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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
This is why we say VOO and chill
If they invest in VOO and don’t sell until at least year has passed, then they are paying ltcg rates , and only on the gains. If their income is below $44k when they sell, taxes could be zero. I wonder how that math looks. The risk is the risk, however.
VOO down YTD it genuinely might be over
I was VOO and chill up until liberation day last year
Right, but ETFs are automatically rebalanced by the company managing them in a way that is not a taxable event. For example, the holdings in VOO now are very different than they were 20 years ago, and they will likely be very different 20 years in the future too. If you hold VOO for 20 years without selling, you won’t have any capital gains taxes during those 20 years but you’ll still use a rebalanced portfolio that changed as our society and economy changed. If you use the mirroring strategy, you’ll need to pay capital gains taxes consistently throughout those 20 years in order to continuously rebalance to match VOO. Depending on your tax bracket, rebalancing can be very annoying
FWIW most of my port is actually VOO and its anus getting blown out too for the most part. Only answer is having some cash in a shitty money market so I can buy the dip when it's a real ass dip for once (I feel it coming).
My buddy called me yesterday panicking about his port being down 0.8%. He's 100% invested in VOO. The hands of the youth are all paper. Everyone trading on their phone is cool when we are going up, but I think the panic selling is going to be spectacular the moment things actually get dicey
Good call leaving options. With 3k buy dividend stocks or an index fund. Start with VTI or VOO for broad exposure. Then pick 5 to 10 individual stocks you understand. Read their earnings reports and financials. Most people fail picking stocks so keep 70% in the index and 30% in picks. Boring beats exciting.
Put all my savings into VOO or a home in Paris?
2 percent of VOO? Is that what you think we’re buying?
SPYM is cheaper than VOO or VTI.
SPYM better version of VOO but beats both voo and vti coz of lower er.
from what I see SPYG and VIoo are very similar They both use the same index but SPYG use only stock in the index with the highest growth. SPYG is going to be harder in a downturn. I would go with VOO and VXUS. individual stocks (defensive individual stocks and AI/tech stocks) make sense for my situation? For defensive I would invest in dividned funds. That way when the market crashes and you have no cash your dividend funds would provide some income to invest when the market is down. I would invest in fund that invest in companes that pay a higher dividend because the Law requires them to. PBDC and EMO are my choices and both have yields of 9%. If you don't have money these found would provide you with income you could use for yourself or you could invest the funds into VOO and VXUS. I would with Fidelity. Been using them for years with no problem.
I'm just starting to invest, little shy of 40, very basic VOO VXUS. Where do you draw the line on keeping 3-6mos of expenses in your checking, investing the rest, and taking money out of investments if you need it?
> Does an allocation like 40% VOO/ SPYG, 20% VXUS, and 40% individual stocks (defensive individual stocks and AI/tech stocks) make sense for my situation? That seems OK to me, although I wouldn't go more than 40% individual stocks. If you're in uni, it's maybe a little early to get too defensive. I wouldn't worry too much about an index fund like VOO or SPY being overweight tech right now because that just takes care of itself over time. Money that comes out of tech has to go somewhere. The rest of your questions are just more detailed than I want to think about. No slam on you, it's just a little overly-planned for someone so young. You're at a stage where you can just chuck most of your money in a few broad-based index ETFs and the rest into a few aggressive or defensive sector ETFs.
1. 40% U.S. large-cap (VOO/SPY) and 20% international large-cap ex US (VXUS) is fine, but unless you have a proven track record with stock picking, 40% in individual stocks is high risk. Consider lowering that % until you have shown to be good at stock picking through both bull and bear markets. 2. U.S. defensive stocks (the consumer staples sector) have outperformed VOO YTD. Having narrowed your interest to stocks in that sector, also consider investing in the entire sector via an ETF, e.g. XLP. 3. Based on the last 1-month performance, now is a good time to invest in companies in the consumer staples sector. Also consider buying the entire sector or examine the companies in the consumer staples sector to find more companies of interest. 6. Yes, consider ETFs over individual stocks. The risk is much lower, the required effort is much less, and the profitably can be very good.
