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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
I don't see the point of comparing QQQ to DGRO - they have different investment objectives; one growth and one income. But QQQ absolutely crushes DGRO in return, so what does it matter on the SFV metric? You'd buy QQQ if you are young and don't need the money until decades out. You'd buy DGRO if you need your investments to generate income; typically for later in the life cycle. Also you can just buy RSP ETF (SP500 equal weight) if you are concerned about high concentration. Historically it's pretty close to SPY/VOO returns. But more recently with big gains from NVDA GOOGL AVGO, the weighted index has done better.
Let’s see… TA is nonsense, pulling number out of thin air is part of the strategy… To answer the question, no, I am not thinking similarly. I use LETF allocation to always maintain 100% or more market exposure. I use rebalancing to sell high and buy low. No guessing needed. I also sell some VOO to free up capital as trade opportunities emerge. Since I’m looking for companies that fell farther than VOO, I’m effectively buying the trade positions at a relative discount. When I close trades, I put all of the money back to work. No guessing there, either.
VOO is for squares. Buy SPYM if you want the S&P500.
Nice. Yeah I'm sure it works for some, especially those that like to disengage or not manage their investments at all, but it irks me when every advice post gets flooded with 'VOO and chill' responses, especially the ones that act like it is THE best and most fool proof way to invest. That's like saying crayons make the best art, thanks to their simplicity and the fact that anyone can use them.
for smaller amounts SPY-tracking etfs like VOO or IVV have the same exposure but slightly different option chains. mini SPY options (XSP) are cash-settled and 1/10th the size which helps alot. if you're open to perps instead of leaps, markets.xyz runs 24/7 with index multipliers up to 50x.
Went full port into HOOD at $12 then sold after 4-6 weeks because I was stressed having all my money in one stock. Didn’t even keep anything in and rolled it all to VOO and stop following stocks for a year. Come back to see HOOD pump to $100+
Your not gonna get a good fill on XSP they will make you a market but spreads will be huge. You can try VOO if you don't like spy but honestly spy is the most liquid market in the world your not going to find a better price.
The best time to plant a tree was 30 years ago. The next best time is today. Put the money back in and sounds like ETFs are your style: VOO, SCHB, SCHK for example. If you want to target an industry check out something like SOXX, semiconductor ETF
SH/SDS/SPXS and others are 'Inverses' to Buy. YET, it is not 'Shorting'. Simply Short Sell SPY/VOO... Yet you need to understand Shorting, you pay The Dividends, you may pay a borrow fee(0 for SPY/VOO, unless with those 3rd rate brokers, IBKR/Hood,etc). ALL profits are taxed at Short term Gain(if in Taxable acct). You get Paid(or Pay) Daily with M2M accounting. Fees involved are Tax Deductable. Can Lose(owe) an Infinite amount, unless using Options. to much to explain.... GL
You can short SPY or VOO directly. You can do the same with MES or ES futures.
I’m happy with my portfolio. More than half is in VOO and QQQ. Big position in AAPL since 2000 and NVDA, GOOG, BRK, etc. I think we will continue to go up rest of the year.
We've all been there at some point (sold my palantir at 35-y3ah that still hurts), but you learn as you go. Ive found with VTI (and (VOO) that these are ETFs you wanna be in for the long term I.e retirement. Still, this market is so stupid, it doesn't even follow economic theory anymore and is so detached from fundamentals that im just drip feeding long term plays rather than starting any new positions.
Even if you own 20 stocks across most of the sectors and asset classes I wouldn’t consider it a diversified portfolio. It will most likely have increased risk and volatility compared to a broad based ETF. While I like some of the stocks you mentioned I personally would consider adding a core broad based ETF like VOO to the portfolio and have it be at least 50% of your portfolio’s allocation. Some stocks I like that you didn’t mention are META, TSLA, AAPL, & NFLX. My favorite pick of the ones you mentioned is NVDA.
when I get nervous, I take some profits, and then put it into a more balanced ETF… either VOO/SCHD/QQQQ.
The earnings report exceeded expectations, and today I decided to buy more SMH, SCHG, and VOO.
