Reddit Posts
23 F advice on my long term portfolio: VTI/QQQM/Costco
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Choosing spouses growth stocks for taxable account
What are some funds that are good for the long term?
Deciding REITS for my portfolio. But lack the confidence in knowing how to valuate each choice.
Thinking about a higher growth portfolio for the new year.
I'm having a hard time understanding how ETFs expenses work
Lower Cost ETFs: SPY vs VOO, QQQ vs QQQM, GLD vs GLDM, etc
If you have limited capital but want to trade QQQ, can you trade QQQM as an alternative?
19, are automatic payment of $30nzd per week into these stocks good?
Long Term Investor Looking to understand Option Strategies
Thoughts on investment portfolio that I'm considering?
How do you approach a stock buy when you see valued stock dip in price
How would you recommend I allocate % split between VOO, QQQM, & VTI?
Portfolio Review and Strategy in Times of Uncertainty - Seeking Advice
Started making mid 6 figures 3 months ago… where do I start?
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
What ETF should I invest in in my Taxable brokerage
I bought Apple at its height and now I regret it
Deciding to start my investing journey. 50% in QQQM and 50% in VXUS
Which Portfolio Mix? Will big tech continue being King?
How to find small cap ETFs do a small part of my portfolio. Obviously aggressive and risky but want to put a small percentage towards this
Starting my investing journey. Gonna put 40% each in VOO and QQQM and 20% into GLD so what is everyone’s opinions on these?
Starting my investing journey. Gonna put 40% each in VOO and QQQM and 20% into GLD so what is everyone’s opinions on these?
Is there any benefit in investing In both Index ETF’s and individual stocks?
Is there any benefit in investing In both Index ETF’s and individual stocks?
Is there any benefit in investing In both Index ETF’s and individual stocks?
Investment plan for about 85 000$ USD over the coming year
Investment plan for about 85 000$ USD over the coming year
How safe are ETFs if broad index funds didn't exist?
If safe ETFs broad market were an option - what would you chose?
Sometimes the best thing to do is set it, forget it ... even if a recession is possibly near
[M25] International Student in the US - How to prepare to move assets overseas
What are the reasons not to long Tech ETFs if you are young?
Does dividend investing become a better long term option than growth investing at low income?
YOLOing my last thousand on option stocks after losing a lot of money. Missed out on Tesla calls by selling too early, bought CRM calls before earnings, and bought SPY puts to ride them to 0. Switched to QQQM now. RIP!
Three portfolio strategy or should I change it
Which one of the following ETFs are identical and redundant?
Should I invest $1000 into $VOO before $QQQM?
Rate my 10yrs+ hold etfs portfolio. I am not so sure about DIVI any good international etfs to replace? and also thinking about replacing QQQM 🤔 what do you guys think about this portfolio??
Seeking Feedback to Build a Strong and Diverse Portfolio - Any Advice?
Why are NASDAQ-100 index funds expensive compared to SP500 index funds or total market funds?
What are your cost averages for your top 3-5 stocks/etfs for the next decade?
Is there something similar to QQQM but for S&P 500?
Is there something similar like QQQM but for S&P 500?
I have my life savings which I dont think ill need in 1-2 year from now. DO i assume a small risk if placing it on a ETF following NASDAQ?
QQQM would be an inappropriate diversification correct?
NASDAQ 100 vs. Individual Components of the NASDAQ 100 for the next decade
Need advice with my portfolio allocation (experienced input preferred)
Mentions
> I want a diversified, growth-oriented portfolio that provides a nice amount of dividends to reinvest. Why dividends? The only thing that you should be focusing on for this account, at your age, is total return. Dividends are meaningless. > 1 VHT - I wanted healthcare exposure You already have healthcare as a sector within VOO. > 1 VGT - Read that this paired well with QQQM [...] 1 XAR & 1 XLE - With the Trump/Venezuela/Oil situation, I wanted to be ahead You already have all of these as part of VOO. Franky, you could just be 100% VT. *For about the next decade, the amount of money you can save and contribute consistently is going to make way more difference than farting around on these under/over-weight sector choices.*
bought nearly 20k in QQQM for the year. we will see at the EOY
Bought QQQM calls. Buy when everyone is afraid.
Study Mohnish Pabrai. Do 80% BRKB/QQQM and 20% into small / nano-cap stocks and never sell them. The only reason I got over 100k is my single investment of 5,000$ has now done 2300% return in the last 3 years. I plan to never sell it
I just lumped a huge amount of savings in QQQM a week ago… cheers Trump
I am just getting into investing in the market. I plan to hold all these positions long term and I will try my best too keep investing regularly year after year for the next 20-30 years. Here they are: ETF: QQQM 50% Individual: BRK.B 15% V 10% VZ 7% UPS 8% VICI 5% MPLX 5% I’d like to hear your thoughts on how this looks. I’m open to suggestions.
