VOO

Brilliant_Voice1126

Good for them. VOO and chill.

Prudent-Corgi3793

>The flip side is that the S&P500 did not participate in any of the gains in companies like Tesla until 2021 after it went parabolic and was forced to buy at very high valuations. The QQQ did participate in all of the gains. The S&P 500 (and other benchmarks) serve two roles: (1) as a benchmark index and (2) as a "portfolio manager", even if we regard it as passive. Your "flip side" addresses the second role. The most appropriate comparison for the S&P 500 is not the QQQ, since the Nasdaq-100 neither seeks to track the same universe of stocks (broad large cap) nor is it market weighted. Rather, it is the Russell 1000, where the primary distinction is that the S&P 500 has the profitability filter which will temporarily exclude SpaceX, Anthropic, and OpenAI from immediate inclusion. It also allows for direct comparison between the Russell 2000 and the S&P 600, which has a similar filter. I don't have a Bloomberg subscription that will allow comparison going back to inception, but we do know that VOO has outperformed VONE by about [25 bps per year](https://testfol.io/?s=gQT5ueWTHlS) since 2010 when those ETFs were created. In the small cap universe, the benefit of the profitability screen is even more dramatic, as the S&P 600 has outperformed the Russell 2000 by [124 bps per year](https://testfol.io/?s=9eWiiHDime5) going back to 1994. If you view the telltale of VOO vs. VONE, VONE did outperform in 2021 when VOO was forced to buy Tesla at inflated valuations. But that was because Tesla was able to IPO in 2010 and grow its value on the public market, and it was one of the rare exceptions as one of the initially small cap growth stocks that not only outperformed the market--but dramatically so--despite remaining unprofitable even as late as 2019, which delayed its inclusion for so long. Maybe you think one of these companies can another exception. Maybe even all three, despite the fact that their prices have already appreciated **in the private market** from $27.1 million (SpaceX in 2002), $124 million (Anthropic in 2021), $1.0 billion (OpenAI in 2019) to over $1T each despite remaining GAAP unprofitable. You can express that optimism in by investing in their IPOs. I'll be waiting for the prospectuses of Anthropic and OpenAI, but probably sitting them out (after having already read SpaceX's).

crazybutthole

I am actually just switching future purchases away from QQQ and VTI Sp500 (VOO and IVV and DFUS) they are all supposed to not buy SpaceX until approx 12 months after ipo. We will see - news media and social media have both gone back and forth on if sp500 will or won't buy it before the 12 month rule - but that still keeps going back and forth as of today.

WhatRUsernamesUsed4

VOO is your ticket to mirror SPX and their inclusion rules

BowlingPine

VOO

nomickti

Depends what they track, VTI tracks CRSP which will have SpaceX after 5 days, VOO tracks S&P which won't have it immediately.

DoctorNezuko

No. Not at least for a year. VOO follows the S&P exactly.

_IscoATX

Alternative: invest it all into VOO, QQQM IWM etc and borrow against it at a low interest rate from IRBK, M1, RH etc. 5% interest, your portfolio easily outgrows the debt.

NoTeslaForMe

Correction: *Some* Vanguard funds. #1 ETF VOO is S&P 500 and some others are Russell. But VT, VTI, and VUG are absolutely CRSP. VTV is too, but there's no way SpaceX is a "value" company. VXF isn't CRSP, but almost by definition includes stocks excluded by S&P 500; for years, Tesla was its largest component. The idea because using CRSP was to wiggle out of the fees S&P wanted Vanguard (and thus shareholders) to pay. But this is a side effect of that.

Dinosaur_Eats_Pizza

So does this mean VOO won't contain SpaceX stock?

kommtodd

if you're buying something like VOO just buy now and don't look at it, don't look back I've seen too many friends and family hold off their investments thinking it's too expensive today only for it to be even more expensive tomorrow and before we knew it it's been 5 years and nothing got put into the markets I've also had my own experience of putting money in and immediately facing a 10-20% loss thereafter but it turned out well in the end because time really is your friend

pewdieboi29

Is there any news about VOO/VTI?

