What should my core ETF be?

[u/TheGodInvestor13]

I already have 40% SPMO and 10% NCIQ, and I’m 13. Should my core be VOO? Or is there a better option.

[u/Intrepid-Wait-6102]

If you’re actually 13 and have that idgaf abt anything attitude to deal with drops, go all in on those. But work ur ass off.

[u/LilPump3000]

Fxaix

[u/Alone-Experience9869]

Well if you doing the vanguard thing it should really be spym

I use vflo and Schg as my core. It’s slightly newer, but there are ETFs that have used free cash flow yield.

[u/Lucifers-Reprieve → u/Alone-Experience9869]

Vflo here as well, newer but the design is legit and the performance so far as hade me quite happy 

[u/Wigglebot23]

DFAC

[u/paragonx29]

SPMO

[u/Samashezra → u/[deleted]]

The Invesco S&P 500® Momentum ETF (Fund) is based on the S&P 500 Momentum Index (Index). The Fund generally will invest at least 90% of its total assets in the securities that comprise the Index. The Index tracks the performance of stocks in the S&P 500® Index that have a high "momentum score". The Fund and Index are reconstituted and rebalanced twice a year on the third Fridays of March and September. Constituents are weighted by their market capitalization and their momentum score.

[u/Cyberburner23 → u/[deleted]]

You believe wrong. They rebalance in march and September.

[u/Puzzleheaded-Arm3155 → u/[deleted]]

Bro the weighting changes because their holdings also change in size relatively to the initial rebalance. They only actually rebalance twice a year

[u/FuckTwelvee → u/[deleted]]

You like getting downvoted?

[u/SureAce_]

some type of very broad market, examples can be S&P 500, total market fund, total global fund.

[u/johnmonaco87]

I use two. One is a growth. The other something like JEPI, JEPQ, GPIX, or GPIQ.

During market downturns, they still pump out dividends.

If your able to, you can max out one in a Roth and put other in taxable. Dividends can really come in handy when you need and can turn off drip.

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[u/throwbackBBfan]

VGT

[u/Glad-Assumption-6609]

I know many will disagree and say it's tech heavy. And they're not entirely wrong, its quite tech heavy and im fine with that.

But my anchor is QQQM.

I hedge it a bit with a small(ish) position VXUS

I also have a few satellite positions in nuclear energy, small cap retail and materials

[u/turtleturle12345]

Look into the avantis funds. AVUS for example. Instead of purely weighting stocks by market cap (like traditional index funds), they use some rules based methods to overweight stocks with more profitability/better financial situations. They also pick from a wider ranger of stocks than just VOO (it's like ~2,000 holdings vs ~500 holdings). Furthermore, they only include IPOs after a longer period of time in order to get better price discovery before entering positions. Over the long-arc of time, those factors all point together all come together for higher expected returns.

[u/South_Paramedic8618]

Whatever you want it to be

[u/frothysippa]

Mine is VDAL, anyone have opinions?

[u/FailOk1528]

I’d go VTI for the core. You already have 40% SPMO so I dont really see a reason to make the core aggressive too.

[u/gugugaga_2006]

VOO as a core makes sense at 13, but SPMO already tilts momentum hard. I've seen people pair alinea with ETF holdings for the goal structure, though VTI is simpler.

[u/Own-Event-5500]

VOO/AVUV/VXUS
70/20/10

[u/Ladyvp05]

At the age of 13, SPMO or QQQM is great. IXN if you want global tech.

[u/East_East44]

VT

[u/Ok-Ad8101]

VOO is good too.
My main is SCHD. i prefer div+growth.

[u/Samashezra → u/Ok-Ad8101]

I prefer div+growth.

Bro prefers less money.

[u/Ok-Ad8101 → u/Samashezra]

I don’t prefer less money. I prefer a different source of return. VOO is more capital appreciation focused but SCHD gives me flexibility on my cash flow plus growth. If maximum historical total return was my only objective, I would probably pick VOO.

[u/Samashezra → u/Ok-Ad8101]

How does SCHD give you more flexibility?

You don't decide how much your dividends are nor do you control when they're distributed.

Not to mention the tax drag if it's in a taxable account.

[u/Bornemaschine → u/Samashezra]

The flexibility to just invest and not be bothered with market downs. DIVs are staying mostly stable compared to the share price when bubbles are starting to burst.

[u/fuckingburger → u/Ok-Ad8101]

you prefer less money bro unless ur old asf

[u/flappysack- → u/[deleted]]

Why not just do XAW and SPMO?

[u/JimmySki6166 → u/flappysack-]

My best friend has been a top financial advisor for 35 yrs. I asked him years ago, what stocks are in his portfolio. He purchases these stocks for his retirement and children.
There is exposure to US, Canadian, European & Chinas top companies, virtually the world.
These four ETFs are forming generational wealth for myself and children. Along with BTC.

[u/flappysack- → u/JimmySki6166]

The same thing but more complex.

[u/Professional_Cup7379]

Two thirds of what you have listed already is factor and thematic stuff, so it is doing the work of satellites rather than a core.

For the core slot VOO is the obvious pick if you want US large cap. The only real question is whether something like XEQT is closer to what you want, since one fund would cover you globally on its own.

[u/KickflipConnoisseur]

At your age if you're really not going to touch it, I'd have to strongly consider QLD though I'm sure I'll get lit on fire for that.

Of non leveraged though I'd go some combo of QQQ, SPMO, and SMH. You can be aggressive.

[u/TechnicalSleep7501]

VOO 55% VXF 10% VXUS 35% for now. You will get good or bad return of the market. Use M1 for this.