David Beren, Author at 24/7 Wall St.

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QQQ vs. VGT: The Best Way to Own Big Tech?

The Invesco QQQ Trust (NASDAQ:QQQ) and the Vanguard Information Technology ETF (NYSEARCA:VGT) are often shoved into the same “own Big Tech” bucket, but they answer different questions. QQQ tracks the Nasdaq-100, a listing-based index…

David Beren · 4 months ago

A senior woman with blonde and gray hair, wearing a light blue sweater, sits at a white table in a bright kitchen. She holds a white document in her left hand and rests her chin on her right hand, looking intently at the paper with a concerned or thoughtful expression. On the table are a laptop, a light yellow mug, a black calculator, and notebooks. The background shows modern white kitchen cabinets and a window with plants.

Nearly 1-in-3 Americans Don’t Know How Much They’ll Have Saved by Retirement, Fidelity’s 2026 Study Reveals

Fidelity’s 2026 retirement study landed with an optimistic surface read, as 74% of Americans say they have a retirement plan in place. The quieter finding sits underneath: 31% of Americans don’t know how much…

David Beren · 4 months ago

A person's hand holds a black smartphone, above which a glowing white circular platform projects a yellow 3D 'ETF' text alongside a dollar sign coin and an upward-trending yellow arrow against blue bar graphs. The blurred background features a dark financial market chart with red and blue candlesticks, a green moving average line, and red indicators, suggesting market activity.

JEPI vs. JEPQ: Which High-Yield Income ETF Deserves Your Cash?

The JPMorgan Equity Premium Income ETF (NYSEARCA:JEPI) and the JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ:JEPQ) come from the same issuer, run the same covered-call playbook, and charge an identical 0.35% expense ratio. That…

David Beren · 4 months ago

A close-up, high-angle shot of a financial candlestick chart displayed on white grid paper. The word 'DIVIDENDS' is printed in large, bold black letters across the lower left. The chart features blue and red candlesticks, along with various trend lines in shades of blue, pink, and green. A black pen rests diagonally across the lower right portion of the paper, with its tip pointing towards the center. Part of a black calculator is visible in the upper right, casting a soft shadow.

SCHD vs. VYM: Which Dividend ETF Builds a Better Income Stream?

Both Schwab U.S. Dividend Equity ETF (NYSEARCA:SCHD) and Vanguard High Dividend Yield Index Fund ETF (NYSEARCA:VYM) appear similar on screeners, but their income delivery and market positioning differ fundamentally. SCHD runs a quality screen…

David Beren · 4 months ago

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Fidelity’s 2026 Retirement Study Says 7-in-10 Americans Would Skip Traditional Retirement for Gig Work, a Business, or a New Career

Fidelity’s 2026 Retirement Study describes a meaningful shift in how Americans picture their later working years. The traditional model, in which workers fully exit the labor force in their mid-60s, is becoming less common.…

David Beren · 4 months ago

A pink piggy bank, a roll of U.S. dollar bills tied with twine, and a rectangular wooden sign inscribed with "RETIREMENT FUND" in white capital letters are arranged on a solid gray surface against a matching gray background.

The Average American Has Worked for 6 Employers and 23% Still Have Multiple Old Retirement Accounts, Fidelity’s 2026 Study Finds

The typical American worker now passes through six employers over a career, and each job change leaves behind a retirement account to keep track of. Fidelity’s 2026 study found that 23% of Americans with…

David Beren · 4 months ago

Social Security Card, benefits statement and 100 dollar bills. Social security funding, payment, retirement and federal government benefits concept

Fidelity’s 2026 Study: 76% of Boomers Are Counting on Social Security While Younger Generations Lean on Workplace Plans

Fidelity’s 2026 retirement study draws a clear line between generations based on where they expect their retirement income to come from. The data begins with the finding that 76% of Boomers list Social Security…

David Beren · 4 months ago

Fidelity’s 2026 Study: Americans With a Retirement Plan Are More Than 2 Times as Likely to Feel Confident About Their Future

Fidelity’s 2026 Retirement Planning Study lands at a moment when Americans have plenty to be anxious about. The University of Michigan Consumer Sentiment Index sat at 49.8 in April 2026, deep in recessionary territory…

David Beren · 4 months ago

A smiling older Black man in a blue shirt and an older Black woman in a colorful patterned shirt sit at a wooden table, looking at financial documents together. The man holds a pen and looks at the papers, while the woman holds the documents. Glasses and a smartphone are on the table. The background shows a bright, modern living space with windows and plants.

