VUG

whatamidoing8000

I definitely want like 70-20-5-5 in my Roth (VOO, VXUS, and Growth like VUG and then something like VYM, SCHD or QQQM) For taxable: 50% VTI and 5% dividend (SCHD) The rest: Tesla, Meta, Google, Uber, TSM, Microsoft and NVIDIA. I know VOO/VTI will be better in my Roth so it’s mostly for once I hit the limit on Roth.

SureAce_

Depends how risky you want to go. Everybody has a strong stomach till problems start to arise. SSO, SPXL, TQQQ, leveraged ETFs. If your looking for just a growth fund then VUG. You could also look into leveraged stocks as well. Not familiar with those though.

Stunning-End-6870

What are your thoughts on QQQM vs VUG for long term holding?

JaSONJayhawk

I would gladly punch Nazi faces to have that level of success, but you probably worked hard for it in some way, so congrats. I'm also a fan of VOO due to the 0.03% expense cost (about 30 cents per $1K invested). Also recently became a fan of VUG within the last month, though I keep waiting for a TACO dip before buying more shares. I'm only in this subreddit because I'm too stupid to think I'm able to time the market when buying long-term retirement investments.

Hot-Hurry3199

VIG and VUG, not VOO

Unban_thx

EUAD is the new VUG

TheJustinG2002

I don’t have time to research individual stocks (even more so I’m not American) so my portfolio spread is as basic as it gets lmao VOO / VUG / VT / BRK-B

Working-Object-1781

I think anyone smart enough to question the brokerage fees and expense ratios is smart enough to do it themselves. Use Vanguard and don’t yourself. 2% is a whack and not worth what you’re getting. VOO, VUG and maybe an ETF that you have an interest in is enough. Later in life or when the markets super high you can move into mutual funds or other cash mechanisms. When you start earning regular monthly purchases are the way to go.

Theintelligentinv

Hello, thank you for sharing your situation — first of all, I am sorry for the loss of your grandfather. It sounds like it left you on a very solid financial footing, and it's great that you're thinking long-term with money. Here are some ideas based on what you shared: ⸻ 🛡️ 1. Maintain flexibility (optionality) Since you plan to go back to school and might need that money to buy a house, you don't want to put it into something risky or something you can't easily withdraw. The simple fact that you are being cautious already puts you ahead of many people your age. ⸻ 🏡 2. If you need it in 3 to 5 years, the objective is to protect the capital, not to grow it too much Since you are thinking about using that money in the medium term, the most important thing is that it does not lose value. Some safe options: • High Yield Savings Account – super safe, and currently returns ~4–5% annually. • Treasury bonds or money market funds (for example VMFXX at Vanguard) – low risk, higher return than a bank. • Short-term bond ETFs – such as BIL or VGSH. They give a little more, but have some duration risk (interest). ⸻ 📊 3. Don't put everything in stocks with that money You already have good exposure to stocks (VOO, VUG, Nvidia, Apple), and that's great for the long term. But this inherited money should be treated differently, because if the market goes down just when you need that money, you could lose some of the value. ⸻ 🧾 4. Find out if that money has fiscal implications (taxes) It is worth confirming whether the inheritance is taxable. • If it comes from a regular investment account, you will probably receive what is called a “stepped-up basis,” which is very favorable. • If you are coming from an IRA or other tax-advantaged account, the rules change. It would be good to ask the executor or an accountant. It's worth it to stay calm. ⸻ 🎓 5. If you are going to study, save an emergency fund in cash If you're not going to work full time, it's a good idea to set aside 6 to 12 months of living expenses in a secure account (like a HYSA or money market). This gives you stability and prevents you from having to sell investments if there is volatility in the market. ⸻ ✅ Final thought: • You are in an excellent position: no debt, diversified portfolio and long-term mindset. • With that inherited money, the ideal is to prioritize security and flexibility. • Let your investments in VOO and VUG continue to grow in the long term, but protect short and medium term money from volatility.

andrewmail

VUG

ptown2018

I look at my small Roth as my growth bucket, I have mostly VOO, with SCHG, VUG and VGT to boost the growth. Started conversions after retired.

