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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
You got it. Buy VOO auto amount on a weekly basis. Then work to increase that weekly. Compare that weekly to your bills, and try to beat every bill close to that weekly amount. The less you spend and the more you auto invest, the better you will be! And always be prepared for pullbacks. Manage emotions. Best of luck!!
SCHD SCHY SCHB all equal split DCA over 2 years would be my go if it has to be all stock 300k just my opinion not advice and those ETFs are not absolute and interchangeable VOO VYM VYMI or SPY DIA VEA and so on so forth
Thats not how an inclusion works. Various funds (SPY, VOO ... etc) that track the S&P 500 are FORCED to buy CVNA stock to match their required allocation. And whats worse is the shares they buy get locked away and are not actively traded, meaning its a massive demand event that sucks out the supply and locks it up. Causing the remaining supply of shares to need higher and higher prices to be unlocked.
Would it be smart to do half VTI and half VOO or all in either?
Yes. I was thinking about this, and did a tiny bit of research, and then posted in this group: if you look at what the ETF holds, by percentage, and look then at the expense ratio, you will realize: take an example, VOO, a "low cost ETF". The expense ratio is 0.03%. Seems small, right? But then cautiously use your brain: how many of the VOO stocks have a presence less than or equal to 0.03%? A shocking number. 130, 140? stocks where you buy less of the stock than you pay !!!ONE YEAR!!! for the Etf. Buy and hold, pay 0.03% every year? It gets worse. So .. ETF = money for the company, and you are not important.
If you are trading and playing with short term swings, you need to understand that the market doesnt follow reason. If you are investing long term, then eventually fundamentals will win and as long as you pick and project well. Most people cant do either well... which is why they use ETFs like VOO or VTI. Short term, pricing is unpredictable. Long term pricing veers towards fundamentals and is more predictable.
Paying 35 basis points to systematically exclude the companies driving the market’s returns is a questionable strategy. With only roughly $71M in assets, XMAG is a liquidity ghost town that faces real closure risk compared to major funds. If you hate concentration, RSP (S&P 500 Equal Weight) is the standard alternative with actual volume and history. Paying 10x the fees of VOO just to cap your upside seems backward.
Open a Fidelity account. Buy VOO on auto weekly basis. Whatever he can afford. Sell only when there is an urgent bill to pay for. That’s all investing is, spend less, invest more. Do it auto. Awesome job for him!!
Before you invest make sure you have an emergency fund setup with 3-6 months of spending in a HYSA. If you do already just put it in VOO or VT
For a young person, I’d just through it into VOO. Low cost index tracking the S&P. If there are certain areas that you think will grow you can take maybe 10-30% of that and drop it into other riskier ETFs like quantum, robotics, or something else you think could do well over the next 10-30 years. That’s my $0.02
With VGU you’re doubling down on the growth stocks. That’s not what I’m after I ve kept international out of this discussion so it is not about overall AA and just about diversification of VOO.
Thank you. I am probably missing some obvious details, but am a complete newbie and have been trying to ask questions and learn over the past year. The deer between the headlights moment was having a 401k that I just left in a target fund for a while and didnt think about anything else. Any surplus cash I had was in some rental properties for a future retirement income that I started doing a few years ago. The ah ha moment was when I calculated the two rental properties, on the down payment (dollar put in to get the rentals), after tax income. I was getting about 2-3% gain on the dollar 'invested (in the down payment). And when I move abroad I also have to get up a month for someone to manage it (instant loss of 8.3% income...not just profit). That also assumes I would have to replace the roof, water heaters, furnace in the next 3-15 years which would wipe gains for many years. And then the real estate is in a down for a while, so appreciation is very minimal (and even a break even or somewhat negative right now). I realized dollar for dollar, I could put it in VOO (7% rough gain on the dollar) and be liquid and flexible. that led me down the rabbit hole of slowly educating myself and coming to the conclusion that I might be able to retire (using SOSEPP on the IRA part of the 401K, above portfolio and SS in 11-14 years all while abroad which I was planning to do at some point).
I use VXUS and VGU as a hedge against my VOO (75%)
Sell some, throw it into VOO & don't touch it. Don't panic sell when the market drops, forget about it.
Historically, holding SPY/VOO has been a winning move. If SPY/VOO starts sucking, chances are the average individual stock investor also isn't doing well.
