VPU
Vanguard Utilities Index Fund ETF Shares
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the Real Estate and Infrastructure sectors is a good choice to invest in 2024?
Puts on $INTC. Intel Meteor Lake Analysis - Core Ultra 7 155H only convinces with GPU performance
Rebalancing portfolio for growth and being tax savvy - is this a good plan?
Critique a 1.8x leveraged portfolio strategy that relies on 3x levered ETFs?
100k usd to deploy from car sale proceeds (I dont need this money in 25 years) - Dumping in utilities a good bet?
What I'm using to outperform $SPY in the current market.
YoLoIng with A leverage ETFs!!!!!!!! to buy RENTAL HOUSES!!!$$$$ 38% TQQQ 38% VGLT 12% VGIT 6% IAU 6% VPU. Rebalanc3 every 3 months and keep adding money whenever I can , currently down but will go up when Market goes back up.
Rate my ROTH IRA, just started a few months ago with recurring investments into a few stocks and etfs.
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Yes, i started looking at TQQQ, and thinking about some VPU investments, but with the starting cash, it is hard to jump right into. Many large investments are possible in fractional shares, but the market cycle can be months at a time without much growth.
No more trading for you. This will suck ass, but you can still claw your way out: Work, invest 75% in $VOO & 25% in $VPU, set both to DRIP & don't look at it or jack with it (hopefully your name isn't Jack). Learn Lean methodologies & live Lean. Come back to r/WSB & post a screenshot when your account hits $100k. Long & tedious, but do-able.
It does make sense at this time, IMO. I’m eyeing some VDC and VPU this week to put some cash to work. Not investment advice, of course.
Look at UTF share price vs NAV and then look at VPU & MLPX and please tell me why the gap is that large thank you
My only greens are baba bidu costco VPU VNQ
Which utility companies would you recommend looking into for long-term investments? Or perhaps it may be worthwhile to buy an ETF like Vanguard's Utilities ETF (VPU)?
I'm still buying fractional shares of OGI, MSOS, and recently ACB every day. I jump into OTC to buy individual MSOs when we get some substantial dips. That's not changing until sentiment brings these prices in line with the coming improvement in fundamentals. If we have a long bear market, it gives me time to accumulate slowly or change course. Outside of weedstocks I'm looking at: Pawn shops - FCFS, EZPW Tobacco leaf merchants - UVV Precious metals/rare earths - MP, REMX "Old economy" exposure - BRK.B, VPU
It makes sense for income flexibility for some people though. I mean, invest in stuff like SCHD, VPU, VIG and get decent growth with a 3.x% return. $1m portfolio gets you $30k in money that then can be used to buy the dip or fund the lifestyle
Not sure why you tossed RAG in there. Those companies are spending tens to hundreds of billions buying AI "accelerators", a market nvidia basically had to itself with the bestest, most capable ASICs. Only now it doesn't. And just to be clear, a "GPU" is some general purpose functionality coupled with some specific functionality. Precisely like every other option. An Ironwood tray is 4 TPUs (with 768GB of HBM3e) along with an Axion ARM processor. If the market decided that it really wanted stream vector functionality to process billions of FP64 values, this would be added on the ASICs alongside the MXU, VPU and SparseCore. Positively no one is buying hardware based on some flexibility that they don't use currently.
Hi guys I’m from Brazil and recently started investing in the U.S. My goal is to keep this portfolio for the long term and use it during retirement (around age 65–70). I’m currently 35 and investing now 500k USD (actually ~50% of my net worth). Here’s my current allocation, and I’d love to hear your thoughts: • 25% QQQ • 12.5% VOO • 12.5% VT • 10% BIZD • 10% VNQ • 10% VPU • 5% IBIT • 5% GLD Not sure if I am beeing too aggressive. Thanks everyone :)
I took a quick look at utilities etf charts. It looks like they crash just like everyone else. VPU crashed 35% during the 2008 crash.
This .... buy VPU. With the Ai boom energy prices are going up. This ETF gives you a lot of electricity providers and paid a 2.6% dividend.
