| Category/Sector | Fund | Why It Works in Downturns | Stability Level |
|---|---|---|---|
| Utilities | Fidelity Utilities Fund (FSUTX) | Regulated revenue streams, essential services, low earnings volatility | Very High |
| Utilities | Columbia Seligman Utilities (SUIAX) | Stable cash flows and consistent dividend payouts | Very High |
| Staples | Fidelity Consumer Staples Fund (FDFAX) | Non-discretionary demand for food, beverages, and household goods | Very High |
| Staples | Vanguard Consumer Staples Fund (VCSAX) | Strong global brands with pricing power in recessions | Very High |
| Healthcare | Fidelity Select Healthcare (FSPHX) | Non-discretionary medical demand remains stable in downturns | High |
| Healthcare Growth/Blend | T. Rowe Price Health Sciences Fund (PRHSX) | Strong secular demand for medical innovation and services | High |
| Large Cap Value / Dividend | Fidelity Equity-Income Fund (FEQIX) | High-quality dividend stocks reduce drawdowns in market stress | High |
| Dividend Value Equity | T. Rowe Price Equity Income Fund (PRFDX) | Historically strong downside protection in recessions | High |
| Deep Value Large Cap | Dodge & Cox Stock Fund (DODGX) | Value bias provides resilience during market stress cycles | High |