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Current price of silver as of Monday, December 1, 2025 2025-12-27 19:13:02

Current price of silver as of Monday, December 1, 2025

At 8:15 a.m. Eastern Time on December 1, 2025, silver was valued at $57.59 per ounce. That’s a $1.08 uptick from the same time yesterday and more than a $27 gain over the past year. Silver price per ounce% ChangePrice of silver yesterday$56.511.91%Price of silver 1 month ago$48.9117.74%Price of silver 1 year ago$30.5188.75%Price of silver yesterdaySilver price per ounce$56.51% Change1.91%Price of silver 1 month agoSilver price per ounce$48.91% Change17.74%Price of silver 1 year agoSilver price per ounce$30.51% Change88.75%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical silver performance Silver is not a get-rich-quick investment. It tends to far underperform traditional stocks over the long term. Since 1921, silver has declined around 96% against the S&P 500. In other words, if you had invested the same amount of money in both stocks and silver at the same time, your silver would now be worth 96% less than your stocks. Instead, silver is considered a comparatively safe and reliable asset that can help you to preserve the value of your money. You’ll sometimes hear it described as a “store of value.” It tends to retain its value during periods of inflation—so converting your money into silver is something like a cryogenic chamber to store your funds when inflation is weighing on your mind.Silver tends to be more volatile than gold. While gold is largely used as a store of value, silver is also widely used in industry (think electronics, medical devices, etc.). This means the value of silver is more directly susceptible to industry demands.Ads by Money. We may be compensated if you click this ad.AdWhat does “spot silver” mean? Put simply, the “spot silver” price is the current rate at which one could in theory instantly sell or buy silver. But, it’s crucial to note individual buyers will often have to pay above spot when buying silver, as there are other costs affecting the final price—think markups, shipping fees, and insurance.  The spot price of silver is a benchmark that investors use to monitor real-time demand and trends. If the spot price is higher, the demand is greater. What is “price spread” in silver trading? Silver’s “price spread” is the disparity between its buying and selling price. There are two terms you should know: Ask price (what you’ll pay to purchase silver). Bid price (what you’ll earn when selling your silver). As you’d expect, the bid price is lower than the ask price. The narrower the bid-ask spread, the higher the demand for silver. SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare6 ResultsProduct DescriptionsZoe Financial : Financial AdvisorVIEW DETAILS on Zoe Financial's website FeesAdvisor fees may varyMinimum Investment$0Best ForFinding Vetted Financial AdvisorsVIEW DETAILS on Zoe Financial's website Additional FeaturesMatch with fiduciary financial advisors tailored to your needs.Plan your financial future with a trusted financial advisor.Find a fiduciary advisor who puts your interests first.Compare advisors near you—it's fast, easy, and free!Find your personalized advisor matches in just a few clicks.Connect with advisors who specialize in retirement, investments, and more.Additional FeaturesMatch with fiduciary financial advisors tailored to your needs.Plan your financial future with a trusted financial advisor.Find a fiduciary advisor who puts your interests first.Compare advisors near you—it's fast, easy, and free!Find your personalized advisor matches in just a few clicks.Connect with advisors who specialize in retirement, investments, and more.Robinhood : BrokerageDisclosureDisclosureThis advertisement contains information and materials provided by Robinhood Financial LLC, Robinhood Securities LLC and its affiliates ("Robinhood") and Publisher, a third party not affiliated with Robinhood. All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Securities offered through Robinhood Financial LLC, a member of FINRA and SIPC and a wholly-owned subsidiary of Robinhood Markets, Inc. Cryptocurrency trading offered through Robinhood Crypto LLC. Robinhood Crypto and Publisher are not a members of FINRA or SIPC and cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance.VIEW DETAILS on Robinhood's website Sign Up Bonus1 Free StockAccount MinimumNoneCommission FeesNoneDisclosureDisclosureThis advertisement contains information and materials provided by Robinhood Financial LLC, Robinhood Securities LLC and its affiliates ("Robinhood") and Publisher, a third party not affiliated with Robinhood. All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Securities offered through Robinhood Financial LLC, a member of FINRA and SIPC and a wholly-owned subsidiary of Robinhood Markets, Inc. Cryptocurrency trading offered through Robinhood Crypto LLC. Robinhood Crypto and Publisher are not a members of FINRA or SIPC and cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance.VIEW DETAILS on Robinhood's website Additional FeaturesTrade stocks and ETFs 24 hours a day, 5 days a week1 Free stock after linking your bank account ($5 - $200 value)Low brokerage margin rates starting at 5.50%$0 commission on stocks & ETFsBuy, sell and store popular cryptocurrenciesEasily transfer accounts, including deposits and brokerageAdditional FeaturesTrade stocks and ETFs 24 hours a day, 5 days a week1 Free stock after linking your bank account ($5 - $200 value)Low brokerage margin rates starting at 5.50%$0 commission on stocks & ETFsBuy, sell and store popular cryptocurrenciesEasily transfer accounts, including deposits and brokerageDatalign Advisory : Financial AdvisorVIEW DETAILS on Datalign Advisory's website FeesAdvisor fees may varyMinimum Investment$0Best ForFinding Vetted Financial AdvisorsVIEW DETAILS on Datalign Advisory's website Additional FeaturesConnect with an advisor based on your preferences and financial profileNationwide coverage, with in-person and remote advisory availableBoth asset-based and fee-based advisors availableAdditional FeaturesConnect with an advisor based on your preferences and financial profileNationwide coverage, with in-person and remote advisory availableBoth asset-based and fee-based advisors availableYieldStreet : Alternative InvestmentVIEW DETAILS on YieldStreet's website Minimum Investment$2500Investment Term3 mons- 8 yrsBest ForAlternative InvestmentsVIEW DETAILS on YieldStreet's website Additional FeaturesInnovative income-generating products with typically low stock market correlationInvest in assets backed by collateralShort term investments - 3 months to 8 yearsStrict risk management for your capital is at the heart of what we doAccess diversification strategies used by many institutional investorsAdditional FeaturesInnovative income-generating products with typically low stock market correlationInvest in assets backed by collateralShort term investments - 3 months to 8 yearsStrict risk management for your capital is at the heart of what we doAccess diversification strategies used by many institutional investorsMoomoo : Investment AccountDisclosureDisclosure 1. The deposit bonus is available only to clients who have never made a deposit or transfer before 5/29/2025. Offer is only valid for US residents with a valid SSN who are at least 18 years old. After receiving the free stocks, you will need to maintain your average assets based on the requirements for 60 days to unlock the stocks. Additional terms and conditions apply, learn more at https://www.moomoo.com/us/support/topic4_410. Get up to $1,000 in NVDA stocks with the qualifying deposit amount:Deposit $100, get $20 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $50,000, get $1,000 in NVDA stock + 8.1% APY on uninvested cash2. Level 2 data (NYSE ArcaBank) is free for Moomoo Financial Inc. accounts with a minimum 30-day average account value of $100+. Other conditions apply, to learn more, visit moomoo.com/us/support/topic3_435VIEW DETAILS on Moomoo's website Sign Up Bonus8.1% APY on uninvested cash and get up to $1,000 in NVDA stock1Account Minimum$100Best ForUser-Friendly Tools, Data, and InsightsDisclosureDisclosure 1. The deposit bonus is available only to clients who have never made a deposit or transfer before 5/29/2025. Offer is only valid for US residents with a valid SSN who are at least 18 years old. After receiving the free stocks, you will need to maintain your average assets based on the requirements for 60 days to unlock the stocks. Additional terms and conditions apply, learn more at https://www.moomoo.com/us/support/topic4_410. Get up to $1,000 in NVDA stocks with the qualifying deposit amount:Deposit $100, get $20 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $50,000, get $1,000 in NVDA stock + 8.1% APY on uninvested cash2. Level 2 data (NYSE ArcaBank) is free for Moomoo Financial Inc. accounts with a minimum 30-day average account value of $100+. Other conditions apply, to learn more, visit moomoo.com/us/support/topic3_435VIEW DETAILS on Moomoo's website Additional Features$0 commission options trading13 options strategiesTrade seamlessly on mobile and desktopSupports crypto tradingFree real time level 2 data for funded accounts2Additional Features$0 commission options trading13 options strategiesTrade seamlessly on mobile and desktopSupports crypto tradingFree real time level 2 data for funded accounts2Public : BrokerageDisclosureDisclosure*Terms and Conditions apply.**This yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. Because the YTW of each bond is a function of that bond’s market price, which can fluctuate, your yield at time of purchase may be different from the yield shown here and your YTW is not “locked in” until the time of purchase. A bond’s YTW is not guaranteed; you can earn less than that YTW if you do not hold the bonds to maturity or the issuer defaults.***Rate as of 1/7/25. APY is variable and subject to changeAll investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7% yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. A bond’s yield is a function of its market price, which can fluctuate; therefore a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See Bond Account Disclosures to learn more. VIEW DETAILS on Public's website BonusEarn up to $10,000*Account Minimum$0Commission$0 on US listed stocks & ETFsDisclosureDisclosure*Terms and Conditions apply.**This yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. Because the YTW of each bond is a function of that bond’s market price, which can fluctuate, your yield at time of purchase may be different from the yield shown here and your YTW is not “locked in” until the time of purchase. A bond’s YTW is not guaranteed; you can earn less than that YTW if you do not hold the bonds to maturity or the issuer defaults.***Rate as of 1/7/25. APY is variable and subject to changeAll investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7% yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. A bond’s yield is a function of its market price, which can fluctuate; therefore a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See Bond Account Disclosures to learn more. VIEW DETAILS on Public's website Additional FeaturesInvest in stocks, bonds, options, ETFs, crypto and moreReceive rebates on stock & ETF options contractsLock in a 7% yield with a Bond Account**Member of FINRA, US-based companyEarn 4.1%*** APY on your cash with a high-yield cash accountEarn up to $10,000 when you transfer your portfolio to Public*Additional FeaturesInvest in stocks, bonds, options, ETFs, crypto and moreReceive rebates on stock & ETF options contractsLock in a 7% yield with a Bond Account**Member of FINRA, US-based companyEarn 4.1%*** APY on your cash with a high-yield cash accountEarn up to $10,000 when you transfer your portfolio to Public*VIEW LESS LISTINGSPowered By:Powered By:/* Loader */ #UaGRtaQEFuHKRbru .spinner { display: none; } #UaGRtaQEFuHKRbru.listingsLoading .spinner { display: block; } #UaGRtaQEFuHKRbru.listingsLoading .widget-render-result { display: none; } #UaGRtaQEFuHKRbru.listingsLoaded .widget-render-result { display: block; } #UaGRtaQEFuHKRbru.listingsLoaded .spinner { display: none; 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} #UaGRtaQEFuHKRbru .sh-hide { display: none; } #UaGRtaQEFuHKRbru .desktop { display: block; } #UaGRtaQEFuHKRbru .desktop-inline { display: inline-block; } #UaGRtaQEFuHKRbru .row-1, #UaGRtaQEFuHKRbru .row-2 { display: flex; } #UaGRtaQEFuHKRbru .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #UaGRtaQEFuHKRbru .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #UaGRtaQEFuHKRbru .row-2 .listing-description { padding: 24px 23px; width: 100%; } #UaGRtaQEFuHKRbru .logo-image-wrapper { margin: auto; width: 196px; } #UaGRtaQEFuHKRbru .logo-column { display: flex; align-items: center; } #UaGRtaQEFuHKRbru .logo-image-wrapper img { width: 100%; height: auto; } #UaGRtaQEFuHKRbru .ad-copy { margin-left: 24px; } #UaGRtaQEFuHKRbru .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #UaGRtaQEFuHKRbru .listing-description .disclosure-content { margin-top: 0px; } #UaGRtaQEFuHKRbru .logo-column.flex-container { flex: 0 0 20%; } #UaGRtaQEFuHKRbru .ad-copy-column.flex-container { flex: 0 0 78%; } #UaGRtaQEFuHKRbru .top-section-right { margin-left: 5px; } #UaGRtaQEFuHKRbru .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #UaGRtaQEFuHKRbru .ad-copy { margin-left: 24px; } #UaGRtaQEFuHKRbru .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #UaGRtaQEFuHKRbru .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #UaGRtaQEFuHKRbru .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #UaGRtaQEFuHKRbru .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #UaGRtaQEFuHKRbru .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #UaGRtaQEFuHKRbru .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #UaGRtaQEFuHKRbru .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #UaGRtaQEFuHKRbru .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #UaGRtaQEFuHKRbru .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #UaGRtaQEFuHKRbru .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #UaGRtaQEFuHKRbru .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #UaGRtaQEFuHKRbru .disclosure-contnr { text-align: center; } #UaGRtaQEFuHKRbru .listing-header-cntnr { margin-top: 34px; } #UaGRtaQEFuHKRbru .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #UaGRtaQEFuHKRbru .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #UaGRtaQEFuHKRbru .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #UaGRtaQEFuHKRbru .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #UaGRtaQEFuHKRbru .apy-label { font: normal normal 900 24px / 28px Roboto; } #UaGRtaQEFuHKRbru .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #UaGRtaQEFuHKRbru .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #UaGRtaQEFuHKRbru .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #UaGRtaQEFuHKRbru .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #UaGRtaQEFuHKRbru .