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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
Good man. Dont be afraid to pick a few! But make sure you really know what you’re doing, because as others say, most actual firms can’t beat the market over 5-10 years, so none of us are likely to. But a lot of the big monopolies are good bets for 15-20% returns per year over long periods, so having some blue chips or individual picks is never a bad idea. But I’d be careful picking small cap and emerging stuff. It’s not even that they might fail, they might just grow slow enough that you’ll look back in 5 years and wish that $$ had been in VOO instead as it keeps chugging
Everyone thinks this and everyone learns. Being a savvy investor isn’t about beating the market, it’s knowing the market will eventually beat you. There are flukes but after a year or two you’ll just wish you switched to more VOO, trust me man. Folks here aren’t trying to bash you or say you can’t pick stocks, just saying the numbers say there’s almost no chance you can beat a low cost market ETF over an extended period of time.
I would also make sure to invest outside of a Roth with VOO and some other vanguard ETFs for future big purchases where you might want to use the funds and not wait until retirement
You sure want to VOO and chill? I plan to buy more VXUS (60%) than VOO (40%) this year. SP500 valuations seem stretched. Dollar is weakening against a basket of other currencies. Trump government cutting more taxes but continuing to spend at an uncontrolled level. And let’s not mention the tariffs and crazy actions this weekend. US has AI and that’s been powering it along and keeping the economy out of recession. But eventually people will panic and start selling. So yeah, I’m hedging my bet and leaning more towards international.
Oh man, thanks for the advice! Say I got like $500 a month to invest, should I do $350 on th roth on VOO and SPY, maybe even the QQQ if I really wanna diversify, or maybe i’ll just go all in on one of those im not sure. And the other $150 into some good ETFS for the brokerage?
I can stomach quite a bit of it honestly, i’m not going to college, going the electrician route so no loans. And did you invest 50% to your roth with VOO and 50% to a brokerage with ETFS? Just want a clear picture here.
Don't know about others, but since I have several decades left until reitrement, I went 50% VOO and 50% stock picks/targeted ETFs. I think I'll let the VOO portion sit and because I'm not smart enough nor have time to do due diligence, I'll keep adding to tech heavy ETFs. I maxed my Roth IRA but had I started younger with less money, I'd probably contribute less to it. What are you thinking about and how much volatility can you stomach?
I would start with Roth, VOO or QQQ are both good options
Guarantee 100 percent VOO allocation would beat this allocation over the span of 3 years. Shit I'm not even 100 percent VOO, its just that this is a bad allocation imo. There is way too many individual stock picks here, I could see this portfolio quite easily lagging the S&P 500. Especially if there was a correction in TSLA's inflated price.
80-90% of Wall Street (paid professionals who do nothing but stocks) do not beat VOO in a given year. Zero beat it reliably over a long timeline. The numbers for us normal folk are even worse. I’m just saying it’s far less effort for what will likely yield better returns. People who like to stock pick generally invest 90% into a VOO or VTI and then “play” with the last 10% to see if they can pick a winner. But lemme tell ya. They rarely do!
I see your point but I see value in other stocks more so then how VOO allocates them. I don’t think I’m highly leveraged into any one particular stock anyways with my etfs broadening my exposure
That’s a lot of work for very small stock purchases. Just put all your contributions into VOO. Set it up to automatically buy each month.
Great question! No, I really like many of the stocks that are in SCHG- and if I didn’t own SCHG, I’d probably want to own them individually, which hasn’t always worked out for me. So, I can own all of them in SCHG in a slightly more concentrated amount. I really like the industrial/energy stocks- so BRKB is naturally an interesting holding. I like its steady performance, and the possibilities for future growth taking into account its cash reserves. I could hold all VOO, but I’m Happy with my holdings, even though there is redundancy.
Look into QQQI instead. If you reinvest the dividends, it performs better than VOO and you pay no taxes
"My understanding is that VOO is basically just S&P500, in which case if tech growth slows down then VOO will reorganize, right?" Yes, but you'll take the initial hit. Just do the math on how much % you have in tech. It's a good exercise. Look up the approximate tech % for the ETFs combined with your individual picks.
