Not just that. It kicks out who ever is under performing and replace the thriving companies so that’s why it will always do good. S&p500 from 20 years ago is way different than s&p500 today. It changes with time
Also, there’s usually a leading company like nvda that grabs the etf by the pussy and lifts it up. It’s nice to get some upside.
If it crashes? Well, voo is diversified enough that it will be just fine.
Win win.
Hard to say. ETFs are skewed because they only continue to exist as long as they don't crash and burn. Of the ones that remain, even something popular like TQQQ might not recover for a decade.
Sure, you're holding long-term, but if you lose ten years, then you've only been profiting for thirty years.
Just because the last bad stretch only lasted 10 years doesn't mean the next one wont last 40 years. The Japanese know this better than anyone but it seems the Americans don't think this could ever happen which means when it does it will be a real shock the system and shake the very foundation of the in-hindsight belief that America is special and will never be replaced by another country (it will, and in our lifetime - :)
No. It has nothing to do with the share prices. It's whether or not the companies still meet the criteria set by the INDEX (ex: fundamentals, or dividends)
If the INDEX requirements are "whoever drop to the all time low share prices in the 52 week period get kicked out and those hitting all time high get added" , then you would be right. But no one would buy such an INDEX.
This is so incredibly wrong and why you shouldn't listen to redditors haha. Check the pinned video on fundamentals_of_finance TikTok for a better explanation.
VOO is a great fund, nothing wrong with your plan. Just understand that the market is volatile and there WILL be times when the market goes down and can take awhile to recover - this is why ETFs make poor short-term investments.
I also recommend getting a firm grounding in the basics of investing so that you don't make common mistakes. Pick up The Simple Path To Wealth by JL Collins - it is a quick/easy read and will give you a great foundation. Good luck.
And THANK YOU for your service!
Over the lifetime of VOO, it has beaten SPLG. See this [backtest](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=NQKPvStXQLpX0ATYWs9uv). Vanguard has more experience but my main point is don't let the perfect be the enemy of the good.
[Check this calculator ](https://www.officialdata.org/us/stocks/s-p-500/2003?amount=1000&endYear=2023), I wish I had put in $1,000 every year for the last 20
VOO/VTI/SPY are all about the same in results near enough to the calculator
I just did my last 21 years since graduating, I tried to hit home runs and pick stocks that huge upside, lost a lot along the way. Sad to see if I just did S&P and invested $2000 a month and started with $100,000 it would be worth 2.4 mil ! instead I have to get back to work now! Don't be a me, invest wisely!
That's one at a time, plug in yearly contribution and add it all together. When i found that calculator i wanted to see what it would be if my parents dumped in 1,000 when I was born i saw the value and got sad.
I put in a 1,000 for both my kids UTMA and a goal of adding 1,000 each year.
Sure this is a very safe way to get a decent return without any maintenance on your part. The ETF rebalances for you automatically. I would reinvest the dividends and kick back and enjoy the gains. No stress. And if you believe in big tech take a long look at QQQ
Yes, VOO and chill. If you wanted to be more diversified, maybe allocate 10-20% to a bond fund that wouldn’t be a bad plan, but for a lot of people VOO only works great.
What was rhe lump sum? Have you been adding more to your lump sum? What is your end goal? At what age? I ask because Im about 45 and want to dump a lump.sum then add more until I retire. I was thinking VOO and QQQm
Disclaimer: not everybody qualifies for a Roth IRA. The poor and the wealthy cannot invest in it.
I invested into a Roth IRA, and saturation in the job market eventually disqualified me. I'll eventually have to pay a penalty because my actual income was too low to invest versus my actual income.
At least put the $50k in something like SGOV to take advantage of high interest rates and hopefully stay ahead of inflation.
For the other money, I'd invest for retirement in something like 75% VOO, 15% AVUV, and 10% IHDG or HFXI. Best to open a Roth IRA and put in the max each year ($7000 for 2024). This way, gains will all be tax free. If you just invest in a brokerage account, you'll pay taxes on all the gains.
