VOO

bwhite9

SPYI works by buying the the stocks of the S&P500 at there market wait then selling covered calls on those stocks. This is called a “covered call strategy” In the long term a covered call strategy is expected to underperform the the assets it’s selling covered calls on. If you do a quick compare to VOO that is what you should see. These kind of funds also tend to have higher fees. If you want to increase your risk to get a better return SPYI is not an efficient way of doing so.

SnS2500

Stock dividends are not like bank interest. Get SGOV or a similar t-bill tool to get 3.75% interest... and/or buy VOO/IVV/SPYM for the S&P500 equity return.

sharp315

The S&P 500 is a specific index of the 500 largest companies in the US alone. SPY, VOO, IVV are all S&P 500 ETFs with minor variations in portfolio weighting. VTI includes all companies traded on the NYSE and NASDAQ in the US. it is not an international ETF. FTSE is a UK exchange so this does not include US stocks.

Dr_Zoonotikstein

That's what happens when you try to make an investment portfolio out of concentrated stocks that should be actively traded instead. Any one of them could go +/- 30% for any reason, or no reason at all. If you want to buy and hold, just VOO n chill. If you're trying to day trade, you should learn to cut losses long before your positions are down 35%, or 69%. Jfc

gulfstream-intel

Wanted to clear up the tax angle, since it keeps coming up here and it's widely misunderstood: there is no tax \*penalty\* for selling immediately. If anything, selling right away is the tax-neutral move. Per the IRS (Topic 427 / Pub 525), an immediate sale is a disqualifying disposition. The discount is taxed as ordinary income — it lands on your W-2, and you'll get a Form 3922 documenting it — and that amount gets added to your cost basis, so your basis equals the fair market value on the purchase date. Sell the same day and you have essentially no capital gain or loss; you just pay ordinary income tax on the discount, which you'd owe whenever you sell. Holding longer only changes the tax character of \*post-purchase appreciation\*: to get capital-gains treatment on the gain above the purchase-date FMV you need a qualifying disposition — generally 2 years from the offering date and 1 year from the purchase date. The discount itself stays ordinary income either way. So holding for taxes only pays off if the stock runs up meaningfully after purchase — and at that point you're making a bet on the stock, not executing a tax strategy. The honest reason most people sell immediately has nothing to do with taxes: concentration. You already get your paycheck from this company; holding its stock doubles your exposure to one employer. The discount is compensation — bank it and diversify into the VOO you were planning to buy anyway. The $25 ticket fee is a separate question of scale: at $425/quarter it's absurd, but transferring the shares to a cheaper broker before selling (as a few people mentioned) fixes that.

PostOfficePerson

Fuck it I just sold around half of my VOO to buy shit that's actually going up. I'm so done with this shit barely moving the past few months.

sharp315

VTI is a total US market ETF. VOO is a total S&P market ETF. considering you have $4k in your account I would be looking at broad based ETF and not trying to take big swings with private equity.

harrison_wintergreen

CAPE ratio of 41, indicating very high odds of returns near 0%/year over the next ~10 years. https://www.multpl.com/shiller-pe and this chart shows CAPE projections 1995 to 2020, compared to actual market returns. https://www.advisorperspectives.com/images/content_image/data/d2/d2eb1e86ba3492ef907fef2a4da80df1.png blue dots are CAPE projections, red dots are actual S&P 500 returns. anyone under age ~40 has zero experience with a lost decade in the market. lots of young investors will learn a painful lesson about VOO and chill.

sapani9077

What's wrong with VOO?

HoneyBadger552

The returns fall far short of VT and SP500 funds. There is a wide gulf  between Schd and say VOO or similar

sharp315

no, you should not be investing in private equity and more specifically you should not be investing in direct PE companies. stick to VTI or VOO and yourself the heartache and headache.

PostOfficePerson

I'm making a prediction. VOO will not be the same price 8 hours from now.

Witty_Elk3874

nice plan but especially the QQQ/SMH and 6% single‑name (NVDA) looks like over‑concentration; consider upping the large‑cap core to about 90% VOO/VTI and putting the 10‑15% into diversified growth or international; keep a bond ladder for the 40‑year‑horizon and test your 10‑year trailing rule against a realistic drawdown before you lock it in.

SuperOrbital_Trading

The best strategy imo is not to day trade. The vast majority of people would be better off just putting that money into VOO or something like that. So if you are asking for what the best strat is, you probably fall into that basket.

