VOO

Happy-n-Healthy

As a holder of VOO I'm I allowed to celebrate with all you Bag7 holders?

Evening_Hawk_7470

For the specific pairs you named, the differences are smaller than the discussion suggests. VOO versus VTI is large cap versus total market, and since total market is roughly 80% large cap by weight they track closely. FZROX versus VTI is a fee and portability question rather than a strategy one: zero expense ratio, but Fidelity proprietary, so you cannot transfer it in kind to another brokerage. If you ever leave Fidelity in a taxable account, you sell and realise gains. The more useful frame is that diversification is not the number of funds, it's what they hold. VOO plus VTI plus FZROX is one bet held three ways. The actual diversification decision is US versus international, and how much. On whether global still earns its place after a long US run: https://8figures.com/blog/portfolio-allocations/global-diversification-does-it-still-make-sense

Madsen13140

I should have listened to my mom who once told me when i was a child : " Just VOO and chill , let this shit compound"

flash-kicks

I’m holding these stocks until they go back up then putting it in VOO

Gorgenapper

What happens if you have enough VOO that it adds up to 1 MSFT?

music_is_gud

Depends. 1 on MSTR? A lot. 100 on VOO? Not at all.

Ok_Bad_7071

High debt and they haven't done anything exciting or different in years. Not to mention the economy is not good and no one wants to remortgage their house or sell their soul to take their family to the park. I got out and am glad I did. I took the money and put it in VOO.

123789dftr

I think the person who shouldnt be investing is you, the person who doesn't understand basic statistics and has purely anecdotal evidence. I said "revenue growth accelerated" AND "platform data (with the obvious implication the a total platform not your company's failing ads)". And revenue growth accelerating is absolutely platform data considering their whole revenue is pretty much ads. > Raising their CPMs and auction in recent reports without gaining significant new ROAs per advertiser nor encouraging results driven advertising spending is NOT a sustainable growth model. You seem to not understand basic economic price theory. Yes prices per ad is up significantly. You know what that indicates? The ads are more valuable! If they weren't getting requisite ROAS, they would simply scale down meta ads budget and prices wouldn't increase. This is all on top of the fact Meta tracks performance internally. If their new models were performing worse, they could simply revert back. But they're not! Considering you don't understand the very basics of pricing theory and can't separate anecdotal data points to the overall macro view of the company, I'd recommend you just stick to VOO buddy. Maybe focus a little bit more on improving at your job instead of blaming Meta

ArthurDent4200

My advice would be to make a list of etfs that fall into different categories of investments, look at their historical returns then split the total amongst 1, 2 or three of the category types. I like VOO myself btw, but you need to find your own path. A decent source of categories as well as recent histories can be found by googling Callen periodic table. It sounded odd to me when I first heard about it and it has nothing to do with the periodic table. Good luck on your mission, I hope you find it fulfilling.

Federal_Radish_1421

Jesus told me VOO and chill.

WishPractical8469

VOO

Sea_Buddy_2956

Open an account at Schwab or some other broker. Toss all 15k into some low fee index or total market ETF like VOO, VTI, etc. Tick the option to reinvest dividends, and just let it sit. The S&P 500 has a very good chance of beating any CD or treasury investment option in the 2 years you'll be gone.

JoeRidesBikes

Are you going to need the money in two years or is this for retirement? If you need the money when you get back, put it all in an HYSA, CD or SGOV. If it's for long term investing (retirement) put 100% of it into VT or VOO or whatever index fund you desire. What is the money going to be used for in two years? Start there.

winterrules91

VOO and chill

option-trader

And VOO with its 10% gain is perfect, because the risk on that position is very low. Now, the regarded Leopold didn't play low risk trades. He used 400% margin buying high beta stocks increasing the risk. For that kind of risk, you should not be looking for a 10% gain, or even an 80%. Why? Because of exactly what happened to him. That's the stuff regards on here do, and at least most of the ones in here to knows how to lock in 1000% profits when they see it. Leopold hit the gains and didn't have the experience to adjust his risk. He's playing like he was still only investing $5 when he should be looking at adjust risk on a $100 account.

Ok-Adeptness-5834

You don’t think 500% returns is good? What are you getting? I’m here happy with my 10% annual VOO returns.

Madsen13140

VOO and dick pillz

violet_evergarden8

Is there a 10X etf for VOO?

