For the Holidays, Forget Retail Stocks

NEW YORK (TheStreet) -- We've got enough decisions to deal with during the holiday season, so why complicate it even more by trying to decide which retailer to buy? 

J.C. Penney (JCP) has been so beaten up, any positive news could pop it higher, but will that news come? Are people buying shoes at Foot Locker (FL)? If so, are the shoes Nike (NKE) or Under Armour (UA)? Will Microsoft (MSFT) end up surprising analysts with stronger-than-expected tablet sales? 

Eliminate the what ifs and increase your odds at predicting the holiday winner. Here's why: One cannot possibly do enough channel checks to accurately figure out where the entire country is doing its shopping and the analysts aren't dependable enough for us to trust their "research." 

Instead, make it easy on yourself, buy Visa (V) and Mastercard (MA). 

This way, you don't need to predict where consumers are shopping, so long as they are shopping. With lower gas prices and higher online sales, it only increases the likelihood that Visa and Mastercard will be this season's holiday winners. 

[Read: Bad Credit Card Rewards Programs]

Visa and Mastercard are ideal because they don't just act as solid trading vehicles for a strong holiday season but also represent viable investments over the long-term. 

Visa became unusually volatile in August but has since started to regain the slow-but-sure grind higher that so many investors enjoyed for years. 

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