A financing mechanism that gained traction among private equity firms in recent years has cooled off in 2026. Fading optimism about the exit market could, however, spark a turnaround in the final months of the year.
Dividend recapitalizations, in which companies borrow money to pay dividends to shareholders, are down roughly 40% year-over-year, according to data from PitchBook-LCD.
Recaps financed through the US broadly syndicated loan market, by some distance the largest capital source for these loans, totaled $28.69 billion in the year through Sept. 2, down 39% from $47.4 billion over the same period in 2025.
There were $72.2 billion of dividend recaps in full-year 2025—the second-highest annual volume recorded.
The average size of a dividend recap in 2026 also compressed, to $541 million from $668 million a year earlier.

#market #million #fading

Personal loans are dangerously easy to get. You can have cash in your account the same day you apply — no collateral, minimal friction, maximum temptation. And that's exactly the problem. Just because you can borrow doesn't mean you should. The difference between a smart financial move and a debt spiral often comes down to one thing: understanding why you're borrowing in the first place.
Personal loans aren't inherently good or bad. They're a tool. And like any tool, they can either solve your problem or make it worse. Below, we break down the situations where borrowing actually makes sense and the ones where walking away is the smarter play.
Personal loans hover around 12% APR for borrowers with solid credit. Credit cards? Try 20%. If you're juggling multiple cards with balances, rolling that debt into a single personal loan can save you serious money on interest. Plus, you get one predictable payment instead of the payment shuffle.
But the catch is that you actually have to stop using your credit cards. Too many people consolidate their debt, feel relieved and then rack up new balances within a year. Now they've got two problems instead of one. So, before you borrow, compare rates, map out your payoff timeline and be honest about your spending habits. If you know you'll just max out those cards again, a personal loan won't save you. It'll only bury you deeper.
Your credit utilization ratio — basically, how much of your available credit you're actually using — accounts for 30% of your FICO credit score. Since personal loans are installment debt, they don't count toward that ratio the way credit cards do.

#debt #borrow #down

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Oracle (NYSE:ORCL) could become a weak link in the AI boom if OpenAI runs into trouble, according to Council on Foreign Relations senior fellow Sebastian Mallaby.
"If OpenAI runs into trouble, I think we can say that there's a good chance that Oracle may also run into trouble," Mallaby said on CFR's The Spillover podcast, pointing to Oracle's heavier debt load and dependence on OpenAI.
The warning comes as OpenAI CEO Sam Altman says he is seeing signs of "unsustainable silliness" in the wider compute buildout.
Mallaby said Alphabet, Amazon, Microsoft and Meta entered the AI boom with stronger balance sheets and more room to fund expansion internally. Oracle, by contrast, has relied much more heavily on borrowing to finance its data-center buildout.

#oracle #finance #runs

Financial regulators warn about nearly everything. That is the job.
Most of those warnings sound alike after a while, which is why the useful signal is rarely the warning itself.
It is the ranking.
Twice a year, ahead of the G20 finance ministers and central bank governors' meetings, the Financial Stability Board sends a letter laying out what is most likely to break next in the global financial system.
Those letters tend to open with the same cast of characters. Sovereign debt markets. Private credit. ***** et valuations that have run ahead of themselves. Borrowed money sitting somewhere ***** ody has checked recently.

#twice #stability

This story was originally published on CRE Daily. Join 70,000+ commercial real estate professionals getting daily news, market insights, and industry ***** ysis delivered straight to their inbox with the free CRE Daily newsletter.
National Resources, Great Point Studios, and Lindsay Goldberg refinanced their 719,943-square-foot "Hollywood on the Hudson" studio portfolio in Yonkers for $435 million.
The floating-rate loan from Bank of Montreal, Starwood Mortgage Capital, and Bank of America replaces $376.8 million in debt and funds tenant improvements.
The portfolio is 98.9% leased with Lionsgate Studio Corp. alone occupying 52.5% of the ***** e, underscoring strong demand for film and TV production real estate.
A four-building Yonkers film studio and office portfolio has landed a $435 million refinancing, according to Commercial Property Executive. The borrower, a joint venture between National Resources, Great Point Studios Operations, and Lindsay Goldberg, used the floating-rate loan to retire $376.8 million in prior debt on the 719,943-square-foot "Hollywood on the Hudson" portfolio, with the balance covering closing costs, equity returns, and tenant improvements.

