"This month we are beefing up our Northern exposure with a Canadian bank: Toronto-Dominion (TD)," says growth and income specialist Stephen Leeb.

The editor of The Complete Investor explains, "Financial institutions offer leveraged exposure to the entire economic system. With Canada's upside greater than most, adding another bank makes good sense. By total assets, market cap, and adjusted net income, Toronto-Dominion is Canada's second-largest bank.

"And it's not only a force to reckon with in Canada, it has a large and growing presence in the U.S., where it ranks among the top 15 banking companies. It also has the distinction of being one of only three Aaa-rated banks on the NYSE and was the rare bank to not cut its dividend during the financial crisis.

"Residential real estate is still struggling, and the worst may still lie ahead for commercial properties; but one type of real estate has stayed well shielded from market forces in the last several years," says Stephen Leeb.

The editor of Income Performance Letter explains, "Aging Americans cannot easily delay seeking necessary medical and living-assistance care, regardless of the economy. So we now recommend Health Care REIT (HCN), a real estate investment trust has some 600 properties that focus primarily on senior housing and health-care properties.

"Now that health care reform has become law, what will it mean for investors in health care-related companies? One company that is likely to be among the biggest beneficiaries is Teva Pharmaceutical (TEVA)," says Stephen Leeb.

The editor of The Complete Investor explains, "With 32 million Americans gaining health insurance coverage , the reform package is certain to accelerate the growing use of generic drugs, a trend rooted both in demographics and in the push to cut costs.

"Generic drugs already benefit from our aging population, who take more drugs by the year. The additional numbers of insured Americans will mean a surge in people able to afford medications (and to see the doctors that prescribe them).

"Qualcomm (QCOM), a $63 billion San Diego-based company, has become that rare creature: a true technology franchise," says growth stock expert Stephen Leeb.

In his The Complete Investor, he explains, "With more than 11,600 U.S. and 54,100 international patents and patent applications, Qualcomm is the leader in wireless technology, supplying semiconductor chips to a huge array of wireless companies - from mobile phone companies to notebook computer manufacturers - around the world as well as licensing its technology for a fee."

"How can you get the income and growth you need while keeping your risk down?" asks Philip Springer, noting "The two areas of the financial markets we would emphasize now are the stocks and bonds of financially strong companies with dominant global businesses."

The contributing editor to Stephen Leeb's Income Performance Letter explains,"In general, these companies offer the best values in both the stock and bond markets, in the wake of 2009's exuberance. And this category will hold up better than most when the markets undergo their long overdue price corrections.

"The Manning & Napier World Opportunities fund-rated five stars by Morningstar and ranked in the top one percentile for the past 10-year stretch-is a large-cap foreign blend fund that invests mainly in developed countries, particularly in Western Europe; thus its increasingly hefty stake in the relatively small Chinese technology company Mindray Medical International (MR), one of just two Chinese stocks it owns, is striking," suggests Stephen Leeb.

The editor of The Complete Investor explains, "The fund began accumulating Mindray shares in 2009's second quarter; as of November it owned 2.5 million shares, representing a 1.6 % weighting.

"We are adding Qualcomm (QCOM) to our growth portfolio due to its technology franchise," says Stephen Leeb.

The editor of The Complete Investor explains, "Its business centers around patents regarding wireless technology, with many related to the CDMA mobile communication platform. In fact, over 25 years of research and development have translated into a portfolio of approximately 11,600 U.S. and 54,100 international patents and patent applications.

During the California gold rush, miners weren't the only ones to strike it rich. "So did purveyors of essential equipment like axes and shovels," notes Stephen Leeb.

In his The Complete Investor, the advisor explains, "Today a gold rush of sorts is on to develop products using nanotechnology -- materials built at the molecular scale. And the safest path to riches is once again the equipment sellers." Here's a look at FEI Co. (FEIC).

