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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
WSB is woke and retarded now. Zoom out. $VOO up 12% past year. Have you never seen volatility or did you just start looking at the stock market this week? What happened to WSB…
Remember when VOO was at a record? Seems like last week.
I should Be thankful my losses are minimal compared to others. I started Investing about a Month ago. $1,000 flat and Pushing that to 10k (Wishful thinking). This week has me Down -20% for a total loss of -$200. Not Selling so no real losses, yet. I have a Roth IRA that is heavily invested in VOO + VXUS My trading Account consists of SEGG (Thought I could catch a quick Pump) SLS DVLT BURU All split even @ 25%
Vanguard Institutional Total Stock Market Index is close enough to VOO that you shouldn't worry about the difference. It and VTI both "seek to track the performance of the CRSP US Total Market Index."
I really wish I had listened to literally everyone and only held VOO… I would only be down 3% instead of 30%. I lost years of roth ira profits in a week.
Take a look at the other people on here losing hundreds of thousands of dollars. The good news is this happened to you young. Learn from it, save, and dollar cost average into VOO and everything will be alright. The nightmare doesn’t end til you turn the page.
I always hold a bit of VOO as my “cash” reserve that beats holding cash but will retain value during a dip to sell and buy big deals Officially all out of VOO reserves
I’m just VOO and closing my eyes at this point. Go Zuck yourself.
Not in any of the stocks you have in your portfolio (other than VOO and NVDA). But then again, I am retarded.
Did you really miss their perfectly timed apple and amazon invesments? They made something like a 1000% return in 8 years on Apple. Yea they didn't buy a bunch of AI companies that are trading at 100+ PEs. Look how they are all performing lately. BRK has outperformed VOO on almost every time horizon longer than 1 year, they don't need your opinion on how to deploy their capital.
VOO finishing below 10% this year 🙏
How the fuck is VOO only down 1%? Feels like Armageddon out there
Dump everything and avg in to VOO and NVDA chevk again in 1 week🫡
Suck my nuts retard 😎 https://imgur.com/a/JQjE2WD Got half a million in VOO right now with about 2% of that value hedged on puts
Like it literally makes them look worse to go on the show. If you’re a listener and you’ve got a lot money, put it all in VOO or give it to Ken Griffin.
Don't invest an emergency fund. You have the right idea with VOO. Read the book "The Little Book of Common Sense Investing" by John Bogle. When you can, start a Roth IRA to grow tax free, and personal opinion on 401ks is only contribute to what you company matches as it locks you money away till you retire. 3 great funds currently: VOO, QQQ, SPY
I would highly encourage you to stop waiting, you need a 25% pullback to get in where it was 18 mos ago. That might happen... or we might be up 10% by May. You should consider a plan now to start investing, I might do 10% per month and you can accelerate that if we continue to have dips. But waiting for a crash to buy is how people missed buying VOO waiting for it to get to $300 when it never got closer than like $325.
Bought $15k of VOO like a boomer 👌
Waiting for a correction in ETF prices, gonna throw a good chunk into VOO and just sit back for a minute.
Closed my CELH position. Started buying in Aug 2024 at $38.25, added more at $32.13 in Sep 2024 and again in Feb 2025 at $21.68. I was planning to hold no longer than a couple years as it was a catch-the-knife play. Felt like a good time to raise cash so I got out at $48.38. Returned 38% vs SPY 26% and QQQ 32%. Used the some of the cash to open positions in VEEV and EZPW and added 4% more shares to each of my QQQ, VOO, AVDV, and AVUV positions.
apart from everything else people said - IVV and VOO are essentially the same thing, splitting them like that doesn't gain you anything. Just choose one or the other. If you want to diversify it, the way to do it is either through mid/small cap etfs, or some international market ones.
2.5m and I’d quit my job, throw it in VOO and work a job that allowed me to pay bills
VOO and IVV are both the S&P 500, so if you only want the S&P 500 (large-caps), then VOO is already diversified. If you also want mid-caps or small-caps, you can use VTI (which is total-US-market), or buy mid-caps and small-caps separately (e.g., SPMD and IJR, which are the S&P 400 Mid-Caps Index and S&P 600 Small-Caps Index). These should be much smaller allocations than your S&P 500 allocation. Also consider some international, either separately (VXUS), or you can just get total-world-market (VT).
Gotcha yeah would it be better to put it all in VOO? my thought was diversification
Take a look at monthly or weekly chart of VOO. We’ve been in a massive bull market since 2023. You entered the markets at what is likely the beginning of a market correction. If this is money you don’t need, just continue to dollar cost average and you will be fine in the long term. No one can tell you with certainty when things will get back to prior all time highs. Just have faith in the US economy and move on with your life. You’ll likely be fine when you actually need this money.
