VOO

UnnecessaryPancake

Trading in my Roth, so VOO calls

planes01

Because VOO is a more diverse index that's why

deadmonkey03737

The entirety of VOO is within VT. It’s pointless to concentrate extra funds on just those companies

WakeJman

might as well put the remaining on VOO

thailanddaydreamer

VOO

steady_compounder

If this is long-term money, the bigger risk is usually waiting for a perfect entry that never feels perfect. VOO can still drop after you buy it, but that is true in almost any month. For a beginner, a simple plan of buying steadily from each paycheck is usually more useful than trying to outguess headlines.

ComparisonOther4318

You’re not being too conservative at all, you’re doing what most people *wish* they did at 22. I’m late 30s, \~80 to 90 percent in broad index funds, 10 to 20 percent in individual stocks for fun and potential upside. That “core and satellite” setup lets you scratch the stock picking itch without nuking your future. If you just keep shoveling money into VOO and QQQM for the next 10 to 20 years, you’re already on a very realistic path to “seriously wealthy” by normal human standards.

Routine-Shoulder5785

the sentiment changes so fast man. It was supposed to be a pump like ytd now kioxia miss and everything dumps. Boomers are right, VOO and chill. No, i’m not a bear, i hold many memory calls

sentientshadeofgreen

I'm not such a pompous twat that I'd shit on all of retail investing, but yeah, doesn't take a financial advisor to know that investing in VOO is pretty low risk long-term, just like driving a Prius will save you gas money.

sidaeinjae

I live here. We buy VOO.

GolfLiftPlayPool

Collect my dividend from my emergency fund thats in VUSXX and buy VOO or SCHD idk might fuck around and get some VMFO or CHPY. Depending on how im feelin Sheeit

RedEgg16

VOO and chill everyone

Ravens3505

Everyone will tell you $VOO but the answer is $QQQ

Froggymcnugget

Just put it in VOO pure spy and call it until retirement

Comfortable_Goal9110

Bro you're 21 please put 90% in VOO locked away 

Bitter-Refuse-8623

Yeah I definitely got in on that juicy $192 NVDA. Was like VOO , I love you but you gotta go hang out with SCHD, CUBE, and ARCC for a minute

Cruian

>Also while it is good to go as far back as possible for data, you do not always want to weigh that old data to heavily This isn't true at all, as taking the longer view shows that it is horribly unreliable to judge future winners off what is ahead at any given point in time. Your same methodology done 5 years ago would have resulted in the completely opposite conclusion than what you're saying at the start of this comment chain even when using the same start date. >A few stocks are carrying the overall market and they are not at risk of going out of business. They don't need to go out of business to simply under perform. >VOO performs the same as VTI at worst. Not necessarily. While the market cap weighing should keep them, close, it can't be guaranteed that VOO ends up on top over any given future time span as my link above shows. >Yes, it did barely beat it that one year. Try again: Most of the 2010-2021 period had VTI beating VOO. Look at the graph and see the VOO line underneath the VTI one at plenty of points in that time frame. >You don't invest for a 1 year slight out performance. You are looking for performance 20 years down the line. My graph did show a nearly 20 year period where the winner would have been VTI, not VOO. 1 year of "slight out performance" wouldn't have canceled out the lead VOO built in the 90s to be strong enough to last through the S&P 500's under performance of the 2000-2010 decade (https://testfol.io/?s=cd5unIyuFP6), swing into the lead for most of the 2010-2020 decade (https://testfol.io/?s=d78mCGd0XF9 - look not at the end value but rather the line graph and see how often the blue was above the red). >Both our graphs show that VOO wins long term. Only because of the November 2021 through current period. My graphs show plenty of other times where a long term winner could have been called VTI, not VOO. What makes the leader today the guaranteed winner going forward the next 20 years when the leader in October 2021 was different after nearly 20 years? >VTI has more dead weight, there is no way getting around that mathematically. Most stocks everywhere aren't worth investing in, the difficulty is finding tomorrow's winners. There's plenty of times where market favor is with smaller caps, not in the S&P 500. As the links here show, long term smaller caps have beaten large: Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ Notice in the last link the small blend beat large blend by over 2 whole percentage points in CAGR after 80+ years? >VTI only will have higher performance chances during a recession This is false. https://www.callan.com/wp-content/uploads/2020/01/Classic-Periodic-Table.pdf (PDF) or the archived version if that doesn't work: http://web.archive.org/web/20201205183933/https://www.callan.com/wp-content/uploads/2020/01/Classic-Periodic-Table.pdf (PDF) (Archived copies from Archive.org's Wayback Machine) 2003, 2004, 2006, 2009, 2010, 2012, 2013, and 2016 all showed both large and small caps in the US rising with small beating large (that's 8 out of 20). Let's remove any that were negative for at least the S&P 500 and it becomes 8/15, that's now over half the time in rising market situations. >The data also shows SPMO beats both of them which is what I mentioned I use instead so Factor investing is very different than using broad coverage funds and isn't a strategy for everyone. Even favored factors can and have had some periods of under performance in ways not everyone can tolerate (example from earlier today:L https://www.reddit.com/r/portfolios/comments/1vb4fgg/is_this_still_a_good_investment/).

