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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
No more trading for you. This will suck ass, but you can still claw your way out: Work, invest 75% in $VOO & 25% in $VPU, set both to DRIP & don't look at it or jack with it (hopefully your name isn't Jack). Learn Lean methodologies & live Lean. Come back to r/WSB & post a screenshot when your account hits $100k. Long & tedious, but do-able.
market's down 10%? VOO is down <4%
I looked back on how much money I threw away and compared it to what I'd have if I just sat in VOO. Disabled options, sold all my individual stocks, went 100 pct index. Now I have money.
It’s not like they’re all VOO and chill. If you look at the big hedge funds - some focus on long positions, some focus on short, some do commodities, some distressed debt, fixed income. There are all kinds There are the kinds that work on making a tiny bit profit front running volatility. It adds up. They know shit about where to be long in 2 years, they pay robinhood for trade data before it executes, they’re really good at just making money that way
At least it wasn't much to begin with relatively speaking. Stop being retarded, get off this sub, start grinding out some real cash and put it somewhere boring like VOO or VT till you get your shit together. Don't try to gamble your way back.
Bro. Quit blaming others. If you just bought VOO, your $100k would be at least $150k depending on when you bought. You tried to gamble. You wanted it the easy way. And now you're paying the price. Pick yourself up, earn it back, and stop gambling. The market giveth
Stop trading options then dumbass, just buy VOO and do literally anything else with your time. Just goon bro or go fishing, lift heavy shit or literally just become an alcoholic. All of those would save your money and stress
That sucks but life goes on. Work and make that money back and stop touching options. Just VOO and chill. $100k isn't a small amount but you'll make that back eventually.
Some great fundamentals for ya OP. VOO is up almost 15% over 5 years. Welcome to index’s funds.
VOO is up 14.4% over 5 years. OP is certified Retarted.
He can just not go on Reddit. This is on him. OP stop fucking gambling with options. Many lives have been destroyed from it. Get back to 0, and put everything you get in the future into VOO/QQQM and don’t stop for 20 years. NO MORE OPTIONS!!!
Why would you gamble everything? People go on Reddit, read a couple of posts and assume they know this stuff. Why wouldn’t you just take your money out it in VOO or an index fund and just let it sit ? It’s not trump’s fault your short didn’t work, even on this sub, people constantly call out that shorting is an extreme gamble
When the markets are frustrating and down for some prolonged period of time, I just focus on my ETF holdings. This country is organized around the idea of making money, so it can’t go down forever. May as well throw my money into something I know will bounce back with it like VTI/VOO/etc.
VOO and chill has never been more valid than now
OP— the general rule of thumb this comment is conveying is that “safer” stocks usually refers to a diversified portfolio of multiple stocks. The key is to not put all your eggs in one basket. Individual companies come and go - but broadly, the US economy has generally prevailed. The idea of VOO is to index the S&P 500 and spread one investment across the whole market. Given you have so much in cash and are going to put a significant amount of your wealth in real estate (which btw creates a significant geographic investment concentration and adds debt risk), you need to be in the markets to maximize your return. One final aphorism: there is no such thing as “safe” when it comes to investments. You receive a return because you’re taking a risk. Just be aware there are calculated risks and there are stupid gambles. Understand what you’re investing in, and be patient!
Sold 50 shares of VOO on this stupidity bounce in the 401k. Gonna accumulate more lower later this week/month
First dip always feels rough, especially going from +6k to red. But if you’re in VOO/QQQ/GOOG, those are solid long-term holds. The key is ignoring short-term noise. I also diversify (Fundrise VCX + index funds) so not everything rides daily swings. Staying invested is the hardest part.
60% VOO, 20% VXUS, 20% QQQM, you're double-weighting tech since those giants are already in VOO. I went a different direction: IVV (S&P 500) + non-US equities + gold + BTC. Less overlap, more genuine diversification across asset classes, not just geographies.
Bro I make a scheduled purchase of $4500 of VOO on the 25th of every month what are you on about
There’s an 88% overlap between VTI and VOO. It’s slightly more diversified, but not by much.
> I guess Im not sure what the alternative is? Adjusting your asset allocation plan, tilting towards value, considering index methodologies other than simple market cap. Even laddering TIPS bonds. There are a lot of opportunities outside of the *Church of VOO and Chill* that are still index based.
