QQQM

Moccabean70

This is the portfolio I’m concentrating on. Not sure what I want to trim and what I want to build up. Definitely will keep adding VOO/SCHD and probably JEPI. SCHD 15,866.62 JEPI $6,155.79 MU $3293.28 VOO $3,134.45 NVDA $1,645.29 QQQM $743.49 VYMI $497.35 VNQ $472.95 SCHG $365.16 SHLD $76.79

Itchy-Back8245

VTI is a great pick if you want to stick to etfs. It’s been outperforming the S&P lately. I personally like a 5 way spit in my set and forget accounts. VOO, SCHD, QQQM, VTI, and VXUS.

Guapglocksndsticks

I’ve never seen a better setup for QQQM puts than now

Raw-Garden

Opened up my Roth IRA today and contributed for 2025 and 2026. Have 14,500 to spend. What do we think about 50% VIT 25% VXUS AND 25% QQQM? 25 years old by the way.

NYGiants181

QQQM and chill

kevron007

I bought some VDE before the invasion and it’s doing fairly well. I sold some SMH right before the dip. I may get more now that it’s down. In the long run, I think energy and tech is a good play. I also have a large amount on Google, Walmart, Costco, AVUV and AVDV. I’m holding S&P 500 and QQQM longe term and contributing to those consistantly

Icy-Issue6958

so just like VT vs VTI, always better to invest within an INTERNATIONAL ETF rather than a US based? I just looked up VT vs VTI so I'm assuming the added M on QQQM means international? 

NYGiants181

I could have gotten out of QQQM at even on Thursday now I’m down 10 grand with no end in sight FUCK I’m so sick

Heyhayheigh

Open a Fidelity account. It’s fine to out in QQQM for a long time. Nothing wrong with your plan.

glaewwir

QQQM is likely better for long term buy and hold, but that only helps the OP's problem a bit as QQQM is still \~$250. That is better than $600, but the OP will still need to save the extras for a bit to buy a share. SHCG trades around $30, but OP should also consider if you are overthinking this.

Silent_Speed8663

Good questions. First, I recommend QQQM not QQQ. Why? Its the same stocks with a lower fee. QQQM is newer and that scares some investors, but not me, in this instance. QQQ also has a higher share price, I think over 600 but qqqm is lower about 250. I compared them and they track identical, and the small differnce in fee is not much, .15 percent for qqqm and .18 percent for qqq. Still little things add up. Small drops of water fill a large pond. Both of these Q;s (QQQM AND QQQ) PAY A NEGILIGBLE DIVIDEND, less than 1/2 of 1 percent. So they are both growth buy em and hold em. You pay zero taxes on a stock until you sell it. Exception: You do pay taxes on dividends, but its a bit more complex than that. There are several classes of dividends. Lets look at these 3: Qualified, Non qualified, and ROC. Qualified and ROC offer tax advantages, non qualifed dont. non qualified is regular income fully taxable. ROC is returning your money back aka return of capital. Now, sometimes this is good, sometimes not so good. Its not really good if the stock goes down $1, and you get $1 ROC. You made zero net. You got a dollar back from what you paid so you dont owe taxes on that. However, with some stocks they manage to work it where a least a portion of your dividend called "ROC" is not reflected in the share price. That is, you get the best of both worlds. For taxes you get your money back, but the share price did not decline so you did well. QQQI is a different animal. Its a Neos "covered call" strategy with 1256 contracts. You can ask your cpa what a 1256 contract is, but it does have some tax advantages on the dividends you receive. QQQI can also have part at least of the dividend as ROC. This kind of ROC is pretty much known as tax deffered until you sell. The choice boils down to what is most important to you. If you are retired or otherwise want a great dividend yield, QQQI is up there better than 12 percent. But the cost of that will be that QQQM will likely outperform long term as it caps your upside. But if you dont need dividend income, you can/should just buy qqqm and hold it sometimes very very long term, because it is well diversified.

oldprecision

Look into QQQM as a replacement to QQQ.

