This Is the Change Social Security Retirees Will Be Most Excited About Next Year
-->-->Key PointsSocial Security is expected to undergo a number of changes in 2026.The program’s maximum benefit should increase, as well as its earnings test limit.Of all of the change anticipated, retirees are no doubt most excited to get a boost to their monthly checks.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->October could potentially be a huge month for Social Security. If things go off without a hitch, the Social Security Administration is scheduled to announce a number of key changes to the program later this month.Some of those changes include:A new maximum monthly benefitA new earnings-test limit, which applies to some seniors who work and collect Social Security at the same timeA new earnings requirement for work creditsA new wage capNot every change is one people will be happy about. A higher wage cap, for example, will require higher earners to open their wallets and pay into Social Security even more. A new maximum monthly benefit, on the other hand, is something to celebrate.But there’s one change retirees on Social Security are apt to be very excited about in the new year. It’s a change that could have a huge impact on their day-to-day finances.What will 2026’s cost-of-living adjustment look like?Each year, Social Security benefits are eligible for a cost-of-living adjustment, or COLA. COLAs are supposed to protect retirees from inflation by allowing Social Security benefits to rise as living costs increase.In 2025, Social Security recipients got a 2.5% COLA. But so far, experts are calling for a larger Social Security COLA in 2026 — one that could come in at 2.7% or even higher, depending on how much inflation picked up in September.The reality is that many retirees live paycheck to paycheck, with Social Security being their only paycheck. A larger COLA in 2026 could be a huge help to people who need the extra money to keep up with their costs.A 2.7% COLA, or something in that vicinity, could also be great news for seniors for another reason — it’s a larger bump than 2025’s raise, but it’s also not so incredibly large.A very generous COLA — say, one in the 5% or 6% range — would be an indication of surging inflation. That could be dangerous for seniors and Americans as a whole.A moderate but reasonable COLA in the ballpark of 2.7% means that inflation is still pretty modest. That’s a good thing for people who don’t have a lot of wiggle room in their budgets.It’s best not to rely too heavily on Social Security COLAsWhile the 2026 COLA may be the most eagerly anticipated Social Security change for the new year, the reality is that relying on those raises a lot isn’t the best thing. COLAs have long failed to help Social Security recipients keep pace with inflation, even though that’s precisely what they’re designed to do.A better idea is to have some income outside of Social Security to supplement those checks. That income could come from a variety of sources, such as:An IRA or 401(k)A part-time jobAn annuityRenting out a room in your homeWith any luck, 2026’s Social Security COLA is one retirees will be happy with. And chances are, they’ll care more about that change than any other. But it’s important to recognize that Social Security COLAs typically only go so far, and to not bank too heavily on next year’s raise, no matter what it amounts to.If You have $500,000 Saved, Retirement Could Be Closer Than You Think (sponsor)Retirement can be daunting, but it doesn’t need to be. Imagine having an expert in your corner to help you with your financial goals. Someone to help you determine if you’re ahead, behind, or right on track. With SmartAsset, that’s not just a dream—it’s reality. This free tool connects you with pre-screened financial advisors who work in your best interests. It’s quick, it’s easy, so take the leap today and start planning smarter!Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)
When the Market Collapses, This Is the Stock to Own
So far this year, Altria Group Inc. (NYSE: MO) has offered a benefit that is relatively unusual for high-yield stocks. The share price has risen 26% since the start of the year. The S&P 500 is 14% higher in that time. Megacap tech companies are considered the stock market leaders this year. However, Amazon.com Inc. (NASDAQ: AMZN) remains flat in 2025, and Apple Inc. (NASDAQ: AAPL) is up 2%.-->-->24/7 Wall St. Key Points:Altria Group Inc. (NYSE: MO) is probably the safest high-yield stock.The tobacco company has raised its dividend annually for over 50 years.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Loading stock data...Among the stocks that pay large dividends, Altria is also the safest, based on its long-term performance. Its 6.45% yield is based on a forward dividend of $4.24. Over the past 56 years, it has raised its dividend 60 times. The median age of Americans is 39 years.In terms of decades-long high yields, the two most often mentioned in the same breath as Altria are Dow Inc. (NYSE: DOW) and Pfizer Inc. (NYSE: PFE). Pfizer’s stock is down 10% this year. Dow’s is down 42% this year, and it recently cut its dividend.In total, Altria has paid out $32 billion in dividends over the fiscal years 2020 to 2024. It has also purchased $8 billion of its shares during the same period.In the most recently reported quarter, Altria’s revenue was down 6% to $5.3 billion. However, its adjusted diluted earnings per share (EPS) were up 6% to $1.23. It affirmed its guidance of a 2% to 5% increase in EPS for the full year. Its success in the most recent quarter came from its legacy business: Billy Gifford, Altria’s chief executive officer, commented, “Our highly profitable traditional tobacco businesses performed well in a challenging environment in the first quarter.”Almost all of Altria’s revenue comes from sales of cigarettes, and there is a theory that many investors are hesitant to buy its stock for this reason. However, the dividend is a significant incentive to offset that.Another Reason to InvestAnother reason to consider investing in Altria is the potential risk to the global economy. People typically do not cut back on cigarette smoking in tough economic times. Altria’s dividend is unlikely to disappear, as the company’s balance sheet is excellent.The stock market has become perilous, according to those who believe it has reached its peak. President Trump has threatened to impose high tariffs on imports from several major nations, which could drive up U.S. inflation. His latest threat is a 30% tariff on Mexican imports. Mexico is the second-largest trading partner of the United States.An increase in tariffs and the effects on inflation mean American consumers’ buying power will be hit. That, in turn, threatens U.S. gross domestic product (GDP). Under those circumstances, Altria may be the best stock to own. That is, if investors can ignore its tobacco business.Altria Stock Price Prediction and Forecast 2025-2030If You’ve Been Thinking About Retirement, Pay Attention (sponsor)Retirement planning doesn’t have to feel overwhelming. The key is finding expert guidance, and SmartAsset’s simple quiz makes it easier than ever for you to connect with a vetted financial advisor. Here’s how:Answer a Few Simple Questions. Get Matched with Vetted Advisors Choose Your Fit Why wait? Start building the retirement you’ve always dreamed of.Get started today! (sponsor)
2 Safer Dividend Stocks to Buy Before October Volatility Strikes
-->Key PointsGIS and SBUX stand out as deep-value options for investors looking for value in today’s arguably rich market.GIS and SBUX have ongoing turnaround plans and they could show signs of paying off going into the new year.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Who would have thought that September would be such a good month for stocks? It’s typically the nastiest month of the year for market returns, but things were different this year. Before you look to buy stocks while breathing a sigh of relief now that September has ended, it’s the month of October that also tends to be not such a great year for markets. Indeed, a good September might pave the way for tougher sledding as the weather (and maybe the market weather) gets a bit chillier.With some brilliant investors, such as Leon Cooperman and Jeremy Grantham, raising concerns about the longevity of the current market rally, it’s natural to want to be a net seller of stocks now that the fourth quarter has arrived. Whether we’re in the “latter innings,” somewhere in the middle, or closer to the start, I think it’s just a good idea to be ready to play some defense, well ahead of time.Indeed, perhaps going for some safer dividend stocks well ahead of a volatility spike could make a lot of sense. With the U.S. government shutdown causing ripples in the market waters to start the month, it might be time to check in to see how the market’s lower-beta names are faring. Here are three names that could prove to be the best defensive bets this fall:General MillsGeneral Mills(NYSE:GIS) shares probably couldn’t be bothered by a government shutdown or a return of market-wide volatility. Shares of the consumer packaged foods firm have been stuck in a multi-year bear market, now down close to 44% from its 2023 all-time high.Undoubtedly, the cereal maker has some serious headwinds weighing down quarterly sales and, of course, the share price. Despite the challenges, management is confident that it can turn a corner as the consumer feels a bit of a pinch at the grocery store’s middle aisle.New products and marketing might be able to jolt sales, but until a quarter delivers a big upside surprise (the last quarter was good, but not good enough for investors), GIS shares stand out as a show-me story. For those with the patience to stick around, there’s a nice 4.9% dividend yield to collect. And with a beta close to zero (it’s actually slightly negative), there might be shelter from the next market storm.StarbucksStarbucks(NASDAQ:SBUX) stock has actually shed around 2% of its value in the past five years. Undoubtedly, it’s been a rough patch amid a pressured consumer. Still, the ailing Seattle coffee shop chain has one big thing going for it: CEO Brian Niccol. Indeed, Mr. Nichol is a great turnaround artist who will probably pull it off again. For now, investors need to give the man more time to get the job done. With 900 job cuts and plans to close hundreds of stores, Starbucks’ turnaround seems well underway.With a strong, premier brand, I do view Starbucks as a company that will boom once consumer sentiment booms again. Pumpkin Spice season and new plans to beef up the protein lineup might just help fuel a resurgence unlike any other. In the meantime, shareholders can treat themselves to a nice 2.93% dividend yield while they wait for a sustained rally. The stock is still down around 33% from its all-time high hit all the way back in early 2021.Though Starbucks isn’t exactly what most would consider a “safer” stock, I find it to be a fantastic value that’s severely oversold, with catalysts that could spark a turnaround, even if the market is ready to run into a few October roadbumps.If You have $500,000 Saved, Retirement Could Be Closer Than You Think (sponsor)Retirement can be daunting, but it doesn’t need to be. Imagine having an expert in your corner to help you with your financial goals. Someone to help you determine if you’re ahead, behind, or right on track. With SmartAsset, that’s not just a dream—it’s reality. This free tool connects you with pre-screened financial advisors who work in your best interests. It’s quick, it’s easy, so take the leap today and start planning smarter!Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)
Trump’s $1 Trillion Military Blitz: 2 More Defense Stock Winners to Buy Now
-->-->Key PointsPresident Trump’s $1.01 trillion defense budget proposal marks a 13% increase for 2026.The plan focuses on cyber, space, AI, and hardware to counter global threats.While the world’s largest defense contractors will get big wins, other defense stocks will also benefit substantially.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->President Trump has proposed a $1.01 trillion defense budget for fiscal year 2026, marking a 13% increase from the previous year’s enacted levels. This boost targets strengthening U.S. military readiness against global threats, with key allocations for cyber security, space capabilities, AI integration, and equipment upgrades. For defense contractors, this means expanded opportunities in procurement and research and development, potentially adding billions of dollars in contracts over multiple years. The plan prioritizes naval fleet growth, missile systems, ground vehicles, and advanced electronics to maintain strategic edges.While the three largest U.S. defense contractors —Lockheed Martin(NYSE:LMT),RTX(NYSE:RTX), andNorthrop Grumman(NYSE:NOC) — will secure large portions through flagship programs such as fighters and bombers, the spending surge creates broader gains. This could enhance revenues, support stock rallies, and provide predictable income streams amid economic uncertainties. Although risks to the final tally approved include budget debates in Congress, approval seems likely given bipartisan support for defense. That means the two defense stocks below also stand to benefit from this plan.General Dynamics (GD)General Dynamics(NYSE:GD) operates across marine systems, combat vehicles, and IT services, positioning it well for the budget’s focus on shipbuilding and land forces.Its Electric Boat division handles Virginia-class submarines, expected to see increased orders as the Navy aims to expand its undersea fleet. Bath Iron Works contributes to destroyer programs like Arleigh Burke, directly tied to naval modernization funds. On the ground side, GD’s Abrams tanks and Stryker armored fighting vehicles benefit from army upgrades — a recent $202 million follow-on contract signal steady order flow — especially with ongoing needs in Ukraine and potential Middle East escalations. The IT arm gains from cyber and data analytics investments. Loading stock data...General Dynamics’ market cap stands at $92.4 billion, with a trailing P/E of 23 and year-to-date gains of 30%. Wall Street currently has a consensus hold rating on GD stock and a $340 per share price target, implying it is fairly valued at $343 per share. Yet investors should still buy now due to its existing $95 billion backlog that gives it earnings stability Geopolitical tensions amplify demand, making GD a reliable hold for growth. Beyond military hardware, General Dynamics also has a civilian aerospace division in Gulfstream that diversifies its revenue and mitigates some of the risks associated with pure defense plays. Analysts forecast 11% to 12% EPS growth over the next two years, driven by margin expansions from supply chain efficiencies. With a 1.8% dividend yield and 34-year payout history, GD offers additional appeal to income-focused investors eyeing long-term stability in a volatile sector.L3Harris Technologies (LHX)L3Harris Technologies(NYSE:LHX) specializes in communications gear, sensors, and space systems, aligning with the budget’s emphasis on electronic warfare and missile defense. Its tactical radios and night vision tech support integrated defenses, while space sensors aid satellite programs. The company stands to gain from drone countermeasures and secure networks, areas with proposed funding hikes. LHX recently upped 2026 revenue targets to $23 billion, backed by a $34 billion backlog and $1.2 billion in cost savings from efficiency drives. Loading stock data...With a market cap of $55.4 billion and a forward P/E of 18 for a stock trading at $297 per share, consider buying now as strong cash flows enable dividends and acquisitions, plus NATO spending trends boost international sales. LHX’s tech focus offers high-margin growth in a trillion-dollar environment.The firm’s Aerojet Rocket Engines acquisition enhances propulsion capabilities for hypersonic and missile projects, which are key budget priorities. International exposure, at 20% of sales, also benefits from allied nations’ rearmament, including a $1.1 billion contract with Netherlands in March for communications systems. Free cash flow hit $2.1 billion last year, funding R&D in AI-driven sensors. With a beta of 0.7, LHX provides lower volatility than peers, ideal for balanced portfolios seeking defense upside without excessive swings.If You have $500,000 Saved, Retirement Could Be Closer Than You Think (sponsor)Retirement can be daunting, but it doesn’t need to be. Imagine having an expert in your corner to help you with your financial goals. Someone to help you determine if you’re ahead, behind, or right on track. With SmartAsset, that’s not just a dream—it’s reality. This free tool connects you with pre-screened financial advisors who work in your best interests. It’s quick, it’s easy, so take the leap today and start planning smarter!Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)
IBM Is America’s Worst Tech Company
International Business Machines Corp. (NYSE: IBM) was the latest company, American or otherwise, to cut an artificial intelligence (AI) deal. This was a less-than-modest arrangement with Anthropic. It allows business customers access to Anthropic’s Claude AI model. The deal will enable IBM software to access an advanced AI tool. Many of IBM’s customers are large companies.-->-->24/7 Wall St. Key PointsIBM is the latest company, American or otherwise, to cut an artificial intelligence deal.However, it is too small to be a significant player in the new AI landscape.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->The deal stands out as less than mediocre when large tech companies and larger AI companies are cutting deals worth tens of billions of dollars. OpenAI and Nvidia have been forging partnerships across the tech world, with deals that rank among the largest in tech history.Loading stock data...The market does not regard IBM as a significant player in the new AI landscape. Its stock is up 36% this year. By contrast, Advanced Micro Devices Inc. (NASDAQ: AMD) is up 92% because of a partnership with OpenAI. Oracle Corp. (NYSE: ORCL) shares are up 72% in part due to a $300 billion deal that includes OpenAI to build out infrastructure.IBM is still, and has been for years, too small to matter as a partner. This is reflected in its market cap, which is $270 billion. Oracle is valued at $882 billion, and AMD, which Nvidia dwarfs in the AI chip business, has a market capitalization of $383 billion.IBM lost whatever clout it had decades ago. In 1980, IBM ranked ninth on the Fortune 500, America’s largest companies based on revenue. Since then, it has missed the opportunity to lead in personal computers, PC operating systems, e-commerce, tech operating systems, search, and, more recently, AI. It is hard to find a tech company that lost that many chances to be a leader.Aside from a tiny market cap, it has tiny revenue. In the most recent quarter, the company reported revenue of $17 billion and net income of $2.2 billion. In its most recent quarter, the AI sector leader, Microsoft Corp. (NASDAQ: MSFT), had revenue of $76.6 billion and net income of $27.2 billion.IBM is too small to play an important role in the future of AI.Could This Quantum Computing Stock Be the Next Nvidia?If You’ve Been Thinking About Retirement, Pay Attention (sponsor)Retirement planning doesn’t have to feel overwhelming. The key is finding expert guidance, and SmartAsset’s simple quiz makes it easier than ever for you to connect with a vetted financial advisor. Here’s how:Answer a Few Simple Questions. Get Matched with Vetted Advisors Choose Your Fit Why wait? Start building the retirement you’ve always dreamed of.Get started today! (sponsor)
Billionaire Bill Nygren Bought These Cheap Stocks in Q2
-->-->Key PointsWBD, ABNB, and CRM are magnificent value bets that Bill Nygren’s fund picked up in Q2.The markets might be expensive, but Nygren’s latest Q2 bests are full of value options!Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Legendary billionaire investor Bill Nygren and his team over at the Oakmark Select fund made quite a few notable moves in the second quarter. Many of the buys were not only intriguing, but seemed to scream of value. Given he’s a value investor who’s not shy away from some of the more unloved corners of the market, the following second-quarter bets shouldn’t come across as too surprising.Either way, I think the names are worth stashing on a radar or even buying if you’re able to achieve a more desirable entry point going into year’s end. At this juncture, though, it doesn’t look like the market is all too upset about the U.S. government shutdown. Not with that recent rate cut dealt by the Fed and hopes for more in the coming months.Either way, don’t let market-wide overvaluation concerns deter you from picking the value stocks that do exist out there. In this piece, we’ll check in on three cheap-looking stocks that Nygren’s fund recently shed a bright light on. I’m tempted to pursue them in the fourth quarter, especially if there’s a pullback by the time the holiday season rolls around.Warner Bros. DiscoveryLoading stock data...Warner Bros. Discovery(NYSE:WBD)just so happened to be one of the best performers of the third quarter. So, hats off to Nygren and Oakmark for picking such a timely winner in the second quarter. Indeed, shares of the hard-hit media firm clocked in some very strong earnings. As things look up for streaming and the box office (the Minecraft movie was a hit), it’s tempting to pursue the Q3 winner, even though the price of admission has gone way up since Nyrgren likely bought.Add the recent Paramount Skydance merger talks into the equation, and the case for buying in the high-teens, I think, still makes a lot of sense. Indeed, it took some time for the merger to start showing promise. Now that there’s upside momentum behind the name and the potential for further industry consolidation, I continue to view shares as a very interesting, even after gaining more than 72% in the past three months.AirbnbLoading stock data...Airbnb(NASDAQ:ABNB)wasn’t quite the Q3 winner that WBD was. In fact, it’s actually down around 12% in the past three months, providing value investors a second window of opportunity to pick up a few shares of the alternative accommodations kingpin. Of course, there’s no easy solutions for Airbnb, which has gone nowhere for a few years now.With recent pressures hitting consumers, one would think Airbnb would be an easy sell, given it’s a travel play that hasn’t been working all too well. In any case, lodging won’t stay in a funk forever. And for investors who can get in at a depressed multiple, I do think the long-term risk/reward is looking too good to pass up.For value investors who have time to wait for things to play out, I like the name, perhaps a bit more than WBD. With shares going for 24.8 times forward price-to-earnings (P/E), I like the sticker price for the wide-moat firm that’s well-positioned to boom once consumers are ready to spend again.SalesforceLoading stock data...Salesforce (NYSE:CRM)is a cloud software stock that’s been really left behind as AI has powered many of its tech peers higher in recent quarters. The stock has lost more than a third of its value from its late-2024 peak, and things don’t seem to be looking all too upbeat, not after the post-earnings guidance dealt out in the last quarter. Indeed, Marc Benioff needs to start showing his investors what Agentforce is truly capable of.Indeed, the agentic AI platform may still be in its early innings, but sooner or later, it’s going to need to post numbers that get investors excited enough to buy the stock. Sooner or later, investors will run out of patience and go for one of the AI plays that’s working.With Nygren initiating a new position in the firm, I do think that it’s time to view Benioff’s empire as a deep value option with underrated AI tailwinds. At 18.8 times forward P/E, CRM stock has arguably never been this cheap! It’s a name like Salesforce that leads me to believe that maybe we’re not in an AI bubble, after all!In any case, if Agentforce can accelerate adoption, I think its stock could really surprise investors in 2026.Get Ready To Retire (Sponsored)Start by taking a quick retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes, or less.Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.Here’s how it works:1. Answer SmartAsset advisor match quiz2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future.
GME vs. AMC: Which Fallen Meme Stock Could Spike Once Again?
Gamestop(NYSE:GME) orAMC Entertainment(NYSE:AMC)? It’s been a while since the meme stock frenzy of 2021, but, believe it or not, there are still traders out there who are more than inclined to continue holding (or should I say “HODL”ing) their shares of Gamestop and AMC Entertainment, two names that are pretty much synonymous with meme trading and short squeezes at this point.Though I wouldn’t look to punch a ticket at these levels, I certainly wouldn’t dare initiate a short position. Indeed, if the meme frenzy of 2021 taught us anything, it’s that betting against even a seemingly sure thing is a dangerous proposition that might just lead to uncapped losses. Between going long and going short, I’d much rather go for the former any day of the week.-->-->Key PointsThe meme frenzy may be on pause, but many are hanging onto their GME and AMC shares, perhaps for the fundamentals or maybe as a ticket to another potential frenzy.GME and AMC are meme stocks that have gone quiet in recent quarters. But is either one worth buying for the fundamentals?Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->So, could either GME or AMC shares spike again?Of course, betting on shares of GME or AMC at these levels probably won’t get you the kind of jolt you’re looking for unless, of course, you think Roaring Kitty will have more to roar about these beloved but challenged businesses.Indeed, owning a stock just because you think someone else will scoop it up is a risky move. But if you’re a frequent poster on the WallStreetBets subreddit and you’re looking for karma, nibbling on a few shares might offer some thrill. Though I would be very surprised if substantial profits were in the cards for the trader with the so-called “diamond hands.”I have absolutely zero idea. Of course, in theory, it is possible for either name to power higher if a meme frenzy were to restart. Indeed, in today’s red-hot market, the appetite for speculation seems to be in a good spot.GamestopIn any case, GME stock exploded higher, seemingly from out of nowhere, back in the spring of 2024. From trough to peak, shares of GME spiked nearly 400% in just weeks. And, as always, the spike led to a painful drawdown.Though shares are only down about 50% from the May 2026 peak. Of course, the short-lived rally was nowhere near as explosive as the great short squeeze of 2021. Personally, I think a 2021-esque surge is out of the cards. The big question for investors is whether a mini-spike like the one enjoyed last year will be on the table. There is a chance, but, of course, nobody knows when the next bounce will happen.If you’re looking to buy because you simply like the business, perhaps there are better alternatives out there since, on a fundamental basis, Gamestop does not look cheap at more than 30 times trailing price-to-earnings (P/E). Not in the slightest. Of course, the special dividend is a nice reward for those who’ve committed to stand by their shares, but pending a transformative turnaround, I’d reset my expectations with the name as the price action still seems divorced from the fundamentals.AMC stockAMC Entertainment is another beloved business that’s run into trouble in recent years. Shares now go for less than $3 per share, and while the $1.5 billion theatre play may be reportedly collaborating with Taylor Swift on a new event, I’m not sure if anything other than a red-hot box office boom or return of Roaring Kitty could spark a swift reversal in the stock.Like Gamestop, it’s tough to justify buying based on the fundamentals. As the firm chips away at its debt while narrowing its losses, perhaps there might be a bull case emerging for the name in a few quarters.Either way, the cigar-butt of a stock stands out as a high-risk buy, but if forced to pick between GME and AMC, I’d have to go with the movie theatre firm. Sure, both firms offer ample nostalgia, but only AMC, I think, implies value at these levels while shares are going for around 0.26 times price-to-sales (P/S). Sure, AMC is challenged, but the price of admission is pretty much at the floor.Get Ready To Retire (Sponsored)Start by taking a quick retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes, or less.Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.Here’s how it works:1. Answer SmartAsset advisor match quiz2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future.
OpenAI Is Worth More Than Exxon
The value of AI leader OpenAI jumped to $500 billion based on stock sales by employees that total $6.6 billion. That makes OpenAI more valuable than oil giant Exxon Mobil Corp. (NYSE: XOM), which is one of the most valuable companies in the world. However, one key difference is that OpenAI’s revenue this year is expected to be $16 billion, while its losses are expected to exceed $8 billion. Projections have Exxon’s revenue at approximately $345 billion in 2025, and its net income will exceed $30 billion.-->-->24/7 Wall St. Key Points:OpenAI is more valuable than Exxon Mobil Corp. (NYSE: XOM), one of the most valuable companies in the world.Both companies face different challenges going forward.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->The comparison between Exxon and OpenAI is not unlike the comparison between Tesla Inc. (NASDAQ: TSLA) and Ford Motor Co. (NYSE: F). Tesla’s market cap is $1.53 trillion, and Ford’s is $48 billion. Tesla makes money. Despite Ford’s overall large profits, it has spent tens of billions of dollars on building its electric vehicle (EV) business and will lose another $5 billion on it this year. Tesla will sell 1.6 million EVs in 2025. Ford will sell fewer than 100,000 in the United States. It has virtually no EV sales outside the country.Loading stock data...The valuations of the four companies are based on a single assumption. Exxon and Ford are mired in the 20th-century economy. Tesla and OpenAI are among a select group of companies expected to grow at extraordinary rates over the next decade.The two future-focused companies have a major challenge. One is how they fund growth. OpenAI is expected to lose $115 billion through 2029. Tesla will invest heavily in its new self-driving technology, artificial intelligence (AI) advances, and robotics business. While Tesla generates small revenue from its self-driving software, it makes no money from its latest programs.Despite the shaky China sales and EV sales problems in the United States, Elon Musk has convinced many investors that Tesla is not just a car company. That means its $1.52 trillion market cap is based chiefly on developments that may not happen. Ford is one of three companies that dominate the combustion-engine car business in America, which is likely to be highly successful for the years, particularly now that the federal government has eliminated the $7,500 EV purchase tax credit. Gasoline-powered cars likely will outsell EVs in the U.S. for years, and possibly for another decade.Projections for the year of peak oil, when the world’s use of crude oil begins to decline, have been pushed out to 2040. One reason oil will be in demand for the next several years is that there could be an energy deficit worldwide, primarily due to the amount of electricity AI server farms consume.Musk’s xAI Now Worth $200 BillionSome investors see the value of OpenAI and Tesla as a bubble. People and companies will utilize AI, but they may not be willing to pay significantly for AI-based products. At least Ford and Exxon can say they are among the world’s largest companies based on revenue, and their business models will likely survive (albeit eventually fading) for decades to come.If You’ve Been Thinking About Retirement, Pay Attention (sponsor)Retirement planning doesn’t have to feel overwhelming. The key is finding expert guidance, and SmartAsset’s simple quiz makes it easier than ever for you to connect with a vetted financial advisor. Here’s how:Answer a Few Simple Questions. Get Matched with Vetted Advisors Choose Your Fit Why wait? Start building the retirement you’ve always dreamed of.Get started today! (sponsor)
Is Rigetti, IonQ, or D-Wave The Next 10x Stock?
-->-->Key PointsRGTI, IONQ, and QBTS are the quantum trio that have skyrocketed in recent months.I wouldn’t chase the latest melt-up and would instead concentrate on the pullback risks rather than the upside potential in a bull-case scenario.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->The quantum computing stocks have been on an incredible run, and while there’s been no shortage of volatility and bear market moments on the road higher, the quantum trade, which consists of top stocks such asRigetti Computing(NASDAQ:RGTI),IonQ(NASDAQ:IONQ), andD-Wave(NASDAQ:QBTS), has been melting up in vicious fashion. Indeed, the quantum trade is perhaps the only thing hotter than the AI plays right now. But time will tell if the tables turn against the top quantum computing stocks again, as they have numerous times in the past.In a tough Thursday of tech trading, shares of RGTI rocketed 9% higher, while IONQ and QBTS went on to surge 4.3% and 2.4%, respectively. Indeed, the melt-up in quantum stocks is becoming difficult to avoid, and while there might still be room to run, those who get in with the hopes of riding the name higher should also be prepared for what happens once the next inevitable rollover happens.Trading quantum stocks can be quite tricky unless you’re a seasoned pro. However, if you can handle a 50-70% hit and see yourself buying more into the next dip, perhaps nibbling on a few shares of your favorite stocks to play the quantum leap can make a lot of sense.Indeed, some investors may have already moved on from the AI trade to hotter things. But the big question is how long the quantum bull run will last. As always, it’s impossible to tell at this juncture, especially as valuations get a tad ahead of themselves while Wall Street analyst price targets are exceeded.The quantum leap in quantum computing stocks has been euphoricAfter the latest surge, RGTI shares have gained 400% in six months while IONQ has risen 200%, with QBTS gaining around 387%. These are some serious multi-bagger gains that have propelled quantum pure-plays to center stage. And with market caps now comfortably in the double-digits, with IonQ boasting a $25.5 billion valuation, at the time of this writing, the quantum plays are starting to attract some real attention. With names like Rigetti gaining close to 3,000% in two years, questions linger as to whether the quantum trio has any such gas left in the tank to cause another 10x.Personally, I think asking which is the next 10x is the wrong way to go about betting on the names. Arguably, investors have already missed such a run. And while a plunge could always open the door for a second chance to buy in at more reasonable prices, I think the best way to proceed with the quantum stocks is to buy them into dips. Indeed, I’ve been quite bullish on the quantum stocks over the past year.However, after more than doubling in a month, I just have to change my tune on the names. They’re amazing firms with different takes on the emerging technology. But valuations have gotten out of hand, and the risks for a steep pullback over the near-term are real. Though nobody knows which name will be a so-called “10x” stock, I do think that IonQ stands out as the most intriguing of the batch. The quantum names look too risky to buy. Of the trio, IonQ looks most attractive on a pullback. Of course, the trio of quantum stocks is bound to move together, so until a correction hits, I’ll be steering clear of the group. Though, I will be watching the names as volatility takes things up a few notches after the latest melt-up. At this juncture, I think IonQ is the name that long-term investors should look to build a position in, preferably after a pullback.It’s a larger firm that has been gaining traction in trapped ion quantum computing, a technology that I believe holds the most promise for future commercialization. As for 10x hopes, I’d encourage enthusiastic investors to check their expectations of euphoric near-term gains at the door, as I do see IonQ as a name best held for the extremely long haul (think the next 10 years, as quantum really starts to emerge). Additionally, more focus should be placed on the downside risks, rather than upside potential, especially since the most explosive moves are already in the books.In short, the quantum companies have serious potential over the long run, but they look overbought in the near term. Perhaps the best way to play it is to wait for the next correction.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Convertible Bond CEF Double Digit Gains And Over 10% Yields
-->Key PointsConvertible bonds and convertible stocks are a tool that public companies often use for large financings to avoid disturbing their equity cap tables.Warren Buffett’s Berkshire Hathaway has been a big convertible securities owner, while Coinbase is the most recent company of note to use the platform for a $2 billion financing.With the help of savvy management, CEFs that focus on convertible securities for their portfolios, can deliver steady, index equivalent gains along with high dividend yields.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->Convertible securities are hybrid bonds and stocks that have a prearranged conversion factor into common stock, but pay an interest coupon to the holder until conversion is exercised. They have been in existence since the mid-1800s, when investors demanded the stability of bonds in order to take the risk on future equity stakes in a new transportation invention called therailroad. Nowadays, companies often turn to convertible securities for large capital raises so their equity capitalization tables can avoid dilution. This way, they can choose a future conversion time long after the raised funds have been spent to enhance value and appreciate the stock’s market price to better absorb new shares in the float.Convertible Securities Deals Of NoteAs one of the most famous investors in history, Warren Buffett is certainly no stranger to convertible securities. In the aftermath of the 2008 subprime banking meltdown fiasco, Bank of America required $5 billion in addition to TARP money in order to stabilize its operations. Buffett came to the rescue in 2011 on the following terms: The investment was structured as convertible preferred stock with a 6% dividend and warrants to buy Bank of America common stock at approximately $7.14 per share. Buffett exercised the warrants to purchase common stock in 2017. At the time of conversion, the value of the common shares was much higher than the $7.14 exercise price, turning the investment into a large profit. Berkshire thus acquired a substantial stake in BoA common stock. More recently, Coinbase announced in August that it was raising $2 billion via $1 billion in convertible notes with a 2029 maturity and $1billion convertible notes maturing in 2032. Conversion to be in common stock, cash, or a combination of both.Convertible securities can be a lucrative tool for a closed-end fund (CEF) when a portfolio manager is sophisticated enough to use their coupon dividends strategically before capitalizing on conversion gains. Those that can do this consistently can generate gains on par with major stock indexes while at the same time delivering high dividend yields. If they can be obtained at a discount to Net Asset Value, that is an added plus.Advent Convertible and Income FundSimon Guggenheim was a scion of the powerful and wealthy Guggenheim family, best known for their Frank Lloyd Wright designed namesake museum on New York’s Upper East Side.Advent Convertible and Income Fund (NYSE: AVK)Yield: 11.02%Price/NAV: $12.80/$13.41Discount: -4.55%With $357 billion AUM, New York headquartered Guggenheim Investments has established a niche reputation for its fixed-income portfolio management prowess, with props fromBarron’sandInsurance Asset Risk.It was founded by the wealthy Guggenheim family, best known for its landmark spiral designed Upper East Side art museum designed by architect Frank Lloyd Wright. It presently owns the Advent Convertible and Income Fund. Guggenheim’sAdvent Convertible and Income Fund (NYSE: AVK)is its foray into convertible securities, and it has been a solid success.Advent Convertible and Income Fund currently allocates about 47.27% of its $931.4 million portfolio towards convertible bonds with the remainder in high-yield nonconvertible “junk” bonds (39.98%), equities (8.49%), cash (2.73%), and CLOs (1.53%). Its top 5 largest holdings (all convertibles) are:Advent Convertible Bond ETF:2.88%Boeing: 1.16%Uber Technologies:1.05%Norwegian Cruise Line:0.94%Coinbase Global:0.90%With an 11.02% annual dividend yield payable monthly, AVK’s trailing returns have been consistently in double digits:1-Year:21.41%3-Year:19.52%5-Year:11.02%10-Year:10.72&Virtus Convertible & Income Fund IIThe Virtus Convertible & Income Fund II is managed and issued by German insurance titan Allianz.Virtus Convertible & Income Fund II(NYSE: NCZ)Yield: 10.45%Price/NAV: $13.81/$15.46Discount: -10.67%Founded by Allianz and jointly managed by the Allianz Global Investors Fund Management LLC and Allianz Global Investor U.S. LLC, theVirtus Convertible & Income Fund II(NYSE: NCZ)is a closed-end fund primarily managing a portfolio of convertible bonds and high-yield bonds that are below investment grade (i.e., “junk bonds”). As a risk mitigation policy, Virtus Convertible & Income Fund II keeps the average maturities of its holdings between 5 to 10 years. NCZ allocates about 61.82% of its $294.27 million portfolio towards convertible bonds with the remainder in high-yield nonconvertible “junk” bonds (35.18%), other (2.41%), and cash (0.60%). Its top 5 largest holdings are:Boeing Company 6% Pfd Registered shs Series A: 3.43%Wells Fargo & Company 7.5 % Non Cum Perp Conv Pfd Registered Shs A Series L: 2.73%Welltower Op Llc 3.125% 15-jul-2029: 2.63%Live Nation Entertainment, Inc. 2.875% 15-jan-2030: 2.56%Lumentum Holdings Inc. 0.5% 15-dec-2026: 2.22%NCZ’a 10.45% yield pays distributions monthly. Its trailing returns are:1-Year: 25.73%3-Year: 21.11%5-Year: 8.13%10-Year: 8.09%Calamos Dynamic Convertible and Income FundA variety of convertible bonds from Boeing Boeing (DECS, ACES & PRIDES) are the largest holding in the Calamos Dynamic Convertible and Income Fund .Calamos Dynamic Convertible and Income Fund (NASDAQ: CCD)Yield: 11.13%Price/NAV: $21.47/$21.45Discount: -0.001%TheCalamos Dynamic Convertible and Income Fund (NASDAQ: CCD)is a closed-end mutual fund based in Naperville, IL that invests in publicly traded convertible securities, as well as corporate bonds, equity linked notes, and floating rate bonds. The fund also uses option trading strategies to boost returns. The fund’s portfolio was $827.2 million AUM as of the start of October. Its portfolio held 86.12% convertibles, 9.75% corporate bonds, 2.02% in cash, and 1.80% in bank loans, with equities at 0.08%. Its 5 largest positions (all convertibles) are:Boeing DECS, ACES & PRIDES (these are different types of convertible bonds): 3.0%Uber Technologies: 2.1%Microstrategy, Inc.: 1.9%PPL Capital Funding, Inc.: 1.8%Live Nation Entertainment, Inc.: 1.8%CCD’s 11.13% annual dividend yield pays distributions monthly. Its trailing returns are:1-Year: -5.58%3-Year: 14.53%5-Year: 8.86%10-Year: 12.49%While convertible securities are off the beaten track as far as most conventional fund portfolio assets, their inclusion affords a fund and its shareholders exposure to the kinds of deals usually only made available to institutional investors. This kind of access is often very lucrative at the end of the day, so even on a reduced scale, it is definitely a welcome addition to a portfolio. Wealthy Americans With $1m Or More: Avoid These 13 Retirement MistakesEven for wealthy Americans with $1m or more saved up, one wrong move in retirement could cost you years of financial security. The truth is, many investors make the same critical errors: Being too conservative, chasing “sure things,” or paying hidden fees. And those blunders can tank your hard-earned savings.Now you can learn the mistakes even experienced investors make — and how you can sidestep them before it’s too late — with this new guide: 13 Retirement Mistakes and How to Avoid Them from Fisher Investments. Fisher Investments has helped tens of thousands of investors retire comfortably since 1979. With over $332 billion under management, they provide tailored money management to help achieve long-term goals. Download the guide today.24/7 Wall St. may receive compensation for actions taken through some of the links provided here.
