You can find original article here WealthManagement. Subscribe to our free daily WealthManagement newsletters. When advisor Natasha Howe was living in Los Angeles, a lot of the women in her friend group were social media influencers. One of her friends, model and influencer KT Lordahl, had a $250,000 check on her dresser. “She said, ‘I'll get to it one day,’ and I'm like, ‘What if it bounces? You have to cash that right away. If they gave you the check at the time when they have the funds there, and the ...

Kevin Warsh will be the new Fed Chairman, and the market’s reaction was a general sell-off, from bonds and cryptos to stocks and commodities. In particular, what caught everyone’s attention was the 30% drop in silver and the 10% drop for gold in a single day. WhilePassionate about geopolitics and macroeconomics, I express my opinion through my articles and enjoy engaging with all of you. I also write about companies that catch my attention, particularly those in my portfolio. For me, Seeking Alpha is a way ...

Core Viewpoint - Traders are on high alert for potential Japanese government intervention to stabilize the yen, with possible support from the US, as Prime Minister Sanae Takaichi indicated readiness to act against abnormal currency movements [1][4]. Group 1: Speculation of Intervention - Speculation regarding intervention has intensified after reports that the Federal Reserve Bank of New York contacted financial institutions about the yen's exchange rate [2]. - Michael Brown from Pepperstone Group noted that rate checks are often a precursor to intervention, suggesting the current administration has a lower tolerance for speculative foreign exchange moves compared to previous ones [3]. Group 2: Market Reactions - The yen experienced significant volatility, reversing a downward trend and gaining as much as 1.75% to 155.63 against the dollar, marking its largest one-day rally since August [3]. - Traders are advised to be cautious as the yen may trade near 155 against the dollar at the start of the week, following Takaichi's comments [5]. Group 3: Government Stance - Takaichi emphasized the government's commitment to address speculative and abnormal market movements, although she refrained from commenting on specific market conditions [4]. - Recent warnings from government officials have also included concerns about rising bond yields, which had reached record levels before retreating [5].

For all the recent buzz around fixed-income retirement solutions, bonds themselves are increasingly falling out of favor with some financial advisors. In their place, fixed-income ETFs are emerging as a popular alternative, offering a simple wrapper that sidesteps many of the clunky mechanics of owning individual bonds. According to a new report from Cerulli Associates, assets in taxable fixed-income ETFs have nearly doubled since 2020, up to nearly $2 trillion at the end of September. Over the same perio ...

Core Viewpoint - Ondo Finance has launched hundreds of blockchain-based financial assets on the Solana network, marking a significant expansion in the tokenization of traditional financial assets [1][2][4]. Group 1: Launch of Assets - Ondo Finance introduced over 200 assets, including stocks from major companies like NVIDIA and Microsoft, ETFs, treasury bonds, and precious metals on Solana [2][4]. - The assets were launched through the Jupiter Exchange, a decentralized finance protocol on Solana [3]. Group 2: Expansion of Offerings - This launch expands Ondo Finance's tokenized offerings beyond Ethereum and BNB Chain, where it already has over 200 traditional financial assets trading [4]. - The total value of all tokenized offerings on Ondo Finance exceeds $2 billion, indicating a robust market presence [4]. Group 3: Industry Context - The announcement follows the New York Stock Exchange's plans to develop a platform for trading and on-chain settlement of tokenized securities, highlighting a growing trend in the financial industry towards tokenization [5]. - The Solana network is recognized as a popular platform for decentralized finance, enhancing the visibility and accessibility of these new financial products [2].

