Reddit Posts
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
$100K in VOO when you hit 65 is $7.29 Million at 10% returns. Even $3M at 8%. Next time give me the $100K
VOO is heavily concentrated in tech anyway. If you're in your 20s/30s, its appropriate to take more risk.
Sure but that’s an awfully small window. Overall, sector chasing is high risk. Plenty of people also pulled out of NVIDIA way to early and would have made more resting on VOO. People have been calling the tech bubble for years now, and have lost out on a ton of gains. VOO automatically rebalances for you quarterly.
First, take a breath. Second, just tune out the news and don’t look at its price for a while. It’s a strong company that continually meets or exceeds earning expectations. The demand for its products isn’t falling any time in the near future. I had extra cash laying around and dumped $50K at once into relatively safe options (VOO, GOOGL, NVDA, UNH, BRKB) in September/October. I’m down on every single one except BRKB which is only slightly green. But I’m not worried because I’m invested over the long term. I hope you take a few lessons from this experience: 1) Don’t dump a huge portion of your portfolio on one stock. 2) Buy ETFs. They take the risk out of investing and will inevitably rise. You won’t get rich quick but you will build wealth slowly and consistently. 3) If you needed this money in the short term, stocks are not an appropriate place to store your money.
VOO NO https://preview.redd.it/150lm75nqm2g1.png?width=498&format=png&auto=webp&s=f50eb38d10732a789e37ed163661af133a9f135b
Sure but not everybody is VOO and chill and the people that were concentrated in tech the last 5 years made multiple times more money than diversified people. Rebalancing happens all the time whether it’s smart money or retail.
VOO and VTI are just market growth. I recommend 50% to 60% of your investment in them. Try to allocate 30% of your investment in Growth oriented. It’s a very important advice that could change your wealth in 15 years.
Thanks! I just opened a vanguard account and I’m investing $500/wk (to start) into those funds. Have just two, VOO and VTI.
Well. You sell when you have something urgent to pay for. That’s the purpose of your wealth. What you’re feeling right now is the bubbling fear in the market. All time highs. Right near the time when things pull back. Last time the cycle was 2022 in January. But you’re 15 years left in accumulation. Set your stuff to automatic. Don’t check your accounts all the time. There are always compelling reasons to run for safety. Emotional reasons. You say stuff to yourself: I’m reallocating. Rebalancing. Taking market considerations into account. All rationalizations. Sell when you have something urgent to pay for. That’s it. If you want to shift your new purchases to bonds. Cool. Do that for a while, but go back AND CHECK if your decisions were correct. You will likely find you should have just stuck to VOO and QQQM on an auto weekly basis. Best of luck.
You may want to look at vanguards target date requirement funds - like for you something for 2055 - they manage the investment in the VOO, VT, etc and then slowly migrate into bonds and the like as you near retirement age
Of all the tickers in the world, why would you choose SPT?? 🤯 OP is betting on IPO open price to hold. Did you zoom out and noticed it has been selling off since 2021. It has lost 93% since ATH, and no reason for it to bounce just because it lost that much. It can actually go another 90% down and maybe it’ll trade below $1 in a year. Never buy stocks thats making new lows. It’s gonna keep dipping and it’ll be painful for you to wait for it to recover. Maybe few days, maybe few years, maybe never! All the best to you! Here’s a monthly chart for you. Salvage while you can and rather buy VOO https://preview.redd.it/8gtpxha2fl2g1.jpeg?width=1290&format=pjpg&auto=webp&s=3aebe259a4f6c779d269af29895cfc8fd7a56538
Genuinely concerned? Just VOO and chill, bro! ^s
In that case VOO or VT are both solid set it and forget it options
If you aren’t making money in the long run you are clearly doing it wrong. Take ur tinfoil hat off, put ur money in VOO and stfu.
That volatility caught me today - it was like Wall st saw me coming from a mile away. I dumped all bonds, and bought VOO near the open when it was up 1.7%. I look a few hours later and it’s down 1.7%. Nice 3.4% slap by Wall st for me.
