The article outlines the current state of Series I U.S. Savings Bonds, which offer a 3.11% composite rate as of November '24, reflecting a decrease in inflation rates compared to previous periods. It explains the tax implications for investors, especially those who purchased I Bonds at higher rates.

Stocks finished October lower as investors navigated Q3 earnings, the upcoming election, and uncertain Federal Reserve policy. The S&P 500 posted its first monthly loss since April, lowering its year-to-date return to +20.7%. Large-cap stocks slightly outperformed small-cap stocks.

The recent volatility has been a notable change from the first half’s steady climb, with the S&P 500 at one point -8% below its all-time high from mid-July. History shows that stock market drawdowns are a natural part of investing.

The S&P 500 Index returned +1.2% in July, underperforming the Russell 2000 Index’s +10.3% return. Ten of the eleven S&P 500 sectors traded higher, led by Real Estate, Utilities, and Financials. Technology was the only sector to trade lower, reversing a portion of its rise in the first half of 2024.

A single stock has contributed over one-third of the S&P 500’s total return, which means its inclusion or exclusion in different market indices has made a big difference.

This article will delve into what private lending funds are and how they can benefit investors willing to loan out capital. These funds provide a way for wealthy individuals or organizations to loan money to investors who purchase and renovate properties for resale or rental.