iREIT+HOYA Capital is the premier income-focused investing service on Seeking Alpha. Our focus is on income-producing asset classes that offer the opportunity for sustainable portfolio income , diversification , and inflation hedging . Get started with a Free Two-Week Trial and take a look at our top ideas across our exclusive income-focused portfolios.Taking calculated risks, rather than avoiding risk altogether, is key to investment success. For example, yield from Treasury bonds is often referred to as t ...

iREIT+HOYA Capital is the premier income-focused investing service on Seeking Alpha. Our focus is on income-producing asset classes that offer the opportunity for sustainable portfolio income , diversification , and inflation hedging . Get started with a Free Two-Week Trial and take a look at our top ideas across our exclusive income-focused portfolios.European stocks had a banner year in 2025, as this region was simply too beaten down and value could no longer be ignored. While American investors may be sk ...

Core Insights - Coeur Mining, Inc. (CDE) and First Majestic Silver Corp. (AG) are well-positioned to benefit from the strong upcycle in gold and silver markets [1] - Both companies are experiencing favorable industry trends, including rising precious-metal prices driven by inflation hedging, central-bank buying, and geopolitical uncertainty [4] Coeur Mining (CDE) - Coeur Mining focuses on silver and gold production in North America, with key assets in the U.S. and Canada, and has improved margins and cash flow due to higher metal prices and operational optimization [2] - In Q3 2025, Coeur reported record production of 111,364 ounces of gold and 4.8 million ounces of silver, with revenues reaching $555 million, reflecting a 15% increase in silver prices and a 4% increase in gold prices [5][11] - The Las Chispas mine acquisition significantly contributed to Coeur's growth, producing 1.6 million ounces of silver and 16.5 thousand ounces of gold in Q3 2025 [6] - Coeur's flagship assets, Rochester and Palmarejo, are expected to support a total production of 392,500–438,000 ounces of gold and 17.1–19.2 million ounces of silver in 2025 [7] - As of September 2025, Coeur's cash and cash equivalents were approximately $266 million, with a debt-to-capital ratio of 10.5% and free cash flow of about $189 million in Q3 [8] First Majestic Silver Corp. (AG) - First Majestic, primarily focused on silver with growing gold exposure, reported a record production of 3.9 million ounces of silver in Q3 2025, a 96% year-over-year increase [9] - The Los Gatos Silver Mine, acquired in 2025, was a key contributor, producing 2.13 million silver-equivalent ounces during the quarter [10] - Overall, First Majestic produced 7.7 million silver-equivalent ounces in Q3 2025, with significant contributions from San Dimas and other properties [12][13] - At the end of September 2025, First Majestic's cash and cash equivalents were around $575 million, with a debt-to-capital ratio of 6.9% and free cash flow of about $55 million in Q3 [14] Price Performance & Valuation - CDE stock has increased by 104.2% over the past six months, while AG stock has risen by 99.8% [15] - CDE is trading at a forward 12-month sales multiple of 4.38X, compared to AG's 7.68X [16] Earnings Estimates - The Zacks Consensus Estimate for CDE's fiscal 2025 sales implies a year-over-year growth of 96%, with EPS suggesting a 322.22% rise [19] - For AG, the fiscal 2026 sales and EPS estimates imply year-over-year increases of 87% and 279%, respectively [21] Comparative Analysis - CDE is viewed as the stronger overall pick due to its balanced gold-and-silver portfolio, operational execution, and stronger earnings visibility, alongside disciplined cost management and improved balance-sheet profile [23] - CDE holds a Zacks Rank of 1 (Strong Buy), while AG has a Zacks Rank of 3 (Hold) [24]

Group 1 - The traditional method of relying solely on bank deposits for asset appreciation is becoming unrealistic due to the downward trend in market interest rates, leading to lower bank deposit returns [2] - Three alternative asset options are suggested that have been proven to be relatively stable and yield better returns than current and short-term deposits [2] - Money market funds, such as "baby products," have a median seven-day annualized yield of 1.24%, with top funds like Tianhong Yu'ebao maintaining around 1.014%, providing a potential return of approximately 1,000 to 1,240 yuan for a 100,000 yuan investment over a year [2] Group 2 - Gold assets, including gold ETFs or physical gold, are recommended as a traditional hedge against uncertainty and inflation, with a suggested allocation of no more than 20% of idle funds, equating to 20,000 yuan for a 100,000 yuan investment [3] - The demand for gold typically increases during global economic uncertainty and geopolitical conflicts, supporting gold prices [3] - Caution is advised regarding short-term trading in gold due to price volatility, and a long-term holding strategy is recommended to avoid losses from short-term fluctuations [3] Group 3 - Mid to low-risk bank wealth management products are another option, with yields generally ranging from 2% to 3%, potentially generating returns of 2,000 to 3,000 yuan on a 100,000 yuan investment over a year [4] - It is important to understand that not all wealth management products labeled as mid to low risk are the same, as some may involve significant bond investments that carry slight volatility risks [4] - With increasing regulatory oversight, banks are now providing real-time updates on product net values, emphasizing the need for thorough understanding of product details before investing [4]

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] - The iREIT®+HOYA Capital service is designed for income-focused investing, providing opportunities for sustainable portfolio income, diversification, and inflation hedging [2][3] - The investment group aims to help investors achieve dependable monthly income and offers research on various income-focused portfolios [3]

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 investment group aims to help investors achieve dependable monthly income and provides research on various income-focused portfolios [3] Group 2 - The launch of the Nuveen Growth Opportunities ETF (NUGO) was motivated by the demand for ETFs, particularly among retired investors [3] - The group provides strategies for trading options with a focus on cash-secured puts, catering to long-only investors [3]

With a focus on REITs, ETFs, Preferreds, and 'Dividend Champions' across asset classes, members gain complete access to our research and our suite of trackers and portfolios targeting premium dividend yields up to 10%.iREIT®+HOYA Capital is the premier income-focused investing service on Seeking Alpha. Our focus is on income-producing asset classes that offer the opportunity for sustainable portfolio income, diversification, and inflation hedging. Get started with a Free Two-Week Trial and take a look at ou ...

