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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
80% VOO , 20% MAG7 and always have some dry powder to buy a MAG7 dip like META 2 weeks ago. If you do this you will beat the market.
I believed in it even when I was down bad. Bought 225 shares at $28 and 775 more at $8. Sold 200 early this year at $103 and another 200 at $130. Put it all in VOO
22.8% YTD MWR, large cap dominant portfolio with overweight to Megacaps (META, GOOG, AMZN, UBER) and cyber security. Core holdings are VOO, VB & BRKB
Pick one broad index fund and eliminate the rest. VTI at 0.03% expense ratio gives you the entire U.S. market, so VOO (87% overlap) and VT (which contains VTI) are redundant. Drop the active funds entirely; American Century charges 0.29%, Putnam charges 0.56%, and they are selecting from the same mega-cap stocks already dominating your index holdings. PIMCO Income has a 0.90-1.65% expense ratio depending on share class, which is obscene for fixed income. If you want 70/30 stocks to bonds, go 70% VTI and 30% in a low-cost aggregate bond fund like BND. Drop the four individual stocks since you already own them in VTI; Apple, Amazon, Nvidia, and Berkshire are collectively over 15% of VTI’s weight, so your 16% allocation creates concentrated exposure without diversification benefit. If you insist on holding individual names, keep it under 5% total and accept that you are gambling on outperformance rather than building a balanced portfolio.
call gains from this morning ported into VOO and GOOGL. Love it
You’ve got a pretty concentrated growth/AI tilt on top of broad US and global ETFs, so your overall risk is heavily tied to large-cap tech even though VT and XLU add some diversification. One way to sanity-check your predictions is to look at what portion of your portfolio is in broad indexes (VOO/VT/QQQ) versus single names (NVDA, AAPL, META, DUOL, ANET) and ask how you’d feel if the AI/mega-cap theme underperforms for a few years. VT slowly becoming your top holding will naturally reduce single-stock risk over time, while XLU is a small but useful ballast if rates stay lower. If you want to visualize how much of your portfolio is really in US tech versus other sectors and regions, a tool like [WizardFolio.com](http://WizardFolio.com) or any ETF look-through site can help you see the underlying exposures more clearly.
Should have put it into an etf like VOO
VOO is over $600 right now and VT is $141.
This is something I think of a lot: It truly depends on what you’re holding. Like if you’re heavy in a recently IPO’d AI Data Center company, you could time your entry well and find yourself up 20-30%+ in the matter of days or weeks. However, in that same regard these kind of companies are often: 1) Low volume. 2) Contingent on any market/sector noise (good or bad). 3) Are news heavy, negative press can crush something that’s new and likely not profitable yet. So you can see how that 20-30% gain could flip to being either 0% again, or even down a significant percentage. You can hold onto it, but if you don’t believe in the company fundamentally why diamond hand it? I think taking profit on riskier plays is a good move imo, just understand you will pay more Capital Gains Tax if you hold for less than a year. Also note this: You can take pieces of your profit when you’re satisfied or worried about volatility. Pretend you have 1,000 shares of a long term holding ; let’s say you got TSLA in 2020. Your initial investment was $200,000 because you got 1k shares at $200. It’s now worth $450,000+ since 2020. You could cut your position in half and still have double your initial investment tax included. That’s a dreamy scenario, but the idea is if a stock does well you could trim and still have a meaningful position in the stock. It’s all about risk management in my view. If you’re going to flip a stock you need to be willing to accept a reality where you may and likely will sell far too early, and buy too high. If you’re selling a volatile stock because you’re happy with your gains, you can’t lose sleep over the loss 15-20% because it could have went the other way too. If you buy too high, it’s preferable to have a company you could feasibly hold long term because it’s fundamentally a good stock to own. Sometimes you can manage to sell at the peak and buy at the bottom, but even seasoned investors can mess the timing up because that’s the name of the game. It’s also about where you are financially, where you want to go, and what your overall plan is. There’s absolutely nothing wrong with taking your money and doing a mix of an S&P 500 fund, VOO, Blue-Chip funds, diversified ETF’s, and maybe even some precious metals; and just holding for the long haul. There’s also nothing wrong with snuffing out individual companies you believe may be those 1,000%-3,000% winners. The issue arises when someone wants fast money and/or thinks they cracked a code somewhere. The small-cap stocks can be fun because they may shoot up nearly 400% in a day like CAPR. But like I said, it goes both ways. Holding shares and being patient isn’t the sexy or cinematic way to invest, but compounding and focusing on