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
The morning after the stock market shut down because of the dumb Iran thing, I dumped the rest of my dry powder into QQQM and XLK and it’s feeling damn good right now. Pro tip: when disaster strikes and the fucking stock market has to put the breakers on and shut down, put some money into it as soon as it goes back online.
I know you’re all a bunch of bears in here, but the morning after the stock market shut down because of the dumb Iran thing, I dumped thethe rest of my dry powder into QQQM and XLK and it feels damn good. Lesson: when disaster strikes in the fucking stock market has to shut down, put some money into it when it goes back online
Sell everything and buy QQQM and SCHD i know that's boring but i bet you will beat the s&p 500
If you’re trying to gain some diversification from the funds available in the TSP then I would consider funds such as: MOAT, MXHQ, AVUV, COWZ, FNDX, IWF, QQQM, DGRO
To preface all of this: I (25M) work for a federal agency where I’m not allowed to invest in the stock of banks or their holding companies. I have roughly $18,000 invested in personal retirement accounts (about $8000 in trad IRA and $10,000 in a Roth IRA). I make $78,000 a year and I’m about to get a 10% raise, plus another 8% in 2024 and another 18% or so in 2025. I don’t have any debts. I have a Roth 401k that I contribute 5% each paycheck to, and the same for the federal TSP. Both are matched by my employer, for a total of 20% of my salary to employer sponsored accounts. Both are invested entirely in target date funds where the managers adjust my allocations into more bonds and conservative investments as I age. This gives me some exposure to less risky investments without violating my company’s rules about investing in banks. I have about $6000 in a HYSA and $10,000 in a separate emergency fund. With all that out of the way: I’ve invested my IRA and Roth IRA entirely into QQQ. I also found out about QQQM recently, so I’ve been investing into that to take advantage of the lower fees and plan to continue using QQQM going forward. I have two primary questions: 1. Is it safe and sustainable to invest into QQQM as my DCA retirement vehicle? I know people say to invest in VOO, dollar cost average, and forget about it entirely, but I can’t hold VOO because it has several bank stocks in it. 2. If the answer to my first question is no, is there an ETF anyone can recommend that tracks VOO, or a similar broader index, but with no financials? (I know QQQ has financials in PYPL, so those kind are fine, but no banks or companies that own banks) I essentially just want something to passively and mindlessly invest in that tracks the broad market but that won’t get me in trouble with my boss. Any tips would be greatly appreciated. Thanks everyone!
100%. If I wanna puke while looking at my 401k or IRA, that means it's time to buy in my individual. I check around 3:15 every day. Bought a bunch of QQQM, AMZN, and LQDA at close on Friday as well.
Hey guys. I'm very new to this subreddit, I just joined yesterday and I was reading through all of the posts/comments. And I have two questions actually. The first is, why are a lot of people recommending investing in VOO, QQQ, SCHD, and QQQM? | was wondering what interests a bunch of people on it. Secondly, I'm somewhat new to investing and have taken it seriously within this year. I just wanted advice on what to invest in and how to more diversify my portfolio. Backstory is that im 20M, sophomore in college, and my main goal is to save for 2-6 years or till I am able to afford a car. I do have a part time job and an internship. I do currently have stock in NVIDIA, Microsoft, SCMI, SCHD, VTI, and Apple. But none of these are actually 1 whole stock its like 0.178181 for SPY for example.
For NASDAQ 100 there is QQQ and QQQM. For NASDAQ Composite is there any alternative to ONEQ?