False_Objective2576

I have VOO VUG VIG VBR VDE VHT VBIAX MGC VTI and a-lot of Schawb, T Rowe Price, Fidelity, Janus, and a couple other M/F that the name escapes me. Vanguard funds with very low expenses along with Schwab would provide you with a great diversifacation.

SirGlass

No you are right There is nothing really "wrong" with holding say VOO and SCHX , even though they are nearly identical funds Its just sort of pointless to do so and lots of novice investors may think they are diversifying by doing so , but since both funds have nearly identical holdings its not really adding diversity, but its not really "hurting" anything either just sort of pointless Often times you will see novice investors being like here is my portfolio VTI/VOO/QQQ/VUG If your goal is diversity , holding all those funds are not adding diversity In fact simply holding VTI would make your more diverse , adding VOO/QQQ/VUG is actually just concentrating your holdings into Large Cap and Large cap tech/growth making you less diverse

helpwithsong2024

VUG

YahMahn25

VUG

EnthusiasticBore

I did. I had everything in FXIAX (Fidelity’s VOO) and sold during the slide. I didn’t time the bottom perfectly but did OK. I bought back in with a somewhat more conservative portfolio: gold, international funds, utilities, and short-term bonds, plus I put about 20% back into VUG and VOO. So far the SGOL has done the best, with VUG and VYMI running second. VYMI has been more volatile than expected causing me to doubt that choice but I’m holding on. Overall, I’m almost back to where I was in late Feb though I have a far different mix. I’m underperforming the market now but just barely.

amg-rx7

VGT or VUG are pretty good option

FrickinLazerBeams

If you're investing long term, you probably want to stop putting money in crypto and meme stocks. Buy VOO, VTI, or VUG and then stop looking at the app for 5 years or so.

False_Objective2576

Go with Vanguard, look at VOO, VIG, VUG , VTI, VBIAX. A starter Kit, maybe a conservative approach with a $1,000 each along with a $100 per monthly auto investment to dollar cost average into the possible volatile market. When the market is down you are buying in cheap, and it could be a slow growth for years is perfect for young long term investors. It is like a race and if you have children definitely go with VOO for them, all of that birthday or rewards money right in.

Phlydude

Bought RCL during Covid under $15…had a stop loss set and it auto sold at $76 - my fault for not upping the loss percentage but 5X purchase price isn’t bad in the grand scheme in under a year (but seeing that $279 peak price is ugh) Current holding a 61% gain on VUG in a IRA account converted from an old 401k along with 34% gain on both VOO and VTI. Played with SPACs and got burned on a couple but actually flipped one at a little over 2x when it became GNOG (golden nugget online gaming). Looks like it is dead now.

Illustrious_Leg799

Consider adding VUG for growth while keeping VTI/VXUS for balance. Diversification is key.

TheInkDon1

Interesting, and I was sure someone would bring this up. I 'thought' 5 years was enough of a lookback (it is for me), especially when talking about trading around an underlying *weekly or* less. Because to me it's like this: remember integration from HS or college Calculus? What's the slope of this itty-bitty part of this curve? Or maybe a better example, approximating a curve with tiny-tiny linear segments? To me, this is like that. Yeah, if I were going to plonk my money into something and not look at at for 20 years, then yeah, maybe an Index fund is better for me. (And I love your numbers about 80%/20% and 70%/30%, I'll have to look into that. Because I think they speak to this point I just made.) But why would I do that? (Why would *anyone* do that, tbh.) Can I look at my investments once every 5 years, at least? Maybe every year? Then pick the 'thing' that's going up the most/best? (I'm an unabashed momentum-follower on top of this other crazy stuff.) Do you see where I'm going? Maybe we don't need to look at the market over 50 years, or 20, or 10, or even 5. Maybe 1 year is enough to get a feel for what's going on. I'm taking that 50- or 20-year history and integrating it, dicing it up, looking at smaller and smaller time slices. And what do I see in those ever-smaller slices? How about [gold vs the S&P500 for the last 5 years?](https://imgur.com/a/FWumVaL) Wow, in 2021 "the market" was the place to be. 2022 though, not so much: GLD lost much less, percentage-wise. Interestingly, you could zoom in to 4 years, then 3 years, then 2 years, then 1 year, then 6 months, then 3 months, and find gold beating the S&P in every one of those cases. But this for me isn't about gold "winning" over the long term, it's about gold *behaving*. Behaving better than "the market," better than Apple, better than Walmart, JNJ, COST, PFE. Better than most non-index ETFs: VUG, VTV, IWF, etc. In short, better than ANYTHING I've found yet. That's why I like to trade it. But back to your point: gold "spiking down and staying down for a long period." **Does is it, though?** That's my question to you. Looking back over [110 years](https://imgur.com/a/tu27iBn) it sure seems like it does. But is that because we're "zoomed out"? What did it look like to investors in real time? It's hard to get a graph of gold over 100 years on Yahoo Finance, and GLD only goes back to about 2005, but I'm going to use that to zoom in on that "spike down" in \~2011. (Btw, I'm doing this as much for me now as to answer you, if you start wondering why I'm putting so much time into it.)

