Investments

ETF	Index/Focus	Category	10-Year Past CAGR*	Growth Outlook (2025–2035)	Diversification	Volatility
QQQ	Nasdaq-100	Large-cap Growth	~18–19%1 2	High—innovation/tech-driven	Broad (tech-heavy)	Moderate-High
SMH	Semiconductors	Sector (Tech)	~24–28%3 4	Highest—AI, chips, sector growth	Narrow (semis)	High
TOPT	Top 20 US Stocks	Large-cap Blend	N/A (New fund)	Moderate—mega-cap stability	Very narrow (top 5 = 60%+)	Moderate

*Past performance is not a guarantee of future results. TOPT was launched in late 2024, so no real 10-year track record exists.

: Includes Microsoft, Apple, NVIDIA, Amazon, etc.—a mix of tech and consumer giants.
: ~18–19% annualized return, outpacing most broad indexes12.
:
- Positioned for continued innovation: AI, cloud, e-commerce, digital services.
- Tech sector dominance may persist, but expect lower returns than the last decade as valuations are high and megacap tech faces regulatory and competitive risks.
- Risks: Heavy concentration in a few names; less exposure to value/cyclical sectors5.
: High growth potential, balanced by sector concentration. Expected to beat S&P 500 but possibly trail SMH if the semiconductor boom continues67.

Tracks MVIS US Listed Semiconductor 25 Index: NVIDIA, TSMC, Broadcom, AMD, and similar are top holdings.
: ~24–28% CAGR, making it one of the top-performing ETFs, driven by explosive chip demand8 34.
:
- Sector is at the center of AI, cloud, automotive tech, 5G, and future computing advances.
- Analyst consensus points to continued outperformance—potential for the highest returns, but with significant volatility tied to industry cycles, global competition, and geopolitical risk84.
- Top holdings are projected to maintain >30% growth rates for several years, according to sector analysis4.
: Highest growth potential among the three, but risk is much higher. A bet on semiconductor demand’s ongoing surge.

: No genuine 10-year data yet9.
: Pure mega-caps (Apple, Microsoft, NVIDIA, Amazon, Berkshire Hathaway), top 5 account for over 60% of assets.
:
- Growth will largely mirror that of the “Magnificent Seven” mega-caps—solid, but unlikely to keep up with SMH, and may trail QQQ if tech sector narrows.
- Lower diversification and no mid/small-cap exposure means less chance for breakout returns, but somewhat lower risk than pure sector funds9.
: Growth should be robust due to heavyweight companies, but outperformance over QQQ or SMH is unlikely without a major shift in the mega-cap landscape.

likely offers the strongest growth upside (10+ years) due to continuing AI, semiconductor, and tech hardware demand—but with notable sector risk and cyclicality8 34.
is exceptionally well-positioned for diversified tech-driven growth, likely outpacing most alternatives except ultra-focused sector funds like SMH26.
provides efficient mega-cap exposure, but limited portfolio breadth may cap its long-term growth versus QQQ and SMH9.

Conclusion

If your focus is maximum long-term growth with high volatility, SMH stands out as the leading choice due to the global importance and rapid advancement in semiconductors. QQQ provides strong, broad-based exposure to technology and innovation with a slightly lower risk profile. TOPT, as a new entrant with a heavy mega-cap concentration, should deliver reasonable stability and moderate growth, but probably will not match the high-flyers over the next decade.

Always review your risk tolerance and investment horizon before making allocation decisions. Past performance is not indicative of future results.

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