Tom Gardner

So if you're holding Deere and IBM and a bunch of ETFs and you have a cash position of 20%, well, then when the market goes down 15%, you're fine.

Your portfolio is more in line with the market and you have some cash and you can do some buying.

But again, to get back to the core point, no matter where you are, cautious, moderate, or aggressive, I think you should move one step to the left and be more risk managing.

And last thing I'll say is risk management sounds boring.

There aren't a lot of people who are celebrated throughout history.

Like you prevented this calamity.

You fought it through and gave us a plan that saved us.

But if you think about it in life, there are times when you really want a pessimist.

Like you want somebody who's like, everything's fine.

I inspected your plane before you get it on.

And I'm an optimist.

Or do you want the person running cybersecurity at your company to be an optimist?

You need certain people in life that are just rigorously looking at the downside, looking at everything that could go wrong.

There are people who have largely avoided the equity markets because they keep thinking it's going to collapse.

And obviously, you can go too far on the risk continuum towards risk aversion, and you can go too far towards speculative excess.

What we're suggesting now, or what I'm suggesting, is that you should understand where you are on that continuum, look at the classifications by the stocks, and in my opinion, given valuations in U.S.

equities today, everybody should take one step closer towards risk management.

So let's put it all together and your approach to investing cautious, moderate to aggressive.

And let's have five stocks that I like right now.

And we're gonna move from the cautious end of the continuum to the aggressive end of the continuum with these five stocks.