How to Money · Monday, August 10, 2026
Audrey, new to investing, is funding her Roth IRA with VOO and her father is sending her website links with specific ETF and stock picks that change based on market conditions. She questions if this is necessary given that low-cost index funds already cover major stocks like Amazon and Microsoft.
“Since I don't really have any experience in the marketplace, I invested the money that I've put in my wrath Ira into VU. After telling my dad that I got a wrath Ira, he's been sending me a website of advice that he follows. The guy basically suggests a couple different ETFs and stocks that you should invest in every month, and he changes them out based on how the stock market is doing and what is going on in the world.”
“But it's my understanding that the low cost index funds cover pretty much all important stocks. I don't know if they cover ETFs at all, but they should cover things like Amazon, Microsoft, IBM, Nike, and stuff like that. So there's really no reason to double invest in them, right?”
“I guess I'm just looking for general advice on what to invest in. Should I only be investing in VU or should I be looking into other options as well? Not really sure how the whole investing side of the wrath IRA works.”