AlgoTradingQuant

Your dad’s gut (S&P 500 index fund) is the solid choice. I retired at age 49 holding 100% VOO and still do today… actually I do have some QQQM buys it’s mostly VOO.

sc181818

Depends your invest philosophy mainly, I only look for long term holds or 6 month-12 month positions for quick profits, to then roll into the long term positions and look for new ST holdings. With that strategy in mind and my young age I don’t want to lose out on potential gains by being conservative with VT. I would rather be more aggressive into VOO and QQQM for the long haul. But to each their own risk tolerance wise. VT wont lose money I just doubt it will ever match the pace of returns from VOO in a 10/20 year horizon.

SWEET_LIBERTY_MY_LEG

Hmm. Wonder if it’s roughly equivalent to QQQM but with NYSE exposure too

sc181818

Took increawd position in TSM MSFT NVDA VOO QQQM today. What else should we grab at discount?

Embarrassed_Bath_968

i think your allocation is a strong long-term base. At 19, staying mostly in equities is sensible. You could slightly raise international exposure. Small-cap value diversifies better than QQQM. Simplicity, discipline, and staying invested will matter more than tweaks long-term.

CarpenterThese5372

VOO and VTI are both excellent foundations for long term growth, but keep an eye on how much tech overlap you get if you also add QQQM. I love using an AI powered natural language query system called trylattice to quickly research which ETFs align best with a weekly contribution strategy. It is super helpful for digging into stock filings to see what is actually inside these funds so you do not accidentally overcomplicate your first year.

u_spawnTrapd

At 19 and thinking 40+ years out, you’re already ahead of most people. Your split sounds pretty reasonable and simple, which is honestly the hardest part. A lot of people overcomplicate it early on. 80/10/10 with broad market, international, and small cap is a solid foundation. The exact percentages probably matter less than just sticking with it consistently. Swapping small cap for something like QQQM would tilt you more toward large cap growth, so it really depends on whether you want that tech-heavy exposure or more diversification. There isn’t a perfect answer, just tradeoffs. Biggest thing at your age is staying invested through boring and ugly markets. If you can do that, you’ll likely be fine.

Reasonable-Desk3273

At 19 with a 40+ year horizon, simplicity is your superpower. An 80/10/10 split like that is already more thoughtful than most portfolios, and honestly the exact percentages will matter less than staying consistent for decades. I’d focus more on discipline and automatic investing than trying to optimize between small cap and QQQM — the real edge is time, not tinkering.

ChartsOverview

That’s already a very solid approach. Keeping it simple and low-cost is key. Personally, I’d probably go something like 80% VOO and 20% Nasdaq (QQQM) if you’re comfortable with a bit more tech exposure. In the long run, consistency and staying invested will matter much more than small percentage tweaks

RiskAdjustedView

That’s honestly a very reasonable starting point. 80% VOO gives you broad US exposure, 10% VXUS adds international diversification, and 10% small cap like AVUV tilts toward higher expected return (with higher volatility). It’s simple and coherent. Switching small cap to QQQM would change the intent of the portfolio. QQQM is more large-cap growth/tech-heavy — you’d be increasing concentration in names that are already a big part of VOO. Small cap adds a different factor exposure. The bigger question isn’t which mix is “perfect,” but whether you can stick with it during underperformance. Small caps and international can lag for long stretches. If you’re comfortable staying consistent through cycles, your allocation is already solid. Consistency over 40 years will matter more than fine-tuning 5–10% shifts.

snoozemr

your 23 so even looking at FIRE you’ve got 20 plus years. Don’t worry about downturns. Opening a taxable account and layering money into VOO, VXUS, QQQM and such is a great idea.

ekdms

Hi all, As said title, I’m seeking advice as a 24 year old young professional looking to understand where I should continue building out in my current portfolio and if I should invest in any new ETFs Current portfolio spread: 50% VOO 15% QQQM 15% SCHF 10% SCHM 10% URNM I have been considering adding small cap ETFs such as AVUV or SCHA or adding SCHD, but don’t want to make my portfolio overly complex. Any input would be great thanks!