Personally I like having 5 to 10% cash on hand for buying opportunities, but the rest I keep invested. You are missing out on great returns if you are too fearful or if you try to time the market. It also depends on your time horizon. If you need it for a house down payment soon, then HYSA makes a lot of sense. Compounding interest does wonders. If you are risk averse, would suggest keeping it in ETFs and mutual funds like VOO (many will say VTI but it offers lower returns than VOO). If you have Fidelity, they have a tool that compares your risk appetite and time frame, and then it will provide you with a recommend allocation.
So if you could barely invest: I would agree with you (somewhat). But you have crazy extra cash for your age. You must make good money, the taxable income reduction will be the best mathematical benefit. And the benefit of maxing that out so early, set to sp500, uffff. You should do something in taxable. Everyone should VOO and chill weekly “something” in taxable (the flexibility, the good habit). But with that much cash your biggest benefit will be tax advantaged account. Do Roth 401k if you want. You have to realize that match is a no brainer, maxing 401k is a brainer. You’re basically overpaying your taxes if you have the means to max it and “choose” not to.
This is all well and good but if your risk is that small then your returns will be too and you may as well just VOO and chill instead of wasting time day trading and obsessing over the market
$50K sitting in SGOV. I take the divvy and reinvest in VOO or gold every month. I've been funding my IRA with it the last few years the first trading day of the year.
I think you're kinda in the middle with this with that timeline. It's not quite long enough to go full risk, but not so short that you need to play it safe either. For individual stocks like RKLB, you don't want your down payment dropping 30% right when you're ready to buy. Maybe diversify that. Put some in VTI and or VOO, and 40 to 50% in a HYSA. Over 5 to 7 years, there's about a 10 to 15% chance the market is down when you actually need the money. With a house purchase, that timing matters. HYSAs are still paying decent returns. When you factor in the tax hit on short term gains and volatility, they look pretty reasonable for part of your savings. We built a comparison tool on our site (BankTruth) so you can check updated rates without hunting around. Rates can always rise or fall depending on the Fed. All in all, just don't put everything in one place when you've got a specific goal and timeline.
Also if he had just put $57k into VOO in October 2019 and let it sit, he’d have $71k profit as of today
7% average is a historical average of the stock market that is traditionally used as the annual average. VOO is a reflection of the S&P500 index. I'm not sure where the conflict is. The assumptions all have historical context.
VOO and QQQM - keep adding and move on with your life.
I’m sticking with VOO and QQQM….my guessing days are done.
Set your 401k to sp500, lowest internal cost option. And max that out. Get as much in the ere as early as possible. Open a Fidelity account and setup an auto weekly amount of either QQQM or VOO, doesn’t matter. And then work to increase whatever your weekly is over time. The hard part is: only sell when you have something urgent to pay for. And don’t use HYSA, use SGOV in your Fidelity account. Best of luck!!
Historically VOO performed better but there's no guarantee it will stay so for the next decades.
This is the way. Put 95 percent kf yiur money in VOO. Us the rest to gamble.
I’m 24 years old and I would like to start investing my money instead of watching it sit in a savings account. I’ve recently fixed bad spending habits and I am officially debt free, and I want to continue the positive trend. Here’s my details: Net income: ~ 5500/month Total living expenses: 2000/month I recently started on my own, set up a Robinhood account and automated investments. I’ll list those below. $200/week VOO $100/week QQQ $100/week SCHG I’m brand new to all of this so any help is appreciated. I’d be comfortable investing more than the 400/month, anything else is going into savings basically.
Because VOO is a literal basket of shares, every dollar invested forces the purchase of underlying stock. An $8 billion inflow is a statistical rounding error for a $50 trillion index. Which is why these mandates will merely mirror the ERISA-driven shifts of 1974. So, don't expect a price surge. It’s a modest expansion of the ownership class, not a structural price driver.
