VOOG

D_Pablo67

There are two ETFs by top tech analysts you can buy and hold for 5-10 years: IVES is Dan Ives (Wedbush) AI ETF. GRNY is Tom Lee’s (Fundstrat) “Granny shots” ETF based on seven long term trends & themes. Many of the stocks in these ETFs are in much lower cost Vanguard growth ETFs like VOOG and VONG.

Admirable-Volume-848

VOO + VXUS is safest choice but I like VOOG + VXUS(any ex-US international stock) + some single stocks more.

IrishCrnjo

With the way the market has been recently yes. Just take a look at the performance of an EFT like VOOG. 17.5% over the last 12 months. You can make bigger returns trading individual stocks, and doing things like call options. But it's riskier too. You may or may not outperform the index. But if you're good at it, you most likely will. I have most of my retirement in indexes, but set aside about 20% to make higher risk/higher yield moves.

IrishCrnjo

With the way the market has been recently yes. Just take a look at the performance of an EFT like VOOG. 17.5% over the last 12 months. You can make bigger returns trading individual stocks, and doing things like call options. But it's riskier too. You may or may not outperform the index. But if you're good at it, you most likely will. I have most of my retirement in indexes, but set aside about 20% to make higher risk/higher yield moves.

IrishCrnjo

Yuck. With the way the stock market is right now, you stick your money in a S&P500 index. Look at VOOG for example, Vanguard's S&P500 index EFT. It earned almost 5% last month alone.

Piyush4758

Portfolio Value - $88.20 Invested Value - $79.99, gains - 8.21(+10.26%) Key holdings - TSM SOXX VOOG PPLT Open for any suggestions.

SilverbackIII

At 23 od do VOOG, then start transitioning to VOO as you get to age 40. .07 and .04 mgt fee respectively with Vanguard. .07 is $7 per 10,000 annually.

ClothedKing

Nah i got some $SMH $VOOG $IBIT

leadfarmer154

That's the Warren Buffet letter to his wife strategy. He said 90/10 with 10% in bonds and drawing cash of the bonds. Most people think while in your growth phase it's 100% in a S&P 500 ETF then 10% when you retire. I'd prefer a growth ETF like VOOG. Go read up, it's kinda a famous statement Buffet made. Bogleheads hate it

Lobotomized_Dolphin

Not stupid at all. I first bought in during the 2020 dip and have cashed out and rebought multiple times increasing my stake by 25% of the profit each time and putting the rest into VOOG. Hard to go broke taking a profit. Easy to go broke, (or more likely just watch your gains disappear) waiting for something to go to the moon.

Triplesixreyes

Dude just put it in VOO & VOOG. You woulda been making some money already. SPY is crushing regardless of what’s going on.

Spanconstant5

i am ok with a bit of risk, would mix VOOG and VOO for example, not just pick one

Spanconstant5

what is the focus of QQQM (i was going to split between VOO, VOOG, and SPY, but i know they are all ETFs with different focuses)

D_Pablo67

I you want growth: QQQ is ETF for the NASDAQ 100. VOOG and VONG are both Vanguard ETFs of growth stocks. Long term performance is very similar. VOOG is more MAG 7 large cap growth. VONG is similar, but includes some small and mid cap.

leadfarmer154

None of those are target funds. I'm fully aware of VOOG, QQQ, VUG, SCHG..etc

Ok-Bug4328

I am edgy.  I split between VOO and VOOG. 

retirementedu

Take a look at some low cost well diversified etfs like VOO or VOOG. I would consider a Roth IRA for the account type as well since you are young and the growth will be tax free!

DontForgetSmiles

It should be split. VOOG has almost no exposure to foreign companies. Even young, it’s important to increase diversification now. Invest habits created now will most likely continue in the future.

Ok_Garbage2448

You’re young, I’d go for VOOG. Higher volatility but you can weather it and reap the rewards before diversifying into VOO.

