1 00:00:08,439 --> 00:00:14,140 Suze: June 21st, 2026. Welcome everybody to the Women and Money podcast, 2 00:00:14,439 --> 00:00:18,680 Suze: as well as everybody smart enough to listen. Suze O 3 00:00:18,680 --> 00:00:20,620 Suze: here and today is Suze School. 4 00:00:21,059 --> 00:00:23,190 Suze: And all I can do is give you advanced warning 5 00:00:23,729 --> 00:00:27,190 Suze: and tell you. you best take out your Suze notebooks 6 00:00:27,409 --> 00:00:29,489 Suze: because I'm going to be talking about a lot of 7 00:00:29,489 --> 00:00:34,450 Suze: symbols for ETFs, two individual stocks that I like for 8 00:00:34,450 --> 00:00:38,369 Suze: dividends that you've never heard me talk about before and 9 00:00:38,369 --> 00:00:43,790 Suze: all those kinds of things. Next, however, and most important. 10 00:00:44,500 --> 00:00:52,138 Suze: Today is Father's Day. So seriously, everybody, happy, happy Father's 11 00:00:52,139 --> 00:00:57,400 Suze: Day to all you incredible fathers out there. I just 12 00:00:57,400 --> 00:01:00,450 Suze: have to say this, um, it always makes me a 13 00:01:00,450 --> 00:01:07,519 Suze: little sad around this time because today, June 21st. 14 00:01:08,269 --> 00:01:14,730 Suze: Many years ago, 1981 to be exact, my father died 15 00:01:15,230 --> 00:01:19,449 Suze: and he was 71 years of age, and my only 16 00:01:19,449 --> 00:01:22,910 Suze: regret that I have in my entire life, 17 00:01:23,290 --> 00:01:28,690 Suze: is that he never got to see my success. He 18 00:01:28,690 --> 00:01:31,290 Suze: died a man thinking he was a failure. Who was 19 00:01:31,290 --> 00:01:33,849 Suze: going to take care of his wife? Who was going 20 00:01:33,849 --> 00:01:37,970 Suze: to take care of his daughter? And here we go, 21 00:01:38,129 --> 00:01:38,559 Suze: but 22 00:01:39,339 --> 00:01:42,989 Suze: obviously he did a great job because look at me now, 23 00:01:43,180 --> 00:01:46,768 Suze: but Daddy, I hope you're doing great wherever you are, 24 00:01:47,059 --> 00:01:49,540 Suze: and I just want to thank you, thank you, thank 25 00:01:49,540 --> 00:01:56,860 Suze: you for all the lessons, life lessons, invaluable life lessons 26 00:01:56,860 --> 00:02:00,800 Suze: that you taught me. So happy Father's Day, everybody. 27 00:02:01,779 --> 00:02:08,820 Suze: Also, today is the very last day, everyone, that you 28 00:02:08,820 --> 00:02:15,859 Suze: can get the Must-Have Documents for $99. Starting tomorrow they 29 00:02:15,860 --> 00:02:19,979 Suze: go up to $153. Now I have to tell you, 30 00:02:20,300 --> 00:02:28,500 Suze: even at $153 seriously, for $2,500 worth of the state 31 00:02:28,500 --> 00:02:29,839 Suze: of the art documents, 32 00:02:30,199 --> 00:02:33,279 Suze: that you can revise and revise and revise as many 33 00:02:33,279 --> 00:02:37,270 Suze: times as you want for free. All updates are free. 34 00:02:37,559 --> 00:02:40,800 Suze: You can share it with your family members and those 35 00:02:40,800 --> 00:02:44,869 Suze: that you know need the must-have documents, because listen to me, 36 00:02:45,199 --> 00:02:49,080 Suze: it just takes one person to step forward and then 37 00:02:49,080 --> 00:02:51,399 Suze: share it with others, and then you get afraid and 38 00:02:51,399 --> 00:02:54,138 Suze: you go, but they'll know my information. No, they won't. 39 00:02:54,479 --> 00:02:58,100 Suze: You get an activation code when you purchase this. 40 00:02:58,649 --> 00:03:01,550 Suze: You then open it up, you create your own account 41 00:03:01,550 --> 00:03:04,570 Suze: with a password and everything, and if you just give 42 00:03:04,570 --> 00:03:08,570 Suze: that activation code to your mother, your sister, your kid, 43 00:03:08,690 --> 00:03:09,410 Suze: I don't care. 44 00:03:10,229 --> 00:03:14,149 Suze: Then they download that. They then get to create their 45 00:03:14,149 --> 00:03:17,779 Suze: own must-have documents with their own passcode so none of 46 00:03:17,779 --> 00:03:22,070 Suze: you can see each other's information. And by the way, 47 00:03:22,149 --> 00:03:27,429 Suze: this might make a fabulous gift for Father's Day. To 48 00:03:27,429 --> 00:03:34,539 Suze: get it, go to musthavedocs.com. Just that simple. One last thing, 49 00:03:34,550 --> 00:03:38,910 Suze: and then I'll start here, is that tomorrow, the 22nd. 50 00:03:39,460 --> 00:03:43,669 Suze: I'm going to be doing a podcast with Doctor Mindy Pelz. 51 00:03:43,949 --> 00:03:46,000 Suze: Do you not know her? You need to know her. 52 00:03:46,419 --> 00:03:51,000 Suze: She's so incredible, I can't even stand it. So, anyway, 53 00:03:51,229 --> 00:03:56,589 Suze: if you wanna watch it, listen to it, go to youtube.com/ 54 00:03:57,029 --> 00:04:02,979 Suze: at Doctor Mindy Pelz, P E L Z. That is 55 00:04:02,979 --> 00:04:05,320 Suze: what you should do, and you can watch. 