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I’m looking to add another stock or two to my portfolio, any recommendations?
[Discussion] How will AI and Large Language Models affect retail trading and investing?
[Discussion] How will AI and Large Language Models Impact Trading and Investing?
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Is it ok to never have bonds if you start investing early?
Anything I should know about investing in Vanguard ETFs on Fidelity?
What would you all recommend for second year of IRA?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
QQQ or VOO which one will you choose ?
Question about ETFs: What happens if the provider goes under as a business?
Wife's IRA has positions in high-expense ratio funds. Sell and buy VOO?
i want to start investing and i don't know where to begin
Looking to invest savings in VTX and VOO. What should I invest more in.
After watching Nvda go up up and up some more, i dove in at 600 a share. 🤔😳
What stock/suggestion have you gotten from this sub that actually WORKED?
As a whole this sub is overly negative on taking profits and building a cash position
What to do with $300,000 just sitting in my checking account?
What stocks(s) did y’all buy recently and when was it?
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
Is putting $50 into VOO every 2 weeks (for the next 20 years) a good or bad idea?
What index fund do I pick for my Roth IRA?
12m Emergency : 100% CD/Tbills vs ~25-75% VOO & rest in CD/Tbills?
Is it normal for the index funds to be weighted this heavily by mega caps?
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
Advice for a 27 year old trying to leave the nest?????
Any advantage to buying VOO through Vanguard rather than Schwab?
What are y'all's plays on tomorrow's CPI news? Any calls being made?
Looking for long-term investment suggestions, 30yo • $1-2k / mo.
What is the difference between some EFTs like Vanguard S&P 500?
Mentions
Metals up today. VOO down. I have a feeling there’s a lot more of that in the future.
Less risky and more likely that you’ll outperform the S&P 500, which is still a difficult thing to do. Just think about it. The only reason you would buy anything other than $VOO is because you think it will do better than the index. If you didn’t, you would just buy the index. Out of the 500 stocks, you are trying to pick the ones that will carry the others. There is an average of the market, and some skew towards outperformance and some towards underperformance. Before buying individual stocks, you need to be able to answer this question: What methodology am I going to use in order to reliably and consistently pick the companies that will outperform? Can you answer that?
Damn, Strait of Hormuz play? That's some galaxy-brain stuff. I'm usually just DCAing into VOO, but this makes me wanna yolo a small amount. What expiry are you looking at?
Dropped 3K into the Roth IRA today and scooped up VXUS, SMH, and some VOO.
In this market, people need to truly open their eyes and check more than one stock. SP500 is down from 7000 to 6390, VOO is down 640 to 580, onds is down 14 to 9, nvda is down 195 to 167, meta is down 740 to 523, btc is down 97 to 65, avav is down 400 to 284, asts is down 120 to 80, bitf is down 3.1 to 1.9, chewy is down 34 to 25, sofi is down 32 to 15, Goog is down 340 to 274, archer is down 9 to 5…. I can do this all day. Almost every stock is down 30 to 40 to 50% or even more for some. Sure you can look at GEV or target and some others, but a majority of popular/reddit/tech stocks are down… Things will continue this way until the bs war ends.
Time to quit options and just VOO and chill. nonstop loses all month long on calls LMAO.
VOO to go lower than $575 by end of day :)
As of right now I'm not really worried about unforseen costs since my father mostly helps with that although definitely once I stop getting support financially I will need a HYSA and I will definitely start slowly cultivating that but my main focus is investing as I want to put as much as I can towards that especially since I don't make too much money/month (around 500-600/month). I currently have 11k in investments, was 12k before in Jan. Planning to put a decent chunk per month or biweekly into whatever in whatever ratio and just let that ride. I'm just unsure of what in specific (stock/ETF) and what ratio. As of now I've just been putting x amount in mostly QQQM, VOO, VTI, VXUS, GLD. But I've seen elsewhere that a good ratio would be something like 60% into VTI (ETF covering the entire US stock market), 30% into VXUS (ETF covering international exposure), 10% into BND (ETF for bond). Which would mean I would stop investing in QQQM, VOO, GLD or at least mostly put all my cash towards VTI, VXUS, bond ETF?
I follow the advice of Warren Buffett: invest as if you were buying the business. For example, would you mind owning or even running Union Pacific or Coca Cola? Apple? And would you like to own these for 20 or 30 years? If not, put 90% into VOO and be happy.
The whole point of VOO is not to time the market
Is this thing gonna keep going down or nah? I got $5k I want to put into VOO for my Roth
When will motherfuckers understand: you will likely not beat VOO long term.
