Want to invest $10,000 in VOO and QQQ? 4 big advantages can help you do this !

Many people, after painstakingly saving up to $10K dollars, begin to ponder how best to utilize this sum.

Currently, the prevailing sentiment leans towards investing the entire funds in ETFs, whether it be individual stocks, or broad market ETFs like VOO, and QQQ.

However, you might wonder if it’s better to simply allocate everything to VOO and QQQ, and then leave it untouched.

Therefore, drawing from my own experience, I will first analyze the pros and cons of such an approach, address its feasibility, and finally, if viable, highlight important considerations to bear in mind post-investment.

What are the advantages to investing $10K all in VOO and QQQ?

There are 4 pros for doing this:

Reducing Your Chances of Regret

Firstly, adopting this approach can reduce your chances of regret.

For broad market ETFs like these, the biggest risk lies in constant buying and selling, which often leads to missed opportunities for profit.

Consider a real-life scenario: In 2022, during a prolonged stock market downturn, you might easily succumb to the market’s pessimistic sentiments and contemplate selling to cut losses.

After selling, however, you may find the market rebounding. Initially skeptical, you might dismiss it as a mere bounce. Yet as prices climb back up, you realize it’s a genuine recovery, prompting you to hastily buy back the shares you sold.

Referencing the trend chart of VOO since 2022 from Yahoo!Finance can offer further clarity.


Just leave them alone, you can avoid such unnecessary acts, and reduce the chance to regret.

It allows your money to generate returns automatically

Although VOO and QQQ distribute relatively modest dividends, which are subject to a 30% tax deduction, they consistently pay dividends every quarter. By reinvesting the cash dividends received, they generate more dividends in the next distribution cycle, perpetuating this cycle of growth.

In unfortunate circumstances, such as prolonged downturns as mentioned earlier, you can capitalize on relatively low positions to lower your average cost. Regardless, dividends will continue to be paid out.

Remember, all wealth accumulates from these seemingly insignificant sums of money.

You can easily have an annual return of around 10%, outperforming 80% of investors.

Without worrying about market fluctuations, you can easily achieve an annual return of around 10%.

Don’t believe it? Just take a look at the data compiled by official information of VOO and QQQ (both statistics as of February 29, 2024):

YTD1-yr3-yr5-yr10-yrSince inception

Therefore, even amidst numerous ups and downs, as long as you hold onto VOO and QQQ for the long term, you can still earn nearly or even more than 10% annually.

In simple terms, by buying and holding without constant monitoring, you’re already outperforming 80% of the market.

You’ll have more time and energy to pursue what you truly want

Once you’ve made your purchase and let it be, you’ll free up valuable time and energy to focus on developing other aspects of your life.

You no longer have to be overwhelmed by excessive financial information and market rumors, leading to confusion or even regrettable decisions. By saving this time, you can devote yourself to what you deem worthy, such as family, spending time with your children, pursuing hobbies, cultivating side businesses, and more. This way, you open up more possibilities for yourself, rather than being tied down by stocks.

What are the cons for doing this?

Of course, there are 2 disadvantages you need to pay attention to:

You might accidentally forget

If you just leave it and forget about it, be cautious not to let it slip your mind.

Initially, you may occasionally check your account, but as time goes on, you’ll become so focused on other things that you’ll almost forget about them until one day, decades later.

(However, if that’s really the case, and you suddenly remember to check one day, only to find that it has grown to tens of millions, it should be a pleasant surprise for you.)

It might earn slower than individual stocks

Compared to “rocketing stocks,” leaving it untouched might result in slower gains.

When you first start investing, it’s easy to get influenced by market buzz and unconsciously compare the performance to the hot rocketing stocks of the moment, which can dent your confidence in investing.

(However, VOO and QQQ are meant for long-term holding, requiring time for their magic to unfold. Besides, the emergence of rocketing stocks is only temporary, and they can’t be compared to ETFs that require a gradual approach.)

Can you leave it alone after investing?

In summary of the pros and cons mentioned above, putting all of the $10K into VOO and QQQ and leaving it untouched is a fantastic approach, and it’s what you should do.

I personally adopt this method, investing all of my funds over $60K into VOO and QQQ, and utilizing the feature of DRIP offered by brokerage firms. This allows the dividends and the number of shares in my account to grow steadily, enabling me to focus on developing in the direction I desire.

What should you pay attention to after investing?

After you’ve invested, make sure to do the following three things:

1.Avoid checking your account balance frequently.

2.Reduce exposure to financial news and media.

3.Get away from all stock discussion forums and social media accounts.

By doing these three things, you can significantly reduce distractions and minimize the chances of making mistakes, allowing your VOO and QQQ investments to grow steadily.


Putting all $10,000 dollars into VOO and QQQ and then leaving it untouched is a highly worthwhile endeavor. Not only can you ignore market fluctuations and reduce the frequency of mistakes, but you can also reinvest dividends to buy more shares, allowing your account to continuously generate income. With this approach, you can enjoy an annual return of around 10%, easily surpassing 80% of investors. Additionally, the extra time gained can be used to develop yourself and move towards your ideal life.

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