Artificial intelligence (AI) is revolutionizing industries and changing the way we live, but for retail investors, it can also mean big profits. While many companies are already harnessing the power of AI, there is a hidden opportunity that is often overlooked.

One area where AI is making a huge impact is in the healthcare industry. From improving patient care to streamlining operations, AI is transforming the way healthcare is delivered. And with the global healthcare market expected to reach $10 trillion by 2022, there is a lot of potential for investors.

But where is the hidden opportunity for retail investors? Look no further than the companies providing the tools and technology that enable AI in healthcare. These companies, known as enablers, are often smaller and less well-known than the big healthcare players, but they are essential to the growth of AI in the industry.

By investing in enablers, retail investors have the opportunity to capitalize on the growth of AI in healthcare without having to pick and choose between individual healthcare companies. Plus, as AI continues to expand into other industries, enablers will also see growth in those areas, providing even more potential for profits.

So, how can retail investors find these hidden gems? One way is to research companies that are working with well-known AI players, such as Google, Amazon, and Microsoft. Another option is to look for companies with a strong track record of innovation and a solid understanding of the potential of AI in their industry.

Don’t miss out on the next great AI trade hiding in plain sight. With the potential for big profits and a growing market, investing in enablers of AI in healthcare and other industries could be a smart move for retail investors. As AI continues to shape our world, there is no doubt that these companies will play a crucial role in its success.

As we approach the year 2026, it’s time to start thinking about how you can maximize your 401(k) contributions and set yourself up for financial success. The 401(k) is a popular retirement savings vehicle that allows individuals to save and invest money for their golden years. And with the contribution limits set to increase in 2026, there’s even more incentive to take advantage of this valuable tool.

Currently, the maximum amount you can contribute to your 401(k) is $19,500 per year. But in 2026, this limit is set to increase to $20,500. This may not seem like a huge increase, but over time, those extra $1,000 contributions can really add up. Plus, if you’re over the age of 50, you can contribute an additional $6,500 as a catch-up contribution, bringing your total potential contribution to $27,000 in 2026.

So why is it important to max out your 401(k) contributions? For starters, it’s a tax-advantaged way to save for retirement. Any money you contribute to your 401(k) is not subject to income tax, meaning you can save more money for the future without sacrificing a large portion to taxes. Additionally, many employers offer matching contributions, which can essentially be seen as free money. By contributing the maximum amount, you’re taking full advantage of this benefit and setting yourself up for a more comfortable retirement.

But what if you can’t afford to contribute the maximum amount? Don’t worry, any amount you can contribute is better than nothing. And if you receive a raise or bonus, consider putting a portion of it towards your 401(k) contributions. It’s also worth mentioning that the 2026 contribution limits are subject to change, so it’s important to stay informed and adjust your contributions accordingly.

In the world of investing, every little bit counts. By understanding and taking advantage of the 2026 401(k) contribution limits, you can make a significant impact on your financial future. So start planning now and make the most of your 401(k) potential. Your future self will thank you.

After weeks of steady growth, Bitcoin finally broke through the $90,000 mark. But as investors celebrate this milestone, many are wondering if this is the end of the current cycle or a sign to buy more.

The recent surge in Bitcoin’s value has been attributed to a variety of factors, including increased institutional interest and growing acceptance of cryptocurrency in mainstream financial markets. However, some analysts are cautioning that this may be a temporary bubble and a correction could be on the horizon.

So what does this mean for retail investors? It’s important to remember that while Bitcoin’s growth has been impressive, it’s still a highly volatile asset. Instead of trying to time the market, it’s wise to focus on the long-term potential of cryptocurrency and invest accordingly. Diversifying your portfolio with a mix of traditional and digital assets can help mitigate risk and maximize potential gains.

At the end of the day, it’s up to individual investors to decide whether to take advantage of Bitcoin’s current surge or wait for a potential dip. However, as with any investment, it’s crucial to do your own research and not be swayed by hype or FOMO (fear of missing out). And remember, while Bitcoin may be the most well-known cryptocurrency, there are other options worth considering as well.

In short, Bitcoin’s climb to $90,000 may be a sign of its growing legitimacy, but it’s important to approach it with caution and a long-term mindset. Whether this is the end of the cycle or just the beginning, one thing is for sure: cryptocurrency is here to stay and retail investors have the opportunity to be a part of its evolution. So instead of trying to predict the future, focus on making informed decisions and staying true to your investment strategy.

