The more I look into investing and compare the historical returns of certain ETFs / individual stocks it seems like the whole philosophy of “VOO and Chill” is equal parts really smart and retardedIt’s like a no brainer for money but even now as long as the market is in a growth period shouldn’t you at least do QQQ?It seems so simple that’d you miss a lot of upside but the returns are honestly not bad and extremely consistentHow accurate is this assessment? It’s both so simple and guaranteed that everyone should it but also too safe so you end up missing out on more upside I’m talking 5-20 years investing here not trading
Boomer funds are gay and lame
>>62400515What qualifies as oneWhyWhat crypto do you want to shill
boglehead method is the tried and tested way, buy the market with an index fund that has a low fee, invest monthly, do it consistently for decades and you WILL be richbut biz/anons don't care about being rich when they're older, they want to be rich NOWgreed is a deadly sin
>>62400560>RICHlol good one anonyou may be ok, but you won't be rich
>>62400564What makes one rich then, can only doing a good trade here and there achieve thisAnd depending on the definition, being “OK” probably puts you in the 85th percentile versus people in credit card debt at leastI’ve considered trying to be more sector specific or something but idk
>>62400620when you are passively producing about 200k in cash annually. that allows you unrestricted living in any part of the US. you need at least 4 mil+ folio to do that comfortably.
Thing is, index funds are for either:A) People who have a lot of money where % changes magnify in a meaningful wayB) People who start early enough in life and consistently enough for compounding to mean anythingThe problem is we have people starting at age 35 with like 150 a month thinking it's going to somehow mean something.>b-but something is better than nothing!Yes and I'm sure that used car and maybe a holiday you can buy with it when you're 65 from cashing out all your investments will be great.....
>>62400633You can that with VOO and chill though…
>>62400638>5% withdrawal rateYIKESDESU you need 5mil, and you aren't getting there without constantly invest invest invest and wa
>>62400645*waiting and hoping you don't die along the way.
>>62400554ngmi
>>62400652Exactly you can’t explain it >>62400636Well I’m 26 and have low expenses so I’ve been DCA my salary into VOOI guess at 26 I could have more risk but idk this is hitting 20% returns after a year and a half good enough for me
Qqq is just more narrow and carries more risk. It’s true that s&p and nasdaq carry many of the same companies right now, but nasdaq can crash and fail to recover, or growth can move to another segment of the economy. S&P will adjust when either of these happen. Nasdaq will be Nasdaq. It seems if you invest in both that’s fine, but you are putting your money in the same place twice and increasing risk.
>>62400995From what I’ve seen QQQ has basically just mirrored VOO with a factor of 2Twice the gains, twice the loses and actually quite a few years where the two were equalI think a decade long CAGR comparison was a 5% difference but I’m not sure if CAGR is the best stat to go by?
What a pointless thread. Oh wow have you come to the conclusion you should just buy an ETF wow what a waste of space this shit thread is.
>>62401312Sorry I should’ve made a thread where I pretend to buy a stock and ask what I’m in for instead Or posting a red angry basedjak
>>62401312ngmi
>>62400620Putting in 100 bucks per month makes you average.
>>62400493VWCE and chill
>>62401790Any image with a wojak means you should follow the opposite of whatever advice it is advocatingAdditionally>100 bucks a monthLMAO ARE YOU POOR
ETFs only make sense if you're already rich and looking for a source of passive income
>>62402981no they don't lmao
>>62402981>going for that passive income
>>62402983Yeah he's right if you have enough capital you can easily live off it. The problem is morons with 10k thinking VOO is going to make them rich after investing for a few years.
>>62402991no he isn't idiot
>>62402931The average person is pretty poor. And this is just braindead fire and forget index fund investing. 100 or 120 per month gives you 200k in 40 years. You can put in 500 or 600 per month if you want a million in 40 years. Of course it won't be a million, it will be more like 5 million or 10 million due to hyper inflation, but it will be equal to what a million is today.
>>62402981ETFs are how you make generational wealth without thinking. It literally requires no work. Picking stocks burns brainpower and also has a high failure rate.
>>62402991lmao no, etfs are good for retirement as a middle class wagecuck; they wont make you rich sure but to claim is only useful for millionaires is bullshit.Also getting rich quick is literally the point of all this.
>>62403044The median 64 year old american has 400k to retire on and they seem to be ok with it.That's what middle class means in america. Of course 1 in 10 Americans have a net worth of 1 million, but that's not controlled for age.
>>62400636Im the second one.Yeehaw
>>62403140same
>>62403030>The average person is pretty poor.Kind of. >The U.S. median household income is $83,730. For individual personal income, the median figure is $45,140. -- St. Louis FEDMost Americans can afford to save more than $100/month, especially if they are married or have a SO, but most Americans really don't think about the future, so they finance the best lifestyle the bank is willing to finance instead of living well beneath their means. Most Americans should not be going to Disneyworld or on vacations every year, especially on credit, but they do and this leads them to get into debt, making it "impossible" to save money.I try to save as much as possible because no way am I not going to settle for $200k in the year of our Lord 2060. That's broke money today, much less in 40 years when the USD is further in the toilet.
>>62400560I want to be free. The colour of my bugatti is meat colored
>>62400493it's over
>>62400515And jewish
>>62400493Im all in on aussie etf covering nasdaq NDQ, 60k dollars so far. But will probably start getting other stuff to be safe. I figured its fine if it goes down 50% at this early stage cause 30k isnt world ending
>>62400493forget VOO and forget QQQ. AVUV and AVDV is where you should be, mix in some VTI and VEU so you don't kill yourself. Whatever that threshold is for you.
