VOO

fmotto

Yeah as people have mentioned I feel like overlap isn't that big of a deal, I wouldn't sell ETFs just because of overlap especially if they are going to be charged capital gains on them. Moving forward it would be good to just be more aware of your overlap (which it sounds like you are) and ensure you're investing in a way that diversifies more (if that's what you want). You can use [turtto.com](http://turtto.com) to view overlap among many ETFs and it would also show how much you have in individual holdings. Like VTI/VOO and QQQ are going to have a lot in NVDA, AAPL, etc already. So maybe you're fine with that but might be worth just investing in ETFs instead of individual stocks as you'll be heavily weighted in the super mega cap stocks anyway. [Here using turtto](https://turtto.com/?tickers=VOO%2CQQQ&timeframe=ytd&graphType=adjclose&alloc=50%2C50&allocMode=percent) you can see that at a 50/50 split in VOO/QQQ (not recommending that) you'll have \~8% in NVDA and \~7% in AAPL.

Giratina_Guy

say VOO & chill and nobody bats an eye say GME & chill and everybody loses their minds

Brilliant_Horse_6614

Can of diet coke + VOO & chill

SnuffyMcfluff

Buy shares of VOO.  Remove your app. Don’t look for two years.  Wonder why the number is bigger even though you didn’t do anything.

NotASherwinEmployee

Roth IRA, every paycheck put 10-15% of it into VOO, QQQ, SCHD, and VGT… or spread that 15% across all of them. Max out your Roth IRA every year. When that is maxed out, do the same thing but under your normal stock accounts. A total of $10,000 right now into just VOO, should turn into \~$600k in 30 years if you don’t touch it, and much much more if you continuously add to it. Aim for $200/mo into Roth IRA if you’re making under $30k/yr, if you’re making $40k+ then aim for $500+/mo. By the time you hit 50, you should be able to quit your jobs and live off of the interest/dividends when combined with your retirement.

Glad_Falcon_5794

I love you bro, please put everything into VOO and never gamble again. You'll be a lot happier 

United-Flow6770

Just by the VOO and don’t look at it you’re not rich or old enough to gamble yet

DarkHampster

$45k in 0dte out of the money VOO calls is aggressive, but godspeed to you!

Own-Recipe5908

I'd mix the VOO bit between spyd (outperformed spy this year and has chunky dividend), VOO, maybe a smidge in bonds. The last 5k may as well just be thrown in SOXX since it'll go up if the other two do well anyway, SOXL if you wanna go risky with high returns or losses.

Careless-Place-170

if you're serious you might want to hedge a bit. MU or TSM are sort of high beta VOO, it's all one trade.

drmantis_toboggan13

I know this is mostly a YOLO sub but I’ve got $50k in cash I need to get into the market. Thinking like $40k/$45k just VOO and then bet on one or two individual stocks. Thinking MU or TSM. Any other thoughts?

Efficient-Fudge-3515

You’re young, it is much better to have learned this lesson now then when you’re 45 and have 20x as much money. Take it as an L, accept it’s gone, and invest in VOO, and focus on your education and skills. You will not get rich by constantly trading in the market.

JustPutItInRice

Could’ve just invested in VOO…. Why didn’t you

All-th3-way

Put the remaining in VOO, and your principal will likely double in 4-7 years. Then you can start college at 27. It's never too late to go to skool.

Indepti8

If you look at it this way, if you would have put it in an IRA and done VOO for 40 years you’d have like $1.5M!

kurai-tsuki

To rotate to defensive investments like consumer staples, should I sell my existing investments in VOO/VXUS to buy or should I just start investing all new money in those defensive ETFs and leave the existing money as is?

EvictionSpecialist

SP500 up 12%... Aka VOO But noooooo......you lost 60%.. Nice work. Don't quit your day job at Wendy's.

