Know What's Happening in Personal Finance
Know What's Happening in Personal Finance
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Low‑Risk 401(k) Options Offer Steady Growth for Retirees
Investopedia outlines bond funds, money‑market funds, index funds, stable‑value funds and target‑date funds as the safest 401(k) strategies. These vehicles provide liquidity, predictable modest returns and align with an investor’s risk tolerance and retirement timeline.
Chair of Bain’s global private equity practice, Hugh MacArthur, says the growing ability for 401(k) participants to invest in private equity marks a major inflection point for the alternatives industry. He argues that retail access will set a new performance bar and force firms to rethink product design, compliance, and reporting. The shift could unlock billions of dollars of new capital, expanding the market beyond institutional investors. MacArthur’s comments highlight the strategic urgency for asset managers to prepare for mass‑market demand.
Actual LOCKED mortgage rates hit the lowest point since August 2022, per Optimal Blue real-time data. The 30-year fixed fell to 5.945% yesterday for a conforming loan backed by Fannie/Freddie. FHA was 5.859% and VA an even lower 5.608%. Decent.
James Choi, a Yale finance professor, introduced a formula that tailors asset allocation to age, income, savings, and risk tolerance. The Wall Street Journal highlighted that the model often recommends a more aggressive, stock‑heavy mix than conventional rules such as...
Two things you can’t buy things with in retirement…. A primary residence and pre-tax returns.
Gold’s 2025 price surge—up about 60 %—re‑ignited interest in the metal as a portfolio stabilizer amid volatile equities, bonds, crypto and real‑estate markets. Research shows that a modest 5‑10 % gold allocation can lower drawdowns and improve risk‑adjusted returns, especially for retirees...
Citi has introduced a 25% transfer bonus for moving ThankYou® points to Wyndham Rewards, running through March 21, 2026. The promotion applies to all Citi cards, but premium cards like Strata Elite, Strata Premier and Prestige achieve a 1.25 Wyndham‑point per...
Big Canadian banks often send mortgage renewal forms just weeks before the due date, offering rates that can be two percentage points higher than competing offers. In a recent example, a borrower faced a 6.09% fixed rate versus a 4.04%...
A 50% win rate with a 1:2 risk-to-reward ratio and solid risk management is all you need to make money trading over time. 50 wins × $600 = +$30,000 50 losses × $300 = -$15,000 100 trades with a 50% win rate and...
The episode breaks down the looming Social Security shortfall highlighted in the 2025 trustees report, explaining that while the trust fund may be depleted by 2033‑34, benefits would simply be reduced to match payroll tax revenue rather than disappearing. It...
In this episode Ryan Morrissey explores the pros and cons of gifting money or assets to adult children while the parents are still alive. He emphasizes assessing one’s own financial health, long‑term care needs, and the purpose of the gift—whether...
The Ministry of Labour and Employment approved a pilot to automatically refund small balances in dormant Employees’ Provident Fund Organisation (EPFO) accounts. About 7.11 lakh accounts with balances of Rs 1,000 or less, holding roughly Rs 30.52 crore, will be transferred to the subscriber’s...
Equifax Canada’s Q4 2025 credit report shows total consumer debt rose to $2.65 trillion, up 3.1% year‑over‑year, driven by higher mortgage balances and a 4.5% jump in non‑mortgage debt. Non‑mortgage delinquency peaked at 1.73%, with the 26‑35 age group posting the highest...
Treating taxes as a one time event is a middle class move. It’s why you overpay in taxes every year. It’s a year round game for the wealthy.
A strong credit score remains the linchpin for securing a home loan, especially as interest rates climb and property price growth slows. Lenders assess borrowers through the five C's—character, capacity, capital, collateral and conditions—using the credit report as a proxy...
Vanguard literally has the worst Ul and app. Charts aren’t real time. Absolutely terrible. But that's by design. They want you to prevent you from trading too much, making FOMO decisions or even logging in. Set up automatic buys and just don't...
A client showed me her previous advisor's quarterly report. 47 trades in three months. She thought that meant he was working hard for her. When I looked at her actual returns over 5 years, something didn't add up.
Elon Musk’s high‑profile ventures illustrate a disciplined risk framework that can be adapted for personal finance. While Musk can absorb multi‑year burn rates, most investors—especially those nearing retirement—must manage tighter time horizons and liquidity constraints. Translating his emphasis on scenario...
The personal savings rate in the US averaged 4.5% in 2025. History since 1959... https://t.co/umS9AR2N61
Inflation is a regressive tax on the poorest people in society, since they only hold cash. Once people have wealth, they can afford and get access to inflation-resistant asset classes (stocks, bitcoin, real estate, etc). Expanding financial access and opportunities globally to...
A WisdomTree chart shows a truly global market‑cap weighted portfolio composed of roughly 50% equities, 30% fixed income, and a surprisingly high 12.7% gold, making gold the third‑largest asset class. The analysis estimates the total market value of gold at...
In recent years, a new form of 'synthetic' lending has emerged as a potential alternative to margin loans or SBLOCs for short- and medium-term borrowing: The "box spread". https://t.co/xmNXcFkoUQ Kitces Nerd Ben Henry-Moreland shares the mechanics of box spreads, why the...
Scammers are exploiting the popularity of Korean beauty brands, the credibility of the Social Security Administration, and Amazon Prime’s reach to launch counterfeit product, phishing, and shopping fraud schemes. Fake K‑beauty listings mimic Medicube, Anua and Beauty of Joseon, often...
