Reddit Posts
38M Canadian with Defined Benefit Pension: Looking for Honest Criticism of My LongTerm Investment Plan
Trying to ACTUALLY understand what is happening with memory stocks; not asking for predictions
Are there stocks with 6%+ dividends that still keep pace on IRR overall with equity ETFs (12%+)?
Thoughts on auto-callable basket type instruments with downside protection?
19-year-old college student looking to invest for the long term. What would you buy in 2026?
21, recently married. Any advice for a new-ish investor like myself?
Build an ETF portfolio that could survive a crash
What do you tell people that are too scared to move out of cash?
A warning on how a stock hobby can progress
I am in digital marketing, and I just went full port into Google.
Retiring at 32! 23 year old saves 50% of income in nyc.
I invested in the market today
Liquidated all positions: Sitting on $1.2M cash for a 2026 macro restart. How would you deploy this for the next decade?
I have currently sold all my stocks and have $1.2 million in cash on hand. I would like to purchase a new batch of stocks to hold for the lo
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
ELI5: Why would an ETF like VOO or SPY outperform the S&P500, if even for a single day?
Never seen VOO down so much more than the sp500, didn’t even know this was possible
Would it be crazy to sell my NVIDIA shares (60) to buy into the DRAM ETF?
Is there any reason to invest in VOO rather than VOOG?
Need some advice on how to diversify and invest with a tight budget
Too much of my portfolio is from RSUs - how would you diversify?
I can't beat the market. I won't ever beat the market. After years I realize that now. It's VOO for me.
In 2023 Robinhood killed the chart that compared your portfolio to any stock you want, and called it "temporary." It's 2026.
If you were to invest $5000 today what would you suggest?
What actually causes swings in stock prices?
AI is disruptive. Individual companies have never been more volatile. What’s the argument to not just buy indexes?
What about VYM? That seems pretty immune to the shenanigans of the tech bros. You can't fake dividends.
I don't want ETFs, I want to invest in stocks.
What’s the best way to start a new portfolio. 24yo
If you’re young, increase risk until you are 100% you’ll hit your goal!
What is the best argument against a large cap Growth ETF?
Roth IRA Allocation at 18 - Part 2: Revised portfolio After Feedback
List of most promising stocks to hold over the coming 6-12 months?
Alright I got roasted before and changed up my portfolio. How does it look now after rebalancing without heavily investing in anything in a while?
I Looked at My Portfolio Today and Saw THE DEVIL HIMSELF in My VOO
I Sold All My VOO for a Concentrated NVDA Bet. Should I Have Just Bought Options Instead?
Why I think Berkshire Hathaway is the best investment right now
No, the spacex ipo is not going to tank your 401k
Advantages of having a CFP (fiduciary) managed portfolio vs. Self directed (all index funds)?
Thoughts on my Portfolio in the late 30s
What do you think of the growth section of my portfolio?
Is it crazy to have 36 postions across my retirements?
The "bull case" for SpaceX: re-running the Tesla dilution playbook?
The "bull case" for SpaceX: re-running the Tesla dilution playbook?
I have mostly VOO portfolio. What would be a strategy to exclude exposure to AI companies?
Aggressive Roth IRA at 18 – What Would You Change?
Hypothetically if you were holding close to infinitely, would VOO or QQQ be the move?
For those investing in S&P 500 ETFs (VOO/SPY/IVV), how have your returns been?
VOO Becomes First ETF to Reach $1 Trillion AUM, also: VOO bounced exactly at 700 a couple of days ago but nobody noticed
Dividend Stocks in Your 20s Worth It or Just Stick With Growth?
Sp500 - 100 years of changes - how significant is the mega ipo changes?
Sp500 - 100 years of changes - how significant is the mega ipo changes?
Mentions
VOO is always good advice, thanks
VOO should be at least 50% (like, forever) probably more like 80% though then save 20% for specs
There is a big difference between speculative and making bad investments. For every ‘winner’ in biotech there are 1000 losers and usually it’s not in the hands of the companies themselves or the technology but rather government regulations, insurance companies, or the abysmal adoption from service providers. The ultimate goal is to make money. With your son being young, VOO is the way to go because over time it will win out even if you capture the big wins.
