The "2 Tech 2 Index" Strategy Explained & How to Navigate Market Crashes

Welcome to Market Mondays! In this special clip, Ian Dunlap joins hosts Troy Millings and Rashad Bilal for a deep dive into successful, long-term investing—specifically Ian’s “2Tech2 Index” approach. If you’re seeking clarity on building wealth through investing, this is the discussion you can’t afford to miss. *What’s the “2Tech2 Index” Strategy?* Ian breaks down his simple yet powerful philosophy: You only need four essential companies or assets to achieve financial success. The formula? Anchor your portfolio with two trusted index funds (VOO and VTI) and complement them with two technology giants (Microsoft and Apple). This blend aims to capture broad market growth while focusing on proven tech leaders—making investing easy, straightforward, and effective for anyone. *Crash-Proof Investing & Market Timing Myths* Are you one of the many waiting for a massive market crash to “buy the dip”? Ian has a wake-up call: Most investors won’t have the nerve (or timing) to jump in at rock-bottom prices. Instead of holding cash on the sidelines, Ian insists that regularly investing—especially in companies with strong fundamentals like Nvidia, Microsoft, and others—will serve you much better over time. Historically, some companies actually “melt up” in value while broader markets decline, providing rare opportunities for focused investors. *Investing for Decades, Not Days* Ian, Troy, and Rashad stress that any investment strategy should be solid enough to last for 30 years, not just a year or two. Chasing trends or making frequent strategy changes typically leads to worse outcomes. The bond market may have worked in the past, but today’s environment favors equities—especially dominant US tech firms. *Themes Covered in This Clip:*

• Why you only need four assets to build lasting wealth
• The critical role of index funds and top tech stocks
• Market drops, crashes, and why timing them is nearly impossible
• The US/China tech war and how it impacts markets
• The importance of sticking to a consistent investment strategy

Whether you’re a new investor or an experienced market participant, this conversation provides actionable insights into portfolio construction and the mindset needed for long-term financial growth. No jargon, just straight talk from the Market Mondays crew! *Drop your thoughts in the comments if you’ve used the 2Tech2 Index—and let us know which companies anchor your investment journey!* *Hashtags:* #MarketMondays #Investing #2Tech2Index #IndexFunds #TechStocks #IanDunlap #Microsoft #Apple #Nvidia #StockMarket #WealthBuilding #PersonalFinance --- Subscribe for more clips and actionable investing wisdom every week!

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Episode Transcript

Speaker 1 (00:01):
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Speaker 2 (00:43):
What is to tech two Index? On a high level explanation.

Speaker 3 (00:48):
I think that you only need concentration in four companies
or four assets to make you rich for a lifetime.
My formulation that I have given to the public made
you money from tw tech two index.

Speaker 4 (01:01):
Please put us in JET.

Speaker 3 (01:02):
I think that you should have two index funds which
anchor your portfolio, so if you're missed out in a
great company, they should be in there. Those tickers are
VO BTI. The other two slots will go to tech
companies Microsoft and Apple. Quiz question for everyone what percentage

(01:23):
of vo O and BTI are tech related in terms
of portfolio now, however, and it's a tried and true
methodology for I know Ray Daliol has its all weather
et cetera. But I think in the era that we're
moving into hyper concentration, it's going to be to go.
I've been saying that since twenty eighteen, So I think
you only really need four great companies to tie your

(01:44):
wealth to to make easy invest in easy and simple
for you.

Speaker 2 (01:50):
So would you keep running that strategy through twenty twenty
seven or pause to stack cash and go all in
when stock prices go down?

Speaker 3 (01:59):
Evan, At some point, I want to be very clear
everyone who is waiting for this pristine moment of this
fifty five percent drop, You're not going to have the
cojones go almostly these balls to do it when it
drops forty five or fifty five percent. There's no reason
to stack money on the side waiting for a crash,

(02:22):
especially given the return environment. The thing is left out
of The Big Short, which I loved the movie. They
weren't in an environment where you can get seven hundred
percent to the upside. The person just said, there was
up how much of.

Speaker 4 (02:35):
Micron well.

Speaker 3 (02:38):
Fifty three fifty in two thousand and nine. If you
were a hedge fund manager, you would be a fucking
rock star. So for the first time in our history,
Shot when you were financial advising, could you think of
five companies that was getting four hundred percent return in
two years? It was damn near nonex like a penny stock.
And it may last for two or three weeks.

Speaker 4 (02:59):
But with in video.

Speaker 3 (03:01):
Microsoft, the tear that they've been on Bitcoin, you don't.

Speaker 4 (03:05):
Have to wait for a historic drop to be able
to get rich.

Speaker 3 (03:08):
I do want to say, though, when the move does
come in twenty twenty seven, should you have capital to
the side.

Speaker 4 (03:13):
Yes. Should you stop investing now through twenty seven to
take advantage of the move? Absolutely not. It's going to
be one of the worst decisions in your life.

Speaker 3 (03:21):
And the crazy part is I haven't talked about it,
but in twenty twenty seven, certain companies are going to
melt up. There are going to be some companies that
are so valuable that the economy is tied to that
the value of them are going to fly up as
the market tanks because it's the only store of value
quote unquote on the equity side you can pour money into.

Speaker 4 (03:42):
Man.

Speaker 1 (03:43):
Man, you gotta slow down and say that again, because that,
like people keep talking about this supposed crash, opposed crash,
and we talked about that, kind of leaves fear and
gets emotion into it and people get scared not to invest.
But when you think about it, right, even in these
crashes in ninety nine, the dot com bubble, right, there
were survivors of that. For sure, there were companies that

(04:04):
thrived in that. Yes, a lot of them disappeared because
they didn't have any value. And you can kind of
see the writings on the wall for some of these
companies that really have no value, right, don't have any
real fundamentals.

Speaker 4 (04:17):
But then videos of the world, yeah baby, Microsoft and
open Ai partnership, these.

Speaker 1 (04:25):
And the pullback on that, Like, even if it does
pull back, right, those companies aren't going anywhere.

Speaker 4 (04:35):
They're not going.

Speaker 3 (04:36):
They are We talked about it yesterday on Stock Club call.
We are in a war despite some of you YouTuber
experts say that we're not. We are in a war
with China. And then video AMD Micron Dell asked, they're
in a war to fight China. It is our tech
companies versus the CCP. If we look, the American economy

(05:01):
is done permanent number two forever me it's over with now.
If we win, then we get to go on for
another thirty three years thirty four years of greatness if
we win that war. Secondly, any investment strategy has to
work for you for a thirty year period. So when

(05:22):
people ask, hey, should I change the formula? If you
are changing your strategy year to year, you don't have
a good one. There's a reason why in the beginning
it was two tech, two index and not two indexes
and two bonds. The bond market is decimated and done.
Don't change your strategy.

Speaker 4 (05:38):
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