Successful_Rabbit907

VOO - 50% VXUS - 25% ISRG - 10% NVDA - 5% USAR - 5% CEG - 5% I'm 24 studying mechanical engineering & I want to start investing long term. How much should I put in roth ira vs taxable accounts? Any advice on the port is welcome I'm going for a basic core-satellite structure.

Vlisa

Being convinced that the market will catch up to you is how you become a value investor balls deep in NVO and PYPL. Just accept statically that we are all likely to lose to VOO in the long run and invest accordingly. Maybe SaaS shoots up next week, maybe it doesn’t, but market can ignore what you see for as long as it wants.

Financial-Seesaw-817

That is completely false. Just google it: Investment Restrictions: To protect the funds during the growth period, investments are strictly limited to low-cost, broad U.S. stock market index mutual funds or ETFs (such as funds tracking the S&P 500) with management fees capped at 0.10%. $5k annual contributions cap. At 18, it becomes traditional ira. Can be converted to roth. Or cashed out but taxes apply. If it was anyone else but Trump, everyone would be raving about it. I mean ... If a child receives the initial $1,000 government seed and their parents completely max out the account at $5,000 per year in Vanguard S&P 500 ETF (VOO) from birth to age 18, the portfolio is projected to grow to $256,355 by age 18. If that total amount is then rolled over into a Roth IRA and allowed to compound with no further contributions until age 59½, the account is projected to grow to a staggering $13.38 million completely tax-free. If you continue to max out the Roth IRA annually from age 18 until age 59½, the projected final balance increases to $17.22 million entirely tax-free. By manually contributing to the Roth IRA during their adult working years, the child adds an extra $3.83 million to their final retirement nest egg compared to letting the childhood balance compound entirely on its own. According to google calculations. Hate and be poor or have rich child. 🤷‍♂️

Forded_Fiction24

A Roth shelter's held positions from capital gains. The bull case for BTC puts BTC having a potential for some lofty gains, for example Fidelity investments predicts $1Billion per coin by 2038-2040 when now it's only ~$82k Something like VOO alternatively isn't expected to have near that same volatility or potential for extreme gains So just to make it easy and hypothetically speaking less say you made $50 million in gains on BTC vs over the same time made $5M in gains on VOO. 15% of $50 Million is $7.5M. 15% of $5M is $750k. So would you rather save 15% capital gains on $50 million or 15% capital gains on $5 million. Btc has the advantage here clearly IF those extreme valuations pan out. 

Ble_h

We all know VOO and chill is the best play, but when the market opens tomorrow, we will continue to buy 0dtes.

Appropriate_Scar_262

How is that an advantage of BTC over VOO then?

AnotherThroneAway

Age is the central question. Or brass tacks, number of years you plan on living, I suppose. In any case, this portfolio doesn't make much sense. 8% QQQ? Why bother, considering the overlap. And OP cites NVDA as a single stock, but it's the biggest position in both QQQ and S&P. Just pointless. /u/Inevitable_Abies_777 not trying to slam your concept here, but it's just fussing around the edges. If you're going risk-on, just VOO it up, or if you're looking for a reason to actively oversee it, 90%+ VOO with a splash of individual SMH components. Otherwise, you're better off derisking from the S&P, not leaning into it. Take a lesson from the train industry—the sign is a big RXR—as in, do not cross Risk and Retirement

Vlisa

I think this is why I see “wealth conservationist” advocating for more VTI vice VOO recently.

Shredded__

Look into SPMO. Aggressive, but has highly outperformed the S&P over 1, 3, 5, and 10 year. History cannot predict the future, but it's been pretty solid compounding returns for me over my VOO allocation. For International, I use a 4 fund sleeve instead of VXUS to be diversified, but aggressive.

Vindaloo6363

Everyone is buying lower cost VOO now?

FRAB13

6/10. Diversify at least 25%. 25% on VXUS. 10% QQQM. 10% SMH. 55% VOO.

sungod10126

Telling your mother to invest all her money in the VOO is the reason why she should have a trusted financial advisor and not listen to you.

Critical_Reveal_2207

hey, the real issue isn’t bots popping up – everyone knows that. it’s that the click‑bait line "DCA into VOO" gets auto‑generated because it’s the safest, most templated response. AI writers sprinkle it everywhere without looking at your debt, taxes, or risk tolerance, so personalized, actionable advice gets buried. a stricter mod policy that flags ultra‑generic bullet lists could restore some depth, but that’s only the beginning.

