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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
Congrats on the early retirement. Cash out, pay your taxes and never invest again other than VOO and you're set for life.
This is my opinion, don't put too much weight on it. I personally think most humans are capable of identifying a good company that provides a necessary product that people would otherwise not like to live without. The PROBLEM is that only a fraction of these people are capable of being PATIENT. Patience is really key to making a lot of money with individual companies. I'm talking about real wealth generation, not making a few thousand dollars and being overjoyed about that. For said wealth generation, patience is key. But the problem with patience is - you don't want to be stuck with a crap company that *may* deliver big, while a DCA method into a sexy index fund like VTI/VOO is chugging along and giving you 7-9% yoy when looking long term. There's beauty in such a simple DCA approach as well, sleep being one of them.
My man just look into ETFs and save yourself the heartache. You want tech? Buy ETFs like VGT. You want broad market exposure? Buy VOO
Indeed. As long as you aren’t chasing meme funds (single stocks or etf’s) and actually diversify across VOO/VT or sector ETF’s that actually matter (and not stupid meme’s) then you will likely be fine.
Oh no! VOO and chill will only generate the average 9-10% annual return over the last 100 years rather than the 12-13% over the last 15! You don’t have to be a shill or deal with cognitive dissonance to just want to park in the S&P. Unsystematic risk is eliminated at 20 equities across different industries, S&P does that. Oh no, they may underperform compared to if they were in 57.892% US equities and 42.108% international equities! Who cares. Invest if you can in whatever way is easiest for you - much better than reading stuff like this and second guessing everything and never investing.
we are going to get a repeat of the lost decade where emerging markets and developed markets (ex US) are going to eat US equities lunch. anyone that disagrees is either dealing with massive cognitive dissonance or they are shills. there are 20 different reasons i could list out why and that rotation has already begun. we have this hubris in the US that we will always be the best. the math says otherwise. it's sad how many people on reddit just post "VOO and chill" thinking the last 15 years will repeat. they don't understand macro economics. they don't understand our loose monetary policies and our reckless fiscal policies.
Research companies to find long term compounders. Purchase those compounders at reasonable prices. Wait a decade or two. Or just buy VOO and hold
Considering my portfolio is 37% VOO, I’d be okay with that too
RSP is equal weight while VOO is MKT Cap Weighted, essentially, most of VOOs movements come from the top stocks, while RSP moves with the entire S&P500
Genuinely can someone explain to me why RSP is getting rinsed but VOO is up? Both S&P 500 ETFs
in my last post yesterday I said I brought 1.7k -> 32k this week cashed 29k, 23k went to individual brokerage (5k buy on open, remainder on VOO), 6k to myself remaining 3k went to 697C 0dte that are 70% up thank you for your attention to this matter
Probably long term but not short term. I am not saying this is "good" or something. People are confused why markets are going up even while oil is going up. Well the markets really do not care that 90% of people lose money but 10% of people gain more than the 90% lost The money that flows to the 10% has to go somewhere , do you think they are stuffing it under the mattress ? In a dumb example if 90 people sell 10 shares (900 shares) of VOO but at the same time 10 people buy 90 shares (900) shares of VOO does VOO crash? VOO does care that 90 people left the market and only 10 entered at least on the short term.
Multiple reasons. But I'd also like to point out that it's conventional wisdom at this point to recommended index funds like VOO or VTI. And for good reason. I highly recommend you check out the boggle head subreddit. You'll learn alot about how to properly invest money. One very important reason that I'll mention is that it’s basically built in diversification. If you buy the market (via VTI lets say) you will do as well as the market. If you buy individual stock you have an extremely high chance of underperforming the market. The majority of portfolio managers don't beat VOO. It's also 10 times easier to "VOO" and chill and not have to watch your accounts or individual stocks.
VOO VTI S&500 MSCI WD I’m a boglehead so I don’t really care about these temporary movements
How much to put into VOO weekly tho
You're looking at the weighted index, right? The big dogs are somewhat insulated from recession. The oil shock has yet to show up in earnings across the board. If you're long on VOO, you can just ride this out like every other correction. But if you need the cash, this recovery is a nice opportunity to rebalance.
Was literally up $200 in my Roth like 10 days ago and ripped $2k into VOO when it was $590. My Roth is now up $1k as of today
Having a good year but I own a lot of gold-related (various gold etfs, miners, royalty), defense and energy while the growth side has been focused on what has been working (memory, optics/photonics.) Tons of people in VOO/SPY during an energy crisis and energy is 3.5% of the fund. Mag 7 is about 32% of the SPY and Mag 7 (as represented by the MAGS etf was down 15% at the low.) Meanwhile, with energy the XLE is +22% for the year. Last year, I thought it was a good idea to increase exposure to real assets and that has worked very, very well so far this year.
