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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
Great trade. I have most of my retirement accounts in ETFs like VOO/ QQQM so I don't personally full port or even like to own large cap tech names as individual stocks because their correlation is so high and they all have a beta of like 1+. I've traded in and out of META/AVGO/NVDA at times.. But GOOG is one that I definitely am willing to own in my brokerage stock portfolio. Outside of search/ AI/ cloud/ ads trades, YouTube is an incredibly undervalued asset/ segment that could trade as an individual company and gets so much content for free/ much lower cost than the billions other platforms are producing (thats mostly shit). And Waymo hasn't even really generated revenue yet. As we've seen recently they've started to diverge from being totally grouped into the AI trade with mega techs NVDA, AVGO, AMD, PLTR, MSFT, datacenters, etc. And don't have a CEO/ founder that's a "face" of the company really which can hurt at times/ command less of a market premium markets react when guys like Elon/ Bezos/ Zuckerberg/ Cook/ Jobs/ Gates act out or part ways. Great business.
I always had this same quandary. Until I saw a good question to ask myself. If I was given this cash directly into my pay. Would I invest it immediately into the company, invest in something else more diversified, or spend it as regular income. I now sell my ESPP immediately using it as a 6 month saving with 15% guaranteed interest. Any RSA I get I also sell immediately and reinvest in something diverse like VOO or VGT if I’m wanting a little more growth. Remember. If you keep it there’s 2 different dates for tax purposes. 1 year from grant date it become long term capital gains on the growth. The 15% is still taxed at income rates. 2 years from offering date (the beginning of the 6 months) makes it qualified and the 15% differently depending on a confusing formula. That I’ve yet to fully understand
Here's a hypothetical: You took the $7,000 and bought 12 shares of VOO at $570. So then you have 12 shares of VOO and $160 cash. On Oct 1, VOO paid a dividend and you got $20.88 in cash. Now you have 12 shares of VOO and $180.88 in cash. You sold the VOO shares yesterday at $610 for a total of $7,320. The total value of the $7,000 you put in is now $7,500.88 You have to withdraw that amount and pay ordinary income tax on the $500.88.
Isn’t VT over 60% US? Wouldn’t it make sense to customize by doing VOO and my desired VXUS percentage?
Sorry OP. Thanks for sharing your loss porn. You're helping people. Look at the positives - 130k is still a solid foundation to build. You can look back 10-20 years from now and be proud of your end of year 2025 decision. Put 20k into checking/saving as your safety, gamble 10k as you wish (i.e. like an F U put contract on the SPY, but if you get this 10k fun fun gamble money wiped out then STOP) , split the rest of your 'long term port' 10 year + hodl (..your last 100k..) equally into different etf's, across all industries (or go heavy in VOO, QQQ, etc). Or just put that last 100k all into the GAYMAN and don't look at it for 10 years.
VT is VOO+VXUS (or more accurarely it's VTI + VXUS). VXUS is VEA+VWO. VEU doesnt have small caps, so it's like VOO and VXUS is like VTI. To be the most diversified in the simplest way, just buy VT.
VXUS zero overlap with VOO VT is 89.5% overlap with VOO Have a look at etfinsider to see what I'm seeing.
The tax cushion for holding longer term is much thinner than you think. If the company stock goes down 2-4%, then you've lost all the benefit of holding long term and would have been better selling in the short term. There's another caveat: if the company's stock dropped during the 6 month offering period, it's always more beneficial to sell immediately *unless you think the stock will rally all the way back above its initial offering period*. This is because of how ESPP's work when it comes to calculating capital and ordinary income. IMO, unless you're incredibly bullish, sell it immediately and invest in VOO or some other market fund (diversify).
I'm lump summing 20k on VOO on Monday whatever happens happens
I’d bet you’d be better off not doing the speculative stuff. Keep a few MAG7, and then put more than half into VOO & VT and chill.
3 million when he's 65 will be worth like 1 mil adjusted for inflation. And 8% is a bit too realistic to begin with (VOO isn't old enough and can't be reliably measured so far out). If we look at the actual historical data, 6% is more like it.
Please OP. I also lost 500k in total in last 6 years hodling penny stocks, trading stocks, trading options, day-trading. Please for the sake of god. Do not trade again! I learned over and over again that broad market ETFs are the way to to. Depost rest of your money and future earnings into VOO, VTI, VXUS or something! Save yourself!!!