AVeryGoodName420

Currently investment plan: $100/wk VOO - Split between ROTH, Regular Brokerage $100/wk QQQM - Split between ROTH, Regular Brokerage Currently have \~$32k split as: \~18.7k CD - Matures in May \~13k - HYS Current income: \~$3-4k/mo - As a student \~4-5k/mo - In May once graduated My main question is how I should continue investing? I believe VOO & QQQM are too concentrated (and overlap within that concentration) and have been looking into other ETFs. I am looking for something to balance out my portfolio, as well as am looking for any suggestions. You may be wondering why I am so cash concentrated, and it's because I am planning on attending law school this Fall. Open to suggestions regarding how much cash I should keep on hand, considering I won't be working while in school.

Key-Detective-422

APPL, TSM, NVDA, MU👍 If you plan to hold for long periods of time QQQM/SPYM > QQQ/SPY

Peresviet

Congrats! That's a huge milestone. Ideally yes you would leave it in VOO or another ETF. If you are thinking of a more tech focused ETF you'd get more shares in something like QQQM vs QQQ and they are functionally the same.

__redruM

More VOO, VTI, VT, VXUS, QQQM, VGT, SMH. What’s your risk appetite? At a younger age, QQQM or SMH is more interesting.

Modern_Ketchup

Honestly, what the regards post in here is what brought me to finding out about VOO and QQQM. What gets posted and upvoted here often is scrubbed by AI and presented. And I didn’t just lookup “what’s a stock to invest in”. That’s with the premium model

Heyhayheigh

Is this a taxable account? Just sp500 on auto weekly basis. Sell only when you have something urgent to pay for. Skip seeking dividends, you’re just paying taxes on income for nothing. SPY is for options, use VOO (or other low cost etf) for buy and hold. SGOV for any short term cash, emergency funds and large known expenses. DCA sp500 for a long time live through some bear markets. Then learn and try different things. Nothing wrong with QQQM VUG in a Roth. Diversification is for stability, that lowers risk. Things that lower risk generally lower return. So if you think there is some magic diversification that will give you better returns, that’s like thinking a safe minivan is going to yep you beat a sports car in a race: not how it works. Best of luck!

Axemanx2

Ur G-Ma set u up and her vision was Tesla. I happen to agree. I would put a chunk in S&P500, a chunk in Nasdaq e.g. SPY , QQQM, etc. And I would leave a chunk in Tesla for about 8 - 12 years then sell profits and roll into S&P & Nasdaq again. You will be safe but w/ Tesla volitility and beat all us prognasticators. Good luck. Less is more my friend.

Longjumping-Bid-9523

Your strategy is good. Your selection of positions may not be. VOO and SCHG overlap so that selection isn't adding you much value over just picking one and increasing your percentage allocation of capital to it. QQQM is significantly underperforming YTD so I would consider pausing investments in that in favor of other investments are doing much better. "The trend is your friend" and the friendly trend for QQQM is to short it or inverse leverage it. I think the NASDAQ 100 is a solid long-term investment, but not yet a good investment for 2026. I think VXUS and VOO are great positions to potentially hold for life.

GaylrdFocker

Doing it daily vs weekly isn't going to do much other than take your time. Also, SCHG and QQQM have quite a bit of overlap, probably just pick 1.

Aggressive-Donkey-10

Passive income is for later in life, when you want your capital to work for you to throw off cash monthly to live off of (at best 5-6% a year), any money you receive in cash will then be taxed by IRS so 3-4% a year left over. When young, you should try to grow your capital tax free, so I'd put it all in VOO/VGT 50/50 inside of a tax sheltered account like a 401K or if your job doesn't offer on ethen put it inside of a ROTH IRA account at any bank or brokerage, then buy VOO = sp500 and VGT or QQQM which are tech and growth centered ETFs, This way that 4500k (awesome job at 18!), will grow 15-18% a year on average and you leave it there until you need the money, hopefully at 65+ you are doing great , congrats