Looks solid for 27 honestly. You’re already doing more than most people your age. You’ve got real assets, you’re contributing consistently, and you’re not trying to time anything. That alone puts you ahead. The only thing I’d look at is balance. You’re pretty heavy in just a few names right now. Nothing wrong with liking them, but having a wider base through something like VOO or a total market fund can smooth things out long term. You’re already doing some of that which is good.
Most people are probably over weight on it because of the indexes being held such as VOO, VT, VTI, etc. Depends on your time horizon I guess. Right now it’s a secular growth trend and still in the early phases IMO. These companies have strong fundamentals and are sitting on loads of cash. No matter what stocks you are buying it’s always buy, hold, and monitor. I’m not worried. I have time, and I’m diversified holding ETFs US and Ex-US, non tech industries, and cash. Wealth is made in bear markets. Keep buying and stay the course.
Really it depends on how much money you’re talking about and what that sum is in relation to the rest of your net worth/holdings. If this is everything you own, then sell all of them and put that into something like VOO or diversify into other stocks like AAPL, GOOGL, WMT. If this is just a sliver of your holdings, then keep it and see where the dice roll takes you. Also, if you happen to own 100 shares of any of these, then sell covered calls to generate some revenue for yourself on the positions, which I love to do if I’m in profit
Continued: If just one of Mag 7 draws down by 40% (let’s say TSLA with 2.4% —> 1.4% ) that’s at least a 1% drop for VOO. The higher fee & spread of ~ 0.33% compares well to that scenario. With all the media talk about an AI bubble and Mag7 being a large portion of the market, I’m surprised this ETF or equivalent hasn’t been more popular yet. I also think it’s better than an equal-weight ETF (like RSP WITH 0.20% fees). Market cap weighing sorts winners from losers. What do you think ?
I want to be realistic with myself, I mostly want growth, I know stocks can give a higher return but are more of a gamble. Is someone is invested in VOO would there be a point of them investing in NVDA, NVDA could go up while VOO is less responsive because of the other funds, would it be worth to look at stocks only outside of those etas
You're not in enough subs or looking at the wrong posts. Get away from the pumpers in WSB and those penny stock subs. Stay away from Bogleheads because they won't point you to anything but VOO or VTI. r/stocks, r/valueinvesting, r/ETFs, and r/LETFs are decent spots, and you will find a treasure trove of info in them if you avoid any post mentioning Nvidia and the rest of the Mag 7, which isn't hard to do. Or just open ChatGPT or Gemini and ask what the more talked about stocks are outside of the MAG 7 on Reddit, and to provide source links, and let it run its magic. You can do this. 👊🏾
Well, you are light years ahead of most people at your age. A few notes though. The main constituents of VOO and QQQI and the same/ similiar so holding them seperately doesn't give much extra diversification so why bother. Nothing wrong with having these 2 seperate but this is usually done for diversification and that doesn't seem to be happening. For your O holdings, the PE for O is about 55, even more at the run rate - very high. They have excellent revenue growth '23 to '24 (about 30%) but this seems to have moderated recently (9% current Q to year before). Unfortunately their income seems to actually be going down and they consistently dilute their stock, over 25% in the last year and over 10% the year before. Hell, their dilution is more than their revenue growth the past couple years (averaged) and again, their income is actually going down though they do have decent dividend yield (5.5%). I really don't like the company. This all seems sloppy and they seem to have less concern for their shareholders than many. So, they are mostly ok long term but short and even medium term they are overpriced and unless they stop the dilution its not clear how good they'd be long term either. I'd sell them, they may eventually end up being ok but there are way better stocks out there that have far better income growth, far better value metrics and even better dividends (though I'll admit, getting all 3 of these might be very challenging). I think long term you'll do fine with these investments (probably even O) but short to medium term they are all at high PE ratios so maybe not so much. Again though, long term this might be pretty good.
If you just went and bought VOO and sat on it, you'd do fine. Difficult to screw up.
VOO is great. Similarly you’ll see more growth in QQQ than QQQI
ONEQ is a great Nasdaq option. ONEQ has over 1000 holdings vs 500 for VOO or 101 for QQQ. Yes, Nasdaq is tech heavy with over 50%. ONEQ has outperformed VOO eight of the last 11 years including this year. ONEQ has an annualized gain of 17% the last 15 years vs 14.24% for VOO.