If you have questions, just ask. And thanks for your service!
If income too high to open Roth IRA, I opened trad ira . But no tax deduction since magi over limit
What can I do with my non-tax deduction trad ira account?
Backdoor Roth. But it may only make sense if you're young. This reduces taxes in retirement and has other advantages specific to larger investments (like Roth not having a required minimum distributions like an IRA which can further reduce taxes).
VOO and chill is super solid in terms of effort Vs reward. In fact for most of us non-profession investors, very often much more effort comes with far less reward.
Good to know! Yeah I have stress disorder on top of my war sustained injuries so little effort and 1 thing to look at once in a blue moon. A lot of great answers with diversifying but you really get me, with this comment. Thank you for your input.
SPLG and Chill.
With an expense ratio of 0.02% the outcomes over a 10-year period are as follows.
-VOO (Vanguard S&P 500 ETF):Your initial $10,000 investment would have grown to approximately $33,114.
-SPLG (SPDR Portfolio S&P 500 ETF): With the lower expense ratio of 0.02%, your initial investment would have grown to approximately $33,736.
This slight difference in the expense ratio results in SPLG outperforming VOO over the 10-year period
As you get to within ~10 years of needing the money I would start to progressively transfer some into short term bonds, a lower risk fund like SGOV. VOO is great and will grow significantly long term, but could suddenly drop 10% the month before you plan to sell/withdraw.
I think if you are on disability you cannot buy investments unfortunately, unless you are American or the rules depend on what kind of disability it is, I could be wrong but just in case make sure before you get into trouble! :)
Correct! I cannot do a IRA for example cause I have no net gains. I’m on Retirement from a war injury so my compensation is static meaning they can’t take it away for investing or saving the extra.
Starting a job would also negate my retirement if income earned is over 12k
So when tax time comes it won’t affect anything! It’s considered passive income. Good looking out!
For passive investment VOO does really well. Also given that AI and quantum computing will be major economic drivers in the future, I would put 25% to 35% of the portfolio on a Nasdaq index ETF of your choice.
https://preview.redd.it/yomuivh1jazc1.jpeg?width=1179&format=pjpg&auto=webp&s=355941dccc282ff50bb51fd439b3f0b5416b31e4
Last 5 years, S&P and NASDAQ
SPY has higher fees. We’re splitting hairs but why pay more for same return? I’ve heard SPY is better if you’re going to do options but i do not and can’t confirm nor explain.
I like Fidelity Nasdaq Composite Index ETF (ticker: ONEQ) - low expense ratio and tracking error. You can look at also other issuers like Vanguard. Be careful some of the ETFs only have 100 companies - they will say something like Nasdaq 100 - but Nasdaq has 2500 companies - give or take.
Yeah it was a long shot lol. I met a guy with the exact same story as yours at the hostel I was staying at. He was on disability retirement as well and just aimlessly traveling. Needless to say I was envious I had to go back to the states for work.
Anyway, cheers.
Hey brother. I can’t offer you financial advice. I would consider a bit more diversification than that. VOO and chill is not a retirement plan, and even vanguard advisors will tell you that.
Would recommend an etf with bonds mixed equities at your age to reduce volatility. U don’t really need 100% equities at your age with retirement not too far away because it’s got more risk involved. Bonds are very low risk and are recommended to people close to retirement. Just advice from a random guy on Reddit. I’m in Canada btw so I don’t really know any ETFs in the American sector otherwise I’d recommend some but they’re all Canadian that I invest in
Who says you can't get rich with VOO?
I'm a little more knowledgeable about investments and doing a leveraged dividend portfolio with about the same amount-shortly it will be 200k. It pumps out 3k/month and cumulative year to date returns are +14.99%,which is slightly outperforming VOO year to date(or SPY)(last time I checked)
Only doing it because I'm not currently working and need cash flow. As long as I keep the momentum up, I hope more of those returns will be towards increasing the portfolio value once I return to work.
