VOO

SnS2500

Sell it all in the IRA for sure, then look at the tax lots of what you hold in the investment account and sell anything breakeven or losing that doesn't trigger a wash sale. Then put what you get in VOO or whatever you want. In the future look for any opportunities where it makes sense to sell some or all the remaining SPYI.

Phuffu

I’d sell SPYI in your IRA and buy VOO and some VXUS or another international fund. I’d avoid realizing gains in your taxable account, if possible. Just put new contributions towards the vanguard ETFs

AlfB63

No taxes in the IRA so yes in that. In taxable, it depends on how much gains.  If the gains in the taxable are too much, you could use income to buy VOO.  

AlfB63

VOO

Moreburrtitos22

Start from square one of putting xx% of your paycheck in reoccurring investments every week for like VOO so it never even touches your pocket. After a year you should have enough ammo to start firing from the hip to gamble decently with. $5k is an easy number to hit. Realistically it’s just taking $50 every week and putting it not into your pocket for two years. $25/week will take 4 years, $100 will take 1 year. That’s not even investing, that’s just basic saving which is better than most of the regards in here do.

drbigtoe

Im going VOO until we have some stability again. Fuck this retard shit and fuck this orange monstrocity. Voting democrat down ballot for the rest of my life.

tacspar

I own VOO, and I understand that it won't directly affect my fund for a couple of quarters but wondering about indirect exposure to the ipo through flight of capital from major tech ect.. Will the SpaceX ipo impact my portfolio (basically all VOO), and if so how?

Ill-Program-2713

Interesting u had to come back and gloat lol. Says a lot about your ego. Anyways 3M isn't much to brag on, i made a bit more than that from VOO this year

sdrockr

I have VOO and was somewhat worried.. glad they didn't fast track it into the S&P

__redruM

It compounds over time, and adds up, the 1y on VOO is 22% currently. And while stocks can drop and stay down for years, index funds spread the risk and recover with the rest of the market. Split your account between a VOO/QQQ allotment, and then “trade” the rest, see which wins long term.

NegativeHunt2344

Buy and hold VOO breakeven in 3 years!

TheRealArmament

Just buy VOO and chill

Vorapp

if you sell NVDIA today, you can use all loss to net your capital gain, so instead of paying tax on $160k, you'd pay tax on let's say $120 (assuming you lost $40k on NVDIA). Then you purchase VOO/SPY and keep enjoying the life. P.S. Need to purchase VOO 32 days after you sold it, of course

Ok_Soft2599

All these people spamming VGT, VOO etc with no context so listen for a second. I was in your same position in high school. I researched and invested in Broadcom before they hit their first 1k . They are split and trade for thousands now. I put the other 20% of my funds in VOO and VGT. The popular s&p 500 you speak of to me is overrated. They have a high expense ration and at like 5k a share it’s not where the moneys at at this point in your life. VOO tracks this ETF, same results, with way less risk, and at nearly 700$ a share, you can get way more return LONG TERM than anything. VGT tracks blue chip starts mainly, also diversified in that sector. There is technically more risk, but it always pops back. It has made me triple what VOO has made. But there are expenses. So definitely go into both. And if you want something extra that’s really low risk, go for some silver or gold. Because of the currency economy changes, gold is coming down a bit now, but always climbs in the long term with quite a low risk. I’ve gone from 2k-32k in 2 years. Im 22 years old (: feel free to message me if you need anything

Status_Reputation586

So don’t buy VOO or VTSAX? lol

stonksf

Lmfao the plunge to 819k def had me worried but I locked in and took on concentrated bets on high beta stocks sold the pump today and will either buy VOO QQQM or wait for a market wide pull back we will see I am young so can handle the moves

theduderino38

Buying thousands of shares in LPs has been the single worst financial decision in my life lol - oh if I only put it on VOO and MU….

Airizom

Guys I discovered a hack. If you invest 100% of your money in VOO your anxiety instantly goes away, even if you use margin! Its a crazy hack

Intelligent-Log191

You paid a massive tuition, but the fact that you turned off margin and bought VOO means you actually took the final, hardest step. The numbness is real, but the bleeding has stopped. You proved you can build discipline by turning off the casino. Forgive yourself for the tuition cost, delete the options app, and just let VOO do the boring work while you get your life back.

