Reddit Posts
Sp500 - 100 years of changes - how significant is the mega ipo changes?
Sp500 - 100 years of changes - how significant is the mega ipo changes?
80k to invest + no debt how would you invest it?
Is anyone actually selling VOO or QQQ over Space X concerns?
$KIDZ - Will this take off?
Should I change from an Investment Account to a IRA?
What is the best strategy to allocate and optimize a 100K investment?
21 year old college student with $10k saved, what would you do in my spot?
Vote against S&P changing rules to fast track IPOs into the S&P 500 indexes(SPY, VOO) - (Deadline TOMORROW, May 28)
Automated investing for retirement accounts (fidelity/schwab) vs picking your own distributions. The good vs the bad. Discuss
Built my first Roth IRA portfolio in my 20's - here's my 6 ETF allocation and the reasoning behind each pick
Do you keep growth stocks in retirement accounts and dividends in taxable?
For parabolic gains DO NOT read this. It's just a Samaritan text for thise in despair.
Forbparabolic gains DO NOT follownthese advices.
If I want to generate the most money from my traditional & roth IRA accounts - where should I "park" it for the next 20 years?
MAG7 is outperforming all the hype stocks posted about constantly, why do people not learn, holds true for last 40+ years
Little less than 3 months in and I think I’m doing well
the s&p 500 vs equal weight spread just hit 13.8%. it's only been this wide twice before
Anyone here actually outperforming just buying VOO long-term after taxes, stress, and time?
Choosing VTI over VOO has cost me about $44,000.00 over the past 6 years
Small business owner here, looking for investing advice from people further ahead than me
18 year old who just started - any advice would be appreciated! I don’t know how to diversify properly.
Sell some Intel to take a larger position in SLS? I’m OKAY with the greed, but I’m not sure my logic is sound.
Hold Intel vs buying more SLS . I’m leaning greed, but have I’m not sure about my logic.
Investing my first $250.. Is this a good profolio for buying and holding?
The more you learn investing, the more you realize there’s not much to optimize beyond saving more, staying invested, and avoiding mistakes
20 y/o F looking for advice for my portfolio
Is the stock market becoming more & more volatile?
Why do people who just buy index funds call themselves investors? You set up an auto deposit once. My grandmother does the same thing with her savings account.
Is Wall Street Bets a legitimate strategy what should I buy besides VOO ?
Late starter..has that tech ship already sailed? Amd, MSFT, VOO?
Hit $100K… But It Came With More Risk Than I’d Recommend
After about 7 years of losing money from options and meme stocks /coins, I'm finally back in the positive.
If someone is worth one million dollars, how much $VOO and $VTI should they own? What if they're worth *two* million; how much then?
If you had $7.5k to invest tomorrow, what would you do in this current market?
What’s your opinion on selling All Tech Heavy Stocks soon and moving to SP500 $VOO?
Took my whole IRA out of VOO yesterday and bought AMD and NOK calls. Am I dumb? Probably.
Should I get out of SPY and move it to a better long term index?
Do automatic 401k contributions affect markets?
My tech-heavy portfolio is up across the board, TQQQ leading the way
Do you think tech will outperform the market over the next 30+ years
Reddit Ticker Mentions MAY.04.2026 - $NVDA, $AMD, $SOUN, $MSFT, $SNDK, $SPY, $VOO, $XRX, $RDDT
I have 358k of VOO at 44. Ive played around with several calculators to see what it can be worth at 74.
I am at a crossroad in my mid 20s of what I should do, I'd be very appreciative for some advice
Mentions
Not a financial expert in anyway. But, it depends on your preferred markets? I’m diversified but not wildly: - Tech: MSFT, AAPL, AMZ, AMD, MU and RDDT as a more wild yet optimistic pick. - Healthcare: MDLN - Necessity: VTI/VOO (DCA whenever you can)
VXUS would beat VOO for about a decade starting 1985-86, if the ETFs went that far back. https://www.bourbonfm.com/sites/default/files/users/PatrickBourbon/US%20vs%20international%20performance.png >but is the idea here that voo historically outperforms, not necessarily.
