Portfolio Performance & Strategy - The Hi5 portfolio, initiated in August 2023 with 500,000 Canadian dollars, surpassed 1 million Canadian dollars by June of this year, achieving a compound growth rate close to 12% [1] - The core investment strategy is DCA (Dollar-Cost Averaging) plus BTD (Buy The Dip), involving consistent monthly investments regardless of market fluctuations [1] - Investing in the US stock market is a key component of the strategy, based on the belief that it will rise in the long run due to factors like oversupply of money and the influence of capitalism and vote-driven politics [1] - The strategy emphasizes that market drops and corrections, including crashes, present opportunities for accelerated wealth growth, as the market will eventually recover and reach new highs [2] Risk Management & Market Analysis - Data from JP Morgan indicates that between 1980 and 2020, 44% of companies in the Russell 3000 index experienced catastrophic losses (stock price fell >70% from peak and never recovered) [2] - During the same period, 42% of stocks in the Russell 3000 index generated negative absolute returns, and 66% underperformed the market [2] - Only 10% of stocks outperformed the market during this period, achieving cumulative returns of 500% or more [2] - Actively managed stock funds have a low survival rate, with 59% of funds from December 31, 1992, to September 30, 2022, either closing down or merging, and only 10% outperforming the S&P 500 index [2] Portfolio Rebalancing & Adjustments - The Hi5 portfolio will undergo annual rebalancing in August, involving adjusting the holdings of the 5 ETFs to maintain equal weighting [2][3] - MOAT ETF will be replaced by SPMO ETF, shifting from a fundamental-based stock selection model to a momentum-based model that selects the best-performing stocks in the S&P 500 index [2][3] - The rationale for replacing MOAT with SPMO is that SPMO has demonstrated better overall performance and a superior risk-return ratio compared to MOAT [3]