I am just getting into investing in the market. I plan to hold all these positions long term and I will try my best too keep investing regularly year after year for the next 20-30 years. Here they are: ETF: QQQM 50% Individual: BRK.B 15% V 10% VZ 7% UPS 8% VICI 5% MPLX 5% I’d like to hear your thoughts on how this looks. I’m open to suggestions.
Not necessarily risky — but be mindful of overlap and concentration. VGT is pure tech (heavy Apple/Microsoft, no Google/Meta/Amazon), while QQQM includes those because of broader index rules. Adding Google/Meta/Amazon individually can make sense if you size them intentionally. The real risk isn’t owning those stocks — it’s overweighting large-cap growth without realizing it. VGT as a core + small individual positions for conviction names is reasonable. Just don’t let “expansion” turn into duplication.
The percentages add up to over 100%. Also, I think you’re too heavily invested in QQQM. With the Nasdaq near record territory, and with that ETF’s known volatility, you’re asking for trouble.
For 24 with a long horizon, this looks solid but very tech‑heavy. Just be aware there’s a lot of overlap between QQQM, FXAIX, and your individual big tech stocks. That’s fine if it’s intentional just make sure you’re comfortable with most of your returns riding on US mega‑cap tech.
3 fund portfolio is US, Intl, and bonds. Just because you picked 3 funds doesn't make it a 3 fund portfolio. If you want to overweight with QQQM or NLR then do whatever you want, but you should stick to a good base. Recommend VT instead of VOO then whatever else you want to do is up to you.
Solid foundation for 24 honestly. QQQM + VTI core is smart, low fees and good diversification. But real talk - those 5% individual stock positions are kinda pointless? Like Apple, Google, Meta, Amazon are already huge parts of QQQM anyway. Your basically double dipping without any real impact on returns. Either go bigger on individual picks (10-15% if you actually belive in them) or just cut them and add to your index funds. Also only 1% PLTR at your age with “moderate to severe” risk tolerance? Thats the one position I’d actually size up if your bullish on it. Your young enough to take some swings. The Roth being 100% FXAIX is perfect tho, dont touch that.
Your overlap is kinda wild tbh - QQQM already has a ton of your individual picks in it, so you're basically triple-dipping on AAPL/GOOGL etc. Maybe dial back the individual stocks and bump up VXUS since 5% international is pretty light for long term
Im in the QQQM side of the boat. I'll die with tech.
Looks solid for long term growth, just be aware VOO and QQQM overlap a lot so position sizing will matter.
Is 93% good? No! The non-CC version QQQM gets 19.54% cagr since Jepq inception while jepq gets 15.96%. You you withdraw from your portfolio at a higher rate than with jepq's cc yield. Youre just simply throwing money away on bid ask spreads, an oversaturated call market, and ridiculously high expense ratios.
The ETF QQQM is 63% compromised of stocks in the technology sector. Given your interest in U.S. equities and the technology sector, a purer play would be the ETF XLK which is 100% comprised of stocks in the technology sector. A position in XLK exclusively over weights that sector to more completely align with your outlook for tech. No one can predict the future, but the technology sector tends to do well in periods of lower interest rates, which is the current direction the Fed Funds Rate is headed. I personally like the technology sector because it is one of the best sectors for growth stocks.
Put it in a long hold common stock portfolio (sector ETFs or SPY/QQQM. Fund your IRA if you qualify. Do this if it was a fluke. If your actually a day/swing trader that is good at technical analysis and looking at order flow, then try to go it without being a degen. Stick to 500-1000 trades. For the love of god don’t blow it on 0DTE. You can go from up 55k to 0 or negative really quick if you’re a gambler. Pause. Take a breather and find a good community where you can find good trading practices and discipline.
VOO, IVV, SCHG, VT, VTI, QQQM You want to capture the growth of the market as a whole for most of your money.
At your age there are not wrong answers. Get used to buying VOO on auto weekly basis. Sell only when you have something urgent to pay for. If you have income, if you have expenses, you should have auto investment. You will learn as you go, but that is the basics. The foundation. Later you will dabble in stocks, riskier ETFs like QQQM or VUG, just acquire more auto weekly. Don’t trade in and out. You will do great! You are super young!!
Why not play it safe and buy fractional shares of blue chip companies. I never buy full shares. Buy QQQM and play it safe. VTI is safer but slower.
VOO, schd and QQQM. Dollar cost average in twice per week. Keep excess money in Tbills
I have read QQQM CHAT SMH VOO and chill lately.
