QNDX
State Street SPDR Portfolio Nasdaq 100 ETF
stock NASDAQ ETF

you don't know enough to pick stocks correctly for 30 years. nobody does. if you want to bet on AI , just do QQQ ( QNDX if you're really holding for 30 years ). Stop trying to time the market and buy things cheap. just get in and stay in.

QQQM or IQQ or QNDX, all three are basically the same but QNDX and IQQ have better ER

doesn’t QNDX have lower liquidity than QQQM? I’ve been holding some QQQM. my understanding is QNDX came out recently.

State Street launched QNDX recently as well. I see people on reddit all the time worrying about funds that are .02 vs .03 expense ratio. It's not a major difference in the long run.

Consider QNDX. From what I read, IQQ’s promotional ER of 0.10% will increase to 0.12%.

I would be really shocked if they closed out that ETF. It will gain plenty of assets over time. It already has plenty more assets than a ton of their ETFs. I’d be willing to bet they keep it open for a long time.
Sort their ETFs by lowest AUM and you’ll see QNDX already has a decent amount compared to the smaller ones.
Plus they will have the cheapest most competitive product, they will be undercutting Blackrock’s IQQ as well. You could go with that if you for some reason think Blackrock’s will stay.
https://stockanalysis.com/etf/provider/state-street/

I thought about QNDX but considering AUM and the timing of release (before what might be a fairly large pull back) I worry they'll force a liquidation from people pulling money out if it's a big pullback. I doubt they will since it's State Street and seems like a long term plan for them, but why bother risking a sale when it's low for only .04% I'm ok with feeling safer. (and who knows maybe QQQM lowers their ER eventually to compete down the line anyways)

I'm more QNDX and chill now..
|**Metric**|**VOO(Vanguard S&P 500)**|**QQQ(Invesco QQQ)**|**QNDX(SPDR Portfolio Nasdaq 100)**|
|:-|:-|:-|:-|
|**Expense Ratio**|**0.03%**|**0.20%**|**0.10%**|
|**1-Year Return** *(Trailing)*|\~23.6%|\~22.3%|\~22.4% *(Index Benchmark)*|
|**5-Year Return** *(Annualized)*|\~13.5%|\~14.2%|\~14.4% *(Index Benchmark)*|
|**10-Year Return** *(Annualized)*|\~15.5%|\~20.4%|\~20.5% *(Index Benchmark)*|

If you do, go for QNDX. It’s 0.05 cheaper than QQQM. IQQ will also be 0.10, but will eventually rise to 0.12.
As others have said, I think the NASDAQ-100 is a nonsense index. You’re forgoing other stocks just because of the exchange they are listed on, which is arbitrary. It’s a concentrated tech/growth fund, and many believe that value will eventually outperform growth again with a long enough timeline.
I like to hold a ton of stocks, so I opt for broad diversification across thousands rather than 100. But QQQ has performed exceptionally well, that is true. It just may not be true forever if there’s a rotation out of tech or if the AI bubble pops.

When in doubt, go 50/50 QNDX/SPYM
Check out QNDX which has a lower 0.10% expense vs QQQM 0.15% expense. They both cover the Nasdaq 100. Similarly look at SPYM instead of VOO for a 0.02% expense vs 0.03% expense.
Dollar cost averaging 100% Nasdaq 100 is relatively aggressive. It's something a very young person may consider doing because if the etf crashes -80% they have years to allow the etf to rally and recover stronger than ever. The benefits are obvious with the Nasdaq 100 having some amazing gains for the past couple decades.
If you do the calculator math and see yourself panicking losing -80% of QNDX in a few weeks, it's not the right fund for you. SPYM for the S&P500 on paper could risk a much smaller -50% crash and faster recovery. Especially if you have a strict timeline goal without years to let a crash recover, go with the broader etf with more stocks is usually a safer guess.

Like some have mentioned, you could be more aggressive since you have decades for your money to grow. I’ve been happy with my 3 fund portfolio (brokerage) consisting of IVV, SCHG, XLK. If you’re interested in adding a tilt towards growth, QNDX is a new ETF that’s worth looking into and has a lower expense ratio than QQQM.

