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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
Totally understand dude! The good thing is you’re describing something less everyone has felt. I’m in my early 20s and regret not starting sooner, everybody does. But it doesn’t matter so you might as well start today! I’d DCA into VOO or SPLG (my preferred option) or a similar ETF to start. But just remember when the dips happen you still own the same amount of shares, you only lose money if you actually sell and realize the loss.
You mean degenerate gamblers… if you’re getting pumped and dumped in 2025, you shouldn’t be “investing” in anything other than VOO & BTC
While VOO is the larger SP500 ETF, SPY is the more liquid and tradable one. So almost everyone trades SP500 with SPY or SPX (index option).
HYSA is fine as is. Invest it. Anything is better than nothing. VOO is fine. I know that one. The rest I don't know off of the top of my head.
Man, holding TSLA since 2021 has basically been a masterclass in stress management 😂. Four years of rollercoaster rides just to end up flat… Meanwhile, $VOO holders are sipping margaritas with +30%. Curious though — do you think Tesla’s *next 4 years* will finally pay off, or is this just dead money compared to broad indexes?
Amazon has underperformed VOO since jassy took over. That’s growth alone. It also has no dividend. If you think Amazon is headed to like 290 this year then it’ll be even with the index over the past 5 years for growth. I own lots of Amazon stock that I’m not going to sell because I do see them as a safe place for money that could have explosive growth. But I’m not buying more.
VT or VOO I feel like 25 is too little to start with, but it will add up monthly so start with a fund
You have the right idea. QLD and SSO are great leverage products in my opinion and make up 40% of my portfolio (20% each). I am doing the same thing. Gonna use them till 45 and then shift to VT/VOO or a simple 3 fund portfolio. My logic is that my risk tolerance is high thanks to a fairly stable job and high income. Also, with the next 12-15 years being my accumulation phase, I have no debt and no dependents and can hold the positions as long as required to weather any drawdowns while constantly DCAing. If you’re in a similar boat, I don’t see any argument against doing this.
Everyone’s got a “market’s about to crash” article and another saying “it’s just getting started.” Truth is, nobody knows. If you’re in VOO and holding long term, you’re basically betting on the whole US economy, which has always recovered. And yeah, you might’ve bought near a short-term top, but in 10–20 years that won’t matter.
Why does everyone assume a 2007 style crash is going to happen again? You can talk about the AI bubble all you want but at the end of the day a majority of high performing stocks are growing at high rates right now. Google has a fucking 21 P/e ratio and people think it’s an ai bubble stock lol. Is PLTR a bubble? Yeah probably. But is every AI stock? Absolutely not. We’re more likely to just get a correction of 20-30% than some all out crash. Also during the dot com bubble and the financial crisis you absolutely would not lose 50% of your portfolio if you were well diversified. If you’re so worried just buy VOO and chill
VOO Becomes First ETF to Top $700 Billion in Assets
JP Morgan is fine for what you're doing. I'm with Schwab but sometimes I wish I was with Chase because I already have a checking account with them. Having everything in one place must be kinda nice. How did you go about picking those funds? Assuming you're young, I'd just invest in VOO from now on. I think like half of those are Bond funds, which you don't really need at your age. SWPPX and VOO are the same thing.
The vast majority of what I have is now in VOO
Do this. Crack open a Fidelity account. Every time you go to the gas station, buy $5 of VOO. Skip the bag of skittles you would have bought. Repeat for a year. If you can so add $100 a week, that would be better but hey, baby steps right? You'll start to see it build up as time goes on.
I just dumped a large six figure sum in to VOO last week. I’m wondering if I should just sell when I’m up a little bit on it next and just go back to the CD. I know that the ETF is a better play long-term, but I feel like time is against me to make up more ground than I will lose with a crash.
It’s just the buy and hold version of QQQ (NASDAQ). More volatile than sp500 (VOO). But if you’re set to auto buys, volatility is actually your friend. Best of luck out there.
