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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
A few years ago maybe but VT outperforming VOO right now
Yeah im just swing trading, cycling out of VTI on up days to cash, to VOO and VEA on down days. Be comfortable holding and tracking you cash % at some level and cycle through. Or, just, Voo and chill
Dump all of it into VOO and forget about it.
When I first started in 2012. I started with a boggle head approach , but I made so little money that I calculated i would at best retire normally and work my whole life. My income increased dramatically as I climbed the corporate world , but before I made big money , I invested in some speculative high risk and high reward things (Bitcoin, Tesla etc). I made a fortune on those and others (mag 7, Bitcoin miners turned ai ) but I also lost quite a bit on others. I guess it comes down to your income , your goals, your risk tolerance and if you’re ok to fail before you succeed. Had I lost all my bets, I would have focused on increasing income and focus solely on ETF like VOO and Qqq for long term , stable investing. You can never lose in a large index …
When has VOO ever been down 50% or 60% over a 10 or 20 year timeframe? Every 20 year timeframe in the history of the S&P 500 is positive, which is starkly different than down 50 or 60%. Even over ten years (hardly long term), the S&P 500 has never been down 50%. The worst decades ever recorded was about 15% down, and you would have had to have been calamitously unlucky to have invested all your principal at that exact worst time. And even if you were THAT calamitously unlucky, you could have erased that by DCAing.
Hopefully I learned a lesson from Biden’s era, when J Powell rocketed interest rates, after keeping them low for ALL of Trump’s first presidency. The lesson was panic sell losers ONLY when losses reach 60+%. Reload VOO and wait three years until market normalizes. Sell ALL VOO gains and buy ANY wacky Cathie Wood idea (robotic VTOL taxi, Space data, whatever). Wait three years and repeat.
VOO + VGT ETF and forget about it
I sold off half my oil stocks, half my mining stocks (everything except chevron at more than double purchase price), keeping BRK/B at same level, along with XLP. Sold ALL my VOO, QQQ that's not in IRA. Cash cushion created.
Sorry about your loss. I personally would sell the shares and move the money into VOO (SP500) or VTI (total market). If you sell now, you will qualify for step up cost basis which means there is no capital gains tax. I think ORCL will outperform the broder market in the next 5 years, but if I'm picking 20-25 individual stocks to buy and hold today they aren't making the list (probably not even top 50). The US stock market has in recent decades outperformed all other markets in the long term. It's very difficult to see this pattern changing simply because US has the largest economy and the largest inflows of capital investment. Let's say you are an entrepreneur and have this great business idea. Would you want to market it in an economy that will maximize your potential or in a market that is a fraction of the size? I can tell you the capital investment would flow to the former and not the latter. So investing in areas that have underperformed is leaving money on the table. This is why you need to invest without emotion. Investment is meant to grow your net worth. Where you want your moral compass to point and what values you hold aren't tied to increasing your net worth.
\- 50% VOO, 25% VXUS, 10% BND, and 15% individual stocks you research that you might like/believe in. \- Set up auto buy so you buy VOO, VXUS, BND, etc monthly to dollar cost average and build your porfolio. \- Make sure DRIP is on (dividend reinvestment plan) so when your ETFs pay you 4x a year, you buy more of the stock using the dividend. I recommend using Fidelity or Charles Schwab as your platform. \- Finally, leave it all alone and never sell until its time for retirement or to rebalance your porfolio. Profit. And one last tip, don't ever fuck with options, ever.
wrong, the horseshoe is sub 80 IQ and above 140 IQ are both pure VOO with maybe some world index ex US for good measure
I have all kinds of permutations with investing,trading, gains and losses. Since Dec 2017, I made nice money, but greediness (wreckless options) killed one key account during 2021 - just in 3 months. I am recovering since then, but very slowly and carefully. Long story short: You need to understand **money lost with market is permanent loss**. Psychologically, you need to absorb it. Review what you did and stop bad practices, wreckless options and margins (this is immediate) Then, **make your own rules and follow it**. Understand you can save existing money and grow slowly, read books for both investing and trading. Use etfs and positive betting, like buying VOO or QQQ, never short, never go options. Simple buy low sell high (if trading) or buy low, dca lower and hold long (if investing like VOO, QQQ or SMH). **Never try to run 100 miles speed, 3 to 5 miles are enough to make progress**. It take many years to bring back the life to positive trend, growth and financially better life. Good Luck.
