Reddit Posts
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
Buy VOO a wait 10067 years
The weighting of tech shouldn’t concern you in an S&P portfolio. The market is constantly rebalancing and if tech were to lose traction to finance, discretionary, staples, etc. it would automatically rebalance by the weight of those individual stocks in comparison with S&P market cap. It’s only heavy on tech because those are the largest companies in the S&P, as other sectors grow in market cap, the gap in weight would theoretically narrow. The S&P is a good representation of the total market as a total market. When you compare VOO with something like VTI, there’s really a minuscule difference and they tend to move in parity because the weighting of the top 500 stocks is what is moving the market, much more than the remaining 3000 stocks in the total market index. Even an equal weighted S&P fund is going to have a strong correlation with the S&P, though much less volatility in there. If you want to diversify, you should diversify across markets; eg domestic and foreign markets, commodity markets, fixed income, etc. but the composition would remain entirely on your risk profile and your liquidity needs
Half in Prudential and half in VOO
The ultra safe VOO is up 50% over that time frame. What on earth were you doing?
I think you were right up until large losses. Again, the dry powder is a small percentage of your portfolio, so if you buy something on a shot term discount, if you end up losing money on that trade then it shouldn't be a huge loss. Personally, I keep some cash on the side for things like specific stocks that I feel have downturns that will be short lived and upswing that will last years. Could I have made more just buying VOO and forgetting about it? Maybe, frankly I don't feel like doing that math. What I do know is my NW is growing steadily and I don't really take losses because I buy solid investments with long time horizons. Should more people simply VOO and chill? Probably. But most people in this sub like to do research, learn about companies and opportunities and try to beat the market, even though we probably won't, because we think its fun and we are still mostly invested in diversified funds. My "play money" is less than 5% of my total invested NW so I feel fine tossing some cash at a speculative investment just to see what happens.
Scenario 1 Of my invested amount, I hold about 30% to 40% in a triple levered etf vs my preferred index. So let’s say I start with a $100,000 account, with $40,000 in UPRO, and I’m benchmarking performance against VOO/SPY. If I make a $1,000 deposit, I buy $400 UPRO, and leave $600 cash. My overall performance most of the time matches the market, but I’m 60% cash. When the market goes down by more than 20%, I use all my cash to buy the index fund, VOO or SPY. This strategy outperformed by wide margins over the last decade, with zero risk of margin call, and the downside being that triple levered etfs will perform terribly if we see a decade with more down days than up days. Scenario 2 I have $1,000,000 in a portfolio margin account to start. I put it all in VOO. When the market goes down 10%, I use a box spread to buy $90,000 worth of VOO. When the market goes down 20%, I use a box spread to buy $80,000 worth of VOO. So on and so forth down to 50%, at which point my debt to equity ratio will be 70%. When the market returns to its starting point I sell all of the shares bought with borrowed money. So long as the market does not do a 1929 style crash and the time it takes to return to start is such that I surpass the rate to borrow in my box spreads (which for much of the last decade was less than 1%), I outperform the market. Both of these strategies answer your question and outperformed the market over the last decade, however I’d caution everyone that in the event that AI does not deliver on it’s promises and the non-AI economy continues to stagnate, the next decade will not be as rosy for investors as the last.
How much would you have been up had you just put it in QQQ and VOO and forgot about it?
If you just bought VOO or VT, you would be up almost 20%. People don't want to make money, they want the thrill of losing money.
Buy VOO or QQQM on an automatic weekly basis weekly basis. Use a firm like Fidelity that allows fractionals. Set it to whatever you can afford. For some that is 100/week. For some it is 1000/week+. Always work to increase that weekly. That’s it. Spend less, invest more auto. Here is the important part: sell ONLY when you have something urgent to pay for. You’re already messing this up by talking about: I can’t sell NVDA because it is on a dip. Market don’t matter, urgent need to spend does. If you make good money, hire a trustworthy pro. Most suck. Just be aware. Don’t be shocked if you move brokers during your life. It is easy, no contracts. Life goes on.