PossiblyAsian

OP let me tell you man. Take that money and put it in QQQ or VOO and forget about it. Don't do it. don't yolo it

Definitelyhereforshi

To think you'd be up ~5.3% if you just held VOO in that same timeframe 💔

Few-Praline9810

A legit answer is to join bogleheads and passive investors, and realize most people will never beat the market (I learned this lesson too a year or so ago). Rebalance your portfolio into some market ETFs and passively invest. My current portfolio is like VTI (or VOO) like 60% or 65%, VXUS for international exposure (like 30% or so). And a bit of AVUV for small cap exposure. If you'd rather bet on tech rn, QNDX for the cheapest nasdaq 100 (or QQQM or QQQ, but these have higher cost basis). Then don't touch the money for years. Don't try to chase yield, dividends, or high risk high reward. You can claim up to $3,000 on your taxes for the losses btw. Actively traded funds are pretty bad. Play with the numbers, watch historical stock market videos on risk (Ben Felix maybe). Uhhhhh. Check out bogleheads. They're really risk averse, but they still get pretty good returns. About half that of top 100 nasdaq companies. The reason you get a lower yield is because the top 100 nasdaq companies (QQQ, QQQM, QNDX) are heavily skewed tech and US. Which opens you up to consentration risk. And they're all large caps, which means smaller growth possibilities (and potential dot-com bubble corrections). You'll sleep better at night if you just passively let your investments play out instead of chasing gains. It'll take you a few years to see significant growth. And tbh you are at the point where I definitely could see your portfolio increasing to 100k easily if you just don't gamble and surpass that. At 100k, you are 1/3 the way to 1 million in time. At 300k, you are 1/2 to 1 million in time. iirc "No one wants to get rich slow" - warren buffet or something. Anyway, yeah, I can't guarantee anything. Not financial advice, but I do think it is a better plan than whatever you're doing.

Lonely-Internet-7565

I am holding right because I just cornered my supply and the other firm can now use that milli to buy VOO

Lonely-Internet-7565

This was not original agreement. Create a new coin and just use the other account for buying the whole supply and use that proceeds to invest in VOO

DigitalDaydreamers1

VOO has outperformed my try hard portfolio 10% YTD … so yeah

Solid-Mood9571

But I went all in VOO Friday I felt sure the market would dump lmao

CD274

Oh and also, sidenote. RSP has been outperforming VOO and SPY, it's the equal weighted SP500 vs weighted towards megacaps. This isn't normal but it is this year. It has a high expense ratio. I personally switched over to RSP but I trade daily and watch everything closely. VOO is still better to buy and hold and not look for year

blue2140

VOO and Chill. Or buy $KO.

Da_Millionaire

Put it in VOO and forget about it for 30 years. Wsb is the devil lol

Efficient-Fudge-3515

Honestly I would just throw it all on black, win and then throw it in VOO.

StuartMcNight

I know Buffet is not stupid to just have cash doing nothing. But VOO still beats their interest income. By far.

Electrical_Regret537

This is why I recommend people read Bogle's book. This thought process is paradoxical. The whole point of the index, at market cap weight, is that it DOES function this way. But in the last ten years this has been bastardized to equate buying VOO with buying a non-diversified tech fund. In ten years VOO make look different. It's the index. This is what it does. Even on Boglehead sub this idea of the SP500 has been so twisted that it's astounding. I don't even take their advice anymore because of these sentiments.

CD274

VOO Lowest expense

Alternative-Car8221

Had you just put the money and sat on in it VOO, you would have over $58K today and a lot less stress during the whole past year.

Zylavier

If enough people VOO and chill then everyone can just VOO and chill

Main_Ad3943

Ah I see. You've been trading memory too then, any predictions on where we may go next week? Obviously cannot be know, just curious what everyones sentiment is. I am current in a memory position that is stressing me o u t. Bought it after SNDKs earnings dump on its way back up Thursday morning, but got absolutely dumped on Friday morning. Honestly after I exit it, regardless of if I win or lose, I probably will stop doing options and maybe just move to VOO/VTI and chill, atleast until this market stops acting so crazy.

