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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
bro frfr just ONE full port 0DTE call… just ONE… and i’ll be SET FOR LIFE man (scratches neck aggressively) then i’ll put that shi in QQQ and VOO. i can FEEL jpow whispering tendies into my ear… i’m basically front running destiny at this point.
Cannot upvote you enough and this needs to be made a pinned post. We need to stop thinking that something is scam, if I don't understand or know how it works. VOO, VT, VTI, VXUS all contain companies you do not like or consider "scam", but that is part of investing in an index. Like `Successful-Tea-5733` linked, pick an index you like then.
Is VOO pronounced “voo” or are the letters spelled out?
SPY and VOO are tracking the same index but at different costs for running the fund. VOO charges 3 basis points while SPY charges 9.45. I would just choose one and stick to that.
What’s your recommended alternative ETF? I’m happy with S&P, and will continue to buy and hold VOO. They certainly have picked the best of the best so far, including Nvidia, Apple, Microsoft, Google and more. So I’m happy to let them continue picking the 500 best of the best, but if you have a reasonable alternative then let’s hear it.
is a good reflexion, but is best to buy all of them in a index fund VOO or an index found of nasdaq 100. However, i do recommend to wait like warren buffet did.
Idk what VOO is but 200 was just kind of a random investment I’m 100% poor just looking for ways to make money cause this office job is killingme
Stop what you’re doing and just invest in VOO. You’re what they call “poor” around here and gambling on some bullshit you don’t understand isn’t going to help
> Like, there's been tons and tons of hype on the web about the sp500 for the past year or two or three When I started looking into investing back in 2012, the recommendation was buy S&P 500 index funds. Best advice I could have gotten. Getting you to buy gamestop, or individual tech stocks or stock options or random crypto projects is how they fleece you. VT, VOO, VTI is how you build wealth for retirement, but it’s your future, do what you want.
Been telling people this my entire advising career. It is easier said than done. Most people don't understand the real dangers most rookies make: not automating, emotional attachment to stock picks (your picks are now tied to your character, terrible idea), falling in love with basis (bought super low long ago, and never bought again, tons of money left on the table), inability to calculate the counterfactual (no idea how to estimate what a simple $200/week auto in VOO would be today). Even for the ones that understand what I am telling them, they STILL call me to panic sell. Still try to convince to me to lower their automatic contribution because of "bad times in the market ahead". I will always have a job because of this human tendency. Anything that helps you spend less and invest more auto = your friend. Anything that creates an obstacle or friction to that end = your enemy. I've seen over optimizing, over analyzing, even sheer complexity be an obstacle to increase automatic investment. Have a super careful mix of % this and that, increasing your weekly investment turns into a nightmare, end result: they just leave it where it is when they could have invested more. Buy VOO on auto weekly basis, sell only when you have an urgent expense to pay for. If the money gets huge, hire a trusted pro. Alway invest auto. Unless you're spending all your income, something should be auto invested.
Just VOO and chill with the money. Sell ETF when you have something urgent to pay for. Do you depend on the monthly income? You should be adding to VOO on an auto weekly basis anyways. Same thing: sell only when you have something urgent to pay for. You're getting to the point where you probably want to make a relationship with a trustworthy pro and make some plans. You will want to delegate this away. Best of luck!
My plan for 2026 is boring but effective: Keep stacking broad ETFs (SPY/VOO or QQQQT/VEQT equivalents) and add small buys on big tech only when they dip 10–15%. No need to chase rockets, the indexes already did the heavy lifting this year. If AI keeps running, I’m covered. If it cools off, I won’t get wrecked. Slow, consistent, and emotionless. That’s the plan.
