Reddit Posts
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
Everyone who makes these type of post would be better off just buying VOO.
no, you're wrong. 98% of professionals did not lose to VOO after fees and/or taxes.
Using 12% for the average return is a bit optimistic (I know you're using the historic average of VOO/S&P500), but it doesn't even account for inflation lol... A common projected return is like 7% because then that's estimating 10% for VOO and subtracting 3% for inflation, resulting in \~166k in today's dollars after 30 years. Big difference lmao
Well, for starters, the old "past performance does not predict future returns" adage applies. VOO is just the SP500, which has been a strong performer, but it's completely concentrated in large cap US companies. VT includes international and smaller cap companies. VT has underperformed relative to VOO largely because international stock gains have been modest for over a decade. Maybe the SP500 continues to out perform, maybe it doesn't. People are betting that given the political instability currently existing in the US, international stocks may have a run, and VT gets you much broader exposure. It's a very simple way to sort of get exposure across the board. Reward has been higher in VOO, but risk is also higher, given the relative lack of diversification.
Doing the same as I always do, $2000 a week buying VOO and chill. People panicked in April, people panicked in 2022, set it and forget and hopefully in 25 years it all works out. If it doesn't work out I think I'll have a lot more things to worry about than my portfolio
VOO and chill for a while while you continue to research as you can always relocate pieces into specific names as you find opportunities
If you were to not have lost this $7k and instead put it into VOO and only contributed $100/month for the next 30 years you would have $500,000. Congrats regard, you just lost $500,000.
I have a set schedule for investments (same $ amount every week, how that gets allocated depends, but mostly VOO(90%) and a basket of semi stocks). I'm young enough that the dips should work out in my favor, and id rather do it this way then trying to catch the knife.
Learn to invest. Start with VOO Read. We are living in the AI field. You could learn in a weekend enough to create millions.
Is there some sort of mutual fund involving VOO or anything else reliable? I heard that mutual funds are safer and a good investment around this time. I was able to make a profit from selling individual shares recently, especially VOO but the volatility of individual stocks lead to me not buying more once I sold some since I wasn't willing to risk the gains.
I was going to say I think AGTHX has performed pretty decently, but yeah probably long term just chilling in VOO would outperform from the fee drag
Real talk, have 90k to deploy for long term (VOO). Already put in 20k over the past 2 weeks. When the rest?
Dollar cost average into VOO until you have $10K invested. Then you can worry about picking individual names.
Me too still 20 years in the market. $1k / wk VOO and if I have extra cash I buy the dip!
I’m curious on this. VOO has a better Sharpe, alpha, max drawdown, and upside return in relation to the index. So why VT over voo?
I’m curious on this. VOO has a better Sharpe, alpha, max drawdown, and upside return in relation to the index. So why VT over voo?
The S&P500 does not have fees, and it does not pay taxes. Investors have to pay both. Even investors 100% invested in VOO. So investors would have to generate a lot of alpha just to keep up if we're factoring in taxes and fees. Hope this clears it up!
98% of professionals lost to VOO after fees and/or taxes.
I’d DCA VOO and then continue to consistently contribute through the highs and lows.
I think you are misunderstanding account type for investment type which makes sense considering you are relatively new to investing. Roth IRA, 401k, Traditional IRA, HYSA are all account types. VOO is an investment inside an account that allows you to own all the largest 500 publicly traded companies in the USA. It is diversified because of how many companies it covers. An HYSA account doesn’t have any investments in it. It’s just AMEX giving you a percentage of interest paid to you. They do this because they can earn more then they give you and lend your money out to other individuals who pay them a high rate to use your money. That amount is called a spread and is the amount they earn minus the amount they pay you. You should definitely consider moving that money to a brokerage account or a retirement account and invest in an ETF like VOO. On average over a long time period VOO should earn you approximately 10% which is much higher than the rate you are getting on your HYSA (which barely outperforms the rate of inflation). As for your company you should find out ASAP if they offer a 401k and how much they match. If they offer it and have a match percentage you are truly missing out on free money they will give you that free money that you can invest for retirement. Each retirement account has certain investments they will allow so once you make sure through your employer that it’s set up ask the Human Resources person at your company which financial firm manages all their 401 accounts and you can contact that firm to find out what your investment options are. I would focus 100% first on contributing to a 401k at least the amount your company will match. The next best step is more personalized about how you feel about having student debt. Since VOO on average over the long haul will gain 10% a year if the interest rate you are paying is less than that it’s (in my view) ok to just make the regular loan payment and invest any extra amount you have each month (and can afford) into a brokerage account in which you can buy investments. If the interest you are paying on your student loan is more 10%, then I would try to pay that down first before opening up a brokerage account. I hope this helps. Investing can be difficult to understand but it’s great to see you are taking steps to learn about investing and go about doing it. Good luck with your investing journey.
