QQQM

Yncome_Mercato

Welcome to the world of investing! You're going to be addicted to it quickly. Let's look at your current investments, you need to clean that up first since there's a lot of overlap in holdings. At a quick glance QQQM, SOXQ, QQQI mostly invest in the same 10ish companies. Could your money be better allocated based on your investment theme? You already have the building blocks for it: good dividend yields and price appreciation. Use that to help guide you in your clean up. Here’s an example portfolio for you – Possible Theme: Information Technology with Monthly Dividends Possible Positions: GOOGL, META, NVDA, MSFT, AMD, TSM, AVGO, and QQQI. QQQI here serves as the monthly payer in dividends where you can then choose to either reinvest back into it or allocate it to other positions. Allocations can then waterfall down from 100% to 10% in cash. This is where you decide which positions get what percentage. Remember: Each portfolio doesn’t need to have the same theme i.e. what’s in your ROTH doesn’t have to match what’s in your taxable account.   This is not financial advice, strictly for educational purposes.

user-namepending

Who's 401k is buying QQQ? Theyre all mutual funds that just so happen to have similar tilts. There is no 401k plan that is going to be forced to buy SpaceX in the same way QQQ/QQQM do. >passive funds will need to sell current solid companies This is just completely wrong. I think your AI chat bot is having a stroke. Thats for admitting that you have zero clue on how shit works around here and just parrot the same upboat headlines like the good little sheep you are. >Space X will tank the index 6% That's a ceiling by the way. Because I don't think you understand what you're talking about. Also, liquidity outflow is precisely the point of IPO. It's for the public to buy in so stakeholders can sell out. That's how every IPO in existence works

14PESO

You don't believe in US stock market more? I would not be that heavy in VXUS and move more into VTI. But what do I know you have way more money than me lmao Aggression? Look into SPMO, QQQM, SMH, VGT

OneFourtyFivePilot

I’m not following the first part of your comment. But I moved into: SPY (followed by SPYM=lower cost). QQQ followed by QQQM (same as above: lower cost) Moved in SMH this last year to take advantage of AI but from a different angle.

Narrow-Ad-7856

I would just go boglehead mode in your Roth. Maybe weighted towards tech ETFs like QQQM and SCHD and some blue chips. Since you're young you should have a higher risk tolerance, but it's easy to lose $40k on bad stock picks or options so be careful. That's said, keeping a small portion of your portfolio for stock picks can be fun and help you learn how the market works. Keep your risky trades in your taxable brokerage account.

MaxwellSmart07

QQQM. SPMO. SMH. IWY. VGT. VOO. You have time, no need to be timid.

ItalianStallion9069

Yay! Congrats! Dont worry about throwing in a little QQQM in there too!

greenpride32

SP500 (VOO/SPY) has returned 10.5% CAGR with dividends reinvested. Another way to look at it is your investment doubles roughly every 7 years. If you can't beat the index, you should be joining it. Me personally, I'm more of an individual stock picker. But even though I own stocks suchs as V MA MSFT NFLX AMZN GOOGL NVDA AVGO for many years, I still put money into VOO and QQQM. Why? Because the index is a consistent winner too. And I realize that no matter how successful a company was in the past, does not guarantee future success. Just look at members of the DIJA30 over the years and how much they have changed, or even 100 weights in SP500.

sperginsturgeon

Everyone is giving you conservative etf. I would say to also consider QQQ or QQQM. VOO and VTI are cool, but who cares. Go straight for the meat and potatoes. If QQQ takes a fat shit the rest of the world will too. You're young, risk is acceptable IMO.

Costco_Whoresale

**Newbie Portfolio - Any Thoughts?** Hey all - relatively new to actively investing and wanted to reach out as this sub has been super helpful. For context, I'm 25 y/o with a separate 401(k) and IRA (both Roth), and am trying to diversify with a taxable brokerage account. I've created the below allocation for my portfolio, which I hope to grow, contribute, and hold for the next 30-40 years, along with maxing out my IRA/401(k) Realize that it's pretty tech-weighted, but I'm also hoping to be more aggressive, as I have my Roth accounts working for me separately... Would really love any advice or changes that you guys would recommend, as this is all pretty new to me. Thanks so much in advance VXUS 25% QQQM 15% VXF 15% VHT 10% XLE 5% META 5% NVDA 5% AMZN 5% GOOGL 5% TSM 5% LLY 5%

