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Four Core Stocks Today

Hey friends,

I want to share four important stocks I’m watching closely right now—my “core holdings,” if you will. These aren’t wild plays; they’re reliable companies I believe can build wealth over time. I’ve picked a mix of big tech, consumer essentials, financial services, and health innovation.

Let’s dive into why I consider these core, what makes each strong, the potential risks, and how I’m using them in my portfolio.

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1. Apple (AAPL) — The Reliable Tech Powerhouse

Apple needs little introduction. It’s one of the largest companies in the world, best known for the iPhone, iPad, Mac, and services like Apple Music and iCloud. Here’s why I hold it as a core:

• Massive Ecosystem – Millions use iPhones and Macs, which means people keep giving Apple money for accessories, apps, and services.

• Steady Dividend & Buybacks – Apple consistently returns cash to shareholders. That makes it income-friendly.

• Innovative Growth – Upcoming AI features and the potential for new products—like Vision Pro headsets and eventually auto—keeps excitement alive.

Risks to watch: Supply chain issues, rising competition in AI, and dependency on consumer spending.

How I use it: Apple is a foundation stock. I buy and hold through ups and downs.

2. Microsoft (MSFT) — Enterprise & AI Engine

Microsoft is the backbone of business technology—think Office, Windows, Azure cloud, and more recently, Copilot AI. It’s central to both work and AI trends.

• Diverse Reach – From laptops to servers to AI, Microsoft touches everything.

• Revenue Drivers – Azure and cloud software bring recurring income.

• Leadership in AI – Strong partnership with OpenAI and growing Copilot usage.

Risks: Regulatory scrutiny, global enterprise slowdowns, and competition from Google and AWS.

How I use it: MSFT is my big tech anchor. I buy dips and hold long term.

3. Procter & Gamble (PG) — The Everyday Needs Staple

PG is a consumer staple giant—Crest toothpaste, Tide detergent, Pampers diapers. People buy these no matter what.

• Steady Sales – Demand remains consistent even in downturns.

• Healthy Dividend – PG has increased its dividend for decades.

• Global Reach – It sells essential products all over the world.

Risks: Inflation pressure on consumer goods and competition from store-brand products.

How I use it: PG is my defensive stock. It smooths out ups and downs in markets.

4. JPMorgan Chase (JPM) — Financial Services Anchor

JPMorgan Chase dominates banking—running everything from personal checking to big corporate deals and asset management.

• Diversified Business – It earns from loans, trading, wealth management, and more.

• Strong Balance Sheet – JPM has one of the healthiest banks in the world.

• Attractive Value – A strong dividend and valuation make it solid for income.

Risks: Economic downturns, rising interest rates, and legal or regulatory issues.

How I use it: JPM is my finance bet—balancing low volatility with income and growth.

Why These Four?

Together, these four offer:

They give me a strong base. As markets change, I can add positions in other areas like energy, biotech, or emerging markets.

My Portfolio Strategy

Here’s how I make them work in my portfolio:

1. Balanced Allocation
   I keep about 25%–30% in core stocks like these. The rest goes into diversifiers like smaller companies, international funds, gold, and cash.

2. Regular Rebalancing
   Every quarter, I review performance. If one stock grows too big, I trim some profit and rebalance.

3. Buy the Dips
   If AAPL or MSFT drops 5%–10%, I buy more. That lowers my average cost over time.

4. Reinvest Dividends
   I let dividends from AAPL, PG, and JPM compound over time.

5. Stay Educated
   I track company news and quarterly earnings to make sure nothing fundamental has changed.

Things I Keep an Eye On

• Tech Innovation – I watch AI developments because that drives Apple and Microsoft’s future.

• Consumer Confidence – If people stop buying everyday stuff, PG could be impacted.

• Banking Health – Credit quality, loan growth, and economic signals matter for JPM.

• Global Risks – Interest rates, geopolitical events, and regulation can shake these stocks.

Should You Pick Your Own Four?

Everyone’s situation is different. Think about these questions:

• What do you want? Income, growth, stability, AI exposure?

• What’s your risk level? Can you handle drops in tech prices?

• What’s your time frame? Are you investing for 5 years or 20 years?

Pick stocks that align with your goals. These four are just my choices—they might inspire yours.

Final Takeaways

Core stocks form the foundation of a strong portfolio. They give you growth, income, and stability. By dividing them across tech, consumer, and finance, I balance opportunity with peace of mind.

Here’s my advice as always:

• Stay diversified, don’t chase just one trend.

• Think long-term, don’t be scared of short-term dips.

• Stay informed, and keep adding where it makes sense.

I hope this breakdown helps you shape your own core portfolio. Let me know if you’d like me to dive deeper into any of these stocks or reveal my broader watchlist.

Until next time,

Your friend in finance

[Live Life Grow Wealth]

DISCLAIMER

I make no representations, warranties, or guarantees, whether expressed or implied, that the content provided is accurate, complete, or up-to-date. Past performance is not indicative nor a guarantee of future returns.

I am an individual content creator and not regulated or licensed by the Monetary Authority of Singapore (MAS) as I do not provide investment services.

All forms of investments carry risks, including the risk of losing your entire invested amount. Such activities may not be suitable for everyone. You are strongly encouraged to seek advice from a professional financial advisor if you have any doubts or concerns.