Reddit Posts
Advice I wish I listened to early - don’t over complicate it
hmm...it seems the market may have dipped a bit.
I love all of you. That’s why I’m making this PSA to stop what you’re doing and DCA VOO now.
Where would you invest right now? Looking for genuine advice in this market.
Never thought my first 5 figure movement would be south but here we are
The stock market will prob crash now because I bought nearly 1million usd worth of VOO with my inheritance
Boo Hoo. I bought VOO. I put my toe in at the wrong time.
23M, just started investing. Is VTI really the best strategy, or am I missing out on better growth?
$5 Every Trading Day since April, Finally at 1 Share of VOO
What's been happening with the S&P 500 these past few days?
My trading regime (What is yours?)
Best investment strategy for self controlled 401K
If SpaceX merges with Tesla, what will the consequence be for the S&P 500 index, specifically VOO?
VFQY as an alternative to VOO's tech overweighting?
Portfolio Review: 3–5 Year Horizon, Moderate Risk
The "sell employee stock purchase plan" immediately strategy. This doesn't seem logical to me based on percentages
Anyone else considering increasingly moving to short term govt paper in their tax-free accounts?
I have 11k in stock and I am 20 years old. Where do I invest?
Investing $100 a day - what would you choose besides VOO?
Investing $100 a day - what would you choose besides VOO?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Once again S&P1 seems to be the best long term strategy over the S&P500
I have been DCA’ing into VOO since 2012 and now I’m rich.
VOO Performance Lately / General Investing Approach
After playing options, my net worth is currently 30$
Isn’t concentration actually proven to win over the long term? .
Any advice from experienced investors
At what point is qqqm better than voo for young investors?
What ETFs or Index funds are y’all thinking about bidding on? I really like VOO as a long term play for myself
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Mentions
Same. I fell for the hype first with bitcoin, then gold/silver, then memory stocks. All of them are now in the dump. My portfolio is down 60% because of these stupid decisions, when I would have been well in the green if I stuck with VT. Lesson learned. Don't listen to anyone on reddit or youtube who claim to know what the next big thing is. Just DCA in VT, VOO, or QQQ and you will easily beat every stock picker.
I think your portfolio is already pretty solid. VOO + VXF gives you broad US market exposure, while VXUS provides international diversification. I also like that you're including some international exposure rather than putting everything into US stocks. I wouldn't add a dividend ETF just because people are saying dividend stocks are good right now. Dividends aren't free money, and a high dividend yield doesn't necessarily mean better returns. What matters most when you're young and investing for the long term is total return (price appreciation + dividends). Adding something like SCHD would also create overlap with stocks you already own through VOO. Personally, I'd keep it simple, invest consistently, and let compounding do its thing. The only thing I'd reconsider is whether you're comfortable with a 95% stock allocation. Even a diversified portfolio like this can drop significantly during a bear market. If you have a long time horizon and can stomach the volatility, I don't think you need to change much. Don't overcomplicate a portfolio that's already doing what it's supposed to do. 😄
I'm in my 30s and make 10k a day on VOO quite regularly. It doubles every like 7 years.
I don’t understand people who buy VOO and chill. Like bro yes you’ll be a millionaire at 70 when your cock doesn’t work and you can’t drive :kek:
Bought my first shares of VOO and SGOV instead of 0DTES. What the fuck do I do now?
> I'm curious, has the US market experienced similar downturns before? How did things play out afterwards? Is this a normal correction or something investors should be more concerned about? I am not joking or being condescending when I say, if you are asking this question, you should not be investing. Listen to the other commenters and put it in VOO or VTI and do not allow this to become a hobby. Despite all of the posts on here, the stock market is still up 9% this year alone. That is incredibly high. People who are losing money now are degenerate gamblers. People who just put money in VTI have still made significantly more than the historical average. Worth noting, I am one of those degenerates, because I am a fucking idiot and sold during Trumps Tariff drop 2 years ago. So take it from an idiot. I missed out on one of the most ridiculous irrational bull runs in recent history. But I didn't lose any money at least, I just didn't gain it. Put it in VTI, and then never think about it ever again.
have you considered just investing in VOO which is up 100% since then
Welcome. Short version of what most people here learned the hard way: Yes, it's happened plenty of times. Drops of 10% or more come around every year or two. The big one was 2000: the Nasdaq fell almost 80% and took 15 years to get back. So buying the tech dip works great, as long as the dip isn't 2000. Start with a broad ETF as your base and keep individual stocks small until you've lived through one bad drop with real money. That teaches you more about yourself than any research. If you're outside the US, look at Irish-domiciled ETFs (CSPX, VWRA) instead of VOO. Most non-residents owe US estate tax on US-listed assets above $60K, and the Irish ones avoid that
If you don't know then just stick to ETF. Buy VTI/VOO/QQQM
Bro. If you move to a low paying job, you are strictly VOO and chill. Like, that’s the rules.