SirGlass

Basically these funds offer no downside protection so when the market drops they lose value. They sell their upside for dividend so when the market rebounds they do not rebound with it Now my understanding is JEPQ does not sell all of its upside so it can go up some extent. However if you look at the returns of JEPQ and QQQM, well JEPQ has a return of 15% while QQQM 18% Now that is only since 2022 so its not a lot of data. However JEPQ does not beat its underlying index.

therealjerseytom

> I’m confused by what you mean when you said “giving up the money you’d have if you just reinvest in the nasdaq” Click the link I included. If you'd invested $10,000 back in 2022, you'd have thousands more more $$ today if you just went in on QQQ/QQQM, than if you invested in a NASDAQ covered call ETF like JEPQ. And hell that's in the best case scenario of no tax drag. If this is in a taxable account the difference would be even bigger.

therealjerseytom

The risk is you're giving up the money you'd have if you just invested in the NASDAQ 100 directly, rather than a fund that's selling options from holdings within that index. Very easy to see: https://totalrealreturns.com/s/JEPQ,QQQM Same concept with SMCY versus SMCI.

Ahamadrayasbaboon

Daily DCA and annual lump sum accounts are ~ 40%SPMO, 20%QQQM, 10%VUG, 10%VONG, 10%SPHQ, 10%SGOV.  Every 2 weeks is like 90%FXAIX (SP500), 10%Vanguard TDF.  Retard port has all sorts of shit, and is a margin account. 

Ahamadrayasbaboon

Go to R/bogleheads. Don’t seek advice here.  Read “The Richest Man in Babylon”.  Broad market, non sector-specific, non-thematic, low expense ratio ETFs. Pick 1-3 and buy every day, week, or month without looking at the price.  In order of perceived risk/reward, low to high: VT, VOO, QQQM. SGOV for “cash” position or HYSA. Assuming these are available to you. 

monsieur_feu

Seems you like tech, just invest in QQQM or BAI (active)/ARTY (passive).

fakemedicines

QQQM by itself has killed BRKB the last 7 years. SPY has also beat it. He's not saying anything outlandish.

Ahamadrayasbaboon

My hypothesis is that participants are pricing in future developments that are yet undreamed of, so when nothing surprising to the upside is revealed or hinted at during earnings, they take profits or otherwise rotate elsewhere.  Eventually top gainers in any index get stale, which is why I choose VOO or QQQM or whatever over Mag7 or FAANG or whatever. 

GhostSiX1Nine

* VTI (45%) → full U.S. market (clean foundation) * QQQM (20%) → growth + AI/tech dominance * VEA/VWO (15%) → global diversification * BND/VTIP (15%) → volatility control + income * VNQ (5%) →inflation + real asset exposure * SPRXX→ keeping cash here until I am tactically ready to buy I like this strategy; it works for me. * Simplified portfolio * Reduce overlap * Increased exposure to small/mid caps (via VTI)

ToonamiNights

If you want long term pure growth, instead of individually investing in random top company stocks, consider consolidating to QQQM. Look for index funds instead of individual stocks. QQQM is a growth index fund by Invesco that tracks the NASDAQ 100 companies like Nvidia, Microsoft, Tesla, etc. it also has a pretty low expense ratio at 0.15. There's also SPYM which tracks the S&P500 and it has the lowest expense ratio out of pretty much any index fund ETF you can buy into. There's VO and VB, which tracks mid cap and small cap sectors that you could be missing out on that aren't in the S&P500 that could have breakout growth. This way you don't have to put all your eggs in one basket if a few companies shit the bed. In an index fund, that money is shifted around for you as company sizes change over time. So all you have to do is invest and forget. Here's an example of a portfolio: 70% QQQM or SPYM 10% VB 10% VO 10% IAUM Obviously you can adjust this based on how much risk you want to take. It's also common for people at your age to just 100% QQQM or VOO or SPYM. Just do some research on what index funds you think are right for you.

ShellGoldfish0

Currently about to graduate, holding VOO, QQQM, KULR, NVDA. Worried about the recent spikes, should I continue to DCA for now? Or hold off for a bit. Managed during the VOO dip to get to 615 so feeling pretty good, but worried about a crash. Any advice?

Boys4Ever

SP500 makes champions of everybody. NASDQ makes heroes. Semis true genius although comes with elevated risk. QQQM or similar might be the ticket for growth and reduced risk.

