Reddit Posts
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?
What actually causes swings in stock prices?
AI is disruptive. Individual companies have never been more volatile. What’s the argument to not just buy indexes?
What about VYM? That seems pretty immune to the shenanigans of the tech bros. You can't fake dividends.
I don't want ETFs, I want to invest in stocks.
Mentions
Did you read the post? You can’t buy VOO in Europe.
Vanguard is cool, they just don’t offer all the stuff Fidelity does and their UX is dated. I know Vanguard advisors and they say it is by design, investing should be boring, and they are not trying to cater to self directed investors, they want people to use their advisors. This makes sense, and I appreciate their candor. They would honestly prefer you buy VOO at a place like Fidelity or Schwab, let the them deal with the service phone calls. There is no revenue from self directed investors on their platform, it is just a loss leader to provide people to pitch management services to.
Sell all of that bs and only buy VOO every two weeks for the next two years while you figure it out. Seriously.
2k isn't much if you have 30k+.... Investing has been a nightmare since last october unless you dodged all blow off tops in crypto, metals, space and memory OR if you were all in SMH exclusively and didn't try to play anything else. Else VOO and chill really was just the best play. Right now there are still a few beaten down stocks that could pop 20% in a few days, especially now on earnings, but you'd first need to find the right ones and even then the question is if they are a good long term hold. I think the ai party will soon come to an end, though there could be one last bout of euphoria left. Even the cheat code of just buying the mag 7 has underperformed for the first time in years. I would stay the course for now, avoid leverage, just stay in voo, keep some cash handy to buy gold/crypto for whenever they bottom out or if we do crash. Could buy treasuries as well because imo the upside ain't so bad especially if we do get a substantial crash, else you still get over 5% a year. I'm also bagholding memory but i do expect it to still bounce a bit. That will be my top signal though, i'm not gonna try riding them out for big gains anymore.
I invested a little (first time in march) into SNDK (30% loss overall), SKHY (19% loss), MU (18% loss) and STX (9% loss). VOO and AMZN have been my only gains at 10% and 8% respectively. Should I just sell on those losses and toss it into VOO to someday make it all back or is it worth staying with them? I feel like a dumbass for having gotten into it right before the rug was pulled. It’s not much, about $2k total but I was ready to invest about $30k. I’m glad I didn’t. But even with that bit, man, this has been such a disappointment overall. Except for VOO. They’ve been good and steady.
The thing I'd want to look at first is whether the brokerage account is really a second strategy or just the Roth account with a dividend filter on top. VOO and VXUS already give you broad US and developed international. SCHD and SPHD are both S&P 500 dividend or low volatility screens, so they're tilting inside the same large cap space the Roth account already owns rather than adding new ground. QQQI tracks the Nasdaq 100, which is heavily overlapping with the growth half of VOO. IWMI is the one sleeve that does something different. There's nothing wrong with wanting an income tilt on its own, but SCHD plus SPHD is roughly 27% of every new dollar in the brokerage account, and both pull from the same 500 names. If SCHD or SPHD dropped 30% in a year while VOO was also down, would you actually keep adding the full $500 a month, or would you start pulling back? Personally, I'd be more comfortable treating the brokerage account as a smaller satellite and letting the Roth do most of the work.
Put it all in VOO and go get a job. When it's 3 mil, retire.
I invest a brokerage account in individual stocks for the most part, so I'm not the best to answer. I wouldn't overthink it. Here are the 1-year returns on each ETF. VOO+23.7% VXUS+27.8% SPHD+14.1% to +14.3% SCHD+31.4% QQQI+24.0% IWMI+33.4%
at least it seems you're trying to stick to some rules, so that's how you win in the long run. Just know that VOO and chill is a thing for a reason ie don't get greedy (if you beat SP500 10 year average, call that a win and move on).
If you are gonna time the market, what is the point of buying VOO instead of 2-3x ETF?
is this the worst time to VOO and chill?
It can last if you buy a really rural piece of land and put a tough shed type home on it. It won't be great living, that's for sure. I'd rather stick it in VOO for the next decade and THEN retire a little better.
Dump in VOO and chill for the love of god
True but if they just stuck it in VOO for 20 years and never contributed another tike they’d still be set for retirement. They could guilt free spend every penny they make and never save beyond an emergency fund. But we all know they’ll YOLO again for either retirement money today or broke. And then they’ll always think the stock market is just a casino instead of a wealth building tool.