In theory, sure. In reality? GME isn’t a great growth option. They’ve been on a turnaround path for a while now, with several profitable quarters, but let’s take a look at the stock performance: 1 month: -12.5% 3 months: -7% 1 year: -28% 5 years: -62% I understand the squeeze is impacting the 5 year view, so that’s a bit screwy, but you could’ve invested your money in so many other companies, or hell, keep it safe with VOO or VTI, and you’d have made SO much more money. GameStop is a good company with strong fundamentals, but not a great option if you’re looking for the best path to growth in the stock market.
No it’s not and hasn’t been for a while. Look at Dow and Nasdaq and VOO and spy for the year. Now… look at btc. No one fucking cares and hasn’t for a while.
2-5 years isn't long term investing. To actual long term investors, it sounds like you want to "bet the rent money," since you expect it to still be there in 2-5 years and to then use it for something else. Real investing doesn't work that way. A low-expense S&P 500 ETF such as Vanguard's VOO (4 star rating from Morningstar) would be a good choice for growth, but with that comes a reasonable chance of losses. In 2 years, expect somewhere between a gain of 30%+ on the up side to a loss of 20% or more on the down side. It grew by about 30% in the past year. In 10 years on the other hand, historically one can expect to come out ahead even if buying at an inopportune time. A step DOWN in risk is the *Fidelity All-in-One Growth ETF* FGRO, which is rated 5 stars by Morningstar. It includes a mix of fixed income and equities so it provides more protection against a stock market crash. It grew about 20% in the past year. A further step DOWN in risk is the *Fidelity Multi-Asset Income Fund,* FMSDX. If you're very afraid of losing money and don't care as much about the opportunity for big gains, this should be a good choice. It grew about 25% in the past year. Of course I'm not your financial advisor; do your own research and/or discuss these and other options with a professional, but these are some of my own top choices. I'm more comfortable with market risk than many people and I want to generate some growth with my investments, otherwise why bother? But each of us has to find our own comfort zone.
> Just be aware that if you do something like this the Church of VOO and Chill will brand you as a MARKET TIMER. Perhaps even a HERETIC. Wow, you must be really brave!
Just Buy XEQT 🙏 I have some of this and VOO personally even though I know there is overlap in what they own asset wise, I'm up and that's all that matters in the end.
You're in a better spot than you think. That $4k/mo pension covers baseline living expenses, so you actually have more risk capacity than most people your age. Here's what I'd do: 1) Set aside 6 months of MA rent in a HYSA (~$18-24k) as your emergency fund 2) Max the Roth IRA for this year and next ($14k total) — all in VTI or VOO 3) Pay off the truck ($9k) — frees up that payment every month 4) Put the remaining ~$120k in a taxable brokerage, mostly VTI with maybe 20% in VXUS for diversification The pension means you can afford to be aggressive with the stock allocation since you've already got a bond-like income stream. Don't overthink it — lump sum into broad indexes and let time do the work.
yeah I need to stop I do not have experience needsd to do this shit I just got too much FOMO and I couldn’t seem to control mtsekf I need to buy VOO or something
2 cents from an investor with just enough wits to trust what everyone else says is a no brainer: I started seriously buying individual stocks last year and I’m up like 20-100% on the tech stocks I own (NVDIA, GOOGL, AMZN, VOO) All those stocks were basically all time highs or dipped from all time highs when I bought. I’m too scared to keep investing at the new all time highs. Sentiment says all these stocks are still a no brainer but it feels like slightly less of a no brainer now with the negative AI news coming out. TLDR: not enough money invested to get rich. But I did make money and yeah any moron could have done it.
Congrats. You are down 2% while VOO is up 10% YTD
Drop it in VOO and forget about it. If you think the economy is heading for hard times for a duration, consider DCAing instead.
Dude just buy VOO and forget about it for a while
Very dramatic opinion…..but shift positions right now, realize the meme losse, and rebalance the rest to 1/3 SMH 1/3 VOO 1/3 QQQ or full port SMH and say f it 👀
I know the feeling. I was sitting on cash for months watching the market climb and second-guessing every move. What helped me was not trying to guess the top or bottom. I just started selling weekly puts on ES futures through PutYield's system. It lets me put that cash to work without worrying about buying at the exact right moment. The trades only happen when the trend is up, so I'm not taking big risks during uncertain times. You could also just dollar-cost average into something simple like VOO over the next 6 months. That way you're not betting everything on one day. Either way, sitting in cash forever hurts more than a small pullback would.
