The Daily Editor

“Interest rates are rising, but it might not really affect me…” Are you thinking that?

The era of zero interest rates that lasted for many years has come to an end, and the Japanese economy is now at a major turning point. In conclusion, if you remain without any countermeasures, the risk of your household finances being rapidly squeezed due to stagnant wage growth and a sharp increase in mortgage burdens will become extremely high.

 » Read more about: What Happens When Interest Rates Accelerate? The Absolute Gap Between Those Who Lose and Those Who Grow Their Assets in a 'World with Interest Rates'  »

Look at the instruments, not the headlines. This is the Shiometer.

Over the weekend, a post by President Trump on X to the effect that ‘Monday will be the best day to buy tech stocks’ has become a hot topic.

In the U.S. on Friday, the semiconductor stock index (SOX) was -7.20% and Intel was -28.6%.

 » Read more about: Trump: 'Monday is the best day to buy tech stocks.' Is this remark a signal to buy, or just a cheer? Two companies selected by instruments, not posts, the week after Intel's …  »

 » Read more about: Tesla's Progress Still Falls Short Of Its Price  »

Particularly when it comes to claiming Social Security benefits, retirement is rarely as simple as it sounds. One wrong decision could end up costing U.S. retirees hundreds – or even thousands – of dollars each month.

The Social Security Administration (SSA) explains that workers must earn 40 credits to qualify for retirement benefits.

 » Read more about: Social Security’s fine print: What is the income rule that can reduce your monthly benefits payment?  »

Agarwal says the difference between the two options becomes clearer over longer periods, but investors should also keep the risks in mind. “Over 15 years, Rs 1 lakh in an equity fund could grow to roughly Rs 3.9-5.1 lakh after tax at assumed returns of 10-12 per cent a year, against an effective Rs 3.4 lakh from prepaying.

 » Read more about: Diwali Bonus: Should You Prepay Your Home Loan Or Invest In Mutual Funds?  »

The FBI has accused North Korea of orchestrating the theft of more than $6 billion in virtual assets from cryptocurrency exchange Binance in what appears to be one of the largest publicly attributed cryptocurrency hacks to date.

In a cyber alert released Saturday, the bureau said the attack occurred on or about October 29.

 » Read more about: FBI Says North Korea Behind $6 Billion Binance Crypto Theft  »

 » Read more about: Index vs actively managed funds: What's better for new investors?  »

 » Read more about: Berkshire Hathaway Shares Just Rallied to Their Highest Level Since Warren Buffett Announced He Would Step Down as CEO, Closing Within 1.5% of Their All-Time High. Does That …  »

Kioxia’s current stock price reflects a rather harsh assessment regarding the sustainability of its recent high profitability. However, it cannot be said that the market is wrong simply because the stock is cheap, nor that the market has correctly foreseen a future decline in earnings simply because the stock price is falling. What is important is to consider what level of profit decline,

 » Read more about: Kioxia's Financial Results and the Debate on Stock Market Valuation  »

What does it mean to “believe in 15 years” with index fund investing?

“Set up your automatic investments and forget about them.

 » Read more about: Why can you keep up with passive investing? The reason you can 'believe in 15 years from now'  »