VUG

Straight-Annual8687

VUG and/or VOOG and chill

Slartibartfastthe2nd

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

Heyhayheigh

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

BeYourBestYou

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

redditissocoolyoyo

Ok awesome calm down. Just VUG and chill.

FRNAP13

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

ai_factcheck

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

Upset-Motor-2602

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

Cruian

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

catchy_phrase76

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

fozzy71

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

sirzoop

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

Shallow_Marshmallow_

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

Tackysock46

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

Busy-Difficulty-4757

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

catchy_phrase76

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

Far_Lifeguard_5027

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

fireduck

Personally I go with VUG. VUG life.

bodobeers2

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

letitgo99

VTI/VOO/VUG and chill.

GetRichOrBrokeTrying

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

BigBritches619

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

redhill_qik

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

thegoldenfinn

I have VUG.

DependentCheck992

Look into VUG

Left-Slice9456

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

catchy_phrase76

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

stbloc

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

Spicy__Urine

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

catchy_phrase76

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

rage675

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

Senior-Preference678

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

Senior-Preference678

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

Confident_Many4898

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

ForeverInTheSun82647

I’d have just done VOO, VXF, and VXUS. Soothing like 40/10/10. I have the same but VTI instead of the VOO. I’m already heavy into the VTI so I left it since it’s heavy weighted into the s&p already. If you want some growth tilt/satellite cap it at 2-5 percent. Something like VUG is solid. If you really wanted to get crazy you can go with VB and VO instead of VXF but IMO it’s not that crazy. It’s only if you’re trying to dial in certain market caps. As for individual stocks, we all have our own game-plan. I personally believe in tech. I’m heavy into tech and robotics. I believe in having some tilt into specific sectors. So I have some VFH and VHT. I do have a couple growth based pharma companies and a couple growth based financial companies. Just more into tech and robotics.

bodobeers2

No right or wrong, but depends on if you want true all market diversity or a bit skewed I think. Also if looking at VOO why not also look at VUG.

leaning_on_a_wheel

All in VUG

Spicy__Urine

+19% ytd, VOO, VUG, and then a small AVGO position because Nancy' Pelosi

Heyhayheigh

I hear you. But have fun with non retirement money. Buy QQQM of VUG auto weekly in a taxable account and work to increase that automatic amount. Only sell when you have something urgent to pay for. Have fun beating your monthly bills with your monthly automatic investment. I started with $50/week, that’s all I could afford. Now I do as much as all expenses combined. Have fun teaching this game to your friends and family so you all can vacation together in financial independence. You’re focusing on “choice” when you should focus on “effort”. There isn’t enough choice in those plans to have real fun anyways. Lowest cost sp500 and leave alone. I have looked at some of those plans. They sneak .80-1.5 internal trash in there, that fun could be pretty costly. Not worth.

HelloTheirCruleWorld

Anyone else panic buy rather than panic sell? Anytime VUG and VTI is down over 1%, I put a large chunk in. Every time.

HelloTheirCruleWorld

Anyone else panic buy rather than panic sell? Anytime VUG and VTI is down over 1%, I put a large chunk in. Every time.

helpwithsong2024

VUG is a cheaper VONG (and basically does the same thing, 84% overlap) I think CIBR and SHLF are unnecessary, but if you wanna tilt, do 10% each. Same with IBIT. I'd take the 20% leftover and do International fund, like VXUS. So my recommendation to you would be: 50% VUG (or VOO) 20% VXUS 10% CIBR 10% SHLD 10% IBIT

BigBritches619

Im all index funds now man im to old to make a mistake like that again. I figured all my extra cash will be in VUG and a small percentage in stocks. I think in a few months i can max out my 401k again and rebuild it

PickleRickleTV

My 401k is 75% VUG and 25% VOO. My regular brokerage ETF breakdown is probably closer to 50% VOO, 25% VT (just for a lil external exposure) and 25% VGT.