I threw 20k at VOO in April. Sold at Christmas. Seems like April is coming around again, might as well throw 20k at VOO and sell at Christmas again.
All VOO and 1 share of QQQ
At the moment in pre-market, VDE sits at 3.71 + and VOO sits at -2.25 on 5 day chart. So Energy is outperforming it right now but let’s see.
Good idea most of the time but not great when there's an obvious crash on the horizon. By the way, when did people start stanning VTI over VOO?
The advice is, ignore the news and keep investing. Don't try to time the market. You are in this for a long haul. Ignore macro events like this. The worst that happens is you go negative for a bit, all the while buying VOO as it drops under your cost basis and averaging down so that when it is at ATH again (which it will eventually be) you are up even more than before. If you are 24, you have plenty of time to wait it out.
I would absolutely agree it is very subjective and would consider sophisticate automated trading companies to be gambling as well the fine distinction that they function more like the house at a casino. I think there is a fairly clear their is a spectrum, but retail trading ODTEs is fairly far towards the gambling side just as Lehman Brothers massive exposure to highly leveraged 30:1 to sub-prime mortgages was. Than towards the other side you high frequency arbitrage trading and Market Makers that don't want directional exposure as the house. Pure MM's post bid and ask, collect the spread, hedge risk, repeat and their 'rake' is the distance of the spread. Even they can get caught off-sides by the speed and discontinuity of volatility as they are contractually and regulatory obligated to maintain continuous two-sided markets in their assigned securities. They can buy or sell underlying to manage underlying price action in relation to their delta neutral position, they can raise but at a certain point all they can do is aggressively widen spreads to the point no one wants to trade them at the prices, effectively removing their liquidity until spot price stabilizes within a tighter range. Oooor, in extreme conditions, they get forced to maintain tighter spreads and absorb inventory risk they can't fully hedge. They can end up forced to hedge by selling shares into weakness or buying into strength. Accelerating direction. They trade structure instead of predictive direction and even that can go wrong. Than you have the 'best' hedge funds like Bridgewater, Renaissance, Citadel who are using their positioning in the markets akin to managing models based on the uncertainty of risk. Basically trying to arbitrage a better risk/reward than the rest of the ~~liquidity~~ markets. They leveraging their tool-set to literally price risk better than their counter-parties. For instance something like Bridgewater's All Weather Port by Dalio is driven by the core idea that economic environments cycle through combinations of: Growth rising or falling / Inflation rising or falling. He's betting that his categorization of how asset classes respond to economic environments is more accurate than the market's current pricing of those relationships. Citadel has a more quantitative core to do similarly. Than you start moving more into investments and risk at the other end, like holding a 20 stock portfolio, or being all in on the US with VOO, or an ETF boggle-head 3 fund portfolio. Not making a moral judgment, just saying 0dte's skew heavily towards the gambling side based on risk/reward. ODTE's are about applying the correct amount of capital at the right times, for the right reward which reminds me an awful lot like playing holdem well to me.
Advice: VOO is on sale. Buy more!
My theory - automatic broad ETF buys a la VOO
Well, I’d say between those 3 tickers, you are extremely tech-heavy. VOO’s main weights are the M7. QQQ is very tech-oriented. And then you’re holding GOOG, which is a main holding for both. The problem with tech in this environment is that their earnings multiples will get compressed, no matter how much you like tech.
lol I’ve lived through 5 US Wars, if this one is the one to end it all, stocks are the least of your worries. Normal $1,000 split with VOO/DGRO/SVOG tomorrow like every second to last Monday of the month.
Yes, you should definitely end your trading career and start putting the fries in the bag. You're 19 so plenty of time to rebuild your equity and "VOO and chill".
