VOO

hv876

Value investors aren’t going to do fuck all in a world where one man is actually deciding to fuck shit up, because *butt hurt*. VOO and chill dead till Jan 20, 2029.

Heyhayheigh

I mention quoting buffet as an excuse to panic sell. Buffet said normies should DCA VOO. Way to miss the entire point. Lol

AlgoTradingQuant

🥱 VOO and chill or if you believe that then put all your money in SQQQ and let us know how that works out for ya

Heyhayheigh

Open a Fidelity account. Click trade > recurring, buy a weekly amount of VOO, whatever you can comfortably swing. Sell only if you have an urgent expense to pay for. Work to increase that weekly amount. Never rely on self discipline. Automate. Then read whatever want after that. Less reading more doing. Best of luck.

BodomDeth

What is the difference between saying Gold at ATH and is overvalued vs VOO is at ATH and is overvalued?

ThanksS0muchY0

I started making the Ex-US move last February. I'm still heavily weighted in US, but what I did move has seen amazing growth. Particularly the European defence sector. But even VXUS outperformed VOO, especially on the timeline of my sell off and buy in. Unfortunately the majority of my holdings are not tax advantaged, so I have to eat CG taxes for anything I move. Slowly but surely.

Jimmy_Mcnutty_

VTI has the same pros as VOO I assume, RE the taxable brokerage

RaspberryPavlova126

No problem at all! I opened hers in Arizona at Fidelity (only choice for AZ self managed).  The investment choices available to me were limited but actually fairly varied (target date funds, some blended funds and even a “bank portfolio” - I guess for when you need to de-risk right before college starts?).  I went with 50% S&P500 (VOO equivalent) and 50% “Large Cap International” - not quite VXUS but the closest they had. I might add a small cap component, not sure yet. But! Pertinent to you! I suggest you do some specific research before opening the accounts - because state rules differ and you are not limited to your (or the beneficiary’s) state. If your state offers a tax break - then just google how to open a 529 in your state. If it doesn’t, you might want to check out something like this (or just google “compare 529 plans by state”): https://www.collegesavings.org/529-search-and-comparison

bank_truth_cs

5-7 years is a middle-of-the-road timeline. Growth helps, but timing risk is real. The main issue is concentration. Individual stocks can swing hard, and that’s rough when the money has a deadline. Shifting part of it into broad funds like VTI or VOO, then keeping around 40-50% in a HYSA, gives you growth without putting the whole down payment at risk. Markets can easily be down when you’re ready to buy, and with a house, that timing matters. HYSAs help offset that, and rates change often, which is why we track and compare them on our website. Don’t put everything in one place when the goal and timeline are clear.

Psych40

I get your 2013–2026 example, but it’s a backward‑looking slice of an unusually good equity regime (falling/zero rates, QE tailwind, globalization tailwinds). You’re also comparing one highly financialized risk asset (VOO) to two single‑asset choices (one condo, unlevered; bullion only) as if the real decision set were ‘all stocks’ vs ‘all gold’ vs ‘one property.’ In a fiscal‑dominance world where debt *has* to be inflated away as a matter of practical, if not mathematical necessity, I’m less interested in which line was highest on a backtest and more interested in owning a mix of off‑grid collateral (gold, silver, land) plus productive, taxable assets (equities, real estate) so I’m not all‑in on one particular investment thesis or overall macro regime. From my side of the table, bullion isn’t a ‘stress‑relief toy’ so much as regime insurance: no counterparty risk, no board of directors, no Fed, and no dividend that can be cut in real terms, which, by the way is precisely why central banks have been massively, mechanically, & price-insensitively accumulating gold for years now. Index investing has its place & can compound & can be reasonable places to put money even in today’s world but putting one’s eggs entirely in such a basket when financial repression, capital controls & dollar devaluation seem to be increasingly our collective fate seems unwise from a long term purchasing power / capital preservation perspective imho

Just_Candle_315

Gold is actually $5000 per ounce now, 20% higher than stated and VOO P/E is at an ATH wildly overvalued

theshamwowguy

I know it feels like youre being targeted, I've felt that way before as well. But its not true. No one cares about your hundreds of dollars. Its time to stop timing the market, you've proven you cant do it. Don't pick individual stocks, 90% of people fuck it up. Yourself included. Find an etf with a low expense ratio like VOO, dump everything into it and live your life.