Great news for investors and traders looking to plan for their future – the IRS has announced the retirement account limits for 2021. This is important information to consider when making financial decisions, as it can impact your tax situation and overall retirement savings strategy.

For those looking to contribute to a traditional or Roth IRA, the limit will remain at $6,000 for individuals under 50 and $7,000 for those 50 and older. This is the same as the limit for 2020, so there will be no change in the amount you can contribute towards these accounts. However, for those with a 401(k), 403(b), or most 457 plans, the limit has increased from $19,500 to $19,500 for 2021. This means you can contribute an additional $500 towards your retirement savings, which can add up over time.

But that’s not all – for investors who are 50 and older, there is a catch-up contribution limit of $6,500 for these plans. This means you can contribute a total of $26,000 towards your retirement in 2021, giving you even more opportunity to boost your savings. And for those with a SIMPLE IRA, the limit has also increased from $13,500 to $13,500 for 2021, with a catch-up contribution limit of $3,000 for individuals 50 and older.

So what does this mean for you? It’s important to take these limits into consideration when planning your retirement savings. If you have the means, consider maximizing your contributions towards these accounts to take advantage of tax benefits and ensure a secure financial future. And for those who may not be able to contribute the maximum amount, every little bit helps, so don’t underestimate the impact of even a small increase in your contributions. Stay informed and make the most of these retirement account limits to set yourself up for success in the long run.

Are you a homeowner or an investor looking to make the most out of your mortgage? Then you might want to consider the lesser-known option of a 50-year mortgage. While it may seem unconventional, this type of mortgage has the potential to benefit both homeowners and investors alike.

For homeowners, a 50-year mortgage offers the opportunity to lower their monthly payments and potentially afford a larger or more expensive home. With a longer loan term, the monthly payments are spread out over a longer period of time, making them more manageable. This can be especially helpful for first-time homebuyers or those with lower incomes. Plus, with interest rates at historic lows, now may be the perfect time to lock in a 50-year mortgage at a lower rate.

But it’s not just homeowners who can benefit from a 50-year mortgage. Investors can also take advantage of this type of loan to maximize their returns. By financing a rental property with a 50-year mortgage, investors can generate a higher cash flow as the monthly payments are lower. This can lead to a better return on investment compared to a traditional 30-year mortgage. Plus, with the option to refinance or pay off the loan early, investors have the flexibility to adjust their strategy as needed.

Of course, as with any financial decision, there are risks to consider. A 50-year mortgage may result in paying more in interest over the life of the loan, and the longer loan term means it will take longer to build equity in the property. Additionally, not all lenders offer 50-year mortgages, so it may require some research and shopping around to find a suitable option.

In conclusion, a 50-year mortgage may not be the right choice for everyone, but it’s worth considering for both homeowners and investors. With the potential for lower monthly payments and higher returns, it’s a financial tool that can help achieve long-term goals. So if you’re in the market for a new home or looking to expand your investment portfolio, don’t overlook the potential of a 50-year mortgage.

Artificial intelligence (AI) has been making waves in the tech world for years, but its potential for financial growth is just starting to be realized. While the tech giants like Google and Amazon have been leading the charge, there are plenty of other companies poised to benefit from this new AI boom.

The key to finding profitable opportunities in the AI market is to look beyond the obvious players. While the big names may seem like a safe bet, they often come with a high price tag and limited room for growth. Instead, consider investing in smaller, lesser-known companies that are making strides in the AI industry.

One promising area to watch is the healthcare sector. With the increasing use of AI in medical diagnostics and drug discovery, companies like Medtronic and Teladoc Health are well-positioned for growth. Another area to keep an eye on is the automotive industry, as AI technology is being integrated into self-driving cars. Look to invest in companies like NVIDIA and Tesla for potential gains in this space.

Of course, it’s important to remember that investing in AI comes with risks. With any new technology, there is always the potential for failure. That’s why it’s important to do your research and diversify your investments. Consider investing in a broad-based AI ETF, such as the Global X Robotics & Artificial Intelligence ETF, to spread out your risk.

In conclusion, while the AI boom may seem daunting and dominated by big tech companies, there are still plenty of opportunities for retail investors to profit. By looking beyond the obvious players and diversifying your investments, you can ride the AI wave and potentially see significant returns in the future. So don’t wait, start researching and investing in the growing world of AI today.

Do you consider yourself a savvy investor? Maybe you’ve had some successful trades or have seen decent gains in your portfolio. But before you pat yourself on the back, it’s important to take a step back and evaluate your performance objectively.

