Reddit Posts
If you’re young, increase risk until you are 100% you’ll hit your goal!
What do you think of the growth section of my portfolio?
80k to invest + no debt how would you invest it?
Questioning if the extra etf in my portoflio actually improves expected returns or just adds volatility
Should I combine my Stash and Public accounts after Stockpile send my accounts in different directions?
I am at a crossroad in my mid 20s of what I should do, I'd be very appreciative for some advice
40K investment in higher-yield ETF nearing retirement?
What stocks should I invest my $1000 into (Roth IRA).
Rate my 100k by graduation plan at plan 18 years old
Which Plan Would You Choose For Long Term Traditional IRA?
Unpopular Opinion: QQQM beats VOO over a 30-year horizon
With the OpenAi and SpaceX Scam Rules, What ETFs can I buy instead of QQQM?
What should I invest in other than FTSE all world?
Any specific ratio to set up recurring investment for Roth IRA long term?
What’s the reason not to just go QQQM rather than VTI/VOO etc. when looking at long term ETF holds?
Thoughts on this 3-ETF portfolio? Too much overlap?
Non-US resident. Alternatives for US ETFs for 5 to 10 years’ investment period.
What to Invest in from the following - portfolio breakdown I want to diversify from Tech
First $1,000 into individual Roth IRA Fidelity
19yo investor looking for some long term help
I want to know if my investing strategy is good.
Timing of subscriptions to a mutual fund - what price do I get?
I am missing something between VUG and QQQM
Asset allocation for continuous USD devaluation
How's this ETF portfolio for a 15 year monthly investment plan?
How's this ETF portfolio for a 15 year monthly investment plan?
Looking for Roth IRA Portfolio Advice at 24 yrs old
Thoughts on switching from VGT to QQQM for better diversification?
My New Year’s resolution is to max my personal Roth IRA. Where should I put my money?
Is there any legitimate reason to use Robinhood?
IBKR: Are fractional ETF purchases (fixed dollar amounts) actually possible?
Hit 550k NW at 24, should I continue being conservative or start taking some risk
Thoughts on this portfolio allocation for a 25-year-old seeking growth?
Just started investing at 19! A lot of things overwhelming and need advice.
Where would you put $100/mo if you want some volatility but not a full YOLO?
Should I invest in the same ETFs in my Roth and Brokerage?
Should I tax gain harvesting ETF if I am low income?
Student with 80,000 dollar buying power, what to do?
Is my portfolio too risky? Planning to hold long term.
Mentions
pay off your debt 6 month emergency fund into high yield savings account Roth Ira max into SPYM QQQM rest into regular brokerage SPYM QQQM auto reinvest all Dividends
I would do something like QQQM. It’s the nasdaq100 but with lower expense ratio than qqq, less liquidity but fine for long term holds. Pros: historically better growth than sp500 or something like voo. Cons: there are some fears of a bubble, and it’s likely that something like nasdaq will fall harder than a broad market fund.
Yes! I have a custodial account for my daughter and a separate 529 plan for her. Me and my wife put half of our work bonuses into the 529 plan, and I routinely contribute to the custodial account ($30 monthly). Since it is a taxable account, I highly recommend ETFs. I personally use a Total USA stock ETF (SCHB). VTI or ITOT do the same thing. If you want tech/growth sector ETFs, look into: FTEC, QQQM, or SCHG.
The problem is if you want to hold QQQM you will have to buy. If this shit ever gets on the S&P someone needs to start an ex-Elon S&P index and I’ll buy the hell out of it
Same here. I had $50,000 invested into QQQM in my Roth IRA. I ditched it a few days ago and switched to SCHG, since it seemed to the closest NASDAQ-like index that hadn't been ruined by the rule changes. IMO the NASDAQ index is going to get a lot worse over the coming months with SpaceX, OpenAI, Anthropic, and possibly others treating retail investors as exit liquidity, and ways to keep funding their cash burning machines. I'm not going to bail them out of their holes, and I'm not going to reward the NASDAQ for hurting retail investors with these rule changes.
One person sold his entire QQQM position on here bcuz of it 😂
I’ll have a good amount automatically after the pull back when it’s bought by QQQM, so that’s certainly part of the plan.
