Reddit Posts
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
When I put $5 on a stock I win , put $50 in I lose almost every time.
Revenge traded a NFLX loss into a $700,000 MSFT profit 💰
I wish I never invested into LUNR and NASA. been waiting for a few weeks to sell, but ofcouse dip keeps dipping....
Best Way to Diversify Brokerage vs Roth IRA?
Selling $DRAM (up 13% today), evaluating alternatives.
Chasing the memory stock rally ruined my portfolio. Now I don’t know if my new portfolio will save me or make things worse
22, Nervous about Risks / ETF vs Individual Stocks
I backtested 44 Robinhood IPO Access deals. Why buying and holding is a trap and the hypothetical strategy that beat VOO
Top ways to invest in innovative companies through ETFs? High risk appetite
going all in on “small satellites”
Uncertainty with my portfolio, should I reallocate, trim, hold?
38M Canadian with Defined Benefit Pension: Looking for Honest Criticism of My LongTerm Investment Plan
Trying to ACTUALLY understand what is happening with memory stocks; not asking for predictions
Are there stocks with 6%+ dividends that still keep pace on IRR overall with equity ETFs (12%+)?
Thoughts on auto-callable basket type instruments with downside protection?
19-year-old college student looking to invest for the long term. What would you buy in 2026?
21, recently married. Any advice for a new-ish investor like myself?
Build an ETF portfolio that could survive a crash
What do you tell people that are too scared to move out of cash?
A warning on how a stock hobby can progress
I am in digital marketing, and I just went full port into Google.
Retiring at 32! 23 year old saves 50% of income in nyc.
I invested in the market today
Liquidated all positions: Sitting on $1.2M cash for a 2026 macro restart. How would you deploy this for the next decade?
I have currently sold all my stocks and have $1.2 million in cash on hand. I would like to purchase a new batch of stocks to hold for the lo
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
ELI5: Why would an ETF like VOO or SPY outperform the S&P500, if even for a single day?
Never seen VOO down so much more than the sp500, didn’t even know this was possible
Would it be crazy to sell my NVIDIA shares (60) to buy into the DRAM ETF?
Is there any reason to invest in VOO rather than VOOG?
Need some advice on how to diversify and invest with a tight budget
Too much of my portfolio is from RSUs - how would you diversify?
I can't beat the market. I won't ever beat the market. After years I realize that now. It's VOO for me.
In 2023 Robinhood killed the chart that compared your portfolio to any stock you want, and called it "temporary." It's 2026.
If you were to invest $5000 today what would you suggest?
Mentions
What I sense from you post is impatience and envy, both of which will crush you in investing. As the greatest investor of all time has stated, *"The stock market is a device for transferring money from the impatient to the patient."* Pay off your debt first as whatever interest you're paying on that will eat into your profit. Then build up 6 months of living expenses and put it in a HISA or purchase SGOV ETF (US short term treasuries). Don't touch that money unless it's an emergency. Then begin investing the $200 a month 90% ($180) in VOO and 10% ($20) in SGOV. In the event there is a correction of 10% or more, sell your SGOV and buy more VOO. If you want to diversify beyond just US holdings, buy 60% VOO and 40% VXUS or 100% VT. That's it. The hard part is being consistent, not tinkering, becoming impatient, or envious. It's simple but it's not easy.
quien te dijo jajaja? investigaste algo? sinceramente solo compra VOO y holdeala
If you have $200 left every month and already have a savings account with about 6 months of living expenses then just put the $200 in VOO monthly
VOO or FXAIX, get a job, automate so part of your paychecks go into your brokerage, automate buying of VOO or FXAIX
You are suppose to buy SPYM or VOO and look for another job.
Moderate to high risk tolerance, just put it all in VOO. You're not retiring in 10 years on a starting point of $16,000 unless you have a shitload of other money or something else you haven't mentioned. So there isn't any basis to tell you to do anything other than put it all in VOO which complies with moderate to high risk.
Really good plan! 1. Buy Bitcoin at the top 2. Sell Bitcoin slowly at the bottom to buy VOO at the top
Remember, when SPY freezes a dump is imminent. Just look at VOO.
