Reddit Posts
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
Ok. Ramp in hedges as your portfolio grows. KMLM, TLT, GLD. Then, when you approach your target; start siphoning high risk plays and leverage into VOO. My number is 2M an here’s how I’ll be allocated when I hit that: 5% speculative, 15% leveraged SPY (UPRO or similar), 50% hedge (TLT, KMLM, GLD, Cash, and 30% VOO.
If your buddy's looking at a 20-25 year horizon, I'd suggest avoiding individual stock picks and leveraged ETFs for the bulk of the IRA. Those leveraged ETFs are designed for short-term trading, not long-term holds (decay can kill returns). For long-term success, consider a core allocation to a low-cost total market ETF like VTI or VOO (70-80%), with perhaps a tech sector tilt via QQQ or VGT (10-15%) if they want some growth exposure. If they're genuinely interested in crypto, a small allocation (1-3%) through something like GBTC might make sense, but emphasize this should be money they're comfortable potentially losing completely. Remember: diversification is what builds sustainable wealth over decades.
Time to get sold on some fake meat stocks or be really boring and put a big chunk of that profit in something lame like VOO
Bro, get out now and put that shit in VTI or VOO or something
Love seeing all the RKLB love. That’s my biggest hold besides VOO
Google dividends are not free money. Talk to a Fidelity advisor on the phone. Sell assets to cover that loan. Don’t pay high interest. Buy QQQM or VOO on an auto weekly basis. Stop dividend hunting. Sell only when you have something urgent to pay for (like this high interest loan). That’s all investing is: spend less, invest more automatic. You sound young. Learn this early. Best of luck.
My parents brought 4m worth of whole life insurance 13 years ago. The amount of money we’ve paid in premiums we could have made a down payment on a 8 million dollar property. Don’t fall into the trap. Take the funds each month for the first few years and real estate or just put what you would have paid in premiums into VOO.
You can go the VT/VTI/VOO "safe route" and whenever it drops, think about how most everyone is "losing money" today along with you.
I don't think there's anything anyone here can say to convince you to change your mind, but you're operating on greed and that's why you're going to go to zero. You can't accept having less than a million dollars, but unfortunately the market doesn't care about your neuroses. But, for what it's worth, I will try. Please, put this shit in VOO. If you need to play with money, put 90% in VOO and play with 4k. If you can turn 40k into 1m (an easy 20x right?) you can turn 4k into 1m. You just have to do that same 20x, and then one more 10x. THIS IS EASY. IT'S WHY THERE ARE SO MANY BILLIONAIRES! MY BRO IS ONE, HE GOT THERE BY TRADING 0DTEs AND HIS SECRET WAS JUST TRADING ON MONDAYS WEDNESDAYS AND FRIDAYS. HE STARTED WITH 1K AND JUST GOT 6 10-BAGGERS. 6! THAT'S NOT MANY! YOU WILL HAVE NO PROBLEM.
I’ve been buying VOO in my Roth IRA and have started to buy some on Robinhood as well. Should I go more in one or the other? I’m 35 and not yet a homeowner. I’m new to investing so this might be obvious. Thank you.
good job on started in roth! add some on auto-deposit from your paycheck every month, if possible. Recommend ETFs instead of individual stocks. If you must play individual stocks, do it with like 10% of your portfolio, and put the other 90% in VT (total world stock index) or VOO (US top 500 companies)
Give me a good portfolio. Started investing 1 month ago. Here is what my portfolio is looking like. 37% VOO 33%BTC (bought a few of the dips) 30% NVDA I want to diversify my portfolio and have a couple ideas and have done a decent amount of research, but would like some education and suggestions from you guys and what is likely to drive the market in the upcoming years and why. I am a teenager so I have plenty of time to hold and learn. Thank you god bless.
You’re probably not inclined to take out 90% of it and gamble with the remaining 10% because it’ll slow down your journey to $1m. But if you’re worried about growing $4k to $1m, in lieu of blowing up the account somewhere on the way, then who’s to say you won’t blow up your account from $40k to $1m? Please take 90% out and buy VOO.
I would put 50% into VOO and 50% into QQQM.