While I am just a real person, I still think I'm no better than scripted gurus. Since it sounds like you are enjoying this hobby-wise, I'd recommend: 0) Don't buy company stock until you can buy it without asking someone else for reassurance. 1) Looking up what companies do. Do they make money from their ads? From Business to Business contracts? Etc. 2) Then watch videos of people reading and summarizing their non-standard earnings reports. Non-standard means metrics that are specific to that business. e.g. An online marketplace might talk about how many products customers are buying, a Financial-Technology company might talk about the rate of non-paying loans. 3) Index Funds (VOO is one of these) are the responsible adult investing, We retail traders cannot outperform the index. By stock picking, you are throwing money away as a hobby. Best investment you can make is educate yourself on how to identify competitive companies without actually purchasing their individual stocks. Little risk in learning stuff from Youtube.
Honestly, I am a mixture of VOO (USA fortune 500 etd) and SCHD (USA high dividend stocks), and QQQ (I would not suggest starting QQQ in this exact moment. It is all tech stock, and that is a wavy ship right now, and I would not want to be reaponsible for someone seeing a 10 lercent drop the day after pirchase) And every time I try to branch out, I feel the sting.
I might need to check out VOO, heard lots about that too!
My dude quit doing whatever you’re doing that brought you to this point and put all of your money into VOO for the next 20 years and retire rich. I did. Best choice I ever made.
Park it in ETF’s like VOO and VTI. One trade to buy and another to sell later in life. You’ll be one of the more successful traders out there.
VTI or VOO for life! Carry some dry powder when market drops so you can deploy cash
I get happy. I always increase my investments during downturns. I do auto invest weekly into QQQ and VOO. And now that QQQ has touched 15% down from highs I increased my weekly investment into it. I have been investing for over 10 years and have seen times way worse than this. As long as ur invested in good quality stocks and also buy more in downturns, you will always make money.
Guys. I just bought a ton of VOO at $677 ♥️♥️♥️
If you were regarded enough to panic sell yesterday just close the app and buy VOO....you aint built for this
I'm a new investor. The going matra in terms of investing has always been to invest in ETFs, primarily in VT (rather than VOO or VTI) because they are less risky and they are diversed. I looked at yesterday and they're just as down as VOO or VTI albeit VT got better 0.25 points. What the hell am I missing? VT was suppose to be the one protecting me but they're almost identical
Keep telling yourself this while 99.99% of all actual investors globally regardless of gender and ethnicity look at forward earnings expectations. This is why you should buy VOO and let the adults make decisions.
Because we have been in a low interest environment for a long time and along with a crazy bull run. Otherwise the fee drag would make the yield less favorable. If interest rates keep rising it will likely not continue this trend, before you start moving all your VOO into SPXL.
You have only yourself to blame for this. I am down 40% although they are all leveraged etfs and stocks. But i am not selling. I know every politician is corrupt and they have incentive to keep the market up. So market can't stay low long. If you panic sell then don't invest in market or just buy VOO, VTI
I am 67 and yesterday was entertaining, not devastating. Anyone close to or in retirement should be setup to withstand a long, deep bear market. But then, I am a heretic in the eyes of *The Church of VOO and Chill*. I look at risks and try to mitigate them. So I am sitting in a bond tent that includes TIPS (the actual bonds, not funds). On the equity side, last year I shifted from simple market cap indexes to indexes that are more quantitative due to the extreme market valuations. (As of this morning CAPE is still over 38).
VGT concentrates the same mega cap tech risk that already dominates VOO, so using it as the base layer stacks factor exposure rather than diversifying it. If the goal is a deliberate tech overweight, sizing VGT as a satellite on top of a broad core is usually cleaner than replacing the core itself.
Should I lump sum 10k to VOO or wait for more dip?
Man I capitulated so hard yesterday, I promise when I break even I will VOO and chill I learned my lesson!
