Reddit Posts
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
When I put $5 on a stock I win , put $50 in I lose almost every time.
Revenge traded a NFLX loss into a $700,000 MSFT profit 💰
I wish I never invested into LUNR and NASA. been waiting for a few weeks to sell, but ofcouse dip keeps dipping....
Best Way to Diversify Brokerage vs Roth IRA?
Selling $DRAM (up 13% today), evaluating alternatives.
Chasing the memory stock rally ruined my portfolio. Now I don’t know if my new portfolio will save me or make things worse
22, Nervous about Risks / ETF vs Individual Stocks
I backtested 44 Robinhood IPO Access deals. Why buying and holding is a trap and the hypothetical strategy that beat VOO
Top ways to invest in innovative companies through ETFs? High risk appetite
going all in on “small satellites”
Uncertainty with my portfolio, should I reallocate, trim, hold?
38M Canadian with Defined Benefit Pension: Looking for Honest Criticism of My LongTerm Investment Plan
Trying to ACTUALLY understand what is happening with memory stocks; not asking for predictions
Are there stocks with 6%+ dividends that still keep pace on IRR overall with equity ETFs (12%+)?
Thoughts on auto-callable basket type instruments with downside protection?
19-year-old college student looking to invest for the long term. What would you buy in 2026?
21, recently married. Any advice for a new-ish investor like myself?
Build an ETF portfolio that could survive a crash
What do you tell people that are too scared to move out of cash?
A warning on how a stock hobby can progress
I am in digital marketing, and I just went full port into Google.
Retiring at 32! 23 year old saves 50% of income in nyc.
I invested in the market today
Liquidated all positions: Sitting on $1.2M cash for a 2026 macro restart. How would you deploy this for the next decade?
I have currently sold all my stocks and have $1.2 million in cash on hand. I would like to purchase a new batch of stocks to hold for the lo
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
ELI5: Why would an ETF like VOO or SPY outperform the S&P500, if even for a single day?
Never seen VOO down so much more than the sp500, didn’t even know this was possible
Would it be crazy to sell my NVIDIA shares (60) to buy into the DRAM ETF?
Is there any reason to invest in VOO rather than VOOG?
Need some advice on how to diversify and invest with a tight budget
Too much of my portfolio is from RSUs - how would you diversify?
I can't beat the market. I won't ever beat the market. After years I realize that now. It's VOO for me.
In 2023 Robinhood killed the chart that compared your portfolio to any stock you want, and called it "temporary." It's 2026.
If you were to invest $5000 today what would you suggest?
What actually causes swings in stock prices?
AI is disruptive. Individual companies have never been more volatile. What’s the argument to not just buy indexes?
What about VYM? That seems pretty immune to the shenanigans of the tech bros. You can't fake dividends.
I don't want ETFs, I want to invest in stocks.
What’s the best way to start a new portfolio. 24yo
If you’re young, increase risk until you are 100% you’ll hit your goal!
What is the best argument against a large cap Growth ETF?
Mentions
QQQ, VOO, SPY +2% by morning. I NEEEED this
He most definitely would have had plenty money if he had done that. Even BEFORE his jackpot during the housing win. He was already managing $600 million before doing the bet on housing. Those 600 million under management would be $6.4b today. With a substantial amount of his own. It’s really stupid to underestimate “VOO and chill” moving into the future. But it’s even more stupjd to do it retrospectively.
He took home like $100million from the big short. VOO is up over 500% since 2010. I’m not great with math but I think he’d have a lot of money.
They mean to invest in the S&P 500. Once you pick a brokerage you can invest in something like VOO which tracks the S&P 500 collection of companies.
He also wouldn’t have any money if he just VOO’d and chilled.
i told myself to never get into spy options, but after yesterday, i realized. It only takes one win. Then you VOO for the rest of your life.
AHCO SPY VOO QQQ all mooning tomorrow prob
Because it's a game meant for you to not win. Get addicted to just stacking something like VOO, give it 10+ years, and you will be winning. It really is a marathon, not a sprint.
