VOO

saltandpepper96

VT or VOO and fuggitaboutit until closer to retirement.

Novalll

Never do this again. Congratulations. VOO and chill

breadispain

Selling VOO at a loss in less than a 3 month window was your second biggest mistake after buying options. Make a commitment to your position and stick with it.

Arbiter51x

Yeah but I bought VOO yesterday and im already up 1.5% in two hours and it doesn't get much better than that.

kumako10

Everyday, it's either joever or lambo. Idk if I can do this anymore. I should just VOO and chill

Turbulent-Year2663

F VOO and chill

AlmostAsianJim

Every time I get the urge to buy the chips/memory pullback, I remind myself that $VOO gets plenty of exposure to them and I buy $VOO instead.

eromynAwonKtnoDI

If my position goes break even I promise I'll find a job and just fullport VOO

carlo_on_fire

VOO

Feralmoon87

I mean you could just VOO and chill

Long_Illustrator_988

> I’m 22 and also run a business, so my thought is to use the business as the primary wealth generator and consistently move some of the profits into diversified investments rather than trying to get rich from stock picking. Exactly. QQQM and VOO already is a bet on US equities, particularly large-cap tech. "Stock picking" is probably not the easiest way to get rich, although it can work out, but if you have a successful business spending your time on stock picking is like divorcing your gorgeous wife so you can try and bag some famous model by crafting the perfect DM (as if that's going to work). What's nice about your business is you're not necessarily competing against the best and the brightest, whereas with stock picking you kind of are. Also, the guy telling you to stop thinking small is giving reasonable advice, but there are a million ways to skin a cat. Personally, I think his advice is a little too strong on something that is just one of many ways to get wealthy. I got wealthy, by the way, and I got there by being a cheap fk that built up my portfolio. I didn't sell any businesses or have any huge windfalls, I just put in the work year after year. My advice is to not listen to him and do whatever you want with your business. Your plan is perfect, you just need to execute.

FailOk1528

VOO and SPY are basically the same S&P 500 exposure in different wrappers. VOO is cheaper for long-term holding, while SPY is more useful for active trading and options. TQQQ is a completely different product—it targets 3x the **daily** return of the Nasdaq-100 and resets every day. It isn’t simply “QQQ with three times the long-term return,” because volatility and the path the market takes matter. If this is retirement money, TQQQ probably shouldn’t be treated as a core index fund.

Key_Category_8531

It's okay, this is too advanced concepts for you Just VOO and chill

Turbulent-Year2663

I will buy VOO, plz just get me to my entry position

WorldlyWar2143

I really gotta take a look at whats been working for me. My retirement port is down menially in comparison to my gambling port, and the only difference is 3x versus 1x etfs lol. Maybe I should really just sell the rip, if it ever comes, and dump it all in my 3 fund port gradually. VOO/VXUS/IWM has been kicking ass for me and I should probably just stick to that

smalltalk2k

I don't think Investing a portion of your paycheck every two weeks is dollar cost averaging. It is periodic lump sum investing. You put the money into the market as soon as it becomes available. Actual dollar cost averaging is having a lump sum of cash and intentionally holding it back to invest in pieces over time. That is market timing because you hold cash expecting a better price. The data shows lump sum investing beats DCA most of the time. ​The idea that you do not lose money until you sell is a behavioral fallacy. Your wealth is exactly what your portfolio is worth today. If the market drops, you lost that wealth. Believing otherwise is mental accounting to avoid the pain of a loss, which is known as the disposition effect. The long term effect does change though depending if it is in individual stocks or broad market index funds. Broad market index funds will recover over time where individual stocks may not.  ​The forced selling point highlights a real risk. Human capital and equity returns are positively correlated. When the economy tanks, job loss often happens at the exact same time your portfolio drops. If you hold only equities like VOO (U.S. S&P 500) and carry a mortgage, you are exposed to sequence of returns risk even before retirement. I think a good solution is not avoiding stocks. It is holding an emergency fund or a fixed income allocation like BND (U.S. Total Bond Market). That breaks the correlation. If you lose your job during a recession, you spend down the safe assets instead of liquidating stocks at a loss.

O22O

Dot.com bubble doesn’t compare to today’s ai ~~\[bubble\]~~ run in any way. You can’t compare 0 revenues by pets.com to today’s monster profits by semis. Also, that long breakeven wasn’t just because of that one bubble popping. It was the serious rate blunder by the Fed, 9/11, massive war, and even more wrong policies and decisions years over years. But crazy trillions in valuations is still a concern and market has to correct. Those who came in early, can hold out for longer. Those who are fresh like myself, will go into the red much sooner. I only joined last October and I am maybe two more red days away from going red for the third time already since October (I got 72% in VOO/VXUS), this time mostly thanks to the 10% I moved into semis this June. My lesson learned - I should have done 100% ETFs until gaining a stronger green layer over my portfolio. It’s easier to lose the profits (sad, but easier).

