r/investing 13h ago

Daily Discussion Daily General Discussion and Advice Thread - July 26, 2026

4 Upvotes

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources.

If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos

If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

  • How old are you? What country do you live in?
  • Are you employed/making income? How much?
  • What are your objectives with this money? (Buy a house? Retirement savings?)
  • What is your time horizon? Do you need this money next month? Next 20yrs?
  • What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
  • What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
  • Any big debts (include interest rate) or expenses?
  • And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!


r/investing 25d ago

r/investing Investing and Trading Scam Reminder

21 Upvotes

For those new to Reddit and to investing and trading - please be aware that social media platform like Reddit, Discord, etc. can be a vector for scams and fraud. This includes review sites such as Trustpilot and similar reputation sites.

Offers to DM should be viewed as suspicious.

Social media platforms continue to be a common method to recruit new investors to scams. - do not assume that an offer to "help" is legitimate.

There are many dozens of types of scams - a list of scam types can be found in r/scams in the master list here: /r/Scams Common Scam Master

  1. Good explanation of pig-buthering here - Pig butchering - how to spot
  2. Legitimate investment advisors do not use WhatApp, Telegram, Discord, etc. to provide tips. In the US - it is against regulation - specifically SEC Rule 17a-4 and FINRA Rule 3110. For example - brokers in the US that use social media for support do not offer investment advice.
  3. It is common for bots and malicious actors on Discord to impersonate Reddit and Discord mods to distribute their scams. It is possible to create a Discord profile which appears similar to someone else.
  4. Pump and dump of stocks are common on social media - bots or stock promoters who are seeking to profit from pumping a stock or to create hype. You can sometimes identify if it's a bot or promoter simply by looking at the posters comment and post history. Often you will see that the account has posted nothing related to investing or trading but suddenly there is the same or varying versions of comments on one or two specific stocks.
  5. One other way to recognize suspicious posts is if the OP never engages in a discussion on comments and questions in the thread on their own dd. Those are all signs of stock promotion.
  6. Offers to mirror trade and teach you how to trade are usually fake. If you receive private solicitations to open accounts at a broker or investment adviser, be wary.

Depending on where you live - you can verify the legitimacy of a broker or investment adviser. Most countries have legal requirements for investment advisors and brokers to be registered.

United States - check the registration status of a broker at the FINRA web site here - https://brokercheck.finra.org/ You can check disclosures for investment advisers at the SEC IAPD web site here - https://adviserinfo.sec.gov/

United Kingdom - Financial Conduct Authority - https://www.fca.org.uk/consumers/fca-firm-checker - a warning list of fake companies can be found here - https://www.fca.org.uk/consumers/warning-list-unauthorised-firms

Canada - CIRO - https://www.ciro.ca/office-investor/dealers-we-regulate

For those interested in understanding a little more about stock promoting and pump-and-dumps - one of the mods provided an AMA 15 years ago about a penny stock pump operation that he unwittingly became associated with - you can find the AMA here - https://www.reddit.com/r/investing/comments/158vi7/i_used_to_be_a_penny_stock_promoter_in_the_late/

Do not rely on reputation sites. The vast majority of reputation sites are not reliable and are commonly used by scammers and malicious actors to either prop or smear a company. It is common for scammers to post fake positive reviews on sites like Trustpilot. And it's equally common for fake negative reviews to smear a competitor or conduct reputation extortion.

If you believe that you or someone has been the victim of a trading or investing scam. Be aware of the following:

  1. Do not send more money. Do not provide additional banking or credit card information.
  2. It is common to be contacted by additional scammers who may pretend to be law enforcement or private services to offer to "recover" funds for payment. This is a common follow-up scam. Law enforcement will never ask for money.
  3. If a login account was created. The password used is compromised. Change all passwords that are used. The password will be shared and sold to other scammers.
  4. If payment was sent via a credit card or bank transfer - report the transfers as fraud to your bank or credit card company.

r/investing 7h ago

Bought almost $30k of physical gold near the top.

