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Chief Strategist, Strategic Fortunes | | FEATURED ARTICLE | Is Now a Good Time to Invest? | If you're Googling "Is now a good time to invest?" you're not alone. That question usually shows up when the market feels like it's trying to shake you out. | And honestly? "Yes" and "no" can both be true.
It can be a good time to start (or add) if you invest like a fearful person: with a plan, with ballast, and with room to be early without being wrong. | Right now the backdrop is very "headline-sensitive": | A Fed decision is coming Jan 27–28 (markets broadly expect no change, but the message matters). There's shutdown risk hanging over the end of the week. Tariff talk is back in the mix (which can whipsaw inflation expectations and cyclical stocks). And gold has been reacting to geopolitical uncertainty (a reminder that "fear bids" are alive).
| So let's answer the question the way The Cheap Investor should: with an editorial framework, real tickers, and concrete numbers. | | The real question isn't "Is now good?" — it's "Can you survive not being perfectly right?" | Fear-based investors usually get tripped up by one of two mistakes: | All-in at once (timing risk) Not in at all (regret risk)
| A smarter "safeguard" approach is to invest in tranches and build a portfolio that can handle: | a surprise hawkish Fed tone, a political stumble (shutdown / tariff escalation), and a tech-led pullback if earnings guidance disappoints.
| | A balanced "safeguard" portfolio you can build with actual stocks | This is a simple, durable structure that doesn't require heroics. | Bucket 1: Core engine (broad market exposure) | | If you want a "quality tilt" instead of pure broad beta: | | Bucket 2: Income + value discipline (pays you to wait) | | Two individual "sleep-better" dividend names to anchor this bucket: | Procter & Gamble (PG) — ~$150 and ~2.82% dividend yield
Even in a softer consumer environment, PG just put up $22.21B revenue and $1.88 adjusted EPS, and held its outlook. That's what "defensive execution" looks like. Johnson & Johnson (JNJ) — ~$220 and ~2.38% dividend yield
This is the classic "portfolio stabilizer" — you're not buying it to be exciting. You're buying it because fear tends to rotate money into healthcare durability.
| Why these can still be "cheap" even when they're not low-priced:
Because "cheap" is about what you're paying for stability during uncertainty. SCHD's yield profile (mid-3% range) is meaningful in a market that can easily go risk-off around macro/political catalysts. | Bucket 3: Ballast (the thing that helps you not panic sell) | | Bucket 4: "Fear hedge" (optional, but useful in this kind of tape) | | Bucket 5: Growth exposure (keep it controlled) | | | A "market timing" plan that works for fearful investors | You don't need to call the bottom. You need to avoid the two big traps: buying everything the day before a volatility catalyst, or freezing forever. | Here's a simple 3-tranche plan: | Tranche 1: Now (small) | Put 25–33% of what you intend to invest to work immediately into your core (SPY/VIG) and income sleeve (SCHD).
This reduces regret risk. | Tranche 2: After the Fed decision | The Fed meets Jan 27–28. Markets expect a hold, but the press conference tone can move rates and equity multiples.
Deploy another 25–33% after that volatility passes. | Tranche 3: After the political deadline / earnings volatility | With shutdown risk and a heavy earnings week, you keep dry powder for any "overreaction." | This is how you "time" the market without pretending you're a wizard. | | The Cheap Investor definition of "undervalued" in a fearful market | When fear is high, "cheap" usually shows up in one of three places: | Yield becomes attractive again (SCHD at mid-3% yield range is a real signal for income-focused buyers). Defensive earnings durability gets mispriced (PG and JNJ often get temporarily discounted when people chase risk). Diversification is suddenly worth paying for (TLT/GLD sleeves help you stay invested in equities).
| | A simple "fear-based investing" checklist | If you can answer "yes" to these, it's usually a good time to start: | Can I invest in 3 steps instead of one? Do I own something that pays me while I wait (SCHD/PG/JNJ)? Do I have ballast (TLT) and/or a hedge (GLD) so I'm less likely to sell at the wrong time? Am I okay with being early, as long as I'm not reckless?
| If "yes," then it's not about whether today is perfect. It's about whether your process is strong enough to survive the headlines. | Disclaimer: This content is for informational and educational purposes only and should not be considered investment advice. Investing in stocks involves risk, including the potential loss of principal. Always do your own research or consult a qualified financial professional before making investment decisions. | | | | | |
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