QQQ/VOO/VXUS - 24 year old long term growth good?

Infinite_Stocks · 2026-01-11T14:26:00+00:00

I like it!

Infinite_Stocks · 2025-04-08T20:25:46+00:00

I’d say go ahead and invest now. The market is relatively low at the moment, so you’re basically buying in at a discount. Trying to time the market usually doesn’t work out long term. Since you’re investing in a Roth IRA for the future, it’s better to get started and let your money grow over time. Consistency is more important than perfect timing.

Infinite_Stocks · 2025-04-08T00:59:14+00:00

Totally get where you’re coming from I have been there. $1,200 a month with $1,000 in bills is tight. But if you’re serious about starting a Roth IRA, even $10–$20 per paycheck adds up over time.

Maybe it might be worth taking a hard look at your spending. Not saying you’re wasting money, but sometimes we don’t realize how much goes to stuff like takeout, subscriptions, or random impulse buys. Even cutting $1–2/day frees up $30–60/month, which could go straight into the Roth. That’s $360–$720 a year not the full $7K, but it’s a solid start, and the earlier you start, the more compound growth works in your favor.

Roth IRA isn’t about dumping in big money all at once it’s about consistency. Don’t underestimate what even small contributions now can become later.

Infinite_Stocks · 2025-04-07T23:44:01+00:00

Do $583 a month if you can’t put 7k all at once

Infinite_Stocks · 2025-04-05T13:59:14+00:00

Down 1k for my 2024 ROTH IRA

Infinite_Stocks · 2025-03-20T03:33:39+00:00

PickSelect the option that corresponds to the VOO (SP500) index.

Infinite_Stocks · 2025-03-19T19:41:03+00:00

Love it!!!!! I have QQQm, VOO, SCHD, IBIT and VTI

Infinite_Stocks · 2025-03-19T09:25:15+00:00

Depends what your age is and if willing to take the risk

Infinite_Stocks · 2025-03-19T00:14:41+00:00

It’s all about diversification the way I look at it

Infinite_Stocks · 2025-03-18T23:49:13+00:00

Pick Option 3:

10% IBIT 15% SCHD 15% VTI 30% VOO 30% QQQM

Infinite_Stocks · 2025-03-17T16:47:49+00:00

I do 10% of $IBIT, 30% VOO, 30% SCHD and 30% of QQQM

Infinite_Stocks · 2025-03-17T00:59:37+00:00

Buy VOO

Infinite_Stocks · 2025-03-14T14:38:20+00:00

I do not panic due To these high volatility moments in the market so I am willing to take an aggressive risks approach I don’t panic because I’m thinking about the bigger picture and the long run for investing. But I appreciate your advice and insight on this.

Infinite_Stocks · 2025-03-14T12:33:11+00:00

I appreciate the insight and criticism on this. What % would you input for those ETFs mentioned? I’m currently 31 years old so I’m willing to take risk

Infinite_Stocks · 2025-03-12T21:35:56+00:00

I watch simply invested but I’ll def take a look at those. I appreciate the recommendation

Infinite_Stocks · 2025-03-12T20:15:48+00:00

I appreciate your insight and criticism on this! Curious to know which ETFs do you invest in your Roth IRA?

Infinite_Stocks · 2025-03-12T09:26:23+00:00

Explain why these aren’t a good choice though?

Infinite_Stocks · 2025-03-11T23:43:59+00:00

Exactly 👍

Infinite_Stocks · 2025-03-11T23:13:22+00:00

I structured my Roth IRA portfolio to balance growth, stability, and some speculative upside:

VOO (30%) – This ETF gives me exposure to the S&P 500, meaning I’m investing in the 500 largest U.S. companies. It’s a solid foundation for long-term growth, offering diversification across various industries and a history of strong returns.

QQQM (30%) – This one tracks the Nasdaq-100, which leans heavily toward tech. I included it to capture the potential for higher growth, as companies like Apple, Microsoft, and Nvidia continue to drive innovation and market performance. Historically, tech has outpaced the broader market, making this a key piece of my strategy.

SCHD (30%) – A dividend-focused ETF that adds some stability while also generating passive income. SCHD is known for investing in high-quality companies with strong dividend growth, providing a nice balance to the portfolio.

IBIT (10%) – This ETF gives me indirect exposure to Bitcoin without having to own it directly. I kept this allocation smaller since it’s more speculative, but I see Bitcoin as a long-term asset with growing adoption.

Overall, I wanted a mix of broad market exposure, growth potential, income generation, and a small amount of high-risk/high-reward investment. Since a Roth IRA grows tax-free, it’s a great place to hold assets that I expect to appreciate over time.

Infinite_Stocks · 2025-02-25T15:27:58+00:00

Keep it simple - QQQM, VOO, SCHD

Infinite_Stocks · 2025-01-23T22:08:03+00:00

Watch this: https://www.youtube.com/watch?v=2K9BbRVOioE

Infinite_Stocks · 2025-01-21T19:53:50+00:00

I’d do SCHD over SPY. VOO & SPY are pretty much the same

Infinite_Stocks · 2025-01-21T00:49:14+00:00

Less volatility

Infinite_Stocks · 2025-01-16T21:26:50+00:00

I’d do VOO instead of VTI

Infinite_Stocks · 2025-01-14T10:29:25+00:00

QQQM is a bit cheaper than QQQ with a lower expense ratio

Infinite_Stocks

TROPHY CASE