I think EPS will accomplish what you want. It is like the SP500 with a filter on earnings, and that filter requires a years worth of data. It is lagging SPY and it would be interesting to dig into why, but it tracks very closely. So if the new rules are going to impact SPY/VOO negatively, EPS should be insulated. Worth further research.
Needs to be 75% VOO and 25% whatever this retard wants to do
It currently has uses and works to the point where it can realistically replace certain job roles entirely/partially, but the expectations are still euphoric and over-investment kills. Things work, but the trade is so crowded I'm just not adding chips or AI anything right now until things cool off. VOO only
$135 to $250 real quick right? i need to sell more VOO
If I just VOO and chilled the past 5 years I'd be up huge. Instead im down 8k
I’m just gonna VOO and chill
Owning this stock is enough diversification for me. Industry leaders in multiple sectors and a big player in the AI race. Common strategy for many investors is VOO and chill, Id rather GOOGL and chill
Sold some of my VOO shares in my Roth IRA to buy more LFVN ;) let’s get it boys
SP500 is not an index fund. It’s an index managed by independent index providers (like S&P Dow Jones Indices). The brokerages (like vanguard) create funds (like VOO) and balance their funds to mirror the index. If there’s enough demand, we may see brokerages create new funds to mirror the old index inclusion rules or different fund inclusion rules altogether. Brokerages, or any company with enough money to cover custodial minimums and setup costs, can create ETFs with whatever inclusion rules they want.
Take your gains and invest in VOO. You got lucky during a huge market rally, but volatile stocks can easily swing the other way.
Holy fucking shit, im also 20M and the first thing i did with my 10k gift from my grandparents was put 3k into VOO 3k into QQQ and then rest into IBM and MSFT. Haven't even applied for options
$10,000 is enough to get rich from investing. The part nobody likes hearing is that it usually takes time, not a lucky stock pick. If I were in your shoes, I'd focus on owning great businesses and adding money whenever I could. Microsoft, Nvidia, Visa, Google, Costco... the biggest winners are often companies everyone already knows, but they keep compounding for decades. For ETFs, VOO is a great starting point. I've also spent time looking at MPLY because the idea is interesting. Instead of trying to predict the next hot company, it focuses on businesses that already dominate their industries and have strong competitive advantages. My advice: spend less time asking "what's the next big winner?" and more time learning why certain companies stay winners for 10, 20, or 30 years. That lesson is worth far more than your first $10,000.
VOO is 6.5% google and SMH doesn't hold it, and not sure of your existing allocation but IMO no. After taxes, google would need to outperform SMH by at least 25% (assuming long-term capital gains tax of 20% on SMH) before you were back to even. SMH is +156% YoY whereas GOOGL is +116%
Adding mostly VOO and QQQM today because I’m boring when the market gets weird. I’ve learned the hard way that trying to outsmart every headline usually ends with me donating money to someone smarter than me. Also started a small position in MPLY. Not a YOLO, not my biggest holding, just an idea I find interesting. The logic is pretty simple. A lot of people spend all day looking for the next big winner, but a huge amount of stock market wealth has come from companies that already dominate their industries and have for years. The businesses with pricing power, network effects, strong brands, and barriers to entry tend to keep winning longer than most people expect. MPLY is basically built around that concept. Whether it's Visa, Microsoft, Google, Nvidia, or other dominant businesses, I'd rather own companies that can raise prices and still keep customers than constantly chase whatever story is trending this week. The idea of owning a basket of companies that have already built economic fortresses around themselves makes a lot more sense to me than buying the latest hot stock because some guy on YouTube put rocket emojis in the thumbnail. So my portfolio is basically boring index funds for the foundation and a little MPLY because I think monopolies and oligopolies have been some of the best investments in history.
I mean, I’m done gambling till Monday on options, but holding 3k in VOO 2k in QQQ we’ll see what happens regardless
stop it and get some help bro you are so lucky its insane. pay your mom back, credit card, and maybe use $1k of all of this to play around with, the rest just put into VOO bro. get your income up instead if you want to make money. Trading like this rarely actually gets you rich.