In the last 10 years I have returned triple my investments, went back to school to change careers and purchased a home with cash. The last 10 years has been one of the best times to be invested. Even if you missed all of the great reddit stocks etc and just picked VOO and chill, or one of the methods recommended on Reddit. A blind monkey, wallstreetbets, can even make money in this market for the last decade.
There's absolutely nothing wrong with index fund investing. Statistics show that most traders don't beat the S&P in the long run and index investing is *way* lower stress with lower risk. And yes VOO is one of those S&P indices, but there are a bunch. You might want to look into others if you're interested in diversifying, QQQ covers the Nasdaq, VTI covers the entire US market, VXUS covers the global market excluding the US, etc. Most of these have low expense ratios (the cost you pay to park money in these funds) but be careful as some do not. Your broker might also have accounts specific to them (Fidelity for example has FXAIX which covers the S&P like VOO does, but with a smaller expense ratio).
like VOO? I do use an robo-advisor brokerage and have a small amount in things like that (VOO, large cap, small cap, emerging markets, international, etc.). I simply don't trust myself to pick stocks well. Every time we did that one mock stock market exercise in school I always ended up bankrupt.
Full ported back into VOO today, if there’s one thing I learned it’s that they won’t let the market tank too much
I’m ready. But old ass boomers that think they are bogleheading but are actually 100% VOO or tech bros are not. They have most of the wealth too and have entitlement issues. At the same time most *should* be able to withstand a drawdown since they have had a fortuitous yoy returns to juice their 100% VOO in recent years. Probably just will take slightly less upscale cruises.
Buy a few shares each of VOO, QQQM, and maybe XAR. Reinvest dividends. Then when it drops more, buy a few more shares. Rinse and repeat. Profit. This is the only way for plebs like us.
just invest in an index fund like VOO? idk i mean just put your money in there and never look back , i am pretty sure you will do just fine. I am in sri lanka and i would give an arm and a leg to put my money in VOO cuz our central bank has prohibited from converting my shitty currency to USD . so i think you are doing pretty good from that aspect.
Just invest in VTI, VXUS, and maybe VYM or VOO (those are my 4). I do a 2:1 split on VTI and VXUS. For every 2 shares of VTI I have one share of VXUS and that covers US and foreign market funds. That’s where for me my return and I feel it’s a pretty safe investment. Just remember though anything you read on this sub isn’t advice, it’s just the ramblings of retards.
yea, its probably better to put your savings into SPY or QQQ or VOO or whatever, compared to a shitty HYSA that isn't beating inflation at all. But the best place to park your money now is hard assets like gold/silver because inflation ain't going anywhere. and the Fed keeps printing and debasing our currency. that is why Gold and Silver have mooned - they will keep mooning. 4-5k gold will eventually be 40-50k gold
Best you can do is buy a boring stock like the VOO S&P 500 index and then just hold it for 20-30 years.
Doesn't VOO or spy do 17%? Are you sure you are positive?
This blend is actually quite aggressive for a 15-20 year horizon. While the cost efficiency is excellent, you are essentially double-dipping VOO with VTV and VGT. This creates a concentrated bet on one sector that will likely fall harder during a market correction compared to a simpler approach. I usually use the portfolio cross-referencing on trylattice to spot this kind of diworsification and check stock filings for better geographic balance. A simpler 70 percent VTI and 30 percent VXUS split would give you similar growth potential with way less maintenance and better diversification.