56 00:04:05,740 --> 00:04:09,179 Suze: I'm sure it will be fabulous. She is fabulous, even 57 00:04:09,179 --> 00:04:11,649 Suze: if you don't want to see me on her podcast, 58 00:04:11,940 --> 00:04:15,250 Suze: on her YouTube channel, cause she's really on YouTube, everybody. 59 00:04:15,539 --> 00:04:19,140 Suze: You should just watch her, especially as older women, what 60 00:04:19,140 --> 00:04:23,260 Suze: happens to our bodies. Nobody, in my opinion, is better 61 00:04:23,260 --> 00:04:26,859 Suze: than her. All right, everybody, are you ready to go 62 00:04:26,859 --> 00:04:30,079 Suze: to Suze School? Get out those notebooks, like I said, 63 00:04:30,540 --> 00:04:31,579 Suze: here we go. 64 00:04:32,309 --> 00:04:35,109 Suze: Now this is what I want you to all understand. 65 00:04:35,309 --> 00:04:39,868 Suze: A healthy market is not one, in my opinion, where 66 00:04:39,869 --> 00:04:45,910 Suze: only seven big technology stocks are holding everything up. That's 67 00:04:45,910 --> 00:04:52,269 Suze: not healthy. A healthy market is when value stocks, small 68 00:04:52,269 --> 00:04:59,489 Suze: company stocks, industrials, transportation stocks, real estate, banks, utilities, and 69 00:04:59,549 --> 00:05:01,260 Suze: even consumer stocks, 70 00:05:01,730 --> 00:05:06,980 Suze: start to wake up and guess what? That is exactly 71 00:05:07,359 --> 00:05:12,679 Suze: what we are seeing right now. However, one reason that 72 00:05:12,678 --> 00:05:15,880 Suze: these things right now are starting to change is because 73 00:05:15,880 --> 00:05:21,579 Suze: oil started to come down. Crude oil really still looks weak, 74 00:05:22,000 --> 00:05:24,500 Suze: and if oil keeps coming down, 75 00:05:24,959 --> 00:05:27,399 Suze: that can be very good for all of you, by 76 00:05:27,399 --> 00:05:32,459 Suze: the way, and for the market. Why? Obviously lower oil 77 00:05:32,839 --> 00:05:38,678 Suze: can mean lower gasoline prices, less inflation pressure, lower interest rates, 78 00:05:38,760 --> 00:05:42,160 Suze: lower volatility, and more money in your pocket. Now I 79 00:05:42,160 --> 00:05:43,919 Suze: don't know when that's really going to happen. 80 00:05:44,540 --> 00:05:48,238 Suze: I don't know how soon, even if they open up everything, 81 00:05:48,480 --> 00:05:50,980 Suze: oil's really gonna start to flow and the problem will 82 00:05:50,980 --> 00:05:55,140 Suze: be solved, but let's just assume that we're on that 83 00:05:55,140 --> 00:05:56,339 Suze: track for now. 84 00:05:57,170 --> 00:06:00,529 Suze: So when oil comes down, however, I don't want you 85 00:06:00,529 --> 00:06:03,950 Suze: to just think, well, I'm gonna pay lower at the pump. 86 00:06:04,369 --> 00:06:07,609 Suze: I need you to think bigger than that, cause lower 87 00:06:07,609 --> 00:06:11,250 Suze: oil can help consumers, it can help stocks, it can 88 00:06:11,250 --> 00:06:14,589 Suze: help bonds, it can help real estate, it can help utilities, 89 00:06:14,779 --> 00:06:17,690 Suze: it can help the whole mood of the market. 90 00:06:18,559 --> 00:06:21,839 Suze: Now, in the past, you know, I've said to you, 91 00:06:21,920 --> 00:06:26,279 Suze: I like the Standard and Poor's 500 ETF, the VTI ETF, 92 00:06:26,720 --> 00:06:30,040 Suze: VOO ETF. I like all those, but do you remember 93 00:06:30,040 --> 00:06:31,779 Suze: a long time ago, 94 00:06:32,570 --> 00:06:35,730 Suze: I actually said to you, I also want you to 95 00:06:35,730 --> 00:06:41,730 Suze: start looking at the ETF with the symbol RSP, and 96 00:06:41,730 --> 00:06:46,630 Suze: this is the equal weighted Standard and Poor's 500 index ETF. 97 00:06:47,290 --> 00:06:50,760 Suze: And that means that every stock gets treated more equally 98 00:06:51,459 --> 00:06:55,458 Suze: instead of the biggest companies dominating the whole index like 99 00:06:55,459 --> 00:07:01,380 Suze: with SPY or VOO. Big difference. Now, in the past, 100 00:07:01,579 --> 00:07:08,420 Suze: obviously SPY has outperformed RSP, but if you were to 101 00:07:08,420 --> 00:07:14,540 Suze: look at it so far this year, 2026, the RSP 102 00:07:14,540 --> 00:07:16,649 Suze: is up 9 to 10%. 103 00:07:17,209 --> 00:07:24,450 Suze: Versus 8 to 9% for SPY. Why is the RSP 104 00:07:24,450 --> 00:07:30,890 Suze: possibly doing better than spiders? It's because investing is starting 105 00:07:30,890 --> 00:07:35,170 Suze: to broaden out. Value happens to be doing better than 106 00:07:35,170 --> 00:07:39,929 Suze: growth stocks right now. So given that that's true, are 107 00:07:39,929 --> 00:07:41,859 Suze: you invested in value at all? 108 00:07:43,269 --> 00:07:47,109 Suze: Are you invested in large cap or small cap? What 109 00:07:47,109 --> 00:07:50,790 Suze: are you doing now? I get it. You hear AI, 110 00:07:50,950 --> 00:07:54,309 Suze: you hear NVIDIA, you hear tech, and you want to 111 00:07:54,309 --> 00:07:57,609 Suze: put everything in there. You hear SpaceX. 