Company Overview - Nu Holdings operates Nubank, a rapidly growing digital bank in Brazil, serving 107 million customers, which is about 60% of Brazil's adult population [5] - The company is expanding into Mexico and Colombia, where it has 12 million and 3.4 million customers, respectively, targeting unbanked or underbanked populations [6] Regulatory Developments - In April, Nu Mexico Financiera received regulatory approval to convert into a bank, allowing it to expand its financial services portfolio in Mexico [7] Product Expansion - Nu Holdings is diversifying its offerings beyond traditional banking, including marketplace services (Nu Marketplace), travel solutions (Nu Travel), and telecommunications (NuCel), aiming to create a broader ecosystem for cross-selling [8] Market Potential - The fintech sector presents significant opportunities for growth, particularly for companies like Nu Holdings that operate in underserved markets and leverage technology to provide superior solutions compared to traditional competitors [9]

This is a good time to step back and gain some perspective on the key ETFs I follow as the market anticipates several economic happenings, such as:Lower interest ratesLower inflationWeaker dollarWeaker labor market Growth leadingI start with the Transportation Sector ETF (NYSEARCA: IYT) looking at the weekly chart. When I step it back, it looks weaker than the growth stocks, however, the chart suggests nothing more than noise right now.The Transportation Sector ETF (IYT) is in a weekly bullish phase, un ...

Core Viewpoint - The Invesco Large Cap Value ETF (PWV) is a passively managed fund aimed at providing broad exposure to the Large Cap Value segment of the US equity market, with assets exceeding $1.20 billion, positioning it as an average-sized ETF in this category [1]. Group 1: Fund Overview - Launched on March 3, 2005, PWV is designed to track the performance of the Large Cap Value segment [1]. - The fund is sponsored by Invesco and has accumulated over $1.20 billion in assets [1]. Group 2: Investment Characteristics - Large cap companies, defined as those with market capitalizations above $10 billion, are generally more stable and exhibit predictable cash flows, making them less volatile compared to mid and small cap companies [2]. - Value stocks, characterized by lower price-to-earnings and price-to-book ratios, have historically outperformed growth stocks in most markets, although growth stocks tend to excel in strong bull markets [3]. Group 3: Costs and Performance - The annual operating expense ratio for PWV is 0.53%, which is relatively high compared to other ETFs, and it has a 12-month trailing dividend yield of 2.22% [4]. - As of September 12, 2025, PWV has gained approximately 15.75% year-to-date and 17.11% over the past year, with a trading range between $52.26 and $64.99 in the last 52 weeks [7]. Group 4: Sector Exposure and Holdings - The ETF has a significant allocation to the Financials sector, comprising about 31.5% of the portfolio, followed by Energy and Healthcare [5]. - Goldman Sachs Group Inc. is the largest holding at approximately 3.76% of total assets, with the top 10 holdings accounting for about 35.09% of total assets under management [6]. Group 5: Risk Profile - PWV has a beta of 0.82 and a standard deviation of 14.35% over the trailing three-year period, indicating a medium risk profile [8]. - The ETF consists of about 52 holdings, which helps to diversify company-specific risk [8]. Group 6: Alternatives - PWV carries a Zacks ETF Rank of 3 (Hold), suggesting it is a viable option for investors seeking exposure to the Large Cap Value segment [9]. - Alternative ETFs in this space include the Schwab U.S. Dividend Equity ETF (SCHD) and the Vanguard Value ETF (VTV), which have significantly larger asset bases and lower expense ratios of 0.06% and 0.04%, respectively [10]. Group 7: Conclusion - Passively managed ETFs like PWV are increasingly popular among retail and institutional investors due to their low costs, transparency, flexibility, and tax efficiency, making them suitable for long-term investment strategies [11].