Honestly, a lot of people have been in the same spot, it just doesn’t get said out loud much. If I were resetting, I’d keep it simple and rebuild around something like VOO or VTI as a base, then slowly layer back into growth instead of going all-in again. If you still believe in tech long term, you can add something like QQQM over time, and even a small position in something like VCX for private exposure. Main thing is don’t try to win it all back at once, just get back to a structure that can compound steadily.
My port is now 40% VOO, 20% VTI, and 40% RIVN and the only one I'm hopeful for is the cash burning electric car company. I don't know how to feel about this.
I went the opposite. Stocks has been stagnent since April last year and very little growth even in VOO ...most markets, imo, are overvalued and they are dropping back to what they should have been. I took a chunk out and bought 2 beater rental properties (one was in foreclosure). Spent the money to do full renovation and being in California means easy to find tenants. Both properties are now leased with good tenants and their rent is paying off my mortgage (they also pay all bills). I still make about $300 extra on each property from the rent and put it towards a "rental property" savings account. Just redid the fencing on one of them last weekend so tenants are happy. Already have about $200k in positive equity in both properties. And this is a bear market for real estate. These will add to my retirement funds in 10 years and these should net me over $400k once housing goes back up. I have other retirements outside of these as well (get Fidelity pension from my hospital work) and putting extra in my 401k .
Down 4.6%. I should’ve waited a week before I splurged big on VOO. I am not looking at it until June.
Stay strong, VOO bols..... this actually might end up a down year but we play the long game 😏
I’ve been buying a share or two of VOO every day or two. Ride the wave, this will pass. Or that’s what I’m telling myself.
I full ported VOO in January. Is this all my fault?
Had the same wake-up call years ago with concentrated stock picks. Moved to S&P 500 index fund as the core. Broad exposure, no single company risk, just keep DCA'ing. Defense stocks aren't magic, you're just swapping one sector bet for another. The boring answer (VOO/SPY, DCA on schedule, stop watching charts) is almost always right.
If you're new to trading you should 100% just buy VOO. Frankly, even the self proclaimed "expert traders" in this sub would be better off buying VOO lol.
Hi guys, I have been keeping my money in banks for as long as I can remember. I kinda lacked financial literacy (&probably still lacking). Anyways, I have some gold that I want to keep for now which is like 20%~ and I have like 50k USD that I would like to invest. Plan is 70% VOO 25% XVUS 5% NVDA 5% AMZN. do you think I should DCA or should I be more aggressive since the market is currently down. Thanks,
Brother. If you're talking about the "trend," it's too late. Judging by the post, buy VOO/ VTI. And keep learning. That said, I've been buying domestic fertilizer/ industrial gas producers.
Currently down 2.76% berkshire and sgov are top holdings followed by VOO. I had a decent portion of DOW, DVN, MRNA that I have been cashing out on since nearly all 3 of those have doubled my money within the past couple months.
Its not as much as you would think. According to this site, they have an 88% overlap by weight. https://www.etfrc.com/funds/overlap.php?f1=VTI&f2=VOO
Sounds like you need a dose of VOO lol
If you are 25-30 years old go full port on SPY and/or VOO, delete the app, and thank me in 10 years
What you are seeing right now is EXACTLY professionals advise for diversified portfolios. Yeah, it isn't the sexy huge gain screenshots people like to post, but like most gamblers, you only see the wins, not the losses. Pick a core position in good, solid companies with good fundamentals and in diverse sectors. (retail, manufacturing, tech, AI, defense, consumer goods, bonds, etc) and in a ton of solid ETF's (VOO, VTI, QQQ, JPEQ, SPY, SPYI) and some gold and silver. Sure, take some long shot bets if you want. I have taken some long plays that may make good money if they take off, but they certainly won't ruin me if they fail. Investing is a marathon, not a sprint unless you are very, very lucky.
geezus, out of all the software companies that have taken a hit, youre thinking about the one that is most likely to actually go bankrupt due to AI .... dude .... stop please .... just put whatever you have left in VOO and let it sit, this aint for you
Bro you need to VOO or VT and chill, if you are really fiending for an individual stock go BRK.
Very well written answer. I think you just convinced me to go into VOO over QQQM. Thanks.
VOO and ~~chill~~ panic and sell everything
Depends. Those particularly skilled definitely can time things better. Cash is king right now, since the VIX is trending. Long term positions can be hedged, deferring taxes but preserving optionality. One can be equally long VOO, short SPY, for short periods of risk-off. No options premium to pay. But yes, for 99% of investors working a 9-5... they haven't got time, economies of scale, structure, or the accountant to deal with volatility, so it's better not to try.