If you dont know what you are doing, invest in an ETF and hold long term. I like QQQ, and VOO. SPY is a decent standard investment. Most ETF's are compromised mostly of stocks with the highest market cap. Stocks with the highest market cap have the most money invested in them, and tend to be safe investments too. Don't time the market, time in the market is the safest and most reliable.
Sold VOO and I'll re evaluate closer to ceasefire expiry. Israel is primed for a ground invasion of Lebanon and it's unclear if that bear in me is still hibernating.
Try SPY or VOO, they track the S&P500; IWM for small caps; and QQQ for tech exposure. You want growth, not everything. Those ETFs you mentioned include all the garbage too. Your first 10k should be in SPY or VOO then start to pick individual stocks as per your risk tolerance. Pick stocks of companies you use. (eg. RDDT, GOOG, AAPL, HOOD, etc.)
Don't time the market if you aren't an experienced investor. Use "dollar cost averaging." Split your 80K into 3K blocks, and invest one 3K block a week over the next couple of years. Don't worry about the timing, just stay disciplined about investing every week. Instead of VTI, I suggest VOO, which is Vanguard's S&P500 fund.
The earnings report exceeded expectations, and today I decided to buy more SMH, SHG, and VOO.
Chad investor buys VOO and maxes out 401k contributions while enjoying life and never checking port. WSB dumpster boys trade 30x a week gambling on every news bite as if they are locked in and have an edge over normies and still finish every week down
Just leave your money in VOO and stop trying so hard to
This cease fire and open straight situation could fall apart by Monday. Or Thursday. The market is very volatile. Here's what I would do. Put the majority of the money into a CD or treasury ladder and keep some liquid in a money market and start doing regular buys at an interval. Timing the market is very hard. Depending on your time horizon, time in the market will beat timing the market every time. You could go whole hog and just buy some broad ETF's like VTI, VOO. They will probably be all over in the next year or 3. The current US governance is erratic. How much long term damage is being done is unknown. But I think at some point the US will get back on more stable footing. I'm not a financial advisor, just a dude, for what its worth. Also, you managed to preserve your money and not lose it, so thats a feather in your cap, don't beat yourself up about it. FOMO is bad and panic is bad. Time in the market is king. If you have time you will make money. But you have to be able to be patient.
You build up to it over time is the point. You don't get rich overnight in $VOO - you do it over years of being consistent and not drawing on your investments when the market inevitably collapses for a period time. You do it long enough and you will have a high net worth over time
>Many Americans own stocks through 401(k) plans or index funds, which are increasingly concentrated in major tech companies. So they could face significant losses if valuations were to normalize. Great. So all VOO talk is shit now huh? Fck.
Jesus man just buy VOO and get out of here.
PCRA is opening the casino door, but if you are going to walk into a casino, why buy VOO when you can buy individual stocks?
Time in the market will always beat trying to time the market. Even if you buy at all time highs, over a long enough time span you'll come out ahead, especially with VOO where it is rigged for up only, as the poor performers eventually get replaced during rebalancing
/r/investing seems absolutely devastated that market go up. Aren't they supposed to be the boring, "put $11 a day into VOO and never look at it until you are too old to enjoy going outside" sub?
So you're saying it'd be smarter to have SCHD in my Roth IRA and then just dump into VOO in my brokerage?
I mean once you have $1,000,000 chilling in VOO and there’s a 1.5% green day like today, who would want more performance than that? That’s $10,500 in a day for chilling and doing nothing. Plus the fat VOO dividend yield you get. You want to own individual stocks? Why when you’re already getting them in the index. That’s how I look at it. And you benefit from every sector rotation because you own all the sectors! And whenever the market tanks, the index is the least down!! So you’re sleeping tight while everyone else is panicking.
I'm 28 years old with $51k in my 401k (9% contribution rate w/ 6% match + 3% non-elect contribution from employer), $15k in a Vanguard Mutual Fund that my grandfather started for me years ago, opened a Roth IRA 2 weeks ago (maxed out 2025 contribution) with $5k in FXAIX & $2k in FNILX, and brokerage acct with $2k in SCHD I have a good amount of extra income to invest every month and, initially, I was thinking I would just dump into SCHD so that when I'm ready to retire I have those dividends on top of my IRA and 401k. But it just hit me that I could use my brokerage acct to dump into VOO and maybe a bit in VGT and then when the time comes move everything to SCHD or something similar. Opinions?