Just loaded up on VOO. I’m pissed because I bought at the open today, when the S&P was up 1.7%, only to see it end the day down 1.7%, but I am never, ever selling.
Rediculous question, because investing in maybe 3 would be far better. * 5 years SGOV * 10 years VOO * 20 years SPMO
VOO is better for lower fees. There are many other lower fee index etfs that I don’t remember the tickers than SPY for buying shares.
This isn’t a joke. Buy VOO for a lower fee ETF than SPY. It’s an ETF for the S&P500. Alternatively if you want to be all in on the big tech names, QQQM not QQQ that’s the old one. QQQM is the same company that made a cheaper fee version for retail investors. It’s the nasdaq 100. This is real advice. Most of your port should be in S&P or Nasdaq index. Don’t buy BS small cap companies with no profit.
First off, you need to put all of your money in something like VOO and go away. It is clearly you simply don't know how the market works nor the propaganda, marketing, and selling works around it. Analysts arn't experts in anything aside from selling what they are told to sell. Most people don't invest based on who works for companies, what companies tell everyone about their business, not what a company has actually done. If you want to keep investing in individual stocks, then slow down take your time and find really informations, not the bullshit you posted above.
I just sold my bonds and went 100% stock (VOO,VT,QQQ). I’m tired of trying to time the market, and I will hold all stock until I die.
Exactly. So when they drop, voo goes down 20% and the nasdaq 25%. So take the 20% loss and switch to enjoy the 25% recovery. Remember I’m saying to do this on a BIG dip. rn I would be in VOO too.
Then you will avoid the wash sale, but you have sat in the sidelines for a month. Most people would immediately reinvest in something similar to stay in the market. For example, selling VOO and buying VTI. With ETFs it's usually possible to find something similar but not identical.
I did consider QQQ but I feel like VOO is a safer option. QQQ can be quite volatile whilst VOO is pretty boring but stable.
Yeah man these are trash small caps. They’re good for a trade sometimes but these aren’t the types of names you hold. You put 80% VOO VTI or QQQ if you want more tech risk on. The other 20% should be more speculative names. Probably less than that for starting out until you have lived through a few up and down cycles.
A lil barbell regarding risk but I wouldn’t shake a stick at that portfolio. Move the VOO to QQQ next BIG pullback, been outperforming the s&p for decades (though admittedly not cheap rn, so on a deeeep pullback a la April)
I have VOO, VT, Gold and a Silver ETF, NVDA and Goog which is the bulk of my Portfolio. Majority in VOO. These are what I hope will be a good foundation. Palantir I would say is medium to high Risk. My speculative ones are Rocket Lab, MVST and BMNR. Think I'll ride these ones out, If they go to zero its sad but they are my gamble speculative stocks. Also 10% in BTC and ETH
Don't look at that VOO today... yikes.
Bro VOO lost $20 intra day...I have 4400 shares of VOO and I started the day up nearly $50K and ended $44K down lmao...I WAS NOT FEELING CHILL.
I DCA every day jackass. VOO. Go pretend to be rhetorical smartest person in the room somewhere else.
Earnings reports are an odd bird. You basically have the following possibilities: * Market jumps up because exciting and unexpected news happened * Market basically stays flat because they hit their targets and expectations were already middle of the road * Market is surprised by bad news. Failed to meet expectations For Nvidia the market already expects them to eventually own the moon so it’s hard to beat that expectation. Secondly, Nvidia did meet expectations, but one has to ask whether meeting or slightly beating expectations is good enough to justify their current price or if 3,000% gains over the last 10 years is worth taking profits on right now. Finally one has to ask whether every single VOO, SPY, etc etf should be weighted so heavily towards Nvidia’s success considering that they are supposed to be diversified. My opinion is that the initial after hours excitement over earnings was exuberant on the simple idea that it didn’t cause a market collapse. So exuberant that folks started taking profits. ***A lot of folks***. So many that it looked like bad news caused a reversal. Maybe this is the bad news maybe it’s just a Thursday idk.
