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
I started off the year by getting relatively large returns by investing in Reddit and Robinhood because those just seemed pretty logical. Meta is incredibly valuable so why wouldn’t Reddit and I invested in Robinhood when the market dipped after Trump took office. I also made a like $2000 dollars the day $OPEN blew up so I took that out and immediately put it in $VOO. The rest was just relatively safe investments.
Why not VOO or VOOG?
Lump Sum vs. DCA: Historically, investing a lump sum usually beats dollar-cost averaging (DCA) over the long term since markets tend to rise. DCA can help reduce short-term volatility and ease nerves. For HSAs, which are long-term vehicles, lump-sum investing is often more efficient—but DCA is fine if it helps you sleep better. Allocation: Keeping ~10% in a money market fund like SPAXX for liquidity and the rest in a broad index fund like VOO is a solid mix of growth + accessibility. Adjust based on your risk tolerance and timeline. Using HSA Funds: You don’t have to sell SPAXX to pay for expenses most HSAs let you spend directly from cash. If all your money is invested, you’d need to sell a bit to cover costs. Having a small cash buffer keeps things smooth without touching your equity positions.
You can just slap that 1,000,000 into VOO and you'll still be good to go ngl
Regarding your wealth accumulation, that's great to hear, but imho, you don't need a financial advisor at all. See r/Bogleheads or just put it into a couple well known, low cost index funds like Vanguard VOO, VTI and/or BND.
Take out more or invest it in VOO. Do not give back the gains
VOO +18% YTD How do you compare?
It depends on the fees your dad was being charged. FAs should also be advising on taxable vs tax advantaged accounts, RMD strategies, tax, insurance, and inheritance strategies. VOO + CDs/Bonds... I've seen much worse - like high fee funds, complicated products you can't easily ACATS away, etc. Depends on the fees your dad was getting charged but it sounds like he did it right... especially if your dad has no clue and doesn't want to DIY his own finances.
Financial advisors are great for telling you efficient ways to get your money into their pockets. My favourite is the mutual funds that mirror the S&P but have like a 2% management expense... Like what the hell, just buy VOO. They're basically stealing money from elderly people
Bump on the VOO new year rally is saved
Wow thank you for the advice. I think if I do transfer to Robinhood, I will put it all into VOO, VT and maybe QQMG. I may just keep the acorns account for the roundups and weekly automatic investments but I ola on doing a lot of research before individual stocks for sure. Thank you again!
> I’ve noticed a lot of people talking about “rotating into VOO” lately. On the other hand, I've literally never heard anyone say this.
It really doesn't matter much and falls down to which app experience you like better. I personally invest into Fidelity as that's where my 401K is and I like to see my entire port in one place. Maybe you can hold off til you get a full-time job and transfer it to whichever brokerage your 401k goes to Since you're new, I'd strictly invest into ETFs for now like the S&P 500 (VOO, SPY, FXAIX), VTI, or VT. You can read a bit more on those but overall they're all diversified, safe, and have had solid returns historically. There's a lot that goes into individual stocks which is why I urge people to stay away from them early on. Spend a while researching and truly understanding what they are, how they move, and all the risks associated with them. A lot of people will strictly tell you to stay away, but I truly believe that with the proper research, risk management, and control you can do well while having lots of fun. If you see your ego or FOMO (getting into things with 0 research and conviction in hopes of making a quick play) getting in the way, you step back and stick to ETFs.
Well If you're a boglehead with a 7 figure account who hangs out in investment subs then I'm going to bet you aren't 100% in VOO lol. Maybe you wouldn't benefit from any advise other than myopic optimization, but there's tons of people with lots of money who don't know a stock from a bond that would be way better off paying someone to hold their hand. That's all I'm trying to say.
VOO + AVUV + VWO = VTI. Just do VTI and either QQQM or SPMO
VOO is reaching 2,000, 4,000, 6,000, is it worth to buy? If you’re here for 10-20 years then yes
VOO is almost always near or at ATH homie
Leveraged product to buy and hold for 30 years, pass. VONG is my preference though, outperforms VOO consistently.
Yes, VOO is still worth buying.
