Reddit Posts
23 F advice on my long term portfolio: VTI/QQQM/Costco
Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
Choosing spouses growth stocks for taxable account
What are some funds that are good for the long term?
Deciding REITS for my portfolio. But lack the confidence in knowing how to valuate each choice.
Thinking about a higher growth portfolio for the new year.
I'm having a hard time understanding how ETFs expenses work
Lower Cost ETFs: SPY vs VOO, QQQ vs QQQM, GLD vs GLDM, etc
If you have limited capital but want to trade QQQ, can you trade QQQM as an alternative?
19, are automatic payment of $30nzd per week into these stocks good?
Long Term Investor Looking to understand Option Strategies
Thoughts on investment portfolio that I'm considering?
How do you approach a stock buy when you see valued stock dip in price
How would you recommend I allocate % split between VOO, QQQM, & VTI?
Portfolio Review and Strategy in Times of Uncertainty - Seeking Advice
Started making mid 6 figures 3 months ago… where do I start?
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
What ETF should I invest in in my Taxable brokerage
I bought Apple at its height and now I regret it
Deciding to start my investing journey. 50% in QQQM and 50% in VXUS
Which Portfolio Mix? Will big tech continue being King?
How to find small cap ETFs do a small part of my portfolio. Obviously aggressive and risky but want to put a small percentage towards this
Starting my investing journey. Gonna put 40% each in VOO and QQQM and 20% into GLD so what is everyone’s opinions on these?
Starting my investing journey. Gonna put 40% each in VOO and QQQM and 20% into GLD so what is everyone’s opinions on these?
Is there any benefit in investing In both Index ETF’s and individual stocks?
Is there any benefit in investing In both Index ETF’s and individual stocks?
Is there any benefit in investing In both Index ETF’s and individual stocks?
Investment plan for about 85 000$ USD over the coming year
Investment plan for about 85 000$ USD over the coming year
How safe are ETFs if broad index funds didn't exist?
If safe ETFs broad market were an option - what would you chose?
Sometimes the best thing to do is set it, forget it ... even if a recession is possibly near
[M25] International Student in the US - How to prepare to move assets overseas
What are the reasons not to long Tech ETFs if you are young?
Does dividend investing become a better long term option than growth investing at low income?
YOLOing my last thousand on option stocks after losing a lot of money. Missed out on Tesla calls by selling too early, bought CRM calls before earnings, and bought SPY puts to ride them to 0. Switched to QQQM now. RIP!
Three portfolio strategy or should I change it
Which one of the following ETFs are identical and redundant?
Should I invest $1000 into $VOO before $QQQM?
Rate my 10yrs+ hold etfs portfolio. I am not so sure about DIVI any good international etfs to replace? and also thinking about replacing QQQM 🤔 what do you guys think about this portfolio??
Seeking Feedback to Build a Strong and Diverse Portfolio - Any Advice?
Why are NASDAQ-100 index funds expensive compared to SP500 index funds or total market funds?
What are your cost averages for your top 3-5 stocks/etfs for the next decade?
Is there something similar to QQQM but for S&P 500?
Is there something similar like QQQM but for S&P 500?
I have my life savings which I dont think ill need in 1-2 year from now. DO i assume a small risk if placing it on a ETF following NASDAQ?
QQQM would be an inappropriate diversification correct?
NASDAQ 100 vs. Individual Components of the NASDAQ 100 for the next decade
Need advice with my portfolio allocation (experienced input preferred)
Mentions
you got a lot going on but its fine. personally i would drop SCHD, youre young and dividends shouldnt matter to you - only growth. if i were you, i would sell some (all) TSLA and SCHD and add it to your SPY and QQQM. or put some in potential high growth stocks, you have the time to take more risk. just my opinion
VOO 60% QQQM 40% - Make it simple
If you’re going to pay less in taxes this year and have a Traditional IRA it might make sense to convert a portion of it to Roth IRA. If you have no need for that cash and can invest long term then go with a broad selection of ETFs since that is non-qualified money the ETFs will give you more tax efficient investing over mutual funds since they are required to distribute capital gains to you at the end of the year. As for your asset mix that’s based on time horizon and risk tolerance. For example if you’re in your 20s and have a high risk tolerance you could go 80-100% Equity with 0% or 20% fixed income. If you’re in your 50s with high risk tolerance you might better benefit from a 60% equity 40% fixed income blend. As for the ETFs VT/VTI/VOO/SCHD/QQQM are always crowd favorites for the equity side For your fixed income portion make sure you spread well across the yield curve since interest rate action is bound to happen eventually. Spreading through the curve won’t make you the most money but it will give you the least amount of volatility when rates do eventually change. What I mean by spreading take these three treasury ETFs for example VGSH, VGIT, VGLT and even blend of those three spreads you nicely against short, mid and long term treasuries. Hope this helps.
