QQQM

bhope95

VOO and QQQM have serious overlap also there's no garuntee the US will continue to be the dominant player in 40 years. The US is already getting dominated by other markets. Yes individual stocks have more upside, but you'll suffer from volatility and some companies may go out of business. Your best bet like someone said is start a business or acquire skills that get you paid more. You can also look into factor investing as that carries compensated risk.

Wookiee27

If you actually want to be rich 15k in index funds will not cut it. VOO and QQQM are safe but not high growth. Recommend GOOGL, ASTS, RKLB and at these levels should hopefully outperform market in 5-10 years

UniqueAd1152

First build up your VOO and QQQM to around 100k. That is your foundation. Then depending on your risk start investing in individual stocks. Simple way is to save up and buy MAGS when they retrace to their 50,100, 200 moving averages. If your risk tolerance is more you can pick high beta stocks , but it has to be a small percent of your entire portfolio. But you have to he watching them, take profits, cut losses accordingly. Learn some technical analysis

Fitasianwife

Why don’t you buy VOO and QQQM forever and listen to no one, including me. I’ve lived through up’s and down’s, lost decades, 18% mortgages, and getting $20m, is doable in a lifetime-don’t get a divorce!

Gain_Spirited

I'm 61 and started investing in my early 20's. Every time I tried something risky I might have been happy for a while but I eventually got burned. I would have a much bigger portfolio right now if all I did was put it in index funds like VOO and QQQM. So my advice to you is to keep loading up on those index funds. They will give you the best return in the long run and you don't have to think about it.

therealjerseytom

> I keep hearing people say that if you want to become seriously wealthy, you need to pick individual stocks and that ETFs won’t get you there. Who's telling you that, and what do they know? With regard to risk, even if you're not looking for "the next NVIDIA", you can experience **complete and total loss of your investment.** It's no joke. Even big, established, household-name companies. They can still exist after a major economic calamity or financial struggle, like after bankruptcy restructuring, and you can be left *completely wiped out.* So that's one risk. You also have the very real risk of doing a shit job of picking companies, and you underperform the index - this is what happens with most people. > I’m mainly wondering whether I’m being too conservative by sticking with VOO/QQQM at my age. There is absolutely nothing conservative about this. Up until *very recently*, to be 100% equities would practically be wildly reckless at any age. There's a lot of recency bias for anyone under 35-40 who have been living in the easy money era of US stocks been a rocket ship.

Finance_EssentialsAR

22 with 15000 in VOO and QQQM, contributing regularly is not "too conservative"; you are already ahead of most people with that The whole "you need to invest in individual stocks to get rich" is a meme, because most people, even those who invested in individual stocks, made their money by buying the next NVIDIA before it went to 800$, but they also could've bought the stock that failed to deliver anything and just stagnated for a decade. VOO, QQQM, and other indexes already include all the companies that will deliver the most profit, including the future NVIDIA, but without risking nearly as much money into the failed experiments. About individual stocks: most people who have long-term investments in individual company stocks usually buy some as a part of their index funds, in much smaller proportions, because it's really hard to estimate how much you can lose if the company goes to 0$ (which will happen to most of those stocks) and how much you can make if the company does well enough. It's less of a question of "how much can I earn?" and more of "can I really risk this amount of money on this particular company?" Nothing wrong with staying 100% index funds either. "Get rich slowly and reliably" beats "swing for the fences and maybe get unlucky" for most people, especially this early when time in the market is doing most of the heavy lifting. If you want to see that play out with real numbers instead of just taking my  word for it, I built a compound interest calculator that lets you plug in your own contribution and timeline: finance-essentials.com/calculators/compound-interest. Watching what an extra 5 -10 years does to the ending number is honestly more convincing than any stock pick argument.

Muy_Division

With only VOO and QQQM, you’re very overweight tech and com services. It’s probably fine since you’re young, but personally I’d add some small and mid cap, as well as international equities. We’ve been in a long running bull market but there’s been some rotation happening lately, where small caps, large cap value, healthcare, financials etc have been outperforming large cap growth (VOO is considered a large blend but since it’s market cap weighted, it tilts towards growth, and QQQM is explicitly large growth ex-financials).

