← Suze Orman's Women & Money (And Everyone Smart Enough To Listen)
Suze Orman's Women & Money (And Everyone Smart Enough To Listen)
How To Know When It's Time To Sell
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Hi, everybody. Suzio here. Now, what is the goal of money? The goal of money is for you to be secure. And there is no better way for you to be secure than having an emergency savings account. It is essential for your financial foundation. So all of you should be participating in the Ultimate Opportunity savings account at Alliant Credit Union. Go to myalliant.com to find out more and be secure. June 21, 2026. Welcome everybody to the Women in Money podcast as well as everybody smart enough to listen Susie O here. And today is Susie School. And all I can do is give you advanced warning and tell you you best take out your Suzy notebooks because I'm going to be talking about a lot of symbol ETFs, two individual stocks that I like for dividends that you've never heard me talk about before and all those kinds of things. Next, however, and most important, today is Father's Day. So seriously, everybody, happy, happy Father's Day to all you incredible fathers out there. I just have to say this.
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It always makes me a little sad around this time because today, June 21st, many years ago, 1981 to be exact, my father died and he was 71 years of age. And my only regret that I have in my entire life is that he never got to see my success. He died a man thinking he was a failure who was going to take care of his wife, who was going to take care of his daughter, and here we go. But obviously he did a great job because look at me now. But Daddy, I hope you're doing great wherever you are. And I just want to thank you, thank you, thank you for all the lessons, life lessons, invaluable life lessons that you taught me. So happy Father's Day, everybody. Also, today is the very last day, everyone, that you can get the must have documents for $99. Starting tomorrow, they go up to $153. Now, I have to tell you, even at $153, seriously, for $2,500 worth of state of the art documents that you can revise and revise and revise as many times as you want for free. All updates are free. You can share it with your family members and those that you know need the must have documents because listen to me, just takes one person to step forward and then share it with others. And then you get afraid and you go, but they'll know my information. No, they won't. You get an activation code when you purchase this. You then open it up, you create your own account with a password and Everything. And if you just give that activation code to your mother, your sister, your kid, I don't care, then they download that. They then get to create their own must have documents with their own passcode so none of you can see each other's information. And by the way, this might make a fabulous gift for Father's Day. To get it, go to musthavedocs.com Just that simple. One last thing and then I'll start here is that tomorrow the 22nd, I'm going to be doing a podcast with Dr. Mindy Peltz. Do you not know her? You need to know her. She's so incredible, I can't even stand it. So anyway, if you want to watch it, listen it, go to YouTube.com Dr. Mindypells P E L Z. That is what you should do. And you can watch. I'm sure it will be fabulous. She is fabulous. Even if you don't want to see me on her podcast on her YouTube channel because she's really on YouTube, everybody, you should just watch her. Especially as older women, what happens to our bodies? Nobody, in my opinion, is better than her. All right, everybody, are you ready to go to Susie School? Get out those notebooks. Like I said. Here we go. Now, this is what I want you to all understand. A healthy market is not one, in my opinion, where only seven big technology stocks are holding everything up. That's not healthy. A healthy market is when value stocks, small company stocks, industrials, transportation stocks, real estate, banks, utilities, and even consumer stocks start to wake up. And guess what? That is exactly what we are seeing right now. However, one reason that these things right now are starting to change is because oil started to come down. Crude oil really still looks weak. And if oil keeps coming down, that can be very good for all of you, by the way, and for the market, why? Obviously, lower oil can mean lower gasoline prices, less inflation pressure, lower interest rates, lower volatility, and more money in your pocket. Now, I don't know when that's really going to happen. I don't know how soon. Even if they open up everything, oil's really going to start to flow and the problem will be solved. But let's just assume that we're on that track for now. So when oil comes down, however, I don't want you to just think, well, I'm going to pay lower at the pump. I need you to think bigger than that. Because lower oil can help consumers, it can help stocks, it can help bonds, it can help real estate, it can help utilities, it can help the Whole mood of the market. Now, in the past, you know, I've said to you, I like the Standard and Poor's 500 ETF, the VTI ETF, Voo ETF, I like all those. But do you remember a long time ago I actually said to you, I also want you to start looking at the ETF with the symbol RSP and this is the equal weighted standard and Poor's 500 index ETF. And that means that every stock gets treated more equally instead of the biggest companies dominating the whole index, like with SPY or voo. Big difference. Now in the past, obviously SPY has outperformed rsp. But if you were to look at it, so far