hat’s a great monthly allocation. I’d personally do: * VTI (Total US Stock Market) * SCHD (Dividend growth) * QQQM (Tech-focused, lower expense than QQQ) * A little in BND if you want to buffer with bonds You could go heavier on equities now while you’re young and shift later. Just stay consistent and keep costs low.
QQQM is .15% looks like lowest expense ratio that tracks the nasdaq
I want QQQM so bad but not available to us in europe sadly. :(
Why does Kleenex get talked about more than Puffs or Scotties? One is more popular. Everyone touts SPY or QQQ when SPLG and QQQM are better long-term.
5.57% up $12 VOO, $8 QQQM, $6 VB daily
I will do VOO, QQQM for tech, and IWF for growth.
QQQM is a growth focused fund it is not the best choice for what you want QQQI is and income fund that invest in the same index of QQQM. QQQI has a yield of 13%. turn off on automatic reinvestments and build up the account with enough money until the dividneds generated are enough to be useful. 100K in the fund will generate 13K a year of income. Us the income to pay bills.
I mean you’re perfectly entitled to your opinion. I would love to see your historical performance. I bet you’re below sp500. This is no insult, most of us are this way. So all that research, would have been better with VOO and chill. This is a young OP you’re talking to. Getting started is VOO or QQQM auto buy. Fractionals. That’s all he needs. Maybe SGOV for cash (even though fidelity money market is fine, way better than bank). Research lol. Statements?? Holy jeebus. Who looks at their statements? I swear the first time a client looks at their statements is when they give me a copy to review their current situation with them lol. But I get your point. If you find value with the different brokers. Good on you. Best of luck.
QQQM is NASDAQ for buy and hold. So tech etf. More risk and volatility than VOO. Volatility is a weekly auto DCA’s best friend. Set and forget. The more volatile with an upward trend the better.
what is the focus of QQQM (i was going to split between VOO, VOOG, and SPY, but i know they are all ETFs with different focuses)
For what you describe Fidelity is the move. The money market and fractionals, good website and mobile app. Maybe E*trade or Schwab do same thing. Who knows. Brokers are like gyms. Like what gym is better? None man. They all have bench press, weights, treadmills. All brokers have stocks bonds mutual funds. The work you do in them matter. If I had to do it at your age? I would buy QQQM on a weekly basis. The most I can afford. Still have fun, buy companies I like with one off. But never take my auto QQQM off. Work to increase the auto. Only three numbers matter: monthly income, monthly expenses, monthly auto investment. Only flex is investing more than you spend. Super hard. Almost nobody does it. But it means the purpose of your income is to grow your wealth, not pay blood sucking bills. Never rely on self discipline. Set to auto. Learn along the way. Don’t let the optimum get in the way of GET STARTED NOW. You’ll do great!
I guess my answer isn't for you then. I do ETFs, VFIAX and QQQM, (and a small bit of BITB), but my ETF strategy is retirement planning purposes
Set your investments to weekly and automatic. QQQM or VOO, it don’t matter honestly. People focus on the wrong thing: get in as much as you can as automated as you can, as early as you can. The habit is more important than anything else. Never rely on self discipline. Set to automatic. Have a mechanism to increase the automatic. Have an emergency fund. Sell only when you have something urgent to pay for. Best of luck out there.
QQQM is newer and less fee. Better yes.
also for QQQ is QQQM the same but just newer?