Look at my comment history. I’m a broken record. Spend less than you earn, have an emergency fund, buy VOO on auto weekly basis, sell only when you have an urgent expense to pay for, have a mechanism to increase that weekly auto investment, do that every month of your life. It is the same thing with not being overweight: consume slightly less calories than maintenance, do zone 2 cardio daily, have a reasonable weight training regimen, focus on progressive overload and protein intake. People can know these simple paragraphs, it means nothing without accountability. Why doesn’t someone call you up to tell you to contribute more to your 401k? Because no one is paid to. What doesn’t someone tell you to spend less and invest more? Because no one is paid to. Why doesn’t someone hold you accountable to go to the gym? Because you didn’t hire the personal trainer. I will always have a job because people will always need someone to hold them accountable. People hate on advisors here, and I get it, most suck. But tons of my clients wouldn’t invest if I didn’t push them to do it. And they would certainly panic sell more without me.
Had one until I had about 450K. Then, one day I realized if I'd just put the money in VOO, I'd have like twice as much... Hard lesson. Never again. Don't pay for some "bros" boat. Pay for your own boat...
VOO ... DCA ... DRIP ... Chill I'll send you my bill.
20+ years ago I'm sure they were a necessity. But with nearly unlimited tools and resources available to people these days there's no need for one unless you have fuck you money. At that point it's more about tax liability and keeping your money safe though. VOO/VTI and chill are legitimate investing strategies. Doesn't take a financial advisor to figure that out lol
Very true, just like you can learn to swap your brakes in an hour on YouTube. But most people won't, especially since messing it up can have enormous consequences. If your portfolio is worth 10k then just slap it into VOO and you're good to go. If it's worth 1,000,000 you'll want to get more sophisticated and if you don't know what you're doing the outcome could be catastrophic.
Got it, great info I switched my VOO recurring investment to AVUV instead to help me diversify a bit. My understanding is that VOO is basically just S&P500, in which case if tech growth slows down then VOO will reorganize, right? This leaves me with $75 biweekly investments in SCHG, VOO, AVUV and VXUS. Do you think that's enough diversification? My recurring investments are my primary contribution to my portfolio, but sometimes if I have extra money I'll buy dips in AMZN/GOOG.
Perfectly said. Hang it up, people get lucky here. Buy VOO and chill. It’s so easy.
IMO it’s much more for tax planning and estate planning than maximizing returns. It’s hard to beat the market consistently Over 10+ years (hence why VOO and chill is so popular). The tax code and inheritance though, constantly changing and can mean 10-20% difference in “effective returns”. You can also do one time financial planning sessions where they can help shuffle some things and then you just stay the course for X amount of years.
No other sector will compare to tech for returns in the past 5 years. You shouldn't be looking at past returns to make your choices. You're nearly all tech. In a crash or economic slowdown, your portfolio will fall harder than the index. Look at the top holdings in VOO and VTI. It's all stocks that are similar to your portfolio. AVUV for example has good historic returns (over the very long term), and it doesn't have a lot of tech in it. That's one I'd consider.
$VOO, $VTI, $SPYG, $FXAIX Only investing advice you’ll ever need. You can have your play around stocks, but a vast majority of your investments should be in ETFs/S&P500 funds that track the market as a whole
Yeah you could do that if you wish. VOO was just an example of where someone could put their money in. VTI is decent as well. As long as the horizon is far out, any ETF or fund would be grow well.
I mean it's split between VTI/VOO/VGK with some cash (<1%), but yeah, effectively. But yes, I am also like 30 unmarried with no kids. Don't see what the FA would give me.
https://preview.redd.it/9fxpdbxsol9g1.jpeg?width=287&format=pjpg&auto=webp&s=3c27233a8eae449ed2a9adea08f3c2935d625924 I'm all for having fun, but I agree. THIS dude needs to VOO and chill.
Why VOO? VONG has consistently outpaced it forever tracking Russel 1k growth.
What the fuck happened to this place that retards are talking about VOO and chill? If I wanted to do that I’d be in bogleheads. 🫵🤡
Literally just put your money into VOO... That's it lol
Stop chasing these short term OTM options. You just need to stop everything, put it in VOO and chill. Would you rather have $4k left or $0k left?
Tried to explain this to my father, I asked him for his statements and investments 70% VOO the rest CDd and Bonds...
Sorry guys, went all in on VOO so the stock market will now crash.
I used quite a few paying services to help pick up stocks for me. After a monthly fees and short term investment taxes it didn’t make much sense to use anyone’s service. I invest by myself and puck my own stocks but most seats in VOO ETF .
You missed out on close to $2 mil had you just bought VOO
And 2027 and 2028 and 2029 and 2030 - there will never be a bad year ever again. We can all rejoice and buy VOO and SPY forever without any fear of consequences! Yay us!
