QQQM

Hooker_Thresh

I only invest into QQQM

pacificmoon2012

80% QQQM, 20% SGOV. Rebalance once a year, stay disciplined, and chill. For a more aggressive version, try 40% QQQ, 30% QLD, and 30% SGOV. Higher beta, but still more cash ammo to buy the dip. Stick to the plan and you’ll probably outperform 90% of the people here.

unwanted_hair

Took my profits on GOOG literally yesterday ...and started a small position in QQQM.

0DTE4Me

I keep mostly cash because I’m in and out of trades often and I’ve found holding most companies long term results in less than I make from entering and exiting, sometimes you hold a company for years and the overall return is flat or negative so I prefer stacking cash from winning trades now obviously that’s easier said than done but I do have a really good win rate because I understand the driving forces behind price action so I position myself accordingly, a good example is google, I trade it when it’s on an uptrend and put the profits from that into shares I hold long term which I find to be better than initiating an actual large long term position that can drop in value and negate the entire purpose of investing, I know that such active management isn’t everyone’s style so I recommend having 1/3 in safe stuff like VOO and QQQM, 1/3 in swing trades on companies whose price action you’re very familiar with and 1/3 in cash to add to those other positions on red days as far as how to enter and exit those trades I could write another huge paragraph and idk how much space there is for one comment

Queasy-Doughnut-5512

I do 500% VOO 20% QQQM 10% VXUS and 10% SCHD and 10% whatever I want for fun that year. That is just what I like and I stick to it and don’t change

Junior-Appointment93

Need a basket of everything growth in a IRA. Income in a regular brokerage account. SPYI,QQQI, QQQM are just a few. Look at things that pay monthly. At 23 and investing you could be making up to 10% a year by your mid 30’s to early 40’s. That could be 6 figures or about that. So if you wanted to retire early and had it all in a IRA you would have to wait till your 59 and a half. In a regular brokerage account you don’t have to wait. It’s all about balance.

NorthvilleGolf

You could have just bought VOO, VIG, SCHD, VT, NOBL, QQQM, or SCHG and been doing fantastic.

Avalonisle16

I wouldn’t have them manage your money.  Put say 50% in a S&P 500 fund (VOO with Vanguard which you can buy in Fidelity) then 10% in a small cap ETF and 10% in a mid cap ETF  OR  instead of these three funds put say 60% in VTI - Vanguards TOTAL MARKET fund which includes large mid and small cap stocks. Then say 10% in an international ETF, 10% in FTEC or QQQM and 5% or 10% in an emerging  market ETF 

Pin-Last

I’d QQQM all right now… but I’m guessing you prefer the S&P through VOO. Just suggesting that the Nasdaq is good too.

Shredded__

Individual stock. NVDA. Held since 2019. Never selling. ETF, prolly VOO, but almost as much in SPMO and QQQM.

bear_Prune8771

Meme stocks have lots of potential but not much else. QQQM or SCHG or VUG will crush stock like IREN and NBIS Long term. Always will

Extreme_Lab_2961

2 part answer SPX & QQQM are weighted by market cap. As it’s cap goes up funds must buy more While I don’t totally agree with it, one could point to growth opportunities in energy storage, robotaxi, robotics, etc as a bet on the future and driving the price higher

cptdipsht

By 51k worth of QQQM , you will break even by 2030

insightful_pancake

You can generally (or there has not yet been action taken against) sell VOO to buy SPY (different providers same index) and avoid the substantially identical rule. You’ll run into issues if you sell QQQ and buy QQQM (same provider same index). It’s a gray area.

Bitter_Cake6120

Just hold QQQ or QQQM.

Bitter_Cake6120

QQQM

herpervert

My research says that the number is 10% over the long haul. I just invest in QQQM and forget it. Anyway doing anything else properly is TOO much work for an individual investor

DontForgetTheDivy

Same answer. Nasdaq 100 and QQQM are the same thing.

herpervert

Just get an index fund like NASDAQ 100 QQQM or S&P 500 VOO

Livueta_Zakalwe

Jeez just sell everything and go 2/3 VT and 1/3 SCHD. Or if you want to live dangerously, 1/3 VT 1/3 SCHD and 1/3 QQQM. Keep adding every paycheck and you’ll be rich in 20 years.

Electrical_Panda_326

Stay away from thematic ETFs like DRAM or NLR. It's not much different than picking individual stocks. VOO, SCHD, QQQM, that's all you need. You might consider SPMO too eventually.

RationalReturns

Bought 17k of QQQM few mins ago. Let the dump continue

RationalReturns

Allocated to QQQM. Down 7% this week and I decided to re-enter. Sold at 313 or so and got half in sub 292

RationalReturns

I’ve been using some funds to buy QQQM sub 293 and selling around 300-310. Been working well and but again today.

