An equal $100,000 split across SGOV, JAAA, and CLOZ generates roughly $465 monthly at a blended 5.6% yield, no dividend stocks required.
CLOZ's 7.35% trailing yield on BBB-B rated CLO tranches drives $204 of the monthly income but carries the portfolio's highest credit risk.
Floating-rate CLO coupons in JAAA and CLOZ keep effective duration near zero, shielding principal from long-term rate swings while outpaying Treasury bills.
Read More: Avoid these 13 retirement mistakes before they derail your future (sponsor)
Income investors do not have to own dividend stocks to generate a meaningful monthly check. An equal $100,000 split across the iShares 0-3 Month Treasury Bond ETF (NYSEARCA:SGOV), Janus Henderson AAA CLO ETF (NYSEARCA: JAAA), and Eldridge BBB-B CLO ETF (NYSEARCA:CLOZ) currently produces roughly $465 a month based on trailing distribution yields. The portfolio gets there without owning a single dividend stock and with very little traditional interest-rate exposure. Instead, SGOV owns Treasury bills, while JAAA and CLOZ invest in floating-rate collateralized loan obligations. That combination gives income investors three different steps up the risk ladder without requiring a move into equities.

#income #Dividend

Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.
Mortgage rates continue to rise as 2026 nears its fourth quarter. What is the outlook for home loan rates in the next five years? Should you wait for mortgage rates to fall significantly before buying or refinancing? Mortgage interest rates are determined by several factors, all of which can give us clues about the future. Let's take a closer look at mortgage rate predictions over the next five years.
Here are the housing market predictions for 2026.
One of the most useful indicators for predicting mortgage rates is the yield on the 10-year U.S. Treasury note. Mortgage rates and 10-year Treasury yields typically move in the same direction, although mortgage rates are usually higher because lenders factor in additional risks. This difference is known as the spread, and we'll account for it when estimating where mortgage rates could go.
With that in mind, the first step is to look at where economists believe Treasury yields are headed over the next five years. To build a forecast, we'll combine expert economic projections with data compiled using artificial intelligence.

#next #five

Winnie the Pooh probably isn't the investment guru that first comes to mind when you think about Wall Street. And yet he has offered some pretty sage investing advice: "Doing nothing often leads to the very best of something." The history of investing over the past 50 years very clearly shows that this fictional, honey-loving bear could be on to something. Here's why.
Turning to a real person, iconic investor Warren Buffett, the former CEO of Berkshire Hathaway (NYSE: BRKA)(NYSE: BRKB), has said that "Investing is not a game where the guy with the 160 IQ beats the guy with the 130 IQ. Once you have ordinary intelligence, what you need is the temperament to control the urges that get other people into trouble in investing."
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
The issue of temperament is where Buffett and Pooh intersect. That's because the S&P 500 index's (SNPINDEX: ^GSPC) history shows that Wall Street switches between bull and bear markets in a zigzag fashion, while generally moving higher over time. The chart below shows that simply buying and holding the S&P 500 index would have yielded a positive long-term outcome if you had the temperament to do nothing while it gyrated in the short term.
In fact, Warren Buffett has actually suggested that most investors would be better off just buying the S&P 500 index and... doing nothing. That's not entirely true; Buffett would likely recommend continuing to regularly buy an S&P 500 index ETF, such as SPDR S&P 500 ETF (NYSEMKT: SPY) or Vanguard S&P 500 ETF (NYSEMKT: VOO), regardless of market conditions.

#buffett #pooh #wall

Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below.
The flagship private credit fund of Cliffwater LLC capped redemptions at 5% in Q3 after investors asked to redeem approximately 16% of shares.
Cliffwater Corporate Lending Fund told shareholders in a letter Thursday that it would fulfill approximately one-third of redemption requests, according to a shareholder letter seen by Bloomberg.
Cliffwater's Chief Executive Officer Stephen Nesbitt said in the letter the firm "remains committed to acting in the best interests," of its shareholders. Nesbitt added that investors who have requested cash since Q1 have received approximately 78% of capital.
Read Also:Brookfield Could Pull $600 Million From HomeServe in Debt Deal

#investors #benzinga

Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below.
To most people, being $12 million in debt sounds like an absolute nightmare. But for Michael Elefante and his wife, it's the price of financial freedom.
In a recent X post, Elefante told his story. He and his wife walked away from six-figure jobs, borrowed hundreds of thousands to buy their first home in Nashville and listed it on Airbnb (1). The gamble paid off. The property earned enough to cover the mortgage and then some.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
JPMorgan sees gold hitting $5,000/oz by Q4 — and savvy investors are protecting their wealth with a tax-advantaged Gold IRA. Get your free guide from Priority Gold

