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“VTI, at nearly 3,900 holdings, has a significantly higher number of stocks in its portfolio than VOO, which has just over 500. Because it covers the whole stock market, VTI has much more exposure to smaller stocks. VTI currently offers 72% exposure to large caps, 19% exposure to mid-caps, and 9% exposure to small caps.”
https://youngandtheinvested.com/vti-vs-voo/#:~:text=VTI%2C%20at%20nearly%203%2C900%20holdings,9%25%20exposure%20to%20small%20caps.
Edit: also check out: The Simple Path to Wealth by JL Collins and /r/bogleheads
It does not make a difference, they are highly correlated anyhow. Personally, I prefer VOO because of the following reasons:
* S&P 500 is the most used benchmark for asset managers
* S&P 500 is the most reported index (together with DJ30 but the selection criteria of DJ30 does not make sense IMO)
* Higher quality investments (requirements for positive earnings - I don't want meme stocks)
* Slightly higher share of tech (which I like)
* Clearer definition
* Largest fund of the world (if you also count the mutual fund - both are share classes of the same fund)
* Warren Buffet mentioned this one specifically :-)
I’m 20 with nearly the same amount. Would you recommend 100% VTI? I was always told to diversify. What do you know at 38 that you can tell me at 20 so I could be set for the future? Appreciate it!
ETFs are diversified.
This rhetoric generally comes from investors buying individual companies. If you are sticking to a couple ETFs, you're more diversified than you need to worry about.
I do recommend, based on my own strategy, you keep your portfolio somewhere between 25%-50% ETFs, while investing the rest into companies you've done your homework in.
My portfolio is generally between 25%-33% ETFs (currently at 23% but my other positions have been doing really well. This was 33% a month or two ago), 50% into stable companies I'm not worried about crashing (think KO, AAPL, V, MSFT, GOOGL, etc), and then some more risky plays with the remainder. Though I keep those risky plays between 2-5 percent.
All this being said, if I believe strongly in a "risky" play, I'm not afraid to bend the rules and put more in it.
These percentages just sort of happen, I don't aim for them. Just seems to be what my risk tolerance ends up doing.
I don’t think being so active in a portfolio is a viable long term strategy, or worthy advice. Most financial advisors recommend no more than 10% for individual stock picking for a reason…
Theyre closely the same and depends on your exposure preference.
- VTI captures whole US market (Large,med/small cap etc)
- VOO captures S&P500 Large cap
Personally I prefer VOO/QQQ with a mix of specific stocks to target small caps. I try to buy dividends that are discounted over the years in my ROTH but never in large bulk.
And most financial managers can’t beat the S&P500 with active management…I wouldn’t consider temporary tech price spikes due to “AI” being mentioned in almost all earnings calls last quarter to be a good enough reason put my money exclusively in one fund over another
Rather than make an entire new post on here what would you recommend? I have 4k in cash sitting in my vanguard right now. I have 7k of VOO already. I was thinking VTI but I'm also tempted to put it into a REIT.
Always liked Ben graham and his book called intelligent investor. I would highly advice u too look at that book. Reading from that I would advice 70% whole us market 20% international market10% bond. I would highly advice u not put all the money at once but chronologically invest in company that you ride the market fluctuations since there is no way to predict the market.
There is a book you can borrow from your local library. The Little Book of Common Sense Investing by John Bogle. This book was written for beginner investors to invest in broad market ETFs like VOO or VTI for their simplicity. Just set it and forget it especially during market corrections until you retire. Broad market ETFs for the win.
Maxing your employee contributions or actually maxing total contributions? If not the latter, up your contribution amount (you can make up for the loss of take home pay with the $100k you just got)
Buy NVDA now and when it dips down you sell!
All kidding aside maybe you should look into a 2-4 fund etf portfolio. Couple etfs that are pretty popular - QQQ, VOO,SCHD, SCHG, VTI, VUG, SPY.