It’s also been studied and proven, nobody beats the market. 100% in VOO for the long term would end up making more returns than this mess would even if he never panic sold.
VOO, QQQ, BRK, AMZN, GOOG are fine. IMO VOO should be larger even as a kid (foundational), woth the single stocks as satellites. The rest is a bit of a meme portfolio which I guess is not surprising. I made some dumb single stock investments as a kid too, but it was a decent learning experience 🤷 Also does he understand expense ratios? There are cheaper momentums so you keep the gains vs paying the fund managers. Momentums are great for tilt but this one costs quite a bit. Also something I didn't learn as a kid, selling decision should be made before buying, or setting a stop loss. Guardrails on the gambling. Sometimes that turned into a pleasant surprise, but more often than not, followed all the way to zero.
Thank you for all this. Well thought out. I'll encourae him to reduce the speculatives and increase VOO. Appreciate it!
14% in Latin America. 13% in biotech (I *work* in biotech and wouldn’t invest in biotech). Minerals stocks. This will absolutely perform worse than 100% VOO
* **QQQ 25%** I'd wait for a discount on this especially if it's in a tax advantaged account. This isn't an index you want to buy when it's expensive if you're not actively monitoring your account and willing to de-risk. Nasdaq has dropped 60% three times in just the past 30 years * **FMTM Momentum ETF 15%** This can become dead money in a bad market regime * **MELI MercadoLibre 9%** Latin America’s leading e-commerce, digital-payments, advertising and logistics ecosystem. 9% is way too big a position for a single stock with foreign currency risk. It also has to actually execute its expansion to grow into its valuation, which is anothe risk. It doesn't matter how well a company is doing or how big its potential is; what matters is stock price performance relative to your entry point. * **RXRX 7.5%** Uses automation, biological data and AI to discover and develop new medicines. Way too speculative and risky for this position size. * **BRK.B 7.5%** Dead money, period. * **VOO 6%** Way too small position size for a core index fund * **SOPH 5%** Provides software that analyzes genomic and clinical data for hospitals and laboratories. Way too speculative and risky for this position size. * **KRE 5%** Rregional real-estate markets ETF The entire world is having an interest rate problem and everything real-estate related is interest rate sensitive. Buying these only works if you time the market, I would pass * **MU 5%** Cyclical industry companies are ones to trade, not invest in * **NU 5%** Rapidly growing digital banking and financial-services platform across Latin America. Way too speculative and risky for this position size. * **AMZN 2.5%** Use this to buy VOO instead, Mag7 are not immortal. * **GOOGL 2.5%** Use this to buy VOO instead, Mag7 are not immortal. * **TRV 2.5% Insurer** Appropriate position size for this kind of holding but I wouldn't expect too much performance from this. * **MP Minerals 2.5%** Appropriate position size for this kind of holding but I wouldn't expect too much performance from this. Don't get me wrong, I don't worship the S&P 500, but this is not a well thought out portfolio
NEVER VOO ONLY SPX! TOMORROW IS NEVER PROMISED! Thats just my 2 cents
I really don't care about INTC. I just used to hold it and sold out after I made my 4x. Put it into VOO and a bit into cash which I deployed elsewhere later. I mentally checked the fuck out when I sold out of my INTC. Already mentally noted I won't be buying back in this cycle no matter what since I remember the 2000s cycle. Luckily for me I bought my INTC post-GFC and added during the post-pandemic lows so I only bag held it for around 1 decade rather than 2-3. Chips are like commodities and chip manufacturers are very cyclical. If and when the bottlenecks ease, the bubble bursts, and/or hardware buildout phase peaks, then they'll revert. I KNOW I can buy INTC in the future lower than I sold it because if you sold in Aug 1997 you could still buy it back at a discount in Aug 2025. VOO however rarely looks back. So yeah, enjoy your earnings. I'll be watching GOOG since I do own that one for the long term (been holding that one since the GFC bottoms too).
do you ever like take 1/2 out put it in your roth in VOO and keep playing with the other 1/2?
