Here039s – Earlybirds Invest https://earlybirdsinvest.com Latest Crypto News Tue, 06 Jan 2026 12:35:43 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.8 https://i0.wp.com/earlybirdsinvest.com/wp-content/uploads/2024/12/cropped-New-Project-2024-12-17T235703.455.png?fit=32%2C32&ssl=1 Here039s – Earlybirds Invest https://earlybirdsinvest.com 32 32 240146708 Here's How Many Shares of the Vanguard Total Stock Market ETF (VTI) You'd Need for $500 in Yearly Dividends https://earlybirdsinvest.com/heres-how-many-shares-of-the-vanguard-total-stock-market-etf-vti-youd-need-for-500-in-yearly-dividends/ https://earlybirdsinvest.com/heres-how-many-shares-of-the-vanguard-total-stock-market-etf-vti-youd-need-for-500-in-yearly-dividends/#respond Mon, 15 Sep 2025 12:05:06 +0000 https://earlybirdsinvest.com/heres-how-many-shares-of-the-vanguard-total-stock-market-etf-vti-youd-need-for-500-in-yearly-dividends/ You’d need about 130 shares. But there are better ways to get dividend income.

If you’re looking for a broad stock market investment that will also deliver dividend income to you, you might want to consider the Vanguard Total Stock Market ETF (VTI -0.09%). It’s an exchange-traded fund (ETF), which means it’s a fund that trades like a stock. It’s also an index fund, encompassing not just the 500 big American companies in the S&P 500 index but just about all of the U.S. stock market — more than 3,600 stocks.

The Vanguard Total Stock Market ETF pays dividends, too, and recently sported a dividend yield of 1.2% — but whereas most healthy and growing companies pay a fixed dividend amount until they increase it, this ETF’s payout fluctuates a fair amount, as the companies in it change what they pay.

Someone is smiling with arms crossed.

Image source: Getty Images.

But let’s assume a 1.2% yield. If you invest, say, $1,000, you’ll receive around $12. So to collect $500 in dividend income, you’d need about 42 times that — meaning a stake worth roughly $42,000. That would mean some 130 shares.

To be clear, you can collect much more in dividend income from various high-yield stocks and even some good dividend-focused ETFs. But the Vanguard Total Stock Market ETF can still serve a useful role in your long-term portfolio, having you invested in pretty much the entire U.S. market — and, therefore, most of the U.S. economy — including stocks from Amazon (NASDAQ: AMZN) to ZIM Integrated Shipping Services (NYSE: ZIM). So if you’re bullish on the future of e-commerce and international trade, not to mention scores of other businesses, this ETF has you covered. (Note that there are reports that ZIM may be taken private. And Amazon investors are expecting its investments in artificial intelligence to make it even more efficient.)

It has more to recommend it, too, such as a low expense ratio (annual fee) of just 0.03%, costing you $3 per $10,000 invested per year.

Selena Maranjian has positions in Amazon. The Motley Fool has positions in and recommends Amazon and Vanguard Total Stock Market ETF. The Motley Fool recommends Zim Integrated Shipping Services. The Motley Fool has a disclosure policy.

 

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Cardano Community's Crucial Call to Coinbase: Here's Why https://earlybirdsinvest.com/cardano-communitys-crucial-call-to-coinbase-heres-why/ https://earlybirdsinvest.com/cardano-communitys-crucial-call-to-coinbase-heres-why/#respond Mon, 15 Sep 2025 11:54:59 +0000 https://earlybirdsinvest.com/cardano-communitys-crucial-call-to-coinbase-heres-why/

The Cardano community has made an important call to major crypto exchange Coinbase. This follows a clarification on asset listings made by Coinbase CEO Brian Armstrong in the past week.

On Friday, the Coinbase CEO shared with the crypto community that the crypto exchange has published a “Guide to the Digital Asset Listing Process” in a bid to enlighten crypto project users. This, according to the Coinbase CEO, was necessitated by the exchange getting a ton of questions about how and why assets get listed, and in order to boost transparency, the guide was then written.

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Title news

According to the guide, applications for listings are free, merit-based and evaluated under the same standards,  with review times ranging from hours to months, depending on complexity and completeness.

