VUG
Vanguard Growth Index Fund ETF Shares
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Thoughts on 31yo investment portfolio - big pay raise next year and questions
Choosing spouses growth stocks for taxable account
Thinking about a higher growth portfolio for the new year.
Investing brokerage accounts for my kids and nieces - best course of action?
Will shit hit the fan in 2024?
100% VOO vs 33.3% VOO, 33.3% VUG, and 33.3% SCHD?
What yall think of the picks for my Roth IRA. Needs any changes? include different sectors?
How should I invest to build wealth long-term in my early 20s?
4-asset portfolio that outperforms the market with less risk
Options, speculating on direction and catastrophic losses
Can someone critique my portfolio early on going forward?
Comparison is the thief of joy but how am I doing?
I have $15k sitting idle. Did not max out 401k or Roth IRA. Where should i invest?
There's a lot of overlap between VOO and VUG, but...
Why is the solar industry performing so poorly?
Does this seem like a good selection for a Roth for a 32 year old just getting started?
[M25] International Student in the US - How to prepare to move assets overseas
Building a portfolio for my cousin (25M) need suggestion
What is an appropriate risk allocation for an 18 year old?
What caused the dip in VONG Vanguard Russell 1000 Growth ETF
Which one of the following ETFs are identical and redundant?
20-year-old seeking feedback on Roth IRA portfolio allocations - Am I on the right track for long-term investing goals?
Is it better to invest in multiple ETFs or stick to 1?
VUG vs. QQQ - Vanguard Growth vs. Nasdaq ETFs Guide
$ZIM REGARD IS BACK WITH HIS YTD PERFORMANCE AND HIS PLAYS FOR Q1/Q2 2023 $VOO will become my new $ZIM
$ZIM REGARD IS BACK WITH HIS YTD PERFORMANCE AND HIS PLAYS FOR Q1/Q2 2023
Is my Roth IRA Portfolio Too Risky/Diversified Enough?
Lock in revenue & withdraw lower than cost basis / minimize capital gains tax.. How to do it?
Roth IRA, 80% VTI, 10% VUG, 10% VXUS. Is this a good strategy?
Is my logic sound for someone in their early/mid 20s?
Do you feel the sub is getting quite depressing... means it's time to buy?
Looking at VUG for my 2 year old’s custodial brokerage.
Come and check this! BBBY & GME MERGE
Opinion: Growth stocks make just as much sense as Value stocks right now
How to evaluate when its time to dump a losing fund - specifically BGAIX
Why does $VUG ETF occasionally show large after hours drops?
Is an Investment Account Representative (IAR) worth it for someone who wants to passively invest and can do their own trades?
Is it too early to start dollar cost averaging in Vanguards S&P Growth Stock ETF, VUG?
Any [dis]advantages to mid-year tax-loss harvesting?
What are your bargain picks during this firesale? Here are mine.
Starting a portfolio, wondering if im going to take a huge loss
Considering a 4-fund portfolio. Thoughts on these index funds/etfs?
Mentions
3/10. I tested your portfolio for the past 5 years and it would have done more or less the same as VGT performance alone. It’s an annualized return of 20%+ which is excellent compare to S&P500 at 15% over the last 10 years. All your performance comes from 2023. If you have one bad year, you go to -40%+. So all is good until it’s not. I would recommend to keep VGT as a significant portion of your portfolio, but diversify. Maybe VOO 50%, VGT 20%, VUG 10%, SPMO 10%, VXUS 10% (?)
