Year-to-date total returns… GLD (Gold) +13% PDBC (Commodities) +10% IEMG (Emerging Markets) +8% IWM (US Small Cap) +6% IEFA (Developing Countries) +5% VNQ (Real Estate Investment Trusts) +3% SPY (S&P 500) +1% QQQ (Nasdaq 100) +1% AGG (US Bonds) 0% SHY (1-3 Year Treasury Bonds) 0% TLT (20+ Year Treasury Bonds) 0% IBIT (Bitcoin) -4% Other ETFs… IWD (Russia 1000 Value Index) +5% DBMF (Managed Futures) +4% MDY (Mid-Cap) +4% SPLV (Low Volatility Index) +3% MTUM (Momentum Index) +2% MUB Municipal Bonds +1% High-Yield Bonds +1% MAGS (Mag 7) 0% IEF (7-10 Year Government Bonds) 0% Russian 1000 Index Growth Bonds -2% ARKK (Disruptive Technology) -3% ETHA (Ethereum) -10%