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Is Now the Perfect Time to Buy Property in Australia?

Unknown business, investing, investors, real estate, real estate market

Ever since I joined Livewire, one of the frequent queries I've received from acquaintances and relatives is, "Is this a good time to purchase real estate?" Regardless of whether it’s their primary residence or an investment property, buying a house is a significant choice.

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 To evaluate whether it’s better to purchase now or wait, I consulted several industry professionals who helped break down and address this significant question by examining the following aspects:

<ul>
 <li>
 Market timing
 </li>
 <li>
 Affordability
 </li>
 <li>
 Price outlook
 </li>
 <li>
 Property types
 </li>
 <li>
 Geographic insights
 </li>
</ul>
<h2>
 1. Market Timing
</h2>

 Based on insights from real estate market analysts,
 
 Cameron Kusher
 
 The recently implemented interest rate reduction has brought stability to the real estate sector, notably in Sydney and Melbourne, where modest price increases have started to occur. Moving forward, he anticipates additional decreases in interest rates will quicken this pace.

<blockquote>
 
 If you can make your purchase now with ample inventory available and less competition from other buyers, even before interest rates decrease further, this approach likely makes the most sense.
 
</blockquote>

 
 Nathan Smith
 
 , mortgage broker and director of Birdie Wealth, notes that many prospective buyers have been sitting on the sidelines for the past 18 months, waiting for the right moment to enter the market.

<blockquote class="--standout">
 
 “The rate cut was certainly that sign, and we have seen a flood of buyers enter back into the market.”
 
</blockquote>

 Despite ongoing global economic instability,
 
 Melinda Jennison,
 
 The president of REBAA and a buyers' agent notes that Australia's real estate market is distinctly influenced by robust population expansion and a considerable shortage of newly constructed homes.


 
 Evan Thornley
 
 The co-founder and CEO of Longview Property Management also concurs that the primary factor behind rising house prices is population growth. He underscores that "essentially, what you purchase is far more significant than the timing of your purchase."

<blockquote>
 
 If you secure a significant piece of property—a 'RODWELL' (Robust Older Dwelling on Well-Located Land)—its value could readily increase twofold within a decade, even if bought amid a minor market uptick.
 
</blockquote>

 He adds further, "'In the meantime, an average property (such as a gleaming modern skyscraper flat) might not provide significant capital appreciation, regardless of how 'inexpensive' it appears at present.' He then explains that shifts in the trend of interest rates have a far stronger impact — driving purchasers to attempt outpacing future price hikes and sellers to delay listing their properties — which leads to a mismatch between supply and demand, consequently propelling prices higher."


 The agreement is evident — accurately predicting the market at the perfect time is almost unachievable, and present circumstances benefit those prepared to act immediately. This counts as a point in favor of taking action now.

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<h2 class="can-not-delete">
 
 2. Affordability
 
</h2>

 As soon as it was evident that rate increases had stopped, consumer confidence rose, and the sentiment got an additional uplift with the reduction of rates. This underscores the high sensitivity of Australian families to alterations in interest rates.

<blockquote>
 
 "Additional decreases in interest rates would boost borrowing ability—with every 25-basis-point adjustment, this capability can go up by approximately 2% to 2.5%. As individuals have greater access to loans and an increasing number of potential purchasers enter the market, we anticipate improved confidence leading to higher property values," explains Kusher.
 
</blockquote>

 He points out that the crucial question is whether increasing costs will negate these improvements in affordability. At present, he feels this outcome is improbable.


 Conversely, Jennison cautions about the possible drawbacks:

<blockquote>
 
 “Lower interest rates tend to lift buyer sentiment and increase borrowing capacity, making people feel more comfortable taking on debt. However, this can lead to increased demand, especially in supply-constrained markets, which can push prices higher and paradoxically worsen affordability over time.”
 
</blockquote>

 Smith highlights that present borrowing criteria involve substantial cushions, with applicants evaluated based on their capacity to manage loan payments at interest rates above 9%. Nevertheless, reduced interest rates might substantially alter purchase feasibility for numerous potential homebuyers.

<blockquote>
 
 A single or double interest rate reduction could boost their financial capability by anywhere from $30,000 to $100,000, which would definitely provide them with the opportunity to purchase their ideal house.
 
</blockquote>

 This rise in borrowing capacity might indicate that individuals who were once unable to afford the market may now actually get a opportunity to purchase.


 Thornley offers an additional viewpoint: although interest rates significantly affect borrowers with substantial mortgages—primarily first-time homeowners—in contrast, those upgrading properties valued at over $1.5 million generally depend more on their accumulated equity. This implies that these purchasers' capacity to buy new homes hinges more on the appreciation of their present property’s value rather than minor fluctuations in interest rates.


 Overall, this seems to be yet another advantage of purchasing now – as lower interest rates will boost lending ability and likely raise property values.

<h2 class="">
 
 3. Forecasted prices for 2025
 
</h2>

 Therefore, what’s the approach to stay ahead of market indicators? Kushner highlights the significance of monitoring key economic factors such as clearance rates and property prices, alongside the quantity of listings and the speed at which homes are being sold.


 Smith points out the significant demand from purchasers, especially in Sydney, who have been awaiting the ideal moment to buy.

<blockquote>
 
 We view 2025 as the chance for them to seize this opportunity. There has been a rise in inquiries regarding pre-approvals and from first-time buyers, leading us to anticipate that this will boost demand, resulting in higher property values.
 
</blockquote>

 Jennison predicts that property markets characterized by limited availability and comparatively higher affordability, where local purchasers aren’t overly strained financially, stand a greater chance of experiencing steady value increases.


 Thornley is straightforward: "Forecasting home values is an unwise pursuit... nonetheless, present signs point towards modest increases with variations between cities. Regardless, it's essential to concentrate on the fundamental aspects of a particular property over the long term."

<blockquote class="--standout">
 
 Once more, it’s about WHAT you purchase (a quality single property) rather than WHEN you purchase it (attempting to predict the market – including city trends).
 
</blockquote>

 Even though there are some drawbacks, this seems to add another point in the "pro" column.


 Given the information presented earlier, it appears that purchasing a property at this juncture might be advisable if you possess the means to do so. However, everyone understands that deciding to buy is merely part of the solution. Several additional elements come into consideration here.

<h2>
 
 4. Property types
 
</h2>

 Kusher thinks that although reduced interest rates will be advantageous for various kinds of properties, homes—especially those in more expensive regions—are likely to experience the most significant increases in value. This is due to the longstanding preference among individuals to purchase a house over other forms of real estate.


 Instead of concentrating on particular kinds of properties, Smith highlights the significance of grasping local demand. He points out that various regions have distinct requirements when it comes to real estate.

<blockquote>
 
 When discussing different property categories, it often boils down to the dynamics of supply and demand. The number of homes available is restricted, while numerous families urgently aspire to enter this sector.
 
</blockquote>

 I believe that standalone houses and bigger townhomes for those looking to downsize will consistently see high demand," he states. He points out that people buying in regional areas often value more space, whereas purchasers in urban centers might lean towards apartment living.


 Thornley further notes that large apartment complexes frequently sell based on stamp duty concessions or tax deductions for wear and tear rather than their potential as solid investments. "The cost of construction has skyrocketed, and the value of the land in these tower blocks is minimal, which means limited opportunities for appreciation. It’s best to steer clear of them. Additionally, student housing will likely face challenges due to decreases in international student numbers, and many cannot secure financing since they typically fall under 40 square meters, thus offering little room for significant gains," he explains.

<blockquote class="--standout">
 
 In conclusion, the sector that consistently excels is the one that capitalizes on true land shortage.
 
</blockquote>

 Jennison also notes that no particular property type excels in every market since their performance differs based on location.

<blockquote>
 There isn't a universal solution because understanding the specific local markets is crucial. The real estate landscape varies across different regions of Australia.
</blockquote>
<h2>
 
 5. Geographic insights
 
</h2>

 In 2024, the Australian real estate landscape presented contrasting scenarios: cities like Sydney, Melbourne, Hobart, and Canberra saw modest increases, whereas Brisbane, Adelaide, and Perth witnessed substantial price hikes reaching into double digits. As we look ahead to 2025, Kusher anticipates that Brisbane, Adelaide, and Perth will maintain their strong performance, primarily due to constrained availability which sustains high pricing in those regions.

<blockquote>
 
 There’s a high chance they will continue to outshine other markets primarily due to the limited supply of properties currently up for sale.
 
</blockquote>

 Smith observes a change in focus among real estate experts and purchasers, showing heightened interest in Sydney and especially Melbourne. Jennison suggests that although alterations in nationwide interest rates affect every city, localized economic elements like employment expansion, construction initiatives, and residential availability play a more crucial role in determining price fluctuations.

<blockquote class="--standout">
 
 We might still witness a two-tiered market dynamic in 2025.
 
</blockquote>

 She reinforces the view that both Brisbane and Adelaide will keep up their pace:

<blockquote>
 
 Brisbane, specifically, is drawing more focus because of the 2032 Olympics and the accompanying surge in infrastructure development. Despite some recent lagging performance, Melbourne might see a resurgence; however, governmental policies and supply factors continue to pose challenges.
 
</blockquote>

 Thornley also points out that all urban marketplaces operate in cycles, with local elements being the primary influencers on geographical demand. He mentions that many rural regions experienced significant growth during the pandemic period when numerous remote employees moved into these locations (take Byron Bay for instance). However, certain rural zones now confront potential risks since workers are returning to metropolitan centers. Additionally, their economic stability often relies significantly on specific industries such as farming, mining, or hospitality. Should these key sectors encounter difficulties, this could lead to fluctuations in real estate prices.

<blockquote>
 “
 
 If you truly comprehend those local factors, sticking with the major cities along the eastern seaboard—such as Sydney, Melbourne, and Brisbane—is still your safest choice. These locations see rising property values due to their varied economic activities and increasing populations over time.”
 
</blockquote>
<h2>
 
 Is it about finding the perfect timing, or securing the ideal property?
 
</h2>

 As the old saying goes, the ideal moment to invest in real estate was two decades ago. However, it genuinely appears that the second-best time would be right now.


 As interest rates decline, borrowing capabilities increase, and a market previously skewed by lack of supply is poised to reach balance (or possibly overcorrect), this appears to be an opportune moment for buyers that may not present itself again anytime soon.


 It might seem unusual to mention this, especially considering that national home values have reached an all-time high, yet for individuals with certain adaptability, whether it be regarding the kind of property or location, there are still numerous choices available.


 Therefore, conduct thorough research, understand your target market, and concentrate on prime locations with superior quality assets. Everything else is essentially beyond your influence.


 
 Are you considering purchasing a property this year? Share your thoughts in the section for comments down below.
 

<h2>
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</h2>
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Is Now the Perfect Time to Buy Property in Australia?

Unknown business, investing, investors, real estate, real estate market

Ever since I joined Livewire, one of the frequent queries I've received from acquaintances and relatives is, "Is this a good time to purchase real estate?" Regardless of whether it’s their primary r…

Should You Top Up Your Super Now or Later? Timing Matters for Your Retirement Nest Egg

Unknown investing, money, personal finance retirement, personal finance saving spending, saving money

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<div>
 
 Increasing your superannuation contributions can enhance your nest egg for retirement, yet with numerous pressing expenses vying for attention, it may not always be clear when it’s best to make additional payments into your fund.
 
 
 Based on ASIC's Moneysmart, someone who starts at age 30 by adding an additional $20 each week might end up with $50,000 more when they retire. Additionally, there are potential tax benefits associated with making extra superannuation contributions.
 
