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VOO

Financial Analysis Report: Vanguard S&P 500 ETF (VOO)

1. Overview of VOO

The Vanguard S&P 500 ETF (VOO) is an exchange-traded fund (ETF) designed to track the performance of the S&P 500 Index, which includes 500 of the largest publicly traded companies in the United States. The fund provides broad market exposure to large-cap equities, offering investors a diversified and low-cost way to participate in the U.S. stock market.

  • Ticker Symbol: VOO
  • Issuer: Vanguard
  • Expense Ratio: 0.03% (one of the lowest in the industry)
  • Dividend Yield: ~1.4% (varies based on market conditions)
  • Inception Date: September 7, 2010
  • Assets Under Management (AUM): $1+ trillion

2. Performance Analysis

VOO has historically mirrored the performance of the S&P 500, providing consistent long-term returns.

2.1 YTD and Historical Returns
Time Period Return (%)
YTD (2024) +12.5%
1-Year +14.3%
3-Year (CAGR) +9.1%
5-Year (CAGR) +11.7%
10-Year (CAGR) +12.5%
  • The fund has maintained an average annual return of ~10–12%, making it an attractive investment for long-term investors.
  • VOO has outperformed many actively managed funds due to its low costs and passive index-tracking approach.
2.2 Risk and Volatility
  • Beta: 1.00 (indicating it moves in line with the S&P 500)
  • Standard Deviation (5-Year): ~16.5% (moderate volatility)
  • Sharpe Ratio: ~0.75 (suggesting a favorable risk-adjusted return)

3. Portfolio Composition

VOO is a market-cap-weighted ETF that holds all 500 stocks of the S&P 500. The top holdings as of Q4 2024 are:

Rank Company Sector Weight (%)
1 Apple (AAPL) Technology 7.1%
2 Microsoft (MSFT) Technology 6.8%
3 Amazon (AMZN) Consumer Discretionary 3.5%
4 Nvidia (NVDA) Technology 3.2%
5 Alphabet (GOOGL) Communication Services 3.1%
6 Berkshire Hathaway (BRK.B) Financials 2.0%
7 Tesla (TSLA) Consumer Discretionary 1.9%
8 Meta (META) Communication Services 1.8%
9 UnitedHealth (UNH) Healthcare 1.6%
10 ExxonMobil (XOM) Energy 1.5%
  • Sector Allocation:
  • Technology: 28%
  • Healthcare: 13%
  • Consumer Discretionary: 12%
  • Financials: 11%
  • Communication Services: 9%
  • Industrials: 8%

  • Other: 19%

  • VOO is heavily weighted toward the technology sector, which has been a key driver of its performance.

4. Strengths and Risks

4.1 Strengths
  • Diversification: Exposure to 500 leading U.S. companies across various industries.
  • Low Expense Ratio: At 0.03%, it is significantly cheaper than actively managed funds.
  • Strong Historical Performance: Consistently provides long-term returns of ~10–12% per year.
  • Liquidity: One of the most actively traded ETFs with tight bid-ask spreads.
4.2 Risks
  • Market Risk: Since VOO tracks the S&P 500, a downturn in the U.S. economy or stock market will impact its performance.
  • Sector Concentration: Technology stocks make up a significant portion, increasing exposure to tech sector volatility.
  • Dividend Yield: At ~1.4%, VOO’s yield is lower than dividend-focused ETFs, making it less attractive for income investors.

5. Investment Outlook

5.1 Short-Term Outlook (Next 6–12 Months)
  • Given strong earnings reports from major tech companies and resilient U.S. consumer spending, VOO is likely to continue growing in Q4 2024 and into 2025.
  • Federal Reserve interest rate decisions will play a key role in short-term volatility.
  • Expected S&P 500 returns: 5–8% over the next year.
5.2 Long-Term Outlook (5–10 Years)
  • The S&P 500 has historically delivered ~10% annualized returns over the long term.
  • The growth of AI, cloud computing, and digital services will continue to drive earnings for large-cap U.S. companies.
  • VOO remains an excellent core holding for long-term investors seeking market returns with minimal fees.

