These ETFs can and do lose money at times. However, the diversification safety makes up for the down periods.

SDOG provides you with the opportunity to own equal segments of the economy in one single package. In addition, because they select from some of the largest and most liquid stocks in the world, the holdings are generally high quality companies.

Dividend ETFs make great tools for income and capital appreciation, but they may not save you from the next downturn in stocks.

Nobody can tell you when a 10% stock market pullback is imminent. That has not stopped many from issuing erroneous prognostications over the last 31 months. By the same token, no individual can predict when a correction will morph into a 20% bearish sell-off.

All of those Apple (AAPL) alarmists are eating crow for breakfast. They chastised Tim Cook for months. They declared the death of the tech manufacturing giant at every opportunity. And today, the Cupertino-based multinational is asking those same naysayers, “How do you like me now?