When you are preparing to borrow, it pays to determine loan payments before you call a bank, credit union or online lender.   *Please note that we do not offer loans. This calculator is for education purposes and to illustrate how loans work.* When you are preparing to borrow, … Read more about Determine Loan Payments with Our Custom Calculator

With headlines buzzing about a $1.3 billion Powerball lottery jackpot (at the time of this writing), it is tempting to dream about striking it rich with a single ticket. With headlines buzzing about a $1.3 billion Powerball lottery jackpot (at the time of this writing), it is tempting to … Read more about The $1.4 Billion Powerball Lottery Odds vs. $2 in the Stock Market

Over the past decade, Growth stocks (those with expensive relative valuations) have been in the spotlight as investors chased fast-rising Information Technology sector names. As we progress through 2025, income stocks have staged a comeback, reminding long-term investors why dividends remain one of … Read more about Income Stocks Matter in 2025 – The Dividend Comeback

Value investing in 2025 isn’t about chasing hype (tempting as it might be), it's about using stock metrics to help unearth good companies that can be purchased at a discount. Value investing in 2025 isn’t about chasing hype (tempting as it might be), it's about using stock metrics to help … Read more about 5 Stock Metrics Every Value Investor Should Track in 2025

For many folks, having a million-dollar portfolio feels out of reach. But at The Prudent Speculator, we know that with discipline, patience and a trusted investment process, this milestone is within reach for everyday investors. For many folks, having a million-dollar portfolio feels out of reach. … Read more about The TPS Guide to Building a Million-Dollar Portfolio

UBS released its 16th edition of the Global Wealth Report 2025, offering a comprehensive overview of global wealth from levels to distribution to mobility. UBS released its 16th edition of the Global Wealth Report 2025, offering a comprehensive overview of global wealth from levels to … Read more about Key Points from the UBS Global Wealth Report for 2025

Yes, You Can Retire a Millionaire — Even If You Start Small Yes, You Can Retire a Millionaire — Even If You Start Small If you’ve ever Googled how to retire a millionaire, you’ve probably seen lofty, perhaps unrealistic, advice: max out 401(k)s, invest thousands of dollars each month and buy … Read more about How to Retire a Millionaire: A Prudent Investor’s Guide

How to start investing on a budget Build Wealth & Start Investing on a Budget To many folks, investing feels like a privilege reserved for those with big salaries, out of reach for the masses. When one's income barely covers the essentials, let alone indulgences, the idea of “setting … Read more about How to Start Investing on a Budget

Market volatility dominates headlines, rattles investors and stokes plenty of fear. Market volatility dominates headlines, rattles investors and stokes plenty of fear. Whether driven by rising rates, geopolitical risks or inflation fears, periods of market volatility raise the same question every … Read more about Investing During Market Volatility: What to Know

Annuity contracts ("annuities") often come up in retirement planning conversations, but one wonders what exactly they are and, importantly, how do they fit into a long-term investment strategy? Should You Buy an Annuity for Retirement? Annuity contracts ("annuities") often come up in retirement … Read more about Should You Buy an Annuity for Retirement?

The Capgemini Investment Trends 2025 Report (Navigating Uncertainty with Confidence: Investment Priorities for 2025) was presented at World Economic Forum’s Annual Meeting in Davos and highlights the global economic struggles with volatility, inflation and geopolitical fragmentation. The … Read more about Key Points from the Capgemini Investment Trends 2025 Report

Investment data can be very expensive, with Bloomberg Terminals and FactSet data costing thousands of dollars per month for a single seat, so it's helpful to have a go-to list of top free sources for investment data handy. Investment data can be very expensive, with professional platforms like … Read more about Top Free Sources for Investment Data

At The Prudent Speculator, we often remind ourselves—and our readers—that “we reserve the right to get smarter.” That mindset fuels our ongoing commitment to research, whether it’s combing through company filings, earnings call transcripts, or the latest economic data. While each member of our … Read more about TPS’s Favorite Reads This Week – Handpicked for Investors – April 7, 2025

Are you looking to take control of your financial future by creating a personal budget template and a personal balance sheet?"     Are you looking to take control of your financial future by creating a personal budget and a personal balance sheet? A personal budget and balance … Read more about Create a Personal Budget and Balance Sheet + Free Template