You need to Google dividends are not free money. Figure out what you can afford to buy on a weekly basis. VOO or QQQM s fine. Never rely on self discipline, set to automatic. Put a system in place where you constantly try to increase that weekly. Only three numbers matter: monthly income vs monthly expenses vs monthly automatic investment. When your investments are close to your expenses or even beat it, you’re a winner. SGOV for cash and short term money. Have an emergency fund. Set to auto. After a while you will see money is easy. Educate yourself on bogleheads. Work to optimize. But most need less optimize and more get off the fence. Best of luck out there.
Historically defense underpeforms the broader market index by some and technology by quite a bit. It is only comparable to the broader market over the past 5 years due to a large run up since April of this year. In that case why not just VOO or VTI and QQQ/QQQM? At most I could see a 10-15% slot for ITA if you want more diversification. But if you see an opportunity in 2 specific stocks, I'd go with those instead. Why not disclose them? If it were me, I'd be asking for insight on those 2, rather than just saying "hey I have 2 ideas what do you think?"
hey rex so do i sell ? then buy into QQQM?
Yes, and then buy strong individual divi stocks, mixed in with some QQQM/VOO/VTI/SCHG/IEFA etc. Diversify the shit and never work again. Take 50K and play with it. Hell I might even get a guy to manage the majority so I don't do anything stupid.
My favorite response so far- I agree. I am intentionally over-weighing tech because I more-strongly-than-average believe in the future of tech and AI. Right now I am favoring a portfolio that looks like ~62% VOO/VTI, ~25% QQQM, ~10% VXUS, ~3% Bitcoin I think my final uncertainty is whether or not I want to increase international exposure? 10% is still a small hedge. I believe in the American economy long-term, but sub-10 years is anyone's guess
VOO and QQQM will work at your young age. Don’t forget other priorities like saving for your house. > .. increasing international exposure Probably look at VEU as your US choices are large cap.
VOO and QQQM is fine. Set to auto. Don’t rely on self discipline. Easy to scale is more important than anything else. Set to auto weekly, work to increase the auto weekly. Cash for emergency fund and Roth contribution should be in SGOV, this will show you historical performance against the benchmark. All personal finance is the same: income vs expenses vs automatic investment. Have emergency fund. Sell when you have something urgent to pay for. Do that every month of your life. You are sooo young. You’re doing better than most. You will do great! Dont close yourself to paying cash for a home. That is silly. If you can, and it makes sense, great. But having it is a goal on its own is silly. I know lots of life long renters that sing the same tune.
> Currently, my account is allocated at roughly ~77% VOO, ~20% QQQM, ~3% Bitcoin. Not the most diversified and admittedly skewed by recency bias, but **seemingly high potential for growth within my time horizon.** Potential for growth? Maybe. Also potential for loss; 6-8 years isn't a particularly long time frame. How much loss would you be okay with?
Your portfolio has VT, SPLG, and QQQM. All very good growth fund with good strong returns in a good.year.But retirement fund work best for you when they have growth and dividend investments. You should rad the book The Income Factory.
30yr old Male in CA. I hold a Roth IRA with Fidelity - VT. SPLG. QQQM. FBTC. I have an old 401K with $25K in it, I’m going to roll it over to an IRA. Looking to maximize growth and returns, What would be a good portfolio based off my Roth portfolio?? Any help or advice is appreciated..
Yeah, the tilts are intentional. SPLG and VEA/VWO give broad global exposure. QQQM is a growth tilt I believe in long-term. AVUV, AVDV, and AVES add small/value exposure in the U.S., international, and emerging markets. Areas with strong evidence for long-term outperformance. Might look complex, but the goal is to diversify globally and tilt toward factors that historically add return.
It's an okay portfolio as far as trying to stay close to the Boglehead approach. I would personally stick with 1 or 2 funds instead of trying to find the recipes for a good portfolio. Like, how did you arrive at these arbitrary percentages? Why not 30% SPSLG and 19% QQQM? It's like you're shopping while hungry and are grabbing whatever looks appetizing on the shelves.