Fidelity’s 2026 Retirement Study Finds Men Are 18 Points More Confident Than Women About Retiring on Their Terms

Fidelity’s 2026 Retirement Study captures a confidence gap that arrives years before any account statement confirms it. Men report 81% confidence in retiring on their own terms, while women report 63%. This 18-percentage-point gap…

David Beren · 4 months ago

A close-up shot of a crumpled and torn U.S. one-dollar bill. A jagged, irregular tear in the center of the bill exposes a clean white background, upon which the bold black letters 'E.T.F.' are clearly printed. The green and white patterns of the dollar bill are visible around the tear and along its edges, with some parts curled inward. Details such as 'FEDERAL RESERVE NOTE,' 'THE UNITED STATES OF AMERICA,' and 'ONE DOLLAR' are partially visible, along with the serial number 'G 11885479 F' and the seal of the Federal Reserve Bank of Chicago (G).

YieldMax MSTY Returned More Than Half Your Capital in a Single Quarter and Most Holders Think It Was Income

A 41-year-old investor puts $25,000 into the YieldMax MSTR Option Income Strategy ETF (NYSEARCA:MSTY) because the fund advertises a yield north of 100%. Three months later, the distributions show up on schedule, but the…

David Beren · 4 months ago

A person with dark hair, visible from the side, leans forward with their hand on their head, appearing distressed. They are in a dimly lit room, with a red glow emanating from a computer monitor displaying a red candlestick chart that shows a steep market decline. A keyboard and other desk items are visible on the desk.

34% of Americans Panic-Sell During Market Drops. The Cost: 27% in Missed Gains

A new behavioral finding from the Allianz Center for the Future of Retirement’s 2026 Annual Retirement Study shows that 34% of Americans typically withdraw money from investments to avoid further losses during a significant…

David Beren · 4 months ago

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Forget SCHD: DGRO’s Looser Quality Filter Has Quietly Delivered Higher Total Returns Over the Last Decade

For a 59-year-old pre-retiree sitting on a six-figure dividend core, the choice between iShares Core Dividend Growth ETF (NYSEARCA:DGRO) and Schwab U.S. Dividend Equity ETF (NYSEARCA:SCHD) usually gets framed as a yield contest. SCHD…

David Beren · 4 months ago

OMAH Now Holds $1.7 Billion in Berkshire Style Stocks and It Just Hit 15 Percent Returns Without Buffett Buying a Thing

VistaShares Target 15 Berkshire Select Income ETF (NASDAQ:OMAH) targets a specific investor: the retiree who wants Warren Buffett’s playbook without Berkshire’s $300 billion-plus cash drag and needs monthly income. OMAH holds Berkshire-style blue chips…

David Beren · 4 months ago

David Beren

QQQ vs. VGT: The Best Way to Own Big Tech?

Nearly 1-in-3 Americans Don’t Know How Much They’ll Have Saved by Retirement, Fidelity’s 2026 Study Reveals

JEPI vs. JEPQ: Which High-Yield Income ETF Deserves Your Cash?

SCHD vs. VYM: Which Dividend ETF Builds a Better Income Stream?

Fidelity’s 2026 Retirement Study Says 7-in-10 Americans Would Skip Traditional Retirement for Gig Work, a Business, or a New Career

The Average American Has Worked for 6 Employers and 23% Still Have Multiple Old Retirement Accounts, Fidelity’s 2026 Study Finds

Fidelity’s 2026 Study: Americans With a Retirement Plan Are More Than 2 Times as Likely to Feel Confident About Their Future

Fidelity’s 2026 Retirement Study Finds Men Are 18 Points More Confident Than Women About Retiring on Their Terms

YieldMax MSTY Returned More Than Half Your Capital in a Single Quarter and Most Holders Think It Was Income

34% of Americans Panic-Sell During Market Drops. The Cost: 27% in Missed Gains

Forget SCHD: DGRO’s Looser Quality Filter Has Quietly Delivered Higher Total Returns Over the Last Decade

OMAH Now Holds $1.7 Billion in Berkshire Style Stocks and It Just Hit 15 Percent Returns Without Buffett Buying a Thing

If You Hold This 20 Year Treasury ETF You Are Losing Money Even With Yields Up

49% of Divorced Americans Say It Derailed Retirement, Here’s Why the Timing Matters Most

The Savings Habit That Won’t Shut Off: Why 39% of Retirees Hoard Their Wealth

58% of Americans Think a 401(k) Balance Is Enough. 48% Have No Plan to Use It.

Forget GLD: GLDM Tracks the Exact Same Bullion at One Quarter the Annual Cost

57% Say They Haven’t Saved Enough, and the Data Confirms It

SCHD’s $85 Billion Strategy Now Concentrates 41 Percent of Your Money in Just Ten Stocks