3 Things Crypto Investors Can Do Now to Make 2027 Tax Reporting Easier
Approximately 70 million Americans now hold cryptocurrency, yet only half understand its tax obligations. The IRS is tightening enforcement, and starting in 2027 centralized exchanges will be required to report cost‑basis data directly to the agency. Andrew Duca of Awaken Tax warns that mismatched records could trigger penalties up to 75 % of unpaid tax plus interest. He recommends three proactive steps—limiting crypto transfers, syncing accounting methods, and avoiding cross‑exchange moves—to simplify future filings.
How Homeownership Helps Build Wealth
A new NBER study led by Wharton professor Fernando Ferreira shows that mortgage modifications during the Great Recession had lasting wealth benefits. Seventy‑five percent of borrowers who received forbearance or rate cuts remained homeowners through 2013, versus 49% without aid....
Employees Can Invest Alternative Assets Into Their 401(k)s. Here's What to Know
The U.S. Department of Labor has proposed a safe‑harbor rule that would let 401(k) plans offer alternative assets such as private equity, real estate and cryptocurrencies. The rule, issued under Executive Order 14330, aims to shield plan sponsors from fiduciary liability...
The 2025 Tax Changes Could Save Small-Business Owners Thousands—If You Know Where to Look
The 2025 tax package delivers the most substantial overhaul for U.S. entrepreneurs since 2017, targeting sole proprietors, LLCs and S‑corporations. It widens tax brackets, expands the SALT deduction to $40,000 and makes the qualified business income deduction permanent. Additional generous...
Alex Morris on Dual Share Class Funds, Fixed Income, & More
Alex Morris, CEO of F/m Investments, discussed the volatile inflation backdrop and its impact on fixed‑income strategies, emphasizing Treasury‑bill exposure and TIPS as inflation hedges. He explained the firm’s pioneering dual‑share class structure for the TBIL fund, which offers both...
Goldman CEO Sees Noise Persisting on Retail Private-Credit Funds
Goldman Sachs CEO David Solomon said retail investors' concerns about private‑credit funds will persist, but Goldman remains comfortable in the space. The bank's $15.7 billion private‑credit fund saw redemptions just under 5 % in Q1, narrowly avoiding a broader outflow. Overall, the...
Infrastructure Investing—Growth, Income and Inflation Protection in One Asset Class
Michael Bell, CEO of Meketa Capital, highlighted that infrastructure investing is moving from a niche institutional asset class into the broader wealth‑management arena. Advisors are gaining confidence as educational resources proliferate, enabling them to allocate to projects that support digitization...
Analyzing the Analysis: How Do AI Portfolio Recommendations Hold Up?
Allan Roth tested Anthropic’s Claude on a $1.37 million multi‑account portfolio, including an $80,000 cash infusion, to see how well AI could generate a summary and rebalancing recommendations. Claude correctly identified the low 0.03% weighted expense ratio, proper tax‑location of assets,...
Brits Retiring Overseas Could Forfeit More than £77k in State Pension Income
British retirees moving abroad this tax year could forfeit more than £77,585 (about $98,000) in state‑pension income over a 20‑year horizon, according to Rathbones research. The loss stems from the UK’s triple‑lock policy, which freezes pension payments for expats in...
After a Rough March, Municipal Bonds May Be Offering Value
Municipal bond indices posted their steepest decline in nearly three years, slipping more than 2% in March as Treasury yields rose amid heightened geopolitical tension from the Iran conflict. The ALPS Intermediate Municipal Bond ETF (MNBD) weathered the sell‑off better...
Already Filed Your Taxes but Need to Make a Change? Mistakes the IRS Will Fix and Red Flags That Could...
Taxpayers can adjust certain items after filing by submitting IRS Form 1040‑X, especially when missed income, life events, or overlooked credits like the $500 dependent credit or $2,200 Child Tax Credit are discovered. However, irrevocable elections such as switching from a...
Rising Price Risks Boost Case for Bond Ladder ETFs
Rising inflation risk, highlighted by February's CPI showing a 0.3% monthly and 2.4% annual increase, is prompting investors to seek more resilient income strategies. Bond ladder exchange‑traded funds, especially those that distribute principal, are positioned as a hedge against sticky...
