VUG

LittleGremlin242

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?

Heyhayheigh

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!!

ContributionKindly13

VUG

thonda27

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

RayU_AZ

**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.

Apprehensive-Ear-555

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

Rez_X_RS

My plan is to hold and equal amount of: VUG, VGT, and BRKB

Digital-Doc-777

Look at SCHG or VUG for growth. Don't put bonds into a taxable account if you can avoid it as not tax efficient.

Psychological-Ship85

I like VUG

srfdriver99

This is exactly backwards. _Growth_ stocks have the higher expected returns because they're higher risk. https://totalrealreturns.com/s/VTV,VUG The main reason to invest in high-dividend funds is when you're in the income-drawdown phase of your life, it means you don't have to sell shares, which avoids the investor psychology problem where 99% of people make their situation worse when they do anything. Especially in downturns.

D_Pablo67

I would stick with the individual stocks and sell VUG if that is just buying the same stocks as the bulk of your portfolio. You might want to look at some growth financial stocks like Goldman Sachs, Robinhood, NASDAQ (the exchange, not the ETF), and ICE. For diversification, buy some gold or gold miners, GLD or GDX. Let you winners run and use new buys to diversify.

hue952

Sell it all and buy VGT and VUG.

xiongchiamiov

>I’ve thought about VUG, I understand the risks of a growth stock but it seems healthy with a good record The record is [underperforming the average slightly](https://www.dimensional.com/us-en/insights/when-its-value-versus-growth-history-is-on-values-side). >I’m also considering VOO for the stability. VOO is not stable. Look through [historical data](https://www.lazyportfolioetf.com/etf/spdr-sp-500-spy/) and you'll see that you should expect drawdowns of 30, 40, 50% that take 5 or 6 years to recover from. If we're unlucky, we'll have a decade like the 2000s again where _just_ when your portfolio has finally recovered, we enter into another five year recovery period. This doesn't mean you shouldn't invest. But you should be aware that any 100% stock portfolio is going to see significant turbulence. Now, VOO is fine. If investing in it is what will get you started, then do it. But if you can take some time to consider other options, let's start with this concise post: https://www.reddit.com/r/Bogleheads/comments/tg1az5/should_i_invest_in_x_index_fund_a_simple_faq/ Want to read on international? * https://www.bogleheads.org/forum/viewtopic.php?p=7374858&sid=f36f075d72830ae1e1f6b858ef3735d9#p7374858 * https://www.optimizedportfolio.com/international-stocks/ * https://www.reddit.com/r/Bogleheads/comments/1bgzg6w/vooavuv_and_chill_any_need_for_international (scroll down to the comment with a big list of links) * https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4590406 Want to read on bonds? * https://www.whitecoatinvestor.com/in-defense-of-bonds/ * https://www.whitecoatinvestor.com/100-stock-portfolio/ * https://www.kitces.com/blog/stocks-for-the-long-run-siegal-mcquarrie-portfolio-investment-bonds-asset/ Want to read on balancing the two? * https://www.bogleheads.org/wiki/Asset_allocation * https://www.bogleheads.org/wiki/Risk_and_return:_an_introduction * https://www.bogleheads.org/wiki/Risk_tolerance * https://www.bogleheads.org/wiki/Assessing_risk_tolerance I can also make it dreadfully simple. Here's all you need to do: 1. Invest all of your account into your broker's index target date fund. 2. Make your monthly purchases automatic. 3. Forget about it for at least the next decade. Target date funds are designed to do approximately the right thing for everyone. They follow the principles all those links outline. These days, you typically will have a low-fee option. They're just an excellent choice for not having to do any work, and doing work is how we tend to make big financial mistakes.

