XLK

technologyready12

Ya. I hold XLK, so if AI takes a breather, Apple and the software companies in the ETF will perform well, so it will only drop a little. Investing isn't about getting the biggest gains; it's about earning good returns while avoiding disastrous drops. Investors need to achieve 2 objectives.

technologyready12

MU's 10-year PT is $650. Memory is a commodity, and MU is only the 3rd-largest player in the business (the top player normally gets 80% of business in any industry). Memory can also be mass-produced. 1 factory can output 300k wafers a month and 800 dies per wafer, or 2.9B dies a year. There are dozens of memory factories in the world, and many more are coming online. Don't believe what memory CEOs say—their job is to sell their products and stock. RDDT's 10-year PT is $2,000+. It's unique and irreplaceable, and at a $30B market cap, it has a long runway. A simple investing method is 75% XLK (all tech, including hardware and software), 20% RDDT, and 5% stock-picking money. No chance to fail. DCA biweekly. Retire in 10 years.

ranting_chef

The only reason I’d leave it all where it is would be if I thought it would outperform the broader markets, which it definitely has been. But nobody can tell you the future of any stock, especially anonymous people on Reddit. I have about two thirds of my portfolios in ETFs. Most are heavy on Nasdaq/Tech. And most of those beat the S&P index funds. A tech ETF (like QQQ or XLK) might not go up as quickly as AMD when it’s on a run, but you won’t see as much volatility. If you’re not planning to take profits soon, I’d put some of my profits into an index fund like the S&P or Nasdaq. And seriously, if you’re looking for advice, speak to a financial planner - preferably in person. I’ve found a lot of great stocks on Reddit I probably wouldn’t have heard of otherwise, but I’ve also found quite a few that didn’t turn out great, either. An experienced professional will ask you a ton of questions about you and your lifestyle before making any suggestions.

DyehuthyTV

DIA (*dow etf, aka "value"*) is outperforming QQQ (*nasdaq100 etf, aka "growth"*)? YTD, 1Y, 5Y performance? lol No, QQQ ETF still winning here, this are not "Equity Factor ETFs" are just US Market Indices, that also are driven by Equity Factors and US Sector Rotation, big difference from directly Factor ETFs. You can understand this, if you can see the Sector Composition (weight%) of each one of this Equity Factor ETFs (Aggressive sectors, vs Defensive Sectors, Sector Rotation). Maybe you are talking about IWD factor (value) vs IWF factor (growth) ETFs, here Value ETF outperforms Growth ETF, but just YTD and 1Y timeframe. Yes, this can happen even without "bear market", cuz the people can start to be "defensive" for several reasons, like inflation, not just for 'bear markets'. *IWD have more weight (%) in Financials (XLF sector) and IWF have more weight in Technology (XLK sector)* >IWD and IWF are iShares (Blackrock) ETFs from Russell1000. You also have Vanguard ETFs, IVE (value) and VUG (growth) from S&P500. Not a big difference, but it shows up in the long run. 😉

Any_Influence_8305

I already sold my SMH and XLK the other morning and this post made me realize I fucked up

throwawaayy011

I’ve been burned then decided to quit. After watching the trump game (war -> peace -> war -> peace), I started a new system. Monday starts red then I watch it when it bounces off a bottom, I buy calls near the previous close. Tuesday is a taco day. So it’s almost always green but you cant do much there because it only gaps up and 1dte are usually very expensive. I watch VIX, CL1!, XLI, XLK, DXY and US10Y as they give early signals. If US10Y goes above 4.4%, expect a peace tweet within 24hrs. If you notice a VIX sudden jump, expect a significant drop. If you see a significant CL1! movement downward, expect a god green candle but you need to act quickly and sell as almost always god candles retrace. XLI and XLK precede SPX movement by 2 weeks but watch it only for direction and dont base your decisions on them. Always buy puts before trump or the fed chair goes on a speech. During the fed chair’s speech, buy calls. Stay on the sidelines on the day trump speaks. You need to know the white house’s schedule the day before. If the market is choppy bouncing between red and green, it’ll close within 5pt of the previous close. If you catch one of those great days where it’s choppy and then it suddenly moves 15-20pts below or above the previous close within 15mins of market close, aim for near the previous close and have balls of steel. Just put in your orders and wait. Now obviously this is not an investment advice. This is me talking about myself to myself. I have two accounts and I started doing this in one of them with $100 and now it has $3k. With the huge military asset movement in the middle east over the last 2.5mo, I expect something major will happen before the fall. My plan is to anticipate the move’s timing and place a $5k bet that should turn it into $100k if im lucky. If it all goes to waste, it’s ok i accept the risk.

