Finance
Investors will be ‘miles ahead’ if they avoid these 3 things: expert
Published
3 days agoon

Barry Ritholtz
Barry Ritholtz
Barry Ritholtz had a hard time writing his first book, “Bailout Nation.”
Drafted in the midst of the 2008 financial crisis, the biggest challenge, he said, was that a different company “would blow up” every week.
It felt as if the writing “was never over,” said Ritholtz, the chairman and chief investment officer of Ritholtz Wealth Management, an investment advisory firm that manages more than $5 billion of assets.
By comparison, the new book was a “joy” to write, largely due to the benefit hindsight, said Ritholtz, who is also a prolific blogger and creator of the long-running finance podcast “Masters in Business.”
The book, “How Not to Invest: The Ideas, Numbers, and Behaviors That Destroy Wealth — And How to Avoid Them,” published March 18, is a history lesson of sorts.
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Ritholtz looks back at anecdotes across pop culture and finance — touching on Hollywood titans like Steven Spielberg, music sensations like The Beatles, and corporate pariahs like Elizabeth Holmes of Theranos — to illustrate the disconnect between how much people think they know and what they actually know. (Ritholtz’ point being, The Beatles and films like “Raiders of the Lost Ark” were initially panned; Holmes, initially lauded, is now serving jail time.)
“It’s a huge advantage to say, ‘I know how the game ended,'” Ritholtz said. “What the analysts were saying in the second, third, fourth inning, they didn’t know what they’re talking about.”
CNBC spoke to Ritholtz about why people are often bad investors, why famous investors like Warren Buffett are “mutants,” and why financial advice about buying $5 lattes is the cliché that just won’t die.
This interview has been edited and condensed for clarity.
How to be ‘miles ahead of your peer investors’
Greg Iacurci: Your No. 1 tip to being a better investor is to avoid mistakes — or, as you write, “make fewer unforced errors.” What are some of the most damaging unforced errors you often see?
Barry Ritholtz: Let’s take one from three broad categories: Bad ideas, bad numbers and bad behaviors.
Bad ideas are simply, wherever you look, people want to tell you what to do with your money. It’s a fire hose of stuff. Everybody is selling you some bulls*** or another. And we really need to be a little more skeptical.
On the numbers side, the biggest [mistake] is simply: We fail to understand how powerful compounding is. A lot of the dumb things we do get in the way of that compounding. Cash is not a store of value. It’s a medium of exchange, and you shouldn’t hold on to cash for very long. It should always be in motion, meaning you should be paying for your rent or mortgage with it, paying your bills and your taxes, whatever recreational stuff you want to do, whatever philanthropy you want to do and whatever investing you want to do. But money shouldn’t just sit around.

Compounding is exponential. When I ask people, “If I’d invested $1,000 in 1917 in the stock market, what’s it worth today?” You look at what the market’s returned — 8% to 10%, with dividends reinvested — $1,000 a century later is worth $32 million. And people simply can’t believe it. Ten percent [reinvested dividends] means the money doubles every 7.2 years.
The biggest [behavioral error] is simply, we make emotional decisions. That immediate emotional response never has a good outcome in the financial markets. It is exactly why people chase stocks and funds up and buy high, and why they get scared and panic out and sell low.
If you just avoid those three things, you’re miles ahead of your peer investors.
Not all plays are ‘Hamilton’
GI: Going back to something you mentioned about how relentless bad financial advice is, what are some memorably bad pieces of financial advice or investment opportunities you’ve come across?
BR: I get a lot of weird things — plays, restaurants. You should know, most plays are not “Hamilton” and most restaurants are not Nobu. These are really, really difficult investments. Those are all the winners. You’re not seeing the other million products in the same space that didn’t make it.
I think we have this really distorted viewpoint of the world that allows us to believe that finding a giant winner is much easier than it really is. And that is because you don’t see the endless fails, the restaurants that implode, the plays that close after opening night. All these little investment opportunities that come along, and the people selling [them], the advice they’re giving, they’re always weird and quirky. A great restaurant is a really good business, but most restaurants are terrible businesses, and that’s a hard thing for people to recognize.