dritu_

Lots of people on this sub say VOO and chill, but volatility is tough to stomach for most new investors. I'd recommend a more balanced portfolio that has gains similar to the S&P 500 but only 1/3 the drawdown depth: * 40% VTI - total US market * 30% DBMF - managed futures fund * 20% GLDM - gold * 10% BND - total US bond market [Backtest](https://testfol.io/?s=c8YmC0gehiy) since 2000 is on par with S&P 500 returns. Underperforms since 2012 of course, but not that much considering. Rebalance via contributions. 97% chance of being up 3 years out (compared to 79% for S&P 500). Basically, this portfolio is a safer way to preserve capital while growing it in any economic environment: high/low inflation and high/low growth. Each asset performs well in some of those environments. Together, they zig when others zag, leading to a strong return while limiting volatility.

deiXide

So, VOO?

3VRMS

VOO is plenty aggressive and risky enough. Keep at it if your willing to tolerate that degree of risk, or diversify more with something like VT. Understand risk does not mean volatility. Volatility is your friend in investing.  Risk is the permanent, unrecoverable loss of money.  Make sure you have a good amount of savings on the side to weather life's storms, so you're not forced to lock in loses when it's the worst of times.

Suck_Boy_Tony

Open a HYSA. Think about opening an IRA and do your best to max it out every year. Invest with growth in mind. Keep investing in VOO but maybe pick something more aggressive, too. Something like SCHG. I'd recommend sticking with ETFs and Index funds until you have a better understanding of investing. Think about diversifying with a blend of large, mid, or small cap, foreign and emerging markets, as well as precious metals. But probably the most important thing is to look for a higher paying job. The more expendable income you have, the more you can invest. Best of luck!

mr_stupid_face

I am tired of trading. I may just VOO and chill. I also am tired of working, I don’t think I am going to work anymore. Yeti erotica is my future

iamNotLyingMan

VOO 100%

X_KOOK

Yeah that’s why I added option advice but if he really just wants to get ahead without trying he’d just buy VOO

Emotional-Power-7242

There's a strong argument for AVUV but you need to be prepared to hold it for 30 years. Historically small cap value has had higher returns than the overall market over most long periods of time but it does it by underperforming for 10+ year periods and then having a really good year. We're currently in a 20 year period of small cap value recieving lower returns than the S&P 500. Market mechanics dictate that it should eventually reverse the trend and get higher returns, but if you had just held it for 10 years and then sold you would have locked in massive underperformance. You need to think really hard about AVUV and read the literature and really understand why you're doing it, and the fact that you're asking this question shows thet you don't fully understand it currently. There's nothing wrong with getting 10% or so small blend for diversification, because if you buy VOO you are excluding small caps, so you're just adding them back in. VTI is basically VOO + 13% mid caps + 7% small caps.

BeneficialQuality899

The only other holding I have is VOO. I am wondering if I should have picked AVUV instead. Will hold for at least 10 years

Stressisnotgood

If you own VOO, you own the stock

therealjerseytom

> I want a diversified, growth-oriented portfolio that provides a nice amount of dividends to reinvest. Why dividends? The only thing that you should be focusing on for this account, at your age, is total return. Dividends are meaningless. > 1 VHT - I wanted healthcare exposure You already have healthcare as a sector within VOO. > 1 VGT - Read that this paired well with QQQM [...] 1 XAR & 1 XLE - With the Trump/Venezuela/Oil situation, I wanted to be ahead You already have all of these as part of VOO. Franky, you could just be 100% VT. *For about the next decade, the amount of money you can save and contribute consistently is going to make way more difference than farting around on these under/over-weight sector choices.*

orangeyougladiator

Set up a daily auto buy for the next 6 months to a year so you get the average price. Go for VOO and VGT as your main stake, then take 20% for speculative ETFs. I would recommend space and robotics based ETFs for the next couple years.