Cardano community makes crucial call

Aside from Binance and Upbit, Coinbase accounts for one of the largest trading platforms for Cardano’s ADA, with the crypto exchange expanding its support for the digital asset.

In June 2025, Coinbase launched its wrapped Cardano token, cbADA, on Ethereum layer-2 network Base, enabling Cardano holders to access the DeFi ecosystem.

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Title news

While ADA is gaining ground on the Coinbase crypto exchange, the same cannot be said for native assets on the Cardano network. Since the Mary ledger upgrade, Cardano has supported multi-assets, referred to as native tokens or assets.

In line with this, Cardano focused community X account, Cardanians, makes a call to Coinbase, imploring it to start listing Cardano native assets/tokens, stating it is time the Cardano ecosystem gets the recognition it deserves.

In separate news, Cardano Founder Charles Hoskinson believes Cardano’s best days are ahead of it. “Now we have a constitution, hundreds of DReps, and a ratified budget. We’ve done all this in just one year.Imagine what we can achieve in the next 3–5 years,” the Cardano founder stated.

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New to Growth Stocks? Here's 1 Every Investor Should Have on Their Radar. https://earlybirdsinvest.com/new-to-growth-stocks-heres-1-every-investor-should-have-on-their-radar/ https://earlybirdsinvest.com/new-to-growth-stocks-heres-1-every-investor-should-have-on-their-radar/#respond Sun, 14 Sep 2025 01:12:33 +0000 https://earlybirdsinvest.com/new-to-growth-stocks-heres-1-every-investor-should-have-on-their-radar/ Key Points
  • Every growth investor should be closely monitoring AI stocks.

  • If I could only buy one AI stock, this would be it.

  • 10 stocks we like better than Nvidia ›

When it comes to growth investing, finding businesses that can grow by leaps and bounds for decades to come is a dream. But that’s what many popular artificial intelligence (AI) stocks today offer. If I could only buy one AI stock, the GPU manufacturer below would be it.

Nvidia is my top choice for every growth investor

In my opinion, every growth investor should be paying close attention to Nvidia (NASDAQ: NVDA). In fact, I think it should top your watch list of companies to consider investing in. That’s because the company sits at the center of the AI revolution. The United Nations predicts AI spending will grow by more than 30% annually for the next decade. Most longer-term forecasts believe this growth should be sustained for many years to follow. Being at the center of this industry, therefore, is a great place to be.

Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Continue »

China and U.S. flags.

Image source: Getty Images.

What makes Nvidia so special? It’s the leading producer of GPUs — specialized components that make most artificial intelligence and machine learning tasks possible — for the entire AI industry. Many estimates believe the company has a market share of 90% or more. This dominant market share is fueled by early investment and a powerful software platform that keeps users embedded within Nvidia’s ecosystem.

Nvidia is facing some short-term headwinds due to the ongoing trade war between the U.S. and China. But long term, there’s no denying that the firm will benefit immensely from rising AI spending, a trend that could persist for quite a while. If you’re new to growth investing, Nvidia needs to be one of the first companies you consider for your portfolio.

Should you invest $1,000 in Nvidia right now?

Before you buy stock in Nvidia, consider this:

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Consider when Netflix made this list on December 17, 2004… if you invested $1,000 at the time of our recommendation, you’d have $640,916!* Or when Nvidia made this list on April 15, 2005… if you invested $1,000 at the time of our recommendation, you’d have $1,090,012!*

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Ryan Vanzo has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Nvidia. The Motley Fool has a disclosure policy.

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This $1 Trillion Wall Street Warning Is Flashing Red. Here's What History Says Happens Next. https://earlybirdsinvest.com/this-1-trillion-wall-street-warning-is-flashing-red-heres-what-history-says-happens-next/ https://earlybirdsinvest.com/this-1-trillion-wall-street-warning-is-flashing-red-heres-what-history-says-happens-next/#respond Sat, 13 Sep 2025 16:29:14 +0000 https://earlybirdsinvest.com/this-1-trillion-wall-street-warning-is-flashing-red-heres-what-history-says-happens-next/

Imagine it’s 1999, and markets are hitting high after high. The dot-com boom is in full swing, and investors are euphoric seeing the value of their portfolios soar. For many, the advent of the internet meant that “it was different this time” — technology stocks seemed like they would never stop their incredible march upward. I probably don’t have to tell you what happened next.​ ​

While it might seem clear in hindsight — maybe even obvious — it’s never the case when you’re living it. It’s easy to get caught up in the moment and miss the signs. And frankly, that may not always be the worst thing; bulls tend to outperform bears in the long run.