|ETF Ticker|Name|10-Year Annualized Return|Notes| |:-|:-|:-|:-| |SPY or VOO|SPDR S&P 500 ETF Trust / Vanguard S&P 500 ETF|\~12.1%|Tracks the S&P 500; provides broad U.S. large-cap exposure with low fees.| |QQQ|Invesco QQQ Trust|\~20.3%|Nasdaq-100 focused; heavy in tech giants like Apple and Microsoft.| |VUG|Vanguard Growth ETF|\~18%|Targets large-cap growth stocks; balanced for long-term appreciation.| |VGT|Vanguard Information Technology ETF|\~23.4%|Tech sector focus; includes leaders like Nvidia and Broadcom.| |SMH|VanEck Semiconductor ETF|\~28-31%|Semiconductor industry; driven by AI and chip demand (varies slightly by source).| |XLK|Technology Select Sector SPDR Fund|\~20-22%|U.S. tech leaders; consistent outperformance vs. broader market.| As long as your return is over 12% yearly, your money will double in 6 years. So 300k becomes 600k in 6 years, 1.2M in 12 years, 2.4M in 18 years, 4.8M in 24 years. Obviously these don't get these returns every year, but their long term averages are above 12%. In 25 years, you should be able to turn 300K into 2M, which should be enough to retire on.
All the other popular ETFs are open ended funds , VOO, VTI , VUG , SCHD , IVV, ITOT, SCHB, SCHX this really just brings QQQ inline with the other most popular ETFs I really see no reason to vote no on it especially if you hold one of the above funds you already own open ended fund what QQQ wants to convert too. It cuts the expense ratio 10% ; its seems weird to complain they should have cut it more then vote no and pay a higher expense ratio
Remove SCHD, DRGO, BND. Replace by a growth fund like VUG, VGT, SPMO. At 33, it’s time to be agressive and grow your wealth.
VUG and VIGAX should be exactly same index. Only difference is ETF vs Mutual Fund. There is a very sudden price drop of VUG at last minute of market closure 3:59pm-4pm. The price drop from \~481 to 476. If you use the price of 3:59pm, then it would be \~2.42%.
There was a HUGE red candle on VUG last minute of trading today, could have been some weird recording or accounting event or something. Some crazy end of day sale. VUG immediately recovered the following minute in the after hours.
Holding but not adding. Might rotate out after I buy enough VUG.
Mainly 2: 1. The people waiting with more than 10% of cash on the side. They are never fully invested and miss opportunities for years. 2. The VOO and chill people. They are just invested in the S&P500 index. They are missing opportunities to be invested in growth index like Russell 1000 growth. Over 10 years, it’s like a +100% difference in returns with VUG.
Bond yield is much lower than stock yield, especially with years to go. I put 30% of my 401k into growth, such as VUG or SCHG.
Agreed. OP - it’s a marathon not a sprint race. Some of your picks are not long term investments. They are speculative short term trades at best. Their prices are already reverting on a downward trend. I would sell them and reallocate that money to your core positions or a good somewhat risky ETF like AIQ if you want to focus on growth from AI or something like VUG or VGT for more general growth
Time will prove who is right based on returns. My average return rate is about 18% but I only started in 2019 and my main thesis is just go toward big tech etfs so I hold ETFs like QQQ, MGK, VUG. So it's been a good bit luck
Like VUG, mirroring the Russell 1000 growth index.
More of a VTI/VUG split kinda guy
Contributing 8% of my paycheck to VUG rn with the savings I get by being on my dad’s health insurance until 26. That way, hopefully I’ll have money just in time for when I’m too old to care that I have it.
A lot of people tried to time the market before, during and after covid. The man scenario has been people selling at the wrong time and staying on the side when the market went up for too long. Also selling $1.5M will trigger a significant tax event. The key understanding in investment is that it is a game of patience. You need to stay invested during full cycles and be fully invested with a minimum of cash. $1.5M at 7% will be $4M is you stay invested with no contribution in 15 years. So you literally have nothing to do. With $25K contribution per year you will be around $5M. Now, one important thing to do is to invest not only in the S&P500, but be sure to be diversified. You should allocate a portion of your portfolio in international and more importantly into growth like SPMO, VGT, VUG.
That’s because people aren’t doing the “forget about it” part. VUG is up like 16% yoy
I do the same thing. SCHG is a good one. So is VUG, VGT, IYW etc.