Good lord. Just add auto. Keep doing TSLA and NVDA if you want. Or just buy VOO on auto weekly basis. Only sell assets when you have an urgent expense to pay for. Use new monies for VOO or just set auto weekly buys for individual stocks you like (just no penny stocks). At your age remove “defensive” and “dividend” from your vocabulary. Spend less than you earn, auto invest, don’t panic sell, do that forever. It’s not that hard.
Setting a $5,000 limit would be a 1.43% yield. Over 15 years you'd have to expect that to grow close to $6,000 although the income threshold will probably rise too. Just spitballing: 20% in XLU at 2.5% yield 80% in VTI or VOO at about 1.15% Would throw off about $5,000/year. Or swap in VXUS (2.9%) for XLU. Is it correct that the portfolio can **generate** more than $6k in income without running into a problem but you can only **take out** $6k? So the idea is, you don't want to "waste" value by getting more in divs than you can take out. You want to have as much allocated to growth while still generating close to the income threshold?
Thank you. I agree. I've decided to go with AVDV to add a little more international and small to my overall portfolio. I've been researching a lot since yesterday and the concesus with SCV is that it is a LONG play. I'm okay with that since I plan to hold it for 25+ years. The one thing that has shaken me resolve a bit is that some believe it's possible that the time frame to see that premium could be so long I never get to benefit. I'm still going to go with AVDV but I'm rethinking my allocation. VOO(65)+VXUS(25)+AVUV(5)+AVDV(5) - By keeping all small cap at 10% it won't draw down my portfolio during those long periods of underperformance. That can make it easier to stay the course when it's REALLY down. Of course, I won't benefit as much either. VOO(60)+VXUS(20)+AVUV(10)+AVDV(10) - Having small cap at 20% between the two would allow much better benefits when it eventually outperforms in 20 years. But the down times will be a drag and a test of resolve. Granted, with both of these my VOO+VXUS will keep the entire portfolio afloat. So things should be fine either way. I'm confident I can stay the course as I'll just set up automatic investments and leave it alone. But it's easy to say that until it actually happens haha
Your core is already strong with VOO + VXUS. If you’re looking to add growth without concentrating into a single sector, small caps often make more sense than sector bets. Historically they add diversification and higher long-term return potential, but with volatility that’s spread across many industries instead of one theme like semiconductors. Sector ETFs can work as a small satellite, but small caps usually improve portfolio balance rather than increase concentration risk
HYSA at 3.5% is solid for safety, especially if it's for a house down payment. Index funds like VOO can give higher returns but come with risk if you need the cash soon. Curious, are you leaning more toward keeping it safe for the house, or trying to grow it faster in the market?
That's because the exchange rate between USD and EUR changed. Both of you bought and are holding the exact same bundle of stocks, which are worth exactly the same. The only difference is what currency you sell them into. Yours "rose" 17% because the dollar dropped. If the dollar drops, it requires more dollars to buy the same thing. Hence- the price goes up *in dollars*. His only rose 1.5% because the euro appreciated against the dollar. If you bought your VOO in euros, and then sold it in euros, you'd have the exact same return. If he bought and sold his VUSA in dollars, he'd have exactly the same as you. *In dollars.* You can [compare this here](https://www.justetf.com/en/etf-profile.html?isin=IE00B3XXRP09), see the difference when you change the currency (top right of the chart) from EUR to USD. It goes from 1 year: -1.08% (in EUR) to 1 year: +12.94% (in USD). That's including dividends, if you exclude them the numbers are -2.10% EUR, +11.77% USD. VOO is up 11.48% according to Google Finance- almost exactly the same.
The value of the VOO I bought in December 24 (I buy every week) is not worth the same today. Mine rose 17%. Op’s rose like 1.5%. That’s rough.
What he bought was a S&P500 index, it didn't do worse than VOO. It's the same thing and did the exact same. He's looking at it in euros while you're looking at it in dollars- the dollar collapsed over the last year, while the euro appreciated, so what you see is the number goes up in dollars but is flat in euros.
> Way easier to just be USA and VOO and chill. We certainly take for granted how easy it is over here. You had the exact same if you held VOO, VUSA and VOO hold the exact same stocks. What happened is the dollar lost value, so the value of the stocks denominated in dollars rose.
