VOO

HugeAd5056

You’re 18. Stop gambling away thousands and learn to buy and hold index ETFs like SPY, VOO, and QQQ, or the international equivalents.

jigmepalmo

Yeah, doesn't matter much. They are both market-cap weighted so you're just getting a teeny tiny diversification of smaller companies with VTI compared to VOO.

YourChildhood5762

Equal weight S&P is outperforming VOO this year. If you were going broad, that was the place to be. Coming into it mid-year may produce different results though.

BeneficialLychee4380

Just throw it in VOO

Snoo_4496

may b the VOO and chill guys r right

SherbertMindless8205

This is the best thing that could have happened to you. Better to lose 4k at 18 and see it as the price of a lesson, than it be your kids college fund at 35. Everyone has to burn themselves, it's the only way to learn. Now go set up a monthly automated deposit into VOO and don't look at it for a couple years, go live your life, you'll thank yourself later.

B00marangTrotter

Someone worked hard for that money to give you a leg up, don't squander it. Your brain cannot calculate risk properly, that part isn't even fully functional yet. Passively invest in an index ETF like VOO and never gamble. https://preview.redd.it/6vnff9v319fh1.jpeg?width=1080&format=pjpg&auto=webp&s=acb43c67d7f02ea7a9cd5de1ac37522834ebb381

Competitive-Water944

The VOO and chill crowd would be in shambles with three down years in a row

vijay_the_messanger

SWPPX at ~$20. Serious answer. I buy SWPPX every week. And I already have a SPY and VOO position. (Started buying SPY, switched to VOO after i found the ER was lower, then switched to SWPPX since I'm with Schwab and it's even lower ER)

vijay_the_messanger

But what if OP gets hit BY a tank that has the letters VOO painted across it the day after yesterday?? See? THESE are the questions :-| LOL. sorry, couldn't resist.

edoceo

Check out the sub called Personal Finance. They will tell you the steps are basically: staring with HYSA -- High Yield Savings for the close-to-you-liquid-assets. And then pick your favourite broker and purchase some VOO, VT, VTI which are vanguard index funds. Stuff your money and your grandfathers money in there and then let it mature.

i_empathetic

This is why VOO and chill is popular. You're not as diversified as the index. How many industrials, energy, and healthcare stocks ya got?

VoidMageZero

Not too late imo, was thinking about switching VOO to RSP

Far_Land7215

Yup just invest 15% or whatever extra you have from each paycheck into VOO or something each week and never look at it until you retire or are about to become homeless.

Jenn2895

$5k-$10k is rough in 60s. But it’s a start. He/You are going to need to take on some risk to turn that amount into something meaningful. But this is your Gpa so you need to make sure it’s a conservative risk. I would throw it all into Chainlink, $Link & set a sell order for around $80. When that goes through move the $50k-$100k into something like VOO or JepQ.

FrenchFryNinja

Yeah. With the recent news I’m glad I went 60% VTI and 30% VOO

Informal-Lime6396

VOO: https://investor.vanguard.com/investment-products/etfs/profile/voo#portfolio-composition, check out the holdings and exposure diagram QQQM: https://www.invesco.com/us/en/financial-products/etfs/invesco-nasdaq-100-etf.html#Portfolio, see the holdings Buying these 2 are a good idea. Use https://testfol.io/ to back test what you would've gotten in the past 10-20 years to get a rough idea what the future ***can*** look like. Here are some other tickers worth looking at: * VGT * SOXX (or SMH) * VXUS * VT * VOOG

Stock_Cake_5889

So I've been putting small amounts into fractional shares for a few months, mostly just buying whatever looked good that week, and I finally sat down and looked at what I actually own. It's a mess. (side note: I am using Robinhood) **Current holdings:** |Ticker|Shares|Price|Value|%| |:-|:-|:-|:-|:-| |SMH|0.127803|$578.79|$73.97|31.1%| |QQQ|0.0992|$691.67|$68.61|28.9%| |VTI|0.081257|$365.11|$29.67|12.5%| |SCHD|0.762104|$32.83|$25.02|10.5%| |SPY|0.026723|$738.97|$19.75|8.3%| |VOO|0.021806|$679.23|$14.81|6.2%| |NVDA|0.02824|$207.18|$5.85|2.5%| |**Total**|||**$237.68**|**100%**| I'm fine taking on a moderate amount, I'm not trying to be super conservative at my age. But I also don't want the whole account riding on semiconductors. I'd like most of it to be something boring and steady with a smaller portion that has more upside. What do I keep? What do I drop? What should I buy? Any input is appreciated. I plan on putting in $50 a month, and $1000 next month.