#elefante #airbnb

Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.
Why we like it: The Amex Blue Cash Everyday offers up to a $7 monthly statement credit when you use your enrolled card for an eligible subscription purchase, including a bundle purchase, at DisneyPlus.com, Hulu.com, or Stream.Espn.com U.S. websites. Combining that with its everyday earning rate and no annual fee makes this card a keeper.
Read our full Amex Blue Cash Everyday review
Why we like it: For a reasonable annual fee, the Amex Blue Cash Preferred offers a higher rewards rate than the Amex Blue Cash Everyday, including 6% cash back on select U.S. streaming subscriptions. You can also get up to a $10 monthly statement credit when using your enrolled card for an eligible subscription or bundle purchase at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites.
Read our full Amex Blue Cash Preferred review

#offers

Trump's Venezuela deal grants U.S. companies majority control of 65 billion barrels, pushing total U.S.-accessible proven reserves to 7.1% of global supply.
Venezuela's extra-heavy crude demands specialized refining and major infrastructure repairs, meaning production gains will take years rather than months to reach consumers.
Chevron's existing Venezuelan joint ventures and strong free cash flow position it as the clearest near-term beneficiary of the new hydrocarbons framework.
Act now: the ******* yst who called NVIDIA in 2010 just named his top 10 AI stocks — and Chevron didn't make the cut. Grab the names FREE today.
Oil markets have spent 2026 wrestling with supply disruptions, Strategic Petroleum Reserve drawdowns to multi-decade lows, and stubborn pump prices that refuse to cooperate with political calendars.

#NVIDIA #chevron #strategic #petroleum

Micron (MU) holds a $955 price target, backed by 16 take-or-pay customer agreements and over $1 billion in HBM4 revenue already booked.
Micron outguns NVIDIA (NVDA) and Western Digital (WDC) on gross margin at 85% while trading at a forward P/E of just 6.
Act now: the ****** yst who called NVIDIA in 2010 just named his top 10 AI stocks — and Micron Technology didn't make the cut. Grab the names FREE today.
Micron Technology (NASDAQ:MU) sits at the center of the AI memory trade. With NVIDIA (NASDAQ:NVDA) reporting later this week, the setup for its lead HBM supplier warrants careful pricing. Micron has run from the mid $120s a year ago to $910.43, and our proprietary model sees room to run into the earnings report.
Our 24/7 Wall St. price target for Micron is $954.59 over the next 12 months, implying 4.85% upside from Monday's close. The model returns a hold at high confidence (90%), reflecting a stock near fair value after a violent revaluation but tethered to the strongest memory cycle on record.

#NVIDIA #technology #target #memory

Dave Ramsey bluntly told Lucy her 35-year-old husband should have cut his parents' phone plan a full decade ago.
At roughly $50 a month, the husband's parents have paid about $6,000 over 10 years for his single phone line.
Audit 90 days of bank statements, price independent phone plans in the range of $25 to $45 a month, and set a firm date to transfer every account.
Are you ahead, or behind on retirement? SmartAsset's free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don't waste another minute; learn more here.
Lucy, a 34-year-old caller from Charlotte, phoned into The Ramsey Show to settle a marriage debate. She and her 35-year-old husband got married in January, combined their finances, and opened a joint checking account.

#lucy

Aug 19 (Reuters) - Coty on Wednesday posted a surprise increase in fourth-quarter revenue on resilient demand for fragrances and cosmetics, and said fiscal 2027 ‌would be a "transition year" as it conducts a strategic review to ‌focus on its key brands.
The company is advancing its "Coty. Curated." strategy to simplify its business and conducting a review of the consumer beauty division, at a time when geopolitical conflicts and economic uncertainty have made customers tighten spending.
The review, expected to complete by year-end, could lead to the sale of brands such as CoverGirl and Rimmel.
The initiative, along with a ‌cost-reduction program, would help offset ⁠a likely sales hit in fiscal 2028 from its early return of Gucci Beauty license to Kering , and support profit growth from ⁠fiscal 2029, Coty said.
Coty's net revenue rose 1.3% to $1.27 billion in the quarter ended June 30, compared with ******* ysts' average estimate of a 4.6% decline, according to data compiled by LSEG.

#wednesday

Chip stocks are back in a
bull market
after spending just 21 days in bear market territory, but that’s where the good news ends.
Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
All three major stock indexes lost ground on a slow summer trading day.

