How To Invest

In addition, Pat thinks then beginner investors should cultivate two important qualities: a healthy sense of skepticism and patience.

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Investors should approach all investments with a healthy sense of skepticism. This can help keep you out of fraudulent stocks that masquerade as high-quality stocks. It will also keep you out of legally operated, but poorly managed, companies that promise more than they can possibly deliver.

If you are a new investor, you should also realize that losing patience can cause you to sell your best choices right before a big rise. All too often, investors buy a promising stock just as it enters a period of price stagnation. Even the best-performing stocks run into these unpredictable phases from time to time. They move mainly sideways in a wide range for months or years before their next big rise begins. (Stock brokers often refer to these stocks as “dead money.”)

If you lack patience, you run a big risk of selling your best choices in the midst of one of these phases, prior to the next big move upward. If you lose patience and sell, you are particularly likely to do so in the low end of the trading range, when stock prices have weakened and confidence in the stock has waned.

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How To Invest Library Archives
You Can See Our Portfolio for Aggressive Growth For November 2025 Here.


If you’re like most investors, you should invest the major portion of your money in stocks from our Conservative Growth Portfolio. But you may want to add some stocks from our Aggressive Growth Portfolio, which we update in this issue.
Both the U.S. Federal Reserve and the Bank of Canada edged their benchmark interest rate down in September. We may see more cuts before the new year.

Understandably, falling interest rates spark demand for dividend-paying stocks. That’s because lower rates generally reduce the income investors receive from their fixed-income investments.

While falling interest rates spur fresh demand for dividend-paying stocks, don’t forget about the hugely positive impact of share buybacks. (See below for one IC member’s question.)
A: Pacer U.S. Cash Cows 100 ETF, $57.45, symbol COWZ on the CBOE (Units outstanding: 333.5 million; Market cap: $19.0 billion; www.paceretfs.com) aims to select and hold the top 100 companies of the Russell 1000 index based on their free cash flow yields.


Pacer defines free cash flow as the cash remaining after a company has paid expenses, interest, taxes, and long-term investments. Free cash flow can then be used to buy back stock, pay dividends, or participate in mergers and acquisitions.
A: We don’t publish targets for several reasons. One is that they draw too much attention to the least reliable part of the investment decision-making process—price. Price targets also spur investors to quit buying or even to sell our best picks way too early. After all, by definition, your best picks are those that did way better than you ever anticipated.
A: H.B. Fuller Company. $58.51, symbol FUL on New York (Shares outstanding: 54.1 million; Market cap: $3.2 billion; www.hbfuller.com), is a leading maker of adhesives, sealants, and other specialty chemical products. It has 7,500 employees worldwide.

Founded in 1887 and incorporated in Minnesota in 1915, the company sells its products in over 140 countries. Its sales operations span 35 countries in North America, Europe, Latin America, Asia Pacific, India, the Middle East, and Africa.

Fuller’s core product is industrial adhesive. The company’s customers use its glues in the making of common consumer and industrial goods, including food and beverage containers, disposable diapers, medical products, windows, sportswear and footwear.
A: Group Dynamite Inc., $63.68, symbol GRGD on Toronto (Shares outstanding: 107.8 million; Market cap: $6.9 billion; www.groupedynamite.com), is a Montreal-based fashion retailer with two brands: Garage (220 stores) and Dynamite (79). Revenue is split about evenly between the U.S. and Canada.


The Garage chain of stores views its typical customer as someone in her early twenties and focused on fashion trends. Dynamite’s typical shopper is in her early thirties, is also fashion-conscious and looking for value.



On November 20, 2024, the company launched its IPO with a listing on the Toronto exchange. It sold subordinate voting shares at $21. The company got none of these proceeds—the funds went to sole owner and CEO Andre Lutfy.
A: ARC Resources, $26.75, symbol ARX on Toronto (Shares outstanding: 581.7 million; Market cap: $15.4 billion; TSINetwork Rating: Extra Risk; www.arcresources.com), produces natural gas as well as oil. Its average output of 364,705 barrels of oil equivalent per day is 62% natural gas and 38% oil.


ARC is an aggressive buyer of its own shares.



Notably, since launching its initial share buyback program in September 2021, the company has repurchased roughly 21% of the total number of shares outstanding.