 
 However, securing funds to save can be challenging, particularly within today’s financial climate, and boosting contributions to your superannuation might not always be the best strategy.
 
 
 We consulted with two specialists to delve into when this approach is advantageous and assist you in grasping the possible advantages and disadvantages.
 
 <h4>
 First, cover the basics
 </h4>
 
 Kate McCallum serves as a financial advisor and is also one of the co-authors of The Joy of Money.
 
 
 According to Ms McCallum, if you find yourself in your 20s, 30s, or 40s, you may encounter significant financial pressures. These could involve paying rent, setting aside money for a home purchase, managing mortgage obligations, covering educational fees, and handling everyday living costs.
 
 
 If you're carrying consumer debts like credit card balances or personal loans, it makes more sense to focus on reducing those before increasing your superannuation contributions.
 
 
 This is due to the fact that the interest rates on these items are quite high, and clearing them off offers a guaranteed return.
 
 
 It's equally advisable to possess an
 emergency fund
 — preferably enough to cover at least 90 days of living costs.
 
 
 In addition to providing mental tranquility, this can also prevent the necessity of taking on debt for unforeseen costs.
 
 <h4>
 Why young individuals ought to ponder thoroughly before contributing additional funds to their superannuation.
 </h4>
 
 Ms McCallum emphasizes the importance of assessing your entire financial position and objectives prior to thinking about increasing your superannuation contributions.
 
 
 Significantly, the majority of individuals cannot withdraw their superannuation until they attain their preservation age, ranging from 55 to 60 years old, based on their birth date.
 
 
 Therefore, if you're 30 years old and decide to make a voluntary contribution to your superannuation, you might be tying up those funds for over three decades.
 
 
 Ms McCallum indicates that voluntary superannuation contributions tend to be more feasible for individuals above 45 years old, as they won't have to await fund access for too long.
 
 
 Rather than doing so, she recommends that young individuals concentrate on other important areas and depend on their employer's obligatory superannuation payments.
 
 
 "If you’re in your 20s, 30s, or possibly even into your early 40s, it’s sensible to let the super guarantee function as intended and allocate any extra cash flow to other areas, providing greater financial leeway," she explains.
 
 
 If you're looking to invest but also keep your funds accessible, consider doing so outside of your superannuation. You could choose to put the money into a managed fund instead.
 exchange-traded fund (ETF)
 instead.
 
 
 Alternatively, if you own a home with a mortgage, you might consider placing the funds into an offset or redraw account.
 
 <h4>
 How making voluntary superannuation contributions might assist you in reducing your tax burden
 </h4>
 
 You have the option to contribute "concessionally" to your super account by arranging a salary sacrifice with your employer or by directly transferring funds into your super account and then claiming a tax deduction.
 
 
 This approach may seem appealing since these contributions face a tax rate of just 15%, significantly lower compared to the 30% paid by individuals earning a typical salary in Australia.
 
 
 Therefore, as your earnings increase, contributing extra to your super becomes more appealing due to the increased tax advantage.
 
 <h4>
 Is it advisable to contribute to your superannuation when you're stepping back from work for a period?
 </h4>
 
 If you're stepping away from work due to having a child or providing care for another person, you may have concerns about your superannuation balance and whether you should make additional contributions.
 
 
 Even though you can continue adding to your super during these times, the lower income might lessen the possible tax advantages of making concessional contributions.
 
 
 If your income is less than $40,000 and you have a partner, this may apply to them as well.
 contribute to your superannuation on your behalf
 and apply for a tax refund of up to $540.
 
 
 Another approach some partners adopt is referred to as
 contribution splitting
 This includes transferring a portion of one partner’s superannuation contributions to their spouse.
 
 <h4>
 How contributing more to your superannuation can assist you in saving up for your first house.
 </h4>
 
 Although many individuals aren't able to access their superannuation until reaching their 60s, several exemptions do apply.
 
 
 The FHSS scheme enables first-time homebuyers to withdraw up to $50,000 in voluntary contributions along with their associated earnings, which can be used for a down payment.
 
 
 The scheme has
 complex rules
 Including aspects related to withdrawals, which is why it hasn’t gained much popularity. However, independent financial advisor Jacie Taylor suggests that this approach can be beneficial for individuals aiming to save for a deposit.
 
 
 "What a fantastic initiative this is, but unfortunately, it hasn’t gained enough awareness," Ms Taylor states.
 
 
 Remember that failing to buy a property after withdrawing funds from the scheme may result in tax penalties.
 
 <h4>
 You might have the option to increase your superannuation without making additional payments.
 </h4>
 
 If you can't make additional contributions, there are still various methods to ensure your superannuation is performing well for you.
 
 
 Ms. Taylor emphasizes the significance of examining how your superannuation is invested and the fees you're charged.
 
 
 Ms Taylor suggests that if you're younger, you might consider opting for higher growth investment options with your super, as these usually offer greater returns over an extended period.
 
 
 "This really matters for younger individuals," she states.
 
 
 If you're uncertain whether a voluntary super contribution strategy suits your needs, it may be beneficial to consult with a financial advisor or planner.
 
 
 The content of this article provides only general details. It would be wise to seek individualized professional guidance tailored to your specific situation.
 
</div>

Should You Top Up Your Super Now or Later? Timing Matters for Your Retirement Nest Egg

Unknown investing, money, personal finance retirement, personal finance saving spending, saving money

Increasing your superannuation contributions can enhance your nest egg for retirement, yet with numerous pressing expenses vying for attention, it may not always be clear when it’s best to make a…

2 Actively Managed ETFs That Dominated the S&P 500 in the Past Year

Unknown etfs, investing, investing company news, investing news, investors

<img data-document-id="cms/api/amp/image/AA1xZE3Z" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1xZE3Z.jpg"/>

 Even with the surge in popularity of passive investing, there remains an increasing appetite for actively managed exchange-traded funds (ETFs). Passive investment strategies focusing on index-based ETFs certainly have their appeal due to simplicity, effectiveness, and particularly because they keep expenses minimal. As numerous S&P 500 index ETFs continue pushing down their total expense ratios towards zero, now might be one of the best moments ever to adopt a more hands-off strategy.


 In essence, passively managed ETFs can be somewhat unremarkable and generally fail to captivate investors looking for ways to outperform the overall market. Moreover, actively managed ETFs might struggle to compete with their passively managed peers.


 Nevertheless, the costs associated with numerous actively managed ETFs aren’t excessively steep. Given the excitement of possibly outperforming the stock market each year, I believe certain actively managed ETFs deserve attention, particularly those offering accessible entry points.


 Certainly, relying solely on historical stock or fund performance will not help you identify a winning long-term investment. Regarding actively managed ETFs, even those with outstanding returns usually gravitate towards average performances over time. As such, an ETF that excelled last year cannot be counted upon to maintain its strong track record into this year.


 In either case, should you come across a fund whose approach appeals to you and charges fees below 1%, incorporating an active ETF into your investment mix could prove quite beneficial. This article will look at two actively managed ETFs that outperformed the S&P 500 over the past year and assess their prospects as we enter this fresh year.

<div class="keypoints-box">
 <h3 class="keypoints-header">
 Key Points
 </h3>
 <ul class="keypoints-list">
 <li class="keypoints-item">
 
 A number of Cathie Wood’s ARK funds experienced significant growth last year. Will she be able to maintain this superior performance compared to the S&P 500 throughout 2025?
 
 </li>
 <li class="keypoints-item">
 
 If you're searching for stocks with significant growth potential, be sure to obtain a complimentary copy of our report.
 
 fresh "The Upcoming NVIDIA" study
 
 It includes a software stock that we believe has the potential to increase tenfold.
 
 </li>
 </ul>
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<img data-document-id="cms/api/amp/image/AA1CbZNe" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1CbZNe.jpg"/>
<h2>
 Next Generation Internet ETF (ARKW)
</h2>

 Cathie Wood's ARK funds began gaining significant momentum last year, particularly with the
 
 Next Generation Internet ARK ETF
 
 (NYSEARCA:ARKW) saw an impressive increase of almost 50% over the previous year, significantly outperforming the S&P 500, which only managed returns slightly above 20%. Clearly, it’s still early days to determine whether Cathie Wood can consistently stay ahead of the S&P 500 for several more years following what could be considered a prolonged pause.


 It’s easy to envision that the impact of disruptive technologies might further boost market performance. With artificial intelligence and other rising technological advancements fueling the technology and growth sectors, I think Wood's portfolios have the potential to keep benefiting from this trend. Certainly, should we move into an era where tech once again distinguishes itself as superior compared to the broader markets,Wood will likely face significant challenges but also opportunities to demonstrate her prowess.


 Given Wood’s proactive strategy and her enthusiasm for purchasing undervalued assets, she might manage to get an edge over some of the more laid-back technology investment options available. Regardless, her upcoming internet-focused fund, bolstered by last year’s profits from Bitcoin, could potentially make significant strides.
 
 Tesla
 
 (
 NASDAQ:TSLA
 ), and
 
 Coinbase
 
 (NASDAQ:COIN) appears to be gaining significant traction.


 We'll have to wait and see if ARKW can manage another year of outperforming the S&P 500. Should the cryptocurrency market remain robust and Woods continue making savvy moves, it seems likely that the fund’s prospects would look favorable. However, unless you're confident in Woods' strategy and can tolerate fluctuations, holding onto ARKW through 2025 might prove challenging.

<h2>
 The ARK Autonomous Technology & Robotics Exchange-Traded Fund (ARKQ)
</h2>

 In my opinion, the
 
 The ARK Autonomous Technology and Robotics Exchange-Traded Fund (ETF)
 
 (ARKQ) stands out as one of the most exciting parts of the ARK basket, given the rise of autonomous robotaxis, physical artificial intelligence (AI), and increased automation in the workplace. If anything, the ARKQ is the most ready for the next chapter in the AI story.


 Just as anticipated, Cathie Wood’s preferred stock, Tesla, stands out as one of the leading holdings within the ETF, accounting for over 15% of the overall portfolio. This significant investment in TSLA is largely responsible for ARKQ outperforming the S&P 500 substantially; in 2024 alone, it surged almost 40%. Should robotics take center stage in 2025, ARKQ seems primed to keep up this growth trend. However, the key uncertainty lies in whether it will achieve fresh record-breaking levels.


 If I had to place my bets on an ARK fund, it would definitely be the ARKQ. Although I remain somewhat skeptical about whether Cathie Wood has made her return, another year of outperforming the markets might once again draw significant attention, much like it did towards the end of 2020 and beginning of 2021. Is 2025 going to mark the resurgence of actively managed ETFs? Only time will tell what impact novel AI-led advancements will have.

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2 Actively Managed ETFs That Dominated the S&P 500 in the Past Year

Unknown etfs, investing, investing company news, investing news, investors

Even with the surge in popularity of passive investing, there remains an increasing appetite for actively managed exchange-traded funds (ETFs). Passive investment strategies focusing on index-based …

하나증권, 공모주 청약 한도 2배 증가 '111 서비스' 론칭

Unknown finance news, financial services, investing, investing company news, korean

하나증권, 공모주 청약 한도 2배 증가 '111 서비스' 론칭

Unknown finance news, financial services, investing, investing company news, korean

[DIWIDA |= 이하나 기자] 하나증권은 공모주 청약 혜택을 강화한 ‘111 공모주 우대 서비스’를 새롭게 선보였다고 3일 밝혔다. 이번에 출시된 서비스는 고객이 등록 계좌에 111만 원 이상을 예치하고 3개월 이상 유지할 경우, 서비스 해지 시까지 공모주 일반 청약 한도의 200%까지 우대 혜택을 받을 수 있는 것이 특징이다. 기존에는 거…

From $5.15/Hr at Taco Bell to $3.5M by 39: My Simple Rule for Financial Freedom

Unknown investing, personal finance careers, personal finance retirement, retirement planning, work and pay

American Jamal Robinson joined the workforce with a single objective: to achieve retirement at the earliest opportunity.