Paul_Robert_

$VOO 💀

Refflmania

what percentages do you do into VOO/VUG respectively?

usa_reddit

The market is a big game based on "greater fool theory" and retail investors are insignificant to the marker (as far as I can tell). Our only use is to feed HFT high frequency trading computers, where our stock is bought and sold 1,000 times in a millisecond each time we make a trade. It is tough to outperform the big ETFs like VOO but with AI and a human brain I now think it is possible. What can AI do? AI can quickly scan the global news and give you potential impact on the markets. It can also scan the market and tell you where money is rotating. If you synthesize all the information you receive into an investing thesis AIs like perplexity can really help and tell you when you are betting against yourself and how to potentially rebalance to hedge on risk. AI can also help you identify "fat pitches" like Microsoft last week and momentum trades where you get in out on the same day. I don't think you need to trade everyday to make big gains, but you need market summaries and news summaries that validate your investing thesis to make sure you thesis is on track. For example, Middle East peace would invalidate an energy thesis. Also, you will find things out like California is working on getting half of it's electrical power from solar and in response to national security threats the FCC has banned all Chinesium invertors (the things that make solar panels connect to the grid). Personally, I want to get into the 20+% annual return club and right now I am beating all three big ETFs but they are hot on my heels. My advice is to figure out your investing strategy so you aren't thrashing and all over the place. Use AI to help you with situational awareness in global events and finance news. Monitor it daily, I shoot for lunchtime. Try to wrap up your trading day by 2-2:30 because the market can often drop quickly at the end of the day, I am assuming it is people taking profits. Help AI identify fat pitches. Don't feel like you have to do something, sometimes the best thing to do is nothing and wait for the opportunity. If you must do something in put in lowball bids and try to catch drops in after hours trading. I haven't moved into options trading yet but it could be on the horizon. Here are the numbers for the BIG ETFs YTD August 2 VOO YTD 9.29% DJIA YTD 8.45% NASDAQ YTD 9.20% If you have any other ideas please let me know. I am looking at setting up OpenBB, but have no idea what to do with all the data or how to filter what is important. I am going to either find a class or have AI tutor me. Best of luck, we are all in the same boat if it makes you feel any better. We all feel the pressure of running out of money in the USA while our government continues to spend like drunken sailors and slash programs and subsidies.

Consistent_Laziness

The wrong kinda compounding am I right? Seems they have regrets that show their thesis to be incorrect. OP states I can’t get wealthy (wealthy to me is 3-5 million.) with simple investing. Yet he acknowledges if he had started sooner compounding could have taken ahold and made him wealthy. You are correct, I noticed it too. I’ll continue to stay away from stock gambling and buy my VOO / VUG.

__redruM

> Here's the problem, I think. If you want to get wealthy, slowly compounding likely doesn't get the job done. 15% a year is what we’re currently getting from VOO isn’t slow. It’s building real wealth for long term investors. It still takes years but does work. > Rather than AI edit this, I'm going stream of consciousness and I'll try to structure this somewhat. Why not make a clear concise point without rambling AND without having AI turn your rambling into a huge wall of text.

sharp315

firstly, VOO and VUG are not all that different. if want some type of growth play behind S&P index then I would say research some options instead of VUG. in terms of allocation, put your expected higher return investments in your Roth as earnings there are tax free. thus it would make sense to put VUG or whatever your growth play is in the Roth and leave VOO in your taxable account. the other thing to consider is to actually not sell any VOO for your rebalance and instead build your 20% allocation from new contributions alone. that will save you some tax drag in your taxable account over time if your portfolio keeps expanding then you may grow beyond your Roth in which case you would continue funding your side 20% allocation in your taxable account or a traditional IRA if you have it.

m-fasciano

I only started investing about a month ago, so I'm still learning. I decided to go with Vanguard FTSE ETFs: **VHVG** (developed markets) and **VFEG** (emerging markets) rather than the S&P 500 because I wanted broader global diversification. Reading this discussion has me wondering if I made the right choice or if I should be considering something else, like VOO, RSP, or another ETF altogether. For those of you with more experience, do you think VHVG + VFEG is a solid long-term strategy, or would you suggest a different approach?

Afraid-Policy-3648

didnt u guys promise to go VOO and chill if you broke even on semis?

sonofalando

VOO to $700 next week.

ProdigyCorp

At 22 with $15k in VOO and QQQM, you’re already way ahead. Anyone telling you index funds won't make you wealthy is confusing getting rich quick with building real wealth. ​Index funds already hold all the megacaps like Nvidia, so you get the upside without the single stock risk. Put like 90% broad index funds and play with the remaining 10%. If a stock crashes, you won't ruin your future. ​Your not being too conservative. Keep putting money into VOO and QQQM, focus on growing your income, and let compounding do the work.

