Core Insights - The State Street Industrial Select Sector SPDR ETF (XLI) is a passively managed ETF launched on December 16, 1998, designed to provide broad exposure to the Industrials - Broad segment of the equity market [1] - XLI has become increasingly popular among retail and institutional investors due to its low costs, transparency, flexibility, and tax efficiency [1][2] Fund Overview - Sponsored by State Street Investment Management, XLI has over $25.6 billion in assets, making it the largest ETF in the Industrials - Broad segment [3] - The ETF aims to match the performance of the Industrial Select Sector Index before fees and expenses [3] Sector Composition - The Industrial Select Sector Index includes various industries such as industrial conglomerates, aerospace & defense, machinery, air freight & logistics, and more [4] Cost Structure - XLI has an annual operating expense ratio of 0.08%, positioning it as one of the least expensive ETFs in its category [5] - The ETF offers a 12-month trailing dividend yield of 1.36% [5] Holdings and Diversification - The ETF is fully allocated to the Industrials sector, with General Electric (GE) making up approximately 6.75% of total assets, followed by Caterpillar Inc (CAT) and Rtx Corp (RTX) [6][7] - The top 10 holdings constitute about 39.03% of total assets under management [7] Performance Metrics - Year-to-date, XLI has gained approximately 20.26%, and it is up about 15.79% over the last 12 months as of December 16, 2025 [8] - The ETF has traded between $116.42 and $157.73 in the past 52 weeks, with a beta of 1.04 and a standard deviation of 15.7% over the trailing three-year period, indicating medium risk [8] Investment Alternatives - XLI holds a Zacks ETF Rank of 2 (Buy), based on expected asset class return, expense ratio, and momentum [9] - Other ETFs in the sector include Vanguard Industrials ETF (VIS) and First Trust RBA American Industrial Renaissance ETF (AIRR), with VIS having $6.43 billion in assets and AIRR at $6.47 billion [11]

Core Insights - The State Street SPDR Portfolio S&P 500 High Dividend ETF (SPYD) offers broad exposure to the Large Cap Value category and has amassed over $7.39 billion in assets, making it one of the larger ETFs in this segment [1][5]. Fund Overview - SPYD is managed by State Street Investment Management and aims to match the performance of the S&P 500 High Dividend Index, which measures the performance of the top 80 dividend-paying securities based on dividend yield [5]. - The fund has an annual operating expense ratio of 0.07%, positioning it as one of the least expensive options in the market [6]. Performance Metrics - As of December 16, 2025, SPYD has returned approximately 5.18% year-to-date and 1.94% over the past year, with a trading range between $38.81 and $45.16 in the last 52 weeks [10]. - The fund has a beta of 0.78 and a standard deviation of 15.13% over the trailing three-year period, indicating a medium risk profile [10]. Sector Allocation - The fund's largest sector allocation is to Real Estate at 21.2%, followed by Financials and Consumer Staples [7]. - CVS Health Corp (CVS) is the largest individual holding at 1.66% of total assets, with the top 10 holdings comprising about 14.58% of total assets under management [8]. Alternatives - Other ETFs in the same space include Schwab U.S. Dividend Equity ETF (SCHD) and Vanguard Value ETF (VTV), with assets of $71.88 billion and $157.78 billion respectively, and lower expense ratios of 0.06% and 0.04% [11].

Core Insights - The State Street Health Care Select Sector SPDR ETF (XLV) is a passively managed ETF launched on December 16, 1998, providing broad exposure to the Healthcare - Broad segment of the equity market [1] - XLV is the largest ETF in its category, with assets exceeding $40.99 billion, and aims to match the performance of the Health Care Select Sector Index [3] Fund Details - The ETF has an annual operating expense ratio of 0.08%, making it the least expensive option in the healthcare ETF space, with a 12-month trailing dividend yield of 1.56% [5] - The fund is fully allocated to the healthcare sector, with top holdings including Eli Lilly + Co (12.97%), Johnson + Johnson, and Abbvie Inc, which together account for approximately 57.14% of total assets [6][7] Performance Metrics - As of December 16, 2025, XLV has returned approximately 14.79% year-to-date and 12.45% over the past year, with a trading range between $128.77 and $158.77 in the last 52 weeks [8] - The ETF has a beta of 0.61 and a standard deviation of 13.38% over the trailing three-year period, indicating a medium risk profile [8] Alternatives - Other healthcare ETFs include iShares Global Healthcare ETF (IXJ) with $4.52 billion in assets and Vanguard Health Care ETF (VHT) with $17.53 billion, each with different expense ratios [11]

Core Insights - The Vanguard Information Technology ETF (VGT) and State Street Technology Select Sector SPDR ETF (XLK) both focus on U.S. technology companies, with VGT having a larger asset base and more holdings, while XLK has outperformed VGT in recent returns and is slightly cheaper [2][11]. Cost & Size - Both ETFs are similarly priced with modest yields; XLK has a lower expense ratio of 0.08% compared to VGT's 0.09% [4][5]. - As of December 15, 2025, XLK has a total asset under management (AUM) of $92.8 billion, while VGT has $130.0 billion [5]. Performance & Risk Comparison - Over the past year, XLK has returned 21.49%, outperforming VGT's 18.28% [5]. - The maximum drawdown over five years for XLK is -33.55%, while VGT's is -35.08% [6]. - A $1,000 investment in XLK would have grown to $2,319 over five years, compared to $2,222 for VGT [6]. Portfolio Holdings - VGT holds over 320 stocks, with significant allocations to Nvidia, Apple, and Microsoft, making it one of the largest sector ETFs with $138.0 billion in AUM [7][9]. - XLK is more concentrated with around 70 holdings and nearly 99% sector exposure, also heavily invested in Nvidia, Apple, and Microsoft [8][9]. Investment Implications - Both ETFs have shown strong performance compared to the S&P 500, with XLK having a slight edge in returns and expense ratio, making it a potentially more attractive option for investors focused on technology [11].

