VOOG
Vanguard S&P 500 Growth Index Fund ETF Shares
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Mentions
Hey man. I’m in the same boat as a 25 year old investor. Right now in my Roth I have about 70% VOO, and 30% NVDA. Planning on getting it to where it’s about 60% growth fund (QQQ/VUG/VOOG, etc), 30% VOO, 10% NVDA. Will lean more into VOO as I get older though
Sold all VOOG assets and invested into 12% bonds. Buy VOOG, you're welcome
Why not VOO or VOOG?
Work on getting you income up, go back to school, learn new skills, get certifications whatever you need to climb the ladder and get better jobs. Thats going to be the quickest way to rebuild yoir saving, delete your options account and reddit all of that will trigger the itch to gamble again. Once you have rebuilt your savings invest in safe index funds like VOOG
“Value” “growth” “momentum” etc. keywords for ETFs are mostly marketing. You are not going to harvest more growth by choosing these funds, especially passively. The only one of these that has somewhat of a standing is value but you are not going to get that from a passive index, i can assure you. Its just marketing. I’d get rid of VOOG, VBR, XLV (don’t see the point in having 5% of this as VOO is already like 10% healthcare) Personally I would get rid of all crypto, has 0 inherent value. But i am also aware this is a touchy subject. 10% is still too much to put into a single purely speculative asset regardless of my personal beliefs on it. I usually allocate around 10% total towards speculative, and of that, no single speculative stock can take up more than 5%. I’m surprised you dont hold any GOOGL or MSFT, and a heavy weighting into nuclear. Little odd but now im just nitpicking. You need to be past conviction to be fully settled. No worries though, these things take time until you reach that. At that point, you’ll most likely no longer be on reddit or at least no longer posting about your positions. Conviction in a portfolio usually doesn't ask what strangers think about it. I know thats harsh but its the reality
Okay great so overall, I should simplify my etf picks. What do you think about just VOOG VXUS and VBR. Next I should trim down my picks, maybe just Netflix AMZN and NVDA. Take out oklo and just do URA and NXE? Is this better?
VOO or VOOG. Vanguard. Something like that. Depends on your age and goals too though. Yolo into penny stocks w guided research
Thank you for all your advice, I’m 19 so I’m still learning about everything. This clears things up and makes sense. I appreciate it. So my takeaway is reducing a bit from VOOG and reallocating it to the other ETFs, being disciplined and staying firm to this structure even if there is bad months or even a bad year, especially when it comes to BTC and keeping only a few individual picks.
Check my profile ⸻ URA at 5 percent makes sense if you are treating it as a thematic satellite and are fine with volatility. It is still a concentrated bet, just diversified within the nuclear space, so I would only do it if you plan to hold through cycles and not touch it for years. Reducing VOOG slightly to spread into other ETFs is reasonable. VOOG already overlaps heavily with mega cap growth, so trimming a bit to reduce redundancy is logical as long as growth is still the core of the portfolio. For individual picks, fewer is usually better. High conviction, long time horizon, clear reason for owning each one. If you cannot explain why you would hold it through a 40 percent drawdown, it probably does not belong. On crypto, discipline matters more than allocation. If you truly treat it as long term and size it so you can sleep at night, that is the right mindset. Big picture, your edit is the most important part. Set the structure, stop tweaking, add consistently, rebalance yearly. That alone puts you ahead of most people.
Thank you 🙏. So I have a few questions then, I am thinking about putting URA at 5 percent and that will replace my speculative portion, so I will cover much more ground in the nuclear area do you think this is a good idea. Next I was thinking about reducing VOOG by 5 percent and adding it to my other ETFs which will make my individual picks less redundant do you think that’s a good idea? And also what would be your suggestions on making my individual picks better. And when it comes to Crypto I have good discipline I never panic sell I just wait and trust in the process. I appreciate all of your feedback.