For 27, you're actually in a great position. Your savings rate is solid, you’re investing consistently, and your debt is manageable. The main thing I’d adjust is diversification — having 30k in a single REIT (O) is a big concentration risk. A smoother long-term approach would be: • keep VOO as your core • keep QQQI as a growth tilt • reduce the oversized REIT position over time Your strategy is totally fine for long-term retirement as long as you stay diversified and keep that savings rate. Voila
For a lifetime horizon, broad index funds almost always outperform savings accounts, metals, and most stock pickers. If you want to keep it simple: • 80–90% in a broad ETF (VOO/VTI) • 10–20% in a tech tilt if you enjoy it (AAPL, MSFT, NVDA). Long-term performance mostly comes from staying invested, not guessing sectors.
I want to see market bleeding 🩸 so I can pump more money into VOO or QQQ
Guys and gals I got some money to gamble in my Roth IRA and I think HOOD is the way to go. Anything else I’m not considering? I have the usual others and VOO.
Solid question, and honestly the answer gets pretty obvious when you look at long-term returns. stocks/index funds beat gold and savings accounts by a mile over 20+ years. Savings accounts give you a few percent, gold mostly just holds value, but stocks average around 10% a year, that compounds fast. The simple move? make index funds (VOO, VTI, etc.) your core, add some bonds if you want stability, and maybe a small bit of gold if it helps you sleep better. No need to overcomplicate it. And real talk, consistent investing in boring index funds beats almost everyone trying to pick the “next Nvidia.” consistency is the actual cheat code.
If you're not willing to deeply study companies, constantly be researching the latest trends, opportunities, and bullish and bearish signals, I highly recommend just buying a broad based ETF like SPMO or VOO.
If you like to pick stocks, diversify and stick to industry leaders. If you are less risk averse, go with something boring like VOO or even SPY.
Just put it in VOO if you don’t need it for a long time. Take time to learn about investing and markets. If you don’t want to put it in all at once, put it in but by bit on a schedule. Good luck!
Delayed quotes? Like 15 minutes delayed? I wouldn't accept that even if all I wanted was to buy VOO
So buy SPY/VOO and take everyone down with you.
buy VOO. learn how the market works. Newbies should stick to VOO buy and hold forever.
It’s a solid strategy. Because you’re using margin and covering the trade with your portfolio, the put $ reserve requirement isn’t thee same as it would be if it were CSP. It varies by stock and since NBIS is new and high beta, it’s likely much higher than selling puts in something more established. For instance, I sold 15 contracts recently for Jan2028 NVDA $145 puts. Premium was $36K. The margin allocation from E*trade was only 15% of the total. So instead of it hitting my margin balance for $217K, it only hits for $32K. Notice that even that is just for ratio purposes. I’m actually not paying margin on it. I then take the $36K and invest it in DITM LEAPs and VOO.
Am I reading this correctly - you did not mean to ‘park’ the funds in VOO and withdrawing for paying bill every month, did you ?
VOO. Drop 25k every Friday for the next year. Interest rates are about to get cut. The feds are going to print new money in 2026. The market is going to climb to all new highs.
Yes, this will work long term. The difference between different intervals (daily, weekly, monthly, annually) diminishes to zero over time. It can be big in the first year, but in both directions, so it's random. Don't worry about it if your time horizon is more than a few years. I would question more the strategy: those indices are massively overlapping. You're not achieving much by jumping from one to another—a world index already heavily includes the US market, and the S&P 500 heavily includes the Nasdaq 100. This just makes reading your results harder. Instead, match, e.g., [VOO and VXUS because they don't overlap](https://etfcomparison.org/voo-vs-vxus/), and you'll have a better understanding of your allocation and how each market performs.
This! I didn’t do it with my company’s stock and regret it badly! While there’s a serious growth opportunity and which started last year with 60%+, I could have gotten so much more over the past 7 years by just having put it on eg VOO. Don’t make my mistake
Don't be a sucker. Just by VOO and QQQ.
I use VXUS and VGU as a hedge against my VOO (75%)
Care to share your "non-AI" portfolio? Anyone holding VOO is getting a substantial amount of their gains from AI boom.