Sounds like you're not very good at the stock market you should probably just DCA into VOO
I feel you are an emotional trader and if you invest and the market has a dip you will panic and sell everything and take a loss. You may want to put your money into a HYSA for the time being and do paper trading. It's basically real trading but you use play money. That way you can see what to expect. In your case, I would only invest in VTI (or VOO) because it seems your risk profile is extremely low.
In addition to what everyone else said, massive ETFs like SPY and VOO have a variety of insurance and offloading options for shares like Nvidia. If you're worried about a market crash, these ETF's are still your best way of hedging against it.
I transitioned to VONE over VTI or VOO in part because of the premium S&P pays when adding/dropping new names. VTI has too many little zombie companies that will never produce meaningful returns. VOO suffers from the attention on S&P. I do think you're overthinking this a bit though. These companies are going to be tiny percentages of the total index.
FOL vs FOMO. The two emotions that lead to losses. Even the pros fail so just DCA into the VOO/SPY and QQQ (assuming your horizon is 10+ years).
Buy VOO, Sell Short TSLA…
I think XIC and VOO are winners. EIS is probably gonna do pretty well too.
If you are buying something that is appreciating, whether it is VT, VTI, VOO, QQQ, VXUS, Gold or whatever, it will be more expensive today than it was x days/months/years ago and there will almost always be someone who feels it is too expensive. I do not know anyone who has a perfect crystal ball and all the options that have a high inflation-adjusted return carry risk. So just find an investment whose risk profile you are comfortable with (lazyportfolioetf.com has data in various currencies showing both returns and drawdowns over 1, 5, 10 and 30 years) and get started.
There are big differences between SPY and VOO and they are for two different types of "investors". Learn what they are: Google VOO Vs SPY.
My 1st Portfolio I’m 30 and new to investing, and I’ve been literally overwhelmed by all the options that are available for me to invest in. After a lot of research i have decided to stick to ETFs for the moment.. Please help me analyze my portfolio.. My monthly DCA budget would be 200 USD (300 usd exceptional case) . Portfolio X 1. VOO 2. VXUS 3. BND 4. GLDM 5. SMH I want to include QQQM and SCHD too but I’m not sure because of the overlap..
My point was I have no IDEA what will happen in 30 years. All of the top ten companies by market cap from 1995 are still around and doing fine(Intel is probably the most suspect). They are not the darlings the Mag 7 or Faang have been, but fine. And 30 years from now if you invest in something like VOO the odds on favorite is you will own some companies that end up doing really well.
Because I don't know I diversify. If the AI bubble pops, you can see big losses in VOO.
I’m retired and hold a 100% all equities portfolio (mostly VOO). I disagree with the notion that the next 5 years will be low growth. Nobody can predict that accurately and AI will power growth across every industry worldwide. The best hedge against inflation are equity portfolios.
honestly i’d lump sum it unless watching the balance bounce around stresses you out. VOO is basically the default long term play for most folks. SPAXX is just cash, so it’s like the holding tank. if you swipe your HSA card, Fidelity automatically sells enough of the cash position to cover it. you don’t have to do anything. also if you keep your short term money in a HYSA, make sure it’s paying well… BankTruth is good for checking that.
5x5 until you grow used to the weight and max out, continue to add weight as you grow. Eat enough protein. Also, invest in a broad index fund like VOO or SPY and grow your net worth while your body grows. Best of luck.
Well firstly, it’s unlikely it will grow at 80% year after year (it’s roughly 29% CAGR over the last 5 years). But my main point is that you already have 4% of your portfolio in Google by way of your VOO exposure. Presumably the purpose of having 20% of your portfolio set aside for individual stocks is to gain exposure to investments you aren’t getting in VOO.
Well, define solid money. I am conservative as far as my risk % on any one trade and try to manage things closely. Anyway, I am up 15.5% in exactly 6 months on options trading. Could have done just fine sitting in VOO but I have other $$ doing that for me.
Well, define solid money. I am conservative as far as my risk % on any one trade and try to manage things closely. Anyway, I am up 15.5% in exactly 6 months on options trading. Could have done just fine sitting in VOO but I have other $$ doing that for me.
If you are aiming for the long term, I think Meta, Amazon, and Google stock would do ok, or invest in ETFs like VOO or SCHD for dividends.