Why didnt you just buy relatively safe ETFs like VOO or SCHD Chalk it up as a learning experience, maybe you would have lost even more in the future if you never learned your gambling lesson
Moving from 100% BTC to 100% S&P 500 isn't a strategy—it’s classical performance chasing driven by recency bias. Going "all-in" on any single asset class, whether crypto at a cycle plateau or equities near historical valuation highs, ignores fundamental portfolio construction principles. If you look at risk-adjusted return metrics (like the Sharpe or Sortino ratio) over full market cycles, a small, capped allocation to uncorrelated assets (e.g., 2%–5%) backtests remarkably well alongside a core broad-market index. The magic isn't in holding 100% of the winner of the last 6 months; it's in systemic rebalancing when asset correlations diverge. I actually built a portfolio backtester and Monte Carlo simulator for a quant terminal project I'm developing (QuantForgeTerminal), and running a 100% rotation at current equity valuations shows significant draw-down risk if we see a multiple contraction in tech/AI. Instead of panic-selling or total liquidation, why not establish a target asset allocation (e.g., 90% VOO / 10% alternative assets) and rebalance on a fixed schedule? Let math dictate your trades, not emotion.
Crypto is over. Better off indexing in VOO and QQQ for next 10,20,30 years or whatever your timeline. Unless you need capital losses or want to lose to stocks then go with crypto
IMO, you should be no more than 10% bonds. Just keep jammin' your biweekly into VOO, VTI, or similar. Use SGOV or HYM for bonds -- one is treasuries the other corp bonds paying strong dividends
Invest regularly in SPY or VOO for 30 years
Yup. I'm down 8% vs the market on my personal port, but my retirement is sitting in VOO, VT, and Emerging Markets.
My portfolio, not including 529 money or home equity is fairly large, to the point where it is over 60X my annual expenses and over 22X my annual income which is pretty high to begin with. So it's not difficult task to build out a 10 year TIPS ladder which would be about 16% of my current portfolio. However, I need to average 3.4% assuming no more contributions until the first date I would even consider retiring to get the so called number I was looking for, which would bring that TIPS ladder to about 12% of my portfolio. I know I didn't answer your question yet, but I figured I would provide some background. I've been investing since my mother introduced me to IRAs (before there were Roth IRAs) when I 16, had working papers and she matched what I put into a CD up to the then limit of 2K (I put in 1K and she put in 1K). I've been a disciplined investor for decades... never panicked or changing my investing strategy. Up until about 2-3 years ago, I as 98.5%+ in equities with the rest in short term cash. I've been slowly transitioning to some fixed income to where I'm at 10% of which 25% of that is my TIPS ladder. My goal is to ultimately get to 20% fixed income. My equity portion is probably around 90% VOO, with a little bit of QQQ, ACN stock since I used to work there, and few other play ETFs like VXUS. I invested in VOO for over 30 years before VOO even existed as and ETF and there was a just a mutual fund. I've been auto investing twice a week the entire time never stopping. When I got pay raises, or other things, I increased the amounts (this was in addition to retirement accounts and 529 accounts). I guess you can say, I was FIRE before the caveman and VOO and chill before VOO was born.
The way VOO's chart moves by the second is insane lmao
You don't understand the reason for buying VOO, It's not meant to be "life changing" It's meant to not keep your chips on the table while not losing value to inflation. Also not everyone trades options or has time to research and DD individual stocks. He got lucky Some of the "puts" are now going in the opposite direction. He shorted CRWV right around earnings. That's not a complicated short.
Life is about diversifying and taking risks. You can either gamble it away at the casino or park it somewhere where it will grow slowly. Basic bs is up to employer match on 401k, roth ira limit, hsa if you have, then individual brokerage. It's not so straight forward, but VOO was just one example, theres plenty of ETFs you can dump it in too. But again, this is reddit and it is not my money so its all unsolicited advice lol
Probably worse than 100% VOO
I'm 50% VOO 50% HTZ 50% cash so I might have you beat on retardation.
Portfolio is now 90% VOO fellas (I'm regarded), what do I gamble the last 10% on?
