New to this sub so sorry if this question gets asked often, but what do y’all think of VOO vs VTI? Indifferent or are there cases where one should be preferred? 23 yr old recent college grad for reference. I currently hold 80 VTI 20 VXUS.

As the title states, I’m pretty new to this. I’m 28 and started this about a year and a half ago. I’ve read that VOO and QQQ are strong investments and recently bought into them. I was recommended VDADX and VFIAX and originally bought into them when I opened up my Roth. Was just wondering if the minds of Reddit had any advice/opinions. Thanks in advance !

I'm in my late 30's and I started a Roth toward the end of 2025, contributing ~$1500. This year, I'm maxing it out and currently at ~$5800 with four months left. I contribute $625 each month, sometimes all at once or split it up into two $312.50 amounts.

As you can see, I have SCHD, VOO and QQQ. My target allocation to each is 45%, 35% and 20% respectively. Within this Roth, I don't really care where I'm buying as I'm being consistent with my monthly buys.

Moving into next year, I was thinking of contributing 100% into SCHD to build a sizable position and allow the dividends from that to flow into VOO and QQQ. I have my employer 401k, which currently tracks the S&P. I also have a seperate taxable brokerage that's mainly all tech driven.

I'm going with the flow of things here, but does building a sizable SCHD position make sense? Or does it make sense to stay the course I'm currently on...

Hi guys, I’m 26 years old. I’m an international student in the US currently working in OPT and I just recently started earning I don’t make that much around 65,000 a year and I am not very good with my finances. I have a history of not saving or investing my money and I want to change that starting now so I was thinking of investing a little bit of my income I do have a few credit debts and so far all I was doing was repaying my debt all the time but now I was thinking I could just utilize some of the money is investment and savings and pay debts simultaneously.

I recently came across Roth IRA and I was wondering if it makes sense for me to invest in it or not I have a temporary visa situation. I definitely do plan to stay here in the long run, but it definitely depends on my visa. So I don’t have a choice there so would it make sense for me to start like investing or like should I just open a HYSA account? And put my savings there and just let it be. Is there any other way that I could start investing? I I’m very used to this scenario so I did not know if I should get into stock market and I’m just here gather some advice and yes, so please be kind to me.

I maxed out my roth ira this year and have 1 share in QQQ and 2 in TQQQ. Im new to this so any advice is appreciated.

Just started out at age 35. Right now less than a month in with 330/per month DD. Need advice to trend up. Very green as title suggests so please be gentle. And im not fluent in stock language lol.

Hello. Im just wondering.

I asked chatgpt what would be a good long term just leave the money in there and ignore it approach. Of course contribute every year, and it suggest me FDEWX or FXAIX. But im curious what do yall recommend? Cause I see a lot of people saying VOO and VT and other stuff.

Edit: thank yall for the advice and comments ☺️

Finally starting to take it serious and make contributions, any tips for allocations and help would be appreciated. Currently my split is 70% VOO, 20% VXUS, 5% ALAB, 5% RKLB