Holding - TSLA, NVDA, META, AMZN, BTC, ETH, SOL, VOO, QQQ. AI Revolution accelerating. New dovish Fed Chair. Pro business and stock market president until at least 2029. No options or leverage BS. It can all be so simple.
For my three picks to complement a VOO/VGT core, I’d focus on high-conviction secular trends with clear 2026 catalysts, but in areas you might be under-exposed to even within tech ETFs: **1. SNPS (Synopsys)** \- **Thesis:** The absolute pick-and-shovel play for advanced chips. Every AI/3nm design requires their software (EDA). It’s a high-margin, recurring-revenue monopoly. 2026 Catalyst: Rising chip design complexity = more $ value per tool. Pure AI infrastructure, but as software, not hardware. **2. CEG (Constellation Energy)** \- **Thesis:** The clean, baseload power solution for the AI data center boom. Largest U.S. nuclear operator their carbon-free, 24/7 power is suddenly strategic infrastructure. 2026 Catalyst: Direct power purchase agreements from hyperscalers locking in capacity. Benefits from IRA tax credits. Real-asset hedge in a tech portfolio. **3. SHOP (Shopify)** \- **Thesis:** The operating system for modern commerce is maturing into a cash flow machine. Beyond e-comm, it's capturing payments, fulfillment, B2B. 2026 Catalyst: Shift to profitable growth, enterprise expansion, and AI features that boost merchant spend. **Wildcard:** **PLTR (Palantir)**. Betting their AIP platform becomes the enterprise AI "brain." Wildcard because it hinges on massive commercial adoption scaling in '26, which is high-risk/high-reward.
You should just be in VOO with that amount of money.
LOL having both VOO and VGT is not diversified at all. You probably have let's say around 30% of your portfolio in three stocks. Nvidia, MSFT, and Apple.
Legit question, does VOO buy the same stock/shares as SPY?
A lot of people listing companies like Google and Meta - is there really that much point in investing some of your 20% ‘growth stock’ allocation in companies like this that are so heavily weighted in the key ETFs like VOO already? GOOG is like 5% of VOO, so if your portfolio is 80% VOO then 4% of your portfolio is essentially already in GOOG. Makes more sense to me to allocate to higher growth stocks outside the S&P500
Not people that invest in VOO and the like
Realizing the gains it could’ve been if VOO and chill instead of
It’s reasonable and I think this is reflective of the approach many people choose. I would feel a lot better if you threw that $55k at the mortgage rather than putting it in VOO. I love a guaranteed 6.875% return. And I would rather see you layer in risk over time rather than all at once. You’re making enough money to build up that etf portfolio in monthly chunks, if that’s what you want to do. But you can also split that and use half to keep making extra payments towards principal on the mortgage. If you’re able to refi at a lower rate, then reevaluate the split at that time.
Which would fit with my QQQM, VOO, and what do you believe the break down should be?
That’s the gray area in this. “Substantially Identical” is never clearly defined by the IRS. So you are having to make a judgement call there. VTI is a total market fund, and VOO is an S&P500 fund. Those should be distinct enough to not trigger a wash sale imo.
What does "substantially identical" count as? I've been swapping between VTI and VOO for IRA/accounts to avoid this.
For years I used to put some savings toward invest and hold into VOO. A friend told me about covered calls and PMCC. Seems like PMCC would give the best return on capital and mimic an invest and hold strategy. Any suggestions on other things I can try for a fairly simplistic and risk limited strategy?
I learned this lesson hardway. thought I am too smart and went for individual stock. Best to do 50% EFT (SPY, QQQ, VOO) and 30% mega cap (with great business) and 20% cash
CVNA in s&p makes me want to sell my VOO
https://preview.redd.it/fyq1pxt90h5g1.png?width=593&format=png&auto=webp&s=9967bae6958267f9dec0714cea42edd1b871de78 Might as well VOO and chill bro
Risk adjusted return measures (dig deeper with Google or your favorite chatbot) are one of the best ways to compare. Options are leveraged, long VOO shares is not. That's why you have to normalize returns in some way, and a common way is via risk taken for returns realized. You're instincts are correct here, though. Leverage and turning over capital in a given time frame are the most statistically possible routes to outperformance versus your benchmark. Realize also that a large sample size is required across a range of market conditions is needed to know whether YOUR under or outperformance vs your benchmark is due to chance. Without going into the math, the number of trades you will need to complete is in the hundreds. It's probably an unsatisfying answer, but it's also a fact. In the real world different strategies will vary in performance in different market conditions. For example during the "lost decade" (google it) the SP500 went nowhere (range bound) for years and you could have absolutely killed your benchmark for over a decade selling strangles, CCs or CSPs if your timing was focused on the edges of the range.
