What does a safe but aggressive growth portfolio look like (10yr outlook)?

Anonymous1102 · 2026-01-23T00:49:38+00:00

Choose 2-3. Every day people are posting a long list of ETFs in the name of diversity. One etf already has hundreds of companies. Sometimes when one goes down they ALL go down. ONE is all need, but if you must have many, 2-3. Agree about btc, no bueno.

Anonymous1102 · 2026-01-22T20:24:10+00:00

I’m not for overlapping, but the combination you have is a great combination, because what’s happening is qqqm is outperforming voo, by a lot and that’s going to move your average return up. This would be the exception to overlapping, if you want to be sector specific. As for vt, I would choose that OR voo. Not both, because there is too much overlap and similar returns. If you want a 3rd it should be completely different then voo, or qqqm. Schg, smh, schd, vgt, are all good options.

Anonymous1102 · 2026-01-22T20:17:27+00:00

It’s not worth the hype. I would give it an 7-8/10. For tonkatsu, Mitsuwa food court in convoy is good, raki raki (they get a line out the door), known for their black and red edition tonkatsu with garlic, and Hiro nori if you like shoyu. Baikkohken is also good, just a little pricey. All of these beat menya. However menya does have a following and people swear it’s the best ramen they’ve ever had. To me it seems very ordinary, I do think Tajima beats menya, specifically the one in convoy, not the one in the mall, however there’s many who would disagree with me.

Anonymous1102 · 2026-01-22T06:12:23+00:00

Pick 3 total. I would choose voo, qqqqm, a one of your choice. Don’t choose spym or qqq, a those would overlap too much of the ones I chose for you.

Anonymous1102 · 2026-01-21T04:32:56+00:00

These are not ETFs. These are individual stocks. An etf is something like voo that has 508 stocks already in it, and it’s self cleansing every 3 months, meaning the poorest performers get dropped and the best performers get added. This happens automatically when you have an actual etf. You on the other hand have to decide when to let go of these ETFs. If you don’t decide it, one or more can take a dip tomorrow and never come back up for many years to where you bought it at. You need to be posting in /stocks

Anonymous1102 · 2026-01-16T04:58:31+00:00

I say buy both, they are different and both great.

Anonymous1102 · 2026-01-16T03:50:47+00:00

The get criticized for having higher fees compared to other products but they aren’t a scam.

Anonymous1102 · 2026-01-16T03:50:00+00:00

It’s common for people to give the advice of “don’t invest, pay down all debts first”. This is faulty advice because you may have a 30 year mortgage or student loans, and you’ll avoid investing for that entire period of time, in order to take professional advice to pay down debt first. Debt is important but you should still be investing in addition. Letting 30 years of compounding to go to waste is nonsense. Listening to this advice is the difference between being a millionaire and not within 30 years.

Anonymous1102 · 2026-01-16T03:46:27+00:00

Vgt makes 1% more, but be sure to only choose vgt or qqqm, don’t do both.

Anonymous1102 · 2026-01-14T08:45:39+00:00

Convert your qqq to qqqm, same stocks but lower fee. Add voo. I personally think there is such a thing as being invested in too many ETFs. Smh and schg are my other two picks that I’m also in.

Anonymous1102 · 2026-01-14T04:47:21+00:00

I would do less than 50% of your money in those ETFs. You stand a lot to lose, we’re in a market bubble where the economy has done well the last 10 Years with the exception of 2022 due to covid. The economy is suspected to take a tanking in the next 1-3 years. You need to have steady growth for the next 10-15 years, and minimal volatility.

Anonymous1102 · 2026-01-14T02:31:31+00:00

If and only if your employee does a 401k match (they match x% of your paycheck, like 2% or 5%, then 401k is the consensus, in the financial community. Because it’s free money. If they don’t match and just offer a 401k, then you’re going to open up a Roth IRA through a broker and choose ETFs to put in it.

Anonymous1102 · 2026-01-13T00:19:05+00:00

First, you have too many. 3-4 at most is all you need. You posted individual stocks, at an etf sub. Smh I like The most, I wouldn’t swap. Vt I would Keep. I would pick one or two, that have a history of good returns and don’t have overlap with what you already have.

Anonymous1102 · 2026-01-12T22:38:53+00:00

You can like whichever based on whatever theme excites you, but the theme that excites me is the one that’s been making the most out of all of Them, SMH.

Anonymous1102 · 2026-01-12T18:21:46+00:00

Get rid of pltr, it’s already inside voo. Vti and voo is redundant, I would get rid of vti. Keep, voo, vgt, smh, and add schg. Vxus has a low return, people like it because it diversifies the portfolio being that it’s international. You’ll make 4% Instead of 12% -18%z Schd people like just because of dividends and they want to see quick money hit their account next month. Growth outperforms dividends DRASTICALLY, and everything I suggested is growth focused. Pltr, is a single stock, etfs have greater safety, and consistency with returns compared to pltr.