sticking to your core goals is statistically lucrative long-term. Everyone has their own unique plan, you can make a lot of money doing a blend of short, medium and long term investments. Full profit taking quickly may not be the smartest idea if you are in a company you truly think will succeed, has a runway to higher levels, and fits your risk profile. But with companies that have rocketed 1,000% or more historically, many weren’t always clear winners. It stings to miss some of the big ones, but for a company to accelerate to such levels and not be a penny stock, it requires a unique set of optimal outcomes. In the end I think it’s potentially better to not be rigid in your strategy always if you’re an active trader. Oftentimes, your original plan gets skewed just like how life usually is. You can’t go wrong taking a bit of profit, or cashing out if you’re satisfied. And even crazy high growth stocks can have some beautiful entry points. NVDA has gone up nearly 100% since April, after it dropped almost 30% in the 3 months prior. So even if you missed the immense gains before that, some made a killing just buying the dip on an already world-leading stock. It takes a mix of knowledge, usually experience, timing, a bit of luck and some blessings with a lot of patience to hold a long-term position that 2x’s, 5x’s or 10x’s. You most certainly will miss some huge winners, but the interesting thing is, even massive winners can create low entry’s to make substantial gains. It’s simple in theory to “buy the dip” but in reality it is mentally difficult. When markets tank, sentiment is bad and the news amplifies it. I think the people who make out like bandits the most are the ones that bought when people were the most fearful, and the market was horrid. And after, they waited for it to come back, even if it dipped more initially. I feel like if one could roughly: A) Find what stocks they want to simply hold and not touch unless necessary. B) Find what they don’t mind trimming if up a bit. C) Find what is strictly a flip and taking profit on that by a certain date. D) Set aside capital for buying on dips. They can probably do well long-term. It’s more appealing to some to make a living Day-trading, but most that want generational wealth over riches understands it’s hardly ever optimal compared to doing it the old-fashioned way. The biggest ROI of any Day-Trader is their online course, they invest a bit of time and sap ambitious but misled people of their money and to think the market is easy pickings. I guess my answer would be: You can sell, trim or rebuy stocks and if it’s for the right reasons it’s no problem if you miss some gains. If you’re involved in the market with the idea you’re going to do it for the long haul, proper strategy can yield immense gains if you can stay grounded. You will very likely not go from decent investments to rich in a year unless you take on massive risk. But, put away a little of your salary in the account, invest with intention and attention, you could grow it into enough to make generational wealth.
The best way to get rich is buying low cost etf funds like VOO VTI or VT and hold onto it for years and years and year
This is so dumb that I'm getting more regarded by reading it. Richard Branson plays tennis and goes windsurfing every day on his island. You think Jeff Bezos is miserable? The real flex is retiring early and traveling or doing whatever you want. The richest guy I know is probably worth 10-20M and retired at 58 to travel the world with his wife. He trades the markets and does whatever he wants every day. By placing ridiculous bets, you're actively ensuring you stay poor. Every day, you're giving your money to thetagang. I honestly think what I did will work for many people: buy SPY until you hit 100 shares, then sell OTM covered calls. Use that money and any new money coming in to place degenerate bets to your heart's content. Then you'll never be poor, and if you lose every bet, you've still got 100 shares of SPY and can sell covered calls. Rinse and repeat with QQQ, DIA, VOO, etc. I have a portfolio that generates options income that I can YOLO into whatever I want. Or just do the opposite of what OP says.
Your portfolio is a laundry list of expensive redundancies that directly contradicts your 10% return goal. Holding VTI, VOO, and VT is effectively buying the same assets three times; VTI already contains 100% of VOO, and VT contains nearly all of VTI. You are triple-dipping on the U.S. market while paying higher expense ratios for American Century and Putnam funds to select the exact same large-cap stocks you already own in the index funds. Mathematically, a 10% annual return is unrealistic with 30% of your capital tied up in credit and income funds like Brandywine and PIMCO. If that 30% yields a generous 6%, your equities must consistently return nearly 12% just to hit your portfolio target, which is aggressive rather than “moderate risk.” You are also concentrating 16% of your portfolio in four individual stocks that are already the largest holdings in almost every fund you listed. You have built a closet index fund with higher fees and uncompensated concentration risk.