Yes. Invest in a good growth ETF will help your financial status over 20 years. VGT VUG IYW are a few good growth and tech oriented options. Go research them and pick whatever fits your goals Also, invest in yourself and figure out what you need to do to succeed in your career. That is more of a factor than in your long term financial success
Dividends are worthless and they do not indicate financial strength. It is a common misconception that academia teaches you that is not true in the real world. If you don't believe me, go look at how SCHD (dividend focused etf) has compared to VUG (growth etf that barely pays dividends)
If you are an index investor and buy a fixed chunk with every paycheck every other week, this sideways action or correction is actually welcome. Better to DCA at reasonable prices than at all-time-highs. But looks like shine is off AI for now. Stock picking is so difficult, I don't know how retail can successfully beat algorithms and insiders in the long run with individual stock. Sector rotation can make you a bag holder in a matter of days as we are seeing with quantum, nuclear, and rare earth stocks. That's why I only buy VOO/VUG/VTI.
VTI: 40% VOO: 25% QQQ: 20% VUG: 15% Total: 100% Set it and forget it
1. So fee wise, Utah and NY are the cheapest (we chose NY) and offer the same investment options. 2. I think 100% US Stock is fine. (We're actually in 100% VUG, our kids are 5 and 3). Since you don't 'need need' the money, as well. My wife and I plan to move 1/4 of the 529 into Bonds 4 years out of when our kids need it to derisk a bit (like like how you'd do in retirement) 3. Since all 529s basically offer index funds their performance should be identical or almost identical
How much of your total money is it? How long are you looking to invest it for? For the long term I’d say 50% in an all world or growth ETF like VUG or VWRA and 50% in a gold ETF like GLD. But if you’re looking to buy a particular stock? That’s gambling bro no advice on that - that would be your call. But dollar is debasing - bitcoin is volatile, gold is going to continue giving returns for time.
Love days like these, gimme more VUG shares😈
Basically this -- GOOG + VUG 30/70
NY State (I live in Texas) has the lowest fees and best funds from all the research I've done. You can invest in VOO/VUG for around 0.12%. Not 0.03%, like the actual ETF, but lower than basically all other 529s.
Pick any of VGT, MGK, SCHG, or VUG. Depends if you want exposure toward large cap growth or tech. I picked VONG because the ticker was cool. Jk, it captures more holdings and market caps for growth.
too many imo. I'd do 60% VOO or maybe VTI and then 40% VUG or VGT like the other poster said. A wee bit of HACK or CIBR if you want some additional focus on cybersecurity although i'd say just buy some Crowdstrike stock instead for that.
There’s no shortage of large cap growth funds. Every brokers offers one. VUG is Vanguard’s QQQ is effectively one
Growth is good at your age but will be volatile. I like VUG or VGT instead of VDHG. Get in the habit of investing on autopilot before you see the money and increase savings with every pay increase.
You were up 300k already. After that massive gain, you should have put 200 to 250k into a broad index fund or ETF like VOO or VUG or VTI to safely grow at 8-12% a year. Use the remaining house money you made from your gains to buy more risky individual stocks. This way you will not lose everything and still always have a decent amount of money growing and compounding safely untouched. Never put all your gains at risk and starting over may not be able to ever come back from. Once you hit 100k or more you want to preserve your wealth. In the beginning, when you have a small account like less than 25k you want to take some risk to build up your wealth. That is the wealth-building phase. Once you hit 100k to 200k you want to start preserving your wealth so you don't lose all that money and start over. Once in this phase, you should never put more than 25% into individual stocks at this phase. The rest into ETFs wirh low expense ratio fees.
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.
VTI - 62% VUG - 20% SOFI - 16% SCHG - 2% I stopped DCA’ing into $VUG since it’s too expensive for my biweekly purchase, so I decided to start investing into $SCHG. I’m up on $VUG and don’t feel like paying the capital gains tax lol.