Yeah. Throw it in VOO and you're COAST FIRE. You fucking retard
Not just them, VOO,, VGT, NVDA, TSM, CBRS all making similar charts
"Voo and chill" is a meme for a good reason, and one I am a firm believer in. If you want less volatility, SCHD is a good ETF. It will not grow as much as VOO over 10 years, but the higher dividend and consistant growth do make it a good defensive etf that will still consistantly grow year over year.
You’re essentially wanting Reddit to do the job of a financial advisor: assess your risk tolerance, manage your investments/make recommendations, explain and educate you on the pros/cons of each asset class or fund, etc. You’re way too clueless and uneducated to do this on your own based off your own responses so far, so I’d recommend either finding someone who charges a small fee for this, putting everything in a money market fund, or VOO. I suspect the last 2 options won’t be appealing to you for several reasons, so in that scenario you should go talk to an actual advisor to get their recommendations. However, it’s also my suspicion that you probably think it’s stupid to have to pay a professional to do this because “I can just ask people on Reddit for free”… so IDK 🤷🏻♂️
“No long term stocks” what is your goal? The way you describe it, it sounds like you want the steady and good returns of VOO.
VOO is an S&P 500 ETF run by Vanguard.
She’s a 10, but can’t shut up about VOO
If your portfolio is $6k you should be stacking VOO or SPX or something, not making moves.
Dude is talking about buying Coca-Cola stock. These aren’t sophisticated investors. VOO and chill will beat their portfolio by miles
"VOO and chill" is very obviously gonna become synymoys with being retarded, the question is when
It’s kind of 2 fold. VOO is essentially the market and 1 it has a alright return, 2)if your trading yourself your trying to beat that. The time it takes to learn about trading, opportunity cost, the time it takes to manage your portfolio etc. some people don’t/can’t put in that time or really take that opportunity cost so it’s better to just voo and chill (also the time it takes you to learn and manage your portfolio might be better spent getting a side hustle).
Man, I hope your fears are unfounded. Besides being an atrocity that might trigger WWIII, such an act might possibly tank the entire world economy. Even "VOO and chill" or cash in HYSA would be precarious positions in such a scenario.
Yeah as people have mentioned I feel like overlap isn't that big of a deal, I wouldn't sell ETFs just because of overlap especially if they are going to be charged capital gains on them. Moving forward it would be good to just be more aware of your overlap (which it sounds like you are) and ensure you're investing in a way that diversifies more (if that's what you want). You can use [turtto.com](http://turtto.com) to view overlap among many ETFs and it would also show how much you have in individual holdings. Like VTI/VOO and QQQ are going to have a lot in NVDA, AAPL, etc already. So maybe you're fine with that but might be worth just investing in ETFs instead of individual stocks as you'll be heavily weighted in the super mega cap stocks anyway. [Here using turtto](https://turtto.com/?tickers=VOO%2CQQQ&timeframe=ytd&graphType=adjclose&alloc=50%2C50&allocMode=percent) you can see that at a 50/50 split in VOO/QQQ (not recommending that) you'll have \~8% in NVDA and \~7% in AAPL.
say VOO & chill and nobody bats an eye say GME & chill and everybody loses their minds
Can of diet coke + VOO & chill
Buy shares of VOO. Remove your app. Don’t look for two years. Wonder why the number is bigger even though you didn’t do anything.
Roth IRA, every paycheck put 10-15% of it into VOO, QQQ, SCHD, and VGT… or spread that 15% across all of them. Max out your Roth IRA every year. When that is maxed out, do the same thing but under your normal stock accounts. A total of $10,000 right now into just VOO, should turn into \~$600k in 30 years if you don’t touch it, and much much more if you continuously add to it. Aim for $200/mo into Roth IRA if you’re making under $30k/yr, if you’re making $40k+ then aim for $500+/mo. By the time you hit 50, you should be able to quit your jobs and live off of the interest/dividends when combined with your retirement.
I love you bro, please put everything into VOO and never gamble again. You'll be a lot happier
Just by the VOO and don’t look at it you’re not rich or old enough to gamble yet
$45k in 0dte out of the money VOO calls is aggressive, but godspeed to you!
I'd mix the VOO bit between spyd (outperformed spy this year and has chunky dividend), VOO, maybe a smidge in bonds. The last 5k may as well just be thrown in SOXX since it'll go up if the other two do well anyway, SOXL if you wanna go risky with high returns or losses.
if you're serious you might want to hedge a bit. MU or TSM are sort of high beta VOO, it's all one trade.
