Know What's Happening in Wealth Management
Know What's Happening in Wealth Management
Real Estate Investment Cuts Taxes and Estate Liability, UBS Says
UBS Wealth Management explains that investing in real‑estate can simultaneously reduce annual income taxes and future estate‑tax liabilities. Deductions such as mortgage interest, property taxes and depreciation lower taxable rental income, while holding properties in LLCs, trusts, family limited partnerships or self‑directed IRAs enhances the tax advantage.
A 30‑year‑old Federal Reserve employee earning $140,000 wants $420,000 in investments by age 40. Because federal employment restricts bank‑specific ETFs, the advice focuses on permissible vehicles and the required savings rate. Assuming a 6‑7% compound return, roughly $30,000‑$35,000 per year (about 30% of salary) must be invested. Recommendations include maxing out a 401(k), Roth IRA, and a taxable brokerage with low‑cost index funds while keeping an emergency fund.
Active municipal‑bond ETFs have transformed a traditionally static fixed‑income segment by pairing tax‑exempt muni exposure with the liquidity and transparency of the ETF structure. The 2019 ETF rule spurred a wave of product innovation, allowing active managers to dynamically adjust...
A retiree looking to park $100,000 can choose between a high‑yield savings account (HYSA) offering 4.20% APY and full liquidity, or a jumbo certificate of deposit (CD) delivering 4.35% APY with a short‑term lock‑in. Both products are FDIC‑insured up to...
The Reserve Bank of Australia’s recent cash‑rate hike is pushing mortgage repayments higher, prompting homeowners to reconsider fixed‑rate options. Experts explain that fixed rates lock in payments and can aid budgeting, but may become costly if interest rates fall, while...
A new study from the Center reveals that 83% of retirees encounter unexpected expenses each year, averaging about 10% of their annual income. To cover such shocks over a 25‑year retirement, households need an emergency fund ranging from $200,000 to...
U.S. household net worth reached a historic $184.1 trillion in the fourth quarter, up $2.2 trillion from the prior quarter, according to the Federal Reserve. The surge, driven by equity gains, promises higher AUM fees for advisors and a looming wave of...
$70k of cash sitting in a Roth IRA… That’s 10 years of contributions getting only 2-4%/yr from MMF Instead of ~10%/yr from S&P 500 in that timeframe Just a reminder: your Roth IRA contributions need to actually be invested.
Analysts at Truist Securities argue that biopharma has acted as a defensive haven during recent geopolitical turmoil, outperforming the broader S&P 500. Their review of the past six years shows the Health Care Select Sector ETF (XLV) delivering steadier returns and...
Investor’s Business Daily’s Best Mutual Funds Awards 2026 spotlight the top sector funds, identifying only 27 out of 268 eligible funds—about 10%—that delivered superior 10‑year returns versus the S&P 500. Semiconductor‑focused funds such as Fidelity Select Semiconductors and Fidelity Advisor Semiconductors...
U.S. markets are under pressure from soaring oil prices, rising geopolitical tensions, and persistent inflation, prompting fears of stagflation. The labor market shed 92,000 jobs, lifting unemployment to 4.4%, while the Fed kept rates steady at 3.50‑3.75% amid unchanged consumer...
Canadian homeowners and condo investors are increasingly facing underwater properties as market values retreat. Insolvency filings tied to real estate rose to eight percent of all bankruptcies in 2025, up from five percent a year earlier. Experts warn that while...
The Fraser Institute warns that proposals forcing large Canadian pension plans to boost domestic allocations could dramatically erode long‑term returns, likening the effect to a 73% tax on equity performance. It argues that the strong track records of Canada’s public...
The IRS’s 2026 rule overhaul, anchored by the One Big Beautiful Bill Act, raises the SALT deduction cap to $40,000 and forces catch‑up contributions into Roth accounts. Wealth‑management firms warn that high earners and those nearing retirement must overhaul record‑keeping...
More older adults are adopting the “Founder” title on LinkedIn, with a 69% jump in 2025 and a 300% increase since 2022. Research shows a 60‑year‑old starting a business is three times more likely to succeed than a 30‑year‑old, and...