Fantastic-Ice-1402

Might be better off doing a growth fund like VOOG, QQQ, or Fidelity Contrafund

traspire

VOO = full S&P 500, dirt-cheap fee 0.03% VOOG = the “growth” slice, heavier tech, higher fee at 0.07%, bigger ups and downs, about half the dividend [https://www.bestetf.net/compare/VOO-vs-VOOG/](https://www.bestetf.net/compare/VOO-vs-VOOG/) If you’re cool riding tech growth volatility, VOOG can juice returns. Otherwise VOOs broader mix is better. I’d go with VOO or split the $8k.

callidus7

Buy low, sell high. If growth is hitting ATH it's too late to buy the dip. I'm a similar age. Almost 100% growth. The only "dividend" fund I have is QQQi (and SGOV for the bulk of my emergency fund). If a dividend stock/etf nets you 5% cash and 3% growth, and a growth stock/etf nets you 10%...you are better off with growth. I have made the most money historically when people were fearful and I was buying VOO/VOOG/etc cheap. Don't listen to short term noise.

GaylrdFocker

>VOO, VTI, VOOG, VIG - yes there will be some overlap Add in the Small cap and REIT they have and it would all balance out the same as having only VTI. If Value is up, but Growth is down then the total market fund goes up a portion, or vice versa. If you want to overweight 1 sector sure, but when you buy all the sectors separately it makes no sense over just a Total Market fund.

cheekytikiroom

I read the overlap argument all the time, but index funds are predominant for a handful of companies anyways. So there will very often be overlap, although in varying percentages. VOO, VTI, VOOG, VIG - yes there will be some overlap, some companies in all 4. But at different percentages with different goals, and different levels of volatility.

PM_Me_A_High-Five

I prefer VOOG because it has a funny name

MannieOKelly

Sounds like an inherited Roth account (because of the 10-year requirement you mention.) If that's right, then the $100 in that Roth account is presumably already invested in some specific assets (stocks, bonds, cash.) And it also means that anything those assets earn for the next 10 years is tax-free, and no tax is due when you do close the Roth and move the assets to a regular (taxable) brokerage account (or spend it on a cruise around the world.) Presumably you are getting a monthly statement showing what assets are in the account. (Or you've been signed up for electronic statements and have to go on-line to review them.) But you should know what's in the account. You don't need a financial advisor. To keep it absolutely simple, you can sell whatever is in your account currently (with no worries about tax if it's a Roth!) and put it into one or two broadly diversified index ETF's (exchange-traded funds.) Very common choices are VOO and VOOG (from Vanguard, but any broker can buy and sell them so you don't have to move your Roth account to Vanguard,) SPYG, offered by State Street (SPDR), and QQQ, offered by Invesco. Again, you can hold these ETFs in an account at any major broker. (Of course, your Roth account at Edward Jones may already be invested one or more of these ETFs, in which case you can leave them alone.) SIDEBAR: The "index" part means the underlying individual stocks in the ETF are selected "automatically" rather than being actively selected based on the supposed expertise of some money management team. Most people think that index funds perform as well as actively managed funds, and for sure the "management fee" is much less because . . . you're not paying experts to research and pick the assets. DISCLAIMER: I am not a pro; I am not familiar with Edward Jones so I have no opinion about whether you should stay with them or not. And I'm making assumption about your situation that may not be valid, mainly that your $100K is in an inherited Roth account.

AdministrativeSpot93

Critique my portfolio (long term) 6.5% NVDA 17.2% NVO 15.3% SMH 34.6% VOO 3.3% VOOG 6.8% VTWO 16.2% XLK I am looking to rebalance/consolidate some positions and get into more international markets. I am pretty young and am looking for long term profitability. Thinking about just dumping everything into VOO or VOOG and then splitting those 70/30 with an international developed etf at least over the next 3-5 years as I believe it’s undervalued.