#Portfolio #national #point #lindsay

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Sept. 2, 2026 11:32 am ET
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Here’s a surprise about the countries at the center of the bond-market selloff: They’re all borrowing far less than Uncle Sam.

#selloff

By Michael S. Derby
Sept 2 (Reuters) - Federal Reserve Bank of New York President John Williams said on Wednesday rising long-term bond yields aren't driven by inflation fears but are instead a reflection of a solid economy, in ‌comments that also said he was still collecting information to drive his next monetary policy decision.
In terms of the ‌increase in real-world borrowing costs, "what's driving it…is really a strong U.S. economy and a strong economic outlook fueled by big investments in AI and data centers and technology in general, so I see this as more of a reflection of the strength of the economy," Williams said on CNBC.
Williams downplayed the idea that worries over inflation are driving a surge in borrowing costs. Market moves have rattled investors and even prompted action by the Treasury Department aimed at helping limit the increase.
Williams indicated that higher borrowing costs, which in theory should create restraint on economic activity, ‌don't definitely drive the monetary policy choices of ⁠a central bank that must take responsibility for getting too-high levels of inflation back to the 2% target.

#williams

There's a famous line in The Big Short when a baffled Mark Baum, after hearing some finance bros casually admit to issuing fraudulent, high-risk loans to unqualified borrowers, asks his colleagues: "I don't get it. Why are they confessing?"
"They're not confessing. They're bragging," comes the response.
Naturally, people thought of this when ex-Premier League referee Mike Dean made his latest attempt to shove himself into the spotlight. On Jamie Vardy's Having a Party podcast, he "admitted" to playing secret mini-games while officiating top-flight matches.
He claimed: "We used to say, 'Right, we'll kick off now, right? See how long we can go without blowing a whistle.' Done that a few times in the Premier [League], before VAR obviously. Went 20-25 minutes without blowing a whistle a few times. Let it go, let it go, let it go." He also said he would try and stay within the confines of the centre circle for as long as possible, once reaching the 15-minute mark on that particular side-quest.
Mike Dean's claim that he played secret mini-games during matches has sparked outrage (PA Archive)

#mike #mark #secret #games

By Ankur Banerjee, Harry Robertson and Laura Matthews
SINGAPORE/LONDON/NEW YORK, Sept 2 (Reuters) - Bond prices continued to slide in Asia and Europe on Wednesday, pushing borrowing costs to multi-decade highs as the Middle East conflict drives up energy prices and layers concerns about inflation on top of worries about ballooning government debt.
Sovereign bond yields are a reference point for ******* et prices across financial markets and the higher price of ‌money means elevated mortgage rates for consumers and tough choices for government spending as funding costs climb.
Japan's 10-year yield was perched above 3% for the first time in 30 years, while rising gas prices meant German ‌10-year Bund yields were stuck at their highest since 2011 and Britain's equivalent was at its highest since 2008. Yields rise as prices fall and vice versa.
A confluence of factors was at play, said State Street's head of macro strategy, Michael Metcalfe, with rising energy prices causing traders to bet on rate hikes, pushing up short-dated yields.

#prices #yields #bond #costs

The yield on the 10-year U.S. Treasury note rose more than 3 basis points Tuesday to 4.79%. Driven higher by concerns over the latest flare-up in the war against Iran and its effects on fuel costs and inflation, the yield touched its highest level since January 2025 in trading during the day.
The continuing bond selloff has driven up government borrowing costs around the world. Eshe Nelson of The New York Times noted today that ******* an is seeing 10-year yields above 3% for the first time in 30 years and Germany now has the highest 10-year rates since 2011 (see the Times's chart below).
"A combination of factors are prompting investors to demand higher returns to hold government debt: a flood of borrowing by the world's richest nations, expanding budget deficits, persistent inflation and few signs that countries are able or willing to take steps to improve these conditions," Nelson wrote.
Ulrike Hoffmann-Burchardi, chief investment officer of the Americas at UBS, said she expects to continue to see heightened volatility in the bond market. "With no clear path to reopening the Strait after six months of war, inflation worries remain elevated," she said in a note, per CNBC. "Uncertainty over the Federal Reserve's policy outlook, fiscal concerns, and rising AI-related debt issuance have all kept bonds under pressure."
Ed Al-Hussainy, a portfolio manager at Columbia Threadneedle, told the Times that it's difficult to "disentangle" the causes of the rate surge. "The only thing we can say right now is that they're all pointing in the same direction," he said, "and that's in the direction of higher rates, and they're doing it globally."

