QQQM

volly1985

I’m sorry to say this, but I think the biggest risk in your life is the next time your family needs cash, not which type of IRA you need. The last time they took you $70k so I’m not sure why you think the next time will be only $5-6k. Stop hoping one day they’ll magically pay you back and start protecting the money you have left. Get out of that house and rent a room as close to work as you can comfortably afford. As for what you actually asked about — VOO/QQQM/SCHD is fine (the default youtuber recommendation). You should get your employer match in a 401k (or roth 401k if they offer it). Max out your personal roth IRA. And contribute to a taxable brokerage too. You’re sitting on a nice sum so you ultimately need to most of it invested in a taxable account (less ~6mo of what your new living expenses are after moving out).

PeaceLvSpreadsheets

VOO and QQQM stuck out to me as well as the only two worth continuing to invest in.

Heyhayheigh

Just buy more auto of what you want. Don’t sell. VOO or QQQM. Same thing for crypto. FBTC FETH, in a Roth is chef’s kiss. Set to auto. work to increase the auto. Sell only when you have something urgent to pay for. Talk yourself out of smart rationalizations to sell for other reasons: consolidate, hedge,simplify… all just excuses for selling when you don’t have an urgent use of the money. Best of luck.

Machine8851

Holding QQQM alongside VOO could help you outperform the index

Maleficent-Fennel250

You have my blessings look into SPMO and QQQM pairing.

PrettyLittleRosey

That itch is super common, feels like VOO is “too boring” when everything else is ripping. If your core goal is long-term wealth, keeping VOO as your foundation is smart. If you need to scratch the itch, carve out a small “fun money” bucket (like 5–10%) for QQQM, energy, or individual stocks.. that way you get your gamble without derailing your main plan.

matchew566

I'm building up my QQQM position

Heyhayheigh

You shouldn’t have SCHD at your age. QQQM or VOO, buy weekly auto. Work to increase the weekly. Even some favorite bluechips NVDA MSFT META on auto weekly make more sense than SCHD at your age. But it is easy to fall in love with basis, better to use dispassionate ETF’s. SGOV for short term cash/emergency fund. Sell only when you have something urgent to pay for. Look at your account when you have extra money to include in auto weekly. No other reason to check. You will learn. Or you won’t.

Heyhayheigh

Yea. VOO or QQQM and chill. Ditch expensive mutual funds. Best of luck!

micha_allemagne

You’ve got a solid core with VTI + VXUS, but then you tacked on QQQM and SMH which kind of just pump up your tech exposure twice over. You’re already heavy US large cap with VTI, and QQQM is just pouring more into the same bucket. SMH makes it even more concentrated. Not necessarily bad if you want to tilt hard toward tech, but don’t kid yourself thinking this is diversified. Here’s a breakdown of your portfolio: https://www.insightfol.io/en/portfolios/report/9d7f389450/

GaylrdFocker

You should be using QQQM for new purchases anyway.

jabezwaters

It really doesn’t matter, plus they are reducing the fee from 0.20% to 0.18% and if this for some reason still bothers you then buy QQQM

CrusingTheBlock

WTF is wrong with QQQ? Everything else is climbing, even QQQM. But QQQ can't climb back? This has to be some kind of cosmic joke to F with me.

Heyhayheigh

You can do Sep IRA. Look into it. Keep it simple. Do all of it in Fidelity. You can do fractional ETF QQQM in Fidelity. Set to auto weekly, work to increase the weekly. You’re doing great, I just worry crazy complicated setups means you won’t increase your auto. Best of luck!! You will do great!

Respectful_Word7036

Correct. And you can repeat with ETFs. There’s only one AMZN that any investor can buy. But there’s VOO, SPY, IVV. Hell, Invesco offers QQQ and QQQM identical funds where the only difference is liquidity and 5 basis points between expense ratios

Tabs_555

Given there’s no taxable event for selling, another way to ask this question is: If you take the current market value of your NVDA position and pretend it was sitting in a cash sweep, would you go and dump it all into NVDA? I think NVDA is strong, and even if AI doesn’t pan out, I think data centers will continue to be perpetually required. So it’s unlikely NVDA completely crumbles. However, you can get exposure to NVDA in other broad market funds like QQQM. You can also consider a portfolio re-balancing. Maybe you want 20% of your Roth IRA in some growth picks like NVDA. You can rebalance to that every quarter or every year.

