Julius Baer, a Swiss private bank, has rolled out a suite of model portfolios tailored for UK financial advisers. The new range will be overseen by Gareth Johnson, who previously spent 14 years running the Model Portfolio Service at Brewin Dolphin. The offering consists of two types of portfolios: “active” and “passive+”, reported FT Adviser. Both will cover risk profiles 3-8 as classified by Defaqto, Dynamic Planner and EV, the news publication said. The management of these models will be handled by ...

On Feb. 5, 2026, USAdvisors Wealth Management, LLC disclosed that it reduced its position in First Trust Smith Opportunistic Fixed Income ETF (NASDAQ:FIXD). What happened According to a Securities and Exchange Commission (SEC) filing dated Feb. 5, 2026, USAdvisors Wealth Management, LLC reduced its stake in First Trust Smith Opportunistic Fixed Income ETF by 86,075 shares. The quarter-end value of the position fell by $3.8 million, reflecting the combined effects of trading and share price movement. Wha ...

You can find original article here WealthManagement. Subscribe to our free daily WealthManagement newsletters. Gerber Kawasaki Wealth & Investment Management, a Santa Monica, Calif.-based registered investment advisor managing more than $4 billion in client assets, has added Altruist as a custodian.  The RIA, which is run by CEO and President Ross Gerber and Vice President and COO Danilo Kawasaki, will route all new business to Altruist, according to an announcement. The firm cited Altruist’s infra ...

Of course, none of these paths are optimal — especially since one of the key rules of thumb for retirement readiness is to be debt-free, according to Cruze.With limited resources, many boomers may be forced to take on debt, rely heavily on Social Security, cut back their lifestyles or even return to work to maintain their quality of life.Meanwhile, a 2025 Northwestern Mutual research study found that the average “magic number” Americans think they will need for retirement is $1.26 million. With average savi ...

BlackRock's head of digital assets, Robbie Mitchnick, outlined the firm's framework in September 2025. Before launching any crypto ETF, BlackRock evaluates five factors: client demand, market capitalization, liquidity, maturity, and portfolio fit—with client demand weighing heaviest.But that success didn't come from conviction alone—it came from real client demand. As Canary Capital CEO Steven McClurg explained in a January 2026 interview, "The reason they launched Bitcoin ETFs is simple—enough institutions ...

You Could Have Captured Gold's 73% Surge For Only 0.18% - 24/7 Wall St.[S&P 5006,845.00 -0.04%][Dow Jones48,874.20 +0.05%][Nasdaq 10024,803.70 +0.24%][Russell 20002,624.57 -0.15%][FTSE 10010,696.80 +0.13%][Nikkei 22557,675.30 +1.54%][Stock Market Live February 24, 2026: S&P 500 (SPY) Rebounding from Monday Disaster][Investing]# You Could Have Captured Gold's 73% Surge For Only 0.18%### Quick ReadGoldman Sachs Physical Gold ETF (AAAU) returned 73.1% over the past year with a 0.18% expense ratio.Goldman Sachs ...

Core Insights - The article emphasizes that high yields can be misleading if not supported by strong underlying fundamentals, highlighting the difference between sustainable income and yield traps [1][2][3] Group 1: Yield Traps and Market Trends - The concept of a yield trap is introduced, where high-yielding stocks often have deteriorating fundamentals and unsustainable payout ratios, leading to further stock price declines when dividends are cut [2] - In 2025, many popular income products were not traditional dividend funds but rather high-yield products and leveraged ETFs that appeared attractive but often failed to deliver reliable income [5] - The market is shifting towards prioritizing income reliability over raw yield, as investors are increasingly focused on the sustainability of income rather than just the yield percentage [4][10] Group 2: Characteristics of Reliable Income - Reliable income is characterized by strong business fundamentals, including robust free cash flow, low payout ratios, and a history of maintaining or increasing dividends, especially during downturns [6] - Companies like Procter & Gamble and Johnson & Johnson are cited as examples of firms with long histories of dividend increases, making them attractive for income-focused investors [6] Group 3: ETF Strategies and Income Portfolios - ETFs like the Vanguard Dividend Appreciation ETF focus on companies with a history of dividend growth, offering modest yields but strong growth potential and quality metrics [7] - The article suggests that resilient income portfolios in 2026 will be built around a core of dividend-growth ETFs, complemented by other income-generating strategies like covered call funds and bond allocations [11][12] Group 4: Market Conditions Favoring Income Reliability - The current market conditions, including rate cuts and declining money market yields, are making income reliability more valuable, as speculative income strategies become riskier [8] - A defensive rotation towards utilities and consumer staples indicates a shift in capital towards companies with stable earnings and predictable cash flows, benefiting dividend-growth stocks [9] Group 5: Investor Mindset Shift - The article concludes that the shift from chasing high yields to seeking reliable income reflects a maturation in investor thinking, where income is viewed as a dependable paycheck rather than just a number to maximize [14]

Core Insights - The typical American worker has less than $1,000 saved for retirement, indicating a significant retirement savings crisis [1] - For those aged 55 to 64, the median retirement savings is only $30,000, highlighting the struggles of many families to save adequately [2] - The report emphasizes that many workers are prioritizing immediate survival over long-term savings, with millions lacking access to employer-sponsored retirement plans [2] Group 1: Retirement Savings Data - The median savings for employed adults aged 21 to 64 is $955, based on analysis from the US Census Bureau [3] - Among Americans enrolled in employer-provided retirement plans, the average 401(k) balance is $144,400, and the average IRA account balance is $137,902 [4] - The average 401(k) savings rate for these individuals is 9.5%, with an average employer contribution rate of 4.7%, leading to a combined contribution rate of 14.2% [5] Group 2: Contribution Rates and Challenges - The typical employee contribution rate across the broader workforce is between 5% and 6%, with employer contributions just under 3% [7] - Contribution rates tend to increase with age, education, and income, but many workers do not start saving until mid-career [7] - Unpredictable events such as health crises or economic downturns can derail retirement plans, further complicating the savings landscape [7]

US spot Bitcoin exchange-traded funds (ETFs) are facing their most sustained period of institutional friction this year. This year, the funds have logged six weeks of outflows amid macroeconomic uncertainty that is driving capital toward traditional safe havens. BlackRock, Fidelity Lead Bitcoin ETF Exodus Amid Macro Jitters Since the start of 2026, the funds have bled nearly $4.5 billion, offset by just $1.8 billion of inflows during the first and third weeks of the year, according to data from SosoValu ...

US spot Bitcoin exchange-traded funds recorded a fifth consecutive week of net withdrawals, extending the longest negative streak since early 2025 as institutional demand softened alongside a broader pullback in digital assets. Key Takeaways: Spot Bitcoin ETFs posted a fifth straight week of withdrawals, losing about $316 million and roughly $3.8 billion over the streak. Midweek selling outweighed Friday inflows, showing cooling institutional demand despite stable prices. Capital appears to be rotati ...