VOO

Sensitive-Exam649

dividned investing doesn't require a lot of captial to get started. Everyone just makes regular monthly deposits into the funds they want to invest in. For growth investing 401K or Roth accounts are great for grwoth. with VOO and VXUS or you could gowth with just VT. You don't what to invest in growth and then sell the growth toff in a taxable account and then reinvest inn dividneds. Because you will pay a lot in taxes when you'll the growth that is why many use 401K or Roth because the is no tax from selling in these account. Butyou cannot withdrawal money until age 60. In addition to starting the above you Need to exablish 6 most emergency cash reserve HYSA will work fine. But a money market fund in a taxable brokerage account will also work. If you cash reserve exceeds 6 months you should invest excess money Anything more the 6 month will do better if it is invested. You can deposit that money in a Roth to avoid taxes or you could invest it in the taxable brokerage Now many use gowth index funds in the taxable as simply an asset you can sell if you need more than 6 moths of cash. I howeverI prefer investing the excess in dividned funds. The cas emergency fund is great but it is limited to 6 months. If you are unemployed for more than 6 months that is a problem. SPIQ or QQQI are good sdidivndd funds o add. invest the dividned and add more money whenever you can Both have a high yield and are tax efficient. Oryou can turn off dividned reinvestment so that the money goes into your money market cash emergency fund. So the dividends help maintain your cash emergency fund and you can reinvest excess cash into the dividned fund. One time you will gradually build up emergency dividend fund that can replace or supplement your cash emergency fund. Ther is no limit as to how much cash you can get from the cash emergency fund.

citiclosethrowaway

Stop trading the rollercoaster and just hold. It's really not difficult to make money in this environment, especially considering the massive CAPEX AI buildout. Even VOO is still up 11% YTD despite the macro factors....

Dazzling-Cheetah5951

That can drop too, though, with this regard fiddling around in a tinderbox for 6 months in an unwinnable war that has oil at ATH's, plus tariffs, plus other boneheaded policies that have put the economy on the brink. Only thing keeping the whole market ETF's up is manipulation and corruption. He thinks he's smart with the smoke and mirrors, but everyone who is paying attention sees what they're doing. K-market is an understatement. If VOO crashes with 70% of tickers already in bear-market mode, we'll see. And this is without any macro-turmoil events going on, btw, like the flash-crash-causing stuff. Relatively smooth waters while this is happening, all self-induced.

elevator13

I got a hot insider tip about VOO, up 12% since last year

linaisinhell

yes my cutie pie. I mostly invest in ETFs, i recommend VOO (S&P 500). there's also a cheaper version but i forget the ticker symbol, you can look it up. if you want to play it safe you can invest in mutual funds like VTSAX (VTI for etf ticker), which average at about 9-11% annual returns. and you need to know when a good time to buy is (you'll want to buy at an all time low). i recommend going to [stockcharts.com](http://stockcharts.com) and familiarizing yourself with the data there. it'll show you YTD averages but you will also have to learn a lot about how market averages work. i do short term trades with more volatile stocks like NASDAQ (but my definition of short term is 3-6 weeks). buy at an all-time low, sell at an all-time high. and you can predict those turning points with the data on stockcharts. i don't recommend trading like this if you're not very comfortable with reading the data. it's high risk, high reward. you're better off just investing your money into things like the S&P (which is moderate risk) and mutual funds, this way you'll always be guaranteed at least 10% returns annually. the rest is up to you. if you buy at a good time you can turn that 10% into 15-20%. ykwim?

linaisinhell

a variety of things, i recommend VOO in april (that's usually when it performs really poorly, good time to buy). i do "short-term" (on a 3-6 week basis) trades with QQQ because it's more volatile. and sometimes i'll buy silly little stocks like starbucks if it's a good time to purchase. (but i mostly do etfs tbh)

Rare_Area7953

I got $57k this month from ssdi back pay. I am 60 and forced to retire as an RN. Currently have Roth, IRA and private stock investments. I bought NVDA for $6.00 a share during covid. I should have bought more. I was up to $330k until it all dropped today. My modest home is payed for as are my vehicles. I have a small amount of medical debt. My husband stopped working due to health problems and filling for ssdi. Ibam thinking of putting some of the $57k in a high interest saving account that pays 4.6% interest. If the market drops more I could invest more in VOO or NVDA. What do you all think ? 

