Background: I’m 29 years old and currently have about $125k invested across TSP, Roth IRA, and a brokerage. About 20k in debt that I’m paying off (credit card with locked low rate due to SCRA)Very stable job making about 100k p/y My current approach is long-term investing with a heavy focus on growth, and I’m comfortable riding out market ups and downs.
I’ve been looking at VOO vs VOOG and trying to think through the tradeoffs. I like the idea of focusing more on growth, but I also understand the benefit of just sticking with a broad S&P 500 fund and keeping expense ratios low.
I guess what I’m really asking is:
What are the pros/cons of investing in VOO vs VOOG when you have the time to ride the ups and downs?
With VOOG being more tech-heavy, does the current AI money being concentrated in a handful of companies make it more unstable looking forward?
Are there any big differences tax-wise between holding one vs the other in tax-advantaged accounts (Roth/TSP) vs a taxable brokerage?
Does it make more sense to just pick one, or run some mix of the two?
Curious what others think, especially anyone who’s held VOOG through different market cycles.