DrHarrisonLawrence

My entire brokerage account has gone 5x in 12 months. $110k -> $550k I was thinking about how many years I just caught up to VOO on that train it’s on. Feels like I am flying the Concord over it lol

Novel_Land9320

Bullish sign for VOO

theb0tman

VOO isn’t available in most 401Ks

Happy-Control5922

the part that gets me is people selling their whole portfolio to dodge it. even when it does eventually qualify the index funds buy it at the set weight on the rebalance, your VOO doesnt ask your permission. dumping your index now to avoid a name that isnt even eligible yet is just front running your own fund with worse timing

howtoretireby40

I moved out of VOO (s&p500) over to VTI (us total index) but maybe it’s time to consider VT (world total index)…

DonkeyKongBundy

Will SPYM be safe to avoid SpaceX as well or is it just VOO?

HaiKarate

Investing is about long-haul buy and hold; picking the right index fund or two, and making that the backbone of your portfolio. I tell my kids, "Put 100% of your 401(k) into VOO and forget about it." (Canadian equivalent: VFV.CA) And over decades it's going to do well for you. Yes, there will be swings in the market. But you should be contributing regularly from your paycheck, what's called Dollar Cost Averaging (DCA). You buy when it's up and you buy when it's down, and your average cost per share is somewhere in the middle. If we go through a recession, you just keep on buying because the rebound on the index fund will boost your earnings on those shares you bought at a discount. Long-haul investing is really about getting OUT of the mindset that you have to time the market, and just build, build, build.

Zernfix

SpaceX wouldn't hit VTI as hard as you think regardless of whether it's worth $1.75T. Both indexes are float-adjusted, not full market cap. SpaceX is overwhelmingly insider held (Musk plus early VC not to mention the dozen plus share classes), so only the publicly tradeable float gets weighted, not the headline number (CRSP p. 12). It also needs at least 12.5% float just to be added (CRSP p. 10-11). So a $1.75T company with a small float is a much smaller index weight than $1.75T implies. And nothing gets added at full size on day one anyway. CRSP has a seasoning rule (\~20 trading days before ranking) and an IPO lockup rule where locked shares stay out of the float until the lockup expires, using conservative registration statement estimates for the first 180 days (CRSP p. 10-13). The initial weight is built off that and not the full cap. Like I said, VTI tracks CRSP Total Market which has no cap on constituents and just adds names by float cap, spreading the impact across the whole market (CRSP p. 14). VOO and SPY track the S&P 500, a fixed 500 count, committee picked index with extra screens like positive GAAP earnings (S&P p. 8, 12) so a new entrant there actually displaces someone unlike VTI A partial float of even a $1.75T company lands as a single digit percent name at most, not the drastic shift you're picturing for VTI. [https://www.crsp.org/wp-content/uploads/guides/CRSP\_Market\_Indexes\_Methodology\_Guide.pdf](https://www.crsp.org/wp-content/uploads/guides/CRSP_Market_Indexes_Methodology_Guide.pdf) [https://www.spglobal.com/spdji/en/documents/methodologies/methodology-sp-us-indices.pdf](https://www.spglobal.com/spdji/en/documents/methodologies/methodology-sp-us-indices.pdf)

backfire10z

Fuuuuck… how do I move my VTI into VOO :/

Independent-Duck8371

S&P pushed back and didn't change rules for Spacex.  Will be at least a year and need to pass profitability screening. VOO won't have it.

Trzebs

VOO and SPY both track the S&P 500 and are virtually the same in their performance. They're basically interchangeable. I just happened to be partial to VOO. Plus, the expense ratio(operating expenses) of VOO is less than SPY; 0.03% vs 0.09%. So you're getting identical performance in exchange for cheaper operating expenses by going with VOO

TheSuppishOne

Does VOO not have SpaceX in its portfolio? I thought the big funds like VT, VTI, and VOO all had the Mags in them?