Bro you’re not as diversified as it seems since VOO and MTUM overlap a lot, so you’re still heavily exposed to the US market. If you’re worried about short-term drawdowns, the easiest move is to slightly increase safer assets like AGG or boost international exposure through VXUS. Gold can add some diversification, but it’s not a perfect hedge and doesn’t always move opposite to stocks. You can also check TryLattice to help you stay structured and avoid making random decisions during market volatility.
Was waiting for it to go down abit more to by a decent amount of VOO. Goddammit
I sold my long NVDA and bought SMH to be more diversified. Still holding NVDA in VOO and SMH. Just giving u an idea of what I did.
I remember my first VOO buy was $1,000 and it immediately went down 5% in a few days. I got hooked to buying the dip and deposited $70,000 in the next year
Yes exactly, the strategy relies on my belief that the riskier stock will go back to its higher highs and that the pullback is temporary. I allow the stock to prove its new high and use the safer stocks as value retention, then buy low on the “riskier” stocks. Essentially my gamble is trying to time better entries, using the predicted rebound pattern as my perceived safety net. For instance any time NBIS was below $90 over the last few months I’d sell off something to buy in and it would always go back. Now I won’t buy back in more until I feel it will safely go back, so I’ll need to see it pull back, go up, pull back , and go up to re-establish it’s new patterns. I don’t do this with all stocks, but I do this with high conviction stocks that I have followed for long enough to believe in the pattern AND that I want more of. If I have extra cash, I just buy in, but specifically when I don’t have extra cash then I redistribute. For instance I held VOO and sold it all in the last few weeks to buy NBIS, now up like 40% on that. I also only do this with shares as risk mitigation.
I am reading “Single best investment” (written 20+ years ago by someone who was in their mid career in the 70’s). The book advocates for individual stocks that pay dividends. Backtesting a sample portfolio in that book yields worse results than even dropping money into just SCHD - with a few companies having gone defunct. VOO and QQQ buy and hold squash that sample portfolio listed in the book. While the basics of investing HAVEN’T changed - the vehicles, methods, and players have. Now days ETF’s are the normal, and retail investors can buy and sell on a whim on their own with no real cost to execute a trade. Placing money into VOO is a pretty safe bet since it offers automatic diversification. Add in VT and you have world diversification. 20 years ago you would have been holding 20 different stocks @ $20 per trade for a minimum of $1000 per trade (with a few days lag time) rather than 1 or 2 ETF’s with $0 trade fees and near instant execution from your sofa. The game has indeed changed and is different than Warren Buffet could have imagined.
I have gambling money and investment money. I spend gambling money on dumb shit and park it back in VOO when I’m not actively gambling.
Endless post about how the market is to high and they are waiting for a dip to buy. VOO drops 50 bucks and all they want to do is go all cash. VOO is the highest it's been all year and they can't believe it and say "this ain't fair".
You live in a warzone while most of us here are prob mega chilling in a relatively safer city. Your liquidity needs far outweigh most of us, making "just DCA bro" a not so cut and dry answer imo. Hold your money, enough for the worst case scenario and a little bit of extra on top of it to be extra certain. Survival and housing shuld probably be ur #1 priority atm, not getting a few extra bucks out of being in VOO a little earlier. Then again, I type this in an air-conditioned room, so take this advice from a place of privilege with a pinch of salt.
Just buy back in. Get index funds like VOO and forget it.
The guy who told you that VOO knows it better than you though.
Currently however the IRS does not consider them the same You can exchange IVV for VOO or something and the IRS will not treat it as a wash sale Could the IRS tomorrow decide it really is sure but in the past they have not
Sorry I forgot it was tax day tomorrow so I had to max out my Roth IRA for tax 2025. That was me buying $500 worth of VOO
I own some amount of ASML, but I also own a lot VOO and QQQ and lots of other individual stocks such that I'm well diversified. In your case, you probably need more diverisification and I'd switch AMSL for SMH (or QQQ/QQQM). AMSL is a great company, but the "problem" is they can only sell to a very small list of customers - just silicon fabs. It's not as though there will be an endless supply of new fabs sprouting up, and so they'll have to increase/grow consumables. Contrast that with TSM which will have endless supply of production bookings for years on out. More predictable (and growing) cash flow is always better.