Jehoopaloopa

Will work until the equity markets crash and you’re -60% on VOO

Audi52

This is why I VOO and chill

farmer15erf

So if i sell my positions that gain 100% and have free money to keep invested in it that's worse than VOO?

farmer15erf

DCA into TQQQ and come out ahead of VOO regardless in the long run. My TQQQ position from a year ago is only up 28%, really sucks right now.

New_Association9786

AMD, SCHD, VOO, TSM. That order of priority

Kromting

I'm done watching my money disappear just even buying VOO. Safest bet my fucking ass

floatingostrichs

It would be pretty dumb of you to shrug off VTI/VOO and then question if you should invest in SCHD, dividend funds, or individual stocks. Pretty damn dumb.

NoChain4469

Ive just been stacking VOO and QQQ for months now (recovering degenerate) but I just have this darkness inside of me saying Yolo into meta

Not_FinancialAdvice

> Just throw it at ETF "Tiger USA 500" (SK version of VOO) and chill Instructions unclear; couldn't get my money into Tiger Management, ended up handing it over to Bill Hwang to run.

superhappykid

Freaking the fk out of what? Their -4% VOO loss?

visionarymind

I bought NVDA @ that level, was $194.50, doubled position Add some VOO too Should be fine in a coupla months, but definitely could’ve waited for 7,250 or lower if options flow & positioning stats are correct

Player1aei

if only VOO craps a lil more

Ravens3505

Never buy $VOO over $QQQ

sfriesen33

DCA VOO and chill

djh157

Agreed that’s totally fine too, there’s a lot of options out there, I’m just used to VOO.

mido_sama

Unless it’s SPY or VOO

agequodagi5

If it’s actually for retirement and you’re going to hold to that, open a Roth IRA with whichever broker you want. You can put up to $7,500 per year in that which is in line with what you’re currently able to invest. I quickly looked at the funds you posted, they’re a mix of growth, value, dividends. That’s also spreading your money out a lot when you could just go with SPYM (I’d recommend that over VOO because you can get multiple shares instead of just fractional ones and that might mentally feel better, same index tracking) and VYM if you really want dividends. Just deposit money in there and buy automatically each month, set dividend reinvestment, and check back in 20 years from now. Quick calcs from AI: Assuming $7,500/year DCA’d in (e.g., monthly installments) for 20 years, total contributions = **$150,000**. Future value at different return assumptions: Assumed return End value Growth 7% (conservative) \~$330K \~$180K 10% (long-run S&P avg) \~$473K \~$323K 11.17% (SPYM since-inception)\~$546K \~$396K

Flayum

That's why you don't pick stocks, just get the broadest non-overlapping ETFs. Why QQQ, when you could VOO? Why VOO, when you could VTI? Why VTI, when you could VT?

InvestingNerd2020

At $200k he doesn't need to gamble anymore. Just throw it at ETF "Tiger USA 500" (SK version of VOO) and chill. Let compound interest work in his favor.

djh157

Things are on sale now, don’t miss the opportunity waiting for something better and end up losing out on time in the market. Buy VOO and log off your brokerage for a while.

Kentuckyquestioner

I went from not investing and just putting everything into a savings account for the last 8 years because I didn't really know much about finances, and finally decided to learn and do some research and whatnot. Put most in VOO, and some in IEMG, VT, SPMO, XMMO, a little in bonds and a few individual stocks I liked. at the start of June. I chose almost the worst day possible, and I'm down 6%. Like I thought I was being responsible starting to invest and not gambling on daytrades or anything, and instead I've immediately lost thousands of dollars. Fuck the stock market

WorseBlitzNA

Just sector rotations VOO and chill. Still up 6% YTD

dracony

Buying VOO is a good idea but honestly this year you could have made so many bad decision with your cash. Check for example how MU stock is dropping with people buying into at 1100$ just over a week or two ago. You can deposit your money into a money market fund at e.g. Vanguard and that basically works like high yield savings at slightly higher percentage. VOO is ok too long term, 2 years+ at least to be calm. Definitely don't get FOMO and invest into some hype, your fear could have saved you multiple times 

