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    100k to invest with, what should I do?

    I was thinking VOO looked like a solid option to throw half of it into, but that still leaves about another half to mess around with.

    I don’t exactly follow specific stocks. And nor do I want to right now, though maybe in the future. I just don’t want this money to sit in my checking account, even if WealthFront does offer a decent 4% return.

    100k to invest with, what should I do?
    byu/InsanityOfPigs ininvesting



    Posted by InsanityOfPigs

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    35 Comments

    1. Easik on

      I’d vote RSP right now. There is a lot of broadening out and defensive rotation. It’s hard to say if the mag7 will continue to perform, which is heavily weighted in the VOO.

    2. CartographerTrue1386 on

      If you’re asking for advice on Reddit, there is only one piece of investing advice you need. Buy the S&P, buy it daily, weekly, monthly, quarterly, biennially, and yearly. Buy it when it’s up and down.

      It’s easily the most boring investment advice that exists. But it’s boring because it’s simple, and because it’s simple, it works. Don’t listen to anyone here unless they say “buy the S&P.”

      Very very few people beat the S&P long term, and you won’t find those people here. If they say they’ve beaten the S&P, ask to see their portfolio (1 of 3 things will happen; 1. They won’t show you. 2. They’ll show you a small window where they out performed the S&P in the short term. 3. They’ll spin you a story about why they actually are better than their numbers suggest. Note: they didn’t beat the S&P.)

      You’ll never regret buying the S&P, but you will definitely regret trying to chase higher gains and losing.

      Oh yeah, and if they try and sell you something like a membership or a book, pamphlet, pdf, or their patented way to success, run. I will happily answer any questions you have.

      Good luck.

    4. alexfelice on

      If you are extremely confident you know exactly what to invest in, why you want to invest in it, and what conditions would have to occur for you to sell it – then buy a very large stake in that single idea (or a very small number of ideas that you’re highly confident about)

      If you aren’t confident about that single idea, then diversify. But the S&P regularly

    10. AnyMarzipan6859 on

      I have a slightly different take on this. Rather than dump it all into large cap, I did a lot of research and optimized a similar amount across 5 positions: VTI, VXUS (intl), BND, VBR (small cap) and VWO (emerging markets). Can’t lose long term with this allocation.

    11. Ok_Dare5350 on

      VOO. I don’t know anything about the stock market. Started investing a few years ago. I think I’m averaging 10%. I know this is high and will average out to something lower, but very glad I did so.

    15. bodobeers2 on

      Without knowing your details / goals / timeline, maybe go for something like 70 voo/vug, 15 vymi, 15 schd? just random idea. I’m trying to add some international and dividends so the vymi and schd currently things looking into.

    17. Normal-Intern6932 on

      Ethereum for a 5-10
      Year hold.   I’m
      Sure some AI based stocks will do better but ethereum
      For the next 5-10 should be better than most any investment available in my opinion 

    18. smansmansman on

      The first question isn’t what to buy in my opinion it’s what drawdown or loss can you stomach when sh*t hits the fan. An aggressive (all equities) portfolio can drop 30–40%. If that $100k turns to $60k, do you panic?

      Check out these benchmarks per risk level. They are the gold standard for efficiency, based on Vanguard’s research into passive “lazy” portfolios.

      [Lazy Portfolio Benchmarks](https://sinceinception.com/benchmarks)

    25. 1asterisk79 on

      90k in the s&p500 of your choice.

      10k in companies you think might excel more than the sp500.

    26. blueberrypancake234 on

      If you put all that money in an S&P index fund, you need to be emotionally prepared to hang on when this AI bubble pops. A lot of people aren’t prepared for that. You might be better off entering the market gradually over a period of time.

    27. SnooDrawings3052 on

      Index funds inside of your Roth and HSA, then index funds outside of your Roth and HSA. Boring, but reliable.

    31. Various_Couple_764 on

      the other 50K could be invested in QQQI instead of High yield savings or checking account. QQQI has a 13% dividend payed out in monthly installments and is tax efficient. In a taxable account 50k in this fund will earn about $500 a month.which you can reinvest in QQQI or VOO or just spend if you want.

    34. RjoTTU-bio on

      Do you have a Roth? Do you have a 401k or an IRA? Do you have an HSA? 529 if you have kids?

      Consider what kind of account to invest the money in as well as asset allocation.

    35. stbloc on

      I like all in with VOO but with this Greenland Noise you might want to go 50% international 50% VOO

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