I know this is mostly a YOLO sub but I’ve got $50k in cash I need to get into the market. Thinking like $40k/$45k just VOO and then bet on one or two individual stocks. Thinking MU or TSM. Any other thoughts?
You’re young, it is much better to have learned this lesson now then when you’re 45 and have 20x as much money. Take it as an L, accept it’s gone, and invest in VOO, and focus on your education and skills. You will not get rich by constantly trading in the market.
Could’ve just invested in VOO…. Why didn’t you
Put the remaining in VOO, and your principal will likely double in 4-7 years. Then you can start college at 27. It's never too late to go to skool.
If you look at it this way, if you would have put it in an IRA and done VOO for 40 years you’d have like $1.5M!
To rotate to defensive investments like consumer staples, should I sell my existing investments in VOO/VXUS to buy or should I just start investing all new money in those defensive ETFs and leave the existing money as is?
SP500 up 12%... Aka VOO But noooooo......you lost 60%.. Nice work. Don't quit your day job at Wendy's.
OP let me tell you man. Take that money and put it in QQQ or VOO and forget about it. Don't do it. don't yolo it
To think you'd be up ~5.3% if you just held VOO in that same timeframe 💔
A legit answer is to join bogleheads and passive investors, and realize most people will never beat the market (I learned this lesson too a year or so ago). Rebalance your portfolio into some market ETFs and passively invest. My current portfolio is like VTI (or VOO) like 60% or 65%, VXUS for international exposure (like 30% or so). And a bit of AVUV for small cap exposure. If you'd rather bet on tech rn, QNDX for the cheapest nasdaq 100 (or QQQM or QQQ, but these have higher cost basis). Then don't touch the money for years. Don't try to chase yield, dividends, or high risk high reward. You can claim up to $3,000 on your taxes for the losses btw. Actively traded funds are pretty bad. Play with the numbers, watch historical stock market videos on risk (Ben Felix maybe). Uhhhhh. Check out bogleheads. They're really risk averse, but they still get pretty good returns. About half that of top 100 nasdaq companies. The reason you get a lower yield is because the top 100 nasdaq companies (QQQ, QQQM, QNDX) are heavily skewed tech and US. Which opens you up to consentration risk. And they're all large caps, which means smaller growth possibilities (and potential dot-com bubble corrections). You'll sleep better at night if you just passively let your investments play out instead of chasing gains. It'll take you a few years to see significant growth. And tbh you are at the point where I definitely could see your portfolio increasing to 100k easily if you just don't gamble and surpass that. At 100k, you are 1/3 the way to 1 million in time. At 300k, you are 1/2 to 1 million in time. iirc "No one wants to get rich slow" - warren buffet or something. Anyway, yeah, I can't guarantee anything. Not financial advice, but I do think it is a better plan than whatever you're doing.
I am holding right because I just cornered my supply and the other firm can now use that milli to buy VOO
This was not original agreement. Create a new coin and just use the other account for buying the whole supply and use that proceeds to invest in VOO
VOO has outperformed my try hard portfolio 10% YTD … so yeah
But I went all in VOO Friday I felt sure the market would dump lmao
Oh and also, sidenote. RSP has been outperforming VOO and SPY, it's the equal weighted SP500 vs weighted towards megacaps. This isn't normal but it is this year. It has a high expense ratio. I personally switched over to RSP but I trade daily and watch everything closely. VOO is still better to buy and hold and not look for year
Put it in VOO and forget about it for 30 years. Wsb is the devil lol
Honestly I would just throw it all on black, win and then throw it in VOO.
I know Buffet is not stupid to just have cash doing nothing. But VOO still beats their interest income. By far.
This is why I recommend people read Bogle's book. This thought process is paradoxical. The whole point of the index, at market cap weight, is that it DOES function this way. But in the last ten years this has been bastardized to equate buying VOO with buying a non-diversified tech fund. In ten years VOO make look different. It's the index. This is what it does. Even on Boglehead sub this idea of the SP500 has been so twisted that it's astounding. I don't even take their advice anymore because of these sentiments.
Had you just put the money and sat on in it VOO, you would have over $58K today and a lot less stress during the whole past year.