3 Top-Ranked Municipal Bond Funds to Reduce Your Portfolio Risk
Municipal bond mutual funds offer tax‑free income and capital preservation for risk‑averse investors. Zacks has identified three funds—SEI Asset Allocation Trust Conservative Strategy Allocation Fund (SMGAX), Franklin High Yield Tax‑Free Income Fund (FRHIX) and Vanguard High‑Yield Tax‑Exempt Fund (VWAHX)—each holding...
Buy These 3 DWS Mutual Funds for Solid Returns
Asset manager DWS Group, with $1.28 trillion AUM across 35 countries, recommends three mutual funds for long‑term investors. The DWS Science and Technology fund (KTCAX) posted a 33% three‑year annualized return with a 0.88% expense ratio. The DWS Global Macro fund...
Muni Bond ETFs: Beyond Tax Season Fundamentals
Municipal bond exchange‑traded funds captured $12 billion of new assets in the first quarter of 2026, with $4.4 billion flowing in during March alone. While the low‑cost passive leader iShares MUB still dominates at $43 billion, active offerings such as Capital Group’s CGMU,...
FCOM: An Overlooked Dividend Growth Opportunity With Big Tech Exposure
Fidelity MSCI Communications Services Index ETF (FCOM) earns a buy rating for its hybrid growth‑and‑income profile. Meta, Alphabet (Class A and C) and Netflix make up roughly 50% of assets, giving investors direct exposure to big‑tech earnings and future dividend lifts. The...
Why Timing the Bottom of Canada's Roller-Coaster Real Estate Market May Be Harder than You Think
Canada’s housing market has shed nearly 20% of value since February 2022, with the average resale price falling from C$816,720 (≈US$604,000) to C$663,828 (≈US$491,000). Experts say timing the market bottom is tricky because price trends vary by segment—condos remain oversupplied...
Avoid These 5 Crucial Mistakes in the First 5 Years of Retirement — They’re Almost Impossible to Undo
The first five years of retirement set the financial and health trajectory for an average 18.6‑year retirement span. Mistakes such as claiming Social Security too early, neglecting Roth conversions, ignoring health‑peak years, underestimating long‑term‑care costs, and exposing the portfolio to...
Ask an Advisor: What Taxes Will My Daughter and Granddaughter Pay When They Inherit My IRA?
The article outlines how a daughter and granddaughter will be taxed on an inherited IRA. Federal law treats traditional IRA withdrawals as ordinary income, while Roth IRA distributions can be tax‑free if requirements are met. There is no federal inheritance...
Best High-Yield Savings Interest Rates Today, April 13, 2026 (Earn up to 4% APY)
High‑yield savings accounts are still offering rates well above the national average, with SoFi and Valley Bank Direct topping the list at 4% APY as of April 13, 2026. The Federal Reserve’s three rate cuts in 2025 have begun to pull deposit...
6 Scary Retirement Risks (and How to Vanquish Them)
Retirement planning must confront six core risks that can undermine financial security: longevity, market volatility, inflation, healthcare costs, sequence‑of‑returns, and behavioral biases. As lifespans stretch to 30 years, retirees need diversified income streams, inflation‑adjusted assets, and strategies like annuities or delayed...
5 More Ways to Address the Conundrum of Concentrated Stock
Financial advisers are increasingly confronting clients with heavily concentrated stock positions, such as a 60% holding in a single company. The article outlines five advanced strategies to mitigate concentration risk: direct indexing with tax‑loss harvesting, tax‑aware long‑short positions, variable prepaid...
Inflation Could Hit 4.2% This Year: 3 Stocks to Buy Now to Protect Your Portfolio
The OECD’s April 2026 outlook projects U.S. inflation at 4.2%, well above the Federal Reserve’s 2.7% forecast, driven by geopolitical tensions and tariff policies. Higher inflation threatens consumer spending, prompting investors to seek assets that can preserve purchasing power. Analysts highlight...
US Tax Deadline 2026: Net Investment Income Tax (NIIT) Explained for Investors
The Net Investment Income Tax (NIIT) is a 3.8% federal surtax on passive income that kicks in when a taxpayer’s modified adjusted gross income exceeds $200,000 for singles or $250,000 for married couples filing jointly. With the April 15, 2026...