Core Viewpoint - Charles Schwab Corporation is a leading U.S. brokerage firm that offers a wide range of financial services and investment products, competing with major firms like Fidelity and E*TRADE [1] Financial Performance - On January 21, 2026, Schwab reported earnings per share (EPS) of $1.39, slightly below the estimated $1.40, with revenue of approximately $6.34 billion, just under the expected $6.38 billion [2][6] - In 2025, Schwab's net income for the fourth quarter reached $2.5 billion, driven by a surge in brokerage activity as individual investors engaged in stock and ETF trading at unprecedented levels [3][6] Market Position and Valuation - Schwab has a price-to-earnings (P/E) ratio of approximately 22.52, indicating investor confidence in its earnings potential, while the price-to-sales ratio is about 6.86 [4][6] - The enterprise value to operating cash flow ratio is notably negative at -243.46, suggesting challenges in cash flow generation [4] - The company's debt-to-equity ratio stands at 0.56, indicating a moderate level of debt compared to equity, while the current ratio of 0.50 may suggest potential liquidity concerns [5]

Core Points - Roth IRAs allow tax-free withdrawals of contributions and earnings at retirement, provided five years have passed since the first contribution [1][4] - Beneficiaries of Roth IRAs do not owe taxes on inherited accounts, making them advantageous for estate planning [2] - Early withdrawals of investment earnings may incur income tax and a 10% penalty, although exceptions exist for certain qualified expenses [3][5] Contribution and Income Limits - In 2026, the contribution limit for Roth IRAs is set to increase to $7,500, with an additional catch-up contribution of $1,100 for individuals aged 50 and older [9] - Single filers can contribute to a Roth IRA if their modified adjusted gross income is below $153,000, with reduced contributions allowed up to $168,000; for married couples filing jointly, the limits are $242,000 and $252,000 respectively [16] Investment Options and Strategies - Roth IRAs can be used for a variety of investments, including stocks, mutual funds, and ETFs, which typically offer higher returns compared to traditional bank accounts [3][18] - The Roth IRA is a favorable option for rolling over funds from a Roth 401(k), allowing for broader investment choices without tax liabilities [8] Comparison with Traditional IRAs - Unlike traditional IRAs, Roth IRAs do not provide an upfront tax deduction, but allow for tax-free withdrawals in retirement [6][13] - Traditional IRAs have no income restrictions for contributions, but tax deductions are subject to income limits if the individual has a retirement plan at work [14][17]

Group 1 - The Conservative Income Portfolio offers timely investment picks focused on fixed income, aiming to provide the best ideas in the market for subscribers [1][2] - The investment group consists of analysts with over 40 years of combined experience, emphasizing capital preservation while generating income through options and fixed income strategies [2] - The Covered Calls Portfolio is designed for lower volatility income investing, while the fixed income portfolio targets securities with high income potential and significant undervaluation [2] Group 2 - The article does not disclose any stock or derivative positions in the companies mentioned, indicating a neutral stance from the analyst [3] - The company is long on the bonds mentioned in the article, suggesting a positive outlook on those specific investments [4]

Core Viewpoint - Bonds offering 4% yields are losing their purchasing power due to real inflation rates estimated between 6% to 12% [1] Group 1 - The current yield on bonds is insufficient to keep up with inflation, leading to a decrease in real returns for investors [1] - Celebrated economists highlight the disparity between nominal yields and actual inflation, indicating a potential risk for bond investors [1]

Core Insights - Euronext announced trading volumes for December 2025, highlighting its position as a leading European capital market infrastructure [1] Company Overview - Euronext operates across the entire capital markets value chain, including listing, trading, clearing, settlement, and custody services [2] - The company runs MTS, a prominent electronic fixed income trading market, and Nord Pool, the European power market [2] Market Position - As of September 2025, Euronext's regulated exchanges host over 1,700 listed issuers with a total market capitalization of €6.5 trillion, making it a significant player in debt and fund listings globally [3] - Euronext accounts for 25% of European lit equity trading, offering a diverse range of products including equities, FX, ETFs, bonds, derivatives, commodities, and indices [3] Recent Developments - In November 2025, Euronext acquired a majority stake in the Athens Stock Exchange (ATHEX), enhancing its pan-European market infrastructure [4]