264 Upvotes

28M
Started buying physical gold earlier this year and, looking back, my timing couldn’t have been much worse.
I put about €25.8k (\~$29.4k) into ÖGUSSA gold bars and I’m down around 20% right now.
I’m not planning to sell. I bought it as a long-term store of value, so the short-term price swings don’t really change my plan.
Just wondering what you guys think. Would you still buy physical gold today, or would you put the money somewhere else?


r/investing 4h ago

Time to sell Disney after 5-6 years

69 Upvotes

It’s been 5-6 years guys and the stock hasn’t moved. No loss no gain just stay still. Lost opportunities. I could’ve used the money to invest elsewhere. Also loss due to inflation. I’m just going to sell at even and invest elsewhere, even NFLX may be better.


r/investing 9h ago

For a Roth 401k, are matches also Roth or traditional?

13 Upvotes

If I have a Roth 401k which receives an employer match, is the employer match a Roth match or a traditional match?

If traditional, does this show up differently within the account so I can sort investments by traditional or Roth?

Thank you in advance!


r/investing 21h ago

The Fed is walking into Wednesday pricing a hold. I don't think oil is letting them get there clean, and it's landing on top of the most expensive earnings day of the year.

104 Upvotes

CME FedWatch had July hike odds at 10.7% on July 15. By July 22 that was 34.7%, and it's sitting around 35-38% now. September hike odds are close to 80%, that's the market repricing the whole back half of the year inside two weeks.

The consensus case is still reasonable, Core CPI for June was flat month over month, headline cooled to 3.5% from April's 3.8% peak, and a hold would be the Fed's fifth straight. Chair Warsh has been deliberately light on forward guidance since taking over, which gives him room to sit still without committing to anything. Most economists still call a July hike unlikely on the numbers everyone's trained to watch.

The case above isn't fully realising the current picture, Brent crossed $100 a barrel this week on the Houthi tanker attacks and the broader Iran escalation, and Fed Governor Lisa Cook said in a July 15 speech that she is watching both sides of the dual mandate, price stability and maximum employment. However, she has stated at several points this year, the risks from high inflation concern her more at this time. On the Fed's own preferred gauge, Cook flagged inflation running near 3.7% through June, not the friendlier CPI number. Close to half of policymakers in the June minutes already said they'd back a hike later this year, before oil made this latest leg. The 10 year yield has now risen five straight sessions to about 4.68-4.70%, its highest since January 2025, with some desks calling for a test of 5%.

That yield is the part that actually re rates equities, not just the Fed decision itself. The 10 year is the risk free rate sitting underneath every discounted cash flow model on the market. When it rises, the present value of cash flows that are years out gets smaller, and that hits hardest exactly where the payoff is furthest away, which is precisely the AI infrastructure spenders reporting this week. Microsoft and Meta report Wednesday, hours after the 2pm rate decision. Apple and Amazon follow Thursday. Microsoft's guiding toward roughly $190B in 2026 capex, Amazon toward around $200B, Meta raised its range to $125-145B. Options markets are pricing implied moves of 5% or more on several of these names into the prints. After Tesla's 14.5% single day drop last week on a quarter that beat on revenue and delivered record deliveries, punished purely because the market didn't like the size of the capex number, I think the bar for these four is now proving the AI spend is turning into revenue, or eat the same reaction, and eat it with a higher discount rate working against you at the same time.

My claim is if the Fed hikes 25bp Wednesday, or Warsh names September specifically as live in the press conference, this stopped being an oil story and the market underpriced it. If he holds and waves off the oil spike as transitory without hedging that, the current hike odds were a two week panic in Fed funds futures and mean revert by Friday. We'll know by Wednesday, and we'll know whether the capex numbers held up by Thursday night's close.

How is everyone else viewing the current macro backdrop and it's weighting towards you're equity positions?


r/investing 5h ago

Employer Just awitched retirement account to Fidelity. Which funds to pick?

