Labour has announced wholesale changes to policing with a pledge to increase crime fighting, but faces warnings that at the plan’s heart is an unprecedented centralisation of powers. Shabana Mahmood said policing in England and Wales was the last public service to have survived unreformed for 50 years, despite being too costly and failing in parts. After a week of headlines outlining the overhaul,...
Labour has announced wholesale changes to policing with a pledge to increase crime fighting, but faces warnings that at the plan’s heart is an unprecedented centralisation of powers. Shabana Mahmood said policing in England and Wales was the last public service to have survived unreformed for 50 years, despite being too costly and failing in parts. After a week of headlines outlining the overhaul, the details of the white paper revealed that the crown jewel measures were years away from being seen, if at all. Officials hope the bill will become law by 2027 but a new National Police Service (NPS) – labelled the British FBI – will not become the home of counter-terrorism until the end of this parliament in 2029 or later, sources say. Mergers of the 43 local forces will not be completed until 2034, according to the white paper, with one or two mergers possibly happening by 2029 to test the theory that bigger means better. Mergers and the addition of counter-terrorism to the NPS may need backing from the next government. The home secretary will regain the power to sack chief constables and set crime-fighting and service targets. That has triggered warnings about future home secretaries abusing the power, after senior figures in Reform UK – which currently leads opinion polls – discussed curtailing the operational independence of policing. Peter Fahy, a former chief constable of Greater Manchester police, told the Guardian an NPS made sense but carried dangers if overseen by unscrupulous politicians. “I worry if a future government makes the head a political appointment and directs it to focus on illegal immigrants or a particular racial group it suits them to blame, we could end up with a Minnesota situation where local politicians and the local chief are against the deployment and see other priorities,” he said. “The crucial importance here will be the operational independence, the oversight and independence.” Emily Spurrell, the chair of the Association of Police and ...
Mak Studio/iStock via Getty Images Today, we continue our Q4 regional bank coverage with a real specialized name in Bank of Hawaii Corporation ( BOH ). As the name implies, it serves businesses and consumers in the Hawaiian Islands. What we know about this region is that it is largely dependent on tourism. Well, travel has remained robust, as evidenced by recent earnings reports out of the airline...
Mak Studio/iStock via Getty Images Today, we continue our Q4 regional bank coverage with a real specialized name in Bank of Hawaii Corporation ( BOH ). As the name implies, it serves businesses and consumers in the Hawaiian Islands. What we know about this region is that it is largely dependent on tourism. Well, travel has remained robust, as evidenced by recent earnings reports out of the airlines. Hawaii has largely fully bounced back from the terrible wildfires of a few years ago. Although this is a specialized economy being serviced, we like to cover a diverse set of regional banks to help us, as investors, get an understanding of strength (or weakness) in the underlying economy. This bank, which we continue to rate a Hold, has just reported its Q4 earnings this morning. Let us discuss the key metrics we follow for banks for this specialized name. Bank of Hawaii Q4 revenues, provisions for losses, and margins The Hawaiian bank reported revenue of $189.7 million, a $4.8 million beat versus consensus expectations. Now, for a while, provisions for credit losses were increasing. Provisions offset earnings power. In the sequential Q3, provisions were $2.5 million. Here in Q4, they were still $2.5 million, and the good news is that this is down by $1.3 million from last year. Non-interest income dipped sequentially but was up from last year, which is a mixed result. Non-interest income was $44.3 million, down 3.7% from Q3 and up 2.8% from the comparable 2024 fourth quarter. How about margins? Thus far, our coverage of Q4 regional bank earnings has shown a lot of strength in margins. The average yield on loans and leases was 4.81%, which was down 5 basis points from the sequential quarter and up 8 basis points from the same period last year. The average cost of interest-bearing deposits was 1.94%, down 20 basis points from Q3 and down 43 basis points from a year ago. So margins did expand to 2.61%, up 15 basis points from the sequential quarter, so this is positive. It...
DoubleLine Capital LP is reining in its corporate-debt buying, fearing that an already frothy market is growing more perilous as richly valued companies prepare for record borrowing to fund the artificial intelligence boom and acquisitions. “This year is going to be the risk-building year,” said Robert Cohen , director of global developed credit at DoubleLine. “You have more risk, less spread. It’...
