VOO

rebuildingblocks

AMZN is one of the most heavily weighted stocks in VOO (\~4%) so for a beginner, no need to own that separately.

DrB00

Time in the market beats timing the market. Just slowly put money in. Don't over commit. Diversify what you invest in. ETF's will help diversity of investments. Like VXUS and VOO are both suitable broad investments that don't really overlap. Take some time to read and learn.

GiraffesRBro94

100% - March of this year VOO was back down to around where it was in August 2025. If you didn’t buy back in, then when will you? If you couldn’t hold in 2025 how are you going to buy if markets drop 25%?

613toes

Dude your post history is scary as fuck. Reconnect with nature or smt then start a path of redemption with zero gambling VOO and chill. You’ll be fine. Strength and honour brother

Dazzling_Marzipan474

At 30 you can literally just max an IRA in VOO each year and be set for retirement

Field-Artillery-13E

VOO and QQQM are made for 30 year olds...

Conscious_Bug5408

You're not even 30. 20k at your age doesn't matter. Especially living with your parents, that's like a few months of work even with a median wage job. I think I had 10k for the first them when I was 30. I crossed 1 million when I was 38. No options, no margin, just having a good paying job, getting married with a woman who also had a good job, then bought a house precovid and bought and held stocks plus maxing out 401ks into VOO

StardustWithH20

Can you explain why VOO? For someone who just started looking into stocks again.

illcosby666

My fellow apes, I need some help. I don't have it in me to gamble with leverage. I'm a blue collar monkey who's way too exhausted to know what's what anymore. I hardly have time for research, and I don't even know what to research anymore. I was here for the GameStop debauchery but have long since stepped away from trading. Nowadays I have a good job, some actual savings, but I'm so far out of the loop I don't know where to start. I put 80% of my savings into VOO with automatic buys every payday, and I'm gonna leave that be. But for the other 20% I'm okay with some risk. Where do I start, and what information do you guys use to influence your decisions?

Antique-Campaign-738

Or just VOO & forget about it

JohnBrownsErection

Ignore these other nerds saying VOO and go SPYM. Same thing, lower expense ratio.

Kitchen_Steak8218

VOO?

Zestyclose_Virus_473

I’m new to investing even though I’m 55 years old, but this question shocked me and I hope it’s ragebait on their behalf. If not hope it all works out 👍 Now for me, I’m currently dealing with cash savings of about 300,000 that was in the bank (stupid I know) I have thus far put most of that into SGOV and bought little entry point on VOO and small amount of Google as my high conviction stock for the long run. I’m having the hardest time understanding how to enter this market. I thought I could wait for dips. Dips never happen lol should’ve learned what I read about time in the market now I’ve seen frozen any suggestions as we sit on the high again? I was going to invest in VOO about to 55% 20% QQQM 10% VXUS (international) and 10% SCHD and 5% Google. For Roth a 70/30 VOO/QQQM Outside of the above, I have 401(k) that slowly reached about 330 K. Just for overall understanding as well as as 80k still in my savings as immediate use emergency which I know it could be smaller. Any help would be appreciated.

It_just_works_bro

When you get it back.... just put it in VOO bro.

netpirate2010

Yeah, I thought Your post was interesting. It was nice to read something different from the usual stuff you see here. Unfortunately, it probably won't be very popular with the majority of people here. 😅 But I wish people were into discussing ideas like this more often. I think the sub would be a lot more engaging. I'm personally not a fan of the the one size fits all financial advice regurgitated on this sub day in and day out. I agree that if a novice investor is asking for advice on a forum, the S&P 500 is likely a good place to start. But hardly anyone bothers to ask the personal questions necessary to give solid financial advice. They just tell everyone the exact same thing. I'm so sick of seeing "Just sell everything and buy VOO," when the person just has a few ETFs and a handful of decent stocks that fit into a secular trend. They act like it's no different than going to the roulette table and betting it all on red! 😂 And I don't agree with the hateful treatment of others who advocate taking control of your own investments. Index funds are great for a lot of people but other investment products and derivatives exist for people who understand them and wish to use them. Regarding the diversification, you're probably right. The biggest risk is a gap down overnight, but it's highly unlikely the world's largest mega cap would lose a significant amount overnight without the rest of the market doing the same. It's only happened once that I know of (Apple in 2013) and that was only like 12%. The out performance over time significantly outweighs that. I think you have the right outlook. It's just intimidating for most people, myself included, to imagine putting everything in one company, especially in today's markets with algo bots constantly scanning headlines and reacting. Investing is a personal journey so how diversified you want to be, how much risk you want to take, how much volatility you're comfortable with, and what sort of returns you aim for are all personal choices. Some people are at a point in life where they're still trying to grow their wealth and others are trying to preserve their wealth. Some are trying to do a little of both. In my opinion, as long as your returns aren't negative over time and you're outpacing inflation then you're not really doing anything wrong.