Key_Category_8531

Thing with Nvidia is that the massive run up kind of already happened. You may get better returns in the long run with just VOO at this point, but idk

Fauster

For me, I hate seeing huge theta bleed/day. You probably do too. When you see it, ask if your durations are too short. If you have diverse and layered ST (45 DTE is ST for me) spreads, you will have theta bleed jump at out at you from somewhere all the time. Fuck that. Another consideration: When markets are are on fire and your core is skyrocketing, greed starts kicking in (for me and probably for you). You think: the only drags on my portfolio are my VOO/dividend stock/SPY barbell and my bear put spreads. You thought you wanted convexity, but that convexity is hammering you. The greed dimension, the theta-bleed convention, the cost-per-day convention all tell me to get the F away from ST options. And again, the biggest reason I hate them is because I hate fighting the MM. They have so much money, they can pin the price where they want. I can't. The Gambler's ruin paradox/Kelly criterion is at the center of the way I think about risk. Affordable risk management is at the center of how I personally think about my portfolio. I've sold awesome stocks near their bottom when I tapped out due to emotion, not reason. I don't want that. When you buy ST convexity, your are more vulnerable to freaking out over the volatility of parts of your portfolio. You are more vulnerable to the quant algos, you are more vulnerable to the MM. You are more likely to enter a crowded space at the wrong IV. In a huge rally, your super LT spreads won't implode to zero in a few days. But, absolutely, it is great to test a diversity of strategies. Don't take it from me, learn from experience. Open ST and 1-year spreads at the same time. Come back 45 days later and get a real feel for what happened and why. The reason you have bear spreads at all is to manage risk. If you want to pay a lot because you only need insurance for 45-days and are willing to pay more for it, then you have much more confidence that you can predict exactly where markets will be in the near future than I do. The max drawdown of SPY each year is around 13-14%. The beta of a very scary but very tempting stock like SNDK will waver between 3 and 4. That means an AVERAGE 50%+ drawdown per year. Note that I am preoccupied with the question of whether HBM or nand is more sustainably convex.

OkIndependence6227

put it in VOO and chill

glimsky

RSP is okay, but it bets equally on good and bad companies. I'd say it's better than VOO right now, but I wouldn't pick it over something like DGRO ou SCHD.

lanimatran

Cant believe I'm asking r/wallstreetbets but where is the fault in that logic? It has historically outperform VOO, even the "momentum" methodology has been around for longer than SPMO has, and backtest to a certain degree also yields higher than average return. Like OP said, just a very long period of underperforming with some periods of extreme overperforming.

VoidMageZero

Yeah that’s what I’m doing. Not selling VOO because then you have to pay taxes but shifting my DCA into RSP more. Plus if the market drops and you want to be more aggressive then you can just go back to VOO. It’s basically like the same idea of going into an international fund, you’re still aiming for equity growth but with less concentration and volatility. If you look at the long term charts you still get decent growth but lose less if the market drops. In the past year RSP and VOO are within like 1% of each other.

bask_oner

I’ve owned RSP for more than 15 years. It was sold to me back when it was common to have brokers and ETFs were starting to look better than mutual funds. The broker pitched it as a smart play because fee was lower than mutual funds and why should market share dictate amount of investment. This is the same guy who told me to buy AT&T over TSLA about a year after IPO. Thankfully I only took his advice on RSP. Just go buy VOO on Robinhood.

VoidMageZero

Yeah I starting buying some RSP over VOO recently, it sends to be inversely correlated on some days interestingly. Does seem like much better diversification imo without giving up too much yield especially this year.

ignatious__reilly

Damn……..they offered him $1 Million? Just take that shit, dump it into VOO and move on with life. Jesus.

GruntledV8Fanboy

I have VOO, VIG, and VIGI as well as SCHD, QYLD, and QQQ. I’m not saying what you should or should not do or choose, those are just included in my portfolio.

Jealous_Bookkeeper20

Sitting on 35% cash while holding 8 to 10 blue-chip tech and defensive stocks creates an interesting look-through dynamic. Since broad index funds like VOO already carry 30% to 35% mega-cap tech concentration, picking those same names in your individual bucket mostly doubles down on the exact same growth beta. Your 27% annual run over the last 6 years worked because mega-cap tech crushed the broader market, which overcame the drag of holding over a third of your capital in cash. The real test for active selection comes when tech doesn't carry the load and cash sits idle.

orcassharks

My long retirement fund mostly in SPY and VOO didn’t even blink.