VOO is high risk buddy. Calls are gambling. Don’t take advice from this guys
Personally i would put it all in a money market fund that can get you around 4% and dollar cost average the it into the market slowly. For instance every week buy $X of VOO or some other index tracking the S&P. Good luck!
yeah agreed. I would just 1) VOO and chill 2) Long term positions in high quality stocks
20% Nvidia, 20% Google, 15% Apple, 10% Microsoft, 5% Amazon and 30% VOO
VOO set and forget. Make sure you max out IRA
Im a financial advisor. Take your time. VOO may or may not make sense for you, especially given your concerns. I mention this as everyone here is telling you to buy VOO. Are you okay with market volatility? Do you need this money anytime soon? What if went down by 50%? Just some questions to consider
I would read on on r/Bogleheads which is a low cost index fund investment strategy. They have a section about [managing a windfall](https://www.bogleheads.org/wiki/Managing_a_windfall). Basic idea is invest in broad index funds like VOO (S&P 500) or VTI (US Stock Market). It’s largely a set it and forget it approach to investing.
I just found this site, but I already know the answer to this question. VOO
https://investor.vanguard.com/investment-products/list/etfs?filters=open Do ETFs until you're more comfortable with what you're doing. It also depends on your strategy. If you want your account to be more active I'd recommend hiring someone to manage it. If you're just gonna buy and hold forever then start with VOO. Just don't try to time the market. If it was me I'd do $5k a day into VOO until it's gone.
DCA into spy. DCA into SCHD. DCA into VOO DCA into QQQ for heavier tech exposure. Do 1K in each a week, 200$ a trading day
VTI>VOO only because VOO leaves out the small caps
VOO or VT That’s the answer
It depends. Some will just stick your money in a mix of VOO and Bonds while eating a lot of your returns in management fees. I saw a guy that had like 30 different ETFs in his portfolio from his advisor and he was under performing the market significantly. Nowadays you can do pretty well with robo advisors from major brokerages like Vanguard or target date funds. With that amount of money I'd check out several different advisors if I had to get one. Personally I'd do a mix of VOO/VTI and QQQM/VONG if your young and have higher risk tolerance.
Depends how much risk your willing to take? Me personally i would take 300k and put it into a less risky investment like VOO, take the 100k and have some fun with it, im not saying put it all on black but take some more riskier trades and see what you can turn it into. We are in a bull market so with the right choices you should be able to beat the average VOO return
If you are asking this question, then ETFs are the way to go. Especially VOO
High Risk = All-in META or NVIDIA calls Low Risk = VOO
I’m in the same boat (wanting to buy a house but can’t yet financially make it work without immediately being house poor) and I’ve decided one 60/30/10 split of VOO/QQQ/individual picks like GOOGL or crypto once it looks like a bear market is confirmed.
My portfolio is invested, a mix of cash, stocks and ETF’s. This was in my IRA, so I’m pretty sure I just reinvested those gains into VOO or SPY.
He's repeatedly said the best strategy for anyone who isnt a full time professional invester is VOO & chill.
Yes that’s how the market works? It crashes sometimes but you’re acting like tomorrow VOO can hit 40 and that it can’t ever recover.
VOO n chill (not that I ever would)
VOO is being propped up by the MAG 7. If he wants to set & forget, an index that tracks the entire US stock market(small, mid, & large cap stocks) would be better than one that only tracks the S&P500(only large cap stocks).
