VOO

Ski1990

I just looked at the make up of that fund.  Way too conservative in my opinion.  The whole idea behind these is you start collecting in 2055 when you turn 65.  And then you burn through it all by 75 because you’ll be dead by then.  The problem is if you make it to 65, you’re highly likely to live 30 more years.  I don’t want 50% of my money in bonds at 65.  I need 80% of my money still in growth funds because will still need appreciation for my spending when I’m 85.     It’s a conservative one size fits all solution.   Personally I have most of my funds in SPY/VOO. I don’t plan on consuming my principle and instead living off the dividends and growth. You can’t do that on a fund returning 3% a year. 

ignatiusOfCrayloa

First of all, the time horizon isnt a single decade for investments in an ETF, its multiple decades. Second, none of that eliminates what I said about active management being worse than buying VOO.

dekusyrup

VOO and VTI aren't fast tracking these stocks so then it would be irrelevant.

Jinshen16

VOO consistently is the best option if you don't have any knowledge.

ignatiusOfCrayloa

It's not about what I think. It's about the inherent unpredictability of the market. There's a reason why indexes like VOO outperform actively managed funds. The percentage of investors that beat the market in the long term is pretty close to zero percent. You don't even seem to be understanding what I'm saying, tbh.

No-Improvement3164

XLE up 100% more than VOO the last 5 years. VOO and Chill. 😂😂

Unique_Mortgage_7827

Moving cash from HYSA to taxable brokerage. No immediate purchases planned but want to maintain some liquidity while focusing some capital towards growth and long term holdings. Wanting so capture some of the potential AI growth. Been educating myself via most available online tools but looking for thoughts, opinions and recommendations. TIA $77k Total 30% Cash - SPAXX Core 30% Treasuries - 50% SGOV - 50% USFR 40% Growth - 40% VOO - 20% SMH - 20% AMAT - 20% LRCX

-TrueFacts-

VOO gang for life outperforms even thetacucks

No_Paper612

Jump into VOO once the sell-off happens, it’s impossible to say which companies will survive once the war is over.

StegersaurusMark

Utilizing derivatives and taking up short positions is kind of the antithesis of VOO/VTI and chill. That is what is pissing people off about this maneuver, as on the surface it looks like insiders are trying to leverage these relatively passive investors.

PapaCharlie9

VOO has **monthly** expirations, not weekly.

Leading_Sir_1741

My simple financial advice is to buy as much VOO you can while you have a paycheck and retire when you can live off the dividends. So… never.

reaper527

> What should I invest into which is also cheap? "cheap" is relative since everything supports fractional shares. given the level of knowledge you have about stocks (very low) and the effort you're putting in (minimal), just do etf's such as VOO or SPY.

therealjerseytom

Sure! So the comment from OP: > Space X (which will ipo around 2T making its s&p representation near 10%) Someone holding an S&P 500 fund, like VOO, will not suddenly find themselves holding 10% of it as SpaceX. I'm not even sure if that 10% math is correct to begin with, but it's more that the fundamental understanding is flawed. Of a company's total valuation, *only a small portion becomes available to the public at IPO*, and the S&P 500 is weighted by public float. So if SpaceX were to put out $80 billion worth of public stock, that's how it would be weighted in the S&P.

Educational-Shock-36

VOO and SCHD all day and night time to

Signal-Shoe-6670

If I were advising my own kid, I’d keep it very simple: Open a Roth IRA first. That tax-free compounding over decades is a huge advantage at your age. Then just buy the market (something like VOO or VTI or an S&P 500 fund) and invest consistently. Don’t try to pick stocks early, you don’t need to. Set up automatic contributions and let time do the work. That’s the real edge, time in market. You’re not trying to get rich quick—you’re building a system that compounds for 30–40 years. Do that, don’t stop, and you’ll be way ahead of most people. 📈. Congrats on getting started 👍🏼

NineSidedBox

Continue buying back what I sold early last month; VXUS, VOO and some JEPQ. If RKLB and ASTS dip again, buy again and sell for 10-15% profit a week later, again.

meandjarvis

Roth IRA is the right instinct, max it out every year, put it all in VOO or VTI, and don't touch it until retirement. That's genuinely most of what you need to do at 20. Starting now with even small amounts gives you 40+ years of compounding that someone starting at 35 can never catch up to. If your employer offers a 401k with any match, contribute at least enough to get the full match first, that's free money. Beyond that, a regular brokerage account with the same index funds works fine. The strategy isn't complicated: Roth IRA → index funds → don't panic sell → repeat for 40 years.

magic-grits

Probably OPs employer has a retirement plan that lets you choose your investments but only has a select list of funds to choose from. Most have an S&P500 fund but they are not all identical to VOO. So whatever S&P500 fund is available.