But with the S&P 500 (^GSPC -0.05%) hitting new highs, many investors would love to know when the next crash is coming — I sure would — so it’s useful to look for parallels between now and major market downturns of the past. Were there specific warning signs in 1999 and 2007 that a savvy investor could have seen before the crashes of 2000 and 2008?

Margin debt hits $1 trillion for the first time ever

One potential warning sign is the money traders borrow to invest in stocks, known as margin debt. This metric recently hit an all-time high, topping $1 trillion for the first time in June and rising again in July. But then again, the stock market is hitting new highs itself, so margin debt isn’t setting records relative to the total value of the S&P 500.

​What is truly concerning is not how much debt there is in the market but how fast it’s growing. Between May and June, leveraged positions grew 18%, the fifth-largest increase on record. The only two-month periods with higher growth rates all came in — you guessed it — either 1999 or 2007.

Why margin debt matters

Investors should care about margin debt for two reasons. First, high levels can accelerate a downturn. Traders who use margin cannot let the value of their portfolio fall below a minimum level in relation to the amount they borrowed in the first place. If stocks keep going up, that’s not a problem.​

A person in a trading room puts their hands on their head.

Image source: Getty Images.

If stock prices fall, however, and their portfolio dips below that minimum value, they face a “margin call” and must either add cash to raise the portfolio value or sell the stocks they bought with margin. Many don’t have the cash on hand to pursue the first option and must sell. This can cause a runaway downward spiral as traders liquidate part of their portfolios to “cover” margin calls, which in turn lower stock prices further, leading to more liquidations, additional sales, and so on.

The second reason it matters is that it is a clear barometer of investor sentiment. A rapid increase, such as the one that recently occurred, suggests that investors are chasing growth. They appear confident that stocks will only go higher and are willing to take on an unusual amount of risk to capitalize on that. And while confidence supports markets, overconfidence fuels bubbles.

Here’s what history says happens next

This rapid rise in margin was exactly the kind of warning sign investors could have looked for in both 1999 and 2007. History would seem to say that what happens next is a crash. However, it’s critical for investors to keep three things in mind.

First, this is a single indicator in what is an incredibly complex market. If you look hard enough, you can probably find numbers that parallel just about any year. It’s more than possible that a crash does not follow in the near term, and the bull run continues.

Second, there are numerous ways in which the market of 2025 differs from those of 2007 and 1999. The companies at the top of the food chain, like Nvidia and Microsoft, are mature companies with robust earnings and valuations that are significantly lower than those of a company like Cisco in 1999. In 2007, the risks posed by a housing market collapse went well beyond the market and equity prices. They were systemwide risks to the very foundation of the real economy.

And finally, even if this is a bubble, timing markets is almost never a winning strategy. Bubbles can keep going for quite some time. So, the lesson history has to offer here is that you should always look to invest in a diverse portfolio of solid companies for the long haul, rather than chasing the latest fad. This gives you the confidence and peace of mind to weather the natural ups and downs of the market — even the big ones.​

Johnny Rice has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Cisco Systems, Microsoft, and Nvidia. The Motley Fool recommends the following options: long January 2026 $395 calls on Microsoft and short January 2026 $405 calls on Microsoft. The Motley Fool has a disclosure policy.

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Phishing scams cost users over $12M in August — Here's how to stay safe https://earlybirdsinvest.com/phishing-scams-cost-users-over-12m-in-august-heres-how-to-stay-safe/ https://earlybirdsinvest.com/phishing-scams-cost-users-over-12m-in-august-heres-how-to-stay-safe/#respond Sat, 06 Sep 2025 21:26:37 +0000 https://earlybirdsinvest.com/phishing-scams-cost-users-over-12m-in-august-heres-how-to-stay-safe/

Phishing scams, attacks disguised as legitimate communication or websites designed to steal funds and sensitive information, cost crypto users over $12 million in August, up 72% from July, Web3 anti-scam service Scam Sniffer reported on Saturday.