They clearly weren’t poised at all, lol. Are you actually thinking that the price per coin makes it easier for it to change in value since it’s “only” $.10?? Go look up the relationship between market cap and outstanding shares, and the effects of stock splits, but first sell everything and put it into a total market fund like VTI or VOO like people are telling you, cause you clearly have no idea what you’re doing.
>What would you say is the benefit of a covered call ETF then? The benefit is great if you are 65 and retired and need income every month. If you have spent 35 years building up a great portfolio of $1million (or whatever number applies to your situation) and you can coast and enjoy retirement and not check the stock market every day. Its a fine choice. But if you are 35 and investing $2000 a month - you need growth. (Not some silly income ETf designed for old people) Too many people see something good and think it's good for them - but sometimes what's good for others, might not be good for me. A very big part of investing is about realizing where you are in your journey, and does this process or this product or even this allocation fit your need ? I'm older than you but still 10-15 years from retirement (maybe more or less if my stock picks go well or poorly) (Im a baseball guy - love baseball so i modeled my portfolio around baseball how their organizations are setup if you see that below) I have several different "teams" - all with different purposes. 1 taxable brokerage - it holds my emergency fund (SPAXX and BOXX and SGOV) this helps with expenses and if I need to upgrade my home field I am ready. and it hold ETFs.(Not exactly part of my emergency fund but in that account - I only buy and hold ETFs. Mostly VOO + VTI + some international funds - but i Never sell.) That's growing money that i could access if I need it. But I don't plan to use it until later.... when I really, really need it.(Hopefully retirement when my income is a lot lower so tax burden will be less) 2 Roth IRA - its all individual stocks growth focused (i buy and swing trade in this account holding anywhere from 3 days to a year if the stock does well) + I call this the major league roster. Its my big holdings. I have 9 starters (biggest positions) all of those have stop losses set to lock in profits cause they already proved to be big winners. I also have a bunch of reserves(the bench) who are growing into positions to become a starter if one of those main 9 ever drops more than my rules allow. 3 Traditional IRA - a mix of some ETF & some individual stocks. ( I jokingly call it my minor leagues) - any stock on my watch list - i sell a share of an ETF and buy some shares of some watch list stocks. But in this account I keep a few shares of anything I think might eventually become a major league starter someday. 4 Rollover IRA from an old employer (its all ETFs - but its 25 different ETFs mostly momentum and sector ETFs i rebalance every week takes 10-15 minutes and it beat sp500 by 10% last year) - I keep track of all this shit in an excel document that automatically downloads the prices and price history as soon as I open the file. I am sure it sounds super complicated but I have major ADHD and I love it. Keeps me busy when my wife goes to bed early I can study all this shit for an hour or two and keep my mind going
If you have a job or side hustle that can prove income you need to ask your parents to open a Roth IRA, if not have them open a Custodial. Take your $1,000 and put it into VOO and don’t lay a finger on it and forget it is there. You’d be surprised to see how much it grows to.
I keep VOO and BRKB in my taxable account, as well as in multiple IRAs. I also have a sizable allocation of SCHD in those IRAs that I plan to continue growing as I near retirement.
You need earned taxable income to contribute to a Roth IRA. I vote you open a brokerage account (you can take the money out whenever you need it) and put 500 in VOO and 500 in VXUS. It will teach you about diversification, patience, and the power of compound interest. With luck, it will grow every year and you will be contributing to your investment as often as possible.
Fidelity and invest in VOO. Not sure where you heard that but it’s nonsense
Excellent question. Historically there are multiple 10 year stretches where the ex NA stocks have outperformed the US. It's just that the US is a large percentage of the global market, has had a miraculous bull run (so far), and many consider it a safe bet. But you are technically making a "bet" on the US market. There are structural "concerns". [Here's a very poignant recap](https://youtu.be/1sV_3OvQyFI?si=oV7XyfG01Cc0QDND) of current concerns about the US market and potential long term growth trajectory. Whether you choose VTI or VOO, just know you're picking between the two most commonly traveled paths for passive investing.
