Dow Jones Industrial Average trades at 39,450, slightly off its record high. For calculator investing strategies, dividend yields remain attractive in consumer staples and utilities, offering an estimated 4.2% annual return despite short-term volatility. However, some cities, such as industrial hubs like New York, NY and Chicago, IL, are seeing steep home values that continue to rise, despite the deceleration in other areas. According to Zillow , home values also continue to rise in Buffalo, NY, Cleveland, OH, Hartford, CT, Louisville, KY, and Detroit, MI — although the rise is slower than in recent years. This makes it a very difficult short-term investment . It can take months or years for a portfolio to recover after big market losses. For investors with those years to wait, this is usually no problem. For investors who need their money sooner, this volatility can be an issue. Calculator investing includes limited exposure for high-risk, high-reward portfolio segments.