Reddit Posts
After playing options, my net worth is currently 30$
Isn’t concentration actually proven to win over the long term? .
Any advice from experienced investors
At what point is qqqm better than voo for young investors?
What ETFs or Index funds are y’all thinking about bidding on? I really like VOO as a long term play for myself
is this a good growth focused Roth IRA asset allocation?
Questions about my ROTH IRA fee structure / returns
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
When I put $5 on a stock I win , put $50 in I lose almost every time.
Revenge traded a NFLX loss into a $700,000 MSFT profit 💰
I wish I never invested into LUNR and NASA. been waiting for a few weeks to sell, but ofcouse dip keeps dipping....
Best Way to Diversify Brokerage vs Roth IRA?
Selling $DRAM (up 13% today), evaluating alternatives.
Chasing the memory stock rally ruined my portfolio. Now I don’t know if my new portfolio will save me or make things worse
22, Nervous about Risks / ETF vs Individual Stocks
I backtested 44 Robinhood IPO Access deals. Why buying and holding is a trap and the hypothetical strategy that beat VOO
Top ways to invest in innovative companies through ETFs? High risk appetite
Mentions
I've witnessed this, as well, where alternative investments are pitched as better downside protection, more diversification, and not purely chasing gains. The conversation gets interesting the longer retail outpaces alternatives like private equity by significant margins, tho. What is the opportunity cost for sticking with PE, for example, when sticking with VOO would've resulted in significantly more growth. Over one year the opportunity cost is low but it's been three-ish years of PE under-performance from what I understand (could be wrong there, I'm not in the biz). Another thing I've also seen is that advisors/firms #1 goal seems to be not losing money and that's prioritized over big gains which makes sense because big red numbers are more likely to lose them business.
As someone who used to work with people with Down Syndrome, I find it funny that they would beat most of you retards at investing if they got the chance. Their mental impairment manifests itself in excessive calmness and optimism. They would invest everything in VOO and celebrate every dollar they earned as if it was their birthday.
You know VOO went down 0.8% again too, right?
I’m done with this shit for now on I buy VOO and chill like a bitch.
They blocked me, so I won't be able to follow up with them. VOO lagging behind certain other etfs means it's an even better time to invest in the US economy, tbh.
Jesus fucking Christ if you’re a successful entrepreneur for the love of god throw your money into VOO or better yet give it to a money manager if only because then you can’t gamble with it
Our income varies but has grown a great deal since Covid. We retired in 2022 and during 2020-2022 we reinvested into real estate and rejiggered our portfolios for income focus. Our base living expenses (in Thailand) are 2500 a month. 5 bedroom villa near the beach is paid off. This gets us 2 hour massages every week, gym memberships at the 5 star hotel around the corner from us, yoga membership, all utilities and groceries, as well as Michelin listed restaurants a couple times a week. Throw in our travel and healthcare spend (we go to Singapore every quarter for medical checkups and procedures on top of traveling for fun) which averages out to about 10k-15k a month. Our income is significantly higher than this - our business still earns us about 70-80k a month. Rentals bring another 14k before expenses and taxes. Passive yield from brokerages is about 20-25k a month. Options trading income varies but on average another 20-30k a month. After expenses on the real estate and our living costs, we still have taxes to pay which amount to about 250k a year which is a total bummer as I pay them quarterly and another 10k in property taxes a year. So we’re left with about 100-110k a month that gets reinvested. Most of this is automatically invested into a basket of funds like VTI and VOO that just keeps buying. A portion sits in cash as I always have a some kind of tax payment or other payment due (usually about 250-350k in cash). I trade options on everything - cash on hand and the equities and ETFs we own. Very low percentage chance to actually get assigned since they’re very out of the money but they make a solid 2-3% a month so why not. Max out 401k and IRA of course. This year will take advantage of FEIE and FHC since we will spend less than 35 days in the US so that will avoid some tax there too (maybe 90k in savings according to Claude).
I dont think everthing is priced to perfection. May be AI and related stocks could be. That to in small/mid cap. I dont think NVDA or GOOG or AMZN are priced like that. If you are not sure about individual stocks, just put it in VTI or VOO or something related.
I was waiting for my dividend in VOO to sell today... I should have sold friday...
sometimes I wonder if I should just VOO and chill because this fucking market isn't worth the toll its taking on my mental health, but I'm a greedy fuck and a gambler at heart so I'll probably keep going.