never too late to start, and can add more every time VOO dips 1% nfa
looking for some advice on the portfolio im building to buy a house with in 4-5 years time, not looking to get rich, just to make as much money without risking much, looking to dump 500+ a week in with these percentages: 40% VOO (Vanguard S&P500) 20% BOXX (Alpha Architect 1-3 Month Box) 20% QUAL (iShares MSCI USA Quality Factor) 20% SPVL (Invesco S&P500 Low Volatility) TIA
I created what I think is a safe and well diversified long term portfolio. Point out any flaws or oversights. || || |Asset|Percentage|Vehicle|Notes| |S&P 500|50%|$VOO|Ol' reliable| |High Dividend ETF|10%|$VYM|Value Stocks / Passive Income| |Developed Markets ETF|10%|$VEA|International Exposure| |Real Estate ETF|10%|$VNQ|Asset Diversification / Passive Income| |Gold ETF|5%|$GLD|Inflationary Hedge| |Bitcoin ETF|5%|$IBIT|Inflationary Hedge| |Speculation / Hedges|5%|Growth Stocks / $QQQ|Swing Trades / Hedges| |Cash / Bonds|5%|Cash / $BND|Cash & Cash Equivalents for buying opportunities| |Total|100%|||
I created what I think is a safe and well diversified long term portfolio. Point out any flaws or oversights. || || |Asset|Percentage|Vehicle|Notes| |S&P 500|50%|$VOO|Ol' reliable| |High Dividend ETF|10%|$VYM|Value Stocks / Passive Income| |Developed Markets ETF|10%|$VEA|International Exposure| |Real Estate ETF|10%|$VNQ|Asset Diversification / Passive Income| |Gold ETF|5%|$GLD|Inflationary Hedge| |Bitcoin ETF|5%|$IBIT|Inflationary Hedge| |Speculation / Hedges|5%|Growth Stocks / $QQQ|Swing Trades / Hedges| |Cash / Bonds|5%|Cash / $BND|Cash & Cash Equivalents for buying opportunities| |Total|100%|||
depends. what if you are in an accident/lose your job? Will family help out or are you dependent on yourself. six months of living expenses is probably reasonable, a year ideal. You could also put the ER cash in a brokerage money market. Max out your tax benefit plans and fully fund a Roth. look to open a regular brokerage account. I like Schwab but others are good too. VOO/VTI are safe for the longer term but add SCHG or QQQM to the mix if you want to be a bit more aggressive.
Just my 2c, make sure to read up and look at options! If you have spare dollars ETFs like $VOO are good. But if you just want to feel good about being able to move out might be better to do something that can lose value like the first comment i made suggests. Good luck!
But why diversify into 5 different ETFs when 1 etf is already diversified. If i would diversify it would probably be 30% VOO, 40% VGT, 10% meta, 10% google, 5% RKLB 5% SYM. The signal stocks is because I believe in them more and I want to have more weight in them
3/10. I tested your portfolio for the past 5 years and it would have done more or less the same as VGT performance alone. It’s an annualized return of 20%+ which is excellent compare to S&P500 at 15% over the last 10 years. All your performance comes from 2023. If you have one bad year, you go to -40%+. So all is good until it’s not. I would recommend to keep VGT as a significant portion of your portfolio, but diversify. Maybe VOO 50%, VGT 20%, VUG 10%, SPMO 10%, VXUS 10% (?)
I’ll stick your money in VOO and send you a nice quarterly reports about it for half what she charges.
Consider yourself lucky if their performance was anything close to the S&P500 the past few years. With skewed concentrated performance from a small number of stocks (Nvidia, etc.) strategies with more diversified ETFs have chronically underperformed. To answer your question, you can easily just DIY your own portfolio and go heavy into low-cost funds like VOO. The saved fees will compound over the years. At a young age without retirement looming, what you're paying for with a FA is to protect you from yourself. When shit hits the fan (and, it will, at some point), it's easy to panic and sell at the bottom. An FA would likely encourage you to not do anything rash and keep a long-term view. If you can have that temperament yourself, you'll do fine.
for now im putting most of my cash into high growth high beta stocks (mainly nvidia, meta, amzn). I can obviously put drastically more money towards VTI/VOO in the future when my income increases, but this is where im starting. Is that so "unoptimal"?
I’m not sure what your question is. A Roth account is a container that can hold different types of investments including individual stocks, mutual funds (MF), exchange trade funds (ETF), etc. One would normally buy index funds using an ETF or MF. Have you invested the $6500 that you put into the Roth account? Hopefully, it isn’t sitting in cash. If so, I would invest it in VOO for now. For 2025, you can contribute up to $7k into a Roth account. I would max it out with some of your leftover cash from your paycheck. Does your employer offer a 401k? Do they offer a match? If so, you should contribute at least enough to that account to get the match, since that’s free money.
Just put it in VOO or VTI and forget about it.