Kritios_Boy

VOO and chill

RichChocolateDevil

I'm kind of a crayon eater when it comes ot this stuff. Why VOO vs. SPY?

Certain_Yam_5824

if you really want to be safe while being in the market 1. shove that 50k into govt bonds / bills 2. stagger the terms of those bills so that you take ie 3-5k out in cash every month 3. buy $300-500 of VOO or whatever index fund everyday

Minority_Carrier

question: does this mean VOO, SPY, GPIX etc that "tracks" S&P 500 can only buy what is in the S&P500 index? Can Vanguard just disregard S&P500 and buy SpaceX under VOO

Osmarku

Noob question will index funds VOO and XLK still buy spacex?

Mouse0022

looks like I am no longer investing into VTI and will DCA into VOO instead.

Minority_Carrier

I have doubts. 401k management like Blackrock doesn't directly buy VOO, or SPY, they have their own version of ETF that tracks S&P500. Does that mean Blackrock must follow S&P500 index's weight?

Easterncoaster

Fellow “VOO and chill” investor checking in. Worked when I had $10k, still worked at $100k, and still working now at $5m.

Trzebs

VOO because it actually tracks the S&P 500, and thus, won't fast-track SpaceX because the S&P is sticking to its rules and not bending the knee to SpaceX 

mido_sama

GTA6 is coming out soon buy $TTWO or buy $MSFT and some $VOO

Trzebs

I mean, by holding VOO you will hold it eventually. Just not right away while the stock is highly inflated. 

ProudStrawberry8850

GET FUCK YOU STUPID BITCH. Go cry on Twitter about your Liquidity crisis. Full on bear for SpaceX. Time to buy more VOO.

clearmycache

So does that mean I’m still good holding on to my VOO?

ClearlyCylindrical

VOO is tracking the S&P

harpers25

Yeah, sucks for VOO holders that they were 7 years delayed on getting Tesla due to that rule.

doyer_bleu

VOO and QQQ are both ETFs that track NASDAQ

mpmaley

See some comments down below, what does this mean for VOO? And how do we know?

abzz123

so that settles the debate between VOO or VTI over at /r bogleheads then

harpers25

So us VTI investors (and the QQQers) will get in early, and the price will spike when VOO has to buy later? Great.

Any-Professor1186

Ooof, dump the rest into VOO and take a week off, then join back into the casino

CrimsonRunner

lmao, you think even the average person on here has VOO ? What alternate dimension are you from?

Generation_3and4

Thank good. More VOO for me. Don’t wanna hold that shit stock.

us1549

VOO or SPY for life

Nythoren

Dumping VOO right before the S&P is forced to swallow a bunch of overpriced SpaceX IPO. Figure I can jump right back in after the dust settles.

LibertTii

Is VOO gonna pick up pscx? Is VGT gonna pick it up? I don't think I want that...

Holiday-Plantain-296

QQQ and SPY (or IVV/VOO/etc) do not exist in corporate 401(k)s. And even if they were they're in retirement accounts... These can be adjusted at any time with no taxable event 🤦‍♂️

Terrible_Negotiation

VOO till I die, can’t change my mind.

AdUpstairs7106

If Space X causes VOO, QQQ, or any other US based ETF to collapse to $0.00 you better have spent money on guns and ammo.

YourChildhood5762

You are mistaken. Only the NASDAQ has changed the rules. If you have QQQ that may disturb you. If you have VOO then chill.

