QQQM

AlgoTradingQuant

I held VOO and QQQM before and after retirement. 100% equities. No bonds or fixed assets. You are WAY young so you should be 100% equities. I’d suggest removing individual tickets and VOO and/or QQQM and chill

NYGiants181

15k? Come on man I just lost that last week. Please DO NOT kill yourself over 15 grand! Not that it doesn’t suck, but like other commenter said it’s not life changing. Stop with the options. Put all money into QQQM and VOO moving forward. Every cent. Come back in 30 years. You’ll be ok, and this will pass! DM me if you need to.

HealingDailyy

I graduated right near the bottom of the Covid crash, and began my career at that point. I began investing about 1/2 way in the recovery. I’m so happy I just invest consistently and keep emotions out of it. Heck, the 84,000 I put into QQQM at that point is now at or nearing six figures. (Cost basis is averaged with amounts I also put in after that first 84,000). I started on food stamps in poverty on section 8. And my net worth went from -50,000 to 250,000. I love this market , even if it goes down and I just keep buying

BeneficialQuality899

FTEC or VGT instead of QQQM

Cruian

I'm saying that QQQM is not a tech fund by design. If tech is your focus, why are you using QQQM instead of a real tech fund? Also I'm saying that if you do want to overweight tech and certain tech companies happen to be listed on the NYSE, you are failing to overweight those simply because of the exchange they chose to be listed on, how does that make sense?

Cruian

>QQQM as the turbocharger for growth. Yes, VOO already has tech, but I see QQQM as a deliberate overweight into the sector which beats the broad market over the long run. I’m still on the boat that the tech sector will continue to thrive exponentially. * If you want to focus tech, why use a fund that allows every sector except financials? QQQM is not intentionally a tech fund. * Why discriminate against tech companies that happen to not be listed on the Nasdaq exchange? What if they chose the NYSE instead? >VOO as the backbone with the S&P 500. Although it’s the default “VOO and chill” which is a little boring, it’s relatively reliable and stable as a compounder and captures the overall strength of the US economy. * What about smaller US companies? * The stock market and economy are not the same thing and research shows they may even be negatively correlated in some ways.

azurekevin

Stocks as a whole, but especially tech and AI, had a bit of a correction in Oct through mid Nov. Since that already happened, it has been and likely will continue to climb upwards again. My read is that Nov 21 was the bottom, if you go long here on QQQM, VOO, or VTI (basically take your pick of index funds), you'll be pleased in the near future.

azurekevin

Leveraged ETFs of any kind, both long and inverse, aren't really investing. They're tools to use if you're very sure which direction the market / specific stock is going to move to in the short term so that you can make more than you would from just buying the underlying ETF/stock. But if you're going to try any kind of leveraged ETF, I would actually suggest going with a long ETF because the market tends to go up way more often than it goes down. Just don't hold it for very long because even long ETFs will decay and trend down in the long term (the mechanics that cause this are a bit difficult to explain and would need a separate comment). If you want to **invest**, and this is what I actually suggest, then just buy QQQ or QQQM and hold through the ups and downs. It's basically guaranteed to pay off.

TKDNerd

A 3x leveraged inverse ETF is still a dangerous idea. Even if you’re right but the bull market continues for another 3 months you could still lose a bunch of money. If you really want to bet against the market buy QQQM puts (QQQM as it’s cheaper than QQQ). They are relatively cheap due to the expectation the market will do well. When you buy a put you are buying the right but not the obligation to sell 100 shares of that stock at the strike price. For example a $170 put for QQQM expiring in June 2026 is $2.10 per share or $210 for the contract. If QQQM falls by atleast 34.5% by then you can sell the put for a profit. It is less risky than an inverse leveraged ETF as you don’t immediately lose all your capital if the market explodes tomorrow. If that’s too expensive you could look at SCHG puts (SCHG is a tech heavy fund filled with growth stocks). It’s share price is much lower and so the put premium is too. For $125 you could buy a $28 put expiring in July 2026. If SCHG crashes by atleast 17% you will make a profit. If a 2008 style crash comes you will make a bunch of money. If not your option will expire worthless and you will have lost the entire investment.

FearlessButterfly3

Roth IRA: FXAIX, SCHG, VXUS, GLDM Brokerage: Mix of individual stocks including Google and NVDA, Coca Cola but will eventually just DCA into VTI, VXUS and QQQM after maxing out my IRA

Heyhayheigh

You have it backwards. Your riskier plays should be in your Roth. Your brokerage can be all SGOV and QQQM or VT if you prefer.

african_cheetah

I see index funds (SPY and QQQM) as darwinian evolution. The market picks winners and losers, you ride them. You can play the game where you have a spray gun of 100s of darts, while other players are playing with 5-10 darts. Long term expected return is heavily in your favor. Index funds are a cheat code. Buy a little every pay check, sell only when you need the money. Someone with a W2 income can build serious wealth, quit their job, and follow their passion. It sounds so deceptively simple but requires discipline for decades.