Jealous_Bookkeeper20

The main issue with DRAM is that memory is a highly cyclical commodity business. These ETFs are usually launched near the top of the cycle when memory pricing is peaking. When the cycle turns, Micron and Samsung earnings contract quickly, and holding a concentrated basket doesn't protect you from the industry-wide downturn. You're also paying a 0.65% fee for a portfolio where the top 3 holdings dominate the index. That's a high structural hurdle compared to core tech funds like XLK at 0.09% or QQQM at 0.15%. If you want exposure, it's cheaper to just buy the individual stocks directly or stick to the broader tech index. How are you modeling the memory cycle downturn?

kradreyals

Yeah, my theory is that since these companies are spending so much, institutions are selling mega caps themselves, causing them to dip, to pump up the targets of their spending. Then once they are happy with the gains of SMH or DRAM, they sell off to top off the discounted mega caps. It's really dumb. I hold XLK and its obvious when it stays almost flat, the megacaps drop 10+%, and the SMH moonshot 200%. Broad index fund holders are being used as liquidity.

FishFart

XLK?

siboq

Buy XLK and chill

joe4942

After MU earnings yesterday, wasn't really expecting value to have such a good day today, and for XLK to go red lol.

WorkingGuy99percent

I keep gobbling up shares of SOXX, XLK, and TQQQ on these broad tech drops. I believe future earnings reports will continue to beat for most of these companies. A lot of beats lift lots of other stocks too. Too many beneficiaries to invest in all of them. Great news.

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.

joe4942

> The sell-off really hasn't accelerated at all from today's open in the indices. This is another BTD opportunity. I'm not a big fan of technical analysis, but DRAM and XLK closed near the low of the day with a fairly bearish inverted hammer candle, and DRAM had the highest selling volume ever.

joe4942

Highest red selling volume ever on DRAM today. XLK and QQQ both made a lower low rather than a higher high, and since the June 9 low, never returned to the June 3 highs. Then there's the news stories about the amount of leverage investors in Taiwan/South Korea are using to chase memory/semiconductor names which have disproportionately carried the market over the last year. Market could go either way with MU earnings tomorrow, but all things considered, there seems to be a lot more downside risk than upside.

TheInkDon1

So full disclosure, I really only buy LEAPS Calls on ETFs with good 3-month momentum. So I really don't 'play' any tickers for premium harvesting. I just place long bets on things that are going up. That said, a main idea of my post was that if you're selling CSPs or CCs, *it's probably best if you do it on something that's going up.* Don't even look at IV, and certainly don't search for it as a ticker to sell premium against. **Be directional** and you'll have better outcomes. So all that said, here's what I'm in right now: CHAT, CIBR, MTUM, RSPT, SOXX, SPMO, VLUE, XLK I plotted[ DRAM, FOTO, and AIPO against each other](https://stockanalysis.com/etf/compare/dram-vs-foto-vs-aipo/), and here's my thoughts. But keep in mind that I go long, and don't just sell Puts and hope it doesn't go down: I wouldn't be in **FOTO** because it's negative on the 3-month and 1-month. **AIPO** has had a good 3 months, but its 1m is flattening, so I'd be thinking about finding something better. Now **DRAM**, that's been incredible. And I was in it some weeks ago, but it's just too volatile for me. Look at it [compared to SOXX](https://stockanalysis.com/etf/compare/dram-vs-soxx/). Change the view to the 3m. **SOXX** has been more of an escalator, while DRAM has been more of a rollercoaster. And at 85% over the past 3 months, SOXX gives *plenty* of return. Just my thoughts, but a lot of things work.

