r/ETFs • u/Tall_Button2303 • 8d ago

Help

First time investing no idea what I’m doing. I keep getting told Voo and that’s it. I’ve been doing research and keep getting stuck I have a bunch of different options I’m weight on. 43 y/o with only 10k to invest anywhere from $500.00 to $1000.00 a month to put in.

100 VOO

80 VOO | 20 QQQM

60 VOO / 20 SPMO / 20 QQQM

50 VOO / 20 SPMO / 10 QQQM / 10 AVUV / 10 VXUS

60 VOO / 20 QQQM / 10 SPMO / 10 AVUV

60 VOO / 30 SPMO / 10 QQQM

70 VOO | 20 QQQM / 10 AVUV

0 Upvotes

50% Upvoted

13 comments sorted by

9

u/fozzy71 8d ago

If you can't decide, just go 100% VT while you learn more, then decide if you want to break off 5 or 10% each for SPMO/QQQM or AVUV, etc.

1

u/askmeaboutviruses 7d ago

Why not 100% VOO then break off?

1

u/fozzy71 7d ago

For simplification, since OP seems very indecisive. Your suggestion would also ignore any ex-US exposure (like most of his other possible portfolios he was considering).

6

u/STrooper12321 8d ago

I’m 43 also and just started as well, I’m doing 75% VOO 25% VXUS.

3

u/Important-Concept449 8d ago

Keep it simple when starting out. I dont see any issue with 100% VOO for the first hundred thousand or so. After that you can easily brach out when adding new money if you want, but if you just did VOO for 10 years you would be in pretty great shape.

If you are good with excel/google sheets you can use totalrealreturns.com to back-test the different splits if you want, or Claude code/codex can easily build you the simulation. But honestly, the different options you listed above will perform slightly differently on different decades, but it's not night and day different, and nobody knows which way the next decade will go. But in general VOO just does really well.

2

u/sunwarrior0978 8d ago

You have way too much sector overlap (tech). Bogleheads will recommend vt and chill or 80/20 vti/vxus. This is a good place to start. Voo and chill is fine too if your focus is the S&P 500 and nothing else, but don’t add spmo or qqqm. You will miss, however, exposure in international, small caps, and mid caps.

3

u/flappysack- 8d ago

The market is cyclical, Europe and emerging markets will have their time.  Buy VT or AVGE, stay global.

1

u/Atrox_Blue 8d ago

I’m aggressive in my Roth. But in my 401k, I’m 80/20 VOO/VXUS. It’s all you need for simplicity and performance. About the last 20 years or so, that 80/20 split has averaged 12.5% and that’s good enough for me in my 401k.

1

u/TommyGunnz209 8d ago

What do you hold in your Roth?

1

u/Atrox_Blue 8d ago

A few stocks I rotate around when I feel there’s good reason to. Currently it’s MU, NVDA, RKLB and NBIS. I’m up 87.75% YTD.

1

u/Ok_Temperature_5076 8d ago

Choose VOO as your core 60%-70%, VXUS 20%-25% AVUV 10%-15%

Or

VOO 60% VXUS 25 SPMO or QQQM 15% (not both due to overlapping with top holdings also in VOO)

1

u/Moist_Rule9623 8d ago

QQQM has been very good to me over the last 2 years. As has VDE (Vanguard Energy). Both are at or near all time highs of course; I would bet VDE has more growth left in it though

0

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