Probably worse than 100% VOO
OMG ….. That’s a recipe for disaster. He should just do 70% VOO / 10-15% VXUS / 15-20% QQQM or SCHG or VGT whichever he prefers of those 3
In this sketchy market. 3 years worth of cash as the buffer. Then 80% VOO, 20% treasures. After the next 30%+ drawdown occurs. 100% VOO + 3 years cash.
You're in a great spot, and your kids are lucky you're thinking this far ahead. The fact that you're worried about the savings rate is actually a good sign - it means you're being realistic, not just optimistic. And yeah, the feedback you're getting is right. XEQT already does the job. Adding VOO and SCHD on top just means you're making an unconscious bet that US large caps will outperform the rest of the world, which might be right or might be wrong, but it's not part of a deliberate strategy. Simplicity isn't just easier - it's usually better. Fewer moving parts means fewer decisions to second-guess when markets get volatile. At your income trajectory with a DB pension backing everything up, XEQT and patience will get you where you want to go. The hardest part won't be picking the right ETF. It'll be doing nothing during the next crash while everyone around you panics.
Honestly the plan is solid but you're overcomplicating it. XEQT already holds everything in VOO and SCHD, so adding them separately just means you're betting against your own base allocation without a clear reason. The 5% fun money for SpaceX and Anduril is fine, just call it what it is - gambling money, not strategy. The real risk I see isn't the portfolio, it's whether you can actually stick to $4K/month once the mortgage, property tax, and two kids' activities kick in. Life gets expensive fast. Run the numbers with the house costs baked in and see if that savings rate still holds. Other than that, you're in great shape. DB pension plus this plan means you're basically playing on easy mode. Don't overthink it.
The portfolio looks reasonable, but I'd ask whether VOO and SCHD are necessary alongside XEQT. Simplicity is often underrated. The real challenge isn't picking the perfect allocation—it's staying invested through market crashes
the commenter who said the interesting part is a full cycle nailed it. momentum as a factor has one famous failure mode, the momentum crash. at sharp market turns the beaten down names rip the hardest and the momentum book, which is holding last years winners, gets run straight over. spring 2009 and the 2020 march to april snapback are the textbook cases. a monthly 6 month lookback gets you in and out faster than a 12 month fund, but that cuts both ways, less lag but more turnover and more whipsaw in a chop. and this thing launched in 2025, so it has never been through a bear or a momentum crash yet. the shorter drawdowns you like are a bull market feature, not proof of the design. also worth being clear eyed that right now it is basically an AI leadership bet, you said yourself the book is full of AI names. that is not really diversification from your VOO, it is a concentrated tilt into the same leaders, so it will hurt most exactly when leadership rotates. i would want to see it survive one full cycle before calling the short drawdowns an edge.
>Buy semiconductors Nah, why buy semis when you can just buy VOO and MAG8? Also many semi names are still up massively from 1/3/5year timelines. INTC for example might be down over 30% the last month, but it's STILL up +140% YTD. There is no dip to buy here.
Also my wife was fortunate enough to inherit a good amount of money from her mother that passed. Not enough to retire but enough to pay off our modest house if needed. We have an advisor that manages that. I don't allow myself to give do anything to that. This account was a 401k from an old job. The only purpose of this account is to liberate us both from jobs so we can enjoy life before we die of horrible disease or the world goes to shit and we all explode, or climate change kills us all. You only live once, we want to be free. $1m and I'll stop buying options $3m and I'll just VOO and ride off into the sunset. $0 I'll just keep working and dying slowly inside like I would already.
Thanks for sharing your opinion. I held FUBO for a long time, got a great entry point (1,83$ pre-split), ended up a little bit in the red, but I still believe in it long term. I just sold everything and went VOO cause I became a father of twins and prefer investing my time into them rather than stock research, but definitly still believe in FUBO long term.
You could just get a part time job, dump all that into 50% Apple and 50% VOO, and be okay again.
I use one for my pension fund for my business. They manage around 10 million. It is dispersed into a suite of private investments and well a mix of public funds as well. The goal is to make a steady return, but never lose my ass because it could trigger the business to owe money in the pension fund. So, in short I use them for a steady return with great downside risk, something that VOO or a VTI cannot guarantee. In 2022 I was down next to nothing in my pension while my personal portfolio was -30%. That could be catastrophic in a pension fund. I would never have them manage my personal portfolio, too illiquid.