If I have VOO and SMH is it worth selling part of my SMH and move some into Google?
the biggest mistake beginners make when they are interested in tech and commodities is going all-in on individual names and getting wiped out by volatility. i keep the vast majority of my money parked safely in broad market index funds like VOO and dividend growth stocks
> If Vanguard's VOO is forced to buy billions of dollars of SpaceX to match its massive valuation, but only a tiny sliver of shares actually exists on the open market did you write this with AI? because the immediately prior paragraph is about how everything is float-adjusted VOO and VTI already have defenses against tiny floats
There is a universe out there. You might start with looking at funds from Dimensional Fund Advisors and Research Affiliates, but they are not the only ones trying to bring some discipline to index investing without going into active management. In my case, and I offer this only as an example and not a recommendation, last August I swapped from a simple large cap index fund to FNDX. Just be aware that if you do something like this the *Church of VOO and Chill* will brand you as a MARKET TIMER. Perhaps even a HERETIC.
if you buy and hold you make money. its that simple VOO FXAIX. 10-20 years is going to make money
Also a disclaimer I hold zero Figma im more of a hold VOO and chill type
Short term being 1-3 years. I don’t think this memory demand is here to stay permanently but it’d be stupid to not at least put some money into it while it’s hot. It’s just not a “set it and forget it” long term play like VOO is, so I consider it shorter term to line up with market trends
think of all the boomers and basic people that just throw into VOO for years, they are on that train that's miles away
think of all the boomers and basic people that just throw into VOO for years, they are on that train that's miles away
QQQ is the most volatile of the three, so if you are risk adverse I would go with SPY or VOO.
> I’m a little hesitant to invest the 66k in like SPY/QQQ/VOO when markets are at ATH’s ...but were you not already invested in them before this rollover?
So you're basically only profitting off inclusion into the larger indexes. There's zero company profitability. Here I thought VOO was invinsible, but literally all of America about to baghold this one.
VOO is up like 30% this year, anyone that has money in there is making bank. If you don't have money there then the train has left and you are broke af now.
Yeah make sure a majority of ur shit is in VOO. I was done like 12% until recently and I was up 4% yesterday from just throwing more money into VOO and EOSE.
QQQ down less than VOO means what
Being desperate and attempting to rush things will get you burnt. Like the person dumping their wages into a lottery machine attempting to make rent… Maybe put it all in VOO or VT while you figure out a sensible plan ? You’d of been singing already if you did that before instead on sitting on cash — looking at charts and getting FOMO is some GME bag holder mentality.
Just put it in VOO slowly over time and relax. Why are you trying to be a stock picker
S&P has a lot of exposure to tech already may want to sprinkle in a little international total stock market ETF, and split your bulk position between S&P, Nasdaq ETF, and maybe some individual tech stocks. If you’re young you can weather the storm. Maybe 50% S&P (VOO) 20% NASDAQ (QQQM) 20% International (VXUS) 10% individual stocks.
Since you’re new to the market, I’d also recommend what another commenter said and open a Roth IRA. Every major broker has one from Robinhood to Schwab. You won’t pay taxes on anything unless you withdraw money from it and you can contribute 7.5k/yr. Keep it safe and do a split of SPY/VTI/VOO and maybe ~10% in high growth sectors like Space, AI, and other Tech stocks. Almost everything has an ETF associated with it, but with a small percentage of the account, I’d say pick individual names with that allocation of funds. As you learn more about the market, I feel you can be a bit more aggressive and park money in individual names like META, MRVL, GOOGL, etc. also as you become more interested, I’d say you’d also be safe to invest in names you use everyday or companies you truly believe in. A huge tip I learned early on is “time in the market beats timing the market.” Just stay informed on what you’re investing in, make your contributions, and don’t let red days scare you (those are the best days to buy). Good luck!
FTEC.. consistently outperforms VOO. Though I'd probably wait for a dip to buy.
honestly with $10k as a student..... VOO or QQQ and just leave it alone for years..... the market trend chasing is where most beginners lose money early on the getting rich part is real but it's slow..... consistency beats stock picking almost every time.....
What lmao. People who are investing in fundamentally good companies with great balance sheets. People investing into companies turning record profits. In fact you could of literally bought VOO or SPY a month ago and you would be up. Pretty much the entire tech sector has been running for 6 months straight
VOO tracks the S&P 500, which has specific inclusion rules like a 12-month seasoning period and four quarters of profitability. Because SpaceX will likely not meet these initially, S&P 500 funds are expected to absorb the stock roughly 6 to 12 months after its public debut. By contrast, total market funds tracking the CRSP US Total Market Index (like VTI) and FTSE indices will likely add the stock within just days of its IPO
VOO is definitely higher risk but historically higher reward since it's all US large caps. VXUS adds diversification but drags returns in strong US markets. Depends on your time horizon tbh. If you're young, go heavier on VOO. If you want sleep-well-at-night stability, add VXUS. Simple as that.