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #UaGRtaQEFuHKRbru .additional-content { margin-top: 0px !important; } #UaGRtaQEFuHKRbru .additional-content ul li { margin-bottom: 0; } #UaGRtaQEFuHKRbru .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #UaGRtaQEFuHKRbru .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #UaGRtaQEFuHKRbru .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #UaGRtaQEFuHKRbru .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #UaGRtaQEFuHKRbru .shArrow { width: 12px; height: 7px; } #UaGRtaQEFuHKRbru span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #UaGRtaQEFuHKRbru .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #UaGRtaQEFuHKRbru .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #UaGRtaQEFuHKRbru #see_more_carrier, #UaGRtaQEFuHKRbru .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #UaGRtaQEFuHKRbru .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #UaGRtaQEFuHKRbru .apy-label p { margin-top: 0px; margin-bottom: 0px; } #UaGRtaQEFuHKRbru .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #UaGRtaQEFuHKRbru { padding: 0 26px; } #UaGRtaQEFuHKRbru .logo-image-wrapper { width: 136px; } #UaGRtaQEFuHKRbru .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #UaGRtaQEFuHKRbru .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #UaGRtaQEFuHKRbru .prop-value-container .apy-container { flex: 0 0 44%; } #UaGRtaQEFuHKRbru .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru .prop-value-container .minvalue-container { flex: 0 0 28%; } #UaGRtaQEFuHKRbru .ad-copy-top-section { margin-bottom: 15px; } #UaGRtaQEFuHKRbru .sh-row-product-title { max-width: 136px; } #UaGRtaQEFuHKRbru .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #UaGRtaQEFuHKRbru .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #UaGRtaQEFuHKRbru .logo-image-wrapper { width: 100%; max-width: 292px; } #UaGRtaQEFuHKRbru .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #UaGRtaQEFuHKRbru .ad-copy { margin-left: 0; } #UaGRtaQEFuHKRbru .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #UaGRtaQEFuHKRbru .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #UaGRtaQEFuHKRbru .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #UaGRtaQEFuHKRbru .see-more-text { padding: 16px 15px; } #UaGRtaQEFuHKRbru .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #UaGRtaQEFuHKRbru .top-section-right { margin-left: 0px; } #UaGRtaQEFuHKRbru .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #UaGRtaQEFuHKRbru.sizeone .header-section { padding: 6px 10px; } } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .row-1 { padding-left: 14px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .prop-value-container .mfee-container #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #UaGRtaQEFuHKRbru.sh-box650.device-desktop .row-1, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .row-1 , #UaGRtaQEFuHKRbru.sh-box650.device-desktop .row-2, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .row-2 , #UaGRtaQEFuHKRbru.sh-box500.device-desktop .row-1, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .row-1 , #UaGRtaQEFuHKRbru.sh-box500.device-desktop .row-2, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .row-2{ display: unset; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .prop-value, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#UaGRtaQEFuHKRbru.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#UaGRtaQEFuHKRbru.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#UaGRtaQEFuHKRbru.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #UaGRtaQEFuHKRbru .shmktpl-title, #UaGRtaQEFuHKRbru .sub-heading-container, #UaGRtaQEFuHKRbru .filter-check-options-cntnr, #UaGRtaQEFuHKRbru .listing-header-cntnr { display: none; } #UaGRtaQEFuHKRbru.title .shmktpl-title, #UaGRtaQEFuHKRbru.subHeading .sub-heading-container, #UaGRtaQEFuHKRbru.multiSelectFilter .filter-check-options-cntnr, #UaGRtaQEFuHKRbru.resultsText .listing-header-cntnr { display: flex; } #UaGRtaQEFuHKRbru.sizeone .add-overlay-content { width: 62%; height: auto; } #UaGRtaQEFuHKRbru.sizeone .disclosure-title { padding: 6px 0px; } #UaGRtaQEFuHKRbru.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #UaGRtaQEFuHKRbru .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #UaGRtaQEFuHKRbru.sizeone .title-container { margin-top: 0; } #UaGRtaQEFuHKRbru.sizeone .non_featured_list { margin-top: 0; } #UaGRtaQEFuHKRbru.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #UaGRtaQEFuHKRbru.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #UaGRtaQEFuHKRbru .item { flex: 1 1 calc(50% - 48px); } #UaGRtaQEFuHKRbru .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #UaGRtaQEFuHKRbru .item:nth-of-type(4n+3), #UaGRtaQEFuHKRbru .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #UaGRtaQEFuHKRbru .item:nth-of-type(4n+1), #UaGRtaQEFuHKRbru .item:nth-of-type(4n+1) + * { background-color: #fff; } #UaGRtaQEFuHKRbru .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #UaGRtaQEFuHKRbru .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #UaGRtaQEFuHKRbru .desktop, #UaGRtaQEFuHKRbru .desktop-inline { display: none; } #UaGRtaQEFuHKRbru .mobile { display: block !important; } #UaGRtaQEFuHKRbru { padding: 0 18px; } #UaGRtaQEFuHKRbru .shmktpl-title { font-size: 24px; line-height: 29px; } #UaGRtaQEFuHKRbru .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #UaGRtaQEFuHKRbru .add-overlay-content { width: 80%; height: auto; } #UaGRtaQEFuHKRbru .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #UaGRtaQEFuHKRbru .row-1 { flex-flow: column; padding: 16px; } #UaGRtaQEFuHKRbru .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #UaGRtaQEFuHKRbru .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #UaGRtaQEFuHKRbru .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #UaGRtaQEFuHKRbru .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #UaGRtaQEFuHKRbru .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #UaGRtaQEFuHKRbru .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #UaGRtaQEFuHKRbru .prop-value { margin-top: 0; } #UaGRtaQEFuHKRbru .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #UaGRtaQEFuHKRbru .non_featured_list { margin-top: 18px; } #UaGRtaQEFuHKRbru .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #UaGRtaQEFuHKRbru .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #UaGRtaQEFuHKRbru .item:nth-child(3n), #UaGRtaQEFuHKRbru .desktop-bg { background: none; } #UaGRtaQEFuHKRbru .prod-desc-popup-content { padding: 0; } #UaGRtaQEFuHKRbru .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #UaGRtaQEFuHKRbru .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #UaGRtaQEFuHKRbru .disclosure-content ul { padding-left: 14px; line-height: 28px; } #UaGRtaQEFuHKRbru .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #UaGRtaQEFuHKRbru .additional-features { flex: 0 0 100%; } #UaGRtaQEFuHKRbru .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #UaGRtaQEFuHKRbru.sizeone .listing-header-cntnr { display: none; } #UaGRtaQEFuHKRbru.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #UaGRtaQEFuHKRbru .prod-desc-popup-content { position: fixed; } } #UaGRtaQEFuHKRbru.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #UaGRtaQEFuHKRbru.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #UaGRtaQEFuHKRbru.listingAlignment .logo-image-wrapper img { width: 100%; } #UaGRtaQEFuHKRbru.listingAlignment { padding: 0px; } #UaGRtaQEFuHKRbru.listingAlignment .listing-title { font-size: 14px; } #UaGRtaQEFuHKRbru.listingAlignment .listing-title span { font-size: 14px; } #UaGRtaQEFuHKRbru.listingAlignment .row-1 { padding: 26px 10px; } #UaGRtaQEFuHKRbru.listingAlignment .prop-name { font-size: 10px; } #UaGRtaQEFuHKRbru.listingAlignment .prop-value { font-size: 14px } #UaGRtaQEFuHKRbru.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #UaGRtaQEFuHKRbru.listingAlignment .logo-column.flex-container { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .prop-conatiner { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .ad-copy-column.flex-container { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .cta-column.flex-container { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .disclosure-content ul li::before { content: unset; } #UaGRtaQEFuHKRbru.listingAlignment .disclosure-content ul li { list-style: disc; } } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #UaGRtaQEFuHKRbru.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #UaGRtaQEFuHKRbru.ctaAlignment .cta-column.flex-container { display: block !important; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button { font-size: 16px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #UaGRtaQEFuHKRbru .sh-no-listing-msg { padding: 20px 0px; } #UaGRtaQEFuHKRbru .sh-widget-footer-MBT { display: none; } #UaGRtaQEFuHKRbru.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #UaGRtaQEFuHKRbru.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #UaGRtaQEFuHKRbru.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #UaGRtaQEFuHKRbru .sh-widget-footer-QS { display: none; } #UaGRtaQEFuHKRbru.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #UaGRtaQEFuHKRbru.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #UaGRtaQEFuHKRbru.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title, #UaGRtaQEFuHKRbru.customizeColorEffect .prop-name, #UaGRtaQEFuHKRbru.customizeColorEffect .prop-value, #UaGRtaQEFuHKRbru.customizeColorEffect .curDate, #UaGRtaQEFuHKRbru.customizeColorEffect span.current-date, #UaGRtaQEFuHKRbru.customizeColorEffect .disclosure-content ul li, #UaGRtaQEFuHKRbru.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #UaGRtaQEFuHKRbru.customizeColorEffect .add-text, #UaGRtaQEFuHKRbru.customizeColorEffect .see-more-text, #UaGRtaQEFuHKRbru.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #UaGRtaQEFuHKRbru.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #UaGRtaQEFuHKRbru.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #UaGRtaQEFuHKRbru.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #UaGRtaQEFuHKRbru.sizeone.customizeColorEffect .header-section, #UaGRtaQEFuHKRbru.customizeColorEffect .row-2 { background: #E9F0EC; } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title { display: unset; } #UaGRtaQEFuHKRbru.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title .prod-name:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .add-text:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .disclosure-contnr .text:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .see-more-text:hover { color: #EB0017; } #UaGRtaQEFuHKRbru.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #UaGRtaQEFuHKRbru.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #UaGRtaQEFuHKRbru.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title { display: block; } #UaGRtaQEFuHKRbru.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #UaGRtaQEFuHKRbru.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #UaGRtaQEFuHKRbru .sh-right-arrow { display: none; } #UaGRtaQEFuHKRbru.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #UaGRtaQEFuHKRbru.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #UaGRtaQEFuHKRbru.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #UaGRtaQEFuHKRbru{position:relative;}.add-overlay-content{right: 4%;}#UaGRtaQEFuHKRbru .shmktpl-button span.btn__text::after{display:none;} #UaGRtaQEFuHKRbru .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #UaGRtaQEFuHKRbru .shmktpl-button:hover{background:#0E86DE;} #UaGRtaQEFuHKRbru .add-text:hover {color:#0E86DE;} #UaGRtaQEFuHKRbru .listing-title .prod-name:hover{color:#0E86DE;} #UaGRtaQEFuHKRbru .disclosure-contnr .text:hover{color:#0E86DE;} #UaGRtaQEFuHKRbru .see-more-text{width:68px} #UaGRtaQEFuHKRbru .see-more-text:hover{color:#0E86DE;} #UaGRtaQEFuHKRbru .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }How to invest in silver Investing in silver can take many different forms. You can choose to collect physical silver, or you can (more commonly) invest in silver exchange-traded funds (ETFs).The latter allows you to buy shares in a fund that holds silver—meaning you won’t have to store and insure it yourself. Popular silver investment options include: Silver bullion.Sold as bars or rounds, you can purchase these by weight and purity. Silver coins.While coins and rounds may look similar, coins are government-minted currency. There are many silver coin options that tend to price higher than standard bullion, including American Silver Eagle and Silver Maple Leaf coins due to factors such as rarity and government backing. Silver jewelry.Silver crafted into jewelry prices above silver bullion of equal purity. Silver mining stocks.Purchasing stock in a company that mines silver allows you to bet on silver without owning any metals yourself. Silver investments, such as silver bullion and coins, follow the “three nines fine” rule to be traded on exchange platforms. If it’s less than 99.9% pure, it’s typically considered a collectible or industrial-grade.  The best silver IRA companies can walk you through the specifics.Is it a good time to invest in silver? Silver is doing well in 2025, rising nearly 25% year-to-date. It’s currently priced higher than any time in the previous decade. Still, the answer as to whether now is a good time to invest in silver is subjective. For example, if you’re worried about increased inflation, adding precious metals to your portfolio can be a smart choice. Or, if you’re looking toward an impending surge in silver demand (perhaps from increasing popularity in green initiatives that require silver, such as solar equipment) that could drive up value, buying silver might make sense. Current precious metals prices as of 8:15 a.m. ET on December 1, 2025 Precious metal Price per ounceGold$4,256.65Silver$57.59Platinum$1,686.15Palladium$1,478.67GoldPrice per ounce$4,256.65SilverPrice per ounce$57.59PlatinumPrice per ounce$1,686.15PalladiumPrice per ounce$1,478.67Gold, platinum, and palladium are also investor favorites. Platinum and palladium typically act similarly to silver in volatility. They’ve got a smaller global market compared to gold, meaning even seemingly trifling market changes can result in big price fluctuations. Gold, meanwhile, tends to be less volatile overall than these metals.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies.  The takeaway With the U.S. economy experiencing unique uncertainty of late, precious metals may be an investment on your radar. Silver has outpaced gold in 2025 in terms of growth, and some experts suspect a boom in the coming years that could result in silver pricing at an all-time high over again. Silver is a very accessible investment, especially compared to the price of gold. Even if you’re reluctant to hold physical coins or bars, you can choose to buy silver ETFs or silver mining stocks to ride the expert-predicted silver wave. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Experts recommend between 10% and 15% of your portfolio to be in silver—with no more than 20% in total invested in precious metals. Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? Silver has been increasing in value due to a combination of scarcity and both industrial and investor demand.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

