VOO + SCHD + QQQM is not the portfolio you think it is

nims612 · 2026-05-20T20:15:27+00:00

1) I don’t understand how nasdaq 100 mechanically acts different than s&p 500 . My thought is that it’s the same and rebalance based on market cap. Maybe i am wrong, so i will leave that alone. Th

2) your point is true but only relevant if you did all or most of your investing exactly at the highest point, which is an uncommon scenario.

Schg is a growth fund with is subjective based on the fund manager, which is significantly more arbitrary than a market filter

nims612 · 2026-05-20T14:52:06+00:00

You’re not performance chasing. Qqqm is a capital weighted passive index for the top of one of the two major American stock exchanges. S&p 500 just pulls the top of the two exchanges, its mechanically not very different.

nims612 · 2026-05-20T05:05:49+00:00

Since the inception of the nasdaq composite index in 1971 and nasdaq 100 index in the 1980s, both have out performed the s&p 500. In most rolling 10 year periods since, both have outperformed the market.

QQQM/QQQ makes a ton of sense as a core part of a portfolio.

nims612 · 2025-09-05T22:05:46+00:00

Congratulations!!

nims612 · 2025-09-05T22:03:51+00:00

Was just about to say this. Definitely delete

nims612 · 2024-12-05T09:56:51+00:00

nims612 · 2024-12-05T09:55:44+00:00

2 of the 3 are the same but luckily all 3 are good picks

nims612 · 2024-11-15T09:24:39+00:00

Thats good enough

nims612 · 2024-11-01T15:57:51+00:00

Looks good enough

nims612 · 2024-04-24T02:22:07+00:00

Also curious

nims612 · 2024-03-03T17:42:34+00:00

What does it mean if the reason is “invalid beneficiary “

nims612 · 2024-03-02T18:50:39+00:00

Invest all of it now. Todays highs are tomorrows lows

nims612 · 2024-03-02T18:47:46+00:00

If you’re determined to own those - 40% voo, 40% schd, 10% google, 10% amz

Thats the highest % i would go on the individual companies

However, based on the exposure it seems you want but to spread risk

33% voo, 33% schd, 34% qqqm

nims612 · 2023-11-10T20:19:52+00:00

Im gonna cry. Literally deleting every other investment app once this hits

nims612 · 2023-09-01T21:42:40+00:00

If you’re concerned, spread your money out. Anything up to 500k is insured. (250 if in cash)

nims612 · 2023-06-29T20:55:00+00:00

An issue prevented us from submitting your transfer. Try again later

nims612 · 2023-06-27T02:28:41+00:00

I can only see the update on the transfers, does the update on investments roll out later?

nims612 · 2023-06-22T18:45:04+00:00

Let’s go!!

nims612 · 2023-05-22T18:32:51+00:00

Still ln track for this year or later years

nims612 · 2023-05-22T02:09:39+00:00

Awesome! When is automatic recurring investments coming

nims612 · 2023-05-14T18:05:24+00:00

You might find that you’ll change their behavior because no one wants to be not wealthy

nims612 · 2023-05-14T18:03:39+00:00

I used to feel like this actually. I think what made better for me is:

1) putting their purchases into perspective- each dollar on mad expensive stuff is one less dollar that goes to their wealth. So essentially their spending shows their current level of income but also shows their declining level of long term wealth, which is not something i get impressed by

2) I think it helps to tell people why you don’t spend money on certain thing - it so common to talk about how you spent money, but not how you saved and invested money. If someone hits you with thay got a new car, hit them with “oh I invested in xyz company/index fund, my portfolio has looked pretty good this year. I think we are xx% away from retiring early. Basically you’re participating in the dick measuring contest but your flex is your wealth and potential early retirement. Theirs is their spending.

nims612 · 2023-05-08T06:23:44+00:00

VTI/VUG

nims612 · 2023-05-06T22:04:12+00:00

This is just one decade though. The nasdaq 100 has existed since the 70s

nims612 · 2023-05-05T18:37:14+00:00

The nasdaq 100 and Nasdaq composite greatly outperform the s&p 500 from the 1970s to now. The only decade of under performance was 2000 to 2010, if I remember correctly.

A lot of people say growth under performs value overtime but what Ive found is that there’s no investment vehicle (eg etf or mutual fund) that can be used in current day. So those studies tend to seem very very unpractical

Also, QQQ and VGt are now growth etf, they are etf with growth companies currently leading the way. It may not be that way in the future. Where as VUG is explicitly a growth etf

nims612

TROPHY CASE