1. Moderately Aggressive Strategy

• Approach: Invest in SPY (tracks the S&P 500) and QQQ (tracks the Nasdaq-100, tech-heavy).

• Variation: Implement long-term buy-sell alerts using moving averages (e.g., 50-70 weeks for fewer trades, 10-20 weeks for more responsiveness).

• Performance:

  • SPY: Approximately 10% average annual return since 1957.

  • QQQ: Approximately 18.28% average annual return over the past decade.  

2. Less Aggressive Strategy

• Approach: Invest solely in SPY, representing a broad market exposure.

• Performance: Similar to the SPY performance above, offering steady growth with lower volatility compared to tech-focused funds.

3. Aggressive Strategy

• Approach: Alternate between TECL (3x leveraged tech bull ETF) and TECS (3x leveraged tech bear ETF) based on technical indicators.

• Performance:

  • TECL: 10-year total return of approximately 1,770.6%.

  • TECS: 10-year total return of approximately -100%, indicating significant losses over time.

  • TECL and TECS Short are negatively correlated with each other. (See graph below) When one is sold, buy the same dollar amount in the other.  It is essential that you use the moving averages to trigger changes.

  • If you follow this strategy, you will be running a minor Hedge Fund (A hedge fund is a privately managed investment fund that uses a variety of strategies—such as leverage, short selling, and derivatives—to maximize returns for wealthy investors or institutions, often with less regulation than mutual funds.)

Note: Leveraged ETFs are highly volatile and are generally not recommended for long-term holding due to decay and compounding effects.  The risk is reduced 

4. Mixed Strategy (Current Approach)

• Components:

  • 1. Barrick Gold (GOLD): Serves as a hedge against inflation and economic uncertainty.

  • Berkshire Hathaway (BRK.B): A diversified holding company with a strong track record and Trades on fundamental rather than technical movement of market value graphs.

  • TECL/TECS: Used for tactical exposure to tech sector movements.

• Performance:

  • GOLD: Stock performance is influenced by gold prices and geopolitical events.

  • BRK.B: If you invested in Berkshire Hathaway Class B stock around late June 2015, by now (June 2025) you’d have seen around 13.3% annualized returns, with a total return approaching 250%.

5. Simplest Strategy

• Approach: Allocate sufficient funds to CDs and money-market accounts for retirement needs. Invest the remainder in SPY and hold long-term, ignoring market fluctuations.

• Performance: Historically, SPY (and ETF of Standard and Poor's 500 stocks) has provided an average annual return of around 10%, making it a solid choice for passive investors.