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TD Bank review 2025: A full-service bank with round-the-clock customer service. 2025-12-11 17:10:41

TD Bank review 2025: A full-service bank with round-the-clock customer service.

TD Bank was founded in Canada in 1855 as The Bank of Toronto. Based in Canada, it manages to crack the top 12 largest banks in the United States with over 1,100 branches along the East Coast. It has a full suite of banking services in the U.S., including lending, checking, savings, and some decent certificates of deposit (CDs). Here’s what you need to know about TD Bank. All rates and fees are current as of Nov. 21, 2025, and are subject to change.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; 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} #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; 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} #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; 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font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }TD BankTD BankChecking accounts$0 minimum to open an accountSavings accountsUp to 3.00% APYCD ratesUp to 3.70% APYView offerat MoneyLionCompany insightsYear Founded: 1955Company Headquarters: Cherry Hill, NJCEO: Leo SalomFortune Rankings#47on Fortune’s 2024 Best Large Workplaces in Fiancial Services and Insurance list#48on Fortune’s 2023 America’s Most Innovative Companies listN/APros1,100+ branches along the East CoastLots of account options to choose from24/7 customer serviceConsMaintenance fees (often avoidable with qualifying activity) High-yield savings account requires a high minimum balanceBanking products not available in all 50 statesWho is TD Bank good for?TD Bank is best for those who want access to in-person banking and live near a TD Bank branch—again, concentrated on the East Coast, from Maine to Florida. It’s also good for those who frequently travel from Canada to the U.S., as it has cross-border services that make this comparatively easy. The checking and savings accounts have monthly fees, but we think the requirements to get them waived are reasonable for most. Who shouldn’t use TD Bank? If you are looking to earn a high APY with your checking or savings accounts, TD Bank is far from the best option. The interest rates on most accounts are significantly lower than what you can find at many other financial institutions. TD Bank is also not great for those who don’t want the hassle of working to jump through monthly hoops (albeit quite easy) to avoid maintenance fees. If that’s you, consider the institutions we highlight for the best free checking accounts instead.  TD Bank rates and productsTD Bank has three checking accounts, two savings accounts, and several CD options to choose from. TD Bank productAPYChecking accountsUp to 0.01% APYSavings accountsUp to 3.00% APYCDsUp to 3.70% APYChecking accountsAPYUp to 0.01% APYSavings accountsAPYUp to 3.00% APYCDsAPYUp to 3.70% APYBank details checked Nov. 21, 2025.Checking accountsTD Bank offers three checking account options. While TD doesn’t feature any free checking accounts, the fees can be easily skirted in most cases with some simple monthly activities.TD Checking accountsAccount opening bonusUp to $300 with qualifying activities. Terms apply. Offer valid through Oct. 31, 2025.Minimum opening deposit$0Monthly fees$4.95 –$25 (avoidable)Top APY0.01%ATM fees Up to $3TD Complete CheckingMinimum opening deposit:$0  Monthly fee:$15 , waived by having at least one of the following: $500+ in direct deposits within a statement cycle $500 minimum daily balance $5,000 across all linked TD personal deposit accounts Be aged 17 to 23 APY:N/A Overdraft protection:With linked savings account ATM fees:$3 for transfers and withdrawals at a non-TD ATM (waived for ages 17 to 23) Overdraft fee:$35  Stop payment request fee:$30  Cashier’s check fee:$8  Other perks:Grace period on overdraftsEarly direct depositTD Beyond CheckingMinimum opening deposit:$0Monthly fee:$25 , waived by having at least one of the following: $5,000+ in direct deposits within a statement cycle $2,500 minimum daily balance $25,000 across qualifying linked TD accounts  APY:0.01% Overdraft protection:With linked savings account. Also benefits from overdraft payback (automatically reverses first two overdraft fees in a calendar year)ATM fees:$0 (reimbursed for surcharges incurred by the out-of-network ATM when maintaining a balance of $2,500+) Overdraft fee:$35Stop payment request fee:$0Cashier’s check fee:$8Other perks:Rate discount on home equity loans Early direct deposit TD Essential BankingMinimum opening deposit:$0Monthly fee:$4.95 (waived for those aged 13 to 17) APY:N/A Overdraft protection:N/A ATM fees:$3 for transfers and withdrawals at a non-TD ATM (waived for ages 17 to 23) Overdraft fee:$0Stop payment request fee:$0Cashier’s check fee:$8Other unique perks:Early direct deposit Bank details checked Nov. 21, 2025.#qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; 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font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsTD Bank offers two savings accounts, both with monthly fees that can be waived with qualifying activities. The interest rates earned on these accounts are largely unimpressive—but the Signature Savings account does offer up to 3.00% APY for relationship accounts of $100,000+. Check out our picks for the best high-yield savings accounts if earning interest is a priority for you. TD Savings accountsMinimum opening deposit$0Monthly fees$5 –$15Top APY3.00%TD Simple SavingsPerks:Free automatic transfers Enroll in overdraft protection for a TD checking account Minimum opening deposit:$0Monthly fee:$5 , waived by any of the following: Minimum daily balance of $300+ Linked eligible TD Beyond or TD Complete Checking account Being under 18 or 62+ years old APY:0.02% TD Signature SavingsPerks:Non-TD ATM fees waived when you maintain a balance of $2,500+ Improved APY when you link an eligible TD account Free incoming wire transfers, cashier’s checks, money orders, and stop payments Minimum opening deposit:$0Monthly fee:$15 , waived if you do at least one of the following: Maintain a daily balance of $10,000+ Link your account to an eligible TD Beyond or TD Complete Checking account APY:0.01%–3.00% (depending on your account balance) Bank details checked Nov. 21, 2025.Certificates of depositTD Bank offers a variety of CDs with terms ranging between three months and five years. Interest rates vary by term length and whether you have other accounts with TD (you’ll earn a higher rate if you have a relationship with the bank, in most cases). TD’s “Choice CD Rates” are the most generous, offering up to 4.00% APY as of this writing. You can also open “Step Rate” CDs, which come with APY that increases incrementally throughout your term, and “No Catch” CDs that allow you to access your money one time before your account matures without sustaining early withdrawal penalties. TD also issues IRA CDs, with similar terms and varying return rates.TD Promotional CDsMinimum opening deposit$250Available term lengths3, 6, 9, 10, 12, 18, 24, 36, 60 monthsTop APY3.70%Early withdrawal penalty– Terms up to 89 days: All interest earned  – Terms between 90 and under 1 year: 3 months’ interest – Terms between 1 year but less than 2 years: 6 months’ interest – Terms between 2 years but less than 3 years: 9 months’ interest – Terms between 3 years but less than 4 years: 12 months’ interest – Terms between 4 years but less than 5 years: 18 months’ interest – Terms of 5 years or more: 24 months’ interestTD Bank Choice CD rates CD TermAPY3 months3.70%6 months3.51%9 months2.00%10 months2.00%12 months3.00%18 months2.75%24 months2.50%36 months2.00%60 months2.00%3 monthsAPY3.70%6 monthsAPY3.51%9 monthsAPY2.00%10 monthsAPY2.00%12 monthsAPY3.00%18 monthsAPY2.75%24 monthsAPY2.50%36 monthsAPY2.00%60 monthsAPY2.00%Bank details checked Nov. 21, 2025.TD No-Catch CDsMinimum opening deposit$250Available term lengths6, 12 months Top APY0.05%Early withdrawal penaltyNone for the first withdrawalTD No-Catch CD ratesCD TermAPY6 months0.05%12 months0.05%6 monthsAPY0.05%12 monthsAPY0.05%Bank details checked Nov. 21, 2025.TD Step Rate CDsMinimum opening deposit$250Available term lengths3, 5 yearsAPYUp to 0.15% averageEarly withdrawal penalty– Terms up to 89 days: All interest earned  – Terms between 90 and under 1 year: 3 months’ interest – Terms between 1 year but less than 2 years: 6 months’ interest – Terms between 2 years but less than 3 years: 9 months’ interest – Terms between 3 years but less than 4 years: 12 months’ interest – Terms between 4 years but less than 5 years: 18 months’ interest – Terms of 5 years or more: 24 months’ interestTD Step Rate CD rates CD TermAPY3 years– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15%5 years– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15% – Year 4: 0.20% – Year 5: 0.25%3 yearsAPY– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15%5 yearsAPY– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15% – Year 4: 0.20% – Year 5: 0.25%Bank details checked Nov. 21, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Other services TD Bank offersAs a full-service bank, TD also offers several other products, including: Credit cards:TD offers multiple credit cards for both personal and business purposes. Whether you want to earn cash back, take advantage of a low intro APR period, or build credit, there’s probably a card suited to your goals. Home lending:TD offers both mortgages and home equity lines of credit. Personal loans:You may be able to get a personal loan of up to $50,000 with repayment terms between three and five years.  Small business accounts:TD offers several accounts and services for small businesses, including checking, savings, and loans.  Online banking You can access your account via TD Bank’s website or mobile app. Once enrolled, you can log in for services such as Zelle and bill pay. You can also check your balance and transactions, view statements, and communicate securely with customer service.  The TD Bank platform and customer supportYou can contact TD Bank in a variety of ways. General customer service is available 24/7 by phone at 888-751-9000. TD also has a few self-help options, including a help center with articles, an AI chatbot, and a special QR code via the TD app that will put you in touch with an agent. The TD app is available for both Apple and Android and has similar features to the website. You can also use mobile deposit and receive real-time notifications on your phone. Is TD Bank secure?TD Bank uses up-to-date methods to protect your personal information, including firewalls, constant system monitoring, and employee security training. It also uses two-step verification for passwords, security alerts, and an optional feature called “VoicePrint.”  VoicePrint records your voice and creates a digital signature that works in the background to verify your voice if you call customer service. TD Bank user reviewsOnline reviews of financial institutions often lean (heavily) negative. That’s because customers tend to write reviews out of frustration. It’s not often that a perfectly successful experience motivates someone to run to the computer and write a review. With that in mind, online customer reviews are poor, earning only 1.5 stars on Trustpilot from more than 2,700 reviews. The majority of complaints are with the in-person customer service, saying that reviewers felt tellers they dealt with in-branch were unhelpful or unfriendly.  Reddit reviews have a slightly rosier outlook on TD, with many users expressing satisfaction with competitive rates, excellent fraud detection, and a simple mortgage process. Compare TD Bank alternativesTwo household names that are well worth considering are Capital One and Discover, as long as you’re comfortable doing the bulk of your banking online. Note, Capital One acquired Discover in 2025, but the two brands maintain distinct products as of this writing. TD BankCapital OneDiscoverTop savings APYTop savings APYTop savings APY3.00%3.50%3.40%Top checking APYTop checking APYTop checking APY0.01%0.10%Not interest bearing (but debit card that earns up to 1% back on purchases)Top CD APYTop CD APYTop CD APY3.70%4.05%3.50%View offerat MoneyLionView offerat BankrateView offerat DiscoverBank details checked Nov. 21, 2025Is TD Bank right for you?It’s key to note that TD only offers services to select East Coast states. If you live outside of eligible states, TD’s services aren’t available to you. TD Bank is probably great for someone who frequently travels between the U.S. and Canada. Its cross-border banking has several services meant to make visiting or living part-time in either country easy. And because its customer service is 24/7, TD Bank is good for those who want to know they have constant help when they need it—even on the weekends. Frequently asked questionsIs TD Bank American or Canadian?TD Bank is based in Canada but has both Canadian and U.S. accounts. The U.S. accounts are insured by the Federal Deposit Insurance Corp. (FDIC), and the Canadian accounts are insured by the Canada Deposit Insurance Corp. (CDIC).Are TD Bank and TD Ameritrade the same?TD Bank and TD Ameritrade are separate companies. Charles Schwab acquired TD Ameritrade in 2020, and Schwab now services all accounts.What is TD Bank’s customer service phone number and hours?TD Bank’s customer service phone number is 888-751-9000. Representatives are available 24/7.How do I open a TD Bank checking account online?You must live in an eligible East Coast state or district to open a TD checking account. Otherwise, you can use the bank’s website or mobile app to open a checking account.What states does TD Bank operate in?TD Bank operates in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, DC.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

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  • 2025-11-30 08:21:28

    Best high-yield savings account rates on Nov. 26, 2025: Earn up to 5.00% APY

    You’re looking at up to 5.00% APY on top high-yield savings accounts as of Nov. 26, 2025. To put that in perspective, that’s more than 10x higher than the FDIC-reported national average of 0.40%. For anyone trying to get real returns on their savings, the difference is substantial.Whatever brought you here—whether it’s building an emergency fund saving for a major purchase like travel, putting away funds to invest in precious metals, or planning for retirement—keeping your money in a high-yield savings account is smart. You get solid returns without too much complexity or the risks associated with stock market investments and the like.The three highest-APY accounts we’ve identified are as follows:Earn up to 5.00% with Varo Money.Earn up to 4.51% with Axos Bank.Earn up to 4.35% with Newtek Bank.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; 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} #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Highest savings account rates Nov. 26, 2025Fortunehas partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates on the market. Varo Money tops the list, with Axos Bank and Newtek Bank also offering very respectable yields. Read on to see our full list of HYSAs and find the one that’s right for your needs.What the Fortune/Curinos partnership means for youWe work with Curinos, which has a track record of more than thirty years analyzing financial services data, to bring you current rates on savings accounts and CDs from a long list of financial institutions. This daily reporting gives us the foundation to create a selection that actually helps you pick the right account for your situation.History of savings account ratesWhile the average savings account rate has increased from the lows seen from 2020 to 2022, it’s still far below the APYs available on the most generous high-yield savings accounts on our list.Check Out Our Daily Rates ReportsDiscover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Why should you choose a high-yield savings account?A quick terminology note: There’s no official account type called a “high-yield savings account.” What we’re really talking about is banks and credit unions that happen to offer rates significantly higher than average. It’s just a label we use to make things clearer.Most of the divide between traditional and high-yield accounts comes down to operations. Traditional banks run branch networks and offer everything under the sun—loans, checking, credit cards, you name it. High-yield providers are usually online-only, keep their offerings lean, and have no physical locations to maintain. That operational simplicity translates to better rates for you.Pro tipLearn more about different types of savings accounts.If you’re willing to handle your banking online, switching to a high-yield account can meaningfully increase what you earn. Depending on your deposit and APY, you could be looking at hundreds—or more—in extra interest annually compared to a standard savings account.How much interest can you earn with a higher APY?Let’s assume a hypothetical where you’ve got five grand sitting in savings a full year, and the APY doesn’t budge. The interest you’d earn with a 5.00% APY is dramatically different from what you’d earn if the account’s APY was a mere 0.40%. See the estimates below:Initial DepositEstimated Interest0.40% APY$5,000$225.00% APY$5,000$2560.40% APYInitial Deposit$5,000Estimated Interest$225.00% APYInitial Deposit$5,000Estimated Interest$256It’s a surprisingly painless change that can have a real impact on your bottom line.What should you look for in a high-yield savings account?Focus on these things when you’re choosing a HYSA:Competitive rates.Look for APYs that are actually going to move the needle on your earnings.Low or no minimums.Plenty of high-yield accounts don’t require a hefty opening deposit, making them accessible if you’re building your savings from scratch.Fee-free.Skip accounts that nickel-and-dime you with monthly maintenance charges—that money should stay in your account.Access to your funds.Verify that you can transfer your money when you need it. Pay attention to withdrawal caps and foreign ATM fees.Insurance.Check that your deposits are FDIC-protected at a bank or NCUA-protected at a credit union.Note that any interest you earn will be taxable.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Frequently asked questionsAre savings account rates going to fall?They could. Banks often adjust their rates based on what the Federal Reserve does. Given that the Fed began cutting rates in late 2025—a win for borrowers, a challenge for savers—it’s reasonable to expect that some savings account rates could head downward accordingly.Can I lose money in a high-yield savings account?As long as your account is FDIC- or NCUA-insured, you should be protected up to a $250,000 maximum per financial institution. Also, understand that your savings won’t fluctuate like stock prices, but inflation could erode what your money can buy if it outpaces your APY.Is a high-yield savings account still worth it?Yes, it is. Fed rate cuts aside, many high-yield savings accounts continue to offer APYs in the vicinity of 4.00%. These accounts are effectively the best straightforward option for growing your money safely while keeping it within reach. Though we’ll also note CDs are worth considering if you can afford to lock your money away for a set period of time.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

