Nearly all credible personal finance experts recommend maxing out tax-privileged retirement accounts. However, the BLS reported that the median worker earns $1,204 per week or $62,608 annually — and the full contribution to a 401(k) in 2026 requires that worker to save nearly 40% of every dollar earned. So how does a middle-class worker with five-figure pay max out a five-figure retirement fund? It’s challenging, but not impossible. 2026 Retirement Account Contribution Limits The IRS outlined the foll ...

Rowan Street Capital, an investment management company, released its Q4 2025 investor letter. A copy of the letter can be downloaded here. Rowan Street generated solid results in 2025 but underperformed the S&P 500 Index. The Composite returned +11.1% (net) in 2025 compared to +17.9% for the Index. Rowan Street delivered a cumulative net return of +252% over the past three years, compared to +78% for the Index during the same period. It is a concentrated strategy with a focus on long-term compounding. 2025 ...

Veeva Systems Inc. ( VEEV ) was founded in 2007 and is based in Pleasanton, CA. It provides cloud-based software and data solutions and business consulting services for life sciences companies, like biotech and pharmaceuticals. They are theI have been investing in the stock market since I was 17 years old, and over the 25+ years since I have learned the joy of compounding, the value of dividend reinvesting, and the principle that patient investing through good times and bad brings the greatest rewards. I be ...

Investing S$10,000 might not make you a millionaire overnight, but in a market like Singapore’s, it is the perfect amount to build a high-quality income engine.You do not need a massive windfall to start.What you truly need is a disciplined approach and a focus on businesses that generate real, sustainable cash. These are the three dividend stocks I would buy if I were looking to deploy that capital today.ParkwayLife REIT (SGX: C2PU) – The Defensive Growth AristocratParkwayLife REIT, or PLife REIT, remains ...

Few investing situations feel better — or more stressful — than owning a stock that has doubled or tripled.On paper, it looks like a clear win. Your capital has worked hard. Your patience has paid off. Yet instead of calm confidence, many investors feel a creeping sense of unease.Friends tell you to “lock it in,” headlines warn that markets are overheated, and the fear of giving back gains quietly takes centre stage.But selling just because a stock has gone up can be as dangerous as holding blindly.Let us b ...

Company Overview - Strata Critical Medical, Inc. (SRTA) is a logistics and medical services provider based in New York City, focusing on time-critical solutions for the U.S. healthcare industry [1] - The company offers an integrated "one call" solution specifically for donor organ recovery [1] Investment Perspective - The investment philosophy emphasizes the importance of compounding, dividend reinvesting, and patient investing through various market conditions to achieve wealth creation [1] - The approach combines steady accumulation of high-quality assets with high-risk/high-reward opportunities, underappreciated turnaround plays, and transformative technologies [1] - The investor expresses a commitment to investing in companies and industries that aim to improve the world [1]

Core Insights - Reaching a $300,000 balance in a 401(k) is a significant milestone that can greatly influence long-term retirement readiness [1][4] - The power of compounding becomes more pronounced once a 401(k) reaches around $300,000, allowing savers to potentially earn more in a good year than they contribute [2][3] Financial Discipline - Achieving this savings milestone indicates strong financial discipline and the importance of maintaining good saving habits [3][4] - It often takes 10 years or more to reach this goal, highlighting the necessity of consistent contributions and market performance [4] Investment Strategy - Investors should focus on their time horizon rather than just a specific dollar amount, especially if they are within five years of retirement [5] - A risk assessment is recommended to determine appropriate asset allocation tailored to individual goals [5] - Developing a diversification strategy is crucial as balances grow, particularly to avoid excessive holdings in company stock [6]

Market Outlook - Marc Faber predicts a correction in the stock market, citing a "colossal bubble" in residential real estate as a significant concern for the middle class [1] - Faber highlights that the U.S. stock market is near all-time highs, indicating excessive investor behavior and leverage as warning signs of a bubble [2] - He anticipates a significant breakout in interest rates, which could negatively impact the stock market, regardless of whether rates rise or fall [3][4] Economic Concerns - Faber expresses concern over decades of money printing and inflation, which he believes have led to inflated asset prices [4] - He argues that current interest rates are not high in real terms, with the 10-year Treasury yielding around 4%, while he believes the actual cost of living inflation is between 6% and 12% [3] Investment Preferences - Faber advocates for holding precious metals like gold, silver, and platinum as safe-haven assets during economic turmoil [7][8] - He notes that despite the recent popularity of gold, most individuals still hold a minimal percentage of gold in their total assets [9] - High-dividend stocks are favored by Faber, particularly those with yields of 7% to 10%, as they can provide significant returns through compounding [12][13] Alternative Investments - Faber emphasizes the importance of diversification, suggesting that alternative assets, such as art, can help reduce risk and provide returns during market stress [16][17] - The art market is highlighted as a scarce and valuable investment option, with historical performance outpacing the S&P 500 since 1995 [17][18]

Core Insights - The data indicates that net worth in America increases significantly with age, with the average 50-something American having a net worth of $1.4 million and the average 60-something at $1.6 million, while the average 20-something has only $127,730 [1][2] Wealth Accumulation Factors - Three main factors contribute to the wealth of older Americans: stocks, homes, and time [4] - The S&P 500 has increased by 256% over the past decade, averaging about 13.5% annual growth, which has significantly boosted the net worth of many Americans [4] - Home values have also risen substantially, functioning as a means of building equity over time through mortgage payments and appreciation [7][8] Age-Based Net Worth Breakdown - **20-somethings**: Average net worth is $127,730, with a median of $6,689, often starting with debt from college [13][14] - **30-somethings**: Average net worth is $321,549, with a median of $24,508; many are establishing careers and facing rising expenses [15][16][17] - **40-somethings**: Average net worth is $770,892, with a median of $76,479; this age group begins to see the impact of compounding wealth [19] - **50-somethings**: Average net worth is $1.4 million, with a median of $192,964; peak earning years are common, and many have significant home equity [20] - **60-somethings**: Average net worth is $1.6 million, with a median of $290,920; this group typically has the highest wealth and may be entering retirement [21] - **70-somethings**: Average net worth is $1.5 million, with a median of $232,712; net worth may begin to decline as retirees spend down savings [22]

Group 1 - The article discusses the overwhelming feeling that can accompany the start of a project, emphasizing the importance of breaking down goals into manageable steps [1] - Rida Morwa, with over 35 years of experience in investment and commercial banking, leads the Investing Group High Dividend Opportunities, focusing on high-yield investment strategies [1] - The service aims for a targeted safe yield of over 9%, offering features such as model portfolios, buy/sell alerts, and regular market updates to support investors [1] Group 2 - The article highlights the collaborative approach of the Investing Group, which includes contributions from various analysts and emphasizes community and education in investment [3] - It is noted that recommendations made by the group are closely monitored, with exclusive buy and sell alerts provided to members [3]