Shoganai_Hito

Was doing some risky options plays around earnings and ran up from $45k initial investment into about $110k… so plus +65k. Had some winners that i sold way to early on… including a SPY call i sold for a $300 loss… was a 3k bet that peaked at $64k a few days after i sold. I have been doing momentum plays lately on memory where i place $100k on stocks and sell after a small gain (\~$500-$1,000) I tell myself everyday to stop day trading and just VOO/VTI and chill

Shoganai_Hito

there with you man. Saw a YouTube vid about VOO. Average return with $100k after about 24-30yrs is around $4.5 mil. No guarantee but caught my attention

ToHellWithShorts

How could you have possibly gone red for a few days if you were buying qqq in 2022? I buy qqq every day in an automated investment. I have done this for 3 years now and the position has never ever turned red. I just DCA $50 a day, every day at open market price. I will do this forever. If you buy qqq every day for 20 years you will not lose money and you will be green forever. If QQQ is too volatile then switch to VOO.

Effective_Manager273

the 94% weight number is the right one to lead with, the ticker count is nearly meaningless in cap weighted funds and people quote it constantly. one thing i would add though. overlap by weight still understates the issue, because what actually matters is how much of your portfolio VARIANCE the two share, and that is higher than 94%. the unique 6% of QQQ is not some independent sleeve, its mostly other large tech that moves with the same factor as the overlapping 94%. so the diversification you get from that 6% is close to zero even though it looks like a real slice on paper. the flip side of your point is more interesting to me. holding both is not pointless, its just not diversification, its a deliberate tech overweight with extra steps. if someone actually wants that tilt they should size it on purpose rather than discovering it. the honest way to state a QQQ plus VOO position is "i am running roughly X% more tech than the market" and most people holding both cannot tell you what X is. if you want to make the post even harder to argue with, run the return correlation of QQQ against a synthetic SPY-plus-tech-tilt portfolio. it will be up near 0.99 and that number lands with people in a way that a holdings table does not.

StuartMcNight

They’ve had “record cash pile” for 10 years now” constantly growing the cash. Do you want to the math on how much that cash pile would be valued at today if Berkshire just “VOO and chill” over those last 10 years instead of hoarding cash? Do you need me to do the math? Or you just rather avoid the embarrassment?

brother7

I have accounts at all of the top 3 (Vanguard, Fidelity, Schwab). My top choice is Fidelity. For a young person, a single ETF that covers "the market" is fine. Something like Vanguard S&P 500 ETF (VOO) or Vanguard Total Stock Market ETF (VTI).

mayorolivia

He says broad low cost index. He never specifies an ETF. Investors use SPY, VOO, SPYM etc etc interchangeably to refer to the S & P 500.

MagJack

if you wanna skip individual stocks but dont wanna be as boring as VOO at least do VGT and SMH of something that outperforms

mazsive

Take for example people who keeps putting money into VOO. Nice dividend and the growth is not bad. Over 50 years they don’t need to worry about their money and keep throwing money at it. Pulling out and reinvesting is risky, sometimes often than not you end up not doing well.

BentoMan

Some days I wake up a GOOGL bull and am like Google 100% wins the AI race — screw VOO, I should full port And other days I’m like is it really a “race” when AI will be commoditized? Does AI add that much value to Google’s core services? 

NouvelErmitage

All this to lose to VOO by 4%. Give up geeza

dontrackonme

You get voted down because over the past 15 years qqq has made almost double what VOO made. sure, you pay a few thousand more in fees, but you make a fuck ton more money

Fit_Service8662

You're at a 100,000 a year for life with VOO and chill and the 4% rule... I strongly suggest you consider that and maybe retire.

Senior-Preference678

I did receive a lot of critics about posting this information on Reddit. There are a lot of new investors and it may help them, also may have long investor that doesn’t dig deep enough to small details that can make a huge difference ahead. Just think about paying 7x time fees over 10, 15 years, how much money will be losing if fees. Using the Python tool to calculate the exact fee drag and total opportunity cost. We will assume a $100,000 portfolio growing at a standard 8% annual return to see exactly how much money is lost to the higher fees. A $100,000 portfolio invested in QQQ instead of VOO will lose an extra $7,379.10 over 15 years purely to management fees and lost compounding returns. The Immediate Cost (Year 1) VOO (0.03% Fee): You pay $30 a year. QQQ (0.20% Fee): You pay $200 a year. The Difference: You lose an extra $170 in just your very first year for the exact same top holdings. 10 Years Because your investment grows over time, the fee is calculated on a larger balance every year. That means the dollar amount you lose grows exponentially.\[1\] VOO Portfolio Value: $215,293.55 (Only $598.95 lost to fees) QQQ Portfolio Value: $211,927.64 (A massive $3,964.86 lost to fees) The Total Penalty: You have $3,365.91 less money in your pocket with QQQ 15 Years VOO Portfolio Value: $315,897.74 QQQ Portfolio Value: $308,518.64 The Total Penalty: You have lost $7,379.10 straight to the fund managers. The money lost isn't just the flat fee; it is the growth that the fee would have generated over 15 years if it had stayed in the market. That $7,300+ penalty is real money that could have paid for a vacation, a down payment, or months of living expenses in retirement. Thanks for all downvotes in advance