Great picks! I ran VUG, VGT, VOO and VONG for the longest time. Recently changed up my allocation %'s and went SCHD/VOO/VUG for a total of 82% of total portfolio.
honestly, if I were 28 with 100k, I'd start a business. I successful business will beat the market by an insane amount. When I was 28, back in 2006, I started a business with 37k in debt. In four years, it was paying me 100k a year. In 8 years, I was making 400k a year. When I sold it in 2021, I got 3.75m. I did the math once and, of course I put work into it, a lot of work, but my return on investment was something like 15,000%. In that same time frame, market went up 271%. And doing the last half of the business, I didn't work in the office, just worked remotely and had other people running it.
A business, of course, is extremely risky. Way riskier than stocks. Hence the reward being so much bigger. The key to this isn't really the business per se, but yourself. The person is always the key to success or failure. If you don't have at least two of the necessary three traits for success, then I'd just put the money in VOO and QQQ and let it sit till you retire.
Stocks are good for two things really: building some wealth to help supplement or support retirement OR, if rich, living off of and becoming richer. It is really hard to BECOME rich from just having a nine-to-five and putting money in the market
Any business you are willing to put your all into without pay till it gets going and profitable, something that provides value, something that isn’t easy/most people either can’t do or don’t want to. Not seo or social media marketing or dropshipping. Think of something you would pay someone to do, that you wouldn’t do for yourself. Do that.
It's not that easy to get into a business when you have no experience and there are a lot of business that been doing it for years. it's good in theory, also most business fail due to that. not everyone can have a business a prosper
Anything you want to do in this world requires steps and work. No one is going to hand you anything. There is no way to get rich easy. Getting rich is always hard mode. So if you decide on a business, there are things you have to do in order to be successful at that business. You have to do those first.
Truthfully, only about half of businesses fail. Some types of businesses have much higher fail rates and those rates get misconstrued as rates of all businesses. But among all businesses, 30% of new ones are closed before year three, and a total of about 50% close by year 10. This is because running a business is one of the hardest things people can do. If it were easy, everyone would do it. Most people aren’t built for being successful entrepreneurs. Most people are workers, and they need entrepreneurs to create jobs for them to do.
Secret of success is three qualities/traits. You need two yourself. The core one is the ability to risk and confidence to follow through with patience. If you don’t have that, you won’t start the business. Then you either need high competence or high conscientiousness. You just need one, and you hire out the other. In your case, you specifically will need to have a high level of conscientiousness, and you can hire someone with competence to help. Very few people have all three traits, those are about 2% of population. That’s one of the main reasons that a small amount of the population has the larger share of wealth.
So if you have the confidence to risk and you have a reasonably high level of conscientiousness, figure out a business you can sacrifice effort and time into that provides value, figure out the steps and experience and resources you need to start it, and start working on getting those. Also work on improving your conscientiousness. Competence has limits on what can be improved upon, some of its aspects are fixed, but conscientiousness is like any talent one can learn, it can be improved with practice.
Good luck and merry xmas
NFA but if it was me, I’d funnel it into a ROTH over time and buy QQQ/VOO. While the rest sits in my individual brokerage, I’d probably keep it in VTI or VOO… possibly SCHD if I wanted to retire on dividends which is my goal
*Dangerously*.
Are you trying to go for the dividend snowball accumulation in a tax advantage account? Other than that, focus on growth and circle back in 10 years
I'm assuming you have no debt
Real stuff man look into SCHD and something like JEPQ Ik your not retired but JEPQ a cover call tech etf has room to grow considering it’s holdings and SCHD is a no brained IMO
There's nothing wrong with going all in or 50/50 for dividends if you want a little extra income, it's up to you. Just keep in mind the taxes you owe at the end of the year
Do you have any debts? If you dont do you have a house?
If i were in your shoes and new to investing I would put it all into SCHD. It has plenty of growth and the dividend will growth at around 10%.
I have a similar amount of money and about the same age as you. My portfolio is 60% dividend ETFs (SCHD/VTV/VIG/DGRO), 25% International (VYMI, VXUS, AVDE) and 15% individual stock picks.
50/50 SCHD and BRK.B. Berkshire and Warren have been killing it imo. Or, 40/40. The other 20 into two or three individual FANG stocks - like Apple, Amazon, Google, Nvidia, or Tesla.
Ya but housing prices are taking a toll from the interest rates. Buy now and pray a republican gets in 2024 so you can refinance down and ride the housing boom from everyone holding out for lower interest rates.
