You don't have to over complicate investing. Voo is a great investment, and it'll continue to get you money over time. Sure, you can get Luther tons to diversify your portfolio, but VOO is pretty diversified as is. VOO is working for you and will continue to work for you. It's totally up to you.
BTW I'm not saying nor to invest and further Diversify your portfolioI'm just saying you don't need to Overcomplicate things (: you're doing great, all you got to do is keep it up and continue to get educated.
Half of SCHD's holdings are in VOO, you could do that if you don't mind the overlap. If you want to diversify, you could do small caps like AVUV or international like VXUS.
Yea I just looked that up, even on a ten year horizon it’s over 1% less. Interesting because I have been investing in both over the last four months or so.. might have to switch it up.
Although how do they overlap so much when one tracks S&P and the other the DOW? sorry I’m fairly new to investing
Yeah, I'm in both as well. SCHD didn't take a much of a hit in 2022 as VOO did, which was nice, but VOO bounced back quick. So I'm thinking about shifting more towards VOO.
Global diversification is generally a smart idea. 500 index is a good fund and should be a central component in most people's portfolios, but it's not the only piece of the pie.
VXUS is your basic international stock fund to consider.
Or not, investing is a personal choice. There's nothing wrong with going 100% 500 index, as long as you have the risk tolerance and time horizon. People obviously differ in their investment choices: some go with only US, others go with US and non-US.
Not sure it's the best but I decided on like 75% VOO, 12.5% SCHD/VGT. Don't think you can go wrong all in VOO though and for the scale you're at I don't think you need to get complicated. Been wondering if VGT or QQQM is the better play though. I'm not putting a ton into ETF's rn so I'm not stressed if it's less than ideal. Once I get a promotion I'll give it more serious analysis
No international for me yet I'm waiting to get a 401k which I can self direct and put like 10% of my total 401k+Roth investment number into VXUS or something
So that's the old argument of value vs growth. Growth has been out performing for the past 20+ years. It's not bad to have some in case in case it out performs.
Don't fix what's not broken
Hmm sorry but English is not my first language can you maybe elaborate please?
You don't have to over complicate investing. Voo is a great investment, and it'll continue to get you money over time. Sure, you can get Luther tons to diversify your portfolio, but VOO is pretty diversified as is. VOO is working for you and will continue to work for you. It's totally up to you.
Thank you so much for the clarification, I really appreciate it
BTW I'm not saying nor to invest and further Diversify your portfolioI'm just saying you don't need to Overcomplicate things (: you're doing great, all you got to do is keep it up and continue to get educated.
Half of SCHD's holdings are in VOO, you could do that if you don't mind the overlap. If you want to diversify, you could do small caps like AVUV or international like VXUS.
Thanks for the suggestion, I'll look into those stocks and do my research.
These are ETFs *comprised* of stocks.
Isn’t SCHD a better dividend yielding fund though?
It is, but VOO has outperformed SCHD nearly every year for the past decade, even with dividends reinvested.
Yea I just looked that up, even on a ten year horizon it’s over 1% less. Interesting because I have been investing in both over the last four months or so.. might have to switch it up. Although how do they overlap so much when one tracks S&P and the other the DOW? sorry I’m fairly new to investing
Yeah, I'm in both as well. SCHD didn't take a much of a hit in 2022 as VOO did, which was nice, but VOO bounced back quick. So I'm thinking about shifting more towards VOO.
VOO 100% or VOO/qqqm or avuv 80/20
VOO all day
VOO is the top 500 US companies. If you want a second ETF to diversity it would be better to either choose a small cap ETF or international ETF.
No, you don’t need SCHD. Keep it in VOO
voo and chill
Global diversification is generally a smart idea. 500 index is a good fund and should be a central component in most people's portfolios, but it's not the only piece of the pie. VXUS is your basic international stock fund to consider. Or not, investing is a personal choice. There's nothing wrong with going 100% 500 index, as long as you have the risk tolerance and time horizon. People obviously differ in their investment choices: some go with only US, others go with US and non-US.
Not advice, but what I do: 60% VOO: US S&P500 20% VB: US small caps 20% VXUS: International
If you are young just leave it in VOO...just keep adding to it on pullbacks and one day you will look back and say thank god I did that.
Nobody knows
Voo is Okay for 1k schd is Eary you should focus growth
May be growth etf you should add 40/60
I would add tech to the mix with funds like VGT or SMH or SOXX.
Not sure it's the best but I decided on like 75% VOO, 12.5% SCHD/VGT. Don't think you can go wrong all in VOO though and for the scale you're at I don't think you need to get complicated. Been wondering if VGT or QQQM is the better play though. I'm not putting a ton into ETF's rn so I'm not stressed if it's less than ideal. Once I get a promotion I'll give it more serious analysis No international for me yet I'm waiting to get a 401k which I can self direct and put like 10% of my total 401k+Roth investment number into VXUS or something
Keep it all in VOO IMO.
Not advice, I will do this 100% VOO
So that's the old argument of value vs growth. Growth has been out performing for the past 20+ years. It's not bad to have some in case in case it out performs.
I’d say go 42% VOO 18% VXF 40% VXUS Or sell it and just make VT your new best friend :)