112 00:07:58,730 --> 00:08:00,980 Suze: And that's all you want to do. Now, let me 113 00:08:00,980 --> 00:08:05,779 Suze: just comment for a second on SpaceX, everybody. Listen, it's 114 00:08:05,779 --> 00:08:10,500 Suze: gone up, it will come down. You have to be 115 00:08:10,500 --> 00:08:15,420 Suze: careful here. I've told you that. There's nothing stopping it 116 00:08:15,420 --> 00:08:19,570 Suze: from going below the 135 price that it came out at. 117 00:08:19,899 --> 00:08:21,779 Suze: And what concerns me, 118 00:08:22,209 --> 00:08:28,670 Suze: is this thousands of people have SpaceX where their shares 119 00:08:28,670 --> 00:08:33,169 Suze: are absolutely locked up and they cannot be sold for 120 00:08:33,169 --> 00:08:36,309 Suze: three months, six months. There's all these rules out there, 121 00:08:36,530 --> 00:08:41,789 Suze: a lot of shares of stock, employees that own the stock, 122 00:08:41,969 --> 00:08:45,369 Suze: and when that stock comes out of the restricted phase, 123 00:08:45,809 --> 00:08:47,809 Suze: most of those people are going to be 124 00:08:47,945 --> 00:08:50,984 Suze: selling in my opinion. And then what happens to the 125 00:08:50,984 --> 00:08:55,983 Suze: price of SpaceX. So stop thinking that you missed out 126 00:08:55,984 --> 00:08:59,585 Suze: on something. Stop having this thing where you have to 127 00:08:59,585 --> 00:09:02,914 Suze: get in the day something comes out. And by the way, 128 00:09:03,224 --> 00:09:06,385 Suze: I just have to say that the same mistake could 129 00:09:06,385 --> 00:09:09,984 Suze: have been made with Fitz, F I T Z. You 130 00:09:09,984 --> 00:09:12,594 Suze: bought Fitz's Keith Fitz-Gerald's ETF thinking 131 00:09:13,979 --> 00:09:16,270 Suze: it's like a stock that's gonna come out, it's gonna 132 00:09:16,270 --> 00:09:18,369 Suze: go up right away. No. 133 00:09:20,070 --> 00:09:25,280 Suze: FITZ ETF is for long term, because it just came out, 134 00:09:25,460 --> 00:09:28,819 Suze: it's gonna need a lot of time for the dividends 135 00:09:28,820 --> 00:09:32,260 Suze: to start paying, for things to get reinvested, for these 136 00:09:32,260 --> 00:09:35,579 Suze: markets to straighten themselves out. So, a lot of you 137 00:09:35,580 --> 00:09:38,900 Suze: are like, what do I do right now? It's down 5% 138 00:09:38,900 --> 00:09:42,059 Suze: from where it came out. What did I tell all 139 00:09:42,059 --> 00:09:45,619 Suze: of you? Little by little. 140 00:09:46,400 --> 00:09:49,039 Suze: I didn't tell you to keep a lot of money 141 00:09:49,039 --> 00:09:50,718 Suze: in there, that all of a sudden it's gonna make 142 00:09:50,719 --> 00:09:53,119 Suze: you a lot of money. So many of you have 143 00:09:53,119 --> 00:09:54,900 Suze: gotten into the bad habit of... 144 00:09:57,159 --> 00:09:59,669 Suze: The stock went up, the stock went up, this is 145 00:09:59,669 --> 00:10:02,329 Suze: going up, my money's going up, and then all of 146 00:10:02,330 --> 00:10:05,250 Suze: a sudden you get into something, and it goes down, 147 00:10:05,690 --> 00:10:08,840 Suze: and you don't get it, so now you're totally confused. 148 00:10:09,250 --> 00:10:12,289 Suze: You have to be very clear as to why you 149 00:10:12,289 --> 00:10:15,570 Suze: invest in something, and why you do not. 150 00:10:16,580 --> 00:10:19,939 Suze: So, if it makes you nervous, don't invest in it. 151 00:10:20,049 --> 00:10:24,539 Suze: I don't care what it is, but it's something that 152 00:10:24,539 --> 00:10:28,940 Suze: will need time, especially the FITZ ETF. It's going to 153 00:10:28,940 --> 00:10:33,099 Suze: need significant time now. Maybe you wait and you watch 154 00:10:33,099 --> 00:10:35,059 Suze: to see what it does before you put any more 155 00:10:35,059 --> 00:10:37,659 Suze: money in it, or you decide, all right, I'm gonna 156 00:10:37,659 --> 00:10:42,059 Suze: put $50 a month into it, or $100 but no 157 00:10:42,059 --> 00:10:43,478 Suze: big amounts of money. 158 00:10:43,969 --> 00:10:48,880 Suze: Just let these markets work themselves out, all right. Just 159 00:10:48,880 --> 00:10:53,049 Suze: that simple. Now I know a lot of you want 160 00:10:53,049 --> 00:10:57,210 Suze: to know, are all the ETFs and individual stocks in 161 00:10:57,210 --> 00:11:01,130 Suze: the past something that I still believe in, or should 162 00:11:01,130 --> 00:11:03,809 Suze: we sell, or what should we do? Here's why I 163 00:11:03,809 --> 00:11:08,690 Suze: cannot answer that question. I don't know when you bought them. 164 00:11:09,340 --> 00:11:13,900 Suze: If you bought the majority of ETFs and individual stocks 165 00:11:13,900 --> 00:11:17,890 Suze: that I mentioned on this podcast when they first came out, 166 00:11:18,780 --> 00:11:20,640 Suze: you are up significantly. 