The market's been choppy as of late. In the short-term, equities might drop. In the long term (decade plus), you will very, very likely outperform a HYSA by a significant amount. One thing is that there's no benefit to owning both VOO and IVV. They're the same. No real harm in it, either, but I didn't want you to think that it was a form of diversification since they both hold the same underlying assets.
Yup. I decided to take 1/2 my deferred comp and toss into a self directed Schwab brokerage. I am doing fine. And after 8 months of learning and tinkering, winning and loosing, I am finally set in a number of ETFs I believe in. Quality ones, not fads. NOT VOO and chill or any of that but as of Monday I am definitely in the “chill” mode. I have to discipline myself to leave shit be. Time in the market. I like what I have on the brokerage side. The 1/2 I must leave in the deferred comp side has a range of choices and it’s split between VIIIX (SP500) and one much like PRGFX. I have a very sweet pension so I will watch for 6 months or so and reevaluate mid Summer. So…pick what ya like and the. Try to chill. 🤣
The stock market, or any tracking etf like SPY or VOO.
Been investing since 2019. First week I put all my money in and it crashed like 20%. I pulled a bit thinking how low it could go. Then slowly put it back in... Then March 2020 happened lol. Took me months to make back my losses. COVID scared the crap out of me. In the end I've been riding VOO and just dollar averaging in. Been doing okay but I had Facebook at it's low and it went up I sold it because I didn't know what was going to happen. If I held today I'd be 500k richer lol. I can go on and on. How many stocks I was individually invested in that only went down when I owned them and then I sold and they are up hundreds of percent. I tell everyone around me just to do the opposite of what I am doing and you will be rich.
VTI is down for the year, VOO even more. What 2% are you talking about?
Gentle reminder that VOO is up 12% from this time last year. Nana is doing fine.
amzn is my last chance. if i get hoed today i am switching to being boring investor who just holds VOO
Unless you buy VOO only, the market isn’t near ATH like Oct or mid Jan.
VOO is very safe. That's an index thing. I'm talking about individual stocks like PG, CAT, O...etc. G'luck!
I thought VOO was safe…
I have to believe we will make things right with the world and we'll come through. However, I think everyone has decided it's the only way to send a real warning to us Americans. They're probably right. Meanwhile VOO and VXUS are holding up pretty well and saving my ass.
This sub has a broad audience, people are going to see the red in the headlines and then come here, this is to re-assure the masses. But more specifically, QQQ is down -4.5% in the last 5 days. VUG is down -5%. Not everyone is just in VOO.
Thanks for the write up, you’re absolutely right. Time to buy more VOO and VXUS!
That’s why you buy FXAIX in a tax advantaged account and VOO in your taxable one
Because everyone VOO and chills their retirement and VOO has been ass
Put your emergency fund in SGOV IN Fidelity. Yen buy VOO on an auto weekly basis (1200 monthly). Then do whatever you want with the rest. If you play close attention, you will notice the auto weekly beats your sporadic choices. You will eventually just work to increase your weekly. Sell only when you have something urgent to pay for. Once you’ve done this for a few years, you will understand. Best of luck.
I apologize. It’s all my mistake. I put my idle money first time in VOO yesterday. I deserve this treatment
If you don't even have the experience to evaluate an ETF, then on what basis will you evaluate individual stocks? Based on what experience or knowledge? On one hand, you should stick with a broad index fund like the S&P 500 (VOO) or total market (VTI). On the other hand, you won't really understand the reason until you eventually get burned by picking stocks. So just skip QQQ and jump straight into picking stocks and get it out of your system now so you can understand why all the experienced investors tell you the same thing.
Depends on your expectations and tolerance to volatility. If you think that $3000 is not a big money for you, you can buy one QQQ and sone individual stocks that you trust in the long run. Those may fluctuate violently, you may see up to 50% drop in your portfolio but if you are confident with your choices and everything goes well these can make you good money. Of course there is a chance that everything will crumble (for me the chance is very low), but in the long run (10+ years) you will gain. However, if you are not comfortable seeing more than few percent drops, you can go with ETFs like VOO or other industry ETFs that you trust to be valuable in the future.