Heyhayheigh

QQQM is fine. Or VUG. The volatility is a feature, not a bug when you automate. The trick is to always work to increase the auto. Compare your auto to your bills, and remember that anything more than $100/month is more important than your future. Where you spend your resources is what it is important in your life.

isolated_808

sp500 etf like VOO is considered a large-cap blend etf. many consider it a growth etf is due to how the top 10 companies in the ETF, which comprises of almost 40% of the entire ETF, are all mainly tech companies. and of course, we all know how tech has dominated in recent years leading to massive gains for investors. a large cap growth would be something like SCHG and VUG. the top 10 holdings is even higher, for better or worst, comprising of almost 58% and 61% of the ETF, respectively. those top 10 holdings are also similar to VOO but the weightings are different (usually higher). therefore, you can say that large cap growth ETFs are more aggressive than VOO and usually suited to either investors late to the game (to make up for the lost years), for young people like yourself who can tolerate the volatility due to a longer investment timeframe of 20-30+ years, or simply for investors who just want to tilt a bit more towards growth.

WKUTopper

I would take MSFT between those two but if you want growth, why not just add VUG or SCHG ETF

Competitive_Home_149

Too many individual picks imo, especially the small caps. That ASTS and rocket stuff is basically gambling at this point. Maybe consolidate some of those 2% positions into more VUG or throw it at QQQ instead

MrAkimoto

Google VUG Vs VOO.

Spicy__Urine

I'm overweight Mag7 via VUG

CaptainDorfman

Mostly. Also some VGT and VUG

internetroamer

Tech etfs would still have had a much much better return. >if you’re so bullish on QQQ, why not go TQQQ I'm a long term investor and TQQQ isn't the best for long term. Because downturns can be catastrophic whereas with tech etfs you can still weather them given the time. Go through 2008 with tqqq and you're done. >The point of VT is to set it and forget it. I set and forget tech etfs like QQQ, MGK, VUG, IGM. Over ~20% annualized return over my portfolio career of 8 years Again if you're in your 20s, 30s and 40s with 10+ years working ahead of you then VT is way too overly cautious But we'll see in hindsight. Like we can look back now and say VT was objectively half the returns of qqq past 5 years and so the wrong decision. Lmk in 2030

Dominetrix

I bought houses after the recession and did the brrr method. It's a massive pain in the ass, and a ton of hard work. I got tired of replacing floors, and roofs, and sewage lines, and HVAC units and all the other stuff you're aware of. I sold off everything except my main and 1 rental and parked the money in VUG and Sprxx. That being said, since 2021 prices have been flat, but that may change in the next 1-2 years. If rates get lower there could be an uptick in home prices and demand. I think there's two ways to look at your situation. 1. Return on Investment, which you talked about. That number can be accepted as a decent return. In my case it was 10-20% depending on the year. 2. Return on equity. This is the number I looked at and decided I needed to shift out of houses. I had hundreds of thousands of dollars in equity. The return was less than 3% when I evaluated from this metric. I was also tired of having a net worth that was essentially inaccessible, and a low capital to net worth ratio. Having cash feels so much better. The only thing I'm missing without the houses is that asset leveraged at 3-5% interest.

Dapper_Addition_3837

Your plan is coherent for a young, high-risk-tolerance investor who’s already used to volatility, but here are the main things you’re either under-weighting or could tweak: 1. 100% Mag-7 long-term is still a massive concentration bet The Magnificent 7 are only \~30% of the S&P 500 today and \~45-50% of the Nasdaq-100. Putting 100% there is materially riskier than “100% Nasdaq” and way riskier than 60/40 Nasdaq/ACWI. If the AI trade reverses or regulation/anti-trust hits hard, you could easily lag the broad market by 10-20% per year for multiple years (see 2000-2010 when the biggest tech names underperformed horribly). 2. Waiting on the sidelines with $24k for a “big correction” is classic performance chasing in disguise Statistically you’ll do better just getting the money to work now in something you believe in long-term. The Mag-7 have corrected 15-30% plenty of times in the last 3 years and still ended much higher. Cash has an opportunity cost, especially at your age. 3. Reasonable middle-ground that keeps the spirit of your plan but reduces single-theme blowup risk * 70-80% in QQQM or a Mag-7 proxy (there are single-ticker funds that are literally just the 7 now) * 20-30% in a semi-equal-weight Nasdaq-100 (QQQE) or broader growth (VUG, IWF, SCHG) so you still get AI exposure without everything riding on AAPL/MSFT/NVDA etc. This still feels aggressive (way more than 99% of people your age) but survives a 2022-style growth crash much better. 4. The 20% high-conviction AI/Nuclear/Quantum bucket is fine That’s basically your “reddit stock” fun money — just keep it to 10-20% max so one zero doesn’t nuke the whole portfolio. 5. Monthly $600 DCA starting now is perfect Do that regardless of what you do with the $24k lump sum. Bottom line: 100% Mag-7 forever is unnecessary to stay “risk-on.” You can still be very aggressive (80% Nasdaq-100 + 20% moonshots) and have dramatically better diversification and downside protection than pure Mag-7. If you truly won’t flinch watching it drop 50%+, then sure, send the 100% Mag-7 plan — but most people (even ones who survived meme stocks) discover they have limits when it’s their biggest pile of money ever. Otherwise deploy the $24k into something like 80% QQQM + 20% thematic over the next 3-6 months and keep pounding the $600/month. You’ll sleep fine and still capture almost all of the upside you’re chasing.

