VOO

rithsleeper

Once you are in the game, gains come quickly. I still get annoyed when think, why didn’t I know to start when I was 20!? But thing is I was paycheck to paycheck starting my life. And when I started “saving” I got sold on a 403b cause that’s what my parents said to have a special investment account. They took $100 every month and after a DECADE of the biggest bull run in history 2009 to 2019, I had a whopping $14k. Bro what?! When I started really learning about investment during covid I was so mad. I took all the tax penalties to access the money. They wouldn’t let me withdrawal so when I had my first kid I claimed “family emergency need” and took as much as possible. Then they still wouldn’t let me drain the account so I took loan against it and defaulted on the loan. So from that 14k I essentially got back 10.5 after all the taxes and fees/penalties. But that 10.5 will be worth just slapping into VOO in my Roth. So stupid. Point is you learn, get better, can contribute more now, you got plenty of time. Once you start you will snowball quickly.

Sagenitis

Im not cut out of for trading. who was i trying to kid? should have just gone VOO and chill like my wife and her boyfriend.....

SirGlass

Ok , I have noticed in some structured notes it uses something like the S&P500 index what is only a price appreciation index vs S&P500 Total Return What means if the S&P500 is up 10% , that is their benchmark when really something like VOO would return 11% due to dividends. So by using the non TR index they already under perform a basic index fund by sometimes a few %

spilledonwhite

Good I want everything else to crash with me. It aint too much further to zero for a lot of these stocks so why not bring some attention to this shitshow with a broad market crash. I bought SPY calls today at like 1:30pm just to make it crash. Don't fuck with me I will full port VOO and bring on a 1929 crash.

SirGlass

I think they are gimmicky I always kind of laugh at these complicated products. Like even with out using options if you want to limit your downside as well as sort of limit your upside there is a thing called , just investing less and keeping some portion of your money in bonds Like if you sort of simply did something like 70% VOO and 30% 3 year goverment treasury , while the risk profile is different you are sort of doing the exact same thing! You are limiting your downside while somewhat limiting(but not capping) your downside with out doing anything complicated or paying a 2.5% commission Then there is always the slight possibility even if the market is up but who ever is the counter party of the note goes bust, you are a creditor.

taplar

I would point you to ... - https://www.investor.gov/introduction-investing - https://www.investopedia.com/articles/basics/03/050203.asp I don't really like to tell people what to invest in, and would rather point them to learning resources, since everyone has to learn to take responsibility for their own investments. But if I *had* to, I'd say start with either VOO, or VTI, or VT, and as you learn more about investing start to diversify more when you have a reason to do so.

LineMission1628

I see, so what would you recommend to someone starting off? I see there’s no point in investing in VTI and VOO at the same time Since they pretty much have the same %. If VTI and VXUS Is a good Combo what’s a good combo with VOO?

taplar

VXUS would give you some diversification into international equities. It's an established practice by some investors to hold a mix of VTI and VXUS to have a total world equity investing strategy. It's long term returns are lower than VOO or QQQM, but you gain the extra diversification.

taplar

The 15 year return for VOO is around 14.5% The longest trailing returns available for QQQM is 5 years at around 15% Both of those have diversification built in to different degrees. The primary draw of SCHD is the dividends. It's longest available trailing returns period is 10 years at 12%. Are you going to be using the dividends? If all you're doing is reinvesting, based upon historical returns you would be better off opting out of SCHD and going more into VOO or QQQM.

Dazzling-Ad7012

I made 20k, then lost the 20k and 18k of my own cash...account is in ruins wild couple of months. Wish I pulled out and just push the 38k in VOO or held the cash 💸

DandierChip

Investing in VOO/Spy over a long period of time does work tho

LineMission1628

Hey everyone, I’m still pretty new to investing and wanted to get some opinions. After doing a lot of research, I decided to start with **VOO, QQQM, SCHD, and Apple (AAPL)**. I like what each of them brings, and I wanted to keep things simple while I continue learning. That’s also why I haven’t invested much money yet I want to ease into it instead of throwing a ton of money at something I don’t fully understand. I already have a **Roth IRA** that’s managed through my financial advisor, but I also wanted to open a **Charles Schwab** brokerage account on my own so I could learn more about investing and have more than one investment account. Eventually, once I become more knowledgeable and comfortable with investing, I’d like to branch out into some riskier individual stocks with higher growth potential. But for now, my goal is to build a solid foundation and learn good investing habits before taking on more risk. Do you think these four are a solid place to start, or is there anything you would change? I’m investing for the long term, not trying to get rich overnight. I’d appreciate any advice or suggestions from people with more experience. Thanks!