Dinosaur_Eats_Pizza

Sure, VOO and chill, that's for my retirement account. Definitely don't mess with the retirement monies. Everything else here on WSB, it's gambling lol

Ok-Blood4340

Everyone else’s answer here sucks. Also, you’re asking the wrong question. It shouldn’t be “is the price of the stock going up or dow?” But rather, “what has changed about the company that has caused its price to go up or down?” Typically the answer is going to revolve around the news, which is useless information at worst, and short term at best, or it’s going to revolve around the financials. So take a look at the financials. Is revenue growing or shrinking? Is earnings growing or shrinking? If the earnings is growing or shrinking, how is that reflected on a per share basis… IE, are we experiencing share buybacks or share dilution? How about the revenue / earnings growth rates, even if they are still growing, are the rates slowing down or speeding up? Being able to answer these questions will tell you about the change in direction of the stock price… but not the valuation, IE, is the price of the stock a price I should or shouldn’t buy it at, at what price should I buy it at, or is this a company I even want to own… that’s a whole different series of questions. I dont own AVGO so I dont know the answers to any of these questions, but I suspect that it was probably overvalued to begin with, and its just profit taking temporarily causing the price to go down, but the fundamentals will tell you the probability of the future price movements. I would suggest if one wants to own ANY company, they should ask themselves and be able to answer these questions, at a very beginner level. TLDR: without learning about revenue and earnings, and proper valuation, just buy VOO and chill.

Trzebs

DFUS basically is the same as VTI/VOO but they have stricter inclusion criteria and won't include a company in their ETF until after one year

Rare-Fox9834

Same as yesterday, hold VOO long, read wall street bets daily chats for a laugh. Look at some of the retard memes for a laugh. Watch people sell at a loss for a laugh.

DoinIt4DaShorteez

VOO only would be fine. I wouldn't do QQQ only. Nothing wrong with buying both. Buy the same number of shares of both in each account, that will skew you more to VOO. Or split it however you want, I wouldn't say there's any particular reason to avoid QQQ in general if you're in your early 30's.

Prudent-Corgi3793

I didn’t leave the US market, but I stayed in the good stuff (large growth tech) and ditched the garbage (consumer facing retail value traps with high tariff exposure) Added to factor-tilted international like DFIV, AVDV, AVEM, and DFEV. These are up +57.99%, +72.08%, +70.67%, and +69.66% when I started rebalancing at the start of February 2025, when I realized we were actually serious about the tariffs on China, Canada, and Mexico. For reference, VOO and VXUS are up +28.09% and +27.90% over the same time frame.

TrashOfOil

So you want to cap the upside of your diversified position (VOO) to hedge against downside protection of a company that will represent less than 2% of the etf? That’s an awful way to go about hedging idiosyncratic risk

Shoddy_Ad7511

No. I’m saying selling covered calls on the index funds you own and fear that Space X will hurt. For example VOO.

Shoddy_Ad7511

It isn’t just about Space X tanking. It’s about the forced sell of the other companies in order to buy Space X. Rough estimate is this could hurt something like VOO 1-2%. If you sell out of the money calls you easily recoup that loss

HelloTheirCruleWorld

Got 85k in cash (SGOV)— decided to put 15k in VOO and will put 1-5k each Friday for the next few weeks. I missed out on 4% upside (sold end of April). Can’t time the market is the lesson learned.

UnObtainium17

really annoying to see the shares I bought 5 years ago was losing to VOO by a lot.

guzzledglizzy

Should’ve just VOO and chilled

L0pat0

SPY is popular for trading and derivatives because of how liquid it is. VOO is more popular for long-term holding due to its low fees

RedditAnamika

So hold on to VOO or sell?

Moist-Dependent5241

What's so great about VOO?

alreadysharpened

VOO

TheQuarrelsomeEmu

Well the whole point of investing in ETFs or other stocks that track index funds is that you’re reducing the risk of any one holding doing poorly. That’s kind of a central tenet. Investing in a single business like SPCX directly is inherently much higher risk, with potential for more reward. Investing in an index fund has less short term potential, but substantially reduces your risk and exposure to a single stock. Any single company including the largest ones in something like SPY or VOO could fail, and the ETF price would dip but certainly would not crash completely, at least not due to a single stock.