I sold my QQQM when the rule change hit. It wasn’t SpaceX specifically but opening the door to more of the same ad infinitum like you mentioned. Felt like it added a new risk with no upside so it was time to go.
Here are a few popular ones (Different entry dates): - VT. Total world ETF. - VTI, SCHB, and ITOT. All total usa stock ETFs. - QQQ and QQQM. - SCHX. Large cap 700 ETF.
I maintain a watchlist of about 20-25 stocks which I like to buy more. I usually wait until the specific stock has a dip in price and get a good entry point. Swap out my lowest price momentum stock for the better stock. I use a stock screener to sort out the stocks based on fundamentals, PE ratio, earning growth, 20 day moving price and price momentum. I currently own about 20 stocks and 5 ETFs, You can get more diversity by adding ETFs investment outside the VOO and also focus on specific sectors for higher returns with some additional risk. You can expand your ETF mix beyond VOO to get a higher return with some more risk. The stocks that I currently own have had a recent high run up in price and I'm at the point of cashing out of some of the stocks to capture profit before market down-turn. **Take a look at theses ETfs with 3 year total returns:** 1. SOXX- 3 year total return 2611%- semi-conductors 2. AIS- 1 year total return 101% -Ai stocks 3. QQQM-3 year total return 102%- Nasdaq index fund 4. VXUS 3 year total return 51% International stocks outside USA 5. EEM 3 year total return 69% Emerging Markets outside USA Good luck.
This is not like 2009 at all. Closer analogy is 1999-2001. Even then, as long as you weren’t 100% tech, it wasn’t a huge dumpster fire. AI/Tech seems ridiculously frothy, but there’s a much bigger world out there than that. My diversified portfolio continues to do well. I’m about 50% small caps/international with the rest in US large cap (SPY 35%, QQQM 15%). If tech goes on a tear, great. If not, international/small caps should still hold up well and my exposure to that stuff is manageable. I’m not day trading this at all. Just adding to my holdings slowly over time.
I'm mainly worried about QQQ/QQQM, which are confirmed to automatically include SpaceX once it goes public since they're NASDAQ. I really like QQQ and have been holding for a few years but, even if it's a low percentage of the shares, I really don't want my retirement savings wrapped up in what might end up becoming one of the biggest grifts in stock market history. I'm just trying to think of what would be good alternative ETFs to put that money in, probably just shift it into SP500 funds for now.
This ETF claims it tracks QQQM.. but upon checking the holdings it omitted Walmart & Costco... like why lol?
Lmfao the plunge to 819k def had me worried but I locked in and took on concentrated bets on high beta stocks sold the pump today and will either buy VOO QQQM or wait for a market wide pull back we will see I am young so can handle the moves
Bloodbath……QQQM last less than 4%. You kids are nuts these days.
I spent the last 2 weeks of May dialing back my risk and forging a bullet proof port, predicting a pullback in June. Almost all ETF bullshit. Cash reserves to buy the dip on VOO/QQQM/SPMO whatever. June 1 it didn't happen, kept pumping. I figured it would just keeping going up forever, that I could time my exit if it is a bubble. Peak FOMO. Went back into high risk AI hype shit on fucking June 2, I shit you not. Top regard.
Perhaps consider a series of diversified low-cost ETFs and DCA as funds become available. VOO, QQQM and SOXQ how I'd start were I 21 again and lock more try putting away 20% net of taxes combined first into ROTH 401(k) then ROTH IRA then rest into brokerage since early on where one pays the least of taxes then later in life switch to Traditional 401(k) and Traditional IRA plus continue buying in brokerage because SS not enough and I'm speaking from experience vs I how I viewed retirement at your age.
I am thinking of just doing SPY and QQQM and maybe 2-3 stocks I believe in and hold long term.
Also QQQM, SMH, and a few more I can't think of
Your instinct to swap out QQQM is solid, but maybe not for the reasons you think. VOO already has heavy mega-cap tech exposure (NVDA, AAPL, MSFT are ~20% of VOO). Adding QQQM, SPMO, and VGT on top of that gives you massive overlap — basically your whole portfolio is US large-cap growth. Swapping QQQM for AVUV (small-cap value) and VXUS (international) would actually diversify you. AVUV gives you exposure to smaller companies that are historically cheaper and have higher expected returns (the Fama-French value premium). VXUS gives you non-US exposure, which reduces your country-specific risk. For the remaining "growth" allocation, VGT already covers tech. You could drop SPMO as well (it's momentum factor, which overlaps with growth) and just hold VOO + VGT for US, then add AVUV + VXUS for diversification.