I just need QQQM to get back to 181 by July so I can pay off my 0% Apr card that I maxed out to invest with
Sell all the junk in your account. Holding on to losses creates more losses. Buy VOO SCHD QQQM
Lol I bought some ETFs like VOO AND VXUS for my taxable and VTI SCHD QQQM for my Roth . That was like 2-3 weeks ago. And everyday all I’m seeing is RED lolol.. I mean I’m in it for the long term but fuccckkk I’d like to see a Green Day one day 🤣🤣🤣🤣
Take an opportunity to learn when you are only down $10 bucks. Took me 10s of thousands before I really got serious. VOO is a long term play. Nobody is waking up the next day and retiring because their low cost index fund went to the moon. Millionaires are made over decades not over weeks. The general trend is up and to the right. Over a 20 year period S&P has been profitable 100% of the time. That said picking and choosing which 20 years the rate of return could be 5% could be 25%. NVDA has been going up fairly parabolic since the beginning of 2023. A single stock has more risk. Is it overvalued; truth is nobody knows but between those taking profits, those unsure, and those panic selling because it’s anything but nothing but gains; buying at the top or on hype comes with inherent risks. I’m heavily invested in NVDA through multiple index funds that said if you are DCAing into your position and have a 20+ year time horizon. Then cut out NVDA and build a foundation in VOO. If you are going to buy a single stock look into Warren Buffets strategy. Spoiler: it ain’t easy. What’s more he suggests the average investor invests in a low cost S&P index fund. If you want exposure to AI then look into semi conductor index funds SMT, SOXX, SOXQ…I own SOXQ which is about 12% NVDA, QQQM is about 7%, VOO is over 5%. Finally I’d suggest a 3 fund portfolio. Representing a foundation, defensive, and growth sectors. Foundation-VOO or VTI Defensive-SCHD or VYM Growth-QQQM or SCHG Bottom line don’t do what I did. If you want to maximize profits sacrifice your time to do your research. If you don’t then you’ll sacrifice your money to learn those lessons. Good luck!
Your core investments in your retirement accounts should be the broad market. If you want to do growth plays on the side in your taxable brokerage either via index fund like QQQM or VUG, or stock picking, go right ahead.
QQQM and chill. My 401K doesn't have that, so [https://www.reddit.com/user/Pension2options/comments/1bxor4f/401k\_timing\_is\_a\_a\_lowlevel\_skill/](https://www.reddit.com/user/Pension2options/comments/1bxor4f/401k_timing_is_a_a_lowlevel_skill/)
What's the reasoning for QQQM? Is it based on an actual understanding and agreement of the inclusion criteria, or is it simply performance chasing? If the IRA uses VTI + VXUS, consider similar but different funds for taxable in the event you ever wish to tax loss harvest. Such as ITOT or SCHB for US, IXUS or VEU for ex-US.
I've owned QQQM for 2 months and it's been a bitch the whole time.
This is a great discussion but highlights the problem in answering this question. For the last 20 years growth has outperformed. But in the 80s it was value, late 90s was tech, etc... Answer is nobody knows. Past performance does not predict future results. At your age you have time on your side but a 40% dip would be a setback, so I would diversify in multiple funds. VOO, QQQM are both popular, maybe even a Russell 2000 index incase the much-promised small cap boom every really happens.
VUG has an impressive return. VOO or the 500 is my base investment and essentially what I have as my base. It is what I consider the market. I also have a mix of QQQM, which is more VUG....but VUG performed better. I have a mix in my investments of SPY, QQQM, and then specialty indexes/AAPL. I like SPY as a base because I just feel long term it will come back out of any down turn that I have lived through. QQQ I see as a bit more risky, buy returns are amazing. I probably could find a fund that is in the middle somewhere, but that is much less fun than seeing the shiny semi conductor index bring in 100% return.
VT, VTI, or VOO 1/3 SCHD, VYM, or SPYD 1/3 QQQM, SCHG, or VUG 1/3 Do your research. Understand what the funds hold and their weight. Expense ratios, dividends, historic returns, sectors, liquidity, overlap…
VUG, QQQM, & VOO for me. Sprinkle a little AVUV
SCHD QQQM buy every payday and chill
I mean I don't have any money in gold at present so you won't hear any argument from me. VOO or QQQM offer better returns, especially since I'm not retiring anytime soon. Probably makes sense for some people though.
I am working 2 hours of OT daily, and I’m using it to but QQQM and SCHD daily. Every 2 weeks my 401K invest $884 in the market. Every month I get my military pension and I dump all of it in the market. Set it and forget it, not wasting any more time trying to figure out this market.
Mine is 70% VOO and 20% QQQM and 10% UPRO, today didn’t really hurt because I’m up 58% instead of 60%. If you are young you shouldn’t even need to think about bonds for a few decades at the least. Focus on riskier positions and manage your tolerance for turbulence, it will make you a hell of a lot more money than balancing your portfolio like you’re 60.
Not sure why you would go QQQM over QQQ
VTI QQQM SCHD for the next 20 years
There’s a lot of overlap between SPY and QQQ. 85% of QQQ’s holdings are in SPY. If you were to do QQQ, do QQQM, it’s the cheaper version of QQQ with lower expense ratios.
QQQM/VUG/VOO/VT depending on your risk tolerance.