Dooberss13

Retards like you make me feel so proud making my 7% a year just investing in QQQM and VOO. I’ll be able to retire at 40 with the most simple investing “strategy” I.e, don’t be a retard.

toss_me_good

I knew a literal surgeon that made $300k a year. Drove a Honda, $1,800 a month rent, rarely ate out. He would lose on average $150k a year to random crypto or market options. Some big wins but end of the year he was always down... Told me he just wants $3mil so he could retire early. Told him with his lifestyle moving those bets into QQQM, SMH, GLDM, VXUS he could retire in 10-12 years well before 50. "That's too long".... Some people need the thrill

Heyhayheigh

Nooo. Not in Roth. Real, growth oriented investing is meant for Roth. VOO QQQM VUG, even mag 7 that you hold personal convictions in. SGOV is what you use instead of HYSA or CD’s. For emergency funds or large known expenses (think dental work or roof repair or large known vacation). You spend from there.

No-Reflection-7705

I’m not defending dividend investing, I am however against the blind leading the blind and telling a beginner to go all in on QQQM with a PE of 35 is not exactly brilliant. Under 6 figures got it.

Heyhayheigh

Dividend investing at an early age is a common mistake. A sign of lack of financial knowledge. This is no insult. It is like ego lifting in the gym. We all go meathead, then later when you learn better we laugh at our young selves. Only three numbers matter, monthly income vs expenses vs monthly automatic investment. You’re already doing this with the weekly buy of your dividend play. You should switch the to VOO or QQQM. Sell only when there is an urgent expense to pay for (anything else is panic selling). The only thing worth bragging about is how high your weekly auto investment is. Be proud that you started at 10/week. Then be proud at how fast you get to 500+/week. You have the right mindset, you’re just incorrectly focused on dividends (at least that is what it sounds like). Best of luck!!

JC505818

Buy ETF like VOO or QQQM. They are safer for beginner investors.

Makaveli_is_back

I got the perfect portfolio for you buy every single week. No matter if it’s $10 $20 $40 whatever you can afford buy the same amount every week and you will be fine also if you are trying to set it up for retirement just buy on a Roth IRA account pay for gold and get the extra 3% match VOO 24% QQQM 24% ARKK 15% ARKX 15% NUKZ 12% SCHD 10%

MagJack

touche, was more about the stress of todays trades. def was leaning into calls and puts. thats about what I take home after a day at my regular job, so if I could consistently make 300 bucks every day after work I would be happy. I've had days where I lost money that were less stressful than today though for some reason. Def just going into QQQM.

Realistic_Agent_9494

yes! Maybe I would add VUG but I think QQQM would give you enough exposure/risk to growth.

Realistic_Agent_9494

I would literally just do some mix of VOO, VTI, VXUS, SCHD and QQQM

federico_84

QQQM seems to be very popular

Yeti_Urine

Sgov and usfr for savings, FDLXX for short. QQQM for growth.

Leading_Nature_6222

I'm really struggling to understand your perspective here - I stated in the title it's a mutual fund, I then stated it's a QQQM equivalent, It's pretty obviously I'm talking about the fund strategy not the vehicle type surely?

bobdevnul

US9032888193 appears to be the ISIN for the NASDAQ 100 mutual fund USNQX from Victory Capital (never heard of them). So what you bought was a NASDAQ 100 mut fund, not a QQQM fund. It is more than a pedantic difference to describe them so someone else can understand what you are asking about. As a mut fund it should have been purchased at the closing price of the day after the market closed. The exact info is in your account.

Complex-Jello-2031

1 SCHD is for over 40you need growth 2 i like QQQM for long term hold QQQ is for trading 3 replace SCHD with international I like VXUS but other are good also

Leading_Nature_6222

I know I'm investing in a fund I want, I can't workout the exact price I'm getting. QQQM equivalent fund = QQQM in mutual fund form, no need to be rude it's pretty obvious what I'm saying.

bobdevnul

QQQM is not a mutual fund. It is an ETF. ETFs trade like stocks. If you put in a market order to buy it, it would have been bought seconds after the market opened at 9:30 am. What do you mean by a QQQM equivalent fund? In any case, look at your broker to see when and at what price it was bought.

