VOO

bobdevnul

VOO is a passively managed index fund. It is an example of a low management fee fund. You can't get much lower than 0.03% management expense. You won't see the management fee as a transaction in your account. It is deducted from the share price.

nordik1

VOO

WordsHappenedHere

Well I’m 43. And I have in fact been VOO’n for 20 years. I’m also retired now and a millionaire. I trade for fun. If you want to actually build wealth you have to set aside at least 90% of your money and simply DCA into index funds. Leave the rest for gambling.

fen-q

Yes. Although, by principle, picking individual stocks should not be discouraged. Sure, park most of your money in safe places like ETFs and bonds, but purely from learning perspective, picking stocks should encouraged. There should be nothing but posts discussing fundamentals, technicals, moats, giving each other advice, how to do proper DD etc, but instead of that, when someone comes in here and asks something, the general response is "you're too dumb to do this, just VOO and chill" or "you're not the next Warren Buffett, just VTI and chill".

Blade3colorado

What an imbecilic post. I own 2700 shares of NVDA and my profits have been 104.31% . . . More important, VOO owns 7.89% of NVDA and it sits right at the top as its largest single holding, carrying an immense amount of weight in the index. Want more? VTI holds nearly 3,500 U.S. companies (including mid, small, and micro-caps). Because the fund covers the entire domestic market rather than just large caps, NVDA's concentration drops slightly, though it remains the fund's top holding at 6.70%. As others have said here, what the fuck do you want? All of those other stocks you mentioned, sans MSFT, might as well be "mom and pop grocery stores" compared to NVDA.

FreeEnergy001

VOO is a Vanguard ETF that tracks the S&P500.

DaemonTargaryen2024

\> the top 10 holdings are almost identical to the S&P 500. 1. Not the same percentages. 2. The top ten holdings are only 38% of the fund. 3. It has a 88% turnover compared to VOO’s 2.4%.

DaemonTargaryen2024

\> the top 10 holdings are almost identical to the S&P 500. 1. Not the same percentages 2. PRWAX’s top 10 holdings constitute 38.34% of the fund. 3. This fund has turnover rate of 88.4% compared to 2.4% for VOO

tomridesbikes

All my friends trying to time the market, I just keep my monthly contributions to VIBAX,VGIAX,VOO and VYM and don't worry about it.

tgaccione

People learning the hard why SPY/VOO and chill is usually the best idea long term

Top-Fig845

VOO and chill for me now

iloveu3thousand

How are they lower than VOO, isn't VOO 0.03%?

4N8NDW

Missing Out on Megacap Dominance The broad S&P 500's strong performance this year has been heavily driven by a tiny handful of the absolute largest U.S. companies (the "Magnificent Seven" and key chipmakers). Because  VOO is strictly market-cap weighted, it automatically concentrates over 30% of its entire weight into these massive momentum winners. As an "All-Cap" active fund, PRWAX's managers frequently tilt money away from these giant multi-trillion-dollar corporations into mid-cap and small-cap opportunities. That active decision to diversify away from top megacaps hurt performance as the largest stocks carried the market. [ 1,  2,  3,  4,  5] 2. High Portfolio Turnover and Lagging Stock Selection PRWAX operates with an incredibly high portfolio turnover rate of  103.8%. The fund’s management has been aggressively buying and selling positions this year to navigate shifts in inflation and interest rates. This rapid trading has resulted in poor timing, locking in losses or missing out on key rebounds. In contrast, VOO's rigid passive structure means it has barely traded at all, riding the market's upward trajectory without friction. [ 1,  2,  3,  4,  5] 3. Exposure to Hurting "Growth" Outliers While VOO balances its technology exposure with stable value sectors (like financials, industrials, and healthcare), PRWAX focuses purely on aggressive growth profiles across all market cap levels. Smaller and mid-sized growth companies have been heavily punished this year by sticky inflation and a higher-for-longer Federal Reserve interest rate policy. VOO's larger, cash-flush corporations have proven much more resilient against high borrowing costs than the growth companies PRWAX favors. [ 1,  2,  3,  4,  5] 4. Direct Institutional Fee Drag In a year where PRWAX's stock picks are already struggling, its  0.80% expense ratio compounds the damage. VOO's near-zero  0.03% fee allows it to capture the market's full upside. PRWAX immediately starts nearly 0.8% behind the index before a single stock is even bought or sold

Informal-Lime6396

1% LMAO. Can you please check your investments and back test then against something common like VOO? Make sure you're not being robbed blind. After that, open a Fidelity account and have them initiate a transfer of funds.