#nelson #driven

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When Treasury yields reach multiyear highs, some investors get nervous. Higher bond yields are triggered by lower bond prices, and the effects are felt across the financial spectrum: from investing in stocks and bonds to borrowing costs and savings returns.
Global bond yields are gripping markets, jumping back to their highest level in almost two decades as higher oil prices, inflation fears, and heavy government borrowing continue to add pressure.
Here is how rising Treasury yields could impact your finances, including mortgages, credit cards, and car loans.
The Treasury yield is the return an investor receives for lending money to the government — for example, 4.5% on a 10-year Treasury note.

#prices #disclosure

The S&P 500 Index ($SPX) (SPY) closed down by -0.71% on Tuesday, the Dow Jones Industrial Average ($DOWI) (DIA) closed down by -0.79%, and the Nasdaq 100 Index ($IUXX) (QQQ) closed down by -1.29%. E-mini S&P futures (ESU26) fell -0.71%, and September E-mini Nasdaq futures (NQU26) fell -1.25%.
Stock indices retreated on Tuesday, with the S&P 500 falling to a 4-week low, the Dow Jones Industrials sliding to a 1-month low, and the Nasdaq 100 posting a 1-week low. Stocks fell as surging oil prices boosted inflation expectations and bond yields and ramped up expectations that global central banks will keep raising interest rates. Investors are demanding higher yields to hold bonds as concerns intensify over persistent inflation, government spending, and surging corporate borrowing to finance the AI buildout. The higher bond yields sparked a retreat in chipmakers and AI-infrastructure stocks on Tuesday.
Dear GameStop Stock Fans, Mark Your Calendars for September 8
SMCI vs. CoreWeave: 1 AI Infrastructure Model Has the Bigger Opportunity
Jensen Huang: Nvidia's Vera Rubin Platform Turns Electricity Into a $40 Billion Cash Machine

#NASDAQ #fell #Stock

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With prices on the rise, many Americans are looking to cut down on their expenses. One common expense that can often fly under the radar: credit card fees.
When you use a credit card, you're borrowing money from your credit card issuer to expand your purchasing power, build credit, or both. Just pay your credit card bill every month by the due date, and all is well and good, right?
Well, not really. There's more to making timely payments every month to avoid a late fee. For example, overspending can result in an over-the-limit fee. Transferring your credit card debt to take advantage of a promotion may come with a balance transfer fee.
According to the Consumer Financial Protection Bureau (CFPB), from 2018 to 2020, Americans paid roughly $120 billion per year in credit card interest and fees. That translates to an average of $1,000 annually for each American household.

#card #fees #month #advertiser

A loan estimate looks like a done deal. It isn't. Some of the numbers on it can legally change by up to 10% before closing, and a few can change by any amount.
Shopping around for a mortgage is crucial, and it starts with the loan estimate, a three-page document detailing the interest rate, estimated costs and other loan terms.
87% of 2025 borrowers paid above the most competitive rate available to them simply because they didn't compare offers, according to Bankrate's Hidden Homeownership Tax research. The typical cost of not shopping: $3,343 a year, or $278 a month.
A mortgage loan estimate is a standardized, three-page document that a lender must send you within three business days of receiving your mortgage application. It lists your rate, monthly payment, closing costs and other terms — but none of these numbers are final. Think of it as a detailed price quote: close enough to compare lenders and build an accurate budget, but not enough to guarantee what you'll actually pay at closing.
When you compare loan estimates from more than one lender, you're more likely to uncover the lowest rate you actually qualify for. Freddie Mac found that borrowers who obtained two rate quotes during the high-rate months of October and November 2022, when average rates topped 7%, could have saved up to $600 a year. Borrowers who obtained at least four quotes could have saved more than $1,200 a year.