Core Insights - USANA's Probiotic supplement has received the ConsumerLab.com Seal of Approval, highlighting its commitment to high standards of purity, potency, and scientific accuracy [1][2] - The growing focus on gut health is supported by scientific evidence linking the microbiome to digestion, immunity, and overall well-being [1] - USANA emphasizes its dedication to providing premium products that empower individuals to manage their gut health confidently [1] Product Details - USANA's Probiotic features a scientifically supported blend of beneficial bacteria, packaged in a convenient stick pack for easy use [2] - The product underwent rigorous independent testing to ensure it meets high standards for potency, purity, viability, and label accuracy [1][2] - Key probiotic strains included are Lactobacillus rhamnosus GG and Bifidobacterium BB-12, known for their roles in supporting digestion and immune health [5] Company Commitment - USANA has over 30 years of experience in providing premium-quality nutrition and lifestyle products, with a focus on scientific innovation and product quality [4] - The company invests continuously in research, advanced manufacturing, and testing protocols to exceed industry expectations [2]

Magellan Asset Management, an investment management company, released the third quarter 2025 investor letter for “Magellan Global Fund”. A copy of the letter can be downloaded here. The fund focuses on outstanding companies at attractive prices and, at the same time, leverages a deep understanding of the macroeconomic landscape to manage risk. As measured by the MSCI World Index in USD, the global equities rose 7.3% in the September quarter. The portfolio underperformed the index in the quarter due strong p ...

Core Insights - Investors in 2025 are increasingly seeking reliable passive income sources, particularly those approaching retirement, with exchange-traded funds (ETFs) being a prominent option for achieving this goal [1][2] Group 1: ETF Characteristics - ETFs trade on major exchanges like stocks and hold a variety of financial assets, including stocks, bonds, and commodities, providing a means to generate passive income [1] - The ability to sell ETFs at any time during market hours offers liquidity advantages over traditional mutual funds [2] Group 2: Recommended ETFs - **JPMorgan Equity Premium Income ETF (JEPI)**: This fund has raised billions since its inception in 2020, focusing on approximately 125 stocks, including major tech companies, aiming for higher income with reasonable risk [3] - **Invesco S&P 500 High Dividend Low Volatility ETF (SPHD)**: This fund targets the 50 least volatile stocks from the highest-yielding S&P 500 companies, focusing on defensive sectors, making it suitable for conservative investors [4][5] - **Global X SuperDividend ETF (SDIV)**: This ETF invests at least 80% of its assets in high-yielding equity securities globally, with a dividend yield of 9.59% paid monthly [9] - **iShares Preferred and Income Securities ETF (PFF)**: This fund invests in preferred stocks, providing a steady monthly income with moderate risk, and has over $14 billion in assets [11][12] - **Amplify CWP Enhanced Dividend Income ETF (DIVO)**: This actively managed fund combines quality dividend stocks with covered call options, targeting conservative retirees with a dividend yield of 4.55% [13]

Magellan Asset Management, an investment management company, released the third quarter 2025 investor letter for “Magellan Global Fund”. A copy of the letter can be downloaded here. The fund focuses on outstanding companies at attractive prices and, at the same time, leverages a deep understanding of the macroeconomic landscape to manage risk. As measured by the MSCI World Index in USD, the global equities rose 7.3% in the September quarter. The portfolio underperformed the index in the quarter due strong p ...

Economic Outlook - The upcoming jobs report is considered important, but there are concerns about data accuracy due to delayed collections [1][2] - The unemployment rate is projected to rise to around 4.5%, indicating potential weakness in the economy [3][8] - There is a possibility of inflation re-accelerating, with recent notes highlighting this concern [4] Labor Market Dynamics - The labor market is described as fragile, with low hiring rates persisting for about two and a half years [5][6] - A consistent increase in unemployment could lead to layoffs, which would further weaken the labor market [6][9] - The December employment report is expected to provide a clearer picture of the labor market before the January Federal Open Market Committee (FOMC) meeting [2][8] Inflation Trends - Shelter inflation is anticipated to ease, which could stabilize overall inflation rates [10][11] - Goods inflation may rise, but it could be offset by softer shelter inflation [12][14] - Wage growth appears to be slowing, which may reduce inflationary pressures from the services sector [15] AI and Economic Growth - The ongoing investment in AI is seen as a potential driver for GDP growth, but its aggregate impact remains uncertain [16][18] - There are concerns that some investments in AI may simply divert funds from other sectors rather than represent new growth [18]

It would cost investors over $26,000 if they were starting from scratch.There are plenty of exchange-traded funds (ETFs) that focus on dividends, but one of the better go-to options is the Charles Schwab U.S. Dividend Equity ETF (SCHD +0.29%). It holds 102 stocks and has been a staple for many investors since it hit the market in October 2011.SCHD's last four per-share dividend payouts were $0.2782, $0.2604, $0.2602, and $0.2488. The payouts fluctuate because dividend companies pay their dividends at differ ...