CynicalSage-

My 1st Portfolio I’m 30 and new to investing, and I’ve been literally overwhelmed by all the options that are available for me to invest in. After a lot of research i have decided to stick to ETFs for the moment.. Please help me analyze my portfolio.. My monthly DCA budget would be 200 USD (300 usd exceptional case) . Portfolio X 1. VOO 2. VXUS 3. BND 4. GLDM 5. SMH I want to include QQQM and SCHD too but I’m not sure because of the overlap..

More-Advertising6587

Which would fit with my QQQM, VOO, and what do you believe the break down should be?

Heyhayheigh

Forest gump came out in 94, if you bought 1k AAPL (forest bought in the movie) then and held until now, that’s like a million dollars. Concentration is good for wealth creation, and you’re right, it is risky. I invest in single stocks I like the same way I do VOO or QQQM, buy auto and weekly and only sell when I have urgent bill to pay for (so basically never). If you’re young, and you don’t panic sell, you will be fine. If you choose stocks you have to monitor, you already messed up. Nothing wrong with buying companies you believe in, accumulate and set to auto. You can do both: ETF, and buy good companies. If you gamble and get burnt, learn the lesson or don’t. Life goes on.

NYGiants181

QQQM

catchy_phrase76

QQQM and SCHG Or just VONG Let the index weed out the losers and add rising stars.

catchy_phrase76

QQQM Why bet on one when you can have them all and filter out the losers automatically as they fall off the Nasdaq 100.

Heyhayheigh

You sound young. Open a Fidelity account and setup an auto buy of QQQM for $25 every week. Have a mechanism to increase that weekly. Always have a weekly. If years have gone by and you haven’t increased your weekly amount, you messing up. If you want to “other” $25/week like the other funds you mention, fine, but leave the Nasdaq in place. Sell only when you have something urgent to pay for. Always have a weekly. After years you will see all the extra planning and optimizing is just noise. For such a small amount starting out, there is no sense over complicating things. You will learn as you go. Rome wasn’t built in a day. I started out similar to you, now my weekly is more than my fixed expenses. Automation is the way. If your broker doesn’t support automating weekly buys, sweet, just switch brokers. Just remember to have a mechanism to increase that auto buy. Auto weekly is like hygiene, a necessary foundation. Best of luck out there!!

Heyhayheigh

40% gold in the last three years is likely the over performance, which doesn’t speak well for all that work and effort. You probably enjoy it, and that’s fine. But buying weekly QQQM and your crypto would have probably been better. You’re still trying to time and game. Just accumulate. Sell when you have an urgent expense to pay for. Otherwise increase your weekly buy. You will be richer in the long run. Best of luck out there!

catchy_phrase76

QQQM and VONG PCOXX for emergency savings.

Dapper_Addition_3837

Your plan is coherent for a young, high-risk-tolerance investor who’s already used to volatility, but here are the main things you’re either under-weighting or could tweak: 1. 100% Mag-7 long-term is still a massive concentration bet The Magnificent 7 are only \~30% of the S&P 500 today and \~45-50% of the Nasdaq-100. Putting 100% there is materially riskier than “100% Nasdaq” and way riskier than 60/40 Nasdaq/ACWI. If the AI trade reverses or regulation/anti-trust hits hard, you could easily lag the broad market by 10-20% per year for multiple years (see 2000-2010 when the biggest tech names underperformed horribly). 2. Waiting on the sidelines with $24k for a “big correction” is classic performance chasing in disguise Statistically you’ll do better just getting the money to work now in something you believe in long-term. The Mag-7 have corrected 15-30% plenty of times in the last 3 years and still ended much higher. Cash has an opportunity cost, especially at your age. 3. Reasonable middle-ground that keeps the spirit of your plan but reduces single-theme blowup risk * 70-80% in QQQM or a Mag-7 proxy (there are single-ticker funds that are literally just the 7 now) * 20-30% in a semi-equal-weight Nasdaq-100 (QQQE) or broader growth (VUG, IWF, SCHG) so you still get AI exposure without everything riding on AAPL/MSFT/NVDA etc. This still feels aggressive (way more than 99% of people your age) but survives a 2022-style growth crash much better. 4. The 20% high-conviction AI/Nuclear/Quantum bucket is fine That’s basically your “reddit stock” fun money — just keep it to 10-20% max so one zero doesn’t nuke the whole portfolio. 5. Monthly $600 DCA starting now is perfect Do that regardless of what you do with the $24k lump sum. Bottom line: 100% Mag-7 forever is unnecessary to stay “risk-on.” You can still be very aggressive (80% Nasdaq-100 + 20% moonshots) and have dramatically better diversification and downside protection than pure Mag-7. If you truly won’t flinch watching it drop 50%+, then sure, send the 100% Mag-7 plan — but most people (even ones who survived meme stocks) discover they have limits when it’s their biggest pile of money ever. Otherwise deploy the $24k into something like 80% QQQM + 20% thematic over the next 3-6 months and keep pounding the $600/month. You’ll sleep fine and still capture almost all of the upside you’re chasing.

