Subject: Re: OT Saul
If you look at the top 10 holdings of VOO it is almost the exact same stocks as QQQ, VONG, FCNTX and many others. The differences are mainly in the weightings.

META
NVDA
BRK-A/B
MSFT
AMZN
AAPL
GOOG
AVGO

I have cut to the chase in some accounts and invested in just those companies instead of the ETFs.
Of course, the trick is to know when to STOP concentrating in that handful of names. But everybody, all these funds, will have the same problem at about the same time.

I think this comes under the heading of
"Put your eggs in one basket and then watch that basket." -Andrew Carnegie