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  • 2025-12-04 02:47:26

    UFB Direct Bank review 2025: A strong online banking choice for high APYs on checking and savings

    Key TakeawaysUFB Direct may be a good choice for those seeking high yields on a savings account or money market account.The bank also offers a savings account specifically designed for high-net-worth individuals.However, UFB Direct does not offer certificates of deposit, so you’ll have to look elsewhere if seeking that type of investment.UFB Direct is the online-only division of Axos Bank. It offers a handful of banking products including high-yield savings accounts, money market accounts (MMAs), and mortgages. UFB Direct can be a good option if you’re looking for competitive savings rates. But they don’t provide stand-alone checking accounts or certificates of deposit (CDs), which means the bank is not a fit if you’re looking for those products. Our section on alternative bank options may help if you’re in need of those types of accounts.Rates are current as of Nov. 21, 2025 and are subject to change.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67UFB Direct at a glanceUFB DirectChecking accounts$0 monthly fee with no minimum deposit requirement (must be bundled with a savings account)Savings accountsEarn up to 3.51% annual percentage yield (APY) with no minimum deposit requirementsMoney market accountsEarn up to 3.51% APY, $10 monthly fee waived with a $5,000 balanceView offerat UFB DirectCompany insightsYear Founded: 2000Company Headquarters: San Diego, CACEO: Gregory GarrabrantsBank details checked Nov. 21, 2025.N/AProsCompetitive interest rates for savings and money market accountsCan access expanded Federal Deposit Insurance Corp. (FDIC) coverage up to $265 million for high-net-worth individualsNo fees or minimums on savings or checking accountsConsNo stand-alone checking accountDoes not offer credit cards or CDsHigh minimum balance for money market accounts to waive the monthly maintenance feeWho is UFB Direct good for?UFB Direct could be a good option for those seeking an online bank that offers a competitive high-yield savings account without any fees or minimums and ready to bundle it with a checking account to earn the maximum yield offered. It may also appeal to high-net-worth individuals who need expanded FDIC insurance up to $265 million.Who shouldn’t use UFB Direct?UFB Direct is an online bank without a stand-alone checking account and only waives up to $10 in ATM fees. For this reason, you’ll probably want to avoid UFB Direct if you need just a checking account or are frequently unable to access any of the 91,000 fee-free ATMs in its network.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.UFB Direct rates and productsUFB Direct offers high-yield savings accounts and money market accounts with competitive rates. While the bank does offer a checking account, it must be linked to an existing UFB Direct savings account and cannot be opened as a solo account. Additionally, UFB Direct offers a range of mortgage products as well as a savings account for high-net-worth individuals.UFB Direct productAPYUFB Portfolio Savings AccountUp to 3.51% APYUFB Freedom Checking AccountUp to 2.00% APYUFB Portfolio Money Market Account3.51% APYBank details checked Nov. 21, 2025UFB Portfolio Savings AccountAPYUp to 3.51% APYUFB Freedom Checking AccountAPYUp to 2.00% APYUFB Portfolio Money Market AccountAPY3.51% APYUFB Portfolio Savings accountUFB Direct offers a free, high-yield savings account with no minimum deposit requirements or monthly maintenance fees. Earn up to 3.51% APY, which is competitive with some of the best overall high-yield savings accounts. Even better, you can earn up to 3.71% when you open a UFB Freedom Checking account, as well (we’ll get to that in a moment).The account includes a complimentary ATM card that you can use to access over 91,000 ATMs nationally with daily withdrawal limits up to $510. The UFB savings account has a few additional limits:$250,000 maximum opening deposit$30,000 maximum daily transfer$60,000 maximum monthly transferUFB Direct savings account featuresMinimum opening depositNoneMonthly feesNoneTop APY3.51% APYBank details checked Nov. 21, 2025UFB Direct InsureGuard+ Savings accountUFB Direct’s InsureGuard+ Savings account functions like its standard savings account but provides expanded FDIC insurance up to $265 million. Typically, the FDIC provides standard coverage of up to $250,000 per bank. With the InsureGuard+ Savings account, UFB sweeps deposits to multiple accounts at member institutions in amounts under the standard FDIC insurance maximum.Receive just one statement and manage your money through a single relationship. Account minimums start at $245,000 and include competitive interest rates.UFB Freedom Checking accountUFB Direct doesn’t have a stand-alone checking account but does offer a checking account that you can add to other UFB accounts.With the UFB checking account, you can access your funds 24/7 with its online banking tools and take advantage of its network of ATMs as well as up to $10 in ATM fee reimbursement. The checking account offers a boost of up to 0.20% APY when paired with a savings account but you must meet certain criteria to unlock the checking account bonuses:Unlock 0.05% APY with $5,000 in monthly direct depositsEarn an additional 0.10% APY with a minimum balance of $10,000Earn an extra 0.05% APY with 10 approved debit transactions per statement cycleUFB Direct checking account featuresMinimum opening depositNoneMonthly feesNoneATM fee reimbursementUp to $10 per monthTop APY2.00% APYBank details checked Nov. 21, 2025UFB Portfolio Money Market accountUFB Direct offers a top rate on its money market accounts with the security and rates of a savings account and the ability to write checks. It also offers a free debit card. While the APY is comparable to its base savings account at 3.51% APY, it has a $10 monthly maintenance fee that can be waived with a $5,000 balance.UFB Direct money market account featuresMinimum opening depositNoneMonthly fees$10 maintenance fee waived with a $5,000 balanceTop APY3.51% APYBank details checked Nov. 21, 2025#qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Other services UFB Direct offersThough UFB Bank has limited deposit products, it does offer a variety of mortgages through Axos Bank, including:Conforming mortgage loans:Conforming loans are mortgages that meet criteria set by Fannie Mae and Freddie Mac. Conforming loans are capped based on your county, but it’s $806,500 in most counties. Loan requirements include good to excellent credit and easy-to-document income.Non-conforming loans:These mortgages do not meet Fannie Mae and Freddie Mac. They are for borrowers with loans that are over the conforming limit, or less than stellar credit. You may be eligible for lender fees to be waived if you have a deposit account with UFB Direct.FHA loans:The FHA loans allow for down payments as low as 3.5%. They also have more flexible qualification guidelines with lower credit scores and down payment requirements.Portfolio loans:The Portfolio loan program provides loans from $150,000 to $30 million. These loans do not meet Fannie and Freddie guidelines, with the lender setting the terms instead.VA loans:VA loans are available to veterans, active duty members, and surviving spouses. The Department of Veterans Affairs guarantees these loans and may require no down payment.Jumbo/Super Jumbo loans:Jumbo and super jumbo loans exceed Fannie and Freddie conforming loan limits.. At Axos, these mortgages cover large loans of $30 million or more.Home equity loans/home equity lines of credit:Home equity loans allow you to borrow against the value of your home.UFB Direct offers home equity loans, HELOCs ranging from $30,000 to $250,000, and cash-out refinancing ranging from $50,000 to more than $5 million. You can apply for a mortgage online or by phone. Lender fees are waived on eligible mortgages of $250,000 or more for existing Axos or UFB Direct account holders.UFB Direct platform and customer supportUFB Direct is an online-only bank offering 24/7 online access through its desktop or mobile app. Check your account balances, view your transaction history, transfer funds, and more. You can even deposit your checks remotely using your mobile camera or computer scanner. For more information on digital banks, check out the best online banks and credit unions.You can contact customer service directly through UFB’s platform. Through its parent bank, Axos, you can access a 24/7 phone number as well as the ability to submit a secure message or use its live chat service.Is UFB Direct secure?UFB Direct is a secure bank with standard FDIC insurance of up to $250,000 with no reported data breaches. For high-net-worth individuals, it also offers the ability to insure up to $26500 million by sweeping your deposits to multiple accounts at member institutions in amounts below the $250,000 FDIC insurance maximum.UFB Direct user reviewsUFB Direct’s customers rate the bank at an average of 2.8 out of five stars according to review site, Trustpilot. The online bank has an A+ rating with the Better Business Bureau and only a small number of complaints filed, all of which have been closed. Users report that it can be challenging to contact a live customer service representative or that they’ve had issues moving money out of their accounts.Compare UFB Direct alternativesIf UFB Direct doesn’t quite suit your needs, consider SoFi and Ally as alternatives for an online bank. UFB DirectSoFi®(Member FDIC)Ally BankTop checking account APYTop checking account APYTop checking account APY2.00%0.50%Up to 0.25%Monthly feeMonthly feeMonthly feeN/AN/AN/ATop savings account APYTop savings account APYTop savings account APY3.51% (3.71% if you qualify for the checking-related boost)Get up to 3.60%.1 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.23.30%Online only?Online only?Online only?YesYesYesLearn moreLearn moreLearn moreView offerat UFB DirectView offerat SoFiView offerat MoneyLionBank details checked Nov. 21, 2025ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Is UFB Direct right for you?UFB Direct may be right for you if you’re seeking an online bank that offers a competitive, high-yield savings account without any fees or minimums. It may also be right for high-net-worth individuals who need FDIC insurance up to $265 million. However, it is an online-only bank that doesn’t offer a stand-alone checking account and isn’t right for those who need access to in-person branches. Frequently asked questionsIs UFB Direct safe?Yes, UFB Direct is a safe bank with standard FDIC deposit insurance up to $250,000. For high-net-worth individuals, it offers a sweep account allowing you to be protected to $265 million in expanded FDIC insurance. While it is an online-only bank, it is as safe as a traditional brick-and-mortar option.Which bank owns UFB Direct?UFB Direct is owned by Axos Bank and serves as its online-only division. Axos Bank was established in 2000 and has roughly $20 billion in assets. Axos Bank offers mortgages in addition to the traditional banking products offered by UFB Direct.Where is UFB Direct located?While UFB Direct lists its headquarters in San Diego, California, it is an online-only bank that doesn’t offer branches or its own branded network of ATMs. While it is as safe as a brick-and-mortar alternative, those who need physical locations should consider another bank.SoFi disclaimer1:Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet2: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Enroll in SoFi Plus between 9/18/25 and 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/sofi-plus SoFi Bank, N.A. Member FDIC.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

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  • 2025-12-10 00:50:14

    Current price of gold as of December 2, 2025

    Gold was trading at $4,224 per ounce at 9:20 a.m. Eastern Time on December 2, 2025. This is a $25 fall from yesterday at the same hour and $1,581 higher than a year ago.Gold price per ounce% ChangePrice of gold yesterday$4,249+0.59%Price of gold 1 month ago$3,889-7.93%Price of gold 1 year ago$2,643-37.43%Price of gold yesterdayGold price per ounce$4,249% Change+0.59%Price of gold 1 month agoGold price per ounce$3,889% Change-7.93%Price of gold 1 year agoGold price per ounce$2,643% Change-37.43%For investors wanting an asset less affected by inflation, gold may be a wise choice. Historically, Gold is an asset that appreciates over time. Rather than collecting the actual physical gold manifestations, many people use a gold IRA, which also offers the convenience of not having to store physical gold, which can come with its own cost. Regardless of how you purchase gold, it can help serve as a steady part of a portfolio during market volatility.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical gold price chartGold isn’t a guaranteed answer in every financial environment. In a strong economy, stocks can deliver better returns both in the short and long term. From 1971 to 2024, traditional stocks averaged 10.7% annual returns, while gold averaged 7.9%.Still, gold is a reliable, risk-averse asset during economic uncertainty. That’s why some investors see it more as a store of value instead of a typical investment like stocks or bonds.What does “spot gold” mean?The spot price is the current rate for buying or selling gold immediately in over-the-counter trades. This helps investors track gold demand and market trends. A higher spot price means stronger demand. Unlike futures, the spot price is for immediate settlement.When the price for future delivery is above the spot price, it’s called contango, which is common for commodities with storage costs. If the futures price is lower, it’s called backwardation.Many factors can cause the spot price to fluctuate. Investors should be prepared for this volatility.What is price spread in gold trading?The price spread is the gap between the buying and selling price of an asset.In gold trading, the ask price is the cost to buy, and the bid price is what you’d get for selling. The bid is always less than the ask.A smaller spread means a more liquid market. Tight spreads typically indicate higher gold demand.How to invest in goldIf you picture gold investing as a suitcase filled with gold bars, that’s only part of the story. While buying physical bars, coins, or jewelry is an option, most gold trading happens via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Popular ways to invest in gold include:Gold bars and rounds:Also known as bullion, sold by weight, with purity and manufacturer details marked.Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a future date, allowing speculation without handling the metal.Gold funds:Mutual funds or ETFs invested in gold, with values tied to the underlying assets.Is it a good time to invest in gold?Deciding if now is the right time to invest in gold is subjective. However, gold can help diversify your portfolio and reduce market risk.Gold remains a stable asset amid market volatility. Prices have reached record highs, up more than 25% since early 2025, driven by inflation and uncertainty. Many experts recommend adding gold for diversification.Current precious metals pricesas of 9:20 a.m. ET on December 2, 2025Precious MetalPrice per ounceGold$4,224Silver$58Platinum$1,642Palladium$1,443GoldPrice per ounce$4,224SilverPrice per ounce$58PlatinumPrice per ounce$1,642PalladiumPrice per ounce$1,443Silver, platinum, and palladium are also common portfolio additions. Gold is typically less volatile than silver, which can see major price swings within a day. Silver’s use in industry makes it more responsive to economic trends.Platinum and palladium behave similarly to silver. These rare metals can diversify a portfolio but are usually more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been unsettled for years, with persistent inflation making an impact. Gold can serve as an inflation hedge in your portfolio. With multiple ways to buy, gold is accessible to most investors. Whether through a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which provide a managed, easily traded basket of assets.Is gold a good investment?Gold is a popular choice for those seeking diversification and inflation protection. There are many straightforward ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historical value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.