>The SP500 index funds need to buy roughly 16 million shares (approx. $7B) by Dec 19. **They can't buy yet**, so arb desks will be buying Monday to warehousefor them. Does he mean these guys are buying by Dec 19th? * VOO * IVV * SPY * FXAIX * SWPPX * VFIAX But they can't buy it yet? Can someone or u/dowgy demystify this? Thanks
The reason basic funds like VOO and VTI do well over a duration of time is that they are well diversified and slant toward larger companies. Some things will beat them for a year or two here and there, but now way of knowing what. Once you get into anything more specific - like mid caps or industrials or tech or whatever - you are no longer buying something diversified. You are now trying to time certain parts of the market. It’s anybody’s guess. AVUV has not had a good couple years, but very well could next year. Who knows. Golf has had a big run lately, but will it continue? Who knows. Keeping with VTI is a middle of the road approach that over a span of time, is unlikely to be beat. And things that do beat it will be unpredictable and random. Only way I’d invest in something more specific is if I worked in a certain industry and therefore had good knowledge of how things were looking.
im gonna continue to hold VOO with 30 year window
Even a clock is right twice a day. Let's see how well everyone does during a market correction or a recession The VOO , VIG, etc may not have flashy high double digits but I'll sleep at night. Also comes down to age, income and risk tolerance. I've worked hard to build my retirement Prefer the reits, blue chips and ETF's that pay.
Income funds will grossly underperform VOO or QQQ
What is your realty return compared to VOO? At 27 you don't need income funds. I would sell realty income then buy VOO. i would sell qqqi and then buy QQQ
VOO and chill. Teach your kids to invest. Fidelity is easier. Best of luck!!
First, you shouldn't be investing in stock. Invest in index funds like VOO. Second, now most investments site like Fidelity allow buying fractional shares. The prices of a stock or ETF doesn't matter. You can by 1/2 half. What matter is the value of a stock or ETF. Not how many shares you own.
Live below your means. Open an account on one of the brokerage services. Put whatever you can afford into say VOO or some other broad ETF.
ETF, create a budget, 30% of your salary and invest in ETF like VOO + VXUS. Better and less riskier than individual stocks
Good question: I'm in between. Let me explain. Over the past 20 years I've sworn off stocks for ETFs so many times I can't count. And always for the same reason: *single-issue risk.* What it that? Musk tweets something stupid, Tesla drops 10%. Oracle doesn't meet expected earnings, it drops 15%. Enron, "the smartest guys in the room", weren't: bankruptcy. **So since March I've only done ETFs.** If you ever catch me trading a single stock, I want you to shoot me. Please. And sure some ETFs have big drops, but they're ones I don't touch: crypto and cannabis. Other than that, ETFs just don't move that quickly. And why? Because they're baskets of stocks, right? (For the most part.) So if an ETF holds 100 stocks, and one goes to zero, how much should the ETF drop? Just 1%. (Aside from sector-sympathy that might drag some of the others down too.) Why don't I use SPY and QQQ and the like? 1 - because I'm not an indexer by nature, because: 2 - I like to find things *that are going up*, and trade those. But don't get me wrong, if SPY or QQQ were going up fast enough to screen-in to how I screen, then I'd trade them. I recently traded IWM, the Russell 2000, because of that. Now maybe let me expand your mind a bit: *Do you know how many ETFs there are in the US?* **4,300!** Four **THOUSAND** and three hundred. But you only hear about a dozen of them, don't you? VT, VTI, SCHD, VOO, IVV, VXUS, maybe ITOT, like that. *Did you know that* [momentum in equity prices persists](https://www.sciencedirect.com/science/article/abs/pii/S0927538X18303998?via%3Dihub#preview-section-references)*?* It does. For 1, 2, 3, even 6 months or more. Now, what if we put those 2 things together and looked for **ETFs with momentum**? And then instead of *buying* them, buy **LEAPS Calls** on them. Deep ITM LEAPS Calls act as *share substitutes* and give us **leverage**. Let me know if you're interested in hearing more.
