XLK

Striking-Block5985

That's a very risky thing to do, because it's likely the return to mean (caused by a fade) will cause the CSP to go up in value and even go ITM (if the stock gioes into a bearish trend, so one must be prepared to take delivery of stock when happens. it esp dangerous whne dealing with meme stokcs , though XLK is not one of those disasters

FranklinUriahFrisbee

There are a couple of possibilities. The S&P is up about 32% since April so some are thinking this might be a buy the rumor sell the news situation. If that happens, tech stocks will probably move the most so buy QQQ or XLK calls. QQQ or XLK calls would also be the bet to make if you were thinking that we might not get a cut at all. Finally, if you think the Fed might do a 1/2 point cut, buy puts in the defensive sectors - Consumer staples, healthcare, and utilities along with precious [metals.](http://metals.buy)

jmills3financial

By no means does any of this constitute recommendation, I see a lot of people investing in QQQ which is the NASDAQ 100. I see a lot of people who are investing in SMH, which is for semiconductors which goes right back into the AI side of things , XLK is pretty solid because that’s focused on technology within the S&Plike

SteevieJanowski

You could also go w an IT sector fund like XLK or FTEC and get good exposure to both plus MSFT, AAPL, ORCL, PLTR, AMD, CSCO, CRM and more.

jordynstrips

This is going to show my ignorance (as I mentioned I don’t do a lot of managing my own money), but would you please explain the rolling for credit a little more? Is that always an option? That would be my goal for rolling, that the new option expiration would give me time for XLK to finish OTM, or at least at a price that I can make a higher profit on. When I was playing around in Fidelity it seemed like most of the options for rolling up were going to cost me a good chunk of money. Credit sounds nice. Haha

jordynstrips

Yes, the call was sold at the end of April. And my non-retirement investments are almost completely XLK. It’s not really that it’s wiping out my gains against other stocks, there just isn’t anything else to gain in. I’d love more insight into what could be done better. As I mentioned, my dad manages most of my money (and has done mostly a very good job) but I’m trying to learn and optimize.

Substantial_Team6751

Rolling just means buying back what you have at a loss and selling another call. Looking at the option chain, you can roll to the same strike for Oct 17 for a tiny credit. That gives you another month to see what happens. You are over-trading if one trade is wiping out all your gains for months. You realize that when XLK passed 230, those gains weren't yours but you actually made full profit on the covered call trade? XLK passed 230 in May. Are you trading covered calls like 6+ month out?

sharpetwo

This is the classic covered call trap: it feels like income until the underlying rips, and suddenly you are short a ton of upside. Rolling here is basically paying rent to stay in the house you already own. You are buying back a deeply ITM call (expensive) and re-selling further out and often cheaper than you wish. Therefore you end up lock in the loss on the short call and hope the new one earns it back. You are basically short the stock, while owning it or trying to get out of the contract you knowingly sign with the market. Fine. That can work, but in your case XLK is $40 above strike, you are not rolling, you are digging. Your choices are really just three: 1/ Take assignment: you sell at 230, pocket your premium, and move on. Painful, but clean. 2/ Buy back the call: expensive, but it frees your shares. You then decide if you still want XLK exposure at $270. Who knows, it may get to 300+ by the end of the year and all of that will just be a bad dream, or an expensive lesson. 3/ Do nothing: accept you capped your gains lose your shares, and take the lesson. Rolling here is not fixing anything, it is just kicking the can at a worse price. Covered calls are best written when vol is fat and you are okay losing the shares. If you are not okay, then you should not be writing them. For what it is worth, XLK has been on a strong run, implied vol is not extreme, and the VRP has thinned. This was never the time to be selling calls hand over fist at the first place, particularly in short expiries. Good luck.

LargeSinkholesInNYC

XLK is the best.

EvictionSpecialist

Lend it to me, I'll give you 12k a year... Guaranteed Otherwise throw it down on VOO/XLK 50%/50%

EvolvingDior

I am. Also look at XLK if you trade options. No mid/small cap exposure like VGT, but a more liquid options market.

EvolvingDior

GLD and XLK beats either GLD or VOO.

W-Sensei

VTI/VOO, XLK (tech), SGOV, EZBC/FETH

Zerkron

My portfolio is 100% tech and I have no regrets. You can choose the NPC way of going all in VOO, or you can actually make more money just as safe with SMH, XLK, etc. Try individual stocks too, DYOR.

EvolvingDior

XLK

sharpetwo

Everyone wants the perfect csp ticker but the truth is you are not picking stocks: you are picking volatility regimes. When you do them, you basically sell crash risk insurance. You want names where: \- IV is rich relative to realized (variance risk premium exists). \- Indeed, liquidity is deep enough to get fair fills. \- Fundamentals are stable enough that a 30% gap does not wipe you. That usually points less to single names and more to index ETFs (SPY, QQQ, IWM) or liquid sector ETFs (XLF, XLK, XLE). You get diversification, tighter spreads, and you are not betting your account on whether some CEO go have a little fun with his head of HR. If you insist on single stocks do it data-driven: screen for names where put skew is elevated and the market is paying up for downside insurance. Starting by looking at how expensive IV versus RV is always a great place to start. If you can't do it in a data driven manner, you need to sell CSPs when the market is paranoid, not just because a stock sits on a watchlist. But if the market is paranoid, the risk is also probably there for a reason.... The edge in csp is not “finding the magic ticker.” It is in position sizing, premium vs risk.Then comes discipline on rolls/exits. But without that, the ticker list does not save you. Good luck.