Hey all, I currently have only a 401k with company for the match. I am about to open a Roth IRA and am unsure of what ratio and exactly what to invest in, currently this is what I'm looking at doing, id appreciate any help or advice. I'm 33 and this will be held till retirement. VOO/VTI ? SCHD QQQM SMH Maybe VGT or MGK? Want to stick to 3-5 of them. Thank you!
I recommend starting with 100% allocation in VOO. I wouldn't overthink it past that if your just starting out with $1k. Setup auto invest for 5-20% of your take home pay into VOO no matter if it's going up or down. I do half of that 5-20% in my wealthfront HYSA for a guaranteed 5% return and quick access to my money in an emergency. don't withdraw anything until absolutely necessary. define your budget, automate your payments, and forget about. fine tuning your portfolio has minimal value when just starting out, but if you want to nerd out then look into some ETFs like QQQM, XLK, SPAXX, and SCHD.
"Expensive" meaning $728 or a PE over 40? https://etfdb.com/stock/COST/ The top three ETFs holding COST performed worse than a savings account the past year, even while COST is +50%. You could try QQQM or PWB or maybe NUGO.
Buy QQQM, you'll get better returns in 3-5 years. Dash 137, QQQM 180. !RemindMe in 3 years to check the stock prices.
Tell your dad to dump that investment manager and do it himself. VOO QQQM SCHD is all he will need. If he wants a higher risk/reward add in a small amount of BITO (like 10% or less).
With my 401K mirroring VOO, how bad is dumping my HYSA into: QQQM 50% SMH 35% SOXL 15% I need something aggressive. Already spent 2 years losing $500 per paycheck on few-weeks-out call debit spreads.
just buy some growth funds (or probably total market if you're holding forever which is always the smart thing VUG VGT (tech not technically growth fund) QQQM (nasdaq not technically growth but full of the biggest growers/tech companies) But my recommendation is just buy as much VTI or VTSAX as you can as often as you can and never sell it and become a millionaire way faster than you'd think instead of making some wrong guesses and not timing stuff right etc etc
>At first I really liked $QQQ since it has had the highest returns out of the 3 **since inception** dip for these growth index funds recently don’t want to lose money buying in at the top. These statement pretty much tells me you have no idea what you are talking about. QQQM is QQQ with a lower expense ratio. QQQ is set up as a Trust (UIT) and QQQM is an open ended fund. QQQ has been around a lot longer which is why the return since inception. You should just dump VOO/SCHD/SPYI and buy VTI/VXUS or VT. Don't want to lose by buying at the top? Who's to say it doesn't keep going up though? The market regularly sets all time highs. What is recently? They lost like 30% 2 years ago. That's very recent when you aren't gonna retire in almost 40 years.
Just set up a recurring investment weekly, biweekly, monthly, or even quarterly for FXAIX and let it sit. Just make sure to max it out each year and don't worry about anything you read on the news. If you really have a reason to buy QQQ then go for it, (but get QQQM), but most people are just preformance chasing with it. If you want I'll go over why exactly I reccomend FXAIX instead of all the rest. Good luck! :)
Caveat im not a financial advisor, but if I was in your shoes, #1 is better of the two choices. If I had more choices, I would do something like this: 35% VOO 20% VTIAX 30% QQQM 15% VYM More importantly, there is a lot of market timing risk to just drop 250k in the market in 1 day. I would spread out my buys in 25k increments over the course of a few years. Pick a random day do it quarterly. Then sit and wait 30 plus years. Reinvest dividends of course.
It doesn't have to be 40/40/20 You could easily do VTI 25% QQQM 25% VOO 25% VXUS 13% SCHD 12% It has a lot of overlap - but who cares? It's a great portfolio and not too much thought to put into it.
I mean if I just went with my gut I would probably just do VOO/QQQM 50/50 or VTI/QQQM 50/50 and just be done with it. What's really the difference between voo and vti?
So for me I am kinda thinking either 50/50 VTI/QQQM or 80/20 VTI/VXUS or 100% VTI? Also saw a guy on youtube sayins 40/40/20 VOO/QQQM/SCHD any thoughts?
