VOO
Vanguard S&P 500 ETF
stock NYSE ETF

My Roth is 75% VOO and 25% VXUS. That’s it.

I think this is my “final” setup I’ve concluded with
I will no longer add to SCHD, BND, or GLD. And am primarily reinvesting into VOO, VXUS, and VXF. NVDA I may sporadically add to if.
Does that make sense and is diverse enough?

Yes, exactly. You’re someone who doesn’t know why they’re doing what they’re doing. Stick to VOO

I do VOO + VXUS + VGT. VOO as the core, VGT for a bit more risk/reward, VXUS to hedge a bit (especially currency) plus it has higher dividend yield.

Imagine if you didn’t trade options but just VOO and chill

As others have noted, there is no reason to pay for a managed brokerage account. Invest all in VOO if you want to maximize returns, invest in a target retirement date fund if you want someone else to make the risk judgments for you.
As to having 1 vs 2 brokerage accounts, I have 2 through circumstance (3 if you include my pension). It’s one of those things where there isn’t a good enough reason to intentionally set it up that way, but I’m glad I do have two just in case of temporary glitches or similar. Or in my case, one of my brokerage accounts essentially protects me from myself, because I take risks in the other brokerage account that can put all of my funds and liquidity at risk. So it ensures I will never hit $0, worst case scenario. And the hassle of transferring the positions and the tax consequences of liquidating keep me from touching it.

Index funds are safe(r) and slow growth that compound over time. Check out VOO.
Picking single stocks is extremely risky for small / mid cap companies, but with enough money on these stocks, you can see huge gains in small periods of time if you get lucky with your picks. You probably won’t get lucky though, because a lot of early growth companies are heavily shorted, and they will have to raise capital to grow which means diluting share price etc to raise cash. You also have to deal with scheduled sales from company employees, and also share price movements that can be changed heavily due to macro market events like uncertainty.
You may wanna stick to index funds for starters, until you get more time to research smaller companies so you can invest in them with higher confidence of future growth.

Since you are really new to investing, I would put around 90% of your money in an ETF linked to the S&P 500 like VOO. Then for the rest of your money, buy individual stocks of high quality companies growing over 10% in revenue and earnings, whose stock is at good price (check the P/E ratio). The reason I recommend some individual stock exposure is to learn. Some decent individual stocks are META GOOGL.

should i just put it into VT or add VOO as well?

Just wanted to get some advice and input.
I started and have been maxing my ROTH IRA since 2017 and I live long enough, plan to keep maxing it until i'm 60. I only recently got into ETFs and by get into them ... I mean listening to reddit, youtube, and word of mouth. I sold all my stocks that were in green and put it into these EFTs. Current portfolio value is 100K (with 11K in different stocks currently in red ☠️, and 2k in bank bonds also in red 🤣)
I know that "In VOO We Trust" but it's too pricey for me rn.

I am a college student, and I would like to get into stocks and understanding the market. I currently have an individual brokerage that invests in SWPPX(mostly in this) and SWISX and a roth IRA investing in VOO and SWPPX. I also have a CMA account through Fidelity acting as a HYSA.
I want to start investing in individual stocks with only $500-700 just to start out. I want to be a little risky to make some money but not too risky to where I would lose quite a bit. What stocks should I start with and how many total? Since I have long term investments I put money into every month for the future, I want to use these individual stocks to make more short term income(I know I won't make a bunch with only 500-700 but I plan to put more in as I learn more). I am looking at making some income within months to 1-2 years. Let me know what I should do, thank you!

From all you own, perhaps just owning VTI or VOO + a handful of the top few stocks driving the S&P500 might be the best changes you could make, instead of adding yet more ETF's.

VTI, VT, VXUS, VOO are already all sector. They're buying a bag of regular Skittles - multiple colors in one container.
Sector specific investing would be buying separate bags for only yellow, only red, only green, only orange, etc and combining them as you want.
Edit: Added hyphen

AVUV is outperforming VOO over the past 12 months. And YTD it's absolutely spanking VOO.
Everything sucks until it doesn't.

**If you look at the raw chart, ONEQ appears to be the clear winner in terms of total price appreciation.**
However this chart does not account for the expense ratios.
ONEQ Expense Ratio: 0.21% SCHG Expense Ratio: 0.04%
**Is ONEQ really the better ETF overall?**
Website link is www.etfreplay.com/charts. Dates are from 1/4/2000-1/26/2026.
(sorry VOO and IVV investors)

Sounds like a solid allocation. The HYSA might not be a bad idea even besides an emergency, it's good to have extra cash sitting you can use when there's big market dips to make big buys. I personally keep one but like you said, you're young and already prepared. It'll make more money in the market for sure. As you get older having a few thousand in there minimum is probably smart, but you can build to that over time while the other money makes you money in the market. A really cool fund to check out is FSELX. Then those S&P 500 funds like FXAIX and VOO are a necessity. An international index fund like FZILX will give you exposure to big companies in other countries, bonus on that one there's no management fees whatsoever. Good luck! Sounds like you have a good grasp already.

VOO and chill is for boomers. 50% CIFR 50% ONDS

Roth mostly in SMH, 401k in VOO

VTI and VOO are redundant for the most part. Pick one unless youll trigger a large taxable event to move one to the other. But moving forward id just pick one of those to contribute to in a taxable. They are very similar in terms of their returns and their holdings. I would focus funds into VOO/VTI and QQQM at your age (im close to same age) and ignore SCHD for a few more decades.

Yep. And now you're finally going to go all in on VOO due to USD fear mongering, and we're finally going to crash 20%. This is why they tell people to DCA, you won't win otherwise.