VUG
Vanguard Growth Index Fund ETF Shares
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At what point does owning SPY + QQQ + a growth ETF stop being diversification and start being the same bet in different wrappers?
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
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I am missing something between VUG and QQQM
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100% VOO vs 33.3% VOO, 33.3% VUG, and 33.3% SCHD?
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There's a lot of overlap between VOO and VUG, but...
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Mentions
Just came into a large rollover 401k from an old job. Should I just drop it all on a growth etf/index like VUG? I already am diversified in the total stock market in my 401k and ROTH IRA. This would just be trying to capture growth opportunities.
Is FTEC worth buying today? I’m currently thinking about putting about a quarter of my brokerage account, non retirement, into FTEC. I’m 25yrs old and looking for aggressive options. I don’t mind the volatility. Currently my balance is primarily VUG and VTV which is how it was when I inherited the account. Would FTEC be a good ETF to add for what I’m looking for or is it too heavy into tech?
Bro just buy VUG and stop looking at your money. If youre old maybe dont risk it all on being a tard.
Hai un'enorme sovrapposizione sul tech e su titoli mega cap, altro che diversificazione. I principali titoli di QQQ e VUG (MSFT, AAPL, NVDA, AMZN) sono già i pesi massimi di SPY. Detenerli insieme alle singole stock amplifica la concentrazione senza aggiungere alcuna vera diversificazione. MSFT, AAPL, NVDA e AMZN come azioni singole ad alta esposizione, ma queste sono già i pesi massimi all'interno di SPY, VUG e QQQ. Non ha senso, hai scritto " un portafoglio relativamente sicuro" Questo è da cardiopalma!!
I think it's important to look at the holding weights that overlap. I feel like if they have similar weights they are most likely going to correlate a lot during downturns. Like while VTI has many more stocks than SPY they are essentially the same with 88.4% shared weight. I like using a tool like [turtto.com](http://turtto.com) to view your concentration in individual holdings and sectors. A lot of nice data/graphs [here for SPY QQQ VUG & VTI](https://turtto.com/?tickers=SPY%2CQQQ%2CVUG%2CVTI&timeframe=10yr&graphType=adjclose). I guess one thing I look at a lot is how focused am I in just a few individual holdings, ya can set your positions in each ETF using that site and really see how concentrated you are.
DRAM is the only ETF I own right now. I also had SOXX earlier this year, but sold it all in June. I'm currently considering buying VUG, but having a bit of a hard time coming to a final decision. I'm torn between VUG, SCHG, VGT, QQQM, MGK, and FTEC. There are way too many choices for my liking lol
It depends on where you start. Start with SPY? VUG is just weighting towards growth, and QQQ would mostly weight towards tech, albeit with 15 or so extra companies. So overall, decreasing diversification. Start with QQQ? Adding SPY adds quite a bit of diversification.
When I started investing in 2019, I had no idea what I was doing so I was buying small (like a few hundred $) of VTI, VOO, QQQ, VUG, VT thinking I was diversifying. But it's too late for me to rebalance to a more simpler portfolio with just VTI, VXUS, and VB/VBR since I have sizeable gains. I'm Mag 7 heavy especially since I own META, MSFT, and some APPL too.
lol fair 😂 That’s actually pretty close to what I was getting at. Like you throw in SPY + QQQ + VUG and instead of seeing 3 ETF names, it shows you the combined underlying companies + your actual exposure to each one I’d probably want more than just the company list though. Like combined weight in NVDA/MSFT/AAPL, sector concentration, overlap %, maybe how those exposures behaved in drawdowns Would that be the kind of thing you mean, or are you mainly looking for a simple “here’s everything you effectively own” breakdown?
What? SPY, VTI, VTV, VUG may as well all be the same fund. Just buy VTI 100% if you’re bullish on American tech. Throw in 20% VXUS if you want a little diversity and call it a day. If you must then you split up investments by market capitalization, not whatever you’re thinking. Could look at Avantis funds for the value tilt if you really want, but I don’t think that’s necessary. You have to look at what each fund invests in and how they play a part in your portfolio.