So money is about when you will spend. 30 days or less = checking account (monthly bills) Emergency funds or large known expenses = SGOV in a taxable. Money that is meant to grow 5+ years = VOO or QQQM (if you want a bit more risk and growth). The risk you take when you invest is that you have an urgent event, have to sell, and it might be a bad time in the market. Once you get used to auto weekly investment in a taxable, over years, you stop worrying. You see it is just an accumulation game. If you have an urgent expense, sell to pay it and keep the auto going. It removes the emotions. When you pick stocks, now your character is tied to that choice. If I chose the wrong company, I’m a failure, or I’m sentimental, etc. hard to be so attached to a VOO for example.
You should learn to do this with regular money as well. You’re about the age I got my stuff together (you are wayyy more advanced than I was then). Get a Fidelity account. Buy whatever is comfortable of VOO or QQQM (what I use) on auto weekly basis. Work to increase that weekly. You sound like the type that wants to optimize with tax advantaged accounts, and that’s great. But I’m telling you seeing money as a tool for when you will spend will create a great habit in you. If you plan to retire early. If you plan to have incomes in excess of your expenses (pensions), then this is a valuable lesson for you. Best of luck, sounds like you will do great!!
No. This is theatre. Nothing ever happens. And if it does, it's short lived, as you are seeing today. Political noise has nothing to do with long term investments. But if you're playing options, then yea it could cause some issues day to day. QQQM and VOO and chill.
Consider going with SP500 for the other 30% since you’re going so heavy on semiconductors. I am doing something similar in my Roth and taxable BTW but huge majority of my net worth is in 401k invested in SP500 so like you I’m okay with the volatility. I couldn’t pick between quite a few similar ETFs so I split weights like this: QQQM/VGT (50%), SMH/SHMH (35%), NLR/URA (5%), BTC/ETH/XRP (10%)
Solid lineup overall. Basically a concentrated “Mag 7 + semis” portfolio. For 27 and growth-focused, this is totally reasonable if you can stomach big drawdowns. Biggest risk isn’t stock picking, it’s concentration: GOOGL/META/NVDA/AMZN/MSFT/AVGO is the whole portfolio, so you’re essentially making one big bet on AI/tech continuing to lead (and valuation staying elevated). If you want to keep the same vibe but reduce blow-up risk, my opinion would be to add add a broad index core (VOO/QQQM) and treat ASTS/RKLB/RDDT/etc as a smaller “moonshot bucket” (like 5–10% total). Also keep some dry powder/cash so you can add during major dips instead of panic selling. Overall: strong choices, just very top-heavy. Make sure that’s intentional. Good luck! Not financial advice. Information only.
Switch it to weekly. Instead of 2k a month, do $500 a week. Work to increase the weekly. Only sell when there is something urgent to pay for. The chill part of VOO and chill is the hardest. You can do the same with stocks you like also. Set to an auto weekly buy. But the major part should be VOO or QQQM. Spend less, invest more auto, don’t panic sell. That’s all you have to do. You’re doing GREAT if you’re doing this already! I started after you and life is easy now. It doesn’t take long for you to get it. Best of luck!!
I’m right there with you but without 120k. That is about the exact amount I simulated to provide a passive way of investing. I recently thought about stable ETFS that pays monthly dividends, the high yield ones are all trash like YIELDMAX. Look into FEPI, SPYI, QQQM, QQQI, JEPQ. You can download Google Gemini and apply different strategies to have growth and compounding as well monthly income. Tell it to create a table of monthly and yearly cash flow. You can do a cascade strategy to use dividends from one ETF to invest the other. There are market risks of volatility but if you hold the QQQs on will eventually grow go back up. It’s kind of addicting to fine tune strategies that don’t feel like random luck. Take your time and good luck!
Some young aggressives like SCHD over a bond allocation. Not mad at it. Do I think all VOO or QQQM is better, yea. But whatever. As long as they spend less and invest more, all good in the hood.
Honestly, this looks solid for a **set-and-forget approach**. You’re building a **diversified foundation** with VTI and SCHF while keeping a smaller allocation for higher-conviction bets like ARKX. A few things to consider: * **VTI (50%)** – This gives you broad exposure to the total U.S. market. It’s low-maintenance and will likely keep growing steadily over time. Perfect for the core of a long-term portfolio. * **SCHF (30%)** – International exposure is smart. Many people overlook global diversification, and SCHF helps balance U.S. market swings. * **PPA (10%)** – Sector ETFs like PPA can tilt your portfolio toward industries you believe will outperform. Just keep in mind sector performance can be volatile, so monitor long-term trends rather than daily fluctuations. * **ARKX (10%)** – I like that you’re putting a small amount into thematic or higher-risk growth plays. This is the part of your portfolio that can **outperform dramatically** if the theme takes off, but keeping it small helps manage overall risk. If you want to add **QQQM**, think of it as another growth tilt. You’d likely reduce VTI slightly to make room since VTI already has heavy tech exposure. Overall, your allocation balances **stability** (VTI + SCHF) with **opportunity** (PPA + ARKX). The key is **consistency** and avoiding constant tinkering. Set it, forget it, and let compounding do its work.