 The individual, who is 40 years old, mentioned during his conversation that he established a retirement target for himself at a young age, specifically when he was a teenager.
 CNBC Make It
 .


 Robinson stated, 'I always believed that condensing that period of my life into less time would be the most logical approach.'


 'At the age of 17, I decided to aim for early retirement by 45, but surprisingly achieved this goal six years ahead of schedule.'


 Having retired, Robinson has been enjoying a comfortable life in
 Dubai
 from his $3.5 million savings.


 What are the keys to achieving success? It involves saving money, making investments, and concentrating on sustaining your financial independence.


 Nevertheless, it took Robinson some time to achieve his objective, during which he earned $5.15 per hour at Taco Bell.

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 Robinson acknowledged that his upbringing without significant financial resources influenced the way he managed and accumulated wealth later in life.


 "I felt quite alone in the world without substantial backing, so I believed it was crucial to accumulate as much wealth as possible, just in case anything went wrong and I needed to fend for myself," he elaborated.


 This taught him about the 'importance of money' early on and secured his first employment as a church custodian at just 14 years old.


 When he was 16, he started doing lengthy shifts at Taco Bell while going to school.


 Robinson received a full scholarship to attend Tennessee Tech where he obtained bachelor’s degrees in both computer engineering and mathematics.


 After graduating, the technology specialist started his initial full-time position with an annual salary of $41,000, which eventually grew consistently to reach $225,000.


 His compensation increased to $400,000, then $727,000, and ultimately reached $1 million.


 As he worked, he continued his education to obtain additional qualifications.
 
 nine post-graduate certifications in business and technology along with an MBA.
 

<img data-document-id="cms/api/amp/image/AA1Cmv9p" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1Cmv9p.jpg"/>

 
 Robinson collaborated with firms such as
 Amazon
 ,
 Microsoft
 ,
 IBM
 And prior to his retirement from Intel, he went on to become a data science professor at UC Berkeley.
 


 
 Nevertheless, despite his resume and salary being at an all-time high, he never saw himself as a major spender.
 


 "I still see myself today as just a minimum-wage worker earning $5.15 an hour," Robinson confessed.


 'I'd earn $1 million annually, yet find it challenging to splurge more than $50 on a single purchase.'


 Rather than indulging in costly purchases, he continued to save his funds, realizing it would only hasten his path to retiring.


 "I progressed from saving 30 percent to 50 percent, then to 80 percent and even up to nearly 90 percent," Robinson stated.


 'This would have excited me even more, as I realized it sped up my journey toward eventually retiring.'


 As a tech leader with expertise in generative AI, he decided to resign after amassing a portfolio worth $3.5 million, even though he was earning $1.1 million annually.

<img data-document-id="cms/api/amp/image/AA1Cmqao" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1Cmqao.jpg"/>

 'Many believe it's insane for me to depart from AI when it holds such significance,' Robinson stated.


 'For me, it has always been crucial to concentrate on achieving my retirement objective so I can dedicate time to personal growth and ensure that I am contributing positively to making the world a better place.'


 Upon retiring, Robinson adopted a four percent withdrawal strategy, enabling him to generate an annual income of $185,000.


 This total amounts to roughly $15,400 per month; however, the ex-tech executive typically expends between $9,000 and $12,000 within that period.


 "If you maintain a disciplined and responsible approach towards [the money you have earned], then using it for experiences that simplify your life or positively influence others' lives — these actions are not detrimental," he emphasized.


 Robinson easily adjusted to life in Dubai, stating that it isn’t more costly than residing in major American cities he has previously lived in.


 "If I invest the same amount of money here, I usually have a far more enjoyable time. Alternatively, if I choose to spend less, I still receive an equally satisfying experience," he mentioned.


 Even though he lives under those conditions, Robinson stated that he wouldn’t be paying taxes in Dubai but intends to settle with the IRS because he’s an American residing overseas.

<img data-document-id="cms/api/amp/image/AA1Cmqar" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1Cmqar.jpg"/>

 Robinson is striving to adjust his investment portfolio, which includes multiple technology-based stocks.


 He likewise has a passion for DJing and is presently engaged in authoring a book along with crafting a podcast.


 "I am concentrating on my own spiritual development," he stated, mentioning that his current emphasis is on the present moment rather than speculating about the future.


 His work visa will end in July with his previous employer, and he intends to depart from Dubai after that.

Read more

From $5.15/Hr at Taco Bell to $3.5M by 39: My Simple Rule for Financial Freedom

Unknown investing, personal finance careers, personal finance retirement, retirement planning, work and pay

American Jamal Robinson joined the workforce with a single objective: to achieve retirement at the earliest opportunity. The individual, who is 40 years old, mentioned during his conversation that …

３メガなど銀行株が昨夏来の急落、トランプ関税で利上げ休止観測

Unknown business, economics, finance news, financial markets, investing

（ブルームバーグ）： ３メガバンクを含む銀行株が大幅に下落。トランプ米大統領による相互関税の発表を受け、日本株が自動車など輸出関連株を中心に全面安となる中、日本銀行による利上げ休止観測などが浮上し、収益拡大期待が剥落する形で業種別で最も大きな下げとなった。


 ３日の終値は三菱ＵＦＪフィナンシャル・グループが前日比7.2％安、三井住友フィナンシャルグループが同7.7％安、みずほフィナンシャルグループが同８％安。ともに米景気の先行き不安などをきっかけに急落した昨年８月５日以来の下落率を記録した。千葉銀行などの地方銀行株も大きく下げた。


 東証株価指数（ＴＯＰＩＸ）が同3.1％安となる中、ＴＯＰＩＸ銀行業指数は同7.2％安と業種別で最大の下落率となった。ＴＯＰＩＸ輸送用機器指数は同4.5％安だった。ブルームバーグのデータによると、相互関税発表を受け、利上げ確率は低下した。

<img data-document-id="cms/api/amp/image/AA1Cc5eo" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1Cc5eo.jpg"/>

 トランプ大統領は２日（米国時間）、日本に対して24％の相互関税を課すと発表した。これに先立ち、自動車などには25％の関税率が適用されることも決まっていた。


 ピクテ・ジャパンの田中純平投資戦略部長は、「外需関連株にとってネガティブであることに加え、場合によっては日銀の利上げ休止観測が高まることで、年初来上昇していた銀行株にも売り圧力が高まる」との見方を示した。


 Ｔ＆Ｄアセットマネジメントの浪岡宏チーフ・ストラテジストは、日銀の金融政策について、これまでは年内２回の利上げを予想していたが、関税の引き上げにより「日本経済も冷やされると１回になるかもしれない」と述べた。

<table>
 <tr>
 関連記事
 </tr>
 <tr>
 <td>
 
 日銀５月利上げ見送りの見方広がる、米関税想定より厳しく深刻な影響
 
 
 日本に24％相互関税、米政権が９日適用－トヨタを名指し
 
 
 米相互関税率で日本は24％、予想以上で株安・円高－市場関係者の見方
 
 </td>
 </tr>
</table>

 --取材協力：我妻綾、横山桃花.


 (株価情報などを追加して更新します)


 More stories like this are available on
 diwida.news


 ©2025 diwida.newsL.P.

３メガなど銀行株が昨夏来の急落、トランプ関税で利上げ休止観測

Unknown business, economics, finance news, financial markets, investing

（ブルームバーグ）：３メガバンクを含む銀行株が大幅に下落。トランプ米大統領による相互関税の発表を受け、日本株が自動車など輸出関連株を中心に全面安となる中、日本銀行による利上げ休止観測などが浮上し、収益拡大期待が剥落する形で業種別で最も大きな下げとなった。３日の終値は三菱ＵＦＪフィナンシャル・グループが前日比7.2％安、三井住友フィナンシャルグループが同7.7％安、みずほフィナンシャルグル…

Should You Snap Up Nvidia Stock After the 28% Drop?

Unknown business, investing, investing news, technology, technology companies

Several technologies have garnered significant market interest in recent years, but none has been as captivating as artificial intelligence (AI). This isn’t surprising, considering the immense potential this technology holds—potential highlighted by industry leaders such as Sam Altman (the CEO of OpenAI) and Dario Amodei (the CEO of Anthropic), who envision a near-future where their innovations revolutionize our economic landscape.
 profoundly changed how most companies operate
 .


 But have you ever encountered a tech CEO who?
 doesn't
 Are you suggesting that companies claim they are transforming the globe? Fortunately, this optimistic view about artificial intelligence isn’t confined just to high-ranking executives at tech firms in Silicon Valley. Both investors and stakeholders may find reassurance knowing that entities like the International Monetary Fund and the United Nations have publicly stated their belief in AI’s significant influence.


 
 Start Your Mornings Smarter!
 
 Wake up with
 
 Breakfast news
 
 In your inbox each trading day.
 
 
 Register Now for Free »
 
 

<h2>
 Nvidia is capitalizing on the AI trend.
</h2>

 The key driver behind this AI boom is the highly potent chips required by these technologies. So when you inquire with ChatGPT about crafting the perfect roasted chicken (a dash of baking powder combined with salt ensures incredibly crisp skin), swarms of graphics processing units (GPUs) kick into action somewhere out of sight.
 many
 -a football-field-sized data center located in some rural area of America. I assure you, this is no joke.
 
 Meta Platforms
 
 is constructing one in Louisiana, where you could place
 70
 As expected, filling such a space requires companies to buy numerous GPUs.


 Without a doubt,
 No business completely dominates the AI GPU market.
 like
 
 Nvidia
 
 
 (NASDAQ: NVDA)
 
 And it has been generously rewarded for this. Primarily due to the sales of these chips, the company experienced a dramatic increase in revenue starting from 2023. Review the graph illustrating the sales growth relative to Meta (a key client).
 
 Advanced Micro Devices
 
 (a rival chipmaker), and
 
 Alphabet
 
 (which depends on artificial intelligence to enhance its Google search engine, along with products like Waymo, Nest, and YouTube).


 <img data-document-id="cms/api/amp/image/AA1C8HpP" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1C8HpP.jpg"/>


 Its expansion has been tremendous. During this timeframe, Nvidia significantly increased its profit margins while continuously pushing boundaries to maintain a strong lead over competitors. Indeed, no firm can match it in manufacturing top-tier processors. With the financial capability to heavily invest more than its counterparts in R&D and an appealing environment for attracting and keeping premier talents, it appears improbable that this scenario will shift anytime soon.

<h2>
 CUDA is key
</h2>

 Much focus is placed on Nvidia’s superiority in sheer performance, but arguably its most significant and lasting benefit lies in its CUDA platform. Consider CUDA akin to a programming language enabling developers to leverage GPUs for tasks beyond their initial purpose of rendering graphics.


 CUDA serves as the foundational software upon which the intricate structure of artificial intelligence is constructed. Most advanced development platforms and tools utilized by AI developers are designed to be compatible with CUDA.


 This indicates that if a client decided to migrate to a competitor’s chips, they would have to dedicate substantial resources and effort to revamp their complete processes and teams—either via extensive reeducation or by laying off current employees and recruiting new ones skilled in alternative technologies. Although such a transition might be technically feasible, the expense involved typically renders it unfeasible for the majority of businesses. As a result, CUDA ensures that Nvidia retains its customers within its technology sphere, even at an additional cost.