CJBlueNorther

Fam, 0dtes are for us peasants to gamble with to try and strike it rich, okay? You already had it made, just VOO and chill, so you can coast off those sweet dividends for the rest of your life. Christ on a motorbike 🏍

awana4

Sell in May and go away, and come on back on St. Leger's Day.. Damn, I feel old right now. These are usually some of the worst months of the year for trading. Either dump that portfolio into VOO, or learn how to relax and hedge you portfolio until Mid-September.

Wrong-Protection-188

Yes. I thought I was picking good stocks. Probably just liquidate everything and buy VOO.

trix_is_for_kids

lol you shouldn’t be paying anyone to manage your port unless you’re mid 7 to 8 figures. This person should just buy VOO/VT and not pay attention to the market

CivilizedSteve

Those are Reddit names. When you see a name make sure you investigate the heck out of them. VOO or Google or Amazon are all PROBABLY going to go up over time. But every stock will have red days.

Dumb_Nuts

They’re only pitching it because it’s profitable to them. The callable piece is essentially a short call option 23% OTM and the downside protection is a put option financed through the sale of the call. Then some unnecessary complexity to make it sound interesting and valuable. It’s basically a collar trade long the underlying, short call, long out. You could put that on yourself for pennies on VOO shares and almost definitely have a better risk/return profile.

theNeumannArchitect

I didn't really start investing till my early 30s beyond a 401k. My only advice is don't invest a single dollar in anything except VOO till you hit 100k. Then allocate 5% to 10% to individual holdings. If you hit 100k by 40 then it will be worth around 1 million by retirement assuming \~10% return without another single contribution. Plus whatever 401k contributions you'd made. That peace of mind allows you to be patient and diligent about targeting individual stocks when the opportunity arises. Time is your friend. Put away as much as you can early and let compounding do the rest of the work for you.

PinkthePantherLord

How about VOO and you learn from this, or put the rest of the \~$900k on 0dtes tomorrow 👨‍🌾👨‍🌾👨‍🌾👨‍🌾👨‍🌾

Low_Plastic363

That's the defensive posturing. If you're 100% in VOO, you don't care if money rotates unless it all goes to small caps. If you're chasing the latest AI build-out meme stocks, you risk getting burned the one time "this time is different."

YourChildhood5762

I've been through this before. My portfolio peaked June 1st. Since then I have had a majority of red days with a couple of stocks losing 5% on any given day. They are all speculative technology or some relation to it. It hurts, but I had good gains up until then and am spread out across several sectors. I was proud of how well I was doing but will probably finish even with VOO (9% YTD). I don't think I'll do worse. I'm not selling. I'm keeping my powder dry for for the big crash in September. I don't think we'll aggressively rip out of it but things will be okay.

Rich-Possibility2954

Well Warren Buffett says if you’re investing (ideally in low cost index funds like VOO) you should only check once a year. If not and just trading it’s more like gambling and proven to lose more money 

Straight_Ad_87

My play money port is VOO, QQQ, SCHD, and GPIQ. Someone want to guess the only one in the green today? 😂

FlatPlutoer

Just buy SCHD or VOO on down days and stay away from options

captain_waddy

Ignore your friends. Invest in VOO and chill.

