Where and how to invest money in 2020

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How to Invest Your Money in 2020

Knowing where to invest your time, money, and attention can be challenging. We get it! In this show, we breakdown the most valuable investment strategies to focus on in your 20s, 30s, 40s, and 50s.

This show goes hand-in-hand with our annual Net Worth By Age show. The first show handles specific parts of your Net Worth statement (assets, liabilities, and how you measure up,) this show dives deep into financial priorities and behaviors that will set you up for success!

Research and Resources in this episode:

  • Average Net Worth By Age (2020 Update)
  • The Power of Mentoring (The Money Guy Blog)
  • Financial Order of Operations (The Money Guy Show)
  • How much should I save for retirement? (Fidelity)

In this show, you’ll learn:

  • How to prioritize your time at every age
  • Where to invest your money and how much you should be investing
  • What common investment mistakes to avoid

Enjoy the Show?

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  • Send us your questions or share your story.

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Best Ways to Invest Your Money in 2020: How Anyone Can Be Rich

By Adrian Gee on The Capital

Struggling to earn your first $1,000,000? Wondering just what you can do to help make yourself more successful? There are plenty of things that you can do to make a significant difference in your life and your finances.

However, perhaps the most important thing to do right now is to invest your money. Not sure what the best ways are to invest your money in 2020? We’ll take a look at some of your options in this post.

Put Your Money in the Stock Market

The stock market might be incredibly volatile right now, with 2020 expected to bring more of the same, but that volatility is a good thing for those with some risk tolerance. The bigger the risk, the larger the potential reward. The greater the fluctuations in the stock market, the greater your potential earnings.

Yes, the advice to invest in the stock market is old. It’s trite. It’s almost clichéd. However, none of that eliminates its value. Don’t let fear prevent you from building the wealth that you want and deserve. There are ways that you can hedge your bets and reduce at least some of the risk involved with putting your money into stocks. Here are a few things to know:

  • Educate Yourself — First and foremost, you need to educate yourself. It’s vital that you understand more than the rudiments of how the stock market works, and how to choose the right stocks to invest in. In the past, this usually meant paying high fees to advisors or trusting your money to a stockbroker who would make investments on your behalf. Today, that’s changed. You can find outstanding educational materials online, as well as through many investment-focused apps that will give you the knowledge necessary to invest wisely.
  • Be Conservative — Getting into the stock market can be exciting. It’s tempting to adopt an all or nothing approach here, but that can be folly unless you can afford to shrug off the loss of your entire investment. Instead, go in with a conservative mindset. Be cautious. Study company performance and market sentiment and then make investments.
  • Consider ETFs — Exchange-traded funds, or ETFs, are different from traditional stocks. They can be purchased for far less money, and they give you the ability to diversify your stock portfolio in different areas (commodities, technology, manufacturing, etc.). You can also choose the ETFs you invest in based on your risk tolerance, budget, and other personal factors (at least with the right platform/app).
  • Choose theRight Platform — You cannot simply call up a Wall Street trader and tell him, “Bob, I want to invest $10,000 in Company XYZ right now!”. You need a middleman. In the past, this was your stockbroker or advisor. Today, it can be a smartphone app. There are dozens of different apps out there, such as TD Ameritrade and Scottrade that allow you to invest, but they’re not all created equal. Do your due diligence here and then choose the app that best fits your investment strategy, risk tolerance, and wealth-building goals. Personally, in my free time, I use the platformIQ Option to execute trades. It’s a very simple platform to use and if you know what you’re doing you can generate a nice little side income.

Put Your Money into Real Estate

With the last lingering effects of the Great Recession finally falling behind us, the real estate market has improved to the point that it should be considered by anyone hoping to build their wealth in 2020. How might you get into real estate? Actually, there are several different ways and they are all different.

Fix and Flip — One of the more common ways to get into real estate and make a decent return on your investment is by fixing and flipping homes. You don’t even have to do the hard work of renovating yourself. Instead, you can work with a partner who does the work while you provide the financial backing. Of course, this isn’t the right method for everyone.

Investment Properties — If you have significant capital or a second home that you’re not using, you can get into the investment property act. There’s a lot to be gained by owning rental homes. And, if you don’t want to deal with all the nitty-gritty of being a landlord, you can hire a property management company to do that for you. Of course, the company’s fees will come off the top of your investment.