#estimate #compare #year

On August 12, Royalty Pharma (NASDAQ:RPRX) agreed to pay Zealand Pharma $100 million for the rights to future royalties on rusfertide, an experimental treatment for a rare blood disorder called polycythemia vera. It is Royalty Pharma's second collaboration with Zealand, and it arrives just as rusfertide awaits a decision from the FDA. For a company that makes its living buying pieces of other companies' drugs, the timing says a lot about how it weighs risk against reward before a regulatory verdict even lands.
Royalty Pharma's business depends on picking the right moment to buy into a drug's future, and this deal fits that pattern. Under the agreement, $50 million changes hands at closing and the remaining $50 million arrives on the first anniversary, in exchange for a 1% royalty on rusfertide's global sales plus any regulatory and commercial milestones. Rusfertide, a once-weekly self-injected therapy that mimics the hormone hepcidin to control iron levels in polycythemia vera patients, already has an FDA goal date set for the third quarter of 2026, with Takeda lined up to handle commercialization worldwide. That is a near-term catalyst most royalty purchases do not carry.
The broader portfolio backs up the confidence. Royalty Receipts grew 14% to $768 million in the second quarter of 2026, lifted by Tremfya, Voranigo, Imdelltra and Evrysdi, and the company raised its full-year 2026 guidance for Portfolio Receipts to a range of $3.4 billion to $3.5 billion, the second increase this year. Capital deployment has already topped $1 billion in 2026, including a July 2026 royalty purchase tied to AstraZeneca's cliramitug, pushing the development-stage pipeline to 19 potential therapies. Even after repaying a $380 million term loan in July 2026, Royalty Pharma still paid a quarterly dividend of $0.235 per share and bought back $45 million of stock in the second quarter alone.
Not every royalty ages well, and Royalty Pharma's own numbers show it. Promacta royalties fell 75% in the second quarter of 2026 to just $8 million as US generic competition took hold, and Imbruvica payments slipped 16% to $36 million, a reminder that patent cliffs eventually catch up to even the steadiest cash flows. That same risk sits underneath every new deal the company signs, including the one with Zealand.
The rusfertide agreement carries its own strings. Royalty Pharma's 1% royalty stops scaling once global sales pass $1.5 billion, at which point Zealand keeps a 0.25% cut and Royalty Pharma only 0.75%, so the largest commercial outcomes get split rather than fully captured. And rusfertide still has not cleared the FDA. The agency's goal date only falls in the third quarter of 2026, meaning the second $50 million payment is committed before regulators finish their review. Layer that onto a balance sheet carrying $9.2 billion in total debt principal against $812 million of cash as of June 30, 2026, and it becomes clear this is a company funding new bets with borrowed as w

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When Treasury yields reach multiyear highs, some investors get nervous. Higher bond yields are triggered by lower bond prices, and the effects are felt across the financial spectrum: from investing in stocks and bonds to borrowing costs and savings returns.
Global bond yields are gripping markets, jumping back to their highest level in almost two decades as higher oil prices, inflation fears, and heavy government borrowing continue to add pressure.
Here is how rising Treasury yields could impact your finances, including mortgages, credit cards, and car loans.
The Treasury yield is the return an investor receives for lending money to the government — for example, 4.5% on a 10-year Treasury note.