Crypto phishing scams impacted 15,230 victims in August, a 67% increase from July, with the single largest loss costing one user over $3 million, according to Scam Sniffer.

The Scam Sniffer team also noted a “sharp escalation” in EIP-7702 signature scams. EIP-7702 is an Ethereum improvement proposal that allows Externally Owned Accounts to act as smart contract wallets that can execute transactions and shift funds.

Phishing, Cybersecurity, Scams
August 2025 phishing attack numbers. Source: Scam Sniffer

Scammers and hackers exploiting this functionality drained over $5.6 million in August through three separate attacks, Scam Sniffer said.

Scams and cybersecurity exploits continue to be a problem in crypto, with over $163 million stolen in August through malicious activity. The persistent threat is a reminder for crypto users to remain vigilant and practice good anti-phishing and anti-scam security measures.

Related: Venus Protocol recovers user’s $13.5M stolen in phishing attack

Good practices for staying safe against phishing scams

Losses from crypto hacks and scams crossed $3.1 billion in the first half of 2025 amid increasingly sophisticated attack methods.

Scammers often target users by posing as legitimate and well-known cryptocurrency exchanges, either setting up fake websites with similar URL addresses to legitimate exchanges or sending fake communications to users.

These communications include emails, text messages, and even physical letters sent through the mail, designed to steal sensitive user information, including seed phrases for crypto wallets and passwords to online accounts. 

Typically, the scammers will pretend to be customer service agents from reputable exchanges, claiming that the user’s account is facing some sort of threat or cybersecurity issue and demand personal information from the user, including seed phrases.

Good practices to avoid phishing scams include checking URLs for tiny mistakes and bookmarking pages instead of using search engines or the search bar to access websites every time, verifying website links, and avoiding downloading attachments or clicking links from unknown sources. 

Phishing scams often contain misspelled words or grammatical errors, and any of these mistakes is a red flag; users should read through messages carefully to detect such errors.

Crypto and Web3 users should also use virtual private networks (VPNs) to mask their IP addresses and physical locations, never give out seed phrases or passwords, and enable two-factor authentication for sensitive online accounts.

Magazine: $55M DeFi Saver phish, copy2pwn hijacks your clipboard: Crypto Sec

]]> https://earlybirdsinvest.com/phishing-scams-cost-users-over-12m-in-august-heres-how-to-stay-safe/feed/ 0 57113 Trust Wallet leveled up – here's how https://earlybirdsinvest.com/trust-wallet-leveled-up-heres-how/ https://earlybirdsinvest.com/trust-wallet-leveled-up-heres-how/#respond Thu, 04 Sep 2025 18:24:04 +0000 https://earlybirdsinvest.com/trust-wallet-leveled-up-heres-how/

The crypto market’s still just hanging ’round, consolidating – nothing wild happening.

But as we’ve already mentioned before, things could change on September 17, when the Fed’s gonna decide whether they’re going to cut interest rates.

And right now, it’s looking pretty likely they will.

Reason: the job market keeps getting weaker.

👉 Hiring slowed → only 54K private sector jobs were added last month (way below what economists expected);

👉 Layoffs spiked → August layoffs increased almost 40% compared to last year – the worst August we’ve seen since 2020;

👉 More people are filing for unemployment → weekly jobless claims hit 237K (higher than expected).

(Tomorrow’s jobs report will give us an even clearer picture of how rough things are getting.)

Now, if the Fed does cut rates, here’s the domino effect: short-term interest rates drop, which makes the dollar less attractive to investors (’cause like, why hold dollars if they’re not paying you much?).

So the dollar gets weaker.

At the same time, according to QCP Capital, investors want extra pay for holding long-term bonds because they’re worried about future risks like inflation and government debt.

This combo – short-term rates down + long-term rates relatively high – tells markets: the Fed’s easing, but the future still looks risky.

And it’s actually good news for crypto:

👉 Weaker dollar = stronger alternatives.