No_Halo15

I know this isn’t what you’re asking, but a much much more valuable lesson especially at that young age is the lesson of boring index funds with compounding interest. Buy a fractional share of VOO and have him contribute a little every month. He’ll be amazed how much he has in that account by the time he’s 25 yrs old

No_Paleontologist506

I am very in tune with the nuances of decumulation lol. I am also super versed in deceased transition and can tell you many die having never spent anywhere near all that retirement account money. So all that meticulous inflation protection would likely be better served in VOO and chill. If only there were people out there who help folks with financial planning? Lol all good my man. You will figure it out. Best of luck!!

anthonydahuman

Just stick to investing in an ETF, like you said you dont have it, let someone else do it. buy VOO and mind your business. Look away. But yes to what he said. Those are rookie numbers. And you are 30. so young. Also, I'd say to stop gambling.

Notable_Naps

You're bro. Go do boomer shit and you'll be fine. VOO and chill. If you really don't comeback here. Good stuff.

Tough_Set2103

Life advice: come to WSB for the memes and to laugh, not to make life changing investment decisions. It's just $$ and you are still young. No reason to be rash. Grind now to get a job, then a better job, put 10-15% away when you can, emergency fund/savings first, then put the rest in VOO or some other index fund and let DCA/compounding so it's thing. Remember most of the folks on here have F around money or are just full of sh#t. And those with F around $ got it many different ways, much of it is grinding and working their ass off (and some are just lucky). Grind, take care of the mental health, make a plan, and go get it. Good luck.

turkeybags

Lol dude I'm a millennial. 95% of my NW is in VOO/VTI. You're the one is WSB trying to have a balanced discussion. You should feel silly. This is where people buy 0DTEs and talk crap.

Ok-Sheepherder7898

I think VT is fine. It really depends on what you think the world will do vs US in the next 30 years. Not very easy to predict! If you really want VOO then you can do 50% VOO 50% VT with future contributions.

pembaThePanda

Sold NVDA for profit at 200. Bought again at 220. It'll cross 220 again. Just sit on it. Selling VOO to get into NVDA is next level stupid. (Btw that's what I did too).

Difficult_Lecture948

VOO vs VOOG is what you should be thinking. I would take VOOG.

Mastasmoker

$1.7m going VOO and chill for me. Would never risk my retirement on such a clearly horrible stock.

Machine8851

I think AVLV is a good hedge if you have riskier funds such as SMH or SOXX, not broad based funds such as VT or VOO.

johntc121

Company got bought out and is no longer using the current 401k provider. I decided to rollover my 401k balance to a traditional IRA. It's about $30k Trying to figure out the best way to diversify the funds (as well as continue to contribute to the same diversification) What plan seems better (or any other suggestions)? Option A: 70% VTI 20% VXUS 10% QQQ Option B: 80% VTI 20% VXUS Option C: 70% VTI 20% VXUS 10% bonds Some other funds I have in my brokerage account is SCHD and VOO. Pretty new to investing, so these may not even be the best options. If you have other suggestions, please let me know.

testfire10

If you’re asking this question the thing you need to do is sell it and buy VOO with the proceeds. Nice tax loss harvest.

apurimac777

generational rotation out of SPY / VOO and into SPCX

rodentmaster

It weathered 2020 better than VOO and the S&P did. Fall 2022 it was still better. It only came down to meet VOO in May 2023 but then climbed away from it rapidly. In the past 3 years it has been head and shoulders above VOO. Using backtesting portfolio visualizer, investing 10k in Dec 2016 in both VOO and SPMO, no additional investing, no rebalancing, you'd have 39,073 in the S&P, 39,397 in VOO, and 61,656 in SPMO. [Let's see if this link works right, trying to share the chart](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=4mrzguxKAEZ8LAL09jrbuk)

tazjango

if I remember correctly, VOO isn't even going to add spacex yet. some etfs like QQQ have a sub 1% share, so you may see some gains/losses