At The Prudent Speculator, we often remind ourselves—and our readers—that “we reserve the right to get smarter.” That mindset fuels our ongoing commitment to research, whether it’s combing through company filings, earnings call transcripts, or the latest economic data. While each member of our … Read more about TPS’s Favorite Reads This Week – Handpicked for Investors – March 31, 2025

hen penciling out retirement savings plans, the discussion usually comes with a nagging question: "Do I have enough?"   When penciling out retirement savings plans, the discussion usually comes with a nagging question: "Do I have enough?" The unknown can be a cause of stress. … Read more about Have You Saved Enough? A Retirement Savings Calculator

When it comes to planning for your future, knowing when you can retire is one of the most important calculations you'll make and our Retirement Age Calculator is a great place to start   *Please note that we do not offer loans. This calculator is for education purposes and to … Read more about Calculating Your Retirement Age: A Complete Guide

When looking to borrow money, it's important to have a custom loan calculator and understand key points about loans before reaching out to any lender, including a bank, credit union or other institution. *Please note that we do not offer loans. This calculator is for education purposes … Read more about Custom Loan Calculator & Guide to Loan Payments

When shopping for a vehicle, it's critical to understand how auto loan payments are calculated; we offer the auto loan calculator above to help you make informed financial decisions. *Please note that we do not offer loans. This calculator is for education purposes and to illustrate how … Read more about Auto Loan Calculator & Complete Guide to Car Loan Payments

When looking to borrow money, it's important to use a mortgage loan calculator or home loan calculator and understand key points about loans before reaching out to any lender, including a bank, credit union or other institution.   *Please note that we do not offer loans. This … Read more about Custom Mortgage Loan Calculator & Guide to Home Loan Payments

A.I., DeepSeek and Investing Trends A.I. (artificial intelligence) and DeepSeek have dominated the news cycle lately, and we have been asked what the technologies mean for our portfolios, especially in light of the DeepSeek-related plunge for Tech stocks earlier this year. In the 700th … Read more about A.I., DeepSeek and Investing Trends

5 Must-Know Fundamental Analysis Metrics for Smart Stock Picking Introduction In the world of investing, fundamental analysis is often considered a cornerstone in the process of identifying stocks with strong long-term upside potential. Fundamental analysis attempts to uncover important … Read more about 5 Must-Know Fundamental Analysis Metrics for Stock Picking

Top Strategies for Investing During Bull Markets and Bear Markets Investing During Bull Markets and Bear Markets You'll find there are many strategies for investing during Bull Markets and Bear Markets, but we think they should not differ. First, we should note that a Bull Market is a period … Read more about Strategies for Investing During Bull Markets & Bear Markets

Low-Cost Investment Ideas: Smart Ways to Grow Wealth When it comes to growing your wealth, many believe investing requires a significant amount of capital and that it'll be easier to save in the future (rather than today). However, we at The Prudent Speculator know that even modest sums can … Read more about Low-Cost Investment Ideas: Smart Ways to Grow Wealth

2025 Stock Market Outlook We would like to thank all who attended our 2025 Stock Market Outlook webinar with John Buckingham and wanted to offer a follow-up for questions during the Q&A session we were unable to get to in the allotted time. In case you missed the webinar, a complete … Read more about 2025 Stock Market Outlook Webinar Q&A Follow-Up

What Is the Santa Claus Rally? What Is the Santa Claus Rally? The Santa Claus Rally is a stock market phenomenon where stock prices tend to rise during the last five trading days of December and the first two trading days of January. This period has historically delivered positive returns … Read more about What is the Santa Claus Rally?

A Backdoor Roth IRA Conversion allows contributions to a Roth IRA, even for those who exceed adjusted gross income (AGI) limits for making direct Roth contributions. Qualified Roth withdrawals are entirely tax-free and required distributions can be delayed, making it an ideal inheritance … Read more about Why Should You Consider a Backdoor Roth IRA Conversion?

This Bull Market had its second birthday on October 12 and investors might be wondering if it might be too late to invest in a Bull Marke   This Bull Market had its second birthday on October 12 and investors might be wondering if it might be too late to invest in a Bull Market. What is … Read more about Is It Too Late to Invest in a Bull Market?