Also note this doesn’t mean VOO is bad it’s still an incredible long term fund but just I think after years of explosive growth we’re gonna see a decline
You’re learning the wrong lesson here. You can’t know when the top is in. You can’t time the market. You buy and hold long term. That way you will end up selling for a profit. Maybe switch to ETFs? I like VOO, QQQM, and maybe SMH. I’m: - 60% VOO - 30% QQQ - 8% SMH - 2% DRAM
Yeah hopefully the guy that runs VOO doesn’t fuck it up… no idea why everyone says to invest in them I’ve literally never seen a single one of their products
QQQ has the highest growth potential, but is the most volatile along with QQQM. I would stick with VTI rather than VTO if you’re going to put a small percentage in QQQ/QQQM because VOO has more overlap compared to VTI as it covers most of the market. You’re extremely young, which means you are in the best position to invest for the long run.
You were a proto-"VOO and chill" person long before VOO existed. I started with Peter Lynch's One Up On Wall Street which is more about identifying opportunities and I've always struggled with when to get out of a position. I've watched the roller coaster go up and back down more times than I'd like to admit. Luckily there've been a few set it and forget it companies in the big tech run up over the last couple decades that rewarded laziness. When I started investing before the Tech Bubble I was more interested in building gaming PCs and which mid-level CPU to pair with the best GPU I could afford but I know now that doing less of that and more chasing chicks and drinking would've been a nice balance.
I don't know of any broker that would report a short /es against any equity ETF as a constructive sale. The IRS has been vague about "substantially identical" and afaik - I have never even heard of a case where the IRS enforced wash sale rules when selling out SPY and buying another tracking index fund like VOO. Also - at brokers that I'm familiar - futures are traded in a separate futures account so the tax accounting doesn't take an equity and options account's positions when considering tax treatment. >Return-wise, they are quite similar no? No - because it's a derivative and factors like volatility and interest rates impact the pricing of the derivatives. You could do the same thing with a synthetic short using SPY options and it could simply look like a collar depending on how you construct it. And if you are really concerned about it - construct the hedge differently instead of shorting /ES contracts. You can always write an equivalent /ES call contract or similar spread to reduce the delta of your SPY positions.
XEQT follows 8400 stocks worldwide + VOO the SP500 so they don't respond to one sector
40% VOO, 30% QQQ, 30% VXUS and chill
that a shame kid... that's a damn shame... VOO and chill is the way
Don’t worry OP it’s only $1.3M or so you missed out on if you had just invested in VOO and let it ride for a few decades.
Full ported like an idiot into sandisk in November. Made enough in a short amount of time to pay off my student loans (still in school though so no need to do that rn) Withdrew the amount to cover my current loans + the next 2 years of expected tuition, left the rest of it in there. Took profits here and there and kept funneling slowly into XEQT. By the beginning of June my remaining position was $90k, withdrew all of that because I wanted to buy an m4 competition. Ended up not buying the m4 competition because I found out how much car insurance costs and threw it into XEQT and VFV/VOO. Short story: I just got lucky. And I’m realizing that now. So no m4 for me, and no building a habit of gambling. Just putting it into something stable and gonna invest passively into safe stuff.
So you'd take $4500 in SNAP shares instead of $4500 in VOO shares?
welcome to the stock market.... VOO and chill
Indeed, the plan is to take advantage of the cyclical cycles (until it is proven such company / industry is no longer cyclical) profit from the gain and hold onto liquidity while the market corrects over time in case of crashes, then reinvest into a safe index fund such as VOO until potential opportunities arises again in the semiconductor fund
Idk but I'm a normal VOO and chill investor and I'm up over +10% YTD and +0.26% over the past month. I honestly feel like I'm living in a completely different reality than the rest of this sub because I'm very pleased with the performance so far this year... Sure, since July 1 I'm down -0.96%, but did you see the other numbers? That's just giving back barely 2 weeks worth of gains.
