VUG

Forded_Fiction24

Many, but I'm no oracle. Been investing in copper mining( SCCO, FCX) for ~ 7 yrs now which has done well. Thesis for that is more copper needed for electronics and cooling in data centers. Threw some money into Google in 2015 mainly due to their heavy investment in SpaceX and given that SpaceX was/is not publicly traded yet, this was a giving me indirect exposure plus it was still Google Invested in Gold and silver specifically IAU and SLV along with physical due to my lack of trust in the fed reserve, monetary and fiscal spending/ policy and doubled down even further in 2014 as Japanese carry trade was highlighted as a huge risk and still is. For that matter I've also put some "spare change" knowing it's risk and volatility into Bitcoin and it's associated ETFs due to the same reason because excessive government spending, debt levels, inflation risks, and an onslaught of Eastern powers aligning (BRICS) and trying to weaken the US dollar. Gold and silver I think in the short term are a little overbought currently with a huge run up lately. Meanwhile Bitcoin has lagged behind and I think when/if the war in Iran lets up I think that sends Bitcoin on its next run up with it being very oversold in the short term VOO/VTI/VUG and chill. Most of my money invested is in S&P500 based ETF's and index funds. Slow and steady wins the race and investing here allows me to take some chances with individual equities elsewhere

Axe_Raider

VGT or VUG or XLK are good approximations of QQQ.

Valuable-Disk8366

I personally like VGT. It’s has concentrated exposure to NVDA, MSFT, AAPL. VUG is good too. They are both considered more aggressive than VOO, VTI but still much much safer than individual stocks, options, leverage, etc.

tonypan2000

QQQ is growth, those are broad market. SCHG or VUG may be better potential replacements?

Ahamadrayasbaboon

Don’t chase mag7. The winner of one series of years is rarely the winner of the next series of years. Every decade or so investors fall for this. Instead, look into passive indexing, where the fund internally rotates out the stale losers by increasing weight of winners. And it does this automatically with no management fee, and without triggering taxable events like would occur if you rotated them yourself.  You’re looking for something broad-market and non-thematic with a low expense ratio. VT, VTI, VOO, SPMO, QQQM, VUG, SPHQ, something like that. If you still like the Mag7 after reading my first paragraph, they’re very well represented in most of those currently. 

EfficientRecording62

Any recommended alternatives to QQQ/QQQM? I'm looking at VOOG, VUG, and SCHG.

HelloTheirCruleWorld

Buying VUG and chilling

therealjerseytom

Depends on your goals and what you're choosing to invest in. And what you mean by a "non-dividend ETF." I mention that last bit because if you're somewhere that offers ETFs that can either be accumulating or distributing (not available in the US), an accumulating ETF still receives dividends from the companies it holds, but they are automatically reinvested for you rather than paid out as cash. Otherwise, it's rare to have an ETF that pays *no* dividends at all. Growth-sector ETFs like VUG can have a low payout, but it's not zero. In any event, there are two ways to grow wealth with stock investment. One is by collecting dividends, and using them to buy more and more shares and have a snowball effect. The other is to rely on long-term price appreciation, with the belief that over long periods of time the value of a collection of stocks will increase following the growth of their earnings, and future earnings potential. If you're wondering "Well where does that come from if not from dividends?" it all comes from the company's earnings, one way or another. If a company brings in a lot of money, they can either pay some of that out to shareholders as dividends, *or* they can reinvest in the company, growing it, and making your slice of the pie as a shareholder more valuable. Of course it's not guaranteed, and there can be long periods of time where market value is down, depressed, or in decline. Can easily take 10+ years to break even again on an initial investment. Or with individual stock investments, you can certainly experience total loss.

LoveCoffeeAndBooks

I think DCAing more into growth ETFs (VUG, VOOG, or SCHG) is going to be my move this week since the top holdings of these EFTs are all down. My sense is that when a rally comes, all will go up together though at different rates.

HelloTheirCruleWorld

VUG

Junior-Valuable2071

I bought a few shares of Google a few shares of VUG and like a share of SPY

iXProject

Is trimming my VUG to invest directly into large caps like META, MSFT, NVDA, and small caps like HOOD, SOFI and ZETA etc a stupid idea

UnObtainium17

Vanguard announced share splits on five ETFs. * **Vanguard Growth ETF** (VUG) will be split 6:1 * **Vanguard Mega Cap Growth ETF** (MGK) will be split 5:1 * **Vanguard S&P 500 Growth ETF** (VOOG) will be split 6:1 * **Vanguard Mid-Cap ETF** (VO) will be split 4:1 * **Vanguard Information Technology ETF** (VGT) will be split 8:1 The record date for the splits will be April 17, 2026.

