I work for an insurance company as the director of underwriting. I am a long time investor and wanted to shed insight on an overlooked ideal in finance among the young investors. Our youthful investors have witnessed their parents losing nearly half or more of their investments for their retirement. In most cases, the parents have told their children to be very careful of the market and that there is too much risk involved with the stock market. However, now more than ever is the time to dip our feet in the water with all time low treasury rates. We can barely stay ahead of inflation with these record low rates. The rally has just begun and a cautious easing into the markets into a diverse dividend growth strategy will prevail.