I’m mostly buying VOO for obvious reasons, with a good amount of money in QQQM (I feel tech will only go higher with ai even with a potential bubble). I did throw some money in spacex because I think it could go up but that isn’t as important.
You should diversify your financial guys too, stop diversifying with 1mill stocks and just get VOO and VT, thats it.
I'd probably take $300k and put it in QQQM(VOO/SPY)
Boomers with VOO are up 13% YTD and gey bers broke behind Wendy’s 🤌
Do I sell my my VOO portfolio and dump it in NVDA now?
So i like SCHG...its like VOO, but the top 750 companies insteaf of 500 in the sp500...then SCHE (emerging markets) and SCHF (established markets) for international exposure...id suggest s 70/30 split between the btoad ETFs and 30% for individual....of that 70% in ETFS, id suggest 80/15/5 between those 3 ETFS..SCHG/SCHF/SCHE Even though this is what I do, you still want to investigate if this is the right core for you
Ok then put it all into VOO and watch the market for a while It's extremely volatile this year
I def get yah...honestly, if you can afford it, id almost consider selling the individual picks snd put it into something like VOO for the rest of the year while you learn...if youre a long term investor (decade long time frame) a few months won't make a difference while uou refine your process Where i started learning was by looking at Schwab A rated equity rankings...they update their list weekly so its a place to start research and find companies to investigate (i say Schwab bc that's my brokerage) Im a big believer of prople learning how to invest to try and grow their wealth, so I definitely encourage you to keep on your path to try and get ahead of the market...just protect your downside
In those 3 months, have you outperformed VOO?
VOO first day breaking $700, immediately goes to $710 the same day! What a day!
Personally, I just VOO, VT, BRK-B and chill lol.
If youre investing in 20-30 just buy VOO, SCHG, etc...id suggest you have a broad base core and like 3-7 stocks you really have conviction about...just by the law of large numbers, you're gonna (most likely) revert to the average...you'll have a much better chance to beat the market with less picks, and having a broad base etf protects your diwnside...so maybe you beat thr average by 5% but you also (generally) only underperform by a bit
I can shorten it to 1: VOO 2 id you feel spicy: VOO + SPMO
Unfortunately it's the only sub where when someone asks about a stock all the answers aren't "just buy VOO instead". But at least the memes are mostly funny
Please buy some VOO. SCHW SCHX.
You didn't say what your split is between VOO and VIG. Only thing I'd say is at 36 it probably should be tilted towards VOO. 3 months expenses might be a tad low, I'd probably boost that to at least 6 months over time. Nothing wrong with VOO + VIG. I'm assuming the Robinhood account is a non-retirement account. Only thing I'd say is max your Roth first. I would also max the 401(k), at that salary you should be able to afford to. Then if you still have $ left over and want to take some more risk with QQQ or whatever in Robinhood, fine.
To be clear, I have enough for a down payment outside of the Roth, but I could get more house if I dip into the Roth. Context: I am 35, just got married, and about to try to have kids. I also think it makes sense mathematically. At 35, I have about 1.2M in the Roth (unbelievably lucky). After that stroke of luck with NVDA in 2016, I moved everything into VOO (VFIAX Actually) where it now sits. Assuming it stays parked in VFIAX for the next 25 years, a semi conservative estimate (historically speaking) would be to have 2.5x my current principal (in today's dollars) by the time I am 60 ($3.6M). So by my calculation, if I pull $200k from the Roth today, tax man takes $80k, and I get $120k more house. This would reduce the above retirement estimate from $3.6M to $3.0M (today's dollars). So yes, 600k less in retirement for 120k more in house... But that 120k is not *lost* and in fact will likely appreciate... So it's closer to 400k less at age 60. Is $120k more house for me to start a family in worth -$400k in retirement? I think it is. Shit, my mom died at 35 years old. I appreciate hearing other people's perspectives/suggestions though. I never anticipated I'd have to manage 7 figure sums, but Jensen blessed me so here I am.
I was cursed to walk up a hill for eternity, but it turns out that hill is green and its called VOO.
Closed my 180DTE options from last week thinking it would take months to recover 😂, pivot to majority VOO and chill. My job here is done. Good luck on earnings today, regards.