Currently about to graduate, holding VOO, QQQM, KULR, NVDA. Worried about the recent spikes, should I continue to DCA for now? Or hold off for a bit. Managed during the VOO dip to get to 615 so feeling pretty good, but worried about a crash. Any advice?
Do what most people with high net worths do: 1. Put as much money as you can into broad index funds (usually $VOO, $VTI, or $VT). Try not to ever touch it, no matter if the markets are red or green, until you retire or have enough to invest in yourself (i.e. buying a home, funding education, etc.) 2. In-line with point 2, keep enough cash on hand so that you never have to touch your index funds. Compounding is an exponential force and stopping it can be more costly than having low to negative real returning cash on-hand if you lose your job or life happens 3. With a small portion of your money (say 1-2% of NW), invest in individual stocks. My favorite is taking some speculative picks on unloved sectors. I've been following the markets for years and have found there's moments nearly every year where the street gets bearish on a sector of the market and throws out the baby with the bath water. This year to me, it seems like software. Making one good pick per year is plenty - no need to be a hero. If I fail, well, the S&P is still probably reaching or near all-time highs, so I'm good
I used to be a degenerate, now just VOO and chill. I spend time in here just to shitpost
If all you do is VOO and chill, there is really no point of you being in WSB
I just VOO and chill my life is great
Interesting. I tuned down leverage a bit by selling some SSO (down to my typical 40% allocation) to store gains in VOO and VXUS back in January and put on BX 9/18 130 and 135 strike calls in Feb. When things feel toppy, I generally get out of picked stocks and tune leverage down, but stay fully invested.
>Figured the peace talks weren’t gonna work bc Iran was asking for compensation for all destroyed infrastructure. This is called speculation, your just thought process. Market pre-empted ! If you want to invest side, just spread your money to SPY (or VOO), QQQ and SMH, and keep DCAing whenever you have money. Easiest way is just go with VOO. If you want to trade (Time the market), learn more into technicals, deep knowledge about markets etc. Good Luck.
May I suggest SPYM over VOO? Just cause of the minuscule ER difference
This might be the dumbest thing I've done but if we end green I'm selling all my VOO and VTI and putting it into cash over the weekend. My balls are tingling and that usually means mango is gonna tweet something dumb and ruin all this green.
I would not invest today, strongly expect we will see a downward market correction over the weekend. Either way it seems like oil will negatively affect a lot of the Market over the coming weeks/months so VOO specifically seems like a mistake right now If you do dca that doesn't mean it just has to sit in cash, you should put the rest in short term CDs.
Yes, this is the main reason why people say "VOO and chill," because the long term trend of the market is up.
Dollar cost average VOO and chill put the rest in a HYSA or MMF
Keeping 40k in an Apple Savings Account (3.65%) or Fidelity SPAXX (3.27%) would get you something around $109 - $122 per month in interest and you keep your 40k. Something like that could be a decent emergency fund for you as long as you don't get tempted to spend it on a car or something dumb lol. The best thing to do is just place it into something like the Vanguard S&P 500 ETF (VOO) and slowly contribute to it over the next 30-40 years. That market tracking ETF would be like this: > At 10% return → doubles every ~7.2 years > At 7% return → doubles every ~10.3 years > At 6% return → doubles every ~12 years
I have more funds to use, I just felt comfortable with $3k for my first individual stock. I've got 15k in VOO through my roth.