"Expense ratio" is an annual cost to you imposed by the fund's manager, presented as an percentage of the investment. VOO (Vanguard's popular S&P 500 ETF) has an expense ratio of .03%, meaning each year they will take .03% of the money I have invested in that fund to cover their costs and profit a tiny bit. Expressed as percentage: $1000 X .03% = $.30 Expressed as decimal: $1000 X .0003 = $.30 So for every $1000 I invest in VOO, Vanguard will take 30 cents to cover their own costs. If you engage a third-party financial advisor, they might impose their own fee anywhere from .30% to 2% to pay for their "services". This will be stacked on top of whatever the funds they put you in may charge. I would suggest exploring the [Bogleheads wiki](https://www.bogleheads.org/wiki/Main_Page) and r/Bogleheads subreddit. A major premise of there is managing costs that are within you control, such selecting funds with lower management fees. You can't dictate market returns because market be market, but you can control fees.
PS you actually lost closer to 150k after you consider the opportunity cost of just leaving it in VOO for the past yr.
VXUS is shit compared to VOO/VT
Agreed, that $40k is your emergency fund—aim for 3-6 months of expenses in high-yield savings (currently \~4-5% APY) before touching it for investing. Once job hunting stabilizes, max a Roth IRA ($7k limit) with something simple like 80/20 VOO/bonds for your 30s timeline, then build from there with steady contributions. No need to rush the rest; unemployment is exactly why cash buffers exist.
Not at all. I pretty much limit myself To Positive drift vehicles like VOO. They pretty much always go Up, for th most part. Sometimes I will do LEAPS options, on stocks that are no brainers, like Nvidia back in 2023, or Micron back when it was in the 70's. I don't like to gamble
I got completely screwed on Monday’s SLV drop, sold at a major loss out of sheer panic. I’m done with chasing stocks on momentum. Gonna take the cash I have and just DCA into VOO with daily auto buys and look once a year. This market is as stressful as crypto.
Literally full ported VOO last week. 🫠
Market is very volatile right now, impossible to predict. Looks like it's been red a few days already so weather out the storm before guessing which price to buy at. At the end of the day, you buying VOO at 600 or 630 will not make a big difference since your starting to invest at such a young age.
New to investing. I am closer to 60, and was wondering how a VBAL TFSA would look, or alternatively 80 percent VBAL and 20 percent VOO. This would be for the next 15 years. I would put 30 grand in and add 400-500 monthly. Also how does XBAL stack up, or VGRO? Example VBAL and then VGRO for 20 percent as another option. Any advice would be welcomed.
It may help you to keep a shadow portfolio of what you'd buy instead -- e.g. VOO. Then pay attention to how you do relative to that shadow portfolio. Then temporal market behavior largely cancels out and you can see more clearly whether you're a dumbass or not.
Just don't sell anything until you have held it for 10 years, then these fluctuations will seem tiny and won't matter. I have an account with a pile of VOO at $300, if the market tanks by 10% tomorrow I won't care cause I'm still up a lot
Imagine needing 5 years to make 100% on VOO. I can do -99% in a day!
I dca into VOO, market down I win by lowering my cost basis, market up I win through appreciation. It's a win win
If you already own VOO then buying a global fund is not going to create the desired effect of diversification. It will… but very slowly. The easier way is to just buy an international fund like IEFA, VXUS, DFAI or SCHF.
Listen pal, I bought 100 shares of VOO yesterday. How do you think I feel?? /s
Posts like this remind me there's going to be an entire generation of investors who are going to learn you have to rotate out of tech.....the hard way. The VOO and chill crowd doesn't need to worry, they are still a stone's throw away from ATH. But the stock pickers, especially the tech ones, are confused why they are down 20-30% and will bag hold through the next bear market. Look at international stock market (EWZ, EWJ, EWY), the Russel, metals, even energy. Lots of things are ripping and new bubbles are forming elsewhere. People have just been spoiled by the mag 7 and these other tech companies and think that's all there is to investing.
If you already invest in VOO do you recommend a global etf like these or pairing like non-us like VXUS?
I would separate out my guesstimated tax burden and put it in a HYSA or a CD, and then dump the rest into a mutual fund or maybe VOO.
Thanks for this write up. I'm just starting to invest in VOO (age 36). I didn't get enough in my 401K when I was young and I wanted to contribute to something else as well. VXUS might make sense to do some kinda diversification with VOO but looking at the 5y gains compared to VOO it seems so low. Do you recommend defense or industrial ETF's? Is this too reactionary to current events? Big noob here 🙃
I'm kinda in the same boat, but twice the age and just a bit in VOO besides by 401k. Don't have much to invest, but as I just got into VOO I figure I should have something besides that. So similar but slightly different question I guess.