SirGlass

"Growth" Stocks are not really guaranteed to out perform in the long term, they have out performed the last 20 years or so especially after the GFC However historically value stock returned more for like 50 years before that. So what will return more for the next 20 years ? So the question is do you want to make a bet growth stocks will continue to out perform? If you want to make that bet VUG is a fine index funds, the risk is maybe there is some revision to the mean and growth does not out perform and value starts to out perform like it historically has.

arsome246

I’m 23 and Ive put some savings away for emergency and have gotten to the point where I can shift into investing. I like the idea of diversifying hence why I’ve come to etfs. My plan is to use dollar cost averaging by dedicating a percent of my paycheck. With all that being said I’m still playing with where this money will go. I’ve thought about VUG, I understand the risks of a growth stock but it seems healthy with a good record and I’m young so maybe I could get away with any downturns with time. I’m also considering VOO for the stability. I’m open to any advice and etf recommendations. Please help me make up my mind

amg-rx7

Sell it and invest in VOO, VTI, VUG, or VGT. Ulty looks like a steaming pile of shit

Mr_Cheddar_Bob

VUG

Regular-Hotel892

Are you asking for more volatility / risk than VOO? You could try higher beta, something like VUG

Due-Sea4841

Oh dear...!!! **From Google Finance: Expense ratio 1.14%, Front load 5.75%, YTD return 7.35%, 5 yr returns 11.88%, Yield 2.46%** They took a big chunk of your money from the beginning with that Front load fee, then the high ER, and low yields created low returns over a 5 year period vs. 85-90% for the S&P 500 Index fund such as: SPLG, IVV, VOO. I would sell your Russell fund so it's cash in the account, then I would open the Fidelity Roth IRA account and work with Fidelity reps to have them get Russell to xfer the cash over to the new Fidelity Roth. Then invest in a basic broad based ETF like: SPLG, SPYG, IVV, VOO, SCHG, VUG, VOOG, VONG, etc...or VTI for all US total market. Good Luck........;+)

norcalnatv

You got it. Buy funds like SCHD, VOO, IWM, VUG, VTI, SCHY in your retirement accounts. Go look at morningstar to compare them. Reinvest the dividends through a DRIP. Don't go crazy picking individual stocks, 4-5% max exposure, and don't play options. Diversification is important, invest new capital regularly into what you've got (dollar cost averaging). Then leave it alone, literally for decades. What you're getting by hiring is someone to do that for you. They'll spread your capital out into a bunch of different ETFs (20-30) that are each slightly different, some international and bond funds and pay them 1% for the privilege. They will take things to the next level with tax loss harvesting and rebalancing. It's all automated with them, it's not like you're going to get a lot of hand holding. But you can do it yourself. You're getting it. It's not hard. (I have a high 7 figure retirement account that's all self directed that just took patience, a little bit of trial and error and the occasional course correction. There was a bit of luck in there too.) You're young enough to make some mistakes and it's not going to kill your account. Courage!

clingbat

Some of us wonder if we're being a little too risky with our 401ks dumping it all into a mix of VOO/VUG equivalents. Thank you for resetting my perspective, I now feel incredibly risk averse in light of your rootardation.

Substantial-Aide5728

Looking at the holdings in VUG, it's at 61.8%. VGT is basically 100% tech.

amg-rx7

Sounds like a great approach. Definitely on the right track. Some suggestions: I’d put more money into your 401k. You are allowed to deposit something around $23k per year into the account. This is pre tax money that decreases your adjusted gross income in the eyes of the IRS. Take some profits on your employer stock. It’s had a huge run. Funnel that cash into your brokerage and invest in something else. VOO , other more growth oriented ETFs like VGT or VUG or whatever else you find interesting and/ or specific stocks

amg-rx7

OpenDoor is total speculation. That's ok if you know what you are doing but it doesn't sound like you have that experience so you're asking for trouble. You'd probably be better off jumping onto the Nvdia train for a quick buck. Or understand that building wealth is a marathon not a sprint and put your money to work in growth ETFs like VUG, VGT etc.

amg-rx7

More growth oriented than VOO, try VGT and/or VUG or maybe sprinkle in some GRNY or whatever floats your boat.

Due-Sea4841

Keep cash in a HYSA to cover 6-12 months of expense, then invest what you can inside a Roth IRA for growth. Most can add $7k per year to $8k for those 50 and over. Growth ETFs: SPLG, SPYG, IVV, TCHP, VUG, VOOG, VONG, SCHG, (VOO for Boogleheads).

adrian-monk-

Thoughts on tech exposure in VGT vs VUG?