Key_Lifeguard_8659

50% VOO, 25% AVUV, 25% VXUS, That's all you need.

Zestyclose_Panda_886

VOO and chill. Be realistic on what only 10 years of gains can give you instead of 40 years, like a 27 year old.

DoinIt4DaShorteez

If he has wages, the best thing for him to do as far as actually investing would be to: Open a a regular brokerage account and a Roth IRA with Fidelity or whoever. Put $8,600 into the Roth immediately. Buy 40% VOO etf, 30% BND etf, 30% SGOV etf. Put the rest into the regular brokerage account and buy SGOV with it. On Jan 4 of next year, sell the SGOV in the regular account, move the resulting cash to the Roth, and invest it in the same 40/30/30 allocation.

VegasBjorne1

Pretty much about it. Probably a 70/30 mix of Treasuries and Stocks. Maybe ladder Treasuries for 5 years and the rest in VOO ETF. Open an online brokerage account in grandfather’s name, then work it occasionally from there. You t shouldn’t be difficult.

DoinIt4DaShorteez

If you are 22, just using VOO and QQQM will be fine for you for a long time. I would just split it 50/50 each time you invest, but if you are buying one time a month, it won't make that much difference. If you want to use additional ETFs, there's nothing wrong with that as long as you know why you want to do it. $100/month is $100/month. It doesn't matter if how many ways you are splitting it as long as you have a good reason to own them all.

Buck169

What are his expectations? Realistically, in late 60s you're not going to be "in a better position" soon, or by many dollars, unless you A. take a big risk on something speculative and B. get REALLY lucky and actually make a big score. Most likely, this is a recipe for losing it all. Less risky investing (i.e. buy and hold diverse stock funds) is a game of decades to see really significant returns. If \*you\* have any spare money at all, if you start now, you'll probably be very happy that you did so in 30 years. For someone who's already late 60s, it's not so certain. If he wants to be safe, just put the money in a MMF and at least stave off most of inflation. If he wants to gamble a bit, you can start in MMF and do something like every two or three months, take 5% of the total and invest it 50/50 in BND and either VT or VOO. Continue until 2/3 of the money is in those funds, then stop changing anything. If he wants to gamble somewhat more, put 1/3 in each an MMF, BND and VT or VOO tomorrow and get ready to be pleased or horrified, depending...

mac_the_man

VOO. You’re welcome.

cognitiveDiscontents

Buying VOO or VTI would be your best move unless you learn a whole lot and even then it is still likely the best choice. QQQ is a tech ETF. VOO is the 500 biggest companies in the US, which right now are dominated by growth in tech. I would put most in VOO and dabble in sector etfs like QQQ or individual stocks with a fraction of your investment if you wish.

glimsky

The best option is to pick a standard investment strategy and stick with it for years. Even if it goes down. Even if it goes down by a lot. Trading all the time is a recipe for losing money. VOO and QQQM are very good and standard choices, but they have some overlap. Keep in mind they are quite volatile, especially QQQM. So over the years, it will experience big losses that could persist for many years. But you're 22 and time is on your side. The hard part is keeping the discipline and resisting the temptation to sell when their value goes down. After many years, you should make a good deal of money, especially if you invest a little every month like you seem to want to do.

SpreadVivid5426

id say learn about the ETF u are investing in, really understand it, draw conclusions for that industry and where you think its headed, if your goal is simply long term then just buy VOO and forget about it, it tracks the economy as a whole so ur pretty safe there, if you want larger returns then get more specific ETF's but learn about their industry and where its going for the foreseeable future. If you want the simplest strategy just buy VOO every month you'll make returns over a long enough timeframe.