Autobahn97

Build an automated mechanism to invest on your own. Open an online brokerage account - Fidelity, Schwab, E\*TRADE, Robbin Hood, etc. and link a bank account to it. Then route some percentage of your paycheck to this online account and set up automated buys (at least quarterly if not monthly) of some low cost SP500 index like VOO. If you can ensure a little more risk consider putting 10-25% into a more risky low cost ETF like VGT or QQQM and hold long (decades). Don't check it all the time and never sell.

thetimmyturnip

Throw it in VOO and forget you have it.

adilmasoodkh

Whew, good thing I only put 20% of my portfolio into memory. I was always complaining about VOO, and now I'm glad I didn't sell it for more memory. I'm holding onto that DRAM for a couple of years until it tanks or hits $200.

enitselaP_eerF_

Going all in on MU, big sign on the MU subreddit… *Now my losses are over $30k, and this is the first time I have ever invested in MUU. I have never invested in MU before either. I understand that the fundamentals have not changed at all, but MUU has fallen to the 600s from the 1200s within a week. My heart is pounding because this is my life savings. Going forward, I am only going to invest in VOO, so that is not a question. Is anyone else in the same situation? What keeps you going? I would really appreciate some motivation, as I am at a very low point right now.*

NabotaMessUpMyFace

Lol, if you only knew! I didn’t even know what VOO was until a year ago, and I hate gambling! The only reason I even know about this sub is because my dad died suddenly, and of course he didn’t tell me before he died what HE was doing with his money…so I had to learn, and learn FAST. I work as a public servant, hence the Public Service Loan Forgiveness. I HATE that my coworkers have to pay more than I did for my school loans, and there is ZERO hand waving here. It’s the most unfair, messed up system imaginable, and I do NOT take it lightly whatsoever. My point was, we can do everything right and still get totally fucked, or do everything wrong and yet still get lucky. Not necessarily that I support Ferrari guy’s decision or even Kaylee buying a car if it was beyond her financial means (no idea if hers was or wasn’t actually, maybe she had a really high starting salary - I just always think about how sad it was that she only JUST got that new car before she died). There are SO many little notes on index cards I found around my dad’s apartment when he died that helped shed light on what he was thinking about right before he died…it really put things in perspective for me. He was subscribed to all these financial journals and things, and things like semis and Elon Musk were very much on his mind, yet he still panic sold his Thrift Savings to buy some stupid gold IRA thing like you see ads for on tv. He worked as a postal worker for 43 years before he retired. Since he died, I have been working to untangle the mess he left, and doing my best to make him proud by making responsible decisions to protect every penny he worked so hard for. I’m here on Wall Street Bets bc believe it or not, reading all the comments is both fascinating and oddly educational for me, someone who knew nothing about any of this stuff a year ago. I’m hardly the degenerate gambler/person drowning in consumer debt that your ire should be directed at - in fact, I drove the same 2003 Honda Accord from 2002-2025! I’m probably being overly defensive, especially for this sub, but I felt like I needed to at least explain myself…debt can absolutely ruin your life and should be managed responsibly, of course…I wasn’t trying to make light of it.

verves2

Because most people in /r/investing asking for individual stocks are new to investing and are speculating/gambling a la /r/wallstreetbets. >people like Buffett, Peter Lynch, or Jim Simons would've been told to stop wasting their time and just buy VOO No one like that is asking for advice on Reddit. Maybe if someone who has put significant time on their own and asked a question that indicated that, then some useful and insightful comments could be given. That's why the vast majority of advice it to invest in VOO.

usobeta1000

Agreed. Start with VOO (add VXUS if you want international), auto-buy every paycheck, and ignore the noise. If you still want to pick stocks later, keep it to a small "fun money" slice.

fen-q

Because most people on reddit (probably like 99%) are not good at it, hence why youll see nothing but VOO and chill. Might as well merge this sub with r/bogleheads, you're going to get scorned for suggesting that MSFT is a good buy.