I Use These 3 Overlooked Roth IRA Strategies Every Year
-->Key PointsThe humble Roth IRA is a widely owned, but under-utilized retirement accountThere are strategies Americans can use to dramatically increase their returnsOwning high yield dividends, doing backdoor conversions, and custodial Roth IRAs are just a few options-->-->The Roth IRA is one of the most widely held retirement accounts in the United States. According to ICI’s 2024 study, there are an estimated 34.6 million roth accounts today, trailing only the traditional IRA’s 43.1 million and 401(k)’s estimated 70m accounts. While many Americans appreciate that the Roth IRA permits tax-free withdrawals and has some benefits in retirement, there are many overlooked strategies and benefits that cause them to leave money on the table and retire later, or with less money than they otherwise would need to.Even small optimizations can become meaningful. Assuming a $5,000 initial investment and annual $5,000 contributions for 25 years, the difference in improving your IRR just 1% and going from 8% to 9% annual returns results in nearly $67,000 more in your retirement account.Scenario AScenario BInitial Contribution $ 5,000 $ 5,000Annual Contribution $ 5,000 $ 5,000IRR8%9%Result After 25y $ 399,772 $ 466,619Source: 24/7 Wall st.So it’s worth spending a little extra time to make sure you’re getting the most out of your Roth IRA by understanding all the various benefits and strategies. We won’t cover them all here, but after 20 years of investing here are the three overlooked Roth IRA strategies I use every year.Put Dividends And Income In A Roth IRAFirst (With one exception)One of the smartest ways to use a Roth IRA is to load it with assets that generate steady income, such as dividend-paying stocks, bond funds, or real estate investment trusts (REITs). You can even do something called a self-directed Roth IRA which allows you to own income producing real estate directly in a Roth account, but this is more involved.In a taxable brokerage account, dividends and interest are taxed every year, either at ordinary income rates or at the qualified dividend rate, which can be as high as 20% depending on your bracket. Inside a Roth, however, that “tax drag” disappears. Every dividend, every coupon payment, and every reinvestment compounds tax-free for decades.The difference may sound small, but over time it adds up to tens of thousands of dollars. Suppose you hold $100,000 in dividend stocks with a 4% annual yield. In a taxable account, a 15% qualified dividend tax would eat $600 of those dividends every year, leaving only $3,400 to reinvest. In a Roth, the entire $4,000 is reinvested. Over 30 years, assuming 4% yield and 5% capital growth (9% total return), the Roth account could grow to nearly $1.3 million, while the taxable account lags significantly because of the annual tax siphon. The Roth turns steady cash flow into an accelerating compounding machine.There is, however, an important caveat: not all income-producing assets belong in a Roth. Master Limited Partnerships (MLPs), certain private equity structures, and other investments that generate Unrelated Business Taxable Income (UBTI) can create unexpected tax liability even inside a tax-sheltered account. If a Roth IRA generates more than $1,000 of UBTI in a year, the IRA itself may owe taxes, undermining the benefit of tax-free growth. For this reason, experts generally recommend keeping MLPs and other UBTI-producing assets in a taxable account, while reserving the Roth for dividend stocks, high-yield bond funds, or REITs that don’t trigger UBIT.Some high yield dividend stocks that I have in my Roth IRA today include:InvestmentYieldExtra Space Storage Inc (NYSE: EXR)4.6%Camden Property Trust (NYSE: CPT)3.93%Postal Realty Trust Inc (NYSE: PSTL)6.1%Extra Space Storage is a REIT that owns and operates self-storage facilities across the United States. At a $31b market cap, it is one of the largest in this space and has returned over 1,000% to shareholders since going public. Camden Property Trust is a vertically integrated housing REIT with over 59,000 properties across the United States, with large exposure to the in-demand sun belt region. Postal Realty Trust is a small REIT at only a $390m market cap. The company focuses exclusively on long term leases with the USPS, which are often stable, triple-net, and have predictable multiyear rent escalations.All three pay at or above Treasury yields today, and all of that income is tax-free in a Roth IRA.Make One, or Two Backdoor ConversionsTypically high income earners are prohibited from contributing to a Roth IRA. In 2025 the income limits are $165,000 if single, and $246,000 if married and filing jointly. However, there is a workaround.A backdoor Roth IRA conversion is a strategy that allows individuals and couples above this threshold to get money into their Roth IRAs. Here is how it works; with the backdoor conversion you make a nondeductible contribution to a traditional IRA first, and then convert that amount into a Roth IRA. Since the contribution itself was nondeductible, only the investment gains are taxable at the time of conversion, allowing wealthier investors to sidestep the Roth income cap and still take advantage of tax-free growth. If you simply contribute cash to your 401(k) and leave it uninvested, then convert it to a Roth IRA there will be no gains to be taxed on. All of this can be done in just a few days.In 2025 this approach allows you to convert up to $7,000per taxpayerif you are under 50 years of age. If you are over 50, this limit jumps to $8,000 per individual. There is another, more complicated strategy called a Megabackdoor Roth Conversion that lets you shift up to $46,000 per year into your Roth IRA. However, this requires working for an employer that allows after-tax 401(k) contributions beyond your standard employee deferral limit, some substantial contributions there, and then an in-plan roth conversion or rollover to a Roth.Sticking with just the regular backdoor conversion for now, my family and I do two each year. One for me, one for my wife. This allows us to get an additional $14,000 per year into our Roth IRA accounts, making retirement that much closer.Fund A Custodial Roth IRA, If You CanThis third strategy only applies to a narrow set of individuals who have children or grandchildren who are minors that also receive an income. However it is powerful and worth commenting on.A custodial Roth IRA is simply a Roth IRA opened for a minor child, with a parent or guardian serving as the account’s custodian until the child reaches adulthood. The account belongs to the child, but the custodian manages the investments and paperwork. Once the child reaches the age of majority, full control shifts to them. The child must have earned income from work (babysitting, lawn mowing, a W-2 summer job, acting gigs, etc.). The contribution limit is the smaller of their total annual earned income or the Roth IRA cap.While the contributions can not exceed what the child earned that year,anyone can fund it on their behalf, including grandparents. So if your child was enterprising enough to make money working part time it’s worth figuring out how to contribute on their behalf.To understand how powerful this can be, consider the simple scenario in the chart below. It shows how much a single $3,000 investment would be worth at retirement age if made at age 15, or age 30. Both scenarios assume an 8% average rate of return.Source: 24/7 Wall st.That’s a $96,349 difference, simply from making the same contribution earlier.ConclusionThe Roth IRA isn’t just another retirement account. It’s a powerful wealth compounder and tax shield that can help secure your retirement, or that of a future generation. But it requires a little planning and foresight to fully take advantage. For most investors, the key takeaway is simple: don’t just settle for the basic Roth contribution. Explore the account’s flexibility, pair it with smart strategies, and treat it as the compounding engine it’s designed to be.There are plenty of other ways to utilize your Roth IRA for greater wealth as well, including writing options, doing a self-directed Roth IRA to invest in real estate, withdrawing contributions (but not the gains) early, or using withdrawals to stay below thresholds that would otherwise trigger
5 Dividend Kings Are Our Top High-Yield Dividend Picks For October
Investors lovedividend stocks, especially those with high yields, because they provide a substantial income stream and offer significant total return potential. Total return includes interest, capital gains, dividends, and distributions realized over time. In other words, the total return on an investment or a portfolio consists of income and stock appreciation. At 24/7 Wall St., we consistently emphasize the potential of total return to our readers. It is one of the most effective ways to enhance the prospects of overall investing success. Once again, total return refers to the collective increase in a stock’s value, including dividends.-->-->24/7 Wall St. Key Points:With the interst rate cutting cycle in place, dividend stocks could have a great tailwind heading into the last quarter of 2025.The Dividend Kings are perfect portfolio additions for growth and income investors, and many trade at very reasonable levels.Depending on the state of the economy, we could see additional interest rate cuts in November and December.Are the Dividend Kings a good fit for your portfolio? Why not schedule a meeting with an experienced financial advisor for a complete review today? Click here to get started finding one. (Sponsored)-->-->The Dividend Kingsare the 56 companies that have raised their dividends for 50 years, a testament to their dependability and reliability. Those are two “must-have” items for investors who rely on passive income to boost their overall revenue. Unlike the Dividend Aristocrats, the Dividend Kings do not have to be members of the S&P 500. When sizing up the landscape for the fourth quarter, one thing is sure: after a wild rollercoaster 2025, which has seen declines of 20% and then gains of over 30%, one would think we are due for a pullback before the end of the year. Our 5 top October high-yield Dividend Kings picks were screened for price to earnings, dividend yield, and most importantly, those with solid forward momentum that should hold their ground well, even if we experience a 10% or bigger correction. All are rated Buy at top firms on Wall Street. Why we recommend the Dividend KingsCompanies that have paidand raised their dividends for 50 years and longer are the kind that growth and income investors want to buy and hold in stock portfolios forever. These stocks are mostly conservative, and should we see a dramatic market correction, they will likely hold their ground much better than volatile technology names.AltriaLoading stock data...Altria is oneof the world’s largest producers and marketers of tobacco, cigarettes, and related products. This tobacco company offers value investors a compelling entry point, trading at 9.5 times forward earnings and yielding a substantial 620% dividend. Altria Group Inc. (NYSE: MO) manufactures and sells smokable and oral tobacco products in the United States through its subsidiaries.The companyprovides cigarettes primarily under the Marlboro brand.Cigars and pipe tobacco, principally under the Black & Mild and Middleton brandsMoist smokeless tobacco and snus products under the Copenhagen, Skoal, Red Seal, and Husky brandson! Oral nicotine pouchese-vapor products under the NJOY ACE brand.It sells itstobacco products primarily to wholesalers, including distributors and large retail organizations, such as chain stores.Altria usedto own over 10% of Anheuser-Busch InBev (NYSE: BUD), the world’s largest brewer. Last year, the company sold 35 million of its 197 million shares through a global secondary offering. That represents 18% of its holdings but still leaves 8% of the outstanding shares in its back pocket. Altria also announced a $2.4 billion stock repurchase plan partially funded by the sale.Altriaincreased its quarterly dividend earlier this year by 4.1%, from $0.98 to $1.02 per share, marking its 59th dividend increase in the past 55 years.Bank of Americahas a Buy rating with a $72 target.TargetLoading stock data...Target Corporationis an American retail corporation with a chain of discount department stores and hypermarkets. This company remains a solid and safe retail total return play, and after a rough first half of 2025, down almost 24%, it is a stellar buy, trading at 14 times forward earnings with a strong 4.93% dividend yield. Target Corp. (NYSE: TGT) is a general merchandise retailer in the United States. It offers apparel for women, men, boys, girls, toddlers, infants, and newborns, as well as jewelry, accessories, and shoes. The company also offers a range of beauty and personal care products, baby gear, cleaning supplies, paper products, and pet care products.Targetalso provides:Dry grocery, dairy, frozen food, beverages, candy, snacks, deli, bakery, meat, and food serviceElectronics, which includes video game hardware and softwareToys, entertainment, sporting goods, and luggageFurniture, lighting, storage, kitchenware, small appliances, home décor, bed, and bathHome ImprovementSchool/office suppliesGreeting cards, party supplies, and other seasonal merchandiseIn addition,the company sells merchandise through periodic design and creative partnerships, shop-in-shop experiences, and in-store amenities. It also sells its products through its stores and digital channels, including Target.com.The companysuffered a “Bud Light” moment a few years back after the disastrous merchandising of LGBTQ products, which struck a nerve among many shoppers. While not as severe as the beer giants’ conundrum, it was a significant negative that has seemingly subsided.Guggenheimhas assigned a Buy rating, accompanied by a $115 target.PepsiCoLoading stock data...This top consumerstaples stock reported solid second-quarter earnings and will continue to supply all the goods for football tailgates and parties. Trading at 18 times forward earnings with massive cash flow and a 3.84% dividend, this is a solid idea now. PepsiCo, Inc. (NYSE: PEP) is a worldwide food and beverage company. Activist investor Elliott Investment Management recently took a $4 billion stake in PepsiCo, revealing a strategy to unlock value within the company’s iconic brand by focusing on core strengths, such as innovation and brand marketing, rather than its capital-intensive bottling operations. This move caused PepsiCo’s stock to surge, with Elliott believing the company could see over 50% upside if its proposed strategic changes were implemented. However, these changes would involve a very long-term transformation.Its Frito-LayNorth America segment offers:Lays and Ruffles potato chipsDoritos, Tostitos, and Santitas tortilla chipsCheetos cheese-flavored snacks, branded dipsFritos corn chipsThe company’sQuaker Foods North America segment provides:Quaker OatmealGritsRice cakesNatural granola and oat squaresPearl Milling mixes and syrupsQuaker Chewy granola barsCap’n Crunch cerealLife cerealRice-A-Roni side dishesPepsico’sNorth America Beverages segment offers beverage concentrates, fountain syrups, and finished goods under these brands:PepsiGatoradeMountain DewDiet PepsiAquafinaDiet Mountain DewTropicana Pure PremiumSierra MistMug brandsCitigrouphas a Buy rating with a $168 target price objective.Johnson & JohnsonLoading stock data...Johnson & Johnsonis a multinational American corporation specializing in pharmaceuticals, biotechnology, and medical devices. With shares trading at 14.5 times forward earnings and paying a 2.81% dividend, this diversified healthcare giant is a strong buy at current prices. Johnson & Johnson (NYSE: JNJ) is among the most conservative of the major pharmaceutical companies with a diverse product portfolio and a familiar, solid brand. The company researches, develops, manufactures, and sells a range of healthcare products. Its primary focus is on products related to human health and well-being.It operatesthrough two segments:Innovative MedicineMedTechThe InnovativeMedicine segment is focused on various therapeutic areas, including:ImmunologyInfectious diseasesNeuroscienceOncologyPulmonary hypertensionCardiovascular and metabolic diseases.Productsin this segment are distributed directly to retailers, wholesalers, distributors, hospitals, and healthcare professionals for prescription use.The MedTechsegment encompasses a diverse portfolio of products used in orthopedics, surgery, interventional solutions, cardiovascular intervention, and vision care. It also offers a commercially available intravascular lithotripsy (IVL) platform for the treatment of coronary artery disease (CAD) and peripheral artery disease (PAD).Citigrouphas a Buy rating with a $185 target price objective.Genuine PartsLoading stock data...Investorsseeking a solid retail investment should consider purchasing this company, as its products remain in high demand and it has raised the dividend for 69 consecutive years. Trading at 16 times forward earnings and offering a 2.91% dividend, this is a conservative idea now. Genuine Parts Inc. (NYSE: GPC) is a global service provider of automotive and industrial replacement parts and value-added solutions.The company’ssegments include:Automotive Parts GroupIndustrial Parts GroupThe Automotivesegment distributes replacement parts (other than collision parts) for all makes and models of automobiles, trucks, and other vehicles in North America, Europe, and Australasia.Its mainautomotive customers are repair and maintenance shops, and its main industrial customers are businesses operating distribution, manufacturing, and production equipment.The Industrialsegment distributes a wide variety of industrial bearings, mechanical and fluid power transmission equipment, including:Hydraulic and pneumatic productsMaterial handling componentsRelated parts and suppliesGenuine Parts’industrial business offers replacement parts and solutions to customers in the maintenance, repair, and operation (MRO) sector, as well as to original equipment manufacturers (OEMs).Truist Financialhas a Buy rating on the shares with a $137 target.If You’ve Been Thinking About Retirement, Pay Attention (sponsor)Retirement planning doesn’t have to feel overwhelming. The key is finding expert guidance, and SmartAsset’s simple quiz makes it easier than ever for you to connect with a vetted financial advisor. Here’s how:Answer a Few Simple Questions. Get Matched with Vetted Advisors Choose Your Fit Why wait? Start building the retirement you’ve always dreamed of.Get started today! (sponsor)
3 Stocks Yielding 5% and More to Buy and Hold for the Next 5 Years
-->-->Key PointsDividend stocks excel in delivering passive income and total returns through reinvestment over five years.These dividend stocks offer 5%+ yields with strong coverage and buy ratings to build resilient portfolios.These three picks provide diversification across energy, health, and real estate.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->Dividend stocks are a cornerstone for investors seeking steady income and long-term growth. By combining consistent payouts with potential share price appreciation, these investments can deliver robust total returns, especially when dividends are reinvested over time. For a five-year horizon, selecting high-yield stocks with strong fundamentals is key to balancing income, stability, and moderate risk. After screening thousands of U.S.-listed equities, the three stocks below stand out for yielding 5% or more, being backed by solid payout coverage, and offering analyst buy ratings. They shine in volatile markets, providing buffers against price swings while balancing income stability with moderate risk.Energy Transfer (ET)Energy Transfer(NYSE:ET), a major player in midstream energy infrastructure, operates over 120,000 miles of pipelines transporting natural gas, crude oil, and refined products across key U.S. regions. This setup positions it as a critical link in North America’s energy supply chain, serving utilities, refiners, and producers with essential transport and storage services.The company’s current dividend yield sits at about 7.7%, backed by adjusted funds from operations (AFFO) that comfortably cover payouts — trading at roughly 9 times forward AFFO. Recent expansions, including the Lake Charles LNG project and acquisitions like Crestwood Equity, have diversified revenue streams and locked in long-term contracts, shielding against commodity volatility. Loading stock data...Analysts project 7% to 8% annual distribution growth through 2030, driven by rising U.S. natural gas exports and renewable integrations like carbon capture pipelines. For a five-year holding period minimum, ET’s fee-based model — over 90% of earnings are from stable contracts — ensures resilience. Even amid energy transitions, demand for its assets remains robust, with potential upside from Permian Basin output surges.At a forward P/E of 11, ET stock trades at a discount to peers, offering value for income seekers. Holding through 2030 could yield compounded returns exceeding 10% annually, blending yield with modest appreciation.Pfizer (PFE)Global pharmaceutical leaderPfizer(NYSE:PFE) develops and markets treatments in oncology, immunology, vaccines, and rare diseases, with a pipeline boasting over 100 programs in clinical stages. Its portfolio includes blockbusters like Eliquis and Prevnar, generating billions in annual sales.Yielding around 6.4% annually, PFE’s dividend enjoys strong support from free cash flow, with a healthy payout ratio that has steadied after a crash in the Covid vaccine market. Following the pandemic, Pfizer posted $58 billion in 2024 revenue despite patent cliffs on some drugs. Strategic moves, such as the $43 billion Seagen acquisition, bolster its oncology focus, where treatments like Padcev are ramping up. Wall Street forecasts 4% to 6% earnings growth yearly, fueled by new launches in RSV vaccines and weight-loss candidates.Loading stock data...Over the next five years, Pfizer’s scale — $22 billion in full-year operation cash flow — and defensive healthcare exposure make it a hold candidate. Regulatory tailwinds and biosimilar opportunities could offset generic pressures, while buybacks enhance shareholder value– though it hasn’t made any so far this year. Trading at just 8 times forward earnings, it’s undervalued relative to its 15% ROE. Investors can expect consistent dividend hikes, with total returns potentially maintaining mid-single-digit rates compounded, prioritizing stability over high-risk bets.Realty Income (O)Realty Income(NYSE:O), known as “The Monthly Dividend Company,” owns over 15,000 commercial properties leased to recession-resistant tenants like dollar stores, pharmacies, and grocers across the U.S., U.K., and Europe. Its net lease model shifts insurance, maintenance, and taxes to tenants, ensuring predictable rents.At a 5.3% yield, the monthly payouts are covered 1.4 times by adjusted funds from operations (AFFO), with 31 straight years of increases affirming its Dividend Aristocrat status. The portfolio’s 98% occupancy and short eight-year lease averages provide downside protection, while acquisitions totaling $3 billion in 2024 expand its 100 million square foot footprint. Analysts see 3% to 5% FFO growth, supported by inflation-linked escalators averaging 1.5% annually.Loading stock data...A five-year horizon favors O’s essential-retail tilt, which has outperformed broader real estate investment trusts (REITs) during e-commerce shifts. Geographic diversification and creditworthy lessees likeWalmart(NYSE:WMT) mitigate risks, with potential for 7%+ total returns via yield and 2% to 3% appreciation.At 14 times AFFO, it offers a compelling entry for passive income builders eyeing steady compounding.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Amazon (NASDAQ: AMZN) Stock Price Prediction for 2025: Where Will It Be in 1 Year
-->24/7 Wall St. Key Points:Amazon is facing substantial headwinds this year, but the stock remains fundamentally sound with a “Strong Buy” rating.AWS, AI and ad sales continue to be major drivers for the Magnificent Seven stock.If you’re looking for a megatrend with massive potential, make sure to grab a complimentary copy of our“The Next NVIDIA” report. This report breaks down AI stocks with 10x potential and will give you a huge leg up on profiting from this massive sea change.-->-->Shares ofAmazon.com Inc.(NASDAQ:AMZN)lost 0.15% over the past five trading sessions after losing 1.42% the five prior. The stock continues to struggle in the aftermath of tech’s early August sell-off that saw AMZN fall by nearly 10% in one day, and more recently, the Friday, Oct. 10 sell-off that sent the stock down by nearly 5%. The e-commerce and cloud storage solutions giant finds itself in the red this year with a year-to-date loss of 0.01%. Over the past year, Amazon is up 17.42%.In August, the company announced it will begin offering customers same-day grocery delivery. On July 8, it was reported that Amazon founder Jeff Bezos sold nearly 3 million shares worth $665.8 million over two days in July as part of a plan announced earlier in 2025 that will see Bezos unload up to 25 million shares through May 2026. In other company news, the firm announced in July that it deployed its 1 millionth robot while also deploying its new AI foundation model to power its robotic fleet. The robotics cycle is “early,” according to Bank of America’s analyst, who expects Amazon to leverage robots to reduce labor dependency, increase order accuracy and improve warehouse efficiency, driving material cost savings.When Amazon released its Q2 earnings on July 31, it reported that net sales increased 13% to $167.7 billion in the second quarter, compared with $148.0 billion in the year-prior quarter. Net income increased to $18.2 billion, or $1.68 per diluted share, compared with $13.5 billion, or $1.26 per diluted share, in Q2 2024. However, free cash flow decreased to $18.2 billion TTM, compared with $53.0 billion TTM the year prior due to Amazon’s ongoing CapEx on AI.In June and July the stock saw a series of adjusted price targets. Analysts at Stifel ($262 from $245), Barclays ($275 from $240), Bank of America ($272 from $265), Piper Sandler ($255 from $250), Capital ($270 from $233), Citi ($265 from $225), Needham ($265 from $220), Cantor Fitzgerald ($260 from $240), Truist ($250 from $226), all recently upgraded their price targets for AMZN.While there can be little doubt about Amazon’s current financial health, investors and potential investors may be right to wonder whether growth can continue at Amazon’s historic pace, and whether the stock is safe as a long-term holding. Let’s take a look at where the share price could be headed.Why Invest in Amazon?Amazon.com IncNASDAQ:AMZN$215.57▲ $32.23(14.95%)1YPre-Market1D5D1M3M6M1Y5YMAXKEY DATA POINTS−Previous Close$216.39Market Cap2.40TDay's Range$212.66 - $217.7152wk Range$161.38 - $242.52Volume45.91MP/E Ratio34.33Gross Margin10.50%Dividend YieldN/AExchangeNASDAQIn the past 20 years, Amazon’s stock is up more than 10,288%. The company has been called one of the most influential economic and cultural forces in the world, and its brand is one of the world’s most valuable. Though the stock tumbled as the COVID-19 pandemic waned and lockdowns ended (along with the broader markets), it has more than recovered.Shares of this Magnificent Seven member hit an all-time high on Feb. 4, 2025, but with the NASDAQ briefly entering bear market territory in March, it had been downhill for Amazon in 2025. There have been signs of hope recently, with AMZN rebounding along with the broad market. It is hard to imagine that the company or its share price will collapse any time soon, but analysts and investors may see the stock as overbought. Let’s see what Wall Street expects.Amazon as a CompanyThe company engages in the retail sale of consumer products, advertising, and subscriptions service through online and physical stores internationally. It also manufactures and sells electronic devices and develops and produces media content. Amazon Web Services (AWS) provides compute, storage, database, analytics, machine learning, and other services. And Amazon Prime is the company’s membership program.Amazon is based in Seattle. It was founded in 1994 by Jeff Bezos, the former chief executive officer and now executive board chair. Amazon went public in May 1997. Its retail competitors includeAlibaba Group Holding Ltd. (NYSE:BABA),Kroger Co. (NYSE:KR) andWalmart Inc. (NYSE:WMT). It also competes with the likes ofNetflix Inc. (NASDAQ:NFLX)andMicrosoft Corp. (NASDAQ:MSFT).The company continues its push into artificial intelligence with an update of its Alexa feature to Alexa+. AWS investments in cloud computing and AI also continue, with the former being the world’s largest cloud services provider and the latter nearing its debut of its “Nova” chatbot, which will compete in price with ChatGPT. Additionally, Amazon has been expanding its same-day delivery services, and its entertainment division has secured the James Bond franchise with the acquisition of MGM Studios. Headwinds include ongoing labor issues. The most recent quarterly results showed strong performance, with AWS as a major growth driver.Amazon as a StockWall Street analysts’ median price target of $267.25 is above Amazon’s all-time high share price seen earlier this year and good for potential upside of 21.32%. Of the 44 analysts covering AMZN, all assign it a “Buy” rating, with none assigning it a “Hold” or “Sell” rating. Overall, the stock receives a consensus “Strong Buy” rating.With 64.67% of shares held by institutional investors — including notable stakes from the three largest asset management companies, Vanguard, BlackRock and State Street — the stock is popular among Wall Street’s sell-side firms. Institutional holdings of Amazon have seen net increase with 3,157 position increases versus 2,141 position decreases.Wall Street expectations for where the stock goes in the next 52 weeks vary. While analysts overall anticipate healthy upside, the lowest price target indicates a decline in the share price. The consensus projection signals strong upside potential for the next 52 weeks, based on strong forward guidance for business segments like AWS and Prime Video’s ad sales, which saw enormous year-over-year increases as the platform now hosts the NFL’s Thursday Night Football programming.Estimate Price Target%Change From Current PriceLow$230.004.41Median$267.2521.32%High$300.0036.19%Amazon does face some headwinds and risks in addition to those mentioned above. Consumer spending has rebounded in the wake of Trump’s tariff threats and subsequent pauses, which could help GDP in Q2 after it contracted GDP in Q1, raising the risks of a possible recession in 2025. Over the past month, the consumer discretionary sector of the S&P 500 — into which Amazon falls — has performed the fifth-worst among all 11 sectors by posting a loss of 1.77%.While the company dominates in the retail space and is a tech leader, competition in neither category is likely to go away anytime soon. All these things could have a huge impact on profitability. Despite some skeptics, the prospects for Amazon are optimistic overall, especially in the short term. Wall Street’s “Strong Buy” consensus rating and the upside potential far outweigh the downside potential shares of AMZN face.Most Americans Overpay Without Realizing ItCar insurance is one of those monthly bills most Americans pay without a second thought. But the truth is, millions of drivers are overpaying simply because the haven’t bothered to get updated rates. But there are dozens of easy ways to lower your rates. If you’re a safe driver, have moved in the last few years, if you’re a safe driver, or forgot to check about bundling you’re leaving free money on the table. I was able to save $530 on my insurance, simply by applying to new providers with updated information. And it only took a few minutes!👇 Use the form at the bottom of this article to see if another provider can lower your bill without sacrificing coverage.👇