RaiseEconomy5779

If you’re picking long-term tech (NVDA/AMD/ASML/etc.), one way to avoid missing the next pre-IPO winner is to *also* price the odds of those names actually coming public. Prediction markets (Kalshi, Polymarket) often list contracts like “Will \[Company\] IPO by \[date\]?” that trade between 0 and 1. A price of 0.42 implies \~42% odds - buying “Yes” is basically investing in that outcome: if the IPO happens by the deadline your $0.42 settles at $1 (profit \~$0.58 per share before fees); if it doesn’t, it goes to $0. It’s not equity ownership and it’s definitely riskier/shorter-dated, but it’s a clean way to express “don’t miss the Figma-type hype if it actually lists this year” without needing private shares. Practically, you can keep most of your monthly buy into broad tech (QQQM/VGT + your stock picks) and reserve a tiny slice for event odds on pre-IPO names you’re tracking. Just mind venue rules, fees/spreads, and liquidity, and treat it as a speculative sidecar to a boring core.

JoJoPizzaG

If you dont mind a little more fee for more reward and more risk, QQQ/QQQM is a good option

SufficientDrawing491

25% s&p 500 like FXAIX, 25% total market INDEX, 12.5% QQQM which is the NASDAQ, 12.5% VGT, 12.5% IQM and 12.5% into dividend growth. I like DGRO. FDVV might be safer with its stake in utilities, which is a growing and in demand sector. You can reinvest the gains to grow your income or skim them off and use them to pay bills. This is a solid plan. If you want safer lean more towards dividends.

SufficientDrawing491

25% s&p 500 like FXAIX, 25% total market INDEX, 12.5% QQQM which is the NASDAQ, 12.5% VGT, 12.5% IQM and 12.5% into dividend growth. I like DGRO. FDVV might be safer with its stake in utilities, which is a growing and in demand sector. You can reinvest the gains to grow your income or skim them off and use them to pay bills. This is a solid plan. If you want safer lean more towards dividends.

Wes_709

Sell everything and put all your money into Indexes like $SPY, $QQQM, and/or $DIA

Historical_Low4458

I wouldn't go 100% in QQQM any more than I would go 100% in VOO.

Sensitive-Good-2878

They say to invest in what you know and believe in. Don't just pick random stocks because theyre trendy at the moment. For me, my individual stocks are: - Dollarama (DOL.TO) because I am Canadian and believe in the brand - United Health (UNH) Because ive done a lot of research, and I dont see a company like that going away. And I know how heartless US health insurance companies are. - Amazon because their business model is unmatched, and they can have an order at my door the next day in a small(ish) canadian city. They're also into brick and mortar grocery stores now (whole foods). And their cloud computing business is just getting started - Cameco (CCJ) because I believe nuclear power is the future Other than that im mostly QQQM and VXUS

Momstercat

Waiting for the market to correct a bit and I’m loading up on more QQQM, QGRO, and SMH for the long run

Heyhayheigh

Hey, I agree. But life has to be fun also. I would rather people auto their favorite bluechips ALONG with VOO or QQQM, than do nothing. They should just learn the lesson early, set your auto for index and work to increase that auto. Ignore the noise. But that’s like having the perfect calorie restricted diet day one, they will crack. Often times by playing their favorite company realize this sooner.

trafficjet

How old are you? It kinda assumes life (and markets) are gonna play nice, and you know they never really do. like, what happens if you're in your "aggressive" years and a crash wpes out QQQM’s gains for 3+ years? or you're sliding into "retirement readiness" and suddenly BND’s not even keeping up with infltion while SCHD cuts yield? you're mking a lot of small bets in what feel like tidy buckets, but real life doesn’t rebalance itself that cleanly. have you ever backtested this setup through rough years, or is it more of a “this feels divrsified enough so I hope it works” type of deal?

DinoTh3Dinosaur

you mean like RIGHT NOW? I would probably buy some QQQM like RIGHT NOW MAN RIGHT THE FUCK NOW

SnS2500

Just by VOO and or QQQM. Both SPYI and QQQI are counterproductive unless you are retired with lowish income.

zel_bob

I don’t know the exact difference but they hold the same companies but QQQ expense ratio is higher than QQQM. I believe that’s the biggest difference.