EatBaconDaily

You could also look at growth indexes like VUG

leadfarmer154

None of those are target funds. I'm fully aware of VOOG, QQQ, VUG, SCHG..etc

Party_Shoe104

Only you can define what "good" is. I would say most money managers compare their performances to that of the S&P 500. Over the last 40 years, the S&P 500 averages about a 10% gain per year. Congrats on crossing the milestone! Since the market goes up and down on a daily basis, do not get discouraged if you see your portfolio dip back down under that milestone. As long as you hold QUALITY companies/stocks within your portfolio, it will go back above that milestone and continue to grow. When do you sell? 1) If the fundamentals of one of the companies you own begins to deteriorate, then it is o-kay to sell. 2) If there is another stock that will give you a better return on your money than a stock you currently hold, then it is o-kay to sell. 3) If you are trying to raise money for something (down payment for a house, buy a car, pay for tuition, etc.) and you've hit your goal, it is o-kay to sell. 4) If a stock price shot up over 30% in 1 day, it is okay to sell some or all of your shares. Best path forward for a conservative investor is to invest in an ETF that tracks the S&P 500. There are a gazillion of them, such as SPY, VUG,, & SPLG. I do know that SPLG has a very low expense ratio. You can also look into the QQQ (tracks the top 100 companies of the NASDQ).

xiongchiamiov

> I just don't see the point of having my money in SCHD or VOO if QQQ is going to do a lot of the heavy lifting and have the best returns. Agreed. But we don't in fact know that will be the case. First off, QQQ is a bet that what exchange a company lists on predicts future performance. Do you really believe Pepsi (nasdaq) is definitely going to beat Coke (nyse)? Usually what folks are trying to get is a bias towards tech companies or growth companies. There are more accurate ways to do that (VGT+VOX, VUG), but they assume continued outperformance of things that have done well recently. [We know that these sorts of things aren't consistent](https://www.bogleheads.org/wiki/Callan_periodic_table_of_investment_returns) and so a strong bias that way may simply be buying at high prices for mediocre returns. Or it could end up really well - we don't know. That's why we buy VOO and other broad funds.

everySmell9000

bro why not buy VUG instead of that boomer etf SCHD? kid’s got plenty of time for growth. dividends are not optimal for a roth.

Full_Bank_6172

Same I just dumped 50% of my net worth into VUG.

coolguyisepic

Thanks! You think I should do VOO, SPLG, SCHD, and VUG or just pick one or two?

therealjerseytom

> So, would you be able to grant that buying VDIGX when you expect VUG to tank can be logical? No; that makes no sense to me on several levels. Backwards even. One in that it's coming across that you're market timing or have a crystal ball of prediction. Two, a recession and downturn is something to *embrace.* If I did have that crystal ball and knew that VIGIX was going to tank sometime soon, I'd be putting 100% of my contributions into it.

AltoidNerd

I take that point and grant it. Dividend funds are recession resistant, even more so than value funds. Since I somewhat expect a poor economy, I’m wanting to chill on growth at least until I get a confirmation above ATH. So, would you be able to grant that buying VDIGX when you expect VUG to tank can be logical?