If enough people VOO and chill then everyone can just VOO and chill
Ah I see. You've been trading memory too then, any predictions on where we may go next week? Obviously cannot be know, just curious what everyones sentiment is. I am current in a memory position that is stressing me o u t. Bought it after SNDKs earnings dump on its way back up Thursday morning, but got absolutely dumped on Friday morning. Honestly after I exit it, regardless of if I win or lose, I probably will stop doing options and maybe just move to VOO/VTI and chill, atleast until this market stops acting so crazy.
Was doing some risky options plays around earnings and ran up from $45k initial investment into about $110k… so plus +65k. Had some winners that i sold way to early on… including a SPY call i sold for a $300 loss… was a 3k bet that peaked at $64k a few days after i sold. I have been doing momentum plays lately on memory where i place $100k on stocks and sell after a small gain (\~$500-$1,000) I tell myself everyday to stop day trading and just VOO/VTI and chill
there with you man. Saw a YouTube vid about VOO. Average return with $100k after about 24-30yrs is around $4.5 mil. No guarantee but caught my attention
How could you have possibly gone red for a few days if you were buying qqq in 2022? I buy qqq every day in an automated investment. I have done this for 3 years now and the position has never ever turned red. I just DCA $50 a day, every day at open market price. I will do this forever. If you buy qqq every day for 20 years you will not lose money and you will be green forever. If QQQ is too volatile then switch to VOO.
the 94% weight number is the right one to lead with, the ticker count is nearly meaningless in cap weighted funds and people quote it constantly. one thing i would add though. overlap by weight still understates the issue, because what actually matters is how much of your portfolio VARIANCE the two share, and that is higher than 94%. the unique 6% of QQQ is not some independent sleeve, its mostly other large tech that moves with the same factor as the overlapping 94%. so the diversification you get from that 6% is close to zero even though it looks like a real slice on paper. the flip side of your point is more interesting to me. holding both is not pointless, its just not diversification, its a deliberate tech overweight with extra steps. if someone actually wants that tilt they should size it on purpose rather than discovering it. the honest way to state a QQQ plus VOO position is "i am running roughly X% more tech than the market" and most people holding both cannot tell you what X is. if you want to make the post even harder to argue with, run the return correlation of QQQ against a synthetic SPY-plus-tech-tilt portfolio. it will be up near 0.99 and that number lands with people in a way that a holdings table does not.
They’ve had “record cash pile” for 10 years now” constantly growing the cash. Do you want to the math on how much that cash pile would be valued at today if Berkshire just “VOO and chill” over those last 10 years instead of hoarding cash? Do you need me to do the math? Or you just rather avoid the embarrassment?
I have accounts at all of the top 3 (Vanguard, Fidelity, Schwab). My top choice is Fidelity. For a young person, a single ETF that covers "the market" is fine. Something like Vanguard S&P 500 ETF (VOO) or Vanguard Total Stock Market ETF (VTI).
He says broad low cost index. He never specifies an ETF. Investors use SPY, VOO, SPYM etc etc interchangeably to refer to the S & P 500.
if you wanna skip individual stocks but dont wanna be as boring as VOO at least do VGT and SMH of something that outperforms
Take for example people who keeps putting money into VOO. Nice dividend and the growth is not bad. Over 50 years they don’t need to worry about their money and keep throwing money at it. Pulling out and reinvesting is risky, sometimes often than not you end up not doing well.
Some days I wake up a GOOGL bull and am like Google 100% wins the AI race — screw VOO, I should full port And other days I’m like is it really a “race” when AI will be commoditized? Does AI add that much value to Google’s core services?
All this to lose to VOO by 4%. Give up geeza
You get voted down because over the past 15 years qqq has made almost double what VOO made. sure, you pay a few thousand more in fees, but you make a fuck ton more money
You're at a 100,000 a year for life with VOO and chill and the 4% rule... I strongly suggest you consider that and maybe retire.
