VOO

mannerhazel

I’m a large majority in S & P 500 (VOO). I love meeting a person with similar age and net worth!

Informal-Lime6396

Most people here are saying play it safe and do VOO chill. If you have decades ahead of you, I say assume a little risk and allocate some to something like semiconductors and technology like SOXX and VGT. If you get a 500 ETF too, yes you are double dipping. If you go the safe route, expect to just follow the market. With sector ETFs, you can take some safer risks and make up for lost time. If you have a 401k or Roth IRA, there's no tax event for selling so you can go crazy with SOXX, exit back to VOO if you feel like it.

BuzzerWhirr

Nope I've been long VOO for over 15 years. Other than not having children, putting all of my savings in VOO has been the smartest financial decision I've made.

Sellazard

Spacex will be included in. S&P 500 in a year. VTI, VOO and chill won't work anymore once the house of cards falls someone will have to hold the bag

cuddlyviola_7

yow starting at 36 doesnt mean you need to ditch VT for VOO, since total global diversification is still an awesome strategy. so stick with VT for a worry free setup, and only switch to VOO if you want to bet solely on big U.S. tech companies.

mythozoologist

225 VOO 25 IAU (gold) Call me crazy.

Neuromancer2112

Ah ok. Personally, I don’t put mutual funds into taxable accounts - if they ever distribute capital gains, it’s much less tax efficient than ETFs. I’d have FXAIX in Roth, and if you want S&P 500 in taxable also, VOO is a good low-cost option. If you want to have a bit of Semiconductor exposure, SMH has been an absolute monster - since it’s sector-specific, though, I’d limit it to max about 5-10% of your total portfolio.

Equivalent-Fan-2557

However you want to do it. So long as your money is going into VOO or ETFs that are extremely similar to VOO as there are a couple to pick from.

Every_Cress

I don’t have a 401(k) because I’m self-employed. I maxed out my Roth IRA and invested all of it in VOO (I also recently opened my Roth IRA this year). Now, I’m considering investing $250 a week into my taxable account, but I’m not sure what to invest in.

BearThumos

How does a noob figure out which tickers /indexes to look out for? Ex: VOO vs VTI?

Educational_Cable405

Everyone in here is about to hand you a ticker, and that's the smaller decision. $250 a week is roughly 13k a year, and whether it goes into a Roth or your 401k versus a plain brokerage swings your end number way more than VOO vs VTI ever could. Fill the tax-advantaged space first, the fund inside it is almost an afterthought next to that.

bofoshow51

Starting at 35 is actually the average, and about $1000 a month is a really great start! You should focus first on maxing your retirement accounts, certainly your Roth IRA, before prioritizing a taxable account. You only do taxable after getting all that advantage juice from the other first, or you plan to FIRE and know exactly how much you need in a taxable to tide you over til you can withdraw from retirement accounts. Way way way better to auto set to low cost broad market index funds like VOO. I highly recommend doing a mix of US and International, so VOO/VTI + VXUS, or even simpler just VT. VT and chill on auto is truly the statistically best way to get your money working for you long term. The best time to start was yesterday, the second best time is right now. Congrats, and keep it up!

RecommendationFit996

During Covid I sold some of my VOO and QQQ and instantly bought SSO, SPXL, QLD and TQQQ. Rode it way up and way down into the bear of 2022 which was a gut-wrenching ride. I bought more in Dec 2022 and have’t looked back. This isn’t for the risk averse for sure. But it can be a roadmap for anyone to deal with dramatic downturns. I’d just recommend selling the leveraged etfs once you’ve recovered if you can’t sleep at night taking that much risk (SOXL was another great one bought during the tariff tumult surrounding liberation day, currently up 14x)

LuciusQ2020

FXAIX costs 0.73% a year while VOO is 0.03%. Huge difference.

Ok-Clerk393

These retards don’t know how ETFs work. I can’t believe there’s people worried about Space-X being part of their boring ass 401k funds. This shit could go to negative $100 per share and VOO would go down 0.25%.