The truth is, most retail investors tend to overestimate their abilities and underestimate the market. A study by Dalbar Inc. found that the average investor underperforms the market by a whopping 4.66% annually. Why is this? It’s because of common behavioral biases that lead us to make irrational decisions, such as chasing hot tips or panicking during market downturns.

So what can you do to improve your investment skills? First, acknowledge that you may not be as good as you think. This doesn’t mean you’re a bad investor, just that there’s always room for improvement. Next, focus on building a solid foundation by educating yourself on basic investing principles and strategies. This will help you make more informed decisions and avoid costly mistakes.

In addition, consider seeking professional help. A financial advisor can provide valuable insights and help you create a personalized investment plan based on your goals and risk tolerance. They can also help you stay disciplined and avoid impulsive moves that can hurt your returns.

So the next time you’re tempted to make a quick trade or follow the latest investing trend, remember to take a step back and objectively evaluate your choices. And if you need some guidance, don’t be afraid to reach out for help. After all, even the smartest investors know when to ask for assistance.

Luke Lango, a well-known financial analyst, has been hesitant to declare a market bottom despite the recent rally in stocks. Many are wondering why he hasn’t made a definitive call, and the answer may surprise you.

First and foremost, Lango believes that the current rally is being driven by short-term factors such as government stimulus and the reopening of the economy. While these may provide a temporary boost, they do not address the underlying issues that caused the market crash in the first place.

In fact, Lango argues that there are still significant risks in the market, including the potential for a second wave of COVID-19 infections, high unemployment levels, and uncertainty surrounding corporate earnings. These factors could easily reverse the current rally and send the market back into a downward spiral.

So, what is Lango’s advice for retail investors? Instead of trying to time the market and call the bottom, he suggests focusing on quality stocks with strong fundamentals and long-term growth potential. These types of companies are better equipped to weather any market volatility and provide steady returns over time.

In the end, Lango’s cautious approach may not be as exciting as declaring a bottom and urging investors to jump back in, but it is a more prudent strategy for long-term success. As the saying goes, it’s not about timing the market, but time in the market. So, be patient and selective in your investments, and don’t be swayed by short-term market movements. After all, the goal is not to win the race, but to finish strong.

Are some people just luckier than others when it comes to investing? The answer is no. Luck is not a random occurrence, but rather something that can be engineered with the right strategies. By being prepared and taking calculated risks, you can increase your chances of success in the market.

First, it’s important to have a plan in place before making any investment decisions. This means setting clear goals, understanding your risk tolerance, and doing thorough research on potential investments. Don’t rely on luck to guide your investments, but rather make informed choices based on your own analysis and strategy.

Next, don’t be afraid to take calculated risks. This doesn’t mean blindly throwing money at speculative investments, but rather carefully considering the potential risks and rewards. Diversifying your portfolio can also help mitigate risk and increase your chances of success. As the saying goes, don’t put all your eggs in one basket.

Lastly, be open to opportunities and stay flexible. Luck is often the result of being in the right place at the right time, and the same can be said for investing. Keep an eye out for potential opportunities and be willing to adapt your strategy if needed. This doesn’t mean constantly jumping in and out of the market, but rather being open to making changes when necessary.

In the end, luck is not something that can be relied upon in the world of investing. It takes preparation, calculated risks, and flexibility to engineer success. So don’t leave your investments up to chance, but rather take control and engineer your own luck. With the right strategies in place, you can increase your chances of success and reach your financial goals.

As a smart investor, you know the importance of planning for your financial future. And while stocks and bonds may be at the top of your list, don’t overlook the value of owning a home. In fact, renting your entire life could be a costly mistake.

Housing security is crucial when it comes to building long-term wealth. By owning a home, you have a tangible asset that can appreciate in value over time. Plus, as you make mortgage payments, you are building equity and essentially paying yourself instead of a landlord.

But don’t just take my word for it. Data shows that homeowners have a higher net worth than renters. According to the Federal Reserve, the median net worth of homeowners in 2019 was $255,000, compared to just $6,300 for renters. And with historically low mortgage rates, there has never been a better time to become a homeowner.

Of course, owning a home comes with its own set of responsibilities and costs. But with proper planning and budgeting, it can be a wise investment for your financial future. So don’t rent your entire life and miss out on the potential for long-term wealth. Consider making homeownership a part of your financial strategy and secure your future. After all, as the saying goes, “home is where the heart is” and it could also be where your wealth grows.