Long term ETF (QQQM+XLY v.s VOO).

We must 1st understand. less diversify = higher volatility = higher growth (if choose the right one)

Over long term, tech, consumer discretionary, and healthcare sector will outperform S&P500.

Thus i will choose QQQM (Tech heavy) + XLY.

A very good idea.

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Hmm, it's hard to say really. But I'm more curious about why you chose to add XLY though, since QQQ already has a consumer discretionary sector included in it. In fact, XLY's top 2 holdings overlaps with QQQ's consumer discretionary, with AMZN and TSLA make up 36% of XLY and 12.5% of QQQ. I would've thought to add an ETF targeting financials since QQQ excludes financial companies.

Personally, I would just settle for 1 ETF, QQQ. VOO is definitely more divsersified and slightly less tech heavy. But I like tech and I do expect it to outperform over the next 10 years, which is why I would choose QQQ over VOO.