Dstein99

That depends on what you consider high risk. General advice is something like VOO (the S&P 500), it’s the 500 largest companies in the US. Some people will consider it high risk because it’s no bonds and all US companies, but this is spread out across 500 large reliable companies that it’s generally sound advice. If you want higher risk you can try something like XLK (Technology sector etf). This is more concentrated into an area and will generally move up or down more than the market as a whole. Third would be individual companies. Just know that high risk does not necessarily mean higher return. There are a ton of stocks out there that people will pitch you in the comments that have high risk and a very low probability of return.

old_Spivey

Halt die Klappe! Felix is a brilliant guy with a fantastic personality. His ideas are very sound and can lead to substantial gains. As another poster stated above, he does find good investments before some of them really take off. The wins far exceed the losses and if you set stop losses, you will continue to gain in a bull market. If it is a volatile stock you can't set the loss at the buy point or you'll likely get kicked out of your trade. You have to take some risk, usually 5-7%. If you lose that 5-7%, you chalk it up to the cost of business and let it be offset by your other trades of 10-20%. Diversification is also key, although paying attention to the moving sectors will help a lot.( I personally watch the XL funds: XLE, XLF, XLV, XLK etc) I have not paid for his GOAT Academy because I don't have the funds for it now. But I do enjoy his erudite humor, his pets and the approach he takes. Like others who have stated before me: if you don't like it, don't watch. What miserable wretch expends their energy trying to find fault with someone they supposedly don't care about?

1973Hog

Invest some time and a LITTLE money into education. Watch out for all the hucksters out there trying to sell you their "System". If you don't want to actively trade, look at Dollar Cost Averaging. We have out 35 YO unmarried son in SPLG/VOO, VGT/XLK and GLD. You could go with VTI, but I am not convinced that International investments will outperform the US ... at least that is my experience since the mid-90s. Of course, the markets could most definitely not perform as well over the next 10 years as they have the last 10. Historically, we have had long stretches (months to years) where the markets were declining, but employing a Dollar Cost Averaging approach would have worked well IF you had enough time to regularly add money to a Broad based ETF and did not try to Time your investments. If inflation hits hard (as the high debt levels lead me to believe), then owning assets that appreciate like stocks, real estate, etc are the way to go. Best of luck in your journey. Do NOT give up. All successful traders and investors have had their failures and mistakes. You are not alone.

bornofsupernovae

XLK is up 13%YTD XLP is up 1%YTD The tech trade is still on.

Zwonder74

mid october puts on QQQ or XLK

pandadogunited

Use an actual tech fund like VGT or XLK. QQQ is only 60-70% tech, and it’s fully possible for that percentage to fall. They also have lower fees, even if the difference is marginal.

EvolvingDior

The question is "underperform what and by which metrics?" The strategy for 50/50 XLK/GLD outperforms holding VOO or SPY by all metrics I use over multiple overlapping timeframes: total return, Sharpe ratio, and Sortino ratio. Will it underperform 100% XLK? Sure, over certain timeframes. But the drawdowns are crazy, resulting in underperforming for certain timeframes. The Sharpe and Sortino ratios are worse. Give [https://www.portfoliovisualizer.com/backtest-portfolio](https://www.portfoliovisualizer.com/backtest-portfolio) a try. It's the best tool I have found for getting a feel for how rebalancing uncorrelated assets works. Their portfolio optimization tool and monte carlo simulation tools are pretty cool to play with as well.

EvolvingDior

So, yeah. True. But I started with ETHE and it doesn't really have history. But do the backtest yourself on XLK/GLD. It has even better results for 10 years. 3.5% better than SPY. The problem with backtesting is that it cannot account for the addition of new asset classes or changes in domestic or international law which permanently alter asset class performance.

EvolvingDior

Nothing juices a portfolio like holding gold and rebalancing frequently (for example when any allocation is off by >3%). The Sortino ratio for a 50/50 ETHE/GLD since 2020 is 5.7. Hell, since 2021, arguably the worst time to have bought Etherium, it's 1.28 with a 50% annualized return. SPY is 1.09 at 13.7%. The Sortino ratio for 50/50 XLK/GLD since 2021 is 1.61, beating SPY's annualized return by 2% with a 4% lower max drawdown.

sharpetwo

You’re not kidding yourself and congrats for finding out about the wheel’s dirty little secret: the trade looks great when you’re selling CSPs or slightly OTM calls, but once your CC goes deep ITM, you’ve basically morphed into a stockholder who’s leasing away upside for pennies. That’s why it feels like “even Steven.” Right now you’ve got two paths, and it comes down to how you want to play expectancy: – Keep rolling: sure, you’re still pulling in yield, and you’ve got a fat buffer under you. But the juice shrinks the deeper ITM you get. Eventually the call is just synthetic stock plus a loan you’re writing for not much premium. That’s a lot of effort for very little edge. – Take the assignment and reset: this is often the cleaner play. You lock in all those gains, free yourself from the grind of trying to roll thin premiums, and redeploy into fresh cycles where VRP actually pays you. Rolling isn’t wrong, but don’t confuse “grinding 8% annualized” with “beating the market.” You’re basically long XLK, capped, and being drip-fed yield. Nothing wrong with that in a Roth if income was the whole plan. But if the point was to juice returns, then freeing capital and starting again probably gives you more bang for the buck. The real question isn’t whether you “lose” by letting it assign, it’s whether the capital tied up in that ITM cc could be working harder elsewhere, or the timeless opportunity cost dilemma. Good luck.