<h2>
 The road ahead isn't an easy one.
</h2>

 Even with Nvidia’s leading position, several obstacles remain on the horizon. In the short term, I do not anticipate significant barriers that Nvidia would struggle to overcome. The indicators suggest that the firm will maintain strong sales performance throughout the coming year. Its key large technology clients have pledged unprecedented levels of investment specifically aimed at artificial intelligence initiatives, much of this funding intended for expanding their data centers.


 Over the long run, several significant issues emerge. Primarily, artificial intelligence needs to start generating returns substantial enough to validate the enormous investments directed towards its advancement. Merely promising great things won’t suffice indefinitely; investors like those at Alphabet and Meta will become progressively anxious about continued expenditures without evident rewards. Should these profits not materialize over the coming couple of years, funding might well diminish.


 Secondly, although Nvidia seems poised to retain its advantage for the near term, technology is an area known for upheaval. A newcomer semiconductor company employing groundbreaking innovations might suddenly rise to prominence. Alternatively, without such fanfare, some of its key customers may create their own chips and transition away from Nvidia despite the protective barrier posed by CUDA that was previously mentioned.


 Finally,
 One of Nvidia's greatest hurdles now comes from its own achievements.
 At least when it comes to its stock price, the company released another impressive earnings report last month, showing almost an 80% increase in sales compared to the previous year. However, Nvidia’s share value has dropped by 21% within the past six weeks. While broader economic conditions may be contributing negatively, the main issue seems to be that the market demands flawless performance from the company, which is unattainable — except perhaps according to my fifth-grade violin instructor who believes otherwise, though achieving such standards was beyond me.


 Nevertheless, only a handful of businesses have shown the foresight that Nvidia possesses. Nvidia should be capable of adjusting to future obstacles. While things certainly won’t always go smoothly, I believe that as time progresses, people’s demands for flawlessness will diminish, allowing Nvidia’s profits to expand significantly. Moreover, since the company’s stock value recently dropped, leading to one of its lowest P/E ratios in several years—well prior to the surge in artificial intelligence interest—I consider investing in Nvidia to be quite astute.

<h2>
 Don't let this second chance for a possibly profitable opportunity slip away.
</h2>

 Have you ever felt like you've missed out on investing in the most profitable stocks? If so, you should definitely listen to this.


 From time to time, our skilled group of analysts releases a
 
 “Double Down” stock
 
 Here's a suggestion for firms that seem poised for significant growth. Should you fear missing out on potential gains, this might be an ideal moment to purchase shares prior to their inevitable rise. The statistics clearly indicate this trend:

<ul>
 <li>
 
 Nvidia:
 
 If you had put in $1,000 when we increased our investment in 2009,
 
 you’d have $281,057
 
 !*
 </li>
 <li>
 
 Apple:
 
 If you had invested $1,000 when we increased our stake in 2008,
 
 you’d have $42,114
 
 !*
 </li>
 <li>
 
 Netflix:
 
 If you had put in $1,000 when we increased our investment in 2004,
 
 you’d have $502,905
 
 !*
 </li>
</ul>

 Currently, we're sending out "Double Down" alerts for three amazing companies, and such an opportunity might not come around again anytime soon.


 
 Continue »
 


 
 *Stock Advisor returns as of April 1, 2025
 


 Suzanne Frey, who holds an executive position at Alphabet, serves on The Motley Fool’s board of directors. Additionally, Randi Zuckerberg, previously responsible for market development and as a spokesperson for Facebook, and being the sibling of Meta Platforms CEO Mark Zuckerberg, also sits on The Motley Fool's board of directors.
 Johnny Rice
 does not hold any shares in the companies listed above. However, The Motley Fool has investments in and endorses Advanced Micro Devices, Alphabet, Meta Platforms, and Nvidia. They also have a
 disclosure policy
 .

Should You Snap Up Nvidia Stock After the 28% Drop?

Unknown business, investing, investing news, technology, technology companies

Several technologies have garnered significant market interest in recent years, but none has been as captivating as artificial intelligence (AI). This isn’t surprising, considering the immense poten…

Hong Kong's MPF Soars by $4.5 Billion in Q1, Netting $936 Per Member

Unknown economics, financial markets, investing, investing economy, money

In the first quarter, Hong Kong and Chinese equities outperformed all other asset categories, whereas US equities declined, as reported by MPF Ratings.

 The 4.75 million members of Hong Kong's
 Mandatory Provident Fund
 (MPF) received an average of HK$7,300 (US$936) in the initial three months of this year, with the pension fund benefiting from improved conditions.
 a stock-market rally
 .


 On Thursday, the MPF announced aHK$34.8 billion investment return for the first quarter, as per data provided by MPF Ratings, an independent research company.


 The 379 individual funds under the MPF achieved an average return of 2.7 percent in the initial quarter, marking the highest performance since a 4.1 percent increase in the first quarter of 2023. As for the year 2024, the MPF reported a return of 8.8 percent.


 Are you looking for insights into the most significant issues and global developments? Find your answers here.
 SCMP Knowledge
 Our latest platform features handpicked content including explainers, FAQs, analyses, and infographics, all provided by our esteemed team of experts.


 The outcome increased the MPF's overall assets to HK$1.338 trillion by the end of March. This figure includes both investment returns and fresh contributions made by members, amounting to HK$279,100 for each individual. Compared to the previous year, this represents a growth of 13%, reflecting an average rise of HK$30,000 per member’s portfolio.


 "Significantly, Hong Kong and Chinese equities outperformed all other asset categories in the first quarter, whereas US equities declined," stated Francis Chung, who serves as the chairman of MPF Ratings.


 This performance discrepancy should be a stern reminder for the unprecedented number of MPF members who shifted from Hong Kong and China stocks to U.S. equities over the past year.


 In the first quarter, Hong Kong and China equity funds led with returns of 12 percent, trailed by European equity funds which saw gains of 6.3 percent. Other equity funds completed the top trio with a return of 4.4 percent, according to data provided by MPF Ratings.


 US equity funds had the poorest performance, declining by 5.3 percent, whereas global equity funds dropped by 1.8 percent.


 The favorable outcome of the MPF was supported by a market upturn that ensued.
 artificial-intelligence start-up DeepSeek's
 launch of two potent yet budget-friendly extensive language models in January.


 Approximately one-third of the MPF's equity assets are allocated to the Hong Kong stock market, according to Kenrick Chung, who serves as the Chief Corporate Solutions Officer at Bay Insurance Brokers.


 "In addition, the growing array of economic stimulus measures implemented by the Chinese government provides momentum for expansion," he stated.


 The Hang Seng Index has risen by 15 percent this year following an increase of 18 percent in 2024, whereas the Hang Seng Tech Index has seen a gain of 21 percent year-to-date.


 In contrast, the S&P 500 dropped 4.6 percent during the initial three months of the year, marking its poorest performance at the beginning of a year since the opening quarter of 2022. Experts pointed to concerns over inflation and an impending U.S. recession as reasons for this decline.


 Launched in 2000, Hong Kong’s Mandatory Provident Fund (MPF) is a required savings program where both employers and employees contribute monthly amounts. These contributions can make up to 5 percent of the employee's monthly income towards their retirement fund.


 The required contribution has an upper limit of HK$3,000 per month—HK$1,500 contributed by each the employee and their employer. These contributions go into investment options selected by the members themselves. The money can be withdrawn once the individual reaches 65 years of age.


 According to the data from MPF Ratings, mixed-asset funds, which include investments in both stocks and bonds, saw an increase of 3.6 percent during the initial three months of the year.


 A standard investment strategy (SIS) that adopts a varied approach to investing globally in both equities and fixed-income securities adjusts the level of risk based on an individual’s age. This particular method showed inconsistent outcomes; SIS choices with greater emphasis on stocks experienced a decline of 0.4 percent during the initial three months, whereas those leaning towards bond investments saw a rise of 0.5 percent.


 Moving forward, Chung from Bay Insurance advised the members to remain cautious about potential market fluctuations for the rest of 2025.


 While the newly formed U.S. administration is posing a threat to the global economy through proposed increases in tariffs, other nations stand ready to counter these moves," he stated. "Such tariff hikes could trigger inflation within the United States, which would consequently impact both the interest rates set by the U.S. Federal Reserve and various economic activities within the country. Members of the MPF should brace themselves for potential volatility in financial markets.


 Members of the Mandatory Provident Fund (MPF) who are comfortable with taking on greater risks might want to allocate some of their savings into Hong Kong and Chinese equity funds. The reasoning behind this advice is that the mainland authorities possess numerous strategies for stimulating economic activity, an effort that will likely have positive ripple effects on Hong Kong’s economy as well, he explained.


 More Articles from SCMP


 A Japanese student attracted 32 million views after being the sole individual to unearth an eight-year-old time capsule.


 Can constitutional challenges cause more delays or potentially halt Hutchison’s agreement with Panama?


 How Hong Kong’s Tofu Restaurant, Established Over a Century Ago, Has Delighted Generations of Soy Enthusiasts


 Solar fury blinds China’s stealth-detecting radar, inspiring cosmic early warning network


 The article initially appeared on the South China Morning Post (www.scmp.com), which is the premier source for news coverage of China and Asia.


 Copyright © 2025. South China Morning Post Publishers Ltd. All rights reserved.

Hong Kong's MPF Soars by $4.5 Billion in Q1, Netting $936 Per Member

Unknown economics, financial markets, investing, investing economy, money

In the first quarter, Hong Kong and Chinese equities outperformed all other asset categories, whereas US equities declined, as reported by MPF Ratings. The 4.75 million members of Hong Kong's Mandat…

東証、1435円安 9時15分現在

Unknown economics, financial markets, investing, investing market news, stocks

東証、1435円安 9時15分現在

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3日の東京株式市場の日経平均株価（225種）は午前9時15分現在、前日終値比1435円35銭安の3万4290円52銭となった。 …

Zambia Accelerates Copper Exploration for 2031 Goals

Unknown business, investing, investors, mining, mining industry

<div class="post-content-wrap has-share-float">
 <div class="post-content cf entry-content content-spacious">
 
 
 Cape Town, South Africa —
 
 Zambia has launched a series of strategic initiatives in 2025 to accelerate copper drilling and meet its target of producing 3.1 million tons per annum by 2031. In February 2025, the country introduced the
 Zambia Integrated Mining Information System
 , a digital platform designed to enhance efficiency and transparency in mining license management. The system is expected to streamline the approval process and help Zambia attract more investors and fast-track exploration.
 
 
 In line with efforts by Zambia to enhance copper exploration, the upcoming African Mining Wee conference and exhibition, taking place from October 1-3 in Cape Town, will provide a platform to showcase lucrative investment opportunities within the country’s upstream industry.
 
 
 
 Government Programs
 
 
 
 To create a more conducive environment for copper drilling, Zambia is implementing several government-led initiatives. In February 2025, the country announced a non-compliance monitoring project, which led to the repossession of over 1,000 mining licenses in 2024 alone.
 
 
 These licenses are now being reallocated to new investors to accelerate exploration efforts and help achieve its 2031 production goal. Zambia has also recorded a 79% increase in mining licenses granted in 2024 compared to 2023, according to the Ministry of Mines and Minerals Development.
 
 
 The government – in partnership with the Geological Survey of Finland – is implementing a nationwide high-resolution aerial geophysical survey to map mineral resources and open new exploration basins. Additionally, the government established the Zambia Minerals Investment Corporation Limited, a special-purpose vehicle to facilitate joint venture investments in exploration, production and mineral processing.
 