Ahamadrayasbaboon

If cautious: SPHQ 2k XLP 1k If turbo bullish: SPHQ 1k SPMO 1k QQQM 1k

Fastest_light

It is about time horizon. For young people in their 20s, faithfully invest x dollars a months into core ETFs like VOO, QQQM, VWO, VEA, etc., and never sell (very simple). And with very high probability, they will retire comfortably.

greenpride32

Your comment misses a main point of why this happens. When you are buying the market, we'll call it SP500, you are buying a basket of elite companies that collectively have over a trillion dollars in profits each and every year and pay over $500b in cash dividends each and every year. These numbers trend up over time, which is why the index trends up over time. "Bad" events happen all the time. Yet many of the top weights in SP500 have performed well over few to several decades. They are durable and resillient; they don't break or go under. From that perspective, why does it make any sense for this basket to collectively lose 25-30% in a short amount of time? It doesn't. Professional traders might move money around and cause volatility. But you as little retail have no hope to mirror their moves as you a) don't have same access b) don't have same speed and c) don't have same knowledge. I sat on my VOO and QQQM through March 2025 and through March 2026; as I have for past 20 years (then SPY and QQQ). I've come out higher each time, while so many struggle each day with what to think and do. It's only a game, when you decide to make it one; but historical charts show the index goes up over time and data (increasing profits/distributions) backs it up. If a catastrophic event occurs that deals substantial damage to the value of these companies, more likely you aren't worrying about the value of your portfolio. Just look back to the global pandemic - everybody staying home, barely hearing or seeing any cars on the road; and yet while some companies were crushed by these circumstances, others flourished. It will be same for the current oil shock.

POWRAXE

Your portfolio is a thing of beauty. Very well balanced. Mine is.. less so hah, at the moment I have about 10% of my portfolio in QQQM, and the rest is sitting in VEA. VEA is much like VXUS except it only holds developed markets, no emerging markets. In my opinion, with all that is going on in the world, in the short and medium term emerging markets have the potential to be crushed the hardest, and my VEA position is only temporary until the current administration stops devaluing the dollar. It might also be worth mentioning that I am only 35, so I’m opting to be more aggressive. When the time comes, I’ll likely pile into VOO and more QQQM, I am certainly done holding individual stocks.

greenpride32

I own some amount of ASML, but I also own a lot VOO and QQQ and lots of other individual stocks such that I'm well diversified. In your case, you probably need more diverisification and I'd switch AMSL for SMH (or QQQ/QQQM). AMSL is a great company, but the "problem" is they can only sell to a very small list of customers - just silicon fabs. It's not as though there will be an endless supply of new fabs sprouting up, and so they'll have to increase/grow consumables. Contrast that with TSM which will have endless supply of production bookings for years on out. More predictable (and growing) cash flow is always better.

West_West_313

I’m up 9.5% YTD. QQQM, SOXQ, URNM, XLE and two small satellites in COPX and SHLD.

Over_Abrocoma605

I started investing earlier this year and have been putting $300/month into VOO. Right now, VOO is the only holding in both my Roth IRA and taxable brokerage account. Lately, I’ve been doing more research and been thinking about adding QQQM and VXUS for more diversification. I’ve also heard SCHD could be a solid addition Does it seem like a smart approach? How would you split these across a Roth IRA vs taxable account? For context, I just turned 23, so I’m investing with a long term horizon

tkreadit

Once again, you're underperforming QQQM (and SPYM). You can play the same margin games with the QQQM and do better if you believe it's up and up. You are confused by what you think is a *guaranteed* 10% dividend. See [https://imgur.com/a/rG4PHd4](https://imgur.com/a/rG4PHd4)

NYGiants181

QQQM. Just recovered 9% in 2 weeks, ready to pop

sbenfsonwFFiF

what if those index continue to climb in those few months though? You're banking or assuming that it will settle down, but SpaceX would only be 3% of QQQM so it may just get overridden

whywires

I recently inherited a managed brokerage and merged it with my own brokerage. My portfolio has been pretty simple - target fund, QQQM, SCHD, and VXUS. But the managed brokerage is a hodgepodge - multiple bond funds, multiple S&P 500 funds, several international region funds, etc. For instance, the managed brokerage has SPY, FXAIX, and VFIAX. That's crazy overlap. What's a good strategy for remedying such overlap without getting crushed on capital gains taxes? Is there some simple solution that I'm blanking on?