Overall this is way more thought out than most portfolios posted here. You’ve clearly tried to cover growth, value, international, and some conviction bets, which is good. The main weakness for me is concentration. VOOG plus AMZN plus NVDA plus NFLX is still very growth heavy and very US tech tilted, even if some of it is intentional. Nothing wrong with conviction, but with 50k that’s a lot riding on one style continuing to outperform. VXUS at 10% feels light if your goal is real diversification. Either accept you’re basically making a US growth bet or bump international a bit so it actually matters during different cycles. The individual picks make sense but I’d question whether you need all of them at those sizes. If VOOG is your core, the single stocks should either be higher conviction or fewer names. Right now it’s a bit of a middle ground. BTC at 10% is reasonable if you truly believe in it long term and can sit through drawdowns without touching it. Just be honest with yourself on that. Speculative nuclear at 5% is fine, just treat it as money you’re mentally prepared to lose and don’t average down emotionally. Nothing here is “messing up”, it’s more about clarity. Either lean into being a growth heavy conviction portfolio and own that risk, or rebalance a bit more defensively. The worst mistake would be constantly tweaking it every few months based on comments. If you stick to this for years and keep adding consistently, you’ll probably do better than most people second guessing themselves.
Call fidelity wealth management and let them manage your investments. Or buy VOOG
Much like the others I went crazy in April, got google calls and also started a VOOG position. I kept rolling them and I think I turned $8k into $30k. I’m sitting on google and meta leaps, prob up 20% combined so far. I have a big emergency fund and play around with a little cash on options so I’m very conservative lol plus I have a mortgage so I’m not trying to yolo into anything. I like options bc I’m in and out with high reward potential, I will prob do that still next year. I’m a little hesitant to get any big positions right now, I only buy an amount I’m willing to completely lose.
He will likely have to rely on social security sadly. At least he has CDs there are people out there relying on almost nothing, I would take those CDs cash them in and buy into VOO or VOOG in brokerage.
Hi, Long time investor here, I can tell you that even if you research the SHI\* out of a stock , things can go to shit , markets turn , somebody puts a 200% tariff on a part needed for assembly . I agree with the gentleman that pointed out "Your exposure to speculative names is too high" I would have to agree. I don't do airlines either or cruise lines or Banks I try to have a base first , like some etf's of the S&P 500 , VOO, VOOG, etc. I have a good foundation of these , and have my little 5% or 10% speculation money, recently picked up SMCI , already has a 25% return. And for real speculation , IONQ , and SMR , A couple of other more targeted ETF's are MGK , basically the MGK, the [Vanguard Mega Cap Growth ETF](https://investor.vanguard.com/investment-products/etfs/profile/mgk), holds **66 stocks** as of September 30, 2025. Its holdings are concentrated in U.S. megacap growth stocks, with a significant portion in the technology sector, and its top holdings include NVIDIA, Apple, and Microsoft. Or you can do more tech XLK is good for that .... Or the ETF MAGS the magnificent 7 , only those 7 stocks ... QQQ for tech as well , or if you are going to hold for a long time QQQM , lower fee's I also have individual stocks like Amazon, GOOGLE, APPLE, By using targeted ETF's I have been able to beat the S&P500 for the last 7 years or so.... So far this year , I have had returns of 38.27% YTD (mostly stocks) and another account (mostly ETF's) 15.76% YTD . Another one that's 16.51% YTD . The S&P500 as of today YTD 15.29 % Good Luck and Have a good day (:
Are you saying I should sell VOOG or just add VXUS,
**> I am not in options (yet) I just own shares.** Don't get into options. They're an incredibly complex instrument that 99/100 people lose money with. Something like 92% of active investors underperform a buy & hold strategy. People trading options underperform even worse. **> I am mid 20s I have been working since I was 13.** So you're young, can hold thru volatility. Do that. **> This year lost most of my life savings due to a cross country move and the gd grocery prices rising every hour.** If $20 loss is stressing you out, you shouldn't be investing. Buy and walk away for 10+ years is how you should treat it if new. **> This community is already 10x better than the other I have looked in. No one has called me a slur yet.** I assume you were on wallstreetbets or another sub. Those ones are for gambling, not investing. Majority of people there (and here to be honest) lose money. The raw numbers show **> I am holding shares in VTI, VOOG, QQQ, and had money ready to go into an energy sector specific EFT then a Dow eft.** Just buy and hold these. You're trying to time that market.
No you are smart to do that. I live in volatility but know what I'm doing. If you want safe bets, VTI & VOOG are great for you
I did that with VTI and VOOG, I avoided spy because of how heavy it is in ai. Should I reevaluate?
