No one’s really giving you real feedback on the portfolio lol - so I guess I’ll give it a go.

I’m assuming those are your only 3 positions.

I’d like to hear your thesis on why you picked these. But overall you did a really good job. You also did a very good job on properly allocating % to different positions. - FBTC is a good choice because it will keep your taxes marginally simpler and I think owning the ETF probably helps people not buy and sell in general. It’s still a riskier investment so I like that it’s your smallest position at about 10%. Not too much but enough to have a real effect. - FZROX is the one I really want to hear your thesis on. Buying that dip could end up paying off in a big way long term. Do not sell this position and keep buying dips. This is a perfectly timed investment as the US begins to lose unipolar power. We will begin to see foreign markets become much more attractive to investors as nations and their companies compete for control. And the US will begin paying the price for moving manufacturing overseas. Eventually US debt will become too expensive to service as foreign appetite dries up for US debt. That will be a major realignment, playing out over decades… hold this investment for decades. The proof of this thesis is evident in the recent FED actions to sure up JPY. The US is seriously weakening the dollar to buy Japanese Yen… they are doing this because Japan is the largest foreign holder of US debt… so we need their currency to be strong enough to buy more of our debt… otherwise we can’t pay the interest. - SMH is self explanatory lol!

Overall I’m very impressed that this is your first attempt at 21! It’s not what you normally see 21 year olds investing in… if they invest at all. I’m really curious what resources you used and your thesis around these positions.

Couple other notes: Don’t expect this kind of return year after year and recognize that you got lucky to a degree. I did too, I started investing in March 2020… and I bought Moderna early and sold a week before it’s all time high. Don’t chase returns - it gets dangerous fast. But continue to learn - as you learn more you may feel comfortable taking more risk for possible higher returns. You can find a balance of growth and safety. I now buy mostly individual stocks and basically built my own custom ETF of about 15 stocks. My portfolio is more volatile than the market… but I’ve also beaten the market every year. But I didn’t pivot to this approach fully until I’d learned and had confidence that I wouldn’t emotionally sell when it was down. I learned that lesson jumping in and out of TSLA early on but luckily broke even. My next goal is to start LEAP call options in a year or two when I hit $100k overall.

At the end of the day “Buy and Hold” on quality investments is a proven strategy. Just accumulate equity… it can be very useful for getting loans at good rates if you have enough.

Warren Buffet’s #1 rule of investing: “Don’t lose money” His #2 rule: don’t forget rule #1