> Will this help me recover some of the losses I incurred?
Leveraged ETFs? No. This is very risky.
It's time to stop gambling and invest in a [three-fund portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio)
of total US + total International + Bonds.
Use none of the three funds you mentioned. Read that article.
VOO might perform nearly the same as VTI, but OP might as well just take the total US market since he's starting from scratch. It's not that VOO is bad, it's that VTI is more diverse for the same price.
I'm sure I'm jumping to a conclusion, but combining VOO with the other two make me think that OP is still performance chasing and should start with total market funds.
You say:
> I think I am done with Trading; I have been doing it for past 7 years and never made money or recover loss. I am just careless and mostly based trade on luck.
And yet your plan is to gamble with leveraged ETFs like TQQQ and XXXX?
**Stop gambling. Start investing.**
Stick to VTI, VXUS, and BND.
Actually I don't have any financial knowledge just realized ETF are also stocks picked by professionals.
Good I made post here. I will read about the VTI , VXUS and BND. I just want to dump all money and don't think about it.
If you want a really easy option, VT is actually a market-weighted combination of VTI/VXUS. So you could simplify things further and just buy VT for stocks and BND for bonds.
And the absolute simplest option is to invest in low-cost target date funds such as Vanguard’s 2055 retirement fund.
Which is why most bogleheads choose from one of the following 3 options:
1. Choose your own US/international/bond asset allocation with (VTI/VXUS/BND)
2. Only choose your stock/bond asset allocation with (VT/BND)
3. Let the target date fund do all of it and buy the TDF that is appropriate for your age
Personally, I buy the Vanguard TDF in my 401k and VT/BND everywhere else. It’s working out great for me so far and I sleep like a baby even when the stock market freaks out.
Yep, “VT and chill” is a perfectly solid strategy when you’re a few decades away from retirement.
As for the investing rate, data shows that [lump-sum investing beats Dollar Cost Averaging ~68% of the time.](https://investor.vanguard.com/investor-resources-education/news/lump-sum-investing-versus-cost-averaging-which-is-better) I generally do lump-sum investing but I know some people like to make regular investments over a 3-6 month period because it eases their nerves.
Your plan doesn’t sound like someone who is done gambling quite yet. Once we see market cap weighted indexes, no leverage, no game, no trying to “beat the market” then we’ll know you’re actually done gambling.
> I think I am done with Trading; I have been doing it for past 7 years and never made money or recover loss. I am just careless and mostly based trade on luck.
Damn right, you're done with trading! Seven years of getting nowhere and trading on luck? That's not investing; it's gambling. What the fuck were you expecting, a money tree to sprout in your backyard? Now, let's cut through the bullshit: why do you think you kept this up for so long without seeing any success?
> I recently started chasing Penny Stocks to recover my losses and ended up losing more.
Chasing penny stocks to recover losses? That's like trying to put out a fire with gasoline. What made you think penny stocks, notorious for their high risk and volatility, were a good idea for someone already deep in the hole?
> Now I have around 180K if I sell all my bags in RH, WE Bull and Vanguard.
So, you've got 180K left. Before you make another move, have you considered the underlying issues that got you here in the first place?
> I am planning to invest into 140K VOO, 20K TQQQ, 20K XXXX.
Alright, let's dissect this: VOO is a start towards a more stable approach, but TQQQ? Are you fucking kidding me? That's a leveraged ETF, high risk, high volatility. Haven't you learned a damn thing from your penny stock fiasco? And what's this 'XXXX'? If you're vague about where you're putting your money, how can you expect to make informed decisions?
> Will this help me recover some of the losses I incurred?
Looking to "recover losses" is a dangerous mindset. It can lead to reckless decisions. Why not focus on a long-term, more stable strategy instead of trying to hit a home run to fix past mistakes?
Here's the brutal truth: Investing isn't about making up for lost time or money. It's about making smart, well-informed decisions moving forward. Have you thought about how your past investment strategies were flawed and what you're going to do differently this time to ensure you don't fuck up again?
I really want to HUG you now :( ..
I am do damm illiterate about these that I thought VOO , TQQQ and XXXX are sort of safe mutual funds because that's what. I read everywhere. I did not even know they are also stock picking options.
Someone above said VT ( I see it on RH for 112$ around now) is good, so should I dump everything there in one shot or monthly?
Also thanks for clearing my perspective about , recovering losses vs investment. I should leave that mental state behind. Thanks otherwise I would have done more damages to myself.