WhiteLotus_1776

Pretty soon you’ll be able to change it to things like VTI and VOO ….. the SPYM is just the starting default ….. you’ll also be able to transfer it to other brokerages like Fidelity and Vanguard ….. give it a chance to get completely up and running Here’s a quote from the article tagged below: “During the growth period, funds must be invested in broad U.S. equity index funds – such as mutual funds or ETFs that track market indexes like the S&P 500 – with no leverage and annual fees and expenses capped at 0.1%. Subject to limited exceptions for cash, no other investments are permitted, including sector-specific funds.” https://www.chase.com/personal/investments/learning-and-insights/article/trump-accounts-for-kids-considerations-for-parents It all comes down to, nobody is forcing anybody to open one for their kids. If you don’t want to open one for your kids, don’t ………… 20 - 30 years from now we will see who’s doing better……… the kids of the parents who opened the accounts and fully funded them for their kids for years until they turn 18 then converted them to Roth IRA ….. or the kids of people who didn’t.

bluntspoon

Jfc. Red week is tough? What about red months? Red years? Just DCA into index funds and forget about them. You absolutely seem like someone who would panic sell and then regret it. Do yourself a favor and just put your money into VOO for the next 30 years. You are not some special flower who is smarter than the market. You do not have some special insight into things. Any success you’ve had to this point has been dumb luck. Understand that and be happier going forward with whatever broad based low cost index funds you pick.

insightful_pancake

I sell VOO today for gain OF $100. Next April, do I owe taxes on these gains if in my taxable account? How about if in my trump account?

Straight_Ad_87

Makes me itch to gamble 0dtes. But I happily parked all my money in VOO, QQQ, and SCHD last month to give my finances a breather from my degenerate gambling and I’m finally making money consistently.

declanpalmerston

I think the first question is whether you’re trying to invest in **the AI value chain** or just the companies with “AI” in the marketing material. Personally, I’d lean toward the picks-and-shovels approach. For semiconductors, I like broad funds such as **SOXX** or **SMH** because almost every AI workload ultimately depends on chips. Whether the winners are OpenAI, Anthropic, Google, or someone we haven’t heard of yet, they all need massive compute infrastructure. I’m more cautious with AI-specific ETFs. Many are actively managed, relatively expensive, and often end up holding the same mega-cap tech names you already own through an S&P 500 or Nasdaq fund. You’re paying a higher fee for exposure you may already have. If I were building a 10+ year portfolio, I’d probably allocate the majority to a semiconductor ETF and complement it with a broad market fund like VTI or VOO rather than trying to guess which AI software companies will dominate. Chips benefit regardless of who wins the AI race. One thing I’d avoid is buying an ETF just because “AI” is in the name. Always look at the holdings—many have very concentrated portfolios or simply repackage the Magnificent Seven with a higher expense ratio. Sorry for the long reply hope it helps

EEcav

Here's what you should do. Give yourself a fake $1000 to invest. Pick stocks and calculate your return using whatever criteria for stock picking you choose. Then compare how your picks do against VOO or some other S&P500 index. If your method does better than VOO for a year, then you should start investing real money using your system

itzfaint1397

guys should i just say fuck this shit and VOO and chill?

Various_Couple_764

With 7 million in VOO the yearly dividend will be about 70K a year of cash income. And since dividend income is more stable than share price. in a downtrend you are likely to still get a 70K dividend.

DarkVoid42

no. just buy VOO+VXUS 50-50.

MobiuS_360

As everyone else said buy broad ETFs like VOO, VTI, VXUS, etc. But I don't think it hurts to buy individual stocks if you believe in it and actually invest. I've invested a lot into GOOG for example because I think over the long term it will be a good investment. But 90% of my portfolio is still broad ETFs. If you don't believe in any individual stocks or you only plan to invest in them for the short term then you're better off with only ETFs.

amg-rx7

VOO and chill is probably the way for someone like you

Vast_Newt_1799

I would just invest in S&P 500(SPYM VOO etc) - top 500 companies and gets reorganized to include/remove companies World Market Fund(VT) - this is broad domestic market and also includes international stocks Dividend ETFS(do this in your roth but SCHD and DGRO) generally blue chip companies and pays a yield but also growth of roughly 10% Growth Stocks(QQQM VUG or SCHG) - stocks that are expected to outperform the market but high volatility downsides is greater but upside is the same Doesn't seem like you want to frequently monitor stocks so I would just pick ETFs that best represent your risk tolerance which is likely some combination of SPYM, SCHD, VT, and QQQM