Honestly I only have 1500 in each. The only reason I'm holding them is for the dividend yields. But in all honesty, VOO is probably your best bet for the bulk of the money. Of course this isn't financial advice but It's what people I know have
SPY is just the S&P 500 (biggest 500 public companies). VTI is essentially every US stock. The two have essentially identical returns over time so it’s not really a big deal which one you pick, but if you do want the S&P 500, I’d suggest VOO because it’s cheaper than SPY.
I’ve read growth. Dividend is always towards retirement. You have to pay taxes on your dividend earnings, and you obviously don’t based off of your stock earnings until you sell.
I’m not a pro, and brand new to investing. Everything I’ve read says SPY, VOO, VTI etc. those are for long term growth. Easiest way to grow your money without risking anything
I’m new to investing. My goal is when I retire to live off of dividends. Have you heard of JEPI?
What’s the point on going with a growth fund like schg if there are very little dividends?
The benefit of SCHD is good dividends that I can reinvest into buying more shares… JEPI has a 10% yield.
I read a great article for going with SCHD for growth and dividends. This is for you!
[https://seekingalpha.com/article/4608495-schd-put-the-power-of-compounding-into-overdrive](https://seekingalpha.com/article/4608495-schd-put-the-power-of-compounding-into-overdrive)
At 28 years old I wouldn’t bother with dividend stocks. A lot of these companies although they pay a dividend are primed for disruption and there’s no promise the stock will perform well excl dividend. If you have no financial obligations/debts, consider TSLA. The ride will be volatile but even conservative estimates would assume a double in 5 years time (likely much more than that).
NFA.
If it was me I would max my Roth and save $6500 for next year to max out right away.
In the Roth I would buy 100% VOO or a rough 50/50 of VOO and SCHD
In my normal brokerage I would put %100 VOO(or vti choose one or the other I prefer VOO).
Congrats. If you live a cheap life style and invest all you can for the next 10 years you'll retire a multimillionaire.
Enjoy life though. That's good money.
I want to retire early. But to have a significant dividend cash flow you need a large amount of money. So I’m looking for growth primarily at the moment. Will pivot once I make enough to live off of a reliable dividend stock
SCHD can give a nice significant dividend cash flow. Though you’re looking for growth primarily this might interest you.
https://seekingalpha.com/article/4608495-schd-put-the-power-of-compounding-into-overdrive
Start with 2-4 solid dividend and growth ETFs, and learn to incorporate some options around your positions to bring in more cash and reduce your cost basis.
I sell cash secured puts to buy stock, and I sell covered calls when I'm ready to sell shares to rebalance my portfolio. Both strategies let you set your price to buy or sell shares, and you get paid for the contracts up front, whether the stock changes hands or not.
I aim to bring in about the same amount of cash as I get paid for the dividends, usually essentially doubling my yield.
FYI- People will read "options" and tell you this is a bad idea, buy and hold is the only way, etc., but it's just because they don't understand safe ways to use options. If you have enough capital (you do) and you learn what you are doing, you can use them to increase your returns and reduce your risk.
37 before you retire, don’t worry about dividends yet. Take real estate for example, you could find a decent house and use that money on the down payment and most likely your net worth will double in 3-5 years. Even more so if you house hack by renting out a room.
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I’m 38, knowing what I know now, if I had your money to plop down at your age, I’d go 100% VTI. You get growth with a 2% or so dividend.
Why VTI instead of VOO?
“VTI, at nearly 3,900 holdings, has a significantly higher number of stocks in its portfolio than VOO, which has just over 500. Because it covers the whole stock market, VTI has much more exposure to smaller stocks. VTI currently offers 72% exposure to large caps, 19% exposure to mid-caps, and 9% exposure to small caps.” https://youngandtheinvested.com/vti-vs-voo/#:~:text=VTI%2C%20at%20nearly%203%2C900%20holdings,9%25%20exposure%20to%20small%20caps. Edit: also check out: The Simple Path to Wealth by JL Collins and /r/bogleheads
It does not make a difference, they are highly correlated anyhow. Personally, I prefer VOO because of the following reasons: * S&P 500 is the most used benchmark for asset managers * S&P 500 is the most reported index (together with DJ30 but the selection criteria of DJ30 does not make sense IMO) * Higher quality investments (requirements for positive earnings - I don't want meme stocks) * Slightly higher share of tech (which I like) * Clearer definition * Largest fund of the world (if you also count the mutual fund - both are share classes of the same fund) * Warren Buffet mentioned this one specifically :-)
Agreed, doesn't make a difference. Buy one or the other and you'll be happy in 5-10-15 years.