VT has a broader selection including international with VOO being a narrow US only. Risk/Reward is different so depends on your own preference.
The top comment is VOO and chill. I think the problem with forum polling is you get good and bad advice. If you want safe, VOO is about as safe as the us economy as a whole and that's not an opinion it's the basis for the index itself.
the overlap between VOO and QQQM is real but it's intentional, not a mistake. VOO is already like 30-35% tech. adding QQQM is a deliberate growth tilt, not an accident. you're essentially saying "I think large cap tech outperforms over the next 20 years." a lot of people do and it's a defensible bet. The downside is what happened in 2022 — Nasdaq dropped 33% while the broader market dropped less. with this portfolio you'd have felt that harder. if you can hold through that without panicking it's fine. VXUS at 20% is a mild underweight vs global market cap (\~40% non-US) but totally normal for someone US-tilted. Overall this is a coherent portfolio not a chaotic one. the simpler version is just VTI+VXUS but yours is fine too. If you want to dig into what's actually inside each of these and how they compare on holdings/fees: [wealthiq.co/best-etfs-to-buy-2026/](http://wealthiq.co/best-etfs-to-buy-2026/)
So true just buy more VOO tomorrow when it dips and wait a week lol seek it lol and repeat lol
Only invest why you can. If you can invest the first thing you wanna do is max out your 401k. If you do that ‘voo and chill’ in a brokerage account. As you’ve said you don’t understand that and when I started I didnt either. VOO is a ETF by vanguard a company involved in the stock market. VOO is one of the most popular ETF that tracks S&P 500. ETF are comprised of lots and lots of companies. (VOO might be around 250 I’m not sure) ETF like VOO is good because let’s say Microsoft under performs. Though if Apple and nvidia both over perform that day you will make money. Which is why you can chill because you won’t have the stress of an individual stocks. Hopefully that answers some of your questions.
Decide how long your time line is with-a percentage of your cash. If you are comfortable with 10 plus years with a percentage of it ,buy in over time in tranches.For relative safety invest in vanguard index funds as their rates are some of the lowest in-the industry. I would agree VOO is very heavily weighted with AI stocks ,therefore would buy only some and only on a dip(15% or more off from the high ) ,diversify with VT,VTI and a vanguard value stock index . Also buy in on dips of 15% or more , off the high . It’s not guaranteed it will drop this much , but all the indexes are overbought and correction time is due and with geopolitical factors being what they are , likely to drive indexes down further . Diversify. Synchrony Bank has a 4.1% cd for 14 mos . Just tied up a significant chunk that I will not worry about and can sleep at night . Will buy into the market on broader dips, 15% down from highs, and more if 20%. Buying certain stocks that are value and have fallen in the broader drop but still have good value. Looking at Canadian stocks in us index. Recently have bought BN,MAIN,NNN,VICI ,ARCC ,VZ (at 39) ,BEP (at 19). With the exception of BN have bought in retirement accounts. Others, let me know your thoughts on these. Open to discussions . I have a long watch list and waiting for fundamentals to line up to buy.
VT is much more diversified. VOO is 500 companies.
DCA VOO with a 52 week time horizon. In other words, buy $385 worth of VOO once a week for a year.
Yea pick an amount of money that keeps you comfortable to live and have access to in the bank and invest the rest. VIG, VOO, VTI. If you are afraid of losing money short term or timing the market it won't work.
No. Well I lied. Since VOO is 5% down, I’ll be buying again, but this is looking like the dot com bubble or worse with 0 things to be bullish on (apart from mass layoffs lol)
Go with the fidelity version of VOO. I also invest in their short term bond etf Basically since I’m on fidelity I only buy the fidelity 0 fee ETFs
That VOO will get you nowhere this year. YTD return is -5%. The 7 cheerleaders of 500 is really the overhyped AI companies. In my opinion, if there is no oil/energy the consumer sector is badly interrupted globally. AI has to take a break if infrastructure is badly interrupted. This year I will invest wisely by taking min risk. I added more in defense industries. Uranium may be good also. There is tremendous demand for alternative energy as many countries import 100% of oil/gas from middle east.
