VOO
Vanguard S&P 500 ETF
stock NYSE ETF

The irony is that the S&P is in a better place now points wise than it was on Jan 2nd.
I think in Europe it's always been pushed that wn All-World should be the case but I still think people in the US bang on a out their precious VOO or SPY a lot.
I'm still 100% in S&P, personally.

I'm sure most hedgies would be better off going with VOO, according to Reddit.

You’re in a good position, but the real question is how much of that $80K you need to be liquid for true emergencies or major opportunities. If you have no big purchases planned for at least a year and already have a 6-month+ emergency fund carved out, you’re sitting on a lot of underperforming cash.
Consider a split approach:
• Keep 6–12 months of living expenses in the HYSA for peace of mind.
• Move the rest into a brokerage account, but keep it in low-volatility, income-generating assets like short-term bond ETFs or money market funds if you’re worried about needing it in under 2 years.
• If your timeline extends past 2–3 years, you could get more aggressive with index funds like VOO or QQQ and let compound interest work.
Inflation is quietly eating your HYSA balance. The key is balancing mental comfort with financial optimization. Ask yourself: ‘If the market dipped 20% tomorrow, would I panic or stay the course?’ Your answer tells you exactly how much to move.

Thank you, I will think a bit more about your suggestion. As for the diversification and inclusivity part, based on my understanding about VOO and VTI, I find that VOO is essentially 87% of VTI by weight, which leaves only 13% of weight for small/mid-caps. Even if I keep 70% VTI, I'm only allocating 9% leverage to small/mid-caps. I don't think that's enough to call it a "diversified" portfolio. That's why I decided to keep them separate (VOO+AVUV instead of VTI) to diversify better and be inclusive in a stricter sense with 50% VOO and 20% AVUV to have a sizeable mark from the small/mid-caps. I will consider trimming SCHG and sector ETFs for sure based on your advice.

You're up a bunch if still holding...please put it all into VOO, you'll get like 10000 a month for free doing nothing 😭
Wild bro

Lets ask reddit instead of a certified financial advisor... advice : VOO and chill.. add as much as you can.. check back in a few decades....youll beat 90%+ of any advice from a financial advisor..etc

Good for you starting to save for retirement at a young age!
1) Since your company offers matching funds, focus on contributing up to whatever their cap is. That’s free money.
2) If you want to save more than that, open a Roth IRA and contribute the max each year to it.
3) Build your portfolio around low-cost broad market index funds first, like SCHG or VOO. I would suggest 90% of your portfolio in funds, and 10% you can “play” with individual stocks.

its not stupid.....but you could do a 50/50 split of like QQQM and VTI/VOO

I don't think this is true? In the past 10 years VOO has outperformed VTI slightly. If you look at the stock market since it's inception VTI has outperformed VOO, sure. I go with ITOT (VTI equivalent in Fidelity) for more diversification but VOO seems like it outperforms slightly recently.

At least he could laugh ab it -50k id don’t think I could laugh … that in VOO in 10 years would be several mill

What is your timeframe? Unless you're retiring in\~10 years, the super power of a Roth is that you don't pay taxes on any gains, so the general advice is load up on the assets with the highest potential for gains. On this sub, that is a broad index tracker where you choose whether you want international (VT) or US focused (VOO). You can hold cash outside the limited amount that can go in your Roth.

You can only emulate Buffet if you are as good as he is at deploying that cash when the time comes. And since we don’t know your name, you probably aren’t. Yer buyin’ VOO with the rest of us, pal.

You won't, you need more money for proper R:R. Use a SL and never widen it, only narrow it. Learn the greeks if you wanna trade options. The general rule is never risk more than 1-2% of your account on a single position, I am usually closer to 5% but never more.
Just buy SCHG, its a lower price than VOO/SPY but performs similar.
Paper Trade until you figure out a system that works for you. There are plenty of resources on the internet to learn from but you cannot copy paste their strategy, you have to make it your own strategy.

I've been curious to try the gamble because it is more fun than lottery tickets (and yes, I wouldn't label it "investing")
In my country we don't have capital gains tax (to a threshold), so I cannot do this as if I get labeled a day trader I cannot let my "VOO and chill" do it's thing

That's a lot of overlap. Why have VGT and QQQ both? Is there a need to have both? And why have VOO instead of VTI? You have no mid or small caps.

1031 into any of a thousand DSTs, Delaware Statutory Trusts, can be residential/multi-family/retail/industrial/trailer park/storage etc So you don't have to pay any tax, then repeat every 5-10 years, then die and pass to heir with a step up in basis, again never pay any tax and have the principal grow
or VOO - has done 13.47% a year x last 10 yrs until 12/31/24, at only 9.2% that 400k in 50 years will be 40million

Probably worse than 100% VOO

What’s your position in vanguard? I don’t have one in VOO but I have a large position in VTI since 2004 when I started working. While I do own GME and hold my shares it’s not my only position. I am very well diversified and I am in GME because I like it. Everyone on here automatically assumes I’m 100% GME. Not even close. GME is about 6% of my entire portfolio. Im amused at all these attacks. What’s the goal? To make me cry? It might work, keep trying .

Just recently, 2025, I bought all three SPY, VOO, and FXAIX. Do not know why really, but FXAIX was very strongly the laggard. VOO was a tiny bit better than SPY. Of course, this has been an unsettled time.

SPX if you have a big account. SPY for the rest of us. Weird that VOO tracks the same index but everyone seems to trade spy.