TheRealArmament

Just VOO and chill regard you’re not the chosen one

Educational-Ad-4908

The safe route is VOO/QQQ??? You’re basically investing your entire portfolio in 8-10 stocks. At this point VOO and SPY are about 93% correlated

therealjerseytom

> for the long term (5-10 years) That is not long term. > The Safe Route: 60% VOO/QQQ, 40% high-moat individual stocks (MSFT, LLY, BRK.B) And this is absolutely not a "safe route" over that short a time frame.

CreatingCreatively

Wrong sub bro, it's only VOO & ETFS here

winterrules91

405 @ 89 avg. Btw when I say port, I mean for the account that I actively trade stocks with. Other accounts are VOO and chill.

DedRook

$T $VOO That's it. Over $500k in VOO and $165k in T

Famous-Ask1004

VOO MSFT Cash

OutspokenLurker

You need a lawyer before a financial advisor. Something like VOO is planty aggressive (and nobody will be able to show it's not prudent for kids). So that's the way part. My concern here is that you would pool things. If they are separately titled (e.g., Joe owns 104 Milton St., Newt owns 105 Milton St.) the comingling proceeds (rent, sales) or paying related expenses (taxes) is highly problematic. It's basically impossible to track and proportionately disposition everything down the line. You'd need to maintain separate accounts for every child. How are the inherites properties (or real estate interests titled)? Only if it's "joint tenant with right of survivorship" or something similar would the asset held in common and you could route cash outflows to a common/comingle account. But the person giving the property must not like you (or maybe the kids) if they did that. It sets up a scenario in 15 years where one kid realizes "hey, Newt got camps and sports fees and a car that I didn't get, so the fund is smaller than it would be otherwise." And then they come after more than half of the remainder. I'd have similar concerns if it's in trust or UGMA or whatever. The recordkeeping would include market fluctuatioms between cash flows or assignment of phantom shares or something. Total PITA compared to keeping parallel accounts.

smexypelican

Dude I love it here lol I boglehead 98% in boring stuff like VOO and VXUS and buy meme stocks with the 2% to feel something

yuiop300

Outside of regiment accounts NVDA QQQ VOO

Wilsonian_1776

That is why I choose QQQ over SPY or VOO.

learn2die101

Homie hasn't heard of VOO and chill

D_Pablo67

Come up with a split between VOO and QQQ. No one will argue against that 10 years later. If you want some pop, sprinkle in a few shares of SpaceX and NVIDIA, but keep that as a low single digit percentage.

sixjasefive

VOO, QQQ, VTI…equity is TD Synnex, for years.

ImpulsiveRabbitHoler

Amzn VOO Nvda/MU

Various_Couple_764

VOO and SPY are both the same funds both invest in the S&P500 index. so there is no reason to have both. pick one and most all your money into that fund And there is no need to have a large cap and small cap fund or a tech heavy fund. S&P 500 already has a lot of tech in it. You could invest in VTI which covered most of the US stock market and then add VXUS for international growth. OR you drop all of this and invest in VT which increase in all stocks domestic and international.

Tojuro

SPMO is 20% of SPY/VOO Pick the 20% of SPY/VOO that's high risk.... What's the riskiest 20%? Anytime you go from 500 to 100, there's definitely more risk. You definitely risk more volatility this way. Still, it's far less risk than a market specific ETF. I stand by my statement that any random 20% of the S&P500 is low risk. That goes for any 20% of it, and especially the best performing 20% (over the last 6 months).