The dip. Jk: standard VOO and stuff. Or individual stocks that have done well for me
I have a pretty simple portfolio for you. 50% TFLO 25% VOO 23% Gold 2% IBIT
**I’m a freshman in college, with about $6,500 in my account – what should I do to maximize my savings?** **I’m a freshman in college, and I’ve been working since I was 14, but for the first time in my life, I don’t have a steady income.** I’ve saved up money over the years, and most of it has just been sitting in my Fidelity account earning interest. Now that I am on my own and thinking more about the future, I want to start building an actual investing plan instead of letting my random positions sit here. I also have a few individual stocks I bought earlier, including NVDA, but my portfolio definitely isn’t balanced. I want to take my investing seriously, but I don’t know the best way to diversify without giving up potential gains. In my current portfolio, I have 0.061 shares of CRWD, 4.549 shares of FSPGX, 5.058 shares of FXAIX, 0.944 shares of META, 0.117 shares of MSFT, 19.006 shares of NVDA, 1.5 shares of SYM, and 0.797 shares of VOO. In total, my portfolio is up about 122% in 4 years. If anyone has any suggestions on how a younger investor should be thinking about diversification, long-term strategy, or even what mistakes to avoid early on, I would really appreciate it.
It’s because I decided to start investing in the VOO and chill strategy last month, sorry everyone
Its Friday time!! Time for my weekly 1k VOO purchase ✌️ hope yall are enjoying yourselves. Remember to get on with your life, grind income and dca - dont skip a week no matter the price action.
If you're only going to have two ETFs and one is VOO the other one should be VXUS.
VOO and SCHG have 55% overlap according to this tool: [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) As such, yeah, they both grow at the same time, largely due to the same companies. VOO, however, is less tied to a handful of tech companies compared to SCHG, and VOO pays a better dividend, IIRC.
I'm really not sure what your problem with the buybacks are. As a shareholder of NVDA (to be fair through VOO/VTI), I'm happy with the buybacks as they increase the share value without a taxable event like dividends. I already pay enough taxes.
I invest biweekly 250$ and this is my split. Should I change anything. I am only interested in long term investing GLD: 25$ SCHD: 25$ VOO: 25$ VWO: 25& VTI: 100$ VXUS: 50$ I want to have a more diversified portfolio just not sure how to do that. I usually lean more towards tech stocks but want to also get into green energy and bonds.
Just buy VTI or VOO
I put my full port into SGOV two weeks ago. I'm feeling pretty good obviously, but I'm not sure if I want to bet on a major correction or a moderate one. VOO 575 seems like a reasonable place to start.
I was thinking of taking 1000$ to invest in more stocks or etfs since the market is down, I was either going to put the money into nvda, Netflix, or buy more VOO, VOO is the only thing I hold right now. I was thinking Netflix since it might go up with the new season and some of the deals they have going on, but I am also interested in nvda since they may continue to go up, but I feel like I am late to nvda and the chance is gone
Look I'm going to give you honest advice. Most people here are salty and just here to bash. You mentioned something trust fun baby and they already hate you. If you're lucky enough to be that, just go over to like bogglehead. And stop trying to get insane gains. People here are just gamblers. Oklo, Hood, all these companies you bought literally skyrocketed for a year and are overvalued and their numbers don't justify their stock value. Don't try to be the guy the two and three X your money in one or two years. Look at the picture you posted That's you trying that. Focus on either really good fundamental stocks. If you wanted gain still better than VOO or VTI. (These are the US market), maybe stocks like GOOGL, AMZN, MSFT. They'll be safer and likely beat VOO (S&P 500). My advice go to like Bogglehead head. Go ETFs. Don't look at you money.
Biying VOO shares in Roth, kids ESA, & regular account.
Bro you could sell now for a loss and be better than 99.98% of the population You believe in it? Average down and chill. U don’t? Sell and buy VOO or sum ETF and chill. You’ll be good
Just buy VOO or VT you little piece of shit, stop wasting money gambling
I will say that it does suck that the market was doing so good at open and then fell through the floor later. NVDA went from about 6 up to about 6 down, VOO was 8 up and is now 8 down. Definitely not a crash, but it does suck.