Heyhayheigh

So you can do both. I do. Majority is just QQQM and a couple of stocks I like. I trade out the stocks I like. I don’t sell. But if I have a 100/week AAPL, I might change that to TSLA or META. I still have some fun on the side. But the majority of it is just boring set to auto. I still engage in degenerate behavior. But for a super small amount compared to the accumulated and compounding stuff. And when I lose money, I just laugh at myself. The only thing worth bragging about is your weekly auto investment. If that is a significant part of your income, then you’re doing great.

Heyhayheigh

Just learn to buy auto. Get a Fidelity account and setup weekly auto buys. Doesn’t matter what you do, stocks or QQQM or VOO. Hopefully you panic sold in a Roth so at least you’re not just paying taxes for fun. But you sell only when you have something urgent to pay for. You’re young and making the cliche mistakes. If you buy sticks you have to be watching all the time you already messed up. Nothing wrong with some mag 7 at your age. But stop trading in and out. Accumulate. Let compounding happen. Thinking you can see corrections is another common mistake. Set the majority of your investing ti auto buys. Sell only when you have something urgent to pay for. You will learn. Or you won’t. You’re doing awesome at your age though!! Best of luck!!

SecretaryAncient8923

Momentum Trade just the QQQM using 10/20 Weekly Time Frame. Like Metallica said, Nothing Else Matters. The QQQ has outperformed all other funds and indexes by far over the decades. The only funds that come close own the QQQ or stocks held in the QQQ. When DCA in to cash and not QQQ because fast MVA is below slow MVA fully fund held cash of all deposited funds when cross occurs. Buy and Sell QQQ at Crosses and your life will change faster than you currently expect it to.

Illustrious_Lie_954

Your allocation is honestly solid for a 19-year-old. VOO + QQQM + VXUS gives you broad exposure, low fees, and decades to let compounding work. If anything, I’d simplify the metals/crypto slice they’re fine as small hedges, but they won’t move the needle long-term. Staying consistent will matter way more than micro-tweaks at this age.

chf_gang

bitcoin is cool but I don't really understand the positions in platinum and silver? QQQM and VOO have a pretty big overlap. If I were you I would look into some individual stocks at this age but I understand if you just want to 'VOO and chill'

sirzoop

I would drop the xpt xag and btc and throw all that portion into QQQM I stead

ConditionPlenty5295

My research indicated the following: "Invesco currently offers QQQM, which tracks the **identical** Nasdaq-100 Index, but with an expense ratio of **0.15%". I'm voting NO across the board to send a message that I need to sweeten the deal for retail investors. The benefit is simply not great enough. Send them back to the drawing board!**

Heyhayheigh

Use SGOV instead of HYSA. Buy whatever of those ETFs you like, just do it auto and weekly if you can. The best plans don’t rely on self discipline. Sell only when you have an urgent expense to pay for. If you want to switch the auto, that’s fine: VOO to SCHG to QQQM or whatever. Just never remove the auto. Always have an auto. Work to increase the auto. The longer you do this, the richer you will be. Best of luck!

crazybutthole

just make a fidelity account. move the money from edge to fidelity and buy some combination like 25% VOO + 25% QQQM + 50% VT

Heyhayheigh

Open a Fidelity account. Link your bank. Setup a weekly buy of VOO or QQQM. As much as you can afford while still having an emergency fund. Never rely on self discipline, set to auto. Sell ONLY when you have something urgent to pay for. That’s it. That’s all investing and personal finance is. You will learn more sophisticated and optimal stuff. Roth. Max 401k, maybe some individual stocks. But always have a weekly. Sell only when you have an urgent bill to pay for. Do this all your life. After a few years you will see money is easy. You have to live through some down markets to truly get it. Never remove your weekly. I started with 50/week, now I do more than my monthly bills (I’m lucky to live a cheap life). Most will mess up the keep the weekly going during bad times, or they will panic sell (selling without having an urgent bill to pay for). Best of luck!!

Narrow-Ad-7856

Tell your parents you're only going to invest in broad market ETFs like QQQM, SCHD, and VOO. See if that will convince them.

baseballer213

Calling this a “high-yield savings engine” is delusional. You are triple-dipping on the exact same companies: FSPGX and VUG are already top-heavy with the specific tickers you listed individually. This isn’t “diversified stability," it is a massive sector bet with extra administrative work. If big tech stumbles, your capital evaporates. Just buy QQQM and admit you are gambling.

The-WideningGyre

I'm personally not bullish on META, but I've never been, so obviously not the most accurate there. SNDK seems solid, and partaking in the compute hw buildup. However, I think you may have missed the main run-up (of course, nobody knows). ADBE I'm pretty skeptical. I think AI stuff (which they also do well) is going to shrink their market substantially. Like half the low-level graphic designers are going to be out of a job because you can ask AI to produce a logo and get something similar. ROBO is interesting -- I hadn't seen it before. I personally would say 5% for ROBO and VRT, 10% for SNDK and the remaining 80% in either VOO, QQQM, or VTI. Okay, this is your play money, so bump up the %'s in single stocks, but I'd personally look into other options or plays than ADBE or META. Some of it depends on what is going on in your main account, and how concentrated or balanced it is. I do think for "play" stocks, that you're hoping will explode, there are more interesting options (drones, quantum compute, space, cybersecurity, materials like uranium or rare earths). Be clear, it's gambling, but that seems to be what you want to do anyway.

