Personal finance for real people. Building wealth should be simple, transparent, and accessible. Not Financial Advice, Education Only.realmoneymoves.comJoined August 2025
When I first started investing, my dream wasn’t cars or houses. It was to be the only train-hopping hobo with a $1M portfolio. I never cared about stuff. I just wanted the freedom to change my mind and still have every option on the table.
💰 The Financial Select Sector SPDR Fund $XLF top holding include:
$BRK.B ~12.05%
$JPM ~10.94%
$V ~7.86%
$MA ~6.31%
$BAC ~4.34%
It’s essentially a concentrated bet on the health of America’s biggest banks and payment networks
JPMorgan $JPM 💼 is a large player across several indexes:
$XLF ~10.94%
$VYM ~4.15%
$DIA ~4.06%
$VTV ~3.61%
JPMorgan’s presence across value, dividend, and financial sector indexes is proof of its strength and durability as a franchise.
"Bonds are not for young people. For every 10% you put in bonds, you reduce your long-term return by about half a percent a year. Half a percent is golden." — Paul Merriman
Looking for $NVDA ≥8%?
$SMH ~21.25%
$VGT ~18.17%
$XLK ~15.67%
$VUG ~12.65%
$QQQ ~9.75%
$SOXX ~8.57%
🔧That's easy to accomplish, with Nvidia controlling something like 70-95% of the market for AI/data-center GPUs and accelerators.
Of the 3 Small-Cap Value ETFs I hold, $AVUV, $VIOV, $VBR, AVUV dropped less today.
Bigger tilt to Energy & Financials, lighter in Real Estate & Health Care. That mix held up better as small-cap Energy was steady while Tech & Health Care slid hard.
We live in a world where technology can answer almost any question. The real edge is in knowing the right questions to ask, and how to ask them intelligently.
“It is the glory of God to conceal things, but the glory of kings is to search things out.” — Proverbs 25:2
I’ve invested every single week since I started. That’s the #1 reason we’ve built real wealth.
Consistency beats everything. The key is automation. Don’t rely on memory. Don’t rely on motivation. Set it. Forget it. Let the system win for you.
September is the worst month for stock returns
September has seen 22 ATHs for the S&P since 1964
Did you know 20 of those times it followed with a Q4 gain
ETF Rebalancing: The Complete Guide To Portfolio Optimization
realmoneymoves.com/etf-rebalancin…
Most investors ignore portfolio drift, until it quietly costs them thousands. Rebalancing keeps your risk in check, forces you to buy low/sell high, and protects your wealth.
⚖️ $QQQ vs $VUG: substantial overlap of ~66% by weight.
Top 5 Overlaps are:
$NVDA
$MSFT
$AAPL
$AMZN
$AVGO
Different wrappers, same core. If you hold both, you’re doubling down on the same mega-caps rather than diversifying.
Who knew my post about how Twitch streamers should move to $RUM would spark a rally! It was red in the pre markets, obviously the work of my 70 impressions on X!
Who knew my post about how Twitch streamers should move to $RUM would spark a rally! It was red in the pre markets, obviously the work of my 70 impressions on X! https://t.co/EmE10JZNBU
The top holding of Vaneck Semiconductor ETF $SMH is currently $NVDA (~21.83%).
🤖 Other Top Holdings Include:
$TSM ~10.60%
$AVGO ~9.48%
$AMD ~6.01%
This makes it a concentrated bet on a handful of giants. Great in boom cycles, but higher risk if leaders stumble.
Broadcom Inc $AVGO 📶 shows up across:
$QQQ ~5.31%
$VGT ~4.70%
$VUG ~4.39%
$VOO ~2.57%
Broadcom’s steady climb into top slots shows how one company can quietly shape both tech-focused funds and the broad market
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