The financial ‘cliché that refuses to die’
GI: There’s this great part in the book where you talk about the $5 coffee: The thought being, if you invest that money instead of buying coffee, you’ll basically be a millionaire. You write that it’s the “cliché that refuses to die.” Why do you think it’s detrimental for people to think this way?
BR: $5, really? I don’t want to come across as a completely detached one percenter, but if a $5 latte is the difference between you having a comfortable retirement or not, you’ve done something very, very wrong.
Let’s say you do put $5 away. If you saved $5 every day and invested it, it adds up to something. But when you look out 20, 30, 40, years, the other side of the spending equation is, what’s my income going to be? How much am I going to earn? If you’re going to show me $5 compounding over 30 years, you also have to show me where my income is going to be. If I’m looking at this as a 30-year-old, what’s my income going to be at 60? How will my portfolio, my 401(k) — and if I have kids, my 529 [college savings] plan — how will that have compounded over the same time? If you’re only looking at the $5 latte but ignoring everything else — and that’s before we even get to inflation — it looks like a chunk of money but it really isn’t.
The big philosophical problem that I’ve found is most of the spending scolds don’t understand what the purpose of money is.
GI: What is the purpose of money?
BR: Money is a tool. First, lack of money certainly creates stress. You can worry about paying the bills, and if you have a kid, how am I going to pay for their health care? Not having sufficient money to pay the rent, buy food, pay for health care, is certainly stressful. The first thing money does is it chases away the lack-of-money blues.
Everybody is selling you some bulls*** or another. And we really need to be a little more skeptical.
Money [also] creates optionality. It gives you choices. It gives you freedom. It allows you to not do many of the things you don’t want to do. And it allows you to buy time with friends and family experiences and to create memories.
It’s the ability to spend your time how you want, with who you want, doing whatever work you want, or no work at all, if you eventually get to that point.
GI: What should people do to make investing as simple as possible and have good outcomes?
BR: [Vanguard Group founder] Jack Bogle figured this out 50 years ago. If you want to find the needle in the haystack — if you want to find the Apples, Amazons, Microsofts, Nvidias, J.P. Morgans, United Healthcares and Berkshires [of the world] — don’t look for the needle in the haystack. Just buy the whole haystack. (Editor’s note: The “haystack” here refers to buying an index fund that tracks the broad stock market rather than trying to pick winners.)
You make the core part of your portfolio a broad index, and then you put whatever you want around it.
So, start out with a basic index, be very tax-aware of what you do, and then back to the behavioral stuff: Don’t interfere with the market’s ability to compound.
The crazy thing about Warren Buffett: His wealth has doubled over the past seven years. Think about how insane that is. He’s 94, like half of his wealth came about from zero to [his late eighties], and the other half came about in the last seven years. That’s the miracle of compounding.
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Finance
Klarna CEO Sebastian Siemiatkowski faces biggest test yet: IPO
Published
3 hours agoon
March 31, 2025
Sebastian Siemiatkowski, CEO of Klarna, speaking at a fintech event in London on Monday, April 4, 2022.
Chris Ratcliffe | Bloomberg via Getty Images
LONDON — After 20 years in the role as Klarna’s CEO, Sebastian Siemiatkowski is about to face his toughest test yet as the financial technology firm prepares for its blockbuster debut in New York.
Siemiatkowski, 43, co-founded Klarna in 2005 with fellow Swedish entrepreneurs Niklas Adalberth and Victor Jacobsson with the aim of taking on traditional banks and credit card firms with a more user-friendly online payments experience.
Today, Klarna is synonymous with “buy now, pay later” — a method of payment that allows people to buy things and either defer payment until the end of the month or pay off their purchases over a series of equal, interest-free monthly installments.
But while Siemiatkowski has grown Klarna into a fintech powerhouse, his entrepreneurial journey hasn’t been without its challenges — from facing rising competition from rivals such as PayPal, Affirm and Block‘s Afterpay, to an 85% valuation plunge.
Nevertheless, Siemiatkowski hasn’t taken those challenges lying down and the outspoken co-founder isn’t shy to challenge criticisms in the run up to an IPO that could value it at $15 billion.
‘Crazy enough’
In October 2024, CNBC met with Siamiatkowski during a visit the Swedish entrepreneur made to London. For a businessman who’s faced a rollercoaster ride of ups and downs over his two-year CEO tenure, Klarna’s chief has a calm air to him.