I am holding VTI, VOOG, and QQQ. I was looking for an energy specific etf before the uncertainty came after the shutdown lifted.
VTI VOOG QQQ and was looking for an energy specific etf
I use Fisher. Returns for my Fisher account versus VOOG. 2022 -18,1% -18.15 VOO 2023 30.6 26.33 VOO 2024 18.3 24.94 VOO 2025 18.04 16.06 VOO as of 11-13-25 Totals 48.84 % 49.18% This includes my between 1.25 to 1.10% fee to Fisher. Very close.
When you stop playing with options and put it all in VOOG
I would put 50% in a high yield savings account so its totally safe from market conditions and maybe 100K into gold or crypto and the remaining 100K into ETFs(exchange traded funds) like UEC, NLR, UUUU OR VOOG. There may be a market crash coming though its been on a crazy bull run since March so be careful
Correction\*: you gambled for 4 years. If you want o start investing keep it boring. Whatever you choose for your equity %, the following: Aggressive investing: DCA into VOO 75% and 25% into VOOG. Average: DCA: 10% VXUS 15% VOOG 50% VOO 25% VTI Defense: DCA 10% VXUS 15% VOOG 50% VTI 25% VOO Or some variation of your own you're comfortable with. IT SHOULD BE BOOOORING
What is this money? Savings you might need on a whim? Personally, SGOV. It could be state tax advantaged, is "safe", and is fairly stable. Money specifically for long term investment? VOO. Or some mix of VOO and VUG or VOOG. As things are I'd DCA just in case of instability.
I own Nvidia for 7 years, not a single share sold. I opened a position on Google 6 months ago and will continue to DCA directly on them. However, a larger percentage of my current DCA is going towards Nvidia indirectly via VOOG where it makes up 14% of the index. Google is in there too.
Pretty good. But I would put some in VOOG, MAGS, SOFI, CHYM, and leftover cash in TLT/SGOV.
The MAG 7 is a starting point for maximizing long term growth, but you need to buy carefully. NVIDIA is a must own, buy all the dips. VOOG and VONG are good growth ETFs. IVES is the Wedbush Dan Ives AI Revolution ETF. Good luck.
I'm just a little mouse buying VOOG and SMH sense 2012 not one night of lost sleep.
I don’t do it every day, so not in the hundreds of millions. This all happens in my Roth IRA, so it’s fine. Once I buy back in, I have to let those funds settle before I can sell again…And it’s really only maybe twice a month I do this. And if VOOG is down, I just don’t do anything and check back in a couple of weeks.
What? There’s a tax vehicle that allows that?I don’t know if I want to show my accountant a tax sheet with 100+ million dollars worth of trade movement because I day-traded full port with VOOG to scalp profits. Also, that day trading strategy with your own capital works until it doesn’t. Idk if the Roth IRA allows that. Hopefully someone smarter can respond, but I haven’t seen this.
I guess I am technically. I’m just selling my entire position in VOOG and immediately re-buying my original investment (dollar-wise) within five minutes. And then rolling the profits ($10-15k) into Berkshire each time I do this. I like to play the market some. Especially in the tax sanctuary of my IRA. And I normally cap my stocking picking money to 10% of the account. Berkshire is just my super vanilla play right now w/ the profit shaving from the entire account. My TSP is my set it and forget account. I don’t think I’ve logged into it this year yet.
I’ve been cashing out and rebuying at my original base on VOOG every 2-3% gain in my IRA. And using each cash out to build my Berkshire position as hedge for when I think what i see in real life daily to reflect in the market. I don’t know if that’s the best strategy, but my confidence in the market and this economy wants me to convert a large portion of my portfolio to cash. Doing this profit shaving and piling into Berkshire has helped that urge.
Can't predict. Just keep buying some Nvidia for the foreseeable future. I have my large stake, and I keep buying VOOG which is 14.58% Nvidia.
We are close to same age. I believe we should still be agrees e in growth. I would do 50% or so in VOOG or schg. I choose schg personally. Do something international. Precious metals and I know people trash it but throw a little into bitcoin. Young enough to ride a bear market or 2.
generally I see and agree with people who say lump sum, however I would possibly wait until next week for VOO or VOOG. Big tech earnings are tommorow and Thursday, so there might be some immediate downside but it would be 4-5% at the most imo. Could also go up, just depends on if you want to try to time the market over a small percentage move
VOO is 40% mag 7, individual stocks of mag 7 may end up with individual risk, index is better you can use VOOG, which is growth, very similar to mag 7
Why not just go with a growth ETF? VOOG, or even a Mag7 ETF if you want more focus.