You maxed out your Roth contribution in a low cost index fund at the start of the year, so presumably you cannot invest any more money this year in the Roth correct? You jest about uninstalling the app, but realistically, that is the statistically best advice because there are no actions you can take besides selling and investing into something else, de-worsifyjng your investment. 100% VOO (Or VT, VTI, etc) assuming a time horizon of 10 years or more is the best investment sans luck or edge.
You'd have 23k in gains if you just left that initial 15k in VOO, not need for 100k
Well I'm talking about the large ETF and target retirement funds in general. It just props up businesses long past their prime. More and more grift in the total market every day. If you don't work to select investments carefully I think you'll get wiped out sooner or later. The whole VOO and chill thing will work until it doesn't. And there will be a lot of pissed off people who never took a vacation. Just my opinion but you do you.
USDU outperforms VOO in the long term.
VOO goes below $600 and this is how you pussies act
People always jump to QQQM because yeah, recent returns look better and it feels obvious. But you’re basically concentrating risk way more than you think. QQQM is heavy tech. If tech runs, you look like a genius. If it stalls for a few years, you’ll feel it way more than VTI or VOO. That’s the part most people ignore when they say long term. Also long term doesn’t mean smooth. You can easily get a 5 to 10 year stretch where QQQM underperforms broader markets. Happens more than people think, just no one talks about it when things are going up. VTI is boring but that’s kinda the point. You’re owning everything, not betting on one sector staying dominant forever. Honestly the real answer is balance. A lot of people do something like mostly VTI or VOO and then add some QQQM on top instead of going all in. Feels slower but way easier to stick with when things go sideways. I keep this stuff simple and write about it from a normal salary perspective, check my profile if you want 👍
Buy your normal SPY/VOO and proportionally short this
Crazy disparity between SPX futures and actual AF trading. Futures up .20% but VOO down 0.09%. They usually trade in concert. Gonna be interesting market tomorrow.
Yeah, QQQ has a lot more overlap with VOO than VGT does and VGT gives you exposure to smaller tech companies that aren’t in either fund.
If you’re already investing in VOO/VTI having FTEC or VGT is better than QQQ
What makes you say it has underperformed? When I compare it to VOO and SPY (see for instance this chart https://testfol.io/?s=38jvXKWXqfy) there is very little difference between the total returns of the three ETFs.
It’s absolutely unethical and blatantly illegal market manipulation. At the same time, it only works if people panic and actually put any weight into the words of an idiot who happens to be the nation’s leader. I trust nothing out of his mouth, I certainly don’t let him dictate how I invest. I will continue plodding along, buying my VT and VOO and VXUS once a month every month, and not let day-to-day fluctuations (especially the ones designed to scam me) change my behavior.
You can definitely do that. I personally use ETFs since they have a lot more options. Here's a nice table to bookmark: [https://www.bogleheads.org/wiki/Tax\_loss\_harvesting#Substitute\_funds](https://www.bogleheads.org/wiki/Tax_loss_harvesting#Substitute_funds) While the IRS has yet to formally state what they consider substantial identical, I personally try to avoid switching from a fund like VOO to IVV since they follow the same index. Luckily there's a lot of very similar funds that track different indexes, so I TLH to those first. You don't need to wait any days either. For example, if you purchase 10K of VTI and it drops 3K, you can immediately sell it and buy something like VOO and reap the harvest with no issues.
Options are for maybe 2% of my nut. The other 98% is VOO or cash.
I feel you. But unless you need that money tomorrow , next years, all you have to do is stay invested, DCA, VOO and chill? Shit will go down with or without him. Pandemic , AI bubbles, inflation. This stupid fuck is just much more vocal about his agenda. But if you’re trading options, theoretically his volatility is a traders dream.
500 robinhood shares of avg 102 and 300 QQQ shares of avg 611. They are crying in the corner. It’s better than to lose them in the options. Try selling a covered call on VOO. Target 45 days and with a comfortable strike price. Premiums are juicy right now. So you should offset some losses.
I feel like the key to passive investing is to be oblivious. I didn't even know we were down 6% until I looked today. Apparently VOO took a 17% dive last year, didn't know that until today either.
SPY/VOO after hours only up 0.3% and ticking down as of 4:55p. Don’t think Donnie’s pump attempt is going to work. We’ll see tomorrow.
