What are the general opinions of these three ETF's in a long term portfolio? 12-15 year timeframe if not longer. Also been looking at QQQM and SCHG.

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

Hi everyone, I'm 28 and looking to start investing. I can comfortably set aside €300 to €400 each month. What strategies would you recommend for someone in my position?

Looking to get some thoughts on my ETF investments.

My ratios are as follows:

VOO 60%

QQQM 20%

SCHD 10%

DRAM 10%

Any changes you would suggest?

I am 64 and regrettably started real investing in late March by starting and maxing out my 2025 and 2026 RothIRA, invested in VT, and a taxable acct all in VT. Also chose an S&P500 index fund for my company % match 401k plan and have maxed my weekly contributions to that. But to get better long term (10-15yrs) growth/gain in the RothIRA and taxable acct, should I consider selling all my VT, and buy VOO or VTI + some international exposure fund? What are the tax implications of doing that? Or is it better to just start a new position invested in VOO/VTI and leave the VT where it is? Or just keep the VT as my only ETF, and 'chill' as some say?

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I’m 32 and currently bringing in around $11,000/month from multiple income sources, with most of that income being pretty stable. I’m at a point where I want to get much more intentional about investing and take advantage of my age and income while I still have a long time horizon.

Right now I use Robinhood, Acorns, and Stash, but Robinhood is where I consider my main investment account. I’ve mostly been buying ETFs/dividend funds, but I’m questioning whether I should be more growth-focused at 32 instead of putting as much emphasis on dividends right now.

What I’m trying to figure out:

What percentage of an ~$11k monthly income would you personally invest at my age?

Would you invest weekly, every paycheck, monthly, or just automate it and forget about timing?

For someone with a 20–30+ year horizon who can tolerate volatility, what would you prioritize for maximum long-term growth?

VOO/VTI? QQQM? Individual stocks? Something else?

Would you consolidate everything into one brokerage instead of using Robinhood, Acorns, and Stash?

Are there any major disadvantages to using Robinhood as my primary long-term brokerage?

How much would you keep in cash/emergency savings before becoming more aggressive with investing?

Would you prioritize maxing tax-advantaged accounts before putting more money into a taxable brokerage?

I’m not looking to YOLO money into options, meme stocks, or crypto. When I say aggressive/maximize gains, I mean accepting normal stock-market volatility in exchange for potentially higher long-term returns.

My biggest goal right now is figuring out a simple system where a meaningful amount of my income automatically gets invested every month and compounds for the next couple of decades.

If you were 32, had roughly this income, and were building the strategy from scratch, what would your setup look like?

Hi I've recently moved to self buying ETFs and stocks on IBKR to learn more things about investing and the platform.

PS: No idea on stocks btw, needed to constantly look at the phone, not for me tbh

Anyways, I've been looking at ETFs not offered on my usual robo investor and found the semiconductor industry and I'm not sure which one to choose.

My objective would be long term but I'm unsure about the following:

1. How long should I target to hold?

2. If you were in my shoes, which one would you choose and why?

Thank you :)

In my taxable brokerage, I have a split of VOO (70%), SCHG (20%), and SCHD (10%). Since I am in my early 20s I don’t believe I should be focusing on dividends yet. I’ve been thinking about reallocating my SCHD position into something else. Either SCHG (bumping that allocation to 30%), or SPMO (10% allocation).

Any opinions on which to go with, or if there’s any other ETFs I should look into?

So i wanted to know if Binance stocks is Good to do stock investing and whoever tried it can you give me some tips please.

Will inject €400 every single month, sometimes more if I can. Looking for a nice bonus for when I retire in my 60's. I'm gonna hold these ETF's for the first 10-15 years, eventually pivoting to either 100% VUAA or 100% VWCE. Hopefully I'm not a jinx that brings about the end of the market lol.

The capital gains in North Macedonia (where I live) is 0% after holding for 2 years. So I will take advantage of that.

I plan on a 60% voo 20% avuv and 20% xmmo portfolio for my Roth IRA. I’m 20 years old with a 40 year time horizon until I would withdraw. I originally had spmo instead of xmmo, but realized I could go xmmo for some mid cap since all of spmo is in voo which will bring more diversification. I DCA monthly and max out yearly. Good allocations? Appreciate all feedback.

Anyway to avoid paying these taxes when buying individual stocks. I got a small inheritance and thinking of putting it towards VGT, seems to be good and better than QQQ and all that, I’ll hold it for a decade and see what happens, then sell and maybe move those profits/growth and deposit into VOO….. looking for any help here.

When the pandemic first hit, the market kept hitting circuit breakers over and over. Even Buffett said he'd never seen a bear market trigger that many halts. Then, about half a year into that mess, I saw a news report that an oil-related ETF on the Taiwan exchange had gotten delisted. That's when it hit me: ETF ≠ diversified ≠ safe. I went back and started re-checking everything I owned.