Infamous_Writing4993

Thanks for your help. So what is the practical difference between QQQ and QQQM? thank you

Zealousideal-Tale815

To each their own, but I look at options more like long term investing. I sell secured puts and covered calls and buy to close if it makes sense, ie, contract already at 30-50% of full value in a short period of time like 1st week out of a month long contract, or suspect possible downside looking at RSI/Bollinger bands plus already made good profits. I look at buying call options more like gambling and would only do that with a very small portion and we had just experienced a huge drop, and I suspect that drop was an overreaction or we will recover by my expiration date, and even then prob wouldn't hold until expiration. SPLG for small account index trading, QQQM for medium, QQQ for larger. Honestly for small account though swing trading with shares outright has been more profitable. SPMO, CGDV, FTEC, idk your account size but if goal is growth, there's some great ETFs to DCA til it's big enough to Wheel QQQ, (im doing 1dte during overbought territory, 20Delta PUTS til assigned.) But good luck regardless. Still learning too.

Heyhayheigh

Buy auto on a weekly basis. Whatever you can afford. Sell only when you have something urgent to pay for. Work to increase that weekly. Do that every month of your life. You will likely have a little extra cash for fun plays. But let the auto be main part. VOO is fine. QQQM if you want more risk/volatility (can handle it emotionally). Set to auto.

Heyhayheigh

Learn the lesson. Buy auto. VOO or QQQM with most of it. Your frustration should only be on a super small part of your portfolio. The fun part. Sooner you learn this the better. You’re obviously not learning the whack a mole. Guess you will need to be not gag ride longer. The biggest things should be auto. Weekly. Have fun on the side. But that should just be the sizzle, not the steak. You will be richer for it. If you sell stocks without having something urgent to pay for. You’re probably doing it wrong.

creative_af_

Thanks! Good point, but QQQM is too diversified for me lol

urafonzanoon

Nice hit ! Do yourself a favor. Grab 100 shares of QQQM next time it drops 5-10% and then you won’t feel as bad if you bleed out the other 20k

Heyhayheigh

Open a taxable with a place that does fractionals. Set to auto. Volatility is great for strong DCA. You do what you can. If you zoom out enough you will laugh at your concepts of “much worse cost basis”. It’s all rather irrelevant if you truly mean long haul. You sound rather enamored with basis. You might want to set DCA with QQQM and just focus on increasing the DCA. Harder to fall in love with old basis on boring ETF’s. Best of luck.

Heyhayheigh

If you had an auto weekly you’d probably be ok. You should be doing that with VOO or QQQM. Harder to feel betrayed by indexes, pretty easy on single stocks. Learn the lesson. Or don’t.

Heyhayheigh

QQQM or VOO on a weekly basis. As much as you can afford. Set to auto, don’t rely on self discipline. Work to increase the auto. It’s that simple. Sell only when you have something urgent to pay for. That’s all personal finance and investing is. Best of luck.

Heyhayheigh

Check my past comments. You will see that I tell everyone the same thing: set up weekly automatic and work to increase that weekly. If you want to buy individual stocks, great. But always have an auto weekly. Sell only when you have something urgent to pay for. I even like auto on stocks I follow for a bit. I change them. But the base, the QQQM on weekly, that is always there, always push to increase it.

NoBoolii

Savings from last year until now. I bought a duplex towards the end of last year. Would it make sense to do QQQM and SP509 and then 2-3 stocks I believe in?

Heyhayheigh

It is the easiest one. You can accomplish with brokers that allow API trading. But M1 is just easier. Everyone I’ve ever seen use this is being overly fancy though. Just set a fractional auto buy of VOO or QQQM on a place like Fidelity that does fractional. Pivot when you feel like, but no selling, just acquire more on an automated basis. People who have fancy setups tend to not increase their automatic purchases. With a weekly auto buy of VOO of say $300/week, for example, you just have one place to increase to 350, 400, etc. That’s the value of having an advisor, at least a good one. When the money gets big, it is just one account to deposit into and they automatically handle the rest. And if they are good, they push you every time to increase those automatic deposits. That makes the fee worth it. People hate fees, but if no one is paid to push you, you will just have the same level of savings and investment. Maybe even less… Best of luck!!

Heyhayheigh

Where did that cash come from? How many years have you saved it? QQQM or VOO, set to auto. Make sure you leave some in emergency fund in SGOV. Don’t rely on self discipline, set to auto. Only sell when you have something urgent to pay for… Learn as you go but get started today. You will do great!!

Heyhayheigh

Fidelity account. Put in SGOV. Educate yourself on bogleheads. Buy 1,000 of QQQM and never touch it hahaha. Best of luck young buck!!

Heyhayheigh

You should have 6 months emergency fund in SGOV, then buy whatever you can weekly in a low cost ETF. VOO or QQQM, it doesn’t matter. Use a firm that does fractional. Increase that auto weekly. Then only sell when you have something urgent to pay for. Do that all your life. Yes there are things to learn and optimize. Roth. Etc. but get started today. Make it a way of life. Learn as you go. If you make really good money and it doesn’t get done, then find a trustworthy pro and hire them. Best of luck!!