You’ve already done most of the hard stuff right. Emergency fund is solid, tax-advantaged accounts are maxed, and you’re not overcomplicating things. The VOO + VXUS split is fine and pretty standard. If anything, 15 percent international is a bit on the low side compared to global market weight, but it’s not wrong, especially if you’re more comfortable being US-heavy. The 30 percent in SGOV makes sense given you’re planning to buy a house in about 5 years. That part is basically acting as dry powder and volatility control. The only thing to think about is whether that 30 percent is meant to be truly “house money” or just ballast. If it’s for a down payment, you might want to mentally separate it and gradually increase the cash like allocation as the purchase gets closer. One thing I’d also consider is whether you actually need a taxable brokerage for more equities right now, given how much you’re already putting into tax-advantaged accounts. It’s fine to do, just be aware you’re adding some tax drag compared to stuffing more into Roth or mega backdoor space if available. Overall though, nothing here screams mistake. It’s boring, diversified, liquid where it needs to be, and aggressive enough for someone in their mid 20s. That’s usually a good sign.
I lost 30k as well. I just used it as a lesson, and DCA into boring VOO/QQQI now.
VOO and chill. Sorry, what was the question?
"VOO and SCHD" tells me you started your research on tiktok. Just stick with VOO and ditch dividends.
So you have another taxable account that’s pure gambling? It’s difficult to give advice if you don’t give us the full picture. Do not buy dividends at all, and especially do not buy them in a taxable account. Total return is all that matters. VXUS is total ex-US. You add it to diversify your portfolio and insure wealth when you’re old. Ideally you’d pick VTI to couple it with, but you seem to like the S&P only. VOO is missing small cap so you’ll need to add it. Remember, dividends, or sell anything in a taxable account will create a taxable event.
your best investment, might very well be in yourself. having a good career >> than getting a 10k head start. That said, if you have all that taken care of, great. At that point I'd dump it into VOO, or VTI.
Yeah right now I'm just doing VOO and SCHD. Not gonna sell at any point, just add to both monthly and let it grow
SPMO is fine. Firstly the two have tremendous overlap in their holdings. Secondarily, a momentum based approach is well supported in the literature. Finally, since inception in 2015, VOO has only outperformed SPMO in 4 years.
You do not want to buy SCHD, ever. First off, when investing in a taxable account your goal is to be as tax efficient as possible. Dividends are completely irrelevant; total return is all that matters. If you need cash; sell stock! This has been studied extensively and a good first read would be: Franco Modigliani and Merton Miller: dividend irrelevance theorem. A dividend is just a forced sale and hasn’t been a useful investing tool for at least a decade. Adding SCHD to VOO is a little redundant; you have no diversity. Historically, small cap and value is what succeeds and the analysts think that large cap/mega cap won’t keep outperforming in the future. A portfolio using VOO as your foundation looks like: VOO/(a small cap)/VXUS
Fully retiring about 12 years from now. Is VOO a bad idea? Between dividends and MM yield i am estimated to receive 22k this year. My house is paid off and I have medical insurance. So that needs to cover survival bills- food, utilities, property taxes, phone, entertainment etc. I think I can manage without employment with this budget. But at some point I want to go back to work because I want the income to travel etc. I will have to live like I'm on the fixed income the next 6+ months.
VTI VOO VXUS etc r/bogleheads
Should have just FXAIX or VOO or whatever and chilled. Dollar cost averaging call it a day. Building wealth in the market is a jog not a sprint.
I don’t know what the apy is for ally high yield savings but personally I put cash in BOXX or USFR the yield is around 5%. If you’re looking for more return and a bit more risk VOO, VXUS, QQQM, SPYM are all popular. These are a low cost index funds that track the overall market. (S&P500, International, and the Nasdaq100)
Listen here you lil skeet, let me set your booty cheek straight. Take 90% of everything you are investing and split it 45% into VOO and 45% into QQQM. The remaining 10% cash you can use to invest in whatever speculative stocks or dividend yields you are chasing at the time while you continue to learn on your investing journey. But always stick to that plan and you will thank me in 30 years when you can retire early.
at 19 you should prioritize growth and dont spend alot of time trying to learn to trade stocks or become some.master investor. you can buy and hold any legit index fund like VOO or SPYM or QQQM or VTI and be just fine for a long time in the mean time - just focus on increasing your earning potential so you can save more. and learn to save. like really save if you can start now and save X% every week with a plan to increase that percent every year - you will be very ready for retirement compared to your peers
Plenty of time with a reasonable plan and a lot of discipline. Let this “learning money” light a fire under your ass. Focus on making money…WITH YOUR JOB / BIZ. Put your future investing on “set it and forget it.” Work with a fiduciary who charges a flat fee or just put it in some like VOO. You can right this ship! Don’t beat yourself up. Just course correct.