Toadally420

Look at QQQM for a lower expense ratio.

CortaCircuit

Just buy SPMO and QQQM... Unless you want to be poor. 

Livueta_Zakalwe

100% QQQM.

Heyhayheigh

Google dividends are not free money. Talk to a Fidelity advisor on the phone. Sell assets to cover that loan. Don’t pay high interest. Buy QQQM or VOO on an auto weekly basis. Stop dividend hunting. Sell only when you have something urgent to pay for (like this high interest loan). That’s all investing is: spend less, invest more automatic. You sound young. Learn this early. Best of luck.

Last_Preparation_446

I would put 50% into VOO and 50% into QQQM.

tonufan

It depends. Some will just stick your money in a mix of VOO and Bonds while eating a lot of your returns in management fees. I saw a guy that had like 30 different ETFs in his portfolio from his advisor and he was under performing the market significantly. Nowadays you can do pretty well with robo advisors from major brokerages like Vanguard or target date funds. With that amount of money I'd check out several different advisors if I had to get one. Personally I'd do a mix of VOO/VTI and QQQM/VONG if your young and have higher risk tolerance.

PragmaticX

depends. what if you are in an accident/lose your job? Will family help out or are you dependent on yourself. six months of living expenses is probably reasonable, a year ideal. You could also put the ER cash in a brokerage money market. Max out your tax benefit plans and fully fund a Roth. look to open a regular brokerage account. I like Schwab but others are good too. VOO/VTI are safe for the longer term but add SCHG or QQQM to the mix if you want to be a bit more aggressive.

Heyhayheigh

Make a plan. Here is the plan I have with my nieces: every time they deposit money into their Fidelity youth account. Take 10% and buy VOO or QQQM. The rest they just leave in SPAXX in case they need to spend. Every once in a while they want to buy stocks in companies they like. No big deal. The habit you’re trying to learn is buy sp500 with an auto amount. They don’t have jobs, otherwise I would tell them to buy auto and weekly. But one day they will and I will show them that. What you’re learning is good habits. Spend less, invest more. Sell only when you have something urgent to pay for. That’s all personal finance is. Best of luck!!

NYGiants181

VOO and QQQM and leave it alone for 20 years. If both collapse, you’ve got bigger problems.

EastvsWest

DCA into Tech ETFs like QQQM, Spmo, XNTK, etc during a bull market like we're in currently. Buy Mag7 stocks when market is crashing and news headlines/magazine covers are showing market in red dangers especially when they're near or below 52w lows.

Oldmanram1

Hi, Long time investor here, I can tell you that even if you research the SHI\* out of a stock , things can go to shit , markets turn , somebody puts a 200% tariff on a part needed for assembly . I agree with the gentleman that pointed out "Your exposure to speculative names is too high" I would have to agree. I don't do airlines either or cruise lines or Banks I try to have a base first , like some etf's of the S&P 500 , VOO, VOOG, etc. I have a good foundation of these , and have my little 5% or 10% speculation money, recently picked up SMCI , already has a 25% return. And for real speculation , IONQ , and SMR , A couple of other more targeted ETF's are MGK , basically the MGK, the [Vanguard Mega Cap Growth ETF](https://investor.vanguard.com/investment-products/etfs/profile/mgk), holds **66 stocks** as of September 30, 2025. Its holdings are concentrated in U.S. megacap growth stocks, with a significant portion in the technology sector, and its top holdings include NVIDIA, Apple, and Microsoft.  Or you can do more tech XLK is good for that .... Or the ETF MAGS the magnificent 7 , only those 7 stocks ... QQQ for tech as well , or if you are going to hold for a long time QQQM , lower fee's I also have individual stocks like Amazon, GOOGLE, APPLE, By using targeted ETF's I have been able to beat the S&P500 for the last 7 years or so.... So far this year , I have had returns of 38.27% YTD (mostly stocks) and another account (mostly ETF's) 15.76% YTD . Another one that's 16.51% YTD . The S&P500 as of today YTD 15.29 % Good Luck and Have a good day (:

greenpride32

Growth moves individual stocks up and the broader markets up. You can say what you want just look at the charts. I'm heavy VOO QQQM MSFT AMZN NVDA GOOGL NFLX MA V for many many years. How many years of selectively picking small windows where mature/low growth wins do you need before you can even dream of catching up with my growth gains?

Heyhayheigh

So you want to wait for the market to go back up before you deploy capital? You don’t realize this, but you’re trying to control the uncontrollable. You are allowing emotions to cloud your judgement. Buy VOO or QQQM on an auto weekly basis. Years from now “your trust” has nothing to do with the decision. You will take this poorly I suspect, but someone has to give it to you straight. There are no magic investments. And you won’t know for years if it was “good timing”. Irrelevant. Spend less, invest more. Sell only when you have something urgent to pay for. Plan doesn’t change. If you have a lot of money, find a good trustworthy pro. Though I doubt you will listen to them. Best of luck.