Try VOOG for large cap growth stock in S&P 500. It is more MAG7 concentrated than VOO.
in my aggressive growth portfolio, the largest positions are AMPX, PSIX, CLS and NUGT (all holdings started as equal positions when I opened them, these outgrew all the others). In my 401k the largest is VOOG. What I’m watching: NUAI, MP, UAMY
Why not start putting it in and Index fund for the long haul? VOOG would be a good place.
VOO is the foundation. I like VOOG and VONG for growth.
Stop watching. You are looking at robots making 1000s of trades a second thinking there’s a pattern. There isn’t one. Put money in VOOG and go watch a movie instead.
As someone who has just started investing for the first time literally over the weekend after seeing the crash, I've put buy orders in for Nvidia, VOOG and bitcoin. Just curious what the views of you more experienced investors feel towards this. I know very little but assumed this would be a good time to test the waters as the buy in price is at the lowest its been these past weeks due to the crash. Obviously we can assume an increase in bitcoin to return to 200k+ but more looking for thoughts on Voo/Voog for first time S&P investing for longterm compound growth.
Well you would probably have to sell VOOG. Then you are protected if you hold cash.
>Do you agree that a widely diversified ETF is appropriate for OP, even if it's SPY or VOO vs. SPYG and VOOG? Yep! Really even when we're getting into these divisions they're fine. >For me, I actually use my non-taxable accounts for more active trading and speculative , which (when I do it right) generates short-term capital gains taxable at ordinary income rates, plus interest-generating investments like cash or bonds--also ordinary income. So that leaves the dividend generators and funds that have year-end cap-gains distributions, in the taxable accounts. Ah yeah, then that makes sense. There's a good table on https://www.bogleheads.org/wiki/Tax-efficient_fund_placement that lists order of tax efficiency, and you're doing that sort of optimization but just working on some things not everyone does. >And BTW, I notice that your first point (in favor of value stocks) seems a bit at odds with the argument about dividends: don't the generally higher dividend payouts of "value" stocks create a tax drag? So: yes. The argument is a theoretical one and assumes no taxes. In a taxable account it's a bit hard to figure out which one will come out ahead (and it's always a guess anyways because we don't know how the future will go). I largely just go with a broad spectrum approach of buying everything and not worrying about it (that is, not optimizing for dividends but not avoiding them). I do have some brk/b as well though, as an example of a weird stock that is very value-oriented but also no dividends.
Investing is a patient steady habit of saving and investing on a regular schedule. At 16, I would start with VOOG which is Vanguard’s ETF of large cap growth stocks. If you want some crypto, buy a little bit of Blackrock’s Bitcoin ETF IBIT. The key is investing on a schedule, do not panic on market declines, do not make short term trades and let your winners run. Good luck.
All the big index funds have heavy overlap. VOOG is more heavily concentrated in the top 10 large cap growth stocks. VONG mixes in some mid cap growth. Both are more growth oriented than VOO or FXAIX.
VOOG or VONG are ETFs of high growth stocks.
Interesting comment. The cited value vs growth chart is confusing to me, starting with the definition of value stocks. But always good to see different analyses. Do you agree that a widely diversified ETF is appropriate for OP, even if it's SPY or VOO vs. SPYG and VOOG? You have a point on dividends given what I said. But let me add some additional context. First, since we're limited as to how much of our assets can be in tax-free or tax-deferred accounts, the question is: what's the best use of those accounts. For me, I actually use my non-taxable accounts for more active trading and speculative , which (when I do it right) generates short-term capital gains taxable at ordinary income rates, plus interest-generating investments like cash or bonds--also ordinary income. So that leaves the dividend generators and funds that have year-end cap-gains distributions, in the taxable accounts. And BTW, I notice that your first point (in favor of value stocks) seems a bit at odds with the argument about dividends: don't the generally higher dividend payouts of "value" stocks create a tax drag?