Rough_Quiet8858

How old are you? What is your investment timeline? Assuming you’re under 65, you will long outlast any given president and policy. No one knows how to time the market, but historically, earlier investments win. If you’re young, I’d do a VOO and VUG combo. Put in money annually. Don’t worry about any dips. They happen. But the fundamentals are strong. Keep going.

Due-Sea4841

I'm confused. Did you buy half their house or the apartment? lol. But anyway simply DCA each month or bi-monthly to take advantage of the ups and downs in prices. And why VUG? I think SPYG, SCHG, VONG outperforms over the longer periods.

AskPatient1281

I would just be aggressive. With that timespan you're good. I would do 70% S&P500 and 30% on something even more aggresive, like VUG or QQQ. Knowing that my emergency fund was set, of course.

BullsThrone

I have $100k available as an initial investment for a 10 year period (possibly longer) in a personal account. I am looking to be aggressive. I asked Chat GPT, and it said: VUG - 30K VXF - 20K VT - 20K VGT - 10K VTEB - 10K I could also VTI and chill, but I’d be happy to live a bit dangerously. What do you think?

jonats456

100% Roth 401K if being offered. I have VUG, VOO served me well for a long time

t4liff

XSP option pricing (midpoints) I'm surprised by how the options that are further out for the same strike (say 680) have a higher price per period (month/day). I would have expected the opposite, I also found this to be true on IVV options. Am I missing something? On a stock or even another index ETF (VUG), the opposite is true. The further out you go, for the same strike, you get less per period.

amg-rx7

KISS… keep x months of “cash” as your emergency fund. Put the rest in VOO, VGT, VUG or whatever other ETFs you prefer + whatever % in Bitcoin you are comfortable with. Expect volatility with the higher risk assets and somewhat optimistic current valuations.

Traditional_Race1482

I’m new to investing just started I have 1000 in VUG is it a bad idea to just non stop put money into only ETF’s

Outrageous_Tip_2133

VTI 30% VUG 20% BRK 10% XLF 10% XLE 10% UNH 5% COIN 5% (for crypto exposure) Cash 10%

Important_Muscle9065

Great use of VOO. I'm a bit further down the road in taking income. I had a similar strategy - instead of buying Jepi, jepq, QQQ etc etc for income I decided I would buy growth ETF's & take the profit. When I started I had to wait a year of course but then my time horizon was long, in fact much more than a year, i'm 82. I did it with SCHG, VOO, VUG & FELG. I only take 1 years 'profit' to cash. Good income & the portfolio doesn't go down. Every now & then I take more than 1 years increase in SCHG & VUG for big expenditure items. Their growth has been terrific. I think there is too much chasing income without thinking it thru.

Happy-Kangeroo

Maybe some in VUG and QQQ instead of all VOO? Could add a little BRK-B as well (which gets you more of a nice mix). Maybe $5k in each per week? Bump it to $10k if you want to go faster. If you need money for a mortgage down payment, I’d put some (or all) in a money market fund. There’s a legit chance of some short term pain in the market (for many reasons).

AvailableLiving1849

FSKAX, has around 3900 stocks and represents the total market. With an expense ratio of .01 to .02%. FDGRX holds less than 600 stocks and has an expense ration of .52% (Expense ratios are important BUT shouldn't stop you if the performance/risk profile is better, unless the expenses are outrageous) FSKAX has "average" risk. Meaning, you are accepting the risk of the entire market. FDGRX has more risk because the concentration is focused on growth. FSKAX has about 1% dividend yield so some companies pay dividends. FDGRX has a 0% (or very close) dividend yield so the companies focus is appreciation only. As you can tell by the expense ratios, FSKAX is passively managed. FDGRX is actively managed. By sector: FSKAX is 31% Tech, 14% Financial services, 11% Consumer cyclicals, 10% healthcare, 9% communications. FDGRX is 47% Tech, 16.5% Consumer cyclical, 13% Communications. 11% healthcare. <5% Financial services. Based on past performance, FDGRX should(don't hold me to it) outperform. BUT(always), will likely have more volatility. If you can stand the drops in Tech when that happens, and ride it out, it might work out a lot better. I am an ETF (VTI, VUG) person. But Fidelity, Schwab, Vanguard, all carry the same(or so close) products. As someone pointed out yesterday, there seems to be a fascination(cult following?) with Invesco. Go figure. Just be consistent in contributing, and MAX out your Roth IRA every year. As I am near/at retirement, the Roth provides so much more flexibility, and also in estate planning because it avoids probate.(Unless the rules change). Best of luck. Just keep at it.