“Independently of all the cycles and everything we’ve gone through with the company, at any point in time I ask myself, do I still think that Klarna can become the next Google in size, that we can become a hundreds of billions dollar market company, or a trillion dollars,” Siemiatkowski told CNBC. “I still am crazy enough to think that’s achievable.”
Once a pandemic-era darling valued at $46 billion in a SoftBank-led funding round, Klarna saw its valuation plummet 85% in 2022 to $6.7 billion as rising inflation and interest rates dented investor sentiment on high-growth technology firms.
But the firm has attempted to rebuild that eroded value in the years that have followed.
Klarna makes money predominantly from fees it charges merchants for providing its payment services, in addition to income from interest-bearing financing plans and advertising revenue.
Financials disclosed in its IPO filing show that Klarna reported revenue of $2.8 billion last year, up 24% year-over-year, and a net profit of $21 million — up from a net loss of $244 million in 2023.
Bullish on AI
After the launch of OpenAI’s generative AI ChatGPT in November 2022, Siemiatkowski quickly pivoted Klarna’s focus to embracing the technology, and especially in a way that could slash costs and enhance the firm’s profitability.
However, Siemiatkowski’s strategy and his comments on AI have also attracted controversy.
Klarna imposed a freeze on hiring in 2023 as it looked to tighten costs. The following year, the company said that its AI chatbot was doing the work of 700 full-time customer service jobs.
Klarna’s CEO then said in August that his company was able to reduce its overall workforce to 3,800 from 5,000 thanks in part to its application of AI in areas such as marketing and customer service.
“By simply not hiring … the company is kind of becoming smaller and smaller,” he told Reuters news agency, adding that jobs were disappearing due to attrition rather than layoffs.
Asked by CNBC about his views on AI and the upset they have caused, Siemiatkowski suggested he was “done apologizing,” echoing comments from Mark Zuckerberg about the Meta CEO’s “20-year mistake” of taking responsibility for issues for which he believed his company wasn’t to blame.
Doubling down, Siemiatkowski added that AI “already today can do a lot of the jobs that people do — but I don’t want to be one of the tech leaders that stands on a stage and says, ‘Don’t worry about it, there’s going to be new jobs,’ because I don’t know what those new jobs are.”
“I just want to be transparent and honest with what I think is happening, and I’d rather be open about that, because I know what these people, the tech leaders are saying when they’re not on public stages, and they’re not saying the exact same things,” he told CNBC in October.
An outspoken CEO
Siemiatkowski is no stranger to defending his company in response to criticisms, especially when challenged over Klarna’s business model of offering short-term financing for all kinds of things from clothing to online takeout.
Last week, Klarna announced a tie-up with DoorDash to offer its flexible payment options on the U.S. food delivery app. However, the move was met with backlash from internet users, who said it risks saddling struggling consumers with more debt.
One X user posted a meme showing personal finance pundit Dave Ramsey with the caption, “what do you mean you have $11k in ‘doordash debt’.”
Siemiatkowski took to X to defend the move, saying that Klarna “offers many payment methods” including the ability to pay in full instantly or defer payment until the end of the month in addition to monthly installments.
“DoorDash offers many products beyond food!” Klarna’s boss said on X in response to the criticisms. “I know we are most famous for pay in 4. But you can use a credit card at DoorDash as well.”

In 2022, the outspoken entrepreneur stressed his company was “superior” to credit cards and “extremely recession-proof” after the firm laid off 10% of its workforce.
As Klarna approaches its stock market debut, investors will likely be scrutinizing his track record and whether he’s still the right person to lead the company longer term.
Lena Hackelöer, CEO of Stockholm-based fintech startup Brite Payments, is someone who’s worked under Siemiatkowski’s leadership, having worked for the company for seven years between 2010 and 2017 in various marketing functions.
She expressed admiration for the Klarna co-founder — and pushed back on suggestions that leadership mismanaged the business during the pandemic era.
“I never thought that they had mismanaged, which is somehow how it was reported,” Hackelöer told CNBC in a November interview. “I think that they were just very much focusing on growth — because that was the direction that investors were giving.”