Option price of spy should be effected by price movement of snp500. The snp500 should not really be affected by spy options, but I guess it could. Same with the vanguard VOO etf
When you have a low starting amount, your focus should be on one thing. Since you don’t know what you’re doing, buying an ETF like VOO is all you should be doing. It won’t make you bankrupt, and it allows you to “feel the market” and get used to the constant fear and greed
28M, I have my 401k matched, roth ira the boring VOO, VT portfolios but I wanted advice on my brokerage stock portfolio. Holdings: Please advice any holdings I should add. I added companies that I believe can't be replaced in the long term for what they do. Cash: 27% QQQ: 18% GOOGL: 13% META: 9% MSFT: 9% BRK-B: 8% TSM: 6% ASML: 5% MELI: 5%
Buy ETF’s to start. VOO and QQQ (if you want a technology tilt) are good places to start until you know a little bit more about the market. At 18, you could simple DCA into VOO for the rest of your life and easily become a multimillionaire.
What do you expect buying 2x long shares in a company valued at 18B with 1.4m in revenue TTM? Buy VOO since you can’t make good decisions on risk management
When greed comes for its paycheck. Taking profits never hurt anyone. Better luck next time. Granted, most likely won't be a next time. Back to the hamster wheel via VOO and chill you go with the rest of the normies. 💀
I understand why you would say that, however, I disagree. The reason I would say it isn't timing the market is because cash on the side isn't just for buying an investment like a broad market ETF. Dry powder is there to take advantage of unforseen opportunities and black swan events. It's there to give you the flexibility to take advantage of situations that come your way without needing to sell investments to do so. Sure, if all you ever invest in is VOO then having lots of dry powder doesn't make a ton of sense. However, if you invest in VOO and some individual stocks and other assets like trading cards, cars, houses, art, crypto, or any other speculative asset that isn't "basically guaranteed to go up" you might want to have some cash on the side to reduce total net worth volatility as well as give you the option to capitalize on short term downturns. I get how that looks like timing the market, you are waiting for the time to buy something to be correct, but its not "timing the market" in the way its talked about in this sub. You're still invested, you're still DCAing, you're not sitting on the sidelines, you're simply recognizing that you don't know everything and you want to reduce volatility and give yourself the opportunity to take advantage of opportunities that come your way. Does that make sense? It's ok if we disagree, I just want to make sure I'm being clear.
Cash out, put it in VOO, and be grateful for you 50k
You were not “investing”, you were gambling. Sell everything and stick it in VOO before you lose $200k and your wife.
VOO and chill dawg you ain't stevie cohen
Whoa, thanks for linking that one. Just bought more VOO.
Here’s a good article on dividends: https://www.downtownjoshbrown.com/p/dividends-are-a-feature-nothing-more Invest in good companies with good stock performance. Invest in a good ETF like VOO which tracks the sp500. I would have kept Broadcom personally
Presuming you have no debt, the entire 68% should be invested after you have 2 months of liquidity. It takes 1-3 days to liquidate investment like stock or bonds, so investment is just savings. Now, how to save: 1) Traditional and ROTH 401k/IRA should be funded first. Tax advantages accounts are a godsend long term. After you max out the tax advantaged account, you can open taxable accounts. 2) Buy low cost ETF like VOO, QQQ. That's all you need until you have 500K, then toggling makes sense. Before that, Bonds, or diversity is a waste of time and makes things worse. 3) If you need liquidity for a home, you'll have to assess the facts later as the variables are too dynamic. I would just save like crazy in a tax advantaged way. That old helps and will never hurt.
VOO or VRTTX and then go find ways to increase your income and savings rate to invest more.
What happened to being a VOO bull?
Bears: LOL BOL, WE'RE GONNA CRASH Bulls: LOL BER, BUY EVERY DIP VOO: +0.00%
And no less relevant. Just because you slog away throwing money into VOO doesn't mean there aren't people capable of doing better.
