Savings sitting in USFR, but eyeing VOO/SPY.

A community member cites that VOO has provided a 10% average annual return since 1928. This historical performance suggests a significant long-term opportunity cost for savings held in low-risk instruments like USFR (a Treasury floating rate ETF). The trade idea is to allocate capital from cash-like holdings (USFR) to VOO to capture the equity risk premium and higher expected long-term returns. The thread contains no counter-arguments. General risks include: historical performance not guaranteeing future results, and short-term market volatility versus the stability of USFR.