Crowdfunded Real Estate — Want to enjoy the benefits of rental property without having to be a landlord? Get into crowdfunded real estate. With the help of innovative apps and other platforms, you can purchase a share of commercial real estate or a multi-family property. You’ll earn returns on the money you invest, but you won’t have to deal with things like maintenance, or finding tenants when the old ones move out.

Automate Your Investing

Want to build wealth without having to do all the research it usually entails? Interested in expert help, but don’t want to pay the fees associated with a financial advisor? That’s possible with modern technology. You can let a roboadvisor take care of your investments for you.

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With some of the roboadvisors available today, you don’t have to worry about paying any sort of maintenance fees or other charges. You’ll have some fees on your balance or your investment success, as the company needs to make a profit, but most are far cheaper than working with a human advisor. And, because AI has become so much smarter, you’ll find that your investments perform better over time.

Note that most roboadvisor platforms do have a minimum investment, but some are as low as $100. Others might have a minimum of $1,000, though. Do a bit of research and compare your options before choosing a platform.

Retirement Accounts

This one might sound like common sense or a no-brainer, but you would be surprised at how many people want to build their wealth but fail to pay themselves first. Remember that real wealth is not your income — it’s your financial stability over time. Invest in yourself by putting money away into retirement accounts. Which ones?

If your employer offers a 401(k) plan, that’s the place to start. Put as much money into the account as you can without putting your family in a financial bind. Make sure that you’re maximizing your employer’s matching contribution plan, too. That’s free money that you could be leaving on the table.

Your 401(k) program is just one of the options available to you. Open an IRA. Consider a Roth IRA. Open up a health savings account. All of these allow you to hedge your wealth against inflation and devaluation, offset the potential losses of other investments, and still allow you to benefit from compounding over time.

New to Investing? Think about Mutual Funds

You probably know about stocks and bonds, as well as retirement accounts. But, do you know the value of mutual funds? If you’re just getting started with investing, mutual funds can be great tools to help you build wealth without things getting too complicated. With a single transaction, you’re able to put your money into multiple stocks and bonds. You get diversification without having to make individual investments.

However, be prepared for higher than average minimum investment requirements — think between $500 and $5,000. This is a bit more than some other investment options and considerably more than what you’ll find with some smartphone investment apps.

As a final note, you might want to consider setting up automatic investing with your mutual fund of choice. This is not available with all accounts, but T. Rowe Price and Dreyfus, among others, usually offer this feature.

Invest in Yourself

As I touched on at the beginning of this post, investing in yourself is one of the best ways to ensure that you’re able to build the wealth that you deserve. Now is a great time to do that. By investing in yourself, you can achieve several goals at once, including self-improvement, boosting self-esteem, and improving your earning capability.

How do you invest in yourself? It could be something as simple as reading self-help books. It might be taking night classes. It could be enrolling in a degree program. Really, the sky is the limit here. Investing in yourself is one of the best decisions you can make. After all, with more education, training, and knowledge, you can always earn more money. If you’re looking to read a book that’ll actually make a positive change in your financial life, I’d recommend you checking out my book ‘The 5 Secrets to Financial Freedom’.


In the end, there are many ways that you can invest your money going into 2020. From self-improvement to mutual funds to putting your money in the stock market, each method we’ve covered has something to offer. I would also like to add a bonus tip — you can take the advice from this post and invest in yourself by signing up for my ‘Six Figure Sunday’ course (click here to sign up). In it, I teach you how to earn a six-figure income while working just one day per week. It’s never been simpler to maximize your earning capability while ensuring you can live the lifestyle you want.

Coronavirus and investments: how to make money during falling markets

Pandemic COVID-19 led to chaos in world markets, causing daily fluctuations and making it difficult to find a safe place for your money, reports CNBC.

The S&P 500 lost a fifth of its value during the first quarter of the year, this is its biggest loss since the global financial crisis.

Now it’s more important than ever to have a cash buffer, especially if you are faced with difficult times, such as a fall in employment in the coming months.

Many people think where to invest in order to make a profit.

At the moment, investors disagree. For some, signed on Friday, March 27, the US bill to stimulate the economy in the amount of $ 2,2 trillion means positive changes in the market. Meanwhile, others believe that the economy will continue to fall.