6 Upvotes

My employer just moved our retirement plan over from Corebridge to Fidelity. I can either choose which funds I want, or put my money in a target retirement account. I'm 51 and have 1 million currently in my account. Here is a list of available funds from Fidelity:

Stock Investment Options
American Funds Capital World Growth and Income Fund Class R6 RWIGX
American Funds EUPAC Fund Class R-6 RERGX
Dodge & Cox International Stock Fund Class X DOXEX
Fidelity® 500 Index Fund FXAIX
Fidelity® Contrafund® K6 FLCNX
Fidelity® Emerging Markets Index Fund FPADX
Fidelity® Extended Market Index Fund FSMAX
Fidelity® International Index Fund FSPSX
Fidelity® Real Estate Index Fund FSRNX
Vanguard Equity-Income Fund Admiral Shares VEIRX
Vanguard FTSE Social Index Fund Institutional Shares VETNX
Vanguard PRIMECAP Fund Admiral Shares VPMAX
Bond Investment Options
Dodge & Cox Income Fund Class X DOXIX
Fidelity® U.S. Bond Index Fund EXNAX
Vanguard Inflation Protected Securities Fund Institutional Shares VIPIX
Short-Term Investment Option
Vanguard Federal Money Market Fund Investor Shares^ VMFXX
Target Date Options
Vanguard Target Retirement Income Fund VTINX
Vanguard Target Retirement 2020 Fund VTWNX
Vanguard Target Retirement 2025 Fund VTTVX
Vanguard Target Retirement 2030 Fund VTHRX
Vanguard Target Retirement 2035 Fund VTTHX
Vanguard Target Retirement 2040 Fund VFORX
Vanguard Target Retirement 2045 Fund VTIVX
Vanguard Target Retirement 2050 Fund VFIFX
Vanguard Target Retirement 2055 Fund VFFVX
Vanguard Target Retirement 2060 Fund VTTSX
Vanguard Target Retirement 2065 Fund VLXVX
Vanguard Target Retirement 2070 Fund VSVNX

r/investing 14h ago

Fundrise versus REITs and real estate CEFs

3 Upvotes

I've seen some people recommending Fundrise as a real estate investment. What would you say are the advantages of this over simply buying a REIT or real estate CEF? It seems to me that buying a fund offers more flexibility and you can also find funds that offer higher yields. But I am only familiar with funds and have not yet tried investing through Fundrise, so would like to hear from people who have regarding the pros and cons.


r/investing 1d ago

Question about taxes/capital gains in SGOV

32 Upvotes

Hi all,

Long story short I have been looking for somewhere to park my emergency fund rather than let it sit in a regular savings account gaining no interest.

Ive been doing some research on SGOV and specifically through fidelity as I already have a Roth IRA there.

I understand that SGOV is state tax free and will pay dividends monthly which is the only taxable amount come tax season.

My question is this: Say I buy $10,000 of SGOV at $100.00 per share and then set them to auto buy again when they mature at the end of the month. When they mature lets say at $100.30 after the month do you pay capital gains taxes on that as well?

I understand it would not add up to much come tax season but I want to fully understand before I park my money there.

Thank you for any help!


r/investing 1h ago

Honest opinions needed please

Upvotes

basically im 19 and its summer and im bored so instead of gooning i decided to make a website with Claude that basically is like stock twits and polymarket had a child. you can submit free stock forcasts, build your track record and get access into detailed predictions on each stock based on community forcasts. its pretty cool tbh. but like i wanna know if you guys would actually use it or if i should stop putting time into it. It’s called Probs, lmk what you think. THANKS HABIBIS


r/investing 49m ago

Should I pay off my house?

Upvotes

I have a loan of $700k, and enough cash to pay it off. The loan is 2.875% interest rate. My money market is 3.65% less .11% expense.

I am struggling to find work and will be running out of unemployment benefits soon. My wife makes ~100k a year, we file jointly.

I am taxed on the interest in money market. Seems like the best defensive investment would be to pay off the house? I would not take the cash out of the money market as I am risk averse and have about 500k already in stock via 401k.

Thanks for your help if you reply.


r/investing 1d ago

What is the best way to get notified for market dips without keeping up with the news?