Excellent-Sink9622

30% - VOO (Vanguard S&P 500) 20% - VUG (Vanguard Growth) 15%- VO (Vanguard Mid-Cap) 20%- VXUS (Vanguard Total International) 15% - VB (Vanguard Small-Cap)

Slartibartfastthe2nd

Depends on your risk tolerance. At your rate there's no obvious 'free money' trade, but many decent ETF's will reliably provide returns well over 6%. I personally would prioritize emergency fund savings first, and once you have a six month emergency fund divert to VOO or VUG (or a mix of those) for growth that is highly likely to outpace your mortgage interest rate.

greytoc

You can always use a mutual fund instead of VOO and VUG in your Roth if you want to be fully invested.

NoSolution1179

I have an eTrade Roth IRA, which does not do fractional shares except for dividend reinvestment. Most of my money is in VOO and VUG. I don't have enough left over to get any more of those, so I put as much of the leftover as I could into USFR so that it's at least not doing nothing. Now I have less than 25 in purchasing power. How can I make those last dollars do some work? I understand that's a paltry amount, I just wanna get as much as I can working for me. If the answer is "seriously bro don't worry about 25 bucks," then I'd understand.

PabloooG

Nice! Invest 50% of that in an etf (I do VUG). If you can remain consistent you’ll be a millionaire in no time.

UnitedElderberry

Thanks, great advice. As I was considering the options I became more and more risky. I’ve tuned that back I think. Planning to do: 60% VTI 25% VUG 15% Cash in SPAXX I think this is much less risk averse, while still allowing a good growth opportunity and not as much major drawback damage.

baseballer213

Calling this a “high-yield savings engine” is delusional. You are triple-dipping on the exact same companies: FSPGX and VUG are already top-heavy with the specific tickers you listed individually. This isn’t “diversified stability," it is a massive sector bet with extra administrative work. If big tech stumbles, your capital evaporates. Just buy QQQM and admit you are gambling.

weasler7

Lmao high yield savings engine =\= growth stock portfolio. Also, look at the composition of FSKAX, FSPGX, and VUG. They have high compositions of MSFT, GOOG, META, NVDA.

UnitedElderberry

I definitely see your point with assuming way too much risk if I’m more or less trying to get the feel of a HYSA. May pivot to just buying VUG and let it ride.

UnitedElderberry

Thanks for feedback, going 100% with something like VUG has been my biggest back and forth. And exactly as you said. This portfolio above is under an assumption that the next decade doesn’t have a catastrophic bubble otherwise my savings will be squat.

padbodh

In no way, or direction up or down, will this function like a high-yield savings account. What’s the sharpe ratio on the tests you’ve run? You choose FSPGX to “not overly concentrate the portfolio” but this is an intensely concentrated portfolio without it. How did your tests compare this to 100% VUG?