Theres stress with VOO too. in that 4 years, could have dollar cost average into tsla just like you would with VOO
I just lump summed in to VOO. I should've done it four months ago. I really should've done it in October '22.... All of a sudden I got the urge to actually invest seriously. I just feel so weird about it knowing I don't have that 25% cushion if I had gotten in at that dip even four months back.
If you had an auto weekly you’d probably be ok. You should be doing that with VOO or QQQM. Harder to feel betrayed by indexes, pretty easy on single stocks. Learn the lesson. Or don’t.
Lol, my original comment was 19 days old bro. *You bothered me.* I and a lot of whales are betting on it. If I was implying a quick recovery then you would be right. I've been very clear that this is a mid to long term story. Not to mention the solid dividend makes waiting even easier. Every investment involves risk, even something as "safe" as VOO. By your logic I shouldn't invest in anything at all because of *risk*. UNH is like 10% of my portfolio. Even if it fails, I'm doing quite well otherwise lol.
QQQM or VOO on a weekly basis. As much as you can afford. Set to auto, don’t rely on self discipline. Work to increase the auto. It’s that simple. Sell only when you have something urgent to pay for. That’s all personal finance and investing is. Best of luck.
Sell it and buy an ETF, e.g. VOO, in a taxable brokerage account, or if you're not funding / maxing out a Roth IRA, do that with the proceeds instead.
I should have included this but here is what my portfolio looks like: VOO TCIEX VBTLX AGG SWPPX - someone mentioned something about Charles Schwab and a stock split. I’m new to this not sure what that means FPADX CBFVX
New here. If I go to Charles Schwab I’m assuming they’ll offer a similar service? I want to leave them to manage it. Appreciate the tip I should have included this but here is what my portfolio looks like: VOO TCIEX VBTLX AGG SWPPX - someone mentioned something about Charles Schwab and a stock split. I’m new to this not sure what that means FPADX CBFVX
I should have included this but here is what my portfolio looks like: VOO TCIEX VBTLX AGG SWPPX - someone mentioned something about Charles Schwab and a stock split. I’m new to this not sure what that means FPADX CBFVX
I should have included this but here is what my portfolio looks like: VOO TCIEX VBTLX AGG SWPPX - someone mentioned something about Charles Schwab and a stock split. I’m new to this not sure what that means FPADX CBFVX
I should have included this but here is what my portfolio looks like: VOO TCIEX VBTLX AGG SWPPX - someone mentioned something about Charles Schwab and a stock split. I’m new to this not sure what that means FPADX CBFVX
I should have included this but here is what my portfolio looks like: VOO TCIEX VBTLX AGG SWPPX - someone mentioned something about Charles Schwab and a stock split. I’m new to this not sure what that means FPADX CBFVX
It’s so hard to explain the first sentence to people. A stock paying a 10% dividend is no different than you holding VOO and selling 10% of what you own per year
VOO will not be safe at all. I just got tired of watching it go up and up.
I would sell and reinvest in SPY or VOO, or maybe some breakdown of those plus QQQ. Either 60/40 or maybe 50/30 plus 20% in individual stocks or bonds, depending on risk tolerance. You’ll get higher growth that way. Make adjustments as needed, of course.
If/when it occurs, would VOO be safe? Isn't it going to drop along with the S&P?
All of it should be invested if you can afford it, and yes I would recommend doing it in intervals to DCA, it'll give you the fairest average price for your ETF. For internals I'd chose $1000/week for 10 weeks. I believe 10 weeks is a good term for lump sums as it's long enough of a term to DCA properly but not too long-term as for you to be worrying about market conditions. I think as well after you've put this all into VOO you should look into r/Bogleheads for future portfolio planning, keep this kind of thing up and your future is bright :)
Hi thank you for the response! There’s a lot of new terms that I’m not familiar with so I’m a bit confused lol. I was planning on investing through VOO initially so I’ll probably do that since idk what the other ETFs are like. However, you mentioned dollar cost averaging and I looked a bit into that. So first, how much of the $10k do you recommend I invest in total? Second, do you recommend I invest that much all at once or in intervals to dollar cost average? If you recommend dollar cost averaging, what intervals and amounts should I do?