NiftySalamander

It would be silly if they were all taxable brokerages, but the IRA and Roth are for tax advantages. Personally I go heavy on VUG (or any growth, that's just the fund I have) in my roth since the whole idea is tax free gains + time.

CandidLove6317

Definitely not a bad idea to put money into things like SPY, VOO, QQQ, etc. VUG is also a good one focused on more growth stocks as a complement to the others. Just continue putting a little bit in consistently over time, read a little bit here and there, and you’ll naturally learn more about more specific types of investments you want to get into. Time is on your side so slow, safe, and steady is a great way to start. You’ll have a much better understanding of different approaches and sectors before you know it.

contingent_being

I hope this comes off gracefully, but I really can’t seem to understand the mentality of young/new investors stock picking NVDA. I get that it’s only 5% of the total money you want to allocate, but take into consideration that NVDA is currently the most valuable publicly traded company sitting at a market cap of $3 Trillion. How much more upside do you think there is? In order for NVDA to double in price up to $280, that’s a $6 Trillion market cap. There is a possibility this can happen over the next 5-10 years given that we are in a massive AI boom, but there’s also potential for the bubble to burst. Stock picking is a skill that’s really exclusive to seasoned investors that are able to understand the implications on balance sheets, PE ratios, and macro economics at play that can influence valuation in both good and bad ways. I’m not saying NVDA is a bad stock to pick, but it’s likely not the one that will outperform the overall market over the next 5 years, given its current valuation. I could be wrong about that too because nobody can predict the future, but just think about that. At 17, I really wouldn’t be investing in anything other than index funds. VOO, SPLG, SCHD, and VUG are all solid. In the future when you’re able to grow this money to something you’re proud of, at that point you could consider allocating a modest amount to stock picking once you’ve got the education and experience to spot really good opportunities. Best of luck man!

TheSavageDonut

He should max out his Roth IRA and put it all into VUG. He should take remaining money in brokerage account and put it all into SCHD -- turn DRIP on.

AquariumsW

I would put half of that cash right away in some low fee/high yield ETFs. In USA, that would be QQQ, IWF, VUG, and VOO. I believe in all 4 of those, many of the top holdings are the same. so they have similar performance. Be very wary of 'picking stocks' because of a hunch. You can do that once in a while for fun, but it is gambling. Over the next few months, invest the other half of your unused cash. Keep the crypto and hope for the best, gold may be near its max and you could sell or hold for a few more weeks until the Orange Putin figures out what tariffs will stick and how that affects other industries. Will solar and eCars take off? AI seems a pretty good bet, so another gamble is SOXL, a 3x leverage chip fund. Spread your money over some conservative choices, most into successful long term companies, and a little in more aggressive risky choices.

twobeersandaplan

VOO is a great option. People have been saying the market is due for a recession since Obama was in office, yet we still haven't had one, but that doesn't mean we won't. One party will say it and then when the offices swap, the other does. Reddit is a primarily left leaning app and has a massive number of doomers who HAVE to mention a recession is coming at least 5x a day. Yet, under the current administration we have seen the market continue to, mostly, go up. I'll say the same things I've been saying. Keep DCAing no matter who runs the country. All that aside, my portfolio is a "set it and forget it" type. I do 50% VOO for general U.S. growth, 25% VUG for the tech industry which had dominated the market for a while now and 25% SCHD for diversity in other areas and dividend growth. I love this setup because if the market is down, I'm still buying, same as if it is up. If a recession hits, it's just a firesale, and if the market goes completely bust, we'll all have more important things to worry about than stocks...

gentlegiant80

If you have a Roth option on your 401(k) and aren’t maxing your 401(k), you could just increase your contribution by the $750 and put it into your work’s growth stock fund like VUG or something similar. Otherwise, Roth 401(k) could work. Second, if you are planning to work until 70, you probably want to research RMDs. Under the law, you’re required to take minimum withdrawals starting at age 73 from any traditional IRA/401(k) which may be a good reason to make more of your retirement savings over the next decade or so in Roth-based vehicles.