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THE MONOCLE BRIEFINGS: Craftsmanship 2025-12-12 19:29:57

THE MONOCLE BRIEFINGS: Craftsmanship

BusinessJanuary 24, 2012THE MONOCLE BRIEFINGS: CraftsmanshipSome cities come to mind straight away when you think of craft and design, but it’s also true that untapped markets offer opportunities for entrepreneurship. We talk to designers and artisans in Shanghai, Bradford, Winter Park in Florida and Nový Bor in the Czech Republic, who are reclaiming neglected traditions, adding a contemporary twist and attracting a new, global market.SubscribeEmailiTunesYouTube

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Solving the ‘Tower of Babel’ problem of data transparency for investors 2025-12-15 11:40:07

Solving the ‘Tower of Babel’ problem of data transparency for investors

What would it take to get essential human capital data in the hands of every investor? One of the easiest answers to that question is: transparency. With better disclosure of human capital, we will have greater access to data and the insight that comes from them.Recommended VideoRight now, there are clear rules and regulations around capital disclosures that help investor decisions. These are the “10-K” annual and “10-Q” quarterly reports that all public companies must release to disclose their financial information and capital structure. Right now, there are no equally strict requirements for human capital. Every few years or so, there is a push for more transparent human capital disclosures. Sometimes, there’s some movement on the issue, but usually the policy lands in some form of voluntary disclosure. Currently, companies are required to report on various aspects of total number of FTEs, employee types, turnover rates, and similar metrics, but these have not reached the level of capital disclosures. Unfortunately, even with expectations around transparency, little can be learned because there is no way to compare the data that companies release. Transparency is not enough. Instead, we need clear standards so that all the data can talk to each other. Think about it this way: Even if there was mandatory reporting on job hiring, the reported data would be mostly meaningless outside the context of that one company. If Meta says that they have about 75% of their workforce employed as engineers, for example, what does that actually tell us? What kind of engineers are they? What work do they do each day? And, more importantly, how does that level of employment of the specific type of engineers compare to other companies? Is it the same? Is it different? Has it changed much over the years?Without standards, we end up with a “Tower of Babel” situation: Each company’s data is speaking a different language. There’s no way to know whether a “sales” position in one company is fundamentally the same thing as a “sales” position in another company.Take, for example, the position of an “economist.” I myself am an economist. But when I introduce myself as such, no one knows what that means. It’s ambiguous. Even so, my company hires many economists. So do major companies like IBM and Amazon. Amazon, in particular, is well known for hiring a lot of economists. However, all of these positions are completely different across companies. At IBM, the economists all work on macro-level reports, such as how the geopolitical situation in China will affect mainframe computing exports. They are basically collecting and analyzing trends that would affect the business and sharing those trends with the relevant staff. This might be more similar to a reporter than anything else, or some kind of industry analyst. At my company, we hire economists to basically fill two roles: a hybrid role of data science consultant and client success manager, in which they take the data from our products and help companies understand what this data means. In this way, they are client-facing, almost like customer service representatives. But they also take that data and write articles for our newsletter about trends – similar to the IBM economist focused on trends, but at a micro level, or maybe even a marketer. Amazon, however, hires economists to do three different things: forecasting, testing out new business policies, and assessing the market structure. The forecasters have backgrounds in macro and finance, and time series analysis, and support analyses that consider coming trends. The business policy roles are basically applied statisticians, using data to solve micro business problems. Those that assess the market structure are using different modeling designs to create pricing schemes and other things related to the online market to support business growth. In hiring these types of roles, Amazon is essentially using a data-driven approach to the company’s business practices, helping to maximize decision making in a number of ways. Currently Amazon hires more economists than any organization other than the Federal Reserve. All of these people leverage the position of “economist” to get work done, but comparing the data related to these positions across companies to identify trends would be a worthless endeavor. If an investor was to try to understand workforce trends or even company trends from changes in these positions, any conclusion that would be drawn would be inexplicable or counterintuitive. An investor may look at my team of economists and say we are over investing in research, without understanding that this economist team has a direct influence on our clients happiness (by helping them understand our data) and gaining new clients (by supporting our marketing efforts).I know these nuances between the economist roles across IBM, Amazon, and my company, but that’s because I have direct, qualitative experience in how those companies operate. I have acquired that knowledge through many conversations – and in the case of working at IBM and my own company, direct experience. Very few people have that kind of understanding of how different companies’ workforces are arranged and leveraged. Workforce taxonomies solve this problem. With appropriately designed taxonomies, we can give more accurate titles to positions, or have a deeper understanding of what a position title means. We can see if a company is hiring a macroeconomist that specializes in forecasting or a microeconomist that will help with client success. We can say with high levels of certainty that two jobs are indeed alike, across companies or even industries, and make analyses based on those comparisons. That is because the job titles are not based on arbitrary labels, but systematically determined and categorized through a robust data analysis process. They are developed through a combination of activities, which are the essential building block of work. With these taxonomies in place, investors can make strong inferences about the behavior and health of companies, and invest accordingly. For example, if a corporation makes a big announcement about investing in one area – like AI or VR – with the goal of becoming a market leader, we can look at the workforce data to understand how committed they are to this investment. If the company data shows that the salary they are looking to pay for engineers with an AI or VR speciality is way below market rate, you know that they are not going to obtain the top talent to execute on their bold vision. An investor interested in AI or VR might not want to put too much time or money into a company that isn’t serious about their commitment. Excerpted with permission from the publisher, Wiley, from Job Architecture: Building a Language for Workforce Intelligence by Ben Zweig. Copyright © 2026 by John Wiley & Sons, Inc. All rights reserved. This book is available wherever books and eBooks are sold.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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Analyst who called the dotcom bubble says Americans are turning a deaf ear to AI warnings—and a worse meltdown than 2008 looms 2025-12-22 11:40:56

Analyst who called the dotcom bubble says Americans are turning a deaf ear to AI warnings—and a worse meltdown than 2008 looms

Albert Edwards, the outspoken global strategist at Société Générale—a figure who even refers to himself as a “perma bear”—is certain that the current U.S. equity market, driven largely by high-flying tech and AI, is experiencing a dangerous bubble. (Société Générale, to be clear, does not hold the view that U.S. stocks or AI stocks are in a bubble, noting that Edwards is employed as the in-house alternative view.) While history often repeats itself, Edwards warned recently that the circumstances surrounding this cycle’s inevitable collapse are fundamentally different, potentially leading to a deeper and more painful reckoning for the economy and the average investor.Recommended Video“I think there’s a bubble but there again I always think there’s a bubble,” Edwards told Bloomberg’s Merryn Somerset Webb in a recent appearance on her podcastMerryn Talks Money,noting that during each cycle there is always a “very plausible narrative, very compelling.” However, he was unwavering in his conclusion: “It will end in tears, that much I’m sure of.”Edwards toldFortunein an interview that previous theories about a bubble were “very convincing in 1999 and early 2000; they were very convincing in 2006–2007.” Each time, he said, the “surge in the market was so relentless” that he just stopped talking about bubbles, “because clients get pissed off with you repeating the same thing over and over again and being wrong,” only to change their tune after the bubble bursts. “Generally, when you’re gripped by a bubble, people just don’t want to listen because they’re making so much money.”As he himself frequently points out, Edwards is known as a very bearish market strategist who has made some high-profile and dramatic predictions, often warning about major stock market crashes and recessions. His track record includes famously calling the dotcom bubble, but it also includes warnings that haven’t panned out, such as predicting a potential 75% drop in the S&P 500 from peaks—worse than the 2008 Financial Crisis lows. When theNew York Timesprofiled Edwards in 2010, it noted that the chuckling, Birkenstocks-wearing analyst had been predicting a Japan-style stagnation for U.S. equity markets since 1997 (a prediction he repeated in his interview withFortune).Still, Edwards insists that the current parallels to the late 1990s Nasdaq bubble are clear: extremely rich valuations in tech, with some U.S. companies trading at over 30x forward earnings, justified by compelling growth narratives. Just as the TMT (technology, media, telecom) sector attracted vast, sometimes wasted capital investment in the 1990s, Edwards argued that today’s enthusiasm echoes that earlier era. There are two key differences that could lead to a much worse outcome this time, though.The missing trigger and the melt-up riskIn previous cycles, Edwards explained, the catalyst for a bubble’s demise was usually the monetary authority’s tightening cycle—the Federal Reserve hiking rates and exposing market froth. This time, with the Fed lowering rates, that trigger is conspicuously absent. Bank of America Research has noted the rarity of central banks cutting rates amid rising inflation, which has occurred just 16% of the time since 1973. Ominously, BofA released a note on the “Ghosts of 2007” in August.Instead of tightening, Edwards anticipates the Fed will move away from quantitative tightening and likely shift to quantitative easing “quite soon” because of issues in the U.S. repo markets, another ghost from the Great Recession. The Fed itself issued a staff report in 2021 on repo issues, writing in 2021 that trading between 2007 and 2009 “highlighted important vulnerabilities of the U.S. repo market.” Repo issues reemerged in the pandemic, with the Richmond Fed noting that interest rates “spiked dramatically higher” starting in 2019.Edwards told Bloomberg that the absence of hawkish policy could lead to a “further melt-up,” making the eventual burst even more damaging. Poking fun at himself, Edwards said, “I just got bored being bearish, basically rattling my chains saying, ‘This is all a bubble; it’s all going to collapse.’” He said that he can see how the bubble can actually keep going for much longer than a perma bear like himself would find logical, “and actually that’s when something just comes out the woodwork and takes the legs from out from under the bubble.”“What’s more worrying about the AI bubble,” Edwards toldFortune, “is how much more dependent the economy is on this theme, not just for the business investments, which is driving growth,” but also the fact that consumption growth is being dominated far more than normal by the top quintile. In other words, the richest Americans who are heavily invested in equities are driving more of the economy than during previous bubbles, accounting for a much larger proportion of consumption. “So the economy, if you like, is more vulnerable than it was in the ’87 crash,” Edwards explained, with a 25% or greater correction in stocks meaning that consumer spending will surely suffer—let alone a 50% lurch.Edwards told Bloomberg he was concerned about the widespread participation of retail investors who have been dragged into the market, encouraged to “just buy the dips.” This belief that “the stock market never goes down” is dangerous, Edwards warned, arguing that a 30% or even a 50% decline is very possible. The inequality of American society and the heavy concentration among high earners whose wealth has been “inflated by the stock market” is a major concern for Edwards, who pointed out that if there is a major stock market correction, then U.S. consumption will be “hit very, very badly indeed,” and the entire economy will suffer. This view is increasingly shared by less über-bearish voices on Wall Street, such as Morgan Stanley Wealth Management’s Lisa Shalett.In many ways, Edwards toldFortune, we’re overdue for a correction, noting that apart from two months during the pandemic, there hasn’t been a recession since 2008. “That’s a bloody long time, and the business cycle eventually always goes into recession.” He said it’s been so long that his perma-bear instincts are confused. “The fact I’m less worried about an imminent collapse [right now] makes me worried,” Edwards added with a laugh.Edwards toldFortunethat he’s been through various cycles and bubbles and he gained his perma-bear status in the mid-1990s, when he felt a distant earthquake happening in Asia. “You’ve been around the block a few times, you just do become cynical,” he said, before correcting himself: “That’s not the right word. You become extremely skeptical of the full narrative.” He proudly repeats the story about how, when he was at Dresdner Kleinwort in the ’90s, he wrote with skepticism about Malaysia’s economic boom at the time, only to be surprised when Thailand blew up first. Nevertheless, he said, “we lost all our banking licenses [in Malaysia] because of what I wrote,” adding that the story is still proudly pinned to his X.com account.“I had to sort of basically hide under my desk,” Edwards said of the inward reception to the emergence of his inner bear. “Corporate finance banking departments certainly didn’t appreciate losing all their banking licenses. But in retrospect, you know, they avoided a final year of lending to Malaysia before it blew up. They didn’t thank me afterwards.”Fiscal incontinence and cockroachesBeyond equity valuations, Edwards has been highlighting two other major underlying risks that point to systemic vulnerability. First, Edwards emphasized the long-term risk of inflation in the West, driven by “fiscal incontinence.” Despite short-term cyclical deflationary pressure emanating from China—which has seen 12 successive quarters of year-on-year declines in its GDP deflator—Edwards said he believes the path of least resistance for highly indebted Western politicians will be “money printing.” At some point, the mathematics for fiscal sustainability “just do not add up,” forcing central banks to intervene through “yield curve control” or quantitative easing to hold down bond yields.This is where Edwards’ long-held thesis about Japan comes in, what he calls “the Ice Age.” Around 1996, he said, he started thinking that “what’s happening in Japan will come to Europe and the U.S. with a lag.” He explained that the bursting of the Japanese stock bubble led to all kinds of nasty things: real interest rates collapsing, inflation going to zero, bond yields going to zero. Ultimately, it was a period of low growth that Japan still has not been able to break out of. The difference with the U.S., he added, is that Japanification actually started happening in 2000 with the dotcom bubble bursting, but “the relationship broke” between the economy and asset prices as the Fed began “throwing money” at the problem through QE. The U.S. has essentially been in a 25-year bubble since then that is due to burst any day now, he argued—it’s been due any day for a quarter-century.“We’re going to end up with runaway inflation at some point,” Edwards toldFortune, “because, I mean, that’s the end game, right? There’s no appetite to cut back the deficits. We bring back the QE, if and when this bubble bursts, the only solution is more QE, and then we end up with inflation, maybe even worse than 2022.”Edwards also sees a smoking gun in home prices. “You look at the U.S. housing market, you think, ‘Well, actually, is the Fed just too loose relative to everywhere else?’ Because why should other housing bubbles have deflated in terms of house price earnings ratio, but the U.S. is still stuck up there at maximum valuation or close to it?” In a flourish that shows why Edwards is so respected despite his broken-record reputation, he notes that in a Bloomberg Opinion piece from 2018, legendary former Fed Chair Paul Volcker “eviscerated the Fed just before he died.” The central banker who famously slew inflation in the 1980s argued that the modern era’s loose monetary policy was “a grave error of judgment…basically just kicking the can down the road.” Edwards shared an OECD chart withFortuneto show just how much U.S. housing has decoupled from global markets because the Fed has been too loose.The analyst also said he applied his skepticism to private equity, an asset class that he sees having benefited immensely from years of falling bond yields and leverage. Private equity’s advantage has been its tax treatment and the fact that “it doesn’t have to mark itself to market, so it isn’t very volatile.” However, the sector is highly leveraged, and if the global environment shifts to a secular bear market for bonds, he said that would be a “major problem.” Recent high-profile bankruptcies have started to leak into bond markets, prompting concern of “credit cockroaches,” as JPMorgan Chase CEO Jamie Dimon recently labeled the issue.Drawing on the metaphor that “you never have just one cockroach,” Edwards warned that these bankruptcies signal deeper issues in a highly leveraged sector that has spread its “tentacles…deeply into the real economy.”Fortunenotes to Edwards that more mainstream, less bearish voices are sounding similar warnings, including Mohamed El-Erian at the Yahoo Finance Invest conference and Jeffrey Gundlach, the “bond king,” who takes a similarly skeptical view of private equity. Edwards agreed that something is in the air. “I would say there are more voices of skepticism. And again, this is one thing which makes me worry. This bubble can go on. If it is a bubble [it] can go on quite a long while. Well, we can kick the can down the road many times. Normally, the skeptics are swept aside.”For investors trapped between the fear of a collapse and the fear of missing a melt-up, Edwards advised investors to take him with a grain of salt but be mindful of potential warning signs. “I say that I predict a recession every year. Don’t listen to me, but these are the things you should be looking out for.” Paraphrasing an infamous quote from former Citi CEO Chuck Prince that summed up the bubble mentality with a metaphor about a dance party, Edwards recommended: “In terms of dancing while the music’s still playing, you have to decide whether to be in front of the band, pogoing, or dancing close to the fire escape, ready to get out first.”Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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Blatt Chaya 2025-12-21 10:24:18