JellyfishFestival

The Mag 7, or at least the traditional FAANG stocks have become uncorrelated with QQQ and XLK in a way I never expected. It's all just semis now and everything else is along for the ride

joe4942

It's more than just memory selling off following the KOSPI -9% drop: * XLK: -3.5% * SMH: -6% * QQQ: -2.8%

TheInkDon1

Great question, and I think one we've all asked ourselves. *Because it's "the Tasty Trade way" is why.* That (and they) seem to have fallen out of favor, but a few years ago it was all anyone here or at r/ThetaGang preached, and you were a heretic if you did anything different than "30-45DTE, 30-delta, close at half-profit or 21 days." Search the forums and you'll see. But it works, there's no arguing that, so it's a great place for beginners to start. Now, like you, I thought Weeklies were the jam. But I soon found out, for "reasons," that they're not. But I'll leave that for you to discover, because I can't really explain it quantitatively. I just know they were harder, so I stopped. Then for a long while I went to 30DTE/4weeks. But lately, on *some* things, I go 2 weeks. But never less; that's become a hard and fast rule for me. But try it for yourself, 1 week. Then maybe try 2, and then maybe 4. But I'm surprised you didn't hit on the REAL reason for anyone wanting to do Weeklies. You discussed it, but didn't reach a solid conclusion. In fact, it seems like you've maybe found that 4 Weeklies is a bit less than a month. It's not; it's MORE. *Significantly* more. I wish it was the weekend so I had clean Weekly option prices to work with, but I'll extrapolate. **There's more theta-per-day in a Weekly option than a Monthly.** (So when you multiply by 4 {or 4.345 weeks in an average month}, you get a way bigger number.) That's a fact for any ticker, any time, and I want you to prove it yourself this weekend when you can compare 5 full days of premium to 25 (4 weeks). But in the meantime, for **SOXX**: The **655P** is right on the money with the close at 655.01. Perfect. The 4DTE is trading at 18.20 Mid. Divide: $18.20 over 4 days is **$4.55 per day.** That's how much money, *per day*, you stand to make if SOXX ends the week above 655. Now take the 17Jul655P (25DTE/almost 4 weeks) trading for 41.05 Mid. Let me use 24DTE from the open tomorrow, that helps give it a higher number: $41.05 / 24 days = **$1.71 per day** Wow! You can see that the Weekly pays over *twice* as much. In fact, it's: 4.55 / 1.71 = *2.66 times as much.* And THAT'S why people think Weeklies are the jam. But there are drawbacks, which really come down to a longer expiration giving you "more time to be right." But try it for yourself, you won't get into much trouble, it'll just be a lot of work and angst as the price wiggles. **Bonus Section** I didn't think the difference was going to come out that high (I'm remembering about 1.5x from when I ran these calcs before), so I want to check a few other tickers I trade that have Weeklies. **INTC** 2.7x **XLK** 2.4x **NCLH** 3.1x So the **SOXX** number of 2.6x is right in the ballpark. But I think that me using 4 days as a stand-in for 5 days is skewing the numbers. Add that 5th day and the theta-per-day will come down a good bit. Which invites an intriguing experiment: What's the theta-per-day at 3 days? 2 days? 1 day? I'll leave that for the reader to pursue. Be good.

JellyfishFestival

Apple, Google, Microsoft, Meta, Amazon, Netflix all down substantially yet XLK the tech sector ETF up well over 1% The semis just took over the place even from the biggest companies in the world

IvoryTowerResident

how tell me how much SMH XLK and DRAM went up yesteday

ChickenMazhou

I see what you’re saying. I guess for me personally it wouldn’t be worth it. I’d sooner write 1-month CSP’s for 1% on stuff like XLE, XLF, XLU, XLK. If assigned then write the CC’s and wheel it. I think anybody who writes CSP’s has to be prepared to wheel if we get a tail event. Strategy would likely yield 12% annual pretty consistently

joe4942

XLK already exists.

joe4942

* XLK: -11% * SMH: -10% * AIS: -15% * DRAM: -17% At least in tech, it's definitely in a correction.