Ready_Scratch_1902

btc came down from his park ave penthouse to go buy drugs in the hood and got lost that's all this is. the VOO ghetto.

GolfLiftPlayPool

As far as I can tell FXAIX is a great ETF...its like VOO for half the price

JuicyAssReddit

You guys are all genuinely insane. Saying it will rip or crash or panicking over one week of this or that. VOO is up 20% in the last year. 6% ytd even with a rough start to the year. Average yearly returns are 10%!! It goes up and it goes down just relax.

Ass-Pounder-4000

Would have beaten her just buying VOO in that 10 years

Dazzling_Marzipan474

Just sell it and buy back VOO. It's like 10% NVDIA anyway lol

Domethegoon

Should have left it in VOO. I'm taking a bet on the US economy as a whole rather than a single company any day of the week. Plus NVDA is already a top holding in VOO so you already had a lot of exposure. Next time, play it safe and smart and it won't keep you up at night.

sonofalando

Of course the day I get out of bonds and go into VOO after 2 years 🥭 decides he loves inflation 🤡

gosumage

Trading like this, you have better odds at a roulette table. You will lose it all guaranteed. Quit trading, buy a couple risky names you like, buy VOO, and hold.

GeneralSavings9373

I used to trade a good bit last year but was out of the market until a few days ago. My main goal for investing at the moment is short-term growth thats somewhat stable. VOO - 25% DXJ - 19% VLUE - 17% XBI - 17% FSLR - 8% DG - 7% FNV - 7%

MeanLocalFriends

First, you said it all in your op. Down is good!  95% of your savings should be boggle head style. VT and chill. VTI or VOO or fine too. Whatever it hardly matters.   DCA.  Own some real estate  Allocation: /10? 80/20? 70/30? Up to you and how far along you are. Then have a 5% account to feed the degen goblin WSB style.  I dont regret any of it. Have fun and enjoy the process.  

lizardkingg

$640k portfolio... absolutely no reason to stress. Most of us would love to be in your shoes (financially). If you are really THAT concerned, then lower your NVDA holdings... Keep enough cash to pay your taxes in a high yield savings or money market fund. Buy VOO & QQQ with the rest. Then, stop watching it and enjoy your ~10% yearly gains. The hard part is over, you are at the easy part! Just lower your risk...

scmr2

VOO is basically all AI right now too

Toohotz

I’ll give my perspective, whose portfolio is heavily weighted in NVDA also, just with a very different cost basis of the $12x range due to buying overtime since 2017. I won’t repeat what many said about your cost basis as we are in a bit of a pullback. What you do need to start doing is holding through until things stabilize a bit. I sell CCs on NVDA and I won’t deny that premium isn’t great due to the downwards trend so yes it can generate some money for you, it can also run against you if it isn’t well timed. The macro situation of the world unfortunately isn’t helping at the moment. The good news is that you have shares and not calls. If you’re able to, start doing the boring re-investing into VOO and let it build again. As someone who bleeds the unrealized on NVDA daily, there’s beauty in diversifying because things are great when the market is bullish, rotation assets can be challenging. Just try to hold out and you should be fine eventually.

FoundInForests

Pull out, invest in VOO and you’ll be a millionaire in a year or two

AliExpress7

This is going to 500 B (0.5T for the regards) In that time frame. Better sell your QQQ and move to VOO

Necessary_Blood_390

Start with some VOO 30 ~60% as the base of your investment portfolio and pick some of the stock you think would do good and some cash

GoudaBenHur

You do realizing you’re buying at the top? I’m not saying it’s a bad move. But like, maybe keep a good amount of that VOO and use like 20-30 percent on higher growth stocks.