Imagine if you put 57k in VOO in 2019.
VEU doesnt have small caps, it's VOO for international. VXUS is VTI for international.
You can. If you want a sort of SP500 (SPY/VOO) but for the rest of the world you have VEU.
Just go 100% VOO or another broad index fund
maybe a mix of VOO, QQQ, VIG, perhaps an international fund, REIT fund, or other bits. I picked a mix of about 5 funds and it got me to retirement early. Your results may vary.
Would have been better in VOO and chill
Warren Buffett also said if he could only invest in one thing it would be VOO or Berkshire Hathaway stock just because the company is so diversified. I like Vanguard's Whole World Markets ETF VT. This holds every notable ETF and mutual fund in one.
You are better off risk-reward wise by just putting money in VOO if you are looking something to double within 10 years.
I think its good to be globally diversified even if it may reduce returns long term. A good international fund is AVDV, pairs well with VT, VOO or VTI
Either Vanguard index mutual funds, or index ETFs like VOO.
This is solid advice. VOO's been my backbone for years now. The hard part is actually leaving it alone and not checking it every week when things dip.
VOO and dollar cost average whatever you’re comfortable with
VOO or VTI. If your feeling a little bit more risky then QQQM and SCHG
A lot of people do this, but your portfolio shouldn’t only be VOO
Okay, you should max your employer's match if they offer it. It's literally free money. I'd also recommend trying to hit the yearly contribution limit if possible ($31,000). Your 401k probably invests into either a target date or something like VINIX. I personally prefer VINIX/VOO over target date. If you have a HSA, a lot of those plans have backdoor investment options. If it helps keep your interest, still take 1-2% of income and do some stock picking. It just shouldn't be your nest egg.
It depends on your goals/portfolio strategy. VT is the whole world, but VXUS is the international market. I personally have VTI and VXUS to diversify my portfolio and because I believe in the US market + want international exposure. VOO grows slighly more than VTI because it kicks out the small/mid cap markets but I want those in my portfolio.
Is VOO offered through fidelity? I thought it was a vanguard product. Sorry I'm a beginner.
If you have emergency fund. If you will only sell for urgent expense. And if you plan to add auto weekly to that VOO on a platform like Fidelity that does fractionals. Absolutely. Everyone should learn with VOO and chill.
Fixed the AAPL ticker. Why VOO over VTI?
Appreciate your comment again. I want it to grow long term passively. Set it and forget it. Is VOO a good way to start? Would you put all of it into VOO?
Just buy VOO, don't make it any more complex than that.
My keep it simple portfolio for beginners is 50% TFLO, 33%VOO 15% gold however you prefer, 2% ibit Just buy the few things investors watch, and keep a healthy amount of bonds to be able to let the risky things cook longer.
Oh it is too much to learn with. You were supposed to learn on your way up to 100k. I don’t believe first time investors won’t panic sell 100k of VOO. You should have a Fidelity account. Buy VOO on an auto weekly basis. Work to increase that weekly. Only sell when you have something urgent to pay for. If you find yourself selling for other reasons: find and hire a trustworthy pro. All personal finance is the same: spend less than you earn. Have emergency fund. Have auto weekly investment with some portion of income. Only sell for urgent expenses. Do that forever. The hardest part is not panic selling. Everyone thinks it’s easier with time, but it’s not. The bigger the money, the bigger the emotions, the more costly the mistakes.
VT. International outperformed last year. Why limit your investment to one country with a fund like VTI/VOO?
I think risk tolerance is an interesting concept here. I understand it when you have invested into an individual stock that might crash and never recover. But I've never understood risk associated with an etf like VOO/VTI. The market will always come back since it's so diversified. I can't imagine panic selling VOO/VTI.
That's the only downside. Perhaps spread it out? 50% FXAIX 50% VOO (w/ Vangaurd)?