TheParagonOfMan

VUG

magamaha2028

Or VUG

elbosston

VUG

PabloooG

Yep. I usually take a call/put a right outside of the money. So let’s take for example right now qqq is $619.15 and I wanted a call, id look at $620-621. I read the charts using volume price analysis and real time options flow using HIRO. I aim for $75-200 profit a day. I figure If I can make $100 a day on average, that’s $25k a year. So basically $12.5k into my brokerage and $12.5k into VUG a year. I think it’s a good way to play the options “gambling” game while still investing long term

PabloooG

Exactly. My brokerage plan is a much less risky (albeit still risky) strategy. I essentially scalp weekly options and take 50% of my profits and place them into $VUG. I trade 1-2 contracts at a time and it’s worked relatively well. I also have a pension, 457, and Roth ira as my “safe” investments. This guy is asking to lose everything lol

sirzoop

Both. Grab some VTI VUG and VIG they are my favorites

FRNAP13

3/10. I tested your portfolio for the past 5 years and it would have done more or less the same as VGT performance alone. It’s an annualized return of 20%+ which is excellent compare to S&P500 at 15% over the last 10 years. All your performance comes from 2023. If you have one bad year, you go to -40%+. So all is good until it’s not. I would recommend to keep VGT as a significant portion of your portfolio, but diversify. Maybe VOO 50%, VGT 20%, VUG 10%, SPMO 10%, VXUS 10% (?)

BusyWorkinPete

|ETF Ticker|Name|10-Year Annualized Return|Notes| |:-|:-|:-|:-| |SPY or VOO|SPDR S&P 500 ETF Trust / Vanguard S&P 500 ETF|\~12.1%|Tracks the S&P 500; provides broad U.S. large-cap exposure with low fees.| |QQQ|Invesco QQQ Trust|\~20.3%|Nasdaq-100 focused; heavy in tech giants like Apple and Microsoft.| |VUG|Vanguard Growth ETF|\~18%|Targets large-cap growth stocks; balanced for long-term appreciation.| |VGT|Vanguard Information Technology ETF|\~23.4%|Tech sector focus; includes leaders like Nvidia and Broadcom.| |SMH|VanEck Semiconductor ETF|\~28-31%|Semiconductor industry; driven by AI and chip demand (varies slightly by source).| |XLK|Technology Select Sector SPDR Fund|\~20-22%|U.S. tech leaders; consistent outperformance vs. broader market.| As long as your return is over 12% yearly, your money will double in 6 years. So 300k becomes 600k in 6 years, 1.2M in 12 years, 2.4M in 18 years, 4.8M in 24 years. Obviously these don't get these returns every year, but their long term averages are above 12%. In 25 years, you should be able to turn 300K into 2M, which should be enough to retire on.

SirGlass

All the other popular ETFs are open ended funds , VOO, VTI , VUG , SCHD , IVV, ITOT, SCHB, SCHX this really just brings QQQ inline with the other most popular ETFs I really see no reason to vote no on it especially if you hold one of the above funds you already own open ended fund what QQQ wants to convert too. It cuts the expense ratio 10% ; its seems weird to complain they should have cut it more then vote no and pay a higher expense ratio

FRNAP13

Remove SCHD, DRGO, BND. Replace by a growth fund like VUG, VGT, SPMO. At 33, it’s time to be agressive and grow your wealth.

Enough_Fact1857

VUG and VIGAX should be exactly same index. Only difference is ETF vs Mutual Fund. There is a very sudden price drop of VUG at last minute of market closure 3:59pm-4pm. The price drop from \~481 to 476. If you use the price of 3:59pm, then it would be \~2.42%.

gingerbreadninja1

There was a HUGE red candle on VUG last minute of trading today, could have been some weird recording or accounting event or something. Some crazy end of day sale. VUG immediately recovered the following minute in the after hours.

Dry-Counter-4371

VUG

pigglesthepup

Holding but not adding. Might rotate out after I buy enough VUG.

FRNAP13

Mainly 2: 1. The people waiting with more than 10% of cash on the side. They are never fully invested and miss opportunities for years. 2. The VOO and chill people. They are just invested in the S&P500 index. They are missing opportunities to be invested in growth index like Russell 1000 growth. Over 10 years, it’s like a +100% difference in returns with VUG.