rkundy

i'm a 22 (about to be 23) year old who has lived a very blessed life. i have worked very hard for my money, and currently have it invested as follows. i have about 30/40k of my company stock, about 37k in cash, and maybe 100k invested in various US S&P500 stocks (VOO, VOOG, SCHG), 2k in NVDA (lol) and 7k in a Russel 2000 ETF. I turned off my auto investing buy in march because of Trump - honestly I was terrified. This is the single biggest downturn I've been a part of, and I didn't feel comfortable shoveling more money in when there was no rhyme or reason on the basis for the president's actions. Obviously regret that in retrospect, but now I have a very high cash build up. Will be selling some company stock soon - so will have 50k in my HYSA. Want to keep about 10k of this in cash - but looking for help investing the other 40k. I'm thinking 20k in etf's and 20k in single stocks becuase I should be looking for risk right now. Any recommendations on single stocks? I'm thinking Lucid, Panatir, Estee Lauder? Any recommendations on ETFS? I'm thinking about a general europe fund, a general developed markets fund, and maybe a brazil/emerging markets fund? Any ideas here?

odiervr

VOO / VOOG good options as well. Vanguard ETFs have some of the lowest fees in the industry. They will save you thousands over 40-50 years.

callidus7

First I'd move your SPY to VOO. Lower expense ratio, same growth. At your age, it will make a difference long term. Trade SPY, as it's more liquid, invest VOO. For <5 years? SGOV. For more than 5 years? DCA into VOOG/VUG or other growth type funds. I'd avoid heavily investing in individual stocks until you have a really, really solid foundation and understanding. Instead find a good fun with heavier exposure to the stock you want l. Sites like whalewisdom are helpful.

Dizzy_Win_

If you're asking that question you have some research to do before you put any money into the market. VOO or SPY if you don't want anything specific. QQQ if you want tech stock growth specifically. VUN if you don't trust the ridiculous growth of the top stocks and prefer the stability of the total US market. VOOG if you're young and want long term growth over the next 40 years. VIG for dividends and stability if you're approaching retirement (50+ years old). Or just put it all into Tesla and join 90% of this sub behind your local Wendy's in a few months.

Reddit-phobia

VOOG

Straight-Annual8687

VOOG and chill

Least-Equivalent-266

Don’t ask for advice from this sub. It will either workout amazing or horrendously. This isn’t advice but people have told me ETFs (SCHD, SPY, QQQ, VOO) or growth ETFs (VOOG, SCHG), and if you’re more risky then individual stocks. If you’d like to gamble, then options.

Equivalent-Coat-7605

Actually made three purchases at the bottom VOOG, VOO and NVDA. Sold all three when we first hit the 588 level. Run ups like this make me skeptical. Maybe hop in when the pull back happens and we test a bigger support and hold. I make more trading than the buy and hold. 3~5% a day.

SoloOutdoor

Self directed port 2.3%, fuckn VOOG ports 3.03% I cAn dO bEttEr mYselF 

Changeling88

100%, I can cut back. But academic timelines and salaries being what they are, I'm simply not going to make enough to save up a house down payment in the next 5-7 years purely from wage income. Hence why I saved \~30-40% of my income while in a private sector job. Cutting spending down by half would still mean saving \~$10,000/year for house down payment. The goal is to, before buying a house sometime in the early 2030s, avoid having to sell a giant chunk all at once that 1) incurs massive cap gains/pushes me into a higher bracket for that year, or 2) coincides with a major market downturn, induced by (purely hypothetically) a massive self-inflicted trade war. Under those premises, I'm just wondering whether selling the low-basis VTI and incurring cap gains now is the better move (as they'll have to be liquidated eventually and my tax bracket now is super low), vs no cap gains on VOO/VOOG, and planning on never selling the low-basis VTI and transferring it in kind to charity or a trust.

Wild-Astronomer1200

I got out on a few things and got back in briefly thereafter. I was too heavily invested in the S&P 500. I had a whole bunch of VIGAX index fund through Vanguard and I also had added right at the peak of maybe end of January a whole bunch of VOO and VOOG I sold the ladder for a little bit of loss once the heavy drops came in March and had been stocking up on some LNG and oil related stocks that are in good shape making me money fixing to pop ET and VG by year end, if not sooner, I will have easily recovered all of my losses with the two energy stocks, and the dividends will be nice as I am recently retired Oh, and I’ll almost forgot. I also purchased some SPYI at a really good price after it had to drop significantly. I think I bought in on it about a month or so ago. It pays a nice dividend also

