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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
Your dad’s gut (S&P 500 index fund) is the solid choice. I retired at age 49 holding 100% VOO and still do today… actually I do have some QQQM buys it’s mostly VOO.
Well you definitely don't want to be paying .75 to 1 percent in management fees from most Financial Advisors or so called Wealth management people .Between SPY,VOO and QQQ most advisors could never outperform those ETFs .
Futes barely fucking red LMAO KOSPI's drop = SPY's GAP UP (Kim Jong Un is selling KOSPI and buying VOO)
Why are you wet over a 3k match? That’s like 5 shares of VOO… maybe 6 by morning
The South Korean degenerates needed this circuit breaker. They're leveraged to the tits in speculative shit, acting like TSLL is their version of VOO. I live here and I’ve tried so hard to get people to sell, but they wouldn't listen. It'll be fun to talk to them today.
Bought more VOO today, like I normally do at the beginning of each month. For me, it’s ignore the noise and keep buying because today’s news won’t matter in 10+ years. Truly couldn’t care less about the headlines.
The expression is "VOO and chill" and I'm not seeing a whole lot of chillin in this post
I wouldn’t treat this as a winner-take-all call. VTI/VOO is broad core growth, SCHD is a style tilt. Core + a smaller SCHD sleeve is usually easier to stick with.
Keep your SPY shares to avoid taxes. Direct all future buys to VOO for lower fees and better efficiency.
Passive investment dominates markets nowadays, with most ETFs being market cap weighted. TSLA is in many such popular ETFs (e.g. VTI, VOO, QQQ), so money just flows into the stock regardless of what it does...
>That being said, I'd never do a single fund. I would, not only ones that I consider properly diversified. VTI/VOO fail that test for me. Things like a total world (if aiming for 100% stock), target date, or target allocation are fine as only funds.
I get why most VOO and chill, or just do FDs especially if you have a day time job.
>Why would anyone want to hold a small/ mid cap long term over just the SP500? They've tended to have better long term returns than large caps. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ >Have you not seen the historical returns of VOO vs VTI?? VOO has it beat by roughly 10% in 5 year and if you want to zoom out to 20 years, Are you using VOO itself? That's a fairly young fund that isn't even 17 years old. As we see things today (this is using older share classes of the same funds): yes S&P 500 is ahead after nearly 34 years here https://testfol.io/?s=8jhrzIzDdfY but rewind to 2021 and we see total market on top instead here after over 29 years. >The small & mid caps will have their moments but long term will drag down The links I posted on the first section of this reply suggest otherwise.
Depends your invest philosophy mainly, I only look for long term holds or 6 month-12 month positions for quick profits, to then roll into the long term positions and look for new ST holdings. With that strategy in mind and my young age I don’t want to lose out on potential gains by being conservative with VT. I would rather be more aggressive into VOO and QQQM for the long haul. But to each their own risk tolerance wise. VT wont lose money I just doubt it will ever match the pace of returns from VOO in a 10/20 year horizon.
Sometimes VOO gains faster than VT and sometimes it doesn’t. The S&P is just chopping sideways this year, but international is seeing improvement. I think it’s just simpler to cover all your bases. If you want to keep an eye on it and go VOO, then by all means. I actually keep a chunk of SPY so I can sell covered calls
Why would anyone want to hold a small/ mid cap long term over just the SP500? Have you not seen the historical returns of VOO vs VTI?? VOO has it beat by roughly 10% in 5 year and if you want to zoom out to 20 years, VOO wins there with roughly 7% higher rate of return than VTI. The small & mid caps will have their moments but long term will drag down returns. big dogs push the pack. Big dogs gotta eat market mentality.
VOO is not more aggressive. Smaller caps are not against than large and single country risk is uncompensated risk.
VOO is better and more aggressive. If under 40 years old and plan on holding 5+ years this should be the play for any ETFer
Honestly, I'd recommend starting free and just reading and learning. This is something Claude and Gemini could be useful for. If you don't know what a term means, google or ask AI. The money you would pay for a service is better off being invested in VOO or VT or VTI or something similar. Putting it there instead of YF's pocket will reap you far larger dividends down the road.
> SCHD has much lower PE ratio There are reasons for this. It's important to consider what sectors a fund leans into, and what kind of PE is typical of those sectors. It could be sitting at a lower PE than the broader market, but that doesn't necessarily mean that it's an attractive valuation. With that said, there are those, like Vanguard, who see value and smaller-cap style boxes, as well as ex-US equities, as being more attractive on a valuations basis than US growth mega-caps. Rather than VOO, VTI, or SCHD, if it's me I'd be looking at VT for your time horizon.
