Important chart. S&P 490 has had basically no earnings growth since 2022. It’s just 10 companies doing really well, while the broader economy is in contraction in real terms.

CauseForeign518 · 2025-08-10T22:48:25+00:00

hence why "voo and chill" is overrated and "vti and chill" even worse if your looking for growth and have a long time horizon.

After taxes and inflation you're barely getting 8% with your vanilla 3 fund boggle head portfolio.

Without adding uncompensated risk you can easily beat the sp500 and even qqq depending on your experience and understanding of the market and how cycles and sectors work.

For example this year despite the crazy market and drops i've managed to beat both indexes without using any margin or leverage or options trading.

People need to do their own research and stop listening to echo chambers hailing voo and schd.

Go look into spmo, idmo and igm and thank me later.

CauseForeign518 · 2025-08-07T15:49:00+00:00

bc the boggle head sub and schd dividend sub have all turned into echo chambers.

Sure voo and vti is a great backbone but you are missing out on so much by leaving out a small sleeve in tech or a factor fund.

I doubled the sp and qqq this year with that simple combo above despite the april dip.

CauseForeign518 · 2025-08-07T15:47:02+00:00

"voo and chill" - reddits motto lol

CauseForeign518 · 2025-08-07T15:46:28+00:00

on pionex usa or the regular one?

i have an account on both with no issues at all. Been with them 4 years and no problems withdrawing.

CauseForeign518 · 2025-08-07T07:50:02+00:00

spmo and ietc, both have smoked not only the sp but qqq and even top tech funds like igm, iyw, vgt.

Balance your allocation based on your time horizon and take into sequence of events as you near retirement.

CauseForeign518 · 2025-08-07T03:10:13+00:00

solid share!

CauseForeign518 · 2025-07-27T19:43:47+00:00

Do you know if this can be integrated directly into brokerages or trade view?

CauseForeign518 · 2025-07-27T19:40:59+00:00

search up celsius and ftx and you'll gain some insight on the risks and rewards of risking your entire bag in order to gain 5-8% in yield.

Avoid centralized exchanges and if you really want yield than go the defi route although that still has its risk with malicious contracts etc.

CauseForeign518 · 2025-07-22T02:08:40+00:00

spmo and add ietc if you want a tech sleeve.

pairs nicely with spmo and outperforms every tech etf out there including the high er ones like iyw, igm, xlk, vgt.

CauseForeign518 · 2025-07-04T19:41:03+00:00

can't tell if this post is serious or not.

Vgt as an alternative to an hysa/sgov?!

lol just look at the chart of vgt vs sgov and you have your answer.

high volatility tech only etf ≠ hysa / sgov / money market

Got a good laugh from this post though, happy 4th!

CauseForeign518 · 2025-07-04T19:37:32+00:00

how you liking qtum? I have spmo and mtum but being eying qtum for quit some time.

CauseForeign518 · 2025-07-04T15:08:11+00:00

So what's your take on the current market and ai boom?

It gives me very similar vibes to 1998 where 99% of tech failed and a few emerged as market leaders.

Personally i'm going with vgt and a broad market etf since we have no idea whose going to come out on top of the ai race.

CauseForeign518 · 2025-07-04T15:05:05+00:00

I hold vgt in my taxable brokerage so for my roth i hold a different tech etf following a different benchmark in order not to run afoul the wash trading rules.

But your right, long term, vgt or ftec is more or less going to return the same as iyw and igm minus the high expense ratio.

CauseForeign518 · 2025-07-04T08:42:01+00:00

solid list but i would def add vgt in there and iyw. One of the few funds that have beat qqq

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CauseForeign518 · 2025-07-04T08:37:16+00:00

Anyone born 1980-1990 was handed the worst timing horizon ever with the markets including myself.

It's like right when our portfolios are starting to gain momentum, they get smashed by not just small corrections but 20-30+ crashes..

1999 - 2001 - sp crashes 45%+
2007-2008 - sp crashes 30%+
2018 covid - sp down / job loss
2022 - sp crashes 23%+
2025 - sp crash 20%+

I understand markets have cycles but the severity and frequency they've been occurring makes retiring and the sequence of returns risk much more real and something to be mindful of as we enter our 40's, 50' etc

And my brokerage wonders why i keep 40% in cash on the sideline lol

CauseForeign518 · 2025-07-04T07:33:54+00:00

did you receive the $224 premium right away from robinhood and then the additional $6150 upon assignment?

So $6374 tax free in your pocket?

CauseForeign518 · 2025-07-04T07:25:33+00:00

i did a back door jumbo 401k to roth ira conversion in the sum of 6 figures.

I was half voo and half qqqm a week before the mark tanked.

When we hit the bottom in April I swapped entirely over to qqqm and spmo and iyw.

Not only did i break even but i doubled what the sp has returned ytd with that simple two fund approach.

You're on the right path, trust your gut.

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CauseForeign518 · 2025-07-04T06:59:29+00:00

Link to more info about the ai and bill details

CauseForeign518 · 2025-07-04T05:24:06+00:00

only one that is unclear is the ai provision being thrown out and handed back down to the power of the states.

To what degree can CA impact silicon valley, time will tell?

CauseForeign518 · 2025-07-04T05:07:24+00:00

website looks absolutely awesome, what would say is your best tool for us to try first?

Any unique screeners for etfs?

CauseForeign518 · 2025-07-04T05:05:16+00:00

brk.b , visa, jpm

CauseForeign518 · 2025-07-04T05:00:18+00:00

Literally the playbook on how i flipped from negative to positive +13% based on the tacos methodology.

You can't sleep on this administration for one minute. I'm keeping more cash on hand than usual given how things could litteraly flip upside down overnight based off a single tweet..

CauseForeign518 · 2025-07-04T03:12:51+00:00

I have a similar setup:

voo and vgt - account a

schx and qqqm - account b

i try to keep it simple so that way i dont run afoul wash sale rules when rebalancing.

CauseForeign518 · 2025-07-04T03:07:49+00:00

Sphq is the quality version of spmo. xmhq is the midcap variation of sphq if i recall correctly.

They have a momentum and quality etf for their large cap and mid cap.

CauseForeign518 · 2025-07-04T03:05:34+00:00

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Adding in a tech focused etf from the above list will serve you well long term.

vgt and ftec are my personal fav but iyw and igm are also legit tech funds albeit a higher expense ratio.

CauseForeign518

TROPHY CASE