Old-Fisherman3500

QQQM & BRK/B for 10 years. Then take the 1 million principal and buy a DIA for when you turn 66. That and SS should see you to the grave.

think_harder_plz

So you fomo bought a speculative energy company at the peak of the ai bubble and you’re coming to the investing sub to compare equity in a company with vaporwear greater fool schemes and think it’s going to go well? Just hold the stock until recovery, you sound young enough to weather it. I recommend putting all your future money in something like QQQM - it’s a great way to see gains without absolutely wrecking yourself. Investing is a long game man. Pretend your’re a tortoise not a hare. If you keep gambling you’ll keep busting.

seldom_seen8814

I don't think people who understand AI are 'jumping ship'. I think people in the field understand what AI can and cannot do, how it can and will be implemented, etc. I think that it's all the rage because people who are well-versed in finance but not in the actual technology have hyped it up so much that the valuations are out of whack. It's just a classic example of how bubbles form around general-purpose technologies. AI is a horizontal technology, meaning that it's going to be implemented throughout the entire economy (and it's already happening). The best you can do is not just invest in the Mag 7 or QQQM, but have a boring and diversified portfolio.

therealjerseytom

> I figured it can't hurt to bet on AI focused stuff in case it really takes off in the next decade or two. Then why QQQM? It's not a tech ETF. Happens to have some tech-related holdings, but just the same... Lululemon leggings, Pepsi, Kraft Heinz, Marriott hotels, Cintas uniforms, Old Dominion Freight Line, etc. If you want to make a bet specifically on tech or semiconductors, knock yourself out. QQQM is just 100 big non-financial companies.

testisbest8300

Buy SPYM and QQQM and leave it

Illustrious_Voice392

QQQM is 35% of my taxable portfolio (my highest % ETF). Has done great and I don’t doubt it will continue to do so in the long term.

helpwithsong2024

Yeah pick either QQQM or VTI

Senior-Cow-6731

New to investing, I’m 26. I’m doing 100% VOO in my Roth IRA. And for my brokerage I’m currently doing 50/35/15 into VTI/QQQM/VXUS. I know QQQM and VTI overlap so I was wondering if I should just drop QQQM. But also QQQM has a been doing good return wise. If I were to keep it what should my ratios be and/or what should I switch it out with.

BabyDontHerdMe_NoMo

"This statement is inaccurate. QQQM outperformed MSFT over the past five years." I said 5+ years, not exactly 5, MSFT blows QQQM out of the water over a 15+ year span (which reinforces the idea that not all top comapnies are just fads)

Zann77

Today I estimated I am down about 12k in a half dozen stocks, APP being one of them. Every single red number hurts. However, I’ve been investing a long time and the losses are fairly insignificant in the overall portfolio, fortunately. Plus I know most of them will recover if I live long enough. You MUST spread out, invest in other stocks. I’d be in a horrible place if all I owned was APP. Buy some SPMO, QQQM, SMH and never sell it. You won’t be sorry.

kiwimancy

>And I started comparing performance. APPL, MSFT, GOOG all outperform QQQM and VOO in the past 5+ years. This statement is inaccurate. QQQM outperformed MSFT over the past five years.

BabyDontHerdMe_NoMo

Yeah your first statement is on point. And it also supports my point. I invested in NVDA in late 2022 and would not have gotten such returns had I only been VOO and QQQM. The same thing for Oklo. NVDA is a good example not because I “got lucky,” but because innovation waves often concentrate gains in a few firms. Broad indices eventually capture those winners, but with dilution. IMO, both are valid approaches depending on risk tolerance and conviction Also if you think NVDA is no longer a conviction play, I don't know what to tell you!. "However I think you fail to realise that a minority of the SNP500 stocks are responsible for most of the gains." But Apple, NVDA, NFLX and other large caps have outpeformed SP500. so that is not factual. I think what you meant to say is that the small comapnies keep the index afloat when the large cap stocks have a draw down, which again is irrelevent because as the data show, the S&P has underperfomed APPL, NVDA, NFLX, AMAZON, etc!