Had a similar response. Mostly VOO, and some other ETFS, maybe a stock or two.. I would go VOO SMH QQQ and a pick or two on individual holdings. DRAM is a little too out there for a 5k portfolio, and high expense ratio. I have passed on it even with a larger portfolio as it is too easy to just buy the stocks it contains, minus sk hynix.
I would recommend $3k or so in S&P 500 VOO. and with the remaining could do maybe $1500+ in VGT, QQQ, SMH, and $250-500 in individual stocks that you beleive in.
At 28 skip SCHD. Do 70% VOO and 30% QQQM. You don't need dividends yet.
VOO alone wins on returns. VXUS adds safety if US crashes. Choose your priority.
Previously yes VOO has been higher... Going forward no one really knows
VXUS has crashed alongside the US market many times. It also did worse during 2008 than VOO IIRC. It would depend on your goals of growth and how conservative you are that would determine the level of diversification you’d want. More concentration = more risk, usually better reward. More diversification = less risk, less reward.
VOO and QQQ are both based on float (QQQ 3x float) and SpaceX will only have around 5% float available. It’s literally a nonissue.
ETFs for sure. I just turned 18 and started recently and I definitely would not invest in individual stocks. It is hard. Very hard. I was very silly and have a very bad gambling addiction so I got burnt very hard very fast. It does not feel good seeing yourself down 10-20 percent. Personally if you’re a tech guy, maybe think about going with QQQM? QQQ is effectively the same ETF but it has a higher expense ratio and trade volume. Since you’re buying and holding go with QQQM. It tracks the NASAQ 100 which is very heavy. Or just VOO and chill. That works. Do research on ETFs. See the reasons why there’s a handful of ETFs that are so highly regarded by everyone. Spoiler: it’s because they track benchmarks and/or some sort of broad market as a whole. Obviously don’t trust a kid younger than you for financial advice but I think I’m parroting the general consensus amongst responsible investors. Personally I’m in VOO, AVUV, and a bit in DRAM. I sold most of my position in the last one though and that one is just for funsies.
3K VOO (sp500 etf), 1k DRAM (memory etf), 1K SMH (semiconductor etf)
VTI that fast is actually interesting. Didn’t expect that timeline tbh. VOO taking months feels slow though. lol
Congrats on saving up 5k as a 19 year old, that is huge. In my opinion, the best thing anyone can do while they are still learning, is just invest into a single ETF. You said your interests are tech related, so maybe something like QQQM, that is a bit more tech tilted than something like VOO, the one I would recommend. The reason for this is twofold. For one, individual stock picking is more complicated than vibes. “I feel I like company X, I buy company X.” For two, quite frankly, the amount of time one spends researching individual stocks is not going to be reflected in worthwhile positive gains, for a $5k portfolio. For example, Let’s say you beat the market by %10. 10% of 5k is $500. That’s a $500 alpha over the QQQM. That’s a big win. It may not look like it in this market, but you would have a blank check salary ahead of you if you can consistently beat the market by 10%. But how many hours of research did one spend to get that? More than 10 hours? 20 hours? It is time that would have been better spent on anything else. Which is to say, look up paper trading, have fun learning about the market in a paper account, but keep your real money in an ETF. I recommend QQQM for someone at your age with your interests, without taking into consideration of your goals or risk tolerances, which are probably just, grow it and don’t lose it.
The news does not change my investment strategy. The majority of my investments go into VOO with some in a small cap fund and some in international.