I think it is the most important lesson for people. People tend to think of 401k and Roth as super long term money, and that’s great. But in reality all money works the same. If you have monthly income, if you have monthly expenses, you should have monthly automatic taxable investments. I don’t care if it is just 50/week in VOO. Why? Because it is basic financial hygiene, like brushing your teeth. Invest auto, sell only when you have something urgent to pay for. Once you’ve done this for a few years you start to understand.
Right now i am 65% VOO, 21% NVDA, 5% AVGO, 2% RKLB, 2% META, 2% GOOG, 1% ASTS, 1% RDDT, 1% APLD. Not diversified so much but 27% YTD at least.
VTI and VOO have had significantly lower returns than NVDA over the last decade. The whole point of owning everything is you don’t know what the winners will be. Could be European pharmaceuticals or Japanese banks for all we know.
Buy smart stocks like VOO, SPY, Google, Amazon, i would add rklb and asts but thats just me) and you'll make it back in 5 or so years. Take it as a very expensive lesson, spent 37k on a finance degree, and eventually you'll have the same money you started with and then some
SPY (VOO or FXAIX) or any other s&p500 etf or mutual fund
lol. VOO is fantastic. It just requires zero intelligence and is often the basis of every beginner finance suggestion. Ironically, it’s possibly the best possible advice you’ll ever get in your entire life… After being completely obsessed with investing in everything for the past seven years, after playing with options trading in stock picking this and that yada yada yada… I would’ve been better off just buying VOO and doing nothing. I would’ve been better off having a low IQ and just sticking with the S&P 500 instead of fucking around and lighting money on fire.
Switch your 401k to lowest cost sp500 fund. Often times those target dates are too conservative and have sneaky internals. There’s nothing wrong with Roth. But the hard math says lowering your taxable income is mathematically the best move. Right now by doing 100% Roth you’re basically choosing to overpay your taxes today. Especially as young as you are. Also get in the habit of doing “something” in taxable. Often times people only retire with 401k’s and the equity in the home. I don’t care if it’s $50/week in VOO in. Fidelity account. It is a good habit and you should learn it young. Sell only when you have you have an urgent expense to pay for. Sounds like you will do great, best of luck!!
Is VOO not good now? Why is this low-IQ? Am I missing a joke?
The only reason not to is that the year end is when a lot of people rebalance their ports. SPX hasn't done well compared to other equity classes (int'l for example) or asset classes (precious metals). There's a reasonable chance retail will be selling things like gold and silver to buy SPY/VOO when rebalancing.
Might just want to invest in good ETF instead of picking individual stocks? VOO / VTI / VXUS / VT / VGT
See r/bogleheads still young. Up your savings as you can and DCA into VOO or something similar per boglehead info.
My sneaky pick that NOBODY will guess. VOO.
Original purpose of these 2x, 3x, and 4x etfs are for DAILY trading so a person could get 3x DAILY exposure to say the S&P500 without 3x the money. VOO costs $600. UPRO $120. You have $500 dollars. Before fractional shares you could buy 0shares of VOO. Even with fractional you would only get $500 of max exposure to VOO. With UPRO you should theoretically get $1500 exposure to UPRO (for a day). We've had a near 2 decade bull rally with no real major downturns so folks look at the UPRO/TQQQ charts and think they always go up. Problem is you'd get fucked if you bought PRO on 2000 or 2007. Also vol decay means you'll still lose if the S&P500 goes up but not enough.
I would wait to see how much we go up between now and the 2nd trading day of January that is the Santa Claus Rally. You may get a bounce up on some of these. If you list them for me again here I will look at the charts tomorrow. Keep in mind you never want everything in one area and bitcoin is very volatile. I am bullish on AI Energy myself and AI in general and the ETF for that is IGV but I bought it at 85 and I think it is too high now. I also think SPY, QQQ are too high. The buy on SPY was on pullback to 650 and now it is back up at 690. If you dollar cost average you put a set amount each month and no timing. Make sense? VOO is a van guard fund for investing do research. Listen to a show. Tfnn.com is a good site and TTG on you tube is good Sunday night. good luck
The 6 months is the prudent thing to do. Especially at the beginning. But once you’ve been DCA into VOO for several years. Constantly increasing the auto investment amount, you come to realize you don’t need that much emergency funds. Even if you are forced to liquidate in a non favorable market for whatever unexpected large expense, your money is so appreciated at that point you shouldn’t care. What is the alternative, have less purchasing power with that emergency fund you’ve been holding for 20 years? I understand why us professionals recommend it. Because it is borderline negligent to not to. But that is CYA stuff. That’s why I tell people to buy auto and weekly in a taxable. First start with what is comfortable, then work to increase that weekly. Sure, have that emergency fund, but after 8-9 years, you likely come to realize it is not that necessary if you accept certain levels of risk.
