How To Keep & Grow Your Money #35

Smarter Investing Starts with Smarter News

Cut through the hype and get the market insights that matter. The Daily Upside delivers clear, actionable financial analysis trusted by over 1 million investors—free, every morning. Whether you’re buying your first ETF or managing a diversified portfolio, this is the edge your inbox has been missing.

Subscribe for free and invest with confidence.

^{_{This section can contain product affiliate links. We may receivwe a commission if you make a purchase after clicking on one of these links.}}

In this letter, we analyze the Invesco NASDAQ 100 ETF (QQQM).

Ticker: QQQM | Price: $214.70 | Gross Expense Ratio: 0.15% | Assets Under Management (AUM): $47.9 billion | 10-Year Average Annual Return: 12.78% (as of May 16, 2025)

What is it (short)?

The Invesco NASDAQ 100 ETF (QQQM) provides investors with exposure to 100 of the largest non-financial companies listed on the Nasdaq Stock Market, focusing on sectors like technology, consumer services, and healthcare.

What is it (long)?

QQQM aims to replicate the performance of the NASDAQ-100 Index, which includes companies such as Apple, Microsoft, and Nvidia. The fund invests at least 90% of its total assets in the securities that comprise the index, offering a cost-effective way to gain access to leading large-cap growth companies. With a low expense ratio of 0.15%, QQQM is designed for long-term investors seeking growth through exposure to innovative and market-leading firms.

Our thoughts:

QQQM is an attractive option for investors looking to capitalize on the growth potential of major non-financial companies, particularly in the technology sector. Its focus on established industry leaders provides a balance of growth and stability. However, investors should be aware of the fund's concentration in specific sectors, which may lead to increased volatility. As always, it's important to consider how this investment aligns with your overall portfolio strategy and risk tolerance.

Do your own research and if you would like to take our free course to learn how to invest into ETFs and Index Funds at Index Institution™ go here.

The Offshore Playbook, Simplified: 3 Moves for 2025

The idea of “going offshore” sounds complicated—until you realize how simple the real strategy can be.

You don’t need 10 shell companies or a Panama lawyer on speed dial. You just need a plan.

Here are 3 core moves that smart entrepreneurs and investors are making in 2025:

1. Choose the Right Tax Residency
Forget tax evasion—this is about relocation.
Countries like Uruguay, Malaysia, and Georgia offer legal tax residency with 0% tax on foreign income. Set up a base there, and you could slash your global tax bill—without giving up your passport.

2. Separate Your Business from Your Citizenship
Where you live and where your business is based don’t have to be the same.
Forming a company in a tax-efficient, business-friendly country (like Estonia, Dubai, or Singapore) can unlock better banking, fewer restrictions, and lower taxes—especially if you’re remote or global.

3. Get a Second Passport or Residency
Not just for travel flexibility—it’s a financial safety net.
Whether it’s Caribbean citizenship in 4 months or EU long-term residency through real estate, a second flag gives you leverage, options, and an exit plan if things change where you are now.

The bottom line?

The offshore playbook isn’t about hiding—it’s about building smart.
Legally. Strategically. Globally.

If you’ve hit six figures or more and you're still stuck in one tax system… 2025 is the year to stop playing defense.

If you would like to explore legally paying less taxes and maximizing your freedom check out Global Optimizer™ or click here.

Financial Concept to Learn in This Edition: Montary Policy

What Is Monetary Policy and Why Is It Important for Investing?

Definition: Monetary policy refers to the actions undertaken by a nation's central bank to control the money supply and interest rates, aiming to achieve macroeconomic objectives such as controlling inflation, maintaining employment, and fostering economic growth.

Key Aspects of Monetary Policy:

• Interest Rate Adjustments: Central banks may raise or lower short-term interest rates to either cool down or stimulate economic activity.

• Open Market Operations (OMO): Buying or selling government securities to influence the level of bank reserves and the overall money supply.

• Reserve Requirements: Changing the amount of funds that banks must hold in reserve, affecting their capacity to lend.

• Quantitative Easing (QE): An unconventional policy where central banks purchase longer-term securities to inject liquidity into the economy.

Why Investors Should Care:

• Asset Valuations: Monetary policy influences interest rates, which in turn affect the valuation of stocks and bonds. Lower interest rates generally lead to higher asset prices.

• Investment Strategies: Understanding the direction of monetary policy can help investors adjust their portfolios to mitigate risks and capitalize on opportunities.

• Currency Fluctuations: Policy decisions can impact exchange rates, affecting international investments and the competitiveness of exports.

Key Considerations for Investors:

• Monitor Central Bank Communications: Statements and reports from central banks provide insights into future policy directions.

• Assess Economic Indicators: Inflation rates, employment data, and GDP growth are critical in shaping monetary policy decisions.

• Diversify Portfolios: A diversified investment approach can help manage risks associated with monetary policy shifts.

In summary, monetary policy is a vital tool used by central banks to steer the economy. Its decisions have far-reaching effects on financial markets, influencing investment returns and economic stability. Investors who stay informed about monetary policy trends are better equipped to make strategic investment choices.

To learn more about Monetary Policy read more on Investopedia here or learn more from our full FREE investing course & community here.