What would you recommend as a 30/30/30 split or 25/25/25/25? SPY, VTI, VTV, VUG, VXUS? My own portfolio is split 50/50 between SPY and VTI? Guess I knew there was significant overlap but I am and have been also bullish on tech so didn’t mind overweighting it a bit.
VOO, VUG, and VXUS and chill.
VOO is up 54% on my Roth. The holdings I have above that is: AMD (182%), NVDA (83%), AVUV (55%), and special shoutout to FLR which is higher YTD but I haven’t had it for too long. In my rollover i did all this at the same time and since that time VOO is up 3%. What I have higher than that is: AMD (153%), VUG (12%), FLR (18%), AMZ (23%).
I've been doing QQQ. How come you're allocating to VUG?
yep lol. at least putting the profit into VUG so will still catch some
what percentages do you do into VOO/VUG respectively?
The wrong kinda compounding am I right? Seems they have regrets that show their thesis to be incorrect. OP states I can’t get wealthy (wealthy to me is 3-5 million.) with simple investing. Yet he acknowledges if he had started sooner compounding could have taken ahold and made him wealthy. You are correct, I noticed it too. I’ll continue to stay away from stock gambling and buy my VOO / VUG.
firstly, VOO and VUG are not all that different. if want some type of growth play behind S&P index then I would say research some options instead of VUG. in terms of allocation, put your expected higher return investments in your Roth as earnings there are tax free. thus it would make sense to put VUG or whatever your growth play is in the Roth and leave VOO in your taxable account. the other thing to consider is to actually not sell any VOO for your rebalance and instead build your 20% allocation from new contributions alone. that will save you some tax drag in your taxable account over time if your portfolio keeps expanding then you may grow beyond your Roth in which case you would continue funding your side 20% allocation in your taxable account or a traditional IRA if you have it.
If the explicit goal is weighting heavier into mega-caps without picking single stocks, VUG does that. Just be clear on the look-through overlap. In an 80/20 VOO/VUG setup, your top 5 holdings (NVDA, MSFT, AAPL, AMZN, GOOGL) make up over 27% of your portfolio. If tech multiples contract, that tilt doesn't protect you from drawdown depth compared to a simple core holding.
>for a little more growth tilt Are you aware that factor investing theory would not favor "growth" (or going large cap only) at all? Just the opposite in fact: small 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 Also, what about international? >I thought that I could do 100% VOO in my taxable and then in my Roth allocate that so that the combined allocation is 80/20 but eventually I will max out my Roth and keep putting into my taxable so wouldn’t that just dilute my VUG position ? If you only hold VUG in the IRA and get to the point that you can't maintain your target 80/20 ratio because the IRA limit is so low and you'd be overflowing into taxable, correct, a 100% VOO taxable would mean every dollar added there brings your further from your target. >Should I just do 80/20 in both accounts or should I do 100% VOO in Roth and then the rest in taxable. I can’t seem to wrap my head around how to get it as close to that split as possible. Mirroring is easiest, but if you wanted, you could do the IRA as entirely one thing and use taxable as a mix to achieve the target ratio.
I want more exposure to those companies without investing in them individually. I think the 20% exposure into VUG can do that for me while not being limited to the nasdaq requirements if I went 20% QQQM for example
Adding 20% VUG on top of 80% VOO doesn't give you true factor diversification. It just doubles down on top-heavy growth beta. VOO is already market-cap weighted, meaning the top 10 mega-cap tech stocks drive roughly 30% of the entire index weight. VUG's top holdings overlap almost completely with those exact same mega-caps. You aren't adding a distinct factor exposure like momentum or small-cap value, you're just concentrating your tail risk into the same mega-cap growth names you already hold in VOO.
Just let it sit in VUG and you’ll get there.