I did receive a lot of critics about posting this information on Reddit. There are a lot of new investors and it may help them, also may have long investor that doesn’t dig deep enough to small details that can make a huge difference ahead. Just think about paying 7x time fees over 10, 15 years, how much money will be losing if fees. Using the Python tool to calculate the exact fee drag and total opportunity cost. We will assume a $100,000 portfolio growing at a standard 8% annual return to see exactly how much money is lost to the higher fees. A $100,000 portfolio invested in QQQ instead of VOO will lose an extra $7,379.10 over 15 years purely to management fees and lost compounding returns. The Immediate Cost (Year 1) VOO (0.03% Fee): You pay $30 a year. QQQ (0.20% Fee): You pay $200 a year. The Difference: You lose an extra $170 in just your very first year for the exact same top holdings. 10 Years Because your investment grows over time, the fee is calculated on a larger balance every year. That means the dollar amount you lose grows exponentially.\[1\] VOO Portfolio Value: $215,293.55 (Only $598.95 lost to fees) QQQ Portfolio Value: $211,927.64 (A massive $3,964.86 lost to fees) The Total Penalty: You have $3,365.91 less money in your pocket with QQQ 15 Years VOO Portfolio Value: $315,897.74 QQQ Portfolio Value: $308,518.64 The Total Penalty: You have lost $7,379.10 straight to the fund managers. The money lost isn't just the flat fee; it is the growth that the fee would have generated over 15 years if it had stayed in the market. That $7,300+ penalty is real money that could have paid for a vacation, a down payment, or months of living expenses in retirement. Thanks for all downvotes in advance
Go buy VOO - I hope this is a small part of your portfolio. Nobody can predict the future my man. It wouldn’t be prudent to try to figure out where the cheese is with all your chips.
I did receive a lot of critics about posting this information on Reddit. Just because the information looks obvious to you, doesn’t means over millions user on Reddit Investing the information is meaningless! There are a lot of new investors and it may help them, also may have long investor that doesn’t dig deep enough to small details that can make a huge difference ahead. Just think about paying 7x time fees over 10, 15 years, how much money will be losing if fees. Using the Python tool to calculate the exact fee drag and total opportunity cost. We will assume a $100,000 portfolio growing at a standard 8% annual return to see exactly how much money is lost to the higher fees. **A $100,000 portfolio invested in QQQ instead of VOO will lose an extra $7,379.10 over 15 years purely to management fees and lost compounding returns.** **The Immediate Cost (Year 1)** **VOO (0.03% Fee):** You pay **$30** a year. **QQQ (0.20% Fee):** You pay **$200** a year. *The Difference:* You lose an extra **$170** in just your very first year for the exact same top holdings. **10 Years** Because your investment grows over time, the fee is calculated on a larger balance every year. That means the dollar amount you lose grows exponentially.\[[1](https://www.instagram.com/p/DagP3cej-8j/)\] **VOO Portfolio Value:** $215,293.55 *(Only $598.95 lost to fees)* **QQQ Portfolio Value:** $211,927.64 *(A massive $3,964.86 lost to fees)* *The Total Penalty:* You have **$3,365.91 less money** in your pocket with QQQ **15 Years** **VOO Portfolio Value:** **$315,897.74** **QQQ Portfolio Value:** **$308,518.64** *The Total Penalty:* You have lost **$7,379.10** straight to the fund managers. The money lost isn't just the flat fee; it is the **growth that the fee would have generated** over 15 years if it had stayed in the market. That $7,300+ penalty is real money that could have paid for a vacation, a down payment, or months of living expenses in retirement. Thanks for all downvotes in advance
If he invests as little as 25% of his income, VOO/VTI could actually be amazing choice… if he wants to comfortably retire by the time he’s in his early 70s. 🙂
I'm 90% VOO, AMA
You might be alive in VOO but you aren't living
You hit the nail on the head. That is exactly what is happening. To make it worse, you are paying a premium for that second jacket. When you buy both, you are paying two different management fees to hold the exact same top positions: \[[1](https://www.reddit.com/r/ETFs/comments/ummgke/why_is_fund_overlap_an_issue/)\] **VOO (S&P 500)**: Costs a rock-bottom **0.03%** expense ratio. **QQQ (Nasdaq-100)**: Costs **0.20%** expense ratio. By adding QQQ on top of VOO, you are actively paying **nearly 7 times more** in fees for QQQ's portion just to double-down on Microsoft, Apple, Nvidia, Amazon, and Meta. **The Same Fabric** **Top 5 Holdings**: Microsoft, Apple, Nvidia, Amazon, and Meta. **What happens**: These five stocks already make up roughly 25%+ of VOO. In QQQ, they make up over 40%. **The Result**: Your 50/50 portfolio isn't diversified; it is just a super-concentrated bet on a handful of tech executives **The Only True Difference** **What QQQ adds**: A tiny 6% sliver