CNBC Make It financial experts have expressed different opinions: comments ranged from worried to cautiously optimistic. Freddy Lim, Investment Director, Digital Assets Manager at StashAway, said current data indicate a short-term market crash. While Samuel Ree, director of investment at Digital Financial Advisory Endowus, says that much more depends on the US political response.

However, they were unanimous that now is a good time to capitalize on investment opportunities.

“The ability to get to come in the long run is usually born in these terrible circumstances. Such an opportunity occurs once every ten years, ”Ri said.

Investment opportunity

For those who already have interests in the market, this means that you need to keep yourself in control and continue to contribute. For those who are outside the market, this means that you need to start purchasing until assets have fallen in price.

As the situation showed during the recent major economic downturns, the global financial crisis, those investors who continued to invest in the S&P 500 received a double return compared to those who switched to cash only three months before the recovery, according to Syfe and CBOE .

Although there are no economic factors that triggered the GFC in the current recession, CEO Dhruv Arora said the data underscores the benefits of maintaining long-term investment.

“No one knows for sure when we will bottom out in the current situation, but we believe that maintaining investment will pay off,” Arora said, speaking out for a diversified portfolio of stocks, bonds and other asset classes.


While stocks have fallen in recent weeks amid the uncertainty caused by coronavirus, CNBC Make It consultants agreed that they remain attractive for investment. Moreover, many of them are now sold below their true value.

Steve Bryce, chief investment strategist at Standard Chartered Private Bank, agreed that with the advent of the virus and containment measures such as increasing remote workers, stocks of technology and healthcare companies are likely to rise. But he warned that they had yet to fall.

“It is possible that in the coming weeks there will be better moments for a purchase as the crisis worsens,” said Bryce.


Bonds, or fixed-income assets, meanwhile look like an attractive defense against stock market volatility, advisers say. This is because the yield they offer is inversely related to interest rates. When interest rates fall, as was the case globally after several cuts in the central bank, bond yields rise.

“The sharp imbalance in the bond market and the reaction of monetary policy have led to a reboot, and the bond market looks like a good protected option for investing assets,” said Endowus Ree.

Bryce agreed, highlighting the Asian dollar bonds and government bonds of developing countries in the US market as separate items.


In other cases, other assets, such as real estate and goods, can help diversify your portfolio.

Gold, in particular, may be a good choice, Ri said, since it provides a hedge against the US dollar. However, as a “zero-return asset class,” the allocation of funds for the precious metal should be small, he said.


For specific geographic regions, consultants noted that Asia, initially at the forefront of the outbreak, seems to be recovering first.

“In our opinion, the potential risks were already included in the price,” said DBS Howe. “In particular, we consider the markets of China and Singapore valuable because they are traded at the GFC level.”

Despite this, many agreed that the United States would continue to remain attractive after gaining control of the stabilization fund’s money.

Where to begin

Despite the fact that markets will remain unstable for some time, experts agreed: now is the best time to start investing.

One of the easiest entry ways for new investors may be to use digital asset management or passively managed index funds. At the same time, investors should focus on long-term goals, and not on pressing financial needs.

“The bottom line is to start small, understand the level of risk, conduct a comprehensive legal review and stay diversified,” said Evie Wee, Head of Financial Planning and Personal Investment at DBS.

“We don’t know how long the pandemic will last, so it would be wise to allocate your finances for a longer period, and not invest 100% of your money at a time,” she added. “Invest money that you don’t need in the short term, use a long-term approach to gain an advantage over time.”

As reported by ForumDaily:

  • A new virus was discovered in the Chinese city of Wuhan in December 2020. In 2020, it covered all continents except Antarctica. On March 11, US President Donald Trump imposed a ban on entering the United States from EU countries. The ban came into force on Friday, March 13, and will last at least 30 days. In particular, it will concern people who have visited the Schengen area over the past 14 days.
  • March 13 Trump due to coronavirus introduced a nationwide emergency regime in the US .
  • On March 11, WHO recognized the situation with the coronavirus pandemic, which covered more than 110 countries. Symptoms of Coronavirus COVID-19 Disease Available here .
  • Virologist’s tips on how to protect yourself from infection – link .
  • Taking advantage of the panic in the society because of the epidemic, fraudsters came up with several schemes to deceive victims of personal data and money. The most common ones can be found here .
  • Having succumbed to panic due to a state of emergency, Americans are massively buying toilet paper but they cannot explain why they need it during the epidemic.
  • Trump has signed into law on paid leave due to coronavirus. Who can count on paid leave, read here.
  • Read all news about coronavirus in our special project .