For the love of god put your money into VOO if you don’t already have a broker. Pls don’t go into options.
Thanks. Yeah, I’m in grief counseling. And I plan on following the boggle head advice. I found the fire community years ago when I had student loans, I’m not a gambler lol. I staunchly follow the spend-less-than-you-earn and VOO and chill advice. I appreciate that the degens are yelling at me to not be dumb, that’s super nice. I probably won’t gamble anything, just continuing my info gathering. And I’ve always wanted to do a modest yolo move.
it already had a run up. this ETF can move very slow and then go either direction suddenly due to something on the other side of the world better off with VOO/VT
Gambling my money in VOO while we reach ATHs. Sorry about your shorts.
VTI, VOO, UST bonds - 750k, 200k in mag 7, 50k into ONDS RKLB ASTS
You didn’t say how old you are but take $995,000 and stick it in VOO and forget about it. Gamble the other $5,000 on options and see what does better.
VOO joins the latest 700 club!
Market is making it crystal clear that VOO & chill is the way to go. I, however, will not listen.
Dropping all my sideline cash into VOO, the top is in.
Damn is fucking ***VOO*** gonna hit 700 today?
VOO about to test 700
I don't suggest investing in crypto, especially if you're new. Since you're fairly young (saw that you were 28 yo), I'd say VOO/QQQM is a good start. Could be 50/50 or 80/20 depending on your risk appetite.
Recognize the pattern in your own post: MU didn't come back → you switched to 0DTE SPY scalping days later. That's tilt, not strategy. "94% in 4 days" is two lucky prints on a handful of trades — that's not an edge, that's variance. 0DTE decay is brutal in both directions; the same mechanism that gave you +300-400% twice is what took MU from +70k to 16k. You haven't proven a system, you've had a hot streak inside a small sample. So: neither flat $1k nor scaling to 5%/trade. Scaling size *up* after a lucky streak with no track record is how people go from 16k to 0 in a week — proportional sizing on 0DTE compounds variance, it doesn't tame it. If anything this is the moment to size *down* or stop and let the streak prove itself over 50+ trades before trusting it with real capital. Zoom out: you already ran the experiment. Concentrated 2x leveraged bet → +100%, then -80% peak to trough. That's not bad luck, that's what happens when you size for "fastest path to 100k" instead of survival. The math doesn't care that you biked everywhere and saved for 4 years — position size determines whether variance kills you, not conviction. On SNDK/AMD earnings calls: your instinct to back off was right. IV crush is real — front-month options price in the expected earnings move, and even if you're right on direction, IV collapsing post-print can net you a loss. Holding single-name calls through earnings is a vol bet dressed up as a direction bet. If the actual goal is "100k → VOO and forget for 20 years," the fastest reliable path from 16k is a job/income, not doubling down on 0DTE. The options account has already shown you its downside case.
Glad to be among degenerate retards, imagine if we were normal. Just going through life all "VOO and chill my good sir" 🤓 Chilling just to think about it
So for for the investor who did not time the market, …. 12 years to break even, ignoring inflation? This is why big money plays bonds. You guys really are amazing. If the Church of VOO and chill ever open a pretzel shops I will be in the front of the line!
Park that shit in VOO/VTI and enjoy the gains instead of losing 100k
1. Don't buy 'New' Vehicle, 2-4yr old nice one. Not FORD! 2. Don't invest in Crypto. VOO/SPY-Middle of road (the market S&P) Your young add some XLK/QQQ/m, SMH/SOXX (Nasdaq/Tech & A/I). 3. Short the Inverse if gonna play with LEFT's.
SPYM isn’t more volatile than VOO it’s the same thing just with lower fees
Semi bros kept their promise to switch to VOO & chill after God gave them the exit they prayed for.
Not convenient at all, just looked at the last ATH, and if you're in investing in the SPY or VOO long term you haven't had any gains since then. Market has been flat at best since then, so it's odd seeing people commenting like the market is on some euphoric mega pump, that's all. Of course, not claiming this is the ceiling though.