Maximus77x

I’d personally just keep going with all VT. Ultimate simplicity. VOO is totally fine too—the important thing is that you’re shoveling in as much as you can.

redditissocoolyoyo

Here is some enlightenment for you. 250 a week, automatically contributed to your investment account. For 30 years (you'll be 65 when you retire) will be about $1.8 million. The key here is make sure it's automated. Auto withdrawn from your bank account and into your brokerage account. Set it and forget it. The only reason to check once every few months is to make sure the automation is still functioning as it should. Ignore all the noise of the markets. If you mess around with it too much, or start to let the corrections make your decisions to withdraw or pause, you'll be fkd. Do VOO, or with SWPPX, do some VT, a few... Doesn't hurt to mix it up. I've done it automatically, for like 20 years or so now, through the great recession, the wars, COVID, etc...just leave it alone to automate.

backfire10z

Annual tax? Do you mean fund fees/expense ratio? VOO has those too, and they’re higher than FXAIX. FXAIX: 0.015% VOO: 0.03% (2x) It’s a pretty negligible difference.

big-baller-47

Bag7 has definitely been fucking a lot of ppl over. Boomer VOO investors are currently outperforming most people that have individual Bag7 stocks in portfolio

Samuel-Darnold

I would put all into VOO, if you want some semis, put like $50 of it max into SMH

BoomsRoom

I'm 10 years older and was only rocking my 401k and my RSUs from my job. Once I got stable, and had my 6+ month emergency fund set up, I added a roth IRA for an additional $600 a month contribution. This brings me up to a little over $1k a month. My Roth is 80%VOO and 20%VTUX. Set it and forget it. It's never too late.

tang-tw

I also started investing at 36, and currently I've bought VOO and SMH.

Darby_Crash75

One more question. Doesn't FXAIX have the possibility of anual tax where VOO doesn't?

zenyogi2025

All Avantis ETFs performed better than VOO recently, especcially with international, so not sure what you mean value is underperforming... Also Value doesn't need to outperform growth. Keeping some portion in value gives stability to the total portfolio, when the mag7 swing wildly. Having 50% value and 50% growth always beats sp500 alone and ride is smoother than only VOO or VT.

CitizenPremier

You don't have to choose one index. If I were doing nothing but indexes, buy-and-forget, I'd do a mix of QQQ (tech heavy but good if there is no AI bubble), VOO, VXUS (exclude the US) and IXJ (healthcare). Ideally however you should buy more every week. If you are scared about the idea of buying at the top and perhaps your stock losing value for years before it recovers, then just buy in a bit every month - say $1000 a month. After the $7000 is all invested, you can set a goal of say $200 a month, which you can increase later when you have a job.

D_Pablo67

Invest $1,000 a week in VOO and $1,000 a week in QQQ.

zxc123zxc123

My average is around $20~ Oldest shares from around 2010ish. Sold stock covered calls at around $85 but it went nuclear to like $105. I still had the option to just buy the calls back or buy back partially to keep some of my INTC but I decided I'd rather just have my money in VOO. I know INTC can still go another 10%-100% from that $105 mark during a but I also remember how INTC was a bag hold for 10 years for me and if for you then 20 years. It hasn't outperformed the S&P500 over those periods unless you bought low and sold high.

redditissocoolyoyo

VOO or swppx

DuckLIT122000

Try to keep some amount of money available as an emergency fund. For better returns on your savings, you can put it into a money market. If you know nothing about investing, I would recommend only using a website instead of getting an app so you don't look at it as often. The goal is long term growth, so no reason to look at it frequently and potentially get scared into selling when the market is down. Like people said, VOO/SPYM/VTI/VT are very safe long term investments. Keep in mind that IRA contributions are limited to your earned income, so if you are not working, you'll have to use a normal brokerage account.