PennyStonkingtonIII

I would go with VOO. It has a lower expense ratio and it focuses on value and growth. The main thing you'd want to do, imo, with a position like VOO is to keep adding and never sell until much later in life. VOO is the better candidate for that - it should have steadier growth with less drawdowns. It also pays higher dividends that you can reinvest. Putting everything in VOO is perfectly ok for someone your age, imo. What I personally do is reserve a certain amount of cash, 10% max, in a money market or short-term treasury so that if I see a good opportunity on an individual stock, I can buy it without having to sell any of my long-term positions. I also use the cash to buy dips on VOO or other long term investments. As far as other ETFs, I also like QQQM. VTI is also good. You really can't go wrong with any of the Boglehead stuff. Probably the biggest thing when starting out is avoiding making mistakes. Keep it simple. It takes some time to get a feel for investing, go through a few market cycles, see your portfolio grow, etc. It's very easy to do too much.

Successful-Tea-5733

VOO and QQQM are my "bet the farm" picks. Best of luck to you.

KumingaCarnage

oh brother , posts like these make me feel so bad. just invest in QQQM and call it a day. You don’t need to overcomplicate it

GruntledGary

Look at VXUS vs QQQM... Ouch these last few months. And hence my desire to look outside the US.

rayb320

Growth QQQM/ SMH/ VGT/SCHG Broad market VOO International VXUS/ AVDE Small caps AVUV Profitable Smallcaps SCHD when you are ready for dividends These are the best funds to invest in long term.

NYGiants181

QQQM

AICHEngineer

Voltargeting isnt a worthless idea. Its kinda like a trend filter. If you think about an SMA strategy like a 200 or 220 or 250 day, fairly long lookback, most high volatility days cluster beneath the SMA line and thats when you get out of levered positions. DVQQ/SP went down to ~50% exppsure during april, but they took a while to catch the rebound and missed some of the biggest days when trump would rugpull tarrif expectations. Then during the nice low vol summer they went almost 2x exposure and regained a lot of lost ground. But to me, WEBs is just solving the wrong problem with these products, and the fact that it costs 0.96% makes them worthless. Not to mention the costs of the swaps when they go long leverage. For reference, even a simple 220day SMA -/+1% buffer that switches between 100% QQQ and 50/50 QQQ/Cash did 4% higher CAGR than DVQQ since its inception, and going 2x vs 50/50 depending on the SMA signal still did 2%cagr better over the timeframe (had to eat that 40% QLD drawdown into liberation day). Some bad things about the company from their prospectus: "The Securities and Exchange Commission (“SEC”) has not approved or disapproved these securities or passed upon the accuracy or adequacy of this Prospectus." And Syntax's website is hard to find since they changed their name to WEBs ETF trust. In sumary: DVQQ is going to delist, I can almost guarantee it. They dont even have 4M AUM after a year. They have produced *higher* volatility than QQQ for half the CAGR while charging 0.96% ER vs QQQM at 0.15%. Also theyre not even kosher with the SEC yet. DVSP will almost certainly delist for the same reason. WEBs is a small hack shop riding the wave of niche over financialized ETF offerings charging 0.6-1.1 ER for things like options buffering, covered calls, vol targeting, put spread inclme, etc. All of these are bad.

NYGiants181

Yea I'm in QQQM and down 1.5% for the year. Like I said, get a grip.

MagJack

im not losing anything if it goes down though. you said it yourself, they track each other. So if they do not go down, i collect the premium and nothing happens. If it does go down, I still collected the premium, and just trade QQQ for QQQM, which went down the exact same amount, and will rise the exact same amount when it rebounds.

1KTRDZ

Why not just do VTI or QQQM. You made some bets and they were not the right ones unfortunately.

nihilistic_ant

How is this free money? It sounds like you're just leveraging yourself, losing more if stuff goes down enough to get more if stuff stays the same or goes up. Why does it matter your PUTs are on QQQM instead of QQQ, as they closely track each other?