SerMumble

Roth IRA is a tax free account and that's very good to max out yearly when you are young. Start with opening a schwab, fidelity, vanguard or similar account, creating a roth IRA, and buying a money market fund like SWVXX for schwab for example so your money is doing work while you plan your portfolio. I recommend the S&P500 index like SPYM, VOO, SWPPX, etc. Or a total world index like VT for example. These are general starters to research around. More aggressive growth funds are like QQQM, SPMO, SCHG for example are the best for your age. Small strategic satellites might be individual stocks, dividends, international, small cap. Don't get carried away with these and some people are fine not buying them. Don't waste your money on bonds, reits, crypto, and weird stuff. Dollar cost average consistently for success.

zxc123zxc123

Hey at least we can agree that there is some BS. I also came to the conclusion that BOTH: 1. AI/Mag8 being fake hype and an AI bubble 2. AI/Mag8 actually disrupting SaaS with AI Can't both be true. Or at least not true to the extent that the market is pricing. Congrats on reaching 1st order of effect thinking. That makes you smarter than the average WSB regard. Sadly 1st order isn't worth much when there is 2nd/3rd/4th/5th/Nth. >Positions: Puts on QQQ, XLK, XLF. Long duration. I'll go with MSFT/MAG8/VOO + reserve of gold/STnotes. If it dips buy more. I'm also bearish on the market/economy, but being a 🌈🐻 is hard and often a loser's game. I'd rather be defensive and keep buying dips.

ChokaMoka1

VOO and chillax

ChokaMoka1

VOO and chill 

Zeets_da_man

VFFVX the target date fund mentioned has an expense ratio of 0.08% vs VOO which is at 0.03%. This comes out to be $50/year cost per $100k invested. Not that huge but it is a cost. Hands off is relative I guess, Target date fund is set and forget for 20+ years. VOO could still be set and forget for 5+ years.

zachmoe

A healthy amount of Bonds, The S&P500, Gold, and Bitcoin. Something like 50% TFLO 33% VOO 15% IAU 2% IBIT

need2sleep-later

VOO is just for the boglehead hodlers

Legitimate_Treat_762

i think you should max out your 401k. i've done that my whole life and it's worked out pretty well. I think you should get in now and DCA. maybe every friday for as long as you can. SPY or VOO

AdamGSMA

Certain ETFs would likely include it as a holding, including index funds like VOO if it’s listed in the S&P 500. You can also buy SATS which is tied into SpaceX and has already seen considerable gains recently.

greenpride32

I have been in the market for over 25 years, holding SPY shares dating back to under $100 and plenty of SPY/VOO from $100-$500. Thanks for the luck, but I don't need it. While you're guessing (gambling) on all the little dips and bumps here and there, I've captured every penny of SP500 gains over the years and grew my net worth; not to mention all the distributions. When I was in accumulation phase, the dips (though it didn't seem like it at the time) were actually much more benificial in the long run because it allowed me to acquire more shares with same dollar amount.

alexnsx

Fk man as soon as I hit a few million I would've dumped 2 mill in VOO and 1 mill in a bank account and just peaced out to SEA.

kasper918

Yeah buy ETFs like $SCHD $SCHG $VOO $VTI

Realistic-Ship6209

I don't know where you get your information from but I see investing as two camps. Those trying to make money quick and trade on momentum (The rabbit). This can be done but the runway and staying power is short. Or there are those that invest in the long haul and realize that there is a mean reversion of expected returns and to minimize risk and increase the reward, you buy low cost index funds, set and forget and let compounding do it's work. I can speak to this because I am retiring very shortly in multimillionaire territory because I learned early on I can't beat the market. I also made more money this way then any of my stupid, short term decisions or get rich quick. If you don't want to work hard to make money and want to make money passively, just do it this way. VOO/VTI/Vxus and keep on buying.

