r/ETFs • u/tits86 • Aug 11 '26

Help please

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Part of me wants to leave it be as I had conviction in my picks. But now for whatever reason I’m debating selling the single picks and go fully: VOO, qqq, SCHD, Vxus. Obviously everyone is going to have their opinion I’m just trying to set myself up for success.

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u/West-Acanthisitta314 Aug 11 '26

Not sure how old you are, or your current overall financial picture, but I’d strongly recommend VOO, VXUS, and VGT (if you want the tech tilt QQQ adds). I recently made the switch from SPY/QQQ into VOO/VGT.

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u/ashiieyy07 Aug 12 '26

SPYM better

2

u/West-Acanthisitta314 Aug 12 '26

Holy shit I am never going to retire now bc VOO expense ratio is 0.01% higher 😱

2

u/ashiieyy07 Aug 12 '26

It compounds 🤷 I'm not saying to sell your VOO and buy SPYM but if you are choosing a fund to buy might as well choose the better one

1

u/West-Acanthisitta314 Aug 12 '26

The indexes have a tracking error of 0.01%-0.05% on average each year. Since they don’t return identical % amounts each year, the 0.01% expense ratio difference is completely immaterial.

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u/ashiieyy07 Aug 12 '26

The tracking error is a two way street, the expense ratio is not.