Dachuan Xiao : Interest rate cuts are one aspect, the Trump market is another aspect. Next year, I am still bullish on E Fund CSI Technology 50 ETF and Energy ETF, such as QQQ and XLE, but at the same time, maintain proper asset allocation to guard against overheating.

Dachuan Xiao : Expecting a rate cut by the Federal Reserve, then added positions in TLT, buying in batches at an average price of 96. Still at a loss now, never invested in Bonds before, first time buying Bonds and got stuck.

Dachuan Xiao : I have the same feeling, but when US stock in a bull market, bonds and international stocks make me look like a fool....

Dachuan Xiao : Hign dividends stocks might not be a good idea for long-term investment, I suggest seeking high dividends ETF, but not too high, 4-5% is enough to build a high dividends ETF portfolio, and these dividends can be used for cash flow, but better to reinvest these dividends whenever there is a dip to maximize the return or do the rebalance every quarter, my high dividends portfolio ratio: DGRO 5%, HYG 10%, JEPI 15%, LQD 10%, PFF 10%, REET 5%, SCHD 10%, TLT 10%, VIG 10%, VNQ 5%, VXUS 10%. Also, diversifying into several sectors is important, like bonds and real estate.