There are 3 types of investors: 1) Passive. Aka: time in the market beats timing the market; VOO and chill; <insert favorite index ticker> and chill. These people DCA into the market and don't worry about the ups and downs. The most trading they ever do is a periodic rebalance. 2) Active. These people actively trade with a time frame of daily (day traders) to a few years. 3) Hybrid. These people have a mix where a portion of their investments is passive, and a portion is active. A popular version to to passively invest 90% of the portfolios, and have 10% for active trading, or to keep on the side to buy the dip. Type #1 does not have "dry powder" and doesn't need it. Type #2 & #3 can, and probably should, have dry powder. Note: personally I wouldn't bash on any version above, (I'm a #3) but it's important to understand the difference.
Your portfolio shouldn’t be 100% equities even with a “time in the market” philosophy. Having a mix of equities, bonds, cash, and alternative assets allows you to weather downturns and rebalance to “buy the dip”. For example assume a 80/20 mix of VOO and BND in a 100k portfolio. In March 2020 VOO dropped 33%, BND dropped roughly 3%. That puts our portfolio value at 73k (VOO: 54, BND: 19). This means we are no at 27% bonds and we rebalance by selling some bonds and buying equities.
Sold puts for a loss at the bottom yesterday morning, sold calls at the bottom this morning, maybe I should just buy VOO shares and chill
Very similar spot just a bit younger than you. Wife and I have been aggressively investing a high % of our tech sector incomes for mainly into VOO and equivalent. Just recently began shifting a ton of focus into bonds and some into gold, specifically to help ride out sequence of return risk or USD devaluation scenarios if we early-retire or just downshift into lower paying jobs or projects in the next decade. Exact mentality from your last line there. It’s “another segment of our portfolio to live off of if / when shit hits the fan” for a few years.
Even without taking out the mag7. VOO is 15% YTD while VXUS is 27%
Seems easy to me. I just bought VOO and ignored it. UP 90% in 5 years?
Learn how to use stop los-- no, actually, that's not enough. STOP BUYING INDIVIDUAL STOCKS. VOO and chill, because you otherwise suck at this.
Pick solid companies and invest there and do VOO
Yup, just gonna keep my weekly auto-buy order live for VOO. Almost bonus szn too so should have some more money to spend on cheap assets 🤑
Should I sell 1 of my 7 VOO shares at a 572avg to buy a META share?
VXUS and chill. VOO too wild right now. VXUS is performing well in this economic climate, and will continue to outperform the S&P (VOO) for, say, probably the next 3.2 years.
“In no time.” It’s going to take 31 years to get back where he was 6 months ago, and that’s assuming 10% avg return from SPY and ignoring inflation. Adjusted for inflation at around 6.5% real return, it will take roughly 46 years. So OP, just put your money in VOO and wait 31-46 years to break-even.
Makes sense. The employment data hiding is a huge smoking gun IMHO. I will see how the next week goes, I am not entirely derisked from US yet, so if there is a pull back that will be my opportunity to reduce VOO. Honestly I am waiting for that 10-20% drop to deploy my dry powder to VWCE, while doing DCA to EM and EU. Last 5 years VOO worked nicely but I don't see any benefit in buying more at a high price while putting myself in a narrow space.
The younglings around here are going to learn, hopefully, that investing near and in retirement is a lot more complicated than DCA'ng into VOO. The accumulation phase can be simple. On the other hand, [William Sharpe](https://en.wikipedia.org/wiki/William_F._Sharpe) called living off a portfolio "...the nastiest, hardest problem in finance.".
Long term: VOO and real estate Short term: HYSA Gamble: Crypto
Mag 7 and space stocks at least for me but mostly VOO
About 90% of my port is currently in VOO/ONEQ/GLD and cash. Will buy individual stocks again after this nonsense. Thank you for your attention to this matter.
This is not a binary decision. If you are 15 years out from retirement it might be a good idea to start building out a bond ladder. TIPS should be considered. Nominal Treasuries, TIPS, CDs, Preferred stock, closed end funds — these are all investment vehicles. Investing is not just about VOO and cash.
An idea I heard in the 1990s: (a) If under $100,000, try for "home runs". Try any strategy. This can save a lot of time compared to buy & hold VOO for 50 years. (b) Once over $100,000, switch to safety (e.g. VOO, SPY, VT). Modified idea: (b) Or go 50% safe, 50% risky. Or 90% safe, 10% risky. \- To adjust for inflation, use $200,000.