I used my whole stimmy to buy VOO and Bitcoin
Hi all, I'm 30 living un the US. I make approximately 120k annually. My goal is retirement savings. I won't need the money until I retire and it will sit in the market until then. I don't want it to be super risky and loose it all but I still want a nice rate of return. My current holdings are VOO (about 15k), VTI ( about 5k), VXUS (few hundred dollars). There are no big expenses or debts expected. Do i continue to only put money into VOO or do I add to VXUS? I bought VTI as a kid and didn't know what I was doing. Will not be buying more. Any advice is appreciated. I don't want to sell anything or realize and gains just yet.
im fckin crying bro couldve put it in VOO SHARES and made like 8% but he bought OPEN1
Luckily you’re young enough to earn it all back AND MORE!! I started at 22 investing $500 a month, maxing out my Roth, and when I “made it” in my late 30’s I was investing up to $10k a month. Now I’m 45 and my portfolio is managed by Fisher Investments, WELL worth their amazing fee structure when they have given me 20% gains like clockwork, and even in 2020 and 2022 given me a nice 10% return. They manage about 70% of all my assets, but it’s substantial. The other 30% is split up evenly with $200k in a high yield savings account generating a SAFE 3.8% APY, $200k in physical precious metals (30% Gold Eagles/70% Silver Eagles that I started buying up 10 years ago when 1 silver piece was less than $10) that are literally in my safe and something I will pass on to my children $200k in my own Individual investment portfolio that I see if I can “Beat Fisher” with and I never can but it generates a modest 9-11% return $100k in Bitcoin, ETH, Solana $100k in “outside the box” investment opportunities like Fundrise which I had $50k in that turned into 3200 shares of VCX along with the max $10k purchase of unrestricted shares that I placed a limit sell at $500 and got 100% lucky with and made $250k, along with a Wealthfront AI “automated account”. You’re still VERY young!! But like one poster on here said you ARE gambling, and you need to RESET and get back to work investing $500 a month into VOO, QQQ, VTI, VT, SCHD, SPMO, just google the best ETFs to invest in. Do that until you’re 30 and let that shit continue to compound. Live a frugal life and try to up your monthly allotment to $1,000 per month. And lastly, looks at this as a tax harvesting moment where you will be able to use this loss over the next 10 years to deduct $1,500($3,000 if married) from your earnings. This was a lesson. You were doing the smart play but you got caught up on literally gambling. You’re fine, now get back to work and invest responsibly!! You got this!!! 🙌🏻💯
#Buy VOO and chill If you can’t move on from loses
Consider the loss tuition. Go back to buy and hold and keep adding funds every paycheck (like 10% or so) and you’ll eventually recover and make new highs. You should recognize that most people here are day traders and only 3%, roughly, are profitable. (Source: https://www.newtrading.io/is-day-trading-profitable/) Also note that most people here are playing with money they can afford to lose. These types of market trades are not 100% of the portfolio. Also know that very few paid financial advisors beat the market either. Specifically, active U.S. large-cap fund managers versus the S&P 500—the percentage that beat it is usually a minority. In S&P’s latest SPIVA U.S. Year-End 2025 report, 79% of active large-cap U.S. equity funds underperformed the S&P 500 in 2025, so only about 21% beat it that year. Over longer periods, the numbers get much worse: 89.93% underperformed over 15 years, meaning only about 10.07% beat it, and 92.89% underperformed over 20 years, meaning only about 7.11% beat it. On a risk-adjusted basis, only about 1.39% beat it over 15 years. (Source: https://www.spglobal.com/spdji/en/spiva/article/spiva-us/) What I’m trying to convey here is that if you believe you can crush the market and make outsized returns you’re against very high odds of failure and if you succeed you’re in the very, very small minority. You shouldn’t be suprised you lost a lot of money when you put your entire account into options and crypto without a solid strategy that has been tested and monitored. The really only thing I have personally seen for long term survival on an entire portfolio is to have the majority, if not the entirety, of the account in a balance between stock indexes and bonds and rebalancing mechanically, usually every quarter. If you’re not willing to learn this, usually 80% stock index like VOO or QQQ OR SPY and 20% bonds like AGG, the just buy and index (or mix of indexes), add money every paycheck or month, reinvest the dividends, and stop gambling. If you still want to swing for the fences with options, then separate out a small portion of the portfolio (5-10%) and gamble with that. But if you have to be willing to take the occasional win and pull some profits and feed the money into the long term portion of your portfolio. If you’re like most people I know, you’ll learn after 1-2 years your gambling is a lot of work, a burden, a time sink, a tax burden of your not in retirement accounts since you can only write off 3,000 a year in losses but have to pay tax on all your gains, and results in underperforming the long term positions and just give up and stick with long term position trading and living life outside of staring at candlesticks 16 hours a day. And if you really do find you’re addicted and can’t stop and can’t stick with long term holds, then look of Gambler’s Anonymous in your city and go to a meeting and find a sponsor. Hopefully you’re not at this point yet but only you can determine that. Good luck.