Candid-Ninja-9527

Everyone on reddit is a dick with sarcastic replies, as if they were never once new investors, so I'll try to give you a straight answer. This happens. Markets go up and down. Microsoft is a great company. It's not going anywhere. Chances are in 5 years, it'll be much higher than it is today. Problem is, you need to be able to stomach the ups and downs. If you can't, just buy an index fund like VOO. But, if I were you, I would hold this position, and start building a new position in something like VOO and not look at or touch MSFT for 5 years. If you can't, then just sell, cut your loses, and take the $4000 loss as a hard lesson learned that single stock investing isnt for you.

spilledonwhite

I spent the last 2 weeks of May dialing back my risk and forging a bullet proof port, predicting a pullback in June. Almost all ETF bullshit. Cash reserves to buy the dip on VOO/QQQM/SPMO whatever. June 1 it didn't happen, kept pumping. I figured it would just keeping going up forever, that I could time my exit if it is a bubble. Peak FOMO. Went back into high risk AI hype shit on fucking June 2, I shit you not. Top regard.

fitalwaysandforever

Lol, there are plenty of people here doing better than me or who at least have a much healthier work life balance. For me, what’s in the stock market is basically everything. I’ve been a workaholic my entire life and, at 30, I honestly feel like I don’t and haven’t had a life outside of working. The portfolio wasn’t built overnight either. It came from investing every spare dollar I could and a mix of having the patience to hold things like VOO, NVIDIA, and AMD for years + getting lucky with them at the time. These days I’m not able to save, and inflation doesn’t exactly help. So after sacrificing so much of my time and energy for years, it’s really tough not to feel discouraged watching my portfolio drop. 😭

sonofalando

I warned you guys a few days ago I rotated from bonds to VOO. It was over the moment I sold those puts for all of you. I am the black 🦢

Kqzxh-900355

AVLV etf for a well balanced companies. You get tech, industrials, finance, healthcare without the bloat unlike VOO.

Stylux

I would "fix it" by buying VOO.

spilledonwhite

Nasdaq down 7% in 6 trading days... a lot of individual stocks (especially the ones peddled here) are down 20% or more. Not everyone full ports VOO man... watching 10-30% evaporate in a week is tough to handle for some people. But yeah I hear you... I also think high beta drops hard first. When SPY gets to -10% or -15% I don't know how much more some of the high volatility underlyings can fall. The staples and megacaps will drag it the next leg down (I hope).

fitalwaysandforever

I’ve actually always known I had a lower risk tolerance. But after watching NVDA go up for years and only investing relatively small amounts since 2020, I consistently hated myself for not being more of a risk taker. Got stuck on the could’ve should’ve. I acted emotionally. To make things worse my $216.16 average is only because of my early NVDA purchases. The reality is that I bought most of my current position at the all time high around $236 after selling VOO. I got hit with massive FOMO and let my emotions take over. The conviction was real, but I convinced myself that $230 was basically the new low and that I wasn’t taking enough risk to reach my goals 😭.

Airizom

VOO and QQQ are officially meme stocks

SheepOnDaStreet

Swapped out of VOO for I buy NVDA at it’s peak is solid trade, you’ll be fine

Astronaut100

The good news is that you now know your risk tolerance. If a concentrated bet in NVDA is giving you sleepless nights, you never truly had conviction to begin with. You have two options now: (a) wait for NVDA to beat VOO by enough that it covers your taxes and then buy back VOO or (b) eat the loss and buy back VOO right away. Stay diversified for your own sake in the future. If it makes you feel better, most investors go through this phase at least once. It’s a learning experience.

NoMore_stu

Paper trade your options on like Robinhood .. park your money in VOO and lose imaginary money for starters

Neuromancer2112

FXAIX is transferable - it's the Zero fund version (FNILX) that wouldn't be transferable. Roth IRA is better for mutual funds specifically (FXAIX), because if they distribute capital gains (nothing recent, but it could happen in the future), then that's a taxable event in a taxable account. ETFs are more tax efficient to put into taxable. I have FXAIX in my Roth and work retirement accounts, VOO in taxable.

pineapplekiwipen

VOO is 666 😈😈😈

fitalwaysandforever

Yep 😭. I was chill for 6 years and then convinced myself I wasn't taking enough risk to reach $1M anytime soon. Since I can't really contribute much to my portfolio these days, and inflation doesn't exactly help, VOO started feeling painfully slow. So then I convinced myself this was the best move…

Big-Interaction-1797

VOO already has exposure to nvidia man definitely unadvisable what you did. That being said just ride it out nvidia is a great company you'll for sure see decent returns I think because the market cap is so big you're really unlikely to see it 2x or 3x anytime soon though

Airizom

I really dont know why im still holding. Even VOO and QQQ holders aren’t safe

Limp-Wall-479

But it was VOO youuuuuuuuuu richieeeeee rich personnn!!!!

hourglass_777

It's supposed to be VOO & Chill 😎 .... you forgot to do the chill part.

