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The best investment strategy in the stock department is stop or sell equity (stock) funds that invest heavily in growth and/or small-company stocks. These often pay little or no dividend income to investors, at the same time a volatile and declining stock market these funds can get clobbered. Right stock funds for 2012 will be EQIUTY INCOME large-cap funds that pick up high-quality major corporations with excellent records for paying above average dividend brings. A 2% to 3% dividend income might not make you rich, but a steady reliable income stream from America's best companies will cushion portfolio losses within a bad market.

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