Current Price: $628.20 $1,000 gets you 1 share of VOO if your brokerage doesn't do fractional shares and 1.59184 shares of VOO if your brokerage does fractional shares. [Dividend Info](https://stockanalysis.com/etf/voo/dividend/) Annual Dividend: $7.07 per share Dividend Growth: 5.43% Assume 7% average annual stock appreciation [Dividend/Stock Calculator](https://www.marketbeat.com/dividends/calculator/) $1,000 turns into $3,998.80 after 18 years with dividends reinvested. [Inflation Calculation](https://www.in2013dollars.com/us/inflation/2026?endYear=2044&amount=1000&future_pct=0.03) Assume 3% average annual inflation rate $1,000 in 2026 = $1,702.43 in 2044 $2,348.87 in 2026 ≈ $3,998.80 in 2044 Who is this helping?
I am 40 and VOO and invest that much every year into VOO. But I’m just an internet person, not an advisor
VOO or VT. Just set it and forget it, and unless the world economy collapses, you’ll have quadrupled that money in 15-20 years. (And if the world economy collapses, you’re gonna have bigger problems to worry about.)
>When stock in VOO is purchased, the fund uses that money to invest in the actual companies that make up the find right? So the money will make its way to the individual companies itself right? This is not correct. You buy shares of VOO on the open market. You do not provide any money to Vanguard to purchase the underlying holdings. The way new shares are created are their are authorized participants who go out buy the underlying holdings and exchange them for shares of VOO in return. >Even though this is an additional 8 billion it won't make any impact? $8B is just not a lot of money in the grand scheme of the asset management industry. If such little money could move the market we would have big issues any time a large pension fund or wealth fund wanted to deploy capital.
I mean, in order of your questions: VOO isn't tied to the stocks under its wing, it's actually kinda the other way around these days. I would expect that this creates a higher floor in the stock market, at least in the medium term. Will it noticeably move the value of VOO? Maybe, but it's not like children are all born on the same day every year. Any increase you do see would probably be tiny, dispersed over a whole year. As for what this will mean for the economy? Probably bad long-term, because it's yet more spending that doesn't fix the long-term issues of the US citizen but instead pumps the stock market, because that's all we've known how to do since Reagan. I mean, it's the government subsidizing the stock market indefinitely, even more than it already does. That's not a good thing when the government is doing it via deficit spending. Also, point of order here, inflation will also mean that 1k will be less than it already is in time, so unless we're pegging the deposits to inflation, it'll also probably mean even less in ten years time.
When stock in VOO is purchased, the fund uses that money to invest in the actual companies that make up the find right? So the money will make its way to the individual companies itself right? Even though this is an additional 8 billion it won't make any impact?
>How will this impact the value of VOO since it isn't tied to the actual companies in the ETF? Where did you get that idea? $8B is essentially a rounding error for the US index fund industry. There are well over $10 Trillion in index assets. The impact will not be noticeable. VOO alone regularly takes in more than $20B in assets within a year.
Everyone gonna recite expense ratios and VOO without acknowledging real world results. In every single rolling 10 year period going back decades, American Growth beats the market. Capital Group is one of the very few active companies with legit research based results. Also this latest tech dominance is nothing new, it’s happened before and will end badly again. Thats why rolling periods matter more than shorter term view. OR…just pile into the Mag 7 SP500 and hope for the best. YMMV.