Maybe i should stop trading and just VOO and chill like the boomers say
If you want to have an exact gain to the penny, then sell X shares at Y price. Why bother breaking it into two transactions? You think you're going to get closer to the absolute maximum of the tax bracket if you do 80% in one transaction and 20% in the other? Last year, only 88.15% of VFAIX and 95.9% of VOO's full-year divs were qualified.
Um...why not just do a tax-free exchange of VFIAX to VOO? I'm also not sure if you can sell VFIAX and buy VOO within +/- 30 days without it being a wash sale (since they are considered different classes of the same fund)? If you're trying to max the LTCG, sell as much VFIAX as that is now and then convert the rest to VOO. The cost-basis should transfer to VOO, and the dividend should be accounted for in the VFIAX pricing one way or another.
You’re right. I try to manage my money well. I don’t care for this money in this account, I will admit that much. I will try to regain back to 2k and then likely just buy VOO and hold. I know the risks. I’ve been studying options for a long time now, I see all the technicals and shit and I love it. I think it’s the greatest thing ever. I studied the Black-Sholes method for fun and to learn more. I understand the Greeks, the risk. I watch the news constantly. I watch technical factors every single day to try and gain an understanding. And yet this still happens and I believe personally this should show why you don’t do 0DTE. Yet I do. I have a problem and I admit it. Also studying Quantitive finance right now so this is just learning for me. Playing with real money forces me to try harder. I know I shouldn’t but I do.
got lucky but the universe course will always course correct itself... -150k in a span of one month was my sign to quit. im cashing out and going VOO only from now on… fuck this shit… peace out regards 🫡✌️
Yes I buy the same 3 stocks every 2 weeks, currently holding VT, QQQM, AMZN and then my traditional IRA is VOO and VXUS, if I could add more I’d DCA GOOG into my portfolio as well. I choose Amazon because i feel the stock is still undervalued so I felt more comfortable throwing more money at AMZN than GOOG when I started
* 70% VOO - US large-cap * 10% AVUV - US small-cap value * 20% AVNM - Ex-US
got lucky but the universe course will always course correct itself... -150k in a span of one month was my sign to quit. im cashing out and going VOO only from now on… fuck this shit… peace out regards 🫡✌️
VOO was -4.20 (-0.69%) for a second but I couldn't screenshot fast enough
but if people invested that $130/month, in VOO averaging 9% per yeah, at the end of 50yrs they would have about $1.2M. If we every have 3% rates similar to what we had in 2021-22, I would jump on the opportunity to get a 50yr mortgage.
Why not a mix of VOO/QQQ that's VOO heavy? Why does it need to be all or nothing?
VOO + FTEC or VGT instead
You can’t fully, also just because VXUS is down same as SP500 today doesn’t mean it correlates fully. Use a tool to compare VXUS with VOO and you’ll see for correlation
Is SP500 considered the "market" aka the benchmark when people say they "beat the market"? I was thinking of going 100% VOO couple months ago when I started but people adviced not to for the very reason to spread out the risk. Lol.. But thanks!
I’m 100% VOO and around your age. You can look at the underlying stocks in SCHG and see if it’s the companies you want. They will already be in VOO.
I added $100 to my VOO and saved the market. You're welcome
90% of those retards lose to VOO every year. Show me a fund that beats the market year-in and year-out that's liquidated.
I’m just buying VOO it’s the same shit at this point
Hey moron VOO is only down 1%. A bear market is 20%. A “correction” is 10%.