With that rate of return, why dont you just "buy VOO and chill" instead...
You sound like you need to just invest in SPY/VOO if your getting this emotional. I assume you are messing with options and think your “investing” but likely do not understand the technicals of options
VOO to echo what others have suggested, and you can do a weekly DCA. My friend invests 1k every week on it. I add monthly to it and whenever I have a spare. Can add some VXUS to the mix too if you want international exposure.
No need to be that complicated, simply investing QQQ or VOO would do the trick. Believe it or not investing couple of hundreds dollars each month, in 30 years it will become couple of millions. I was shocked when I did this backrest for the first time, and it can be almost any starting time and end time. I even did the extreme test, bought from 1990s and set the 2008 financial crisis as the end dates, it’s not too bad, still couple of times higher than the original investing money. That’s the worst extreme case. I can find my backtesting codes later to provide some mathematical proof here.
I think a lot of WSBers don't realize that there are people here with $500K, $1M, $2M, $5M, $10M, etc. that sits in VOO and has for a decade or more. Those people might play with options with 5% of their portfolio. They are not risking their life savings on something that depends on getting timing, direction, magnitude and volatility all correct.
Took me awhile to learn the winning combo that works for me, I go long with options as hedge. Always have some cash to take advantage of buying opportunities. And more importantly sizing. 50% VOO and ETFs, 10 to 20% in REITs and HYSA, 30% in growth stocks, tech mainly coz it’s what I follow and also work in the industry. Every upheaval is a buying opportunity although I get a tad apprehensive but I remind myself I was able to grow my portfolio because I held (and added whenever I could at the dips). Can’t go wrong with Warren Buffet’s strategy being a contrarian.
SWPPX or VOO and forget about it
Your life is not over my friend. I've lost similar amounts. Just work hard and next time just place it into $VOO or something and dont think about it.
Why are you in only one stock? IF you want to make money you have to do it gradually or this will happen. Just buy VOO right now, it's depressed. You need a basket not one stock.
could have just VOO'd and chilled but instead you were a rainbow bear. Stonks only go up, nerd.
I buy to keep certain percentages of each of my funds where I want them. For example I was my portfolio to be about 3% SCHD but due to it going up and SP500 going down it is closer to 5% so now I only add to VOO and QQQ to get my ratios where I want them.
You are basically making yourself less diversified by adding a bunch of funds with either overlapping or contradictory themes. Sprinkling in a bunch of funds at random like this makes you less diversified vs. just using a broad fund like VOO because they overweight and underweight what appear to be arbitrary segments of the market. If your goal is diversification you should remove most or all of the random funds and use a VOO + VXUS split or equivalent.
That makes sense. I guess my question would be how long do you plan on holding them? If they’re dividend stocks than I would imagine your planning on holding them for awhile? But then if the war stops does that change your plan at all? Also…I used to own SCHD but I figured I was overlapping with VOO. Not sure if that was smart or not. Thanks for taking the time best of luck to you bro
This looks less like diversification and more like VOO with a bunch of extra opinions stapled on. If this is 15-20 year money, I'd rather own one broad core than six overlapping US equity bets.
No more trading for you. This will suck ass, but you can still claw your way out: Work, invest 75% in $VOO & 25% in $VPU, set both to DRIP & don't look at it or jack with it (hopefully your name isn't Jack). Learn Lean methodologies & live Lean. Come back to r/WSB & post a screenshot when your account hits $100k. Long & tedious, but do-able.
market's down 10%? VOO is down <4%
I looked back on how much money I threw away and compared it to what I'd have if I just sat in VOO. Disabled options, sold all my individual stocks, went 100 pct index. Now I have money.