Yep absolutely agree. I was also surprised that O and VPU dropped. Some lessons to be learned :)
I’m the same-I reallocated into healthcare like UNH, ELV, NVO, realty (O) and mining (CDE). Will probably add VPU tomorrow
Everyone is being too kind to you and not being honest with you. The truth is, you played a game without knowing the rules and then you try to blame the game. You didn’t have to do any of what you did. I know it’s hard but don’t look at it as you lost all that money. Look at it as though you paid some stupid tax for an education that will last your entire life. You will now be more cautious in every risk you take and over your lifetime, you will make it back. The good news is you are still young. As far as the S&P goes, if you want a lower risk longer term investment, look into the energy sector funds like VPU, UTES, and whatever spider fund covers that. The power production is going to go through the roof for the next 30 years. This sector along with tech will be the two leading sectors. The upside to the power sector is they don’t have the big downswings that the other sectors do.
Make sure you set aside enough for applicable taxes. There are always reasons why the stock market is about to crash. At 19, you have a long timeline ahead of you before you’ll need that money in retirement. If you want to keep it simple and lower your risk profile, you can buy some target date retirement funds, the closer the year is of the fund to the current year, the less risky it will be. If I was in your shoes, I’d go with some combination of VOO, SCHG, and VPU if you wanted to have a “safe” play. There’s risk in everything, including doing nothing. Choose what you’re comfortable with and keep working hard, sounds like you’ve got a strong income stream at a young age and is a huge advantage for your long term retirement prospects. You may want to talk to a professional advisor if a SEP IRA or self employed 401k (I’m forgetting the exact terms) are a good option for you.
I’m 65 and really believe AI’s growth is going to put huge pressure on our power supply and its one of the smartest long-term trends to invest in right now. I’m keeping it simple and sticking with strong companies that already pay solid dividends and are benefiting from this shift today. For me, that’s VPU for broad utility exposure, DUK for steady income, and NEE for some extra growth from its big renewables pipeline ; a company even Nvidia’s CEO has praised. It’s my way of staying in the AI-energy story while keeping my portfolio steady and productive. If your on this chat, we’re all thinking smart. Good luck all
If you're looking to rebalance your portfolio and not do a ton of research, then I would put it all in index funds. Below are some that I like. VOO - probably the most commonly recommended one, its an S&P 500 fund SCHB - a broad market index fund covering (I think) 2500 companies SCHG - large cap growth fund VPU - a utilities index fund (I'm guessing the AI demand will keep energy demand high) To be honest, there are so many variations of the above and everyone has their own personal preference/mix. Look at expense ratios of the etfs and what the fund covers and invest where you feel comfortable. Trying to pick individual winners is hard enough for the pros, keep it simple and build your nest egg. Individual picks should be a relatively small percentage of your portfolio unless you really know what you are doing.
XLP, VPU, XLE Consumer staples, utilities, energy
Look at adding in some dividend stocks such as SCHD, and VYM. Also check out defensive sector areas such as VDC, and VPU.
utilities $VPU. People have to pay their bills, no choice
Super high expense ratio of 2.23% though - the broad market funds like VOO have 0.03%. Interesting, thanks for this though, I am going to explore more utility funds. VPU has an expense ratio of .10% and tracks SP500 utility companies. IDU has a .4% expense ratio - how come you go UTG instead of these others? Is it the higher dividend yield?
I’m not that young (51). I don’t know when I plan to retire because I really don’t work now. I do some things from home for passive income but my husband is very close to retirement age and has terminal cancer. I was still very much in the positive even though I did lose a lot of gains. I took 1/3 out which was mostly VOO because it was causing me way too much anxiety. I still have quite a bit in my retirement (mutual funds), some VTI, VXUS, VPU, and others. I’d rather have what was in VOO in a money market fund which I’ll put in Monday after the trade is done. I’ll leave it there until all this mess is over and ride it out over the next few years with the rest of it. I just took the losses and I’m fine with it. In my eyes, it wasn’t a loss because I never had the money to begin with that was there at the end of December unless I had cashed out.
CVX, XME, VPU looking good imo
This thread never goes the way anyone wants, because nothing in this category gives a return that beats the total market. The argument comes in for consistency and safety, so utility funds end up being like equities that hang out with bonds in their off time. If you're buying broad market ETFs, you're fine. People whine about sector plays all over investing subs, but it's a moot point. Every single Vanguard sector fund has beaten the Risk-Free Rate over time. All of them. You could label kitchen spices with the names of them, pretend you're a 5 year old with them for 10 minutes, make a portfolio from the resulting mess, and it'll probably beat a bank account. That's without even getting away from Vanguard. Broad market is broad market, it's basically just a question of how much downside you can stomach, with the spectrum view ranging from VPU to VGT.
VPU, AWK. Energy and Utilities and Debt will be the story of 2025. I'm putting big stocks into XOM, APO, and VPU.