IputSwitchesOnGlocks

Save yourself and just buy VOO, VOOG,QQQ or QQQM. Don’t overthink it bro. Why buy anything other than the s&p

AetossThePaladin

VOO and QQQM is a classic combo, you will be fine long term. Market fluctuations are normal.

Cruian

>mostly in VOO and QQQM On including QQQ(M): Remember this has heavy overlap (over 80% by count last I checked) with the S&P 500 or US total market. **Look only at the inclusion criteria, not past returns** (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense. What about international? >I keep hearing people say that if you want to become seriously wealthy, you need to pick individual stocks and that ETFs won’t get you there An uncompensated risk is one that doesn't bring higher expected long term returns. It should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ >An uncompensated risk is a risk that you can diversify against. * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk or if that doesn't work, the archive link: https://web.archive.org/web/20260107205255/https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an **individual company,** sector, or country. (Bonus extra on that last bullet: single country is an uncompensated risk) How many people try individual stocks and end up "failing," at least compared to broad coverage index funds? >I’m mainly wondering whether I’m being too conservative by sticking with VOO/QQQM at my age. 100% stocks is not conservative, but you are taking on some uncompensated risks and likely leaving out some compensated risks.

Serratix

You will do VERY well with VOO/QQQM Single stocks are more so a bet, they can do amazing, but they can just as easily do horribly, or the entire company can go under. I would advise doing at least 80% in ETFs and then maybe 10-20% in individual stocks if anything

Familiar-Mall1696

I'm a newbie investor of less than 1 year. I've bought stocks in exxon mobil just for the dividends. The stock by some sheer luck has grown now lol.. I plan on buying more as I'm bull-ish on exxon mobil. I split it between buying VOO, SCHD, QQQM and VTUX ETFs, around $500 a month as security. Currently up to $6000 invested over the past year with ~20% gains. Wish me luck on my investment journey bros.

MrBotANot

If you are talking in decades, it becomes more about what do you believe in: Biotech - XBI or IBB Robotics - ROBO or BOTZ Quantum - WQTM or QTUM AI/Tech - SMH, QQQM or any of the 7,000 other ETFs Any of those will have higher fees and may or may not have higher returns. And there is a lot of speculation in all of those areas already. High PE ratios tend to mean lower forward returns. I’ll flip that around and say that what has lead the last 25 years may not always lead the next 25 years. Look at your international, small caps and value exposure. Avantis is a good place to start.

Key_Nature4797

Considering you can literally just buy QQQM and beat the S+P consistently, it’s pretty easy to beat the Standard and Poor. I think they named it that to rub it in people’s faces, but I digress…

No-Condition5198

The thing worth checking first: QQQM and VOO overlap way more than it looks. VOO is already \~30%+ tech and its biggest holdings are the same mega-caps as QQQM — so shifting some QQQM into VOO trims your concentration a lot less than you'd expect. So the real question isn't "QQQM or VOO," it's "how much of my whole portfolio do I actually want riding on semi/AI/tech?" Pick that number first and the split kind of answers itself. Worth pulling your true sector weights across *everything* you hold too — most people are more concentrated than the ticker names make it look.

ErroneousEncounter

Personally, I think it’s bonkers to hold a large QQQM position at this point in time. The situation with Iran is likely to escalate. The 4th quarter of midterm years is historically the worst for returns. And the A.I. bubble *will* pop. Guaranteed. It’s just really hard to know exactly when. IMO right now you want to be in safer investments than QQQM.

Dravlae

I have and have outperformed the S&P. That said I have not outperformed a QQQM and S&P mix that would have been rebalanced annually.

Nuclear_N

Split SPY and QQQM.

