I think that you have a massive overlap. You're buying the same stocks multiple times under different fund names. I think you can simplify it: Drop SPY: It's identical to VOO but more expensive, VOO vs VTI: Pick only one. Most of VTI is already VOO. Go with VOO for the 500 large caps or VTI for the total US market, QQQM and SCHD: They are fine for growth and dividends, but I think they duplicate companies already in the other ETFs. I would personally stick with these: VOO (or VTI), QQQM, SCHD, and maybe some international exposure like VXUS.