QQQM
Invesco NASDAQ 100 ETF
stock NASDAQ ETF

I feel like people in this sub want to invest and forget. I feel like we should be doing so annual due-diligence and rebalance when warranted.
Personally I would go QQQM and SPMO or SMH and SPMO, but that’s just me. I’ll probably get downvoted to hell for saying that, but I do tend to he an aggressive growth investor. Not ‘Wall-street Bets’ level - but ‘conservatively aggressive’.

I do 100% QQQM in Roth and 100% VOO in 401k. Gonna do MSFT in my brokerage starting 2026. MSFT is an amazing company.

Why QQQ and not QQQM?

I meant IDMO as a replacement for VXUS.
SPMO and SMH, then also IGM rather than QQQM, and IDMO rather than VXUS.

What do you think about this possibility for a taxable acct at Fidelity
55% S&P 500 (VOO)
15% QQQM (growth/tech tilt)
20% VXUS (international)
10% AVUV (small-cap value tilt)

How about you never buy Bonds? Just buy an ETF like SPY or QQQM

SPY and QQQM. Keep Roth in ETFs

Index funds like VTI, VOO, VXUS, VT are for core positions in your portfolio. It’s prudent to hold a majority of your portfolio in these index funds.
SCHG, SPMO, QQQ/QQQM, etc. are for the aggressive growth position in your portfolio. How much you put here depends on your situation and risk tolerance. I would not put 95% here.

If your goal was to just invest in only the largest companies, there are index ETFs that have fewer holdings than the S&P 500. For example:
* MGC (Vanguard Mega Cap): 185 holdings
* QQQM (NASDAQ 100): \~105 holdings
* XLG (S&P 500 Top 50): \~50 holdings
* TOPT (iShares Top U.S. Stocks): 20 holdings
This would at least save you from having to do all of the rebalancing and all of the taxable events that go with it. However, this is a concentrated risk in two ways. First, you are making a bet that the largest companies will outperform smaller companies. That bet pays off some years and it loses in other years. But you have additional risks because the mega caps in the U.S. are currently technology companies. Anything that happens that causes technology companies to be less profitable can wipe you out, since you'll have no holdings in say, healthcare or energy to offset those losses.

There is valid discussion amongst investors on how much diversification is enough, and whether too much diversification can hurt your returns. But generally, Bogleheads wouldn't use a fund with fewer holdings than the S&P 500 as their "US equities fund" unless they were building a more complicated portfolio (buying mega cap, large cap, mid cap, small cap index funds separately and weighting them appropriately).
I tried to balance you out with an upvote. I think what you proposing to do is silly/a bad idea, but there is nothing wrong with asking a question.

> majority to VTI/VXUS (Isn't that just the same as VT?) and smaller percentage to QQQM and SPMO for some limited tech exposure
VTI already has 32% tech
VXUS has 13% in tech

trading xauusd and btcusd is a bit different from investing: if you are good at riding the waves up and down go for it. I recently made some nice profits with URA, GDX, SLV options, but I figure it just takes too much attention & 1 or 2 wrong turns can quickly wipe you out.
So I would look something longterm: in my Roth IRA I have QQQM (nasdaq) because I think with AI revolution tech will outperform S&P 500 for at least a few years to come.
Personally 11K I would throw (and have thrown) into FNMA FMCC, there's a reddit for that: [https://www.reddit.com/r/FNMA\_FMCC\_Exit/](https://www.reddit.com/r/FNMA_FMCC_Exit/)

The first advice from me would be: not to be tempted by greed.
Yes, the stock market will make you money. There's tons of tickers that will be advised to you.
But stick to your long-term goals, not just to make a short-term gain.
It's easier to lose money than to make them. Akin to skiing or skating, the first lesson is 'how to pull the breaks'.
That being said, $VOO, $VTI, and $QQQM or similar long-term low-cost index funds.

QQQM is 120% on the 5 year, SPY is 101%.

No, Set up recurring investments and put in X amount of dollars regularly in your favorite ETFs. Voo/VT/VTI, VGT, SPLG, SPMO, QQQM, SCHD are all popular, high quality investments. Investing in regular internals like $200 a week for example will allow you to build a strong portfolio over time.

Okay thanks everyone I just bought QQQM. This is fun!! But it’s like learning a foreign language. Any “investing for dummies” books you’d like to recommend? 😁

If you are seeking highest returns and already have enough saved to live in retirement you could look at something with leveraging such as a 40% QLD/60% VXUS (or 60% SPMO).
If you are not properly funded for retirement then I would say any proper mix of ETF’s. Personally I favor QQQM and SPMO, but to each their own. Just make sure YOU are comfortable with selection.

I realize that the risk is there that there could be a significant drop in tech stocks so that's why I am also considering SPMO and VXUS. I was originally thing going all in on QQQM but realized that was not very smart and carried a lot of risk. I have seriously considered the safer VTI/VXUS combination for more piece-of-mind. I know SPMO is somewhat tech heavy at the moment but that can change every 6 months in case tech starts declining. So maybe.... a majority to VTI/VXUS (Isn't that just the same as VT?) and smaller percentage to QQQM and SPMO for some limited tech exposure. It sucks I don't have 30 years to let it grow so I have to figure out the safest path between decent growth and safety.

Just keep adding as much as you can to QQQM or VOO on an auto basis. All that % stuff is just going to friction to you upping your auto.
It’s not the recipe that matters, but the intensity. Set to auto. Don’t rely on self discipline. Sell only when you have something urgent to pay for. Spend less, invest more. That’s it. Nothing more to know. Or hire a pro if you want all that fancy % stuff (but not necessary). Best of luck.

I’d drop QQQM. Too much overlap.

35M I made a post recently about being a little late to the game with Roth IRA accounts and just opened one not long ago. Before, I was investing more unconventionally through real estate, but better late to the Roth retirement account then never.
I came up with a Roth IRA portfolio of: 50% VTI 20% VXUS 15% VGT and 15% QQQM.
I've gotten some feedback from that post and have a new split of 50% SPMO 20% XMMO 15% VGT and 15% QQQM.
Now I was looking for feedback on my brokerage account. Currently it's comprised of individual stocks that I've just bought and been holding. It's done quite well recently, up 110% since 2022 but I'm well aware that you could have pretty much picked any stock and made money the past few years.

So that leads me to this post, I want to add more stability and start reallocating and distributing my funds differently, mainly adding some ETFs to it. So this is what I came up with to balance and not overlap the Roth.
35% VTI 20% SMH 20% SCHD 15% ARKK and 10% to explore ie individual picks.

currently my 401k is primarily VOO.

Does this seem like a sound strategy, diversification? Any and all feedback welcome and thank you in advance.