VTI and XLK

The bull market continues to run on, but many people are being cautious about it.  I own  TMF, a 3x 20+ year treasury bond ETF, as a precaution, but most of my money remains in stocks.  Two dividend stocks that I own are CEFL, a 2x closed-end fund, and MORL, a 2x REIT fund.  These two stocks are on the way to 17% and 20% gains in the next year.  They also pay dividends on a monthly basis.

However, I believe in a diversified portfolio.  What other stocks can I own that might make around 20% in the next 12 months?  VTI, Vanguard's total market ETF, is a stock that made 23% in the past year.  Some of the top ten holdings are AAPL, XOM, MSFT, GOOG, CVX, and BRK.A.  So, here is a stock that will probably make another double-digit return if stocks keep going up.

XLK, the technology select sector ETF, is up 25% in the past year. Some of the top ten holdings are AAPL, MSFT, GOOGL, QCOM, VZ, and T.  Therefore, XLK will probably work as a good investment if the stock market continues higher.  You also have excellent diversification among tech stocks.  We need to make as much money as possible while stocks are rising because sooner or later the music will stop.  Then, when the next bear market starts, we will probably be in defensive stocks or on the sidelines until the market bottoms again. We will basically lose time until the coast is clear again.  Thus, we need to be concerned about making money while the sun shines to meet our retirement goals in the time we are given.