6. Recommendation

  • For Long-Term Investors: Strong Buy – VOO is an ideal low-cost, diversified ETF for passive investing and wealth accumulation.
  • For Short-Term Traders: Hold – The market is at all-time highs; potential pullbacks could provide better entry points.
  • For Income Investors: Consider Alternatives – Those seeking higher dividends might prefer funds like VYM (Vanguard High Dividend Yield ETF).

7. Conclusion

The Vanguard S&P 500 ETF (VOO) remains one of the best options for investors looking for broad U.S. market exposure, low fees, and long-term capital appreciation. While it carries market risk, its historical performance and diversification make it a top choice for both new and experienced investors.

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VT

Financial Analysis Report: Vanguard Total World Stock ETF (VT)

1. Executive Summary

The Vanguard Total World Stock ETF (VT) provides investors with a globally diversified equity portfolio, tracking the FTSE Global All Cap Index. This ETF encompasses large-, mid-, and small-cap stocks from both developed and emerging markets, making it a core holding for long-term investors seeking global diversification. The fund has a low expense ratio and has historically delivered competitive returns relative to global equity markets. This report analyzes VT's key financial metrics, portfolio composition, performance trends, risk factors, and investment outlook.

2. Fund Overview

2.1 Fund Objective and Strategy

VT aims to provide broad exposure to global equities by passively tracking the FTSE Global All Cap Index, ensuring long-term capital appreciation. Its holdings span multiple geographies and sectors, reflecting the global market composition.

2.2 Key Details

  • Fund Sponsor: Vanguard
  • Inception Date: June 24, 2008
  • Expense Ratio: 0.07%
  • Assets Under Management (AUM): $42.417 billion (as of February 2025)
  • Number of Holdings: Over 9,000 stocks
  • Dividend Yield: 2.88% (Trailing 12 Months)
  • Ticker Symbol: VT
  • Exchange: NYSE Arca

3. Portfolio Composition & Asset Allocation

3.1 Regional Allocation

VT provides exposure to a diversified set of equities worldwide, with the following approximate allocation: - North America: 60% (U.S. and Canada) - Europe: 15% - Asia-Pacific: 15% - Emerging Markets: 10%

3.2 Sector Allocation

As of December 31, 2024, VT's sector allocations are: - Technology: 27.6% - Financials: 15.0% - Consumer Discretionary: 14.5% - Industrials: 13.6% - Healthcare: 9.4% - Consumer Staples: 4.7% - Energy: 4.0% - Basic Materials: 3.1% - Utilities: 2.8% - Real Estate: 2.7% - Telecommunications: 2.6%

3.3 Top Holdings

VT holds a wide range of stocks, with its largest holdings being: 1. Apple Inc. (AAPL) 2. Microsoft Corp. (MSFT) 3. Amazon.com Inc. (AMZN) 4. NVIDIA Corp. (NVDA) 5. Alphabet Inc. (GOOGL)

These top five holdings account for a significant portion of the fund’s total assets and contribute to its strong historical performance.

4. Performance Analysis

4.1 Historical Performance

Year VT Price Return (%) Benchmark Return (%)
2024 14.2% 14.5%
2023 17.3% 17.8%
2022 -18.4% -18.1%
2021 21.2% 21.5%
2020 16.5% 16.8%

Over the past decade, VT has provided an average annual return of 9.53%, closely tracking the global equity market.

4.2 Year-to-Date (YTD) Performance

As of February 8, 2025, VT has delivered a YTD return of 3.24%, driven by strong technology sector performance and continued economic resilience in the U.S.

4.3 Dividend History

VT provides a dividend yield of 2.88%, with quarterly distributions. The ETF's dividend growth rate over the past five years has averaged 10.85% annually.

5. Risk Factors

5.1 Market Risk

Since VT is a globally diversified fund, it is subject to broad market fluctuations based on economic conditions, interest rate changes, and global economic cycles.

5.2 Currency Risk

VT holds assets in multiple currencies, exposing investors to foreign exchange fluctuations. A strong U.S. dollar can negatively impact returns from non-U.S. holdings.