And by definition if they know less than you do they should just dump money into VOO and there's no reason to pay anyone to tell you to do that.
Yeah even better. Unless it's in a taxable account as VT doesn't qualify for the foreign tax credit, making the VOO/VXUS more tax efficient.
Whatever you do don’t calculate what $700k would’ve gained in VOO over the past 5 years
Yes, run. You can build a simple portfolio of broad market ETFs like VOO and QQQ. If you want some higher expense ratio ETFs with top managers, look at Wedbush Dan Ives AI Revolution (IVES) and Fundstrat Tom Lee Granny Shots (GRNY).
1% is standard for the industry. Also it sounds like he is using mutual funds in a non-qualified is a huge red flag. ETFs don’t have capital gains distributions whereas mutual funds do he should know this as an advisor. I would keep shopping around for someone better. Especially since it sounds like your mom might need more help than VOO and chill
The problem with trying to time it is it could go up another 15% before it goes out of favor again, I feel like DCA is best because of this. Also, where would you suggest we keep the funds until it's out of favor? HYSA? Another stock? VOO?
This is insane. It’s against my own self interest to say this, but you should strongly consider quitting and putting it all in VOO. It’s my experience that people don’t have this sort of experience just one time.
People giving "retirement" advice or saying "VOO and chill" should be banned. Who know if we're fucking alive in 40 years. Gimme my money and gimme now
Gonna give some financial advice: Just VOO and chill for 20+ years. No way that doesn't work. Impossible.
No, because I exited cash gang and went full life savings port into VOO and GOOG about an hour ago and I want to feel good about my decision.
Hey, j/JohnDuttton - can you explain in simple terms how this works? Like, if I have $100K in VOO today, at say, 40 years old, and I'm *not* actively adding more, then I have about 165 shares of it, and I'll always have 165 shares of it. Wouldn't I need the price to rise from $609/share to $6,000/share to come close to even $1MIL by the time I hit 65? I've been happy with the way my ETFs are performing, but I'm just having a really hard time wrapping my head around comments like this, or the "once your portfolio hits $200K or $300K, it will start growing exponentially faster." I just don't get how, if I'm not continuously adding more shares.
that's why you have portfolio distribution like 70/30 stock/bond in 30s and gradually rebalance to 30/70 when you're 60s. And buying at the top of 2008 is a blessing if you hold till today, and buying at the bottom of 2008 is a blessing on top of blessing...so, ya buy VOO and hold, keep some in bonds for dips like 2008 to buy more.
Saw this post, saw my stocks are down a bit. Closed thr app and went about my day lol. 90% of my money is in VOO. The other 10% are in some individual stocks I bought knowing full well I could loose it all. I dont need it so Im just going to ride it out if it gets bad. Honestly I don't feel like we are in a downturn just yet. If we are we wont know for sure for another month. Once I know for sure we are in a slump I might invest a little more, but I'm not going to make any drastic changes.
Okay, boys. I am retiring from options play for the rest of the year. I set aside my short-term caps gain taxes in a HYSA and plowed the rest into GOOG and VOO. Enjoy the roller coaster. May you all enjoy massive volatility gains from here.
the ironic thing is that if he has 100k at 21, it probably wasn't his money to begin with. So he can just ask his dad for another 100k to put in VOO, or just inherit 7M at 65.
All in on VOO or SPY for a regarded ape who just wants safety?
Sure, holding individual stock bear ETFs can make sense while holding VOO. Check out r/LETFs if you don't know about it.
So you're saying VOO will be $18,000- $42,000 in 44 years? Or maybe $15,000-$35,000 depending on compounding divs?
Don't do anything and in the future diversify yourself from just AI stocks by buying index funds like VOO
Just imagine the posts across reddit at the first real bear or recession, when markets go down and stay down. VOO is down 2% over the past month and we have people posting journal entries
At this point in the trading day: VLUE +2.30% VOO + 1.15% VGT +0.52% There’s still too much blood in the water with tech stocks. I know markets are irrational but… i don’t see a world where we rally back to ATH on the back of value stocks. It will take tech stocks outperforming on the pump the same way they underperformed on the dump. This is a liquidity driven pump while investors continue to rotate sectors at the same time. Seems ominous to me. Gold.
$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