Rollercoaster ride
Siemiatkowski admits the journey of building Klarna hasn’t always been rosy.
Asked about the biggest challenge he’s ever faced as CEO, Siemiatkowski said that, for him, laying off 10% of Klarna’s workforce in 2022 was the toughest thing he’s ever had to do.
“That was very difficult because I didn’t predict that investor sentiment would shift that fast and people would go from valuing companies like ours so high and then to something so low,” he said.
“That’s obviously very difficult because, then you realize like, ‘OK, s—, I’m going to have to make a change. It’s not going to be sustainable to continue, and I need to protect the consumers, who are stakeholders in the company, the employees, the investors — I need to [do] what’s right for all of my constituents,” Siemiatkowski continued.
Klarna is synonymous with the “buy now, pay later” trend of making a purchase and deferring payment until the end of the month or paying over interest-free monthly installments.
Nikolas Kokovlis | Nurphoto | Getty Images
“But unfortunately, it’s going to affect the smaller group, which happened to be about 10% of our employees.”
Like other tech firms, Klarna grew significantly over the Covid-19 pandemic. In 2020, the firm grew its gross merchandise volume or the total value of all sales processed through its platform, by 46% year-over-year, to $53 billion.
I think anyone who is a little bit sane, that’s not something you take light hearted, right? It’s a tough decision. It makes you cry. I’ve cried.
Sebastian Siemiatkowski
CEO, Klarna
The company also onboarded hundreds of new employees to capitalize and expand on the opportunity it saw from government lockdowns’ impact on consumer behavior and the broader acceleration of e-commerce adoption at that time.
“I think anyone who is a little bit sane, that’s not something you take lighthearted, right?” Klarna’s CEO said, referring to the layoffs. “It’s a tough decision. It makes you cry. I’ve cried.”
However, Siemiatkowski stood by his decision to lay off workers: “I felt like I had an obligation to my constituents, everyone, all of these stakeholders, the company, and I think it was a necessary decision at that point in time.”
The road to IPO
Now, Klarna’s CEO faces his biggest test yet — taking the business he co-founded two decades ago public.
“IPOs are risky for companies as share prices can fluctuate quickly,” Nalin Patel, director of EMEA private capital research at PitchBook, told CNBC via email. “They can be costly and lengthy to arrange with investment banks too.”

Klarna earlier this month filed its prospectus to list on the New York Stock Exchange. The company hasn’t yet set a date for when it will go public, nor has it priced shares.
If it succeeds, the outcome could catapult the net worth of Siemiatkowski and other shareholders including Sequoia Capital, Silver Lake, Mubadala Investment Company, and the Canada Pension Plan Investment Board.
Sequoia is Klarna’s single-largest shareholder with a 22% stake. Siemiatkowski is the second-largest, owning 7% of the business.
A positive IPO outcome would also lift the value of Klarna employees’ stakes, and potentially boost morale after a turbulent few years for the company.
“It’s a balance between finding a fair value for existing investors looking to cash out and new investors seeking a stake in Klarna at a fair price. Overvaluing the company could lead to its valuation falling in the future. While undervaluing it may mean money has been left on the table for those exiting,” Patel said.
Finance
Planning for retirement? What to know about traditional, Roth IRAs
Published
18 hours agoon
March 30, 2025
Ramsey Solutions financial expert George Kamel weighs in on Americans working past retirement age and provides advice for investors.
Socking away money for retirement is something that’s top of mind for many people.
Many Americans save money for their “Golden Years” through workplace retirement plans and individual accounts they set up, with traditional and Roth IRAs being frequently-used vehicles in the latter category.

Experts recommend you utilize a Roth or Traditional IRA in order to save and grow your retirement package. (iStock / iStock)
Roth IRAs
Holders of Roth IRAs are able to make after-tax contributions to their accounts.
“Why a lot of people like a Roth IRA today is that you pay income taxes today before you put the money into the Roth IRA,” Ted Jenkin, a personal finance expert and partner at Exit Wealth, told FOX Business. “The money grows tax-deferred while it’s inside of the Roth IRA, but the great news about a Roth IRA is you never, ever pay any tax when you take it out, so it’s basically taxed once today and then you’re never ever taxed again.”