First thing I'd say is, don't get too caught up on what your choices have been so far. Like it's easy to kick yourself over, "Aw man I've left $$ on the table for years." But that's out of your control; all that matters are the choices you make from here on out. $250k cash reserve is certainly conservative; that's a substantial reserve. Something to consider - since you already have a month cadence investing into your Fidelity account, you could consider slowly "deflating" the cash positions and moving some of that principal over, not just the interest. Like $10k a month through the end of the year. That would smooth things out against volatility. That also gives you time to consider what you want your portfolio composition to be. Not bad to be heavily into equities in your mid-30's. But for the long term, do you want to be *all-in* on US equities? (VTI). Is it worth considering international exposure, and moreover positions that have some lower correlation to US markets? Could be VXUS for international. VNQ or VPU for specific sectors. Lots of options.
Here are my goals for 2025. I plan to lump sum my IRA max in early January with the following ratios: 1. VTI - 60% - (Growth) 2. SCHD - 15% - (Value) 3. QQQM - 15% - (Aggressive growth) 4. AVUV - 5% - (Small cap) 5. VPU - 2.5% - (low volatility utilities) 6. PPA - 2.5% - (defense fund for a dangerous world) After this is complete I wanted to flesh out a portfolio for one year with the following holdings. I know its often recommended not to have this many individual stock and that I should only focus on my top 5 choices, but after tons of reading I think this portfolio will serve me well with some stocks providing above average growth, some providing dependable dividends, and others that I can use to hold for slow but steady growth that can also be used to write options with. Besides these I'd also by contributing an additional $500 per month into VTI 1. Microsoft - 10% 2. Applied Digital - 10% 3. AMD - 15% 4. Archer - 10% 5. Lunar - 10% 6. Microstrategy - 5% 7. Google - 5% 8. Walmart - 5% 9. Taiwan Semiconductor - 5% 10. SMCI - 5% 11. Palantir - 5% 12. Visa - 2.5% 13. Lululemon - 2.5% 14. Blackrock - 2.5% 15. Pfizer - 2.5% 16. GE - 2.5% 17. Key Bank - 2.5% Are there any glaring holes or things that I'm spreading myself too thinly with? I have a horizon of over 10 years so a bit of time being down doesnt bother me too much as these all would be long term holds for me.
Here are my goals for 2025. I plan to lump sum my IRA max in early January with the following ratios: 1. VTI - 60% - (Growth) 2. SCHD - 15% - (Value) 3. QQQM - 15% - (Aggressive growth) 4. AVUV - 5% - (Small cap) 5. VPU - 2.5% - (low volatility utilities) 6. PPA - 2.5% - (defense fund for a dangerous world) After this is complete I wanted to flesh out a portfolio for one year with the following holdings. I know its often recommended not to have this many individual stock and that I should only focus on my top 5 choices, but after tons of reading I think this portfolio will serve me well with some stocks providing above average growth, some providing dependable dividends, and others that I can use to hold for slow but steady growth that can also be used to write options with. Besides these I'd also by contributing an additional $500 per month into VTI 1. Microsoft - 10% 2. Applied Digital - 10% 3. AMD - 15% 4. Archer - 10% 5. Lunar - 10% 6. Microstrategy - 5% 7. Google - 5% 8. Walmart - 5% 9. Taiwan Semiconductor - 5% 10. SMCI - 5% 11. Palantir - 5% 12. Visa - 2.5% 13. Lululemon - 2.5% 14. Blackrock - 2.5% 15. Pfizer - 2.5% 16. GE - 2.5% 17. Key Bank - 2.5% Are there any glaring holes or things that I'm spreading myself too thinly with? I have a horizon of over 10 years so a bit of time being down doesnt bother me too much as these all would be long term holds for me.
30% VOO, 30% VTI, 15% VXUS, 5% BND, 5% VNQ Hold the other 15% in cash in your brokerage account to be able to make moves when you need to or buy defensive sectors like utilities VPU and consumer staples VDC to hedge against current market volatility. I’ve made a ton of money with that exact portfolio…. A TON OF MONEY! Holding VTI and VOO together they have 87% overlap but as you build more wealth you can buy and sell between the two for tax harvesting purposes. As you build wealth you can get into income equities. I also hold VYM/VIG/SCHD and I split my dividend allocation equally across all three. They all implement different strategies for income and track different indices as their benchmark. In the beginning you’d be fine to go 100% VTI or VOO until you build up at least 20-30k then you can diversify as above.
