David Beren, Author at 24/7 Wall St.

An older Caucasian woman with blonde hair, wearing a grey cable-knit sweater, looks worried and gestures with her left hand while an older Caucasian man with grey hair and a beard, wearing a plaid shirt, intently reads a document. They are seated at a glass table in what appears to be a modern kitchen or dining area, with a black wheelchair partially visible to the woman's left.

8-in-10 Americans Expect High Healthcare Costs in Retirement, and Fidelity’s 2026 Study Shows How They’re Responding

Healthcare in retirement has become the single highest cost Americans cannot reliably predict, and the anxiety around it is now mainstream. Fidelity’s 2026 retirement study finds that 8 in 10 Americans expect high healthcare…

David Beren · 5 months ago

A person viewed from behind works at a multi-monitor computer setup in a dark room, surrounded by glowing blue screens displaying complex data visualizations, global maps, charts, and metrics. Their right hand touches a holographic 'AI' globe, while a laptop with digital currency symbols is open on the wooden desk, emphasizing technology-driven data analysis and cybersecurity operations.

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 · 5 months ago

A middle-aged woman with light brown hair, wearing a blue sweater, sits at a white table. She holds and reads a white paper document with a concerned expression, resting her left hand on her chin. A laptop, a calculator, a yellow mug, and notebooks are on the table next to her. In the background, a light-colored kitchen and a window are visible.

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 · 5 months ago

A close-up of a person's hand holding a black smartphone, from which a glowing, holographic projection emanates. The projection displays large yellow letters 'ETF', a prominent yellow upward-pointing arrow, and blue bar charts. To the right of the letters is a gold coin embossed with a dollar sign. In the blurred, dark blue background, a stock market candlestick chart with red and blue bars, along with green and red trend lines, is visible. The scene evokes digital finance and investment strategy.

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 · 5 months ago

A close-up, angled view of financial charts printed on white paper. The charts display blue and red candlestick patterns, along with blue, pink, and green trend lines against a subtle grid. The word 'DIVIDENDS' is prominently written in large black capital letters across the lower-left corner. A black calculator is partially visible in the upper right, and a black pen with a gold tip rests on the paper in the lower right.

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 · 5 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 · 5 months ago

A pink piggy bank sits on a gray surface to the left of a roll of U.S. dollar bills tied with twine. To the right of the money roll is a rectangular light brown wooden sign with the words 'RETIREMENT FUND' written in bold white letters. The background is a solid gray.

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 · 5 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 · 5 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 · 5 months ago

A smiling African American couple, an older man and woman, are seated at a light wooden table, looking down at papers they are holding together. The man is wearing a blue button-up shirt over a white t-shirt, and the woman has a colorful, patterned short-sleeved shirt. Glasses and a smartphone are on the table next to them, and a bright living space with large windows is visible in the background.

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 · 5 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 · 5 months ago

A person with dark, disheveled hair, seen from the side, sits at a desk in a dimly lit room with red lighting. Their right hand is pressed against their forehead, conveying distress or intense thought, as they stare at a computer monitor. The monitor displays a vivid red candlestick chart showing a steep and continuous downward trend. On the desk, a keyboard, mouse, and a digital clock displaying '77 °F' are visible.

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 · 5 months ago

Stacks of hundred dollar bills on a calculator with a percentage sign showing wealth accumulation and high returns.

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 · 5 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 · 5 months ago

David Beren

8-in-10 Americans Expect High Healthcare Costs in Retirement, and Fidelity’s 2026 Study Shows How They’re Responding

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