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
Ha ha ha ha ha ha! Many will come here and downvote me fro saying this. If downvoted me, then I am right ! You are thinking correctly to invest in QQQM and forget it, but entire reddit mass confused you enough ! That is reddit ! Why do you come here and ask all generic retailers? Just invest 100% in QQQM and keeping DCAing for rest of the period.
Firstly “dividend/safe stocks” are costing you a fortune. They grow more slowly than growth stocks and the general market. Invest in broad market ETFs (VOO, VTI, VT) and some growth stocks and ETFs (SPYG, SCHG, QQQM). There is more short term volatility but you will be wealthier in the long term. I would recommend the HSA because it’s a tax efficient way to pay for healthcare if you ever end up in a situation with high medical expenses and your insurance is giving you problems. You could also do that with your savings/investments but HSA is more efficient. I would recommend 50/50 VOO/VTI for your HSA. It’s not as aggressive as a brokerage or retirement account should be in case it needs to be used but still grows relatively quickly. I would probably stop contributing once you have enough that you believe you are unlikely to need more for healthcare (maybe $100,000) and then just let it grow on its own. Your health should be one of your highest priorities and I would not leave its fate up to your insurance.
>Wanted to set up another retirement account so I decided on a Roth IRA for the tax benefits. Good idea >I have a hysa and an emergency fund account already. Great job >I’m leaning towards QQQ but seen QQQM has a lower expense ratio. QQQ and QQQM are the same thing. So the lower ER is better. However... >I think tech is going to be revolutionary in 10 years so that’s a no brainer to invest in that. Kindly challenging this viewpoint: what do you know that the rest of the market doesn't? And some advice, anytime you hear yourself saying "no brainer" with investing, stop and take a step back. SCHD was essentially a fad ETF; it underperforms broad market funds like VOO, so isn't desirable for a 20-something. If you're unsure of what to do, owning the whole market is never a *bad* idea. We've been on a \~15 year bull run with large cap growth outperforming peers, but that hasn't always been the case, and won't be the case forever. Mid and small caps outperformed large cap from 2000-2010. International crushed large cap from that time period.
If you invest 750 USD in QQQM every month for 40 years, by 10% compound interest (Based on history performance), you will get around 6-7Mil USD after 40 years. Just treat it as a side hustle my g.
Buy QQQM FBTC or FETH on an auto weekly basis. Cost is a dividend play, you’re too young for that. Focus on total return. Dividends are not free money. If you just live Costco, then all good. I buy them because I like them, full disclosure. Buy auto weekly. Set to auto. Do t rely on self discipline. Sell only when you have something urgent to pay for. That’s it. That’s investing. Have an emergency fund. Learn as you go, Rome wasn’t built in a day. Best of luck!!
I love QQQM and it has saved me many times but it's what I buy during a bear market. When I look at risk, I think of DCA being better than lump sum at this price. Who will buy at the price today, VOO is up 30%+ right now since the April correction without any corrections, so I'm scared getting in. If I brought VOO lump sum at the peak of the dot com boom, it would take me 8+ years to still see a loss. If I DCA, I'd be up within 5 years. Am I correct in assuming I should not lump sum my retirement and mid term savings at this price and DCA slowly while having cash?
For short term investing of value earmarked for an expense, beating inflation is not your primary concern. The market being down and being forced to sell at a loss is. VOO is large cap stocks. Long term yes it is medium risk. If you want to do QQQM long term for retirement that's not bad. It's less diverse than VOO, but it comes down to personal preference.
For the "down payment" with a 5-10 year horizon are money market funds and short term bonds the best bet? I'll beat inflation by less than \~1%. For a family and ongoing cost investing with a 10+ year horizon is that VOO (the middle)? The summit (retirement) with a 40+ year that's a little confusing. Companies sometimes don't last 20+ years like Yahoo and Enron. All retirement in QQQM the best bet?
