Table: Investments to Consider

INVESTMENT REASON EXAMPLES

COMMODITY Oil and gold prices rise during Oppenheimer Real Asset or FUNDS wartime. Good diversifiers and Vanguard Precious Metals inflation hedges. funds

CONSUMER They provide things people need Food and personal-care PRODUCT and must purchase. companies such as Gillette, STOCKS Heinz, Kellogg, Kraft Foods, or Consumer Staples Select Sector SPDR

DEFENSE Terrorist attack will increase Lockheed Martin, Northrop STOCKS defense spending. Grumman

DRUG Drug-company earnings are not Merck, Pfizer; Fidelity STOCKS tied to the economy's ups and Select Health Care or downs. Vanguard Health Care funds; Pharmaceutical HOLDRS

HEDGE-TYPE Low correlation with the broader Leuthold Core Fund, Calamos FUNDS market. Market Neutral Fund, Enterprise Mergers & Acquisitions

MONEY Cash is king during periods of Vanguard Prime Money Market MARKET economic stress. Fund FUNDS

REAL ESTATE REITs are good diversifiers and Vornado Realty Trust, INVESTMENT pay high dividends. Office rents Columbia Real Estate Equity TRUSTS in New York are likely to rise. Fund, or iShares Dow Jones U.S. Real Estate Index Fund

SHORT TERM Relatively safe and higher U.S. Treasuries and high- BONDS yielding than money-market grade corporate bonds with instruments. maturities of less than three years INFLATION- Good diversifier and inflation I-Bonds and TIIS, also PROTECTED hedge. Vanguard Inflation Protected SECURITIES Securities Fund

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