Bro. Wisely would be throwing that into a comprehensive ETF like VTI or VOO even. This is wisely regarded. Stop before you become addicted and numb to the losses like I am. At some point, they become numbers on a screen.
Why does everyone think dividend ETFs are some investing cheat code? You sacrifice growth in your growth years for dividends you don’t need. Further, putting it in a whole market index fund like VOO or VTI will net you more ROI and you can pull out more at 4% per year than the dividends and Jeep having your wealth grow faster than you deplete it.
20 of my portfolio is VOO. I gamble on some options but with like 5% of my portfolio and no more than 1% on a single options trade.
June 2nd I was up 16% (VOO was 10.7% same day) and now I'm -11% 🤡 I set my port up perfectly to get hit as hard a possible by this slump lmao I had gold, silver, space, semis, memory, nuclear, Korean index, and a bunch of leveraged stuff I was convinced would pump back up eventually. ugggh why didn't anyone tell me diversifying into boring low volatility stocks was actually important (everyone everywhere told me it was important)
Why are you gambling? VOO and chill
Sounds like VOO and chill for you
Investing is a marathon, not a race my guy. VOO and chill.
Market has just gone straight down the moment I decide to VOO and chill. MB chat this on me
Just experimenting with small amounts to learn more. Most of my portfolio is in VOO/QQQ/AVUV, but my single stocks have been performing well and elevating my portfolio so far
It seems complex at first glance but it's not. Here is what I did... Opened a performance savings account at Capital One 360. This is where you put the emergency fund. Its just any normal bank account. Then opened an account on Etrade. Purchased VOO. That's it!
So basically if I wanted to pay off my house at 3%< I'd be better off slamming money into VOO or something for 5 years and then withdrawal when I have the lump sum?
I like it tbh. At 29, the risk reward on that is solid for the next 6-12 months. Imo, Worst case you “lose” 5-10% (which I don’t believe will happen). Best case, that grows 25-100% probably. Otherwise, VOO/VTI/SPYM/etf x and chill…
Literally just put it in SPY/VOO and you’ll outperform almost everybody on average
Not generally. But the people losing money right now are hedge funds and gamblers. It's hilarious watching them lose money. If you are greedier than VOO and chill, then you are basically asking for it IMO. Imagine looking at +75% over the past 5 years and thinking "nah, I can do better than that."
Just to clarify a few things: * You should compare indexes, not ETFs. We have historical data that goes way further back than the existence of ETFs. * S&P 500 has higher average returns than VWCE, but VWCE has better *risk adjusted returns* (balance between the returns and the volatility). Here's the historical data of S&P 500 vs. VWCE between 1970-2026: https://testfol.io/?s=7DX6cZyWEOO I suggest you turn on logarithmic scale, because it's much easier to see the differences that way. But returns are not everything. Currency risk a thing for non-US investors, and it's not something people talk about very often. American investors are completely fine investing into the S&P 500, because they earn in USD, invest in USD, spend in USD. Currency fluctuations don't affect them at all. But for us Europeans, it's kinda a big deal. If the USD becomes weaker (like it did in 2025), your investments will also be worth less, because you spend in EUR, not in USD. So VWCE is not only a way to diversify between stocks, but it also diversifies between various currencies. Other than that, markets are cyclical. If you look at the 2000-2010 period ([link](https://testfol.io/?s=6n1q01aLtyU)), you can see that the S&P 500 had a -8.78% overall return in that decade, while the global index had +17.01%. Between 1970-1990 ([link](https://testfol.io/?s=0bNMVaPssNM)), the S&P 500 had a 777% overall return, but the global index had 1153%. Of course, these are cherry picked examples, but it's just to demonstrate that something having a higher average returns over a long period of time doesn't mean that it's constantly going to outperform every single year or decade. TL;DR: "VOO and chill" is fine for Americans, but not fine for non-US investors. Pick VWCE (or WEBN if you're concerned about TER). Not because it has higher returns, but because it makes more sense.
There was never a bubble, this is normal market turbulence, if you love your family just buy VOO.