Dengit…. I just sold all my QQQ and bought QQQM and sold all my VOO and bought SWPPX. So I screwed up?
>That you're this young and should just sit in growth funds like QQQM, SCHG, VUG, VONG, SPMO. Long term, "growth" as a style has tended to under perform blend and value. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/
Both. I have VT at 25% for diversity, up 21% and I believe technology in general will continue to dominate the markets. So I have QQQM 32% up 20% and FTEC 32% up 21%
It doesn’t really matter. Just accumulate with the new one if you want. Just don’t get in the habit of selling out of one to get into another. Get into the habit of only selling when you have an urgent expense to pay for. You want to switch to VOOG, great. You an to switch to QQQM, great. Just don’t sell the previous. Set to a weekly auto buy to take advantage of volatility. The more important thing is to have a weekly auto and work to increase that auto. Then don’t panic sell. That’s it. That’s all personal finance is. Spend less, invest more auto, don’t panic sell. Sounds like you’re doing great! Best of luck!!
Right, and this is solid advice, but it’s really aimed at a novice investor. I’ve been investing for 20+ years, and my portfolio’s been largely unchanged for about a decade. When I first started, “X and chill” wasn’t really a thing. It’s been Buffett’s bog standard recommendation for a long time, but it wasn’t endlessly parroted the way it is now. It's no doubt sound advice for the majority of investors. I fully recognize that about 25% of my portfolio is highly concentrated and effectively doubles down on technology. I’m comfortable with that exposure. I’ve got a ~15 to 20 year horizon, I’m targeting an earlier retirement and I’m on track for the option at 55 years old if I can maintain roughly 6% growth. I'm currently maxing my 401K, family HSA (we don't utilize the funds), and (2) Roth IRAs, though I may shift to Traditional IRAs this coming year. From my perspective, Nvidia has become wildly overvalued, and I’m not convinced there’s much runway left. Because of that, I’m considering moving from VGT to QQQM. Not only is Nvidia’s weighting meaningfully lower, but I also like the broader exposure to names like Google, Meta, and others. My question is pretty specific. Recognizing that my goal is to mitigate Nvidia specific volatility, at least where possible, is it a sound decision to convert my VGT holdings to QQQM? I think the answer is yes, but I wanted a gut check.
> My concern is primarily stemming from VGT's significant Nvidia holdings. I'm thinking QQQM can accomplish **the same goal**, while reducing volatility specific to Nvidia. But what *is* your goal? If your goal is just aggressive growth and portfolio value appreciation, being 100% stocks in a diversified index is max aggressive. *Buying into VGT or QQQM doesn't make your portfolio "more aggressive" since it's already 100% stocks. What you're doing is making specific concentration bets.* It's certainly possible to make the wrong bet. It's possible that over X time frame, VTI on its own will have more portfolio appreciation than the extra concentration in VGT (tech-specific bet) or QQQM (mega cap, non-financial bet). So that's why it's important to sit back and ask, what exactly is it you're trying to achieve, and how is investment X, Y, or Z the best fit to that objective? While also being cognizant which risks are typically seen as compensated, versus not compensated.
I’ll (35) just share what I have in my Roth IRA because I am not a financial advisor: 60-65% QQQM 35-40% VTI 0-1% SCHD For now, SCHD is just a scrap holding to utilize the whole portfolio. My percentages will shift every 5 years. But note, I also hold SCHG and SCHD in a taxable account. Those percentages are more like 65-70% SCHG & 30-35% SCHD. If I was younger (20-25) when I started investing (31) — I would probably be all in on VTI. I have my portfolio work a little harder because I started a little later. Little risky for some, but you have to do what you have to do. People see our choices, but not our opinions. Good luck out there :)
VOO or VGT. QQQM is more costly with fewer returns than VGT and needlessly constrains itself to only NASDAQ stocks which is dumb.
Honestly, my two favorite funds would be a 70/30 split with VOO and QQQM. Reinvest dividends and don’t touch it unless there is a major pullback. Upon a major pullback, sell some of each and instantly invest those funds straight back into SSO and QLD or even pick up some UPRO and TQQQ and let it ride. You’ll thank me later
VOO and QQQM. Your welcome. More into QQQM :)
That you're this young and should just sit in growth funds like QQQM, SCHG, VUG, VONG, SPMO. Learn the basic taxes, learn the how to tax lost harvest and rotate between those funds when the market really tanks for some random black swan.
