Marko - WhiteBoard Finance

"VTI is the simple, core equity allocation to hold for long-term wealth-building and to avoid paying advisers who underperform cheap index funds."

"SGOV or high-yield savings accounts are appropriate for emergency funds to keep up with core CPI without market risk."

"Micro Strategy’s buy-zone signal is driven by price-level logic rather than business failure risk, implying a tactical interest when it sits in the “gutter.”"

"SHD is a small supporting position alongside VTI within my equity mix, not the main engine of the portfolio."

"S&P 500 investing is only the right default for renters in theory, but the decision framework should still consider real-life home costs and opportunity cost rather than just returns."

"QQQ is the kind of index exposure that rewards long-term holding even through crashes, since the example shows a drawdown to about $25 in 2008 before recovering back to ~$50 by 2010 and compounding to nearly $96,000 on a $10,000 starting point by 2025 if you stay invested."

"VUG is a good growth-tilt option for a younger investor because it focuses on faster-growing tech/innovation-linked companies with low fees (0.04% expense ratio), accepting bigger up-and-down swings for potentially higher returns."

"SCHD fits investors who want passive cash flow because it holds large, established dividend-paying companies with a low 0.06% expense ratio, trading off some maximum growth for more consistent dividend income."

"AAPL may be meaningfully less overpriced than before if the fair-value workup (DCF/earnings multiples/analyst consensus) implies ~$229.13 intrinsic value versus a market price around ~$263.60 per share, suggesting the “dip” could have real valuation support rather than just sentiment."

"TMCR is a leveraged way to participate in critical-minerals policy momentum via a 2% gross overriding royalty (no mining development/operating costs), with TMC targeting commissioning in Q4 2027 and commercial production in early 2028 pending approvals."

"When you need liquidity, I prefer borrowing against Bitcoin rather than selling — e.g., a $10,000 loan against $50,000 BTC (20% LTV) costing ~12.9% APR still leaves you exposed to any upside and avoids triggering a taxable sale."

"Nexo provides collateralized crypto credit lines and savings products that can convert idle Bitcoin into liquidity or yield, but using them requires strict custody and LTV discipline to avoid automated liquidations."

"I ran a paid sponsor segment for Nuvo Mon Grait (NMG) promoting its plan to build a large, carbon‑neutral North American natural graphite production platform to onshore battery supply chains and noting $335 million in committed senior project debt and offtake with government and Panasonic."

"I executed a short‑term trade in Google that returned about 101%, indicating a bullish near‑term view or trade performance on GOOG during that trade."

"I'm cautiously bullish on Resolve AI (RZLV) because its Microsoft/Google partnerships, ~29M ARR, first profitable month in December, and the Reward Loyalty UK acquisition (expected to add roughly 90M EBITDA-accretive revenue) combined with management's projection of $350M revenue in 2026 imply meaningful upside versus its current ~5–10x ARR trading multiple."