since you say QQQ, i will not advise buying ONLY QQQ. Only VOO, I can get behind the idea.

I do have quite a bit of QQQ but here is my take - the companies go and in out pretty regularly, sometimes, you do want a long runway for the companies you buy and they may take a longerrr while to bear fruit. As always, looking at historical performance to gauge future returns is 100% useless. I would be a multimillionaire, retired by now if historical gains repeats itself.

QQQ has quite a strong drawdown compared to VOO / DOW / S&P 500 especially in bear markets, i think you need to be prepared for -50% in the short terms when you start investing - will you be able to stomach it?

Otherwise I am quite fond of it as a part of my personal portfolio.

How much is 150usd per month to you? Do you have other investments, insurance, liabilities? Is your 150usd going to increase over time? Is this going to your retirement fund? WHat are the long term goals, how far out are you looking at?

- I personally think there is no harm in owning fractional stocks of tech companies. I still don't really have 1 AMZN or 1 BRK-A, if that's what you are asking. But less than 1 of AAPL is weird. Eventually you want to reach a big portfolio though.

What method do you use to buy fractional shares? will they incur a lot of fees? If you break 150 to 10 transactions and each get charged $1USD you are going to make your broker rich faster than you.

150 USD put in stashaway saja la