It's in $VTI and $VOO. Not like I can ask vanguard to remove it
Is it weird that I am demoralized by how relentlessly good SPY is... like how hard it is to beat just buying and holding VOO like a normie. When "market" is going down SPY just rotates and drops -1%. When market goes up SPY grinds +4% I know I can crack the code. I know I can do better if I just try hard enough.
If you are relatively young put it in VOO and chill
Just buy VOO and chill. No one can guarantee it will triple in 10 years, but that will give you the best chance of it happening. Sure you might be able to buy a handful of stocks and they could triple in 10 years, but they could also be 1/3 the value
Just buy VOO and chill. I bought the majority of my shares during the dip in 2022 and it's already 50% up in 4 years. That's with adding shares at heightened prices over the years, which increased my DCA.
Are you asking for stocks that there’s a chance they can triple in 10 years at the risk of dropping to 1/3 also? Because there’s no reliable path to tripling money every 10 years. Even VOO might have a downturn and be at least than it is now in 10 years. Unlikely but certainly possible. I’d say roulette table and take middle third. Good luck.
why does everyone say VOO and not SPY/QQQ
VOO and chill for low cortisol poopoobro
S&P averages about 10% return per year with reinvested dividends which VOO and SPY do. That is a long term average that holds for the last 50 years or so. At that rate, your money will double every seven years. Obviously markets go up and down and we have had significant crashes in the last 25 years but it averages out to doubling every 7 years. That means with VOO your money will likely be invested in the range of 2x in 7 years, 4x in 14, 8x in 21, 16x in 28, 32x in 35, …. So if long term average holds, even with just VOO you will have 32 times what you have today at age 53. And of course you will continue to put money in along the way.
I can't stand my boring VOO.
Here is a little spreadsheet that shows how this account has little to no tax benefit if converting to a roth at the 22% income tax bracket. (assuming 15% long term capital gains tax rate for the comparative brokerage account and tax efficient etfs). The 530A imposes a lot of restrictions for not much benefit. For example, you can contribute as much as you want in a year to a brokerage account, making it compound much faster in the early years. It will depend on your specific situation (most importantly your child's ability to pull off an advantageous roth conversion) but I will not be using this account to avoid the fraction of a percent tax drag with VOO. [https://docs.google.com/spreadsheets/d/1vEtTk4pNNBVtBeIPQ2if1bQ9gLAiI5rh7DIA7pWnH10/edit?gid=0#gid=0](https://docs.google.com/spreadsheets/d/1vEtTk4pNNBVtBeIPQ2if1bQ9gLAiI5rh7DIA7pWnH10/edit?gid=0#gid=0)
VOO went down like 10% last week it could go down more
This. Put $450k into VOO and go away for one year. It'll likely be $500k. In another year it'll be $550k. You're back and you didn't have to do anything.
How about you stop saying “get it back” and accept the fact that it’s gone, and just throw all your money into VOO. If you want the best advice, this is it.
Once OP gets in VOO, it corrects another -18%
Everyone here has a mil in VOO which is why we can stomach losing 30k in a minute candle The real question is what do you have outside of VOO in options
VOO & Chill for u now. A strong year can get you the 18% back. Last years return was 20%
Listen dude… Stop right now and don’t look back. You can take 1000-2000 out and trade with that but you’ve probably just been getting lucky so far in all honesty put your money in VOO and don’t be a moron. Trust me when I tell you it’s not worth it. Learn to trade with a small amount first don’t trade with a large sum in your account, make a totally separate account for trading!!! In the beginning… you need to learn, patience and discipline when trades don’t go your way as well as how to navigate and cut losses otherwise you’re gonna ruin your life.
Selling all stocks for profit and going into QQQ VOO and GLD for the year
Is there any broker out there that just leaves you the fuck alone when you have a large value account? Fidelity asked me to trim my cost basis $387 shares on Microsoft and sell my calls + leaps on Microsoft at a loss and just shove it all into their version of SPY / VOO. Glad I ignored them but it’s gross that they made me think about it
VOO 8/7 $697.5 call up 25,700% lol
I'm gonna pretend I bought puts as a hedge for my VOO like a responsible investor instead gambling for big tendies.
Brother just VOO it now, the "goal" is not a necessity.