VTI - 62% VUG - 20% SOFI - 16% SCHG - 2% I stopped DCA’ing into $VUG since it’s too expensive for my biweekly purchase, so I decided to start investing into $SCHG. I’m up on $VUG and don’t feel like paying the capital gains tax lol.
VTI - 61.4% VUG - 20.26% SOFI - 16.31% SCHG - 2.01% I stopped DCA’ing into $VUG since it’s too expensive for my biweekly purchase, so I decided to start investing into $SCHG. I’m up on $VUG and don’t feel like paying the capital gains tax lol.
VTI - 61.4% VUG - 20.26% SOFI - 16.31% SCHG - 2.01% I stopped DCA’ing into $VUG since it’s too expensive for my biweekly purchase (I’m with Schwab and they don’t allow fractional shares), so I decided to start investing into $SCHG. I’m up on $VUG and don’t feel like paying the capital gains tax lol.
Hold off until you see a dip in Jan or feb than reinvest it in s&p matching stock like VUG or something like that. Or target date.
YOLO it all on BYND calls and then post your loss porn. That, my friend, is the way. (Jokes aside - my advice would be to split the 70K into 10 7K investments. Put 5 x 7Ks into individual stocks like NVDA, Google, AMZN, RDDT and RKLB. Put 3 x 7Ks into ETFs like VTI, VGT, VUG. Put 2 x 7Ks into dividend stocks. Then leave it for a few years and check back in 2028 for some sweet sweet gains.
VOO and VTI ETFs are solid choices. You can also invest in higher growth funds like VUG or SCHG.
VOO is up 225% in 10 years VUG is up 347% in 10 years QQQ is up 439% in 10 years
Looks fine to me. All depends on your goals and risk tolerance. My portfolio has more growth options mixed in like VGT, VUG for ex.
VUG is a great investment. Much better expense ratio than QQQ. I own a growth fund in my IRA but it’s not nearly as good as VUG when you take expenses into account.
VUG beats the market consistently. It dips harder during the bad times, but more than makes up for it during the good times. I can't time the market either, or when I do the gains are just slightly better than holding VUG.
There's also VUG that seems to outperform VOO quite well, and not drop much more than VOO during corrections (and recover fast).
40% VTI 30% VUG 20% BRK 5% Bitcoin 5% GLD Overall, a very passive portfolio. I almost never sell, just buy with every paycheck.
This is not bad. VOO with a push to growth with the addition of qqq. Not bad. But if the OP really wants growth and understands that growth = risk and if the OP has time, I would consider full QQQ, or full VUG or full SCHG. I would go all in.
Sounds like my portfolio, what are your 3 funds? vOO/spy, QQQ/VUG and ?
You should learn more about investing. Plot $VTV (Value stocks low P/E) against $VUG (growth stocks (high p/e)
I wonder why we do that to ourselves, our families and our portfolios; pick shitty stocks. I had an epiphany last night and said I will do my best to stay away from shitty stocks from now on. Began by buying 7 shares of VUG. Will see if I also buy some VOO to start.
At what price did you buy this? You never put that much money into stocks like BYND. You put money like that into PLTR, NVDA, AVGO, or etfs like VUG, VOO. If you want to make some money back check out RANI ------
VOO is up 108% in 5 years VUG is up 124% in 5 years QQQ is up 132% in 5 years
Invest it in something better than a savings account. At 2.7% you fall short of the inflation rate, meaning the value of your money is less and less with time. As a lot of others have said, VOO, QQQ, QQQM, SPY, VUG, VT, etc.
Selling covered VUG calls may not have been the best move
I only put in about $7,000 back from my winnings. The other I bought VUG and other stocks and options. This is the game we play. Sometimes you get it right, other times you do not. You learn from your mistakes or repeat them again.
The AI stocks are an obvious choice but the easy button is a selection of good ETFs that fit with your goals and risk tolerance. VUG VGT for growth. VOO for a good foundational ETF on which to anchor your portfolio. Various other good ETFs out there that you can research
I’d ditch RSP and SCHD. If you don’t wanna use an S&P 500 index fund, I’d go w VUG to cover growth and SPYV or VTV to cover value. FNDX and FNDF have great track records if you want to mix in fundamental analysis ETFs, but their OER is a bit higher at 0.25% if you’re cost conscious.
