Core Insights - Gen Z's ideal retirement age is 59, but they expect to retire at 67, indicating a significant gap between aspiration and expectation [2][4] - Millennials desire to retire at age 61, yet anticipate retirement at age 69, reflecting a similar trend across generations [3][4] Retirement Preparedness - Gen Z and Millennials show the highest proportion of individuals considered prepared for retirement compared to older generations [5] - Increased access to defined contribution plans like 401(k)s has improved retirement savings potential for younger generations compared to Baby Boomers [5][8] 401(k) Plan Features - Recent legislative changes have allowed for automatic investment in qualified default investment alternatives (QDIAs) within 401(k) plans, simplifying the investment process for employees [6][7] - The design of 401(k) plans has evolved, making it easier for younger individuals to save for retirement [6][8] Impact of Early Saving - Early saving significantly benefits younger generations due to a longer investment horizon and the advantages of compound interest [8] - A hypothetical scenario illustrates that a 25-year-old investing $500 monthly at an 8% annual return could accumulate over $1.6 million by age 65, compared to approximately $286,000 for someone starting at age 45 [9]

Core Insights - Warren Buffett's name is synonymous with Berkshire Hathaway, but he also holds a separate portfolio of ETFs managed by New England Asset Management [1][2][3] - Buffett is expected to retire soon, with Greg Abel set to take over, although Buffett will remain involved as chairman and controlling shareholder [2] - The upcoming Q4 2025 13F report will be the last one under Buffett's leadership as CEO [2] ETF Portfolio Overview - The ETFs in Buffett's secret portfolio include iShares Core MSCI EA (IEFA), Vanguard High Dividend Yield Index Fund ETF (VYM), and iShares Core MSCI International Developed Markets ETF (IDEV) [1][3] - The top two holdings in the portfolio are SPDR S&P 500 ETF Trust (SPY) and Vanguard S&P 500 ETF (VOO), which together account for a 16.13% exposure to the S&P 500 [4] iShares Core MSCI EA (IEFA) - IEFA provides exposure to developed-market stocks outside the U.S. and Canada, tracking the MSCI EAFE IMI Index [6] - It has outperformed both the S&P 500 and Nasdaq-100 year-to-date, with a gain of 27.8% and a dividend yield of 3.5% [8] - New England Asset Management allocates 6.37% of its portfolio to IEFA, valued at $48.7 million, with a 35.23% increase in holdings in Q3 [8] Vanguard High Dividend Yield Index Fund ETF (VYM) - VYM tracks the FTSE High Dividend Yield Index, focusing on U.S. stocks with above-average dividend yields [9] - It has increased by 13.74% over the past year, with a dividend yield of 2.41% and an expense ratio of 0.06% [10][11] - VYM constitutes 4.62% of NEAM's portfolio, valued at $35.37 million, with a 1.77% increase in holdings in Q3 [11] iShares Core MSCI International Developed Markets ETF (IDEV) - IDEV targets developed markets internationally, tracking an MSCI "World ex USA" index, including Canada [12] - It has gained 28.6% year-to-date, with a lower expense ratio of 0.04% and a dividend yield of 3.38% [12] - IDEV makes up 4.41% of NEAM's portfolio, valued at $33.72 million, with a 30.1% increase in holdings in Q3 [13]

Group 1 - The article discusses the financial journey of former Goldman Sachs analyst Sam Dogen, who sold a significant portion of his investments to purchase a home, resulting in a loss of approximately $150,000 annually in passive income [1][2] - Dogen's decision to invest in real estate was driven by a fear of missing out (FOMO), which he later regretted as it led to being "house-rich and cash-poor" [2][3] - After realizing the impact of his investment choices, Dogen returned to work briefly but ultimately decided against seeking another job, managing to save around $40,000 in the process [3] Group 2 - The article highlights alternative ways to earn passive income through real estate without direct ownership, such as investing in shares of vacation homes or rental properties via platforms like Arrived [4] - Arrived allows investors to participate in real estate markets with minimal initial investment, starting from as little as $100, and offers the potential for quarterly dividends [5] - The platform is backed by notable investors, including Jeff Bezos, and focuses on properties selected for their appreciation and income generation potential [5]

SDI Productions / Getty Images Indeed, while more than 80% of Americans in their 60s are invested in retirement plans, only about 35% have brokerage accounts. Key Takeaways For people in their 60s, retirement accounts typically hold more than $300,000 in stocks on average—but the median balance is closer to about $100,000. Taxable brokerage accounts vary widely, but industry data show engaged near-retirees often hold low- to mid-six-figure balances. As retirement nears, many wonder if their investme ...

