Yeah, I just started a Roth in hood for that 3% match on Oct. 30 and take away the 3% match and the portfolio is down 1.96%. Still have $3200 on the sidelines waiting but I only have until eoy. Playing this like my 401k so ITOT, IXUS, AGG, SPY, QQQ, QQQI, SPYG, WMT and SCHD

---

Etf tickers: MAGS, CHIP (together up to 50% of portfolio) Any broad world ex-USA etf (up to 50% of portfolio) (Regular s&p500 or msci world works too) (Divident stocks tend to not grow too much. Ticker SCHD is an example if you want dividents but it's only like 3% yield from the dividents and the etf itself might not grow too much. May still be better off with the regular s&p500.) Gold (inflation is here to stay) Buy bitcoin next year when it gets cheaper. Based on crypto cycles it will dip next year. If the market actually enters a serious recession just keep it cash or buy ultrashort bonds to get a small but safe return. Or see if your bank has a decent yield on the savings account. A bond fund would be the traditional hedge but only if the fed panics and cuts rates quickly.

---

Full porting into SCHD

---

PFE, SCHD for me lol

---

Sad day when SCHD is my top performing asset.

---

Is SCHD up? what the fuck did hell freeze over

---