Split evenly between VGT, VPU & VOX
Don’t select individual stocks. Stick only to ETFs. Also as tariffs and trade wars and deportations and mass government layoffs impact the economy. Also boomers are going to be pulling their 401k money out over the coming years and that will likely depress things a little… so consider staples like healthcare and utilities that are fairly steady… you can put off that purchase of an Apple computer or an Amazon buy. But you still need lights and cancer treatments if you get sick. These Vanguard index funds should grow at a steady pace of you just let them sit for a few years and don’t touch them on daily fluctuations. VOO 20%, VPU 30%, VHT 30%, VTI 10%, VGT 10%
NVDA is riskier because it is one stock concentrated entirely on AI computer chips. I am holding long (several years). Those bonds are called TIPS. The easiest way to get exposure to them is buying shares of a tips bond fund, such as VTIP since you’re on Vanguard. Same goes for Utilities ETF’s and Healthcare ETF’s, you buy shares of the funds that provide broad exposure to many such companies in those sectors. Examples: VPU and VHT.
So you want low risk and high reward, which doesn't exist. Why not build a well diversified portfolio to mitigate changing market risks. Start with the basic three, VTI, VNQ, and VPU. More focus on VTI, perhaps a 70/15/15 mix.
How should I invest for my goal described below? * My saving goal is for a house down payment in 3-5 years. I'm flexible as to timing so kinda want to wait for a downturn to get a home. I have 75% of down payment saved in a CD ladder. However, as rates are slowly going down, I want to have some savings elsewhere. * I already have healthy tax advantaged retirement accounts (mostly SP500 and a little of bonds & international). The goal of this portfolio is to have OK return during a downturn. Best case scenario for me would be making some money during that time to increase my downpayment & have more options when it comes to purchase a home. * Should I buy defensive stocks (VPU/FHLC/FSTA), or gold mine companies? Or should I look into bonds (feel like I don't know enough to successfully invest in bond other than for volatility hedge in my long term retirement portfolio)? * Very new to investing and appreciate thoughts and guidance on the appropriate portfolio composition.
It's plenty diversified, it's built in through a market cap weighted index. But if you want more diversification, you can open up a Roth IRA and get another index. Try VONG, maybe add a little VNQ and VPU, more focus on VONG.
i got some VPU, boomer shit, was down 2% today w the rates
Sitting in VPU collecting dividends instead of taking risks Dividends are anthema to high performing stocks
Go with SGOV for now, but when SGOV div yield drops below 4%, maybe switch to VNQ and VPU. But SGOV is still good for an emergency fund even if the div yield drops. SGOV should not be affected by big market swings, but VNQ and VPU will, keep that in mind. For long term but and hold investing I still recommend VTI, VOO, or VONG.
Learning about value investing is fine, that way you will know how to switch from growth to value when you retire. When your young growth should be your focus. Diversification is still key, so index funds, try VNQ and VPU.
Buy VOO, VNQ, and VPU, start there. More focus on VOO, 80/10/10 is fine. Now start learning about investing, you're taking 100% of the risk, so learn to manage your own money.
They should diversify so that they're still exposed to the parts of the market that will be winning when tech is not. Example: VPU (literally utilities) is currently outperforming VGT (info tech) year to date. Sounds insane, but go line them up together and look it over. You missed bigger gains in obvious categories if you were all in tech for the last year, and the last year was the best run for tech in recent history by a power gap.
Question about hedging in my retirement accounts - Roth and 403b (not my personal account - I experiment with that one): Thoughts on value ETFs, e.g., VTV, VYM, SCHD? - I've been hedging with value ETFs because I thought the market was overvalued, but now I'm *worried* about value ETFs because they contain a lot of financial companies and banks. Maybe it's because I came of age during the GFC when the financial sector did badly. Am I overthinking this and worrying too much? Thoughts on utilities ETFs, e.g., VPU, IDU? - Want to lean into utilities more heavily, but they're expensive right now since a lot of people are piling in. Should have grabbed them when they were cheap, lesson learned (retroactive investing is the easiest form of investing). This stuff is hard. Thanks, good luck to everyone.