Shocked I didn’t get assigned my VOO shares after the put I sold was $500 underwater. Guess the buyer didn’t want the shares called away 🤷🏻 expires today …
Allocating 75 percent to VOO and 25 to individual stocks will vastly reduce how much you will ever trail or lead the market.
You don't. You either wait it out like BRK or VOO and chill.
Haha, great point. If you’re looking at the SP500 (VOO) a 6 month investment would still be up \~2% with the dividends.
some chick at work was super impressed when i was talking about investing and VOO. Just wait until I teach her about SPY 0dte’s 🤌🏼
VOO and chill has been a thing for like 15 years retard 😂
DIA VOO SPY keep it basic
I think I can start a hedge fund and just put it in VOO index.
Still up 7% TYD I’m chilling with VOO brought more today and yesterday lol 😂
Bought VOO. YOLO didn’t do enough research but will eventually go up 🤷
Fair enough. I funded my Roth April 15th and just never pulled the trigger on anything. Could’ve still been green on VOO and just ignored it for years
That was like 1/3 of the entire year gains in VOO. How is that better?
I like VGT, but I would treat it as a tilt, not the base. VOO already has about 40 percent in tech, so adding a big VGT slice means you are betting even more on one sector doing well. That bet has paid off lately, but winning sectors rarely stay on top forever, and a sector fund can fall a lot further than a broad index when it turns. What I do is keep a broad fund like VT or VOO as the core, and if I want extra tech exposure I cap the sector fund at 10 to 20 percent of the portfolio. That way I still get the upside if tech keeps winning, but one bad stretch does not hurt the whole portfolio. Your 70/20/10 split is reasonable if you go in knowing the 70 percent is an active bet, and you are comfortable holding it through a rough few years.
Even if so I would imagine it has missed on large gains had it been in even SPY/VOO/IWM etc
You don't know where the bottom is, so just keep buying some small but sizable chunks of VOO every half day or so. You'll be rich again in 5-20 years. (This is the boring solid way.)
Just by looking at VOO, you can see that it's been flat-ish way before the election. Straight up lying.
DCA into VOO instead of QQQ
If you invested in VOO all this would be a dream too bad maybe next run
Is the expense ratio as cheap as VOO
1, I didn't get destroyed. 2, I lost some gains that I got earlier this year, I bought low in March 3, Nasdaq is about 23% of my portfolio, I'll survive regardless 4, if you don't know when to ask yourself "why is this underperforming? will it continue to do so? would my money be better allocated elsewhere?" then you don't even need to be on r/stocks. Just VOO and don't worry your pretty little head.
VOO is usually a good option… Last big drop I bought a lot of VOO, Microsoft, IBM - the standards. I’m still up significantly. 🤷♀️
Yes if it wasn’t for growth we would not be growing lol Yes it’s been curtailed - we had a red day VTI up 8 percent YTD VOO up 7.5 percent YTD
idk what I'm seeing. I have a degree in finance and live on bloomberg and have watched all the different markets and sectors like a hawk this year and I haven't the faintest clue what the future holds. I need to break the gambling habit, accept my losses instead of trying to win it back, and VOO and chill and not watch the markets. All my basic ass coworkers are killing it with passive investing and shrug when I tell them what the market is doing. I just genuinely love everything about the markets and find them so fascinating. But it is getting more and more frustrating trying to play it.
There is always check & balance, good for market. Too much extreme left or too much extreme right not good for anyone. If left wing push hard extreme, loose 2028. Next era will be more centrist & balance BigTech saw many midterms, nothing issue to tech or semi $QQQ $SPY $VOO $VGT time to load for Santa Rally, also $NVDA earnings spike Market is very forgiving, change mind even after 24hrs
Yeah, I'm glad my 401k contribution hits tomorrow, and just bought a tiny $1500 of VOO today. I figure may as well average my losses down where I can. Hopefully shit bounces back in 5 years.
I’m about to sell everything and buy VOO 😩
oh nooooo, my VOO stocks just got cheaper to buy.
Excited looking at today. Buy low sell high. Put 2500 in VOO (I know very boring) and am planning to put another 2500 in VTI or some other etf tomorrow.
Straight to the VOO for them then.
$700 VOO by open just to fuck the bears 🤣😭
What do you mean by SPY is closer to buying the dip?? VOO tracks the same index.