Extension_Diet4064

If the explicit goal is weighting heavier into mega-caps without picking single stocks, VUG does that. Just be clear on the look-through overlap. In an 80/20 VOO/VUG setup, your top 5 holdings (NVDA, MSFT, AAPL, AMZN, GOOGL) make up over 27% of your portfolio. If tech multiples contract, that tilt doesn't protect you from drawdown depth compared to a simple core holding.

Cruian

>for a little more growth tilt Are you aware that factor investing theory would not favor "growth" (or going large cap only) at all? Just the opposite in fact: small and value. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side Also, what about international? >I thought that I could do 100% VOO in my taxable and then in my Roth allocate that so that the combined allocation is 80/20 but eventually I will max out my Roth and keep putting into my taxable so wouldn’t that just dilute my VUG position ? If you only hold VUG in the IRA and get to the point that you can't maintain your target 80/20 ratio because the IRA limit is so low and you'd be overflowing into taxable, correct, a 100% VOO taxable would mean every dollar added there brings your further from your target. >Should I just do 80/20 in both accounts or should I do 100% VOO in Roth and then the rest in taxable. I can’t seem to wrap my head around how to get it as close to that split as possible. Mirroring is easiest, but if you wanted, you could do the IRA as entirely one thing and use taxable as a mix to achieve the target ratio.

shortking4

This is pretty much my strategy at this point too. I've realized that 9/10, the market is right and it's very rare that it's wrong. That said, there's usually 1-2 opportunities every year where the market is down on a certain sector and throws the baby out with the bath water. Those are the opportunities to strike. It's likely true that there are some secular headwinds and less profitability for a lot of those companies. That said, even if growth/profitability is genuinely lower, the market may oversell so much that now the lower growth rate is either at a favorable valuation or there's a chance for outperformance if the headwinds pass. Those are some of the best moves I've made in my investing "career". To me, investing comes down to: 1. Understanding the potential for asymmetric bets when you think the market is wrong 2. Managing risk so that one bad position or a general downturn doesn't wipe you out In other words, it's calculated risk-taking. I'm of the same mindset as you where I've realized I don't really need moonshots. If I can reliably compound at \~12% over the long run, that's much better than getting lucky with 1 5-bagger and underperforming on all your other positions. At that point, just buy $VOO and be ready to buy more when the market corrects.

Gloomy_Surprise2040

Now put it in VOO.

Middleclasslifestyle

The YouTube channel that explained it best to me when i had zero knowledge was Pandrea Finance. Look up his videos about selling options and the wheel strategy . Also look up the subredits called coveredcalls and thetagang Because you have alot of capital now you can actually run the wheel on one of the indexes like SPY or QQQ which is generally safer vs doing it on individual stocks. you can open up a charles schwab brokerage account and use their thinkorswim web version to paper trade selling options. You can set the paper trade account to 75k in capital to run a simulation if you were using your real money. Honestly I would learn about it first. And paper trade it first . Even if you decide against its just good to be more knowledgeable about the way things work Or the best advice. Park that 75k in like VOO and chill

Extension_Diet4064

Adding 20% VUG on top of 80% VOO doesn't give you true factor diversification. It just doubles down on top-heavy growth beta. VOO is already market-cap weighted, meaning the top 10 mega-cap tech stocks drive roughly 30% of the entire index weight. VUG's top holdings overlap almost completely with those exact same mega-caps. You aren't adding a distinct factor exposure like momentum or small-cap value, you're just concentrating your tail risk into the same mega-cap growth names you already hold in VOO.

Background-Hat9049

Well, gold can’t really go Parabolic. It’s hindered by the fact that it never really compounds. An ounce of gold will always be an ounce of gold, even if you let it sit for 10 Million years. A share of VOO on the other hand, if allowed to compound for 1000 years, will be worth a number I can’t identify

pr0prfkt

And you should be aware if your choices lead to constant selling, you’re probably investing wrong to begin with. VOO and chill exists for a reason.

Academic-Ad7090

VOO and QQQM are excellent picks for ETFs. You are very young and have lot of time to compound your savings. My advice would be to focus on increasing your earnings from your primary income source, save a certain percentage depending on the stage of your life into these ETFs every month, forever. If you want to slightly diverse exposure outside of large cap & technology, consider similar index funds covering other sectors. That should be good enough. Don't think about individual stocks or even worse, options trading. That's a lot of stress which takes away your focus from your life. Just excel at what you do, improve your income, save some and enjoy your life! P. S: For those suggesting individual stocks or searching for the next big hit, think about it, the index funds adjust their portfolio to include those best stocks and leaving out those underperforming ones for you, for a very small fee. Go through the list of stocks in a fund like VGT over the years, the set of stocks which form the fund keeps changing. Why spend a lot of time to read charts, pick stops, manage stop losses, tracking target etc for that extra few percentage gains when you can use that time to spend with your family or do stuff you love. Life is short! But if you say you love doing stock picking then do it by all means but it might not be suitable for everyone IMHO.