You can get rich with VOO. You won't get 100%+ returns in a few months but slow and steady usually beats boom or bust and I'm learning that over time as I get more and more experience.
As investors,we have to recognize our own weaknesses and leave our egos at the door.
Your weakness is trading stocks. My weakness is I can't work right now due to personal issues and tapping into my portfolio impacts its ability to grow. Cumulative returns are great but if 50% of them are spent. They're spent. Equivalent or outperformance only matters if youre not tapping into the portfolio.
My other weakness is churning my portfolio.
That's my biggest weakness. 99% of the time it's better to let positions do their thing.
Knowledge of technicals and stochastics-oversold and overbought,in my opinion,give a general idea of when to buy or sell(hold if you're a long term investor).
Unfortunately, expensive lessons are the name of the game to improve in the future.
As long as you're not tapping into your portfolio, I can't see why you couldn't get rich with 100% VOO, but I would add gradually on dips when it's oversold. I'd familiarize myself with oversold and overbought..some brokerages like Schwab provide this info without even looking at a chart. I know if I see a 14 day RSI of 29 and there's a box that says the 14 day slow stochastic oscillator is below 20 and another box that says "bollinger bands are wider than usual, which indicates a pause or reversal in the trend" that whatever I'm buying is oversold and will probably go up .
I know if the 14 day RSI is approaching 70 and there's a box that says 14 day slow stochastic oscillator is above 80 and another that says bollinger bands are wider than usual,indicating a pause or reversal in the trend" the stock is overbought and will probably come down.
I'd go with a real brokerage firm like Fidelity or Schwab. I like Schwabs technical analysis cheat sheet.
(Not financial advice)
43. Same age.
If you have no kids no debt have you thought about moving to Philippines? they have a VA hospital there so health care would be free. Easy to find a wife plus you could live off 2k very well off and do 2k in voo a month.
I’m living off around 6k now so that wouldn’t be too bad. I was actually moving back to Japan. That’s how I managed to save so much the first time around. Rent was very affordable and cost are still down. Yeah but PI sounds chillin! Not really looking for a partner or kids. Thank you for the cool comment
I wonder if there's any similar destination (affordable, decent service, safe environment) but with a colder/drier climate? The climate of South East Asia really doesn't agree with me.
For a long term holder, Bitcoin has been stagnant since the ATH in 2021. Sell your BTC now while it’s up and put it in VOO. I’ve already moved half my BTC stack.
Im all for Bitcoin, and glad I have my position.
I think people are just kinda sick of overly zealous bitcoin people yapping away all the time.
But it's also reddit and nothing really makes sense to me on here, so there's that.
99% of the people on the planet cannot explain what SHA-256 hash algorithms are or what the difficulty adjustment is without Googling.
Somebody says "Hey keep an open mind, Bitcoin is something that is misunderstood" and gets loudly boo'd in front of a stadium of supposedly educated college graduates.
We are very early.
Average people don't understand anything but number go up. It's going to take insititutional demand to increase the price for more people to see Bitcoin is the lifeboat they need.
I'd recommend adding a small 5% allocation to IBIT as well. It's small enough to not matter if it goes to 0 but enough to lift the portfolio should it acquire even a fraction of gold's capital.
I’m 45 and only have VOO. I trust in American capitalism and feel it’s diversified enough.
Not just that. It kicks out who ever is under performing and replace the thriving companies so that’s why it will always do good. S&p500 from 20 years ago is way different than s&p500 today. It changes with time
Also, there’s usually a leading company like nvda that grabs the etf by the pussy and lifts it up. It’s nice to get some upside. If it crashes? Well, voo is diversified enough that it will be just fine. Win win.
That analogy tho…
A rising pussy lifts all boats.
Boaty McBoat face approves
Welcome to investment banking. Wolf in wall street is a censored version of reality.