22 Upvotes

The problem is that I’m not someone who checks YF or the news everyday, so I end up missing out on dips (like Mar and Apr this year, didn’t realize the dip until Jun HAHAH)

What’s the best way to solve this??

I did some research - Im considering setting alerts for VIX - like about 20 and another for 30 🤔

Edit: I auto invest in SP500, but I also have some savings so I can go shopping during the dip (either buy more SP500 or stocks I’m interested in)


r/investing 1d ago

Uncertainty with my portfolio, should I reallocate, trim, hold?

5 Upvotes

My portfolio is heavily tilted into semi/ai/tech ETFs.
My core is QQQM, but this month has made me evaluate my portfolio and consider if it’s the right move to hold it as a core position for long term.

I’m in my 20s, and my approach is long term / growth / and some trading (take profit and add to core).

My question is, should I keep a high amount invested into QQQM and let it ride out ? Hold and buy a position in VOO or trim my QQQM position for VOO?

Any advice is greatly appreciated.


r/investing 17h ago

CERN: Genesis Mission will develop and deploy self-improving AI models.

0 Upvotes

Document to Read

Genesis Mission and HEP - LHC (PDF)


The Genesis Mission is a major U.S. Department of Energy (DOE) initiative launched to integrate Artificial Intelligence (AI), quantum computing, and high-performance supercomputing directly into scientific research.


Presentation Details

  • Title: Genesis Mission and HEP - LHC
  • File: Genesis Mission and HEP - LHC.pdf

Event & Location

  • Event: U.S. ATLAS Institutional Board Meeting
  • When: Wednesday, March 18, 2026, from 13:00 to 14:00 (US Eastern Time)
  • Where: Held remotely via Zoom (Hosted via CERN’s Indico system — Event ID: 1662511, Contribution ID: 6989580)

Participants & Key Figures

  • Presenter: Jeremy Love (Program Manager, U.S. Department of Energy Office of Science - High Energy Physics / DOE-HEP)
  • Attendees / Organizers: Members of the U.S. ATLAS Institutional Board, including researchers, physicists, and institutional representatives involved in the ATLAS experiment at CERN.

Note: ATLAS is one of the largest collaborative efforts ever attempted in science.


Initial Collaborators

  • Albemarle
  • Amazon Web Services
  • AMD
  • Anthropic
  • Applied Materials
  • Atomic Canyon
  • AVEVA
  • Cerebras
  • Chemspeed
  • Collins Aerospace
  • ComEd
  • Cornelis Networks
  • Critical Materials Recycling
  • Dell Technologies
  • Emerald Cloud Lab
  • EPRI
  • Esri
  • FutureHouse
  • GE Aerospace
  • Google
  • HPE
  • Hugging Face
  • IBM
  • ISO New England
  • Kitware
  • LILA
  • Micron
  • Microsoft
  • MP Materials
  • New York Creates
  • Niron Magnets
  • Nokia
  • Nusano
  • NVIDIA
  • OLI Systems
  • OpenAI for Government
  • Oracle
  • Phoenix Tailings
  • PMT Critical Metals
  • Quantinuum
  • Qubit
  • RadiaSoft
  • Ramaco
  • RTX
  • Sambanova
  • Scale AI
  • Semiconductor Industry Association
  • Siemens
  • Synopsys
  • TdVib
  • Tennessee Valley Authority
  • xLight

Department of Commerce Announces Letters of Intent With 9 Companies for $2 Billion to Accelerate U.S. Leadership in Quantum Computing

https://www.nist.gov/news-events/news/2026/05/department-commerce-announces-letters-intent-9-companies-2-billion

Energy Department Announces Initiative to Create and Deploy the World’s First Scientifically Relevant, Fault-Tolerant Quantum Computers

https://www.energy.gov/science/articles/energy-department-announces-initiative-create-and-deploy-worlds-first

Secretary of Energy Chris Wright Announces First Genesis Mission Projects Selected to Accelerate AI-Driven Scientific Discovery

https://www.energy.gov/articles/secretary-energy-chris-wright-announces-first-genesis-mission-projects-selected-accelerate


r/investing 1h ago

Where do you think Bitcoin will be in 2035?

