Personal finance insights: News & Features
By: Dr K C Gupta, YBB Personal Finance SENTIMENTS AAII Bull-Bear Spread -4.8% (below average)$NYA50R, NYSE %Above 50-dMA 71.16% (overbought)$SPXA50R, SP500 %Above 50-dMA 65.20% (positive) ICI Fund Allocations (Cumulative), 7/31/25OEFs & ETFs: Stocks 61.23%, Hybrids 4.14%, Bonds 17.51%, M-Mkt 17.12% INTEREST RATES CME
Personal finance insights: News & Features
By: Dr K C Gupta, YBB Personal Finance SENTIMENTS AAII Bull-Bear Spread -14.0% (very low)$NYA50R, NYSE %Above 50-dMA 77.74% (overbought)$SPXA50R, SP500 %Above 50-dMA 72.20% (overbought) ICI Fund Allocations (Cumulative), 6/30/25OEFs & ETFs: Stocks 61.34%, Hybrids 4.14%, Bonds 17.47%, M-Mkt 17.05% INTEREST RATES CME
Personal finance insights: News & Features
Dr K C Gupta, YBB Personal Finance SENTIMENTS AAII Bull-Bear Spread -16.3% (very low)$NYA50R, NYSE %Above 50-dMA 63.56% (positive)$SPXA50R, SP500 %Above 50-dMA 59.20% (positive) ICI Fund Allocations (Cumulative), 6/30/25OEFs & ETFs: Stocks 61.34%, Hybrids 4.14%, Bonds 17.47%, M-Mkt 17.05% INTEREST RATES CME FedWatchCycle
Personal finance insights: News & Features
By: Dr K C Gupta, YBB Personal FinanceSENTIMENTSAAII Bull-Bear Spread -8.3% (below average)$NYA50R, NYSE %Above 50-dMA 58.23% (positive)$SPXA50R, SP500 %Above 50-dMA 56.80% (positive) ICI Fund Allocations (Cumulative), 6/30/25OEFs & ETFs: Stocks 61.34%, Hybrids 4.14%, Bonds 17.47%, M-Mkt 17.05% INTEREST RATESCME FedWatchCycle peak 5.25-5.50%Current
Personal finance insights: News & Features
By: Dr K C Gupta, YBB Personal FinanceSENTIMENTS AAII Bull-Bear Spread +7.3% (above average)$NYA50R, NYSE %Above 50-dMA 51.24% (positive, barely)$SPXA50R, SP500 %Above 50-dMA 49.80% (negative; fast change from overbought) ICI Fund Allocations (Cumulative), 6/30/25OEFs & ETFs: Stocks 61.34%, Hybrids 4.14%, Bonds 17.47%, M-Mkt
Personal finance insights: News & Features
By: Dr K C GuptaSENTIMENTSAAII Bull-Bear Spread +2.8% (below average)$NYA50R, NYSE %Above 50-dMA 72.87% (overbought)$SPXA50R, SP500 %Above 50-dMA 73.80% (overbought) ICI Fund Allocations (Cumulative), 5/31/25OEFs & ETFs: Stocks 60.61%, Hybrids 4.16%, Bonds 17.70%, M-Mkt 17.54% INTEREST RATESCycle peak 5.25-5.50%Current 4.25-4.50%FOMC 7/30/25+ holdFOMC 9/17/25+
Personal finance insights: News & Features
By: Dr K C Gupta SENTIMENTSAAII Bull-Bear Spread +0.3% (below average)$NYA50R, NYSE %Above 50-dMA 68.44% (positive)$SPXA50R, SP500 %Above 50-dMA 68.00% (positive)Delta MSI 74.0% (overbought) ICI Fund Allocations (Cumulative), 5/31/25OEFs & ETFs: Stocks 60.61%, Hybrids 4.16%, Bonds 17.70%, M-Mkt 17.54% INTEREST RATESCME FedWatchCycle peak
Personal finance insights: News & Features
By: Dr K C Gupta, YBB Personal FinanceSENTIMENTSAAII Bull-Bear Spread +5.8% (below average)$NYA50R, NYSE %Above 50-dMA 74.44% (overbought)$SPXA50R, SP500 %Above 50-dMA 68.40% (positive)Delta MSI 77.9% (overbought) ICI Fund Allocations (Cumulative), 5/31/25OEFs & ETFs: Stocks 60.61%, Hybrids 4.16%, Bonds 17.70%, M-Mkt 17.54% INTEREST RATES
Personal finance insights: News & Features
By: Dr K C Gupta SENTIMENTSAAII Bull-Bear Spread +11.9% (above average)$NYA50R, NYSE %Above 50-dMA 80.26% (overbought)$SPXA50R, SP500 %Above 50-dMA 79.40% (overbought)Delta MSI 75.5% (overbought) ICI Fund Allocations (Cumulative), 5/31/25OEFs & ETFs: Stocks 60.61%, Hybrids 4.16%, Bonds 17.70%, M-Mkt 17.54% INTEREST RATESCME FedWatchCycle peak
Personal finance insights: News & Features
By: Dr K C Gupta SENTIMENTSAAII Bull-Bear Spread -5.2% (below average). (Thursday-Wednesday)$NYA50R, NYSE %Above 50-dMA 72.43% (overbought)$SPXA50R, SP500 %Above 50-dMA 73.00% (overbought)Delta MSI 66.8% (positive)ICI Fund Allocations (Cumulative), 5/31/25OEFs & ETFs: Stocks 60.61%, Hybrids 4.16%, Bonds 17.70%, M-Mkt 17.54% INTEREST RATESCME FedWatchCycle peak
