With the bucket approach, you’ll need specific savings vehicles to maximize your returns and keep your money growing. For your short-term bucket, you could consider a high-yield savings account that offers full access to your money at all times.Read more: Warren Buffett used 8 solid, repeatable money rules to turn $9,800 into a $150B fortune. Start using them today to get rich (and stay rich)By splitting your assets into different categories, you can adjust the risk-return profile on each so that they match ...

Photo by BeInCrypto Bitcoin may be showing its first signs of demand recovery after a bruising month. The Coinbase Bitcoin Premium Index (CBPI) — a measure tracking whether US investors pay more or less for BTC on Coinbase vs. global exchanges — turned positive today for the first time in weeks.  The shift comes just as silver surged to a new all-time high above $55/oz, signalling renewed appetite for hard-asset exposure across markets. What the Coinbase Premium Turning Green Actually Means The premium h ...

Core Insights - Ayrshire Capital Management LLC increased its position in Blackstone by 28,448 shares during Q3 2025, bringing its total holdings to 42,892 shares valued at approximately $4.87 million [1][2][8] - Blackstone's stock price as of October 20, 2025, was $160.44, reflecting a 6.05% decline over the past year and underperforming the S&P 500 by 17.65 percentage points [2][3] - The company reported trailing twelve-month revenue of $11.58 billion and net income of $2.86 billion for the period ended June 30, 2025 [3][4] Company Overview - Blackstone is a leading global alternative asset manager with a diversified platform that includes real estate, private equity, hedge funds, and credit [5][6] - The company has a market capitalization of $192.54 billion and offers a dividend yield of 2.66% as of October 21, 2025 [3][4] Recent Performance - Blackstone's assets under management (AUM) rose 12% year over year to a record $1.2 trillion [10] - Distributable earnings increased 48% year over year to $2 billion, while fee-related earnings rose 26% year over year to $1.5 billion [10] - Despite a decline in sales from $3.7 billion in 2024 to $3.1 billion in Q3 2025, the company's return on equity has been steadily rising [9][11] Investment Implications - Ayrshire's significant increase in Blackstone holdings suggests a bullish outlook on the company, indicating confidence in its long-term performance [8][11] - The current stock price decline may present a buying opportunity for long-term investors [11]

Core Insights - The United States added 379,000 new millionaires last year, equating to over 1,000 new millionaires daily [1] Investment Challenges for New Millionaires - Newly wealthy individuals face the challenge of growing and protecting their wealth, as many lose fortunes due to poor financial decisions [2] - Common mistakes include poor tax planning, ignoring conventional investment strategies, and feeling obligated to invest in family or friends' businesses [3] Poor Tax Planning - Effective investing requires attention to tax implications, as failing to adopt tax-efficient strategies can erode wealth over time [4][5] - Investors with large dividend-paying stock portfolios may overlook tax consequences, leading to substantial annual tax bills that diminish overall returns [5] Ignoring Conventional Investment Strategies - New millionaires often deviate from traditional investment models, favoring cryptocurrency, real estate, private equity, and startups over stocks and bonds [6] - This shift reflects a desire to challenge conventional wisdom, but it may compromise long-term financial security [7] Feeling Obligated to Invest in Family/Friend Businesses - Newly wealthy individuals often receive investment opportunities from friends and family, necessitating caution in these decisions [8]

The average investor by definition does not need alternative assets in their portfolio. I'm not saying it's going to hurt them black and white. I'm not saying it's going to hurt them if they have it. I'm saying they don't actually need it. >> My evidence is the last uh I don't know 100 years they haven't had access to it.Um we have trillions of dollars in 401k balances and in many cases individual investors have substantially outperformed professional investors mostly because they kept cost low. They kept i ...

Market Overview - The market has been experiencing bullish momentum, with the S&P 500 expected to see an 8% growth in profits during the upcoming earnings season, which is notable as estimates have been rising [3][34] - The current market conditions are characterized by active dip buyers who have been purchasing during corrections of 8-10%, indicating a strong upward trend [6][10] - October is historically a month of increased volatility, which can lead to both market crashes and opportunities for investors [12][14] Company Focus: Alphabet (Google) - Alphabet has been identified as a top performer among the MAG 7 stocks, with bullish sentiment surrounding its prospects due to fading antitrust risks and positive AI developments [20][23] - Analysts suggest that Alphabet could see a potential stock price increase of 25-30% next year, with a more immediate target of a 10-15% increase over the next six months [24][25] - The current stock price is around $242-244, with options strategies being discussed that involve targeting a strike price of $260 for potential profitability [26][27] Earnings Season Insights - The upcoming earnings season is expected to set a high bar for performance, with analysts previously estimating a 3-4% gain, which has now increased to 8% [34][35] - Companies that typically outperform during earnings season may not face significant penalties for disappointing results, while those with weaker technicals could be punished [37][39] - The focus during earnings season should be on high-quality names and strong momentum stocks, with an emphasis on institutional buying patterns [40][42] Volatility and Risk Management - Volatility is described as a double-edged sword, presenting both risks and opportunities for investors, particularly in the context of options trading [7][63] - Defined risk in options trading allows investors to limit potential losses to the premium paid for the option, while offering unlimited upside potential [29][65] - Effective risk management is crucial for navigating market fluctuations, and investors are encouraged to adhere to their risk management rules [61][62]