If you make a ton of money (backdoor Roth), you should have two or three trusted financial pros you can talk to or at least have a personal relationship with. Why? Because your time is more valuable. Delegate the effort and willpower and planning. Maybe you don’t have them manage your money. Fine. But at least you should know some. If you’re fine automating yourself and have no fear of panic selling, there is nothing wrong with that. Get a good reco from friends or family. Honestly VOO or QQQM will be fine for auto investment. SGOV for cash. Go with your day. A good advisor will streamline you and hopefully get you to auto investment more than you would on your own (what I consider our true purpose as advisors). Best of luck out there
All investments are tools. I know WHY novice investors are drawn to dividends, but think of dividends as forced liquidations and distributions. That MIGHT be what you want, in which case, cool. But your preference should be which gets you a bigger bag. It shouldn’t be a preference for you if VOO grows bigger and faster and you just sell some when you need to pay for something, or dividends auto pay cash. Google dividends are not free money. Some of the stocks I like have dividends, icing on the cake, coincidence, but that is not WHY I bought/buy them. Set your purchase to auto. VOO or QQQM is fine, sell when you have something urgent to pay for, work to increase your auto purchase. Best of luck out there.
Open a fidelity account and set up auto investing to VOO. It’s that simple. That’s the S&P 500. If you want some international exposure, add VXUS. I don’t do international cus it’s sucked for a long time now. Once you get your feet wet and start to understand how things work, you could start adding some ‘satellite’ positions like SCHG (large cap growth) or QQQM (Nasdaq 100). These will give you more exposure to the big tech companies that have been crushing it for like 2 decades. Personally, I do VOO and QQQM. Some may disagree with adding something like QQQM, but I like it and it’s outperformed the market for a long time now. But for you, I’d suggest starting simple and just invest in VOO.
The answer is that you don't have the intelligence to invest in individual stocks. Not actual IQ, rather information. Those boards are closed to the public, the CEOs lie and obfuscate, or are truly ignorant about what happens in their company. Do I have individual equities in my portfolio? Yes. But most of what I have are in indexes: SPY, OEF, DIA, ONEQ QQQM, DAX. The top three performers for me in individual equities are: COST, AAPL, BRK.B, I also have some JPM, and a bunch of shit stocks that are play stocks. I use AAPL and COST all the time, so I know they will delight their customers and keep them for the long haul. JPM is historical, and the shit stocks, like MDRX were bets that I just can't let go of. MDRX, for 14 years they screwed up their company, for a good portion of that time they didn't know what their financials were, but continued reporting. They finally got caught and got delisted. They have been 2.5 years? since delisting and still can't provide audited guidance on their quarterlies. That is what I mean but you don't have the intelligence of what is going on in the company.
Concentration in the wrong investments underperforms as well. If you don’t know shit about fuck, QQQM is right there. That said, there is a reason why market cap investing works (VOO, VT) and is difficult to beat long-term.
SPLG and QQQM are nominally better.
DCA 100% of your portfolio into QQQM and don't touch it until retirement
This is Cope for a poor long-term investment strategy. If your investment horizon is more than 20 years and you choose VOO over QQQM, then you made a mistake.
Aggressive is 100% QQQM. This is a half understood boglehead
I put 26% of my annual income into my Roth 401K. Fill up the max $23.5K 401K limit, then the rest goes into Megabackdoor Roth. Mostly put it in a variety of ETF's (QQQM, XLK, SMH). I also have a rental that I put any after-tax rent (2k/month) into a CEF (BST) that pays a monthly dividend at an 8% annual rate. Trying to generate some additional stream of cash.
Wheel Strategy or move to VTI/QQQM if volume is too low for options.
Sounds good enough. My taxable account is similar holding SCHG instead of QQQ. Also it’s worth mentioning to look into QQQM for a slightly cheaper expense ratio
Forget this very terrible idea. GOF has hugely underperformed QQQM, VOO, and FSELX the past ten years.
Start getting used to the idea that investment is constant. Monthly income vs monthly expenses vs monthly automatic investment. VOO is fine. QQQM is fine. You will have seasons where you get overly fancy, but honestly sp500 is fine. Set it up to automatic. Pick a platform that supports fractionals. Do that every month of your life and you will see money is easy. Sell only when you have something urgent to pay for. If you sell only news, or some crazy low thought idea, yup, you messed up. It gets harder to not do something stupid when the money gets bigger. Best of luck out there young buck.