Sensitive_Ganache_27

Came back to stock and my portfolio is pretty similar, only missing QQQ. Coworkers told me to add VGT, VUG, VYM, and VIG. I'm more heavily invested in crypto, lol.

Calvoo100

I'd stick with SCHG/SCHD since it's already working well for you. FDVV is solid if you want more international exposure but SCHD's track record is hard to beat. For growth, VUG and VONG are worth considering alongside SCHG but honestly your current combo seems dialed in already.

SteppnWolf

Follow the boglehead approach until you have a nice sizeable chunk invested in broad market low cost index funds. Once that's established you should have an idea on how to research companies, and get a better idea on what stocks you want to invest in individually. Limit it to 10% of your portfolio. I just started investing about 4 years ago. Majority of my money is in VTI/VOO/FSKAX/FXAIX. I have a small amount in VUG/FSPGX and BRKB. So the only individual stock I have right now is BRKB. My base is almost set and soon I'm gonna look into some other individual stocks.

brybrubru

https://preview.redd.it/6ijguuvg8m3f1.png?width=746&format=png&auto=webp&s=c297085153a06e8f8e686bc32bd14bec633ff637 VUG has peaked.

MyHappyHaven

I like to compare the sharpe ratio and love VUG in addition to VOO/VT.

amg-rx7

VOO. Maybe add some VGT or VUG to kick it up a notch

AskPatient1281

OK, so I’ll assume this is money you don’t need for your day-to-day expenses. You also mentioned that you want to be aggressive. Just to be clear, being aggressive means taking on more risk. That means your investment could grow significantly, but it could also lose value. If I were in your situation, with $750 that isn’t needed for daily expenses or retirement, I would consider putting it 100% into a growth ETF like VUG or QQQ. I would do this knowing there’s always a chance of a meaningful drop, since this is the stock market.

Prudent-Corgi3793

If you want to exclude a specific company because you hate it for some reason (i.e. political, ethical, etc.), it’s a bit impractical unless you buy 499 stocks individually. You can also buy the index and take a short position but there are trading costs. Since you mentioned Tesla specifically, you can take advantage of the fact that its valuation is ridiculous and that it isn’t profitable in the following manner. A 50/50 split of value and growth funds (VTV and VUG) closely approximates the returns and the factor exposure of VOO for just 4 bp instead of 3 bp. However, Tesla is in VUG despite not growing because the underlying methodology for the CRSP index assigns a stock to one bin or the other. Fortunately, the quality and growth factors are heavily correlated, so you could replace VUG with SPHQ, the S&P quality ETF which would exclude Tesla. tl;dr VTV + SPHQ

callidus7

First I'd move your SPY to VOO. Lower expense ratio, same growth. At your age, it will make a difference long term. Trade SPY, as it's more liquid, invest VOO. For <5 years? SGOV. For more than 5 years? DCA into VOOG/VUG or other growth type funds. I'd avoid heavily investing in individual stocks until you have a really, really solid foundation and understanding. Instead find a good fun with heavier exposure to the stock you want l. Sites like whalewisdom are helpful.

redhill_qik

"Takeaway: Buy the total market, and tilt to value (and the other factors) if you are younger and are able to take more risk." Thanks for the suggestion, but I've been perfectly happy with my growth index funds (VUG, VIGAX, VONG) for the last 20 years. They take a bigger hit during a downturn, but the overall return has been higher than the market (SPY, VOO).

Apprehensive_One315

I've been bitten by single company risk in the past. I would stick to something like SCHG or VUG if you want to be riskier than just buying the whole market or S&P500.

Apprehensive_Row6320

I am interested in investing about 20k in high growth funds. I already own schg, vig, schd, and qqqm I’m particularly interested in VUG but it looks close to an all time high and is up like 70 dollars recently Would this be a bad time to buy VUG due to this ?

