HSAPAY's week 13 of 30 funding for Baby Plan
Apr 03, 2023 8:45 pm
Welcome back ,
Here's HSAPAY's weekly update for April 3rd, 2023 that'll help you and your growing family navigate the complexities of utilizing and investing in your HSA.
HSA Weekly Roundup
- Understanding Beneficiaries & your HSA
- Adding an HSA over 55?
- 3 Dividends to grow your HSA
- The Power of Patient Preference in Shaping the Drug Delivery Market
Macro Minute & Precious Metals
- Will there be a recession? Forecasts shift as banking turmoil subsides but inflation rages on
- David Morgan: Gold Fever? Banking Crisis Impact for Metals and Miners
- VIDEO: Why invest in silver? What could the silver price do as banking falters and inflation roars?
- Hydrogen Stocks: 9 Biggest Companies in 2023
- Crude oil price forecast: demand and supply points to more pain
3-6 Month HSA Investment Return Entries
- NASDAQ 100 is on track for more gains as it enters bullish market territory
- Charles Schwab receives a rare downgrade as outflows rise
6-9 Month HSA ETF Investment Entries
- Trillions at Stake: Let’s Bring Back the Resolution Trust Company
- 2 Reasons Why Advisors Are Using NightShares ETFs
- Equities ETFs Tumble, Real Estate ETFs Flow Back Up
HSAPAY's Investing Portfolio
Understanding Beneficiaries & your HSA
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There are two separate Medicare enrollment periods underway until March 31: One pertains to Advantage Plans and the other is for late-enrolling beneficiaries. | |||
1:03 PM · Mar 28, 2023 | |||
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Adding an HSA over 55?
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While the amount you spend out of pocket depends on your coverage and your use of the healthcare system, you may be able to pinpoint a worst-case amount. If you are 55 or older now is the time to consider adding an HDHP with an HSA specifically for cnbc.com/2023/03/24 | |||
3:03 PM · Mar 27, 2023 | |||
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3 Dividends to grow your HSA
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 March 25, 2023 | |||
Here are 3 dividend elites with high dividend yields that investors can take advantage of. MO, WBA, MMM | |||
10:03 PM · Mar 25, 2023 | |||
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The Power of Patient Preference in Shaping the Drug Delivery Market
The emergence of oral alternatives for a range of injectable therapies could transform patient options. This power has already emerged in oncology.
Injectable therapies are a mainstay of treatment for many chronic conditions. However, as patients with multiple conditions continue to grow in number, as well as those with multiple treatment lines, injectable options may become less convenient. Providing access to alternative oral alternatives to injectables may help patients more easily manage their individual treatment needs.
The success of Darzalex, an oral therapy developed by Johnson & Johnson, is a testament to this power, with over 80% of U.S. and European sales now being attributed to subcutaneous injections.
Will there be a recession? Forecasts shift as banking turmoil subsides but inflation rages on
Imagine for a moment someone who faced the toughest of financial challenges. They entered the stock market at its highest peak on December 29th, 2021. But let's not focus on their misfortune, but rather on what they did next. They persevered and continued to invest $1000 monthly despite their initial setback.
Through sheer determination, they were only down $48 on a total investment of $1500, a mere 3% loss. This is a testament to the power of resilience in the face of adversity.
David Morgan: Gold Fever? Banking Crisis Impact for Metals and Miners
The gold price passed US$2,000 per ounce twice last week — where will it go next?
Gold is trading at its highest price since 2013, driven by geopolitical tensions, a weakening dollar, and safe haven demand.
The precious metal has climbed to 2019 levels, as demand for a safe haven from the coronavirus pandemic increased.
Gold futures for June delivery rose 0.5% to US$1,270.50 an ounce as of 10:11 a.m. ET (4:11 p.m. GMT), the highest since June 2013.
🌟💰 The shiny yellow metal is crushing it this year! Prices have skyrocketed 22% 🚀
VIDEO: Why invest in silver? What could the silver price do as banking falters and inflation roars?
I've always been fascinated by the unique qualities of gold. Despite its limited practical uses, humans have placed an almost obsessive value on this precious metal, making it a mainstream financial asset. However, when we consider silver, we encounter an even more fascinating element that only partially acts as a store of value.
For decades, gold has reigned supreme, with the gold/silver price ratio soaring to over 100 during the COVID era, compared to below 30 in 1973. This remarkable trend begs the question: could silver overtake gold in the future?
While gold is primarily used as a store of value, silver's value is driven by both its industrial demand and its store of value status. This insight sparks exciting possibilities for the future of silver as we continue to discover new ways to leverage its unique properties.