167 00:11:21,469 --> 00:11:25,380 Suze: But if you listened to this podcast, after they had 168 00:11:25,380 --> 00:11:29,599 Suze: already gone up significantly, and now they're down, 169 00:11:30,539 --> 00:11:33,859 Suze: I don't know where you are on the spectrum. So 170 00:11:33,859 --> 00:11:37,679 Suze: if in fact you bought them when I originally talked 171 00:11:37,679 --> 00:11:41,979 Suze: about them, then you probably have a serious gain. Now 172 00:11:41,979 --> 00:11:45,260 Suze: the question becomes, do you want to take that gain 173 00:11:45,260 --> 00:11:48,260 Suze: off the table? Do you have losses that you can 174 00:11:48,260 --> 00:11:52,140 Suze: offset it with? Does it still make you feel secure, 175 00:11:52,219 --> 00:11:57,619 Suze: or are you afraid if you own any stock, any ETF? 176 00:11:58,239 --> 00:12:01,039 Suze: And now it's making you watch it every day, you 177 00:12:01,039 --> 00:12:04,679 Suze: don't know what to do with it. Here are the 178 00:12:04,679 --> 00:12:08,239 Suze: two questions you need to ask yourself to help you 179 00:12:08,239 --> 00:12:12,229 Suze: make those decisions, 'cause I can't make them for you. 180 00:12:12,640 --> 00:12:16,559 Suze: Let's say you own XYZ, whatever that may be, a stock, 181 00:12:16,640 --> 00:12:21,319 Suze: an ETF, and it is at a certain price right now. 182 00:12:22,469 --> 00:12:27,079 Suze: If you hadn't purchased XYZ and all the money that 183 00:12:27,080 --> 00:12:32,039 Suze: was in XYZ was in cash rather than the ETF 184 00:12:32,039 --> 00:12:38,200 Suze: or stock, the question is this would you buy it today? 185 00:12:39,159 --> 00:12:42,140 Suze: If the answer to that is no, well, guess what, 186 00:12:42,280 --> 00:12:45,460 Suze: you best sell it. If you wouldn't buy more today 187 00:12:45,799 --> 00:12:48,799 Suze: that says you have lost faith in it, you should 188 00:12:48,799 --> 00:12:49,270 Suze: sell it. 189 00:12:50,270 --> 00:12:54,750 Suze: If you say, yes, I would buy more, then you 190 00:12:54,750 --> 00:12:56,988 Suze: keep it just that simple. 191 00:12:58,219 --> 00:13:04,340 Suze: Ask yourself those two questions. However, if you say I 192 00:13:04,340 --> 00:13:06,880 Suze: don't know what I would do, then sell half. 193 00:13:07,739 --> 00:13:10,819 Suze: Take some money off the table, or if you have 194 00:13:10,820 --> 00:13:14,119 Suze: a loss in it. All right, take your loss. 195 00:13:14,859 --> 00:13:18,229 Suze: And then somehow, eventually you'll be able to offset that 196 00:13:18,229 --> 00:13:23,630 Suze: loss with some gains. But don't go crazy. Don't write 197 00:13:23,630 --> 00:13:26,309 Suze: into me and say, should I sell it? Should I 198 00:13:26,309 --> 00:13:29,270 Suze: do this? I don't know what you should do, cause 199 00:13:29,270 --> 00:13:31,770 Suze: I don't know when you bought it, I don't know 200 00:13:31,869 --> 00:13:34,309 Suze: what your tax situation is, I don't know if it's 201 00:13:34,309 --> 00:13:38,090 Suze: in a retirement account. If not, that's not my job. 202 00:13:38,669 --> 00:13:42,229 Suze: My job is to educate you so that you can 203 00:13:42,229 --> 00:13:44,450 Suze: be exposed to things that I like. 204 00:13:45,159 --> 00:13:48,108 Suze: You decide, do you want to buy it or not. 205 00:13:48,690 --> 00:13:52,010 Suze: You decide, do you want to sell it or not. 206 00:13:52,289 --> 00:13:56,859 Suze: There is no right or wrong. I can't predict the future. 207 00:13:56,969 --> 00:14:00,049 Suze: I don't know what's going to happen. Anything can happen 208 00:14:00,049 --> 00:14:04,729 Suze: at any time that will make these markets crash. So 209 00:14:04,729 --> 00:14:08,450 Suze: you have to know your age, your situation, and make 210 00:14:08,450 --> 00:14:12,590 Suze: those decisions yourself. You got that, everybody. 211 00:14:13,219 --> 00:14:17,539 Suze: So what I want to do now, however, is give 212 00:14:17,539 --> 00:14:23,260 Suze: you a list of exchange traded funds just so you 213 00:14:23,260 --> 00:14:27,679 Suze: know their category, and maybe if you want to invest 214 00:14:27,679 --> 00:14:31,400 Suze: in any of them, you can look at them and say, OK, 215 00:14:31,900 --> 00:14:33,020 Suze: I'm going to do that. 216 00:14:33,799 --> 00:14:37,599 Suze: So, are you ready now? I told you that value 217 00:14:37,599 --> 00:14:43,109 Suze: stocks have been doing better than growth stocks. So for value, 218 00:14:43,119 --> 00:14:50,080 Suze: you could look at the ETF VTV or IVE. I 219 00:14:50,080 --> 00:14:52,400 Suze: am not going to give you their names. I'm just 220 00:14:52,400 --> 00:14:56,840 Suze: giving you their symbols. However, if all you want is 221 00:14:56,840 --> 00:15:01,840 Suze: growth stocks, that's all you want, then the symbol is 222 00:15:01,840 --> 00:15:06,010 Suze: VUG or IVW. 223 00:15:07,679 --> 00:15:11,159 Suze: Small cap stocks which have been doing incredible by the way, 224 00:15:11,400 --> 00:15:17,260 Suze: the Russell 2000 index can be represented