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Where to Invest, 2020

Eight trends point to what we think is a modestly bullish outlook for stocks.

Illustration by the Project Twins

By Anne Kates Smith, Executive Editor
November 27, 2020
From Kiplinger’s Personal Finance

Every bull market has its quirks, but this one, in its old age, has developed a split personality. After a near-death experience at the end of 2020, the bull re­covered in 2020 and the stock market hit new highs, returning an incredible 23% by the end of October, as measured by Standard & Poor’s 500-stock index.

See Also: The 20 Best Stocks for 2020

And yet, this is no charging bull. It’s more like a Ferdinand, the old children’s book character who refuses to fight. What’s so strange is that the march to record highs has been led by investments favored by the timid—big, U.S. blue chips, low-volatility stocks and defensive sectors more in demand during bear markets than in powerful upturns. Money flowing out of stock funds has belied the index gains. “We have a 20% run in the stock market led by all the bearish assets,” says Jim Paulsen, chief investment strategist at the Leuthold Group. “All this reflects the weirdness of this recovery,” he says. “It’s truly a bull market led by bears.”

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We think the bull can manage a more modest run in 2020, with a good chance that market leadership will come from sectors more traditionally, well, bullish. The familiar litany of risks hasn’t disappeared. But rather than obsessing about lurking bears and an imminent recession (at least for a while), it will make sense to mix a little offense with the defense in your portfolio. For some ideas on what to do with your money now, read about the trends we think will shape the market in 2020. Prices and other data are as of October 31.

1. Stocks keep climbing.

The stock market has defied the odds by continuing to rise well into its 11th year, despite softening earnings growth, recession fears and a huge cloud of tariff-induced uncertainty. Some of those odds will shift a bit more in the bull’s favor in 2020 as central bank stimulus works through the economy, earnings growth picks up, and investors regain an appetite for risk while at least a partial trade deal with China seems doable.


To be clear, we’re not saying to go all-in on stocks at this late stage in the economic recovery and the bull market. Paulsen thinks an ap­propriate portfolio weighting now might be about halfway between whatever your maximum exposure is and your average stock exposure. And this is no time for complacency, says Terri Spath, chief investment officer at Sierra Funds. “You have to be tactical and have a plan for how you’re going to manage volatility,” she says.

It seems reasonable to expect the S&P 500 to reach a level somewhere between 3200 and 3300 in 2020. The conservative, low end of the range implies a price gain of just over 5% and, adding dividends, a total return of just over 7%. That translates to a Dow Jones industrial average of around the 28,500 mark. Whether our call is wide of the mark, and whether the peak in 2020 comes at midyear or year-end, depends largely on how much the U.S. presidential election roils the market. We’ll also note that in 2020, a U.S. blue-chip barometer like the S&P 500 might not be your only gauge of success, as small-company stocks and foreign holdings may shine as well.

2. Recession fears recede.

U.S. manufacturing contracted in October for the third straight month, as global trade tensions continued to weigh on the sector. But the report was an improvement from the previous month, and similar indexes are showing more of an inflection. “You’re seeing early green shoots that the manufacturing recession is bottoming,” says Lindsey Bell, chief investment strategist at Ally Invest. (For more, see our interview with Bell.)

For the U.S. economy overall, Kiplinger expects growth of 1.8% in 2020, compared with an expected 2.3% in 2020 and 2.9% in 2020. Business spending in the U.S. has been subdued by uncertainty about a trade deal, the fallout from Brexit and angst over the presidential election. But with unemployment at decades-long lows, consumers, who account for the bulk of the U.S. economy, remain a strong underpinning. So does the Federal Reserve, which has cut short-term rates three times since June.


Kiplinger expects the unemployment rate to inch up to 3.8% in 2020 from 3.6% in 2020, and the Fed to cut rates at least once early in 2020. “The economy is in a tug-of-war between geopolitical risk and the underlying resilience of the American household, plus the Fed,” says Mike Pyle, global chief investment strategist at investment giant BlackRock. He is betting on the side that has U.S. consumers and central bankers on it.

