CALF
Pacer US Small Cap Cash Cows ETF
stock BATS ETF

1. QQQM is nice, but the newer QNDX by State Street tracks the exact same thing with a lower ER.
2. SMH is NVidia heavy, which is why it has lagged behind other semiconductor ETF's this year like SOXQ, PSI, CHPS, and FTXL. I hold SOXQ and PSI in my portfolio.
3. SPMO is a good ETF if you like the momentum strategy.
4. XLV is a healthcare ETF by State Street with less than impressive returns compared to others on your list.
5. CALF - I don't know much about this other than it's small cap.
6. KWEB - why?
7. SCHG is a really nice, tried and true growth ETF. It compliments QQQM rather well despite having 45 overlapping holdings.
If your list is limited to 3 ETF's, I would do QQQM, SCHG, and SMH (or my suggested alternatives).

My core position is VOO, but I’m not sure what else to add for a 20-30 year investment horizon. Here’s what I’m debating between:
1. SPMO
2. CALF
3. SCHG
4. MOAT
5. SMH
6. QQQM
7. XLV
Which of these would you choose?

So I can tell you what I like about the one I know, what I own. You can keep it simple. Most are gonna tell you to go with VT or VOO with some options, you can incorporate culture international. It’s very easy to overcomplicate and it doesn’t mean you will do better. Personally, my portfolio is overcomplicated and wish I kept it simpler over the years I’m trying to consolidate.
Personally, I don’t have QQQM because it has overlap quite a bit with VOO. Not a bad thing as long as you know about it, but for me, I have some overlap with some of the other funds and it just didn’t fit my style. I have FTEC which is more tech. VGT is comparable
SMH is semis. Some say Cyclical but now semis probably aren’t going anywhere so that’s on you. Long-term but it’s done amazing. Wish I got in early. I don’t own it because I have semis in other ways and living in my parents house, you are just doubling down, which is OK. I own a small position in dram but not have set it and forget it.
SPMO it’s a momentum fund and I love momentum funds. I have a satellite position. Again, you are doubling down with VOO, and SMH. SPMO does change every six months, depending on the momentum. I also have FMTM which is monthly and has more mid caps and can change monthly.
SCHG. That’s a large Kat growth so you’ll be tripping down if you had several of these. It has outperform VOO for a long time. I don’t personally want to hold it with VOO and my other positions. Just because it’s too much overlap for me.
For small cap, I like small cap value. AVUV is what I prefer over something like CALF
XLV is healthcare. Good chance it will be some transitioning in this field, but have healthcare in other funds and is more conservative.
Honestly, you don’t need that many index funds. In my opinion, simple I do own a few individual stocks but small positions. Some large positions cause I bought them very long time ago ans I don’t panic sell.
That’s just my opinion. I would say keep it simple and know what your goal is and what your risk tolerance.
Best of luck! Most important thing is to be consistent and disciplined. You could just own VOO or VT and be fine as long as you have a long time period.

1. QQQM is nice, but the newer QNDX by State Street tracks the exact same thing with a lower ER.
2. SMH is NVidia heavy, which is why it has lagged behind other semiconductor ETF's this year like SOXQ, PSI, CHPS, and FTXL. I hold SOXQ and PSI in my portfolio.
3. SPMO is a good ETF if you like the momentum strategy.
4. XLV is a healthcare ETF by State Street with less than impressive returns compared to others on your list.
5. CALF - I don't know much about this other than it's small cap.
6. KWEB - why?
7. SCHG is a really nice, tried and true growth ETF. It compliments QQQM rather well despite having 45 overlapping holdings.
If your list is limited to 3 ETF's, I would do QQQM, SCHG, and SMH (or my suggested alternatives).

My core position is VOO, but I’m not sure what else to add for a 20-30 year investment horizon. Here’s what I’m debating between:
1. SPMO
2. CALF
3. SCHG
4. MOAT
5. SMH
6. QQQM
7. XLV
Which of these would you choose?

So I can tell you what I like about the one I know, what I own. You can keep it simple. Most are gonna tell you to go with VT or VOO with some options, you can incorporate culture international. It’s very easy to overcomplicate and it doesn’t mean you will do better. Personally, my portfolio is overcomplicated and wish I kept it simpler over the years I’m trying to consolidate.
Personally, I don’t have QQQM because it has overlap quite a bit with VOO. Not a bad thing as long as you know about it, but for me, I have some overlap with some of the other funds and it just didn’t fit my style. I have FTEC which is more tech. VGT is comparable
SMH is semis. Some say Cyclical but now semis probably aren’t going anywhere so that’s on you. Long-term but it’s done amazing. Wish I got in early. I don’t own it because I have semis in other ways and living in my parents house, you are just doubling down, which is OK. I own a small position in dram but not have set it and forget it.
SPMO it’s a momentum fund and I love momentum funds. I have a satellite position. Again, you are doubling down with VOO, and SMH. SPMO does change every six months, depending on the momentum. I also have FMTM which is monthly and has more mid caps and can change monthly.
SCHG. That’s a large Kat growth so you’ll be tripping down if you had several of these. It has outperform VOO for a long time. I don’t personally want to hold it with VOO and my other positions. Just because it’s too much overlap for me.
For small cap, I like small cap value. AVUV is what I prefer over something like CALF
XLV is healthcare. Good chance it will be some transitioning in this field, but have healthcare in other funds and is more conservative.
Honestly, you don’t need that many index funds. In my opinion, simple I do own a few individual stocks but small positions. Some large positions cause I bought them very long time ago ans I don’t panic sell.
That’s just my opinion. I would say keep it simple and know what your goal is and what your risk tolerance.
Best of luck! Most important thing is to be consistent and disciplined. You could just own VOO or VT and be fine as long as you have a long time period.