Bitter-Refuse-8623

This is my plan , at a minimum 20% of gains reinvested in VOO, SCHD, ARCC, CUBE , and I shares ETFs

Dear_Effective9745

I see this comment quite a bit. My current strategy is SPY shares and chill. Then once I’ve accumulated 100 shares, I plan to sell covered call options on them daily. VOO options are weekly and less valuable, which for my long-term goal, eating the extra expense feels worth it for now especially because distribution still offsets the expense. Thoughts? I’m assuming OP is talking 0DTE option purchases, right?

horesebeblind

God is sending you a message Skip the advisor and VOO and chill

CalebVanPoneisen

VOO and QQQ Why should I take risks with a billion dollar? I’m already rich af.

steady_compounder

Honestly the next step is probably just building the habit. VOO and QQQM are a fine start, but the bigger win is contributing regularly and not turning a retirement account into a constant stock-picking project. You can lose money in the short run, but the point of a Roth is giving the portfolio a long runway, not judging it month to month.

nordik1

i’ll do anything to get back to evens i swear i’ll VOO and chill 🙏 😔

PsychologicalDay2852

Hi! 20F in California, just started making real money for the first time and just started investing. I have a CD that expires next month and i’m deciding what to do with the money. Would love some advice from someone who knows very little about investing and didn’t come from a family that invests. Current breakdown: -Around 2000 in checkings -15000 emergency fund in savings (ever bank HYSA, just opened last week. this was in the same bank as my checkings before. i’ve probably lost a couple hundred on inflation on this the last few years). I put 70% of my paycheck in here. I’m making good money ~4000 a month at my internship, but that’ll slow to around 500 a month soon, untill I start work full time again fall 2027). My 500 all gets spent on basic living expenses. -45k in a CD (grandparents inheritance, sitting at around 3.40%. it seems silly that a hysa makes more and i’m putting so much into this CD and using it as my main investment. i’ve had it for 2 years and put all the interest last year back in. i’ll eventually use this money or a house down payment or car but not in the next 5 years) -Almost 2k in Roth ira (opened last year at around 1000, been putting in 50 a month, has been making like 2 dollars a month interest) What’s next: So, the CD expires next month. I’ve done some research I think i’m going to take 7500 out and put it in my Roth, leaving me with about 37. I’m thinking about putting 17k of that in a brokerage account with Merrill. That’s the investment i’m most scared of! The other 20k will go back in a new CD. What do you guys think of my plan? I’m most scared of putting 17k in a brokerage. I don’t know much about Merrill’s plans, but that’s where my CD is now. should I self manage it? I’d just buy common ETFs, maybe 75% VOO and the rest i’d invest something like VXUS to diversify. Biggest expense in the next few years will be rent! Right now living at home still and commuting to college. Looking to move out next year. Am I making a dumb decision? Help!

browhodouknowhere

For example I risk 40k to make 8k....but I sell puts at strikes I'd like to own the stock at Example: sell BE <120 day put at 200 strike exp 11/20. I use ai to run multiple models every week to to challenge my thesis on the ai build out. It continues to return 195-200 valuation (relative base case) So I wait for best premium sell to open or roll to a later date. Realize I have a a little more than 400k portfolio, have 300k in broad market etfs, >53 k in Schwab money market, and only actively trade a 50k sleeve. I take profits and buy VOO, put ETF payout into Schwab checking, take out taxes and let them sit in my MMF I never over leverage my sleeve. I run the wheel (option strategy), compound with VOO, generate fcf with jepq/ryld, dry powder with mmf, and day trade 50k with options

xGuardians

OP, please check your realized gain loss. I noticed you closed a large gain on VOO. Make sure your losses offset those. Remember, if you sell and repurchase within 30 days, it’s a wash sale. Would hate for you to have a fat tax bill on top of losses if you fail to recognize appropriately.

TheBlackBaron

You can also day trade with shares? That's why the much higher volume is relevant. If you're just looking to passively invest in an index then yes VOO's lower cost is preferable (although you should be investing in a total market like VTI instead of just the S&P 500).

CharmingThirdTime

But that person seems to have shares- why would someone looking to invest in an index fund choose the Spy ETF over the VOO etf?