Kaotola

You should stick to VOO. You don’t sound like you know what you’re doing.

SirGlass

Just an FYI VOO is not really a "growth fund" the S&P500 is basically the largest 500 USA based companies by market cap (And a few other criteria) Because big tech stocks have done well its mostly dominated by growth but its not really a growth fund, it hold all types of companies and it pays dividends itself My recommendation do not focus on growth or dividends either 1. Buy broad based index funds like S&P500 ; total market , that hold both growth value and dividend paying companies 2. For individual stock just buy good companies you think will have good returns. This is on a case by case basis and good value companies can have good returns and good growth companies can have good returns So just focus on broad index funds that hold both growth and value or focus on good companies that can be either growth or value I am not a fan on focusing on either .

newaccount202225

The market is fine. VOO up 80% in 5 years. I regret the day I found out about options.

Few-Improvement9978

Only 2 million? Guess i would have assumed more I’m fairly close in my early 30s now. I use like 10-15% of annual savings for WSB unhinged stock picks and the rest goes in VOO

Dazzling_Tell_4404

Lmao if you buy VOO, you're the market. Here, we're tryna beat the market.

DigitalShmoo

A company cannot be added to the sp500 unless it’s been trading publicly for at least 6mobths to a year and it also has to have 4 consecutive profitable quarters including the most recent one. This will not be added to VOO or SPY and it doesn’t have to be added to the Qi’s either

EveryNewspaper2287

Imagine just buying VOO though

SerMumble

No. The user above just called all VOO investers losers because VOO pays dividends.

harrison_wintergreen

Reddit will give you a lot of nonsense on this topic, and they will rarely support their position with actual data. notice how nobody other than me provided any links or data to outside sources of information. additionally reddit skews very young and suffers from 'recency bias', in assuming the last 10-15 years with investing predicts the next 10-15 years. but that's rarely the case. investing strategies are typically successful for a period of time, then things change and the old regime gets stomped and a new things is more successful. there's a good reason many active managers take dividends into account when analyzing companies. >for younger investors, do dividend stocks really offer any meaningful advantages compared to focusing on growth? over the last 40+ years, dividend paying stocks within the S&P 500/VOO outperformed the non-dividend paying stocks by a wide margin: https://wealthcapitalist.com/wp-content/uploads/2018/07/divi_non_divi.jpg the best performing stocks that were in the S&P 500 from 1957 starting date to 2005 were all dividend payers. see the list on page 24: https://r.jordan.im/download/investing/siegel2006.pdf Yes. The PDF you linked is the 2006 CFA Institute article *“Long-Term Returns on the Original S&P 500 Companies”* by Jeremy J. Siegel and Jeremy D. Schwartz. The page labeled **24** in the journal contains **Table 4: Returns of the 20 Top Survivors, March 1957–December 2003**. ([Jordan][1]) The stocks in that first table/chart are: 1. Altria Group (Philip Morris Companies) 2. Abbott Laboratories 3. Bristol-Myers Squibb 4. Tootsie Roll Industries 5. Pfizer 6. The Coca-Cola Company 7. Merck & Co. 8. PepsiCo 9. Colgate-Palmolive 10. Crane Company 11. H. J. Heinz Company 12. Wm. Wrigley Jr. Company 13. Fortune Brands 14. Kroger 15. Schering-Plough 16. Procter & Gamble 17. The Hershey Company 18. Wyeth 19. General Mills 20. Royal Dutch Petroleum Notice there are no tech stocks on this list, despite the importance of IBM, AT&T, Burroughs, Wang, Xerox and other tech stocks. what's your definition of 'growth'? Growth stocks like SCHG? 'growth' means 'the company's profits or revenue are growing faster than peers', not 'the stock price grows faster than other stocks' ... sometimes yes, other times no there is ample data showing dividend paying stocks can offer superior long-term results. there are several reasons: - dividend-paying stocks tend to skew towards value stocks, and value tends to beat growth over the long-term. - dividends tend to indicate profits and free cashflow which are good things for investors. - dividends tend to come from more mature, stable and boring companies which means the stocks is more reasonably valued or priced and less subject to hype and trends, all of which are good for investors. - dividend stocks tend to be more stable in downturns or long bear markets, so they win more by losing less durign major crashes. the data is summarized here: https://www.tweedy.com/managed/wp-content/uploads/sites/15/2021/03/HighDividendYieldReturnAdvantageMNGD.pdf