Carbastan24

I don't understand how anybody can be this regarded. How tf can one be such low iq to not take at least half of it and put in VOO and gamble with the rest like a degenerate. Do you like being wage slaves?

Nice-Truck8806

Counterpoint regarding VOO: the top 500 US based companies.... aren't *really* US companies. They're all multinational regardless of where they are incorporated. I would argue it's just currency risk, not country risk. SPX funds also have lower fees that funds like VT. As for VT: they have holdings in countries that are typically seen as uninvestable. no other countries have robust consumer protection like the US, and some countries don't even require corporations to release earnings statements, balance sheets, etc. They're like 1920s stock markets. Even if they get a high risk premium, many people don't think the risk of fraud is properly compensated. As for QQQ: based on the same logic, you should buy OTM LEAPS instead. how aggressive is too aggressive when you're early in your timeline?

Forded_Fiction24

Many, but I'm no oracle. Been investing in copper mining( SCCO, FCX) for ~ 7 yrs now which has done well. Thesis for that is more copper needed for electronics and cooling in data centers. Threw some money into Google in 2015 mainly due to their heavy investment in SpaceX and given that SpaceX was/is not publicly traded yet, this was a giving me indirect exposure plus it was still Google Invested in Gold and silver specifically IAU and SLV along with physical due to my lack of trust in the fed reserve, monetary and fiscal spending/ policy and doubled down even further in 2014 as Japanese carry trade was highlighted as a huge risk and still is. For that matter I've also put some "spare change" knowing it's risk and volatility into Bitcoin and it's associated ETFs due to the same reason because excessive government spending, debt levels, inflation risks, and an onslaught of Eastern powers aligning (BRICS) and trying to weaken the US dollar. Gold and silver I think in the short term are a little overbought currently with a huge run up lately. Meanwhile Bitcoin has lagged behind and I think when/if the war in Iran lets up I think that sends Bitcoin on its next run up with it being very oversold in the short term VOO/VTI/VUG and chill. Most of my money invested is in S&P500 based ETF's and index funds. Slow and steady wins the race and investing here allows me to take some chances with individual equities elsewhere

Ahamadrayasbaboon

I don’t disagree, but the counter-argument is that people with long time horizons like 30yrs don’t need to take on elevated risk. That’s why so many people subscribe to what they perceive to be a middle ground, VOO.  It’s a spectrum, of course. Arguments could be made that VT is risky in comparison to bonds, or that QQQM doesn’t take as much risk as SPMO. 

EyeHamKnotYew

> Put everything in VOO and had $500k in my bank for a bit, but then wanted to make some trades. How many hours is “for a bit”? I bet only a few……

linevestnews

Studying first before investing is definitely a smart move. But if you want to start, even $5-10 a month in an index fund like VOO or VTI can build great habits. The earlier you start, the more time your money has to grow!

SuperConfused

The ETFs are going to collapse the market if they are forced to sell stocks in order to buy this IPO if it hits $2T. VOO and all the others are market weighted. TSLA took 7 years from IPO to make Fortune 500, and he was number 383. That was in 2017. The math does not work for these valuation at IPO without destroying dozens to more than 100 of the S&P 500 when their stocks will be sold with no buyers. We are all fuct

bkkmatt

VOO for around $600 per share? Hell yeah I’m buying.

brokenxbroadcast

VOO and relax

alreadysharpened

VOO and chill

greenpride32

If you are younger and investing for long term (decades - no need for the money until then) then I'd stick with SP500. For someone under this scenario, why would bonds help you if they dampen downturns, but sacrifice upside gains? It's like saying $500k portfolio down to "only $475k on dip, but recovering to $550k is better than $500k down to $440, but then recovering ot $600k. VOO and VTI overlap quite a bit and historical performance is near identical. International underperforms in the long run. There is good reason for this - VOO has high concentration of growth; but international has higher concentration of mature.

OkDiver6272

$63 invested in typical broad ETF/Mutual fund (SPY, QQQ, VOO, etc) and left for 20 years would be about $650k - and that’s without adding another dime. After 30 years you’re talking $2.2 million. 40 years, $7.5M

jerm2z

Because they think the answer to everything is just buy VOO and wait 20 years

EdgeIntelligenceAU

Yes, still doing it and haven't changed my approach. For Australian investors the equivalent would be VAS/VGS or VDHG, and for US the classic VOO/VTI approach still makes sense as a core position. The data consistently shows that market timing underperforms systematic DCA over long periods, even when entering at what appears to be a bad time. The volatility we're seeing is noise if your horizon is 10+ years. The key is maintaining your allocation discipline - the investors who blow up are those who stop buying during downturns and then chase performance after the fact.