I've started selling stocks that have lost me money and converted them to VOO. And then I'm offsetting those loses by selling some of my higher gaining stocks (so that I don't have to pay as much taxes).
RDDT and GOOGL were my only non-VOO investments 🤠
If you want to sleep at night put half in VOO, VT, SPGI and chill.
I do VTI and VOO in retirement accounts. In my Taxable account I have MSFT, NVDA, SCHG, and I sell options. I suppose Msft and NVDA are solid choices though. Volatility is rough on some days. I’ll move over to something that gives me more peace of mind at the end of 2026.
Forest gump came out in 94, if you bought 1k AAPL (forest bought in the movie) then and held until now, that’s like a million dollars. Concentration is good for wealth creation, and you’re right, it is risky. I invest in single stocks I like the same way I do VOO or QQQM, buy auto and weekly and only sell when I have urgent bill to pay for (so basically never). If you’re young, and you don’t panic sell, you will be fine. If you choose stocks you have to monitor, you already messed up. Nothing wrong with buying companies you believe in, accumulate and set to auto. You can do both: ETF, and buy good companies. If you gamble and get burnt, learn the lesson or don’t. Life goes on.
You need to buy VOO and add to it every month. Look at it again in 20 years
Should have stuck to VOO
It’s not rocket science. Anyone that invest time and effort to build a diversified portfolio with names that beat the market on average can do it. Why is this so surprising? Even If a person puts their life savings into on of the mag 7 and park it their for the whole time he or she will beat the SP500 over a 10 year period. Higher risk yes for sure. But you don’t seem to grasp the concept of buying assets that has a higher cagr than the market will make you also beat the market it is really that simple. But continue to invest in VOO I’m sure it will be a thrilling ride for you
I'm up 40% YTD swing trading shares in my 401k (and selling CCs as we chop around the past month) while S&P is up 16%. yes it is all a form of gambling, but done with proper risk management, there's never even a chance of the huge losses you see posted on here. I keep saying if I can't 2x the S&P, I will just VOO and chill. my taxed "safe" account is up 20% (way more than a HYSA) and my taxed gambling account is up 140% (It was up over 200% at one point but I used proper risk management and didn't revenge trade it into the ground like some regards do). my edge is not being retarded and checking my emotions. I truly think that profitable trading is not hard on an intellectual level, anyone can follow the signals I follow and trade hot sectors like I do, the difficulty is being able to control your emotions and stick to a system when the shit hits the fan.
Sure but only for the laughs, I have been long VOO since before the time your mom turned professional, and all I do is reinvest the divis. Good feeling.
ATP just put 56.89 in VOO and leave it there 😭
Is it so hard to just VOO and chill. You would have been up 😂😂
coulda put it in SPY/VOO and literally just doubled it in the safest way possible lmao
That will work best for most people but it sure as hell very boring and beating the market isn’t that hard if you take the effort and could be the difference of retiring 10 years earlier or similar. But I agree for most buying VOO is much better
80% VOO , 20% MAG7 and always have some dry powder to buy a MAG7 dip like META 2 weeks ago. If you do this you will beat the market.
I believed in it even when I was down bad. Bought 225 shares at $28 and 775 more at $8. Sold 200 early this year at $103 and another 200 at $130. Put it all in VOO
22.8% YTD MWR, large cap dominant portfolio with overweight to Megacaps (META, GOOG, AMZN, UBER) and cyber security. Core holdings are VOO, VB & BRKB
Pick one broad index fund and eliminate the rest. VTI at 0.03% expense ratio gives you the entire U.S. market, so VOO (87% overlap) and VT (which contains VTI) are redundant. Drop the active funds entirely; American Century charges 0.29%, Putnam charges 0.56%, and they are selecting from the same mega-cap stocks already dominating your index holdings. PIMCO Income has a 0.90-1.65% expense ratio depending on share class, which is obscene for fixed income. If you want 70/30 stocks to bonds, go 70% VTI and 30% in a low-cost aggregate bond fund like BND. Drop the four individual stocks since you already own them in VTI; Apple, Amazon, Nvidia, and Berkshire are collectively over 15% of VTI’s weight, so your 16% allocation creates concentrated exposure without diversification benefit. If you insist on holding individual names, keep it under 5% total and accept that you are gambling on outperformance rather than building a balanced portfolio.