Very long term is fine. The company is huge and isn’t stagnating in its niche of e-commerce. That being said I wouldn’t be surprised if VOO outperforms for you in the long run. We’re in a period where a handful of stocks dominate the index. More likely to see everything else catch up than another 2-3x of these mega caps.
On the long terms, things average out unless market crashes. Well, on a very long term, every stock is going to be riskier than ETF, so if your goal is passive income, then you need to place your money in VOO/SPY or dividend paying stocks. Also, need geographical and asset diversification. But the offset will be that your returns won't be as high. So, it is more of a risk vs return. We can't expect high returns with no risk.
You have VOO, so think everything is fine. Also, if you had GOOG for a year, you probably have it up 60%+ at least (if you brought when it was down, it could even be 100%). What is cooked?
If Paypal is the best investment you can come up with, try SPY or VOO instead.
Who wants to buy 43x VOO 500C for June. Taking bids lol.
what's the alternative. go on r/stocks or r/investing and it's a bunch of boomers bragging about VOO who will be wiped soon.
I had Schwab before and their app is definitely not as good as Robinhood. The dividend stuff does sound nice to have for income investors. I just trade stocks and auto buy VOO in a Roth, so it works great for me. Plan to have my kids trump accounts on it as well so it’s all in one place. Hopefully HSA and loans in the future.
This is the way to purgatory. VOO is not bad as an ETF, but the whole "buy based on market cap" is due for a change, and the whole ETF magic is due for a big change.
“Sell off” Meanwhile VOO is up YTD
Congrats on being smart about money and being able to save up a nice amount. Microsoft is a good company but its stock is getting clobbered - along with a bunch of other good companies. There is some uncertainty about the valuation, expenses, profitability, AI, OpenAI relationship etc. Hopefully it plays out well but who knows rn... The problem with buying some Microsoft or any other stock is that you expose yourself to "single stock risk". All of your money is on one horse. Investing in an ETF like VOO gets you a piece of the 500 'best' companies across different industries. It eliminates the single stock risk. I'd suggest starting with VOO for now.
Yep. Fidelity supports weekly. Instead of 500/month, you can do 125/week. Then just go in and edit it to increase. Try 150, 175, etc. spend less. Invest more auto. Leave a little wiggle if you want. Save some cash for your “dips”. But watch VOO steal the show with time. Time of not being auto is the real thief of wealth in this country. Fidelity is a perfect place to do this. They support fractionals. They support auto weekly. Best of luck! Remember to only sell when you have an urgent expense to pay for. If you sell for other reasons, you’re likely panic selling!
Every time a bell rings, a Boomer gets his VOO.
Setup an auto buy of VOO for whatever you can afford easily weekly. Then do the side stuff whenever you get around to it. You can do both. Sooner or later you will just do the index once you realize how much better it is.
I bought VOO with all my GOOGL gains I made from July until yesterday like a mature adult
You definitely should have sold everything at 111.1k$ and put it into an index fund like VOO. I asked chatgpt to make a little paragraph to make you feel better. Anyway, health is the more important, money is worth nothing without a loving family and a functional body. No, i didn't forgot the paragraph :) Assuming you invested $111.1k into VOO and let it compound for 30 years at a conservative 7% annual return, the portfolio would grow to roughly **$845k**. Applying a standard **4% sustainable withdrawal rate**, that capital could generate about **$33.8k per year** without materially eroding principal. Spread evenly, this corresponds to approximately **$2,800 per month**. This figure is nominal (not inflation-adjusted) and reflects long-term historical averages rather than guaranteed outcomes. Higher returns or a higher withdrawal rate would increase payouts, while inflation-adjusted withdrawals would reduce the nominal monthly figure.
Everything you don’t need for 5 years put in VOO and chill
Ageed...if you want to make your little 5- 8% a year (if your lucky). Stick with VOO. The magnificent 7 are the marginally profitable 7 these days. Nvidas been stuck at 180 for almost a year and today its down to 175 for who know how long.
I'm up on my GOOG, MSFT, AMD, and NVDA stock holdings, but shit does it feel like I'm bag holding right now. When/if they ever hit ATH, I'll sell and just dump money into VOO or QQQ. I have my options account for fucking around with individual stocks now.
Google drill? I hope it doesn’t make up 3% of VOO that would be terrible… 😔
The best strategy for retail investors is to DCA into index funds and never sell unless you absolutely need to. I have tried to time the market several times and also tried to swing trade on individual stocks. Did get lucky a couple of times but the only consistent winning strategy that has worked for me in the long run is to keep buying VOO/QQQ/VTI very week or every other week and never sell.
