Posts  / VOO  / #POST-227429
REDDIT

The more you learn investing, the more you realize there’s not much to optimize beyond saving more, staying invested, and avoiding mistakes

P
May 15, 2026 · 16:31

During this bull market I got excited hitting new goals (first 100k in assets), I linked all my accounts together to see my networth across hsa, 401k, ira, brokerage, linked credit/loans.

Everything I have is pretty much in VOO equivalents. Which is cool, but I was trying to optimize further. Almost every other option after countless hours of reading has made me come to the conclusion that there's not any other asset that can provide better expected value with similar risks.

All other assets are projected to underperform, and have historically underperformed voo in recent history, international markets add diversification with lower expected results in recent years, and none of the available cryptos will likely be adopted in a way that'd make them out-grow the market longterm.

I'd invest in stuff that I think has a strong future, but those strong futures are just priced into the stock already.

I mean seriously the only other option that seems to have high likelyhood of better expected value seems to be leveraged VOO/QQQ equivalents, and that has the opportunity to basically wipe out the fund so the risk/reward really isn't there even for a small % of my portfolio.

Do you guys just invest into specific tickers as a hobby, or do you actually expect to out perform VOO with your play money?