call gains from this morning ported into VOO and GOOGL. Love it
You’ve got a pretty concentrated growth/AI tilt on top of broad US and global ETFs, so your overall risk is heavily tied to large-cap tech even though VT and XLU add some diversification. One way to sanity-check your predictions is to look at what portion of your portfolio is in broad indexes (VOO/VT/QQQ) versus single names (NVDA, AAPL, META, DUOL, ANET) and ask how you’d feel if the AI/mega-cap theme underperforms for a few years. VT slowly becoming your top holding will naturally reduce single-stock risk over time, while XLU is a small but useful ballast if rates stay lower. If you want to visualize how much of your portfolio is really in US tech versus other sectors and regions, a tool like [WizardFolio.com](http://WizardFolio.com) or any ETF look-through site can help you see the underlying exposures more clearly.
Should have put it into an etf like VOO
VOO is over $600 right now and VT is $141.
This is something I think of a lot: It truly depends on what you’re holding. Like if you’re heavy in a recently IPO’d AI Data Center company, you could time your entry well and find yourself up 20-30%+ in the matter of days or weeks. However, in that same regard these kind of companies are often: 1) Low volume. 2) Contingent on any market/sector noise (good or bad). 3) Are news heavy, negative press can crush something that’s new and likely not profitable yet. So you can see how that 20-30% gain could flip to being either 0% again, or even down a significant percentage. You can hold onto it, but if you don’t believe in the company fundamentally why diamond hand it? I think taking profit on riskier plays is a good move imo, just understand you will pay more Capital Gains Tax if you hold for less than a year. Also note this: You can take pieces of your profit when you’re satisfied or worried about volatility. Pretend you have 1,000 shares of a long term holding ; let’s say you got TSLA in 2020. Your initial investment was $200,000 because you got 1k shares at $200. It’s now worth $450,000+ since 2020. You could cut your position in half and still have double your initial investment tax included. That’s a dreamy scenario, but the idea is if a stock does well you could trim and still have a meaningful position in the stock. It’s all about risk management in my view. If you’re going to flip a stock you need to be willing to accept a reality where you may and likely will sell far too early, and buy too high. If you’re selling a volatile stock because you’re happy with your gains, you can’t lose sleep over the loss 15-20% because it could have went the other way too. If you buy too high, it’s preferable to have a company you could feasibly hold long term because it’s fundamentally a good stock to own. Sometimes you can manage to sell at the peak and buy at the bottom, but even seasoned investors can mess the timing up because that’s the name of the game. It’s also about where you are financially, where you want to go, and what your overall plan is. There’s absolutely nothing wrong with taking your money and doing a mix of an S&P 500 fund, VOO, Blue-Chip funds, diversified ETF’s, and maybe even some precious metals; and just holding for the long haul. There’s also nothing wrong with snuffing out individual companies you believe may be those 1,000%-3,000% winners. The issue arises when someone wants fast money and/or thinks they cracked a code somewhere. The small-cap stocks can be fun because they may shoot up nearly 400% in a day like CAPR. But like I said, it goes both ways. Holding shares and being patient isn’t the sexy or cinematic way to invest, but compounding and focusing on sticking to your core goals is statistically lucrative long-term. Everyone has their own unique plan, you can make a lot of money doing a blend of short, medium and long term investments. Full profit taking quickly may not be the smartest idea if you are in a company you truly think will succeed, has a runway to higher levels, and fits your risk profile. But with companies that have rocketed 1,000% or more historically, many weren’t always clear winners. It stings to miss some of the big ones, but for a company to accelerate to such levels and not be a penny stock, it requires a unique set of optimal outcomes. In the end I think it’s potentially better to not be rigid in your strategy always if you’re an active trader. Oftentimes, your original plan gets skewed just like how life usually is. You can’t go wrong taking a bit of profit, or cashing out if you’re satisfied. And even crazy high growth stocks can have some beautiful entry points. NVDA has gone up nearly 100% since April, after it dropped almost 30% in the 3 months prior. So even if you missed the immense gains before that, some made a killing just buying the dip on an already world-leading