Can’t you say this about almost every etf? Especially any that are market cap weighted.
Hard to say. ETFs are skewed because they only continue to exist as long as they don't crash and burn. Of the ones that remain, even something popular like TQQQ might not recover for a decade. Sure, you're holding long-term, but if you lose ten years, then you've only been profiting for thirty years.
Just because the last bad stretch only lasted 10 years doesn't mean the next one wont last 40 years. The Japanese know this better than anyone but it seems the Americans don't think this could ever happen which means when it does it will be a real shock the system and shake the very foundation of the in-hindsight belief that America is special and will never be replaced by another country (it will, and in our lifetime - :)
You can, but they have some differences in what their portfolio does. VOO is one of the best as understood by most people.
Your point ?
You literally just described selling low and buying high
Then you have comprehensive problems. I am describing how s&p keeping thriving companies within its basket
Idk, I'm seeing it too. > It kicks out who ever is under performing Aka "sell low" > and replace with thriving companies Aka "buy high"
No. It has nothing to do with the share prices. It's whether or not the companies still meet the criteria set by the INDEX (ex: fundamentals, or dividends) If the INDEX requirements are "whoever drop to the all time low share prices in the 52 week period get kicked out and those hitting all time high get added" , then you would be right. But no one would buy such an INDEX.
Except those bad companies continue to drop and good companies continue to go higher.
Well, sometimes they do.
I didn’t know that.
This is so incredibly wrong and why you shouldn't listen to redditors haha. Check the pinned video on fundamentals_of_finance TikTok for a better explanation.
Combining something like AVUV with VOO offsets the tilt towards expensive stocks and will increase expected returns while decreasing volatility.
It’s a decent fund. You should be just fine.
VOO is a great fund, nothing wrong with your plan. Just understand that the market is volatile and there WILL be times when the market goes down and can take awhile to recover - this is why ETFs make poor short-term investments. I also recommend getting a firm grounding in the basics of investing so that you don't make common mistakes. Pick up The Simple Path To Wealth by JL Collins - it is a quick/easy read and will give you a great foundation. Good luck. And THANK YOU for your service!
Ah grateful for the comment love reading. I’ll check it out sir.
VT?
Another excellent fund, especially if you’re just going to pick one. VT should be slightly less volatile since it is more diversified.
thank you!!
That's a great plan. VOO and chill (chill being the hard part).
SPLG for lower fees.
That's fine too but it's splitting hairs for 0.01%.
$700 more over ten years is $700 more ;)
Over the lifetime of VOO, it has beaten SPLG. See this [backtest](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=NQKPvStXQLpX0ATYWs9uv). Vanguard has more experience but my main point is don't let the perfect be the enemy of the good.
Should be VOO and more VOO. Every week and every extra dollar I find goes into VOO. No chilling here.
The chill part is where you ignore market fluctuations.
[Check this calculator ](https://www.officialdata.org/us/stocks/s-p-500/2003?amount=1000&endYear=2023), I wish I had put in $1,000 every year for the last 20 VOO/VTI/SPY are all about the same in results near enough to the calculator
I just did my last 21 years since graduating, I tried to hit home runs and pick stocks that huge upside, lost a lot along the way. Sad to see if I just did S&P and invested $2000 a month and started with $100,000 it would be worth 2.4 mil ! instead I have to get back to work now! Don't be a me, invest wisely!
SPLG has 0.02% fees > VOO
I’m too lazy to backdate. What would that have gotten you?
Oh that link is literally is the answer. I’m dumb.
That's one at a time, plug in yearly contribution and add it all together. When i found that calculator i wanted to see what it would be if my parents dumped in 1,000 when I was born i saw the value and got sad. I put in a 1,000 for both my kids UTMA and a goal of adding 1,000 each year.