Wall Street Just Bet $7 Billion on This Quantum Computing Moonshot
-->-->Key PointsQuantum computing’s market surge has propelled leading stocks over 1,000% in two years, blending fringe science with mainstream tech investments.Despite years from commercial viability, major corporations are funding quantum R&D, spotlighting its transformative potential.One PE firm is wagering nearly $7 billion on one quantum computing stock to dominate the pack in the coming years.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->Quantum computing has surged into one of the market’s hottest sectors over the past two years. Leading players in the space have delivered staggering gains, with some stocks climbing over 1,000% or even 3,000% in that period. D-Wave Quantum(NYSE:QBTS), for instance, has rocketed more than 3,500% in the trailing year, fueled by breakthroughs in quantum annealing technology.Rigetti Computing(NASDAQ:RGTI) has done even better, up over 5,500%, thanks to its superconducting qubit systems. What started as a fringe academic pursuit has evolved into a mainstream investment theme, drawing billions in funding from major tech corporations such asMicrosoft(NASDAQ:MSFT) andAlphabet(NASDAQ:GOOG)(NASDAQ:GOOGL) that are pouring resources into quantum research. Yet, despite the hype, the technology remains years from true commercial viability. Scalable, error-free quantum computers capable of outperforming classical supercomputers on practical problems are still elusive, hampered by issues like qubit stability and high error rates. One private equity firm, however, is betting aggressively on a breakout. Heights Capital Management, an affiliate of trading powerhouseSusquehanna International Group, views a single quantum computing stock as primed to dominate. It’s committing up to nearly $7 billion over the next seven years, signaling confidence that this company will leapfrog competitors and unlock quantum’s potential. The Quantum Leader Pulling AheadIonQ(NYSE:IONQ) stands out as the frontrunner in quantum computing, leveraging trapped-ion technology that operates at room temperature for superior accuracy and scalability. Unlike many rivals relying on energy-intensive cryogenic cooling, IonQ’s approach delivers high-fidelity qubits — up to 20,000 times more operations than current systems — with lower error rates. This edge has positioned IonQ as a go-to for cloud-based quantum services, integrating seamlessly with platforms fromAmazon‘s (NASDAQ:AMZN) AWS to Microsoft Azure. The company aims to deploy systems with 2 million qubits by 2030, targeting breakthroughs in drug discovery, financial modeling, and cybersecurity.Yet, IONQ’s stock has underperformed some peers in raw gains. While D-Wave and Rigetti have surged ahead over the past year, IONQ is up about 640% in the same span.Quantum Computing(NASDAQ:QUBT) nearly quadrupled that, posting 2,500% returns amid speculative fervor. These flashier performers often trade on hype around niche applications, like D-Wave’s annealing for optimization problems, but lack IonQ’s broad commercial traction, which reported 82% revenue growth in the second quarter, hitting $20.7 million on enterprise contracts and partnerships with the U.S. Air Force andHyundai. Still, it posted a $177.5 million net loss, underscoring the R&D costs in this capital-intensive field. Analysts see IONQ’s fundamentals — deeper cash reserves after acquisitions like Oxford Ionics, and a robust patent portfolio — as setting it up for sustained leadership over flash-in-the-pan rivals.IONQ IncNYSE:IONQ$72.41▲ $347.05(479.28%)1Y1D5D1M3M6M1Y5YMAXKEY DATA POINTS−Previous Close$77.55Market Cap27.17BDay's Range$70.80 - $80.2352wk Range$10.70 - $84.64Volume31.35MP/E RatioN/AGross MarginN/ADividend YieldN/AExchangeNYSEHeights Capital’s Bold Quantum WagerHeights Capital Management is doubling down on IONQ’s potential. The firm specializes in backing innovative firms with explosive upside, and it clearly sees the quantum computing company widening its lead in a crowded field. On Friday, IONQ announced a landmark $2 billion equity offering exclusively to Heights, marking the largest single-institutional common-stock deal in quantum history. This isn’t just a cash infusion; it’s a structured bet on IONQ’s trajectory.The deal includes 16.5 million shares sold at $93 each — a 20% premium to IONQ’s prior close — plus pre-funded warrants for 5 million more shares at the same price. A kicker: seven-year warrants for 43 million additional shares exercisable at $155, double the recent price. If IONQ’s stock clears that threshold, Heights could pour in another $6.7 billion by exercising, totaling nearly $7 billion in commitment over seven years. Proceeds will fuel global expansion, R&D acceleration, and ecosystem growth, including quantum networking for a “quantum internet.” CEO Niccolo de Masi called it a vote of confidence in IONQ’s path to commercialization.The market’s initial reaction was muted: IONQ dipped 9% amid dilution fears. But Heights’ structure minimizes near-term pressure, providing IONQ a $2.7 billion pro forma cash pile to outpace cash-strapped competitors like Rigetti, whose losses ballooned 27% in the first half of the year.Key TakeawayQuantum computing brims with uncertainty — technical hurdles, regulatory scrutiny, and unproven scalability that could stall progress for years. Operating losses plague pure-plays, with IONQ’s doubling to $236 million in the first two quarters of 2025, highlighting the burn rate. Yet IONQ emerges as a clear industry leader, blending trapped-ion innovation with enterprise wins and now this massive funding lifeline. The $2 billion raise, potentially scaling to $7 billion, equips IONQ to accelerate qubit milestones and capture market share. Trading at a premium valuation, the stock isn’t cheap, but its 9% Friday tumble offers a potential entry. For risk-tolerant investors, allocating a sliver of a speculative portfolio sleeve alongside Heights could pay off if quantum explodes. This PE bet underscores IONQ’s edge: in a field of sprinters, it’s building the marathon machine.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Warren Buffett Just Received a $204 Million Check from This Dividend Growth Giant
-->-->Key PointsWarren Buffett allocates over half his portfolio to dividend payers for reliable returns.Buffett skips paying dividends withBerkshire Hathawayto reinvest for higher growth.He just received a $204 million check highlighting compounding’s wealth-building force.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Warren Buffett has long championed dividend stocks as a cornerstone of wealth building. AtBerkshire Hathaway(NYSE:BRK-A)(NYSE:BRK-B), more than half of his equity portfolio — around 55% — consists of companies that pay dividends. These reliable cash flows align with his value investing philosophy, providing steady returns without the need to sell shares. Buffett favors firms with durable competitive advantages, or “moats,” that generate predictable earnings to support growing payouts over time.Yet, despite this preference, Buffett staunchly opposes paying dividends from Berkshire itself. He argues that reinvesting profits into high-return opportunities — acquisitions, buybacks, or new ventures — creates more value for shareholders than distributing cash. “We don’t pay dividends because we think we can do better with the money,” he has said. This approach has compounded Berkshire’s book value at an astonishing 19.8% annually since 1965.That conviction doesn’t stop Buffett from collecting dividends elsewhere. Recently, one of his longest-held positions cut him a quarterly check for $204 million. This payout underscores the enduring power of dividend stocks: buy quality companies early, hold through market cycles, and let compounding turn modest investments into fortunes.Buffett’s Obsession Fuels a Massive StakeBuffett’s relationship withCoca-Cola(NYSE:KO) dates back to the late 1980s, when he began building a position amid the company’s global expansion. By 1989, Berkshire owned about 7% of KO, a stake that has remained largely unchanged. What draws Buffett to the beverage giant is partly personal. A self-proclaimed Cherry Coke devotee, he downs five to six cans daily — his only indulgence in the stock’s products.Today, Buffett holds 400 million shares of KO stock, valued at $26.7 billion. This represents 8.8% of Berkshire’s $304 billion stock portfolio, making it the fourth-largest holding afterApple(NASDAQ:AAPL),American Express(NYSE:AXP), andBank of America(NYSE:BAC). Coke’s latest quarterly dividend of $0.51 per share translates to $204 million flowing straight to Omaha every three months.Loading stock data...Quarterly Checks That Never Stop — and Only GrowThis $204 million arrives like clockwork, every quarter, year after year, as long as Buffett owns the shares. But KO isn’t just any dividend payer; it’s a Dividend King — a stock that raises its payout annually for 50 years or more. Coca-Cola has hiked its payout annually for 63 straight years, and it currently yields 3% annually. It means KO is delivering Berkshire about $816 million a year from this one stock alone.If you had invested $1,000 in KO alongside Buffett’s initial buy in 1988 — when the split-adjusted dividend was $0.21 per share — the principal would have grown to $13,700 through price appreciation alone, a 1,270% gain over 37 years.Had you reinvested those dividends (as you should), the magic of compounding would have taken effect. The payouts would have bought additional shares, it would have added an additional $18,140, giving you a total worth $31,840. That’s a cumulative return of 3,080%, or a compound annual growth rate (CAGR) of 9.7%.Although theS&P 500would have returned 3,750% over the same stretch, that’s skewed by the artificial intelligence-fueled surge of the last five years. Tech titans likeNvidia(NASDAQ:NVDA),Microsoft(NASDAQ:MSFT), andAmazon(NASDAQ:AMZN) now dominate the index, driving outsized gains. For most of those 37 years, KO handily beat the benchmark, thanks to its defensive qualities during downturns.Key TakeawayBuffett’s KO ownership proves the case for patient, dividend-focused investing. He hasn’t added a single share since 1994, yet compounding has turned a legacy bet into a cash machine. The 100 million shares of KO in Berkshire’s portfolio when he made his last purchase have grown to 400 million today from reinvested dividends and stock splits, generating nearly $1 billion annually in income. At the current 5% annual increase pace, it should cross that threshold within four years.Quality dividend growers like Coca-Cola offer inflation protection, income stability, and automatic reinvestment potential. They reward holders who ignore short-term noise and focus on decades-long ownership.Get Ready To Retire (Sponsored)Start by taking a quick retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes, or less. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests. Here’s how it works: 1. Answer SmartAsset advisor match quiz 2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles. 3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future.
4 Stocks Perfectly Positioned For 2025’s Cybercrime Boom
-->Key PointsAccording to BD Emerson, global cybercrime damages are expected to reach $10.5 trillion by the end of 2025.While cybercrime methods are a continually moving target, cybersecurity films are making big profits on supplying various kinds of software and hardware protections to combat this epidemic.Cybercrime is not just a corporate problem, and can wreak financial and other kinds of personal damage at the individual level. It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->It seems like every week, there is another announcement from a major institution, retailer, or other large corporate entity reporting that it suffered a cybersecurity breach that compromised client or customer data. The occurrences have become so frequent, that the public is becoming inured to the potential financial and data security threats that affect them personally. Nevertheless, the threats are very real. Drug smuggling, which is estimated to be $305 billion in 2025, according to Worldometer, is dwarfed by the damages wrought from outright financial theft through ransomware, banks, fraudulent invoicing, fake tax collection scams, credit card phishing scams, and a host of other crimes targeting individuals. Cybercrime is a big business that is estimated to reach$10.5 trillionby the end of 2025, according to BD Emerson. Personal Cybersecurity ThreatsPhishing scams and poor attention to computer and mobile device password and data security are major vulnerabilities for governments, corporations, all the way down to families and individuals.BD Emerson noted that phishing scams that fool people into giving out sensitive data that can compromise their overall links to finances, medical records, legal records, et al. account for an average of$4.9 million in losses per breach. Verizon estimates that 36% of breaches are a result of phishing, which number about3.4 billion emails per day. It has been reported that phishing kits to fool unsuspecting targets into thinking that the phishing scams come from Google, Amazon, or other entities sell on the dark web for as little as $25 each.A recently published report from San Francisco-based Trustworthy cited some worrying statistics about individual and family data security. Leaving cybersecurity and phishing scams aside, basic poor password management and lax attention to proper information sharing between family members can result in significant financial and other damages. They note: 43% of families use unsecured apps or email for private document sharing.Only 52% of families can reliably retrieve important documents in case of a family emergency.46% of parents share their passwords with their young children.35% of parents are unaware if their children’s devices have cybersecurity protection.Unsurprisingly, cybersecurity has become a huge industry, although it continues to struggle to stay ahead of constantly evolving cyber hacking and other breach products and strategies. McKinsey estimates that the cybersecurity industry is expected to grow to $377 billion by 2028. Despite cyberthreats to be a moving target, there are several companies that have established themselves as major players in the arena.Palo Alto NetworksPalo Alto Networks is a leader in cybersecurity at the government and corporate level, and its stock price has appreciated +170% in the last half decade.One of the more recognized names in the cybersecurity realm,Palo Alto Networks (NASDAQ: PANW)offers its products primarily to governments and large Fortune 500 corporations. In the past five years, PANW has gone from $41 per share to $213 at the time of this writing, roughly +170%. Much of PANW’s strength has not come so much as from its proprietary products, but in recognizing the gaps in its measures and acquiring rivals like CyberArk, CloudGenix, and others to fill them. The notoriously “astute” stock trader, Rep. Nancy Pelosi (D-CA), is a big buyer of Palo Alto Networks’ call options, which says volumes as to its upside potential.SentinelOne Inc.SentinelOne uses its AI platform to equal and surpass the speed of cyberthreats to protect its customers.With so many engaged in cybercrimes, a force multiplier to even the playing field is required. Through its use of AI,SentinelOne (NYSE: S)is a company that is seeking to do just that. Singularity, its AI platform, delivers threat protection, detection, cloud security, and a host of other cyber shields. Presently trading at $18.00, analysts’ consensus is for a target price of $23.45, citing SentinelOne’s 75% margins and projected 21.3% revenue growth. ZscalerZscaler’s cyber protections focus on wireless device and cloud computing vulnerabilities.The trend towards WiFi and cloud computing has changed a number of the strategies to address cybersecurity issues.Zscaler (NASDAQ: ZS),at $307.00, is up nearly 80% since April, 2025, due to its latest reported quarter financials, showing a 32% increase in revenues, at $1.3 billion. Among its password protection features, which are especially important due to the added threats presented from mobile devices and the use of WiFi, include:Password Complexity Configuration CustomizationCommon Information RestrictionsPassword reuse preventionPassword Expiration Security MaintenanceGlobal X Cybersecurity ETFInvestors seeking a cybersecurity ETF for overall exposure to the sector may wish to consider the Global X Cybersecurity ETF.For investors who wish to get an overall cybersecurity exposure through an ETF, theGlobal X Cybersecurity ETF (NASDAQ: BUG)may fit the bill. With $1.13 billion in net assets, BUG’s portfolio of 24 holdings includes the following top 5 stocks:Zscaler: 7.48%CrowdStrike Holdings: 6.31%Palo Alto Networks: 6.19%CyberArk: 5.81%Varonis Systems: 5.80%In much the same way as cryptocurrencies are still a kind of digital Wild West field, cybersecurity is constantly seeking to catch up with cybercrime, a perpetually moving target, that changes form and methodology daily to stay ahead of the game to victimize others. Nevertheless, cybersecurity measures are essential to at least lower the odds of an attack, not only for corporations and governments, but also for individuals. Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
This Could Be Jim Cramer’s Biggest Winner Yet (And It’s Not Nvidia)!
AI chip giant Nvidia (NASDAQ:NVDA) has certainly been one of the best mega-cap stocks investors could have (and probably should have) been invested in over the past few decades. This is a stock that’s retained its historically high multiple, and even seen multiple expansion over time. But as Nvidia’s high performance chips have taken over the market, so too have the hearts and minds of traders looking for a clear winner to profit from this long-lasting trade.-->-->Key PointsNvidia has been Jim Cramer’s clear long-term winning pick for those who follow his advice.However, there is one other stock pick which appears to have the potential to outperform Nvidia over the long-term.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; get started by clicking here.(Sponsor)-->-->CNBC personality Jim Cramer has been among the leading talking heads promoting Nvidia over this time frame. Indeed, Nvidia remains one of his best long-term single stock suggestions. No doubt about it.And aside from the skeptics who may be looking to short Cramer via inverse ETFs (that was funny, by the way), there are others who listen what the man has to say. After all, he’s been around Wall Street and CEOs for a very long time, and he clearly does his homework on key companies he looks at pretty consistently.Here’s why I think Crowdstrike (NASDAQ:CRWD), a Jim Cramer favorite, could have the potential to provide even greater returns than Nvidia over the course of the next decade or two. Don’t Forget About CybersecurityLoading stock data...Cybersecurity stocks such as Crowdstrike have ebbed and flowed in terms of performance over the course of the past year. Looking at the stock chart above, it’s clear that most of the momentum (at least of late) has been to the upside. Indeed, with a 70% return over the past year alone, few could argue that CRWD stock has been an underperformer of late. That said, there are reasons why the company’s five-year chart looks like it does. Cybersecurity stocks, and a host of other high-growth names, saw significant selling pressure in 2022 as investors looked to rotate out of companies that were viewed as overvalued. Valuation has been a key headwind for companies like Crowdstrike in this space, and the stock still isn’t cheap trading at 400-times trailing earnings and more than 27-times sales.That said, the cybersecurity sector is also one that’s inherently defensive. Large corporations to small mom-and-pop shops have to pay for some level of cybersecurity, or risk the complete potential downfall of their business. Even a small chance of utter ruin is enough to keep the spending spigots on, and cybersecurity spending is often one of the last things to go. Plus, with various issues seen at competitors around bugs and updates turning clients off, CrowdStrike is among the leading companies I think is well-positioned to take market share in this space over time. Strong fundamentalsA couple looking at financial statementsAnother key component of Jim Cramer’s thesis around CrowdStrike revolves around the company’s strong growth rate and balance sheet. The cybersecurity giant has managed to continue to grow its revenue at a double-digit pace (around 30% per year in past years), as subscription revenue continues to grow as a share of overall. Given CrowdStrike’s scale, these numbers are impressive, and certainly do justify a valuation premium.If CrowdStrike can hit its own targets and achieve an overall annual recurring revenue of $10 billion per year by 2031, this is a company that would be worth around $250 billion at its current multiple (an increase of around 150% from here).Of course, a lot would need to go right in order for this to take place, and there would likely need to be some sort of revenue acceleration for CrowdStrike to achieve these targets. But given the company’s core recurring revenue business model, there is ample reason for this stock to continue to trade at elevated multiples for the foreseeable future.Is Jim Cramer Right About This One? Man thinking with a red question mark above his headMy view is that CrowdStrike is certainly one of the best cybersecurity names in this sector, and I can’t disagree with Jim Cramer on the company’s strong underlying business model and its growth prospects moving forward.Where I’m on the fence with respect to CrowdStrike is the company’s valuation multiples. There’s a lot of growth that’s already priced into this stock. CrowdStrike will either need to see a massive acceleration on the top- and bottom-lines to justify a surge in its share price from here. In other words, this is a stock that’s priced near perfection (in my view) where investors essentially need to bet on everything going right (and then some) to see upside over the next few years.In my view, that’s a risky proposition and not one I’d be eager to take on right now. To each their own. But I’m going to happily wait on the sidelines until valuations come down (as they did in 2022) before jumping in with both feet on this high-quality blue-chip tech giant. If You’ve Been Thinking About Retirement, Pay Attention (sponsor)Retirement planning doesn’t have to feel overwhelming. The key is finding expert guidance, and SmartAsset’s simple quiz makes it easier than ever for you to connect with a vetted financial advisor. Here’s how:Answer a Few Simple Questions. Get Matched with Vetted Advisors Choose Your Fit Why wait? Start building the retirement you’ve always dreamed of.Get started today! (sponsor)
Live: Tilray Brands (TLRY) Q1 FY2026 Earnings Coverage
Live UpdatesLive Coverage Has EndedGet The Best Tilray Brands Live Earnings Coverage Like This Every QuarterGet earnings reminders, our top analysis on Tilray Brands, market updates, and brand-new stock recommendations delivered directly to your inbox.Click Here - It's Free Thank you for subscribing! Keep an eye on your email for updates. By providing your email address, you agree to receive communications from us regarding website updates and other offerings that may be of interest to you. You can unsubscribe at any time. For more information, please review our Disclaimer and Terms of Use.Guidance UpdateOct 9, 2025 7:45 AMLiveTilray reiterated its FY2026 Adjusted EBITDA outlook of $62M–$72M, signaling confidence in execution despite mixed segment margins.The company noted continued focus on operational discipline and expects margin recovery as Project 420 optimization and beverage integration synergies take hold.Guidance MetricFY2026 RangePrior OutlookDirectionAdj. EBITDA$62M–$72M$62M–$72M⚖️ FlatCannabis Market ShareMaintain #1 CanadaMaintain⚖️ FlatCash FlowContinued improvementPrior trend intact📈 ImprovedManagement CommentaryOct 9, 2025 7:45 AMLiveCEO Irwin Simon said the quarter “underscores the effectiveness of our strategic vision and disciplined execution,” highlighting record revenue, profitability, and balance sheet strength as “proof points of sustainable growth.”He added that Tilray’s global platform is positioned to lead the evolution of the global cannabis, beverage, and wellness sectors and that U.S. rescheduling and European legalization remain pivotal tailwinds.Quick Take: The tone was notably confident — emphasizing global positioning and fiscal discipline rather than cost-cutting. Tone Meter: ImprovingKey Operating HighlightsOct 9, 2025 7:45 AMLiveSegmentRevenueYoY ChangeGross MarginQoQ TrendCommentaryCannabis$64.5M+5%36% (–4pts)StableMaintained #1 Canadian market share; International +10% YoY.Beverage$55.7MFlat38% (–3pts)StabilizingMargin compression from integration, but SKU optimization largely complete.Wellness$15.2M+3%32%FlatSolid performance from Manitoba Harvest and hemp foods.Distribution$74.0M+9%11% (–1pt)StrongGrowth in CC Pharma and European supply chain volumes.Adj. EBITDA$10.2M+9%—↑Driven by cost savings and integration synergies.What Changed This QuarterOct 9, 2025 7:45 AMLive✅First quarterly net income in over a year— a psychological and financial milestone.✅Operational cash use nearly eliminated, improving $34M YoY.⚖️Gross margin dipped to 27%(vs. 30% prior) as beverage and cannabis mix remained margin-heavy.📈Debt reduced to $4M net, leverage ratio at just0.07x EBITDA— a major balance sheet win.📉Beverage segment still soft, with 38% margin vs. 41% YoY.⚖️Guidance held steady, suggesting confidence without overpromising.Tilray is demonstrating tangible progress in cash discipline and profitability while keeping its strategic bets on U.S. and EMEA cannabis optionality alive. The print confirms the company’s path toward sustainable EBITDA and free cash flow, making it a credible multi-vertical turnaround story rather than a pure cannabis speculation play.Tilray Up Big After EarningsOct 9, 2025 7:43 AMLiveTilray shares are up 14% after posted record Q1 FY2026 revenue of $209.5 million, up 5% YoY and above consensus of $205.75M Adjusted EPS came in at $0.00, in line with expectations, while net income reached $1.5 million, marking a turnaround from a $(34.7)M loss a year ago.Adjusted EBITDA rose 9% YoY to $10.2 million, also exceeding forecasts, with cash used in operations improving by $34 million.MetricActualEstimateYoY ChangeBeat/MissRevenue$209.5M$205.75M+5%✅ BeatEPS (Adj.)$0.00$0.00+$0.01⚖️ In LineNet Income$1.5M–vs. $(34.7)M✅ TurnaroundAdj. EBITDA$10.2M~$9.3M+9%✅ BeatCash Flow (Ops.)$(1.3)M–+$34M YoY✅ ImprovedTilray Brands (NASDAQ: TLRY)reports fiscal Q1 2026 results before the market opens, following a transition year defined by consolidation and margin repair. The stock is up 275% over the past 6 months as investors look to see if the turnaround can keep momentum moving forward. Last quarter’s print (Q4 FY2025) showed clear progress — EPS beat $0.02 vs. est. $0.00 — as international cannabis and spirits drove gross margin expansion. Yet shares finished down 5% after weaker beverage margins and cautious cash-flow trends.This quarter’s release will test whether Tilray’s profitability narrative is sustainable amid muted cannabis volume and continued beverage rationalization.Estimates SnapshotMetricQ1 FY2026 EstimateYoY ChangeFY2026 EstimateFY2027 EstimateRevenue$205.75 M+2.9 % vs $200 M$863.47 M$901.79 MEPS (Normalized)$0.00+$0.01 vs –$0.01 prior year$0.04–$0.07Analyst Range (FY26)$830.5 M – $891.5 M rev / $0.03 – $0.04 EPSTilray has beaten EPS estimates four consecutive quarters, but top-line momentum remains constrained as the company trims low-margin SKUs and channels.Consensus implies low-single-digit growth early in FY26, improving into the back half as Project 420 synergies ($33 M target) and AI-driven greenhouse automation start to flow through.Key Areas To WatchInternational Medical Cannabis Expansion– Germany and Poland were standouts in Q4, with +134% YoY German growth and new self-pay market entry. Investors expect continued EMEA gains under Managing Director Rajnish Ohri, who leads Tilray’s push into the Middle East & Asia.Beverage & Project 420 Margins– Integration of SweetWater, Montauk, and Shock Top has depressed beverage margin (38% vs 53% YoY). The focus this quarter: sequential recovery as SKU optimization winds down and holiday distribution begins.THC & Wellness Flywheel– Hemp-derived THC beverages now reach 1,300 U.S. retail points across 13 states, while HiBall Energy and Manitoba Harvest sustain mid-single-digit growth. Watch for early regulatory commentary on interstate THC distribution.Canadian Cannabis Share Dynamics– After reclaiming the #1 flower slot in Q4 via Redecan & Broken Coast, any volume recovery would signal a turning point in Tilray’s domestic optimization strategy.Cash & Leverage Profile– Last quarter’s free cash flow (–$121 M) and cash balance $256 M left Tilray’s net-debt-to-EBITDA at 0.3× — a manageable base but still sensitive to integration costs. Sustained EBITDA above $25 M would confirm a credible path toward the FY26 goal of $62–72 M.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].Get Live Earning Updates on Tilray BrandsNever miss important earnings news. Get real-time updates delivered directly to your inbox. We'll also deliver our top stock recommendations and weekly market udpates. Signup -- It's Free Thank you for subscribing! Keep an eye on your email for updates. By providing your email address, you agree to receive communications from us regarding website updates and other offerings that may be of interest to you. You can unsubscribe at any time. For more information, please review our Disclaimer and Terms of Use.