DoubleLine Capital LP is reining in its corporate-debt buying, fearing that an already frothy market is growing more perilous as richly valued companies prepare for record borrowing to fund the artificial intelligence boom and acquisitions. “This year is going to be the risk-building year,” said Robert Cohen , director of global developed credit at DoubleLine. “You have more risk, less spread. It’s the worst scenario.” The risk premiums investors demand for holding high-grade corporate debt over low-risk government bonds are hovering near their lowest in about three decades , while warnings of complacency in credit markets are growing louder across Wall Street. But the “real froth” is set to hit this year as all kinds of companies releverage and lending standards weaken, leading to a deterioration of credit metrics, Cohen said in an interview. “We’re in a credit expansion phase,” he said. “This is where credit risks build.” His warning comes at a time when much of the euphoria in the stock market is being driven by a few AI-linked companies, like Oracle Corp . Lofty valuations are particularly concerning for Cohen as he views a potential revaluation in the equity market as the most significant near-term risk for credit. It wouldn’t take much of a change in the narrative to spur a market correction, which in turn could cause credit spreads to widen, he added. The $96 billion asset manager is focused on credit selection instead of trading short-term volatility and is cutting back on its company bond holdings overall, from high-yield to investment grade. DoubleLine has also been moving up in quality across the board, pulling back from lower tiers of junk-rated debts and putting a higher-than-usual weighting into Treasuries and agency mortgages. Amid the ongoing tariff tensions, Cohen is avoiding borrowers with substantial tariff risk and he’s particularly concerned about the retail space given the uncertainties about the resilience of middle- and lower-income Americans...
Image source: The Motley Fool. Monday, January 26, 2026 at 1 p.m. ET Call participants Chairman, President, and Chief Executive Officer — Peter S. Ho Vice Chairman and Chief Commercial Officer — Bradley Shairson Vice Chairman, Chief Financial Officer and Treasurer — Bradley S. Satenberg Vice Chairman of Consumer Banking — James Polk Director of Investor Relations — Chang Park Need a quote from a M...
Image source: The Motley Fool. Monday, January 26, 2026 at 1 p.m. ET Call participants Chairman, President, and Chief Executive Officer — Peter S. Ho Vice Chairman and Chief Commercial Officer — Bradley Shairson Vice Chairman, Chief Financial Officer and Treasurer — Bradley S. Satenberg Vice Chairman of Consumer Banking — James Polk Director of Investor Relations — Chang Park Need a quote from a Motley Fool analyst? Email [email protected] Takeaways Diluted EPS -- $1.39, up 63% year over year and 16% sequentially. -- $1.39, up 63% year over year and 16% sequentially. Net interest margin (NIM) -- 2.61%, up 15 basis points, marking the seventh straight quarter of expansion. -- 2.61%, up 15 basis points, marking the seventh straight quarter of expansion. Return on common equity -- 15%, reflecting improvement in capital efficiency. -- 15%, reflecting improvement in capital efficiency. Non-interest-bearing demand deposits -- Increased 6.6% from last quarter, attributed to balanced contributions across business segments. -- Increased 6.6% from last quarter, attributed to balanced contributions across business segments. Loan portfolio composition -- $8 billion (57%) in consumer loans and $6.1 billion (43%) in commercial loans with consumer portfolio weighted average FICO of 799 for mortgages and 730 for auto loans. -- $8 billion (57%) in consumer loans and $6.1 billion (43%) in commercial loans with consumer portfolio weighted average FICO of 799 for mortgages and 730 for auto loans. Commercial real estate (CRE) concentration -- $4.2 billion, or 30% of total loans, with diversification across property types; no single type exceeding 8.5% of loans and 73% of commercial loans secured by real estate. -- $4.2 billion, or 30% of total loans, with diversification across property types; no single type exceeding 8.5% of loans and 73% of commercial loans secured by real estate. Net charge-offs -- $4.1 million or 12 basis points annualized, up 5 basis points from the linked quarter....
Industrial AI startup CVector built a brain and nervous system for big industry. Now, founders Richard Zhang and Tyler Ruggles are tasked with a bigger challenge: showing customers and investors how this AI-powered software layer translates to real savings on an industrial scale. The New York-based startup has had some success following its pre-seed funding round last July. Its system is now runni...
