VOO

Sweetycherryx

honestly i’d lump sum it unless watching the balance bounce around stresses you out. VOO is basically the default long term play for most folks. SPAXX is just cash, so it’s like the holding tank. if you swipe your HSA card, Fidelity automatically sells enough of the cash position to cover it. you don’t have to do anything. also if you keep your short term money in a HYSA, make sure it’s paying well… BankTruth is good for checking that.

no_okaymaybe

5x5 until you grow used to the weight and max out, continue to add weight as you grow. Eat enough protein. Also, invest in a broad index fund like VOO or SPY and grow your net worth while your body grows. Best of luck.

rodneyhide69

Well firstly, it’s unlikely it will grow at 80% year after year (it’s roughly 29% CAGR over the last 5 years). But my main point is that you already have 4% of your portfolio in Google by way of your VOO exposure. Presumably the purpose of having 20% of your portfolio set aside for individual stocks is to gain exposure to investments you aren’t getting in VOO.

Practically_Hip

Well, define solid money. I am conservative as far as my risk % on any one trade and try to manage things closely. Anyway, I am up 15.5% in exactly 6 months on options trading. Could have done just fine sitting in VOO but I have other $$ doing that for me.

Practically_Hip

Well, define solid money. I am conservative as far as my risk % on any one trade and try to manage things closely. Anyway, I am up 15.5% in exactly 6 months on options trading. Could have done just fine sitting in VOO but I have other $$ doing that for me.

qi2016

If you are aiming for the long term, I think Meta, Amazon, and Google stock would do ok, or invest in ETFs like VOO or SCHD for dividends.

opentablerezzies

Holding - TSLA, NVDA, META, AMZN, BTC, ETH, SOL, VOO, QQQ. AI Revolution accelerating. New dovish Fed Chair. Pro business and stock market president until at least 2029. No options or leverage BS. It can all be so simple.

Ok-Constant6488

For my three picks to complement a VOO/VGT core, I’d focus on high-conviction secular trends with clear 2026 catalysts, but in areas you might be under-exposed to even within tech ETFs: **1. SNPS (Synopsys)** \- **Thesis:** The absolute pick-and-shovel play for advanced chips. Every AI/3nm design requires their software (EDA). It’s a high-margin, recurring-revenue monopoly.  2026 Catalyst: Rising chip design complexity = more $ value per tool. Pure AI infrastructure, but as software, not hardware. **2. CEG (Constellation Energy)** \- **Thesis:** The clean, baseload power solution for the AI data center boom. Largest U.S. nuclear operator their carbon-free, 24/7 power is suddenly strategic infrastructure.  2026 Catalyst: Direct power purchase agreements from hyperscalers locking in capacity. Benefits from IRA tax credits. Real-asset hedge in a tech portfolio. **3. SHOP (Shopify)** \- **Thesis:** The operating system for modern commerce is maturing into a cash flow machine. Beyond e-comm, it's capturing payments, fulfillment, B2B.  2026 Catalyst: Shift to profitable growth, enterprise expansion, and AI features that boost merchant spend. **Wildcard:** **PLTR (Palantir)**. Betting their AIP platform becomes the enterprise AI "brain." Wildcard because it hinges on massive commercial adoption scaling in '26, which is high-risk/high-reward.

cooldaniel6

You should just be in VOO with that amount of money.

thatdudejubei

LOL having both VOO and VGT is not diversified at all. You probably have let's say around 30% of your portfolio in three stocks. Nvidia, MSFT, and Apple.

9G_Turn

Legit question, does VOO buy the same stock/shares as SPY?

rodneyhide69

A lot of people listing companies like Google and Meta - is there really that much point in investing some of your 20% ‘growth stock’ allocation in companies like this that are so heavily weighted in the key ETFs like VOO already? GOOG is like 5% of VOO, so if your portfolio is 80% VOO then 4% of your portfolio is essentially already in GOOG. Makes more sense to me to allocate to higher growth stocks outside the S&P500

NYGiants181

Not people that invest in VOO and the like

financiallythriving

Realizing the gains it could’ve been if VOO and chill instead of

Suspicious_Worry_198

It’s reasonable and I think this is reflective of the approach many people choose. I would feel a lot better if you threw that $55k at the mortgage rather than putting it in VOO. I love a guaranteed 6.875% return. And I would rather see you layer in risk over time rather than all at once. You’re making enough money to build up that etf portfolio in monthly chunks, if that’s what you want to do. But you can also split that and use half to keep making extra payments towards principal on the mortgage. If you’re able to refi at a lower rate, then reevaluate the split at that time.