Pretty_Western_8805

Go buy VOO - I hope this is a small part of your portfolio. Nobody can predict the future my man. It wouldn’t be prudent to try to figure out where the cheese is with all your chips.

Senior-Preference678

I did receive a lot of critics about posting this information on Reddit. Just because the information looks obvious to you, doesn’t means over millions user on Reddit Investing the information is meaningless! There are a lot of new investors and it may help them, also may have long investor that doesn’t dig deep enough to small details that can make a huge difference ahead. Just think about paying 7x time fees over 10, 15 years, how much money will be losing if fees. Using the Python tool to calculate the exact fee drag and total opportunity cost. We will assume a $100,000 portfolio growing at a standard 8% annual return to see exactly how much money is lost to the higher fees. **A $100,000 portfolio invested in QQQ instead of VOO will lose an extra $7,379.10 over 15 years purely to management fees and lost compounding returns.** **The Immediate Cost (Year 1)** **VOO (0.03% Fee):** You pay **$30** a year. **QQQ (0.20% Fee):** You pay **$200** a year. *The Difference:* You lose an extra **$170** in just your very first year for the exact same top holdings. **10 Years** Because your investment grows over time, the fee is calculated on a larger balance every year. That means the dollar amount you lose grows exponentially.\[[1](https://www.instagram.com/p/DagP3cej-8j/)\] **VOO Portfolio Value:** $215,293.55 *(Only $598.95 lost to fees)* **QQQ Portfolio Value:** $211,927.64 *(A massive $3,964.86 lost to fees)* *The Total Penalty:* You have **$3,365.91 less money** in your pocket with QQQ **15 Years** **VOO Portfolio Value:** **$315,897.74** **QQQ Portfolio Value:** **$308,518.64** *The Total Penalty:* You have lost **$7,379.10** straight to the fund managers. The money lost isn't just the flat fee; it is the **growth that the fee would have generated** over 15 years if it had stayed in the market. That $7,300+ penalty is real money that could have paid for a vacation, a down payment, or months of living expenses in retirement. Thanks for all downvotes in advance

The_Lonely_Optimist

If he invests as little as 25% of his income, VOO/VTI could actually be amazing choice… if he wants to comfortably retire by the time he’s in his early 70s. 🙂