Throw it into QQQM and in 5 years it will be \~1-1.5 m
Ultimately you pay the tax. Deferred or not the tax man doesn't forget. The defer makes your DRIP more effective, for a time. But if you plan on DRIP you may as well just hold the underlying for better total return, and less risk. Risk of missing vertical rocket ships from your CCs. Income is sugar high. Tax free income is fentanyl. Qqqi lures you in. Looks good on paper but you will fall behind QQQM year after year. And pay more ER for the privilege.
If you ask this question to AI and or read the wiki and follow it maybe spend some time watching the right YouTube videos.....financial podcasts etc You can do it your self and avoid a lot of fees that compound over the years. Most basic advice - get broad market low cost index funds like SPYM VOO VTI QQQM VXUS VT If you mix it up with some variation of those (and no others) you will be fine. Make sure you are making a Roth if under the limit - if over the limit max a traditional 401k and keep shoveling money into taxable brokerage accounts. It is not super hard. Just takes literally a few hours of reading for the basics to make sense. Remember that good enough is good enough at 27 yrs old. If you start working out 1% for financial advisor at 27 and do so for 35+ yrs you are going to give away a lot of freaking money. If you really feel a financial advisor is your best bet this early - ask alot of questions and learn "why" and how. Then commit to learn enough to do it yourself after two years
Ive been stock heavy - because I love doing it and have been doing it now 19 years. However - I’m now forcing myself to go heavier into ETFs like (VOO / VTI / VT / SCHG / QQQM / VGT). I’ve had some huge winners - which are awesome - but I’ve also had some boneheaded losses - such as PTON, CMG, and XYZ. They all trapped money away until I just gave up and ate the loss. It’s OK to buy and hold stocks - but be careful on exposure. For me - it’s all “extra money” - rather than buy lunch or that item on Amazon - I use that money for stocks. However - all my weekly/monthly automated investments are ETFs. If I can squeeze in stocks - great - sometimes it doesn’t work that way.
VOO is only US and heavily concentrated. Use RSP for equal weight. DIA for less tech. QQQM for more tech. VEA for developed markets (Intl) and EMXC/IEMG for EMERGING markets. Or just MSCI/IEFA\VTI. Van Eck even has sector specific ETFs but indexing is king imo.
Me I used to own a hundred shares of QQQ and QQQM but I have been slowly selling all the shares in my IRA 😔 I was going to start some weird sector thing with dfus until sp500 recently announced they wont rug pool for SpaceX so I am loading up all my handy cash into VOO and SPYM. And it actually came at a good time for me cause I sold a lot of QQQM and QQQ - Thursday and Friday morning. Then Friday the bottom dropped a couple inches. So that was good
Look, I ain't buying it. I just don't know how it ends up in massive indexes like QQQ, QQQM, QQQE, and QQQLGBT+ without a serious fuck ton of money moving into a tiny sliver of a stock. Maybe they're able to do it with block trades, maybe black pools, maybe they'll do it with futures contracts, but that's a bajeezus level of money moving into an IPO.
QQQM - Long Term Thesis (3-5 Years) Currently $290.35, down 4.78% today. Lower-cost QQQ alternative at 0.15% expense ratio. Bull case: 10-14% annualized returns if Al monetization plays out, no prolonged recession, and rates stabilize. 3-year target $395-420, 5-year $475-535. What needs to be true: Microsoft/Google/Meta actually monetize AI (evidence needed by 2026), soft landing on the economy, 10-year yields stay below 5.5% Invalidation triggers: Sustained 10-year yields above 6%, forced antitrust breakups of top holdings, or 2+ quarters of -2% GDP contraction Verdict: Solid core holding for long-term investors who believe in US tech dominance. Not exciting, but historically reliable. Today's dip is noise not signal. Full 3-5 year thesis at norrisai.us — code REDDIT-FREE-TRIAL
QQQM, long term. I have a few more if you'd like?
