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• (3 points) Why buy VOO when it’s the same thing as VTI but double the price ? Duck that
• (2 points) VOO or VTI

My Portfolio is now at -10% since I started, while it was up 30% in it's prime. I don't know if I should cash out the rest to prevent further losses or just let it rest there for a few years until the... Read More

• (18 points) In your taxable account, I would sell all positions with losses and use the proceeds to purchase replacement shares in something similar but not identical. With etfs this is straightforward - i.e. exchange VTI for VOO or VV. With individual stocks, I would simply sell the losing positions and fold them into an etf for now; you can buy them back later if you wish. In this way, you'll be selling low, but also buying low, creating a tax asset in the process. Depending on your marginal tax rate, this tax asset could be quite valuable. It may also allow you to realize large gains in the future without having to pay much or any tax (the realized losses would partially or fully offset the realized gains, and of course, return of capital is tax-free). It may also help to keep in mind that shares represent an ownership stake in a real business which, like a farm, or an apartment complex, or a local McDonald's franchise, produces income year after year, and sends you a check representing your share of the profits. Some years are good and some are bad, but so long as the business produces a profit - even if it is lower than last year's - some portion of that is yours to keep. In most cases, one doesn't sell an otherwise-productive farm simply because the value of the real estate it's on went down, or because drought rendered the crop unusually sparse for the year. You might think of equity ownership in a similar way. Tax-loss harvesting, as described above, is simply a house-keeping chore you can perform in taxable accounts to create a tax asset while maintaining your equity stake. It's less about selling for the sake of cashing out, and more about exchanging one equity position for a similar-but-not-identical equity position with similar performance in order to realize losses that can lower you tax burden or offset gains elsewhere in the portfolio. The operation involves a sale, but the concept of ownership in a real business remains the same. Good luck.

Hello, my dear investors. Long story short, due to where I am physically at the moment and where I might move later on in life (EU/US) it is difficult to invest in ETFs/index funds as transferring t... Read More

So I went to portfolio visualizer and typed in $100k initial amount and $5k a year contribution from 1999 till now in VTSMX (total market fund). Well for all those that repeat the dot com 2000 collap... Read More

It seems to the average person that what we do is not investing. When we are down over 60% because we invested in tech, Cathie Woods, and internet coins; and most of our discussion is trying to time t... Read More

• (3 points) I think it’s all about diversification and length of time. If your putting your entire portfolio into 0dtes, or really 100% into anything, you’re gambling. If you’re holding VOO for the next 40 years you’re investing. One you will likely lose all your money, the other you’re basically guaranteed a decent return.

Share prices continue to plunge, denting a strategy that soared in popularity over the past decade https://www.wsj.com/articles/buying-the-stock-market-dip-is-backfiring-this-year-11664064845?mod=hp_... Read More

• (2 points) A strategy that I have been doing to mitigate losses is hedging with VOO and SH. I have even made more in profits.

I've only been in the market for about 18 months and I've learned a hell of a lot. Kinda like the old fashion tactic of teaching a kid to swim, just throw them in the lake, they'll learn quick. I'm ki... Read More

• (6 points) Adventure. . . excitement. . .a veteran investor craves not these things. I'm kidding but only a little. Mostly I've had the invest steadily in good time and bad with a set amount each month and DCA when I can afford it or notice it. But I started investing at the tail end of 2009 and the only thing is gauge your own appetite for risk when it comes to investing outside of a set VOO or VTI like ETF. I agree it is fun every now and then to do some research and make a pick but not with more than I can afford to lose. I've had some great picks (Moderna) a year before the pandemic and some shit calls like Coupang at their ATH. But I think taking your base hits and walks but every now and then swing for fences. Losing on these big swings hasn't hurt as bad because it was "fun" money. But steady investing has kept my heart rate low.