FaithlessnessDue7224

I'm 90% VOO, AMA

stupidber

I should've bought more VOO

BlackKnightsOptions

You might be alive in VOO but you aren't living 

Senior-Preference678

You hit the nail on the head. That is exactly what is happening. To make it worse, you are paying a premium for that second jacket. When you buy both, you are paying two different management fees to hold the exact same top positions: \[[1](https://www.reddit.com/r/ETFs/comments/ummgke/why_is_fund_overlap_an_issue/)\] **VOO (S&P 500)**: Costs a rock-bottom **0.03%** expense ratio. **QQQ (Nasdaq-100)**: Costs **0.20%** expense ratio. By adding QQQ on top of VOO, you are actively paying **nearly 7 times more** in fees for QQQ's portion just to double-down on Microsoft, Apple, Nvidia, Amazon, and Meta. **The Same Fabric** **Top 5 Holdings**: Microsoft, Apple, Nvidia, Amazon, and Meta. **What happens**: These five stocks already make up roughly 25%+ of VOO. In QQQ, they make up over 40%. **The Result**: Your 50/50 portfolio isn't diversified; it is just a super-concentrated bet on a handful of tech executives **The Only True Difference** **What QQQ adds**: A tiny 6% sliver of Nasdaq-exclusive stocks (like mid-cap biotech or tech firms not yet in the S&P 500). **What QQQ drops**: You completely lose exposure to the S&P 500’s financials (JP Morgan), energy (Exxon), healthcare (Johnson & Johnson), and industrials (Caterpillar) on that portion of your money. **How to Actually Fix It** If your goal is to actually add a *different* fabric to your portfolio rather than just overlapping large-cap US equities, you have a few structural options: **For Small/Mid-Cap Exposure**: Pair VOO with an un-overlapped fund like **AVUV**or **IJR** (Small-Cap Value) to capture the bottom of the market. **For Sector Diversification**: If you want tech but want to avoid the exact same top 5 stocks, look into an equal-weighted tech ETF like **RSPT**, where every tech stock gets the same slice. **For True Diversification**: Keep VOO as your core, drop QQQ, and add international exposure (**VXUS**) or bonds (**BND**) depending on your time horizon. Source: Gemini Ai

Any_Influence_8305

Thank God I'm a degenerate, imagine going through life all VOO and chill my good sirs 🤓

camellarodrigo

So you r telling me everyone holding both QQQ and VOO thinking they are diversified is basically wearing two jackets made of the same fabric and calling it layering. 94% overlap is like paying two expense ratios to own the same stocks twice with extra steps

ahabooo

This looks really good, congrats! I would only modify 1 thing, while building up emergency fund i would max the roth ira every year (only 7500). You can take out the money you put in (your base contributions) at any time without paying taxes or penalties in roth IRA. So it could be used as emergency fund as well and all your gain is tax free. You can start with SGOV, then once you have enough emergency fund in the brokerage account you can switch to VOO Look up the money guy financial order of operations. I am non US citizen as well, all the tax advantage account in the US can be managed outside US. Everything is online these days

saryiahan

VOO and chill

dogs_gt_cats

You should have a "fun money' part of your budget, you're allowed to live, just be sensible about it. If you like to travel set some cash aside for it. I would make the following tweaks: 1. Modify the 401k contribution such that you can afford to fully fund a traditional IRA *POST TAX*, and then do a Roth conversion (backdoor Roth) in the new year. Keep it maxed. Reason being a 401k is limited to what funds are offered, an IRA you can invest as you see fit. 1. Once the IRA is fully funded, continue maxing out the 401k. 1. In addition to your plan for your emergency fund, I'd strongly recommend setting aside 1 month of bills worth of cash in a savings account too. SGOV is great (I use it myself for 6 months of bills) but sometimes you need cash immediately and can't wait for an ACH to process. Big ups for SGOV for maintaining a well of cash/deep emergency fund representing a few months of salary. It has treated me quite well. 1. VOO is fine, though I would strongly consider adding some international exposure as well (VXUS is great). Overall your plan looks great, more on the conservative side which is great for times like these (I also lean conservative in investing). Stick with this as the core of your account and it should treat you really well. Automate as much as possible so you don't fall out of your good habits. One thing to consider - I know housing in your area is abysmal price wise, but look up the term "house hacking". At your age it is realistic to pull off, it gets a lot harder once you set down roots. Being able to put down a few percent on a mullti-unit and have tenants pay most of your bills is not a bad deal, and equity is your friend. It's one of those investment strategies that gets harder as you get older with family you can't just relocate. Overall, really well done.

RickDick-246

I would lock in those gains and probably put it in ETFs. And I have. I don’t necessarily want it in SGOV. If I were just going to try to beat inflation and needed that cash in the near term, I’d probably just stick it in my HYSA. If it’s going to remain investment money, I’d de-risk it and go 80/20 VTI or VOO and VXUS. There are a million ways to cut it. You could take half and put it in ETFs, you could take a % and put it in SGOV or an HYSA, you could leave half in individual stocks. Just depends on your risk tolerance.

trix_is_for_kids

It’s the easiest individual stock to buy because as you said it’s essentially an etf. It’s like buying VOO, just dca and forget

SpcyCajunHam

DCA into VOO for 20+ years

spilledonwhite

Yeah but VOO doesn't go down. Max drawdown -2%

spilledonwhite

I will never ever ever ever ever ever ever buy a put on SPY ever again. My fellow bulls I am so sorry. SPY +1% every week until the end of time. Full port VOO. There is nothing like it.

