Reddit Posts
What are the difference of these leverages. QQQ on margin vs QLD
QLD... Why All the Warnings to Not Hold it Long Term?
I locked myself in a box spread and levered myself at 3.33x on SPY/QQQ
Dollar cost averaging JEPI ETF and some QLD trading is keeping me afloat
Investing student loan into TQQQ? Good idea or meh
Analysis of LEAPS on Base (1x) vs Leveraged (3x) Securities
Dip Buying BackTesting - SPY & QQQ with Leveraged Accounts
Anyone just trying to match SPY with minimum drawdowns?
I need help with QLD investing (aggressive investment strategy)
What’s better: a 2x leverage ETF or a deep ITM leap that has 2x leverage on the same underlying?
Mentions
Does anyone here own shares? I do! TQQQ baby Slowly selling that off and buying QLD
QLD is the safer pay with great returns. You'll either want to dca into it over a decent period of time (years) or wait for a correction (yes these happen often) and lump sum in
Sorry, should have clarified. I now contribute $6k a month. In 2023 I received a tax free settlement of 46k that I put the entire amount into investments. Also, in 2022, I started in September and maxed out my 401k that year, and have front loaded maxing out the $401k with catch up since. I also front loaded backdoor Roth Ira’s as well and then move on to the rest in a brokerage account. In 401k about as aggressive as I can with the offerings. In the brokerage account, mostly QLD and SSO.
I am slowly selling off my tqqq that I bought on large corrections and then buying QLD on these smaller dips
I keep 10% TQQQ in my growth-focused brokerage account along with growth and theme etfs, as a kind of mirror of what I do in my IRA but buy and hold ETFs instead of actively managed stocks. The 10% isn't enough to cause a problem but enough to significantly boost returns overall. Higher peaks but the dips are no lower than it would be without it. The past isn't the future, but you could have held QLD or TQQQ for the past decade and done incredibly well, even the worst dips were still higher than the index after you held for at least a year. Keep it small and it's safe. Or set up a system where you exit if it hits the 200ma and re-enter when it crosses back above.
There is a letf reddit. And people post many strategy. I think not many people buy and hold leverage etf, they go in and out and rebalance because it is so risky. I also want to point out there is sso, 2x voo. I think YTD QLD outperform SSO, but I think for 5 years SSO and QLD is really close, most likely due to decay. So if you want slight lower risk, SSO is also an option. During a market crash qqq might crash 30%, but voo 20%. I think you can also don't use leverage, for example buy spmo. I think spmo 5 year is 135%, and qld 173%. For some strange reason in recent years spmo don't drop much during market crash. I think another strategy is only use leverage after a crash. Many ways to play around with it.
QLD is probably fine but you get fucked in the rare time markets trade sideways for an extended period of time
I can assure you nothing on testfolio is broken. Remember, this is $500 a month invested into TQQQ since 1995, with that $500 adjusted for inflation as time goes on, so it will always eventually "recover". In theory. But yes, you need balls of steel. QLD / Nasdaq 2x is probably more palatable for most normal humans.
Since OP is a teenager, in HS? Here’s a sincere financial advice I wish I knew when I was your age. Buy the dip of M7 stocks like NVDA, TSLA, APPL, MSFT, buy index ETF like SPY, VOO, TQQQ, QLD. And forget about it till you graduate college. Don’t touch penny stocks nor options nor futures (derivatives) and etc. This is the only safe way so ignore other paths. Nobody genuinely cares about your small $2k bag except yourself so listen to me.
Maybe look at QLD instead which is 2x QQQ.
because in the long term... the nasdaq will have a 50% decline at some point, you're effectively going to lose 99% of whatever you have in it. if you plan on dollar cost averaging, use QLD, its 2x. the 3x leveraged ETF's just don't work with market declines over 20%
Been buying this recently. Not sure if I should turn on drip or put dividends into QLD. But in a good correction I am getting TQQQ. I bought everything month in 2022 and 2023 like clockwork.
DRIP stands for dividend reinvestment program. It’s where you automatically reinvest your divs back into the stock or fund. DCA means you just keep contributing the same amount each paycheck regardless of price. QLD is just a 2x leveraged QQQ. And QQQI is a covered call fund for QQQ. I prefer holding a split of those two to QQQ itself.
both QLD and QQQ Imove similarly. DCA and DRIP... is tht the program where you lend out your stocks and you just keep holding the stocks?