Then_Consequence_318

I don't usually do short term plays but I thought what the hell. I sold a portion of my IAU right when gold was starting to drop off. Put in to MAGS rather than trying to pick something specific. I'm adding to VUG, VTI etc because it's a good time to do so but MAGS I will sell off when things blow over. Could be 3 weeks could be 3 months. If it's 3 years then that's okay too.

iXProject

Would it be a dumb idea to trim my VUG positions. I only have a 9% return since 2024/2025 and instead put more into small cap or other individuals that are down ($HOOD, SOFI, ADBE, META etc?)

PralineTechnical5685

YES, FOOL is for fools. No risk management that's asinine watching a blue-chip like FMC go from $112 to $12 with buy, hold no matter what. Now you need 933% run to break even. Profit taking exit strategy: none, Buy QQQ, IVV, VUG, etc. ETF's

RareMix

QQQM isn't 100% growth or tech (it's only 60% tech). If you want pure growth then buy a growth ETF (VUG, SCHG). If you want pure tech then buy a tech ETF (VGT, XLK). If I were selecting an ETF to buy one of the requirements would NOT be, "all stocks in this ETF must be traded on the NASDAQ exchange."

iXProject

I have high balances in VOO and VUG already, it’s more of Apple has become my highest individual position and I don’t think I believe in substantial growth going forward

Bossanova12345

Investing in individual stocks is fine, if they are good compounding companies. You need to do some research. It’s history, competition, recent news, look up its CAGR, Beta, PE and other metrics. But especially lately, lots and lots of companies outperform the SP500, and will continue to do so. My biggest returns past 6 months are STRL, GEV, TSM. But mostly my investments are VEA VWO VUG

iXProject

Is it dumb to trim my VUG position in my Roth IRA to buy MU before earnings?

IronyElSupremo

Growth funds like SCHG, SPYG, VUG, VONG, and even QQQ have a % in tech .. and tech was hit by a couple reports earlier this week, on top of other concerns. Also growth is primarily US and is helped immensely by low[ering] rates = easier financing the next big idea. Rate cuts seem on pause until maybe later this year. That said, there’s other stocks in growth funds like biotech/big pharma, communications, and, except for QQQ (and its siblings), usually banks.

bodobeers2

VUG and chill. or VOO and chill. or something like that.

Outside-Film-7881

VUG

HelloTheirCruleWorld

VTI/VUG and chill.

Heyhayheigh

Is this a taxable account? Just sp500 on auto weekly basis. Sell only when you have something urgent to pay for. Skip seeking dividends, you’re just paying taxes on income for nothing. SPY is for options, use VOO (or other low cost etf) for buy and hold. SGOV for any short term cash, emergency funds and large known expenses. DCA sp500 for a long time live through some bear markets. Then learn and try different things. Nothing wrong with QQQM VUG in a Roth. Diversification is for stability, that lowers risk. Things that lower risk generally lower return. So if you think there is some magic diversification that will give you better returns, that’s like thinking a safe minivan is going to yep you beat a sports car in a race: not how it works. Best of luck!

Gumby80

Personally, I would sell the individual stocks and put it all in a few ETFs (VOO, VXUS, VUG). If you want to learn about stocks and read about them on a daily/weekly basis, then keep the stocks and pay close attention to any news that could mean bad for those stocks. They will require a lot more hands on work and is more risky. If you go the ETF route, hold those bad boys LONG term and you will see some good returns. Be careful to not try timing the market. It rarely works out well.

SLO_Citizen

I am not a broker, nor an expert in the market. If I were you now, I would open a vanguard account and put money in VUG, VTV and VTI. Vanguard Growth ETF, Vanguard Value and Vanguard Total Stock Market. At your age (I'm in my late 50s) I would put most in VUG which is a growth ETF (Exchange traded fund), the second most in VTV and lastly the VTI. Just let it sit, pretend you never had it. Work hard, work long and that money will make it possible for you to retire early if you want, Each year, sell some off and put $8,000 into a ROTH IRA via Vanguard also. When that is available to you, it will be tax free regardless of growth. I wish you the best!

Heyhayheigh

Either approach is fine. VOO VUG, the mix of VTI VXUS. Even a little mag 7 one time buy and hold is ok. No real wrong answers. Just stay away dividends, penny stocks, bonds. And teach the kid to auto weekly VOO once he starts earning and to not panic sell. People focus too much on the “recipe”, when they should be focused on the behavior. I’m not mad when someone goes international exposure for diversification. I just worry they don’t do more auto because of over complication. There is nothing more powerful than having a simple symbol, VOO, and just working hard to increase the weekly. 35, cool see if we can do 40, 50, etc. this is how progress is made. Anything that helps you spend less and invest more = your friend. Anything that adds friction to increasing that auto = your enemy. Overthinking and worrying about the magic secret recipe = common friction.