Dumping all of my HYSA into my brokerage account. Very little to no 401K. Below is the play.. QQQM 75% SOXL 12.5% TQQQ 12.5% I am not selling the 3x LETFs until I see 1,000% return on them. *Saw a guy asking for advice on reddit after his almost ATH purchase of $SOXL at $50 went down to $10. People were quick with "that's what happens when you long a leveraged volatile...", "now you need a 400% to recover..." blah blah. The post didn't age well because guess what?! A 400% did happen and $SOXL is back to $45! The guy broke even. I don't see a problem; is there a problem?* Can this go wrong? I don't see how.
What am I not seeing? With 401K split 50-50 between Vanguard Target Retirement & SPY, QQQM 75% SOXL 12.5% TQQQ 12.5% Saw a guy asking for advice on reddit after his almost ATH purchase of $SOXL at $50 went down to $10. People were quick with "that's what happens when you long a leveraged volatile...", "now you need a 400% to recover..." blah blah. The post didn't age well because guess what?! A 400% did happen and $SOXL is back to $45! The guy broke even. I don't see a problem; is there a problem? My brokerage account >>> 401K so I am technically all-in on the 3 ETFs.
VOO and QQQM are highly correlated and very tech heavy. I would look at diversifying a bit more and consider ETFs that cover other sectors and regions. You can also balance your portfolio by buying say 20% of a dividend ETF such as SCHD to enjoy monthly dividends that you can reinvest while providing better diversification and protection against events impacting the tech sector.
VOO and QQQM are highly correlated and very tech heavy. I would look at diversifying a bit more and consider ETFs that cover other sectors and regions. You can also balance your portfolio by buying say 20% of a dividend ETF such as SCHD to enjoy monthly dividends that you can reinvest while providing better diversification and protection against events impacting the tech sector.
Investing strategy for 26yr old Looking for some advice on which etfs to invest in. Have around 50k and will continually put in around 500-700/month. Don’t plan on touching it till I retire, hopefully early. I’m thinking about a 60/40 VOO/QQQM split. Is this enough diversity or would anyone recommend anything different?
I personally would use the mutual fund because of the lower expense ratio. Bear in mind that FSGPX benchmarks and tracks the Russell 1000 Growth so it's a bit different than QQQM. QQQM tracks the Nasdaq 100. The Russell 1000 Growth index isn't limited to companies which trade on the Nasdaq so it could be a better option.
I'm interested in nasdaq/large cap growth area, for long term investing. I was going to go with QQQM, but recently came across FSGPX. I get that one is ETF and the other is mutual fund, however I'm not going to actively trade so it doesn't matter. The expense ratio of FSGPX (0.03%) is little less than QQQM (0.15%). Is there any benefit for me to go with QQQM instead (ie long term hold)?
Can you elaborate, please? If you were me, what would you do differently? My balance is $24k atm with additional $1000 per month. I have 50% invested in long term hold QQQM and SOXX, and another 50% to play with options. If you have $12k in cash, what would you do in this case?
Hi All!! I graduated from college last year, am now making about 50k (in a fellowship position, so no 401k available yet) and want to think about investing for the future. I have a slew of random conservative ETFs and such I dump into now and then (VOO, VTI, QQQM, SPY, etc) and money in cash funds if that's what they even are (SPRXX, FDRXX, FXAIX, etc) and a few random stocks here and there (google, apple, Microsoft), but truly I have no idea what I am doing. I wanted to ask about any advice you wish you had at 22 when it came to managing your money. Is a high yield savings account needed? how do I make one, where, how much do I put in? Should I open a Roth IRA? How do I learn what the hell that really is and what I need to do to have one? Where should I be learning this kind of stuff? I'm currently saving over $1000 a month but its just sitting in a checking account... so please lmk what I should be doing that's a little bit more risky than this because I know I'm young, but also not too crazy like trading stocks, which I am simply not cut out for.
Pretty much SPY and QQQM. They overlap quite a bit.
Hi All!! I graduated from college last year, am now making about 50k (in a fellowship position, so no 401k available yet) and want to think about investing for the future. I have a slew of random conservative ETFs and such I dump into now and then (VOO, VTI, QQQM, SPY, etc) and money in cash funds if that's what they even are (SPRXX, FDRXX, FXAIX, etc) and a few random stocks here and there (google, apple, Microsoft), but truly I have no idea what I am doing. I wanted to ask about any advice you wish you had at 22 when it came to managing your money. Is a high yield savings account needed? how do I make one, where, how much do I put in? Should I open a Roth IRA? How do I learn what the hell that really is and what I need to do to have one? Where should I be learning this kind of stuff? I'm currently saving over $1000 a month but its just sitting in a checking account... so please lmk what I should be doing that's a little bit more risky than this because I know I'm young, but also not too crazy like trading stocks, which I am simply not cut out for.