For real. Thanks op. Just bought my weekly buy of $300 VOO and $100 of QQQ. At least it will crash before the dividends pay out
Recently sold my startup for a pretty pretty good amount and I actually overestimated my new net worth by a significant amount. So basically I’m 26 years old working in tech/finance (intentionally vague) and because I’m a gambler I was literally broke before this. I decided to take advantage of the ai wave and found a niche and started with literally $39 and got a bunch of paying clients through the Facebook groups and managed to do $1 million revenue last year and $6 million year to date (with a lot more demand) before the exit. I also had an equity stake in this biotech company that was originally through my physician father that he passed on but I raised capital for it and made a good amount on that. After all is said and done I originally thought that I was gonna be worth around $40 million but after these taxes (moved to Miami but because I have a CA address newsum wanted his check) and knowing that part of the future payouts of the deal are dependent on future growth I’m worth around $22 million right now. I literally had $43 in my bank account before the checks hit so I’m good with this. I also did an experiment last week and put a million dollars in spy 0dtes and managed to lose it ALL in a single day (so technically had $23 million before this), but also have a growing media business and maybe I can make more than that back by sharing the story on TikTok. Don’t get me wrong I’m still pretty happy with it and will probably seriously consider putting 90% of it into VOO since I guess it’s already FU money. Though might try to copy whatever Nancy trades before the midterms because it might be a once in a lifetime chance to make a lot of money (and she’s worth $120 million, so 5.5x more than me, so distant but so close at the same time because we’ve seen regards make far more than that on 0dtes). I guess my physician father is still worth 10-15x what I’m worth now (made his wealth in hospital private equity) so still much wealthier than me, but maybe one day.
Wild spike on VOO wtf
VOO VXUS, no crypto (this really isn't investing unless you are an insider). target date fund in your 401k
100% of whatever I don’t spend into VOO. Have done it for about 22 years and have made millions in gains.
Stop being an idiot. Buy VOO and a nice car and enjoy your life.
Whenever someone makes it big here all the comments are to put it into VOO and chill.
you want to make big money? paper trade to learn advanced stuff, do it every day, this is your education do that for a year AT LEAST put any money you want to invest into VOO and don't touch it for that yet
VOO or QQQ. Stop trying to pick winners.
Trying to buy house within next 12-20 months, VOO or SGOV for down payment $?
Yeah it completely depends on how fixed your monthly expenses are. If you have dependents, it’s tough to have anything less than 6-9 months. But alone, 3 months isn’t an issue. A good approach after that is to layer a bit. Example for me: \- first 3 months: straight cash, HYSA \- next 3-6 months: CDs, some short-term bonds \- everything after that: long-term investments, eg VOO, growth stocks, etc. Separately, if i know i am going to have a cash purchase coming up within a defined time horizon, eg planning to buy a house in 3 years, I will exclusively invest the cash for that in assets that match that tenor (3yr T-notes, corporate bonds, etc)
You're going to turn that 10k into 4k. VOO and chill my dude
Congrats man, you made it back. I know the feeling, having done a few round trips in last 6 years. All those talks of VOO and what not. You at-least have experienced what most of them wouldn’t dare to. I am sure you thought of quitting and letting go or just buy some and hold forever. Countless calculations and sleepless nights. These years taught you something no book would ever be able to. Enjoy it while it lasts and wish you the best in the next ride.
Says the guy that just rotated from VOO into leveraged google. (Jk I’ve been following you for a while)
Sounds like a terrible time to buy FDT and a great time to buy VOO
OP would have more today even if he had salad everything and invested in VOO after his $41k drop.
VOO $710.79 FDT $94.98 FDTS $70.89 RemindMe! 5 years
I scroll here so I don’t take my full port out of VOO.