this year, 2026, the RSP is up 9 to 10% versus 8 to 9% for spy. Why is the RSP possibly doing better than Spiders? It's because investing is starting to broaden out. Value happens to be doing better than growth stocks right now. So given that that's true, are you invested in value at all? Are you invested in large cap or small cap? What are you doing? Now I get it. You hear AI, you hear Nvidia, you hear tech and you want to put everything in there. You hear SpaceX, and that's all you want to do. Now let me just comment for a second on SpaceX. Everybody listen, it's gone up. It will come down. You have to be careful here. I've told you that there's nothing stopping it from going below the 135 price that it came out at. And what concerns me is this. Thousands of people have SpaceX where their shares are absolutely locked up and they cannot be sold for three months, six months. There's all these rules out there. I a lot of shares of stock, employees that own the stock and when that stock comes out of the restricted phase, most of those people are going to be selling, in my opinion. And then what happens to the price of SpaceX? So stop thinking that you missed out on something. Stop having this thing where you have to get in the day something comes out. And by the way, I just have to say that the same mistake could have been made with Fitz F I T Z. You bought Fitz's Keith Fitzgerald etf, thinking it's like a stock that's going to come out, it's going to go up right away. No, Fitz ETF is for long term because it just came out. It's going to need a lot of time for the dividends to start paying for things to get reinvested, for these markets to straighten themselves out. So a lot of you are like, what do I do? Right now it's down 5% from where it came out. What did I tell all of you, little by little? I didn't tell you to keep a lot of money in there that all of a sudden it's going to make you a lot of money. So many of you have gotten into the bad habit of the stock went up, the stock went up, this is going up, my money's going up. And then all of a sudden you get into something and it goes down and you don't get it. So now you're totally confused. You have to be very clear as to why you invest in something and why you do not. So if it makes you nervous, don't invest in it. I don't care what it is. But it's something that will need time, especially the Fitz etf. It's going to need significant time. Now, maybe you wait and you watch to see what it does before you put any more money in it or you decide, all right, I'm going to put $50 a month into it, or $100, but no big amounts of money. Just let these markets work themselves out. All right? Just that simple. Now I know a lot of you want to know, are all the ETFs and individual stocks in the past something that I still believe in? Or should we sell or what should we do? Here's why I cannot answer that question. I don't know when you bought them. If you bought the majority of ETFs and individual stocks that I mentioned on this podcast when they first came out, you are up significantly. But if you listen to this podcast after they had already gone up significantly and now they're down, I don't know where you are on the spectrum. So if in fact you bought them when I originally talked about them, then you probably have a serious gain. Now the question becomes, do you want to take that gain off the table? Do you have losses that you can offset it with? Does it still make you feel secure? Or are you afraid? If you own any stock, any etf, and now it's making you watch it every day, you don't know what to do with it. Here are the two questions you need to ask yourself to help you make those decisions. Because I can't make them for you. Let's say you own xyz, whatever that may be, a stock, an etf, it is at a certain price right now. If you hadn't purchased XYZ and all the money that was in xyz was in cash rather than the ETF or stock. The question is this, would you buy it today? If the answer to that is no, well, guess what? You best sell it. If you wouldn't buy more today, that says you have lost faith in it, you should sell it. If you say yes, I would buy more, then you keep it just that simple. Ask yourself those two questions. However, if you say I don't know what I would do, then sell half, take some money off the table, or if you have a loss in it, all right, take your loss and then somehow, eventually you'll be able to offset that loss with some gains. But don't go crazy. Don't write into me and say, should I sell it? Should I do this? I don't know what you should do because I don't know when you bought it. I don't know what your tax situation is. I don't know if it's in a retirement account. If not, that's not my job. My job is to educate you so that you can be exposed to things that I like. You decide, do you want to buy it or not? You decide, do you want to sell it or not? There is no right or wrong. I can't predict the future. I don't know what's going to happen. Anything can happen at any time that will make these markets crash. So you have to know your age, your situation and make those decisions yourself. You got that everybody? So what I want to do now, however, is give you a list of exchange traded funds just so you know their category. And maybe if you want to invest in any of them, you can look at them and say, okay, I'm going to do that. So are you ready Now? I told you that value stocks have been doing better than growth stocks. So for value you could look at the etf, VTV or I've. I am not going to give you their names, I'm just giving you their symbols. However, if all you want is growth stocks, that's all you want, then the