The answer is far from simple. A lot of people set the goal of saving $1 million for retirement because it's a nice round number. But before you get your mind set on aiming for a $1 million nest egg, you may want to think about whether that'll really be enough money for you -- or whether it's more than what you need to save. What annual income will a $1 million nest egg provide you with? If you're...
The answer is far from simple. A lot of people set the goal of saving $1 million for retirement because it's a nice round number. But before you get your mind set on aiming for a $1 million nest egg, you may want to think about whether that'll really be enough money for you -- or whether it's more than what you need to save. What annual income will a $1 million nest egg provide you with? If you're retiring with $1 million in retirement savings, you're obviously not going to be spending all of that money at once -- or at least you shouldn't be. Rather, you'll want to come up with a withdrawal rate that allows your savings to last throughout retirement. If you use the popular 4% rule, a $1 million nest egg gives you about $40,000 in annual income to start with. You're then supposed to adjust future withdrawals for inflation. However, a 4% withdrawal rate may be too aggressive for your savings if your IRA or 401(k) is invested conservatively. In that case, a 3% withdrawal rate may be more appropriate, which would give you $30,000 a year as a baseline. On the flipside, if your portfolio is loaded with stocks and you decide you're comfortable with a 5% withdrawal rate, that's $50,000 of annual income. Look at the big picture You're obviously free to use whatever withdrawal rate you choose for your retirement nest egg. But a 3% to 5% range generally conforms to what many financial experts would suggest. This means that if you have $1 million saved, you can expect $30,000 to $50,000 a year. That may not be your only source of income, though. For many retirees, Social Security provides a monthly benefit. And with the average retiree today collecting $2,071 from Social Security, that alone could amount to roughly $25,000 per year. You may also have other income at your disposal, like earnings from a part-time job. It's important to factor in all of your income streams when setting a retirement savings goals. Should you aim for $1 million in retirement savings? Not necessaril...
Jean-Philippe Mateta will be reintegrated into Crystal Palace’s squad after the France striker’s deadline-day move to Milan collapsed, but he faces competition for his place from the new club-record signing Jørgen Strand Larsen. The Norway striker’s move from Wolves was confirmed just before the 7pm deadline on Monday for an initial £43m plus £5m in bonuses, with Palace having already broken their...
Jean-Philippe Mateta will be reintegrated into Crystal Palace’s squad after the France striker’s deadline-day move to Milan collapsed, but he faces competition for his place from the new club-record signing Jørgen Strand Larsen. The Norway striker’s move from Wolves was confirmed just before the 7pm deadline on Monday for an initial £43m plus £5m in bonuses, with Palace having already broken their transfer record this month in signing Brennan Johnson from Tottenham for £35m. However, having been at the centre of a dramatic deadline day in the summer when the Palace chair, Steve Parish, pulled the plug on Marc Guéhi’s proposed move to Liverpool, it was another chaotic 24 hours in south London as Mateta attempted to seal his move to Milan. That fell through after a second medical examination by the Italian club revealed concerns over a knee injury that has been managed carefully by Palace this season and they do not believe it requires surgery. Mateta, who was left out of Palace’s game against Nottingham Forest on Sunday after the manager, Oliver Glasner, said he was “not at his best” due to uncertainty about his future, will now be expected to compete with Strand Larsen for a starting spot. But he faces a challenge to win back supporters who booed him off after his last appearance against Chelsea two weeks ago. Palace failed in a late bid to complete a surprise move for Everton’s Dwight McNeil after submitting a deal sheet just before the deadline, on a loan with an obligation to buy for £20m. Their hopes of bringing in a replacement for Guéhi, who joined Manchester City in January, were also scuppered. View image in fullscreen Jean-Philippe Mateta’s move to Milan fell through after a second medical examination revealed concerns over a knee injury. Photograph: Adam Davy/PA Chelsea rejected a loan offer for Josh Acheampong, while Palace did not follow up interest in West Ham’s Max Kilman and Ruben Kluivert of Lyon. But the arrival of Strand Larsen, who has scored only...
Representative Anna Paulina Luna, a Republican from Florida, during the Republican National Convention (RNC) at the Fiserv Forum in Milwaukee, Wisconsin, US, on Tuesday, July 16, 2024. Al Drago | Bloomberg | Getty Images House Speaker Mike Johnson is running into problems with his own caucus as he tries to advance a Senate-approved measure to reopen most of the government, which shut down on Satur...
