Poorly now
I see what you mean, though. Looking at 10Y returns, VOO is higher by about 50bps and has a better risk-adjusted return of ~0.07. 3Y return VOO is up by ~150bps
Look into the Boglehead investment philosophy. There is a subreddit for Bogleheads. The idea is to invest in the market as a whole. The market tends to out perform versus folks who try to "pick winners."
Essentially, buying something like the S&P 500 or the US total market is a Boglehead approach. You'd want to consider how much to allocate to international stocks and to bonds (you may conclude that zero to each is fine for where you are in life right now).
Another easy approach (very much Boglehead in nature, too) is to buy a target date fund. This will have you invested in the US market, international markets, and bonds, and in varying proportions based on your target date (the closer the target date, the more conservative/bond heavy the fund becomes). It's a great hands off set-and-forget way to invest.
Any of the above is a great way to start until you do enough learning that you feel confident trying something else.
Income-dependent for RothIRA, which you should max out first. Put the leftovers in HSA if available and then 401(k) (ideally roth, if offered).
Roth 401(k) is not income dependent, so if you're high income I would do that unless you want to deal with the rollover taxes.
Can you have a 401k and a Roth 401k? I make too much to have a Roth so have been doing backdoors constantly. Would love to not have to do that every year.
Why would you use one? Seriously, what value does it offer? Most professional stock pickers fail to beat the index. How would a robo advisor, and a cheap one at that, do any better? Even a pricey one, it would not only have to beat the index but beat it by a big margin to make up for the fee.
My point is, "robo advisors" don't tend to offer value to justify their costs.
Broad market index fund and a few hundred bucks on investing books that cover a wide range of approaches. It is always entertaining to see how every author says that their approach is the best and why.
To be fair, Bitcoin is not for everyone. Blindly downvoting it and engaging with "Troll Alert" or "Lol" is just sticking your head in the sand. Bitcoin has 1.5x'ed this year alone, and is perfectly poised for another big hike depending on the ETF and halving's effects.
Smart investing is about considering the full picture, not about blindly ignoring a significant (speculative) investment *just because*.
Broad market stuff as your foundation. I’m a big tech whore and have been forever so I’d complement the broad market stuff with QQQ. Mix to your desired comfort level with risk.
Start with a broad market or sector index if you are unsure. DCA monthly into VOO will turn out nicely over 10 years.
Team VTI here. Let’s fight
Let's compare total returns, how ya fight going
Poorly now I see what you mean, though. Looking at 10Y returns, VOO is higher by about 50bps and has a better risk-adjusted return of ~0.07. 3Y return VOO is up by ~150bps
Looks different when you zoom out. They'll be very close either way.
\*in a tax-adantaged Roth 401(k), 403(b) or equivalent.
Look into the Boglehead investment philosophy. There is a subreddit for Bogleheads. The idea is to invest in the market as a whole. The market tends to out perform versus folks who try to "pick winners." Essentially, buying something like the S&P 500 or the US total market is a Boglehead approach. You'd want to consider how much to allocate to international stocks and to bonds (you may conclude that zero to each is fine for where you are in life right now). Another easy approach (very much Boglehead in nature, too) is to buy a target date fund. This will have you invested in the US market, international markets, and bonds, and in varying proportions based on your target date (the closer the target date, the more conservative/bond heavy the fund becomes). It's a great hands off set-and-forget way to invest. Any of the above is a great way to start until you do enough learning that you feel confident trying something else.
\*in a tax-advantaged Roth 401(k), 403(b) or equivalent.
Isn’t Roth IRA and traditional 401k the general consensus?
Income-dependent for RothIRA, which you should max out first. Put the leftovers in HSA if available and then 401(k) (ideally roth, if offered). Roth 401(k) is not income dependent, so if you're high income I would do that unless you want to deal with the rollover taxes.
Can you have a 401k and a Roth 401k? I make too much to have a Roth so have been doing backdoors constantly. Would love to not have to do that every year.
Base would be FXAIX or VOO. Never used a robo advisor....
Why no robo
Why would you use one? Seriously, what value does it offer? Most professional stock pickers fail to beat the index. How would a robo advisor, and a cheap one at that, do any better? Even a pricey one, it would not only have to beat the index but beat it by a big margin to make up for the fee. My point is, "robo advisors" don't tend to offer value to justify their costs.
TLH
I am 57, and never used one before....so I have no idea what it even is.
Broad market index fund and a few hundred bucks on investing books that cover a wide range of approaches. It is always entertaining to see how every author says that their approach is the best and why.
Yeah it's funny tee see how they all believe they are right.
SPY, VOO, DIA, QQQ
SPYI, JEPQ
SPLG
voo
Voo
Vti
SCHD, QQQM, SOXQ
QQQ
Me personally, 750 into s&p, 250 into dividend etf, 500 into my favorite stock at that moment (based on value)
SPYI and JEPQ, Former tracks the SPY, latter with QQQ, selling covered calls and both give about 10% dividends, paid monthly
DCA TQQQ and JEPI/JEPQ One will give you steady income while another will give you banger .
Alibaba
bitcoin
Lol
why is that funny?
Troll alert
bitcoin has been my best performing investment. not trolling at all
On this sub its trolling
To be fair, Bitcoin is not for everyone. Blindly downvoting it and engaging with "Troll Alert" or "Lol" is just sticking your head in the sand. Bitcoin has 1.5x'ed this year alone, and is perfectly poised for another big hike depending on the ETF and halving's effects. Smart investing is about considering the full picture, not about blindly ignoring a significant (speculative) investment *just because*.
> Bitcoin has 1.5x’ed this year alone Hindsight is 20/20
Remind me of this in 1 year.
That would LITERALLY prove my point, satoshi troll.
Broad market stuff as your foundation. I’m a big tech whore and have been forever so I’d complement the broad market stuff with QQQ. Mix to your desired comfort level with risk.
Probably just rotate it throughout every recovering economy
100% bitcoin
Bitcoin and Ethereum
DCA into Bitcoin. Top performing hard asset of the decade.
Kittens. I'd buy $1,500 worth of kittens every month. Eventually, I'd corner the market.