401k in a s&p500 fund. HSA, Roth IRA, and Brokerage are all VOO
Sounds like you already know what you want, XMAG does VOO minus MAG7. Looking at the status for last 1y it looks like 10%, which is pretty OK, especially if you are restructuring now.
VOO is better in a taxable account. Mutual funds have cap gains, can’t be avoided, ETF is more tax efficient. Doesn’t make difference with Roth or trad Ira. Mutual funds used to be the only way to do fractional auto buys, but Fidelity supports fractionals for stock and ETF. You can even have the auto buy pulled directly from bank account (don’t have to pre fund, super convenient).
Sell 60-70% and put 65% in VTI/VOO 10% in whatever emerging market find you see fit. ( Hedge money ) 25% in VSUX is probably what I would do VTI VOO are heavy with the top tech VSUX will underperform it but gives you broader exposure to stability in a downturn and emerging markets tend to do pretty well in slower economic growth times.
You got it. Buy VOO auto amount on a weekly basis. Then work to increase that weekly. Compare that weekly to your bills, and try to beat every bill close to that weekly amount. The less you spend and the more you auto invest, the better you will be! And always be prepared for pullbacks. Manage emotions. Best of luck!!
SCHD SCHY SCHB all equal split DCA over 2 years would be my go if it has to be all stock 300k just my opinion not advice and those ETFs are not absolute and interchangeable VOO VYM VYMI or SPY DIA VEA and so on so forth
Thats not how an inclusion works. Various funds (SPY, VOO ... etc) that track the S&P 500 are FORCED to buy CVNA stock to match their required allocation. And whats worse is the shares they buy get locked away and are not actively traded, meaning its a massive demand event that sucks out the supply and locks it up. Causing the remaining supply of shares to need higher and higher prices to be unlocked.
Would it be smart to do half VTI and half VOO or all in either?
Yes. I was thinking about this, and did a tiny bit of research, and then posted in this group: if you look at what the ETF holds, by percentage, and look then at the expense ratio, you will realize: take an example, VOO, a "low cost ETF". The expense ratio is 0.03%. Seems small, right? But then cautiously use your brain: how many of the VOO stocks have a presence less than or equal to 0.03%? A shocking number. 130, 140? stocks where you buy less of the stock than you pay !!!ONE YEAR!!! for the Etf. Buy and hold, pay 0.03% every year? It gets worse. So .. ETF = money for the company, and you are not important.
If you are trading and playing with short term swings, you need to understand that the market doesnt follow reason. If you are investing long term, then eventually fundamentals will win and as long as you pick and project well. Most people cant do either well... which is why they use ETFs like VOO or VTI. Short term, pricing is unpredictable. Long term pricing veers towards fundamentals and is more predictable.
Paying 35 basis points to systematically exclude the companies driving the market’s returns is a questionable strategy. With only roughly $71M in assets, XMAG is a liquidity ghost town that faces real closure risk compared to major funds. If you hate concentration, RSP (S&P 500 Equal Weight) is the standard alternative with actual volume and history. Paying 10x the fees of VOO just to cap your upside seems backward.
Open a Fidelity account. Buy VOO on auto weekly basis. Whatever he can afford. Sell only when there is an urgent bill to pay for. That’s all investing is, spend less, invest more. Do it auto. Awesome job for him!!
Before you invest make sure you have an emergency fund setup with 3-6 months of spending in a HYSA. If you do already just put it in VOO or VT
For a young person, I’d just through it into VOO. Low cost index tracking the S&P. If there are certain areas that you think will grow you can take maybe 10-30% of that and drop it into other riskier ETFs like quantum, robotics, or something else you think could do well over the next 10-30 years. That’s my $0.02
With VGU you’re doubling down on the growth stocks. That’s not what I’m after I ve kept international out of this discussion so it is not about overall AA and just about diversification of VOO.