I slept with a very attractive thick Latina (fit not fat) yesterday. AMA We thinking the market is going to tank tomorrow? I was kinda kicking myself for hitting my VOO stop loss at 598 when he rebounded EOD but it may have saved me
For long term investing, I'd recommend a "Boglehead" portfolio. Take a breath: this is actually really easy. It will involve 3 investments (3 things you buy). You don't need to manage 20 stocks or anything like that. The portfolio will include: 1) STOCKS / BONDS. 2) Within the STOCK portion, you want USA Stock / International Stock. Common ETF's for this would be VOO / VXUS. VOO is the S&P 500; the 500 largest USA companies. It represents the US market. VXUS is thousands of international stocks, with zero US stocks. This diversifies you. You have to choose an allocation. A sensible beginning allocation would be around 80/20 (US/International). 3) Bonds: you would pick a bond ETF like BND or VGSH. You have to choose an allocation between stocks and bonds. Bonds are generally much lower return than stocks, so for long term investing, people usually recommend less bonds, with a gradual adding of bonds as you near your retirement date. So for stocks/bonds you could do 100/0. But I think 80/20 is fine. IF you want to keep things exceptionally simple, it's hard to go wrong with a 3 fund that looks like this: VOO/VXUS/BND 60/20/20. It's not romantic. People will tell you that you could optimize for higher returns. But 60/20/20 is a very sensible portfolio at any age. You would probably do better than 80% of all investors with that portfolio, and you don't even have to think about it. 4) If you want to set aside money for more near future (5-6 years), you should put THAT money more towards bonds, money market, etc. Your return may be lower, but you don't want to gamble with money you need in 5 years. Stocks (VOO/VXUS) are absolutely gambling if you are dealing with short time spans (5-10 years). Stocks are not gambling if you are looking at 10-30 years (the longer the horizon, the less of a gamble it is). 5) You need to learn about account types: Roth vs traditional, 401k vs IRA vs taxable brokerage. Accounts are just vehicles that you buy investments within. In other words, you could have roth IRA, a traditional IRA, and a taxable brokerage account, and ALL of these accounts could hold your VOO/VXUS/BND portfolio (or something comparable). 401k/IRA are RETIREMENT ACCOUNTS to be used to game the tax system in your benefit. Taxable brokerage is an account that doesn't shield you from taxes, but allows you total freedom to add or withdraw as you please. The biggest issue is that 401k's don't always have the exact investment choices you want, and may have higher expense ratios than other choices. If you get employer matching, you should ALWAYS contribute to that match, no matter what (free money; literally stupid to not do it). Just pick whatever investments they have that approximate VOO/VXUS/BND (they all usually have something like this). Go slow, learn a little at a time. Outside of all the above, if you want to, you can learn about investing in individual stocks (which is what this forum focuses on). Most folks who try to pick individual stocks will do worse than if they just bought VOO/VXUS, as we discussed above. So newbies should always start with the basic VOO/VXUS, and only add on individual stocks if you are bored and want excitement. Don't rush into it - it's not necessary to ever buy an individual stock, and if you don't know what you are doing, you'll just worsen your performance. Good luck\~
VOO, VTI, VXUS with repeat contributions and chill
Just some of the VOO dough in QQQM plz
You're doing such a good job, especially researching and asking for advice. VOO is a great long term investment. Markets go up and down. We might be in the down part for weeks, or months. Maybe more. Or maybe we'll rally and all have a good 2026. No one knows. If you make no money, or even lose money this year, don't be discouraged. It's normal. If you work up to $1000 this year invested in VOO, you'll likely have about $130,000 by the time you are 65 (which will feel like $31000)... Without saving a dime more.
im 14, i live in usa, I dont make an income, I want to get financial freedom as an adult and never make money a problem for any thing, and hopefully become a millionaire. Time horizon is a while ill be investing my whole life but id like to be able to withdrawl some money in my 20s but mostly long range, risk tolerance is medium id like to have the boring cash generators warren buffet sytle but id like some small semi risky plays that are calculated correctly, I’ve been interested in stocks for a few months now, and I already know the basics ( credit, interest, ETFs, index funds, head and shoulders pattern, uptrends and downtrends, blue chips, REITs, bonds, gold, etc.). But lately, some people have said that the AI bubble will pop and that having VOO is a risk because the top holdings are heavily concentrated in AI and technology rather than being very diversified. I’m wondering about your takes and also what stocks I should get next. I currently own $689 worth of stocks. (I know it’s very little) I have: 1 share VOO 0.12 Alphabet 1 share SCHD .27 FSELX 0.02 QQQ So yes, I have fractional shares💀 But anyways, I was wondering what to buy. I will be getting around $ 740-840 to invest and was wondering what to do with that money. My parents don’t know much about stocks. They say they do, but they really don’t. My father couldn’t even explain to me how to do simple technical analysis. I’d really like to find a way to make an income, even a small income, so I could put thousands in my account. All of my savings go to my stocks. My top choices right now are Berkshire hathaway b Chevron possibly, exxon mobil is too corrupt Coca cola Nvidia VOO but i want your take on it SPDR SPLG QQQ META but skeptical cause AI UBER People have said oracle but I dont know about this ai bubble stuff And my friend suggests COP Maybe a fidelity fund And I probably should diversify to other sectors like agriculture or oil companies, renewable energy may be a new one
Buy and hold VOO for the next 50 years. You’ll come back to this sub and be in the millions at that time
Owning anything at 14 is impressive. I wouldn’t stress too much about what, VOO is certainly fine for your timeline.
