VUG

RJ5R

Your core investments in your retirement accounts should be the broad market. If you want to do growth plays on the side in your taxable brokerage either via index fund like QQQM or VUG, or stock picking, go right ahead.

alf_london

Fair point about bonds. But I think that’s a known factor - that it will underperform the index because it’s a safer asset and less likely to fluctuate down or up with as much volatility. I don’t think someone holding VUG / more growth think it’s going to underperform VOO / more value because they think VUG safer. In fact the opposite - they believe it will outperform VOO at the expense of higher risk

Ghorardim71

Skip pltr. Why don't you try ETF as a starter? VOO, VUG, VGT

Potential_Lock6945

Of course past history doesn’t guaranteed anything in the future but I sleep very well at night holding VUG. The fund managers have done an excellent job identifying companies they see as growth companies and allocating out of companies they no longer see as growth.

MotoTrojan

This argument would make sense with small-value (AVUV or similar) but VUG is not expected to outperform the market. Just because it has recently (yes 10 years is recent in markets) doesn't mean it is expected to continue.

scientropic

I nominate VT. It contains all the stocks in VOO and VUG, plus small caps and developed and emerging markets. It’s casting a wider net for potential growth and is a more forward looking approach. As every prospectus states, past performance is no guarantee of future results. It may be boilerplate, but in my experience no truer words in finance have been spoken.

MotoTrojan

AVGE and chill. 70% US, 30% ex-US, modest tilt to size/value/profitability factors, and tax-efficient automated rebalancing. Higher expected return than VOO, and even more so VUG.

Nuclear_N

VUG has an impressive return. VOO or the 500 is my base investment and essentially what I have as my base. It is what I consider the market. I also have a mix of QQQM, which is more VUG....but VUG performed better. I have a mix in my investments of SPY, QQQM, and then specialty indexes/AAPL. I like SPY as a base because I just feel long term it will come back out of any down turn that I have lived through. QQQ I see as a bit more risky, buy returns are amazing. I probably could find a fund that is in the middle somewhere, but that is much less fun than seeing the shiny semi conductor index bring in 100% return.

Unique_Loquat_9848

VUG is great, but is going to have a lot more volatility. Easy to look at past returns and think you can stomach the bigger downturns, harder to actually do in practice.

Potential_Lock6945

I guess it depends on your age. I am 27 years old and I prefer VUG over VOO. The risk is that VUG is more volatile than VOO, so bad days in the market, expect VUG to be down more than VOO and vice versa

churoc

VOO is vanguard’s ETF that tracks S&P 500 VUG is vanguard’s Large cap Growth ETF is more concentrated and focus on growth criteria with 200 companies. VUG is more comparable to QQQ.

churoc

VOO is vanguard’s ETF that tracks S&P 500 VUG is vanguard’s Large cap Growth ETF is more concentrated and focus on growth criteria with 200 companies. VUG is more comparable to QQQ.

Virtual_Cut7004

I have VOOG, VONG, VUG and VGT. VGT has had the largest returns, but they've all done really well overall.

kcdaren

Were they incepted at the same time? If not then those specific "since inception" numbers are pointless.That being said, VUG will get you more in the long run. But maybe you have other investments that maybe mirror that. Both are highly regarded funds.

Sarahstar135

Could someone explain what is VOO vs VUG to me? I had never hear that and was curious to learn more

Exotic-Management127

You get more diversification with VOO as VOO encompass both growth AND value large cap stocks while VUG only includes growth large cap stocks. This trend can be seen by VOO dividend yield % being more than double of that of VUG. Don't overthink it, VOO and chill is the way.

eagles16106

VOO. VUG returns are just because large cap growth have done well recently.

Kindred87

I suspect that the performance delta may be explained by large cap performance over the past decade relative to small cap. I'm personally waiting for a business cycle recovery or changes in the macro environment before I reallocate more heavily into small cap. I don't see a clear path to success in the near-term. Perhaps consider splitting between VOO and VUG but weighted in favor of VOO if you believe that it will offer superior performance for your investment horizon.