Cloud2987

VOO, QQQM, and SGOV… last holding is 5% IBIT. I’m boring

rndname

Top mentions aggregated from this post: 1. MU 1. GOOGL 1. NVDA 1. RKLB 1. AMD 1. MSFT 1. ASTS 1. NBIS 1. RDDT 1. VOO

Sihtegroftnod

Jk, SLS, DRAM, VOO….watching DISK and LASR

trix_is_for_kids

VFIAX (VOO but a mutual fund) half my port GOOG AMZN

ccgogo123

VOO VT PL <- i didn’t expect almost five times my cost basis in a year

DoinIt4DaShorteez

The only thing I would say is that if there's an ETF that matches or is close enough to the mutual fund, go with the ETF, if only for the fact that you can trade it during market hours. Mutual funds get priced at the end of the day after the close. If you put in a buy or sell order in the middle of the day, it doesn't get executed until after the market's closed. As for Roth vs other types of accounts, there can be reasons to put certain types of stocks in a Roth (or other retirement-type account) instead of a regular brokerage account, but spcifically when it comes to aggressiveness or your investment mix, personally I wouldn't use different types of account to segregate growth vs income. There's nothing wrong with just having SPY and/or VOO plus maybe some QQQ until you get close to/in retirement at which point you want to get a little more defensive.

Better_Passage2581

Sell and put it into VOO and forget about it again.

D_Pablo67

Target dated funds are designed to generate fees. Investing is best done as a steady patient habit. Create a budget with the amount you want to save and buy a broad based index fund every two weeks. Start with Vanguard’s S&P 500 ETF VOO for your first $10,000. Then half VOO and half QQQ NASDAQ 100 for the next $10,000. Then keep going or look for some individual stocks. If you are looking for stability and dividends, companies like Johnson & Johnson, Procter and Gamble and Medtronic. If looking for growth and can tolerate high volatility, SpaceX, NVIDIA, Micron, etc. Build the base in VOO and QQQ first for stable long term growth with less volatility than individual stocks, then fill in with stocks that meet your goals.

kosmokramr

For retirement VOO. For high risk high reward Marvell

hooper610

Look at Microsoft from 2000 to 2012 or Cisco from 2000 to 2026. We didn’t have VOO back then either. Everyone was in individual stocks. Shit didn’t come roaring back.

hidden-daddy

I think I probably should put some international in there. I’m probably only gonna do 10 or 15% if I do. I was researching the S&P 500 yesterday and saw that it’s like the top seven companies that’s holding are pretty tech heavy from what I saw. I just see a lot of people in here. A lot of people say VTI and chill or only invest in VOO and just other ideas that are really simple which I love I just don’t know if it’s the right thing to do or not. I do understand that it’s lots of companies being invested in within an allocated fund, but I just want to be sure.

Necessary-Dog-7245

Economy slows down. Maybe a bubble pops, maybe there is political stuff, maybe your banking system sold a ton of financial products that were backed by mortgages that may not have been as good as reported. Doesn’t really matter, the economy slows down. The feds biggest lever to pull is interest rates. They lower interest rates to get companies to borrow more and presumably invest that money in a new factory (or whatever it is that makes them money). If you were holding a bond with an effective interest rate of 5% and now the cost of borrowing is 2%, you probably have some regret. Your bond is still making you money and you’re still getting 5%. Hopefully stocks go up, but they may be losing value. Sure your bond lost value, but not like VOO.

Major-Pin5871

Pure gambling and you came so close to losing it all. Bail out and invest in VOO

Possible-Lock181

VOO/AVUV/VXUS Some stocks that are valued based on their dividend yield like EQIX & OHI are good too right now. Take advantage of the tax free

TreGet234

I don't think blindly being in VOO is the best move. But buying high beta stuff at the top isn't either. Also fuck metals.

cloud_cafe

Some of you lost YTD against VOO and it shows

sparkle_and_twist

VT , VTI, or VOO. Pick one and dump money into it repeatedly

Noticeably98

Finally acquired 100 shares of VOO (about 1/3rd of my ‘folio). Going to sell my first covered call late Monday, so you’re all welcome for sending SPY to ATH

D_Pablo67

Investing is best done as a steady patient habit on a schedule. Start with a fixed amount every two weeks into Vanguard’s S&P 500 ETF ticker VOO. Once you get over $10,000, look at adding NASDAQ 100 QQQ or a high growth individual stock like NVIDIA or SpaceX you plan to own over multiple years. There are many right answers, but the foundation is investing on a schedule and starting with the S&P 500.