Academic_Dust2467

Looks like a pretty good mix so far and great job getting started young! You’re young, so I think 100% equities is the way to go. In terms of ETFs, I think you have to decide for yourself whether or not your goal is to match the market, or try to beat it. If you want to match it, then some mixture of VOO, QQQ, and VXUS is probably going to be the simplest and most effective approach. They are already diversified and will capture the majority of the big moves in any sector. You’re young enough, that if you stick to your plan and sock away 10%+ of your income (branching out into a taxable account or HSA if you hit the IRA limits), compounding returns will get you well past one million (but keep in mind that by the time you retire, you’ll probably need 2-3 million after inflation) If you want to try to beat it, that’s tough and a lot of people will tell you it’s impossible and to not even try. I have been able to beat the market this way, however. You’re young enough that taking some risk with individual stocks might be worth it. I find individual stocks and companies easier to evaluate for myself and to predict than entire sectors, and the returns are usually more pronounced (and yes, sometimes the losses). I focus on a couple companies that I’ve researched myself and really believe in, and then use a service like Seeking Alpha to find asymmetric plays that the rest of the market might not see yet and to help me diversify. I used Motley Fool for a while, but have found quantitative approaches like Seeking Alpha and Zack’s to be more effective for myself. With individual stocks, however, I’d recommend a largely buy and hold approach. Regular trading tends to lower returns.

amg-rx7

Go to one of the various charting tools, enter VOO, then find the Compare or Comparison button and add the rest of your investments, then go to the time range and do a custom time range and set the date to the start of your account. Look at the chart and figure out which investments aren’t performing. Then think about what you want to do. At your age, I would kiss and do 60% VOO and 40% VUG, VGT or something growth oriented and DCA every month

kaws510

The information provided for the options we have are Average annual total return and Cumulative Total Returns. I'll have to dig more to see what the definitions of these are. Cumulative total return should be how the stock my employer lets us choose performed over X years? Not sure what average annual total return is. Cumulative total return for X stock allowed by employer for X amount of years should be able to be compared to how for example VOO performed in the same time frame? It looks like using the brokerage link and choosing a stock outside of what my employer limits should perform better (especially if I pick one which tracks either the total US stock market/top 500, etc)

ayomsb

Doesn’t beat VOO or VTI over time. 

AdamGSMA

I sold my shares at a loss when it hit $495 last fall and bought good tech stocks and VOO. No regrets whatsoever! It’s trading at $481 as I write this.

fn_gpsguy

You need to use the information provided by your employer’s plan. I am retired now, but when I was employed and contributing to my retirement plan, I was limited to the performance data they provided. While the limited number of mutual funds I could choose from had familiar names, they were institutional funds and didn’t have a retail stock ticker. Since we didn’t have access to brokerage link, my comparison was limited to comparisons between say the 2-3 large cap funds I had access to. Or, a mutual fund in one of the other groups like small cap, international, etc. Going out on a limb, if you’ve only seen 50% cumulative growth in the past 5 years, you’ve underperformed VOO. My guess is those limited funds you have access to are considered to be safer investments than MFs, ETFs, stocks, etc. that you have access to via brokerage link. So, if would prefer to invest in VOO, go for it. Depending on your age, risk tolerance, etc., I might be inclined to add some individual stocks. VOO is heavily concentrated in the tech stocks, so I might pick something different like LLY which has a smaller weight and probably has good potential in the near term, due to the GLP-1 medications. [Note: I have a diversified portfolio of individual stocks and LLY is one of my holdings.]

Matt2_ASC

Anyone who bought European index funds the day on inauguration day has outperformed VOO. The question is whether that trend continues or if it changes and when to rebalance.

moSNAP

If you are a penny pincher instead of VOO or IVV, go SWPPX if you're at Schwab or FXAIX if you're at Fidelity 0.02% SWPPX/FXAIX vs 0.03% IVV/VOO Mutual Funds give less anxiety, imo and you can just buy plain dollar amounts. The con is you won't get updated prices until later on in the day.

m9hrdad

The thing is with cyber security companies, one breach and they take forever to recover. The MER is 0.6% which might be higher than broad market etfs like VOO and VTI, but it's right on par with thematic ETFs. Youre paying for insurance, at least that's the way I look at it. Also these cyber security companies work on several layers within the tech stack. You're capturing everything in one etf as opposed to single companies. I do believe HACK will do really well in the long term. Cyber is only getting more and more relevant with the amount of data being consumed.

kaws510

I'm not trying to pick stocks to beat the sp500, I'm trying to find out if the stocks my plan limits me to are worse/better performers than VOO/VTI. My plan limits me to a limited number of stocks. Utilizing brokerage link I can invest instead in VOO (for example) instead of what my plan limits me to. My plan doesn't allow me to invest in VOO. I can invest in VOO if I decide to utilize brokerage link and jump thru a few steps.

kaws510

ignoring the retirement question, how can I tell if the stocks my plan limits me to are better than VOO/VTI, etc? With the stocks I can choose from, I can see their Average annual total return and Cumulative Total Returns. Do I then google VTI and see what the Average annual total return and Cumulative Total Return is for the last 5 years and compare? I'm trying to figure out if the stocks my plan limits me to are better/worse performers than the options for brokerage link. Brokerage link allows me to almost invest in any stock I want.