You say as if you know that MSFT will keep being a top contender forever. It’s a much better play to buy VT or VOO and hold
The dirty secret of investing is that most people who stress over individual stocks underperform someone who just dumps money into VOO and forgets about it. You're not stupid for considering it, you might just be ahead of most people.
Buy VTSAX or VOO , dca and chill
I just buy a fixed dollar amount of VOO every other week and never look at the stock prices.
im 14 and in the usa, time horizon is a while like a while I’ve been interested in stocks for a few months now, and I already know the basics (compound interest, ETFs, index funds, head and shoulders pattern, uptrends and downtrends, blue chips, REITs, bonds, gold, etc.). But lately, some people have said that the AI bubble will pop and that having VOO is a risk because the top holdings are heavily concentrated in AI and technology rather than being very diversified. I’m wondering about your takes and also what stocks I should get next. I currently own $689 worth of stocks. (I know it’s very little) I have: 1 share VOO 0.12 Alphabet 1 share SCHD .27 FSELX 0.02 QQQ So yes, I have fractional shares💀 But anyways, I was wondering what to buy. I will be getting around $ 740-840 to invest and was wondering what to do with that money. My parents don’t know much about stocks. They say they do, but they really don’t. My father couldn’t even explain to me how to do simple technical analysis. I’d really like to find a way to make an income, even a small income, so I could put thousands in my account. All of my savings go to my stocks. My top choices right now are Berkshire hathaway b Chevron possibly, exxon mobil is too corrupt Coca cola Nvidia VOO but i want your take on it SPDR SPLG QQQ META but skeptical cause AI UBER People have said oracle but I dont know about this ai bubble stuff And my friend suggests COP Maybe a fidelity fund And I probably should diversify to other sectors like agriculture or oil companies, renewable energy may be a new one
hey, first off, it’s awesome that you’re starting to think about investing at 27! honestly, a high-yield savings account is cool for an emergency fund, but you might wanna think about putting some of that extra cash into a retirement account. if your job offers a 401k with matching, definitely take advantage of that! it’s basically free money, and you want to at least contribute enough to get the match. as for a Roth IRA, it’s a great option if you want tax-free growth and flexibility later on. you can pull your contributions out anytime without penalties, so it’s not like you're totally locked away until retirement. and yeah, “VOO and chill” is a solid strategy for long-term investing. it’s an S&P 500 ETF, so you’d be investing in a bunch of big companies all at once. you could do both: fund your 401k for retirement and throw some into a taxable account for more flexibility. but tbh, just start somewhere! even if it’s $100 a month into a Roth or VOO, you’ll be glad you did down the road. good luck!
Probably VOO. But it’s going to 400s or so
Everyone who makes these type of post would be better off just buying VOO.
no, you're wrong. 98% of professionals did not lose to VOO after fees and/or taxes.
Using 12% for the average return is a bit optimistic (I know you're using the historic average of VOO/S&P500), but it doesn't even account for inflation lol... A common projected return is like 7% because then that's estimating 10% for VOO and subtracting 3% for inflation, resulting in \~166k in today's dollars after 30 years. Big difference lmao
Well, for starters, the old "past performance does not predict future returns" adage applies. VOO is just the SP500, which has been a strong performer, but it's completely concentrated in large cap US companies. VT includes international and smaller cap companies. VT has underperformed relative to VOO largely because international stock gains have been modest for over a decade. Maybe the SP500 continues to out perform, maybe it doesn't. People are betting that given the political instability currently existing in the US, international stocks may have a run, and VT gets you much broader exposure. It's a very simple way to sort of get exposure across the board. Reward has been higher in VOO, but risk is also higher, given the relative lack of diversification.