IllBuyYourCar

I was so far OTM today that I lost money, even with a big holding in VOOG 

cut2thefeeling

Sorry buddy:/ i have similar experience. Had decent gains on inverse TSLA and MSTR and didn't set stop losses and was busy at work during the tariff pause tweet and it was not good, they lost like 40%. I also did some penny stocks which was going well until like February lol. And bought some stuff at the top like Paypal, Google, NVDA, LUNR. At least my saving grace is I don't full port stuff so the damage is limited unlike some of the devastating losses we see on here. I was definitely doing better when I kept my cash in a HYSA and had SWPPX for my IRA from 2017-2024 lol, and had VOOG and FNGS and stuff in my Schwab brokerage from 2021-2023 and didn't check on it much. Do you have any plans moving forward? I'm gonna try to take like a month off after getting rid of these 3 puts and then just get SPYI and VXUS I think because I have neither the skills nor inside knowledge to do well in this. I would also like to lock in at work and make sure I don't get distracted

Vegetable_Distance99

> With investment fund you mean eg an ETF right? Rather than picking stocks? Probably would just go VXUS or a similar broad fund until adults are back in charge in the US then you can go VTI/VXUS at a 70/30 or 50/50 split, possibly there will be a good opportunity to buy back into US markets and you might want to go full VTI or VOO/VOOG/SPY/QQQ, whatever seems best given the conditions at the time. Gold is historically very safe, that is it's main benefit, it traditionally does not keep up with securities in terms of returns but it has done very well in 2025 so far and will probably continue to do so for as long as Trump is around trying to manipulate markets for individual benefit and generally wrecking trade with a sledge hammer. The downside of gold is it basically forms a safe haven bubble whenever investors get nervous like they are right now, and the price will almost certainly undergo a reversion to the mean price wise once markets stabilize and investors switch back to mainly equities for the higher returns, which is all to say you'd be better off paying attention so you don't wind up holding a gold heavy position for too long when that happens.

Jasonrj

I had the same realization at your age. I'm almost 40 now and plan to retire in 10-15 years. My wife and I put a lot of money in our IRAs and maxed them for two years at the start but most of my career we have contributed less than half the max and several years were nothing. Getting an early start is so powerful it's hard to really believe. But I've also been invested heavily in VOOG for 15 years and the last 15 years have been unusually great. I'm less confident in the next 15 years but not changing my strategy.

secreteyes0

Context: studied finance in undergrad, did a top MBA, worked in investment management. Your question is essentially “should I invest $300 with some risk in the stock market, or keep $300 in the bank with no risk.” The answer: invest in an ETF (VGT, VOOG, XLV, etc) and don’t keep $ in bank. In 2 years you go to college. In 2 years, it’s very likely S&P500 total Market cap is higher than today, at a rate greater than ~3%/ year (interest rate from keeping $ in bank).

Independent-Way-6036

You wouldn’t be on top by much. I exited QQQ and VOOG (don’t ask me why I had both) and went junk and FBND a couple days before the tariffs started

Awkward_Finish_1002

Growth stocks bro, focus your money on capital growth check out VOO, SCHG, VOOG, SCHX

Prize-Bumblebee-2192

Vanguard funds are way cheaper and unless you’re looking for option exposure, it’s the better deal for VUG or VOOG.

StilgarFifrawi

BUYING! I just took an hit on four CDs that I'd been allowing to mature just to buy in right now. You buy during a down market and I wasted no time this week snatching up two ETFs. (VOOG and SSTOTMKT I)

Hufflepuff-McGruff

I noticed that my two ETFs, $VOOG and $SCHG, have similar holdings and fluctuate similarly with the market. I plan to eventually balance my portfolio better and am seeking suggestions. Should I sell the cheaper stock with more shares or the more expensive stock that l have fewer shares of? I’m 34 and am looking to buy dollar cost average into another ETF until I retire.