Glad I don’t know how to do this. I’ll just sit on my VOO and QQQ.
I use CSPX from Blackrock. [https://www.blackrock.com/lu/individual/products/253743/ishares-sp-500-b-ucits-etf-acc-fund](https://www.blackrock.com/lu/individual/products/253743/ishares-sp-500-b-ucits-etf-acc-fund) Other popular alternatives are VOO or VWRA. They are usually Ireland domiciled. Singapore investors usually rely on those, as we pay taxes on dividends, but no cap gains tax.
benchmark the sp500 lol. $AMZN has underperformed BIG time against its peers in $QQQ $VOO. Literally horrible return...lol
Now do what you’d gain if you had $70k and went all in on VT vs all in on VOO with all dividends set to reinvest and added $100 to your position each month. And if you’re so bullish on QQQ, why not go TQQQ? The point of VT is to set it and forget it.
I had a strange idea to combine UPRO and XDTE with SPY puts purchased off the XDTE dividends as a hedge. I ran the numbers, how it would behave in drawdown, and realized; Ok, this is essentially just buying VOO. Oh well. Back to the drawring board.
Good to have some cash on the sidelines - I always just dump it into SPY or VOO if I'm sitting on money gaining no interest.
Wild how people will gamble on this and not just put their money in VOO
If yall are young why don't you just let an index tracker like QQQ (NASDAQ) or VOO (S&P) rock and keep throwing money in? Timing the market does not work. An index tracker works, period.
My slightly unique macro view and a request for how to position myself: The US Government has been taking advantage of the power of the dollar to inflate their way out of debt (and to fund their pet projects) while the entire world helps pays the bill. As a result, I'm bullish VOO as the best hedge against/in this scenario BUT I think valuations are stretched insanely thin and any sort of hiccup, world event, or Mamdani style 2028 Presidential candidate emerging as a possibility, could set off a historic run for the exits. I'm middle aged, debt free, wealthy, have/had major risk appetite but honestly am happy with what I have and would like to preserve capital. I'm currently like 15% commercial real estate (my business property), 5% single family home, 5% speculative, 30% VOO/QQQ, 45% bonds. I'm still earning a high income so my bond interest is getting hit hard and I don't need the dividend. I guess right now I'm waiting for an opportunity to stack more VOO but I feel that mindset is a sure-fire top signal. What do you guys think? TIA :)
If you are a BSD in your professional life like this suggests, work on increasing your salary and put what you don't need in VOO. If the presentation was on management's new requirements for fry-bagging procedures, carry on.
Mainly VOO....i'm gonna take a chance and speculate on TMC, EOSE, VG, and SERV those are my plays risk on plays next year.
Just bring my meme port to breakeven and I’ll quit and just do VOO and chill 🙏
VOO and chill on xanax
Oh my goddd I'm gonne have to buy some VOO to get the volatility back
Just DCA into $VOO, set to DRIP & ignore it. Seriously though, this is not a rational market, but rather it is a casino fueled by fear & greed, based on confidence or the lack thereof. What's changed is we cannot beat the computers; they have all the data & all of our positions. Best of luck to you. I will stay here with my fellow regards & apes, DCA'ing into $VOO but also doing little regarded plays because I'm human & can't help myself.
Probably nothing new. Buying dips on core positions. Good chunk of a gold ETF. Probably more NLR and IBIT if they dip further. Steady contributions to VOO and SCHD. Past few years have been mostly amazing on individual stocks but trying to get more conservative with my investments.
The investment equivalent of delete my search history - *liquidate my portfolio, put it all into VOO, and tell no one my cost basis*
BRKB isn't a substitute for S&P500, in an exposure sense. But I would personally rather hold BRK.B than VOO. Similar growth, but way more defensive. I, of course, don't invest in either and only buy meme stocks at ATHs.
Well nothing beats VOO and chill.
