ACTION POINT
PAY ATTENTION TO THE CULTURE OF THE PEOPLE AND FIRMS YOU INVEST WITH
PAY ATTENTION TO THE CULTURE OF THE PEOPLE AND
FIRMS YOU INVEST WITH
- Certified Financial Planner (CFP)
- Chartered Financial Analyst (CFA)
- Certified Investment Management Associate (CIMA)
Does the advisor:
- Understand & agree with your objectives?
- Pay attention to your comfort levels?
- Have a realistic & workable plan to achieve your goals?
- Have the same values & priorities?
- Emphasize long-term outcomes & investments?
NEVER RISK GETTING CAUGHT SHORT OF CASH
NEVER RISK GETTING CAUGHT SHORT OF CASH
- Cash is king when you need it
- Have a stash on hand to meet emergencies & opportunities
MAKE SOME INVESTMENTS OUTSIDE OF THE COUNTRY
MAKE SOME INVESTMENTS OUTSIDE OF THE COUNTRY
All Investors Tend to Have a Home Country Bias
U.S. Has Been the Place to Invest for the Last Decade
Its Late in the Economic and Market Cycle for U.S.
Early in Cycle for Some Countries, Particularly in the Emerging Markets
Some Countries Experiencing Economic Turnarounds and Political Reform
A MORNINGSTAR FAVORITE:
- ARTISAN DEVELOPING WORLD FUND (ARTYX)
- Morningstar 5-Star & Bronze Medalist ratings
- Run by Lewis Kaufman
- Experienced emerging markets manager
- Launched it in 2015
- Focuses on 40-50 high-quality companies
- Based in emerging markets themselves, including frontier markets or developed market companies
- Large exposure to emerging markets
TAKE ADVANTAGE OF THE INCOME, AND DEFENSIVE QUALITIES OF DIVIDEND PAYING STOCKS
TAKE ADVANTAGE OF THE INCOME, AND DEFENSIVE QUALITIES OF DIVIDEND PAYING STOCKS
Morningstar’s CHRISTINE BENZ’ “TANTALIZING DIVIDEND YIELDS” FUNDS:
SCHWAB U.S. DIVIDEND EQUITY ETF (SCHD)
- – Morningstar Silver Analyst Rating
- – Higher-yielding half of the 2500 largest U.S. stocks (excluding REITs)
- – Consistent dividend payers
- – Companies that score well on various profitability measures
VANGUARD EQUITY-INCOME FUND (VEIPX)
- – Morningstar Silver Analyst Rating
“…run by two separate management teams plying complementary strategies.”
– Christine Benz, Morningstar.com - Vanguard Equity-Income Fund management teams:
— Wellington – finds dividend paying companies inexpensive relative to their growth prospects - – Vanguard – uses a quantitative approach
VANGUARD HIGH DIVIDEND YIELD ETF (VYM)
- – Morningstar Silver Analyst Rating
- – Avoids big bets in traditional high-yield sectors like financials, utilities and energy stocks by the way it weights the portfolio
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