Reddit Posts
If SpaceX merges with Tesla, what will the consequence be for the S&P 500 index, specifically VOO?
VFQY as an alternative to VOO's tech overweighting?
Portfolio Review: 3–5 Year Horizon, Moderate Risk
The "sell employee stock purchase plan" immediately strategy. This doesn't seem logical to me based on percentages
Anyone else considering increasingly moving to short term govt paper in their tax-free accounts?
I have 11k in stock and I am 20 years old. Where do I invest?
Investing $100 a day - what would you choose besides VOO?
Investing $100 a day - what would you choose besides VOO?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Once again S&P1 seems to be the best long term strategy over the S&P500
I have been DCA’ing into VOO since 2012 and now I’m rich.
VOO Performance Lately / General Investing Approach
After playing options, my net worth is currently 30$
Isn’t concentration actually proven to win over the long term? .
Any advice from experienced investors
At what point is qqqm better than voo for young investors?
What ETFs or Index funds are y’all thinking about bidding on? I really like VOO as a long term play for myself
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
Mentions
If i was pregnant and found out my husband blew a quarter mil gambling options I'd divorce him. With that much money just put it in VOO and retire early ffs
Checked out when you put the dollar sign in the wrong place in like the first giant unbroken paragraph. Please pay attention in class and just long VOO.
>The Nasdaq in 2000 was the opposite, it fell 78.4% over 31 months and didn't close above its March 2000 high until April 2015. This statement holds a lot of meaning for a person who might have lump summed all their investment capital ito the NAS in March 2000. It holds less and less meaning for the people who have smaller percentage of their investment capital invested in NAS in March 2000. The reality is the people who had been investing DCA through the 90's were doing just fine through the dot com burst and financial crisis. When 2022 hit, my portfolio did take a big haircut. But buying more AMZN MSFT GOOGL SHOP NVDA AVGO QQQ VOO would have increased my cost basis, because my accumulation had been done for years prior. Investors who buy and hold companies with growing top and bottom lines eventually get rewarded. It's the speculators that may need to panic.
I just put a certain amount into VOO every month and don't really pay attention. Watching the price is strictly for scalping in the mornings if I have time. I can't be stressing my long term stocks every single day. It's exhausting.
If you don’t like the concentration of cap weighted VOO, there are equal weighted SP500 funds like RSP.
You’d be up \~100% cumulative over four years if you had invested in VOO and chill. **2023:** \+24.32% **2024:** \+23.35% **2025:** \+16.39% **2026 (YTD):** \+11.88% (approximate current year pace) But go off king.
The S&P is no longer diversity, at least until the AI bubble bursts. Now it is dominated by AI and AI-adjacent. I hold VOO but also add XLP, XLV, XME, XLE, GLD, and a few others to reduce concentration risk. Bonds have historically been good, other than post 2020, so we'll see if now is the new normal or if they will revert to their prior role.
Diversification outside of equities is folly. S&P500 itself is diversity. If you want more, add small cap. If you want even more, add international. VOO, VTI, and VT are honestly the only degrees of diversification you need to care about. Bonds or cash can be held to weather a downturn, but should not be considered investments. You can look how those performed during the 2000 to 2015 example and see "oh wow this mix did well during this specific time frame" but add 5 years to either end... or even just look at the 2009 to 2015 portion of that time frame. Stocks always come out on top. Unless you're planning on retiring in the next few years, 100% equity is the way to go. It's the easiest, least complicated strategy and the math proves it always wins.
17 can be a reasonable thing IF they're adding value and not dilution. Like I have a cluster of biomedical stocks because they all are looking at good phase 3 releases in the near future. But a lot of this just looks like you've decided something looks shiny and added it to the pile, in a fashion where it looks like you're trying to diversify into everything, which makes it not that much different than just...sticking with VOO/VT or such. Some of these are also arguably inferior versions of other things. SFLO is likely better than AVUV. CHIPS superior to SMH and so on. Some things just horribly under perform without offering much at the moment.