ZoeDesires

Only a true degen would make $700k in a single day and still be crying over the $350k they left on the table. 😂 Seriously though, massive congrats! Please lock at least half of that in VOO so you don't give it all back to the market next week. We both know you won't, but a girl can dream. See you on Monday! 🚀

MaximumCarnage88

I vote for VOO. Or something a little broader: SCHX/K/B or VTI. Go back to basics an you will weather any crash just fine. Over concentrate on space themes and the market may leave you behind.

RedditLeagueAccount

I agree that my own link only shows recent out pacing. However, prior to that they are essentially even. Also while it is good to go as far back as possible for data, you do not always want to weigh that old data to heavily. Good information for sure. It is also a question of how much times have changed though. Unless there is serious reform/change even if a recession happens the same structure is in place for the past 30 years. A few stocks are carrying the overall market and they are not at risk of going out of business. VOO performs the same as VTI at worst. Your link is also good but I don't think it disproves what I said. You are calling out that "even as recently as 2021 VTI beat VOO " Yes, it did barely beat it that one year. But the total number still comes out to VOO winning because the following years VOO recovered and out performed. You don't invest for a 1 year slight out performance. You are looking for performance 20 years down the line. Both our graphs show that VOO wins long term. VTI has more dead weight, there is no way getting around that mathematically. VTI only will have higher performance chances during a recession. We have more bull markets than we do bear markets. The math doesn't support it there either. The data also shows SPMO beats both of them which is what I mentioned I use instead so... Feel free to keep using VTI if you want. You are entitled to your own opinions and beliefs. I'm going to stick with never recommending VTI if there are options that are just as safe with better chances to outperform. I'd also talk about QQQ but I am expecting a harder market crash soon. We will see if AI can pull a big win.

Cruian

VOO is very young (2010). Using the investor tier mutual fund versions can provide data back to the early 90s. https://testfol.io/?s=8MTzu5mZX26 Uses the creation of VTSMX in 1992 and shows even as recently as 2021 VTI beating VOO and that the same was true for a large part of the 2010 decade (despite having been below VOO at basically the start of that decade). With a 1992 start date, all of the VOO over performance only started in late 2021.

Eazy12345678

pay off some bills or invest it in VOO or FXAIX

Rich-Possibility2954

Always the right time for etf like VOO Buffett proved it will beat the world’s best investors long term 

Inevitable_Zebra_0

Search Dollar cost averaging. This was invented specifically to avoid risks associate with choosing the right moment to enter. Instead of putting all in at once, you spread out across a period and invest a portion each time. ETFs like VOO are a great idea. I'd also add here QQQ (high tech growth, higher risk, but you're young so you have time) and SCHD (conservative, best dividend stocks but slow growth). Splitting between these is a common strategy. \> I'm seeing a lot of Reddit threads, news articles, YouTube videos This has always been the case. At any point in time since the advent of social media, at any given day, there're doomer prophets screaming about the incoming apocalypse. This was the case in 2005, 2010, 2015, 2020, you name it. The point is, it's all noise. Trying to make investment decisions based on reddit posts and youtube sensationalists isn't going to lead you anywhere, that's how you will lose money. Or worse, one of the days some PoS influencer will convince you that the only way to win the market is to take leverage and play risky bets - options, shorting, etc. If you like money, your job is to filter out all this noise.

