VGT

BogleDick

I know they say not to put required cash in stocks but I’ve kept roughly 40% of my cash to close savings in a mix of VOO SPMO and VGT - all held for years with long term gains. Went under contract on 07/27 and just liquidated today. Had to swear it out the past 5 days but I’m fortunate the gamble paid off

ralphy1010

Only reliable way I’ve found to beat VOO was with VGT…. In a bull market 

DaveyParks200

The risk is indeed higher, but the returns have been explosive. We all know VGT is a returns machine, and SMH has returned more than double VGT’s returns in the past five years.

DaveyParks200

That’s VGT if I’m not mistaken

DaveyParks200

**Ranking by 10-year Sharpe ratio:** **SMH** (2.45) **VOO** (1.38) **VGT** (1.33) **QQQ** (1.11)

IronyElSupremo

While there’s definitely some income to the subordinate companies (launch, starlink .. the latter how MSCI classifies it as communications .. “alternative carrier”), most of the value is based on future tech (or as critics put it, tales on the future of tech that doesn’t exist yet). Launch is small and starlink isn’t scalable to dense urban areas, so it’ll be a sell on trying to get colonies in space (probably mining). Then Tesla still sells cars (that’s more a function of gas price) and probably more importantly all sorts of batteries. If actually selling Tesla’s Chinese operations, the thought is a merger may be attempted. My thought is he may try to combine the remainder as a general “tech” company for the big indexes but also tech sector ETFs .. VGT, FTEC, etc..

JustBrowsingHii

So VGT? 👀

Jealous_Bookkeeper20

Using covered call funds like GPIQ for job loss protection usually backfires over a 30-year horizon. GPIQ sells call options to generate that 9% yield, which caps your upside during bull markets while keeping full downside risk in selloffs. That option income also gets taxed at ordinary income rates every year while you're working, creating heavy tax drag on growth you don't need yet.\\n\\nIf you want backup for job loss, it's cleaner to hold 3 to 6 months of expenses in a cash buffer like SGOV. That keeps your safety net liquid without forcing yield drag on your equities. Between the growth options, VGT locks you strictly into tech stocks, whereas SCHG spreads large-cap growth across healthcare and communication services too.

JustBrowsingHii

So you are saying to invest in SCHG instead of VGT?

citygeek

1) investing behavior and consistency tends to matter more than fund optimization beyond a certain point 2) you will never arrive at a satisfactory answer, as the market could choose to favor either direction in the next 10 -15 years. 3) markets go through cycles. You have to decide if you believe in mean reversion theory for tech, or that multiples have expanded and will continue to do so. That said, I don’t love that VGT (a fund and own and believe in!) and GPIQ are that tech focused. Everyone thinks they can handle a -50% drawdown….until they have to….while reading doom on Facebook and cnbc. Also, I get that income today feels good. It’s a dopamine hit. But make you fully understand tax drag and covered call underperformance…not just one year but compounded over 10 years

Academic-Ad7090

VOO and QQQM are excellent picks for ETFs. You are very young and have lot of time to compound your savings. My advice would be to focus on increasing your earnings from your primary income source, save a certain percentage depending on the stage of your life into these ETFs every month, forever. If you want to slightly diverse exposure outside of large cap & technology, consider similar index funds covering other sectors. That should be good enough. Don't think about individual stocks or even worse, options trading. That's a lot of stress which takes away your focus from your life. Just excel at what you do, improve your income, save some and enjoy your life! P. S: For those suggesting individual stocks or searching for the next big hit, think about it, the index funds adjust their portfolio to include those best stocks and leaving out those underperforming ones for you, for a very small fee. Go through the list of stocks in a fund like VGT over the years, the set of stocks which form the fund keeps changing. Why spend a lot of time to read charts, pick stops, manage stop losses, tracking target etc for that extra few percentage gains when you can use that time to spend with your family or do stuff you love. Life is short! But if you say you love doing stock picking then do it by all means but it might not be suitable for everyone IMHO.

Isaythereisa-chance

I am up $200 on VGT and down 6k on goog  

Content-Assistant849

At what point would VGT be re-labeled as a compensated risk? Historically it has done quite well. How much longer does it need to outperform to be considered compensated?