Where did you hear this statement? It makes no sense. * SP500 returns are variable * I've never heard of being locked into an SP500. Typically you buy an ETF and sell when you want. * SP500 is the index. An index fund is something that tracks the SP500 like SPY or VOO.
Why am I a perma bull when the most boring ass ETF ever VOO is up 100% in 4 years and the market has never had a top ever in history? Gee I wonder :exit: :exit: :exit:
VOO But in trading account, GOOG and AMZN and MSFT
He wants you to stay poor and invest in VOO
Yes lose the rest revenge trading instead of crying into your four hundred thousand dollars and buying VOO. Next time just send me the money why not
What do you mean “Never”? Stop doing 0Dte or else yes you can never recover. Just VOO and chill until you recover, if you really want to gamble, put 1% of your paycheck on different account and gamble with that portfolio.
I’m all about that VOO, have a buy scheduled every Thursday, takes my mood sw out of it. You can play with some money, but only a Very Small % of your portfolio.
This is the best advice. Put 50k away into SPY or VOO for that unborn child, and don’t fucking touch it.
If only I was an options degen. I did add to my long VOO position on Friday as I always buy when VIX is over 20.
Sold my BTC when it was over 100k and threw it in VOO and sleep like a baby. Crypto is useless snake oil
my bank has balance transfer offer of 0% APR until 01Apr2028. 3% fee am I regarded by borrowing $10k and putting it into VOO; seems like free money
Yeah, VOO is pretty safe for now. VTI on the other hand…
You said it yourself. Just put money into VOO or other indexes. If youre actually this fucked up over not saving anything use that feeling to motivate you to put money away and leave it
u/darkspherei I'm thinking the same thing, I'll be buying VOO and SCHG with my wendy's paycheck
To save you a lot of trouble, the valuation for both companies is a total joke propped up by a decade long (and continuing) string of promises by the CEO that repeatedly fail to come true. He’s about to further attempt to cover up the real situation by merging the two companies. X and xAI are both horribly losing businesses, TSLA is a largely declining business, but SPCX might be a solid one. He’s gonna try to wrap it all up under SPCX and hope that the market will buy another decade of false promises. I really hope you decide not to, and choose much easier bets like GOOGL, META, MS, STT, PM, GE, VOO, XLK, stuff like that.
Don’t know if I’m allowed to say this but…VOO
Put 100k in VOO and use the last 5 to win it back
I VOO , VT and SCHD and chill
ONEQ a Nasdaq fund. A close second is VOO
VOO is my single largest position but as far individual stocks go, it's BRK.B. I do have a few more speculative stocks like ONDS, ASTS, CRDO, BROS and AMPX to keep it interesting and for some growth.
Luckily you’re 33. VOO from here on out. You’ll still be a multi millionaire in future decades. Let this been a 100k life long lesson, rather than turning it into something far worse / longer. Get help if you need to. No shame in that.
Google and VOO/SPY. The rest is ADBE/IGV
Here’s my shares allocation: AMAT 599 ASTS 1638 VOO 76 I am not doing good and currently at $104k unrealized losses with $76k losses YTD from biotech stocks. In a dark place. Praying I can at least I can break even.
What’s your plan? Pardon me wants to just sell pretty much everything, get away from margin and just stick it in VOO. And the other part of me wants to keep putting money into the account and pray all my holding double in the next year
That sweet 250k dumped lazily into just VOO would roughly be $255k to $260k before dividends. Not saying that's what you should've done with the money. But at least you'd still have it.... In fact you may have done better just walking into a casino and putting everything on black for one spin. But I'm no statistician.
Way too may tickers. VOO or VTI for core. That’s it. Aggressive, I like QTUM or DRAM.
I suggest you look up what $40k would turn into over 30 years invested in VOO or something similar. Then do that.
Highest VOO. But highest in options ALK, MongoDB
You’re 23 and gambled 250k instead of just letting it sit in VOO and global market? Get your shit together and stop thinking you’re smarter than the next guy. I know kids see a shit load of money on insta now of days but you just pissed away a guaranteed easy life like a dick.