I know it takes some of the fun out of it, but in the long run, the odds are against you beating VOO. Yes, VTI is great too (I have a large position in that as well), but VOO does seem to exceed it slightly even over longer time horizons. \[C[hart](https://finance.yahoo.com/quote/VOO/chart/#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--)\] On the other hand, if you want to have a bit more fun and tweak your allocations according to macroeconomic trends (or your own educated guesses), look into some low-expense sector ETF's, such as VCR, VGT, VDE, etc. (I prefer Vanguard because they're inexpensive and I'm used to them.) I recently bet on the lagging utility sector (VPU, XLU), and it seems to be working out nicely. And if you want to be aggressive, there's QQQ (or VGT). I also have a core position in BRK.B, which is kind of in a class by itself, although who knows what's going to happen post Buffett. I've been in the markets since 1988, and the more I learn, the greater my ignorance. Conversely, the less I trade, the better I perform.
Put some in fixed income (bonds), utilities (VPU), gold (GLD), U.S. equities (SPY), foreign markets (ILF). The key is to diversify. Ai progress isn’t slowing yet so it’s still not a bad idea to keep some in Ai related stocks. OpenAI just released a new architecture that could increase chip demand and they are likely going public next year. Add in the shift to robotics once they get better multimodal LLMs and you’ve got more hype.
Dividends are great if you’re retired and need income but tax free growth beats reinvestment and dividend stocks aren’t generally growth stocks. I’m retired and have about 10% in VPU that I bought at the beginning of the year. It’s up over 20% ytd with a 3% dividend. Also have some bank stocks. That said, the vast majority of my dividend income is from VOO which is about 65% of my holdings.
lol sure VPU beats it short term. Do the same over 5 years. VPU performed better over last 6 months (19%) than last 5 years (18%). VGT over 5 years is 148% - not even close
For a good time: put VPU and VGT on a chart together, then set it to 6 months.
Kind of the point with VNQ, its a REIT index, diversity is built in, so no one company or sector can sink the ship. You can use the link below to see the various REIT sectors the index follows. Sectors like Data Centers, Telecom, Health Care, Self Storage, and Hotel/Resorts, to just name a few. VNQ is Market Cap Weighted, kind of hard to sink that ship. Now add VPU with VNQ and VOO, and you have a very well diversified portfolio, maybe add a little international, if you want. [https://investor.vanguard.com/investment-products/etfs/profile/vnq#portfolio-composition](https://investor.vanguard.com/investment-products/etfs/profile/vnq#portfolio-composition)
So diversify with REITs and utilities, perhaps VNQ and VPU.
I bought a large amount of VPU in February. It’s up about 20% since then. Most of the value is in the dividend. If we see those rise as debt payments fall we should see more growth.
Since everyone else is just saying "lol don't", I'll bite. I don't have a lot to offer though, I just started looking into it. So far I'm comparing sector indexes seeing how they perform against each other and monitoring the realities. Take a look at the 1M, 6M, and YTD comparison for VGT vs VPU to see where my mental track is right now. Obviously, everyone would say that tech was parabolic in 2024, investing in anything but tech would've been dumb, right? Well, no. Utilities is a defensive sector, where tech is sensitive. It's risky and speculative. So... 1M: VPU kicked VGT's ass, there's no other way to put it. Over the last month, going for tech was stupid. Utilities were the answer. Why? Well, we all saw that hilarious string of days a couple weeks ago. Relevant? Probably. Utilities do well in bad markets because they're essential. So it makes sense that when the market scared people, utilities beat tech. 6M: This is a less predictable, and I'm still sitting on my thoughts with it. VPU kicked VGT's ass over the past *6 months*. How? Not sure, I'm stalled on how anyone could've called that one. I also see absolutely no one talking about it, despite all the wannabe market timers who post constantly. YTD: This is where finally, tech looks obviously like a better move. This point in the chart timeframe is where people will generally see what they expect to see. So... wannabe market timer games and within the early stages of learning how to track sectors, my questions would be: who saw this happen over the last 6 months, did you catch utilities, and were there other sector comparisons that were even more unexpectedly dramatic?
Yep. I've got NVDA, AMD (just in case), TSM, and VPU due to all the new data centers. But I will definitely add ARM next.
Jump back in. Never doubt NVDA, it's going to be worth 10 trillion within 2 years. Or spread your risk and add TSM, AMD, and VPU. But don't listen to the "bubble" people who only think it's a bubble because it's gone up so much and don't look at the fundamental changes AI will bring.
This is disappointing.... I bought VPU today
Most of my portfolio: 🔥🔥👨🏼🚒🔥🔥 NEE and VPU: 🦅
Just bought a utilities ETF (VPU). That's where people are going now. Read the manufacturing report and the latest jobs report. Both bad news.