Quantum Computing Stocks: The Next Big Move for D-Wave, IonQ, and Rigetti
Quantum computing is still in its early innings, but investors aren’t waiting on the sidelines.D-Wave(NYSE:QBTS),IonQ(NYSE:IONQ), andRigetti Computing(NASDAQ:RGTI) have blown past the S&P 500 year-to-date as investors salivate over the innovative technology’s long-term potential.Artificial intelligence breakthroughs have pushed quantum computing closer to commercialization, and investors have seen the tremendous gains from some AI stocks. ABank of America(NYSE:BAC) analyst believes quantum is “the most important technological race of our generation,” which puts it in the same territory as the AI frenzy, once the technology becomes more commercialized.Big promises like that have been sufficient for many investors, as they wait for quantum computing stocks to produce results that live up to the hype. -->-->Key PointsQuantum computing stocks have beat the stock market year-to-date, but big gains may be ahead.The three quantum computing leaders are making acquisitions and technological progress while forging new partnerships.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->D-Wave (QBTS)D-Wave has been a market leader with its 165% year-to-date return. The company claims it’s the only one in the world that is building annealing and gate-model quantum computers, which can accelerate the path to widespread commercialization.D-Wave closed out the second quarter with an $819 million cash balance and 42% year-over-year revenue growth. The company delivered $3.1 million in sales compared to a market cap that is approaching $10 billion. D-Wave and the other quantum computing stocks on this list are the equivalent of investing in an early-stage startup that has substantial risk and gargantuan potential rewards.The Canadian company signed several contracts with new and returning customers for commercialization and research applications. It has partnerships with international companies, with a strong focus on Asian companies. D-Wave has had more than 100 paying customers for the past four quarters and boosted its total bookings to $1.3 million, representing a 92% year-over-year increase. IonQ (IONQ)IonQ has gained 48% year-to-date and recently eclipsed a $20 billion market cap. It’s widely regarded as the leader in the quantum computing industry. The company has made several acquisitions to boost its moat, such as Oxford Ionics, Lightsynq, and Capella. Revenue surged by 82% year-over-year in the second quarter, which exceeded the top end of guidance. Its $20.7 million in Q2 revenue pales in comparison to its $20 billion market cap, but growth can happen quickly and suddenly in this industry. IonQ also announced that it achieved a 20x speed-up in quantum-accelerated drug development withAstraZeneca(NASDAQ:AZN), AWS, andNvidia(NASDAQ:NVDA). This project has resulted in key partnerships that can fuel meaningful revenue growth for IonQ as quantum computing becomes more commercialized.Rigetti (RGTI)Rigetti is the final big-name on this list, with its $10 billion market cap and 56% year-to-date return. The company aims to develop quantum computers that can “scale to solve problems of staggering computational complexity at unprecedented speed,” as noted on its Investor Relations page.Revenue only came in at $1.8 million in the second quarter, which represented a 41.6% year-over-year decline. A $39.7 million net loss for the quarter wasn’t encouraging, but it reflects how early it is in the quantum computing industry. Rigetti has $571.6 million in available cash to assuage its losses.Rigetti’s multi-chip quantum computer was recently released for general availability. It’s the industry’s largest multi-chip quantum computer. Its technology is near or at the top of the pack, with Rigetti CEO Dr. Subodh Kulkarni sharing some remarks about the technology’s enhancements. “Just 6 months after our record performance with Ankaa-3, we’ve once again halved our error rates with Cepheus-1-36Q. We believe quadrupling our chiplet count and significantly decreasing error rates is the clear path towards quantum advantage and fault tolerance,” Dr. Kulkarni said when sharing Q2 results.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
These Executives Could Replace Starbucks CEO Niccol
When Starbucks Corp. (NASDAQ: SBUX) releases earnings on October 29, the report will likely confirm what many people who follow that company believe. Same-store sales will still be in trouble. Revenue is expected to remain flat, and earnings are projected to decline. CEO Brian Niccol has frantically changed Starbucks’ direction. The latest move was to close several hundred stores. Closing stores is rarely a good tactic when same-store sales are struggling.-->-->24/7 Wall St. Key Points:Expectations for the upcoming Starbucks Corp. (NASDAQ: SBUX) earnings report are low.Perhaps it is time for a new chief executive to be named.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Starbucks’ stock is down 15% in the past year, while the S&P 500 is up 17%. Bad earnings will likely further lower the price.Loading stock data...Niccol tends to give names to his significant corporate changes. The store closing one is called “Project Bloom.” During the last earnings call, he referred to a “Back to Starbucks” strategy. This included creating new barista uniforms, reducing the number of menu items, positioning Starbucks as a local coffee shop, and laying off hundreds of corporate employees.Independent lead director Jørgen Vig Knudstorp will have to push the plan for a replacement. Some of the best candidates:“Founder” Howard D. Schultz, who keeps coming back as CEO when Starbucks is in trouble. Worker unions do not like him, but he knows every aspect of the company.Josh Kobza is Restaurant Brands International’s chief executive officer. The company owns Tim Hortons, Burger King, Popeyes, and Firehouse Subs. He has held positions including chief operating officer, chief technology officer, and chief financial officer. The company has 32,000 locations in 120 countries, and its annual revenue is almost $45 billion.Rick Cardenas is the president and chief executive officer of Darden Restaurants. The company runs Olive Garden, LongHorn Steakhouse, Yard House, Ruth’s Chris Steak House, Cheddar’s Scratch Kitchen, The Capital Grille, Chuy’s, Seasons 52, Eddie V’s, and Bahama Breeze. He also has strategic training from his time at management consulting firm Bain & Company.Scott Mezvinsky, CEO of KFC, reports directly to the CEO of Yum! Brands. KFC is arguably its parent company’s most successful division. He has run the financial and strategy parts of the division, and KFC has 30,000 stores across 150 countries.The board has several good candidates, and it should move now before that stock collapses.Starbucks vs. Luckin: U.S. Icon Slows as Chinese Company SurgesIf You have $500,000 Saved, Retirement Could Be Closer Than You Think (sponsor)Retirement can be daunting, but it doesn’t need to be. Imagine having an expert in your corner to help you with your financial goals. Someone to help you determine if you’re ahead, behind, or right on track. With SmartAsset, that’s not just a dream—it’s reality. This free tool connects you with pre-screened financial advisors who work in your best interests. It’s quick, it’s easy, so take the leap today and start planning smarter!Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)
3 High-Flying Stocks Under $10 to Buy Hand Over Fist Right Now
There’s a small portion of my portfolio I allocate toward companies I’d put in the “higher risk” bucket. For me, that means small caps and companies that trade either under the radar (on the pink sheets) or are generally overlooked by analysts. In many cases, these companies trade under $10 per share. So, for investors looking to own whole shares of stock, and who may be on a tight or fixed budget in terms of what they can allocate to the market on a monthly or annual basis, such companies may be worth considering for those looking for some speculative upside in their portfolios in a bid to beat the market. -->-->Key PointsInvesting should be fun, and holding some exposure to small caps can help amplify overall portfolio returns in bull markets.For those looking for a little growth boost in their portfolios, here are three small caps I’m watching closely right now.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; get started by clicking here.(Sponsor)-->-->Of course, the vast majority of my portfolio (and most invsetors’ for that matter) is in broadly diversified index funds, and that’s the way it probably should be. That said, investing should be fun (at least educational), and picking stocks is something I’ll probably never stop doing.With that said, here are three small cap stocks I’m watching closely right now, and either considering buying (or already have). The Metals CompanyLoading stock data...Vancouver-based The Metals Company (NASDAQ:TMC) continues to be one of the most compelling small cap stocks in any market, at least in my view. The deep sea mining company has developed a unique technology, to be able to pick up golf ball-sized nodules off the ocean floor and bring them to the surface. These nodules contain various critical minerals used for battery and energy storage technologies, including nickel, cobalt, manganese and copper. So, for those bullish on the electrification trends we’re seeing underway, TMC is a sneaky way to play this trade, in my view.The company has received permits to explore the ocean floor in certain locales, and is awaiting confirmation the company will be able to mine for its critical minerals using the U.S. flag. As the earliest mover in this space, there’s clearly the most potential upside with investing in a company like TMC. However, given the nascent nature of this business (and this industry overall), there is significant risk involved here.Accordingly, while the Trump administration and other governments around the world look to deep sea mining to partly replace (or at least compliment) above-ground mining activities, this is a stock I think could be vastly undervalued relative to its future potential. Valued at a market cap of just $3.9 billion, this is one of those under-the-radar small cap stocks I think may be worth a gamble here. Puma BiotechnologyLoading stock data...One of the more compelling small cap picks I’ve come across of late is Puma Biotechnology (NASDAQ:PBYI), a stock that’s absolutely exploded higher of late. Trading at just $5 per share (and 5-times earnings, for that matter), Puma’s core biopharmaceutical portfolio is one of the most undervalued in this space, at least in my view.The company’s key drug is Nerlynx, a cancer drug which has seen solid commercial traction in most of the company’s key markets. Investors have continued to put capital to work in this name over the course of the past year, with PBYI stock actually increasing nearly 90% over this time frame. In other words, investors have a company trading at the $5 level which has strong momentum (and is cheap relative to its earnings). That’s hard to find in the pharma space, which tends to be riddled with unprofitable or extremely overvalued stocks. This is one of the more intriguing drug stocks I think is worth a look, and would encourage investors to take a deeper look at this name. WM Technology (MAPS)Loading stock data...Perhaps the most speculative pick on this list, WM Technology (NASDAQ:MAPS) is an online cannabis marketplace provider, looking to blend the growth potential of both the e-commerce world and the cannabis sector.Thus far, the company has seen some traction, with roughly $183 million in revenue over the past year. Trading a bit above a $200 million market cap, this is a company that’s valued at roughly 1-times sales. So, for those bullish on the cannabis sector, there’s a lot to like about where the company is positioned for future growth.It’s worth pointing out that since the company’s IPO, WM Technology is actually down around 90%. Accordingly, the 12 month move in this stock (up around 30%) needs to be kept in context.Again, this is a highly speculative name. But after the beat down WM Technology has seen in recent years, and hints that a more favorable regulatory environment for cannabis companies may be ahead, there’s a lot to like about this company’s risk/reward upside presently.If You have $500,000 Saved, Retirement Could Be Closer Than You Think (sponsor)Retirement can be daunting, but it doesn’t need to be. Imagine having an expert in your corner to help you with your financial goals. Someone to help you determine if you’re ahead, behind, or right on track. With SmartAsset, that’s not just a dream—it’s reality. This free tool connects you with pre-screened financial advisors who work in your best interests. It’s quick, it’s easy, so take the leap today and start planning smarter!Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)
Build Your Lifetime Income Stream: 5 Dividend ETFs Worth Owning
-->-->Key PointsThese dividend-paying exchange-traded funds are durable and stable.They can boost your dividends and continue doing so for decades.These are among the best dividend ETFs you can buy today for the long term.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->If you are looking for a source of income that outlives you, look into dividend ETFs that are time-tested over decades. The stock market today looks nothing like the stock market two decades ago, and it is likely that many of the top 20 companies will look alien to you in 2045.This means betting on very narrow sector-based ETFs should be out of the equation. Funds that are overly reliant on options should also be avoided, since a short-selling ban like the one in 2008 could be catastrophic for them. Something like that happening in your lifetime is certainly possible.You can always hold those ETFs as satellite holdings, but if your aim is to have five “core” dividend ETF holdings that will compound forever, the following five are worth it:Schwab US Dividend Equity ETF (SCHD)Loading stock data...Schwab US Dividend Equity ETF (NYSEARCA:SCHD)is a passively-managed ETF that tracks the Dow Jones U.S. Dividend 100 Index.It owns 103 large-cap U.S. companies that have paid dividends for at least ten consecutive years. The ETF then scores them on four pillars: cash-flow-to-total-debt, return on equity, dividend yield, and five-year dividend growth.The 103 holdings with the best composite scores are market-cap weighted, so the portfolio tilts toward sturdy cash generators. This includesAbbVie (NYSE:ABBV),Chevron (NYSE:CVX),The Home Depot (NYSE:HD), andAltria (NYSE:MO). All of these companies have long histories and are well-positioned to keep delivering income.SCHD gives you a 3.8% dividend yield with an expense ratio of just 0.06%, or $6 per $10,000.First Trust Morningstar Dividend Leaders Index Fund (FDL)Loading stock data...First Trust Morningstar Dividend Leaders Index Fund (NYSEARCA:FDL)is an index ETF that tracks the Morningstar Dividend Leaders Index. The fund owns 100 large and mega-cap U.S. companies that have maintained consistent and sustainable dividend policies. Stocks are screened for flat or positive 5-year dividend growth and for estimated earnings that cover the indicated dividend.The final list is ranked by indicated yield and is weighted by the dollar value of dividends they are expected to pay, with a 10% cap on any single holding.This has worked wonderfully, and FDL has been one of the most consistent and stable ETFs in the past decade. It yields 4.21% and has an expense ratio of 0.43%, or $43 per $10,000.Vanguard High Dividend Yield Index Fund ETF (VYM)Loading stock data...Vanguard High Dividend Yield Index Fund ETF (NYSEARCA:VYM)tracks the FTSE High Dividend Yield Index. It holds ~583 stocks that are forecast to pay above-average dividends over the next 12 months, excluding REITs.The portfolio is market-cap-weighted, so the biggest, most stable dividend payers are its top holdings. This also lets it avoid value traps because the fund simply owns the higher-yielding half of the dividend-paying universe.If large-cap dividend growers keep raising payouts and rates stabilize, VYM should keep cranking out a cash stream that beats the broad market and remain stable.The dividend yield is lower at 2.4% with an expense ratio of 0.06%. However, you get solid diversification that very few ETFs can provide.Vanguard International High Dividend Yield Index Fund (VYMI)Loading stock data...Vanguard International High Dividend Yield Index Fund (NASDAQ:VYMI)tracks the FTSE All-World ex-US High Dividend Yield Index.The fund starts with large and mid-cap companies outside the U.S., removes REITs and stocks not expected to pay dividends in the next year, and then ranks the rest by expected dividend yield. It keeps the highest-yielding half of that universe and weights each stock by market capitalization.You get exposure to big international firms that can buck the trend if the domestic market is ever hit by volatility. The USD is currently undergoing a decline, and these international firms have delivered higher relative returns.VYMI is up 25.3% year-to-date, and it has a dividend yield of 3.3%. The expense ratio is 0.17%, or $17 per $10,000.Virtus InfraCap US Preferred Stock ETF (PFFA)Loading stock data...Virtus InfraCap US Preferred Stock ETF (NYSEARCA:PFFA)is not like the other ETFs in this list. It invests in preferred shares that are issued by companies with market caps over $100 million.These stocks sit between bonds and common stocks and pay a fixed or floating rate that is distributed before common dividends. This leads to very high yields for ETFs that focus on them.However, the caveat is that you are forgoing upside, but the environment today allows you to capture significant upside due to rate cuts.PFFA is sitting at a discount of ~17% and can recover as interest rate cuts push more investors away from bonds and towards preferreds.PFFA has a 9.09% yield and pays monthly. The expense ratio is 2.48%, or $248 per $10,000, though this is mostly due to interest payments. The management fee is 0.80%.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Invest Here To Get a Piece of OpenAI
-->-->Key PointsYou can’t get a direct stake in OpenAI yet, but there are indirect ways to gain exposure.MSFT and NVDA are the best ways to get an indirect slice of OpenAI, while DXYZ is a pricier option for those willing to risk losing big money to get a bigger slice.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->It’s incredibly disappointing that every day, retail investors still can’t get a piece of Sam Altman’s OpenAI. Indeed, ChatGPT started the ongoing AI race, and it’s still putting its foot on the gas this past week, with the launch of the Sora app and a no-code, drag-and-drop tool to build AI agents. We may be in the final three months of the year, but it’s this final quarter that could prove big for agentic AI, especially following OpenAI’s AgentKit launch.Indeed, there has been a lot of new AI tech in the past week and more that’ll be on the horizon (remember that secretive hardware project with Sir Jony Ive?). Along with the new launches have been some market-moving multi-billion-dollar deals with GPU makers that may have some worrying that deals are starting to get a bit circular, a sign for some that AI might just be moving into bubble territory.Many people think AI is becoming a bit ahead of its skis. However, others are more dismissive of such bubble fears and dire warnings.Indeed, you could make a strong case that the AI trade is getting overheated, but as for a complete tech meltdown, let’s just say I wouldn’t be waiting around on the sidelines with cash and certificates of deposit (CDs), waiting for the collapse to happen. Not while firms like OpenAI look to start making products that might generate significant profits, justifying the seemingly absurd valuation.OpenAI sports $500 billion valuation, but don’t get your hopes up for an IPO anytime soonAt the time of this writing, OpenAI is valued at $500 billion, making it the most valuable private firm in the world. And with OpenAI securing fresh capital and ample GPUs as a part of its latest chip deals, the startup may be less constrained as it looks to move full speed ahead. Indeed, after the latest slate of deals, there really is no need for OpenAI to go public sometime soon!For everyday investors, though, the big question is when one can finally invest in OpenAI?Unless you have the right connections in the venture capital scene, you probably can’t invest directly in OpenAI just yet. And even if OpenAI were to land in the public markets in the future, the odds are it’d be so oversubscribed that investors would probably score an inflated price and lose money immediately off the bat as the IPO boom and bust plays out.With no plans for an OpenAI IPO, there are only so many options for investors who are keen to get a piece of the rising AI star as it looks to become a multi-trillion-dollar entity one day.Microsoft and Nvidia shares will get you indirect exposureAt this juncture, there are ways to get some partial exposure via publicly-traded securities, most notablyMicrosoft(NASDAQ:MSFT) andNvidia(NASDAQ:NVDA), which have a stake in Sam Altman’s firm. Of course, you’ll just get a slice of OpenAI with these multi-trillion-dollar titans. Though the exact amount does not seem large enough to be meaningful.Either way, both Magnificent Seven AI tech titans will win big if OpenAI does. Additionally, the expansion of partnerships might just be in the cards for the two firms that clearly see potential in Sam Altman’s vision.DXYZ is another way to get a slice of Sam Altman’s empire, but the price seems way too steep.Beyond MSFT and NVDA, some funds that invest in private entities, like theDestiny Tech100(NYSE:DXYZ) can grant investors exposure to OpenAI as well as SpaceX and other private firms. Today, OpenAI comprises just under 7% of the DXYZ.With a lofty 2.5% annual management fee (which seems warranted since there aren’t many closed-end funds like it) and a history of trading at a massive NAV (net asset value) premium, though, one will pay an unfathomably high price to get a small bit of OpenAI.If You have $500,000 Saved, Retirement Could Be Closer Than You Think (sponsor)Retirement can be daunting, but it doesn’t need to be. Imagine having an expert in your corner to help you with your financial goals. Someone to help you determine if you’re ahead, behind, or right on track. With SmartAsset, that’s not just a dream—it’s reality. This free tool connects you with pre-screened financial advisors who work in your best interests. It’s quick, it’s easy, so take the leap today and start planning smarter!Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)
The ETFs Running Way Past The S&P 500 Right Now
-->-->Key PointsThe ETF world has expanded to comprise an enormously broad range of indexes, sector stock combinations, and select criteria, creating a product to satisfy an increasingly discriminating investment market. At the time of this writing,Barron’scites the S&P 500 Index year-to-date return at 14.3%.There are a number of ETFs that not only outperform the S&P 500’s return rate but do so exponentially.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->The S&P 500 has served as an excellent benchmark for the state of U.S. economy for decades. Its reliability, touted by icons like Warren Buffett, has become such that S&P 500 exchange-traded funds (ETFs) from Vanguard, State Street and BlackRock — among others — are among the largest in the industry. However, the “buy it and forget it” approach of investing solely in the S&P 500’s appreciation may often leave potentially larger gains on the table. The S&P 500’s year-to-date return is impressive at 14.44%. However, there are ETFs on the market that are registering exponentially larger year-to-date returns of over 9x, 6x and 4x. They are available now, and they aren’t from obscure issuers with low trading volume. Here are three examples worth investors’ consideration:iShares MSCI Global Gold Miners ETFLoading stock data...For centuries, gold has been the default repository to store wealth. The tale of how Archimedes discovered gold fraud being perpetuated on King Hiero II of Syracuse is still told today. Although the present day context is more in terms of physics and water displacement, the notion that gold was valuable and someone tried to steal it in ancient times remains unchanged today.Gold has long been coveted as a hedge against inflation and currency debasement. Fiat currency, profligate spending by Congress, and 9.1% Bidenomics-fueled inflation has spurred a bull run on gold prices that began in 2022 and continues to the present, with prices at all time highs and closing in on a historic $4,000 per ounce. BlackRock, the largest asset manager on the planet with over $12 trillion in its coffers, naturally has an ETF for gold, and more specifically, gold mining. TheiShares MSCI Global Gold Miners ETF (NASDAQ: RING)invests in a portfolio of global gold mining stocks. Its year-to-date return is an eye-popping+134.80%. This equates to 9.4x the S&P 500 Index returns. RING uses the MSCI ACWI Select Gold Miners Investable Market Index as its benchmark.As a BlackRock ETF, RING has the automatic imprimatur of safety due its issuer pedigree, and its preeminence in the gold and gold mining ETF arena demonstrates this. YTD Total Return+134.80%Yield0.71%Net Assets$2.34 billionExpense Ratio0.39%52-wk low$27.70Holdings4152-wk high$66.511-Year Return101.61%Average Daily Vol.398,040 shares5-Year Return17.31%NAV$65.4910-Year Return20.85%Top 10 Holdings:NameTKRPCTNameTKRPCTNewmontNEM15.13%Kinross Gold Corp.K4.49%Agnico Eagle MinesAEM13.29%Anglogold Ashanti PLCANG4.35%Barrick MiningABX 8.32%Zijin Mining Grp28994.13%Wheaton Precious MetalsWPM 6.81%Alamos Gold Inc.AGI2.97%Gold Fields Ltd.GFI 4.67%Coeur Mining IncCDE2.87%Steve Forbes recently published an article inForbesthat gave a hint as to why gold may not only continue its bull run, but steepen its appreciation curve in the future. President Trump has made no secret of his desire to cancel federal income tax and return to the gold standard, as it was featured in numerous campaign speeches back in 2016. The architect of his gold policy was Judy Shelton, a Stanford scholar, and one of his past Federal Reserve governors’ board nominees. Forbes cited her book’s hypothetical issuance of US Treasury gold bonds that could be redeemed in physical gold as a way to finally end the Federal Reserve’s runaway printing presses of dollars and continual currency debasement. Given that Treasury Secretary Scott Bessent has also mentioned ending federal income tax in several interviews, a US Treasury gold bond could be the tool to achieve that end, and would also boost gold prices way past the $4,000 near-term target. GlobalX Defense Tech ETFLoading stock data...Since President Ronald Reagan effectively ended the Cold War through a policy of “Peace through Strength”, the United States had entered a series of international wars that abruptly came to a halt with the presidency of Donald Trump during his first term, and has seen the end of half a dozen overseas wars during the first year of his second term — all without sacrificing the life of a single U.S. soldier. Trump’s unparallelled negotiation skills certainly deserve the lion’s share of the credit. However, the supremacy of US military technology also plays a major part of the intimidation factor that has allowed him to successfully get long-standing enemies to agree to peace terms. TheGlobal X Defense Tech ETF (NYSEARCA: SHLD)tracks the Global X Defense Tech Index, which includes companies from around the globe involved with designing, developing, and producing all types of military defense and weaponry products. The range includes the entire gamut: logistics, IT, communications, detection, munitions, et al. SHLD’s year-to-date return at the time of this writing is+89.66. This is 6.2x the returns of the S&P 500. SHLD is relatively new; its inception date was (ironically) 9-11-2023. YTD Total Return+89.66Yield0.37%Net Assets$5.22 billionExpense Ratio0.50%52-wk low$36.61Holdings4252-wk high$71.141-Year Return87.06%Average Daily Vol.1.13 million shares5-Year Returnn/aNAV$70.3610-Year Returnn/aTop 10 Holdings:NameTKRPCTNameTKRPCTPalantir PLTR8.40%General DynamicsGD4.60%Rheinmetall AGRHM.GR7.79%Northorp GrummanNOC4.57%RTX CorpRTX7.53%Leidos Holdings Inc.LDOS4.53%BAE Systems PLCBA/LN7.12%L3Harris TechnologiesLHX4.47%Lockheed MartinLMT7.05%Leonardo SPALDO.IM4.44%The AI component to modern warfare cannot be overemphasized in the current era. A recent Zacks article analyzed that “AI provides a critical edge by enabling militaries to process vast amounts of data from sensors, drones and satellites in real-time. This capability has become vital for making rapid, data-informed decisions on the battlefield, optimizing logistics and identifying threats with unprecedented precision.” As a result, companies like Palantir are considered indispensable for many defense systems. General Dynamics’ recent $1.5 billion STRATCOM (Strategic Command) IT contract further exemplifies this urgency. In order for President Trump’s peace agreements to be maintained, the deterrent factor of US military lethality is essential – hence the new announced policies from Secretary of War Pete Hegseth, and the rebuilding of naval fleets, transport vehicles, aircraft, and missiles – much needed replacement after the botched Afghanistan withdrawal and the depletion of armaments sent to Ukraine under Joe Biden’s watch. The Pentagon has already started its buying spree, and defense sector companies are on the rise accordingly. ARK Next Generation Internet ETFLoading stock data...When it comes to cutting-edge technology funds, Cathie Wood’s ARK Invest family of funds is certainly one of most investors’ top three names that come to mind. The controversial and outspoken Wood has gambled often on risky technology and cryptocurrency plays, and has been on the winning side more often than one of her harshest critics,Mad Moneyhost, James Cramer. As she covers the technology sector exclusively, Wood separates her various ETFs into technology subsectors, such as: biotech, robotics, cutting-edge innovation, etc. ARK Next Generation Internet ETF (BATS:ARKW)is ARK Invest’s internet and cloud technology ETF. It includes companies involved with infrastructure, products and services, fintech, big data, Internet of Things, social media, and other internet based functions. ARKW is up+64.54%year-to-date. This is 4.5x the returns of the S&P 500 Index. Its inception date was 9-30-2014. As Wood actively manages ARKW, its holdings are subject to change on an almost daily basis. There are seven categories of stocks in ARKW:Intelligent devicesNext generation cloudNeuro networksDigital walletsAutonomous mobilityCryptocurrenciesSmart contractsYTD Total Return+64.54%Yieldn/aNet Assets$2.56 billionExpense Ratio0.82%52-wk low$78.62Holdings35-5552-wk high$178.491-Year Return114.89%Average Daily Vol.329,659 shares5-Year Return10.75%NAV$176.2610-Year Return25.91%Top 10 Holdings:NameTKRPCTNameTKRPCTTesla, Inc. TSLA9.66%Advanced Micro DevicesAMD4.43%Roku, Inc.ROKU5.44%RobinHood MarketHOOD4.36%Coinbase GlobalCOIN5.24%PalantirPLTR4.32%Roblox Corp.RBLX5.17%Circle Internet GrpCRCL3.36%Shopify, Inc.SHOP.TO4.71%BitMine ImmersionBMNR2.98%Cathie Wood truly scours the globe for tech opportunities, and fearlessly will bet big on companies way ahead based on theoretical predictions and sometimes years ahead of their breakthroughs. Her belief in Elon Musk’s Optimus robot project made her a much earlier big Tesla investor ahead of later validation announcements. Her most recent prescient bet on China’s AliBaba only 2 weeks ago when its ADR was at $162, came shortly ahead of its recent AI announcements, sending the ADRs to the $190 vicinity. While Cathie Wood has also had to take losses on some of her past investments, leading toMorningstarcalling her a “wealth destroyer”, she has made some strong bets in the past that has kept her in the spotlight. ARK does not appear to be going out of business anytime soon, and if ARKW keeps up its trajectory, she will be getting even more incoming investment funds. Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Gold Miners Doing Well During AI-Led Chip Rally
Gold priceshave surged over 45% in 2024, reaching multiple record peaks and heading toward their strongest annual performance in 45 years. Beyond purchases by central banks, the precious metal has gained momentum from the Federal Reserve’s interest rate reductions, the global shift away from dollar dependence, and increased investment in gold ETFs. In addition, with the stock market seemingly printing new all-time highs every week, gold and the gold miners are seen as a solid hedge against a market meltdown after a massive run since 2022.-->-->24/7 Wall St. Key Points:With the stock market trading at all-time highs, owning some gold now makes total sense.Many top analysts see the potential for gold to trade up to and over the $5000 level over the next year.With central bank buying going on almost unabated, you can bet that the spot price for gold will continue to have solid support.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->For yearsbefore the massive rally in gold, there was a degree of scorn from Wall Street and “so-called” investment professionals for those who invested in Gold. Laughed at as “Gold Bugs,” the argument against the precious metal, even though Gold is one of the most significant financial assets in the world and central banks have been loading up on the commodity, is that it’s not typically a tradable investment. Warren Buffett owns zero and has previously said it is an investment with “no utility.”The case for gold and goldminers is compelling for two reasons. Firstly, gold can serve as a strategic hedge against inflation. Secondly, some top miners extract silver and other essential commodities for industrial applications. Spot gold has surged above the highs reached in the summer of 2020, and from a technical perspective, the gold market is showing signs of a potential massive breakout to higher levels.We screenedour 24/7 Wall St. gold mining database’s current best ideas, and all offer attractive entry points. We always like to remind our readers thatthe SPDR GoldShares ETF (NYSE: GLD) is one of the best pure plays on Gold for investors. The trust that sponsors the fund holds physical gold bullion and a portion of cash. Each share represents one-tenth of an ounce of gold. Please note that the fund does not pay a dividend.Loading stock data...Why do we cover Gold Mining stocks?Proper assetallocation should always include at least a single-digit percentage holding of precious metals, such as gold and silver. Not only do they hedge against inflation, which could be significant now and in the long term, but they can also help if the market enters a correction or bear market mode, as they tend to trade inversely to markets that are trading down.Agnico Eagle MinesLoading stock data...This is oneof the best-known miners and a top pick for conservative accounts seeking a gold position that pays a small 0.94% dividend. Agnico Eagle Mining Ltd. (NYSE: AEM) is a Canada-based and led senior gold mining company engaged in producing precious metals from operations in Canada, Australia, Finland, and Mexico, with a pipeline of exploration and development projects.Its operations include:Canadian Malartic ComplexDetour LakeFostervilleGoldex, KittilaLa IndiaLaRonde ComplexMacassaMeadowbank ComplexMeliadinePinos AltosIts explorationsites include:BarseleDeltaDubuissonEl BarquenoHammond ReefHope BayJenningsMorelos SurNorth MadsenNorthern TerritoryPandora/Wood-PandoraThe CanadianMalartic complex is located in the town of Malartic, 25 kilometers (km) west of Val-d’Or in northwestern Quebec.The Fostervillemine is a high-grade, low-cost underground gold mine, located 20 km from the city of Bendigo. It also owns a 100% interest in all its properties (128,680 hectares) in Quebec. Its projects also include Marban Alliance, Horizon, Alpha, Launay, Peacock, and others.AngloGold AshantiLoading stock data...Somewhatoff the radar, this stock may offer the most attractive entry point with a 1.29% dividend yield. AngloGold Ashanti PLC (NYSE: AU) is a global gold mining company with a diverse portfolio of operations, projects, and exploration activities in 10 countries, across four continents.The Company’sdiverse portfolio includes approximately 11 operations in:ArgentinaAustraliaBrazilThe Democratic Republic of the CongoEgyptGhanaGuineaTanzaniaThe Company’sportfolio includes Africa, the Americas, and Australia.Its African portfolio includes Kibali, managed by Barrick Gold Corporation, as well asEgypt (Sukari), Ghana (Iduapriem and Obuasi), Guinea (Siguiri), and Tanzania (Geita).The Americashosts three of its operations, one in Argentina and two in Brazil, as well as two greenfield projects in Colombia and a significant new greenfield development in Nevada, United States.Australia hoststwo of its operations, which include Sunrise Dam and Tropicana, both located in the north-eastern goldfields of Western Australia.Barrick MiningLoading stock data...Barrick Goldis a mining company that produces gold and copper with 16 operating sites in 13 countries. This stock is a top contender in the sector, offering a promising entry point and a 2.20% dividend. Barrick Mining Corporation (NYSE: B) and Randgold Resources completed their merger on January 1, 2019, propelling them to the forefront as the world’s largest gold company in terms of production, reserves, and market capitalization.The companyholds a:50% interest in the Veladero mine located in the San Juan Province of Argentina50% interest in the KCGM, a gold mine located in Australia95% interest in Porgera, a gold mine located in Papua New Guinea50% interest in the Zaldavar, a copper mine located in Chile50% interest in the Jabal Sayid, a copper mine located in Saudi ArabiaBarrick alsoowns gold mines and exploration properties in Africa, as well as gold projects in South America and North America. It has a strategic cooperation agreement with Shandong Gold Group Co., Ltd.Endeavor SilverLoading stock data...This is a small-capgem with significant upside potential. Endeavor Silver Corp. (NYSE: EXK) is a Canada-based mid-tier precious metals company. With operations in Mexico and Peru, and the development of its mine in Jalisco state, Terronera focuses on contributing to the mining industry and the communities in which it operates.In addition, it has a portfolio of exploration projects in Mexico, Chile, and the United States.It has twoproducing silver-gold mines in Mexico:Guanacevi Mine in Durango (the Guanacevi Project)Bolanitos Mine in Guanajuato (the Bolanitos Project)In additionto operating these two mines, the Company is advancing one development and two exploration projects in Mexico:The Terronera property in Jalisco state (the Terronera Project)The prospective Pitarrilla property in Durango StateThe Parral properties in ChihuahuaKolpa, itsthird producing mine, is a silver mine located in the Huachocolpa region of Huancavelica Province, Peru. Its other exploration projects include Bruner, Aida, and Lourdes.Franco-NevadaLoading stock data...Franco-NevadaCorporation is a Toronto, Ontario, Canada-based gold-focused royalty and streaming company. This is another off-the-radar play that offers numerous opportunities for investors to generate returns and pays a small 0.67% dividend. Franco-Nevada Inc. (NYSE: FNV) is a gold-focused royalty and streaming company in Latin America, the United States, Canada, and internationally.It operatesthrough two segments:MiningEnergy segmentsThe companymanages its portfolio with a focus on precious metals, such as gold, silver, and platinum group metals. It engages in the sale of crude oil, natural gas, and natural gas liquids.While thecompany is one of the leading gold-focused royalty and streaming companies, with the largest and most diversified portfolio of cash-flow-producing assets, its business model provides investors with gold price and exploration optionality while limiting exposure to cost inflation. Traits that some of the others don’t offer.Kinross GoldLoading stock data...Kinross GoldCorporation (NYSE: KGC) is a gold mining company with operations and projects in the United States, Brazil, Mauritania, Chile, and Canada, offering a small dividend yield of 0.47%. The Company is engaged in gold mining and related activities, including exploration and acquisition of gold-bearing properties, the extraction and processing of gold-containing ore, and reclamation of gold mining properties.Its operationsand projects include:Fort Knox,Round Mountain,Bald Mountain,Manh Choh,Paracatu,La CoipaTasiastthe Great Bear projectFort Knoxis an open-pit gold mine located near Fairbanks, Alaska. Round Mountain is an open-pit mine located in Nevada. Paracatu is a cornerstone operation located near the city of Paracatu in Brazil’s Minas Gerais region.The Tasiastmine is an open-pit operation located in northwestern Mauritania. The La Coipa mine is located in the Atacama region in Chile. The Great Bear is a development project in Canada.Get Ready To Retire (Sponsored)Start by taking a quick retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes, or less. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests. Here’s how it works: 1. Answer SmartAsset advisor match quiz 2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles. 3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future.