You would have made 50k by now if you threw your money into VOO
Because my VOO stock doesnt move
Just get an index fund like NASDAQ 100 QQQM or S&P 500 VOO
Then why tf does he/you own VTI and VOO???
It's like a 1-2% underperformance vs VOO over 10 years in both total return and share price. Yeah you'd make more in VOO as it compounds but you'd handedly outpreform morons like OP if they went all in on either one.
Dude just move everything to VTI or VOO and sleep easier for the next 20 years.
If he had been on VOO or VT, this drawdown wouldn't've happened. It's his choice now whether to learn the lesson now and build solid foundations or keeping risking it, which could lead to a slight recovery (6x his money back to the starting position isn't likely at all) or could lead to him learning the lesson while having zero dollars in his account. I personally keep 95% or my portfolio on VOO and use the rest for plays I believe will perform better than the market. But going all in isn't wise.
It’s not paper money it’s real money. If you just put that into VOO you’d be a millionaire before 30. You’re gambling and it isn’t going to end well for you
WTH are you guys going. VOO QQQ and chill.
2% drop for people in VT, VOO, VTV.
For me, a taxable brokerage always turns into something I have permission to tinker around, ahem, gamble with...Max your retirement account at work, max your roth with VOO as you mentioned...and then if you can't resist the dark arts of yolo'ing and blowing up your account, seriously, start stacking physical gold and silver, or get into real estate. You make good money, sorry for your loss, you got 27 years till you even need to think about retiring so just enjoy your life while you have it and make smart decisions going forward. You got this!
Honestly the most realistic thing for you to try to do is whatever money you set aside to trade, put half into actively trading and half into VOO.
Stay away from thematic ETFs like DRAM or NLR. It's not much different than picking individual stocks. VOO, SCHD, QQQM, that's all you need. You might consider SPMO too eventually.
How? So 100% VOO is the answer to investment success? Not even a combination of VOO, VGT, SMH?
Forget about AI stock exposure. 80% VOO, 20% VXUS.
100% VOO is not nearly aggressive enough for a 29 year old and would advise that strategy to someone who wants to invest but does not have the time or care to worry about portfolio. If has the tolerance for volatility, needs a higher allocation towards chips, memory and tech.
Agree with others to reduce this. Just go VOO and chill imo. Do you have the option to contribute to a 401k or other tax advantaged account? Definitely worth looking into rather than putting all this money into a brokerage.
Your core can be simplified entirely to VT, VTI, or VOO. As for your aggressive satellite allocation, I’d stick to a maximum of 5 symbols and try to minimize any overlap. Your best bets here in my opinion are AVUV, SMH, QTUM, and NLR, but be careful about sector thematic ETFs. A strong argument could be made to just buy SMH there.
Too many names & VTI covers most of the indexes you're holding. I would hold more VXUS for international exposure (30% VXUS 50% VOO 20% individual positions). Keep it down to 5 companies tops if you're not a full time investor, it's hard to keep track of more financials/leadership than that. I'm just some guy so do your own dd.