God_I_Love_Men

What I've learned from this sub: any subtle dip is a massive event that requires selling your entire portfolio because "it's different this time". Or you could consider an annual, monthly, quarterly, etc. Investment into to VOO, VTI, or a combo of VTI/VXUS for 30+ years amd retire worh more money.

robbel

I’d highly suggest using that money you’d invest into VTI/VOO to acquire precious metals. Just to give you a why, I bought gold in January 2025 for around $2650/ozt. Today, a year later, gold is at $4950/ozt, or a 87% increase. You’ll never find returns like that anywhere else. Silver was ~$29/ozt in January 2025, and today is hovering 30¢ shy of $100/ozt.

Heyhayheigh

There are a bunch of individual stocks that have beat sp500, that isn’t the point of VOO and chill. You would have to be clairvoyant to pick them correctly. Set it to lowest cost sp500. Try to put as much in there as possible. Play with some individual stocks if you want, but the majority should just be low cost sp500. The benefit is not having to “manage”, and you will be less likely to market time or panic sell with VOO. You don’t realize the true dangers of stock picking. The emotions. The rollercoaster. The falling in love with old low cost basis and never adding more. The heavy lifter should be DCA VOO and chill. Normal money should be that way too. Best of luck in learning this.

Vlisa

Horseshit. We're seeing record inflows from etfs rn. VOO is already seen 16B this month. https://etfdb.com/news/2026/01/21/etf-industry-sets-annual-inflow-record/

Ok_Smell_453

You guys realize that's like saying VOO is the same as VUG. 👨‍❤️‍👨🏹🏹👨‍❤️‍👨

Zealousideal_Look275

VOO is the long term statistical correct answer  Reddit is always wrong Talking heads (Cramer) is also wrong Never trade Macro Never trade your politics If your not doing VOO then best to focus on one segment of the market  Never marry a trade All time high bring more all time highs until they don’t 

SainteDeus

If you held GLD you would have been underperforming VOO for like 9 and a half years. It’s only been recently that GLD had taken the lead. If you look at almost any other time period VOO has outperformed.

DesignedIt

Wouldn't buying manually the day you get your paycheck be best? Say you automatically buy $5,000 every other week. What if you have $7,000 in your account for paycheck 1 and $1,000 in expenses until you get your next paycheck -- you could have manually invested $6,000. Then for paycheck 2 you end up having $10,000 and only have $500 in expenses until your next paycheck, you could have invested $9,500. I wouldn't want to leave any more than a few hundred dollars left uninvested at a time. Also, if a stock dips hard one week over the last year and you buy something like VOO automatically, then you miss out on your one chance of manually buying the stock that dipped. If you sell then you're taxed on the profits so never sell. Better to pay for something urgent with your credit card and then pay off your credit card before next month with your next paychecks instead of automatically investing more.

Kawikawilliams

VOO ???

JustCallmeJayden

Please for the love of all that is holy, put half of that in VOO and then you can delete the other half on calls and atleast you'll still have something

ArthurDent4200

A lot of withdrawal plans involve starting at a certain percentage but allowing that percentage to grow with inflation. I think that is why you are getting many people saying 5% is too high but think that 3% starting but adjusting for inflation is fine. This brings up another question. You say "for life," but life ends. Are you in your 30's? Are you in your 50's? For life can be very different depending on your start age. Another question is the day you draw your last breath, do you expect the balance to be $1M or are you looking for it to be much closer to zero? I am thinking at 63, I could pull 5% yearly out of an account in VOO till the day I die. In fact, mathematically, I can guarantee it. Let's say in 10 years, the account is worth $200. 5% is $10. No problem. If the question is could I pull $50K/year? Probably at 63. Probably not at 30. How old are you????

Waste_Scarcity4685

In order to balance out my gambling addiction, I’m also doing a boring boomer strat: every Monday, I buy 2 VOO and 5 VTI. Been doing that for 4 months, and that part of my port is outperforming my options plays. There is probably a lesson to be learned here, but I don’t care.

RIPSAREFUTING

If you haven't got the memo yet, everyone is selling the US. VXUS and many other non US index funds are killing it. Age of VOO and chill is over.

