Household Banking, Cards & Self-Directed Investing

Own the financial platforms households use to deposit money, borrow, spend and invest, rather than payment-network tollbooths or an AI-lending technology bet. The basket pairs established banking and brokerage franchises with digital distribution platforms. Ahead of bank earnings, this offers a differentiated way to assess consumer financial activity without relying on the crowded semiconductor and power narratives. Launch basket (equal weight): JPM, NU, AXP, HOOD, COIN, SCHW, SOFI, IBKR Rules: 1. No inverse, leveraged or volatility ETFs. 2. Only names tradable at the enrolled brokers (Moomoo): no OTC listings, no dead tickers, nothing on the refused list.