>>62404755look at this shit, Small cap value beats its market by 3% consistently over long periods, doesn't matter if its US or international. QQQ outperforming in the last 10 years is a tiny sample and not significant. Don't trust it, its a mirage. You're a boglehead trust the statistics, numbers don't lie.
>>62404820Yeah QQQ is simply doing good due to a highly concentrated growth periodThis is interesting though is there any catch or downside to discuss with small cap? Why exactly is it consistently better?I got $55000 in VOO and some in SCHD…….Man this is making me realize when I first started I put $5000 into SCHD before realizing chasing dividends at age 26 is pointless
>>62404829the catch is that its not very correlated with the broader market and its more volatile (more risk means more return, and in this case its actually true. Most of the time when you see people in /smg/ talk about more risk its not actually coming with more quantifiable return. More risk doesn't magically make more return), so if you are 100% SCV there may be stretches where you have to watch VOO have solid returns while you get nothing and kill yourself, but the periods when SCV beats the market it kills. As for why it beats the market. You will have to read farma and french's research papers, the short of it is that there are quantifiable metrics which can explain stock outperformance, they are called 5 factors and they are Momentum, Size, Value, Profitability and Volatility. Small cap value stocks overlap positively with the most factors.
>>62404755I just opened a new stock account strictly for etf investing.I’m thinking of doing 2 shares of AVUV and 2 shares of AVDV each month indefinitely. (1 share each week alternating between the two).Wish me luck.
The S&P 500 is more crash proof now just because so many Boomers rely on it for their 401ks and Social Security is only 5 years away from being completely depleted. If we went through a lost decade like the 2000s there would be Great Depression levels of disparity as the biggest consumer class would be gone. Given how they responded to the 2008 crisis and Covid the powers will keep stocks propped up no matter the cost
>>62400493wait until this current bear routing is over. Right now you get nothing but declines for the foreseeable future. But that will bottom out then it can resume and your philosophy works
>>62400554notice how whenever you call out a boomer fund or jewish 401k, they sperg out and start insulting you and calling you stupid, gee great way to sell your "product"
>>62405112Yeah, I got time and will (hopefully) only be making more money for when prices drop tooDon’t wanna retire at 65 but wouldn’t mind 40/45 if I can hit 150-200k invested soon
>>62405201Are you replying to the wrong post all that guy did was ask questions
>>62404617they predicted a 5-6% YTD gain for 2026 and we're already above that, lying shits.
>>62400493Rather buy VT. Not so bullish on USA anymore
>>62406764Still, conceptually it’s sound right?
>>62400493>QQQif you want more returns (with more risk), you should do something like leverage + vt (or similar) instead of voo (you should at least do vti) and global small cap value, not sector etfs
>>62406804in English doc
>>62406811Alright! I'm gonna explain it like you're 5 years old! Think of investing like choosing a basket of seeds: VOO is like only planting the biggest U.S. trees, VTI is like planting the whole U.S. garden, VT is like planting the whole world garden, and global small cap value is like adding lots of tiny, scrappy plants that have sometimes grown faster over long periods; if you want more possible growth and can stomach bigger ups and downs, using leverage is like turning up the volume on a diversified basket, which can help more than just buying one loud sector ETF, because sectors are a bet on one part of the economy and can stay out of favor for a long time, while broad diversification plus leverage is usually a cleaner way to aim for higher returns without relying on one slice of the market.
>>62406804I am a noob and leverage seems scary desu like I will owe that money eventually right
>>62406996yes, I'm not into leverage either, it evolves its own risks, but if you are not risk averse, it's better than gambling/prediction markts/crypto etc.
>>62400493Voo used to pay more dividends before it was all fag7. Its basically the same as the nasdaq for the past decade
>>62400493yeah I have like almost half a million in VTI right now, and I just need to sit on it for another 10 years. Its funny, I get excited whenever VTI goes down because it means i get a little bonus next deposit
Man I want to just have more principal to invest rather than chasing returnsAnyone know of good side hustles or AI grifts anyone can doIdc as long as it’s triple digits a month at least
>>62406776with Trump's economy + trade wars, VXUS actually went up a ton during the period and now a lot of countries are getting less and less dependent on America. If/when the AI bubble ever pops then you're going to be a lot more insulated since the American economy is being propped up by it.
>>62407097Makes sense but aren’t all global economies just going to be downstream of American AI / Computing companies turning a profit?
>>62402005pr34ch
>>62400515>t. down 95% in fartniggercoin
>ETF and chill is smart but I'm smarter I can time the market!
>>62400493honestly everything is fucked. index fund bagholders are forced to buy shitstocks and act like paypiggies for pump and dumpers like elon musk. it's literally causing a bubble. nobody wins except billionaires who force your grandma's retirement fund to pay for their malfunctioning AI.
>low fee index fundsit's VTI and VXUS for me
>>62400636lol doomer, stop spreading negativity. you will be a lot happier even if you just invested 150 a month.
>>62409901>Realism is negativity!
>>62400493wtf are you doing bringing common sense into my retard and bot zoo?
>>62400636>The problem is we have people starting at age 35 with like 150 a month thinking it's going to somehow mean something.pop quiz! how much would you expect your money to grow over 150 months (12.5 years) with a conservative 6% annual return?