Spicy__Urine

Why dividend stocks? Just target companies you like, dividends are taxctuallly inferior but seeing as though you don't mind them, target what you like or as everyone else will say and what I do (VOO + VUG), VOO and chill.

helpwithsong2024

VUG

pandadogunited

Vanguard owns the SMCI through VTI, VOO, VO, and VUG. These are all passive funds. There is no statement being made here.

jblackwb

Honest, safe advice over the long term: Just buy a Vanguard ETF (I prefer VUG, myself) and be done with it. They get good rates (10-15%), are tax advantaged, and are highly diversified.

fatheadlifter

My relatively safe portfolio compared to yall: * VTSAX - 52% * SWPPX - 25% * QQQ - 8% * SCHD - 4% * VUG - 4% * GOOD - 2.5% * SSSS - 2% * VICI - 1.5% * O - 1% The bad eggs have been GOOD, SSSS and O. That's why they're such a low percentage, I stopped contributing to them but still holding them.

helpwithsong2024

I use VUG in my Roth IRA and my kids' 529. Sadly I lumped in Jan so I didn't get to buy the dip, but oh well!

ZeusLordOfOlympus

You guys can thank me for the stock market recovery. I sold VUG to invest into Berkshire Hathaway to "let Warren lead the way through the Trump economy" and so I missed the VUG recovery and grabbed onto the Berkshire Hathaway slump.

WanderersTales

I’d just buy VUG VGT VEU and delete the app for a year

offmydingy

It doesn't matter in the long run. I picked VUG about 700 years ago, and it's fine. People who do this "VOO vs VTI" shit are splitting hairs and wasting their time. Toss a coin and get in.

amg-rx7

100% stocks is ok but way too much work for me personally. More volatility than I’d like as well. Especially once your portfolio is larger. I’m twice your age though. At your age and the typical size of a portfolio at your age, I’d say it’s ok IF you keep on top of things and manage your risk appropriately I like to have the bulk of my portfolio in ETFs like VOO, VUG NOBL etc. Less volatility and risk. then spice it up by investing in stocks in which I have a lot of conviction and maybe a couple of small positions for pure speculation if I find something interesting. Lots of room for personal preference depending on one’s goals and risk tolerance

Apprehensive-Neck-12

VUG was the fund. Use whatever source you use to look it up

CommandOk50

I would probably do 60% VTI 20% VXUS and 20% VUG or QQQ.

Responsible_Ad_1405

I wouldn’t rush into investing if you don’t have experience! Put it all in a high yield savings account and let it sit while you learn more (you’ll make about $9k in 6 months). Assess your goals and see what would be most smart for you. Are you renting? Maybe it’s time to buy. Be modest and don’t over do it. I would definitely invest in some good ETFs… VOO, VUG, QQQ. JEPQ is gaining in popularity. If you invested $100k in that, you’d have made about $1,300 last month that I would reinvest. You’re very lucky! No need to be hasty! Best of luck!

Virtual_Frosting_927

This includes no international and includes an actively managed etf with a high expense ratio. I agree with VOO here, but there is no guarantee VUG will outperform and there is definitely no guarantee GRNY will outperform, especially with how much TV the guy does.

amg-rx7

In 7-10 years, I think you'll do fine with something like this: 70% VOO - good core ETF to invest in good companies 20$ VUG - good growth oriented ETF but has more volatility 10% GRNY - potentially good growth ETF from a well known investor

WanderersTales

I would have just gone with VUG, VGT and VEU

WanderersTales

I would have just done VUG VGT and VEU

WanderersTales

Yeah i would just go VUG VGT VEU VTV and just delete the app for a year

kiwimancy

VUG has 4bp expenses and VOO has 3bps. With a portfolio of both at 50/50, your overall expense ratio is 3.5bps. Consolidating to 100% VOO would lower your expenses from 3.5bps average to 3bps. But that would be a noticeably different portfolio, with less exposure to growth stocks.

Valhalla0405

How does consolidating my shares mean lower fees? If I have for example 40 shares of VUG and 30 shares of VOO (~$15,500) each why would consolidating all $31,000 of just one lower my expenses? Are expenses not just per share? I don’t understand.

XOM_CVX

Sold all of my VUG and traded into IAUM.