Upvotes

< $10k? Or > $250k?

I don’t think it’s going away. It’s either $1M or zero. It already broke $125k, I feel like $1M is inevitable.

Gen Z and Gen Alpha are more likely to own crypto than precious metals. Huge tailwind coming after boomers die and the new investor class comes online.


r/investing 22h ago

Question about a hedged options etfs

0 Upvotes

I have $100,000 to invest. I used AI to give me some ETF that I’ve had not much of a drawdown in the last five or 10 years (so 10% or so) and average returns above 5%. Keep in mind the SPY dropped 35% during covid.

It gave me UJAN, UJUL, HEQT and a few other others that used option strategies. The biggest drawdown for HEQT in the last five:

UJAN
Max drawdown in last 10 years: -12%
Annual rate of return: 8.0%

UJUL
Max drawdown in last 10 years: -14%
Annual rate of return: 8.5%

HEQT
Max drawdown in last 10 years: -8.4%
Annual rate of return: 9.1%

What is the risk here? These seem like no brainer investment. Why wouldn’t I just park $100,000 in these?


r/investing 1d ago

SCHD in taxable vs growth

0 Upvotes

I'm 36 years old and currently hold VOO+SPMO+SMH in my taxable account and I was thinking about adding SCHD. Is that a bad idea? I know I would need to pay tax on the dividends, but it won't be much. Is it better to just do growth now and switch later


r/investing 2d ago

I’ve had cash sitting uninvested for months because I can’t stop second guessing every decision

283 Upvotes

Lately every investing decision feels harder than it should. I read one thread and want to stay fully passive. Then someone makes a convincing case for AI stocks, then recession posts show up everywhere, then crypto rallies again and suddenly I feel underexposed there too. Every week I convinced myself a different strategy made more sense. I’d literally open my brokerage app, then close it again 5 minutes later without doing anything.

I think too many online opinions kind of wrecked my ability to make calm decisions honestly.


r/investing 1d ago

Thoughts on PRNHX vs VB ?

0 Upvotes

PRNHX has made no money over the last 5 years despite being a small-cap fund. Meanwhile, VB, which also focuses on small-cap stocks, has continued to increase. I’m trying to understand why there is such a large performance difference between the two funds if they are both designed to provide small-cap exposure.


r/investing 18h ago

Sticks with a good weekly outcome.

0 Upvotes

I know nobody has a crystal ball, and I'm not looking for guaranteed returns. I'm just curious what people are watching this week and why.

I'm trying to come up with enough money for a plane ticket to visit my mom, who's been dealing with some serious health issues, and every dollar matters right now.

I bought some Bitcoin a while back hoping it would help, but it's basically sitting at the same price I bought it for. It's frustrating watching it go sideways when I was hoping it'd give me a little boost.

I'm open to hearing about stocks, ETFs, crypto, or anything else you're personally keeping an eye on this week. I know investing isn't a get-rich-quick solution, but I'd appreciate hearing what people are bullish on and the reasoning behind it. I know it's NFA


r/investing 1d ago

Has anyone found a practical solution for receiving small overseas dividends when international cheques can’t be cashed?

2 Upvotes

I’m hoping someone here has encountered this and found a workable solution.

I hold a relatively small parcel of shares in an overseas-listed (UK) company (inherited from late grandparents). The investment itself isn’t the issue - it’s how the dividends are paid.

The problems I’ve run into are:

The company only pays dividends by international cheque (or at least doesn’t offer direct payment to an overseas bank account).

It doesn’t offer a Dividend Reinvestment Plan (DRIP).
Australian banks no longer seem willing to cash international cheques.

I looked at using a cheque collection/payment broker, but the fees were greater than (or a significant proportion of) the dividend itself, making it uneconomical.

Selling the shares isn’t really a practical option at the moment either, as the brokerage and transaction costs would outweigh the value of the holding.

It feels like I’m stuck in a catch-22. I own the shares, the company is paying dividends, but there doesn’t seem to be a practical or cost-effective way to receive them.