LargeSinkholesInNYC

I tend to just buy it after when there's a correction of 10-15% when the stock is at an all-time high. That's what I did with AMZN and I got like a 10% profit from it, which I reinvested into XLK.

Recent_Register_2952

Honestly probably XLK

No-Consequence-8768

Unfamiliar with some of those but here. XLK is a growth fund for me. Yet SPMO I think is great during both BULL & Bear markets. I type this and see you can't upload a Chart. PM if like to see TR of all.

FlounderComplete3644

Chips are at the core of AI. You got to ask yourself: Is AI going to continue growing or is it going to die on the vine? We might be in an AI bubble right now and see a big short term correction. Long term there is no way the AI Genie is going back in the bottle. Just my opinion. BTW: A similar alternative to FSELX is the ETF —>>. SMH. I own both as well as XLK. As mentioned it might be foolish to go all in on FSELX but it might be wise to have a healthy position.

SnS2500

Given what you said, I'd suggest coupling VOO with IGM (as opposed to XLK and VGT). IGM is broader tech than XLK and unlike VGT (and XLK) it holds not-technically-tech META, AMZN, NFLX and SHOP. Having some SMH on top of that to be heavier in semis is fine too. XLF is a good choice to be heavier in financials. Also check out EUFN as something to consider holding in the current environment.

vodkapickl85

Just buying boring ETF's XLK, snagging share #67 If you DCA, being at ATH's doesn't really matter.

Mundane-String180

Honestly, this is fairly complicated and you shouldn’t take this advice as absolute. I’d start by holding less tech for example, remove QQQM since SCHG and VOO do similar things, and all three together add only small benefits. For most investors, VOO or VTI + international like VXUS is highly recommended by me and most experts as the two main ETFs to own. After that, the rest of your ETFs are optional and it’s your choice to own more. If you want technology, something broadly diversified in technology like XLK or VGT works well. If you want small-cap value, AVUV or VBR are probably the best. I personally like small-cap value, but if you prefer something else, choose a good ETF for that sector or factor and buy some. However, in most cases, VTI/VOO + VXUS should be your main ETFs in most scenarios at least.

TheInkDon1

Yep, the strike that's at 30-delta (or less) \~30 days out. I don't trade "extremely volatile" stocks, and maybe you shouldn't either. At least not for the PMCC. Because really, most of the gains are to be made in the appreciation of the LEAPS Call (think doubling or more in a year). The CCs are just gravy. And if you don't know: ***a Call holder won't exercise if there's ANY extrinsic value left in the option.*** (Barring "dividend capture," you can look that up.) Because to do so would be to forfeit that extrinsic value. So if you're selling 30DTE, you have plenty of time to react to a big move in the underlying. Pick a volatile ticker and go look at a somewhat ITM Call about 2 weeks out; see how much extrinsic value it has? The Call holder/owner would forfeit that if they exercised. Anyway, you don't high IV to make money with the PMCC. Think boring things like XLK, XLU, DUK, EXC, MSFT.

sirporter

Here’s some great advice: if you have to ask strangers on the internet, buy VTI or XLK or SCHG or whatever

TheInkDon1

I second u/DennyDalton's recommendation of buying high-delta LEAPS Calls on companies or ETFs you like. Do you think NVDA will be higher in 2 or 3 years? TSM? SOFI? WMT? How about ETFs like XLK or IGV? Maybe gold via IAU or GLD? If you do, then buy a Call at 80-delta or higher, and a year or more out. 2 years is better, and 3y better still if those are offered. You'd still be investing in, say, NVDA, but with a *stock substitute*. A 2.3-year out 80-delta NVDA Call (the Dec'27 145C at 69.95 Midpoint) would give you 2.1x leverage to Nvidia. So if you like the last 6 months' 40% gain, you'll like it even more when your long Call goes up 84%. Do you sell Covered Calls now? You can sell a Call against a Call you own. It's a Diagonal Call Spread, also called the Poor Man's Covered Call when the long leg is at least a year out. Sell Calls at about 30-delta, about 30 days out. Buy to close when they've lost half their value. Or roll up and out if challenged. PMCCs are all I do now, using the leverage of LEAPS Calls to amplify moves of stocks & ETFs. The CCs are gravy on top. Have fun!