Virginia_Tesjan

Would do: 20% XLK because tech is gonna lead the next 25 years just like it did the last 25 year. 40% VOO for S&P 500 20% VEU for international 20% VIG for dividend and growth

joe4942

Even bigger red candles now than Friday for SMH and XLK.

joe4942

From the highs: * IGV: -16% * SMH: -12% * DRAM: -18% * AIS: -16% * XLK: -12% * SOXL: -41%

Ceyenne18

SPY -0.15%, XLK -1% Almost all the industries are green. This is a rotation out of tech ahead of CPI.

Dip2Tip

XLK

siboq

XLK 290 leaps for Jan 2027 let’s goooooo

Spac55

Oil Algo jokers jump on every rocket & missile to make volatility, it’s not old Oil market anymore. Index has only 2% energy stocks. USA consume~20 million barrels of Oil per day. USA produces ~ 13.5 million barrels per day Canada produce ~6 million bpd Venezuela~1 million bpd,peak capacity ~3 million bpd How much US- GDP impact by Iran &Ukraine war? OPEC bump again $XLE $SPY $QQQ $XLC $XLK $XLF $XLU $SMH

Spac55

USA consume~20 million barrels of Oil per day. USA produces ~ 13.5 million barrels per day Canada produce ~6 million bpd Venezuela~1 million bpd,peak capacity ~3 million bpd How much US- GDP impact by Iran &Ukraine war? OPEC bump output again $XLE $SPY $QQQ $XLC $XLK $XLF $XLU $SMH

Bluecoregamming

I've used it firsthand and literally all it did was DCA into XLK. If anyone is paying for this they are getting scammed

Necessary-Scallion21

I plan to divest completely from QQQ in my retirement - non tax event- investments. I have seen no good argument for the fast track rule. This deal stinks. It looks like corruption at its worst. Did a Chat GPT session to do research and I will switch to 3 or 4 of these ETFs/Funds MTG/XLK/FTEC/VGT/SPMO/MTUM/FBCG. Its an aggressive - probably more aggressive than QQQ portfolio. I've been lazy to not do some diversifying these past years - but hey QQQ served me well.

joe4942

XLK: -6.66%

Mouth_Herpes

Same thing for me. I’m a percentage point or two above the S&P on individual stock picks. I’ve had some big winner, but I also picked some “value” stocks that went bankrupt early on. Although the overall win isn’t huge, I’m pretty proud of it because it is hard to beat the S&P. My ETF portfolio is pretty far ahead though because of big XLK and ITA positions, both of which have substantially outperformed the index (and me), but that was mostly luck.

The_Albertino

Holy shit the XLK is down over 5%

Ahamadrayasbaboon

SPMO, QQQM, VONG, AVDV, VXUS, FLKR, SMH, XLK, lots of single stocks. 

Osmarku

Noob question will index funds VOO and XLK still buy spacex?

Spac55

$BTC.X $SMH $SPX $XLK $QQQ $NDX $DXYZ Bitcoin, $BTC.x no new theme , it’s fading Once Madoff gave nice Theme to investors, got Ponzi. Once Theranos gave new Theme for blood test. Once FTX-SBF gave new Theme for Crypto. Now many CEO gives new Theme for AI, also changing theme to keep AI pumping going. Moment Theme Fade, it crash like Bitcoin. Mater of time.

Spac55

$BTC.X $SMH $SPX $XLK $QQQ $NDX $DXYZ Once Madoff gave nice Theme to investors Once Theranos gave new Theme for blood test Once FTX-SBF gave new Theme for Crypto Now many CEO gives new Theme for AI, before theme fade, they change theme to keep pumping going Bitcoin $BTC no new theme, it’s crashing

joe4942

From the March 30 lows: * BRKB: -0.5% * RSP: +10.45% * XLK: +55%

FancyFinanceGuy

Well I sold these and opened a new XLK 205 call dated out til mid-August. I expect tech to keep going up even after semis start to cool (if they ever do). I think once semis start to cool off, there will be a rotation to broader tech. I expect profit taking to start in the Fall.