Around 15% on the year with that account. QLD is to take advantage of bull markets, QQQI is for sideways markets. If we’re in a bear market, whatever. That’s why I DCA and DRIP my QQQI dividends, if the market continues its long term growth then it should perform fine in the long term.
2x leverage is generally accepted to be the best long term hold. SSO for S&P, QLD for the Nasdaq. For me, I hold QLD and QQQI in my ‘invest and forget’ account.
Yeah and imagine your all in on QLD rn.
QLD, TQQQ, XAR, SMH.... I might even buy a little SQQQ <$13, for the next "correction".
I just recently reduced my exposure on some volatile ass stocks and put more money on the dips into QLD and SPUU. Just double the indexes. Personally, I needed to reduce my risk as I maxed mine out. A portion of my portfolio I like to just set and forget - and the decay in the doubles is no where near the decay of triple leverage positions. I’m just 1 decade of experience in the market though but my portfolio has done very well!
I'm assuming your entire portfolio is in TQQQ and QLD. You're killing it dude, good job.
#FUK well I’m selling one of my houses for $650K and I might dump into QLD if we keep dropping
You don't need options income, you need (at least some) leverage. SSO, UPRO, QLD, QQUP, BTGD, BEGS etc
I sell any leveraged funds like QLD that are long. Also selling some qqqm but I wanted to move a bit to schg anyway once I time the market perfectly I’ll buy low, fool proof plan here.
QQQM is good. I would drop the single stocks and replace them with similarly volatile (but high expected return) instruments like crypto, precious metals and/or leveraged large cap (IBIT, GLDM, BTGD, BEGS, QQUP, QLD etc) A safer place to park your money but still get decent returns is STRC, especially if you're a crypto believer
Backtesting (simulation) aside, I bought QLD (2x QQQ) in September 2009, split adjusted cost base is $1.42, and current price of QLD is \~$140, almost x100 of initial investment. My only regret is I only bought 100 shares back then, and after five 2 for 1 splits (another 2-1 split comes next week), I currently hold 3,200 shares.
I think high risk is any leverage fund...QLD, SPYU, TQQQ, etc. I have been holding QLD for an over a year. Most say it is not for long holds, but it is about doubled. But when there is a crash, which there will be this will be hit hard.
My personal theory is our economy will be in a "melt-up" for the foreseeable future. Why? Because of past precedent, and several upcoming events. Past precedent is when the economy shows signs of slowing down in terms of the job market, or when the stock market cools, then the federal reserve will typically try to inject stimulus/liquidity into the market by either cutting rates or printing money, sometimes both. If there are recession indicators, the fed will proactively take action to course correct and "keep the party going." The federal government keeps spending more money. Deficit grows year over year. National debt is nearly 38 trillion. Debt to GDP ratio is near unsustainable levels, over 100%. The government doesn't want to raise taxes, but it doesn't want to cut social programs either. The interest payments to service our national debt are one of our nation's largest expenditures, greater than the defense budget. International demand for U.S. treasuries is falling. Now gold is the largest reserve asset held by foreign central banks, a radical shift away from a decades long trend of U.S. treasuries being the primary reserve asset. The fed has managed to reduce a large portion of its balance sheet over the past few years, but it's slowing that rate and now it's opening up its repo facility vehicle once again to buy overnight assets. The U.S. treasury market got exposed earlier this year during our first stalemate with China, after a week of a trade war the yield curve and treasury demand was unsustainable. Trump TACOed and we are mostly posturing against a strong Chinese economy which supplies a lot of things that we simply don't have the capacity to make, and we won't be able to make for years. BRICs nations are increasing their gold reserves, the dollar's dominance is fading in the short term. In the long term, stable coins may be used to increase treasury demand, lower the yield rates, and serve as a sponge to soak up excess debt and dollars, and extend the demand for the dollar as a safe haven asset to economies around the world. If successful, this will allow the federal reserve and US government to continue printing and spending as per usual without any short term reckoning for the looming debt problems. There is a disconnect between corporate profits and stock valuations. Stock prices have risen disproportionately and corporate earnings have not kept up. Most of the S&P 500 has been growing at a very modest rate, the Magnificent 8 has accounted for most market cap growth and now these 8 companies make up roughly 40% of the S&P500. Real inflation is well above the federal reserves 2-3% target, and inflation will continue for as long as the QE / stimulus / rate cuts