Gain_Spirited

First I recommend opening a Roth IRA at Fidelity or Schwab. This is important because taxes will eat away at your gains if you don't put it in a tax advantaged account. Always stay within your yearly contribution limit. You could add a regular brokerage account if you want to save more than that, but you'll have to deal with the taxes. The easiest strategy is to invest your money in a low cost S&P 500 index ETF like VOO or SPYM. This should be the core of your portfolio. It's something you can do now and then later on you can do your own research and figure out what other investments you can add.

Various_Things2026

VOO and chill

Je-ne-dirai-pas

I’ll move all the industry ETFs to just VOO, QQQ, and VXUS. Keeps it cleaner and will likely outperform

eyeOfIan

You can get VOO with fidelity.

WorthContribution457

If you want a simple 4 ETF portfolio so you don’t have to be constantly worrying about buying or researching companies/stock VOO - (S&P top 500 companies ) VO- (mid cap companies ) AVUV - (Small cap companies ) VXUS ( International companies ) Good balance so you are seeing diversification without having to pick and choose Obviously other ETFS in the same sectors but those are a few.

fourwedge

Buy the S&P ETF in the form of VOO. Don't mess with it. 95% of investors can't beat that anyway.

greenpride32

I can't say that I agree with your viewpoint as of today, because those top weights are growing by leaps and bounds and are really the driver for the index's big gains (NVDA and AAPL each did over $40b in profit just in their last quarters alone). You see that reflected in VOO's performance over RSP. But with SPCX TSLA and upcoming IPO's of OpenAI and Anthropic, RSP could be a good hedge for those not wanting so much weight in so little intrinsic value.

professional408

S&P 500. VTI. VOO. Broad Market Index funds. Set it and forget it.

YourChildhood5762

Several people have asked the same question today. The difference is that they did some research and came to us with a proposed portfolio. The implication being that they weren't asking us to do all of their work. If you make a low-effort post, you'll get low-effort replies to VOO and chill. Which is an excellent idea but there are potentially more profitable ones that involve more than one ETF. The most important thing is that you begin some kind of investment soon instead of putting it off.

OakleyPowerlifting

I’ve been doing RSP the past few weeks to make it equally weighted at least. I do DCA and have some of those that you mentioned, just wasn’t sure if I should get out of VOO or what. I’m

MuntzDesigns1

Open a Vanguard account (Roth IRA) and invest in VOO or VTI with some international exposure like VXUS. Keep in simple and set up recurring investments.

Dstein99

VOO is a good option, this is the 500 largest US companies so it grows with the US economy, but it isn’t “stable”. VOO will slowly grow your money but it occasionally has drawdowns. You lose with VOO if you hold while it goes down 30%, think this isn’t what I signed up for and sell at the bottom and miss the recovery. If you buy and forget the password to your account VOO is a great option, but if you think that steady is more important than growth then it’s probably best to keep it in your savings account. Fidelity is a good brokerage to use because you can buy in dollar increments instead of share increments. I think for someone new this is simpler to understand.

selipso

Normally I would agree with most of the people saying VOO. But right now the VOO is extremely top heavy and concentrated in technology stocks. This is a problem because SPY and VOO adjust their allocations based on market cap. I’d recommend RSP (equal weighted S&P500 instead).

IntergalacticPodcast

As others have said, VOO, VGT, QQQ... I'd prefer to invest in different ETFs so that you can learn how and why they perform differently.

PodcastAlpha

Split into 80:20 - 80 to VOO and 20 to the company you love most. Don’t do options.

Admiring-Nobel

Buddy … just VOO and chill.

alreadysharpened

VOO

DigitalArbitrage

VOO is the same thing as SPY, but with a lower fee.

TwoTrick_Pony

VOO in a Roth account sounds like what you're asking for

neonam11

Yes, if you have a Vanguard account you can buy fractional shares of their ETFs as well, including 100 dollars worth of VOO.