More-Advertising6587

Which would fit with my QQQM, VOO, and what do you believe the break down should be?

sunburn74

The trick is to choose a different ETF. Rather than VOO, go SPMO, VGT, or CHAT.

Andus35

That’s the gray area in this. “Substantially Identical” is never clearly defined by the IRS. So you are having to make a judgement call there. VTI is a total market fund, and VOO is an S&P500 fund. Those should be distinct enough to not trigger a wash sale imo.

LostMyTurban

What does "substantially identical" count as? I've been swapping between VTI and VOO for IRA/accounts to avoid this.

SeesawBrilliant9488

For years I used to put some savings toward invest and hold into VOO. A friend told me about covered calls and PMCC. Seems like PMCC would give the best return on capital and mimic an invest and hold strategy. Any suggestions on other things I can try for a fairly simplistic and risk limited strategy?

flyingcrane_toMoon

I learned this lesson hardway. thought I am too smart and went for individual stock. Best to do 50% EFT (SPY, QQQ, VOO) and 30% mega cap (with great business) and 20% cash

stupidber

CVNA in s&p makes me want to sell my VOO

Competitive-Strain-7

https://preview.redd.it/fyq1pxt90h5g1.png?width=593&format=png&auto=webp&s=9967bae6958267f9dec0714cea42edd1b871de78 Might as well VOO and chill bro

duqduqgo

Risk adjusted return measures (dig deeper with Google or your favorite chatbot) are one of the best ways to compare. Options are leveraged, long VOO shares is not. That's why you have to normalize returns in some way, and a common way is via risk taken for returns realized. You're instincts are correct here, though. Leverage and turning over capital in a given time frame are the most statistically possible routes to outperformance versus your benchmark. Realize also that a large sample size is required across a range of market conditions is needed to know whether YOUR under or outperformance vs your benchmark is due to chance. Without going into the math, the number of trades you will need to complete is in the hundreds. It's probably an unsatisfying answer, but it's also a fact. In the real world different strategies will vary in performance in different market conditions. For example during the "lost decade" (google it) the SP500 went nowhere (range bound) for years and you could have absolutely killed your benchmark for over a decade selling strangles, CCs or CSPs if your timing was focused on the edges of the range.

sbcpacker

I've started selling stocks that have lost me money and converted them to VOO. And then I'm offsetting those loses by selling some of my higher gaining stocks (so that I don't have to pay as much taxes).

Local_Recording_2654

RDDT and GOOGL were my only non-VOO investments 🤠

weouthere96

If you want to sleep at night put half in VOO, VT, SPGI and chill.

d3so

Put it in VOO and chill

I_like_code

I do VTI and VOO in retirement accounts. In my Taxable account I have MSFT, NVDA, SCHG, and I sell options. I suppose Msft and NVDA are solid choices though. Volatility is rough on some days. I’ll move over to something that gives me more peace of mind at the end of 2026.

Heyhayheigh

Forest gump came out in 94, if you bought 1k AAPL (forest bought in the movie) then and held until now, that’s like a million dollars. Concentration is good for wealth creation, and you’re right, it is risky. I invest in single stocks I like the same way I do VOO or QQQM, buy auto and weekly and only sell when I have urgent bill to pay for (so basically never). If you’re young, and you don’t panic sell, you will be fine. If you choose stocks you have to monitor, you already messed up. Nothing wrong with buying companies you believe in, accumulate and set to auto. You can do both: ETF, and buy good companies. If you gamble and get burnt, learn the lesson or don’t. Life goes on.

Swimming-Pickle946

You need to buy VOO and add to it every month. Look at it again in 20 years

expendiblegrunt

Should have stuck to VOO

Extaz

It’s not rocket science. Anyone that invest time and effort to build a diversified portfolio with names that beat the market on average can do it. Why is this so surprising? Even If a person puts their life savings into on of the mag 7 and park it their for the whole time he or she will beat the SP500 over a 10 year period. Higher risk yes for sure. But you don’t seem to grasp the concept of buying assets that has a higher cagr than the market will make you also beat the market it is really that simple. But continue to invest in VOO I’m sure it will be a thrilling ride for you

chuckroastvalue

I'm up 40% YTD swing trading shares in my 401k (and selling CCs as we chop around the past month) while S&P is up 16%. yes it is all a form of gambling, but done with proper risk management, there's never even a chance of the huge losses you see posted on here. I keep saying if I can't 2x the S&P, I will just VOO and chill. my taxed "safe" account is up 20% (way more than a HYSA) and my taxed gambling account is up 140% (It was up over 200% at one point but I used proper risk management and didn't revenge trade it into the ground like some regards do). my edge is not being retarded and checking my emotions. I truly think that profitable trading is not hard on an intellectual level, anyone can follow the signals I follow and trade hot sectors like I do, the difficulty is being able to control your emotions and stick to a system when the shit hits the fan.