27M, I don't even know how to start but I've made some mistakes and need help. I started investing in the last post-correction bull market of 2020 and thought this was easy as a college sophomore. Made lots of money without having a clue about stocks. Then the 2022 bear market brought my portfolio down 50% and some stocks never recovered. I bought 'good' individual stocks back then and it failed (XYZ Block, NIO nio, clean energy, arkg genomics). However, I kept buying the dip and recovered the entire portfolio. However, I pulled Berkshire after he did by selling at the top this year in February. Got a new job and was very heavy cash (80%+). Market corrected and I didn't buy. I regret it alot everyday and could have made over 50k+ if I didn't sell. Historically, there has always been a 5%+ correction that I wait for every 6 months. That didn't happen this year after April. Idk what to do and the money is losing value with inflation every day. I'm falling behind. I want to buy a home, save for a family and kids, and save for retirement. I have a matched 401k, maxed out Roth IRA. What do I do? Buying VOO today means I might not get to buy a home or have a family if it starts crashing. I also can't be cash. How would I allocate my life savings? If there is a crash, I'm saved and I can invest all my life savings into VOO and forget about it. I can hold it 10 year+ but not more than that. I plan to hold the retirement into VOO, QQQM, and VXUS but there has been no correction to buy it.
What would you say is a good split between VOO and QQQM? I currently have both but have much more in VOO
How old is she? VOO or QQQM, set for dividend reinvestment and call it a day. Teach her to invest auto weekly. Sell only when there is an urgent expense to pay for. That is the best investment in a child you can make. I see lots of people just giving their kids money. Learn to invest yourself. Teach your kids to invest. Sp500 or Nasdaq. Set to auto. Never rely on self discipline. Sell only when something urgent to pay for. Easy.
Or VTI and QQQM 🙋♂️ but also get a job get more every month even if only a lil at a time
Buy VOO and QQQM. Work on getting a job and buying more VOO and qqqm.
Do you think the NASDAQ will go too? I just started investing and bought a bit into QQQM.
I’ve thought about buying Google, Amazon, and Costco but they’re all in the 50% weight comprising the top 15 of QQQM, so that’s what I think I’ll just DCA into.
Given your limited time and long runway, I’d simplify by capping any single stock to <5% and gradually moving those into broad, low-cost funds (either a target-date fund in the plan or a 2–3 ETF core: total US, total international, and bonds), cut overlap (IVV/VOO, QQQ/QQQM), watch the heavy tech/SMH tilt, and set auto-rebalancing; you can find more info at mr-profit com.
Nice mix, but there’s heavy large-cap overlap (RSP/SCHD/QQQM) and no small-cap or emerging exposure, so decide if those tilts fit your risk and consider either a simpler cap-weighted core (total US + total ex-US) or adding EM/bonds. Set target weights, write a short IPS with a yearly rebalance rule you can stick to, and if you want a checklist you can find more at mr-profit com.
I got a very elaborate plan but it involves half a dozen investment vehicles and brokerages. Here's mine sort of: 401k Employer matched VT 401k Personal, VOO, QQQM, Emerging market and small cap. Roth IRA: VOO, QQQM, Thematic etfs and international index funds because I like doing those Cash: HYSA, Short term Bonds, Fixed Income varying, 6-7 specific funds for USA, Europe, Canada, Emerging Markets, Resources, Sectors, etc.
They already did, it's called QQQM. But lots of people stuck in QQQ for various reasons (inertia, unrealized capital gains)
Literally sold my SCHG, QQQM and SPMO for BYND ~17K. Should I sell my VOO (~11K) ? That’s all I have
You likely make great money, and have no outside investments of employer. Spend less, invest more. Automate. Open a Fidelity account (that’s who Amazon uses for 401k, so you likely already have one) and buy QQQM or VOO on weekly auto basis. Work to increase that weekly. Sell ONLY when you have something urgent to pay for. Make friends with an honest pro (most suck, be aware). Best of luck!!
compare your holdings to 100% VT and there is little difference in performance. also: SCHD + QQQM performs more or less like 100% SPY. regarding terminology, as *Investopedia* notes, a barbell is "a mix of high-risk and no-risk assets ... ignoring the mid-range of mildly risky assets." this is not the case with SCHD + QQQM. barbell assets typically are not highly correlated, also not the case here. RSP performs notably poorly in terms of risk vs return.