Don't know your situation but here are a couple of general observations: For people like you with long investment time-lines and not much investing experience, an ETF with mostly growth stocks probably makes sense. Growth stocks (vs dividend/income stocks, or bonds) are considered more volatile but with a long time-line you don't care that much about short-term ups and downs, and the returns from stocks in the long term is generally expected to be higher. I believe the biggest ETFs focused on US growth stocks are SPYG and VOOG, but I'm sure Fidelity has something similar. Dividends are "tax-advantaged" compared with income from capital gains or interest. So I tend to buy dividend-paying stocks (or dividend-oriented ETFs) in my taxable account (not in a Roth or conventional IRA.) Good luck!
You can do a lot better with your $100k. Take a look at VUG, VOOG, QQQ, SCHD, and HUT. These will help you get a way better return on your money. At a minimum, look at SPY. It's not rocket science, just math. Look at any of the above mentioned ETF's and they will speak for themselves. Go forth and do well, friend! IG
Not financial advice, 1 - Depends on the maturity and rate of the CD, if you feel like doing an early withdrawal to front load in to equities do it in tranches. 2 - Holding VOO is already great enough as a diversifier, maybe some VXUS, VIOV, VOOG (international, small cap, growth) allocate to your risk profile. 3 - That’s perfectly fine, figure out your target date/age, if you’re able to be slightly more active in allocating/rebalancing set dates/price targets to rebalance into bonds later on 4 - That’s perfectly fine, use the compound interest calculator plug in avg return of voog set a variance and have fun projecting your future
QQQ, FBGRX, IWY, VUG, FDSVX, VOOG, FCNTX, FXAIX, have 10-year total returns of 523% to 299%.
Gotcha. I mean in real life practice, you will likely just contribute to some S&P fund or equivalent, maybe take some swing trades outside of core positions with a very small percentage of your portfolio, start mixing in bonds decades from now, and retire. Doing the "best" in a couple of weeks will require you to accept that it's just a silly game, and take risks that you learn nothing from. Are you able to trade during the duration of the exercise, or do you have to pick now and that's that? Your picks are not "bad." I'd probably look at VOOG as well, and look to reallocate to some inverse funds if the market is not looking good.
VONG or VOOG Choose VONG if you're seeking broader exposure to U.S. growth stocks, including mid-cap companies, and are comfortable with slightly higher volatility for potentially higher returns. Choose VOOG if you prefer a more concentrated investment in large-cap growth stocks, aiming for stability and alignment with the S&P 500's performance. ITA aerospace and maybe add CBR Cibersecurity ETF
How do your annual returns compare to VOOG?
Really depends on what you are looking to get exposure to. VOOG is my top pick. QQQ is good. VTI is a nice and stable one. iBit is a solid moon shot play. One thing you need to do is look under the hood of everything you hold and check your exposure. You can scoop up a bunch of ETF’s and might think you are diversifying but really 30+% of your portfolio is NVDA, MSFT, and AAPL. Chat GPT can do a surprisingly good job at helping you figure that out. But, be careful about taking its advice.
I buy VOOG regularly and hold 12% I also hold a lot of Nvidia. 65% at an ultra low cost basis. Smaller positions in Google, Amazon (5% total) And decent positions in VRT, AMD, IXUS International ETF and BTC. And some other stuff on the side that make up about 5% of my portfolio. Actually, don't copy my portfolio lol, mine has been built over several years. Keep buying VOO or VOOG right now and some international and whatever else you like.
That VOOG/VGT/VONG mix is real nice in a bull, but when things turn? That thing could nosedive hard and fast—it’s like being all gas, no seatbelt. and if that crash lines up close to retirment? you're not just losing numbers on a screen, you’re losing options, breathing room, actual years of freedom. being mid-50s and only hving seen the market when it’s smilng at you, that’s a scary setup. have you thought about what you’d actually do if your portflio dropped 30% and stayed there for 2 years? like do you have a real plan, or just vibes and hopium right now?
Your portfolio is very aggressive, and while the returns since you started have been excellent, when the next bear market eventually comes it will hit you HARD. VOOG was down about 31.5% from Nov ‘21 to Oct ‘22. It took almost 2.5 years in March ‘24 to get back the previous Nov ‘21 high. VGT was similar. When the Great Recession hit, it took the S&P 500 about 5.5 years to get back to its previous all-time high from Nov ‘07. Many investors say they have a high tolerance for risk when the market looks great, then when the going gets tough a lot of them bail. Be honest with yourself: can you really hang on when your portfolio is down 30% - 40% or more from its previous high? If so, then you’ll be looking at that as a buying opportunity and not a disaster. If it would prompt you to sell even some of your portfolio, you’re too aggressive and you need to diversify yesterday.
