Investing General Discussion

Sludig · 2026-06-26T23:18:36-0400

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.

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.

Sludig · 2026-06-26T23:25:13-0400

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 job Common choices
U.S. core (S&P 500) VOO or VTI
Nasdaq 100 QQQ
Entire world in one fund VT
International diversification VXUS
Growth tilt VUG
Value tilt VTV
Small-cap tilt VB or VTWO
Dividend strategy VIG, VYM or VYMI
Technology tilt VGT
Real estate tilt VNQ
Semiconductors SMH/SOXX
S&P Momentum SPMO

Only tiny point, dont think $500 was ever mentioned. I mentioned other than S&P 500 index.

Synj · 2026-06-27T00:24:44-0400

Sludig said:
Only tiny point, dont think $500 was ever mentioned. I mentioned other than S&P 500 index.

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

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 · 2026-06-27T00:35:08-0400

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.

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 · 2026-06-27T01:09:48-0400

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.

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:

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

VTI

VT

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:

VTV

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 · 2026-06-27T01:23:52-0400

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.

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 , he can go fuck himself).

Sludig · 2026-06-27T01:27:22-0400

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 , he can go fuck himself).

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 · 2026-06-27T01:32:45-0400

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.

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.

Kithani · 2026-06-27T09:16:20-0400

Khane said:
This is exactly the kind of shit that does NOT belong in this section of the forums. I love that you have the audacity to call me sanctimonious though, with this horseshit self righteous reply.

@Cad you're really the only active mod that I think might clean this shit up.

You realize you’re not in the Grow Up section right?

Sludig your wife wants to VTI and chill now post her boobies in exchange

Gravel · 2026-06-27T09:55:39-0400

Synj said:
In fairness, asking where to put $500 with no other context is not a serious question.

$500 will get you:

2.5 shares NVDA or
1.5 shares of MSFT or
5 shares of NOW or
40 shares of NOK or
.75 shares of SMH or
3 shares of SPMO or
17 shares of SCHD

We have zero context of portfolio size, allocations, risk etc. What serious advice could we be expected to give there?

I'd argue dollar amount matters very little, and kind of goes hand in hand with the idea that people expect investing to be difficult and giving them an easy answer frustrates them.

Outside of brokerage minimums, the difference between a portfolio with $10k and $1m seems mostly irrelevant in my opinion. It's really only the super wealthy that probably want to diversify into crazy shit that most people wouldn't be interested in.

Synj · 2026-06-27T11:24:46-0400

Gravel said:
I'd argue dollar amount matters very little, and kind of goes hand in hand with the idea that people expect investing to be difficult and giving them an easy answer frustrates them.

Outside of brokerage minimums, the difference between a portfolio with $10k and $1m seems mostly irrelevant in my opinion. It's really only the super wealthy that probably want to diversify into crazy shit that most people wouldn't be interested in.

The easy answer is VOO.

But

Sludig said his wife doesn’t want more SP500 without context as to why: portfolio diversification, growth, risk, etc.

I agree with you that a $10k portfolio and a $1M portfolio allocation could very easily be 80/20 VTI/VXUS and work out very well for most people. Easy.

I disagree that dollar amounts don’t matter.

Dollar amount changes what is practical. A $10k investor trying to build a $500/month income stream might be making a mistake; they need to grow capital.

A $1M investor can comfortably carve out $200k for income, $700k for growth, and $100k for opportunistic investments. Those are completely different portfolio construction problems.

So when someone comes in and says: “Hey, what’s a good etf that’s not the S&P 500,” my reply is likely going to be a joke (which it was), and then to ask more questions and provide whatever insight I can (like I did).

At the end of the day, investing is personal, and I’m not a financial advisor, and getting investing advice from here is buyer beware no matter the intention of the people here or not.

But I’ll be damned if

Khane is going to shame me into not making a fucking obvious joke. Fucking pearl clutcher.