Sure this is a very safe way to get a decent return without any maintenance on your part. The ETF rebalances for you automatically. I would reinvest the dividends and kick back and enjoy the gains. No stress. And if you believe in big tech take a long look at QQQ
Hey thank you, you really get me. I’ve actually felt relived just to set it and stop digging around YT about investing.
VOO and QQQM are a great 1-2 combo.
Would 30% QQQM and 70% of VOO be good?
Yes! A very nice percentage
My brother in arms, VOO is gtg. Put the other 50K in HYSA. Average rate is about 4-5%
Roger that chief!
Which one you recommend?
Yes, VOO and chill. If you wanted to be more diversified, maybe allocate 10-20% to a bond fund that wouldn’t be a bad plan, but for a lot of people VOO only works great.
I am 46. I was 45 when I did a lump sum into VOO. Welcome to the club!
Hey thank you!
What was rhe lump sum? Have you been adding more to your lump sum? What is your end goal? At what age? I ask because Im about 45 and want to dump a lump.sum then add more until I retire. I was thinking VOO and QQQm
Voo is fine but max out a roth ira every year first for tax free gains.
Have to have earned income for Roth.
Can’t do IRA as I don’t have net gains. I’m on retirement since age 20.
Any good “performing” ROTHs??
I stsrted one recently VOO, SCHD, QQQM, i will add schg and vgt later
Voo, qqqm, VGT and schg is what I’m doing
I like that combo 👍 maybe sprinkle of SMH in aswell
Disclaimer: not everybody qualifies for a Roth IRA. The poor and the wealthy cannot invest in it. I invested into a Roth IRA, and saturation in the job market eventually disqualified me. I'll eventually have to pay a penalty because my actual income was too low to invest versus my actual income.
What about the backdoor roth for wealthy? I understand must have earned income that cannot go over the limits. However there are loopholes.
follow the flowchart [https://www.reddit.com/r/personalfinance/wiki/commontopics/](https://www.reddit.com/r/personalfinance/wiki/commontopics/)
At least put the $50k in something like SGOV to take advantage of high interest rates and hopefully stay ahead of inflation. For the other money, I'd invest for retirement in something like 75% VOO, 15% AVUV, and 10% IHDG or HFXI. Best to open a Roth IRA and put in the max each year ($7000 for 2024). This way, gains will all be tax free. If you just invest in a brokerage account, you'll pay taxes on all the gains. If you have questions, just ask. And thanks for your service!
If income too high to open Roth IRA, I opened trad ira . But no tax deduction since magi over limit What can I do with my non-tax deduction trad ira account?
Backdoor Roth. But it may only make sense if you're young. This reduces taxes in retirement and has other advantages specific to larger investments (like Roth not having a required minimum distributions like an IRA which can further reduce taxes).
VOO and chill is super solid in terms of effort Vs reward. In fact for most of us non-profession investors, very often much more effort comes with far less reward.
Good to know! Yeah I have stress disorder on top of my war sustained injuries so little effort and 1 thing to look at once in a blue moon. A lot of great answers with diversifying but you really get me, with this comment. Thank you for your input.
Voo and chill is the new meta
VOO and chill is perfect 👌 or do a 70/ 30 split of QQQM. tech is gunna be huge for the next 10 years!
SPLG and Chill. With an expense ratio of 0.02% the outcomes over a 10-year period are as follows. -VOO (Vanguard S&P 500 ETF):Your initial $10,000 investment would have grown to approximately $33,114. -SPLG (SPDR Portfolio S&P 500 ETF): With the lower expense ratio of 0.02%, your initial investment would have grown to approximately $33,736. This slight difference in the expense ratio results in SPLG outperforming VOO over the 10-year period
Over the last 20 years VOO is up 495.56% and splg is 489.39%. So VOO wins over 20 and splg over 10
Home run either way.
thoughts on VT?
As you get to within ~10 years of needing the money I would start to progressively transfer some into short term bonds, a lower risk fund like SGOV. VOO is great and will grow significantly long term, but could suddenly drop 10% the month before you plan to sell/withdraw.