Blatt Chaya

BusinessLebanonAugust 17, 2010Blatt ChayaLebanese retiree Edgard Chaya got into the tile-making trade by chance, after stumbling upon a suitcase belonging to a great uncle. Inside, Chaya discovered a set of curious metal shapes and moulds – castings to make traditional cement floor tiles. Monocle spent time in Beirut to watch how this small family firm has brought the art of ciment coloré back into fashion.Editor Aleksander SolumSubscribeEmailiTunesYouTube

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Two Income ETFs Outperforming the S&P 500 This Year

Two Income ETFs Outperforming the S&P 500 This Year

I’m generally not a fan of chasing returns, whether they be in individual stocks or in mutual funds or exchange traded funds (ETFs). However, I also know that investors look for above-market returns, and want to at least check out the funds that outperformed broader indexes to see what companies these funds are invested in, and why there’s some sort of outperformance differential. -->-->Key PointsCreating passive income via investing in ETFs can seem like a good idea, but many don’t beat benchmarks like the S&P 500.Here are three that have, and why they look like buying opportunities here.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.(Sponsor)-->-->To be honest, I’m a creature of curiosity as well, so this is one educational exercise I thought I’d dive into to provide some value to readers as well. I’m looking for income-focused ETFs that have outperformed the S&P 500 on a year-to-date basis (I put the end of September as the cut off date, for simplicity’s sake). As of Sep. 30, the S&P 500 produced a year-to-date return of around 14.5%, so let’s dive into three income ETFs that managed to beat this benchmark and why. Laffer Tengler Equity Income ETF (TGLR)Loading stock data...One ETF I haven’t touched on in the past, but which has clearly been a winner thus far this year, is the Laffer Tengler Equity Income ETF (TGLR). Shares of TGLR are up more than 20% at the time of writing, providing investors with a spread of around 6% over and above the performance of the benchmark S&P 500 index. What’s impressive about this performance is the fact that the Laffer Tengler Equity Income ETF is concentrated on large-cap U.S. stocks. Given the high concentration of mega-cap stocks within the S&P 500 (indices are typically weighted by market capitalization), one might expect to see much more consistent performance. Now, both funds do provide investors with very high correlation to the same assets. But for a fund like TGLR that has an even more aggressive size and quality tilt, one can expect to see outperformance and underperformance, depending on the point in the market cycle we’re in. For those who think this rally can continue, and want to invest in an ETF that uses a 12-factor model to pick stocks on the basis of valuation and dividend potential, this is a great way to go. Franklin U.S. Core Dividend Tilt ETF (UDIV)Loading stock data...Another top dividend-focused ETF which managed to beat the market (excluding its dividend yield of 1.5%, still higher than the S&P 500’s) is the Franklin U.S. Core Dividend Tilt ETF (UDIV). This ETF is up approximately 15.5% this year, driven by strong growth seen in the a wide range of sectors.Unlike the other ETFs on this list that have tilted their portfolios more aggressively toward tech stocks, UDIV has a more balanced and moderate portfolio of a range of companies in varying industries. Now, these companies clearly have outsized growth potential, or this fund would not have beaten the overall S&P 500 since the beginning of the year. But I also think this fund’s core holdings having higher dividend yields than other comparable income ETFs does signal a trend which could be coming to the surface – more investors want to own income-paying equities as interest rates come down.For investors who think the Federal Reserve will cut interest rates again, this is a top ETF to consider right now. At least, that’s my view. ProShares S&P Technology Dividend Artistocrats ETF (TDV)Loading stock data...Last, but certainly not least on this list of income ETFs that have outperformed the broader market is the ProShares S&P Technology Dividend Aristocrats ETF (TDV). This ETF has posted a year-to-date performance of around 16.5%, so investors in this fund have had even better of a run than those in SPY, at least thus far in 2025.That shouldn’t make too many investors confused, since this ETF is almost entirely tech focused. As is the case with other market-beating funds, it’s really impossible to beat the S&P 500 without being even more overweight tech than the broader index. That’s the case here, with the TDV ETF tracking the S&P 500 Technology Dividend Aristocrats, a group of companies that have maintained dividends for at least seven years. What’s interesting about this fact is that many of the “Magnificent 7” and similar mega-cap tech stocks either don’t pay a dividend, or haven’t for seven years. Thus, the quality of companies within this portfolio, and the selection process behind the scenes does appear to be world-class. If You have $500,000 Saved, Retirement Could Be Closer Than You Think (sponsor)Retirement can be daunting, but it doesn’t need to be.Imagine having an expert in your corner to help you with your financial goals. Someone to help you determine if you’re ahead, behind, or right on track. With SmartAsset, that’s not just a dream—it’s reality. This free tool connects you with pre-screened financial advisors who work in your best interests. It’s quick, it’s easy, so take the leap today and start planning smarter!Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)

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Novo Nordisk stock trades at 4-year-low on the back of disappointing Alzheimer’s trial

Novo Nordisk stock trades at 4-year-low on the back of disappointing Alzheimer’s trial

Novo Nordisk’s stock is experiencing a steep drop following major clinical setbacks and intensifying competitive pressure in the weight-loss-drug market.Recommended VideoU.S.-listed shares fell over 5% on Monday to a four-year low, around $45, continuing a downward spiral that has seen the company lose nearly half its value since the beginning of 2025.​A leading factor in this decline was the announcement that semaglutide—the core ingredient in Novo Nordisk’s blockbuster drugs Ozempic and Wegovy—failed to slow cognitive deterioration in two major clinical trials addressing Alzheimer’s disease.Results from the EVOKE and EVOKE+ trials showed no significant advantage over a placebo, erasing hopes that the company could expand its diabetes and obesity franchise into neurodegenerative disorders.“While treatment with semaglutide resulted in improvement of Alzheimer’s disease–related biomarkers in both trials, this did not translate into a delay of disease progression,” the company said.Analyst skepticism had been building, but this definitive trial failure has wiped out near-term prospects for growth from new indications. ​Investors question whether external acquisitions can make up for underperformance in the company’s pipeline. ​Novo Nordisk’s decision to spend $2 billion licensing a GLP-1 weight-loss drug from China is seen by analysts as a gamble after recent failures.Weakening momentum of blockbuster drugsNovo Nordisk’s outlook is also clouded by ongoing regulatory and price pressures, especially as governments push for broader insurance coverage and lower costs for obesity treatments.Even before the trial disappointment, Novo Nordisk was facing slowing sales growth for its bestselling Wegovy and Ozempic weight-loss drugs. Lower prescription rates in the U.S. and increased competition from rivals like Eli Lilly—whose rival drug Zepbound is gaining market share—have triggered worries about sustained demand.Novo has been forced to implement dramatic price cuts, first by roughly 50% to $499, and then even further to $349, in efforts to retain its foothold. These discounts directly impact profit margins and indicate troubles maintaining growth.​Wall Street is also reacting to significant leadership changes and layoffs, while recent guidance cuts for sales and operating profit growth have added to the negative sentiment.​ That’s after restructuring costs and impaired asset write-offs have further weighed down earnings.Gross margin dropped significantly, too, with rising costs for sales, distribution, and ongoing capacity expansions putting additional strain on profitability.​Fortune’s Vivienne Walt asked in March whether the company could find its next blockbuster drug before the boom ended, and that is still an open question.​For this story, Fortune used generative AI to help with an initial draft. An editor verified the accuracy of the information before publishing. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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Solving the ‘Tower of Babel’ problem of data transparency for investors

Solving the ‘Tower of Babel’ problem of data transparency for investors

What would it take to get essential human capital data in the hands of every investor? One of the easiest answers to that question is: transparency. With better disclosure of human capital, we will have greater access to data and the insight that comes from them.Recommended VideoRight now, there are clear rules and regulations around capital disclosures that help investor decisions. These are the “10-K” annual and “10-Q” quarterly reports that all public companies must release to disclose their financial information and capital structure. Right now, there are no equally strict requirements for human capital. Every few years or so, there is a push for more transparent human capital disclosures. Sometimes, there’s some movement on the issue, but usually the policy lands in some form of voluntary disclosure. Currently, companies are required to report on various aspects of total number of FTEs, employee types, turnover rates, and similar metrics, but these have not reached the level of capital disclosures. Unfortunately, even with expectations around transparency, little can be learned because there is no way to compare the data that companies release. Transparency is not enough. Instead, we need clear standards so that all the data can talk to each other. Think about it this way: Even if there was mandatory reporting on job hiring, the reported data would be mostly meaningless outside the context of that one company. If Meta says that they have about 75% of their workforce employed as engineers, for example, what does that actually tell us? What kind of engineers are they? What work do they do each day? And, more importantly, how does that level of employment of the specific type of engineers compare to other companies? Is it the same? Is it different? Has it changed much over the years?Without standards, we end up with a “Tower of Babel” situation: Each company’s data is speaking a different language. There’s no way to know whether a “sales” position in one company is fundamentally the same thing as a “sales” position in another company.Take, for example, the position of an “economist.” I myself am an economist. But when I introduce myself as such, no one knows what that means. It’s ambiguous. Even so, my company hires many economists. So do major companies like IBM and Amazon. Amazon, in particular, is well known for hiring a lot of economists. However, all of these positions are completely different across companies. At IBM, the economists all work on macro-level reports, such as how the geopolitical situation in China will affect mainframe computing exports. They are basically collecting and analyzing trends that would affect the business and sharing those trends with the relevant staff. This might be more similar to a reporter than anything else, or some kind of industry analyst. At my company, we hire economists to basically fill two roles: a hybrid role of data science consultant and client success manager, in which they take the data from our products and help companies understand what this data means. In this way, they are client-facing, almost like customer service representatives. But they also take that data and write articles for our newsletter about trends – similar to the IBM economist focused on trends, but at a micro level, or maybe even a marketer. Amazon, however, hires economists to do three different things: forecasting, testing out new business policies, and assessing the market structure. The forecasters have backgrounds in macro and finance, and time series analysis, and support analyses that consider coming trends. The business policy roles are basically applied statisticians, using data to solve micro business problems. Those that assess the market structure are using different modeling designs to create pricing schemes and other things related to the online market to support business growth. In hiring these types of roles, Amazon is essentially using a data-driven approach to the company’s business practices, helping to maximize decision making in a number of ways. Currently Amazon hires more economists than any organization other than the Federal Reserve. All of these people leverage the position of “economist” to get work done, but comparing the data related to these positions across companies to identify trends would be a worthless endeavor. If an investor was to try to understand workforce trends or even company trends from changes in these positions, any conclusion that would be drawn would be inexplicable or counterintuitive. An investor may look at my team of economists and say we are over investing in research, without understanding that this economist team has a direct influence on our clients happiness (by helping them understand our data) and gaining new clients (by supporting our marketing efforts).I know these nuances between the economist roles across IBM, Amazon, and my company, but that’s because I have direct, qualitative experience in how those companies operate. I have acquired that knowledge through many conversations – and in the case of working at IBM and my own company, direct experience. Very few people have that kind of understanding of how different companies’ workforces are arranged and leveraged. Workforce taxonomies solve this problem. With appropriately designed taxonomies, we can give more accurate titles to positions, or have a deeper understanding of what a position title means. We can see if a company is hiring a macroeconomist that specializes in forecasting or a microeconomist that will help with client success. We can say with high levels of certainty that two jobs are indeed alike, across companies or even industries, and make analyses based on those comparisons. That is because the job titles are not based on arbitrary labels, but systematically determined and categorized through a robust data analysis process. They are developed through a combination of activities, which are the essential building block of work. With these taxonomies in place, investors can make strong inferences about the behavior and health of companies, and invest accordingly. For example, if a corporation makes a big announcement about investing in one area – like AI or VR – with the goal of becoming a market leader, we can look at the workforce data to understand how committed they are to this investment. If the company data shows that the salary they are looking to pay for engineers with an AI or VR speciality is way below market rate, you know that they are not going to obtain the top talent to execute on their bold vision. An investor interested in AI or VR might not want to put too much time or money into a company that isn’t serious about their commitment. Excerpted with permission from the publisher, Wiley, from Job Architecture: Building a Language for Workforce Intelligence by Ben Zweig. Copyright © 2026 by John Wiley & Sons, Inc. All rights reserved. This book is available wherever books and eBooks are sold.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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Analyst who called the dotcom bubble says Americans are turning a deaf ear to AI warnings—and a worse meltdown than 2008 looms

