Tom Gardner

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.

So the first one is IBM, International Business Machines.

We've all heard of it before.

It's been a pretty disappointing investment for decades.

I mean, it really started to lose its footing with the PC revolution and all of a sudden Microsoft and Dell computers and so many other companies come along and push IBM to the sidelines.

But actually over the last five years, IBM has been a great investment and they are in advanced technologies.

I mean, they will be a leader in quantum computing as it emerges.

And they're very well financially managed.

So I think IBM is a great cautious investment to make in a portfolio, and I think you'll beat the market with it.

The second more cautious investment would be Progressive Insurance.

Progressive Insurance, obviously a major brand.

Anyone who's a sports fan sees the Progressive ads in every commercial break.

They're also the company that took the lead in telematics, that gave you rewards in your insurance policy for being a better driver, because they put the system in place to track your driving habits, right?

So they use new technology.

Progressive is the most advanced,