Heyhayheigh

Why sell at all? Just acquire more in whatever “pivot” you want… set a weekly buy and work to increase the weekly. If you sell for reasons other than needing the cash to pay for something urgent, you’re likely making a mistake. 15 years from now, you can go back and look at what your sold shares would be worth had you just left them alone. Warren Buffet says he would be 100 times richer had he simply never sold. He considers himself the worst trader ever. The difficulty you’re running into is exactly why it is easier to just set an auto buy for VOO or QQQM. You will tinker with your “recipe” you won’t focus on the import thing: spend less, acquire more, let compounding happen unmolested

Mundane-String180

Honestly, this is fairly complicated and you shouldn’t take this advice as absolute. I’d start by holding less tech for example, remove QQQM since SCHG and VOO do similar things, and all three together add only small benefits. For most investors, VOO or VTI + international like VXUS is highly recommended by me and most experts as the two main ETFs to own. After that, the rest of your ETFs are optional and it’s your choice to own more. If you want technology, something broadly diversified in technology like XLK or VGT works well. If you want small-cap value, AVUV or VBR are probably the best. I personally like small-cap value, but if you prefer something else, choose a good ETF for that sector or factor and buy some. However, in most cases, VTI/VOO + VXUS should be your main ETFs in most scenarios at least.

Odd-Flower2744

Can’t wait to for QQQM to be at $10k and talk about how I bought my first share at $225. At least I hope lol

Heyhayheigh

Use a place like Fidelity or Robinhood that supports fractionals and buy on a weekly basis. At your age, it is not a bad idea to get you some super long term buy and hold. Some NVDA, some MSFT, AAPL. Whatever you like. The majority of the auto should be VOO or QQQM, granted. But at your age, get you some companies you like. Best of luck young buck!!

Mundane-String180

If you’re comfortable with investing all 40k right now then just put it all in right now. If you’re not comfortable with all 40k going in the stock market then dollar cost average it. Also I’m not trying to be annoying or seem condescending but just a heads up SCHD, VYM, and BRK.B aren’t value equities. They are more dividend-focused or large-cap QQQM is NOT broad growth it only has 100 holdings. It’s your choice but SCHG and VOO overlap. (they have the same stocks) To be exact around 50% are the exact same. It has a correlation of 0.94, to explain correlation 1 is the absolute most possible and -1 is the absolute least. A correlation of 1 means they’re 100% identical and -1 means it’s the exact opposite, a correlation of 0.94 means it’s practically identical. You’re better off choosing one and sticking with it. Also you’re already in so much tech you shouldn’t “go into higher risk tech” you’re already in a lot of high risk tech and the stuff you listed is just an overlap. If you have any questions or anything please ask even if you think it’s a dumb question.

Rav_3d

Who is advising that? Every investor is different. If you have a higher risk tolerance, by all means put most of your eggs in QQQM. Many will say “past performance doesn’t guarantee future results” blah blah. But you’re absolutely right: NASDAQ outperforms in bull markets, and we’re in one heck of a secular bull market that might have another 5-10 years in the tank. I don’t know about you, but I don’t see a world where technology does not continue to lead markets.

Difficult_Physics704

What are our thoughts on Tilray as they expand their business as well as the possibility of the reclassification of marijuana? I have a few stocks of Tilray with hopes for growth. I currently only have about $1000 in my account that I have spread out over a few different stocks to stay diversified. I have been thinking that making larger, smart penny trades that I could build my portfolio. It seems that this sort of stuff "clicks" for me in my brain so I'm seeing the patterns and understanding the lingo. I also have long term investments such as Google, Intel (I think they will make a comeback), Waste Management, and ETFs: IVV and QQQM. I've also noticed that carnival just started it's uptick so I bought into them to hold for a while before selling at the next drop. I've only really been getting into this for the last month so any advice for a noob would be nice.

Comfortable-Ad-7055

Why do you invest in QQQ instead of QQQM

Comfortable-Ad-7055

I might include QQQM I am kinda nervous lol

Bvllish

Several notable positions over 2 years * NVDA calls * AAPL calls * SPX 0DTE calls * SPX 0DTE puts (loss) * AMD shares * QQQM

TactitcalPterodactyl

VOO is probably your best choice if you want to stay safe and have good exposure to the market. That should be at least 50% of your portfolio. DCA into this every time you get paid and you're basically guaranteed a fantastic return. You can add in things like QQQM if you want some slightly riskier tech exposure as well, but IMO tech is currently overvalued and I think there will be a correction soon, but who knows.