DoinIt4DaShorteez

Put SPMO and VOO both on the same 5 or 10 year chart. You'll see they diverge starting at the end of 2023 and SPMO significantly outperformed. SPMO inception date is 2015, so most of the time it's been open, it tracked pretty closely with VOO. So y'know, you're betting on the market we've had the last couple of years continuing. Although I suppose at worst, SPMO should perform at least as well as VOO. There could be some mean reversion and some really painful periods along the way though. Personally, I don't really see the logic in having different "centricities" in different types of account at least as far as aggressiveness.

saryiahan

None, VOO and chill

Sloffie1960

20% VOO 20%VTI 20% VIG then with the remaining 20% pick 3 speculation stocks.

ucsbaway

Dude just stop using contracts. Buy stocks. Good stocks. Your money won’t triple instantly but it also won’t go to go poof. Or buy VOO and chill.

Gristle__McThornbody

West coast trader here just woke up. How come my 0dte VOO calls not going through.

KMPItXHnKKItZ

A dividend is cash in your hand without having to sell shares and in a dividend growth stock like SCHD, it grows your investment even more without you having to buy more shares with your own cash every time. Growth funds like VOO pay dividends too. When bill time comes and you need cash to pay the bill, would you sell a growth fund to pay for it? Or would you rather turn DRIP off once and pay it with your dividend while your shares remain intact? I know which I would rather do. I do not think that 100% growth investors understand that in times when the market is down, and when you are not yet ready to sell otherwise, it is very attractive to have high dividends that you can use to pay for things or get cash flow while keeping your shares intact instead of having to sell your growth while the market is down. I assume that you are aware that the most solid companies keep paying dividends out even in bear markets because the whole point of dividends from a company's point of view is to keep investor confidence in the company and to attract investors even in bad times. And if you are one of those people that believes in the 4% withdrawal rule for growth funds, know that the guy that came up with that nonsense abandoned his own advice and left the market in 2022 when it went bear. I invest a lot of money in both growth and dividends, so I understand both perspectives and having both compliments each other, but of course not everyone can afford to invest meaningful amounts in more than one strategy, so for most working class people 100% growth is the best.

AndyShootsAndScores

Let me explain what I mean better. Look at the period Dec 31 2021 - Dec 31 2022, when S&P 500 had a major downturn. Let's compare returns of buying VOO vs BND vs a 52-week t-bill purchased in late Dec 2021 over the course of the year, accounting for dividends: VOO: **-18.06%** BND: **-13.144%** 52-week T-Bill: **+0.36%** I understand that you'd want to reinvest the T-bill in something after it matures (maybe buying either of the other funds at a comparative discount?). But after that year of time, to my eyes, holding BND wasn't really a hedge at all against an equity downturn compared to holding a T-Bill, or any other kind of guaranteed interest.

mythrilcrafter

All-World and VOO/SWPPX I won't be infinitely wealthy for not betting options on individual stocks for the recovery; but market-wide ETFs are still an easy way to fire-and-forget and come out well-off in the end/long term.

DudelolOk

What are you invested in? Volatility should be relatively small with a diversified portfolio. If you are struggling with the volatility now, maybe a good sign to reconsider your risk tolerance. Personally im 50% invested in VOO and VXUS, have 35% in mega cap stocks and 15% in smaller companies.

liltmy

There are much safer options than something like DRAM + if you look at its one month chart you can see that it’s dropped down $10 before so u shouldn’t be too concerned. I’m not sure if you’re aiming to hold long term or you’re just figuring out, but look into safer options like XEQT, VOO, VFV etc for long term hold/gains.

JediJofis

I just tried jumping on the AI bandwagon this week. Just taking my slight losses and going completely back to VOO

BradBrady

I’d start building in November and it would be ready summer of 2027 I don’t really wanna touch my individual stocks but you think selling VOO now or later on would be better?

No-Avocado9603

That much money in VOO pre-tax will generate 185K at 10%, every year the market goes up, you’ll be set anon. Or you could let it grow for even 7-9 years and at average returns walk away with 4.5mm, or 10mm with another few years. Don’t gamble it away anon K plead! I beg!