There is nothing wrong with taking an hour a day and studying your positions. Your goal is to stay up to date about news on business prospects, risks, new analysts reports, etc. An ETF like VOOG (which I like) has a high concentration in its top 10 holdings. You should understand those companies and why you own them. You do not want to start predicting market swings and doing short-term trading. You will lose at that. You do want to understand what makes the top holdings in VOOG and other ETFs great companies. If you do not want to do that, shift more to VOO and QQQ.
Oh dear...!!! **From Google Finance: Expense ratio 1.14%, Front load 5.75%, YTD return 7.35%, 5 yr returns 11.88%, Yield 2.46%** They took a big chunk of your money from the beginning with that Front load fee, then the high ER, and low yields created low returns over a 5 year period vs. 85-90% for the S&P 500 Index fund such as: SPLG, IVV, VOO. I would sell your Russell fund so it's cash in the account, then I would open the Fidelity Roth IRA account and work with Fidelity reps to have them get Russell to xfer the cash over to the new Fidelity Roth. Then invest in a basic broad based ETF like: SPLG, SPYG, IVV, VOO, SCHG, VUG, VOOG, VONG, etc...or VTI for all US total market. Good Luck........;+)
Keep cash in a HYSA to cover 6-12 months of expense, then invest what you can inside a Roth IRA for growth. Most can add $7k per year to $8k for those 50 and over. Growth ETFs: SPLG, SPYG, IVV, TCHP, VUG, VOOG, VONG, SCHG, (VOO for Boogleheads).
God, this is all confusing I want something with high growth, but SPMO and schg are momentum and growth respectively, which gets hit harder with slowdowns as you said I calculated my expected new salary since in getting a new position and I should be able to max out contributions to my Roth Would VOO (or VOOG) + IDMO be able to account for both growth + diversification + account for recent less than stellar jobs report and other economic factors that aren't looking good?
What are you talking about. Both SPYG and VOOG are pure equities.
That's why I'm not looking at equities, which with the other comments, if I just stick with SPYG or VOOG, should be good for me
What are your thoughts on going 50% VOO and 30% VOOG (Growth fund) instead of QQQ
Hey all, so I'm 33 living in the US and I wanted to get advice on my current portfolio. I'm relatively new to investing as a whole so I'm learning a lot as I go and want to avoid any obvious pit traps. I basically already have the mindset of any money I put into this whole venture is spent and gone so I'm pretty risk tolerant. I have a 401k from work with 41k in it and slap in 11% of my paycheck there along with a MMA from my bank that is at a 4.5% if I remember right with almost 4k. I currently have these investments in a Fidelity Individual account: * BBVA - 9.581 shares * FSAGX - 3.388 shares * SPMO - 1.205 shares * UTES - 1.748 shares * VGT - 0.2 shares * VOOG - 0.246 shares I'm able to invest about $300 a month which I am thinking of splitting between my investment portfolio, my newly made Roth IRA account and my MMA. I know that my investments in my Roth IRA should lean more aggressive since it's tax-free. Overall I just wanna know if this is a solid strategy or if I'm on a sinking ship and just don't know it yet.
VOOG makes a bet on more expensive companies, which has worked well recently [but is even-to-slightly-underperforming in the long run](https://www.dimensional.com/us-en/insights/when-its-value-versus-growth-history-is-on-values-side).
Keep buying VOOG, VTI, NVDIA, COST, Home Depot, and others notable picks and you should be good Go heavy on indexes go light on individual stock shares
Interesting. Ive also had someone tell me about VOOG. Thoughts?