With a focus on REITs, ETFs, Preferreds, and 'Dividend Champions' across asset classes, members gain complete access to our research and our suite of trackers and portfolios targeting premium dividend yields up to 10%.iREIT®+HOYA Capital is the premier income-focused investing service on Seeking Alpha. Our focus is on income-producing asset classes that offer the opportunity for sustainable portfolio income, diversification, and inflation hedging. Get started with a Free Two-Week Trial and take a look at ou ...

Group 1: Gold IRA and Investment Opportunities - Priority Gold offers a 100% free rollover for converting existing IRAs into gold IRAs, along with free shipping and storage for up to five years, and qualifying purchases can receive up to $10,000 in free silver [1] - A gold IRA is highlighted as a viable option for building retirement funds with an asset that hedges against inflation [2] - First National Realty Partners (FNRP) allows accredited investors to diversify their portfolios through grocery-anchored commercial properties with a minimum investment of $50,000, providing essential goods to communities [12][13] Group 2: Financial Planning and Budgeting - The five years leading up to retirement are considered critical for financial planning, emphasizing the importance of understanding current financial standings [6] - Developing a budget is essential for tracking retirement savings and ensuring financial readiness for retirement [8] - Apps like Rocket Money can assist in managing budgets by tracking expenses and negotiating lower rates on monthly bills, potentially saving hundreds annually [9] Group 3: Healthcare and Long-term Care Planning - Healthcare expenses are projected to be significant in retirement, with a 65-year-old estimated to spend around $172,500 on healthcare and medical expenses throughout retirement [17] - Long-term care insurance options are available to cover costs associated with in-home assistance, nursing homes, or assisted living facilities, which can deplete retirement funds if not planned for [19]

Commodity Outlook Summary Industry Overview - The report focuses on the commodities sector, highlighting trends and forecasts for various commodities including precious metals, industrial metals, energy, and agricultural products [1][2][3][10]. Key Themes and Forecasts 1. **Strong Performance Expected in 2026** - Commodities are projected to have another strong performance year, with the ICE MLCX TR index up 6% year-to-date, driven by gains in precious and industrial metals [1]. - Global GDP is forecasted to expand by 3.3% in 2026, with inflation expected to remain sticky at 2.9% [1][10]. 2. **Gold and Silver Outlook** - Gold prices could potentially reach $5,000/oz due to central bank and investor buying, supported by fiscal and monetary policy uncertainty [6][10]. - Silver demand may face headwinds from solar PV technology, but overall, both metals are expected to benefit from geopolitical risks and inflation expectations [2][10]. 3. **Industrial Metals Demand** - Industrial metals are expected to remain tight, with copper and aluminum likely to benefit from supply disruptions and stockpiling [2][10]. - The report anticipates a deficit in copper due to limited mine projects and outages at major mines [41]. 4. **Energy Sector Dynamics** - Oil prices are expected to average $60/bbl for Brent and $57/bbl for WTI in 2026, with a surplus in the oil market due to excess supply from OPEC+ [10]. - Geopolitical risks, particularly from Venezuela and the Russia-Ukraine conflict, could tighten the oil market despite the overall bearish outlook [2][10]. 5. **Agricultural Commodities** - A bearish outlook is maintained for wheat and soybean meal, while soybean oil is expected to see substantial upside due to strong demand [2][10]. - Agricultural commodities are influenced by robust supply growth and subdued demand, particularly in the context of ongoing geopolitical tensions [2][10]. Additional Insights - **Strategic Inventory Accumulation** - Strategic inventory accumulation, particularly by China, is expected to continue, supporting both energy and metals markets despite overall demand and balance conditions [52][53]. - The report notes that stockpiling has been influenced more by trade policy than geopolitical strategy in the metals sector [53]. - **Diversification and Inflation Hedging** - Commodities are increasingly viewed as essential for diversification and inflation hedging in investment portfolios, especially under current macroeconomic conditions [3][10]. - The report suggests that commodities could provide a unique hedge to traditional 60/40 portfolios amid rising inflation and geopolitical risks [3][10]. - **Market Risks and Opportunities** - Upside risks for commodities include potential geopolitical shocks and renewed demand from sectors like AI and defense spending, which could support industrial metals [41][10]. - Conversely, downside risks stem from excess supply in energy markets and potential economic slowdowns affecting demand [2][10]. Conclusion - The commodities sector is poised for a strong performance in 2026, driven by various macroeconomic factors, strategic inventory accumulation, and ongoing geopolitical uncertainties. Investors are encouraged to consider commodities for diversification and as a hedge against inflation.