The Trump accounts just got released, meaning that every baby born in the U.S from January 1, 2025 to December 31, 2028, get an automatic 1,000 dollar seed from the U.S gov in an investment portfolio.

Trump accounts auto swept into SPYM, here's what I learned about why:

- SPYM's 0.02% expense ratio is the lowest among mainstream S&P 500 ETFs, and combined with its 321% 10-year return, it earned the fund the Trump Account default spot

- SPYM beats VOO on fees and matches its returns, while SPY's liquidity edge only matters for traders, not 18-year buy-and-hold accounts

- SPYM's 33% tech weighting and zero downside protection mean parents must stomach 30%-plus drawdowns to capture the 18-year growth thesis

Whats the impact here?

22 y/o with no debt, have about 100k in my HYSA only earning 3% yearly. Just scared to invest more into VTI with how tech heavy the market is. Have around 90k in VTI and some smaller holdings in individual stocks and debating dumping about 70% of my HYSA into my brokerage. Just looking for others insights

https://preview.redd.it/r6joagv5wmbh1.png?width=1216&format=png&auto=webp&s=e4c3f2d25417d44696308953895cfefa6ed7eb8a

At the time I'm making this post (was around 5 PM GMT+2):
Kioxia +12%
MU +2.5%
SNDK +2.8%
SK hynix -3.4%
WD +8.8%
Samsung +2.8%
STX +6%
FRK FTSE Korea -0.8%
RMBS +6.3%
SIMO +11.6%
PENG +12.2%

Simple math: ETF should be up ~3.9% but it is red (closed at -0.88%)

US DRAM ETF, which is 75% MU, Samsung, SK hynix, is up 6.7%

Can someone please ELI5 why?

PLEASE DONT REPORT.....

I have asked permission from the mods to post this. Not offering investments or soliciting anything just sharing the process of building a financial product from scratch and looking for thoughtful engagement from the community.

Over the last year I've been building an index with the end goal to get STACK to market as an ETF.

STACK is a semiconductor infrastructure index designed to capture the companies that make modern chip production possible. Rather than focusing solely on chip designers, STACK targets the broader ecosystem behind semiconductors including advanced packaging, testing, metrology, process control, materials, equipment, and the physical infrastructure supporting fabrication and data center expansion. The goal is to provide exposure to the businesses enabling the entire semiconductor value chain, not just the companies designing the chips themselves.

The underlying index is scheduled to go live on Bloomberg on July 31, 2026, which is a major milestone after months of research, methodology development, daily performance tracking to compare against the market benchmarks for semiconductors and AI infrastructure and discussions with industry participants.

The project started because I felt that most semiconductor ETFs heavily emphasize chip designers and large cap names, while many of the businesses enabling the entire ecosystem receive much less attention.

I've also spent years working around data centers and semiconductor infrastructure, so a lot of this idea came from boots on the ground observations of where capital spending is actually occurring.

I'm curious:

Do you think semiconductor infrastructure is sufficiently represented in existing ETFs?

What would you want to see in an infrastructure focused semiconductor index?

If you were evaluating a new thematic ETF, what would make it stand out from products like SMH or SOXX?

Also AMA that you may want to know about the process or what started it or if you want more information about STACK itself.

Thank you everyone and hope y'all had a great weekend.

Recently I achieved a really high paying job into six figures. I spent all my life not saving money and having nothing to show for. I want this to be different and invest correctly. I have budget myself to put a big amount of money into my 401k and such but my main question would be for my Roth Ira and my normal brokerage account. I am not looking for individual stocks my objective is to pump money 2-3 times a month and forget about it. Dividends are a plus!

Have a good morning if you are reading this at easter time

Hey, i'm 41 years old, from Switzeland. I have opened an account in IBKR to invest some of my money in ETF. I have some backups so i would like to invest for the next 20-30 years with some risk but not too much (retirement and kids). I will DCA every month.

After some research, I tend to go for 65% VT, 25% SPMO and 10% AVGV.

I have my core as VT, SPMO as my performance and AVGV for a bit of value.

Is it too agressive for my long term objective ?

Hi guys, I really do believe in the AI infrastructure. I would like to sell my current QQQM position and allocate it into the AIS ETF. I know it is risky but I believe there is a lot of future growth.

Hey! I'm taking a gap year this year, and plan to travel with money I will save by working for next 5-7 months! What should I invest in in todays market for a fairly quick sell (1-7 months)?

I just yolo everything I have into only VT and it's worked out nicely so far. Wondering if anyone has any recommendations to help me build a more solid portfolio.

​

I have been building semiconductors and data centers for the past 6 years. Over the last year I've been researching the semiconductor and data center market and one thing that surprised me is how much attention goes to chip designers and GPU companies, while far less attention seems to be given to the companies that enable production and deployment.

