this post was submitted on 09 Jul 2025
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I’m not continuing this discussion to change your mind. If you’re happy with what you’ve got you’ve no need to listen to me. Big consumer investment houses are there to make money off you. Everything you listed is exactly what I mentioned as being a reduction in your ROI and incurring fees and taxes. For instance, we’ve invested in QQQ (feel free to check it) for more than a decade using the strategy I mentioned first. Even over the last 5 years it’s had 110% return. $10k is now more than $20k without bothering to calculate DCA or returns investing. Now do that across more index funds. Even if averages 7% with gains/losses and no fees or capital gains you can see that this comes out far ahead.
All that said, good luck.