So I’ve never been taught this stuff and thought 401K period was it. Now I’m teaching my kids about this type of stuff. Middle school age. Starting them on VOO s&p500. A little bit of information I found is that if they invest $48K of their own money in a timeframe of 40 years, they’d have $712K compound interest earned. Does this seem right? Also, restarting my own investments since had to rely on what I had a few years ago when lost then job of 20+ years.
How much would it take for you to make to stop gambling and VOO and chill
$100k is excessive to hold in a HYSA imo. Buy that house ASAP or start putting more in your 401k. Gotta remember that HYSA is safe, but isn't growing relative to inflation. That money invested in VOO will likely double in 7 years. You also don't want to be paying a lot in that 22% tax bracket. That's an auto 10% hit on any income over $48k.
I’m not advocating for young people to go full port on high risk stocks. I would ideally like to see them have a decent amount in VOO or SPY or something similar. But 10% annual compounding also isn’t a guarantee. Sure, over the long run but there’s risk no matter where you invest your money. Even the damn banks. Just saying it’s not the end of the world for a young person (who has a safer mix of equities, maybe some bonds in a retirement account) to also put on some home run bets in a separate account. This isn’t tax advice.
Most of the people in this group have no cajones if you know what I mean like robots all they know is VOO and VTI and all the other snoozer Vanguard funds me I am risk taker gambling man and by the way I have beaten casinos for some nice pocket money the last few years I actually some good amount of coin in CHPY the yield is obscene pays weekly trust me in this group they would to be to scared to buy even 1 share let alone a few thousand 😁
70-30 is basically VT at that point, I would just stick that money in there. The only reason to self manage is if you have strong preferences about the proportion, then you can VTI/VOO + VXUS at whatever ratio you prefer.
Just stick with VOO. They’re both so similiar.
Swapping out of SPY/VOO or whatever S&P 500 into VT or similar funds will provide some international diversification while keeping the core low risk strategry If you want to play at picking stocks I would dedicate a certain portion of your money to that while playing it safe with the bulk of it
Pay off all my debt. Would leave me a little over 800k. Buy a monster box of silver, some gold. Probably 500k into VOO, VT or VTI. Keep roughly 50k in a hysa for emergency and keep going to work. But focusing on maxing out 401k since I’d be debt free. Keep at the day to day grind for another 20 years.
Consider using a sector tracker to follow the top performing sectors. Within the U.S. YTD these are ETFs like XLB, XLE, XLI, XLP, XLRE, and XLU. YTD, all of these have significantly outperformed VOO. Here is a sector tracker for S & P 500 stocks. [Sector tracker | State Street](https://www.ssga.com/us/en/intermediary/resources/sector-tracker#currentTab=ytd)
SGOV for emergency fund. The rest VT. Buy VOO on auto weekly basis for whatever I can afford. Work to increase that until retirement. Sell only when there is something urgent to pay for. Same plan as always.
It really comes down to risk tolerance. I'm kinda risk-averse, so when I was still buying, I would buy equal numbers of **shares** of SPY and QQQ each time. QQQ is 60% tech. VOO and SPY are 40%. So QQQ boosted my overall tech allocation/weighting while not feeling like I was going overboard.
VOO is 12% semis and your current 65% weighting puts its semi allocation of your entire portfolio at around 8%. VXUS adds another 1%. If you reduce your exposure in VOO from 65% to 55% and put that 10% into SMH, your total portfolio semi exposure basically would double from 9% to 18%. I don't know if I'd want to have 18% in semis, but I'm not 32.
One thing to keep in mind mathematically the fast you put money into your roth today the bitter your final account size. While the tax befits of the roth are great they deposit limit is 1/3 of the deposit limit in a 401K. So it would be advantagous for you to add some dividend income your roth portfolio. Two god funds to use are PBDC and EMO. Both have a dividend of 9% higher than most companes because they follow different US laws that require them to pay high yields.They are not significantly higher risk than most dividend stock and have significatnly less volatility than VOO. The cash from the dividends can be split and added to all the funds in your portfolio. The current Roth deposit limit is $7500 I am approaching age 560 and dividends in my roth are adding 4K a month to my portfolio which is used to by more shares.
