Market volatility is picking up. How to use option spreads to protect and maximize returns

Stock returns aren’t normally distributed. Very small daily returns occur more frequently than a normal distribution would suggest, and very large daily returns also occur more frequently than a normal distribution would suggest. The “average” move, perhaps unintuitively, occurs less frequently than a normal distribution would imply. If this doesn’t make sense, imagine a room […]

Mutual fund capital gains payouts are coming. Here’s how to avoid it

Violetastoimenova | E+ | Getty Images LAS VEGAS — As 2025 winds down, many investors are bracing for year-end mutual fund distributions, which can trigger a hefty tax bill for assets held in a taxable brokerage account. But there are strategies to avoid the payout, experts say.    For 2025, “you’ve got some pretty eye-watering numbers,” […]

How to pick a plan as health insurance premiums rise

A poster reads “Affordable Care Act Premiums Will Rise More Than 75%” as Senate Minority Leader Chuck Schumer (D-NY) (2nd-L), accompanied by Sen. Jeanne Shaheen (D-NH) (L), speaks at a news conference to call on Republicans to pass Affordable Care Act tax breaks on Capitol Hill on Sept. 16, 2025 in Washington, DC. Andrew Harnik […]

These inherited IRA mistakes could reduce your windfall, advisors say

Juanma Hache | Moment | Getty Images While many investors welcome a windfall, the rules for inherited individual retirement accounts are complicated — and mistakes can be costly.    Since 2020, certain inherited accounts are subject to the “10-year rule,” and heirs must empty the balance by the 10th year after the original account owner’s death.   […]

Apple gave up its earnings pop. How to trade it from here

Just days after long time tech darling surpassed $4 trillion in market cap, Apple delivered an earnings report that beat on both the top and bottom. However, the reason we saw shares jump by over 4% in after-hours was due to CEO Tim Cook’s robust guidance on future iPhone 17 sales forecasts. After Apple opened […]

How to generate income into year-end with Fed lowering rates

With the Federal Reserve announcing another rate cut on Wednesday, investors may be looking for fresh income opportunities. The Federal Open Market Committee said it was slashing the federal funds rate by 25 basis points, or a quarter percentage point. Yields on short-dated assets, like money market funds and Treasury bills, are expected to follow. […]

How to create a plan

Even as a record number of Americans are reaching retirement age, many adults have not considered the impact that inflation and Social Security benefits will have on their financial future.  A new global survey by Prudential found 89% of wealthy U.S. adults polled said they are confident they’d be able to cover essential costs in […]

How to tackle private credit’s ‘cockroaches’ as contagion fears build

Key Points J.P. Morgan CEO Jamie Dimon warned last week of “cockroaches” lurking in private markets. Private markets have come into sharper focus following the recent high-profile collapses of First Brands and Tricolor in the U.S. As central banks turn their attention to the sector, investors say closer analysis and active portfolio management are more […]