Core Insights - Gold prices have reached a new record high, indicating a significant shift in investor behavior towards alternative assets due to concerns regarding the U.S. dollar's value [1] Group 1 - The surge in gold prices reflects a broader trend of investors seeking refuge in alternative assets amid economic uncertainty [1] - The record high in gold prices serves as a clear signal of the growing apprehension surrounding the stability of the U.S. dollar [1]

Core Insights - The article discusses the financial struggles of a high-earning couple, Jeff and Susan, despite their substantial income, highlighting the impact of financial advisor fees on their wealth accumulation [5][9][10] - It emphasizes the importance of understanding fee structures in financial advising, particularly the drawbacks of percentage-based fees on assets under management (AUM) [2][6][20] Financial Advisor Fees - Traditional financial advisors typically charge fees ranging from 0.5% to 2% of AUM, which can lead to significant costs over time [6] - Jeff and Susan currently pay approximately $6,000 annually in fees, which could escalate to around $2,054 monthly in 35 years if their portfolio grows without further contributions [10] Psychological Factors - The article notes that psychological issues related to money can affect spending habits, regardless of income level, as illustrated by Jeff and Susan's financial behavior [3][4] Alternative Investment Strategies - The article suggests that Jeff and Susan could benefit from investing in low-cost ETFs or index funds to reduce fees while achieving similar returns [10] - It also introduces alternative investment options such as commercial real estate through First National Realty Partners (FNRP) and art investments via Masterworks, which provide opportunities for diversification and potential appreciation [12][14][16] Recommendations for Switching Advisors - The article advises clients to communicate their decision to switch financial advisors clearly, emphasizing the need to move away from percentage-based fees towards flat fee structures [19][20]

Core Insights - Bitcoin is entering a critical phase as macroeconomic factors and specific crypto trends align, with BTC rising to $120,000 after a 9% increase this week, while gold also saw a 2.9% rise to $3,900 [1] - The U.S. government shutdown has significantly impacted regulatory bodies, with over 90% of SEC staff furloughed, leading to market rallies as investors anticipate a 25 basis point interest rate cut by the Federal Reserve [2] - Historical trends indicate that October is typically a bullish month for Bitcoin, with on-chain data showing a monthly demand increase of approximately 62,000 BTC since July, largely driven by ETFs and large investors [4] Market Dynamics - The crypto market is experiencing growth, particularly in DeFi trading activity, which is being fueled by renewed interest from Asia, suggesting a shift towards broader market adoption [5] - Anticipation is building around potential catalysts in the crypto space, including ETF decisions for altcoins like Solana and XRP, as well as Ethereum's Fusaka upgrade [5]

Market Overview - The S&P 500 experienced minimal movement amid the federal government shutdown, reaching a new all-time intraday high before stabilizing near the flatline [1] - Treasury Secretary Scott Bessent indicated that the shutdown could negatively impact GDP, affecting market sentiment [1] Nvidia Performance - Nvidia shares rose approximately 1% to $189, marking its longest winning streak since June with six consecutive sessions of gains [1] - The iShares Semiconductor ETF increased around 2%, contributing to the positive performance of the tech-heavy Nasdaq [1] BlackRock Insights - Bank of America anticipates a significant increase in BlackRock's net flows in Q3, driven by strong performance in fixed income and equity sectors [1] - BlackRock's shares gained over 4.5% since its mid-July earnings report, with a new price target of $1,396 suggesting over 22% upside from the previous close [1] - Analysts view BlackRock as well-positioned to benefit from growth trends in asset management, particularly in alternative assets [1] Disney Leadership Transition - Disney is expected to announce a successor for CEO Bob Iger early next year, with Josh D'Amaro and Dana Walden as the leading candidates [1] - The CEO search is being led by James Gorman, the Disney board's chairman, who is viewed favorably by analysts [1] Disney+ Brand Impact - Analysts at Jefferies noted that while Disney's brand may have taken a hit due to recent controversies, the impact on Disney+ appears less severe than anticipated [1] - Jefferies reiterated a buy rating with a price target of $144, while another source has a target of $135 [1] Upcoming Economic Data - The Bureau of Labor Statistics' nonfarm payrolls report will be delayed due to the government shutdown, but the Institute for Supply Management's services sector activity gauge is still scheduled for release [1] - Federal Reserve Vice Chair Philip Jefferson is set to speak at the Drexel Economic Forum, providing additional economic insights [1]