As someone who works in the tech field, I think tech will be massive for the foreseeable future so im all in on VOO and QQQ. Don't care about metals or international markets with low returns. Im young so got plenty of time to cook.
Am I bagholding VOO?
Check expense ratios and compare the returns on these assets over the last decade to SPY/VOO/VTI on one hand and BND on the other. I personally would be a bit risk averse because I feel like be markets are overvalued but you should invest it soon in diversified ETFs (not just in VOO but also things like VT, DIA, VGK, some bond ETFs, etc) and some portion in a HYSA so you can take money out and put it in while you’re in college.
Worth stating that what you bought did worse than actual VOO/VTI/SPY which did 14.5% in the last 365 days.
Same as your 401k. VOO. Open a Fidelity account and buy VOO on auto weekly basis. Work to increase that weekly amount. Only sell when there is an urgent expense to pay for. That’s it. That’s all anyone needs to know. That’s all personal finance is. Spend less, invest more auto. Sell only when you have something to pay for. Teach your kids this as well. Friends and family.
I say fight the mossad agents. Every paycheck into 0dtes is how you truly break free. VOO is how you become a slave to the system.
Why doesn’t Cathie 🪵 just VOO and chill? How can someone be consistently so bad? Unless she gets her info from WSB?
# I just had a Roth IRA rollover clear and I’m ready to deploy this lump sum into a portfolio for the next 40 years. My Roth currently holds VOO and VXUS, plus a separate taxable NVDA position I’m leaving alone for now. I initially felt way too tech-heavy, and I want to capture the total global market with a 70/30 US-to-International split. For the US side, I’m targeting an 80/20 split between large-caps and small/mid-caps to capture the rest of the American market. So that being said, we got * 56% VOO (Large US) * 30% VXUS (International) * 14% VXF (Small/Mid US) What are we thinking, Reddit—am I missing any massive blind spots here, or is this a solid setup?
You are correct. That’s rough!! Way easier to just be USA and VOO and chill. We certainly take for granted how easy it is over here. And to OP’s point: it totally FUCKS the 4% thing… that sucks! No idea how to mitigate that for foreigns. Super curious though as a pro here in USA, I have friends that have to use foreign markets.
After selling all 10 houses what are you gonna do just tie up alot of money in CDS something safe to where you can live off intrest alone or go into VOO or spy?
Well first of all, if your company matches a percentage of 401K contributions, always contribute that matching percentage at minimum since it’s free money. If you make combined less than $236K combined, you can contribute $7500 each to a personal Roth accounts, so be sure to max that out. $236 - $246k limit is $7000 each Roth, after that it’s not allowed. If you exceed $246K, then better to max the company 401K Roth if applicable. Then again, if you’re making that kind of money then chances are you’re better off with traditional IRA given your higher tax bracket. The advantage of a personal Roth thru a retail investment firm like Fidelity is typically more control than 401K plans. As far as diversifying I recommend a portfolio like this: 45% IVV/VOO (S&P500), 15% AVUV (active managed small cap value), 30% FENI/FNDF/VEA (international developed market), 10% FNDE (emerging market). As you age, you should steadily add & increase BND allocation, to create a glide path that protects the portfolio from drawdowns.
The real Dunning Kruger effect is from people like this. These people have just learned literal college sophomore level portfolio theory and now think they’re Warren Buffett. They need to just invest in VOO, shut the fuck up about it, and leave stock picking to people who enjoy it
You know how many professional money managers fail to keep up with the benchmark? The purpose of VOO and chill is to not have to give it thought. And who cares what “props up your wealth”? All that should matter is that you are wealthy… If there is volatility, well that is good to the automatic investor. That is a feature, not a bug. Remember to only sell when there is an urgent expense to pay for and you’re good. Not all risk is bad. Being mad that the sp500 is propped up by AI bs is like being mad that the NBA is propped up by “tall people bs”, yea, like what do you expect? lol It’s a free country, do as you wish. Best of luck.
That's what I'm doing. I put $400 in VOO and $300 in a HYSA every week to save for a house in 5 to 6 years. If i have to wait for the market to adjust I'm willing to wait .