No-Avocado9603

Sell it all anon, sell it and put it in VOO or something, anything, don’t end up like so many before you

Inviction_

What do you SPY and VOO are nearly identical. What do you mean start with one then do the other? Besides SPYM has the lowest expense ratio

Living-Royal-1961

I stopped with my ROTH IRA when I decided to stay in the Army instead of get out. In three years I will get 50% of Lieutenant Colonel pay then any disability from three deployments to AFG and getting a Purple Heart. I buy a share of VOO a month then a share of LMT, PLTR, and NVDA. Then I also have 7500 shares of HUMA that are busting my balls right now. The science is great already have FDA approval but slow sales for the first product. Hopefully dialysis approval gets it moving back in the right direction. 

BradBrady

I’m trying to build a house by the end of the year and wondering what you all recommend I’m putting 20% down and trying to decide if I need to sell some of my Roth or VOO in brokerage. Whatever I sell it would be for 20k. I would then have enough for the down payment and everything from here on out would be put into my HYSA. Can yall help me decide?

Last_Review_9568

You can't argue with people who're incapable of looking up the chart for VOO for the past 10+ years.

Tis_But_A_Scratch___

Wow what a reversal. VOO going up, all the MAG going back down

Apple2o

Gambling in VOO instead of being in safe havens like WEN

Ok-Barracuda39

Could possibly be easier to buy ETF's of corn in 401Ks and other retirement accounts over actual BTC. I haven't checked mine though. I just allocate into VOO and SPY. \*shrug\*

InvestingNerd2020

Also, why are you talking about individual stock picking? That is horrible to tell investors, especially new ones. Too much volatility and too much technical information for them to process right out of the gate. Broad funds, Index mutual funds or index ETFS, are more stable and produce reliable growth over the long-term (10+years holding). VOO, VTI, or similar broad funds outperform individual stock pickers most of the time over a 10-year period with far less stress and time needed to research. Multiple studies have been done on this.

InvestingNerd2020

Incorrect. 2 people mentioned VOO, and one of those 2 mentioned VTI.

Forward-Surprise1192

One person said VOO and that’s it lol. This sub really is the blind leading the blind

Disheveled_Politico

Generally you aren’t going to beat the SP500 as a retail investor. You’re trading against people who do it professionally, algorithm trading, and you generally know less than the market.  At least for me personally, I put more into my account if I’m actively managing some of it. So I put a lot into VOO and VT because that’s objectively smarter. I put a smaller amount into Google and Amazon because they’re going nowhere and are great companies. And then yeah, I bought Take Two (the GTA stock) and the biotech stock SLS that’s been ascendent, and a couple of things that I think are going to happen.  But, the market knows that those stocks have potential. That’s already baked into the price. If GTA 6 gets delayed or the initial reviews aren’t stellar or whatever, the price will drop and if they can’t monetize it as well as predicted, it will drop, because it’s already predicted to be wildly successful.  And look, a lot of stocks still go up over time. Take Two (for example) would have beaten the SP500-based VOO over the last 10 years, but would have been beaten badly just over the last 5. You’re taking on a much greater risk even with companies that keep growing, because they might not grow as fast as the rest of the market and it’s impossible to time. And whereas if a company as part of an ETF drops, you’re somewhat protected by rebalancing, but if that’s your stock you either sell at a loss or lose years of compounding as you wait for it to rebound. 

SheriffBartholomew

Idk why people are downvoting you for a question that people here usually love answering. At a minimum put it in a HYSA. Realistically the safest hands-off plan is to put like 20% of your earnings into an index fund and leave it there. VOO, VTI, or whatever. Good luck!

ixvst01

Depends on the number of outstanding shares, market cap, volume of trading on a given day. For large ETFs with high daily volumes like VOO or QQQ, you could probably put it a buy/sell order in the tens of millions before meaningfully affecting the bid/ask price. For low volume ETFs or penny stocks, a buy/sell order of $10,000 could struggle to get filled and that would push the bid/ask up or down, hence moving the stock.

MattieShoes

You can go to, say, yahoo charts, and look at GSPC, plot it against VOO. Seems like an artifact of closing/opening. prices dropped sharply right at closing so VOO likely underperformed by about the same amount yesterday, all in the last minute or two of trading.

fudge_mokey

Sure, the weights are the same, but how many people trade options on VOO compared to SPY? I think there is some value in having it correspond directly to 1/10th of the index.

Downtown_Anxiety_466

Invest in yourself. It will compound knowledge and your value. Something no one can take from you! If you want start a small part into something like VOO or similar.