Hufflepuff-McGruff

I noticed that the ETFs in my IRA, $VOOG and $SCHG, have similar holdings and fluctuate similarly with the market. I plan to eventually balance my portfolio better and am seeking suggestions. Should I sell the cheaper stock with more shares or the more expensive stock that l have fewer shares of?

KingZant

I put a little more money into VOO and VOOG and while I'm still down from the big drop Im glad I bought a little more long-term stuff while the market was down

NeitherrealMusic

ABB, Always be buying. SPY, VOOG, NVDA, COST, ARM

Overall-Ad8784

First off don't do anything on your end until you're married. Second once you're married have her follow your plan to tackle on her debt. You handle the finances, not her! You're the one debt free so she should learn from you. So that being said whatever she makes she gives to you and you are in charge of the her finances. It used to be men giving everything to the women but unfortunately women are emotional creatures and thus are victims of consumerism and debt more often. 102k debt is basically a condo a nice down payment for a house. 401k contribution I believe is up to 12 to 14k have her put it on some value and growth stocks. After that, The remaining is debt. And have it like that until she pays the debt and then commits with a Roth IRA since her employer does matching thats a priority and we need time and compounding interest for that with the employment matching first. VOO does 14% a year I believe. VOOG, SCHG and QQQM do well above 20% but yea. Have her get into your program dude.

SouthEndBC

I’m buying good companies that are down 10-30%. Bought NVDA, MU, TSM, SOFI, HSBC, BX, APO, and KKR in the past couple of weeks. Also bought VGT and VOOG today - at relatively low prices.

SouthEndBC

Yes - the other $5M is in a combination of callable bonds (ranging from 5.75-6.45%), SGOV, FCNTX, VOOG, and individual stocks (only about $400K in stocks).

VirusesHere

If that's your entire port I would only use 21k for options and the rest in an ETF like VOO or VOOG. You can head over to thetagang, but they'll dunk on you if you don't know your stuff.

Jasonrj

That's "only" 15.5% compounding for 15 years with zero additional contributions. Only 11.2% annually if they also add a $300 monthly contribution. It's very easily possible If the next 15 years is like the last (no guarantee, maybe unlikely). VOOG has a 16.3% annual return since Inception which was in 2010, about 15 years ago. That's where most of my money has been for 10+ years.

NothingButTheTea

When the market didn't move on the delayed Mexico tarrifs, that's when I knew. I should have sold VOOG b/c of Tesla, but i forgot. Oops.

BoogsieIsMyCat

Pay off any high interest debt immediately. Put some aside for a down payment. Put the rest in VOOG. Congrats, you won.

Terckon

VOOG

Z8beema

VOOG

ICOrthogonal

Yes. Excellent time to get in. I recommend VOO, VTI, VOOG, or SCHD. Check ‘em out!

Significant-Word457

Now is probably the time to DCA a stable S&P ETF. I like VOOG, but the drawdown on the incoming hardships on that will likely be longer than VOO sincebits a tad more aggressive. Send it into the market over time, DCA will likely save you some cash in some transactions and give you a better average rate in your transactions.

dont_u_me

2022 wasn't a crash. In the event of a real crash, I'd probably just buy VOO/VOOG/VTI. BRK.B might be the only individual stock I'd try to buy on the dip.

pinballrocker

People still do mutual funds? I'd go 5% cash and everything else in the market mostly in VOO, VOOG, QQQ, SPY, and maybe some JEPQ.

battlecarrydonut

VT for world VTI for US VOO for S&P VOOG for growth (mostly big tech currently) If I were to do a 4 fund portfolio using these, I would do the following: 50% VOO 20% VOOG 15% VTI 15% VT

battlecarrydonut

Why TRBCX when VOOG had twice the yield in the last year for 1/10th the expense ratio

Runswithchickens

VOOG up 25% for the year. Can handle a few more beatings. I hope.

Aces_Cracked

As long as you have the convictions to hold onto them during the downturn, you should be fine. My entire net worth is invested in 3 stocks (MSTR, PLTR, NVDA) and 2 ETFs (VGT and VOOG). Just going to let it ride for the next year or two before I reassess what to do.