LaPulgaAtomica87

Why VGT over XLK?

pandadogunited

QQQ has shitty selection criteria. What exchange a company chooses to list on is immaterial, and a frankly stupid way of choosing what companies to invest in. If you want tech, invest in an actual tech fund like VGT or XLK. If you want growth, invest in an actual growth fund like VUG. If you want mega caps, invest in a mega cap fund like MGC.

peterinjapan

I wonder how old you are? I am 57 years old, but don’t know any bonds. A third of my portfolio is managed by me, presumably paying attention to trends that are important so I’m in gross stocks like SCHG and momentum like MTUM/SPMO. I also swing trade in my IRA. The rest of my portfolio is managed by a smart manager who keeps me in ETFs like SPYG, VOO, XLK and XLC.

jonats456

ETFs are serving me well (VOO/VTI + XLK, VUG/QQQ) as my core ---with a mixture of mega tech stocks + WMT, COST. Built these overtime using DCA, then rebalanced when needed, and buying even more when markets tanks. Makes me sleep well at night.

erov

Some of my biggest returns were buying XLK in April.. its still had great returns.

ruler_gurl

I'm in a similar position, short 220 CCs on XLK. I've already rolled half a dozen times. I've decided that so long as I can keep rolling for approximately 10% apr, I'm better off continuing this in the expectation that things correct back down again. Maybe I can close it cheap if it does The alternative is letting it assign, and if i do that there is no way I'll be able to sell 220 CS puts for more than a few cents. As the price has increased farther and farther from my strike it's gotten harder and harder to roll for a decent premium though. I was getting 2-3 points per month, but now I'm having difficulty getting 1.5 points per month. It's still better than what I'd get in money market, but not by much. What I refuse to do is to chase the underlying.

tropicsGold

That looks solid. There is a lot of tech, it’s actually a fairly aggressive build, I don’t know why they are saying it is boring. Esp with a good chunk of Bitcoin. Very similar to me, so I guess I am biased. I just started to play with TECL, a leveraged XLK (x3). Very dangerous, but potentially quite lucrative. And I like VOO since it is very inexpensive, very low management fees.

C2theC

XLK

ContextZealousideal

Respectfully disagree. Monetary policy is nothing like what we had with Alam Greenspan. Mag-7 stocks are not grossly overvalued and it’s debatable what “fair” value is. Price to cash flow, PEG ratios and other metrics are reasonable. If your thesis is that a 2000 like tech crash is coming, you ought to short the XLK and ride off into the sunset. Let us know how that works out for you.

Krishna_Trading_

This is a sharp take, and the chart plus fundamentals fully support it. You're ahead of the curve, and most retail (and even some institutional desks) are still locked into a zero-sum mindset where AMD must “beat” Nvidia outright to be worth a rerating. That’s not how disruptive parallel adoption works. Sales growth: AMD is growing at 20%+ YoY, and EPS next year is projected at 5.92, up from 1.36. That’s a 335% jump in earnings power, the market will not keep pricing that at a 30x forward PE for long. Gross margin of 45.15% and a debt/equity of just 0.08 shows strong operating leverage and capital efficiency, especially in contrast to bloated peers. ROE of 3.90% and ROA of 2.30% look low now, but if even half your thesis plays out, those metrics will scale aggressively by 2026 as open-source traction compounds. Held by VTI, QQQ, SPY, XLK, SMH, SOXX, VGT, institutional exposure is deep, and this sets the stage for rotation when fund managers reweight AI plays post-Nvidia euphoria. You’re looking at a near-parabolic channel breakout, and 50M avg daily volume suggests real demand. Even with today's red candle, AMD is up +29% this month, +50% this quarter, and +105% YTD. RSI is hot at 76.92, but that’s typical before big repricings. Look at MSFT in early 2023 for the same setup before it launched. From The Innovator’s Dilemma to Crossing the Chasm, we know disruption rarely starts with a knockout punch. It starts where incumbents aren’t looking, open-source flexibility, sovereign autonomy, cost-sensitive AI stacks. That’s AMD’s wedge. And it’s not just theoretical: Meta, MSFT, and Oracle testing AMD accelerators in their AI workflows is a big deal. These aren’t just dev kit trials, they’re vendor hedging at scale. Geopolitical de-risking is not a sideshow. European and Middle Eastern governments don’t want to build national AI capacity on Nvidia’s closed ecosystem. Startups need modularity. With AMD offering open toolchains like ROCm and growing PyTorch integration, there’s a bottom-up movement building, same way Linux eventually dethroned Unix. Investors still pricing AMD like it’s a sidekick in the AI race are missing the macro and micro drivers. It doesn’t need to win headlines. It’s winning adoption velocity in exactly the segments that create structural longevity. This isn't a trade on hype. It’s a re-rating play on silent architecture-level disruption. Well said and well spotted.

MarkM338985

IWR, XLK, SPY, 1/3 each, not very diversified but possible reasonable gains.

holdmysugar

XLK

kindofblue603

Take a lesson from the stock market in the year 2000 (peak of the internet stock bubble) and what did well from 2000-2003 during the tech crash. Rotation into more value-based stocks in Finance, Energy, Utilities, and Health Care. Check out the holding lists from value-tilted ETFs like MOAT and SPGP to get some ideas. During a rotation to value, you can never go wrong with BRKB-its already on the upswing. If you want less risk than individual stocks then try the sector ETFs of XLF, XLE, XLU, and XLV. Looking at the ratio percent change of XLK(technology sector) vs XLV(health care sector) over a period of time can give you an idea of how much rotation is going on into value. This past week (7/26) the ratio is over 10.