Sea-Frame4748

I'd read: Think & Grow Rich, The Psychology of Money, The Richest Man in Babylon, and Rich Dad Poor Dad. For market reading I'd start with How to Day Trade The Plain Truth by Ross Cameron. As for investing, I'd start out high risk and jump on QQQM since you're young. Make sure you reevaluate every few years to rebalance your portfolio. Check out r/Bogleheads for more passive investments.

SecondSt4ge

Buy VOO and QQQM every month and don’t look at it. Do this for a year while you learn about trading. Once you understand how buying and selling works, price action and how candles move, you could start thinking about trading more frequently. Day traders normally stick to a certain strategy, and they have a wide understanding of the market.

MaxwellSmart07

Keep VTI and buy IWY or QQQM. At very least dump BND and bury it 6-feet under so others can’t buy it.

Heyhayheigh

Just SGOV the risk averse amount. Add VOO or QQQM on an auto weekly basis. Don’t sell anything. Sell only when you have something urgent to pay for. Find a trustworthy pro to talk to. Best of luck.

Heyhayheigh

You’re doing great! Make sure you’re automated. Buy VOO or QQQM auto weekly. Set your 401k to lowest cost sp500 fund (stay from target date so young). Spend less, invest more. Do that while you can. One day you will higher bills. Sell only when you have something urgent to pay for. You have too much emergency fund IMO. 1 year? As 21 year old? Too conservative. Now if you will use some of that emergency to travel and have some fun and be young, sweet, I’m down with that. But you’re doing awesome! Keep it up!

Cruian

I'd use the FWRA but wouldn't use CNDX. I would not do the VOO + QQQM as others have suggested. First, likely taxes would be unfavorable. Then, that's taking on uncompensated risk (single country). It'd mean having no local exposure and could mean exposing the entire portfolio to currency risk with a single country (as opposed to only a part). Can you explain, using only the inclusion criteria (not past returns), how Nasdaq 100 makes sense to hold?

Cruian

>q literally follows 4,000 companies including those companies that people aren’t paying attention to. QQQM is 100 or so of the largest caps (which tend to have more eyes on them than smaller caps), far from 4,000. It also only allows stocks that list on the Nasdaq exchange: tech company listed on the NYSE? Too bad, QQQM isn't allowed to hold it. >I’m not in the business of taking high risk in hopes of the next big thing I’m looking for stability and longevity VOO and QQQM are not exactly the most stable things. Both can and have seen massive drops taking years to recover. Also, wanting stability is not what you said above: >having qqqm puts me into a better place to have higher growth potential . >and these specific ones have proven again and again that they have that Being heavy on one sector does not exactly make you "stable." If that sector falls, you get hit HARD. Extreme example, but real and relevant: in the dotcom bubble, QQQ (internally identical to QQQM) saw a drop of over 80%. It took over a decade to reach the previous highs. S&P 500 dropped, recovered, dropped again, and recovered again during that time.

Cruian

>Yeah but having qqqm puts me into a better place to have higher growth potential Valuations could easily suggest lower expected future returns. Long term, they're the best tool we have. >QQQM is following nasdaq qqqm give me more variety tech wise Over 85% of QQQM's holdings are inside VOO. Not all of QQQM is tech (unless Pepsi seriously changed what they do). >and is also way more tech heavy Tech is already expensive compared to other sectors. (Let's pretend QQQM is a tech fund) You aren't betting that tech will do well directly, you're betting that the market is either still under valuing tech or that tech is the only sector not over valued. But also: What about tech companies that don't choose to list on the Nasdaq exchange? Why do you treat them differently?

Few_Victory_0813

Yeah but having qqqm puts me into a better place to have higher growth potential I mane of course I understand the risk and that it could also go in the opposite direction of course. Yes there is over lap but given that VOO is following the S&P and QQQM is following nasdaq qqqm give me more variety tech wise and is also way more tech heavy

Cruian

>also given the studies Which studies? I can point to some showing benefits of also including small caps. 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) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ Notice that in the table in the CBS link, small value and small blend beat out every category of large cap. >that I’m not in the best place to have many options financially right now VOO just feels like the safest bet for me especially being that all my investments are long term plans I'd argue that for one fund portfolios, there's several funds that would place above VOO. Especially for long term. VT, RSSB, target allocation index to name a few. >10% QQQM QQQM currently sits in the large growth area. But see what tends to be recommended by the factor investing links I provided above (hint: not large, not growth).