Various_Couple_764

Ignore the news are comments. Focus on your goals. For a retirment fund a growth index funds is good like VT, VTI , VOO, or QQM are good. For a taxable brokerage you can also use growth index funds, Or you can in a good dividend fund Like EMO 8% yield, UTF 7% UTG 6.4% or government bond Any one of the funds above safe good choices to get you started And just buy it and gradually add more money. The key is to just get started with something safe and simple. Don't follow any advice on reddit, Just see it as a place to learn by seeing what other people are doing and what funds they are doing. And then do your own research by reading the fund prospectus and other documents. Most funds have websites were that information is posted.

PhotoSpheres

And once again, I would have made more money and I just kept it all in VOO

bad_detectiv3

But what if VOO tanks tomorrow

Early_Reporter_7443

or like, just put it in VOO or something

Buck169

Recently I sold all my VFIFX (Target 2050) in my retirement account and bought a split between VOO, SCHD, and VYM. I expect to do WORSE with this plan, but I was pissed at Nasdaq for saying "Let me suck that for you, Elon" and was inclined to reward the S&P 500 for not doing the same, and to get into the dividend funds for their "good" fundamentals. I was not sufficiently committed to the bit to do the same with Target funds in my taxable account, because I have enough gains that paying tax on that immediately is irritating.

EsotericParrot

Dude you can’t actually LISTEN to all the noise, you have to think for yourself and do your own research if you are going to buy individual stocks. I agree with the top comment, if this is how you feel you should absolutely just buy VOO and chill my friend.

oldtimehawkey

What risk level are you? Put most of the money in a low risk like VOO or VTI. Me, I’m low risk, so I’d do 80% Then buy individual stocks with the rest till you realize there’s no way to win at that and put that into BND. Haha.

Airizom

Maybe the “VOO and chill” guys were right

Gorgenapper

I know someone who picked stocks based on trends and looked like they made an amazing bet on a particular stock (energy company). Until I showed them that VOO would have made double since inception of said stock, with far less risk, far lower volatility, and the ability to shove money in and sleep at night knowing it'll just keep growing. Too many people don't appreciate the power of a weighted index that rebalances itself by kicking the losers down, and raising the winners up. 

__redruM

Because OP is already overthinking every decision. VOO and VTI are almost the same fund with slight performance differences. VT adds international, so it’s also a good choice.

YardComprehensive215

VOO and chill doesn't sound so bad after all.

pr0prfkt

Open a Fidelity account. Buy an auto amount of VOO each week. Start with what is comfortable, increase as time goes on. Sell only to pay for urgent things. Do this for yourself as well. It’s how personal finance works.

LaundrySauceNL

It's not enough to just say "put it in VOO" and forget about it. You need to know if he has any other cash he can use in an emergency, when he plans to use the funds (say ~25% or more), how he would feel if his portfolio declined 5/10/20%+ in a year, and whether he is an aggressive or nervous (ie. buy or sell low) investor during those volatile periods. Even if a 100% equity portfolio outperforms over a 10y+ time horizon, it's not gonna do him much good if it goes down 20% and he sells because he can't sleep at night.

Bowl-Accomplished

Sure, I'd go VT myself but something like 60% of VT is VOO so right away you have about a 60% correlation.

Acroninja

2 years ago I made the decision to just dump all excess cash after paying bills, food etc right into VOO. Best financial decision I have ever made and I will continue until I decide I can retire. It really makes it very simple

Seref15

The broadness of VOO can be called into question at this point (I say this being mostly in large cap myself)

pr0prfkt

Setup an auto weekly buy of VOO and only sell to pay for urgent things.

satisfiedfools

As others have said - VOO is probably the best bet you could make. Stick with the herd so to speak. More to the point, focus on your career. Dude even with 100k in the market, in a good year that's 10k. It's not life changing money.

__redruM

What are you buying? Maybe go a lower risk. VGT, QQQ, SMH, heck VOO. Stop gambling, start investing.

