Group 1 - Social Security is projected to be technically insolvent by 2033, which poses a risk of automatic 23% benefit cuts for retirees [1] - The research from the CATO Institute highlights the urgency of addressing the financial sustainability of Social Security [1]

Once you hit retirement, it can be tempting to sit back and enjoy the benefits of your years of hard work. For some, this can seem like a good time to turn the focus away from building more wealth. Read Next: Suze Orman’s Top Tip for Building Wealth Is a ‘Very Easy One’ For You: Here's the Minimum Salary Required To Be Considered Upper Class in 2025 On the contrary, actions like stopping investing all together can seriously hurt your financial future. GOBankingRates talked to financial experts to learn ab ...

Group 1 - The concept suggests that as individuals retire or cease working, their investment portfolio should reduce exposure to growth-biased assets [1] Group 2 - Roberts Berzins has over ten years of experience in financial management, assisting top-tier corporates in shaping financial strategies and executing large-scale financings [2] - Berzins has contributed to institutionalizing the REIT framework in Latvia to enhance liquidity in pan-Baltic capital markets [2] - His policy-level work includes developing national SOE financing guidelines and frameworks for channeling private capital into affordable housing [2] - Berzins holds a CFA Charter and an ESG investing certificate, and has interned at the Chicago Board of Trade [2] - He is actively involved in thought-leadership activities to support the development of pan-Baltic capital markets [2]

Company Overview - Mastercard is a global financial services company with a valuation exceeding $500 billion [2] - The company trades at more than 80% of Visa's valuation [2] Investment Strategy - The Value Portfolio focuses on building retirement portfolios using a fact-based research strategy [2] - This strategy includes extensive analysis of 10Ks, analyst commentary, market reports, and investor presentations [2] - The portfolio manager invests real money in the stocks recommended [2]

Cryptocurrency Investment Recommendation - The document discusses which altcoin to recommend for a $2 million 401(k) retirement investment [1] - The document focuses on cryptocurrency investment strategies [1]

Group 1 - The Retirement Forum aims to provide actionable ideas, a high-yield safe retirement portfolio, and macroeconomic outlooks to help maximize capital and income [1] - Energy Transfer (NYSE: ET) stock has outperformed the S&P 500 by 50% over the past two years, driven by its strong dividend yield [2] - The Value Portfolio employs a fact-based research strategy, including extensive analysis of 10Ks, analyst commentary, market reports, and investor presentations to identify investment opportunities [2] Group 2 - The analyst has a beneficial long position in Energy Transfer shares, indicating confidence in the stock's performance [3] - Seeking Alpha emphasizes that past performance does not guarantee future results, highlighting the importance of thorough research before making investment decisions [4]

Core Insights - IRAEmpire.com has released a comprehensive report on Lear Capital, addressing investor curiosity about the company and its role in the precious metals IRA industry [1][4] - The report aims to provide a clear understanding of Lear Capital's services, reputation, and market position amid rising interest in physical assets like gold and silver [4] Company Overview - Lear Capital was founded in 1997 and has established itself as a prominent name in gold and silver IRAs, building its reputation through effective marketing and a focus on investor education [7] - The company offers services such as IRA rollovers, direct purchases of precious metals, and a selection of IRA-approved gold and silver coins, along with secure storage partnerships and account management tools [7] Customer Experience - Positive client feedback highlights Lear Capital's hands-on customer service, market insights, and educational resources, which are particularly beneficial for newcomers to precious metals investing [7]

Core Insights - IRAEmpire.com has published a detailed analysis of customer reviews and industry sentiment regarding Lear Capital, a prominent player in the precious metals IRA market [1][2]. Group 1: Customer Sentiment - The report titled "Lear Capital Reviews: What Real Customers Are Saying" aggregates and examines hundreds of verified reviews, complaints, and testimonials from major platforms such as Trustpilot, BBB, and ConsumerAffairs [2]. - It highlights trends in customer satisfaction, common pain points, and the company's responsiveness to investor concerns [2]. Group 2: Market Context - The release of this report aligns with IRAEmpire's mission to provide transparent and unbiased analysis in the self-directed retirement space, particularly as gold IRAs become more popular amid market volatility and inflation concerns [3]. Group 3: Company Overview - IRAEmpire.com is an independent online platform that offers reviews, comparisons, and analysis of IRA providers, gold investment firms, and retirement planning strategies, gaining trust from thousands of readers each month for its data-driven approach [4].

Core Insights - The article emphasizes the importance of investing in companies with sustainable business models and growth potential to secure a comfortable retirement, as many Americans feel underfunded for their retirement [1][2]. Company Analysis Amazon - Amazon is a leading player in North American e-commerce, controlling approximately 40% of the market [4]. - The company's cloud computing division, Amazon Web Services, generates about 60% of its total earnings, despite e-commerce accounting for only 16% of total revenue [5]. - Amazon has consistently achieved double-digit sales growth and is expected to maintain this trend due to its adaptability and willingness to enter new business lines [7][9]. - The company has diversified its revenue streams, including over $56 billion in advertising revenue, which surpasses the combined operating profit of its e-commerce segments [8]. Uber Technologies - Uber is capitalizing on a cultural shift away from car ownership, with a significant decline in the number of licensed drivers aged 16 to 19, dropping from 65% in 1995 to about one-third today [11]. - The ride-hailing market is projected to grow at an average annualized rate of over 11% through 2033, driven by declining car ownership [12]. - Uber's delivery revenue grew 22% to nearly $3.8 billion in Q1, now representing over 30% of its total revenue [14]. American Express - American Express operates its own payment network and issues credit cards, providing it with operational advantages over competitors like Visa and Mastercard [16]. - The company focuses on a rewards program that attracts affluent customers, who are less likely to reduce spending during economic downturns [17][18]. - While American Express may not show double-digit growth, it offers consistent revenue and profit growth, supporting dividends and stock buybacks, which have historically outperformed the S&P 500 over the past 30 years [19][20].

Core Thesis - S&P Global is positioned as a retirement asset, allowing investors with a 5-10 year investment horizon to withdraw 10% annually while maintaining capital integrity regardless of entry points [1] Company Expertise - The analysis is conducted by a stock analyst with over 20 years of experience in quantitative research, financial modeling, and risk management, focusing on equity valuation, market trends, and portfolio optimization [1] - The analyst has a background as a former Vice President at Barclays, leading teams in model validation, stress testing, and regulatory finance, indicating a strong foundation in both fundamental and technical analysis [1] Research Approach - The research is co-authored with a partner, combining complementary strengths to provide high-quality, data-driven insights [1] - The approach emphasizes rigorous risk management alongside a long-term perspective on value creation, with a focus on macroeconomic trends, corporate earnings, and financial statement analysis [1]