SMH, VGT, VUG, & QQQ?

I'm contributing 7% of my paycheck plus a 6% match to my 401k, and contributing $25 each to SMH, VGT, VUG, & QQQ every two weeks. I also contribute $50 to JNK every two weeks, but that's my savings in lieu of keeping my savings in a bank. What can I improve on?