My exact setup with Fidelity CMA! I DCA weekly/biweekly into VOO/VEU/ONEQ/VYM + SGOV holds my Efund. Reinvest dividends. This account would be my first to be liquidated if I ever needed cash for anything like a big purchase, business opportunity, or partial retire hopefully 17-20 years out.
Hey there, I had a Roth IRA rolled over, and I don't quite want to disclose the amount, but it's certainly getting me excited about what to put this into. After some brief (and I mean brief) research, I was thinking about three EFTs to diversify my stocks, as I am currently leaning pretty heavy in the tech sector (NVDA, VOO) XLV (Health Care Select Sector SPDR) XLI (Industrial Select Sector SDPR) XLP (Consumer Staples Select Sector) What are we thinking, reddit? I will be honest; I know a whole lot of nothing about stocks; I am mainly just trying to load this cash into each EFT for long term investing for the next forty years.
Hey everyone, i've been really kicking around two different investment strategies for the next 20 years to build wealth and create passive income, and wanted some input on both- an initial $10k investment in high dividend stocks (either VZ or GAIN) and then DRIPing and a constant $500 a month investment vs a diversified ETF Strategy with the same initial investment and monty contribution. The strategy would be 60% VTI, 30% VOO, and 10% VUG. To offset the dividend income gap, i'd switch that over to 50% SCHD and 50% JEPI towards the last few years. I have a high risk tolerance, which is why I don't mind putting it all in a single stock vs diversification. All this to say: which have you seen be more successful- Dividend investing or ETFs for long term wealth?
100k is way too much for an emergency fund. You are just losing money having it sit in there instead of having it in index funds. Inflation is like 2.5% so you are actually making 1%. Unless you are trying to buy a house in the next 6 months, keep 10k-20k in there and buy something like VOO with the rest.
I agree that it's probably better to invest that money into VOO or something, but treating 15% annual returns as a foregone conclusion is optimistic
Absolutely, I would dump it all in VOO. Any savings for longer than 1 year should be in S&P index fund. Emergency fund too.
Wouldn’t say objectively…but decent storage for “emergency” funds. In high tax states, short-term treasuries can also net out more than HYSA. VOO has grown basically 0% since the new year, but it’s 73% over the last 5 years…conversely, dividend equities have returned ~15% this year so far.
30K into HYSA for emergencies. 70K split between VOO and VXUS. You will be set.
I have my savings mostly in SGOV because it returns a similar rate to a HYSA but is mostly exempt from state taxes. I did the math and I take home more in the end in my specific case. A HYSA, CD, treasury, etc. are great for short term financial goals (<10 years) because of the stability. You _can_ get higher returns with VOO, but you can’t be sure the market will be in a good place when you need the money for a car purchase, mortgage down payment, or what have you in a few years from now.
VOO is up 2.3% the last 3 months, so you have been winning there. It’s up 11% last 12 months, but subtract capital gains tax and looking around 7-8ish. If you need the money on the next 3-4 years, I would keep it in the HYSA. Could also split it if you are not sure.
Since inauguration VXUS +44% vs. VOO 20%
You don’t have to worry about losing your money if your brokerage goes under. The SIPC protects up to 500,000 and the brokerages insurance probably covers even more. Even Robinhood is probably fine but I’d go with another broker like Schwab or Interactive. I think Schwab has the best UI (Thinkorswim) and Interactive has great margin rates. Robinhood, as far as I know, is best for trading lots of cheap options because they don’t charge commission fee per contract. If I was just going to build a big taxable position in VOO, I’d choose Interactive. If you need a quick emergency loan, you can just pull margin and it’ll be pretty competitive - like 5.25% or something- depends on market rate and your account tier.
3.5% is decent but inflation eats that. I'd keep 6 months expenses in HYSA and dump the rest into VOO unless you're buying a house in the next 12 months.
The only way I would say a brokerage makes sense is if you live in a state where you’re getting hit hard on 1099-INT for the interest you’re accruing and you could move a large chunk to a brokerage and invest in SGOV which has around a 4% return and is a little easier on you when it comes to tax time. But if you’re going to need the money in the short term, don’t invest in an index fund like VOO.