KnowledgeConscious77

Just look at Vanguard Value and Growth ETFs: [https://portfolioslab.com/tools/stock-comparison/VTV/VUG](https://portfolioslab.com/tools/stock-comparison/VTV/VUG) "Over the past 10 years, VTV has underperformed VUG with an annualized return of 9.62%, while VUG has yielded a comparatively higher 14.50% annualized return."

mylefthandkilledme

I have roth ira but I dont have an brokerage account. I'm not great at picking stocks but I also dont want it to be redundant to my roth portfolio. Roth majority consists of VTI, VUG, VXUS, BND. Down for the year (arent we all) but overall portfolio has an 8.8% return. Advice for choosing stocks for brokerage account? Stock advice for brokerage?

sol_beach

VUG (Vanguard Growth ETF) QQQ (Invesco QQQ Trust) SCHG (Schwab U.S. Large-Cap Growth ETF) IWF (iShares Russell 1000 Growth ETF) SPYG (SPDR Portfolio S&P 500 Growth ETF) MGK (Vanguard Mega Cap Growth ETF) ARKK (ARK Innovation ETF) TAKE YOUR PICK

jginvest71

I use VONG just because it has more holdings than most of the others. On the other hand, if you want a more concentrated etf, SCHG or VUG. I’m not sure if it’s in those ETFs but VONG contains things like Coke. So it’s really a concentration/diversification issue.

amg-rx7

That’s a good simple setup. AIX and ROX perform almost identically just like VOO and VTI so I’m not sure owning both really diversifies the performance. I had a similar setup in my 401k then just stopped investing new money into VTI. The only suggestion I’ll make is to switch to the equivalent ETF of the mutual funds you selected since the cost of ETFs are cheaper. And maybe consider allocating 5-10% to a growth focused ETF like VUG or VGT to boost performance. You’re young and have the time until retirement to weather volatility - if your personal risk tolerance can handle the volatility…

rjbarn

\+$4k on shares. RKLB UNH and VUG

8805

I'll assume you own zero SPY, VOO, QQQ, VUG. . . .

Heyhayheigh

From my responses you think I buy primarily individual stocks? Wow, talk about missing the mark. No. VOO or QQQM, VUG etc. those are the autos. They are weekly. I rarely take them off (maybe if i take time off of working full time). Yea, I buy stocks I like with extra cash, it’s fun, it’s the business I’m in, it’s important for me to know what the normies are doing. Helps with empathy. All that purchasing power nonsense you put: irrelevant. The reason most should just VOO and chill is because that is what they will go back and measure against. Why not just use the measuring stick to begin with? You invest because you don’t have better alternatives. If you can start your own successful business, sweet, do that instead. But startups fail 90% of the time. VOO and chill is just easier. If you think sp500 is risky, try opening a successful restaurant. Having good food isn’t enough. Sp500 is easier. No work needed. No research needed. Set up to weekly. Auto. Don’t rely on self discipline. Acquire all you can. Have an emergency fund. Sell only when you need to pay for something urgent. No leverage was mentioned by me. Trading out of one to another is just speculating. Then be a good employee. A good friend and family member. I have a job. I earn a salary, but I invest like an owner. I don’t have a better option that I am willing to do (like most).

Geebdabber69420

VUG better return than S&P

StereoNostalgic

Just stocking up on VUG or MAG7. Even if no magic happens, I think they'll go back up to Jan levels. Thoughts?

Prize-Bumblebee-2192

Vanguard funds are way cheaper and unless you’re looking for option exposure, it’s the better deal for VUG or VOOG.

MegaFatcat100

Would you suggest just sticking it in VOO or VTI? I see VUG has higher returns overall but it seems to be more of a risk. Some people are claiming VUG-heavy is better early on.

Little_Money_8009

I would cut the losses, 2.3k down isn't that much. Buy back into the market in an index fund. If you want to be aggressive you an do like QQQ or VUG growth stocks. Some of that loss will be recovered anyways when the general market recovers. But you won't have to worry about Tesla failing as a company since index funds are diversified.