MagJack

have i found a free money hack? I own tons of QQQ and I write OTM CSPs on QQQM. Even if I get exercised, I just sell the QQQ for the QQQM which is the same fund with a lower expense. Sure I pay cap gains, but will eventually anyway.

Successful-Tea-5733

This is the answer! Thank you, I actually added VUG to get some additioanl exposure to growth companies on the NYSE, did not consider the weighting. It does seem like QQQM's weighting restriction is actually a safer index to own with VUG potentially having more growth potential if a few companies continue to dominate. I'll continue to hold both just wanted to know as I consider future contributions.

Successful-Tea-5733

Oh believe me this question is definitely not about me looking to sell. I put money into both because QQQM only has Nasdaq exposure whereas VUG includes NYSE listed companies. I never really looked at the weighting until today when I noticed QQQM was well oputperforming VUG and just am surprised to see that VUG with more holdings is actually more top-heavy.

stuncake

VUG is more top-heavy because it uses uncapped market-cap weighting- concentrates money into the biggest winners. QQQM uses a capped market-cap that limits how dominant the largest stocks can become within the etf

Successful-Post-4023

They track different index’s why would they be the same? From the Vanguard website: “VUG seeks to track the performance of the CRSP US Large Cap Growth Index”. QQQM is the top 100 stocks in the NASDAQ.

seldom_seen8814

I think it is. I do like to augment my portfolio with some commodities as a hedge, crypto, and thematic ETFs I like that are speculative (play money portion). I also recently added DBMF as a hedge. VT is probably not going to be the MOST profitable. It would have probably been more profitable to go 100% on QQQM in 2009 than to go 100% on VT, but between 2000 and 2009 there would have probably been less of a downside to 100% VT than other ETFs that were heavily into tech. Nevertheless, VT is probably the best core holding to own, in my opinion.

RegardedDegen

It's not a sexy answer, but VOO and QQQ (or QQQM) and chill is still my plan. Full Disclosure, about 80% of my holdings are in Index ETFs. I have a smaller options account that I've grown in the last year. It helps me stay "safe" and also scratch that itch of being a dummy with the rest of you.

ShutupBird69

QQQM

NYGiants181

(Cries in QQQM) 😭

NYGiants181

Welp glad my life savings is in QQQM lol 🤦‍♂️

OutsideAd7986

I accepted my medicine on SLV and IAU, but didn’t expect for my “safe” position in QQQM to be in the middle of those two in short-term losses. Anyone relate?

Zthruthecity

35%. This year 75-80% SWPPX and the rest in QQQM/SCHD. Maybe SMH again.

NYGiants181

Make it 4 months now that QQQM has not done anything, What a joke

AdamGSMA

You could mitigate risk with ETFS like VOO, QQQM or VTI which gives you both.

Longjumping-Bid-9523

I would start by moving all of your assets into your own account with low-cost brokerage firm like Fidelity, Charles Schwab, or Vanguard. Begin by investing your assets in something simple like an equity index fund, e.g. VOO, VXUS, VTI, QQQM. Then spend time to learn more about equity investing, maintaining discipline, other investment strategies beyond indexing, and how to manage risk/limit losses. There is no guarantee, but I believe you will be well served and do better by DIYing your investments versus paying an advisor a % fee of your entire portfolio every year and in perpetuity.

Ocampo-Mark

If you want to be aggressive without being too reckless, i suggest that you go 70-80% QQQM or SCHG and 30-20% SMH or VGT. Since you're just starting up and have "a few dollars", use a broker that allows fractional shares. Also, it is better to add small increments consistently than waiting for the best time for a perfect entry.