How often is Edward Jones making any changes to your portfolio to justify you paying them anything? At 32, unless you have some unexpected life events (which ED Jones wouldn't be able to anticipate anyway), you can just be on autopilot and make a couple of tweaks every 5 years or so as you get closer to retirement. You could move your whole portolio "as is" directly to another broker. And then control it yourself and pay nothing. Most people just use a handful of index ETFs like VOO and QQQ. If you're happy with how the portolio has performed, you can just transfer it somewhere else and then just leave it alone while you get yourself up to speed on what you might want to do differently.
Ya I don't get how people can just VOO and chill 1.44% is depressing
My port is: \~30% VOO \~25% AVUV \~20% VGT \~20% AVDV \~5% AVEE
Open a Roth with Fidelity, they have a process to transfer your account in. It will move in kind (not selling anything). Then it will be the same as it is at EJ but now at Fidelity. From there you set it to buy whatever you want. Either all at once or just buy VOO on an auto basis or to fill the gap at the need of the year. Simple. I buy some stocks I like in my Roth. No penny stocks. But you don’t have to be dogmatic either. VOO auto is just easier on taxable. Sell only to pay for urgent bills. That’s it. Paying an advisor isn’t necessarily bad. I’m an advisor. I charge. But my clients shouldn’t sound like you. My clients should KNOW why they pay me. I tell them the free route at Fidelity is always an option. The investment choices isn’t the secret sauce, the motivation accountability and planning is. If you were getting that with your advisor you wouldn’t be here… talking like you are…
$100,000 is a lot to have in an emergency fund. That’s more than you make in a year. Index funds are relatively safe too. I would keep $20,000 in the HYSA and then invest the rest in VT, VOO, or VTI. Whichever you choose. You’re going to miss out on some insane compounding gains if you just keep it all in a savings account
Just open a Fidelity account and move there. Edward jones is expensive. If your advisor isn’t helping you do more, then why are you paying? Setup an auto weekly buy of VOO and work to increase the weekly. Then boy sell when there is an urgent expense to pay for. That’s it. That’s all anyone needs to know. Best of luck.
If you need the money immediately, like today, keep it in a standard bank account. If you need it in the short term, less than a year, park it in an HYSA to fight off inflation. If you need it in 3-5 years, bonds and CDs can be a better return rate than a HYSA, but the money will be tied up more tightly so that’s a trade-off, a good HYSA rate is still broadly fine. If you can let the money cook for 5+ years, certainly 10+ years, then a brokerage account focused on low cost broad market index fund (VT or VOO/VTI + VXUS) are your bread and butter.
I don’t like HYSA, keep a 10k buffer there. Open a Fidelity account and put the 90k in SGOV, that is a low risk tbill etf. Use that instead of HYSA. Why? Because in my experience people spend easier out of their HYSA. In that same Fidelity account start buying setup and automatic weekly buy of VOO. Start with what is comfortable. Then work to increase that. Sell ONLY when there is something urgent to pay for (that thing could be a house, time will tell). It is the habit you need to cultivate early. You need to get in the habit of auto investing. Set your 401k to lowest cost sp500 fund. Get as much in there as you can stomach as early as you can. Do a little Roth in that 401k also. Sooner the better. That’s all personal finance is: spend less, invest more auto, don’t panic sell. You will learn a ton more. Rome was built in a day, but that’s the basics. Keep maxing your Roth. You’re doing great!!
I dont like to own more than 10 stocks. If you are going to own more than that just own VOO or VT.
VOO is gambling now?!? In an investment sub?!
honestly you’re already doing a lot right. getting the full employer match and investing consistently at 20 is a huge advantage by itself, so you’re ahead of most people. the only thing i’d point out is overlap. VOO and QQQ already have a lot of the same big tech names, so you’re pretty concentrated in large-cap growth whether you realize it or not. SCHD adds some dividend exposure but it’s still mostly US large caps. not necessarily bad, just something to be aware of. also your 401k being a target date fund already gives you broad diversification and automatic rebalancing, so you don’t necessarily need to get too fancy in the Roth IRA unless you want a specific tilt. if your goal is simple long-term retirement investing, honestly the biggest factor is just keeping contributions high and sticking with it. allocation tweaks matter way less than consistency over the next 30–40 years.
