If you’re in your twenties and building wealth for the long haul, the Nasdaq-100—tracked by the Invesco QQQ Trust—is your ticket to tech-driven growth. Heavy on AI powerhouses like Nvidia, Apple, and Microsoft, this ETF has delivered over 10% annual returns since 1999, outpacing the S&P 500. Yes, it’s volatile right now, down 9% from its peak, but that extra risk could pay off big as AI reshapes everything from self-driving cars to quantum computing. Diversified with staples like Costco and PepsiCo, QQQ isn’t just about hype—it’s a proven play for the next 30+ years.

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