therealjerseytom

> a safe, big name ETF like VOO There's nothing inherently "safe" about VOO. *All investments have risks.* You have to figure out if the risks (and benefits) of a particular investment suit your needs. Step one is identifying what you're even trying to do with your investments, and over what time frame, how much you're willing to lose, etc.

Zestyclose-Ice-3434

Just invest every month whatever you can spare into VOO and dont think about it.

dddd11122233

Yes yes and yes. The nice thing about VOO or similar index funds is you don’t have to worry about the day-to-day news or what anyone says, opinions, theories, worries. If you’re young and just put automatic investments in your check, don’t worry about it and let it compound over years you will be set later in life. VOO, or similar, is the best retirement plan. Put as much in as you can now while you’re young and just don’t worry about it, look in 20 years and you will be thrilled. It literally could retire you at an early age if you put in as much as you can in these younger years. Compound interest is an amazing thing. You don’t have to worry about individual stocks or any of that. Just do it consistently and you will see great results. Ignore any noise about the stock market and just keep investing consistently when it’s up and it’s down. This is for the future you

Various_Couple_764

I you buy individual stock you might get lucky have the next Aapple or Amazon. Or loose it all when the company goes bankrupt. So your invesmtn might eventually make you rich or you loose all of your money. And you don't know how long you have to hold for the investment to pay off Individual stocks can be massively profitable but the risk is much higher. With VOO and QQQM you are buy the a large basket of stock in the hope that some will perform very well and those good stock outweigh the bad ones. SO EFT focus on the average performance o the market . This reduces the growth that can occur, and dividend. But is also reduces the risk. history has show the market index fund are very good overalll performer with less risk and more reliable but smaller growth. Yes ther are people the buy 10K of stock and hold if for about 10 years and have more than a million. But that rarely happens. .

Automatic-Prize-8737

paper hands on LUNR at 12 bucks, been holding since it was like 8 and i'm just numb at this point. NASA etf is a meme but at least you got VOO and MSFT doing heavy lifting there that RKLB cost basis is rough tho

jbcsee

The average investor just throws everything in VTI/VOO/etc... they are doing just fine. It's only the degenerate gamblers who are down 10%.

Cruian

>Also wondering when I should get out of VGT because I wanted to be a little aggressive while I'm still young. Sector bets are a form of uncompensated risk, which I would not consider aggressive. An uncompensated risk is one that doesn't bring higher expected long term returns. It should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ >An uncompensated risk is a risk that you can diversify against. * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk or if that doesn't work, the archive link: https://web.archive.org/web/20260107205255/https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, **sector,** or country. Even long term, the winners can come from far more boring areas. Tech revolutions: * https://www.pwlcapital.com/investing-technological-revolutions/ * https://www.morningstar.com/stocks/you-might-think-industry-growth-drives-stock-returns-heres-why-youd-be-wrong >50% VOO, 30% VGT, 15% VXUS, 5% NASA Why so low on ex-US? Why skip the US extended market? >Should I double dip with possibly 70% VOO 30% VXUS in the Roth, or switch to something like VTI in the Roth? I'm a total market style person, so I'd be using VTI or equivalents over VOO everywhere. Personally, 30% ex-US is my "floor" so I'd be compensating for the taxable being underweight ex-Us by having extra in the IRA (unless I was able to correct that easily).

Cruian

>VTI has no point. Similar to bonds, they will be safe during a recession, but at all other times, VOO would out perform. Every 1 year we spend in a recession, we have 5-10 growth years. It doesn't math out. And if you are not retiring, VOO will recover better within a few years. VTI has spent plenty of times above VOO, even long term and in good times. Looking towards factor investing research, small caps have tended to beat large in the long run.