by IWM, the 225 00:15:17,260 --> 00:15:25,049 Suze: symbol IWM or VTWO. Write them down. 226 00:15:25,919 --> 00:15:31,770 Suze: And listen, when small caps are doing really well, it's 227 00:15:31,770 --> 00:15:36,169 Suze: a good sign because it tells me that investors are 228 00:15:36,169 --> 00:15:40,409 Suze: starting to take on more risks far beyond the giant names, 229 00:15:40,450 --> 00:15:45,450 Suze: and that's good. If you want big tech exposure, and 230 00:15:45,450 --> 00:15:46,630 Suze: that's all you want, 231 00:15:47,419 --> 00:15:54,330 Suze: then there's the ETF QQQ. If all you want are semiconductors, 232 00:15:54,590 --> 00:15:59,299 Suze: then there's my favorite, as you know, SMH, or there's 233 00:15:59,299 --> 00:16:04,820 Suze: another one, SOXX. If all you want are those magnificent 234 00:16:04,820 --> 00:16:08,219 Suze: seven stocks, that's all you want. Do you remember what 235 00:16:08,219 --> 00:16:08,859 Suze: they are? 236 00:16:09,679 --> 00:16:15,890 Suze: Think about it, but anyway, then there is MAGS or 237 00:16:15,890 --> 00:16:22,489 Suze: you could use MGK for large cap growth exposure in 238 00:16:22,489 --> 00:16:23,429 Suze: that area. 239 00:16:24,150 --> 00:16:27,969 Suze: But here's where many of you are making a mistake, OK? 240 00:16:28,440 --> 00:16:32,599 Suze: You hear AI, you hear NVIDIA, you hear tech, and 241 00:16:32,599 --> 00:16:34,919 Suze: you want to put everything in there, and I am 242 00:16:34,919 --> 00:16:39,760 Suze: telling you, do not do that. That is not investing, 243 00:16:39,840 --> 00:16:44,280 Suze: that is chasing. All of you are chasing SpaceX right now. 244 00:16:44,520 --> 00:16:47,359 Suze: I am telling you, stop chasing it. 245 00:16:47,669 --> 00:16:52,419 Suze: Because the real story, really, is so much bigger than that, 246 00:16:52,429 --> 00:16:58,630 Suze: I can't even tell you. Industrials are strong, machinery is strong, 247 00:16:59,109 --> 00:17:03,659 Suze: you know, companies that are tied to infrastructure, equipment manufacturing, 248 00:17:03,750 --> 00:17:07,949 Suze: the data centers, they're all, and even AI build out, 249 00:17:08,109 --> 00:17:12,550 Suze: they're strong. So if you're looking for just industrials, you 250 00:17:12,550 --> 00:17:14,329 Suze: could look at XLI, 251 00:17:15,530 --> 00:17:20,859 Suze: or symbol VIS. Let's say you are interested in energy. 252 00:17:21,099 --> 00:17:22,900 Suze: Not that I would be right now, but let's just 253 00:17:22,900 --> 00:17:29,859 Suze: say you were. Then the energy ETF is XLE. Maybe 254 00:17:29,859 --> 00:17:33,280 Suze: you want, let's just say, oil and gas exploration. 255 00:17:34,069 --> 00:17:40,819 Suze: The ETF is XOP. Crude oil just by itself is USO. 256 00:17:42,790 --> 00:17:45,229 Suze: And by the way, if you wanted to just buy gasoline, 257 00:17:45,310 --> 00:17:51,149 Suze: it's UGA. But remember this, that if the point is 258 00:17:51,150 --> 00:17:53,948 Suze: that oil may go lower. 259 00:17:54,630 --> 00:17:57,829 Suze: Then I don't want you to buy oil. Look at 260 00:17:57,829 --> 00:18:02,149 Suze: what benefits from oil. That's what I want you to see. 261 00:18:02,150 --> 00:18:04,530 Suze: What benefits from lower oil. 262 00:18:05,000 --> 00:18:10,369 Suze: What is that? Real estate investment trusts or REITs, and 263 00:18:10,369 --> 00:18:15,069 Suze: they've been really strong. So for a general REIT, you 264 00:18:15,069 --> 00:18:21,339 Suze: can look at VNQ or XLRE. Now I know that 265 00:18:21,599 --> 00:18:26,079 Suze: I still like CTRE Care Trust as an REIT as 266 00:18:26,079 --> 00:18:29,719 Suze: well as Fitz likes it, but just something for you 267 00:18:29,719 --> 00:18:34,520 Suze: to think about. Now, I have mentioned these in the past, 268 00:18:35,170 --> 00:18:39,569 Suze: but I'm still sticking by them. Financials have been mixed. 269 00:18:39,650 --> 00:18:42,530 Suze: Remember I said a while ago to look at some 270 00:18:42,530 --> 00:18:48,310 Suze: bank stocks, but they have shown some strength now. So financials, 271 00:18:48,530 --> 00:18:55,750 Suze: the ETF is XLF or for banks there is KBE 272 00:18:55,750 --> 00:19:00,469 Suze: or KRE. I recommended both of those a while ago. 273 00:19:00,939 --> 00:19:05,380 Suze: I also recommended utilities for you. Now I get that 274 00:19:05,380 --> 00:19:09,500 Suze: they are boring, but boring can make you money. So 275 00:19:09,500 --> 00:19:14,400 Suze: for utilities, I told you I liked XLU. Why might 276 00:19:14,400 --> 00:19:19,140 Suze: utilities work again? Because if interest rates come down, and 277 00:19:19,140 --> 00:19:22,760 Suze: I'm not saying they're going to right now, but if 278 00:19:22,760 --> 00:19:28,060 Suze: they do, then utilities can become more attractive. Also, they 279 00:19:28,060 --> 00:19:29,920 Suze: tend to be more defensive. 