This is wallstreetbets what is VOO? Never heard of her
I’m a novice myself as far as industry standards go. Im investing in some risky single stocks to try to get an edge also, however I keep the majority of my investments in index funds like VOO, VT, VGT. If I lose on my SpaceX or AI stocks, it’s only a small portion of my portfolio and won’t break me, if they turn out to be great, then great I bought myself a couple years worth of investing. But only risk what you’re willing to lose
Which etf do you think will outperform VOO over the next 10 years,
Beginner to investing wants to trade options. Yikes. 🤦🏼♂️ OP, you are not going to beat the S&P500. Continue to accumulate more shares of VOO and don’t touch it.
all depends on risk tolerance. For the intolerant, yep just do VOO. For those seeking outperformance, more risk is needed
It’s more even for YTD / last 6 months, VOO outperforming in last 6 months
Your numbers are WRONG. VXUS and VOO are only up 11.5% ytd.
I dead ass don’t even worry about what to buy anymore, you can have some random anomaly like nvidia making your shit go hyperbolic but if you just put VOO and forget your gonna be good
The best US ETF is the one you don’t trade. 70% VOO, 30% QQQ Create strong password, forget about account and come back 5 years later. Repeat once every 5 years.
My goal has been to average $300/day with $60,000 capital. Normally, this wouldnt be very hard to do, maybe some quick option scalping here and there. I had a good system down. But now, with the fucking war, the sinking economy, dickhead trump doing dickhead things, I am just slowly leaking an average $200-300 a day in losses that I just cannot seem to avoid. Even VOO has been a slow fuckin drain. I’ve been foolishly trying to sell it when it starts dropping and buy back at a lower price but I sell and it bounces back and then I quick buy back in, it goes up some but then drops even lower than where it was before I sold it. On friday I waited from the low price when it shot back up and missed almost the entire run. I have lost my risk tolerance. Im too hands on but if I do nothing it keeps selling off. Every so often I buy an SPX option because I used to be good at making a quick hundred bucks but now, i will spot a nice juicy trend either up or down; I will buy in and as soon as I do there is a sharp reversal of like 50 cents or more. If I wait for it to reverse again then it doesnt and I lose like $300. When I cut my losses THEN it immediately goes back my way and I would have come out ahead. This has been the most fucked up consistent trend ever - the odds that this happens has to be 90%+, no question over 80%.
It’s top holding is Meta. However, a better measurement is the sum of its parts, it’s sector weights are 24% financials, 15% energy, 14% industrials, 14% consumer discretionary, 12% info Tech, 7% communication services… VOO is 38.7% info tech, 9.5% communication service, 9.29% healthcare… Its performs well and does it differently than VOO.
VOO is up 13.4% YTD VXUS 14.3% Personally I think diversifying away from the US is a bad move for a 10-15year time horizon. You could have gotten lucky earlier this year and made a nice swing trade with some emerging market ETFs or euro ETFs, but the for either of those has past. Invest in the US economy and thank me in 15 years.
Real question is how big is the roth vs the new cash? If the roth is enough that you are in good shape for your retirement plan, I would definitely consider placing some more concentrated bets here. With $100k you can diversify enough to derisk this significantly. I would spread the buys over six months and aim at 4-5 positions to keep that diversity. Being long in the right things has paid astronomically better than being in the VOO.
Lol. Say that to the guys who are laughing all the way to the bank and the tons of literature on the topic. I think I even remember Aswath Dandoran saying adding leverage to low volatility assets is totally fine. The only problem with 2x leverage ETFs are you may have to sit through drawdowns. However if its something you can just file away and not look at for 10 years, they should do very very well assuming your underlying asset is a low volatility asset like VTI or VOO.
Holy victim mentality. You blew up 60 small accounts gambling? Just invest in VOO with those 60 small accounts and you won’t be poor.
re: disclaimer: So you want *bad* advice...? Weird, but ok. Choose something besides VTI/VOO/VT, set, and forget.
Oh come one, we all know. We just don't want to do it, because surely, I can beat VOO?
While missing out on $160k in gains if he had put that $80k in VOO 8 years ago
You’d have more than double this if you just put this in VOO 8 years ago. Absolute moron.
Fr, imagine he just put it in VOO. 166% return if he bought exactly 8 years ago and only in lump sum.
I did better than you, by over a million dollars, literally just buying VOO lmao. This forum, actually regarded.
Could have been in VOO sitting on a million without the tax burden
It depends on what you're doing. Are you trading or investing? In both cases, you need to take into account your risk tolerance. If it's low, don't buy stocks in a volatile market like AI or other tech, just buy an ETF like VOO or SPY and leave it. If you want to day trade: don't. Statistically, you won't make money. Otherwise, research the stock. See if you believe in what they're doing. See if they have good numbers. See if they make sense (looking at you, SpaceX).