continue. The M2 money supply is at all time highs, and the amount of money in circulation is growing. What this all means is yes, there is essentially a stock market bubble. The upper class and upper middle class have a healthy surplus of dollars and they will continue to invest and drive valuations higher. This bubble can continue for many, many years. Fed policy and government spending will determine when the bubble pops, if ever. We may just be seeing minor 3-5% corrections a few times a year, with the occasional 10%+ drawdown every few years. The market can continue to make record highs. Also, federal reserve seats are going to be open and the Trump admin is likely going to nominate candidates that will run the economy hot. There are 12 regional bank seats opening up for reappointment or replacement in February 2026. While reappointment is the norm, this is also a chance to make change bank presidents which can influence fiscal policy. Also, Jerome Powell's appointment as Fed Chair is expiring May 2026. Trump loves to make the stock market go up, even if it means higher inflation, more QE, more money printing, etc. So how do we weather the likely oncoming inflationary melt up? Preserve your purchasing power by investing in high quality growth oriented mag 8 companies, consider adding some leveraged QLD or TQQQ as a small allocation, invest in gold (the #1 reserve asset held by central banks, and the worldwide supply of gold increases by about 1% annually, compare that to the amount of money in circulation increasing by 4-5% per year recently.) Also invest a small amount of your portfolio in Bitcoin which has outperformed the stock market most years, despite it's extremely volatility. There is a finite supply of Bitcoin and a high Bitcoin price / larger Bitcoin market cap benefits the US government since the govt is using stablecoins as a means to increase demand for U.S. debt. Safe and invest your excess fiat, because the long term trend over the coming decades is dollar devaluation in order to increase monetary supply, increase liquidity, devalue our debt, and lower our debt to GDP ratio. It's an interesting time in our nation's history, and although the economic landscape is changing, the economy is still relatively healthy, the stock market will continue to grow, and the dollar will remain a powerful and influential currency, although perhaps a little weaker in the long term. There's still great investment opportunities we just need to be safe.
no way this is 2015 probably 2014 or before https://totalrealreturns.com/n/VFINX,USDOLLAR,QQQ,QLD?start=2015-01-01 stop with the crap
QLD is a 2x keveraged etf, and leverage in QLD resets daily. It is meant for short term trading, not long term investing as you get absolutely cooked in any market drops. Ex: QQQ vs QLD starting with $100 day 1: market up 10% QQQ at $110 QLD at $120 (2x leverage so up 20%) Day 2: market down 9% QQQ at $100.1 QLD at $98.4 (down 18%) Over time the compounding will do it's work and keep you behind an unleveraged ETF. Bull runs like the 2010s are not common and are one of the few instances leveraged ETFs actually did well in the medium term. Best bet for long term leverage is a slight amount of margin.
Ok. First question: do you know what QLD is?
Long term and you can handle massive (like straight up anxiety inducing) swings without being kept up at night? QLD. But never go 100% in anything. Always diversify.
Go for the 2x versions, QLD (NDX) or SSO (SPX). Couple with 2x long duration treasuries (UBT). Look into the HFEA strategy. We could be approaching a dovish, quantitative easing environment, so long duration bonds will appreciate in value as yields drop. I haven't executed any variation of the HFEA strategy, but I'm interested in trying now that I have a larger portfolio. I may allocate about $100K (around 13.5%) of my current total portfolio for this strategy in the next serious downturn. Or I might just chicken out and just keep buying the S&P 500 as I've always done.
Nice. I only did QLD out of kind humor. Leveraging a leveraged ETF.
No reason not to. I think most of us realize this makes more sense (especially given the erosion of our dollar and keeping up with inflation), but for most, having a levereged asset of any kind makes sleep less comfortable. I held QLD for a while and loved it. It had a good run and I thought I could time a new entry, but then it just kept going up.
I have seen all this before....saying you can't do this. But when I look at SPYU it is 400% in the 5 year. I wouldn't put all my money there....but I own a small holding of QLD long. From what I see if you hold long enough it will come back. When we have a pull back these leverage funds are the buy and hold.
Buy more QLD and GLD calls
Leverage funds like QLD, TQQQ. Of course options is huge risk/reward.
you pair the crypto short with tech longs, QLD is a safe bet
I personally would hold off for a 10% dip and put half in 3x levered index ETFs. SPXL, QLD, and UDOW and then i would invest the rest when the market moved 5% in either direction from there.