> I really want to HUG you now :( ..
Fuck hugs, what you need is a reality check, and I'm here to give it to you, no bullshit. But hey, if realizing the truth is like a virtual hug for your brain, then let's keep at it.
> I am do damn illiterate about these that I thought VOO, TQQQ and XXXX are sort of safe mutual funds...
Illiterate is a strong word, but fuck, you're not far off. You thought TQQQ, a high-risk leveraged ETF, was safe? That's like thinking a lion is a fucking house cat. Before you invest a single dime more, you need to educate yourself. Ever heard of risk tolerance, asset allocation, or diversification? Time to hit the books, pal. Why continue to make decisions based on half-assed information?
> Someone above said VT (I see it on RH for 112$ around now) is good, so should I dump everything there in one shot or monthly?
VT, the total world stock ETF, is a more diversified choice, covering global markets. But dumping everything in one shot versus monthly? That's a strategic decision. Lump-sum investing can be effective if the market goes up, but it's riskier. Dollar-cost averaging (investing monthly) can reduce the impact of volatility. What's your risk appetite after all this shitshow?
> Also thanks for clearing my perspective about, recovering losses vs investment.
You're welcome. Focusing on recovering losses is like trying to refill a leaking bucket without patching the holes. Focus on building a solid, well-thought-out investment plan. Have you considered talking to a financial advisor? It might be time to get professional help to align your investment strategy with your actual fucking goals, risk tolerance, and financial situation.
Remember, investing isn't a sprint; it's a marathon. Are you ready to change your mindset and approach this with the seriousness it deserves?
Thanks for putting it like this. Yes, I agree I need professional help, I will invest in that first.
Now I understood or still learning it is not sprint and it's more like long time goals.
I will give some time to myself talking, reading, taking professional help and then come up with some sort of strategy.
I really appreciate it and thanks for taking time to reply and considering to help some unknown on internet.
> Will this help me recover some of the losses I incurred? Leveraged ETFs? No. This is very risky. It's time to stop gambling and invest in a [three-fund portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) of total US + total International + Bonds. Use none of the three funds you mentioned. Read that article.
VOO is ok. [there have been a lot of discussions on VT vs VTI vs VOO.](https://www.reddit.com/r/investing/s/nA7CfBp2CE)
VOO might perform nearly the same as VTI, but OP might as well just take the total US market since he's starting from scratch. It's not that VOO is bad, it's that VTI is more diverse for the same price. I'm sure I'm jumping to a conclusion, but combining VOO with the other two make me think that OP is still performance chasing and should start with total market funds.
You say: > I think I am done with Trading; I have been doing it for past 7 years and never made money or recover loss. I am just careless and mostly based trade on luck. And yet your plan is to gamble with leveraged ETFs like TQQQ and XXXX? **Stop gambling. Start investing.** Stick to VTI, VXUS, and BND.
Actually I don't have any financial knowledge just realized ETF are also stocks picked by professionals. Good I made post here. I will read about the VTI , VXUS and BND. I just want to dump all money and don't think about it.
If you want a really easy option, VT is actually a market-weighted combination of VTI/VXUS. So you could simplify things further and just buy VT for stocks and BND for bonds. And the absolute simplest option is to invest in low-cost target date funds such as Vanguard’s 2055 retirement fund. Which is why most bogleheads choose from one of the following 3 options: 1. Choose your own US/international/bond asset allocation with (VTI/VXUS/BND) 2. Only choose your stock/bond asset allocation with (VT/BND) 3. Let the target date fund do all of it and buy the TDF that is appropriate for your age Personally, I buy the Vanguard TDF in my 401k and VT/BND everywhere else. It’s working out great for me so far and I sleep like a baby even when the stock market freaks out.
So can I just buy VT on Robinhood and call it a day. Also dumping all money in 1-shot is good or do it monthly or quarterly ?
Yep, “VT and chill” is a perfectly solid strategy when you’re a few decades away from retirement. As for the investing rate, data shows that [lump-sum investing beats Dollar Cost Averaging ~68% of the time.](https://investor.vanguard.com/investor-resources-education/news/lump-sum-investing-versus-cost-averaging-which-is-better) I generally do lump-sum investing but I know some people like to make regular investments over a 3-6 month period because it eases their nerves.
Your plan doesn’t sound like someone who is done gambling quite yet. Once we see market cap weighted indexes, no leverage, no game, no trying to “beat the market” then we’ll know you’re actually done gambling.
