Do I think all VOO or QQQM is better, yea. But whatever. As long as they spend less and invest more, all good in the hood.

Heyhayheigh

The books I read said it over and over. My heroes Buffet and Munger said it. It really hit home as an advisor and seeing countless droves of people panic selling and not automating. You really have to know nothing. Buy VOO auto weekly. Work to increase that weekly. Only sell when you have an urgent expense to pay for. You could know nothing else and be fine with just that. You don’t even really need a cash equivalent strategy (money market or SGOV) if you were truly optimized to VOO and chill. The difference would be so small until retirement age it wouldn’t matter.

lightning_whirler

I'm about ready to say screw it and put everything in VOO

Federal-Hearing-7270

-11%, shares, on the streaming global leader. Do yourself a favor, sell and stick to VOO or a HYSA. Pussy.

TheHappyMurderMan

VOO was talked about like that way before people started using ChatGPT to make their posts

Ok-Educator5253

Is that why I see VOO talked about so much more than other Index ETF?

Heyhayheigh

“Maxed your accounts”, does that mean only 401k and Roth? That’s a shame. You should have been doing VOO and chill in taxable as well. It is an important habit to develop. I don’t care if it is $50/week in a Fidelity account (that’s how I started long ago). At your level you should be making friends with a trustworthy pro to do actual planning to see what you are on pace for. DM me if you want help.

Kitchen_Page9991

Im mid 50's and hold an aggressive portfolio like you. VGT has been a game changer for it. I too get concerned about allocation. I'm45% VGT, 45% VOO, with cash and a splash of GLD and SLV in there as well. I'm in the process of selling a second home right now. The profits from that will be allocated to something like VTI. Just for the sake of balancing it out more.

marioacastiello

Currently I’m mainly in VTI, VOO, VYM but I want to add an international fund like VXUS

usa_reddit

Nothing wrong with VOO/VI it's slow, safe, growth over time. This is my strategy and I believe it will beat VOO/VTI over the next year, but I have higher risk exposure in SMH and SGOL. |SMH (Semiconductors)|15%| |:-|:-| |SCHD|20%| |GLD/SGOL|15%| |VYMI|10%| |SGOV|10%| |SCHG|30%|

Decibel0753

In Germany, you cannot buy American ETFs VOO and VTI.

teh_herper

Go directly to SPY/VOO ETF jail. Do not collect 200

zdog2x

I do VTI, VOO, VWO and VEA. Majority being VTI.

fakieTreFlip

Investopedia is your friend: https://www.investopedia.com/terms/e/etf.asp It's an asset you can buy just like a stock. It's technically a group of securities put into a single fund. Some popular ones are VTI and VOO. Their holdings include big companies like Nvidia and Apple and Amazon. You buy shares of the ETF instead of the companies directly. It's a decent way to diversify your holdings without having to think about it too much. Just buy stuff like that and hold until you retire lol