of Nasdaq-exclusive stocks (like mid-cap biotech or tech firms not yet in the S&P 500). **What QQQ drops**: You completely lose exposure to the S&P 500’s financials (JP Morgan), energy (Exxon), healthcare (Johnson & Johnson), and industrials (Caterpillar) on that portion of your money. **How to Actually Fix It** If your goal is to actually add a *different* fabric to your portfolio rather than just overlapping large-cap US equities, you have a few structural options: **For Small/Mid-Cap Exposure**: Pair VOO with an un-overlapped fund like **AVUV**or **IJR** (Small-Cap Value) to capture the bottom of the market. **For Sector Diversification**: If you want tech but want to avoid the exact same top 5 stocks, look into an equal-weighted tech ETF like **RSPT**, where every tech stock gets the same slice. **For True Diversification**: Keep VOO as your core, drop QQQ, and add international exposure (**VXUS**) or bonds (**BND**) depending on your time horizon. Source: Gemini Ai
Thank God I'm a degenerate, imagine going through life all VOO and chill my good sirs 🤓
So you r telling me everyone holding both QQQ and VOO thinking they are diversified is basically wearing two jackets made of the same fabric and calling it layering. 94% overlap is like paying two expense ratios to own the same stocks twice with extra steps
This looks really good, congrats! I would only modify 1 thing, while building up emergency fund i would max the roth ira every year (only 7500). You can take out the money you put in (your base contributions) at any time without paying taxes or penalties in roth IRA. So it could be used as emergency fund as well and all your gain is tax free. You can start with SGOV, then once you have enough emergency fund in the brokerage account you can switch to VOO Look up the money guy financial order of operations. I am non US citizen as well, all the tax advantage account in the US can be managed outside US. Everything is online these days
You should have a "fun money' part of your budget, you're allowed to live, just be sensible about it. If you like to travel set some cash aside for it. I would make the following tweaks: 1. Modify the 401k contribution such that you can afford to fully fund a traditional IRA *POST TAX*, and then do a Roth conversion (backdoor Roth) in the new year. Keep it maxed. Reason being a 401k is limited to what funds are offered, an IRA you can invest as you see fit. 1. Once the IRA is fully funded, continue maxing out the 401k. 1. In addition to your plan for your emergency fund, I'd strongly recommend setting aside 1 month of bills worth of cash in a savings account too. SGOV is great (I use it myself for 6 months of bills) but sometimes you need cash immediately and can't wait for an ACH to process. Big ups for SGOV for maintaining a well of cash/deep emergency fund representing a few months of salary. It has treated me quite well. 1. VOO is fine, though I would strongly consider adding some international exposure as well (VXUS is great). Overall your plan looks great, more on the conservative side which is great for times like these (I also lean conservative in investing). Stick with this as the core of your account and it should treat you really well. Automate as much as possible so you don't fall out of your good habits. One thing to consider - I know housing in your area is abysmal price wise, but look up the term "house hacking". At your age it is realistic to pull off, it gets a lot harder once you set down roots. Being able to put down a few percent on a mullti-unit and have tenants pay most of your bills is not a bad deal, and equity is your friend. It's one of those investment strategies that gets harder as you get older with family you can't just relocate. Overall, really well done.
I would lock in those gains and probably put it in ETFs. And I have. I don’t necessarily want it in SGOV. If I were just going to try to beat inflation and needed that cash in the near term, I’d probably just stick it in my HYSA. If it’s going to remain investment money, I’d de-risk it and go 80/20 VTI or VOO and VXUS. There are a million ways to cut it. You could take half and put it in ETFs, you could take a % and put it in SGOV or an HYSA, you could leave half in individual stocks. Just depends on your risk tolerance.
It’s the easiest individual stock to buy because as you said it’s essentially an etf. It’s like buying VOO, just dca and forget
Yeah but VOO doesn't go down. Max drawdown -2%
I will never ever ever ever ever ever ever buy a put on SPY ever again. My fellow bulls I am so sorry. SPY +1% every week until the end of time. Full port VOO. There is nothing like it.
I’ve been eyeballing that. About 90% of my holdings are in VOO/S&P 500, have wondered about allocating 10% to like SCHD or something where the balance is slightly different
I start from scratch every year when I update my allocation. I’d do the exact same thing I’m doing today. 80/20 VOO/VXUS. I just wish I had learned earlier. In my 20s I bought a lot of individual stocks and probably came out barely ahead but with a lot more stress.