Representative Anna Paulina Luna, a Republican from Florida, during the Republican National Convention (RNC) at the Fiserv Forum in Milwaukee, Wisconsin, US, on Tuesday, July 16, 2024. Al Drago | Bloomberg | Getty Images House Speaker Mike Johnson is running into problems with his own caucus as he tries to advance a Senate-approved measure to reopen most of the government, which shut down on Saturday morning. The House Rules Committee will meet Monday evening to take up the measure that would fund a wide swath of the government, the first step in getting the bill to the House floor. The bill cleared the Senate on Friday after Democrats there had funding for the Department of Homeland Security stripped and replaced with two weeks of stopgap funding for the agency — a change that requires the House to reapprove the measure. Because Democrats are not helping Johnson and the GOP fast-track the measure, the speaker will likely have to work within his own razor-thin majority to advance the bill when it reaches the floor for a critical preliminary vote as early as Monday night. At least two Republicans so far have said they will not support the bill unless it includes a controversial voter-ID measure known as the SAVE Act , a new hurdle for Johnson as he aims to end the shutdown. And the Republican majority is about to shrink after Democrat Christian Menefee is sworn in to represent a Houston district after being elected Saturday in a special election. Read more CNBC politics coverage More Jeffrey Epstein files being released by DOJ, Blanche says Luigi Mangione won't face death penalty in CEO murder case, federal judge rules Senate to vote on funding deal soon as shutdown looms, GOP Sens. predict Feds arrested Don Lemon, former CNN anchor, over Minnesota activities: Lawyer Sen. Tillis will oppose Trump Fed chair pick Warsh until Powell probe resolved Man poses as FBI agent to try to free Luigi Mangione from jail, source says Trump backs Senate government funding deal that ...
Key Points There's a future in which AI agents use XRP for various purposes. There isn't any evidence of that happening right now. If the network adapts itself to be more AI-friendly, that might change fast. 10 stocks we like better than XRP › In the long run, buying XRP (CRYPTO: XRP) is a bet that the XRP Ledger (XRPL) will become a piece of financial plumbing that financial institutions actually...
Key Points There's a future in which AI agents use XRP for various purposes. There isn't any evidence of that happening right now. If the network adapts itself to be more AI-friendly, that might change fast. 10 stocks we like better than XRP › In the long run, buying XRP (CRYPTO: XRP) is a bet that the XRP Ledger (XRPL) will become a piece of financial plumbing that financial institutions actually route value through. But many different factors influence whether that actually happens, and artificial intelligence (AI) is one of them. So is the coin exposed to any upside stemming from the rise and proliferation of AI, or is its infrastructure too insulated from one of the decade's most powerful trends? Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now, when you join Stock Advisor. See the stocks » Where AI might help XRP XRPL is built for fast and low-cost transaction settlements that can meet the regulatory compliance burden of banks and other financial businesses. All of those features become relevant if AI agents start handling real money in the near future and use blockchains to do so. In this context, an AI agent is software that can plan and take actions toward a goal, including making payments or swapping assets. Financial regulators are already talking about agentic AI as a coming factor in mainstream finance and market structure, so this isn't science fiction any longer. If that future of AI agents transacting on various blockchains arrives soon, XRP already has rails for it. The ledger has a feature that allows parties to stream or batch XRP payments off the main ledger and then settle them later, which might come in handy for agents. Similarly, the network's built-in decentralized exchange (DEX) can also bridge assets, though it's currently barely in use. Don't treat XRP as an AI thesis yet While it's technically possible for XRP to benefit from AI transacting on its chain, it doesn't ...
Justin Sullivan/Getty Images News Chevron ( CVX ) -1.1% in Monday's trading as HSBC downgraded shares to Hold from Buy with a $180 price target, saying it likes the company's mix of cash flow growth, financial discipline and attractive shareholder distributions , but believes these favorable attributes are already priced into the stock. HSBC analysts including Kim Fustier said they continue to lik...
Justin Sullivan/Getty Images News Chevron ( CVX ) -1.1% in Monday's trading as HSBC downgraded shares to Hold from Buy with a $180 price target, saying it likes the company's mix of cash flow growth, financial discipline and attractive shareholder distributions , but believes these favorable attributes are already priced into the stock. HSBC analysts including Kim Fustier said they continue to like Chevron's ( CVX ) "mix of cash flow growth supported by visible projects and financial discipline translating into lower capex," but the stock has stretched valuations after rising 16% YTD in absolute terms and outperforming the integrated oils by 5%, driven by hopes around Venezuela and more recently the oil price rally. The bank said Chevron's ( CVX ) Q4 adjusted earnings beat was "solid," driven by above-consensus upstream earnings of $3.2B, and total production of 4.05M bbl/day came in slightly above consensus on strong operational performance at TCO, Permian and the Gulf of Mexico, while $3B of stock buybacks came in at the high end of guidance. Chevron's ( CVX ) discount compared to Exxon Mobil on estimated FY 2026 EV/DACF of 2% is fair, HSBC said. More on Chevron Chevron Beats Earnings As Oil Prices Rise: Back Up The Truck Chevron Q4: Taking Profits While Awaiting A Correction And A Less Uncertain Environment Chevron: Appealing But Upside May Be Limited Near Term
Lean hog futures are trading $2 to $2.25 higher in the front months as Feb was up 80 cents. USDA’s national base hog price was not reported on Monday morning due to light volume. The CME Lean Hog Index was up another 6 cents on Jan 29 at $85.78. CFTC data indicated managed money increasing their net long in lean hog futures and options by 16,388 contracts, taking it to 113,806 contracts as of Tues...