90% of my money goes into VOO/VXUS and that extra bit goes into my account for options. Mostly do earnings, sometimes scalping. Earnings are more fun though. Add money once a week, and if I blow up the port, I try it again the week after. It's been a while, but I finally blew up the port again lol.
Maybe we should just VOO and chill lol
I can argue that VT is actually riskier than VOO is: smaller caps and emerging markets.
Yes. But, if you so, keep it simple & boring. Things like VOO, VT, VTI, VXUS. That’s my advice. Or, maybe better yet, go to a financial advisor who’s a fiduciary & who will consult for a fixed or hourly fee. That’s another very good option.
Unpopular opinion but at 24 go 100% VOO, or VT if you want a little more ‘safety’
At 24, you have LOTS of time and can really focus on building up your capital as high as possible early. For now your goal is to get as much into VOO or VTI as possible. The more money now, the more compounding happens over time. Consider using some momentum ETFs to build up that capital faster. SPMO, XMMO, IDMO (international). Also be more diversified by adding some small-cap value with AVUV and AVDV (international). For high growth, tech: VGT and/or QQQM. And a little SOXQ for extra semiconductors if you like. I'm in my 40s and I still hold all of these ETFs and a few others and rebalance them often.
AVUV is on sale right now. It's a great mix along with VOO, SPMO, and XMMO. From my research, small cap value beats small cap momentum. So AVUV instead of XSMO.
What's up! I would love to direct your attention to Ben Felix youtube channel. Essentially, there's a lot to investing, but it doesn't have to be difficult. Those are excellent options, I would recommend either VT or VTI or VOO, and just keep it simple. 100% total market stock index funds have beat every other strategy including adding 10% international and small cap for 30 year time horizon. Just do _not_ panic sell if and when your money evaporates by 60%, it will come back. It might take a decade even, but you _cannot know_ and if you take the loss, you'll lose out on recovery and never recover without substantial increase in saving. So yeah, keep it simple, wouldn't even bother with diversification unless its like 10% and just reallyy want to.
VOO and VXUS specifically 👆 🤓
That's what VOO is for. :dance:
Cherry picking time periods is literally what moves the market up or down every second. If you aren't interested in buying bonds that doesn't mean that there is not a sizable amount of investors that are, and there are plenty of people approaching retirement that are not "VOO and chill" anymore.
No longer beating VOO but not far behind. We'll see how it stands come November after the prophesied market correction.
I was initially planning on doing VOO + VXUS + QQQM, but I keep seeing people say to just stick to VT or VXUS/VTI 🥲 There’s a lot of conflicting recommendations
\> Looking back, I was basically doing the exact opposite of what I should have been doing. In the long run, the opposite strategy would have also lagger VOO because like 99.999+ pct of the public, you don’t know how to pick stocks. Picking stocks is hard work. Buffet, Munger (rip), Graham (rip), Lynch, Danoff, Vinik, and Dworsky are stock pickers who did the hard work and beat the S&P500. You crack the code and become a great stock picker, but meanwhile you are giving up years matching the S&P500. Maybe put it all in VOO, and do pretend portfolios with your system in progress and then put some real money into it when you are confident it works
I think it is dependent on how far OP is before or after retirement. If OP is about to retire and the shit hits the fan, he need to have safe investment portfoleo. He will be able to sell bonds and live of the proceeds while the stocks part of portfoleo rebounds. If OP is far from retirement and has income and has emergency cash, then, VOO.
Leave this sub and VOO and chill if you wanna protect your money
I remember when the VOO was 200
I know, but every doomer since 2022 has sat out massive gains thinking they knew which straw would finally break the camel's back. And even if it breaks, I'm in AAPL, GOOG, and VOO long. It'll be fine.
You’re not learning the real lesson. You can pick “some stocks” but the majority should be VOO or QQQM and call it a day. And everything should be set to automatic buys. Sell only when you have some urgent expense to pay for. If your stock picks are not conducive to this, don’t buy them to begin with. If you sell for any reason other than having an urgent expense to pay for, you’re likely just timing markets or panic selling.