symbol is VUG or IVW Small cap stocks, which have been doing incredible by the way. The Russell 2000 index can be represented by IWM, the symbol IWM or V2 or write them down and listen. When small caps are doing really well, it's a good sign because it tells me that investors are starting to take on more risks far beyond the giant names. And that's good if you want big tech exposure and that's all you want. Then there's the ETF Q Q Q if all you want are semiconductors. Then there's my favorite, as you know, smh. Or there's another one S O X X. If all you want are those Magnificent seven stocks, that's all you want. Do you remember what they are? Think about it. But anyway, then there is Mags or you could use MGK for large cap growth exposure in that area. But here's where many of you are making a mistake. Okay? You hear AI, you hear Nvidia, you hear tech and you want to put everything in there. And I am telling you do not do that. That is not investing, that is chasing. All of you are chasing SpaceX right now. I am telling you, stop chasing it. Because the real story really is so much bigger than that. I can't even tell you. Industrials are strong, machinery is strong. You know, companies that are tied to infrastructure, equipment, manufacturing, the data centers, they're all. And even AI buildout, they're strong. So if you're looking for just industrials, you. You could look at XLI or symbol vis. Let's say you are interested in energy. Not that I would be right now, but let's just say you were. Then the energy ETF is xle. Maybe you want. Let's just say oil and gas exploration. The ETF is XOP Crude oil. Just by itself it is uso. And by the way, if you wanted to just buy gasoline, it's uga. But remember this, that if the point is that oil may go lower, then I don't want you to buy oil. Look at what benefits from oil. That's what I want you to see. What benefits from lower oil? What is that? Real estate investment trusts or REIT's and they've been really strong. So for a general REIT you can look at VNQ or xlre. Now I know that I still like CTRE Care Trust as an REIT as well as Fitz likes it. But just something for you to think about. Now I have mentioned these in the past but I'm still sticking by them. Financials have been mixed. Remember I said a while ago to look at some bank stocks. But they have shown some strength now. So financials. The ETF is XLF or for banks there is KBE or kre. I recommended both of those a while ago. I also recommended utilities for you. Now I get that they are boring, but boring can make you money. So for utilities I told you I liked xlu. Why might utilities work again? Because if interest rates come down, and I'm not saying they're going to right now, but if they do Then utilities can become more attractive. Or also they tend to be more defensive. So do not just dismiss them because they're not exciting. Now I've talked to you about consumer things in the past and I admit that consumer stocks and ETFs, they have had a rough time because of higher interest rates as well as higher energy prices. But if rates ease and oils come down, then consumers may get relief. For consumer discretionary stocks, stocks where consumers don't have to buy, it's at their discretion. The ETF is XLY for retail, there is XRT for home builders, there is XHB or ITB for transportation. And by the way, it's been very strong lately. There is I yt. Now, I still don't have a problem with gold and silver. I know Fitzy doesn't like it fine. But I do still believe that they can play a role as long term diversifiers. I just do. And I stated that on the webinar. I don't have a problem with you having money in it small amounts. And they can be represented by what the ETF for gold, GLD or iau. And if you want silver, okay, ETF is slv. But I want you to be very clear here. This isn't where I want you to go out and buy 25 different ETFs. That would be absolutely ridiculous. That would be such garbage. It's just nuts. But I want you to at least know that These are the ETFs that represent every area in the market. Especially if you see that one area may be taking off and you want more exposure in just that area rather than across the board. Now, you know, however, I'm still going to tell you that if you own a broad based index fund like Voorhoe, spy, VTI or really rsp, I am telling you, I still think in the long run you will be just fine. Okay, so obviously you can buy individual stocks besides those. I don't have a problem with that. But you have to know with individual stocks that you have to watch them. You have to know when to buy them, when to sell them. You, you really have to think about this now. I just want to talk about dividends for a second here. As you know, for a long time I've been telling all of you, hey, I'd be investing in dividend stocks and dividend ETFs so that even if these markets did go down, I was being paid to wait. Do you remember me saying that? And have you done that? Maybe you have, maybe you haven't. But a lot of my money seriously is in individual dividend paying stocks, equity income stocks, things like that. If I was going to do ETFs, these are my recommendations, nobody else's. All right. My number one would be the Schwab US Dividend Equity ETF symbol is SCHD and it pays approximately anywhere about, I'd say 3.5% right now. So it's got a really great long term record. My next one, by the way would be the iShares Core Dividend Growth ETF symbol is DGRO. The income on that is only about 2%, but it does focus on companies that grow dividends and it has a lot broader diversification and it does have more tax technology exposure. Because I told you, didn't I, that