RedditLeagueAccount

There have been cycles for sure. Cycles where small cap beats large cap. Cycles where VTI beats Voo. Also cycles where international outperforms the USA. But the most recent couple of decades, I believe Voo has out performed. They are close enough to be almost irrelevant though. Same issue as VGT, market weight balancing makes the holdings very similar. Unless you have a specific point or data point. I'll admit I don't have anything on hand right now but I was going off research I did a while ago and the graph matches up. [https://stockanalysis.com/etf/compare/voo-vs-vti/?r=MAX](https://stockanalysis.com/etf/compare/voo-vs-vti/?r=MAX)

Cruian

>Also wondering when I should get out of VGT because I wanted to be a little aggressive while I'm still young. Sector bets are a form of uncompensated risk, which I would not consider aggressive. An uncompensated risk is one that doesn't bring higher expected long term returns. It should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ >An uncompensated risk is a risk that you can diversify against. * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk or if that doesn't work, the archive link: https://web.archive.org/web/20260107205255/https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, **sector,** or country. Even long term, the winners can come from far more boring areas. Tech revolutions: * https://www.pwlcapital.com/investing-technological-revolutions/ * https://www.morningstar.com/stocks/you-might-think-industry-growth-drives-stock-returns-heres-why-youd-be-wrong >50% VOO, 30% VGT, 15% VXUS, 5% NASA Why so low on ex-US? Why skip the US extended market? >Should I double dip with possibly 70% VOO 30% VXUS in the Roth, or switch to something like VTI in the Roth? I'm a total market style person, so I'd be using VTI or equivalents over VOO everywhere. Personally, 30% ex-US is my "floor" so I'd be compensating for the taxable being underweight ex-Us by having extra in the IRA (unless I was able to correct that easily).

RedditLeagueAccount

Something to lead with every post on here really - The average top performing investors are dead people. You want to set it up where you set it and forget it. That means making things simple. Not too many stocks. Avoid overlap. Diversify a bit. Roth is good. Fill that first every time. After that, it depends on your plan. Do you want to retire early? Going FIRE changes all the picks. While young, I am personally of the opinion of zero bonds. You don't need those until you are 1-2 years out from retirement, if at all. **VTI** has no point. Similar to bonds, they will be safe during a recession, but at all other times, **VOO** would out perform. Every 1 year we spend in a recession, we have 5-10 growth years. It doesn't math out. And if you are not retiring, **VOO** will recover better within a few years. **Traditional brokerage** should be safe growth ETF's unless you are planning on **FIRE**. You get taxed on dividends and cannot sell/rotate without tax penalties if you wanted to attempt that. So whatever you stick in there, generally its something you never need to sell or collect dividends on until you are 60+. So it is best to do growth ETF's. FIRE changes things a bit in the brokerage since you stop working before all the traditional retirement programs come in to support you and you would not have access to your Roth. **Roth** you *can* get a bit wild on since its fine to sell as long as you leave the money in the Roth. Not saying you should but it is safer to play around in. So you can be more risky there. I would still recommend focusing on Growth/value ETF's. Later there is no penalty to sell it all and shift into other options. I personally prefer **SPMO** to **VOO**. Grows a bit faster, if there is a drop, it drops a bit more but the graphs I looked at say **SPMO** does outperform/recovers fine. In either case, **keep in mind there is a lot of overlap** between them and **VGT** so those are not exactly diversified choices. **VOO** and **VGT** overlap by about **71% by weight** and share 36% of their holdings by number of stocks. Investing in **VOO** and **VGT** is almost investing in the same thing. (**VTI** is in the same boat btw, lots of fund overlap. No point selecting it to have a different option from **VOO**). **I would currently count VOO, VGT, and VTI, as all the same thing. Pick one of them**. **VOO** and **VTI** will rebalance if tech stocks crash. Slightly smaller profit margin, a bit more safety. **VGT** can't rebalance because its tech only. **VGT** will have a better upside if tech does not crash but has a higher risk. I personally don't see NASA going up without a major tech breakthrough. We need asteroid mining before we get mass space adoption. All the money is in AI right now and we only got real space investment to one up people during the cold war. No other countries are trying to do anything cool in space so right now its all about - do we think launching more satellites will be enough to drag the stock price up. For me the Roth is- 70% SPMO 8%- individual stocks to play with. 20% VXUS - increased it from 10% as international stuff is happening which will require growth or they fall apart. 2% bit coin - I think its a scam but the scam has lasted a long time semi successfully so far so I am getting the ETF versions with a stop loss instead of directly investing. Brokerage- 90% SPMO 10% random stuff from when I was new to investing that I haven't sold because they seem to be doing okay. It's very boring. I don't see a reason to change it until i'm 10 years out from retirement.