The key phrase from u/Mammoth_Drop_5486 is “spent a considerable amount of time researching this stuff and investing.” You as a D1 athlete should be spending your time optimizing yourself for your sport. That’s where your highest potential for earnings lie. Any stock market gains should be a bonus on top of the fat checks you cash from NIL deals and eventually (hopefully) an NFL team. If the stress or complexity of learning the market creates even the smallest distraction from football, you should hand off (pun intended) that responsibility to a professional. Your future as a high net worth individual is not worth self-directed gains now. Why take the risk and waste the time doing this yourself when you can easily afford a professional fiduciary? The way you’re compensated is already complex. Contracts do not remove income tax automatically the way a W2 job does. It’s on you to properly report this income and pay taxes on it. They will hit you with fees for doing poor math, being late or just missing a payment all together. You could even catch a tax evasion charge. Add in additional deals from local/national endorsements and other similar pay structures and you’re talking about at least a full day of paperwork. What I’m trying to say here is that you’re above this. You’re now at a level where your talent can out earn anything you can make in the market and the sums you’re dealing with have the potential to get stupid big, stupid fast. It’s ridiculous for you to spend time on things like adding up your deductions or ensuring you paid enough taxes. Also, athletes get taken advantage of or just flat out squander fortunes all the time, knowing a trusted professional is hugely valuable for someone like you who will be pitched investment and business ventures. If you really want to just invest yourself tho, just split 80/20 between VOO and an international ETF of your choosing. Adding QQQM or SPMO isn’t really diversifying. It’s just adding a really similar basket of stocks with slightly different weights 3 times over. Most index-based ETFs are already diversified. If you really need a third holding, pick up some precious metals or ladder some CDs.
Both are at all time high valuations. They might go up more, but who knows. At 25, I would through all my investments into VOO, which already includes a fair bit of both of those companies. Over time VOO tends to overperform any single stock pick.
I have to stop myself from wanting to trade SPY anymore. I can win for a little, but all it takes is one regarded 🥭 tweet to wipe it all out. I think I’m VOO and 🌽 from here 😔✌️
Been holding Cost for just over a year. Down around 5%. I don't plan to sell, but I don't know if I see even as much growth opportunity as even VOO. Anybody care to poor some optimism on that?
What if its more targeted than that? Owning VOO and SARK, TSLS, PLTD at the same time for example
Just did the math, if I left my portfolio in VOO I’d be up 21.5k YTD 😂😂
If that is the case, do cash. Owning VOO and SH at the same time for example is setting fire to money.
Study done by Fidelity showed that inactive accounts are their highest performing - because the equities in place capture all the long term gains - they don't time and miss out on jumps. Typical investment cycle for a person getting out of school at 20-21 and retiring at 60-62 is 40 years. There isn't a single 40 year window where the broader market index is down - in fact they're all up substantially. So I put all my money into the market at the peak of the dot com boom, I'm still postive (by a lot) today. If I put all my money into the market at peak 2007 before the financial crisis, I'm still postive (by a lot) today. Those aren't even realistic examples, so people who had some buys at peak, but many other buys at lows are even better off. I hold index and individual stocks for 7-10+ years (some nearing 20). Go look at any chart, VOO QQQM MSTF AMZN V MA NVDA AVGO NFLX. Some of these stocks dipped by more than 50% from near term peaks - what does it matter if I didn't sell at the lows? This is how you growth real wealth. You and I can say anything we want - but the chart doesn't lie. NVDA is up nearly 1,400% in 5 years. How many slices of little profit do you need to collect to match that?
VOO and chill to a certain degree.
I think the question is really do you want to be a long distance landlord? Me personally, I would not. I don't think you have a tax problem, your gain is well within the $500k allowed. And historically equity returns have outperformed real estate returns. The only real advantage with real estate is leverage, you have a bit of that here because you could keep your low interest mortgage. If it were me, I would only keep it if I thought I might move back in the next 10 years. I think mathmatically you are better off in equities and you're never going to get a call at 3 AM from VOO or QQQ telling you that the AC went out or the plumbing backed up and an emergency repair costs $10,000.
While it’s worth a small allocation, AVUV isn’t outperforming VOO like it really should. Ever since Tech became synonymous with Large Cap, Small Cap has lost some of its steam.
Honestly picking good stocks to hold for the long term isn’t rocket science. I believe that having a core base in a diversified index fund is importantly but I just don’t believe in this index fund purism that is pervasive on Reddit. It’s either hold VOO and VTI or your stupid. It makes no sense.