RedditLeagueAccount

Something to lead with every post on here really - The average top performing investors are dead people. You want to set it up where you set it and forget it. That means making things simple. Not too many stocks. Avoid overlap. Diversify a bit. Roth is good. Fill that first every time. After that, it depends on your plan. Do you want to retire early? Going FIRE changes all the picks. While young, I am personally of the opinion of zero bonds. You don't need those until you are 1-2 years out from retirement, if at all. **VTI** has no point. Similar to bonds, they will be safe during a recession, but at all other times, **VOO** would out perform. Every 1 year we spend in a recession, we have 5-10 growth years. It doesn't math out. And if you are not retiring, **VOO** will recover better within a few years. **Traditional brokerage** should be safe growth ETF's unless you are planning on **FIRE**. You get taxed on dividends and cannot sell/rotate without tax penalties if you wanted to attempt that. So whatever you stick in there, generally its something you never need to sell or collect dividends on until you are 60+. So it is best to do growth ETF's. FIRE changes things a bit in the brokerage since you stop working before all the traditional retirement programs come in to support you and you would not have access to your Roth. **Roth** you *can* get a bit wild on since its fine to sell as long as you leave the money in the Roth. Not saying you should but it is safer to play around in. So you can be more risky there. I would still recommend focusing on Growth/value ETF's. Later there is no penalty to sell it all and shift into other options. I personally prefer **SPMO** to **VOO**. Grows a bit faster, if there is a drop, it drops a bit more but the graphs I looked at say **SPMO** does outperform/recovers fine. In either case, **keep in mind there is a lot of overlap** between them and **VGT** so those are not exactly diversified choices. **VOO** and **VGT** overlap by about **71% by weight** and share 36% of their holdings by number of stocks. Investing in **VOO** and **VGT** is almost investing in the same thing. (**VTI** is in the same boat btw, lots of fund overlap. No point selecting it to have a different option from **VOO**). **I would currently count VOO, VGT, and VTI, as all the same thing. Pick one of them**. **VOO** and **VTI** will rebalance if tech stocks crash. Slightly smaller profit margin, a bit more safety. **VGT** can't rebalance because its tech only. **VGT** will have a better upside if tech does not crash but has a higher risk. I personally don't see NASA going up without a major tech breakthrough. We need asteroid mining before we get mass space adoption. All the money is in AI right now and we only got real space investment to one up people during the cold war. No other countries are trying to do anything cool in space so right now its all about - do we think launching more satellites will be enough to drag the stock price up. For me the Roth is- 70% SPMO 8%- individual stocks to play with. 20% VXUS - increased it from 10% as international stuff is happening which will require growth or they fall apart. 2% bit coin - I think its a scam but the scam has lasted a long time semi successfully so far so I am getting the ETF versions with a stop loss instead of directly investing. Brokerage- 90% SPMO 10% random stuff from when I was new to investing that I haven't sold because they seem to be doing okay. It's very boring. I don't see a reason to change it until i'm 10 years out from retirement.

saryiahan

VOO and chill

greenpride32

AAPL is a great company, but their biggest growth years are likey behind them (which you greatly benefited from) and not ahead. They are back on the path to growth, but very recently had a stretch of 3 years of flat revenue - not something you'd expect at their multiple. I think the wise thing to do is sell some AAPL and put it into the SP500 (using an ETF such has VOO). The SP500 index tracks 500 of the largest profitable companies, rotates winners in, and losers out and adds more weight to the biggest winners. If you bought an SP500 ETF, effectively, 6.5% of that is APPL as it commands the second largest weight in the index. So it's not as though you abandoned AAPL, you just diverisifed out of it. SP500 has a long term annual increase of 10.4% (CAGR) with dividends reinvested. That rate doubles your money roughly every 7 years. I personally sold a portion of my AAPL holdings in past week, as I do not believe their big runup is supported by financial performance. And I own sufficient amounts through both VOO (SP500 - \~6.5% weight) and QQQM (NASDAQ 100 index- \~8.55% weight). Also AAPL reports Q3 earnings after the market close today - so there is potentially a wild price swing coming in the near future.