5.3 Emerging Market Volatility

Approximately 10% of VT’s holdings are in emerging markets, which are subject to political instability, inflation, and regulatory changes.

5.4 Economic Downturns

A global recession or economic slowdown in major markets could negatively impact VT’s performance, reducing corporate earnings and market valuations.

6. Investment Outlook & Recommendations

6.1 Bull Case (Positive Scenario)

  • Continued Technology Growth: If the technology sector maintains its momentum, VT could see significant gains.
  • U.S. Market Strength: A resilient U.S. stock market, which comprises a majority of VT, could further boost returns.
  • Emerging Market Recovery: A rebound in emerging markets would enhance diversification benefits and overall returns.

6.2 Bear Case (Negative Scenario)

  • Global Recession Risks: Economic slowdowns in key markets could lead to declining stock valuations.
  • Geopolitical Tensions: Trade disputes, conflicts, or political instability in major regions could negatively impact VT’s performance.
  • Interest Rate Hikes: If central banks maintain a tight monetary policy, equity valuations could face downward pressure.

6.3 Recommendation

For long-term investors, VT remains a strong choice due to its broad diversification, low expense ratio, and exposure to global markets. However, investors with a short-term horizon should be cautious about market volatility.

  • Risk-Averse Investors: Hold VT as a core component of a well-diversified portfolio.
  • Aggressive Investors: Consider adding sector-specific ETFs for higher returns while keeping VT as a foundational investment.

7. Conclusion

The Vanguard Total World Stock ETF (VT) is a compelling investment for those seeking global diversification at a low cost. Its broad exposure to equities worldwide makes it a resilient choice for long-term investors. While risks exist, VT has historically delivered solid returns and remains an attractive option for those looking to gain exposure to the entire global equity market.

Disclosures

This report is for informational purposes only and does not constitute financial advice. Investors should conduct further research or consult a financial advisor before making investment decisions.

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VTI

Financial Analyst Report: Vanguard Total Stock Market ETF (VTI)

Ticker: VTI

Exchange: NYSE Arca

Asset Class: Equity

Category: Broad Market U.S. Stock ETF

Issuer: Vanguard

Expense Ratio: 0.03%

Dividend Yield: ~1.5%

1. Overview

Vanguard Total Stock Market ETF (VTI) is one of the most widely held exchange-traded funds (ETFs), designed to provide broad exposure to the entire U.S. equity market. The fund tracks the CRSP US Total Market Index, encompassing large-, mid-, small-, and micro-cap stocks, thereby reflecting the overall performance of the U.S. stock market.

2. Performance & Returns

Period YTD (%) 1-Year (%) 3-Year (%) 5-Year (%) 10-Year (%)
VTI 11.2% 17.5% 10.3% 12.7% 13.8%
S&P 500 10.5% 16.9% 9.8% 12.1% 13.4%

Data as of latest quarter-end

VTI has outperformed the S&P 500 in the long term due to its broader market exposure, particularly benefiting from small- and mid-cap stocks during economic expansions. However, during market downturns, its exposure to smaller, more volatile stocks can contribute to slightly higher drawdowns.

3. Holdings & Sector Allocation

VTI holds over 4,000 stocks, offering significant diversification. The top holdings include major tech companies, reflecting their large market capitalizations.

Top 5 Holdings (Approximate Weights)
  1. Apple Inc. (AAPL) – 7.2%
  2. Microsoft Corp. (MSFT) – 6.4%
  3. Amazon.com Inc. (AMZN) – 3.1%
  4. NVIDIA Corp. (NVDA) – 2.9%
  5. Alphabet Inc. (GOOGL) – 2.3%
Sector Breakdown:
Sector Allocation (%)
Technology 28.5%
Health Care 13.1%
Consumer Discretionary 12.4%
Financials 12.0%
Industrials 10.2%
Other 23.8%

The heavy weighting in technology has been a key driver of returns, benefiting from growth in artificial intelligence, cloud computing, and digital transformation.

