In 2025, I tracked 2 ETFs that I have, alongside the individual top 12 holdings of each, and the difference in value is staggering.

I did well with 2 ETFs this year: CHAT and QTUM. But I was curious: CHAT made 51% this year while QTUM grew 39%.

However, had I invested in CHAT's 12 top holdings as equities, this would have netted 98%! QTUM's 12 would have garnered 71%.

Does anybody just breakdown an ETF favorite and lean into their own stock buys?