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
VOO and chill, oh wait nvm can’t even do that anymore
Future you here: please put that shit in VOO immediately and forget about it.
Hey, sir, do you have a moment to talk about our lord saviour, VOO? Have you heard the gospel of VOO? VOO forgives all sins. VOO is the way, the truth and the life.
That may be true for some but only a small percentage of people can out preform the SP500 index fund like VOO so have to wonder how much is luck. VOO has more of a built in hedge, automatically rebalances, and its the bases for the 4% retirement withdraw rate. So not only are people actively making more money in their carrier their investments in index funds out preform 95% of people who actively trade or pick individual stocks. Now if you and some others are doing well with your strategy that's great, I may even take more risk as my port grows, or become more defensive, but right now taking more risk would be really dumb as its the only way I can fuck things up.
not touching any options with this market lol, i bought 5 shares of VOO tho so call me temu warren buffet
I’m dumping it for VOO since it’s cheap right now
I think your observations are good. Position in market? Defensive. Preserve your capital. Some years that market is flat, or negative. (Mercy me, so it ain’t so!) That said, there are likely gains to be made in energy sector. However, ya shoulda been there last month. How ‘bout that LNG? Once the dust settles, that is likely to be a good long play. Asia, Europe will need a more secure, stable source of LNG . The Persian Gulf will be quagmire for years to come. The overall market will struggle and unlikely to rally until this stupid gulf war settles down. A month? A decade? Even investors that favor DCA into VOO should keep eyes open. Nothing wrong with cash or cash equivalent like SCHO. Don’t pick a bottom. That’s too hard. Pick a trend. Flat is nice. Up gently is better. For one good stock to accumulate when down. GE.
Maybe VOO and chill wasn’t the worst idea
Great time to start buying quality companies or VOO/VTI. Setup automated weekly or monthly buys.
So what got you started on this journey? Did you have a big win at the beginning? Did you have another investor that you were trying to emulate? Have you ever considered just leaving your money in an index fund like the s and p 500 or VOO?
similar isn't the definition. "substantially identical" is the definition. it basically has to be the same exact ticker. they don't even consider VOO and SPY substantially identical. someone did mention an possible exception - GOOG and GOOGL, but i'm not even sure that's true because the voting rights are different.
I’m a VOO guy. I see this drop as a rare opportunity. However I’m low on funds. Of course I could dip into the emergency fund but idk how smart that is
It’s a bit rough, my LNG stock is doing well along with ENB. Most all tech stocks have been down. I have about 20% in tech and it’s all down. WM is doing ok. My VOO has been struggling, which is 30% of my portfolio.
In hindsight, the only thing that "worked" was rolling short term treasuries. Sort of. And then came the magic day, also only known in hindsight, when you wanted to go long. Oh, to have snagged some of those December 1981 30 years that were over 14%! Inflation was high, so when looking at stock market returns for that era you want to be careful and look at real returns, not nominal. There was a spike in gold, but you had to time that one right. So realistically, when in the middle of it, nothing worked. It sucked to be invested. It sucked to be working for a living. It sucked to be feeding a family. There were three recessions between 1973 and 1982. Inflation was high. Interest rates spiked, with the 30 year fixed rate mortgage peaking at 18% in 1981. However we did not have TIPS, and they might be effective if we really do go into stagflation. But you have to trust the Trump Bureau of Labor Statistics. If I really wanted to collect downvotes in this sub I would suggest selling VOO and laddering TIPS. Which is what I have done to a degree -- moved my equity from broad index funds to funds with a value tilt, increased my bond allocation and strengthened my bond rungs between 2029 and 2034 with additional TIPS. Time will tell. What is scary is that the 1970s were marked by two things. Disruption in oil supplies and a President [Nixon] who had a puppet [Burns] as Fed Chairman. History may not repeat, but sometimes it rhymes.
Im buying so much VOO dip ill be able to retire at an average level, kangs
Im not in cash, My trading port was in oil and LNG since last year and bought CRWD when software was down. My long term port is literally 100% VOO.
Staying safe and buying VOO at this dip
Can never go wrong buying VOO, good on you.
I bought the dip but hope it wasn't too soon. 20k of VOO at open
I'm a little tilted that way too although still mostly VOO. Even that is fine, all that will recover.
VOO is down 5% form 12/26/25 as of right now just for another data point. I had not realized it was doing worse then the market
RIVN gains are just barely canceling out my VOO/VTI losses. Nothing like getting lucky on a 8%+ pop day to offset your "stable" ETF's.