The funny thing is that I only knew about dips once I owned a share of VOO. That’s when the benchmark starts and you pay attention to even know movements
The meme stocks are going to go b a n a n n a s once this shitstorms calms. best to devote 10% cheap otm calls on everything and hope you catch a face ripper, while putting 50% in VOO/SPY and 40% in some bullshit dividend stock like O
Well if you had bought CVNA $460P EXP 6/18 the day I wrote it, you would have had made 170% by March 20, 2026. And even if held till now it still would have been a 60% return. Now not to be extreme that is better than VOO for me. But regardless you can do whatever you want:)
lol you do tons of research, do dissertations justifying your plays, and make a cumulative +3% ytd. Just buy VOO.
Absolutely, and he sold his $2000 of VOO, stuck it in his mattress, just waiting for the day he can turn his $2000 into $3000 and move out of mom’s basement. The end of 2026, the administration stops caring as much about the markets, loses congress, and turtles up in the white house. That’s my concern, but honestly I survived T1 and I will survive T2.
Just hold and hedge when the market drops over 15% like VOO then leverage 10% of position into leverage ETF then every time it drops 10% from that point increase position by like 10% from holdings in intervals. Leverage is your friend just don’t Abuse them lol.
I would put 50pct in Voo and 50pct in BRK.b. There is a magnificent 7 concentration in VOO if that trade unwinds will take time to get back. Berkshire is defensive with cash and that will go up if that happens. My 2 cents
Sell everything, put the money into a savings account at .01% interest and wait for ticker VOO to drop to about $7.00. That number it’s important. When it gets there, pounce!! And profit! This isn’t even a $hit post. ROFL :-/
ATH - All Time Highs I would try to minimize time out of the market, personally. If it dips between cashing out of the old fund and buying into VOO, you could get lucky and make some additional gains. Or it could continue to climb while you're sitting on cash... In 20 years, whatever the difference is will likely be barely noticeable anyway.
My VOO up AH . Time to load up on calls for open
How are you comparing to the VOO and chill crowd?
It is about time horizon. For young people in their 20s, faithfully invest x dollars a months into core ETFs like VOO, QQQM, VWO, VEA, etc., and never sell (very simple). And with very high probability, they will retire comfortably.
Your comment misses a main point of why this happens. When you are buying the market, we'll call it SP500, you are buying a basket of elite companies that collectively have over a trillion dollars in profits each and every year and pay over $500b in cash dividends each and every year. These numbers trend up over time, which is why the index trends up over time. "Bad" events happen all the time. Yet many of the top weights in SP500 have performed well over few to several decades. They are durable and resillient; they don't break or go under. From that perspective, why does it make any sense for this basket to collectively lose 25-30% in a short amount of time? It doesn't. Professional traders might move money around and cause volatility. But you as little retail have no hope to mirror their moves as you a) don't have same access b) don't have same speed and c) don't have same knowledge. I sat on my VOO and QQQM through March 2025 and through March 2026; as I have for past 20 years (then SPY and QQQ). I've come out higher each time, while so many struggle each day with what to think and do. It's only a game, when you decide to make it one; but historical charts show the index goes up over time and data (increasing profits/distributions) backs it up. If a catastrophic event occurs that deals substantial damage to the value of these companies, more likely you aren't worrying about the value of your portfolio. Just look back to the global pandemic - everybody staying home, barely hearing or seeing any cars on the road; and yet while some companies were crushed by these circumstances, others flourished. It will be same for the current oil shock.
I do not reason market move. VOO longterm anyway.
Should I buy 10k VOO? As the title states, should I buy 10k of VOO today? I did buy some end of March, but I have 10k sitting in my fidelity account to use. I plan on it all going in my brokerage account. I know you don’t look at short term and I don’t plan on touching this money for a very long time. (I’m 28) I know it’s at it’s high, so should I wait to see if it drops a bit or put in 10k and forget about it? Thanks
I heard my wife’s cousins (20-23) talking about meme stocks during the GME craze. I wonder how they did during that phase?! I know I only bought your basic bitch VOO and held.