Industrial AI startup CVector built a brain and nervous system for big industry. Now, founders Richard Zhang and Tyler Ruggles are tasked with a bigger challenge: showing customers and investors how this AI-powered software layer translates to real savings on an industrial scale. The New York-based startup has had some success following its pre-seed funding round last July. Its system is now running with real customers, including public utilities, advanced manufacturing facilities, and chemical producers. It’s given the duo more concrete examples of what problems they can solve — and money they can save — for their big industry clients “One of the core things we’re witnessing,” he said, is customers “really lack the tool to translate a small action, like turning on and off a valve, [into] did that just save me money?” As a homeowner with bills to pay, it’s a bit unnerving to think about one nondescript valve making such a big difference in the bottom line of a company and its customers. But it’s examples like this that helped CVector reach a new milestone, as it has now closed a $5 million seed round, Zhang and Ruggles told TechCrunch. The financing was led by Powerhouse Ventures and included a mix of venture and strategic backing, with participation from early stage funds like Fusion Fund and Myriad Venture Partners, as well as Hitachi’s corporate venture arm. With the funding round closed, CVector is talking a bit more about some of its first customers — and just how different they are. “The joy of the last, say, six to eight months has been going to the industrial heartland, to all of these places that are just in the middle of nowhere, but have massive production plants that are either reinventing themselves or really transforming how they make decisions,” Zhang said in an interview. Techcrunch event Disrupt 2026 Tickets: One-time offer Tickets are live! Save up to $680 while these rates last, and be among the first 500 registrants to get 50% off your +1 pass. T...
Polaris (NYSE: PII) Q3 2024 Earnings Call , 10:00 a.m. ET Contents: Prepared Remarks Questions and Answers Call Participants Prepared Remarks: Operator Good day, and welcome to the Polaris third quarter 2024earnings conference calland webcast. [Operator instructions] Please note, today's event is being recorded. I would now like to turn the conference over to J.C. Weigelt, vice president, investor...
Polaris (NYSE: PII) Q3 2024 Earnings Call , 10:00 a.m. ET Contents: Prepared Remarks Questions and Answers Call Participants Prepared Remarks: Operator Good day, and welcome to the Polaris third quarter 2024earnings conference calland webcast. [Operator instructions] Please note, today's event is being recorded. I would now like to turn the conference over to J.C. Weigelt, vice president, investor relations. Please go ahead. J.C. Weigelt -- Vice President, Investor Relations Thank you, Rocco, and good morning or afternoon, everyone. I'm J.C. Weigelt, vice president of investor relations at Polaris. Thank you for joining us for our 2024 third quarterearnings call We will reference a slide presentation today, which is accessible on our website at ir.polaris.com. Joining me on the call today are Mike Speetzen, our chief executive officer; and Bob Mack, our chief financial officer. Both have prepared remarks summarizing the third quarter as well as our expectations for the remainder of 2024. Then we'll take your questions. Should you invest $1,000 in Polaris right now? Before you buy stock in Polaris, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Polaris wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $880,670!* Stock Advisor provides investors with an easy-to-follow blueprint for success, including guidance on building a portfolio, regular updates from analysts, and two new stock picks each month. The Stock Advisor service has more than quadrupled the return of S&P 500 since 2002*. See the 10 stocks » *Stock Advisor returns as of October 21, 2024 During the call, we will be discussing various topics, which should be considered forward-looking for the purpose of the Private Securities Litigation...
Hundreds of thousands without power in the U.S. after a powerful winter storm toggle caption Brett Carlsen/Getty Images Bitter cold is gripping much of the country after a massive winter storm swept across the U.S., dumping ice, sleet and snow from New Mexico to the eastern seaboard. At least 18 deaths are attributed to the weather, according to The Associated Press. Nearly half the nation's popul...
