In this dangerous and some would say downright stupid market, it's important to make reasonable and prudent decisions with every investment we make.
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Or to put another way, I strive for "consistently not stupid" decisions with my hard-earned discretionary savings, not just for my retirement portfolio, but for all five portfolios I run for Dividend Kings.
Thus for all money I won't need for 5+ years I make decisions based on three principal criteria, that are the basis for the new Dividend Kings Investment Decision Tool and what drives all our portfolio buys.