Who knows? It seems to do the opposite of what I want. I just calculated a number I felt good to DCA into VOO but it didn't fall enough so order didn't execute. But the thing with the market is.. if you set an order to buy at that price.. you don't have to be right all the time. You just have to be right once and it'll execute!
This! DCA is mostly for index or broad market ETFs like VOO and VTI. Not for stocks.
My approach is: 1. Always be buying index positions. 2. 40% SSO, 20% VXUS, store the rest in VOO until opportunities arise. 3. I only use single stock positions for 1-7ish month trades. I look for earnings strength, with underperformance relative to the index, based on what I consider to be an overreactive narrative. I’m happy to buy on the way down/into decline and wait for the position to work.
it works even if you don't have enough capital just buy VOO bro
The funniest retards are the one who hang out in /r/stocks every day and when someone inevitably posts about the current state of the market (cause tf else are we gonna talk about) they're always like "hmm it's almost like timing the market is a bad idea 🤓" you donkey go ahead and VOO and chill if you want but wtf are you doing in a stocks sub? Go touch grass.
Does not compute. Go ETFS or VOO it.
I don’t have to beat the algos, VOO does that for me. If you are sidelined you better think about getting back in, or be permanently left behind.
Calls on SPMO near the bottom, plus good old buy and hold VOO
Starting at 20 with a 401k match is a massive head start. Since you have 5k ready, I'd suggest looking into a Roth IRA alongside your 401k. For learning the ropes, check out the Bogleheads wiki or the Investopedia guide for beginners. It's usually best to stick with low-cost index funds like VOO or VTI while you're still learning. Don't rush into individual stocks until you understand how to read a balance sheet.
Well if you keep on doing that until age 65 and invest it in VOO, that's like $15.6 million. I think you will be OK with that
AI is claiming VCLT and SPHY are not substantially similar assests, for a number of reasons. So you should be good to write off the loss. It's not by assest class but by what it actually holds. If you took a loss on VOO and bought SPY then that's a horse of a different color. Good luck.
The $SPY is more liquid w/ avg daily volume of 88M shares traded vs $VOO 10M. Traders want the juice of higher volume of shares sold. It's the same reason I mostly mention $GLD for Gold even if I might own a larger position in $PHYS for my long term gold holdings. Buy & hold vs traders.
The majority of you should just stick to maxing out your Roth every year with VOO, and nothing else.
When people write about the price of S&p on here why do they put the price of Spy instead of VOO when the latter is far well-known and better
This! Wrong time to be buying energy. I’d sell it and go VOO
BRK/B is 1 of my 2 core holdings (VOO). I like that with BRK I get: Geico, BNSF, Oxy, a utility, among other companies, with no dividends so funds poured back into BRK, I get a stock portfolio that includes Apple and Amex, tons of cash, Japanese stocks (dry powder bolstered by that yen bond issuance), and a management team that can deal with it all by letting the operators operate. To me, following BRK is like following the US market if investors were tethered to economics and fundamentals. I wish they had bought CSX, though.
Boring!!!! Loser!!!!! I’m jk. I own shit loads of VOO, QQQ, and a few other funds in my retirement accounts and other brokerage. This specific brokerage is my 50 cent “Get rich or die tryin” account.
They don’t manage it differently. It is the same basket of stocks with the same exposures as the index it tracks. There isn’t a substantial difference. If you want to harvest the tax loss, sell a 500 index fund (VOO) and buy a total market index fund like VTI. Those are similar but different.
I have just been sitting on it. Will give it a few weeks. Market might tank again. I like to buy triple leveraged TQQQ and UPRO when market crashes. Otherwise I follow a boring DCA into VOO strategy
Sold some VOO to buy more SSO.
In a hostile binary environment like this (since Feb really) it’s nearly impossible to time regime shifts. I’ve been sitting out most weeks during the war with the whipsaws around Hormuz escalations, then ceasefire reversal, then peace talks breaking down, then renewed talk hopes, then the blockade, now more renewed resolution hopes. I’m fairly flat to where I started in Feb and have missed the recovery as well from an options standpoint. But without the emotional weight of seeing my portfolio being up then down. I’ve captured the beta in my taxable account for the recovery that is in shares of VOO (I trade options exclusively in a portion of my Roth to mitigate tax drag) so the psychological FOMO is reduced.significantly.