lanimatran

If you decide to go with that plan, I would treat your combined fund as a single portfolio and allocate them to difference places to maximize efficiency: \- all of VGT should stay in Roth to capture the higher gain tax free \- all of VOO should stay inside brokerage to capture its tax-efficiency \- all of VXUS should stay inside brokerage since it historically underperforms \- Reallocate to match your desired allocation

WhiteLotus_1776

In my Roth IRA, I do 70% VTI / 10% VXUS / 20% SCHG ….. and my wife does 70% VOO / 10% VXUS / 20% VGT in hers. Over 15 years, that’s done great for us. Pretty much the same setup in our brokerage accounts and Roth 401k’s

JahMusicMan

Since you are young, you'll be changing your investment strategy as you get older. I wouldn't sell VGT, as you probably have capital gains. Just start contributing to VOO and VXUS and Nasa only

Historical-Rate-8717

My brother in Christ by all conventional metrics VGT \*is\* aggressive. Technically speaking even 100% VOO would be considered aggressive from a portfolio construction perspective. Also becoming "more aggressive" is the opposite of diversifying, it implies you're concentrating more seeking outsized returns(alpha,) versus the index(beta.) 30% VGT is a massive tilt towards growth already.

FunkyGrowMan

Remember that... I'm holding 100 shares of MSFT along with about 1000 shares of VGT. We both want them to beat no doubt.

LanceX2

Sorry guys. I bought 500$ of VGT and VTI. Its going down right after.

BartSimpsonGaveMeLSD

70/30 split between VTI & VGT. The end.

IceHand41

I'll never be wealthy by your standards, but I will be financially independent before normal retirement age. I will also likely never buy an individual stock. Over the past 5 years, my Vanguard accounts have made 15.2% annually (initial investment has doubled), through low cost ETFs. For me that's VTI, VEA, VGT and VUG

cockNballs222

Stop doing stupid shit. Invest a set amount into an index fund at a regular time interval (you’re young and I would go w tech, VGT/SCHG). And then, don’t look, don’t touch and don’t even think about it. It’s not your money (it’s future your money). 

sssilver

Wow, you really track your Reddit threads! I eliminated all my positions with these numbers (entered positions in February 2025): |**Symbol**|**Shares**|**Price**|**Proceeds**|**Gain**| |:-|:-|:-|:-|:-| |VGT|13,360|$112.43|$1,502,065|\+$428,622| |NVDA|2,318|$196.51|$455,510|\+$155,148| |PLTR|211|$131.53|$27,753|\+$10,923| |AAPL|71|$336.91|$23,921|\+$6,979| |MSFT|38|$389.10|$14,786|–$1,101| ||||**$2,024,034**|**+$600,571**| The plan is currently to buy VTI + VXUS + AVUV once the dust settles.

HalaMadridPapaFlo

Buy VGT @ 111 Or SPCX @ 111 ?

Dragonsven

Just be patient. I would not buy gold today but I have bought gold many times and I just hold. I've also bought VOO/VTI/VGT and many other ETFS which I would not buy today. But I am patient. I buy when I buy and I hold. The most important thing is to not pay attention, it will mess with your mind and you'll make bad decisions. Be confident in your purchases and just hold. If you need the money immediately you should not be investing it.