This is actually a really well-thought-out portfolio 👏 You’ve done a great job blending growth, quality, and international diversification while keeping simplicity and balance. The barbell approach between QQQM and SCHD is smart — it captures momentum without leaning too heavy on tech. RSP also does an underrated job of mitigating top-heavy risk from the S&P 500, so nice call there. If I were to tweak anything, it’d just be small refinements: 1. Consider a small-cap or emerging markets slice (like AVUV or VWO, maybe 5–10%) to capture long-term factor diversification and global growth outside developed markets. 2. Think about tax efficiency and rebalancing frequency. SCHD throws off solid dividends, so if this is in a taxable account, just make sure that aligns with your tax strategy. 3. IDEV is fine, but VXUS or IXUS could give you slightly broader exposure if you ever want emerging markets automatically included. Overall though — simple, diversified, logical, and low-cost. This is the kind of setup most investors would benefit from sticking with for decades. Nicely done
Long term investor here, I've been waiting for a pullback and didn't get one. I've been burned buying at all time highs for VOO and QQQM, and rewarded when buying during corrections and bear markets. This time, I can't stay cash, so I'll all in on short term bonds (give a bit of a higher yield). Is that fine for the short term? I'd like to eventually buy the index funds slowly over the next 1-2 years and plan on holding them 20-40 years. Don't see the point of lump sum on an index fund with my life savings at this price.
I’m done with this fucking shit. I’ll to back to investing in VOO and QQQM like the other sad 9-5 fucks and retire at 70. Fk you all
It’s scary to plunk down tje whole lot in one go. Think about a more conservative approach. Gradually DCA into a SP500 fund and a large cap growth fund like IWY, QQQM, SPLG. Once you are in, you are in for the long haul. No panic selling.
You used your Fidelity account wrong. Just set the auto buy. Work to increase the auto. Spare cash in Fidelity money market is better than any HYSA normally. SGOV is def better than HYSA. Not sure what acorns charges, but it is a waste of money. You can buy VOO and QQQM on your own. Sell only when you have something urgent to pay for. If you have a high income, find and hire a trustworthy pro. Otherwise just VOO and chill. Best of luck.
Get rid of acorns. Too expensive. Just open Fidelity account. Buy VOO or QQQM on auto weekly basis. Work to increase the auto. Never rely on self discipline. Set your 401k to low cost sp500. Don’t overthink. Only sell investments when you have something urgent to pay for. Never rely on self discipline, set to auto. Spend less invest more. That’s all personal finance is. Use SGOV on your Fidelity account instead of HYSA. Best of luck.
Not a stupid idea, but do not put the money set aside for taxes into VOO/QQQM, too. Treat it as if you already spent it and put it into an HYSA until your taxes are due. Any decreases can result in you being short on cash when it comes time to liquidate and you not having enough to pay your taxes (or needing to dip too much into your portfolio than you otherwise would have). Any realized gains are taxed as ordinary income if you withdraw within one year which defeats the purpose of investing it to begin with.
It will, but that's gonna be a lower high. QQQM went down to 168 (110 in 2022 low) in April, if you didn't buy it, then just dca a small amount every week.
Open a Fidelity account. Buy QQQM or VOO on a weekly auto basis. Then work to increase that weekly. Sell ONLY when you have something urgent to pay for. You can leave Schwab where it is. No you don’t need to “convert” (you’re already thinking of selling when you have nothing urgent to pay for). ETF’s are better for taxes long term in taxable account. Rome wasn’t built in a day. You learn as you go. You’re doing great at your age!! If you want FBTC or FETH, that’s fine. Buy auto weekly just anything else. Fidelity supports fractionals. You can $25/week if you wanted. Never rely on self discipline. Always set to auto. ONLY SELL if you have something urgent to pay for. Be suspicious of you “urgency”. If you learn this early you will see money is super easy. Best of luck!!
I’m currently all in on NVDA and have been dca-ing into it weekly since may last year, im considering switching to QQQM or VOO, I’m 33 years old, is it too late to make any substantial gain on an etf at my age? Or should I stay the course with NVDA and reassess a few years from now. Appreciate any feedback
I’m currently all in on NVDA and have been dca-ing into it weekly since may last year, im considering switching to QQQM or VOO, I’m 33 years old, is it too late to make any substantial gain on an etf at my age? Or should I stay the course with NVDA and reassess a few years from now. Appreciate any feedback
Buy QQQM on an auto weekly basis. Work to increase that weekly amount. Only sell when you have something urgent to pay for. That’s it. That’s how investing works. Keep doing your one off stocks if you want. But auto buy will win over time. Sooner or later you learn. Set 401k to lowest cost sp500 fund. Max that out as soon as you can. Same concept. Change nothing. Learn as you go. Rome wasn’t built in a day. Educate on bogleheads. Only sell when you have something urgent to pay for. That’s it. Best of luck.