3. Earnings pick up.

To say 2020 was a disappointing year for corporate earnings is an understatement. Wall Street analysts expect tepid profit growth of 1.3% for 2020, according to earnings tracker Refinitiv. But context is key: It’s no surprise that 2020 earnings were flat compared with profits in 2020 that were supercharged by corporate tax cuts.

For 2020, analysts expect robust earnings growth of just over 10%. Those rosy projections are no doubt high—consider that a year ago, analysts predicted earnings growth of 10% for 2020, too. A more realistic expectation for earnings growth in 2020 is roughly half the consensus estimate, or 5% to 6%, says Alec Young, managing director of FTSE Russell Global Markets Research. Still, “that’s sufficient to keep the market moving higher,” he says.

Reversing 2020 trends, the strongest profit growth is expected from the energy, industrials and materials sectors—the three biggest laggards in 2020. Based on earnings estimates for the next four quarters, the S&P 500 is trading at 17.5 times earnings—higher than the five-year average P/E of 16.6 and the 10-year average of 14.9, but far from outlandish levels.


4. The election trumps everything.

Before worrying about the 2020 presidential election, investors must first parse the potential fallout from a presidential impeachment—or not. The view on Wall Street is that even if President Trump is impeached, his removal from office is unlikely, and the exercise will turn out to be neutral for stocks. “The whole impeachment process is more political theater than anything else,” says Phil Orlando, chief stock strategist at Federated Investors.

And although the election promises to be a nail-biting affair, consider that, dating back to 1833, stocks have returned an average of 6% in presidential election years, according to the Stock Trader’s Almanac. In terms of election outcomes, the worst for stocks historically has been a Republican president with a split Congress, according to RBC Capital Markets (with 2020 being a glaring contradiction). Going back to 1933, whenever that leadership configuration has been in place, the S&P 500 has returned just 4% annualized. The best returns, 14% annualized, come under a Democratic president and a split Congress.

No sector is more in the policy crosshairs than health care, with insurers and drug makers buffeted by proposals to curb prescription prices and expand Medicare. These are variations on familiar themes, and health care stocks often lag ahead of U.S. elections, reports Goldman Sachs, falling behind the S&P 500 by a median of seven percentage points in the 12 months preceding the 11 presidential elections since 1976. As a result, Goldman recommends that investors tilt away from health care stocks. Investors should tread carefully with other sectors most at risk of potential policy changes, including energy (climate risk disclosures, carbon emissions regulations, fracking bans) and financials (more regulation, caps on credit card interest, student debt forgiveness).

5. Offense beats defense.

It may seem counterintuitive at this late stage, but the market in 2020 could reward a little more risk-taking, especially when it comes to betting on cyclical stocks (those that are more sensitive to swings in the economy). “It has been rewarding to be defensively aligned over the past 18 months,” says Mark Luschini, chief investment strategist at Janney Capital Management. “We’re beginning to detect a subtle, but we think persistent, shift to cyclical sectors. We think that’s where we want to be positioned in 2020.”


Consider consumer discretionary stocks (those of companies that make nonessential consumer goods). Investors can take a broad-based approach with Consumer Discretionary Select Sector SPDR (symbol XLY, $121), an exchange-traded fund whose top holdings are Amazon.com (AMZN) and The Home Depot (HD). Sam Stovall, chief strategist at research firm CFRA, says the firm’s favorite discretionary stocks include auto­motive retailers CarMax (KMX, $93) and O’Reilly Automotive (ORLY, $436). Bank of America Merrill Lynch recently recommended Mid-Atlantic homebuilder NVR (NVR, $3,637) in the wake of a pullback in the shares in mid October.

BofA also likes shares of industrial bellwether Caterpillar (CAT, $138), and it has raised its 12-month price target on the stock from $154 to $165 a share. Within financials, UBS Investment Bank recommends insurance giant American International Group (AIG, $53) based on its outlook for improved underwriting results and increasing profit margins.