Core Viewpoint - AGF Investments Inc. has announced the final cash distributions and annual reinvested capital gains distributions for its ETFs for December 2025, with payments scheduled for December 31, 2025, and January 7, 2026 [1][2]. Distribution Details - Unitholders of record on December 31, 2025, will receive cash distributions and reinvested capital gains distributions, with taxable amounts reported in early 2026 [2]. - The annual reinvested capital gains distributions represent realized capital gains within the ETFs and will be reinvested rather than paid in cash, affecting the unitholder's adjusted cost base [3]. Cash and Reinvested Capital Gains Distribution Amounts - The final cash and reinvested capital gains distribution amounts per unit for various AGF ETFs are as follows: - AGF Emerging Markets ex China: Cash $0.234850, Reinvested $0.260988 - AGF Enhanced U.S. Equity Income: Cash $0.179707, Reinvested $0 - AGF Global Real Assets Fund: Cash $0.594638, Reinvested $0 - AGF Global Sustainable Growth: Cash $0.032429, Reinvested $0 - AGF Systematic Global ESG Factors: Cash $0.657506, Reinvested $0 - AGF Systematic Global Infrastructure ETF: Cash $0.342613, Reinvested $0.353686 - AGF Total Return Bond Fund: Cash $0.095168, Reinvested $0 - AGF US Market Neutral Anti-Beta: Cash $0, Reinvested $0 - AGF U.S. Small-Mid Cap Fund: Cash $0, Reinvested $0 [4]. Company Overview - AGF Management Limited, founded in 1957, is an independent asset management firm with over $60 billion in total assets under management, serving more than 815,000 investors [8][10]. - AGF Investments is a group of subsidiaries under AGF Management Limited, managing mutual funds in Canada [11][12].