SaltPattern2676

I think at this point I’m going to put my money in Voo and QQQM. Just enough with buying individual stocks

NYGiants181

QQQM and thank me in a year

TimAppPull

Exactly. And they're tanking it today. Thank you for pointing this out. People need to stop posting these scams on here telling people to jump on after the fact. Guys when you are looking at these Chinese scams look a the 52 week low - then ask yourself have these guys already doubled or tripled their money? If the answer is yes think twice. Yes I miss some runs because of this rule, but better than than to bag hold. They tripled their money yesterday and now they are making more money shorting it. Every now and again they will get bold and 5X or 10X their money - yes I do miss some of those runs. Once that happens, then a few months or weeks later it's they just double the money they already made and then make money shorting it. No one is gonna continuously risk 10X their money over and over again. They make their money and disappear. Then they hike it up so you think it's another run it's going back up to $400 or whatever, then short it so you are bag holding. This is a fun game to them. It's sociopathic, but it's how they entertain themselves. Don't pay attention to the 52 week. Look at the low the low gives you all the information you need. The high is misleading and there to trap you. Yes now and again someone surpasses the high but usually no. It appears to be holding at 20 cents. Again careful with this one. Doubtful that a stock at 20 cents will go to $400 and when it does like QQQM they permanently halt it unless it happens gradually over time - not over a few days.

NYGiants181

QQQM Live your life

greenpride32

I've taken 2 approaches over the past 25 years. I put money into the broad index funds - SPY/VOO and QQQ/QQQM. Over time, the index has consistently increased revenues/profits/distributions. I then put money into the stocks of growing companies, and from their 10Q's and 10K's, I can confirm they are consistently growing revenues/profits/distributions over time. Ultimately you are buying ownership into a business - which is very different than the broader economy. You'll are trying to "make sense" of issues don't matter in the long run; that's why you are unable to reach conclusions.

NYGiants181

Then why don't you hold QQQM like a normal person? Single stocks is how you go BROKE.

West_West_313

Been buying xle since June 2025, really balanced my QQQM and SOXQ.

phaedrusTHEghost

Or QQQM if you have an inheritance!

stringtheory28

Space X to make QQQM parabolic or destroy it? News started with the latter and now everywhere I see the former.

SerMumble

Roth IRA is a tax free account and that's very good to max out yearly when you are young. Start with opening a schwab, fidelity, vanguard or similar account, creating a roth IRA, and buying a money market fund like SWVXX for schwab for example so your money is doing work while you plan your portfolio. I recommend the S&P500 index like SPYM, VOO, SWPPX, etc. Or a total world index like VT for example. These are general starters to research around. More aggressive growth funds are like QQQM, SPMO, SCHG for example are the best for your age. Small strategic satellites might be individual stocks, dividends, international, small cap. Don't get carried away with these and some people are fine not buying them. Don't waste your money on bonds, reits, crypto, and weird stuff. Dollar cost average consistently for success.

wild_b_cat

But you're not jut betting on 'tech' - you're betting on a handful of very large and currently very high-stock-priced companies. And, again, the key point is *everyone knows about tech's potential*. It's not a secret - it's like the #1 topic in the world right now. To say that these stocks are still underpriced relative to other stocks is to say that they're still *underrated* relative to those other stocks. Is that actually true? Are you doing an actual price analysis? If QQQM doubled tomorrow - such that your investment would only cover half as many shares - would that change your approach?

wild_b_cat

>Choosing QQQM is not some completely different idea. It is the same basic choice, just taken one step further. Not really. Normal Bogle philosophy *does* suggest an international allocation, but to the extent it's still US-centric, it's not a bet on US growth specifically, but rather to remove currency risk. In other countries, the Bogle recommendation is to go heavily into *their* native VTI-equivalent. >Then it is reasonable to argue for concentrating in the Nasdaq-100, which is made up of many of the most profitable and scalable companies in the country. Except that the top of the NASDAQ is already very expensive *precisely because* everyone understands that those companies are scalable and profitable. And everything you said could have been said 30 years ago about the companies that then topped the market: GE, Shell, Exxon, etc. You could make a really strong case then that energy was the future, and so anyone betting against those already giant and profitable companies was being dumb. That prediction was wrong. Yours is likely to be, also. The market has always seen churn, with different companies rising to the top. You're the one betting that cycle is going to end, and you're not really making a strong argument that way. But I know I'm not likely to change your mind. If you started investing over the past 10 years, you've only seen a QQQ-dominant world. It's hard to imagine that ever changing, I know ... but people in every age have thought that and they've all been proven wrong by time.

zeppo_shemp

>I believe QQQM is the stronger growth engine the S&P 600 beat QQQ over the past 25 years. https://imgur.com/a/ijr-vs-qqq-2000-to-2025-7OOKO5j

Ahamadrayasbaboon

I don’t disagree, but the counter-argument is that people with long time horizons like 30yrs don’t need to take on elevated risk. That’s why so many people subscribe to what they perceive to be a middle ground, VOO.  It’s a spectrum, of course. Arguments could be made that VT is risky in comparison to bonds, or that QQQM doesn’t take as much risk as SPMO. 

