VUG

Gyozapot

I am up 60%! VTI till I die. 50% VTI 30% VUG 10% VXUS 10% indi stocks- Apple and Google. I’m not getting rich but I’m not complaining to my coworker(me) that I lost 50k on the AI pullback a couple months ago. True story.

InvisibleEar

Not true, CRSP also reduced minimum float requirements, so VUG will have it after 5 trading days.

Axe_Raider

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.

Axe_Raider

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.

Impossible-Use5636

Wasn’t impressed with VUG relative to VOO Not worth the added volatility

FrostyVictory1984

Time-frame & risk tolerance? QQQ is great but it has some wild swings. If you can live with great. VUG is also great.

Old_Bay_Boy

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.

Reachin4ThoseGrapes

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)

Emotional-Power-7242

Idk I'm not familiar with the methodology of VUG.

fmcfad01

How about VUG?

Important_Panda_9333

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

RagnarokWolves

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.

FrickinLazerBeams

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.

RagnarokWolves

Will VUG (Vanguard Growth Index Fund ETF) be forced to auto buy SpaceX when it goes public?

Junior-Appointment93

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.

Novogobo

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.

TheBlackBaron

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.

BleakyBluster

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

Darth_Ra

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.

ialwaysdisagreewithu

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

WorriedConstruction3

I’m new to this…can you explain what you mean “day trading $SOUN” and “Stick it into VIG, VOO, VYMI, VUG”?

ialwaysdisagreewithu

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.

Hezzaku

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.

Electronic_List8860

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?

Insodus

Yea a huge part of my gains are from 15 years of VUG

Ziegelmarkt

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.

Insodus

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.

stbloc

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.

Ziegelmarkt

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.

Ziegelmarkt

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.

CodeThat6077

23, currently have 50k in HYSA, 7k in ROTH IRA. About to do some extended traveling, so wont be making any income for the next year or so, but definitely have flexibility to invest at least 10k, maybe more depending on recommendations. If it was at all possible to get a bit of passive income, even 100$ a month, that would be nice. I was originally investing in VOO, SPY, VUG, etc, but that was uneducated investments, so would like to research a bit more. Let me know if anyone has recommendations, or resources I can look into. Thanks!

Junior-Appointment93

It’s your timing. But it’s also been this month. Unpredictable. I trade XSP credit spreads. But took the last few weeks off and just been buying ETF’s and a BDC. I’m only down a few cents on VUG and IDVO. But overall I’m up $7. And have not received a dividend payment yet.

Intrepid_Virus5949

I would on the ETF side hold QQQ and VUG and broader indexes, while on the stock side keep stocks I have my eye on and am interested in. More volatility in that side but possibly larger gains and I am in for the risk, while also having a little stability in the funds. Currently I have majority in stocks and have been accruing around 3% a month for the past 3 months. However, I feel as though I have little knowledge compared to people I have seen on here. Just wanting to learn more and be great!

burnertaintlol

I'm a never sell long term kind of guy but I'm not throwing any money in META and I'm fine just missing out or being wrong It's just ads/data and only olds use Facebook and I feel like the youngest generation doesn't love instagram as much as the generation above them. I feel like eventually they'll feel that in some way and idk I just don't love the company from a stock standpoint Out of those, MSFT 100%. I've felt like for years the only individual stocks I want to invest in are Google, Tim Apple, Microsoft, Amazon and Netflix. Couple others here and there but those are the big ones. I believe those will all be around in a major way the following decades and I think if people just buy any dips with those companies, it would be a pretty smart trading/investing strategy or you could just invest in an ETF like VUG or MGK that has a very low ER and is 50%+ in those companies without ever having to worry about selling or anything

munkeymoney

Good picks! Adobe could be a good dip buy. Tesla is a good robotics play and will feed off of the SpaceX IPO. All of these stocks are in the S&P 500 so you could just buy VOO or VUG if you want to go the safe route.

stbloc

I appreciate it. I max my Roth annually. I typically do Vanguard ETF’s in my self directed portfolio. 60% in VOO VUG and I own 40% in MSFT nvda MAGS MU. Yes I know it’s massive overlap.

fortinbrass1993

VUG

BooYeah8844

Vanguard just split VUG, VOOG, MGK, VGT, VO. Good time to buy more of those ETFs

Axe_Raider

sell QQQ, buy VGT or VUG or XLK. if you have big pending gains in QQQ, congratulations on your victory. take your prize. if you absolutely positively cannot sell your QQQ, buy puts on it.