OP a hack since he doesn't realize Civ mechanics change from game to game as well as the difficulty/complexity thus the minimum level of autism needed to enjoy it. Civ 4 for example is a harder, grindy, and nuanced game for the giga-autists while many felt Civ 5 was dumbed down yet more friendly to newer players. >>The Venezuela lesson: invest in energy security NOT cheap supply - The incoming commodity bull run (uranium, rare earths, precious metals). >>TLDR: Geopolitical fragmentation turns uranium and rare earths into strategic assets; history shows these markets don’t reprice gradually - they reprice violently when supply security is questioned. In OP's case...... I'd say he's not Dan Quaryle tier, but he's Neville Chamberlain tier tops. The reason why I give him that grade? Because they fail to understand the basics: >Economic power underpins military power. Military power secures Political power. Political power shapes society alongside parallel branches of cultural/religious power/influence. While which power is superior is in a state of balance and flux. But usually it is political power slightly edging out economic power in most societies (until military power is needed/used. Or softer powers like cultural and religious power revolt). Uranium is a subset of energy. Energy is just a subset of Economic Power. And even then economic power not even the apex of it's own corner. >*When playing Civ, gambling at the WSB stock market casino, and winning in IRL. The goal is to accumulate power, land, wealth, and assets.* Most in WSB aren't at the level to worry about power when they can't even buy a house. They are basically at the lowest tier looking for assets to build wealth. That's why retards yolo 0DTEs in hopes of making enough to VOO and chill for life. So OP is fundamentally wrong in betting on non-productive commodities, the uranium thing makes 0 sense in relation to Venezuela besides OP shilling his positions as traditional energy would be the better play after such a move, rare earths aren't rare nor widely understood with little investment choices outside of China atm, and even if you were to bet commodities it should be specific like say: "gold for security"(you know like how you collect gold rather than dollars in CIV games) or "copper for reindustrialization/growth" rather than a blanket statement.
Thank you for the info. I am not a ROTH IRA participant due mostly to income restraints, but do have a SEP, traditional IRA, and 401-k. May see if I can convert some of my traditional tax deferred funds to a ROTH when I retire st the end of next year, close to age 70. I believe I will be able to between the age of 70-73 before I take my first RMD. I just bought my first batch of Muni bonds in my taxable brokerage via a muni ETF that is primarily high investment grade quality. I read it will provide me with a tax equivalency of ~5.5% in my current tax bracket (37%.) I am a co-owner of 3 manufacturing businesses and am expecting a LOI next week for an attractive sale offer next week. My daughter is 38 and I am guiding her through the ROTH investment process. She is a book-keeper with a law firm, but is not receiving any IRA or Healthcare benefits. So far, I have chosen SCHG for her ROTH and VOO for her taxable brokerage. I have suggested that she DCA the ~$40k she has in her taxable brokerage into VOO, but may suggest some SCHD too, since she is quite risk adverse as a new investor. Your comment gave me "food for thought" so thanks again!
AGTHX characteristics: benchmarks against SP500 but weights it a little differently. Looking at the last 5 years between VOO it correlates at about 0.96 (the 2 funds moves very closely in sync). So the question is “what’s the value of holding this verses a truly indexed funds?” I honestly don’t see any being honest….i mean I do have a tendency to spot on American funds…I think they are a relic of the past and tbh can’t get out of it. High fees while operating almost like index funds. - fees is where it kills your investment. AF charges 0.059% mgmt fee with a 0.024% 12b-1 fee. With everything else added in totals out to 0.059%. Then there’s that front load of 5.75% as a transaction fee. - so that eats into your returns for 20 years, just a basic calculation against the benchmark - gross return with out fees index vs fund: 11% vs 9.8%. Fund made $1,575 less per $1000 invested 20 years ago. - now with fees added in: fund made $2333 less per $1000 invested 20 years ago. - in percentage terms: you made 30% less than benchmark. 24% due to manager decisions and 9% due to higher fees (math don’t add up because the total also assumes index funds had some fees in too). So what I think could be better? If AGTHX just index SP500 with some special tilt which doesn’t really add value, then probably should just go with low fees index funds/ETFs.
I would divide your pile into 52 week chunks, invest one chunk per week into VOO.
You’re paying a 0.59% expense ratio with that fund. VOO is the same bucket of stocks with a 0.03% expense ratio.
Start with buying and holding shares. Preferably index funds like VTI or VOO (or equivalents) or individual companies where you can explain their business model. You can work your way up to paper trading from there.