RationalReturns

I started buying QQQM again today after selling at 310 or so

KHVLuxord

Wait until you hear what QQQM holds.

jvaritek33c

No shame, I simply sold my GOOG and VOO FOR SGOV, VXUS, RSP, and a tiny tiny bit of QQQM

dpatel211

Trimming VOO/QQQM for some CORD profits was a good move for the week. Long live this CRWV bloodbath.

Pin-Last

Stock picking comes last. Put everything in VOO for broad market exposure, QQQM for diversified technology. Learn to DCA, look it up. Learn to handle your emotions, i.e. swings in the market. Stock picking is hard, it basically comes last in an investor's education, don’t try to be a hero.

jvaritek33c

I moved the majority of my ETF holdings from VOO to VXUS/RSP, with a small slice in QQQM

ManufacturerFlimsy29

Id go for QQQM instead of QQQ

NYGiants181

Sorry man. I'm down like 7K USD in a week. QQQM getting crushed lately.

zombiedividend

id put half of it into VOO and the other half into QQQM. but i love tech, so... lol

FRAB13

6/10. Diversify at least 25%. 25% on VXUS. 10% QQQM. 10% SMH. 55% VOO.

shanked5iron

Yea its called QQQM

RedditLeagueAccount

QQQM isn't a tech ETF. It happens to have tech in it route now but there are actual dedicated tech ETF's if that is what you want. My understanding is QQQ and by extension QQQM doesn't have a methodology that makes sense and it just happens to have ended up in a perfect situation. The data testing on other timelines did not do as well. But because of that it has been popular. Nothing wrong with it. It seems like it will do well. But I have seen mention that is is a arbitrary set up. I don't think there is any scenario where it massively fails or anything. I just focus on different tech ETF's myself.

Trick-Scientist-4666

I’m in VOO and QQQM. I invest $1K/week alternating between them. Anything extra I put into specific stocks like PLTR or SPCX. Even if the market tanks…QQQM is still the path long term. All tech is here to stay, forever. If not planning to retire in the next few years, welcome a tank in the market…especially on the tech side. Then you just keep buying that QQQM indefinitely and reap the rewards when it bounces back.

Severe-Weekend-6664

Honestly, I was mainly comparing them because I was looking at the balance between simplicity, diversification, and tech exposure. VOO is probably the best fit for the set-and-forget approach, but I was curious whether the additional tech tilt from QQQM or the broader exposure from VTI made more sense over a 5–7 year horizon. Not necessarily looking to move away from VOO just trying to understand if there’s a compelling reason to.

KeyTrainingk

Hey, saw your take on VOO vs VTI and QQQM. I like the set-and-forget approach, but now I’m curious what originally made you compare the three in the first place. Are you looking for something different from VOO, or just second guessing it?

wallix

VOO has been a disappointment for me so far. I put some in QQQM and VOO and Q has been eating its lunch and asking for more for months. Hopefully in the big pic that will change. I am an impatient person, though.

I-N00b-hi

QQQM?

Usual_Winner2774

i get that vanguard and robinhood never show it, and i was stuck looking for a free way to pull it out. i ended up writing a little python that pulls the daily NAVs from the ETF website, stitches VTI, QQQM, etc. into one sheet and then uses the built‑in XIRR for money‑weighted, but then calc the sub‑period returns to get a clean TWR. it’s a one‑off but it worked for my 12‑month DCA. anyone else using a similar approach or any tools you’d recommend?

Jealous_Bookkeeper20

ah got it, so you have automated recurring buys set up for 70/20/10. solid fund split. with new money flowing in every month, do you ever check if adding QQQM and AVUV is actually outperforming straight VTI, or do you just let the allocation run on autopilot without worrying about the comparison?

Unusual_Ambition_847

VOO or VTI as the core, then tilt some into QQQM if you really want more growth

DoinIt4DaShorteez

25, some split between VOO and QQQ or QQQM is what you want. If you want to be a little more aggressive in tech, then take 20% and spread it across a couple of tech sector ETFs or a few individual tech names.

Yoalec1

I'm currently doing $100 a week. I'm doing 75% VTI and 25% QQQM. I just want more tech focus. All on auto buys. They'll just keep DCAing

latch_fluky07

QQQM is also a good choice

MikeCheck_CE

Completely redundant picks. SCHG and VOO have 90% overlap... What are you trying to achieve by holding both? Stacking Nasdaq100 on top of the SP500 is just doubling up on 100 of the 500. Just decide whether you want the other 400 companies or not. And VTI on top defeats the purpose of buying VOO and QQQM in the first place if you're just gonna buy everything. SP500 is a handpicked list of companies by SPGI... if you're gonna buy the entire market, there is no reason to also buy this. I'll also point out that you are 100% exposed to the US market only. Nothing here is giving you any international exposure. If the US market tanks, you're gonna feel it.