Normally VOO-style is not about timing entry price. It's about holding for decades and believing that even with some stormclouds on the horizon the USofizay is still a good gamble. If you need that money for a house deposit in a year or 2 then VOO could easily mean you lose money. But no one knows the future!
Wonder if the VOO and chill boys going to keep bashing in me when I basically called out a recession before end of decade?
I’ll be a contrarian and say this is not good advice. When Anthropic, OpenAI, and SpaceX IPO it’s estimated that the top 10 holdings will represent 50% of the index. VOO is already top heavy with the top 10 holdings representing 37% of the index. VOO is becoming more of a mega-cap AI bet than a broad market index. I recently sold out of VOO and created my own passive index.
Real talk, have 90k to deploy for long term (VOO). When?
VXUS is a good index fund that has the rest of the world. 70/30 VOO/VXUS split is one I use. It's growth oriented but balanced a bit vs 100% VOO that some advocate for growth. I have a bit of SCHD mixed in as well. Generally I think you want to set up your mix so that you are prepared for various market conditions but a lot of what you do depends on your age, goals and risk tolerance.
FXAIX is better than VOO
VOO, but also look into some good dividend stocks like SO.
U would be WAY more diversified and have considerably less risk if u put the money in VT. If u wanted to get a little more exposure to small cap and value, you could put 80-85% in VT and then 15-20% in a small/value etf. I like avuv While its very popular on reddit, Putting all ur eggs in an S&P500 etf like VOO is not the smartest things to do
Just to be clear VOO is the S&P 500. It’s a cap-weighted index fund tracking the same index that’s been tracked for decades. So when you say it “beats the market 90% of the time,” what market are you comparing it to?
Sit back and watch your nice dip form before your eyes! Typically has been a V shaped recovery so won’t stay at the bottom for long, but buying small amounts here and there to keep track until you plop the rest in. Either way, know you’ll never buy the bottom or sell the top. Things will be different in 2040 so adding through the years are important. Start with VOO and if you find interesting company’s pick up a couple shares. I find this game fun!!
Great position to be in at 35 — you've already cleared the biggest hurdles most people struggle with (emergency fund sorted, house down payment separate, solid income). Here's how I'd think about the $70k: The core framework: ETFs first, individual stocks later (if at all) For someone who wants to "grow money safely over time," broad index ETFs are the answer — not because they're flashy, but because they're the mathematically boring correct choice. Something like VTI (total US market) or VOO (S&P 500) gives you instant diversification across hundreds of companies. You don't need to pick winners; you own a slice of all of them. If you want some international diversification too, pairing VTI + VXUS (international) covers essentially the entire global market. Very solid, low-cost foundation. On mixing in individual stocks It can make sense to allocate a small portion (10-20% max) to individual stocks IF you're willing to do the research. The key is buying companies trading below their intrinsic value — what value investors call a "margin of safety." You want to understand what a business is actually worth before you buy it, not just what the market prices it at today. Most people skip this step and buy based on momentum or headlines, which is how they lose money. On timing with $70k Dollar-cost averaging (DCA) — investing a fixed amount every month rather than all at once — reduces your risk of buying at a peak. With a lump sum this size, spreading it over 6-12 months is reasonable and helps you sleep at night. Biggest caution: don't let perfect be the enemy of good. The biggest risk for most people isn't buying at the wrong time — it's staying in cash too long waiting for the "perfect" moment that never comes. Time in the market beats timing the market.
You're going to get a lot of advice that says plow everything into VTI or VOO, set it and forget it. This is unwise, given your statement that "I want to grow this money safely over time, not trying to get rich overnight." Sure mega equity exposure has given people the opportunity to harvest multiple years of double digit returns over the past decade and a half. But that's if you bought then. As veteran market participants like to say "past performance is no guarantee of future results." The zero real, and negative nominal interest rate environments that the Federal Reserve implemented along with massive increases in the national debt (decreases in the value of the dollar) had a lot to do with that. Could the market keep doing that for a decade? Possibly. Could it lose 50% particularly given the current geopolitical situation? Possibly. Could it take a decade or more to recover? Possibly. All these things have happened in the past. Given your goal of growing money safely over time, you need a diversified portfolio. Look at Harry Browne's permanent portfolio or the Golden Butterfly portfolio as examples. The former offers a 25/25/25/25 split that you occasionally rebalance. The latter is a 20/20/20/20/20 split. The one caution that I would offer about both is that they were developed in a time when US treasuries were almost "good as gold." Particularly long dated treasuries are not. My personal philosophy is given current conditions not to hold anything with more than 5 years to maturity. I certainly wouldn't hold anything more than 10. Best wishes.
excuse me, may I ask a question as well? I’ve noticed that many people tend to recommend VOO, and I was wondering why QQQ or SPY are not suggested as often. Last year, I sold my VOO holdings and moved my investment into QQQ and SPY. Currently, I have invested $10,000..