You hold 23% of cash in your account. It is a lot. If you hold it since 5 years for example, with VOO or QQ, you would have respectively $265K and $280K, so double. This is why people usually say that time in the market is better than timing the market. Either small retail investors like you hold everything in cash and miss massive returns, or they sell at the absolute wrong time. It’s why the average investor returns per year is around +2% only. I recommend you to take an advisor, at least for short term and to keep you invested. That being said, I have around 7% of cash as of today. By October, I will position myself with 15% of cash as I think end of 2025 or 2026 might have some heavy corrections.
Yeah, but if you are in 100% VOO you probably want to decide if you want to look into some ETFs that are more diversified and probably international, but less performant at the current rate, simply just as a risk mitigation. Until earlier this year I was almost all in on VOO/SPY/QQQ and I retired, so restructured moving more (60%) more bond ETFs, some international, and some income ETFs and 2 years living expenses in a 4.5% money market fund.
I’ve got $2.4M in market and sitting on ~$285k cash (high yield) that I’ll plow into VOO or equivalent if we see a major correction. Still aggressively maxing out 401k’s which are nearly 100% stocks so we’re building our position in equities at the same time. Personally like to have a little dry powder.
Again, I mean, I might be dumb. If I was a new investor and I wanted a simple portfolio, I would do a 5050 portfolio (which doesn't seem to be your goal anyway) would be more like 50% TFLO 25% VOO 23% Gold 2% IBIT, and it would cover most every base you'd actually want covered. Maybe swap out VOO for VT if you wanted that extra diversification in equites, and maybe if you want slightly more alpha out of your bonds take on some duration risk from the FRNs, but, that is where I would start. If you need to raise USD just sell some bonds, and then you can hold onto your risk assets longer and thus not lose upside and incur taxes. Unless interest rates are 0% then... just stick with FRNs anyways because interest rates can only go up from there.
Yes, you will do just fine putting it all into the S&P 500 through a low-cost ETF such as VOO. What I'd recommend though is putting into the total US stock market through an ETF like VTI with some in the international market with an ETF like VXUS (a 7:3 VTI:VXUS ratio is common for this) and buy maybe $1000 dollars a week of it for 10 weeks to Dollar Cost Average into the market. This will give you a super diverse portfolio that will serve you for like, and the same investments can be made in the future should you have more money you want to invest.
I just poured all but a few months emergency money in to VOO
I mean, I might be dumb. If I was a new investor and I wanted a simple portfolio, I would do something more like 50% TFLO 25% VOO 23% Gold 2% IBIT, and it would cover most every base you'd actually want covered.
Why do people say only VOO or SPY if everyone should be invested globally? So do you think I should re allocate more to FTIHX?
Compare its total return to other stocks or etfs you might buy. For example JPMC stock kills the SP500 but Intel loses money over time. https://totalrealreturns.com/s/VOO,JPM,INTC?start=2023-01-01
It's fine to risk it for companies you believe in, but I'd have a backup. I personally stick to ETFs in my 401k and Roth. Then have an individual account that I can take big risk on potential 10x and high dividend payers. If you aren't doing somthing similar I'd build a little bit of a safety net with VOO or VTI. A lot of people on here will tell you to stick strictly to broadmarket ETFs, but that's no fun. Risk what you are willing to lose on some of these risky individual stocks.
To be up in a % it has to be compared to something, in your example the American is up 10% in USD given a general VOO hold which is not true, they are negative
If you research crypto cycles right now is probably one of the most riskiest times to invest into bitcoin. If the cycle repeats then you'll be underwater heavily in BTC for a while. IMO don't do crypto unless if you've done a ton of research or are comfortable seeing your crypto portfolio -50%-80%. Gold is a trash investment. It's only for the ultra rich to stay rich. I myself am 80% VOO 20% QQQ which is kind of funny seeing chat GPT recommend something similar.
