A simple, tech-focused plan: every month, invest 100% of your new money into QQQ (Nasdaq-100 ETF). It's easy to implement, uses dollar-cost averaging, but carries concentrated tech risk without diversification.

Here’s how to read it in plain language: - You set aside a fixed amount of money each month to invest. - All of that monthly money goes into buying QQQ, the Nasdaq-100 ETF. - Because there’s only one asset, there’s nothing to balance against other investments; you simply own more shares of QQQ over time. - QQQ itself owns a basket of big technology and growth companies listed on Nasdaq. - Over time, your investment grows with the performance of that tech-heavy basket, subject to the ups and downs of the stock market. - Costs are the ETF’s annual fee and any broker fees; taxes apply to dividends and any gains when you sell. - If you ever diversify later, you’d add more assets and the equal-weight rule would split new money among those assets, but in this setup it’s all in QQQ.

Out-of-sample shows higher growth: ~16.4% annualized vs ~13.4% for the S&P 500, with solid risk-adjusted return (Calmar ~0.55) from a simple, monthly QQQ buy. Accept higher drawdowns (~29.6%) for tech-led upside.