VUG

west_beach

VUG Vanguard growth ETF

HistoricalRock7146

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.

AdamGSMA

VOO and VTI ETFs are solid choices. You can also invest in higher growth funds like VUG or SCHG.

CrossoverEpisodeMeme

VOO is up 225% in 10 years VUG is up 347% in 10 years QQQ is up 439% in 10 years

amg-rx7

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.

TickerTrend

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.

CaptainAwesomeZZZ

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.

Redditridder

There's also VUG that seems to outperform VOO quite well, and not drop much more than VOO during corrections (and recover fast).

Outrageous_Tip_2133

40% VTI 30% VUG 20% BRK 5% Bitcoin 5% GLD Overall, a very passive portfolio. I almost never sell, just buy with every paycheck.

AskPatient1281

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.

Important_Bat7919

How about VUG?

Icy-Mycologist1524

Sounds like my portfolio, what are your 3 funds? vOO/spy, QQQ/VUG and ?

MLB-LeakyLeak

You should learn more about investing. Plot $VTV (Value stocks low P/E) against $VUG (growth stocks (high p/e)

Playa4thee1

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.

Playa4thee1

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 ------

CrossoverEpisodeMeme

VOO is up 108% in 5 years VUG is up 124% in 5 years QQQ is up 132% in 5 years

AsheronRealaidain

VUG

Samui-747

VUG

RavenGentlyRapping

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.

Psychological-Ship85

Selling covered VUG calls may not have been the best move

Playa4thee123

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.

amg-rx7

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

ymbhatt

VUG

SteevieJanowski

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.

fireduck

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.

Elway044

Just buy the VOO the VUG and forget about individual stocks.

fireduck

All you want is VUG. Sometimes it is spicy but usually awesome. 30% bonds? Fuck that, 100% VUG. VUG LIFE (Vaguely flashs gang signs)

Tuxcali1

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.

Playa4thee1

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.

rumpler117

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.

robotexan7

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)

thunderwarm

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.

Psychological-Ship85

VUG

Heyhayheigh

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!

IntelligentKey6929

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.

thonda27

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.

Enough_Fact1857

I was worried about 20% VUG making my portfolio too much growth tilt. Then I see this post with 41% tesla. LOL

Loose-Knowledge-

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.

areonautic_ace

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.

neonam11

SPMO, SMH, VUG, VONG, SCHG, QQQM, MGK pick your flavor

CeoIanGodfrey

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

oojoshua

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.

AsheronRealaidain

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.

ThanksS0muchY0

VUG and VYM are dividend vanguard ETFs, for anyone wondering

1percentagarose

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.

maydayvoter11

QQQ, FBGRX, IWY, VUG, FDSVX, VOOG, FCNTX, FXAIX, have 10-year total returns of 523% to 299%.

I-STATE-FACTS

do you mean dividend growth ETFs (VIG, SCHD, SDY) or growth ETFs that also pay out dividends (QQQM, VUG)

WillyLoman1980

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.

MGreed2

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.

No_Thanks_3336

What you want is VUG

LittleGremlin242

!banbet VUG 490 8d

MoneyElbow

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.

ptown2018

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.

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. 🎢 📉📈📉📈📉