Wumbo-Donger

Keep stacking VOO

greytrades329

u can wright looses off gains so sell then pay VOO taxes then buy it back

ultralightPOWER

200 a week is more than you need to max out your roth ira every year. They say “VOO and chill” for a reason itll save you a lot of stress and probably your hair. Recurring deposit weekly and dont look at it til youre 50

Machine8851

VT is well diversified, but VOO will outperform VT long term as it already has in the past. It really comes down to; do you want more diversification with VT or higher long term returns with VOO. I think most would choose higher returns and choose VOO.

effects67

only VOO. Teach them that stock picking doesn't work.

PapaPimp117

Got $20, should I just put it in VOO? or get lunch? lol

chinaski73

So I’m a VXUS holder as a smaller position to my VOO. Thing is historically when the US has a crash it’s taken down the world markets as well. So I don’t look at VXUS to hedge against a US bubble crash, but just for some more diversification.

pandadogunited

That’s VOO

vulcan_on_earth

Here is what I would do: **10 Years left for Retirement** - 50% VOO - 35% VGT - 15% SMH Rebalance every year **20 Years left for Retirement** - 30% VOO - 45% VGT - 25% SMH Rebalance every year **40 Years left for Retirement** - 80% VGT - 20% SMH Rebalance every year Yes, there is significant overlap … but that should not matter. I am fully aware there is significant overlap between these funds, but I’ve decided that doesn't really matter for my goals. Curious to hear what you guys think—am I being too aggressive with the sector tilt, or does this structure make sense for a long-term growth play?

WesternDetail6513

I never think it’s wise to be all in on one stock for any reason, so I would recommend you get back into VOO. DYOR. NFA

_Anon_One_

I just started my Roth at the beginning of the year, so I did similar with $14.5k at $166. I'm currently up $4.1K. Going to set my stop lose at $200 and see what it does. I'll move it up if it keeps rising. I plan to sell all after the 15 days NASDAQ 100/ other ETF launch. Then it will go right back into VOO and VTI.

AwkwardObjective5360

Enjoy mid returns broski, Micron made me more money in < 1 year than VOO did in 5+

Lazy--Expression

I've beaten VOO countless times just to get humbled with a punch to gut. Keep it up but there's a reason it's a standard for long term investment not short term. Try to beat SPHQ instead

Independent-Egg9086

As a canadian as well.. VTI/VOO which one would be better? I won't be touching the money for 25+ years, roughly 50-60k.

ablablababla

I have 45% VOO, 10% AVDV, 10% AVUV, and 15% VXUS right now, plus a tiny bit of QQQ

InvestingNerd2020

For a late starter, you need better growth. Therefore, go with VOO. You can always allocate 20% to VXUS for international exposure. Example: 80% VOO and 20% VXUS. Keep this allocation from 36 until 56 years old. Don't change and keep investing as long as you are employed.

ajfaria

I’ve never seen such discrepancy between S&P vs SPY, VOO, etc

YaPhetsEz

Lowest expense ratio general market index fund. Your brokerage should offer an in house equivalent with really low expenses (VTI/VOO for vanguard, FXIAX for fidelity).

kepano808

VT is very good, but if you decide to move to VOO then add VXUS. That being said, VT = VOO + VXUS. The difference is that you get to manage the percentage of market mix.

flappysack-

This is the value premium.  If you're buying VOO you're feeding into it, if you buy EUSA you're negative momentum and that will help avoid a car crash.

Waste_Scarcity4685

Yeah... I'll just catch this one when it inevitably becomes a VOO holding.

rodentmaster

VOO will market match. But that's about all it'll do. It's long-term, slow growth, but more resistant to crashes. Maybe. It still took a few nose dives with me with the rest of the economy in the past 5+ years. It's safe. It's tame. If you're starting a little later, it can work, but I would suggest maybe looking at one or two slightly more agressive choices. I have VOO/VTI for many years. I just wasn't seeing the growth I wanted, also having started late. After a long delay of not wanting to deal with it, I finally was trying to take some numbers to a friend who wanted some casual suggestions about how to get started. Now I would suggest SPMO instead of VOO. Instead of VOO/VTI, I'd suggest SPMO/VGT in anything from 60/40 to 90/10 ratios.