Whole_Natural_7809

I actually contemplated a lot between VUG and VGT a couple of years ago. My investment assumption is that the tech sector will outperform all other sectors so considering the risk I decided to go with VGT. It has more holdings to spread the opportunities in emerging tech companies (sometimes counterintuitive as some may fail as well). Additionally based on the past performance (of course not an indication of future performance) VGT outperforms VUG. However I would agree that VUG also provides solid (near VGT) performance with some diversification.

adrian-monk-

Any specific reasons for VGT over VUG?

zel_bob

Isnt QQQM better. Not as good maybe as VUG but still better than QQQ? I don’t understand what makes it less

giraloco

Exactly. On top of that the QQQ fee is 0.2% vs VUG 0.04%.

pandadogunited

QQQ has shitty selection criteria. What exchange a company chooses to list on is immaterial, and a frankly stupid way of choosing what companies to invest in. If you want tech, invest in an actual tech fund like VGT or XLK. If you want growth, invest in an actual growth fund like VUG. If you want mega caps, invest in a mega cap fund like MGC.

rufio313

At your age, the biggest weapon you have is time and a long runway for compounding, not trying to pick the perfect ticker. If I were in your shoes at 22, with no plans to touch this money for decades, I’d keep it stupid simple: • 80-90% in something broad like VOO or VT (or a split between them if you want more global exposure) • 10-20% in something more aggressive like QQQM for a tech/growth kicker • Auto-invest every month, don’t panic sell, and ignore the noise The exact percentages matter way less than consistently putting money in and leaving it alone. Most millionaires were built from boring compounding, not lottery-ticket stocks. If you get nerdy about it later, you can tweak. But at 22, the “boring” option is secretly the most powerful. Since you mentioned you aren’t sure of the differences, here is a breakdown: 1. S&P 500 ETFs (VOO, VOOG, etc.) • VOO = S&P 500 index (biggest 500 US companies, weighted by market cap) • VOOG = growth-tilted version of the S&P 500 (heavier in tech and high-growth companies) • Pros: Low-cost, diversified, historically solid returns. • Cons: Only US large-cap stocks, so you’re missing international and small/mid-cap exposure. 2. VT (Vanguard Total World Stock ETF) • Owns essentially all investable stocks globally (US + international). • Pros: One and done diversification. You own thousands of companies. • Cons: Slightly lower historical returns than US-only funds because international markets haven’t done as well lately, but that could change. 3. QQQ / QQQM • Tracks Nasdaq 100 (very tech-heavy: Apple, Microsoft, Nvidia, Amazon, etc.). • QQQM is basically the cheaper-fee, lower-minimum version of QQQ. • Pros: Higher growth potential if tech keeps dominating. • Cons: Less diversified, can swing harder in crashes. 4. VUG • Vanguard US Large-Cap Growth ETF. Similar to VOOG, growth focused. • Pros/Cons: Same as QQQ but a bit more diversified and not as purely tech.

Resident-Pattern4034

VUG and chill might have better return

Robertroo

That's a pretty wild set up! The single largest us stock + the rest of the world besides US. I'm doing something weird with my Roth, I'm doing 60% VUG 10% VXUS 10% IAUM (gold) 10% in HODL (bitcoin) I figure that's four uncorralated assets, that are all pretty much guaranteed to grow. Seems like money flows from one assest to the other along the way. Gold and Ex-US seem to inverse the top US Stocks, while bitcoin is just a Rollercoaster that seems like its still on its way up before the big drop off. 🎢 📉📈📉📈📉

redhill_qik

The majority sentiment here is VOO/FXAIX/SP500 over large cap growth like VIGAX/VUG/VONG, but personally I prefer it and have done well with this concentrated index.  https://portfolioslab.com/tools/stock-comparison/VIGAX/VOO

jonats456

ETFs are serving me well (VOO/VTI + XLK, VUG/QQQ) as my core ---with a mixture of mega tech stocks + WMT, COST. Built these overtime using DCA, then rebalanced when needed, and buying even more when markets tanks. Makes me sleep well at night.

