If you’re frustrated picking individual stocks and getting chopped up by market volatility, consider investing in 5-Star funds that consistently pick the best stocks. Rather than chasing last year’s winners, it’s wiser to skate to where the puck is heading.
I’m currently seeing meaningful institutional money flows into emerging markets, foreign banks, technology (AI), gold, and silver, as the U.S. dollar continues to lose purchasing power. Dollar devaluation is not accidental—it is a policy choice that benefits U.S. exporters. When overseas profits are repatriated, a weaker dollar magnifies those earnings.
Gold and the dollar have historically moved inversely—when the dollar declines, gold often rises. Today, gold is also benefiting from continued accumulation by foreign central banks. History shows that when governments print money faster than the world can absorb it, fiat currencies lose value. While the U.S. remains resilient, long-term trends warrant careful planning.
This raises an important question: Will the dollar maintain its reserve-currency status before you need your retirement money—and do you have a plan to protect your hard-earned assets during a primary bear market?
The major indexes have now posted double-digit gains three years in a row. In my experience managing retirement portfolios for more than three decades, I have often seen frustrated investors chase performance at precisely the wrong time. Funds with the strongest long-term track records and disciplined risk management may outperform broad market indexes in 2026.
For the year ahead, I am bullish, expecting the Federal Reserve to lower interest rates ahead of the mid-term elections and consumers to receive larger-than-expected tax refunds, which may fuel additional spending. I favor emerging-market stocks and bonds, long/short strategies, and gold within a diversified, actively managed portfolio. I actively adjust positions as market conditions evolve—aiming to capture most of the upside while avoiding life-changing losses. A passive buy-and-hold approach does not adequately manage risk.
If you would like professional, fiduciary management of your IRA, I offer three model portfolios designed to align with different risk tolerances and retirement goals. As a fee-only, independent advisor, my interests are aligned with yours.
Please feel free to contact me for a second opinion or to discuss whether my approach is right for you:
Dexter@HorizonRIA.com | 337-983-0676
Wishing you a healthy, prosperous, and Happy New Year.
P.S. Thank you for the 5-Star Google reviews. I’m genuinely humbled and grateful.
The grace of God has appeared, offering salvation to all people. Titus 2:11