For real estate there's VNQ, Vanguard's REIT ETF. When I first bought it ~15 years ago I thought it was supposed to be sort of a middle ground investment, safer than stocks and a bit riskier but higher return than bonds. Reality hasn't quite worked out that way. VNQ's volatility has actually been worse than a total market fund and the returns have been lower. Past performance is of course no guarantee of future results. If you want dividends the best bet might be VPU (vanguard utilities ETF). Over the past few years it has actually been a safer investment than BND while throwing off nice dividends.
VPU up. Sector rotation out of big tech
Risk is very correlated with timeline... Very short timeline, almost everything has high risk. The longer the timeline, the more the risk drops. If you're looking for lower risk, you might also consider lower-risk sections of the market. The "value" side of the market tends to be more boring and less volatile -- stuff like VTV or VOOV. And certain market sectors tend to be lower risk too... Healthcare, Consumer Staples (think Wal Mart), Utilities are the big three. Everybody needs those things regardless of market conditions. Their returns are lower than VOO, but the downside tends to be less too. Vanguard's sector funds for these are VPU (utilities), VHT (health care), VDC (consumer staples). These can of course be bought alongside whatever else to nudge the portfolio in one direction or another. Nudging it to higher risk/return would probably be stuff like QQQM and VGT (Vanguard tech sector ETF)
Im more on the utilities ETF train 🚂 $VPU all aboard!
VOO and VTI are core investments. VOOG adds some risk. VGT even higher risk reward. I’m retired so I need some less volatile income producing investments. VPU is 10% ish of my portfolio. Just bought it this year and it’s up almost 20% plus a 3.5% dividend when I bought it. I also have some VDC but it’s doing much which is what I expected.
IWM will complement SP500 by diversifying into small caps in the Russell 2000. It’s also tech heavy as most funds are unless you seek sector specific funds. You could look at IYK for consumer staples, or VPU for utilities. Most people think just one fund portfolio in the SP is good for younger people though.
There are a number a good opportunities to capture fairly safe income now: - Long term investment grade corporate bonds (VCLT) are yielding 5.85% - iShares Preferred (PFF) gives income and some long term capital appreciation potential, and yields 6.41% - For a bond alternative which will give them some income (about 3.5% yields) but also growth over time, consider a Utility (VPU) or REIT (VNQ) etf.
XLU and VPU would be my guess.
I wouldn’t call it power. The power is in the stocks making the move. They moved the whole S&P down just like they move it up. QiI keep some VPU so I can sell it if I need cash1when the market is down. It was up 1.51% because people move to it for safety. VDC as well but less so. They will still both still tank in a major downturn.
When Warren Buffet recommended the 90% S&P500 and 10% bonds 2013 it was a very different S&P500. I am doing similar to your first option with some SCHD, VPU, VDC, XLV, a few individual stocks like JPM. I'm not buying tech in this market but I would hold QQQ and buy more if there is a correction. That said I'm retired so I need income one way or another. I wouldn't do JEPI or dividend ETFS if you are investing for the future unless you like pay taxes up front.
Agree. A bit too risky for me in my situation at current valuations. China invades Taiwan I would probably sell my safe stuff like VPU drop in on the downstroke. I’m not into timing the maker but if the timing is right I’ll make a bet.
QQQ. Similar to VGT but includes other growth stock. I don’t own either right now but would get in if the opportunity was good. Maybe it is now. BND is loosing money. If you want safe look at VPU and VDC. You can actually get modest income and growth.
VTI is also good, I think VPU (Utilities) is undervalued right now and will increase as interest rates lower and if there's market volatility, Berkshire, VDC is another great one (consumer goods)
There are a bewildering number of ETFs available. Consumer Staples VDC (this one has Walmart and Costco concentration) and Utilities VPU are in a dip as investors pile on techs. But the long term upside is not very attractive. I think there is bubble in tech but nothing like the .com bubble. The current companies have earrings and tens of thousands of people looking for the next big thing. S&P 500 gives you downside protection compared to a more pure tech ETF like VGT. I would get in the market one way or another. If there is a tech crash you can always swap your conservative ETFs for better growth after the fall. If it doesn’t crash you just have lesser roi.
The Sharpe ratio is better than the absolute return. VPU’s 5% return came with much lower than average volatility.
VPU has served as a "fixed" income vehicle the past 5 years. Since 2019, it has had a 30% return: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=4lM6rBEUpq23NWaZVzx8NC Whether it continues into the future at that rate, maybe? But no, utility sector is not a high growth one. Many dividend stock picks use a few utilities for their reliable dividend.
