Today's Wealth Management Pulse
Turn Excess Market Gains Into Life‑Changing Cash
The S&P 500 has surged roughly 100% over the past 3½ years, far outpacing the historical 10% annual return. The gains are heavily skewed toward the wealthiest, with the top 1% holding about 50% of equities—roughly $29 trillion—and the article shows how investors can convert this “free money” into substantial extra cash.
ARK Venture Fund Lets Retail Investors Buy Into SpaceX, OpenAI and Anthropic
Cathie Wood’s ARK Invest has launched the ARK Venture Fund (ticker ARKVX), an interval fund that gives retail investors exposure to private‑company leaders SpaceX, OpenAI and Anthropic for as little as $500. The fund holds 68 private and public firms, charges a 3.49% expense ratio and repurchases shares quarterly.
ATRAM Launches Nasdaq Feeder Fund
ATRAM Trust Corp. launched the ATRAM Nasdaq Equity Income Feeder Fund, a Philippine‑focused vehicle that invests in J.P. Morgan’s Nasdaq Equity Premium Income Active UCITS ETF. The fund employs a covered‑call strategy on the Nasdaq‑100 to generate premium income, targeting an...
First‑Gen Accountant Shares 7 Money Lessons From 20s
7 MONEY TRUTHS I LEARNED IN MY 20s, As a 29-year old 1st gen Chartered Accountant:
Vanguard Adds to Its Fixed Income Model Portfolio Menu
Vanguard has introduced a new suite of ten Target Maturity Corporate Bond ETFs, expanding its fixed‑income model‑portfolio menu. The ETFs combine the diversification and liquidity of exchange‑traded funds with defined‑maturity characteristics traditionally found in individual bonds. Each fund carries a...
9 No-Capital-Gains-Tax States in 2026 Ranked by Cost of Living: Are They Really Cheaper?
A new ranking evaluates the nine U.S. states that do not levy a state capital‑gains tax against 2026 cost‑of‑living data, housing prices, and local tax burdens. While states like Missouri and South Dakota combine low living costs with full capital‑gains...
Investment Trusts Are Outperforming Funds - Which Is Best for Your Portfolio?
Research from the Association of Investment Companies shows investment trusts have outperformed comparable open‑ended funds across multiple time horizons. Over the past decade, trusts delivered an extra £31 per £100 invested (about $39 per $100), equivalent to a 1.3 percentage‑point annual...
Illiquidity Becomes a Self‑Control Tool for Long‑Term Investors
Key quote: “long-term investors are shielded from the risks because they can lock up their capital to weather market cycles” The only risk being “shielded” is the risk of being dumb (selling in a panic). That’s not a trivial thing, we’re...
BlackRock Flips Global Allocation Fund to Net‑long AI Options in $17 B Strategy
BlackRock has moved its $17 billion Global Allocation Fund from a net‑short to a net‑long position in equity options tied to artificial‑intelligence (AI) stocks. The shift comes as the fund reduces cash equity exposure while expanding its options book, marking a...
Abrdn's SIVR Beats iShares SLV on Fees, Sparking Silver ETF Cost War
abrdn's Physical Silver Shares ETF (SIVR) undercuts iShares Silver Trust (SLV) with a 0.3% expense ratio—$20 cheaper per $10,000 invested—while SLV holds roughly $31 billion more in assets. The fee gap fuels a debate over cost versus liquidity as investors weigh...
What Has to Go Right to Make Money
Dean outlines a practical framework for dissecting any equity investment by explicitly mapping the sequence of events that must occur for the trade to succeed. He shows how this roadmap informs position sizing, risk identification, and valuation ranges, especially for...
Family Offices and Wealth Succession Dominate Readers' Curiosity
Most clicked in yesterday's Family Office Buzz email: 1⃣ From single family office to multi-family office @fortworthchris 2⃣ Newly former Navy Secretary probably became a billionaire just running Michael Dell's family office @AdamB1438 3⃣ People who are the third generation of wealth, how...
