FTCB
First Trust Core Investment Grade ETF
stock NYSE ETF

Here’s a few things…
1. QQQM is objectively better than QQQ although neither are smart investments in my opinion. QQQ(M) is arbitrary and adds uncompensated risk to your portfolio.
2. Crypto is speculative and lack intrinsic value… more uncompensated risk. I’d seriously avoid FTCB or other Crypto exposure especially with a .40% ER.
3. Dividends are largely irrelevant in the accumulation phase. There’s no benefit in seeking out high dividend companies, although they tend to be more “value” associated. I’d dump SCHD also. I’d you want value fund consider Avantis’ funds.

Here’s a few things…
1. QQQM is objectively better than QQQ although neither are smart investments in my opinion. QQQ(M) is arbitrary and adds uncompensated risk to your portfolio.
2. Crypto is speculative and lack intrinsic value… more uncompensated risk. I’d seriously avoid FTCB or other Crypto exposure especially with a .40% ER.
3. Dividends are largely irrelevant in the accumulation phase. There’s no benefit in seeking out high dividend companies, although they tend to be more “value” associated. I’d dump SCHD also. I’d you want value fund consider Avantis’ funds.