ETFs have massively changed. It used to be finally a way to capture the s&p or Dow or nasdaq 100. Now ETFs can be some complex strategies put into one fund. I think investors need to be really cautious and read everything. For one, the advanced strategies don’t display nicecely in a traditional stock profile. So you’re looking at some triple inverse fund that zeroes every week. It might look fantastic next to the APPL ticker or even VOO. But the profile doesn’t begin to explain what’s really going on. And I blame the industry somewhat for creating these nebulous funds that merely look fantastic on paper.
Stop thinking so much about these things. Just buy 90% VOO and 10% UPRO and you'll probably outperform most of the regards here
Thank you for the reply! I understand that staying consistent is important and I def will, but I’m struggling to with this one thought. Let’s say I put $7000 in my Roth IRA for this year, all VOO, each share being worth $50 at the time of purchase (for example) when I contribute my $583 or whatever monthly into it again next month, let’s say now each share is worth $55, and then in month 6 of next year, it’s $60 a share, what I’m trying to get at is that even staying consistent, how does compounding truly get “serious” if everytime I go to buy the share, the price has increased, not sure if you’re getting my point. My point stands for non retirement investments too, if I’m planning to invest $500 monthly into index funds, how can I truly get exponential growth down the line if everytime I buy the share, the price has increased?
>Maybe i should just give up and buy spy calls like a normal person. Forget SPY calls, just buy VOO or QQQ, add/dca these whenever you have money. visit r/investing
He will likely have to rely on social security sadly. At least he has CDs there are people out there relying on almost nothing, I would take those CDs cash them in and buy into VOO or VOOG in brokerage.
Yup this is VOO circlejerk subreddit. No balls, no glory
toss it into VOO now and let it sit, an HSA is basically long-term money. If you ever need to spend from it sell whatever shares you need and the cash moves back into the spendable side.
Max out your roth and buy VTI or VOO. Then open a brokerage account and buy the same thing with whatever you have left. Then don't touch it for 40 years
You can buy VOO at Chase. You can even buy Vanguard mutual funds and money markets with no fee.
Everyone says VOO and chill but I can’t find chill. Is that like a refrigerant ETF or something?
VOO (Vanguard’s S&P 500 ETF) has a gross expense ratio of **0.03%**. No fixed dollar minimum investment. https://www.etf.com/sections/etf-basics/vanguard-funds-voo-vs-vfiax-comparison-guide The JPMorgan Equity index Class A has a gross ER of **0.65%**. YIKES!! Minimum investment $1000. https://am.jpmorgan.com/content/dam/jpm-am-aem/americas/us/en/literature/fact-sheet/us-equity/FS-EIND-A.PDF
These people were dead silent when Google was down and now after run up are changing Google Google. I had bought Google then and now it's fairly valued. Just buy VOO now and let the market device
You can come back from this dood. All jokes aside. Your life is worth more than 60K. Relax. Re-evaluate and maybe stick to indexing VOO going forward for the rest of your life. By the time you reach retirement swings like this will happen from small % moves and you wont even sweat it.
Not financial advice, just what I’ve seen work for a lot of people: Lump sum vs DCA usually comes down to comfort. Statistically lump sum tends to win because the market goes up more often than it goes down, but DCA is totally fine if it helps you avoid second guessing and regret. As for using the HSA card later: yes, if you invest the balance you’ll need to sell the needed amount before spending. The HSA can hold investments, but the card only pulls from cash. VOO inside an HSA is a pretty common setup. SPAXX for the cash buffer + VOO for growth makes sense if you won’t need the money soon.
So I teach my nieces who are not working yet to invest 10% of their deposits to VOO. The rest stays cash SPAXX (Fidelity). If they want to invest more they can. They know when they start working they will auto buy VOO a weekly basis. They know they will learn as they go, Rome wasn’t built in a day. But that beginning is the foundation. They even know about SGOV, but the default money market is fine. It is teaching them the habits that’s the most important. They know to pay their future selves first.
you could invest in META and watch it burn, or just put in SPY/VOO and watch it grow slowly
Thats basically asking to teach you how to trade. No one on Reddit has the time for that. The only way you can answer those questions is if you learn as much as you can about the market, devise a strategy, apply it to something and test whether it works. If it does? Awesome. If it doesnt? Re-evaluate your strategy and try again. Do it all on papertrade while you VOO and chill if you are afraid to risk your own money.