The fastest safest way to triple your money is invest it all in VOO and then wait about 20 years, on average.
I didn't say I disagreed. I corrected an error you made. If facts aren't important to you perhaps you should stick to VOO.
The past 5 years was phenomenal for gains, but being in VOO for 5 years vs being in their mutual funds for 5 years was the difference of about 40k.
When I canned my advisor and threw it all in VOO is when I really started to see gains.
You’re definitely gonna get some tickers/companies that are struggling…. Are they undervalued? Perhaps some but good luck deciding which ones. You’d be better off buying VTI or VOO.
did the market crash today or something? Why does it say today’s Volume for VOO is 0 and for every other ticker in the market?
not to belittle your $450k, but the odds finding an uber competent advisor is remote. Statistically most do not beat the S&P 500 overtime. Most Reddit readers lack the funds to engage in private placements. Simply buying VOO/VTI will beat most. If you’re younger tilt towards growth provided you have the stomach to handle prolonged downturns. Personally I pay for great CPA and check in with my Private Banker and an investment advisor provided by work to make sure we are on target but not for specific stock selections. I suggest “My529” which is Utahs plan. It has been consistently a top rated plan for years and I don’t live in Utah.
*> VOO and SPY are technically different enough to not trigger a wash rule according to the IRS, which surprised me* From what I have gathered, this typically would not trigger the IRS, but not sure what would happen if something else trigger the IRS and then they might treat this as similar. But that is just my opinion and have no solid evidence that is even the case. I know there are things such as *Loss Deferral Rules* in the IRS 550 Publication that typically only if your taxes are being audited for some other reason. And I am thinking this *VOO and SPY are technically different enough* might also apply the same way (IOW, I am far from a tax expert)
unfortunately there is no concrete source I can provide, it is moreso due to the ambiguity of the IRS. since they don't explicitly state otherwise it is assumed they are different enough to not trigger a wash sale. different expense ratio, different management, very slightly different weighting, very slightly different dividends. safe bet is to do VTI<->VOO like you said for 100% clarity.
VOO and SPY are technically different enough to not trigger a wash rule according to the IRS, which surprised me
>He would've doubled his money if he just bought VOO instead. This is true for like 99% of WSB gain posts.
Make a plan. Here is the plan I have with my nieces: every time they deposit money into their Fidelity youth account. Take 10% and buy VOO or QQQM. The rest they just leave in SPAXX in case they need to spend. Every once in a while they want to buy stocks in companies they like. No big deal. The habit you’re trying to learn is buy sp500 with an auto amount. They don’t have jobs, otherwise I would tell them to buy auto and weekly. But one day they will and I will show them that. What you’re learning is good habits. Spend less, invest more. Sell only when you have something urgent to pay for. That’s all personal finance is. Best of luck!!
People ditching their advisors all the time, go on doing things themselves, blew up their account because they got emotional on a downswing and turned out “VOO and chill” is pretty hard to chill when you are first born is turning 1, you are about to get laid off, property tax bill is coming up, and the account is 20% underwater because the president you elected is trying to wreck the global trade, you frantically sell some shares to raise cash and end up selling the shares lot that you DCAed in 2 weeks ago and pay short term capital gain tax on them. Studies have shown that even though very few money manager beats the market, people with a good advisor ended up with a lot more wealth than people without. Market return is a big factor in wealth building but it is not all. Telling people to just “VOO and chill” is like telling fat people to “just eat less”.
I own a lot of tech companies. One thing I do that you could consider it put a bigger percentage into VOO (in your case, into QQQ and VOO - or you could cut one of those). That way if tech completely collapses at some point, you won't fall all the way off the mountain. I think owning tech is GREAT, especially right now when we are on the verge of a tech revolution.
Google: VOO Vs VT Choose whichever floats your boat. Your financial advisor got you started, so you can thank her for that. Now you can row your own boat.
If you are going to buy ETFs, especially broad market indexes like VOO and QQQ, you do not need a financial advisor. You need a plan for how much to invest every 2-4 weeks based on your budget. Investing is best done as a steady patient habit.