James_the_bull_

How old are you? I’m 27, $35k in Roth. If I had $200k in my Roth, it’ll all be in VOO. Would be worth $5-10m in 40yrs…. I sometimes want to gamble my Roth IRA, you’re a good reminder of why I shouldn’t lol

Fun_Investment1101

Buying nothing but VOO and cocaine from now on

StockWireN

June highs was the tell. semis ripped so hard that cash/VOO rotation made sense, but those SanDisk and Micron stop losses can get ugly fast if memory rolls over again we re tracking developments like this. see our page

19kjc87

VOO and chill

Abject_Wish_3787

THERE IS A REASON WARREN BUFFET SAID 99% of people can't beat S&P in 10-20 years. Mark this manipulation as that advice and go 80% VT and VOO and 20% of your fav stock

wedabest111

Everyone the past month has been saying institutions are dumping every cent into mag7 had me expecting a 10%+ gain on msfts chart, I check and it’s 2% past month, in a “boom mag7 market” I was expecting a better performance than being on par with VOO 😂

16fca

Reminder that VOO is still near ath

KittyLover-7

This is a losers game I’m taking my losing ass to VOO and chill

Salamanderfs

I had to restrain myself from YOLOing or almost full port-ing into Semi's after the June highs. I knew that what goes up, must come down. Hedged into cash and rotated back into S&P500 ETF (VOO). Having to be worried about stop losses for my SanDisk and Micron shares is a bit distressing but I'll maintain my current foothold in Memory shares. I know at least Nvidia can find a way out of the dark

silver54

if i somehow by a miracle manage to get back to evens with a full memory port, im definitely going straight to VOO fuck this shit

JamesLikesIt

Honestly I’m learning I don’t have the stomach for this stuff lol. Consolidated more to VOO and calling it a day. Still keeping some shares of RKLB but I’m pulling back for now. 

oldbeancam

$ROPE son or VOO and chill daughter

spilledonwhite

Do you think if I full port VOO I can crash that too?

Crazy_Reporter_7516

Sold 50K of VOO and put it all into photonics like AAOI. Thought I was getting a nice 10% discount, turns out everything can go down damn near 50%

PalpateMe

Is it simply time for me to VOO and chill 😔

Kodexo1

Put in more. Into something like VOO. And don't trade it. There is a 99.9% chance you will lose all your money full porting. Just go to the casino and put it all on black instead. Better odds.

dpatel211

My AVUV & VOO shares are having a Wrestlemania showdown in my port

Ill_Mastodon8324

I'll assume you are American in which case look up the VOO ETF and get out of this subreddit

visionarymind

Imagine selling $50,000 VOO to YOLO a shitstonk & lose 30-40% 😂🤣 You’re supposed to never sell market ETFs & use the DIVIDENTS for 🆕 endeavours Never change, WSB 🥂

Crazy_Reporter_7516

Sold 50K of VOO and put it all into photonics like AAOI. Thought I was getting a nice 10% discount, turns out everything can go down damn near 50%

Big_Refrigerator4587

the truth is buying VOO is just way better than messing with small caps. to even make small caps worth it you gotta buy like 20 different companies and throw 10k at each. 5 years later, 10 of them will just be flat, 9 will be completely dead or trading for pennies, and maybe one pops. like look at ASTS right now. yeah that 10k would be 50k today, but the other 190k you put into the other 19 companies would probably be worth like 100k total

spilledonwhite

Mag7 is basically VOO and VOO is basically a bond fund. At least that is how my brain sees it after being fried by all the high beta roller coasters I found here.

Virtual_Secretary_98

I have 12k ready to invest, put it all now on VOO or wait for a dip? Market feels shaky rn

siazdghw

Yes. Put whatever you have into VTI or VOO and watch as you slowly regain that $40k loss. Or you can continue playing with options and likely lose more.

siazdghw

Nah, plenty of them will peddle you some in-house fund that has management fees or will be an idiot and try to beat the index. But yes, the sane answer is just to buy VTI or VOO, put any excess savings in when you can, and sit on it and watch your net worth grow

siazdghw

Sure, but the point of VOO or VTI isn't trying to pick favorites, but to have a diversified allocation that will give you a 'safe' healthy annual return. While QQQ and VUG aren't crazy recommendations, you're still picking favorites. If AI didn't take off there was a chance tech would underperform other segments. COVID pushed for more fabs to be built, and put new laptops into the hands of every WFH employee and education from home kid. There was a very real chance tech would have been been in a glut of supply with flat or lower demand.