RandolphE6

"Growth" does not mean what most people think it means. It does not mean that the stocks/funds will grow your money more. It means the underlying companies are focused on growing themselves and are as such traded at a valuation with future anticipated growth in mind. In many cases, this growth can come at the cost of profitability for the promise of future returns. Over recent history, growth stocks have outperformed value, in part due to valuation expansion, which is why you see VUG outperforming VOO, which is a balance of growth + value. However, this is not always the case. Historically, value has outperformed growth and there will likely be a reversion to the mean. Here is a quote from Larry Swedroe, head of financial and economic research for Buckingham Wealth Partners: >The historical evidence demonstrates that an investment strategy that bets on growth is a strategy likely to disappoint because growth is neither persistent nor predictable and because value stocks should have an embedded risk premium (noting that risks, of course, can and do show up).

mylefthandkilledme

VUG, VOO, VTI are basically as safe as it gets when it comes to index funds

Adventurous_Sky_7936

VT, VTI, or VOO 1/3 SCHD, VYM, or SPYD 1/3 QQQM, SCHG, or VUG 1/3 Do your research. Understand what the funds hold and their weight. Expense ratios, dividends, historic returns, sectors, liquidity, overlap…

soccerguys14

VUG, QQQM, & VOO for me. Sprinkle a little AVUV

itisj

some of the one i am currently playing with are QQQ, VUG, IWF, AOA, SCHG and couple other ones that have more shares on tech sector

NoListen802

VUG and forget about itttttttttt

Ghorardim71

QQQM/VUG/VOO/VT depending on your risk tolerance.

Nramach

115k at 22 years is very impressive. So first of all - congrats on setting a great foundation. Here is how I would target the overall portfolio - invest in 3 funds. First - cash - keep about 2 months of expenses in an emergency fund. Second, build your foundations of about 40% of assets in an index fund ( VTI/VOO etc). Then build a dividend portfolio ( SCHD/ VYM) with about 25-30% of portfolio and finally a growth focus ( QQM/VUG etc) with the remaining. You can maybe put 10% in REITS as well for full diversification. Dividends and REITS go to your IRA/401k for tax advantages. All the best!

dasbates

Well yeah, I plan to keep making contributions. Probably VOO goes up 6%-8% annually, probably VUG and VGT go up a bit more. By 20-25 years, yeah, that's at least 2, maybe 3-4 million. But the exact math isn't really the issue here. It's more the question of dividends vs. 4% spend down.

Apprehensive-Ad-5009

VUG, that's about as aggressive as I would personally get.

jeffh19

just buy some growth funds (or probably total market if you're holding forever which is always the smart thing VUG VGT (tech not technically growth fund) QQQM (nasdaq not technically growth but full of the biggest growers/tech companies) But my recommendation is just buy as much VTI or VTSAX as you can as often as you can and never sell it and become a millionaire way faster than you'd think instead of making some wrong guesses and not timing stuff right etc etc

breanneoftaarth

Boo. Look at the 10 year returns of each fund. If you’re young then you should have more exposure to growth (VUG and VOO). In no way is it unnecessary overlap.

Mbanks2169

That's just the money in and money out to whatever funds you bought. Also VUG in 100% in VOO which is 100% in VTI so unnecessary overlap

Dr_Gamephone_MD

VUG

ShotAssistant1452

Maybe try 50% VTI and 50% VUG

hookisacrankycrook

Got into PAA and ULTA this morning as well as more VUG. Debating ADEA and ALT as well

Upstairs-Bicycle-703

My Roth was 5% GLD and about a month ago I said “eh, it’s better off in VUG”. Kill me

UsernameIWontRegret

SCHG and VUG are both ETF’s.

Tuxcali1

I have mine split 40 VGT, 15VUG , 15 VGT, 15 GNR and 15 XME . Granted, a lot of overlap at the topbut I'm fine with that. Has been performing great .