To start you’re doing a really smart job. But remember to save a portion of your income that goes into savings/cash holdings (something like a HYSA). I’d say there’s zero harm in letting your money grow until you have to pay taxes on them but others may disagree, just make sure you sell in a timely manner to let your sellings settle. Also others may disagree with this but in Trump’s presidency investing in Gold ETFs might be more stable and yield more than QQQM or VOO. But that’s up to your preference.
It doesn’t have to be all or none. You can buy SCHG auto weekly amount. Work to increase the auto amount. Towards the end of each year see how much you want to blast at the debt. Do you need 35k extra income or long term cap gains? Either way is fine. Just continue to DCA into any investment. VOO QQQM SCHG, it’s all fine. You sell when you have something urgent to pay for. If you think that debt is urgent: make a plan. Do it over a couple of years. Or all at once. Just keep the basics in mind. And remember what got you to the dance: investing in the first place. Best of luck.
I’ve been there too many times. The shitty part of Roth is you can withdraw contributions penalty free. So I’ve done it many times, my QQQM low cost basis positions gone all cause I wanted to be a bear and got destroyed.
Why not state the stock? It matters… If it is a large blue chip. Let it ride. Diversify with new money. Buy QQQM or VOO on auto weekly basis. It is obviously in taxable account or you wouldn’t ask the question. Find a trustworthy pro and move the concentrated position with them (or at least the shares you know you WONT SELL, so it is essentially free). Have them do the financial planning element for you for basically free. The trick is finding a good honest one (most suck). Best of luck!
Yeah the downside is time for individual. go on finviz and check each of the ETFs to see what gives you a better return. [https://elite.finviz.com/quote.ashx?t=QQQM&ty=c&ta=1&p=d](https://elite.finviz.com/quote.ashx?t=QQQM&ty=c&ta=1&p=d) [https://elite.finviz.com/quote.ashx?t=QQQ&ty=c&ta=1&p=d](https://elite.finviz.com/quote.ashx?t=QQQ&ty=c&ta=1&p=d) couldnt find VEQT?
I am thinking to put 40% in VEQT and 60% in QQQM( instead of QQQ). this way I hedge risk a bit while still chasing growth. I am not an active trader, so I will not be fully focused on this every day.
Optimal depends on tons of other factors. Age. Desired retirement age. Income vs expenses vs auto investment. Experience. If it’s not a lot of money, VOO QQQM is fine. If it is a lot of money, find a trustworthy pro to discuss things with. Fidelity is pretty cheap. Vanguard is pretty cheap. Best of luck
Wait what? Is this just QQQM or TQQQ.
Why should folks take the first offer? Not much of a negotiation especially with QQQM at 15bps.
If you’re investing in things that require this kind of effort and follow up, you’re investing in the wrong thing. Buy QQQM or VOO in an auto weekly basis. Sell ONLY when you have something urgent to pay for. Set to auto, don’t rely on self discipline. You will be far richer in the long run. You will realize the ups and downs in the market are just noise. Have emergency fund, but that is the basis of personal finance. Spend less, invest more. Sell when you have something urgent to pay for. You will learn, or you won’t. Best of luck.
Honestly, it kinda depends on what you’re comfortable with. Some people add like 10–20% international just to spread things out but plenty stick with VTI and QQQM and do fine. Those already have big global companies in them anyway. I’d say just keep a balance that feels right for you. If you’re still exploring then I’d recommend to use simulator like finelo. I used it to test different portfolio splits and see how they’d perform in different market conditions.
So the broker doesn’t really matter. I like Fidelity because they do fractional for stock and etf. Chops budgeting and expense tracking. The reality is you should be buying VOO or QQQM on auto basis. I prefer weekly. Sell only when you have something urgent to pay for. But it sounds like you need help. So make a friend with some kind of pro. Maybe get a reco from friend or family. Someone in community. Trust is the most important. All personal finance is the same. The reality dangers is not being pushed to get organized and do more. Overpaying is secondary to money you never invested in the first place. Best of luck.
Roll it into an IRA, QQQM, set to dividend reinvestment. Setup a taxable and do the same on a weekly auto buy. Sell only when you have something urgent to pay for. You’re wicked young. Find a trustworthy pro if you make good money. Best of luck.
Find a good advisor you will listen to. You should be adding auto and weekly. Set your 401k to low cost sp500. Get QQQM on an auto weekly you can afford. Then push yourself to increase that auto weekly. Sell only when you have something urgent to pay for. Your emotions are getting the best of you. Find an honest pro who can help you through it. Best of luck.