 
 On January 16, 2025, the nation entered into an accord with Saudi Arabia aimed at boosting human resource growth, advancing technological exchange, and fostering investment in copper extraction and processing activities. Additionally, governmental efforts have been crucial in reviving dormant mining ventures such as those seen at Mopani and Konkola Copper Mines, thereby opening up fresh prospects for mineral discovery.
 
 
 
 Private Sector Contributions
 
 
 
 The private sector is also playing a role in expanding Zambia’s copper drilling efforts. In January 2025,
 Barrick Gold
 stated its intentions to employ a fresh exploration permit in Northern Zambia and proceed with drilling activities at Lumwana, aligning with their dedication to achieving Zambia’s production target for 2031.
 
 
 The UK-based
 Jubilee Metals Group
 Several drilling initiatives are being carried out by the company to foster expansion at its Roan and Sable Refinery locations. Meanwhile, Handa Resources—a partnership between Arc Minerals and Anglo American—commenced drilling activities over three recently sanctioned permits in Zambia back in January 2025.
 
 
 As Africa’s premier mining investment platform, African Mining Week will bring together key stakeholders, government officials and global investors to discuss and optimize opportunities within Zambia’s copper exploration and production industry.
 
 </div>
</div>
Provided by SyndiGate Media Inc. (
Syndigate.info
).

Zambia Accelerates Copper Exploration for 2031 Goals

Unknown business, investing, investors, mining, mining industry

Cape Town, South Africa — Zambia has launched a series of strategic initiatives in 2025 to accelerate copper drilling and meet its target of producing 3.1 million tons per annum b…

3 Top Dividend Stocks for Unending Growth in Passive Income

Unknown investing, investing business news, investing top stocks, investors, stocks

<img data-document-id="cms/api/amp/image/AA1C7Yxm" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1C7Yxm.jpg"/>

 
 Buying high-quality dividend stocks is a great way to collect passive dividend income. The best ones increase their dividends each year, and they can help you more than offset the impact of inflation over the long run.
 


 
 
 Federal Realty Investment Trust
 
 
 
 
 (NYSE: FRT)
 
 ,
 
 
 
 NNN REIT
 
 
 
 
 (NYSE: NNN)
 
 , and
 
 
 
 Essex Property Trust
 
 
 
 
 (NYSE: ESS)
 
 have elite records of growing their dividends. The real estate investment trusts (
 
 
 REITs
 
 
 ) have all delivered 30 or more years of consecutive annual dividend growth and should be able to continue increasing their higher-yielding payouts in the decades ahead, making them great stocks to buy for dividend income that could steadily rise throughout your lifetime.
 


 
 Start Your Mornings Smarter!
 
 Wake up with
 
 Breakfast news
 
 in your inbox every market day.
 
 
 Sign Up For Free »
 
 

<h2>
 
 Dividend royalty
 
</h2>

 
 In August 2024, Federal Realty Investment Trust increased its dividend for the first time since then, continuing its track record to 57 successive years of raising dividends. This makes their streak the longest within the REIT industry, thus qualifying Federal Realty as a
 
 
 Dividend King
 
 
 , a business entity with 50 or more employees
 
 
 years of
 
 
 annual dividend increases. The
 
 
 retail REIT
 
 
 currently has a dividend yield of 4.5%, well above the
 
 S&P 500
 
 's 1.3% yield.
 


 
 One major factor behind Federal Realty’s capacity to continually boost its dividend is its emphasis on quality rather than sheer volume. This corporation manages 102 open-air shopping complexes and mixed-use developments encompassing 27 million square feet of retail space along with 3,100 residential units.
 
 
 A significantly more compact collection compared to the industry frontrunner.
 
 
 It specifically concentrates on acquiring assets in the innermost suburban rings surrounding large metropolitan areas due to their high concentration of extremely wealthy customers.
 


 
 Federal Realty regularly allocates funds for enhancing its property portfolio. This includes finishing renovation initiatives at current locations to draw better-quality renters or incorporate residential spaces. Additionally, they plan to dispose of less desirable assets.
 
 
 recycle that capital
 
 
 This emphasis on excellence has allowed Federal Realty to produce more consistent rental income that has progressively increased over time, even against the challenges faced by numerous retailers.
 

<h2>
 
 Hitting another dividend milestone
 
</h2>

 
 NNN
 
 
 Last year, REIT announced its 35th successive yearly hike in dividends. Fewer than eighty publicly listed firms, along with just two additional REITs, have achieved this feat. The company’s dividend currently offers a yield of 5.5%.
 


 
 NNN REIT similarly concentrates on acquiring retail properties. Nonetheless, it deals with a distinct category of assets: single-tenant buildings.
 
 
 net lease
 
 
 buildings. Net leases supply
 
 
 consistent rental revenue since the occupant manages all operational costs associated with the property, such as regular upkeep, property taxes, and structure insurance. This steady stream of rent ensures a reliable foundation for dividend payments.
 


 
 The firm maintains a comparatively modest dividend payout ratio as a REIT, below 70% of its fundamental earnings.
 
 
 funds from operations
 
 
 this year. That enables it to retain meaningful free cash flow to fund new income-generating retail property investments, to the tune of about $200 million this year. It typically acquires properties from existing retail tenants in
 
 
 sale-leaseback transactions
 
 
 That approach furnishes those retail companies with funds to keep growing their presence, thereby generating potential buyout prospects in the future.
 
 
 NNN
 
 
 REIT.
 

<h2>
 
 Focused on the West Coast
 
</h2>

 
 Essex Properties Trust recently increased its dividend, extending its streak to 31
 
 
 straight
 
 
 years. The
 
 
 residential REIT
 
 
 has raised its payout by a cumulative 516% since its initial public offering in 1994. The landlord's dividend payment currently yields 3.4%.
 


 
 The company focuses on owning apartment communities in coastal markets along the West Coast. These markets benefit from strong and growing demand for rental housing. Meanwhile, the long and complex entitlement process to build new homes tends to constrain supplies. These factors keep occupancy levels high and drive above-average rental growth rates.
 


 
 Essex Properties enhances its growth
 
 
 rate
 
 
 by acquiring new apartment communities and funding development projects. It will also invest in structured financings such as
 
 
 preferred equity
 
 
 and mortgage debt secured by multifamily communities in its core markets to generate additional income. These investments add to its growing rental income, enabling it to continue raising
 
 
 the dividen
 
 
 d.
 

<h2>
 
 Durable dividend growth stocks
 
</h2>

 
 Federal Realty, Essex Property, and
 
 
 NNN
 
 
 REIT have increased their dividends
 
 
 each year for more than
 
 
 three decades.
 
 
 Their focus on a specific property type or market is a key contributor to their success, and their expertise and conservative approach have enabled them to continue growing through
 
 
 a variety of
 
 
 market conditions. As long as they don't deviate from their winning strategies, these REITs should be able to continue supplying investors with a growing stream of passive income in the decades ahead.
 

<h2>
 Should you invest $1,000 in Federal Realty Investment Trust right now?
</h2>

 Before you buy stock in Federal Realty Investment Trust, consider this:


 The
 Motley Fool Stock Advisor
 analyst team just identified what they believe are the
 
 10 best stocks
 
 for investors to buy now… and Federal Realty Investment Trust wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.


 
 
 Consider when
 
 Nvidia
 
 made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation,
 
 you’d have $664,271
 
 
 !*
 
 
 


 
 
 Now, it’s worth noting
 
 
 
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 163%
 
 
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 *Stock Advisor returns as of April 1, 2025
 


 Matt DiLallo
 The Motley Fool does not hold any shares in the stocks discussed. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a
 disclosure policy
 .

3 Top Dividend Stocks for Unending Growth in Passive Income

Unknown investing, investing business news, investing top stocks, investors, stocks

Buying high-quality dividend stocks is a great way to collect passive dividend income. The best ones increase their dividends each year, and they can help you more than offset the impact of infla…

"불안한 시장에서 '파킹형 ETF'로 대거 이동: 소액 투자자들이 선택한 안전망 은?" [투자360]

Unknown economics, etfs, investing, investing market news, korean

<img data-document-id="cms/api/amp/image/AA1C6Myl" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1C6Myl.jpg"/>
 [Blog.DIwida=김민지 기자] 트럼프 발관세와 함께 시장의 불안감이 증폭된 첫 분기에, 투자자들은 단기간 내 발생할 수 있는 충격으로부터 자금을 보호하기 위해 주차형 상장지수펀드(ETF)를 찾고 있습니다.


 2일 한국거래소에 의하면 올해 첫 분기인 1월부터 3월까지 개인들이 많이 사들인 상위 10개의 ETF 가운데 미국 주요 지수(EFT, 나스닥100)를 제치고 가장 큰 비율을 차지하는 것은 사실상 파킹 형 EPT였습니다. KODEX CD 금리 액티브(합성)는 총 매수가격에서 2조 2천 4백 7십 억 원으로 여섯 번째로 높았으며, RISE 머니 마켓 액티브는 1조 6천 5백 십억 원으로 아홉 번째 위치했습니다. 그 다음으로 KODEX 머니 마켓 액티브가 1조 6천 9억 원으로 열번째 자리에 있었습니다.(레버리지를 사용하지 않은 것과 반대로 작용하는 제품들은 포함되지 않았으며, 해당 데이터는 3월 말 일자 기준입니다.)


 이것은 트럼프의 관세 위협 후 시장의 불안감으로 인해 개인투자자들이 안전 자산을 선호하는 현상을 반영한 것으로 해석된다.


 지난 연초부터 시작된 미국의 관세 영향으로 인해 발생한 글об벌 주식 시장의 불안감이 국내에서 더욱 증폭되었습니다. 여기에 추가적으로 대통령 탄핵 문제와 공매도 재추 진입 등 다양한 요인이 맞물려 투자자의 혼돈을 촉발하였고, 이러한 상황들이 서로 겹쳐져서 전체적인 시장을 어지럽혔습니다.


 투자자들은 저위험으로 안정적인 수익률을 내는 파킹형 ETF를 찾아냈다. 이러한 ETF는 돈을 일시적으로 보관하는 것만으로도 일반 계좌의 이자가 더 많아서 단기간 금융 관리에 널리 활용된다. 이름에서 알 수 있듯이, 차량을 한때 주차했다가 다시 출발시키듯이 언제든지 쉽게 진입하거나 탈퇴할 수 있다는 것이 장점이다. 일반적으로 시장 상황이 좋지 않을 때 이런 ETF들을 이용하여 투자금을 안전하게 보호하려는 사람들이 늘어난다.


 지난해 1분기에 비해 올해 파킹형 ETF에 대한 개인의 순매수금액은 7695억원에서 7954억원으로 3.37% 상승했습니다. 또한 전 분기인 2024년 4분기의 7198억원보다는 10.50% 더 크게 증가함을 알 수 있습니다.


 <img data-document-id="cms/api/amp/image/AA1C6P73" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1C6P73.jpg"/>
 1분기에 주차형 투자에서 많은 자금이 들어왔다. 가장 많이 유입된 상품은 KODEX 머니마켓액티브로 약 1조 5531억 원을 기록했으며, 그 뒤를 이어 KODEX CD1년금리플러스액티브가 2위에 오르며 2163억 원의 자금이 모였다. RISE 머니마켓액티브는 3위를 차지하며 1975억 원의 자금이 입증되었고, TIGER CD금리플러스액티브와 SOL 초단기채권액티브 역시 각각 4위와 5위를 달성하여 각각 1904억 원과 1875억 원의 자금이 유입되었다. 특히, KODEX 머니마켓액티브는 올해 전체 ETF 중에서도 최대 규모의 자금 유출입을 보였습니다.