Retail is not allowed to sit out the SpaceX IPO. SpaceX will be fast tracked onto the NASDAQ 100 index after just 15 days. This means any passively managed ETF or mutual fund based on the NASDAQ 100, like QQQ or QQQM, will be required to buy SpaceX. Retail can't sit out unless it rotates its money out of passively managed funds and into actively managed funds. The system is rigged.
Assuming we are talking about investing in individual companies the number one thing you should understand is intrinsic value and how to determine it. This gets complicated fast but the most straight forward way is using a discounted cash flow model so I would start by understanding that first. As others have said, especially in the beginning, trust us and invest in index funds. I would suggest QQQM personally. If you want to learn and invest as a bit of a "hobby" take a small portion of your portfolio ~10% and buy a collection of individual stocks. No less than 10 I would say.
If it makes you feel any better.. it’s haven’t invested for a long time and my liquid net worth was around £97,900. Wednesday I invested 22k in to SANDISK Wednesday. It stopped my 16% and hit my stop loss.. so I am at a loss of £3900 as of now. I was hoping for a 5% - 10% increase to push me to my 100k goal. But instead i lost 15% I have around £93,000 liquid right now, which I look to find index / ETF’s to put the money into now. I don’t know why o didn’t DCA. I think I was rushed Wednesday as it was closing. This has pushed me back from my goal by maybe an extra 2 months or so. If anyone has any safe ETF / index funds. Let me know please. My plan is to invest in to: VUAG or VWRL. QQQM and XLV
It’s a non event for spy holders . QQQ and QQQM holders may be a different story
Why not both? If you're more bullish on tech then higher allocation towards QQQM. Also check this post and put some in SPXL and TQQQ: https://www.reddit.com/r/wallstreetbets/s/WdzhQNf4JZ
QQQM is QQQ with a lower expense ratio and lower options volume. That's it.
Trying to figure out a little more about QQQM. What other benefits does it provide besides a lower expense ratio?
QQQ would do better, QQQM is my pick
I just put money in QQQM and it drops… rip
 This is how you should be reacting lol. Bought AVGO, MU, and EWY. If I had more money I’d scoop up SNDK, MSFT, and MRVL as well. Some good old QQQM too.
SPMO, QQQM, VONG, AVDV, VXUS, FLKR, SMH, XLK, lots of single stocks.
Alternative: invest it all into VOO, QQQM IWM etc and borrow against it at a low interest rate from IRBK, M1, RH etc. 5% interest, your portfolio easily outgrows the debt.
QQQ and QQQM holders need a beer 🍺 or a cigarette. SpaceX is either going to ruin their year or make them lots of money.
I’m just copying this from the tier1 Twitter account > $SPCX could force $5.6B of day-one buying from QQQ and QQQM alone: The IPO filing points to 555.6mm shares at $135.00, or $75.0B of IPO value. Using the IPO shares as the free float input, the low-float 3x cap would put the NDX weighting value at $225.018B.Against the current NDX base, that maps to an estimated 0.985% weight, ranking ~25th in the index. For QQQ, with roughly $473.3B of AUM, that implies about $4.7B of $SPCX buying, or 34.5mm shares. QQQM adds another ~$968mm of estimated buying, or 7.2mm shares. Combined QQQ + QQQM demand would be about $5.6B, or 41.7mm shares, equal to 7.51% of the IPO shares available. That’s just on day one from two funds.Of course, this is subject to change. Actual demand will mostly depend on where $SPCX trades when Nasdaq evaluates it for inclusion, likely around its 7th trading day under the new fast entry rules. From <https://x.com/t1alpha/status/2062560699604443396>
QQQM for 5 years and you'll make it back and then some.
If you decide to go with long-term hold QQQ then go with QQQM instead for slightly reduced expense ratio.
Should have bought QQQ a year ago, but yes I do nearly the same thing except with a bit more excitement. Look up QQQM if you're not gonna be actively trading it
FLKR. SPMO, QQQM, VONG. Probably some individual stocks, like SOUN. We’ll see what’s hurting the most in a few minutes.