Legitimate_Treat_762

yeah i have stock in a lot of the big 7. i'm thinking VOO, IWM and XLF for starters next week

Legitimate_Treat_762

I was thinking VOO, XLE (energy), IWM (small caps, beaten down) as the 3 main ones.

Willing-Way1656

that is so true. I only lost $14,000 but I can already see the negative effects beside the money. I called it quit this week and just putting the money into VOO or VTO.

InvestingTheBest

Over diversified imo. It’ll work but expect lagging performance than if you were to just do VOO

LilEngineeringBoy

I don't trust myself at the level of individual stocks, but VOO and VTI seem to be go-to's. That said, all the big ETFs and mutual funds have the same magnificent 7.

Virtual_Ad1704

Costco, google, apple. Even if they see some downturns, they always come back up because they are incapable products. Honestly better off just buying VOO instead though.

WLS-burner

$100/mo in VOO at 20 is amazing and will grow beautifully. Of course more money each month is better but $100 is great for your age and obviously better than nothing. $100 at 20 will grow to $4.5k if it follows historic average. You’re good bro, keep doing you. I wish I started at 20!

Legitimate_Treat_762

I agree, which is why my sideline money is itching to go into the market. These are the times to buy. I'm not really interesting in individual stocks. More funds, like VOO or IWM and some others.

paq12x

I am a little younger than you are, and I am buying like crazy. In my 401 (k) account, I always buy since it's automatic, and with a great match. Every 2 weeks, I have $3k going into the index from my 401k contributions. In my taxable account, I always buy. I've been buying since forever, so I have a lot of unrealized gain. So what if the last few hundred VOO/SPY come out at an unrealized loss? I'll use that to offset the gains when I need to sell the shares during retirement. I just looked. I bought 1150 SPY during March. Only 150 of those shares are in the green. I am not worrying about the current situation at all. The money came from bonds and SGOV. My biggest regret was not dumping everything I had into the market during the dot-com bust. I made up for that by putting everything into the 2008 crash and the COVID crash. I literally had almost no emergency funds during that crash. My "emergency" fund was my Roth contributions and my 401 (k) loan if I ever need it. I was 100% confident in my employment, and it worked out in my favor at the end.

ArthurDent4200

I am not sold on a SMA in a tax advantaged account, but that being said, I do appreciate the tax loss harvesting in a SMA in a taxable account. You can pull from the account in kind or in cash. While reducing the amount in my managed IRA, I pulled in kind. Will never do that again because it left me a mess of individual stocks that I sold manually to buy VOO. My biggest gripe about the SMA is how long it takes to pull money from the account. You transfer a cash amount during market hours and it won't actually be sold for a few days, then a day or so later the cash appears in the destination account. IMHO, this should happen overnight if the transfer was initiated during market hours - like selling a mutual fund... It doesn't... This issue is magnified by how volatile the market has been. Performance wise, my taxable SMA (Fidelity® U.S. Large Cap Index Strategy) has returned 17.56% after fees from 4/3/2025 to 4/2/2025 and has provided a fair amount of capital losses in 2025 and in Q1 2026. According to Fidelity during that time period: Fidelity U.S. Large Cap Index +17.36% S&P 500 Index +17.55% This happens to be an unusual 1 year period as on 4/3/2025 the biggest single day loss or 4.8% occured.

Any_Perspective4947

VOO and chill

murpium

My recurring buys in my Roth are 40% VOO, 15% SMH, 15% VXUS, 15% AVUV, 10% AVDV, 5% IAUM. For cash brokerage it’s 40% VTI, 25% VXUS, 20% AVUV, 15% AVDV.

Accurate-Flow8078

If you bought VOO and chilled, it would have been 347k.

DinnerNo5925

What do you think about just VT vs VOO and some large cap exposure like you mentioned?