Comprehensive-Law293

I will report back when I’m ready to deploy. Sell & take your money. Look for the next winner or VOO & chill. A 50-60% down turn is not at all out of the question. just cause I’m drooling for puts when the time comes doesn’t mean I don’t want you to win. I hope you make millions.

IllBuyYourCar

Swapped out my VOO shares for GLD, no idea why I didn’t do this weeks or even months ago lol

Outrageous_Tip_2133

The most boring advice is to just DCA (Dollar Cost Average),i.e. buy a fixed amount every week/bi-weekly/monthly regardless of where the market is going. That way you don't miss any dips and you avoid buying everything at the top. I have run simulations of DCA from 1990 though now for different 10 year periods using VOO, VUG, VTI, QQQ, etc and it is proven to work so far for any 10 year period. Past performance doesn't guarantee future returns but I think for a retail investor without too much capital, no inside knowledge, and no advanced trading algorithms and tools, this is the best strategy.

Valkorion335786

I would rather by VOO

Prudent-Corgi3793

Posting this as VOO trails VXUS and GLD today. And for the week, month, 3 months, 6 months, and year.

captainodyssey01

I did! Maxed out my 2025 and 2026 roth ira and put it all into VOO. It felt nauseating having that much to risk. Going to play around with the rest but de-risk a lot. I’m only 23 so I know i’m way ahed of the curb.

Nota-downer

Would she be okay if you gift her the VOO as an engagement present (for her to keep it forever) and you buy her a cheapie ring for like $300 in place of the engagement ring? Its not as romantic but hey imma girl, I wouldn’t mind. 🤷‍♀️

Gom_KBull

Serves you VOO cuckbois right, pick out stocks like a real man

shasta747

Stick with VOO grandpa

AI-StockAnalyst

The system I use is based on a sophisticated AI analysis combining data from the last 5 years with the latest press analysis. I can create multiple Virtual-Portfolio™, analyze and compare them. After using it for your list, my system tells me: Ticker | Company Name | Price | Combined Score | Recommendation | Sentiment Score | Sentiment Confidence \-------------------------------------------------------------------------------------------------------- IOO | iShares Global 100 ETF | 127.22 | 69.70 | Hold | 0.99 | 4% QQQ | Invesco QQQ Trust | 621.82 | 80.53 | Strong Buy | 0.73 | 100% SOXX | iShares Semiconductor ETF | 349.28 | 62.40 | Hold | 0.99 | 24% VOO | Vanguard S&P 500 ETF | 635.21 | 82.36 | Strong Buy | 0.94 | 100% VT | Vanguard Total World Stock Index Fund ETF Shares | 145.24 | 78.55 | Strong Buy | 1.00 | 2% VXUS | Vanguard Total International Stock Index Fund ETF Shares | 79.20 | 75.00 | Buy | 0.99 | 20% XOM | Exxon Mobil Corp | 133.75 | 80.02 | Strong Buy | 0.84 | 100%

Federal-Hearing-7270

You should stick to VOO.

Great_Northern_Beans

Weird comment. I'm 80% international right now and feel like a fucking moron for the 20% that's massively underperforming. My European stocks have more than doubled my VOO returns in the last year...

BlueWaffle135

Buy VOO

East-Bar-4324

I’d hold VOO if possible since it’s your broad, low-risk growth

HelpfulWolverine3484

I’d sell individual - if you made a profit then there you go that’s your ring money. IMO regardless of what account it’s in, VOO is for retirement. It’s the investment I’m gonna keep making until I retire and will not sell unless I find another investment (house, land, etc). Walmart stock is not going anywhere in the next 5-10 years. It’s pretty stable and there’s a reason for so. You won’t lose too much gains by exiting and entering back later on. That’s just my opinion tho and I’d do some more research and talk to any mentors/advisors as well.

RealLychee3700

Depends what you prioritize. If you're looking for stability, lower upside, and lower downside, sell individual stocks and keep the VOO. If you're looking for a higher ceiling and lower floor, sell the VOO and keep the stocks. No matter what you sell, consider tax implications. Whether you're realizing a capital loss or a capital gain, there will be downstream effects that you may also want to consider.

LightForceUnlimited

I don't understand the question. Are you asking if you already own VTI or VOO do you need to rebalance with just VT?

jackfromjacknjill

Do you have to go back in & change up with VTI or VOO? I didn’t think so

Metal-Water

So Sandisk is the new VOO?

