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REDDIT

100% voo (401k) and 100% qqq (brokerage) - worth the risk?

E
Jun 4, 2026 · 18:51

34. estimated retirement 55. so i'd be drawing from brokerage at 55, and ideally not touching the 401k until 65.

401k is currently at $424k.

opening brokerage this month with $400k, lump sum.

with the 401k being a longer period, going with voo seems safe. without further contributions, assuming a 10% return rate over 31 years, that's over $9 million.

but the return potential on qqq is tempting. 18% historical return, right? so $400k over a 21 year period... over $17 million. potentially.

worth the risk? or should i keep it simple with voo across my 401k, brokerage, and roth ira accounts?