Spac55

$BTC.X $SMH $SPX $XLK $QQQ $NDX $DXYZ $MTUM Once Madoff gave nice Theme to investors Once Theranos gave new Theme for blood test Once FTX-SBF gave new Theme for Crypto Now many CEO gives new Theme for AI

Zestyclose_Might3757

Nice work on XLK calls, those gains are looking spicy right now

CertainAnt9680

I only buy XLK long. none of this trash will be in sp500 until they meet the rules.

Wide-Contribution-29

What strike and expiration? I was thinking of XLK calls. How’s the liquidity and volume. So far IGV has done really well for me and DRAM of course. 

jbwhittle87

XLK :)

Axe_Raider

QQQ is not really an index like S&P500 or CRSP is. it is run as a marketing gimmick. QQQ will likely have a lot of SpaceX, but QQQ has always been a high-risk fund. sell QQQ, buy VGT or VUG or XLK. the other indexes, even if they made the rule changes will have small amounts of SpaceX.

joe4942

Markets mean revert. At some point, tech will slow down. Worth remembering the QQQ and XLK traded sideways for most of the last year.

Ashamed_Variation435

I sold Google and realized the profit. Right now I have SMH, GDX and XLK. Selling weeklies but less than 20 delta as I want to hold long term

C2theC

You have way too many that can just be managed with the QQQ or XLK ETFs. Maybe SOXX if you’re feeling aggressive. Sell the losers. Offset with the lowest winners. Put towards the biggest winners or better, in ETF. Consider VOO for some balance though tech is like 40% of the S&P 500 currently.

OriginalTechnical531

Tesla bagholders are funny, if they simply invested in XLK they would have seen more returns... Mentality of the average Tesla investor probably explains why they don't just do that, and why they will jump in to buy high on SpaceX.

Xzlk

Still a bull but XLK looks like it’s about to create a generational set of bagholders

joe4942

XLK +30.7% above the 200 SMA. A bit overextended?

yo_les_noobs

XSD, VLUE, XLK, SPMO everything is at an ATH unless you're a psychic and want to buy something that's dropping in the other direction during a massive bull run.

TehWildMan_

XLK longs to the moon, can only ever go up!

joe4942

1yr: * BRKB: -5.7% * SPY: +26.9% * QQQ: +39.9% * XLK: +58.8%

joe4942

XLK +46% from the low of the war fear lol.

EvictionSpecialist

100% of either. These two are basically the same IMO. With the last 5/8 yrs I prefer XLK, but it's all tech stocks. But I've been quite happy with it. I hold more XLK vs VOO.

No-Consequence-8768

Soxx has done 35% annual returns in last 10 years. SMH 37%. Nothing wrong with adding a sector(this case sub sector) to your portfolio. ALL the Index & S&P funds have increased their weight of semis, if you feel they will continue to grow(which should) make them whatever % you want, 10%,20%, etc... XLK is 100% Tech will have more semi weight than like a QQQ.

joe4942

* QQQ: +0.80% * XLK: +1.43% * MAGS: +0.13% Markets have definitely changed from the days of the MAGS driving market returns.

ArkAngelEV

!banbet XLK 202 3w

ArkAngelEV

banbet! XLK 202 4w

ArkAngelEV

Omg, there is a huge green hammer on XLK and im seriously porting everything to it. banbet! XLK 202 4w

SnS2500

\> The point is that it DOES make a difference, despite what everyone says. VOO is up 176.2% the past six years. VTI is up 169.7%, so it does make a difference, but if you are going to focus on the opportunity cost of mega-cap tech growth, this difference is not where to look. XLK is up 283% in that time span. SMH is up 731%. You can't turn back the clock. If you are sure you learned a lesson, then consider it money well spent to now be able to confidently adopt a path you like better going forward.

Sufficient-Flan1565

While we there do XLK.

AcademicStandard3701

XLK doing the lords work lmao 📈📈

Wide-Contribution-29

Aside from QQQ, my guess is this will be in XLK or XLI, state street’s tech and industrial sector ETFs  Most likely I think it will be in XLI. 

