(Click "more" to see my portfolio). Macro-focused investor with both a long and short approach. To balance risk, I favor ETFs and CEFs over individual names. As my portfolio indicates, I do hold a few stocks, but I mostly buy sector funds for specific themes, such as munis for tax advantages, or online gaming as a growth opportunity. I will also rotate in to sectors like Utilities, Energy, and Financials for relative value, or when I feel that the broader market is too richly priced and/or due for a correction. My investing objective is total return, but without taking concentrated risks. My wife and I plan to retire by age 40 (her at 38) and, through a combination of investing, diligent saving, and sharing similar values, we are ahead of schedule to meet that goal with a $2 million net worth target. My background includes 11 years of professional work and two degrees in Finance (BS & MBA). I'm a competitive tennis player and former Division I athlete. Broad market: VTI; VOO; QQQ, DIA Sector ETFs/CEFs: VPU; BUI; BJK; VDE; KRE, BKT Dividend ETFs: DGRO; SDY, SCHD Municipal CEFs: NEA; NIQ; BBN Stocks: WMT; SWBI; JPM, MAA Commodities (Gold and Bitcoin): IAU (5%) Bitcoin (<1%)