SPYM
State Street SPDR Portfolio S&P 500 ETF
stock NYSE ETF

Isn't SPYM similar to VOO but a cheaper price?

i totally see where u’r coming from – SPMO already holds a ton of the same big tech names as QNDX and FTEC. If you’re looking to trim overlap, killer combo is SPYM + SPMO + AVUV for core, then maybe add one factor orbit like FMTM or XMMO if the extra tilt feels worth it. keep it simple and you’ll reduce trading noise and expense ratios too.

It's not horrible but definitely below average for that time period. I pulled in 15.21% and my investment portfolio is fairly moderately risked. S&P500 did about 16.5% in that same time.
I'm guessing that your majority is NOT in the index funds you have listed? I assume because most of those should have been well over 10% except MS and Tempus.
Focus on the Index funds and, as another commenter said, check out https://www.bogleheads.org/forum/
You also have 4 funds that basically have the same things: VOO, SCHWAB S&P 500, PREIX, and the first half of SCWAB 1000. Of the 4, I'd stick with VOO.
You also need to be careful of funds that have a "Schwab Transaction Fee". That means they are charging you $75 for every trade of that fund. PREIX is one of these. No reason to pay that when VOO is the same index with the same 0.03% expense fee. Or drop into SPYM (also a SP500 index) for a 0.02% expense.
One thing I see you doing right is consistent deposits. That's key. whatever you can put in, whenever you can put it in, helps tremendously. Due to the compounding effects, if you keep this up and invest in a few index funds (and don't touch them!) then suddenly you'll have a LOT. I only had 10K pre-Covid and knew hardly anything about stocks. I started pumping in money in March 2020 and learning about investing and trading and suddenly, 6 years later, I'm only 2 years from retiring at age 50. IOW, keep it up! A 10% return is better than no return.

It sure isn't bad. Just keep adding to it as much as you can for the rest of your working life if that's the route that you wanna go. You would likely be better off in a broad market index fund like SPYM though but Google is not a bad investment by any means.

45-47 "Trump Account".
Currently invests into SPYM with a $5k annual limit.
Can withdraw at 18 for education expenses (pretty broad) or do a Roth conversion.
My kid (2) has $10k in it, if he withdraws for college at 22 it's worth $67k. If I can talk him out of college and roll it into an Roth while he has no income it will be worth $3M at age 62.

Just DCA monthly 20% of your paycheck into SPYM/QNDX and leave them there for 10 years. Your investment value will most likely double the amount every 5–7 years.

But it doesn't have the lowest. VOO has an expense ratio of .03%. FXAIX has .015%, SPYM has .02%, SWPPX .02%, and they are all the same S&P index fund. And all of them are lower than VOO.

Yes. That's what the data... and what many Redditors have commented on indicates, and has me wondering if I should consider a full switch to VOO or SPYM, or even VTI at end of the year. I have been fully invested in VT in my RothIRA and Taxable acct. If I do make the switch, and cash out of VT, I presume I cannot avoid a taxable event, even if I immediately reinvest it all back into VOO...or other mentioned index ETF? Also, I have only been actively investing since start of April, but don't want to get so far in with VT if it may not be aggressive enough, and I need a solid growth ETF for at least next 10-15yrs at my current later age. Don't know if VT is the best fit at this point to do that, even if it offers compensated risk, being very diversified?