Keep your time horizon in mind. Im not worried if VOO drops 20% for some reason because I dont need the money for a long time and have around 10 years of cash in an hysa and enough dividend stocks to cover monthly bills. I keep 80% of my money invested and the other 20% can cover me long enough that I dont have to sell low basically. If you have an income still then you are good, right? Just keep buying and you'll get discounts when the stock drops.
My financial advisor friend gave me this advice for free fifteen years ago: "Buy as much VOO as you can and never look at the price."
My biggest single day drop was $101k. During the past few months, some days I saw my account went up& down $40k-$60k per day. It does impact my mental health so I started trimming risky stocks and gradually buy VOO. Seeing it shoots up tens of thousands of dollars a day is extremely exciting. But bad days it can plunge the same amount if not more. If you can't cope with your portfolio's volatility, you have too many risky stocks.
Go VOO/AVUV 80/20 Or VOO/AVUV/VXUS 70/20/10
Do you want stability and modest returns? VOO and chill. Do you want a 99% chance of losing it all and having your wife fuck the mailman? YOLO it all into Wendy’s puts. 1% chance at wealth
Until you get cancer in 10yrs and the cure VOO account gets fucked by americas healthcare system.
Lol what… alot of u retards think putting $1000 into VOO is life changing
100% VTI/VOO Munger said: “Diversification is for the know-nothing investor.” We are all are all the investor he was talking about about. Most of us are chasing gains. A few of us will barely beat the S&P 500 with way more stress and way more work, but the vast majority of us will underperform the market over the long-term. Maybe if you get a degree in finance and accounting you can try, but even then you’ll probably fail. You’re young enough that time in the market is all that matters. Let the magic of compounding numbers work for you.
Cool now put that shit in VOO and forget lol. Pull out of the casino!
So according to my mouth, it’ll make up about 0.06% of SPY/VOO. Or $60 (about half a share) of a 100k SP500 portfolio.
I think you are right. Just take that money and buy calls, make easy 50% and then feel better buying VOO
I have big cash I want to get in VOO but psychologically buying at ATH is something I can’t get over.
All this effort and you could make more $ by just buying VOO
Hey. A lot of folks are thinking of get-rich-quick stuff. Start small. Get a brokerage acct that allows fractional shares of an etf. Buy VOO. At the current growth, you'll have $17.25 in a year. In my opinion, this is the safest and most predictable growth you can expect when starting out. You SHOULD get in and test the waters. Have fun. Now, you are NOT going to get rich this way. But this will start a habit. Put whatever you can into it. Learn about the market while playing slow and safe. When you are able to invest more, you will already have a tiny financial base to work with and a small knowledge base. If you invest $100/wk into a perfect situation where VOO continues to rise at 15% annually (it won't), you'll have $3 million in 30 years. This is simplified, but you'll figure it out. Start now. Don't gamble. Learn.
Now that piece of shit RDDT is in the SP500 VOO & chill is no longer a viable strategy. Time to look for something else
Stick it into VOO and don’t fucking touch it OP
So turns out I’m better at betting on baseball than I am at playing options. Turns out I’m more disciplined at literal betting. Funding my VOO and chill strategy nicely.
You’re not even gonna get a 2x if you bought “any real company”. In fact the overall average gain of a random selection of “real companies” is just gonna be an index fund. That’s how the math has always worked and that’s why “VOO and chill” is such a broken record
What’s a good penny stock to buy besides SPY and VOO?
Use something like this, add your contributions etc and time frame and it should give you a rough idea. I’ve been working off 10% interest for VOO though it has been higher the last 10 years. https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator
That is call risk. Even rich will think when 2 million to just put it in VOO in one go. BTW most rich money tied in businesses and property.
someone with 5 million in VOO is rich IMO, not sure about yours Mr Money Bags
2 Million in VOO from before COVID has become 5 Million now. Or 20 million has become 50 million. The rich have made more money than you ever will just sitting on their ass in index funds.
