Holding the Nasdaq 100 long term is a rational choice: buying QQQM with regular dollar-cost averaging will very likely beat 80% of active stock pickers over time. x.com 

The Vanguard S&P 500 ETF works as a foundation that doesn't depend on getting every stock pick right. It gives exposure to about 500 large US companies for a 0.03% annual expense ratio, roughly $3 a year per $10,000 invested. The plan is to keep adding to it over time and build individual stocks around it. x.com 

The US stock market as a whole is pretty expensive relative to history, making this a better time to pick individual stocks than to put a lump sum into an S&P 500 index fund. x.com 

The S&P 500 fund VOO beats covered-call income ETFs like GPIX and QQQI because covered calls cap upside, leaving long-run returns worse. Since GPIX's October 2023 inception, VOO has compounded 26.4% a year versus GPIX's 23.6%, while QQQ's 25.4% beat QQQI's 21%. Fees add drag of about 1.1% for GPIX and 2.2% for QQQI versus 0.1% for VOO, and large monthly payouts are tax-inefficient. x.com  x.com 

Low-cost growth ETFs can build serious wealth through exposure to the best companies and strongest trends, without managing individual stocks. A clean setup is a core of VOO or VTI, a growth tilt through SCHG, VUG or QQQM, and an aggressive tech tilt through VGT. The ranking is SCHG, VUG, QQQM, SPYG, VGT, MGK, then IWF, which is solid but costlier. Many overlap, so owning all adds little diversification, and growth-heavy funds can be hit hard by rising rates, tech selloffs or rotation to value. … Show more

Buying an S&P 500 index fund at 26 is an incredible strategy for reaching future financial freedom, because of the time value of money over a long horizon. Allocating capital to individual stocks is fine, but the index fund should not be forgotten. x.com 

Everyone should own the Nasdaq 100 or the S&P 500 because a few big winners drive portfolio returns, and broad index funds let all of them run. Some winners turn into losers, but a loser is capped at -100% while a winner is not, and since the future cannot be predicted, cutting winners too early can be a big mistake. x.com  x.com  x.com 

Buying a broad index fund consistently over many years is one of the best strategies for most investors because it is simple, diversified and easy to stick with. US funds tracking the S&P 500 or Nasdaq-100, optionally with non-US exposure, have historically returned around 8-10% a year on average for patient holders. They are less volatile than individual growth stocks, need little upkeep and spare investors from reacting to news. UK pensions locked until 55-57 make holding long easier. x.com  … Show more

ETFs are a phenomenal starting point for new investors because they diversify, have delivered great historical returns and teach how markets move. New investors rarely find a 10x stock right away, and even if they do, they usually lack the conviction and emotional control to hold it. With money in broad funds such as S&P 500, Nasdaq-100, total-market, growth, value and dividend ETFs, they can spend their time studying companies and raising income to contribute more each month. x.com 

The Invesco Nasdaq 100 ETF is the better choice for long-term holding because its expense ratio is 0.15% a year versus 0.18% for QQQ. Investing steadily, such as $500 a month starting at age 25, could let an investor retire much earlier than expected. x.com