@jacobdoesmoney2: 10 of the biggest ETFs, smashed or passed as long-term holds. The smashes: VOO and VTI are the core, the whole US market for 0.03%. QQQM is the cheap way to hold the Nasdaq 100. SCHD is the dividend fund with the track record. VXUS covers the rest of the world. VUG is large cap growth done simply. The passes, and none of them are scams: SPY holds the same 500 companies as VOO at three times the fee, it's built for traders, not holders. VYM is fine, SCHD just does the same job better. JEPI pays you monthly income by selling away upside, the opposite of what a long-term compounder wants. And BND mostly drags for decades when you're young. It earns a spot the closer you get to retirement. Judged as long-term holds only. If you're trading, different conversation.

Jacob | Investing | Marine Vet

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Saturday 22 August 2026 21:51:22 GMT