The thing I'd notice first is those 3 funds are mostly the same bet wearing different tickers. QNDX, SCHG and a big chunk of SPYM all lean on the same handful of names, Apple, Microsoft, Nvidia and friends, so I don't really see 3 lanes of diversification there, more like one growth lane held 3 times.
That ties straight into what you said about not wanting to be underwater 10-15 years in. For me the real driver of that is concentration more than the broad market itself. US large growth already went through a stretch after 2000 where it took many years to claw back to even, and I think buying and holding through that is a lot harder when every sleeve is moving together.
If you want the mix to genuinely do something different, I'd look at adding something that isn't mega-cap growth at all, small-cap value like AVUV or just plain ex-US, rather than a third flavour of the same thing. I probably wouldn't overthink it much beyond that though...

You are correct. However, there are a few things to consider. QNDX and IQQ have a lower expense ratios than QQQ & QQQM. Keep in mind that IQQ will go up in 2027 while QNDX is staying the same.
All 4 give you the same Nasdaq exposure. The main difference here would be the bid/ask spread between QQQ/M and QNDX & IQQ. The former have massive shares traded + AUM while the latter two are just getting started and thus have a wider spread. This matters way less if you plan on buying and holding. I purchased a good chunk of QNDX which I plan on holding for over a decade, so bid/ask spread doesn’t really bother me since I don’t plan on selling anytime soon. It’s a State Street fund and I expect it to be well managed as well as greatly increasing shares traded + AUM.

I wouldn't use a single one of those. SPYM comes closest though.
On SCHG: It is a large cap growth style fund. However, all the factor research investment research I've seen suggests that it should have some of the worst returns going forward: small has tended to beat large in the long run, value and blend have tended to beat growth in the long run. Factor investing starting points:
* https://www.investopedia.com/terms/f/factor-investing.asp
* https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF)
* https://www.cbsnews.com/news/the-black-hole-of-investing/
* https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side
* But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ . Before it was deleted, it had this graph: https://www.bogleheads.org/forum/viewtopic.php?p=8693916&sid=ccebcb6bafc6ac9612472771c6770de3#p8693916
* And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/
On QNDX: Remember this has heavy overlap (over 80% by count last I checked) with the S&P 500 or US total market. **Look only at the inclusion criteria, not past returns** (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense. Bonus: It currently sits in the large growth corner as well, so (at least as things stand now), the same issue with SCHG applies here too.
All of your funds are essentially US only. US only is single country risk, which is an *uncompensated* risk. An uncompensated risk is one that doesn't bring higher expected long term returns. It should be avoided whenever possible. Compensated vs uncompensated risk:
* https://www.whitecoatinvestor.com/uncompensated-risk/
>An uncompensated risk is a risk that you can diversify against.
* https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk or if that doesn't work, the archive link: https://web.archive.org/web/20260107205255/https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk
>But not all risks are compensated with an expected return premium.
* https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine)
>Uncompensated risk is very different; it is the risk specific to an individual company, sector, **or country.**

They're the same funds as QQQ. Nasdaq has done well it's higher risk higher returns than S&P. It's tech heavy currently so if you're tech apprehensive you probably would want VOO.
I threw GARP in there because it's extremely close to QNDX and IQQQ in terms of portfolio roles, just with a little more filter of high p/e companies.

can never have too much SPYM
add in some SCHD and QNDX (naq100)
you dont need to own any single stocks to get uber rich

I Definitely like this. I wanted to buy the qqqm but I thought it made more sense buying QNDX or IQQ instead. They do the same exact thing but cheaper and with a better expense ratio.

QNDX is cheaper than QQQM btw

If you were starting your portfolio from zero in 2026? • 60% QNDX • 30% SCHG • 10% SPYM $1,100/m for 10-15 years?

Between the two 100% QQQ, but that strategy is not for the faint of heart and I'm a believer in the NASDAQ 100 as a long term investment. For buy and hold QQQM is strictly superior to QQQ because of lower fees. QNDX has even better fees but as a brand new fund with low AUM carries some other risks.
I'd strongly recommend greater diversity as a core holding. If you invested in QQQ right before the dot bomb it took you 15 years to break even again. 15 years is a long time to hold the faith.