QQQM
Invesco NASDAQ 100 ETF
stock NASDAQ ETF

QQQM - 1000, rest 0

Between these 4 stocks/etf how would you divide up a $1,000 AMZN,HOOD,AMD, QQQM

Keep it simple long term. VT and QQQM or whatever tech etf you like

TBH, I have no issues with 100% QQQM if you have high risk tolerance and can stay committed during 30-40% corrections. Not everyone can. If you DCA, it helps to know that you’re buying in at cheaper prices on the way down.

Only asking b/c one of my >!boys!< told me to do 100% QQQM and I was sus about that!

You'd do better just buying the underlying assets and making your own income at exactly the amount and timing you needed it. QQQI and SPYI lag the QQQM and SPYM by about 4% per year. That's a huge loss compounded over decades.

FXAIX and VOO have identical performance so for me, the decision would come down to, do I prefer the user experience of buying/selling mutual funds, or of buying/selling ETFs?
If the rest of my portfolio was already ETFs (QQQM and VXUS) then I personally I would choose VOO to have an all-ETF portfolio. I don't see any advantage to having 1 mutual fund and 2 ETFs. Better in my opinion to have 3 ETFs, or 3 mutual funds.

Actually, 2025 was a better time to get into international stocks but it isn't too late. The cycle is probably just starting.
If you are under 30 years old I guess the heavy allocation to QQQM is OK but it overlaps 52% with SPY/SPYM so it increases your concentration in large cap tech stocks, which could be a good thing or a meh thing depending on how that sector performs.
With the current de-dollarization occurring it is probably wise to have a small position in gold. So you might have something like;
* 400 to SPYM or VTI or SCHB
* 100 to QQQM or SCHG
* 300 to VYMI or 200 to SCHF and 100 to EMXC
* 100 to IAUM
* 100 to SPAXX

The question isn't really about VOO crashing on its own. With VOO, VT and QQQM, two of the three are large cap US equity ETFs and the third is roughly two thirds of that anyway, so a bad day in one is a bad day in all three.
Three tickers, same neighbourhood, same drivers. The scenario worth thinking through is a quarter where all of them fall together and you watch the same number shrink across every line.
If VOO dropped 30% in a stretch and QQQM dropped more because it leans heavier into the same names, would you still be adding to all three from the Roth every month, or would you start wondering whether owning the same bet three times is doing anything for you?
Personally I'd want one broad fund as the core and treat the rest as a deliberate tilt rather than another version of the same exposure.

I’m not the most familiar with investing, I max out my Roth and buy VOO, VT, and QQQM with it, but could it actually just plummet?

could i start buying FXAIX instead of VOO in my roth ira moving forward? QQQM and VXUS will be untouched

Absolutely. Let this sit and avoid checking it every day. For a beginner, the bigger win is staying consistent and investing regularly rather than trying to time the market.
Your ETFs are already diversified, although SPY and QQQM overlap quite a bit. Just understand what you own, keep investing according to your plan, and rebalance occasionally if needed. No need to panic over daily price movements.
If you want more beginner friendly investing discussions, check out the community through my profile too. It has some useful insights that might help you too.

I do about 60% VOO 30% QQQM and 10% individual stocks which right now mine is in RDDT.

As people mentioned VOO and QQQM are just heavily weighting larger companies in your portfolio. No problem with that if that's what you're looking for. One thing to call out with that split is 25% of your allocation is going to fall within Nivida, Apple, Microsoft, Amazon, and Google. I would probably advise diversifying a bit more.
I'd probably drop VTI, go 70% VOO, 10% QQQ, 10% AVUV, and 10% VXUS. I am no financial advisor by any means and this also depends on how long you plan on being in the market for. If you're young def worth taking more risk and maybe upping the QQQ allocation (from my recommended 10% not your 40%) And maybe even doing a little less VOO.
In terms of overlap you can use [turtto.com](https://turtto.com/?tickers=VTI%2CVOO%2CQQQ&timeframe=1yr&graphType=adjclose&alloc=50%2C20%2C30&allocMode=percent) which allows you to easily view overlap in up to 6 ETFs at at time. Def a good idea to mess around with that tool to get a more holistic view of what individual stocks your allocations are going to.
https://preview.redd.it/ho3e0z3omjih1.png?width=2000&format=png&auto=webp&s=d291ede86fae852c376cece29e7789e29bdae963

I'd do QQQM and SPYM for much better overall returns:
https://testfol.io/?s=k8WfRopBde0
4% per year lower returns is substantial. Especially for only a modest reruction in volatility.

Der QQQM hat 0.15% aber ja 0.3 wäre mir ehrlich gesagt auch egal

Long reply ahead hahahaha
MP2 has, for the past decade, generally paid a higher dividend rate than Philippine REITs. And unlike REITs, you're not dealing with the share price going down and making you worry about your principal. Of course, MP2 still has inflation risk, and the dividend rate isn't guaranteed.
TBH, if your main concern with MP2 is that it's illiquid, I'd first ask whether you actually have enough of a financial buffer that you need liquidity from your investments. If you have a decent emergency fund and other backup plans, the lock-in becomes much less of an issue.
Also, you're still in your early 20s. You're literally in the investment age range that I, and probably a lot of other people, would love to go back to. You have something that becomes increasingly valuable as you get older: time.
Kung ako sayo, I'd keep it pretty simple: either go ultra-safe for income, like MP2, or go for capital appreciation through broad-market funds.
You probably dont have a huge amount of capital yet, so I wouldn't be too focused on building a dividend portfolio. Even if you're getting a 7% yield, 7% of a small amount is still a small amount. I'd rather focus on making the actual pile of money bigger first.
For the growth side, I'm talking about things like VWRA, VOO, QQQM, etc. DCA into them while you're working and let time do its thing.
Some people might tell you to skip the broad-market ETFs and just go straight for individual growth stocks like NVDA, MSFT, AMZN, META, etc. And yeah, those can potentially give you much higher returns. But you're also giving up a big part of the safety net that comes from diversification. If NVDA has a terrible few years, that's a very different problem from one company having a terrible few years when you own thousands of companies through an ETF.
You can still afford to take equity risk now. If the global market drops 30% tomorrow, it sucks, but you still have your job and other income. If magkaron ulit ng COVID-level of pandemic, you have time (and hopefully yhe aforementioned backup funds) to recover. You don't need to sell your investments to pay your bills. You have decades for the market to recover.
That's a very different situation from someone who is already retired or doesn't have active income anymore.
Later on, when you're older, you've accumulated substantially more capital, and you actually need your investments to produce income, that's when you can start shifting toward dividend/income assets if you want.
I'm personally not a huge fan of trying to build a portfolio around dividend stocks/REITs while you're still in the accumulation phase. A dividend isn't free money; the company is giving out cash to shareholders instead of retaining it for use towards growing or scaling the company. What matters to me at this stage is total return and growing the size of the portfolio, not whether the return happens to arrive as a dividend.
So basically: MP2 if you want the ultra-safe income bucket; broad-market ETFs if you're trying to build wealth. Individual growth stocks can be a higher-upside option, but you're taking on substantially more company-specific risk. I wouldn't personally split hairs over chasing the highest-yielding REIT when the amount you're investing is still relatively small.

So the SPCX which is below IPO price and SCHD which has underperformed QQQM and QDTE doesn't?

SPYI with QQQM
or QQQI with SPYM

30k into VOO. 10K into SPMO and 10K Into QQQM