Core Insights - The Fidelity International High Dividend ETF (FIDI) provides equity investors with a means to diversify portfolios and achieve dividend income [1] Group 1: Fund Structure and Methodology - FIDI tracks the Fidelity International High Dividend Index, which selects over 100 constituents based on a proprietary methodology [1] - Companies are grouped by country and sector, then assigned a composite score based on fundamental metrics to identify attractive dividend characteristics [2] - The index adjusts scores to eliminate small size bias, selecting those with the highest scores for inclusion [3] Group 2: Geographic and Market Capitalization Exposure - The fund offers diversified exposure to countries such as the United Kingdom, Japan, Canada, France, and Australia, focusing on large- and midcap stocks [4] - The fund avoids small-cap companies and emerging markets to reduce volatility [4] Group 3: Sector Exposure and Weighting - Stocks are selected based on high exposure to targeted factors and weighted by market capitalization, with an additional overweight adjustment for all stocks in a sector [5] - The fund currently has a significant tilt towards the financial sector, which comprises 33% of its exposure, along with consumer staples, materials, industrials, and utilities [6] Group 4: Cost Efficiency and Yield - FIDI has a low net expense ratio of 19 basis points, equating to $19 per $10,000 invested, appealing to cost-conscious investors [7] - The fund has a 30-day SEC yield of 4.18% as of October 14, indicating potential for sustainable dividends [7]

Core Viewpoint - Civista Bancshares, Inc. has announced a quarterly dividend of 17 cents per common share, maintaining the same rate as the previous quarter, with a total payout of approximately $3.3 million, resulting in an annualized yield of 3.35% based on the stock price of $20.31 as of September 30, 2025 [1][2]. Company Overview - Civista Bancshares, Inc. is a financial holding company with assets totaling $4.2 billion, headquartered in Sandusky, Ohio. Its primary subsidiary, Civista Bank, offers a range of services including full-service banking, commercial lending, mortgage, and wealth management, operating 42 locations across Ohio, Southeastern Indiana, and Northern Kentucky [2]. Additional Information - Civista Bancshares' common shares are traded on the NASDAQ Capital Market under the symbol "CIVB" [2].

Core Viewpoint - American Electric Power (AEP) has declared a quarterly cash dividend of 95 cents per share, marking a 2-cent increase, and this is the company's 462nd consecutive quarterly dividend since 1910 [1][2]. Group 1: Dividend Information - The dividend is scheduled to be paid on December 10, 2025, to shareholders of record as of November 10, 2025 [2]. - AEP has maintained a consistent cash dividend for 115 years, demonstrating its commitment to shareholder returns [3]. Group 2: Company Overview - AEP is investing $54 billion from 2025 to 2029 to enhance service and meet growing energy needs [3]. - The company operates the largest electric transmission system in the U.S., with 40,000 line miles and over 225,000 miles of distribution lines, serving 5.6 million customers across 11 states [3]. - AEP has a generating capacity of approximately 30,000 megawatts and focuses on safety, operational excellence, and community engagement [3].

Core Viewpoint - Community Heritage Financial, Inc. has declared a quarterly cash dividend of $0.08 per share, payable on November 7, 2025, to shareholders of record on October 31, 2025 [1]. Group 1: Company Overview - Community Heritage Financial, Inc. is the parent company of Middletown Valley Bank, which offers personal and business banking services, as well as mortgage lending through its subsidiary, Millennium Financial Services, Inc. [2]. - The Bank originated in Middletown, Maryland in 1908 and currently operates in Frederick, Washington, and Garrett counties in Maryland, as well as Franklin County in Pennsylvania [2]. Group 2: Financial Performance - The announcement of the dividend follows the company's record earnings reported for the second quarter of 2025 [4].

Financial Performance - Some of the world's biggest family-owned companies might be experiencing profit declines [1] Dividends - Despite potential profit downturns, these companies are still distributing dividends [1]

Basics of Stocks - Stocks, also known as shares, represent ownership in a company, providing partial claims to its assets and earnings [1][2] - Companies issue shares to raise capital, often through an IPO (Initial Public Offering), which lists the company's shares on the stock market [2] - Stock prices are determined by supply and demand, with investor demand largely based on the expected future performance of the company [3] Investment Principles - An investment is anything expected to gain value or generate income over time, with stocks achieving this through capital appreciation and dividends [5][6] - Capital appreciation occurs as a company grows in value, increasing the value of its shares; dividends involve companies distributing excess profits to shareholders [7][8] - Reinvesting returns generates further returns, creating a compounding effect that significantly increases wealth accumulation over time [12] Investing vs Saving - Investing allows for returns that can outpace inflation, building wealth over time, unlike saving which may lose value due to inflation [11][12] - Compounding is a powerful effect where investment returns generate their own returns, leading to substantial growth over time [12][13] - Starting to invest early is crucial, as it allows more time for money to compound and grow [15]

Mutual Fund Performance - Mutual fund earnings consist of dividends, capital gains, and changes in Net Asset Value (NAV) [1] - Understanding these three components helps investors measure the true performance of a mutual fund [1]

Group 1 - The article provides a market analysis covering three closed-end funds: Gabelli Dividend & Income Closed Fund, Kayne Anderson MLP Investment Closed Fund, and Nuveen NASDAQ 100 Dynamic Overwrite Closed End Fund [1] Group 2 - The analysis includes insights on the performance and investment strategies of the mentioned funds, highlighting their potential for income generation and capital appreciation [1] Group 3 - The report emphasizes the importance of understanding the specific characteristics and market conditions affecting each fund to make informed investment decisions [1]

Core Insights - The five largest global oil majors are implementing cost-cutting measures, job reductions, and share buyback adjustments due to declining oil prices threatening shareholder payouts [1][2][3] Group 1: Financial Performance and Shareholder Returns - Oil majors have maintained generous payouts exceeding $100 million annually since 2022, increasingly funded by debt as energy prices have retreated from previous highs [2] - Most oil majors require oil prices above $80 per barrel to sustain current dividend and share buyback levels, which reached record highs in 2022 [3] - Brent oil prices recently fell below $65, the lowest since July, with forecasts predicting further declines to the low $60s and potentially the $50s next year [4] Group 2: Strategic Adjustments - TotalEnergies plans to reduce buybacks starting in Q4 2023 and aims to cut costs by $7.5 billion by the end of 2030 to manage debt levels [4] - BP and Chevron have already reduced their buyback programs this year, while Shell has not announced any cuts to its buyback plans [4] - More than a dozen energy companies, including ExxonMobil, Chevron, Shell, and BP, have announced job cuts for 2025 and 2026 [5]

Let's ask Richard Bernstein, the CEO and CIO of Richard Bernstein Adviserss. Uh, you know, Richard, you just heard the conversation with Low Tony about the the need for this AI trade to expand just beyond AI and tech that other companies have to be involved to make that total addressable market worth it work. It's going to be a an analogy to the rest of the market, I think, right at this point, everybody's got to participate.Is that broadening yacht going to happen. So I think Dom one has to think about thi ...