Group 1 - The law firm Robbins Geller Rudman & Dowd LLP is investigating potential violations of U.S. federal securities laws involving Cogent Communications Holdings, Inc. [1] - The investigation focuses on whether Cogent Communications and its top executives made false or misleading statements or failed to disclose material information to investors [1] - Cogent Communications reported a nearly 6% year-over-year decrease in service revenue for Q3 2025 and announced a 98% cut in its dividend, leading to a nearly 35% drop in share price [3] Group 2 - Cogent Communications provides high-speed internet access, private network, and data center colocation space services [3] - Robbins Geller is recognized as one of the leading law firms in securities fraud and shareholder litigation, having recovered over $2.5 billion for investors in 2024 [4]

Group 1: BP and Castrol Stake Sale - BP is selling a 65% stake in its lubricant unit Castrol to Stonepeak, valuing the unit at $10.1 billion [3] - BP will retain a 35% minority stake, while the Canada Pension Plan Investment Board will contribute up to $1.05 billion for an indirect stake [3] - Initial discussions for the sale began in November 2025 as part of BP's $20 billion divestment strategy, with early valuations around $8 billion [4] Group 2: S&P Index Changes - UiPath will replace Synovus Financial in the S&P MidCap 400, effective January 2, 2026, due to Synovus's acquisition by Pinnacle Financial Partners [4] - Versant Media Group will replace Brandywine Realty Trust in the S&P SmallCap 600, effective January 6, 2026, following its spin-off from Comcast [5] Group 3: Waymo's Software Update and Response to Power Outage - Waymo plans to update its software across its fleet and improve emergency response protocols after a power outage in San Francisco affected its vehicles [5][6] - The blackout caused several Waymo vehicles to become immobilized, contributing to traffic congestion in the city [8] - Waymo has trained over 25,000 first responders globally on how to interact with its autonomous vehicles [7]

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Shares of Multi Ways Holdings Ltd (NYSE:MWG) rose sharply in pre-market trading after the company released its first-half 2025 financial results.The Singapore-based company reported net revenue of $26.44 million for the six months ended June 30, up 87.65% from $14.09 million in the same period last year.Multi Ways Holdings shares jumped 59.6% to $0.40 in the pre-market trading session.Here are some other stocks moving in pre-market trading.GainersIndaptus Therapeutics Inc (NASDAQ:INDP) surged 62.1% to $3.21 ...

Core Insights - The Federal Reserve has cut the federal funds rate three times in late 2024 and announced a third rate cut for 2025, leading to a decline in deposit rates, making high-yield savings accounts increasingly important for earning higher interest on savings [1][5]. Group 1: High-Yield Savings Accounts - High-yield savings accounts offer significantly higher interest rates compared to traditional savings accounts, with rates reaching as high as 4% APY [2][3]. - The average savings account rate is currently at 0.39%, while the best rates for high-yield accounts are around 4% to 4.5% APY [3]. - As of December 24, 2025, the highest savings account rate available is 4% APY, offered by SoFi [3]. Group 2: Interest Rate Trends - Deposit account rates, including savings rates, are directly tied to the federal funds rate set by the Federal Reserve; when the Fed lowers its rate, deposit rates typically decrease [4]. - Following multiple interest rate hikes due to inflation, the Fed's recent cuts indicate that savings account rates are expected to continue falling [5]. Group 3: Considerations for Savings Accounts - High-yield savings accounts are suitable for short-term savings goals, providing a secure place to hold funds while earning a solid return [6]. - Factors to consider when choosing a savings account include interest rates, financial goals, accessibility of funds, and security [6][7]. - Savings accounts are generally insured by the FDIC, making them a low-risk option compared to other investment types [7].

Core Insights - The article discusses the current state of money market account (MMA) rates, highlighting the importance of earning competitive rates as interest rates decline following recent Federal Reserve rate cuts [1][5]. Group 1: Current MMA Rates - The national average interest rate for money market accounts is 0.58%, while top rates can exceed 4% APY, comparable to high-yield savings accounts [2]. - Quontic Bank currently offers the highest MMA rate at 4.25%, which is over seven times the national average [8]. Group 2: Impact of Federal Reserve Actions - Money market account rates are closely tied to the federal funds rate set by the Federal Reserve, which influences deposit account rates [3]. - Between July 2023 and September 2024, the Fed maintained a target range of 5.25%–5.50%, but subsequently cut the federal funds rate by a total of 100 basis points, leading to a decline in money market rates [4]. Group 3: Future Rate Expectations - Rates are expected to continue declining following the Fed's recent cuts, suggesting that savers may have limited time to take advantage of higher rates [5]. Group 4: Considerations for Savers - Money market accounts provide a balance of safety, liquidity, and better returns than traditional savings accounts, making them an attractive option for savers [6]. - Factors to consider when choosing a money market account include liquidity needs, savings goals, and risk tolerance [7]. Group 5: Safety of Money Market Accounts - Money market accounts are considered safe as long as they are opened with federally insured banks or credit unions, protecting against market risk [10].