4. Risk Factors

  1. Market Volatility – VTI is exposed to the overall stock market, meaning it will experience downturns in periods of economic uncertainty or market corrections.
  2. Interest Rate Sensitivity – Higher interest rates could put pressure on equities, particularly growth stocks.
  3. Sector Concentration – The technology sector comprises a large portion of the fund, posing risks if the sector underperforms.
  4. Small-Cap Exposure – While adding potential for higher returns, small-cap stocks can be more volatile and sensitive to economic downturns.

5. Investment Suitability & Recommendations

Investor Profile: VTI is ideal for long-term investors seeking broad diversification at a low cost. It is suitable for retirement portfolios, passive investors, and those looking for exposure to the entire U.S. stock market.

Pros: - Extremely low expense ratio (0.03%) - High diversification (~4,000 stocks) - Strong historical performance - Liquid and widely traded

Cons: - No active management (passive index tracking) - Exposure to market downturns - Heavy reliance on tech sector performance

Recommendation: VTI remains a strong long-term core holding for investors seeking U.S. equity exposure. Given its broad market reach and low expense ratio, it is a superior choice for passive investors. However, investors should monitor market conditions, particularly interest rate trends and sector-specific risks, to manage portfolio volatility effectively.

6. Conclusion

Vanguard Total Stock Market ETF (VTI) is one of the most efficient and diversified ways to gain exposure to the U.S. equity market. Its low expense ratio, broad coverage, and historical performance make it a top choice for investors with a long-term horizon. While short-term volatility remains a concern, its diversified structure mitigates risks associated with individual stock declines. Investors should consider adding VTI as a foundational component of their portfolio, complementing it with international or bond ETFs for a well-rounded allocation.

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VTWO

The Vanguard Russell 2000 ETF (VTWO) is designed to replicate the performance of the Russell 2000 Index, which measures the performance of small-capitalization stocks in the United States.

As of February 7, 2025, VTWO is trading at $91.40, reflecting a 1.20% decrease from the previous close.

The fund has an expense ratio of 0.10% and manages nearly $8 billion in assets.

The ETF's top holdings include FTAI Aviation Ltd. (FTAI) at 0.54%, Sprouts Farmers Market, Inc. (SFM) at 0.47%, and Insmed Incorporated (INSM) at 0.44%.

VTWO offers a dividend yield of 1.18%, with an annual dividend of $1.08 per share. Dividends are distributed quarterly, with the most recent ex-dividend date on December 23, 2024.

Analyst consensus rates VTWO as a "Moderate Buy," with an average 12-month price target of $115.96, suggesting potential upside.

Investors should be aware that small-cap stocks can exhibit higher volatility compared to large-cap stocks. Recent analyses have highlighted concerns about the quality of holdings within the Russell 2000 Index, suggesting that VTWO may have exposure to lower-quality stocks.

In summary, VTWO provides diversified exposure to U.S. small-cap equities with a low expense ratio. However, potential investors should consider the inherent volatility and quality of the underlying holdings when evaluating this ETF for their portfolios.

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VUG

The Vanguard Growth ETF (VUG) is a prominent exchange-traded fund that offers investors exposure to large-cap U.S. growth stocks. As of February 8, 2025, VUG is trading at $418.82, reflecting a slight decrease of 0.01% from the previous close.

Fund Overview

Launched on January 26, 2004, VUG seeks to replicate the performance of the CRSP US Large Cap Growth Index, which encompasses large-cap companies exhibiting strong growth characteristics. The fund boasts assets under management exceeding $153 billion, positioning it among the largest ETFs in its category.

Sector Allocation and Top Holdings

VUG's portfolio is heavily weighted towards the Information Technology sector, accounting for approximately 46.8% of its holdings. Consumer Discretionary and Telecommunications sectors follow, rounding out the top three allocations. The fund's top holdings include industry leaders such as Apple Inc. (11.52%), NVIDIA Corp., and Microsoft Corp. Collectively, the top ten holdings represent about 56.78% of the fund's total assets.

Performance Metrics

Over the past year, VUG has delivered a return of approximately 30.27%. The fund's beta stands at 1.12, indicating a slightly higher volatility compared to the broader market. Its standard deviation over the trailing three-year period is 23.15%, reflecting moderate risk within its investment space.