I have a 457B, but they only allow specific funds. The funds they allow don’t quite match the perfmance of QQQM and VOO. I max out my IRA and then put about $4K a year into the 457B. Unfortunately I’m maxed out with monthly bills and can’t do more every month. We are a single income household.
Stick to QQQM and VOO. Don’t you have a 401k? Just move old plans to the new plan. Keep things simple. VOO is fine for outside of retirement money.
I like the Boglehead 3 fund portfolio. Total US, Total international, and however much bond you want. Rather than IWM and VOO, I would just get VTI. It's an easier way to own the total US market. VXUS is a great choice. I personally do 70% VTI and 30% VXUS. I don't like gold as an investment. The long term real returns of gold are ~1% per year. It's less of a true investment and more of a speculative asset. William Bernstein has some great articles about precious metals investing. I own about 25k of QQQM in a taxable brokerage account. I bought it before I read more books about investing. If it were in a tax advantaged account, I would sell it and go for more VTI/VXUS. QQQM is extra tech heavy. As an investment vehicle, it doesn't make sense to use a fund that is 100 companies that happen to be listed on the NASDAQ exchange. The only reason people talk about it is because it has had a good run recently, because tech has done well. Chasing returns by weighting heavily the high performing sector from yesterday is a good way to kick yourself in the ass tomorrow.
I appreciate the detailed response. I am planning on parting ways soon. Getting the accounts setup just finalizing which EFTs to transfer into. I will check out the guide you mentioned above. These are the five I am leaning towards, Just not sure if there is too much redundancy or if I am missing anything. Also have no idea how to weight them. (Maybe worth starting a new thread.) IWM VOO VXUS GLD QQQM
Changed jobs and decided to stop losing money by investing in individual stocks. Instead, I parked most of my money in QQQM. Almost immediately afterward, ChatGPT launched, the NASDAQ-100 started to rally, and the rest is history.
I disagree with most people here. I think you should be allowed to have fun and play around a bit. I'd split your money somewhere between 20-80 and 40-60. The larger portion will be for long term investment ETFs (VOO, QQQM, SCHD.) It's good to get into the habit of putting money away to investing regularly at a young age. However, you are young. So you have enough time to make mistakes. With the smaller portion, put that into crypto, stock, or whatever. Play around with it a bit. You have time to lose that money, and build it up again. I just want to go out and say that messing with crypto or individual stocks is usually a dumb idea. I don't advise it. But if you don't get it out of your system, you'll always wonder if you could have become insanely rich by playing with it. So take a small amount to see what returns you can get. If you are doing well, great. Stick with it. If you're failing constantly, well then you know it's a tough game. Switch to 100% into your ETFs. And at this point, you've seen your portfolio grow a bit because of your investments.
SPMO. QQQM. VGT. If you want international check out IDMO, but i wouldn’t count on holding that interminably.
Perhaps diversify with some QQQM and schd that what I tell most people who do not have the most knowledge when it comes to stocks. QQQM is very volatile but can outpace the S&P 500 in the long run SCHD provides some dividend income and if you keep dripping you'll enjoy the income later on. but again all of this is upto your risk tolerance.
Stocks/business/finance/market are more of a hobby and interest of mine - then simply extra work I need to do for wealth building/retirement planning. My profession is a completely different field. I see a lot of "low effort" type approaches here and lots of chasing the hot trade, but not having much knowledge of the underlying. To me this is more akin to gambling than investing. Like everything else in life, you tend to get out of it what you put into it. Of course anyone can get lucky sometimes, but all the time? Probably not. My advice if you don't have the time (or maybe the interest) is to stick with major indices and ETF's that have historically performed well. The obvious are VOO (or VTI) and QQQM (or QQQ).
You're better off taking that money to the slot machines if you're not serious and looking for a little fun. Invest in QQQM+SPLG
Usually VT, VTI or even VOO, but this is a case where QQQM might make some sense.