For 2025, the contribution limit for Roth IRAs is $7,000 for ages below 50 and $8,000 for those older than that, according to the IRS.
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When a person takes out contributions from a Roth IRA, they will not have taxes or a penalty. A holder could face both if they do that for Roth IRA earnings before five years have elapsed since they’ve opened the account or they’re below the age of 59 ½, according to Fidelity.

Businessman in suit is holding piggy bank. Finance Savings concept (iStock / iStock)
Traditional IRAs
Funds put into traditional IRAs are typically “not taxed until you take a distribution,” according to the IRS.
“Just like a Roth IRA, the dollars grow tax-deferred. However, on all that growth in the traditional IRA, ultimately you’re going to be taxed when you take it out down the road,” Jenkin said.
He noted that “can be challenging because you don’t always know what your tax brackets are going to be down the road.”
People under 50 years old can make up to $7,000 in contributions to traditional IRAs in 2025. For those above 50, it is slightly higher, at $8,000.
In contrast to Roth IRAs, contributions to traditional IRAs can be tax-deductible but, according to Jenkin, that “depends on a number of factors.”
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He said the “big question” for deductibility was “Are you covered by a workplace retirement plan?”
“If you don’t, or your spouse does not, then you can fully deduct the traditional IRA,” he told FOX Business. “But if you have one at work, then there’s a phase out income-wise on how much income you have as to whether or not it’s deductible.”
When it comes to withdrawals for traditional IRAs, you can do so at any time but that distribution “will be includible in your taxable income and it may be subject to a 10% additional tax if you’re under age 59 ½,” according to the IRS.
For traditional IRAs, holders face a required minimum distribution they must pull out each year once they turn 73.
Things to think about
The differences between traditional and Roth IRAs give people planning for retirement plenty to think about as they mull which account they want to use.
Jenkin said one factor was “Do I want to be taxed now, or do I want to be taxed later?”
“When you’re younger, you’re generally in a lower tax bracket, which is why, for younger people, it’s a really great idea in my view to be putting money into a Roth IRA, because once it goes in there, you’re never taxed again.”
He also noted the Secure 2.0 Act that became law in late 2022.
“When you have a traditional IRA and you die and it goes to your kids or any other non-spouse inheritor, you have to take the money out of a traditional IRA within 10 years,” he said. “In a Roth IRA, when you die and your kids inherit the Roth IRA, they can take it out as long as they want. They’re not subject to that 10 years.”
When weighing opening a traditional or Roth IRA, Jenkin also said people should consider whether they can “leave the money in there for an extended period of time.” He said they should factor in their current tax brackets and their “overall future estate plan” for their family as well.

Documents about Individual retirement account IRA on a desk. (iStock / iStock)
He told FOX Business his “lean on this would be that more and more people should be looking at opening up a Roth IRA versus a traditional IRA.”
How many people have IRAs?
The Investment Company Institute said in a study released Thursday that nearly 44% of American households had IRAs in mid-2024, whether that be traditional, Roth, employer-sponsored or a combination.
Traditional IRAs were owned by 32.6% of households, it found. Over 26% of households had Roth IRAs.
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A separate report released by Fidelity Investments in February reported IRA accounts held average balances of $127,543 in the fourth quarter of 2024. That was an increase of 8% from the same three-month period in the prior year, according to the report.
Finance
Wall Street wants to privatize more of your money in market correction
Published
19 hours agoon
March 30, 2025

From America’s largest bank to its biggest asset manager, Wall Street investment strategies once reserved for private banking clients are increasingly being offered to Main Street investors.
In the midst of a market correction and ongoing uncertainty about the outlook for U.S. stocks and the global economy, JPMorgan Chase and BlackRock are among major players in the ETF space making bets that private strategies will continue to see greater adoption. That includes private credit as a mainstream bond portfolio holding, as well as equity income strategies that involved more complicated trading than traditional dividend equity funds.
“Across our business we are looking at an incredible amount of demand from ETF investors who are looking for access to alternative investment funds, and we find managers are looking to push more into that wealth space to tap into growth to meet investors where they are,” Ben Slavin, managing director and global head of BNY Mellon ETF business, told CNBC’s Bob Pisani on last week’s “ETF Edge” from the Exchange ETF Conference in Las Vegas.
