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REDDIT

Someone experienced please help with my rebalancing away from the tech sector

M
Feb 19, 2026 · 13:43

I believe there are more experienced people here in the stock market, than me the beginner.

TLDR: If you don't have time, just skip to the bold part. Thanks!

I've started with a lump sum last year because i've only saved in bonds and bank deposits. Pension is getting near and i'll need to start taking money out gradually in about 5 years, this peaking in about 10 years.

So far i've been doing only stupid moves and mostly i'm in the red, because of my swings and it's like a curse, every time i buy, they crash.

\-At first i've bought 50% S&P500 at all time high using a lump sum, then immediately that started crashing last year with trump's tariffs. Sold at a loss and bought again at a higher price later. With all the growth in it's past year, it started falling again right now and sold everything at around 6800 price. profit = zero.

\-In the early summer i've bought 1/3 of the portfolio, a physical gold ETF to hedge the equities, and all summer this had stagnated. Some with more experience would of said it was consolidating for growth. Buy i was wrong, i thought it was going to crash exactly like the S&P did, while i was watching other stocks growing and my gold stagnating. Then sold everything right before miraculously the gold started a bull run, and i've missed on everything. How stupid of me.

\-Then bought some dumb stocks already at all time high like nvidia and palantir, sold nvidia at 5% gain because it stagnated for 7 months, and palantir at a loss. At least i did a good move, because palantir lost even more. I also invested in a defense ETF which also lost me some money so i'm avoiding this sector forever now.

\-The rest and the only money i've made, were through a lucky guess by diversifying in an emerging markets ETF and an oil stock which brings my whole investment at below 5% gain for the year.

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What i've learnt.

A diversified portfolio you're not swapping and rotating cash frequently, would be profitable long term.

What i'm going to do next:

Stay away from the S&P500/World ETF as i believe they're going to crash more thanks to trump's politics and his new Fed chair.

Keep portfolio diversified 50-50 between ETF's and stock picks which previously demonstrated in graphs higher resistance against cyclicality and stock market crashes.

Overall keeping sectors limited like this:

**-10% bought recently into consumer's sector (half Amazon at a discount right now and half Walmart even if it has high PE, it's reliable long term)**

**-10% Oil industry - only 2 stocks(giants) i think it still has more left to run**

**-10% gold and silver miners even if i'm late (they could further benefit from last years metal price update)**

**-10% emerging markets ETF**

**-10% MSCI Canada ETF**

**-10% South Korea ETF**

**-10% Europe Stoxx 600 top companies ETF**

**-10% other individual stocks involving companies i believe in, like HDD-SSD-RAM manufacturers +Microsoft+Google+Netflix and avoiding the rest in the Mag7 i don't trust**

**-20% bought again physical gold ETF to hedge the rest**

What do you think?

Also i'm avoiding biotech/pharma like the plague(i've already lost some money in 2 stocks), avoid finance sector even if it's trending right now, i believe if has maximum cyclicality. Avoid housing sector because it's not predictable and it depends on politicians. Avoid S&P and other AI/tech/information sector ETF's. Avoiding heavy exposure in China/India/Japan markets because of the high risk.

So far, would you consider a bad strategy if i'm not going to touch anything for 5 years?

Thanks!