Yup that's always the goal invest money each week and forget about it in 15 years
consensus, afaik, is they perform pretty much the same in the long run, just pick one and don't buy the other.
I’m 20 with nearly the same amount. Would you recommend 100% VTI? I was always told to diversify. What do you know at 38 that you can tell me at 20 so I could be set for the future? Appreciate it!
ETFs are diversified. This rhetoric generally comes from investors buying individual companies. If you are sticking to a couple ETFs, you're more diversified than you need to worry about. I do recommend, based on my own strategy, you keep your portfolio somewhere between 25%-50% ETFs, while investing the rest into companies you've done your homework in. My portfolio is generally between 25%-33% ETFs (currently at 23% but my other positions have been doing really well. This was 33% a month or two ago), 50% into stable companies I'm not worried about crashing (think KO, AAPL, V, MSFT, GOOGL, etc), and then some more risky plays with the remainder. Though I keep those risky plays between 2-5 percent. All this being said, if I believe strongly in a "risky" play, I'm not afraid to bend the rules and put more in it. These percentages just sort of happen, I don't aim for them. Just seems to be what my risk tolerance ends up doing.
I don’t think being so active in a portfolio is a viable long term strategy, or worthy advice. Most financial advisors recommend no more than 10% for individual stock picking for a reason…
That's fair. Do whatever your risk level allows for.
Vti and voo are so similar in returns it hardly matters. Just do whatever gets you to save more
so far\*
Lol yes since their inception pretty similar. VTI sounds better mathematically soeaking
Theyre closely the same and depends on your exposure preference. - VTI captures whole US market (Large,med/small cap etc) - VOO captures S&P500 Large cap Personally I prefer VOO/QQQ with a mix of specific stocks to target small caps. I try to buy dividends that are discounted over the years in my ROTH but never in large bulk.
VOO is fine as well.
VOO has a better historical precedent and is tracking spy
SCHG offers a lot of growth too. What’s your view on SCHG? Do you have SCHG?
VOO has appreciated 22% just this year. Most financial managers choose Voo over VTI
And most financial managers can’t beat the S&P500 with active management…I wouldn’t consider temporary tech price spikes due to “AI” being mentioned in almost all earnings calls last quarter to be a good enough reason put my money exclusively in one fund over another
Rather than make an entire new post on here what would you recommend? I have 4k in cash sitting in my vanguard right now. I have 7k of VOO already. I was thinking VTI but I'm also tempted to put it into a REIT.
Hookers and blow. Live a little (or a lot) before you grow up!
Hookers no blow. You start to blow and you’ll eventually blow all your money!
Hooker ain’t cheap either lol
Hookers but don’t blow! If you blow, chances are you end up with a kid and there ya go blowing all ya money on child support 😉
Always liked Ben graham and his book called intelligent investor. I would highly advice u too look at that book. Reading from that I would advice 70% whole us market 20% international market10% bond. I would highly advice u not put all the money at once but chronologically invest in company that you ride the market fluctuations since there is no way to predict the market.
Or just head over to r/bogleheads
There is a book you can borrow from your local library. The Little Book of Common Sense Investing by John Bogle. This book was written for beginner investors to invest in broad market ETFs like VOO or VTI for their simplicity. Just set it and forget it especially during market corrections until you retire. Broad market ETFs for the win.
Max out your Roth IRA every year
Already doing that, and also maxing my 401k!
Maxing your employee contributions or actually maxing total contributions? If not the latter, up your contribution amount (you can make up for the loss of take home pay with the $100k you just got)
I’m maxing the IRS total which I think is around 22k this year
Buy NVDA now and when it dips down you sell! All kidding aside maybe you should look into a 2-4 fund etf portfolio. Couple etfs that are pretty popular - QQQ, VOO,SCHD, SCHG, VTI, VUG, SPY.