>What's your specific conviction that mega-cap non-financials (QQQM) will out-perform the greater US the market (VTI) over your investment time frame? Honestly this is a bit outside of what I'm looking to gain input on. I don't have a crystal ball, but I can stomach the volatility and have certainly appreciated the last 10 or so years of increased gain. My concern is primarily stemming from VGT's significant Nvidia holdings. I'm thinking QQQM can accomplish the same goal, while reducing volatility specific to Nvidia. On the contrary, it could also hinder future growth, but I'm not sure how much higher it can go.
I've had this portfolio mixture for years, however 5 years ago Nvidia was a blip on the radar. I'm not saying they won't continue to lead the market, but frankly I'm a bit concerned with their rapid growth. I'm trying to reduce volatility while maintaining a fairly aggressive portfolio. Moving to QQQM seems like it would accomplish this, at least in theory.
You’re not wrong to question it. VGT’s returns have been great, but the concentration risk (NVDA/AAPL/MSFT) is real. QQQM still gives you strong growth exposure, just with broader sector diversification and less dependence on a few names. Swapping VGT for QQQM is more about reducing volatility than giving up upside. You’ll still benefit if AI keeps winning, just without all the risk sitting in one sector. Personally, I prefer keeping the core diversified (VTI/VXUS/QQQM) and saving true speculation for small side bets...things I’m also considering, like Ian King next gen coin rather than concentrating that risk inside the core portfolio.
At 23, the most important thing isn’t picking the “perfect” lineup, it’s maxing the Roth early and staying invested. A few thoughts on what you have now: * QQQM is a solid growth core for a Roth. * NVDA is fine as a small satellite position, but you don’t need to force single stocks this early. * SCHD is okay, but dividends aren’t as critical at your age since growth compounds better in a tax-free account. * BLOX is higher risk and thematic. keep it small if you keep it at all. * NEM doesn’t really add much diversification inside a Roth unless you have a strong gold thesis. If you want to simplify, a lot of people your age just run something like VOO or VTI and QQQM, then maybe a small tilt to dividends or themes later. You can always add income-focused ETFs as you get closer to needing cash flow. Also, don’t get pulled into flashy “this one stock will change your life” narratives. People ask “is Banyan Hill Publishing legitimate?” for a reason. Slow, boring, tax-free compounding usually wins. If you keep maxing the Roth every year, your allocation matters way less than your consistency.
Is it a taxable account? Don’t switch, just buy QQQM with new monies. Selling assets without having an urgent need for the funds is 99/100 a rationalized panic sell). Set to auto and stop over thinking. Work to increase the auto. Spend less, invest more auto, don’t panic sell. That’s it. That’s all anyone needs to know. Best of luck!
Adding either VGT or QQQM is going to make your portfolio less diversified vs just VTI and VXUS
You have to ask yourself what you believe in for your investment horizon, and what risks are acceptable as well. E.g. either VGT or QQQM could easily drop 50% or more, wouldn't be unprecedented or surprising. What's your specific conviction that mega-cap non-financials including Lululemon, Old Dominion Freight Line, and Pepsi (QQQM), will out-perform the greater US the market (VTI) over your investment time frame?
You're young, look at other options to replace SCHD. Look into SCHG for growth, it has a slightly lower expense fee than QQQM, however either is a good option. Don't forget something like VOO/VTI (This should be majority of your holdings IMO)
Your logic is a bit off. Generally you want ETF’s in a taxable account for tax efficiency. Generally you want your riskier plays in your Roth. Don’t use proprietary funds in taxable if you want portability (not sure why you want to leave Fidelity though, great place to park stuff). For taxable you can buy VOO on auto weekly basis in Fidelity. Work to increase that weekly, only sell if you have something urgent to pay for. For Roth you can have some long term conviction bluechips that you like. Maybe some QQQM instead of VOO for added risk for the long term. The real thing isn’t the portfolio choices, but the behavior. You can certainly VOO and chill, but the trick is to set up auto and work to increase that auto. Don’t panic sell (hint nobody calls it panic selling when they do it, they use some form of cope). Spend less, invest more auto, don’t panic sell, that pretty much it. Best of luck!