At over 200k, I would be prioritizing traditional contributions to your 401k before Roth. Investing wise, it sounds fine. QQQ is fine although it’s a big bet on tech. I would recommend VOO being a larger portion of your portfolio than QQQ.
Just stop trading my guy. You suck at it. Keep working like you have been doing an by VOO. Why don’t these idiots learn ? Jesus Christ 🤦♂️
VOO and chill before you lose it all. Consider what you lost a lesson learned and move on.
If the money wont be for an immediate use for you or your family (when you pass). I think you should go long VTI or VOO and try to get maximum gains over a long term. I don't know the age of the family your leaving it for but say you are leaving it for a 30 year old niece or something along those lines. I think you should be aggressive with the money. Best case would be to make a trust with an aggressive portfolio and when that 30 yr old takes control of the money it more than likely will be a bigger lump of money than if you put it into bonds.
I would sell them all today, invest the original 560 back into VOO, keep a bit for taxes and get something useful for 2k. Maybe a weekend getaway. Probably you won’t sell and then on Friday you’ll be thinking why you didn’t sell when they are worth close to 0
All proceeds to go VOO anyway, send it
Me when Im -20% down: Pls pls back to breakeven and I will just buy VOO Me at breakeven: 0 DTE BACK ON THE MENU
Do your thing, but for what it is worth… I would not start with a strategy like this I would just regularly buy VOO. Follow stocks as businesses. Understand how they make money. Follow the markets. See how things move. Do that for a few years. All the best
So I should sell them and buy non thematic etfs like Msci world usd or VOO
VOO (i.e. your last selection if that’s what’s available in your country) and chill. Don’t try to get specific stocks yet. Focus on enjoying the transition into your 20s. Good on you for starting early.
VOO and chill. Start small with like 200 a month, I guarantee you'll have made all your money beack in a decade. Except now you don't have to waste time staring at charts.
As a holder of VOO I'm I allowed to celebrate with all you Bag7 holders?
For the specific pairs you named, the differences are smaller than the discussion suggests. VOO versus VTI is large cap versus total market, and since total market is roughly 80% large cap by weight they track closely. FZROX versus VTI is a fee and portability question rather than a strategy one: zero expense ratio, but Fidelity proprietary, so you cannot transfer it in kind to another brokerage. If you ever leave Fidelity in a taxable account, you sell and realise gains. The more useful frame is that diversification is not the number of funds, it's what they hold. VOO plus VTI plus FZROX is one bet held three ways. The actual diversification decision is US versus international, and how much. On whether global still earns its place after a long US run: https://8figures.com/blog/portfolio-allocations/global-diversification-does-it-still-make-sense
I should have listened to my mom who once told me when i was a child : " Just VOO and chill , let this shit compound"
I’m holding these stocks until they go back up then putting it in VOO
What happens if you have enough VOO that it adds up to 1 MSFT?
Depends. 1 on MSTR? A lot. 100 on VOO? Not at all.
High debt and they haven't done anything exciting or different in years. Not to mention the economy is not good and no one wants to remortgage their house or sell their soul to take their family to the park. I got out and am glad I did. I took the money and put it in VOO.
I think the person who shouldnt be investing is you, the person who doesn't understand basic statistics and has purely anecdotal evidence. I said "revenue growth accelerated" AND "platform data (with the obvious implication the a total platform not your company's failing ads)". And revenue growth accelerating is absolutely platform data considering their whole revenue is pretty much ads. > Raising their CPMs and auction in recent reports without gaining significant new ROAs per advertiser nor encouraging results driven advertising spending is NOT a sustainable growth model. You seem to not understand basic economic price theory. Yes prices per ad is up significantly. You know what that indicates? The ads are more valuable! If they weren't getting requisite ROAS, they would simply scale down meta ads budget and prices wouldn't increase. This is all on top of the fact Meta tracks performance internally. If their new models were performing worse, they could simply revert back. But they're not! Considering you don't understand the very basics of pricing theory and can't separate anecdotal data points to the overall macro view of the company, I'd recommend you just stick to VOO buddy. Maybe focus a little bit more on improving at your job instead of blaming Meta