"To beef up our already strong collection of natural resource plays, we're adding Australia's BHP Billiton (BHP) to the mix," says long-term growth stock expert Stephen Leeb.

In The Complete Investor, he explains, "This $175 billion company is the largest mining company in the world and makes up some 14% of Australia's market index. It's truly the big fish in resource-rich Australia's ocean-sized pond."

"With more than 100 operations in 25 different countries, BHP produces a huge array of commodities and has a geographically diverse footprint to boot.

"We're adding Brazil's Vale S.A. (NYSE: VALE), the world's leading iron ore producer, to our model growth portfolio," says growth stock expert Stephen Leeb.

In his The Complete Investor, he explains, "This outstanding company offers investors simultaneous stakes in two key areas: iron ore-a commodity essential to any and all infrastructure projects-and Brazil's appreciating currency, the real.

"When it comes to understanding the importance of a commodity such as iron ore, the tale starts with China. Even with China's GDP growth again approaching double digits, the Chinese government continues to aggressively promote growth, offering consumers incentives to buy cars and investing in infrastructure, from roads to bridges to sewers to energy plants.

"The health care picks in our growth portfolio should prosper whatever the outcome of the raging health care debate," suggests growth stock specialist Stephen Leeb.

In The Complete Investor, he explains, "That's because they're leveraged to demographic realities, and in particular to the tide of aging baby boomers," Here, he reviews on portfolio holding -- Teva Pharmaceuticals (NASDAQ: TEVA).

Leeb says, "Israel-based Teva Pharmaceutical is the world's largest manufacturer of generic drugs. Capitalized at $49 billion, Teva pulled in some $11 billion in revenues in 2008, with generic drugs contributing more than two-thirds of those sales.

"CVS Caremark (NYSE: CVS), the nation's largest U.S. drugstore chain, remains a buy in our model growth portfolio," says Stephen Leeb.

In his The Complete Investor, he explains, "Business at CVS has been resilient. In the second quarter, revenue growth was up 22% for its pharmacy benefits management (PBM) business and 17% for retail operations.

"Total sales, almost evenly divided between the two segments, rose 18% to $24.9 billion. Earnings of $886.5 million, or 60 cents a share, were 13% higher than in the year-earlier period and beat consensus estimates by a penny.

"One way to protect yourself in a difficult market environment is to buy shares in low-risk, blue chip companies; one outstanding examples is Microsoft (NASDAQ: MSFT)," suggest Kuen Chan & David Sandell.

In The Complete Investor, they explain, "The company is safe, strong, and able to grow even in a weak economy. It also has more than $25 billion in cash and equivalents and almost no debt."

"Microsoft is near ubiquitous in the computer world. Some version of its Windows operating system runs on roughly 90% of all personal computers, while its Office Suite programs have more than 550 million users.

"Several global utilities offer excellent growth potential while throwing off moderate income," says Stephen Leeb in Income Performance Letter. Here's a look at a pair of Brazilian utilities.

"We particularly favor two companies in Brazil. The economy appears to be on the mend from the global financial crisis and should be expanding at a 5% pace again by 2010.

"Brazil's prosperity is translating into greater consumption of electricity and water. Two major beneficiaries are our Growth & Income holdings CPFL Energia (NYSE: CPL) and Companhia de Saneamento Basico do Estado de Sao Paulo (NYSE: SBS), known as SABESP for short.

"Wal Mart Stores (NYSE: WMT), the world's largest retailer, with $405 billion in revenues last year, has remained remarkably strong during the recession even as other retailers have floundered," says Stephen Leeb.

In his The Complete Investor, he explains, " Its low prices have lured more customers, while its product line-up emphasizes items seldom cut from consumer budgets, such as food and health care products." Here's his review.

"Its Wal-Mart stores draw an estimated 100 million people a week, explaining why the company dominates the U.S. supermarket industry, with a better than 25% market share. The company also sells under numerous other names, including Sam's Club.