Let me tell you about this up and coming operation called VOO. Ignore what your brokerage says, it actually stands for Very Organic Originals
As of right now I am currently priced in at a fair stock value for both investments; ACB for MU being 582 and ACB for SMH being 501. So far I am up tremendously and see no need for withdrawing. If the market were to collapse due to the falters I would withdraw my gains as cash and hold onto it for the short term until the market re-corrects itself, then place my funds into VOO. If memory and semiconductors falter, the entire market will be affected I believe, so it would be wise to just hold onto liquidity at that point. As far as supply increases goes, it has been certified by numerous industry players that there is lack of supply and extreme demand for the next upcoming 4-5 Quarters. I don’t see it being an issue until the supply has caught up, which will take a couple years.
VOO is up 9.26% on the year. And, up significantly more over the past several years.
My VOO and Schg ETFs hold a large amount of Apple stock.
PLTR and VOO finally off the list today thank ze lord
Consider Fidelity FXAIX . It performs very close to Vanguard ETF VOO.
We’ll be on Tahiti with our VOO and chill We just need a little more money
Thank you for all of your advice guys, I’ve decided I’ll go full VOO, for now with the possibility to include about 25% of QQQM in the future as well.
VOO is a core ETF, so it need to be 50-80% off your portfolio. You can use QQQM to suppliment it at 20%. Even better, use XLK. 60% VOO and 40% XLK.
You expect VOO to do 12-16% yearly? That by itself is a very, very optimistic assumption but at a time when Shiller p/e is at 41x.......?
Did my part and bought 100 bucks worth of VOO ur welcome
Back to VOO and chill I guess. Going to take a nap now.
Genuinely might become a fucking VOO and chill Andy
VOO and chill doesn’t seem to bad
everytime i think MU will hit the bottom, it bottoms more. VOO and chill for now I guess
At 18 with a 10+ year horizon, VOO is the safer core. QQQM is solid but far more tech concentrated, making it more volatile.
Here is how the underlying QQQM index performed during the correction years of 2000–2022: * **2000:** \-36.11% * **2001:** \-33.34% * **2002:** \-37.37% * **2011**\+3.38% * **2018**−0.13% * **2022**−32.52% During 2000-2002 few people stayed in stock market. Most w/d from their savings. These are all volatile tech stocks that have gravity. Having a portfolio of conservative, growth and income still applies to reduce that volatility. VOO 85% momentum comprises of just 7 tech stocks. Rest 500-7 cushions the index w 15% balance. The hottest event this year is AI this and that. Short on memory chips for the servers. Now not so sure. Check the spectacular evolution of Sndk, Mu stocks.
80% on VOO and 20% on red.
Just choose VOO or VTI it doesnt matter much
VOO and chill might actually be the strat
25% all RSST RSB RSSY RSIT or factor tilt? I'm ready to start investing in the next month and i've done quite a bit of reading on return stacking versus a factor tilt ETF strategy vuilt around VOO and VXUS. I thought I'd get people's thoughts. I know it doesn't track, but I'm trying to go for a set and forget 15 year horizon. I know these funds are new, but the appeal is slightly higher (projected) upside with less voaltility because of the way these stacks hedge against each other. Any helpful advice is welcome.
Anybody with high beta or growth stocks and not VOO and Costco has lost 20-50% in a month…
Useful thing to know since you're torn between them: QQQ and QQQM are basically the same fund, same Nasdaq-100 index, QQQM just has a lower fee and share price, built for long-term holders like you. So it's really two choices, not three: broad market (VOO) vs tech-heavy (the QQQs). And "QQQM gave greater returns" is looking backwards, it's outperformed because tech ran hot, which also means it drops harder when tech turns. Picking the ETF that went up the most lately is the classic beginner trap. At 18 holding 10+ years, how much you keep adding matters way more than which of these you pick. What's making it feel high-stakes for you?
VTI is a fund that tracks all US public companies. It’s about as simple an investment as you can make - a bet on the US economy long term. It’s an investment so it can lose value but over any long term period (think 10+ years) it will make you money. You should look to only put money in here you don’t reasonably expect to need in the near term. Another option is VOO which is the S&P 500 fund. Not as broad as VTI but some people prefer concentration in the larger companies. The rest leave in a high yield savings account. Places like SoFi, American Express and many others offer rates over 3% for cash just sitting there. Good luck and nice job!