Buy SPYM / IVV / VOO / SWPPX / FXAIX / SPY on bad pullback days and keep it easy. Now pay me $ for this advice. Is what I feel all of the investment groups are. They are and added expense ratio with zero guarantee. Have them print out CPA verified gains and then consider joining
I am unsure if I should sell my shorts, put it all in VOO, and just wait for another braindead pump to re-enter shorts. Selling my shorts now feels dumb though considering how much value theyve lost in the past couple weeks... selling low literally.
Regular contributions to VOO or SPY in a roth or traditional IRA to start out is a very good place to start. You can read the subreddit and come away with a lot of really intresting ideas about what to do next!
*"I have no idea where to start. I have a couple $100 divided into SPY and VOO on Robinhood but I want to start putting only $100-200 on my HYSA and the rest into index funds or something that will grow at higher than 3%"* I will respectfully disagree with you. It looks like you know exactly where to start and you did ! IMO regular contributions into SPY or VOO builds you a great foundation for your future self.
My guess is the bulk of advice given is to keep what you might need in the next couple years in the hysa, the rest in VOO or other ETFs.
AVLV and AVUQ. It screens stocks better than VOO
yes you just need to wait for the window to close to re-buy the same security. another catch is they can't be "substantially identical" e.g. sell SPY at a loss and buy VOO the next day
There are several fund you could go with. I'm in VTI from Vanguard (it's a bit more tech heavy, which seems to be where everyone b/c it's hot), tho some like VOO, and there are others. All will give you some diversification.
Does it make sense to take a $200K margin loan at 4.88% interest against a $1 million VOO portfolio, for the purpose of buying and holding more VOO, reinvest the dividends and let the margin interest accrue? I’d want to avoid a margin call even with a 66% loss and a 45% MMR
At your age, just setup a per paycheck buy of a few ETFs, VOO is \~15% of my taxable portfolio, Probably close to 60% of my overall investments if you include the 401k and IRAs. But follow the rules, 401k up to company match, then IRA. If you have money after that it depends on your goals for where to invest it. My goal is building a taxable account to cover early retirement, so I've got a bunch of different things in my taxable account and right now I'm buying more foreign ETFs to try to lower my US exposure due to the trump admin purposely weakening the dollar. Then I've got a bunch of individual stocks and a few options. I followed AMD pretty closely, bought 3k AMD shares for less than $3 in 2008 and successfully wheeled it for years until it got called away. I bought a bunch more in march-april of 25 because I knew it would be going back above $100 a share. TL;DR: Setup your retirement first, then buy broad ETFs for holding over a long period of time, don't try to time the market, but if you follow a few stocks very very closely you may be able to time a dip correctly if you're lucky and willing to gamble a bit for some fun money.
Those aren't Internet shortcuts, they're ticker symbols. The standard advice on this sub (and in passive investing more broadly) is "VT and chill," meaning "Put money in VT (Vanguard Total World stock ETF) every month and never touch it." Don't "trade," especially don't day-trade, don't try to time the market, because even people with all the public information in the world and full-time jobs doing market research fail 80% of the time to beat the market, so what makes you think you're smarter and more competent than the professionals? You can substitute VOO for VT if you want to be US-only. (Whether that advice is still valid now with Trump actively engaging in market-moving corruption and selling early access to his posts is another matter beyond the scope of this reply.) SCHD and VYM are both dividend-based funds. They contain less (but not none) of the high-flying growth stocks, and more of stocks that have a fairly stable cash flow. So, MAYBE they will drop less than VT, VOO or (Chaos forbid) QQQ if/when the AI bubble pops. They MIGHT do better than VT or VOO over the next year or two, if there really is an AI correction (which may or may not happen). But they'll probably grow less over the long term, and they're more subject to "tax drag" due to constant dividend income. So, I'm just making a joke about alternate advice that MIGHT suit you if you are sure there is a big AI crash coming. Don't come crying to me if/when my advice turns out to be wrong, because it was worth exactly what you paid me for it! No one seems to have found my joke funny. (I will admit that I sold some target date funds and bought VOO, SCHD and VYM recently, but only because I was mad at NASDAQ for being such whores to Elon and wanted to minimize my participation in the SpaceX index purchase scam. Also, I'm old (near retirement) so switching from growth to dividend stocks may not be quite as much of a mistake as it would be for someone young. But it may indeed be a mistake. We'll see if I get lucky.)