Own-Recipe5908

Eh, spy did go down on the openai news and SPYD went up over a percent. Sure, you won't be ruined holding VOO/SPY, but SPYD and RSP will be the winner medium-term.

Iunatic

Even just VOO/SPY itself won't get hit that hard since funds just move into the non AI stuff in the index like Apple Wmt and the other defensives. VOO and chill retards stay winning

thewimsey

> but there’s really no good purpose for the subreddit. There is if people want to have those kinds of conversations, which happens occasionally. But "DCA into VOO" is usually the correct answer because the question is usually either "I've just started investing, what do I do?" or "I invested a lot into three random stocks, what should I do?". If the sub got more questions like "I'm going to retire but don't want to take social security for another 4 years, what's the best way to set up my $1m portfolio to give me a stream of income to cover those 4 years", you would get more varied answers.

Sufficient_Habit5091

VT is basically a mix of VXUS and VOO. It's like a less bearish version of hedging with VXUS.

BarbellPadawan

Nah. Trade it. You’ll do way better than VOO!

gigglychaddy

1 and half year after graduating and I got $170k in brokerage. I’ve been hearing that putting that much in VOO will give me a smooth ride for the next 40 years of my life. But looking at the state of the economy I don’t think this banana republic will be able to offer me anything comparable at a reasonable price in 40 years. Hell I might even get my head blown out by a terminator. Or I might turn into a titan when big Yahuu scream because of that ‘Rona vaccine I took.

Jellydude25

Genuine question: Why put the $200k in VOO when one could put it in SPYM? Same amount of capital but way more market exposure.. Aside from liquidity, I don’t see the benefit of VOO?

javfan69

Pacals Wager has been abandoned by all but the most regarded apologists and this mofo using it to bet all his $$$ on🤣 You critically downplayed the downside and ignored many other downsides; 1. You might be worshipping the *wrong* god, and thus angering the right god/gods. Wagering on things *you have no comprehension of* is naked gambling and more dangerous than doing nothing. 2. Even in a universe with no gods the downside to believing in a god as a wager is *that you wasted your one and only fucking life*. In a universe with no gods your life is many many many more times important than Pascalists admit in their childish wager. 3. The position "I didn't believe in a god because I couldn't find sufficient evidence" is a position a just and moral god would understand, so therefore the entire wager is bunk 4. Likewise, a god would know you're believing in it only to hedge a bet, and thus not like you. In other words, if you don't know what you're doing VOO and chill. (I own some Mu btw, but not my ENTIRE port).

frosteeze

The solution to every post or question in this sub is just DCA into VOO. Which, to be fair, is really safe, but there’s really no good purpose for the subreddit.

OrdinaryTrainer454

you'd rather have your own agent read r/investing for you? the arguing with strangers is the entire product here. Mine just tells me to diversify and buy more VOO, which I could've gotten for free from my dad.

Ok-Adeptness-5834

My boomer parents are getting way better advice asking AI about pretty much everything. You have financial advisors telling them to pay them 1% a year in fees and AI telling them to just buy VOO

Ok-Boot-6454

The "how old are you, what country do you live in" bit always gets me. I came here to say VOO and leave, not apply for a passport.

Kentuckyquestioner

Because it represents more of the market. Less concentrated. If you look at past performance, it underperforms VOO during bull runs, but doesn’t fall as hard during corrections/crashes. 

AdamantEevee

Why do you think VT is less risky than VOO?

PaperHandsTheDip

Meh, derisk is never bad. I rotated all SOXL into VOO due to vibes decaying.

PaperHandsTheDip

lmao, I rotated to almost straight VOO for the weekend.

loud1337

If you believe in the investment and also understand that it goes down just as fast, then that's up to you. I personally keep my Roth IRA in more traditional methods as you are limited in how much you can add each year. VOO and Target Date are my only Roth IRA categories.

leaning_on_a_wheel

What’s the case for bitcoin over something like VOO?

Clubpenguin8888

You’re fine since you’re young. I’m 45% QQQ 10% BTC and 45% VOO

WorryDesigner8152

seeing your VOO go up $40k in a month must’ve been surreal 😂 but the part about time being your best friend really hits at 23. sometimes it’s hard to remember that building wealth is a marathon, not a race. appreciate the advice!

mundolingua

My VOO fund went up by $40K from mid-April to mid-May, so up by $10K per week on average, and I’m only 33 y.o. Time is your best friend when you’re young :) ignore the news and keep investing. Time will do the work for you.