stock. It takes a mix of knowledge, usually experience, timing, a bit of luck and some blessings with a lot of patience to hold a long-term position that 2x’s, 5x’s or 10x’s. You most certainly will miss some huge winners, but the interesting thing is, even massive winners can create low entry’s to make substantial gains. It’s simple in theory to “buy the dip” but in reality it is mentally difficult. When markets tank, sentiment is bad and the news amplifies it. I think the people who make out like bandits the most are the ones that bought when people were the most fearful, and the market was horrid. And after, they waited for it to come back, even if it dipped more initially. I feel like if one could roughly: A) Find what stocks they want to simply hold and not touch unless necessary. B) Find what they don’t mind trimming if up a bit. C) Find what is strictly a flip and taking profit on that by a certain date. D) Set aside capital for buying on dips. They can probably do well long-term. It’s more appealing to some to make a living Day-trading, but most that want generational wealth over riches understands it’s hardly ever optimal compared to doing it the old-fashioned way. The biggest ROI of any Day-Trader is their online course, they invest a bit of time and sap ambitious but misled people of their money and to think the market is easy pickings. I guess my answer would be: You can sell, trim or rebuy stocks and if it’s for the right reasons it’s no problem if you miss some gains. If you’re involved in the market with the idea you’re going to do it for the long haul, proper strategy can yield immense gains if you can stay grounded. You will very likely not go from decent investments to rich in a year unless you take on massive risk. But, put away a little of your salary in the account, invest with intention and attention, you could grow it into enough to make generational wealth.
The best way to get rich is buying low cost etf funds like VOO VTI or VT and hold onto it for years and years and year
This is so dumb that I'm getting more regarded by reading it. Richard Branson plays tennis and goes windsurfing every day on his island. You think Jeff Bezos is miserable? The real flex is retiring early and traveling or doing whatever you want. The richest guy I know is probably worth 10-20M and retired at 58 to travel the world with his wife. He trades the markets and does whatever he wants every day. By placing ridiculous bets, you're actively ensuring you stay poor. Every day, you're giving your money to thetagang. I honestly think what I did will work for many people: buy SPY until you hit 100 shares, then sell OTM covered calls. Use that money and any new money coming in to place degenerate bets to your heart's content. Then you'll never be poor, and if you lose every bet, you've still got 100 shares of SPY and can sell covered calls. Rinse and repeat with QQQ, DIA, VOO, etc. I have a portfolio that generates options income that I can YOLO into whatever I want. Or just do the opposite of what OP says.
Your portfolio is a laundry list of expensive redundancies that directly contradicts your 10% return goal. Holding VTI, VOO, and VT is effectively buying the same assets three times; VTI already contains 100% of VOO, and VT contains nearly all of VTI. You are triple-dipping on the U.S. market while paying higher expense ratios for American Century and Putnam funds to select the exact same large-cap stocks you already own in the index funds. Mathematically, a 10% annual return is unrealistic with 30% of your capital tied up in credit and income funds like Brandywine and PIMCO. If that 30% yields a generous 6%, your equities must consistently return nearly 12% just to hit your portfolio target, which is aggressive rather than “moderate risk.” You are also concentrating 16% of your portfolio in four individual stocks that are already the largest holdings in almost every fund you listed. You have built a closet index fund with higher fees and uncompensated concentration risk.
Glad I don’t know how to do this. I’ll just sit on my VOO and QQQ.
I use CSPX from Blackrock. [https://www.blackrock.com/lu/individual/products/253743/ishares-sp-500-b-ucits-etf-acc-fund](https://www.blackrock.com/lu/individual/products/253743/ishares-sp-500-b-ucits-etf-acc-fund) Other popular alternatives are VOO or VWRA. They are usually Ireland domiciled. Singapore investors usually rely on those, as we pay taxes on dividends, but no cap gains tax.
benchmark the sp500 lol. $AMZN has underperformed BIG time against its peers in $QQQ $VOO. Literally horrible return...lol
Now do what you’d gain if you had $70k and went all in on VT vs all in on VOO with all dividends set to reinvest and added $100 to your position each month. And if you’re so bullish on QQQ, why not go TQQQ? The point of VT is to set it and forget it.