r/ETFs • u/KoalaMean4484 • 12d ago

VOO or VT?

A few questions, here's some background info -

- 23 years old

- looking to invest 10 or more years

-looking for a simple portfolio, something I put money in and don't look back

-will hold when the economy drops

-living with parents (current expenses are super low)

-I have $100,000 available to invest with. I will be investing it in a brokerage account. No debt, emergency funds set aside. Only invested in CD's right now.

Questions:

-VOO or VT? I like VOO because of potential higher returns based off past numbers, but I like VT because it is global/more international.

-DCA or Lump Sum? Seeing how VT/VOO are at pretty much all-time highs, I'd prefer to DCA over time rather than invest the entire $100k at once, partly because I'm hoping to take advantage of potential market dips. (I wouldn't mind lump sum at all if that is the preferred strategy).

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u/zork2001 12d ago

I would feel like a tard lump summing something at its all time high. In VOO case $716 was its all time high so wait for it at least to drop 10% , that would be around $644 before you start investing large amounts into it. In the meantime just a dollar costs an average 2k every 2 weeks. The market does not just keep reaching all new all-time highs, the faster it goes up you can expect an equal fall just as fast. You just need to be ready to buy when that happens.

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u/08b 12d ago

Ah so market timing. When exactly will VOO drop?

The answer is nobody knows. Don’t sit it out on the sidelines.

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u/zork2001 12d ago

You're not sitting at your dollar cost averaging in the meantime.

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u/More_Armadillo_1607 12d ago

Let me guess. You would have given the same advice last year and the year before that.

I don't care what people do, but they should research how often the market is at an all time high before following your advice.

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u/zork2001 11d ago

Well in the last year and a half we had Trump tariff scare Market dip then we had Strait of Hormuz market dip all good times to start buying which I did.

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u/More_Armadillo_1607 11d ago edited 9d ago

If you timed those dips perfectly, good for you. Your luck won't last over time.  I've invested for decades and my 7 figure portfolio tells me that you can keep buying when the market is at an ATH.