Sudden_Way_5241

Most of my retirement is VT. I'm looking at allocating new funds in a new way to give beating portions of the index during hard times my best shot. I'm still at the drawing board! Which 4 funds would you recommend? VOO (or SCHX), AVUV, SPDW, AVDV?

Good_Ride_2508

May be some risk management rules help you. Calculate possible peaks, and deploy portion of cash to stocks, like 10% or 25% or 40% or 75% depending on the stocks and DCA when stocks/etfs goes down. For example (may not be yours, but for example): I invest 70% in VOO and 30% bonds, whenever VOO goes down 5%, I rebalance with same 70:30 ratio like that.

Sudden_Way_5241

There's little overlap aside from the broad market funds which were intentional. The one hole is midcaps. Since Oct of 2021 which is how far back the avantis funds go, the US portion of the portfolio would have returned 16%/yr compared with 13.5%/yr VOO and 12.2%/yr VTI My international holdings produced 13.6%/yr in that time also outperforming VOO alone. SPDW had a 10.1%/yr over that time. Combined, this port produced 15.3%/yr outperforming VT's 11.2% I had Muse do the calculations because it has access to necessary historical data.

Lazy-Gene-7284

“How realistic is doubling an investment over 10–15 years without taking excessive risks?” This is a very realistic goal over that time frame, and with a number that big I’d start with at least 80% of that in an index fund like SPY or VOO. If you don’t own a house you live in now for sure use part of the rest for a down payment on a place you can afford. Both of those investments have proven great for me, as was a business.

PidgeySlayer268

Easy, Invest it in VOO which will most likely exceed that, or if you want a guaranteed thing invest in %6 bonds over 15 years will also slightly exceed that.

Kentuckyquestioner

An actually responsible bear doesn’t pull out of stocks or short, but derisks. I’m moderately bearish, but all I’ve done recently is pull out some QQQ and VOO to put into VT.

gulfstream-intel

I like the intent, but I'd pressure-test the "meets or exceeds VOO with broader downside protection" framing — that part reads like having your cake and eating it. Value and momentum are fine factors, but neither is a downside hedge. Momentum has had notorious crash episodes, and value has gone through multi-year stretches of underperformance that tested everyone's faith in it. If you want actual downside protection, that's a low-volatility or quality tilt, not value/momentum. The other thing I'd check is how much of this is just the S&P 500 wearing a trench coat. With 23% SPMO + 23% AVLV + 13% VTI plus the international large-cap funds, there's a decent chance the factor exposures net out to something close to market beta with extra expense ratios and rebalancing headaches on top. Worth running the actual overlap before assuming you're diversified. None of that makes it a bad portfolio — AVUV/AVDV are solid, well-run funds. I'd just calibrate the pitch: the realistic expectation is roughly market-like returns with different tracking error and hopefully a modest long-run factor premium, not outperformance plus protection. And in the brokerage account, rebalancing by addition is smart — keeps the tax man out of it.

Trick-Scientist-4666

I’m in VOO and QQQM. I invest $1K/week alternating between them. Anything extra I put into specific stocks like PLTR or SPCX. Even if the market tanks…QQQM is still the path long term. All tech is here to stay, forever. If not planning to retire in the next few years, welcome a tank in the market…especially on the tech side. Then you just keep buying that QQQM indefinitely and reap the rewards when it bounces back.

YellowFlash2012

here is how to trade options: You put all your money (savings, paycheck) into something like VOO. VOO pays you dividends. You take 20% of that dividends to trade options. If it goes well, fine. But if it goes against you, fine too because it's just pocket change anyway.

Federal-Watch

60% VOO, 30% QQQ, 10% on whatever you want. Once the 10% hits your target e.g. 100k, rebalance back to 60%/30%/10% and continue on. Don’t buy options unless you have very high conviction in a move occurring, only sell options. If you don’t wanna sell options, just trade shares, no positions above 10% of port, rebalance if it happens. No leveraged ETFs because of vol decay unless you have high conviction in a sustained directional move. Set rules for yourself around psychology to take the emotion out of it e.g. if you’re waking up thinking of a position, it’s probably too large/risky for you and you need to reduce position size to more manageable

PaperHandsTheDip

I rotated into VOO & memes lol

mgz5008

I feel you brother. I was just having some fun at your expense. In all reality, just stop gambling with options and 0dtes and put your cash into some *relatively* safe etf like VOO or VTI or the like. Hope you do well from here on out.