TalentedArchitect

Honestly after seeing 100k on my screen, I really feel like i wouldve taken 80% out, and leave 20k in VOO, and called it quits. I can imagine how crazy it must have felt though in the moment.

misterbluesky8

u/Winter-Shopping1111, you probably don’t want to hear this, and nobody here does, but if you’re consistently losing money trading options, it’s not random luck. It’s because you’re buying lottery tickets and trading without an edge.  The vast majority of people on this sub would do well to put their money in SPY/VOO for the rest of their lives and never touch options.  I took classes on options in college and went through the CFA program, and it STILL took me years to become consistently profitable. Try this instead: save up and buy literally one share of SPY at a time until you have 100 shares. Then sell OTM covered calls against those shares. Use those premiums to fund whatever degenerate YOLO trades you want. That’s how I did it. This will make you a lot more money than what you’re doing. 

TakesInsultToSnails

Buy VOO and chill. Learn the lesson sooner than later in life and you're allowing for much more compound interest.

Monkey_80K

only buy stocks where a drop in price makes you happy because you can buy more for cheaper - that's investing. If a drop in price is a problem for you, you're not investing, you're trading which you obviously suck at. So stop gambling, buddy. Go buy SPY or VOO

leaning_on_a_wheel

Sell everything and go 100% VOO

Raiddinn1

You need to get completely out of this game, as does anyone else in this game. Not even this game, all related games. That GME/AMC shit was dumb too. Ninety nine percent of people are not cut out for this and will have the same results as you. That ninety nine percent includes you, clearly. Just buy VOO and hold it until you get old.

nappingOOD

VOO has a lower maintenance cost but a larger spread. SPY has a larger maintenance fee but the spread is smaller which is more important for day trading than long term investing.

nappingOOD

You should probably stick to reading other people’s posts and investing in index funds like VOO. Looking at your trades you’re going to drive yourself insane and poor.

Vlisa

You could easily live better than most with buy and hold VOO and 2mil. Take on a bit more risk(ie slightly higher beta indexes not even options) and you are set for life.

dida2010

He needs to buy SPY/VOO and have a life

brianxhopkins

For the average person, this is spot on. I would like to add: 1) when investing into the roth, for the love of god don't let the money sit in the money market account. That's why OP said put it in VT. Money market account is pretty fancy way for saying HYSA, so make sure to move it to an index fund (VTI/VT/VOO/etc). 2) if you're young enough, check what your 401k money is going to. Usually they set it up automatically to deposit into a lifecycle fund depending on when your projected retirement date is. I would look into the breakdown of that lifecycle fund and maybe consider switching to a stock fund that tracks the S+P. At a young age, you don't really need the diversification (bonds) yet.

Eazy12345678

VOO has returned 15% annual return for like last 15 years. sure its a gamble but based on history it looks pretty good

bartino84

When will my VOO and chill 10x?

spilledonwhite

Coworker texted me Saturday saying he wanted help today rebalancing (placing the limit orders). Motherfucker has both VTI and VOO and wants to sell one and move more allocation into riskier growth stuff, probably VUG or something. I asked him about it today and he has no clue what is going on in the markets. He isn't timing anything, just looking at his own long term plans. I asked him if he still wanted to do that rebalancing and he said "Nah I'm more focused on fixing that scratch on my car rim today. Maybe tomorrow." I fucking envy this man.

Affectionate_Run3921

Just buy VTI or VOO, or VT if you want some international. Buy what you can afford to whenever you can afford to. Always buy and never sell. Keep it a simple passive activity.