Well, assuming you mean that your portfolio is 70% stocks and 30% bonds, probably the easiest way to attempt take it grow is to switch back to 80/20 where that 80% is some combination of a total market index/S&P 500 index fund and something like QQQM. Depending on age, then maybe you should consider something less than 20% bonds. Like maybe changing it to 10-15% instead.
[https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator](https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator). Time is your biggest ally. I sugest you set aside x% of disposable income and put it into the SP500 (VOO). You might want to diversify into NASDAQ100 (QQQ or QQQM) but it's much more volatile. Now punch your numbers into the calculator. Adjust your contribution as needed to meet your goal. If you aren't able to meet your goal, you'll need to consider finding ways to increase your income. Notice as you increase the number of years the numbers grow faster - this is known as the snowball effect. While the percent return is the same on $5,000 vs $50,000, the dollar amount return is substantially higher in the latter. Again time is your biggest ally - the earlier you start the larger the reward. Decades of data tells us that SP500 returns about 10% annualized return. Of course there can be great variance from year to year, and even long stretches of downturn. But again time is everything and in the long run you'll be ahead. The average indivdual investor is not going to beat the SP500 simply because they don't put in the time and effort - so if you can't beat it, join the club! Now I've reached the age where I know many millionaries and multimillionaries. If you saw their house, their car or the way they dress you would not guess they are. But they saved and invested early. On the flip side, I know others who have the fancy house/car/clothing/vactions but they are living pay check to pay check. Now if you earn enough there's nothing wrong with living the lavish life style if that's your desire. But my main point is you have control over your finances, IF you start early AND you stay dedicated.
Warren Buffett tells retail investors to put 90% allocation into S&P 500 low cost index (VOO qualifies) and reinvest the dividends The other 10% into Treasuries for liquidity. Or if you want some NASDAQ 100 exposure the QQQM is a lower cost version of QQQ. Disclosure: we are long both VOO and QQQM in our portfolio.
Just pick a few individual "safe" stocks if you want (I have most Magnificent 7 and some blue chip stocks) otherwise roll with VOO. I also DCA into QQQM to get Nasdaq/tech exposure.
Looking to invest my money in Roth IRA. I'm 35, not active/regular investor, just going to buy and hold. I'm interested in nasdaq/large cap growth area. I was going to go with QQQM, but recently came across FSGPX. I get that one is ETF and the other is mutual fund, however I'm not going to actively trade so it doesn't matter. The expense ratio of FSGPX (0.03%) is little less than QQQM (0.15%). Is there any benefit for me to go with QQQM instead (ie long term hold)?
I've only been investing for a month and the whole time QQQM has been a little bitch.
Basically the same. Within each group they track the same index, so they should provide the same returns. Main thing after that is fees. \* VOO, SPFIX, and other funds like SPLG and FXIAX track the Standard & Poor's 500 index ("the S&P"), which is more or less the 500 large US-based companies (they have other selection criteria that aren't terribly important here). When someone talks about how "the market" is doing, they're probably think of the S&P. \* QQQ, QQQM, and NASDX all track the NASDAQ-100 composite index, which is the 100 largest non-financial companies that trade on the NASDAQ stock exchange. This index is popular because it tends to be more tech-heavy.. \[Assuming you're in the US, NDX is the index itself. You can't own that, it's just the result of a math problem.\] Once you've decided what parts of the stock market you want to invest in, next consideration is usually fees, aka the "expense ratio". I'm seeing that SPFIX charges .41% of your balance per year and VOO charges .03%, so VOO would be significantly cheaper. --- Side note, but the funds whose tickers have five letters ending in X are mutual funds, while 3-4 letters indicates an exchange traded fund (ETF). The main difference that most people care about is that ETFs can be bought and sold during the day, while mutual funds are bought and sold overnight after the fund has recalculated the value of the assets it holds. For that reason most people these days prefer ETFs, but someone prone to gambling may feel more comfortable with a mutual fund because they can't trade on a whim and won't see the price change minute by minute. Also, since some mutual funds are been around for decades (SPFIX started 4/20/1992), sometimes they still carry restrictions and fees that were customary 20 years ago, like a minimum balance to invest or a transaction fee. Keep an eye out for those.