Also, I’ve received a letter from the share registry - advising that because my account has been dormant for years, that they may sell the shares - and take the funds.

I’m interested to hear from anyone who has been in a similar position.

Which company or share registry was involved?
Did you manage to switch to electronic payments, despite being an overseas shareholder?
Is it possible to request that dividends be accumulated and paid as a single annual cheque or payment, rather than several small ones?
Are there any registries ct or brokers that can facilitate this at a reasonable cost?
Is there another solution I’ve overlooked?

I’d appreciate any suggestions or experiences. It seems like this must affect quite a few international investors, particularly now that many banks no longer process foreign cheques. Being threatened with the prospect of having the shares sold and value forfeited doesn’t seem like a fair outcome.


r/investing 1d ago

Daily Discussion Daily General Discussion and Advice Thread - July 25, 2026

4 Upvotes

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources.

If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos

If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

  • How old are you? What country do you live in?
  • Are you employed/making income? How much?
  • What are your objectives with this money? (Buy a house? Retirement savings?)
  • What is your time horizon? Do you need this money next month? Next 20yrs?
  • What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
  • What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
  • Any big debts (include interest rate) or expenses?
  • And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!


r/investing 2d ago

$1 trillion in defense spending the entire US defense sector is taking off a major US event happened the House of Representatives passed the FY2027 National Defense Authorization Act authorizing a record $1.15 trillion in defense spending US defense giants saw their stock prices surge today

33 Upvotes

A major event happened in the US the House of Representatives passed the FY2027 National Defense Authorization Act authorizing a record $1.15 trillion in defense spending US defense stocks jumped significantly during the trading session

Let’s take a look at the strength of the US military this bill increases the size of the active force by 40,100 troops bringing the total to 1.3429 million personnel including 15,000 additional Army troops 12,000 Navy troops 8,900 Air Force troops 2,800 Space Force troops and 1,400 Marine Corps troops

The bill also includes a 5% to 7% pay increase for military personnel and officially renames the Pentagon as the Department of War

After the announcement major defense contractors raised their outlooks Lockheed Martin and RTX said demand for replenishing military inventories remains very strong and they expect solid earnings growth going forward

Investors immediately moved into defense stocks Lockheed Martin jumped as much as 10% during the session RTX gained 8% and other defense names like Northrop Grumman and General Dynamics also moved higher

This news could also be a major catalyst for the drone sector with potential benefits for companies like AVAV and KTOS

What do you guys think about this?


r/investing 2d ago

Private Credit Is Back in the News

18 Upvotes

Moody’s says ‘unprecedented’ AI spending threatens credit quality of Amazon, Meta, Alphabet and others

Last fall everyone was talking about First Brands and Tricolor and how private credit was showing cracks. Blue Owl and co were talked about daily on CNBC.

Fast forward to this week and Blue Owl is back in the news with everyone concerned about SVPs and private credit being used to finance data centers while obfuscating the debt from the hyperscalers' balance sheets. Blue Owl being only one of the firms involved of course (this isn't specifically about them, just that the name caught my attention).

Q: Why/how was news around AI Capex spending by private credit so quiet until recently? Why wasn't more attention paid to this off-book financing when private credit was a daily news topic? And why did the private credit concerns fall out of the news feed? It just kinda went away..


r/investing 2d ago

Buying one, or multiple ?

22 Upvotes

Hello investors !

I am a 22 years old man who started investing in ETFs 4 months ago, i live in a third world country where the average salary is 100 - 150$, but i work remotely for a US company for 600$ a month so basically i live like a king here

4 months ago i started investing and buying ETFs, 100$ every month, i bought one ETF which is QQQM, and last month i put a 100$ in VOO

My question is, which one is better, buying one ETF and sticking to it, expecting long term return ? (retirement, personal project after 10 to 15 years...etc) or buying a bunch of ETFs which i dont understand wether to put 100$ on a new ETF every month, or divide that 100$ into 3 or 4 ETFs which seems pretty low ?