The Top 10 Dividend Stocks to Buy in 2021 The most important aspect of building your stock portfolio is diversity. If you invest all of your money in one industry and that industry suffers losses, you won’t have funds in other stocks to offset those losses. You also shouldn’t put all your eggs into the same type of stocks such as high risk high return growth stocks. Your portfolio should include growth stocks, value stocks, and low risk dividend stocks. Usually investment professionals recommend a 60% stock allocation and 40% bond allocation. Unfortunately in recent years risk-free bond prices skyrocketed and bond yields fell below the expected inflation rate. We don’t think it is a good idea to be invested in low-risk long-term Treasury bonds as these yield less than 1.7% and bond prices have been declining over the last 12 months. As inflation rate picks up we believe bond prices will continue their decline. That’s why we like dividend stocks instead of Treasury bonds.