Hundreds of thousands without power in the U.S. after a powerful winter storm toggle caption Brett Carlsen/Getty Images Bitter cold is gripping much of the country after a massive winter storm swept across the U.S., dumping ice, sleet and snow from New Mexico to the eastern seaboard. At least 18 deaths are attributed to the weather, according to The Associated Press. Nearly half the nation's population was impacted by the winter freeze, which knocked out power, made road conditions hazardous, and disrupted some of the nation's busiest airports. Heavy snow is still falling in the northeast, and the National Weather Service (NWS) warns the frigid temperatures will persist over the eastern two-thirds of the U.S. this week. "Numerous record lows are forecast," according to the NWS forecast. "Sub-zero lows are expected nearly every morning from the Northern Plains through the Ohio Valley and into the Northeast." Ice-covered trees and power lines knocked out power for more than a million customers across the South at the peak of the storm. By mid-morning Monday more than 800,000 homes and businesses remained without electricity, according to PowerOutage.com. Sponsor Message The ongoing freeze is hampering the work to restore electricity. Middle Tennessee Electric is asking for patience, saying crews have been "fighting tree after tree," in a social media post. "As soon as they can get a line back up, another tree falls, knocking it back out." Officials are urging people to stay off the roads until the ice melts, which could be days. "Unfortunately, the risk of power outages and slick roads is not over," says North Carolina Gov. Josh Stein. "Temperatures will remain dangerously cold throughout the week, especially at night, so please stay safe." "This storm blanketed Kentucky with snow, sleet and ice for 36 hours straight and now dangerously low temperatures will continue," says Kentucky Gov. Andy Beshear. "With these dangerously cold temperatures, if your power is out, we...
Treasury Secretary Scott Bessent cancelled all department contracts with Booz Allen Hamilton, citing a broader effort to eliminate 'waste, fraud, and abuse.' Shares of the large tech consulting company Booz Allen Hamilton Holding Corp (BAH 10.40%) traded nearly 11% lower, as of 2:09 p.m. ET today. The move came after the U.S. Treasury Department cancelled all contracts with the company, which is k...
Treasury Secretary Scott Bessent cancelled all department contracts with Booz Allen Hamilton, citing a broader effort to eliminate 'waste, fraud, and abuse.' Shares of the large tech consulting company Booz Allen Hamilton Holding Corp (BAH 10.40%) traded nearly 11% lower, as of 2:09 p.m. ET today. The move came after the U.S. Treasury Department cancelled all contracts with the company, which is known for its extensive government work. Retribution for past data leak Treasury Secretary Scott Bessent said the department is cancelling all contracts with Booz Allen Hamilton, due to a data leak by one of the firm's employees between 2018 and 2020. During this time, an employee named Charles Edward Littlejohn leaked the tax records of hundreds of thousands of employees. Littlejohn has also admitted to leaking the tax records of President Donald Trump to the New York Times and of other wealthy people to the investigative news outlet ProPublica. He was sentenced to five years in prison in 2024. Bessent noted that the Treasury Department has 31 contracts with Booz Allen, totaling annual revenue of $4.8 million and total commitments of $21 million. "President Trump has entrusted his cabinet to root out waste, fraud, and abuse, and canceling these contracts is an essential step to increasing Americans' trust in government," Bessent said in a statement. Expand NYSE : BAH Booz Allen Hamilton Today's Change ( -10.40 %) $ -10.63 Current Price $ 91.60 Key Data Points Market Cap $12B Day's Range $ 89.37 - $ 103.00 52wk Range $ 79.23 - $ 136.40 Volume 178K Avg Vol 2.7M Gross Margin 20.80 % Dividend Yield 2.15 % In a response statement, Booz Allen said it has "consistently condemned in the strongest possible terms the actions of Charles Littlejohn" and "fully supported the U.S. government in its investigation." A difficult environment While $21 million is not a material amount of revenue for the company, Booz Allen does a lot of government contract work, so investors are likely concer...
Standing inches from Xi Jinping at a military ceremony in late December, China’s highest-ranking general, Zhang Youxia, may have had little inkling about the fate that was to befall him just a few weeks later when he was put under investigation. The 75-year-old’s physical proximity to China’s leader, who stands to his right, reflects the position he holds in China’s hierarchy. As vice-chair of the...