Je-ne-dirai-pas

VOO

neonam11

We did that in elementary school in the 80s. All the kids wanted to buy Hershey and the like because it was near Halloween. I thought Coca Cola was the better choice. I think I would’ve won if we look 20 years out., LOL. My recommendation is for you to put a 100 in VOO and 100 in single stocks. Show him that VOO may be boring, but over 10 years it’s sure to grow. The single stocks might be a hit or miss. It will show him that when he is an adult to put a majority of his portfolio in a broad market ETF and then dabble in sing stocks. My two cents.

BaxBaxPop

Equal parts VOO and SPCX. What better lesson could you learn?

GrannyLow

Meh, I don't disagree with you, but picking stocks can be fun too. I pick a few every once in a while and then if they do good, sell half and put it into VOO

Saehgny

Not sure about SOFI but I like your individual stocks. Keep them! As others suggested I would suggest you add an index fund like VOO or QQQM and perhaps an international ETF like VYMI or VXUS. Time is on your side.  Keep investing regularly. Great start!

GrannyLow

I am a VOO fan boy but shares are $700. Which is like 7x what he has

Idkmanitcouldwork

SPY and VOO. Use one of these and prosper, don’t and find yourself outside a Wendy’s.

Used_Ad_7270

Bro you speedran retirement 😂 Everyone else: “slow and steady in VOO.” You: “nah I’ll just solo queue IBM calls and accidentally front run Trump.”

cryptopolymath

Half in $VOO, half in $DRAM

Kitchen_Steak8218

Let's go all in then. What other stocks with VOO? VT?

Meakmoney1

Every day. Sold my stupid shit up 10% on a day and dumped into VOO for the week

Kitchen_Steak8218

Should I invest more in VOO?

GWeb1920

So it has 3 big bumps coming that everyone is aware of. VTI buying, QQQ buying and ITOT buying. Then it needs 4 profitable quarters for SPY and VOO. This is combined against investor lock ups going into Q2 earnings. So it’s going to squeeze, the major investors in the IPO will take profits and we get to see if retail can hold it up. If one looks at Bitcoin one can see how irrationality can maintain price forever.

CaptainDorfman

I’m in VTI in my retirement accounts (Fidelity BrokerageLink and Vanguard IRAs) and am seriously debating switching to VOO and VXF.

YourChildhood5762

I think it's good. Developed markets ex-US hasn't been doing great for me. Everyone jumped in at the beginning of last year and drove the prices higher than growth could keep up with. I'm not losing but gains are close to flat. Emerging markets are doing very well but you coming in late may hit the same situation I did with Developed. Small caps has also been doing decent after two years of barely staying above water. You'll have to keep an eye on that as well as your internationals. I don't think they are as reliable as large-cap US indexes but I'm not dumping mine. I have GRID since February 2025 and it's given me a 63% gain. I'd keep VOO and QQQM the same percentage. Take VXUS down to 15% and apply 7.5% each to AVDV and AVES. AVUV at 10% and 5% to all the rest (If I counted correctly, you have to drop one). I think we're at the end of the tech boom but 5% isn't huge and some of those should hit at least 10% gain a year to balance out any losses. Since I think you'll need to drop one, that would be either HUMN or WQTM. But that's based only on vibes I haven't done any research. Or BTC which I don't trust at all but it's popular. Full port DRAM means put everything on memory. You have SMH so ignore that. He's trolling. Plus you've got more chip exposure with VXUS.

JJJonReddit

Hold $VOO for five years you should be fine.

ssjgsskkx20

Monster energy drink, chipotle, Tesla, KLAC , VOO. Amat arm, Nvidia, AMD.

greenpride32

IMO - the ETF's at 5% and under are not worth holding (7.5% is borderline as well). When you have an individual stock with high potential (ex NVDA AVGO), a low weight can still make a substantial difference to the overall portfolio. But most ETF's returns will be much more muted since it will combine both winners and losers (again compare NVDA and AVGO versus SMH). You can run some possible scenarios, but how much does XAR or GRID have to blow up to make a meaningful difference? If VOO weight is 25x that of XAR weight, VOO doubling would add same nominal amount as XAR going up 11x. High percentage weight times lower return multiple equals lower percetnage weight times much higher return multiple. You took on more risk on concentrated asset/ETF, yet you need an extreme peformance for it to just match the conservative choice with conservative return (SP500 long term CAGR with dividends reinvested is over 10% or doubles your money every 7 years). TLDR - I'd go higher weight on a more selective set of industry specific ETF's to supplement your core ETF's. If you want to hit a home run on a potentially up and coming sector, try to pick their biggest winners with low weight.