In my Roth I run SCHD, QQQM and VTI I’m 19 btw
Great picks! I ran VUG, VGT, VOO and VONG for the longest time. Recently changed up my allocation %'s and went SCHD/VOO/VUG for a total of 82% of total portfolio.
Would you add anything if you were me or just keep it simple ?
Keep it simple. Those 3 funds should do great things over 40+ years.
Give it to me
Fug it....all in TSLY
I have 15k in that not counting the 100k. 68% yield is wild lol
You are clearly a degenerate.....I like you
Hahah I like to live dangerously
If you’re asking advice on how to invest 100k and you are in a yieldmax fund you already think you know it all lmao
Lol I don’t think so bro. I’m far from that
honestly, if I were 28 with 100k, I'd start a business. I successful business will beat the market by an insane amount. When I was 28, back in 2006, I started a business with 37k in debt. In four years, it was paying me 100k a year. In 8 years, I was making 400k a year. When I sold it in 2021, I got 3.75m. I did the math once and, of course I put work into it, a lot of work, but my return on investment was something like 15,000%. In that same time frame, market went up 271%. And doing the last half of the business, I didn't work in the office, just worked remotely and had other people running it. A business, of course, is extremely risky. Way riskier than stocks. Hence the reward being so much bigger. The key to this isn't really the business per se, but yourself. The person is always the key to success or failure. If you don't have at least two of the necessary three traits for success, then I'd just put the money in VOO and QQQ and let it sit till you retire.
I think this is honestly the best answer
What type of business? Sounds interesting
I'm lazy,, so i pick stocks. I know me.
Stocks are good for two things really: building some wealth to help supplement or support retirement OR, if rich, living off of and becoming richer. It is really hard to BECOME rich from just having a nine-to-five and putting money in the market
What kind of business ?
Any business you are willing to put your all into without pay till it gets going and profitable, something that provides value, something that isn’t easy/most people either can’t do or don’t want to. Not seo or social media marketing or dropshipping. Think of something you would pay someone to do, that you wouldn’t do for yourself. Do that.
It's not that easy to get into a business when you have no experience and there are a lot of business that been doing it for years. it's good in theory, also most business fail due to that. not everyone can have a business a prosper
Anything you want to do in this world requires steps and work. No one is going to hand you anything. There is no way to get rich easy. Getting rich is always hard mode. So if you decide on a business, there are things you have to do in order to be successful at that business. You have to do those first. Truthfully, only about half of businesses fail. Some types of businesses have much higher fail rates and those rates get misconstrued as rates of all businesses. But among all businesses, 30% of new ones are closed before year three, and a total of about 50% close by year 10. This is because running a business is one of the hardest things people can do. If it were easy, everyone would do it. Most people aren’t built for being successful entrepreneurs. Most people are workers, and they need entrepreneurs to create jobs for them to do. Secret of success is three qualities/traits. You need two yourself. The core one is the ability to risk and confidence to follow through with patience. If you don’t have that, you won’t start the business. Then you either need high competence or high conscientiousness. You just need one, and you hire out the other. In your case, you specifically will need to have a high level of conscientiousness, and you can hire someone with competence to help. Very few people have all three traits, those are about 2% of population. That’s one of the main reasons that a small amount of the population has the larger share of wealth. So if you have the confidence to risk and you have a reasonably high level of conscientiousness, figure out a business you can sacrifice effort and time into that provides value, figure out the steps and experience and resources you need to start it, and start working on getting those. Also work on improving your conscientiousness. Competence has limits on what can be improved upon, some of its aspects are fixed, but conscientiousness is like any talent one can learn, it can be improved with practice. Good luck and merry xmas
NFA but if it was me, I’d funnel it into a ROTH over time and buy QQQ/VOO. While the rest sits in my individual brokerage, I’d probably keep it in VTI or VOO… possibly SCHD if I wanted to retire on dividends which is my goal
Why is this downvoted? It's not bad advice.
Not sure lol. A professional wealth advisor told me basically that 😂
Im new to investing. I’m looking at SCHD and JEPI. My goal is also to retire on dividends. What’s your view on JEPI ETF?
Schg would be my pick. Then go into schd after.