Digital-Doc-777

Bond yield is much lower than stock yield, especially with years to go. I put 30% of my 401k into growth, such as VUG or SCHG.

amg-rx7

Agreed. OP - it’s a marathon not a sprint race. Some of your picks are not long term investments. They are speculative short term trades at best. Their prices are already reverting on a downward trend. I would sell them and reallocate that money to your core positions or a good somewhat risky ETF like AIQ if you want to focus on growth from AI or something like VUG or VGT for more general growth

internetroamer

Time will prove who is right based on returns. My average return rate is about 18% but I only started in 2019 and my main thesis is just go toward big tech etfs so I hold ETFs like QQQ, MGK, VUG. So it's been a good bit luck

FRNAP13

Like VUG, mirroring the Russell 1000 growth index.

HelloTheirCruleWorld

More of a VTI/VUG split kinda guy

KingN0

Contributing 8% of my paycheck to VUG rn with the savings I get by being on my dad’s health insurance until 26. That way, hopefully I’ll have money just in time for when I’m too old to care that I have it.

FRNAP13

A lot of people tried to time the market before, during and after covid. The man scenario has been people selling at the wrong time and staying on the side when the market went up for too long. Also selling $1.5M will trigger a significant tax event. The key understanding in investment is that it is a game of patience. You need to stay invested during full cycles and be fully invested with a minimum of cash. $1.5M at 7% will be $4M is you stay invested with no contribution in 15 years. So you literally have nothing to do. With $25K contribution per year you will be around $5M. Now, one important thing to do is to invest not only in the S&P500, but be sure to be diversified. You should allocate a portion of your portfolio in international and more importantly into growth like SPMO, VGT, VUG.

random-meme422

That’s because people aren’t doing the “forget about it” part. VUG is up like 16% yoy

amg-rx7

I do the same thing. SCHG is a good one. So is VUG, VGT, IYW etc.

amg-rx7

Yes. Invest in a good growth ETF will help your financial status over 20 years. VGT VUG IYW are a few good growth and tech oriented options. Go research them and pick whatever fits your goals Also, invest in yourself and figure out what you need to do to succeed in your career. That is more of a factor than in your long term financial success

sirzoop

Dividends are worthless and they do not indicate financial strength. It is a common misconception that academia teaches you that is not true in the real world. If you don't believe me, go look at how SCHD (dividend focused etf) has compared to VUG (growth etf that barely pays dividends)

Outrageous_Tip_2133

If you are an index investor and buy a fixed chunk with every paycheck every other week, this sideways action or correction is actually welcome. Better to DCA at reasonable prices than at all-time-highs. But looks like shine is off AI for now. Stock picking is so difficult, I don't know how retail can successfully beat algorithms and insiders in the long run with individual stock. Sector rotation can make you a bag holder in a matter of days as we are seeing with quantum, nuclear, and rare earth stocks. That's why I only buy VOO/VUG/VTI.

InternetWorth8049

VTI: 40% VOO: 25% QQQ: 20% VUG: 15% Total: 100%  Set it and forget it

helpwithsong2024

1. So fee wise, Utah and NY are the cheapest (we chose NY) and offer the same investment options. 2. I think 100% US Stock is fine. (We're actually in 100% VUG, our kids are 5 and 3). Since you don't 'need need' the money, as well. My wife and I plan to move 1/4 of the 529 into Bonds 4 years out of when our kids need it to derisk a bit (like like how you'd do in retirement) 3. Since all 529s basically offer index funds their performance should be identical or almost identical

925Silver

How much of your total money is it? How long are you looking to invest it for? For the long term I’d say 50% in an all world or growth ETF like VUG or VWRA and 50% in a gold ETF like GLD. But if you’re looking to buy a particular stock? That’s gambling bro no advice on that - that would be your call. But dollar is debasing - bitcoin is volatile, gold is going to continue giving returns for time.

bodobeers2

VUG it up man.

JakeBacon3525

VUG

Thegreendild0

Love days like these, gimme more VUG shares😈

Old_Bay_Boy

Basically this -- GOOG + VUG 30/70

FDan1212

70% VTI - 20% VXUS - 10% VUG Without a time horizon, I think your answers are going to vary greatly