I think OP meant VTI/VXUS, or VOO/VXUS. VOO is S&P 500 and VTI is Total US Market. It’s only necessary to choose one of them.
Are you 55+? If not, VOO/VTI 100%.
Personally if I wanted to diversify or worried about the large tech weighting of VOO/VTI I would add in international what has a more favorable PE or look at some value fund vs a dividend fund Also add in bonds
SCHD is experiencing recent success because of the surge in oil companies and the flight to safety of defensive stocks like Coke and Pepsi as well as the surge of LMT. It is not a replacement for VTI/VOO. I think it's a good ETF, but it was basically flat before dividends for almost a 5 year period until December.
The answer is VOO/VTI by a long shot. I’ll let every answer after this explain why.
Brings up a good point tho. Ever since Gold and BTC started acting in lockstep with SPY/VOO, where oh where can I find a truly anti-fragile instrument (one that not only holds but goes UP in times of chaos at nearly exact negative correlation with SPY/VOO). And preferably one that doesn't cost me theta so I can hold it long term as hedge.
Dude what you lost is what your allowed to put in an IRA in a single year. I understand where you are at I've been there. Yeah you fucked yourself im sure it's not the first time. But the key thing you have going for you is your young enough that it literally doesn't matter. You suck at this who cares, so do 99% of the people who try. So your just normal. I know it seems like a lot of money right now and you probably worked super hard to save it. But it's just money. What life really did was give you the ultimate lesson At a young age while you have time to fix it. Lesson 1. Your a shitty gambler so don't do it anymore. This is all gambling sports whatever, Invest instead first in yourself and then in assets. Close your trading account, Un subscribe to WSB or similar. Instead just buy and hold until you retire in a less easy to use account. But before you do that. Lesson 2. Only Invest from a position of strength. Make sure you've put away a emergency fund 1-3 months pay/expenses in an account that earns interest or is in spaxx or similar. Have minimal debt, not including mortgage or college debt. Now with that fortress of solitude you start buying and holding forever indexes with excess funds you can put away for retirement in a Roth IRA. You never touch this account except to buy. You don't look at it during down turns or up turns just keep funding and keep buying. Once your up to maxing 7k+ a year away in the IRA look into additional vehicles. Lesson 3. Persistence: You attempted to pick up an advanced skill to better your life. Great job, that means you give a shit! You failed at this one which sucks but we learn far more from failure than success. So don't waste that lesson move to the next skill and find the skill set/sets that you are passionate about. When you do that you'll be great at it and someone will find value in it if you share that passion with others. Before you invest in others invest in yourself first. After you have done all that worry about being a stock picker or investor with excess money "if you want to" there's plenty of people who make a large sum of money doing more tangible persuits. Or just invest excess money in more funds like VOO buying and holding to increase you exposure to compounding interest. If you do this and say fuck it you will be a millionaire by retirement regardless of this mistake. Or the world will end and it won't matter anyway.
Compared to what he did today, his all in MU play is like VOO to the average person
I was full port VOO. Now I’m full port MNST
A small difference in fee cost exists. When faced with the same discovery, I kept my SPY and started buying VOO instead going forward
If you’re in it for the long term buy and hold it’s inconsequential. You’re likely going to pay more in capital gains than you’d earn back on the expense ratio difference. If it really bothers you just start buying VOO from here on it, but it’s really not a big deal.
This relevant difference between SPY and VOO is in the room with us now?
I just put 70% of my life savings into VOO last week 😭
I mean. It’s up to you. Just do it or don’t. I prefer VOO for the reasons you stated. I would just pull the trigger personally and move on. If you don’t care and like SPY the difference isn’t that outrageous so just keep doing SPY.
Correct I’m talking capital gains. Should I just keep buying SPY then for the next 25 year? Or should I start buying VOO from here on out? Or is the difference long term only a few thousand dollars and really not that big of a deal?
Just ported some margin on VOO
Absolutely. All the high and mighty KO and VOO gang come out. I have everything space, drones/defense, energy/nuclear, SaaS, biotech, basically every growth stock category that exists and every one of them is getting smoked. Time in vs timing though I guess….
sitting on NFLX stock bought at 85 and bought some VOO under 619 this morning, but otherwise yeah
Does $VOO out perform my 5.2% mortage?
VOO and chill more like VOO and drill amiright?