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Covered Calls Strategy: Generate Income and Manage Risk
A covered call pairs a long stock position with a sold call option, letting investors collect premium income while retaining ownership of the shares. The strategy shines in neutral or mildly bullish markets, where the stock is expected to stay...
Conviction Drives Portfolio Survival; Trim Small Positions
Most DWP clients are diversified across multiple assets. Twenty tokens is common. The exception is long-term Bitcoin holders who prefer one asset and a simple strategy. Scattered portfolios get trimmed. Small positions without conviction are usually the first to go....
How Sudden Inheritances Can Hobble Next-Generation Heirs
Over the next two decades trillions of dollars will shift from baby‑boomers to their heirs, yet many families remain unprepared. A Raymond James survey finds only 45% of individuals with at least $500,000 in investable assets are “extremely transparent” with their...
Peers Rival Wealth Managers as Succession Advisers to the Next Generation
UBS’s 2026 Global Next Generation Report shows that 27% of high‑net‑worth heirs now view peers as their primary source of succession advice, surpassing traditional wealth managers and private banks, each at 21%. Younger heirs, especially those aged 22‑25, rely heavily...
Bond ETFs Take on Expanded Role as BlackRock Report Highlights Shift in Portfolio Construction
BlackRock’s new report declares bond ETFs no longer peripheral but central to modern portfolio construction. Higher global yields and expanding alternative assets are prompting investors to treat fixed‑income ETFs as income anchors, liquidity engines, and stabilizers. Global bond‑ETF assets have...
Emergency Savings Does Not Weaken Retirement Savings
Broadcast Retirement Network hosted a roundtable with Commonwealth and T. Rowe Price to examine how workplace emergency‑savings features are reshaping 401(k), 403(b) and 457(b) plans. Research cited shows employees with an emergency fund are 70% more likely to contribute to...
Most People Work Hard Their Whole Lives But Never Get Ahead
The post outlines a four‑step sequence for building lasting wealth: save a portion of every paycheck first, invest in education rather than image, increase the value of your skills instead of merely logging hours, and finally put saved capital to...
Schwab Flags the Risk Lurking in Your Winning Stocks
Charles Schwab warns investors that when a single stock exceeds 10% of a portfolio, the account becomes over‑concentrated and vulnerable to sharp losses. The firm notes a 40% plunge in a stock representing 20% of assets would erase about 8%...
Buy 3 Aberdeen Mutual Funds for Long-Term Growth
Aberdeen Asset Management (abrdn) oversees roughly $505.6 billion across more than 80 countries, offering a broad suite of equity, fixed‑income and multi‑asset products. The firm highlights three mutual funds for long‑term growth: the Emerging Markets ex‑China fund with an 18.2% three‑year...
Retiring Early? Here's How to Turn Low-Income Years Into a Roth Conversion Goldmine.
Early retirees can leverage low‑income years to perform Roth conversions, turning taxable traditional IRA or 401(k) balances into tax‑free growth. Converting while in a reduced tax bracket avoids higher marginal rates and eliminates future required minimum distributions. The strategy also...
Embree Financial Adds $13.1 Million of iShares International Country Rotation ETF to Portfolio
Embree Financial Group increased its holding in the iShares International Country Rotation Active ETF (CORO) by 415,137 shares, a transaction valued at $13.12 million. The purchase lifts CORO to 1.7% of Embree’s reportable assets under management, reflecting a 1.55% shift in...
Vanguard Pivots to Private Markets, Launching $2,500 Interval Fund with 40% Private Allocation
Vanguard announced a new interval fund that will allocate as much as 40% of its capital to private equity, private credit, real estate and infrastructure, with a $2,500 minimum investment. The firm’s February outlook projects high‑single‑digit annual returns from top‑quartile...
Hawaii Taxes: What Retirees Should Know Now
Hawaii’s tax system combines high marginal income rates—up to nearly 11%—with several retiree-friendly offsets. Social Security benefits are fully exempt, many pensions receive favorable treatment, and the state’s property taxes are modest, typically $3,000‑$4,000 on a $1 million home after a...