You should be proud of yourself. Just hold less cash and add more to your VOO & stocks.
60% VOO, 40% nuclear energy stocks (OKLO, LEU. CEG, VST, VRT, NNE, SMR)
BREAKING: You can hold btc and VOO at the same time
twenty years is a long time. I'm not a huge fan of these positions usually but I'd have to go GLD, VOO and VXUS. Individual stocks are just out of the question.
I've got some VOO and NVDA in my Roth, and 100% in FBCGX in my 401(k). 25 years old.
part of me hopes i blow my trading port so i can finally just VOO and chill with a clear mind.
Hint: neither do institutions, 90% of them can't even beat VOO.
Doesn't look like you're replying to the right person, but a couple considerations: > NASDAQ is pure us tech Not true. > all the non US markets that have been pretty flat or negative this year Also not true. Developed international markets (e.g. IDEV) is +26% YTD, and emerging (e.g. IEMG) is +28%, whereas the S&P (e.g. VOO) is +16%. It's been a very strong year of ex-US equities; not sure what the deal is with OP's fund.
Trying to time the market doesn't work because you have to be "right" so many times in a row; it's just not going to happen. Just look at YTD chart of VOO. It's objective, but I can see at least 20 "small dips". Now look at the current price level and look at how much of that 1 year was spent under this level and how much time spent over it. Well odds are greatly in your favor that if you just bought and held at any point, you're 96-98% chance up. Of course this is skewed because the market is up 16% for the year so more ups than down. But stetch this chart out to 1Y / 3Y / 5Y / 10Y / 20Y and you see it's the same pattern. Same is true for individual stocks if you can pick winners. Look at 5 year chart of MSFT. What does it matter if it dipped from 2022 to 2023, and again from 2024 to early 2025, when it's now higher than all those points? I can sit on this stock for decades and get x,xxx% return. And you are trying to fight for little 5-30% slices? You would have to right so many times and you still wouldn't catch up.
>Meanwhile, the same amount in VOO would have returned 'only' 25%. Looks like **we** were the clowns after all 🤡 INTC's comparison is always AMD or NVDA YOU are the 🤡 not us. 😂😂😂
Just learn to buy auto. Get a Fidelity account and setup weekly auto buys. Doesn’t matter what you do, stocks or QQQM or VOO. Hopefully you panic sold in a Roth so at least you’re not just paying taxes for fun. But you sell only when you have something urgent to pay for. You’re young and making the cliche mistakes. If you buy sticks you have to be watching all the time you already messed up. Nothing wrong with some mag 7 at your age. But stop trading in and out. Accumulate. Let compounding happen. Thinking you can see corrections is another common mistake. Set the majority of your investing ti auto buys. Sell only when you have something urgent to pay for. You will learn. Or you won’t. You’re doing awesome at your age though!! Best of luck!!
What if he had just bought VOO?
If this were my mess (and it *has* been, lol), I’d think of it in tiers: * **7.7% student loan** = basically a guaranteed, risk-free 7.7% “negative return”. That’s high. I’d be very tempted to kill that first, fast. * **5.5% truck** = not horrible but still chunky. After the student loan, throwing extra at this isn’t crazy. * **38k in ETFs** = I probably *wouldn’t* nuke this to zero. Having some invested + some cushion keeps you from being one bad month away from panic. A middle path could be: * keep a small emergency buffer, * use a slice of the 38k + the whole $800/month to wipe the 7.7% and hammer the 5.5%, * then, once the debts are gone, redirect all that freed-up cash back into VOO/VYMI and tax-adv accounts. You basically get a “debt-free reboot” *and* keep your investing muscle intact, instead of going 0→100→0 again. Not advice, just how this ETF gremlin would think about the trade-offs.
Your allocation is honestly solid for a 19-year-old. VOO + QQQM + VXUS gives you broad exposure, low fees, and decades to let compounding work. If anything, I’d simplify the metals/crypto slice they’re fine as small hedges, but they won’t move the needle long-term. Staying consistent will matter way more than micro-tweaks at this age.