Would be better to do a 2x ETF like SSO or QLD imo.
I plan to invest in QQQ and QLD over the next three months, allocating approximately 30% to QQQ and 70% to QLD. In my view, the majority of stocks are expected to experience solid gains over the next 6–9 months
Try https://www.top3sectorportfolio.com/ They do the double Q’s QLD but go inverse QID on the dips. Overall strategy outperforms the market. Free service or go gold for $9.
So true! When he started the tariff talk in April my account was down like 30%. I sold most of my etf’s and put it into individual stocks and leveraged ETF’s like SOXL & QLD and made quite a bit. But for some reason I thought options could maybe bring me to the next tier and I’ve really been trying to learn for the past two months or so and I was doing so well generally until today…. Idk what happened, it was like a gambling itch came in and kept telling me to chase the losses and I’d see a resistance soon. And then it just kept going higher… 😔
I go deep ITM which costs a bit more, but you get more. QQQ at 400, and SPY at 500, QLD at 90. All expire in 2027.
I buy Leaps. I own QQQ, SPY and QLD calls out to 2027. I have just about doubled my money every year on these. I will sell these early next year and buy the 2028s when the come available. Have been doing this for about 6 years.
QQQ or the leveraged versions like QLD or TQQQ if you can stomach it. Hedge with gold and bonds and use a 200SMA strategy. This is the important part. Rebalance once a week or once a month.
I’ve begun defaulting to SPUU or QLD as my go to ticker. They are 2x SPY or 2x QQQ. I like LETFs a lot but I’ve had issues with individual stocks getting stuck or killed (NVDX, MSTU) but as far as I can see back tested SPY continues to rise and drawdowns are very short , even in COVID/April situations. So you get the benefits of leverage and the benefits of SPY in one
The short answer: DCA smooths your entry, it does not change the underlying drag. In leveraged structures, path matters more than price target. Averaging down does not magically fix the math of leverage. With leveraged etfs the drag comes from path dependency meaning, volatility harvests you over time because the product is forced to rebalance daily. ZEBRAs do not rebalance like an ETF, but the leverage is still there: bigger swings, faster drawdowns. If you DCA into drops, you are just increasing exposure into a falling tape. That can look brilliant if the trend resumes, or catastrophic if the drawdown persists. It is not eliminating decay, it is doubling down on timing. The reason QLD looks better than TQQQ is simply that the higher the leverage, the harsher the volatility tax. You cannot average that out of existence. You can only size smaller, or accept that leveraged bets need strong trends to survive.
TQQQ and QLD UPRO and SSO ZROZ, EDV GLD and lower ER variants CTA, KMLM, and DBMF
Pretty simple, just set up a portfolio allocation based on backtesting and personal risk preference. You just regularly rebalance to the target allocation every week or month. QLD ZROZ GLD and CTA are my recommended funds. I would use at least 60-70% QLD and the rest into the other funds.
Diversified LETFs are for long term holding. Single stock LETFs are for swing trading and shorter term plays. www.testfol.io Check returns versus regular ETFs on SSO, QLD, UPRO against stuff like SPY and QQQ. Bull runs far outpace the volatility decay and sideways losses.
I am up 53% on QLD since I bought in February of this year. It's the up and down decay that will be explained. I have read it a thousand times. If you long hold it should just be a portion of your investments....
Vol decay, try QLD or SSO. Or a portfolio with SPXL/TQQQ with other uncorrelated funds rebalanced periodically. Check out r/LETFs
TQQQ / QLD hedge 🤔
At $50k ahead this month, i just (monday) cashed out completely. I have some expensive medical bills to pay and this will definitely help. All stock choices were based on nothing but the feedback and threads that you guys in here have posted. You guys absolutely rock and thanks so much! I do think I'll jump back in, though with smaller investments on my 4 favorites and biggest earners: QLD, GOOG, SOFI and RKLB. I had small losses with UNH, SOUN ($1k loss, ouch!), and miscellaneous AI stocks, which I'll stay away from. I realize my $50k gain isn't much to many of you, but it's quite a bit for me, and will help me out with some financial difficulties I have right now. I'm going to continue to hope everyone here continues to make their biggest gains! Carry on!