4 Strong Buy S&P 500 High-Yield Dividend Stocks With Low PEs Are Bargains
The S&P 500 Index,weighted by market capitalization, currently has a high price-to-earnings (P/E) ratio of 25, which is way above its historical average. This is primarily due to the dominance of mega-cap tech companies, which account for nearly half of the index’s weight through the Information Technology, Communication Services, and Consumer Discretionary sectors. However, when the index is equal-weighted, mitigating the influence of these tech giants, the average stock’s valuation aligns closely with historical norms, appearing neither particularly cheap nor excessively overpriced.-->-->24/7 Wall St. Key Points:The mega-cap Magnificent 7 stocks have led a nearly three-year stock market rally, which has propelled all major indices to all-time highs.While the Magnificent 7 stocks are overbought and could benefit from a pullback, numerous top S&P 500 high-yield dividend stocks are trading at less than 10 times earnings.As we enter October, investors should be cautious, as mutual funds and other institutional investment managers will begin to settle their books for the end of their fiscal year.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Several ofour favorite S&P 500 dividend-paying stocks are currently trading at incredibly low price-to-earnings ratios, offering value opportunities for income-focused investors. These companies span diverse sectors, including telecommunications, consumer staples, automotive, and insurance, providing both dividend income and potential upside if the market reassesses their valuations. However, investors should exercise caution when evaluating low P/E stocks, as these compressed valuations sometimes reflect legitimate concerns about industry headwinds, competitive pressures, or slower growth prospects.While a lowP/E ratio can signal an attractive entry point for patient investors willing to hold through volatility, it’s smart to understand the underlying reasons for the discount. Strong fundamentals, such as solid cash flow, manageable debt levels, and sustainable dividend payout ratios, are crucial indicators that separate genuine value opportunities from value traps. We screened our 24/7 Wall St. low PE, high-yield dividend stock screen and identified four bargains, all of which are Buy-rated by top Wall Street firms and are currently on sale.Why do we cover the high-yielding S&P 500 dividend stocks?Since 1926,dividends have contributed approximately 32% of the total return for the S&P 500, while capital appreciation has contributed 68%. Therefore, sustainable dividend income and capital appreciation potential are essential for total return expectations. A study by Hartford Funds, in collaboration with Ned Davis Research, found that dividend stocks delivered an annualized return of 9.18% over the past 50 years (1973-2023). Over the same timeline, this was more than double the annualized return for non-payers (3.95%).APALoading stock data...This islikely one of the best energy ideas currently, with a trailing P/E ratio of 7.1 and a stellar dividend yield of 4.05%, making it an outstanding choice for both growth and income investors. APA Corp. (NYSE: APA) is an independent energy company.The companyowns subsidiaries that explore for and produce oil and natural gas in:United StatesEgyptUnited KingdomSurinameAPA’supstream business has oil and gas operations in three geographic areas: The United States, Egypt and offshore the United Kingdom in the North Sea (North Sea).It also hasactive exploration and appraisal operations ongoing in Suriname, as well as interests in Uruguay and other international locations.APA maintainsa diversified asset portfolio, including conventional and unconventional, onshore and offshore, oil and natural gas exploration and production interests. In the United States, operations are primarily focused on the Permian Basin of West Texas. APA also has conventional onshore assets in Egypt’s Western Desert and offshore assets on the United Kingdom’s Continental Shelf.Raymond Jameshas a Buy rating with a $28 target price.ComcastLoading stock data...Comcast Corp.(NYSE: CMCSA) is an American multinational telecommunications and media conglomerate with a dividend yield of 4.04% and a forward P/E ratio of 7. This top media and entertainment company remains a favorite among Wall Street investors. Comcast is a global media and technology company.It operatesthrough four segments:Residential Connectivity & PlatformsBusiness Services ConnectivityMedia, StudiosTheme ParksThe ResidentialConnectivity & Platforms segment offers residential broadband and wireless connectivity services, as well as residential and business video services, Sky-branded entertainment television networks, and advertising.The BusinessServices Connectivity segment offers connectivity services for small business locations, including broadband, wireline voice, and wireless services. It also provides solutions for medium-sized customers, larger enterprises, and small businesses, as well as connectivity services in the United Kingdom.The Mediasegment operates NBCUniversal’s television and streaming business, including:National and regional cable networksThe NBC and Telemundo broadcast networksOwned local broadcast television stationsPeacock, a direct-to-consumer streaming serviceIt also operatesinternational television networks comprising the Sky Sports networks and other digital properties.The Studiossegment operates NBCUniversal and Sky film and television studio production and distribution operations.The ThemeParks segment operates Universal theme parks in:Orlando, FloridaHollywood, CaliforniaOsaka, JapanBeijing, ChinaThe Goldman Sachsprice target for the shares is set at $39.Conagra BrandsLoading stock data...Conagra BrandsInc. (NYSE: CAG) manufactures and sells products under various brands in supermarkets, restaurants, and foodservice establishments. This is the ideal company for nervous investors, as it pays shareholders a substantial and secure 7.7% dividend, which has risen due to the stock price drop, which rests at 9.7 times forward earnings estimates. However, the payout’s sustainability is supported by a payout ratio of about two-thirds of earnings. Conagra and its subsidiaries operate primarily as a consumer packaged goods food company in the United States.The companyoperates through four segments:Grocery & SnacksRefrigerated & FrozenInternationalFoodserviceThe Grocery& Snacks segment primarily offers shelf-stable food products through various retail channels.The Refrigerated& Frozen segment provides temperature-controlled food products through various retail channels.The Internationalsegment offers food products in various temperature states through retail and food service channels outside the United States.The foodservice segment offers branded and customized food products, including meals, entrees, sauces, and various custom-manufactured culinary products packaged for restaurants and other food service establishments.The companysells its products under these familiar brands:Birds EyeMarie Callender’sDuncan HinesHealthy ChoiceSlim JimReddi-WipAngie’sBOOMCHICKAPOPBarclays hasan Overweight rating with a target price of $26.VerizonLoading stock data...Verizon CommunicationsInc. (NYSE: VZ), commonly known as Verizon, is an American multinational telecommunications company that continues to offer tremendous value. It trades 9.13 times its estimated 2026 earnings, pays a 6.28% dividend, and is up almost 9% in 2025. Verizon provides a range of communications, technology, information, and entertainment products and services to consumers, businesses, and government entities worldwide.Verizon’s interestcoverage ratio is 4.6× to 5.0× trailing 12 months, which offers more than enough cushion for dividend payments. With a very predictable revenue stream from telecom services, the company has less exposure to commodity cycles. In addition, the large scale helps in financing and absorbing shocks.It operatesin two segments:Verizon Consumer GroupVerizon Business GroupThe Consumersegment provides wireless services across the United States through Verizon and TracFone networks, as well as through wholesale and other arrangements.It also providesfixed wireless access (FWA) broadband through its wireless networks and related equipment and devices, such as:SmartphonesTabletsSmartwatches and other wireless-enabled connected devicesThe segmentalso offers wireline services in the Mid-Atlantic and northeastern United States through its fiber-optic network, Verizon Fios product portfolio, and copper-based network.The Businesssegment provides wireless and wireline communications services and products, including:FWA broadbandDataVideo and conferencingCorporate networkingSecurity and managed networkLocal and long-distance voiceNetwork accessservices to deliver various IoT services and products to businesses, government customers, and wireless and wireline carriers in the United States and internationally.Goldman Sachs has a Buy rating and a price target of $49.If You’ve Been Thinking About Retirement, Pay Attention (sponsor)Retirement planning doesn’t have to feel overwhelming. The key is finding expert guidance, and SmartAsset’s simple quiz makes it easier than ever for you to connect with a vetted financial advisor. Here’s how:Answer a Few Simple Questions. Get Matched with Vetted Advisors Choose Your Fit Why wait? Start building the retirement you’ve always dreamed of.Get started today! (sponsor)
NVIDIA’s Jensen Huang Sees OpenAI as Next Trillion-Dollar Company—Is He Right?
WheneverNvidia(NASDAQ:NVDA) CEO Jensen Huang makes a statement, everyone is sure to be talking about it for weeks on end. And, of course, some of his future-forward AI commentary is sure to make headlines. With the GPU maker continuing to fire on all cylinders ahead of its next big release cycle, questions linger as to what’s next for the AI boom.After announcing plans to invest up to $100 billion in OpenAI, Huang expressed his enthusiasm for OpenAI, going as far as to predict that it’d be the next multi-trillion-dollar company while also remarking on the ChatGPT maker’s impressive growth rate. Indeed, with two of the biggest forces in this AI revolution partnering up in a deal that’s sure to be transformative, it’s hard not to grow euphoric about the state of the AI trade again.-->-->Key PointsOpenAI’s AI growth might take it all the way to a $1 trillion market cap. Don’t doubt Jensen Huang’s bold prediction as OpenAI secures another chip deal.OpenAI’s new Sora app could disrupt the social media landscape. Meta is ready to go with its own similar product.The Sora 2 model has improved greatly in just over a year. It’s only going to get better.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->OpenAI’s partnership with AMD is also hugeMore recently, OpenAI announced that it had also entered a multi-year partnership withAdvanced Micro Devices(NASDAQ:AMD), a move that sent shares of AMD rocketing close to 24% in a single trading session. With enough GPU support and a big vote of confidence from Jensen and Nvidia, I do think OpenAI may very well sport a valuation north of $1 trillion sooner than a lot of people think.Of course, if we are in an AI bubble (I personally do not think we are in one), it could take a lot longer for OpenAI to rise through the market cap standings. Either way, I do believe that Huang’s seemingly outlandish prediction has a high chance of proving true, especially as OpenAI looks to lead the way in this fourth industrial revolution, not only with new large language models (think GPT-6), but new AI-powered apps and agentic AI technologies en route to an eventual artificial general intelligence (AGI).With deals in the books for the two GPU titans, I think there isn’t much that’s stopping OpenAI from continuing its ascent and bringing the AI trade to new levels. OpenAI’s Sora is a profound technology and one that could reignite AI hypeWith Sam Altman’s OpenAI launching its AI-generated video social app Sora just last week on an invite-only basis, it feels like the ChatGPT-maker that kicked off the AI revolution is about to usher in a new era of AI applications, ones that could kick off another hype cycle and continued rally into year’s end.After having spent a few hours with the Sora app, I must say it’s as impressive as it is entertaining. The Sora 2 model has improved over the Sora 1 model by leaps and bounds. It really is hard to believe how far the technology has advanced since Sora 1 debuted last year.That said, the big question of copyright remains a giant question mark in these early stages. For now, it seems like the guardrails in place aren’t perfect. Either way, it’s going to be interesting to see where the Sora app heads next as it opens up to the world while a new wave of competition looks to get in on the AI-generated social app scene.Of course, it’s too soon to tell if the Sora app, which runs on its latest Sora 2, is the start of something big. Leaping to the top spot on theApple(NASDAQ:AAPL) App Store, I think, is nothing short of encouraging.Either way, it seems likeMeta Platforms(NASDAQ:META) isn’t willing to wait around, given all that there is to gain as AI looks to change the way we think about social media apps. With Meta also rolling out Vibes, a feed centered around AI-generated content, it seems like the AI social app boom is upon us.The bottom lineThough it’s hard to know what the future holds for Sora and OpenAI, I think people should get ready for more AI-driven apps to start landing. Whether we’re talking about AgentKit, GPT-6, or something else that’s surprising, I do not doubt that OpenAI can continue its blistering growth rate as it seeks to uncover what its technology is capable of.Also, if Sora 2 has advanced so much in just over a year, one can only wonder how much better the model will be next year and the year after that. At this pace, I can’t help but agree with Jensen when he speaks highly of OpenAI and its AI growth potential.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Nvidia Stock Heading to $250? Is This Target Realistic?
It’s been a bumpier ride for shares of AI chip titanNvidia(NASDAQ:NVDA) over the past year, but the ride has been worth staying on, at least so far. With the stock up 50% in the past year or just over 31% year to date, the pace of gains has been relatively modest. Despite this, there are still more than a handful of bulls who view the nearly $4.5 trillion Magnificent Seven giant as having enough gas left in the tank to move the needle higher.Indeed, it’s still been a hot year of growth, but given where expectations stood going into 2025, that translated to a decent, but not meteoric, first three quarters of gains. In any case, the GPU top dog has a ton of capital to invest in initiatives well beyond its own to capitalize on the AI boom as well as other rising tech trends, such as the Omniverse, robotics, and even quantum computing. Indeed, whenever Jensen Huang remarks on the state of quantum computing, the stocks in the space tend to react massively. -->-->Key PointsNvidia stock might not be as scorching hot this year, but it’s tough to be anything but bullish as the firm invests in other AI bets.It might not be all too long before NVDA stock hits the $6 trillion market cap level, especially if the AI trade is ready to sprint into 2026.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->Nvidia has been making some big deals across the AI space of late. Don’t discount them.With a handful of notable investments made by Nvidia in recent months, including the $100 billion stake in ChatGPT maker OpenAI, it seems like Nvidia is well-equipped to capture more of the upside from the software side of AI. If Nvidia does continue to make more such strategic bets, it’s about time that investors think of the firm as more than just a GPU maker. Now, Nvidia already has a powerful software ecosystem that’s fuelled momentum in its hardware business.At the end of the day, you need good software and tools to make the most of the hardware. With the Nvidia Cosmos Platform showing early promise as an ecosystem ahead of the potential rise of physical AI, it seems like Jensen Huang and his team are already ready for the next wave and the wave after that. In any case, I think it’s Nvidia’s software lineup that helps spin the hardware flywheel as fast as it can go. With Wedbush Securities analyst Dan Ives recently setting his sights on a $6 trillion market cap and the next phase of the AI spending “wave,” I don’t think the current Street-high price target of $250 per share is unreasonable in the slightest. Perhaps the most striking thing that Ives said about Nvidia is that the firm may stand to benefit from a revenue “multiplier” effect from the amount of capital the GPU titan puts up. I couldn’t agree more.Perhaps it’s Nvidia’s latest spending spree that could help drive upward momentum in the shares until its next big product works its way into a future quarter.It’s not just about the OpenAI investmentIt’s not just the $100 billion bet on Sam Altman’s OpenAI that makes Nvidia an even more powerful force in AI. The company’s big bet onIntel(NASDAQ:INTC), I believe, is a fantastic deep-value bet that could pay off significantly as the sagging semi firm looks for help to get back on its feet. As Intel explores more investments from other tech titans across the AI scene, it’s looking like Intel’s future stands to be a lot brighter than just a few months ago. Undoubtedly, the big-league bets on OpenAI and Intel are going to be making headlines. However, it’s the deals that don’t get all too much coverage that also stand to be major difference makers over the long term. Take the relatively small $700 million Nscale deal or the slew of strategic bets under $1 billion (think LLM firms like Mistral AI and Cohere) the firm has made in recent years. Indeed, Nvidia has spread its chips quite nicely across the AI table. And with Jensen Huang likely giving his blessing to each one of the bets, I’d many of the smaller bets have the potential to stand out as a huge winner.Many analysts are still pounding the tableIt’s lonely to be in the camp that’s anything less than bullish these days, with Nvidia continuing to defy expectations while getting the AI investment crowd hyped up with recent investments. With Loop Capital hanging onto its $250 price target, which entails a 38% move from here, I’d be inclined to stay the course as the firm runs into what Loop sees as a “Golden Wave” as demand for AI chips and gear for data centers stays hotter for a while longer.It’s not just superior chips that could cause Nvidia to keep growing faster than its much smaller rivals. Smart investments (like in OpenAI, Intel, and smaller, lesser-known LLM makers) and powerful software also make Nvidia an undisputed AI champion. Though NVDA stock may very well be on its way to $250, investors shouldn’t expect a smooth ride higher, especially if AI bubble fears amplify with every up day in markets.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
The SEC Wants to Allow Blockchain Stock Trading. Here Are 2 Big Winners and 1 Loser
-->-->Key PointsThe SEC’s plan to allow blockchain stock trading permits tokenized stocks on crypto exchanges for faster, 24/7 trading.It could lower costs but raises regulation concerns for investors.The plan creates opportunities for some trading firms while threatening others.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->The Securities & Exchange Commission (SEC) is developing a plan to let blockchain-based versions of stocks trade on approved cryptocurrency exchanges. As part of the regulatory body’s crypto push, the plan would allow tokenized shares — digital representations of traditional stocks — to operate like cryptocurrencies, with near-instant settlements instead of the current T+1 day wait.The proposal could enable 24/7 trading, cut costs because of the blockchain’s efficiency, and open markets to more retail investors through apps. There are risks, of course, including regulatory gaps and potential fragmentation. While it won’t impact most stocks as an investment, there could be some big winners from the scheme, and a couple of losers too. Below are two stocks that could gain most from the SEC allowing blockchain stock trading — and one to avoid.Stock to Buy No. 1: Robinhood Markets (HOOD)Robinhood Markets(NASDAQ:HOOD) stands to benefit significantly from the SEC’s blockchain plan. The company already offers tokenized U.S. stocks and ETFs to users in Europe through its Robinhood Chain on the Arbitrum network, including names likeNvidia(NASDAQ:NVDA) andApple(NASDAQ:AAPL). If approved, this could extend domestically, allowing seamless integration of stocks with crypto on its platform. Robinhood has lobbied aggressively for exemptions, positioning itself to attract more retail traders seeking 24/7 access and low fees. This shift would boost trading volumes, as tokenized assets reduce settlement times and appeal to younger users blending stocks and digital currencies. Loading stock data...Recent filings show Robinhood’s crypto revenue surging, and blockchain adoption could diversify its income beyond commissions, driving share value higher amid a pro-crypto regulatory environment. Analysts note its market cap of over $123 billion is larger than more established exchange operators, includingNasdaq(NASDAQ:NDAQ),Intercontinental Exchange(NYSE:ICE), andCME Group(NYSE:CME), reflecting investor confidence in diversified growth. However, competition from pure crypto players remains a watch point, but overall, HOOD looks like a strong buy for those betting on tokenized trading’s rise.Stock to Buy No. 2: Coinbase Global (COIN)Coinbase Global(NASDAQ:COIN) is another clear winner if the SEC greenlights blockchain stock trading. As the largest U.S. crypto exchange, Coinbase is pushing for quick approval to list tokenized versions of stocks likeNetflix(NASDAQ:NFLX) orTesla(NASDAQ:TSLA) alongsideBitcoin(CRYPTO:BTC). This would merge traditional and digital assets on one platform, drawing in retail and institutional investors with faster, cheaper trades. Coinbase has sought SEC exemptions to bypass some legacy rules, arguing tokenized stocks enhance efficiency without added risks. Its wallet and exchange infrastructure is ready for integration, potentially increasing fee revenue from higher volumes. Loading stock data...The SEC recently dropping its lawsuits against Coinbase signal a friendlier stance, and with Bitcoin’s rally boosting sentiment, COIN shares have climbed. The plan aligns with Coinbase’s lobbying efforts, pitting it against Wall Street but favoring its tech edge. While volatility in crypto markets persists, the blockchain push could solidify Coinbase as a hybrid finance leader, making COIN a buy for long-term growth in tokenized equities.Stock to Sell: Virtu Financial (VIRT)Virtu Financial(NASDAQ:VIRT) could face challenges from the SEC’s blockchain initiative. As a high-frequency trading firm and market maker, Virtu relies on traditional exchanges for tight spreads and high volumes, handling a chunk of U.S. retail trades similar toCitadel Securities. Loading stock data...Tokenized stocks trading on blockchain platforms might fragment liquidity, bypassing centralized systems like theNYSEand reducing the need for intermediaries. Virtu has historically opposed SEC overhauls that disrupt equities markets, with its CEO criticizing past proposals for potential instability. If blockchain enables direct peer-to-peer trades with instant settlement, Virtu’s execution services could see compressed margins and lower activity. While the firm has explored crypto, its core business is tied to legacy infrastructure, and opposition from market makers highlights risks of “regulatory arbitrage.” VIRT’s strong second-quarter results show its resilience, but long-term, this shift favors innovators over incumbents — making VIRT a stock to avoid for now.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
5 Elite Dividend Stocks Wall Street Loves Today (AGNC, CVX, MPLX, PH, VZ)
-->Key PointsSolidly reliable growth stocks that have an additional dividend aspect are favorites for many investors who want steady appreciation without undue price turbulence in their portfolios. Indispensable industries like energy, real estate, aerospace, and telecommunications often contain more of these reliable growth and income stocks than more volatile, high-flying technology or biotech.stocks.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->There is a fairly broad demographic of investors who are happy with steady growth and the bonus of a dependable dividend for their portfolios. They may cite their content in being able to leave behind sleepless nights, stress related, stomach churning heartburn, worries over market volatility, and regulatory concerns over high-flyers as their justification – all perfectly valid reasons.Steady growth and income stocks can usually be found in companies with long histories providing indispensable products and/or services to a large market segment. Some of these industries include energy, real estate, aerospace, and telecommunications. While the list is long and clearly a number of stocks may be favored more than others by some, among Wall Street analysts’ favorites are (prices based on market quote at time of this writing):AGNC Investment Corp.AGNC Investments’ $102 billion funds are almost exclusively used for US Government insured mortgage securities, such FDMC, GNMA, and GNMA.AGNC Investment Corp. (NASDAQ: AGNC)Current Price: $9.93Yield14.51%12-mo. Consensus$9.82Avg. Daily Volume19.73 million sharesYTD Total Return20.72%Assets$102.02 billion1-Year Total Return11.37%52-wk low$7.853-Year Total Return111.48%52-wk high$10.635-Year Total Return35.52%Formerly known as American Capital Agency Corp. the company changed its name to AGNC Investment Corp. in 2016. Based in Bethesda, MD, AGNC Investment Corp. invests almost exclusively in US Government Agency mortgage securities, such as Fannie Mae, Freddie Mac and Ginny Mae. However, it uses leverage via repurchase agreements and aggressively incorporates hedging strategies and derivatives to both protect portfolio assets as well as to enhance returns. With a $102 billion portfolio size, AGNC is one of the larger US Real Estate Investment Trusts (REIT) in operation. Under the REIT registration rules, AGNC has to remit 90% of its profits.The three largest institutional investors in AGNC are: Vanguard (9.10% of outstanding shares); Blackrock (5.06%); and Geode Capital Management LLC (2.40%). REITs can focus on a range of sub-categories in the real estate realm that can generate hefty returns if managed in a strategic fashion. AGNC Investment Corp. invests almost exclusively in US Government Agency mortgage securities. However, it uses leverage via repurchase agreements and aggressively incorporates hedging strategies and derivatives to both protect portfolio assets as well as to enhance returns. Since AGNC is not subject to the overhead, management, and liability costs associated with physical premises real estate operations, it has more capital to leverage into portfolio management of its FNMA and FDMC bonds. As such, its profit margin is a hefty 76.21%.However, while AGNC’s investment strategy offers high return potential, it also carries some market risk. Leverage works both ways; while it can boost returns during healthy market conditions, it can have a negative impact during more turbulent periods. FNMA and FDMC paper is much more interest rate sensitive, so although AGNC has never failed to pay a dividend payment since its inception in 2008 (17 years) its dividend amounts have varied during periods of unusual market volatility or bearish environments. Should AGNC’s returns fall below its cost of capital in the future, it might need to reduce its dividend. This has happened in the past, which can mean some uncertainty for income-focused investors.The other caveat with AGNC is that it expands its portfolio by selling stock to buy more mortgage-backed securities (MBS). AGNC issued 92.6 million shares in the Q2, raising nearly $800 million for additional MBSes. These large block issuances can cause value dilution of its existing shares. On the other hand, AGNC’s high-yield dividend has more than offset any price dilution losses (it has delivered an 11% average annual total return). However, investors must be comfortable with the possibility that the value of their investment could decline in the long term if AGNC continues to sell stock to grow its portfolio — even if these sales do not grow the value of the stock price or dividend rate.REITS can provide a solid real estate based income stream for a portfolio that can offer stronger intrinsic value than higher synthetically derived dividend plays, such as YieldMax ETFs, albeit with lower dividends. If diversification is desired for a portfolio, REITs may not equal the growth of many tech stocks, but they will solidly deliver the income to ride out tough economic times, such as what the US underwent from 2021-2024. Some analysts think that AGNC is grossly undervalued.Simply Wall Street, for example, believes that AGNC’s fair value market price is $19.71, making its current price a nearly50% discount. Much like the YieldMax ETFs, although AGNC’s overall price has remained in a tight range since Q2 2022, its double digit returns have been solid, and its total assets have grown from $72 billion to over $102 billion in the past 24 months, so more and more investors are joining Vanguard and Blackrock on the AGNC bandwagon.MPLX LPMPLX handles transport, refining, and storage operations for Marathon Oil and for other companies on a contractual fee basis.MPLX LP (NYSE: MPLX)Current Price: $47.80Yield8.00%12-mo. Consensus$86.79Avg. Daily Volume1.44 million sharesYTD Total Return5.71%Assets$37.84 billion1-Year Total Return17.45%52-wk low$43.543-Year Total Return100.63%52-wk high$54.875-Year Total Return345.39%Much like telecom data and communication networks, the oil and gas industry also has its own infrastructure network to transport and store products. The oil and gas industry’s network is referred to as the midstream sector. It consists of pipelines, storage facilities, processing and transport terminals, maritime tankers, trucks, and other infrastructure facilities. Midstream companies that trade publicly are organized as Limited Partnerships or Master Limited Partnerships. Similarly to REITs, they are required to remit 90% of profits to shareholders.MPLX LP is based in Findlay, OH. Incorporated in 2012, MPLX LP is a subsidiary ofMarathon Oil (NYSE: MPC). There are two primary operations units, in addition to Marathon Oil’s Capline and Mark West pipeline networks. Logistics and Storagehandles transportation, distribution, storage and marketing of crude oil, refined products and other hydrocarbon-based products throughout the U.S. These assets consist of a network of wholly and jointly-owned common carrier crude oil and refined product pipelines, associated storage assets, refined product terminals, storage caverns, refinery integrated tank farm assets, rail and truck racks, a marine business, export terminals, and wholesale and fuels distribution businesses.Gathering and Processingis dedicated to natural gas and separating various hydrocarbon components from it for different markets. The heavier and more valuable hydrocarbon components, which have been extracted as a mixed NGL stream, are then further separated into their component parts for end-use sale through the process of fractionation. MPLX sells basic Natural Gas Liquid (NGL) products, including ethane, propane, normal butane, isobutane and natural gasoline.MPLX stock has sold off since it announced it was selling its midstream gathering and processing asset for the Uinta and Green River Basins, which service Colorado, Utah, and Wyoming, for $1 billion in cash to a subsidiary of Harvest Midstream. MPLX had earlier signalled it planned to concentrate more of its operation in the Marcellus and Permian Basin regions. As such, the price may be considered a temporary discount, since a number of potentially very lucrative joint ventures and strong simpatico acquisitions should boost its long-term prospects. Joint ventures include:BANGL NGL pipeline expansion: MPLX and its partners approved a project to expand this natural gas liquids (NGL) pipeline, which should enter service in Q3 2026.Oneok JV: MPLX formed a JV with Oneok to build a new LPG export terminal and associated pipeline, both of which are projected to start operating in early 2028. MPLX will own 50% of the $1.4 billion export terminal and 20% of the $350 million pipeline.Traverse Pipeline: MPLX and its partners in the Blackcomb and Rio Bravo pipeline projects have also approved the construction of the Traverse Pipeline, which is expected to complete in 2027.Eiger Express Pipeline: MPLX is investing in this new gas pipeline through its existing Matterhorn JV and taking a direct 15% interest in the project. This pipeline is slated to start commercial service by Q3 2028.Gulf Coast Fractionation Complex: MPLX also agreed to build two NGL fractionation plants next to Marathon Petroleum’s Galveston Bay refinery. Marathon will buy all output from those facilities when they come online in 2028 and 2029.Acquisitions include:Matterhorn Express Pipeline: MPLX is buying an additional 5% of this JV for $151 million, boosting its stake to 10%. Whiptail Midstream: MPLX paid $237 million for Whiptail, which owns extensive oil, gas, and water gathering systems in the San Juan Basin.BANGL Pipeline: MPLX agreed to acquire the remaining 55% stake in this pipeline for $715 million, giving it sole ownership.Northwind Midstream: Northwind’s 200 miles of natural gas gathering, treatments, and processing infrastructure for New Mexico will all be taken over by MPLX for $2.4 billion. Acquiring Northwind will provide an immediate boost to MPLX’s cash flow, which should continue growing over the next year as the company completes its in-process expansion projects.For income investors, MPLX LP has increased its dividend annually since 2013. At 12 years, it is nearly at the halfway mark to reaching the elite 25 consecutive year “Dividend Aristocrat” Club. Verizon CommunicationsVerizon Communications is the largest US wireless carrier, and its recent announcement with AST Space Mobile indicates that space based cellular broadband will be its next expansion plan.Verizon Communications (NYSE: VZ)Price: $39.85Yield6.93%12-mo. Consensus$48.59Avg. Daily Volume19.91 million sharesYTD Total Return6.51%Assets$383.28 billion1-Year Total Return-0.83%52-wk low$37.593-Year Total Return33.18%52-wk high$47.365-Year Total Return-9.37%Verizon was formed in 2000 from the former “Baby Bell” companies, Bell Atlantic and Nynex, along with GTE, which were originally all part ofAT&T (NYSE: T), or Ma Bell, and split up in 1984 by the DOJ in an antitrust case.Although Verizon has the largest domestic US wireless network, the company acknowledges that with over half of its revenues derived from that sector, it has more vulnerabilities if there are issues with satellite signals or other wireless related service problems than its competitors. Therefore, Verizon is in the process of further developing its 5G and AI technologies.Verizon’s FIOS optic fiber system is the core of its 5G network and they proudly advertise that it has been the recipient of the greatest number of consumer awards for customer satisfaction and internet speeds over the past decade. FIOS’ superior speed results in lower latency, a feature that has become a driving force behind the growth of the 5G IoT (Internet of Things) market. On the AI front, Verizon announced a partnership in December withNvidia (NASDAQ: NVDA)that will integrate Verizon 5G networks and Mobile Edge Compute (MEC) with Nvidia’s AI Enterprise software and NIM microservices. The partnership is expected to deliver high-bandwidth, minimal latency generative AI, computer vision and AR/VR for various industries. Strategically, both parties benefit:For Verizon: The partnership allows it to move beyond being a connectivity provider and offer cutting-edge, integrated AI solutions, as well as solidifying its leadership in private 5G and mobile edge computing.For NVIDIA: By leveraging Verizon’s robust private 5G network infrastructure, NVIDIA can expand the reach of its AI Enterprise software and microservices to a broader range of enterprise customers. Verizon’s biggest breakthrough announcement of late was an agreement withAST SpaceMobile (NASDAQ: ASTS)to collaborate in providing space-based cellular broadband service throughout the US in 2026. Conversely – despite Verizon’s financial and business growth metrics, its 1 year trading range ($37-$45) has stayed within roughly 10 points, and has not approached its $61 high price in over 5 years. The 6.93% yield will likely reduce if the stock price can break back over $50, but otherwise, there are other market factors at this time that are preventing such a run.Chevron CorporationChevron’s merger with Hess is expected to give Chevron a larger than expected revenue boost, according to CEO Mike Wirth.Chevron Corporation (NYSE: CVX) Price: $148.90Yield4.59%12-mo. Consensus$169.87Avg. Daily Volume9.04 million sharesYTD Total Return6.38%Assets$250.82 billion1-Year Total Return3.34%52-wk low$132.043-Year Total Return7.12%52-wk high$168.965-Year Total Return149.73%Chevron is the second largest US oil company by market cap. At the time of this writing, the CVX market cap is at $250.82 billion. Its primary business is in oil and gas.As one of the largest Permian Basin crude oil producers, Chevron is a leader in drilling and exploration of shale oil, which is obtained through fracking. This allows Chevron to add a nearly 50% markup in its price on crude oil, which costs the company $50 per barrel, on average. Chevron pays zero royalties, so gross and net profits are essentially the same. Permian shale oil on a whole was expected to dramatically increase production going throughout 2025, according to the EIA. Chevron’s footprint in the Liquified Natural Gas arena is expanding. The Hess Merger: Based on Hess Corp.’s 30% stake in Guyana’s Stabroek oil field, Chevron’s $55 billion acquisition was the second largest merger transaction in history after ExxonMobil’s $60 billion deal for Pioneer Natural Resources. The Hess deal was controversial because Exxon, who co-owned Stabroek with a 45% stake, claimed it should have “right of first refusal” and attempted to block the deal for nearly two years, since it would trigger a change-of-control clause.The FTC cleared the pending Chevron-Hess merger for potential antitrust issues in late September 2024, so the $55 billion deal closed in July, 2025. However the dispute with Exxon is still under arbitration, so if that can reach a resolution, Chevron’s Hess acquisition is anticipated to double its free cash flow by 2027, predicated on oil prices at $70 per barrel. Chevron CEO Mike Wirth is so bullish on the Hess contribution prospects that he recently stated publicly that the energy demands from data centers and the extra value discovered after the Hess merger combined should cause an upward revision of financials in their next investor conference this November, according toReuters. President Trump’s announced peace agreement in Gaza has sent oil prices lower, now that the threats to OPEC appear to be significantly diminished. As such, a number of oil companies may face a selloff. Some analysts recently picked Chevron as an excellent energy industry play for whichever direction oil prices go, due to its combination of assets:Upstream (exploration and production)Downstream (refining and chemicals)When energy prices rise, upstream operations become more valuable, while downstream operations are more important when energy prices fall. From an income perspective, Chevron boasts 38 straight years of dividend increases and a sizable debt reduction from $45 billion to the mid $30 billion range. Chevron was hailed for its combination of a relatively balanced energy operations approach, combined with a rock-solid balance sheet. Wall Street analysts’ consensus projects Chevron EBITDA of $47.8 billion in 2026 vs. $37.7 billion in net debt. This makes Chevron an ideal choice for conservative investors looking for some upside from the price of oil combined with some downside protection if the price doesn’t decline sharply from here.Parker-Hannifin CorporationParker-Hannifin’s motor, fuel, cooling, and other systems and components have led the automotive, aviation, and aerospace industries for over a century.Parker-Hannifin Corporation (NYSE:PH)Price: $716.66Yield1.00%12-mo. Consensus$799.05Avg. Daily Volume604,390 sharesYTD Total Return13.535Assets$29.49 billion1-Year Total Return14.61%52-wk low$488.453-Year Total Return194.61%52-wk high$779.775-Year Total Return251.92%While not as much of a household name in aerospace as Boeing or Northop-Grumman, Cleveland, OH basedParker-Hannifin Corporation (NYSE:PH)has made itself crucial to the industry with its wide array of systems, components, and indispensable aeronautic parts and machinery for military, manufacturing, and other industrial applications. The company was founded in 1917, and boasts 70 uninterrupted years of dividend growth., making it a member of the rare and exclusive Dividend King club. Founded by Arthur Parker, the company initially built pneumatic brakes and industrial machine parts and fittings for the automotive and aviation sectors. Parker fittings became known for their reliability, and were specifically requested by Charles Lindbergh forThe Spirit of St. Louisfor his landmark historical transatlantic flight. Parker valvers, fluid connectors, and other crucial parts became essential for the war effort during WW II. Parker technology and innovations continued to historically trailblaze the aerospace industry through its parts and systems, including fuel systems for NASA’s Apollo 11 moon landing, motor control, filtration, and other systems via major acquisitions both domestic and international, and a quiet, yet steady lead presence in the industry for over the past half century. It’s interesting to note that institutional investorslovePH, with a whopping90.18%of shares in the hands of institutions. Vanguard’s Total Stock Market Index Fund owns 3.25% of the available shares, and its Vanguard 500 Index Fund owns 2.87%. The Fidelity 500 Index Fund owns 1.28%, iShares Core S&P 500 ETF is 4th, with 1.21%, and SPDR S&P 500 ETF Trust is fifth with 1.20%.Growth and Income stocks may lack the sizzle and cyclonic twists and turns of Magnificent Seven tech stocks and their ilk, but investors in these growth and income stocks enjoy a steady and dependably predictable trajectory in stock price and in returns to offer savings on antacid medication. If You have $500,000 Saved, Retirement Could Be Closer Than You Think (sponsor)Retirement can be daunting, but it doesn’t need to be. Imagine having an expert in your corner to help you with your financial goals. Someone to help you determine if you’re ahead, behind, or right on track. With SmartAsset, that’s not just a dream—it’s reality. This free tool connects you with pre-screened financial advisors who work in your best interests. It’s quick, it’s easy, so take the leap today and start planning smarter!Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)
Is Google’s Gemini Finally Ready to Compete With ChatGPT?