Adding mostly VOO and QQQM today because I’m boring when the market gets weird. I’ve learned the hard way that trying to outsmart every headline usually ends with me donating money to someone smarter than me. Also started a small position in MPLY. Not a YOLO, not my biggest holding, just an idea I find interesting. The logic is pretty simple. A lot of people spend all day looking for the next big winner, but a huge amount of stock market wealth has come from companies that already dominate their industries and have for years. The businesses with pricing power, network effects, strong brands, and barriers to entry tend to keep winning longer than most people expect. MPLY is basically built around that concept. Whether it's Visa, Microsoft, Google, Nvidia, or other dominant businesses, I'd rather own companies that can raise prices and still keep customers than constantly chase whatever story is trending this week. The idea of owning a basket of companies that have already built economic fortresses around themselves makes a lot more sense to me than buying the latest hot stock because some guy on YouTube put rocket emojis in the thumbnail. So my portfolio is basically boring index funds for the foundation and a little MPLY because I think monopolies and oligopolies have been some of the best investments in history.
S&P has a lot of exposure to tech already may want to sprinkle in a little international total stock market ETF, and split your bulk position between S&P, Nasdaq ETF, and maybe some individual tech stocks. If you’re young you can weather the storm. Maybe 50% S&P (VOO) 20% NASDAQ (QQQM) 20% International (VXUS) 10% individual stocks.
At 28 skip SCHD. Do 70% VOO and 30% QQQM. You don't need dividends yet.
You should be 100% ETF. Try QQQM.
ETFs for sure. I just turned 18 and started recently and I definitely would not invest in individual stocks. It is hard. Very hard. I was very silly and have a very bad gambling addiction so I got burnt very hard very fast. It does not feel good seeing yourself down 10-20 percent. Personally if you’re a tech guy, maybe think about going with QQQM? QQQ is effectively the same ETF but it has a higher expense ratio and trade volume. Since you’re buying and holding go with QQQM. It tracks the NASAQ 100 which is very heavy. Or just VOO and chill. That works. Do research on ETFs. See the reasons why there’s a handful of ETFs that are so highly regarded by everyone. Spoiler: it’s because they track benchmarks and/or some sort of broad market as a whole. Obviously don’t trust a kid younger than you for financial advice but I think I’m parroting the general consensus amongst responsible investors. Personally I’m in VOO, AVUV, and a bit in DRAM. I sold most of my position in the last one though and that one is just for funsies.
Hey guys what do you think? I am sharing the percentage they represent in my wallet as of today. I have some big losses in NIO, Snap and Draftkings but I think I will just let it ride. Any tips would be super appreciated, I am 28 year old that is okay with some risk Berkshire Hathaway - 20.91% Apple - 12.89% Tencent - 8.01% Ali Baba - 7.56% Microsoft - 6.97% Google - 6.88% Mexican ETF - 6.15% META - 5.31% QQQM - 5.06% Mexican ETF - 3.69% Draft Kings - 3.49% Cash - 2.67% Lululemon - 2.11% NU - 1.59% Snap - 1.44% Nio - 1.41% Novo Nordisk - 1.23% Disney - 0.91%
Congrats on saving up 5k as a 19 year old, that is huge. In my opinion, the best thing anyone can do while they are still learning, is just invest into a single ETF. You said your interests are tech related, so maybe something like QQQM, that is a bit more tech tilted than something like VOO, the one I would recommend. The reason for this is twofold. For one, individual stock picking is more complicated than vibes. “I feel I like company X, I buy company X.” For two, quite frankly, the amount of time one spends researching individual stocks is not going to be reflected in worthwhile positive gains, for a $5k portfolio. For example, Let’s say you beat the market by %10. 10% of 5k is $500. That’s a $500 alpha over the QQQM. That’s a big win. It may not look like it in this market, but you would have a blank check salary ahead of you if you can consistently beat the market by 10%. But how many hours of research did one spend to get that? More than 10 hours? 20 hours? It is time that would have been better spent on anything else. Which is to say, look up paper trading, have fun learning about the market in a paper account, but keep your real money in an ETF. I recommend QQQM for someone at your age with your interests, without taking into consideration of your goals or risk tolerances, which are probably just, grow it and don’t lose it.