Cruian

VOO is fully included inside VTI, I'd drop VOO. On including QQQ(M): Remember this has heavy overlap (over 80% by count) with the S&P 500 (possibly even more with VTI). Look only at the inclusion criteria, not past returns (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense. Then you say you don't want to be over dependent on tech: VTI and VOO from memory are around 30% tech, QQQ(M) around 50%, and that's not including the companies you may consider tech but the market classifies elsewhere (Alphabet/Google, Meta/Facebook, Amazon, Tesla as 4 huge examples). VTI + VXUS alone give you essentially total world coverage. Common current recommendations I've seen tend to be 30-40% of stock be international, so you're a bit light on the VXUS.

ResponsibilityNo8415

I was debating dropping VOO for 70% VTI. I dont see why id completely dump VXUS. And QQQ is mostly just for the high potential growth without volatility

captainodyssey01

My 300% 1yr with all profits put into VOO says otherwise lol

SteelWheelsssss

I'll be happy with 5 million. I would just dump it in VOO and fuck off lol.

CornerOne238

25 mil in VOO? Seems like you can afford to do whatever you want

uhfgs

98.56%, up 153.3k. Just old style holding tech stocks. Held VOO for a few years, switched to MSFT and GOOG around April, switched MSFT to GOOG around October. Pure luck no skills. Full port GOOG tn, would not recommend trying.

Itchy_Document_5843

I just can't wrap my head around it. I cashed out my entire account and all my retirement funds just minutes before Trump folded. I must have lost tens of thousands in a single day, and now I'm staring at this massive tax bill on top of it. I should've stuck to my original plan of buying VOO and holding for decades instead of fucking around with individual stocks. I'm just desperately hoping he does something crazy again soon, something that sparks another liberation day so I can buy back in. I just hate this administration so much.

__redruM

Passive index fund investing. At a risk level you’re comfortable with. VT to VTI to VOO to QQQ to SMH. But from each paycheck and hold for long periods, decades even.

RagnarokWolves

VT if you want to be a multi-millionaire in old age no matter what changes happen on the world stage, VOO if you're feeling frisky and want to go all-in on US companies.

Futureleak

Yeah, I feel weird since I got in at 6, and even had calls that printed a few grand, but j sold and moved the funds to VOO. I regret not just renting more shares with the money :/

blindnlearning2see

You can convert your target date to other assets. I moved into 70% VOO and 30% VEU after a certain executive order removed some guard rails from target date plans.

Consistent_Fan954

I would cut my dick off and use it as a tennis racket if I could win like this. Back to VOO and chill for me.

Gom_KBull

VOO cucks mad

Imperial_Toast

You’re not as smart as you think you are. You can’t beat the market. You can’t time the market. Don’t overthink. Most people fret about VT vs VOO but it doesn’t really matter. A lot of people fret about saving 0.001% on an ETF fee but that doesn’t really matter either. What you SHOULD overthink is getting your income up. Invest in classes, schooling, certificates, business equipment etc to up your income. THAT is the biggest driver of wealth later, because you can’t generate a lot later without starting with a lot now. Put 80% in VT, VOO, or a target date fund and DO NOT TOUCH IT until your retirement age. Put at least 5% of every paycheck away for auto invest into that section of VT or VOO.

AverageAngling

You aren’t going to earn money day trading, so I wouldn’t bother worrying about it. Just VOO and chill

Unknown_Lifeform1104

VOO and chill

Fubbalicious

Read “The Simple Path to Wealth” by JL Collins. It will change your relationship with money. It’s basically a how to guide to the /r/FIRE movement (financial independence, retire early). At 38, you have time to recover. Just keep saving and investing 15% (ideally 20%) of your income and invest in broad market index funds or ETFs. You can do the VOO or VTI and chill or if you want international exposure you can add VXUS or go completely VT and have both US and international in one ETF. A 15% rate of saving over 25 years should get you to 10x your gross income if we assume an inflation adjusted 7% ROI—this assumes 10% average growth less 3% inflation. With 10x your income saved plus social security and hopefully no debt and a paid or mostly paid off house, you’ll have a very nice retirement. If you’re a high income earner, you can accelerate this process or have a fatter retirement. What I like with index investing is you buy when the market is up or the market is down. You just keep buying and holding and ignore the noise and keep investing because it will take 20+ years before you’ve accumulated enough. Don’t get tempted to try to play catch-up. Bogleheads style index investing works as I and many others are proof of it. It’s not sexy and will get boring, but then you can use your energy towards creative endeavors versus chasing the thrill on individual stock investing.