-->-->Key PointsAlphabet Integrating Gemini into Chrome:To boost Gemini’s low adoption compared to competitors like OpenAI, Alphabet is embedding it directly into Chrome (which holds ~70% of the browser market) and Google search, giving users easier access and higher visibility.Strategic Distribution Play:This mirrors Microsoft’s strategy of leveraging existing products to scale AI tools, while also capitalizing on Chrome and Gmail’s massive user base and targeted advertising reach.Alphabet as a Top Pick:Despite competition, Doug and Lee highlight Alphabet’s strong portfolio (especially YouTube’s growth and major partnerships) and view it as one of the most promising long-term tech investments.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Video Playerhttps://videos.247wallst.com/247wallst.com/2025/09/ARTICLE-Alphabet.mp400:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume.Alphabet has been a formidable competitor to OpenAI, but recent developments made with Google and Gemini are helping it take a huge step forward. As Doug and Lee discuss, Alphabet has a huge advantage in its ability to also leverage its email service and its control over YouTube. So while Elon Musk finds ways to incorporate Grok into X, many continue to wait and see just how Alphabet will fuse Google with Gemini. We are finally starting to get some answers and searches performed on Google’s site are starting to have a slightly different look to them which incorporates Gemini as many anticipated it eventually would. But will this pay off for Alphabet and its shareholders or will the company continue to remain a step behind OpenAI in the race for being the number one?Doug McIntyre:You know, Alphabet, Chrome, Gemini. One of the problems that Alphabet has is that Gemini does not have a big market share. They’re way, way, way behind particularly OpenAI. So all of these guys are trying to make chess moves, like Musk has Grok he’s trying to get that on X to get people to use it, even pay for a subscription. So how is this working? What’s the thought process behind what Alphabet’s doing?Lee Jackson:Well, first Alphabet, you know, are probably high fiving each other every day over the fact that they didn’t have to sell Chrome to somebody. So plugging it into a bigger functioning part of Chrome probably is a smart idea. Because as you mentioned, when we were discussing the, the fact that they did dodge the Chrome bullet, as you mentioned. Chrome is the kind of thing where you’re tied into so much with it ’cause you know it’s tied into your Gmail, it’s tied into, um, everything you do. That somehow they can advertise through there. And I think by putting the application into Chrome rather than just landing on it on their page may be a smart thing ’cause people can easily access it. You know, like you easily access all the other chat bots. So I think that could have been part of it. And number two, I mean, Gemini has good reviews, but very low usage compared to the others.Doug McIntyre:Well, it’s sort of like Microsoft. They’re, they’re taking another product they’ve got, and they’re building it on the back of that because they have huge distribution. I mean, Chrome, I think has 70% of the browser market in the world.Lee Jackson:It does. And that’s why I think that what, that was part of their logic and reasoning.Doug McIntyre:Well, they’re also using it on search pages. So, you know, if I do a search on Google instead of getting the regular links, which, you know, obviously the people used to get links hate this, but a lot of times you’re getting a Gemini summary. So Alphabet’s doing a very smart thing. They’re weaving Gemini into search, and now they’re weaving it into the browser.Lee Jackson:And almost regardless at this point, you know, Chrome is such an accepted browser and they have so much of, I mean, face it, if you have an email, it’s either Gmail or Yahoo, I guess. I don’t know who else you can use for what people use for. For email accounts, but you know, they flood the email accounts with advertising and it’s real targeted stuff and they have tons of data. So I think that’s smart. And like you said, by having it on just a regular Google search page, it’s the first thing you see. It’s up on the upper left corner and it’ll, now, it doesn’t come with tons of data always, but it has something.Doug McIntyre:Yeah. Well, again, Alphabet dodges a bullet with the government now can use Chrome, which they might have lost as a distribution center for their AI.Lee Jackson:Yeah. And, and like we said recently, you know, of all the, all of all the big Tech Mag Seven Giants, Alphabet still is about our favorite just because everything they own, and, and it’s remarkable because, and you pointed this out, you know, last time or recently, just YouTube has gotten huge, you know, and I was reading today where YouTube, you know, they’re, you know, they’re getting into more programming, you know, and they’re, they’re gonna have an NFL game on Christmas again, and they signed a huge deal with Anheuser-Busch InBev to pitch Budweiser and Modelo and Corona. You know, their three big brands. So, well, you’re right about this. Alphabet remains, I think, our top pick going forward because it, it brings the most to the table.Doug McIntyre:I absolutely think that’s true.Get Ready To Retire (Sponsored)Start by taking a quick retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes, or less.Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.Here’s how it works:1. Answer SmartAsset advisor match quiz2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future.
3 Ultra-Safe Dividend Stocks to Buy Now, If You’re Concerned About Volatility Ahead
Investors who find themselves awake at night thinking about their portfolios, fear not. I am too.The reality is that there are many red flags that have popped up in recent years that have now become too hard to ignore. Yes, inflation has come down from its 2022 peak, but it remains markedly above the Federal Reserves (notably arbitrary) 2% target. But it’s still elevated, at the same time that the jobs market has markedly weakened. -->-->Key PointsDividend stocks are an excellent option for investors concerned with the current macro backdrop to consider.Here are three of my top sleep-at-night picks I think long-term investors should consider form here.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; get started by clicking here.(Sponsor)-->-->Accordingly, the path forward for interest has grown increasingly uncertain of late, and the gyrations I’ve seen in the bond market make me shiver.But I still take the view that over the medium-term interest rates will more likely be lower than higher from here. Coca-Cola (KO)Loading stock data...Any stock Warren Buffett has held for decades is one I’d think is about as stable as they come. As it turns out, Coca-Cola (NYSE:KO) remains a staple of his portfolio, with the Oracle of Omaha originally purchasing his position way back in 1988. That’s a long time to hold a given stock, but that’s Warren Buffett’s investing style (and it’s one I’d certainly like to emulate).As is the case with many of Buffett’s picks, Coca-Cola has traditionally paid a rather hefty dividend yield, and that’s still true today. The company pays investors an annualized yield of approximately 3.1%, and this yield has spiked a bit higher of late thanks to a stock price dip over the course of the past few months.Now, KO stock is still higher than where it was during the April-driven market selloff, and there are reasons why long-term investors may be enticed to buy this dip and the relatively higher yield the carbonated beverage giant provides investors right now.I think the sheer amount of brand value Coca-Cola provides, as well as one of the most ardent and loyal customer bases, ensures revenue and earnings stability over time. Coca-Cola’s impressive balance sheet stability and its scale and size provide a defensive option for dividend investors looking to pull in a yield of more than 3% in this current environment. Johnson & Johnson (JNJ)Loading stock data...In the healthcare sector,Johnson & Johnson (NYSE:JNJ) is one of the largest U.S. giants, well-positioned for long-term growth and stability. Again, in this market environment, that’s something many investors are going to want to look for – truly defensive dividend stocks. With a 2.9% dividend yield, investors have the potential to not only create the kind of long-term passive income stream they’re looking for, but do so holding one of the most stable and consistent blue-chip growers in the S&P 500. Of note, and one of the things I think many other analysts and market participants continue to gravitate toward when it comes to JNJ, is the company’s rock solid balance sheet and credit rating. I’ve actually seen a number of articles recently discussing how the yields on Johnson & Johnson’s corporate debt are lower than the U.S. government. In other words, investors would rather own this company’s debt than that of Uncle Sam. Says something about the stability of this company relative to the current macro backdrop we find ourselves in.That said, given the yield investors can get on JNJ stock right now, the clear choice appears to be this company’s equity. Those thinking long-term can’t go wrong with this pick in my view, at least over a sufficiently long time frame. Fortis (FTS)Loading stock data...One of my more unique dividend picks I continue to pound the table on is a lesser-known utility company in Fortis (NYSE:FTS). That’s partly because this utility company is based in Canada, where it generates the vast majority of its revenue and earnings. However, in a world that is likely to be significantly reshaped by the rise of AI, one thing most investors can agree on is that we’re going to need a lot more energy. Fortis’ business model in providing electricity and natural gas utilities to millions of commercial and residential customers is one that’s about as steady as they come. And with a more than five-decade-long track record of hiking its dividend, Fortis is among the best options for investors seeking not only a robust and consistent passive income stream, but one that can grow and (hopefully) keep up with inflation over time.That’s the trick isn’t it – finding such companies that provide stable passive income, but also some level of inflation protection (with capital appreciation upside if this spending cycle continues). Fortis offers the best mix of all three, in my view. If You’ve Been Thinking About Retirement, Pay Attention (sponsor)Retirement planning doesn’t have to feel overwhelming. The key is finding expert guidance, and SmartAsset’s simple quiz makes it easier than ever for you to connect with a vetted financial advisor. Here’s how:Answer a Few Simple Questions. Get Matched with Vetted Advisors Choose Your Fit Why wait? Start building the retirement you’ve always dreamed of.Get started today! (sponsor)
Quantum Stocks Are Surging: Time to Load Up on D-Wave, or Is IonQ the Safer Bet?
-->-->Key PointsQuantum computing’s potential lays in revolutionizing drug discovery and finance, yet decoherence and scaling delay its commercialization.Driven by big-tech investments and policy support, quantum computing stocks have seen explosive gains over the past year, signaling momentum.IonQ‘s (IONQ) trapped-ion technology is stacked against the advances ofD-Wave Quantum‘s (QBTS) annealing technology.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Quantum computing holds immense promise to transform industries by tackling problems beyond the reach of traditional computers. It could accelerate drug discovery, optimize logistics, enhance financial modeling, and advance materials science through superior processing power. Yet, the field grapples with steep challenges. Qubits, the core units of quantum computing, suffer from decoherence — the loss of stability amid environmental noise — which limits computation time. Error rates remain high, demanding advanced correction methods that consume extra resources. Scaling to millions of qubits requires breakthroughs in cooling, control systems, and integration, all while costs soar into the billions. These hurdles delay widespread adoption, confining most systems to research labs and potentially delaying commercial viability for a decade.Despite these obstacles, investor enthusiasm has propelled quantum stocks upward. Over the past year, the sector has seen explosive gains, withRigetti Computing(NASDAQ:RGTI) rocketing more than 5,200% higher. This surge reflects hype around tech giants likeNvidia(NASDAQ:NVDA) andMicrosoft(NASDAQ:MSFT) investing heavily, alongside policy pushes for national security applications.D-Wave Quantum(NYSE:QBTS) is another quantum computing stock enjoying tremendous gains, soaring over 3,550% higher over the last 12 months. QBTS specializes in quantum annealing, a method suited for optimization tasks like scheduling or portfolio balancing. Its Advantage2 system boasts over 4,400 qubits with 20-way connectivity, enabling real-world use via the Leap cloud platform, where 20.6 million problems have been solved. IonQ(NYSE:IONQ), by contrast — up nearly 800% — employs trapped-ion technology, using stable atomic qubits for gate-based computing that supports broader algorithms, including simulations for chemistry and AI. IonQ’s Forte Enterprise systems deliver high-fidelity gates over 99.9%, and it eyes 100 physical qubits in 2025.The question for investors, though, is which quantum computing stock is the better buy today for the next 12 months and beyond.D-Wave Quantum (QBTS)D-Wave has carved out a niche with its annealing systems that excel at finding optimal solutions in complex datasets. The Advantage2 prototype, launched this year, doubles coherence time and boosts energy scale by 40%, allowing simulations — like magnetic materials modeling — that would take classical supercomputers a million years to complete. Revenue hit $22.3 million in the trailing 12 months, up from prior years, driven by cloud access and on-premises sales to institutions like NASA andLockheed Martin(NYSE:LMT). A recent U.K. project optimizing police vehicle placement highlights practical deployment.Loading stock data...D-Wave plans to scale to 100,000 qubits by the end of this decade, targeting a 66% compound annual growth rate in revenue through 2030 in sectors like logistics and finance, where annealing shines. Partnerships withVolkswagenandBanco Bilbao Vizcaya Argentaria(NYSE:BBVA) bolster commercial traction. The Qubits 2025 conference in March highlighted hybrid artificial intelligence (AI)-quantum integrations, with sessions on production deployments and roadmap updates for quantum optimization and hardware advancements. Significant challenges persist. Annealing’s focus on specific problems limits its scope compared to gate-based systems, risking obsolescence. Critics, like Martin Shkreli, call it a “dead-end” for universal computing while export restrictions may curb global reach. The stock’s 426x sales multiple suggests overvaluation, especially after a 97% drop in 2022’s downturn. D-Wave’s second-quarter operating losses also widened, and profitability is still distant, but it has cash reserves of $819 million to fund R&D without immediate dilution.IonQ (IONQ)IonQ’s trapped-ion approach traps ions in electromagnetic fields for qubits with superior stability, operating near room temperature to sidestep cryogenic extremes. This yields low-error gates and supports quantum networking, like converting photons for fiber compatibility. Q2 revenue jumped 82% to $20.7 million, beating guidance, with full-year forecasts at $82 million to $100 million. Collaborations withAstraZeneca(NYSE:AZN) for drug workflows and Oak Ridge for grid optimization show enterprise traction.Loading stock data...IonQ aims to scale to 800 logical qubits by 2027 and 80,000 by 2030, targeting cryptographically relevant quantum computers within the next few years. Its $1.08 billion acquisition of Oxford Ionics’ chip technology bolsters hardware development while acquisitions of Lightsynq for quantum interconnects and Vector Atomic for sensors expand into quantum internet and space applications, backed by a Department of Energy agreement. The quantum computing company’s Analyst Day last month outlined its Tempo system, aiming for 100 physical qubits in 2025.Challenges include escalating costs, with Q2 operating losses at $181 million from scaling efforts. Trapped-ion systems are costly to build, andIBM’s (NYSE:IBM) superconducting qubits pose stiff competition. A $1 billion equity raise diluted shares, and its 416x price-to-sales ratio reflects a highly speculative valuation, particularly as delays in error correction could derail its timelines.The VerdictDespite both quantum computing stocks facing challenges, IonQ emerges as the superior investment. Its gate-based, stable tech positions it for universal applications, outpacing D-Wave’s niche annealing in a market favoring versatility. With revenue growth outstripping peers and a roadmap to fault-tolerant scale, IonQ offers balanced risk-reward. D-Wave suits short-term optimization plays but faces technology limitations. Both carry volatility, but IonQ’s partnerships and acquisitions signal stronger execution. Get Ready To Retire (Sponsored)Start by taking a quick retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes, or less.Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.Here’s how it works:1. Answer SmartAsset advisor match quiz2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future.
Schwab US Dividend Equity ETF October Sentiment Turns Negative
The Schwab US Dividend Equity ETF (NYSEARCA:SCHD) is one of the largest and most commonly held in the US, but investors are starting to sour on the ETF in October. From X, to Reddit, to forums, the change in tone is clear.The Schwab US Dividend Equity ETF is popular with income investors. With nearly $72b in AUM and a dividend yield of 3.83% it’s been considered a ‘safe haven’ income source. The ETF has a broad number of holdings, but the top three are all healthcare related (AbbVie, Merck, Amgen).But in October many investors are realizing that safety has come at a price: underperformance. 24/7 Wall St.’s sentiment tracker noted SCHD was an 8/10 for most of 2025, but starting in October things have moved decidedly bearish, with the ETF scoring 3/10 for investors.Year to date the Schwab US Dividend Equity ETF has returned basically 0%. Zoom out to a full LTM and shares have fallen slightly, down 3%. Compare that to the Nasdaq which is up 19% YTD and 28% in the LTM and it’s easy to see where the frustration has come from.Basically, no amount of dividend income is enough to offset that. What’s worse, the dividend income from the Schwab US Dividend Equity ETF is taxed, so the effective yield is actually a bit lower.See what investors were saying about SCHD recently:From Reddit, a post outlining “The Path to $1,000,000 with $SCHD!”. Commenters responded that:“For now, I’m accumulating SCHD and will wait for VOO to come back to earth.”And another, with a poster planning to hit $700 – $800 in monthly dividends“Age 34. Planning on retiring in 15 years. Next goal $1000 a month main holdings schd, jepi, jepq. Drip is always on, buy some every month.”Users from X, chat rooms, and Yahoo Finance had similar sentiment.But today, there has been a notable souring on the Schwab US Dividend Equity ETF from investors.This post from just a few days ago titled “No more SCHD for me SOLD” declares that:i had it with SCHD it was my largest holding in this particular account. added to o, main, mo, bti, xom rtx, txn, sbux and some growth stocks. anyone else out on SCHD?And they were not alone. Commenters shared their frustration in responseThis ..! I’m done with SCHD as well, look at the Sharp ratio for this dog. Historically It substantially lags the general market while managing to capture most of the downside.X users piled in as well. @palmBTCx threw down the gauntlet and said SCHD will not outpace inflation. That is a damming claim for an investment meant to provide steady income to investors."The Next NVIDIA" Could Change Your LifeNVIDIA has returned 250-fold in the past 10 years as artificial intelligence took off.But if you missed out on NVIDIA's historic run, your chance to see life-changing profits from AI isn't over.The 24/7 Wall Street Analyst who first called NVIDIA's AI-fueled rise in 2009 just published a brand-new research report named "The Next NVIDIA".The report outlines key breakthroughs in AI and the stocks ready to dominate the next wave of growth. The report is absolutely free. Simply enter your email belowGet Report Now » It's Free Thanks! We will redirect you shortly to the free report! By providing your email address, you agree to receive communications from us regarding website updates and other offerings that may be of interest to you. You can unsubscribe at any time. For more information, please review our Disclaimer and Terms of Use.
Worried Investors Should Buy Warren Buffett’s Dividend Safety Stocks
The 10-yearTreasury note was trading at a 4.75% yield in January and is now at a 4.14%. Treasury yields go down as prices are bid higher. Consumer spending, while solid, is slowing, as tariffs are being imposed worldwide. The United States is finally responding to tariffs imposed upon it, and a host of additional factors are fanning the flames of another 2025 correction. Job gains have plummeted, as much of the data is perceived to be inaccurate. It is high time for a correction similar to the one earlier this year to help cleanse the market of the recklessness ignited by artificial intelligence almost three years ago. While the AI revolution is for real, countless companies that generate no revenue but make big promises are similar to the dot-com failures resting quietly in the Wall Street graveyard.-->-->24/7 Wall St. Key Points:After a 30% run off the lows in April, the market looks like it needs a breather.Warren Buffett remains very cautious and still has a massive $344 billion in cash, which has doubled since 2024.If inflation drifts higher, investor hopes for three or four interest rate cuts over the next year seem unlikely.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Long-timeinvestors and Warren Buffett mavens are familiar with his quote, “His favorite holding for an S&P 500 stock is forever.” It’s not surprising to report that, given Berkshire Hathaway’s success and stature in the investment world, five top companies make up almost 67% of the fund’s total holdings. While much more concentrated than most portfolio managers would consider, the strategy has worked well for Berkshire Hathaway investors for years and is likely to continue doing so.Given hisapparent concern about the stock market now and his substantial cash and T-bill holdings, it makes sense for investors to consider buying some of the most conservative stocks in the Berkshire Hathaway portfolio. Four companies appear to be very safe investments for now, and all are rated Buy by the top firms on Wall Street that we cover.Why do we cover Warren Buffett’s stocks?There are fewinvestors with the results and reputation that Mr. Buffett has garnered over the past 50 years. While investing has changed over the past half-century, buying good companies with products and services known worldwide and paying dividends will always remain in style.ChevronLoading stock data...This Americanmultinational energy company predominantly specializes in oil and gas. It is a safer option for investors looking to position themselves in the energy sector, paying a substantial 4.31% dividend, which was raised by 5% earlier this year. Chevron Corp. (NYSE: CVX) operates integrated energy and chemicals businesses worldwide through two segments.The Upstreamsegment is involved in the following:Exploration, development, production, and transportation of crude oil and natural gasProcessing, liquefaction, transportation, and regasification associated with liquefied natural gasTransportation of crude oil through pipelines, and transportation, storageMarketing of natural gas, as well as operating a gas-to-liquids plantThe Downstreamsegment engages in:Refining crude oil into petroleum productsMarketing crude oil, refined products, and lubricantsManufacturing and marketing renewable fuelsTransporting crude oil and refined products by pipeline, marine vessel, motor equipment, and rail carManufacturing and marketing of commodity petrochemicals, plastics for industrial uses, and fuel and lubricant additivesIt also involvescash management, debt financing, insurance operations, real estate, and technology businesses.Chevronannounced in late 2023 that it had entered into a definitive agreement with Hess Corp. (NYSE: HES) to acquire all of the outstanding shares of Hess in an all-stock transaction valued at $53 billion, or $171 per share based on Chevron’s closing price on October 20, 2023. Under the terms of the agreement, Hess shareholders will receive 1.0250 shares of Chevron for each Hess share. The transaction’s total enterprise value, including debt, is $60 billion. The Federal Trade Commission approved the deal last October, and it is expected to close this fall.UBShas a Buy rating with a huge $197 target price.Coca-ColaLoading stock data...This Americanmultinational corporation was founded in 1892. Coca-Cola Co. (NYSE: KO) remains a top long-time holding of Buffett. He owns a massive 400 million shares that are up a solid 11% in 2025. It is the world’s largest beverage company, offering consumers more than 500 sparkling and still brands and a dependable 3.01% dividend.Led by Coca-Cola, one of the world’s most valuable and recognizable brands, the company’s portfolio features 20 billion-dollar brands, including:Diet CokeCoca-Cola LightCoca-Cola Zero SugarCaffeine-free Diet CokeCherry CokeFanta OrangeFanta Zero OrangeFanta Zero SugarFanta AppleSpriteSprite Zero SugarSimply OrangeSimply AppleSimply GrapefruitFrescaSchweppesDasaniFuze TeaGlacéau SmartwaterGlacéau VitaminwaterGold PeakIce DewPoweradeTopo ChicoMinute MaidGlobally,it is the top provider of sparkling beverages, ready-to-drink coffees, juices, and juice drinks. Through the world’s most extensive beverage distribution system, consumers in more than 200 countries enjoy the company’s beverages at a rate of over 1.9 billion servings per day.It is alsoimportant to remember that the company owns 16% of Monster Beverage Corp. (NASDAQ: MNST), which continues to deliver strong financial results.UBS hasa Buy rating and a target price of $80.Domino’s PizzaLoading stock data...This Americanmultinational pizza restaurant chain was founded in 1960. Buffett initially bought this stock in 2024 and has continued to add to the stake. As of late June 2025, Berkshire owned 2.63 million shares of Domino’s Pizza Inc. (NASDAQ: DPZ), which equals a 7.63% stake in the company with a value exceeding $1.1 billion. The pizza giant pays a dividend of 1.58%, and it operates a significant business in both delivery and carryout pizza.The companyoperates through three segments:The U.S. Stores segment primarily comprises franchise operations, which consist of franchised stores located in the United States. The segment also operates a network of company-owned stores in the United States.The International Franchise segment primarily includes operations related to the Company’s franchising business in foreign markets.The Supply Chain segment primarily includes distributing food, equipment, and supplies to stores from the Company’s supply chain center operations in the United States and Canada. Its Pinpoint Delivery technology enables customers to receive deliveries nearly anywhere, including parks, baseball fields, and beaches.Domino’s Pizzais a publicly traded restaurant brand with a global network of over 20,500 stores in more than 90 countries.Loop Capitalhas a Buy rating with a $574 target price.KrogerLoading stock data...This grocery chaingiant is a consistently solid and conservative investment with a 1.96% dividend. Kroger Co. (NYSE: KR) is an American retail company that operates supermarkets, combination food and drug stores, multi-department stores, marketplace stores, and price-impact warehouses throughout the United States.Its combinationof food and drug stores offers:Natural food and organic sectionsPharmaciesGeneral MerchandisePet centersFresh seafood and organic produceMulti-departmentstores offer:ApparelHome fashion and furnishingsOutdoor livingElectronicsAutomotive productsToysThe company’smarketplace stores offer:Full-service grocery, pharmacy, health, and beauty carePerishable goods, as well as general merchandise, including apparel, home goods, and toysPrice-impact warehouse stores sell groceries, health and beauty care products, meat, dairy, baked goods, and fresh produceThe companyalso manufactures and processes food products in its supermarkets and online; it sells fuel through 1,613 fuel centers. Jefferies hasa Buy rating on this Buffett pick, along with an $83 price objective.Four Stocks That Yield 12% and Higher Are Passive Income Kings.If You have $500,000 Saved, Retirement Could Be Closer Than You Think (sponsor)Retirement can be daunting, but it doesn’t need to be. Imagine having an expert in your corner to help you with your financial goals. Someone to help you determine if you’re ahead, behind, or right on track. With SmartAsset, that’s not just a dream—it’s reality. This free tool connects you with pre-screened financial advisors who work in your best interests. It’s quick, it’s easy, so take the leap today and start planning smarter!Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)
This Stock Has Quadrupled Nvidia’s 1,000% 3-Year Return — And It Just Joined the S&P 500
-->-->Key PointsAppLovin’s (APP) 4,600% return since November 2022 dwarfsNvidia’s 1,000% gain, driven by its AI-powered Axon platform and 60% revenue growth. Its inclusion in theS&P 500on Sept. 22 signals potential for further upside as AI continues to reshape industries.APP’s rapid valuation melt-up still warrants caution by investors.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->The release of ChatGPT in November 2022 unleashed an artificial intelligence (AI) revolution, catapultingNvidia(NASDAQ:NVDA) to a 1,000% return as its graphics processing units (GPUs) became essential for AI models. The chatbot’s debut highlighted AI’s transformative potential, pushing Nvidia’s stock from $15 per share (split-adjusted) to over $180. With a market cap exceeding $4.5 trillion, Nvidia stands as the world’s most valuable stock. Yet, another company has outshined it, delivering a staggering 4,640% return — 4.6 times better than Nvidia’s performance — over the same period. That’s a remarkable return for a company just selling mobile advertising, but its performance propelled it to new heights and on Sept. 22 it joined theS&P 500index — replacingMarketAxess Holdings(NASDAQ:MKTX). The move underscores its rapid ascent in the tech world and reflects strong market confidence.AI Fuels a Mobile Ad SurgeAppLovin‘s (NASDAQ:APP) rise has been driven by its AI-powered platform that optimizes ad placements for mobile and gaming app developers. While Nvidia dominates AI hardware, AppLovin has harnessed software to thrive in the mobile ecosystem, capitalizing on the AI frenzy sparked by ChatGPT.AppLovin seized this opportunity with its Axon 2 platform, launched in 2023, which uses machine learning to enhance ad targeting. This fueled revenue growth from $2.8 billion in 2022 to $4.7 billion last year, a 67% jump. So far this year, revenue hit $2.4 billion, up 74% from the same point a year ago. With earnings at $2.39 per share in Q2, beating estimates by 20%, APP’s adjusted EBITDA margin reached 81%, driven by AI-driven efficiencies and outpacing industry norms.AppLovin’s success stems from its ability to process vast datasets, predicting user behavior to deliver targeted ads. This efficiency has attracted developers facing rising competition in the AI-driven app market. Unlike Nvidia’s hardware focus, AppLovin’s software leverages AI to streamline marketing, proving that the AI boom extends beyond chips.Loading stock data...Dominating the Mobile Marketing ArenaAppLovin’s platform integrates app discovery, monetization, and analytics, handling billions of daily interactions. This creates a flywheel: more apps generate richer data, improving AI models and drawing larger clients. While gaming accounts for 70% of revenue, e-commerce and consumer brands saw significant growth last year. The 2022 acquisition of MoPub from Twitter enhanced its real-time bidding capabilities, strengthening its competitive edge.The platform now supports 1.6 billion daily active users, up from 1 billion in 2022, enabling premium ad rates. Its contextual AI targeting adapts to privacy changes like Apple’s App Tracking Transparency, maintaining effectiveness without relying on personal data. Financially, AppLovin is robust, with $550 million in cash and $2.1 billion in operating cash flow, though it carries about $3.5 billion in long-term debt. R&D investment rose 25% to $400 million in 2024, targeting the $447 billion mobile ad market, expected to reach $462 billion by 2027.Can AppLovin Sustain Its Momentum?Several factors suggest continued growth. Planned Axon upgrades with generative AI could further boost margins by automating ad creation. Until now, AppLovin has primarily focused on the U.S. for its e-commerce and digital advertising, but it is entering new international markets in Europe and Asia, a critical global push as it targets 20% to 30% long-term annual growth. S&P 500 inclusion may drive $5 billion to $10 billion in index fund inflows, with historical data indicating a 5% to 10% price increase after inclusion, but at a $227 billion market cap and trading at 47 times forward earnings, AppLovin’s valuation has gotten a bit out of alignment with its growth prospects.There are risks, too, including volatility in the ad market and competition from larger, better financed giants likeMeta Platforms(NASDAQ:META) and Google. A 2025 short-seller report alleging overstated metrics caused a 57% stock dip, but first-quarter results dispelled concerns, sparking a rebound. Key TakeawayAppLovin’s data moat and AI focus provide resilience against such challenges, but its valuation has gotten pricey. APP stock seems more appropriate for aggressive, risk-tolerant investors at this point, with more conservative ones better served by waiting for a pullback from these lofty heights.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Should You Buy Taiwan Semiconductor Stock Before Oct. 16?