Logical_Stranger4889

I’ve been eyeballing that. About 90% of my holdings are in VOO/S&P 500, have wondered about allocating 10% to like SCHD or something where the balance is slightly different

RickDick-246

I start from scratch every year when I update my allocation. I’d do the exact same thing I’m doing today. 80/20 VOO/VXUS. I just wish I had learned earlier. In my 20s I bought a lot of individual stocks and probably came out barely ahead but with a lot more stress.

Tentman66

I’m 52% VOO, 6% ASML and 5% SMH. I wanted the huge ASML overlap. 

Emotional-Power-7242

The philosophy behind VOO and chill is that you just buy the entire market at cap weight for as low a fee as possible and recieve average market returns. VOO returns by definition are average (US) market returns. Technically VTI is average US market returns but VOO is close enough as to make no difference. If you try to recieve higher than average market returns you are extremely likely to actually recieve lower than average market returns net fees. The only reasonable you would buy NASDAQ is because you think it will outperform VOO. So per this philosophy you will underperform VOO. So you just buy VOO.

Themeatmanofdoom

VOO and chill such a cheat code

Xalksahsax

Once SPCX gets in VOO I'll just buy leaps like I do with TSLA. At most I lose the premium. It's a fair trade for me.

Xalksahsax

Brother, I'm parodying the permabulls. I know the market's euphoric, but it doesn't mean I'm selling my VOO. I'll happily ride the gains.

dogs_gt_cats

This is a good approach. Alternatively, you can add a small tilt towards an equal-weighted fund that focuses on the same basket. For example, VOO (market cap based) vs RSP (equal weight). Downside is equal weight ends up being a little more expensive due to its active component when it rebalances. Market-cap based midcap is probably cheaper.

PiBolarBear

I have ADHD and my therapist used to tell me the world isn’t all or nothing but damn it feels that way sometimes. I’m doing something similar with much lower amounts. 80k in money market funds at Fido, 20k in $VOO and 10k in $MGK. 

SuburbSteve

Every 8 years plus or minus 4 years we will have a big market correction, so you have to be prepared to live through them. A 30 year old will see 4 big corrections by the time they are 60. It is part of the process , just buy VOO and VTI and never look at them.

-sakuranbo

yolo it in your college tuition then regret not putting it into VOO instead 4 years later

Immediate-Owl-6916

Setting a moonshot limit order the night before and having it not just fill but blow through your ask by market open is a special kind of pain only this sub understands. Turning the NFLX rug into a green week either way should count as hazard pay honestly. "VOO and leave the degen life behind" lasts about as long as it takes to glance at the next 0DTE chart, we all know how this ends. Godspeed indeed.

RemyVonLion

What isn't a meme stock besides VOO/S&P500?

tachyonvelocity

I'll save you guys the time: VOO YTD +13%, 1-year +23% OP's portfolio, which he's promoting for money, is YTD +12%, 1-year 17% Since he seems to be also concentrated in tech, the appropriate benchmark is actually QQQ, which is YTD +17%, 1-year +26%. I am up YTD +22%, 1-year +44% on a non-concentrated portfolio. Maybe I should make my own fund.

Fit-Engineer8778

Been bag holding MSFT since like an ape I bought the top last time and it finally went green. Contemplating just selling it and put the funds into exxonmobil and QQQM/VOO. Idk yet. Need a regarded take to convince me otherwise.

calvin_tam

People been telling me to VOO and chill, I say fk that, HTZ and chill in your brand new Lambo (rented from hertz)

Hopeful_Tea_7551

Thanks for the perspective. This is the only biotech stock I own, I bought the majority of my shares back when it was $3 a share. It's a company I've followed for years going back to when it was NantKwest...I otherwise don't invest in this sector. IBRX is a long term speculative bet for me. Curious if by "write options against them" you're referring to writing covered calls? If yes, I've been interested in that but not sure if it's a strategy that still works (even if you're conservative with how you do it). Additionally, when VOO, QQQ, VTSAX etc. are returning 15%-25% (give or take?) over not just a short, but intermediate to long term horizon...I also have a hard time arguing against investing in those, although I worry about whether or not those index funds, given that they track market cap weighted indices like the S&P, are truly as diversified as people think they are.

natewOw

Bro you're 20. You don't know fuck all about Jack shit. You don't have the education or the qualifications to be worried about this. Just VOO and chill.