Hey bro I think I’m around your age (slightly older) but I’ve spent a considerable amount of time researching this stuff and investing. Definitely get out of SCHD. You don’t need an advisor if you keep it simple: some in VOO, some in QQQM, and maybe pick one more ETF for international diversification. That’s it, if you don’t want to always be managing your money. No need for a fiduciary advisor unless you want the security of having that sort of “professional” opinion
That’s the big underlying question. Let’s say you have $200k in equity and $1500 per month clear after expenses, which I think is being generous. That same $200k would have gained $30k in VOO depending on the moment you check given this week’s movement. Of course your mileage may vary.
Google is now officially my largest holding besides VOO. I was thinking over the next few months maybe putting in another 50k and just letting it sit for 20 years
Is selling SPY and buying VOO considered a wash sale?
VTI - Every US publicly traded company. Performs similarly to VOO/SPY but with lower deviation and less severe drawdowns. More diverse. Each of the Mag 7 makes up slightly less of VTI total holdings. VXUS - like VTI but for non-US stocks. While US has outperformed in recent years, there are cycles where non-US outperforms. Also, as the USD loses value against other currencies, it's a tailwind to VXUS. You might choose a bond fund that suits you (long, short, mixed, treasuries, munis corp, whatever), or a stock ETF to "tilt" your very diverse portfolio containing VTI and VXUS toward smaller cap or value or small cap value.
Exactly. Financial Advisors are worse than used car salesman. For the fun of it, I hired one of the top wealth management companies to control 25% of my total assets and I told them that they needed to beat the S&P 500 index (e.g. VOO) every year for 3 years straight or at least average more than my VOO portfolio for 3 years. Wanna guess how "well they did after their 1.25% AUM fees"? I'm sure you know the answer :-) I'm also a fan of QQQ (specifically QQQM) so I have some exposure to it as well but my core and primary holding is VOO.
thats my thinking as well.. some of my family members have financial advisors who have these big complex algos , and VOO outperforms them all.
I invested primarily in the S&P 500 index for most of my career and retired at age 49. There are many out there that think you need international exposure but I don’t subscribe to that philosophy (neither does Warren Buffett nor Jack Bogle). VOO and chill 😎
I just saw so many young running scared. People who had never seen a downturn...they expect a stock to double within months, as if it's totally normal. This was not even a downturn, hardly a blip, yet we saw fear. The S and P returns 10 percent a year , which I find amazing, yet others turn their noses up at it....it's enough to make even the average Joe very wealthy, if they buy and hold VOO. Sadly, most people Can't or won't get wealthy that way, because they'll dump their shares with a 15 percent drop in price
"It depends" but mostly avoid real estate. Had rentals. If you got in early when cost of entry was 'lower' (low interest rates and house did not appreciate as much at the time). But you either must now be local to the property to manage it, or give up a month of rent (not profit, but income) for someone to manage it for you (but you still pay for repairs and costs anyways). Lets just hope you are not in a pro renter state if they decide to squat / unable to make payment and decide to stay. Then lets not talk about if you decide you get a toxic renter that decides to trash the place which wipes tons of profit for repairs. Lets not count court fees, if you might violate any rules unintentionally and the time it takes for the legal system to run its course. Oh and good luck in any claims against the renter. Hopefully you got in early...and its appreciated...which in current market you wont want to sell but maybe good for long term if you are willing to hang on to it. Now if you can get a hot property in a high demand area...sure. And you likely will pay pretty high to get it too. Or I can invest into stocks and can liquidate anytime, part of it, or all of it. And as long I don't yolo into something like yieldmax and just go even with VOO/VT, I feel less risk in that...than chancing on a bad renter.
Dear OP. No it’s not. Don’t let fear keep you out of the best wealth building mechanism in the world. Buy VOO and hold it. When you get more $ to invest buy some more. The longer it stays in, the more you will make
XNTK. Is a good high growth etf that’s a bit different than your VOO and QQQ. Check the funds top holdings
It's biggest holding, NVDA, at about 8% of VOO, would make up just shy of 4% of your total holdings if you could parse it out from the ETF. You're all good, friend