8 of the Best Investment Strategies for Young Professionals Young professionals are frequently faced with consequential financial choices and one may find themselves wondering what are the best investment strategies for young professionals to grow wealth in 2024? There's no magic formula and one … Read more about 8 of the Best Investment Strategies for Young Professionals

"Investors lost out on about 15% of the return their funds generated" proclaimed Morningstar in its just-released 2024 Mind the Gap study, which highlights the issue of investors inadvertently losing out on potential investor returns by making poorly timed decisions.   "Investors lost out … Read more about Morningstar’s Mind the Gap 2024: Reviewing Investor Returns

UBS released its 15th edition of the Global Wealth Report 2024, offering a comprehensive overview of global wealth from levels to distribution to mobility. UBS released its 15th edition of the Global Wealth Report 2024, offering a comprehensive overview of global wealth from levels to … Read more about Key Points from the UBS Global Wealth Report for 2024

The power of compounding returns (and compound interest) can help your portfolio grow faster than it would grow with contributions alone. One can expect the impact from compounding to be larger with longer time horizons. For example, if you invest $1000 at a 7% annual return, you’d earn $70 in … Read more about The Power of Compounding Returns and Compound Interest

Are you wondering about how to invest in uncertain times? It can be nerve-wracking and stressful, but abrupt changes to your asset allocations during times of market stress can quickly derail you from your long-term path to financial success. We were served a reminder recently when Japan’s stock … Read more about How Do I Invest in Uncertain Times?

  Factor investing is an investment strategy that involves targeting specific drivers of returns across asset classes. We offer several reasons why you might consider using factor investing as an individual investor. Factor Investing Investors often employ strategies that … Read more about Factor Investing as an Investment Strategy

We would like to thank all who attended our Ask-Me-Anything (AMA) webinar with John Buckingham and wanted to offer a follow-up for questions during the Q&A session we were unable to get to in the allotted time. In case you missed the webinar, a complete replay is available for Members and … Read more about AMA with John Buckingham: Webinar Q&A Follow-Up

We would like to thank all who attended our webinar on High-Income Stocks & Retirement Planning and wanted to offer a follow-up for questions during the Q&A session we were unable to get to in the allotted time. In case you missed the webinar, a complete replay is available for Members … Read more about High-Income Stocks & Retirement Planning : Webinar Q&A Follow-Up

We want to thank all who attended our webinar on our 2024 Stock Market Outlook and wanted to offer a follow-up for questions during the Q&A session we were unable to get to in the allotted time. In case you missed the webinar, a complete replay is available in the Special Reports section of … Read more about 2024 Stock Market Outlook: Webinar Q&A Follow-Up

Webinar: Where to Invest - 2024 Stock Market Outlook. In our latest Special Report, 2024 Stock Market Outlook, we detail seven themes with more than 40 specific stock mentions, which we think those who share our long-term view should be considering as we head into the new year … Read more about You’re Invited! Webinar: 2024 Stock Market Outlook

In the dynamic world of finance, investors often find themselves at the crossroads of choosing between Value stocks and Growth stocks. In the dynamic world of finance, investors often find themselves at the crossroads of choosing between Value stocks and Growth stocks. These two investment … Read more about Value Stocks & Growth Stocks: Decoding Investment Strategies

We are excited to announce that Kovitz (of which The Prudent Speculator is a part) has been named a Barron’s Top 100 RIA for 2023. We note that Barron's Registered Investment Advisor (RIA) Rankings include some 15,000 RIAs in the United States! As the founder of our firm Mitch Kovitz said: “We … Read more about Barron’s Top 100: Our Kovitz Wealth Management Services

When it comes to navigating the complex world of stock investing, having a trustworthy source of financial advice is like having a compass in a dense forest. One such guiding light in the world of investment newsletters is Mark Hulbert, a renowned   journalist, author and editor who has been … Read more about Mark Hulbert’s Top Performing Stock Investing Newsletters

Elevated inflation and rising interest rates commanded most of investors’ attention over the past year, with proclamations from Jerome H. Powell and his colleagues at the Federal Reserve often the catalyst for volatile gyrations in asset prices. Those moves were generally in the negative direction … Read more about 7 Stock Market Charts to Kick Off 2023: Equities, S&P 500 Price Return, Growth Valuations and more

Following another ugly market week, the average U.S. stock is now trading in Bear Market territory. Of course, such was also the case in 2020 and 2018 and 2016 and more than a few other periods throughout market history. Such is the hardship that must be endured to achieve significant long-term … Read more about 2 Ports In The Storm: GILD And BMY Offer A Haven In A Turbulent Market

Bank stocks have been surprisingly weak this year with the KBW Bank Index off as much as the S&P 500. I don’t think the punishment fits the crime and I believe the big selloff creates an intriguing buying opportunity. It was nice to see a prominent bank stock analyst echo what I have been … Read more about 3 Undervalued Bank Stocks To Buy Now

I understand that stocks historically have been far more volatile than bonds, so it makes sense that the financial press will focus on the losses with headlines like Dow Falls Sharply As Rate Worries Linger during the downturns. However, we are puzzled by upbeat language such as Yields Climb on … Read more about 3 Undervalued High Yielding Stocks – In Dividends We Trust