QQQM is smart and safe. Can you elaborate
When you say: “Better” I’m assuming you mean returns? Yes there are. ETFs and Funds like QQQ/QQQM, FTEC, FSPGX, just to name a few, are aggressive growth funds that focus on a particular sector or exchange, or Company cap size. Nasdaq 100 focuses on the top 100 Companies listed on the Nasdaq exchange. Not nearly as diversified as an S&P fund or a Total Index Fund. But they’re not supposed to be. These funds are for aggressive growth. They will always outperform less risky funds in an up market or a Bull Market. But in a down or bear market, you are more susceptible to a larger decline, due to them being less diversified. But for me, the reward outweighs the risk. And historically markets go up overtime. If market goes down, I keep buying. Goes sideways I keep buying. Goes up, you get the drill. If you wanna be conservative, buy the S&P or a total index ETF/Funds, and something else that is more aggressive for growth, if that helps you sleep better. I am a big proponent of the NASDAQ, because of the many Companies they housed that I personally value. And I believe these companies will continue to go up in the future for years to come. We have lost the ability to do some many things well in this country. Except Tech. It is one of the only things we still excel at business wise here. So much so when Tech is down, the market goes down with it. That sector alone has changed so many people’s lives.
ETFs are good for those people who like to play it safe, something like a QQQM or VOO, you just put money in and hold. Most traders lose money, in that case I highly recommend ETFs to them. Personally for me I like being more risky so ETFs arent for me, they wont get the growth that you could get with single stocks
Find a trusted pro. Talk to several. Find one that focuses on building auto and mapping what you are on track for. Most advisors suck, so be prepared. Educate yourself, Rome wasn’t built in a day. You should be buying QQQM or VOO on auto weekly basis anyways. You have a great start. Best of luck!
Good lord. You want to panic sell to “riskier” stocks? That’s a new one. You need a better advisor. They have taught you nothing. Talk to a few more until you find an honest trustworthy one. You obviously either don’t have a good one, or you don’t trust him, or the problem is your ability to learn. Just move your advised account to Fidelity for free. Leave it alone. Set an auto buy for QQQM or VOO, I like weekly. Work to increase the weekly. Don’t rely on self discipline, set to auto. If you want individual stocks, fine, same thing: set to weekly buy. Set and forget. Sell only when you have something urgent to pay for. Switching plans, that’s not an urgent bill to pay for. Educate yourself, but I think you should just find a better advisor. Especially if you’re young. Best of luck.
Out of curiosity — is QQQ the better move than QQQM?
QQQM only out for 5 yrs. Yes XLK, SCHG, SMH, FNGS(etn), FTEC and MAGS will easily... all higher TR from QQQM inception.
SPYG has outperformed VUG and QQQM YTD this year, and has higher dividend than QQQM and VUG and lower expense ratio than QQQM (equal to VUG)
Stock picking is hard. If there are blue chips you like to own, and are young, sweet, do it. But you should do the same way as DCA of VOO or QQQM. Set an auto buy for weekly in a place that supports fractionals. Sell only when you have an urgent need for the money, like to pay for an expense. If you spend endless hours, or are constantly trading in and out, you probably would have been better off with VOO and chill. The stress isn’t worth it. But having some super old low cost basis for big blue chips is super nice. Patience is key. Best of luck!
I don't think the semiconductor ETF's are good for long term I am currently torn between QQQM VS SCHG I don't like XLK and FTEC as much because they are too top heavy
You're either suggesting that he starts stock picking or somehow has enough capital and ability to direct index QQQM. Both terrible ideas.
Honestly just buy the individual tickers instead of QQQM if you want higher reutnes
TQQQ is the best ETF ever! Risky, lots of ups and downs, but someone who invested $10,000 in TQQQ in 2020 would have $36,828 today Someone who invested $10,000 in QQQM in 2020 would have $23,014 today [Backtest Portfolio - ValueInvesting.io](https://valueinvesting.io/backtest-portfolio)
I am simply DCA into 70% VTI + 20% QQQM + 10% VXUS. Global market has not been doing well in past 15 years but I hold some VXUS because I see some trend of growth in this year, likely due to dollar devaluation. I don't hold cash beyond my emergency fund.
I’m taking a gamble and moved 3 of my 6 month efund to QQQM. This is a great buying opportunity. I think this is a repeat of April.