RedEgg16

This post got recommended on my homepage so us VOO normies are here.

TheBlackBaron

SPY moves virtually identically to VOO. Day traders prefer it because of the much higher volume and options availability, not because it's more volatile.

tta82

Nonsense. VOO is a simple insurance to be a millionaire at the end of work life.

Good_Ride_2508

These two (VOO & QQQM) are best ETFs. Just buy them periodically, weekly or monthly whatever timeframe you can, and see after many years. Yes, you can go divdiedn reinvest with VOO and QQQM. This is good start. Good Luck.

FreeSugarOrSugarFree

Yeah… you’re right. Going to sell half and throw it into VOO/VTI. Brutal half of the year for me but my god did this make up for it. Uncle Sam will probably fuck me.

Slooogan

I work in substance abuse treatment. I just had a game changing idea. I’m going to open up a inpatient rehab for traders where you can only buy VTI or VOO for 30-60 days. And exposure therapy were your forced to watch people trade 0tde QQQ options. 💰

Due_Marsupial_969

Also problematic is the fact that it's not something the market doesn't know. Guys like me aren't exactly balls deep in these hail Mary stocks cuz I think AI and tech will not be printing money versus QQQ or VOO or BAC in 5 years.

Rocketboy1313

I never buy individual stocks in my IRA. As an almost silly game I have invested a small amount in more than 40 ETFs. Because I find that funny. Most people who are less whimsical than me would likely reccomend just putting all your money in VOO. Do that.

Mundane-Plant-6489

You’ll bounce back bro, but stop gambling I’d advise either picking a few stocks your strongly believe in with decent fundamentals and just adding whenever you can but focus on on your living expenses and bills first, or full port a solid ETF like VOO while you slowly build up then once you have a decent sized port and you want you gamble do so but with only money your willing to watch go to potentially nothing. People investing now have a false preconception of getting rich quick, don’t get me wrong your road to financial freedom is quicker with stocks and playing smart but it’s not a get rich quick. Accept growth will be slow and stop fucking with options until you can sell them stop buying em. Sell puts, sell calls run the wheel or buy leaps that’s as risky as I’d go fr.

RedEgg16

From now on, VOO and chill for the rest of your life

Happy_Stand6826

no, it's actually some content creators that are transparent about their portfolio that suggested to invest in safe etfs like VOO, QQQM, VXUS etc... was i lied to this whole time lol

Happy_Stand6826

VOO, QQQM, and VXUS. this is for my roth ira & hsa. my brokerage account has those 3 as well, and SCHD but i stopped investing in my brokerage for now so i can max out my roth & hsa.

RedditLeagueAccount

\> This isn't true at all, as taking the longer view shows that it is horribly unreliable to judge future winners off what is ahead at any given point in time. Your same methodology done 5 years ago would have resulted in the completely opposite conclusion than what you're saying at the start of this comment chain even when using the same start date. I agree but it's hard to convey unless we are jumping into a call for a debate. I am not saying to ignore old data. We are both jumping into graphs from different time frames to demonstrate and I love that. This is the best approach, be data driven. My point in not weighting it as heavily is more along the lines of - if you are looking at data from 30 years ago, they are using an entirely different tech base and market compared to data from 10 and 5 years ago. There is no scenario where I would invest in a stock without reviewing the 30+ year data. But I would also be looking at the modern scenario to see what changes. Right now, in the past 5 years, we can say tech stocks have grown exponential compared to everything else for example. The old historical data isn't going to reflect these opportunities, risks, or realities. You would need to be reviewing current trends to make a decision to take advantage of that growth. You would also need to have the ability to see when the market will snap back in line. That is all recent data that you have to weight now, over historical data. We may or may not be in a AI bubble right now. Our investment decisions have to be weighed heavily by this current data. \> They don't need to go out of business to simply under perform. Correct. But if they drop, because they are currently driving the market, the entire market drops. However, these options are likely to avoid going out of business, which means they will recover. If you are near retirement, I agree this isn't the best option. But, these stocks are likely to stay and recover. \> Try again: Most of the 2010-2021 period had VTI beating VOO. Look at the graph and see the VOO line underneath the VTI one at plenty of points in that time frame. If we change the graph to show that time frame 2010-2021 [https://testfol.io/?s=8MTzu5mZX26](https://testfol.io/?s=8MTzu5mZX26) We have a .13% difference on CAGR. We have under $1000 difference for the money used which is like 1.3% difference right? Again, not saying your wrong. just the performance most of the time is close enough to make no difference. The cumulative return has a bigger differential in favor of VTI 321% vs 315% but again the graph is near touching with the 1000 dollar difference. I upped the amount a few times to see where there is a significant difference and you do start seeing it when you hit 200K IMO with a 10K difference. I started expanding the time frames (Back in time, so ignoring the recent VOO spike and keeping it to 2021). **You are 100% correct. I am wrong. VTI seems to be winning in most time frames if you ignore recent data.** So the question is whether VOO will keep it's out performance up which is reliant on tech which both VOO and VTI have but VTI has less. \> There's plenty of times where market favor is with smaller caps, not in the S&P 500. As the links here show, long term smaller caps have beaten large 100% agree. My only small cap concern when giving investment advice is I think it is more volatile so it is harder for people. There are small cap out performance cycles. For slightly advanced investors, I'd honestly prefer people split between large, medium and caps as opposed to trying to do sector investing. \> Only because of the November 2021 through current period. My graphs show plenty of other times where a long term winner could have been called VTI, not VOO. What makes the leader today the guaranteed winner going forward the next 20 years when the leader in October 2021 was different after nearly 20 years? I agree you cannot guarantee VOO will continue with it's current lead differential. VOO currently has a streak which might very well be temporary. It will crash hard when tech stocks crash with its current holdings.