RiffBeastx

Not for me, at least until I hit retirement age, and no more than 5% of my portfolio. VOO & VT are the acceleration and growth, JEPQ is a bit of coast, if you know what I mean.

frogsexchange

Whats VOO?

burner118373

Don’t trade with any amount of money you wouldn’t bet at a casino. 95% VOO (or similar) and chill. The rest you should totally bet on the company your aunts cousins boyfriends hairdresser told you about.

Heyhayheigh

Automate. Setup an auto weekly buy. Work to increase the weekly amount. Use a platform that supports fractionals. Doesn’t mater if it is VOO or stocks that you like. Automate it. Only sell when you have something urgent to pay for. If you buy stuff that you have to “monitor”, you bought the wrong stuff to begin with. This should be the majority of your investing. You can do one-off stuff on the side. But the majority should be automated. Learn this early and it’s really all you need to know.

RIPSAREFUTING

Yup. This kind of emotional and irrational trading is why most people lose money trying and exactly why they should just VOO and chill.

MorrisseysRubiksCube

I checked with AI.... *what would $500,000 invested in VOO on march 15 2020 be worth today?* A $500,000 lump‑sum investment into VOO on March 15, 2020 would be worth *roughly $1.6–$1.7 million today*, based on the price change from the COVID‑crash levels to the current \~$630 range.

WhiteNikeAirs

My guy. What kind of research were you doing? [This portfolio](https://www.reddit.com/r/wallstreetbets/s/keFUbk5fmV) on your profile from 3 years ago is absolute regard shit. Vimeo and its parent company? You really thought you were going to beat the market with YouTube/Google’s far less successful, jealous, distant cousin? The only good stock you owned then was AAPL. It’s really hard to feel any sort of sympathy for you. This account is 100% geared towards getting rich quick without a clear strategy. Luckily, you seem to make a lot of money, you can VOO and forget from now on and likely recover. But never forget, while high schoolers were beating the market, YOUR (fully grown) dumbass was making completely uneducated bets that cost you a small fortune.

ChairmanMeow1986

Wait, you managed this with VOO?

LisaSu92

I suggest you read a book by John Bogle. There’s a saying called “VOO and chill” that gets parroted during market volatility and it’s for good reason. The laziest investors make the most money in the long run.

AnyHat8807

VOO and chill lol

TetonHiker

You are a funny funny man and a good writer. You should write a book about your experiences. Then get it optioned to be turned into a movie. I'm serious! You can make back your $500K loss and more THAT way. Use your talents.. Plus you can get booked to do funny inspirational speeches about how you lost it all, thought about ending it all and then got it all back and THEN some by writing about it. You don't have to make it back where you lost it. Turn that creative streak in you to gold. Then VOO and chill with your profits. Trading is not for you. Not because you're not smart-you clearly are. But because you have a wee bit of a tendency to gamble recklessly. You are only 38! Everyone loves a come back and redemption story. Waaay more than commercials. Think about it.

Minimum_Rice555

Thing is, VOO can absolutely crab for a decade or go negative from now on. What do you see as catalyst of growth in VOO? S&P has been going sideways for the last 3 months already. In fact we are below October prices now.

Trialbyfuego

Lost 6 thousand last summer while out of work for a month........... it's been rough since. It's all my vault lmao but oh whale.  If i just bought VOO last year yada yada yada you know the rest who gives a fuck

IndependentBoth2831

VOO

dopeonplastique

Please just VOO and chill from here. You can put that in your next website.

uberdruck

Hello! Thank you for your detailed answer. It actually makes sense because that takes out the stress and wasted time aspect out of it. I am not going to ignore it, I was approaching it more as an end-game/longer term goal for investing in a index fund such as VOO, VXI, or QQQ. But now it seems like a better idea to allocate 50% of my total capital on one of those and trade with the other 50% on more stable/less volatile stocks to increase my capital and divide the profits equally among two investment types instead of just considering myself a short/mid term trader. My main concern on this endeavour is I live in Turkey and earn TRY, which has lost a lot of its value to the USD, so that's why I want to increase my capital in USD to make it more impactful, as right now I can only add ~700USD every month to my investment capital, and that just wouldn't really bring a lot of returns in either trading or long term investing because although it is a lot of money for me every month, it gets dwarfed when exchanged to USD :/.