Goldman Sachs Asset Management, overseeing about $3.6 trillion in assets, highlighted three Zacks Rank #1 mutual funds that have delivered strong three‑year returns. The Goldman Sachs U.S. Tax‑Managed Equity Fund returned 20.6%, the Growth Allocation fund posted 17.4% with a 0.55%...
Everyone starts somewhere. If you are new to dividend growth investing, these 10 episodes are the perfect starting point. 🔗 https://europeandgi.com/how-to/dividend-growth-investing-for-beginners-10-podcast-episodes-to-listen-to-first/
Wars can move markets in the short run, as they are today. But over the long run, stock returns are driven by economic growth and corporate earnings. Since 1941 the world has seen almost constant conflict. And yet, $1 in the S&P 500...
Investors who stick to “boring” strategies—primarily low‑cost index funds—outperform many who chase flashy stocks. Morningstar data shows only 33% of active funds beat their passive peers between July 2024 and June 2025. Passive funds charge roughly 0.11% expense ratios versus 0.59% for...
The reality is that trying to increase savings actually has a dual positive effect on reaching retirement: not only does it mean there’s more in the account to grow, but saving more reduces your retirement savings need. https://t.co/eEAqccbz3U #retirementplanning #advicers
I think about this Lou Brock quote a lot and how it relates to investing. The willingness to look wrong in the short-term to be right in the long-term. "Show me a guy who's afraid to look bad, and I'll...
The article explains how federal retirees can optimize Thrift Savings Plan (TSP) withdrawals by integrating tax‑planning strategies. It distinguishes between traditional and Roth TSP rules, outlines penalties for early, non‑qualified distributions, and details required minimum distributions (RMDs) that begin at...
"Asset allocation explains 93.6% of investment returns." You've heard that stat. It's wrong. What the paper actually found, and what the industry has been misquoting for 40 years, is the subject of our latest video for @IFAdotcom 👇 #Investing #WealthManagament #Finance https://t.co/HtF2EcPoVu
During the conversation today with Lee Freeman-Shor and Clare Flynn Levy who have analyzed the trade data of many of the best fund managers in the world - I asked what decision type do successful managers have the most issues...
Empower Annuity Insurance Co. announced it will act as the first rollover custodian for the newly authorized Trump Accounts (530A), child‑focused retirement accounts that launch on July 4 and receive a one‑time $1,000 Treasury deposit for eligible births between 2025‑2028. The...
You’re 32, Software Engineer, NYC. $250k income. $350k retirement $250k brokerage. Do you max retirement/brokerage accounts or focus on saving for a $1M apartment down payment?
BitFuFu Inc. secured the Mining Service Provider of the Year award at the 10th annual FinTech Breakthrough Awards. The accolade spotlights the company’s 26.4 exahash per second (EH/s) global hash‑rate, 463 MW of power capacity and a balance sheet holding 1,830 BTC,...
CPA Anthony Venette advises private‑equity general partners to gift a portion of their carried interest early, allowing any subsequent appreciation to grow outside their taxable estate. By transferring this future‑growth right before it accrues, GPs can significantly reduce estate‑tax exposure...
If your company has match with your 401K and your budget can’t handle contributing 5%. Don’t skip your contributions — start with 1% and move the needle as you get a bump via bonus or pay. I did this and...
The Bloomberg "At the Money" episode explores how ultra‑wealthy divorces differ from ordinary splits, focusing on privacy concerns, complex estate structures, and liquidity challenges. Guest Patrick Kilbane explains that while the legal process mirrors standard divorces, a single tax mistake...
Beating the S&P 500 isn't difficult. But beating the S&P 500 consistently, over the long term, is very very difficult. Many people overestimate their ability to pick good stocks over the long term. They eventually realize that it’s a losing game. That's why...
The “Upgrade Trap” Why Most People Become Poorer Every Time They Buy a Bigger House This is one of the most ignored patterns in Gurgaon. People think upgrading homes means moving forward. In reality, most upgrades reset wealth. And every reset delays compounding. The First Property...
JPMorgan Chase announced a new Athlete Council, chaired by Dwyane Wade and featuring Tom Brady, Megan Rapinoe and other sports icons, to build wealth‑advising services for athletes at every career stage. The initiative, unveiled at the bank’s $3 billion Manhattan headquarters,...