Lean hog futures are trading $2 to $2.25 higher in the front months as Feb was up 80 cents. USDA’s national base hog price was not reported on Monday morning due to light volume. The CME Lean Hog Index was up another 6 cents on Jan 29 at $85.78. CFTC data indicated managed money increasing their net long in lean hog futures and options by 16,388 contracts, taking it to 113,806 contracts as of Tuesday. Don’t Miss a Day: USDA’s pork carcass cutout value from Monday morning’s report was $2.43 higher to $96.65 per cwt. The loin and rib were the only primals reported lower. USDA estimated federally inspected hog slaughter last week at 2.522 million head. That was 54,000 head above last week but 37,861 head below the same week last year. Feb 26 Hogs are at $88.050, up $0.800, Apr 26 Hogs are at $97.200, up $2.050 May 26 Hogs are at $101.175, up $2.250, On the date of publication, Austin Schroeder did not have (either directly or indirectly) positions in any of the securities mentioned in this article. All information and data in this article is solely for informational purposes. For more information please view the Barchart Disclosure Policy here. The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
Corn futures are trading with 2 to 3 1/4 cent losses so far at midday. The CmdtyView national average Cash Corn price is down 2 3/4 cents at $3.91 1/2. Crude oil is down $3.48/barrel, with the US dollar index up $0.586. Monday morning’s Export Inspections report showed 1.136 MMT (44.74 mbu) of corn shipped in the week of 1/29. That was 9.88% below the week prior and 26.55% shy of the same week las...
Corn futures are trading with 2 to 3 1/4 cent losses so far at midday. The CmdtyView national average Cash Corn price is down 2 3/4 cents at $3.91 1/2. Crude oil is down $3.48/barrel, with the US dollar index up $0.586. Monday morning’s Export Inspections report showed 1.136 MMT (44.74 mbu) of corn shipped in the week of 1/29. That was 9.88% below the week prior and 26.55% shy of the same week last year. Japan was the largest destination of 444,439 MT, with 260,227 MT shipped to Mexico and 147,478 MT to Colombia. The marketing year total is now 32.611 MMT (1.284 bbu) of corn shipped since September, which is still 49.86% above the same period last year. Don’t Miss a Day: Just prior to midday, President Trump issued a Truth Social post that a call with India’s President Modi went well with the US lowering tariffs on the country from 25% to 18% and India agreeing to buy over $500 billion of US energy, technology, agricultural, coal and other products. India has historically been a top 3 to 4 buyer of US ethanol. Commitment of Traders data from CFTC showed managed money speculators in corn futures and options trimming 9,274 contracts from their net short in the week ending on January 27. That mainly came via new longs, as the net short was at 72,050 contracts. Commercials saw some long reduction, with the net short rising 17,381 contracts to 187,342 contracts. AgRural estimates the Brazilian first corn crop at 10% harvested, lagging the 14% pace from last year. The second crop is at 13% planted, which is 4 points ahead of the same pace last year. StoneX estimates the first corn crop in Brazil at 26.59 MMT, up 610,000 MT from their previous number. Their second crop projection is 106.37 MMT, a 560,000 MT increase from the prior estimate. Mar 26 Corn is at $4.25, down 3 1/4 cents, Nearby Cash is at $3.91 1/2, down 2 3/4 cents, May 26 Corn is at $4.32 1/2, down 3 1/4 cents, Jul 26 Corn is at $4.39, down 3 cents, More news from Barchart The views and opinions expressed her...
The wheat complex is continuing a weaker trade on Monday, with the US dollar index up $0.586. Chicago SRW futures are down 10 to 11 ½ cents. KC HRW futures are trading with 9 to 10 ¼ cents losses. MPLS spring wheat is 9 to 10 cents lower. Export Inspections data showed wheat shipments at 326,828 MT (12 mbu) shipped in the week that ended on January 29. That was down 13.76% from the week prior, but...
The wheat complex is continuing a weaker trade on Monday, with the US dollar index up $0.586. Chicago SRW futures are down 10 to 11 ½ cents. KC HRW futures are trading with 9 to 10 ¼ cents losses. MPLS spring wheat is 9 to 10 cents lower. Export Inspections data showed wheat shipments at 326,828 MT (12 mbu) shipped in the week that ended on January 29. That was down 13.76% from the week prior, but 29.11% above the same week last year. Mexico was the top destination of 60,886 MT, with 55,702 MT to Taiwan and 55,630 MT to Malaysia. Marketing year shipments have totaled 16.69 MMT (613.1 mbu), which is up 18.61% yr/yr. Don’t Miss a Day: Commitment of Traders data from Friday indicated managed money covering some shorts in Chicago wheat futures and options as of 1/27, cutting 15,957 contracts from their net short to 94,743 contracts. In KC wheat, spec traders trimmed 2,689 contracts from their net short position to 10,329 contracts. Taiwan purchased a total of 106,350 MT of wheat in a tender from the US late last week. Mar 26 CBOT Wheat is at $5.26 1/2, down 11 1/2 cents, May 26 CBOT Wheat is at $5.35 1/2, down 10 1/2 cents, Mar 26 KCBT Wheat is at $5.34 1/2, down 10 1/4 cents, May 26 KCBT Wheat is at $5.45 1/2, down 9 1/2 cents, Mar 26 MIAX Wheat is at $5.68 1/2, down 9 3/4 cents, May 26 MIAX Wheat is at $5.82 1/4, down 9 1/4 cents, More news from Barchart The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
The key to successful AI agents within an enterprise? Shared memory and context. This, according to Asana CPO Arnab Bose, provides detailed history and direct access from the get-go — with guardrail checkpoints and human oversight, of course. This way, “when you assign a task, you're not having to go ahead and re-provide all of the context about how your business works,” Bose said at a recent VB e...