Random internet people, please give me financial advice! 47% VOO 26% VXUS 15% VWO 11% VB 1% BND
SCHD is a nice addition. Maybe do a 70/30 allocation split. 70% into VOO and 30% into SCHD.
If the sentiment in here is anything to go by, so many leftists have been obliterated in the past year because they treat the market like a political poll or a voting booth. Word of advice, next time you think about making a move based on how you think the market will react to something Trump says, just buy some VOO and drink a beer. Cheers!
All I needed to do was listen to RIC FLAIR for investing to become rich. VOO
Yeah you got to take a percentage of the big gains and convert them to another medium. 15 % gains go right into VOO.
Feels like you’re mixing two different things - long-term allocation vs reacting to recent performance. Small caps got hit, so now it *feels* like they’re the wrong move. But shifting more into VOO after a huge mega-cap run is basically the same trap, just flipped. If anything, your actual weights might already be closer to large caps than you think just from the performance gap. Most people don’t realize how much their portfolio drifts over time unless they check it properly. I’ve been using [Alignfolio.com](http://Alignfolio.com) for that - just to see current vs target in % and dollars. Helps separate “I need to rebalance” from “I’m reacting to what just happened.” At 35, I’d probably focus more on picking a structure you can stick with (market weight vs tilt) and not adjusting it every time one segment underperforms.
I started investing earlier this year and have been putting $300/month into VOO. Right now, VOO is the only holding in both my Roth IRA and taxable brokerage account. Lately, I’ve been doing more research and been thinking about adding QQQM and VXUS for more diversification. I’ve also heard SCHD could be a solid addition Does it seem like a smart approach? How would you split these across a Roth IRA vs taxable account? For context, I just turned 23, so I’m investing with a long term horizon
K real talk It's going to be a long April of you checking Al-Jazeera live updates. Am full port just owning VOO but despite that I bet you're going to find green. Well I don't bet that. I would never bet the way you're betting.
If you sweat a stock, maybe just try VOO and Chill
I think God is sending me a pretty clear message, to put my money in VOO, and stop this madness
dumbass checking in most of my holdings is indeed in VOO
$VOO looking like Kermit's dick
I do VOO, AVUV, VXUS, QQQ. Could easily take out QQQ but I’m young and want the added tech exposure. I like to be able to manually rebalance if I want to go heavier in any one (US Large, small/medium, international) segment.
I think this sentiment is common with immigrants. The story goes my dad was a paper millionaire at the height of the Dotcom bubble. after the crash he wrote off the stock market as gambling and didn’t invest in stocks for the next 20 plus years. I got him back into VOO in the Covid crash and he’s slowly come around to stock picking.
If I had the money back in 2020/22 I would've been buying then but I was still in school. I started buying MSFT at $400 although kind of jumped the gun. That $360ish range was golden in my opinion given the earnings. And funny you say you put the profits into QQQ. My idea was maybe if I can get some easy returns, it all just would go back into VOO/VTI but we'll have to actually get there first.
this is the textbook definition of diworsification lol. VTI literally holds every single US stock that is inside VOO, VOOG, SCHD, VYM, and VIG. ur not covering more bases, ur just buying the exact same large cap companies wrapped in different packaging,personally i combined wth the private tech like vcx for exposure so you can just buy VTI and chill
I do VOO + Small Caps Value. Don't care about international, don't believe in the stock market ex-US. If the US stock market collapses, there won't be any more significant stock markets, it will be another model
Touch grass pal, this isn't r/politics. Don't give a shit about a presidency that has less than 3 years. Tell me, what's the 5-year return on VXUS vs VT? (25% vs 43%, thanks to the US market). VOO is 63%
I full ported VOO in Jan. Almost back to even 😑
Not everything is a conspiracy. Trend chasing only works when you know when you should sell. Otherwise, you're better off just putting into a broad basket of equities like VOO. Retail traders? They usually can identify the uptrend–once it's 75% over and in headlines everywhere. Same with the downtrend. This creates a cycle where retail buys highly trending sectors at the top, volume fades so the algos and hedge funds pull out and rotate to another sector, prices compress far enough that retail sells off and tries to follow the sector rotation as hedge funds and algos start stocking up on the undervalued original sector. Rinse and repeat. Every (normal) market event is explainable with human psychology. The way the stock market works is counterintuitive to the thousands of years of risk aversion programming we have. Once you overcome that, it makes much more sense
What tickers are you rotating into from tech? Looking to skim some QQq and VOO for powder off this bounce I’m done riding the ride for a while lol
Thank you! That is good to know regarding VOO.