At your age, the biggest weapon you have is time and a long runway for compounding, not trying to pick the perfect ticker. If I were in your shoes at 22, with no plans to touch this money for decades, I’d keep it stupid simple: • 80-90% in something broad like VOO or VT (or a split between them if you want more global exposure) • 10-20% in something more aggressive like QQQM for a tech/growth kicker • Auto-invest every month, don’t panic sell, and ignore the noise The exact percentages matter way less than consistently putting money in and leaving it alone. Most millionaires were built from boring compounding, not lottery-ticket stocks. If you get nerdy about it later, you can tweak. But at 22, the “boring” option is secretly the most powerful. Since you mentioned you aren’t sure of the differences, here is a breakdown: 1. S&P 500 ETFs (VOO, VOOG, etc.) • VOO = S&P 500 index (biggest 500 US companies, weighted by market cap) • VOOG = growth-tilted version of the S&P 500 (heavier in tech and high-growth companies) • Pros: Low-cost, diversified, historically solid returns. • Cons: Only US large-cap stocks, so you’re missing international and small/mid-cap exposure. 2. VT (Vanguard Total World Stock ETF) • Owns essentially all investable stocks globally (US + international). • Pros: One and done diversification. You own thousands of companies. • Cons: Slightly lower historical returns than US-only funds because international markets haven’t done as well lately, but that could change. 3. QQQ / QQQM • Tracks Nasdaq 100 (very tech-heavy: Apple, Microsoft, Nvidia, Amazon, etc.). • QQQM is basically the cheaper-fee, lower-minimum version of QQQ. • Pros: Higher growth potential if tech keeps dominating. • Cons: Less diversified, can swing harder in crashes. 4. VUG • Vanguard US Large-Cap Growth ETF. Similar to VOOG, growth focused. • Pros/Cons: Same as QQQ but a bit more diversified and not as purely tech.
I looked at the numbers and seems like it's better to just hold VOOG vs. QQQI. Plus, if there is a huge downturn, it's harder for QQQI to recover it's NAV vs. VOOG
NVDA is a very, very good stock. That being said, a single stock can be risky in that it is susceptible to changes in management and things that can directly affect the company. I prefer an index fund ETF like VOOG that's an exchange traded fund that follows the S&P 500 or ONEQ that follows the NASDAQ. A problem affecting one company won't affect the entire Index. Just my personal preference after investing for 50 years.
Yeah this question is relevant — I inherited an account from an uncle that’s mostly invested in utilities and consumer staples, which are more conservative assets and wouldn’t necessarily be recommended for younger investors with a long time horizon. In that case, it can be better to sell the assets over time and just accept the long term capital gains tax of 15%, and then move the money into VOO/VOOG/a diversified portfolio better suited for growth
Always diversify. 3 funds for me. VOO, VOOG, and something for value like SCHD. Long term advice trading wise that is for expense ratios. Short term trading SPY and QQQ. Age also plays a part so best to do some DD and see what you are comfortable with in terms of volatility. Six figures is a lot so this place probably isn’t the place to look for advice. Maybe talk to some professionals or do a bit of reading. The intelligent investor is a good place to start. Happy travels☕️
Put that in a low cost growth index fund and don't look at it again until after you graduate college or join a trade. After you get a job and you have a bit extra money, you can always add to your position over time. QQQ, VOO, VOOG are all good ones. Depending if your account is an IRA or taxable brokerage it's a huge advantage to start this young. I put 2500 in my taxable brokerage when I was 18 and as a nearly 30 year old I'm still holding that same position about to use that money as part of a down payment on a house because it's grown to $8500 in qqq. You could also pick a few large cap companies (top companies on the sp 500) and put some into that. It's higher risk but it sometimes works out.
LOL - seriously? Poor track record, expensive - compare to others and ask why you'd pay a premium for ARK. What are you interested in investing in? Fairly common known-goods are VOO, VOOG, ITA, SCHG, JEPQ, etc Tons of funds out there, and Ms. Wood is not the creme of the crop
You have a pretty long time horizon for investing, so my (17F\*) advice is to stay an aggressive investor, mostly invest in tech ETFs (FTEC, VOOG, etc.), set up recurring investments of about $10 or so every Monday, and keep your money in the market for *decades*. I know a lot of people who treat it like gambling, *please don't do that*. Otherwise it looks great! \*I'm only 17 and I'm not an expert, so please don't take my word for it. Redditors, please correct me if I'm wrong!