I have tons of profit. Checking just now...I didn't realize how much NVDA I have. But most of my money is in VUG, which is also solid but not as insane. But yeah, that is a good point. Except this BYND is in an IRA so I can't even do that. Ha...shit.
Just buy the VOO the VUG and forget about individual stocks.
All you want is VUG. Sometimes it is spicy but usually awesome. 30% bonds? Fuck that, 100% VUG. VUG LIFE (Vaguely flashs gang signs)
Yes, and yes. Not a bond person now and never have been as bonds have their own issues. I am retired Roughly an and portfolio is all in equities ( stocks and etf’s ). Most of the individual equities pay a 4% or better dividend . I own the usual ETFs, ie VOO, VTG , VUG, and XLG so I am getting full market exposure and a very healthy dose of AI, robotics, health and technology. Also good chunks of GNR and XME as materials are not going to go away.
Congrats! Well done. Options wins = a lot of taxes you need to pay off. That means you need to take at least $6,000 and put away to pay off the taxes. Take about $4,000 for you and your family. That leaves you with $40,000. Take $35,000 and buy some AVGO, PLTR, VTI, VOO & VUG - Let those grow for you. You can then take the other $5,000 and do some long options - safe options - stay away from ODTE.
PLTR, SOFI, RKLB, PL, IONQ. Dumped them all in 2022/23 after getting frustrated when they were sucking and loss harvested and just bought VUG.
SPYG has outperformed VUG and QQQM YTD this year, and has higher dividend than QQQM and VUG and lower expense ratio than QQQM (equal to VUG)
If you are in MMF. You should consider taking the interest and buy a S&P growth fund (VUG,VOO, SCHG) with it. Preserves your wealth while your extra earnings grow and compound faster. Even with pullbacks you are leaving lot of growth off the table. I understand not wanting to lose which is why you can do only invest the interest.
VUG is fine. VOO or QQQM. You need to get in the habit of doing it automatically though. Open a Fidelity account. Buy whichever ETF you want on auto once a week. Then work to increase that auto. That’s all personal finance is, spend less, buy more. Sell ONLY when you have something urgent to pay for. Rome wasn’t built in a day, you will learn as you go. Roth, maxing 401k. This will all come. But the most important foundation in my opinion is learning the value of weekly auto. And having a mechanism that forces you to compare to your bills and motivates you to do more. You’re super young, don’t be surprised if you cash out to have some experiences (I highly recommend that), but learn the foundations early. Best of luck!! Oh, and don’t use HYSA, use default money market in Fidelity or even better SGOV. Banks are good for ATM and Zelle. That’s about it. You’ll do great!
If you won’t need the money for 5-10 years, throwing the rest in VUG or similar isn’t the worst idea. But understand we live in turbulent times. We could be in for a bumpy road in the next year. Don’t be surprised by a 10% or more drop near term and possibility for an even greater drop.
I’m been buying nothing but SP500 since 2014. Last few yrs I pulled back a little more and went into growth VUG. I still buy weekly but it’s now a small amount in SP.
I was worried about 20% VUG making my portfolio too much growth tilt. Then I see this post with 41% tesla. LOL
QTUM, ROBO, DTCR, ARKX, VUG. Split it all evenly and don't look back at the portfolio until you're 40. You'll probably have over $30 million.
Similar situation for me as well. I'm just tried penny stocks for the first time and ATCH was my first one that I invested about $500 into and instantly got burned. Was up almost $800 with all other investments in my Roth IRA account which is mostly safe ETF'S like VOO, VGT, VUG etc. Now I've have diamond 💎 hands and hold cause getting out in a loss just seems depressing.