Beautiful_Benefit319

Well, only invest in equities if you don’t need the money for at least five years. And I believe for most individual investors the vast majority of their portfolio should be in low cost total market index funds like VOO or VTI. These give you diversified exposure to a variety of sectors. You will float up as top performers are helping to lift the market and your risk is mitigated on downturns. It’s very difficult for the individual investor to outperform the market averages with individual stocks. Less than 10% of my entire investable assets are in individual stocks. They don’t usually outperform the market average but I enjoy the process, data and news.

Envyforme

Its not a bad portfolio. If you went to r/Bogleheads they'd tell you it's wrong because you are concentrated more than 0.2% in the nasdaq-100. I'd remove the outlier ETFs in specific industries though. SMH, GRID, XAR, WQTM, HUMN, etc. There is nothing wrong with prioritizing some exposure, but I do not think a 2.5% holding on a specific industry going up 200% is going to change much in your portfolio long term. If you just want a broad, super aggressive fund, I'd prioritize QQQM on a heavily weighted percentage (30%) instead of all those. Updated: * QQQM 32.5% * VOO 25% * VXUS 20% * AVDV 7.5% * AVUV 7.5% * AVES 5% * BTC 2.5%

JeanneDarc0

Just do VOO or VTI and call it a day bro, maybe throw in international exchange stock like VXUS for diversability 😂

notapersonaltrainer

>so weird, my VOO heavy portfolio nearly 2x'd Inflation adjusted all-VOO portfolio was up ~35% across Biden's term (vs 68% real previously). Pointing out a specific overweight created different nominal results does not contradict anything I said regarding real returns or the broad market, which is what the previous commenter referred to. Reddit is highly unrepresentative of "the market", and most of the gains coming from inflation is not most people's idea of "ripping".

boss_flog

so weird, my VOO heavy portfolio nearly 2x'd

AzIsHotYo

I’m not a bear I’m just vewy scared :3 Shoot me in the face for being a VOO puss

No_Paleontologist506

First off, sorry for your loss. Good on you for educating yourself, but that is what you need, education. Money is about when you will spend and always having a savings/investment plan. Only three numbers matter. Monthly income vs monthly expenses vs monthly auto investment. Open a Fidelity account. Deposit cash there. SPAXX is fine while you learn. Then auto buy VOO on a weekly basis. Start with what is comfortable, then work to increase that auto weekly. Only sell assets in order to pay for urgent expenses. You will learn a ton more. But as long as you get that first part down, you will always be fine. You will do great!!

InvestingNerd2020

So $21k after living expenses and taxes. It will be tough because you need your money to compound and grow over 20+ years typically. Check and see if your employer offers a Roth 401k. $24.5k contribution limit for 2026. Within 5 years while remaining employed and contributing $20k per year, you will have put away $100k USD at age 36. After $100k, your money exponentially works for you. Easy path to early retirement after that. This assumes there is a Roth 401k offered. If no Roth 401k offered, You can focus on building wealth via the company regular 401k plan. Same contribution limit, but pre-tax contribution. Follow the same plan. Unfortunately, any withdrawals before 59.5 years old will have a 10% penalty and taxes on that untaxed income. A taxable brokerage account is another option. No 10% penalty, but you will have to deal with regular taxes on capital gains. Use a stable core ETF (VTI or VOO) and some growth individual stocks with a good balance sheet (Google and Nvidia).