When the dollar loses its shine, assets like Bitcoin and gold become more attractive in global investment portfolios.

👉 Inflation fears demand for “hedge” assets.

If inflation expectations rise, people want assets that hold their value when money starts losing its purchasing power.

Bitcoin increasingly fits that bill.

👉 Policy uncertainty = “outside the system” becomes appealing.

When people don’t fully trust the government’s ability to manage the economy, Bitcoin’s whole “decentralized, no government control” thing starts looking pretty sexy.

Overall, the likely setup is rate cuts + weaker dollar + inflation worries.

That’s basically the perfect storm for assets like gold and Bitcoin – things people buy when they want protection from a wobbly economy and don’t completely trust traditional currencies.

And the institutions are already picking up on this, btw – Bitcoin ETFs had $633.3M in inflows just this week.

So, if you’re wondering why crypto bros are getting excited about the next Fed meeting, this is why.

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Here's Why Serve Robotics Surged This Week https://earlybirdsinvest.com/heres-why-serve-robotics-surged-this-week/ https://earlybirdsinvest.com/heres-why-serve-robotics-surged-this-week/#respond Fri, 29 Aug 2025 18:48:51 +0000 https://earlybirdsinvest.com/heres-why-serve-robotics-surged-this-week/ A positive rating from an analyst highlighted the growth potential at the company this week.

Shares in Serve Robotics (SERV -2.76%) rose by 15.7% in the week through Friday morning, driven higher by the initiation of coverage by Wedbush Securities, whose analyst Dan Ives slapped a $15 price target on the stock and gave it an “outperform” rating. Given that the price target represents a 33% premium to the stock price at the time of writing, it’s not too late to buy in if you have confidence in the analyst’s expectations.

Serve Robotics’ expansion plan

While it’s never a good idea to slavishly follow Wall Street analysts, there’s certainly a case for the stock based on the growth potential for its last-mile delivery of artificial intelligence (AI)-driven robots. Last-mile deliveries to residential addresses can be costly and inefficient, and it makes perfect logistical and commercial sense to have them carried out by robots; hence Serve’s contract with Uber Eats.

Management has already launched the service in Los Angeles, Miami, Dallas, and Atlanta, and expects to scale these locations while launching additional ones in Chicago and ultimately reaching 2,000 robots in service by the end of the year.

An investor thinking.

Image source: Getty Images.

Where next for Serve Robotics?

The Wall Street consensus predicts sales to surge by $35 million in 2026 and then $71 million in 2027, driven by the rollout. That’s fair enough, but before investing in the stock, consider that this is a competitive field. Unlike Tesla and its robotaxi rollout, Serve simply doesn’t have a dominant market position in the type of vehicle/robot used in service. That might put pressure on its ability to grow margins in the future.

Lee Samaha has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Serve Robotics, Tesla, and Uber Technologies. The Motley Fool has a disclosure policy.

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We're Getting Closer to a Social Security COLA Announcement. Here's What We Know So Far. https://earlybirdsinvest.com/were-getting-closer-to-a-social-security-cola-announcement-heres-what-we-know-so-far/ https://earlybirdsinvest.com/were-getting-closer-to-a-social-security-cola-announcement-heres-what-we-know-so-far/#respond Fri, 22 Aug 2025 07:47:57 +0000 https://earlybirdsinvest.com/were-getting-closer-to-a-social-security-cola-announcement-heres-what-we-know-so-far/ The big reveal is less than two months away, but there are already some clues about next year’s raise.

For people who reach retirement without much savings, Social Security can be a true lifeline. And it’s people in that situation who tend to be very reliant on the program’s cost-of-living adjustments (COLAs).

Social Security benefits are eligible for a COLA each year. That doesn’t mean they’re guaranteed to get one, though.

Two people at a laptop.

Image source: Getty Images.

If there’s no rise in inflation from one year to the next, benefits don’t increase. Thankfully, though, the worst thing that happens is that they stay put. Social Security benefits can’t be adjusted downward, even if there’s a drop in inflation year over year.

At this point, many Social Security recipients are eager to know what raise they’ll be getting in 2026. And unfortunately, it’s too soon to have an official answer.