#company #rights #stocks

MAI Capital Management has acquired Waypoint Wealth Counsel, an Atlanta registered investment adviser (RIA) focused on financial planning, portfolio management and advisory work.
Financial details were not made public.
Waypoint manages about $490m in ******* ets and works with more than 100 client households.
The business was set up in 2014 by Brad McGrew and Matthew Woods, who had previously worked at brokerage firms, banks and other RIAs.
Woods said: "Joining MAI allows us to combine the local relationships and market knowledge we have built over more than a decade with the resources of a national firm. Through MAI's platform, including its Evoke ultra-high-net worth team, we're looking forward to the added depth and investment expertise, particularly as it relates to delivering on the needs of the clients we are fortunate to serve."

#financial #capital

Management had named the plan exits, the Medicare margin target and the repricing date before the run began.
UnitedHealth (UNH) Group stock has climbed 65% over the past year, against 22.5% for the S&P 500, 50.6% for peer CVS and 2.4% for peer CI. The easy reading is that a difficult stretch simply ended across managed care. The operating change behind UnitedHealth's own earnings step was more specific, and management had described it, with numbers and a date attached, before the run began.
The Plan Exits Management Named A Year Ago
In late July 2025, before the run began, management said it would exit Medicare Advantage plans then serving over 600,000 members, primarily in less managed products such as PPO offerings. The company was also shifting to narrower networks in Medicare Advantage. Those are not forecasts but operating decisions with a date on them, and they meant 2026 earnings would come from a smaller Medicare book, not a bigger one.
The Margin Target And The Repricing Date Were Public Too

#date #named #Margin

Soybeans are trading with Monday AM 3 to 7 cent gains. Futures were mostly 1 to 3 cents lower, with August down 11 ¾ cents on the week. The cmdtyView national average Cash Bean price was up a penny at $11.33 ¾. Soymeal futures were down $2.60, with August down $6 last week. Soy Oil was up 40 to 50 points, with bean oil up 98 cents for the week.
A private export sale of 238,000 MT of soybeans was reported to China on Friday morning for 2026/27.
What Do Cost of Carry Tables Tell Us Heading Into Fall Harvest?
What Was Driving Markets Early Monday Morning?
Coffee Prices Turn Lower on Drier Brazil Weather

#cents #Monday

Commercial **** e and defense equities continue to draw investor attention, but CNBC's Mad Money host Jim Cramer took a cautious stance on higher-risk plays in the sector on August 5. When asked about Rocket Lab Corporation (NASDAQ:RKLB), Cramer dismissed the stock as speculative while steering investors toward Voyager Technologies, Inc. (NYSE:VOYG):
Pure spec, that's the problem. It's a pure spec. I like that Voyager. We had that fella on last night, Voyager… I like the Voyager.
Cramer's preference for Voyager Technologies, Inc. (NYSE:VOYG) follows its second-quarter earnings report, which he reviewed during the August 4 episode after interviewing management. Cramer highlighted the expanding government defense contracts, sequential revenue acceleration, and a growing backlog and said:
When you look at this phenomenal run in Voyager Technologies, the **** e and defense company that makes key components for satellites, missiles, and **** ecraft, it's been racking up government contracts left and right. Last night, Voyager reported a very strong quarter with revenue up 51% just versus the previous 3 months, a narrower-than-expected loss, and the backlog jumping 22% sequentially. That's versus last quarter, not last year. Management said that demand is building faster than they can convert it into revenue. High-quality problem. They also raised their full-year revenue forecast pretty substantially. Some of that's thanks to the recent acquisition of Astrobotic. That's a **** e robotics play... The stock jumped 14% yesterday even before the quarter and then rallied another 19.6% today in response to these results, although it's still down roughly 55% from its post-IPO highs last summer. So maybe you haven't missed as much as you might think.
It is worth noting that data tracked by Insider Monkey shows shifting hedge fund sentiment between the two **** e companies entering 2026. Elite hedge fund holders in Rocket Lab Corporation (NASDAQ:RKLB) declined from 45 in the fourth quarter of 2025 to 43 in the first quarter of 2026. On the other hand, hedge fund ownership in Voyager Technologies, Inc. (NYSE:VOYG) expanded during the same period, rising from 35 holders in Q4 2025 to 37 in Q1 2026.

#technologies #revenue

Our **** ysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here.
Achieved 4% currency-neutral net sales growth driven by the One Interface strategy, which integrates global functions to support local selling teams and enhances commercial productivity.
Performance was broad-based across all regions and segments, with Healthcare notably delivering 19% global billings growth on top of a 28% comp from the prior year.
Operational improvements, including automation and robotics in Europe and Australia, contributed significantly to margin expansion by reducing costs and increasing throughput.
The Corporate Office segment grew 5% globally, benefiting from a 'flight to quality' in Class A **** es and the need for companies to redesign offices for collaboration and talent retention.

#NVIDIA #Europe