SPMO, SMH, VUG, VONG, SCHG, QQQM, MGK pick your flavor
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
No need to flee to cash ( unless you see a near term opportunity to buy a dip. ). Re-allocating some to international markets that are operating at a more sane P/E ratio and have currencies that are getting stronger relative to the dollar is completely warranted. Plenty of short term investments that are better than MMF. Going 70/30 with equities on one side and bonds/commodities on the other makes lots of sense. Personally holding: \~ 70% VUG ( US Large Cap ) VGK ( European Large Cap ) IEMG ( Emerging Markets ) \~20% IAU ( Gold ) \~10% VTIP ( Inflation Protected Treasuries \[ Cash Equiv \] ) The gold and VTIPS damp down on the volatility of VUG and have allowed the overall portfolio to outperform the S&P. When current US monetary, trade and immigration policy come home to roost ( sometime in the next few years ) there will be an opportunity to buy US equities on the dip. In the meantime, an inflationary currency will continue to push equity and commodity prices higher so enjoy the ride.
I’ve been with my advisors for like 10 years now. Most of the time I didn’t realize what all they were doing. Turns out they just have it parked in VUG, VTV and some international ETFs. I’m under $1million and am seriously considering cutting them loose this year. It’s just not worth it.
VUG and VYM are dividend vanguard ETFs, for anyone wondering
Hello! I had some cash sitting around that I was too nervous to invest and I finally bit the bullet and did it. Looking for feedback on how I did: IRA - consolidated some old IRAs into one and ended up with the following * VFIAX (Vanguard 500 Index fund)- 40% * VIMAX (Mid-Cap) - 20% * VSMAX (Small-Cap) - 15% * VIGAX (Same as VUG below) - 15% * VTSAX (Total Stock Market) - 10% Brokerage Account - ended up with the following * VTSAX (Total Stock Market) - 26% * VEXPX (Vanguard Explorer Fund)- 24% * VUG (Growth ETF)- 20% * VGSLX (Real Estate) - 10% * VGHCX (Health) - 10% * VXUS (Total International Stock) 10% All other things considered, have a good income for a MCOL area, have an emergency fund, and additional retirement/investment accounts. I just wanted to try my hand at a more strategic approach than "put everything in an S&P 500 fund" (which there's nothing wrong with!) There's some redundancy here due to already having holdings in some funds that I didn't want to sell. As time goes on, I hope to keep fine tuning and rebalancing. My goals are growth without having to babysit the portfolio, hence the mutual funds/ETF approach. I'm also way too intimidated to get into single stocks so this seemed like a more comfortable route. I plan on reviewing monthly and correcting about every quarter or so as needed. IRA is obviously for retirement, brokerage fund is earmarked for retirement/long term growth but might also use it for a house downpayment depending on how things go. What do you think? I tried to prioritize low cost funds, diversifying into new sectors for me like health, international, real estate, etc, and having a mix of large/mid/small cap to try to capture more gains.
QQQ, FBGRX, IWY, VUG, FDSVX, VOOG, FCNTX, FXAIX, have 10-year total returns of 523% to 299%.
do you mean dividend growth ETFs (VIG, SCHD, SDY) or growth ETFs that also pay out dividends (QQQM, VUG)
Great move having emergency funds secured. For growth ETFs, consider VUG (Vanguard Growth) or QQQ for tech-heavy exposure. If you want broader market coverage, VOO or VTI offer solid diversification. Given current market conditions, a mix of growth and value ETFs could provide balanced exposure. Consider allocating 60-70% to growth and 30-40% to more stable sectors. Don't forget to review expense ratios and past performance.
If you’re fresh out of college and want to allocate a thousand bucks somewhere, put it into an index fund like VOO (the Vanguard S&P 500 ETF), or something more aggressive like VUG (Vanguard’s Growth ETF). If you’d really like to purchase contracts on a company that is riskier (OPEN is a great example currently), holding shares is far more manageable than buying contracts from a perspective of risk. Even then, still wouldn’t encourage buying something risky like that if that thousand is all you have. You have the greatest asset in your corner, that being time. Put your money to work where there’s a good chance the investment will generate a meaningful return in the long run. Learn the ins and outs of how options instruments work while building a consistent and sustainable nest egg then start exploring options trading when you have a solid financial base and plan.