The key to successful AI agents within an enterprise? Shared memory and context. This, according to Asana CPO Arnab Bose, provides detailed history and direct access from the get-go — with guardrail checkpoints and human oversight, of course. This way, “when you assign a task, you're not having to go ahead and re-provide all of the context about how your business works,” Bose said at a recent VB event in San Francisco. AI as an active teammate, rather than a passive add-on Asana launched Asana AI Teammates last year with the philosophy that, just like humans, AI agents should be plugged directly into a team or project to create a collaborative system. To further this mission, the project management company has fully integrated with Anthropic’s Claude . Users can choose from 12 pre-built agents — for common use cases like IT ticket deflection — or build their own, then assign them to project teams and immediately provide a historical record of what tasks have already been completed and what is still yet to be resolved. Agents also have access to third-party resources like Microsoft 365 or Google Drive. “When that agent gets created, it's not acting on behalf of someone, it manifests itself as a teammate and it gets all of the same sharing permissions, it inherits that,” Bose explained. Everything anyone does — humans and AI included — is documented to allow for “ease of explainability” and a “very transparent and trustworthy system.” But just like human workers, AI agents are kept in check: Critically, workflows incorporate checkpoints, where humans can give feedback and ask the agent to tweak certain elements of a project or adjust research plans. This is documented in what Bose called a “very human-readable way.” Also importantly, the UI provides instructions and knowledge about agent behavior, and approved admins can pause, edit and redirect models in the API when they take actions based on conflicting directions or start acting “in a weird way.” “The person with ...
車CAM片｜大老山隧道電單車撼客貨車 鐵騎士被拋入前車 To view this video please enable JavaScript, and consider upgrading to a web browser that supports HTML5 video 【有線新聞】大老山隧道管道有電單車失事，司機拋入前面客貨車內受傷。 從行車記錄儀看到管道內慢車，電單車懷疑收掣不及撞向前面...
車CAM片｜大老山隧道電單車撼客貨車 鐵騎士被拋入前車 To view this video please enable JavaScript, and consider upgrading to a web browser that supports HTML5 video 【有線新聞】大老山隧道管道有電單車失事，司機拋入前面客貨車內受傷。 從行車記錄儀看到管道內慢車，電單車懷疑收掣不及撞向前面的客貨車，司機拋入客貨車內。早上八時許，電單車沿大老山隧道往沙田，在管道內失事，28歲司機受傷送院，警方拖走電單車到驗車中心扣查。
國共兩黨智庫論壇 宋濤：充滿希望的良好開端 To view this video please enable JavaScript, and consider upgrading to a web browser that supports HTML5 video 【有線新聞】國共兩黨智庫論壇在北京舉辦，主題為「兩岸交流合作前瞻」，國台辦主任宋濤致辭時表示是充滿希望的良好開端。 宋濤指論壇圍繞兩岸...
國共兩黨智庫論壇 宋濤：充滿希望的良好開端 To view this video please enable JavaScript, and consider upgrading to a web browser that supports HTML5 video 【有線新聞】國共兩黨智庫論壇在北京舉辦，主題為「兩岸交流合作前瞻」，國台辦主任宋濤致辭時表示是充滿希望的良好開端。 宋濤指論壇圍繞兩岸旅遊、產業、環境與永續發展交流合作展開討論，具有重要意義，是充滿希望的良好開端。他強調堅持「九二共識」，反對台獨，表示將推出更多便利兩岸人員往來的措施，推動旅遊交流合作。國民黨副主席蕭旭致辭時表示，希望兩岸能有更多對話與交流合作，期許未來以確保人民福祉為最大目標，堅持「九二共識」、反對台獨、求同存異、擱置爭議。
狗隻友善食肆｜料年中批出首輪申請 最多1,000個名額 不接受火鍋、烤肉店申請 To view this video please enable JavaScript, and consider upgrading to a web browser that supports HTML5 video 【有線新聞】政府計劃放寬狗隻進入食肆規例，條件包括要有狗帶牽引，火鍋及烤肉店不在放寬之列。 食肆若...