-->-->Key PointsTaiwan Semiconductor Manufacturing‘s (TSM) Q2 revenue topped estimates, driven by AI’s growth.TSM stock at $302 trade at a forward P/E of 25, below peers, with a 1% yield.Buy for AI exposure, but hold if volatility concerns you — earnings could swing 5% to 10%.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->Taiwan Semiconductor Manufacturing(NYSE:TSM) is set to report third-quarter earnings on October 16, a moment that could shape the trajectory for one of the semiconductor industry’s cornerstones. As the world’s leading contract chip manufacturer, TSM produces advanced chips for major players likeNvidia(NASDAQ:NVDA),Apple(NASDAQ:AAPL), andAdvanced Micro Devices(NASDAQ:AMD). With shares trading around $302 in midday trading today — up almost 8% and 53% higher year-to-date — the stock has ridden the AI wave to record highs. But with the report just days away, investors face a key decision: scoop up shares now for potential upside, or hold off amid volatility risks? The AI Engine Driving TSM’s SurgeTSM’s growth story in 2025 hinges on artificial intelligence (AI) demand, which has transformed the company from a steady foundry into an indispensable AI enabler. Second-quarter revenue hit $30.1 billion, a 44% year-over-year jump that exceeded analyst forecasts. This beat stemmed from robust orders for advanced nodes like 3-nanometer (nm) and 5nm, which power Nvidia’s GPUs and Apple’s latest processors. Advanced technologies, defined as 7nm and more advanced technologies, accounted for 74% of total wafer revenue. The numbers underscore TSM’s dominance: it holds a 70% share of the global foundry market, far ahead of rivals likeSamsung. September alone brought NT$331 billion in sales, up 31.4% from last year, signaling sustained momentum into the third quarter. Management’s $38 billion to $42 billion capital expenditure plan for 2025 — up from $32 billion in 2024 — targets expansions in Arizona and Japan, ensuring capacity for AI’s insatiable appetite. Without TSM’s precision manufacturing, the AI boom simply stalls, making it a linchpin for tech’s future.Taiwan Semiconductor ManufacturingNYSE:TSM$304.71▲ $152.60(50.08%)1YPre-Market1D5D1M3M6M1Y5YMAXKEY DATA POINTS−Previous Close$295.94Market Cap1.46TDay's Range$300.07 - $306.6152wk Range$133.34 - $307.30Volume20.22MP/E Ratio30.77Gross Margin42.50%Dividend Yield1.19%ExchangeNYSENavigating Headwinds in a Tense LandscapeYet, TSM isn’t immune to challenges that could jolt the stock post-earnings. Geopolitical strains top the list: U.S.-China trade tensions and Taiwan Strait risks have prompted diversification, but 90% of production remains in Taiwan. Recent U.S. scrutiny on chip exports adds uncertainty, potentially capping growth if restrictions tighten.Currency fluctuations pose another drag. A stronger New Taiwan Dollar eroded some Q2 gains, pressuring margins below first-quarter rates. Overseas fabs, while strategic, carry higher costs — up to 50% more than Taiwan facilities — squeezing profitability as utilization ramps up. Non-AI segments, like consumer electronics, recovered from Q1, with smartphone chip demand rising due to AI adoption. A miss on forward guidance, though, especially if Q3 revenue dips below expectations, could trigger a pullback in shares already at lofty valuations. These factors demand caution, as earnings surprises cut both ways in a high-stakes sector.What the Street Expects — and Why It MattersAnalysts enter the October 16 report with a bit of exuberance. Where management is looking for $32.4 billion in revenue at the midpoint of its guidance range, consensus estimates call for $2.54 per share in earnings — a 13% rise from last year — on a 10% increase in revenue to $33.1 billion, the high end of TSM’s range. Profit is projected to climb as a result of AI’s advance, but tempered by forex headwinds. Wall Street’s average price target sits at $307 per share, implying modest upside from current levels, though recent upgrades fromSusquehannato $400 reflect AI tailwinds.A beat could spark a 5% to 10% rally, especially if guidance lifts 2025 revenue growth to 32% to 34% asMorgan Stanleyanticipates. Investors should focus on 2nm progress and wafer pricing hikes — 5% to 10% increase are expected in 2026 — which could offset costs and affirm TSM’s edge. The call will reveal if AI’s fire keeps burning or if broader pressures dim the glow.Buy, Sell, or Hold? TSM’s fundamentals underscore the opportunity: AI demand propels 40% compounded annual growth through 2030, and its forward P/E of 25 trails the sector’s 29.4. At $302, shares offer a 1% yield and growth potential that justifies entry for long-term holders. Buy if you’re bullish on semiconductors, which seem unstoppable at the moment, indicating an earnings beat is in the cards. But for risk-averse traders, wait — volatility could dip shares on any guidance whiff. Hold, though, if you already have a sizable position, as any pullback from its current price provides a better entry point. Ultimately, Taiwan Semiconductor Manufacturing’s competitive moat in advanced nodes makes it a core holding, but time your move wisely around October 16.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Silver’s on a Hot Streak. Capture the Upside With SIL and SILJ
-->Key PointsThe SIL and SILJ ETFs are fast movers that could magnify silver’s price gains.However, investors should right-size their SIL and SILJ investments due to the volatility risk.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->When gold jumps, silver soars. That’s an old concept that could make investors a lot of money when precious metal prices rally. And in 2025, those prices are definitely on the move.Some folks like to hold silver bars and coins in hopes of a price rally, and that’s fine but it’s not always the most convenient solution. In conjunction with or as an alternative to owning physical silver, investors might consider buying exchange-traded funds (ETFs) such as theGlobal X Silver Miners ETF(NYSEARCA:SIL)and theAmplify Junior Silver Miners ETF(NYSEARCA:SILJ).If silver continues its epic run, the SIL and SILJ ETFs could mint new millionaires in the coming months. Before you jump into the trade, however, be sure to weigh the risks of these often volatile assets and plan for swift price moves in both directions.Why Silver, and Why Now?You may have heard the disparaging saying that silver is the “poor man’s gold.” While it is true that an ounce of silver is much cheaper in dollar terms than an ounce of gold, this doesn’t mean silver is less worthy of your investable capital.From an industrial point of view, silver has a wide variety of uses. According to the Silver Institute, silver plays important roles in the production of solar cells, computers, smartphones, electric vehicles, water purifiers, and more.Furthermore, since silver is less expensive than gold, silver’s price has the potential to move faster during a precious-metals bull market. This idea appears to be playing out in 2025 so far; in dollar terms, as of Oct. 6, gold was up 52% year to date while silver gained 66.5%.Besides, the U.S. dollar is comparatively down this year, and this won’t only benefit gold holders. The dollar’s slide should also help silver stackers, so don’t overlook the “white metal” if you’re thinking about expanding your portfolio into precious metals.SIL: Drilling Down Into Silver MinersLoading stock data...It makes sense that silver-mining companies’ revenues and profits would improve when the silver price rises sharply. Consequently, stocks representing silver miners could gain substantial value during a silver bull market like the one that’s in progress now.To capture some of that upside, investors can consider the Global X Silver Miners ETF. With 38 stocks in its holdings list, the SIL ETF mainly focuses on the bigger and better-known businesses that mine silver.Some of the silver miners on that list are Pan American Silver(NYSE:PAAS), First Majestic Silver(NYSE:AG),Hecla Mining(NYSE:HL) andEndeavor Silver(NYSE:EXK). All in all, the Global X Silver Miners ETF covers the heavy hitters in the silver-mining industry.If silver continues its hot streak, it’s easy to imagine the SIL ETF maintaining its steep upward trajectory. It’s also worth noting that the Global X Silver Miners ETF imposes an annual expense ratio of 0.65%, which sounds like a small price to pay for exposure to an array of top-tier silver miners.SILJ: Aiming High With Smaller Silver MinersLoading stock data...Sometimes, bigger isn’t necessarily better. Sure, the large-cap mining stocks in the SIL ETF will probably head higher during a silver bull run, but the smaller names in the silver industry could move even faster.In that vein, the Amplify Junior Silver Miners ETF concentrates on small-cap silver miners with strong upside prospects. This fund has 56 stocks in its holdings list, including under-the-radar names like Aftermath Silver(OTC:AAGFF),Silver Storm Mining(OTC:SVRSF) andSantacruz Silver Mining(OTC:SCZMF).The Amplify Junior Silver Miners ETF deducts an annual expense ratio of 0.69% from the share price, so that’s a consideration for long-term investors. Still, if you’re seeking magnified gains when silver shoots higher, SILJ ETF certainly deserves your attention.Risk Mitigation is KeyBecause SIL and SILJ hold dozens of silver mining stocks, there’s a measure of risk mitigation inherent to these funds. Nevertheless, these ETFs can be quite volatile sometimes as the silver price can move quickly and this will impact the miners’ financials.Moreover, the impact of volatile silver prices could hit smaller mining companies even harder than the bigger ones. Hence, even if you’re bullish about silver in 2025, it’s sensible to only take a small share position in SIL and an even smaller position in SILJ.Additionally, you’ll want to be watchful as the Global X Silver Miners ETF is already up sharply year to date and so is the Amplify Junior Silver Miners ETF. If the dollar stages a comeback or if the economy takes a downturn, the silver price could decline quickly along with SIL and SILJ. It’s wise, then, to have an exit plan in case the silver-miner trade goes against you.In the final analysis, you don’t want to treat the the Global X Silver Miners ETF and the Amplify Junior Silver Miners ETF as shiny objects or novelties. These are funds for serious silver-market investors, so carefully plan your trades and prepare for all possible outcomes this year.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
The 3 Best Dividend Stocks Set to Dominate 2026
-->-->Key PointsDividend investing filters for resilient companies amid AI and supply disruptions.Rate cuts this year and next will favor 3% to 4% yielding stocks over low-yield bonds.The three picks below offer compounding returns in a maturing bull market.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->UnitedHealth, Costco, Schwab US Dividend Equity ETFare leading dividend stocks investors should have on their radar as we close out 2025.Dividend investing has evolved beyond simple income generation into a strategic hedge against economic shifts, offering not just payouts but also signals of corporate resilience. Dividends now act as a “quality filter” in portfolios, where companies committing to shareholder returns demonstrate disciplined capital allocation amid rising AI-driven disruptions and supply chain volatility. This approach has gained traction as studies show dividend growers outperforming non-payers by 2% to 3% annually over decades, compounding wealth quietly. Heading into 2026, seeking dividend stocks becomes crucial: With Federal Reserve interest rate cuts expected to be modest and bond yields dipping below 3.5%, equities with reliable dividends — yielding 3% to 4% on average — will outshine fixed-income alternatives, providing inflation-beating returns in a maturing bull market prone to corrections. The three dividend stocks that follow are among some of the best ones you can buy for 2026 and beyond.UnitedHealth (UNH)UnitedHealth(NYSE:UNH) stands out as a dividend leader in the healthcare sector, blending defensive stability with growth potential that positions it to dominate in 2026. As the largest U.S. health insurer by market share, UnitedHealth generates $400 billion in annual revenue. Its current dividend yield hovers around 2.4%, backed by a quarterly payout of $2.16 per share, with 15 consecutive years of increases signaling commitment to shareholders.What makes UnitedHealth a top contender for next year? Industry-wide repricing in Medicare Advantage plans, effective 2026, will boost reimbursements by up to 5%, directly lifting UnitedHealth ‘s margins after recent regulatory pressures squeezed profits. Analysts project earnings per share to climb 10% in 2026, easily covering the dividend with a free cash flow payout ratio around 36%. Recent challenges, like cyberattack costs and elevated medical loss ratios at 89%, have depressed the stock 26% year-to-date, creating a buying opportunity at 14 times earnings — below its five-year average.With aging demographics adding 10 million Medicare enrollees by 2030, UNH’s scale in managed care will capture market share, potentially delivering 15% to 20% total returns in 2026 through dividend growth and stock appreciation. For investors, UnitedHealth offers a rare mix of recession-proof demand, low debt at 0.6 times EBITDA, and a yield that compounds reliably in uncertain times.Costco (COST)Costco(NASDAQ:COST) exemplifies dividend reliability in retail, with its warehouse model set to overpower competitors in 2026 through unmatched customer loyalty and operational efficiency. Operating over 900 locations worldwide, Costco pulls in $260 billion yearly from bulk sales and a 90% membership renewal rate, turning shoppers into recurring revenue streams through annual fees. Its dividend yield sits at 0.5%, but special annual payouts — $15 per share in 2023 — effectively double that to 1%, with 20 years of hikes. For the past decade, it has raised the payout by a compounded rate of 13% annually.Heading into 2026, Costco’s dominance stems from e-commerce acceleration and international expansion, where online sales surged 13% last quarter. Amid tariff threats and consumer belt-tightening, Costco’s low-markup strategy and private-label Kirkland brand keep prices below rivals, driving same-store sales up 6% even in slowdowns. The stock trades at 50 times earnings, a premium justified by 10% EPS growth projections for 2026, supported by $8 billion in free cash flow that funds dividends and $5 billion buybacks. Unlike peers hit by inflation, Costco passes on savings via gas and travel perks, boosting foot traffic 5% in tough quarters. For dividend hunters, Costco delivers compounding power, making it a cornerstone for long-term portfolios.Schwab US Dividend Equity ETF (SCHD)Schwab US Dividend Equity ETF(NYSEARCA:SCHD) is the third dividend stock set to dominate in 2026. The exchange-traded fund redefines passive income, curating 100 high-quality dividend payers to lead in the current volatile environment. Tracking theDow Jones U.S. Dividend 100 Index, SCHD selects stocks with 10 years or more of payouts, strong cash flow, and low debt, yielding 3.8% — double theS&P 500‘s — with quarterly distributions like the recent increase to $0.26 per share.Why will SCHD dominate? Its focus on fundamentals screens out yield traps, emphasizing return on equity above 15% and payout ratios under 60%, resulting in 11% annualized returns since 2011. The ETF’s diversified holdings — 19% energy, 18% consumer staples, and 15% healthcare — offer stability, with top weights likeAmgen(NASDAQ:AMGN) andConocoPhillips(NYSE:COP) providing better than 3% average yields. The 0.06% expense ratio amplifies the dividend’s compounding effects.Holdings grew dividends 8% last year, outpacing inflation, and a 3-for-1 split in October 2024 boosted accessibility. Analysts eye 10% total returns in 2026, driven by sector rotation into value making SCHD a key holding for hands-off investors.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Insiders Snap Up $54M in Biotech and Offshore Driller Stocks
In the past week or so, some public offerings of stock prompted big insider buying. Two were from biopharmaceutical companies riding high on strong trial results. Furthermore, an offshore driller was looking to pay down some debt. However, these were not the only notable purchases in that time.-->-->24/7 Wall St. Key Points:In the past week or so, some public offerings of stock prompted huge insider buying.However, these were not the only notable insider purchases recently.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Let’s take a quick look at these notable transactions in the past couple of weeks.Is Insider Buying Important?What does insider buying tell us?A well-known adage reminds us that corporate insiders and 10% owners really only buy shares of a company because they believe the stock price will rise and they want to profit from it. Thus, insider buying can be an encouraging signal for potential investors. This is all the more so during times of uncertainty in the markets, and even when markets are near all-time highs.With the second-quarter earnings-reporting season over, insiders are largely free to buy or sell shares until the next season begins. Below are some of the most notable insider purchases that were reported recently, starting with the largest and most prominent.PepGenLoading stock data...Buyer(s):10% owner R.A. Capital ManagementTotal shares:almost 9.4 millionPrice per share:$3.20Total cost:$30.0 millionThis biotech-focused investment firm bought into a public offering of PepGen Inc. (NASDAQ: PEPG) shares as the Boston-based company released stellar trial results. The offering raised $115 million, with which PepGen intends to fund ongoing research and clinical development efforts.The stock is more than 300% higher than a month ago and was last seen trading well above the offering price. However, the share price is still down about 45% year over year. But analysts on average see plenty of room to run, as their mean price target is up at $8.17 and their consensus recommendation is to buy shares.Note that this owner also recently bought about $30 million worth of Mineralys Therapeutics Inc. (NASDAQ: MLYS).TransoceanLoading stock data...Buyer(s):a directorTotal shares:4.0 millionPrice per share:$3.05Total cost:$12.2 millionThis transaction was also part of a public offering of stock, in this case to help Transocean Ltd. (NYSE: RIG) pay down debt. Shares retreated after the announcement but now are up more than 24% from 90 days ago. However, a year ago, the stock was trading around $4.50 a share.The Swiss offshore driller has a mean price target of $3.88, signaling 20.1% upside in the next 12 months. Yet, of 13 analysts who cover the stock, only four recommend buying shares, including Barclays, which maintained its Overweight rating back in August.Note that the buyer is also a beneficial owner and has a stake of almost 95.1 million shares.MBX BiosciencesLoading stock data...Buyer(s):a directorTotal shares:almost 666,700Price per share:$18.00Total cost:nearly $12.0 millionThis clinical-stage biopharmaceutical company also had a public offering of shares. MBX Biosciences Inc. (NASDAQ: MBX) was looking to raise around $200 million, after shares surged following positive trial results for its thyroid disease treatment.The stock is 44.7% higher than a month ago but still down 9.5% since the beginning of the year. Shares were last seen trading for less than the offering price. But analysts see lots of room to run, because their mean price target is all the way up at $60.29. All seven analysts who cover the stock recommend buying shares.Note that this buyer also picked up some shares of Arcutis Biotherapeutics Inc. (NASDAQ: ARQT) this summer.And Other Insider BuyingThese were not the only notable insider purchases of the past week or so. Here’s a quick look at some others.StockBuyerSharesPriceCostProspect Capital Corp. (NASDAQ: PSEC)CEO and COOover 2.0 M$2.61 to $2.73over $5.4 MPattern Group Inc. (NASDAQ: PTRN)10% owneralmost 302,300$12.00 to $13.49over $3.8 MOpendoor Technologies Inc. (NASDAQ: OPEN)a directoralmost 300,800$6.65$2.0 MRecently, some smaller insider buying was reported at Agree Realty, AIG, Atlassian, Carmax, CME, Cooper Companies, Simon Property Group, WK Kellogg, and Worthington Enterprises as well.Insiders Buy Over $98 Million in Biotech and Cybersecurity Shares in IPOsGet Ready To Retire (Sponsored)Start by taking a quick retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes, or less. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests. Here’s how it works: 1. Answer SmartAsset advisor match quiz 2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles. 3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future.
Vanguard’s VYM: A Balanced Dividend ETF Built for Uncertain Times
-->-->Key PointsOne ETF that is built to endure these uncertain economic times is Vanguard’s High Dividend Yield Index Fund ETF Shares (VYM) fund.Investors gain access to a higher-than-average dividend yield as well as diversified sector exposure to stocks like Broadcom, Exxon Mobil and Walmart without having to buy these stocks individually.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->If there’s one thing that 2025 has reinforced, it’s the toll that global economic turmoil has taken on investors. During these uncertain times, with further fallout from tariffs still threatening to rear its head, dividend income is more valuable than ever, and one particular dividend ETF , Vanguard’s High Dividend Yield Index Fund ETF Shares (VYM) fund, moves to the front of the line. As the name suggests, this ETF targets large-cap domestic stocks that are on the radar to pay higher-than-average dividend yields based on forward dividend yield.Using the FTSE High Dividend Yield Index as a benchmark, the VYM ETF pays a dividend yield of 2.5%, compared with the S&P 500’s current average dividend yield of a much smaller 1.2%. For investors who are looking for quarterly checks in the mail, the VYM ETF pays dividends like clockwork, ensuring passive income even during times of heightened economic uncertainty. Additionally, VYM is on pace for a 10.4% year-to-date return, while over the past 12 months it has delivered an even juicier 12%, keeping pace with a broader stock market that has been generating double-digit percentage annual returns of late. With a super low expense ratio of 0.06%, compared with an average in this fund category of 0.87%, investors are able to pocket much of those profits. When you tack on quarterly distributions of $0.841700 per share, you have yourself a tidy investment whose dual purpose will bolster your portfolio and pad your bank account despite a most uncertain economy. Loading stock data...VYM ETF Standouts During times of heightened economic uncertainty, one common theme that savvy investors strive for is diversification. With Vanguard’s VYM ETF, you get just that, including exposure to nearly 600 stocks with an average market capitalization of $148.4 billion across sectors of the economy. Rather than buying each one of these stocks individually, you can gain exposure to sectors ranging from consumer staples to energy to technology, with their high-yielding dividends attached, through one streamlined ETF. Among the top names based on their ETF weightings in the fund include semiconductor play Broadcom (Nasdaq: AVGO), financial institution JPMorgan (NYSE: JPM), energy stock Exxon Mobil (NYSE: XOM), pharma giant Johnson & Johnson (NYSE: JNJ) and big-box retailer Walmart (NYSE: WMT).Exxon Mobil boasts a trailing dividend yield of 3.5% and forward dividend yield of nearly 4%, justifying its weighty position in Vanguard’s VYM ETF. Exxon Mobil is also a member of the Dividend Aristocrat club, given its track record of raising dividends for at least 25 consecutive years. Exxon Mobil, whose annual dividend is now $3.96 per share, has increased its cash payout steadily for the past 42 years and is on its way to becoming a Dividend King. Technology stocks are growth plays and therefore aren’t famous for high dividends, explaining Broadcom’s trailing dividend yield of 0.70%. But where AVGO lags on dividend yield it makes up for in performance, with its stock having delivered year-to-date returns of a whopping 45%. Broadcom belongs in VYM for its potential to deliver attractive returns over the long haul. Further, Broadcom carries a predicted forward dividend yield of a higher 2.4%, surpassing the average dividend yield of the broader stock market. Loading stock data...VYM ETF Performance Dividend yield reflects the amount of income you can expect to roll in based on every dollar you have invested in the stock or in this case the ETF. Based on the current trailing yield, investors can expect to earn approximately $25 in annual income for every $1,000 invested in Vanguard’s VYM ETF. Now let’s compare this with the income you can expect from another ETF, say Vanguard S&P 500 ETF (VOO). The VOO ETF pays a dividend yield of 1.1%, resulting in $11 in annual dividend income for a $1,000 investment in this fund.While VYM’s expense ratio of 0.06% is slightly higher than that of VOO (0.03%), investors still come out ahead with the income from the higher-yielding VYM ETF. On the flip side, market returns from Vanguard’s VOO ETF have outperformed those of VYM. But for income-focused investors, VYM outshines its peer with less volatility than the broader stock market along the way. Don’t Rock the Boat In an era of whipsaw markets, VYM shines as a defensive play, offering a steadier ride than the roller coaster markets. That’s because Vanguard’s VYM ETF is built to weather market storms by focusing on high-dividend stalwarts that don’t swing quite as wildly as some of their peers. With a five-year beta (a yardstick of sensitivity to market moves) of just 0.85, it is much less volatile than the broader S&P 500, exhibiting a three-year standard deviation of 14.65%. VYM’s five-year beta of 0.85 means for every 1% the broader market (think S&P 500) shifts, VYM typically budges just 0.85% in the same direction. That’s about 15% less drama, making it a calmer companion especially when combined with its steady stream of dividend payments. If You’ve Been Thinking About Retirement, Pay Attention (sponsor)Retirement planning doesn’t have to feel overwhelming. The key is finding expert guidance, and SmartAsset’s simple quiz makes it easier than ever for you to connect with a vetted financial advisor. Here’s how:Answer a Few Simple Questions. Get Matched with Vetted Advisors Choose Your Fit Why wait? Start building the retirement you’ve always dreamed of.Get started today! (sponsor)
Billionaires Are Piling Into United Health Group and These 2 Stocks
-->-->Key PointsBillionaires are buying up these beaten-down stocks.Some of the most prolific names on Wall Streets are betting on a recovery.Those riding along with them will also reap the rewards if these bets end up green.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->UnitedHealth Group (NYSE:UNH), Bristol-Myers Squibb (NYSE:BMY) andFiserv (NYSE:FI) have been getting plenty of attention from big name investors. Every three months, the SEC’s 13F filings open a small window into those moves, and the most recent Q2 batch shows billionaires piling into certain stocks.As the AI trade has lifted a narrow slice of mega caps to eye-watering valuations, a handful of once-beloved stocks have drifted into the discount rack. In turn, this has created the kind of gap that career money managers live to exploit.Here are the three beaten-down stocks billionaires are piling into:UnitedHealth Group (UNH)Loading stock data...UnitedHealth Grouphas been undergoing a tumultuous 2025, with drama even spilling beyond Wall Street due to a high-profile assassination. Later, the company went through a period of turmoil, with the group’s CEO stepping down in May for “personal reasons” and the company stripping out its guidance entirely.This was then met by investigations, followed by shareholder backlash for UnitedHealth’s shift, which was supposedly misleading and defrauding them.Behind all this drama, however, was America’s largest health insurer. Of course, all of this drama has taken a toll on the stock, but billionaires have piled into the stock. UNH stock is up over 50% from its lows now, as investors realize it may be oversold.It is unlikely that any of the lawsuits and drama will be able to fracture the moat this company has. It is a cash cow and one that grew revenue by 12.91% in Q2 2025 and reinstated its guidance. The billionaires scooping up UNH likely believe the drama will fade and UNH will rebound in earnest. So far, they’re being proven right.Among the billionaires who made the bet in Q2 are David Tepper, Michael Burry, Michael Platt, Boykin Curry, and Bill Duhamel. Many more notable billionaires bought in. Below are the billionaires who are betting the most (as % of their managed fund’s portfolio) in UNH.Billionaire NameValue Owned (of UNH)Q2 2025 ActivityDavid Tepper$764.33 million1,300% increaseMichael Burry$6.24 millionNew buyMichael Platt$42.92 millionNew buyBoykin Curry$1.68 billion99.12% increaseBill Duhamel$146.72 million7.97% increaseBristol-Myers Squibb (BMY)Bristol-Myers Squibb CompanyNYSE:BMY$43.61▼ $3.93(9.02%)6MPre-Market1D5D1M3M6M1Y5YMAXKEY DATA POINTS−Previous Close$43.80Market Cap90.94BDay's Range$43.40 - $44.2352wk Range$42.38 - $61.00Volume11.94MP/E Ratio17.94Gross Margin10.60%Dividend Yield5.52%ExchangeNYSEBristol-Myers Squibbhas been troubled name for the past three years. It is down over 44% from its peak in 2022. The decline has been continuous with breakout rallies failing to sustain into a long-term uptrend. The main culprit is the patent cliff that is affecting multiple blockbuster drugs of this company.For example, Revlimid generated $12.9 billion in 2021 but sales from this drug collapsed to $6 billion by 2023. Eliquis is generating over $13 billion annually but patent expiration is expected between 2026-2028. These massive figures would turn away almost anyone, but certain billionaires are bucking the trend and buying BMY stock instead.The thought process is that BMY stock has turned into a deep value opportunity as the market is overreacting to patent expirations. The company’s pipeline remains strong and new drugs are filling the gap as patents expire. Free cash flow continues to grow, reported at $13.9 billion in 2024 vs. just $7.4 billion in 2019. Revenue also grew to $48.3 billion in 2024 from $45 billion in 2023. And if that wasn’t enough, BMY stock gets you a 5.49% dividend yield and has increased dividend payouts for 17 years consecutively. The payout ratio isstilljust 36.55%.Among the billionaires backing up the truck here are Ray Dalio (before he sold his Bridgewater stake), Cliff Asness, Jeremy Grantham, John Overdeck, and Richard Handler.Billionaire NameValue OwnedQ2 2025 ActivityRay Dalio$125.16 million15.48% increaseCliff Asness$280.88 million1.66% increaseJeremy Grantham$40.29 million401.92% increaseJohn Overdeck$51.73 million51.32% increaseRichard Handler$3.35 million44.43% increaseFiserv (FI)Loading stock data...Fiserv is a fintech company that sells payment processing services. The business is mostly software-oriented, and it doesn’t deal with lending or issuing cards. Roughly half of revenue comes from Merchant Acceptance (Clover point-of-sale hardware & software, e-commerce gateways, gift/loyalty programs). The other half is Financial-institution technology (core bank-processing, card-issuing platforms, risk and compliance tools, digital-banking apps) and a fast-growing Payments & Network unit (Zelle, debit processing, real-time ACH, prepaid). Because revenue is mostly fee-per-transaction or long-term SaaS contracts, the model is highly recurring and cash-generative.2025 has not been pretty for the company. Fiserv’s Clover payment-processing platform has been the biggest growth driver, but growth has been slowing down notably. Q2 growth volume growth was posted at just 8%, with many analysts expecting double-digit growth.Full-year organic revenue growth for the whole company was “refined” down to 10% from a previous range of 10% to 12%.Some billionaires are still optimistic, and the rationale is likely that they see this as a temporary slowdown. Rate cuts are happening again and the economy has been far more resilient than many would have thought. Plus, banks are starting to experiment more with software.FI stock is down 47% from its peak this year, but if growth rebounds in the future, it may zoom right back up.The billionaires buying FI include Michael Lowenstein, Michael Platt, Seth Klarman, Ray Dalio, and David Shaw.Billionaire NameValue OwnedQ2 2025 ActivityMichael Lowenstein$266.52 million11.26% increaseMichael Platt$30.85 millionNew buySeth Klarman$154.31 millionNew buyRay Dalio$217.56 million8.47% increaseDavid Shaw$428.27 million19,786.58% increaseIf You have $500,000 Saved, Retirement Could Be Closer Than You Think (sponsor)Retirement can be daunting, but it doesn’t need to be.Imagine having an expert in your corner to help you with your financial goals. Someone to help you determine if you’re ahead, behind, or right on track. With SmartAsset, that’s not just a dream—it’s reality. This free tool connects you with pre-screened financial advisors who work in your best interests. It’s quick, it’s easy, so take the leap today and start planning smarter!Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)
2 Vanguard ETFs To Load Up On in October
-->-->Key PointsThe high-yielding VYM ETF is ideal for passive income investors.Meanwhile, you can ride the tech-sector wave with the VGT ETF.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->October doesn’t have to be a scary month if you’re properly positioned with exchange traded funds (ETFs). Vanguard’s variety of ETFs could potentially make this a profitable month if you choose the right funds for your portfolio.Two Vanguard ETFs in particular stand out as strong buys for October. They’re quite different, though they have common features: low expenses and plenty of established blue-chip stocks in their holdings.Combining these two Vanguard funds could add some serious growth power to your investment account. So, let’s unpack a pair of October Vanguard ETF picks for your consideration.Vanguard High Dividend Yield ETF(VYM)VYM$140.91▲ $14.21(10.09%)1YPre-Market1D5D1M3M6M1Y5YMAXWhy not engage in some yield harvesting in October? Passive income can be a foundational element of any long-term wealth-building plans.In that vein, Vanguard brings you a popular fund at a low cost. It’s theVanguard High Dividend Yield ETF(NYSEARCA:VYM), which tracks a huge basket of stocks offering attractive dividend yields.How huge is the basket? Believe it or not, the Vanguard High Dividend Yield ETF’s holdings list includes 579 stocks. You’ll surely recognize some of the stocks on the list, such as Exxon Mobil(NYSE:XOM), Johnson & Johnson(NYSE:JNJ), JPMorgan Chase(NYSE:JPM), and Walmart(NYSE:WMT).You might expect to pay substantial fees to the fund’s management for such broad diversification. Yet, the Vanguard High Dividend Yield ETF only deducts an annualized expense ratio of 0.06%. This translates to operating fees of just $0.06 per year for every $100 invested in the fund.While the wide diversification and low fees are important, many folks who own the Vanguard High Dividend Yield ETF are mainly in it for the dividends. Currently, the VYM ETF features an annual yield of 2.45%.It’s too late to collect the $0.84 per share that the Vanguard High Dividend Yield ETF distributed in September. Nevertheless, you can get a head start in October by grabbing some VYM shares in anticipation of the next payout, which will likely occur in December.Vanguard Information Technology ETF (VGT)Loading stock data...My second October pick for you today is theVanguard Information Technology ETF(NYSEARCA:VGT). As you’ll see, this one is quite different from the Vanguard High Dividend Yield ETF.Granted, both of these funds have low operating expenses. As for the Vanguard Information Technology ETF, its annualized expense ratio is quite reasonable at just 0.09%.Moreover, like the VYM ETF, the Vanguard Information Technology ETF is a broadly diversified fund. To be more specific, VGT’s holdings list comprises 316 stocks.Unlike the Vanguard High Dividend Yield ETF, however, the Vanguard Information Technology ETF’s holdings aren’t spread across many different economic sectors. Instead, VGT focuses on the information technology sector, which includes software, semiconductors, and more.Again, we’re talking about a Vanguard fund that includes plenty of blue chips. Prominent examples of stocks in VGT’s holdings list areNVIDIA(NASDAQ:NVDA), Microsoft(NASDAQ:MSFT), Apple(NASDAQ:AAPL), and Broadcom(NASDAQ:AVGO).I’ll acknowledge that the Vanguard Information Technology ETF doesn’t offer a big dividend yield like the Vanguard High Dividend Yield ETF does. Still, the VGT ETF’s 0.39% annual yield is a nice little bonus for long-term investors.Since the Vanguard Information Technology ETF pays its dividends every three months, you can reinvest the cash distributions to help boost your returns over time. At the same time, you could profit from share-price appreciation if technology stocks surge and VGT heads higher.A Plan for OctoberIt might seem jarring to consider two very different ETFs, even if they’re both Vanguard funds. One offers a high yield and is more safety-focused while the other is relative low-yielding and may be riskier.That said, it’s worthwhile to give both the Vanguard High Dividend Yield ETF and the Vanguard Information Technology ETF a try this month. With VYM, you can de-risk your portfolio with wide diversification across multiple market sectors while earning decent quarterly passive income.At the same time, technology stocks are on a winning streak in 2025 so far and it would be a shame to miss out on further tech-sector gains. Thus, to possibly benefit from future share-price appreciation, it’s not a bad idea to hold some share of the Vanguard Information Technology ETF.A sensible plan, then, could be to purchase a larger amount of VYM shares and a smaller quantity of VGT shares; a two-to-one ratio should do the trick. That way, you’ll be ready in October and afterwards for dividends and growth, courtesy of fabulous fund manager Vanguard.Get Ready To Retire (Sponsored)Start by taking a quick retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes, or less.Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.Here’s how it works:1. Answer SmartAsset advisor match quiz2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future.
