Investing General Discussion

Sludig

Sludig

Potato del Grande
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Lightning Lord Rule said:
Because someone thought they were dealing with people sophisticated enough to understand that a triple leveraged ETF and it's opposite short ETF is obviously not what you should seriously be long term investing in, based upon the context of the exchange.

Now you compound the stupidity on display here by acting butthurt about it? Get a grip.
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Which would not be me, hence taking his word for it, because I can't remember from the last time I spent a few weeks watching the thread a year ago. I'm happy w/ my just mostly S&P500. This is for just maxing yearly contributions. Without input she wanted to split it between SP500 and one of the targeted date funds, but I've always from watching a few for a few years when I first got any retirement investments felt like they mixed in a lot of really dumb shit, at least thru my companies plan provider.

And to be fair the stock shitposting thread is yknow seperate. Not everyone is up on everything, my dad is in the 3million net worth range from being a .gov contracts electrical engineer, but couldn't decipher things like if his wife drawing on his ssa would reduce his etc. Though that's a extreme case of myopic knowledge base, I try to dabble all over the forum but understanding much of the investment game beyond invest and hold and even beginning to dabble in shorts etc is over my head.
 
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Sludig

Sludig

Potato del Grande
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Synj said:
Technically it's 3 on one (3x leverage and 3x short).

No one is recommending these funds.

Also, we're talking about $500.

Look up the holdings from these and decide what fits her risk profile and portfolio.

Portfolio jobCommon choices
U.S. core (S&P 500)VOO or VTI
Nasdaq 100QQQ
Entire world in one fundVT
International diversificationVXUS
Growth tiltVUG
Value tiltVTV
Small-cap tiltVB or VTWO
Dividend strategyVIG, VYM or VYMI
Technology tiltVGT
Real estate tiltVNQ
SemiconductorsSMH/SOXX
S&P MomentumSPMO
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Only tiny point, dont think $500 was ever mentioned. I mentioned other than S&P 500 index.
 
Synj

Synj

Dystopian Dreamer
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Sludig said:
Only tiny point, dont think $500 was ever mentioned. I mentioned other than S&P 500 index.
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Sludig said:
I forget what's the other etf that was recommended here a lot besides s&p 500, wife wants something other only 500 to be plonking into
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I misread the last part as only $500 to be plonking into.

I’m not a fan of target funds as they lean far too conservative for me but that’s me. I don’t care for bonds and shit.

The question still remains though, what is your wife’s goal of not wanting more S&P 500? Does she want more international exposure? Then maybe make a 5-10% allocation to VXUS.

Want something not so heavily concentrated in the Mag7/Tech? Maybe VTV or SCHD.

Want more tech? VGT/SMH/DRAM.

The point I was trying to make to asshole was that it’s hard to give a suggestion without more info and without knowing your wife’s allocation/risk tolerance and/or what sectors your wife favors. VOO/QQQ are going to have heavy overlap and concentration (Nvidia, Microsoft, Apple, etc) meaning you could be double dipping. That’s not necessarily a bad thing but you just have to do some research on what you’re buying.

I would check out stockanalysis.com and use the etf comparison tool to look at recent performance of the funds I listed above and allocate to your preferred sectors/risk. Some people might do something like 33/33/33 VOO/VUG/SCHD (SP500/Growth/Dividend). Others might go 100% VT (total world index) and call it a day.

I personally like VOO/SPMO/VXUS 50/15/10 and then the rest in BTC, SMH, WQTM, NVDA, single stocks 5/5/5/5/5. I’m heavily concentrated in tech and NVDA but I’m okay with that. It will depend heavily what you and your wife are comfortable with.
 
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