I'll never be wealthy by your standards, but I will be financially independent before normal retirement age. I will also likely never buy an individual stock. Over the past 5 years, my Vanguard accounts have made 15.2% annually (initial investment has doubled), through low cost ETFs. For me that's VTI, VEA, VGT and VUG
Maxing out 457b which is invested in the S&P 500. Brokerage has some additional investing in VTV (US Value) and VUG (US Growth). I might just continue in VTV only. Baby's 529 plan is invested in the S&P 500. I want to gift my nephew/nieces a good chunk of change when they turn 18 so I'm investing $1 a day in VUG, Coca-Cola, and Amazon for them. I'll gift them their cash-equivalent share of whatever one ends up growing the most.
We have some details and nuance: PWL Capital by Ben Felix is solid, and discusses factors, and their behavior. Efficient Market Hypothesis might state that the market is efficient enough that prices are mostly fair. However, there are premiums that differ in their behavior and correlations based on the market winds at the time, and thus Style/Factor funds can have less correlation with one another than stocks from another geography. This makes the best strategy the buying of factor/style tilted index funds, with annual rebalancing. However, even this does not generate much content. Much of PWL Capital video content is addressing bad ideas, or describing investment instrument behavior, but most of what you need to make a solid and strong asset allocation could make up about 4 or 5 videos about 10 to 20 minutes long a piece. Understanding the economy and predicting in a rough general way the economic conditions, job market changes, and funding changes is important, but not something that you would adjust your asset allocation for, if anything you would see the coming economic stress, oil prices, cardboard box manufacturing supply decreases, and maybe increase your emergency fund a little bit, maybe buy an extra can of gasoline.......not any sort of stock decision. 1. The questions you need to answer for investing is (with my own reasoning following each one): How much liquidity/low volatility dry powder do you need to cover a recession? (the average recession is 4.4 trading years) Andrew Smithers recommended 20% near cash 80% in stocks so you can cover 5 years of 4%-5% withdrawals. 2. Now that we need to know how much to have in equities what equities do we use? Value and Momentum Everywhere study suggests a mix of value and growth. Small cap growth is called the black hole of investing for a reason, meaning in small cap stocks only value is viable, and so we pick small cap value. Now we already have small size and value factors, now we need large and growth, so we add a fund for large cap growth. The split means one slice will bounce back farther or fall less far than another, meaning if you have to pull capital out of a slice, that slice might be doing better at that time. The average performance of the whole is not important during a crash when you need a withdrawl, only the performance/price of the slice you sell from. You just don't want to sell low. If it takes large cap growth 10 years to bounce back after a crash, small cap value to bounce back after 5 years, and near cash can cover your withdrawals for 5, then you can avoid selling hardly any shares at a low price. If you rebalance during accumulation, then when large cap growth claws its way back your money you put into it will grow at that same rate of recovery. 3. Now that we have our stock/near cash mix decided, opposing low correlation factor tilts within the stock part of the portfolio we need to know what instruments we need to use to construct it, and where. Low cost index funds, low expense ratio, and at a low cost brokerage. Disclosure: my asset allocation, annually rebalanced is: 20% VGSH (near cash liquidity) 40% AVUV 40% VUG Of course, all of this, the best most optimal investing strategies (reasonable stock/bond split, factor tilts in the equity part of that stock bond split, using low cost funds and brokerages) can be stated in a very small number of videos, giving you very little content. As Scott Adams said, a guide to financial success wouldn't be a book, it would fit on a single page, and that won't sell any copies.
lord, if you get me out of bloom energy and oracle and tqqq and nbis and qqq and sandisk and hood i swear i will all in VUG and never look back. Praise jensen, praise powell thank you.
Coworker texted me Saturday saying he wanted help today rebalancing (placing the limit orders). Motherfucker has both VTI and VOO and wants to sell one and move more allocation into riskier growth stuff, probably VUG or something. I asked him about it today and he has no clue what is going on in the markets. He isn't timing anything, just looking at his own long term plans. I asked him if he still wanted to do that rebalancing and he said "Nah I'm more focused on fixing that scratch on my car rim today. Maybe tomorrow." I fucking envy this man.
Had a bunch of my companies private stock in my retirement get converted to cash and thrown in to an IRA a couple months back. Been sitting on that pile up until today. Finally opened my positions in to VTI, VXUS, VUG, ARKX and NASA. The last two are the 20% of my FAFO money my IRA.
