Invest 7k monthly till December 2025 in this portfolio xlu xlp spyd sgov schg schd schb jepq fhlc fdis dgro

Investing $7,000 monthly in the specified portfolio from now until December 2025 involves a disciplined approach to asset allocation and diversification. Here’s a breakdown of the portfolio and its investment objectives:

1. **Utilities Select Sector SPDR Fund (XLU)**:
- **Objective**: Tracks a market-cap-weighted index of US utilities stocks from the S&P 500.
- **Role in Portfolio**: Provides exposure to the utilities sector, which often offers stable dividend income.
2. **Consumer Staples Select Sector SPDR Fund (XLP)**:
- **Objective**: Tracks a market-cap-weighted index of consumer-staples stocks from the S&P 500.
- **Role in Portfolio**: Focuses on consumer staples, which are essential goods, providing consistent demand and revenue streams.
3. **SPDR Portfolio S&P 500 High Dividend ETF (SPYD)**:
- **Objective**: Tracks an index of the 80 highest-yielding stocks selected from the S&P 500, with equal weighting.
- **Role in Portfolio**: Emphasizes high dividend yields, which can be attractive for income-focused investors.
4. **iShares 0-3 Month Treasury Bond ETF (SGOV)**:
- **Objective**: Tracks a market-value weighted index of US Treasuries maturing in less than or equal to three months.
- **Role in Portfolio**: Provides exposure to short-term US government bonds, offering liquidity and stability.
5. **Schwab U.S. Large-Cap Growth ETF (SCHG)**:
- **Objective**: Tracks the Dow Jones U.S. Large-Cap Growth Total Stock Market Index, which selects growth stocks from the largest 750 U.S. companies by market cap.
- **Role in Portfolio**: Focuses on large-cap growth stocks, which may offer potential for capital appreciation.
6. **Schwab U.S. Dividend Equity ETF (SCHD)**:
- **Objective**: Tracks a market-cap-weighted index of 100 dividend-paying U.S. equities.
- **Role in Portfolio**: Emphasizes dividend-paying stocks, which can provide regular income alongside capital growth.
7. **Schwab U.S. Broad Market ETF (SCHB)**:
- **Objective**: Tracks a cap-weighted index of the largest 2,500 stocks in the US.
- **Role in Portfolio**: Offers broad exposure to the U.S. market, helping to spread risk across various sectors and market capitalizations.
8. **JPMorgan Nasdaq Equity Premium Income ETF (JEPQ)**:
- **Objective**: Actively managed using ESG factors and a proprietary data science-driven investment approach, with a focus on Nasdaq-100 Index constituents.
- **Role in Portfolio**: Incorporates ESG considerations and seeks income generation, potentially enhancing the portfolio's sustainability and yield.
9. **Fidelity MSCI Health Care Index ETF (FHLC)**:
- **Objective**: Tracks a market-cap-weighted index of stocks in the broad US health care sector.
- **Role in Portfolio**: Provides exposure to the health care sector, which can offer both growth and stability.
10. **Fidelity MSCI Consumer Discretionary Index ETF (FDIS)**:
- **Objective**: Tracks a market-cap-weighted index of stocks in the US consumer discretionary sector.
- **Role in Portfolio**: Focuses on consumer discretionary stocks, which can benefit from economic growth and consumer spending trends.
11. **iShares Core Dividend Growth ETF (DGRO)**:
- **Objective**: Tracks an index of US stocks selected by dividends, dividend growth, and payout ratio, then weighted by dividend dollars.
- **Role in Portfolio**: Emphasizes dividend growth, which can be a key driver of stock price appreciation and provides regular income.

This portfolio combines sectors like utilities, consumer staples, health care, and consumer discretionary, along with dividend-focused and growth-oriented ETFs. The inclusion of Treasury bonds (SGOV) helps manage risk and provide liquidity. The monthly investment of $7,000 will be spread across these ETFs, allowing for a diversified and potentially resilient investment strategy until December 2025.