Denpants

No single stock is worth holding long imo. Especially when there are so many great aggressive growth index funds like QQQ, SPYG, VOOG, VUG, VONG, SPMO, XMMO, XSMO, SSO All of these can easily net 20%+ in a good year

Far_Lifeguard_5027

Sell everything and get a growth ETF like VOOG or VUG. If you want high returns, go with a tech heavy ETF like QQQM or VGT. You're 30 so you should be taking on maximum risk while also not being over concentrated in stocks.

Charming-Charge-596

I have *most* of my money in ETFs and got lucky with the Vanguard Technology ETF over the past several years. Since I'm old I diversified into bonds and added a small cap ETF recently because small caps have underperformed over the past several years. It's time for that pendalum to swing. That's my 403B. I have a ROTH with core positions in VCR, VOOG, Amazon, Walmart, ABBV and added BABA last month. (I just love BABA and always have, I had to cut it loose when it fell a couple years ago). I also have a *fun* account I trade options in with core positions in VGT and NVDA. My highest convictions right now are HIMS and NBIS. I also like ZBRA and have been waiting for it to fall, which it just did. We'll see where things go. HIMS earnings is this week so it'll run up, but who knows after. Personally I think it's a gold mine and will blow out earnings and run further up, but I have been wrong before. TEM looks really good also but it's volatile so if I decide to jump back in I'm waiting for a bad market day. Those AI health care stocks seem to be doing well. I like to buy LEAPS with options in my fun acct. This gives me a lot of time to become profitable, but I don't necessarily keep until close to expiry. I only play around (options) with about 40k or so. I will never make a million in a week like some on here, but I won't lose a million either. I have fun and keep my losses minimal. I have a deal with myself that when I turn a nice profit (up 50%) I sell a few of whatever stock or option that is and buy more VCR, VGT or VOOG. I don't ever sell the ETFs or core positions in Amazon, Walmart, ABBV, NVDA and now hopefully BABA as long as it continues to show strength. If I need funds I have to sell another stock or add money. IMO, putting a % of my winner stocks into the ETFs and NOT SELLING THE CORE POSITION STOCKS are the keys to success.

Overall-Ad8784

Get into ETF professor G from YouTube breaks it down. Vanguard and Fidelity are two of the best retirement accounts. Talk to their customer service and see which one you like more. Go into Roth IRA and build your safety net. Remember you have 7k to put your money into a year. Idk your situation but something is better than nothing. Look into ticket symbols VOO, VOOG, SCHD, SMH these are few examples of ETF. Good luck

Technical_Pin8335

VOOG has been my best ETF performing vanguard stocks

SellCallPut-TSTC

Do the Bogle heads VOOG 103% past 5 years.

calculated_man

Buy VOOG.

SpicyNuggs4Lyfe

Fucking lol VOO is a legitimate 401k strat. Within 5 years of retirement I'd likely start diversifying a little bit more. I pay into a pension fund, but my HSA and side action Roth are both 100% VOO and VOOG respectively.

MaxwellSmart07

You are right. VOOG won the 2024 Derby by a nose. Before that it didn’t place or show.

Big-Dragonfly2482

VOOG has them beat for the last 12 months. Just making myself feel good lol. I think it's lower end for 10 years. Probably less drawdown if that matters. More conservative growth?

Oldmanram1

VOO VUG VOOG MGK MAGS VGT XLK SMH My ETF formula , why mess with something that is not broke , 2023 return 36.26 % 2024 return 25.69 %

Oldmanram1

Way above my pay grade , small caps have way underperformed the last 10-15 years , granted , and MAY POP soon ........BUT you have to ask yourself are the mega caps going to just fade away ? They may not be the highest returns for 2025 , BUT , I've had 37% and 32% growth the last 2 years , 2023,2024. So If they take a little break for awhile , say 9 months and just go up 6% on the year , Is that BAD ? I think I'll just stay my course, Stay with VOOG/ MGK/ VUG/ SMH/ MAGS ...and not have to worry about reallocating, AND CAPITAL GAINS on my portfolio's. And then when that phase is done , Reallocate AGAIN ? No thanks , besides it would be way too expensive to justify ..... Cap Gains $$,$$$.....