Same here; if I had 100K; I would do 80K Googl and 20K VOO
They said VOO and chilll. me down 7% since Jan 2026 (it;s only been 3 months) I guess -20 in next 2. So much winning
So you’re holding shares that are down 8%? Isn’t VOO down like 5%? What is this 401k bullshit???
I'm not an expert on this, but if even a VOO and SPY swap doesn't trigger a wash sale by the broker (nor there are cases of IRS complaining) then I would say you're pretty safe.
If the stock market is in a 2 sigma bubble, that’s inflated assets. You’re so fixated on the 3% YoY inflation you don’t ask yourself if the VOO is inflated. If you think I’m wrong, but the VOO right now. You lost 1.5% today alone and that’s just a sample of what’s to come. I’m all cash and I’ll be laughing my ass as you get cleaned.
I've just been buying VOO to DCA down instead of trying to pick the right stock lol.
You'll probably be okay OP, long as she doesn't find out about the milli you YOLOD on VOO.
VOO went up 20% on this interview so joke's on you
This thinking amazes me. You talk about inflation when the VOO is more inflated than almost any other asset.
Yeah buy shares in SPY/VOO not this pile of dogshit you dumbass... truly regarded
Just bought a little VOO in the 401k. What a deal!
DCA slowly (many may not agree, but it is your money and your risk) with VOO, read "**Bogleheads guide to investing**"
Are you saying I should hold off on executing a limit order at $595 for VOO?
What does option mean? Sorry i have little knowledge about stocks lingu, that’s why i always invested in VOO and well known companies.
Lmao buddy, that’s one way to become exit liquidity for SpaceX Go on, VOO and chill into exit liquidity 😂
I’m just DCA’ing VOO and chilling. Things will be fine long run.
I should have become one of those guys that charges people 1% to buy VOO and bonds for them
Do not day trade, it is highly unlikely you will be profitable doing that. Keep doing whatever you're doing and put money away in low cost funds every week ($VOO). Don't dump the full $100k into something. You could dump like $10k at once just to get things moving but from then on just add a small amount each week.
Think long term, but something you never have to sell, because then you never have to pay taxes. You can access capital gains tax free through margin - (sbloc), for that purpose I buy VOO. Dollar cost average and buy into it regularly and the ups and downs really don't matter. This is something that works if you have a long time horizon but not if you are older and need the cash .
**Long-term investment portfolio, age 30, budget $150k** 1. VOO – 40% 2. QQQ – 20% 3. GLD – 10% 4. BSV – 5% 5. VGIT – 3% 6. TLT – 2% 7. FTGC – 10% 8. SPMO – 5% 9. ARKK – 5% Now, let me explain why I designed it this way: 1. VOO is a fund that invests in the S&P 500 index. 2. QQQ is the Nasdaq-100 index fund. 3. GLD is a gold fund. 4. BSV is a short-term U.S. Treasury bond fund. 5. VGIT is an intermediate-term U.S. Treasury bond fund. 6. TLT is a long-term U.S. Treasury bond fund. 7. FTGC is a commodities fund (aluminum, iron, steel, copper, barley, wheat, palladium, platinum, and more). 8. SPMO is a momentum stock fund. 9. ARKK is a technology fund. I’m waiting for your comments.
Small caps for whatever reason seems to have a disproportionate number of promoters compared to actual size. Not sure why. After a big crash they tend to get overly beaten down and there's tremendous opportunities. But precrash they are actually anti-momentum... The winners \*leave\* and graduate and leave the Russell. The losers \*stay\*. VOO punishes and kicks out losers and give more weight to winners.
On this sub and across all of Reddit, the Dunning-Kruger effect is just far too common. Lots of “Reddit Experts” talk very confidently that they know what is going to happen, when in reality they don’t know shit. This is why most people should just VOO and Chill.
Fellow hustler. We might be entering a recession, maybe a long nasty one, with more volatility and craziness from the Trump administration possible. But! If the world doesnt end and the Dems win in November we might be back to "normal" by end of year. You need to decide what your goals are and learn as much as you can. Most people recommend a full market fund like VOO and they have had 15-30% returns a year lately which is alot but might be around 5% for the next few years because of craziness haha. Maybe wait a few months and just watcht the market, watch voo, watch if wars expand and maybe leading to a depression. If so hold onto your money. I personally am focused on growth and invest mostly in a small number of stocks that I feel have the highest chance of high returns: DRTS, NLST, IBRX, SLS, ASTS. Some people do most in something safe and a smaller amount in high risk/high reward. Like 80% VOO and 20% some of these stocks, for instance.