Put all your money in VOO until you start to become break even then reassess
VOO, SCHD, QQQ are a great place to start. If you like income check out the NEOS funds, SPYI, QQQI, etc
I would say this 30% VOO 30% SCHG 20% VTI 10% Bonds/Gold (5% each) 10% international stocks (VXUS or any other)
Dont put your money into anything you do not understand. Ever. This Sarwar growth looks like a mutual fund, basically. What is the MER on it? I'm guessing it's higher than a simple VOO. I'd suggest just VOO and chill.
To be clear, I do not in any way think that these emotionally driven moves by retail investors to be all in or all out of the market are sound. But at the same time, to ignore the incredibly high valuations in the United States market and quote dogma from the *Church of VOO and Chill is equally stupid*. S&P 500 CAPE is close to 39, Price to Sales it at an historic high, as is Price to Book. The real investing questions should be about asset allocation.
Decent strategy. But I like monthly dividend paying ETFs. Curve balls are like BITO,YBIT. They are risky but with like 2.5k on each. $100 a month almost 98% guaranteed on each. From there a more secured option is BTCI…pays around the same as VOO monthly because again..bitcoin related. Invest a lot heavier because it’s a lot safer. Last time owning almost 180+ shares it gave $283 that month alone. I had to unfortunately sell since I changed investing strategy. For fast gains…putting a lot more money than I was comfortable having out there. I like a pile for unexpected expenses and all. So I met my goal and now I can invest on my next paycheck as much as my heart desires. $800-1k per paycheck. I am looking for the four towers of high yield dividend ETFs and stocks to push a strong money supply out of my investments early on. Then with my constant 2x a month investments of my own money to then start buying the good stuff easier with all the generated income. I stopped but this year I clocked in 1k in dividends with very low money in. 95% -SPYI -BTCI -JEPQ/QQQI -JEPI/O 5% MISC. -crypto: XRP,HEDERA,AVAX -weekly paying ETFs -curve balls: XOEF(dividend payments have not been announced for it being soo new to the market), calls, penny stocks with some DD. -crypto futures: BITO, BTCH. BTCH is two years old but does one payment of $20 a year…buy some 50 shares at some point and see if I get $1k Christmas gifts every year.
VOO and chill don't waste you time on this. I don't even need to look at it to know it is going to cost you more than putting money in a nice clean snp500 tracker.
These are good rebuttal questions, and honestly at this point we’ve gotten to a place where I’m not sure. My primary thought about it (from a standpoint of I’m evaluating things to see if they are better plays for me, or if there’s something to learn) is that no equities make sense. Even SPY, or VOO or Berkshire-Hathaway. I’m making more in two months than great mutual funds return in a year. And … I could come back here in three months with my tail between my legs telling everyone don’t make the mistakes I just learned. And I ***have*** had moments where I thought I was suddenly going to be rich and realized I was double compounding or something. Finding those errors is sobering and scary. But I’m at a point now where I’m out of ways to test my math and there’s no places left for calculation errors to hide. This is why I scrutinize people posting extraordinary gains. I am absolutely certain some of these people are counting their own deposits in their gains without thinking about it, or a half dozen other errors. Counting changes in capital as “income”, etc. I’m now obsessive that everyone should know their long term average monthly yield. Don’t tell me you made $500k this one time. That doesn’t tell us anything. “I made $7000 this week!” … OK great? With what base capital? How often? What are your losses? Gross or net of costs to close, commissions, and fees? So I calculate it every Friday. So far, every week since my 2 losing weeks, I’ve been increasing my average yield. Just went over 4.9% to 5.1% this Friday. (My newer portfolio doesn’t have the old mistakes dragging the average and it’s at 6%). So, at any rate, I hear everyone obsessing about SPY and VOO and I feel like shouting “You fools!” We’re not trying to pick the car that will be a classic in 30 years. We’re trying to sell cars every single day. I don’t care if those cars are beautiful or 70s brown. I only care that I’m moving cars.
Smart of you to want to start investing. My recommendations are: Brokerage: E*Trade Investment: $VOO That’s it. Keep adding to your position with automated investing and don’t check your account often.