GaylrdFocker

Zero reason to have VTI/VOO/FXAIX all at the same time. Do not use TQQQ (notice how TQQQ never returned to all time high even though QQQ did) or individual stocks, and QQQM is fairly close to VUG., you could pick VUG instead of QQQM but wouldn't do both either. Holding VTI and QQQM/VUG is very aggressive and a decent long-term plan, but you should have 20-30% Intl fund (VXUS or similar). >I read online that this may be too safe for someone my age  Not at all. 100% equities is not "safe" it's very aggressive and being 100% US is more aggressive because Intl has outperformed US and the past and may again, just hasn't lately.

Charlie_Q_Brown

It does and VGT and QQQM consistently beat SCHG and VUG. The less stocks in a basket, the more the volatility. When I was young, I enjoyed the wonderful world of growth and technology. Now that I am old, I really like the lower stress and sleep I get every night.

creemeeseason

Is it guaranteed? The last 15 years have been an absolute cherry market for big tech. They were trading at depressed valuations, we had 0% interest rates, and there was little competition for any of those names. Not every era is like that. Look at 2000-2009. Value outperformed growth. Holding names like VUG would not have performed as well. So, are we in the era of growth, or value?

BigBoobsAreDahhBest

SCHG is a great alternative to VUG.

DribbleBaby

You should be comparing IWY to VGT, not VUG. IWY/VGY = Tech VUG = Growth

Stright_16

I’ve recommended people buy the total market like VT, and can compliment it with a US large cap growth ETF like VUG or QQQ

NArcadia11

I pair it with VUG, and to a much lesser extent, SCHD. But full disclosure, I don’t know what I’m doing.

iiSquatS

You have things so similar. Like VOO/SPY/VTI. Pick 1 Of of the 3, sell the other 2, put all the money into 1 (I’d pick VOO personally) QQQ, VUG, and SCHG are also going to be very, very close in returns, pick 1, put the money from the one you sell into the one you want to keep. (Personally I like QQQ since it actually follows an index). That cuts down quite a few just there.

Fun_Grapefruit_3416

I would pick 1 total market fund like VTI and maybe 1 growth fund like SCHG or VUG and start there. You need to focus more on contributions

crdtd

I highly advise buying ETFs. That’s a lot of individual stocks to try to keep track of. VOO, VTI, VT & VUG are pretty easy buys. I’m 23 and have a lot of time so I also utilize a couple leveraged ETFS, such as SPUU, FNGO & TQQQ

CLJ61

If large caps sell off, I would start building a position in VUG. It’s an excellent growth fund, but I agree that large caps are pricy right now and a drop may be coming so I would wait to add to this one. As a complement to VTI, I would also suggest CGUS. It has a higher expense ratio, but it beats the market so I personally think it’s worth it. I use CGUS as an alternative to ETFs that track the market (think SPY, VOO, VTI), and it’s treated me very well.

liluzivat

VUG

TheWolfOfLosses

get some VUG also! great start buddy anything is better than nothing. compounds over time.

Tuxcali1

Either VUG or VGT will do.

cdude

Microsoft, Amazon and Google are already a relatively big percentage of VOO and VUG, so you're going heavy into those companies by also investing in them individually. Being 48, i'm sure you remember when Yahoo was the king and Google was some unknown little search engine. Things can change a lot in one or two decades. Don't chase dividends, they are not free money for holding stocks, they're not like interests you get from depositing money into a savings account. Companies pay out dividends from its cash reserve, so its value is now less. That's exactly what happen with the stock price, it drops by the dividend amount. The company is just giving your money back to you. Now, investing in dividend-paying company as an investment is another matter. High dividend paying companies are usually stable and established, but they don't have potential for growth, so over a long period of time, growth companies have higher potential. You should stick with VOO, some VUG is fine, but either lower significantly or drop individual stocks unless you are comfortable with the risks.

The-dudeLebowski

Invest the same percent of your monthly income (ideally 20%) into an etf like VUG or VOO for 30 years.

