Group 1 - REITs (XLRE) have faced challenges due to prolonged high interest rates over the past three years, leading to underperformance in the sector [1] - Investors who purchased REITs at favorable prices may currently be experiencing positive returns [1] Group 2 - The article emphasizes the importance of due diligence for investors, particularly in the context of dividend investing in quality blue-chip stocks, BDCs, and REITs [1] - The author aims to assist lower and middle-class workers in building investment portfolios focused on high-quality, dividend-paying companies [1]