Investment Platforms - Acorns offers a service that automatically rounds up purchases made with debit and credit cards, investing the spare change into a diversified portfolio of ETFs, making investing effortless for users [1] - Fundrise Venture Capital aims to build a portfolio of top private tech companies, allowing individuals to start investing with as little as $10 [5] Retirement Planning - Consistency in contributions to retirement accounts is emphasized as a key factor in building a nest egg, with a focus on giving money time in the market rather than trying to time it [2] - A report from the Transamerica Center for Retirement Studies indicates that 64% of surveyed individuals did not retire as planned, with 58% retiring earlier than intended, highlighting the importance of financial preparedness [3] Regrets of Retirees - Many retirees express regret over not retiring earlier while in good health, suggesting that planning for a fulfilling retirement is crucial [4] - A significant number of retirees wish they had spent more during their early retirement years on experiences, indicating a need for better financial planning to allow for spending [11] Health and Wellness - Retirees often regret not prioritizing their health earlier in life, with over 85% of older adults relying solely on Medicare having chronic health conditions, suggesting that healthier habits could prevent many illnesses [18][19] Financial Tools - Apps like Rocket Money can help individuals track their spending and manage subscriptions, which can aid in redirecting savings into retirement funds [15][17] - AARP offers resources and benefits related to healthcare and financial planning, potentially saving members thousands of dollars [20][21]

As volatility ripples through AI and tech stocks, investors are increasingly turning to stable dividend-paying stocks to diversify their portfolios and generate steady income. A dividend investor shared his income details and portfolio in December on r/Dividends, a community of income investors on Reddit. The investor, 57, said he recently retired and was making about $25,000 a month from a portfolio of eight stocks. He accelerated his retirement plan by taking significant profits from his tech stock in ...

Core Viewpoint - The article emphasizes the transformative power of successful investing, highlighting a personal journey from a working-class background to a career in financial services, and the importance of a disciplined investment strategy focused on quality and long-term growth [1]. Investment Strategy - The investment strategy includes investing in quality assets, diversifying the portfolio, adding to positions at opportune times, and maintaining a long-term focus [1]. - The pitfalls of chasing quick wealth and following advice without understanding are acknowledged as valuable lessons learned [1]. Portfolio Composition - The broad market investments include DIA, VOO, QQQM, and RSP, while sector and non-US investments feature XLE/IXC, IDU/BUI, FEZ, SCHF, and EWC/BBCA [1]. - Metal investments consist of CEF, SGOL, SLV, and XME, with stock investments in JPM, MCD, WMT, and MAA [1]. - Municipal bonds from NCI are also part of the investment group, contributing to managed income portfolios targeting approximately 8% yields [1]. CEF/ETF Income Laboratory - The CEF/ETF Income Laboratory specializes in macro analysis and offers managed income portfolios that focus on high-yield opportunities [1]. - Features include targeting safe and reliable yields, monthly-paying holdings for faster compounding, and steady income streams [1]. - Additional offerings include 24/7 chat support and trade alerts for investors of all experience levels [1].

Neils ChristensenNeils Christensen has a diploma in journalism from Lethbridge College and has more than a decade of reporting experience working for news organizations throughout Canada. His experiences include covering territorial and federal politics in Nunavut, Canada. He has worked exclusively within the financial sector since 2007, when he started with the Canadian Economic Press. Neils can be contacted at: 1 866 925 4826 ext. 1526 nchristensen at kitco.com @Neils_cShareDisclaimer: The views expressed ...

Financial Planning and Retirement - A financial plan is essential for retirees to ensure they are on track for a successful retirement and to optimize accounts like 401(k), IRA, and Health Savings Accounts for tax benefits [1][3] - A T. Rowe Price survey indicates that respondents with a formal financial plan have between two and four times more wealth upon retiring compared to those without a plan [2] - Nearly 50% of Americans make significant mistakes regarding Social Security, highlighting the importance of proper financial planning [3] Healthcare Costs - Fidelity estimates that a 65-year-old couple will spend approximately $12,850 on healthcare in their first year of retirement [6] - Medicare Part B premiums are set to increase nearly 10% in 2026, marking the largest single-year increase in four years [7] Investment Strategies - Diversifying portfolios can lead to better risk-adjusted returns, with non-U.S. equities providing an advantage over solely investing in the S&P 500 [10] - Investing in multifamily real estate is recommended as it may be less impacted by economic downturns compared to other asset classes [12] - Gold has surged over 70% in the past year, making it a viable option for wealth protection against market volatility [20] Alternative Investment Opportunities - Fundrise offers a venture capital product that allows investors to build a portfolio of private tech companies, with investments starting at just $10 [24] - Masterworks enables investors to buy fractional shares in high-value artworks, providing unique portfolio diversification with historical returns [29]