VOO and VTI are 90% the same. SCHD, VIG and VYM + VOOG sort of just mimics VOO when put together. 10% international equities is pretty low.
All good. Simplicity is the name of the game here. Automate weekly or monthly investments to DCA, set it and forget it. PS: VOO is the S&P 500 tracker in the US. Most people buy this in an automatic system, hence the term "VOO and chill".
Look guys, all of your Bear thesises are valid. But you gotta remember, this is the Monday after payday, when most 401k contributions drop. And like 50% of those are just auto-buys for SPY/VOO/QQQ regardless of price or market performance.
Either dca into VOO and chill or focus on micro, the individual companies and their business models and ability to generate long term returns. Trying to time and trade macro news has never been a winning strategy, see the magazine cover indicator
VXUS is up 6.18% YTD vs VOO being down 0.59% VXUS dropped with the Iran war, but not as hard as VOO over the same period. VXUS was also up higher before the war started which helped.
1. Why not ask for their historical performance after fees first? What makes you think they can outperform the market? Why choose them over someone else? 2. VT and chill. You've essentially just picked the largest stocks in the S&P. This is VOO with extra steps.
>Banks and brokers love them because they generate fees. That's why they exist. I don't agree with this. The tax benefits are substantial, they have a very good purpose, and if you choose the correct state and plan the fees will be a little high but nothing crazy - I'm paying about 0.12% on my son's fund now, which sucks compared to the 0.03 on something like VOO but it's not a big number. >I do not think a 529 makes sense for you. Correct me if I misread your message, but you plan to start withdrawing money for education within a year. Further, you do not seem to intend to grow a large account. This on the other hand is very true. A 529s main utility is either to gain large amounts of tax free investments or as a state tax shelter for college spending in the correct states. A 14 year old paying no taxes on a short time horizon ain't getting much out of this
It’s a measure of what some analysts think the Dow Jones Industrial Average (colloquially “the stock market”) will open the next trading day. The Dow is a collection (index) of 30 stocks across various industries that are supposed to give us an idea of what the stocks are worth. Another index is the S & P 500, a collection of America’s 500 largest companies. S&P is Standard and Poors - a financial firm, like Dow Jones (parent company of the Wall Street Journal and, I believe, FoxNews). The two indexes (or indices… I’m no English major lol) may overlap. Conventional wisdom - and this is rooted in history - is that the S&P500 index will rise an average of 7 to 10% year over year. If you’re just starting out, the best place to start is to buy the SP500 fund - like SPY or VOO. Buy a small amount each month, every month regardless If the market is down or up. SPY currently sits at $678 per share. If that is out of reach, you may want to look into a mutual fund like Schwab’s SWPPX at around $18 per share. Same thing, Schwab just split the fund and lowered the price. That’s all.
Getting out of bed is a gamble. Driving a car on the road is a gamble. Everything you eat is a gamble. It’s absurd to assume the base rate of risk is 0. Having you money in cash, in the bank, in T-bills, in Schwab, all are a gamble. - You may be gambling 90% that your house won’t get robbed of your pile of cash, but you’re earning no interest. - You may gamble that VOO and chill will get you 10% growth a year, but that’s not a guarantee; it may drop right when you need it. Everything you do with your money is a gamble. Some are very low probability of profit and very high payoff. Some are high probability of win, and low payoff. There’s a lot of choices in the middle.
How much money would i have made just trading VOO/VFV during this war? Seriously, if I sold last week when the market jumped 3% immediately and rebought in Monday (forget calls). We've been through this cycle a dozen times so far, so you'd be up like 15-25% just on TACO trading.
you'd probably better off doing something like VOO & chill with a chunk of the HYSA. I'd probably take some as 'play dough' for riskier asset classes as well, I think you know what I mean.
I'm currently holding VOO **and** USO. How regarded am I??
If you are asking this you need to sell everything and put it all in VOO and forget about it until you are 65
God dammit i hate MSFT so much i wish i bought VOO lol
Not around here. This place is infested with religious fanatics from the *Church of VOO and Chill*. For real entertainment and downvotes try explaining that “cash” is an investing term and does not just mean green pieces of paper in a pile.
yeah that makes sense. BRK is kinda like a chill index fund with Buffett vibes lol, plus the cash pile is nice if things get messy. i still keep some VOO but I get wanting a bit of a buffer right now.
This but AMZN. MSFT was a fuckin mistake shouldve bought VOO