Well you would want to establish a an emergency fund first. At least 3 months but I'd recommend 6 months. That could be in a HYSA (Hugh yield savings account) and CD ladder. The remainder that you ideally don't touch for 10+ years can go to the brokerage. Its just an account where you can buy things to invest. In this case you would use your money to be a fund called VOO that tracks all the major companies. You can think of it as owning a small piece of all the common names (Microsoft, apple, Amazon, etc). As all of those companies grow, so does your money. When you want to access that money you sell the fund (hopefully for higher than you bought it originally).
So…. There are a whole host of funds with lower beta (measure of volatility) than the S&P 500…but higher returns than inflation. I’d START there. CLOZ - 10% CAGR Divo -12.5% CAGR SCHD - 12% CAGR Then when you get a bit higher, I’d put any money it earns into something broad and simple like VOO
Nice work Mom. Open a brokerage account and put it into VOO. Leave alone for 10+ years.
At 18, the boring answer is usually the good answer. VOO is broader and easier to stick with. QQQM is more concentrated and more of a bet on large cap growth staying hot. If you already notice yourself leaning toward the one with the prettier recent chart, that is usually a sign to choose the simpler fund.
/r/ETFs VOO, QQQ, VGT, SOXX. Everything is getting hammered, semiconductors even more. The sell off has been a while so I think we are approaching bottom. I don't know when the bottom is so I'm deploying capital bit by bit rather than lump sum.
All I had to do was play RuneScape and VOO and chill… but no, I had to buy Micron at the top. Now my wife and her boyfriend are drafting up divorce papers.
You mean passively without actively buying high and selling low? Learning new skills to increase take home pay and put more into VOO?
If the "CEO" has time for a 1-on-1 with an investor, and you aren't investing seven-figures, you have a huge red flag. He shouldn't have time for that. Odds are you're not getting that money back. I invest in pre-seed startups, I understand 90% of the time I'm lighting my money on fire. If you're not okay with that, you should stick with VOO and SPY.
On gambling and options etc? Since resetting yeah, but its small amounts my only decent size options bets that paid was running home when the first cruise ship was not allowed to dock during covid and buying puts on every cruise line and every airline lol. But I make like two options trades a year at this point. And the rest of the time I am just maxing out retirement accounts with bitcoin and VOO
Please go 750 QQQ once, I want out, then rip or dip, VOO for rest of the life
Create an account, add cash, then buy an ETF like VOO. If you invest $10,000, the cash is withdrawn from your account and securities are deposited, which fluctuate in value with every market trade. The Rule of 72 is math shorthand for calculating compounded growth, formula is 72 divided by the growth rate to determine time to double your money. Example, 10% rate of return doubles your money in 7.2 years. There is no chance your money goes to zero over 10 years in the S&P 500 unless America as we know it ceases to exist. However, your invest could easily drop 20%. Thus dollar cost averaging into the S&P 500 (VOO) is best approach. Invest $1,000 up front then $500 a week until you reach $10,000, then let it ride.
buy the ETF VOO for sp500 or buy VT for whole planet's stock market, then do nothing until you need some money, then sell some. The longer you wait the more it will grow, as the hundreds of businesses are growing each year and generally their stock price trends up over long term. real estate is also good investment if you are good at it Vanguard ETFs , like VOO, VT are simple, cheap, easy way to own many businesses
Do you think people in here have all their money in VOO?
The appeal of Vanguard index funds are that they passively track the market (the index part) and charge a very low annual expense ratio since there isn't a lot of overhead when compared to an actively managed fund. A lot of other firms offer similar products at similar or lower expense ratios so Vanguard isn't the only game in town for passive investing nowadays. There have been Vanguard funds that lost money and some funds that have closed due to failure to attract investors or performance issues. Those were more on the active side of the house. To my knowledge no funds have gone to zero. In order for VTI or VOO to go to zero, there would need to be some global cataclysm to wipe out the US economy and all industrial output.
VOO can't really go to zero, but if you had something else and everything you owned in an account did go to zero then you'd have $0 in the account but it would still be open.