Horror_Pitch_63

FYI Google just released a software update that reduces AI bloat by 30%+ while others are trying to build models that are efficient from the ground up I think software like think will be the actual game changer, and the stock markets tend to agree with me as the announcement a few days ago wiped 450b from ram and chip makers and a lot of other related stocks So yea, I'd go with Google. The rest in VOO or similar which has gotten me 10%+ returns easily Also you can't go wrong with gold, especially with everything that's going on in the world right now

Valuable-Disk8366

I personally like VGT. It’s has concentrated exposure to NVDA, MSFT, AAPL. VUG is good too. They are both considered more aggressive than VOO, VTI but still much much safer than individual stocks, options, leverage, etc.

Inevitable-Bit-9532

Just put $100k into VOO or a World ETF. $30k into MSFT, GOOG, or whichever large-cap stock you prefer right now. You can pick a couple of speculative plays with $20k—personally, I’d go with NIBIS and RKLB. Don’t overextend yourself in speculative high-beta stocks; you’ll end up panic-selling everything at the first correction

DoodleCat2

If there are so many VOO and chill workers. What happens when agent365 gets released in may?

DonBoy30

I’m just buying quality/tried and trued ETFs. It’ll bounce back eventually, and ETFs like VOO and VTI are very low risk in getting into a downturn, in my opinion.

WAtHome

VT for exposure to the entire world. VTI for all US stocks VOO for all large US companies. Majority of people in This investing sub or Boglehead sub would pick either VT or VTI to chill. Any of the 3 would be good/great choice.

Blueberryburntpie

And godspeed if someone held onto the short when the 15-days kick in and all of the index funds start auto-buying. That Vanguard ship logo? Yeah that's going to keelhaul you when the volume of VOO buys come in.

Street-Ebb3608

VT, VTI, VOO ?????? Which one is the chillest though?

Uniquename34556

Looks like you’re investing in a lot of individual stocks. Standard advise is invest in an index fund in a Roth IRA. You can open one up on vanguard or fidelity and just put it in VOO, IVV, or SPY. These are called ETFs and follow the S&P 500 which are the top 500 companies in the US. It’s self managed (think way smarter than us in general) and they only take $3 for every $10,000 you invest (expense ratio) per year. It’s ridiculously cheap. Historically the S&P grows 10% a year (some years are lower some are higher). This is your low risk option. Mid risk option include other ETFs that focus on growth, tech stocks, etc. High risk is you learn about and play around with options (puts and calls basically betting that a stock will go down or up within a certain amount of time). It’s a glorified roulette table. This is gambling and many of lives and loved ones have been ruined by this. I’m simplifying things but I hope you get the idea.

No-Establishment8457

$5/day, every single day into VOO and have for a couple years now. There are other investments too, not just VOO.

usa_reddit

VOO 595 Open 603 10:40 Quick Spike 599 Noon 602 Close 603 After hours

Nestado

You can't have enough of dividends and companies that regularly pay and increase dividends every year are the most stable companies in my book. I went with SCHD since it has the least amount of overlap by weight with VOO and low P/E ratio. I also consider SCHD methodology to be superior than what's most on the market. Another great addition is AVUV and to a less extent, AVDV. But no need to overcomplicate.

Puzzleheaded-Tone730

Im 21 and my current holdings are: Stocks: ITRG, NVDA, O, MU ETFS: VOO, IYJ, VXUS, ICOP

KroKart100

Agreed on all points here. It honestly hurts to see the all time chart but those accumulated over time (except today I spiraled and lot 5k) That one hurt bad. My Roth is doing great because I only have VTI and VOO and in comparison to my ODTE it makes me cringe I’ve wasted this much money. I posted this because I want other to see before they spiral too. Luckily I’m blessed with a good job and can recover just fine but still, 10k loss is a ton of money

pineapplekiwipen

i never sell VOO

pineapplekiwipen

secret to great wealth is investing in pump and pump schemes like VOO

usa_reddit

Going into today (The day before Good Friday), millions of "Put" options (bets that the market will drop) were purchased by investors seeking insurance. The Wall Street market makers who sold those Puts had to short the actual stocks (like MSFT and VOO) to hedge their own risk. When 4:00 PM approached and the market hadn't crashed, those Puts became worthless. The market makers suddenly didn't need their hedges anymore. So, what did they do? They aggressively bought back millions of shares of stock in the final 5 minutes to clear their books before the long weekend. There was a $1.2 Billion Sell Imbalance on the tape at 3:55 PM. The retail crowd saw that and assumed a crash was imminent. But institutional "Whales" (pension funds, sovereign wealth funds) love liquidity. They saw $1.2 billion worth of desperate sellers and decided to swallow the whole thing. They bought the imbalance, absorbing the panic and pushing the closing price higher. Which makes me sad as a retail investory, because I was trying to pickup some VOO, MSFT, SMH at a discount. I am often reminded of the saying, "The market can remain irrational longer than you can remain solvent." I think I am going to print it out and hang it on the wall.