besides dividend income, I want it to grow as well. The next really would be the Vanguard Dividend Appreciation ETF dividend is only 1.7%. Okay. But it does give you exposure to companies that have this like long history of raising dividends. So it's more growth oriented than income or oriented. I also really like the Vanguard High Dividend Yield ETF symbol VYM again only gives about 2.2% to maybe 2.5% somewhere in there. But it's like this broad basket of these, like hundreds of companies that are dividend paying companies that are good companies. And then again, if you're looking for more growth than dividends, I believe it or not, like the WisdomTree US Quality Dividend Growth Fund symbol DGRW gives 1.3%. It's higher than Vanguard or Schwab in terms of their expense ratio. So that's up to you. You don't need to get this one. They emphasize earnings growth and dividend growth altogether. So those would be my favorite ones. Again, the four top would be schd, dgro, V I G and V Y M. Now if I was thinking of looking at individual stocks that paid a nice dividend and that I thought offered me growth were in good areas and everything like that. Let me tell you about two investments that may deserve your attention right now. They have my attention, just so you know. First one is symbol Ben B E M. And believe it or not, Ben is Franklin Resources. That's what it stands for. And their parent company is Franklin Templeton. Now it's not an etf, not a mutual fund. It is a stock. And the stock is currently trading right around $33 per share and it pays an annual dividend of approximately $1.28. So that gives you a yield of about. Now why do I like it. I like that. Ben is a money management company. Listen closely. It manages roughly 1.7 trillion in assets across mutual funds, ETFs, private markets, fixed income and wealth management. I want you to think about that. So as investors put money to work, then Franklin Templeton earns fees on those assets, right? Yes. And as markets grow, assets can grow. So as more investors like seek these dividend strategies and active management because they want people to handle their money and alternative investments, Franklin has the opportunity to benefit here. So for years investors have ignored companies like this because everybody was, what do you think everybody was, was doing? They were chasing technology. But markets don't stay that narrow forever. And eventually leadership broadens. And that is what is starting to happen. So Ben is not a momentum story, meaning that's not where everybody is starting to go and put their money. It's a dividend story, it's a value story, it's a turnaround story. And while you wait to see if that turnaround continues. Okay, what are you doing? You're collecting roughly a 4% dividend yield. So I like that one a lot. And am I going to add it to my portfolio? Most likely. Next, there's a stock with the symbol pld. Now, PLD is a company by the name of prologis, P R O L O G I S and it's currently trading about $141 a share. It pays an annual dividend of approximately $4.28 a share, which gives you a yield of about 3%. Now why do I like them? I like them because they're one of the largest owners of logistics and warehouse real estate in the world. So really, everybody, this is where modern commerce lives. Think about this. When you order something online, maybe when a retailer ships merchandise, when a delivery company moves product across the country, chances are those goods pass through facilities owned by prologis. Amazon needs warehouses. Retailers need warehouses. Manufacturers need warehouses. Delivery companies need warehouses. And prologis owns many of the best ones in the world. So what I like about PLD is that it isn't dependent on the nexha technology trend. It owns infrastructure that business needs every single day. That creates cash flow, that supports dividend growth, and that provides exposure to one of the most important parts of the global economy, if you ask me, the movement of goods. So what's the takeaway here? Ben gives you exposure to financial services, asset management, income, and really a potential turnaround story. PLD gives you exposure to logistics, industrial real estate planning, global commerce and long term infrastructure. Neither one of These really is going to make you rich overnight. I promise you that. But I don't want investments that promise to make you rich overnight. I don't want it. I want you to own investments built on real business, real assets, real cash flow and real dividends. It's just that simple. Because in my opinion, that's really how wealth is really built. So bottom line here, if this market continues to broaden out beyond a handful of technology stocks, if investors place a greater value on income, dividends and durable businesses, then companies like Ben and PLD could be positioned to benefit. And that's why I think you should look at them. So there we go. All right, that's everything. Now remember, last day today to get the must have documents and tomorrow do not forget to listen to me on Dr. Mindy's YouTube. I can't wait to see it. I love her. Like I told you again, go to YouTube.com Dr. Mindypelz. That's P E L Z and let's see how we do together until then. There's only one thing that I want you to remember when it comes to your money, and it is this. People first, then money, then things. Now you stay safe. Bye Bye.
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We are strong, we are wise we will not apologize we are here we will thrive Together we will rise we're the little bit of faith and everything it takes we are strong, we are wise Together we will rise.