Sure, but the point of VOO or VTI isn't trying to pick favorites, but to have a diversified allocation that will give you a 'safe' healthy annual return. While QQQ and VUG aren't crazy recommendations, you're still picking favorites. If AI didn't take off there was a chance tech would underperform other segments. COVID pushed for more fabs to be built, and put new laptops into the hands of every WFH employee and education from home kid. There was a very real chance tech would have been been in a glut of supply with flat or lower demand.
I like VOO or VTI. These kinds of funds are where most of the money should be. Coca-cola is a good company. No reason to sell it at all. Just hold what you have allocate new money to index funds. you can definitely take on some more risk at your age. Keep it like under 20% of your portfolio tho. If you want to take on a little more risk but not insane, you can look at strategy ETFs like VTV, VUG, GARP, SCHD and such. these are diversified but still potentially carry more risk than a broad index fund. If you gonna do individual stock picking learn value investing.
What would you pick between IVV + AVUV or VTI + VUG/SCHG
What would you pick between IVV + AVUV or VTI + VUG/SCHG
What would you pick between IVV + AVUV or VTI + VUG/SCHG
Build your base early. Focus on ETFs and Sectors that will play into future. You have time on your side. Main portfolio $VUG (low fees) Sector specific ETFs that could appreciate considerablely given time. $NASA - Space Sector $DRAM or $SOXX- Memory/AI $QTUM - Quantum $NLR - Nuclear/Uranium Auto invest on a monthly basis. For a few years in a Roth IRA and through your employers 401k. Max out annual contributions if able
If you wish to buy puts based on probability of rate hike, QQQ would be better than SPY, and VONG/VUG/MGK/SPYG would be even better. Or sell calls on growth stocks and buy shares of value stocks (AVUV, AVDV) or quality stocks (SPHQ). I’m not changing anything currently, but the market does appear to be preparing for a quarter hike by EoY. Because it is expected, there may not be much drop in growth (or interest rate sensitive) stocks for puts to pay out…it might just stay flat for a bit. Probably depends on if it comes before or after midterms, since conclusion should lead to upward pressure.
I'm in VOO, QQQM, VUG and SPMO. I've got exposure to over 500 companies of various weightings, and while all are US the majority do business internationally giving me broad exposure. Although Charlie Munger would have called this "Deworsification" and that I should instead concentrate in a few great companies instead of a bunch of crappy companies. I don't own gold. I don't know why I would own gold, I'm not a jewler and I don't build consumer electronics.
100% outperforms individual stocks over time. If your young consider VUG, VGT. VTV for non tech and VXUS for non-US diversification.
Can anyone give advice if my investment mix for my Roth IRA makes sense? I’m 30 years old and want to be more aggressive to maximize gains. I don’t care about the ebbs and flows of losses, just maximized long term growth. My Investment Mix: VTSAX 65% VUG 11% VGT 11% VTIAX 7% VTWAX 6% I definitely want to stay invested in VTSAX & VUG. I’m thinking I might need more VTIAX or VTWAX (not both?) to stay invested in the international market. Maybe more in VUG and less in VTSAX? Again, looking to maximize long term growth. I’m more okay with going heavy on US Market versus international because I’d like to bet more on the US than the world, so don’t want to be diversified internationally just to be “safe”
they are basically large cap growth tilts. Value side of the stylebox is up 16% this year, the growth side is up 6%. the value side is propping up the sp500 this year over growth. large growth is a tough spot to outperfom in (especially paying 70-80 bps for the pleasure), i'd rather be in VUG or the Q's if I was to tilt that direction.