NYGiants181

QQQM always and forever.

sonobono11

QQQM

tornACL3

QQQM if you want higher returns

mmsa12

If VOO is already your core, I’d probably avoid adding too many funds that heavily overlap with it. SCHG or QQQM can make sense if you deliberately want more growth/tech exposure, but I’d treat that as a tilt rather than another “diversifier”. Personally I’d think about it as core + tilt: maybe 70–80% broad market and 20–30% growth, then rebalance periodically. I’ve actually been working on an app that analyses holdings/market data and tries to make these trade-offs easier to reason about, so this is exactly the kind of question I’ve been testing it against.

RedditLeagueAccount

SPMO. IT is old enough now to compare it to Voo. It beats it. Downturns were a concern based on the type of fund it is but its clearly still winning. SCHD there isn't a point in doing until near retirement and even then... QQQM is doing well because tech is doing well. Just get VGT if going for that sector though. Currently I am having a hard time arguing in favor of QQQM. Assuming you don't think the tech bubble will pop.

JGdc12

What‘s your % split in the Roth for QQQM and AVUV?

sixsixsevens

QQQM

patiently_entropy

Buy QQQM or whatever the fuck. Or T. Can't remember.

Severe-Weekend-6664

For a 5-7 year horizon with a set-and-forget mindset, VOO is already the right answer. If you want slightly different exposure, VTI adds small caps, or QQQM tilts toward tech, but neither meaningfully improves on VOO for your goal. What's pushing you away from it?

FewUnderstanding2214

Why not but VOO or QQQM and bitcoin - you’ll be more diversified and have less fees than buying the stocks individually

ntaylor360

QQQM

Shredded__

Core of VOO, but tilt to momentum and tech: SPMO, XMMO, VGT, IDMO, AVUV, AVDV, QQQM, SOXQ, AVEM. This diversifies & crushes VOO. That is if history continues, which is never a sure thing, but it's been beating the market for me.

sonobono11

QQQM is an easy answer. SMH if you believe AI will continue to be a major theme (I think it will).

Smacpats111111

No risk: SGOV (3.6% annually, ties inflation) Low risk: VT (is a bet on the world economy, which I personally wouldn't participate in) Medium risk: SPYM/VOO (bet on America) High risk: SPMO, QQQM (bet on profitability of AI/tech sector) Crazy risk: QLD, SPUU (huge short term bet on tech/America) Genuinely do not do this: TQQQ, SPXL (yoloing everything and you would lose it all in a crash)

BillNyeForPrez

Sounds like you're doing great. 32m, single father of a border collie. $171K in 401k and IRAs, mostly VOO, and QQQM $180K in home equity $100K as 1/5 share of irrevocable trust invested in the most boring, boomer assets imaginable $22k emergency fund (should be about double that) \~$40K in vehicles and other assets

Hooker_Thresh

$1000/month into QQQM

NYGiants181

15k into QQQM the long way

Old_Stable3308

Roth QQQM AVUV Taxable VTI VXUS 401K FXAIX VSCIX See yall in 15 years

KitchenAccording8683

Just buy QQQM and chill if you're bullish on the big tech names. Maybe incorporate some VXUS/IXUS to capture some international and emerging market exposure. Or, XEQT, VEQT or something similar to continue your US equity preference but still get some non-US exposure as well. Perhaps allocate some towards precious metals, crypto. If you're set on META/GOOG, go with Google.

Pin-Last

QQQM

C2theC

QQQM and chill.

Shredded__

At 24, you have LOTS of time and can really focus on building up your capital as high as possible early. For now your goal is to get as much into VOO or VTI as possible. The more money now, the more compounding happens over time. Consider using some momentum ETFs to build up that capital faster. SPMO, XMMO, IDMO (international). Also be more diversified by adding some small-cap value with AVUV and AVDV (international). For high growth, tech: VGT and/or QQQM. And a little SOXQ for extra semiconductors if you like. I'm in my 40s and I still hold all of these ETFs and a few others and rebalance them often.