#treasury #yields #disclosure #global

The S&P 500 Index ($SPX) (SPY) is down by -0.44% today, the Dow Jones Industrial Average ($DOWI) (DIA) is down by -0.34%, and the Nasdaq 100 Index ($IUXX) (QQQ) is down by -0.96%. E-mini S&P futures (ESU26) are down -0.46%, and September E-mini Nasdaq futures (NQU26) are down -0.98%.
Stock indices are trading lower today, with the S&P 500 falling to a 4-week low and the Dow Jones Industrials and the Nasdaq 100 posting 1-week lows. Stocks are sliding as rising oil prices boost inflation expectations and ramp up expectations that global central banks will keep raising interest rates. Investors are demanding higher yields to hold bonds as concerns intensify about persistent inflation, government spending, and surging corporate borrowing to finance the AI buildout. The higher bond yields have sparked a retreat in chipmakers and AI-infrastructure stocks today.
Dear Sandisk Stock Fans, Mark Your Calendars for August 31
Bill Gates Says 'We Need Time to Prepare' for an Economic Upheaval — Especially the $20-an-Hour Workers Being Replaced by $10-an-Hour Robots
Dear Palantir Stock Fans, Here's What Maven's Billion-Dollar ARR Means for PLTR

#NASDAQ

The S&P 500 Index ($SPX) (SPY) is down by -0.66% today, the Dow Jones Industrial Average ($DOWI) (DIA) is down by -0.43%, and the Nasdaq 100 Index ($IUXX) (QQQ) is down by -1.30%. E-mini S&P futures (ESU26) are down -0.66%, and September E-mini Nasdaq futures (NQU26) are down -1.26%.
Stock indices are trading lower today, with the S&P 500 falling to a 4-week low and the Dow Jones Industrials and the Nasdaq 100 posting 1-week lows. Stocks are sliding as rising oil prices boost inflation expectations and ramp up expectations that global central banks will keep raising interest rates. Investors are demanding higher yields to hold bonds as concerns intensify about persistent inflation, government spending, and surging corporate borrowing to finance the AI buildout. The higher bond yields have sparked a retreat in chipmakers and AI-infrastructure stocks today.
Dear Sandisk Stock Fans, Mark Your Calendars for August 31
Bill Gates Says 'We Need Time to Prepare' for an Economic Upheaval — Especially the $20-an-Hour Workers Being Replaced by $10-an-Hour Robots
Dear Palantir Stock Fans, Here's What Maven's Billion-Dollar ARR Means for PLTR

#down #today #hour #stocks

Naomi Watts and Kai Schreiber are making a compelling case against matching mother-daughter wardrobes. In Simkhai's fall 2026 campaign, there are no coordinated outfits or deliberately twinning styling moments, as one might expect from a fashionable family affair. Instead, Watts and Schreiber bring their own distinct identities to the collection—one polished and timeless, the other edgier and more eclectic.
Photographed by Mikael Jansson and styled by Camilla Nickerson, this marks Watts and Schreiber's first campaign together. (The wider cast includes Malcolm McRae, Sage Elsesser, Awar Odhiang, and Betsy Gaghan.) For creative director Jonathan Simkhai, bringing mother and daughter into the same fashion universe was a way to show how his clothes can translate across generations. "I have long been a fan of Naomi both on and off screen," he tells ELLE. "She has a timeless sense of style that feels effortless yet intentional."
As for bringing Schreiber into the fold, he adds, "I have been following Kai's modeling career and thought it would be such a great moment to ask both Naomi and Kai to take part in the campaign shoot—I can't think of a better way to showcase how Simkhai can be worn by different generations of inspiring women."
Kai Schreiber in Simkhai's fall 2026 campaign.Mikael Jansson
As it turns out, clothes already move pretty freely between those two generations in the Watts-Schreiber household. Watts tells me that Schreiber has recently begun digging through pieces she saved from the late '90s and early aughts—and Watts has started borrowing from her daughter's growing handbag collection, too. There is, however, one glaring hole in the family archive: "I got rid of all my low-slung waisted jeans," Watts says, "which she's so annoyed about."