I would just invest in S&P 500(SPYM VOO etc) - top 500 companies and gets reorganized to include/remove companies World Market Fund(VT) - this is broad domestic market and also includes international stocks Dividend ETFS(do this in your roth but SCHD and DGRO) generally blue chip companies and pays a yield but also growth of roughly 10% Growth Stocks(QQQM VUG or SCHG) - stocks that are expected to outperform the market but high volatility downsides is greater but upside is the same Doesn't seem like you want to frequently monitor stocks so I would just pick ETFs that best represent your risk tolerance which is likely some combination of SPYM, SCHD, VT, and QQQM
DIA (*dow etf, aka "value"*) is outperforming QQQ (*nasdaq100 etf, aka "growth"*)? YTD, 1Y, 5Y performance? lol No, QQQ ETF still winning here, this are not "Equity Factor ETFs" are just US Market Indices, that also are driven by Equity Factors and US Sector Rotation, big difference from directly Factor ETFs. You can understand this, if you can see the Sector Composition (weight%) of each one of this Equity Factor ETFs (Aggressive sectors, vs Defensive Sectors, Sector Rotation). Maybe you are talking about IWD factor (value) vs IWF factor (growth) ETFs, here Value ETF outperforms Growth ETF, but just YTD and 1Y timeframe. Yes, this can happen even without "bear market", cuz the people can start to be "defensive" for several reasons, like inflation, not just for 'bear markets'. *IWD have more weight (%) in Financials (XLF sector) and IWF have more weight in Technology (XLK sector)* >IWD and IWF are iShares (Blackrock) ETFs from Russell1000. You also have Vanguard ETFs, IVE (value) and VUG (growth) from S&P500. Not a big difference, but it shows up in the long run. 😉
VTI and VUG both win and lose when the market fluctuates since they hold the same large cap holdings with VUG super overweight in that area. If we had 10 straight years of winning, this might beat my setup, but it's likely not even close in a more up and down scenario. 100% VUG does beat this setup when 1o year back tested, but that is an all in play that tech and AI keep rolling strong and I'm not so willing to take that bet. Ford just hired back a ton of folks because AI was not getting it down in the QC department. Could see more of this in the next ten years or AI could continue to skyrocket. I'll play that one a bit more conservative I guess.
So many large AUM growth ETFs that are underperforming this year, mostly due to over-concentration in megacaps. When the Mag7 was leading the market, basically any growth ETF would have similar returns, but that's not the case anymore. YTD: * VUG: +3% * IWF: +1% * SCHG: +1% * VONG: +1% * MGK: +3% * CGGR: +2%
Keep buying the Vanguard fund (don’t stop) and keep your gold position. If you a looking for more growth in tech then I recommend either VUG, QQQm, or VGT. Save yourself the headache of trying to pick individual tech stocks. Add SCHD if you want more income and dividend growth. It is also a good compliment to any tech heave or growth fund in your portfolio. Just be aware of taxes if this is not a retirement account when investing in dividends.
The other guy said capital gains vs income tax but also the tax money you pay today has a future growth value if you paid it 30 years from now. Even a $1000 tax bill could be worth $17.5k in 30 years if you hadn’t paid it. Is VUG going to get OP $17.5k in gains that he wouldn’t get just by holding? Thats the math he needs to do.
You left out the Index inclusion cliffs. They will prop up the valuation with forced buying. We'll see how it goes with VUG, VTI in 5 minutes, QQQs & Russell in 10 days...
Why don’t you just hold those and DCA into VUG? It’s not like those are shit companies with no upside or future.
Bruh you do know that VUG’s 3 year annual return is about 30% right?
If your goal is less single-stock risk, the move makes sense, just be honest that VUG is still a pretty concentrated mega-cap growth bet, not a full reset to broad diversification. I would also weigh the tax bill before selling everything at once, because sometimes trimming over time gets you most of the risk reduction with less friction.
That’s a pretty common transition. Many investors move from picking individual stocks to ETFs because it reduces risk and the need to constantly monitor companies. VUG gives you exposure to many strong growth companies while spreading the risk. Just consider taxes from selling and make sure the ETF matches your long term goals.
Thank you for your insight. Also, it feels good knowing that 18% of the VUG fund is weighted in the three stocks I’m selling in order to buy it, so will still have significant exposure to them.
VUG if you’re feeling adventurous. AMZN is at a good price right now as well. I’d be buying it if I didn’t already have a bunch.
