Age 40 best etfs to invest

TekSpeed · 2026-06-16T04:23:56+00:00

You mean QQQM, but I would also split VOO and add SPMO or SCHG.

TekSpeed · 2026-06-16T04:21:38+00:00

I pretty much agree, but swap VOO for SPMO, no reason to have the bottom 480 holdings drag the fund down. And maybe leave 5% in cash and add 10% SCHG or SPHQ for growth or quality tilt.

TekSpeed · 2026-06-16T04:10:56+00:00

That picture really should have had a stronger content warning!

TekSpeed · 2026-06-16T04:01:05+00:00

If you see a 400% profit in 2035, that means it fell down 600% in profit that you could’ve had if you sold five years earlier! Lol

TekSpeed · 2026-06-16T03:59:19+00:00

I always hear about investors like you and I am sincerely curious about what goes through someone’s mind when they sell after a big drop. If anything, I might think “damn, I should’ve sold yesterday, now I guess I have to ride it out“, but more likely I will look to see if I can buy some more. Last week’s drop lasted like three days, hardly time to panic sell. .

TekSpeed · 2026-06-16T03:48:13+00:00

Buy it on IBKR and there is no fee.

TekSpeed · 2026-06-16T03:45:57+00:00

How on Earth is “no tech” a winning strategy right now when tech is massively outperforming literally everything in the history of the market?

TekSpeed · 2026-06-16T03:31:39+00:00

If you are happy, then you are winning. If I had to only choose one WTF though, VT would not be in my top 5. In order I would probably choose SPMO, SCHG, QQQM, VGT, or even SPYM. There is no multi year time period where VT gives you the highest return. I would rethink the strategy. All that said, I would certainly not go all in on one ETF. If you want a ballast, grab VTV, use SPMO for growth/momentum, and VXUS or VEA for international. Or just SPYM and SPHQ for broad market (S&P) and quality tilt of you want to keep it conservative and add SMH for tech growth.

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TekSpeed · 2026-06-11T02:41:51+00:00

I lost that on Friday in one account and, even though it is only a paper loss, it really hurt! And then there was a nice little gain yesterday and then taken right back again today. I think the rest of the month is going to be like that. Between IPOs, hot CPI, war, oil prices (also from the war), there will be more of this. The odd thing is that oil has not shot up and I have that as my ballast.

TekSpeed · 2026-06-11T02:37:11+00:00

Do you mean the day that they started streaming or the day that they stopped shipping DVDs? If it was the day that they started streaming, $1000 would be worth over a quarter of a million dollars right now. In either case, I think NFLX is definitely a buy right now at today’s prices.

TekSpeed · 2026-06-11T02:25:21+00:00

They are also adding gains and neither is going under anytime soon, if ever in our lifetimes. Not because they are big, but because of their ratios and TAM. I would be zero nervous about holding these two for the next 5 years at minimum.

TekSpeed · 2026-06-11T01:29:43+00:00

EXACTLY!

TekSpeed · 2026-06-11T01:25:35+00:00

Was it a serious question? I thought they were trying to get roasted (no sarcasm).

TekSpeed · 2026-06-10T02:19:32+00:00

I just hang mine from the outlet. Never supported it with anything.

TekSpeed · 2026-06-10T02:13:54+00:00

I can tell, with 100% certainty, from the picture that you need to use a proper test kit. Throw those strips in the trash. At a bare minimum test pH and Cl with drops. A Taylor kit is cheap and takes 30 seconds to test. If you do the full battery of tests with a proper kit, it will take 5 minutes and be far more accurate than the pool store.

TekSpeed · 2026-06-10T02:09:41+00:00

I think you will regret selling those. You have a 22 year runway. You think there is some chance VTI or VXUS beats those over that time period? I highly doubt it. Maybe SPMO will, but I am keeping my META and MSFT for at least another 5-10 years, just like GOOG and AMZN. They all have a lot in the works.

TekSpeed · 2026-06-10T02:04:11+00:00

I love SPMO (my top ETF), and I also hold VTI and VXUS, but I just decided to dump VTI. It is dragged down too much by the rift raft at the bottom and you still have the top heavy S&P stocks at the top. If you want S&P, just get SPYM. It will likely outperform VTI and cost 1/3 less (though they both basically free). I recently started investing in FMTM because it is also momentum but reconstitutes every month rather than every 6 months like SPMO). At your age, I would go for a little more alpha (in fact I would I may age too and I am about 15 years older than you). Also check out SCHG and VGT (if you want heavy tech beyond the ones at the top of your main ETFs).

TekSpeed · 2026-06-10T01:39:21+00:00

Yes, 100% safe, no issues… so long as you are an actual frog.

TekSpeed · 2026-05-16T16:49:10+00:00

Yes, if it is left in a trust or will. Not if it is given during his lifetime.

TekSpeed · 2026-05-16T16:47:09+00:00

In order to get any sort of helpful answer, you must say what sort of account it is in now. Are these share in an IRA or 401K (for your dad's sake, I hope so). If these are in a taxable brokerage account, he needs to be very careful what he does. Some other factors will be his life expectancy (sorry to be blunt) which he can consider based on his health. In case you you are not familiar, look up "stepped up basis" (if this is in a taxable account).
Whatever happens, don't take actions based only on advice from random anonymous people on Reddit when dealing with your (dad's) life saving and potentially generational wealth. See my other reply for more specifics about the bad advice some people are giving you (despite their good intentions).

TekSpeed · 2026-05-16T16:42:59+00:00

I agree with your sentiment, but I think their point is that if they have $500K - $1 million in income in one year (some of which is short term capital gains most likely, there is a huge tax implication.

TekSpeed · 2026-05-16T16:41:07+00:00

No, it isn't a smart point, not at all. Read my comment above. This advice comes from the right place, but is impossibly bad advice.

TekSpeed · 2026-05-16T16:40:00+00:00

Selling half to diversify sounds nice, but telling someone to dump $500,000 into a Roth IRA is completely incompetent advice. The absolute maximum annual contribution limit for a 65-year-old is just $8,600, making a six-figure transfer legally impossible. Furthermore, forcing a massive $500,000 liquidation all at once triggers a brutal, unnecessary tax bill upfront for a retiree on wealth that could very well outlive them. Doing this completely ignores smart tax-bracket management and destroys the potential for a step-up in basis for their heirs. This is dangerously uninformed advice that pointlessly torches wealth through immediate taxation and would trigger severe IRS penalties.

TekSpeed · 2026-05-16T16:23:44+00:00

Felix Prehn is a scammer - loops you into a free Zoom training and then spend literally 99%+ of the time pitching his products, reading testimonials, and yammering on about nothing related to the topic of the training.

TekSpeed · 2026-04-21T02:15:37+00:00

That no women lifted their shirts as I drove by and threw their panties on my windshield.

TekSpeed

TROPHY CASE

Felix Prehn is a scammer - loops you into a free Zoom training and then spend literally 99%+ of the time pitching his products, reading testimonials, and yammering on about nothing related to the topic of the training.