Uh no, s&p500 has been lagging international stocks since Trump took office again and started trying to strangle the economy with his tiny little hands. https://portfolioslab.com/tools/stock-comparison/VXUS/VOO Amazing you're on a forum called wallstreetbets and don't know how to check this for yourself, but here ya go.
Question about this, VOO has dividends, does it not?
Yes... voo is great start doing it. Another piece of advice. If you think of other things to invest in ask AI, or even ask AI for suggestions. I wouldn't blindly follow it, but worth it for some information. It got me onto VHT... which is a Healthcare index fund. not a huge mover but a good diversification against tech heavy stuff in the market. People need/use Healthcare. But for you... stick with VOO and watch it grow dont worry too much about other stuff until you grow a bit. Don't get caught up in the over hype TikTok stocks.
SPYM is cheaper at 0.02% but lower AUM and trade volume especially during pre and post market so tracking errors may be higher. VOO is 0.03%.
Don't bother, these people think investment gains are capped at whatever VOO returns
Agreed but also if you keep track of the markets and financials you can make more money by simply making educated decisions. Pick companies with good metrics, buy extra when they dip, review your thesis regularly. You don't have to even try and find the next palantir or nvidia. Google has a 5 year CAGR more than double that of VOO.
Plenty of people beating the market too, they are investing in solid companies, staying the course, staying consistent, ignoring the noise and holding during downturns. VOO typically averages 10-11% per year inflation adjusted, some people are more than happy with that. Others are not, and if you can tolerate risk you can get rich far quicker.
You're just a gambler. You have a gambling problem, not a skill problem. You cannot beat the house/market with gambling. Just buy VOO and sprinkle in some VXUS, and hold. Don't do anything else. You've proven yourself to be an incompetent gambler.
Own a broad index fund (VOO) and chill
With your current portfolio size I wouldn’t spread yourself out with so many positions. If you are brand new to investing I would tell you this, pick an index fund like VOO. Put your first $10,000 over time into it while learning and understanding things like valuations before jumping into individual stocks.
Start owning. Buy VOO AND STOP GAMBLING ON THE MARKET! Sorry didn’t mean to get loud but you need to kiss that money goodbye and start grinding out long term purchases. If you are really worried about being set back cut some expenses get a second job and work at it. Since let’s be honest what you are doing isn’t working.
If you want 1 fund, VT is the way to go. If you want to be able to balance your international exposure then consider 2 funds - VTI and VXUX. If you do decide you want an S&P 500 fund as your only holding then consider SPYM as it has a marginally lower ER ratio than VOO (0.02 vs 0.03).
Why not $SOXX? $SCHG $VGT??? VOO basically just keeps up with inflation
Put the rest in VOO and quit trying to outsmart the market.
VOO is good; VT is the absolute best, at least until mankind becomes an interplanetary species.
You haven’t said what brokerage you are using, but on Schwab, if you click on Research and enter “VOO” (or any other ETF) and then scroll down you can see a list of all companies‘ stocks held in VOO/the ETF. Also on the Schwab Research tab is the ability to compare as many as 5 ETFs. Play around with your brokerage site, you most likely will find a lot of useful things to learn from. My family wasn’t into stocks and my ex, who was a CFO/CPA, wasn’t knowledgeable about the stock market, either. Five years ago it was all a black hole for me. I‘ve learned enough to manage my own money since then.
Me when I'm seriously trying to hold just shares of $VOO, and not fuck with options: [https://www.youtube.com/watch?v=1Pini3MRjE0](https://www.youtube.com/watch?v=1Pini3MRjE0)
VTV and VTI are clearly not substantially identical. Wealthfront and Betterment have published white papers on their tax loss harvesting methods and they use index funds that are very similar, but which follow indexes from different index or providers. The IRS has not objected. The IRS has not even objected to swapping between ETFs that follow the same index, such as SPY and VOO, which are both SP500 ETFs. That is pushing it too far for my taste, but I do TLH between VTI, ITOT, and SCHB which are in total US market ETFs, but the index providers are different.