Q3 return still sluggish and disappointing

On average, the monthly return drop between 1% to 4% attributed to AI based stock such as Micron and Nvidia coupled with chain affect from Fed Reserve rates cut by 50 points that trigger depreciation of green back.

In the coming Q4, I will watch closely on performance of AI based tech stock. At the same time, I will start to buy some healthcare and utilities stock to migitate investment risk.  As to recent promotion of ETF, not a choice for me due to volatility and possible of amplifying losses.