WhatMattersHere

Before changing the portfolio, I’d check one tax issue first.Since you’re retired on a disability pension, make sure you actually have taxable compensation that qualifies you to contribute to a Roth IRA. Regular pension/annuity income generally doesn’t count as IRA compensation, although some employer disability pensions can be treated as wages until minimum retirement age. Check how yours is reported before funding the Roth. On the portfolio itself, I think you’re mixing up “aggressive” with “concentrated.” AVUV, SMH, QQQM and EMXC give you exposure to: small-cap value,semiconductors,Nasdaq/growth,emerging markets excluding China. That can absolutely be aggressive, but it also means several very specific bets at once. You don’t need those bets just to have a high risk/high-growth portfolio. A broad market portfolio that is 90–100% stocks is already aggressive. If you want tilts, I’d start with a diversified core and then add smaller satellite positions only where you have a clear reason to want the extra risk. The phrase I’d be careful with is “build quick.” More concentrated funds can outperform, but they can also underperform for long stretches. They don’t give you a reliable shortcut. I’d also look at whether four months of emergency savings is enough given that your mortgage is about 40% of your pension and you no longer have employment income to fall back on. So I’d do this in order: 1. Confirm Roth IRA contribution eligibility. 2. Decide how much emergency cash you really need. 3. Choose your broad stock allocation. 4. Only then decide whether AVUV, SMH or other tilts deserve a smaller place around that core.

0nismic

I was initially planning on doing VOO + VXUS + QQQM, but I keep seeing people say to just stick to VT or VXUS/VTI 🥲 There’s a lot of conflicting recommendations

pr0prfkt

You’re not learning the real lesson. You can pick “some stocks” but the majority should be VOO or QQQM and call it a day. And everything should be set to automatic buys. Sell only when you have some urgent expense to pay for. If your stock picks are not conducive to this, don’t buy them to begin with. If you sell for any reason other than having an urgent expense to pay for, you’re likely just timing markets or panic selling.

SyllabubCultural8543

Nothing here looks crazy but there is enough overlap that I would make sure every holding has a job. A broad US core plus international and small value exposure already does a lot before adding QQQM, semis and another emerging market fund. Moon should stay separate from both accounts because it is wagering rather than investing, with play money making more sense for experiments.

Charley023

I'm confused, guys. Is it THAT hard to just buy QQQM and leave it alone?

NYGiants181

QQQM and call it a day. Just keep buying and buying and never stop. Every dollar.

sharp315

theoretically you want to hold your highest earning assets in the Roth IRA in order to maximize tax-free earnings. based on your allocations you could shift your Roth IRA to all or mostly QQQM seeing as that is your highest earning asset. then, apply your 70/20/10 split to your entire portfolio and not simply each account. for example, if you have a $100,000 portfolio using your above splits you should do something as follows: Roth IRA --> $20,000 QQQM Taxable brokerage --> $70,000 VOO; $10,000 VXUS \^ this is assuming your Roth is capped out but I don't know how many years you have been contributing but hopefully you get the idea.

citygeek

My family is very income and asset diversified. Knock on wood we’ve not had an emergency in 20 years.. So I keep about $75k in the brokerage in low beta assets like JAAA/SGOV/CLOZ and then DRIP on so it grows faster than inflation. Also, because most of the returns are in the form of dividends, there’s not this big “cap gains if I sell” mental hurdle if I truly need to sell. The other benefit of this is that by having $75k of my portfolio in low beta assets…it serves as a sort of mental stabilizer to the general day to day market movements. Meaning, if QQQM is -20%…perhaps my portfolio only shows -15%

Successful-Tea-5733

Yeah I've got QQQM and VOO for the majority of my holdings.

Pin-Last

Call Fidelity, 1-800-343-3548, they’ll walk you through literally everything to set up an “individual investment account“. Buy VOO (proxy for the S&P 500) if you want essentially the 500 sturdiest companies in the US, or buy QQQM (Nasdaq proxy) if you want the higher growth (but more expensive relative to earnings) tech type companies. The Nasdaq has outperformed the S&P for a while.

Pin-Last

As long as tech is where the growth is, QQQM is a better bet than the S&P 500 funds, basically S&P vs Nasdaq

DanTaude599

Fwiw, 25 shares each doesn’t mean equal amounts invested, so I’d look at the dollar values before selling anything. QQQM is a fund, while the other three are individual companies; putting all four into one would make this side account a bigger bet on a single outcome. If you still want to simplify, I’d decide what dollar amount you’re comfortable having in individual stocks over 10 years, then check the tax cost of selling.

vollov2021

Well, you could keep QQQM and pile the other 3 into it. But, why would you? Those 3 are good picks and unless you are taking profits, just let them ride.

Zyltris

[https://www.bogleheads.org/wiki/Prioritizing\_investments](https://www.bogleheads.org/wiki/Prioritizing_investments) I recommend you drop QQQM, as it provides 53% overlap with VOO.

