ETF

Mostly investors are investing in ETFs as they are lower risk, offer instant exposure to hundreds of stocks, and provide more stability. On the other hand, individual stocks provide higher returns but with more risk factors.

ETFs mostly offer tax-efficient investment strategies because of their structure, often leading to fewer capital gains distributions than actively managed funds. So for a new investor, ETFs are best as they give broad exposure and reduce the risk factor.

It's always beneficial to diversify your investment. For investment, you can consider the Vanguard Total International Stock ETF (VXUS), the Vanguard FTSE Europe ETF (VGK), the iShares MSCI Emerging Markets ETF (EEM), the Franklin FTSE Australia ETF, or the Vanguard FTSE Emerging Markets ETF (covers China, India, and Brazil).

US ETFs provide substantial liquidity and access to high-growth industries for foreign investors, making them advantageous long-term growth investments. But they usually have to pay foreign exchange costs for conversions and pay US dividend withholding taxes, which can be as low as 30%, according to tax treaties.

So as an international investor, you have to be fully aware of the US estate tax system for large portfolios. So for the long term, they are attractive if you can digest these factors.

Yes, shifting VEA to Roth is more tax-smart, as Roth IRS offers tax-free growth and withdrawals, which makes it good for higher-yielding or less tax-efficient assets.

Consider VEA's higher dividends in taxable accounts. Analyze the long-term growth and tax implications of both VEA and VWO within your Roth account for tax-efficient international allocation.

The widespread use of ETFs can improve market efficiency by incorporating macro information and providing liquidity. But increased passive investing could reduce the active stock research, which impacts the long-term responsiveness to fundamentals. The overall effect is still debatable.

Many US brokers offer commission-free ETF trading; frequent trades in a daily SIP strategy can still lead to substantial long-term costs due to increased tax liabilities from multiple short-term capital gains events. You should consider less frequent, larger investments for better tax efficiency.

Select Sector SPDRs are ETFs that let investors focus on some specific S&P 500 industries. Investors often expect high trading activity and turnover in fast-paced sectors like technology and healthcare. And this is because of rapid growth or changes in these sectors, unlike more stable areas. It's always advisable to check each fund's investment goals.

Your ETF strategy is well-balanced so that it can grow and make you money over the long term. VUG gives you growth and IJR targets for capital growth; VTV is for value; SCHD is for income; VNQ is for real estate; and AGG is for bonds.

This diversification helps you in your business growth and makes money for you. So for beginners, amalgamation of growth, income, and stability is very good.

I would suggest you go with a balanced approach. Understand that VTI covers a lot of different markets, VOOG is all about growth stocks, and QQQ is all about tech stocks. QQQ will grow quickly, but it is more volatile.

So investing some amount in all three will lower your risk factor, and you can take advantage of tech gains.

Remember one thing for life while investing: for long-term progress, it's important to make regular investments and diversify your investments every month.

In simple language, ETFs(Exchange Traded Funds) are collections of bonds, stocks, and other assets. Stock exchanges trade ETFs, which are investment funds. When you buy an ETF, you are buying shares of the entire collection.
It's very affordable; you can easily buy and sell the ETFs at market price. It gives you broad market exposure. 
So it's always beneficial to invest in ETFs, as you can easily diversify your portfolio, which ultimately reduces the risk factor for long-term investment.

Ultimately, its your choice where to invest. But I suggest:

Invest in stocks when you want high returns with the high-risk factor. FDs are the safe options with assured returns, with a low risk factor. ETFs offer you a diversified portfolio with not too much risk and good returns.

Economic analysts predict to increase the economic growth of the USA, the interest rate should be decreased. Undoubtedly, the US aims to expand its economy in order to boost the country's GDP.
In the case of ETFs, the market is saturated, as it reached the $1.1 trillion mark last year.

SCHD and VYM both give stability, but their growth is slower than other ETFs like QQQ or VIG. If your objective is consistent income, not fast growth, then they perform well. You are therefore lacking nothing; the focus should be on matching your financial growth.

There is no need to switch totally to ETFs. You can keep your stocks and add other ETFs like SPY or SCHD to your portfolio, as they provide more stability and broader exposure to you. My suggestion for you is to just maintain your core stocks and invest in ETFs for better diversification and for steady returns.

Investing in VTI is a good decision because of its broad market exposure. Managing the market is challenging, so start early with small, regular investments can reduce the risks from short-term market ups and downs. Try to balance VTI with safer investment options like Treasury bonds, Blue-chip Dividend Stocks, Treasury bills and others.

Investing needs diversification. Investing in UD Dividend ETF is a beneficial choice. To diversify, you can explore other ETFs like VXUS, IEMG or VWO for global exposure.

For long-term growth, all four ETFs are excellent options. SPY provides exposure to the S&P 500 and a diverse range of large-cap US companies, making it an ideal choice for long-term growth.
VOOG and SCHG focus on growth stocks, which provide possible profits, but more risk is there. 
QQQM primarily favors technology companies. It provides more volatility but also more growth potential.

So if you want long-term growth, then SPY, VOOG, and SCHG can be beneficial options. If you are seeking a more rapid expansion, QQQM is the best option for you.