Analyst who called the dotcom bubble says Americans are turning a deaf ear to AI warnings—and a worse meltdown than 2008 looms

Albert Edwards, the outspoken global strategist at Société Générale—a figure who even refers to himself as a “perma bear”—is certain that the current U.S. equity market, driven largely by high-flying tech and AI, is experiencing a dangerous bubble. (Société Générale, to be clear, does not hold the view that U.S. stocks or AI stocks are in a bubble, noting that Edwards is employed as the in-house alternative view.) While history often repeats itself, Edwards warned recently that the circumstances surrounding this cycle’s inevitable collapse are fundamentally different, potentially leading to a deeper and more painful reckoning for the economy and the average investor.Recommended Video“I think there’s a bubble but there again I always think there’s a bubble,” Edwards told Bloomberg’s Merryn Somerset Webb in a recent appearance on her podcastMerryn Talks Money,noting that during each cycle there is always a “very plausible narrative, very compelling.” However, he was unwavering in his conclusion: “It will end in tears, that much I’m sure of.”Edwards toldFortunein an interview that previous theories about a bubble were “very convincing in 1999 and early 2000; they were very convincing in 2006–2007.” Each time, he said, the “surge in the market was so relentless” that he just stopped talking about bubbles, “because clients get pissed off with you repeating the same thing over and over again and being wrong,” only to change their tune after the bubble bursts. “Generally, when you’re gripped by a bubble, people just don’t want to listen because they’re making so much money.”As he himself frequently points out, Edwards is known as a very bearish market strategist who has made some high-profile and dramatic predictions, often warning about major stock market crashes and recessions. His track record includes famously calling the dotcom bubble, but it also includes warnings that haven’t panned out, such as predicting a potential 75% drop in the S&P 500 from peaks—worse than the 2008 Financial Crisis lows. When theNew York Timesprofiled Edwards in 2010, it noted that the chuckling, Birkenstocks-wearing analyst had been predicting a Japan-style stagnation for U.S. equity markets since 1997 (a prediction he repeated in his interview withFortune).Still, Edwards insists that the current parallels to the late 1990s Nasdaq bubble are clear: extremely rich valuations in tech, with some U.S. companies trading at over 30x forward earnings, justified by compelling growth narratives. Just as the TMT (technology, media, telecom) sector attracted vast, sometimes wasted capital investment in the 1990s, Edwards argued that today’s enthusiasm echoes that earlier era. There are two key differences that could lead to a much worse outcome this time, though.The missing trigger and the melt-up riskIn previous cycles, Edwards explained, the catalyst for a bubble’s demise was usually the monetary authority’s tightening cycle—the Federal Reserve hiking rates and exposing market froth. This time, with the Fed lowering rates, that trigger is conspicuously absent. Bank of America Research has noted the rarity of central banks cutting rates amid rising inflation, which has occurred just 16% of the time since 1973. Ominously, BofA released a note on the “Ghosts of 2007” in August.Instead of tightening, Edwards anticipates the Fed will move away from quantitative tightening and likely shift to quantitative easing “quite soon” because of issues in the U.S. repo markets, another ghost from the Great Recession. The Fed itself issued a staff report in 2021 on repo issues, writing in 2021 that trading between 2007 and 2009 “highlighted important vulnerabilities of the U.S. repo market.” Repo issues reemerged in the pandemic, with the Richmond Fed noting that interest rates “spiked dramatically higher” starting in 2019.Edwards told Bloomberg that the absence of hawkish policy could lead to a “further melt-up,” making the eventual burst even more damaging. Poking fun at himself, Edwards said, “I just got bored being bearish, basically rattling my chains saying, ‘This is all a bubble; it’s all going to collapse.’” He said that he can see how the bubble can actually keep going for much longer than a perma bear like himself would find logical, “and actually that’s when something just comes out the woodwork and takes the legs from out from under the bubble.”“What’s more worrying about the AI bubble,” Edwards toldFortune, “is how much more dependent the economy is on this theme, not just for the business investments, which is driving growth,” but also the fact that consumption growth is being dominated far more than normal by the top quintile. In other words, the richest Americans who are heavily invested in equities are driving more of the economy than during previous bubbles, accounting for a much larger proportion of consumption. “So the economy, if you like, is more vulnerable than it was in the ’87 crash,” Edwards explained, with a 25% or greater correction in stocks meaning that consumer spending will surely suffer—let alone a 50% lurch.Edwards told Bloomberg he was concerned about the widespread participation of retail investors who have been dragged into the market, encouraged to “just buy the dips.” This belief that “the stock market never goes down” is dangerous, Edwards warned, arguing that a 30% or even a 50% decline is very possible. The inequality of American society and the heavy concentration among high earners whose wealth has been “inflated by the stock market” is a major concern for Edwards, who pointed out that if there is a major stock market correction, then U.S. consumption will be “hit very, very badly indeed,” and the entire economy will suffer. This view is increasingly shared by less über-bearish voices on Wall Street, such as Morgan Stanley Wealth Management’s Lisa Shalett.In many ways, Edwards toldFortune, we’re overdue for a correction, noting that apart from two months during the pandemic, there hasn’t been a recession since 2008. “That’s a bloody long time, and the business cycle eventually always goes into recession.” He said it’s been so long that his perma-bear instincts are confused. “The fact I’m less worried about an imminent collapse [right now] makes me worried,” Edwards added with a laugh.Edwards toldFortunethat he’s been through various cycles and bubbles and he gained his perma-bear status in the mid-1990s, when he felt a distant earthquake happening in Asia. “You’ve been around the block a few times, you just do become cynical,” he said, before correcting himself: “That’s not the right word. You become extremely skeptical of the full narrative.” He proudly repeats the story about how, when he was at Dresdner Kleinwort in the ’90s, he wrote with skepticism about Malaysia’s economic boom at the time, only to be surprised when Thailand blew up first. Nevertheless, he said, “we lost all our banking licenses [in Malaysia] because of what I wrote,” adding that the story is still proudly pinned to his X.com account.“I had to sort of basically hide under my desk,” Edwards said of the inward reception to the emergence of his inner bear. “Corporate finance banking departments certainly didn’t appreciate losing all their banking licenses. But in retrospect, you know, they avoided a final year of lending to Malaysia before it blew up. They didn’t thank me afterwards.”Fiscal incontinence and cockroachesBeyond equity valuations, Edwards has been highlighting two other major underlying risks that point to systemic vulnerability. First, Edwards emphasized the long-term risk of inflation in the West, driven by “fiscal incontinence.” Despite short-term cyclical deflationary pressure emanating from China—which has seen 12 successive quarters of year-on-year declines in its GDP deflator—Edwards said he believes the path of least resistance for highly indebted Western politicians will be “money printing.” At some point, the mathematics for fiscal sustainability “just do not add up,” forcing central banks to intervene through “yield curve control” or quantitative easing to hold down bond yields.This is where Edwards’ long-held thesis about Japan comes in, what he calls “the Ice Age.” Around 1996, he said, he started thinking that “what’s happening in Japan will come to Europe and the U.S. with a lag.” He explained that the bursting of the Japanese stock bubble led to all kinds of nasty things: real interest rates collapsing, inflation going to zero, bond yields going to zero. Ultimately, it was a period of low growth that Japan still has not been able to break out of. The difference with the U.S., he added, is that Japanification actually started happening in 2000 with the dotcom bubble bursting, but “the relationship broke” between the economy and asset prices as the Fed began “throwing money” at the problem through QE. The U.S. has essentially been in a 25-year bubble since then that is due to burst any day now, he argued—it’s been due any day for a quarter-century.“We’re going to end up with runaway inflation at some point,” Edwards toldFortune, “because, I mean, that’s the end game, right? There’s no appetite to cut back the deficits. We bring back the QE, if and when this bubble bursts, the only solution is more QE, and then we end up with inflation, maybe even worse than 2022.”Edwards also sees a smoking gun in home prices. “You look at the U.S. housing market, you think, ‘Well, actually, is the Fed just too loose relative to everywhere else?’ Because why should other housing bubbles have deflated in terms of house price earnings ratio, but the U.S. is still stuck up there at maximum valuation or close to it?” In a flourish that shows why Edwards is so respected despite his broken-record reputation, he notes that in a Bloomberg Opinion piece from 2018, legendary former Fed Chair Paul Volcker “eviscerated the Fed just before he died.” The central banker who famously slew inflation in the 1980s argued that the modern era’s loose monetary policy was “a grave error of judgment…basically just kicking the can down the road.” Edwards shared an OECD chart withFortuneto show just how much U.S. housing has decoupled from global markets because the Fed has been too loose.The analyst also said he applied his skepticism to private equity, an asset class that he sees having benefited immensely from years of falling bond yields and leverage. Private equity’s advantage has been its tax treatment and the fact that “it doesn’t have to mark itself to market, so it isn’t very volatile.” However, the sector is highly leveraged, and if the global environment shifts to a secular bear market for bonds, he said that would be a “major problem.” Recent high-profile bankruptcies have started to leak into bond markets, prompting concern of “credit cockroaches,” as JPMorgan Chase CEO Jamie Dimon recently labeled the issue.Drawing on the metaphor that “you never have just one cockroach,” Edwards warned that these bankruptcies signal deeper issues in a highly leveraged sector that has spread its “tentacles…deeply into the real economy.”Fortunenotes to Edwards that more mainstream, less bearish voices are sounding similar warnings, including Mohamed El-Erian at the Yahoo Finance Invest conference and Jeffrey Gundlach, the “bond king,” who takes a similarly skeptical view of private equity. Edwards agreed that something is in the air. “I would say there are more voices of skepticism. And again, this is one thing which makes me worry. This bubble can go on. If it is a bubble [it] can go on quite a long while. Well, we can kick the can down the road many times. Normally, the skeptics are swept aside.”For investors trapped between the fear of a collapse and the fear of missing a melt-up, Edwards advised investors to take him with a grain of salt but be mindful of potential warning signs. “I say that I predict a recession every year. Don’t listen to me, but these are the things you should be looking out for.” Paraphrasing an infamous quote from former Citi CEO Chuck Prince that summed up the bubble mentality with a metaphor about a dance party, Edwards recommended: “In terms of dancing while the music’s still playing, you have to decide whether to be in front of the band, pogoing, or dancing close to the fire escape, ready to get out first.”Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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Is Opening a New Credit Card Every Year a Smart Move For Perks and Payments?

Is Opening a New Credit Card Every Year a Smart Move For Perks and Payments?

-->Key PointsA Reddit user is wondering if opening up a new card once a year is too much.While getting new cardholder bonuses is attractive, opening cards too frequently can damage your credit and put you at risk of missed or late payments.Instead of opening too many cards, consider researching and finding one or two really great cards that are a good fit.It’s hard to believe, but today there are credit cards offering up to 5% cash back, large statement credits, $0 annual fees, travel rewards, and more. See for yourself. If you apply for a card today you could secure some of the best rewards out there. Get started today.-->-->A Reddit user is thinking about taking an unconventional approach to earning credit card rewards. The original poster said in a recent thread that he wanted to open a new credit card every year. He’d pay his insurance on it, which would give him enough charges to qualify for a new cardmember bonus. He could then take advantage of all the perks the card offered, including the rewards and that new cardmember bonus, which was effectively free money. The poster wanted to know if this was a bad idea and if there were any downsides to it. So, let’s take a look at whether it is a good strategy or one that isn’t likely to pan out in the end.Pros and cons of opening a new credit cardThe OP’s plan to open a new card and make an insurance payment with it each year isn’t necessarily the worst idea in the world. In fact, there’s one big perk of taking this approach.  If the OP opens the new card specifically to pay insurance premiums, this should hopefully give him enough money to earn the new cardmember bonus for that card, without feeling pressured to spend on a bunch of stuff. New cardmember bonuses often require you to spend $500 or even $1,000 or more in the first three months to qualify for added cash back, rewards, or miles. Covering one big fixed cost on the card eliminates the need to do that, reducing the chances of overspending. However, there are also some big downsides to opening a new card every year, including the following:Too many inquiries hurt your credit score. Inquiries are requests to check your credit when you apply for a new loan or a new card. They stay on your credit history for two years, and too many can reduce your score because applying for so much credit in a short time suggests you may be getting into too much debt.You’ll lower your average age of credit. This is another important part of your credit score. A longer average age of credit is better, as it shows you have been responsible for a long time. Unfortunately, if you open a new card each year, your average age of credit will remain shorter because you’ll constantly be adding a new credit line. You’ll end up with a lot of cards to manage. Getting a new card every year can leave you with an overwhelming number of credit cards. It may soon become hard to keep track of everything, which means you could risk missing payments. You could also end up using the wrong card for each purchase because you can’t really remember which of your many cards provides bonus rewards for gas, groceries, or travel. There’s an opportunity cost. When you spend time researching, opening a new card, and changing your payments to it, this can all take time. If you have other, more lucrative or more fun things that you could be doing with your time, you may not want to waste it chasing a few hundred dollars in credit card rewards. Your card issuers may cut you off. Card companies don’t really want customers who open their card to get a new cardmember bonus and then leave the cards sitting in a drawer instead of using them. You could find yourself eventually getting cut off from getting new credit, as some companies have rules on how frequently you can apply for cards.  Your card issuer could also close accounts or reduce your credit limit if you aren’t using your cards regularly, which would be hard to do if you have a ton of them.All of these downsides must be carefully considered because they may convince you that opening new cards all the time isn’t worth it.Is opening a new card every year a smart choice?For many people, opening a new card each year is simply too much. It’s a lot easier to find one or two great cash back cards, charge as much as you can on them, and make the most of your rewards that way. Just check out the card options available, find one that is a good fit for you, and make sure you pay off your card on time and in full every month. Today’s Top Rated Credit Cards Are Hard to Believe (sponsor)It’s hard to believe, but today there are credit cards offering up to 5% cash back, $0 annual fees, travel rewards, and more. See for yourself.I couldn’t believe it at first. Frankly, with rewards this good I don’t expect them to be available forever. But if you apply for a card today you could secure some of the best rewards out there. Get started and find your best card today. 