Charlie Munger: "99% will be in the bottom 99%. That's just the way it's going to work." "In my generation, the nerds who were patient and rational eventually did well — who lived within their income and worked at being sensible...
UP Fintech Holding Limited announced unaudited 2025 results, posting $612.1 million in revenue, a 56.3% increase from 2024, and net income of $170.9 million, up 181.4%. The broker added 29,700 funded clients in Q4, lifted total assets to $60.8 billion and expanded its...
It’s always been amazing to me how you can have 10 microcaps in the portfolio with a similar positive fundamental/solid management setup over the next two years. You think they can 2-3x. A few will and several won’t quite make...
$100 will not make you rich. But the decision you make with your first $100 will determine whether you ever become rich at all. Getting your first $100 is a big deal. Whether it came from a freelance job, a gift, a side hustle...
Powerica Ltd announced a ₹375‑395 per share price band for its maiden IPO, aiming to raise ₹1,100 cr through a ₹700 cr fresh issue and a ₹300‑400 cr offer‑for‑sale. The proceeds will chiefly fund debt repayment, positioning the company to become zero‑debt as...
You open a savings account labelled "Education Fund." You start contributing every month. You feel responsible. Meanwhile, there's an investment plan you set up years ago. Quietly compounding. Already on track to hit $200,000 by the time your child turns 18. Nobody...
For most investors, a well-diversified portfolio of funds will do the trick. But if you want to try to identify winners like the pros on Wall Street, there are steps you can take. https://t.co/6RP6PY8ebH
Trusts are a versatile estate‑planning tool that let grantors transfer ownership of assets to a trustee, enabling probate avoidance and greater control over distribution. The article outlines common trust types—revocable living, irrevocable, special‑needs, and charitable—highlighting their distinct benefits and tax...
It’s a bit ironic that so many tech founders and executives find me through AI, only to hear my first piece of advice—don’t rely on AI. I recently addressed a rolling GRAT question from a young married couple and discovered they...
Warren Buffett: 5 Subtle Habits That Quietly Build Massive Wealth For The Middle Class https://t.co/N7BvM6vNW2
JPMorgan Chase has created an Athlete Council, chaired by Dwyane Wade, to shape wealth‑planning services for professional athletes. The council includes Tom Brady, Megan Rapinoe, Alex Morgan and Sue Bird, leveraging their personal finance experiences. JPMorgan will also open an...
The article explains how investors can boost risk‑adjusted returns by properly sizing positions rather than merely finding ideas. It introduces a simple upside‑to‑downside framework, illustrates it with PayPal and Perimeter Solutions, and ties the ratio to a practical allocation rule...
Altruist has introduced a low‑minimum direct‑indexing solution that lets advisors offer personalized equity portfolios with a $2,000 entry point and fractional share ownership. The platform provides 44 value‑based filters, enabling clients to exclude sectors, industries, or ESG issues in one...
The $1M take-home test: → NYC W2 — gross $1.99M → LA W2 — gross $1.92M → Florida W2 — gross $1.52M → Florida biz owner — gross way less → Puerto Rico Act 60 — keep almost all of it Where you live is a...
Rising oil prices and a recent S&P 500 pullback are creating market dislocations that favor a shift from passive to active core equity exposure. T. Rowe Price’s new active core ETFs—TACU for U.S. large‑cap stocks and TACN for international equities—offer a blend of...
Jamie Hopkins, CEO of Bryn Mawr Trust and co‑author of "Your Retirement Sketchbook," shares how his father’s death shaped his approach to retirement planning and wealth mindset. He highlights the lack of financial‑advice access for trade workers and small‑business owners,...
💰 Personal finance links: why rich people borrow money, tax planning as a family affair, and why you shouldn't go broke buying a house. https://t.co/6LdWwApcUY image: https://t.co/viXpGW7Ln3 https://t.co/C7cYELGUSE
Short‑term bond ETFs remain a practical choice despite recent rate cuts, offering investors low‑cost exposure to conservative fixed‑income assets. While longer‑duration bonds promise higher yields and greater price sensitivity to rate moves, short‑term funds excel as liquid savings tools and...