Heyhayheigh

Nooo. Not in Roth. Real, growth oriented investing is meant for Roth. VOO QQQM VUG, even mag 7 that you hold personal convictions in. SGOV is what you use instead of HYSA or CD’s. For emergency funds or large known expenses (think dental work or roof repair or large known vacation). You spend from there.

Disastrous-Fact-14

Age 84 70% Stocks (WSHFX, DIVO, VUG) 15% Bonds (ICMUX) 15% Cash

amg-rx7

I think you have been reading too much news from fear mongering dipshits. For someone in their 20s I’d be VOO and something growthier like qqq VUG VGT GRNY etc and a wee bit of international

k1kti

What’s the interest rate on the mortgage and is it tax deductible? If it would be me, I would pay off anything that is 5% interest or more, and rest dump into VOO or VUG.

Realistic_Agent_9494

yes! Maybe I would add VUG but I think QQQM would give you enough exposure/risk to growth.

Lynch12K

Depends on your goals. If you're "starting" to invest and your goals are long-term saving as you mentioned.. VOO/VUG/VTI/VTSAX/SPY (Index/mutual funds) might be better long-term investments for you. Shorter term, i dont think there is anything better than looking at AI companies like Palantir, Nvidia, etc.. Broadcom, Crowdstrike and few others have been up and down recently but you get the idea.

Just_Candle_315

Zoom out. There's a larger arc indicating this is a bigger event than just a momentary event. Growth stocks like VUG, VOOG, QQQ and SCHG all hit ATHs on Oct 29 2025. Enjoy the ride down.

ServerTechie

I suspect younger investors are overconfident because they’ve had it good for so long. The 2008 economic drawdown was 18 years ago, it probably feels like the stuff of legend and not reality. I admit it’s euphoric when big tech runs hot, but when it doesn’t it’s gonna be painful if practically half your portfolio is Nvidia. S&P500 is a good addition to any portfolio, but it should not be the only investment nor double-down with growth funds like VUG. Diversify folks, you’ll thank yourself later. Final thoughts: Anybody ever take a look at RAFI Fundamental Index? It’s disturbing how Nvidia is number 50 in terms of money flow and other health factors, but it’s number 1 on market cap expected valuation.

Faultyassasin18

Hey everyone, i've been really kicking around two different investment strategies for the next 20 years to build wealth and create passive income, and wanted some input on both- an initial $10k investment in high dividend stocks (either VZ or GAIN) and then DRIPing and a constant $500 a month investment vs a diversified ETF Strategy with the same initial investment and monty contribution. The strategy would be 60% VTI, 30% VOO, and 10% VUG. To offset the dividend income gap, i'd switch that over to 50% SCHD and 50% JEPI towards the last few years. I have a high risk tolerance, which is why I don't mind putting it all in a single stock vs diversification. All this to say: which have you seen be more successful- Dividend investing or ETFs for long term wealth?

Just_Candle_315

Zoom out it's actually on the way down growth stocks like SCHG, VUG, VOOG, and QQQ which are supposed to perpetually increase **ALL** had ATHs on Oct 29, 2025 and have been creeping down ever since.

Just_Candle_315

Growth stocks like VUG and SCHG's 180 day window are red. Rising unemployment and debt at ATH. THE DOW IS AT 50K! - Pam Bondi

Just_Candle_315

Growth stocks like SCHG and VUG are negative for the last 180 day window

Historical_Put6965

Trying to diversify and learn more about investing in general for long term success. Below is what i am holding right now. about 100k. looking into adding maybe looked into RTX and ASTS but being more conservative I also like SMH . Will make an effort to jump on here daily to learn with you all! VUG 40% VOO 40% TSLA 5% AAPL 5% AMZN 4% FBTC 2% LFMD 1%

octopus_serenader

Christ on a pogo stick, VUG has been a turd since summer.

Jah314

VUG returns almost exactly the same (with in a percentage) but is 1/5 as expensive

stbloc

Problem is I grew with my dad as a trader and I was trading in myself in grade school. I can’t separate long term investing with trading. Last year ML had me up 17% and EJ was 14%. I get if I put it all in to VOO and VUG it would be similar results. I read ML Edge has .3 too but I’m sure my advisor would kill me if I swapped. I’ll check Vanguard for my EJ account this week. Appreciate the advice. If they can gate keep I’ll just roll 75% VOO and 25% VUG.