Based on your allocations, the overlap is minimal with the one causing most of the overlap is VGT with VOO. Maybe something more simple like this would make sense: VOO: 50% VXUS: 25% AVUV: 15% GLTR: 10% **Weighted Average Overlap** **4.2%** # Overlap Heatmap ||VOO|VXUS|VGT|AVUV|GLTR|IBIT| |:-|:-|:-|:-|:-|:-|:-| |VOO||0.3%|34.5%|0.0%|0.0%|0.0%| |VXUS|0.3%||0.1%|0.1%|0.0%|0.0%| |VGT|34.5%|0.1%||1.2%|0.0%|0.0%| |AVUV|0.0%|0.1%|1.2%||0.0%|0.0%| |GLTR|0.0%|0.0%|0.0%|0.0%||0.0%| |IBIT|0.0%|0.0%|0.0%|0.0%|0.0%||
The higher they are, the more they matter. John Bogle has a chapter about such fees in "Common Sense on Mutual Funds (2010). Decades ago fees and commissions were generally much higher than they are today -- 1% or more was quite common, and a 1% drag over an investing lifetime can be enormous. A 0.05% drag is much less costly. For simple index funds, you can compare the fund's performance to the index it is trying to track; for instance, VOO with the return of the S&P 500 Index. For active funds, you can often find their return before fees in their fund prospectus.
Honestly, worst case scenario was discovering options so young. My advice is 100% remove options trading ability on all your accounts, and average yourself into VOO over time and that’s it. You’ve discovered that you’re someone prone to the allure of gambling. There’s nothing inherently wrong with that, many people are and would be if they found options and this sub where seemingly everyone makes huge money (small hint - the winning posts in here are 1 in 500, probably worse, but you only see the winners not the 499 losers), but it’s important to recognize that you can’t control yourself, so you need to put measures in place to guard against falling victim to the rags to riches hopefulness. Accept that it will not happen to you, the overwhelming majority of TRADERS, just random stocks, nevermind options users, lose. People who slowly put money into index funds and mutual funds and believe that over time the market will rise will be the real winners. There’s no glory in it, but having accounts with money in them in 30 years is better than the 3 big wins you’ll have, and the 300 losses that will take them all down to 0 Others have already mentioned you lost 20k young instead of the larger amount you would have lost if you were older. It’s tough to take it in stride, youre allowed to mourn 20k - that’s some real money, but don’t squander the lesson. Best of luck. Leave the sub to be honest, it won’t be healthy for you, and it will give you false hope that that was just a fluke and that you too can have the edge over the market. You never will because that’s how it’s designed. Unless you become a quant, *stay away from options*. Again restating this. Lock up options on your accounts and throw away the keys. If that means having a parent or guardian oversee your financials, so be it
I’m going to YOLO VOO
DCA into VOO each month, close the apps. Then I browse reddit when I'm bored for the shitposts.
The problem is actually that you are 20 years old, you think nothing can touch you, nothing can hurt you and you won’t lose. That’s just part of being 20 years old. You have the right idea. Go get a job make some more money and invest it in dividend etfs to start like SCHD or VOO, there are tons of good ones. Build up your portfolio again and start over. You have so much time, coming from someone who is 50 and didn’t do the right thing with money until a few years ago and is now trying to play catch up. If I could be 20 again, I would have played life so differently🤷♀️
Came to say the same thing. Keep earning money working, stack it in safer stuff like VOO, SPY, SPYI, QQQ, QQQI. If you want a little higher risk/reward go for some BTCI but stop straight gambling.
I'm a VOO man 🥱😴 - wake me up in like 20 years
definitely too much overlapp with VOO and VGT
VOO is very popular due to its low expenses. Some fidelity funds can be higher. In the long game, it will add up. There will not be a big difference in their performance.
Dude chill you’re 20 years old with your whole life ahead of you. Stop gambling and just VOO and chill
Ignore this guy completely, get Fidelity because with their fractional purchases stock price doesn’t matter. ETFs leaning tech are gimmicky/dumb but voo and schd are solid. Just know schd is for people who need cash flow (retirees) and slightly underperforms the regular market even with reinvesting dividends. You’re young enough to stay away from it also VTI > VOO if it’s the meat of the us part of your portfolio but that’s just me
I’m basically one of those bogleheads but with Fidelity instead of Vanguard. My money was in FXAIX which is Fidelity’s VOO. Made me $19k so far so it can’t be all bad!
Ok fair enough. I'm just sick of fucking bogleheads around here pumping VOO lol.