Odd_Onion_1591

Just start selling weekly covered calls that are far enough but yield good dollar 💵 then, when get assigned, buy XLK or VOO

MrG

From a research firm: > The markets have been grinding higher over the past couple of weeks as investors are becoming increasingly optimistic on the global economic outlook. We have seen hotter-than-expected US inflation prints and other market headlines that normally would have triggered a sharp sell off, but we are currently seeing a relentless bid for stocks. This resilience likely reflects underlying demand from investors who stepped away during the April pullback, moved into cash or bonds, or rotated into international equities. Now, many are gradually moving back into US stocks, contributing to the persistent upside pressure. Earnings season is upon us, and in this market update, we want to talk about early signs of froth in the market, and some bellwethers that we are watching. > Early Signs of Froth? The FOMO Trade >In recent weeks, we have been noticing some early signs of froth in the markets, particularly through a shift in market tone driven by a resurgence in thematic investing. This is loosely defined by an increase in investor risk appetite, as themes like drones and defense tech, crypto, space exploration, AI data center infrastructure, and quantum computing are gaining strong momentum. This is not to say that the momentum can’t continue, or that there aren’t valid reasons behind the moves, but clearly, animal spirits are returning. Historically, we have noticed that these types of environments often precede a “melt-up” phase in the markets, driven by a consistent bid in risk assets as cash flees from bonds, high-interest savings vehicles, dividend stocks, and defensives like consumer staples names. > What We Are Watching > Melt-ups, periods of narrative-driven investing, and a risk on appetite are generally periods where investors can see large unrealized profits, and this is where we like to remind investors to watch position sizing. As large-cap, blue chip names may rise steadily, higher-growth and more speculative stocks can significantly outpace, leading to overconcentration in riskier exposures. This is where it becomes vital to keep an eye on portfolio weightings, and how much of one’s portfolio is ‘out the risk curve’. While we do see some signs of early froth, we do believe that it is still early, and we feel there is more upside in the markets from here. Although, the environments where narrative-driven investing and risk appetite increase are historically associated with late-cycle behaviour. If we are in the early parts of a melt-up, there are a few bellwethers that we are watching to help indicate how far along we are in the cycle. > 1. Risk-On / Risk Off: Tech vs. Utilities (XLK/XLU) > In this chart, we are looking at the relative performance of the US tech sector (XLK) to the US utilities sector (XLU). The tech sector is well-known for its high-growth properties, whereas utilities are known to be more stable and defensive. We can see a few noteworthy items in the chart, the first is that the relative performance (top pane) has areas of support where this marked a bottom in the broader markets. We also note that the broader markets, the S&P 500, traditionally has not made a cycle top unless the relative performance of tech to utilities has made a new high. So far, the tech/utilities relative performance has not made a new high since early 2024. This helps indicate to us that there is likely still upside potential in the broader markets. >2. US Regional Banks > The performance of US regional banks (KRE) is often a telling barometer of risk-on sentiment in the financial markets. When regional banks make new highs, it typically reflects broad investor confidence in the real economy, credit conditions, and liquidity. Regional banks are closely tied to credit cycles, and strong performance indicates that credit is flowing. Historically, we have seen cycle tops take place where the US Regional banks have made a new all-time high. So far, we have yet to see this happen. The recent trend for regional banks is up and to the right, but they have not yet made new highs. This is another indicator to us that risk appetite can continue to improve. >3. US Small-Caps >The Russell 2000 (IWM) tracks 2000 US small-cap stocks, and this index is one of the most sensitive gauges of investor risk appetite. When small caps outperform or break to new highs, it typically signals broad-based optimism about growth, earnings, and liquidity. So far, the small-cap index has not made a new high, and again, this gives us an indication that risk appetite has room to increase. >Overall, it is difficult to discern if we truly will enter a melt-up period, but we believe we are seeing early signs of a melt-up market, and these periods tend to be associated with lots of opportunities in the markets, but also reason for caution and watching individual portfolio weightings. We believe this is where it becomes increasingly important to ‘pick spots’ in the market to allocate capital to, and to watch for any sector or individual stock overconcentration’s in a portfolio. The markets are a function of risk and reward, fear and greed, and this is where it becomes critical to be hyper-diligent in portfolio composition. There is always a bull market somewhere, and we feel that there will be lots of opportunities ahead.

Wowmuchrya

I love how all these clown banks like GS are telling people to short XLK/Tesla/Nvidia and they're out there buying every micro dip with everything they have. Believe everything everyone says!! Retail big dumb haha!!!

foolproofphilosophy

I’ve been VOO/XLK 80/20 for a while and it’s still rocking. XLK is different but still tech. Yes there’s some volatility but I’m a ways from retirement.

jacknhut2

Have 3-6 months of emergency fund in a high yield savings or treasuries. Then put the rest in an index fund with growth as focus, not value. You are young, you have a long horizon, growth etf such as SCHG, QQQM, XLK, VGT will outperform value etf 100% in the long run. Even if you invest at the worst possible time ie the dot com bubble 2001 or the peak of the financial crisis 2008, you will still outperform any value etf today if you put your $$$ into any of the growth index fund mentioned.

W-Sensei

50k index fund (VOO or VTI) 20k tech fund (XLK) 10k crypto 20k fuck around to get to know investing more Any new money, feed the two funds which should be left for decades while also taking risks (you're young) with some fuck around play money as you get to know investing more.

