If you're only buying $VOO, you're underexposed to the best-performing sector of all time: technology.
Instead of replacing VOO entirely, pair it with a tech-heavy ETF to tilt your portfolio:
1) 70% $VOO + 30% $QQQM/$QNDX
2) 80% $VOO + 20% $XLK
3) 80% $VOO + 20% $VGT
4) 85% $VOO + 15% $SMH
5) 70% $VOO + 20% $QQQM + 10% $SMH
This approach keeps broad market exposure while leaning into tech without abandoning diversification. The question isn't whether tech will outperform—it's whether you're comfortable with the concentration risk when it doesn't.
Instead of replacing VOO entirely, pair it with a tech-heavy ETF to tilt your portfolio:
1) 70% $VOO + 30% $QQQM/$QNDX
2) 80% $VOO + 20% $XLK
3) 80% $VOO + 20% $VGT
4) 85% $VOO + 15% $SMH
5) 70% $VOO + 20% $QQQM + 10% $SMH
This approach keeps broad market exposure while leaning into tech without abandoning diversification. The question isn't whether tech will outperform—it's whether you're comfortable with the concentration risk when it doesn't.