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Strategies & Market Trends : Young and Older Folk Portfolio

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chowder
To: 389190 who wrote (23751)12/20/2025 11:29:50 AM
From: QTI on SI1 Recommendation  Read Replies (1) of 23788
 
Re. QQQM - Thanks for the idea. It looks almost identical to QQQ in performance and total return. Yes, it's slightly cheaper than QQQ, but it's also only 5 years old. I prefer to invest in funds that have been around for at least 10 years. Also, since this is for my wife's HSA account, I want to be a bit more conservative and not experiment with newer fund, esp since I don't own QQQM in my own accounts.

My main issue right now is to decide whether to have SCHD in her account or just stick with DGRO or DGRO + DIVO or some other dividend focused fund like VYM.

Less decisions, if I just go with three funds:

1. QQQ/FTEC/SMH (25%: pick one based on the desired low to high growth potency and volatility.
2. IVV (50%) foundational Index fund tethered to the market.
3. DGRO (25%): dividend focused.

Dividend Fund comparison chart:

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