狗隻友善食肆｜料年中批出首輪申請 最多1,000個名額 不接受火鍋、烤肉店申請 To view this video please enable JavaScript, and consider upgrading to a web browser that supports HTML5 video 【有線新聞】政府計劃放寬狗隻進入食肆規例，條件包括要有狗帶牽引，火鍋及烤肉店不在放寬之列。 食肆若要申請放寬必須符合多項條件，包括進入食肆的狗不可以坐在餐桌及共用餐具；要有不超過1.5米狗帶，由成人牽引或綁定；大小便必須即時清潔和消毒；若用餐範圍有烹煮或加熱食物，例如自助餐餐廳，食物與座位區最少要保持3米距離。至於火鍋及烤肉店不在放寬範圍。 政府今年首季提交修例建議，首階段名額500至1,000間，預料年中批出第一批食肆，獲批食肆要在當眼處標示容許寵物進入。當局會設立網上專頁刊載寵物友善餐廳名單，若多次違規會被剔出名單。
halbergman/E+ via Getty Images As explained in Prof. Robert Jarrow’s book cited below, forward rates contain a risk premium above and beyond the market’s expectations for the 3-month forward rate. We document the size of that risk premium in this graph, which shows the zero-coupon yield curve implied by current Treasury prices compared with the annualized compounded yield on 3-month Treasury bills...
halbergman/E+ via Getty Images As explained in Prof. Robert Jarrow’s book cited below, forward rates contain a risk premium above and beyond the market’s expectations for the 3-month forward rate. We document the size of that risk premium in this graph, which shows the zero-coupon yield curve implied by current Treasury prices compared with the annualized compounded yield on 3-month Treasury bills that market participants would expect based on the daily movement of government bond yields in 14 countries since 1962. The risk premium, the reward for a long-term investment, is large and widens over most of the full 30-year maturity range. The graph also shows a decline in expected yields at a steady pace for the full 30 years. We explain the details below. SAS Institute Inc. For more on this topic, see the analysis of government bond yields in 14 countries through November 30, 2025 given in the appendix. Inverted Yields, Negative Rates, and U.S. Treasury Probabilities 10 Years Forward The negative 2-year/10-year Treasury spread ended on August 26, 2024 after 537 trading days. The spread is currently at positive 0.74%. The table below shows that the August 26, 2024 streak of inverted yield curves is the longest in the U.S. Treasury market since the 2-year Treasury yield was first reported on June 1, 1976. The second longest streak is 423 trading days starting on August 18, 1978. SAS Institute Inc. In this week’s forecast, the focus is on three elements of interest rate behavior: the future probability of the recession-predicting inverted yield curve, the probability of negative rates, and the probability distribution of U.S. Treasury yields over the next decade. We start from the closing U.S. Treasury yield curve published daily by the U.S. Department of the Treasury. Using a maximum smoothness forward rate approach, Friday’s implied forward rate curve shows the shortest maturity 1-month forward rates at 3.72%, versus 3.78% last week. There is a decline followed by a gr...
Infrastructure delivering updates for Notepad++—a widely used text editor for Windows—was compromised for six months by suspected China-state hackers who used their control to deliver backdoored versions of the app to select targets, developers said Monday. “I deeply apologize to all users affected by this hijacking,” the author of a post published to the official notepad-plus-plus.org site wrote ...
Infrastructure delivering updates for Notepad++—a widely used text editor for Windows—was compromised for six months by suspected China-state hackers who used their control to deliver backdoored versions of the app to select targets, developers said Monday. “I deeply apologize to all users affected by this hijacking,” the author of a post published to the official notepad-plus-plus.org site wrote Monday. The post said that the attack began last June with an “infrastructure-level compromise that allowed malicious actors to intercept and redirect update traffic destined for notepad-plus-plus.org.” The attackers, whom multiple investigators tied to the Chinese government, then selectively redirected certain targeted users to malicious update servers where they received backdoored updates. Notepad++ didn’t regain control of its infrastructure until December. Hands-on keyboard hacking Notepad++ said that officials with the unnamed provider hosting the update infrastructure consulted with incident responders and found that it remained compromised until September 2. Even then, the attackers maintained credentials to the internal services until December 2, a capability that allowed them to continue redirecting selected update traffic to malicious servers. The threat actor “specifically targeted Notepad++ domain with the goal of exploiting insufficient update verification controls that existed in older versions of Notepad++.” Event logs indicate that the hackers tried to re-exploit one of the weaknesses after it was fixed but that the attempt failed. Read full article Comments
It's more important than ever to ensure you're investing in the right places. A whopping 80% of Americans are worried to some degree about a potential recession, according to a 2025 survey from financial association MDRT. While nobody can predict the future, downturns are a natural part of the market cycle. It's uncertain when the next slump will begin, but it's inevitable that we'll face one at s...