HaiKarate

>The portfolio is made up of around 30 to 40 individual stocks, multiple ETFs, some active management, and the annuity inside the inherited IRA. You could definitely simply by going all ETFs. Owning individual stocks is higher risk than owning ETFs that own that stock. And as you enter retirement, assuming you have enough, you generally want to pursue lower risk strategies. >The portfolio is made up of around 30 to 40 individual stocks, multiple ETFs, some active management, and the annuity inside the inherited IRA. First question I would ask is, What has been the annual rate of return on your portfolio? Look at it at a year-by-year basis. Then compare it to an [S&P 500 index (VOO) returns by year table on this page](https://www.slickcharts.com/symbol/VOO/returns). The S&P 500 is considered the gold standard for comparison. Would you have done better to have fired the advisors 14 years ago and simply put everything into VOO? Or did the advisors actually beat VOO? If the advisors have beat VOO consistently, and by enough to make it worth your while, then stay with the advisors. If they haven't beaten VOO, well... you know what to do. >If the portfolio were simplified into broad index ETFs like that, would 1.86% still be considered reasonable? The point of ETFs is to give you low cost diversity and growth, so no, paying an advisor just to be in ETFs long term would be pointless.

IllllIIlIllIllllIlll

What kind of ass-backward reasoning is that lol. Obviously with VOO you won't underperform the S&P 500 because that's literally the index it tracks. I don't see why that's at all relevant. VT "historically" does not underperform. History did not start in 2010. Historically, VT and SPY have had very similar returns and risk-adjusted returns. [https://i.imgur.com/TnwIXTP.png](https://i.imgur.com/TnwIXTP.png) It's only since 2010 that VOO started overperforming, just like from 1993 to 2001 it was also overperforming, and guess what happened next. The longer VOO overperforms VT, the more likely it is that it will stop overperforming. If VOO was constantly outperforming VT, it would mean that eventually the US stock market would be 99.9% of the world's economy, which will obviously not happen.

Rav_3d

VOO is highly likely to outperform VT over the longer term.

No_Chef_1680

I obviously just don’t do VOO and chill… I started with options and that’s why I was losing my first 7 years. Now I do day trades/swings on stocks only as I said in the post.

DigitalArbitrage

Buffet is retired. If he would have said that then it was probably before VOO existed.

Machine8851

I would go with VOO because at least you'll know you wont underperform the sp500 index. With VT, historically long term it underperformers due to the high percentage of international. The one plus of VT is thats its more diversified but could also mean lower returns.

project3way

I did this for my Roth the first year I started to contribute to it. Just $250/week into VOO. Now I just do it per paycheck instead ( every two weeks) and double the amount but same concept and into VT instead for reasons. It’s boring, but it works.

1-Dollar-Doge-Coins

It’s like any other overvalued stock that people own through index funds. Unless you own QQQ, it will be a minuscule, insignificant %. And those who invest in VOO or similar funds won’t own any SpaceX.

Beautiful_Benefit319

The vast majority of your portfolio should be boo. It’s very difficult for the individual investor to beat market averages with individual stocks. Without knowing your entirely situation, VOO.

TheJustinG2002

Notice how everyone’s saying VOO? That’s all you need to know. And for some personal sprinkle, add VT and you’re set.

mannerhazel

I’m a large majority in S & P 500 (VOO). I love meeting a person with similar age and net worth!

Informal-Lime6396

Most people here are saying play it safe and do VOO chill. If you have decades ahead of you, I say assume a little risk and allocate some to something like semiconductors and technology like SOXX and VGT. If you get a 500 ETF too, yes you are double dipping. If you go the safe route, expect to just follow the market. With sector ETFs, you can take some safer risks and make up for lost time. If you have a 401k or Roth IRA, there's no tax event for selling so you can go crazy with SOXX, exit back to VOO if you feel like it.

BuzzerWhirr

Nope I've been long VOO for over 15 years. Other than not having children, putting all of my savings in VOO has been the smartest financial decision I've made.

