VOO
Vanguard S&P 500 ETF
stockNYSEETF

No, I just throw my money into VOO, VTI, and a couple dividend stocks. Jesus you guys, no wonder you fall for 20 year old hedgies trapped scams.

I have 103K in VOO, 20K in VXUS, 100K in VT

Overlap here comes from how the funds are built. VT holds companies from around the world, and the US ones are the same large companies that sit in VOO, which is why the figures above show so many shared names. VXUS holds only companies outside the US, so it has no names in common with VOO, and that matches the 0% shown. Owning all three just means the US companies get a bigger weight than they would in VT alone, because VOO adds more of them on top of what VT and VXUS already hold. So the useful question is what percentage of your money sits in each fund, since that decides your total split between US and non-US companies.

Sell VOO for SPMO

First, kudos to you for recovering from addiction. For investments, don’t chase stuff because it’s talked up online. Almost all crypto is going to zero. Many stocks are going to zero. If I had your current holdings I would sell, except potentially one or two for which you can make a solid business case. The safe, effective thing to do is dollar cost average into cheap index funds like VOO and VT. Consider tech funds like VGT and QQQM, which have higher returns but also more volatility. If you want to bet a small fraction of your portfolio on individual investments, pick them because you can see they are excelling (eg because you are a customer of the underlying business). If you want to lose money faster, trade options.

you could swap out VOO & VO for VONE (lg & mid) to pair with AVUV for one less fund

Mathematically you're probably ahead running on a Bitcoin standard but your taxes are marginally more complex. Each bill is a taxable event. Benefits: you can use highest in first out cost basis method to harvest losses and reduce your taxable income. Con: if a bill comes out during a flash down you end up spending more on it, but the opposite is also true. You may sell into strength. Personally I hold ~3 months expenses in cash, 3 months expenses in VOO/VTI/QQQ, 3 months expenses/fun money in iBit and/or "digital credit" products. That's simplifies the tax structure and gives me layered liquidity. I never have to sell actual BTC and instead sell from my brokerage account.

This is great advice, but for someone who doesn’t know the language/terminology, they would probably bump up against VOO, index, fund and portfolio.

VOO is already a solid core for a 20-year horizon, so honestly the biggest optimization at your income is just keeping the contribution automatic and nudging it up whenever your stipend rises. If you aren't already, a Roth IRA is a great fit for a grad student in a low tax bracket, since you're allowed to contribute from earned income like a stipend. Past that, adding a total international fund is optional rather than necessary. Are you investing through a taxable account right now or an IRA?

VOO in a Roth IRA I hope. VOO is a great choice. Keeping buying steadily. When the market is doing poorly, buy a little extra.

Keep VOO and all future contributions should go to VTI.

I'm a PhD student in the US and earn 2500 dollars a month. I end up saving 300-400 dollars in a month. Currently I'm investing all of the money in VOO. Any tips on how to optimise my investments? Want long term money and expecting returns 20 years down the line.

You can just put money into VT or VOO every month and leave it until you retire. For 99% of people it will be enough so you can be wealthy

I just do 6% AVUV and 4% AVDV out of all small/mid caps. So no blend, only value, so that’s not really overweighting small/mid at a category, just the value ones. That volatility test is pretty short, the longterm SIM data of US SCV has really insane returns sure it’ll be more volatile though, so maybe do 10%. you could consider a barbell strategy by doing VOO + AVUV, since VTI covers small/mids already. don’t think it’s bad either way https://testfol.io/?s=1BugsPDdwEr

Are you retired? What do you need the income for? The most important thing is total returns. SCHD and VOO have had good total returns which is why I recommend those. QQQI will give you good income in a tech bull market if you are retired and need the money

I am freshly 22 years old. I have a decent risk tolerance. I currently have 12k in a brokerage account between these stocks (Palantir, VOO, QQQ, Clorox, Nike, Uber and Netflix) I’m looking at long time hold on those stocks. I have 48k in a Money Market account giving me about 3.5%. I also have another 20k in liquid cash. Zero debt. Car is paid off and have no other expenses besides car insurance. I have been doing research on dividend paying stocks and wanted to get some real advice from real people. What would be the difference if let’s say I got a good position in a dividend paying stock like Clorox. I make whatever the stock itself gives me in a return. On top of that my shares give me 6% annually. Wouldn’t this be a slam dunk? I’m very good at saving money and just want the money I have right now to continue giving me more. What are your thoughts?

It don’t matter just keep the VOO, and start buying VTI. The overlap doesn’t matter, it just makes your portfolio “less pretty”. If you wanna diversify, add vxus for international or just do VT for the entire world

I would look at QQQM, SOXX, and then just the market indexes like SPY or VOO

Everyone is always learning... it takes some time. What makes VOO brilliant is once you're in the index, there are millions of eyes, many professionals, scrutinizing the financials for you. IMO just keep going back to Bogleheads. Whatever trend or fad you read on the internet isn't going to hold up for decades like a 3 fund portfolio does.

VOO 60%, SCHD 20%, Nasdaq or SPMO 20% and you are all set for the next 20 years.

This. VTI = VOO + VXF. And you can pick your own split. I think VTI is 85/15.

I'm' smart enough to know I'm an idiot when it comes to the markets. Thus I VOO and chill

He's talking about after the latest reconstitution. It's down bad. VOO ia less volatile at the moment

For me, it's just VOO and VGT, but I'm curious if the group thinks that this is unsuitable.

An index is basically a basket of funds that represent...something. Most common are S&P 500, NASDAQ 100, or DOW 30. An index fund is a mutual fund or ETF that seeks to track an underlying index. It tries to "represent" the index and make it an investible entity. They have a number of large advantages. Instant diversification is a major advantage. VOO is a Vanguard fund that tracks the S&P 500 and holds...wait for it...about 500 different stocks. So by investing in a single mutual fund/ETF you get equity in 500 different companies. The other major advantage is that because the only goal is to track the index, and the indexes don't change very often, the underlying stocks don't change very often, so they're VERY VERY cheap to own. The biggest actively managed fund in the world has an Expense Ratio (the amount the manager charges you to invest in the fund) of 0.60%. VOO has a ER of 0.03%. You pay **20x** the amount of money to hold a fund like AGTHX as you do VOO ($60 vs. $3 per $10,000, respectively). Broad-based, inexpensive index funds are the best way to invest your money for the vast majority of people from beginner through experienced.