Letter #1 to send to your companies HR dept asking them to protect your retirement funds against an economic crash. Letter #2 will be for helping you to be able to afford healthcare insurance in 2027

Dear company officials,

I am worried about our retirement funds if we have a crash. The reasons I think we may have an economic crash as early as January, are listed below.

1. The Soft Bank of Japan & Peter Thiel all dumped their Nvidia stock. This Ai bubble will impact many other parts of the stock market.

   Plus Meta has put $3 trillion into data centers that do not have a reliable revenue stream to pay for these costs.

   

2. The Fed is Cutting Bank Oversight. Critics See Risks-

   By Colby Smith and Stacy Cowley of the NY Times 11/17

   “The Fed is gutting its ability to monitor warning signs of bank failures and slashing rules put in place after 2008 to prevent another financial crisis.

   Now, big banks are ramping up the same risky behaviors that led to the last economic crash–setting the stage for another one.”

3. Federal Repo Markets (pawn shops of banks) have had over $100 billion taken since the beginning of Oct.

4. Trump’s new Military Strategic plan aligns us with Russia and says we might interfere in European affairs. EU already said that if Trump continues to align with Putin the EU is thinking about dumping their US bonds aka our debt. We do NOT have the money to repay them. If they do this our US $dollar will deflate and inflation will go sky high. It will destroy our economy.

5. US government is buying not long term T-bills betting on a market that makes it. Instead they are buying short term T-bills our debt.

6. Copper, silver & Gold stocks are going up like they do before recessions/depressions.

   1. JP Morgan had their gold desk employees all move to Singapore in about a week. Moving whole departments to non-extradition countries with their families in a week is not a good sign

   2. China just stopped sending silver slag to the US. Silver will go up higher. If the silver markets over sold silver stocks that are not backed by this metal because they do not have it, then they will have to pay in all cash. Money printing to cover the gaps would increase inflation.

7. Due to !CE kidnapping people and holding them in camps without due process and schizophrenic tariffs people are not buying our products globally nor are they visiting here. Around 20+ states are already in a recession with ADP reporting in Nov over 1 million jobs so far have been lost in 2025 which is probably why this administration for the first time ever in our history is HIDING the job reports for multiple months.

It is for the above reason’s I was hoping our company retirement funds could look to diversify into recession safer index funds. During depressions energy, hard assets like minerals & real estate are safer bets. Ideas below are things you could discuss with a financial advisor as I am not certified as an advisor.

1. Gold Index options:

   1. VanEck Gold Miners ETF (GDX)

   2. iShares Gold Trust (IAU) - not ETF

2. SLV index for silver

3. VanEck Rare Earth/Strategic Metals ETF (REMX) includes MP Materials

4. Uranium & Nuclear Energy ETFs (like URA)

5. VanEck Uranium+Nuclear Energy ETF (NLR)

6. Vanguard FTSE All-World ex-US ETF (VEU) – Global Energy Exposure

7. SPDR MSCI World Energy ETF (WNRG) – Global Energy Exposure

8. ARK Innovation -low ETF (ARKK)

   1. disruptive innovation in energy & other sectors; low dividend

9. Consumer Staples Select Sector SPDR Fund (XLP) - essentials Costco, food, TP

10. Vanguard Consumer Staples ETF (VDC)- essentials Costco, food, TP

Thank you for diversifying our portfolios to protect our retirements from the volatile economic environment we are in now.

Sincerely,
Your name

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General economic information not to be included in letter #1

FYI indexes are a basket that have many stocks from different companies of a certain sector. Since there are many stocks, you reduce your risk of only owning specific stocks. ETF’s pay you dividends vs other stocks that just reinvest your money into the original stocks to make more money. Ideally you want some of both.

Instagram: Federal Repo Market Info

Meta “special purpose vehicle” information article below

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Letter #2 to your company’s HR dept about planning for 2027 changes to healthcare insurance so we can afford healthcare next year. ← Click to copy and print off this second letter