---Hummingbird---

It was saying that QQQM might be more likely to have forced sell off or something to that effect. Essentially the bottom line was you may have to claim the taxes on the gains before you’re ready… but I tried to see if QQQ ever had anything like that (since it was open longer) and didn’t see much.

harrison_wintergreen

>a 60% VTI, 20% VEU, and 20% QQQM portfolio. that's actually 80% VTI and 20% VEU. QQQM is just a sub-set of VTI. VTI is practically the entire US market, and QQQm is the top 100 non-financial stocks that list on the Nasdaq exchange. holding both VTI and QQQ means you're doubling up on some of the largest US companies. doubling up increases your risk because VTI and QQQM are likely to crash at the same time for the same reasons. it's not outrageously terrible, but be aware of the risk potential. > I am looking for high growth with as little risk as possible pick one or the other. the higher the growth potential, the higher the possible risk. >1) in a taxable UTMA account, would it be better to just consolidate the QQQM future purchases to VTI? probably. I would recommend something more like VT which covers the entire global stock market. or perhaps AOA which has about 50% US stocks, 30% international stocks and 20% bonds. the bonds will tend to act as a "shock absorber" in the event of a crash and minimize losses. >if the VTI is likely to perform better, VTI has performed better than VEA over the *past* 10-15 years, but that doesn't necessarily say anything about the *next* 10-15 years. at current valuations, it would not be a surprise if VEA performed better than VTI over the next 10-15 years.

Emotional-Breath-838

I would say your best bet is either to leave it all alone on QQQM or add a momentum kicker. But the truth is that you have the advantage of time + compounding. There’s a very, very, very high likelihood that if you ignore your QQQM or, better yet, add to it every month, you won’t believe how massive it gets in five years.

Key_Category_8531

Doesn't really matter either way, QQQM and VOO aren't much different But because you're asking this question, I recommend selling everything and buying VOO

DoinIt4DaShorteez

60% VTI, 20% VEU, and 20% QQQM is fine. So is 100% VTI. So is 100% VOO. So is 50% VOO and 50% QQQM. I don't know why Google would say anything about QQQM specifically with respect to taxable accounts. It's going to be more volatile than the others because it's more concentrated, so I guess Google considers that more risky, but it has nothing to do with txable/non-taxable.

Fit-Engineer8778

VOO, SPYM, QQQM, SCHD. Take your pick

---Hummingbird---

I’m looking to pick all of your brains a bit and let Reddit do what it does best to give me a lot of ideas/perspectives with the upvotes showing me the preferred routes or at least where to start looking more. \-I have no investing background \-I’ve had three calls with front-level investing reps, but they can’t make recommendations, so they’ve only given me minimal general information \-I’m SPECIFICALLY looking for information to guide UTMA accounts I have 6 UTMA brokerage accounts that I’ve JUST started (all of the accounts should be under my control for about 15-21 years depending on the child. I plan to put in $850 total per month split in the accounts. I am looking for high growth with as little risk as possible (well more so keeping it responsible risk), but if the accounts went to zero it would not be the end of the world. I chose the UTMA accounts rather than a 529 because each of the kids gets 8 years of tuition waived. I’m open to the 529 if it’s significantly better, even with my kids having the 8 years covered, and doesn’t require a ton of hoops to convert to Roths. Ideally I want to accounts to benefit my children long before their retirement age. I also want the accounts to stay in the children’s names for protection against any divorce potentials.. although I don’t foresee that being an issue. I am still trying to rapidly piece together the best plan, but I have currently invested the first month’s money in a 60% VTI, 20% VEU, and 20% QQQM portfolio. I have since done a little more looking and Google ai seems to think QQQM is more risky for taxable accounts, but I’m not sure why or how yet. So my main questions are: 1 in a taxable UTMA account, would it be better to just consolidate the QQQM future purchases to VTI? 2 is VEU even worth holding on top of VTI if the account is not detrimental to retiring? Or in other words, if the VTI is likely to perform better, is it worth just focusing more/all into that and cut out the extra diversification that may not return as well? I don’t mean to offend anyone by the choices I’ve made so far… I am not hard pressed on these choices, so if I’m completely wrong… I’m highly teachable. I’m primarily looking to do the same investment each month for 20 years without having to watch and understand markets. I don’t need to make millions, but the more.. the better (within reasonable risks). Thanks a ton! My kids will appreciate it!