Valuable-Disk8366

VUG has all of them

SnS2500

[https://etfdb.com/tool/etf-comparison/QQQ-VUG/#holdings](https://etfdb.com/tool/etf-comparison/QQQ-VUG/#holdings)

Successful-Tea-5733

This is the answer! Thank you, I actually added VUG to get some additioanl exposure to growth companies on the NYSE, did not consider the weighting. It does seem like QQQM's weighting restriction is actually a safer index to own with VUG potentially having more growth potential if a few companies continue to dominate. I'll continue to hold both just wanted to know as I consider future contributions.

Successful-Tea-5733

Oh believe me this question is definitely not about me looking to sell. I put money into both because QQQM only has Nasdaq exposure whereas VUG includes NYSE listed companies. I never really looked at the weighting until today when I noticed QQQM was well oputperforming VUG and just am surprised to see that VUG with more holdings is actually more top-heavy.

stuncake

VUG is more top-heavy because it uses uncapped market-cap weighting- concentrates money into the biggest winners. QQQM uses a capped market-cap that limits how dominant the largest stocks can become within the etf

Successful-Post-4023

They track different index’s why would they be the same? From the Vanguard website: “VUG seeks to track the performance of the CRSP US Large Cap Growth Index”. QQQM is the top 100 stocks in the NASDAQ.

_decay1

Bought 150 shares of VUG yesterday

Successful-Tea-5733

This sub has a broad audience, people are going to see the red in the headlines and then come here, this is to re-assure the masses. But more specifically, QQQ is down -4.5% in the last 5 days. VUG is down -5%. Not everyone is just in VOO.

Bossanova12345

Timeline and goals advice: ==================== 40 USA Employed. Unmarried. $280,000 Goal is to cut way back on work. In 5 years go part time. Risk tolerance quite high. Mortgage $1300. Car paid off. No student loans. Investments: VUG 98k VEA 96k VWO 35k VTV 90k Individual Stocks 90k Mostly Tech and compounders like ORLY MCK MSFT LLY and Google. ============== The problem is I can’t get a clear answer on how much I’ll need to live off, and how much I can cut back my hours. What my time table actually is. I both love and hate my job. The stock market is incredibly volatile, and with the dollar amount I have it swings by the thousands most days. But overall it seems to seesaw. It was crazy during Covid, and of course with Trump. I missed the first half of bull market paying off loans. Kicking myself and frustrated. Feel stick.

Bounty-auditor-2222

Definitely put what you can into the Roth.  You have time which is the most important asset.  Can go 100% equity I like professor G. Do 4-5 fund portfolio 80-90%. Mix of growth SCHG VUG some vgt is fine as long as tech stays the growth play., Blend VOO or fidelity 500 either one, 3rd start a value fund SCHD or FDVV or vanguard div equity.  More in growth and blend as your younger.  Go to value as you get to 40’s- 50’s. Rest I would say international VXUS fine. Vanguard did well for me but understand they won’t let you auto invest in other funds.  That is the other move auto invest DCA each month.  Don’t change anything unless rebalancing 6-12 months.  End of year is fine.  Stocks run up end of year as they manipulate their earnings and everyone wants a good Xmas especially the bonus bankers. I would not do a target date fund again too conservative until you hit mid 40’s. Inflation is the enemy not stock dips. 3rd bucket you should start is taxable brokerage with intermediate bonds or good fund dodge & cox. And value funds for mid range mid risk for a house ( get an investment property if u can.  We did and our mortgage after getting the rent was only 1,000 a month.  Then you can enjoy life. Don’t get a single family that is a boat anchor around your neck.  Unless you’re in a crazy expensive city then rent and keep saving.  But in next 5-10 you should buy.  Get some equity going.  Just get invest property or the least amount of house/ condo u need.  Not as much as the bank says you can afford ( just more overhead to cover not with it.)

Outrageous_Tip_2133

I go with a mix of VOO, VTI, and VUG with a small fraction of BRK

shawman123

Do not touch ARKK with a barge pole. its a terribly run ETF. Other 3 are anyway heavily into tech and I feel is redundant. That said if you need the money in 2 years, investing in market comes with a risk. if overall market is down like 10-15% QQQ could be down like 30%. Only risk free return is from investing in fixed income for short term. if you want to invest in tech believing in AI boom cycle go ahead and put it in QQQ or VUG. I dont know if you need both of them.

JuneFernan

VONG and VUG are even better investments over VOO now. 

jginvest71

For me, risk management. But everyone is different. I try to keep a balance—value, growth, large, mid, small. I’m not one of those that just has QQQ, VUG, VGT etc. When there’s a big downturn, those will be first up against the wall. I’m also not 30 lol. I feel like there’s a little asset protection in my method. Thursday, I took some profit on metals. Friday, I bought a little more.

kultureisrandy

Yeah was looking @ the big Gold & Silver ETFs, both up +15% over the last 5 yrs (gold more so). Dunno if throwing into VTI/VUG was the move or if I should've grabbed some silver/gold 

Ok-Educator5253

Why have an IRA managed by an advisor “friend of the family”? Pick SPY VT VTI VOO VUG SCHG or QQQM and call it a day. You aren’t paying him I hope.