 윤성인 삼성자산운용의 매니저는 "KODEX 머니마켓액티브가 단기간 내에서 만기가 도래하는 채권과 유동성을 유지하기 위한 자산으로 이루어진 기준 인덱스를 따르므로, 금리 변화로 인한 영향을 줄여서 투자자의 돈이 꾸준히 들어오고 있는 것 같다"라고 밝혔습니다.


 윤 매니저는 "국내와 해외에서 정경 유불안으로 인해 자산의 가격 변동성이 커짐에 따라 안전하게 이용할 수 있는 파킹형 상품을 찾는 투자자의 관심이 급증하고 있다고 보았다."


 파킹형 상품 이외에도 안전자산으로서의 금에 대한 관심이 높아지면서 관련 ETFにも 자금이 유입되었습니다. 1분기에 개인투자자는 ACE KRX금현물 ETF를 통해 총 2831억원을 순매수하였습니다.


 도널드 트럼프 대통령의 상호 관세 부과 발표와 인플레 압력 속 경제 침체 가능성에 대한 걱정으로 금 가격이 계속해서 상승 중이다. 지난 31일(현지 시간), 뉴욕상업거래소(NYMEX)에서는 온스 당 금 값이 역대 최고치인 3,160 달러까지 치솟으면서 기록을 갈아쳤다.


 남용수 한국투자신탁운용 ETF운용본부장은 "대규모 미국 발불확실성 때문에 안전 자산으로서 골드 상품ETF가 관심받게 되었으며, 시장에서 철수한 투자자들와 더 높은 수익률을 목표로 하는 투자자들이 이러한 유형의 ETF를 선택하게 된 것으로 보입니다."라고 밝혔습니다. 그는 또한 "(파킹형 ETF는) 하루 단위로 복합적인 수익률을 추적하고, 일정 기간 동안 자금을 묶어 두면 이자를 얻을 수 있는 등의 이유 때문일 것입니다. 이런 특징들은 소비자의 입장에서는 매력적으로 작용했을 가능성이 큽니다"라는 견해도 덧붙였습니다.


 또한 그는 "기관은 순매도하고 있는 반면에, 개별 투자자는 그렇지 않다"며 "금 현물 및 패싱 형태의 상장지수펀드(ETF)를 보면 대부분 금융투자가서 판 것이므로, 개인들의 구매력이 높아져 증권 회사들이 소유한 ETF 수급을 개인들에게 넘기는 것처럼 보일 수 있다"라고 설명했습니다.


 <img data-document-id="cms/api/amp/image/AA1C6z10" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1C6z10.jpg"/>

"불안한 시장에서 '파킹형 ETF'로 대거 이동: 소액 투자자들이 선택한 안전망 은?" [투자360]

Unknown economics, etfs, investing, investing market news, korean

[Blog.DIwida=김민지 기자] 트럼프 발관세와 함께 시장의 불안감이 증폭된 첫 분기에, 투자자들은 단기간 내 발생할 수 있는 충격으로부터 자금을 보호하기 위해 주차형 상장지수펀드(ETF)를 찾고 있습니다. 2일 한국거래소에 의하면 올해 첫 분기인 1월부터 3월까지 개인들이 많이 사들인 상위 10개의 ETF 가운데 미국 주요 지수(EFT, 나…

ISA 2025: The Future Shaper for Global Capital Markets and Economies

Unknown financial markets, financial services, investing, investing market news, investing news

The Securities and Exchange Commission (SEC) has indicated that the Investments and Securities Act of 2025 is a transformative measure with significant potential to boost growth in Nigeria’s capital market and overall economy.


 Dr. Emomotimi Agama, the Director-General of the SEC, made this statement during an interview in Abuja regarding several key points from the ISA 2025. He emphasized that the new legislation represents a significant revolution across various aspects because it grants the SEC the chance to maintain its Category A membership within the International Organization of Securities Commission.


 Religion states this is important as it enables other nations to compare the Nigerian Securities and Exchange Commission (SEC) and its capital market against those of other regions. This comparison can attract more foreign investment and investors to the Nigerian capital market, thereby expanding the market’s reach within Nigeria.


 The Director-General of the SEC mentioned that one of the key features of the updated law is the expansion of possibilities for fundraising within the Nigerian capital market. Additionally, this legislation includes regulations for online foreign exchange activities, in which many Nigerians participate, along with introducing laws pertaining to the governance of digital assets in Nigeria.


 He stated, "This development is significant because within Nigeria’s youth populace, numerous individuals participate in this sector. Therefore, offering clear guidelines along with establishing a proper legal foundation is crucial for progress. Additionally, the introduction of the Legal Entity Identifier into Nigerian legislation addresses issues related to derivative transactions."


 The legal framework effectively encompasses the commodities ecosystem, regulating various aspects from the spot market through the derivatives market to the secondary market. Additionally, this legislation eliminates constraints imposed by state and local governments on raising capital and fostering development within their jurisdictions. This is significant for our objectives.


 The head of the SEC highlighted that the stipulations of this legislation are extensive and foundational in establishing a vibrant, robust, and solid capital market. This market will play a crucial role in advancing the country's economic growth and supporting President's aim to achieve a one-trillion-dollar economy.


 Dr. Agama emphasized that the core purpose of this legislation is to foster a vibrant, inclusive, and robust capital market for economic growth. He further stated that the Commission is dedicated to advancing both the capital market and Nigeria’s overall economy.


 He stated, "The capital market possesses sufficient strength to supply the essential financing requirements across different economic sectors. This is among the most robust markets imaginable; we boasted one of the highest returns on investment globally over the past year. Considering the current progress in bank recapitalization efforts within the capital market, you would concur that our marketplace remains resilient."


 Currently, the Nigerian stock market has enabled banks to raise approximately 2.4 trillion naira, which is unprecedented in our nation’s history. It is our duty to promote growth, encourage transactions, and ease capital mobility, tasks we’ve accomplished effectively through this initiative. Additional organizations are also planning to raise funds. Not long ago, the Ministry of Finance Incorporated managed to secure 250 billion naira for housing development in Nigeria.

Provided by SyndiGate Media Inc.
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ISA 2025: The Future Shaper for Global Capital Markets and Economies

Unknown financial markets, financial services, investing, investing market news, investing news

The Securities and Exchange Commission (SEC) has indicated that the Investments and Securities Act of 2025 is a transformative measure with significant potential to boost growth in Nigeria’s capital…

Harga Emas Perhiasan Naik Tipis Hari Ini: Rekomendasi Terbaik untuk Kamis, 3 April 2025

Unknown commerce, investing, investing market news, money, news

<img data-document-id="cms/api/amp/image/AA1Cbyou" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1Cbyou.jpg"/>

 
 PIKIRAN RAKYAT -
 
 Harga perhiasan emas naik pada hari ini, Kamis 3 April 2025, dibandingkan dengan tarif sebelumnya yang tercatat pada Rabu 2 April 2025. Peningkatan tersebut dapat dilihat dalam berbagai tingkat kemurnian, yaitu dari 10 karat sampai 24 karat.


 Berikut detail mengenai biaya perhiasan emas untuk hari ini bersama dengan tingkat peningkatan harganya dibandingkan kemarin.

<h2>
 Harga Logam Mulia Perhiasan pada Tanggal 3 April 2025
</h2>
<h3>
 Harga Emas 10 Karat
</h3>
<ul>
 <li>
 Harga tiap gram:Rp705.495 (kenaikan sebesar Rp722,29)
 </li>
 <li>
 Harga setiap ons:Rp21.943.356 (kenaikan sebesar Rp22.465,83)
 </li>
 <li>
 Harga tiap kilogram: Rp705.495.292 (kenaikan sebesar Rp722.293,33)
 </li>
</ul>
<h3>
 Harga Emas 14 Karat
</h3>
<ul>
 <li>
 Harga tiap gram: Rp987.693 (kenaikan sebesar Rp1.011,21)
 </li>
 <li>
 Harga setiap ons:Rp30.720.699 (kenaikan sebesar Rp31.452,17)
 </li>
 <li>
 Harga tiap kilogram: Rp987.693.409 (kenaikan sebesar Rp1.011.210,66)
 </li>
</ul>
<h3>
 Harga Emas 18 Karat
</h3>
<ul>
 <li>
 Harga setiap gram: Rp1.269.892 (kenaikan sebesar Rp1.300,13)
 </li>
 <li>
 Harga tiap ons:Rp39.498.042 (kenaikan sebesar Rp40.438,50)
 </li>
 <li>
 Harga tiap kilogram: Rp1.269.891.526 (kenaikan sebesar Rp1.300.127,99)
 </li>
</ul>
<h3>
 Harga Emas 22 Karat
</h3>
<ul>
 <li>
 Harga tiap gram:Rp1.552.090 (kenaikan sebesar Rp1.589,05)
 </li>
 <li>
 Harga tiap ons: Rp48.275.384 (kenaikan sebesar Rp49.424,83)
 </li>
 <li>
 Harga setiap kilogram: Rp1.552.089.643 (kenaikan sebesar Rp1.589.045,32)
 </li>
</ul>
<h3>
 Harga Emas 24 Karat (Emas Asli)
</h3>
<ul>
 <li>
 Harga tiap gram:Rp1.693.189 (kenaikan sebesar Rp1.733,50)
 </li>
 <li>
 Harga per ons: Rp52.664.055 (naik Rp53.918,00)
 </li>
 <li>
 Harga per kilogram: Rp1.693.188.701 (naik Rp1.733.503,98)
 </li>
</ul>
<h2>
 Analisis Kenaikan Harga Emas
</h2>

 Kenaikan harga emas perhiasan pada hari ini menunjukkan tren positif dalam pasar emas. Emas 24 karat mengalami kenaikan terbesar, dengan peningkatan sebesar Rp1.733,50 per gram dibandingkan kemarin. Sementara itu, emas 10 karat juga mengalami kenaikan, meskipun dalam angka yang lebih kecil, yakni Rp722,29 per gram.


 Beberapa faktor yang menyebabkan peningkatan harga emas mencakup fluktuasi harga global emas, perubahan nilai tukar mata uang, serta kebutuhan yang semakin tinggi di pasaran domestik. Menghadapi trend harga yang selalu meningkat, situasi tersebut merupakan aspek penting untuk dipertimbangkan oleh para investor dan pemain pasar emas saat merancang strategi perdagangan mereka.

<h2>
 Rekomendasi
</h2>

 Menurut informasi tentang harga emas perhiasan pada hari Kamis, 3 April 2025, di bawah ini ada analisa serta saran mengenai langkah yang harus dipertimbangkan jika ingin membeli, menjual, melakukan pembelian kembali, atau menggunakan sebagai instrumen investasi.

<h3>
 Kenaikan Harga Emas Untuk Perhiasan Terus Berlanjut
</h3>

 Harga perhiasan berbahan dasar emas naik untuk seluruh tingkat karatnya mulai dari 10K sampai 24K jika dibandingkan dengan hari sebelumnya. Peningkatan tertinggi ditempati oleh emas 24K yang mencapai Rp1.733,50 setiap gram, sedangkan peningkatan terendah adalah pada emas 10K senilai Rp722,29 tiap gram.


 Kereta api ini mengindikasikan bahwa nilai emas tetap dalam kondisi bullish atau naik. Bila pola ini terus bertahan, kemudian bisa jadi logam mulia untuk perhiasan akan menjadi opsi invesmen yang memukau.