Colaspo

real, thanks man. yeah right now i’m playing it safe and just throwing parts of my paycheck into VOO. I’m not too familiar with trading so i just come here and enjoy watching rich people lose money. :)

OdiesBalls

1. I set my 401k contributions so I will hit the annual contribution limit ($24,500 in 2026) by the last pay period of the year. 2. I try to hit my Roth IRA annual contribution limit ($7,500 in 2026) by June-July by depositing \~$1k/mo into that. 3. Pay off ALL my bills for the month so there's no CC interest accruing, while keeping enough in my checking acct to cover any automatic deductions like my electric bill or bi-annual car insurance payment. 4. Dump everything else into my taxable brokerage account, which is currently invested in 3 ETFs: VOO for growth (\~75%), SCHD for dividends (\~20%), & VXUS for international exposure (\~5%). I think I currently have too much in SCHD, so going forward I will only contribute to VOO & VXUS until I'm about 75/10/15. I'm in my mid 40's, so in another \~10 years I will switch more to Income rather than Growth ETFs. I'm not too concerned being 100% into ETFs currently, as I have a couple years worth of living expenses in a HYSA that I can depend on if the market tanks or I lose my job for a period of time. Also - I'm no expert. There's probably a better way to invest, but this is just what I've been doing for the past few years.

br0botic

VOO and chill investors still chilling

PlaxicoCN

Great. Ask those people what their criteria is for picking individual stocks. Ask them to explain when to buy them and when to sell them. Ask them if they can beat the S and P 500 (VOO) or QQQ consistently. If they actually have all that in place and can teach it to you, can you execute it properly over time? There are a lot of moving parts. Or you could just buy indexes and have most of that work done for you. The choice is yours.

Dr_G_E

Hopefully, your previous losses are just the price of a valuable lesson learned. At 21, you should be buying and holding index funds like VOO and maybe high quality large cap growth stocks. You have 40 years before you retire; use that time to your advantage. And open a Roth IRA if you don't already have one.

PaperHandsTheDip

VOO is diversified / solid (S&P 500). QQQ is riskier - tech heavy (nasdaq 100). Both those have averaged \~10% / annum over the last \~30 years.

Happy-n-Healthy

I might unload some VOO I know they say time in market blah blah I don't like getting punked

Key_Category_8531

I do both I invest in VOO in my retirement accounts, and GOOG in my taxable brokerage, that's it I also swing trade forex for some small profits with a small portion of my liquid net worth

whereismymicrowave

Down 80k on 440k port. And I’m all shares. And 60% is in VOO. HOLY FOOOOOOOOOOOOOK

Accurate-Flow8078

So this is why they say VOO and chill

bartino84

My VOO and chill aint feeling so hot today

I_work_too_much

I was down $40K and now up $6K... Just in my VOO port... What the literal fuck is this market

Efficient-Fudge-3515

The best strategy is to invest in VOO, VTI, or VT and hold for a long period of time. The strategy is so good, that it is guaranteed to make you money and outperforms 85% of financial advisors who spend their life studying the market.

InTheYuma

Stocks are called “risk assets” for a reason. The advice still holds true that DCAing over long periods into index funds like VOO or VTI is the surest way to build wealth. Calling DCAing “market timing” contradicts the basic economic distinction between investing on a fixed schedule and making decisions based on expected price movements. OPs post history tells you everything you need to know

AntiqueProfessor5134

VOO and SPY are essentially the same thing, just a matter of branding. They both track the S and P 500 (a list of 500 large US companies, can think of as the 500 largest US companies). TQQQ as you said is 3x leveraged QQQ (Nasdaq). The Nasdaq is the tech index, so it is even more concentrated in tech compared to VOO/SPY. The S and P 500 is now also pretty heavy in tech, but there is a difference between say 40-50% tech and 100% tech. 3x leverage means TQQQ is designed to return roughly 3x the returns of the Nasdaq on a daily basis. This means if Nasdaq increases 2%, TQQQ should return a little under 6%. If Nasdaq drops 2%, TQQQ should also drop a little more then 6%. Because it is more difficult to return 3x as opposed to 1x, the fees for TQQQ are a bit higher, which is why the returns will not be exactly 6% of QQQ. My understanding is that leveraged ETFs besides from the inherent risk of being 3x returns, also are somewhat worse for long-term holding, due to math reasons that I haven't really looked into since they don't really appeal to me overall, but this article goes into some of them [https://www.investopedia.com/articles/investing/121515/why-3x-etfs-are-riskier-you-think.asp](https://www.investopedia.com/articles/investing/121515/why-3x-etfs-are-riskier-you-think.asp) I think honestly if your investment knowledge is such that you did know what TQQQ is, it is likely best to avoid leveraged ETFs. If you want to keep it simple VOO or SPY should do just fine.