PaperHandsTheDip

maybe. I rotated out of leveraged shit before close into VOO

TheRealArmament

I think it’s time you throw in the towel and just VOO

FLGuitar

You are 19. Not the end of the world although I am sure it feels that way. You should VOO and chill.

btsd_

Lol, no, its gambling but if you think we will be rangey next week I to the following week and still belive we will make another nice run to ath before a bigger correction in November as I do, then its not that terrible of a bet. I have some dry powder as I sold off some boomer VOO and other index funds on the 7th, at a decent high and am looking to redeployment for a quick buck https://preview.redd.it/m62ra824siuh1.jpeg?width=1439&format=pjpg&auto=webp&s=43794e4895279f4be8c08c66091b42f9ba0e6390

PaperHandsTheDip

Next week up or down week? Was unsure, so punted almost everything into safety of VOO

Intelligent_Can_7925

You sound dumb when you make this kind of comment. It goes into SPYM, no different than going into VOO.

Acceptable_Bed_6033

I am now the proud owner of 6! Shares of VOO

No_Bedroom5307

Yep. Market is largely set it and forget it for most ppl with more widespread etfs and now bot trading. Leverage allows more leverage which allows more leverage too. Ppl underestimate how much ppl are just “diversifying” thru VOO auto buys etc. So much “welp I guess this is a good trade and the gov will always bail us out”, even amongst high end managers. The PROBLEM is we have not had a reason to stop (other than pesky logic and prudence)… so we keep going. 20 years has given us no consequences and a lot of “waaa daddy gov bail me outs” Which has led to a new environment that ppl refuse to fully recognize or understand When this corrects or even massively plummets to off tbe cliffs of insanity - when - then hindsight will be 20/10. Everyone will say the knew the issues but hide the fact they lost their shirt or home bc they didn’t have conviction to ACT on those “I always knew this” instincts lol 2008 was just a warm up. And 2020 made gov seem like it’s spelled with a D instead of a V. So ppl worship the markets god as infallible. When the lesson happens, and it could be a month or it could be 3 years - ppl will be so shook that they will possibly not trust the system at all. Even when the system rebuilds from the bottom. Or hey. Maybe we will jsut inflate aways the lower classes (and I do mean anyone making less than 10 mil a year) and become an aristocracy. We always were jealous of Europe. 🤣

pitbullshogun

Thank you for the recommendation. I usually VT/VOO and chill but yesterday i had a gut feeling and decided to throw something into this.

crossdefaults

According to Google VOO annual fee is 0.03 percent per year. ?

BarbellPadawan

1%??? So the ER on VOO is 100 basis points above VTI? I’m skeptical but don’t care enough to fact check this either way.

culturefan

There's no way to avoid the taxes, however, you don't have to pull it all out NVDA or any other stock. You can sell a quarter or half or whatever amount and let that ride until next year. I don't think you'd have to worry much about NVDA dropping to zero any time soon. So where to put it into something less risky? Probably an ETF like VTI, VOO, and other such funds which are a basket of stocks. If one goes down, another probably is going up that day, so they are diversified.

RagnarokWolves

VOO and chill baby. Probably gonna be a correction at some point but it'll be an opportunity to get things on sale.

SanDisk_Made_Me_Itch

Old habits. I guess I’ll DCA into VOO

Delicious_Put_5857

u must have a VOO (VT preferred imo) account where u do not have any opinions. its a hedge against your opinions being wrong

SanDisk_Made_Me_Itch

I want to take all my cash and just VOO and chill. Retire from this place. But I also know this market will correct the day I do that.

SanDisk_Made_Me_Itch

I have a lot of money that I want to VOO and chill but I’m waiting until 2027 to see how all this pans out.

sleezly

For 10 years, better off buying VOO (and chill).

Cute-Setting-4491

i heard about that SPCX pull‑and‑push saga, and while a $75k swing win is kinda sweet, the 10‑16 puts you dropped need death‑gasp patience to die off—or better yet, a stop‑loss. three traders say a plain long/short may do it, i kinda agree; the sweet spot for a lower‑middle‑class gambler is keeping a chunk in a broad index or a covered‑call fund, not chasing the next 10% move of a SPAC that just came out of stealth like a bad surprise. if you’re setting the kids’ future on top of this, a couple of VOO shares vs. a tuna‑soup of options could get you more peace of mind than a 2‑day swing. dont forget the employee‑share lock‑up will probably dump the price if the company rides out the season, so a more defensive hold might be… helpful.