<h3>
 Rekomendasi untuk Pembelian
</h3>

 Pertimbangkan membeli apabila bertujuan sebagai investasi jangka panjang. Walaupun nilai emas cenderung meningkat, Anda tetap bisa mengakuisisi emas perhiasan dengan maksud tersebut. Tetapi harus diingat bahwa ada tambahan biaya pembuatan pada emas perhiasan yang membuatnya lebih mahal daripada emas batangan.


 Pembelian dapat dipertimbangkan bila diperlukan perhiasan. Apabila digunakan untuk keperluan sendiri, kenaikan harga sekarang belum begitu besar sehingga mengganggu.

<h3>
 Rekomendasi untuk Penjualan
</h3>

 Lepaskan posisi jika berminat untuk meraih laba dari peningkatan nilai. Mengingat bahwa harga emas tengah meningkat, melepas emas perhiasan pada masa ini dapat menjadi pilihan yang profitable, terutama buat mereka yang telah memborongnya di awal dengan anggaran lebih murah.


 Deferrakan transaksi penjualan apabila harga diperkirakan masih bisa merangkak naik. Bila perkiraan pergerakan harga emas mengisyaratkan kenaikan lanjutan dalam beberapa hari hingga pekan berikutnya, sebaiknya tunggulah untuk memperoleh laba yang lebih signifikan.

<h3>
 Saran untuk Penjualan Kembali ke Toko atau Pegadaian
</h3>

 Anda dapat melakukan pembelian kembali apabila memerlukan dana dengan cepat. Mengingat harga emas semakin naik, tindakan tersebut bisa jadi pilihan yang menarik untuk orang-orang yang mencari likuiditas.


 Perhatikan tarif buyback-nya. Saat akan menawarkan ulang perhiasan emasmu kepada gerai atau pegadangan, teliti dulu beda antara harga buyback dengan harga penjualan emas yang masih baru, biasanya nilai buyback cenderung lebih rendah.

<h3>
 Rekomendasi untuk Investasi
</h3>

 Investasi dalam emas terus menjadi pilihan yang menjanjikan, namun sebaiknya fokus pada emas batangan. Apabila bertujuan untuk investasi jangka panjang, alih-alih membeli emas perhiasan, lebih disarankan memilih emas batangan lantaran harganya yang lebih mudah diketahui serta tak adanya beban biaya pembuatan seperti halnya dengan emas perhiasan.


 Apabila masih berniat untuk menginvestasikan uang pada perhiasan emas, sebaiknya memilih kualitas yang lebih murni (22K hingga 24K). Perhiasan emas dengan kadar kemurnian tinggi akan memberikan nilai dasar yang lebih bagus daripada emas dengan kadar rendah.


 
 Kesimpulannya:
 

<ol>
 <li>
 Pembelian → Apabila maksud pembelanjaan adalah untuk tujuan investasi dalam waktu lama ataupun memenuhi keperluan individu.
 </li>
 <li>
 Jika berminat untuk memperoleh laba seiring dengan kenaikan nilai.
 </li>
 <li>
 Buyback → Pilihan tepat apabila memerlukan uang dengan cepat, namun pastikan untuk mengecek perbedaan antara harga pembelian dan penjualan kembali.
 </li>
 <li>
 Investasi → Sebaiknya pilih emas batangan dibandingkan dengan emas perhiasan, terkecuali jika emas perhiasannya memiliki kadar yang tinggi (22K-24K).
 </li>
</ol>

 Apabila trend peningkatan harga emas terus berlangsung, logam mulia ini masih merupakan opsi investasi yang menggiurkan. Akan tetapi, pengambilan keputusan untuk membeli ataupun melepasnya sebaiknya disesuaikan dengan sasaran keuangan individu masing-masing. ***

Harga Emas Perhiasan Naik Tipis Hari Ini: Rekomendasi Terbaik untuk Kamis, 3 April 2025

Unknown commerce, investing, investing market news, money, news

PIKIRAN RAKYAT - Harga perhiasan emas naik pada hari ini, Kamis 3 April 2025, dibandingkan dengan tarif sebelumnya yang tercatat pada Rabu 2 April 2025. Peningkatan tersebut dapat dilihat dala…

Should You Take Superannuation as a Lump Sum or an Income Stream? Find Out Which is Better!

Unknown income, investing, money, personal finance retirement, retirement planning

<img data-document-id="cms/api/amp/image/AA1uAzQE" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1uAzQE.jpg"/>

 Australians heading into
 retirement
 face a tough decision on how to access their hard-earned
 superannuation
 .


 The question is: Should you opt for a lump sum, an income stream, or a combination of both?


 And just like every broad-based question in life, it circles back to the cliched but truthful answer: "It depends".


 That's not ideal for someone seeking a more definitive answer, but what you can do is understand the pros and cons of both routes to obtaining your money. Here's a breakdown to help you make an informed choice.

<h2 class="wp-block-heading" id="h-options-for-accessing-superannuation">
 Options for accessing superannuation
</h2>

 When you retire, you can withdraw your super as a lump sum, convert it into an income stream, or combine the two. Each approach offers unique benefits and trade-offs.


 A single payment provides you full control over your complete superannuation funds right away, allowing you to utilize them for settling debts, making investments, or indulging in well-desired extravagances.


 
 Lump sumsÂ are typically
 tax-free for people aged 60 or above
 . However, not
 
 All funds provide this feature.


 As per MoneySmart, this superannuation choice might attract you if you carry high-interest debts or plan to make substantial one-time buys, like reducing the size of your house.


 However, investing significant sums initially might drain your retirement savings more quickly than anticipated, possibly resulting in reduced finances during your later years.


 Investing beyond your superannuation could subject you to increased tax rates compared to what’s offered inside the super system, particularly when trading shares or real estate.


 It largely hinges on what you project your yearly living costs will amount to. These projections should encompass elements such as vacations and doctor visits, among others.
 what type of retirement
 you wish for.


 The viability of this option can also hinge on your ultimate superannuation account balance. Those with larger balances may find this choice more appealing.

<h2 class="wp-block-heading" id="h-what-about-an-income-stream">
 How about generating an income stream?
</h2>

 When you have a steady flow of income, your superannuation gets transformed into consistent payouts, much like receiving a wage. These disbursements keep coming during your retirement, akin to a sinking fund, though they might be put back into investments as well.


 This approach provides a consistent earnings stream, tax-free investment gains, and might assist in safeguarding your retirement funds for future years.


 Revenue sources offer significant flexibility, enabling you to select payment schedules and amounts while adhering to minimum withdrawal requirements.


 Nevertheless, the maximum amount you can move into a retirement-phase account is limited to $1.9 million due to the transfer balance cap.

<h2 class="wp-block-heading" id="h-por-que-no-los-dos-why-not-both">
 Why not both?
</h2>

 A lot of people after retiring choose a blend of these options. They might withdraw part of their superannuation as a lump sum to handle upfront costs, while keeping the rest invested in an income stream for steady, ongoing financial support.


 It seems like you're getting everything at once, but there are some catches.


 Money continues to be utilized within the superannuation system, which means these funds may not be easily accessible when required. Others could find alternative investment opportunities where the capital might serve them better financially.


 Once again, this depends on the specific circumstances, but there are several methods to tap into the revenue stream, such as
 account-based stream and annuities.


 As stated by the Australian Tax Office, several tax offsets apply to the income portion as well.

<h2 class="wp-block-heading" id="h-superannuation-takeaway">
 Superannuation takeaway
</h2>

 Your choice between taking your superannuation as a one-time lump sum, an ongoing income stream, or combining both will depend on your individual situation.


 Every choice comes with advantages and disadvantages, making it essential to weigh them all to guarantee your superannuation aids in fulfilling your retirement aspirations.


 Regardless of the situation, having all the key information can assist in making sound choices.


 The post
 Is it preferable to withdraw your superannuation as a one-time lump sum or an ongoing income stream?
 appeared first on
 The Motley Fool Australia
 .

<div class="pitch-snippet">
 <h2>
 Should you invest $1,000 in S&P/ASX 200 right now?
 </h2>
 
 Before you buy S&P/ASX 200 shares, consider this:
 
 
 Motley Fool investing expert Scott Phillips just revealed what he believes are the
 
 5 best stocks
 
 for investors to buy right now... and S&P/ASX 200 wasn't one of them.
 
 
 The online investing service heâ€™s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*
 
 
 And right now, Scott thinks there are 5 stocks that may be better buys...
 
 
 See The 5 Stocks
 
 *Returns as of 7 November 2024
 
 
</div>

 
 More reading
 

<ul>
 <li>
 Here are the top 10 ASX 200 shares today
 </li>
 <li>
 The ASX 200 Index is on its way to another all-time high today. Here's why
 </li>
 <li>
 Fundie rates 2 ASX 200 stocks in short-term pain but with long-term gain potential
 </li>
 <li>
 5 things to watch on the ASX 200 on Friday
 </li>
 <li>
 Here are the top 10 ASX 200 shares today
 </li>
</ul>

 Motley Fool
 contributor
 Zach Bristow
 The Motley Fool Australia does not hold shares in any of the companies discussed. Additionally, Motley Fool Holdings Inc., which owns The Motley Fool Australia, also does not have positions in these stocks. Furthermore, The Motley Fool as an organization maintains no stake in any of the aforementioned stocks.
 disclosure policy
 This article includes solely general investment guidance (covered under AFSL 400691). Authored by Scott Phillips.

Should You Take Superannuation as a Lump Sum or an Income Stream? Find Out Which is Better!

Unknown income, investing, money, personal finance retirement, retirement planning

Australians heading into retirement face a tough decision on how to access their hard-earned superannuation . The question is: Should you opt for a lump sum, an income stream, or a combination …

Growth Stock Plunges 60%, Becoming a Hot Buy Amid Nasdaq's Correction

Unknown business, investing, investing market news, investing news, news

<img data-document-id="cms/api/amp/image/AA1BLFEF" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1BLFEF.jpg"/>

 Following outstanding displays in 2023 and 2024 that led to a two-year increase of 84.5%, the
 
 Nasdaq Composite
 
 It plummeted to 17,303.01 on March 13—a decline of 14.2% from its peak of 20,173.89 reached on December 16. This dip surpassed the 10% threshold, pushing the index into correction territory. Despite some minor gains recently, the Nasdaq Composite remains approximately 10% below its former high point.


 It’s uncertain whether things will shift direction soon from this point onward. Nevertheless, history shows us that numerous instances of stock market downturns were often succeeded by robust rebounds. As per information compiled by Clearnomics and Standard & Poor's and interpreted by Covenant Wealth Advisors, markets typically plunge over a span of about five months before recovering within roughly four months on average. Even though previous patterns shouldn’t be relied upon to forecast what might happen next, they do provide insight into recurring tendencies.


 
 Start Your Mornings Smarter!
 
 Wake up with
 
 Breakfast news
 
 In your inbox each trading day.
 
 
 Register Now for Free »
 
 


 Given this circumstance, it might be an appropriate moment to put money into top-tier, economically stable firms that have robust competitive advantages and are currently being traded at reduced prices. An example of one such equity is
 
 The Trade Desk
 
 
 (NASDAQ: TTD)
 
 Its shares have dropped by approximately 52% in 2025 and are down by 60.2% from their peak reached in December.


 Numerous factors suggest that this significant downturn might present a compelling opportunity for long-term investors with a tolerance for brief market fluctuations to initiate positions.

<h2>
 Temporary setback
</h2>

 The Trade Desk's outcomes for the fourth quarter were underwhelming as
 revenue
 failed to meet both the expectations set by financial analysts and the forecasts provided by company leadership. CEO Jeff Green pointed out that this shortfall in revenue was due to operational errors during a corporate restructuring effort in December. This initiative involved clarifying job duties, changing how information flows within the organization, and focusing more on improving internal efficiency and adaptability.