Sellazard

Spacex will be included in. S&P 500 in a year. VTI, VOO and chill won't work anymore once the house of cards falls someone will have to hold the bag

cuddlyviola_7

yow starting at 36 doesnt mean you need to ditch VT for VOO, since total global diversification is still an awesome strategy. so stick with VT for a worry free setup, and only switch to VOO if you want to bet solely on big U.S. tech companies.

mythozoologist

225 VOO 25 IAU (gold) Call me crazy.

Neuromancer2112

Ah ok. Personally, I don’t put mutual funds into taxable accounts - if they ever distribute capital gains, it’s much less tax efficient than ETFs. I’d have FXAIX in Roth, and if you want S&P 500 in taxable also, VOO is a good low-cost option. If you want to have a bit of Semiconductor exposure, SMH has been an absolute monster - since it’s sector-specific, though, I’d limit it to max about 5-10% of your total portfolio.

Equivalent-Fan-2557

However you want to do it. So long as your money is going into VOO or ETFs that are extremely similar to VOO as there are a couple to pick from.

Every_Cress

I don’t have a 401(k) because I’m self-employed. I maxed out my Roth IRA and invested all of it in VOO (I also recently opened my Roth IRA this year). Now, I’m considering investing $250 a week into my taxable account, but I’m not sure what to invest in.

BearThumos

How does a noob figure out which tickers /indexes to look out for? Ex: VOO vs VTI?

Educational_Cable405

Everyone in here is about to hand you a ticker, and that's the smaller decision. $250 a week is roughly 13k a year, and whether it goes into a Roth or your 401k versus a plain brokerage swings your end number way more than VOO vs VTI ever could. Fill the tax-advantaged space first, the fund inside it is almost an afterthought next to that.

bofoshow51

Starting at 35 is actually the average, and about $1000 a month is a really great start! You should focus first on maxing your retirement accounts, certainly your Roth IRA, before prioritizing a taxable account. You only do taxable after getting all that advantage juice from the other first, or you plan to FIRE and know exactly how much you need in a taxable to tide you over til you can withdraw from retirement accounts. Way way way better to auto set to low cost broad market index funds like VOO. I highly recommend doing a mix of US and International, so VOO/VTI + VXUS, or even simpler just VT. VT and chill on auto is truly the statistically best way to get your money working for you long term. The best time to start was yesterday, the second best time is right now. Congrats, and keep it up!

RecommendationFit996

During Covid I sold some of my VOO and QQQ and instantly bought SSO, SPXL, QLD and TQQQ. Rode it way up and way down into the bear of 2022 which was a gut-wrenching ride. I bought more in Dec 2022 and have’t looked back. This isn’t for the risk averse for sure. But it can be a roadmap for anyone to deal with dramatic downturns. I’d just recommend selling the leveraged etfs once you’ve recovered if you can’t sleep at night taking that much risk (SOXL was another great one bought during the tariff tumult surrounding liberation day, currently up 14x)

LuciusQ2020

FXAIX costs 0.73% a year while VOO is 0.03%. Huge difference.

Ok-Clerk393

These retards don’t know how ETFs work. I can’t believe there’s people worried about Space-X being part of their boring ass 401k funds. This shit could go to negative $100 per share and VOO would go down 0.25%.

Maximus77x

I’d personally just keep going with all VT. Ultimate simplicity. VOO is totally fine too—the important thing is that you’re shoveling in as much as you can.

redditissocoolyoyo

Here is some enlightenment for you. 250 a week, automatically contributed to your investment account. For 30 years (you'll be 65 when you retire) will be about $1.8 million. The key here is make sure it's automated. Auto withdrawn from your bank account and into your brokerage account. Set it and forget it. The only reason to check once every few months is to make sure the automation is still functioning as it should. Ignore all the noise of the markets. If you mess around with it too much, or start to let the corrections make your decisions to withdraw or pause, you'll be fkd. Do VOO, or with SWPPX, do some VT, a few... Doesn't hurt to mix it up. I've done it automatically, for like 20 years or so now, through the great recession, the wars, COVID, etc...just leave it alone to automate.

backfire10z

Annual tax? Do you mean fund fees/expense ratio? VOO has those too, and they’re higher than FXAIX. FXAIX: 0.015% VOO: 0.03% (2x) It’s a pretty negligible difference.

big-baller-47

Bag7 has definitely been fucking a lot of ppl over. Boomer VOO investors are currently outperforming most people that have individual Bag7 stocks in portfolio

Samuel-Darnold

I would put all into VOO, if you want some semis, put like $50 of it max into SMH

BoomsRoom

I'm 10 years older and was only rocking my 401k and my RSUs from my job. Once I got stable, and had my 6+ month emergency fund set up, I added a roth IRA for an additional $600 a month contribution. This brings me up to a little over $1k a month. My Roth is 80%VOO and 20%VTUX. Set it and forget it. It's never too late.

tang-tw

I also started investing at 36, and currently I've bought VOO and SMH.