QLD 70% GLD 20% ZROZ 10% Much simpler, more diversified across asset classes, with higher expected return. Combine with 200SMA switching strategy and you’ll outperform any portfolio you can come up with in terms of risk-adjusted-return.
It’s a hedged strategy already so the volatility is much lower than pure TQQQ and expected returns are higher. You will at minimum need to use QLD or SSO on the leveraged side of the portfolio to not underperform the indices.
QQQ fairly low volume dump and vix still super low. Touching 20SMA which we bounce off fairly often. I think we go up from here. Bought some QLD near close for a little swing trade.
I just bought QLD thinking it's going to bounce off the 20SMA tomorrow
You have the right idea. QLD and SSO are great leverage products in my opinion and make up 40% of my portfolio (20% each). I am doing the same thing. Gonna use them till 45 and then shift to VT/VOO or a simple 3 fund portfolio. My logic is that my risk tolerance is high thanks to a fairly stable job and high income. Also, with the next 12-15 years being my accumulation phase, I have no debt and no dependents and can hold the positions as long as required to weather any drawdowns while constantly DCAing. If you’re in a similar boat, I don’t see any argument against doing this.
My 401k is the same way. I have an extremely small amount in QLD just to test it out. But the majority of my money is in growth funds like Schg, spmo, and igm.
So there are lots of leveraged funds out there such as $QLD. They are extremely dangerous...because they magnify the downside more than the upside...and they reset daily.. Let's use an extreme example with QLD. Say the sp500 is "100". It goes from 100 to 75 on day 1. Then 75 to 100 on day 2. QQQ is fine...and is back where it started. But QLD would be down 16%. This seems crazy that movements that in the long term are neutral result in a loss...but that just illustrates how problematic these leveraged funds are. If you are interested in learning more look up "volatility decay" or "leverage trap".
There is a small group of people who holds TQQQ long term. Note that leverage product aims to produce the leveraged results per market day, not per annum. This means that a 10% drawdown a day would be 30%. Also, note that a small drawdown will require a significantly higher climb to reach breakeven. For example, a 50% drawdown will need 100% gain to recover. This principle is true everywhere but especially important in a leveraged product that has big swings both ways. Do your own math and see what your risk tolerance is. This is a very high risk, high rewards path. The wise thing would be to spread your port out between QLD, QQQ, and VOO so you arent over leveraged.
Basically increase your income as much as possible, spend as little as possible, and invest as much as possible into ETFs like QQQ and VOO. Depending on your risk appetite, young investors can take advantage of leveraged ETFs such as QLD or SSO for 2x daily leverage on QQQ and SPY for the long term.
QLD because I don't have time to monitor 200 SMA during work and then be anxious about the fact that I missed it by 2% on the way down and then 2% more on the way up.
TQQQ 200SMA for long term with bull and bear runs. QLD buy and hold wins on the 2010+ bull market.
Using today’s prices — TQQQ ≈ $92.16 and QLD ≈ $126.62 — and assuming a perfectly smooth “on‑trend” path (no extra chop), the return factors are f² for QLD and f³ for TQQQ, where f = 1.4033. That puts QLD around $249 and TQQQ around $255 in two years. Factoring in volatility ≈ $241 (QLD) and $218 (TQQQ). These are price‑only, ignore fees/splits, and they’ll move if today’s starting prices change.
Start with a simpler safer stock. QLD. 2x leverage QQQ
Are they, though? Compare 100% SPY with 90-10 SPY-QLD since QLD's inception in 2006. Is that <3% difference in max drawdown an acceptable tradeoff for the upside? https://testfol.io/?s=eWD1X3aEfDL
Yes of course. Was only referring to SSO, QLD etc. with a strong underlying
Thanks very much. But just one thing, SPMO and AVUV have no overlap at all. Completely different. SSO and QLD are super long term bets with constant DCAing and injection during drawdowns. That’s should help me come out on top during a 15 year timeframe
You're mixing solid stuff with some weird junk. VT and AVUV are fine, but SPMO is a weird smart beta play and overlaps a lot with AVUV. SSO+QLD is double trouble - you're basically layering leverage on already volatile sectors. FBTC is fine if you’re cool with potential 80% drawdowns. Check this breakdown of your allocation: https://www.insightfol.io/en/portfolios/report/2423193b43/
Primarily VOO and QQQM, but I also have JEPQ, a few CEFs and also QLD and SSO. I may dump SSO in favor of SPMO.
