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u.s. economy stock market retirement etfs federal reserve dow jones industrial average s&p 500 quantitative easing wall street interest rates u.s. bonds etf earnings global economy bull market financial crisis retirement savings saving portfolio eurozone china gold wealth management dividend dividends economic growth recession unemployment rate key stock indices asset allocation income economic slowdown investment strategy corporate earnings gold bullion institutional investors housing market mutual funds wealth creation agriculture inflation put option call option social security dividend paying stocks dividend yield deflation central bank home prices dow jones economic recovery bond yields 401(k) ira retirement portfolio savings bear market retirement income retirement planning retirement plan obamacare biotechs monetary policy bond market climate change consumer sentiment consumer confidence capital preservation economic news utilities sector defensive stocks cyclical sectors cyclical stocks utilities option strategy covered call naked call fundamental analysis technical analysis emerging markets stock market rally http://www.dailygainsletter.com/stock-market/why-t dividend payments sovereign debt earnings growth risk dollar cost averaging warren buffett interest rate precious metals silver beta portfolio standard deviation risk management best places to buy gold bullion gold bullion market gold bullion investment how to buy gold bullion gold bullion trading gold bullion bars dividend reinvestment us dollor