Buy, Sell or Hold: 3 Stocks Under $10 Up Over 100%
-->-->Key PointsCheap stocks lure unwitting investors with quick pops but hide execution failures.Past highs don’t guarantee rebounds –fundamentals still rule.Skip momentum plays and hunt proven cash flow instead.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->Cheap stocks often trade at low prices for good reasons. They can signal underlying problems like weak growth, high debt, or outdated business models that investors have already priced in. Stocks under $10 carry extra risk because they often come from companies the market has rejected, especially those that once traded far higher during better times. This rejection reflects doubts about their ability to recover. Yet, bargains exist — undervalued assets tossed aside in broad sell-offs — the classic case of throwing the baby out with the bathwater. Unfortunately, the three stocks below fall into the former camp. Despite being under $10 and having risen over 100% from their 52-week lows, they deserve their low prices, and investors should avoid them at all costs.Peloton Interactive (PTON)Peloton Interactive(NASDAQ:PTON), once a pandemic sensation with the stock topping $160 per share, has clawed back from a 52-week low of $4.25 to close yesterday at $8.68 per share, a 104% gain. Loading stock data...The rebound stems from cost-cutting measures, including layoffs and content rights deals that eased financial pressure, plus hype around a new CEO fromApple(NASDAQ:AAPL) bringing tech polish. Subscribers ticked up slightly in recent quarters, and adjusted EBITDA turned positive, fueling short-covering and retail trader buzz on social media.But at current levels, the risks outweigh any momentum. Revenue keeps sliding — down 7.8% last fiscal year — with hardware sales tanking 18% as consumers ditch pricey bikes and treadmills after the pandemic lockdown. Connected fitness demand never fully returned, leaving Peloton with excess inventory and a bloated balance sheet. Debt remains heavy at over $1.7 billion, and free cash flow is negative, burning through cash despite cuts. And it seems to have learned nothing as it will soon be introducing a $6,700 Tread+ treadmill, a 700% markup from basic models that screams tone-deaf pricing in a budget-conscious market. Analysts peg fair value near $9, but with ongoing subscriber churn and no clear path to sustained profitability, another leg down to sub-$5 feels likely. Steer clear — this rebound is just a head fake.BigBear.ai (BBAI)BigBear.ai Holdings(NYSE:BBAI), an AI analytics firm targeting defense and logistics, has rocketed 428% from its 52-week low of $1.38 to about $7.27 per share. The surge ties to a wave of government deals, like AI orchestration for U.S. Navy maritime ops at UNITAS 2025 and airport security pilots, riding the broader AI defense spending boom. Partnerships withPalantir Technologies(NYSE:PLTR) andAutodesk(NASDAQ:ADSK) added credibility, sparking a 51% monthly pop and high options volume as speculators piled in.Loading stock data...Still, buying now is a trap. Revenue grew a measly 2% to $158 million last year, while net losses exploded 318% to $296 million, thanks to R&D bloat and acquisition digestion. The company trades at 17 times sales — steep for a firm with razor-thin margins and $150 million in debt. Q2 showed an 18% revenue dip, and forecasts call for wider losses of $0.41 per share this year. Wall Street’s “Strong Buy” label comes from just three analysts, ignoring execution risks in a crowded AI field where giants like Palantir dominate. Volatility is brutal — BBAI has a beta over 3 — and with no profitability until maybe 2027, this rally could evaporate on missed contracts or rate hikes. It’s momentum without meat, making BBAI stock a pass.Plug Power (PLUG)Plug Power(NASDAQ:PLUG), a hydrogen fuel cell pioneer, has doubled 312% from its 52-week low of $0.69 to $2.83 per share. The lift came from green hydrogen plant milestones, like delivering electrolyzers toGalp‘s refinery, and a $1 billion stock sales pact for liquidity. Broader clean energy tailwinds, including tax credit tweaks in the OBBBA, boosted sentiment.Yet, the stock is surging 33% higher this morning with no clear catalyst — likely a short squeeze after Friday’sHC Wainwrightupgrade doubling its target to $7. No news accounts for its rise today, underscoring how technicals, not fundamentals, drive it. Loading stock data...Losses hit $2.1 billion last year on $900 million revenue, with negative gross margins and $1.4 billion cash burn. Even with cost cuts targeting breakeven next quarter, dilution from share offerings erodes value — shares outstanding are up 20% from last year. Hydrogen adoption lags, facing cheap natural gas competition, and Plug’s 25-year profit drought persists. At 6.7 times sales, it’s overvalued for a serial diluter with beta 2.26. The squeeze may fade fast, dragging shares back to $1 so investors would be wise to avoid this volatile trap.Cheap stocks signal market doubt for a reason. Under $10 names amplify volatility and dilution risks. True gems emerge from panic sells, but these are overhyped traps.If You’ve Been Thinking About Retirement, Pay Attention (sponsor)Retirement planning doesn’t have to feel overwhelming. The key is finding expert guidance, and SmartAsset’s simple quiz makes it easier than ever for you to connect with a vetted financial advisor. Here’s how:Answer a Few Simple Questions. Get Matched with Vetted Advisors Choose Your Fit Why wait? Start building the retirement you’ve always dreamed of.Get started today! (sponsor)
Here’s How Much You Have to Invest In These 3 JPMorgan ETFs to Generate $10,000 a Year In Passive Income
-->-->Key PointsPassive income through ETFs beats stock-picking risks by providing instant diversification.High yields can accelerate goals, but blend funds for balance.Compounding turns consistent contributions into life-changing sums over time.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->Exchange-traded funds (ETFs) have become a go-to for investors seeking straightforward ways to build wealth without the hassle of picking individual stocks.JPMorgan Chase(NYSE:JPM), one of the largest financial institutions globally, stands out in this space with its lineup of ETFs designed for income generation. These funds offer low costs, broad exposure, and reliable payouts, making them solid choices for anyone aiming to create a steady stream of passive income.For retirees or those planning ahead, hitting $10,000 in annual dividends can feel like a stretch. But with disciplined saving and the right ETFs, it’s achievable. Through the power of time and the magic of compounding, we can break it down into a more manageable figure.Let’s see exactly how much you’d need to invest in each of the following three top JPMorgan ETFs to reach that $10,000 mark and turn a hefty initial outlay into a reliable income engine.JPMorgan Equity Premium Income ETF (JEPI)TheJPMorgan Equity Premium Income ETF(NYSEARCA:JEPI) has gained traction since its 2020 launch for blending stock returns with enhanced income. It holds a portfolio of about 130 large-cap U.S. stocks, focusing on low-volatility names like those in tech and healthcare. What sets JEPI apart is its covered call strategy: the fund sells out-of-the-money call options on theS&P 500to generate premium income, which funds its monthly dividends.JEPI$56.87▲ $1.85(3.25%)1YPre-Market1D5D1M3M6M1Y5YMAXThis approach delivers a trailing 12-month yield of 7.2%, well above the S&P 500’s average. With an expense ratio of just 0.35%, it’s cost-efficient for active management. Assets under management top $40 billion, reflecting strong investor trust. Year-to-date through October 2025, JEPI has returned about 5.1%, lagging the broader market slightly due to its defensive tilt but excelling in down months.To pull in $10,000 annually from JEPI, you’d need roughly $139,500 invested. That’s $10,000 divided by 0.0717. For context, if you add $500 monthly and reinvest dividends at a 7% annual growth rate, you could hit this target in under 15 years starting from zero. JEPI suits conservative investors who want market exposure without the full ride’s ups and downs.JPMorgan Nasdaq Equity Premium Income ETF (JEPQ)If you’re bullish on tech but wary of volatility, theJPMorgan Nasdaq Equity Premium Income ETF(NYSEARCA:JEPQ) deliversNasdaq-100exposure with an income twist. Launched in 2022, it invests in the index’s top holdings such asMicrosoft(NASDAQ:MSFT),Apple(NASDAQ:AAPL), andNvidia(NASDAQ:NVDA) while overlaying a covered call strategy on the Nasdaq-100 itself. This generates extra cash from option premiums, paid out monthly.JEPQ$57.30▲ $9.33(16.29%)1Y1D5D1M3M6M1Y5YMAXJEPQ’s trailing yield sits at 9.45%, driven by the Nasdaq’s growth stocks and those premiums. Its expense ratio matches JEPI at 0.35%, and AUM has surged to over $30 billion amid tech enthusiasm. Performance-wise, it’s up 10.1% year-to-date, capturing much of the AI boom while cushioning drops through income.Hitting $10,000 a year requires about $106,000 in JEPQ. This lower entry point makes it appealing for growth-oriented portfolios. However, the tech focus means more swings — beta around 0.85 versus the Nasdaq’s 1.0. Ideal for those comfortable with sector concentration but seeking yields that outpace bonds or traditional dividends.JPMorgan Dividend Leaders ETF (JDIV)For a straightforward bet on reliable payers, theJPMorgan Dividend Leaders ETF(NYSEARCA:JDIV) targets companies with strong dividend track records worldwide. It selects from theMSCI ACWI Index, emphasizing firms that grow or sustain payouts relative to peers. Holdings span about 100 stocks, including U.S. giants likeProcter & Gamble(NYSE:PG) and international names from Europe and Asia, for true diversification.JDIV$53.80▲ $6.17(11.47%)1Y1D5D1M3M6M1Y5YMAXJDIV offers a trailing yield of 1.69%, with a 0.47% expense ratio. AUM hovers at just $7.9 million, much smaller than its siblings but growing steadily. Its size disguises the ETFs performance this year, delivering 18.4% returns, blending income stability with appreciation.To generate $10,000 yearly, however, it’s going to take a sizable chunk of change: almost $592,000 invested. This higher amount reflects the fund’s conservative yield, but it shines in reliability: over 80% of holdings have raised dividends for a decade or more. Still, by adding $1,500 a month, you can reach the goal in under 20 years, and it’s a perfect vehicle for international exposure without currency headaches, as it hedges against forex risks.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Apple Can Take On OpenAI as AI Search Comes to Siri
Apple(NASDAQ:AAPL) stock has been spending much of the year in recovery mode after shares started off the year with a nasty slide that eventually led to a post-Liberation Day bottom. Indeed, since those now-distant April lows, shares have gone on to gain close to 50%. And with shares starting to flatline just shortly after hitting new all-time highs just north of $258 per share, the big question is what the next big move will be.Some bears, including those at Jefferies, who slapped the stock with a sell rating, think there’s downside risk to worry about as iPhone hopes get overheated. Others, like Wedbush Securities’ Dan Ives, think Apple has a “massive opportunity” to capitalize on AI. With a $310 per-share target on shares of AAPL, he’s among the biggest of bulls on the name.Personally, I’m more inclined to side with Ives and the bulls, given Apple seems like a story that’s about so much more than just the iPhone, iPad, and Mac; it’s more about the AI strategy, which, I believe, will become clearer in 2026.You could argue that Apple is playing from behind in the AI ballgame, especially compared to the likes of current leaders like OpenAI. However, with that also comes an opportunity to make up significant ground. Some of the more skeptical analysts may not be sold on such an AI comeback.-->-->Key PointsApple stock just hit a new high, but further upside likely hinges on how well new AI products go in the new year.An AI-driven upgrade cycle may finally kick off in the new year once Apple’s intelligence efforts kick in.AI search, a Gemini integration, and other AI apps (a fitness coach?) are powerful drivers that might not be too far off.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->AI expectations feel too low for Apple. Either way, I think expectations surrounding AI are low enough that shares might be able to enjoy anAlphabet(NASDAQ:GOOG) moment next year if its coming AI innovations are received more favorably.Indeed, Apple Intelligence has seemingly set a low bar for Apple and AI, perhaps so much so that a well-polished product might be able to spark a breakout, the likes of which Apple may not have seen since 2020. Even without a gigantic leap between iPhone releases, I do think getting AI right could mean the difference between decent results and one of those once-per-decade device supercycles. With OpenAI hogging the headlines again this past month, following a number of deals, new app launches, and investments, questions linger as to whether Apple will step up with an investment of its own. Indeed, the AI rumor mill has been alive and well for Apple. But I would be shocked if the iPhone maker were to make a move now.After all, Apple doesn’t typically follow the herd.Arguably, it’s better-positioned to innovate organically on AI, especially as the firm makes new strides in the new year. With a big AI-driven upgrade coming to Siri (early-2026?) and the potential integration of Google Gemini, Dan Ives seems right to be bullish on AAPL stock when so many others have moved on from the name to hotter Mag Seven stocks that have attracted more of that AI upside.Future upgrades could make Siri and Apple Intelligence far more competitivePersonally, I think Siri only has higher to go from here. Even if the “personal intelligence” opportunity doesn’t immediately hit the spot for consumers, I think the bar on Apple Intelligence is low enough that even modest upgrades could be enough to convince those with older devices to upgrade.Of course, if Apple does get AI right, a device supercycle could coincide with the launch of new AI-driven applications that help take services revenue growth into overdrive. Indeed, an AI-powered health coach or something similar could be a big deal, especially if they make good use of the vitals read by the Apple Watch.Combined with a smarter, personalized Siri that can make good use of an AI search engine, like “World Knowledge Answers,” and I think the Apple party is just getting started. I think that by this time next year, most folks will view Apple as a serious rival with OpenAI when it comes to new AI apps.As Apple critics have questioned Apple’s AI, the team has been busy observing and likely exploring ways to make AI better for its customers. Indeed, AI tech, as it exists today, is impressive, but there’s room for betterment. And I think Apple will be a catalyst for such.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
The Rotation To Value Is On – 5 October Surprise High-Yield Picks
An “October Surprise”is usually a significant, late-breaking news event that generally occurs just before a November election and has the potential to influence its outcome. These events can be intentional, such as a planned political attack, or unexpected, like a major news story that emerges spontaneously. While there is no election this year, the big financial “October Surprise” is that fund flows are starting to indicate a rotation from large-cap growth stocks to value. While the inclination of many to continue investing in technology stocks, especially those with an AI component, remains in place, weekly all-time highs in all the major indices are starting to move flows to value.-->-->24/7 Wall St. Key Points:Large cap value dividend stocks are starting to see more and more investor rotation.With the market trading at all-time highs, it makes sense to move to value stocks with high yields.High-yield value dividend stocks are likely to perform well as the Federal Reserve lowers interest rates.Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)-->-->A value stockis generally a company that trades at a price lower than its fundamental value or what its performance suggests it should be worth. Typically, these are shares of a company with solid fundamentals that are priced below those of its peers, based on an analysis of the price-to-earnings ratio, yield, price-to-book value, and other relevant factors. Value stocks are often overlooked by the market or undervalued due to factors such as market volatility, economic downturns, or negative news surrounding the company, which may be temporary in nature.We screenedour 24/7 Wall St. large-cap value research database, looking for companies that pay reliable and significant dividends. Five of our favorite stocks have appeared on our screens, and all are rated Buy by top Wall Street firms, offering safety and strong upside potential.Why do we cover Value dividend stocks?Since 1926,dividends have contributed approximately 32% of the total return for the S&P 500, while capital appreciation has contributed 68%. Therefore, sustainable dividend income and capital appreciation potential are essential for total return expectations. A study by Hartford Funds, in collaboration with Ned Davis Research, found that dividend stocks delivered an annualized return of 9.18% over the 50 years from 1973 to 2023. Over the same timeline, this was more than double the annualized return for non-payers (3.95%).Exxon MobilLoading stock data...ExxonMobil manages an industry-leading portfolio of resources and is one of the world’s largest integrated energy companies, with operations spanning fuels, lubricants, and chemicals. The decline in oil prices presents investors with an excellent entry point, as the shares are trading 14% below fair value with a 3.34% dividend yield. Exxon Mobil Corporation (NYSE: XOM) is the world’s largest international integrated oil and gas company, exploring for and producing crude oil and natural gas in the United States, Canada/South America, Europe, Africa, Asia, and Australia/Oceania.Exxon Mobilalso manufactures and markets commodity petrochemicals, including olefins, aromatics, polyethylene, and polypropylene plastics, as well as specialty products. Additionally, the company transports and sells crude oil, natural gas, and petroleum products.Top WallStreet analysts expect the company to remain a key beneficiary in a higher oil price environment, and most remain very optimistic about the company’s sharp positive inflection in capital allocation strategy.Upstreamportfolio and leverage to a further demand recovery. ExxonMobil offers greater Downstream/Chemicals exposure than its peers.Exxon Mobilhas completed its purchase of oil shale giant Pioneer Natural Resources Company in an all-stock transaction valued at $59.5 billion. The deal created the largest U.S. oil field producer and guarantees a decade of low-cost production.MedtronicLoading stock data...Medtronic plc(NYSE: MDT) is a medical technology giant trading 20% below its fair value with a 2.94% yield. It has been returning 60-70% of free cash flow to shareholders, making it the perfect stock for those seeking a safe position in the healthcare devices sector. The company develops, manufactures, and sells device-based medical therapies to healthcare systems, physicians, clinicians, and patients worldwide.The CardiovascularPortfolio segment offers:Implantable cardiac pacemakersCardioverter defibrillatorsCardiac resynchronization therapy devicesCardiac ablation productsInsertable cardiac monitor systemsTYRX products, remote monitoring, and patient-centered softwareIt also providesaortic valves, surgical valve replacement and repair products, endovascular stent grafts and accessories, transcatheter pulmonary valves, percutaneous coronary intervention products, and percutaneous angioplasty balloons.The NeurosciencePortfolio segment offers:Medical devices and implantsBiologic solutionsSpinal cord stimulation and brain modulation systemsImplantable drug infusion systemsInterventional productsNerve ablation systems under the Accurian nameThe segment offersproducts for spinal surgeons, neurosurgeons, neurologists, pain management specialists, anesthesiologists, orthopedic surgeons, urologists, urogynecologists, interventional radiologists, ear, nose, and throat specialists, as well as energy surgical instruments.The MedicalSurgical Portfolio segment offers:Surgical stapling devicesVessel sealing instrumentsWound closure and electrosurgery productsAI-powered surgical video and analytics platformRobotic-assisted surgery productsHernia mechanical devicesMesh implantsGynecology productsGastrointestinal and hepatologic diagnostics and therapiesTherapies to treat other non-exclusive diseases and conditions, and patient monitoring and airway management products.The Diabetes OperatingUnit segment provides insulin pumps and consumables, continuous glucose monitoring systems, and InPen, an innovative insulin pen system.MerckLoading stock data...Merck developsand produces medicines, vaccines, biological therapies, and animal health products. Merck & Co. Inc. (NYSE: MRK) is not just a healthcare company but a global force in the industry. This healthcare giant is trading 25% below fair value with a 3.53% yield, making it one of the more undervalued options. The company operates through two segments:PharmaceuticalAnimal HealthThe Pharmaceuticalsegment offers human health pharmaceutical products in:OncologyHospital acute careImmunologyNeuroscienceVirologyCardiovascularDiabetesVaccine products, such as preventive pediatric, adolescent, and adult vaccinesThe Animal Healthsegment discovers, develops, manufactures, and markets veterinary pharmaceuticals, vaccines, health management solutions and services, as well as digitally connected identification, traceability, and monitoring products.Merckserves:Drug wholesalersRetailersHospitalsGovernment agenciesManaged healthcare providers, such as health maintenance organizationsPharmacy benefit managers and other institutionsPhysiciansPhysician distributorsVeterinariansAnimal producersMerck’s growthis a result of its efforts and strategic collaborations. The company works with AstraZeneca PLC (NYSE: AZN), Bayer AG, Eisai Co., Ltd., Ridgeback Biotherapeutics, and Gilead Sciences, Inc. (NASDAQ: GILD) to jointly develop and commercialize long-acting treatments for HIV, demonstrating a commitment to innovation and growth.PepsiCoLoading stock data...This top consumerstaples stock posted solid earnings for the second quarter and will supply all the goods for the NFL football season, tailgates, and parties. Trading 17% below fair value with a 3.83% yield, the stock is also a dividend aristocrat. PepsiCo, Inc. (NYSE: PEP) is a worldwide food and beverage company.Its Frito-LayNorth America segment offersLays and Ruffles potato chipsDoritos, Tostitos, and Santitas tortilla chipsCheetos cheese-flavored snacks, branded dipsFritos corn chipsThe company’sQuaker Foods North America segment provides:Quaker OatmealGritsRice cakesNatural granola and oat squaresPearl Milling mixes and syrupsQuaker Chewy granola barsCap’n Crunch cerealLife cerealRice-A-Roni side dishesPepsico’s NorthAmerica Beverages segment offers beverage concentrates, fountain syrups, and finished goods under these brands:PepsiGatoradeMountain DewDiet PepsiAquafinaDiet Mountain DewTropicana Pure PremiumSierra MistMug brandsU.S. BancorpLoading stock data...Based inMinneapolis, this Super-Regional financial giant is an outstanding choice for growth and income investors now. U.S. Bancorp (NYSE: USB) is a financial services holding company that is trading 11% below fair value, with the highest yield on this list at 4.17% The bank’ssegments are:WealthCorporateCommercial and Institutional BankingConsumer and Business BankingPayment ServicesTreasury and Corporate SupportIt offers acomprehensive range of financial services, including lending and deposit services, cash management, capital markets, and trust and investment management services. It also engages in credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage, and leasing.The company’sbanking subsidiary, U.S. Bank National Association (USBNA), is engaged in the banking business, principally in domestic markets. USBNA provides a range of products and services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions. IThe non-bankingsubsidiaries offer investment and insurance products to customers primarily within their domestic markets, as well as fund administration services to a range of mutual and other funds.Oppenheimerhas assigned an Outperform rating with a target price of $67.Get Ready To Retire (Sponsored)Start by taking a quick retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes, or less.Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.Here’s how it works:1. Answer SmartAsset advisor match quiz2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future.
3 Ultra-High-Yield Stocks Wall Street Can’t Stop Saying to Buy
-->-->Key PointsHigh yields are tempting, but often hide coming dividend cuts or price drops from distress.Rising interest rates can shift capital to bonds, eroding a high-yield stock’s appeal, but we look like we’re entering an easing cycle.Prioritize coverage and track records over raw percentages.It sounds nuts, but SoFi is giving new active invest users up to $1k in stock, see for yourself (Sponsor)-->-->Dividend investing draws in many with the promise of steady income, but chasing high yields carries real dangers. High yields often signal trouble: a stock price drop from poor performance might inflate the yield artificially, masking risks like dividend cuts if earnings weaken. Rising interest rates can also make these stocks less appealing compared to safer bonds, triggering outflows and further price declines. Unsustainable payouts have the effect of straining company finances, potentially leading to slashed dividends and capital loss. High payout ratios amplify this — earnings dips could force reductions, hitting total returns hard. Yet, Wall Street remains optimistic about three standout dividend stocks below, all yielding over 10% with fresh buy ratings that highlight their resilience and growth potential.AGNC Investment (AGNC)AGNC Investment(NASDAQ:AGNC) is a mortgage real estate investment trust (mREIT) focused on agency residential mortgage-backed securities. Those are securities backed by government-sponsored agencies like Fannie Mae, Freddie Mac, and Ginnie Mae. The mREIT leverages borrowed funds to amplify returns on these assets, paying out most income as monthly dividends. AGNC currently sports a dividend yield around 14.5%, backed by its $11 billion portfolio.While REITs generally carry higher-than-average yields anyway, Wall Street analysts are bullish on AGNC stock, with firms likeRBC CapitalandUBSreaffirming buy ratings in recent months. They point to AGNC’s strong net asset value growth, up 5% quarter-over-quarter in the second quarter, driven by favorable mortgage spreads amid cooling inflation. Strategic hedging against rate volatility has shielded book value, while a recent preferred stock offering bolsters capital for portfolio expansion. Loading stock data...Analysts forecast earnings of $0.39 per share for the next quarter, supporting the $1.44 annual dividend. With price targets averaging $9.74 per share –implying modest downside from current levels — bulls see AGNC thriving if the Fed eases rates further, boosting MBS demand.Investors should buy into this outlook. AGNC’s agency focus minimizes credit risk, and its history of maintaining dividends through cycles adds reliability. That said, leverage exposes it to prepayment and rate swings; a sudden Fed pivot could pressure spreads. For yield seekers tolerant of some volatility, AGNC merits a spot in diversified portfolios, but pair it with rate hedges to mitigate downsides.Blue Owl Capital (OBDC)Blue Owl Capital(NYSE:OBDC) operates as a business development company (BDC) lending to mid-market tech and software firms. It provides senior secured loans, generating stable interest income funneled into quarterly dividends. OBDC yields about 11.8%, reflecting its $13 billion portfolio of floating-rate debt.Analysts from RBC Capital issued a buy rating whileLadenburg Thalmannput out a strong buy rating in August, lifting the consensus price target to $15.68 — a 27% premium over recent trading levels. Key drivers include portfolio yield expansion to 11.2% from rate resets, with non-accrual rates below 1%, signaling strong borrower health. Loading stock data...OBDC’s focus on recession-resistant tech subsectors like cybersecurity has delivered 8% net investment income growth year-over-year. Recent originations hit $1.2 billion, targeting underserved borrowers amid tight bank lending. With EPS projections at $1.75 for 2025, the dividend looks covered 1.3 times, according to analyst models.Agreement with analyst sentiment makes sense for income-oriented investors. OBDC’s floating rates hedge inflation, and its BBB credit rating from Fitch underscores stability. Risks linger in tech slowdowns — portfolio concentration could amplify defaults if venture funding dries up. Still, diversified holdings and conservative leverage (0.8x debt-to-equity) tilt the scales toward a buy recommendation. OBDC stock is a solid pick for those eyeing balanced yield with moderate growth.TXO Partners (TXO)TXO Partners(NYSE:TXO), an upstream energy partnership, acquires and optimizes conventional oil and gas assets in the Permian, San Juan, and Williston basins. It emphasizes low-risk development and divestitures for cash returns, distributing proceeds quarterly. Yielding roughly 15.6% at current prices, TXO benefits from $500 million in proved reserves.StifelandRaymond Jamesanalysts reiterated buy calls recently, with targets averaging $21.50 per share — over 50% above spot prices. They highlight TXO’s 2025 distribution guidance of $0.35 to $0.40 per unit, up 10% from prior year, fueled by Elm Coulee field expansions yielding 20% internal rate returns at current oil prices. The partnership’s Mancos Shale pilots show promise, with 15% reserve growth expected. Loading stock data...Second-quarter results beat estimates, with production up 12% to 5,000 barrels of oil equivalent per day and free cash flow covering payouts 1.5 times. With West Texas Intermediate at around $61 per barrel, TXO’s operations remain profitable.Investors can feel comfortable with analyst calls, but with caution. TXO’s mature assets dodge wildcat risks, and hedging 70% of output stabilizes cash flows. Yet, commodity volatility looms large — prolonged low prices could trim distributions. For energy bulls betting on steady demand, TXO offers compelling value; others might wait for clearer geopolitics as OPEC+ nations begin to ramp up production. Overall, the buy thesis remains intact at current prices.Want Up To $1,000? SoFi Is Giving New Active Invest Users up to $1k in StockLooking to grow your money but unsure where to begin? SoFi Active Invest is offering a limited-time promotion—open an account, fund it with $50 or more, and you could receive up to $1,000 in complimentary stock for Active Invest accounts.From $0 commission trading to fractional shares and automated investing, this app is designed to simplify investing for everyone, whether you’re just starting or already experienced. Its easy to sign up and secure your bonus.(sponsor)DISCLOSURE:INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEBrokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options [HYPERLINK: https://www.theocc.com/getmedia/a151a9ae-d784-4a15-bdeb-23a029f50b70/riskstoc.pdfInvesting in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement [HYPERLINK https://www.sofi.com/iporisk/]. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation [HYPERLINK https://support.sofi.com/hc/en-us/articles/360058602892-How-does-SoFi-allocate-IPO-shares].
Synopsys Dropped 36% After Earnings: Is This an Overreaction or Buying Opportunity?
After the market closed on September 9th,Synposys (Nasdaq: SNPS) reported fiscal Q3 earnings that shocked Wall Street. The company reported Q3 adjusted earnings of $3.39, which were below expectations of $3.75 per share. Looking forward, the company’s outlook for Q4 was an even bigger miss. The company guided to Q4 earnings of $2.76-$2.80, well below expectations of $4.14. Synopsys has been one of the most successful companies over the past decade. Adjusted earnings grew every single year, rising from $2.53 in 2014 to $13.20 in 2024. Yet the company, which is broadly seen as an AI beneficiary, was now projecting normalized earnings to drop in 2025 despite a boom across the broader semiconductor space. In this segment from 24/7 Wall St.’s AI Investor Podcast, technology analyst Eric Bleeker deconstructs what happened in Synopsys’ recent quarter. He also answers the most important question following their surprising earnings miss: Is this a temporary issue or should long-term investors reconsider owning Synposys?-->-->Key PointsSynopsys reported its fiscal Q3 earnings on September 9th and dropped 36% the next day.The company reported poor earnings in the prior quarter. Adjusted EPS of $3.39 came in below Wall Street’s expectations of $3.75. Its guidance was even worse. Synposys guided to adjusted EPS next quarter of $2.76-$2.80. Wall Street had expected the compayn to guide to adjusted EPS of $4.14.In the segment below from the AI Investor Podcast, we break down why the company’s relationship with Intel was the main reason for this surprising earnings miss. We also examine whether this is a one-time event or something that could create long-term concerns for the company.-->-->Watch Our Segment on Synopsys’ Surprising Q3 Earnings Miss Here’s a summary of the key points from this discussion:Snyposys is a leading Electronic Design Automation (EDA) provider. The company released its fiscal Q3 earnings on September 9th, and shares fell 35% the next day. Results for last quarter were significantly below Wall Street’s expectations. Worse yet, the company’s guidance points to a significant year-over-year drop in the company’s earnings in Q4. We previously added shares of Synposys to 24/7 Wall St.’s $500,000 AI Portfolio. The company operates in a duopoly alongside competitor Cadence Design Systems (Nasdaq: CDNS), and we forecast that spending trends in artificial intelligence would increase the value of both companies’ chip design software over time. Digging into the details, the main culprit behind Synposys’ surprisingly bad earnings appears to be its relationship with Intel (Nasdaq: INTC). Intel has engineering contracts with Synopsys to effectively pay the company to port their IP catalogue to Intel’s foundries. The revenue from these contracts flows to Synposys’ ‘Design IP’ segment. Last quarter, Design IP unexpectedly shrank by 8%. The company’s guidance implies that Design IP will continue shrinking by even higher rates in Q4. While Synopsys won’t name the particular customer that caused this fall-off in their Design IP revenue, it’s almost surely Intel canceling contracts. The good news for Synposys investors is that the company’s most important business line – their design automation software – grew by 23% last quarter. That is to say, while Synopsys will face several quarters of poorer-than-expected results from Intel’s presumed cancellation of Design IP contracts, thelong-term trajectory for the company looks to be intact. As Wall Street has had more time to digest Synopsys’ Q3 earnings, shares have bounced back. Shares are now up 20% from where the closed the day after earnings. In our $500,000 AI Portfolio, we’ll continue to hold our shares of Synposys. We won’t add any more shares in the near term, but believe Synposys is still a compelling opportunity for investors with a long-term investing horizon. Full Transcript of Our Discussion Here’s a lightly edited transcript of the above segment:Austin Smith:I want to talk about Synopsys, an electronic design automation company. This company provides software for designing semiconductors and chips, similar to AutoCAD in its industry. As demand for specialized and custom chips from companies like Nvidia, Amazon, and Google increases, Synopsys seems well-positioned. However, there has been a massive disappointment in their recent earnings report.Eric Bleeker:Synopsys’ earnings were disappointing amidst a generally positive market atmosphere in recent weeks.Their earnings missed expectations for the prior quarter, and they lowered their forecast for the next quarter. Initially, the stock reacted by dropping 15 to 20%, which is typical for such news, but it plummeted more than 35% the next day, from $620 to $365 or so at the bottom.This was one of the largest earnings reactions I’ve seen. Since then, the stock has bounced back, gaining 13% on September 11th. It later saw further gains due to news of Nvidia’s investment in Intel.We have been steering away from companies with significant exposure to China, especially those involved in chip manufacturing. Recently, news emerged that China has told its companies they cannot buy Nvidia chips. This situation has negatively impacted Synopsys, as their software was briefly limited in China. This has led customers to be cautious about returning to their software for fear of future restrictions.Yet, the biggest issue for Synopsys is Intel. The new CEO of Intel, who previously led Cadence, has cut payments to Synopsys, which were previously significant. This shift could also lead to Intel sourcing more of its EDA software from Cadence, which would be another blow to Synposys. The reaction to the earnings report was outsized. Synopsys’ stock dropped from $620 to $365, but as we record this, it is closer to $480, which seems more reasonable. This situation is a one-time setback due to excessive reliance on Intel and deals that lacked economic viability. The good news is that the long-term duopoly between Synopsys and Cadence remains strong, and the overall growth of semiconductors is still on track. This is a setback, but I believe Synopsys will be a winner over the next five years.Austin Smith:Who needs Game of Thrones when there is corporate drama like this? With Intel’s new strategies and Nvidia’s investment, there is plenty of excitement in the industry.