VOO
Vanguard S&P 500 ETF
stock NYSE ETF

Currently, 50% of my portfolio is in SPY/VOO and 20% in VXUS.
I like to keep 10% for individual stocks I mostly already own and just plan to hold until my feelings change.
I also keep 10% of my total portfolio in a target date fund, but this will increase over time reducing my SPY exposure most likely.
This leaves me with about 10% of my portfolio I am a bit stuck with. I really like the idea of exposure to small and mid caps, for the next decade or so. I also wouldn’t mind investing in something more growth oriented given my timeline. FYI- I’m 27 years old and save/invest 40% of my income so I expect to continually add to my portfolio through 401, Roth, and brokerage.
Would love to hear others thoughts on where this last 10% should go? IWB, VUG, QQQ?
Would just love to hear others opinions!

Right now my personal Roth is 65% VOO , 10% VXUS/VO/VB, and last 5% is Schd. Just so I don’t get voted off the island.

In VOO. Currently have $13,380.56 invested my yield is 1.61%
In VNQ. Currently have $3,269.54 invested my yield is 3.84%

Ugh. For my TDA account, my VOO dividend showed up at 2:35 am EST this morning. It still doesn't show in my Schwab account.

Add into the etf VOO every month, don’t make it complicated.

I hold VOO/SCHD currently as well. From all the research I’ve done it’s a good mix of Growth and dividends and you’re diversified.
I have it as 60% VOO and 40% SCHD. It’s up to you, but in my opinion I think you would benefit more doing a 70/30 allocation VOO/SCHD and as you build up the foundation.
People tend to allocate towards dividend paying funds as they get closer to retirement or their goals. So that’s something to look into later in life as well.

If it is in cash now, but at least 1 share of whatever the equivalent of VOO is that is available to you. As time goes on, decide if you want to put more into stocks or not.

tldr; 23 years old - 50/50 chance I make it to retirement age due to medical conditions. Not sure if I should still focus mostly on my Roth or contribute evenly between Roth / individual account.
Currently my roth is 80% VTI / 20% VXUS. I recently opened an individual account where I have some SCHD & VOO and planned on adding more dividend stocks in the future (REITs / BDCs / some higher yielders way down the line).
My current dilemma is whether I should still try to add more to my Roth IRA or keep an even split, some thoughts on my current holdings would be appreciated as well.

About to finally open a Roth IRA on fidelity. I’m 35, and have no idea what to buy in the account. I’m going to put a few thousand initially when I open it. I see ppl talking about ETFs like VOO and VTI but also see ppl talking Fidelity holdings like FSKAK I think it’s called. What’s a good one for my age that I can set it and forget it

i bought SCHD and VOO because i like them but also in the dividends section on fidelity it shows the yearly dividend income for those. for FZROX it doesn’t show it clearly if that makes sense.. but everyone seems to be saying just buy FZROX so i will do that. what if i just leave voo and schd in my roth? when i get close to retirement is that bad that i have those in there?

A growth fund does pay dividends and you also earn money with price appreciation not just selling a fund high.
Growth/tech ETFs for example
VUG, VOO, VGT, QQQ(M) for the popular ones.

You already have a lot of diversification dude. My Roth is purely VOO and chill. I'm thinking about starting to add some VTI. I'm mostly commenting here too see other people's opinions but to me you're looking pretty solid already!
Are thinking about adding a certain sector or looking for even wider spread of cash?

I use the morning window and seem to get fills just fine. I don't pay for the higher-end version of M1 so I don't have the afternoon window. Sometimes things are cheaper in the morning than the afternoon, so I don't really see an advantage to either one. I'm telling you though.....ALL of my fills on VOO have been very fair. I think it all depends on what you're buying.

**Scenario:**
**Imagine I go to interactive brokers with $4000 CAD per month.** I **want them to convert it to USD first. Then, I want them to invest it into VOO.** I want to know how much I'd be spending to do so on the fixed plan, in addition to the expense ratio of VOO per month, and any additional costs like inactivity fee and withdrawal fees.
**Costs Per Month:**
Currency Conversion fee: $2.00 USD
* Assuming a 0.002% conversion fee with a minimum charge of $2 per month when converting CAD to USD with IBKR, I would pay a minimum of $2 for the currency conversion.
Trading Commission Fee: $1.00 USD
* With the IBKR fixed plan, the trading fee is $0.005 per share, with a minimum of $1.00 per order. Assuming I buy VOO at $400 per share, I would pay a trading fee of $1.00.
Expense ratio: $0.25USD
* The expense ratio for VOO is 0.03%, which means that for every $4,000 CAD I invest, I would pay $1.20 per year, or $0.10 per month.
Account Inactivity/Maintenance Fees: $10.00 USD
* Charged if the account is only trading once a month or has less than $100k USD.
**Total Costs Per Month for Investing:** $11.45 USD ($15.54 CAD)
**Total Costs Per Year for Investing:** $137.4 USD ($186.48 CAD)
**Is this correct?**

Hello I’m trying to get a full understanding of a dividend fund vs. a growth fund and their similarities/differences and main advantages/disadvantages.
From what I previously understood (which was wrong) you receive dividends from a dividend fund and not a growth fund. The way you would earn your money from a growth fund is buying a share at a certain price and then selling it later at a price that is hopefully higher and your profit is the difference between the two.
However I was looking at VOO and saw that it also pays dividends and from what I understand it’s classified as a growth fund. I currently have SCHD and was thinking about getting into VOO as well but I’m confused with the difference between the two (apart from tracking different indexes)
What classifies a dividend fund as a dividend fund and a growth fund as a growth fund if they both pay dividends? Am I just missing something obvious or is it that they both pay dividends but a dividend fund would pay a higher dividend per share?

VTI and VOO are not comparable to JEPI.
JEPI = Income
VTI/VOO = Growth
With JEPI you are trade growth for income so pick depending on your needs/goals.

>sell all of these (since this a Roth IRA you don’t have to worry about taxes of anything) 2) wait a couple days for roughly 6k worth of cash to settle into SPAXX
They'd only have to do this for VOO and SCHD. The others can be exchanged directly (SPAXX already counts as cash).
>4) go to “More Features” and then select Dividend reinvestments so that whatever dividends you receive from the Total US stock market fund, it will automatically reinvest it back into the security so you will have even more shares every quarter
I thought this was already the default at Fidelity, at least in IRAs.
Also FSKAX only distributes 2x a year and FZROX once a year. But don't worry, the fund is internally reinvesting for you between fund level distributions, so your account value isn't affected.

Now what if you wanna do the opposite? Back when I didn’t have enough to meet the initial minimum for a mutual fund so I started with ETFs. At Keats with an mutual fund I can buy a portion of a share instead of one whole etf that would cost me for example VOO at $360.

Putting everything in VOO until Volatility returns

For a data point, I received my VTI dividends yesterday . VOO should be dropping tomorrow or the day after.
One time last year VOO dividends were like a week late for me. They eventually came. For dividend reinvestments, Schwab takes a day or two longer and has a weird process of first depositing the dividend in your account as untouchable cash and then reinvesting it a day or two later.