Core Insights - Deposit account rates are declining, but competitive returns on certificates of deposit (CDs) can still be locked in, with the best CDs offering rates above 4% [1] Group 1: Current CD Rates - The best short-term CDs (six to 12 months) currently offer rates around 4% to 4.5% APY, with Marcus by Goldman Sachs offering the highest rate of 4% APY on its 1-year CD [2] - Historical trends show that average one-year CD rates were around 1% APY by 2009, following the financial crisis, with five-year CDs yielding less than 2% APY [2] - The trend of falling CD rates continued into the 2010s, with average rates on 6-month CDs dropping to about 0.1% APY by 2013 [3] Group 2: Economic Influences on CD Rates - The Federal Reserve's policies, particularly the decision to keep benchmark interest rates near zero, led to very low CD rates during the 2010s [3] - Between 2015 and 2018, the Fed's gradual rate increases resulted in a slight improvement in CD rates, marking the end of nearly a decade of ultra-low rates [4] - Following the COVID-19 pandemic, the Fed hiked rates 11 times between March 2022 and July 2023, leading to higher APYs on savings products, including CDs [5] Group 3: Future Trends and Considerations - As of September 2024, the Fed began cutting the federal funds rate, resulting in a steady decline in CD rates from their peak, although they remain high by historical standards [6] - Traditionally, longer-term CDs offer higher interest rates, but currently, the highest average CD rate is for a 12-month term, indicating a flattening or inversion of the yield curve [7] - When choosing a CD, factors such as goals, type of financial institution, account terms, and inflation should be considered to ensure the best fit for individual needs [8]

Deposit account rates are on the decline. The good news: You can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to 4.5% AP ...

Core Insights - The national average HELOC rate is reaching new lows for 2025, with some lenders offering rates below 7% based on credit profiles [1] - The average HELOC rate for December 2025 is reported at 7.44%, with homeowners holding nearly $36 trillion in home equity, the highest ever recorded [2] - Homeowners are likely to retain their low-rate primary mortgages, making HELOCs an attractive option for accessing home equity without selling their homes [3] HELOC Rate Structure - HELOC interest rates differ from primary mortgage rates, typically based on an index rate plus a margin, with the current prime rate at 6.75% [4] - Lenders have flexibility in pricing HELOCs, and rates can vary significantly based on credit scores and debt levels [5] - Introductory rates may be offered, but they often convert to adjustable rates after a set period, which can be substantially higher [5][7] HELOC Functionality - A HELOC allows homeowners to access equity without giving up their low-rate primary mortgage, providing flexibility in borrowing [6] - The ability to draw only what is needed from the credit line means interest is only paid on borrowed amounts [8] - For example, a $50,000 HELOC at a 7.50% interest rate would result in a monthly payment of approximately $313 during the draw period, but rates are typically variable [12] Current Market Conditions - Rates for HELOCs can range from nearly 6% to as high as 18%, depending on individual creditworthiness and lender offerings [10] - It is considered a favorable time for homeowners with low primary mortgage rates to obtain a HELOC for various uses, including home improvements or personal expenses [11]

Core Insights - Vanguard is shifting its investment strategy for 2026, recommending a portfolio mix of 40% equity and 60% fixed income, a significant change from the traditional 60% equity and 40% fixed income approach [1] Investment Strategy - Vanguard anticipates that high-quality US and foreign bonds will yield returns of approximately 4% to 5%, comparable to US equities but with lower risk [2] - The firm projects that non-US equities will outperform US stocks over the next decade, with expected annual returns of 5.1% to 7.1% for international stocks, surpassing US stock returns [2] Time Horizon and Risk Tolerance - The new investment position is suggested for investors with a medium-term outlook, particularly over the next three to five years, depending on individual risk tolerance and time horizon [3][4] Market Concerns - Vanguard's advice is influenced by concerns regarding a potential AI bubble, with the "Magnificent Seven" tech stocks being central to the S&P 500's growth, which has seen a 17% increase this year following a 23% gain in 2024 [5][6] - There are growing worries about the overvaluation of equity markets, which Vanguard views as a risk rather than an opportunity, suggesting that US fixed income could provide diversification if AI does not lead to higher economic growth, a scenario with a 25% to 30% probability [6] Long-term Investment Considerations - Experts suggest that given the current high equity valuations and increased bond yields, a more conservative portfolio may offer a better risk-return profile for the coming decade, reinforcing the importance of diversification [7]