VOO is pretty resilient against single name shocks, even with the concentration risk. Microsoft, Tesla, Amazon, and Nvidia are down 21%, 18%, 11%, and 7% ytd. Apple and Meta are down 9% and 10%. VOO is down by less than 5%, not including dividends.
I swear if I hear another “VOO and Chill” or “boggleheads”
Do you own any yet? If you don’t then start off with small purchases of the big ETFs - maybe SPY , VOO, and so on (I was gonna say etc but didn’t want you to think tha was an ETF or index fund 😂) 20k is nothin to scoff at - do some research (like you are) watch a few YouTube videos and find someone you can talk to whose been in the game for a decade or so - someone who understand how the market works in crisis and when things are good . Also might want to look at diversifying - recently Ive been buying silver but I buy silver rounds and bars. Just look into it.
VT or VOO at least $200/month and then just wait for the millions to roll in
Investing is made to be seen as complicated, but it doesn’t have to be. Indexes are your friend. Buy VOO, VTI, whichever you prefer, and continue to buy, especially in downturns.
Right now, SGOV 70%, 30% VOO. When things get better switch these investments. 70% VOO, 30% SGOV
I would stick to hard assets and commodities in a time of unrest and turbulence. There are many converging factors that make this unprecedented times that makes the whole VOO and chill thesis risky. Right now, a large fraction of the world's oil production is destroyed and the ones that exist are choked through the Strait of Hormuz. This will cause mass inflation. In 1973, there was a similar oil embargo and there was mass inflation. Gold and Silver shot to the moon with the prediction of an impending currency collapse. However, a historically hawkish Fed, Volcker, was selected in 1979 to reverse the course. He raised the interest rates to 20%. This regained global confidence in the US dollar and allowed it to recover after two years of pain. However, we don't have that trump card nowadays. The debt-to-GDP ratio has gotten so high than even 1-2% interest rate hikes will cause the interest obligations to surpass the defense budget. This is what happened with Japan and they had to stay on negative interest rates and a stagnated economy for decades.
I’d DCA it in to an index like VOO
So there are exceptions to the rule. Is it then possible that someone of a given age, balance, and experience with investing as well as exceptional geopolitical situations create a situation that someone just doesn’t 100% VOO? Isn’t it also reasonable to believe that the previous stock bond split was unfavorable to bond holders due to interest rate movements? I really don’t understand people who believe geopolitics do not matter. Geopolitics is the distribution of wealth and power at nation state levels. Financial independence is not so different but at the nuclear family level. People need to make personal finance decisions based on their nuclear family situation, their education and opportunities. Why the belief then that geo-politics has no bearing on how much one should support the S&P which represents American exceptionalism?
I learned from your mistakes and invest in VOO. You should too.
Thank you foe the info, OP. I don't know why you're being downvoted- it's nice to discuss how current events can potentially affect the market. You all know you still read information and other opinions and stick to the "VOO and chill" mantra, right?
I stash it away like my weekly VOO contributions
which is a useless statistic, since even if you held 100% VOO you lost to the S&P500 after fees and taxes.