Your Roth's 165% is impressive, but check whether that's a smaller balance in higher-risk positions versus a larger, diversified advisor account. Compare the advisor's 8% against something like VOO over the same 5 years before you pull the trigger.
bond yield vs equities yield is not even close. VOO is doing 17% on the last 12 months alone. NASDAQ is averaging 15.9% over the last 5 years. even a value ETF like VTV is averaging 13.7% over the last 5 years inclusive of the dividend yield. if you think markets are going to tank then sure buy bonds - but there is no evidence of that happening. in fact, we are basically in the strongest bull market we have ever seen.
>Also, I've repeatedly been told that the S&P 500 tends to outperform other bits of the market over time, so I guess I'm wondering: do bonds become a better buy than VOO-type stocks when interest rates hit some kind of inflection point? The several decades long CAGR for SP500 (which is the underlying index for VOO) is about 10.4% with dividends reinvested, and about 7% without. We haven't see sustained interest rates in that range for a good 35-40 years. Bonds "win" when the stock market is flat or down for an extended period of time. For example in the 2000's decade, often referred to as lost decade, bonds would have had a better return. But that doesn't tell the entire story. If you were young, not needing investment money, you'd of course have been far better off accumulating index funds at the low (compare that to past decade when you are always chasing the price higher and higher). So "bonds better" is just in small windows that you wouldn't really know without benefit of hindsight. Bonds never win because they "did better"; it's only by default if the market underperforms. SP500 has positive years about 75% of the time. Also keep in mind that not everybony is 100% VOO/SP500. Some have a more conservative mix, which pushes long term expected return to something below that 7% or 10.4%. In this case, a bond yield pushing 5-6% is more attractive to this group because they are getting their gains without any market risk. I think a younger person should be growth focused, but a person nearing or in retirement can't afford potential SP500 drawdowns and should have a more conservative mix.
\> I know it's a new fund VRGG follows the same index as the US etf VONG, which has been around over 16 years. VONG has done considerably better than VTI and VOO the past decade, but considerably worse the past year... and about exactly the same the past six months. So in terms of newness it does have a track record, on the other hand it only trades an average of 1400 shares a day so not very popular. If VTI is your model, and VOO performs about the same, why not go with VUAG or VUAA, which trade 200,000+ shares a day?
Because stocks go up and down so much, controlled swing trading the stock will make you more than just buying and holding. It also manages risk. Before you buy an individual stock of Company-A, already have a plan of when you're going to sell it. When it hits +20% sell 20% of the shares immediately. This ensures you're walking away with profit. Set a trailing-stop on the remaining shares at +10%. A) If the remaining shares suddenly drop from the +20% to +10%, they're gone, and again you profit. B) If the remaining shares continue to rise +30%, move your trailing-stop up to +20%. Move up the trailing stop as it rises. Do this until they sell. On individual stocks, you have to be emotionless when they sell, regardless if it jumps up from there. DO NOT chase it FOMO'ing. Always dump the profits into a long term index fund similar to VOO, VTI, SPYM, etc. If you like the Company-A, repeat this, watch the charts over the next several weeks/ months for a dip in price that lasts for over 1-2 weeks or so. Watch for the RSI to be around ~35 or lower and buy back in. You can also check the MACD and 50 & 100-day moving averages. This entry point might be higher than your original trade, but again the share price doesn't matter, because you're working with percentages. I always stick to big names like the Mag 7. Companies that I don't mind holding for awhile.
Thats what I did with AMD before it dropped back down to the $400s, but with VOO. it took over two months for AMD to get pass my sell price of $549, and ofc its even higher now.