Sinister76

New investor here looking for general advice about taxes best way to mitigate a high tax bill , general logic for and against dollar cost averaging and a honest opinion about the stocks I purchased good and bad opinions, thoughts and advice welcome just trying to learn as I don't know alot nor do I pretend like I know hat I'm doing I have to start somewhere Voo 21K SCHD 17K MSFT 5K Amzn 5K V 4.4 K VUG 5K Goog 5K Can someone let me know what's wrong im 48 and trying and want to retire in 13 years plan to open a Roth at Max deposit for my age plan for it to be etf and dividends Please help Total invested 70k vanguard

The-dudeLebowski

Also consider VUG for more risk/reward

The-dudeLebowski

Put 20% of your income into VOO or SPY (or VUG if you want more risk/reward) each month for 30 years and fill your Roth each year from that. Thats all you need to do its that simple.

Pleasant-March946

Decided to just split my investments (on my own) amoung VOO, SCHD Dividend ETF and QQQM & VUG Growth ETF'S. Thanks for all your advice

dzenanmo82

Is it worth holding both VT and VOO in a portfolio? Current holdings are VT, VUG, VYM, BERK.B, and BND. Thanks

Scourge165

I bought a couple of rental properties. A 3 story and two Side-by-side duplexes in Milwaukee's Riverwest neighborhood and then a 40-unit apartment building in 2010. They increased in value a great deal, but the capital gains hit was MUCH bigger when I sold due to depreciation I'd claimed for years. I bought these when the housing bubble had popped and they were all at near all-time lows. I'd have done much better if I'd put my money in just a general index fund. Not saying Real Estate isn't a great investment, but...the overhead can be enormous. And with the interest rates...at the very least, I'd wait until they drop(if he can get approved for loans...and he's starting with 18K). I'd say he can afford to be much more aggressive. NVDA, Meta, any of the magnificent 7(even Tesla) or something like VUG.

Any_Angle_5815

I (44M) am a single parent of two kids who are wholly financially dependent on me. I do not (currently) live in the US. I have $314K to invest in the US stock market. I wish to grow this money as best (fast?) as possible. * I do not need to split my corpus 60:40 in equities:bonds, since I have other investments outside of the US that complete my portfolio. * I am investing $50K out of this in an early stage VC fund. I have known the Principal of this fund for 20+ years and feel confident about the fund's strategy. * I have invested the balance in VOO, VTI, VUG and QQQ. I am unable to decide the ratio between these ETFs (which is the motivation for this post). Should it be VOO:VTI:VUG:QQQ 1:1:1:1, or a little less risky 2:2:1:1? A bit of my background, since I see that this usually helps folks when making recommendations. * I am currently able to save \~$80K/year from my job. My health has progressively deteriorated in this job and I'll likely have to quit it soon. * The savings I have are enough for me to retire comfortable in my country of residence. I am currently constructing a forever home in the mountains. * The savings I have are simply not enough to send my kids to (undergraduate) college in the US, something they aspire for. That would (allegedly) cost close to $500K per child. * I also own a business that has done reasonable well for itself in the last few years. If I quit my job and put in a bit of work into it, this business would easily pay for the current living expenses of our family of three, and my individual living expenses till I retire. * The current hare-brained plan is to * Quit my job and focus on my health and my business. * Grow my savings as fast as possible so maybe it can fund my kids' educational dreams (if not two undergrads in the US, then an undergrad in Europe followed by a postgrad in the US). * If I end up losing a chunk of my corpus due to the high risk I am taking, I just go back to wage slavery and build it back up over a few years. * I do not have debts. I only need the money when I retire in 15+ years, and when my kids go to college - within the next few years. I could do something wonky like take out student loans to pay for their college, while letting my corpus grow. And at some point when the corpus outgrows the principal amount of the loan(s) I pay them off.

