--- title: "\"I’m a Financial Advisor: Here Are the 7 Smartest Money Risks To Take.\" -Interview with Tom Samuelson in Go Banking Rates" description: VGA CIO Tom Samuelson shared his insights with Cynthia Measom of Go Banking Rates about the smartest money moves to make in 2023. image: https://blog.vineyardglobaladvisors.com/hubfs/ft-img-seven-smartest-money-risks.jpg --- [![Vineyard Global Advisors](https://blog.vineyardglobaladvisors.com/hs-fs/hubfs/Vineyard_GlobalAdvisors_logo_transparent.png?width=250&height=87&name=Vineyard_GlobalAdvisors_logo_transparent.png "Vineyard Global Advisors")](https://www.vineyardglobaladvisors.com/) - [Home](https://www.vineyardglobaladvisors.com) - [Our Firm](https://www.vineyardglobaladvisors.com/our-firm) - [Philosophy](https://www.vineyardglobaladvisors.com/our-philosophy) - Strategies - [Strategy Overview](https://www.vineyardglobaladvisors.com/strategies) - Equity Alpha - [Quantitative Value](https://www.vineyardglobaladvisors.com/quantitative-value) - [Quantitative Growth](https://www.vineyardglobaladvisors.com/quantitative-growth) - [Sector Rotation](https://www.vineyardglobaladvisors.com/sector-rotation) - [Style Flex](https://www.vineyardglobaladvisors.com/style-flex) - [Optimized Equity Alpha](https://www.vineyardglobaladvisors.com/optimized-equity-alpha) - [Enhanced S&P 500](https://www.vineyardglobaladvisors.com/enhanced-500) - Income - [Russell 3000 Enhanced Dividend](https://www.vineyardglobaladvisors.com/russell-3000) - [Dynamic Yield](https://www.vineyardglobaladvisors.com/dynamic-yield) - [Risk Managed Income](https://www.vineyardglobaladvisors.com/risk-managed-income) - [Global Fixed Income](https://www.vineyardglobaladvisors.com/global-fixed-income) - Asset Allocation - [Advantage Plus Series](https://www.vineyardglobaladvisors.com/advantage-plus-series) - [Allocation Plus Series](https://www.vineyardglobaladvisors.com/allocation-plus-series) - [ETF Advantage Series](https://www.vineyardglobaladvisors.com/etf-advantage-series) - Insights - [Market Commentary](https://blog.vineyardglobaladvisors.com/commentary) - [Quarterly Webinars](https://blog.vineyardglobaladvisors.com/commentary/tag/webinars) - [In The News](https://blog.vineyardglobaladvisors.com/blog/tag/in-the-news) - [Blog](https://blog.vineyardglobaladvisors.com/blog) - [For Advisors](https://www.vineyardglobaladvisors.com/wealth-advisors) - Contact - [Contact Us](https://www.vineyardglobaladvisors.com/contact-us) - [Request for Proposal](https://www.vineyardglobaladvisors.com/request-for-proposal) ![VGA_Hero](https://blog.vineyardglobaladvisors.com/hubfs/VGA_Hero.jpg) [Media](https://blog.vineyardglobaladvisors.com/blog/tag/media) | [In The News](https://blog.vineyardglobaladvisors.com/blog/tag/in-the-news) | 1 min read # "I’m a Financial Advisor: Here Are the 7 Smartest Money Risks To Take." -Interview with Tom Samuelson in Go Banking Rates Written by [VGA Investment Team](https://blog.vineyardglobaladvisors.com/blog/author/vga-investment-team) Jun 30, 2023 11:21:07 AM ## ![Tom2](https://blog.vineyardglobaladvisors.com/hs-fs/hubfs/Tom2.jpg?width=227&height=227&name=Tom2.jpg) ## "I’m a Financial Advisor: Here Are the 7 Smartest Money Risks to Take." - Interview with Vineyard Global Advisors Chief Investment Officer Tom Samuelson, CFA, CMT  From Treasury bills to emerging markets, Tom Samuelson shared his insights in [Go Banking Rates](https://www.gobankingrates.com/money/financial-planning/financial-advisor-smartest-money-risks-to-take/) with [Cynthia Measom](https://www.gobankingrates.com/author/cynthiameasom/)[,](https://www.ibtimes.com/reporters/panos-mourdoukoutas) about the best money moves to make in 2023. From the low end of the risk spectrum to the top, here are the seven recommendations.  ***This article explores...*** How U.S. T-Bills Provide a Low-Risk Investment Option. *Including Treasury bills in a portfolio is a smart option due to their high short-term rates, which may remain elevated for an extended period. U.S. Treasury bills offer a low-risk investment with a return of 5.3%, providing a real rate of return of 3.5% compared to the current inflation expectation of 1.83%.  * Why Emerging Market Equity Valuations Represent a Buying Opportunity. *Emerging market equities are affordable and currently at a low price point. The MSCI index is being sold at a low price compared to the past 17 years and is similar in price to U.S. stocks at their cheapest point in 25 years. To invest, buy an ETF like EEM or VWO.* How the Burgeoning Artificial Intelligence Sector Could See a Compound Annual Growth Rate of 39% over the next decade. *Many publicly traded companies are expected to benefit from the growing multi-year A.I. investment cycle, potentially reaching $1.3 trillion over the next nine years at a 39% compounded annual growth rate. Consider adding A.I. exposure during pullbacks for a long-term investment horizon of 5+ years.* [*Read the Full Article Here...*](https://www.gobankingrates.com/money/financial-planning/financial-advisor-smartest-money-risks-to-take/) Author: [Cynthia Measom](https://www.gobankingrates.com/author/cynthiameasom/), [Go Banking Rates](https://www.gobankingrates.com/money/financial-planning/financial-advisor-smartest-money-risks-to-take/) Guest: [Tom Samuelson, CIO of Vineyar](https://www.vineyardglobaladvisors.com/our-firm/thomas-samuelson)[d Global Advisors](https://www.vineyardglobaladvisors.com/our-firm/thomas-samuelson) [![View Our Strategies](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/19651629/0f0d02a1-ab92-4994-b098-68cb6f2bae33.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/19651629/0f0d02a1-ab92-4994-b098-68cb6f2bae33) [![Contact Us Today](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/19651629/542864bc-0da7-4a08-9f27-df9bac129224.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/19651629/542864bc-0da7-4a08-9f27-df9bac129224) Investment advisory services are provided through Integrated Advisors Network, LLC (“Integrated”) a registered investment advisor. Registration does not imply a certain level of skill or training. Vineyard Global Advisors, LLC is a practice group of Integrated. The opinions expressed herein are those of Vineyard Global Advisors and are subject to change without notice. This material is not financial advice or an offer to sell any product. Forward-looking statements cannot be guaranteed. This document may contain certain information that constitutes “forward-looking statements” which can be identified by the use of forward-looking terminology such as “may,” “expect,” “will,” “hope,” “forecast,” “intend,” “target,” “believe,” and/or comparable terminology. No assurance, representation, or warranty is made by any person that any of Vineyard’s assumptions, expectations, objectives, and/or goals will be achieved. Nothing contained in this document may be relied upon as a guarantee, promise, assurance, or representation as to the future. Vineyard Global Advisors is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. *Investment advisory services offered through Integrated Advisors Network, LLC (“Integrated), a registered investment advisor. Vineyard Global Advisors is a DBA of Integrated.* Investors cannot invest directly in an index. There is no guarantee that the investment objectives will be achieved. Moreover, past performance is not a guarantee or indicator of future results. Does not constitute advice or a recommendation or offer to sell or a solicitation to deal in any security or financial product. It is provided for information purposes only and on the understanding that the recipient has sufficient knowledge and experience to be able to understand and make their own evaluation of the proposals and services described herein, any risks associated therewith and any related legal, tax, accounting or other material considerations. Integrated is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Business is only transacted in states in which it is property registered or is excluded or exempted from registration. A copy of Integrated's and VGA's current written disclosure brochure filed with the SEC which discusses among other things, business practices, services and fees, is available through the SEC's website at: [www.adviserinfo.sec.gov](https://adviserinfo.sec.gov/?utm_campaign=advisor%20blog%20notices&utm_source=hs_email&utm_medium=email&_hsenc=p2anqtz-_vpysuhnv4rc3vj_dwz7lfh1rhhvpg9b9prvrlvy2m14u-a7zh16kobozkhnzfjzjma367) Previous [← Alternative Investments; A Hybrid Approach](https://blog.vineyardglobaladvisors.com/blog/alternative-investments-a-hybrid-approach) Next ["Timeless Advice from Thomas Samuelson." Interview on Smart Money Circle with Adam Sarhan →](https://blog.vineyardglobaladvisors.com/blog/tom-samuelson-interview-on-smart-money-circle) ## You May Also Like These Perspectives on Media [![ft-img-new-bull-market-1](https://blog.vineyardglobaladvisors.com/hubfs/ft-img-new-bull-market-1.jpg)](https://blog.vineyardglobaladvisors.com/blog/money-life-with-chuck-jaffe-kendall-dilley-11-22-24) [Media](https://blog.vineyardglobaladvisors.com/blog/tag/media) ### [Kendall Dilley, CFA, CMT on Money Life with Chuck Jaffe](https://blog.vineyardglobaladvisors.com/blog/money-life-with-chuck-jaffe-kendall-dilley-11-22-24) Dec 4, 2024 8:50:35 AM | 1 min read [![ft-img-seven-best-commodity-stocks-to-own](https://blog.vineyardglobaladvisors.com/hubfs/ft-img-seven-best-commodity-stocks-to-own.jpg)](https://blog.vineyardglobaladvisors.com/blog/tom-samuelson-on-morning-live-trade-october-16th) [Media](https://blog.vineyardglobaladvisors.com/blog/tag/media) ### ["Amazingly Resilient" Markets Before U.S. Election - Tom Samuelson, CFA, CMT, on Schwab Network's Morning Trade Live.](https://blog.vineyardglobaladvisors.com/blog/tom-samuelson-on-morning-live-trade-october-16th) Oct 17, 2024 8:51:22 AM | 1 min read [![video-thumbnail-the-winemaking-analogy](https://blog.vineyardglobaladvisors.com/hubfs/Video/thumbnails/video-thumbnail-the-winemaking-analogy.jpg)](https://blog.vineyardglobaladvisors.com/blog/harvesting-success-the-philosophy-of-vga) [Media](https://blog.vineyardglobaladvisors.com/blog/tag/media) ### [Harvesting Success: The Philosophy of Vineyard Global Advisors](https://blog.vineyardglobaladvisors.com/blog/harvesting-success-the-philosophy-of-vga) Dec 6, 2023 2:42:58 PM | 2 min read ### Subscribe to Vineyard Commentary ![Vineyard_GlobalAdvisors_logo_white](https://blog.vineyardglobaladvisors.com/hs-fs/hubfs/Vineyard_GlobalAdvisors_logo_white.png?width=200&name=Vineyard_GlobalAdvisors_logo_white.png) 9800 Mt. 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Registration does not imply a certain level of skill or training. VGA is affiliated with, but not under common control of, Integrated. More information about Vineyard Global Advisor, including our investment strategies, fees and objectives, can be found in our Form [ADV Part 2A](https://blog.vineyardglobaladvisors.com/hubfs/VGA%20ADV2B.pdf) and our Form CRS. ### Subscribe to Vineyard Commentary Copyright © 2026 | Vineyard Global Advisors LLC | All Rights Reserved. ## Heading Text Lorem ipsum dolor sit amet, consectetur adipiscing elit. Cras eu mauris dapibus ante interdum tempor non eu metus. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia curae; Sed lobortis sodales consequat. [Call To Action 01](http://crawfordinvestment-8881895.hs-sites.com/) [Call To Action 02](http://crawfordinvestment-8881895.hs-sites.com/) ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://blog.vineyardglobaladvisors.com/media-transcripts/183508235686/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://19651629.fs1.hubspotusercontent-na2.net/hubfs/19651629/11.22.24_Kendall%20Dilley.mp4", "dateModified" : "2025-10-31T16:25:45.432Z", "duration" : "PT7M47S", "height" : 1082, "name" : "11.22.24_Kendall Dilley", "thumbnailUrl" : "https://19651629.fs1.hubspotusercontent-na1.net/hubfs/19651629/11.22.24_Kendall%20Dilley.mp4/medium.jpg?t=1761927945432", "uploadDate" : "2024-12-04T15:47:44.024Z", "width" : 1502 } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://blog.vineyardglobaladvisors.com/media-transcripts/148048321559/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://19651629.fs1.hubspotusercontent-na2.net/hubfs/19651629/Video/vga-the-winemaking-analogy.mp4", "dateModified" : "2025-10-31T16:20:29.472Z", "duration" : "PT2M14S", "height" : 2160, "name" : "vga-the-winemaking-analogy", "thumbnailUrl" : "https://19651629.fs1.hubspotusercontent-na1.net/hubfs/19651629/Video/vga-the-winemaking-analogy.mp4/medium.jpg?t=1761927629472", "uploadDate" : "2023-12-01T01:20:21.904Z", "width" : 3840 } ```