Standing inches from Xi Jinping at a military ceremony in late December, China’s highest-ranking general, Zhang Youxia, may have had little inkling about the fate that was to befall him just a few weeks later when he was put under investigation. The 75-year-old’s physical proximity to China’s leader, who stands to his right, reflects the position he holds in China’s hierarchy. As vice-chair of the Central Military Commission (CMC), the ruling body of the People’s Liberation Army (PLA), he is the second-most powerful person in China’s military, after Xi, the commander-in-chief. But on Saturday, China’s defence ministry announced that Zhang and Liu Zhenli, another CMC member, were under investigation for “suspected serious violations of discipline and law”, party-speak for corruption. Zhang and Liu have not been formally removed from the party or the commission, but being placed under investigation is all but certain to lead to those outcomes. “This is easily the most significant PLA purge in the post-Mao era,” said Neil Thomas, a fellow on Chinese politics at the Asia Society thinktank. “It’s hard to overstate how rare this is … it would be like arresting the chair of the US joint chiefs of staff for corruption.” View image in fullscreen Zhang Youxia at a naval symposium in Qingdao in April 2024. Photograph: Florence Lo/Reuters A Sunday editorial in the PLA’s official newspaper laid out the charges against Zhang and Liu. The men allegedly “seriously betrayed the trust and expectations” of the party and the CMC and “fostered political and corruption problems that undermined the party’s absolute leadership over the military”. Precise details of the allegations have not been revealed, but the editorial suggests that political problems were a factor as well as corruption. Alfred Wu, an associate professor at the National University of Singapore, said Zhang’s recent appearance alongside Xi and his nomination to the CMC at the 20th party congress in 2022, when he was past ...
Bargain hunters are wise to pay careful attention to insider buying, because although there are many various reasons for an insider to sell a stock, presumably the only reason they would use their hard-earned dollars to make a purchase, is that they expect to make money. Today we look at two noteworthy recent insider buys. On Thursday, Biodesix's , Jack W. Schuler, made a $903,561 purchase of BDSX...
Bargain hunters are wise to pay careful attention to insider buying, because although there are many various reasons for an insider to sell a stock, presumably the only reason they would use their hard-earned dollars to make a purchase, is that they expect to make money. Today we look at two noteworthy recent insider buys. On Thursday, Biodesix's , Jack W. Schuler, made a $903,561 purchase of BDSX, buying 82,465 shares at a cost of $10.96 a piece. Biodesix Inc is trading down about 8% on the day Monday. Before this latest buy, Schuler bought BDSX on 4 other occasions during the past year, for a total investment of $3.93M at an average of $0.47 per share. And also on Thursday, Chief Executive Officer Geert R. Kersten purchased $200,001 worth of CEL-SCI, purchasing 38,023 shares at a cost of $5.26 each. Before this latest buy, Kersten bought CVM on 2 other occasions during the past twelve months, for a total cost of $249,998 at an average of $6.65 per share. CEL-SCI is trading up about 4.6% on the day Monday. So far Kersten is in the green, up about 28.3% on their purchase based on today's trading high of $6.75. VIDEO: Monday 1/26 Insider Buying Report: BDSX, CVM The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
In trading on Monday, shares of Rithm Capital Corp's Reset Rate Series D Cumulative Preferred Stock (Symbol: RITM.PRD) were yielding above the 7% mark based on its quarterly dividend (annualized to $1.75), with shares changing hands as low as $25.00 on the day. This compares to an average yield of 8.00% in the "Real Estate" preferred stock category, according to Preferred Stock Channel . As of las...
In trading on Monday, shares of Rithm Capital Corp's Reset Rate Series D Cumulative Preferred Stock (Symbol: RITM.PRD) were yielding above the 7% mark based on its quarterly dividend (annualized to $1.75), with shares changing hands as low as $25.00 on the day. This compares to an average yield of 8.00% in the "Real Estate" preferred stock category, according to Preferred Stock Channel . As of last close, RITM.PRD was trading at a 0.16% premium to its liquidation preference amount, versus the average discount of 13.30% in the "Real Estate" category. Below is a dividend history chart for RITM.PRD, showing historical dividend payments on Rithm Capital Corp's Reset Rate Series D Cumulative Preferred Stock: In Monday trading, Rithm Capital Corp's Reset Rate Series D Cumulative Preferred Stock (Symbol: RITM.PRD) is currently trading flat on the day, while the common shares (Symbol: RITM) are up about 0.8%. Click here to find out the 50 highest yielding preferreds » Also see: The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
The Invesco NASDAQ Internet ETF is seeing unusually high volume in afternoon trading Monday, with over 140,000 shares traded versus three month average volume of about 51,000. Shares of PNQI were up about 1.1% on the day. Components of that ETF with the highest volume on Monday were Apple, trading up about 1% with over 13.5 million shares changing hands so far this session, and Alphabet, up about ...
