I’ve made a final decision: I will not be holding any traditional index ETFs this year. If it’s not a Covered Call (CC) ETF or a specific Value Investment, I’m avoiding it. My primary focus is scaling this portfolio to $1M while creating a sustainable monthly distribution I can eventually live off, so my strategy is now split into three pillars: 1. CASH (Dry powder for opportunities) 2. Value Investments (My primary "Pure Growth" plays) 3. Covered Call ETFs (Income that acts as growth, like HDIV) This has been a long time coming. Ever since I first bought XUS, I’ve felt that my capital is more effective when buying conservative CC ETFs during dips or high-conviction Value stocks. The goal isn't just to track the market, it's to outperform it with intention.