Social Security COLAs are based on third-quarter inflation data. This means that until data from September comes in, a COLA can’t be calculated. It’s for this reason that the Social Security Administration won’t be able to announce a COLA until Oct. 15.

However, based on inflation data so far, there are clues as to what year’s COLA might be. Whether you’re happy with the number, though, depends on how you look at things.

What we know about 2026’s Social Security COLA so far

In 2025, Social Security recipients saw their benefits increase by 2.5%. And many seniors were unhappy with that small a raise.

So far, next year’s COLA is potentially looking to be more promising. The Senior Citizens League, an advocacy group, is estimating that 2026’s raise will come in at 2.7%.

Of course, this number could wiggle upward or downward, depending on what inflation has in store for August and September. But either way, there’s a good chance seniors on Social Security will get a slightly larger raise in 2026 than they did this year.

Should you be happy with a 2.7% COLA?

That depends. On one hand, it’s higher than this year’s raise, and it’s not nothing. There have been many COLAs in the past that were much smaller (including a number of 0% COLA years).

On the other hand, 2.7% is hardly a large boost. If you’ve been struggling to keep up with your living expenses, you may find that a 2.7% Social Security COLA doesn’t do all that much for you.

But there’s another silver lining to a 2.7% COLA, or something in that vicinity. A moderate COLA is an indication that inflation isn’t rising at such a rapid pace.

There’s fear that in the coming months, tariffs will drive living costs up — not just for seniors, but Americans on a whole. If next year’s COLA ends up somewhere in the ballpark of 2.7%, it will be an indication of economic stability.

Think about your lifestyle carefully if you’re COLA-dependent

All told, you’ll have to wait until mid-October to see what the official word is on next year’s COLA. But if you’re worried it won’t be enough, it may be time to reassess your financial situation.

Think about the things you spend money on and the value they bring you. You may not be able to cut back on food or electricity, but you may be able to sell a nicer car and replace it with a cheaper one. Or you may be able to give up a car altogether if you live in a walkable neighborhood and no longer have a job to commute to on a daily basis.

Another thing worth considering is part-time work if you’re able to do it. Not only might that give you something to do with your time, but it could also improve your finances a lot more than a Social Security COLA — even a larger one.

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Here's What the Latest Social Security Trust Fund Update Means for You https://earlybirdsinvest.com/heres-what-the-latest-social-security-trust-fund-update-means-for-you/ https://earlybirdsinvest.com/heres-what-the-latest-social-security-trust-fund-update-means-for-you/#respond Mon, 18 Aug 2025 07:46:12 +0000 https://earlybirdsinvest.com/heres-what-the-latest-social-security-trust-fund-update-means-for-you/ Whether you’re retired or still working, it’s important to know where things stand.

When you have a program that’s as popular as Social Security, it’s easy enough for rumors to start flying.

You may, for example, have heard that there’s a new law that eliminates taxes on Social Security. But that’s not true. While the recently passed “big, beautiful bill” comes with a $6,000 tax deduction that will make it so that many Social Security recipients will have the taxes on their benefits fully offset, that doesn’t mean those taxes entirely went away.

Social Security cards.

Image source: Getty Images.

Similarly, you may have read that Social Security is on the verge of going bankrupt. That, too, is not true.

Social Security can’t go bankrupt because it gets most of its funding from payroll taxes. As long as people continue to work, Social Security can continue to collect money it can then use to pay benefits.

But Social Security is facing some serious financial challenges in the coming years. Here’s the latest on what’s going on with the program’s trust funds, and how you could be impacted once they’re out of money.

What are the Social Security trust funds?

Before we talk about what’s happening with Social Security’s trust funds, it’s important to know what they are. Social Security has two trust funds:

  • The Old-Age and Survivors Insurance (OASI) Trust Fund, which pays retirement and survivors benefits
  • The Disability Insurance (DI) Trust Fund, which pays disability benefits

These trust funds can only be used to pay benefits, as well as administrative costs related to Social Security. Any money that’s in those trust funds that isn’t needed immediately is invested in special Treasury bonds.

What’s happening with Social Security’s trust funds?