I'm talking about businesses involved in areas like:

Advanced packaging

Semiconductor testing and inspection

Metrology and process control

High-purity systems and materials

Other physical infrastructure required to manufacture and scale advanced compute

It made me wonder whether the market is underestimating the importance of these infrastructure bottlenecks as AI demand continues to grow.

For those who follow semis closely:

Do you think this part of the supply chain is underappreciated by investors?

Are there existing investment products that already capture this exposure well?

Which infrastructure companies do you think will become more important over the next 5–10 years?

I'm genuinely interested in hearing different perspectives and seeing if others have come to similar conclusions. Also would love feedback on whether investors would find this type of exposure useful.

I’m in my mid 30s and have been building positions in QQQ, SPY, and VGT for 6 or so years. All three have done well but I notice a lot of folks on here swear by VTI and VOO regularly. I am only interested in long term holdings and wondering if you all think I would benefit from investing into those as well or keep adding to my existing ETFs? It looks like VTI has less overlap with my existing holdings, so presumably that would be a better one to start building but just curious what you all think.

Hi! I'm 24 years old and I'm interested in investing in ETFs for the long term, but honestly, I don't know where to start.

I've been looking at some of the most popular ETFs, but they seem to be out of my budget. I'm a student, and I can only afford to invest about $200 per month.

I'd really appreciate any advice or recommendations on how to get started. Thank you!

Hi everyone,

I'm 39 years old, currently living in USA, and my family depends entirely on my income. My investment horizon is 20+ years, and I'm comfortable taking higher risk because my goal is long-term wealth creation rather than short-term income.

I already have investments across three countries and want to build a portfolio that I can continue investing in for the next two decades.

🇮🇳 India

Current investments:

• Axis Small Cap Fund , PGIM Flexi Cap Fund

I'm considering adding:

• Nifty 50 Index Fund, Nifty Next 50 Index Fund

🇩🇪 Germany

Currently own:

• Novo Nordisk, Nvidia

I'm also considering adding Europe-listed UCITS ETFs since my family are Germany Citizens and use DEGIRO.

🇺🇸 USA

Current holdings:

• Meta, Alphabet (Google), Microsoft,Oracle
• QQQM

I'm also thinking about adding:

• VOO,SMH,VGT,CIBR,BOTZ, SPMO

because I believe AI, semiconductors, cybersecurity, robotics, and cloud computing will be major growth areas over the next 20 years.

My Goal

I want to build a portfolio that I can consistently invest in every month for the next 20 years without constantly changing my strategy.

I don't mind volatility as long as the long-term potential is strong.

Questions

1. Am I too concentrated in U.S. technology?
2. Should I replace some individual stocks with ETFs?
3. Would you keep both QQQM and VGT, or is there too much overlap?
4. Would you add VOO if I already own Meta, Google, Microsoft, Oracle, and QQQM?
5. How much would you allocate between:
   • USA
   • Germany/Europe
   • India
6. If you were 39 years old with a 20-year investment horizon, what changes would you make to this portfolio?

• r/Bogleheads (expect advice favoring broad index funds over stock picking)
• r/ETFs
• r/ETF
• r/ETFs_Europe
• r/investing
• r/stocks
• r/ValueInvesting (for discussion about individual companies)
• r/IndiaInvestments (for the India portion of your portfolio)

1. Are there any sectors I'm completely missed?

I'm looking for constructive criticism rather than validation. If you think I'm making mistakes or taking unnecessary risks, I'd really appreciate hearing why.

Thanks!

I initially had VFV and VXUS as part of my core portfolio but I got into the trap of performance chasing and sold both of them to buy VGT and DRAM. I bought VGT at its peak and I’m down a bit but I have gains from DRAM.

I’m considering selling both of them and full port into VOO or VFV again to reduce risk.

Is this the right move?

Do you mix Dividend ETFs within a Foundational / growth portfolio?

I am doing this currently and DRIPing the Dividends back in. Given enough time, would the Dividend segment outgrow the other ETF allocations?

36M, 88K invested, 30 Year horizon.

Current Portfolio:

Ticker	Weight	Reason
VOO	48%	Foundation
FTEC	20%	Growth
SPMO	12%	Growth
SCHD	10%	Dividend
FDVV	10%	Dividend

Last time when the market dropped I bought $15,000 in the Nvidia and in 14 months of up 75% as of today. Now that I'm a family man and almost 40 years old I'm thinking of investing in the s&p 500. I've been using E-Trade. Played around with the market in the past made some money from Apple and AMD, should have kept my money in AMD, panic selled when Trump took offoce, took my gains,watched the market drop and put it all in Nvidia when it was low. About to put some more money in a CD for 4% aswell. Basically I want to start a retirement fund and was thinking is voo etf a good place to slowly start dropping money here and there into.