Kentuckyquestioner

I started investing at the start of June because I was just putting everything in a savings account until recently, I put almost all of it in ETFs of course but because I guess I chose the worst day possible even VOO which takes up most of my portfolio is down 2.1% from when I invested

HolaMolaBola

A hedge should ideally be made up of section 1256 contracts like SPX index options or options on /ES futures. That way, if they do pay off, they are taxed 60% at the long-term rate regardless of holding period. Best practice would be to hold VOO (or in my case I prefer SPHQ) as a core position and then do your hedging around that. In a 50% selloff scenario you're proposing, you'd then monetize the hedge for a gain, and simultaneously tax-loss-harvest any VOO shares that are in loss position—swapping those shares for something like VTI which follows a different-enough index that avoids a wash sale. Same thing with writing calls. The good thing about writing SPY calls against my highly-appreciated shares of SPHQ is that there's no danger of me vacationing in Tahiti and getting news that my SPHQ shares were called away for a huge taxable gain. Instead, the worse that can happen is I get home to a portfolio that is simultaneously short SPY and long SPHQ. Good luck!

nordik1

only 9k to go until i can pull out of this and VOO forever

Isometric_exercises

SPY VOO GOOGL and turn off your phone 

infinitedrag

So you're telling me after all the stress, pain, anx while accelerating your age and 500+ trades you are still even with PSY? Might as well could have put it in VOO/ SPY and chill and avoided all that hassle and tax mess.

SteakEater137

It's strange that I consider VOO one of my riskier investments now because of its meme stock level volatility nowadays. Fuck this high frequency algo shit

LasyKuuga

VOO

Arteqt

I can tell you one thing, he wouldn't buy and hold VOO like the rest of us over here. If he had 10k he would start with "cigarette buds" again. Going into blue chips directly. His whole thing is NOT buying stocks and chill. With low capital he did a lot of takeovers OR acquire businesses that had more asset worth than market cap. Until it wasn't possible (scaling that strategy is too much work and not worth). At that point he had to take more risk adjusted approach with value stocks and he had time for his already big capital to compound on.

Whole-Reserve-4773

I love coming to this sub. I have some SMH (10% of port) rest is in boring VOO QQQ and VXUS . I sleep peacefully at night

OriginalTouch6371

IMO the 2.5%s are largely overcomplicating things - MU, AMZN, GOOGL, and META are all large chunks of VOO. Maybe put those into one thing instead? AVUV would be a good addition.

Informal-Lime6396

In your taxable, given you're investing for 25-30 years, I recommend going a bit harder on SMH/SOXX, VOO, and other riskier ETFs.

fozzy71

Time to start buying VOO, m8!

RuleSafe6767

Lol yup. Sector has 20x'd and the entire national Korean index pumped 600% year over year.. and "we're just getting started", right? If the S&P blew up 6-fold, it would be an opportunity for VOO-and-chil boring index holder to lock in once in a lifetime gains, and that's exactly what the bulk of folks in Korea are doing (well, they majority already dumped near the top, but their market makers absorbed the inventory dump and are earning it back slow bleeding options buyers on the downhill slide).

riikoo

Investing is putting money into an ETF like VOO and leaving it there. Options is gambling. My advice, stay away from it.

pr0prfkt

Buy VOO on auto weekly basis. Work to increase the auto amount. Sell only to pay for urgent things. This is how all personal finance works.

Gameboy69NoScope420

Yeah open a brokerage account with whatever brokerage you feel comfortable with. Do research on what to invest in. AI is a useful tool, not full proof but useful. Others will debate me I’m sure, but ETF’s like VOO, VTI are a good place to start. Some say to grab some bonds BND or something similar, and an international ETF like VXUS. Lower %’s. As I said. Do some research and don’t blindly throw your money into things.

CivilizedSteve

VOO is always good advice, thanks

trix_is_for_kids

VOO should be at least 50% (like, forever) probably more like 80% though then save 20% for specs

1have2much3time

There is a big difference between speculative and making bad investments. For every ‘winner’ in biotech there are 1000 losers and usually it’s not in the hands of the companies themselves or the technology but rather government regulations, insurance companies, or the abysmal adoption from service providers. The ultimate goal is to make money. With your son being young, VOO is the way to go because over time it will win out even if you capture the big wins.

WhiteLotus_1776

It’s also been studied and proven, nobody beats the market. 100% in VOO for the long term would end up making more returns than this mess would even if he never panic sold.