Thank you. I am probably missing some obvious details, but am a complete newbie and have been trying to ask questions and learn over the past year. The deer between the headlights moment was having a 401k that I just left in a target fund for a while and didnt think about anything else. Any surplus cash I had was in some rental properties for a future retirement income that I started doing a few years ago. The ah ha moment was when I calculated the two rental properties, on the down payment (dollar put in to get the rentals), after tax income. I was getting about 2-3% gain on the dollar 'invested (in the down payment). And when I move abroad I also have to get up a month for someone to manage it (instant loss of 8.3% income...not just profit). That also assumes I would have to replace the roof, water heaters, furnace in the next 3-15 years which would wipe gains for many years. And then the real estate is in a down for a while, so appreciation is very minimal (and even a break even or somewhat negative right now). I realized dollar for dollar, I could put it in VOO (7% rough gain on the dollar) and be liquid and flexible. that led me down the rabbit hole of slowly educating myself and coming to the conclusion that I might be able to retire (using SOSEPP on the IRA part of the 401K, above portfolio and SS in 11-14 years all while abroad which I was planning to do at some point).
I use VXUS and VGU as a hedge against my VOO (75%)
Sell some, throw it into VOO & don't touch it. Don't panic sell when the market drops, forget about it.
Historically, holding SPY/VOO has been a winning move. If SPY/VOO starts sucking, chances are the average individual stock investor also isn't doing well.
Looks solid for 27 honestly. You’re already doing more than most people your age. You’ve got real assets, you’re contributing consistently, and you’re not trying to time anything. That alone puts you ahead. The only thing I’d look at is balance. You’re pretty heavy in just a few names right now. Nothing wrong with liking them, but having a wider base through something like VOO or a total market fund can smooth things out long term. You’re already doing some of that which is good.
Most people are probably over weight on it because of the indexes being held such as VOO, VT, VTI, etc. Depends on your time horizon I guess. Right now it’s a secular growth trend and still in the early phases IMO. These companies have strong fundamentals and are sitting on loads of cash. No matter what stocks you are buying it’s always buy, hold, and monitor. I’m not worried. I have time, and I’m diversified holding ETFs US and Ex-US, non tech industries, and cash. Wealth is made in bear markets. Keep buying and stay the course.
Really it depends on how much money you’re talking about and what that sum is in relation to the rest of your net worth/holdings. If this is everything you own, then sell all of them and put that into something like VOO or diversify into other stocks like AAPL, GOOGL, WMT. If this is just a sliver of your holdings, then keep it and see where the dice roll takes you. Also, if you happen to own 100 shares of any of these, then sell covered calls to generate some revenue for yourself on the positions, which I love to do if I’m in profit
Continued: If just one of Mag 7 draws down by 40% (let’s say TSLA with 2.4% —> 1.4% ) that’s at least a 1% drop for VOO. The higher fee & spread of ~ 0.33% compares well to that scenario. With all the media talk about an AI bubble and Mag7 being a large portion of the market, I’m surprised this ETF or equivalent hasn’t been more popular yet. I also think it’s better than an equal-weight ETF (like RSP WITH 0.20% fees). Market cap weighing sorts winners from losers. What do you think ?
