All-in QQQ buy-and-hold. Owns a single Nasdaq‑100 ETF (heavy in mega-cap tech) for long-term growth. No rebalancing or cash buffer; returns will swing with big US tech and related sectors.

It buys one fund—QQQ—and holds it. QQQ tracks the Nasdaq‑100, a basket of large, mostly tech‑focused US companies (like Apple, Microsoft, Amazon, Alphabet, Nvidia, Meta, Tesla). There’s no market timing or scheduled rebalancing. It stays fully invested.

Out-of-sample, Nasdaq-100 (QQQ) delivers higher growth: 21.4% vs 19.3% for the S&P, with Calmar ~0.94. Expect larger drawdowns (22.8% vs 18.8%), but greater long-run upside from tech leadership.