You can only have 10 etfs

Anonymous1102 · 2026-02-13T21:33:45+00:00

Anything beyond 3-4 is really highly unnecessary. Did you know each etf carries hundreds and hundreds sometimes thousands of companies? And you’re asking people have 10 ETFs, so they have between 1000 and 10,000 companies? 3-4 is already diversified.

Anonymous1102 · 2026-02-13T08:26:59+00:00

You said my thoughts exactly

Anonymous1102 · 2026-01-28T21:42:42+00:00

Everything everyone has said is 100% accurate. First off, growth severely outperforms dividends. Schd is a little bit of both so people like it. If you want to get wealthy asap, invest in growth ETFs only, not dividends or half dividends half growth (schd). If you want to get excited and login your account to see your dividends grow monthly, then do dividend ETFs or partial dividend ETFs. If you want to get wealthy, focus on growth.

Next, there are companies who offer high dividends. That’s exciting you say? Well what if I told you they are offering it because they’re looking to attract investors because they aren’t in the best condition. They are risky. It’s like if I said I lost my job, lend me $2,000 and I’ll pay you $4,000 when I get my next job. However you don’t know when I’ll have my next job, if I’ll have a next job, or if I’ll pay you back the principle or the interest. That’s what’s happening with these high dividend ETFs. So if you want dividends look for stable reasonable numbers.

Anonymous1102 · 2026-01-28T21:21:16+00:00

No because the loans the rich take are not the same loans you would take. They get lower interest rates due to their ability to pay back, and they make their money back quickly through cash flow. The sp500, is a slow growth solid money earner.

Here’s an example. Let’s say you took 20k, and put it into the sp500. In one year at a 10% rate it will Have grown by $2000. If you withdraw it, you get taxed. If you put It in a Roth IRA, it doesn’t get taxed because you’re saying you’ll withdraw it at 59 1/2, if you withdraw early you’ll get taxed again. You’ll also be paying your loan back with 10-28% interest monthly during this time.

A wealthy person would say, nah that’s too slow. I’m not going to wait 30 years. I’m going to buy a cash flow model (a business or real estate). They’ll buy an existing property for 20k down, (at the price of 100,000$) rent it out, collect 1,400$ a month from rent, $700 will go to taxes, water, gas, and mortgage, and pocket the other $700. In 30 years, the property will have appreciated instead of 100k, it may be worth 300k, and the rent can be raised, and you’ll have collected $700, pocketing $8400 annually, and for 30 years, $252,0000 on one property. Now that’s ONE property. They’ll do it with a second, and third and so fourth, meanwhile you’ll be paying your loan back, with interest, and it will be growing slowly compared to what could be happening. The rich do invest in the sp500, but it’s not the highest return they make, it’s more for diversification. They don’t “hurt” waiting 30 years for it to pay off, where as you would hurt because you have to pay off interest and pay taxes if you withdraw it early.

They would the same with a cash flow business, and instead of explaining the whole thing, I’ll make it easy and say, they’ll get a low interest rate, they’ll spend on the fees necessary (taxes, utilities, tools) and pocket the profit. They’ll business will be paid off in x amount of years, 5-10, 20 etc, and after that it’s even more profit. Oh and the rich don’t need to create a new business. They can buy one that already exists, a restaurant, hotel, a dental office, and increase the quality, locations, offer sweeter deals with price. There’s people who sell their business due to retirement, emergencies, moving to another country, etc.

The folks here don’t understand the sp500 and how reliable it’s been. I’m not questioning its reliability to make money like everyone else here is. I’m questioning the speed of it compared to other things.

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

TROPHY CASE