The Investing for Beginners Podcast - Your Path to Financial Freedom

Where to Put Money When the Market Feels Risky with Dave and Friends

Jan 12, 2026
Listen in as the hosts tackle strategies for navigating a risky market. They discuss the importance of having a solid exit plan and understanding risk tolerance. Defensive sectors are examined, including real estate and healthcare, along with their potential pitfalls. The conversation dives into dividend strategies and how to use those dividends to fund higher-risk investments. The group also compares consumer staples like Walmart and Amazon for recession resilience. They weigh the pros and cons of insurance companies and banks, highlighting their defensive roles in a portfolio.
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INSIGHT

Knowledge Can Shorten Your Horizon

  • Knowledge shortens your time horizon and can make you 'fiddle' with positions you once ignored.
  • That extra knowledge can be a curse if it leads to overtrading instead of long-term focus.
ADVICE

Use Cash As Dry Powder

  • If you sell into strength, consider parking proceeds in cash or short-term safe assets to sleep better.
  • Use dry powder to deploy during downturns rather than trying to perfectly time exits.
ADVICE

Align Moves With Your Time Horizon

  • Match portfolio moves to your personal timeline and risk tolerance.
  • If being conservative improves sleep, adjusting allocations is valid even if it costs upside.
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