Any ETFs recommendations that are making money?

Look for dividend etfs?

Not financial advice. Only energy and commodities ETF make positive returns currently. However, since we are late to the game, it will be expensive. And if the prices of commodities and energies fall, they will fall also. Not anytime soon with current geopolitical situation. There is no crystal ball. :(

You can consider diversifying in pamm, average returns about 7% monthly. Can pm TG @ Des07 if wish to know more :)

The overall US market is down since start of year already. Likewise for the HSI. If people are still investing in robo advisors, they have to continue to scale in and ride through the storm. Stopping their investment now defeats the purpose of DCA and they incur the loss