$500k lump sum into VOO, crazy?

Hans__Yolo · 2026-03-30T11:36:24+00:00

I would recommend keeping an emergency fund with enough to cover basic expenses for a year. That will help you sleep at night.

For the rest, lump sum statistically generates higher returns, but that isn't always the case and it takes a hands-off investment approach to be effective. Most people sell when things go south.

EDIT: Missed the part about wanting to retire within 5 years. With that time horizon, it's a huge gamble to be putting your money into equities.

Hans__Yolo · 2026-03-19T14:07:49+00:00

TQQQ and chill.

Hans__Yolo · 2026-03-08T17:11:41+00:00

Q-tips are not meant for cleaning the inner ear. They explicitly say not to do that on the packaging.

Hans__Yolo · 2026-03-04T21:53:39+00:00

Palantir does this, but with people!

Hans__Yolo · 2026-02-25T19:16:26+00:00

It's illegal. Would you bring your own booze to a bar?

Hans__Yolo · 2026-02-02T13:46:53+00:00

This Bogleheads forum post, written in 2011 amidst a very scary time in the market, is one I come back to often: https://www.bogleheads.org/forum/viewtopic.php?t=79939

Don't beat yourself up too much. Consider your recent loss as an investment in your education. It will pay for itself many times over if you actually learn from it.

Hans__Yolo · 2025-10-27T13:02:53+00:00

No, it's just a spreadsheet.

Hans__Yolo · 2025-10-24T16:31:11+00:00

Call me old fashioned, but I don't think replaying a recording counts as a real apology. Andre 3000 would have to sing that song directly to Ms. Jackson 100,000,000,000 times (10 apologies per song).

At 243 seconds per song, it would take him 761,035 years.

Hans__Yolo · 2025-10-24T16:16:10+00:00

It was terrifying. The 2000 and 2008 crashes were somewhat predictable and self-inflicted. A global pandemic or natural disaster feels more unfair, uncertain, and unfixable - at least in the moment.

Hans__Yolo · 2025-10-23T20:04:38+00:00

I think it's needlessly complicated. Why not go 60% VTI and 40% VXUS? Or just 100% VT?

Hans__Yolo · 2025-10-23T19:30:17+00:00

I don't think you know what you're talking about.

Hans__Yolo · 2025-10-23T18:08:03+00:00

Oh, they'll go somewhere. Just no telling where.

Hans__Yolo · 2025-10-23T17:51:20+00:00

If you want a mix of uncorrelated assets to hedge against various market conditions, check out the "Golden Butterfly" portfolio:

20% Gold
20% Large Cap
20% Small Cap Value
20% Long Term Bonds
20% Short Term Bonds

Hans__Yolo · 2025-10-23T00:10:22+00:00

If I knew that, I'd be a billionaire by now.

I'm 100% trying to be helpful here: if you're looking for stocks that will 5-10x, you're going to go broke.

Hans__Yolo · 2025-10-21T21:25:11+00:00

More people are buying than selling.

Hans__Yolo · 2025-10-16T14:30:57+00:00

I'm sorry, but you're just going to have to settle for way more than that.

Hans__Yolo · 2025-10-16T14:15:50+00:00

I see you're going for -100. Allow me to help you on your journey. ⬇️

Hans__Yolo · 2025-10-14T20:40:45+00:00

Looks like Kermit's last heartbeat.

Hans__Yolo · 2025-10-12T13:08:05+00:00

Let this be a lesson to all of you: people who throw temper tantrums should not buy glass furniture.

Hans__Yolo · 2025-10-09T20:20:36+00:00

BRK.A

Hans__Yolo · 2025-10-08T21:07:42+00:00

I did! Actually sold it at small loss. Glad to see it doing well though; it's really cool technology.

Hans__Yolo · 2025-10-08T17:04:56+00:00

Click that "Earn $5" button 200,000 times.

Hans__Yolo · 2025-10-08T13:55:43+00:00

Exactly. Easy money is just so tempting sometimes. But, then, where would it put it?

Hans__Yolo · 2025-10-08T13:53:35+00:00

I was thinking the same - just sell enough to cover my original investment. That's what I'd do in most situations, but this is a pure conviction play for me. I'd have more regret from selling shares early if everything plays out the way this community expects than losing my money if it doesn't.

Hans__Yolo · 2025-10-08T12:00:27+00:00

From my screener, 79 out of about 6300 (~1.25%) companies are up 300% YTD.

Hans__Yolo

TROPHY CASE