Doing the same as I always do, $2000 a week buying VOO and chill. People panicked in April, people panicked in 2022, set it and forget and hopefully in 25 years it all works out. If it doesn't work out I think I'll have a lot more things to worry about than my portfolio
VOO and chill for a while while you continue to research as you can always relocate pieces into specific names as you find opportunities
If you were to not have lost this $7k and instead put it into VOO and only contributed $100/month for the next 30 years you would have $500,000. Congrats regard, you just lost $500,000.
I have a set schedule for investments (same $ amount every week, how that gets allocated depends, but mostly VOO(90%) and a basket of semi stocks). I'm young enough that the dips should work out in my favor, and id rather do it this way then trying to catch the knife.
Learn to invest. Start with VOO Read. We are living in the AI field. You could learn in a weekend enough to create millions.
Is there some sort of mutual fund involving VOO or anything else reliable? I heard that mutual funds are safer and a good investment around this time. I was able to make a profit from selling individual shares recently, especially VOO but the volatility of individual stocks lead to me not buying more once I sold some since I wasn't willing to risk the gains.
I was going to say I think AGTHX has performed pretty decently, but yeah probably long term just chilling in VOO would outperform from the fee drag
Real talk, have 90k to deploy for long term (VOO). Already put in 20k over the past 2 weeks. When the rest?
Dollar cost average into VOO until you have $10K invested. Then you can worry about picking individual names.
Me too still 20 years in the market. $1k / wk VOO and if I have extra cash I buy the dip!
I’m curious on this. VOO has a better Sharpe, alpha, max drawdown, and upside return in relation to the index. So why VT over voo?
I’m curious on this. VOO has a better Sharpe, alpha, max drawdown, and upside return in relation to the index. So why VT over voo?
The S&P500 does not have fees, and it does not pay taxes. Investors have to pay both. Even investors 100% invested in VOO. So investors would have to generate a lot of alpha just to keep up if we're factoring in taxes and fees. Hope this clears it up!
98% of professionals lost to VOO after fees and/or taxes.
I’d DCA VOO and then continue to consistently contribute through the highs and lows.
I think you are misunderstanding account type for investment type which makes sense considering you are relatively new to investing. Roth IRA, 401k, Traditional IRA, HYSA are all account types. VOO is an investment inside an account that allows you to own all the largest 500 publicly traded companies in the USA. It is diversified because of how many companies it covers. An HYSA account doesn’t have any investments in it. It’s just AMEX giving you a percentage of interest paid to you. They do this because they can earn more then they give you and lend your money out to other individuals who pay them a high rate to use your money. That amount is called a spread and is the amount they earn minus the amount they pay you. You should definitely consider moving that money to a brokerage account or a retirement account and invest in an ETF like VOO. On average over a long time period VOO should earn you approximately 10% which is much higher than the rate you are getting on your HYSA (which barely outperforms the rate of inflation). As for your company you should find out ASAP if they offer a 401k and how much they match. If they offer it and have a match percentage you are truly missing out on free money they will give you that free money that you can invest for retirement. Each retirement account has certain investments they will allow so once you make sure through your employer that it’s set up ask the Human Resources person at your company which financial firm manages all their 401 accounts and you can contact that firm to find out what your investment options are. I would focus 100% first on contributing to a 401k at least the amount your company will match. The next best step is more personalized about how you feel about having student debt. Since VOO on average over the long haul will gain 10% a year if the interest rate you are paying is less than that it’s (in my view) ok to just make the regular loan payment and invest any extra amount you have each month (and can afford) into a brokerage account in which you can buy investments. If the interest you are paying on your student loan is more 10%, then I would try to pay that down first before opening up a brokerage account. I hope this helps. Investing can be difficult to understand but it’s great to see you are taking steps to learn about investing and go about doing it. Good luck with your investing journey.
VT has a broader selection including international with VOO being a narrow US only. Risk/Reward is different so depends on your own preference.
