VOO
Vanguard S&P 500 ETF
stock NYSE ETF

VOO is better in a taxable account. Mutual funds have cap gains, can’t be avoided, ETF is more tax efficient.
Doesn’t make difference with Roth or trad Ira.
Mutual funds used to be the only way to do fractional auto buys, but Fidelity supports fractionals for stock and ETF. You can even have the auto buy pulled directly from bank account (don’t have to pre fund, super convenient).

I can't speak on VFIAX since I don't know much besides it looking like a sp500 fund, but in terms of risk from lowest to highest: FFIX < VT < VOO with VOO having the highest risk. Though with you being 26 it's fine. You can think of VOO as a smaller and riskier VTI.

If that target date fund is your correct year stock that , it’s the standard diversified portfolio , just VOO/sp500 is fine but it’s recommended to have international as well , and your missing out on small caps too. I would stay with that . If you do want to just do sp500 , do FXAIX it’s cheaper than VOO

Now for me being 26, is FFIJX the lowest risk out of them? If VOO or VT or VFIAX performs better I think I would choose those?

They’re basically the same thing. VOO is the ETF version and VFIAX is the mutual fund version. I don’t think you can buy VFIAX at Fidelity, though (or at least without a fee).
I would probably pick VT instead of VOO because of the international exposure.

Buy $SPY or $VOO, every time you get a chance.
Don’t expect to use the money for 5 years.

>I’m not looking to do anything crazy just a moderately aggressive portfolio.
With 20% in SCHD and BND I would say it is a pretty conservative portfolio for a 34-year-old, but maybe that's what you are comfortable with.
I'd like you to scroll down to "Growth of $10,000" in this link https://totalrealreturns.com/n/QQQ,VOO,SCHD,BND and with that in mind consider the opportunity cost of your portfolio over the next 31 years:
>Opportunity cost is the value of what you lose when you choose from two or more alternatives. It’s a core concept for both investing and life in general. When you invest, opportunity cost can be defined as the amount of money you might not earn by purchasing one asset instead of another.
>“Opportunity costs means “What else could I have done with my money?” and “Am I properly allocating my capital?” says Adem Selita, chief executive officer at The Debt Relief Company in New York, N.Y.
>Here’s another way to think about opportunity cost, from legendary value investor, Warren Buffett. **“The real cost of any purchase isn’t the actual dollar cost. Rather, it’s the opportunity cost—the value of the investment you didn’t make, because you used your funds to buy something else.”**

There's a difference between "I sold because I feel like an ETF is overvalued" and "If you buy you're a complete idiot because it's so obvious that there's a 90% crash coming, even \[analyst who got something right once, said it\]", this isn't even hyperbole. People have been acting like something such as VOO is a shitcoin.

So I’m starting from Zero, snd plan on investing $15/day into a Roth IRA, so I can retire in 31 years.
I’m thinking of investing in
40% VOO
15% QQQM
15% VXUS
10% SCHD
10% BND
10% Individual Stock
How does this balance look long term?
I’m thinking that BND/SCHD will give me good foundation to make up for the crazy swings from tech.
QQQM/VOO obvious tech S & P 500, and etc
VXUS since they been doing better then US in 2025.
I’m not looking to do anything crazy just a moderately aggressive portfolio.
Eventually I plan on maxing out my ROTH IRA but right now this is all I can do.

Sell 60-70% and put 65% in VTI/VOO 10% in whatever emerging market find you see fit. ( Hedge money ) 25% in VSUX is probably what I would do VTI VOO are heavy with the top tech VSUX will underperform it but gives you broader exposure to stability in a downturn and emerging markets tend to do pretty well in slower economic growth times.

Dpnt you know how market weight etfs work? Its the same as VOO its literally supposed to weight more bigger companies...

Yup, majority of my portfolio is VOO. I have a little SCHD and a little less SCHG. I could probably be more aggressive but for my first year of investing I like seeing + $600 YTD…pretty cool honestly.

I should of prefaced with a disclaimer that I wasn’t making the statement within the realm of being a boglehead but more of a 😬 feeling. I’ve been DCA every month for the past 15 years into broad market etfs. I want to make a lump sum investment into VOO but after looking up the current price it doesn’t feel too good haha

You got it. Buy VOO auto amount on a weekly basis. Then work to increase that weekly. Compare that weekly to your bills, and try to beat every bill close to that weekly amount.
The less you spend and the more you auto invest, the better you will be!
And always be prepared for pullbacks. Manage emotions. Best of luck!!

You still own 500 individual stocks with VOO. It's identical to buying them individually, just a TON easier, and distributes the risk so you're not so exposed to a single stock tanking.

This and only this. QQQ, VOO, SPY, XLV(for some of that medical diversification), ARKK and pick some dividends. Let know if I miss any other good ones.

SCHD SCHY SCHB all equal split DCA over 2 years would be my go if it has to be all stock 300k just my opinion not advice and those ETFs are not absolute and interchangeable VOO VYM VYMI or SPY DIA VEA and so on so forth

VOO and call it a day.

VOO and forget

Thats not how an inclusion works. Various funds (SPY, VOO ... etc) that track the S&P 500 are FORCED to buy CVNA stock to match their required allocation. And whats worse is the shares they buy get locked away and are not actively traded, meaning its a massive demand event that sucks out the supply and locks it up. Causing the remaining supply of shares to need higher and higher prices to be unlocked.