Time to Protect You and Yours

Back in the late 2000s, when the U.S. dollar was sliding fast and inflation fears were everywhere, smart investors weren’t panicking. They were positioning.

They moved into assets that didn’t just survive — they thrived. Now, in 2025, the dollar’s weakness is back in the spotlight… and history is rhyming.

If you’re holding a retirement portfolio, cash-heavy savings, or a nest egg that’s all in dollars — it’s time to look at what worked last time.

The Strategy:

Foreign Currency CDs + Gold Allocation + Global Dividend Stocks

This 3-part move is simple, proven, and accessible for everyday investors — no hedge fund needed.

1. Foreign Currency CDs (Capital Protection + Currency Upside)

Remember CDs? Still a great tool — but U.S.-based ones are losing real value as the dollar drops. Foreign currency CDs let you lock in competitive interest rates in stronger currencies, like the Swiss franc (CHF), Singapore dollar (SGD), or Australian dollar (AUD).

• Where to find them: Major banks (like EverBank/TIAA or HSBC), or brokers like Fidelity offer these.

• What you get: FDIC-insured (in some cases), fixed returns and potential currency gains.

Why it worked before: During the 2007–2008 dollar dip, foreign CDs paid 2–3x the rate of U.S. ones — and gained 5–10% on the currency shift alone.

2. Gold Allocation (The Classic Dollar Hedge)

A 5–10% allocation to gold — via ETFs like GLD or physical bullion — helps protect purchasing power as fiat currencies weaken.

Why it worked before: From 2001 to 2011, gold rose over 500% while the dollar declined — the textbook example of a hedge that works when traditional assets wobble.

3. Global Dividend Stocks (Income Outside the Dollar)

U.S. investors tend to be overexposed to domestic stocks. By allocating a slice to international dividend payers, you get income and currency diversification. Many of these companies are in stable, growing economies and pay dividends in local currency — a built-in dollar hedge.

Fund ideas: IDV (iShares Intl Div ETF), VYMI (Vanguard Intl High Dividend)

Bottom Line:

If the dollar keeps sliding — like it has done oh so many times in the past — these three moves could keep you a step ahead:

• Foreign currency CDs to protect your capital and hedge the dollar

• Gold as a hard, scarce asset to fight inflation and devaluation

• Global dividend stocks to generate income in stronger currencies