Oh lord. Lol. Historical performance. You’re either above or below the branch mark brother. You will learn. Or you won’t. Only numbers that matter: income vs expenses vs automatic investment. You obviously enjoy the gambling. And im not telling you to stop it. Just set the majority to auto. Have the fun on the side with the leftover. I place trades too. It’s fun. But the majority is auto. Doesn’t matter if VOO or QQQM. You learn this early and you will see money is easy. Sell when you have something urgent to pay for (at least the auto money, do whatever you want with the gamble side). Best of luck.
All are solid companies. I’d rank them as follows: 1) Nvda; 2) AVGO; 3) Goog; 4) aapl However if you are new to investing you might be better off just buying SCHG, or QQQM, or SPMO. They hold the above companies and a broader set of stocks which protects you on the downside and still gives you good growth potential. Nvidia and AVGO are very volatile so you might not have the stomach for it. Google is beat up now due to antitrust risk while Apple is out of favour due to weak growth and tariff risk.
I bought a bunch of QQQM and CIBR during the lowest points of the Trump tariff crash, but I’m avoiding putting new money into tech these days. Not selling any of my older tech positions, however. New money is going into SOC and BRK.B. SOC is the big high risk play. My Roth is bursting at the seams with it right now, as of this afternoon.
I have QQQM in my HSA, and I have been happy with its performance.
Also if you’re buying the Nasdaq buy QQQM instead of QQQ. Much lower expense ratio.
SCHG pairs nicely if you want to lean into growth and stay simple. QQQM gives you heavier tech exposure if you're cool with more concentration. SPMO’s smart-beta tilt could work, but it’s less proven long-term. I’d go SCHG for balance
>I have a pretty high risk tolerance, and a pension, so I want to be pretty aggressive or the next 25 to 30 years. What about emerging markets? Or small value? >I know past performance… all that Do you? These 2 at minimum make it seem otherwise: >SCHG, QQQM 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/ >as I can’t decide between these 3? I don't see QQQM or SCHG really fit with the lessons from these other than maybe the momentum factor. SPMO does, but you'd only be hitting on one of the 5 factors Fidelity points out and it isn't the strongest one. >I have a pretty high risk tolerance, You're looking at funds that largely focus on an area that is actually quite safe, not risky. Larger caps are seen as safer than smaller, developed markets are safer than emerging, and even within developed markets the US seems to often be seen as safer than most of the rest. So where's the risk?
SPLG QQQM SCHD FTEC is a good base to start from. All are cheap and cover the same as VOO QQQ VGT. SCHD is for dividends. The one stock I would advise to anyone is Amazon. E-commerce, robotics,AI, cloud computing, prescription drug delivery, autonomous cars, space rocket program.
Morningstar is not a fan of either QQQ or QQQM - you need premium to see this review probably, can get that by paying (starts with free trial) or using your library computers. >The Nasdaq-100 Index is a flawed benchmark whose superb track record conceals holes in its construction. >The construction rules of the Nasdaq-100 Index, which this fund fully replicates, are borne out of Nasdaq’s desire to promote its exchange—not an investment rationale. The benchmark absorbs the 100 largest nonfinancial firms listed on the Nasdaq and weights them by market capitalization, with provisions to mitigate concentration. It excludes stocks listed on other exchanges, shrinking the fund’s opportunity set for no economic reason. Some large-cap technology stocks that otherwise fit the Nasdaq-100 mold, like Salesforce and Oracle, are excluded for their New York Stock Exchange listing. Should one of the fund’s holdings leave the Nasdaq, this index would have to sell it. >
I didn't know QQQM is cheaper than QQQ. Let me check. I will reduce the bonds... No retirement not at least for 15 years...
QQQM is a cheaper version of QQQ. I went with that instead. 35% index bonds is a lot unless you're in retirement.
Fellow high school freshman here. The portfolio looks good in my opinion. You’re miles ahead of 99% of your classmates, you don’t understand how many people have absolutely no clue about the stock market. Maybe look at switching QQQ to QQQM for a smaller expense ratio with the same companies.
S&P 500 index fund, QQQM and SCHD is all you need.
50/50 VOO and QQQM.....you got in theory 40 years, time will settle out any diversification risk you might have
50/50 VOO/QQQM and call it a day
QQQM is solid if you want tech exposure. Been doing this for years simple and works.
Just go 100% QQQM and DCA to millions.