I was only comparing VT to VOO/VTI, not to the well-diversified portfolio you described that includes international exposure and bonds. For example Vanguard recommends combining VTI and VXUS if you want flexibility. So splitting VT into separate ETFs is okay if you can manually manage international exposure.
Hello! 28M kinda new to investing, and I’m considering this allocation for my portfolio and would love all your feedback: -25% Global Equity Index Feeder Fund from a local bank (tracks VT) -25% Global EM Equity Index Feeder Fund from a local bank (tracks MSCI EM) -25% Local Bond Fund -25% Government-backed, tax-free investment with a 5-year lock-in and 5–7% annual dividend Additionally, I’m planning to contribute a bit each month to VOO Would really appreciate any thoughts or suggestions!
If you sell stock without having an urgent expense to pay for = panic selling. Learn to VOO and chill.
Stick it in VOO and it should be back to 100k in 10-14 years. What you need to do is come clean about your gambling problem.
TQQQ and QLD, at around 1% and 7%, respectively. 85% is VOO, SPMO and QQQM, with the remainder in SMH.
The SCHG and SCHD combined will get roughly the same return as VOO. The cash obviously will return less, the gold will probably return less and be more volatile, and the semiconductors who knows maybe you'll get lucky.
My only gripe is that VTI is weighted. It’s already heavy in s&p. If you’re buying VOO, then you need VO, and some kind of small cap etf. VTI is nice for the set it and forget it investor, even VT in that case cause you get everything in one ETF. If you’re an investor that tracks and pays close attention, a modular approach can do better. All depends on the investor and what their goals are and how much time they want to put into paying attention to the market. I like pizza and tacos. lol.
I agree 100% USA is risky, we don't know if the next 30-50 years during our investment careers if we will see the same returns (even though I highly think we will) so I don't agree with 100% VOO. I do hold about 20% international (VEU), 40% SP500, 5% small caps (RSCC), 5% mid caps (IWS), 20% AGG Bonds (Bloomberg U.S. Aggregate Bond Index) and 10% in the FTSE 3-Month US Treasury Bill Index, I always hold cash so I can invest 10% when the market corrects 20% like when Trump handed us a good deal with his tariffs (I call it Market reaction, not timing) for example, I deployed my 10% cash during that tariff tumble. Essentially I am 70/30 but will go to 80/20 if market gives me a 20% correction. Although my 70/30 may underperform VT and chill slightly, the less drawdown and ability to deploy cash at 20%+ corrections narrows the gap. We are pretty much neck and neck if you go back 15 years, and I have a lot of diversification to help ease the path to 1 million+ which is my goal, and the less severe drawdowns are such a huge differentiator, it helps to keep investing with confidence. But you do you, I am merely explaining my choice, not telling anyone to follow me.
2 years ago while I was starting to invest, I worked at a phone store, and I would take some of the customers' advice. crowdstrike,113% gain ASTS, 500% gain, but only invested like $200 PLTR, 200% gain uranium based stocks UEC and URNM, 25-90% gain AMC, 86% loss, but only invested $100 personally, I was interested in Nvidia and AMD, so I put most of my money there. about $5000 on just those 2. they are now worth about $11,000 (I sold some during a high, but I don't know how to check the amounts for those) only tips is the ones im sure people have heard before: diversify, and dollar cost averaging. and if you don't know what stocks to choose, just do ETFs like VOO or SPY.
Should have just put it in VOO. Stop trying to get rich quick.
What’s wrong with all of it in VOO?
VTI or VOO and chill my friend.
Selling an ITM put on platinum that had already gone up 130% in 2025 on a green day with the underlying rally 4% is beyond regarded. You are like really really dumb. Stop investing and stick to VOO
Been sitting on VXUS for years and it's been a solid addition to my portfolio alongside VOO. The international exposure helps smooth out some of the volatility when US markets get choppy
Put all of your disposable income into VOO (or whatever ETF you can get that tracks the S&P500) and retire when you're like 40.