Informal-Lime6396

VOO: https://investor.vanguard.com/investment-products/etfs/profile/voo#portfolio-composition, check out the holdings and exposure diagram QQQM: https://www.invesco.com/us/en/financial-products/etfs/invesco-nasdaq-100-etf.html#Portfolio, see the holdings Buying these 2 are a good idea. Use https://testfol.io/ to back test what you would've gotten in the past 10-20 years to get a rough idea what the future ***can*** look like. Here are some other tickers worth looking at: * VGT * SOXX (or SMH) * VXUS * VT * VOOG

DoinIt4DaShorteez

If you are 22, just using VOO and QQQM will be fine for you for a long time. I would just split it 50/50 each time you invest, but if you are buying one time a month, it won't make that much difference. If you want to use additional ETFs, there's nothing wrong with that as long as you know why you want to do it. $100/month is $100/month. It doesn't matter if how many ways you are splitting it as long as you have a good reason to own them all.

glimsky

The best option is to pick a standard investment strategy and stick with it for years. Even if it goes down. Even if it goes down by a lot. Trading all the time is a recipe for losing money. VOO and QQQM are very good and standard choices, but they have some overlap. Keep in mind they are quite volatile, especially QQQM. So over the years, it will experience big losses that could persist for many years. But you're 22 and time is on your side. The hard part is keeping the discipline and resisting the temptation to sell when their value goes down. After many years, you should make a good deal of money, especially if you invest a little every month like you seem to want to do.

ereeec23

I’m holding SMH, QQQM and DRAM and MSFT am I screwed or what

Desperate-Move8067

I don't mean to nitpick at all, just staring my own thought. There's kind of lopsided risk on both ends here. QQQM's heavy tech focus brings wild price swings, and such a big sunk of commodities usually slows down compound wealth growth over decades. The standard 60/40 equity-bond mix could be a more consistent fit for your age bracket.

WhiteLotus_1776

OMG ….. That’s a recipe for disaster. He should just do 70% VOO / 10-15% VXUS / 15-20% QQQM or SCHG or VGT whichever he prefers of those 3

ng_logic

It's diversified but way too defensive for 36. You've got 45% in cash, gold, and commodities - those are things you load up on when you're 60 and protecting a nest egg, not when you've got 20+ years of growth ahead of you. Gold and cash have basically zero real return over the long run. That drag compounds hard over decades. I'd cut the money market to just your emergency fund, drop gold to 5-10% max, and put the rest into your equity allocation. Also, QQQM is just a tech tilt dressed up as an index fund - nothing wrong with it if that's intentional, but know that you're doubling down on what's already the biggest chunk of your developed world ETF.

DaddyTheFatherCR

I'd cut the bonds out, and replace QQQ with QQQM. It's the same thing with lower expense ratio.

Cruian

>10% developing (SPYM) Is SPYM in the UK different than SPYM in the US? In the US it is S&P 500, which is basically the furthest thing you can get from developing. >20% Nasdaq 100 (QQQM) On including QQQ(M): Remember this has heavy overlap (over 80% by count last I checked) with the S&P 500 or US total market. **Look only at the inclusion criteria, not past returns** (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense.

__redruM

You’re learning the wrong lesson here. You can’t know when the top is in. You can’t time the market. You buy and hold long term. That way you will end up selling for a profit. Maybe switch to ETFs? I like VOO, QQQM, and maybe SMH. I’m: - 60% VOO - 30% QQQ - 8% SMH - 2% DRAM

PeterJan85

QQQ has the highest growth potential, but is the most volatile along with QQQM. I would stick with VTI rather than VTO if you’re going to put a small percentage in QQQ/QQQM because VOO has more overlap compared to VTI as it covers most of the market. You’re extremely young, which means you are in the best position to invest for the long run.

MagJack

i just do etfs like SMH VGT QQQM to get most of that covered

gsp0t417

Is this a QQQM advertisement or is it really that much better than QQQ

RaccoonVast8107

Thank you for all of your advice guys, I’ve decided I’ll go full VOO, for now with the possibility to include about 25% of QQQM in the future as well.

InvestingNerd2020

VOO is a core ETF, so it need to be 50-80% off your portfolio. You can use QQQM to suppliment it at 20%. Even better, use XLK. 60% VOO and 40% XLK.

FeedbackTypical

Zero reason to pick QQQ over QQQM

Electrical_Panda_326

Yes, QQQM I meant to write, apologies.

