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Need help on an index fund decision for custodial Roth IRA

Posted on 9/1/26 at 3:33 pm
Posted by brightside878
Baton Rouge
Member since Sep 2009
1653 posts
Posted on 9/1/26 at 3:33 pm
I’m funding my children’s Roth IRA‘s and can’t decide on an index fund. I can mindlessly dump into once a year. Currently have them set up in VUG, but would VOO be a better option? Completely open to any other suggestions as well.
Posted by Fat Bastard
alter hunter
Member since Mar 2009
92572 posts
Posted on 9/1/26 at 3:50 pm to
both are great. i have VOO and VIGAX the MF version of VUG.

there is no wrong answer.

I'd drop some money in QQQ also. my auto dumps go into VOO and QQQ.

see some returns below and comparisons.

LINK
Posted by Skippy1013
Lafayette, La
Member since Oct 2017
848 posts
Posted on 9/1/26 at 3:51 pm to
QQQM for the long term. They are young, so be aggressive.
Posted by Snoopy04
Republic of Texas
Member since Aug 2015
3336 posts
Posted on 9/1/26 at 3:52 pm to
Spread it out some.

VOO - 60%
VUG - 30%
VGT - 10% (i don't see tech slowing down for the foreseeable future)

Indexes that follow the S&P in the long run don't have much difference in their performance, so I wouldn't analysis paralysis yourself in that category.
Posted by geauxpurple
New Orleans
Member since Jul 2014
17829 posts
Posted on 9/1/26 at 4:03 pm to
Vanguard Total Stock Market.
Posted by makersmark1
earth
Member since Oct 2011
21640 posts
Posted on 9/1/26 at 4:24 pm to
VTI may be reasonable.

It’s great your kids are earning income.

My son opened his own Roth IRA after making money when he was 17.
VTI was his first purchase.
Posted by LEASTBAY
Member since Aug 2007
16691 posts
Posted on 9/1/26 at 4:59 pm to
Have my 8 year old mostly in QQQM. It's done well. Probably can't go wrong with the vanguard funds either
Posted by T1gerNate
Member since Feb 2020
4114 posts
Posted on 9/1/26 at 5:10 pm to
Just one man’s opinion, but I believe VT is superior to VOO.
Posted by Arthur Bach
Member since Jul 2016
3398 posts
Posted on 9/1/26 at 6:36 pm to
I’ll bet whatever you choose turns out okay

You seem like a great parent

Posted by KWL85
Member since Mar 2023
4002 posts
Posted on 9/1/26 at 6:40 pm to
I did 80% VOO and 20% nvda for my grandkids 4 or 5 years ago.
Posted by lsuconnman
Baton rouge
Member since Feb 2007
5619 posts
Posted on 9/1/26 at 6:46 pm to
It’s a Roth…he can’t touch it for what 60 years? It’s parental malpractice not to go 100% VGT.
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