burnertaintlol

Over the last however long there's been a lot of news from Apple that isn't great. I'm an Apple fanboy and I can tell you all about it. It's certainly possible Apple isn't going to grow like they used to, they're already a $3T company ffs However- AVP is only a bust if they let it be a bust. They sold as many units as they predicted they would and could make. They said from the beginning it was basically a dev and early adopter product. I hope they aren't going to abandon it for the glasses movement, we'll see. I'm also hoping their recent internal shuffling of execs doesn't bury the AVP. Late on the AI game 100% but they are aggressively working on that and said on the call they are "very open to M&A that accelerates their roadmap" They just added the AppleCare One subscription that I think will be a good source of reoccurring revenue They are already working on the smart glasses...and historically Apple has always gotten things right or executed them well or better than anyone arguably I think long term Apple is a great hold. I really do think they need a new CEO and will really benefit when Tim Apple leaves. They just did a major internal shakeup regarding AI/SIri/AVP etc. I think eventually they'll come out as a major player in the AI/Siri game for the average consumer. Everyone already has an iPhone, everyday people aren't switching from an iPhone to Android for Gemini and they'll be blown away by whatever Apple buys or comes up with in eventually if they aren't already using AI. It's not like they can't keep using an iPhone with ChatGPT or Gemini apps. I really do think the best investment advice I would give is just buy the index. Maybe go heavy into QQQM or MGK or VGT/VUG etc. Very tax efficient and takes the human behavior and basically often being wrong and never beating the index over time out of it. If I want to play individual stocks I think the best advice is to just buy whichever of the top megpacaps is down and never sell. There all gonna go back up despite what the current narrative is on them. An ETF can do this for you tax free though. MGK is very mega cap tech heavy and has a .07% ER. Like 60% of the ETF is MSFT NVDA TIMAPPL GOOG AMZN META NFLX and you won't have to worry about when to sell and tax consequences of doing so.

GMVexst

I do 50/25/25 VOO VGT VUG. VUG has a similar performance but a better risk profile. I think technically VGT and VOO have similar risk. VGT is 16% NVDA, something to keep in mind if NVDA growth slows towards 5 trillion.

octopus_serenader

i'm doing a 25/25/25/25 VUG/VFMO/VTG/VXUS instead of VTI

No_Skirt_4689

18% VUG 49% VTI 33% VOO Cope and seethe degens

Lakeview121

True, but VTI and VOO are very similar. VTI is over 80% VOO. Sprinkling in some VUG or QQQm not a bad idea.

Uniquename34556

Split it 40/40/20 on VOO/VTI/VUG Minimize risk while still betting on tech.

TheSleepyTruth

Or if he really wants to focus on growth, VUG

Livid_Lavishness_396

I would say mostly just VOO, or VUG if you want a little better growth potential. Maybe mix in some individual stocks at lower percentages if you're really bullish about them.

bubblemania2020

VOO, VUG, QQQ. All or any one. Save your brain and energy for something else rather than picking winners.

upwardmomentum11

Because my current age: VUG VOO VBK

Loose_Hornet4126

Sometimes I feel bad about some minor losses in my VUG and SPY portfolio. Then I remember regards like this, they do "DD" and it doesn't mean anything. You lost, accept it. Instead regards just let it wither away. Meanwhile you're missing out on the market gains buying that dip, even if it loses short term with news. Your account sucks OP. It doesn't matter if you get lucky and it turns around so you can finally brag "told ya I was right!" You still are a regard for gambling and wasting your time instead of doing worthwhile stuff with your life as an opportunity cost. You took a low percentage chance of a payoff turnaround and you were wrong, end of story