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When to Sell Crypto
Investors often wonder when to exit cryptocurrency positions. This guide outlines four key scenarios that justify selling, including weak project development, achieving substantial gains, negative news cycles, and the need to reallocate capital. It also highlights fundamental metrics—team quality, real‑world...
Partner Insight: Why Now Is the Time for Equity Income
Fidelity International argues that a dividend‑focused equity income strategy is well‑suited to today’s volatile, narrative‑driven markets. Geopolitical tensions, higher funding costs and a concentration of US tech stocks have heightened risk, prompting investors to seek fundamentals‑based returns. The...
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Cryptocurrency Taxes: How They Work and What Gets Taxed
The IRS classifies cryptocurrencies as property, meaning any sale, exchange, or use that results in a gain creates a taxable event. Capital gains are taxed at short‑term rates if held under a year and at long‑term rates thereafter, while income...
8 Gold‑Buying Myths That Keep People in Their 50s and 60s From Ever Getting Started
The article debunks eight common myths that deter investors in their 50s and 60s from adding gold to their portfolios, emphasizing that gold isn’t exclusive to the ultra‑wealthy, retirees, or doomsday preppers. It clarifies that gold prices can fluctuate, and...
Better Bond ETF: Fidelity's FIGB Vs. IShares' IEI
Fidelity’s Investment Grade Bond ETF (FIGB) and iShares’ 3‑7 Year Treasury ETF (IEI) are pitted against each other on cost, yield and risk. FIGB carries a 0.36% expense ratio and delivers a 4.1% dividend yield, while IEI is cheaper at 0.15%...
How to Update Your Beneficiaries Before the April Tax Deadline -- and Why It Matters
Updating beneficiary designations while filing your April tax return lets you address two critical tasks at once: ensuring your assets pass to the intended heirs and keeping estate documents current. The article stresses that account beneficiaries—especially Payable on Death (POD)...
Passive Income Streams Every Retiree Needs to Know
Retirees are increasingly turning to passive income streams to supplement withdrawals and hedge inflation. Common options include dividend‑paying stocks and funds, real‑estate crowdfunding platforms, digital products such as e‑books or courses, and fixed annuities that provide guaranteed payouts. Each approach...
Gen X Workers Are Making 10 Tax Mistakes that Can Cost Them Thousands. How to Fix Them Fast Before Retirement
Gen X workers, now aged 46‑61, face a narrow window before retirement and are prone to ten common tax mistakes that can erode savings by thousands of dollars. Errors range from delaying Roth conversions and mismanaging required minimum distributions to...
Why a $70,000 Dividend Income Goal Requires Millions, and Which ETF Gets You There Fastest
Replacing a $70,000 salary with dividend income demands a multi‑million portfolio. At a 3.39% yield, Schwab's SCHD requires roughly $2.1 million, while Vanguard's VYM and Fidelity's FDVV need even more due to lower yields and higher expenses. The article breaks down...
7 Best Performing PMS that Delivered up to 43% Returns in FY26
Despite a turbulent FY 2026 marked by tariff reversals and the Iran‑US conflict, seven Portfolio Management Services (PMS) posted double‑digit gains. Aequitas Investment’s India Opportunities product led with over 43% return, backed by roughly US$456 million in assets under management. Qode Advisors,...
I'm a Financial Adviser: This Could Be the Single Biggest Threat to an Otherwise Solid Retirement Plan
Long‑term care (LTC) threatens the stability of otherwise solid retirement plans, with roughly 70% of Americans over 65 likely to need some form of care. Traditional LTC insurance was costly, unpredictable, and often wasted if never used, deterring many retirees....
Treating Your Inheritance as 'Extra Money' Is a Sure Way to Blow It: Instead, Use This Simple Technique for Financial...
An inheritance can feel like a windfall, but impulsive spending often erodes its value. Experts advise a 6‑12 month pause, placing the money in a secure, liquid account while a strategy is crafted. Understanding tax rules—such as step‑up in basis...
The MoneyWeek ETF Portfolio Update for Mid 2026
MoneyWeek’s mid‑2026 ETF portfolio update outlines an annual rebalancing to bring all holdings back to their 10% target weights after drift caused gold and emerging‑market ETFs to sit about two percentage points overweight. The fund will reset every position, abandoning...
