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Terry Meland

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    • I would invest 100% of my savings in stocks. Keep minimum cash and no bonds or other investments.   I would do: * 85% in diversified ETFs under a “buy and hold” (never sell) approach. * 15% in diversified ETFs under a “market timing” approach. Follow my indicators and buy and sell for mid-term (4 to 12 months) market moves.   The 85% “buy and hold” ETFs would be a mixture of: * High dividend ETFs like VYM, SDY, DGRO, TDIC, etc. (60% of the 85%).     Dividends would be re-invested into the ETF. * Broad market ETFs like SPY (S&P 500) and QQQ (Nasdaq) (40% of the 85%).   The 15% “market timing” ETFs would be leveraged ETFs like QLD (2X the NASDAQ) and SSO (2X the S&P 500). * Use stop losses to limit trading losses. * Learn and improve over time.

      Post: If you could live your financial life again, what would you do differently?

      Link to comment from December 10, 2022

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