I would just suck it up and pay the taxes. Instead of rebuying stocks, just buy VOO or some other ETF/Fund that mimics the broad market.
View it as a good thing , You can rethink how your capital was deployed. I bought 3 year ITM leaps on VOO today, I have expose to 200 shares of VOO for the price of 60 shares .
Max out your ROTH and put the remainder in VOO, forget it, then post on reddit in 10 years that you have 120k to invest, rinse and repeat.
Shit he saved 0.03% on home made VOO.
VOO and VTI are both excellent foundations for long term growth, but keep an eye on how much tech overlap you get if you also add QQQM. I love using an AI powered natural language query system called trylattice to quickly research which ETFs align best with a weekly contribution strategy. It is super helpful for digging into stock filings to see what is actually inside these funds so you do not accidentally overcomplicate your first year.
VOO 50% An international fund ETF 25% Mid cap ETF 25% Aggressive, but you're young.
Selling all VOO and throwing it at GLD
>losing it all slowly trying to buy every dip 2021-2022 as $SOFI plummeted to $4 I mean, SOFI is \~ $18 now, so your trading portfolio is worth about half of what it would have been had you just held and never traded? Sounds about right. You sure you want to keep trading instead of just sticking with your career? Seem more like a 'VOO and chill' kinda guy, based on your results.
Your 52.5% VOO base is a solid foundation for that 10 to 15 year house fund goal. Since you have a mix of tech and crypto with VGT and IBIT, you might want to keep an eye on how those sectors react to new stock filings. I have been using an AI research platform called trylattice to cross-reference my own portfolio for personalized [insights ](https://www.trylattice.io/app/prism/chat/cmm9z984l00le083ugzv3sufx)on things like GLTR and AVUV. It is pretty awesome for generating interactive charts to see if your current allocations actually meet your growth needs.
VOO and VGT have pretty much the same top holdings. The biggest criticism of VOO is it's over concentrated into info tech already. I would divest your VGT holdings and split the proceeds between your other holdings. I like having small cap exposure but AVUV is pretty expensive. I would look at IJR as an alternative, 0.25% VS 0.06% expense ratio. I'm not a huge bitcoin believer but the weight is low so who knows. Over all 7.8/10
8k at 1200 ETH, you got some stones on you… was that your only 8k in the world? Like all your savings? That’s so nuts. Lol. BTC and ETH work similar to sp500, but because crypto is so volatile, the punishment for panic selling is more severe. But all personal finance is the same: spend less than you earn, have an emergency fund, have a plan to invest auto (don’t rely on self discipline), sell only when you have an urgent expense to pay for. Money is a function of when you will spend. If you don’t know, or know it is short term: SGOV. If the plan is to not touch it for years: VOO. Buy auto and weekly. Sell only to pay for urgent expenses. If you sell for other reasons, you’re likely making a mistake. You will learn a ton along the way! Best of luck!
I mean I would just for simplicity. But you have to do what you feel is best. In a tax advantage I would go with an index target date fund. and non-tax advantage I would go with VOO.
Open a Fidelity account. Put it in SGOV (very safe) while you learn about personal finance. When you have income, you should auto buy VOO (sp500) on an auto weekly basis. You can do this in Roth or taxable. I think everyone should have something in taxable (flexibility). Sell only when you have something urgent to pay for. You will learn a ton more as you go. But that fundamental is the basis. Have emergency fund. Invest auto. Don’t panic sell. What price did you buy that ETH? What price did you cash out? Do you wish you would have let it ride?
Safest place is an HYSA (High Yield Saving Account) that collects anywhere from 3.65% to 4.15% (you may even find higher than that). **Now for the conventional advice you'll hear from everyone:** 1) **Max out your IRA** Contributions for the year. You have until April to max out your contribution for 2025. So with 30k you could max out 2025 and 2026 (7000 and 7500 respectively). 2) If your company offers a **401k** use it. 3) If you are young and healthy consider an **HSA health plan**. The **HSA is a triple** advantaged account in that money that goes into the account is \- Tax deductible \- Withdrawals for medical expenses are not taxed \- And the best part is that you don't pay capital gains tax on earnings from your investments in the HSA. Even if all you did was max out a ROTH IRA for the next 30 years at an average return of 8% you would have close to a million dollars of non taxable income. Just investing $7500 a year into a basic S&P 500 ETF like VOO will get you to 7 figures.