SarahWVA4

Set this to max and even starting 70% and a decade behind, VGT (tech index) wins [https://www.google.com/finance/beta/quote/SPY:NYSEARCA?keymoments=false&comparison=VGT%3ANYSEARCA&type=line&window=MAX](https://www.google.com/finance/beta/quote/SPY:NYSEARCA?keymoments=false&comparison=VGT%3ANYSEARCA&type=line&window=MAX)

SarahWVA4

When I realized most of the gains were just tech stocks, I started buying tech stock indexes. XLK and VGT in particular. You can't buy them easily in 401k buckets, but brokerage accounts, Roth IRAs, and IRAs it's about 75% of what I own when I can direct it.

Camile_Washington

I'd first think about what kind of risk you want. VGT isn't just more risk, it's a bigger bet on tech and many of the same mega cap names already in VOO/VTI. In other words, the risk is more concentrated in one sector. Before making a switch like this, I recommend checking the ETF holdings and sector breakdown. I do that on moomoo since it helps me see whether I'm changing my exposure or just doubling down on the same names.

NegativeEfficiency95

Keep gambling with 10%, any gains over 10% put into an aggressive portfolio mix with the following VOO, VGT, XLK, QQWM, SMH, VXUS

turtle457

📉 Tesla Revenue is backward looking.Future is looking The Chart Connection: Technical Targets for VGT OOGLE AI If you are looking at this VGT chart through the lens of that same question—asking **"how far down will it go"** before the pain stops—here are the key structural support lines based on the visual data: * **Current Battleground ($113.41):** The price is currently testing the white horizontal support line drawn across the chart. It has bounced here before, but momentum is weak. * **Next Defensive Line (\~$105.00):** If the current floor breaks, the chart shows a notable consolidation area from early spring around the $105 level. * **The Ultimate Bottom Floor (\~$85.00 - $90.00):** This is the major long-term accumulation zone visible on the left half of the chart. If a true macro tech correction takes place, this is where institutional buyers heavily stepped in previously (marked by the green dividend icon areas)

Informal-Lime6396

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

__redruM

What are you buying? Maybe go a lower risk. VGT, QQQ, SMH, heck VOO. Stop gambling, start investing.

WhiteLotus_1776

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

MagJack

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

sweglordnagger

Swap BND with VGT

Joe-Exotic_

VGT

Impressive_Order60

Pretty sure if you held VGT you’d be at the same end point.

InvestingNerd2020

Technically outperforming the S&P 500 index. Hard to do with individual stocks over a 5-20 year period. High growth ETFs have since 2015, but with more wild ups & downs (volitility). Example: SCHG, FTEC, VGT, and XLK.

Informal-Lime6396

/r/ETFs VOO, QQQ, VGT, SOXX. Everything is getting hammered, semiconductors even more. The sell off has been a while so I think we are approaching bottom. I don't know when the bottom is so I'm deploying capital bit by bit rather than lump sum.

BJ_Fish2

Ahh damn. Always only do 5% of your portfolio in options. If you lose, go back to VTI or VOO or If Microsoft and apple are down a lot you can put some in VGT. Don't listen to any other fuckers. 5% Max if you lose you're done.

Interesting_Week_917

It’s alright. I don’t need to money at all, the rest of my portfolio is entirely VTI and VGT and amounts to $340,000… and I’m 24 years old. The real shame is I decided to do this in my ROTH which just fucked my tax free growth opportunity. I expected to shelter a moon 🌕 launch but actually just fucked my ROTH. Lessons learned. Life goes on. Alas.

DoinIt4DaShorteez

they mean by picking your own stocks. Owning QQQ and VGT is not "picking your own stocks"

Adventurous_Elk_4039

\>Would you have bought VGT or QQQ when it was down 60, 70, 80%? Always a good point. No one was eager to put everything into tech in the early 2000’s.

DaemonTargaryen2024

>Why do people say you cant beat the s&p No one means that literally. Every given year there's funds that beat the S&P. Over the long term it's much harder. Sure there's funds that have done it recently, but that doesn't mean they will forever. >when etfs like qqq and vgt have outperformed it for many years now? Would you have bought VGT or QQQ when it was down 60, 70, 80%? >the past 15 years So?

LearnFromOthers411

VTI or VOO, VGT, SPMO are the ETFs that rely on.

