Pension & Retirement

Pension / Retirement

Optimal Pension Strategy

Partial annuitization + layered low-volatility portfolio for a retiree with $400k and 20-year horizon. SPIA annuity floor, bond buffer, 60/40 growth engine, and JEPI income booster. Target $2,333/mo with blended ~0.8% monthly volatility.

Stocks & ETFs

ETF / Income

Steady Income Dividend ETF Portfolio

Balanced ETF portfolio targeting ~7% total returns through dividend income, covered-call premiums, and REIT diversification. Monthly income stream.

Stocks

EMA Crossover System

Trend-following using 50/200 EMA crossovers on daily charts. Clear entry, exit, and stop rules.

Crypto

Crypto

Bitcoin DCA with Volatility Scaling

Dynamic dollar-cost averaging that adjusts position size based on realized volatility regime.