Core Insights - The Vanguard S&P 500 Growth ETF (VOOG) is a passively managed ETF launched on September 9, 2010, with over $20.05 billion in assets, making it one of the largest ETFs in the Large Cap Growth segment of the US equity market [1] Group 1: Large Cap Growth Overview - Large cap companies typically have a market capitalization above $10 billion, offering a stable investment option with less risk and more reliable cash flows compared to mid and small cap companies [2] - Growth stocks are characterized by higher than average sales and earnings growth rates, but they also come with higher valuations and associated risks [3] Group 2: Costs and Performance - The ETF has an annual operating expense ratio of 0.07%, making it one of the least expensive options in its category, with a 12-month trailing dividend yield of 0.49% [4] - VOOG aims to match the performance of the S&P 500 Growth Index and has gained approximately 17.4% year-to-date and about 30.01% over the past year, with a trading range between $299.15 and $428.71 in the last 52 weeks [7] Group 3: Sector Exposure and Holdings - The ETF has a significant allocation to the Information Technology sector, comprising about 42.1% of the portfolio, followed by Telecom and Consumer Discretionary [5] - Nvidia Corp (NVDA) represents approximately 14.89% of total assets, with Microsoft Corp (MSFT) and Meta Platforms Inc (META) also among the top holdings; the top 10 holdings account for about 41.77% of total assets [6] Group 4: Risk and Alternatives - VOOG has a beta of 1.11 and a standard deviation of 20.13% over the trailing three-year period, categorizing it as a medium risk investment with 217 holdings to diversify company-specific risk [8] - The ETF holds a Zacks ETF Rank of 1 (Strong Buy), indicating strong potential based on expected returns, expense ratio, and momentum; alternatives include Vanguard Growth ETF (VUG) and Invesco QQQ (QQQ) [9][10] Group 5: Market Trends - Passively managed ETFs are gaining popularity among both institutional and retail investors due to their low cost, transparency, flexibility, and tax efficiency, making them suitable for long-term investment strategies [11]

Core Viewpoint - The Pacer US Cash Cows 100 ETF (COWZ) is a large-cap value ETF that has gained significant assets and aims to provide broad exposure to the large-cap value segment of the US equity market [1] Group 1: ETF Overview - Launched on December 16, 2016, COWZ has amassed over $19.57 billion in assets, making it one of the largest ETFs in its category [1] - The ETF is passively managed and designed to match the performance of the Pacer US Cash Cows 100 Index, which targets large and mid-cap U.S. companies with high free cash flow yields [7] Group 2: Investment Characteristics - Large-cap companies typically have market capitalizations above $10 billion and are known for their stability and predictable cash flows [2] - Value stocks, which COWZ focuses on, generally have lower price-to-earnings and price-to-book ratios, but they have historically outperformed growth stocks in the long term [3] Group 3: Costs and Performance - The ETF has an annual operating expense ratio of 0.49% and a 12-month trailing dividend yield of 2.07% [4] - COWZ has gained approximately 2.8% year-to-date and 6.16% over the past year, with a trading range between $47.46 and $61.35 in the last 52 weeks [7] Group 4: Sector Exposure and Holdings - The ETF has a significant allocation to the Healthcare sector, comprising about 20.1% of the portfolio, followed by Energy and Information Technology [5] - Nike Inc (NKE) is the largest individual holding at approximately 2.17% of total assets, with the top 10 holdings accounting for about 20.95% of total assets under management [6] Group 5: Alternatives and Market Position - COWZ carries a Zacks ETF Rank of 3 (Hold), indicating it is a viable option for investors seeking exposure to the large-cap value segment [9] - Other comparable ETFs include Schwab U.S. Dividend Equity ETF (SCHD) and Vanguard Value ETF (VTV), which have larger asset bases and lower expense ratios [10] Group 6: Investor Appeal - Passively managed ETFs like COWZ are increasingly favored by retail and institutional investors due to their low costs, transparency, flexibility, and tax efficiency, making them suitable for long-term investment strategies [11]

Core Viewpoint - The Pacer US Small Cap Cash Cows ETF (CALF) provides broad exposure to the Small Cap Value segment of the US equity market, with significant assets under management and a focus on companies with high free cash flow yields [1][7]. Group 1: Fund Overview - CALF is a passively managed ETF launched on June 16, 2017, and has amassed over $4.06 billion in assets, making it one of the larger ETFs in its category [1]. - The ETF targets small-cap companies with market capitalizations below $2 billion, which are associated with higher potential returns but also higher risks [2]. Group 2: Performance Metrics - The ETF seeks to match the performance of the Pacer US Small Cap Cash Cows Index, which employs a rules-based methodology [7]. - As of September 11, 2025, CALF has lost approximately 0.56% year-to-date and has gained about 2.16% over the past year, with a trading range between $32.00 and $48.76 in the last 52 weeks [7]. - The ETF has a beta of 1.10 and a standard deviation of 22.73% over the trailing three-year period, indicating a moderate level of volatility [8]. Group 3: Cost Structure - The annual operating expenses for CALF are 0.59%, which is relatively high compared to other ETFs in the space [4]. - The ETF has a 12-month trailing dividend yield of 1.36% [4]. Group 4: Sector Exposure and Holdings - The ETF has the largest allocation to the Consumer Discretionary sector, comprising about 22.9% of the portfolio, followed by Healthcare and Industrials [5]. - United Airlines Holdings Inc (UAL) represents approximately 2.52% of total assets, with the top 10 holdings accounting for about 19.75% of total assets under management [6]. Group 5: Alternatives - CALF carries a Zacks ETF Rank of 3 (Hold), indicating it is a viable option for investors seeking exposure to the Small Cap Value area [9]. - Other comparable ETFs include the iShares Russell 2000 Value ETF (IWN) and the Vanguard Small-Cap Value ETF (VBR), which have larger asset bases and lower expense ratios [10].