XLG is not a direct equivalent to VOO or SPY or SPLG. XLG is a concentrated fund of the top 50 or so largest companies within the S&P 500. So it excludes the remaining 450 or so that are in VOO and the others mentioned. If you are including a growth fund (QQQM/SCHG) in your 3 fund which you are then you’re going to be concentrating on those largest companies even further. I would stick with VOO or SPLG (as it has a lower expense ratio than VOO). But in the end VOO/SPY/SPLG and other S&P 500 index funds will be within .1 or so percentage points. They are all 99.95% the same thing, so stick with VOO or SPLG for that core fund.
Gonna be honest I'm not too mad about the dip, sold a QQQM call thats not out of the money again and expiring on the 16th or some shit, I like volatility lets me make sweet premiums
VOO and VTI and QQQM appear to have a large overlap. That was my main concern. I need to read up on MOAT.
I would not put 30% in international. Have you considered something like VTI or QQQM? i find MOAT to be interesting. Think about 15% into international and then another choice or increase VOO with the rest.
1- No idea - didn't even know there was a QQQM! 2- It's not just OK to do it automatically, its the best the way. Automating removes having to make a decision or having to remember. On red days yes you could add more, not a bad idea BUT be aware that red days can come in clusters 3. In theory there is no ceiling for as stock to go higher. I suggest not worrying about specific price levels and stock splits, but you are right to be cautious about stocks that have increased in price in a short period of time.
>What makes them different and have different price points? QQQM is slightly more efficient (lower expense ratio). Different price points are just a result of different share counts, it doesn't matter. >How high can a stock realistically go? Sky is the limit. The highest I know of is an increase of ~266900% (PI Industries). So that's what can happen realistically since it happened in reality.
im new to investment and i still don't get it, i opened account on ibkr and bought alot of VOO and QQQM so how would i see the compound interest?
I bought in IBIT at $25 per. Its around $36 right now. My out is at $50. About 20% of my brokerage account right now (none in my IRA which is 70% VOO and 30% QQQM). Its fun too watch the asset roller coaster around but I would just YOLO and hold until eventually you meet your out or bust.
>I just don’t understand that whole put $100 in and in 5 years you could have $50k I don't understand that either. It's more like put $100 in and in 5 years you could have $200. You can open an account for free with a broker like Schwab, Fidelity, Vangaurd. Transfer some money to it from your bank account using the broker's online transfer service, and focus on low cost ETFs for now like VOO, QQQM, (there's a lot of others to choose from). I'm not sure which of those brokers allow fractional share purchasing, but it sounds like you'd benefit from that right now since you wouldn't have to purchase an entire $477 share of VOO, you could just buy $20 worth for a fraction of a share.
Zero reason to have VTI/VOO/FXAIX all at the same time. Do not use TQQQ (notice how TQQQ never returned to all time high even though QQQ did) or individual stocks, and QQQM is fairly close to VUG., you could pick VUG instead of QQQM but wouldn't do both either. Holding VTI and QQQM/VUG is very aggressive and a decent long-term plan, but you should have 20-30% Intl fund (VXUS or similar). >I read online that this may be too safe for someone my age Not at all. 100% equities is not "safe" it's very aggressive and being 100% US is more aggressive because Intl has outperformed US and the past and may again, just hasn't lately.
The reason I prefer SCHG over QQQM is because QQQM only pulls from the Nasdaq, whereas SCHG pulls from the entire publicly traded market. I feel like that gives better coverage.
It does and VGT and QQQM consistently beat SCHG and VUG. The less stocks in a basket, the more the volatility. When I was young, I enjoyed the wonderful world of growth and technology. Now that I am old, I really like the lower stress and sleep I get every night.
Going into today 30% ETF's, 65% shares (mostly AAPL and QQQM), and 5% options. If we pump I'm going to be real happy. If we dump I lose 5% and hold the rest because eventually stocks only go up.
Sign up for Robinhood Gold and deposit $583 into your Roth IRA every month. You can set it up automatically through Robinhood. This will max out your Roth and that’s the minimum goal you should set every year. Set your Roth to buy VOO and possibly a small percentage of a tech ETF like QQQM or VGT. You could also add an international ETF for better diversification (The US has dominated the last 15 years, but that will change). Here’s the cool thing about a Roth. When you turn 59.5, your millions will be all yours as you will not have to pay taxes. The other thing to note is any contribution you make, can be pulled back out for no penalty. So let’s say you weren’t sure you could manage the $583 a month. But you maxed out your Roth anyway. If you needed access to your contributions for any reason, you can withdraw them with no penalty.