Equivalent-Coat-7605

That stock moves way too violently on news. So VOO and XLK are my only exposure to it.

Cryogenx37

You still got half a milly, just buy ATM LEAPs of $SPY and $XLK and don’t worry about it

Wretchfromnc

just buy a tech ETF and let the investment firms find the best companies to put in the fund. XLK, VGT are great tech ETFs.

zigtrade

Downturn? You mean the one where XLK is sitting at all time highs!?!

Vashe00

I have puts on XLK that I hope will be printing

peterinjapan

The guy who manages most of my money has me in solid things like VOO, XLK, SCHG. I swing through my IRA. My current top holdings are EWP (Spain), SPMO (amazing momentum etf), EUFN, VIRTUAL and COF.

Coffeewin

Closed out all AMZN and NFLX PCs for massive gains. Entering more AAPL shorts with ITM CCS. QQQ making new highs but one of the largest components in XLK is struggling to stay afloat above $200

EvictionSpecialist

10% F around budget. 90% VOO /VTI/XLK

MrT_IDontFeelSoGood

And my XLK and Euro plays hehehe

DietFoods

XLK already at new all time highs for a while now. That don't happen before the start of bear markets. Usually it would be XLP breaking out while the S&P continues up and technology lagging.

Comfortable-Dog-8437

I actually stopped buying those two individually and just decided to get XLK instead.

ruler_gurl

Have you consulted the options chain for VOO? You should be able to gauge from looking at it how feasible it is. In the first place just writing CCs isn't going to be a perpetual income machine because eventually it will assign unless you're selling far out of the money calls with minuscule deltas. The premiums you're going to get for such improbable options will be anemic and fall well short of your goals. So you need to learn about cash secured puts and running an options wheel. With a wheel you can not fear assignment and simply turn around and reverse course when it inevitably happens by selling cash secured puts. You probably could net out 10k per month this way. But even this well oiled machine will stall out if the market crashes. I think VOO's around 550. Say you sold 540 puts and it crashes to 400. You'll be assigned at 550 and now be 140 points in the red. Although you could certainly turn around and sell calls it won't be anywhere near a 550 strike. So you'd have to sit and wait for it to come back just like any long stock holder. Don't go anywhere near the options market with your entire nest egg. If you want to learn to run a wheel do it with 100k fun money and see how you do. I also suggest not doing this on VOO. First the options interface on Vanguard is awful, and the premiums and trading volume on VOO aren't great. SPY seems better. There are far more people trading options on SPY. I use one of the mini SPDRs, XLK as it has great volatility, and is half the price of SPY. I'd love to know why this very beginner question didn't get flagged by automod when every question I ask does get flagged, and they are nowhere near so rudimentary.

Zerkron

Sell signal? XLK today: up 1.6% 30 mins into market open. Buy, buy, buy.

JellyfishOpening

I put 26% of my annual income into my Roth 401K. Fill up the max $23.5K 401K limit, then the rest goes into Megabackdoor Roth. Mostly put it in a variety of ETF's (QQQM, XLK, SMH). I also have a rental that I put any after-tax rent (2k/month) into a CEF (BST) that pays a monthly dividend at an 8% annual rate. Trying to generate some additional stream of cash.

Degen55555

Terrible advice. u/Asap316 , you'll be fine with what you already mentioned voo/qqq/qqqm. Whatever you do stay away from JEPI and JEPQ |Ticker|Sharpe3Y|Sharpe5Y|Sharpe10Y| |:-|:-|:-|:-| |VOO|0.61|0.82|0.73| |QQQ|0.76|0.78|0.86| |VGT|0.71|0.79|0.91| |XLK|0.68|0.82|0.93| |JEPI|0.34|0.75|0.00| |JEPQ|0.67|0.00|0.00| |FTEC|0.72|0.80|0.90| |SPMO|1.00|1.01|0.00|

holdmysugar

I actually did this with a 4% SBA loan. Invested 50% in BITB, 25% SPY, 25% XLK. it's going fine so far, and I have no doubt by the time this loan is paid off in 15 years it is going to be well worth it.

Futurist29

Robinhood was the first to allow small investors (under $1,000) the opportunity to invest. That was good. The problem was that Robinhood never bothered to educate customers, and even allows customers to invest in risky investments without warning. With something called options, you can lose everything, and people often do. Robinhood was fined steeply for this, and yet they still violate the law. Fortunately, investors no longer need to use Robinhood. Small investors can now use most trading platforms, like Fidelity and Charles Schwab. They protect you from trading options, and they offer free investment advice. All Reddit investors need to understand... You need to ***educate yourself***. And asking other people on Reddit does not count. Use the free advice from your trading platform. Ask lots of questions. However, don't trust all the answers. People make mistakes. If you're not already doing it, you should ask your questions to ChatGPT or another GenAI tool. Before you invest a penny, ask questions, but then keep following up. Ask more and more questions, until you understand the risks. Hint: You shouldn't be risking money you can't afford to lose. With gambling, you can expect (over time) to lose money. With educated investing, you can expect (over time) to make money. Unfortunately, some forms of "investment" (like options) are really gambling, not investing. You are more likely to lose money. To get started, ask ChatGPT about index funds, most notably SPY, VOO, QQQ, and XLK.