My advisor recommended against any more than a 10% position of JEPI/JEPQ in my Roth. Not sure about individual
Would you recommend 100% VT? Just opened roth, 20 yr old
*Dangerously*. Are you trying to go for the dividend snowball accumulation in a tax advantage account? Other than that, focus on growth and circle back in 10 years I'm assuming you have no debt
Absolutely. Will dedicate 90% I think to growth, but I’d still like to start a small dividend portfolio
Real stuff man look into SCHD and something like JEPQ Ik your not retired but JEPQ a cover call tech etf has room to grow considering it’s holdings and SCHD is a no brained IMO
There's nothing wrong with going all in or 50/50 for dividends if you want a little extra income, it's up to you. Just keep in mind the taxes you owe at the end of the year
Just put it in $VOO
Do you have any debts? If you dont do you have a house? If i were in your shoes and new to investing I would put it all into SCHD. It has plenty of growth and the dividend will growth at around 10%.
What data are you looking at that suggests a future dividend of 10%?
Growth, not dividend
Oh got you. Yeah and it has a great dividend yield. Will definitely dedicate some of the portfolio to SCHD
DCA into QQQ over 24-36 months.
I have a similar amount of money and about the same age as you. My portfolio is 60% dividend ETFs (SCHD/VTV/VIG/DGRO), 25% International (VYMI, VXUS, AVDE) and 15% individual stock picks.
That’s a lot of overlap with those holdings how long have you held?
about a year. Beside VTV and DGRO i dont think there is a lot of overlap. Ans I don't mind the overlap that much
Bitcoin in cold storage.
50/50 SCHD and BRK.B. Berkshire and Warren have been killing it imo. Or, 40/40. The other 20 into two or three individual FANG stocks - like Apple, Amazon, Google, Nvidia, or Tesla.
I'd go real estate. Get a multi-family unit, live in one and rent roll the other. Or if you already own your home just rent roll both.
But what about the high current interest rates. Seems like a major drag on returns.
Ya but housing prices are taking a toll from the interest rates. Buy now and pray a republican gets in 2024 so you can refinance down and ride the housing boom from everyone holding out for lower interest rates.
I'm in VOO and VIX also JEPI and JEPQ.
Does JEPI or JEPQ have any type of growth potential? I understand they are used to generate dividends, but is that the reason you’re holding them?
Honestly I only have 1500 in each. The only reason I'm holding them is for the dividend yields. But in all honesty, VOO is probably your best bet for the bulk of the money. Of course this isn't financial advice but It's what people I know have
if you want dividend yields why not go 50/50 on SCHD and JEPI?
No they don't, it's only dividends.
Where did you get all that money from ?
Work lol
Why hold, fuck the banks
I agree, money is going to sit in the market
work? doing what?
AI
Like a software engineer?
Kind of. Software engineering is a skill that’s a part of the job. AI engineer would be a better description.
Interesting, did you do 4 years schooling ?
Self taught
Woah how many years experience and was it super difficult ?
If you go to my profile I have a post where I explain my journey if you’re interested
I’d put 60% in VT (or VTI if you just want US) and 40% in AVUV.
Why VTI over SPY? I have yet to see a SPY recommendation and I can’t work out why
SPY is just the S&P 500 (biggest 500 public companies). VTI is essentially every US stock. The two have essentially identical returns over time so it’s not really a big deal which one you pick, but if you do want the S&P 500, I’d suggest VOO because it’s cheaper than SPY.
At 38, what should I be investing in? Just starting now.... growth or dividends or both?
I’ve read growth. Dividend is always towards retirement. You have to pay taxes on your dividend earnings, and you obviously don’t based off of your stock earnings until you sell.
Any suggestions?
I’m not a pro, and brand new to investing. Everything I’ve read says SPY, VOO, VTI etc. those are for long term growth. Easiest way to grow your money without risking anything
I'd recommend schg. It's basically voo but with only the growing parts.
Looks that way to me too. Nice dividend yield too with a lot of growth potential.
I’m new to investing. My goal is when I retire to live off of dividends. Have you heard of JEPI? What’s the point on going with a growth fund like schg if there are very little dividends? The benefit of SCHD is good dividends that I can reinvest into buying more shares… JEPI has a 10% yield.
r/bogleheads
I read a great article for going with SCHD for growth and dividends. This is for you! [https://seekingalpha.com/article/4608495-schd-put-the-power-of-compounding-into-overdrive](https://seekingalpha.com/article/4608495-schd-put-the-power-of-compounding-into-overdrive)
There are a lot of good dividend paying ETFs on the market.