My 5th date with a cute Latina went really well today boys. Very compatible in the bedroom to say the least. My stop loss triggered for VOO at 598, I better not have sold at the bottom 🫠
1. The S&P has had record yoy performance since 23. 2. I have no tax event selling off equities and S&P to cash. 3. The biggest risk of being all cash is FOMO opportunity cost of missing some rally. 4. Make predictions on the most incredible bull moment ever and make a realistic assessment on what you may stand to miss out on and make an assessment of risk conditions going the other direction. 5. The likelihood that Trump and Hegseth, fragmented Iran, or war mongering Zionists leads us into missteps based on the many previous missteps looks a fair bit higher than aliens landing on our planet, solving world peace, and just handing out new energy solutions that removes the worlds dependencies on fossil fuels. Should aliens come down and do this we would have a post scarcity society where maybe our 401ks are meaningless anyways. 6. There are mixed signals from both Iran and US on how far they are willing to go with this war. Every sane person wants an off-ramp. Israel so obviously doesn’t. Hard to say what goes on next 3 months but I predict side way movements with down turns during any inflation reporting. Even the upside of AI seems tenuous since laying off many big tech workers in itself is interesting as how many of them tend to invest in either S&P or big tech themselves. 7. The vast majority of vested wealth lay with old folks with risk allocations not by the book. They tend to be pure VOO or even QQQ. This is because bonds have been pretty lousy and every old person is entitled and spoiled to believe the S&P will always be this juiced. Any cracks in American exceptionalism and S&P or QQQ market performance are like cracks in a dam. Folks are awkwardly bullish to the point that the moment you say you are NOT bullish they believe you are throwing your money into the fire and say “good luck bro!”. Sorry when grandpa and grandma are tech bro investors you better worry.
I beat the S&P for 15 years. My portfolio was 50% VOO and 25% COST, 15% AAPL, and 10% AMZN. I held all of these positions with a DRIP with out selling for 15 years…
I did. I have 99% VOO and 1% google for 10 years
My money is in a HYSA, life is so peaceful 🥰. Thank god I sold that 5 shares of VOO at the lowest on Friday 🥰🥰🥰
Yes, but VOO was started in 2010. Berkshire cagr since then has been around 12%
VOO CAGR seems to be around 7% since Sept 2010
Nah VOO has historically given back 10% a year on average
I hope so because I can’t even sell due to the massive loss I incurred with that BS a couple weeks ago. No choice but to sell and hope for the best. Honestly I’m somewhat new to investing and I’m THIS CLOSE to just getting rid of everything and sticking with VOO
Alright, I’ll bite, $250k to invest, happy with a little risk like QQQ, what do I do with $250k that’s better than 50% VOO and 50% QQQ.
Judging by post history, it seems alike you are an American. Be wary, it is a pain in the butt to buy foreign ETFs as they qualify as passive foreign investment companies. If you are American, best to buy American listed ETFs. Also. Also, long term, VOO has outperformed 0050.
Thank you, good strategy, I should start using SPY and/or VOO as well !
Tbh, I don’t focus too much on individual stocks, my main priority for now is broad indexes. At the moment, only these three individual: MSFT, GOOG, and DOCU. The latter is the most interesting in my opinion, as I don’t see how AI is an enemy of DocuSign. If anything, it’s a booster for their product. As for the indexes, I’m selling puts now on the classic ones: VOO, VTI, VXUS, and I just started with SMH and XSD. As gold seems to be coming back to a more reasonable price, I’ll probably add IAU into the game.
Eh, even after that fall VXUS is +24% over the past 2 years, the exact same as VOO but VXUS has a PE of 16 to VOO’s 26. US has the best businesses in the world but they’ve overpriced with more space to fall. More room to run for VXUS.
Just look at Japan (Nikkei 225) in the late 1980s. We could go through a 40+ year period with no growth in the stock market…. And that could start TODAY in theory. Really it could have started in late October. Even in the US, the S&P didn’t see a new all time high between 2000 and 2013. Empirical data shows that if you DCA’d through those periods you’d still have wound up making a good return in the end, but I were close to retirement I’d evaluate a strategy’s beyond just “VOO and chill” tbh. Luckily I’m not
Hi, I am a dum dum, but would U recommend me to long term invest in VOO or VTI. I prob have like 35 years left in me to retire lols
Man, I was literally using ChatGPT a few months ago to understand how energy trading work, it didn’t tell me jack shit but told me to follow the news It didn’t tell me which energy stock to buy or what the F to do. All I know is buy VOO and hold like come on
WTF why is it pumping. I miss my 5 shares of VOO that I panicked sold at the lowest today…
I’m in the exact same boat as you but just in this last year. I would have 3X more money if I never discovered options and just VOO and Chilled
Because there is no alternative when all of the money in the world has decided to force something into existence. Even if you VOO and chill, you have something like 50% weighted AI exposure. Governments missed or refused their chance to regulate AI when they stole literally everything for training, the Mag7 are all implementing it in one way or another, VCs have backed it with hundreds of billions of dollars, and nobody cares enough to burn down data centers. Even if there is an AI bubble, AI will still be an integral part of the world in the foreseeable future; like the internet after the dotcom bust. If they end up destroying the economy, I may as well try to make enough money off of AI to keep me and mine in a house. If it gets bad enough to where the global market and economy completely collapses, we're all fucked anyways and it doesn't matter what you invested in when people are truly desperate.