Just do VOO and forget individual stocks
🏢 What is SPY? SPDR S&P 500 ETF Trust is an ETF that tracks the performance of the S&P 500, which contains roughly 500 of the largest publicly traded U.S. companies. It was launched in 1993 and is one of the most heavily traded ETFs in the world. Think of it as buying a slice of America's biggest businesses in one trade. 🇺🇸 💪 Bull Case 1️⃣ Own the Best U.S. Companies Top holdings include: NVIDIA Apple Microsoft Amazon Meta Platforms These mega-cap companies drive a large portion of U.S. corporate profits. 2️⃣ Diversification 🎯 Instead of betting on one stock, you get exposure to ~500 companies across technology, healthcare, finance, industrials, consumer goods, and more. 3️⃣ Extremely Liquid 💧 SPY is arguably the most liquid ETF on Earth, making it popular with both long-term investors and traders. Tight bid-ask spreads help reduce trading costs. 4️⃣ Long-Term Track Record 📈 Historically, the S&P 500 has compounded wealth over decades through earnings growth, innovation, and reinvested dividends. ⚠️ Bear Case 1️⃣ Concentration Risk Although SPY owns ~500 stocks, a handful of mega-cap tech names represent a large chunk of the fund. If those companies stumble, SPY can feel it. 2️⃣ Valuation Concerns 💸 The index currently trades at elevated earnings multiples relative to historical averages, meaning future returns could be lower if earnings growth slows. 3️⃣ U.S.-Only Exposure 🌎 SPY doesn't provide meaningful international diversification. If foreign markets outperform the U.S., SPY won't capture much of that upside. 4️⃣ Market Risk 📉 If the U.S. economy enters a recession, SPY will likely decline along with the broader stock market. 🔍 SPY vs. VOO Metric SPY VOO Tracks S&P 500 ✅ ✅ Liquidity ⭐⭐⭐⭐⭐ ⭐⭐⭐⭐ Expense Ratio ~0.0945% ~0.03% Best For Traders & options Long-term investors VOO is generally cheaper for buy-and-hold investors, while SPY dominates for trading volume and options activity. 📊 Key Stats 💰 Assets: Over $750B AUM 📉 Expense Ratio: 0.0945% 🏢 Holdings: ~503 companies 🎂 Inception: 1993 💵 Dividend Yield: Around 1% recently (varies over time) 🚀 Verdict 🟢 For long-term investors: SPY remains one of the simplest and most reliable ways to bet on the U.S. economy and large-cap corporate America. 🟡 Risks to watch: AI/tech concentration High valuations Recession risk Interest-rate changes ⭐ DD Score Business Quality: ⭐⭐⭐⭐⭐ Diversification: ⭐⭐⭐⭐☆ Valuation: ⭐⭐⭐☆☆ Liquidity: ⭐⭐⭐⭐⭐ Long-Term Investment Case: ⭐⭐⭐⭐⭐ Overall: 8.8/10 📈 SPY is not designed to beat the market—it is the market. For many investors, that's exactly the point. 💼🇺🇸
Just buy VOO and never return to this sub
I manage our household finances as a whole, roughly in a barbell strategy. My wife is the safe side of the barbell - almost entirely in VOO (50.5k) and SCHD (44.5k), with meaningful but not significant amounts in RSP (6.3k) and VXUS (12.5k). She also has a single share of Costco and I don't remember why Earlier this year I repositioned my VOO into BRK.B (47k), RSP (5k), AVUV (4.7k), and GLDM (3.3k) to reduce my exposure to megacaps and introduce some conservatism. Today I added a 8.5k leveraged position in GOOG, I already have a large position (57k) which is up 80% or so. Let your winners win, yknow. I have speculative options plays in NKE (1.5k) and USO (0.6k) I have 23.6k in SGOV to act as dry powder to be invested per my IPS, either into NKE depending on pre-defined quantitative benchmarks from their SEC filings or otherwise standby for other potential plays that look appealing and pass a DCF analysis All in all, I'm running her side as a typical "Index fund and chill" and my side as a concentrated bet on Google with the BRK.B investment acting as a "buy the dip" or "value investing" proxy. My thinking there is "they have an insane amounts of cash and a framework of value investing that I learn from, why try and do it better than them if they're the ones who have all the cash if a crash happens." It's me attempting to recognize that if a crash happens, I'm not likely to outperform their value investments My thesis for Google is that they own the entire vertical in the AI space, have the distribution network setup, and they're also my quantum computing exposure which I'm very bullish on
Either add some stop loss orders to manage your downside risk or take some profits and redirect to something like VOO or your preferred ETF
Greetings, I'm a 23 yo truck driver based out of California (Over the Road so I won't be paying rent) saving for a house in a LCOL state such as Nebraska or North Dakota and want some advice on what would be the better route for my timetable. I currently bank with Fidelity and have SPAXX as my core position. Have been debating whether to keep it there or let things like VOO work their magic? Or maybe put it in a HYSA? What would be the smarter move for my timetable? Basically anything I make will be going towards either this or any necessary bills/ food. Thanks for any and all replies.
if you invest in VOO or anything tracking the S&P 500 you have 6 months to figure it out.
