Hey everyone — looking for some guidance.
I’m building a long-term, mostly “set it & forget it” portfolio. I used to lean more toward individual stocks, but I’ve shifted toward ETFs for lower risk and less active management over time.
**Current situation:**
* \~$200k in buying power
* Planning to deploy gradually via weekly DCA
* Long-term horizon
* US resident, 30 years old
* Standard taxable brokerage account
Based on my research, I’ve been considering:
**VOO, VTI, VT, QQQ / QQQM, SPY**
I know there’s significant overlap between many of these, which is something I’m trying to avoid. Curious which of these you’d prioritize (or skip entirely) and *why*.
**What I’m already doing:**
* \~$25k in VOO
* $300/week DCA into VOO currently
* Considering increasing that to $500/week and adding 2+ other ETFs alongside it
I’ve also thought about allocating a small percentage to something higher risk (e.g., QTUM) just as a speculative “sprinkle,” but the core goal is broad, long-term growth.
Would love to hear how others would structure this, especially around overlap and simplicity. Appreciate any thoughts or perspectives!