VOO is cheaper in costs and SPY is tighter spreads IIRC - so traders prefer SPY, but VOO is better for buy and hold. VOO mostly slightly outperforms BRK, but the idea with BRK is the active management is supposed to protect against massive drawdown, but whether it really would is questionable. Warren has advocated strongly for VOO.
Don't listen to the peanut gallery. If you never believed in the company and your view of it easily moved by price action rather than fundamentals you shouldn't be managing money. Shift to VOO.
brk is just a slightly smoother, but slightly underperforming, equivalent of VOO these days
True, it's what stop me going into QQQ. The in-built medium-term sector rotation of VOO / SPY is a thing of beauty.
Man I feel really smart for being a complete pussy and not selling the June 500C contracts on VOO I meant to a month or two ago. But I absolutely despise having money so it's on brand.
So pump before open so I can’t buy some cheap VOO
The overlap between VOO and QQQM is real but if you’re aiming for a tech tilt it’s an option to go with (maybe think about replacing QQQ with VGT which is a dedicated tech ETF). I ran your tickers through here https://www.insightfol.io/en/portfolios/report/4a4290e855/ see if that’s the tech exposure you were looking for
Long term investor so not to worried. Bulk is in VOO VXUS
But also I’m sorry for your loss Markets are hard. 69% of you should VOO and chill
Made my first big purchase today in the 401k. 250 shares of VOO queued for market open. Will buy 250 more at 610 and another 250 if we hit 580 or lower
I was more so referring to just buying VOO, VT, QQQ, etc...
VOO is already growth/tech tilted as it is. QQQM is not tech. It is big non-financial companies. It includes Lululemon, Marriott hotels, Kraft Heinz, etc.
The Play: You keep working that 9-5, you eat the $18 avocado toast tax, and you dump every spare cent into SPY or VOO while the market is "on sale." * The Reality: You’ll be rich when you’re 65 and too old to enjoy it. Your knees will click louder than a mechanical keyboard, but hey, you'll have a nice 401k.... 😂
Just wondering out loud, what are we suppose to do? Sell all our VOO and NVDA, which we pay taxes on and then use that cash to wipe with? the market looks grim, everyone needs to sell everything? Tell me what to do coach.
This is not your thing. Just keep saving and dump it in VOO until your retirement.
I mostly got out of vxus and went to into SGOV just as the iran war started. Concerned that Chinese banks and other international stocks would drag it down. That said I'm curious when it might make sense to get back into vxus. My plan was to move more into VOO starting June. Other countries will likely have a harder time with oil.
Some people really just need an FA. At the very least could have put all your money into VOO and been up 70% over the last 5 years.
didnt read your novel but thanks and i upvoted your post anyway. anyways ill be auto-buying VOO again this Friday when i get my paycheck like i have been for the past 5 years.
Low cost index ETFs like VOO and a small portion in thematic ETF’s if you wish to spice it up. Most importantly- continue investing but just do it differently. (always manage your risk)
I have 75% of my portfolio in solid ETFs, VOO and XLK, and I swing trade 25%. I do like swing trading because I can have one foot out of the door on any position and go to cash easily.
S&P is considering a similar rule change. I've got a reminder setup in May to exit VOO if they approve it. I'm not gonna be exit liquidity for a bunch of musk fanboys.
Retired with a cash /bond bucket. Should I sell some bonds in preparation to snatch up more VOO while down ( and possibly even lower very soon?) I don;t want to deplete my "cash for when the market is down bucket" too much?
3 DCA VOO early 20s because there aren't many paths to generational wealth as a wage slave intel, bought before nacho man declared it was too important to fail close, but not that close DCA VOO because it's least risk and most guaranteed returns over time
Actually, this is quite interesting to me, particularly since it caused me to look at my 3 Fidelity accounts, where I have a total of $2.2 million, albeit, approximately $500k is managed by a Fidelity Team\* (they call it "Fidelity U.S. Large Cap Strategy"). Specifically, I was wondering about the %s in this managed account. It should also be noted that I own 2500 shares of NVDA in my regular Fidelity account, along with a 1000 AMZN shares, and 1100 shares of AVGO (which just joined the "trillion" dollar club a month or so ago). Anyway, I highlighted the "% Of Account" column and of the approximately 150 stocks this Fidelity Team has me in, VOO is the highest at 9.96%; NVDA 7.83%; AMZN 4.56%; MSFT 4.13%; GOOGL 3.32%; META 2.73%; AAPL 2.40% (note: AVGO 2.58% and XOM 2.56% were ahead of AAPL). \*Minimum investment of $100k required for an account with this Fidelity Team.
