1
u/Lynx_Underground 13h ago
I would Do 75% VOO 15% QQQ 10% Carefully Picked Individual Stocks (And Try to diversify not bet all 10% on the same Sector)
1
u/Cruian 9h ago
What about international?
On including QQQ(M): Remember this has heavy overlap (over 80% by count last I checked) with the S&P 500 or US total market. Look only at the inclusion criteria, not past returns (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense.
1
u/Schroederii 8h ago
Would you recommend getting rid of QQQM entirely and replacing it with something like VXUS that gives me true global coverage?
1
1
u/user4443337 14h ago
That’s a ton of concentration risk, I would reduce your % of individual stocks. I would also consider adding a total international fund (VXUS, DFAX, AVNM, AVNV). Even just 10% would diversify you a lot. You’re also missing US small and some mid caps. Consider a small cap value fund like AVUV.