Ausky_Ausky

The real issue with QQQM isn't that it's performance chasing. It's the criteria for being in the fund. It's "the 100 biggest stocks listed on the NASDAQ". There's no rhyme or reason to it. It just so happens to be tech heavy because back in the day tech companies couldn't get listed on the NYSE. But that's it. So answer this for me: why invest in QQQM over an actual tech fund? Why is it better?

UsernameIWontRegret

I have a bit of a nitpick, but I’d prefer a growth ETF like SCHG over QQQM. The reason QQQM has performed so well if because of the growth components. But it only includes stocks traded on the Nasdaq and doesn’t capture the whole market. A growth focused ETF captures the best of the whole market.

matjoeman

Like QQQM? Yeah a lot of people.

Thump604

I have already completely exited IWM because of this and just hoping QQQ and QQQM get above cost basis before the change. Effing timing …with chaos clown in the WH.

stringtheory28

Soooo QQQM bad now? Ok, moved it into VOO.

pramttl

Yes, relaxing of rules to accommodate overpriced IPOs and relaxing free-float requirements doesn't make sense to me, It will deteriorate the quality of Nasdaq index funds QQQQ/QQQM. If these rules pass I am no longer going to make more investments in the Nasdaq funds, in favor of S&P/Fidelity and other funds that maintain their quality.

SirGlass

Do you hold QQQ or QQQM?

Ahamadrayasbaboon

Don’t chase mag7. The winner of one series of years is rarely the winner of the next series of years. Every decade or so investors fall for this. Instead, look into passive indexing, where the fund internally rotates out the stale losers by increasing weight of winners. And it does this automatically with no management fee, and without triggering taxable events like would occur if you rotated them yourself.  You’re looking for something broad-market and non-thematic with a low expense ratio. VT, VTI, VOO, SPMO, QQQM, VUG, SPHQ, something like that. If you still like the Mag7 after reading my first paragraph, they’re very well represented in most of those currently. 

Bossanova12345

It’s one of the reasons why I do t have all my money in QQQM or VOO. I’d rather go heavy in Google, Microsoft, or Apple.

SirGlass

This really only affects index funds that track the Nasdaq 100 index. Chances are your parents do not hold QQQ or QQQM in their retirement account or even a nasdaq 100 index fund

SirGlass

It really only affects QQQ/QQQM and a couple mutual funds that track the nasdaq 100 index. Most other growth funds or tech funds track some other index so won't be affected So I don't think its tons of ETFs its like 2.

EfficientRecording62

Any recommended alternatives to QQQ/QQQM? I'm looking at VOOG, VUG, and SCHG.

ShadowLiberal

It depends on where you're holding QQQ or QQQM. I hold it in my Roth, so I can sell it without paying any taxes there. I'm going to seriously consider selling out of it and switching to SCHG or something similar. Just need to do more research first to make sure that SCHG isn't hit by being forced to buy in immediately as well. Last I checked it would likely take 3 months for SpaceX to be included there if SpaceX IPOs in early June as expected, and 3 months is WAY better then 15 freaking days.

SurfAccountQuestion

I don’t have a 50/50 split of QQQM and VTI. I also hold SCHD in roth and VXUS. I also reserve a bit of fun money to trade whatever I have conviction in.

ShadowLiberal

I hold QQQM in my Roth, so I'm 100% going to sell out of it and buy into probably SCHG instead now.

MissionBanana5637

I'm currently 17M and live in America. I have a lot of money saved up from freelance work (about $20k in savings available to spend w/ another $10k set aside for taxes) and I'm not sure of the best way to start investing it. I don't currently work a regular job. I put $10k into my Fidelity account around December 2025 and started doing auto investments of about $210 per week, and I've changed my strategy a few times. Right now, I'm investing $180 divided between 3 funds ($75 in VOO, $75 in VTI, $30 in QQQM) along with $30 in FSELX, but I'm not sure if I should try and simplify my portfolio or expand. Additionally, I don't want to put too much into investments at once, but I wonder if I should increase the amount I'm investing on a weekly basis to get more money into the market sooner. I'm not too sure what my future's gonna look like so I don't have any goals other than being able to afford 4 years of higher education and live on my own eventually. I have no debt currently, and I'd prefer a more proven, long-term investment strategy, but I'm okay with some risk.