“While mutual funds still make a ton of sense for retirement accounts, interval funds have been really successful in allowing for access to private credit,” Jay Jacobs, head of BlackRock’s US Thematic and Active ETF business, told Pisani from the conference. He was referring to a form of closed-end fund that has existed for a long time, and in which investors can access private credit, albeit with less liquidity than in an ETF.
BlackRock, the world’s largest asset manager and biggest issuer of ETFs, acquired a provider of alternative investments research last year, Preqin, and Jacobs said the firm plans “more indexing of private investments.”
The SEC recently approved the first private credit ETF, though not without some controversy.
Lack of liquidity in private markets is a key issue for ETFs to solve as they attempt to grow the alternative investment side of the business. These kinds of funds, like Van Eck’s BDC Income ETF — which invests in business development companies that make private loans to small and mid-sized companies — have traditionally been illiquid but because of innovation in the ETF industry, more people are gaining access.
Another trend that is catching on within the ETF market amid the current volatility in stocks is active ETFs designed to offer downside protection while capitalizing on income gained from selling call options. ETFs including the JPMorgan Equity Premium Income ETF (JEPI) and JPMorgan Nasdaq Equity Premium Income ETF (JEPQ) use this approach.
Goldman Sachs Asset Management’s Bryon Lake said on a recent “ETF Edge” — he was among the leaders of the JPMorgan ETF business when JEPI was created and now runs a similar strategy at Goldman — “You sell that call, you get the premium for that, and then you can pay that out as income. As we look at this space, that’s one category that’s been evergreen for investors. A lot of investors are looking for income on a consistent basis.”
Funds like JEPI give investors exposure to sell call strategies.
“There’s multiple ways to win with a strategy like this, as you can remain invested in the equity side and get the return, and capture that premium income which adds to a growing need and growing desire for income across all asset classes, and that’s a really effective way to stay in the market,” Travis Spence, head of JPMorgan Asset Management’s global ETFs business, said on last week’s “ETF Edge.”
The expense ratio on the JPMorgan Equity Premium Income ETF is 0.35 percent, with a 7.2 percent dividend. The firm also offers the JPMorgan Nasdaq Equity Premium Income ETF with the same expense ratio, but with a dividend yield right now of 10.6 percent. “Its an effective trade off in a choppy market,” Spence said.
Thirty years ago, an investor would have had to be a high-end client of a Wall Street private bank that would customize a portfolio in order to participate in the options fund strategy, said Ben Johnson, Morningstar’s head of client solutions and asset management. But now, “ETFs make it easier and cheaper to implement these strategies,” he said.
Buffer ETFs run by Goldman and others, which cap both market upside and downside as a way to mitigate volatility in returns, are also gaining in popularity.
“Clearly, when you look at the flows, there is demand for these products,” Slavin said. “Until recently, it was not really well known,” he added.
The premium income and buffer ETFs can offer investors a way to stay in the market rather than run from it. But in a market that has seen steep declines of late, Jacobs says these strategies also offer a way for investors to get into the market with less fear of quickly losing money. That’s an important point, he said, with trillions of dollars sitting in money market accounts. “A lot of investors are using buffered products to step out of cash and into the market,” he said. “No one wants to be the one who held cash for five years and just put their money into the market and watched it sell off 10%.”
After watching the S&P 500 already lose more than 10% of its value in a three-week period this month, ETF strategies designed to offer protection are getting more attention from advisors and their clients. But Johnson says investors should remember that there is nothing “new” about these investment strategies that have been used on Wall Street for decades, and investors need to weigh both the pros and cons of wrapping them in an ETF structure.
Private credit ETFs are a good example, he said, since interval funds that trade under ticker symbols are already available, albeit in a less liquid trading format. ETFs have structural advantages to offer — an inexpensive way to gain access to what have long been “really expensive, super illiquid investments,” he said. But on the other side, to be approved by the SEC, the ETFs need to “water down a lot of what investors want,” he added.
Nevertheless, Johnson thinks it may just be a matter of time before private credit ETFs are standard. “I think back to bank loans, circa 2011,” he said, when many “balked at ever wrapping it in an ETF. But now that seems fairly common place.”

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