>Should I put all my money into the S&P 500? US only (which VOO only would be, no revenue source doesn't count) is single country risk, which is an *uncompensated* risk. An uncompensated risk is one that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, sector, **or country.** Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level. More bonds equals less risk. Alternatively, a target date (index) fund is effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund. I wouldn't focus on growth designated (like VOOG) or growth heavy (like QQQ/QQQM), as growth as a style has actually tended to under perform in the long run compared to blend and especially value. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/
Totally valid take Apple’s been more of a slow-and-steady play lately, not the innovation rocket it used to be. If you’re leaning toward growth and already holding long, rotating into something like VOOG might give you more diversification *and* exposure to faster movers without fully ditching Apple.
I'm about your age and my Roth contributions have been 100% VOO for years until I recently split contribution to add a bit of VOOG as well.
I have Vanguard's VOOG (VOO but with a "growth stock" bias) in a Vanguard account and also in an E\*Trade account. Either is possible. I recommend ETFs over traditional mutual funds for a couple of reasons, most important being the end-of-the-year cap gains distributions that mutual finds have and ETF's don't. Makes tax planning harder. VOO is like SPY and VOOG is like SPYG--practically identical and both ultra low fees. I find it MUCH easier to do research, get info or transact on the E\_Trade Website, or occasionally to talk to someone at E\*Trade (now owned by Morgan Stanley.) As others have mentioned, Vanguard's philosophy is buy-and-hold so they don't seem much interested in making trading or trade research easier. But I also find it hard to get information I need on the Website, and if you have to get something signed (like an IRA rollover) E\*Trade is MUCH faster--1-2 days vs. 1-2 weeks. I do think Vanguard is honest and reliable and very stable, however, which is why I still maintain the majority of my financial assets there.
VANGUARD S&P 500 GROWTH ETF Symbol: VOOG 3-year growth=+75% Tip: Click on: REINVEST DIVIDENDS I use Charles Schwab online. Excellent research. I feel my money is safe there.
380% in 17 years I’ll be 41 and have like 1.2 mil that’s not even life changing money. If that was in 7 years not 17 maybe. And I’ve said this in other comments, but investing in the base VOO, is kind of a disservice, when there is VOOG or even MGK. If I had pulled all my money in 2019 and invested it all in March 2020 I’d be doing amazing right now, granted I don’t think the yield curve was predicting Covid would happen but anyway that’s my whole point. Invest at a solid bottom, ie, yield curve inversion, insane shiller PE ratio valuations, extremely depressed Michigan consumer confidence index, etc.
I don’t wanna wait 26 years to be up 372%. If I had waited until 2002 I’d be up 641% potentially. I’d also put it into VOOG not regular VOO, or some individual stocks too. I’m 24 I don’t wanna wait until I’m 50 to just be up 300%. Obviously should invest over time over the course of 26 years too. But still.
Thank you for your response. I’m reading that VOOG tracks the growth companies of the S&P 500. If I’m understanding that correctly, does that mean it’s just tracking the companies that it anticipates will grow, not necessarily the S&P 500 as a whole?
I’m relatively new to investing. I set up an IRA a few years ago and invested in the S&P(VOOG) because that’s what was generally recommended and I often see that the S&P is still recommended to this day. at some point, I also invested in the Dow Jones via SCHG. I’m open to other ideas and learning about indexes so I’m curious as to what other people here are investing in. My current investing mindset is to invest and rest. What index do you follow? What ticker are you putting your money in? Why did you choose your current way of investing?
I’m relatively new to investing. I set up an IRA a few years ago and invested in the S&P(VOOG) because that’s what was generally recommended and I often see that the S&P is still recommended to this day. at some point, I also invested in the Dow Jones via SCHG. I’m open to other ideas and learning about indexes so I’m curious as to what other people here are investing in. My current investing mindset is to invest and rest. What index do you follow? What ticker are you putting your money in? Why did you choose your current way of investing?
I am in similar boat and Fidelity advisors are chasing me. I decided not to go with them because they only understand one asset class: equities. And they are following the boiler plate recommendations. I end up managing on my own and select ETFs from Fidelity, Vanguard and Amplify. I split my funds between Vangaurd and Fidelity. I personally like Vanguard better. But didn’t want to put all the eggs with one basket even with SPIC insurance. My ETFS: FDMO, VOOG, VFMO, IBIT, QDVO, SHLD. about 15% allocation to each. You will never need a financial advisor or need to rebalance.