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In this episode, the Pitch Team (Tyler, Brandon, and Constantin) gets into a practical conversation about what to do when your portfolio feels “too hot” and you’re worried about a downturn. The group talks through how risk tolerance, time horizon, and having an actual exit plan matter more than trying to time the market.

They also dig into what “defensive” really means in real life—comparing sectors like real estate, healthcare, utilities, energy, insurance, and banks—and why even “safe” areas can still drop when the overall market sells off.

Key Topics Covered

Reducing concentration risk and thinking in portfolio allocation terms

“Don’t fiddle” vs making smart adjustments as your timeline shortens

Defensive sectors

Dividend thinking

Comparing “defensive” companies

Timestamps:

00:00:58 – Retirement portfolio feels overexposed

00:03:01 – “Climbing the wall of worry”

00:04:51 – The real question: if you sell and the market keeps going up, how will you feel?

00:05:10 – Brandon trims QQQM and reallocates

00:10:36 – “Have an exit plan”

00:14:00 – Conservative mindset & Buffett rules (“don’t lose money”)

00:15:04 – Time horizon matters

00:16:28 – “Don’t fiddle”

00:19:08 – Defensive sectors

00:23:34 – Real estate & REIT framing

00:26:52 – Walmart vs Amazon as “defensive” plays

00:30:31 – Costco enters the debate

00:36:21 – PayPal as a dividend payer

00:38:35 – Regulation risk

00:41:18 – DRIP vs conviction

00:44:01 – UnitedHealth: “too big to fail?”

00:47:05 – Are banks defensive? Exposure matters!

00:53:04 – PayPal vs Nubank

01:03:29 – “Bet the house”

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at equity@einvestingforbeginners.com⁠⁠⁠⁠⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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65. The Spanish Civil War: Orwell V Stalin (Ep 4)

Journey Through Time

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