MizDiana

I was an early believer in the Sell America trade, so it felt less risky than staying in VGT & VUG. I wasn't all-in. It was 20% or so of my portfolio, now about 30% without buying more. I do plan on keeping it.

Ok-Educator5253

VEA VWO VUG Are my big 3

amg-rx7

Go to one of the various charting tools, enter VOO, then find the Compare or Comparison button and add the rest of your investments, then go to the time range and do a custom time range and set the date to the start of your account. Look at the chart and figure out which investments aren’t performing. Then think about what you want to do. At your age, I would kiss and do 60% VOO and 40% VUG, VGT or something growth oriented and DCA every month

Ok_Smell_453

You guys realize that's like saying VOO is the same as VUG. 👨‍❤️‍👨🏹🏹👨‍❤️‍👨

Few_Cod_5864

Need some of your expert advice ( & sarcasm of course!!) to help me please. 41 year old male only able to start investing 6 months ago - long story - personal finances, family obligations etc etc. Started with $5,000 with the following spread (Via Wealth Simple) and now portfolio is at 6,100 (+-). Will be able to put in around $350-400 per month going forward. VEE - 22.57% VEQT - 9.98% VFV - 7.58% VGRO - 25.06% VUG - 29.8% ZGD - 5.01% I did some google & youtube research which makes me think I am paying multiple ME for the same type of stocks. Is there any recommendation on trimming it down as I grow older and increase the investments? Or any additions? Any immediate course corrections? Thank you in advance!

Outrageous_Tip_2133

The most boring advice is to just DCA (Dollar Cost Average),i.e. buy a fixed amount every week/bi-weekly/monthly regardless of where the market is going. That way you don't miss any dips and you avoid buying everything at the top. I have run simulations of DCA from 1990 though now for different 10 year periods using VOO, VUG, VTI, QQQ, etc and it is proven to work so far for any 10 year period. Past performance doesn't guarantee future returns but I think for a retail investor without too much capital, no inside knowledge, and no advanced trading algorithms and tools, this is the best strategy.

Straight-Annual8687

VUG and/or VOOG and chill

Slartibartfastthe2nd

yes, VOO tracks the entire S&P 500 index. You might consider splitting the other half into VBK and VUG. these are vanguard small cap growth and large cap growth funds, both similar low expense like VOO but more focused on those market segments. The reasoning being that when sector rotations occur, the respective portion will accelerate growth.

Heyhayheigh

At your age there are not wrong answers. Get used to buying VOO on auto weekly basis. Sell only when you have something urgent to pay for. If you have income, if you have expenses, you should have auto investment. You will learn as you go, but that is the basics. The foundation. Later you will dabble in stocks, riskier ETFs like QQQM or VUG, just acquire more auto weekly. Don’t trade in and out. You will do great! You are super young!!

BeYourBestYou

ha. then that's good. I'd invest what you can. Especially if you don't have much of a retirement and you're already 36. You want that compounding interest to work for you, and the longer you wait, the slower it takes. Just a few to consider. * [**Vanguard 500 Index Fund (VFIAX/VOO)**](https://www.google.com/search?q=Vanguard+500+Index+Fund+%28VFIAX%2FVOO%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAB): Tracks the S&P 500, offering exposure to large U.S. companies, recommended by Warren Buffett. * [**Vanguard Total Stock Market Index Fund (VTSAX/VTI)**](https://www.google.com/search?q=Vanguard+Total+Stock+Market+Index+Fund+%28VTSAX%2FVTI%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAD): Covers the entire U.S. stock market (large, mid, and small-cap) for maximum diversification. Growth & International * [**Vanguard Growth Index Fund (VIGAX/VUG)**](https://www.google.com/search?q=Vanguard+Growth+Index+Fund+%28VIGAX%2FVUG%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAB): Focuses on large U.S. growth stocks, heavily weighted in tech. * [**Vanguard Total International Stock ETF (VXUS/VFWPX)**](https://www.google.com/search?q=Vanguard+Total+International+Stock+ETF+%28VXUS%2FVFWPX%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAF): For broad exposure to developed and emerging international markets. 

redditissocoolyoyo

Ok awesome calm down. Just VUG and chill.