It depends on the pullback and your cost basis. If the market drops near your cost basis, a stock-by-stock evaluation can determine whether to liquidate and buy back later at a lower price. What isn’t a realistic strategy is holding onto a losing asset—that’s not how smart money operates. Why smart money constantly trims and redeploys capital and also why easier to buy sector specific ETF vs individual stocks because one stock in that sector can elevate or devastate the entire sector. Why I moved on from SPX based ETF to NASDAQ 100 based ETF and now sitting all my eggs in SOX based ETF although I'm actively trading that until this bubble pops then I'll diversify near the bottom by adding SOXQ QQQM and whatever else seems better positioned for recovery. I'm old and even I've moved on from owning individual stocks and all because I want liquidity when it's time to dump my portfolio. Wealth transfer occurs at the bottom when retail capitulates and not chasing tops with retail who FOMO clueless to what they chase. SPCE perfect example of that retail nonsense which ultimately leads to the pop which collapses most all portfolios or large chunks of it. Go ahead and explain to me how selling a portfolio isn't strategically viable but be specific vs throwing out generalities. I'm genuinely curious to why you think this because it seems many have this HODL mentality often dictated by avoiding capital taxes (not paying taxes if selling at cost basis) or fear of whipsaw (avoidable if one knows how to identify distress) and those are valid concerns yet put in the proper context they don't apply to all and why generalities don't help advance any discussion.
I'd go 60% VOO (the basics from the S&P 500), 30% QQQM (tech companies that grow fast), and only 10% SCHD (dividends), since you're already putting 2k/month into your 401k with S&P 500 and SCHD is probably too much safe investing when you have so much time to let your money grow.
Park the money somewhere safe that makes some interest for you - a high yield savings account (HYSA) linked to your brokerage account. You can also part it in several T-Bill funds that will provide interest but that are still relatively liquid like SWVXX but there are others. Invest it slowly over a year or 2 every week or month into a low cost fund like VOO/SPY (for SP500) or if you can tolerate more risk QQQ or QQQM for NASDAQ100 (though it could be volatile with several huge tech IPO hitting). Or some split between the 2. You can be fancy and buy VOO/SPY that tends to be more stable as a default but if its a down day in the market buy QQQ since NASDAQ tents to fluctuate more and some feel that QQQ gives them a little more swing upward when the markets are inevitably up when you retire in several decades. Best to setup an automated investment system. In general the key is automation with several smaller contributions over time to spread the risk and low cost funds to get the historical long term annual return of 10% the market provides over decades. Have faith in the long term market returns and don't sell on any short term fears or market concerns. Often the most difficult part is to remove emotion from your investing (easier said than done).
I became a millionaire with my business and real estate before I even started investing stocks. After my home and real estate investments were paid off, I am using stocks to grow my wealth and accelerated my contributions. My kid will be wealthy from the real estate income and if he wants my business later, I do not think I could have made as much money as I have now from stock investing. I’m sure it’s possible, but I was never that good at picking stocks. I stick to mega caps, VTI, and QQQM now. 10% of my portfolio is in speculative stocks like Tesla and RKLB
damn you taking the L on Nike and PYPL too 😞. I'll be honest never a bad idea to take profits(I usually just take out my initials and move it over to and ETF like SPYM or QQQM or SPMO)
I don't care. It's 3% of my QQQM Doesn't matter to me either way.
Gonna shit my balls is QQQM hits 310 tmr
I feel like I’m missing something - this would affect funds like QQQM but not stuff like VOO, no?
QQQ/QQQM will add in 15 days. VTI will add in 5 days. VOO/SPY will include in about 6 months instead of 1 year and will take away the profitability requirement. If you want a broad US market index fund that will not buy SpaceX at IPO you can get DFUS ETF. This is not investment advice or an endorsement. (Disclaimer: I’m invest 50% into VTI and 50% into DFUS for this exact reason).
It's all bullshit. But at the same time, SpaceX will account for like 0.1% of VOO at float adjusted market cap at expected listing in 6 months so it can't have a real of an impact. It's dumb but I wouldn't change ETF investment strategy over it. I ditched QQQM for SPYG to delay 6 months at least but with SpaceX insiders unlocking tradeable shares over a year I'm not sure the 15 day vs 6 months really makes that big of a difference.