Salty_Plate6543

VOO, QQQ, BRK, AMZN, GOOG are fine. IMO VOO should be larger even as a kid (foundational), woth the single stocks as satellites. The rest is a bit of  a meme portfolio which I guess is not surprising. I made some dumb single stock investments as a kid too, but it was a decent learning experience 🤷 Also does he understand expense ratios? There are cheaper momentums so you keep the gains vs paying the fund managers. Momentums are great for tilt but this one costs quite a bit. Also something I didn't learn as a kid, selling decision should be made before buying, or setting a stop loss. Guardrails on the gambling. Sometimes that turned into a pleasant surprise, but more often than not, followed all the way to zero. 

CivilizedSteve

Thank you for all this. Well thought out. I'll encourae him to reduce the speculatives and increase VOO. Appreciate it!

1have2much3time

14% in Latin America. 13% in biotech (I *work* in biotech and wouldn’t invest in biotech). Minerals stocks. This will absolutely perform worse than 100% VOO

No_Presentation9490

* **QQQ  25%**  I'd wait for a discount on this especially if it's in a tax advantaged account. This isn't an index you want to buy when it's expensive if you're not actively monitoring your account and willing to de-risk. Nasdaq has dropped 60% three times in just the past 30 years * **FMTM Momentum ETF 15%**  This can become dead money in a bad market regime * **MELI   MercadoLibre  9%**  Latin America’s leading e-commerce, digital-payments, advertising and logistics ecosystem. 9% is way too big a position for a single stock with foreign currency risk. It also has to actually execute its expansion to grow into its valuation, which is anothe risk. It doesn't matter how well a company is doing or how big its potential is; what matters is stock price performance relative to your entry point. * **RXRX  7.5%** Uses automation, biological data and AI to discover and develop new medicines.  Way too speculative and risky for this position size. * **BRK.B  7.5%** Dead money, period. * **VOO  6%**  Way too small position size for a core index fund * **SOPH 5%** Provides software that analyzes genomic and clinical data for hospitals and laboratories.  Way too speculative and risky for this position size. * **KRE  5%**  Rregional real-estate markets ETF The entire world is having an interest rate problem and everything real-estate related is interest rate sensitive. Buying these only works if you time the market, I would pass * **MU  5%**  Cyclical industry companies are ones to trade, not invest in * **NU   5%** Rapidly growing digital banking and financial-services platform across Latin America. Way too speculative and risky for this position size. * **AMZN    2.5%**  Use this to buy VOO instead, Mag7 are not immortal. * **GOOGL  2.5%**  Use this to buy VOO instead, Mag7 are not immortal. * **TRV    2.5% Insurer** Appropriate position size for this kind of holding but I wouldn't expect too much performance from this. * **MP   Minerals 2.5%**  Appropriate position size for this kind of holding but I wouldn't expect too much performance from this. Don't get me wrong, I don't worship the S&P 500, but this is not a well thought out portfolio

unarmed_fish

NEVER VOO ONLY SPX! TOMORROW IS NEVER PROMISED! Thats just my 2 cents

zxc123zxc123

I really don't care about INTC. I just used to hold it and sold out after I made my 4x. Put it into VOO and a bit into cash which I deployed elsewhere later. I mentally checked the fuck out when I sold out of my INTC. Already mentally noted I won't be buying back in this cycle no matter what since I remember the 2000s cycle. Luckily for me I bought my INTC post-GFC and added during the post-pandemic lows so I only bag held it for around 1 decade rather than 2-3. Chips are like commodities and chip manufacturers are very cyclical. If and when the bottlenecks ease, the bubble bursts, and/or hardware buildout phase peaks, then they'll revert. I KNOW I can buy INTC in the future lower than I sold it because if you sold in Aug 1997 you could still buy it back at a discount in Aug 2025. VOO however rarely looks back. So yeah, enjoy your earnings. I'll be watching GOOG since I do own that one for the long term (been holding that one since the GFC bottoms too).

ceilidhfling

do you ever like take 1/2 out put it in your roth in VOO and keep playing with the other 1/2?