Shredded__

Individual stock. NVDA. Held since 2019. Never selling. ETF, prolly VOO, but almost as much in SPMO and QQQM.

Low_Plastic363

You can also buy more VOO.

DelightfullyShadowy

Just pile everything into VOO and stop overthinking the schedule, whatever cadence dodges the most fees is fine.

A10cc

Just buy VOO and do nothing?

neutro_b

I don't think VTI/VOO are wide-range indices anymore. They are totally dominated by the Mag 7 and therefore by AI plays. VT is worldwide so much wider-range, yes, but \*still\* dominated by the big American corps.

Diligent-Olive-3224

'Unrealized gains aren't money' is just wrong. It's money you haven't paid tax on yet, which is the better version. Trimming half of every big winner into VOO in a taxable account hands a chunk to the IRS each time and that drag compounds against you. And 'don't let winner ride' is the opposite of what anyone who actually got rich off one position did.

Accurate-Flow8078

Why don't you just VOO and chill?

KingOfTheBritons96

Please VOO and chill and enjoy your newfound riches, maybe play around with 10%

Different-Row-3353

I have no morals i will literally sell my pedicured feet to put money in VOO

Jabjab345

You would have made more money buying and holding VOO

ThePerfectJourney

yeah put it into VOO wait for 30 years and die 10 years from now and let your wifes second husband have it all

walking_in_the_dark_

Many are waisting what should be the best years of their life watching charts, when most probably would be better off putting money into VOO, index or something.

ThatOneRedditBro

If you can't handle the volatility, I have an answer for you: $VOO

bostoner-bostoner

Now withdraw it all and put 500k in VOO and go after your life…

Round_Context_146

just threw 10k into VOO, lets get this

Icy-Championship726

Stick it all in VOO suckers

liquidtv78

its VOO, PBR, and chill for me until November fuck this :noballs:

Crazy_Inflation4423

I just sold a bunch of underperforming stocks with a negative loss. Combined the proceeds and put it into VOO and VOOV.

Doglog4948

Oh sanctimonious one, oh holy one! Alas, I am but a scoundrel. You are correct! Shame... shame on me!! Please, downvote ME! Spare this good-hearted selfless VOO investor! Ignore my past request. Please, downvote me!

aqwn

Dump it into VOO and leave it there

hide_yo_cookies

Put it all into some boring US Bank or BofA brokerage account where you can’t trade like a retard, buy VOO/VTI and be done with it

Doglog4948

Downvote this VOO noob

Temporary_Boot5491

and still underperform VOO in the same time frame LMFAOOOOOOOO

bootybeansdotcom

Take your 50K, put it in VOO, and go home to your girlfriend, relax, and watch Barry.

ZjY5MjFk

Literally about half of these comments are low effort shade from people that can't read or don't understand PM. He has a net long delta to VOO so he is capturing the underlying performance and adding premium on top, so is beating the benchmark.

DICK_STUCK_IN_COW

SPY is up 11% YTD while USO is up 137%. Maybe we shouldn’t VOO and forget maybe we should USO and forget…..

FinancialGroundhog

Closer to $90k, since the portfolio itself went up too. I'm about 50:50 VOO:bonds in the account

FinancialGroundhog

But I have both essentially. I am long a mix of SPY (via VOO) and bonds (about 50:50 allocation), and then sell the puts on top. So it's not an either or question, I can do both in a portfolio margin account. You don't need to keep cash on the side to sell the puts.

NYVines

You shouldn’t because it might go poorly. Don’t do what I did. I began investing in 2006. I fully funded my retirement accounts and deliberately chose aggressive funds. I then began dollar cost averaging into individual stocks. Stocks plural. I chose about 20-30 stocks that had been doing well and about 90% of the time they continued to make me money. Eventually when I changed jobs I rolled my retirement into an IRA and invested even more aggressively. I have interviewed a couple of financial advisers over the years who all told me I was too aggressively invested. Now here I am age 51. I have hit my retirement goals far too early. I’m eating more yearly through my investments than I can make as a physician. Don’t make the same mistakes I have. Just VOO and chill. It’s the only safe thing to do.

spilledonwhite

And you're sure it isn't AI generated or photoshopped? I'm just saying... that's like the dumbest thing I've ever heard. 20m can generate 2.5m PER YEAR in VOO. Any they are staring at screens and chatting with reddit bots instead of sailing the amafi coast? I'm out here desperately trying to get to like 1-3m so I can be free to live a pleb life without work. And honestly lately I just want to 4x 5k into 20k so I can pay off one of my two auto loans...