That’s a great start. Add some VOO or VUG mixed in with VT. Single stocks can be very profitable but can also lose you a lot. Index funds are a lot less risky and it’s hard to beat them in the long run. At 22 you need to be thinking 40 year return not 1 year or 2 year.
Put your money into VOO or VUG and then delete robinhood until you’re ready to sell
Yes, and no, I would say for him for someone who has a bunch of fractional shares. He probably be better off and more profitable, putting it all into spy or VOO or VUG.
This is easy. You don’t need one. Max your 401K (pick index funds that track the S&P 500 or the Total US Stock market). Max your HSA (if health plan option available through work). Max your IRA. Accumulate RSU, don’t sell, reinvest dividend (if you think it’s a great company that is growth). Open a brokerage account either in Vanguard or Fidelity. Once you max all the above, invest remaining money every week in VOO or VTI, VUG, and VXUS ETFs if Vanguard or FXAIX, FSPGX, FSPSX if Fidelity (Ratio 50:30:20). That’s it, don’t worry about individual stocks. If you need more input feel free to DM me.
Your 61 the priority should long term inomce at the lowest taxes. invest the money in QQQI in the US QQQI generates ROC dividends and as a result the dividends will not be taxed until the share cost basis reaches zero. It will take about 7 years for the QQQI cost basis to reach zero. At that point the dividends are taxed as long term vcpatial gains. tax rate. VTI and VUG don't genrate any meaningfulll dividend income. JEPQ and JEPI generate high yield dividend income but they are taxed as ordinary income (the highest tax rate). My understanding canadian taxes are similar toUS. so I am assuming for you it is taxed the same way as in the US.
I've separated my US large cap holding into separate ETFs for growth and value. VUG is the growth holding, and it tracks the CRSP US Large Cap Growth index. I don't think they plan to include SpaceX right away. There is no way that I'm investing in SpaceX stock directly. It will get a temporary bump because of the indexes that will take it on immediately, but that will likely be followed by a significant drop. That's been discussed online ad nauseum. I don't have the faith in my market timing ability or the integrity of the trading system to take that chance.
Non-degenerate coworker just texted me asking if I would be in tomorrow and that he wants to buy the dip on VOO and VUG. Bullish.
Being skeptical of a brand-new celebrity-endorsed ETF is the right instinct. Without knowing the exact holdings, celebrity-backed ETFs generally come with higher expense ratios (often 0.50-0.75% vs 0.03% for VTI) and zero track record. The slight dip since launch is almost certainly noise — new ETFs can take months to build their positions efficiently. The bigger question is what the strategy actually is under the hood. If it's a concentrated large-cap growth fund with a fancy name, you can get the same exposure from SCHG or VUG at a fraction of the cost. If your dad likes Suze Orman's philosophy, have him check the prospectus and compare the expense ratio and holdings to a low-cost broad market fund first.
What IS today’s sell off about? VUG down bad
Correction: *Some* Vanguard funds. #1 ETF VOO is S&P 500 and some others are Russell. But VT, VTI, and VUG are absolutely CRSP. VTV is too, but there's no way SpaceX is a "value" company. VXF isn't CRSP, but almost by definition includes stocks excluded by S&P 500; for years, Tesla was its largest component. The idea because using CRSP was to wiggle out of the fees S&P wanted Vanguard (and thus shareholders) to pay. But this is a side effect of that.
I’m kinda fucking stupid. Just a 401k and Roth Andy, mostly in 500 index funds and a little VUG and QQQ. How the fuck do I isolate myself from this IPO?
Not true, CRSP also reduced minimum float requirements, so VUG will have it after 5 trading days.
VTI is whole (US) stock market, and VT is total world stock market. that will make SpaceX a smaller piece. but these "every single stock" funds are much less picky. they let in new entrants after 5 days, and have operated that way for years. if you switch now you will end up getting SpaceX sooner. VTV is a value based fund. if SpaceX is classified as "Growth" it will not be there. it is in either VTV or VUG. i expect them to follow the same rules as VOO since they are VOO split in two pieces, but i have not confirmed this. you may want to go to actively managed funds if you are trying to outsmart the market. or use options to offset the SpaceX and Tesla stock. buy a put and your downside is limited but it will pay off big if the stock drops.