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Nano Nuclear Energy (Nasdaq: NNE) Shoots Up 20% On Nuclear Sentiment Change

Nano Nuclear Energy (Nasdaq: NNE) Shoots Up 20% On Nuclear Sentiment Change

Nano Nuclear Energy (Nasdaq: NNE) is going vertical today, with shares up over 20% on an ongoing sentiment shift towards nuclear energy amid positive developments for the industry, and Nano in particular.In a validating moment just 11 days ago Nano was included in the S&P Global Broad Market Index (BMI). According to the press release from Nano:“With more than 14,000 companies included, the BMI provides the foundation for institutional investors, ETFs, and strategy indices — including those focused on factors and ESG investing.”The renaissance of nuclear energy from environmental problem child to champion of ESG is quite a shift, but Nano Nuclear is clearly benefiting from the changing sentiment. They are not the only one, either. Fellow nuclear power company Oklo is up over 9% today. As the saying goes, a rising tide lifts all boats.And what a tide it’s been. President Trump signed a deal with the UK to build a dozen nuclear reactors in the country, and has promised to fast track permitting domestically as AI data centers start forecasting power needs on par with major cities. Elon Musk’s ambitions with Colossus is resulting in him rehabilitating a plant capable of generating over a gigawatt of power, enough to power 800,000 US homes.Nano Nuclear, Oklo, and others are riding a wave of ever-increasing tech ambitions. AI is not a normal investment cycle, but an arms race that executives see as a must-win, and existential moment for them. Larry Page has apparently said of Alphabet that “I am willing to go bankrupt rather than lose this race”When you combine the free cash flow power of companies like Google (which generated $73 of free cash flow last year) add it Meta, Apple, Amazon and others, and then mix with the US government now seeing nuclear energy as essential not only to winning the AI race but also national security and manufacturing broadly… well you get an absolute tsunami of capital that can only benefit companies like Nano Nuclear Energy for years to come.If you’re one of the over 4 Million Americans  retiring this year, pay attention. (sponsor)Finding a financial advisor who puts your interest first can be the difference between a rich retirement and barely getting by, and today it’s easier than ever. SmartAsset’s free tool matches you with up to three fiduciary financial advisors that serve your area in minutes. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; get started right here and help your retirement dreams become a retirement reality.(sponsor)

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5 Best Dividend Stocks in the S&P 500

5 Best Dividend Stocks in the S&P 500

Key PointsThese dividend stocks have blue-chip businesses.Their payout ratios are low and cash flows are reliable.Each stock is in a different sector and is a leading name.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.(Sponsor)Income investors rarely chase the loudest headlines. They look for companies that mail out checks, no matter what the talking heads predict for next quarter, and the S&P 500 is still the most convenient hunting ground for that kind of reliability.The index has been shifting more towards growth due to the mega-cap stocks doing extremely well over the past three years, and then being joined in by a new group of AI stocks that have ballooned into the top rankings. However, it also has some of the best dividend stocks you can find.The challenge is that the highest yields often sit on businesses whose earnings are shrinking faster than their share price, so a fat number on the screen can be a trap rather than a treat. The following five dividend stocks get you a greatyield that is both rising and sustainable.Realty Income (O)Realty Income (NYSE:O)is called “The Monthly Dividend Company” for good reason. It has been consistently returning cash to its shareholders while increasing the payout. The company is a real estate investment trust. Nevertheless, its clients are often stable retail companies that can weather downturns and keep growing.Realty Income has been able to declare 664 consecutive monthly dividends and is recognized as a Dividend Aristocrat stock for that long record.On top of that, Realty Income’s occupancy rate is among the highest in the REIT industry. Even in 2008, the occupancy rate stood at 97%. If it can pay dividends through the most intense recession to hit the real estate market in modern history, it can keep them rising during good times.You get a 5.39% dividend yield. The payout ratio is very sustainable at 75.45%.Verizon (VZ)Many would scoff atVerizon (NYSE:VZ)if it were portrayed as a good dividend stock two years ago. Today, the scenario has completely shifted. This telecom company had a boatload of debt on its balance sheet during one of the most aggressive periods of interest rate hikes, but managed to keep dividends flowing.Now, as interest rate cuts go down and the AI rally becomes the market’s main focus, VZ stock is becoming a very lucrative opportunity. Its stock has traded sideways year-to-date, but interest rate cuts directly help the company’s bottom line, plus the AI build-out is leading to more demand for Verizon’s extensive infrastructure.I expect VZ stock to follow in the footsteps ofAT&T (NYSE:T)stock in the coming quarters.In the meantime, you get a 6.85% forward dividend yield that has grown for 21 consecutive years. The icing on the cake is that Verizon’s dividend payout ratio is just 57.66%. As debt servicing eases, Verizon will be left with even more room for dividend hikes.Duke Energy (DUK)Duke Energy (NYSE:DUK)is a big electric and gas company that keeps the lights on and the gas flowing for its 7.5 million electric customers and 1.6 million gas customers across six states, mainly in the Southeast and Midwest.It’s one of the best dividend stocks you can buy in the current environment, thanks to tariffs plus interest rate cuts. Lower Treasury yields are making the 3.32% forward yield increasingly juicier when you consider the rate base growth.It has a 5-year CapEx plan of $87 billion to boost growth and margins, with regulators being wooed to approve better rates in exchange for those investments in their states.Furthermore, the Trump-2 admin wants “energy dominance” and is expediting transmission projects to keep up with demand from AI data centers.The payout ratio is 66.45%, and the company has had 14 consecutive years of dividend growth on record.Coca-Cola (KO)Coca-Cola (NYSE:KO)is a no-brainer pick for any portfolio of blue-chip dividend stocks. This company is often the first that comes to mind when you think about dividend payers with lasting power. Coca-Cola’s presence is worldwide, and the moat is too strong to ever crack.KO stock has been on a consistent trajectory for the past two decades. In all likelihood, the next two decades will bring more of the same, which is exactly what you want if you plan to buy, reinvest, and snowball your dividend investments.It also acts as a ballast for your portfolio due to how defensive the business is. Having a Coke after every meal is a habit not many people can give up on.You get a 2.86% dividend yield with a payout ratio of just 16.33%, meaning there’s massive room for significant payout hikes. There are 62 consecutive years of dividend growth on record.Merck (MRK)Merck (NYSE:MRK)makes and sells prescription medicines and vaccines. The company’s financial footing is strong, and you get a great buying opportunity today, as MRK stock trades at a 33%-plus discount from early 2024.Investors are increasingly concerned about the impending patent expiration of KeytrudaGardasil sales have also declined in China, and the guidance given in Q4 2024 for this year was disappointing.Merck is preparing prematurely by accelerating drug development, with a pipeline of 20 “potential new blockbuster drugs… could generate over $50 billion in future revenue”. Plus, its ADC platform is turning out to be a significant growth driver.This is a quality name, and analysts expect 16.25% EPS growth in 2025. That’s along with sales growing 1% this year and accelerating growth to 4.88% next year.You get a 3.7% forward dividend yield with a payout ratio of just 41.36%. There have been 14 consecutive years of dividend growth.If You’ve Been Thinking About Retirement, Pay Attention (sponsor)Answer a Few Simple Questions. 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There’s a ‘once-in-a-generation opportunity’ in these stocks right now, no matter how the AI boom ends, market veteran says

There’s a ‘once-in-a-generation opportunity’ in these stocks right now, no matter how the AI boom ends, market veteran says

Wall Street has overlooked a class of stocks that typically outperforms the market but is currently offering the best bargain in nearly 30 years, according to Ruchir Sharma, chair of Rockefeller International.Recommended VideoIn aFinancial Timescolumn on Sunday, the market veteran said investors have thrown up their hands amid the ongoing debate about whether the AI boom is a bubble about to burst, while other assets look too pricey as well.“But there is a once-in-a-generation opportunity in global markets that could deliver strong returns regardless of how AI mania plays out,” he wrote. “The opportunity is in quality stocks, particularly those trading at relatively inexpensive prices.”Those stocks—which have high returns on equity, stable earnings growth, and low debt—have historically traded at high valuations, but not right now, Sharma said.They are currently 10 percentage points behind the broader market in developed economies and trailing by 17 points in emerging economies.“Typically, quality stocks have delivered their best returns after similar (but rare) periods of underperformance, which is why this moment feels so ripe,” he added.While the Magnificent Seven group of stocks has emerged as a symbol of the AI boom, some of them actually fall into the quality category, such as hyperscalers Alphabet and Microsoft, according to Sharma.That’s despite the Magnificent Seven soaring by more than 300% since late 2022, when OpenAI launched today’s AI boom. Leading the charge is AI chip leader Nvidia, which has skyrocketed more than 1,000%. It now has a market cap of more than $4 trillion, making Nvidia the most valuable stock on the market.The “real sweet spot” in quality stocks can be found after filtering out overvalued names, Sharma said, adding that the result is about 400 companies around the world out of the thousands that are publicly listed.They include stocks in the U.S., China, India, the U.K., and Brazil. And after screening for market caps above $10 billion, it yields companies like Lockheed Martin, CVS Health, Tesco, AstraZeneca, FirstRand, and Lenovo.This cream of the crop is trading at a 30% discount to the overall market, the widest gap since the late stages of the dotcom bubble, Sharma estimated.“From such valuation lows, and using standard methods to estimate future returns, this quality class can be expected to deliver absolute annual returns of nearly 15% for the next three years,” he predicted. “That is well ahead of expected returns for other asset classes and, perhaps most importantly, doesn’t require taking a view on if and when the AI mania will end.”Another big year for the S&P 500?Meanwhile, Wall Street remains upbeat on the overall stock market and expects the S&P 500 to keep putting up big gains next year, helped by more easing from the Federal Reserve, tax cuts, and hundreds of billions in additional spending from AI giants.Market guru Ed Yardeni sees the index soaring to 7,700 in 2026, indicating a 10% increase from his year-end 2025 view of 7,000.GDP growth, consumption, and corporate profits have been chugging along, and Yardeni said the decade should avoid an economy-wide recession, while “rolling recessions” may hit different industries at different times.Deutsche Bank is even more bullish and predicted the S&P 500 will finish next year at 8,000, representing a 17% jump from Friday’s close.“We see equities continuing to benefit from the cross-asset inflows boom,” analysts wrote in a note. “With earnings continuing to rise and companies indicating they are sticking with their capital allocation plans we expect robust buybacks to continue.”Elsewhere, JPMorgan expects the S&P 500 to end 2026 at 7,500, but added that it could go to 8,000 if the Fed keeps cutting rates.Analysts cited above-trend earnings growth, the AI capital spending boom, rising shareholder payouts, and fiscal policy easing via tax cuts.“More so, the earnings benefit tied to deregulation and broadening AI-related productivity gains remain underappreciated,” the bank said.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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Fannie, Freddie shares mimic meme-stock mania with wild swings

Fannie, Freddie shares mimic meme-stock mania with wild swings

Bill Ackman lit the fire and Bill Pulte supercharged it.Recommended VideoTheir influence helped drive retail traders to Fannie Mae and Freddie Mac, whose shares have soared more than 500% since Donald Trump’s election a year ago. But now, as equity markets are gripped by volatility and crypto assets suffer their worst rout in years, those same investors are fleeing.Thursday’s wild selloffs, and further losses Friday, were a reminder that the fervor of retail traders — whipped up in part by Federal Housing Finance Agency head Pulte — can quickly turn sour. Ackman, a billionaire hedge fund manager, sent out a social media post this week blaming forced liquidations and margin calls in the cryptocurrency market for the sagging prices on the mortgage giants.“I underestimated how much exposure Fannie and Freddie (‘F2’) have to crypto, not on balance sheet, but in their shareholder bases,” Ackman said on X.Ackman’s theory for the pullback — that leveraged cryptocurrency investors facing margin calls had to sell other assets to raise cash — was echoed by some on Wall Street who saw the stocks drop by more than 10% on Thursday. It happened as Bitcoin was on track for its worst monthly performance since a string of corporate collapses rocked the sector in 2022. Read: Ackman Fannie-Freddie Plan Boosts Shares After White House Pitch“There was clearly a lot more leverage to take out in crypto and the recent high-flyer equities themes,” Charlie McElligott, a cross-asset strategist at Nomura, wrote in a note to clients Friday.Shares of the pair are up six-fold since just before Trump’s election on bets Pulte will help oversee a process to privatize Fannie Mae and Freddie Mac after almost two decades of government control. The Trump administration has said it’s a priority, though has been mum on specifics and timing.Pulte has frequently promoted the idea, with stock traders studying his social media posts for clues about what’s likely coming next.It all has echoes of the first meme-stock phenomenon that emerged during the pandemic, when bored young people stuck at home and flush with stimulus checks started speculating in the stock market, driving wild runs in shares of GameStop Corp. and AMC Entertainment Holdings Inc. among others.Read more: Pulte’s Social Media Posts Become Must-Follow for Stock TradersFannie and Freddie have been on a similarly tumultuous ride over the past year, including a drop of almost 40% since a Sept. 11 peak when Commerce Secretary Howard Lutnick talked up the prospect of taking them public. The volatility is also driven in part by the fact that the stocks have traded over the counter since they were delisted from the New York Stock Exchange in 2010, limiting the potential investor pool and stock liquidity.Chunky swings are commonplace for both Freddie and Fannie. For the stocks to experience a two-standard deviation move — something that occurs only 5% of the time — they need to jump or fall by at least 10%, according to data compiled by Bloomberg. By comparison, such a move would register at just over 2% for McDonald’s Corp. and at roughly 3% for Microsoft Corp.Ackman, the founder of Pershing Square Capital Management, has long promoted buying Fannie Mae and rival Freddie Mac, saying the stocks are cheap and will rally when the US government unwinds its massive stakes. While Ackman has been a proponent of taking the pair of companies public in recent months and weeks, he said Tuesday that it will take “significant time” for the government to “deliberately execute.”Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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