Forecydian

AGTHX started in 73, it’s beaten the sp500 for most time periods , the last 10-15 years it’s been toe step essentially . It’s an active mutual fund that in the past was more mid cap heavy , but for a long while is squarely large cap growth . However , the fund managers still stick to having mid cap tilts, so when you compare the fund to large cap growth like VUG SPYG SCHG their median market caps are around 750 Billion and their top ten holdings are 60% percent of the fund , where as AGTHX is about 300 B market cap and 37% top ten. So it’s Morningstar 9 box style places it in large cap growth but it ends up behaving more like the sp500. You can plug these funds into portfolio visualizer and see their fund correlation, AGTHX is more related to Sp500 than VUG. All in all, its ER is pricey unless you have access to R class shares, but it has historically paid off. You most likely won’t severely underperform or over perform the sp500 in the long run .

acreekofsoap

VTI (VUG is ya sexy) or die

Spicy__Urine

Id want to put money into a globally diversified account, in ur situation. Say $VT. Myself, I own VOO and VUG with most of my assets, but I am looking to get some VT next.

Less_Suit5502

Amazon, VOO, and VUG

No-Case-2212

It doesn’t necessarily have to be all in QQQ (I have QQQM, which is the same thing but slightly lower expense). I also have VOO, SCHG, SPMO, FBTC, VUG. A lot of ppl will say (and have said) “ there is sooo much overlap”. But who cares! I like tilting towards certain companies, so i buy all of these. As long as you are investing, be proud of investing!! Again, it doesn’t have to be one or the other.

Poseidons_kiss81

This should help my VUG position

CarpetNo1309

My advice is to invest your funds in an ETF. It will give you some diversification. SMH , VGT, and VUG have positions in Nvidia. Those ETFs will guard against the swings of holding just that one position. Not trying to discourage you from investing in Nvidia. I have a substantial position in the stock. However, I have a trailing stop set at 7% to guard against losing the bulk of my gains. I also have the ETFs mentioned above. Stay focused and follow the stock trading rules.

_Yellin_Keller_

Just chill in VUG and VOO. Lots of time to grow.

SmokedRibeye

VUG for growth

Vicious_Paradigm

$VOO crew and $VUG life probably would have done better for me than my own choices since 2022 anyway. 😅

RightToTheThighs

If you need to ask just put it in VUG and forget about it

weouthere96

VUG is good too!

Redditridder

Take a look at VUG - it's the market growth index fund. With a slightly higher risk than VOO it recovers nicely from dips and grows faster. I have about 50/50 VOO/VUG. allocation for 80% of my investment. Rest is funny money, like 2x leveraged SSO QLD USD and some single stocks like NVDA

saucyfishy

VUG

Historical-Cash-9316

VUG

007meow

See if your company has some kind of autosell plan - that can help bridge the gap between a “vest date” and “sell date” a bit, since there’s usually a few days of lag if you do it all manually. I do that with my RSUs, and since I don’t want to miss out on big company gains, I do an 80/20 split between VTI/VUG. That way I do the smart thing with diversification but also satisfy my monkey brain for “individual stock go up faster”

Emotional_Mud9557

40% in VUG, 40% in VIG, and 20% in BTC. Start adding 10% of your pay every week that way.

stbloc

Put 50% in VOO and 50% in VUG

xXGokyXx

Why not do VUG or SCHG

Apprehensive_One315

Just buy VUG then

penilefracture69

I’m in my 20s so I go all VUG in my retirement account

stbloc

I have about 500k under an advisor with ML and I question myself why am I paying him to manage a balance portfolio when I could just put it all in the VTI or VOO with a sprinkle of QQQ. My work 401k routinely beats him but I’m also 100% in VUG. I really want to pull my money from him but he’s been helpful only from a psychological standpoint and I guess that’s why I keep him around. Without him I might do something stupid with my money and I look at him as a gatekeeper.