It's more important than ever to ensure you're investing in the right places. A whopping 80% of Americans are worried to some degree about a potential recession, according to a 2025 survey from financial association MDRT. While nobody can predict the future, downturns are a natural part of the market cycle. It's uncertain when the next slump will begin, but it's inevitable that we'll face one at some point. And when that happens, there are two powerhouse Vanguard ETFs I'll personally be stocking up on. 1. Vanguard Total Stock Market ETF Proper diversification is key during a bear market or recession, as many stocks will struggle to survive economic volatility. By owning a wider variety of stocks from multiple industries, you'll be more protected if a few of your holdings struggle. The Vanguard Total Stock Market ETF (VTI +0.56%) aims to cover the entire stock market, offering unbeatable diversification. This ETF contains a staggering 3,512 stocks from companies of all sizes across all industries. While it is fairly heavily tilted toward tech stocks, reflecting the composition of the overall market, it also contains a wide variety of established stocks from recession-proof industries that can help limit volatility. The stock market itself has a flawless track record of surviving even the most severe downturns, and because the Vanguard Total Stock Market ETF aims to mirror the market itself, it's highly likely it will pull through any recession or bear market that could be looming. Not only is this ETF one of the safer options available, but it's also a powerful wealth-building machine. Since its inception in 2001, it has delivered total returns of nearly 500%, despite record-breaking downturns such as the dot-com bubble and the Great Recession. In other words, if you'd invested $10,000 in 2001 and made no additional contributions, you'd have nearly $60,000 in spite of all of the volatility the market has faced in the last 25 years. 2. Vanguard Information Technology ...
JHVEPhoto The US FDA has begun accepting applications for its pilot PreCheck program, which is designed to ease the process for pharma companies to build new manufacturing facilities in the US. The program is intended to enhance communications between pharmas and the agency to make construction of new pharmaceutical factories go more smoothly. PreCheck has two phases. In phase 1, known as the Faci...
JHVEPhoto The US FDA has begun accepting applications for its pilot PreCheck program, which is designed to ease the process for pharma companies to build new manufacturing facilities in the US. The program is intended to enhance communications between pharmas and the agency to make construction of new pharmaceutical factories go more smoothly. PreCheck has two phases. In phase 1, known as the Facility Readiness phase, manufacturers will be in regular contact with the agency for early technical advice before opening through pre-operational reviews and utilization of a facility-specific Drug Master File. In phase 2, known as the Application Submission phase, the FDA and drugmakers will engage in pre-submission meetings and inspections to resolve issues and speed up evaluations of manufacturing information in an application. The FDA said that at the outset, priority will be given to facilities that are making drugs for the US market, are innovative, and are manufacturing critical medicines. Since President Trump took office in January 2025, many large drugmakers, including Eli Lilly ( LLY ), Johnson & Johnson ( JNJ ), Merck ( MRK ), Bristol Myers Squibb ( BMY ), AstraZeneca ( AZN ), and Novartis ( NVS ), have agreed to make significant investments in US manufacturing facilities. More on pharmaceutical companies Johnson & Johnson: Fraud Claim Dismissal Today Is Not A Sign Talc Litigation Is Over Eli Lilly: Obesity Pricing For Access Tradeoff A Net Positive Johnson & Johnson: Strong Momentum Heading Into 2026 Merck Q4 2025 Earnings Preview Earnings week ahead: AMZN, GOOG, PLTR, AMD, PFE, DIS, PYPL, ABBV, QCOM, SMCI, MRK, PEP, UBER, PM, and more
Key Points Salesforce is down 33% largely due to missed revenue growth expectations. Despite that, Salesforce is still growing and it remains very profitable. The company is now trading at a valuation in line with its competitors and could be primed for a reversal in 2026. 10 stocks we like better than Salesforce › Despite the banner year 2025 was for artificial intelligence (AI) stocks, not every...
Key Points Salesforce is down 33% largely due to missed revenue growth expectations. Despite that, Salesforce is still growing and it remains very profitable. The company is now trading at a valuation in line with its competitors and could be primed for a reversal in 2026. 10 stocks we like better than Salesforce › Despite the banner year 2025 was for artificial intelligence (AI) stocks, not every company in the industry had a great year. Some AI companies tumbled dramatically despite the sheer amount of media attention and investing fervor in the technology. Some of them fell due to being over-hyped or having poor fundamentals, but there's a few for which I can't explain their poor performance. Salesforce (NYSE: CRM) is one of them. Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now, when you join Stock Advisor. See the stocks » The past 12 months have seen the company fall 33.7%, while the S&P 500 rose 16%. But given the company's strong fundamentals and the fact that it's up over 5,200% since its initial public offering (IPO) in 2004, I think 2025's dip was a speed bump and nothing more. A sales force multiplier Like Palantir, Salesforce is one of those companies people hear about but are often a little confused about what they actually do. Salesforce is actually rather simply explained as a suite of software that makes business easier. From selling products more efficiently to managing customer relationships, Salesforce has a cloud and AI-enabled piece of software to help out. In practice, it looks like FedEx capturing a 2,000% return on its investment in Salesforce because it helped the delivery company reactivate dormant accounts and send out 1 billion personalized emails annually. Or Formula 1 speeding up customer service responses 80% through the use of AI customer service reps. Both are results cited by Salesforce as proof of its effectiveness and those two businesses aren't alone. Saks...