I am definitely getting assigned that $680 VOO put I sold today for $500 😬 That’s a lot of margin 🤌🍝
\> 55% VOO 10% VXF Why on earth people do this instead of just VTI... You haven't told us if this prospective holding is in a tax advantaged retirement account, or an ordinary taxable brokerage. It makes a difference. US stock dividend funds are for retired people in a taxable account, because of their favorable tax treatment, i.e. qualified dividends are taxed as if they were Long Term Capital Gains. That is their only quantifiable advantage. They also might be sought out to counterbalance high flying growth stocks, even in a retirement account, although a solid "value" fund like OAKMX might be a better choice.
Organically is VOO or VTI and chill. Everything else has too much speculative markets
The problem with the VOO and chill crowd is that a 4% drop could be the start of a 20+% drop and a lost five years, or it could be a Tariff Tantrum and they sell low before a big pop recovery. The ones who are closest to retirement panic the hardest.
For a bunch of people that say “VOO and chill” outside of this subreddit, they sure ain’t doing that second party very well today
> But I see VGT as a similar VGT is not similar to those, but you're free to do whatever you want. Even VOO is only 40% tech, you're missing out on a lot of sectors. VGT can be added to VT/VTI (even VOO)+ VXUS if you want to be more aggressive with tech, but it should not replace the US allocation.
I mean ETFs offer more security and it's hard to beat their gains but if you like to stock picket do it buffet style and pick stuff you know (personally) is good. But time and time again ETFs like VOO with low expense ratios best stock picking.
Thank you! Definitely won’t be selling SCHG after the past few days but will start buying VOO and slowly sell off SCHG
2 totally different ETFs. VT is the entire world market, VOO is SP500. Don't get your advice from Reddit, im here too. Looking for solace. Do your homework
VTI and VOO are pretty chill. Slow growing but always growing.
Like VOO it’s US only holdings. It’s superior if you see broader exposure beyond s&p500 as making it substantially less risky which I’m not sure I do
Or buy ETFs like VOO and forget the lotto’s dreams
VOO is down like 3.5%. Everything is fine.
VOO and ~~chill~~ freak the fuck out
\-3.92% today. VOO -4.35%. I'm basically a genius.
VOO is down too retard
VOO and chill @30 years
I added to VOO and QQQ
If you’re young why are you holding bonds? VOO pays dividends. Don’t get into the dividend trap or yield chasing. There are uses for dividend stocks/etfs but if you’re young focus on index funds for growth.
I bought the dip on VOO in my """safe""" port when it was down $20 then it dropped another $12 lol
True. But that's just my trading account. My 401k which is basically just VOO is down like 15k :kekh:
Like 80% S&P500 and a small number of stocks and REITs, nothing fancy: VOO, GOOG, INTC, O, and a couple of random energy ETFs.
Idk about France or Japan specifically, but VXUS is outperforming VOO over the last year. US has outperformed in the past, but assuming it will forever is just performance chasing.
The next big support level for VOO is 666...yikes
You already own dividend paying stock in VOO and VXUS. >People are saying that dividend-stocks are good to have at this time. People say a lot of things, who are these people? What is their justification ? Also you own dividend paying stocks already
Not going to knock anyones thesis, hard to say what will happen. Final note is jsut know that with this type of investing, expect higher volalility. XAR for example is 2x the volalility of VOO annualized over the last 15 years. So in other words you will see massive dreawdons compaired to the broad market, dont panic sell.
I bought lots of SCHG years ago before I fully knew what I was doing. I’d like to just buy VOO going forward. Would it be dumb to just keep what I have in SCHG and not contribute anymore? I also have SCHF if that is relevant
I’m a small time youngin, I just put 150 into VGT and $100 into VOO for a long term hold
Bought a bunch of VOO today. Simply a temporary discount. I’ll take it. In 20 years I’ll be happy
I casually decided to sell puts to collect that beautiful premium this morning. Looks like tomorrow I owe $68,000 and will be the proud new owner of 100 shares of VOO.
VOO is simply the S&P500 so you have not only single country risk but you don't even own the entire market within that single country. VT gives you full global market cap weighed diversification that automatically rebalances in realtime. Is VT more expensive? Yes, you'll pay $3 USD per $1,000 more in fees. You also lose the international tax benefit of splitting international and domestic holdings. If you want to save a portion of that extra $3 and gain back the international tax advantages, you can go with VTI and VXUS but you'll lose the automatic rebalancing. For me, VT clearly wins.
No I mean why do you consider VT, VOO (and even QQQ for that matter) as short term buys?