IzzmeisterSupreme

Hello! I started investing into a Roth IRA about two years ago. I was late to the party (am in my late 20s) and only have about 11k so far. Currently my breakdown by percentage is roughly: 28% VTSAX 37% VTWAX  6% AVUV 8% VGT 22% VOOG I've had pretty good yield (>20% so far). I'm trying to stay as diversified as I can by looking at Vanguard's "difference from the average" on percentage, and am a bit confused looking at overlap. It looks like I could use more mid-cap? Any general advice you all have for a noob who's had to slowly become financial literate on their own?  

Informal-Lime6396

Queue the VOO and chill crowd. I subscribe to the risk taking while young, so VOO + some sector ETFs like VGT and SOXX. Whatever you do, don't do Boglehead at 18, it's for older people closer to retirement. Don't gamble with options. Keep a 6 month emergency fund if you live alone, or less if still with parents. The rest belongs in ETFs. A good resource is https://www.youtube.com/@clearvaluetax9382, see the high view count videos first.

UnfazedBrownie

Really hope you’re not full porting and considering $MSFT with this strategy. While the company mints money, it has some erratic swings. You can open a position and keep building or go with an etf like $VGT or $QQQ as it’ll be a top holding.

i30swimmer

I’d probably buy VGT over MSFT. You still get nearly 10% exposure to MSFT.

MagJack

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

Front-Volume5906

Not an expert, but...I've put a LOT of money into Vanguard's tech fund (VGT) over the years, and have made a lot of money. Is it volatile? Yes. Will it continue to outpace the SP500? I think so.

XanALqOM00

Yeah, buy and hold VGT instead and never look back.

Apart-Selection5680

100% outperforms individual stocks over time. If your young consider VUG, VGT. VTV for non tech and VXUS for non-US diversification.

No_Ticket2438

Nvidia will be back to 230 by end of year at the absolute latest. But long gone are the 25-30% + annual returns. Not a bad time at all to start thinking about reallocating Nvidia for anyone that has shares and wants their money to not trade below something like VGT.

Autobahn97

IMO there will not big a big crash until the next time Trump makes some big decision like tariffs last year and to strike Iran this year. I dumped most of my rainy day fund money into VGT the day after tariffs crashed the market and am up 100% since then. Only had a little spare cash to buy after the Iran attack but what I bought is up nicely.

Autobahn97

Move it all to low cost SP500 ETF. At your age you can tollerate some risk and put up to half in QQQ or VGT.

SirTrentAlexander

Can anyone give advice if my investment mix for my Roth IRA makes sense? I’m 30 years old and want to be more aggressive to maximize gains. I don’t care about the ebbs and flows of losses, just maximized long term growth. My Investment Mix: VTSAX 65% VUG 11% VGT 11% VTIAX 7% VTWAX 6% I definitely want to stay invested in VTSAX & VUG. I’m thinking I might need more VTIAX or VTWAX (not both?) to stay invested in the international market. Maybe more in VUG and less in VTSAX? Again, looking to maximize long term growth. I’m more okay with going heavy on US Market versus international because I’d like to bet more on the US than the world, so don’t want to be diversified internationally just to be “safe”

JuneFernan

More disappointing that I sort of called this since the last MU earnings but didn't have enough conviction to sell at that point. I'm not about to get stuck waiting for a bounce back up though. There's too much news coming out that's destroying the bull thesis for data center buildouts. I'll be moving most of my gains into VGT, so I won't be missing out on tech gains in the long term.

Autobahn97

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

taplar

I'm curious. Does anyone employ a long term strategy of holding something like a market ETF, along with a bond ETF and an information security ETF? Thinking about random investing things, I was looking at a back testing tool to see if you held VTI and BND, how much of VGT could you have historically held to have gotten the same returns. Wondering if anyone actually puts something like that into practice. Sorta an alternative to leverage to alter the over all risk level.

HoneyBadger552

still wild how pathetic VGT is compared to SOXX. all the risk, half the gains

ralphy1010

50% VGT 50% vgt

Classic_Chapter_1503

SPMO, VGT, SCHD, FNDF. Growth aggressive growth, growth and icome international. Beta is less than voo and chill.

herefromyoutube

Tech stocks. VGT down 3% means the comes in it are down way more

i30swimmer

VGT

Informal-Lime6396

I'd research what is allowed (e.g. can't day trade) what taxes apply. The safest bet is to have s small emergency fund and their the rest in indexes like the S&P 500, sector ETFs like VGT, SOXX/SMH, etc. I believe young = take more risk instead of only safe indexes.

devops0210

Just do VGT or FTEC and you will beat the market.