VPU is a sector fund, so you'll end up with some not-so-great performers. The fund consists of utilities other than electric, so you'll want to check the holdings to see how much natural gas, water, wind you're getting. I'm retired, and I hold a few electric utility stocks individually. As said already, utilities as a sector are defensive, and the NAV price holds up better when the economy declines during the business cycle. Rising interest rates really hurt public utilities since they need to borrow heavily for large capital projects. I prefer to buy individual UTE's when the yield gets close to 5%. Keep in mind that utilities are generally slow-growers compared to other sectors. This link has a summary which is very informative about sector performance during various stages of the business cycle: https://www.fidelity.com/learning-center/trading-investing/markets-sectors/intro-sector-rotation-strats
Have a tiny VPU position myself but the chances of this beating any diversified index in terms of total return is basically zero over the long run (10+ years). For me it’s just an alternative to owning bonds or as you said CD’s and playing interest rates going down. Curious if you have an exit strategy or time horizon for this investment. Back testing to 2008 it seems utilities don’t really have any more downside protection than an index fund as well. Other defensive sectors work much better for that (healthcare, defense, staples).
5 year? Your post talks about next quarter. It looks like VPU was relatively flat in 2009/2010 timeframe. How do you translate that to “rip” in a quarter?
VPU annual total return for the 5 years after the act was passed was 13.2%! Yes other sectors also did well during this time period, but a lot of those gains were also due to federal stimulus packages. If your argument now is that federal stimulus and incentives don't have a significant effect on stock prices, then I don't know what to tell you .
why are you getting downvoted here? VPU seems like a reasonable suggestion
Yes, there's always risk with individual stocks. VPU (vanguard utilities) is probably a better way to do it. Not that it's without risk, but utilities are probably safer than most other sectors.
20% up overall in 401k even after holding TIP, VTIP and VPU which were dogs. Sold the TIPs, kept the VPU as well as the rest of the portfolio which is very very tech focused.
What specific REITS, Split corps, and utility stocks would you recommend? I've been putting some in ALB, and NEE, and also the ETF VPU. I've been putting some money in real estate too (VNQ), but I was also thinking about companies that provide materials for projects, not just the banks. What do you think? Also interested in general what high dividend stocks you recommend.
I just pick my investment target, which for me is something like $7k / monthly outside of my 401k. I keep the majority of my savings in a brokerage fund that pays 5% now. ​ So if I want to invest around $7k monthly then I choose my securities, like VBR / VPU / SCHD or whatever and I put spread the $350 / day investment over the 3 stocks. The software just makes a buy at whatever price every day the stock is trading, and I don't think about it at all. This way I catch all the lows, even if I buy all the highs too.
300,000 x .04% = $12,000/12 months = $1,000 month……VNQ/VPU/SCHD/TLT
I don’t know, but VPU, the utilities sector ETF, has been tanking lately.
Congratulations on excellent returns from these four. I wish I could've done the same. Now's an excellent time to diversify. Since we're entering a seasonally volatile month, it's not a bad idea to sell some shares and get into the S&P 500. I only recommend SPY if you will actively sell covered calls against it. Otherwise, VOO would be your best bet for its lower expense ratio. For a peace of mind, I recommend at least divesting 50% of your portfolio. Keep the rest as part of your high conviction plays. With your monthly income, it sounds good to deposit $100 into SPY / VOO. I would also consider putting in the following in the short term: * VYM (non-tech defensive ETF with a mix of consumer staples, financials, energy, and healthcare). * XLV (purely healthcare ETF is a good bet into recessions) * VPU (utilities defensive ETF is a good bet into recessions) * TLT (rate pause and cut play which provides 4.46% in yield). When S&P 500 starts dipping into this year or two, you can rebalance your portfolio to gain exposure to more large caps and growth stocks. Wish you the best!
And from the devs point of view they really dont like it but for a long long time it was the only viable choice out there... That is changing now. Intel, for example is putting a lot of work into OneAPI and its getting A LOT of possitive feedback. Made for developpers by developpers. Its made to take the best possible use of the hardware available... it runs on GPU, CPU, VPU, PGPA, and whatever else might be comming. Its also vendor agnostic, so you arent forced into using just one brand. CUDA is starting to show its age...
