ETF investing just got smarter. This 3-ETF portfolio will replace VOO, QQQ, SCHD for better returns. Discover how SPLG, VGT, and DIVO outperform the popular trio while keeping risk nearly identical. We’ll also share bonus ETF picks—SMH for growth, FNDF for diversification—and back it all with 10 years of performance data. Build a better strategy, minimize overlap, and grow smarter in 2025. Know Your Money.

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📖 Chapters 📖
00:00 – Intro
01:22 – Why Overlap Kills ETF Performance
02:06 – Replace VOO with SPLG (Same Exposure, Lower Cost)
02:48 – Swap QQQ with VGT: Higher Returns, Lower Overlap
04:19 – Upgrade SCHD with DIVO: Better Yield & Total Return
06:15 – Comparing the Risk Between the Two ETF Portfolios
06:41 – FNDF: International ETF for Smarter Diversification
07:18 – Bonus Growth Option: Add SMH (Semiconductor ETF)
09:07 – SMHX: High Risk, High Reward Semiconductor Pick
09:48 – Portfolio Comparison: 5-Year and 10-Year Returns
10:31 – Portfolio Comparison with SMH instead of VGT
11:16 – Final Thoughts: Build a Smarter Portfolio in 2025

Disclaimer: The information provided on this channel is for educational and informational purposes only and should not be construed as financial or investment advice. I am not a licensed financial advisor and the information presented in these videos should not be relied upon as investment advice. You should always do your own research. Investing involves risk, including the risk of losing money. Past performance is not indicative of future