Jimbob404error

Dude just throw it all into VOO, you suck at picking stocks lol

Mammoth_DonkeyKong

No I got it and I guess one would expect SPMO to rotate out of tech if it undergoes a prolonged downturn related to AI volatility for example. It will get pummeled more than something like VOO or VTI that has some balance elsewhere, even though they are weighted extremely heavy in tech as well, but would be held up by their other holdings that are winning. I am about 10 years from retiring and do hold some cash equivalents in short term treasuries as well as some high quality dividend funds like SCHD and FDVV, both doing amazing this year. I do look at my portfolio frequently but do understand that it's a long game, and I have been playing it for 30+ years. All using index or quality dividend funds and never super risky funds or single stocks.

milkplantation

You lot are overthinking this. It doesn't have to be one or the other. Berkshire outperforms in a bear market and underperforms in a bull market. The way to think about BRK is as a put option on the broader market that costs you absolutely nothing to hold and will likely throw off 8-12% CAGR over a 5-10 year period. That’s an amazing holding to have in a well constructed portfolio. It’s high quality, tax efficient, defensive, and will likely compound around the market rate or slightly better with less fundamental risk. They have a floor that no other stock can claim to have because they can buy back shares with their cash pile. Traditionally during a correction, they fall with the rest of the market but not as deeply and they recover much faster. Sooner or later the music will stop and those who held defensive equities like BRK will be glad they did. At that juncture, it could make good sense to rotate all in on VOO while it's in correction territory.

Vlisa

i mean why not hold voo if you just want? might go down, might go up. If you can't stop yourself from panic selling VOO idk what to tell you

drakilian

Do you really believe that when you look at the performance of VOO over the past 2 weeks vs Nasdaq?

Hihaho80

I mean, what do you even buy, VT, VOO is not nasdaq, but its full of AI stuff as well?

Extension_School9590

VOO is still going down

CanYouPleaseChill

I don’t think you understand that if the market crashes because of a bubble in one sector, other sectors will recover far more quickly. RSP significantly outperformed VOO and QQQ following the Dot Com bubble crash.

CriminalFundraiser

My portfolio looks like a crime scene right now but I threw a little extra into VOO and a couple beat up semi stocks this morning, nothing crazy The gap down Monday is almost a guarantee at this point but I’m not smart enough to time it so I just scale in when the panic gets thick like this

seekingpolaris

Took it as an opportunity to buy VOO

Money_Tough

My biggest question, how do I get my bank account to transfer into VOO quickly? I feel like I wouldn't be able to get it over fast enough

FinancialGroundhog

The portfolio is in a mix of bonds & VOO, I don't hold cash (or rather very little). Those will have their own returns, which are not relevant when thinking about the performance of the put selling strategy. The above post is just the performance of the put selling, but since I don't hold cash, the `overall portfolio performance = (bonds return + VOO return + puts selling P&L)` The overall return for the portfolio is around 20%

Mammoth-Path-6520

I mean, either we enter an extended bear market or we don't lol Doesn't matter either way. Because during a bear market you can just DCA into your stocks, lower your cost basis, and 6-12 months later get a bump. Then if you're really feeling like a frightened chump you can sell off at break even and just go back to VOO lmao

billocity

SOXQ is up YTD 45% YTD while VOO is 11%. Unless you’re a crack head who bought simis during the peak in June you will be fine. Zoom out homie.

CanYouPleaseChill

The equal-weight S&P 500 was up 0.73% today, outperforming VOO by 1.91%. I expect RSP to outperform the S&P 500 over the next several years as the obvious AI bubble fizzles out.

Brave_Yesterday_6106

Umm... take half put it on VOO.  The other half put it on prediction Bears -2.5 for tonight.  Not a financial adviser and dont gamble.

National_Safety9825

SCHD$ Is the new VOO$

oravecz

SCHD seems to mirror the losses of the s&p in 2020 and it recovered slower than RSP. It didn’t exist in 2000 or 2008. It shined in 2022 with a valuation-driven decline when compared to VOO. I’m not sure how it would fare in an AI collapse. It might do ok since only a couple chipmakers are part of their mix.