Low_Astronomer_6669

Yeah but the odds of anyone doing that is slim. Super unlikely. But VOO, I think it may have gained money over any 6 year span since it was new. 

TrainingLower2317

Yeah, definitely sell it it a bit overpriced in my opinion. Get a VOO+VTI+QQQ and forget about it.

Independent_Snow7568

when are these idiots going to learn to put their money on VOO or maybe get a fuckin clue before putting your life savings on something.

cellularesc

Make an account at any brokerage and buy shares of VOO. Profit

Lanky_Cup_4201

I’ll keep my trusted stocks in my arsenal and put more money into VOO to keep my portfolio safe

Lanky_Cup_4201

I can see where your coming from with SPCE and trump coin and I’d like to add further context to those in particular. I already held 2 shares of spce before the big hooplah occurred and I literally bought more of it, and instead of selling it at the 7$ mark I decided to FUCKING HOLD 💔💔💔💔 and then with UNH, I decided to buy the big dip that occurred when the ceo got 200 pumped (it was 10$) and now I’m gonna keep putting more money into it because it’s on the steady rise and I trust it. For Microsoft though; I sold it already because there wasn’t any point of having 10$ in it if I’m being realistic. And YES, I will keep buying VOO

Tiny_Fold_5879

I’ve been taught to have money saved first then buy shares and the option contracts to be your extra extra money. Only trade quality companies. But then again, heavy suggestions to just invest in SPY/VOO.

BJ_Fish2

Ahh damn. Always only do 5% of your portfolio in options. If you lose, go back to VTI or VOO or If Microsoft and apple are down a lot you can put some in VGT. Don't listen to any other fuckers. 5% Max if you lose you're done.

shoebucks_moonpie

The chart is broken because money was invested over time. I would move a part of my paycheck every month. I used to initially just invest in VOO. I was up nearly 20% at some point. A friend made a lot of money with options and he told me about it. I thought I would try and here I am after 2+ years.

Throwaway37620

I may be retarded but is it bad to buy VOO cfd?

shoebucks_moonpie

Its not flat. I was up 20% or so because I had invested everything in VOO.

BedroomNo6879

Chasing fast $$ seldom works out well, just throw everything in VOO and watch it compound!

Icy-Sheepherder4122

I’d recommended auto buying VOO and Gold then deleting your app man.

RaptorKing95

VOO gang

spilledonwhite

AVDV and SCHF absolutely destroyed VOO in 2025. Outperforming a little bit this year too YTD.

Mr_Masala

"I've started over a lot, Lane. This is the worst part." "Get out of here and move forward. This never happened. It will shock you how much it never happened." Two great Don Draper quotes for crap times like this. Good luck to you. Never ever do options again and stick to SPY, VOO, QQQ

Various_Couple_764

I personally prefer dividend investing especially in a taxable account. For taxable account there are no restrictions on the ammount you can invested per year and and you can withdrawal your money at any time with no restrictions other than taxes. So it is best to take advantage of that. It is widely recommended that you have 6 month of cash saved up for emergencies. a money market account in your taxable brokerage is ideal for that. There are money market accounts available with yield comparable to High Yield Savings Accounts iat banks. Then I would start funding a high dividend fund so that the dividned will keep the money market account full at 6 month of living expenses. Dividned are cash profit sharing payments made directly into your brokerage paymentsSPYI 11% yield is a good one with a high tax efficency. Meaning the tax you pay on the dividends will much lower than the tax on your work income. In fact this fund will be close to tax free for about 9 years. After that you owe tax every year but still at a rate lower than work inocme. Turn of automatic dividned investments. That way the monthly dividend payments will go directly into your money market account. If you have more than 6 months of cash you can invest the excess into VOO and VFX if you want ore reinvest for moredividned income. 50K invest in SPYI willl generate $$5.5K a year. So now you have a taxable account that will generate cash that can be used to cover your Roth IRA payments or use to pay montly utility bills another regular expenses So eventually the dividend income could cover all of your investments and some or all of your living expenses. This effetely means you won't have to use your hard earned work income to save for retirment. I realized this lay in life but I was able to build up enough dividned income to cover a;; pf my living expenses and retired at 55.