DoctorPhD

The simple truth is that your savings rate in your 20s is more impactful than a lot of the fine details about what you invest in. An index fund like VOO is ideal for you to max out your Roth IRA every year for about the first decade. You can revisit this plan in your 30s when you have a ton of money saved up and additional life experience on your investment philosophy. The goal in your 20s is to 1) contribute and 2) don't fiddle with it.

therealjerseytom

> I understand the basic idea of getting paid dividends and reinvesting them, but for younger investors, do dividend stocks really offer any meaningful advantages compared to focusing on growth? It's not so much about age as it is financial / investing objectives and time horizons. If you were looking to develop an "all-weather" portfolio with some focus on shorter-term stability *while giving up longer-term wealth accumulation* then dividend-focused funds could be a good component. A key concept is that *it's not so much about the dividend itself as what it represents*, which is a company or sector that is perhaps an established stalwart paying out earnings to shareholders, rather than re-investing in its own growth. I suppose there's an advantage as well in that if you want a dividend-oriented portfolio in the future, you'd avoid a major future taxable event like you'd have if you liquidated a million dollars of VOO all at once to re-invest in other assets. If your goal is long-run total return though, like having your brokerage geared for retirement, then focusing on dividend-yielding funds is shooting yourself in the foot twofold; (a) investing in non-growth companies, and (b) tax drag.

erob_official_92

At the very least, just invest the majority of your capital into VOO and only trade with a small amount of money.

Ahamadrayasbaboon

Counterpoint: they could also just buy VOO or VT every month with some sustainable percentage of their paycheck until they come upon a complex question, like whether or not to do a mega Roth conversion at 60 years old. 

mdatwood

Yeah, people keep forgetting that ETFs like VOO and VTI are float weighted. SpaceX will have ~75B in float (assuming the current price holds) so it'll make up a tiny % of the ETF - somewhere ~.1%. For comparison that's about as much cash as VOO typically has on hand or what % DoorDash makes up.

Foreign-Struggle1723

Everyone is different, and some people like the getting that cash or feel like dividend stocks don't seesaw as much. I prefer balls to walls and just go for a growth etf and VOO as my baseline. If you do the math, dividends stocks will drag your returns as you get double taxed on that income. Save the dividend stocks for retirement/near retirement.

SerMumble

What if VOO paid quarterly dividends?

mjr96d

Stick with VOO. You can always move it all to dividend stocks when you're 60.

Frothy_Walrus

Not a financial expert in anyway. But, it depends on your preferred markets? I’m diversified but not wildly: - Tech: MSFT, AAPL, AMZ, AMD, MU and RDDT as a more wild yet optimistic pick. - Healthcare: MDLN - Necessity: VTI/VOO (DCA whenever you can)

harrison_wintergreen

VXUS would beat VOO for about a decade starting 1985-86, if the ETFs went that far back. https://www.bourbonfm.com/sites/default/files/users/PatrickBourbon/US%20vs%20international%20performance.png >but is the idea here that voo historically outperforms, not necessarily.