First, educate yourself. We can't post links to YouTube here, but go to the Charles Schwab YouTube channel and watch the playlist "Investing Basics" then watch the playlist "Investing & Portfolio Management". If a video is in both playlists you don't have to watch it twice.
Also, review these:
[https://www.schwab.com/investing-principles](https://www.schwab.com/investing-principles)
[https://www.fidelity.com/viewpoints/personal-finance/how-to-start-investing](https://www.fidelity.com/viewpoints/personal-finance/how-to-start-investing)
[https://www.investopedia.com/articles/basics/11/3-s-simple-investing.asp](https://www.investopedia.com/articles/basics/11/3-s-simple-investing.asp)
[https://www.marketbeat.com/videos/index-investing-for-beginners/](https://www.marketbeat.com/videos/index-investing-for-beginners/)
[https://investor.vanguard.com/investor-resources-education/article/how-to-start-investing](https://investor.vanguard.com/investor-resources-education/article/how-to-start-investing)
I also recommend the book *The Millionaire Next Door*.
**After** you have looked at that stuff above, you will want to pick a brokerage. I recommend either Charles Schwab or Fidelity Investments. I do not recommend Robinhood although some people will tell you it is great. You can open accounts online with both Schwab and Fidelity for $0, download and try out their apps, check out their websites, and go with the one you like better.
After you pick a brokerage, you will need two accounts: a Roth Individual Retirement Account (IRA), and an individual (taxable) brokerage account.
The first thing to do is put money in the brokerage account to use as an emergency fund that would cover at least 3 months of living expenses. That is important. The emergency fund should be in the Exchange Traded Fund (ETF) SGOV or in a money market account. You might also want to have part of your emergency fund in a High Yield Savings Account (HYSA) for immediate access. The brokerage account would also be a savings account to save for a vacation, vehicle purchase, or the down payment on a home.
At the same time you should put money into the Roth IRA. There is a limit to how much you can contribute each year, and this year is almost over, but you can contribute until April 15, 2027 for the 2026 tax year. The contribution limit for 2026 is $7,500 and it usually goes up a little each year. Try to hit the limit ("max out") every year.
The money in the Roth IRA should be invested in a world stock market fund, or in a US stock fund and an international stock fund. Which particular funds depends a little on which brokerage you use. At Fidelity I would use 70% FZROX and 30% FZILX. At Schwab I would use 70% SPYM or SCHB or SCHX or SWPPX or SWTSX (just one of those) and 30% VYMI or SCHF or SWISX (just one of those). Or you could use SPYM or SCHX or SCHB or VOO or VTI for the US fund and VYMI or SCHF or VXUS for the international fund at either brokerage.

Check SPYM. Especially if you plan to DCA. It's identical to VOO, but less expense ratio and lower share cost. I like it's ~$90 share cost to DCA full shares every day or so.

No risk: SGOV (3.6% annually, ties inflation)
Low risk: VT (is a bet on the world economy, which I personally wouldn't participate in)
Medium risk: SPYM/VOO (bet on America)
High risk: SPMO, QQQM (bet on profitability of AI/tech sector)
Crazy risk: QLD, SPUU (huge short term bet on tech/America)
Genuinely do not do this: TQQQ, SPXL (yoloing everything and you would lose it all in a crash)

SPYM

Until you learn more about investing, best to just put it into SPYM. Nothing more than that isnl needed for now

SPYM.

Better choice than VOO? Maybe SPYM, FXAIX, FNILX, ETLGX (/s, mostly). 
If you're truly very ok with risk, FTEC seems pretty well managed right now. 

SWPPX, or SPYM if you prefer an ETF. I would pick either of those over VOO.
SWPPX allows for automatic investments of as little as $1 as often as weekly. Schwab doesn't have automatic investment for ETFs including SPYM and VOO.

100% VOO (or SPYM, FXAIX, FNILX, ETLGX, whatever - just be aware of the expense ratio and the tax implications of the fund you hold) is a legitimate and common strategy. 
There are good arguments for robust ex-US allocations (https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4590406), but Jack Bogle and Warren Buffett were both comfortable with 100% US due to the regulatory and financially transparent environment. 

I just hit my goal of getting 100 shares of MAIN for a small dividend satellite. And plan on moving all new money into a 30% SPYM 25% SPMO 25% QQQM 20% SCHD plan. Any ideas or advice if I’m making a huge mistake and if so where I should forward new money into? Thank you.

SPYM has 0.02%.