Futurist29

Robinhood is guilty of a number of things, but market manipulation is not one of them. This refers to when runaway stocks like Game Stop have to halt trading. For financial reasons, they absolutely \*\*\*had to\*\*\* stop trade. It was not a choice. Yes, some people were upset that they couldn't get in on this "free money", but they were actually doing the public a favor: This wasn't free money. People \*\*\*lost\*\*\* serious money as well. This post shows the \*\*\*real\*\*\* problem with Robinhood: It doesn't educate its users or sufficiently provide encouragement and resources for education. "does-it-mater" read other posts and got upset, but a little research shows the real situation and why it was necessary. Please: Robinhood investors and other investors: Don't take the word of other Reddit users when you get a lead. People have made that mistake for more than a hundred years...way longer than Robinhood has been around. Do the research. Nowadays, research is easy. First we had Google. Now we have ChatGPT and other GenAI tools. Ask ChatGPT your questions, get answers, and read them carefully. Then ask more questions. And more... Until you fully understand what you're investing in. Start by asking ChatGPT about safe investments like index funds, most notably SPY, VOO, QQQ, and XLK.

Futurist29

Robinhood is how small investors can invest. That's good. Robinhood doesn't educate customers, and allows customers to invest in risky investments without warning. With options you can ***lose everything***, and people often do. They were fined steeply for this, and still violate the law. You need to educate yourself, and ask people on Reddit is not how to educate yourself. If you're not already doing it, you should ask these kinds of questions to ChatGPT or another GenAI tool. Before you invest a penny, ask these questions, but then keep following up. Ask more and more questions, until you understand the risks. Hint: You shouldn't be risking money you can't afford to lose. With gambling, you can expect (over time) to lose money. With educated investing, you can expect (over time) to make money. Unfortunately, some forms of "investment" (like options) are really gambling, not investing. You are more likely to lose money. To get started, ask ChatGPT about index funds, most notably SPY, VOO, QQQ, and XLK.

Degen55555

not so hot for 10yrs out |Ticker|Cumulative Return|$10k Invested|Years|CAGR| |:-|:-|:-|:-|:-| |SMH|825.51%|$92,551|10.0|24.92%| |VGT|513.35%|$61,335|10.0|19.89%| |XLK|506.66%|$60,666|10.0|19.76%| |BRK-B|251.54%|$35,154|10.0|13.4%| |SPY|233.61%|$33,361|10.0|12.8%| also not so hot for 15yrs out |Ticker|Cumulative Return|$10k Invested|Years|CAGR| |:-|:-|:-|:-|:-| |SMH|1,956.16%|$205,616|15.0|22.33%| |VGT|1,220.06%|$132,006|15.0|18.77%| |XLK|1,207.66%|$130,766|15.0|18.70%| |SPY|607.50%|$70,750|15.0|13.93%| |BRK-B|595.93%|$69,593|15.0|13.81%|

Affectionate-Idea690

Lastly AVgo in the XLK club...

z3no123

The answer is so simple. Sell. Immediately buy QQQ or XLK. Upside doesn’t stop, you’re still invested and will benefit from more market upside with less risk. Or retain a small portion of PLTR if you really like the company and rest in QQQ or XLK.

ace_OO7_

I’m not a big fan of tesla and I dumped my only defense stock, Lockheed Martin. Costco is good. I got the idea for it from Charlie Munger. I bought a very small handful of shares a while ago and it’s up about 70%. They are still adding new stores and it’s an international company. They have stores in several countries. I have a bunch of VOO, VIG, and am building up a position in XLK. I had some SCHD but after learning how to analyze companies I realized they are mostly terrible companies and I dumped the entire position at the bottom of the tariff panic to buy other stuff. I have a small number of other individual stocks too most of which have treated me very well. I don’t really have any plans for adding new stocks, just adding to existing ones when I can get a good deal. I also have a bunch of TBIL. I’m kind of ADD when it comes to investing.

holdmysugar

I'd invest 50% ARKB, 25% SPY, 25% XLK and just chillax and watch it grow.

AdministrativeSpot93

Critique my portfolio (long term) 6.5% NVDA 17.2% NVO 15.3% SMH 34.6% VOO 3.3% VOOG 6.8% VTWO 16.2% XLK I am looking to rebalance/consolidate some positions and get into more international markets. I am pretty young and am looking for long term profitability. Thinking about just dumping everything into VOO or VOOG and then splitting those 70/30 with an international developed etf at least over the next 3-5 years as I believe it’s undervalued.

holdmysugar

XLK generally outperforms QQQ

_hiddenscout

As the other person called out, they are just different sectors. People take different approaches with investing. There really isn't like a one size fits all. Everyone has different goals and risk tolerance. So when you buy the SPY, you are usually buying a basket of 500 companies that are weight differently. So if you buy 1 share of the SPY, the breakdown of the pie is like 6.7% of it is MSFT, 6.5% is NVDA, 6.19% is APPL. There are some version of the SPY that are equally weight, meaning they all hold the same percentage across the board. Usually most ETF's will be weighted, since most the time when picking stocks, it's really your winners that do a lot of the heavy carrying. You can find the full breakdown here: [https://www.ssga.com/us/en/individual/etfs/spdr-sp-500-etf-trust-spy#holdings](https://www.ssga.com/us/en/individual/etfs/spdr-sp-500-etf-trust-spy#holdings) With the sector sypders, you can just buy one sector of the SPY rather than all 500. Say for example, you just want to own only technology companies of the SPY, you can buy something like the XLK. [https://www.sectorspdrs.com/mainfund/XLK](https://www.sectorspdrs.com/mainfund/XLK) So if you buy that, you will end up with less companies in your basket, but more concentrated. Now every share of the XLK will be basically like 14% MSFT, 14% NVDA, 13% APPL.

