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Where to Invest in 2009: Age-Based Advice

Posted by: Lauren Young on December 18, 2008

In our recent Investment Outlook issue, I did a short story on age-based investment tips for 2009 focusing on investors 25 to 35; 35 to 55; and 55 to 75. Although no one is named in the story, I interviewed dozens of financial advisers for my piece. Over the next few weeks, I’ll be posting some tips from these different investment experts.

Today’s advice comes from David Brady, Brady Investment Counsel

We favor small-caps over large-caps. Large-caps are attractive but will be weighted down by Baby Boomers moving investment allocations away from stocks to bonds over the foreseeable future. Small- and mid-caps that can grow sales and earnings per share will see their prices move higher, in spite of this trend.

I recommend a 40% large-cap, 60% medium- and small-cap equity split. Low-cost index funds can be used to fill equity allocations.

On the bond side, we like high-quality AA or better bonds or funds that invest in the same. Muni investors should focus on AA or better General Obligation credits, or funds that invest in same.

PIMCO Total Return is a great taxable bond fund. These guys do an outstanding job of shifting the fund around to find to best value in the bond market. Vanguard Intermediate-Term Tax-Exempt Fund is a good choice on the Muni fund side.

Reader Comments


December 18, 2008 6:45 PM

I would recommend the opposite, overweigh large caps. Simple reasoning is that their 10 yr returns are -1%. Small and mid caps 10 yr. returns are 5%. I have seen too many baby boomer predictions fall by the wayside. Your suggestion of index funds is a good one.

sarah miller

December 20, 2008 4:48 PM

check this out. smart idea. good investment.

Water News – Green Business Spotlight H2Om Water with Intention
Wow. After all of my internet surfing and blog posts, I finally came across a product that caught my attention. Just yesterday, I was browsing the bottled water section at Whole Foods when I came across a new brand with a really cool looking logo and labels that read “Joy”, “Peace”, “Health”, and “Prosperity” featuring instructions to visualize this intent while drinking the contents. Intrigued, I bought some and brought it home. It tasted fresher and cleaner than other waters - and hopefully my chosen intent (Prosperity, of course), will manifest.

Now, my curiousity was piqued even more so I chose to visit the company website. H2Om has a very interesting story to tell. The water itself comes from a natural spring water source in San Diego, from the 420,000 acre Cleveland National Forest. Bedrock mortars and metates indicate that Native Americans have enjoyed this spring for over 14,000 years - and it is filtered to a depth of 300 feet before rising to the surface through the hardened granite. The company then treats it with UV light, submicron filters it, and cleanses it with Ozone which is MUCH more efficient than chlorine at removing bacteria. The water is then treated with audio frequencies, sounds, music,color and light according to its intended purpose.

Scientific studies have shown that water is impressionable, and can hold intent or thought frequencies. As our bodies are 90% water, it makes sense to me that drinking this kind of water could have a positive impact.

Also from the company website:

“A portion of our proceeds will benefit the International Water for Life Foundation, the Love Planet Foundation, an environmental education organization dedicated to the protection of the planet for future generations.”

Awesome! And it was reasonably priced to boot.

It is refreshing to see that this Southern California company is leading the way and setting new standards in the bottled water industry while simultaneously inspiring people to participate in creating a better world by focusing their thoughts on creating positive intentions and eco awareness. So if you haven’t gone to the site while reading this, here is a rundown of H2Om Water with Intention.

What is H2Om?
H2Om is a natural spring water, no flavors or additives, bottled in a BPA-free PET1 bottle which is 100% recyclable. The positive themed labels are designed be used as a means to direct your focus towards creating intention. They serve as a reminder to activate your attention and create positive energy throughout your day.
H2Om’s commitment to you and the planet. First and foremost, H2Om has sourced the cleanest, most pure, high mountain spring water. (see my description above) The water emanates from a 4000 ft elevation and is naturally filtered through a granadorite rock formation. It is then brought down the mountain in a stainless steel transport vehicle, and ecologically filtered by UV light, sub micron filtration and then ozonated with Oxygen 3, the most healthy and natural way to clean water.

But wait… what about the plastic bottles? H2om’s BPA-free plastic bottle resin molds are manufactured in an eco-friendly hydro powered plant in Costa Rica, and the bottles are made locally in the US at their Los Angeles bottling plant. H2Om bottles contain no harmful chemicals that could leach into the water and are guaranteed to be Bisphenol-A and Phlalate free. The bottles are 100% recyclable, including the polypropolene labels. H2Om, in collaboration with it’s bottle manufacturer, is now testing the stability of an exciting new organic mineral that will be added to the plastic resin to break it down into nothing but water and oxygen after six months in the outdoor sunlight (coming soon). This will mean, whether in the ocean or landfill, the bottle will not contaminate or harm the environment. H2Om’s mission for sustainability is also represented by route managed deliveries, using tree free and 100% recycled papers and products, and having virtual offices, which are more energy efficient.

What about carbon emissions? In early 2007 H2Om became partners with and was featured as one of their top 20 companies creating positive change on the planet while offsetting their entire carbon footprint. For more information on retail outlets or to order online visit

I am sort of a bottled water snob, but I do have this to say is, “I think this is a great product. The water tastes clean and pure. I actually followed the instructions and found some benefit to it. I also think it’s cool that the power of my purchase created some good on the planet, besides the good it did for me. Too bad there are not more companies following H2Om’s lead to educate, get people involved and be a part of creating something positive on the planet”

Try it out next time you’re in Whole Foods or your favorite health food market.


January 15, 2009 4:26 PM

Sarah, when I see posts like your's, it makes me want to puke.


October 12, 2009 5:22 PM

hahah yeah i know shut it... Sarah. any better ideas?

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Bloomberg Businessweek’s Ben Steverman focuses on the latest moves in financial markets and emerging trends in stocks, bonds, and funds, always with an eye toward giving readers a better understanding of the sometimes confusing and often chaotic world of money. Standard & Poor’s senior index analyst Howard Silverblatt will also provide his take on companies’ finances and the markets. Voted one of the “Top 100 Finance Blogs” in 2007.

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