marcg40

Just to clarify, they are not companies. VOO, for example, if a fund that holds \~520 different stocks. Buying 1 VOO is like buying a little bit of NVIDIA, Apple, Microsoft, Amazon etc. To answer your question, it depends on how "set and forget you want to be." There's nothing wrong with setting it to auto-reinvest. The main reason you wouldn't is if you want to try buying dips. Let's let you get paid dividends on a day the stock is up 2%. The dividends are automatically reinvested but are paying this high price. The next day the stock is down 5%, you could've bought it cheaper if your dividends were to cash and you manually bought dips. I'm sure in the long run those slight swings don't matter. The only time it would really bite you is if there was a MASSIVE drawdown.

Oranier-Citizen

No no keep trading options, just keep the sizing small so that if you end up in a losing streak, it's not the end of the world. I'm not a "VOO and hold" cuck. If you grew this from 4k, you are good at trading. Keep trading, keep the sizing appropriate, and it will compound better than VOO. Btw look into midterms historical cycles, I don't think being long the market until the election is a good idea. Market rallies after the midterms though. Those GOOG calls you're eyeing might bleed until early November. But that's my two cents.

marcg40

1. Try to max out yearly limit as best as you can. 2. You don't have to invest at a specific rate. If you can hit the yearly limit in one shot, do it. If not, just contribute here and there; whatever you can comfortably contribute. 3. There is virtually a 0% chance you will lose all of your money. For that to happen with VOO, for example, every single one of the 520 holdings would have to hit 0 for that to be possible. At that point, America would probably not exist anymore. 4. You can but it's easier to just set and forget into those. If you want to branch out do a bit more research to see what fits your goals.

RedditLeagueAccount

I said unless you have a data point. Glad you do. I am fine with being proven wrong. My graphs and links were the VOO VS VTI part of the conversation. We will also run into a phase at some point where active managers might beat the passive indexes because they can predict and make profits off of the known changes different passive funds might make to rebalance or add new stocks to their holdings.

MrWood1001

Please do not keep averaging down that is one of the worst things you can do investing. I suggest you put some money in index funds like VOO

TheCheez-It

Less than 1% from all-time high means it's back to VOO and chill. I'll see you next volatility season.

Tho76

Could whack it into VOO or VOOG, can't go wrong with either for safety Could also look into different sector ETFs. [Here's a list from State Street to at e least give some ideas](https://www.ssga.com/us/en/individual/capabilities/equities/sector-investing/select-sector-etfs?WT.mc_id=ps_etf-sec_sectors-funds_us_google_text_psnb_mf1_lp_jun26&gclsrc=aw.ds&&_bt=812154141777&_bk=sector%20etf&_bm=p&_bn=g&_bg=70797238455&gad_source=1&gad_campaignid=1939483851&gbraid=0AAAAACz5AuPTTX7fn2ch2dTKoG3QKCfTW&gclid=CjwKCAjwj7HTBhBiEiwA8s35Os2NZIq5fYE-q13T1IfwN0DKMQqD10dOZoP_hgTnJrZyquuKaqAcvBoCZRcQAvD_BwE). Make sure to reinvest dividends!

