VOO
Vanguard S&P 500 ETF
stock NYSE ETF

Hello! I would like to get your suggestions on my planned portfolio which i would be funding by DCA method. My initial plan is VOO, VXF, and VXUS or should I just go opposite and do VTI, VEA, and VWO? I’m separating emerging from developed markets because I’ve read that there’s less risk? Sorry I’m fairly new to this, so it would be really great to get your ideas. Thank you so much.

VOO and no chill

Just slowly sell 75% of it over a few years and push it into VOO/QQQ

Just fully vest it. Time in the market is more important than timing the market. And boggle heads would say to not try to time the market anyway. Just throw it into SPY or VOO. And let it ride.

I did my own research and decided to be all in on SCHD in my individual account tbh. Just recently found out my 401k plan has the vanguard S&P500 institutional shares so I get it at a 0.0104 expense ratio rather than VOO and having a 0.03 expense ratio. Decided to go all in on my 401k in that and now starting my dividend investing this month with 90 shares in schd

What's the difference of using this compared to S&P500 with a emergency fund? Let's say for your situation, 40k VOO and 10k VUSXX.

I started planning for proper tailored investment (so far used pre-made bank funds, but they are crazy expensive):

**Growth portfolio**: VOO (50%), VTV (7%), BIV (6%), VXUS (13%), GOOG (7%), NVDA (4%), PYPL (6%), IBIT (3%)
**Dividend portfolio**: VYM, HDV, SCHD, SPYI, VIG, KO
While I like the setup of the growth portfolio, I would like to have some suggestions about the dividend composition. I am in my mid 40s and all dividends will be reinvested. The idea is to build this portfolio (with more allocation in the next 10 years) to provide some passive income. I am based in Switzerland where capital gain is not taxed and dividends are taxed 15% but I can ta
Since I do not need current liquidity I was thinking to **remove HDV and VYM** (providing current high yield, rather than a historical dividend growth) and **focus on SCHD and VIG**. Maybe adding VYMI for some international component.

Once I am confident with the portfolio setup I would keep investing around 3K-8K/Month regularly. My goal would be to not have to constantly keep monitoring the charts, but rather buy and hold the setup, once established.

If you’re just starting out, look into dollar-cost averaging into broad market ETFs like VOO or SPY while you learn the basics. Apps like Moomoo are beginner-friendly and offer solid research tools, news, and even paper trading if you want to practice first. Worth checking out.

Consistently investing $50 a week will build a significant portfolio over time thanks to the power of compounding, so your discipline is the most important factor. For diversification with a small amount, a broad-market ETF like VOO or SCHD is an excellent choice, allowing you to own hundreds of companies with a single purchase.

The MAG7 is the market, so yes, buying them will likely give better returns for the foreseeable future. Big question here is - will they continue to be the market for the next 10, 20, 30 years? If you believe there's a possibility of them or US being replaced, VOO or some sort of world index is the next best bet for long term investing.

What percentage of your portfolio does Amazon comprise?
If it's significant compared to your 401k and other investments, maybe consider a rebalance.
But don't try predict which stock is going to go up more.
Remember you already have a TON of exposure to the rest of the MAG7 through VOO.
If you're doing a rebalance. You could even consider diversifying out of the S&P500 a bit if you think it might be overvalued.

you’re ahead of 99% of ppl your age - no clowning here
first move: ditch the banker. you don’t need middlemen eating fees for stuff like VT, SPY, or VOO. those are solid ETFs, all passive, all good picks. if you want to keep it dumb simple: pick one, automate monthly contributions, and stop touching it. SPY and VOO are basically the same thing (S&P 500). VT adds international, which has underperformed lately but gives global exposure.
don’t chase hot stocks
don’t time the market
don’t stop investing when things get ugly
your edge is time and consistency, not clever trades
[The NoFluffWisdom Newsletter](https://NoFluffWisdom.com/Subscribe) has some sharp takes on discipline and long-game finance - worth a peek!