Every so often certain funds like SPY or VOO rebalance their holdings. Right now they are adding more Semiconductors and holding less of the Mag7. Just look at sandisk for example it has skyrocketed Google went down.
You've heard about SPY 700, but have you heard about ***VOO 700***???
That's a brutal lesson to learn, but the fact you're owning it and have a solid VOO foundation already puts you miles ahead. The sting will fade, and that discipline you built to save in the first place is your real asset moving forward.
Yes sir! Price of admission. Next time put 90% of it in $VOO, don't touch, add every month, and then play with 10% with whatever you want. Rinse and repeat every year if you feel the urge, but don't "invest" with more than 10% of your take. I've lost a lot more than you, you are young - feels like a lot now, but just work hard and get off stocks for a while.
If it makes you feel better, if you just stuck with your plan and kept in VOO you actually lost more like $50k.
yeah most people don’t reinvest 100% of profits, they usually set aside around 20–30% for taxes depending on their situation, especially after gains from something like VOO. A simple move is to keep that portion in cash or somewhere low risk so market swings don’t mess with money you’ll owe anyway. ssome do keep it invested, but that adds risk if it drops and you still owe taxes. Treat it like a bill and skim it off right after taking profits. yu can also track your gains and tax set-aside easily with Trylattice.
Time in the market beats hoarding cash. Unless the world is fallen apart. Just hold VOO, if there’s is a drawdown buy UPRO
Ai lemme stop laughing at the comments(I also js lost money on tennis) But you should just do what u did to get the 30k before the gambling. keep reinvesting into VOO. If ur 23 and already had 30k invested chances are u can do it again in a shorter time especially with this bull market
I think if buying individual stocks is a hobby for you, then you should stick with it. If the return is the most important thing by far, then you should sell and buy VOO. Up to you really
Far worse than that for retail day traders, but not good for institutions either. There's a reason fuckin VOO alone beats 90% of active funds
Cash is trash. If I need money I borrow against my VOO
At 23 you could just max an IRA every year and be set for retirement. If you retired this year at 65 and started at 18 maxing out IRA and just putting it in SPY or VOO you'd have like $5M now. Couldn't be easier. Read The Richest Man in Babylon.
Fuck all that shit I say run it 9:45 that's the 1st 15 min 🕯 it closes green 5k on atm /just itm calls spy,spx,/ES spx hold till close after it moves your way throw on a trailing stop at 10% ish or just stare at ir all day ready to mkt close if it slows down or watch the $VOLD on a split screen if it falls close its been pumping 5 min before close tho so if you play cash settled index you can just let it close and tis over woulda made bank today or do that other gay quitter thing or put it back in VOO and keep adding shit you were happy doing that so what you made a mistake you tried something new and it went badly o well this shit isn't a crisis you need counseling for i was addicted to herion for 10 years that's a fucken crisis every day but bro you'll get it back way faster stable investing in your voo then just pulling out you know that you got your ass kicked so what at least you fought dont change schools cuz you lost one fight that will only fuck you up more have some heart give it time if you want to fuck with options then only use what you can loose 500 1000 you know hits you can take if you loose dont add till your long term port is up to where it was when you first pulled also dont take my advice I was addicted to HERION for 10 years I know nothing about addiction LOL I am learning options too I have a system I fallow tho I started badly but I only han 1000 or so to start now I have 700 ish its been three months soon as I stopped thinking about money and started thinking about my plan it started working if a trade is moving against me I close at a small loss ASAP or not moving in 2 days no maybe it'll turn shit its kinda boring and grindy like leveling up on some rpg's but it works find a group who knows wtf they are doing learn from taking their trades dont guess idk I just hate to see ppl quit something that can make their life better and damm that shit hurts your pride to just give up and watch others make it look easy you can do it if you want but you gotta get some discipline thats what I think 🤔 peace and God's luck my friend
I earned 27 % in the past year and VOO earned 29. Pack it in? I'm thinking yes, but another part of me says well Microsoft, Amazon and Nvidia haven't really popped yet..... Obviously, VOO and chill is less stressful and time consuming. So there is that. What do y'all think?