Odd-Flower2744

I think both. More concentrated growth focused ETFs/funds like QQQ win in the long run imo. However it got murdered so bad in 2000-2009 it did not recover til 2015. 15 years to recover to ATH is brutal. Personally I run like 70 S&P500 30 QQQM and other growth focused stuff. As we have been near ATHs Iv been moving contributions to S&P500. During a downturn I shift to QQQ. Should we go down like 30% ill heavily reallocate to QQQM til recovery then rebalance. Goal to get mostly S&P500 return with a big juice to gains from QQQM in a recovery period.

lufisraccoon

*People are constantly focusing of ETFs like QQQM, SPMO, SCHG, etc. due to recency bias, in my opinion. Why?* Take a look at the top holdings of a small cap value fund like AVUV and compare it to a large cap growth fund like SCHG. Say you're a new investor, and you're really excited about putting your first couple thousand of dollars from your new job into your long term investment portfolio. Would you rather invest in Nvidia, which is in the news every day, or GATX Corporation, which I have no idea what they even do? Would you rather invest in Google, which uses many of the software tools you use on a day to day basis, or Magnolia Oil and Gas Corporation, which doesn't operate anywhere other than a few places in South Texas? Small cap value is ***boring***. That doesn't mean it's a bad investment - it does give an intuition as to why it's not all that popular with the sort of retail investors that talk about their investments on Reddit.

thetreece

1. QQQ is more expensive. Not super expensive, but more so than VOO or most other S&P500 funds. 2. QQQ is less diverse. It's US only stocks, and tech heavy. This introduces more uncompensated risk. Risk that can be mitigated by diversification is not compensated risk. 3. As somebody mentioned, the idea of using that specific index as an investing strategy is stupid. There is no reason to specifically invest in the top 100 companies traded on a specific exchange. 4. QQQ is basically performance chasing. Literally the only reason people talk about it is because it has done very well the past 10-15 years. This is largely because it is tech heavy, and tech has done well that past 10-15 years. People are essentially flocking to it as a sector-heavy fund. Sector outperformance is very cyclical, and it is unlikely that tech will be the big winner the next decade, and the decade after that. Tech is not a magic sector that just offers returns higher than the broad market. Sectors do not offer a risk premium. I say all this as somebody that owns like $30,000 of QQQM. It bought it for dumb reasons, before I knew better. It's in a taxable account, so I'll just let it ride instead of paying taxes on the gains. But all my other investments are Boglehead style (VTI+VXUS).

Tall_Towel_3420

Sure, but I went with QQQM since it's tracking Nasdaq vs a Tech ETF

Tojuro

I second this. VGT even has a lower expense ratio than QQQM.

chopsui101

When Invesco bought the former brokerage who ran QQQ it was originally set up to earn the brokerage company very little money. Thus they launched QQQM with lower expense ratios to get newer money to go into that one since they got to keep the expense ratios.

Whole_Natural_7809

For whoever believes in Tech being at the center of our lifestyle, invest in VGT > QQQ/QQQM > VOO, in this order based on your risk tolerance. FYI - QQQM has cheaper management fee than QQQ, both Nasdaq 100 ETFs.

HighFiveOhYeah

Same holdings, so pretty much the expense ratio. QQQM is more for passive long term investors.

FalcorDD

Dump $7k into an IRA and buy QQQM and let it sit for 40+ years adding $7k a year.

zel_bob

Isnt QQQM better. Not as good maybe as VUG but still better than QQQ? I don’t understand what makes it less

Historical_Low4458

If you're thinking QQQ, then you should go with QQQM instead. It's the same thing, but cheaper all the way around.

Tall_Towel_3420

$QQQM

scottyk318

Awesome situation... I think you're a little young for gold and silver and schd, however most of all you need to get more aggressive.... 30% VOO 50%. QQQM 10%. Mix of precious metals if you want 10%. FBTC Good luck with your investing adventure moving forward