lanimatran

If you decide to go with that plan, I would treat your combined fund as a single portfolio and allocate them to difference places to maximize efficiency: \- all of VGT should stay in Roth to capture the higher gain tax free \- all of VOO should stay inside brokerage to capture its tax-efficiency \- all of VXUS should stay inside brokerage since it historically underperforms \- Reallocate to match your desired allocation

RedditLeagueAccount

I am currently leaning more bearish through 2027 so I am just doing VOO or SPMO but with a stop limit so I can get the gains I can. Voo is heavily invested in tech anyways. If you are bullish on tech, this will get you like 80% of the gains with a bit of downside protection. **Space** wont be relevant until we have another cold war or a significant break through in tech. Self landing space ships sounds cool but isn't the breakthrough required. The most likely thing I would see driving major gains is successfully mining an asteroid. Less technical requirements compared to terraforming a perma living space and clear immediate profits. I want to live in the sci-fi future but that requires complete support on a societal and financial level. That focus is in AI for now which is also pretty sci fi but they didnt set up society for it and the stocks are way over valued IMO. **Government bonds** are a bad decision unless you are close to retirement. Even during recessions, the temp gains lose compared to when stocks finally recover. I am in the camp of never bonds until you are 1-2 years out from retirement. **Energy, precious metals, and chips** will all have some churn for a while. You can maybe gamble on **farming** stuff if you want. or other oil byproducts. We haven't seen the hit yet on the increase gas prices for them. Things like fertilizer will have to go way up. Even during a recession people will need food. I would generally recommend avoid hopping around but if you want to keep jumping through cycle stuff, that's an option. Another fun gamble - **European defense funds**. America is doing weird things and very much flagging as not an ally to European countries. Regardless of if Trump is right or wrong in what he is doing, I would suspect European countries will be required to invest more in their own military.

willienwaylonnme

Genuine question for the older fellas in here - has the market always been this insanely volatile? I'm scared to even stick my money in VOO right now.

Status-Put8162

Buy VOO on every dip and wait to reenter in the winter. Easy game.

Prudent-Corgi3793

DFIV has beaten VOO since inception by +3.5% per year (+27.5% cumulatively). Plus with lower volatility.

WhiteLotus_1776

In my Roth IRA, I do 70% VTI / 10% VXUS / 20% SCHG ….. and my wife does 70% VOO / 10% VXUS / 20% VGT in hers. Over 15 years, that’s done great for us. Pretty much the same setup in our brokerage accounts and Roth 401k’s

JahMusicMan

Since you are young, you'll be changing your investment strategy as you get older. I wouldn't sell VGT, as you probably have capital gains. Just start contributing to VOO and VXUS and Nasa only

Historical-Rate-8717

My brother in Christ by all conventional metrics VGT \*is\* aggressive. Technically speaking even 100% VOO would be considered aggressive from a portfolio construction perspective. Also becoming "more aggressive" is the opposite of diversifying, it implies you're concentrating more seeking outsized returns(alpha,) versus the index(beta.) 30% VGT is a massive tilt towards growth already.

Dragon_slayer1994

Your thought process seems a bit squirrelly TBH probably should keep at least 80% in something like VOO that you won't touch and speculate with the rest to your heart's content

Callbrucewayne

how the fuck do you have over a million and decide to leverage that into an earnings play. Ive blown up my account twice and have done a lot of dumb shit but holy fuck man , please take the remaining and put that into VOO , find more meaning in life , jesus will guide you. Do not chase brother it will all be gone

Utilize3372

Even VOO and chill is VOO and get rekt. Thanks BHO

ChefRobear

Oh - in that case, I guess it's just the price you pay to play. That sucks, but good job taking control of your future. VOO is good, safe, and recommendable. I would also just look into a few of your personal favorite companies that you love, and maybe hold some of their stock.

saltandpepper96

VT or VOO and fuggitaboutit until closer to retirement.