You’re treating VOO like a short term trade - VOO is a broad market etf of the s&p 500. Buy, DCA and hold long term. The longer your timeline is the higher the confidence in churning a gain (i.e. in 30 years you’re 90% guaranteed to have more money than today - pulling number out of my ass but the stats are there)
You’re thinking about the right things, but there’s a small misconception here — diversification isn’t something you “start later,” it’s something you decide on from the beginning. Right now you’re actually very concentrated: almost entirely US, and heavily tilted toward tech (VOO + QQQ + MSFT/GOOGL/AMZN is a lot of overlap). That’s fine at 20 if it’s intentional, but it’s not really diversified. Also, international exposure isn’t “safer” — it’s just a different driver. Same with bonds: they’re not for higher returns, they’re for reducing volatility and protecting against bad timing (especially closer to retirement). So instead of thinking “what age do I diversify,” a better way to think is: → When do I need stability over growth? Typically: • 20s–early 30s: mostly equities (you can stay aggressive) • \~10–15 years before needing the money: start adding bonds • Closer to retirement: increase stability further For international, you can add it anytime — even 10–20% already makes your portfolio more balanced globally without hurting growth much. Your current setup is basically a high-conviction bet on US tech continuing to outperform. That can work, but it’s a bet, not diversification. If you want something more balanced without losing growth, even a small shift (like adding VXUS and reducing overlap) would already make a big difference. If you want to see how concentrated your current setup actually is: [https://portfomemo.com](https://portfomemo.com)
Micron Tech just announced earnings and revenue TRIPLED there's no disconnect, this is just a hick up stocks go up stocks go down but over the long term they ALWAYS go up the best thing you can do is put 100% of your pay check into the market just pick an ETF like VOO or QQQ and you will ALWAYS have more money tomorrow than you did today
i'm legit thinking to do with. I have a lot of cash tied to VOO/FXAIX, around what time is a good time to exit out? I'm reading post where the market will need to stay afloat for six months before all those shares are given to retail
Honest question: How the fuck did you do this? Stocks are at an ATH all you had to do was just VOO and chill and 5 years you would have doubled or tripled yer money how the hell did you lose everything with stocks being at an ATH?
Yah VOO is on sale right now if yer smart just DCA stocks only move up and to the right, anyone who tells you differently is just fear mongering
You’re actually on a very good track — the mindset shift from stock picking → structured allocation is the big win. A few quick thoughts: • Your allocation is a bit overcomplicated. VOO + SPYG already overlap a lot (both US growth), so you’re more tech-heavy than you think • 40% individual stocks is quite high at your stage — that’s where most hidden risk comes from • VXUS addition is good — that’s real diversification If I were simplifying: → Core: VOO + VXUS (70–90%) → Satellite: individual stocks (10–30%) On lump sum vs DCA: Statistically lump sum wins, but DCA is totally fine if it helps you stay consistent (which matters more at your level). Defensive stocks (JNJ, PMI) are fine, but don’t overestimate them — they still drop in market crashes. True diversification = different asset classes, not just “less volatile stocks”. Honestly your biggest risk isn’t timing — it’s hidden overlap and complexity. I’ve been using this to sanity check allocations and see real diversification vs perceived: [https://portfoliomemo.com](https://portfoliomemo.com)
Nah you’ll be alright man. Just never do anything other than VOO shares again. 100k/5yrs is just 20k a year - you’ll be aight
Imagine if you would’ve just put it in VOO and chill This is bad and you should feel bad. Remember this bad feeling everytime you think you can “come back”. Just stop before you continue to set yourself back financially. Build up your savings and just start buying index funds when the time is right.
The market was down 20% in 2022. Nobody even remembers because those losses didn't matter unless you sold low. Just chill. If you can handle half of a correction you can't handle VOO.
97k just dumped into VOO 5 years ago and forgotten about would be like 170k right now.