MrNo_Balls

If he had held 800k in Robinhood's high yield cash he would have been making 2.4k/month and could now rotate those 800k into bonds and get 3.66k/month. I think that is more than enough to retire, but if you think it is not that interest is enough for a decent bet per month. VOO would not pay dividend high enough to retire.

Candid_Author_8029

Regard put it in VOO and you can retire

Severe-Weekend-6664

That sounds like a solid approach. With a long-term horizon and moderate-to-high risk tolerance, VOO as the core holding makes a lot of sense. I’d probably just keep contributing consistently rather than overthinking the entry point. The bigger advantage is staying invested through the ups and downs

Severe-Weekend-6664

Honestly, I was mainly comparing them because I was looking at the balance between simplicity, diversification, and tech exposure. VOO is probably the best fit for the set-and-forget approach, but I was curious whether the additional tech tilt from QQQM or the broader exposure from VTI made more sense over a 5–7 year horizon. Not necessarily looking to move away from VOO just trying to understand if there’s a compelling reason to.

sirzoop

Warren Buffet recommends investing in 90% VOO and 10% BIL even despite this: [https://www.investopedia.com/how-warren-buffett-s-90-10-rule-offers-a-simple-investment-strategy-for-everyday-investors-12067531](https://www.investopedia.com/how-warren-buffett-s-90-10-rule-offers-a-simple-investment-strategy-for-everyday-investors-12067531)

spilledonwhite

ohhhhhh so CULTURALLY lower-middle. thanks for sharing your story and your service. for the love of god park a chunk in VOO and forget about it.

KeyTrainingk

Hey, saw your take on VOO vs VTI and QQQM. I like the set-and-forget approach, but now I’m curious what originally made you compare the three in the first place. Are you looking for something different from VOO, or just second guessing it?

wallix

VOO has been a disappointment for me so far. I put some in QQQM and VOO and Q has been eating its lunch and asking for more for months. Hopefully in the big pic that will change. I am an impatient person, though.

pr0prfkt

There is no such thing as low risk. Everything has trade offs. The market doubles every 7-10 years. If that 100k is there for 7 years then it could have been double in simple VOO. That is the tradeoff. Let’s say hysa gives you 20k over those 7 years. You will have have 120k vs 200k. And then there is the effect of compounding. You don’t get to 21 years invested without getting through the first 7, etc. You’re a business owner. You’re likely too risk averse (ironic considering own business is riskier than VOO). Find a trustworthy pro to discuss these things with. But in general, auto invest part of your income and don’t panic sell is how it works. I personally don’t like hysa, much prefer SGOV in a Fidelity account. At least the brokerage will compare to benchmark and you can see what you have up compared to sp500 (VOO). Banks don’t give you that analysis, they just let you get eaten up to inflation (their business model). Best of luck!

procheeseburger

I moved to VOO and chill a while back and it's the best.. I actually took some profits on the recent run to buy a car. Welcome to the easy life!

mngu116

Don’t forget VGT! VOO! SMH

gavaduno

If you don’t know enough to pick individual stocks, what makes you think you can pick an ETF? IMO just VOO or VTI and add some VXUS and you’re done.

ordinaireX

Take two, Trimble, Reddit, micron, and VOO

cbr777

holy fucking shit, where do you people get so much money to lose? If you put that shit in VOO and chill you'd be living life in easy mode.

Agile-Radio-6415

For anyone interested in more diversified investing, there are equal-weight SP500 ETFs. It is misleading to assume that buying the SP500 is only VOO, SPY, CSPX, etc.

trix_is_for_kids

Because he still wants risk that’s why he went all in a qqq equivalent, not even VOO.

redditissocoolyoyo

VOO and VT man....

Own-Atmosphere-8629

i tried to focus on individual stocks a few years ago but then realized i don't have the time, energy, and dedication to do so. i'm just throwing all extra cash into VOO (sometimes VXUS) and hoping for the best

music_is_gud

VOO

Aggravating-Rich-356

If you invest 500 bucks into VXUS monthly starting at 18 as a retirement strategy, when you get to 65 you can expect to have 2 million bucks. Over that time, you will have received somewhere between 60,000 to 90,000 dollars in foreign tax credit plus around 3k to 5k every year going forward. Thats pretty significant and all simply because you chose to split VXUS with VTI or VOO or some other ETF instead of VTI. One simple change. Not sure why you arguing against doing it when it only makes you more money

Past_Yogurtcloset_51

Ok so i have everything in VOO and make 50k in a few months. Its happened before and I dont sell because I want to retire one day.