XLK
State Street Technology Select Sector SPDR ETF
stock NYSE ETF

Way too many ETFs. Cap it at 3.
Revised:
- 50% SPYM
- 25% VXUS
- 25% XLK

I think this is mostly a what-kind-of-concentration-do-you-actually-want choice, not a huge performance edge either way. XLK is the cleaner mega-cap tech bet, while VGT and FTEC are a bit broader but still heavily driven by the same giants. If you already have a broad market fund elsewhere, I'd just pick the flavor you understand best and not overthink the tiny ER difference.

Way too many ETFs. Cap it at 3.
Revised:
- 50% SPYM
- 25% VXUS
- 25% XLK

I think this is mostly a what-kind-of-concentration-do-you-actually-want choice, not a huge performance edge either way. XLK is the cleaner mega-cap tech bet, while VGT and FTEC are a bit broader but still heavily driven by the same giants. If you already have a broad market fund elsewhere, I'd just pick the flavor you understand best and not overthink the tiny ER difference.

Go with barbell strategy: 1. Buy zero coupon bonds of each for next 30 years with face value of 50k for each year. It will cover your current expenses and solve dividend tax problem. 2. Buy high beta stock etf, either QQQ or XLK and hold for 30 years. You will adjust your portfolio in 30years then.

FTEC is .0084, but VGT has better liquidity/spread currently and a slightly larger set of mid cap equities - which may be pro or con depending on focus if looking at XLK also.

I like xlk. I’d rather have more weight in the bigger tech companies. Lowest expense ratio also. Overtime XLK also outperforms VGT slightly so it’s a no brainer to me to go for xlk for the lower expense ratio and outperformance.
https://portfolioslab.com/tools/stock-comparison/XLK/VGT

XLK vs VGT (or FTEC)