Value in Volatility: Why Smart Money Hunts ‘Gaps’ in Uncertain Markets
Market volatility is reviving value‑investing as investors chase mispriced assets. Arnold Van Den Berg, speaking at Talks at Google, stresses the hunt for “value gaps” – the spread between intrinsic worth and current price. He argues that fear‑driven sell‑offs create buying opportunities...
Gold vs Equities: Does the Yellow Metal Hold Edge Despite Softening Shine?
Gold has surged in the recent fear cycle, driven by unprecedented central‑bank buying that more than doubled to roughly 1,000 tonnes a year between 2022 and 2025. Over the past five years gold posted a 16.9% compound annual growth rate,...
The New Gold Rush: Why Investors Are Moving From Jewellery to Digital
Investors in India are rapidly moving from traditional jewellery to digital gold products such as Digital Gold, Gold ETFs, and Sovereign Gold Bonds, attracted by lower costs, 24‑karat purity and zero‑storage risk. Gold ETF inflows surged 283% YoY in 2025,...
My Wife and I Want to Move to Malaysia. Will We Receive Social Security Benefits There?
The Social Security Administration (SSA) allows U.S. citizens to continue receiving retirement benefits while residing in most foreign countries, including Malaysia, provided the nation is on the SSA’s approved payment list. Malaysian citizens can also qualify if they have earned...
Is This Value Fund a Good Investment Option Today?
HSBC Value Fund, a 5‑star scheme launched in 2010, has consistently outperformed its benchmark across multiple horizons, delivering 23.5%‑19.1% annualised returns over 1‑10 years. Its 10‑year SIP return of 16.8% also beats the Nifty 500 TRI and the category average, highlighting...
I Am Sharing Two Of My Retirement High-Yield Gems
Rida Morwa highlights two high‑yield retirement investments that together generate roughly 7% annual distribution yields. The first is a preferred‑share exchange‑traded fund, while the second is a short‑duration municipal bond fund offering tax‑free income. Both are positioned as steady‑income anchors...
An $18 Billion Reason to Own This 147-Year-Old Dividend Stock
Chevron (CVX) continues its streak as a Dividend Aristocrat, marking 39 straight years of dividend increases and a current annual payout of $7.12 per share. The energy giant is set to spend about $18.4 billion on capital projects in 2026, targeting...
I’m a Tax Preparer: The Refund Error That Triggers IRS Letters Most Often
Tax preparer Katrina Martin highlights three refund errors that most often trigger IRS letters: improper Earned Income Tax Credit (EITC) claims, unreported income, and repeated business losses. Errors typically arise from claiming a child who fails relationship, age, residency, or filing‑status...
A Rare Event You Might Have Missed
The Dividend Aristocrats index completed its 2026 annual rebalance with zero additions or removals—the first time the list has remained unchanged since its inception in 1989. Historically the list sees several churns each year; 2025 added three companies while 2020...
The Evolution of Private Credit
The paper by Franklin Templeton outlines how private credit has matured into a multi‑trillion‑dollar asset class encompassing direct lending, distressed debt, asset‑based financing, CRE debt and CLOs. It highlights the sector’s rapid growth, driven by investors seeking higher yields as traditional...
Geopolitical Risk, Commodities and Core Portfolio Resilience
Parametric warns that heightened geopolitical tension, exemplified by the Iran‑Iran conflict, can erode the traditional diversification benefits of stocks and bonds as both asset classes move in tandem. Energy‑price spikes drive stagflation, breaking the historic negative correlation between equities and...
VTSAX vs VOO ETF: Which Vanguard Fund Should You Buy in 2026?
Vanguard’s two flagship low‑cost vehicles, the Total Stock Market Index Fund Admiral Shares (VTSAX) and the S&P 500 ETF (VOO), offer investors broad U.S. equity exposure but differ in structure and trade mechanics. VTSAX is a mutual fund requiring a $3,000...
Tap The Brakes And Buy SPLV
Invesco’s S&P 500 Low Volatility ETF (SPLV) is rated a strong buy for investors who want full equity exposure while limiting downside risk. The fund’s index has delivered a 10.44% average return and lost only 0.05% in down‑market periods, far better...