It should be the same as always. VOO or QQQM auto invested. Sell when you have something urgent to pay for.
Save a lot of money. Look at how the guys at r/Fire are doing. And invest wisely. Invest in ETFs like VOO or QQQM or both. You can throw some money away for fun in r/wallstreetbets but otherwise don't. The post-covid boom definitely helped his case too. And if you want the thrill invest in LETFs like SSO UPRO or QLD. Although I wouldn't recommend that in this market though as they do trend downwards due to interest rates (overall they make a lot of money though).
I hope you learned your lesson from buying options. You know that there are two sides to options right? Buying options is gambling. Selling options is a strategy you can use to hedge accordingly to sell contracts that expire worthless. The risk is limited. Selling Cash secured puts or selling covered calls is a whole different thing than buying puts or calls. Buying options is gambling. And unless you have a very strategical method into why you’re buying the options with a certain stop loss, then you should not even bother touching them. You can easily make up this amount of money in a year or two if you work hard and change your strategy. Start investing wisely. Buy VOO, QQQM, bitcoin. Buy nvidia. Start building a portfolio of stocks you own and have a plan. For every 1 person that gets lucky on an option, another 100k people lose money on them. Options are not for beginners.
dude, I say this with compassion, options are not for everyone. You should probably just put your money in a index fund like VOO or QQQM, set and forget it. Let is compound up in your account
Maybe QQQM and SPY would recover before expiration
Increase your 401k, you’re overpaying taxes. Work on automation. Some reasonable % of cash savings each ninety should be auto VOO or QQQM, whatever you think is reasonable, then just work to increase that. Only three numbers matter: monthly income vs monthly expenses vs monthly auto investment. It gets trickier for business owners because you guys in a sense “do auto investment” in your own business. But the underlying habit and financial hygiene principle is the same: set to auto. Sell when you have something urgent to pay for. Have emergency fund. Don’t listen he news. Best of luck. Sounds like you will do great!!
An investment property with your sister in law? So you’re actually thinking about selling strong performing stocks to purchase a job with your sister in law. Real-estate isn’t sit back and do nothing but collect money. Unless you’re going to give up a ton of profit to hire a management company, you’re getting a job. Your stocks aren’t going to cause a massive fight with your family where your sister in law never speaks to you again but real-estate will. Your stocks aren’t going to have a squatter, need a $20,000 roof replacement, sit vacant for months while you scramble to find a renter, have rising insurance costs, etc… but real-estate will. If you want to sell your Microsoft shares and buy VOO or QQQM that’s something to discuss but selling to buy real-estate with a relative is a very bad move.
VXUS VTI Both negate need for QQQM and you’ll have a diversified portfolio.
Buy 1 share at a time in companies you know very well. But put most of it into ETFs like VOO or QQQM. When you buy make sure you buy with the intention of holding it for 3-5 years.
I recently did the same thing this year. I went 50/50 in FXAIX and QQQM.
Buy index funds, VOO/IVV or QQQ/QQQM, till you learn more about the stock market. Don't touch options for now.
The Stock Market will always win long term, unfortunately not everyone has the means to be heavily vested in it. And smart people also highly diversify their portfolio with ETFs, Mutual Funds, Gold, Fundrise, College Funds, Bonds, and me personally in these uncertain times have stopped adding my sizable monthly contributions to my portfolio and instead am just building my high yield savings account that generates me 4% APY bc to me, that’s the safest play at the moment. It constitutes 20% of my overall portfolio and I currently have $250k in my high yield savings account that I can access at any time. I used $100k to buy the huge dip on April 9th and that has paid off big time for me but now I’m just building cash for when it possibly happens again. I was able to get SCHD, VOO & QQQM all at 52 week, or more, lows and they are all long term holds for me that I added to my already solid holdings in. I won’t even look at cashing out from them for 20+ years. We are, however, at a pivotal crossroads coming up this summer. This administration needs to get our record breaking $36 trillion debt under control, and it’s NOT through tariffs. Ask any economist and they will tell you that’s NOT the way to do it. But the economy and the stock market have somehow become separate entities. You can’t judge the success of the economy anymore at how well the stock market is doing, bc there are many companies (tech especially) that are simply recession proof. Inflation is going to continue to rise, so if you’re buying anything right now it should be gold. I recently also bought $20k of GLDM, a Gold ETF, but the stock market could very well crash again if Trump goes back to his tariffs. The guy is so all over the place it’s so hard to predict what is going to happen, he changes his mind constantly and that a scary variable. But the amount of wealth leaving this country through us purchasing goods made in other countries is astounding. Our trade deficit is $1 trillion, and that’s almost doubled in the past 10 years. Americans don’t actually make anything here and tariffs won’t make US companies simply become altruistic to the point they will start. They’ll simply pass the tariff tax onto the American consumer. I own a golf club and for the first time ever I have received “tariff charges” on my invoices. So what did I have to do? Simply go and raise the prices accordingly on those goods so I wouldn’t have to eat the cost myself. 10 years ago I could sell a golf hat for $20, now that same hat sells for $50. And 10 years from now lord knows where we will be.