The top comment is VOO and chill. I think the problem with forum polling is you get good and bad advice. If you want safe, VOO is about as safe as the us economy as a whole and that's not an opinion it's the basis for the index itself.
the overlap between VOO and QQQM is real but it's intentional, not a mistake. VOO is already like 30-35% tech. adding QQQM is a deliberate growth tilt, not an accident. you're essentially saying "I think large cap tech outperforms over the next 20 years." a lot of people do and it's a defensible bet. The downside is what happened in 2022 — Nasdaq dropped 33% while the broader market dropped less. with this portfolio you'd have felt that harder. if you can hold through that without panicking it's fine. VXUS at 20% is a mild underweight vs global market cap (\~40% non-US) but totally normal for someone US-tilted. Overall this is a coherent portfolio not a chaotic one. the simpler version is just VTI+VXUS but yours is fine too. If you want to dig into what's actually inside each of these and how they compare on holdings/fees: [wealthiq.co/best-etfs-to-buy-2026/](http://wealthiq.co/best-etfs-to-buy-2026/)
So true just buy more VOO tomorrow when it dips and wait a week lol seek it lol and repeat lol
Only invest why you can. If you can invest the first thing you wanna do is max out your 401k. If you do that ‘voo and chill’ in a brokerage account. As you’ve said you don’t understand that and when I started I didnt either. VOO is a ETF by vanguard a company involved in the stock market. VOO is one of the most popular ETF that tracks S&P 500. ETF are comprised of lots and lots of companies. (VOO might be around 250 I’m not sure) ETF like VOO is good because let’s say Microsoft under performs. Though if Apple and nvidia both over perform that day you will make money. Which is why you can chill because you won’t have the stress of an individual stocks. Hopefully that answers some of your questions.
Decide how long your time line is with-a percentage of your cash. If you are comfortable with 10 plus years with a percentage of it ,buy in over time in tranches.For relative safety invest in vanguard index funds as their rates are some of the lowest in-the industry. I would agree VOO is very heavily weighted with AI stocks ,therefore would buy only some and only on a dip(15% or more off from the high ) ,diversify with VT,VTI and a vanguard value stock index . Also buy in on dips of 15% or more , off the high . It’s not guaranteed it will drop this much , but all the indexes are overbought and correction time is due and with geopolitical factors being what they are , likely to drive indexes down further . Diversify. Synchrony Bank has a 4.1% cd for 14 mos . Just tied up a significant chunk that I will not worry about and can sleep at night . Will buy into the market on broader dips, 15% down from highs, and more if 20%. Buying certain stocks that are value and have fallen in the broader drop but still have good value. Looking at Canadian stocks in us index. Recently have bought BN,MAIN,NNN,VICI ,ARCC ,VZ (at 39) ,BEP (at 19). With the exception of BN have bought in retirement accounts. Others, let me know your thoughts on these. Open to discussions . I have a long watch list and waiting for fundamentals to line up to buy.
VT is much more diversified. VOO is 500 companies.
DCA VOO with a 52 week time horizon. In other words, buy $385 worth of VOO once a week for a year.
Yea pick an amount of money that keeps you comfortable to live and have access to in the bank and invest the rest. VIG, VOO, VTI. If you are afraid of losing money short term or timing the market it won't work.
No. Well I lied. Since VOO is 5% down, I’ll be buying again, but this is looking like the dot com bubble or worse with 0 things to be bullish on (apart from mass layoffs lol)
Go with the fidelity version of VOO. I also invest in their short term bond etf Basically since I’m on fidelity I only buy the fidelity 0 fee ETFs
That VOO will get you nowhere this year. YTD return is -5%. The 7 cheerleaders of 500 is really the overhyped AI companies. In my opinion, if there is no oil/energy the consumer sector is badly interrupted globally. AI has to take a break if infrastructure is badly interrupted. This year I will invest wisely by taking min risk. I added more in defense industries. Uranium may be good also. There is tremendous demand for alternative energy as many countries import 100% of oil/gas from middle east.
Normally VOO-style is not about timing entry price. It's about holding for decades and believing that even with some stormclouds on the horizon the USofizay is still a good gamble. If you need that money for a house deposit in a year or 2 then VOO could easily mean you lose money. But no one knows the future!
Wonder if the VOO and chill boys going to keep bashing in me when I basically called out a recession before end of decade?
I’ll be a contrarian and say this is not good advice. When Anthropic, OpenAI, and SpaceX IPO it’s estimated that the top 10 holdings will represent 50% of the index. VOO is already top heavy with the top 10 holdings representing 37% of the index. VOO is becoming more of a mega-cap AI bet than a broad market index. I recently sold out of VOO and created my own passive index.
Real talk, have 90k to deploy for long term (VOO). When?