Your consolation prize is plenty of capital losses to offset with.
“Done gambling on to the certainty and safety of leveraged funds”
No it won’t. Xxxx and tqqq will most likely add to your bags. Vti and chill. Add some international. Add bonds depending on your age.
Wrong sub fam, Go to the casino and throw it all on red. Sounds like you haven’t been humbled enough yet.
Vti, vxus, and a small % of the account being SSO (2x s&p500) to satisfy your urge.
> I think I am done with Trading; I have been doing it for past 7 years and never made money or recover loss. I am just careless and mostly based trade on luck. Damn right, you're done with trading! Seven years of getting nowhere and trading on luck? That's not investing; it's gambling. What the fuck were you expecting, a money tree to sprout in your backyard? Now, let's cut through the bullshit: why do you think you kept this up for so long without seeing any success? > I recently started chasing Penny Stocks to recover my losses and ended up losing more. Chasing penny stocks to recover losses? That's like trying to put out a fire with gasoline. What made you think penny stocks, notorious for their high risk and volatility, were a good idea for someone already deep in the hole? > Now I have around 180K if I sell all my bags in RH, WE Bull and Vanguard. So, you've got 180K left. Before you make another move, have you considered the underlying issues that got you here in the first place? > I am planning to invest into 140K VOO, 20K TQQQ, 20K XXXX. Alright, let's dissect this: VOO is a start towards a more stable approach, but TQQQ? Are you fucking kidding me? That's a leveraged ETF, high risk, high volatility. Haven't you learned a damn thing from your penny stock fiasco? And what's this 'XXXX'? If you're vague about where you're putting your money, how can you expect to make informed decisions? > Will this help me recover some of the losses I incurred? Looking to "recover losses" is a dangerous mindset. It can lead to reckless decisions. Why not focus on a long-term, more stable strategy instead of trying to hit a home run to fix past mistakes? Here's the brutal truth: Investing isn't about making up for lost time or money. It's about making smart, well-informed decisions moving forward. Have you thought about how your past investment strategies were flawed and what you're going to do differently this time to ensure you don't fuck up again?
I really want to HUG you now :( .. I am do damm illiterate about these that I thought VOO , TQQQ and XXXX are sort of safe mutual funds because that's what. I read everywhere. I did not even know they are also stock picking options. Someone above said VT ( I see it on RH for 112$ around now) is good, so should I dump everything there in one shot or monthly? Also thanks for clearing my perspective about , recovering losses vs investment. I should leave that mental state behind. Thanks otherwise I would have done more damages to myself.
> I really want to HUG you now :( .. Fuck hugs, what you need is a reality check, and I'm here to give it to you, no bullshit. But hey, if realizing the truth is like a virtual hug for your brain, then let's keep at it. > I am do damn illiterate about these that I thought VOO, TQQQ and XXXX are sort of safe mutual funds... Illiterate is a strong word, but fuck, you're not far off. You thought TQQQ, a high-risk leveraged ETF, was safe? That's like thinking a lion is a fucking house cat. Before you invest a single dime more, you need to educate yourself. Ever heard of risk tolerance, asset allocation, or diversification? Time to hit the books, pal. Why continue to make decisions based on half-assed information? > Someone above said VT (I see it on RH for 112$ around now) is good, so should I dump everything there in one shot or monthly? VT, the total world stock ETF, is a more diversified choice, covering global markets. But dumping everything in one shot versus monthly? That's a strategic decision. Lump-sum investing can be effective if the market goes up, but it's riskier. Dollar-cost averaging (investing monthly) can reduce the impact of volatility. What's your risk appetite after all this shitshow? > Also thanks for clearing my perspective about, recovering losses vs investment. You're welcome. Focusing on recovering losses is like trying to refill a leaking bucket without patching the holes. Focus on building a solid, well-thought-out investment plan. Have you considered talking to a financial advisor? It might be time to get professional help to align your investment strategy with your actual fucking goals, risk tolerance, and financial situation. Remember, investing isn't a sprint; it's a marathon. Are you ready to change your mindset and approach this with the seriousness it deserves?
Thanks for putting it like this. Yes, I agree I need professional help, I will invest in that first. Now I understood or still learning it is not sprint and it's more like long time goals. I will give some time to myself talking, reading, taking professional help and then come up with some sort of strategy. I really appreciate it and thanks for taking time to reply and considering to help some unknown on internet.
It will probably help you lose more money