My theory is that this is a selling opportunity in oil (maybe not today , but soon) If it was me , I wouldn’t hold those calls for longer than 1-3 weeks . I started selling covered calls on GD today and bought VOO leaps . I just read an article in the financial times about hedge funds that overweight EM equities are starting to get anxious. (Although I think selling in TSM is etf driven )
Here’s a short, clean, high‑value reply you can drop directly under that Reddit post. It’s calm, practical, and positions you as someone who understands money without sounding preachy or promotional: You’re in a great spot, and the goal now is to protect what you’ve built while giving it room to grow. A simple structure works best: * Keep your emergency fund separate (your $40k plan is solid). * Don’t invest the full $60k at once if that feels risky — spread it over 6–12 months so you’re not trying to “time” anything. * Broad ETFs like VOO/VTI are long‑term vehicles, not short‑term bets. They go through crashes, but historically they recover and compound. * Your game income is the real engine here — consistently investing a portion of that will matter more than the lump sum. * For learning, *The Psychology of Money* and *Simple Path to Wealth* are great starting points. You don’t need to rush or chase anything. You already have the two things that matter most: cash flow and time.
If you invest $1,000 every month for 10 years, the outcome depends entirely on the *behavior* of the assets you choose, not just the contribution amount. Most people only look at average returns, but long‑term results are shaped by three forces: * **Drift** (the natural directional tendency of the asset) * **Volatility regime** (how violently it moves) * **Trend structure** (whether the asset spends more time trending or chopping) For example, broad ETFs like **VTI** or **VOO** tend to have stable long‑term drift with moderate volatility, which compounds well over a decade. Sector ETFs like **XLK** or **XLE** behave differently — tech compounds aggressively but with higher drawdowns, while energy moves in cycles tied to macro conditions. Managed‑futures ETFs like **DBMF** or **KMLM** often provide uncorrelated returns, which can smooth the ride and improve long‑term outcomes when combined with equities. If you assume a typical long‑term market drift of 6–8% annually, $1,000/month over 10 years lands somewhere around **$165k–$180k**. But if you allocate toward assets with stronger structural drift or lower volatility drag, the range can shift meaningfully higher. The key is understanding *how* different ETFs behave across short‑, medium‑, and long‑term horizons instead of treating them all the same. Curious what ETFs you’re considering for the 10‑year window?
What’s your point? Historical performance is not an indicator of future performance, and recent events (including VXUS outperforming VOO) do not point to continued US over performance.
If you had $50k to throw at something for long term investing right now? VOO I guess is the safe bet?
VOO is a good growth fund to start out with. And it is tax efficient. With 8K a month coming in this money willl mostly end up in a taxable brokerage. But with grim the popularity often falls quickly. It might be better to consider a dividend fund instead of a growth fund. A dividend fund invests you money and then send out Quarterly or monthly cash profit sharing payments directly into your your brokerage account. QQQI is one with a 13% yield 50,000 will generates about $500 of income you can use for anything:to * you can use the money to keep you savings account full * Use the moeny to pay regular monthly bills * make a yearly deposit into a Roth retirment account. * you can use the money to invest in grwoth or invest for more dividends. Essentially you are replacing the passive invoke from the game for passive income from investmentsin your brokerage acount. I am near retirment and am investing for passive income. I keep 6 month of expenses in a money market account (it's basically the same as HYSA account). And currently have 6 about 6K a month of passive income. Most of which I spend to cover living epees and and the rest is reinvested. A good book to read about dividend investing is The income factory. ArmChair income on youtube invests the same way but he does detailed reviews of funds many of which iare in his personal account.
You got to invest in what you believe in to have conviction to hold during downturns. I am not a tech guy, & believe in cycles, but your port indicates you are tech guy. So maybe if I was thinking like you were I would hold onto $QQQ position and sell my $VOO shares and buy $VT or another all world plus US ETF instead of holding the $VOO. I do think you are giving up on $VXUS too early as I think we are entering foreign stock cycle of outperformance vs US stocks. Good luck regardless.
Create a free account with a brokerage. In that account, create a Roth IRA. Transfer the max it says you’re allowed to (e.g., $7k). Invest that $7k in an ETF like VOO or VXUS. I assume you aren’t incorporated. Find a good small business accountant who can help you set up an LLC corporation, and start pumping that revenue through the corporation. You and your friend should pay yourselves through the corp using a payroll company. There are many tax advantages here which are best explained by the accountant. Once you have a corporation, talk to a brokerage about setting up a 401k plan. This will allow you and your partner to make pre-tax contributions to a 401k account. As to the money you’ve already made, you’re gonna get hammered by the IRS because it will be counted as straight income. But you can use an LLC to shelter future earnings.
