Cerv Harris | Stocks • Invest • Finance
Individual investor who posts clear earnings result summaries (EPS and revenue beats/misses) and macro takeaways for mega‑caps like Apple.
Stay Invested: S&P 500 Wins 75% of Years
The S&P 500 averages ~10% per year… But the reality? • Best year: +34% • Worst year: -38% • Positive ~75% of the time Long-term investors win by staying invested, not timing it.
Dow’s Top Gainers Prove Index Still Thrives
The Dow isn’t just about “old companies”… it still moves. Here are some of the top performers this year: • CVX → +30.1% • CAT → +27.8% • VZ → +23.3% • JNJ → +18.6% • HON → +17.5% • MRK → +15.6% • WMT → +12.2%
Invest Under $100: ETFs Offer Broad Market Exposure
You don’t need thousands to start investing. There are solid ETFs you can buy for under $100 a share—and they still give you exposure to hundreds (or even thousands) of companies. Here are a few strong options: • SCHD → focused on dividend-paying...
Inflation Eats Purchasing Power: Money Must Grow
$100 in 2021 now feels like ~$80 today. That’s inflation. Your money didn’t disappear—it just buys less. If your money isn’t growing, it’s losing value.
Tech Investing Is Essentially a Bet on TSMC
TSMC controls ~72% of the global chip foundry market. That means most of the world’s advanced chips run through one company. Apple. Nvidia. AMD. AI. When you invest in tech… you’re indirectly betting on TSMC.
Magnificent 7 Slump; Broader S&P Shows Resilience
The Magnificent 7 are pulling back… hard. Meanwhile, the rest of the S&P 500 is holding up better. For years, a few tech stocks carried the market.
Diversify: Blend Growth, Value, and Income Stocks
Barron’s Top 10 Stocks for 2026 👀 From growth names like AMZN to income plays like BMY & XOM—this list shows one thing: There’s no “one-size-fits-all” portfolio. Mix growth + value + income.
SCHG Outperforms with 79% 5‑year Return
SCHG is loaded with growth leaders 👇 Top holdings: • NVDA 11.44% • AAPL 9.44% • MSFT 7.87% • AMZN 5.73% • META 4.96% • GOOGL 4.84% • TSLA 4.27% • GOOG 3.88% • AVGO 3.86% • LLY 2.96% 5-year return: +79% Would you pick SCHG over QQQ or VOO?
All Magnificent 7 Tech Giants Down Over 5% YTD
How are the 'Magnificent 7' Tech Stocks doing so far this year? 🔴 Microsoft MSFT -22.8% 🔴 Tesla TSLA -19.8% 🔴 Meta META -13% 🔴 Amazon AMZN -9.1% 🔴 Alphabet GOOGL -6.2% 🔴 Apple AAPL -5.9% 🔴 Nvidia NVDA -4.9%
AI-Focused Positioning Drives Nvidia’s Massive Outperformance over AMD
Nvidia vs AMD over the last 5 years: NVDA: +1,158% AMD: +157% Same industry… completely different outcomes. The difference? Positioning around the AI boom. The market rewards companies that dominate trends—not just participate in them.
Consistency and Growth Outperform Chasing High Yields
Dividend ETFs look similar… but they’re built very differently. • VYM → broad, steady income • SCHD → quality + dividend growth • SPYD → higher yield (more risk) • DGRO → consistent dividend growers Chasing the highest yield isn’t always the smartest move. Growth +...
Simple ETF List for Beginner Investors: Low‑Fee, Broad Exposure
If you’re a beginner investor, keep it simple: SCHD – dividends ITOT – total U.S. market VT – global exposure SPSM / SPMD / SPYM – size diversification VUG – growth VTV – value IXUS – international Low fees. Broad exposure. Long-term focus.
Monthly $300 S&P 500:
Invest $300/month into the S&P 500 and let time do the work: Year 5: $23,290 Year 10: $61,804 Year 15: $130,016 Year 20: $229,302 Year 25: $402,878 Year 30: $683,657 Consistency > timing. Start early. Stay consistent.
U.S. Real Median Household Income Peaks 2024
U.S. real median household income 2017: $71,870 2018: $74,030 2019: $78,250 2020: $81,580 2021: $81,270 2022: $79,500 2023: $82,690 2024: $83,730 Calendar-year 2025 income report (which will contain the official 2025 median household income) should drop around September 2026) Source: U.S. Census...
Software Valuations Crash: Multiples Plummet, Reset Underway
Software still getting crushed today… and look at this: 52-week drawdowns + valuations: $NOW → 25x P/E $INTU → 18x $ADBE → 10x $CRM → 14x $FICO → 25x $UBER → 21x These were “expensive” not long ago. Now? The reset is real.