Flobee · 2026-06-27T12:00:08-0400

I think folks are missing the point here. This thread has traditionally not been a place where any sort of trolling was acceptable. I'm neither saying that the joke was too much, nor the reaction reasonable, but the point is that this thread is supposed to be taken seriously. Seems that the two main guys enforcing that are MIA these days so I guess do whatever you want.

Furry · 2026-06-27T12:06:37-0400

Flobee said:
I think folks are missing the point here. This thread has traditionally not been a place where any sort of trolling was acceptable. I'm neither saying that the joke was too much, nor the reaction reasonable, but the point is that this thread is supposed to be taken seriously. Seems that the two main guys enforcing that are MIA these days so I guess do whatever you want.

I'll be honest, sludig's post was almost as unreadable as drunk fanaskin posting at 10am in the pol thread. It's hard to give someone a serious answer when you aren't 100% sure what they said.

Sludig · 2026-06-27T12:53:21-0400

Kithani said:
You realize you’re not in the Grow Up section right?

Sludig your wife wants to VTI and chill now post her boobies in exchange

Trust me no one wants that.

Sludig · 2026-06-27T13:00:18-0400

Synj said:
The easy answer is VOO.

But Sludig said his wife doesn’t want more SP500 without context as to why: portfolio diversification, growth, risk, etc.

I agree with you that a $10k portfolio and a $1M portfolio allocation could very easily be 80/20 VTI/VXUS and work out very well for most people. Easy.

I disagree that dollar amounts don’t matter.

Dollar amount changes what is practical. A $10k investor trying to build a $500/month income stream might be making a mistake; they need to grow capital.

A $1M investor can comfortably carve out $200k for income, $700k for growth, and $100k for opportunistic investments. Those are completely different portfolio construction problems.

So when someone comes in and says: “Hey, what’s a good etf that’s not the S&P 500,” my reply is likely going to be a joke (which it was), and then to ask more questions and provide whatever insight I can (like I did).

At the end of the day, investing is personal, and I’m not a financial advisor, and getting investing advice from here is buyer beware no matter the intention of the people here or not.

But I’ll be damned if Khane is going to shame me into not making a fucking obvious joke. Fucking pearl clutcher.

In my defense I've posted longer more in length stuff in the past. Alligned my own stuff by that and moved on, I struggle to keep any of it straight in my head. She just kinda hit me out of the blue and I didn't want to go at length because I don't even know for sure what she is belly aching about diversifying from VOO already being a good pleb choice.

Ball park, we have 100k cash, 50-80k or so each in investment accounts. 40. She doesn't have a ton ton left over after maxing her companies plan, she actually has to put in some into an IRA her self because the wierd shitty plan she has at work I think matches but she claims for some reason she can't just withhold more directly. Makes no sense to me. 70k and 90k gross roughly, waiting to see how the new company take over goes and health insurance costs to see if I can be better about putting more in, she's hopefully in 1-2 years it sounds like should see a sizable raise, like potentially I'll semi retire part time to be farm husband and she'll cover majority of bills. I try not to plan for it at all, but even if my dads 3mm dwindles to near nothing, I should still have another few hundred k to put directly into investment accounts to catch up more. We only started making decent middle class money in the last 8 years or so and whern't maxing contributions until recently. I've thought about selling the jag in another year just to have another 20k to plunk in with a little leftover for a bike or 2ndary shitbox.

Sludig · 2026-06-27T13:02:01-0400

Furry said:
I'll be honest, sludig's post was almost as unreadable as drunk fanaskin posting at 10am in the pol thread. It's hard to give someone a serious answer when you aren't 100% sure what they said.

Phone swipe ate one word, fixed. There's a reason I prefer to only post on desktop when I can.

Synj · 2026-06-27T13:04:53-0400

Flobee said:
I think folks are missing the point here. This thread has traditionally not been a place where any sort of trolling was acceptable. I'm neither saying that the joke was too much, nor the reaction reasonable, but the point is that this thread is supposed to be taken seriously. Seems that the two main guys enforcing that are MIA these days so I guess do whatever you want.

An obvious joke that was immediately discernible is not trolling but that's fine.

