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Talking stocks, trading, and investing in general

Omega Male

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Dear diary. Today I learned that I'm more vanilla than I thought. Ngl, wtf? OM.
 

Marc Voorhees

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Dear diary. Today I learned that I'm more vanilla than I thought. Ngl, wtf? OM.
I mean, cuckolding rates pretty high on the kink scale to be fair - so don't sell yourself short!
 

Piobaire

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How you all can make a beautiful topic such as BJs so fucking uncomfortable I'm cringing is beyond me.
 

HRoi

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One of the simultaneously most beautiful and annoying things about the same people poasting in all threads both serious and dumb, is that there’s a decent chance that all threads eventually become the Drunk Poasting Thread
 

Texasmade

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One of the simultaneously most beautiful and annoying things about the same people poasting in all threads both serious and dumb, is that there’s a decent chance that all threads eventually become the Drunk Poasting Thread
I stopped getting drunk so I’m not TV drunk poasting.
 

double00

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I stopped getting drunk so I’m not TV drunk poasting.
i've gotten hammered twice in the last 3 years, one of which was last night.

somehow have a switch inside me that says it's time to put down the styfo and really focus on my drunk
 

ryebreadiest

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Is there a specific reason to choose the vanguard admiral share funds like the 500 index fund vs the EFTs like VOO? All money is in either IRA or 401ks. Is it just buying full shares or not, and the 0.03 vs 0.04 expense?
 

lawyerdad

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Is there a specific reason to choose the vanguard admiral share funds like the 500 index fund vs the EFTs like VOO? All money is in either IRA or 401ks. Is it just buying full shares or not, and the 0.03 vs 0.04 expense?
For long term investing, I don’t think there’s much practical difference beyond what you mentioned. ETFs are a bit more liquid in that you can buy or sell immediately as opposed to only at the day’s close, but if you’re not actively trading that’s immaterial. Some ETFs can be dodgy because their strategy for trying to track an index can have some gaps, especially when they’re smaller ETFs that can’t really buy a fully representative sample. That’s probably not much of an issue for VOO, though. Even though its value is based on market demand rather than NAV, it looks like the two tend to perform almost identically.
(This all assumes you are buying through Vanguard either way. If you have to pay brokerage fees for VOO that obviously changes the analysis.)
 
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Piobaire

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Is this the place to talk about triple leveraged ETFs?
 

jbarwick

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Is there a specific reason to choose the vanguard admiral share funds like the 500 index fund vs the EFTs like VOO? All money is in either IRA or 401ks. Is it just buying full shares or not, and the 0.03 vs 0.04 expense?
As Lawyerdad mentioned, either strategy works and I own both Vanguard Funds and ETFs. Funds allow you to put any amount of money in vs. having to buy whole ETF shares but it's not like you are waiting to buy BRK.A shares, so the amount sitting in cash is minimal. While that is a plus for Funds, they are not as tax efficient because Funds pass dividends payouts onto you so there is a taxable event each year while the ETF gets around this. This really only matters in taxable accounts vs. IRAs/401ks.

The only other item to think about is when you have a Roth IRA. Since assets currently can be withdrawn tax free, you may want your highest growth items in these accounts so an S&P fund vs. a bond fund.
 

ryebreadiest

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Thank you for the info. I've been diving into the whole Boglehead thing and picked up/read "The Simple Path to Wealth". I've noticed that there seems to be a split between "Put everything in index funds" and the 2 and 3 fund portfolios that include bonds and other more secure investments. Since I will have a teacher pension and my wife and I will both inherit some property eventually, I was leaning toward just having our Roth IRAs and her 401k all in VOO/VTI/equivalent. That would shift as we get older (I'm 36 and she's 33) but for now it seems like we are just reducing our upside. We are fully onboard with 'stay the long term, keep investing every year, don't panic, low expense index funds, save a lot of money' etc.
 

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