First, you can easily stop using an advisor and will not lose your allocation (I think you know this). Advisors are great early on, for those with large portfolios, and those who can’t manage money to save their life. Think lottery winners for the last one. Second, all the other posts here are correct in my opinion. Except no money manager or widely accepted allocation strategy will “beat the market”. That is not the point of an allocation strategy. Also only about 10% of managers will beat over a 15 year period. So that should not be your expectation. As was mentioned, which Warren Buffet says, 90% in low fee ETFs and 10% cash (I argue if you are still contributing, that is your “10%”). VOO is cheapest, SPY is NOT expensive. Both are excellent choices. Some other great options were mentioned too. Those will match that market. While I won’t guarantee like some did, this is what I would have done knowing what I know now in retirement
You do not need a financial advisor. If you really want to bounce ideas around, ask any of the many widely available LLMs and cross reference their answers. If your returns aren’t beating the S&P500, then just invest in the S&P500. If you are on Fidelity, consider FXAIX or FSKAX for something more diversified. Put every dollar you have in that fund and forget about it. If you want to get more involved, then read up on stuff and adjust things accordingly. Many will recommend VT, or VOO, or their equivalents in Fidelity. You really can’t go wrong with a diversified fund. You are young so you shouldn’t really need to worry about bonds etc. You are literally lighting that 1% on fire. It is a total waste of money.
Yeah - I'd guess because there's such a high correlation between assets, because S&P valuations have a pretty high inflow from basic passive ETFs. So bad tech news - people sell VOO - index as a whole drops. Different from 20 years ago with more sectorial and active investing.
Your main issue is that VOO and QQQ are both already extremely tech heavy, then you added in even more single tech stocks. Given your age, high risk plays like this are probably ok, since you have a ton of time in the market ahead of you. But some diversification is probably not a bad idea.
do yourself a favor and put 80K in VOO and gamble with the other 3K to do it all over again
The question was how do i diversify? 1. Sell VOO and buy and equal weighted S&P index fund, that would help decrease tech exposure without you selling your tech. 2. Sell 20% QQQ and buy 2 other sectors you don’t have… best of breed -> Morgan Stanley? JP Morgan or even Goldman Sacs. Maybe Lamar for lame steady dividend and low growth or a pharmaceutical like Eli Lilly or Pfizer (if they ever do anything again).
Not to mention the opportunity cost. He would've doubled his money if he just bought VOO instead.
Buy VOO on an auto weekly basis. Whatever you can afford. Sell only when you have an urgent bill to pay for. Do whatever one off stuff you like on the side. But always have an auto weekly. Work to increase it. Have an emergency fund. You will learn as you go. But the foundation is the same. I worry that all the emphasis on allocation deters from the fundamental: spend less, invest more auto. Sell only when need to pay for something urgent. Do that for several years and you will see what I mean. Best of luck.
Your QQQ and VOO are already heavily tech stocks but also your closest thing to diversification. You could reduce some of the individual tech positions to increase those ones, thus keeping you tech heavy but also getting a bit more exposure elsewhere. But I think you’re fine either way, the bubble will pop at some point - but tech will remain the future and what people get the most excited about. Personally, NVDA is the one I’d deduct from if I were to do that.
Well bears keeping talking inflation whenever a rate cut mention happens but the market rallies everytime on the news. The market likes rate cuts and QE. It doesn’t actually matter the economy isn’t “good” or rate cuts will cause inflation. That’s been decoupled from the price of VOO
I have 80% of my portfolio in Google, it was an insanely good buy at $150 that I sold all my VOO for it. No regrets at all. Holding, never selling
That would mean that I trust them to time the market and give up whatever yield the cash pile contributes to their overall yield. I can see that argument of course, but it's not something I'm convinced of. I do think that cash is safer than any of these, but cash has a drag due to inflation. So unless I'm using that cash to consume something cool now, it's better in a bond or hysa if I'm fearful. If I want better than bonds, an index is my choice -- that's basically me saying " I have no edge, VTI/VOO & chill". If I want something riskier with higher potential yield, I'll go with BRK.
VOO, vanguard lowest internal cost and Tracks the SP500. Then have a side amount you 10-20% you buy individual stocks.