TotalInstruction

The institutional investors don’t invest in Seagate or MU directly. They invest in XLK or some AI subsector ETF or some company that supplies the chip industry, they hear an announcement like this, and they dump 5% of their AI basket with the rest of the lemming banks. Those ETFs then need to dump all proportion of their entire holdings pro rata to balance out. They’ll buy it back later this week.

pingoo26

Thinking a SOXX/DRAM EWY reversal. Likely go in on XLK anyway

Digital_Gold71

XLK

pingoo26

Glad I closed my XLK trade at near max profit, it's all pulling back today.

Fit_Statistician1199

I’m of the opinion that etfs are the way to go based on your stated desire to set and forget and the limited capital involved. That said, and your stated timeframe of 3-4 years I’d do $ 3000 VOO, $3000 in FTEC or XLK (tech focus) and 1500 in fxaix, this is a bit of a backup as dry capital to invest and average down in a downturn.

jacknhut2

Buy the index such as XLK or QQQM, adding every paycheck and hold until you retired. No FOMO, no sleepless night. Simple, boring but effective.

No-Consequence-8768

Not Risky at all.... I like XLK over QQQM. VT is a no for me. IBIT, sure I have a Tiny bit, yet GLD I would Sub for.

vettevette11

XLK

ArkAngelEV

XLK +3% lol don’t care

ArkAngelEV

Another day, another Shrek sausage in n XLK. This has been so easy im starting to question if the simulation will just break so im not allowed to enjoy being just a little bit wealthy.

Ahamadrayasbaboon

SMH is slightly cheaper, as is QQQM, but lower MU exposure percentage. XLK is even cheaper. Those are where my MU exposure lies. 

pingoo26

XLK is another alternative

solidsneeze

TIL googl and meta are not in the XLK. looney toons

Mordrim

Nasdaq and SP500 makes new ATH, but NYSE composite does not. Only 1 sector (XLK) has made new ATH since March. Unless the other sectors starts participating in this rally, I don't think it is sustainable. In fact, SP500 might have a shooting star today, but we won't know for a few days.

No_Zookeepergame_27

MAG7 are all down but XLK and QQQ are up.

Mordrim

This rally is hiding a lot of weaknesses. Market breadth has been narrow, with only 53% of SP500 companies above their 50day MA. Only 2 sectors (XLK and XLRE) made new ATHs after the March swoon. Unless we get a lot more participation from the other sectors, I don't think this rally is sustainable.

CamxThexMan3

why would you own XLK then as well? There are funds out there with similar compositions with lower expense ratios. At the end of the day, .01% isn't going to matter materially.

peterinjapan

My portfolio is in two parts: 1. 75% is in solid ETFs like VOO, XLK, and VTG, as long as they are in uptrends relative to the market. The guy who manages them keeps those positions. 2. In my other portfolio, I swing trade stocks, mostly in my IRA, and I literally don't care about valuation because I'm just going to hold them for a few days or a few weeks depending on how they perform.

Axe_Raider

sell QQQ, buy VGT or VUG or XLK. if you have big pending gains in QQQ, congratulations on your victory. take your prize. if you absolutely positively cannot sell your QQQ, buy puts on it.

EvictionSpecialist

31? I would be quite aggressive . XLK, VOO, QQQ, TOPT - That kinda stuff. I dont like international, you might as well do treasuries or CDs at that point. Current NW is 1.1M? Can you live off $40k/year? If you dump your 500k into a home, now you have 600k of investments, with a $200K loan at \~6.5% rate. Dont forget your $700K home comes with a $8400 property tax payment/year, along with maintenance. ( Where the hell is there a nice $700K home in LA anyways?) that's like any 1200 sq ft place right now. My opinion. You either need to work to have that house in VHCOL. or Don't buy the house and you can fck off to Europe, and work at your own pace.

ArkAngelEV

so what color should the second lambo be? XLK refuses to get a red candle!!!