KittyLover-7

Dude I fucking suck, I can’t even VOO and chill because that shit will start a lost decade to fuck me, that’s how bad my luck is

realribsnotmcfibs

Remember OP you didn’t only lose the money shown on the screen here but also all the money you could have gained by just putting it in VOO and the interest on your student loans.

awid31

Brother look at my post history. That was probably the lowest i have ever felt in my life and i felt like nothing could bring me happiness. A year later I have diverted my time to doing the things I enjoy while parking money in VOO and beefing up my 401k. Sometimes I come on here and sigh and remember the fun times but then I see posts like this and remember how I never want to feel that way ever again. So I have 2 pieces of advice for you. 1) It seems like this is bad. Guess what? It is! You lost money. That fuckin sucks. But it gets better. If you're anything like me you have a lot of time to make it back and spend/invest it in a more meaningful way. 2) Find something else to curb the itch. Pickup a new hobby or make yourself hangout with friends or go to the bar once a week or get a dog or a cat or learn how to play an instrument or something like that. When I was into trading I would spend every spare second and every spare dollar trying to swing trade or buy $2000 of SPY options just to sell it 30 seconds later. Turns out that's a lot of time and money and I had nothing to show for it. Life is about so much more than trading! So i guess what I'm saying is this shit is really fun but it's not a reliable way to build wealth. Everyone here knows that and assumes that risk. On the other side of your trade is an institution that is made up of a bunch of smart people who are getting paid to separate people like us from our money as efficiently as humanly possible. Don't let it drag you in further than you are willing to go/realize. Best of luck and i promise it gets better.

Prudent-Corgi3793

Consider DFIV as well for international value. It's beaten both VOO and AVDV since inception handily with much lower volatility that either: https://testfol.io/?s=ln1thHgCZmN Plus this doesn't even include the diversification benefits or the foreign tax credits you get.

No-Put2311

I'm sorry but a market that lives and dies by a single man's tweets is one I don't feel like wasting energy particpating in. VOO and chill imo

LemurLord

VOO

whereismymicrowave

Absolutely insanity to see how down all these regard stocks are in the last month with VOO still at 690. We are all beyond foooooked

AmbitiousFigure1323

Everyone panicking in here makes me casually check muh VOO shares. Another flat day. Sigh

MegaWeinerFarts

Brokerage: Vanguard Fund: VOO Youtube Channel: The Money Guys

JackWagon1990

https://preview.redd.it/f9maj0g4xedh1.png?width=2304&format=png&auto=webp&s=433d5f28171ad7aef2646547d9420f2f3380a69d Here's my parameters. Of note: notice the Exclude box above the filters group. I created a watchlist that includes the major index ETFs (SPY, QQQ, IWM, VOO, SPX, TQQQ, SQQQ etc.) to filter out excess noise.

Annual-Room-7407

Wow, I need to learn then. I need a master sensei, hahaha. I need the wisdom, not sure how that can be done. I have 53 positions in ACXP, 12 in GOOGL, 3 in PLTR, 1 in SCHW, and 1 in VOO.

AlmostAsianJim

My account has been so rock solid ever since I switched to mostly $VOO.

ResponsibilityBest43

You're never gonna game the system. Just dump your shit in VOO

sonofalando

Fun to watch VOO literally pay for my vacation last week in 5 minutes at open 💅

mighty_sys_admin

VOO pumping

Unlucky_Picture_1174

The problem is, nothing is ever guaranteed. For me I’d avoid putting a bunch of eggs into one stock. It only sets you up for disappointment when they have red days. If they go backrupt for whatever reason, you are screwed. VOO and chill, add VT for exposure to global stocks, buy red days, the bloodier (lower) the better, check back in 30 years, don’t waste your time with individual stocks unless you wanna day trade as your full time job. I started this strategy 3 years ago and i’m up 30%. This is the most braindead strategy in existence that yields consistent returns. Highest return? Nope, but returns nonetheless.

xPotatoBeast

You got like less than 1K in there, be thankful you got to learn for basically no loss. How you know you can just put your money in the VOO and chill

Lost_in_space424

If you’re buying shares on companies you don’t expect to go bankrupt and you’re selling either your position size is too large relative to your livable equity, or you have no tolerance for pain and should just buy SPY/QQQ/VOO. Literally never sell out of a company that you think sticks around for years/decades to come.

