QQQM
Invesco NASDAQ 100 ETF
stock NASDAQ ETF

+1 SCHG and QQQM

Use SPMO instead of QQQM - momentum premium has historical/evidentiary backing across market regimes, continued tech superiority doesn’t. For 20 years, let SPMO rotate into the winners vice a single sector bet.
Also wise to consider an international allocation, either 20-30%. Id look at IDMO (international momentum), AVDV (international small value), or broader VXUS if you want more stability.

Roth IRA: FXAIX, SCHG, VXUS, GLDM
Brokerage: Mix of individual stocks including Google and NVDA, Coca Cola but will eventually just DCA into VTI, VXUS and QQQM after maxing out my IRA

>SMH
An uncompensated risk is one that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk:
* https://www.whitecoatinvestor.com/uncompensated-risk/
* 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.
>I want to include QQQM and SCHD too but I’m not sure because of the overlap..
On QQQ(M) and/or SCHD:
* My take: https://www.reddit.com/r/Bogleheads/comments/16qosmi/including_qqqm_and_schd_in_a_portfolio/
* As Kashmir79 put it: https://www.reddit.com/r/Bogleheads/comments/16qo9u8/comment/k1ynubb/
* As engineer-investor put it: https://www.reddit.com/r/Bogleheads/comments/16qk8i4/comment/k1y480k/
* As Sea-Promotion8870 and ImaginationGreen3873 put it (read their comments from the entire chain): https://www.reddit.com/r/ETFs/comments/16e6rkb/comment/jzttlzx/

I am 19 years old btw. For my IRA I already have the funds to max it out, Currently in my IRA I have VTI, VXUS, QQQM, and I want to add an etf which more small-mid cap exposure, in my brokerage account which my parent invested it, VSTAX, VGT, VOO (which I just sold spy for) AAPL, NVDA and PLTR, should I just use my brokerage to focus mainly on stocks?

Hey guys, I’m a non-US investor, so I naturally tilted toward Ireland-domiciled ETFs and eventually settled on SPYL due to TER and WHT.
I’m 25 years old and plan to DCA monthly for the long term (15–30 years). My goal is to steadily build wealth, while taking on a little more risk since I have a long time horizon and can tolerate some volatility (kinda).
Current Portfolio
• SPYL — ~74%
• QQQM — ~26%
I’m about 4 months in. I recently added QQQM, and with my current contribution split (roughly 60% to SPYL and 40% to QQQM), the portfolio will naturally move toward a 60/40 allocation over time.
I know this is pretty US-concentrated, so I’ve considered reducing QQQM or adding an ex-US ETF. But if I do that, it basically turns my portfolio into VT/VWRA with extra steps, so I’m not sure if adding more moving parts is actually useful. But it would be easier to leave it as it is obviously haha.
I also see a lot of people mentioning SCHG, SPMO, SMH, or even small gold allocations, so I’m trying to figure out what genuinely adds value versus what just complicates things.
Would love to get some thoughts on whether this portfolio makes sense long-term or if there’s anything else worth looking into.

No problem… the truth is that VT alone is a tech oriented fund in itself due to market cap weighting… just a little more watered down than VOO and more diversified. A bit of QQQM on top gives a bit more juice from mega cap tech leaders when tech is in rotation (more often than not these days), however not mandatory

You have it backwards. Your riskier plays should be in your Roth.
Your brokerage can be all SGOV and QQQM or VT if you prefer.

I see index funds (SPY and QQQM) as darwinian evolution. The market picks winners and losers, you ride them.
You can play the game where you have a spray gun of 100s of darts, while other players are playing with 5-10 darts.
Long term expected return is heavily in your favor. Index funds are a cheat code. Buy a little every pay check, sell only when you need the money.
Someone with a W2 income can build serious wealth, quit their job, and follow their passion.
It sounds so deceptively simple but requires discipline for decades.

forget international, long term losers. keep it simple with a 2 ETF portfolio. You could go S&P 500 (ex: VOO) and Masdaq100 (ex: QQQM) in a 50/50 split to start easy.

Yes, I think adding international exposure or another diversifying element would strengthen the portfolio. Right now the mix is 100% U.S., heavily concentrated in large-cap tech, and missing entire parts of the global market. That’s fine if someone wants to place a concentrated bet, but it’s not ideal for a long-term, cycle-resilient plan.
Adding an international fund like VXUS or VEU would reduce the reliance on U.S. tech and give exposure to markets that move on different economic cycles. Including a small-cap value fund such as AVUV, VIOV, or IJR would also help because those stocks behave differently from large-cap growth and historically offer strong long-term premiums.
Even a simple structure like 60% VTI, 20% VXUS, 10% QQQM, and 10% AVUV would create real diversification while still keeping a growth tilt. It’s a more balanced approach that doesn’t rise or fall solely on the fate of one sector.

My 1st Portfolio
I’m 30 and new to investing, and I’ve been literally overwhelmed by all the options that are available for me to invest in. After a lot of research i have decided to stick to ETFs for the moment..
Please help me analyze my portfolio..
My monthly DCA budget would be 200 USD (300 usd exceptional case) .
Portfolio X
1. VOO
2. VXUS
3. BND
4. GLDM
5. SMH
I want to include QQQM and SCHD too but I’m not sure because of the overlap..

Got it, but another person said VT and what I have of QQQM and VOO is like 60% the same.

How about a proxy vote to merge into QQQM and save me 5bps instead? I’ll vote yes for that.

@ 25 skip divs go all growth QQQM VTI VXUS VTV yes skip schd for now thats for old folks like me. you want all growth when your 40 switch to 50-50 then at 65 go income heavy

QQQM or more risk SMH

Or they don’t like the deal and can’t switch to QQQM because of capital gains.

QQQM is Nasdaq-100 which mostly have tech names, while SCHG are growth-oriented companies including some outside tech companies.

Nope. QQQM is though and is the same thing basically.

i only have QQQM and SCHG