I mean if you think about VOO and chill it is just bagholding long enough, and bagholding more every time, until you're rich.
Nice summary in terms of 2025 investment advise in my opinon! The important part of your comment for me is the fact you highlight that you will not sell out of VOO but invest new money in BRK.B, as this gives you more diversification, and no matter what the OP wants to do, it is important to diversify.
VEA is up 34.4% since April 8, VOO is up 28.8%. https://finance.yahoo.com/quote/VEA/history/ And https://finance.yahoo.com/quote/VOO/history/
I’m gonna keep it real with you, literally none of those are “good investments” besides VOO. Are you trying to trade or actually invest? Because if you want to invest just DCA into VOO and forget it. Everything else you listed can be dumped in the trash.
If you're already in names like GPUS, BURU, Intel, VOO, NAKA, and CORZ, you've got a mix of speculative plays and some stable exposure. If you’re looking to add a few more “safer-ish”tech or tech-adjacent names,most people usually keep an eye on things like: Large-cap tech (the usual mega-cap names that move slower and have real revenue) Semiconductor (broad ETFs if you want less risk compared to single stocks) Cybersecurity (tends to holds up well long-term because demand keeps growing) Healthcare+biotech ETFs(way safer than individual biotechs which can be volatile) Nothing is really a “safe bet”,but staying with profitable companies or broad ETFs is generally a steadier approach than pilling into small caps or hype tickers. Speculative plays can run hard,but they can also drop 50% overnight—so keeping them as a smaller part of the portfolio usually keeps the stress down. Just my two cents—do what fits your risk tolerance and timeline.
lol how is the average VOO/401k/international pension fund getting ‘scared out of their position’? Mag7 is propped up by set-and-forget bagholders
Honestly, if I had $10k I would just do $QQQ or $VOO. It doesn't need to be complicated. This is not advice, just opinion.
VOO is just an s&p500 index stock and I like having that as a backbone to my portfolio because it routinely outperforms short term traders. I read a book called “The Psychology of Money” by Morgan Housel and he did a good job of explaining how and why retail investors fail to compete with the market at large. So to me, it’s always a good idea to invest in the market long term for retirement, but use only a small percentage of the portfolio for risky trades. I myself, admittedly do not follow my own advice sometimes. I sold some of my VOO to buy BYND calls, and for that I am an idiot, but I learned a lot about myself and about the market.
Why VOO? Seems like a safe bet but slow returns right?
I am still in the green for now 😂 but I have become desensitized to the movements, I have my own convictions for crypto and VOO so it’s a no brainer to just hold and buy more
This is my all time chart over the course of 7 years. When the market is bearish I stack up and park my money into VOO and crypto DCAs. I learned my lessons with BYND and other stocks, don’t chase fast gains. Have a backup plan, only risk what you’re willing to lose with penny stocks https://preview.redd.it/1zbu3jmgj51g1.jpeg?width=1290&format=pjpg&auto=webp&s=02078d82e869e5fd6a3a5b1827cb48097fa6672e
Mostly VOO and QQQ. Indices historically go up in the long run. I also have META. Hopefully, it goes up within one year lol I'd average out your entry point. Say 833 into VOO monthly to iron out the volatility. Any cash should be earning interests in high rate savings accounts or BIL etf.
Hey just buy VOO and SGOV
So buy VT over the next year of two instead of VOO; got it
VXUS is VOO for people who don't want their "total market" fund to be 10% NVDA and 40% MAG7
People realize there are companies out there that are not AI and will not crash when the AI bubble is exposed right? This is why diversity outside the incestuous AI MAG7 is a sensible choice. People really out there buying VOO with their retirement funds and not realizing the mag 7 will make up 34% of their “diversified” portfolio of 500 companies lmao 😂 Anyways putting life savings on $LENZ tomorrow don’t @ me
I read all replies. Frequently mentioned are 1. VOO 2. Gld 3. BRKB 4. META 5. Msft and google 6. Bitcoin 7. VGT VXUS etc 8. All others
Google, Amazon, and VOO. This is the holy trinity.