WorthContribution457

As many other mentioned VOO or VTI as a main chunk . I personally have 50% VOO (top 500 companies ) AVUV 16% (small cap tilt ) VO 16% (mid cap tilt) and PAVE 13% infrastructure tilt) more of a sector specific ETF

snackpacksarecool

Lotto winner telling others that if they buy tickets, they can also win the lotto. Most folks are better off buying VOO than 0 DTE

Furious-Jakov

Stop gambling. Move everything to AMD for next few years, then diversify into sensible ETFs like VOO. Done.

SpicyElixer

IBM makes up about 0.50% of VTI/VOO so apparently I’ve got around 10 shares too. I did the math. I definitely don’t need to increase my IBM concentration beyond what I inadvertently have.

Miguel1219

It honestly seems like you’re just throwing pennies at whatever sounds good and hoping one of them turns you into an overnight millionaire. The investment into the Trump crypto project especially makes it seem like you’re jumping into things without really understanding what you’re buying. If you’re new to investing, crypto should be one of the last places you put your money because it’s extremely volatile. Some of the companies you’ve invested in may be solid, but spreading a small amount of money across a bunch of different stocks usually isn’t an effective strategy. Instead, you’d probably be better off putting that money into a low-cost S&P 500 ETF like VOO. It gives you exposure to hundreds of established companies, so you’re automatically diversified. Even if you don’t have enough to buy a full share, you can still buy fractional shares. Dollar for dollar, you’d own a larger stake in all of the companies inside VOO than you currently do by scattering small amounts across a bunch of individual stocks. It’s a much stronger foundation to build on while you’re learning about investing.

SeeMeInWoW

Keep buying S&P 500 index via VOO or SWPPX and don't look at it until retirement

uhfgs

First thing I see "trump', man you gotta make better investment than that 😭. Just go VOO and chill for the next decade and more than double your money. Let time do its work.

ShortTheVix4

Lmao, my man you have a $600 account. You’re out here with fucking Trump coin and cum coin and ETFs and single stocks and tiny fractional shares of like 40 tickers. Brother I repeat, you have a $600 account. Just set up weekly buys of VOO and delete the app. Check in on it after 20 years.

No-Put2311

Life is so much more beautiful since I swapped my high beta semi microcaps to VOO. Never slept better

chauhan_shubham

Yeah pretty much u can do 60% VOO , 20% QQQ and 20% stocks of ur liking...But not too many maybe 3-5

Lanky_Cup_4201

Thank you for your input brudda! Everyone has been saying things similar to what your saying, and I genuinely just made a market order to sell all my stocks that arent full shares so I can consolidate it into either VOO or more stocks that I actually believe in

Muy_Division

If you have a 30 year time horizon, you can be more aggressive than just investing in the S&P, while also being more diversified. Go to portfoliolabs and back test any typical SPX fund (VOO, SPY, FXAIX) vs a large growth/momentum fund like QQQM, SPYG, SCHG, SPMO etc., I think you’d be pretty surprised at the results. Also worth looking at year to date performance of SPX vs other major indices. Russell 2000 is up 20% while SPX is up around 10%. Emerging markets are up almost 23%. In fact, of all the major indices, SPX is only above the Dow for the year. My point is, diversification doesn’t just mean ‘add bonds’, equities are a very diverse asset class. SPX is fine, most long term investors have money in VOO or SPY or whatever (including myself), but you don’t have to limit yourself to it.

Bulky_Command_5941

No point in buying VOO with $500 buddy, couldn’t even buy a new shirt with that return