SecretInevitable

I would simplify your US etfs to just VTI, you are not really getting that much tilt away from VTI itself (97% correlation), and paying at least 5x more management fees for the privilege. Personally, I don't understand the fascination people have with a broad single-exchange ETF like QQQM. If what you really want a is a tech sector tilt then I'd recommend a sector focused fund like XLK (it's also much cheaper ER). My favorite tool is Portfolio Visualizer Backtest. Good luck

volckerwasright

Blackrock makes good shit I like that XLK sometimes

Affectionate-Idea690

it seems like the tech sector is not, but rather XLV and XLU is pumping hard today, very bearish it seems and XLK the top holdings supposedly, are not at -.32% hmmm

Legitimate-Access168

Take any of the TOP 10 in SPY/VOO/QQQ/XLK...etc.. Long term.

FlounderComplete3644

At age 18, your best bet is to focus on growth because you have a lot of years ahead. You already have a good set of stocks albeit heavily weighted in tech. I would definitely stay away from crypto as there is no inherent value there. I would hold a few stocks but have most money going forward in etfs. I recommend QQQ, SMH, XLK, SPMO, IVV. Good luck!

LadOrDad

I always see this said but the 5y chart accounts for that… look at 5y on tecl compared to 5y on XLK. You’re still way up (sure not 3x) holding TECL. At times it ends up being more than 3x, but if you believe in the underlying fund the leverage almost always works in your favour

foolproofphilosophy

I’m mostly VOO and SPY. I also own XLK (tech). I’d been out of international for a while but have been buying VXUS recently. I also have some FCNTX. It’s a mutual fund but typically performs well.

Infamous-Potato-5310

XLK or if you want more midcap exposure, FTEC. Maybe some small positions in some high risk, high reward areas you mention if you insist.

darahs

IWM puts, TZA calls, XLK puts, etc

tridentk1ng

Glad I checked, better than I thought actually. Thought I was down 40%! I'm down 22% since Feb 25. Tech heavy. XLK is the only ETF in there. (Tech sector SPDR) 26% of portfolio. Down 30%. Rest are individual stocks NVIDIA, RKLB, PLTR - all still positive since I'm a long term holder. Rebalanced portfolio to buy Meta, Goog, Lunr, MS. All down 12-40%, in that range. Trying to DCA from here on for meta, goog, msft, as I believe they are still decent bets in long term.

NetizenKain

How much will this affect XLK?

peterinjapan

This is why I switched to swing trading in my IRA, so I could at least lose less when things went to hell. I had a lot more cash than I would have had, though of course I lost plenty. My main portfolio is managed by a guy who moves in and out of big ETFs like VOO and XLK as is appropriate, so he will at least protect against huge drawdowns (at least that’s the idea).

Superb_Marzipan_1581

No Individual stocks! Plenty of ETFs & Funds that would cater to you. From your list I would say MAGS/XLK/SOXX are good for what you want.

Infamous-Potato-5310

Time for me to just port out on XLK shares and change my password to a bunch of random letters

payme_dayrate

VOO / SCHD / XLK in something like 60/20/20, maybe drop each 5% and add XLP for consumer staples either the uncertainty we are heading into right now

DietFoods

Always QQQ or XLK. Far outperforms the S&P over time if you can stomach the bigger pullbacks.

Designer_Doubt_444

That was the initial plan, then I lost it to FOMO seeing the market bounce back at the double bottom and me naively thinking it was over. Now I'm eating a -12% on my dumb choice thanks to market crash + currency rate change. Original plan was to DCA over the next 8 months around 50k€ I had sitting in a deposit account. I didn't execute on my original plan as I already invested half of that and lost 2.5k€ on it. In the end I know it will be fine and it's just missing an extra +10% profit once everything bounces back, but it stings like crazy right now. I started my DCA on S&P500 in 2024 along with other riskier ETFs like QQQ, XLK and SMH. I was +16% in January, then once I reached +3% I sold all and derisked int oa World ETF, so it's like I did lump sum buy of 100k€ at the price of March 25th, then put 25k€ in. So now I'm down -12% on that. I fucked up big, I know an All-World ETF will recover, but that doesn't change the fact you could have spared yourself a -10% on money you could invest later. To be fair, I had around 30k€ sitting out of the market and that I didn't really need for about 2 years and I missed a +30% gain in the meanwhile. So I first tried to time the market waiting for a drop, and then I tried to time the market again hoping for the rebounce. The lesson is to just stay invested and not give a fuck if you aren't going to retire anytime soon, it's really not worth the hassle to constantly check the news and try to optimize for possible market upturn/downturn, at least in my opinion. Sittnig on cash you don't need for over 2 years was definitely worse.

joe4942

XLK only up 9% from 2022 highs. In a -20% bear market.