Wouldnt putting that money into an etf that gives a good dividend yield (even the dividend of VOO is good) be better? Sure the dividend yields less than a high yield savings account but the dividends, if reinvested immediately via your broker (like Schwab having thays as a setting to auto re invest) yield even more by providing shares that can gain as well. Baring you starting out a year or 2 before a market fall, you would do better Not to mention saving money to buy during the once in a decade fall is dependent on you knowing its thay crash in the moment. Most people would more likely buy to early in a crash or too late to make up the potential money they lost by not investing as soon as funds are available. And I've never had an investment analyst, some of which I personally am friends with, recommend me to hold some to buy for potential future dips. And thays cause they say DCA works a large majority or times and holding for dips requires yoy to time things correctly which makes it even less reliable. They do recommend people to save monwy for emergencies like unexpected repairs, hospital visit and such but not for buying dips, which makes sense
I already have AI exposure directly through VOO as mentioned, and indirectly in BRK.B through energy companies. Their cash is generating a 4% yield anyways so the risk premium is low, and there is a great deal of uncertainty in the market right now. If you're looking for a hedge, it's kinda got one built in.
If I would’ve been putting in $20/week on VOO since high school id be a millionaire from that move alone
Im probably one bad decision away from VOO, VTI and VTSAX for the rest of my life
For long term play, and if you're concerned about the volatility of the market, it's not bad to do 50% lump sum and 50% DCA gradually over any period of time you'd like. VOO has a high market cap so even if it's overvalued, when things go south for VOO it's probably going south in a lot of other places too. VOO and VTI historically have a 99% correlation (don't take my word for it, do your due research). You can split it 50/50 or just pick one and spend less time stressing about it.
VOO is rebalancing next month and likely become more diversified
A year ago I would have said VOO. Today, I'd drop it all into BRK.B. The AI and Mag 7 concentration risk in VOO is too high, it's no longer a broad-market fund. 8% is NVDA. The Mag 7 account for almost 40% of VOO. BRK.B has very little Mag 7 concentration (8% AAPL), and no AI exposure except indirectly through their energy company investments. They've also got 38% of the fund in cash on hand to make targeted acquisitions if things move the wrong way, and they'll do a better job that than I will. I'm not moving out of VOO, but instead allocating to BRK.B to balance it out and hedge risk. Dropping a few targeted investments into NVO (3.5% dividend now), NKE and if I can get it at the right price META. Will probably sell covered calls on the individual stocks if they fall to lower cost basis.
Same. I bought 180 shares at $4 in my brokerage account. Also bought 850 shares 2 months later at about $14 in my Roth IRA Do you think it will rebound? I’m still up in both accounts but watching it drop has me thinking about selling and taking my winnings off the table and put it into something less volatile like VOO.
Why would you do VOO when VTI exist and has same ER?
I use Fisher. Returns for my Fisher account versus VOOG. 2022 -18,1% -18.15 VOO 2023 30.6 26.33 VOO 2024 18.3 24.94 VOO 2025 18.04 16.06 VOO as of 11-13-25 Totals 48.84 % 49.18% This includes my between 1.25 to 1.10% fee to Fisher. Very close.
Can weigth by RAFI fundementals, see PRF (large caps) or FNDB (large/mid/small). TSLA/PLTR end up being weighted to nothing cause they suck. APPL/GOOG/META are still at top cause they're solid companies, though not nearly as high as in VOO. I mean no way tech sector undergoes a major correction without entire market going along with it, heh. Highly likely VTI beats out whatever fancy stuff you try.
You don't need a Fidelity equivalent. You can buy VXUS at Fidelity. FXAIX is Mutual Fund equivalent to a VOO (ETF S&P 500 index) I am a 20yr Fid customer.