Wowmuchrya

XLE up and XLK up this market is on crack lol

heyheyitsandre

26M. Currently I have 8 shares of DIA, 15 SPY, 17 XLK, 16 VXUS. 10k liquid in an emergency HYSA, usually leave about 3-4k liquid in checking. No type of debt of any kind for my fiancee or me. I earn about 85k gross, contribute 8%, company matches 6% and puts discretionary 2% into a Roth 401k as well. I get 100(64) shares every year plus my regular bonus so I get about 4-6k every February, too. I have a personal Roth IRA I haven’t touched in about a decade that I used to put all my money in when I was 16 working part time, about 8k in that last I checked. My fiancee and I are both in fortunate positions family wise where whenever our parents pass we should come into 4+ million dollars. So we won’t really need money by the time we are 60. I know maxing my personal Roth is probably best but I just think I should be trying to be a little more aggressive to maximize my net worth by age 40 or 45, rather than needing to make sure I can retire at 65. Should I be doing anything differently vs just pumping 2-3k into these ETFs whenever my checking acc starts to grow more than I need it to be? Are there any other ETFs I should be looking into? I feel like I tick all the industries with these but might be overlooking something. Also don’t know if there are any medium term bonds or something I’m not considering like that that are targeted to pay off in 20-25 years.

heyheyitsandre

Currently I have 8 shares of DIA, 15 SPY, 17 XLK, 16 VXUS. 10k liquid in an emergency HYSA, usually leave about 3-4k liquid in checking. No type of debt of any kind for my fiancee or me. I earn about 85k gross, contribute 8%, company matches 6% and puts discretionary 2% into a Roth 401k as well. I have a personal Roth IRA I haven’t touched in about a decade that I used to put all my money in when I was 16 working part time, about 8k in that last I checked. My fiancee and I are both in fortunate positions family wise where whenever our parents pass we should come into 4+ million dollars. So we won’t really need money by the time we are 60. I know maxing my personal Roth is probably best but I just think I should be trying to be a little more aggressive to maximize my net worth by age 40 or 45, rather than needing to make sure I can retire at 65. Should I be doing anything differently vs just pumping 2-3k into these ETFs whenever my checking acc starts to grow more than I need it to be? Are there any other ETFs I should be looking into? I feel like I tick all the industries with these but might be overlooking something. Also don’t know if there are any medium term bonds or something I’m not considering like that that are targeted to pay off in 20-25 years.

Kimishiranai39

Just by a spread or a calendar spread. Nothing beats SPY. You can get those etfs like SPYG or XLK or something that mirrors SPY. Maybe SPYL? But this one is a leveraged etf which is only good for very short term trades.

Ahamadrayasbaboon

I’m swimming in SPMO, SMH, and XLK

zxc123zxc123

Hey at least we can agree that there is some BS. I also came to the conclusion that BOTH: 1. AI/Mag8 being fake hype and an AI bubble 2. AI/Mag8 actually disrupting SaaS with AI Can't both be true. Or at least not true to the extent that the market is pricing. Congrats on reaching 1st order of effect thinking. That makes you smarter than the average WSB regard. Sadly 1st order isn't worth much when there is 2nd/3rd/4th/5th/Nth. >Positions: Puts on QQQ, XLK, XLF. Long duration. I'll go with MSFT/MAG8/VOO + reserve of gold/STnotes. If it dips buy more. I'm also bearish on the market/economy, but being a 🌈🐻 is hard and often a loser's game. I'd rather be defensive and keep buying dips.

ai-moderator

# TLDR --- **Ticker**: QQQ, XLK, XLF **Direction**: Down 📉 **Prognosis**: Buy long-duration Puts **Boomer Fantasy**: "AI is killing SaaS! Just build it in-house!" 👴💭 **Actual Reality**: The entire tech and AI sector is taking a massive shit together 💩🔥

Axe_Raider

VGT or VUG or XLK are good approximations of QQQ.

ruler_gurl

XLK

Bosto2025

I bought XLK, SCHG, QQQ and VOO in different accounts. Also sold NVDA and META long-dated puts for nice premium and bought a META Dec 2028 LEAP call at $400 strike price. Meta at 16x forward earnings is a good buy, even with the recent legal setbacks.