Basically, they have some money, right? And instead of just using that money to invest, they are borrowing money (leverage) to use that in combination with their own money to invest in a diversified portfolio of stocks, specifically ETF's and mutual funds. An ETF is a collection of investments like stocks or bonds. A mutual fund is when a group of investors pool money together and a fund manager takes care of it. The manager either buys a lot of diversified stocks (actively managed) or the fund just mirrors an index like the S&P 500 (passively managed). Every person owns a tiny piece of the money in the pile. Using leverage is a double-edged sword because if the market goes up, the money pile grows fast. If the market goes down, it shrinks fast. The measure of how amplified that difference is, is called volatility. High volatility means stocks shrink or grow fast, low volatility means its much more moderated. A leveraged position becomes more volatile because the more money you put in a stock, the more of your own money is put at risk. Let's say you put $10k on an ETF like QQQ (tech), half of your money being leveraged (borrowed money). That is 2x leverage. This means if the market dips 10%, the amount you lose is 2x that because your equity (the money you truly own, subtracting what you owe) absorbs that impact instead of the money you borrowed. So instead of you losing $500 on your equity, you lose $1k. When you leverage money, the broker you leverage money from will require a maintenance margin, which means your equity must always be at a certain percentage of total assets. If you go below this percentage, the broker will issue a margin call which forces you to deposit cash to meet the minimum or sell assets to reduce the loan. If you cannot do this, the broker sells your investments automatically. When you have a leveraged position, every loss you take is felt by your equity, which means you are much more likely to be issued margin calls. The equity itself is put at risk which means you're basically gambling your money for a stock position to go up when your leverage is as high as 3.2x (the leverage we're seeing in the post), even if the portfolio is diversified. EDV is interest-rate sensitive which means that the value of EDV becomes volatile when interest rates change. This is dependent on if the Fed (the federal reserve) fears economic recession or inflation. If they fear economic recession, they cut the interest rates, which offsets losses and allows some breathing room if there's a sharp economic downturn. But if they fear inflation, they raise rates, which amplify losses. Since EDV holds long-term bonds (25-30 years), they are really sensitive to interest rate changes, because the interest rates and bond prices move in opposite directions. The duration of bonds has a big effect on how volatile it is. EDV is a good investment when inflation and interest rates by extent is stable, but a horrible one when it's not. VFMF is designed to reduce swings by holding less volatile stocks. It's still doesn't eliminate risk because it can still face market-wide crashes. With a 3.2x leveraged position, this reduction in risk is mostly negated. VTIAX is an international stock fund, which means its exposed to foreign economies, currencies, and political risks. This means any exchange rate swing can amplify your gains or losses. This is less correlated with U.S. stocks, but it can still drastically fall in global recessions. VOO tracks large-cap American companies. It's pretty ordinary. VTI and VTSAX covers all American stocks, from small-cap to large-cap companies. Small- and mid-cap stocks are more volatile, and market swings impact VTI and VTSAX broadly. You can see that their portfolio reacts heavily to economic and political events. With 3.2x leverage, if some sanction results in a 5% total market crash, his equity (which is $5M) is reduced by 16% which is a staggering $800k loss. That's only 5%, and if they face a margin call, losses are much worse. This is why this strategy is precisely horrible.
bitcoin is cool but I don't really understand the positions in platinum and silver? QQQM and VOO have a pretty big overlap. If I were you I would look into some individual stocks at this age but I understand if you just want to 'VOO and chill'
401k is just VOO, VEA, VWO. IRA is FXAIX/FZILX/AVUV/RPV/AVDV/DFIV
VOO, VTI, VXUS, QQQ, SMH, and VT all at the same time.
Wouldn't this change daily. putting 100k into VOO is very different to someone who did 10 years ago
Shouldn’t we be saying how much we have in these? I feel like it’s arbitrary in a way otherwise. Like saying I have 100k in VOO or 50k VOO and 50k NVDA is very different
30% - VOO (Vanguard S&P 500) 20% - VUG (Vanguard Growth) 15%- VO (Vanguard Mid-Cap) 20%- VXUS (Vanguard Total International) 15% - VB (Vanguard Small-Cap)
This sub is pure entertainment, and further validates the strategy of buying VOO and chilling, with a side dash of TQQQ for excitement.
