Q: Good Day 5i team... thank you for your very valuable time, answers to questions and guidance. My question is, can you list out your top 10 ETF and or Equities you see as insulation/defensible should the over bought North American equity markets begin to slide. Thank you

Q: I am coming into a $50,000 gift from aging parents, and would like to invest for my 10 month old son’s education. I want long term growth until he needs the money (probably 18 years or so). Would you recommend 100% ZSP or some other ETF? Also, should I buy in one shot as soon as I have the money ?

Q: Health care as a sector has me puzzled. I was adding to my positions in XLV and IHI during 2023-2024. I was prompted to keep investing thinking demographics would favor growth; that elective medical procedures postponed would come roaring back in the years following Covid. Mostly good companies were held in the above ETFs, and I was comfortable investing also because of familiarity with products and services. Markets have proven me wrong. My cost base is markedly higher than valuations today. XLV is down ~5.25% over the past 12 months (year-to-date return is flat —down -0.05%).IHI, although slightly up ~4.28% YTD, has still not recovered from a 20% drop in 2022. (Losses I show are much greater and are not useable for tax).
Current officials in the US admin have no clue on how to go about drug price reforms. Worse: they don’t know that they have no clue. Reforms are necessary; and PBMs are rightly under scrutiny for opaque pricing practices. I say this notwithstanding that UNH has produced the largest dollar loss I have had in several years.
The science and med professionals who DO know how to implement sensible and substantial changes are fired and replaced by sycophantic, subservient ignorant types. Is it therefore prudent now to sell one or both of XLV and IHI and redeploy cash in other areas? OR, would one be giving up at possibly the exact wrong time? Is now finally the time that patience with XLV and IHI has a greater chance of paying off?