Many people spend years building their nest egg but forget one small form that could undo it all: the beneficiary designation. A single outdated name on your IRA or 401(k) can send your life savings to the wrong person, even if your will says otherwise. You should know that retirement accounts follow their own rules, and do not follow your will. For this reason, it’s possible to disinherit the people you meant to protect. Here’s why you need to review your beneficiary designations and ensure your retire ...

AGNC Investment's dividend yield is more than twice as large as Realty Income's, but the lower yield could still be the better choice.One of the big risks for dividend lovers is focusing too much on yield. A great example of the problem here comes from comparing ultra-high AGNC Investment (AGNC +0.09%) and its 13.5% dividend yield to Realty Income (O +0.04%) and its 5.7% yield. AGNC Investment isn't a bad company, per se, but Realty Income is likely to be the better dividend stock if you are trying to live ...

SMR nuclear stocks may use uranium for energy in the future -- but they're burning cash already today.Nuclear power stocks went on a tear in 2025, with the Global X Uranium ETF (URA 1.46%), for example, rising an incredible 72% year to date, crushing the return of the S&P 500. Much of the credit for this performance goes to President Trump, who signed four executive orders in May promoting American nuclear power as a means of supplying artificial intelligence (AI) data centers with the electricity they need ...

My last call on Bank of America ( BAC ) was Hold back when the stock traded at $48.74 in July. Now it’s at $56.25, near its highest price all year, after climbing 15%. Since then, BAC hasWith over 15 years of experience in the markets and a degree in economics, I focus on breaking down companies with clarity and discipline. My goal is to give individual investors a straightforward, honest view—what’s working, what isn’t, and where the risks and opportunities actually are. I don’t chase narratives. I follow ...

公司服务与产品 - 公司即将发布2026年的顶级投资精选标的 客户现在加入即可立即获取这些投资机会 [1] - 公司每年投入数千小时及超过10万美元的研究成本 用于寻找最具盈利潜力的投资机会 并以远低于成本的价格向客户提供高收益策略 [1] 市场反馈与客户认可 - 公司的研究方法已获得约200条五星好评 来自已获益的满意会员 [2]

公司进展 - Mineralys已成功渡过三期临床试验的高风险阶段 目前正处于向商业化前组织过渡的时期 [1] 分析师背景与投资理念 - 分析师专注于高增长公司及具有指数级扩张潜力的行业 其专长在于理解和投资颠覆性技术及前瞻性企业 [1] - 分析师的投资方法是基本面分析与未来趋势预测相结合 相信创新能带来丰厚回报 [1]

These ten large-cap stocks were top performers last week. Are they a part of your portfolio?Rocket Lab Corporation (NASDAQ:RKLB) gained 15.5% this week after the company announced it launched its 21st Electron rocket of the year to deploy the latest satellite to space for multi-launch customer Institute for Q-shu Pioneers of Space. Also, Needham analyst Ryan Koontz maintained a Buy rating, raising the price forecast from $63 to $90.Also Read: Bill Ackman Warns California Is ‘On A Path To Self-Destruction’ A ...

宏观经济数据与市场日程 - 本周因元旦假期交易日缩短，债券市场将于周三下午2点提前收盘，股市在除夕日正常交易[1] - 2026年首个交易日为1月2日周五，历史表明强劲的12月和1月交易表现可为全年市场定调[2] - 本周无重要公司财报，市场焦点将集中在经济指标和报告上[3] 美联储政策与就业市场 - 周二将公布12月联邦公开市场委员会会议纪要，为1月下旬的会议提供政策线索[4] - 周三将发布周度失业金申请报告，反映劳动力市场状况，美联储在考虑下一步利率行动时密切关注就业数据[4] - 2025年4月至9月期间，美国经济平均每月可能减少20,000个工作岗位[4] 房地产市场指标 - 周一将公布11月成屋签约销售数据，反映在可负担性困境中未来销售水平[5] - 周二将发布10月标普凯斯-席勒房价指数，数据显示随着买家显现出承受力极限，房价增长正在放缓[5] 其他经济数据与事件 - 周二还将公布12月芝加哥商业晴雨表[9] - 2026年元旦当天，美国19个州将提高最低工资标准，另有3个州也将在年内上调[10]

文章核心观点 - 申领社会保障福利的最佳时机并非一刀切 需根据个人健康状况、财务状况、婚姻状况等因素综合决定[7] - 2026年社会保障相关规则将出现多项变化 包括更高的收入限额、2.8%的生活成本调整以及新的老年人税收减免[7] 申领时机决策因素 - 不应简单假设62岁或70岁是最佳申领年龄 数据显示仅约5%至7%的人等到70岁 而20%至25%的人在62岁申领[2] - 决策需考虑个人独特情况 对于已婚夫妇 应基于夫妻共同的终身福利进行规划和策略推演[3] - 需评估个人健康状况、是否继续工作以及是否需要这笔钱[3] - 对于夫妇 需考虑双方的工作历史以及遗属福利的重要性 若遗属福利重要 收入较高的一方应尽可能延迟申领[3] - 夫妇年龄差距是关键因素 若双方年龄相差5至10岁 年轻配偶在62岁申领可能有意义 因为他们可能在达到收支平衡点之前就开始领取遗属福利[4] - 决策时还需考虑是否有符合资格的未成年子女或残疾子女[4] 2026年社会保障规则变化 - 影响福利的收入限额有所提高 从23,400美元增至24,480美元 若未达完全退休年龄且收入超过此限额 每多赚2美元将扣减1美元福利[5] - 在达到完全退休年龄的当年 收入限额从62,160美元提高至65,160美元 每多赚3美元将扣减1美元福利[6] - 2026年将实施2.8%的生活成本调整[6] - 一项新的立法变化是增加老年人税收减免 从2025年开始 每位65岁或以上的纳税人可享受6,000美元的减免额 该减免从调整后总收入中扣除 用于计算应税收入[8] - 联合报税的夫妇可获得12,000美元的减免额 该减免可使用四年 最后使用年份为2028年 个人收入超过75,000美元、夫妇收入超过150,000美元时 减免额将逐步取消[9]

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.Investing in turnaround stocks can be a tricky landscape to navigate for the short term. However, it can be highly profitable when one takes a long-term view ...