Investing General Discussion

Sludig

Sludig

Potato del Grande
11,855
12,876
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.
Click to expand...
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.
 
Last edited:
  • 1Like
Reactions: 1 user
Sludig

Sludig

Potato del Grande
11,855
12,876
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
Click to expand...
Only tiny point, dont think $500 was ever mentioned. I mentioned other than S&P 500 index.
 
Synj

Synj

Dystopian Dreamer
<Gold Donor>
8,859
40,317
Sludig said:
Only tiny point, dont think $500 was ever mentioned. I mentioned other than S&P 500 index.
Click to expand...
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
Click to expand...
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.
 
Sludig

Sludig

Potato del Grande
11,855
12,876
Synj said:
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.
Click to expand...
More like is even more removed than me from the scene and I think she just thinks just sp500 is too easy/simple. She did start a fidelity account she's been throwing some pocket change into a few hundred here and there on top of maxing her work plan. I would get her on a few individual stocks but I'm not sure she's bold enough for that. Chances are she'll just stick to the 500 unless something catches her eye. Stuff like VOO are what I think I recall seeing posted before. I'd even be hesitant to go Nvidea because while time in > timing etc, still feel like they are due a possible crashout depending how things go (or could keep going to the moon) So I'm almost as indecisive as her. Basically we are that step in between people with no retirement investments, and people that actively manage one.

If it was me, I'd certainly be looking at not tech heavy since sp500 seems to be dominated by that right now.
 
Synj

Synj

Dystopian Dreamer
<Gold Donor>
8,859
40,317
Sludig said:
More like is even more removed than me from the scene and I think she just thinks just sp500 is too easy/simple. She did start a fidelity account she's been throwing some pocket change into a few hundred here and there on top of maxing her work plan. I would get her on a few individual stocks but I'm not sure she's bold enough for that. Chances are she'll just stick to the 500 unless something catches her eye. Stuff like VOO are what I think I recall seeing posted before. I'd even be hesitant to go Nvidea because while time in > timing etc, still feel like they are due a possible crashout depending how things go (or could keep going to the moon) So I'm almost as indecisive as her. Basically we are that step in between people with no retirement investments, and people that actively manage one.

If it was me, I'd certainly be looking at not tech heavy since sp500 seems to be dominated by that right now.
Click to expand...
VOO is the SP500.

VTI is the total US market. More diversified but still largely dominated by US tech.

VT is the total world index.

10 year returns:

1782535676643.jpeg


You'll notice that the top holdings for these funds are almost identical because right now the US market is the global market.

These funds mirror the index based on the weight (market value) of each company in them.

VOO
1782535862371.png


VTI
1782535810349.png


VT
1782535760099.png

But then you have other funds like VTV which is a Value ETF and you'll see the holdings/sector/returns are much different (although many of these will also show up in the SP500 but a smaller concentrations).

VOO vs VTV 10 year:
1782536001172.jpeg


VTV
1782536086977.png
I recommend choosing an ETF based on a sector that you believe in and determine what your runway is. If you believe the US economy will be the driving economic force over the next 10-15 years then go VOO/VTI and call it a day. If you think technology will be dominant for the next 5-10 maybe add VGT/SMH. If you think the market is more likely to rotate to value companies like health care/energy/retail/real estate, find some ETFs that match those convictions.
 
Synj

Synj

Dystopian Dreamer
<Gold Donor>
8,859
40,317
Sludig said:
More like is even more removed than me from the scene and I think she just thinks just sp500 is too easy/simple. She did start a fidelity account she's been throwing some pocket change into a few hundred here and there on top of maxing her work plan. I would get her on a few individual stocks but I'm not sure she's bold enough for that. Chances are she'll just stick to the 500 unless something catches her eye. Stuff like VOO are what I think I recall seeing posted before. I'd even be hesitant to go Nvidea because while time in > timing etc, still feel like they are due a possible crashout depending how things go (or could keep going to the moon) So I'm almost as indecisive as her. Basically we are that step in between people with no retirement investments, and people that actively manage one.

If it was me, I'd certainly be looking at not tech heavy since sp500 seems to be dominated by that right now.
Click to expand...
Honestly, the more I think about it, don't get fancy, just VOO and chill.

80% VOO 10% QQQ/VGT and 10% VXUS.
Heavily weighted to US and tech with 10% international.

If that's too aggressive: 60% VOO 20% VTV/SCHD/VYM 10% QQQ/VGT 10% VXUS.
Add in more defensive/dividend funds but still heavily US and tech.

I'll let others chime in (other than Khane Khane , he can go fuck himself).
 
  • 1Like
Reactions: 1 user
Sludig

Sludig

Potato del Grande
11,855
12,876
Synj said:
Honestly, the more I think about it, don't get fancy, just VOO and chill.

80% VOO 10% QQQ/VGT and 10% VXUS.
Heavily weighted to US and tech with 10% international.

If that's too aggressive: 60% VOO 20% VTV/SCHD/VYM 10% QQQ/VGT 10% VXUS.
Add in more defensive/dividend funds but still heavily US and tech.

I'll let others chime in (other than Khane Khane , he can go fuck himself).
Click to expand...
Voo send like such an odd ticker for what it is? Unlike say msft that makes intuitive sense. I guess forget complicated that in many of the jobs 401ks I've been in you couldn't just go straight into voo, you had to use the vanguard or whatever it was brands version of SP500 index vs I guess if you just popped open fidelity in a non retirement account.
 
Synj

Synj

Dystopian Dreamer
<Gold Donor>
8,859
40,317
Sludig said:
Voo send like such an odd ticker for what it is? Unlike say msft that makes intuitive sense. I guess forget complicated that in many of the jobs 401ks I've been in you couldn't just go straight into voo, you had to use the vanguard or whatever it was brands version of SP500 index vs I guess if you just popped open fidelity in a non retirement account.
Click to expand...
VOO is the Vanguard S&P500 (V Roman numeral for 5 and 00, pretty clever really).

Most 401ks limit you to mutual fund versions such as VFIAX (Vanguard 500 Index Fund Admiral Shares) which is the exact same thing but in a mutual fund. Fidelity has their own version as well (FXAIX). A lot of them are the same holdings.
 
You must log in or register to reply here.