At the very least, I actually invested some time into trying to help

Sludig with his question, but whatever, no more jokes I guess.

Synj · 2026-06-27T13:10:57-0400

Sludig said:
In my defense I've posted longer more in length stuff in the past. Alligned my own stuff by that and moved on, I struggle to keep any of it straight in my head. She just kinda hit me out of the blue and I didn't want to go at length because I don't even know for sure what she is belly aching about diversifying from VOO already being a good pleb choice.

Ball park, we have 100k cash, 50-80k or so each in investment accounts. 40. She doesn't have a ton ton left over after maxing her companies plan, she actually has to put in some into an IRA her self because the wierd shitty plan she has at work I think matches but she claims for some reason she can't just withhold more directly. Makes no sense to me. 70k and 90k gross roughly, waiting to see how the new company take over goes and health insurance costs to see if I can be better about putting more in, she's hopefully in 1-2 years it sounds like should see a sizable raise, like potentially I'll semi retire part time to be farm husband and she'll cover majority of bills. I try not to plan for it at all, but even if my dads 3mm dwindles to near nothing, I should still have another few hundred k to put directly into investment accounts to catch up more. We only started making decent middle class money in the last 8 years or so and whern't maxing contributions until recently. I've thought about selling the jag in another year just to have another 20k to plunk in with a little leftover for a bike or 2ndary shitbox.

80% VOO or VOO equivalent in her 401k brokerage (you'll have to look this up), 10% VGT/VUG or equivalent (FSPTX/FBGRX etc) for some tech or growth, 10% VXUS or equivalent (VTIAX etc) for international diversification. I wouldn't personally recommend single stocks for her.

Don't do TQQQ or SOXL.

Call it a day.

Sludig · 2026-06-27T13:11:28-0400

Synj said:
An obvious joke that was immediately discernible is not trolling but that's fine.

At the very least, I actually invested some time into trying to help Sludig with his question, but whatever, no more jokes I guess.

I don't feel slighted at least. I didnt run and do anything rash based off one comment. Learned that lesson when I tried to diversify beyond just btc when I dabbled in that slightly for a few years. Just looking at it objectively, I would say there is a more specific shitpost thread, this thread is a lot more random now that Sanrith and one or two others kinda ghosted. I suppose you could just throw in the trolly face with the post if any worry you are dealing with a luddite like me.

Sidenote/offtopic Dr Butt Pellet, middle of a few months of enclinophene, don't seem to see/feel any effects. Go in august to test, but probably move ahead with just injecting straight T. Probably should focus on understanding financials better, but had a good couple years investing in fixing myself between back surgery that improved my life a lot, getting ICL eye surgery, etc.

Now how long until my SPCX goes to the moon or craters is my current dillema. Hoping in 10 years we are on mars and sitting pretty lol.

Jysin · 2026-06-27T13:38:28-0400

We’ve kinda hashed this shit out repeatedly over the years. Once in a while a get quick rich poster parachutes in with everything figured out and then ghosts off into the ether. The bottom line is, dump most of everything into VOO and if you really insist on trying to pick individual companies to invest in, keep it light. 10% of the portfolio to keep things safe. And no, I don’t mean go dump 10% into any one stock.. 10% for all of your picks combined. Capital preservation is key.

The truth is, active trading is a full time job. With years worth of days and nights staring at charts and reading earnings reports, you’re still likely going to struggle to beat the broad index. There’s buckets of literature out there on this.

Yes, VOO and chill is boring as fuck. While also, it is a proven strategy to make millionaires when you start investing even modestly at an early age.

Portfolio job	Common choices
U.S. core (S&P 500)	VOO or VTI
Nasdaq 100	QQQ
Entire world in one fund	VT
International diversification	VXUS
Growth tilt	VUG
Value tilt	VTV
Small-cap tilt	VB or VTWO
Dividend strategy	VIG, VYM or VYMI
Technology tilt	VGT
Real estate tilt	VNQ
Semiconductors	SMH/SOXX
S&P Momentum	SPMO

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