Now if i look to retire at 65 (im 46) holding $VTI (+0.1%)
$JEPQ
$BNDW
$VXUS as my long term holds and $ARCC (+0.39%) and $ZIM (+0.3%) for the see how it goes but if it stays in the red not to fussed stocks - anyone got suggestions on maybe what to change.

The two for fun ones (Zim and Arcc) Im not to fussed about and they are just loose change at the moment but maybe will drop more $$ in to them at a latter stage.

$BNDW
$VXUS
$VTI I make a point of putting around $400 in each month