QQQ is not really an index like S&P500 or CRSP is. it is run as a marketing gimmick. QQQ will likely have a lot of SpaceX, but QQQ has always been a high-risk fund. sell QQQ, buy VGT or VUG or XLK. the other indexes, even if they made the rule changes will have small amounts of SpaceX.
Wasn’t impressed with VUG relative to VOO Not worth the added volatility
Time-frame & risk tolerance? QQQ is great but it has some wild swings. If you can live with great. VUG is also great.
This isn't the best sub to get advice for this, but I plan on doing something similar where I'll sell off some AMZN (currently 75% of my port) into my preferred ETFs once it hits certain milestones. I'm going with primarily growth & momentum - SPMO, VUG, and some VOO, paired with GOOG and AAPL, which I already built a position on. I expect I'll still be 40%+ AMZN for the coming years, but this will diversify me a bit.
VOO and SPY move almost identically for what it's worth. Greater exposure on either is a good call in a bull market is you're looking at ETFs rather than individual stocks. Both have returned about 26.6% over a 1yr timespan (obviously that fluctuates year to year depending on market conditions). Personally I think holding VOO, VTI and VUG simultaneously in a taxable account is too much overlap. Consider picking just one. For reference, VUG is just rolling together holdings of various stocks you are already currently holding (presently I believe VUG is 11-12% AAPL, 8-9% MSFT, 5% AMZN; largest holding is NVDA)
Idk I'm not familiar with the methodology of VUG.
Just do VOO for now or even VUG, you could roll everything into VOO but there will be a little tax to pay on your gains of a few dollars. your last two funds won’t outperform VOO over the long run and SPY is the same thing as VOO but more expensive slightly. Definitely open a ROTH IRA at Robinhood and put any savings you get into that first. You can contribute $7500 per year in 2026 if you have earned income of at least $7500. Owning VOO is diversified in 508 U.S. market cap weighted companies that adjust over time. You don’t need to own multiple ETF’s with overlap in the same companies
I always screw up when I try to market-time so screw it, I'll just eat this disaster no matter how it plays out. Staying in on VUG.
VOO is almost certainly going to be your best bet over the long term. Or something like VUG if you want a *slightly* higher return at *slightly* higher volatility.
Will VUG (Vanguard Growth Index Fund ETF) be forced to auto buy SpaceX when it goes public?
Question is how many took profit on or before Friday. Now everyone is painic selling. Myself I have a put credit spread on XSP expiring on Friday. Depending on the market. Do one of 2 things. Roll it out a week or just close the trade and place a new one. I’m still buying NOK 1 share every other day. And a few dollars in VUG Each day.
ETFs are your best tool for diversification. I recommend vanguard's primarily, at least for starters . VOO, VTI, VUG,VOOG,VONG,VGT. In fact several years ago I got rid of all my individual stocks and am 100% ETFs now, and can't recommend it enough. I mean sure if there is one company that you really believe in ok, but how many companies do you have the adequate mental bandwidth to believe in so strongly about? You're not warren buffet.
Why are you buying VUG AND VTI AND SPY, regard? If you want an 80% set and forget just buy VTI and fuck around with the rest.
What risky stock pick should I add for my Roth IRA? I already have my set and forget safe stocks loaded for about 80% now (VUG, VTI, SPY) And now I have 20% left that I want to pick individual stocks to add in some risk and reward since I’m only 30 and it has plenty of time to compound RKLB, OKLO, DRAM, CRWV, MSFT, RDDT, NFLX? Hit me with your best choices
Nope, we don't educate on this at all, actually. That said, here's a crash course: 1. Set aside some money each month to put in the stock market. Not a *stock*, the *entire* stock market, or at least as close as you can get. And... that's it. Don't do anything else. Don't take it out, just keep on putting more in. Check in every once in a while, provided you know that your particular brain chemistry can handle that. If not, then don't. Just shove it in and move on with your life. As for what to buy? Some prefer Vanguard, some prefer various ETFs that just try to track the market, but they're all essentially the same thing. If you're not sure, I would say that VUG (Vanguard Growth, ▲147.98% in the last 5 years) is a great place to start if you don't mind risk. If you do, then I'd suggest DIA (Dow Jones Industrial Average, ▲43.45% in the last 5 years) to try and stay away from some of the AI/IT nonsense. Won't save you from a bubble, but if you follow the advice, it doesn't matter if we hit a bubble. You're just going to hold anyway, and keep on putting in X dollars a month.