Personal finance insights: News & Features
By: Dr K C Gupta, YBB Personal FinanceSENTIMENTSAAII Bull-Bear Spread -8.2% (below average). (Thursday-Wednesday)$NYA50R, NYSE %Above 50-dMA 67.23% (positive)$SPXA50R, SP500 %Above 50-dMA 67.20% (positive)Delta MSI 66.4% (positive)ICI Fund Allocations (Cumulative), 4/30/25OEFs & ETFs: Stocks 59.51%, Hybrids 4.20%, Bonds 18.28%, M-Mkt 18.00% INTEREST RATESCME
Personal finance insights: News & Features
By: Dr K C Gupta, YBB Personal Finance SENTIMENTSAAII Bull-Bear Spread +3.1% (below average)$NYA50R, NYSE %Above 50-dMA 68.85% (positive)$SPXA50R, SP500 %Above 50-dMA 72.20% (overbought)Delta MSI 66.2% (positive)ICI Fund Allocations (Cumulative), 4/30/25OEFs & ETFs: Stocks 59.51%, Hybrids 4.20%, Bonds 18.28%, M-Mkt 18.00% INTEREST RATESCME
Uniform Penalty-Free Withdrawals -72T/SEPP
By: Dr K C Gupta, YBB Personal FinanceSome people hesitate to contribute to IRA, 401k, 403b because they fear that themoney would be locked up until retirement. While the retirement money shouldn’t betapped for ordinary expenses, or kids’ college education, there are ways
Personal finance insights: Market sentiments, investment strategies & economictrends
By: Dr K C GuptaSENTIMENTS AAII Bull-Bear Spread -9.0% (below average). (Thursday-Wednesday)$NYA50R, NYSE %Above 50-dMA 64.39% (positive)$SPXA50R, SP500 %Above 50-dMA 70.40% (overbought, barely)Delta MSI 57.5% (positive)ICI Fund Allocations (Cumulative), 4/30/25OEFs & ETFs: Stocks 59.51%, Hybrids 4.20%, Bonds 18.28%, M-Mkt 18.00% INTEREST RATESCycle peak
Retirement Saving & Income
By: Dr K C Gupta RETIREMENT is an important topic for everyone – retirement SAVING for the young,retirement INCOME for the old. The top sources of retirement income are SocialSecurity, IRAs & 401k/403b. WORKPLACE PLANS are business & corporate 401k (pre-tax), Roth 401k (after-tax);school,
Personal finance insights: Market sentiments, investment strategies & economictrends
By: Dr K C Gupta, YBB Personal FinanceSENTIMENTSAAII Bull-Bear Spread -8.5% (below average). (Thursday-Wednesday)$NYA50R, NYSE %Above 50-dMA 72.25% (overbought)$SPXA50R, SP500 %Above 50-dMA 79.00% (overbought)Delta MSI 56.9% (positive)ICI Fund Allocations (Cumulative), 3/31/25OEFs & ETFs: Stocks 59.32%, Hybrids 4.24%, Bonds 18.32%, M-Mkt 18.11% INTEREST RATESCME
Fund Yields
By: Dr K. C. Gupta What is your fund’s yield? That simple question doesn’t have a simple answer. To protect the investors, there are regulations about how funds report yields. But those regulations don’t apply to websites that report fund performance data, so
Personal finance insights: Market sentiments, investment strategies & economic trends
By: Dr K C Gupta SENTIMENTSAAII Bull-Bear Spread -38.3% (very low). (Thursday-Wednesday)$NYA50R, NYSE %Above 50-dMA 49.26% (negative, but almost positive)$SPXA50R, SP500 %Above 50-dMA 56.40% (positive)Delta MSI 33.0% (negative)ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 59.32%, Hybrids 4.24%, Bonds 18.32%, M-Mkt 18.11% INTEREST RATESCME
Elder Issues
By: Dr K C Gupta Elder problems can remain hidden due to considerations of personal privacy orhesitation to discuss them with others. Even celebrities have been victims of elderabuse or neglect. Family members should be aware of this. Rely on local estate orelder-law
Personal finance insights: Market sentiments, investment strategies & economictrends
By: Dr K C GuptaSENTIMENTSAAII Bull-Bear Spread -31.4% (very low). (Thursday-Wednesday)$NYA50R, NYSE %Above 50-dMA 19.89% (oversold)$SPXA50R, SP500 %Above 50-dMA 24.60% (oversold)Delta MSI 24.0% (oversold)ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 60.36%, Hybrids 4.24%, Bonds 17.81%, M-Mkt 17.59% INTEREST RATESCME FedWatchCycle peak 5.25-5.50%Current 4.25-4.50%FOMC