Best advice I ever saw was along the lines of "You thought it was worth $100 when you bought it. But now that it's worth $90 - despite nothing changing in the fundamentals - suddenly you want to sell. So now you don't think it's even worth $90? What changed?". OP, what has changed about VOO's fundamentals that suddenly you don't think it's worth having anymore? You clearly thought it was going to go up when it cost $640, or you wouldn't have bought it. Why don't you think it will go up now that it's only $608? Surely going up from here is *easier*, not harder, right? (Now, obviously I'm not saying "stocks always go up and this is an immutable law of nature and there's zero risk involved". Shit happens, and nobody knows the future. I'm just asking you to think about this logically rather than emotionally.)
I took all my money out of $VOO (only had $1900 in it) and put it into $BNO, I figure with us (America) attacking Iran's oil directly the price can only go up, right? I actually haven't profitted from $VOO at all since I started investing in January. I've actually lost around $70 because of this war. So I figure instead of losing more money I guess my money is safer in $BNO. Would you agree?
So now you need to make 97k again over the next 5 years and this time just invest it in VOO and let’s see what happens
Nothing that you bought has fundamentally changed. VOO has the same holdings. those holdings didn't lose 5% of their revenue or assets. interest rates haven't changed. Do you get stressed when you buy a car and lose 20% of it's value when you drive off the lot?
Do not sell, you haven't lost anything until you sell. VOO is long term, just let it simmer. World is chaotic right now, as soon as Iran is settled the market will jump up again
*The Church of VOO and Chill* has declared the period between 2000 and 2013 to be a forbidden topic, and those who discuss it are heretics.
Who was this advisor?! The historical data shows lump sum works better for overall returns BUT it can cost you your sanity if you don’t have the cajones to handle the dips! Did you not talk about this? Have you never seen the VOO chart yourself?
The thing you bought don’t lose its value, it’s not poof gone at all - the price someone else would pay for it changed. Its value is actually all the future free cash flow of the companies in VOO. The companies might change over time but that doesn’t matter to you. VOO, what you own, has the value of all future cash flows of those businesses in it, whatever they are. With a long enough time horizon, it will reclaim its ATH price and continue to rise as productivity and company profits continues to grow in totality. The only way you truly lose, is if you sell or the world ends. Get that into your head, delete the app, and go live your cushy life you millionaire.
I couldn't even chill with my VOO. I went to cash two weeks ago.
Yeah I wish I was VOO and chill but there’s no going back now. I’m in the trenches with you retards until I make it all back.
VOO’s only down 3% YTD, so I’m not quite sure how you managed that, but assuming you bought the top, your next trick would be to sell the bottom.
Listen, VOO is gonna recover, it may take a couple of weeks, it may take a whole year, but it's gonna recover. Your best course of action is to let it pass. If you sell now, you'll be losing 40k. Yes, tomorrow those 40k will be 60k and maybe worse. I put a much minor sum into gold when USA bombarded IRAN and right now I am at -10% loss, and...I am just gonna leave it as long as it takes for it to recover.
And this right here is why the advice folks give here of 100% VOO isnt right for everyone
Just look at a chart of VOO over the past x number of years buddy.
Just stop and breath dude. Zoom out as they say. What you're thinking about doing is very stupid and how people lose money. You're going to panic sell and buy a HYSA, maybe next week you'll see SPY have a huge week, what will you do? You'll sell your HYSA and dump it into VOO again. Rinse and repeat. Honestly that advice was pretty weird and shitty to begin with. Sell your tangible assets and dump it into the frothiest and most inflated market we've ever seen, with a fucking lunatic steering the ship, oh and a fresh new war to boot. If you don't need this money for the next 5 to 10yrs, chill out. If you'll need it in the next year, sell and go HYSA for your mental health.
VOO and chill oh shit even that’s fucked
actually he is correct - VOO+VXUS has lower management fees than just VT and chill if you split it out. but that requires more thinking.
VT and chill as opposed to VOO, VTI, or VGT and chill is, if nothing else, wild.
Fun fact. My weight in target date outperformed my SP500 holdings in 2025 because it includes global diversification. I mean SP500 did really well 2025, it’s just that ex-us did way better VOO is great, but there are more diverse funds out there.
They generally err on the side of being too conservative and have higher fees than ETFs. Either pick a stock you can see yourself holding for 5+ years if you want more risk and more potential upside, or buy VOO (or similar) and chill
Have you opened this sub before? The answers are VOO (or better VT) and chill or some bot pushing leveraged covered call NVDA ETFs. Think hard about your choice
Not worried about the defense sector. ITA has outperformed VOO since inception (15 years or so) on a total returns basis. Buying the defense sector is like betting on corruption to win in a democracy.