You’re doomed just buy VOO and delete you’re apps idiot
Wow, you broke THAT down! Yes, I was way too naive and optimistic. But I can't help myself I guess, so I have more questions: 1. When I quoted whatever it was that YF's 5y chart showed, and then divided by 5 to get 18.3%, did that include dividends? Is that how they do it? Probably. But if I'm **buying shares** to sell CCs on, don't I get any upward trend in VOO **plus** dividends? In other words, say it kept going up at 18.3% per year, dividends or not, don't I get that total return? And then what I did with CC premium fits into #2. 2. Agree now, thanks. 3. I don't think so. Aren't they 2 separate things. Let's do VOO for this Friday: Buy shares at **591.57** at Monday's open. Simultaneously sell the 4DTE **592.50** Call for **3.30**. *I keep that Premium no matter what*, remember. So it's really separate from whatever the shares do. Say VOO rallies to 600 (which is just about its Expected Move) and my shares are called away at **592.50**. **I still get paid that for them.** Separate transactions: Bought shares for **591.57** and sold for **592.50**. Netted **0.93**. But I still have the **3.30** from selling the Call. So didn't I 'make' 93 + 330 = $423 on the $59,157 I invested. That's a 0.7% return in the 1 week. The "move to the strike" *wasn't* already in the Call I sold. That was all extrinsic/time/hope-it-gets-there value I sold. Am I mistaken? 4. I think it's as direction-neutral as CCs get, which granted, isn't much. If I sell the most extrinsic value I can, that buffers my downside by that much, and caps my upside by that much. I've seen others post about doing it, and I think there's merit there, *if you're going to do a buy-write anyway.* I'm not saying it's the *best* play, but if you're happy with a 0.5% play in a week on VOO (that you assume is going to go up), then why not? Beats selling the 30-delta for something like 2.5% and having VOO go the other way.
You’re still up overall. Take this as your chance to get out. VTI OR VOO and move forward with your life
[https://portfolioslab.com/tools/stock-comparison/VT/VOO](https://portfolioslab.com/tools/stock-comparison/VT/VOO) VOO has a better performance record and a lower expense ratio.
Fuck the rest of the world. If you are gonna be boring then VOO
Probably DCA into VOO.
I would probably put half in a low cost 2035 target date ETF such as ITDC and half in an S&P 500 index ETF or MF such as FXAIX or VOO. This would require me being comfortable with either an outcome where my money stays safe and I missed out on some gains by not going all in on or FXAIX, or there is a market downturn within a couple of years of my projected home buy, the market crashed, and I have to wait some additional years to buy a house. But for me, either of those options is preferable to the risk involved in going all in on the market, or the guaranteed anemic growth/stagnation of having the money in a HYSA for ten years.
Seriously though. 35% global, 35% VOO, 20% split between bonds, gold, crypto and 10% to play with on stocks or sectors you really like.
VOO is over 40% made up by QQQ, making a separate QQQ redundant. Having said that, this is smallstreetbets, so put it all on OPEN. Moon or Wendy’s.
80/20 VOO/VXUS then get a bit of money left over and invest in whatever you want (if nothing piques your interest then just go back to VOO/VXUS) would not recommend gold. bitcoin just seems like a hassle tbh
Not sorry you coulda put that on VOO with 15% gain per year yeah gamblers
Wow, THANK YOU! I may not have time to finish this right now because my wife and I are about to go out, but this was an INCREDIBLE post. So you're Wheeling, but primarily on the Put side (as u/Scottishtrader does, I'm sure you know of him). I had seriously tried the Wheel a couple years ago, also mostly avoiding CSP assignment, but either it didn't seem to work for me (and I wasn't chasing high-IV trash), or it wasn't 'fast enough.' Probably the latter. But I've never met/seen anyone claiming those kinks of returns, so now I'm intrigued again. Are you using the Buying Power that a margin account gives you? Not 'using' margin, like a loan, but the increased BP? Are you selling more CSPs than purely cash-backed would let you? But after mulling over your and everyone else's crititques of my proposed VOO idea, I started thinking that maybe CSPs on VOO/SPY would be better. You'd always be *under* the market, so not capping any gains. ...and here she comes, so I have to go for now, but I'll come back tomorrow. You don't have to post anything about my proposed strategy, unless you have ideas for making it work out to the tune of 20% apy. ttyl.
