ClusterGains

What We Do

I will be listing highly worthwhile stocks from time to time.  Buying popular ETFs can be very profitable, and it avoids the problem that individual stocks have when their fundamentals surprisingly decline, and the stock price falls.  Of course, many ETFs can fall also, but their success is tied more to a macro view of the world, and the exchange traded funds provide important diversification.  You might want to consider a Dow stocks fund since the Dow 30 are viewed as the strongest group of stocks.  DIA tries to track the Dow, and UDOW is a leveraged ETF that should only be bought near annual lows since you could lose a lot of money getting in at the top with UDOW.

Other great stocks to buy are listed on the Long Term page.  As a disclaimer, results may vary, and they may even be negative at times although I am expecting positive results, and I have my own money invested in many of the stocks mentioned on this website.  Please do your own research before buying anything.

Bonds and Dividends

In these uncertain times for the stock market, it would be a good idea to put a large portion of your investment money into bonds and dividend stocks.  It is fine to speculate with part of your portfolio, but most of your money should be invested in solid stocks that are paying you to own them.  In addition to preserving your capital, it is interesting to see the dividend money accumulate in your account month after month.  You will understand the value of getting rich slowly.  This is also great for a supplement to Social Security.

Fibonacci-Stocks.com has a bonds and dividends portfolio to track five stocks for accumulating wealth over time.  The portfolio contains two bond ETFs, a preferred stock dividend ETF, a utility ETF, and a sometimes volatile REIT stock.

JNK, a high yield bond ETF, is one of the bond funds I recommend along with TLT, the long-term government bond ETF.  Both of these stocks may need to be sold for a while if they drop below their respective 50-day moving average price lines.  This is to preserve capital because you don't know how far the stocks may fall.

Concerning TLT, it had a double-digit return in 2014 in addition to a monthly dividend.  TLT will also probably beat the market in 2015 as well because there is too much uncertainty in the world, and investors will always run to bonds in troubled times.

It will be interesting to see how this portfolio works out in the future.  A person definitely needs to have diversification in stocks and bonds that are not affected too much by daily market volatility.  Then, you can go ahead and speculate with some of the rest of your money while you have the peace of mind that some of your stocks are safely making you money right now.