SPMO is a key portfolio holding; it effectively tracks market momentum by updating its top 20 holdings semi-annually.

Most importantly, I'll go quickly over the rebalancing of my SPMO and SCHD funds because they were very significant changes . For me, both SCHD and SPMO were at the top of my list of interests.

First, I will talk about SPMO, which is the S&P 500 Momentum Fund. This fund is always surprising because it radically changes its list of the top 20 companies every 6 months. It is keeping up perfectly with what is happening in the market, what is performing very well at the moment, and what may perform excellently over the next six months.

I am very happy with this balance, and happy to have so much of it in my portfolio, but I still rely on a dollar-cost average strategy each month. The SPMO fund has become a key holding at this stage.