#naomi #mother

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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

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You might have more in common with billionaires than you think.
"It's funny, talking about my personal finances, because no one ever believes anything I say," said YouTube creator Jimmy Donaldson, more well-known as MrBeast, to the Wall Street Journal earlier this year (1). "I have negative money right now, I'm borrowing money. That's how little money I have."
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

#Gold #jimmy

By Mike Dolan
Sept 2 (Reuters) - A new wave of strikes in the Iran war this week has seen energy prices surge once again, adding fuel to the selloff across world bond markets as investors brace for a series of central ‌bank interest rate rises this month.
With rising government borrowing costs concentrated on the economically sensitive 10-year benchmark rates, rising yields have ‌ripped across global stock markets, too.
U.S. 10-year Treasury yields hit their highest since 2023 on Wednesday as world crude and natural gas prices climbed. At 4.8%, the 10-year yield is fast approaching a 5% level seen as a major challenge to equities for mixed ****** et portfolio managers.
But with interest rate rises now odds-on at the Federal Reserve, European Central Bank, and Bank of ****** an this month, there's a nervous couple of weeks ahead.

#seen #World

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Secured personal loans are simply loans backed by collateral, such as a car or bank account. By pledging something of value, you could more easily qualify for a loan or get a more competitive interest rate. But these loans may also be risky for some borrowers — if you fail to pay back the money you borrow, you lose the collateral to your lender.
Learn more about our top secured personal loan picks today and all the details you should know before you apply.
Our take: First Tech Federal Credit Union offers personal loans you can secure with either your savings account or a share certificate. There are no fees, flexible loan terms, and you can access your funds quickly.
Loan amount: $500-$500,000

#account

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A college education is probably one of the most expensive purchases you'll make in your lifetime.
The average cost of college today ranges from more than $25,000 to $60,000 per year. With prices that high, it's inevitable that many students will rely on student loans to help fund their education, in addition to their own savings, contributions from family, scholarships, and grants.
Federal student loans are a great first place to start. They typically offer the most competitive rates with fixed APRs and borrower protections. But some students aren't eligible for federal loans, or can't get the full amount they need for school.
As a result, you may turn to private student loans to fill the gap. Here's what you need to know before you apply for a private loan, and some of the top lenders to consider today.

#federal

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With the SAVE program ending and major changes for federal student loan borrowers this year, now could be a good time to review your repayment plan — which may also include refinancing.
Refinancing your student loans can help you score a lower interest rate or consolidate multiple monthly payments into one. But if you're refinancing federal student loans, you could also lose some valuable protections and forgiveness opportunities.
The first step is finding a student loan refinance lender that works with your budget and timeline. To help you get started, here are some top options today.
Read more: How to refinance your student loans

#refinancing #federal #disclosure

You may be eligible for a bad credit personal loan with a score below 580.
The average personal loan rate is currently at 12.43%, according to Bankrate's data as of Aug. 26, 2026. But if you have bad credit, some lenders could charge you an interest rate close to 36%.
Personal loan lenders specializing in bad credit loans will likely scrutinize your income and employment history more closely.
You should explore alternative solutions before committing to a personal loan with a high interest rate.
If you want a low rate on a personal loan, you'll need good credit. However, that's not the reality for most borrowers. In fact, TransUnion data shows that people in the subprime and near prime categories — credit scores between 580 and 659 — made up the majority of loans (67%) at the end of 2025.

#credit #however

Less than 16% of borrowers have scores of 600 or less, and the average interest rates for this group are 22%, according to Experian data.
Shop around to find the best deal on an auto loan for your budget and credit profile, but be prepared for limited loan options and high costs.
If approved, an auto loan can help improve your credit — provided you keep up with the loan and make on-time payments.
A car loan for bad credit is a risky and challenging endeavor. It's hard to get approved if you have a low credit score. Less than 16% of borrowers with a car loan had have a score of 600 or lower at the beginning of 2026, according to Experian data. Further, you'll likely face prohibitively high interest rates. To compare, the average used car loan rate for someone with a score of 781 or higher is a little over 6%, while a borrower with a score of under 500 gets a rate of almost 22% on average.
For that reason, it's best to work on your credit before you buy a car. But if the purchase can't wait, make sure to look for a competitive auto loan rather than settling for a high-cost offer from a buy-here, pay-here dealer. With a little legwork, you can find the best bad credit car loans for your financial situation.