True story: I once asked out Rachel Ray. She was doing a book signing liken15 years ago and my wife at the time went. She told her I was a big fan so she called me and talked to me on my wife's cell. She said "Hi OP it's Rachel Ray" and the first thing out of my mouth was "Hey Rachel Ray do you want to go out sometime?" She started laughing and said your wife is right here. I said she'd understand. Then she said I'm engaged. I said I can keep a secret. She laughed and said bye OP and handed the phone back to my wife. I tell you all this because if you don't take chances you'll always wonder. With that said my buys today were SPY 522c, AAPL 187.5c, AARY 22.5c, 130 AAPL shares, and 45 QQQM shares. Godspeed fellow regards.
SCHX, VOO, SPY....a slight difference in fees but same investment type. I would also look at splitting to oneQ, QQQM or similar nasdaq index as well.
technically, QQQM is the better buy for the lower expenses. Same holdings.
QQQM is like 50% of my portfolio. It’s a great one for the AI and tech play, which are the best plays imo. Technology is the driver of all growth
I’d keep 3-6 months expenses in cash, liquidate those bonds and get into some stock ETFs. I would suggest VTI, AVUV, maybe some QQQM. Buy as much as you can for the next 15 years, then take a look at bonds again. If you absolutely need to buy individual stocks, keep it small. Like less than 5% total. Leverage your age and working years to pursue growth. When you get to retirement, lock those gains into bonds
I am seeking investing advice for a few of my Canadian accounts: TFSA (Tax Free Savings Account) & RRSP (Registered Retirement Savings Account). I have done my fair share of research and while there are many options available to narrow it down to the top selections for my portfolio's are difficult. A quick background on myself to perhaps aid in the selection.. I am turning 40 years old in May. While I started investing in my 20's unfortunately major life occurrences happened which forced me to start over these past 5 years in most areas. I do have a mortgage thankfully which is low in consideration to the market. My career is solid and my pay is great as a Electrical Foreman. Though I've lost time in investing having to start over again in my life and I can make it up somewhat by being able to put larger amounts of money into these accounts. The core ETF's that always come up are VOO, QQQM, SCHD, SCHG, VTI & XEQT. My goal even if I'm a bit older is growth for now and perhaps aim for some dividends. My thoughts were to separate the TFSA & RRSP accounts into two separate portfolios using different ETFs and or stocks. I'm looking for opinions on combinations of etfs and/or stocks for each or even just a single etf. The only difference between the two would be the RRSP is that it would remain untouched and the TFSA maybe I would occasionally use a little or the growth for something but then recontribute back into it as it's allowed. All input is appreciated!
I am seeking investing advice for a few of my Canadian accounts: TFSA (Tax Free Savings Account) & RRSP (Registered Retirement Savings Account). I have done my fair share of research and while there are many options available to narrow it down to the top selections for my portfolio's are difficult. A quick background on myself to perhaps aid in the selection.. I am turning 40 years old in May. While I started investing in my 20's unfortunately major life occurrences happened which forced me to start over these past 5 years in most areas. I do have a mortgage thankfully which is low in consideration to the market. My career is solid and my pay is great as a Electrical Foreman. Though I've lost time in investing having to start over again in my life and I can make it up somewhat by being able to put larger amounts of money into these accounts. The core ETF's that always come up are VOO, QQQM, SCHD, SCHG, VTI & XEQT. My goal even if I'm a bit older is growth for now and perhaps aim for some dividends. My thoughts were to separate the TFSA & RRSP accounts into two separate portfolios using different ETFs and or stocks. I'm looking for opinions on combinations of etfs and/or stocks for each or even just a single etf. The only difference between the two would be the RRSP is that it would remain untouched and the TFSA maybe I would occasionally use a little or the growth for something but then recontribute back into it as it's allowed. All input is appreciated!
