ACTION POINT
OWN SOME DIVIDEND GROWTH COMPANIES
OWN SOME DIVIDEND GROWTH COMPANIES
- Financially healthy
- More defensive in nature
- Provide reliable income
- Compounding power if dividends reinvested
MORNINGSTAR ANALYST FAVORITES
- Vanguard Dividend Growth Fund
- Recently reopened to new investors
- Rated 5-star Gold by Morningstar
- Same manager since 2006
- Beaten market with lower volatility
Vanguard Dividend Appreciation ETF
- Gold Medal Analyst rating by Morningstar
- Symbol VIG
REMEMBER TO REBALANCE INTO OUT OF FAVOR SECTORS
REMEMBER TO REBALANCE INTO OUT OF FAVOR SECTORS.
- U.S. growth stocks, mega-caps, in particular, have dominated markets and portfolios for years
- Their powerful performance means they have outsized positions in indexes and portfolios
- Out of favor groups like small caps, cyclical stocks, value, and emerging markets have been beaten down and in many cases are selling at the lowest relative values to large-cap growth since the financial crisis
- Divergence in valuations has created an opportunity not seen in years, to take some profits from overvalued large-cap growth and add to these unpopular and undervalued sectors
OWN SOME GOLD AS A HEDGE AGAINST MARKET, ECONOMIC AND CURRENCY DECLINES
OWN SOME GOLD AS A HEDGE AGAINST MARKET, ECONOMIC AND CURRENCY DECLINES
THE CASE FOR GOLD
- Protected investors during every bear market but one over the last 50 years
- Anytime markets were in a bear market, gold prices were rising
- World economies are slowing
- Central banks are stimulating
- Corporate and government debt at record levels
LOOK INTO SOME BASIC HEDGING STRATEGIES TO CUSHION YOU FROM MARKET DECLINES
LOOK INTO SOME BASIC HEDGING STRATEGIES TO CUSHION YOU FROM MARKET DECLINES:
- Market Neutral Funds
- – Vanguard Market Neutral fund, Morningstar Silver Medalist
- Cash & Cash Equivalents including U.S. Treasury Bills
- Gold
- Non-Correlated to Stock Market
- Provide Protection when markets get hit
KNOW WHAT YOUR SPECIFIC SOCIAL SECURITY BENEFITS ARE
KNOW WHAT YOUR SPECIFIC SOCIAL SECURITY BENEFITS ARE
- They are valuable
- Your individual circumstances matter
- Some Benefits Expiring:
- – If you were born on or before January 1, 1954, you can claim spousal benefits if you are married or an eligible divorced spouse
- – If you are a widow or widower you are entitled to survivor benefits
- – Might be eligible even if divorced
- – Go to ssa.gov for information on your individual circumstances
- – Read Mary Beth Franklin’s annually updated ebook Maximizing Social Security Retirement Benefits
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