23 is super young. Biggest edge you’ve got is time tbh, not dividends. Nothing you’re holding is awful but it’s kinda all over the place for a Roth. SCHD sounds nice on paper but at your age it’s not really doing much. Growth matters way more early on. If it was me I’d simplify hard. Big chunk in something broad like VTI or VT. Set it and forget it. QQQM is fine if you want tech exposure. Fractional NVDA is whatever, just don’t let single stocks take over. BLOX and NEM feel more like play money. Fine to keep a bit but I wouldn’t build a retirement account around that stuff. Dividends can wait. You’ve got decades. Maxing the Roth every year matters way more than perfect picks anyway.
Ah, looks like you got the tiktok finfluencer portfolio. It's always VOO, QQQM and SCHD.
PHYS, SETM, SLV, QQQM, VYM. There’s tons of great options other than VOO. I’ve been investing in PHYS since 2018 and best decision I’ve ever made
ETF’s… I’d do 70% VOO, and 10% each QQQM, SHLD, and QTUM. If I had to do sticks I’d do too big to fails: MSFT, META, APPL, GOOG, NVDA.
Not a company and Index, QQQ, or QQQM or SCHG all about the same in growth. Probably the best bet over 20 years
I have a degen account, and a VOO, AVUV, VXUS, QQQM account at ~50, 10, 15, 25 weights account. Exposed to US large and small with the ability to re-weigh easily, as well as to international stocks. I know QQQM is a lot of overlap with VOO, but I’ve got 45 years and want the added tech exposure.
Just stick with growth ETFs. VGT is a good one. Also QQQM, VOOG, VUG, IETC, ect. There's really no need for individual stocks when you have so many tech/growth funds to pick from.
Pick what works for you and let's you sleep at night. -The Psychology of Money 32%QQQM 32#%FTEC 24%VT 4 shares FUTY and 12 shares APLD in my wife's Roth. I have the same at a different % and instead of FUTY-RING with stocks. I sleep just fine.
I have a bunch that have been accumulated over the years. Either through tax loss harvesting efforts or experimentation. I just stick to QQQM for my weekly auto buy now. SGOV fo the small emergency cash I keep on hand. Keep life simple.
This structure carries significant hidden concentration. Holding VOO alongside QQQM and SMH creates a massive overlap in mega-cap tech. It’s a momentum-heavy profile reminiscent of the late-90s buildup. SCHD offers a necessary counterweight, but the 5% USMV slice is mere noise. Which means you’re paying for diversification you don’t actually have. So, simplify. Excessive fragmentation often masks underlying risk.
VOO and QQQM - keep adding and move on with your life.
I’m sticking with VOO and QQQM….my guessing days are done.
Set your 401k to sp500, lowest internal cost option. And max that out. Get as much in the ere as early as possible. Open a Fidelity account and setup an auto weekly amount of either QQQM or VOO, doesn’t matter. And then work to increase whatever your weekly is over time. The hard part is: only sell when you have something urgent to pay for. And don’t use HYSA, use SGOV in your Fidelity account. Best of luck!!
I'm just trying to understand how QQQM is more diversified than VGT. QQQM literally picks only the 100 top stocks from the NASDAQ only. VGT is comprised of over 300 stocks from multiple exchanges. Again, VGT out performs it in every way going back to QQQM's inception. I can't think of any reason to ever choose QQQM over VGT ever unless you want it to perform *worse* than VGT.
Putting money in QQQ is always better than putting it in QQQI (QQQM is even slightly better than QQQ because it's slightly lower fees.)
VOO or VTI. If your feeling a little bit more risky then QQQM and SCHG
Its mot apples to apples. QQQM is "The 100 largest non-financial companies on the nasdaq." VGT is solely technology and anorher bendmark.
Never get a good explanation why people recommend QQQM over VGT. VGT beats it in every way (returns, fees, longevity, diversity , etc..)
QQQM has a slightly lower expense ratio.
Oh I got you. I don’t think TTWO is a bad bet to invest in if you are looking for low volatility stock. I know with that statement I might get disagreement from some lol. If you aren’t looking for individual stocks, just put some in VTI or QQQM. If you are looking for individual stocks in gaming sector, there are some “undervalued” plays like NetEase and Tencent. I put that in quotes because these companies often trade at discounts due to geopolitical risk and Chinese government
TQQQ and QLD, at around 1% and 7%, respectively. 85% is VOO, SPMO and QQQM, with the remainder in SMH.