FRNAP13

I like option 1. I would remove VTI as duplicate. Bump VUG instead.

ai_factcheck

TLDR Math first: $300/week for 4 years = **$62,400 contributed** With reasonable historical returns (~7–9% blended), you’d likely end up around $70k–$75k, not $100k $100k by Nov 2029? Very unlikely without: • Much higher contributions (≈ $400/week), or • Extremely high sustained returns (~24%/yr, unrealistic). Portfolio issues: • Overlap (VUG + VONG do the same thing; VNQ + REET overlap). • Too aggressive for a 4-year, must-have-cash goal (heavy equities, thematic risk). • Fine for long-term investing, not ideal for a car purchase timeline. • More realistic expectation: • $70k–$80k is a reasonable target at $300/week. • $100k requires either more savings or more time. Better approach for this goal: • Simplify (1 broad stock ETF + bonds). • Increase bonds/cash as 2029 approaches. • Prioritize capital preservation over growth. ⸻ Weekly ETF Investment Plan: Can It Reach $100K by November 2029? This plan assumes investing $300 per week starting in November 2025 and continuing for four years, or roughly 48 months, with no withdrawals and full dividend reinvestment. Over that period, total contributions would equal approximately $62,400. The portfolio is spread across eight ETFs covering U.S. growth stocks, high-dividend equities, emerging-market bonds, real estate, natural resources, and a thematic AI/technology fund. The weekly allocation breaks down to $50 each into VUG, VONG, VYM, and VWOB, and $25 each into ARTY, GNR, REET, and VNQ. This results in roughly two-thirds of the portfolio being equity-based, with the remainder split between bonds and real-asset exposures. Dividends are assumed to be reinvested, so all return estimates reflect total return rather than price appreciation alone. To project future outcomes, historical total returns for each ETF were reviewed and normalized to conservative forward assumptions rather than peak historical performance. ARTY has delivered roughly 11–12% annualized returns since inception but with high volatility, so a 10% forward assumption is used. VUG and VONG have produced long-term returns in the low-to-mid teens, but given concentration risk and market cycles, a 10% assumption for both is reasonable. VYM has historically returned about 9% annually when dividends are included. VWOB has produced lower but steadier returns in the 3–4% range historically, though current yields justify assuming closer to 5%. GNR has been cyclical, averaging under 5% long-term but higher in the last decade, so an 8% assumption is used. REET has returned roughly 4% long-term and VNQ around 6–7%, so forward assumptions of 5% and 6% respectively are used. When these assumptions are weighted by allocation size, the blended expected return for the entire portfolio comes out to approximately 8% per year. This is an optimistic but reasonable estimate based on long-run averages, not a forecast of guaranteed performance. Using that return assumption and weekly contributions, the projected portfolio value after one year would be roughly $16,200 on $15,600 contributed. After two years, contributions would total about $31,200 with a projected value near $33,800. After three years, contributions would reach approximately $46,800 with a projected value around $52,800. By November 2029, total contributions of $62,400 would be expected to grow to roughly $73,000 to $74,000, assuming steady markets and full dividend reinvestment. That result is materially short of the $100,000 target. To reach $100,000 in four years on $300 per week would require an average annual return of roughly 24% sustained for the entire period. That level of performance is far beyond historical norms for diversified ETF portfolios and would require unusually favorable market conditions every year. Alternatively, keeping the assumed 8% return and solving for contributions shows that weekly investments would need to increase to roughly $400 per week to reach $100,000 by November 2029. It is also important to recognize that even the $73,000 projection is not guaranteed. Markets over a four-year window can underperform historical averages, particularly for equity-heavy portfolios. While a strong bull market could improve outcomes, relying on exceptional returns introduces significant risk, especially when the funds are needed on a specific timeline. Because this is a four-year goal, such as saving for a car or other near-term purchase, the portfolio’s risk profile deserves scrutiny. The current allocation is diversified but aggressive for the timeframe. There is meaningful overlap between VUG and VONG, both of which target large-cap U.S. growth stocks. VNQ and REET both provide real estate exposure, which has been volatile and interest-rate-sensitive in recent years. Sector-specific funds like ARTY and GNR add volatility that may be appropriate for long-term investing but can work against a fixed-date goal. For a four-year horizon, a more balanced or simplified approach would typically improve reliability, even if it slightly reduces expected returns. Increasing exposure to high-quality bonds, short-term Treasuries, or a conservative allocation ETF would reduce downside risk as the target date approaches. Broad market equity funds can replace overlapping growth ETFs without sacrificing diversification, while limiting niche and thematic exposure reduces the chance of large drawdowns at the wrong time. In summary, investing $300 per week for four years is a strong savings habit, but under realistic assumptions it is unlikely to reach $100,000 by November 2029. A more defensible expectation is a final value in the $70,000 to $80,000 range. Reaching $100,000 would require higher contributions, a longer timeframe, or accepting substantially more risk with no guarantee of success. For short-term goals, preserving capital and reducing volatility often matters more than maximizing growth, and adjusting expectations or strategy early improves the odds of a successful outcome.

