Today’s episode breaks down market rotation, index behavior, global caution signals.

What I’ve built in my accounts isn’t just a collection of ETFs — it’s a layered strategy designed for different market conditions.

At the core, about half of the portfolio sits in broad U.S. market funds like VOO, SCHG, and SCHD. That’s the long-term growth engine — it tracks the overall market while blending growth and dividend strength.

Then there’s a sizable income layer using funds like JEPI, JEPQ, SPYI, and QQQI. These use option strategies that generate cash flow. The trade-off is simple: slightly less upside in roaring bull markets, but smoother performance and steady income when markets chop sideways or get volatile.

There’s also a small momentum sleeve with SPMO, which benefits from strong trends, and a small-cap value position through AVUV. That adds exposure to parts of the market that often outperform over long periods but behave differently from big tech stocks.

For diversification and defense, I keep a small allocation to international stocks via SCHF and precious metals like gold and silver. Those act more like shock absorbers during certain economic or market stress events.

Finally, instead of letting idle cash sit unproductive, I park reserves in Treasury bill funds like SGOV or BIL. That keeps liquidity available while still earning yield.

Overall, the portfolio isn’t designed to chase hype or gamble on single stocks. It’s built for durability, income generation, and long-term compounding across different market cycles.

https://x.com/dividend_miner?s=21