Stop spending hundreds of dollars every weekend just to forget the problems you have M-F
Warren Buffett teaches the ultimate investing lesson: Real investing is about assets that produce value—farms, apartment buildings, businesses—not hype or hot crypto. Focus on fundamentals, build long-term wealth, and avoid speculation. Most people invest backwards. 💸 Warren Buffett teaches a simple truth:...
The 2025 Canadian tax filing season begins as new Employment Hero data reveals a sizable awareness gap around work‑from‑home (WFH) expense claims. While 26% of Canadians worked remotely at least half the time for four consecutive weeks—making them eligible for...
How I use direct indexing in my plan: 1.) Contribute $5K/week to an 80% S&P500, 20% small cap allocation 2.) Gets about $30K - $100K in losses on paper a year, depending on the year while the actual investment still goes up...
This is Taylor. In 6 months, she: -> Found $35k of "free money" -> Grew her net worth by $150k -> Fired her financial advisor for good Here's how she did it in 1 hour per week:
Phishing emails that look authentic on a desktop become far harder to spot on mobile devices, increasing the chance of credential theft. The author received a Vanguard‑style phishing message where the sender’s email address was hidden and the link text...
If you are in your 20s or 30s, you want the stock market to crash. You should be looking forward to 20-30% drops. This is because you have 20+ years until retirement. You have time. Just buy good funds and you’ll win in...
Warren Buffett: “Success in investing doesn’t correlate with IQ once you’re above a certain level.” Takeaway: Temperament outweighs raw intelligence. Most investors don’t fail from low IQ — they fail from low discipline. 📉
The FIRE (Financial Independence, Retire Early) movement, born from the 2008‑2009 crisis, surged during COVID‑19 and then waned as remote work became mainstream. In 2024‑2025 large firms began re‑imposing in‑office mandates while pouring billions into AI, prompting massive productivity gains...
Apple shoppers can earn a limited‑time boost of 3.5‑ to 4‑times airline miles per dollar through four major airline shopping portals. The promotion runs on February 23 2026 and applies to most Apple products except flagship iPhones, Vision Pro, and several accessories. Alaska...
Vishal’s new book *The Long Game* is now available for pre‑order, featuring reflections from thirty investors who have survived multiple market cycles. It introduces the concept of the “second self,” the emotional persona that emerges during market downturns and can...
Early in my career, I recommended a hedge fund to five clients. Impressive track record. Global brand everyone would recognise. 28% annual returns for three years. I felt like I'd found something special. I was wrong.
Joe Koster’s Feb 22 2026 "Links" newsletter delivers a concise reminder that successful investing requires disciplined policies rather than gut instinct. The post features a quote emphasizing the need for pre‑established rules and procedures before any decision. It also serves as a...
As Adam notes, it's interesting that big pensions, banks and insurance companies meticulously manage their portfolios using asset-liability matching process. Meanwhile, retail investors get style and factor investing shoved down their throat in exchange for high fees. Why aren't asset-liability...
Over the last 784 days, l've invested $5/day in $VGT to show that you don't need a lot of money to start investing. These purchases made me over $800 so far. Balance is at $4.8k. It will grow to $100k in...
Travelers can fly intra‑Japan for as few as 6,000–7,500 miles, with Japan Airlines offering 7,500 American AAdvantage miles and zero taxes, while ANA’s Tokyo‑Osaka segment costs 6,000 United miles plus a modest fee. Japan‑Korea routes start at roughly 7,000 miles...
Crypto engagement is flat, but that's often a sign of a market bottom. Based on probabilities, a rebound is likely within the year. Buying Solana at $30 could be more monumental than buying ETH at $1K. #Crypto #Market #IvanClips https://t.co/VTwlNEu0cb
Our savings yield for @bankonroger is 3.61 APY. I’m not worried about competition with stablecoin yields, I’m concerned how it robs community growth. Stablecoin funds gov’t debt while community banks fund community growth.
There’s still time to review key deductions and strategies for 2025. This guide can help you get started. https://t.co/iFENgYm9YE
Lower gasoline costs will save money for those who drive cars w/ outdated combustion-powered drivetrains (more than $700/household according to this post). As a separate data point I will spend ~$290 this year to charge my electric vehicle (8000 miles, 0.3...
I built most of my early portfolio using other people’s retirement accounts. Educating others about self-directed accounts can help you raise your own bank.
I'm going to keep banging the drum for decisions that deliver "peace of mind" ROI rather than a financial return, especially for people whose plans are in good shape. My new one. https://t.co/9wYrEdGWx4
Understanding cause & effect is a highly advanced skill for even concepts like personal finances. The majority of people I talk to cannot connect their individual behavior with their financial financial status Government-level c&e is so abstract, it’s virtually impossible...
Over the past decade, most U.S. investors quietly abandoned international investing. Why? Because the U.S. was outperforming. Now that international is starting to lead, give it a few years and watch the same crowd pile back in. It’s the same cycle, over and...
The national average savings account interest is 0.39%. Yet T-bills are paying ~3.6% and no state/local taxes. Can buy them from TreasuryDirect or your broker. Or Treasury ETF (e.g $VBIL) or Treasury MMF (e.g $VUSXX) pay ~3.64%. Don't let your savings earn pennies.
Warren Buffett on wealth building: Small sums grow fast with effort, but massive portfolios need smart investing, discipline, and patience. Discover how his timeless strategies in value investing and compounding wealth can guide your financial journey. Small amounts can snowball into...
Uncomfortable Truth: If your parents made $100k in 1990... You'd need $243k today to live the same life. 30 more uncomfortable truths that nobody's talking about:
The lower Bitcoin goes, the higher the opportunity Whether it’s $67k, $50k, or lower, every big drop is a chance to buy more BTC Those with a long-term outlook have always been who benefits https://t.co/G224I1A1aJ
