In the investing world, we often focus on how to build wealth—but knowing how to protect it is just as important. Reverse Dollar-Cost Averaging (RDCA) is a smart, disciplined strategy for reducing exposure to risky assets, especially when the market feels uncertain. Learn how RDCA can help you de-risk your portfolio, lock in gains, and transition to more stable investments—without trying to time the market.

Building long-term wealth starts with a smart foundation—and for investors under 40, that means balancing growth, income, and diversification. In this post, I share my favorite ETF-based portfolio strategy, designed specifically for those aged 39 and younger. With exposure to U.S. stocks across all market caps, global markets, REITs, high-yield dividends, and even a small direct allocation to crypto, this portfolio blends aggressive growth potential with financial resilience.