假设从2004到2023，每年第一天投$10000，dividend reinvest，到现在qqq有$1368964, spy 有$730617。这个差别真不小。是不是应该适当增加科技股指数在定投中的比例呢？尤其是离退休还远着的人？
https://bbs.wenxuecity.com/tzlc/1770663.html
Below is total return (including dividends). This is before beta and risk adjustment.
2000 第一天的$10000， qqq现在增长到51391. 还是比Spy 50361多
因为是长期每年定投，即使在这一天投了，总体影响不大。除非一个人在过去20几年只在最差的那一天投了，以后也不加了，才有可能spy return更好。
另外要考虑的是QQQ持股偏向大中型公司，如果看好小盘股应该另加一个小盘ETF。
两者dividend不同，加上DRIP也不一样。
过去二十年技术股涨的多，下一个二十年未必，因为历史上技术股远不如SP指数。
https://finance.yahoo.com/chart/QQQ?showOptin=1#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-
假设从2004到2023，每年第一天投$10000，dividend reinvest，到现在qqq有$1368964, spy 有$730617。这个差别真不小。是不是应该适当增加科技股指数在定投中的比例呢？尤其是离退休还远着的人？
https://bbs.wenxuecity.com/tzlc/1770663.html
Below is total return (including dividends). This is before beta and risk adjustment.
2000 第一天的$10000， qqq现在增长到51391. 还是比Spy 50361多
因为是长期每年定投，即使在这一天投了，总体影响不大。除非一个人在过去20几年只在最差的那一天投了，以后也不加了，才有可能spy return更好。
另外要考虑的是QQQ持股偏向大中型公司，如果看好小盘股应该另加一个小盘ETF。
两者dividend不同，加上DRIP也不一样。
过去二十年技术股涨的多，下一个二十年未必，因为历史上技术股远不如SP指数。
https://finance.yahoo.com/chart/QQQ?showOptin=1#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-