M. Suhail/iStock Editorial via Getty Images Some companies are better together. When you have different operations that can create operational synergies, that's the best scenario to keep assets all under a single roof. However, there are also instances where, because of how the market prices the combined business compared to how the different parts are priced, the logical conclusion is to split op...
M. Suhail/iStock Editorial via Getty Images Some companies are better together. When you have different operations that can create operational synergies, that's the best scenario to keep assets all under a single roof. However, there are also instances where, because of how the market prices the combined business compared to how the different parts are priced, the logical conclusion is to split operations up. It is my opinion that U-Haul Holding Company ( UHAL ) fits into the second category. At first glance, shares of the company are relatively attractive from a valuation standpoint. But one could argue that they are not a home run. But when you dig deeper, you really find out that this is two separate businesses, and the pricing of the market for each of these is drastically different. So much so, in fact, that in October of last year, I argued that the stock was worth significantly more than what the market demonstrated. In that article, I upgraded U-Haul to a "Strong Buy." I acknowledged at that time that some of its fundamentals were weakening. But that has to do with the economy more broadly as opposed to operational mishaps. Fast-forward to today, and the stock has barely budged, inching up 1.2% while the S&P 500 is up 3.5%. As disappointing as this is, I maintain my previous stance. If anything, this relative underperformance gives investors an opportunity to buy in on the cheap. If there will be a big change made by management, it would likely occur at the time that earnings are released. And the good news is that earnings are just around the corner. On Feb. 4, before the market opens, management will be announcing financial results for the third quarter of the company's 2026 fiscal year. Leading up to that point, revenue is expected to rise, but profits are forecasted to fall. Obviously, these details will matter. But I also think investors should continue to keep an eye out for any hints that operations might be broken up at some point. That would be a ca...
is a senior reporter who’s been covering and reviewing the latest gadgets and tech since 2006, but has loved all things electronic since he was a kid. Posts from this author will be added to your daily email digest and your homepage feed. Following the debut of its $10 Kallsup Bluetooth speakers at CES 2026, Ikea is introducing another wireless speaker with a playful design and an affordable price...
is a senior reporter who’s been covering and reviewing the latest gadgets and tech since 2006, but has loved all things electronic since he was a kid. Posts from this author will be added to your daily email digest and your homepage feed. Following the debut of its $10 Kallsup Bluetooth speakers at CES 2026, Ikea is introducing another wireless speaker with a playful design and an affordable price tag. The Grejsimojs Portable Bluetooth speaker probably isn’t going to wow audiophiles, but it’s designed to look like a little purple mouse with a tail that can be used to carry it around. The Grejsimojs speaker is currently available in countries like the UK and Germany for £12.00 and €14.99, respectively, which is around $16 to $18 in US dollars. It’s not available on the US Ikea site yet, but the speaker is part of a new Grejsimojs collection of kid-friendly devices that includes a dog-shaped dimmable table lamp that is available stateside for $39.99. Other items from the Grejsimojs collection could follow. The speaker charges through a USB-C cable you’ll have to provide yourself. Image: Ikea The Grejsimojs speaker features a 1.6-inch full-range driver that outputs up to 2W of sound. Battery life is rated at up to 24 hours at half volume, and the speaker is charged using a USB-C port on the underside, but you’ll need to provide your own cable and power adapter. Advanced features like Spotify Tap aren’t included, and while you can wirelessly connect and sync multiple units together to fill a larger space with sound, you can’t split the right and left mixes of stereo audio between two speakers when just one pair is connected. The speaker’s mouse-like tail functions as a carrying strap. Image: Ikea To make it kid-friendly, the speaker has a volume limit to protect hearing and is made with a plastic body and silicone feet that can be wiped clean if it gets caught up in messy activities. However, it’s limited to an IP44 rating which means that while it can withstand the occ...
Joe Hendrickson/iStock Editorial via Getty Images SoFi: Could Have Timed The Upgrade Better, Nonetheless This has got to be one of the most poorly timed upgrades ever (admittedly), as the aftermath of the selloff on SoFi Technologies ( SOFI ) also culminated with some worries that have emerged from financial sector stocks, with fintechs also taking a hit, even though the state of the economy appea...