Sorry if my OP was unclear. I only own Amazon through my employee vests. My personal investments are into ETFs which is almost completely VOO.

This is my life savings as a 25 year old. I could secure my retirement by chucking it into VOO right now and waiting until 65...but what's the fun in that?
HOMELESS OR LAMBORGHINI, LADY LUCK HAVE MERCY ON MY SOUL 🚀

It's very hard to say. It depends on your spending habits/needs. Do you have a budget? Do you know what your monthly/annual nut is? For me, I know that I need $2500 per month to cover all of my expenses. (My wife makes a LOT more money than I do, and we split the expenses unevenly. Her share is more like $5000 per month.). But that's just surviving, not really living. An extra $500 to $1000 a month makes living much nicer, y'know?
Right now, you've got about $300K invested, right? And that $300K is spinning off $20K per year in dividends, for an average return of 6.7%. That's great; that's a good, sustainable return. And you said that you're going to move some of your VOO into higher yielding ETFs, so you'll bump that average up a bit. So let's make a few assumptions.
Let's say that you're able to keep investing over the next 8 years, and that you're able to double your investments up to $600K. And let's assume that you bump your yield up to, let's say, 8% on average. That's $48K per year. Does that meet your budget?
So, to help you answer the question yourself, I'll point you to the "Retire This Way with $500K" channel on Youtube. She's great - she explains things really well and breaks it all down. However, you may look at her lifestyle and decide that she's living a little too frugally for your tastes.
All I can say is how much I think we need for the two of us. I'm approaching 60, and we're just at seven figures. I think that much would be enough to be fine if I were to retire right now. But I don't mind working - at least part-time, anyway. And the longer I/we work, the more we'll have, the less we'll need, the less we'll have to spend as a bridge between now and the time we'll start collecting from SS.
There are a lot of moving parts in play, and you've gotta do some of the legwork yourself to get yourself some answers. Start with that budget, and include **everythin**g. Be very honest with yourself.

I'd put it in VOO myself. Diversification is my jam.

Sounds like you've got the gist of it.
Not all, but many, Bogleheads would encourage you to add exposure to international stocks, too. The analogues are: FZILX and VXUS.
Note that FXAIX, FNILX, FZILX, and FZROX are mutual funds ("MFs"), whereas VOO, VTI, and VXUS are exchange-traded funds ("ETFs"). In my opinion, the difference between MFs and ETFs is overhyped, but if you're investing in a taxable brokerage account (as opposed to a tax-protected retirement account such as an IRA), then the consensus recommendation is generally to use ETFs rather than MFs.
Also, note that any of the Fidelity "zero" funds (FNILX, FZROX, and FZILX) are MFs at Fidelity. That just means that you can't buy them at any other brokerage. Again, in my opinion, this nuance is probably overhyped, but the consensus recommendation is generally to only use proprietary funds like these in tax-protected accounts. The logic is, if you ever decided you wanted to move your assets to a different brokerage, such as Vanguard, then it would be easy to do so if your Fidelity proprietary MFs are in a tax-protected account, because you can simply sell them there without incurring taxes, and then transfer the cash from your Fidelity IRA to your Vanguard IRA. However, if you own the proprietary MFs inside of a taxable Fidelity account, you would have to sell and realize a taxable gain before you could move your assets to a taxable Vanguard account.
TL;DR: Mutual funds, including the Fidelity proprietary "Zero" mutual funds, are great inside of a tax-protected account like an IRA, but most people would recommend exchange-traded funds like VOO, VTI, and VXUS if you need to buy funds inside a taxable brokerage account.
I'll let others weigh in on the S&P 500-vs-home-appreciation question, but my understanding is that homeownership is probably best thought of as a lifestyle decision rather than an investment decision.

**Your own response**
“If you’re talking straight profit…of course VOO always outperforms SCHD”
Turning replies off as mental gymnastics seems to be your niche

I had some of the mutual funds in my kids account who is 10 so I did the same moved to VOO and VTI and bought a few tech stocks

Any benefit of having VOO over SWPPX?