I grabbed a DEEP ITM QQQ LEAP along with shares of QQQM, SMH, etc. if I had more gunpowder I would have bought more deep ITM Leaps or synthetic longs but the orange many is never timed with me and this week I opened a number of CSP's that tied up my cash. Dammit!
Used 100% of my margin ($50,000) all in on SPY and QQQM shares literally yesterday afterhours. Thats how. plus everything else i held that wasn’t margin
Absolutely. Your approach is fine. Set to auto. Sell only when you have something urgent to pay for. I prefer weekly. VOO QQQM some individual stocks if you like. Stay alway from meme and penny stocks. But no wrong answers, or you learn permethrin quickly when you find yourself selling for reasons other than needing to pay an urgent bill (panic selling, stress, more work, etc).
Fiat always goes down. Its purpose isn’t to have stable value. Its purpose is to transact. And nothing transacts better on the planet, for better or worse. If you want to hold gold, great. It hasn’t been awesome since 2000, it’s been the last 5 of gold bugs gaining traction and sheep following. The gold bugs have willed this into existence, which end of the day is fine, it’s how markets work, more buy orders price go up. It might be wise, I would rather QQQM and FBTC personally. To each their own. Best to all.
Sure. I guess. Nothing I would ever buy or reco. I don’t believe in rocks. If we’re playing store of value, I would rather FBTC and call it a day. Most people should just stick to QQQM or VOO DCA. Sell when you have something urgent to pay for. Moving to gold after historic all time highs after decades of poo poo, reeks of FOMO. OP sounds rich, lowkey humble brag, he will be fine lol.
VUG is fine. VOO or QQQM. You need to get in the habit of doing it automatically though. Open a Fidelity account. Buy whichever ETF you want on auto once a week. Then work to increase that auto. That’s all personal finance is, spend less, buy more. Sell ONLY when you have something urgent to pay for. Rome wasn’t built in a day, you will learn as you go. Roth, maxing 401k. This will all come. But the most important foundation in my opinion is learning the value of weekly auto. And having a mechanism that forces you to compare to your bills and motivates you to do more. You’re super young, don’t be surprised if you cash out to have some experiences (I highly recommend that), but learn the foundations early. Best of luck!! Oh, and don’t use HYSA, use default money market in Fidelity or even better SGOV. Banks are good for ATM and Zelle. That’s about it. You’ll do great!
Yea, I used to invest in QQQM, VOO, and SCHD monthly. I am going to take a break from QQQM for a while and use that money for BND and VXUS.
Choosing the correct instrument is about when you will spend, not about your feelings. If it is dry powder for an entry (you will do this poorly), SGOV. If the money is for 10+ years down the road just VOO or QQQM and set a DCA for additional automated monies. If you can’t handle the stress, find a trustworthy pro and do what they say. This is no insult. Many struggle with this. Best of luck!
HYSA is a bank account. Don’t use those. SGOV is the move. Short term money: SGOV. Long term money VOO or QQQM. Set to auto, don’t rely on self discipline. Sell when you have something urgent to pay for. That’s basically all anyone needs to know. Learn to read historical performance vs your choices. Best of luck.
For you, I would recommend something like VT which is a total world index. It has everything domestic and international and it's got a low expense ratio. It doesn't get simpler, just buy and hold. If you spend a few more years learning, you might want to split it out into something like VTI and VXUS where you can control the percentage of domestic and international stocks if you want to. I would not go less diversified than the S&P500, which you can get through SPY, VOO, and other similar funds. You will probably be exposed to people hyping 2x and 3x leveraged S&P funds. Don't buy them. They are more dangerous than you think. You will be tempted to buy QQQ/QQQM, the NASDAQ 100. I wouldn't advise it. It's heavily tech focused and tends to grow faster but crash harder. Even though I own some, there's enough talk of an AI bubble that I wouldn't start to buy in now. Don't buy into the dividend investing dogma either. They're not bad for specific purposes but you're young, all you need to be concerned with is total return. I'd recommend checking out r/bogleheads and r/FIRE for more restrained investing and finance content.
Okay just taking QYLD as you’ve pointed out as an example… Starting in 2015, QYLD + dividend = around 124.88% return QQQM + dividend = around 512% Does this seem right to you? You can Google their difference in the same time period. Let’s forget about nav erosion and anything besides….but it seems like your argument like many else seems that you’ll still take the lower ROI because it’s an income stream…right? What am I missing here?
yes. QQQ and QQQM themselves hold some cash in money markets. usually less than half a percent but its there.