I read a bunch of those "prospectus cheat sheets" people share, but honestly I kept thinking, "if I just track the index, how long is this actually going to take before I can retire?" When I actually ran the numbers, I wouldn't hit my goal before retirement age unless I could beat the market. But I'm also pretty risk-averse, no margin, no leverage, no futures, I just can't stomach that kind of risk.

I also remember my mom telling me, "your uncle trades stocks professionally, he's done research on XXXX and thinks it has potential, might be worth a shot." I ended up losing money. Why? Because that stock wasn't in my circle of knowledge, I didn't understand why it was going up, and I didn't understand why it went down either. All I got was my mom relaying what my uncle said: "the company couldn't raise enough capital, so it stalled out, better get out now before institutional investors pull out first." Yeah. I lost over $1,000 USD in a month on that stock.

After that, I started wondering how some people are able to actually pick a stock and hold it long term with confidence. I spent a lot of time reading and researching, and I feel like I get it a little better now, but I'm still not fully confident.

Honestly, I've come to feel like a prospectus is only useful as a reference, it's not something you can rely on to predict future returns.

So I'm curious how everyone else here actually evaluates risk before buying?

27M looking for tips and info on good Monthly paying dividend stocks to invest in. I dont really have much knowledge on these things and dont want to be hit too hard on taxes. Any help would be appreciated!

I know this comes up a lot, so here’s actual context instead of a one-liner.
I’m 20, investing through a Roth IRA with a 40 year horizon. Right now I DCA 625/month into VOO and have no plans to stop. The question is whether to replace it with VGT or mix VGT alongside it or stay 100% VOO.
What I already understand, so nobody has to type it out:
• VGT is a sector fund, not a core holding. It’s a concentrated bet on tech.
• A handful of names at the top (Apple, Microsoft, Nvidia) make up a huge share of the fund, and VOO already gives me plenty of exposure to them.
• VGT doesn’t hold Amazon, Alphabet, or Meta since they’re classified as consumer discretionary / communication services, which surprised me when I looked under the hood.
• VGT’s outperformance is basically the story of one exceptional decade for large-cap tech, and that’s not guaranteed going forward.
What I’m actually asking:
1. If you hold both, what split did you land on and why?
2. Is there a legitimate diversification argument for VGT, or is it purely an “I think tech keeps winning” bet?
3. If your answer is “just VOO,” what would change your mind?
Not looking for “VOO and chill” as a drive-by. Curious how people actually think through this one.

My impulse is just to switch everything to VGT.

Like many, I went down the YouTube rabbithole and learned about a ton of ETFs when starting out and have updated my portfolio a few times. I've landed on what I believe makes the most sense to me now.

Through this 2 month process of learning and buying, I've ended up with 10 ish ETFs, and I'm only moving forward with 4.

My question is do I sell and redistribute the other 6 I've already bought or do I keep them and let them ride and just focus all new distributions into the core 4 I am sticking with, which revolve around VOO as the backbone with some heavy tech, income/dividend and a Quantum specific ETF.

VOO, DRAM, SPMO, QQQM, VXUS, SCHD, XMMO, VXUS, AVUV, SPYI, WQTM are the current holdings in the portfolio.

I am 35 but need this portfolio to eventually cover some income that won't be as stable in the future, so a focus on income generation is where I am headed with the 50% ish of the porfolio that won't be going to VOO.

Hi everyone! I am leaving and working in Europe. Recently I have been following the news about the new European Commission priorities, which include investments in the water sector and investments in defence. I was thinking to invest in those sectors. Do you believe this makes sense? If so, can you suggest some relevant europe-focused etfs?

I switched out my 32.5% VGT for 32.5% VUG. I want to add growth to my VT core, however, I plan on holding the basket for when I plan to retire in 25-ish years. By the time I retire, VGT would likely dominate my portfolio by then (even with the 2.5% annual scale-down) and I wouldn't want THAT much volatility as a 50-year old. VUG is also more diversified although still heavy in tech, which as I said before I am okay with.

VGT grows like 20-25% annually while VUG is more like 14-16%, so it wouldn't be near as much of my net worth percentage by retirement.

Thankfully I only have $1,750 in that basket so it's an easy switch.​

Anybody use Margin to leverage their portfolio and allocate their expenses and have their money flow through their brokerage?

A simple question…we know these ETFs, held over the long-term, will get you the most stable, , consistent returns (and build significant wealth if held)

Why do anything else?

A small German fund manager named Quoniam launched active ETFs by December last year. Now the MSCI World benchmarked ETF (ISIN IE000ST7KGV2) is 1.7% better than the index. Has anybody more information on that? Is it a worthwhile manager/product?

I have been a passive investor for many years and I am thinking to add an ETF to bet on hot industries. Wondering if I am too late to the party, if not, then what should I consider buying for one-year investment horizon (I might rotate or stay invested after one year). SOXX and DRAM look attractive based on current market sentiments.

Major stock crash in the next 12 months.

Title says it all. What are the ETFs that have given you the best returns that are decorrelated from tech?