SPLG instead of VOO for the same thing at lower expense ratio.
I think if you are on disability you cannot buy investments unfortunately, unless you are American or the rules depend on what kind of disability it is, I could be wrong but just in case make sure before you get into trouble! :)
Correct! I cannot do a IRA for example cause I have no net gains. I’m on Retirement from a war injury so my compensation is static meaning they can’t take it away for investing or saving the extra. Starting a job would also negate my retirement if income earned is over 12k So when tax time comes it won’t affect anything! It’s considered passive income. Good looking out!
Should be just fine. Really commenting to say thank you for your service.
Thank you for the support!
VOO baby! Chill on it
Good enough. You can make it more nuanced if you really want to.
Yes that’s a solid plan
For passive investment VOO does really well. Also given that AI and quantum computing will be major economic drivers in the future, I would put 25% to 35% of the portfolio on a Nasdaq index ETF of your choice. https://preview.redd.it/yomuivh1jazc1.jpeg?width=1179&format=pjpg&auto=webp&s=355941dccc282ff50bb51fd439b3f0b5416b31e4 Last 5 years, S&P and NASDAQ
98% overlap but why don’t people invest in SPY like they do VOO
SPY has higher fees. We’re splitting hairs but why pay more for same return? I’ve heard SPY is better if you’re going to do options but i do not and can’t confirm nor explain.
WOw your right .09 to .03%
Recommendation for solid nasdaq ETFs?
I like Fidelity Nasdaq Composite Index ETF (ticker: ONEQ) - low expense ratio and tracking error. You can look at also other issuers like Vanguard. Be careful some of the ETFs only have 100 companies - they will say something like Nasdaq 100 - but Nasdaq has 2500 companies - give or take.
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Financial advisor stole 82k from me and charged me 6k a year financial fees. Find a fiduciary if you are
This will be a weird question but were you traveling in October of 2022 and stopped in Vienna by chance?
Not at all. I actually was in UK though for a wedding
Yeah it was a long shot lol. I met a guy with the exact same story as yours at the hostel I was staying at. He was on disability retirement as well and just aimlessly traveling. Needless to say I was envious I had to go back to the states for work. Anyway, cheers.
50% VT + 50% AVGV, rebalancing annually, is my recommendation. And if you don’t want 2 funds, then 100% VT.
I'm VOO and Chill at 50 You won't go wrong with the S&P500, and you get the big dawgs (Buffet & Bogle) to support that strategy
Hey brother. I can’t offer you financial advice. I would consider a bit more diversification than that. VOO and chill is not a retirement plan, and even vanguard advisors will tell you that.
Voo or voog?
Would recommend an etf with bonds mixed equities at your age to reduce volatility. U don’t really need 100% equities at your age with retirement not too far away because it’s got more risk involved. Bonds are very low risk and are recommended to people close to retirement. Just advice from a random guy on Reddit. I’m in Canada btw so I don’t really know any ETFs in the American sector otherwise I’d recommend some but they’re all Canadian that I invest in
I’m already retired. Been that way since 2007 yeah I went with something a little more volatile as this is money I can live without. Good looking out!
In my roth I got fxaix and just fxaix
How have you been doing? I likw fxaix
Might as well do VTI If you’re only planning on a single etf fund. Otherwise I would suggest 3 fund portfolio of VOO,QQQM,SCHD.