The Invesco NASDAQ Internet ETF is seeing unusually high volume in afternoon trading Monday, with over 140,000 shares traded versus three month average volume of about 51,000. Shares of PNQI were up about 1.1% on the day. Components of that ETF with the highest volume on Monday were Apple, trading up about 1% with over 13.5 million shares changing hands so far this session, and Alphabet, up about 0.7% on volume of over 10.7 million shares. Beyond is the component faring the best Monday, higher by about 9.7% on the day, while Gitlab is lagging other components of the Invesco NASDAQ Internet ETF, trading lower by about 1.6%. VIDEO: Monday's ETF with Unusual Volume: PNQI The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
In trading on Monday, the Global X Copper Miners ETF is outperforming other ETFs, up about 4.6% on the day. Components of that ETF showing particular strength include shares of Northern Dynasty Minerals, up about 20.4% and shares of Taseko Mines, up about 4.4% on the day. And underperforming other ETFs today is the SPDR S&P Metals & Mining ETF, off about 2.2% in Monday afternoon trading. Among com...
In trading on Monday, the Global X Copper Miners ETF is outperforming other ETFs, up about 4.6% on the day. Components of that ETF showing particular strength include shares of Northern Dynasty Minerals, up about 20.4% and shares of Taseko Mines, up about 4.4% on the day. And underperforming other ETFs today is the SPDR S&P Metals & Mining ETF, off about 2.2% in Monday afternoon trading. Among components of that ETF with the weakest showing on Monday were shares of Ramaco Resources, lower by about 19.9%, and shares of United States Antimony, lower by about 12.6% on the day. VIDEO: Monday's ETF Movers: COPX, XME The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
Key Points IWO tracks small-cap U.S. growth stocks, while VONG focuses on large-cap growth names with a heavy tech tilt. VONG is far larger, while IWO offers much broader diversification across more holdings These 10 stocks could mint the next wave of millionaires › Both the Vanguard Russell 1000 Growth ETF (NASDAQ:VONG) and iShares Russell 2000 Growth ETF (NYSEMKT:IWO) aim to capture U.S. growth ...
Key Points IWO tracks small-cap U.S. growth stocks, while VONG focuses on large-cap growth names with a heavy tech tilt. VONG is far larger, while IWO offers much broader diversification across more holdings These 10 stocks could mint the next wave of millionaires › Both the Vanguard Russell 1000 Growth ETF (NASDAQ:VONG) and iShares Russell 2000 Growth ETF (NYSEMKT:IWO) aim to capture U.S. growth stocks, but their approaches diverge sharply: VONG tracks large, established names from the Russell 1000 Growth Index, whereas IWO follows the Russell 2000 Growth Index, focusing on smaller, faster-growing firms. This comparison explores their costs, performance, risk, and underlying holdings to help investors weigh which may fit their portfolio goals. Snapshot (cost & size) Metric VONG IWO Issuer Vanguard IShares Expense ratio 0.07% 0.24% 1-yr return (as of Jan. 25, 2026) 12.6% 15.21% Dividend yield 0.55% 0.52% Beta 1.15 1.13 AUM $37.5 billion $14.1 billion Beta measures price volatility relative to the S&P 500; beta is calculated from five-year weekly returns. The 1-yr return represents total return over the trailing 12 months. IWO comes with a higher expense ratio, making VONG the more affordable choice for cost-conscious investors. However, both funds currently offer the same dividend yield, so the main difference lies in ongoing fees rather than income payout. Performance & risk comparison Metric VONG IWO Max drawdown (5 y) -32.72% -42.02% Growth of $1,000 over 5 years $1,878 $1,098 What's inside Based on the Russell 2000, IWO tracks small-cap growth stocks, splitting its 1,102 holdings with a balanced approach, having even sector allocation across the healthcare, industrials, and technology sectors. Its top three positions are Bloom Energy Corp. (NYSE:BE), Credo Technology Group Holding Ltd. (NASDAQ:CRDO), and Kratos Defense & Security Solutions (NASDAQ:KTOS), with no stock accounting forup more than 2% of total assets. The fund has consistently focused on small-cap s...
