A simple benchmark: put 50% in SPY (broad U.S. stocks) and 50% in QQQ (tech-heavy growth) and hold. No market timing, minimal maintenance, with a tilt toward mega-cap tech.

It splits your money evenly between two well-known U.S. stock funds and holds them. - SPY: a broad mix of the 500 largest U.S. companies across many industries. - QQQ: the 100 biggest Nasdaq-listed companies, heavily tilted to big tech and growth. No market timing; starts 50/50 and then largely lets it ride.

Out-of-sample, a simple 50/50 SPY/QQQ mix outperforms the S&P 500: ~21.4% annual return vs ~19.4%, with solid risk-adjusted Calmar ≈ 1.03. Tech tilt, liquidity, and minimal upkeep—a clear, scalable edge.