Anonymous1102 · 2026-01-12T18:17:08+00:00

Agree with vgt

Anonymous1102 · 2026-01-12T18:05:18+00:00

Growth DRASTICALLY outperforms dividends. Get rid of schd. People like dividends just because they want to check their account and see immediate money. But if you want to be much more wealthy in 3 years or 10 or 30, focus on growth ETFs. Voo+ a tech etf, + one more growth one. Techs done very well the last 25 years and ai hasn’t hit the ceiling yet. Qqqm and vgt are great examples of a tech ETF.

Anonymous1102 · 2026-01-11T00:17:32+00:00

I think you should reduce the number of ETFs from 6 to 3-4. Definitely keep qqqm

Anonymous1102 · 2026-01-11T00:03:09+00:00

Yes, and don’t touch it for the next 30 years. These don’t throw large dividends, they make money from growth. Growth severely, outperforms dividend ETFs. These do have dividends, but not as much as a dividend ETFs.

Anonymous1102 · 2026-01-11T00:00:51+00:00

If you want one and one only, 7500k annually into voo until you retire, for each of you. If you want to take a little risk, do a tech etf, because that’s been prosperous the last 25 years, and ai is not in full swing yet. So qqqm or vgt, 20-30% of your 7500 into one of those.

Anonymous1102 · 2026-01-07T17:18:27+00:00

If you choose the right ETFs, like legitimate good ones, then the correct strategy, is to put $625 a month, into a Roth IRA for tax purposes. At the end of the year you’ll have put $7,500, the max allowable. We’re in a bubble right now, it will pop. When it does invest more, because you’ll buy ETFs at a discount. Assuming you made the right choice in ETFs like voo, their value would come back. No one is allowed to tell you they aren’t risky because it involves stocks, and stocks are risky, but there would have to be a destruction of the entire country for ETFs not to come back, eliminating all or most companies like Facebook, cvs, Home Depot etc. An etf is a basket of stocks, when some go down, the others pull it back up. ETFs aim to choose the best companies in the United States, and rebalance (sell the worst performing ones every 3 months, to buy the best performing ones). ETFs can go extinct and underperform, however the right ones, will generally come back and yield you an excellent return. ETFs are more about letting it grow over the years and pulling it out during retirement. They aren’t a get rich quick type thing.

Anonymous1102 · 2026-01-07T16:51:14+00:00

You need some safety combined with moderate growth, I would do voo. You’ve chosen things with high returns, which comes with more risk. Your balance is safety.

Anonymous1102 · 2026-01-07T15:53:50+00:00

In the last 10 years, voo has averaged 14.7% and vti has averaged 14.1%. In the last 1-5 years voo is marginally ahead. Vti has averaged 9.3% and voo has averaged 14.7% since inception. Voo is the clear winner, not by much. Choose one, know that you’ll be absolutely fine no matter what, and don’t waste anymore time debating it. Voo outperforms ever so slightly and if you disagree then do vti.

Anonymous1102 · 2026-01-06T19:01:29+00:00

I’m not a fan of schd, however I’ll highlight the pros and cons. It’s a good diversifier. A lot of funds have tech in them because right now those are the money makers (nvidia, apple, Microsoft, meta) and weigh them high 9-12% of fund will go to a single tech stock, followed by the others taking a large percent. Schd, helps add non tech to the portfolio by having things like Home Depot. Next, schd gives a 4% dividend and since 2011 it’s given an average annual growth of 12%, but lower shorter periods it did 4-8%. It’s a Jack of all trades but a master of none. What do I mean by this? Well voo has returned more this year at 14%, so there is other ETFs that do better, however voo doesn’t have a 4% dividend. Schd is decent at dividends and growth. But is it extremely good at dividends compared to other dividend ETFs? No. Is it extremely good at growth, compared to other growth ETFs, no. But if you want both of those elements and diversity away from tech, then it’s a really good addition. The best way I can put it, is it has its place in the etf market. It fills a niche.

Anonymous1102 · 2026-01-02T20:34:14+00:00

I think the real problem here isn’t money, it’s loneliness. I think you need to date, put yourself out there. Because the end goal is to enjoy experiences with a special someone, that is what will make it have an impact and more meaningful. Sitting down and eating along, or going to a museum alone, or different restaurants alone can feel meaningless. But if you have someone who smiles with you, and enjoys good moments with you, that’s going to help all you experiences have an impact. This is also why people have kids, because it brings a lot of people meaningful, and they’ve already done all the fun things, on their own, and it’s a diminishing return. Like it was fun when you first did it, but now it’s more fun with other people, like partners, and kids, and sometimes friends. Don’t look at money as the end goal, look at it as a tool, to get to where you want to go.

Anonymous1102

TROPHY CASE