First-Finger4664

I think individual stock picking is a fun and intellectually stimulating exercise, but it is something I do only with money I can afford to lose. The real wealth-building engine in our family’s accounts is a retirement fund with monthly allocations to passive indexes. Diversified index ETFs are unlikely to give you the >100% yearly returns of a lucky tech stock, but they minimize idiosyncratic risk and maximize your probability of a superior risk-adjusted return. Your net worth is significant enough that you can arguably take on more risk and accept a longer-term investment horizon (assume you haven’t scaled your cost of living up to match your impressive savings), but that is arguably also done optimally via boring passive ETFs, just tilted toward more risk (eg heaviler concentration toward VGT or VOO, or even a mildly levered fund like SSO if you have the willpower to ignore drawdowns and continue contributing them). I think the main reason to hand over your investment decisions to another person is self-knowledge that you will be compelled to trade emotionally. If that is the case, find a reasonably priced financial advisor or wealth fund manager and pay them to invest for you. But otherwise- it’s awesome that you’ve been so fortunate, and I would suggest taking your winnings from idiosyncratic risk investments and diversifying to mitigate future risk.

Autobahn97

Let your individual stock ride long but I'd say invest in SP500 going forward - just DCA IN once or twice a month (setup automatic investments pulled from your paycheck). Consider some in VGT if you can tolerate some more risk or buy it when tech dips.

MagJack

I been building AMZN data centers since before it was AWS, so I been buying AMZN forever. Got some googl and NVDA mixed in but mostly tech. VGT/QQQM/VTI in that order. I write CSPs on down weeks on big tech names like AVGO/META/SMH and have done ok

Minute_Tune_6461

I just did that this year. I made a huge mistake of selling a bunch of VTI (and paying the taxes) to try and beat the market. It didn’t work out. Things change all the time, and trying to determine outcomes is a waste of time. But I did alter it a bit. I now do 30/30/30/10 VGT/VTI/SPMO/VXUS.

p8inKill3r

Love VGT, but broadly diversified is a stretch with 40% devoted to NVDA, Apple, and MSFT

bensquirrel

RAM and CPUs have been such weird cyclical investments historically I have never invested in them. I much prefer very broad tech ETFs like VGT.

ep1032

yeah, I used to S&P500 and VGT, only to realize that that was more of a venn diagram than diversification

LanceX2

I hold ETFs only but the Beats boosted my VGT alot

TerriblePea1709

You should not be trading. just auto buy VOO/VGT/QQQM. Or just do the Robbinhood strategy’s. You need a sponsor to approve your trades lmao

nadhari12

I beat the market by investing VGT.

Used-Air-2688

At 34, you're not late. You still have 25–30 years until retirement, which is plenty of time. If your goal is long-term growth, I'd lean toward: * 80–100% VOO if you want simplicity * 50% VOO / 50% VGT if you're comfortable with extra tech exposure I'd skip SCHD for now unless you specifically want dividend income. At your age, total growth is usually more important than dividends. As for 100% VGT: it could outperform, but you're making a concentrated bet on tech. If tech has a rough decade, your portfolio will feel it much more than a broad-market fund. Personally, I'd rather own VOO as the core and add VGT around it than go all-in on VGT. It gives you strong tech exposure without betting your entire retirement on one sector.

Andrei95

Not bad for a reasonably diversified equity+real estate approach. Off the top of my head, I would guess there's probably a lot of correlation between VOO and VGT, as well as between AVUV, SCHD, and BRK.B. I would use a correlation matrix or, better yet, a principal components analysis to see how different they really are. Might be worth looking at swapping to a single tech/mega cap fund and swapping one of the value funds for a momentum or commodities option, maybe. I would ignore the just VOO crowd. That CAN work, but it leaves you with a lot of high correlation/sector concentration risk.