Oldmanram1

This is just me , I am going to trim my small cap allocation, interest rates not going down anytime soon, besides they are the first to go down in any sort of problems with the economy, and lets face it , the current people in charge are Drama Queens and just love stirring up the pot, not good for stock prices , unless your betting on the VIX going up. Probably go into VOO or VOOG , I think that MGK , and MAG7 , XLK , and tech has had a good run. Market will probably be broadening out , but I want to stay with large cap High Quality stocks. Just my 2 cents , spend it anyway you want

exo-XO

Index fund etfs for S&P 500, Nasdaq, Russell 3000. Look at VOOG, QQQ, and FXAIX (VGT has been the highest return but tech is taking a hit right now). These are bundles of high tier, successful stocks managed by a broker/management team. It is like a 401k, but dedicated to stocks within that index. The average return over 10 years has 13%-20% APY, depending on the ticker. You don’t get taxed on your principal gains, unless you sell. You will get pieces of the dividends that the fund gets, but it’s minuscule (you will have to pay taxes on those) The market will go up and down, but over time it averages out and you have to not panic sell. Time works on your side with compounded interest (TVM). If you started $0 PV, $250/month today, at 15% APY, in 30 years you’d have $1,700,000.. The market is too high for any reasonable ROI margins for real estate right now, not to mention the stress involved. HYSA, MMA & CD’s are low risk, but low returns and you have to pay tax on the income. T-bills and bonds are their own caveat, but the returns just aren’t comparable to the index etfs for me to get involved with imo Crypto is a hype boat and the intrinsic value is moot for most coins. Ethereum and Bitcoin are the only arguable solid blockchain and the rest memes built on ethereum or another top blockchain. Bitcoin is great, but I don’t know how it ever made it this far..

PleasantTrust522

Incredibly stupid answer, particularly for an investing sub. "Growth" is an equity factor, and the opposite of the “Value" factor. https://www.msci.com/documents/1296102/8473352/MSCI-SingleFactor-Growth.pdf Factor theory is a foundational pillar of modern finance. You can look up Fama French factor models if you want to learn more. Going back to the S&P 500, you can actually split the index into two distinct indices: “S&P 500 Growth” and “S&P 500 Value”. VOOG (Vanguard) and IVW (iShares) are ETFs that follow the S&P 500 Growth. VOOV and IVE follow the S&P 500 Value. Obviously, you don’t necessarily have to buy an S&P 500 ETF. QQQ, which follows the Nasdaq 100, is the world’s most famous “Growth” ETF, but there are hundreds of others. An investor can absolutely prefer having a “Growth” tilt in their portfolio for various reasons, and it is a perfectly reasonable discussion subject on an investing sub! People are allowed to buy something other than the S&P 500 without being lectured by morons with zero investing expertise. Especially not by those who don’t even know what an equity factor is.

freyyers

You want the one listed simply as VOO (not VOOG or VOO.IV). VOO ARCA is NYSE and MEXI is Mexico. ARCA uses USD and is the one most refer to.

Electronic-Maybe-440

Ciscos still ingrained into networking hardware today. The stock is never the company, great company and will be around forever, doesn’t mean current valuation is accurate for 3 years from now. Maybe 20 years? Maybe 1, maybe 100. VOOG still has great exposure if needed too

InjuryIll2998

VOOG (Vanguard S&P 500 Growth ETF) seeks to track the performance of the S&P 500 Growth Index, which is weighted by market capitalization. NVIDIA (NVDA) is a significant component of this index due to its large market cap and status as a growth stock. If NVDA drops 10% in a day, here’s how VOOG reacts: 1. Immediate Effect on VOOG’s Price: • The price of VOOG will decline, but the extent depends on NVIDIA’s weight within the S&P 500 Growth Index (and consequently in VOOG). • For example, if NVDA constitutes 10% of VOOG’s holdings, a 10% drop in NVDA could directly result in a 1% decline in VOOG’s price (10% × 10% = 1%). 2. Other Stocks Mitigate the Impact: • VOOG is diversified and holds many other growth stocks. The performance of these other holdings (e.g., Apple, Amazon, Microsoft) will either cushion or exacerbate the impact, depending on their individual performance that day. 3. Index Tracking Mechanism: • VOOG doesn’t take any specific action to “account for” NVDA’s drop—it passively tracks the index. Any movement in NVDA’s price is automatically reflected in VOOG’s net asset value (NAV) through its proportional weighting. To understand the exact impact, you’d need to check NVDA’s current weight in VOOG. Read number 3. Yea this is from ChatGPT, but I think number 1 and 3 describe pretty well how I think about this.