Analyst Insights

Analysts maintain a favorable outlook on VUG, with a consensus rating of "Strong Buy." The average 12-month price target is $479.29, suggesting potential upside from its current price. This optimism is underpinned by the fund's strategic focus on high-growth sectors and its inclusion of companies with robust earnings trajectories.

Expense Ratio and Dividend Yield

VUG is recognized for its cost-efficiency, featuring an annual operating expense ratio of 0.04%, which is competitive within the ETF landscape. The fund offers a 12-month trailing dividend yield of 0.47%, providing investors with a modest income stream alongside capital appreciation potential.

Conclusion

The Vanguard Growth ETF presents a compelling opportunity for investors aiming to gain exposure to large-cap growth stocks in the U.S. market. Its diversified portfolio, strong performance history, and low expense ratio make it an attractive option for those seeking growth-oriented investments.

Please note that past performance is not indicative of future results. It's essential to consider your individual financial situation and consult with a financial advisor before making investment decisions.

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VYM

Financial Analysis Report: Vanguard High Dividend Yield ETF (VYM)

1. Overview of VYM

The Vanguard High Dividend Yield ETF (VYM) is an exchange-traded fund designed to provide investors with exposure to high-dividend-yielding stocks in the U.S. equity market. Managed by Vanguard, VYM tracks the FTSE High Dividend Yield Index, which consists of companies that typically pay above-average dividends. The fund is popular among income-focused investors seeking steady cash flows and potential long-term capital appreciation.

2. Key Facts
  • Ticker Symbol: VYM
  • Issuer: Vanguard
  • Expense Ratio: 0.06%
  • Dividend Yield (TTM): Approximately 2.74% as of 2024 - Assets Under Management (AUM): Approximately $61.426 billion as of 2025
  • Holdings: Over 530 large-cap U.S. companies
  • Inception Date: November 10, 2006
  • Index Tracked: FTSE High Dividend Yield Index
3. Performance Analysis
Historical Returns (as of January 31, 2025)
Period VYM Return S&P 500 Return
YTD 3.74% 3.52%
1-Year 21.08% 25.02%
5-Year 11.12% 13.29%
10-Year 10.50% 13.29%
  • YTD (Year-to-Date): VYM has returned 3.74%, slightly outperforming the S&P 500's 3.52%.
  • 1-Year: VYM delivered a 21.08% return, underperforming the S&P 500's 25.02%.
  • 5-Year: VYM achieved an annualized return of 11.12%, compared to the S&P 500's 13.29%.
  • 10-Year: VYM's annualized return was 10.50%, while the S&P 500 returned 13.29%.
Dividend Growth
  • In 2024, VYM provided a dividend yield of approximately 2.74%. - The ETF has a history of consistent dividend growth, typically increasing its payout annually.
  • Dividends are distributed quarterly, offering regular income to investors.
4. Portfolio Composition
Sector Allocation
Sector Allocation (%)
Financials 23.0%
Consumer Staples 12.7%
Information Technology 12.6%
Industrials 12.0%
Health Care 11.2%
Energy 9.3%
Consumer Discretionary 7.2%
Utilities 6.5%
Communication Services 3.2%
Materials 2.4%
Real Estate 0.0%
  • VYM has significant allocations in Financials and Consumer Staples, sectors known for stable and high dividend yields.
  • Compared to broader market ETFs like the Vanguard Total Stock Market ETF (VTI), VYM has less exposure to technology stocks, which often have lower or no dividend payouts.
Top Holdings
Company Ticker % of Portfolio
Broadcom Inc. AVGO 6.00%
JPMorgan Chase & Co. JPM 3.84%
Exxon Mobil Corp. XOM 2.75%
Procter & Gamble Co. PG 2.25%
Walmart Inc. WMT 2.23%
  • The fund is well-diversified with over 530 holdings, reducing company-specific risk.
5. Risk and Volatility
  • Lower Volatility: VYM tends to be less volatile than growth-oriented funds like the Invesco QQQ Trust (QQQ), due to its focus on mature, dividend-paying companies.
  • Interest Rate Sensitivity: Dividend stocks are sensitive to interest rate changes; when rates rise, high-yield stocks may become less attractive compared to fixed-income investments.
  • Sector Risks: Heavy exposure to financials and consumer staples means VYM’s performance can be affected by economic downturns or regulatory changes impacting these industries.
6. Suitability for Investors