But why wouldn’t you just buy VOO and get the same return with less risk?
Might I suggest splitting the 80% in VOO and QQQ and instead doing 40% in VOO and 40% in VXUS? Gives you some upside if US tech continues to dominate the global economy (honestly pretty likely IMO), but protects you in case the rot in the US political system spreads more into the private sector.
Why do you need a YouTuber or other source? It's easy. 1. Make a fidelity account. 2. Deposit money. 3. Buy ETFs You can choose for your self but it's easy to just buy sp500 like VOO or SPLG. (Sp500 is best 500 companies in America) If you want more diversity - go with VTI (every company in America) or VT (every company in the world If you want more tech exposure just buy QQQ. (BEST 100 Stocks on the NASDAQ) Too confusing? Too complicated. Here's the plan: Insert $300. Buy $100 worth of VOO Buy $100 worth of VT Buy $100 worth of QQQ Rinse and repair that exact same process as many times as you possibly can - over and over every payday the rest of your life. When you are 60 you will retire very very rich. If you need help understanding the different types of accounts - it's not super complicated just ask for help. Invest as much as you can in company matched 401k first. Then as much as you can into Roth IRA up to $7000 max. Then if you still have money left - put it into taxable brokerage account. And on all of them keep repeating that process. Insert $300 buy $100 worth of VOO. $100 worth of VT $100 worth of QQQ. Rinse and repeat every payday till you retire. Done. No YouTubers needed
Roth I have 50% VOO, 18% AVUV, 15% vea, 10% vwo, and 7% IBIT, plus some more all SP500 in a smaller one. Individual I prefer individual stocks with 5-10% BTC with the companies leaning growth and some pretty volatile
Here’s a separate post to break down each hinge where it fails. 1. VOO 5-year “18.3%/yr” is backward-looking and already ***includes*** price and dividends; you cannot stack option income on top. 2. 31 delta, 11-day covered calls: the premium is the price of selling upside. Total return is not CAGR + premium. 3. ATM buy-write math (“16% CC + 8% appreciation”). The move to the strike is already in the call price, so you are double counting. 4. Just-ITM for “max extrinsic”. It’s not direction neutral. Small buffer on drops, capped if it rallies. 5. PMCC (“42% APY + 4x leverage”) is optimistic. LEAPS have theta and vega drag, lost dividends, roll and assignment friction; delta is not 4x exposure. You’re managing a multi-legged trade which could collapse asymmetrically and you may not be able to unwind the other part for a graceful landing. 6. Annualizing short-dated income assumes perfect compounding, no assignment gaps, mid fills, multiple commissions and fees from multi-legged plays, slippage, and no taxes. Not realistic. Bottom line, you can’t just add numbers to 18.3%. You have to pick a payoff (buy and hold, buy-write, or diagonal) and judge its own expectancy, costs, and taxes. The expected return on multiple positions is not additive, it is emergent and complex. You would not be able to calculate it realistically. It would take a lot of math with a lot of simulations to get expected outcome results with confidence intervals.
VOO is already heavily weighted in tech, are you sure you want that overlap? I’d put that 30% in a global market etf
One important thing to note about VOO S&P 500 index is that it gives easy large exposure to the biggest tech stocks like Nvidia, Apple, and Microsoft due to being market cap weighted. If you're nervous of adding to your high PE tech position, the index may be right for you! (Good list, BTW)
There is a small group of people who holds TQQQ long term. Note that leverage product aims to produce the leveraged results per market day, not per annum. This means that a 10% drawdown a day would be 30%. Also, note that a small drawdown will require a significantly higher climb to reach breakeven. For example, a 50% drawdown will need 100% gain to recover. This principle is true everywhere but especially important in a leveraged product that has big swings both ways. Do your own math and see what your risk tolerance is. This is a very high risk, high rewards path. The wise thing would be to spread your port out between QLD, QQQ, and VOO so you arent over leveraged.