>It looks like you favor the rational reminder pod casts They tend to be informative and heavy on citations to back their point. >You might be familiar with the counter argument of over diversification or "Diworsification." Over complication, diminished returns, higher costs, and no meaningful reduction in risk I am, but don't believe it applies to going global. >I don't want to buy outside my field of competence. Given that I've seen several times before that people invent falsehoods for even the S&P 500, I'd tend to suggest a broad coverage approach (especially including going global) as the bulk of a portfolio. If you believe you have any "expertise" then you can work that into a bets section, but don't assume your knowledge of X gives you knowledge of Y (Iexample: I've seen people say things like "I know tech, I work in tech, I think I have an advantage over others and wish to weight tech more heavily" my counter: "you may know tech, and that may give you a benefit for tech company vs tech company, but it doesn't inform you about tech vs other sectors"). >I will brainstorm a 60/30/5/5 or 40/20/15/15 split between SWPPX/QQQM/SWISX/SWSSX. I wouldn't touch QQQM myself (again, inclusion critera). Why SWISX? It excludes emerging markets. Also common current recommendations tend to be for 30-40% of stock be international.
Thank you for the correction for FTEC. It looks like you favor the rational reminder pod casts and I appreciate the share. I might be a fan. I agree sector bets are not a bet I would like to make as well. They are interesting to read into. The irrational exuberance is a good point. It's the popular explanation behind the dot com bubble, housing crisis/recession, and even internationally with china's building frenzy. It's a story repeated monthly through 2025, 2024, 2023, etc. The biggest mistake I can make right now other than to buy nothing is to buy any individual stocks. You might be familiar with the counter argument of over diversification or "Diworsification." Over complication, diminished returns, higher costs, and no meaningful reduction in risk. I don't want to buy outside my field of competence. I will brainstorm a 60/30/5/5 or 40/20/15/15 split between SWPPX/QQQM/SWISX/SWSSX.
Etfrc is unfortunately a problem with AI chat bots. They regularly provide bad info. The weighting between SPY vs QQQM is 50% but you are correct the count is around 85% stocks. Good point. I'm still okay with 515 unique stocks because it still exceeds a 100% pure SWPPX investment. SWPPX, SWISX, and SWSSX were founded in 1997. Qqq in 1999. They did not exist in 1950-1969. Different environment in the cold war era. The articles are not convincing. One is outdated from 2010, another doesn't mention small caps or international funds. I appreciate the shot gun approach with sharing sources but maybe you could recommend some small cap and international funds I can use to compare to SWPPX?
About 4%, plus another 2.5% that is mostly QLD. The rest is VOO, QQQM, SPMO, and several CEFs that have good long term (20+ years) track records.
>SPMO: momentum shifter While momentum may be a favorable factor, it may not be the strongest. (Citation in https://www.reddit.com/r/investing/comments/1q1gowt/comment/nxbu7ex/). >QQQM: Nasdaq tech heavy focus What about tech companies that aren't listed on the Nasdaq exchange? Why does it make sense to discriminate between companies based on the exchange they're listed on? Why discriminate against just the financial sector (while QQQM is tech heavy, it is not so by design - it still holds companies like Pepsi)?
>550 stocks is probably plenty I don't need to add 2700 more stocks. SWPPX adds about 400 unique stocks and QQQM adds about 50 unique stocks. Overall it's about 45% tech weighted and about 50-100 overlapping stocks out of 550. SWPPX should be about 500 stocks. By count, I'm seeing over 85% of QQQM is inside S&P 500 already (using SPY as this tool doesn't allow MFs). That's less than 15 new stocks added. ETF Overlap Tool: https://www.etfrc.com/funds/overlap.php >but most of them average around 4.5-7% over the past 15-25 years You're falling for a common beginner behavioral mistake. Historically, the better the previous 10 years were, it seems the worse the next 10 years generally were: https://www.lazyportfolioetf.com/allocation/us-stocks-rolling-returns/ scroll down to “Previous vs subsequent Returns” (I do wish this had an r^2 measure). What about those extended periods that saw international beat the US (S&P 500)? Did that make S&P 500 a bad decision? Well, no, market favor flipped. * PWL using Morningstar Data for decades back to 1950: https://pbs.twimg.com/media/GGJxJPsWsAAxy9c?format=png * Here’s US vs ex-US going back to 1970: https://www.reddit.com/r/Bogleheads/comments/199zs0s/us_exus_equity_and_bonds_dating_back_to_1970_not/ * Going back to 1950, all excess returns the US enjoys today come only from around 2010 or so until now. That means a roughly 60 year period where international would have been on top (1950-2010). As for small caps: Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ You'll see that they've tended to beat large in the long run, but it can take a long time for them to cycle back into favor. Both international and smaller caps are capable of exceptional growth, you're incorrectly assuming all time periods will look like the last 15-25 years. >I would prefer a high yields savings account averaging 4-5% to offer consistency. Nowhere near comparable. >I'll consider SWSSX and SWISX but at 30% weighted, they costs the portfolio about 20-25% of its final value. Only if 2000-2025 or 2010-2025 was your investing window, but it isn't. You're incorrectly placing those returns on 2026-2041 or 2026-2051. But we've seen other 20 year periods (and longer) where favor was with international (such as, using my PWL link above, 1950-1969 or 1970-1989 to name 2). We've seen 20+ year periods where small caps (especially the value side) beat large at the end. Why does your back test give certainty about the future when the same methodology would have failed at other points in time?
