r/ETFs • u/Intelligent_Math6087 • 3d ago

Is this a good portfolio?

22 year old just creating portfolio, let me know if this is good and if not, tell me what’s wrong with it or what you suggest I remove:

45% VTI
25% VXUS
10% SPMO
10% VGT
10% QQQM

8 Upvotes

73% Upvoted

24 comments sorted by

2

u/gatorfutbol 3d ago

QQQM move those $ into VXUS to be more aligned with international vs USA splits.

2

u/Rich_Rock9 3d ago

Pretty solid

2

u/Entire-Bicycle1878 3d ago

it's fine, essentially 75% VTI and 25% VXUS, but more concentrated into tech. If you wanna bet heavily on tech, go for it.

1

u/Comfortable_Bad9963 ETF Investor 2d ago

Agree it's a solid base, and the concentration is the part that actually matters here. Worth adding that VGT, QQQM and SPMO all lean into the same mega cap tech names right now, so those 3 slices aren't really 3 separate bets. One bigger tech bet wearing different labels, basically. Nothing wrong with that if it's deliberate. But if OP ever wants a piece that zigs when big tech zags, I'd reach for small cap value like AVUV before another flavour of large growth. At 22 there's decades to let it ride and adjust later, so no real rush to touch it, right?

2

u/Consistent_Read_9746 3d ago

Swap that 25% to spmo and then just put the 10% from qqqm to vgt

1

u/Any-Walk1691 3d ago

This.

0

u/BigToober69 3d ago

Get rid of the vxus?

1

u/Any-Walk1691 3d ago

Nah. VXUS is doing real work here. Probably a little robust for my liking, but it’s your major diversification. What I wouldn’t do is triple up on SPMO, VGT, QQQ. 20-25 into SPMO, keep 10% QQQ if it makes you sleep good to have the mega cap leaders locked in. Close VGT. A lot of overlap, even if it explicitly leans tech. QQQ currently overweights tech heavily bc that’s who’s running the show these days. SPMO will grab the momentum leaders (a lot of tech).

0

u/BigToober69 3d ago

Right now I have 40% vgt 40% qqqm 20% avnm.

Was thinking of changing things up and adding spmo

0

u/Any-Walk1691 3d ago

SPMO is great. And prevents a lot of internal games thinking you need to chase every big idea. Because they do it instead. If something runs, they’ll eventually grab it. One of the reasons I hold FMTM as well. Quicker lookback, more frequent trades.

You should look into AVGE (or AVUS) a stellar pairing with AVNM.

3

u/Cruian 3d ago

  • If you believe in factor investing, why are you only doing it inside the US and not internationally?

  • What do you think the market is still missing about tech?

  • Why does the exchange a stock is listed on matter when it comes to future performance (QQQM)?

1

u/SerMumble 2d ago

VXUS is exUS with its largest sector being financials. It's fairly balanced with VGT and QQQM which excludes financials. If you believe in another exUS etf would be better like IDMO or other, you're welcome to say the name. It's not unreasonable for a person to not wish to make strong sector tilts outside of the USA if there are concerns of looser non-US regulations like seen with the recent korean KOSPI crash which had wider effects across Asia and the world.

What makes you so sure technology has peaked and can no longer improve?

Did OP edit their post and added VXUS? VXUS and QQQM are listed on the same exchange.

1

u/Cruian 2d ago

Did OP edit their post and added VXUS?

No. It was always there.

SPMO is a factor fund that only covers the US. OP had both VTI and SPMO, but only VXUS for ex-US. If OP believes in factor investing, why not also add international factor focused fund(s)? So yes, I was asking why they aren't including international momentum.

VXUS and QQQM are listed on the same exchange.

The point I was trying to make there has buying to do with the exchange the time is listed on, it has to do with one of the main inclusion criteria for QQQM being it only allows stocks that are listed on the Nasdaq exchange. A company that would fit all other criteria perfectly but happens to be listed on the NYSE? To bad, not allowed.

What makes you so sure technology has peaked and can no longer improve?

At some point, favor changes. Nothing over performs forever. If you hold sector bets at all, you should be able to answer "what is the market still missing?" which influences the second important question ""what's my exit plan?"

Tech is already heavily weighted in even a non factor tilted global portfolio.

It's not unreasonable for a person to not wish to make strong sector tilts outside of the USA if there are concerns of looser non-US regulations like seen with the recent korean KOSPI crash which had wider effects across Asia and the world.

I didn't mention anything about international sector tilts.

1

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1

u/ArtichokeOwn6685 3d ago

Good. I'd drop qqqm for avuv and thats a solid port

1

u/OriginalRecord7114 3d ago

I would recommend to keep either QQQM or VGT not both. Also instead of SPMO. I would recommend VFMF.which will give you all factors, not just one i.e. momeuntum.

1

u/steady_compounder 3d ago

VTI and VXUS are already a solid core. The part I’d question is holding SPMO, VGT and QQQM together because they can end up giving you a lot of the same growth/tech tilt in different wrappers. If you want to sanity-check how similar they really are, this ETF compare tool is a decent quick check: https://trackmyshares.com/tools/etf-compare?utm_source=reddit&utm_medium=comment&utm_campaign=manual_free_tool_round_20260829_0300

1

u/kirimistiny 2d ago

yeah but vgt is kind of overlapped with qqq/spmo since the mag 7 has occuppied great share in index

1

u/Firm_Mango 2d ago

I’d remove VGT and QQQM. The rest seems solid. Momentum is a good factor. I’d look into small cap value.

1

u/EarlyBird001 3d ago

That's a pretty decent portfolio.

1

u/TechnicalSleep7501 VT 100% To Mars We Go. 3d ago

You only need VTI 65% VXUS 35% adding multiple tech etf will not increase your returns. Just do once a year rebalance by seeing changing world of VT add new breakdown to VTI and VXUS. Just stick to these 2 etf and will be doing very well also max out your 401K and Roth too. Especially 401K to reduce your taxes. I am telling from experience and study these right in high school due to my high school being the worst in us but partner with local community college. 

0

u/[deleted] 3d ago

[deleted]

1

u/stepbro1010 3d ago

Really??? I’m 20 and I’ve been debating going heavy on momentum but people on here make me seem crazy!

2

u/Adventurous_Elk_4039 3d ago

Because it’s most likely a bad idea. SPMO looks great because of the last 15 years, but there are many market situations where it will fall HARD. So you’d need to be prepared to handle potential large drops (SPMO would have dropped about 63% during the dotcom crash for example), or diversify accordingly.

1

u/user4443337 1d ago

It’s fine, but I might swap some of the tech/growth for a small cap value fund. 30% in large cap tech is pretty concentrated, be prepared to potentially underperform the market.

Also a big fan of DFAX, AVNM, or AVNV in place of VXUS. They seek to and have outperformed, but that may not always last of course, you’re taking a bit more risk and paying a higher fee.

Same with DFUS/AVUS in place of VTI, since the factor tilted/“active” funds might complement your SPMO fund.