It’s not like they’re all VOO and chill. If you look at the big hedge funds - some focus on long positions, some focus on short, some do commodities, some distressed debt, fixed income. There are all kinds There are the kinds that work on making a tiny bit profit front running volatility. It adds up. They know shit about where to be long in 2 years, they pay robinhood for trade data before it executes, they’re really good at just making money that way
At least it wasn't much to begin with relatively speaking. Stop being retarded, get off this sub, start grinding out some real cash and put it somewhere boring like VOO or VT till you get your shit together. Don't try to gamble your way back.
Bro. Quit blaming others. If you just bought VOO, your $100k would be at least $150k depending on when you bought. You tried to gamble. You wanted it the easy way. And now you're paying the price. Pick yourself up, earn it back, and stop gambling. The market giveth
Stop trading options then dumbass, just buy VOO and do literally anything else with your time. Just goon bro or go fishing, lift heavy shit or literally just become an alcoholic. All of those would save your money and stress
That sucks but life goes on. Work and make that money back and stop touching options. Just VOO and chill. $100k isn't a small amount but you'll make that back eventually.
Some great fundamentals for ya OP. VOO is up almost 15% over 5 years. Welcome to index’s funds.
VOO is up 14.4% over 5 years. OP is certified Retarted.
He can just not go on Reddit. This is on him. OP stop fucking gambling with options. Many lives have been destroyed from it. Get back to 0, and put everything you get in the future into VOO/QQQM and don’t stop for 20 years. NO MORE OPTIONS!!!
Why would you gamble everything? People go on Reddit, read a couple of posts and assume they know this stuff. Why wouldn’t you just take your money out it in VOO or an index fund and just let it sit ? It’s not trump’s fault your short didn’t work, even on this sub, people constantly call out that shorting is an extreme gamble
When the markets are frustrating and down for some prolonged period of time, I just focus on my ETF holdings. This country is organized around the idea of making money, so it can’t go down forever. May as well throw my money into something I know will bounce back with it like VTI/VOO/etc.
VOO and chill has never been more valid than now
OP— the general rule of thumb this comment is conveying is that “safer” stocks usually refers to a diversified portfolio of multiple stocks. The key is to not put all your eggs in one basket. Individual companies come and go - but broadly, the US economy has generally prevailed. The idea of VOO is to index the S&P 500 and spread one investment across the whole market. Given you have so much in cash and are going to put a significant amount of your wealth in real estate (which btw creates a significant geographic investment concentration and adds debt risk), you need to be in the markets to maximize your return. One final aphorism: there is no such thing as “safe” when it comes to investments. You receive a return because you’re taking a risk. Just be aware there are calculated risks and there are stupid gambles. Understand what you’re investing in, and be patient!
Sold 50 shares of VOO on this stupidity bounce in the 401k. Gonna accumulate more lower later this week/month
First dip always feels rough, especially going from +6k to red. But if you’re in VOO/QQQ/GOOG, those are solid long-term holds. The key is ignoring short-term noise. I also diversify (Fundrise VCX + index funds) so not everything rides daily swings. Staying invested is the hardest part.
60% VOO, 20% VXUS, 20% QQQM, you're double-weighting tech since those giants are already in VOO. I went a different direction: IVV (S&P 500) + non-US equities + gold + BTC. Less overlap, more genuine diversification across asset classes, not just geographies.
Bro I make a scheduled purchase of $4500 of VOO on the 25th of every month what are you on about
There’s an 88% overlap between VTI and VOO. It’s slightly more diversified, but not by much.
> I guess Im not sure what the alternative is? Adjusting your asset allocation plan, tilting towards value, considering index methodologies other than simple market cap. Even laddering TIPS bonds. There are a lot of opportunities outside of the *Church of VOO and Chill* that are still index based.
I threw 20k at VOO in April. Sold at Christmas. Seems like April is coming around again, might as well throw 20k at VOO and sell at Christmas again.
All VOO and 1 share of QQQ
At the moment in pre-market, VDE sits at 3.71 + and VOO sits at -2.25 on 5 day chart. So Energy is outperforming it right now but let’s see.