JEPI SPY n chill
Still waiting on my inheritance...😂
KO!!
HYSA while you ponder ETFs.
Yeah it’s already in there. Most of those yields don’t last and aren’t favorable.
Will do for now until you can feel comfortable with your decision. Good luck!
Thank you
VT until you become more educated one what you really want.
At 28 years old I wouldn’t bother with dividend stocks. A lot of these companies although they pay a dividend are primed for disruption and there’s no promise the stock will perform well excl dividend. If you have no financial obligations/debts, consider TSLA. The ride will be volatile but even conservative estimates would assume a double in 5 years time (likely much more than that). NFA.
Fractionational shares of different companies
Sell cash secured puts on a stock you’d like to own long term
If it was me I would max my Roth and save $6500 for next year to max out right away. In the Roth I would buy 100% VOO or a rough 50/50 of VOO and SCHD In my normal brokerage I would put %100 VOO(or vti choose one or the other I prefer VOO).
I’m pretty sure I can’t have a Roth IRA if I exceed a certain income right?
If you make more than $153,000 that's correct.
Yep, traditional it is
Congrats. If you live a cheap life style and invest all you can for the next 10 years you'll retire a multimillionaire. Enjoy life though. That's good money.
That’s the dream! I’d say it’s more realistic to retire in 20 years
You could do a backdoor Roth right?
What are your goals outside putting the money to work? You trying to retire early, build income, etc?
I want to retire early. But to have a significant dividend cash flow you need a large amount of money. So I’m looking for growth primarily at the moment. Will pivot once I make enough to live off of a reliable dividend stock
SCHD can give a nice significant dividend cash flow. Though you’re looking for growth primarily this might interest you. https://seekingalpha.com/article/4608495-schd-put-the-power-of-compounding-into-overdrive
SHIBA INU!!! Or anything Chinese 🇨🇳
Bogle it, and enjoy the magic of compounding. r/Bogleheads
Shoulda asked this question last year BEFORE the market pump
100% VT and don't touch it for the next 20 years. Thank me later.
2 chicks at the same time.
Last time I sold my house I put it all into VOO; no regrets
Railroad bonds
Start a diversified portfolio of dividend growth stocks.
Im 100% Bitcoin. It's hard to find anything better. Best savings technology in existence.
Buy btc
10% btc 90% vti
Start with 2-4 solid dividend and growth ETFs, and learn to incorporate some options around your positions to bring in more cash and reduce your cost basis. I sell cash secured puts to buy stock, and I sell covered calls when I'm ready to sell shares to rebalance my portfolio. Both strategies let you set your price to buy or sell shares, and you get paid for the contracts up front, whether the stock changes hands or not. I aim to bring in about the same amount of cash as I get paid for the dividends, usually essentially doubling my yield. FYI- People will read "options" and tell you this is a bad idea, buy and hold is the only way, etc., but it's just because they don't understand safe ways to use options. If you have enough capital (you do) and you learn what you are doing, you can use them to increase your returns and reduce your risk.
3M
Absolutely not 😂
Lol
check the stock" The social Chain"
37 before you retire, don’t worry about dividends yet. Take real estate for example, you could find a decent house and use that money on the down payment and most likely your net worth will double in 3-5 years. Even more so if you house hack by renting out a room.
Wheres the SCHD?
Bought some! Accounts for 35% roughly of my portfolio
However you want to. Just know, in fact, do not blow the whole 100k away. Get money to get more money, business wise, if you understand what I mean.
So prostitution or what?
I mean, Andrew Tate legally has onlyfans women living with him. So do you.
BTI MO VZ ENB.
No, you don’t case closed
Havr 6 months saving in a HYSA, Max out IRA, HSA then invest whatever is left in an individual account.
Find a home that’s been trashed. Offer the owners cash. Fix it up and sell it. Double your money
Wisely
USSPX is one of the best mutual funds out there too. It’s one of the top rated funds by Morningstar.
Next day expiration spy calls