เงิน 1 ล้านเป็น 2 ล้าน: VT VOO QQQM SCHG ใครเร็วสุด?
Thundivez
10,997 views
📌 If you have 1 million baht as initial capital and want to know how many years it will take to become 2 million baht, this video uses the Rule of 72 to calculate it in an easy-to-understand way: Estimated years = 72 ÷ CAGR. However, the point isn't about which ETF is the fastest, because those that seem faster in the past may be more volatile and have a deeper maximum drawdown.
🔍 We compare four ETFs that many people use as the axis or growth tilt of their portfolios: VT, VOO, QQQM, and SCHG. VT represents global equities, VOO represents the S&P 500, QQQM represents the Nasdaq-100, and SCHG represents U.S. large-cap growth. Each plays a different role. Therefore, one should not judge solely on CAGR.
📊 Based on the data used in the video, VT has a 5-year NAV return of 10.89% and a 10-year NAV return of 12.82% from Vanguard as of June 30, 2026. VOO uses PortfoliosLab data updated on July 28, 2026, with a 5-year CAGR of 12.57% and a 10-year CAGR of 14.93%. QQQM has a 5-year annualized return of 16.52% and a return since inception of 18.20% from Schwab as of June 30, 2026, but there is no 10-year fund history available. SCHG has a 5-year NAV of 13.69% and a 10-year NAV of 18.66% from Schwab as of June 30, 2026.
🧱 Applying the Rule of 72, 1 million baht would double in a scenario similar to this based on past performance: VT Approximately 5.6-6.6 years for VT/VOO, around 4.8-5.7 years for QQQM (from 5Y/since inception), and around 3.9-5.3 years for SCHG. These figures are simulations of historical CAGRs and do not guarantee future growth.
⚠️ Risk should also be considered. According to PortfoliosLab as of 2026-07-28, QQQM has a 5Y volatility of approximately 22.68% and a 5Y max drawdown of approximately -35.04%. SCHG has a 5Y volatility of approximately 22.40% and a max drawdown of approximately -34.59%. VT/VOO, using the same comparative data, has lower 5Y volatility than these growth-heavy ETFs. Faster growth doesn't necessarily mean it's better for everyone.
👤 This video is suitable for those who already hold US ETFs. Or are you choosing between global core, U.S. core, and growth satellite funds? Looking only at double-time figures might lead you to choose one that's too strong for your holding style. But considering CAGR alongside volatility and drawdown provides a clearer picture of the path forward.
❌ This video is not suitable for those seeking a definitive answer on which fund to buy. It's not a buy/sell recommendation and doesn't predict which ETF will outperform in the future. Past performance is not a guarantee of future returns; actual returns are volatile and can be negative.
🧠 Key takeaway: Historically, QQQM and SCHG appear faster in many periods, but this speed comes at the cost of volatility and drawdown. VT/VOO may not be the fastest on paper, but it plays a simpler role as a core fund. Choose based on your risk tolerance, not just the fastest number.
📝 Note: This content is for educational purposes only and is not advice on buying or selling securities. Investors should conduct further research and assess the risks themselves.
🔗 Primary sources of information: Vanguard VT product page, Vanguard VOO product page, Schwab QQQM performance page, Schwab SCHG product page, PortfoliosLab VOO vs VT, PortfoliosLab QQQM vs VOO, and PortfoliosLab SCHG vs QQQM, as listed in the research brief.
#Thundivez #VT #VOO #QQQM #SCHG #ETF #RuleOf72 #CAGR #Compounding
2 Comments
เงิน 1 ล้านเป็น 2 ล้าน: VT VOO QQQM SCHG ใครเร็วสุด?
Thundivez
10,997 views
📌 If you have 1 million baht as initial capital and want to know how many years it will take to become 2 million baht, this video uses the Rule of 72 to calculate it in an easy-to-understand way: Estimated years = 72 ÷ CAGR. However, the point isn't about which ETF is the fastest, because those that seem faster in the past may be more volatile and have a deeper maximum drawdown.
🔍 We compare four ETFs that many people use as the axis or growth tilt of their portfolios: VT, VOO, QQQM, and SCHG. VT represents global equities, VOO represents the S&P 500, QQQM represents the Nasdaq-100, and SCHG represents U.S. large-cap growth. Each plays a different role. Therefore, one should not judge solely on CAGR.
📊 Based on the data used in the video, VT has a 5-year NAV return of 10.89% and a 10-year NAV return of 12.82% from Vanguard as of June 30, 2026. VOO uses PortfoliosLab data updated on July 28, 2026, with a 5-year CAGR of 12.57% and a 10-year CAGR of 14.93%. QQQM has a 5-year annualized return of 16.52% and a return since inception of 18.20% from Schwab as of June 30, 2026, but there is no 10-year fund history available. SCHG has a 5-year NAV of 13.69% and a 10-year NAV of 18.66% from Schwab as of June 30, 2026.
🧱 Applying the Rule of 72, 1 million baht would double in a scenario similar to this based on past performance: VT Approximately 5.6-6.6 years for VT/VOO, around 4.8-5.7 years for QQQM (from 5Y/since inception), and around 3.9-5.3 years for SCHG. These figures are simulations of historical CAGRs and do not guarantee future growth.
⚠️ Risk should also be considered. According to PortfoliosLab as of 2026-07-28, QQQM has a 5Y volatility of approximately 22.68% and a 5Y max drawdown of approximately -35.04%. SCHG has a 5Y volatility of approximately 22.40% and a max drawdown of approximately -34.59%. VT/VOO, using the same comparative data, has lower 5Y volatility than these growth-heavy ETFs. Faster growth doesn't necessarily mean it's better for everyone.
👤 This video is suitable for those who already hold US ETFs. Or are you choosing between global core, U.S. core, and growth satellite funds? Looking only at double-time figures might lead you to choose one that's too strong for your holding style. But considering CAGR alongside volatility and drawdown provides a clearer picture of the path forward.
❌ This video is not suitable for those seeking a definitive answer on which fund to buy. It's not a buy/sell recommendation and doesn't predict which ETF will outperform in the future. Past performance is not a guarantee of future returns; actual returns are volatile and can be negative.
🧠 Key takeaway: Historically, QQQM and SCHG appear faster in many periods, but this speed comes at the cost of volatility and drawdown. VT/VOO may not be the fastest on paper, but it plays a simpler role as a core fund. Choose based on your risk tolerance, not just the fastest number.
📝 Note: This content is for educational purposes only and is not advice on buying or selling securities. Investors should conduct further research and assess the risks themselves.
🔗 Primary sources of information: Vanguard VT product page, Vanguard VOO product page, Schwab QQQM performance page, Schwab SCHG product page, PortfoliosLab VOO vs VT, PortfoliosLab QQQM vs VOO, and PortfoliosLab SCHG vs QQQM, as listed in the research brief.
#Thundivez #VT #VOO #QQQM #SCHG #ETF #RuleOf72 #CAGR #Compounding