Limp-Wall-479

You had the money to rather buy options with money and you decided to sell the one magnificently performing stable long-term investment you had in the hopes of…? I simply am unable to discern your thought process and logic as to what you were thinking selling off all your VOO for NVDA… especially given its valuation at the moment?

R3dFiveStandingBye

VOO at 666

Serpico2

Just speaking personally, and this is not financial advice, but this is why I’m not dumping my target date funds for pure VOO. I still only have 10% bonds but it’ll scale to 20% over the next decade and while bonds have taken a beating the last 20 years, some return is better than none in case the S&P, which as you say feels awfully overbought, has another decade of death. The retort to what I just said is, historically, I have to invest 16% a year to retire with the same amount as someone in 100% equities who invests only 10% annually.

NiceJobSon

VOO and stress

Iamverycooldud

This is the best time to be VOO and chill tho

bartino84

Trying to VOO and chill, but I don't feel so good

teh_herper

I dont even have 0dte VOO on my webull wut

teh_herper

who tf is trading VOO over SPY?

WeeTheDuck

First of all, I'm a puny undergrad, so I'm definitely not qualified to answer this lol. But if I were you, I'd do some survey as to how much the type of home you want costs, so you have a tangible goal to aim towards. Now how much do you make annually? How much percentage of that do you think you can save? Then you'll be able to gauge roughly how much gain % you need to achieve that goal, which is crucial in determining how much risks you're gonna have to take. But yeah, all investments have risks, so I'd suggest you do the test to determine how much you as a person is willing to take, forgot what the test is officially called. That should be a good start Still, generally market ETFs are probably the best for most people lol. Personally I buy VOO

Iunatic

With the now-constant threat of dilution from the Bag7, VOO-and-chilltards are more and more correct every day

InvestingNerd2020

I've been telling newbies to use SPYM in a taxable brokerage account since the S&P 500 index switch and lowered expense ratio. Long-term holders of VOO, IVV, or SPY should continue investing into them. No point in losing your great positions for a slightly less expense ratio.

PhillyPilot

VOO and chill, stop overthinking it

Virginia_Tesjan

Would do: 20% XLK because tech is gonna lead the next 25 years just like it did the last 25 year. 40% VOO for S&P 500 20% VEU for international 20% VIG for dividend and growth

Overflow0X

I dream of a world where I no longer have to look at charts or watch news. VOO and chill, but I'm too deep in now.

Boys4Ever

Perhaps consider a series of diversified low-cost ETFs and DCA as funds become available. VOO, QQQM and SOXQ how I'd start were I 21 again and lock more try putting away 20% net of taxes combined first into ROTH 401(k) then ROTH IRA then rest into brokerage since early on where one pays the least of taxes then later in life switch to Traditional 401(k) and Traditional IRA plus continue buying in brokerage because SS not enough and I'm speaking from experience vs I how I viewed retirement at your age.

CPR123_

VOO red and port green is always a good day

Reasonable-Pass-2456

yeah but if you only put money in QQQ, it's 15% YTD, VOO 7%+, the average joe I know only put their money in these massive basket of ETFs. You are probably referring to some regards on this subreddit.

DampCoat

You may need some VT/VTI/VOO and chill in your life

Iamverycooldud

I sold my VOO at 690 and bought back in at 689.8 so I’m officially doing better than S&P 500 this year

ClaydoeClaydoe

Put that crap in VOO and forget

JonSpartan29

$VOO squad 😏

WickOfDeath

SPY or VOO is bought in pension plans. They buy the dip anyway.

Ahamadrayasbaboon

I’ll buy more FLKR, AVDV, VXUS, probably some other stuff. I’m buying US ETFs, also, but in smaller amounts unless VOO goes -10% from ATH. 