1-Dollar-Doge-Coins

In theory, sure. In reality? GME isn’t a great growth option. They’ve been on a turnaround path for a while now, with several profitable quarters, but let’s take a look at the stock performance: 1 month: -12.5% 3 months: -7% 1 year: -28% 5 years: -62% I understand the squeeze is impacting the 5 year view, so that’s a bit screwy, but you could’ve invested your money in so many other companies, or hell, keep it safe with VOO or VTI, and you’d have made SO much more money. GameStop is a good company with strong fundamentals, but not a great option if you’re looking for the best path to growth in the stock market.

Commercial_Ease8053

No it’s not and hasn’t been for a while. Look at Dow and Nasdaq and VOO and spy for the year. Now… look at btc. No one fucking cares and hasn’t for a while.

Perfect-Payment8220

2-5 years isn't long term investing. To actual long term investors, it sounds like you want to "bet the rent money," since you expect it to still be there in 2-5 years and to then use it for something else. Real investing doesn't work that way. A low-expense S&P 500 ETF such as Vanguard's VOO (4 star rating from Morningstar) would be a good choice for growth, but with that comes a reasonable chance of losses. In 2 years, expect somewhere between a gain of 30%+ on the up side to a loss of 20% or more on the down side. It grew by about 30% in the past year. In 10 years on the other hand, historically one can expect to come out ahead even if buying at an inopportune time. A step DOWN in risk is the *Fidelity All-in-One Growth ETF* FGRO, which is rated 5 stars by Morningstar. It includes a mix of fixed income and equities so it provides more protection against a stock market crash. It grew about 20% in the past year. A further step DOWN in risk is the *Fidelity Multi-Asset Income Fund,* FMSDX. If you're very afraid of losing money and don't care as much about the opportunity for big gains, this should be a good choice. It grew about 25% in the past year. Of course I'm not your financial advisor; do your own research and/or discuss these and other options with a professional, but these are some of my own top choices. I'm more comfortable with market risk than many people and I want to generate some growth with my investments, otherwise why bother? But each of us has to find our own comfort zone.

thewimsey

> Just be aware that if you do something like this the Church of VOO and Chill will brand you as a MARKET TIMER. Perhaps even a HERETIC. Wow, you must be really brave!

Parking-Influence187

Just Buy XEQT 🙏 I have some of this and VOO personally even though I know there is overlap in what they own asset wise, I'm up and that's all that matters in the end.

booobReviewer

You're in a better spot than you think. That $4k/mo pension covers baseline living expenses, so you actually have more risk capacity than most people your age. Here's what I'd do: 1) Set aside 6 months of MA rent in a HYSA (~$18-24k) as your emergency fund 2) Max the Roth IRA for this year and next ($14k total) — all in VTI or VOO 3) Pay off the truck ($9k) — frees up that payment every month 4) Put the remaining ~$120k in a taxable brokerage, mostly VTI with maybe 20% in VXUS for diversification The pension means you can afford to be aggressive with the stock allocation since you've already got a bond-like income stream. Don't overthink it — lump sum into broad indexes and let time do the work.

TheseLeague7054

yeah I need to stop I do not have experience needsd to do this shit I just got too much FOMO and I couldn’t seem to control mtsekf I need to buy VOO or something

helpifell

2 cents from an investor with just enough wits to trust what everyone else says is a no brainer: I started seriously buying individual stocks last year and I’m up like 20-100% on the tech stocks I own (NVDIA, GOOGL, AMZN, VOO) All those stocks were basically all time highs or dipped from all time highs when I bought. I’m too scared to keep investing at the new all time highs. Sentiment says all these stocks are still a no brainer but it feels like slightly less of a no brainer now with the negative AI news coming out. TLDR: not enough money invested to get rich. But I did make money and yeah any moron could have done it.

ShootWild

Congrats. You are down 2% while VOO is up 10% YTD

BabyNimps

Drop it in VOO and forget about it. If you think the economy is heading for hard times for a duration, consider DCAing instead.

2-59project

Dude just buy VOO and forget about it for a while