280 00:19:30,280 --> 00:19:34,099 Suze: So do not just dismiss them because they're not exciting. 281 00:19:34,719 --> 00:19:38,959 Suze: Now I've talked to you about consumer things in the past, 282 00:19:39,280 --> 00:19:42,880 Suze: and I admit that consumer stocks and ETFs, they have 283 00:19:42,880 --> 00:19:46,359 Suze: had a rough time because of higher interest rates as 284 00:19:46,359 --> 00:19:50,770 Suze: well as higher energy prices. But if rates ease and 285 00:19:50,770 --> 00:19:52,260 Suze: oils come down. 286 00:19:52,869 --> 00:19:59,869 Suze: Then consumers may get relief. For consumer discretionary stocks, stocks 287 00:19:59,869 --> 00:20:03,329 Suze: where consumers don't have to buy, it's at their discretion. 288 00:20:03,709 --> 00:20:12,270 Suze: The ETF is XLY. For retail, there is XRT. For 289 00:20:12,270 --> 00:20:19,389 Suze: home builders, there is XHB or ITB. 290 00:20:20,000 --> 00:20:24,189 Suze: For transportation, and by the way, it's been very strong lately, 291 00:20:24,520 --> 00:20:27,319 Suze: there is IYT. 292 00:20:28,469 --> 00:20:32,689 Suze: Now I still don't have a problem with gold and silver. 293 00:20:33,109 --> 00:20:37,430 Suze: I know Fitzy doesn't like it. Fine, but I do 294 00:20:37,430 --> 00:20:41,270 Suze: still believe that they can play a role as long 295 00:20:41,270 --> 00:20:44,869 Suze: term diversifiers. I just do, and I stated that on 296 00:20:44,869 --> 00:20:47,750 Suze: the webinar. I don't have a problem with you having 297 00:20:47,750 --> 00:20:48,109 Suze: money 298 00:20:48,219 --> 00:20:52,458 Suze: in it. Small amounts, and they can be represented by 299 00:20:52,459 --> 00:20:58,379 Suze: what the ETF for gold, GLD, or IAU and if 300 00:20:58,380 --> 00:21:04,560 Suze: you want silver, OK, ETF is SLV but I want 301 00:21:04,560 --> 00:21:06,260 Suze: you to be very clear here. 302 00:21:06,819 --> 00:21:09,020 Suze: This isn't where I want you to go out and 303 00:21:09,020 --> 00:21:14,699 Suze: buy 25 different ETFs. That would be absolutely ridiculous. That 304 00:21:14,699 --> 00:21:18,780 Suze: would be such garbage. It's just nuts. But I want 305 00:21:18,780 --> 00:21:22,689 Suze: you to at least know that these are the ETFs 306 00:21:22,689 --> 00:21:27,859 Suze: that represent every area in the market, especially if you 307 00:21:27,859 --> 00:21:30,619 Suze: see that one area may be taking off, and you 308 00:21:30,619 --> 00:21:34,399 Suze: want more exposure in just that area rather than across 309 00:21:34,400 --> 00:21:35,149 Suze: the board. 310 00:21:35,630 --> 00:21:40,189 Suze: Now you know, however, I'm still going to tell you 311 00:21:40,469 --> 00:21:48,589 Suze: that if you own a broad-based index fund like VOO, SPY, VTI, 312 00:21:48,709 --> 00:21:54,869 Suze: or really RSP, I am telling you, I still think 313 00:21:54,869 --> 00:21:59,349 Suze: in the long run you will be just fine, OK. 314 00:21:59,869 --> 00:22:05,630 Suze: So, obviously, you can buy individual stocks besides those. I 315 00:22:05,630 --> 00:22:08,430 Suze: don't have a problem with that, but you have to 316 00:22:08,430 --> 00:22:12,909 Suze: know with individual stocks that you have to watch them, 317 00:22:13,189 --> 00:22:15,229 Suze: you have to know when to buy them, when to 318 00:22:15,229 --> 00:22:18,949 Suze: sell them. You really have to think about this. Now, 319 00:22:19,270 --> 00:22:22,430 Suze: I just want to talk about dividends for a second here. 320 00:22:22,790 --> 00:22:26,790 Suze: As you know, for a long time, I've been telling 321 00:22:26,790 --> 00:22:27,909 Suze: all of you, hey, 322 00:22:28,339 --> 00:22:32,500 Suze: I'd be investing in dividend stocks and dividend ETFs, so 323 00:22:32,500 --> 00:22:36,619 Suze: that even if these markets did go down, I was 324 00:22:36,619 --> 00:22:40,060 Suze: being paid to wait. Do you remember me saying that? 325 00:22:40,380 --> 00:22:41,300 Suze: And have you done that? 326 00:22:42,050 --> 00:22:46,209 Suze: Maybe you have, maybe you haven't, but a lot of 327 00:22:46,209 --> 00:22:55,040 Suze: my money seriously is in individual dividend paying stocks, equity, income, stocks, 328 00:22:55,130 --> 00:22:58,729 Suze: things like that. If I was going to do ETFs, 329 00:22:58,800 --> 00:23:03,329 Suze: these are my recommendations, nobody else's, all right. My number 330 00:23:03,329 --> 00:23:09,810 Suze: one would be the Schwab US dividend equity ETF, symbol is SCHD. 331 00:23:10,290 --> 00:23:15,909 Suze: And it pays approximately anywhere about, I'd say 3.5% right now. So, 332 00:23:15,920 --> 00:23:21,050 Suze: it's got a really great long term record. My next one, 333 00:23:21,170 --> 00:23:26,369 Suze: by the way, would be the iShares Core Dividend Growth 334 00:23:26,369 --> 00:23:32,649 Suze: ETF symbol is DGRO. The income on that is only 335 00:23:32,650 --> 00:23:33,810 Suze: about 2%. 