I'm glad I took my NCLD gains from yesterday and split it into VOO + SCHH
In fairness I think AI is going to change the world. It could be the most influential (and maybe destructive) technology ever created. It could end up destroying society in which case it won’t matter what we invest in. Or it could just be a great economic prospect. As a software engineer I see what the latest AI models can do. It is a major threat to my job. But software is just the leading edge of jobs AI will replace. I feel like I have no choice but to be at least 30% in AI as a hedge. I am in some DRAM, some Amazon, some Google, and some photonics. Ironically the big loser of those for me has been Google. 70% is VOO or international index funds. Probably should be in some robotics as AI robots will be a thing. Imagine a world where AI robots operate the full life cycle of robot creation. That would be an exponential growth of robots. Maybe sci fi but maybe not. Anyway, I think everyone should be in AI to some extent. Not 100% but probably more than 10%.
Fuckers are dumping VOO on open, when does it end.
I bought VOO right before it dumped just now, I'm so good at this.
17 ETFs with overlap is almost certainly overcomplicating it. If most are US-focused you're paying multiple expense ratios to hold basically the same underlying positions. The mental overhead of rebalancing 17 things also tends to produce decision fatigue or inaction, which ironically leads to worse outcomes than a simpler setup. A core of VTI + VXUS (or VOO + VXUS) covers 90% of what 17 ETFs are trying to do. I keep the ETF side of my portfolio dead simple and use MarketCast to track the individual names I actually watch actively — keeps the two jobs from bleeding into each other. What's the actual thesis behind each of the 17?
GameStop was genuinely traumatic for a lot of people who got caught on the wrong side or even the right side and gave it all back. The market since then has been completely different though — it's been one of the longer bull runs, especially in tech. If you're thinking about getting back in, starting with broad index funds (VTI or VOO) rather than individual names is the low-stress path back. I eased back in by keeping a watchlist running on MarketCast on my TV — prices always in the background but I'm not obsessively checking my phone. Made it feel a lot less high-stakes. What's holding you back from re-entering?
VOO and chill for a year
The advice is , time is on your side so take advantage of it by investing in some funds like VOO or VTI and set aside a certain amount of money for your trading purposes. Let the market do the work .
You do not need a lot of ETFs. It is best to use ETFs for broad market exposure, like VOO and QQQ. Then you can buy a few individual stocks to fill in.
50 is not too late at all — she potentially has 15-20 years of compounding if she starts today, which is more than enough to build meaningful retirement savings. The priority order I'd suggest: 1. **Open a Roth IRA immediately** (if her income qualifies). $7,000/yr max at her age. Tax-free growth for potentially 15+ years is huge. 2. **If her employer offers a 401(k) with any match, that's free money** — contribute at minimum enough to capture the full match. 3. **Keep it simple**: a single target-date fund (like Vanguard Target Retirement 2040) or a three-fund portfolio. She doesn't need to pick stocks or actively manage anything. The "it's too late" feeling is common but mathematically wrong. Someone who invests $500/month starting at 50 into index funds averaging 7% historically ends up with ~$150k by 65. That's not nothing. The key psychological trick for new investors is staying informed without getting overwhelmed. I've seen people paralyze themselves researching instead of just buying VOO and letting it ride. Keeping ambient tabs on the market — I personally just run a live ticker wall via MarketCast on my TV — helps you feel connected without getting sucked into day-trading anxiety.
It's never too late in fact at 50 I would suggest 50% in VOO, VTI, or FXAIX and 40% in SCHD. The remaining 10% in a money market fund to use when there are dips.
That’s what I was just thinking. Market could go down and he’s working against himself. My normal brokerage account only gets $10 a week. I blew too many account ms in the past so I’m just growing it through day trading. No idea what to do with the money, I invest about 5% of every profit into VOO and retain the rest in cash.
You obviously can't handle high volatility so switch to ETFs like VOO.