It’s not letting me add picture Current ETF s are : SCHD SPHQ SCHD BND VOO VWO
> But those 3 alone will comprise of ~4-5% of the S&P500 at their current valuations. VOO is float adjusted
on the first day? absolutely nothing. not even VTI buys that fast the thread is full of people who have no idea what is going on. VTI is float-adjusted. https://www.reddit.com/r/Bogleheads/comments/1tj6vzf/vti_and_spacex/ we are talking about 0.1% here. if you are in VOO it will take 6 months for it to show up
QQQ will be over 1%, but others much less, because most others are float-adjusted VTI will happen as soon as 5 days, VOO will take at least 6 months.
How do you not just buy VOO or SPY or even google and Microsoft and just wait. It’s not complicated
No, I think telling investor to ignore proven passive investing plays such as VT, VTI, and VOO just to avoid spaceX is manipulative. I’m not touching SpaceX directly, but I’m also not selling VOO to avoid it.
I'd go 60% VOO (the basics from the S&P 500), 30% QQQM (tech companies that grow fast), and only 10% SCHD (dividends), since you're already putting 2k/month into your 401k with S&P 500 and SCHD is probably too much safe investing when you have so much time to let your money grow.
grandpa should have bought VOO 17 years before the index was even created, simple as
SPY won't pull back as much as some of these AI names. Many could easily go -50% while VOO does -10%.
VOO with some VXUS. You can alter the percentages in each depending on what is happening in the world.
Depends on age/risk tolerance but a fund like FTEC has generally more upside than VOO. But since you’re young I’d err to the side of higher risk.
With 4M and only needing 3k a month, her annual draw is under 1%. She has no risk of running out of money, so she does not need to take on commodity risk with PDBC or Nasdaq tech tilts. If she wants that 100k separate from the Edward Jones fees, just put it in VTI or VOO. Since she already has cash at Bank of America, she can open a Merrill Edge account for that 100k, buy VTI/VOO, and instantly qualify for Platinum Honors to get their credit card bonuses and banking perks.
Doing your own research helps. I also think that the restriction on certain analysis here creates a barrier to this, particularly with the cannabis sector, as many opportunities are, by their very nature, outside of common knowledge. I had a recent analysis I had to post elsewhere. Maybe the policy is a net benefit, but it will undoubtedly restrict proliferation of certain information which could be lucrative in the future. There are very few companies that yield such impressive short term returns without being obscure. There are always companies that are positioning to grow aggressively, REITs that are paying outsized returns without dilution or capital erosion, and zero to hero stories. There are a larger number of the inverse: Big companies that are about to catastrophically fail, REITs that dilute and erode into insolvency, and once great companies that go the way of Sears, Kodak, etc. It's also worth remembering that someone who turns 30k into $1 million and then realizes that will only walk away with 500-700k, give or take, depending on where they live. That's a lot of money, but a pile of cash is only as good as the income you can turn it into. Don't get me wrong, those returns are amazing, but if that's the only big hit they get over 50 years in the market they won't beat VOO or similar broad market funds. If you keep buying good companies with solid financials that you would be happy to own for 10-20 years then eventually you'll find one that will make dramatic returns. For me, one of those was NVDA, but I've also seen significant returns from RIO, EPD, some cannabis stocks I can't mention here, AMZN, UMC, and a few others. I bought each of these companies because I thought they were excellent companies at a fair price. I have many other positions which have had modest returns over the years: O, PFE, XOM, and a few others. I don't regret owning these companies, but it's important to remember that this usually follows a Pareto distribution, where 20% of your stocks will account for 80% of your gains, and 1% will account for 50%. So my advice is this: Just buy companies that you think will do well over the next decade or two, re-evaluate periodically, and eventually you'll find one that unexpectedly blows past your expectations. Also, avoid selling your winners and holding your losers, and avoid making snap decisions and impulse purchases/sales.
Sell it and reinvest all into VOO
SPY honestly, if you want leverage then VOO
The evaluation of your portfolio is unaffected. Space X will be absurdly diluted in any index fund like VOO or QQQ. People pulling out are doing so because they philosophically disagree with a figure as controversial as Elon Musk seemingly using his political connects to pass the rule changes that allows him to automatically raise $1.75 trillion for his company without having the profits to justify that.