Dazzling-Junket-7370

VOO if long term investor Very hard to out perform the market consistently Very easy to match the market always Boring but powerful

fuzzyfurrypaw

Since I’m not buying any more of it, I’m just gonna let it ride and hopefully it catches another wind in a couple years. VOO and SPMO are your friends if you haven’t got in and just want to invest instead of getting rich.

fuzzyfurrypaw

Depending on if you wanna get rich or just beat SP500. Full ported few years ago, and a pretty much flat till a year ago. Questioned my choice many times over the years but told myself just wait. Even after all the correction, currently I’m still beating VOO (unless it’s dropping further down). But I stopped accumulating semi after full porting and have been now just doing SPMO just in case.

Ok-Location-9544

If your in it for the long road, VOO is your safest bet bc it’s the stop companies in the US, not just tech focused or any other sector. Although tech makes up most of it right now, VOO adjusts as well. I do 50/50 VOO VGT and hope for the best in 30 years. There is some overlap, but I’m alright with it. I don’t see tech going away anytime soon.

hecarimstevejobs

Wish I just stuck with this. Was $VOO and chill from 2021-2024, thought I was smarter than the market o & sold out of it to rotate into individual names. Portfolio would now be up +100% if I just stayed the course. Instead it’s been stagnant, & actually a little negative since I tried being the Wolf of Wall Street. Biggest regret was buying $TTD at the beginning of this year. Turned 22k into about 7k in just under 9 months. Feels pretty bad.

coopermug

True. Most people I talked to lost money. I did too but I got lucky with AI and I was able to get back. If I start over again, I'd just buy VOO

bbddbdb

VOO has the lowest management fee of any of its competitors

Useful-Contribution4

Its a bubble. But who knows when it pops and by how much. You can still be up in the end. But im not a regard so I VOO and chill.

DocInABox33

Your basis is price, not returns. That’s ok because that’s where all beginners start. When you realize it’s about reducing your risk WHILE getting returns, you start to look at metrics that matter more. Look at the high and low for QQQ vs VOO. That’s called variance and when you standardize it you are looking at risk adjusted returns. As an example, would you rather have a 90% chance of 5% gain or a 1% chance of a 200% gain? Seasoned investor picks the first because not only is it better returns you also compound the higher return. Math part for above: The first option has an expected return of 4.5% (0.9 x .05) Second option has an expected return of 2% (0.1 x 2) The examples are extreme to illustrate the point. A more realistic understanding is compare the standard deviations for VOO and QQQ. The greater that number, the more risk you take. And remember it’s percentage of the dollar number. A lot of people assume if you are up 50% in one year and down 50% the next you are break even. But use a simple example to convince yourself it isn’t: YR 1: start with $1,000, 50% return, end with $1,500 YR 2: start with $1,500, negative 50% return, end with $750 So you could be up massively with QQQ versus VOO but the reason those returns are higher is because the risk works the other way. TL;DR better to pick the turtle than the hare.

Own-Committee-3934

If you VOO till you die you’ll be a millionaire

turtlenips69

Buy VOO

veryfastsnail99

DCA into my all VOO account. Degen wise some SPY puts but not trying to lose all my gains from earlier this week so lol

Particular_Rice9607

might as well buy VOO now

JungleRollers

Why QQQ instead of VOO?

ryuujinusa

Yeah, I don’t think there are many lower than VOO. I’d argue VOO is one of the lowest.

TrashBandicook

> It’s the cheapest way to buy and hold the S&P that I’ve found yet  Isn't it more like Walmart knockoff S&P500? They're not paying the licensing fees to S&P, hence the lower fees. But it also means they're using their own methodology that might show slightly different performance from say VOO.

MLG_Ethereum

Fun fact, WSB least mentioned ticker is VOO