PResidentFlExpert

Sell half and put it in VOO

tacspar

VOO

yeeticusdeletus

I need some advice/reassurance I guess? I’ve started the whole investing journey about a month ago now. Had the expected happiness when it went yo, and the absolute depression when it went down. Now, I’ve been reading up a bit more and want to learn. I’m currently 90% S&P (VOO) and 10% Nasdaq (QQQ). I’m non US and non EU. Should i bother changing from VOO to VUAA for my next round of buying? Or is the difference marginal enough? Also, should I go for more of a 70/30 split US/International? If so, VT?

cryptopo

Just look at the VOO chart zoomed out and think about whether the market being “currently high” means anything for its trajectory. When VOO is at 1300 in ten years, you won’t care whether you got in at 694 or 650. You WILL care if you sat on the sidelines waiting for a dip that never came. Wondering how the big players do it is silly because you aren’t one.

Sufficient_Habit5091

VOO and chill: 9% YTD, 26% YoY SPMO, FOMO and chasers: 31% YTD, 48% YoY 🤡 Fed rewarding gamblers and those slamming calls on every dip.

PatrickSebast

Thats probably a little too aggressive for VOO but I like your optimism.

SoloOutdoor

Thats why I dumped it into VOO, ive taken way too many big gambles and hits with mango at the wheel

insomniatacos

VOO 5% day?

AnnaSmiled2

VOO is at 17% and my acct is at 23%.

MitchCurry

Managed as in paying fees? It feels like it should be really easy to just buy VOO and nothing else.

insomniatacos

Hold my VOO 690 Call? Only got one contract for 240$ on Friday feel like we hit ATH this week?

taplar

A person owns various lots of SPY. Over the year, at various times they sell lots at a loss and at the same time buy the exact same amount in VOO.  Come tax time they are able to offset up to 3k from dividend income without affecting their portfolio. 

Zrocker04

Take it, even if you sustained or even grew income it would take forever to catch up. Don’t invest tin AI bs, it’s a bubble. Keep an emergency fund HYSA, most into index fund (SPY, VOO), and maybe 10% to play around with if you really wanna pick AI stocks.

cforb92

Do we think VOO just green dildos today or falls back a bit after morning frenzy?

Illustrious_Gift1609

That was my original intention but after the first year, the interest rate is the current rate. 2% first year, 6-7% or whatever the current rate is at the time. Thanks for the suggestion, I am leaning towards VOO or VTI over a rental property.

spilledonwhite

Are you still contributing and have time to recover? If so just dollar cost average (DCA) for the entire 16 year recovery. If you are not adding more money and really worried about it... you could do 50% cash and deploy 1% of the cash every time nasdaq drops 1% and ride it down. There is obviously a risk/reward trade-off here and all the "time in the market beats timing the market" shit is pretty valid. Or just do VOO instead of nasdaq... again, risk/reward trade-off.

ggtfcjj

My life is boring now that I am 90% VOO. Any tips? Had way more fun when I was trading memory stocks

ggtfcjj

My life is boring now that I am 90% VOO. Any tips? Had way more fun when I was trading memory stocks

ZYHUA

watching my bros up 10%, 20% a day and my full port VOO up merely 1% hurts

ShortHabit606

15% of a portfolio is a big ass bet no? I've heard of managed futures before. Is there an obvious best practice to start (like a VTI or VOO of managed futures)? And is there a good resource on understanding them that you found useful?

PhDGodfather

You should absolutely invest in individual stocks. There's a good chance Google, Nvidia, Amazon, Microsoft, etc, will outperform VOO from the years of 2028-2038. Not guaranteed, but this is the time to get in on those companies, and this next decade is when their true value will break out (especially Amazon which is the closest thing to a near monopoloy globally).

stickied

Thanks Jim, just sold my house and liquidated all my assets to buy VOO

F3_Denari

Investing is always worth it, especially starting in your teenage years. Low fee, broad ETF like $VTI or $VOO are great options for you to research.

pow22

please short VOO tomorrow and report back

sonofalando

VOO up bigly