Aggressive_Web_8463

He’s saying that VOO or ITOT or the OEF are all very similar, they hold the same positions with small differences, nvda, aapl, goog, msft…  I don’t think you can go wrong with the vanguards or blackrocks (Ishares) but I would suggest a reputable institution, call me old but I’m not investing with RH or anything.  Most important are the five Q’s - your timeline for investment, your risk tolerance, your objective (down payment, retirement,) your liabilities / short term savings are in place, tax situation, & finally your other assets, how does this fit, etc. once you decide those things you’ll know

island_dwarfism23

VOO and QQQM have a highly significant overlap, particularly among large-cap tech and growth companies. Due to this, holding both is significantly less diversified than people expect. However, the overlap is not necessarily a problem if the goal is to deliberately overweight growth-oriented companies. For investors who prefer a simple, broadly diversified portfolio, choosing either VOO or QQQM would be sufficient. VOO provides broader exposure across the S&P 500, while QQQM is more concentrated in large-cap growth and tech-focused companies experience greater volatility. Rather than trying to time the market based on recent performance, consider establishing an smaller starter position and dollar-cost averaging (DCA) into the ETF(s) that best matches your investment strategy, risk tolerance, and desired level of concentration.

Ravens3505

For example over the last 10 years $QQQ has averaged 18.8% annual gains vs 14% for $VOO. When you compound those gains over a large period of time it’s a ton of money lost

Ravens3505

Yes that is true and gives you a little more safety. But you are leaving a ton of gains on the table in the end. It’s a personal choice. I tend to believe the entire stock market for the most part moves together. Nasdaq goes up more on good days, goes down more on bad days. If we all believe in the end we’ll be way up regardless of the many downtimes in between, the compounded gains left on the table choosing $VOO will be a lot. To each their own

peteonmargin

Seem? It’s pretty virtually understood based on his post history there is little care and intent to pay related taxes on these plays. I’ve personally consoled friends and clients over speculative TFSA activity and associated consequences. People leave Canada and stay out to avoid payment similar to inability to consolidate debt. Should CRA slap this guy with business activity in both nonreg and TFSA he’s looking at a rough 600k-700k tax bill. Thats a generational amount. No instalment tax planning considerations were even considered. Had he spoken to an accountant he could s.85 roll over these funds into a company and massively reduce this while opening avenues for future business opportunities. But instead you and him don’t care about what can happen. You might as well comment on everyone else’s thoughts to get out of options and put the proceeds in a safe index fund that practically guarantees a small pension like VOO, XEQT, VFV, etc. Your last sentence is the funniest I’ve heard. There’s a reason why taxes are trying to be pushed by the conscientious; a very lucrative career if pursued at high technical levels. 

LanceX2

You could just VOO the rest.

LumpyShock9656

Crazy to think VOO is actually down today

UnnecessaryPancake

Trading in my Roth, so VOO calls

planes01

Because VOO is a more diverse index that's why

deadmonkey03737

The entirety of VOO is within VT. It’s pointless to concentrate extra funds on just those companies

WakeJman

might as well put the remaining on VOO

thailanddaydreamer

VOO

steady_compounder

If this is long-term money, the bigger risk is usually waiting for a perfect entry that never feels perfect. VOO can still drop after you buy it, but that is true in almost any month. For a beginner, a simple plan of buying steadily from each paycheck is usually more useful than trying to outguess headlines.

ComparisonOther4318

You’re not being too conservative at all, you’re doing what most people *wish* they did at 22. I’m late 30s, \~80 to 90 percent in broad index funds, 10 to 20 percent in individual stocks for fun and potential upside. That “core and satellite” setup lets you scratch the stock picking itch without nuking your future. If you just keep shoveling money into VOO and QQQM for the next 10 to 20 years, you’re already on a very realistic path to “seriously wealthy” by normal human standards.

Routine-Shoulder5785

the sentiment changes so fast man. It was supposed to be a pump like ytd now kioxia miss and everything dumps. Boomers are right, VOO and chill. No, i’m not a bear, i hold many memory calls

sentientshadeofgreen

I'm not such a pompous twat that I'd shit on all of retail investing, but yeah, doesn't take a financial advisor to know that investing in VOO is pretty low risk long-term, just like driving a Prius will save you gas money.

sidaeinjae

I live here. We buy VOO.

GolfLiftPlayPool

Collect my dividend from my emergency fund thats in VUSXX and buy VOO or SCHD idk might fuck around and get some VMFO or CHPY. Depending on how im feelin Sheeit

RedEgg16

VOO and chill everyone

Ravens3505

Everyone will tell you $VOO but the answer is $QQQ