Good idea most of the time but not great when there's an obvious crash on the horizon. By the way, when did people start stanning VTI over VOO?
The advice is, ignore the news and keep investing. Don't try to time the market. You are in this for a long haul. Ignore macro events like this. The worst that happens is you go negative for a bit, all the while buying VOO as it drops under your cost basis and averaging down so that when it is at ATH again (which it will eventually be) you are up even more than before. If you are 24, you have plenty of time to wait it out.
I would absolutely agree it is very subjective and would consider sophisticate automated trading companies to be gambling as well the fine distinction that they function more like the house at a casino. I think there is a fairly clear their is a spectrum, but retail trading ODTEs is fairly far towards the gambling side just as Lehman Brothers massive exposure to highly leveraged 30:1 to sub-prime mortgages was. Than towards the other side you high frequency arbitrage trading and Market Makers that don't want directional exposure as the house. Pure MM's post bid and ask, collect the spread, hedge risk, repeat and their 'rake' is the distance of the spread. Even they can get caught off-sides by the speed and discontinuity of volatility as they are contractually and regulatory obligated to maintain continuous two-sided markets in their assigned securities. They can buy or sell underlying to manage underlying price action in relation to their delta neutral position, they can raise but at a certain point all they can do is aggressively widen spreads to the point no one wants to trade them at the prices, effectively removing their liquidity until spot price stabilizes within a tighter range. Oooor, in extreme conditions, they get forced to maintain tighter spreads and absorb inventory risk they can't fully hedge. They can end up forced to hedge by selling shares into weakness or buying into strength. Accelerating direction. They trade structure instead of predictive direction and even that can go wrong. Than you have the 'best' hedge funds like Bridgewater, Renaissance, Citadel who are using their positioning in the markets akin to managing models based on the uncertainty of risk. Basically trying to arbitrage a better risk/reward than the rest of the ~~liquidity~~ markets. They leveraging their tool-set to literally price risk better than their counter-parties. For instance something like Bridgewater's All Weather Port by Dalio is driven by the core idea that economic environments cycle through combinations of: Growth rising or falling / Inflation rising or falling. He's betting that his categorization of how asset classes respond to economic environments is more accurate than the market's current pricing of those relationships. Citadel has a more quantitative core to do similarly. Than you start moving more into investments and risk at the other end, like holding a 20 stock portfolio, or being all in on the US with VOO, or an ETF boggle-head 3 fund portfolio. Not making a moral judgment, just saying 0dte's skew heavily towards the gambling side based on risk/reward. ODTE's are about applying the correct amount of capital at the right times, for the right reward which reminds me an awful lot like playing holdem well to me.
Advice: VOO is on sale. Buy more!
My theory - automatic broad ETF buys a la VOO
Well, I’d say between those 3 tickers, you are extremely tech-heavy. VOO’s main weights are the M7. QQQ is very tech-oriented. And then you’re holding GOOG, which is a main holding for both. The problem with tech in this environment is that their earnings multiples will get compressed, no matter how much you like tech.
lol I’ve lived through 5 US Wars, if this one is the one to end it all, stocks are the least of your worries. Normal $1,000 split with VOO/DGRO/SVOG tomorrow like every second to last Monday of the month.
Yes, you should definitely end your trading career and start putting the fries in the bag. You're 19 so plenty of time to rebuild your equity and "VOO and chill".