Guys what happens if I made 1k off 0dtes today and sold my 5 shares of VOO for a $30 loss 😔. Like am I retarded 😔😔 or just special
would you all put any of your free cash into VOO, Google, BRK now? Or would you still hold it all for a further drop?
panic selling shares of VOO is definitely a choice you young warren buffet
Me and my 5 shares of VOO were down like $30 dollars then I panic sold..... this is why I only stick to 0dtes.... can't hold anything long term :(((...
You still think this market is based on fundamentals? Lmao. This whole thing is a federally blessed, retirement-fueled, passive-indexed, buyback juiced, liquidity addicted clown rocket designed to go up forever unless the entire financial system is actively on fire. Every two weeks, millions of paychecks get auto-dumped into 401ks by people who do not know what a P/E ratio is and do not care. They are not “evaluating value.” They are pressing the “retire before I die” button and the money gets vacuumed straight into SPY, VOO, and the same 10 obese mega caps every single time. Then passive funds make it even more regarded. The bigger the company gets, the more the indexes buy it. So if Apple, Microsoft, Nvidia, whatever, starts ripping, the system literally forces more money into them because they got bigger. That is not price discovery. That is an infinite feedback loop with a Bloomberg terminal. And just in case that was not enough, companies are out here buying their own damn stock with buybacks like they are their own biggest fan account. Revenue slowing? Buybacks. Growth flattening? Buybacks. Need EPS to look less ugly? Buybacks. Need number go up so executives can dump stock options on retail? Buybacks. And the funniest part is the Fed. If stonks go up, everyone claps and CNBC brings on some guy in a blue suit to say AI changed everything. If stonks go down too hard, suddenly it is “financial stability concerns,” “liquidity support,” “policy response,” “rate cut expectations,” and some other magical alphabet soup to keep the whole casino from imploding. So let me get this straight. Retail gets told “don’t time the market.” Corporations get to buy their own shares. Passive funds autobuy no matter what. Pensions autobuy no matter what. Retirement accounts autobuy no matter what. The government wants asset prices high. Wall Street wants asset prices high. Politicians want everyone’s 401k to look good. The Fed panics when the line goes down too fast. And people still ask why the market keeps ripping? Because the game is literally built for upside, you beautiful morons. Yes, it dumps sometimes. Yes, corrections happen. Yes, your 0DTE calls can still get turned into dust in 14 minutes. But the broad market? The actual index machine? That thing is engineered like a military-grade dip buying apparatus. The market is not a fair fight between bulls and bears. It is a giant money funnel with every pipe pointed at equities. Bears are not “early.” They are standing in front of a steamroller screaming about valuations while passive inflows, buybacks, and government incentives grind their bones into a fine red paste. You are not supposed to beat the system by shorting it. You are supposed to realize the system is a crackhead money printer with a permanent bullish bias and ride it until the music stops. And when the music does stop? They’ll probably print more speakers.
The last 3 months have been really bad, worst I have seen since 2020 at least. This is a tough market to make money in right now. Ir your worried pull it all and buy VOO or VT, then stop looking at your accounts.
$1000 of VOO per week for the next 20 weeks. Then if Trump TACOs you catch some of it early and if Trump decides to do a ground invasion while Israel/Iran bombs the shit out of energy infrastructure you can pick up some discounted stocks.
$1000 of VOO per week for the next 20 weeks. Then if Trump TACOs you catch some of it early and if Trump decides to do a ground invasion while Israel/Iran bombs the shit out of energy infrastructure you can pick up some discounted stonks.
Depends on when you VOO I Guess
The fact that I settled down like a retired hoe of trading stocks on VOO and still lost hella money is confirmation this is all rigged.
VOO has outperformed VXUS for the last 2 years. Whats your definition of “making out like a bandit”?
Yes, I am unfortunately acutely aware. Most of my holdings are in a S&P 500 etf (VOO). Which did really well in previous years, but has been underperforming since Trump took office again.
VOO up 15% over last year, QQQ up over 20% same time frame. What do you want? 30-50% gains on US market every year?
$575 VOO is looking likely at least. That’s where I plan to buy more, but that’s just my opinion and I’m not a financial advisor blah blah.