Joe Hendrickson/iStock Editorial via Getty Images SoFi: Could Have Timed The Upgrade Better, Nonetheless This has got to be one of the most poorly timed upgrades ever (admittedly), as the aftermath of the selloff on SoFi Technologies ( SOFI ) also culminated with some worries that have emerged from financial sector stocks, with fintechs also taking a hit, even though the state of the economy appears to have stayed remarkably resilient. Still, I'm not perfect, yeah. As a matter of fact, SOFI has dropped almost to a bear market (down over 17% as I pen this update) since my last write-up. And to make things clear, the stock has actually crossed into bear market territory, falling over 30% from its November 2025 highs. And despite SoFi posting another relatively solid earnings release last week, with upbeat guidance, it hasn't been able to stem the falling tide, which also saw SOFI falling below the $25 defense line that has held firmly since September 2025. In other words, a major reckoning has taken place (and is arguably still ongoing). The next pertinent question: could it get even worse from here? I will attempt to address the "fine print" of that from the price action/market sentiment perspective subsequently, but let's dive into the fundamentals and operating performances first, with a quick recap to start off our discussion. As a reminder, I decided to upgrade the stock after I was convinced that SoFi has confidently expanded its platform moat, deepening its integration, and also moving further infield to become a full-fledged financial services platform beyond the usual lending businesses. Nevertheless, the high-growth premium was a bugbear, even though SOFI has managed to push such valuation concerns to the sidelines, channeling the market's attention to its execution. SoFi: Still Executing Well, But The Market Is Worried SOFI Q4 2025 highlights (SoFi) On that front, I think SoFi hasn't really disappointed, right? Not only has it surpassed Wall Street's estima...
What Happened? Shares of digital casino game platform PlayStudios (NASDAQ:MYPS) fell 8.9% in the afternoon session after the gaming sector tumbled following Google's announcement of Project Genie, an AI tool capable of generating interactive 3D worlds in real-time. The technology was perceived as a threat to traditional game developers, whose modern games often required long development cycles wit...
What Happened? Shares of digital casino game platform PlayStudios (NASDAQ:MYPS) fell 8.9% in the afternoon session after the gaming sector tumbled following Google's announcement of Project Genie, an AI tool capable of generating interactive 3D worlds in real-time. The technology was perceived as a threat to traditional game developers, whose modern games often required long development cycles with large teams and growing budgets. This news caused a sell-off across several gaming-related stocks. The stock market overreacts to news, and big price drops can present good opportunities to buy high-quality stocks. Is now the time to buy PlayStudios? Access our full analysis report here, it’s free. What Is The Market Telling Us PlayStudios’s shares are extremely volatile and have had 43 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful but not something that would fundamentally change its perception of the business. The biggest move we wrote about over the last year was 3 months ago when the stock dropped 11.6% on the news that the company reported disappointing third-quarter results that missed Wall Street's expectations for revenue and earnings. For the third quarter of 2025, revenue fell 19.1% year-on-year to $57.65 million, falling short of analyst estimates. The company's loss per share widened to $0.07 from $0.02 in the same period last year, a result that was also significantly below consensus forecasts. The weak performance was underscored by other key metrics, with Adjusted EBITDA missing expectations by 28%. Adding to the concerns, the number of daily active users declined by 750,000 year-on-year, highlighting challenges with player engagement. PlayStudios is down 10.6% since the beginning of the year, and at $0.59 per share, it is trading 67.6% below its 52-week high of $1.81 from February 2025. Investors who bought $1,000 worth of PlayStudios’s shares 5 years ago would now be looking at ...
What Happened? Shares of server solutions provider Super Micro (NASDAQ:SMCI) jumped 2.5% in the afternoon session after Rosenblatt analyst Kevin Cassidy reaffirmed a 'Buy' rating on the company, maintaining the price target at $55.00. This analyst action signaled a positive outlook for the company. The move also came as the company prepared to report its second-quarter earnings. There was an expec...
What Happened? Shares of server solutions provider Super Micro (NASDAQ:SMCI) jumped 2.5% in the afternoon session after Rosenblatt analyst Kevin Cassidy reaffirmed a 'Buy' rating on the company, maintaining the price target at $55.00. This analyst action signaled a positive outlook for the company. The move also came as the company prepared to report its second-quarter earnings. There was an expectation that Super Micro would benefit from the ramp-up of NVIDIA's Blackwell graphics processing units (GPUs), with easing AI supply-chain bottlenecks potentially supporting sales. After the initial pop the shares cooled down to $29.73, up 2.3% from previous close. Is now the time to buy Super Micro? Access our full analysis report here, it’s free. What Is The Market Telling Us Super Micro’s shares are extremely volatile and have had 64 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful but not something that would fundamentally change its perception of the business. The previous big move we wrote about was 12 days ago when the stock gained 3.6% on the news that President Trump cooled fears of a transatlantic trade war by calling off scheduled tariffs on European allies. The rally followed a productive meeting in Davos with NATO Secretary General Mark Rutte, where a "framework of a future deal" regarding Greenland and the Arctic region was established. By explicitly ruling out the use of military force and suspending the 10% tariffs previously set for February 1st, the administration provided the "sigh of relief" the market desperately needed after Tuesday's sharp sell-off. Technology and semiconductor leaders like Nvidia and AMD spearheaded the recovery as investors quickly pivoted back into growth stocks. The "Sell America" trade from the prior session reversed sharply, with the Nasdaq Composite jumping 1.5% and the S&P 500 erasing its 2026 losses. This rebound was further supported by a stabilizatio...