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please stay tuned for important disclosure information at the conclusion of this episode welcome to the investing insights podcast from morningstar in this weeks podcast christine benz encourages investors to prioritize creating policy statements this month russ kennel uncovers which funds investors are selling in 2021 christine ben shows retirees how to assess their portfolios and ben johnson tells us everything we need to know about thematic funds lets get started here are christine benz and susan jabinski from morningstar inc hi im susan chabinski with morningstar morningstars director of personal finance christine benz has created a month-by-month financial to-do list for 2021. shes here today to talk with us about our to-dos for june which are creating policy statements for our investment and retirement plans christine thank you for joining us today susan its great to see you so youre a big advocate of creating investment and retirement policy statements whats the value