336 00:23:34,160 --> 00:23:37,959 Suze: But it does focus on companies that grow dividends, and 337 00:23:37,959 --> 00:23:41,319 Suze: it has a lot broader diversification, and it does have 338 00:23:41,319 --> 00:23:46,479 Suze: more technology exposure, 'cause I told you, didn't I, that 339 00:23:46,479 --> 00:23:51,069 Suze: besides dividend income, I want it to grow as well. 340 00:23:51,359 --> 00:23:55,699 Suze: The next really would be the Vanguard Dividend Appreciation ETF. 341 00:23:56,989 --> 00:24:01,630 Suze: Dividend is only 1.7% OK, but it does give you 342 00:24:01,630 --> 00:24:05,629 Suze: exposure to companies that have this like long history of 343 00:24:05,630 --> 00:24:11,050 Suze: raising dividends, so it's more growth oriented than income oriented. 344 00:24:11,310 --> 00:24:16,520 Suze: I also really like the Vanguard High Dividend yield ETF 345 00:24:16,520 --> 00:24:17,619 Suze: symbol VYM. 346 00:24:18,900 --> 00:24:24,419 Suze: Again, only gives about 2.2%, up to maybe 2.5% somewhere 347 00:24:24,420 --> 00:24:27,729 Suze: in there, but it's like this broad basket of these 348 00:24:27,729 --> 00:24:32,180 Suze: like hundreds of companies that are dividend paying companies that 349 00:24:32,180 --> 00:24:36,619 Suze: are good companies. And then, again, if you're looking for 350 00:24:36,619 --> 00:24:40,180 Suze: more growth than dividends, I believe it or not, like 351 00:24:40,180 --> 00:24:43,579 Suze: the Wisdom Tree US Quality Dividend Growth Fund. 352 00:24:44,099 --> 00:24:51,500 Suze: Symbol DGRW, gives 1.3%. It's higher than Vannguard or Schwab 353 00:24:51,500 --> 00:24:54,438 Suze: in terms of their expense ratio, so that's up to you. 354 00:24:54,520 --> 00:24:57,920 Suze: You don't need to get this one. They emphasize earnings 355 00:24:57,920 --> 00:25:03,119 Suze: growth and dividend growth altogether. So, those would be my 356 00:25:03,119 --> 00:25:11,040 Suze: favorite ones. Again, the four top would be SCHD, DGRO, VIG, 357 00:25:11,119 --> 00:25:13,609 Suze: and VYM. Now... 358 00:25:15,229 --> 00:25:20,639 Suze: If I was thinking of looking at individual stocks that 359 00:25:20,640 --> 00:25:25,239 Suze: paid a nice dividend, and that I thought offered me growth, 360 00:25:25,359 --> 00:25:29,119 Suze: we're in good areas and everything like that, let me 361 00:25:29,119 --> 00:25:34,119 Suze: tell you about two investments that may deserve your attention 362 00:25:34,119 --> 00:25:38,030 Suze: right now. They have my attention, just so you know. 363 00:25:38,439 --> 00:25:41,270 Suze: First one is symbol BEN, B-E-N. 364 00:25:42,839 --> 00:25:47,160 Suze: And believe it or not, BEN is Franklin Resources. That's 365 00:25:47,160 --> 00:25:52,349 Suze: what it stands for, and their parent company is Franklin Templeton. Now, 366 00:25:52,400 --> 00:25:55,560 Suze: it's not an ETF, not a mutual fund, it is 367 00:25:55,560 --> 00:25:59,619 Suze: a stock, and the stock is currently trading right around 368 00:25:59,939 --> 00:26:04,869 Suze: $33 per share, and it pays an annual dividend of 369 00:26:04,869 --> 00:26:10,270 Suze: approximately $1.28 so that gives you a yield of about 4%. Now, 370 00:26:10,300 --> 00:26:11,379 Suze: why do I like it? 371 00:26:11,900 --> 00:26:16,260 Suze: I like that BEN is a money management company. All right, 372 00:26:16,339 --> 00:26:23,280 Suze: listen closely. It manages roughly 1.7 trillion in assets across 373 00:26:23,380 --> 00:26:29,339 Suze: mutual funds, ETFs, private markets, fixed income, and wealth management. 374 00:26:29,420 --> 00:26:33,469 Suze: I want you to think about that. So as investors 375 00:26:33,469 --> 00:26:35,060 Suze: put money to work, 376 00:26:36,079 --> 00:26:40,979 Suze: then Franklin Templeton earns fees on those assets, right? Yes. 377 00:26:41,439 --> 00:26:46,369 Suze: And as markets grow, assets can grow. So as more 378 00:26:46,369 --> 00:26:50,800 Suze: investors like seek these dividend strategies and active management because 379 00:26:50,800 --> 00:26:55,780 Suze: they want people to handle their money and alternative investments, 380 00:26:56,280 --> 00:26:59,459 Suze: Franklin has the opportunity to benefit here. 381 00:27:00,170 --> 00:27:04,800 Suze: So for years, investors have ignored companies like this, because 382 00:27:04,810 --> 00:27:07,129 Suze: everybody was, what do you think everybody was doing? They 383 00:27:07,130 --> 00:27:12,989 Suze: were chasing technology, but markets don't stay that narrow forever, 384 00:27:13,209 --> 00:27:17,129 Suze: and eventually leadership broadens, and that is what is starting 385 00:27:17,130 --> 00:27:20,770 Suze: to happen. So, BEN is not a momentum story, meaning 386 00:27:20,770 --> 00:27:23,810 Suze: that's not where everybody is starting to go and put 387 00:27:23,810 --> 00:27:26,829 Suze: their money. It's a dividend story. 