I want to be realistic with myself, I mostly want growth, I know stocks can give a higher return but are more of a gamble. Is someone is invested in VOO would there be a point of them investing in NVDA, NVDA could go up while VOO is less responsive because of the other funds, would it be worth to look at stocks only outside of those etas
You're not in enough subs or looking at the wrong posts. Get away from the pumpers in WSB and those penny stock subs. Stay away from Bogleheads because they won't point you to anything but VOO or VTI. r/stocks, r/valueinvesting, r/ETFs, and r/LETFs are decent spots, and you will find a treasure trove of info in them if you avoid any post mentioning Nvidia and the rest of the Mag 7, which isn't hard to do. Or just open ChatGPT or Gemini and ask what the more talked about stocks are outside of the MAG 7 on Reddit, and to provide source links, and let it run its magic. You can do this. 👊🏾
Well, you are light years ahead of most people at your age. A few notes though. The main constituents of VOO and QQQI and the same/ similiar so holding them seperately doesn't give much extra diversification so why bother. Nothing wrong with having these 2 seperate but this is usually done for diversification and that doesn't seem to be happening. For your O holdings, the PE for O is about 55, even more at the run rate - very high. They have excellent revenue growth '23 to '24 (about 30%) but this seems to have moderated recently (9% current Q to year before). Unfortunately their income seems to actually be going down and they consistently dilute their stock, over 25% in the last year and over 10% the year before. Hell, their dilution is more than their revenue growth the past couple years (averaged) and again, their income is actually going down though they do have decent dividend yield (5.5%). I really don't like the company. This all seems sloppy and they seem to have less concern for their shareholders than many. So, they are mostly ok long term but short and even medium term they are overpriced and unless they stop the dilution its not clear how good they'd be long term either. I'd sell them, they may eventually end up being ok but there are way better stocks out there that have far better income growth, far better value metrics and even better dividends (though I'll admit, getting all 3 of these might be very challenging). I think long term you'll do fine with these investments (probably even O) but short to medium term they are all at high PE ratios so maybe not so much. Again though, long term this might be pretty good.
If you just went and bought VOO and sat on it, you'd do fine. Difficult to screw up.
VOO is great. Similarly you’ll see more growth in QQQ than QQQI
ONEQ is a great Nasdaq option. ONEQ has over 1000 holdings vs 500 for VOO or 101 for QQQ. Yes, Nasdaq is tech heavy with over 50%. ONEQ has outperformed VOO eight of the last 11 years including this year. ONEQ has an annualized gain of 17% the last 15 years vs 14.24% for VOO.
Sounds like you're not very good at the stock market you should probably just DCA into VOO
I feel you are an emotional trader and if you invest and the market has a dip you will panic and sell everything and take a loss. You may want to put your money into a HYSA for the time being and do paper trading. It's basically real trading but you use play money. That way you can see what to expect. In your case, I would only invest in VTI (or VOO) because it seems your risk profile is extremely low.
In addition to what everyone else said, massive ETFs like SPY and VOO have a variety of insurance and offloading options for shares like Nvidia. If you're worried about a market crash, these ETF's are still your best way of hedging against it.
I transitioned to VONE over VTI or VOO in part because of the premium S&P pays when adding/dropping new names. VTI has too many little zombie companies that will never produce meaningful returns. VOO suffers from the attention on S&P. I do think you're overthinking this a bit though. These companies are going to be tiny percentages of the total index.
FOL vs FOMO. The two emotions that lead to losses. Even the pros fail so just DCA into the VOO/SPY and QQQ (assuming your horizon is 10+ years).
Buy VOO, Sell Short TSLA…
I think XIC and VOO are winners. EIS is probably gonna do pretty well too.
If you are buying something that is appreciating, whether it is VT, VTI, VOO, QQQ, VXUS, Gold or whatever, it will be more expensive today than it was x days/months/years ago and there will almost always be someone who feels it is too expensive. I do not know anyone who has a perfect crystal ball and all the options that have a high inflation-adjusted return carry risk. So just find an investment whose risk profile you are comfortable with (lazyportfolioetf.com has data in various currencies showing both returns and drawdowns over 1, 5, 10 and 30 years) and get started.
There are big differences between SPY and VOO and they are for two different types of "investors". Learn what they are: Google VOO Vs SPY.
My 1st Portfolio I’m 30 and new to investing, and I’ve been literally overwhelmed by all the options that are available for me to invest in. After a lot of research i have decided to stick to ETFs for the moment.. Please help me analyze my portfolio.. My monthly DCA budget would be 200 USD (300 usd exceptional case) . Portfolio X 1. VOO 2. VXUS 3. BND 4. GLDM 5. SMH I want to include QQQM and SCHD too but I’m not sure because of the overlap..