Spiritual-Goat-8711

VOO and chill one i recover 60% of my money

Corianderchi

The point OP is making has nothing to do with what you bought. They are making the point that when major bear markets hit and shit gets real, you may not have the choice of just holding paper losses in whatever equity you bought (could be SPY or VOO). You might need to sell your holdings in order to pay for tangible things like your mortgage, food or or anything else you need to survive in the event you are laid off and no longer have an income stream. It's a valid point.

lowguns3

VOO up 7% YTD good job boys

ManBearPig_1983

I like VOO here…

I_work_too_much

My heavy investment into this shitcoin memestock called VOO have been going about as you would expect.

Shoganai_Hito

VOO and ~~chill~~ freak the fuck out

YardComprehensive215

Every day passes and VOO and chill is looking more and more like a better option. 

Informal_Bench_7219

Almost 2 months since VOO/SPY ATH. Definitely not looking good.

Spare-Friendship-917

Hey guys I just started investing a couple of months ago. I have a question that I'm hoping you guys could help with. Currently I have MAIN and VOO each getting 200 on pay day every other week in my Roth and SCHD also getting 200 on payday in my normal investment account. If I'm perfectly honest Im still new to this and playing with the ratios but I wanted to ask would it be better to swap VOO and SCHDs locations like VOO to my normal investment account and SCHD to join MAIN in my Roth? Any help would be greatly appreciated thanks!

SirGlass

Its so funny seeing trading subs talking about the dip and the bear market , VTI/VOO are like 2.5% off their ATHs?

hadtolaugh

I’m just tracking S&P500 via VOO. The other two are good as well if you want broader exposure in US (VTI) or Global market (VT) than S&P500 provides. I have a little of the others as well, I just trust the balancing of the S&P500 more than the others for regular buys.

FartPolluter

VOO and chill crew not getting that memory gang and bag 7 is their fucking vanguard. If they capitulate fucking Coca-Cola and Cadbury's chocolate not gonna step in and fill the 2.5 trillion vaccuum this build out could create

HaiKarate

VOO and chill

LuckyNum2222

Any reason why VOO over VTI or VT? Just curious if there’s a reasoning

DappledApples

If I could turn back time and start with $10,000 I would invest heavily in any index fund that tracks the S&P 500. I like SWPPX - it's cheaper than VOO. I would not buy crypto or single stocks, or invest in my friends "genius, guaranteed to work" business idea. I also would not get a new car (depreciating asset) with an expensive payment.

daygo449

If you just parked it in VOO at 20, and you let it grow without adding/removing anything, it would be worth $452K by the time you are 60. That’s without further investing, etc. without doing a darn thing. Add &50, $100, or more, and it goes up quite a bit.

BurnsinTX

Yes listen to this and don’t listen to any Wall Street bets or other stuff. At your age I picked 5 stocks. No ETFs, just individual stocks. One of those was NVDA, in 2009. You’d think I crushed the market returns, well guess what, even with NVDA in 2009 all my other picks after that lowered my total return to roughly 10% over the past 17 years. If I would have picked VT and chilled, it would have been the same result. For those others reading it I went big into marijuana stocks in like 2019 which killed my total returns. VT, VOO, whatever just hold and chill!

JohnnyBeBlazed

This right here. Park it in a stable index fund with low fees like VOO and let it ride.

bhope95

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

Plinystonic

(37m) Professional commodity trader, moonlight day-trader with my own money. Some lessons: You will never perfectly time the market. Diversification is good long term. If you bought the ATH on S&P or VOO for example every time in the last 20 years you’d be extremely happy today had you continued to contribute, buy & hold until today. As a degen gambler myself, I’ve employed some simple rules for individual stock picks: sell losers fast (Dont be attached to the trade, if it isn’t working how your analysis projected, get out immediately even if it means taking a loss) and last let your winners ride w/ trailing stops (taking profit is NEVER a bad thing) … I’ve lost more times than I’ve been right. But I am very principled in limiting losses and when I am right, my gains offset the bad picks. This is not for everyone. I have many sleepless nights, it requires active management, like it’s a second job for me basically. It has almost cost me a divorce. So, yes, you can swing the bat, but this is the disclaimer. Good luck and god speed 🫡

Wookiee27

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

Acceptable_Gas_7922

VOO is trading sideways or down, entire semi/tech market is getting fucked.