388 00:27:27,530 --> 00:27:32,968 Suze: It's a value story. It's a turnaround story, and while 389 00:27:32,969 --> 00:27:36,688 Suze: you wait to see if that turnaround continues, OK, what 390 00:27:36,689 --> 00:27:42,489 Suze: are you doing? You're collecting roughly a 4% dividend yield. 391 00:27:43,510 --> 00:27:46,189 Suze: So, I like that one a lot. And am I 392 00:27:46,189 --> 00:27:50,660 Suze: going to add it to my portfolio? Most likely. Next, 393 00:27:51,150 --> 00:27:56,869 Suze: there's a stock with the symbol PLD. Now... 394 00:27:57,989 --> 00:28:03,869 Suze: PLD is a company by the name of Prologis, P 395 00:28:03,869 --> 00:28:07,849 Suze: R O L O G I S, and it's currently 396 00:28:07,849 --> 00:28:14,149 Suze: trading about $141 a share. It pays an annual dividend 397 00:28:14,150 --> 00:28:19,829 Suze: of approximately $4.28 a share, which gives you a yield 398 00:28:19,829 --> 00:28:23,109 Suze: of about 3%. Now, why do I like them? 399 00:28:24,079 --> 00:28:27,239 Suze: I like them because they're one of the largest owners 400 00:28:27,239 --> 00:28:33,160 Suze: of logistics and warehouse real estate in the world. So, really, everybody, 401 00:28:33,239 --> 00:28:37,639 Suze: this is where modern commerce lives. Think about this, when 402 00:28:37,640 --> 00:28:39,199 Suze: you order something online, 403 00:28:39,800 --> 00:28:43,739 Suze: maybe when a retailer ships merchandise, when a delivery company 404 00:28:43,739 --> 00:28:48,719 Suze: moves product across the country, chances are those goods pass 405 00:28:48,719 --> 00:28:56,880 Suze: through facilities owned by Prologis. Amazon needs warehouses. Retailers need warehouses. 406 00:28:57,119 --> 00:29:04,760 Suze: Manufacturers need warehouses. Delivery companies need warehouses, and Prologis owns 407 00:29:04,760 --> 00:29:07,140 Suze: many of the best ones in the world. 408 00:29:07,709 --> 00:29:10,869 Suze: So what I like about PLD is that it isn't 409 00:29:10,869 --> 00:29:15,530 Suze: dependent on the next hot technology trend. It owns infrastructure 410 00:29:15,790 --> 00:29:20,640 Suze: that business needs every single day, that creates cash flow, 411 00:29:20,829 --> 00:29:25,829 Suze: that supports dividend growth, and that provides exposure to one 412 00:29:25,829 --> 00:29:29,630 Suze: of the most important parts of the global economy, if 413 00:29:29,630 --> 00:29:32,790 Suze: you ask me, the movement of goods. So what's the 414 00:29:32,790 --> 00:29:33,650 Suze: takeaway here? 415 00:29:35,130 --> 00:29:40,260 Suze: BEN gives you exposure to financial services, asset management, income, 416 00:29:40,380 --> 00:29:46,020 Suze: and really a potential turnaround story. PLD gives you exposure 417 00:29:46,020 --> 00:29:52,760 Suze: to logistics, industrial real estate, global commerce, and long term infrastructure. 418 00:29:53,420 --> 00:29:56,140 Suze: Neither one of these really is gonna make you rich overnight, 419 00:29:56,260 --> 00:30:00,099 Suze: I promise you that, but I don't want investments that 420 00:30:00,099 --> 00:30:02,260 Suze: promise to make you rich overnight. 421 00:30:02,939 --> 00:30:05,780 Suze: I don't want it. I want you to own investments 422 00:30:05,780 --> 00:30:10,699 Suze: built on real business, real assets, real cash flow, and 423 00:30:10,699 --> 00:30:17,579 Suze: real dividends. It's just that simple because in my opinion, 424 00:30:17,939 --> 00:30:22,920 Suze: that's really how wealth is really built. So, bottom line here, 425 00:30:23,579 --> 00:30:27,579 Suze: if this market continues to broaden out beyond a handful 426 00:30:27,579 --> 00:30:29,239 Suze: of technology stocks, 427 00:30:29,780 --> 00:30:35,020 Suze: if investors place a greater value on income, dividends, and 428 00:30:35,020 --> 00:30:36,569 Suze: durable businesses... 429 00:30:37,439 --> 00:30:43,310 Suze: Then companies like BEN and PLD could be positioned to benefit, 430 00:30:43,640 --> 00:30:47,910 Suze: and that's why I think you should look at them. So, 431 00:30:47,920 --> 00:30:55,199 Suze: there we go. All right, that's everything. Now, remember, last 432 00:30:55,199 --> 00:31:00,369 Suze: day today, to get the must-have documents, and tomorrow, do 433 00:31:00,369 --> 00:31:06,390 Suze: not forget to listen to me on Doctor Mindy's YouTube. 434 00:31:06,609 --> 00:31:08,650 Suze: I can't wait to see it. I love her like 435 00:31:08,650 --> 00:31:09,750 Suze: I told you again. 436 00:31:10,189 --> 00:31:17,750 Suze: Go to youtube.com/ at Doctor Mindy Pelz. That's P E 437 00:31:17,750 --> 00:31:21,530 Suze: L Z, and let's see how we do together. Until then, 438 00:31:21,790 --> 00:31:23,790 Suze: there's only one thing that I want you to remember 439 00:31:23,790 --> 00:31:26,209 Suze: when it comes to your money, and it is this 440 00:31:26,550 --> 00:31:32,310 Suze: people first, then money, then things. Now you stay safe. 441 00:31:32,560 --> 00:31:33,209 Suze: Bye bye.