Least-Walrus-422

My IRA is split between VOO and VUG. Pretty pleased with it. My 401k is all S&P.

micha_allemagne

You're basically triple-stacking US large-cap growth. QQQ and VUG heavily overlap, and FXAIX already has a lot of exposure to the same names. You're not really diversified. Consider small caps or international. Here’s a breakdown of your portfolio: https://www.insightfol.io/en/portfolios/report/1b9fcbd9c7/

GaylrdFocker

>[https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) There is a lot of overlap between QQQ, VUG. Not much reason to hold all. Also QQQM is little better than QQQ (cheaper). You could do 100% VT or 80-90% VT and 10-20% QQQM or VUG to make it more growth based.

DaemonTargaryen2024

> I have 40% FXAIX, 40% QQQ, and 20% VUG. Decent start but some thoughts: - why no international? - why no small or mid cap? - QQQ and VUG are more aggressive funds meaning higher volatility. Are you comfortable with more substantial swings? > I had VOO and FXAIX but i sold the VOO Yes that’s fine, they’re the same thing > trying to be more aggressive but still have stability. Contradiction in terms. Stability means no loss or growth. You want long term growth.

escapefromelba

True, VUG takes on more risk, but that’s the trade-off for capturing outsized gains from the few mega-cap growth stocks driving most of the market’s returns. 

FightOnForUsc

VUG returned 350% vs 260% for the SP500. That is obviously more, but it’s also taking on more risk.

escapefromelba

It wasn't that hard if you just bought VUG and VGT. 

thonda27

I started vanguard brokerage account 2014 shows 13.40% return rate since then. Majority of it is VFIAX. I have some VUG and VGT in it and some other ETFs. I don’t sell and have it set on auto purchase weekly. It was on biweekly but changed to weekly in case in dips.

critterdude311

\* 50% VTI/VUG/VGT equivalents \* 40% IBIT/FBTC/BTC equivalent \* 10% real-estate. \*\* Utilize your tax-advantaged retirement accounts \*\* DCA in to these over your lifetime. \*\* Maximize your income by becoming exceptional at what you do for a living. \*\* Remain patient and steady. Yes, it's really this simple. No, it is not easy.

8utterbee

How about a small percentage for growth ETF’s like SCHG or VUG or QQQM, or crypto ETF’s

Happy-Kangeroo

Index funds seem smart. Buy them in small increments over a six month period. Then don’t look back. In ten years, you’ll be very happy! Put money (somewhat evenly) into: 1) S&P 500 Fund (SPY, VOO, VUG, IVV) 2) QQQ (nasdaq 100 fund) 3) BRK-B (Berkshire Hathaway) 4) Blackstone (if more risk seeking) Then pick a couple individual stocks if you must (but understand, the funds above own a ton of AAPL, NVDA, MSFT etc). You’ll own them by default without the daily risk of something hitting any one company. That said, a lot of people have made a ton of money just staying in the Mag 7, lol. Who knows!

HotTonight6

I moved 20k from my low bank funded “money market” into my fidelity account. Question now is throw it in VUG with the ever growing AI boom at current record highs, or wait for a market drop and then invest?

yaletown28

You’re already pretty growth-tilted VUG + QLD gives you serious upside. If you want to go more aggressive, maybe dial up QLD slightly or add some EM like VWO for non-US exposure.

Happy-Kangeroo

QQQ, SPY, VOO, VUG, IVV are all good. You could also consider BRK-B. Berkshire Hathaway has some nice diversification with some stability (lots of Apple stock, oil stocks, AMEX, B of A, Geico, and dozens of other things. They’re also sitting on a ton of cash.

squid_usa

Sell all that but VOO and PLTR. Then get some VUG to cover all that Tech. Also a monthly dividend stock like O or MAIN for fun too.

wonderboy2402

I am DCA equal split evenly in VOO/VUG/VYM every week.

rjbarn

Great day to be in $VUG

Prudent-Corgi3793

IMO, the most aggressive I would recommend as part of a core position is an ETF like either VUG or SCHG (US large cap growth). They slant very heavily to "tech" (about 70% in information technology, communication services, and consumer cyclical), but they don't arbitrarily restrict themselves to one index or cut off an entire sector like the QQQ. There's also enough backtest data going back to 1972 justify that it's kept on pace with VOO and VTI (mostly due to recent outperformance), even if the academics suggest that you should be going for small/value.