Klutzy-Sea-4857

At 18 with a 10+ year horizon, VOO is the safer core. QQQM is solid but far more tech concentrated, making it more volatile.

Vast_Cricket

Here is how the underlying QQQM index performed during the correction years of 2000–2022: * **2000:** \-36.11% * **2001:** \-33.34% * **2002:** \-37.37% * **2011**\+3.38% * **2018**−0.13% * **2022**−32.52% During 2000-2002 few people stayed in stock market. Most w/d from their savings. These are all volatile tech stocks that have gravity. Having a portfolio of conservative, growth and income still applies to reduce that volatility. VOO 85% momentum comprises of just 7 tech stocks. Rest 500-7 cushions the index w 15% balance. The hottest event this year is AI this and that. Short on memory chips for the servers. Now not so sure. Check the spectacular evolution of Sndk, Mu stocks.

Traditional_Garlic49

QQQ and QQQM are the same thing except QQQM has lower expense fee. He’s not trying to day trade and wants to hold for 10+ years. QQQM makes more sense for him.

Traditional_Garlic49

Don’t do QQQ. Do QQQM instead. They’re both the same but QQQM has a lower expense fee. QQQ is super popular because of high options liquidity. QQQM is designed for long term investors while QQQ isn’t.

booba2005

Useful thing to know since you're torn between them: QQQ and QQQM are basically the same fund, same Nasdaq-100 index, QQQM just has a lower fee and share price, built for long-term holders like you. So it's really two choices, not three: broad market (VOO) vs tech-heavy (the QQQs). And "QQQM gave greater returns" is looking backwards, it's outperformed because tech ran hot, which also means it drops harder when tech turns. Picking the ETF that went up the most lately is the classic beginner trap. At 18 holding 10+ years, how much you keep adding matters way more than which of these you pick. What's making it feel high-stakes for you?

PMmeuroneweirdtrick

Username checks out At 18 I would go more aggressive and choose QQQM

SetRestart

Ngl QQQM has its balls so deep in my ass

CluelessStick

Lets just say that i close my risky bets and switch all my play money over to QQQM, i'll be back in the casino when summer ends. Summer is for cute girls in summer dresses, not to stress over a bloody portfolio

steady_compounder

At 18, the boring answer is usually the good answer. VOO is broader and easier to stick with. QQQM is more concentrated and more of a bet on large cap growth staying hot. If you already notice yourself leaning toward the one with the prettier recent chart, that is usually a sign to choose the simpler fund.

Any_Influence_8305

Fuck today when moves like selling QQQM in the 290s and buying ICHR at $81 and change is the best I got

Any_Influence_8305

Fucking brutal, best move today was selling QQQM at 290 in my Roth after 2.5 years 🥀

taplar

VXUS would give you some diversification into international equities. It's an established practice by some investors to hold a mix of VTI and VXUS to have a total world equity investing strategy. It's long term returns are lower than VOO or QQQM, but you gain the extra diversification.

taplar

The 15 year return for VOO is around 14.5% The longest trailing returns available for QQQM is 5 years at around 15% Both of those have diversification built in to different degrees. The primary draw of SCHD is the dividends. It's longest available trailing returns period is 10 years at 12%. Are you going to be using the dividends? If all you're doing is reinvesting, based upon historical returns you would be better off opting out of SCHD and going more into VOO or QQQM.

LineMission1628

Hey everyone, I’m still pretty new to investing and wanted to get some opinions. After doing a lot of research, I decided to start with **VOO, QQQM, SCHD, and Apple (AAPL)**. I like what each of them brings, and I wanted to keep things simple while I continue learning. That’s also why I haven’t invested much money yet I want to ease into it instead of throwing a ton of money at something I don’t fully understand. I already have a **Roth IRA** that’s managed through my financial advisor, but I also wanted to open a **Charles Schwab** brokerage account on my own so I could learn more about investing and have more than one investment account. Eventually, once I become more knowledgeable and comfortable with investing, I’d like to branch out into some riskier individual stocks with higher growth potential. But for now, my goal is to build a solid foundation and learn good investing habits before taking on more risk. Do you think these four are a solid place to start, or is there anything you would change? I’m investing for the long term, not trying to get rich overnight. I’d appreciate any advice or suggestions from people with more experience. Thanks!