Phareswheel68

Yeah I know. I started getting confident. Not arrogant, but confident. I was up 20% at my peak and it had only been a few months. Now I'm down 5% at least, more after today. VOO is my next destination. Even if I make less money, it will be way better for my mental health.

remilk123

I'm new to investing. Is this what a market crash feels like? VOO is only 2–3% from its ATH, but the entire AI sector is getting fucked like a stock market crash or bubble pop. I'm starting to have dark thoughts after one month of holding while everything just keeps going down slowly.

Top_Cranberry_3254

Another bloodbath tomorrow. Iran shot ballistic missiles at us so Taco is going to start something and create volatility on top of all the other stuff. Good time to buy but afraid the bottom is much lower. The scary thing is that SPY/VTI/VOO haven't even crashed yet, only Ai/Tech/Semis/Memory so far. If the indexes go, then it's going to be hell.

patricktu1258

Found the VOO boomer here

jakeisarake

Give me 1 pump tomorrow so I can get out and just VOO and chill

srfdriver99

So the usual portfolio structure is to have a "core" that represents 40-80% of your holdings and a "tilt" towards various other things to diversify further or to make a bet on some category. VOO/QQM are reasonable cores. This is fine. You said in the thread you have a personal business that you're trying to grow. **That** is your aggressive "tilt". There is no reason to make a single-stock bet. Your single-stock bet is YOUR OWN BUSINESS. Full stop. If you want to diversify your holdings in your portfolio, there are various reasonable categories: * International businesses (hedge against American downturn) * Bonds (as a portfolio stabilizer) * Precious metals (another portfolio stabilizer) * Sector ETFs for an industry that your own company's not in, as a way to tilt _away_ from that sector in your portfolio at large. * Low-volatility, dividend-oriented, or defensive tilts such as consumer staples, utilities, and REITs. But aggressive picking? If you're going to bet on anyone, bet on yourself.

FuckleUp

VOO is a boomer time warp

Airizom

I had $125,000 in VOO and $25,000 in intel; that “small” intel position made my total portfolio go down 9% completely mogging VOO

Cruian

>Steady to an etf like VOO, or others, makes sense even in lost decades like the 90’s. The 90s were great for US large caps. The lost decade was the 2000-2009 one.

SohndesRheins

Sell everything, buy VOO, add no additional money, retire at age 62 with $4.8M in inflation-adjusted dollars.

Yuri_CPL

ill buy VOO and chill why did i get into that memory shit

Fitasianwife

I know everyone knows this but the term wealthy is not defined here or in the comments. My 12 yr old thinks $1000 is wealthy-my wife born in a village in china thinks $10m os wealthy. Steady to an etf like VOO, or others, makes sense even in lost decades like the 90’s. You will achieve in the end.

UniqueAd1152

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

brown-ale

Risk vs Reward. Single stocks can be great but a reminder that there's no crying in the casino. ETFs like VOO, VTI or even VT should be your foundation (say 50-90% of your portfolio, depending on your situation)

hadtolaugh

Still an obvious buy IMO. That and VOO are my only weekly automated buys.

Vilgan

Losing 3k when you are 23 and living from home with low income really hurts. I'm sorry that you experienced this. Hopefully in the long term this will be a lesson that will provide long term benefit. When you are young, the common advice is the following: 1) Invest in yourself. Education. Skills. Training. Anything to move up the ladder faster or pivot to a higher paying job. 2) Extra money goes first to an emergency fund. Think high yield savings until you have about 3-6 months expenses. 3) Assuming debt is paid off, invest the rest in VOO. Spend your mental time/energy/effort etc on growing, learning, relationships, career, etc. Making x% on a small amount of money is relatively low return on investment. You can just make whatever VOO makes and invest your time/energy in things that will be WAY better in the long run.

Vilgan

Losing 3k when you are 23 and living from home with low income really hurts. I'm sorry that you experienced this. Hopefully in the long term this will be a lesson that will provide long term benefit. When you are young, the common advice is the following: 1) Invest in yourself. Education. Skills. Training. Anything to move up the ladder faster or pivot to a higher paying job. 2) Extra money goes first to an emergency fund. Think high yield savings until you have about 3-6 months expenses. 3) Assuming debt is paid off, invest the rest in VOO. Spend your mental time/energy/effort etc on growing, learning, relationships, career, etc. Making x% on a small amount of money is relatively low return on investment. You can just make whatever VOO makes and invest your time/energy in things that will be WAY better in the long run.

Fitasianwife

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

Gain_Spirited

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

therealjerseytom

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

Finance_EssentialsAR

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

Muy_Division

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

IputSwitchesOnGlocks

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