Of course this happens after hours when I diversify for the first time out of VOO in weeks
It's generally not a good idea to try and time the market. The best approach for $70k is often to dollar-cost average into a diversified portfolio of low-cost ETFs like VOO/VT over a few months. This mitigates risk and ensures you're investing for the long term.
How old are you? How much cash? I'm mid life and don't give a shit about what the number behind the dollar sign in my account says. I care about the number of shares I have in things I believe will make me money. I want that number to go up. I'm at least 20 years from retirement, a retirement that increasingly looks like won't include today's social security if any at all. If there's a crash, then I can make my shares in VOO or whatever else looks attractive go up faster. If that doesn't rebound, then we'll all have much bigger problems.
It’s part of the learning to invest story. Don’t tell me when you first started to invest that you picked VOO and sat on it for 30 yrs. No, I bet you had some microcap stocks, got burned on one or two, went safer, etc. We all go through some version of this and we’re all gamblers. We just learn how to manage our risk better through trial and error. So they’re starting early - losing $100 here and there when you’re 19/20 years old will teach you life long lessons very cheap. But now they’re familiar with the app, investing, etc and they get real jobs that make real money… they won’t be using Schwab (what I thought was a sleek UI back 15 years ago) and cutting edge at the time (cheap trades I think is what hooked me - back when you had to pay for a trade!) - guess what? I’m still with them just for the sure pain in the butt to transfer everything to a new broker - they all do the same shit now so why switch. So they have captured Gen Z - no other financial app even comes close for that demo.
QQQM = betting that tech dominance continues forever. VOO/VTI = betting that the US market broadly continues. For 20+ years, QQQM's concentration in tech is both its strength and its risk. If AI delivers, you win big. If it's the next dot-com, you eat a lost decade. I go with IVV (S&P 500) rather than QQQ. Even though I am very optimistic and believe in tech dominance, but still I'd like to have some balance to make me sleep better. IVV has enough tech exposure already. Diversification isn't about maximum returns. It's about surviving whatever comes.
I’m 100% in VOO in my 401k for 13 years now
With the market going lower, and may go further down, the best path for you is to make a plan to invest the same $60k but on a recurring basis every week over the span of next 12 - 16 months … Just pick up some ETFs like $VOO $QQQM $VXUS $SCHD $SMH $GLD The results in around 2 years will amaze you
You can slowly DCA, like 1k a week or more and put in VOO. You can add some VXUS when the oil prices start to stabilize
What do you mean? I primarily use Fidelity and have my life saving in VOO and FXAIX
Why would be their name? I.e VOO. SPCX?
VOO is down 2.3% since October 2025 ... S&P 500 is down 4% YTD
VOO and chill wrecks 95% of wsb ports. Just saying.
I actually just called up Salim Ramji at Vanguard and he’s going to create a fund that is basically VOO minus SpaceX, he’s a pretty nice guy. Little surprised he was willing to listen to me, but a 401k with 25% allocated to his funds must have been a pretty good motivator.
Thats what i did. I hold like $20,000 in MSFT and $120k in $VOO. It still sucks.
By forcing the indexes to hold these scam, IPO overvalued stocks they provide a perfect exit strategy for the shareholders that are already acquired privately and the founders, of course It’s really simple if you’re concerned about this just rotate out to some other passive index funds that aren’t just based on the S&P 500 or the NASDAQ 100. There’s quite a number of them out there. That’ll still have quality filters and you’ll get great diversification. Or reduce your percentage of index holdings in the QQQ or VOO. SpaceX, Anthropic and OpenAI all look like rip off IPO‘s that are really there to allow the current shareholders to exit and get a cash King holiday. While everyone else gets screwed and left holding the bag once the lock up ends. I wonder if they’ll waive the lock up. for these guys too since they’re waiving the index requirements lol.
Buy VOO, hold VOO for the next three decades, profit.
I feel like I would move this comment up to the top if I could. It’s so simple and common sensical. You can ALWAYS invest in conviction bets once you have a good foundation. Whether that foundation consists of VT or some combo of VOO/QQM/SCHG/VTI/VEA/VWO/VXUS is irrelevant. Foundations first.
I think the tradeoff is basically concentration vs diversification. QQQM can outperform for long stretches, but it also ties you more heavily to one part of the market. VTI/VOO is usually the “sleep better at night” choice for people who want broad exposure without making a bigger sector bet. So to me it’s less about which is objectively better and more about what type of exposure you want to live with through a bad year.