NYGiants181

Bro please just fucking stop and put it in QQQM. Seriously this is insane. You can retire in 15 years if you do this. JUST STOP!!!!

patticus88

Pros would use QQQM

Muy_Division

If you have a 30 year time horizon, you can be more aggressive than just investing in the S&P, while also being more diversified. Go to portfoliolabs and back test any typical SPX fund (VOO, SPY, FXAIX) vs a large growth/momentum fund like QQQM, SPYG, SCHG, SPMO etc., I think you’d be pretty surprised at the results. Also worth looking at year to date performance of SPX vs other major indices. Russell 2000 is up 20% while SPX is up around 10%. Emerging markets are up almost 23%. In fact, of all the major indices, SPX is only above the Dow for the year. My point is, diversification doesn’t just mean ‘add bonds’, equities are a very diverse asset class. SPX is fine, most long term investors have money in VOO or SPY or whatever (including myself), but you don’t have to limit yourself to it.

greenpride32

Broadly I'd suggest you model out bear/average/bull cases for all your liquid assets (you can do more than just 3 cases such as -10 -20 -30 -40 for "bears") and use that to help determine what is the maximum nominal drawdown you'd accept on QQQ. Then you can liquidate an amount that makes this nominal drawdown amount improbable to impossible. The larger the weight of QQQ, the more impactful it is and vice versa. But truth is if QQQ crashes, everything goes down with it. Top 10 weights in SP500 and NAS100 are getting closer and closer to matching with each passing year. In other words, the most successful and profitable companies are concentrated in tech. NAS100 is no longer the risky index from 25 years ago, it drives the modern economy. I'm retried early as well. I still have individual stocks to liquidate, and pushing proceeds into VOO QQQM SMH SCHD VIG VYM JEPI QQQI. I have high conviction on the individual stocks so just converting when I feel it's advantageous to me. But it's your money, and if you feel like playing crystal ball with it is the best choice than by all means go for it. You're asking here because I'm assuming your fudiciary didn't suggest the panic sellout route.

Nuclear_N

SPY and QQQM are my base. Landed there with your same conclusion.

Ahamadrayasbaboon

And using ETFs like SMH, QQQM, XLY, and SPMO to get exposure. 

greenpride32

AVGO and NVDA are a very outsized part of my portfolio due to their gains (over several years to decade adding). I am slowly liquiding portions when I feel it makes sense if from taxable account or just trying to cut at near term highs rather than at lower points in tax advantaged. I still believe both will continue to outpace the SP500 for years to come. But regardless of conviction, it's foolish to be too heavily concentrated because you could be wrong and anything can happen. But I still want exposure to semi - so my funds go to a mix of VOO QQQM SMH SCHD VIG VYM and a little bit to QQQI and JEPI.

JC505818

Sell and cut your losses now. SPCX is the big dog and even they are falling, let along 2nd or 3rd best space companies. Keep PE and PS ratios in mind before you buy your next stock. Or just invest in QQQM for good growth or QQQI for consistent 13% dividend if you don’t know what stock to pick.

Nuclear_N

Not sure it matters. This is what I did. I am with Fidelity. I went to the mutual fund screener, and bought into the highest 3 year mutual funds, and highest 5 year returns. Led me to FXAIX, and FSELK. Eventually landing on SPY and QQQM as well.

i_empathetic

They're the exact same thing. If you're really gonna hold do QQQM as it has lower expense ratio. Invesco created QQQM for that purpose because they didn't want to lower the fee on QQQ since its their cash cow. QQQ for trading and options liquidity, QQQM for buy and forget. Same issuer, same holdings, slightly different fee structure.

