Hey friend,
You probably own an S&P 500 fund. Most of us do. “Just buy the index,” they said. “It’s diversified,” they said.
Here’s the tea: the S&P 500 is near record highs, while nearly 40% of the companies inside it are down 20% or more. 🫠
How? A few giant tech companies are carrying the whole thing, like the one friend who plans every trip, pays the deposit and still gets left on read.
So your “safe, diversified” fund might be a bigger tech bet than you thought.
The fix isn’t panic. It’s knowing what you own.
I broke down 6 ETFs that do 3 different jobs: 2 to grow, 2 to steady, 2 to last.
Ticker | What it is | Fee/yr* | |
|---|---|---|---|
📈 GROW | SMH | Chip makers behind AI | $3.50 |
XAR | Aerospace + defense | $3.50 | |
🛡️ STEADY | SPLV | 100 calmest S&P 500 stocks | $2.50 |
XLP | What you buy no matter what | $0.80 | |
💸 LAST | SCHD | 100 dividend payers | $0.60 |
DVY | Dividend payers since 2003 | $3.80 |
🎁 Start here if you’re new
Before you invest a dollar, find out where the last one went. (We both know it was Target.)
Want the full step-by-step? My $50 book bundle is here: less than one family dinner out.
Go grow your bag. Bye! 💚
Amira Nicole
P.S. I didn’t dig through a single government filing to find this stuff. AllSight reads them for me in plain English. First 2 weeks free. (affiliate link)
Education only, not financial advice.