I slept with a very attractive thick Latina (fit not fat) yesterday. AMA We thinking the market is going to tank tomorrow? I was kinda kicking myself for hitting my VOO stop loss at 598 when he rebounded EOD but it may have saved me
For long term investing, I'd recommend a "Boglehead" portfolio. Take a breath: this is actually really easy. It will involve 3 investments (3 things you buy). You don't need to manage 20 stocks or anything like that. The portfolio will include: 1) STOCKS / BONDS. 2) Within the STOCK portion, you want USA Stock / International Stock. Common ETF's for this would be VOO / VXUS. VOO is the S&P 500; the 500 largest USA companies. It represents the US market. VXUS is thousands of international stocks, with zero US stocks. This diversifies you. You have to choose an allocation. A sensible beginning allocation would be around 80/20 (US/International). 3) Bonds: you would pick a bond ETF like BND or VGSH. You have to choose an allocation between stocks and bonds. Bonds are generally much lower return than stocks, so for long term investing, people usually recommend less bonds, with a gradual adding of bonds as you near your retirement date. So for stocks/bonds you could do 100/0. But I think 80/20 is fine. IF you want to keep things exceptionally simple, it's hard to go wrong with a 3 fund that looks like this: VOO/VXUS/BND 60/20/20. It's not romantic. People will tell you that you could optimize for higher returns. But 60/20/20 is a very sensible portfolio at any age. You would probably do better than 80% of all investors with that portfolio, and you don't even have to think about it. 4) If you want to set aside money for more near future (5-6 years), you should put THAT money more towards bonds, money market, etc. Your return may be lower, but you don't want to gamble with money you need in 5 years. Stocks (VOO/VXUS) are absolutely gambling if you are dealing with short time spans (5-10 years). Stocks are not gambling if you are looking at 10-30 years (the longer the horizon, the less of a gamble it is). 5) You need to learn about account types: Roth vs traditional, 401k vs IRA vs taxable brokerage. Accounts are just vehicles that you buy investments within. In other words, you could have roth IRA, a traditional IRA, and a taxable brokerage account, and ALL of these accounts could hold your VOO/VXUS/BND portfolio (or something comparable). 401k/IRA are RETIREMENT ACCOUNTS to be used to game the tax system in your benefit. Taxable brokerage is an account that doesn't shield you from taxes, but allows you total freedom to add or withdraw as you please. The biggest issue is that 401k's don't always have the exact investment choices you want, and may have higher expense ratios than other choices. If you get employer matching, you should ALWAYS contribute to that match, no matter what (free money; literally stupid to not do it). Just pick whatever investments they have that approximate VOO/VXUS/BND (they all usually have something like this). Go slow, learn a little at a time. Outside of all the above, if you want to, you can learn about investing in individual stocks (which is what this forum focuses on). Most folks who try to pick individual stocks will do worse than if they just bought VOO/VXUS, as we discussed above. So newbies should always start with the basic VOO/VXUS, and only add on individual stocks if you are bored and want excitement. Don't rush into it - it's not necessary to ever buy an individual stock, and if you don't know what you are doing, you'll just worsen your performance. Good luck\~
VOO, VTI, VXUS with repeat contributions and chill
Just some of the VOO dough in QQQM plz
You're doing such a good job, especially researching and asking for advice. VOO is a great long term investment. Markets go up and down. We might be in the down part for weeks, or months. Maybe more. Or maybe we'll rally and all have a good 2026. No one knows. If you make no money, or even lose money this year, don't be discouraged. It's normal. If you work up to $1000 this year invested in VOO, you'll likely have about $130,000 by the time you are 65 (which will feel like $31000)... Without saving a dime more.