VOO and VXUS are the bastard children of my port
"Markets going down" and "losing money" aren't always the same. Someone who keeps buying index funds without selling, the paper value may go down, but generally they're in it for the long haul. That's just regarding your title. Now, to some of your points First off, the difference between a mutual fund and an ETF isn't whether it's active or passive. There are index-tracking mutual funds and there are actively managed ETFs, that range from rules-based funds (e.g. Avantis funds) all the way to very active single-stock leveraged ETFs. The difference between mutual funds and ETFs is more about how to invest in them, taxation, etc., not about whether they're active or passive. Passive beating active over the long haul isn't just stuck in 1973 literature. You can also see statistics from much more recently, e.g. [Active versus Passive Investing: An Empirical Study on The US and European Mutual Funds and ETFs | Contemporary Issues in Bank Financial Management | Books Gateway | Emerald Publishing](https://www.emerald.com/books/edited-volume/15687/chapter-abstract/86983408/Active-versus-Passive-Investing-An-Empirical-Study?redirectedFrom=PDF) Correct, an index fund cannot "prepare" for a market crash. (I will add that theoretically, the large cap companies an index tracks actively manage their very own strategies which has an impact on stock price and could try to "prepare" for a crash, but don't...) On the flip said, Peter Lynch himself (no passive investor) said: "More money has been lost preparing for a crash than has been lost in an actual crash." So maybe trying to prep isn't such a great strategy to begin with. You also mention hedge funds. But these aren't the same as active funds. The purpose of a hedge fund is rarely to "beat the market" or a given index. The potential investors are different. Someone looking to start investing and buy VT or VTI or VOO (or any other broad market index fund) often starts out with a small amount of money. Many hedge funds require a minimum investment of $100K (or even $200K) and liquid net worth of at least $1M. The type of person is different and therefore the purpose is different. They're both "investments" but you're not comparing apples to apples. Active strategies also have negative real (and nominal) returns, but you seem to keep assuming that one can time the market. For the long haul, it generally goes up. But if companies with billions of dollars in research and trillions in assets have not yet successfully figured out how to time the market, who exactly do you propose to actively manage a portfolio that can successfully time the market?
1. Financial advisors will try to sell your their products over better ones. 2. Vanguard is the most overrated company in the stock market. 3. Safe stocks are for rich people. Buy momentum stocks and ETFs for growth, buy ETFs and CEFs for income. 4. Leveraged and Inverse ETFs won't kill you. 5. ETNs won't kill you. 6. All the popular analysts on TV and the internet are shills for various big interests or companies. 7. The experts are often wrong. 8. The amount of assets you invest in is only limited by your tolerance for stress and how much time you have. Buy whatever makes you money, or saves your money in downturns. 9. "VOO and chill" is how to stay poor, or if you have no time to manage your portfolio. 10. Petrodollars, debt/lending, commodities, technology, geopolitics, sentiment is what really drives the market. 11. Don't be sentimental, emotional, patriotic, or religious. Practically everyone is lying, trying to sell you their interests. You might even be lying to yourself. Facts and numbers is what matters, even if everyone in your family, your friends, your coworkers disagree with you. 12. Companies and their markets change over time. One of the best recent examples: Intel. Nobody expected that!
Why the fuck is no one saying Microsoft I feel like I'm losing it seeing all the shit recommendations here. Your the only person pointing out that with $50k on any single stock especially something that isn't even profitable yet, can turn into a hard lesson fast. I almost wonder if this post is a joke. I can't imagine someone with that much to invest seriously is making a reddit post asking for advice that a financial advisor should be giving them. Or just buy VOO. Anything else is stupid and gambling
Don’t withdraw. The money you put in a Roth or 401k can be invested inside the account. Your workplace hopefully set you up with your 401k already (if you see a target date fund or something like that it’s already invested). If you just put money into a Roth and let it sit there you will miss out on huge amounts of growth over the years. Whatever brokerage you have the account with will have an option to invest. Don’t buy individual stocks unless you want to risk losing your money. Buy an index fund like VOO (others may recommend various slightly different things but the end result over time will be good regardless). On average your investment will double every 7-10 years with a simple investment like that.