Nuclear_N

SPY and QQQM for the first million. I will just save you time.

hotdog-water--

I’ve seen much worse. You’re concentrated, but that’s not always a bad thing. I’m a huge fan of TSM so personally I’d add more to that and decrease AMZN. Right now AMZN is your second largest holding when you include the weights in AMZN from VOO and QQQM plus 8% direct - that’s a lot in AMZN, you need to be extremely, like extremely bullish in AMZN to have that much weight. So I’d ask WHY that much? Why AMZN over GOOGL or MSFT? No shade but just be ages Chris Camillo says Amazon is good doesn’t mean it is. (For disclosure I’m overweight Amazon too, but not THAT overweight). Meanwhile TSM is probably the best company on earth you can buy, and it’s underrepresented in most ETFs, so I’d consider adding extra weight to that

pr0prfkt

VOO QQQM, SGOV for short term cash. You will learn more over time. You can do all with just those honestly.

MagJack

VGT or QQQM are my main long ETFs. If you wanna be even riskier I hve done great with SMH, but I don't know if it can keep growing at the rate it has

greenpride32

VOO (instead of SPY) and QQQM (instead of QQQ) because they have lower expense ratio but invest in same underlying indices.

HumanityInevitable42

Dont you think that depends on your diversification…? 🤔 eg. if you already have financial sector ETFs then maybe add a QQQ or QQQM ? but if you want broad U.S. that’s your VOO or SPY… very different. Maths your expense ratio and compounding in an excel if it makes your decision-making FEEL more CONTROLLED. 😵‍💫

iXProject

You can’t go wrong with either but you are young so just do QQQM (it’s the same as QQQ but just has a lower expense and less volume for options (don’t worry about that for now).

jvaritek33c

Yeah for sure, I don't know her so I'm giving the blanket advice I'd give any 15 year old You're right tho - she'd learn about risk and reward faster with QQQ or it's spinoffs If she wants to do something more active/engaged, I'd definitely go your route She can learn about expense ratios with QQQM or income strategies with QQQI

clobbersaurus

QQQM

iXProject

QQQM actually

greenpride32

I think the main reason for META's recent rise is their plan to operate as a hyperscaler. They can both sell Muse Spark as a service and sell excess compute capacity. AMZN and MSFT had already proven CPU based hyperscaling was a lucrative business that even GOOGL joined the party. We've seen SPCX join the AI hyperscaling party along with many neo clouds and supply cannot keep up with demand. With all that said, I decided to exit my META long position (several years) today. While the social media empire is amazing, not sure how I feel about so many changing tangents. Plus I have enough exposure to them through QQQM and VOO.

Rav_3d

Agree with VOO/QQQM split. Many will tell you it's too heavily weighted to large cap technology. They are right, and I see that as an advantage. As for individual stocks, if you're willing to take more risk with a small portion of your portfolio you can do very well, but choose the wrong stocks and fail to manage risk and it can turn out poorly. Stick with elite market leaders and DCA.

Successful-Tea-5733

I'm in VOO, QQQM, VUG and SPMO. I've got exposure to over 500 companies of various weightings, and while all are US the majority do business internationally giving me broad exposure. Although Charlie Munger would have called this "Deworsification" and that I should instead concentrate in a few great companies instead of a bunch of crappy companies. I don't own gold. I don't know why I would own gold, I'm not a jewler and I don't build consumer electronics.

__redruM

Given you’re 35, yes a split between QQQ and SPY does make sense. But maybe 60% SPY (as VOO) and 40% QQQ (as QQQM) makes more sense than 50/50. International is usually recommended as well so maybe 10% VXUS. Don’t touch individual stocks, the two index funds give you allocations of those “Bluechip” stocks. And certainly don’t mess with Elon’s stocks they not worth touching short or long.

howtoloveadaisy

Why not have SP500 as your major holding? Then you can do like 10% VXUS and 10% QQQM for blue chip

Embarrassed_Cow_5551

QQQM 100%. Buy the dip now! 

BetweenTheBuoys

I hope not, because I’m putting 3K/week in VOO and QQQM 😂

lefthandedcannibal

QQQM for lower expense ratio

Autobahn97

Build an automated mechanism to invest on your own. Open an online brokerage account - Fidelity, Schwab, E\*TRADE, Robbin Hood, etc. and link a bank account to it. Then route some percentage of your paycheck to this online account and set up automated buys (at least quarterly if not monthly) of some low cost SP500 index like VOO. If you can ensure a little more risk consider putting 10-25% into a more risky low cost ETF like VGT or QQQM and hold long (decades). Don't check it all the time and never sell.

oldprecision

I'm about to get the same amount of SPCX in QQQM that I got from Schwab in the IPO.