VXUS is a good index fund that has the rest of the world. 70/30 VOO/VXUS split is one I use. It's growth oriented but balanced a bit vs 100% VOO that some advocate for growth. I have a bit of SCHD mixed in as well. Generally I think you want to set up your mix so that you are prepared for various market conditions but a lot of what you do depends on your age, goals and risk tolerance.
FXAIX is better than VOO
VOO, but also look into some good dividend stocks like SO.
U would be WAY more diversified and have considerably less risk if u put the money in VT. If u wanted to get a little more exposure to small cap and value, you could put 80-85% in VT and then 15-20% in a small/value etf. I like avuv While its very popular on reddit, Putting all ur eggs in an S&P500 etf like VOO is not the smartest things to do
Just to be clear VOO is the S&P 500. It’s a cap-weighted index fund tracking the same index that’s been tracked for decades. So when you say it “beats the market 90% of the time,” what market are you comparing it to?
Sit back and watch your nice dip form before your eyes! Typically has been a V shaped recovery so won’t stay at the bottom for long, but buying small amounts here and there to keep track until you plop the rest in. Either way, know you’ll never buy the bottom or sell the top. Things will be different in 2040 so adding through the years are important. Start with VOO and if you find interesting company’s pick up a couple shares. I find this game fun!!
Great position to be in at 35 — you've already cleared the biggest hurdles most people struggle with (emergency fund sorted, house down payment separate, solid income). Here's how I'd think about the $70k: The core framework: ETFs first, individual stocks later (if at all) For someone who wants to "grow money safely over time," broad index ETFs are the answer — not because they're flashy, but because they're the mathematically boring correct choice. Something like VTI (total US market) or VOO (S&P 500) gives you instant diversification across hundreds of companies. You don't need to pick winners; you own a slice of all of them. If you want some international diversification too, pairing VTI + VXUS (international) covers essentially the entire global market. Very solid, low-cost foundation. On mixing in individual stocks It can make sense to allocate a small portion (10-20% max) to individual stocks IF you're willing to do the research. The key is buying companies trading below their intrinsic value — what value investors call a "margin of safety." You want to understand what a business is actually worth before you buy it, not just what the market prices it at today. Most people skip this step and buy based on momentum or headlines, which is how they lose money. On timing with $70k Dollar-cost averaging (DCA) — investing a fixed amount every month rather than all at once — reduces your risk of buying at a peak. With a lump sum this size, spreading it over 6-12 months is reasonable and helps you sleep at night. Biggest caution: don't let perfect be the enemy of good. The biggest risk for most people isn't buying at the wrong time — it's staying in cash too long waiting for the "perfect" moment that never comes. Time in the market beats timing the market.
You're going to get a lot of advice that says plow everything into VTI or VOO, set it and forget it. This is unwise, given your statement that "I want to grow this money safely over time, not trying to get rich overnight." Sure mega equity exposure has given people the opportunity to harvest multiple years of double digit returns over the past decade and a half. But that's if you bought then. As veteran market participants like to say "past performance is no guarantee of future results." The zero real, and negative nominal interest rate environments that the Federal Reserve implemented along with massive increases in the national debt (decreases in the value of the dollar) had a lot to do with that. Could the market keep doing that for a decade? Possibly. Could it lose 50% particularly given the current geopolitical situation? Possibly. Could it take a decade or more to recover? Possibly. All these things have happened in the past. Given your goal of growing money safely over time, you need a diversified portfolio. Look at Harry Browne's permanent portfolio or the Golden Butterfly portfolio as examples. The former offers a 25/25/25/25 split that you occasionally rebalance. The latter is a 20/20/20/20/20 split. The one caution that I would offer about both is that they were developed in a time when US treasuries were almost "good as gold." Particularly long dated treasuries are not. My personal philosophy is given current conditions not to hold anything with more than 5 years to maturity. I certainly wouldn't hold anything more than 10. Best wishes.
excuse me, may I ask a question as well? I’ve noticed that many people tend to recommend VOO, and I was wondering why QQQ or SPY are not suggested as often. Last year, I sold my VOO holdings and moved my investment into QQQ and SPY. Currently, I have invested $10,000..
VOO is pretty resilient against single name shocks, even with the concentration risk. Microsoft, Tesla, Amazon, and Nvidia are down 21%, 18%, 11%, and 7% ytd. Apple and Meta are down 9% and 10%. VOO is down by less than 5%, not including dividends.