Zipski577

Great trade. I have most of my retirement accounts in ETFs like VOO/ QQQM so I don't personally full port or even like to own large cap tech names as individual stocks because their correlation is so high and they all have a beta of like 1+. I've traded in and out of META/AVGO/NVDA at times.. But GOOG is one that I definitely am willing to own in my brokerage stock portfolio. Outside of search/ AI/ cloud/ ads trades, YouTube is an incredibly undervalued asset/ segment that could trade as an individual company and gets so much content for free/ much lower cost than the billions other platforms are producing (thats mostly shit). And Waymo hasn't even really generated revenue yet. As we've seen recently they've started to diverge from being totally grouped into the AI trade with mega techs NVDA, AVGO, AMD, PLTR, MSFT, datacenters, etc. And don't have a CEO/ founder that's a "face" of the company really which can hurt at times/ command less of a market premium markets react when guys like Elon/ Bezos/ Zuckerberg/ Cook/ Jobs/ Gates act out or part ways. Great business.

PriorCaseLaw

I only have two and I bought at 16k. I don't believe in it. But I honestly wanted to cover that base. God forbid it goes to a million. I hold physical metals. JPM is my largest position in financials. V second. Amex 3rd... I've never loved C personally. Im also up like 300% on JPM so no reason to doubt it. I hold pretty much a QQQM variant in my Roth 401k at a sizeable amount of moneh so it's loaded with tech. I pretty much focus more on value in the accounts I manage. Getting ready for my ORI and CME special dividends in December. Ori has been on a tear for a boring company.

SecondSt4ge

Voo and VXUS or just buy VT. You could do just VT and when there’s dips in QQQ buy that or QQQM. Vanguard total stock (VT) has a mix of US stocks and some international stocks like Taiwan semiconductor.

Heyhayheigh

Well. You sell when you have something urgent to pay for. That’s the purpose of your wealth. What you’re feeling right now is the bubbling fear in the market. All time highs. Right near the time when things pull back. Last time the cycle was 2022 in January. But you’re 15 years left in accumulation. Set your stuff to automatic. Don’t check your accounts all the time. There are always compelling reasons to run for safety. Emotional reasons. You say stuff to yourself: I’m reallocating. Rebalancing. Taking market considerations into account. All rationalizations. Sell when you have something urgent to pay for. That’s it. If you want to shift your new purchases to bonds. Cool. Do that for a while, but go back AND CHECK if your decisions were correct. You will likely find you should have just stuck to VOO and QQQM on an auto weekly basis. Best of luck.

Smooothoperat0r

This isn’t a joke. Buy VOO for a lower fee ETF than SPY. It’s an ETF for the S&P500. Alternatively if you want to be all in on the big tech names, QQQM not QQQ that’s the old one. QQQM is the same company that made a cheaper fee version for retail investors. It’s the nasdaq 100. This is real advice. Most of your port should be in S&P or Nasdaq index. Don’t buy BS small cap companies with no profit.

Brockooly

Yes I buy the same 3 stocks every 2 weeks, currently holding VT, QQQM, AMZN and then my traditional IRA is VOO and VXUS, if I could add more I’d DCA GOOG into my portfolio as well. I choose Amazon because i feel the stock is still undervalued so I felt more comfortable throwing more money at AMZN than GOOG when I started

WhiteNikeAirs

The key phrase from u/Mammoth_Drop_5486 is “spent a considerable amount of time researching this stuff and investing.” You as a D1 athlete should be spending your time optimizing yourself for your sport. That’s where your highest potential for earnings lie. Any stock market gains should be a bonus on top of the fat checks you cash from NIL deals and eventually (hopefully) an NFL team. If the stress or complexity of learning the market creates even the smallest distraction from football, you should hand off (pun intended) that responsibility to a professional. Your future as a high net worth individual is not worth self-directed gains now. Why take the risk and waste the time doing this yourself when you can easily afford a professional fiduciary? The way you’re compensated is already complex. Contracts do not remove income tax automatically the way a W2 job does. It’s on you to properly report this income and pay taxes on it. They will hit you with fees for doing poor math, being late or just missing a payment all together. You could even catch a tax evasion charge. Add in additional deals from local/national endorsements and other similar pay structures and you’re talking about at least a full day of paperwork. What I’m trying to say here is that you’re above this. You’re now at a level where your talent can out earn anything you can make in the market and the sums you’re dealing with have the potential to get stupid big, stupid fast. It’s ridiculous for you to spend time on things like adding up your deductions or ensuring you paid enough taxes. Also, athletes get taken advantage of or just flat out squander fortunes all the time, knowing a trusted professional is hugely valuable for someone like you who will be pitched investment and business ventures. If you really want to just invest yourself tho, just split 80/20 between VOO and an international ETF of your choosing. Adding QQQM or SPMO isn’t really diversifying. It’s just adding a really similar basket of stocks with slightly different weights 3 times over. Most index-based ETFs are already diversified. If you really need a third holding, pick up some precious metals or ladder some CDs.

greenpride32

Study done by Fidelity showed that inactive accounts are their highest performing - because the equities in place capture all the long term gains - they don't time and miss out on jumps. Typical investment cycle for a person getting out of school at 20-21 and retiring at 60-62 is 40 years. There isn't a single 40 year window where the broader market index is down - in fact they're all up substantially. So I put all my money into the market at the peak of the dot com boom, I'm still postive (by a lot) today. If I put all my money into the market at peak 2007 before the financial crisis, I'm still postive (by a lot) today. Those aren't even realistic examples, so people who had some buys at peak, but many other buys at lows are even better off. I hold index and individual stocks for 7-10+ years (some nearing 20). Go look at any chart, VOO QQQM MSTF AMZN V MA NVDA AVGO NFLX. Some of these stocks dipped by more than 50% from near term peaks - what does it matter if I didn't sell at the lows? This is how you growth real wealth. You and I can say anything we want - but the chart doesn't lie. NVDA is up nearly 1,400% in 5 years. How many slices of little profit do you need to collect to match that?

