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This tech company grew 32,481%
No, it’s not Nvidia… It’s Mode Mobile, 2023’s fastest-growing software company, according to Deloitte. And you can invest for just $0.26/share.
Mode’s flagship product, the EarnPhone, has already helped consumers earn and save $325M+ through simple, everyday use. That led to 32,481% revenue growth and a presence in 170+ countries.
And with a market worth over $1 trillion and partnerships with Walmart and Best Buy, Mode’s not stopping there. They even recently reserved the Nasdaq ticker $MODE.
Even better? You can unlock up to 20% bonus stock as a Mode Mobile investor today. But don’t wait.
THE MONEY IDEA💡
Four Investing Strategies to Consider Now (Bonus)
Welcome, we are {{active_subscriber_count}} Money Masters and counting!
Markets may shift from week to week, but the smartest investors focus on strategies that last. In this bonus edition we highlight four proven approaches from Morningstar’s Christine Benz that can strengthen portfolios, reduce risk, and build lasting wealth. These ideas are not about chasing headlines but about creating resilience right now.
Let’s dive in.
THE MONEY IDEA💡
Four Investing Strategies to Consider Now (Bonus)
Bottom Line: U.S. equities are fully priced after years of strong performance, and complacency is now the biggest risk investors face.
Long Stretch – U.S. stocks have delivered returns far above historical norms over the past decade, leaving little margin for error.
Tariff Impact – New data shows households are starting to pull back on spending as trade costs ripple through the economy.
Hidden Vulnerability – A weaker jobs report in early August hinted at slowing growth that could threaten equity momentum.
Retirement Risk – Investors over 50 should begin layering in bonds and cash, since retirement often comes sooner than expected.
Sentiment Warning – Investor optimism remains high, which historically has signaled more limited upside ahead.
Do This Next: Rebalance by trimming U.S. equity exposure and redeploying into international stocks or fixed income.
Bottom Line: Despite their rebound in 2025, international equities remain undervalued with multiple tailwinds for patient investors.
Valuation Edge – Non-U.S. stocks continue to trade at cheaper earnings multiples than comparable U.S. companies.
Income Boost – Dividend yields overseas are consistently higher, adding income potential for retirement portfolios.
Cyclical Pattern – Past cycles of outperformance have lasted years, not months, giving international stocks room to run.
Dollar Tailwind – A weaker U.S. dollar has boosted foreign equity performance and could remain a key driver.
Investor Hesitation – Many investors remain underweight abroad, creating an opportunity to build positions before sentiment shifts.
Do This Next: Increase exposure through broad international index funds or ETFs to diversify and capture advantages in valuation.
Bottom Line: Dividend-paying stocks are valuable for income and stability, but retirees should pair them with safer assets for balance.
Stability Factor – Companies with steady dividends often have stronger financials and greater resilience in downturns.
Income Appeal – Dividends provide comfort for retirees by replacing lost paychecks with a regular cash stream.
Volatility Buffer – Dividend stocks historically fall less during bear markets than non-dividend payers.
Risk Reminder – Even reliable firms can cut payouts, as banks did during the 2008 financial crisis.
Growth Angle – Dividend growth ETFs like Vanguard Dividend Appreciation (VIG) blend income with high-quality businesses.
Do This Next: Use dividend growth funds as part of equity exposure but supplement with cash and bonds to safeguard retirement income.
Bottom Line: Rising yields make bonds more attractive than they’ve been in over a decade, providing both income and stability.
Yield Reset – Ten-year Treasury yields around 4.2% set the stage for stronger long-term returns than in recent history.
Cushion Effect – Higher income helps offset price declines if rates rise, reducing the risk of large principal losses.
Ladder Strategy – A bond ladder can lock in predictable income streams and reduce reinvestment risk.
Policy Flexibility – Higher yields give the Fed room to cut rates if the economy weakens, adding a safety net.
Investor Sentiment – While bonds are still unloved, the math now supports better forward-looking performance.
Do This Next: Begin adding short to intermediate-term bonds to protect your portfolio against volatility.
Serious about your money? See our guides on investing and building wealth.
ACTION PLAN✅
Let’s Make Money Today!
Rebalance Abroad: Shift 2–5% from U.S. equity funds into a broad international ETF to reduce U.S. exposure.
Build a Bond Ladder: Stagger maturities or add an intermediate Treasury fund to lock in yields and smooth cash flows.
Simplify the Core: Consolidate overlapping funds into one total U.S. market ETF and one total international ETF for low-cost diversification.
Dividend Growth Add‑on: Start a position in a dividend growth ETF such as VIG to boost quality income without overrelying on yield.
One‑and‑Done Review: Put your annual portfolio checkup on the calendar now and avoid making changes until then.
We also keep a short list of other newsletters that consistently deliver smart, actionable ideas on money, work, and wealth building.
See our curated picks here for fresh perspectives worth your time.
QUOTE CORNER📄
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The Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.