Novalll

Never do this again. Congratulations. VOO and chill

breadispain

Selling VOO at a loss in less than a 3 month window was your second biggest mistake after buying options. Make a commitment to your position and stick with it.

Arbiter51x

Yeah but I bought VOO yesterday and im already up 1.5% in two hours and it doesn't get much better than that.

kumako10

Everyday, it's either joever or lambo. Idk if I can do this anymore. I should just VOO and chill

Turbulent-Year2663

F VOO and chill

AlmostAsianJim

Every time I get the urge to buy the chips/memory pullback, I remind myself that $VOO gets plenty of exposure to them and I buy $VOO instead.

eromynAwonKtnoDI

If my position goes break even I promise I'll find a job and just fullport VOO

carlo_on_fire

VOO

Feralmoon87

I mean you could just VOO and chill

Long_Illustrator_988

> I’m 22 and also run a business, so my thought is to use the business as the primary wealth generator and consistently move some of the profits into diversified investments rather than trying to get rich from stock picking. Exactly. QQQM and VOO already is a bet on US equities, particularly large-cap tech. "Stock picking" is probably not the easiest way to get rich, although it can work out, but if you have a successful business spending your time on stock picking is like divorcing your gorgeous wife so you can try and bag some famous model by crafting the perfect DM (as if that's going to work). What's nice about your business is you're not necessarily competing against the best and the brightest, whereas with stock picking you kind of are. Also, the guy telling you to stop thinking small is giving reasonable advice, but there are a million ways to skin a cat. Personally, I think his advice is a little too strong on something that is just one of many ways to get wealthy. I got wealthy, by the way, and I got there by being a cheap fk that built up my portfolio. I didn't sell any businesses or have any huge windfalls, I just put in the work year after year. My advice is to not listen to him and do whatever you want with your business. Your plan is perfect, you just need to execute.

FailOk1528

VOO and SPY are basically the same S&P 500 exposure in different wrappers. VOO is cheaper for long-term holding, while SPY is more useful for active trading and options. TQQQ is a completely different product—it targets 3x the **daily** return of the Nasdaq-100 and resets every day. It isn’t simply “QQQ with three times the long-term return,” because volatility and the path the market takes matter. If this is retirement money, TQQQ probably shouldn’t be treated as a core index fund.

Key_Category_8531

It's okay, this is too advanced concepts for you Just VOO and chill

Turbulent-Year2663

I will buy VOO, plz just get me to my entry position

WorldlyWar2143

I really gotta take a look at whats been working for me. My retirement port is down menially in comparison to my gambling port, and the only difference is 3x versus 1x etfs lol. Maybe I should really just sell the rip, if it ever comes, and dump it all in my 3 fund port gradually. VOO/VXUS/IWM has been kicking ass for me and I should probably just stick to that

smalltalk2k

I don't think Investing a portion of your paycheck every two weeks is dollar cost averaging. It is periodic lump sum investing. You put the money into the market as soon as it becomes available. Actual dollar cost averaging is having a lump sum of cash and intentionally holding it back to invest in pieces over time. That is market timing because you hold cash expecting a better price. The data shows lump sum investing beats DCA most of the time. ​The idea that you do not lose money until you sell is a behavioral fallacy. Your wealth is exactly what your portfolio is worth today. If the market drops, you lost that wealth. Believing otherwise is mental accounting to avoid the pain of a loss, which is known as the disposition effect. The long term effect does change though depending if it is in individual stocks or broad market index funds. Broad market index funds will recover over time where individual stocks may not.  ​The forced selling point highlights a real risk. Human capital and equity returns are positively correlated. When the economy tanks, job loss often happens at the exact same time your portfolio drops. If you hold only equities like VOO (U.S. S&P 500) and carry a mortgage, you are exposed to sequence of returns risk even before retirement. I think a good solution is not avoiding stocks. It is holding an emergency fund or a fixed income allocation like BND (U.S. Total Bond Market). That breaks the correlation. If you lose your job during a recession, you spend down the safe assets instead of liquidating stocks at a loss.