UsernameIWontRegret

You do realize no one invests a single dollar with NASDAQ right? Index funds are companies that promise to mirror an index. They have no relation to the actual index. QQQM is managed by Invesco not NASDAQ.

ScarfingGreenies

See if you can exchange QQQM for PRF (Invesco's US RAFI 1000 Index)? Only downside is a larger expense ratio and missing out on riding the rug before it's pulled with Big Tech. Or maybe leave your taxable alone but adjust your other accounts away from the impacted indices. <- That's what I'm doing. I'm adjusting my IRAs and 401k to get away from these indices though.

ebikr

I’m screwed- I hold QQQM in my taxable account with a substantial gain so I can’t sell now. Someone should sue Nasdaq over this.

-Zecev

You think I should sell my QQQ and buy QQQM? I heard that from someone else as well

NYGiants181

QQQM

brother7

This looks more complicated than it should be. In general, young people should invest 100% in a total stock market fund, either total US or total global. The best ETFs are: * [Vanguard Total Stock Market ETF](https://investor.vanguard.com/investment-products/etfs/profile/vti) (VTI) - total US stock market * [Vanguard Total World Stock ETF](https://investor.vanguard.com/investment-products/etfs/profile/vt) (VT) - total global stock market Choose either one or the other, depending on your views on owning the US only or the US + international. If your heart is set on a growth tilt, I would choose one (or a mixture) of these three ETFs: * [Invesco S&P 500® Momentum ETF](https://www.invesco.com/us/en/financial-products/etfs/invesco-sp-500-momentum-etf.html) (SPMO) - A bet on large-cap momentum. * [Invesco NASDAQ 100 ETF](https://www.invesco.com/us/en/financial-products/etfs/invesco-nasdaq-100-etf.html) (QQQM) - A bet on growth. * [Vanguard Information Technology ETF](https://investor.vanguard.com/investment-products/etfs/profile/vgt) (VGT) - A bet on technology.

Trenbolone-Papi2

Finally had some funds to buy this month-long dip so far: $1200 VTI $900 QQQM $600 VEA $400 IJR $400 IJH $400 VWO

Trenbolone-Papi2

Finally had some funds to buy this month-long dip so far: $1200 VTI $900 QQQM $600 VEA $400 IJR $400 IJH $400 VWO

Key_Lifeguard_8659

No one warned you about being too tech heavy? I sold off my QQQM and VGT and got VXUS and AVDV. Both have have given positive returnss since I bought them in January. I'm 50% VOO and everything else international. VXUS is up ~5.9% YTD through March 10 vs. VOO/VTI essentially flat. Over the past year, VXUS returned ~32% vs. VTI's 22%. The structural reason: VXUS has 15.6% in tech vs. VTI's 34%. When value sectors — financials, industrials, materials — rotate back, VXUS has room to outperform. That rotation started in late 2024 and accelerated through 2025. AVDV is up 9.71% YTD vs. VXUS's 4.88%, with a Sharpe ratio of 3.18 vs. 1.95 for VXUS over the trailing 12 months. My small-cap value tilt is paying off big time.

MistressMinaDear

If by FTSE all world you mean something like VWCE / VWRL, you’re already insanely diversified. That one fund holds thousands of companies across the whole world. For a first time investor, that’s usually more than enough. QQQM and SCHD are both US focused and just tilt you more toward the US and specific styles (growth / dividends). That’s not necessarily “safer”, it’s just a different bet. Biggest thing is: make sure your time horizon is long, you’re ok with volatility, and you don’t need this money soon. A simple global index + sticking to the plan usually beats overthinking the slices.

Bossanova12345

Great. 🙄 The average PE for QQQM and VOO is going to climb way up when SpaceX, Anthropic, and OpenAI are all IPO.

BiscottiSalty2354

FTSE All World is already \~90% of the investable market—adding QQQM/SCHD isn’t real diversification, it’s **tilting toward US large-cap + dividends**. So the question isn’t “should I add more?” but: **Do you want to overweight the US and specific factors?** * QQQM → more tech/growth concentration * SCHD → dividend/value tilt If you don’t have a strong view, just stick with FTSE All World. If you do, keep tilts small (10–20%), not 50%. Simple beats complicated, especially for your first investment.