Core Insights - The focus is on growth and momentum stocks that are reasonably priced and expected to outperform the market in the long term [1] - The S&P 500 and Nasdaq saw significant increases of 367% and 685% respectively from 2009 to 2019, following a recommendation to buy at the financial crisis bottom in March 2009 [1] Investment Strategy - The investment strategy emphasizes long-term investment in quality stocks, utilizing options as part of the approach [1] - The goal is to assist investors in making money through investments in high-quality growth stocks [1]

Group 1 - The individual is a 19-year-old trader managing a six-figure portfolio, focusing on growth stocks, particularly those incorporating AI and having a competitive advantage in their sector [1] - The investment strategy emphasizes identifying stocks with high growth potential that are undervalued in the market, aiming to build a portfolio centered on growth rather than fear of missing out (FOMO) [1] - The individual began researching and analyzing stocks at the age of 17, motivated by a passion for the stock market and a desire to provide insights and ideas to others [1]

Group 1 - The broader market's weakness is expected to persist due to overly optimistic expectations surrounding AI [1] - The company has a strong foundation in finance and strategy, with a decade of experience in a Big 4 audit firm focusing on banking, mining, and energy sectors [1] - The investment philosophy emphasizes thorough research and a long-term perspective, aiming to uncover promising under-the-radar stocks [1] Group 2 - The company holds a beneficial long position in BRK.B shares, indicating confidence in this investment [2] - The article expresses personal opinions and does not involve compensation from any mentioned companies [2] - Seeking Alpha clarifies that past performance does not guarantee future results and that views may not reflect the platform's overall stance [3]

Core Viewpoint - The iShares Select Dividend ETF (DVY) is a large-cap value ETF that aims to provide broad exposure to the U.S. equity market, with significant assets under management and a focus on dividend-paying stocks [1][7]. Group 1: Fund Overview - Launched on November 3, 2003, DVY is designed to match the Large Cap Value segment of the U.S. equity market and is sponsored by Blackrock [1]. - The fund has amassed over $20.75 billion in assets, making it one of the largest ETFs in its category [1]. Group 2: Investment Characteristics - Large-cap companies typically have market capitalizations above $10 billion and are characterized by stability and predictable cash flows [2]. - Value stocks, which DVY focuses on, generally have lower price-to-earnings and price-to-book ratios, and while they have lower sales and earnings growth rates, they have historically outperformed growth stocks in most markets [3]. Group 3: Costs and Performance - The annual operating expenses for DVY are 0.38%, which is competitive within its peer group, and it has a 12-month trailing dividend yield of 3.63% [4]. - As of September 2, 2025, DVY has gained approximately 9.79% year-to-date and 9.65% over the past year, with a trading range of $118.37 to $143.41 in the last 52 weeks [8]. Group 4: Sector Exposure and Holdings - DVY has a significant allocation to the Financials sector, comprising about 26.5% of the portfolio, followed by Utilities and Consumer Staples [5]. - The top 10 holdings account for approximately 19.18% of total assets, with Altria Group Inc, Ford Motor Co, and Verizon Communications Inc being notable individual holdings [6]. Group 5: Alternatives and Market Position - DVY carries a Zacks ETF Rank of 3 (Hold), indicating a reasonable option for investors seeking exposure to the Large Cap Value area [9]. - Other comparable ETFs include Schwab U.S. Dividend Equity ETF (SCHD) and Vanguard Value ETF (VTV), which have larger asset bases and lower expense ratios [10]. Group 6: Conclusion - Passively managed ETFs like DVY are favored by both institutional and retail investors due to their low costs, transparency, flexibility, and tax efficiency [11].