Where's the market headed by year-end—up or down? And when it comes to building your portfolio, should you lean toward individual stocks or go the ETF route? These aren't just casual questions anymore. As we push deeper into 2026, seasoned investors are weighing their options more carefully than ever.

George Seay recently broke down his personal money moves through a rapid-fire "This or That" format, tackling some of the biggest dilemmas investors face right now. His takes? Surprisingly direct. He's not sitting on the fence about where he sees opportunity—or risk—in the months ahead.

The stock-versus-ETF debate continues to divide portfolios. Some swear by the diversification and lower friction of ETFs, while others hunt for alpha through selective stock picks. Seay's approach might surprise you, especially given current volatility patterns and sector rotation trends we've been seeing lately. His year-end market outlook also offers a perspective worth considering, whether you're managing a six-figure portfolio or just getting started with serious allocations.