The core bond idea first. A bond is basically an IOU with fixed payments. When new Treasuries pay more, older bonds paying less look worse, so their prices fall until their yield matches. Price and yield move in opposite directions, always. That is the whole seesaw. Why rising Treasury yields tend to push stocks down, through three channels: - Future profits get discounted more. A stock is worth the present value of its future earnings. When the safe rate rises, the discount rate rises, so those future dollars are worth less today. Growth stocks with earnings far in the future get hit hardest, which is why you hear "higher rates hurt tech." - Bonds become tougher competition. If a 10-year Treasury pays 2%, many investors will accept stock risk to earn more. If it pays 5% with no credit risk, some money rotates toward the sure thing. That rotation compresses what people will pay per dollar of earnings, so P/E ratios shrink even if earnings are fine. - Borrowing gets pricier. Companies refinance debt at higher cost, mortgages and credit cards bite consumers, spending slows, and expected earnings growth softens. On your "institutions want to keep the market healthy" point: they do want returns, but they cannot vote against arithmetic. A pension fund still has to discount future cash at the going rate, and it still compares a 5% risk-free yield against risky stocks. No amount of cheerleading overrides that math. Now the inflection point idea. There is no magic rate where bonds suddenly beat stocks. What matters is relative value and your time horizon. People sometimes compare the S&P 500's earnings yield (roughly the inverse of its P/E) against the 10-year Treasury yield. When Treasuries pay a lot relative to that, stocks look expensive by comparison, and expected stock returns over the next decade tend to be lower. But "tend to" is doing heavy lifting here. Rate timing is notoriously unreliable, and 2022 was a great warning: rates rose fast and both stocks and bonds fell, because existing bonds lost value too. On the S&P 500 outperforming: US large caps have had a terrific run, especially the last 10 to 15 years, which is why it feels like a law of nature. Over very long stretches stocks have beaten bonds, but not every stretch. There were whole decades where bonds kept up or won, and long periods where international stocks beat US stocks. That is the case for holding VXUS alongside VOO: diversification, not a prediction. Should a 36-year-old divert some investing money to bonds? I cannot answer that for you personally, but here is the framework most educators use. At your age with decades ahead, many investors hold mostly stocks because they are chasing long-term growth and can ride out volatility. Bonds are usually added to dampen the ride and to fund nearer-term goals, not to boost returns. Useful questions: how would you feel watching your portfolio drop 30 to 50% and staying invested, do you have an emergency fund and high-interest debt handled, and is any of this money needed within five years? Common bond building blocks people learn about are total US bond market funds, intermediate Treasuries, and TIPS or I Bonds for inflation protection, each with different tradeoffs around duration and inflation risk.
You need two more zeroes on that account before you even think about an advisor and even then it is a maybe. Ditch him and put it in VOO.
The "VOO and chill" crowd in shambles thinking tbey are diversified.
Man im.glad im not the only one that feels this way. I have a brokerage through truist and between lack luster performance during Covid and just continuing bad performance i feel I want to manage my own brokerage and get rid of the management fees and taxes I pay on capital gains... its just hard for me to make that leap. I know I could put it into VOO and let it ride and probably do better. I feel like thats what these companies bank on if the fear of loosing money.
Well good thing the top 7 stocks are in VOO. And cool, stay out of the market if your risk tolerance says to do so.
Strip out top 7 stocks out of VOO, then adjust for inflation and the market doesn't look as good. The market is being held up by the AI bubble. I have no idea when the bubble will finish inflating or pop, but like every other market mania back to tulips. The overbuild and mania will end, margins will get compressed, and the deflation won't be pretty.
People were saying that when he first took office. VOO was at $540 and it's at $707 now. The market will crash eventually, but the question is when. How high will it go before it crashes? That's why it's dangerous to get out of the market if you're relatively young. Close to retirement? Shit, I don't want anything to do with this market lol.
> the bubble will pop, give it a year max. I've been hearing this for a while. The market will crash eventually and you're going to say how right you were, but lets put it to the test. VOO is currently at $708 right now. Let's see what it gets to when it crashes. People were saying the same thing during elections.
wtf are you talking about. VOO is up 12% YTD
Sold a bunch of CSPs for next Friday on GOOG, AAPL, PANW, CRWD, and VOO. If I'm going to be cash gang, I might as well collect some premium on stuff I'd be fine owning anyway.
Because you will underperform VOO. Also 5% bond when real inflation is 10% may be a losing bet.
Using inflation to pay the debt is just another way of defaulting on the debt. VOO or VT are the real safe haven assets at this point. BTW, 5% yields are historically still pretty low. The bond market can still demand much more, and they probably will.
Yeah. If you did index funds, you would have out performed what he managed. Honestly, I probably wouldn’t get an advisor until I hit around half a million. I would definitely get rid of them, look at something like VOO, and a bunch of other index funds to look at. Theres other funds people would suggest, but doing a mix of 60-80% in the S&P 500 and then looking at an international fin or some other mix will probably serve you well.
Because that type of subs aren't really needed for 95% of people. VOO or some World Index and chill.