sd_rock21

Good to sell VOO now then?

chronic-illmatic

Thanks, I bought your VOO

Griffisbored

Lots of people (especially here) will call you dumb if you do anything but 100% passive investing into VOO/VTI. As someone who also likes to have fun and try to "beat the market" from time time my suggestion is have a fixed amount of your portfolio in indexes (\~70% is my personal number). The rest you can invest with as you see fit. Just avoid option trading and the riskier the position is, the smaller the position should be. Focus on blue chip companies, avoid biotech and don't invest in companies if you can't easily explain what they actually do.

Outrageous_Tip_2133

I am 40% in SPY/VOO, 25% in QQQ, 15% BRK, 10% cash, 5% GLD, and 5% Bitcoin. If you are holding tech (or QQQ, you would have noticed that the downturn had already started before the war. I have just been increasing my cash position since the war started and kinda regret not buying some SPY when it hit 630 earlier this week. I think any moves below 640 wil be bought quickly from now on.

cash-flow-k1ng

Honestly, tweaking allocations based on macro moves is a brutal game. I'm not a macro person, but dropping your VXF now to buy more VOO feels like classic performance chasing. You'd basically be selling low after small caps got crushed, just to buy mega-cap tech after a massive run. At 35, you have plenty of time. If the tilt is stressing you out, you could just revert to holding them at actual market weight (roughly 85% VOO and 15% VXF). That essentially replicates the total US market, so you never have to guess which cap size will win the next cycle.

Throw_Away_TrdJrnl

1.) I'm glad you didn't off yourself over 23k 2.) recognize that you didn't lose it because "shit isn't fair" you need to own up to your actions. 3.) take a break and get some therapy 4.) don't let this scare you away from investing forever, maybe just buy VOO and chill bro you got this

bbm72

Excuse my ignorance but how about VOO?

stringtheory28

Soooo QQQM bad now? Ok, moved it into VOO.

madhattr999

I am asking which funds are vulnerable, and which funds are not.. So if people want to avoid the vulnerability, how should they adjust their portfolio? Seems like I have some things wrong, but your post didn't really clear up my questions. Are you saying that QQQ and VTI will be vulnerable to SpaceX's manipulation, and SPY and VOO aren't?

SirGlass

what ? QQQ is affected by this rule SPY and VOO both track the same index , S&P500 what has its own requirements VTI already adds new IPOs basically in 5 days so VTI wouldn't need to adopt the rule they already have the same rule for years.

madhattr999

So which funds? QQQ and SPY? VOO and VTI are okay? Everyone should basically switch from SPY to VOO right then?

Limp_Technology2497

If the strait looks like it’s going to open, which it seems like that is the direction of things, then for the moment that eliminates my main issue adding to silver and copper miners. So I added a bit of SIL and COPX.  It also adds positive momentum in the eastern hemisphere, particularly for places that have been struggling like Australia and Japan.  The damage is done for now with regards to helium, so I’m still bearish on chip manufacturing for the moment.  And I do have a real concerns still about the timing of fertilizer delivery. And I still think the US could be headed for a resource crunch depending on how things shake out-so I’m staying away from VOO for the time being. That said I did put a chunk into VXUS. We’ll see what happens. It got hit hard by this so hypothetically it could have the quickest rebound. I would expect oil to settle somewhere a bit higher than it was, but not nearly as high as it is.

myrrhsea

If permanent life insurance is that thing where you put money into it, *more* as you get older, and then you can pull it out as a cash benefit, I'd say run to the hills. These grow more slowly than the market average and get progressively more expensive as you age. The main selling point is that it's cheap now when you're young and healthy (and naive). If the best selling point is a sense of urgency, is it a great idea? If they're selling you relief from potential FOMO, is that the same as relief because you made good choices managing your money? Guess what is equally cheap, doesn't get more expensive to contribute to as you age, and historically yields higher returns? Furthermore, you can manage it yourself and avoid fees for managed or guided investing. SCHB, VTI, ITOT, or VOO, SCHX, IVV, SPYM, etc. aka. the total U.S. market or the S&P 500. And you don't need all of those, you can just pick one. Or pick VT for the whole world market and chill.