VYM is best suited for: - Income-focused investors looking for consistent and growing dividend payouts. - Long-term investors who prefer stable, large-cap dividend stocks. - Those seeking broad diversification in dividend-paying U.S. companies. - Investors desiring lower volatility compared to growth-heavy ETFs like QQQ.

Not ideal for: - Investors seeking high growth or tech-heavy exposure. - Short-term traders, as dividend ETFs typically reward long-term holders. - Those who prioritize total return over income, as VYM may underperform during bull markets.

7. Conclusion

The Vanguard High Dividend Yield ETF (VYM) is an excellent choice for income investors seeking a steady and growing dividend stream with moderate capital appreciation. Its low expense ratio, strong diversification, and history of stable dividends make it a reliable core holding in dividend-focused portfolios. However, investors should be aware of interest rate sensitivity and sector concentration risks before investing.

Investment Verdict: 🟢 BUY for Long-Term Income Investors

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XLP

The Consumer Staples Select Sector SPDR Fund (XLP) is an exchange-traded fund (ETF) that aims to replicate the performance of the Consumer Staples Select Sector Index, which represents the consumer staples sector of the S&P 500 Index. This sector includes industries such as food and staples retailing, beverages, food products, tobacco, household products, and personal care products.

As of February 7, 2025, XLP is trading at $79.35, reflecting a slight decrease of 0.14% from the previous close. The fund's net asset value (NAV) is $79.50, with assets under management totaling approximately $16.5 billion. Notably, on January 31, 2025, the fund's expense ratio was reduced from 0.09% to 0.08%, making it a cost-effective option for investors seeking exposure to the consumer staples sector.

XLP comprises 38 holdings, with the top allocations as follows:

Company Ticker Allocation
Costco Wholesale Corporation COST 11.23%
Walmart Inc. WMT 10.78%
The Procter & Gamble Company PG 9.60%
The Coca-Cola Company KO 5.93%
Philip Morris International Inc. PM 5.45%

The fund's beta is 0.30, indicating lower sensitivity to overall market movements, which can be beneficial during market volatility. Additionally, XLP offers a dividend yield of 2.74%, with an annual dividend of $2.18 per share, distributed quarterly.

Analyst consensus rates XLP as a "Moderate Buy," with an average 12-month price target of $86.58, suggesting potential upside from its current price.

In summary, XLP provides targeted exposure to the consumer staples sector, offering potential for stable returns and income through dividends. Its low expense ratio and defensive characteristics make it an attractive option for investors seeking to mitigate risk in their portfolios.

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SPY

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IVV

The trend for IVV is predicted to go up tomorrow.

Headlines

The latest headline concerning the iShares Core S&P 500 ETF (IVV) reports that the fund experienced a rise driven by positive market sentiment. Oppenheimer Asset Management has increased its year-end S&P 500 target to 5,900, reflecting a bullish outlook on the broader market. Additionally, the ETF has been highlighted for its performance, with specific analysis pointing to strong earnings growth in the S&P 500 for the second quarter of 2024, projected to rise by 8.1%.

Sentiment analysis

The increase in the year-end S&P 500 target to 5,900 by Oppenheimer Asset Management suggests a positive outlook for the broader market, which is beneficial for IVV in the short term.

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NVDA

The trend for NVDA is predicted to go up tomorrow.

Headlines

The latest headline about NVIDIA Corporation (NVDA) is that the French competition authority has confirmed an investigation into NVIDIA. This investigation comes as NVIDIA continues to navigate competitive pressures and maintain its market position in the AI and semiconductor industries​.

Sentiment analysis

The impact of the investigation by the French competition authority on NVIDIA's stock price is uncertain and could depend on the investigation's findings and market perception.