Ok-Dimension2964

It is clean and easy to understand, which already puts it ahead of most portfolios people post. You clearly thought about diversification beyond just stocks That said, I would think carefully about how much unique exposure you are actually getting. VOO and QQQM overlap more than people intuitively expect, especially during market stress when correlations rise. In practice, this is still a portfolio that will live and die with US large cap growth The BPRO sleeve is interesting conceptually, but it carries very different kinds of risk at the same time. Bitcoin behaves like a high beta asset, while gold and silver are more about regime protection. Bundling them together looks diversified, but the volatility path can be unintuitive Nothing here is obviously wrong. The real question is whether this matches how you plan to behave in drawdowns. A simple portfolio only works if the investor can stick with it when all parts are uncomfortable at once

Rockatansky77

Invest in everything, diversify. VT, VTI/ VXUS. Add some momentum or a specific sector you have faith in QQQM FTEC VGT SOXX SOXQ or maybe you want small caps. If you want precious metals and or Bitcoin make it 10-12%

Portfoliana

CSU (Constellation Software) is the safest bet from your list - proven acquirer, actual earnings, just had a pullback. Not a pennystock tho, its like $3k/share in CAD. SMR is interesting with the nuclear energy narrative but its pre-revenue and priced for perfection. If nuclear sentiment shifts you’re bagholding. HIVE and WWR are crypto/commodities proxies - if you’re bullish on those just buy BTC or lithium directly instead of adding company risk on top. ONDS and HUMA - don’t know enough to comment, which usually means they’re too speculative for me. Honestly with 10k after +123% gains, taking some off the table and putting it into something boring like QQQM or VOO isnt the worst idea. You already won, dont need to gamble it all again.​​​​​​​​​​​​​​​​

SureAce_

You have tons of overlap between VOO, QQQM, SCHV. It's OK to have some overlap. Just know how much of overlap you do have and why you have the overlap before actually doing it. It looks like you just kind of picked funds that have been performing well in the past and are trying to chase returns. You have no actual anchor, meaning you have no fund that's going to be the base of everything. If I was you, I would at least do 50% in VOO. And then if you still wanted to have some overlap, you could choose the NASDAQ 100 or the large cap blue chip, but I wouldn't pick both of them. I'd pick one or the other and only do it about 30% or less. And BPRO, every single thing in there, Bitcoin, gold and silver are completely worthless. Bitcoin only goes up because people want it to go up, but there's no foundation behind it. Like a true company, gold only goes up when people get scared, not because it's actually necessarily meaningful. It's just when people want to hedge against something and then they miss out on real returns by not being part of the market longer and allocating more to the market anyways. And silver's just gold's little brother that's more violent and has less returns. And the cherry on top is that it's actively managed and has a high expense ratio. Two things working against you.

Comfortable_Yam_9391

This is dumb af you are going to get reamed by a bear market. Also all of that is the same thing. Look at what is actually in the ETFs, you basically just have large cap stocks and bitcoin gold and silver. If you want a simplified portfolio just buy VT. Or buy VT and QQQM or SCHV if you want higher exposure to large cap. You should change this because it doesn’t make sense and you are going to get rug pulled on BPRO because you are buying a new ETF that covers commodities at ATHs

givemethestars000

I'm young. I moved 99% of my savings into VTI/VXUS/QQQM, and Gold this January. I learned over time that HYSA and SGOV don't give much returns compared to a bullish market. Market is higher risk but the alternative is much lower yields. Not sure what 2026 is gonna look like, but it could be slow and steady upside with moderate to big corrections along the way. With this current administration, it's hard to gauge where things will go. But, IMO, if you're young, take advantage of the market as early as you can; especially if interest rates are lowered. If I am wrong, I'm open to anyone correcting me and giving suggestions.

Heyhayheigh

Do you have a job? Custodial Roth IRA until next year you are 18. Put in VOO or QQQM and don’t think about it. Get used to buying VOO on auto weekly basis. Sell only when you have something urgent to pay for. That’s all personal finance is. Spend less, invest more auto. Anything you will spend soon should be in your money market or SGOV. Open a Fidelity youth account. Sounds like you will do great!!

NYGiants181

What's going to happen to QQQM on Monday?

Ok-Educator5253

QQQM

wandererarkhamknight

SCHG, QQQM both have 50% or so overlap with VOO. If you want to diversify, look at international funds or something like AVUV.