No-debt-P22-7

Of course I am buying more VOO and VTI. It's been on sale. I buy more every two weeks.

DonnyB79

Being emotional and selling everything is how you stay poor. You should just buy VOO and chill if you can’t handle this.

JPete4985

With US valuations, hitting a 10% reurn annually looks to be getting harder and harder. Internationals have much more reasonable valuations, last time I looked it was roughly 29x VOO and 18x VXUS. In my opinion internationals could outperform or at least pace US holdings with less volitility over the next 5 years, maybe 10.

chinaski73

At least I bought more VOO and VXUS in the morning. I hadn’t been buying enough as I was *sure* SPX was going to at least hit 6250. Im a long-term holder so it’s all good.

EmbarrassedAd9057

Solid foundation — VOO + SCHD as your core with VXUS for international is a smart framework. A few things the numbers show: **Your biggest gap is international exposure.** VXUS at $1,500 is only about 3% of your portfolio, which means you're almost entirely betting on the US continuing to outperform global markets for the next decade. That's been the right bet recently, but over a 10-11 year horizon it's a real concentration risk. Your plan to build up VXUS is the right instinct — I'd actually go further and direct your entire $500-1000 monthly contribution to VXUS for the next 10-12 months until you're at 15% international. Your VOO and SCHD positions are already large enough to compound on their own. **JEPI is worth rethinking at your timeline.** Covered call strategies generate great income but they cap your upside in bull markets by design. At 10-11 years from retirement with a late start, you arguably need growth more than yield right now. JEPI makes a lot more sense 2-3 years before retirement when you're transitioning to income. The $6,000 there could be working harder in VOO or VXUS during your accumulation years. **MU is your wild card.** At \~5% of the portfolio with roughly 2x the volatility of the broad market, it's your single biggest source of downside risk in a severe tech downturn. Not portfolio-threatening at this size, but worth knowing it'll swing twice as hard as everything else. NVDA at 3% is fine. **What's working well:** Your effective diversification through the ETFs is excellent — you're exposed to thousands of underlying companies despite holding only 8 positions. Your portfolio shows strong defensive characteristics, losing roughly 23% in simulated crash scenarios versus 30% for the S&P 500. Your sector coverage is solid through VOO and SCHD — you've got good healthcare, tech, financials, consumer, and energy exposure baked in. The only real gaps are utilities and basic materials, which are small sectors and not worth chasing. And your 3.0% yield is more than double the market average, so the income engine is solid. **If I had to prioritize:** VXUS contributions first, reconsider JEPI's role second, everything else is fine to hold and let compound. I ran your portfolio through an analysis tool I've been building — it simulates crash scenarios, calculates sector coverage, and flags risk concentrations. In a 2008-style market crash your portfolio drops about 23% vs 30% for the S&P, and in a tech-specific crash it holds up even better thanks to the SCHD/JEPI buffer. Happy to share the full breakdown if you're interested.

Dry_Environment_9631

t 22, you have time on your side! ETFs like VOO offer broad diversification, while individual stocks can increase volatility and potential returns. Many use a "core and satellite" approach: keeping the majority in ETFs and a small % for individual picks to manage risk.

juveyjords

Msft, VOO, Amazon are some of the worst picks. They will not go up much at all

ArnoldisKing

VOO is def something I have a position in and listed as one I would add to...just also curious about indiv stocks, and thats why i also asked to focus on best in breed that are in a good value right now

friedrichbythesea

Solid choices, I hold all except VOO. I’ve doubled my positions on ASTS and ORCL. Not at a heavy discount, but consider INTC.

LurkerFailsLurking

I was VOO and chill until I realized Trump was actually going to go through on his idiotic tariff bluster 13 months ago. Then I sold all of my US index funds and traded them for VXUS. Then in October or so, I decided gold and silver weren't just spiking now, but would keep going up as the world abandoned USD as the global reserve currency. Now the one US stock im seriously looking at is CLF because they're the only US manufacturer of electrical steel, which is a critical material of EVs, solar panels, etc.