Vanguard High Dividend Yield and Schwab SCHD ETFs Spotlighted as Evergreen Income Picks
Vanguard’s High Dividend Yield ETF (VYM) and Schwab’s U.S. Dividend Equity ETF (SCHD) are being highlighted as reliable income generators, with VYM’s Broadcom stake and SCHD’s 12.5% yield on cost drawing investor attention. The focus reflects a broader market swing...
Bloomberg Terminal Launches AI Chatbot ASKB for 125,000 Users
Bloomberg is testing ASKB, a generative‑AI chatbot built on multiple language models, with roughly a third of its 375,000 Terminal users. The tool aims to let analysts ask high‑level investment questions and receive synthesized answers, cutting hours of manual data...
Are Millennial Parents Savers? New Data Reveals They Are
A new Embark‑Angus Reid survey of 579 Canadian millennials (90% aged 30‑45) shows that expecting and new parents are actively saving for their children despite rising living costs. Seventy‑three percent have opened a Registered Education Savings Plan (RESP), and 84% would...
3 Diversified Bond Mutual Funds for Stable Portfolio Growth
Zacks highlights three top‑ranked diversified bond mutual funds—Federated Hermes International Bond Strategy (FIBPX), Goldman Sachs Dynamic Bond (GSOPX) and iShares U.S. Intermediate Credit Bond Index Fund (BICBX)—each holding a Zacks Rank #1 Strong Buy. Over the past three years, FIBPX...
Giving Gamechanger: Why Now's the Time to Use a Donor-Advised Fund
The One Big Beautiful Bill Act, enacted last summer, introduced a 0.5% of AGI floor for charitable deductions and lowered the top‑bracket deduction cap to $0.35 per dollar. Corporations now need contributions exceeding 1% of taxable income, with a 10%...
Great Depression Coming? Rich Dad Poor Dad Author Robert Kiyosaki Predicts ‘Giant Crash’ in 2026–27: Here’s His Strategy
Robert Kiyosaki warned on Twitter that a "giant crash" could hit markets in 2026‑27, potentially echoing a Great Depression‑type downturn. He reiterated his long‑standing belief that downturns create buying opportunities for assets like real estate, stocks, gold, silver, Bitcoin and...
Why Every New Investor Needs a Financial Safety Net
New investors are urged to build a financial safety net before committing capital, emphasizing an emergency fund that covers several months of expenses. The article explains how a cash cushion prevents forced selling during market downturns, preserving long‑term compounding. It...
Structure Determines Family Office Success; Choose Your Model
Years in this space has taught me one truth: the structure makes or breaks a family office. The outsourced model is changing the game for smaller families. Expert generalists are showing they are truly valuable. I've seen both models create...
Money Management Beats Earning: Teach Capital Skills Now
When it comes to money, capital management is the most important thing. It's shocking it isn't taught in school. Anyone can make money, but not everyone can keep it. So many people I know who "made it" are now moving back with their...
The Unforeseen Costs of Aging In Place, #303
In episode 303 of Retire with Ryan, host Ryan Morrissey breaks down the hidden financial pitfalls of aging in place, highlighting five key cost areas: home modifications, ongoing maintenance and repairs, upkeep services, healthcare-related expenses, and in‑home care. He shares...
Consistent Saving Beats Picking the Right Investment
The investment decision that matters most Saving consistently matters more than picking investments. #WealthBuilding #FinancialPlanning https://t.co/barJJEQNbf
Check Your Portfolio Less for Less Stress, Better Returns
Why checking your portfolio less helps Less checking often means less stress and better outcomes. #LongTermInvesting #BehaviouralFinance https://t.co/vWXJKp3lOU
401(k) Loans Vs. Withdrawals for Homebuyers: Risks, Rules, and Real Costs
Using retirement savings for a home purchase is allowed, but the choice between a 401(k) loan and a hardship withdrawal carries distinct tax, debt‑to‑income and long‑term wealth consequences. Loans can be up to $50,000 or 50% of the vested balance...