>You can't buy "substantially identical" stocks or it would trigger a wash sale. So what do you buy? I will also note wash sales do not count between different stocks. Its not a wash sale to sell Wallmart and buy Costco or sell exxon and buy conoco Hell its not even a wash sale to sell VOO and buy IVV even though they track the same index
Well if you want to replicate the S&P500 you do not have to own all the stocks If you hold 250 stocks in the S&P500 chances are you can pretty accurately replicate the returns pretty accurately as long as you hold a good cross section of the index Also you can switch between like stocks, like you can hold exxon for oil or energy exposure , if there is losses you can sell exxon and buy conoco However yes ; at some point you will have drift, your direct index may not exactly match the returns of the actual index Maybe you outperform maybe you underperform . However the theory is the tax savings make up for the drift away from the index However that being said I really am not a huge proponent of direct indexing , like sure if you have 10 billion dollars setting up a family office and paying a manager a few million a year to direct index might actually be cheaper than buying VOO If you have 1 million , I am not convinced its a benefit , index funds like VOO are very tax efficient anyway ; the only way I see its beneficial is if you have large stock holdings with huge capital gains, like you are a META employee and have 1 million of meta stock that is almost all capital gains , and you want to diversify and buy into the index Well if you can somewhat offset your selling of meta stock with losses from direct indexing it might make sense, for the average investor I do not think it does
> You can't buy "substantially identical" stocks or it would trigger a wash sale. So what do you buy? There are a few things being mixed together. The "substantially identical" and wash sale issue typically refers to *funds.* Like VOO, IVV, and SPY; all S&P 500 tracking ETFs. Those would probably be considered substantially identical, whereas a total US market fund and S&P fund are *highly correlated in price movement* but not identical for composition. Individual stocks themselves aren't substantially identical, other than maybe some edge cases I haven't considered. Exxon and Chevron are in the same industry, similar-ish market cap in the grand scheme of things, but they're still two totally separate companies. I can't speak to the rule sets in place in the major brokerages and how their tax loss harvesting engines work. How they decide to sell X holding and buy Y, and what subset of say a US large cap index. I can say though that the results can be substantial. Last year I had ~9% of the account size in harvested losses while tracking the S&P.
DCA, switch to 100% VOO below 200 SMA, 1% tolerance band. Its been above most of the year though and the 60% doesn’t include money I added this year
How. Just put money in VOO and don’t touch it. What are you doing
“I just don't know how to move forward and rebuild from here” “It's funny because I know I should just buy VOO and a few other index funds, but I keep fucking up.” You know. You just keep fucking up. You are still young with a great job and a hard lesson. You got this! I lost over a million dollars at 53, get me down everyday and I keep picking myself up. Chin up.
Don't sell! I sold a bunch of VOO during covid 5 day crash lol.. so dumb. Just keep buying VOO and if you're able to have cash reserve to buy dips, buy the dip. You'll be so loaded by the time you're 40 if you are patient and just buy the dips. When crypto goes up like crazy, sell that and then buy it back after it crashes. Dont treat index funds like crypto.
So if you have a million of VOO. You can’t sell Walmart to buy target. You have that ability if you directly own the stocks. The find manager will have a methodology, Coke Pepsi, Walmart target, Apple MSFT, whatever. When there is an opportunity they will sell the one down and cover the allocation with a similar stock from the correlation list. It isn’t magic, it is just taking advantage of the tax code. The allocation will track sp500 or whatever, and have the ability to harvest losses. It is too much work for a novice to do manually.
You’re naming the problems yourself. “No strategy”, “a bad trading problem” , “buying garbage stocks blind” , “I know I should just buy VOO and a few other index funds” , “I keep fucking up”. Self- awareness is the first step to access. Stop being stupid, devise a strategy and follow through. Change your perspective and stop viewing yourself like a piece of shit but as someone who will win. You’re 33- your life’s far from over. 10 years of strategy and discipline and by 45 you could be flying.
You literally said it in the fucking post, buy VOO and a few other indexes, gambling when you don't have a retirement fund that's way up and a fully funded emergency fund is just plain stupid. You should be fucking embarrassed, for someone in your tax bracket to have nothing is just pathetic
>I just don't know how to move forward and rebuild >I know I should just buy VOO and a few other index funds truly regarded.
Id get a margin loan to buy VOO if it ever reached a serious correction and I had no cash remaining, more deep than what we saw in march
Wrong sub. People here buy calls on high flying tech stocks, not VOO and chill
VOO? You need to quit breathing
33 is young. Get an IRA or 401k going. Get some QQQ or VOO. Stop trading and buy investments you want to hold long term.
VOO is great for a buy and hold, but since you seem to want income, could invest into a blend of SCHD for long term dividend growth and maybe some options overlay funds for immediate, high-yield distributions. Sorry for your loss. Investing is the way to go vs trading for most, myself included. I've been much more successful with it. Good luck.