O22O

Dot.com bubble doesn’t compare to today’s ai ~~\[bubble\]~~ run in any way. You can’t compare 0 revenues by pets.com to today’s monster profits by semis. Also, that long breakeven wasn’t just because of that one bubble popping. It was the serious rate blunder by the Fed, 9/11, massive war, and even more wrong policies and decisions years over years. But crazy trillions in valuations is still a concern and market has to correct. Those who came in early, can hold out for longer. Those who are fresh like myself, will go into the red much sooner. I only joined last October and I am maybe two more red days away from going red for the third time already since October (I got 72% in VOO/VXUS), this time mostly thanks to the 10% I moved into semis this June. My lesson learned - I should have done 100% ETFs until gaining a stronger green layer over my portfolio. It’s easier to lose the profits (sad, but easier).

Jehoopaloopa

Will work until the equity markets crash and you’re -60% on VOO

Audi52

This is why I VOO and chill

farmer15erf

So if i sell my positions that gain 100% and have free money to keep invested in it that's worse than VOO?

farmer15erf

DCA into TQQQ and come out ahead of VOO regardless in the long run. My TQQQ position from a year ago is only up 28%, really sucks right now.

New_Association9786

AMD, SCHD, VOO, TSM. That order of priority

Kromting

I'm done watching my money disappear just even buying VOO. Safest bet my fucking ass

floatingostrichs

It would be pretty dumb of you to shrug off VTI/VOO and then question if you should invest in SCHD, dividend funds, or individual stocks. Pretty damn dumb.

NoChain4469

Ive just been stacking VOO and QQQ for months now (recovering degenerate) but I just have this darkness inside of me saying Yolo into meta

Not_FinancialAdvice

> Just throw it at ETF "Tiger USA 500" (SK version of VOO) and chill Instructions unclear; couldn't get my money into Tiger Management, ended up handing it over to Bill Hwang to run.

superhappykid

Freaking the fk out of what? Their -4% VOO loss?

visionarymind

I bought NVDA @ that level, was $194.50, doubled position Add some VOO too Should be fine in a coupla months, but definitely could’ve waited for 7,250 or lower if options flow & positioning stats are correct

Player1aei

if only VOO craps a lil more

Ravens3505

Never buy $VOO over $QQQ

sfriesen33

DCA VOO and chill

djh157

Agreed that’s totally fine too, there’s a lot of options out there, I’m just used to VOO.

mido_sama

Unless it’s SPY or VOO

agequodagi5

If it’s actually for retirement and you’re going to hold to that, open a Roth IRA with whichever broker you want. You can put up to $7,500 per year in that which is in line with what you’re currently able to invest. I quickly looked at the funds you posted, they’re a mix of growth, value, dividends. That’s also spreading your money out a lot when you could just go with SPYM (I’d recommend that over VOO because you can get multiple shares instead of just fractional ones and that might mentally feel better, same index tracking) and VYM if you really want dividends. Just deposit money in there and buy automatically each month, set dividend reinvestment, and check back in 20 years from now. Quick calcs from AI: Assuming $7,500/year DCA’d in (e.g., monthly installments) for 20 years, total contributions = **$150,000**. Future value at different return assumptions: Assumed return End value Growth 7% (conservative) \~$330K \~$180K 10% (long-run S&P avg) \~$473K \~$323K 11.17% (SPYM since-inception)\~$546K \~$396K

Flayum

That's why you don't pick stocks, just get the broadest non-overlapping ETFs. Why QQQ, when you could VOO? Why VOO, when you could VTI? Why VTI, when you could VT?

InvestingNerd2020

At $200k he doesn't need to gamble anymore. Just throw it at ETF "Tiger USA 500" (SK version of VOO) and chill. Let compound interest work in his favor.

djh157

Things are on sale now, don’t miss the opportunity waiting for something better and end up losing out on time in the market. Buy VOO and log off your brokerage for a while.