I sold all my VOO/HOOD/META at the literal bottom on Nov 20th. Still can’t believe it
No. TQQQ and QQQ are different assets. By the same reasoning, you can't use VOO shares as collateral for SPY CCs, even though VOO and SPY are both S&P 500 ETFs. The short QQQ calls will be naked shorts.
VOO and QQQM and leave it alone for 20 years. If both collapse, you’ve got bigger problems.
So what I did is I just sold all of my individual stocks and I just put the like 150$ back into VOO and like 20 here and there in to my other ETF’s. Honestly I also went to look into and buy $VT like you were talking about, but I couldn’t find it on Robinhood. I’m not shure if it was just because I’m slow or is actually isint in there but nevertheless I could not find it😂
You can be semi-rigorous with this pretty easily. What's your future expected value of Google 5 years from now? It seems you've got some hypothesis there. Let's say you expect it to grow 5% per year for the next 5 years - leading to a $408 valuation. What's your expected return if you sold your Google and bought something else? Let's just say you buy VOO and it grows at 8%, historical average on the safer side. Let's say you sell $16,129 of Google, netting you $10,000. Invested in VOO at 8%, you have 14,693.28 in 5 years. If you'd left your $16,129 in Google at 5%, you'd have $20,585. Let's say Google is flat for 5 years - so if you don't sell it you have $16,129. You'd need a rate of return of 10.03% to turn that $10,000 after tax back into $16,129. So your break-even scenario for selling Google is your other investment grows at 10% - that just gets you back to what you had originally. You can model this out pretty easily in different scenarios, but the math is pretty simple compounding.
|ETF Ticker|Name|10-Year Annualized Return|Notes| |:-|:-|:-|:-| |SPY or VOO|SPDR S&P 500 ETF Trust / Vanguard S&P 500 ETF|\~12.1%|Tracks the S&P 500; provides broad U.S. large-cap exposure with low fees.| |QQQ|Invesco QQQ Trust|\~20.3%|Nasdaq-100 focused; heavy in tech giants like Apple and Microsoft.| |VUG|Vanguard Growth ETF|\~18%|Targets large-cap growth stocks; balanced for long-term appreciation.| |VGT|Vanguard Information Technology ETF|\~23.4%|Tech sector focus; includes leaders like Nvidia and Broadcom.| |SMH|VanEck Semiconductor ETF|\~28-31%|Semiconductor industry; driven by AI and chip demand (varies slightly by source).| |XLK|Technology Select Sector SPDR Fund|\~20-22%|U.S. tech leaders; consistent outperformance vs. broader market.| As long as your return is over 12% yearly, your money will double in 6 years. So 300k becomes 600k in 6 years, 1.2M in 12 years, 2.4M in 18 years, 4.8M in 24 years. Obviously these don't get these returns every year, but their long term averages are above 12%. In 25 years, you should be able to turn 300K into 2M, which should be enough to retire on.
This is exactly what I currently do with a quarter of VOO in VXUS
Most of the single stocks you bought are in VOO. You might as well just buy VOO.
7k roth in FXAIX and the rest in a brokerage in VOO
Depends on how much risk you want to take on. You can't really go wrong with long term holding VOO/VTI, or if you want international exposure, some combo of VOO + VXUS/VEU or just VT
Just buy VOO on an auto weekly basis. Sell only when you have an urgent expense to pay for. Keep and emergency fund with SGOV for whatever makes you comfortable. Just know you are losing out to growth. Use international if you want. But you could build wealth with just VOO if you have the stomach for the swings. After a while of pure DCA you will realize it is all just noise. Add auto and weekly. It’s basically like a 401k with normal money. Or find a trustworthy pro. Best of luck.
VOO is up about 15% YTD. Not sure I understand this post.
I think anyone considering this fund is going to ask: how does TOPC far compared to VOO during down-turns? Ideally TOPC fares well when VOO drops. Here's the comparison over the past 6 months: * 07/29-08/01/2025: VOO went down 2.1% and TOPC went down 2.2% * 10/10/2025: VOO went down 2.7% and TOPC went down 2.5% * 11/12-11/20/2025: VOO went down 4.5% and TOPC went down 4.5% So overall it's pretty close, better one time, worse one time, and about the same one time.