rufio313

At your age, the biggest weapon you have is time and a long runway for compounding, not trying to pick the perfect ticker. If I were in your shoes at 22, with no plans to touch this money for decades, I’d keep it stupid simple: • 80-90% in something broad like VOO or VT (or a split between them if you want more global exposure) • 10-20% in something more aggressive like QQQM for a tech/growth kicker • Auto-invest every month, don’t panic sell, and ignore the noise The exact percentages matter way less than consistently putting money in and leaving it alone. Most millionaires were built from boring compounding, not lottery-ticket stocks. If you get nerdy about it later, you can tweak. But at 22, the “boring” option is secretly the most powerful. Since you mentioned you aren’t sure of the differences, here is a breakdown: 1. S&P 500 ETFs (VOO, VOOG, etc.) • VOO = S&P 500 index (biggest 500 US companies, weighted by market cap) • VOOG = growth-tilted version of the S&P 500 (heavier in tech and high-growth companies) • Pros: Low-cost, diversified, historically solid returns. • Cons: Only US large-cap stocks, so you’re missing international and small/mid-cap exposure. 2. VT (Vanguard Total World Stock ETF) • Owns essentially all investable stocks globally (US + international). • Pros: One and done diversification. You own thousands of companies. • Cons: Slightly lower historical returns than US-only funds because international markets haven’t done as well lately, but that could change. 3. QQQ / QQQM • Tracks Nasdaq 100 (very tech-heavy: Apple, Microsoft, Nvidia, Amazon, etc.). • QQQM is basically the cheaper-fee, lower-minimum version of QQQ. • Pros: Higher growth potential if tech keeps dominating. • Cons: Less diversified, can swing harder in crashes. 4. VUG • Vanguard US Large-Cap Growth ETF. Similar to VOOG, growth focused. • Pros/Cons: Same as QQQ but a bit more diversified and not as purely tech.

Far-Enthusiasm-5995

At 37 you still have a lot of runway ahead – 10–20 years is long enough that the market will see a few full cycles. The real question is how much volatility you can stomach. A 100% equity portfolio is going to drop 30–50% every so often; if that prospect doesn't keep you awake, there's nothing wrong with staying 'aggressive.' If you know you'd panic-sell in a crash, then it makes sense to build in some ballast via bonds or cash. VTSAX already owns most of the U.S. market, so slicing up 1% here and 2% there into momentum funds adds complexity without moving the needle. Many folks just hold a broad U.S. fund plus an international fund and call it a day. Factor or momentum tilts can be fun, but keep them small enough that you won't mind if they underperform. Your savings rate and sticking with your allocation through drawdowns will matter far more than whether you have 1% QQQM or 2% SPMO.

Far-Enthusiasm-5995

Love that you're diving in at 21 – your biggest asset right now is time, not fancy stock picks. VTI and VXUS give you a piece of thousands of companies across the U.S. and the rest of the world, so you're already well diversified. QQQM and the single stocks (NVDA, GOOG, etc.) lean heavily into tech and will swing around a lot; that's fine as a small 'fun' sleeve, but don't expect them to magically beat a plain index without more risk. Most people keep 80–90% in a broad market fund or two, then use the remainder for companies they follow for fun. The exact percentages matter way less than consistently adding to your accounts and having a cushion so you don't have to sell during a downturn. Keep it simple and let compounding do the hard work.

c47v3770

I’m actually trying to decide which one to continue contributing to. FTEC is obviously pure tech and QQQM is diversified in comparison. I guess for an aggressive portfolio, FTEC is the right one.

ConsistentRegion6184

You can double your time frame as well... if you retire at 57 you will still have some amount of equities at 77 or later. I just keep 2 core funds. But I always thought it would be interesting to hold something like FTEC or QQQM into later retirement without touching it.

Dirk_The_Cowardly

Index fund. VOO is good. QQQM as well, if want dividends monthly QQQI

Living-Ad8754

90 percent of my portfolio are in ETFS like VOO and QQQM. But I want to gamble a bit with covered calls/wheel strategies. I don't own any quantum stocks. I do own bbai and soun but that's it for AI stocks.

NYGiants181

Nah just go in voo or VTI or even QQQM! Don’t do options in Roth!