Upset-Motor-2602

No, my man. One can invest and still be put off by the show. I have positions in VUG, SMH, and SOXX, so nah, I didn't miss anything.

Cruian

>That you're this young and should just sit in growth funds like QQQM, SCHG, VUG, VONG, SPMO. Long term, "growth" as a style has tended to under perform blend and value. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/

catchy_phrase76

That you're this young and should just sit in growth funds like QQQM, SCHG, VUG, VONG, SPMO. Learn the basic taxes, learn the how to tax lost harvest and rotate between those funds when the market really tanks for some random black swan.

fozzy71

I prefer growth or momentum ETFs over QQQ. If this is a tax-advantaged account, I would gradually trim the QQQ and split it between growth, momentum, and value funds. My current US factor tilts are VUG, SPMO, and CGDV at 8% each.

sirzoop

buy etfs and hold them forever my favorites are VOO, VXUS, VUG, VIG

Shallow_Marshmallow_

I’d recommend VUG which is essentially an S&P500 growth ETF, higher weighting on top holdings. I know that some people don’t want their portfolio to be super concentrated but it still tracks the S&P, so there’s more upside and more downside but long run I think it’s better than regular VOO. You could also do VOOG, or MGK, but these are very similar to VUG. You can also invest in a specific sector within the S&P500 such as XLK or XLY.

Tackysock46

I started in December 2019 when I was 18 years old and bought into VTI. I’ve been steadily buying in my Roth and as of today I have $47k in VTI with total return of also 57%. I also have a slight bias towards Tech/Mag7 by having around 13% of my portfolio in VUG. My Roth in total is $55k. Have another $37k 401k in S&P 500

Busy-Difficulty-4757

VOO = SP500 VTI = US stock market VXUS = International stock market VUG = US Growth stocks VGT = Information Technology VT = Total world market This gets asked a lot, search the sub https://www.reddit.com/r/ETFs/s/JSEJEY1mzi

catchy_phrase76

Same, VONG, SCHG, VUG, SPMO, rotation between them to harvest loss when it occurs.

Far_Lifeguard_5027

Just stick with growth ETFs. VGT is a good one. Also QQQM, VOOG, VUG, IETC, ect.  There's really no need for individual stocks when you have so many tech/growth funds to pick from.

fireduck

Personally I go with VUG. VUG life.

bodobeers2

FBTC for moi, about 30% of the roth ira is in that currently, rest is VUG. No crypto aside from that these days.

letitgo99

VTI/VOO/VUG and chill.

GetRichOrBrokeTrying

Because you’re young, I highly highly personally recommend investing in QQQM, or at least VUG. I recommend these higher riskier ETFs because you are so young. My child was born few years ago, and I put all the money in VUG because I feel comfortable with the risk considering my child’s age.

BigBritches619

Any of you retards have solid advice for me? I was looking to consistently buy VUG but i was looking at TQQQ and it has outperformed way more for a long time. Ik TQQQ is a leveraged etf but why not buy it like the s&p?

redhill_qik

When you inherited the funds there would be a step up in the basis to the value on the day of death of the person that you inherited them from. This will be the biggest tax reduction that you will see.  Both of the funds have large expense ratios with TWCUX at 0.87% and TWCGX at 0.84%. Both lag a straight SP500 index like VOO and lag a large cap growth fund that they would be benchmarked against like VUG even more.  If you aren't going to sell the entire holding at least stop the dividend reinvestment and use the different distribution to invest in a better fund.

thegoldenfinn

I have VUG.

DependentCheck992

Look into VUG

Left-Slice9456

I prefer the single SP500 ETF. It's weighted more towards tech, but that's what I want. I also didn't know much about stocks when I started, but also don't want to be so diversified that I'm taking more risk with one ETF, less with another, bonds, and fun money to choose stocks, and just prefer one ETF that I can let compounding do its magic. I've been eyeing more tech heavy ETFs like QQQ or VUG but don't think I would keep them longer than 10 years, and if I sell would need to then pay the cap gains tax which would then wipe out any gains over the SP500 which has 3% lower returns. Maybe when I get beyond my goals will become more defensive but think you always have to plan on the routine ups and downs and just expect the 8% long term returns and block out the noise of the doomers and greed as they are just to time the market and make up their losses.

catchy_phrase76

How old? If young VUG, VONG, SCHG. Only one is strictly sp 500. All perform similar.

stbloc

Why not just go VTI and throw the whole market in one fund vs 500? That to me seems to eliminate a bit more risk. I personally in retirement looking to do a 70/30 blend. In my 70% I was thinking g 50% VTI 25% VUG 25% VO.