Staying with Parents Boosts Median Household Wealth
The secret to stunningly high median household wealth is living with your parents well into your 30s with limited geographic mobility or job opportunities in reach.
How to Overcome Our Highly Concentrated Markets
Passive investors face heightened concentration risk as the Australian ASX 200 and U.S. S&P 500 are now dominated by a handful of miners, banks and big‑tech firms, each accounting for roughly half of their respective market caps. While index funds remain the...
Understanding the PPLI Opportunity: The Basics and Beyond
Private Placement Life Insurance (PPLI) is rapidly gaining traction among affluent families seeking tax‑efficient wealth growth. Winged Keel Group, a sponsor of Family Enterprise USA, is hosting a free webcast on May 28 at 1:00 PM PDT to demystify PPLI’s structure and...
Late‑to‑Market Investors Get Discipline‑Focused Blueprint for Risk‑Managed Growth
Alpha AMC CEO Rajesh Singla and Swastika Investmart research head Santosh Meena presented a disciplined asset‑allocation framework for investors entering the market in their 30s‑50s, urging a 50‑60% equity, 40‑50% debt split and strict risk safeguards. The guidance reframes investing...
Kiplinger Recommends Qualified Opportunity Zones to Dodge Capital Gains After Market Slump
Kiplinger columnist Dan advises investors to use Qualified Opportunity Zones to defer capital‑gains taxes after a market correction that saw the S&P 500 fall over 10% and oil spike to $117 per barrel. The strategy could postpone tax on gains...
Fogler’s April 27 Picks Target TMX, Citi and Smith & Nephew as Compounding Winners
Richard Fogler, CIO of Kingwest & Company, highlighted TMX Group, Citigroup and Smith & Nephew as his top stock picks for April 27, 2026. He argues the trio offers durable pricing power, strategic restructuring and a track record of compounding returns that...
Government-Backed NS&I's New Fixed-Rate Savings Pay up to 4.5% Interest – Close to Topping the Tables
NS&I has introduced a suite of fixed‑rate savings bonds ranging from one to five years, offering rates as high as 4.5% AER on the one‑year product. Deposits start at £500 (≈ $625) and can go up to £1 million (≈ $1.25 million), with every...
Free 401k Guides for New Investors
If you are new and looking gor investment here are some free guides example for 401k https://www.investtofire.com/blog/2026-03-401k-calculator-guide-maximize-retirement
Balance Aggression and Defense to Optimize Portfolio Positioning
"The greatest way to optimize the positioning of a portfolio at a given point in time is through deciding what balance it should strike between aggressiveness and defensiveness." Howard Marks
‘I Hope to Retire Early’: I’m 56 and Have 80% in a Traditional IRA and 20% in a Roth. Am...
A 56‑year‑old couple with $3.5 million in savings—$2 million in traditional IRAs, $500 k in Roth IRAs, $1 million in a taxable brokerage account, and a $1 million inherited IRA—seeks a tax‑efficient withdrawal plan to retire early. The article advises leveraging Roth conversions before required...
Inside Asia’s 20 Richest Families: Sector Diversification, AI, and the New Dynasty Playbook
The 2026 ranking of Asia’s 20 richest families highlights a concentration of wealth that rivals sovereign‑wealth funds, with India’s Ambani clan leading at $89.7 billion—about $40 billion ahead of Hong Kong’s Kwok family. The list spans ten economies and eleven sectors, from property...
Israel Widens Tax Brackets, Giving Workers up to $117 Monthly Boost
Israel's finance minister Bezalel Smotrich approved a 2026 budget tweak that expands the 20% and 31% income‑tax brackets. The change adds between $56 and $117 to the net pay of employees earning NIS 16,150‑25,100 per month, creating a retroactive rebate...
ALM Software Turns Financial Planning Into Quantifiable Strategy
I created a video walkthrough of our new asset-liability matching software HourglassFP Pro. I know this methodology is new to most financial advisors, but I truly believe ALM is the way good financial planning should be done. This software helps you...