You’re going to get told now because of decay etc. “the last 5 years haven’t been typical” literally heard the same thing 5 years ago. I hold a decent amount of TQQQ and have so for ~8 years. I hedge with VOO/QQQ and buy on market downturns. Yes it’s ok to have a higher risk tolerance when you’re young. It’s also ok to time leveraged ETFs.
😂😂 yeah it really does feel like that sometimes. I was a total boglehead, maxed my Roth IRA and maxed my 401k. Since April I started a brokerage account, was DCAing into VOO and VXUS, until last month I started playing with options and spiraled. Wish I never started, but I can go back to my roots. I stayed away from my retirement accounts fortunately.
i have 4x my annual salary in investments. i, too, could do quarter million options but 99.99% i'd then post how i lost a quarter million dollars its all noise. just budget (i like YNAB www.ynab.com /r/ynab), invest (VOO and chill). you can slice a few percent of your portfolio for higher risk if you want (bitcoin, options)
It seems solid to me... just two observations, 1. VOO and QQQ overlap by about 50%, not necessarily bad if you want to overweight tech 2. Zero exposure to ex-US markets, again not necessarily bad but worth considering
Thanks, I'm indeed aware of that, though it's worth a reminder. A 20% drop at the 5x leverage I cited would completely wipe out a portfolio of pure VOO/SPY Calls.
Assuming you’re investing beginning in your twenties, ETFs offer an easy and effective way to reach retirement. 7% seems to be a very modest expectation over an average of 20+ years. VOO or QQQ will out perform that. Say you put $500 a month split between VOO and QQQ over 30 years at 12% average gain. You’d have $1.4M. The 4% rules allows you to take $56K out yearly allowing the bulk of your investment to continue to grow. Assuming you are getting social security, likely another form of retirement, and own your home, you’ll be more than set up for retirement. Changing to $750 a month gets you to $2.1M and $84k to withdraw yearly.
It is the easiest one. You can accomplish with brokers that allow API trading. But M1 is just easier. Everyone I’ve ever seen use this is being overly fancy though. Just set a fractional auto buy of VOO or QQQM on a place like Fidelity that does fractional. Pivot when you feel like, but no selling, just acquire more on an automated basis. People who have fancy setups tend to not increase their automatic purchases. With a weekly auto buy of VOO of say $300/week, for example, you just have one place to increase to 350, 400, etc. That’s the value of having an advisor, at least a good one. When the money gets big, it is just one account to deposit into and they automatically handle the rest. And if they are good, they push you every time to increase those automatic deposits. That makes the fee worth it. People hate fees, but if no one is paid to push you, you will just have the same level of savings and investment. Maybe even less… Best of luck!!
Where did that cash come from? How many years have you saved it? QQQM or VOO, set to auto. Make sure you leave some in emergency fund in SGOV. Don’t rely on self discipline, set to auto. Only sell when you have something urgent to pay for… Learn as you go but get started today. You will do great!!
You are wasting your time reading about day trading and options, just buy into an ETF like VOO and VTI
100% Roth 401K if being offered. I have VUG, VOO served me well for a long time
Bro, just do some more reading on the topic - most traders lose money, very few traders manage to even match the S&P500, and even fewer manage to actually beat it. As in *very few*. Trust me, all of us who enter into investing imagine finding the secret code to unlocking millions, just like you, before reality sets in. Sounds to me like you just need to start piling as much $ as you can into VOO. It doesnt sound like a good idea today, but it will when 20-30 years from now, you have more money than you would have if you had tried gambling options.