burnertaintlol

Over the last however long there's been a lot of news from Apple that isn't great. I'm an Apple fanboy and I can tell you all about it. It's certainly possible Apple isn't going to grow like they used to, they're already a $3T company ffs However- AVP is only a bust if they let it be a bust. They sold as many units as they predicted they would and could make. They said from the beginning it was basically a dev and early adopter product. I hope they aren't going to abandon it for the glasses movement, we'll see. I'm also hoping their recent internal shuffling of execs doesn't bury the AVP. Late on the AI game 100% but they are aggressively working on that and said on the call they are "very open to M&A that accelerates their roadmap" They just added the AppleCare One subscription that I think will be a good source of reoccurring revenue They are already working on the smart glasses...and historically Apple has always gotten things right or executed them well or better than anyone arguably I think long term Apple is a great hold. I really do think they need a new CEO and will really benefit when Tim Apple leaves. They just did a major internal shakeup regarding AI/SIri/AVP etc. I think eventually they'll come out as a major player in the AI/Siri game for the average consumer. Everyone already has an iPhone, everyday people aren't switching from an iPhone to Android for Gemini and they'll be blown away by whatever Apple buys or comes up with in eventually if they aren't already using AI. It's not like they can't keep using an iPhone with ChatGPT or Gemini apps. I really do think the best investment advice I would give is just buy the index. Maybe go heavy into QQQM or MGK or VGT/VUG etc. Very tax efficient and takes the human behavior and basically often being wrong and never beating the index over time out of it. If I want to play individual stocks I think the best advice is to just buy whichever of the top megpacaps is down and never sell. There all gonna go back up despite what the current narrative is on them. An ETF can do this for you tax free though. MGK is very mega cap tech heavy and has a .07% ER. Like 60% of the ETF is MSFT NVDA TIMAPPL GOOG AMZN META NFLX and you won't have to worry about when to sell and tax consequences of doing so.

thetreece

QQQM is more risk, but not is not compensated risk, and there is literally no reason for a risk adverse person like OP to consider it.

Commercial-Week-6558

Okay great Well how I would go with this again this is my view we don’t have to share the same just so you know I’d go 50/30/10/10 50% on us total market 30% international stocks 10% us bonds 10%optional t’ils For your $20K Lump Sum Example • $10,000 → VTI • $6,000 → VXUS • $2,000 → BND • $2,000 → Tilt ETF (QQQM / SCHD / VBR) Then, every month, DCA in the same proportions. You can also check what some of the guys saying in the comments to check the links on the sub

kev0795

Not financial advice. But you could move it into SGOV. That’s what I did. It earns like 4.25% APY and it pays monthly and you just reinvest it. Or you could just put like 20k in SGOV and 30k into VOO. If you want a lil more risk you can do QQQM and VOO. QQQ is just 50% more tech exposure. Make sure you have an emergency fund first.

polyiizm

Sell for a loss and buy some VTI QQQM NVDA BTCO. Don’t kill urself. Fuck benzos.

d33p7r0ubl3

Just ask your favorite Chat bot to do it and it will show you plenty of links. I’m not gonna take the time to do that. Anyone who peddles QQQM for options doesn’t know what they’re doing.

d33p7r0ubl3

Yeah regards who have zero experience always post these same links. I could do the same that show the opposite. You’re telling me my TQQQ position bought after Liberation Day should have been sold intraday? People buy QQQM for its expense ratio. I think that’s a fallacy but that’s a topic for a different day as it’s unrelated to this topic.

d33p7r0ubl3

Don’t listen to this regard. TQQQ is fine to hold but not now given we’ve risen so much. If you want calls buy them on QQQ. Don’t touch QQQM

Aggressive_Luck27

yeah also look at QQQM. they don't have weekly options but that won't matter if you're going out to december

HealingDailyy

On the bright side you’ve learned a great lesson which, if followed, will pay dividends (literally and figuratively) going forward: buy and hold. Do not try to time the market. Hold QQQM if you want tech exposure. But if you are prone to panicking I’d recommend doing VOO and chill

tiki_51

First of all, as an 18 year old with 20k to put into a portfolio, you're in a great place. You don't need to be aggressive, but you have enough time ahead of you that you could be. You could literally dump everything (including your regular contributions) into VOO or QQQM and be set. Because you're younger, though, you have the opportunity to be a little more risk tolerant. However, you still need to be smart about that risk. If I were in your shoes, I'd dump 90% of that money (and 90% of your regular contributions) into an index fund with reasonable returns like VOO or QQQM. The other 10%, use it as a learning opportunity. If you want to buy individual stocks, buy individual stocks, but learn how to properly research. If you want to invest in more growth oriented ETFs, invest in growth oriented ETFs, just know how they work. Hell, if you even want to buy a little crypto, buy a little crypto. Just make sure you understand the risks of whatever you're getting yourself into. 5 or 10 years from now, you'll probably be a more savvy investor, and you'll definitely know what you're comfortable with. For now, play it relatively safe but make sure that you're learning and using this as a growth opportunity.

ImPinkSnail

Drop GOOG and NVDA. Add 22% QQQM. Never sell. Burn that into your brain. Never. Fucking. Sell.