Accidental-Genius

You buy VOO so you can ignore it and log in every couple years. If VOO tanks long term you won’t be worried about it because you’ll be dealing with much bigger problems, like hunger and war.

insightful_pancake

You can generally (or there has not yet been action taken against) sell VOO to buy SPY (different providers same index) and avoid the substantially identical rule. You’ll run into issues if you sell QQQ and buy QQQM (same provider same index). It’s a gray area.

Mountain-Time-1010

IIRC, the recovery was even longer after the dot-com bubble burst. I'm in my 60s and remember these years well. I suspect that the demographics of reddit skews younger, hence all the posts assuming that returns will average 10% indefinitely and that VOO is "safe." I'm sure that most of the responses will be that they don't care and will just hold until recovery. Which is honestly the right attitude for a young demographic, and I hope they don't panic sell if/when we see another major crash. But you're 100% right, if you're in or near retirement, it's important to plan for downturns and long stagnant periods. History tells us that they can happen. Of course, this time is different. ;-)

Meatpodz

What was the opportunity cost of not putting everything in an VOO at the beginning and leaving it there? How much time did you spend trading rather than pursuing a more fulfilling activity? To truly break even you need to revenge trade to make up for all that effort, time, and lost gains!

KabverozzG007

Wanting to get a solid portfolio setup for my ROTH and personal brokerage. 21yr. US. I can comfortably max out my ROTH. No employer match. I can also put some into a brokerage account, however it's currently in a HYSA. Whatever I don't put into my ROTH will be for a house. No rush. Would like to downpayment on a starter townhouse in about 5 years. Looking for lowrisk. I have my fun investing money set aside from when I have lighter months ;) Have VOO, SPY, and NVDA in a personal brokerage. Nothing in the roth that is meaningful. 25% of my paycheck is to monthly expenses, about 50% to retirement and investing. No loans, no debt. Just looking for a place to park my money in my ROTH tbh. I don't mind having my money sit in a HYSA, but I do want my retirement to compound sooner than later.

Icy-Championship726

VOO all day, it snowballs for years while gambling degenerates lose it all…

LostAbbott

Bro, at this point you should not be investing in individual stocks. VOO and chill.

a-k_68532261

The main difference is the tilts: VT covers global stocks, VOO adds extra weight to large US companies, and SCHD adds a dividend focus. VTI+VXUS gives you a simpler way to set the US/international split.

Axe_Raider

the whole point of VOO is you can delete this subreddit, log off, and go touch grass.

Different-Row-3353

when was the last time VOO was below 700 lmao

content_frigate

markets have been weird lately, nothing new really. the daily swings feel dramatic when you're just starting out but 1.35% is basically a tuesday in equities land if you're in VOO for the long haul just zoom out and keep buying, the noise fades over time

filwu

To separate the move in your position from what drove the index, compare VOO’s percentage return with the S&P 500’s return over the same dates, then check whether the move was concentrated in a few large constituents or broad across sectors. The $13 change helps describe the personal impact, but by itself it can’t identify the market driver; a few sessions also aren’t enough to label a correction. Which dates are you looking at?

SteakEater137

Why buy VOO when you can buy TLT? Its 1.5% today. Lmao fucking 20 year bond ETFs trading like meme stocks

Highzen

most common suggestions I hear people say are: VOO, VT, SPYM, or VTI

Illustrious_Emu_9085

VOO and chill has become SGOV and chill

Neosynephrine

VOO

cjsv7657

Microwaving can break the pigment suspension and make weird lumps. I use a double boiler to melt, add in spices (sometimes sparkles to make it fun), pour in to a mold, and gently cool. That way you still get the satisfying crunch and texture without compromising on seasoning. YMMV though. My portfolio is 70% VOO with the next highest being GOOGL

ShakeAndBakeThatCake

Just dollar cost average into the VOO and don't look at it. If it drops 10% keep dollar cost averaging. Over time you will win. It doubles every 5 to 7 years typically. Where people get screwed is when it drops you stop putting money in or pull your money out. Don't touch it. Don't even look at it. I maybe look at my retirement accounts like 2x a year. Honestly that's the other thing. You really should put your money in tax advantaged accounts. Max out your IRAs. 401ks etc.

Morgan_Arc1

Meanwhile, VOO down 1 percent. Crash of the century right there.

Extension_School9590

i just woke up wtf is happening with VOO

Jennay-4399

Is this satire? Do you know what VT and VOO are?

