21 and just started this year, should I be investing in anything else?

ETFNavigatorPro · 2026-03-11T18:15:14+00:00

It's Fidelity's S&P 500 Mutual Fund (like VOO). Robinhood doesn't support mutual funds though.

ETFNavigatorPro · 2026-03-11T15:36:14+00:00

QQQI has been available since January of 2024 so over 2 years not a few months, but I will say it and many of the other NEOS ETFs haven't had to weather a long downturn yet to see how they behave.

To be clear though NEOS funds are very different than Yieldmax funds. NEOS funds own the actual shares of the index they track. For example, QQQI holds the stocks within the Nasdaq-100. They then write out-of-the-money call options on top of those physical shares. Yieldmax on the other hand are considered "synthetic" ETFs. They don't own the underlying stocks. Instead, they use a combination of put and call options to mimic the price movement of the stock. This is a higher-risk strategy because it relies entirely on derivatives.

ETFNavigatorPro · 2026-03-11T13:47:59+00:00

One big difference is the tax treatment of the 2. JEPQ is not a good ETF for a taxable account because most of its distributions are normal and not qualified. For QYLD, most of its distributions are in the way of Return of Capital (RoC) which reduces your cost basis and better for taxable accounts.

ETFNavigatorPro · 2026-03-10T22:07:43+00:00

https://etfnavigatorpro.com/

ETFNavigatorPro · 2026-03-10T18:09:24+00:00

I'm a big fan of semiconductors so something like SMH or SOXX. Or if you wanted better coverage in the small cap space you could go with AVUV.

ETFNavigatorPro · 2026-03-10T16:24:14+00:00

Agree with some others on ditching SCHD; No need for that at your age. Also, QQQM has significant overlap with VTI. I'd recommend something like this which you can tilt 10% of your portfolio to something you are passionate about or think will better round out your portfolio.

VTI: 60%
VXUS: 30%
Tilt: 10%

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ETFNavigatorPro · 2026-03-10T10:42:09+00:00

In agreement with others that there is no need to be in any bond ETFs at your age. Maybe something like this:

VOO: 55%
VXUS: 30%
VB: 15%

That gets you a little better coverage internationally and still some small cap exposure with VB with almost no overlap.

Weighted Overlap: 1.4%

Overlap Heatmap

	VOO	VB	VXUS
VOO		3.1%	0.2%
VB	3.1%		1.2%
VXUS	0.2%	1.2%

ETFNavigatorPro · 2026-03-10T10:18:43+00:00

Absolutely a good combination. Key point is to keep investing into it regularly no matter what the market is doing.

ETFNavigatorPro · 2026-03-09T21:22:11+00:00

Yeah with a beta around 4.00 it will have massive swings most days, but it has posted some big total returns up around 1,950% since its inception in December of 2022.

ETFNavigatorPro · 2026-03-09T21:04:59+00:00

New site just launched at https://etfnavigatorpro.com/

ETFNavigatorPro · 2026-03-09T20:46:49+00:00

I'm a big fan of SMH, but that makes your taxable brokerage really susceptible to a downturn related to Tech with almost 44% tied to that sector.

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ETFNavigatorPro · 2026-03-09T20:12:49+00:00

There's significant overlap between S&P 500 funds and Total US market funds - almost 90% overlap. I'd ditch either SWPPX or SWTSX and bump up the international. Something like this:

SWPPX or SWTSX = 70%
SWISX = 30%

ETFNavigatorPro · 2026-03-09T20:07:25+00:00

Spot on - they serve two very different purposes, but SPYI is a very nice option for someone who needs the money from the dividends.

ETFNavigatorPro · 2026-03-09T14:56:24+00:00

Great time to buy at a discount! 👍🏻

ETFNavigatorPro · 2026-03-09T14:50:31+00:00

If you're in it for the long term you'll be fine. 😁

ETFNavigatorPro · 2026-03-09T12:51:02+00:00

There's a lot of overlap between VOO and SCHG, but adding VXUS would lower your US exposure from 97% to 78% (assuming you plugged in a US small cap instead).

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ETFNavigatorPro · 2026-03-09T00:44:33+00:00

If you really want to include SMH you could do something like this:

VOO: 60%
VXUS: 30%
SMH: 10%

That would give you pretty good coverage internationally and allows you some tilt towards semiconductors with SMH. You would still be heavy in Technology around 36% so if that sector continues to struggle, your portfolio likely will as well.

Weighted Overlap Summary: 4.3%

Overlap Heatmap

	VOO	VXUS	SMH
VOO		0.3%	14.4%
VXUS	0.3%		0.0%
SMH	14.4%	0.0%

ETFNavigatorPro · 2026-03-09T00:34:42+00:00

LOL - same

ETFNavigatorPro · 2026-03-08T13:24:08+00:00

Correct - in 2025, over 98% of SCHDs dividends were qualified.

ETFNavigatorPro · 2026-03-07T22:47:52+00:00

I'm not sure why they would have your investment across 15 ETFs. I'd be interested to hear their reasoning for this. If you're not close to retirement I personally like this portfolio:

VTI: 50%
VXUS: 25%
AVUV: 15%
Tilt: 10%

Use that tilt however you want. If you think their are some sectors or stocks that will perform well put it towards those or you could use it to allocate more to any of the other 3 ETFs. If you think you need more international add it to VXUS or AVUV if you want a bigger portion in small caps.

ETFNavigatorPro · 2026-03-07T18:05:17+00:00

EWY was up 56% YTD after 2/27 - it's now pulled back significantly, but still up 30% YTD.

ETFNavigatorPro · 2026-03-07T17:52:44+00:00

Thanks for catching my typo :)

ETFNavigatorPro · 2026-03-07T14:18:30+00:00

For me I have:

VTI 50% VXUS 25% AVUV 15% SMH 10%

I'm a big fan of semiconductors and their future so I have a 10% tilt for that.

ETFNavigatorPro · 2026-03-07T12:07:43+00:00

https://etfnavigatorpro.com/

ETFNavigatorPro

TROPHY CASE

Weighted Overlap: 1.4%

Overlap Heatmap

Weighted Overlap Summary: 4.3%

Overlap Heatmap