Hydrogen Stocks: 9 Biggest Companies in 2023
Green hydrogen is fueling strong global growth as green technology moves closer Grand View Researchprojects that the global green hydrogen market will grow at a CAGR of 39.5 percent from 2022 to 2030 to reach US$60.56 billion.
As green technology moves towards mainstream, demand for clean hydrogen as a clean energy source is expected to drive the market. The demand for green hydrogen has risen owing to its usage as a fuel in transportation.
Hydroelectric power generation accounted for 73 percent of the world’s power capacity in 2017, according to the World Energy Council.
💚💦💰🚀🌎
Crude oil price forecast: demand and supply points to more pain
The price of crude oil soared on Wednesday, driven by a heightened awareness of the importance of maintaining a stable supply. Reflecting this trend, West Texas Intermediate (WTI), the American benchmark, rose for the third consecutive day, reaching an impressive $73.75. Similarly, Brent saw a significant increase, rising to $78.50, which was a few points above the previous week's low of $70.40.
Interestingly, the main catalyst for this surge in crude oil prices was a landmark ruling made by the International Court of Arbitration in France. The ruling ordered Turkey to pay Iraq about $1.5 billion in a long-standing crisis, which was a clear indication that the global community is taking a stand for justice.
Couple this with Opec+ reducing supply by a 1Million barrels day and oil could skyrocket, causing several ripples across all industries.
📈💰💸 Crude oil prices are on the rise again! ⛽️🔥
NASDAQ 100 is on track for more gains as it enters bullish market territory
As the first quarter of the year draws to a close, the stock market is showing promising signs of growth. With only two trading sessions remaining, the NASDAQ 100 index has surged over 20% from its December lows, officially entering bull market territory. This trend is encouraging as historical data suggests that when the S&P 500's Q1 low surpasses the December low, the market generally sees greater gains, with an average full-year return of 18.6%. What's even more impressive is that this strong rally has occurred despite the Federal Reserve tightening financial conditions in 2023.
💪📈. Let's keep the good times rolling 🙌.
Charles Schwab receives a rare downgrade as outflows rise
Charles Schwab, a leading broker and bank, has recently faced a rare downgrade by a Morgan Stanley analyst. Michael Cyprys cautioned that the firm's low-interest accounts were experiencing a higher rate of outflows than anticipated, leading to a reduction in his rating for the stock from overweight to equal weight. The Schwab stock target was also lowered from $99 to $68.
On top of that, the company has unrealized losses worth over $29 billion because of holding $150 billion worth of debts with a weighted average yield of 1.75%, with $114 billion maturing in the next decade. 😩
Trillions at Stake: Let’s Bring Back the Resolution Trust Company
Is real estate the next shoe to drop, or can the well-publicized risks be hedged?
The trickle-down could have significant effects on inflation and how we run through the inevitable recession.
The bottom line: can, or should, the government reset the rules for real estate debt, so it holds Humpy Dumpty together?
In the ETF [...]
The post Trillions at Stake: Let’s Bring Back the Resolution Trust Company appeared first on ETF Trends.
2 Reasons Why Advisors Are Using NightShares ETFs
Financial experts are empowering their clients with NightShares ETFs, a game-changing investment solution that offers both strong equity returns and non-correlated asset exposure. The power of the night effect cannot be underestimated, as it has historically provided significant gains while avoiding major losses.
This unique phenomenon has been captured in NightShares' innovative ETF offerings, including the NightShares 500 ETF (NSPY), the NightShares 2000 ETF (NIWM), and the NightShares 500 1x/1.5x ETF (NSPL). By embracing this cutting-edge approach, investors can unlock the full potential of their portfolios and achieve their financial goals with greater ease and confidence.
Equities ETFs Tumble, Real Estate ETFs Flow Back Up
When we dive deeper into the world of real estate ETFs, we discover some exciting trends. The Schwab US REIT ETF (SCHH) has been receiving consistent inflows throughout this year, adding a whopping $64 million in the last month alone, and $10.7 million in the last five days. These numbers have contributed towards the overall category growth of $121 million for the week ending Tuesday.
Another ETF that has caught our attention is the VanEck Mortgage REIT Income ETF (MORT). It has been experiencing solid inflows as part of the overall real estate ETF flows, and has added $2.9 million in the last month, and $11.8 million over the last three months. With a tracking capacity for the MVIS US Mortgage REITs index, it charges 41 basis points.
DISCLAIMER: None of this is financial advice. This newsletter is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and do your own research.
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