Those are all stocks. $SOUN = Soundhound AI, a very volatile AI stock that's got a short float of about 30%. I'll stare at the chart until I see something I like (read: it's all bullshit, I'm just getting lucky hoping to buy at the bottom or top of the current curve.) I buy or short Soundhound, then sell after it moves 2-3%. Easy $200 bucks after taxes. Stick the taxes in a savings account and the rest into stocks I'm long in. VIG = Vanguard's dividend appreciation ETF VOO = Vanguard's S&P ETF VYMI = Vanguard's international dividend ETF VUG = Vanguard's growth ETF
I’m new to this…can you explain what you mean “day trading $SOUN” and “Stick it into VIG, VOO, VYMI, VUG”?
Not if you just day trade with the same $10k everyday and stick earnings into long positions. I'm making $1000-1500 a week day-trading $SOUN, I just stick it into VIG, VOO, VYMI, VUG and forget.
Do you have a ROTH IRA? The contribution limit is $7500 for 2026 so that is post tax money that can grow in the market. I personally would put it in VOO or VUG and forgot about it until 2027.
If you want to keep what you have, sell everything but VTI and VUG. Figure out how you want to allocate those, but I’d do a majority VTI. If you want more semiconductor go SMH, SOXQ, or SOXX. Is this in a taxable account?
Yea a huge part of my gains are from 15 years of VUG
huge fan of VGT and VUG. I have +70% gains of VOO and VTI in our main brokerage account and I don't want the gains hit, so I switched our IRA's to VGT VUG and QQQ (along with some of what this guy is doing) and haven't looked back.
You are really close to what I would do. 50% SPY/VOO. But being young you want to be a bit risky as well with the other half. In your case NVDA/ASML captures that, but its really too individualized. I would not put the "risky half" into a single stock. NVDA is pretty safe yes, but still I might switch it to something like a VUG or VGT. So maybe 15% NVDA and 20% VUG. Something like that.
I have 150k with Edward jones and money in various self directed accounts. They aren’t getting another dime from me but I keep him around only because without him and his education years ago I wouldn’t be where I am today. So I feel like I owe it to him keeping it there. I out perform him with a VOO/VUG strategy almost yearly.
I'm never going to flame a 20-something for investing, so don't worry about that. But I will ask questions. What's the allure of SOFI and MSTR? Do you foresee them growing to $200/$1000 per share, and if so, why, and how would they achieve that? Same with META, MSFT and to a growing degree NVDA. NVDA is still the dominant force in the chip space, but they've got some fierce competition coming down the pike that's making chips that could practically make them obsolete. META is basically just in the business of selling ads and how much growth is really there anymore? I'm a big proponent of "going with what you know", so for you maybe that's crypto and social media so you went with some of those stocks. Nothing wrong with that as long as you're making informed decisions and not just throwing a dart. I don't know much about healthcare or consumer product goods so I stay away from those sectors. Your thought process for the ETFs is wise for now because it will help you identify the individual stocks later. People love VTI; I prefer VOO and VGT. But by holding all of those as well as VUG and QQQ, I started to analyze where their assets were spread and started to isolate who the top performers in the ETFs were. The thought process was to "play it safe" with the funds but then put a little extra in with the over performers.
Take a look at VTI, VOO, VUG, QQQ and VGT. They all more or less carry a lot of the same stocks but some hold 3500, others hold \~100, which increases the risk/reward due to narrower exposure. One of them might pique your interest.