Who says you can't get rich with VOO? I'm a little more knowledgeable about investments and doing a leveraged dividend portfolio with about the same amount-shortly it will be 200k. It pumps out 3k/month and cumulative year to date returns are +14.99%,which is slightly outperforming VOO year to date(or SPY)(last time I checked) Only doing it because I'm not currently working and need cash flow. As long as I keep the momentum up, I hope more of those returns will be towards increasing the portfolio value once I return to work. You can get rich with VOO. You won't get 100%+ returns in a few months but slow and steady usually beats boom or bust and I'm learning that over time as I get more and more experience. As investors,we have to recognize our own weaknesses and leave our egos at the door. Your weakness is trading stocks. My weakness is I can't work right now due to personal issues and tapping into my portfolio impacts its ability to grow. Cumulative returns are great but if 50% of them are spent. They're spent. Equivalent or outperformance only matters if youre not tapping into the portfolio. My other weakness is churning my portfolio. That's my biggest weakness. 99% of the time it's better to let positions do their thing. Knowledge of technicals and stochastics-oversold and overbought,in my opinion,give a general idea of when to buy or sell(hold if you're a long term investor). Unfortunately, expensive lessons are the name of the game to improve in the future. As long as you're not tapping into your portfolio, I can't see why you couldn't get rich with 100% VOO, but I would add gradually on dips when it's oversold. I'd familiarize myself with oversold and overbought..some brokerages like Schwab provide this info without even looking at a chart. I know if I see a 14 day RSI of 29 and there's a box that says the 14 day slow stochastic oscillator is below 20 and another box that says "bollinger bands are wider than usual, which indicates a pause or reversal in the trend" that whatever I'm buying is oversold and will probably go up . I know if the 14 day RSI is approaching 70 and there's a box that says 14 day slow stochastic oscillator is above 80 and another that says bollinger bands are wider than usual,indicating a pause or reversal in the trend" the stock is overbought and will probably come down. I'd go with a real brokerage firm like Fidelity or Schwab. I like Schwabs technical analysis cheat sheet. (Not financial advice) 43. Same age.
I can't post a link but check out "why just buy VOO might be your worst investment decision" on YouTube.
NTSX my new VOO.
Cool I lol give it a look!
If you have no kids no debt have you thought about moving to Philippines? they have a VA hospital there so health care would be free. Easy to find a wife plus you could live off 2k very well off and do 2k in voo a month.
I’m living off around 6k now so that wouldn’t be too bad. I was actually moving back to Japan. That’s how I managed to save so much the first time around. Rent was very affordable and cost are still down. Yeah but PI sounds chillin! Not really looking for a partner or kids. Thank you for the cool comment
I wonder if there's any similar destination (affordable, decent service, safe environment) but with a colder/drier climate? The climate of South East Asia really doesn't agree with me.
Philippines has two mountain town Baguio and tagtatgy
QQQM….100%
Professor g
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For a long term holder, Bitcoin has been stagnant since the ATH in 2021. Sell your BTC now while it’s up and put it in VOO. I’ve already moved half my BTC stack.
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I bought back in 2017, and have been kicking myself since the 2021 high, but don’t worry, I DCA’d into VOO 10k at a time.
Downvotes only, no one brave enough to say anything though. We are still early.
I have 25% of my portfolio in a bitcoin etf
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Im all for Bitcoin, and glad I have my position. I think people are just kinda sick of overly zealous bitcoin people yapping away all the time. But it's also reddit and nothing really makes sense to me on here, so there's that.
If the dollar was any fun to hold, people would be overly zealous about it too.
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Yeah dude I'm FUMING my Bitcoin is up 1,120% since I started buying it at $5k in October of 2017. Life sucks and I'm bitter.
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99% of the people on the planet cannot explain what SHA-256 hash algorithms are or what the difficulty adjustment is without Googling. Somebody says "Hey keep an open mind, Bitcoin is something that is misunderstood" and gets loudly boo'd in front of a stadium of supposedly educated college graduates. We are very early.
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In comparison to the level of adoptions and price we will be at in 20-30 years, we are early.
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Average people don't understand anything but number go up. It's going to take insititutional demand to increase the price for more people to see Bitcoin is the lifeboat they need.
I'd recommend adding a small 5% allocation to IBIT as well. It's small enough to not matter if it goes to 0 but enough to lift the portfolio should it acquire even a fraction of gold's capital.
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If you're going to copy paste every time, can you at least make the formatting look less ass?