The overall market has been mostly flat year to date, so you have not done anything "wrong". In fact, you are doing something very "right" by paper trading a complex portfolio. Now just compare your results to holding VOO for the same period of time. Also don't be afraid to make competing paper portfolios. Try different philosophies and see how they do.
The move down in Asian and EU markets, along with the move up in DXY is just crushing int'l today. Good time to cash in some VOO for VYMI. The Asian and EU markets will rebound on the coattails of the US markets tomorrow. And the currency move will revert as well.
I genuinely do appreciate the response. I know I'm double dipping (I think it's a 50% overlap b/t VOO and QQQ) but don't really care at this point. I'm not trying to optimize ETFs to the fullest. I simply think of the zoomed out chart. VOO and QQQ will return hopefully continue to return somewhere in the range of 8-15% until I start re-balancing for retirement and the small cap ETFs give me exposure to what VOO and QQQ don't. I considered VXUS (looked now and ACWX is basically the same return as VXUS) but it's outperformance has only been for the past year or so. Maybe it'll prove foolish in the long run but I'm good with the exposures I have.
For long-term investors, Fundrise can be worth exploring as a way to diversify into real estate alongside a core stock allocation like VOO, VXUS, and small caps, but it’s important to understand the risks and illiquidity involved.
No, it isn't. A rug pull is where someone raises money from investors, then steals the funds raised and abandons the project leaving those investors with literally worthless assets. Are you saying someone is going to steal all the money in the S&P 500 and leave everyone with worthless SPY and VOO shares?
Some dude on bloomberg just said "VOO and chill" yeah ok next you're gonna tell me to work 40 hours a week too
You have a lot of tech stocks where you are double dipping b/w individual stock holdings, and their inclusion also in your $QQQ and $SPY/$VOO holdings. I do like that you are adding to $AVDU and $AVUV. You have chosen those 2 where I am investing in $EWY and $EWJ. I would increase your $AVDU & $AVUV percentage or just buy a non USA world EFT like $ACWI and sell the individual stocks or your $QQQ holdings. Your individual tech stocks and $QQQ holdings likely will go up or down at the same time. I am also moving towards ETFs over individual stocks due to time & life. But the industries & indices matter more than just stocks vs ETFs. I would add non USA indices ETFs. Or at least all world ETF like $VT over holding both the $QQQ and $SPY/$VOO). Pick either the $QQQ or $SPY/$VOO, one or the other and buy $ACWI or $VT for the other indices holding. My worthless unasked for 2 cents.
Can’t tell you what to do. But assuming under 30 and if it were me: Invest $150,000 into a low cost index fund (for example VOO) through a respectable broker (Fidelity, Schwab or similar) and name a beneficiary in the event that something happens to you. Keep the beneficiary information updated and keep up with any tax information but otherwise forget it exists until you’re 65. Barring exceptional unforeseen or tragic future events, you now own your future. Next, take the remaining $30,000 place it into an HYSA and use it as sleep well at night emergency fund only. Make all other financial decisions as if this money does not exist.
New to investing ...got about $10k loose change to dump. Reddit said to put it all in VOO ETF... What say u?
This is less diverse than just buying something like VOO, VTI or VT
First off congrats, this is a great problem to have at 25. You are thinking way more responsibly than most people already. Keeping emergency cash, using ETFs, and thinking long term is exactly the right mindset. You do not lose everything unless you panic sell. Markets dip, long term they rise. VOO and chill, keep building games, keep expenses low, and let time do the heavy lifting. Boring investing is usually the smartest. Also read The Simple Path to Wealth and Psychology of Money. Simple, clear, and calming. You are on a very solid path, just do not overthink it.
In every cycle there is a strategy that, with hindsight, was the best one to use. Until recently VOO and Chill was the winner in this cycle. And now the practitioners are insufferable. It is better to be lucky than good; provided that we recognize that the luck does mean that we are good.
That’s already a very solid approach. Keeping it simple and low-cost is key. Personally, I’d probably go something like 80% VOO and 20% Nasdaq (QQQM) if you’re comfortable with a bit more tech exposure. In the long run, consistency and staying invested will matter much more than small percentage tweaks
If your horizon is not at least 15-30 years (you said 2years) don’t put money in VOO VOO return in 2024 24,94%, in 2025 17,82, in 2026 so far 0,62%. There is clear slowed growth last 2-2.5 years. And it could be very easily followed by decline. SGOV yes or HYSA, but for such short term(2-5 years) I wouldn’t risk my money in any US index.