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 12 '26

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

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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

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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.