Intel claims the next-gen Xeon Sierra Forest's E-Core-based design will provide up to 2.5x better rack density and 2.4x higher performance per watt than its fourth-gen Xeon chips, while the P-Core powered Granite Rapids will provide 2 to 3x the performance in mixed AI workloads, partially stemming from an 'up to' 2.8X improvement in memory bandwidth. And then there is the VPU on meteor lake. Not to mention the completely new from the ground up architecture they have been working on scheduled to debut by the end of 2024/early 2025 (Lunar Lake) using their 18A. Im **VERY** bullish on Intel 
Anyone looking at utilities (VPU)? Their p/e ratios are starting to look more reasonable. Plus climate change legislation maybe helps them if government gives more funding for fossil fuels alternatives.
[Consumer Discretionary (VCR)](https://www.morningstar.com/etfs/arcx/vcr/portfolio) [Real Estate (VNQ)](https://www.morningstar.com/etfs/arcx/vnq/portfolio) [Utilities (VPU)](https://www.morningstar.com/etfs/arcx/vpu/portfolio) [Communication Services (VOX)](https://www.morningstar.com/etfs/arcx/vox/portfolio) [Energy (VDE)](https://www.morningstar.com/etfs/arcx/vde/portfolio) You can take a look at sector specific fund portfolios to see what they hold as a potential starting point.
EUSA as Defensive ETF? Being that I’m about 3 years from retiring, would like to reduce risk in my portfolio, which is very stock heavy, at 95%, equally spread among FXAIX, SCHD, ITOT and IVV. Not a fan of bond ETFs so looking at “defensive” ETFs like EUSA, QUAL or VPU. Thoughts?
> with the SPY and QQQ being near all time highs As the market has trended upwards since forever, the market is USUALLY at or near all-time highs. And usually when it's at all-time highs, it goes *up*. Only time will tell whether right now is a good time to buy or not, but it being near all-time highs means almost nothing. So odds are that your best bet is to simply buy into the market as one normally would. However, some defensive options: 1. Money fund. Share price is fixed at $1.00, they shove money into short term safe investments and pay out interest as dividends. That'll net you 4+% right now, but return drops if interest rates drop. 2. Bond fund. BND has almost no correlation to stock market returns. It ain't gonna make you rich, but it does have much lower downside. 2. Utilities sector fund. VPU typically underperforms the market, but it's less likely to go through the floor in case of a recession. People still need electricity and water and such. Beta 0.57 3. Consumer Staples sector fund. Same idea as above, but investing in stuff like WalMart. VDC Beta 0.65 4. Healthcare sector fund. Same idea again, VHT Beta 0.7 Probably best to look at it from a portfolio perspective rather than individual funds... e.g. you hold some amount of defensive options and some amount of aggressive options, and you can change the ratio at your discretion. Or simply rebalance periodically.
So early on in investing I decided to just buy whatever I thought looked solid. Overall, I'm pleased with my buys but admittedly don't know what's redundant and what's not Any insight into which of these overlap substantially enough with one another that one can be dropped? VTI - 46.1% FXAIX - 22.23% SMH - 9% VXUS - 7.5% QQQM - 4.3% VIG - 3.1% SCHD - 3% VPU - 2.8% O - 1.2% DBJP - 0.7% Thanks in advance!
I am 39 years, outside of my 401k I did not have much else invested till recently (during the pandemic). Got a sizable chunk of RSU’s from my last employer which I diversified into my current portfolio. To be upfront I read a few articles about diversifying your portfolio and choose this mix for some reason. The individual stocks I choose as short term bets and mostly on a hunch. I am not confident on the choices and will appreciate any feedback. My current mix: 401k - 320K Cash/ Emergency Fund - 110K Roth IRA (Backdoor) - 6K (just did my first conversion last year) I Bonds - 10K CDs (4.88%) - 50K VOO - 68K GOVT - 25.7K GLDM - 23.5K VT - 23K VPU - 21.8K BNDW -20.5K SPY - 16.5K Nvidia- 29K Apple - 17K AMD - 5K Microsoft - 4K Meta- 1.2K Company Stocks - 26K Crypto - 40k
The utility application is nice, but let me point out that VPU from 2004 to today (as far back as I could go) had a CAGR of 8.76% vs. SPY's 9.05%, and lower standard deviation. I added the airline ETF JETS to the mix, and it went back to 2015. Then VPU had CAGR 9.8%, SPY 11.6%, and JETS -3.3% (lol). /u/absoluteunitvolcker
1+ year is not a long term. Stock index can loss money even you hold it for 10 years. My definition 0-3 is short term. 5-10 is mid-term. 10+ is long term. For less than 5 years or uncertain investment horizon, VPU can be considered to park your money as an equity investment option.