Icy_Jelly_315

Sure but only for the laughs, I have been long VOO since before the time your mom turned professional, and all I do is reinvest the divis. Good feeling.

No-Woodpecker7462

ATP just put 56.89 in VOO and leave it there 😭

Citizen-Erased-763

Is it so hard to just VOO and chill. You would have been up 😂😂

alphalegend91

coulda put it in SPY/VOO and literally just doubled it in the safest way possible lmao

Extaz

That will work best for most people but it sure as hell very boring and beating the market isn’t that hard if you take the effort and could be the difference of retiring 10 years earlier or similar. But I agree for most buying VOO is much better

BogleDick

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.

alphalegend91

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

denialof_

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

baseballer213

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.

LeBhikariLe

call gains from this morning ported into VOO and GOOGL. Love it

SuperHeroww

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.

Typical_Army5719

Should have put it into an etf like VOO

thesunriseking

VOO is over $600 right now and VT is $141.

Bannedfrompopeyes

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.

Capital-Value8479

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

misterbluesky8

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.

baseballer213

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.

Hosstar881

Glad I don’t know how to do this. I’ll just sit on my VOO and QQQ.

orangeyougladiator

$VOO

joe-re

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.

iMakeGOODinvestmemts

benchmark the sp500 lol. $AMZN has underperformed BIG time against its peers in $QQQ $VOO. Literally horrible return...lol

thesunriseking

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.

Hungry-Brain-3287

VOO

Apprehensive-Mix4473

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.

thatfunkjawn

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.

AdventurousRhubarb47

Wild how people will gamble on this and not just put their money in VOO

rare_pato

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.

LunkerDunker13

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 :)

Icy_Jelly_315

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.

No_Complaint7196

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.

blm4lyfe

Just bring my meme port to breakeven and I’ll quit and just do VOO and chill 🙏

Senior-Jaguar-1018

VOO and chill on xanax

Gold-Release-1186

Oh my goddd I'm gonne have to buy some VOO to get the volatility back

HeckleHelix

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.

MediumLanguageModel

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.

dassketch

The investment equivalent of delete my search history - *liquidate my portfolio, put it all into VOO, and tell no one my cost basis*

Appropriate-Study429

VOO

gjp23

VOO

chf_gang

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.

Significant_Sea_4230

Well nothing beats VOO and chill.

dukerustfield

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.

Iunatic

Stop thinking so much about these things. Just buy 90% VOO and 10% UPRO and you'll probably outperform most of the regards here

Unable_Aardvark_2213

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?

Good_Ride_2508

>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

Skiiskici

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.

Tricky_Let2806

Yup this is VOO circlejerk subreddit. No balls, no glory

Stock-Ad-4796

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.

drbigtoe

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

Successful-Post-4023

You can buy VOO at Chase. You can even buy Vanguard mutual funds and money markets with no fee.

Sick0h

Everyone says VOO and chill but I can’t find chill. Is that like a refrigerant ETF or something?

BrisklyBrusque

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

BoogieMan876

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

Massive_Confusion_23

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.

Beneficial-Ad-9986

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.

Heyhayheigh

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.

LeBhikariLe

you could invest in META and watch it burn, or just put in SPY/VOO and watch it grow slowly

Tru3insanity

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.

Jimmyjane2

You should be proud of yourself. Just hold less cash and add more to your VOO & stocks.

BastidChimp

60% VOO, 40% nuclear energy stocks (OKLO, LEU. CEG, VST, VRT, NNE, SMR)

Hwangoutpltr

BREAKING: You can hold btc and VOO at the same time

Misaka9615

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.

Confident_Many4898

I've got some VOO and NVDA in my Roth, and 100% in FBCGX in my 401(k). 25 years old.

Horror_Attitude5481

part of me hopes i blow my trading port so i can finally just VOO and chill with a clear mind.

Happy_Discussion_536

Hint: neither do institutions, 90% of them can't even beat VOO.

therealjerseytom

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.

greenpride32

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.