Darby_Crash75

One more question. Doesn't FXAIX have the possibility of anual tax where VOO doesn't?

zenyogi2025

All Avantis ETFs performed better than VOO recently, especcially with international, so not sure what you mean value is underperforming... Also Value doesn't need to outperform growth. Keeping some portion in value gives stability to the total portfolio, when the mag7 swing wildly. Having 50% value and 50% growth always beats sp500 alone and ride is smoother than only VOO or VT.

CitizenPremier

You don't have to choose one index. If I were doing nothing but indexes, buy-and-forget, I'd do a mix of QQQ (tech heavy but good if there is no AI bubble), VOO, VXUS (exclude the US) and IXJ (healthcare). Ideally however you should buy more every week. If you are scared about the idea of buying at the top and perhaps your stock losing value for years before it recovers, then just buy in a bit every month - say $1000 a month. After the $7000 is all invested, you can set a goal of say $200 a month, which you can increase later when you have a job.

D_Pablo67

Invest $1,000 a week in VOO and $1,000 a week in QQQ.

zxc123zxc123

My average is around $20~ Oldest shares from around 2010ish. Sold stock covered calls at around $85 but it went nuclear to like $105. I still had the option to just buy the calls back or buy back partially to keep some of my INTC but I decided I'd rather just have my money in VOO. I know INTC can still go another 10%-100% from that $105 mark during a but I also remember how INTC was a bag hold for 10 years for me and if for you then 20 years. It hasn't outperformed the S&P500 over those periods unless you bought low and sold high.

redditissocoolyoyo

VOO or swppx

DuckLIT122000

Try to keep some amount of money available as an emergency fund. For better returns on your savings, you can put it into a money market. If you know nothing about investing, I would recommend only using a website instead of getting an app so you don't look at it as often. The goal is long term growth, so no reason to look at it frequently and potentially get scared into selling when the market is down. Like people said, VOO/SPYM/VTI/VT are very safe long term investments. Keep in mind that IRA contributions are limited to your earned income, so if you are not working, you'll have to use a normal brokerage account.

Gain_Spirited

First I recommend opening a Roth IRA at Fidelity or Schwab. This is important because taxes will eat away at your gains if you don't put it in a tax advantaged account. Always stay within your yearly contribution limit. You could add a regular brokerage account if you want to save more than that, but you'll have to deal with the taxes. The easiest strategy is to invest your money in a low cost S&P 500 index ETF like VOO or SPYM. This should be the core of your portfolio. It's something you can do now and then later on you can do your own research and figure out what other investments you can add.

Various_Things2026

VOO and chill

Je-ne-dirai-pas

I’ll move all the industry ETFs to just VOO, QQQ, and VXUS. Keeps it cleaner and will likely outperform

eyeOfIan

You can get VOO with fidelity.

WorthContribution457

If you want a simple 4 ETF portfolio so you don’t have to be constantly worrying about buying or researching companies/stock VOO - (S&P top 500 companies ) VO- (mid cap companies ) AVUV - (Small cap companies ) VXUS ( International companies ) Good balance so you are seeing diversification without having to pick and choose Obviously other ETFS in the same sectors but those are a few.

fourwedge

Buy the S&P ETF in the form of VOO. Don't mess with it. 95% of investors can't beat that anyway.

greenpride32

I can't say that I agree with your viewpoint as of today, because those top weights are growing by leaps and bounds and are really the driver for the index's big gains (NVDA and AAPL each did over $40b in profit just in their last quarters alone). You see that reflected in VOO's performance over RSP. But with SPCX TSLA and upcoming IPO's of OpenAI and Anthropic, RSP could be a good hedge for those not wanting so much weight in so little intrinsic value.

professional408

S&P 500. VTI. VOO. Broad Market Index funds. Set it and forget it.