Core Viewpoint - Manulife Investments announced the final cash distributions for its ETFs and ETF series of mutual funds for December 2025, with payments scheduled for January 15, 2026 [1]. Distribution Details - The cash distribution amounts per unit for various Manulife ETFs are as follows: - Manulife Smart Short-Term Bond ETF (TERM): C$0.025324, Monthly - Manulife Smart Core Bond ETF (BSKT): C$0.022317, Monthly - Manulife Smart Corporate Bond ETF (CBND): C$0.027779, Monthly - Manulife Smart Global Bond ETF (GBND): C$0.022743, Monthly - Manulife Smart Enhanced Yield ETF (CYLD): C$0.160000, Monthly - Manulife Smart U.S. Enhanced Yield ETF – Unhedged (UYLD.B): C$0.160000, Monthly - Manulife Smart U.S. Enhanced Yield ETF – US Dollar (UYLD.U): C$0.160000*, Monthly - Manulife Smart U.S. Enhanced Yield ETF – Hedged (UYLD): C$0.160000, Monthly - Manulife Smart Enhanced Yield Bond ETF– Unhedged (BYLD.B): C$0.116674, Monthly - Manulife Smart Enhanced Yield Bond ETF – Hedged (BYLD): C$0.115931, Monthly - Manulife Global Edge ETF (GEDG): C$0.001234, Quarterly - Manulife Smart Dividend ETF (CDIV): C$0.132244, Quarterly - Manulife Smart U.S. Dividend ETF – Unhedged (UDIV.B): C$0.102016, Quarterly - Manulife Smart U.S. Dividend ETF – Hedged (UDIV): C$0.094651, Quarterly - Manulife Smart U.S. Dividend ETF – US Dollar (UDIV.U): C$0.076214*, Quarterly - Manulife Smart International Dividend ETF – Unhedged (IDIV.B): C$0.111599, Quarterly - Manulife Smart Global Dividend ETF Portfolio (GDIV): C$0.093047, Quarterly - Manulife Smart Defensive Equity ETF (CDEF): C$0.202209, Semi-Annual - Manulife Smart U.S. Defensive Equity ETF – Unhedged (UDEF.B): C$0.078236, Semi-Annual - Manulife Smart U.S. Defensive Equity ETF – Hedged (UDEF): C$0.063902, Semi-Annual - Manulife Smart U.S. Defensive Equity ETF – US Dollar (UDEF.U): C$0.083723*, Semi-Annual - Manulife Smart International Defensive Equity ETF – Unhedged (IDEF.B): C$0.175154, Semi-Annual - Manulife Multifactor Canadian Large Cap Index ETF (MCLC): C$0.500360, Semi-Annual - Manulife Multifactor U.S. Large Cap Index ETF – Unhedged (MULC.B): C$0.347524, Semi-Annual - Manulife Multifactor U.S. Large Cap Index ETF – Hedged (MULC): C$0.266310, Semi-Annual - Manulife Multifactor U.S. Mid Cap Index ETF – Unhedged (MUMC.B): C$0.282933, Semi-Annual - Manulife Multifactor U.S. Mid Cap Index ETF – Hedged (MUMC): C$0.250437, Semi-Annual - Manulife Multifactor Developed International Index ETF – Unhedged (MINT.B): C$0.917531, Semi-Annual - Manulife Multifactor Developed International Index ETF – Hedged (MINT): C$0.742856, Semi-Annual - Manulife Multifactor Canadian SMID Cap Index ETF (MCSM): C$0.426010, Semi-Annual - Manulife Multifactor U.S. Small Cap Index ETF – Unhedged (MUSC.B): C$0.164171, Semi-Annual - Manulife Multifactor U.S. Small Cap Index ETF – Hedged (MUSC): C$0.139439, Semi-Annual - Manulife Multifactor Emerging Markets Index ETF – Unhedged (MEME.B): C$0.415626, Semi-Annual - Manulife Strategic Income Fund – ETF Series (STRT): C$0.030746, Monthly - Manulife Core Plus Bond Fund – ETF Series (MCOR): C$0.032697, Monthly - Manulife Dividend Income Fund – ETF Series (MDIF): C$0.012902, Monthly - Manulife Alternative Opportunities Fund – ETF Series (OPPS): C$0.034416, Monthly - Manulife Strategic Income Plus Fund – ETF Series (PLUS): C$0.039899, Monthly - Manulife Fundamental Equity Fund – ETF Series (MFUN): C$0.025530, Quarterly [1]. Company Overview - Manulife Financial Corporation is a leading international financial services provider, operating globally under the Manulife brand in Canada, Asia, and Europe, and as John Hancock in the United States [6]. - The company provides financial advice, insurance, and investment services to over 36 million customers, supported by more than 37,000 employees and over 109,000 agents [6].

Billionaire investor Ray Dalio issued a stark warning regarding the future of global finance during a recent address at the Oxford Union, asserting that all major fiat currencies are “in trouble” due to unsustainable debt loads.The Mechanics Of DevaluationThe Bridgewater Associates founder predicts the world is entering a period of significant currency devaluation comparable to the 1930s and 1970s.Dalio's central thesis rests on the concept that “money is debt.” He explained to the Oxford audience that fiat ...

Core Viewpoint - MetLife Investment Management has successfully acquired PineBridge Investments, enhancing its asset management capabilities and aligning with its New Frontier strategy to accelerate growth in this sector [1] Group 1: Acquisition Details - The acquisition of PineBridge Investments allows MetLife to combine its institutional strength and scale with PineBridge's global reach [1] - The combined entity will manage a total of $734.7 billion in assets, serving clients worldwide [1]

Stock performance chart of Strive (ASST) alongside Bitcoin imagery representing a proposed corporate treasury merger. Photo by BeInCrypto Semler Scientific (SMLR) and Strive Asset Management (ASST) are poised to create one of the largest corporate Bitcoin treasuries in the US. If approved by shareholders on January 13, 2026, the all-stock merger would combine the two companies’ operations to manage approximately 13,000 BTC, instantly ranking the new entity among the top 11 public companies by Bitcoin hold ...

天眼查App显示，12月26日，河南资产管理有限公司发生工商变更，注册资本由60亿人民币增至70亿人 民币，增幅约17%，同时，多位高管发生变更。该公司成立于2017年8月，法定代表人为成冬梅，经营 范围包括投资及资产管理、私募基金管理、股权托管管理等，由河南投资集团有限公司、国投资产管理 有限公司、中原高速（600020）等共同持股。 ...