No_Paleontologist506

The most important thing is that you setup an automatic investment and work to increase that automatic. Either VOO or VGT is fine. Stay away from SCHD, dividends are not free money. Work to max your Roth, but everyone should have at least something in taxable, VOO is fine.

SerMumble

8% Growth: VGT 34% Core: VOO 58% Defensives/Hedges: VXUS, AVUV, SCHD, BRK.B, VNQ, XLE, VWO

Ladyvp05

I'm not saying QQQ is a tech ETF or it should be what people use as a tech tilt. However, VGT doesn't include stocks that most people consider tech such as Netflix, Amazon, Meta, or Google. Also, VGT is too concentrated at the top. Apple and Nvidia alone make up 32% of VGT.

arcanition

The short answer (from my personal experience of doing that over the past decade) is: you can, but it likely won't have a overall positive benefit on your portfolio return, and can actually hurt. Instead of trying to manually balance your portfolio by collecting individual sector ETFs (which often leads to overlapping, inefficient, or poorly optimized weightings), it is much cleaner and more effective to just buy the entire market via broad index funds. Broad index funds already contain the optimal, market-cap-weighted amount of technology, defensive stocks, and dividends automatically. That includes sectors such as "technology" (VGT). Easiest to stick to overall index funds (VOO for S&P500, VTI for broader US market, VT for even broader world market).

Fun-Sundae4060

When your portfolio is small relative to income, you can afford to be extremely aggressive. 100% VGT is not a bad idea at this stage. You can diversify later to reduce the volatility but right now diversification doesn’t really matter to you.

Corded_Chaos

Fair but If they are bullish on tech, 8% in a tech ETF is fine IMO. VGT is too top heavy for me, I would choose IXN or XLK.

ThouMayest69

Keep VGT because they believe in tech and want to overweight it? Doesn't VOO already have significant exposure? Everything below VGT does look redundant but I'd wonder why VGT gets to stick around. 

Corded_Chaos

Remove all below VGT and redistribute to VOO/VXUS

This_Salt7080

Has TTWO really outperformed other stocks in that timeframe though? Pretty sure you’d have been better off kist buying VGT, but can’t confirm

Serratix

I’m genuinely just putting my 100% into VGT in my Roth IRA currently lol. My work 403(b) is safer stuff.

Gimme_All_The_Foods

I commented about the S&P 500, not the NASDAQ. The latter is a made up index. A lot of people invest in that because they want a tech tilt and if they want that, they should opt for something like VGT instead.

DuetsForOne

Yes but if you look at correlations, like in portfolio visualizer, a lot of the non tech names have high correlations to tech. For example AMZN and GOOGL are not IT sector but have high correlation to Vanguard IT ETF (VGT) - 0.69 and 0.57. Even BRK has 0.42 correlation. Looked at 36 month rolling correlation

macbowes

Somehow over the past month, AMZN, MSFT, and SHOP have acted as a hedge against the VGT in my portfolio. Truly mysterious.

sk8505

You mean VGT? Or which one?

Informal-Lime6396

I subscribe go crazy while young, especially in retirement accounts where selling is not taxed. By crazy, I mean heavy in sector ETFs that are seeing big growth like semiconductors (SOXX, SMH) and tech (VGT). As you get older, let these run and add more to safer ETFs like VOO/VT, then bonds closer to retirement.

Joe-Exotic_

Just be simple and do 70% VGT 30% QQQM. It’s a tech heavy approach but I’m 23. Also yeah it overlaps. But hey. It works

StraightCharacter904

Keep buying the Vanguard fund (don’t stop) and keep your gold position. If you a looking for more growth in tech then I recommend either VUG, QQQm, or VGT. Save yourself the headache of trying to pick individual tech stocks. Add SCHD if you want more income and dividend growth. It is also a good compliment to any tech heave or growth fund in your portfolio. Just be aware of taxes if this is not a retirement account when investing in dividends.

Calm_Cockroach_5284

You do what you gotta do but at least put 25% of your money in something like VGT or QQQM man. I can't imagine how pissed I would be if I left my stocks in a Boglehead style 3 fund where only 1/3 of it is in VTI or something.