Midlycruising22

VT or VOO are better options than tbils

InspectorStunning861

S&P 500; VOO etc will always make you $ as long as you buy and hold long term. In even only a 10 yr period you're 1$ invested is now over 2$. And had you just put it 1$ in a no interest checking acct you're 1$ is now only .60 cents or whatever......... imagine how much $ you would lose over 20-40 yrs. You could end up having to work until you're in the ground.

TheOpeningBell

"Higher fees than VOO" is not what a CFP does. Do more research.

Few-Lengthiness-2286

So VOO is up 7%ish percent since this post

Jack_Shaft0e

Did you cherry pick the specific comparison time frame that supports your case? Looking at 2 or 3 year returns shows FNILX ahead. https://totalrealreturns.com/n/VOO,FNILX

RaginAsian666

VOO and chill from here on out maybe

spilledonwhite

I second-guess myself every day for not full porting VOO like a 🌈 boglehead normie. Boring as fuck though.

CoatEnvironmental728

Torn between riding the VOO and chill wave or just full porting into 4-5 semi long dated calls and hoping for a 10 bagger

Doctor_Raymos

If you try to wheel with 3k you will find the premium is extremely low. Even if you continue doing it week after week, you will end up making less than a standard ETF like VOO. You need enough money to invest in high premium stocks, where a single covered call may cost 10-20k

NewMetaTrades

Not financial advice, but if I were you and thinking rationally, I would split this into 3 tranches: 1. 200K BTC - I’m guessing you’re a believer and this way, you’ve automatically secured your cost basis + made a significant return. You can’t lose from this point on if this is your high conviction bet. 2. 200K on a Long term quality compounder- for me, this is an ASML, TSMC, GOOGL, type play. Essentially something you would never sell even if it corrected 15% in one day because you are CERTAIN of the fundamentals. OR, if you’re not a stock picker, VOO 3. Let’s be honest. If you’re in this sub, you’re likely a gambler. Feed the beast. This is your “fuck it, it could go to zero, but I’m gonna die trying to be a billionaire” tranche. Continue to roll the dice. This way, you’ve mitigated the downside and secured your future, but you also have a shot at that sub-1% yolo dream. Just my 50 cents

HelloTheirCruleWorld

I just VOO and chill. Weird to say but I love seeing red days. Means I buy more than my normal weekly buys

Ahamadrayasbaboon

Buy VOO, hold for 18 years. 

cubonelvl69

https://portfolioslab.com/tools/stock-comparison/FNILX/VOO VOO's 5 year average CAGR is 13.49% FNLIX's 5 year average CAGR is 13.21% Even after fees, voo has been the better pick But regardless, you can't handwave the holding differences between the two and act like the 0.03% fee is a deal breaker

jason22983

I’d sell that URNM & put those funds into VOO

PulIthEld

I SAW VOO hit green

GetCashQuitJob

I hope everyone had fun today. I'm not selling my VOO. I rotated GOOG into IBOT. I'm ready to ride it up or down.

No_Paleontologist506

The only thing that governs price is more people buying a stock than selling, price goes up. More people selling than buying, price goes down. Everything after that basic level is inferred, correlation. If you are young. Open a Fidelity account. Buy as much VOO on auto weekly basis as you can comfortably stomach, then work to increase that auto amount over time. Sell only when you have something urgent to pay for. You will learn tons of other things. Roth. Budgeting. Optimization. You will have conviction for particular CEO/founders. All that comes with time. But it all comes roomy he fundamental basis of auto invest and don’t panic sell. Best of luck!!

Doctor_Raymos

5 years it has only increased 16%. If you literally only went VOO, conservative ETF, you would be up 73% in 5 years. To each their own I guess

Technical_Eye_4343

AI is here to stay. I'm not sure which companies will float to the top and stay, but a long term portfolio with 20% AI is good. Majority will probably remain in VOO for long term growth. I've been doing just fine with gains over there the last decade.,

dbandroid

just buy VOO

samuelj264

I’m all in on SPYM, SPY and VOO are just \*expensive\* per share, I like having a bit more flexibility and still get the same exposure. I highly doubt they would change indices again.

LazyDazyFazy

VOO and chill comments incoming