I am also holding some cash. Instead of investing $x per month I am planning on investing only 20% while holding 80% for the impending crash. Like you said, I hate buying at ATHs. Knowing that in 2 weeks our government is going to say something that will tank the markets and be a great time to invest then. When I do invest it’ll be AAPL MSFT VGT VUG. no risky stocks beyond cannabis, but even that I’m done with for now.
Risky yes which means you limit your exposure but still probably need some tech in your diversified portfolio. You can get tech exposure in the SP500 or I prefer a small amount in SCHG and / or VUG.
TL/DR: why SPY over VUG when VUG “appears” to be more profitable? Long: I’m not in the U.S., but I started lurking in here when I discovered an app in my country that allows us to trade American stocks. Unfortunately/luckily for me we can’t trade options as I would have likely lost my full port. Anyway, as it turns out the app isn’t actually good for trading as deposits cost too much, trades cost too much and withdrawals also cost too much using it. Either way, I have my initial deposit still there (minus some very minor losses from bad trades and the exorbitant cost of each trade) and I’d now like to just park it in an ETF. What I’ve been wondering is why everyone here is so fascinated with SPY? I’m pretty ignorant but VUG seems to be more profitable. On a percentage basis it increases more on 1yr, 2yr, 5yr and 10yr timeline (as well as many other shorter timelines as well). Why does SPY seem to be the ETF of choice on WSB?
Why are you using mutual funds? Roth or something? If it is taxable just use VTI and VUG. ETF’s are more tax efficient in taxable. There’s nothing wrong with growth. Just pick one and set to auto and work to increase the auto. Most people stick to QQQM and VOO. But VUG is fine replacement for QQQM. Just pick one and set to auto. Work to increase the auto. Spend less invest more. Only sell when you have something urgent to pay for. You sound like you’re falling for paralysis by analysis pretty early. You can shift the auto later. Just don’t sell. Learn as you go, if you shift to VOO or whatever fine. Just don’t sell to switch (that is an example of selling without having an urgent expense to pay for). Do this for a while and you see money is easy. Best of luck!!
And don’t know which one is easier, but I opened one up 2 yrs ago for kid that was 10. Put in 60 week and have it in VTI and VUG
**The best advice is trading stocks goes against basis human instincts.** **Time in the market is better than timing the stock market.** If you are scare of stocks and don't want to do the research, buy a low cost ETFs, VUG or SPY or QQQ and contribute monthly to this fund. Instant sock diversity and low maintenance cost. You need a set of rules for buying and selling stocks and stick to them, **People lose money in stocks because:** The news comes across that stocks are hitting all time highs and people **have the fear** they are missing out on the gains (FOMO) and buy stocks at all time highs. Then the stock market does the usual cycle down and **people get scared** they are lossing their money and sell. **They end up buying high and selling low and losing money all the time.** **Look for large cap companys (>$20B cap) that have the following traits:** 1. Revenue is growing and expanding year to year. 2. Their earnings per share (ESP) is positive and improving 3. They are beating the ESP and revenue targets each quartely earning report. 4. Their stock has momentum & postive market sentiment, price above the 20 day & 50 day moving averages. Save you money and buy your target stocks in small increments entry points on dip days where the overall market drops. Consider the stock on sale on these days. Buy low & sell high. Diverse your investment to more than 8 stocks, maybe go to 20 stocks so your investment egg is not all in 1 company. **Don't buy high and sell low.** Again if you don't want to do the research, buy low cost ETFs and contribute monthly. Time in the market is better than timing the stock market. Good luck.
You are already 40% crypto, I would push heavier on growth stocks, like SCHG or VUG. Real estate is a different animal if you have the time and appetite for it