MakingMoneyIsMe

I've been advocating 40/30/20/10 in SPYM, QQQM, SPMO, and SNSXX lately. I have my girlfriend in it.

Successful-Tea-5733

Good mix, I've historically invested 75/25 but QQQM has become a larger part of my holding since it has outperformed. I don't rebalance.

RationalReturns

I’m 27. I’ve got 20% of my portfolio on QQQM and 80% in VOO

Giorma13

I kept everything as it is and added 400$ to QQQM, QQQM become 53% and NVDA 46%, and thinking I will add 100$ to QQQM till NVDA becomes ~20% of portfolio and then I try to add something new, maybe VOO or some other stock. For now I'm keeping it as it is, reason I wanted semis is that the semi stocks were dropped and I was thinking it was great time to buy now.

Severe-Weekend-6664

At 58% in one name you're carrying real single-stock risk, so trimming NVDA makes sense. Just remember QQQM already holds NVDA and the big semi names, so swapping into a semi ETF concentrates you further rather than diversifying. Any reason you're set on semis over broadening into the whole market?

Giorma13

Appreciate the help! I ended up holding NVDA as-is and deposited $400 into QQQM today. My breakdown is now 54% QQQM / 46% NVDA. My plan now is to keep putting my $100/mo into QQQM until NVDA naturally drops to ~20% of the portfolio before I add anything new.

greenpride32

I prefer SMH over SOXX because there is more weighting towards NVDA and TSM. SOXX carries too much weight in AMD and MU for my liking. Not anything against those companies, but AMD has very high price premium and they haven't quite found that NVDA like anchor in the AI space just yet. MU still carries that cyclical worry. But NVDA and TSM are more or less the bedrock of semi space AI buildout. I don't really see any issue with holding some weight of all of QQQM, NVDA and either SOXX or SMH. I'd probably suggest you add VOO in there as well. Disclosure: Own QQQM, NVDA, SMH, VOO

Own_Relief_1740

My advice, FWIW. Hold NVDA. Add the $100/month to your existing QQQM. NVDA is the largest holding in that fund and you will get plenty of other semis exposure with that. You don’t need a semis ETF. I would also eventually add a S&P 500 index fund with some of your future contributions, preferably sooner than later.

DanTaude599

Fwiw, 58% in one stock is more concentration than I’d want, but QQQM plus a semiconductor ETF still leaves you heavily tilted toward the same sector. I’d put the new $100 a month into a broad index fund and gradually let NVDA become a smaller percentage rather than making an all-or-nothing sale, especially if selling creates a tax bill.

bear_Prune8771

That’s why you invest in broad market indexes. SPY, VOO, QQQM, IXUS, VTV etc

DarthSwash

My brokerage account outside of RSUs from work is entirely VOO, QQQM, and SCHD. as my RSUs vest and short term capital gains tax falls off of them, I just sell and use that capital to buy more of those 3. Doing a 40/15/45 split, in that order. I am not a financial advisor and do not claim responsibility for your financial ruin, however. But it seems to be working out pretty well for me. 🤷‍♂️

XxturboEJ20xX

Nah, put it in QQQM. Lower fee

1dirtbiker

Also, don't buy QQQ. If you want to buy the Nasdaq 100, buy QQQM. Same index, half the expense.

beeswaxe

in my view SPMO and QQQM are just better versions of VOO in up years. if voo is doing bad the other will probably be down as well but if it’s up than the other two will be up more and that’s when i’d pull out.

harrison_wintergreen

I understand the idea, but SPMO, QQQM and VOO are basically the same stocks in 3 different buckets. and those are 3 ETFs that performed well in the past, but they may not perform well in the future. something like IJR, small cap US stocks, might beat all 3 of those over the next 30 years. we simply can't predict the future that far out. we can make educated guesses about the next 10-15 years, but beyond that is completely unknown. the thing about VOO/VXUS isn't that it's necessarily the best performing option. the problem is nobody knows what will perform best over the long-term. the reason people use VOO/VXUS is to get average market returns at very low cost, and avoid 'tinkering' with the portfolio. there's research showing savings or contribution rate is the most critical part of investing success, and making too many changes or adjustments can be a problem.

lotsoflag

Personally, I would swap out the 20% QQQM for some international diversification. Doesn’t have to be just VXUS, I like to hold some IDMO as well. If you’re really set on chasing the highest returns though, you could even swap it out for something more aggressive like SOXQ (assuming you have high conviction in semis, but probably shouldn’t be more than 10%). Of course, just keep in mind the volatility with that would be even more intense, but like you said, you have a long time horizon to wait that out