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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: jritz0 who wrote (21196)	10/11/2025 1:21:26 PM
From: chowder	7 Recommendations Recommended By ddbpaso jritz0 livwell Markbn Menominee and 2 more members Respond to of 21826

Re: There is nothing about UTES that would be considered a hedge. It might help lower beta of a growth portfolio I agree! Utilities just hold up better during poor market conditions, they aren't expected to provide enough positive upside pricing to offset a market selloff. The advantage is, that since it doesn't decline as much as the market, it helps the portfolio recover more quickly.

To: jritz0 who wrote (21196)	10/11/2025 2:44:15 PM
From: QTI on SI	1 Recommendation Recommended By jritz0 Read Replies (1) \| Respond to of 21826

Re. There is nothing about UTES that would be considered a hedge. As a managed and utilities focused fund, I expect it to do better than the vast majority of individual utility stocks. I would be better off just buying and holding individual utilities than this fund. I mean, what am I paying the managers for if they can't beat the index or limit draw down? Somewhat a similar case to SCHD. Anyway, I'll be dumping UTES on Monday. I only have about 10K invested in it (quite a new position in a IRA), and the position is still up 2.5%. Will be correcting this mistake. Thanks for the suggestion on CTA, KMLM, GLDM, EDGH, QLNEX, QMNNX, QDSNX. But with the exception of CTA, they all have four or five letter tickers. Anything over three letter tickers brings bad luck to me (e.g. UTES and SCHD). But thanks anyway.