Spicy__Urine

Not too dissimilar. VOO, VUG, AVGO, Small GME play, some in money market funds, some in my old company ESPP I never cashed out of. 401k not included

catchy_phrase76

When do you wanna retire? 20, 30, 40 years? Forget VOO and go all growth like VONG, VUG, SCHG etc.you have time to weather any down market and can adjust closer to retirement. Retiring in say 5-10 years, then seek value. Time value is on your side. If any of the above go to 0, money won't be our problem anymore.

rage675

No, they are just vehicles designed to make advisors money. They dangle tax loss harvesting carrot in front of people who don't generally need to think about that. If you want to invest in a growth fund, you can find something cheaper, like VUG or SCHG.

Senior-Preference678

This is the version you would lock in and run for at least 10 years. ETF: VUG (Vanguard Growth ETF) Benchmark: Russell 1000 Growth Expense Ratio: 0.04% Why 75%: US growth remains the global growth engine, deep innovation, high margins, strong capital markets, avoids over-concentration while staying aggressive. International Growth — 15% ETF: VIGI (Vanguard International Growth), exposure: Developed + Emerging growth stocks Expense Ratio: 0.15% Why 15%: Geographic diversification, access to non-US growth leaders, limits drag from structurally weaker markets. Quality Factor Tilt — 10% ETF: QUAL (iShares MSCI USA Quality Factor) Factor: High ROE, low debt, earnings stability Expense Ratio: 0.15% Why 10%: reduces drawdowns without sacrificing growth, improves risk-adjusted returns, helps behaviorally during market stress. Cost & Efficiency: Weighted Expense Ratio: ~0.07% Turnover: Low Tax efficiency: Excellent Scalability: $100k - $1M+ with no changes Rebalance annually or if any sleeve deviates ±5%, direct new contributions to the most underweight ETF. This Portfolio intentionally excludes: SMAs, active mutual funds, crypto / NFTs, sector chasing, high-fee “advisor products”. Volatility: High Max drawdown, severe markets: -35% to –45% Long-term expected return: ~9–11% This portfolio assumes 10+ year horizon, no panic selling, no need for income today!!

Senior-Preference678

For a $100k portfolio, an SMA that tracks an index (like Russell 3000 Growth) is usually not the optimal choice unless there is a clear, explicit advantage (tax management, customization, or restrictions). In most cases, a low-cost ETF does the job better. 1. What an SMA is actually good for SMAs make sense when you need: Direct security ownership (not a pooled fund). Tax-loss harvesting at the stock level Customization (exclude sectors, ESG screens, legacy positions) Very large portfolios (typically $500k–$1M+). If none of the above applies, the SMA advantage shrinks fast. 2. Red flag: “SMA that tracks an index” If the goal is to track Russell 3000 Growth, then: You are paying active-management fees for index-like returns; you take on manager risk with no expected alpha; you lose the simplicity and transparency of an ETF. An ETF like VUG, IWY, SCHG, or IWF: Tracks the benchmark more accurately; Costs ~0.04–0.08% vs ~0.75–1.25% for many SMAs; Has no manager style drift; Is fully liquid and portable. Over 20–30 years, that fee difference alone can cost six figures. 3. About JGASX specifically JGASX is: actively managed, relatively expensive, not guaranteed to outperform the index it’s benchmarked to, subject to manager turnover and style drift. You’re taking active risk without a clear reason, while your stated goal is diversification, not alpha hunting. 4. Portfolio context matters You already said: You’re aggressive, want growth, you’re diversifying away from employer stock, don’t want crypto or speculative assets. That profile aligns perfectly with: Broad growth ETFs, possibly a tilt (quality, profitability, momentum) NOT with a high-fee index-replicating SMA. 5. A cleaner alternative A simple, professional structure could be: 70–80% US Growth ETF (Russell 1000/3000 Growth); 10–20% International Growth Optional factor tilt (Quality or Profitability); Low cost, scalable, tax-efficient, and easy to rebalance. 6. Key question you should ask your advisor “What specific advantage does this SMA give me over a low-cost ETF, net of all fees and taxes?” If the answer is vague, generic, or fee-defensive, that’s your answer.

Confident_Many4898

Hey man. I’m in the same boat as a 25 year old investor. Right now in my Roth I have about 70% VOO, and 30% NVDA. Planning on getting it to where it’s about 60% growth fund (QQQ/VUG/VOOG, etc), 30% VOO, 10% NVDA. Will lean more into VOO as I get older though