Tech is another promising sector for 2020, but with a twist, says Paulsen. “The large caps are over-owned and over-loved,” he says. “Smaller names have done just as well, they have faster growth rates, and they’re not in the crosshairs of regulators,” he adds. Stocks in the S&P SmallCap 600 In­formation Technology index trade at close to the same P/E as stocks in the S&P 500 infotech index, Paulsen notes, when the former typically command an 18% premium. Worth exploring: Invesco S&P SmallCap Information Technology ETF (PSCT, $91). Top holdings include Cabot Microelectronics (CCMP), Viavi Solutions (VIAV) and Brooks Automation (BRKS).

Don’t abandon defensive holdings, such as consumer staples, utilities or low-volatility stocks. But you’ll want to scout for the less-pricey names. For example, Credit Suisse has come up with a list of low-volatility stocks with what the firm considers more-reasonable valuations, including advertising firm Omnicom (OMC, $77) and tech company Citrix Systems (CTXS, $109).

6. Value takes off.

For years, value stocks (those that are bargains based on corporate measures such as earnings or sales) have not kept pace with growth stocks (those boosting earnings and sales faster than their peers). The S&P 500 Value index has trailed its growth counterpart by more than five percentage points over the past three years. Since September, however, the value index has trounced growth, returning 6.5%, compared with 2%. We’ve seen such head fakes before. But analysts at Bank of America Merrill Lynch see “a convergence of signs for a sustained value run.” Among them: Value stocks, which tend to overlap with industries that are sensitive to economic swings, typically outperform when economic data start to perk up and when corporate profit growth accelerates.

Moreover, according to BofA, value stocks have been shunned by fund managers, leaving them both inexpensive and with lots of room to run. The S&P 500 Growth index recently traded at 22 times estimated earnings for the year ahead, compared with 15 for its value counterpart. Consider adding some value to your portfolio with two funds from the Kiplinger 25, the list of our favorite no-load funds: Dodge & Cox Stock (DODGX) and T. Rowe Price Value (TRVLX).

7. Rates bottom out.

Yields on 10-year Treasuries sank as low as 1.47% this past summer as recession fears reached a crescendo. Since then, the Fed has pushed short-term rates lower, and 10-year Treasury yields inched back up to 1.7% by the end of October—once again higher than shorter-term yields, thereby negating the dreaded recession harbinger of the so-called inverted yield curve. Still, Kiplinger doesn’t expect 10-year Treasury yields to climb above 2% as long as the trade war lasts, which poses challenges for income investors. “You need the ballast of Treasuries in your portfolio when there’s volatility,” says Young, at FTSE Russell. “But with rates at crazy-low levels, it’s important to get income from other sources as well.”

High-yield bonds (avoid the oil patch), emerging-markets bonds and dividend-paying stocks such as real estate investment trusts and utilities are good places to hunt for yield. Funds to consider include Vanguard High Yield Corporate (VWEHX), yielding 4.5%, and TCW Emerging Markets Bond (TGEIX), yielding 5.1%. Schwab US Dividend Equity (SCHD, $56), a member of the Kiplinger ETF 20 list of our favorite ETFs, invests in high-quality dividend payers and yields just over 3%. Spath, at Sierra Funds, is bullish on preferred stocks. IShares Preferred and Income Securities ETF (PFF, $37) yields 5.5%. (For more ideas, see Income Investing.)

8. Overseas markets revive.

A combination of low valuations and fewer headwinds could make inter­national markets worth exploring in 2020. A comparison of MSCI market indexes in relation to expected earnings shows the U.S. recently trading at a P/E approaching 18, compared with almost 14 for the Eurozone and just 12 for emerging markets.Meanwhile, the European Central Bank launched another round of monetary stimulus in October, and the Fed easing rates in the U.S. should help lift currencies and financial markets in emerging countries. Global trade tensions could de-escalate as the U.S. election approaches, and Britain’s divorce from the EU has taken on a more civil tone.

“The good news on the policy front is recent and may take a few months to boost the global economy,” says market strategist Ed Yardeni, of Yardeni Research. But in terms of portfolio strategies, he says, “the bottom line is that Stay Home has outperformed Go Global during most of the current bull market, but Stay Home could lag over the next six to 12 months.” A worthy choice for investors considering adding some international exposure is Dodge & Cox International Stock (DODFX), with an expense ratio of 0.63%. The fund, which reopened to investors this past spring, has a value tilt and at last report had nearly 20% of assets invested in emerging markets. Top holdings include two French firms, drug maker Sanofi and banker BNP Paribas.

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