Finance_Guy297

FTSE All-World is already one of the most diversified single ETFs you can hold. Since it has around 3,700 companies, across developed and emerging markets. Adding more funds on top could mean just adding some overlap, not more diversification. Also QQQM and SCHD are not available if you are an European investor, because you're subject to PRIIPS regulations, which basically that means you can only buy UCITS ETFs. QQQM and SCHD are domiciled in the US and don't have a KIID, so your broker will unfortunately block the purchase. The UCITS equivalents to those would be something like EQQQ or IQQH if you more prefer it to be more focused on dividends. Holding only VWCE, already includes around 65% of US equities, including heavy Nasdaq and dividend payers, plus is also good globally diversified. Meanwhile, adding a Nasdaq ETF on top, would move you more towards tech concentration instead of more diversification. But if your tilt was intentional, it is completely fine, but you're kinda betting that tech/US will outperform relative to global cap weights. And in general, for a first time investor with a lump sum, remaining simple is a very good move, because is easier to manage and to start to learn some more.

ConditionHoliday2844

Adding QQQM to my watchlist

Hashtagworried

I personally hold both. I know there’s considerable overlap between the two, but the weights are different. But I hold QQQM for the expense ratio.

X_KOOK

Yeah exactly he wouldn’t be questioning the thesis if he just invested in VOO and QQQM. He just buy more and not worry about a thing

velamind

I bought SMH, QQQM, and of course VTI.

Psychological-Buy46

I bought some QQQM and a little VOO

Pin-Last

QQQM too

marvel308

Hey everyone, I am running a high-growth, 100% equity DIY portfolio and wanted to get the community's thoughts on how it might weather the current macro environment compared to our last major inflation shock. My current allocation is straightforward but aggressive: * 50% VOO (S&P 500 anchor) * 25% QQQM (NASDAQ 100 tech/growth tilt) * 25% VXUS (International diversification) I invest my bi weekly paycheck into this Last time oil crossed the 4$ national average was in 2022. It was fueled by Russia Ukraine war, post COVID demand and then inflation rise. * Data: [https://stresstest.pro/shared?shareId=ce8236fe-59f1-493f-af57-5d35868c5cbc](https://stresstest.pro/shared?shareId=ce8236fe-59f1-493f-af57-5d35868c5cbc) * Max Drawdown: -26.1% * Total change: -19.4% Fast forward today we have another geo political oil shock at our hands. So far * Data: [https://stresstest.pro/shared?shareId=553b181e-a593-4c17-bc9b-0e96a3667664](https://stresstest.pro/shared?shareId=553b181e-a593-4c17-bc9b-0e96a3667664) * Max drawdown: -7.81% * Total change: -4.7% So far the impact of the war is moderate. While it feels like manageable market noise right now, the underlying conditions suggest there could be much more volatility on the horizon. Any suggestions on what to predict? I am planning to hold the line, but I would love to hear your insights on the road ahead

Nodnol519

I’m a dumbass and mixed up SQQQ and QQQM. Buying and holding SQQQ is crazy town. Disregard lol

Nodnol519

I’m a dumbass and mixed up SQQQ and QQQM. Disregard lol

Don_Mask

As of right now I'm not really worried about unforseen costs since my father mostly helps with that although definitely once I stop getting support financially I will need a HYSA and I will definitely start slowly cultivating that but my main focus is investing as I want to put as much as I can towards that especially since I don't make too much money/month (around 500-600/month). I currently have 11k in investments, was 12k before in Jan. Planning to put a decent chunk per month or biweekly into whatever in whatever ratio and just let that ride. I'm just unsure of what in specific (stock/ETF) and what ratio. As of now I've just been putting x amount in mostly QQQM, VOO, VTI, VXUS, GLD. But I've seen elsewhere that a good ratio would be something like 60% into VTI (ETF covering the entire US stock market), 30% into VXUS (ETF covering international exposure), 10% into BND (ETF for bond). Which would mean I would stop investing in QQQM, VOO, GLD or at least mostly put all my cash towards VTI, VXUS, bond ETF?

understated_vibes

Honestly, a lot of people have been in the same spot, it just doesn’t get said out loud much. If I were resetting, I’d keep it simple and rebuild around something like VOO or VTI as a base, then slowly layer back into growth instead of going all-in again. If you still believe in tech long term, you can add something like QQQM over time, and even a small position in something like VCX for private exposure. Main thing is don’t try to win it all back at once, just get back to a structure that can compound steadily.