Wilsonian_1776

I preserve capital by investing 2k into QQQM every month. Bear or bull, it doesn't matter. My time horizon is 20+ years (probably more with exponential progress in medical technology) and nothing could convince me to sell. Nothing. Not WW3. Not alien invasion.

Vast_Newt_1799

I would just invest in S&P 500(SPYM VOO etc) - top 500 companies and gets reorganized to include/remove companies World Market Fund(VT) - this is broad domestic market and also includes international stocks Dividend ETFS(do this in your roth but SCHD and DGRO) generally blue chip companies and pays a yield but also growth of roughly 10% Growth Stocks(QQQM VUG or SCHG) - stocks that are expected to outperform the market but high volatility downsides is greater but upside is the same Doesn't seem like you want to frequently monitor stocks so I would just pick ETFs that best represent your risk tolerance which is likely some combination of SPYM, SCHD, VT, and QQQM

PingBlot

If the Nasdaq dropped 25%, I would buy more QQQM!

Wilsonian_1776

All World cannot match half of what the best companies in NASDAQ in an ETF revised every year can offer. It's about innovation, and American innovation tramples BRICS and laps around it. Bubbles and crashes are completely irrelevant to someone with a 20+ year horizon and no margin risk that would force liquidation. If you lived through the dot com bust AND the 2008 crisis while adding monthly, you'd still have made out like a bandit precisely because of the DCA momentum given by those crashes. I experienced a much more modest version of this through the COVID and 2022 drawdowns. 2,000 worth of QQQM every month whether it's a bull or a bear. I can't think of anything I am more psychologically safe with than to bet that the American tech industry will continue to innovate.

ilbuonsamaritano

Then QQQM is better. QQQ is more suited for trading

zenwarrior01

Psst… u should use QQQM not QQQ. Lower expense ratio.

Cloud2987

VOO, QQQM, and SGOV… last holding is 5% IBIT. I’m boring

Ahamadrayasbaboon

SSO, GDX, FXAIX. Once SSO and GDX get called away, SPMO, QQQM and VONG are my next largest I think. 

mcfreiz

QQQM is basically QQQ with less fees. Thats the one I would buy but it’s a little more risky than something that tracks sp500. With your timeframe that should be ok. As you near retirement you may want to move into sp500 or total market

Bgabes95

Anything is possible. You can have both and diversify, but definitely consider it more long term than anything. My biggest positions are NTDOY and SCHD, and I plan on keeping them in my Roth IRA so I don't pay taxes on the dividends. I'm a newer investor but these are the ones I see most value in based on how cheap they are currently compared to most other index ETFs doing the same thing. I'm also considering investing in QQQI/QQQM and one of the higher yield SPY ETFs. NTDOY is more so for diversification and the fact that they're just a solid profitable company in gaming that I personally see growth in for the next few decades. NVDA is solid, but I think all semiconductors and most tech is incredibly volatile and uncertain with AI development futures. Sure, it's going parabolic, but for how long? AI might be utilized well in the future, but it's getting a lot of push back for good reason, and is mostly unprofitable outside of the companies getting their stock bought out to build and run data centers that are getting cancelled left and right. Do what you feel is right though, do as much research as possible and take it day by day!

swingtradingteacher

Wow. I’d imagine very few people in Europe are able to enjoy your situation. You make enough and can invest enough to be well off eventually with diversification. But still, I’d recommend mostly QQQ or QQQM. And while you are socking money away at this, study individual stocks. Here’s a start: NBIS, OUST, COHR, FN, CAMT.

Forward-Surprise1192

What risk are you ok with? Microsoft is my 100% conviction increase for one company. Also, research it before hand but TQQQ or QQQM I like too. If you choose more single stocks be sure to divest in multiple sectors and not only tech. In drops you will lose les

Wilsonian_1776

QQQM is QQQ but cheaper. QQQ is good for playing options or scalp trading. And yes. Basically at my rate of monthly investment, I only need the QQQM to return 10-14% annualized in order to become a millionaire in my 40s. I am able to live very well on 50-70k so that would basically be financial sovereignty for me.