I would simplify your US etfs to just VTI, you are not really getting that much tilt away from VTI itself (97% correlation), and paying at least 5x more management fees for the privilege. Personally, I don't understand the fascination people have with a broad single-exchange ETF like QQQM. If what you really want a is a tech sector tilt then I'd recommend a sector focused fund like XLK (it's also much cheaper ER). My favorite tool is Portfolio Visualizer Backtest. Good luck
Hi Everyone, I'm in my late 20's and just getting started with investing, focusing on ETFs for long-term growth. I’m putting approx $1,500/month into this allocation: * **QQQM (30%)** * **VTI (35%)** * **AVUV (25%)** * **VXUS (10%)** To build this foundation, I’ve researched beta, expense ratios, overlap, and historical returns. I’m not investing in individual stocks or options yet- just keeping it simple and aiming for long-term compounding. On the retirement side, I contribute 6% to my 401 (k) to get the full 4% employer match. I don’t have a Roth IRA yet, but I want to learn more about tax-advantaged accounts and stock market investing in general. I’d appreciate feedback on: * This ETF allocation for someone my age with a higher risk tolerance * Sectors or specific ETFs you’d recommend for more diversification or growth * How do you handle sector/thematic ETFs as trends change * Tips on rebalancing or tax-efficient strategies for beginners Also, I'd love your recommendations if you know of any niche resources, communities, or tools that helped you get started (especially beyond the usual basics). Thanks for your insights!
At his age, if he’s planning on holding for decades, there’s almost literally zero risk to being 100% in the S&P 500. Your time horizon gives you a lot of freedom to take risks now. I’d recommend somethjng like 75% into VOO, 25% into somethjng like VGT or QQQM, to give you extra focus on tech. Not sure I’d recommend buying single stocks, even at your age, as stock picking is notoriously difficult. If you do want to buy individual stocks, I’d limit it to a very small percentage of your portfolio.
QQQM hasn’t been out for 5 years so it missed the whole spring-autumn 2020 bull run. QQQM is run by the same company as QQQ. The QQQM ticker is the exact same thing as QQQ but with a slightly lower fee. They made QQQM because too many people were bitching that the QQQ management fee was too high.
Just buy shares of QQQM, brochacho
For cash you need in a year you can't beet the 6% yield. However if this is a long term investment I would go with the stock market. For the stock market it depends on the tax you are willing to pay and if you want cash or share price apreciationn. If you in vest in an index growth fund LIKE VOO, SPYI or QQQM you would pay almost no tax yearly on the dividneds you receive (!% or less. You would only ow taxes on the gains when you sell it. If you want income and don't mind additional tax a a fund like QQQI is hard to bee. QQQI uses covered calls to convert price volatility to income. It also uses tax loss harvesting to reduce the tax on the dividneds it generates. Its yield is 113% which is double what the pbank pays. If you only spend the dividned it is constant source of income. If you reinvest the dividends your investment will double in value ever 6Years.
VOO or SCHG or QQQM. Skip SCHD since you're too young for dividends. Aim for growth.
I put my long term savings into these 3 funds: VIG SCHD QQQM I’m thinking about dis investing from VIG and putting it into VOO or another growth fund. Thoughts and recommendations?
Just put it in a safe index fund for them like VOO or QQQM