My point was I have no IDEA what will happen in 30 years. All of the top ten companies by market cap from 1995 are still around and doing fine(Intel is probably the most suspect). They are not the darlings the Mag 7 or Faang have been, but fine. And 30 years from now if you invest in something like VOO the odds on favorite is you will own some companies that end up doing really well.
Because I don't know I diversify. If the AI bubble pops, you can see big losses in VOO.
I’m retired and hold a 100% all equities portfolio (mostly VOO). I disagree with the notion that the next 5 years will be low growth. Nobody can predict that accurately and AI will power growth across every industry worldwide. The best hedge against inflation are equity portfolios.
honestly i’d lump sum it unless watching the balance bounce around stresses you out. VOO is basically the default long term play for most folks. SPAXX is just cash, so it’s like the holding tank. if you swipe your HSA card, Fidelity automatically sells enough of the cash position to cover it. you don’t have to do anything. also if you keep your short term money in a HYSA, make sure it’s paying well… BankTruth is good for checking that.
5x5 until you grow used to the weight and max out, continue to add weight as you grow. Eat enough protein. Also, invest in a broad index fund like VOO or SPY and grow your net worth while your body grows. Best of luck.
Well firstly, it’s unlikely it will grow at 80% year after year (it’s roughly 29% CAGR over the last 5 years). But my main point is that you already have 4% of your portfolio in Google by way of your VOO exposure. Presumably the purpose of having 20% of your portfolio set aside for individual stocks is to gain exposure to investments you aren’t getting in VOO.
Well, define solid money. I am conservative as far as my risk % on any one trade and try to manage things closely. Anyway, I am up 15.5% in exactly 6 months on options trading. Could have done just fine sitting in VOO but I have other $$ doing that for me.
Well, define solid money. I am conservative as far as my risk % on any one trade and try to manage things closely. Anyway, I am up 15.5% in exactly 6 months on options trading. Could have done just fine sitting in VOO but I have other $$ doing that for me.
If you are aiming for the long term, I think Meta, Amazon, and Google stock would do ok, or invest in ETFs like VOO or SCHD for dividends.
Holding - TSLA, NVDA, META, AMZN, BTC, ETH, SOL, VOO, QQQ. AI Revolution accelerating. New dovish Fed Chair. Pro business and stock market president until at least 2029. No options or leverage BS. It can all be so simple.
For my three picks to complement a VOO/VGT core, I’d focus on high-conviction secular trends with clear 2026 catalysts, but in areas you might be under-exposed to even within tech ETFs: **1. SNPS (Synopsys)** \- **Thesis:** The absolute pick-and-shovel play for advanced chips. Every AI/3nm design requires their software (EDA). It’s a high-margin, recurring-revenue monopoly. 2026 Catalyst: Rising chip design complexity = more $ value per tool. Pure AI infrastructure, but as software, not hardware. **2. CEG (Constellation Energy)** \- **Thesis:** The clean, baseload power solution for the AI data center boom. Largest U.S. nuclear operator their carbon-free, 24/7 power is suddenly strategic infrastructure. 2026 Catalyst: Direct power purchase agreements from hyperscalers locking in capacity. Benefits from IRA tax credits. Real-asset hedge in a tech portfolio. **3. SHOP (Shopify)** \- **Thesis:** The operating system for modern commerce is maturing into a cash flow machine. Beyond e-comm, it's capturing payments, fulfillment, B2B. 2026 Catalyst: Shift to profitable growth, enterprise expansion, and AI features that boost merchant spend. **Wildcard:** **PLTR (Palantir)**. Betting their AIP platform becomes the enterprise AI "brain." Wildcard because it hinges on massive commercial adoption scaling in '26, which is high-risk/high-reward.
You should just be in VOO with that amount of money.
LOL having both VOO and VGT is not diversified at all. You probably have let's say around 30% of your portfolio in three stocks. Nvidia, MSFT, and Apple.