nostratic

I'll answer in two parts, for the portfolio first and the other questions second. PORTFOLIO Those investments are all OK individually, but combined they're a little odd. VSEQX is a fund that emphasizes mid and small size US companies. It's very good for its type, but seems out of place as the largest position *and* combined with the other options. This would be considered a more aggressive fund, because smaller company stocks are usually more volatile than larger company stocks. VWNAX is the Vanguard Windsor Fund, which is a more conservative fund focused on larger US companies. VXUS is most of the global stock market outside the US. VUG is also larger US companies, but with a different strategy than VWNAX so possibly a good balance. VTI is most of the US stock market, so it overlaps with VSEQX. VWNAX, and VUG. You're holding basically the same stocks in 3 different containers. OTHER ISSUES I don't mean to be insulting but this is all highly vague and not realistic. It seems more like you're dissatisfied with life or bored, rather than having any real goals or ambitions. some time with a therapist or counselor might be a good thing, or with a priest if you're religious. to me, this is more a meaning-of-life question and less a financial question. the amounts of money and investments you describe are probably not adequate to finance your expenses if you wanted to avoid work, especially in a VHCOL area. especially in the EU, where taxes are much higher on investments outside a tax-sheltered retirement plan. buying a home in a VHCOL area may not be realistic on a current combined income of about $160k. that's higher income for some cities, but in most of LA proper it's barely enough to survive. you could liquidate all the investments and cash, and still have a large mortgage on a tiny condo or house in the LA area. This plan might be effective if you could relocate to a smaller, rural area in the US. buy a small house for maybe $300,000, and invest the rest of the assets for income but keep your spending low. there are towns of small but not tiny size (say 20,000 to 50,000 people) where there are enough amenities and infrastructure to have access to stores, medical care, reasonable social services like libraries and police departments, etc. but that would be a very drastic lifestyle change, and your jobs may or may not be portable. >willing to fuck off to Europe with dual citizenship opportunity from what I see on reddit, Europeans are highly pessimistic about Europe. https://www.reddit.com/r/eupersonalfinance/comments/1rmdjke/since_when_was_getting_rich_so_hard_in_eu/ and it's objectively easier to start a small business in the USA than in the EU, if the hospitality/travel business is successful. that's why Europeans with any ambition or entrepreneurial sense are more likely to immigrate to the US.

ExplanationRude2195

You should visit cnbc, read the news, stock investing in bullshit companies, and understand what most hedgefunds own as a large part of their portfolio. Also look at what VUG us holding. Its designed for growth, so it holds stocks that will grow. Not whatever bullshit you've been buying and losing money on. The last 5 years have been the largest climb in stock market history. You fucked up hard.

micha_allemagne

The actively managed funds are where I'd start. You're paying \~0.3% ERs for exposure you could replicate with VTI at 0.03. Also VUG overlaps quite a bit with VTI's mega cap tech positions, so you're overexposing on that sector and market cap. Here's a full breakdown of your current allocation: [https://insightfol.io/en/portfolios/report/f0ad0b4808/](https://insightfol.io/en/portfolios/report/f0ad0b4808/) What's the tax situation on potentially exiting VSEQX/VWNAX?

suprfreek19

100% Growth at your age. Think VUG or FXaix or any solid growth mutual fund or ETF. Don’t overthink it.

RagnarokWolves

The VUG stock split briefly quadrupled my portfolio for a few hours last night. I knew it was temporary but it was nice to see....

Ahamadrayasbaboon

Daily DCA and annual lump sum accounts are ~ 40%SPMO, 20%QQQM, 10%VUG, 10%VONG, 10%SPHQ, 10%SGOV.  Every 2 weeks is like 90%FXAIX (SP500), 10%Vanguard TDF.  Retard port has all sorts of shit, and is a margin account. 

dt405gt

VUG!

tie_the_lace_twice

Hi im 20yo, living in singapore currently, building my portfolio from scratch again… all ive been doing was stock picking and it went to hell during the crash and i realized my risk tolerance is not as good as i thought it was. I took profit already now that market has rallied. I was pondering and i was thinking of reallocating: 20% SCHD 30% VUG (currently holding) 30% VXUS (currently holding) 20% individual stocks My rationale to why i think its a good idea: SCHD to dampen risk and compound VUG to maximize growth VXUS for global exposure Individual stocks for high conviction plays Am i an idiot or is this theoretically a good idea? My goal is to hold for like 20+ years, but will sell the individual stocks everytime they reach my percentage goal and reallocate the money to different stocks. Currently unemployed as i am focused on studying, but ive been consistently making $100-$300 a week from scalping and my parents still give me pocket money. I usually buy investment $100 a month, and buy $500 worth if i think the price is very good

WaterReflection0521

It's not that you are not a DIY guy. It's just that stock picking is not for you. You can still be a good DIY investor. There is nothing magical any "intelligent" portfolio can get you, nor is a robo advisor going to do that for you. Stop looking for those. Pick a few good stock index ETFs for long-term accumulation and capture various segments of the stock market. A well-diversified stock portfolio holds half in growth and half in value, generally large cap growth and small cap value. You can do something like a 35/35/15/15 split across these ETFs: VUG, AVUV, IDMO, AVDV. The first two are US large growth and US small value and the last two are international developed large growth and small value. Keep them rebalanced every year or two years, or by investing into the underperformer with new $ regularly.

HelloTheirCruleWorld

26 Male: Brokerage: • 41.6% VUG • 18.36% VTI • 3.68% INTUIT • 36.81% cash Roth IRA: • 37% VUG • 63% VTI 403b: • 100% VIIIX

RagnarokWolves

I want to give my nephew and nieces a nice present when they turn 18 so I started 2 competing investments, one is investing $1 a day into Coca-Cola and the other is investing $1 a day into VUG. In roughly 8 years, I'll give them the cash value of the one that grows the most and just keep the investments myself unless there's a convenient way to gift the stocks to them.

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.