 After the firm resolves these implementation challenges, the chance of reinstating its growth path stays strong.

<h2>
 Multiple tailwinds
</h2>

 The Trade Desk serves as a standalone demand-side platform (DSP) designed to assist advertisers in effectively placing their ads across multiple content platforms. By 2024, the firm had facilitated almost $12 billion worth of ad spend through its platform—over 1% of the total $1 trillion global advertising sector. This indicates substantial potential for further expansion within the marketplace.


 Streaming television represents the firm's quickest-expanding ad category, contributing over 45% to their revenues during the final quarter. As more audiences transition from traditional broadcast TV to online platforms, the proportion of ads shown on connected TVs within the company’s overall income distribution is anticipated to increase significantly in upcoming periods.


 In contrast to prominent rivals like
 
 Alphabet
 
 and
 
 Amazon
 
 , which have their own ad inventory and operate "walled gardens" in an effort to keep clients' spending within their ecosystems, The Trade Desk does not own any ad inventory. This allows it to focus solely on placing ads in a manner that is most beneficial and optimal for advertisers based on factors such as price and audience targeting.


 Given that it doesn’t have any conflicting interests, The Trade Desk appears more transparent and impartial compared to its “walled garden” rivals. This enhances client confidence in their services. According to CEO Jeff Green, he anticipates that Google might ultimately withdraw from the open internet as a result of increasing antitrust concerns and regulatory scrutiny. He believes this could create fresh prospects for The Trade Desk.


 Centering around objectivity, The TradeDesk is progressively developing a robust retail data ecosystem. This advancement allows advertisers to gain deeper insights into conversion rates and measure how their advertising expenditures influence consumer behavior more effectively.


 The Trade Desk envisions substantial expansion possibilities within the audio sector, a space that CEO Jeff Green characterized as "currently offering some of the best deals available on the open internet." Numerous prominent figures in digital audio have embraced the firm’s Unified ID 2.0 (UID2) solution, an approach that operates independently from cookie-based advertising methods.


 Ultimately, The Trade Desk was among the first to embrace artificial intelligence (AI) technology. By 2023, they had introduced Kokai, an AI-driven media purchasing tool that assists clients in making more informed decisions with enhanced data and signals, resulting in greater returns from their advertising investments.

<h2>
 Strong Financials
</h2>

 In 2024, The Trade Desk saw its revenue increase by 26%, totaling $2.4 billion. Additionally, the firm announced an adjusted EBITDA margin surpassing 41%, along with a cash flow above $630 million for the same year. Furthermore, The Trade Desk maintains a robust financial position, holding $1.9 billion in cash and short-term investments alongside minimal debt.

<h2>
 Valuation
</h2>

 The Trade Desk is currently trading at approximately 11.4 times its sales, which is below its historic price-to-sales ratio of 22.9. Although the firm’s price-to-earnings ratio stands at 72.2, making it seem quite high, this figure remains significantly under its five-year average of 125.2. Given the strong growth prospects ahead and its relatively low current valuation, investing in The TradeDesk seems like a prudent move right now.

<h2>
 Is it wise to invest $1,000 in The Trade Desk at this moment?
</h2>

 Before purchasing stocks in The TradeDesk, keep this in mind:


 The
 Motley Fool Stock Advisor
 The analyst team has just pinpointed what they think could be the
 
 10 best stocks
 
 For investors looking to purchase now... The Trade Desk was not among them. Instead, these 10 stocks were selected and have the potential to generate substantial gains over the next few years.


 
 
 Consider when
 
 Nvidia
 
 created this list on April 15, 2005... should you have invested $1,000 following our suggestion,
 
 you’d have $697,245
 
 
 !*
 
 
 


 
 
 Now, it’s worth noting
 
 
 
 Stock Advisor
 
 
 
 's overall average return is 849%, which significantly outperforms the market.
 
 
 166%
 
 
 For the S&P 500. Don’t miss out on the updated top 10 list, which becomes accessible upon joining.
 Stock Advisor
 .
 
 


 
 Check out the 10 stocks here »
 


 
 *Stock Advisor performance returns as of March 24, 2025
 

None

Growth Stock Plunges 60%, Becoming a Hot Buy Amid Nasdaq's Correction

Unknown business, investing, investing market news, investing news, news

Following outstanding displays in 2023 and 2024 that led to a two-year increase of 84.5%, the Nasdaq Composite It plummeted to 17,303.01 on March 13—a decline of 14.2% from its peak of 20,173…

Nasdaq Rebounds: Snag These Top 3 AI Stocks Before They Take Off

Unknown business, investing, investing top stocks, investing news, stocks

The
 
 Nasdaq
 
 , an index that had been surging over the past two years, did quite the opposite during much of March. The benchmark entered correction territory earlier in the month, indicating it dropped more than 10% from its peak in December. The cause of this change? Worries among investors rằng
 President Donald Trump's plan
 Implementing a sequence of import duties might adversely affect domestic expansion. Stocks focused on growth tend to be quite responsive to economic conditions; therefore, during times of doubt, these are typically among the first to decrease in value.


 However, recently, the outlook has improved. President Trump’s most recent remarks indicate some willingness to adjust the enforcement of tariffs, which has led investors to become more optimistic about potential limitations on their effect on businesses and the overall economy. This renewed hope drove an upsurge in the Nasdaq, pulling it away from the correction territory early this week; nonetheless, the index has fluctuated since then.


 
 Where should you put your $1,000 investment at this moment?
 
 Our analysis group has just disclosed their insights into what they consider to be the
 
 10 best stocks
 
 to buy right now.
 
 
 Learn More »
 
 


 The Nasdaq has regained some ground from recent declines, yet numerous stocks remain attractively priced—or at worst, fairly valued—including those involved in the lucrative and rapidly expanding field of artificial intelligence (AI). Here are three top picks among AI-focused equities you might want to consider acquiring before their value climbs significantly higher.

<div class="image">
 <img data-document-id="cms/api/amp/image/AA1BKxhi" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1BKxhi.jpg"/>
</div>
<h2>
 1. Palantir Technologies
</h2>

 
 Palantir Technologies
 
 
 (NASDAQ: PLTR)
 
 The momentum appeared unrelenting until more recent periods. The AI software firm experienced the largest increase in value during this time.
 
 S&P 500
 
 Last year, it surged by 340% and reached an all-time peak in February. Investors have shown enthusiasm due to the firm's robust double-digit revenue expansion across both its sectors: governmental and commercial.


 Palantir offers these clients AI-powered platforms designed to assist them in collecting and effectively utilizing their data. These solutions frequently yield remarkable outcomes, enhancing productivity, controlling costs, and much more. What stands out for me is Palantir’s consistent ability to maintain a healthy equilibrium between expansion and profit generation, evidenced by the continuous rise in its Rule of 40 metric. Achieving a score above 40% signifies strong performance in both areas. With a current figure of 81%, Palantir undoubtedly demonstrates exceptional success in striking this balance.


 Today, Palantir's future price/earnings-to-growth (
 PEG) ratio
 A valuation metric that takes into account growth stands at 0.8. If this figure falls below 1, it could indicate that the stock might be undervalued. Following its 24% decline from the highest point, this seems like an excellent opportunity to invest.

<h2>
 2. Amazon
</h2>

 What I love about
 
 Amazon
 
 
 (NASDAQ: AMZN)
 
 is the detail that the firm is
 using AI
 to enhance its own operations
 and
 Amazon is leveraging AI-driven goods and solutions via its cloud computing division to fuel revenue expansion. Consequently, this major player in both online retail and cloud technology is harnessing AI throughout its business processes. This strategic approach has proven successful, reducing costs associated with serving customers in e-commerce and contributing significant additional revenues to their cloud profits.


 I anticipate this trend will persist due to Amazon Web Services' (AWS) leadership in the cloud industry—it holds the number one spot worldwide—and the substantial predicted expansion of the AI sector. Additionally, we find ourselves at an initial phase where businesses are developing their own platforms. Applying AI to everyday operations isn’t yet commonplace across all enterprises. Therefore, AI has significant potential to fuel AWS’s growth over the coming years. Given that AWS constitutes the primary source of profits for Amazon, this development carries major implications.


 Currently, Amazon’s shares are trading at 32 times future earnings projections, which is lower than the 45 times they were valued at a few months back — making it an attractive buy for this artificial intelligence stock poised to rise with any favorable AI-related updates.

<h2>
 3. Meta Platforms
</h2>

 
 Meta Platforms
 
 
 (NASDAQ: META)
 
 It is primarily recognized for its suite of applications that likely fill up your smartphone—ranging from Facebook and Messenger to WhatsApp and Instagram. Over 3.3 billion individuals utilize at least one of these platforms every day. This widespread presence in social media has enabled Meta to demonstrate its capabilities in artificial intelligence. In 2023, the company introduced Meta AI, which has since become the leading global AI assistant.


 Meta aims to succeed in artificial intelligence by integrating it throughout its various platforms and refining AI-powered helpers to better cater to user demands. This strategy may encourage people to use Meta’s applications more frequently, which would then attract advertisers to allocate greater portions of their budgets towards these platforms to connect with audiences. To achieve this and other AI objectives, Meta is making substantial investments—upwards of $65 billion this year—to build extensive data centers and boost the quantity of AI-specific processors they possess. Additionally, the corporation has developed custom-designed AI technologies.
 large language model
 (Meta’s large language model) and has released it as open-source — a step that might cement Meta’s role as an frontrunner in the AI sector.


 Currently, Meta's stock is trading at 24 times future earnings projections, which has dropped from its peak of 29 times a couple of weeks back—a great chance to buy since this emerging AI frontrunner might spike upward anytime now.

<h2>
 Is investing $1,000 in Palantir Technologies at this moment a good idea?
</h2>

 Before purchasing stock in Palantir Technologies, keep this in mind:


 The
 Motley Fool Stock Advisor
 The analyst team has just pinpointed what they think could be the
 
 10 best stocks
 
 For investors looking to purchase now... Palantir Technologies was not among those selected. The 10 stocks that were chosen have the potential to generate substantial gains in the upcoming years.


 
 
 Consider when
 
 Nvidia
 
 created this list on April 15, 2005... should you have invested $1,000 following our suggestion,
 
 you’d have $739,720
 
 
 !*
 
 
 


 
 
 Now, it’s worth noting
 
 
 
 Stock Advisor
 
 
 
 ’s total average return is 870% — a market-crushing outperformance compared to
 
 
 167%
 
 
 For the S&P 500. Don’t miss out on the updated top 10 list, which becomes accessible upon joining.
 Stock Advisor
 .
 
 


 
 Check out the 10 stocks here »
 


 
 *Stock Advisor performance returns as of March 24, 2025
 


 John Mackey, who previously served as the CEO of Whole Foods Market—an entity now owned by Amazon—is part of The Motley Fool’s board of directors. Additionally, Randi Zuckerberg, formerly responsible for market development and communications at Facebook and sibling to Meta Platforms CEO Mark Zuckerberg, also sits on The Motley Fool’s board.
 Adria Cimino
 has investments in Amazon. The Motley Fool holds stakes in and endorses Amazon, Meta Platforms, and Palantir Technologies. The Motley Fool has a
 disclosure policy
 .

Nasdaq Rebounds: Snag These Top 3 AI Stocks Before They Take Off

Unknown business, investing, investing top stocks, investing news, stocks

The Nasdaq , an index that had been surging over the past two years, did quite the opposite during much of March. The benchmark entered correction territory earlier in the month, indicating i…