QQQM
Invesco NASDAQ 100 ETF
stock NASDAQ ETF

SPY and QQQ are for traders, not really the type of people that would be in this sub.
SPLG and QQQM are identical with a lower ER and would be better for a beginner who should not be worried about options liquidity.

No, you're not stupid. We invest in both since at times one does better than the other so the returns balance out. What I would not do is invest in those individual stocks when those are prominently included within the other index funds already. Also, you should be in QQQM instead of QQQ since the expense ratio is lower. If it's a taxable account and if you have a lot of gains, you could just leave QQQ and start investing in QQQM. But if your gains are still small, I'd sell the QQQ and move to QQQM.

QQQM replicates QQQ with a .15 ER.

I picked VOO, SCHG, QQQM, and SPMO. Because why not. Shovel all your money into one or all of them and keep doing it and eventually it takes care of you. Fail to do that part and no ETF will work. VTI and SPLG are also bangers. You can’t go wrong unless you forget that you have to work your ass off and shovel cash into the fund over and over and over again until you’re well off.

The first picture is my roth, 2nd is brokerage. Advice welcome. My goal is steady growth. Is my retirement okay enough? Should I add something like QQQM or VOO?

QQQM is managed by the same company that manages QQQ, has the same portfolio and performance as QQQ, but QQQM has a lower expense ratio (0.15%) than QQQ (0.20%) and QQQM has a lower share price ($212) than QQQ ($514), which matters for customers of brokerages like Charles Schwab which don't sell fractional shares of ETFs. QQQ is aimed at traders, QQQM is better for buy-and-hold investors.
SPLG and VOO are S&P 500 index funds like SPY, have the same portfolio and performance as SPY, but both have lower expense ratios and share prices than SPY. SPLG is managed by the same company that manages SPY and has the same portfolio and performance as SPY. SPY is aimed at traders, SPLG id better for buy-and-hold investors.
SPY and QQQ have higher volumes and liquidity than SPLG and QQQM and are therefore favored by traders.

SCHG and FSPGX are almost the same. For me, it was just a personal preference for sticking to ETFs to be able to sell anytime during the day in my Roth IRA. SCHG is based on the Dow Jones Growth index, and FSPGX is based on Russell 1000 growth. Both are really good.
Their method worked better in the past compared to the me the QQQM method of selecting only 100 Nasdaq companies (ignoring NYSE large-caps in the process). Also, it has a much higher expense ratio. If I want to get QQQM, I would go with FTEC or VGT, but the problem with FTEC is that it is tech heavy and still missing META, Amazon, Alphabet, Tesla.
Anyway, you can also check and compare their past returns in a website called totalrealreturn and decide what is good for you.
https://totalrealreturns.com/s/SCHG,SPLG,FSPGX,QQQM,USDOLLAR
Edit: If you add QQQ or AVUV, it probably performed better in the past. But, I dont like their high expense ratio. At that price, I am looking at my money goes ballistic! (something like Bitcoin ETFs: FBTC or IBIT)

Is VOO overlapping with QQQM too? I think it is 🤦‍♀️

SCHG and FSPGX are almost the same for me just personal preference of sticking to etfs to be able to sell anytime during the day in my Roth IRA. SCHG is based Dow Jones Growth index and Russell 1000 growth. Both are really good.
Their method worked better in the past compared to the me the QQQM method of selecting only 100 Nasdaq companies (ignoring NYSE large-caps in the process). Also, it has much higher expense ratio. If I want to get QQQM, I would go with FTEC or VGT, but the problem wirh FTECH is that it is tech heavy and still missing META, Amazon, Alphabet, Tesla.
Anyway, you can also check and compare their past returns in a website called totalrealreturn, and decide what is good.
https://totalrealreturns.com/s/SCHG,VOO,FSPGX

Like the comments here. Prefer QQQM.
Also if we’re talking retirement accounts, also add IBIT or FBTC to have Bitcoin exposure.

QQQM, FBGRX, FSELK.

Then just go VOO/QQQM and forget about it

As many here said, to both. But, at your age growth is a great idea. Long time to wait out the rollercoaster.
If you are a buy and hold top investor not worried about options, go QQQM. Literally the same thing but much lower expense ratio.

Increase your 401k, you’re overpaying taxes.
Work on automation. Some reasonable % of cash savings each month should be auto VOO or QQQM, whatever you think is reasonable, then just work to increase that.
Only three numbers matter: monthly income vs monthly expenses vs monthly auto investment.
It gets trickier for business owners because you guys in a sense “do auto investment” in your own business.
But the underlying habit and financial hygiene principle is the same: set to auto. Sell when you have something urgent to pay for. Have emergency fund. Don’t listen the news. Best of luck. Sounds like you will do great!!

I’m mostly VOO but have a decent QQQM position. QQQ has outperformed since 2002, and reasonable (to me) to think tech continues to outperform. To me VOO is the benchmark I measure everything else against.
I hold VXUS too, though I’m not expecting a lot from it.

30 Year Old Male.
Currently rebalancing and trying to be more evidence based as a US investor. I would buy all VTI, but I can only by VOO in my 401k so that's why it's mixed. I'm essentially treating it as the same to save the headache. Here's what I'm thinking:
|Ticker|Allocation|Description|
|:-|:-|:-|
||
|**VTI/VOO**|35%|U.S. total market / S&P 500 (core blend)|
|**QQQM**|10%|Large-cap U.S. growth (tech-heavy)|
|**AVUV**|15%|U.S. small-cap value|
|**VEA**|15%|Developed markets (large/mid blend)|
|**AVEM**|10%|Emerging markets small-cap value|
|**AVDV**|10%|Developed international small-cap value|
|**MTUM**|5%|U.S. large/mid-cap momentum|

I’m considering a strategy. I already have about $20K invested in MSTY, which brings in nearly $2,000 in monthly dividends. I’m thinking about using my Margin Total of $22K to buy more MSTY, bringing the total investment to $42K. The plan would be to use the dividends from the full position along with the $3,000 I add to MSTY each month to pay off the margin in about four months. Is this a solid approach?
My long-term goal is to build up to a $100K investment in MSTY, aiming for around $10K in monthly dividends. After reaching that target, I plan to start reinvesting those dividends (10k) into more stable ETFs like SCHD, VOO, JEPI, QQQM, JEPQ, and QQQI for long-term growth and diversification. I also have a Roth IRA with about $14K fully invested in VOO to complement this strategy.

Its been flat for last couple of years. Look to SCHG and QQQM as better choices. GPIQ and GPIX for dividends. Given the market fluctuations start with 1000 to 10000 in each. DCA each fund over next year. You dont want to loss +10% when going all in.
If Grandma has stocks and ETFs keep them in kind as the cost basis is based on when she purchased them.

I see nothing wrong with holding VGT, or XLK, or QQQM plus some individual names to increase your exposure to what you consider conviction holds.

An investment property with your sister in law? So you’re actually thinking about selling strong performing stocks to purchase a job with your sister in law. Real-estate isn’t sit back and do nothing but collect money. Unless you’re going to give up a ton of profit to hire a management company, you’re getting a job. Your stocks aren’t going to cause a massive fight with your family where your sister in law never speaks to you again but real-estate will. Your stocks aren’t going to have a squatter, need a $20,000 roof replacement, sit vacant for months while you scramble to find a renter, have rising insurance costs, etc… but real-estate will. If you want to sell your Microsoft shares and buy VOO or QQQM that’s something to discuss but selling to buy real-estate with a relative is a very bad move.