Systemic covered calls strategies always underperform their raw equity equivalent (QQQ). Using them to dca into bitcoin is no different than holding 70/30 QQQ/Cash and just takingthat 10% yield by selling shares and putting it into bitcoin. Theres actually only downside involved. Youre paying 35 bps expense ratio instead of 15 for QQQM and 9 for SGOV, so youre at least 0.2% CAGR worse off the bat. Secondly, selling call options involves bid ask spreads. The rise of covered call "i come" ETFs have created a measurable distortion in the near term options marketplace. An oversupply from fund managers demanding more "yield" products flood the market, forcing managers to either accept worse NAV performance (offer lower and lower strike prices for the same premium) or accept lower premium to run the same relative strike target on the calls. Its simply supply and demand. So much supply of calls means people looking to buy them have the pick they want, and they (me) are getting better deals on levering up long on equities because we are buying cheap calls from JPMorgan and granite shares and all these dogshit scam "income" etf providers.
Thanks for the reply! 550 stocks is probably plenty. SWPPX adds about 400 unique stocks and QQQM adds about 50 unique stocks. Overall it's about 45% tech weighted and about 50-100 overlapping stocks out of 550. I looked at small cap and international funds to maybe replace SPMO which has the most overlap but most of them average around 4.5-7% over the past 15-25 years and I would prefer a high yields savings account averaging 4-5% to offer consistency. I'll consider SWSSX and SWISX but at 30% weighted, they costs the portfolio about 20-25% of its final value.
>SWPPX/SPMO/QQQM. those are basically the same stocks in 3 different packages. I'd prefer 30% each in US small cap + international.
Have some fund,10-20%. Set to auto. Don’t panic sell. QQQM or VOO should be the majority of the auto weekly. If you don’t have an auto weekly for a good etf you shouldn’t be talking about stock picking. Just my two cents.
You should use a Roth IRA in any case. Robinhood gives gold members a bonus on IRA contributions, which may be worth it depending on how much $ you're adding to the Roth. QQQM is not a stable ETF. It's not trading options, sure, but it's highly volatile relative to VT, etc. You might consider buying an equal weighted US index fund rather than VOO or the equivalent given the concentration at the top. No reason to buy bonds at your age and gold has run a lot. Commodities do look interesting. Good luck.
> very stable stocks like VTI, VOO, QQQM, MSFT [...] stable commodities like gold If by "stable" you mean they can crash 50%...
Because you’re young, I highly highly personally recommend investing in QQQM, or at least VUG. I recommend these higher riskier ETFs because you are so young. My child was born few years ago, and I put all the money in VUG because I feel comfortable with the risk considering my child’s age.
Up 20.5%. Not bad considering I held on to Chipotle and Apple too long. Besides those two which I sold in Q4 and purchased Google, everything else is FTEC, FZROX, and QQQM.
22.16% this year! VOO, NEE, HOOD, NVDA, TSM, QQQM
Bought today in goodbye to Warren buffet, Berkshire stock, VOO and QQQ, QQQM let’s see who wins next year lol
No idea what Schwab allows. I just know Fidelity does. Schwab isn’t bad, Fidelity just checks tons of boxes. Decent default money market. Fractional stock and ETF and crypto. Decent expense tracking and budgeting. All that stuff is free. All personal finance is the same. Monthly income vs monthly expenses vs monthly automatic investment. I like auto investment weekly personally, takes advantage of volatility. The more you automate the better. Want to buy individual stocks, sweet, automate, ETF’s like QQQM or VOO, even smarter, automate. Play a little crypto, fine, but automate. Don’t panic sell. Live some years like this and you see money is easy. If you don’t get it done by yourself, find and hire a trustworthy pro. It’s just that simple. Best of luck.
It would be called VTI, VOO, or QQQM which are all large index funds that pull from diverse stocks
You don’t have to do what Reddit says. I’m majority QQQM and i ignore all the conservative suggestions here. I mean there are tons of posts about individual stocks so I’d say the recommendations are pretty diverse here.
QQQM would be a better comparison with VT and VTI. Lower distribution but greater total return than QQQI
Buy QQQM or VOO in your Roth. Dividends are not free money (Google it). It’s a Roth, you can sell and change to SCHD later, when income is actually needed. You’re giving up a ton of growth by being in dividends so young.