“Experts” will always tell you to avoid these and they are only meant for short term trades but like you said, when you see the charts for something like QLD, you can do very well IF you can control your emotions and not freak the fuck out - see the chart from Nov to April 8 this year…could you have held or even added more? Hint, overlay with the VIX to get a better panic indicator.
I own a small amount of QLD holding long, and I am up a bit. Just testing the waters I guess.
yep. 3x is terrible long term. QLD does better than TQQQ at 2x leverage. SOXL is even worse.
There are many strategies you can use. You could buy 50% leveraged and rebalance quarterly,6month/yearly. Also watch QLD or TQQQ. Another strategy you can use is when the market drops 25% or more Swap from SPY to TQQQ. If you got 100k -25% drop is 75k left, swap to 3x like TQQQ, the market needs 34% up to be back at previous ath. But if you are in a 3x you get 102% return(minus the decay) but this would turn your 75k in 150k when you would have normally 100k back. Then after ath is reached swap back to 2x or unleveraged. Visit LETF or TQQQ for more info
I don't know man... you may feel right because the market is up and you are looking from the top of the world, but how do you justify COST with a PE of 53, WMT of 41, SBUX of 38. People are also buying TQQQ, QLD on every dip. The presence of so many leveraged ETF just on one stock: ROBN, PLTG... and more. Just close your eyes and buy the dip is not correct. This just feel like the dotcom bubble again. Except I don't know when that big correction will come.
I trade so I’ve only held this position for like 2-3 months. I would not leverage crypto to hold long term, just for general movement during a bull run. Stuff like QLD TQQQ SSO and UPRO are much better long term holds due to less volatility
QLD. You put 100 or even a few grand and the market takes a dump your out a couple hundred bucks. Take bigger risks since you are early on.
WTF ?!?! - AUS QLD LNG goes to South Korea - there are 3 huge LNG plants off the central coast that supports them. This is BS that they are going to drag shit from US when its just around the corner in AUS.
Blown away by the variety of combos here, some of you are going full tilt with IBIT and QLD, others sticking to the classics like VTI and VYM. I’ve actually been curating Top 10 ETF lists by theme (dividend, growth, international, etc.) to make it easier to build combos like this. If anyone’s looking for mix and match ideas, I’ve got the lists up at impartoo dot com — ranked, clean, no clutter. Always open to ETF combo debates if anyone wants to swap thoughts.
This aged like milk already with a HUGE MSFT beat and new 52 week ATH for QLD after hours
For medium volatility: SHCG, VTI, QQQM For high volatility (and higher reward): QLD, GOVZ, BTAL rebalanced every 1-3 months.
It seems value investing and stock picking was a complete waste of time. I would've made the same amount of money just holding QQQs or made a ton more buying the 2x leverage ETF QLD.
Take a look at VUG - it's the market growth index fund. With a slightly higher risk than VOO it recovers nicely from dips and grows faster. I have about 50/50 VOO/VUG. allocation for 80% of my investment. Rest is funny money, like 2x leveraged SSO QLD USD and some single stocks like NVDA
SPY QQQ psst, did you know about TSLL and QLD?
I agree with the VOO and chill method. If you want to allocate into a bit more risk for whatever reason, you can add a bit of QLD (2x QQQ) or SSO (2x SPY) for a bit of leverage.
SSO or QLD and chill. This is not financial advice.
Happens to everyone. Just buy QLD and forget it. Selling and buying back is the biggest mistake. Common
QLD, HOOD, NADL , MSTU : Keeping my position heavy—no plans to reduce yet
You're definitely leaning into US growth and momentum, which fits the "aggressive" bill, but it’s also pretty one-sided: 100% US equities, no international, no bonds, no sector balance. QLD adds extra risk on top of already risky bets. If you're chasing FI by 40, adding more diversification might save you if growth underperforms. Here's a breakdown of your portfolio: [https://www.insightfol.io/en/portfolios/report/39d90779dd/](https://www.insightfol.io/en/portfolios/report/39d90779dd/)
You’re already pretty growth-tilted VUG + QLD gives you serious upside. If you want to go more aggressive, maybe dial up QLD slightly or add some EM like VWO for non-US exposure.
QLD, HOOD, NADL , MSTU : Keeping my position heavy—no plans to reduce yet