Mammoth_Drop_5486

Hey bro I think I’m around your age (slightly older) but I’ve spent a considerable amount of time researching this stuff and investing. Definitely get out of SCHD. You don’t need an advisor if you keep it simple: some in VOO, some in QQQM, and maybe pick one more ETF for international diversification. That’s it, if you don’t want to always be managing your money. No need for a fiduciary advisor unless you want the security of having that sort of “professional” opinion

AlgoTradingQuant

Exactly. Financial Advisors are worse than used car salesman. For the fun of it, I hired one of the top wealth management companies to control 25% of my total assets and I told them that they needed to beat the S&P 500 index (e.g. VOO) every year for 3 years straight or at least average more than my VOO portfolio for 3 years. Wanna guess how "well they did after their 1.25% AUM fees"? I'm sure you know the answer :-) I'm also a fan of QQQ (specifically QQQM) so I have some exposure to it as well but my core and primary holding is VOO.

Potential-Break-4939

SPMO is impressive but still fairly similar to QQQM.

LuckyLuckierLuckest

$QQQM is my play.

Datmiddy

Do they sell covered calls on it? I specifically bought a bunch of MSTR just to sell CCs for income. Made my mortgage "free" every month. I turn around and put the same dollar value in QQQM and VXUS. Yeah MSTR has crashed, but my cost basis now is effectively in the low $100s, so *shrug*

Siks10

Why do you buy high and sell low? Why can't you hold your stocks for a year or more? It's very unlikely you'd buy a stock close to the year low and they can go both up and down. Most of what you've listed there did really well this year and close to ATH. Value stocks are stocks like PFE, KO, T, VZ, AES, D and such. Based on what you just wrote I think you would be better off just putting everything in VOO or QQQM

notseelen

I recently rebalanced into small caps as I realized my VOO/QQQM position was not nearly diversified enough glad I did, I get the feeling small caps will have their day soon I still need to look at international (and MAYBE mid caps, but blegh)

Inittowinit1104

Iwm takes out the local tensions but misses tech upside. Spy is a good balance. Go 3/4 spy 1/4 VOO for added safety. And remember. Always the M. QQQM OR SPYM if you’re gonna buy hold.

Heyhayheigh

Buy VOO or QQQM on an automatic weekly basis weekly basis. Use a firm like Fidelity that allows fractionals. Set it to whatever you can afford. For some that is 100/week. For some it is 1000/week+. Always work to increase that weekly. That’s it. Spend less, invest more auto. Here is the important part: sell ONLY when you have something urgent to pay for. You’re already messing this up by talking about: I can’t sell NVDA because it is on a dip. Market don’t matter, urgent need to spend does. If you make good money, hire a trustworthy pro. Most suck. Just be aware. Don’t be shocked if you move brokers during your life. It is easy, no contracts. Life goes on.

alwayslucky7

A mix of TQQQ, SOXL, USD, UPRO, UDOW (10-20) And the rest in SPY, VOO, QQQ, QQQM, and maybe throw some into the leveraged google etf GOOX - i believe its called

Coldhartbaby111

QQQM, thank me in 1 year from today

mikepizza31

QQQM

Hairy-Beanbag

60/40 VTI/QQQM and chill

volly1985

I’d continue to DCA into my usual ETFS and crypto (QQQM 50%, SMHX 35%, URA/NLR 5%, BTC/ETH/XRP 10%). For context, I’m less than 1 year into investing with a 20-30 year horizon so not a lot of money right now. Very heavily weighted in tech & AI so all the bubble talk is making my tummy bubble, but I have an emergency fund so I am sticking with the plan and mentally preparing for up to 80% drop like 2008. If there’s a crash, I’ll buy more of the same. Not planning on diversifying until portfolio value is ~$100k (which is a fairly arbitrary number based on 1 years’ expenses/what I consider a lot of money). Who knows what the future holds, but I also plan on never selling anything ever — if all goes to hell and I need more money than I have access to otherwise, I’ll take up to 25% of portfolio value out on margin loan. Fingers crossed.

ChannelSame4730

Split it 50/50 just QQQM and VOO

RavenKlaw16

QQQM honestly. Better than individual stocks.