No-Argument-3444

SCHG is arguably the **best** growth ETF and somehow has a ~50% return over past year but that is an outlier.  Its 10 year CAGR is 15%. Whatever you do, DONT do $VOO and instead do $SCHG/$VUG/$IWF/$SPYG

CaptainAwesomeZZZ

I had a similar problem as you, but only up 400%. I ended up selling 2/3rd's of my AAPL and buying VOO and VUG with it. Which also own Apple... :D

Investiv

There are thousands of people who went all in on FAANG stocks and outperformed the market significantly and consistently. There are thousands more who held VOO and just went overweight MSFT or NVDA or some other outperforming stock, and they've also outperformed the market consistently. If you picked, say, MOAT or VGT or VUG as your primary investment instead of VOO or VTI, you'd have outperformed the market consistently over time. Hell, if you just went 99% VOO, 1% SMH you'd outperform the market consistently over time. And if you did any of these things, you outperformed the market easily, without being a genius, without being "headhunted" by hedge funds, and without putting much effort into it at all. What does this tell you? It should tell you that it is a completely made up myth that retail investors can't outperform the market. You're emotionally invested in the boglehead myth that retail investors can't do this, despite all of the evidence showing that, in fact, they can.

NearbyAd8172

VGT 401k VUG ROTH

hookisacrankycrook

Im gonna prolly throw VUG in there with VOO. I'm gonna flip my MGK to VUG here soon

jeffh19

I guess it depends how/which subsection and with how much etc...I'd mostly just say stick to total market/sp500 I'm totally fine with adding some QQQM/VGT/VUG etc but just as an index fund type with some bigger stocks, not some super specific fund like chips that are only used in healthcare facilities in emerging markets lol

redhill_qik

The retirement year funds are usually 5 year period and not 1 year, but any case what you are suggesting is weird/inefficient.  These target date funds are usually made up of the SP500, an international equity fund, a bond fund and fourth equity fund of some type. The percentage in each adjusts each year with the bond fund being a low percentage at the beginning and a high percentage at the end. If you want to be aggressive then just go with a S&P500 or IMHO a large cap growth fund (SCHG, SWLGX, VUG, VONG, etc).

shekr17

severely under rated ETF..blows away QQQ/VUG/SCHG

httmper

Ok question, So VTI owns like 99% of the stocks in QQQ, VUG, SCHD, VO, AVUV. Are you trying to increase your percentage in those sectors to try and maximize gains…..which I can agree with if that’s your motivation. Cause you know the bogleheads will be like just put it all in VTI, you have all this overlap. (I’m a modified boglehead, most is in total market index but I do have sectors I want to increase my weight in). So I personal have no issue with your breakdown

Dougnifico

Foundational = VTI International = VGK, VPL, and EMXC. (Basically VXUS with no China). Growth: QQQM, VUG Value: SCHD (technically a dividend fund but works great as a value fund) Small-Mid Cap: VO, AVUV

sk1990

Hello: I have approximately $200,000 in treasuries that I hope to start DCA into the market over the next 12-18 months, likely in $10-20k chunks. I was thinking of doing a blend of VOO, QQQM, and IWF which each time I deploy funds into the market. Is this a sound strategy? For example, approx. $4,000/month, give or take, of VOO, QQQ, and IWF for the next 18 months, give or take? Should I do 50% VOO, 25% QQQM, 25% IWF? Is there any benefit of SPY vs VOO? QQQ vs QQQM? IWF vs VUG? I plan to buy/hold long-term, no options trading. Thanks for any feedback, I appreciate it.

Relative_Treacle_597

I am 40 year old from from USA and has full time job I'm relatively new to investing and looking to start building my portfolio with Vanguard ETFs. After doing some research, I've narrowed down my options to the following stocks: VFIAX (Vanguard 500 Index Fund Admiral Shares) - 10K VTWAX (Vanguard Total World Stock Index Fund Admiral Shares) - 10K VOO (Vanguard S&P 500 ETF) - 8K VUG (Vanguard Growth ETF) - 8K VTI (Vanguard Total Stock Market ETF) - 4K VGT (Vanguard Information Technology ETF) - 8K VHT (Vanguard Health Care ETF) - 7K I'm aiming to invest for a balanced portfolio that offers good potential for returns over the long term. I'm particularly interested in knowing the differences between VFIAX and VTWAX, and which one might be a better fit for my investment goals. Additionally, any insights or advice on the other ETFs listed above would be greatly appreciated. I'm open to hearing about your experiences with these funds, any pros and cons you've observed, and how you've incorporated them into your own investment strategy. Thanks in advance for your help!