Successful-Tea-5733

I would do the same thing tomorrow that I would have done in January, or November, or August. \- Put $200k into HYSA \- Put $10,000 per month into the market spread across 2-3 funds (SPMO, APO and VUG are my current preferences) However there is one caution I would give you: I would ONLY invest on days that end with the letter y.

mfrag_2

VTI in Roth. VUG Meta Goog also looking at CLS VRT CEG and VST

JPete4985

I think Monday 4/7 will be a decent buying opportunity for a long term investor. We’re down about 10% give or take coming off last week and futures are showing a Monday open with another dip of 5-7% for me a 15-17% discount is buy territory even if I lose out a little in the short term. History repeats and markets will rebound… this is temporary turmoil and a bad news cycle with bad policy that seems to change daily. I’m a buyer on Monday for another 20k of VTI, schd, VXUS, VUG

soccerguys14

Lmao that’s brutal. I’m VOO & VUG heavy and I’m down 20k YTD feels bad but that would be worse

aftherith

Bought a little VUG VOO AMZN GOOGL AAPL ARM. Throw me a knife and I will try to catch it. Not leap time yet IMO but you could probably buy a QQQ Dec 27 itm and make bank eventually but the preems are jacked 

trinaryouroboros

yo watch VUG, like meticulously, at it's lowest buy like hell

Digital-Doc-777

Keep investing, and wait for the bounce, which may take months. Would suggest to continue with VOO, but also diversify with some dividend (VYM), growth (VUG) and bonds (BND) along with international (VXUS) to smooth out the ride.

helpwithsong2024

Because they want a slight growth tilt. I have my kids' 529 in VUG because of the shorter time frame, but most is in VOO/VXUS. If you don't feel comfortable, buying VOO is completely fine.

tradinghabits89

Idk I like NBIS, APLD, VUG I could keep going but those are what I'll focus on here all preferred over nvda right now

agonylolol

Stack VUG and chill

Majestic_Sympathy162

I'm finally gonna sell my VUG and SMH to buy defensive. Only 3 mths late. Bottom is definitely in.

Old_Bay_Boy

VUG. GOOG, but I'm done buying that for this year. Waiting for COST to dip a bit more, but don't expect that to happen.

aftherith

Well we needed to test lows again. My guess is we punch through them lower but who knows. I always buy a little bit of VOO and VUG on days like this. As long as they are higher in 10 years I'm fine with it. If they aren't higher in 10 years it's probably because we are hunting each other for meat.

LOLunlucky

>The timing is uncertain, but I expect it could happen as early as June or July, and at the latest by October. I'll be keeping a close eye on the market and cut loose my VUG and possibly a chunk of ONIFX as/if things turn south. The ONIFX, to my understanding, has more international exposure, so I'm a little less worried there. >buying physical gold. It’s a time-tested hedge against economic instability. I completely agree. I'm not one of those doomsday guys who thinks we're going to be buying bullets and canned food with precious metals, but I think it's a decent investment. For the past year or so, I've been buying an ounce of silver (sometimes a little more) with each bimonthly paycheck. Gold is expensive! I collect coins, so bullion isn't unfamiliar to me. >look to buy defensive stocks. Good to know, and I'll keep that in mind. You mentioned COST in your initial post. I like that one- it kind of covers a lot of bases in one go. >Hope this helps you think through your options! It does! Thank you very much for the thoughtful replies. Its much appreciated. I'll be following your posts!

LOLunlucky

I'm OK to keep an eye on it, but probably no really active trading. Ideally I'd put the bulk in a safe index and or mutual fund and forget about it, like I did with VUG and ONIFX, but I'm not even sure that those are "safe" anymore.

LOLunlucky

I'm going to ask this here because it seems like there are a lot of very knowledgeable people in this thread, and I'm just starting out with investing so I'm hoping someone will throw me a bone. I have a lot of money in 1 year T Bills. Is that dumb? I got them in January on the advice of my financial advisor because I wanted to buy a house in the next year. My house plan is no longer in play because my SO is likely to have her union gutted, as DOGE has fired the union's federally funded representatives. I also have about 20% of my worth in VUG and another 30% in ONIFX. I know this is off topic so I beg forgiveness.