Here's what your income might look like. Some people will tell you it takes a few million dollars to retire comfortably. But that's not necessarily the case. There are plenty of people who manage to do just fine with a few hundred thousand dollars saved. And on the flipside, it's possible to retire with several million dollars and find yourself scrambling to cover your bills. Last year, year, Vang...
Here's what your income might look like. Some people will tell you it takes a few million dollars to retire comfortably. But that's not necessarily the case. There are plenty of people who manage to do just fine with a few hundred thousand dollars saved. And on the flipside, it's possible to retire with several million dollars and find yourself scrambling to cover your bills. Last year, year, Vanguard reported that the median retirement plan balance among Americans 65 and over was $95,425. So if you're looking at retiring with $500,000 in your IRA or 401(k), you may be looking at roughly five times the amount of savings as some of your peers. But is $500,000 enough for a comfortable retirement? Let's find out. How much annual income can a $500,000 nest egg provide? To see what sort of annual paycheck a $500,000 IRA or 401(k) plan might provide, we need to land on a reasonable withdrawal rate. Financial experts have long sworn by the 4% rule, so it may be a good benchmark to use here. If we apply a 4% withdrawal rate to $500,000, we get an annual income of $20,000, not accounting for inflation-related adjustments. But chances are, you'll have at least some Social Security on top of that. The Social Security Administration puts the average monthly retirement benefit today at $2,071. So that's roughly another $25,000 on top of $20,000 from savings for a total annual income of about $45,000. Whether that's enough for you depends on you and you alone. A $45,000 income could potentially support a frugal lifestyle. But it may not support a lifestyle where you hang onto a 3,000-square-foot home in an area with expensive property taxes. So you'll need to be honest with yourself about your spending needs. How to make up for a smaller nest egg Although a $500,000 nest egg isn't small compared to what some people have saved, it may not buy you the retirement you want. In that case, it pays to try to boost your senior income. You can so by: Delaying your Social Security benefits...
Key Points IWO can be volatile because it holds over 1,000 small-cap growth stocks. VUG is heavily reliant upon the tech sector. These 10 stocks could mint the next wave of millionaires › Both the Vanguard Growth ETF (NYSEMKT:VUG) and iShares Russell 2000 Growth ETF (NYSEMKT:IWO) aim to capture U.S. growth stocks, but VUG does so through a large-cap lens, while IWO targets small-cap stocks. This c...
Key Points IWO can be volatile because it holds over 1,000 small-cap growth stocks. VUG is heavily reliant upon the tech sector. These 10 stocks could mint the next wave of millionaires › Both the Vanguard Growth ETF (NYSEMKT:VUG) and iShares Russell 2000 Growth ETF (NYSEMKT:IWO) aim to capture U.S. growth stocks, but VUG does so through a large-cap lens, while IWO targets small-cap stocks. This comparison explores their differences across cost, performance, risk, and portfolio construction, helping investors weigh which approach best aligns with their risk tolerance and growth preferences. Snapshot (cost & size) Metric VUG IWO Issuer Vanguard IShares Expense ratio 0.04% 0.24% 1-yr return (as of Jan. 25, 2026) 13.9% 15.21% Dividend yield 0.42% 0.52% Beta 1.2 1.13 AUM $352.38 billion $14.15 billion Beta measures price volatility relative to the S&P 500; beta is calculated from five-year weekly returns. The 1-yr return represents total return over the trailing 12 months. IWO has a higher expense ratio, but its higher dividend yield and return within the last 12 months may make the expenses more feasible for investors. Performance & risk comparison Metric VUG IWO Max drawdown (5 y) -35.61% -42.02% Growth of $1,000 over 5 years $1,849 $1,098 What's inside Based on the Russell 2000, IWO tracks small-cap growth stocks, splitting its 1,102 holdings with a balanced approach, having even sector allocation across the healthcare, industrials, and technology sectors. Its top three positions are Bloom Energy Corp. (NYSE:BE), Credo Technology Group Holding Ltd. (NASDAQ:CRDO), and Kratos Defense & Security Solutions (NASDAQ:KTOS), with no stock accounting forup more than 2% of total assets. The fund has consistently focused on small-cap stocks for over 25 years. VUG is concentrated in large-cap names, with the technology sector making up half of total assets. The only three companies that hold more than 10% weight in the fund are NVIDIA (NASDAQ:NVDA), Apple (NASDAQ:AAPL), and Micr...