Bro, your next play is parking that in VOO and retiring. You won dude, don’t give it back.
My Korean broke they are full port VOO
It’s not a good idea to DCA into an already decaying financial instrument. You usually DCA into ETFs like VOO and sometimes individual stocks. This isn’t the place to discuss this though this place is strictly for regarded content!
Thank you for the response. What I am trying to get at is that diversification is deeply related to two assets being uncorrelated. Both VXUS and VOO went down by the same approximate amount during 2020, so where is the benefit of diversification. Like, this asset has cost you (in opportunity cost) 170% of your original investment over 10 years. VXUS is MASSIVELY underperforming so why pick the worst asset when it’s highly correlated with a much higher quality one. Why not buy the best in class within various classes that are uncorrelated rather than two assets with overlapping holdings?
Does it make sense to take a $200K margin loan at 4.88% interest against a $1 million VOO portfolio, for the purpose of buying and holding more VOO, reinvest the dividends and let the margin interest accrue?
It could work if you do it the un-WSB way and set a max loss per day. If the account grows don't increase your risk, just roll those profits into VOO or whatever ghey thing your Geometry teacher told you to do while he was trying to groom you
Now don’t fuck it up. Throw that shit in VOO
Nokia has done better than VOO for the past five years, so you are making the point to hold not sell, especially since it doing good the past year, including up 10% today. On the other hand, the OP doesn't seem to have a clear plan for the stock so selling and buying something they are more comfortable with would probably make sense for them.
Everyone and their mother knew about the GME drop. We are only referring to being right when going against the grain. Otherwise I’m a market savant calling VOO to go up in the long term.
VOO wasn't moving like I wanted after several years. It was slow. I'd suggest you look at SPMO or QQQ.
2.63% of gains never looked so good. Just don’t think about the \~80% gains you could have had just throwing it all in VOO
RKLB, SMR, NASA and LUNR add up to about $5,047, which is over a third of the account. Selling NASA on its own barely changes that, since the space theme is still where most of your losses are sitting. The $300 of gains against the $1,054 of losses in those other names is fine to harvest, you just have to stay out of NASA for 30 days if you want to claim them. You've already said you don't love NASA or LUNR. Would you actually let the space exposure shrink, or does the urge to add another name back show up pretty fast? I'd probably let VOO and VXUS carry more of the weight and treat the space names as the smaller part.
Roth IRA is looking great. The taxable brokerage account you just need VOO and VXUS. Maybe add VBIL for emergency savings with tax protection perks (no city nor state taxes). Only downside is you can't access the savings on the weekends once the stock market closes.
Bonds are unlikely to outperform in the long run as you experienced, but are good for peace of mind. You mentioned that you are a couch investor yourself so Im guessing you deal decently well with volatility and probably dont need the money in the short term. I would say go with the VOO or SPY in your case.
For me VOO or SPY is already enough, as you said a lot of QQQ or any other popular overlaps so there is no point. I think about geographical diversification in what the businesses actually do. For VOO, most companies operate around the world so US concentration wouldn’t be that big a problem. But if you are still concerned I think a small portion of country or region specific ETFs to go with VOO would be good. Lets say Alibaba from China becomes the biggest company in the world in 20 years somehow, you would still capture that in a China or Asian ETF while your American companies also do their jobs.
You're too concerned with the number of shares and average cost of your holdings. What are your percentage weights of your holdings in your account? Inspect the weighting of the stocks in your portfolio and notice the multiple bets on the same stocks like Amazon and Microsoft for example. This should be concerning because it's not something you mentioned being aware of. The selected etfs are all reputable. SPYM and QNDX are cheaper than VOO and QQQM if you're adding new shares in the future. The cost savings is not huge so nothing wrong sticking with VOO and QQQM if you prefer the cleaner portfolio. The individual stock holdings are a bit performance chasing. If you are investing long term, these look like relatively shorter term holdings compared to your etf choices.
seriously, 15%+ returns on VOO and QQQ
A lot of new investors learning the hard way that VOO and chill is smarter than them
QQQM: SCHG: SPMO: VOO: VGT: SCHD: Lots of overlap