AlgoTradingQuant

All regrets here. I had the largest private Wealth company management my assets AUM and fired them years later (went through bear and bull market) and my self managed portfolio QQQM and VOO more than doubled their returns. Buy VOO, set it, and forget it. Wanna spice it up a little, through in some QQQM. Wanna spice it u- big time, but TQQQ when QQQ is 25+% down from its prior ATH 😜

Datmiddy

I'll never sell below my cost basis with such a volatile stock. I've been selling 3-6 months out at around my original basis. For example if I'd had some to sell today, I could've done 1x $280 cc 2/20/26 at around +$1,600, or 1x $370 cc for just +$575. I was strongly debating switching up to 6/18/26 at $280, it'd be around +$3300, but I was waiting to see if Bitcoin bounced back. I'm figuring once bitcoin settles the heck back down, MSTR will recover nicely enough that even if it "only" goes back into the 300's, I'll have averaged into the lower 200s by then anyway. Then I fully plan to sell out, throw half into Bitcoin directly, and throw the other half in QQQM or QQQ proper.

TheExusGamer

I'm 60% tech right now, adding schd to lower tech exposure. Vgt and QQQM outpacing my other holdings even when I don't actively add to it.

TestingLifeThrow1z

Is a 50% VT and 50% QQQM portfolio good for life?

Whiteshaq_52

QQQM puts for the lulz

Crenshaws-Eye-Booger

Never heard of SSO but I’m in QQQM in addition to SPYM (and NVDA). Trying to get into SPY LEAPS but that’s a lot of money to be risking.

Heyhayheigh

So what are you saying? There are riskier ETF’s? It is the same principle as VOO and chill. I do QQQM and chill, for example. I even do some with individual stocks I like. And I switch them (not sell, just change the auto buy). Sounds like you don’t understand VOO and chill my dude. But if it works for you, all good. Best of luck out there!

sooner-1125

You are 25… just buy QQQM and IVV and let it ride bruh. Dollar cost average into your 401k. This is 40 year money. Relax

EarAppropriate7361

Tech stocks have been doing well for years even before AI hype for other reasons. Innovation has been rapid in this sector. It’s worth investing in long term even with a bubble burst. Consider 25% QQQM 25% CGDV 25% AVMV 25% AVNV. 

Various_Couple_764

At this point in life you need income and growth index funds like QQQM and S&P500 index funds don't produce income. they just produce growth. To convert growth to income you need to sell shares and your 80K might not last long we are in a prolonged bear market were there is little to now growth. I would invest for dividend income with a fund like QQQI. it has a yield of 13% and you pay very little in taxes on the dividend you recieve. QQQI will generate a monthly income of about $800 q month. With your current $450 income you are now at about $1250. of income. Reinvest any money you don't spend. That would put your4 year income at 60K which is more than your estimated cost of college. And after you graduate you still have the income from QQQI.

Heyhayheigh

Open a Fidelity account. Buy VOO on auto weekly basis. Work to increase that weekly. Sell only when you have something urgent to pay for. Mutual funds are worse for taxes. With brokers doing fractionals, there is no real advantage to them. Buy VOO or QQQM, doesn’t matter which. Set to auto

k0unitX

QQQM is good. I would drop the single stocks and replace them with similarly volatile (but high expected return) instruments like crypto, precious metals and/or leveraged large cap (IBIT, GLDM, BTGD, BEGS, QQUP, QLD etc) A safer place to park your money but still get decent returns is STRC, especially if you're a crypto believer

twinkbreeder420

That’s why i have 14dtes on QQQM 270 strike price at .11

Heyhayheigh

Robinhood is fine (it supports fractionals for auto weekly buys). I just worry it encourages trading a bit much. Investing should be boring. I also don’t know if RH had budgeting and expense tracking. Fidelity does. You will learn as you go. Sell only when you have something urgent to pay for. Buying individuals or crypto, will give you more urgency to trade in and out. Easier to be dispassionate about VOO and QQQM. Fidelity, Robinhood, even Cashapp is fine for weekly auto investing. Read all my old comments. Everything people need to know about investing is in there.

Heyhayheigh

Open a Fidelity account. Use SGOV instead of savings accounts/HYSA. Invest auto and weekly. Whatever you can afford. Yes Roth is awesome. But the important thing is to automate and prioritize auto investing. Only sell when you have something urgent to pay for. You will learn as you go. Rome wasn’t built in a day. You will have setbacks. You will make common rookie mistakes: seduced by dividends. You will panic sell. You will buy individual stocks that require constant research. In my opinion the most important concept of investing is to understand to have auto weekly investment. Getting off the fence. Making it a non negotiable. Either hire a pro to make a balanced plan, or just buy VOO or QQQM. Set to auto. Work to increase. Spend less, invest more. Best of luck.

AskAskim

Thanks for the advice. I currently put like 70% of my RIRA into SPY & about 30% into QQQM. My individual stocks are just NDVA, GLD, & BTC. My HYSA is about 30% of my total investments/savings which is also pretty much all of my net worth. I would like to not only save money for when I am 65, but also maybe have a couple lucky trades and end up in the green at the end of it all.

jbridge11

Ko your best dividend company? I’ve been using SCHD but I don’t really know what I’m doing I pretty much invest in VOO SCHD and QQQM

twinkbreeder420

I’m already all in on QQQM calls with an average price of .11. I think i’ll be fine let me know how you do though and i’ll do the same :)