They are right, you should do it soon. Ask AI on how to set up a Roth IRA. Ask your employer about your 401k. In your Roth, buy VOO or SPY, you have to buy it every time you deposit money into your account. In your 401k, look for a fund that says it tracks the S&P500. That's it. The money will grow and you will not believe the number you're looking at when it's time for you withdraw the money some years from now.
Who the fuck uses VOO instead of SPY
if VOO can't hold $618 then we're continuing the down trend.
I sold off all my VOO, lots of risk with almost no reward.
I'd say this is a very good answer. Will just add that gold isn't some magic inverse trade against other assets like VOO, VT, TLT, or cash. If you wanted to go inverse on those then it's SH etf, puts on VT, shorts on TLT, or using margin/debt on cash. When you long gold you're basically choosing *a low-vol alt asset* that has **long-term** inflation hedge properties. It helps you preserve wealth and if you are holding physical then it a hedge against national failure in addition to being a hedge against fiat/dollar devaluation (again over the long run). Will just add that gold is still a non-productive asset that works on supply & demand which is partially based on speculation. Gold already had a massive run up due to markets (and central bank) demand which priced in very high risk. *Gold was already in consolidation before the war broke out AND the dollar spiked so very likely the* ***markets had priced in a worse situation for war too*** *so when it didn't then gold price would naturally see a downward move relative to a rising dollar.*
I was hoping to buy $50K of VOO at $600 per share. But now I'm not sure it drops that far.
So wow, this rddt is usually decent. So yeah, spreads can create this sort of grey zone that is best avoided..when it matters. Which is over the Dec-Jan 60 day range, just allow things to settle in that period. So many ways to fuck that up, for instance you can permanently forfeit losses by selling VOO in a taxable brokerage for a loss and buying VTI in an IRA (IRA= 'IRA Trap' where you permanently forfeit those losses. In general just avoid this sort of thing in that Dec-Jan period. Break the chain of wash sales if you frequently trade the same/similar thing long-term over that period and you will be fine. Seems like your particular problem comes from losing money on spreads within that range and than opening more near-term spreads on the same thing. Basically carrying losses forward and not realizing losses to offset gains. I think you are making this more complicated than it needs to be (even if this smacks of AI), I think you got hit with the ambiguity of 'Phantom Gains.' Basically you realized your gains and accidentally carried you presumed off setting losses into the next year via wash sales. If I'm right all you can do is realize loss to offset gains this year realistically.. despite the grey area on spreads.
Emergency fund is great, especially at first before you know what you are doing. This sub loves to tell everyone to just "VOO and chill" but I believe that advice is incredibly over rated if you are interested in learning the stock market in your free time. Picking the right individual stocks will vastly outperform VOO (vanguard etf that tracks the s&p 500) which in the past has gained 10-18% ROI annually. What I did starting out when I had a few grand saved (on top of an emergency fund) was to buy 1 share of 1 or 2 extremely solid companies (in my case both Google and Apple were in slumps at the time so I bought those) to force myself to learn how the market works, and then very slowly add either more shares or expand my portfolio with more companies over time. Now it all depends on the type of person you are, if you are extremely risk averse, don't have spare time to learn the market, or just find it uninteresting to learn, then by all means just go with VOO or an all world etf or both and call it a day.
$72k/year for 10 years into VFIAX and VTI is a solid plan. The 403B match alone is free money. At that savings rate you've got a real shot at retiring by 54. If you're curious how DCA vs lump sum would play out on that kind of money, [here's a calculator](https://trackmyshares.com/tools/dca-vs-lump-sum?symbol=VOO&market=US&start=2024-01-01&amount=72000&freq=monthly) that uses real historical data. Helps with deciding how to deploy each year's contribution.
Some of you contributed the full $7500 into a Roth IRA on January 26th and lump summed into VOO and it shows.
So right now is when you should just cut the losses and move on. Historically you’re not gonna hold on to your most recent trade for long. VOO will return a lot more over the same window. 😂
Honestly, if you're looking for both returns and some ethical consideration, maybe split the difference? Like 75% VOO and 25% the Paris-aligned one. That way you're still mostly tracking the S&P 500 but giving some weight to climate concerns. Anyone else do something like this?
I have thought about Voo and actually wanted to that first. But I wanted to get into the habit of consistently adding an amount into my account. The $50 a week I have it on auto every week and as opposed to saving and remembering to buy a share of VOO every 2-3 months. Or I could open a brokerage where I can buy fractional shares but so far I think it’s gunna work out