Boou91

Free % points as in annual gains? Sure VOOG has done better the past decade or more, but that is not a given going forward. Who knows how much longer large cap growth will outperform. Hindsight is always 20/20, unlike foresight. ;) Actually I think value is due for its comeback anytime now. VTI and VOO track pretty closely. I just go with VTI so I’m tracking the entire US stock market.

SpicyNuggs4Lyfe

Just curious - why VTI and not VOO or VOOG? You're giving up some free % points, at least over the last 15 years.

Bobbert84

Take profit ASAP and get at least 75% into the mag7 or VOO/VOOG or some other ETF. You already won, so don't be too greedy. As for the other 25% Honestly i really like LUNR and RKLB as long term plays, But remember you don't need 50 million dollars (hopefully) to be happy. You can comfortably quit work for 4-5M I'd imagine and live off dividends/profits pretty damn well. Better to make sure you lock down getting there before 40 than trying to get there in 3-4 years and blowing it all by being too risky.

No-Race-4736

VOOG.

EdenSilver113

Without being snarky I said I wasn’t comparing apples to apples because I KNOW they are different. Each product was carefully chosen to meet specific investment goals. I mention them because I rarely see folks recommending SWPPX or VOOG. Don’t you think it’s worth mentioning things and letting folks look it up to learn if the product will meet their needs? That’s how I learned about these and decided to spend my coin that way.

EdenSilver113

I have SWPPX and it has outperformed the VOO my husband bought at the same time. I also have VOOG. I’ve yet to set up a comparison sim to see how they would have performed if I’d bought VOOG and SWPPX at the same time. But without that info SWPPX in my portfolio at a glance is doing better. I’m 100% sure I’m not comparing apples with apples. Maybe someday I will run a sim. Honestly. Why bother? They’re both doing great.

EdenSilver113

I have VOOG because it’s what I bought. It’s good too. I have lots of time. I’m happy.

Beneficial_Goal1766

Try VOOG and chill.

Moki_Canyon

No financial advisor would suggest this, but I'm 90% VGT. It has outperformed any other Vanguard fund over the last ten years. Okay VOOG has done well this last year, but I mean for years. "Don't put all your money in one sector"...but how can tech do anything but continue to grow. My other 10% is 5% cash, 5% risky, like going to the casino. Except I've been buying RCAT, LUNR, ACHR...more tech! I guess what drives me is the Rule of 72. Will I regret this, and wish I had bought finance, energy, real estate? Maybe. Meanwhile I've seen my money double. And double again.

RagnarokWolves

Pure S&P 500 through my Roth 457. Roth IRA and brokerage are VUG. (Might switch to VOOG)

BigBritches619

VOOG is goid to its basically the same

duh_cats

Not even for me. $VOOG was still up like 3% on the month at the bottom of the blip. Wasn’t really even a dip. There was a legit dip in July that was a fantastic time to buy.

Based_Commgnunism

VOOG and QQQ are the same thing. VOO, VTI, SPLG, ITOT are the same thing. Pick two. VTI & QQQ, SPLG & VOOG, whatever you like best. One total market or s&p fund, and one growth fund.

Sugamaballz69

So much overlap. SPLG & VOO are the same fund all together. ITOT virtually the same as those as well. Same with VOOG. 4 funds that are pretty much the same. I feel like people do this for what they think is diversification, but its not, its complication with no lesser risk. These funds are already heavily diversified, keep it simple. You can simplify all these to just VOO & VTI, and you should