fwiw I lost close to $50k several years ago playing w options and spent months feelign depressed about it, I don't think there's a great way to 'get over it' besides time and healing. If your loved oneas are healthy and you have steady emplyment you are richer than most. Stick to buying VOO, QQQ, etc and no more options.
You are young so think of this as a costly but good lesson in investing. The market has gone up 3 years straight and you are down, feels like you are gambling, not investing. Since you are young your best asset is time, invest slowly, dollar cost average, get your investments on solid ground (VOO, VWO, NOBL, VIOO, VTI) diversification, low cost index funds, boring I know. Once you have this established then you can mess around with 3-5% of your portfolio on risky assets. I think a lot of people have this backwards and eventually it ends bad. I feel for you, I have made similar mistakes when I was younger, you can and will recover. Please don’t “double down”. Good luck!
If OP is willing to be active for options trading, then they don’t need to put everything in VOO. This post didn’t sound like they were looking for “set it and forget it.” However I agree that a % should just be parked there, absolutely. But if they’re willing to learn and monitor, I have about 1/3 of the account in speculative stocks with limit orders around 3-5% (but variable depending on the ticker). This allows me to secure volatility gains in my sleep and then I just cycle through a bunch of tickers to always keep the money working. Usually end up with about 10-12 sales a month on average in a bear market. The constant compounding really helps the TWR metric take off throughout the year, I have to say.
Buy VOO and never touch options again
I put it all into VOO except I would take like 10% and port it into a SPY LEAP expiring in 2028. See what happens.
Firstly, you still have $35k. Remember there are people whinge fine in to debt trading options. Secondly, stop gambling. If these are you life savings, then dump it in to SPY or VOO and forget about it. Let that $40k be a lifelong reminder that you should be playing with options especially not with your savings.
Tbh this is a shit world we're living in. No matter how hard we work, it feels like we won't be able to accomplish much and earn enough. It is known that more and more people turn to gambling and risky investments in desperation and despair, and all investment apps are making it easier to just gamble. So set one rule for yourself from now on: don't act on emotions and don't buy if the VIX index is below 15. Just invest medium to long term (and no less than 5 years) in companies that you believe to have value, strong fundamentals, and potential to grow. Make sure you educate yourself before investing and always do your own research. If you don't have time to read books, listen to podcasts (e.g. the excellent one by Steve Eisman). If, even then, you don't feel comfortable with picking stocks, then just buy SPY or VOO, or VanEck Gold and VanEck Defense. I know it's Christmas, but it's a delusion to think that we're going back to times of peace. More than anything, I hope you have as good a holiday break as possible, man. Look after yourself!
I’ve been through loss like this. What I did was learn from it. Don’t try to ‘make it back quickly’. Gets worse. $37k lost is a lot, and not a lot. If you invest the remaining in an etf like VOO and then continue to work hard, you’ll be back in no time. Focus on increasing your income if you can. You’ll be ok.
VOO returned 15% this year, Silver 145%, Sandisk 613%. Keep is simple, stay away from option nonsense. Learn to pick some winners, do your homework. The amounts you mentioned are recoverable. Maybe you need to watch some Dave Ramsey.
Stay the fuck away from options. Put that money in VOO or VTI and FORGET ABOUT IT. In 5 years you will have all your money back and that’s assuming you don’t add any money to the initial 37k. If you steadily contribute you will surpass your initial loss much much faster. Sure 5 years may seem like a lot but it’s better than losing it all. Again stay away from options and day trading and just invest and keep buying more each pay check. You’ll get there in 2 years if you are smart.
careful listening to redditors just because they are willing to respond doesnt mean their responses are accurate. if you look at the last few drawdowns - in most cases voo/spy went down more percentage points than spmo from february 2025 highs to the tarriff liberation day lows - spy/voo lost 12% while spmo dropped 7% SPMO might be a better long term choice than VOO hard to tell just yet
Keep putting money into VOO or VT and in ten years you won't even care.
Stop gambling and just buy VOO. you'll at least be able to write off these losses on your taxes
VOO and chill, you would forget this in a few years. PS. Maybe add some QQQ in there.