nats13

VUG

Federal-Garage-7460

The 3-year-return of ARKK is negative 26%. Don't gamble with more than 5-10%, ideally 5% of your portfolio. If you want more tech, then go with like QQQ or VUG or something with a lot of holdings.

sk1990

$100,000 to invest, thinking to DCA over 12-18 months Hello: I have approximately $100,000 in treasuries that I hope to start DCA into the market over the next 12-18 months, likely in $5-10k chunks. I was thinking of doing a blend of VOO/SPY, QQQ/QQQM, and IWF/VUG with each time I deploy funds into the market. Is this a sound strategy? For example, approx. $2,000/month, give or take, of VOO, QQQ, and IWF for the next 18 months, give or take? Is there any benefit of SPY vs VOO? QQQ vs QQQM? IWF vs VUG? Thanks for any feedback, I appreciate it.

helpwithsong2024

VOO is cheaper than SPY and QQQM is cheaper than QQQ. However all of QQQ is in VOO already. And not sure IWF adds much. VUG is a much cheaper growth option. DCA is a great idea. Maybe lower it to 12 months?

SirGlass

VOO/SPY/IVV/SPLG are all S&P500 index funds Their is no reason or benefit to hold multiple funds, I guess there is no real drawback either However holding a bunch of funds is not diversity , it really depends on the underlying holdings. Adding more funds could potentially make you less diversified For example if you held Portfolio 1- 100% VTI Portfolio 2 - 25% VTI, 25% QQQ, 25% VOO, 25% VUG What is the more diversified portfolio 1 is, QQQ/VOO/VUG are holdings are all ready inside VTI , you are actually just concentrating your holding to large cap and tech by adding those funds, you are less diversified

helpwithsong2024

You could do something like VUG/VGT which has a bit more 'spice', but S&P 500 is 100% fine.

megabox9000

I'd just roll it into an IRA then MMA or what ever you choice qualified dividend funds might be good. VUG,VYM,VIG,SCHD avoid them taxes they take big bites

MattieShoes

Yeah, most high dividend stocks would be value rather than growth. You can do fine with either, but you'd expect lower volatility and lower total return. VUG (growth) yield is 0.53%, annualized return 14.9% over last decade, beta beta 1.2 VOO (blend) yield is 1.36%, annualized return 12.6% over the last decade, beta 1 VTV (value) yield is 2.35%, total return is 10.1% over the last decade, beta 0.8

Abipolarbears

It depends what other accounts I have.  Do I have an emergency fund? If not, I'd throw a set amount into a HYSA or Money Market account for emergencies.  Am I using this money to save for a house or other big purchass? I may be a little risk averse if so.  Am I investing this as a taxable retirement account because my 401k is maxed and I just want long term gains? I'd probably go VTI, VOO or VUG depending on risk tolerance. 

WorldlinessOk2694

Portfolio allocation growth question 50% VTI 10% VXUS 15% AVUV 5% BTC 20% (XLK, SOXQ, VUG) I’m 23 creating, hopefully, a simple first portfolio, I plan to start a lump sum investment of about $5k-$7k and invest about $200 per month. Using the 3 fund (core, dividend, growth) model as my base but cut dividends since I do not believe I need them or the tax consequences at my age. I increased the core position to compensate (VTI+VXUS) but am not sure about the growth portion. I do like VUG but the Semi conductor weight to add diversification in the AI heavy growth funds seems appealing aswell. With, possiblely, some use of AVUV as a small cap tilt into the growth category with, max, 10% into BTC? This is from some pretty basic research the last few weeks and I am starting to get some investment paralysis from my indecision.