Doubling your money (+100%) is worse returns than if you’d just have invested in VOO (+158% since 3/1/2020).
His cost was 30.45, so he would have made 44%. Meanwhile, the same amount in VOO would have returned 'only' 25%. Looks like **we** were the clowns after all 🤡
Depends on your risk tolerance. At your rate there's no obvious 'free money' trade, but many decent ETF's will reliably provide returns well over 6%. I personally would prioritize emergency fund savings first, and once you have a six month emergency fund divert to VOO or VUG (or a mix of those) for growth that is highly likely to outpace your mortgage interest rate.
Just to add to this, if you're new to investing start simple with ETFs. Essentially, let someone more experienced with you manage the balances. Remember 93% of investors can't beat parking money in VOO or VTI. Do a little exercise: create a watchlist on Yahoo Finance and put an equal amount of money on stocks you are interesting in with VTI or VOO. Track this over 3-6 months and see what happens.
“Conservative investment” “VOO”
The market is doing the exact same thing it did last year. I made a joke about how it felt like a Boner that you want to go away. You’re getting kind of sore. It’s just annoying at this point. The market is just at a very high point. It feels like it should go down. But it’s not going down. People are a little iffy on investing because they think a bubble is gonna pop. I think an early 2026, we’re gonna get some more political news, it could be about Venezuela or something like that. But there’s definitely gonna be a drop in my opinion like back down to the mid 500s (VOO).
why not just 700k into VOO.
This is what I would do. Selling the ETFs comes with tax implications that wouldn't be fun to deal with. OP mentions that with the "economy the money they have invested could disappear overnight", if an ETF such as VOO just completely crashes overnight then we have a lot bigger issues in the world than their stock portfolio. Throwing the $800 they're currently investing into paying off the truck and the student loans would take maybe 4 years depending on if it's on top of a current monthly payment or not.
There are other good S&P ETFs that are not $600 a share. There are S&P500 mutual funds that inherently allow fractional shares. They are very close to being just as good. The difference is trivial. VOO should split at least 5 to 1. Don't know if or when they will do it.
You're 24, making $95k, and already thinking long-term, you're already ahead of most people. Solid foundation with Roth IRA + 401k. Stick with VOO or broad ETFs for the bulk ($800-900 monthly). Individual stocks are tempting, but a few companies drive the outsized returns. VOO captures all of them. Individual picks usually just add complexity and friction. If you want to scratch that itch with $200 monthly, fine, but your core should stay diversified. In 8 months when that car is paid off, that's an extra $1,000 monthly to deploy. Don't lifestyle inflate, keep that going into your taxable account. That's when compounding gets serious. You're already part of a movement that used to be locked behind velvet ropes. Stay consistent, stay disciplined, and watch what open access actually builds.
I think you’re right. But that HYSA won’t beat SGOV for long. And what state do you live in? Do they have state tax? Because SGOV would be better for that as well. Brokers also allow you to know historical performance and compare to a benchmark. So you would know what you gave up by not being invested in VOO and chilling (sp500 for example). It is a slight tweak. But a great habit for you guys being so young. I find people spend HYSA way easier than liquidating SGOV to spend. You would think it shouldn’t make a difference, but I can tell you anecdotally it does. Either way best of luck. My comment was meant to help. Take with grain of salt.
Use SGOV instead of HYSA. Buy whatever of those ETFs you like, just do it auto and weekly if you can. The best plans don’t rely on self discipline. Sell only when you have an urgent expense to pay for. If you want to switch the auto, that’s fine: VOO to SCHG to QQQM or whatever. Just never remove the auto. Always have an auto. Work to increase the auto. The longer you do this, the richer you will be. Best of luck!
Yeah... I suppose, but there are people who have... FAR more money than they dreamt of because of NVDA and... it's probably not a bad idea to diversify. I myself am one of those people. Long story short, inherited money and real estate, College Roommate is a CFA who is very successful, told me about NVDA, I bought 1500 shares in 2019, 1000 more in 2023 and now it's 40% of my portfolio. It was more, but I've been selling the rental properties. I think it's going to 300 by the end of next year(fiscal year). So F'27. But it's probably not a bad idea to sell 20,000 and put that into VOO or BRK.b. I also won't do it... but I should.