Maybe I should just VOO and chill JP Morgan is like Thanos, inevitable
Starting at 30 with $40k saved is a solid position. VOO already gives broad exposure, so adding VGT might be a bit redundant. I curious how others here balance diversification vs concentration in tech,
VOO Bull Forever… say it ain’t so!
thats overview. VT, VXUS, and VOO each make sense depending on someone’s outlook, and you laid that out well
I thought of buying with the dips this week. It's tough choosing between Microsoft, Nvidia, VTI, or VOO.
I've recently rent the route of VTI and VOO. Occasionally, I'll buy some large cap stocks like MSFT, NVDA, or TSLA. I have taken huge dips investing in small cap stocks that never came back because they trade on lower volume. So, I never buy small cap stocks anymore, because if they drop down it's harder to come back up than a large cap stock and a lot of them peter out.
Looks like VOO and chill and back on the menu
I previously wrote the below in response to a question asking what would be considered a safe long-term asset: Diversified. (A single company being 10% or less of your portfolio, or an ETF with broad holdings. This includes similar investments. I.E. holding two computer memory-producing companies are not diversified. You can see them as sharing the same risk profile.) No known volatility. (Commodities, penny stocks are volatile. Foreign bonds issued by a country or company at significant risk of default are volatile.) Key holdings of the investment not located in a likely war zone. Not dependent on political support. (Will a change in government = death of the investment. See: Biden-era initiatives to spur rare earth mining & refining that were killed off by Trump. Also, this is why Exxon won't invest in Venezuela.) Not heavily taxed. (I.E. Real Estate held in jurisdictions with a large annual property tax. That CAN be okay, but only if you have good reason to believe in long-term appreciation of the real restate will significantly out-perform the tax rate and/or it earns rent. I mean, we're usually only talking like a .25-1.5% annual tax here, but that is applied on total value, not gain.) Not easily stolen (this rules out physical metals & crypto). I mean, I'm crazy enough to have silver in my portfolio, but I don't keep physical silver. I like my ETF silver to be insured and held in a vault with professional security guarding it. Actors more powerful than you also have a significant interest, providing a protective force against malign actors. (Basically, would screwing you over on your investment also screw over politically powerful rich people - not individual power but class power? If so, the power of those rich people will help you. For example, it is highly unlikely that - even under Trump - the USA would default on its debt obligations. Why? Instant political death for anyone who does so because soooo many rich Americans & powerful institutions hold bonds.) Increasingly, I like geographic diversification as well. (So many investors are 100% invested in U.S. stocks, for example.) A good portion of my portfolio is quite safe by these standards (BBJP, EWY, VGK, as examples). A good portion of my portfolio is NOT safe by these standards. But I don't expect it to be & I more regularly check how those non-safe assets are doing. All that said, no investment is a guarantee. Intel, for example, used to be thought of as a rock-solid blue chip super-safe performer. It is down 20% over the last 5 years & is now pretty volatile and exposed to a government-held stake. -------- Because I have a fair knowledge of international affairs & thus a sense of where has better underlying economic fundamentals, I invest in region and country-specific ETFs. I re-evaluate where I've allocated my funds about once a year (or when major elections happen in areas I am invested in). If you don't have that knowledge, my strategy would be less useful to you. A common strategy recommended these days is "VT and chill" - VT is an ETF that attempts to replicate overall global performance. It has U.S. stocks, European stocks, Asian stocks, African stocks, etc.. It's the way some people try to achieve asset & geographic diversification I talked about in my screed above without having specialized knowledge. VXUS is a similar index fund that has only international (not-USA) holdings. It is what people recommend for investors that don't have specific knowledge that can add value & believe the USA is in for bad economic times over the next 4 years or more. Before Trump (and still today) you can see a lot of people recommending "VOO and chill" - VOO tracks the S&P 500. Essentially it is a holding diversified but geographically not-diversified (all USA stocks) fund. It's what people recommended for low-attention multi-year investing if you believed America had economic advantages the rest of the world did not have. So there's your three basic recommendations for someone who doesn't have some specialized knowledge they can rely on most people not having. VT = whatever, just invest in everything so I don't have too much risk anywhere and because improving technology should mean the world economy always grows. More or less what /u/pikapika505 and /u/brewgeoff suggested. VXUS = same as VT, but I think the USA is in for shitty economic times. VOO = same as VT, but I think the USA is special and will consistently do better than other countries.
Would dropping $10k into VOO be falling for that trap?