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    <description>Newsjay covers stocks, including Investing, Stocks and Portfolios, with clear reporting, context, and practical guides.</description>
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      <title>What an Expense Ratio Really Costs Over Thirty Years</title>
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      <description><![CDATA[A 0.50% expense ratio versus 0.03% can mean roughly $9,400 less on a $10,000 investment over 30 years. Here is how fund fees compound, with the math and sources.]]></description>
      <pubDate>Fri, 28 Aug 2026 08:56:03 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>Most Active Large-Cap Funds Still Trail the S&amp;P 500</title>
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      <description><![CDATA[About 88% of active U.S. large-cap funds underperformed the S&P 500 over 15 years through December 2023, per the SPIVA scorecard — fees and cash drag explain much of the gap.]]></description>
      <pubDate>Wed, 26 Aug 2026 08:56:02 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>How Often Should You Rebalance a Long-Term Portfolio?</title>
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      <description><![CDATA[Vanguard's 1960–2018 research found annual and 5%-threshold rebalancing performed nearly identically. Here is how to pick a rule and stick to it.]]></description>
      <pubDate>Mon, 24 Aug 2026 08:56:01 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>How S&amp;P 500 Index Additions and Deletions Actually Work</title>
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      <description><![CDATA[There is no fixed date when stocks rotate into the S&P 500 — a committee decides case by case, and decades of research show the price bump that once followed an addition has largely disappeared.]]></description>
      <pubDate>Sun, 23 Aug 2026 08:47:22 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Stocks</category>
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    <item>
      <title>How Does SIPC Protect Investors When a Brokerage Fails?</title>
      <link>https://newsjay.com/portfolios/how-does-sipc-protect-investors-when-brokerage-fails.html</link>
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      <description><![CDATA[SIPC replaces missing cash and securities up to set limits when a member brokerage collapses, but it never insures against a market decline.]]></description>
      <pubDate>Fri, 21 Aug 2026 08:47:21 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>How Portfolio Rebalancing Works, and What It Actually Fixes</title>
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      <description><![CDATA[Rebalancing does not chase higher returns. It resets a portfolio to the risk level an investor originally chose, and the evidence shows most of its benefit comes from staying disciplined, not from trading often.]]></description>
      <pubDate>Wed, 19 Aug 2026 08:47:20 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>What Stock Market Circuit Breakers Actually Do When Prices Plunge</title>
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      <description><![CDATA[The automatic halts have triggered only twice since 1997, and research suggests they can raise volatility as much as they calm it.]]></description>
      <pubDate>Mon, 17 Aug 2026 08:47:19 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>How the Wash-Sale Rule Actually Works, and What Counts as Substantially Identical</title>
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      <description><![CDATA[A mistimed repurchase can quietly erase a tax loss an investor was counting on. Here is how the IRS defines the window, and where the disallowed loss actually goes.]]></description>
      <pubDate>Sat, 15 Aug 2026 08:47:18 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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      <title>What SIPC Protection Actually Covers When a Brokerage Firm Fails</title>
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      <description><![CDATA[The $500,000 limit protects the securities in an account against a failed brokerage, not against a falling market. Here is where the line sits, and how a liquidation proceeds.]]></description>
      <pubDate>Fri, 14 Aug 2026 08:47:17 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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    <item>
      <title>How Stock Buybacks Work, and Why They Move Earnings Per Share</title>
      <link>https://newsjay.com/finance-news/how-stock-buybacks-work-and-why-they-move-earnings-per-share.html</link>
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      <description><![CDATA[A plain-language look at how companies repurchase their own shares, the disclosure rules and federal tax now attached to that practice, and what the current pace of buybacks means for a long-term investor.]]></description>
      <pubDate>Wed, 12 Aug 2026 08:47:16 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Finance News</category>
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    <item>
      <title>How to Read Your Brokerage 1099 Forms Correctly</title>
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      <description><![CDATA[1099-DIV, 1099-B, and 1099-INT arrive in one envelope — and corrections follow through March. What each form reports and the February checks that matter.]]></description>
      <pubDate>Mon, 10 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Finance News</category>
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      <title>Why Most Actively Managed Funds Underperform the S&amp;P 500 Long Term</title>
      <link>https://newsjay.com/markets-news/why-most-actively-managed-funds-underperform-s-p-500-long-term.html</link>
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      <description><![CDATA[New SPIVA and Morningstar data show the share of active managers beating the index shrinks the longer you measure — and cost is the main reason why.]]></description>
      <pubDate>Mon, 10 Aug 2026 08:47:15 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>The Fed Held Again in July 2026, Extending the Pause</title>
      <link>https://newsjay.com/markets-news/the-fed-held-again-in-july-2026-extending-the-pause.html</link>
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      <description><![CDATA[The Fed's July 28-29, 2026 meeting held the funds rate at 3.50-3.75% — every meeting of the year so far — as inflation recedes from May's 4.2% peak.]]></description>
      <pubDate>Wed, 05 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>Asset Location: Which Accounts Should Hold Which Funds</title>
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      <description><![CDATA[Bonds in tax-deferred, index equity in taxable, highest growth in Roth — asset location adds tens of basis points a year at zero cost and zero risk.]]></description>
      <pubDate>Sat, 01 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>How to Read Insider Trading Form 4 Filings</title>
      <link>https://newsjay.com/stocks/how-to-read-insider-trading-form-4-filings.html</link>
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      <description><![CDATA[Form 4 shows insider purchases and sales within two business days — code P buys carry the modest signal. Codes, patterns, and 10b5-1 plans, explained.]]></description>
      <pubDate>Mon, 27 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Stocks</category>
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      <title>What Compounding Actually Looks Like in an Index Fund</title>
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      <description><![CDATA[The final decade of a 40-year index holding adds more than the first three combined — hypothetical $10,000 grows to ~$453,000 at the historical average.]]></description>
      <pubDate>Thu, 23 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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      <title>First Half 2026: Broad Stock Gains, Flat Bonds</title>
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      <description><![CDATA[S&P 500 +9.6% and Nasdaq +12.8% in H1 2026 while core bonds returned 0.6% — a rough Q1 erased by a broad Q2 rebound. The recap for long-term investors.]]></description>
      <pubDate>Sat, 18 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Finance News</category>
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      <title>How to Read the Fed&apos;s Dot Plot Without Overreading It</title>
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      <description><![CDATA[The dot plot charts nineteen officials' rate views — the median moves markets, the record argues caution. Three readings that survive scrutiny.]]></description>
      <pubDate>Tue, 14 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>The Real Risk of a Concentrated Single-Stock Position</title>
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      <description><![CDATA[One stock at 20% of a portfolio can erase years of growth in a day. The concentration arithmetic, the Enron lesson, and unwinding a big position.]]></description>
      <pubDate>Thu, 09 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Samuel Achebe</dc:creator>
      <category>Portfolios</category>
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      <title>What Happens to Your Shares When a Stock Is Delisted</title>
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      <description><![CDATA[Delisted shares survive — but move to thin OTC markets, and bankruptcy can cancel them. The two paths off an exchange, and what holders should do.]]></description>
      <pubDate>Sun, 05 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Stocks</category>
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