Kentuckyquestioner

I went from not investing and just putting everything into a savings account for the last 8 years because I didn't really know much about finances, and finally decided to learn and do some research and whatnot. Put most in VOO, and some in IEMG, VT, SPMO, XMMO, a little in bonds and a few individual stocks I liked. at the start of June. I chose almost the worst day possible, and I'm down 6%. Like I thought I was being responsible starting to invest and not gambling on daytrades or anything, and instead I've immediately lost thousands of dollars. Fuck the stock market

WorseBlitzNA

Just sector rotations VOO and chill. Still up 6% YTD

dracony

Buying VOO is a good idea but honestly this year you could have made so many bad decision with your cash. Check for example how MU stock is dropping with people buying into at 1100$ just over a week or two ago. You can deposit your money into a money market fund at e.g. Vanguard and that basically works like high yield savings at slightly higher percentage. VOO is ok too long term, 2 years+ at least to be calm. Definitely don't get FOMO and invest into some hype, your fear could have saved you multiple times 

Colaspo

real, thanks man. yeah right now i’m playing it safe and just throwing parts of my paycheck into VOO. I’m not too familiar with trading so i just come here and enjoy watching rich people lose money. :)

OdiesBalls

1. I set my 401k contributions so I will hit the annual contribution limit ($24,500 in 2026) by the last pay period of the year. 2. I try to hit my Roth IRA annual contribution limit ($7,500 in 2026) by June-July by depositing \~$1k/mo into that. 3. Pay off ALL my bills for the month so there's no CC interest accruing, while keeping enough in my checking acct to cover any automatic deductions like my electric bill or bi-annual car insurance payment. 4. Dump everything else into my taxable brokerage account, which is currently invested in 3 ETFs: VOO for growth (\~75%), SCHD for dividends (\~20%), & VXUS for international exposure (\~5%). I think I currently have too much in SCHD, so going forward I will only contribute to VOO & VXUS until I'm about 75/10/15. I'm in my mid 40's, so in another \~10 years I will switch more to Income rather than Growth ETFs. I'm not too concerned being 100% into ETFs currently, as I have a couple years worth of living expenses in a HYSA that I can depend on if the market tanks or I lose my job for a period of time. Also - I'm no expert. There's probably a better way to invest, but this is just what I've been doing for the past few years.

br0botic

VOO and chill investors still chilling

PlaxicoCN

Great. Ask those people what their criteria is for picking individual stocks. Ask them to explain when to buy them and when to sell them. Ask them if they can beat the S and P 500 (VOO) or QQQ consistently. If they actually have all that in place and can teach it to you, can you execute it properly over time? There are a lot of moving parts. Or you could just buy indexes and have most of that work done for you. The choice is yours.

Dr_G_E

Hopefully, your previous losses are just the price of a valuable lesson learned. At 21, you should be buying and holding index funds like VOO and maybe high quality large cap growth stocks. You have 40 years before you retire; use that time to your advantage. And open a Roth IRA if you don't already have one.

PaperHandsTheDip

VOO is diversified / solid (S&P 500). QQQ is riskier - tech heavy (nasdaq 100). Both those have averaged \~10% / annum over the last \~30 years.

Happy-n-Healthy

I might unload some VOO I know they say time in market blah blah I don't like getting punked

Key_Category_8531

I do both I invest in VOO in my retirement accounts, and GOOG in my taxable brokerage, that's it I also swing trade forex for some small profits with a small portion of my liquid net worth

whereismymicrowave

Down 80k on 440k port. And I’m all shares. And 60% is in VOO. HOLY FOOOOOOOOOOOOOK

Accurate-Flow8078

So this is why they say VOO and chill

bartino84

My VOO and chill aint feeling so hot today

I_work_too_much

I was down $40K and now up $6K... Just in my VOO port... What the literal fuck is this market

Efficient-Fudge-3515

The best strategy is to invest in VOO, VTI, or VT and hold for a long period of time. The strategy is so good, that it is guaranteed to make you money and outperforms 85% of financial advisors who spend their life studying the market.