You cope by selling all your crypto before it runs back up the hill, and what the hell is VOO?
Those were 255.88 VOO shares right there just vanished
It’s good you went through this at the earlier stages of your life. Learn from it. Just VOO and chill from here on out.
Depending how much you're ahead, throw that money into HSA and/or IRA. I tend to go with high deductible health plans that allows for an HSA contribution. After adding up premiums deductibles and max out of pocket and the tax benefit of HSA contribution I've always come out ahead. Even during bad health expense years. I put the HSA money into VOO it has grown to the point where it pays for all of my out-of-pocket expenses. I tend to keep about 2/3 of my max out of pocket health insurance expenses in cash in the HSA account.
Put the 70k into VOO. Gamble that $109.02 back up
Create a realism photo of me. I’m 23 and accumulated 30k through hard work and investing in VOO. I never gambled and I know what I’m doing.
Markets are forward looking mostly, once the initial fears or greed passes. its a market of stocks and alot of the individual stocks are still doing very well and are expected to continue doing well. Despite headlines, the economy still seem fairly resilient, if you go through the recent big bank earnings, they all talk about consumer resilience. yes there is a K shape but honestly, if you recall the chart showing the top 10% of income earners account for 50% of spending, the sad truth is that the bottom percentile of consumers who are struggling do not really matter to the economy and to stocks. Been saying it, macro news has been a poor indicator and investment strategy, focus on the individual companies if you want to do individual stocks, else just dca into VOO and chill
You’re young enough that 28k won’t mean much in the several decades of life you likely have left to live. Totally get how it feels really bad right now. One of the things I fondly remember hearing somewhere was how most of the wealthiest people are not just trying to make money, they’re trying to avoid losing it. Take caution in the bets you make. VOO is a good one. No need to chase the highs that others are allegedly enjoying. After all, their time will likely come as well. Few people are capable of amassing great wealth. Even fewer are capable of maintaining it. In other words, it’s a lot easier to make money than to keep it.
Thanks for the reply. Presumably if in VOO and it doesn't crash when you go to sell for taxes, the growth in VOO will cover the taxes.
1-800-GAMBLER. But seriously, just go back to investing in VOO & Chill. Never do options again.
There’s no free lunch I just wanted to see what the cost would be if I pretended to be more sophisticated. Yes I understand risk parity portfolios as well and out of all options that would have been potentially the lowest performing options especially had it been bond allocation and done for a long period of time with older age etc. I just found it interesting that an “appropriate” hedge for a large portfolio size will still be rather costly. It’s sad to see but truly the folks that sat and did nothing with a non risk parity portfolio that is 100% VOO etc does better than folks that “thought” too much about current events. To me this market rewarded brain dead passive investors and boomers that took absolutely no care or thought at all about downside risk. To me I couldn’t stomach it but I know others that did. Ignorance was truly bliss.
Set aside the cash you’ll owe for tax. Put it in HYSA or SGOV. I suppose you can put it in a broad index like VOO too but you then count on no crashing, and if it does go up when you sell to pay tax you incur more tax.
Ik it feels like the whole world is crazy and you feel like an idiot for punting 30k, but you’re super young and have so much time ahead of you to start properly investing. Put your heard down and go back to your roots of saving and buying VOO and I bet you will outperform all the peers who you think are doing better than you. You got this. Building wealth is simple and boring
Honest advice. You need to force yourself to look at your losses. Grab pen and paper. List all the reasons why your positions failed. List all the reasons why you made those decisions. Then explain each of those points on detail on all of your trades until you have bare minimum clear and unavoidable rules to continue trading. If for any reason you are unable to follow any of those rules or the rules do not limit loss/provide profit as they should go back to revision. Some do this process with one simple logical step and end up on a boring investing strategy (no options, no trades just VOO and chill) , which obviously works, specially compared to their degenerate previous gambling. Losses are perfectly fine as long as you do rigorous work and learn from those mistakes so that you never do them again. If you refuse to do it you should just admit to yourself that you are a regarded gambler and the problem isn't about the stock market anymore right, it's something else.