Concur -- no reason that you must be 100% in one ETF. I use VOO, VTI, QQQM, DIA, MOAT, and others. Pick ones that work for you.
Buy 1k worth of QQQM and wait 3-5 years.
If that is true, and I truly hope it is, then GREAT! Keep that up. Sell only when you have something urgent to pay for. That’s all investing and personal finance is. The planning and risk allocation and stuff is all fluff and afterthought. If you’re truly doing the MOST possible until FIRE, then there is nothing else to think about. Mag 7 and some VOO or QQQM, is fine. Best of luck!!
Enjoy the tasty % returns. But I bet if I look at your investment you stopped. When you have super low cost basis, it hurts to add more. You’re in love with your basis. This is emotion hurting you. There are no awards for % return. Only the size of the bag matters. I bet if you would have just DCA’ed your stocks you would be hella better off right now. Or DCA’ed VOO or QQQM. The % return wouldn’t be as sexy, but the overall bag would be much bigger. You will learn. Or you won’t. Best of luck.
This looks good. For some diversification, I would buy some high quality financial stocks like Goldman Sachs (my favorite), Capital One and Robinhood. Allocating 10% to gold via GLD or GDX will further diversify. So try VOO 60% QQQM 20% GLD or GDX 10% VXUS - 5% Remaining 5% into high quality financials
Depends on what you bought. If you are just DCAing VOO or QQQM, keep doing that. If you bought stuff on a whim that takes more effort. You’re experiencing the hard part of VOO and chill: the chill part. Generally I would say only sell when you have something urgent to pay for. Best of luck out there. Learn to read historical performance for your account. It will tell you if your choices were correct or not.
I would run with this - I also tilt a bit towards QQQM. The only issue here is, large cap blend is represented well here, but where's the rest of the market?
In a tax protected may consider vymi dividend ex us and some emerging marker X Us. QQQM and Voo tech overlap is heavy US tech. Spooky to me on a 15 year timeline, politically and at current values/currency risk.
I like your current portfolio but I’d change QQQM to FTEC or VGT
I also have 10% cash. I was about 40% QQQM, since about 2 weeks ago I’m now 20% QQQM and 20% VOO.
When my niece was born, I set her up an account and I've been buying QQQM every so often for her, usually whenever I take profit or her birthday. It started off pretty small, but at this rate, in 20 years, I don't think this kid is gonna have student loans
VOO and chill… wanna slight tech slant to 70% VOO and 30% QQQM
QQQM will work better with your balances
Nothing wrong with FSKAX at all, it's a great core position in your portfolio. If you wanted to put your foot on the gas a bit more you might consider allocating a chunk like 20% to higher growth stocks like QQQM (same as QQQ but lower expense ratio), SCHG, or VGT.
If tech focused, then it's QQQM or VGT. Otherwise simply VTI/VOO/VT
SPMO, SMH, VUG, VONG, SCHG, QQQM, MGK pick your flavor
So glad I moved all my QQQM into NBIS
Too many ETFs. Pick one or two and stick to them. When you over diversify you are shaving your profit margin. And you’re also in ALOT of single stocks. Try and think logically. You think all 16 of these companies will experience consistent growth over the next 5-10 years? If that answer isn’t an absolute yes then consider trimming your positions. Stick with things like nvidia and palantir. Leading companies in their sector. Other than that, you should park the rest of your cash in VOO and QQQM and call it a day.
I wouldn't buy individual stocks because it is a lot more risky. If you want to have an event more AI tilt than VOO/VTI already has, then I would just add QQQM or FNCMX.
Its good you got attracted to investing, less so because of options. 60k at your age is awesome. If I were you, take this as you will, id keep 10k liquid for living, and 50k in the market. Primarily ETFs cause your new to investing and maybe a bit into a blue chip. My portfolio once had a bunch of different individual stocks and while I made money it was volatile. Currently I have all my money in QQQM, VOO, NVDA, Home Depot (from childhood gift from uncle) and some transportation/logistics etf that escapes me right now. Have around 90k in the market and am chilling currently.
Congratulations on completing college after all your hard work. Sounds like you know the value of an earned dollar. I personally would be a little anxious about putting all that hard earned money into one focused ETF. I would consider putting 30k into VTI and 30k into QQQM to cover more bases or a 40/20 split.