Normally I would never suggest bonds for someone who is 20. But there is a slight issue in advising someone from investing all of a fairly large sum into VOO. If it goes down for three or four days straight it might cause the advised to decide stocks are a scam and invest their money in automobiles for half a decade or more. On the other hand if you were to outline a strategy where you split their money in 5, invest 1 part in VOO, 3 parts in various types of bonds, tax free munis, high rated corporate, foreign / high risk and 1 part in like a REIT. Then it will teach the advised about all these instruments as well as provide a lower risk entry into the stock market. Then in 6 month increments try to liquidate another 5th of your total portfolio from bonds and put it into VOO. Unless the market dips a whole bunch in which case maybe you pull it forward a bit. This way you will probably get an average price for a 2.5 year period. And even if the first buy or the second buy in ends up being at the top of a peak, you still have three buy ins to look forward to at a discount rate, so you are less likely to panic sell everything at a loss and not touch stocks again. However if I were magically 20 years younger and I had 150k to invest I would put it in about 10-15 stocks and follow the news and earnings reports for these companies to know when its time to bail
Mmmmmm yummy yum yum discounts from morons panic selling the 2 shares of VOO they own at a loss :\^)
$401jk Fighting VOO and chill head on 🤙🤑🏴☠️
look at him. delusional btc bull. have fun staying poor while I make a killing with VOO
It's a volatile cryptocurrency that may or may not appreciate in value long-term. It's also very risky and could dump hard. If I *had* to invest the 150k in crypto it would be BTC. But even then, I wouldn't recommend it. I'd say some index fund like VOO. Better safe than sorry. That's just how my risk tolerance is. I'm in my 40s now and if I had a second chance to choose my investments from my 20s again I'd stay clear of any and all crypto, except for BTC.
Days like today make me just want to change my strategy to just all in on VOO and just weekly dca without caring about the market lol.
NVDA needs to go back to 200 so that I can just VOO and chill.. I’m done tryna be Mr. Wall Street Trader 😩
VOO until you feel comfortable picking stocks. When you are ready to level up, look at projected sales growth and operating profit in relation to valuation. That is it. Don't succumb to fear and greed that permeates the stock market. No YOLO, FOMO or HODL.
Emergency fund in HYSA if not already sorted, rest in VOO or VTI and forget you have it. Not sure of your living situation, but you may also want to leave some in a HYSA to go towards a home down payment as well. I would try to get at least $100k into the market however.
It really just depends on your circumstances - income, future income, etc. The most important thing is to determine what those circumstances are and to always invest with a plan. Don’t just buy some stock, not even VOO, because it’s recommended or has performed well in the past. There’s not a “right answer” for everyone.
If you're in your mid 20s and don't need money anytime soon, just put it in VOO and chill. You'll thank me later. NFA.
Split QQQ and VOO and forget about it for 30 years. Wake up to $1m+ when you’re 55
Lot of chatter about VOO being overvalued at the moment. I know no one can predict the future of the market, but let’s say I had 100k to invest right now and wanted to go with a safe ETF for long term play, would you have any reservations about putting it all in VOO?
You need to actually sell to claim the capital losses. It would be smart to trade let’s say SPY when the market is down to a similar asset, VOO. This way, you get to claim any losses on SPY from when you bought it, maintain the same amount of money, just in a different form, then sell the new asset when you want. Tax deferred = tax advantaged, because of the time value of money. In addition, if it’s short term losses, you get the best bang of your buck, because this lets you cancel out (the tax from) other short term capital gains, then long term capital gains, then normal income. If you hold VOO for longer term, then you pay less tax on any gains.
Cool. I see VOO and DHHF as vastly suggested but I'm stuck for a month on deciding which platform to go for. I wanted to do regular investments like $50 a week but also interested in CHESS sponsored. I guess only either would be possible.
GME is about to squeeze to $10,000 a share and you guys talking about VOO 😂
I will be going all in on VOO/SPY... when SPY hits about 500.
For that amount, don’t feel bad about taking it. Ask whoever is helping you financially if they want it. They will likely tell you no. The next move is to find income. Hit the bricks. No time for pity. Ask friends and family, connections, don’t be slick, be up front. Someone has a line on decent gig that needs people. Be grateful for what you get. Then start saving up again. When you have income, have auto investment. I don’t care if it’s $10/week in sp500, VOO. Open a place like Fidelity, they are great. Use new job 401k, but also do it outside of employer. Get in the habit. When something comes up, you sell to pay urgent expenses, otherwise you keep investing. Simple. Best of luck. God speed.