leaning_on_a_wheel

Probably worse than 100% VOO

WhiteLotus_1776

OMG ….. That’s a recipe for disaster. He should just do 70% VOO / 10-15% VXUS / 15-20% QQQM or SCHG or VGT whichever he prefers of those 3

CleanReplacement1525

In this sketchy market. 3 years worth of cash as the buffer. Then 80% VOO, 20% treasures. After the next 30%+ drawdown occurs. 100% VOO + 3 years cash.

ng_logic

You're in a great spot, and your kids are lucky you're thinking this far ahead. The fact that you're worried about the savings rate is actually a good sign - it means you're being realistic, not just optimistic. And yeah, the feedback you're getting is right. XEQT already does the job. Adding VOO and SCHD on top just means you're making an unconscious bet that US large caps will outperform the rest of the world, which might be right or might be wrong, but it's not part of a deliberate strategy. Simplicity isn't just easier - it's usually better. Fewer moving parts means fewer decisions to second-guess when markets get volatile. At your income trajectory with a DB pension backing everything up, XEQT and patience will get you where you want to go. The hardest part won't be picking the right ETF. It'll be doing nothing during the next crash while everyone around you panics.

ng_logic

Honestly the plan is solid but you're overcomplicating it. XEQT already holds everything in VOO and SCHD, so adding them separately just means you're betting against your own base allocation without a clear reason. The 5% fun money for SpaceX and Anduril is fine, just call it what it is - gambling money, not strategy. The real risk I see isn't the portfolio, it's whether you can actually stick to $4K/month once the mortgage, property tax, and two kids' activities kick in. Life gets expensive fast. Run the numbers with the house costs baked in and see if that savings rate still holds. Other than that, you're in great shape. DB pension plus this plan means you're basically playing on easy mode. Don't overthink it.

Plane-Term2972

The portfolio looks reasonable, but I'd ask whether VOO and SCHD are necessary alongside XEQT. Simplicity is often underrated. The real challenge isn't picking the perfect allocation—it's staying invested through market crashes

Effective_Manager273

the commenter who said the interesting part is a full cycle nailed it. momentum as a factor has one famous failure mode, the momentum crash. at sharp market turns the beaten down names rip the hardest and the momentum book, which is holding last years winners, gets run straight over. spring 2009 and the 2020 march to april snapback are the textbook cases. a monthly 6 month lookback gets you in and out faster than a 12 month fund, but that cuts both ways, less lag but more turnover and more whipsaw in a chop. and this thing launched in 2025, so it has never been through a bear or a momentum crash yet. the shorter drawdowns you like are a bull market feature, not proof of the design. also worth being clear eyed that right now it is basically an AI leadership bet, you said yourself the book is full of AI names. that is not really diversification from your VOO, it is a concentrated tilt into the same leaders, so it will hurt most exactly when leadership rotates. i would want to see it survive one full cycle before calling the short drawdowns an edge.

zxc123zxc123

>Buy semiconductors Nah, why buy semis when you can just buy VOO and MAG8? Also many semi names are still up massively from 1/3/5year timelines. INTC for example might be down over 30% the last month, but it's STILL up +140% YTD. There is no dip to buy here.

LiquidSquids

Also my wife was fortunate enough to inherit a good amount of money from her mother that passed. Not enough to retire but enough to pay off our modest house if needed. We have an advisor that manages that. I don't allow myself to give do anything to that. This account was a 401k from an old job. The only purpose of this account is to liberate us both from jobs so we can enjoy life before we die of horrible disease or the world goes to shit and we all explode, or climate change kills us all. You only live once, we want to be free. $1m and I'll stop buying options $3m and I'll just VOO and ride off into the sunset. $0 I'll just keep working and dying slowly inside like I would already.

---Shadow---

Thanks for sharing your opinion. I held FUBO for a long time, got a great entry point (1,83$ pre-split), ended up a little bit in the red, but I still believe in it long term. I just sold everything and went VOO cause I became a father of twins and prefer investing my time into them rather than stock research, but definitly still believe in FUBO long term.

Prudent_Neck645

Yeah now everyone wants VOO