Phlydude

VOO, VUG, AVUV, XLB - throw a little JEPI and JEPQ for dividends and don’t touch it

helpwithsong2024

I put mine in VUG because I can't touch it for another 22 years. Plenty of time for growth. If you're saving for 2025, and you know for sure you'll need the money, HYSA (or your brokerage's money market)

helpwithsong2024

I'm doing NY 529s into VUG for college. 1. Best case, you get a nice chunk of education paid for by the market 2. Worst case 1: It underperforms, but you still get some free money 3. Worst case 2: You have *too* much money and you just change the beneificary to your grand kids.

Acceptable_Offer_387

I’m 23, live in the U.S. and just created a Roth IRA and maxed it out for 2023, so none of it is invested yet. I want to use this money for retirement. I’ve heard that timing the market is a bad idea, but have also heard that, as of writing this, I should wait a bit for the etfs I want to invest in to drop given that they are “at an all time high.” Right now, I’m looking at putting 90% in VOO with the other 10% split among VUG, VXUS, and maybe little in BND. Should I wait for it to drop a bit or just get in now.

helpwithsong2024

None. Buy the market. If you want higher gains you can do a targeted ETF like VUG.

MattieShoes

> Already maxing out a 401k Ahhh, that makes a HUGE difference. If it's just fun money, I'd throw it in my brokerage and pick something every once in a while. I've already got positions in 16 stocks and 12 funds. My once-a-month cycle would be like: 1. Should I increase my cash position by throwing it in a money fund? 2. Is there a particular stock I think I should be in? Maybe liquidate part of the money fund to buy in. 3. Is there some sector I feel I should be overweight in? Like finance post 2008 meltdown, or whatever 4. Failing that, some index, probably chosen based on my feelings about the future at the time. (VOO, VTI, VUG, VTV, QQQ, etc.)

tikhochevdo

If long term try VUG or MGK

Separate-Cow2439

Yeah maybe I seen the same thing.... I have a mix of stuff, alot of it overlaps. VOO, VT, SCHD, SCHG, SPY, VUG, FNILX. I wanted to avoid dumping 100% in Vanguard alone or 100% Schwab.

Mendikon22

Would you say this is a good portfolio? 1. VOO: 25% 2. QQQ: 25% 3. VHVE: 25% 4. VUG: 25% It's a long-term investment. I'm worried I might be putting too much on VUG. What would you change?

Hularuns

You don't need to be here. Just buy VUG and retire to paradise.

helpwithsong2024

I personally like VUG/VGT(which is similar to QQQ) in my Roth. More risky, higher reward. But it still moves with the market 93% of the time. If you're 25, you got *plenty* of time, so even VOO would be 100% fine.

PIMP420757

VOO VUG VGT, some repetition but all 3 are doing well as of today. VGT more volatile as big tech moves makes it move quicker than VOO for example

touchmypenguinagain

VUG or QQQ if you want a more reasonable growth rate while still reducing risk.

Mendikon22

My portfolio: VOO - 25% QQQ - 25% IWDA - 25% VUG - 25% What do you think?

Mendikon22

Say, how would you rate my portfolio? VOO - 25% QQQ - 25% IWDA - 25% VUG - 25% It's meant to be a long-term (several decades) investment. I'm worried I might be investing too much in VUG.

Phil_The_Thrill45

Put 3k in VUG and save the rest for life. Shit happens man. Stay strong, you will prevail

masalaswag

VUG and SCHG are popular growth ETFs. You can invest in their prepackaged basket or start researching the names that are held in them to see what speaks to you. The companies they focus on are more growth than value, but I would start learning more about what constitutes growth and value (P/E ratio, market cap, forward earnings, etc.) so you’re informed of what you’re putting your money into. If you can’t invest the time to research (understandable, life is worth living and money isn’t everything), you can pick the ETF and they’ll do the work for you. Just remember the gains won’t be as much (but neither will the losses). My main advice - read. There’s a lot to read and many philosophies. Learn about Boglehead investing, which is effective for people who want exposure without doing too much work. Learn about dividends and taxes. Learn about the different sectors and diversification. Read, then decide, and keep your money in a high yield savings account (but don’t lock into a CD) so it does some work for you in the meantime.

helpwithsong2024

I do VUG in my Roth, or SCHG in Schwab.