Don’t wait for corrections. Put money into index like VOO or QQQM if you can’t pick individual stocks yet. 15% is not much. Most people would put the money in and not think about it especially if you are young. The more time you waste on trying to time it or get lucky, the worst you will do long term. Cuz the probability is against you. More than 90% of the time the stock market is bull. And no one can really know when correction is coming. So by waiting you are fighting against probability
it's a tough call, you need to diversify this with VOO and QQQM to make sure it doesn't blow in your face
It sounds like maybe you should go with some riskier investments? Not sure what else you’re wanting with this post if you really have no plan to alter your approach. I’m up 68% YTD with heavy investments in space, tech and a bit in drones. Of course it could all come crashing down, and I am slowly moving some gains into safer ETFs, but it just comes down to risk tolerance. Tbh you seem over diversified for my taste. You’d probably be better off in VOO with a bit in more growth-focused ETFs like SPMO and QQQM.
Honestly if you were just in VGT or QQQM you’d be chilling tho
I was up nearly 7x and noticed it made me look at my portfolio a lot more than usual, so I sold half my position. Put the gain in QQQM. Yes, AMD is positioned very well going into the next few quarters and probably years to come but still - taking the W felt right at this moment.
Tyvm! Totally understandable, especially on wallstreetbets. Have $2m in QQQM in my roth. I think AI will be a decade long story and this gives me the little fix I need with more exposure but still diversified. It will sit there for a long long time. Cheers!
If you like the risk, buy QQQM and call it a day. Hard to beat the market with stock research long term. It's an expensive hobby.
I’m the opposite, I went from individual stocks to mainly ETFs. I currently have VTI, QQQM (ETFs) AMZN, META, GOOG (MEGA CAP), and TSLA and RKLB (Speculative). I didn’t do that well chasing individual stocks, so I still closer to sure things.
QQQM is a Nasdaq 100 etf. It's not tech specific.
There's alot of overlap with VOO, QQQM, and SPMO. Why hold all three?
I’m 21 years old and I have about 3500 to put into an etf portfolio that will sit for many years. I am thinking of splitting it up as followed: 50% VOO 30% QQQM 10% SPMO 10% AVUV Of course I will keep investing over time, but I feel like this would be a good base to start. Please let me know how this looks. Thanks
SPMO, QQQM, SPHQ, XLV, XLU, XLP, SGOV, depending on you view of how the upcoming IPOs will affect the market. Ordered from bullish to bearish, but all 7 have positive expected returns.
Rate my 1M portfolio 60% VOO 20% QQQM 20% VGT
Sell. Buy 90k of QQQM And repeat your strategy with the remaining
Selling MSFT. It’s moving too slow. I’m going to spread it out over 4 index funds, SMH, SPMO, QQQM and SCHB.
Put the 100k in QQQM and don’t touch it/keep adding on dips until 50. This is the best advice you’re going to get.
Should put everything in QQQM and just forget it
Given your stated age, I would suggest more intentional exposure to growth sectors. The goal is simply to grow your capital. Someone mentioned an Avantis ETF and they would be a good source for quality filtered value funds. I like their international funds a lot. I would also make sure to have serious exposure to tech - call it a bubble or not - tech has dominated returns for over 15+ years now and that is going to continue. Higher fees but QQQM, SMH, QTUM, etc. Making a few extra points annually over decades is valuable to your end goal. It sucks seeing red but it will be ok. Markets come back. Recessions fade. Most people don’t take enough risk on early on.
It's good to have layers of volatility by the time you retire especially because it really sucks selling QQQM compared to SPYM during a recession. Buy SPYM and/or QQQM from now on. Cheaper than SPY and QQQ. There are always better performing etfs. QQQM < SPMO < VGT < FMTM < SMH < AIS < DRAM < etc. The difficult part when performance chasing is knowing when too much is too much. You're not going to ruin yourself selling a little of SPY over time to put into QQQM but definitely plan out the taxes before selling. If a SPY share has a short term gain, don't sell it. If a SPY share has a long term gain, that's more reasonable. Taxless accounts are simply amazing for these kinds of rebalancing.
I will buy HIVE and more of QQQM