Integrity RIA

Check out the following ETF’s YTD return as of 12/29/25

Silver. SLV. +149.75

Gold. GLD. +64.84%

Copper. ICOP. +73.32%

Nadaq. QQQ. 21.45%

S and P 500. VOO. 16.93%

Russell 2000. IWM. 13.23%

Bitcoin. BTC. -5.94%

XRP. XRP. -14.20%

Ethereum. ETH. -10.73%

Alt coins. -35%

Source: Yahoo finance.

WISER WITH AGE

One-third (33%) of middle-class Americans over 70 say they have “a lot” of working knowledge about personal finance — compared to less than 18% of those in their 40s and 50s.

Nearly half (47%) of middle-class Americans in their 70s also use a financial advisor, compared to less than 30% in their 40s and 50s.

Source: “Transamerica”

STUCK IN A RANGE

Between 10/13 and 10/23, the S&P 500 didn’t move outside of the 3.2% intraday range set on 10/10.

Over the last 40 years, there have been only four other periods where the index traded within a prior day’s range for nine consecutive trading days.
Each of those times, the market was higher three months later.

Source: “Bespoke”

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TAKING PROFITS

26 stocks in the Russell 3000® rose more than 150% from the end of July through mid-October (10/14).

From 10/14 to 10/22, however, those same stocks fell an average of 19.3% as investors took profits and rotated out of highly speculative areas such as rare earths, quantum, nuclear, and crypto.

Source: “Bespoke”

💰 HIDDEN TAX BURDEN

Americans will spend 7.1 billion hours on IRS compliance in 2025.

That’s the equivalent of 3.4 million full-time workers and $400 billion in lost productivity — plus $150 billion in out-of-pocket costs just to comply with the tax code.

Source: “Tax Foundation”

💉 A SHOT IN THE ARM

Pfizer’s new direct-to-consumer drug plan just gave healthcare stocks a boost.

After Pfizer (PFE) announced discounted drugs via its new site, the S&P 500 Pharma, Biotech & Life Sciences Group surged 9.3% in two days.

It’s one of the largest two-day rallies since 1990, seen only in 2000, 2002, and 2008.

Source: “Bespoke”