Accretive Transaction with Combined Companies’ Pro-Forma Revenue in Excess of $70.00 Million and EBITDA(1) in Excess of $15.75 Million (TTM Sept 30, 2025) MISSISSAUGA, Ontario, Feb. 09, 2026 (GLOBE NEWSWIRE) -- BioSyent Inc. (“BioSyent”, TSX Venture (TSXV): RX) announced today that it has entered into a Share Purchase Agreement (“SPA”) dated February 8, 2026 to acquire Oral Science Inc. (“Oral Science”), a privately-owned Canadian distributor of specialized healthcare products for dental hygiene and oral he ...

Core Insights - The logistics sector has seen significant engagement from investors, particularly in the ASEAN and US markets, highlighting its growth potential and diversification opportunities [1] Investment Focus - The company has diversified its investments across various sectors including banking, telecommunications, logistics, and hotels, indicating a strategic approach to portfolio management [1] - The entry into the US market in 2020 reflects a growing interest in international investment opportunities, particularly in sectors like banks, hotels, and logistics [1] Market Trends - The popularity of insurance companies in the Philippines since 2014 suggests a shift in investment preferences among local investors, moving towards more diversified financial products [1] - The trend of using platforms like Seeking Alpha for analysis indicates a growing reliance on data-driven insights for investment decisions in both the ASEAN and US markets [1]

Group 1 - iREIT+HOYA Capital focuses on income-producing asset classes that provide sustainable portfolio income, diversification, and inflation hedging [1][2] - The investment group targets high-yield, dividend growth opportunities, offering portfolios with dividend yields up to 10% [2] - The Dow Jones Industrial Average has recently surpassed the psychological level of 50,000, making it challenging to identify value stocks [2]

Core Insights - The iShares Core MSCI Emerging Markets ETF (IEMG) and the State Street SPDR Portfolio MSCI Global Stock Market ETF (SPGM) provide low-cost equity exposure but differ in geographic focus and risk profiles [1][2] Cost & Size Comparison - Both ETFs have an expense ratio of 0.09% - IEMG has a significantly higher one-year return of 38.07% compared to SPGM's 21.83% - IEMG offers a higher dividend yield of 2.75% versus SPGM's 1.89% - IEMG has an asset under management (AUM) of $138.8 billion, while SPGM has $1.3 billion [3] Performance & Risk Comparison - IEMG has a max drawdown of -37.11% over five years, while SPGM's is -25.92% - The growth of $1,000 over five years is $1,100 for IEMG and $1,570 for SPGM [4] Holdings and Sector Exposure - IEMG includes 2,672 holdings, focusing on large-, mid-, and small-cap equities in emerging markets, with a sector mix dominated by technology (27%) and financial services (21%) [5] - SPGM has nearly 3,000 holdings, blending developed and emerging markets, with significant exposure to technology (26%), financial services (17%), and industrials (12%) [6] Investment Implications - IEMG targets high-growth potential in emerging markets but carries higher risk and volatility [7] - SPGM offers a more stable investment option with exposure to both developed and emerging markets, providing greater diversification [8] - IEMG has shown significant short-term performance but has underperformed in five-year total returns, potentially due to volatility or the performance of major tech companies [9] - Investors seeking higher growth may prefer IEMG, while those desiring diversification might opt for SPGM [10]

Group 1 - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and 'Dividend Champions' that target premium dividend yields up to 10% [1][3] - iREIT®+HOYA Capital is highlighted as a premier income-focused investing service that offers sustainable portfolio income, diversification, and inflation hedging [2][3] - The recent market events include a significant drop in silver prices, marking its largest one-day decline since 1980, and gold experiencing its largest one-day dollar loss ever [3]