I have lost $30,000 since liberation day in my one account. I have lost maybe another $15k maybe in other accounts. Every time I think about it I brake down out of shame. Before the chip stocks really started going bananas I had developed a system that was working well. Not huge gains, just enough where I was considering making a day job of it. As stocks blew up with the Ai craze my success rates went down. The last 9 months or so have been so brutal that whatever I was putting money into would reverse immediately. I could take a small loss and it would reverse back or I could try to wait it out and the losses wouldnt stop until I sold, at which point the security or option would reverse. I tried selling calls and puts and everything is so volatile that the option would go ITM and then close to break even. So I would roll out the option and the stock would go the other way. Id lose premium until it wasnt worth doing. Even today - the constant downward SPY trend - i buy one little just OTM put and that is exactly when the reversal started. I had VOO shares slowly losing money for hours so I dumped them and IMMEDIATELY after it there was a $1 spike. These are all small losses but they have added up. I know I over trade but like I said, what I buy starts losing money until I sell. I have been trying to scalp a bit here and there. I’m down to $56k in my retirement. Im about to be 47. If I had never touched my accounts I’d be doing alright for my age. If I think about all the losses I want to kill myself. I put $19,000 in a target retirement plan but Id be losing even more if I had all my money in that. Now I feel like I have to trade to make enough for retirement. Had I done better I was going to take a small early distribution to help fund a divorce so I could escape my awful marriage. I am considering doing a YOLO trade or two but I would off myself if it didnt work out and I am not quite ready to put myself in that position yet. Also, I’d hate to blow that money when I could just leave it for my family. The market has turned into one big suicide machine. I don’t know what happened - i cannot figure out why I became so fucking bad at this. I have wasted so much time. I dont know what to do or how to bounce back. People do it all the time here. The “cursed” feeling has killed my risk tolerance. If anyone is still reading this I could use some advice.
I lost about 100k trading before I learned that I’m better off just VOO and forget it
Right so more like 150ish. I'd definitely sink like 20K into VOO or similar before gambling so I had some guaranteed returns.
“ It's funny because I know I should just buy VOO and a few other index funds, but I keep fucking up. I just don't know how to move forward and rebuild from here” You basically answered your own question .
Day trader or often-traders are very difficult to make money. It’s really for those who live for the adrenaline. The tried and true method of saving and investing as much as you can each week, each month, into a VOO type will get you to be multi millionaire. It’s boring but long term 20-30 years it works.
You’re young. Stop gambling imo, and invest in Roth IRA, ETFs like VOO, QQQ live below your means , be a millionaire w no debt by 50
You clearly don’t know you should be VOO if you aren’t fucking buying VOO
You absolutely do know how to move forward and rebuild from here. Stick it in VOO and leave it alone and go get your dopamine hits from somewhere else. Unfortunately, you sound like an active addict and will probably need dedicated support and/or a psychologist before you are ready to actually stick it in VOO and leave it.
Why wouldn’t you just put the money in VOO or SPY???
“I know I should buy VOO” no you don’t plz be serious all you know is how to lose your money lol
Stop gambling and get a plan. DCA and hold VOO or SPY. https://preview.redd.it/5l6zcxdxbxvh1.jpeg?width=1125&format=pjpg&auto=webp&s=dabe1d834bf209fc1540c8fcbeebcd203c028d93 I sold this for profit later but know it would be worth 40k more now. Get a good entry and plan the exit. Then rinse and repeat. 🔁 Stay away from MEME stocks and garbage.
I had -$30k when I was your age. 10 years later I’m at $1m through buying and holding VOO. You’ll be fine if you start investing and stop gambling
Ride. Don’t try and time because when you are out, it’s mentally hard to get back in. Also, it’s hell here. VOO and chill is so much better for your mental health.
You’re still pretty young, and you can rebuild, but you’ve gotta learn from this! Good investing habits are pretty boring. Chasing that dopamine hit and the promise of quick money is an easy way to lose it all, and hell, you know that now. Focus on building an emergency fund, living below your means, and dollar-cost averaging into VOO or another S&P 500 ETF. Keep it simple, stay consistent, and let time do the heavy lifting. You don’t have to get rich overnight. You just have to make better decisions consistently. You can come back from this. Just make sure you learn the lesson and don’t repeat the mistake.