Hi, looking for feedback on my portfolio. These are my current allocations. I am considering adding BTC somewhere, not sure if I will put it in IRA or cash acct. I'm 38 and have reached a point where I'm not sure what to take for next steps. My only debt is my mortgage. My 401k and IRA are capped annually. I have been dumping all other savings (aside from a static emergency fund and short term savings) into SWPPX. I'm hoping someone can critique my current allocations and provide feedback. I'm also looking for advice on options to consider for my non tax advantaged investments. Non tax advantaged accts: SWPPX. I also have some random shares from cash holiday gifts and the like (msft, appl, nvda, cat, cost). I've never sold anything and owned all of these for several years. Not really sure how to manage taxes if I were to sell and reinvest for diversification or if its a good idea. Roth IRA: I take earnings and rebalance this based on my personal investment plan. 10% NVDA 5% CRWD 5% NLY 25% QQQM 50% AVUV. 401K (roth/traditional 50/50): This is rebalanced annually. 60% DOXGX (DODGX) 40% TRBCX
My first sentence is basically saying that smaller companies, not the large ones you find in QQQ(M) or even the S&P 500, are the ones that actually tend to have better long term returns. And that compoanies classified as value, not growth, tend to do better in the long run. If you look up QQQM and look for the 3x3 grid, you'll see it is generally in the large cap growth corner, but the best historical and expected long term returns come from the furthest corner away from that. By going QQQM, you're likely reducing your expected long term returns. This is especially true after the recent US, large cap, tech favoring run. Winners don't stay winners forever, valuations matter. Factor investing starting points: • https://www.investopedia.com/terms/f/factor-investing.asp • https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF)
Long term, factor investing would favor the complete opposite corner of the style box as QQQ(M): small and value. IS your desire for QQQM based on anything more than performance chasing?
**Roth IRA:** 50% VTI; 30% SCHG; 12% GOOGL and AMZN; 8% SCHD. **Individual Acct:** 33% SOXQ; 31% GOOGL and AMZN; 11% SCHD; 9% XLK; 8% QQQM; 4% VONG; 3% FBTC. ​ 29 years old. Currently contributing $300/week.
>I would add QQQM instead For long term returns, going to the complete opposite corner of the style box is expected to be better: small and value.
Dollar cost averaging is overall dumb. Just dive in already. 25% $VOO 25% $VTI 20% $QQQM 10% $VYM 10% $SCHD 10% $BITO
You’re 15. Why are you looking at a 10 year timeframe? Look at 45 years so retirement age of 60 and you’re going to need to add more money to it over time can’t just expect to live off the gains from $500 unless you’re lucky playing options. Add $250 a month into that $500 for 45 years at an avg return of 8% and you’re looking at a bit over $1.3m Don’t get a bond. You’re 15 not 50. You should be looking at high risk high reward investments. Open a ROTH IRA and do this 50% QQQM (+44.9% 1yr 0.65% div) 30% VOO (+34% 1yr 1.33% div) 10% BITO (+141.04% 1yr 12.18% div) 10% SCHD (+17.50% 1yr 3.31% div)
If you have tolerance for: Low risk: "VOO and chill" Higher risk: "QQQM and chill" Here's a wisdom that's worth >$100K: [Institution is about 85% of the market](https://www.reddit.com/r/stocks/comments/pgicfx/comment/hbc43j1/) Here's an implementation of said wisdom: [Ride with Winners and chill](https://www.reddit.com/user/Pension2options/comments/1bsfymt/ride_with_winners_and_chill/) gl
I would do a 50/50 split in the IRA. 50% VOO 50% QQQM
this is why I hate bonds.😂 dont get into bonds if your not retired! you need growth! honesty... I would add QQQM instead. you only need to protect your nest egg when you stop working
this is why I hate bonds.😂 dont get into bonds if your not retired! you need growth! honesty... I would add QQQM instead. you only need to protect your nest egg when you stop working
Second the suggestion of opening an IRA. At your income, you should definitely consider the pros/cons of traditional vs backdoor Roth. Personally, I would still pick Roth just to diversify your assets in a sense by having more control over your taxable income in retirement. Plus no RMDs if you want to leave it to your children. As long as you have 3-6 months of expenses in cash, I would max that IRA and put whatever else you can into brokerage. Being young, you can afford to be pretty aggressive. VGT is a great option, but look into QQQM as well. It’s a little more diversified than VGT, but either should outperform VOO. Another one I like is AVUV, which is a tilt to small market cap companies that are deemed undervalued. If you want to get cute, put 5% of your investments into a bitcoin ETF like FBTC in that Roth IRA.
Agreed, but QQQM has the same holdings as QQQ with a lower expense ratio.