Honestly has worked out pretty well for me. I have decent sized positions in UPRO and SSO that I've just let run for years (which is advised by almost nobody, including the products themselves lol) but my UPRO position is up like 100% in a time frame where VOO is up around 35ish so I can't complain. I'm sure I'll get humbled someday by UPRO, less so by SSO but it's survived COVID, the inflation concerns after, and the tarriff shitshow just fine so im just letting it run
Day trading and options are highly volatile ways to lose money by basically gambling If you really want to make it easy, throw money into ETFs (a collection of stocks basically) like SPY, VOO, or S&P 500 and call it a day as those are a collection of very successful tech companies and they tend to steadily rise but are designed not to fall as they hold each other together in their respective industries and the stock itself will distribute different % of companies depending on how the companies are doing Otherwise, you can also LONGTERM invest in companies like Amazon, Apple, Microsoft, or NVDIA who have great long term projection and you do see them everywhere and their products are used in both everyday consumer and businesses purposes which means they most likely won’t stop growing. They will have slumps, but if you’re holding for long term it doesn’t matter - you just can’t sell or touch the money for a while or until you really need it. Day trading and options are high risk high reward where if you really don’t know what you’re doing, I would not suggest doing it or put a small limit on yourself like $300-$500 at most on options because options are designed for you to lose EVERYTHING you bet on if you’re wrong. Whereas if you buy stocks instead of options, at most you lose out if the company stock value lowers to whatever but I’m sure you already got that part figured out I just started last year and I’ve only put $5k into stocks but I’ve made $4k, beating out a savings account by a huge amount - this was largely betting on ASTS and NVDIA though so I won’t act like I’m not basically gambling either. It’s just I did do my research and put my faith in these companies by their vision, their deals with other companies, and by looking at what they’ve proven so far. TL;DR: don’t do options or day trading, just do long term investing (at least one year of holding before you sell imo)
I’m just starting out too. So far I have everything in VOO in both my brokerage and ROTH IRA 😅 I was overthinking it and just needed to get started. And I’m not going to stress about it when there’s only a few hundred in there so far.
Not being good at investments doesn’t equate incompetence. It is more about being prudent and aligning risk levels to actual goals. Your father likely used a manager, he likely learned the lessons he was trying t in spare you. Many times novices make mistakes more costly than 1.5% management fee. Those are really big swings. You might want to make friends with a trustworthy pro. If someone gave you a 5 milly McLaren would you pop the hood and start tinkering just to prove you’re “not incompetent”? I would be terrified to break something. With lower money it is easier. Just buy VOO and don’t overthink. When the money is huge, that’s where diversification and positioning really matter. But best of luck to you.
I was nearly in your shoes years ago. If you take that contract job, then stack your cash and pay down your student loans. If you have no loans, then congrats, VTI and VOO assuming you can live at home.
VOO or VTI should be supplemented with a bit of VXUS. VT has everything in one
Hey what do you think about IN… BUY VOO AND CHILL. YOU CANT BEAT THE MARKET. FOLLOW OUR LORD AND SAVIOR WARREN BUFFETT BY OFFERING YOUR ANOOS.
Sell everything freak the fuck out. Buy VOO & chill
1. Contribute the maximum to your employer sponsored 401(k). That is $23,500 for 2025. 2. Set up a Roth IRA and contribute the $8,000 maximum for 2025. Once you get over $150,000 income, you will be limited. Invest the $8,000 in a high yield savings account. No tax on interest in a Roth. 3. Set up a monthly budget with a fixed amount to invest in a brokerage account every two weeks. That is called dollar cost averaging. Invest half in VOO, Vanguard’s S&P 500 ETF, and half in QQQ, Invesco’s NASDAQ 100 ETF. Stick with this until you reach $20,000. Then start researching stocks. 4. Read “One Up on Wall Street” by Peter Lynch to learn about investing in individual stocks. Lynch was one of the greatest investors of all time. 5. Join the American Association of Individual Investors. This is a great investor education site. Premium membership gives you access to model portfolios by investing style. You got this. Successful investing is a patient, steady habit. Do not let anyone convince you that you need a financial advisor. They will take 2% a year and underperform the S&P 500. Invest in educating yourself.
I studied finance at University and that text book was excellent when I needed to go to sleep. VOO is a cheep way to get exposed to S&P500. Google S&P500 to learn more. There are other ETF (like SPY) that do the same but I think VOO is one of the cheaper