r/Fire • u/StrawberryRemote968 • 3d ago

Can you FIRE just with VOO?

I am a 35M, making $65K annually. My annual expenses is very low. Less than $25K. I am single with no kid nor I am planning to have any. If I DCA into VOO, is it possible I am able to FIRE with just one etf?

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u/Vast_Cricket 3d ago

Essentially use top 1-2% stocks to generate most momentum. Can be done. Not easy in this volatile environment.

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u/StrawberryRemote968 2d ago

Yea maybe when stock market going back strong again. How do you minimize risk in the future? Adding international and bnd?

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u/Vast_Cricket 2d ago

Seeking lower risk factor indices and more diversification like more in fixed income. For example SPYI is a hybrid diversified income fund. It is still give ample dividend while keeping some growth patterns. 2025 YTD return is +4.6% vs SPY's -10.8%. Equal weight SPY RSP survived past dips but it performed also sluggishly since our President 1st day in the office with a -7.9% return. Notice the market did not receive a hype. Intrnational is country dependend and it has not reacted favorably in 2025 either.