im 14, i live in usa, I dont make an income, I want to get financial freedom as an adult and never make money a problem for any thing, and hopefully become a millionaire. Time horizon is a while ill be investing my whole life but id like to be able to withdrawl some money in my 20s but mostly long range, risk tolerance is medium id like to have the boring cash generators warren buffet sytle but id like some small semi risky plays that are calculated correctly, I’ve been interested in stocks for a few months now, and I already know the basics ( credit, interest, ETFs, index funds, head and shoulders pattern, uptrends and downtrends, blue chips, REITs, bonds, gold, etc.). But lately, some people have said that the AI bubble will pop and that having VOO is a risk because the top holdings are heavily concentrated in AI and technology rather than being very diversified. I’m wondering about your takes and also what stocks I should get next. I currently own $689 worth of stocks. (I know it’s very little) I have: 1 share VOO 0.12 Alphabet 1 share SCHD .27 FSELX 0.02 QQQ So yes, I have fractional shares💀 But anyways, I was wondering what to buy. I will be getting around $ 740-840 to invest and was wondering what to do with that money. My parents don’t know much about stocks. They say they do, but they really don’t. My father couldn’t even explain to me how to do simple technical analysis. I’d really like to find a way to make an income, even a small income, so I could put thousands in my account. All of my savings go to my stocks. My top choices right now are Berkshire hathaway b Chevron possibly, exxon mobil is too corrupt Coca cola Nvidia VOO but i want your take on it SPDR SPLG QQQ META but skeptical cause AI UBER People have said oracle but I dont know about this ai bubble stuff And my friend suggests COP Maybe a fidelity fund And I probably should diversify to other sectors like agriculture or oil companies, renewable energy may be a new one
Buy and hold VOO for the next 50 years. You’ll come back to this sub and be in the millions at that time
Owning anything at 14 is impressive. I wouldn’t stress too much about what, VOO is certainly fine for your timeline.
You say as if you know that MSFT will keep being a top contender forever. It’s a much better play to buy VT or VOO and hold
The dirty secret of investing is that most people who stress over individual stocks underperform someone who just dumps money into VOO and forgets about it. You're not stupid for considering it, you might just be ahead of most people.
Buy VTSAX or VOO , dca and chill
I just buy a fixed dollar amount of VOO every other week and never look at the stock prices.
im 14 and in the usa, time horizon is a while like a while I’ve been interested in stocks for a few months now, and I already know the basics (compound interest, ETFs, index funds, head and shoulders pattern, uptrends and downtrends, blue chips, REITs, bonds, gold, etc.). But lately, some people have said that the AI bubble will pop and that having VOO is a risk because the top holdings are heavily concentrated in AI and technology rather than being very diversified. I’m wondering about your takes and also what stocks I should get next. I currently own $689 worth of stocks. (I know it’s very little) I have: 1 share VOO 0.12 Alphabet 1 share SCHD .27 FSELX 0.02 QQQ So yes, I have fractional shares💀 But anyways, I was wondering what to buy. I will be getting around $ 740-840 to invest and was wondering what to do with that money. My parents don’t know much about stocks. They say they do, but they really don’t. My father couldn’t even explain to me how to do simple technical analysis. I’d really like to find a way to make an income, even a small income, so I could put thousands in my account. All of my savings go to my stocks. My top choices right now are Berkshire hathaway b Chevron possibly, exxon mobil is too corrupt Coca cola Nvidia VOO but i want your take on it SPDR SPLG QQQ META but skeptical cause AI UBER People have said oracle but I dont know about this ai bubble stuff And my friend suggests COP Maybe a fidelity fund And I probably should diversify to other sectors like agriculture or oil companies, renewable energy may be a new one
hey, first off, it’s awesome that you’re starting to think about investing at 27! honestly, a high-yield savings account is cool for an emergency fund, but you might wanna think about putting some of that extra cash into a retirement account. if your job offers a 401k with matching, definitely take advantage of that! it’s basically free money, and you want to at least contribute enough to get the match. as for a Roth IRA, it’s a great option if you want tax-free growth and flexibility later on. you can pull your contributions out anytime without penalties, so it’s not like you're totally locked away until retirement. and yeah, “VOO and chill” is a solid strategy for long-term investing. it’s an S&P 500 ETF, so you’d be investing in a bunch of big companies all at once. you could do both: fund your 401k for retirement and throw some into a taxable account for more flexibility. but tbh, just start somewhere! even if it’s $100 a month into a Roth or VOO, you’ll be glad you did down the road. good luck!
Probably VOO. But it’s going to 400s or so
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.