Hihaho80

I think point im just considering VOO and chill lmfao

Horizon_Labs7244

Holding because you believe it'll bounce is where leveraged ETFs hurt people. The decay comes from the daily reset, so if the stock chops around for a while before it recovers, the ETF can sit below your cost even after the underlying gets back to where it started. Averaging down also adds more of the thing that compounds against you. At 30% of the portfolio, I'd pick the size you could live with losing half of, trim to that, and decide on the thesis separately. Having the other 70% in VOO is what makes this survivable.

Extension_School9590

I feel like such a baby in investing. Since my money is only in VOO i’m making like singular dollars per day

Extension_School9590

I’m new and currently only invested in VOO

DarkVoid42

put 100% on VOO/VXUS and stop trying to pretend you know anything about investing.

Extension_School9590

Jokes aside I’m new to this so there’s a lot i don’t understand. I have $320 in VOO and that’s it. Is there anything else i should be doing right now? Or just wait it out?

GhettoMuppet

if u cant beat 14% this year just buy VOO

Extension_School9590

All my investments are in VOO so i’m barely making anything. I’m new to this and a little retarded can i have some help

random-meme422

Did anyone imply that was the only choice? Opportunity cost is looking at alternatives. I don’t think it’s unfair to say that instead of going all in on meta someone might instead just buy VOO. They could’ve bought Netflix and they’d be down 2%. Is that better? You could do one of the other mag 7 stocks - meta performing better than half of the others.

CUbuffGuy

Say it with me: SOFTWARE is going to make bank and go parabolic, HARDWARE is going to lag. Stop asking about LRCX and AMAT. This happens every tech cycle. Even if hardware doesn't go down it'll never match the margins on software. There's a reason the big boys have been spending so much, it's time to reap the rewards. Get in now or forever be left behind. Software is the next sector to drag everything up. Sit in VOO and get your 10% or buy literally any big software name like META, GOOGL, even SNOW and stuff like that... easy bank to be made.

Icy-Championship726

VOO and QQQ all day longterm. Something thee gambling addicts don’t understand

oravecz

An equal-weighted S&P might be a decent option. A 30% downturn in NVDA would be a 2.4% hit to VOO and a 0.06% hit to RSP. Across the broader index, an AI bubble pop would likely bring down nearly half of VOO and around 20% of RSP. On the surface RSP might be a good compromise in the short term. However if the losses get wider, like 2007-09 or 2020, RSP earned -60% and -39% respectively, compared to VOO at -55% and -33.7%. Interestingly, RSP is outpacing VOO YTD.

sentientshadeofgreen

No, trading should make me money that outpaces the market if I‘m doing it right, which I do. I make significantly more money than I would were I completely passive investing into VOO. I put my spoils in VTWAX. No risk no reward, don’t mistake a hedging strategy for a total investment strategy.

mukavastinumb

For the last 5 years Tesla has been losing to the SP500. VOO +83% TSLA +34%

EZWINEZLIFE

Im too, in margin in ASTS, but I manage my margin. 50% of my portoflio is in VOO, 30% is in ASTS in margin and 20% in other stocks

stupidber

VOO is carrying my port all my individual stock picks are garbage

Afraid-Policy-3648

watching from VOO gang land over here

Gorgenapper

It's always the ones who shout the loudest about not spending money on dumb shit, giving advice to other people and saying "VOO and chill", they're usually the worst type of gamblers just beneath the surface.

WiseSilverWolf

Probably should have just gone with VOO and chill.

Tiny-Art7074

Nothing she does is interesting other than that she has a lot of money to play with. She has severely underperformed the boarder tech index like VGT, and has just barely managed to match the lower performing S&P500 index. On a risk adjusted basis, however, her fund is even more of a joke. The Sharpe and Sortino ratios for example are terrible, her max and average drawdowns are more than double VGT or VOO, and the correlation to both is still high. Its not a real fund, its a meme and its astounding anyone cares what she does. You can play around with starting and ending dates and find periods where she got lucky following the trend, but so you can for a broken clock.

Other-Importance-214

I have good news sir. If you put that $0.02 in VOO, you’ll be back to even in 142 years. Ah, the magic of compounding.

furiouscloud

>It's funny because I know I should just buy VOO and a few other index funds, but I keep fucking up. >I just don't know how to move forward and rebuild from here Ok now read what you wrote out loud. I don't think "knowing how to move forward" is your problem.

Perfect_Anything_828

All that could’ve been dumped into real estate or VOO But seems like retards don’t like to do that

Unluckyb33

Just buy VOO at this point hombre