TharkiProMax-

Very well written answer. I think you just convinced me to go into VOO over QQQM. Thanks.

CherryRoutine9397

People always jump to QQQM because yeah, recent returns look better and it feels obvious. But you’re basically concentrating risk way more than you think. QQQM is heavy tech. If tech runs, you look like a genius. If it stalls for a few years, you’ll feel it way more than VTI or VOO. That’s the part most people ignore when they say long term. Also long term doesn’t mean smooth. You can easily get a 5 to 10 year stretch where QQQM underperforms broader markets. Happens more than people think, just no one talks about it when things are going up. VTI is boring but that’s kinda the point. You’re owning everything, not betting on one sector staying dominant forever. Honestly the real answer is balance. A lot of people do something like mostly VTI or VOO and then add some QQQM on top instead of going all in. Feels slower but way easier to stick with when things go sideways. I keep this stuff simple and write about it from a normal salary perspective, check my profile if you want 👍

KumingaCarnage

Doing too much going into individual, just invest in a tech heavy ETF like QQQM or FSPTX

EfficientRecording62

Lol, I did it last year with the tariffs. Yeah sure, I probably bought back in too early, but I still sat out about 2% of losses, netting me $2k on the $100k of assets I sold. Doing it again right now. Sold QQQM at $250 with an auto buy if it ever returns to that point. Worst case, I buy back in at 0 net gain or loss and only miss out on a couple months' worth of dividends (very low for a growth ETF like QQQM).

meandjarvis

QQQM = betting that tech dominance continues forever. VOO/VTI = betting that the US market broadly continues. For 20+ years, QQQM's concentration in tech is both its strength and its risk. If AI delivers, you win big. If it's the next dot-com, you eat a lost decade. I go with IVV (S&P 500) rather than QQQ. Even though I am very optimistic and believe in tech dominance, but still I'd like to have some balance to make me sleep better. IVV has enough tech exposure already. Diversification isn't about maximum returns. It's about surviving whatever comes.

bmt_original

With the market going lower, and may go further down, the best path for you is to make a plan to invest the same $60k but on a recurring basis every week over the span of next 12 - 16 months … Just pick up some ETFs like $VOO $QQQM $VXUS $SCHD $SMH $GLD The results in around 2 years will amaze you

Elegant-Display-5228

I think the tradeoff is basically concentration vs diversification. QQQM can outperform for long stretches, but it also ties you more heavily to one part of the market. VTI/VOO is usually the “sleep better at night” choice for people who want broad exposure without making a bigger sector bet. So to me it’s less about which is objectively better and more about what type of exposure you want to live with through a bad year.

NYGiants181

I hold qqqm in my main brokerage VOO/QQQM in my Roth. I’m a tech guy, and understand the volatility. I believe in it, and think it’s a great fund. Make sure you have a longish horizon though 5+ years.

Any_Jicama5208

The biggest reason is QQQM is partly an exchange bet, not just a quality bet. You're concentrating in whatever happens to list on Nasdaq, so if the next winners sit somewhere else you miss them for a pretty arbitrary reason.

Dangerous-Mobile-587

As some say past performance doesn't help much. QQQM is about 8-10 percent down since October. And VOO is up a little. Maybe 3 percent. So maybe a good times to invest if you believe in tech.

DoinIt4DaShorteez

I don't see anything particularly wrong with it. A lot of people would come up with a similar allocation on their own. tbh, at 23, I'd just buy the same number of shares of VOO and QQQM each month in both accounts. And then rebalance to lean more into current income when and if you get closer to where you need it.

greenpride32

IMO - QQQ will continue to outperform VOO. But as time goes by the overlap will only get stronger as tech dominates the modern economy and will still only grow larger. As it stands today your top weights are almost the same in NVDA AAPL GOOGL MSFT AMZN META AVGO. I hold both VOO and QQQM.

sooner-1125

Stop gambling and start investing. Dollar cost average into ETFs and some high conviction blue chip stocks. Stop shorting anything. The barber goes up or sideways 80% of the time. I’ve literally become a millionaire buy buying boring funds and not getting cute with “trading” this is a tough lesson to learn. But you can and will recover. It just sucks cuz you could have bought DGRO, QQQM, VOO and you’d have been cookin. Take your licks and get back in the game without anything cute. Just DCA and rebuild.