Use SGOV instead of HYSA. Buy VOO auto and weekly. Whatever you can afford after having emergency fund. Sell only when you have an urgent expense to pay for. That’s it. That’s all you really need to know. Your 401ks should be sp500, your Roth can have some stocks if you want a little more spice and have super long time horizon. All bluechips, don’t trade in and out. Spend less, invest more, automate. Don’t panic sell. That’s all anyone needs to know. You probably should find a trustworthy pro and delegate these tasks. They will soon not be worth your time to keep up with. Best of luck and sounds like you will do great!!
Thanks for the link in the post. It is doing well but had the dip earlier. So depends if you got in at all time high and need to be patient. Generally international does not do the same 1 to 1 performance as US stocks in the past. But with recent volatility I the trump administration, ilia dollar fluctuation and I believe further international investment away from the US. International is growing. Look at the trend how it’s recovering. Still. It’s a good idea for diversification if you don’t do that already. Such as a simple rule is boggle heads broad market and international mix. Or VOO or VTI and mix with VXUS (or your international fund). Hopefully above makes sense.l so you spread the gains in several areas. International can gain and dip with the US markets but they are not the same obvious for a variety of reasons. My personal beliefs is the trump admin policy will cause further volatility and make international more appealing for investors.
$50k seems like a lot, but if that makes you feel safe then that's fine. Put the rest in VTI or VI or VOO, whatever.
You can always use a mutual fund instead of VOO and VUG in your Roth if you want to be fully invested.
It really was a boomer move from Vanguard at the start. Not offering their own spot Bitcoin ETF is one thing, but straight-up blocking clients from buying certain ETFs was short-sighted and honestly pretty anti–free market. Meanwhile BlackRock,their biggest competitor, is basically the reason the SEC finally approved spot Bitcoin ETFs in the first place. IBIT has become one of the best-performing ETFs ever. When it crossed $100B in October, it did so in record time, way faster than the eight years it took VOO to hit the same milestone. Only 18 U.S. ETFs even have more than $100B, and IBIT is the fastest-growing ETF in history. So yeah, Vanguard definitely dropped the ball here and showed a lack of vision. Better late than never, I guess.
Good thing your young. Stick with DRIP into VOO youll be rich by retirement
I have an eTrade Roth IRA, which does not do fractional shares except for dividend reinvestment. Most of my money is in VOO and VUG. I don't have enough left over to get any more of those, so I put as much of the leftover as I could into USFR so that it's at least not doing nothing. Now I have less than 25 in purchasing power. How can I make those last dollars do some work? I understand that's a paltry amount, I just wanna get as much as I can working for me. If the answer is "seriously bro don't worry about 25 bucks," then I'd understand.
Yes, I would absolutely choose $50k in VOO over GOOG. I'm old enough to have gone through the dot com bust when I was a teenager. If you're asking this question, I assume you aren't old enough to remember the dot com boom. Do you even remember the 2008 GFC? The markets can change faster than you can possibly imagine. No sector or individual company is immune from having their stock price devastated. I retired at 35 and was pretty much all VTSAX (VTI) once I stopped day trading after the dot com bust. Even now that I've been retired for 7+ years, I simply keep three years of expenses in cash and the rest is still in VTSAX. I don't care whether NVDA, MSFT, GOOG, or whoever is next has a good run -- I hold them all and go about enjoying my retirement.
Minimal risk: HYSA, SGOV, Treasury Direct, CDs Historically dependable but has risk: VOO, DIA, VTI, ect. Plow money into saving while you can -- establish your emergency fund, max those tax advantaged accounts, pay yourself first, save for your next car, save for a down payment on a house
I started in QQQ for my first 25k. Decided it would be a drop in my end goal bucket so just buying VOO now.
Yes, in your case it would be easy just buy VTI and VOO puts OTM, find your beta weighted portfolio delta and just buy enough puts to cover your position if it falls 5-10%. At that point you could hold it during a market downturn sell when we bottom out and buy more VTI and VOO and wait for things to improve ride it back up and keep making money.