SnS2500

Choose IGM instead. First if you want tech exposure, get a tech ETF. QQQM is not a tech ETF. VGT has a narrower definition of tech though than IGM does. IGM has META, NFLX, SHOP, ANET.

Early_Apple_4142

2025 Roth IRA fully fund (7k) Hold 7k for 2026 Roth IRA and fully fund on 1/2/26 (probably first market day, don't think its open on NYD) Maybe hold another 7k for the following year. Other 79k: Invest 70k in VOO/QQQM/VTI in whatever percentages. Spend 9k on something you want/need/creating an emergency fund. Sure you didn't "work" for the money but you probably also had the discipline to not play with a toy for an extended period of time, you should get something sort of fun for it.

TAKINAS_INNOVATION

I’d go with QQQM personally. You’re gonna get overlap regardless. But QQQM grabs Netflix, Meta and other communication service companies which VGT won’t get. Yea VOO covers them already but I like meta and Netflix over Cisco and IBM and salesforce imo. Just comparing their percentages and their biggest holdings.

Adventurous_Carry156

Hey everyone, I’m still pretty new to investing. My current portfolio is just under $1,000. I’ve slowly been putting money in to get a feel for things over the last couple of months. Right now I’m holding VOO, QQQM, VXUS, and a little bit of SoFi stock since I recently opened a savings account with them and really like the platform. I didn’t grow up very financially literate. Neither of my parents are invested in the stock market, and this whole world is still pretty new to me. But I know investing is one of the best ways to build long-term wealth, and I want to set up a better future for both myself and my family. I’ve set aside about $10,000 that I’m ready to invest for the long haul, but I’m hesitant to put it all in right now with how high the market feels. I know it’s hard (or impossible) to time the market, but it’s tough pulling the trigger when everything seems overvalued. I’ve been considering dollar-cost averaging over the next few months, but still unsure. Would love to hear how others handled this stage when starting out. Did you invest during a high? Did you DCA? Any fund suggestions, strategies, or mindset shifts that helped you build confidence early on? Appreciate any advice.

dracony

Overall this time is really risky. The orange goon is destroying economy eith tarrifs and job cuts and the market is mostly propped up by tech hype.  * First thing you should do is make sure you max out your 401k contribution before you invest anywhere else. Also make sure your 401k is invested into something thats not high fees and has return potential. Many 401ks offer like 2 usual funds and then 10 of their own bs "products" that just grab fees. * Put that 12k emergency fund into a federally protected high yield savings. Its same peotection as your regular savings account but higher returns. Vanguard has a good option for that, called Vanguard Cash or smth.  * For the 3k I would put 1k into your brokerage settlement account/money market fund which acts like a savings avcount but has slightly higher returns. Then at some point maybe consider buying VOO with them. Its a good way to start handling a brokerage account without actual investment risk. I also suspect that VOO is going to downturn soon because of the economy policy. * For 0.5k I would buy QQQM which is the tech sector ETF thats doing most of the work in VOO atm  * Remaining 1.5k in VOO make sense, but do expect there being a downturn at some point within the next year.

bb1180

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.

Gunnar0410

Im 18 and seeking some advice on my current Roth portfolio. I have about 5,750$ in FZROX and about 1,500$ in FZILX and a small amount of 300$ in QQQM. I have started putting money into QQQM because i like the growth potential and on the more aggressive side? I plan to continue investing into QQQM until I reach my contribution limit (800$ left). Are these 3 funds good or too much over lap?

SnS2500

Don't flush money down the toilet. Just buy QQQ (well, QQQM).

BeConciseBitch

You’re good man. Just don’t make it harder for those trying to do better. Empathy is always best course. In terms of your question, it’s all a guess. I personally move most of my earnings from large trades into indexes like QQQM and VOO. I keep those at around 50-60% of my portfolio, and never sell. I made a good trade with OPEN where it became over 80% of my portfolio as it rose nearly 100%. Thats a huge win in my book, move most of it into cash and some of it into QQQM and VOO

Heyhayheigh

Do all VOO or QQQM (a little more risk), doesn’t matter which one. Educate yourself on bogleheads. Learn as you go. Your basic knowledge is lacking. Buy the same in taxable accounts on a weekly automatic basis. Sell only when you have something urgent to pay for. Use budget tracking and learn to check your historical performance for the decisions you make. Best of luck.

Fantastic-Agent-2428

If you wont need it for min of five years. Voo is fine or QQQM.

Starshadow99

It’s like a playlist but the stock version Tell him to get the featured playlist like QQQM or SCHG, everyone loves it and he won’t have to self manage the playlist ~so it go green~