#less #best #borrowers

Andvari ******* ociates, an investment management firm, released its first-quarter 2025 investor letter. The letter can be downloaded here. Andvari's portfolio has performed strongly in the quarter, highlighted by Constellation Software's 19.9% revenue growth and its plans to spend on acquisitions in 2026. The company is also focusing on AI tools to enhance productivity and customer relationships. However, the AI sector is experiencing extreme hype, leading to a growing disconnect between valuations and future cash flows. Predictions suggest the AI investment phase may decline in 1-3 years, despite current high demand for AI infrastructure, which is expected to attract significant competition. Concerns about overbuilding and risky financial behaviors, like Oracle's downgraded credit rating amid a $90-$95 billion AI cloud investment, reflect potential pitfalls. Andvari has minimized exposure to this sector, aiming to protect and grow ******* ets through disciplined investments in stable industries despite recent underperformance during the AI boom. Also, check the fund's top five holdings to see its best picks in 2026.
In its second-quarter 2026 investor letter, Andvari ******* ociates highlighted NVIDIA Corporation (NASDAQ:NVDA). NVIDIA Corporation (NASDAQ:NVDA) is a leading data center-scale AI infrastructure company operating through Compute & Networking and Graphics segments. On August 28, 2026, NVIDIA Corporation (NASDAQ:NVDA) stock closed at $217.55 per share. The one-month return of NVIDIA Corporation (NASDAQ:NVDA) was 5.28%, and its shares gained 24.90% over the past 52 weeks. NVIDIA Corporation (NASDAQ:NVDA) has a market capitalization of $5.25 trillion.
Andvari ******* ociates stated the following regarding NVIDIA Corporation (NASDAQ:NVDA) in its Q2 2026 investor letter:
"Another reason why I am increasingly cautious here is I've begun to see more examples of circular financing among the companies involved with the AI investment boom. For example, when NVIDIA Corporation (NASDAQ:NVDA) invested in OpenAI in late 2025, it was reported most of the money would be used to lease Nvidia chips. Also, some companies like Nvidia and Anthropic have invested directly into special purpose vehicles (SPVs), which in turn use that money to buy hardware from those exact same hardware makers. Then there are AI companies like Anthropic who have begun to use massive SPVs, backed by private equity firms, to borrow billions to buy chips and servers. The AI company then leases the chips from the SPV and thus the debt can stay on its own balance sheet. I've also read that some Nvidia customers are using Nvidia chips as collateral for loans to buy even more chips. This is the same type of behavior that eventually got many telecom and tech companies into huge trouble during the dot com bubble of the 1990s."

#andvari #chips #letter

Millennials face a retirement savings paradox: the harder they try to stay disciplined, the more headwinds seem to appear. Housing costs are surging. Job security is evaporating. And unexpected expenses keep materializing right when that $500 monthly retirement contribution finally fits into the budget.
The problem isn't willpower. It's that the financial landscape is actively working against them. Here are four major factors quietly sabotaging retirement plans and what to actually do about them.
Two decades ago, income growth and rental increases were roughly in sync. Not anymore. According to the Joint Center for Housing Studies at Harvard, rent has skyrocketed while renter incomes have barely budged. The result is rent eating an increasingly larger chunk of your paycheck, which means less money flowing into retirement accounts.
To help combat this, brush off your negotiating skills when it's time to renew your rent. Most landlords value a reliable tenant who pays on time over squeezing out another $50 per month. If that doesn't work, consider splitting housing costs with a roommate.
According to the Federal Reserve, 37% of adults can't cover a $400 surprise expense without borrowing. A busted transmission, an ER visit, a sudden job loss — any of these can torpedo your financial plan if you're not prepared. Without an emergency cushion, you'll have lean on your credit card. Then you're paying interest on debt instead of building retirement wealth.

#millennials

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When Treasury yields reach multiyear highs, some investors get nervous. Higher bond yields are triggered by lower bond prices, and the effects are felt across the financial spectrum: from investing in stocks and bonds to borrowing costs and savings returns.
Global bond yields are gripping markets, jumping back to their highest level in almost two decades as higher oil prices, inflation fears, and heavy government borrowing continue to add pressure.
Here is how rising Treasury yields could impact your finances, including mortgages, credit cards, and car loans.
The Treasury yield is the return an investor receives for lending money to the government — for example, 4.5% on a 10-year Treasury note.

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