How I’m Positioning for 2025: My Working Class Retail Investor’s Playbook

Portfolio Strategy for 2025
Despite what I’ve mentioned, I will still continue to be overweight on US equities, but with greater built-in buffer on my cash position. My assumptions remains that 1) The US continues to be the at the forefront of innovation and market dominance for highly in-demand products and 2) Trump will adopt business-friendly policies, which will raise the bottom-line for most US companies.
Now, to the interesting portion on my portfolio allocation. I’ve denoted the following themes of the stocks in my portfolio
1. Hold/Trim: What this means is that the valuations of these stocks are too rich for me now, and I will hold what I currently own, and trim if they continue to rise through certain pre-determined markers defined by me.
o Tesla (TSLA): I sold multiple long dated puts in the 100s-200s range to collect premium, and won’t be buying unless if it goes below the 250-280 range.
o Palantir (PLTR): I continue to sell far out of the money puts and calls weekly (~10% lower than share price at point of sales).
o Coinbase(COIN): I’ve sold multiple long dated puts, and won’t be buying till the low 200s.
2. Hold/Dollar Cost Averaging (DCA): What this means is that these stocks continue to be at attractive enough valuations for me, and I will hold and purchase them when I DCA or when there is an opportunity (e.g. unwarranted sell offs).
o Alphabet (GOOG): I sell weekly puts close to the money, and will aggressively purchase below 180
o Sofi (SOFI): Buying on every 5 to 10% dip, and selling weekly close to the money puts.
o Hims & Hers (HIMS): Selling weekly far out of the money calls and puts.
o Robinhood (HOOD): Selling weekly far out of the money puts as I am happy with what I’m holding
o NVDIA/Taiwan Semiconductor Manufacturing (TSM): Selling calls on NVDA as I am overallocated to it, but had some of my shares called away so I’m back to selling close to the money puts. Selling close to the money puts for TSM, and will aggressively purchase below 190.
o DBS: I usually don’t purchase Singapore stocks, but DBS have performed well, and acts as my exposure to banking stocks/hedge against US equities/dividend play. Aggressive purchase below 38.
o IWM: Selling daily out of the money puts, betting on easing interest rates being more beneficial to smaller US companies.
3. Cash Reserve Management:
To brace for potential volatility (which will definitely come at some point), I’m targeting to increase my cash allocation to 15% of my portfolio. This will be placed in money market funds like CSOP to provide buffer for my options play, give (relatively) good interest returns and allow me to buy the dip on good companies.

Final words
2024 was a special year- it’ll be unlikely that I could replicate the performance of my portfolio. But what I hope to have is consistent, smaller wins, and hedged against massive fluctuations in the market. What I have stated above may be adjusted dynamically as the year passes, but barring any major changes to the fundamentals of the company, they should remain relatively consistent with what I've written here.
What about you? How are you approaching 2025? Share with me your strategies —and feel free to ask me anything!