In the coming years, Social Security expects its costs to exceed its revenue as baby boomers retire in droves. Social Security will be able to rely on its trust funds to keep up with scheduled benefits for a period of time, until those trust funds run out of money.

The latest Social Security Trustees report has the OASI trust fund running out in 2033. At that point, the Trustees think only 77% of benefits will be payable.

Meanwhile, the combined OASI and DI trust funds are expected to run out of money by 2034. At that point, 81% of benefits will be payable.

It’s not clear as to whether Social Security will actually merge both trust funds, and combining them would require lawmaker approval. However, it’s an option.

Either way, though, it seems like Social Security cuts could very well be on the table as early as 2034. That’s a scary thought considering that’s less than a decade away.

Are Social Security cuts guaranteed?

It is not an absolute given that Social Security will be cutting benefits in 2034, or whenever its trust funds are emptied. Thankfully, lawmakers have different options they can look at for preventing a broad reduction in benefits, which is something that would no doubt hurt current and future retirees alike.

However, it’s best to prepare for Social Security cuts in case lawmakers don’t end up stopping them from happening. And your approach to doing so will likely depend on your stage of life.

If you’re retired already, downsizing and cutting spending may be your best bet. If you’re still working, you can prioritize IRA or 401(k) plan contributions, and/or make lifestyle changes to free up money for long-term savings.

Of course, it’s worth noting that the timing of Social Security’s trust funds depletion date could change, depending on how much revenue the program takes in between now and 2034. It’s a good idea to keep tabs on what’s happening with Social Security so you’re able to prepare as best as you can.

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If You'd Invested $500 in The Trade Desk Stock 5 Years Ago, Here's How Much You'd Have Today https://earlybirdsinvest.com/if-youd-invested-500-in-the-trade-desk-stock-5-years-ago-heres-how-much-youd-have-today/ https://earlybirdsinvest.com/if-youd-invested-500-in-the-trade-desk-stock-5-years-ago-heres-how-much-youd-have-today/#respond Fri, 15 Aug 2025 18:40:30 +0000 https://earlybirdsinvest.com/if-youd-invested-500-in-the-trade-desk-stock-5-years-ago-heres-how-much-youd-have-today/

Digital advertising veteran The Trade Desk (TTD 2.50%) used to be hot stuff. In early December 2024, the stock had posted a market-stomping 156% gain in two years. The stock traded at market-darling valuation multiples such as 134 times free cash flow and 30 times sales. The Trade Desk made mighty Nvidia‘s (NVDA -1.00%) stock look affordable by comparison.

But things have changed.

The Trade Desk’s recent earnings reports have been robust, but they were accompanied by a sobering market analysis and modest forward-looking guidance. The brutal market reaction wiped out several years of The Trade Desk’s investor gains.

So if you invested $500 in The Trade Desk five years ago, that position would be worth just $576 today:

TTD Total Return Level Chart

TTD Total Return Level data by YCharts

The S&P 500 (^GSPC -0.09%) market index more than doubled over the same period, in terms of total returns. That’s an above-average compound annual growth rate (CAGR) of 15.6% versus The Trade Desk’s anemic 2.9%.

A person shrugs and scowls at their laptop screen.

Image source: Getty Images.

Silver lining of the reality check

These days, you can buy The Trade Desk’s stock at a less outrageous valuation of 33 times free cash flow and 9 times sales. If the stock price doubled today, the shares would still carry lower valuation multiples than Nvidia’s 62 times free cash flow and 30 times sales.

Mind you, The Trade Desk is still far from a deep-discount value stock. These multiples are appropriate for a fast-growing business addressing a large target market.

And I would argue that The Trade Desk fits that description. Its sales have been soaring for years, and free cash flows are richer than ever:

TTD Revenue (TTM) Chart

TTD Revenue (TTM) data by YCharts

The company’s near-term outlook has been less bullish in recent quarters, but management still expects roughly 14% sales growth in the third-quarter report. This growth story is far from over. The 2025 stock price cuts simply made this top-notch company more affordable.

Anders Bylund has positions in Nvidia and The Trade Desk. The Motley Fool has positions in and recommends Nvidia and The Trade Desk. The Motley Fool has a disclosure policy.

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