News Direct

Author: Jing Pan

  • ‘I want tangible assets’: Vince Vaughn reveals the money moves he made to protect and grow his US$75 million net worth. Here’s what you can learn

    ‘I want tangible assets’: Vince Vaughn reveals the money moves he made to protect and grow his US$75 million net worth. Here’s what you can learn

    Vince Vaughn made a name for himself in Hollywood by starring in some of the biggest comedies of the 2000s. But instead of squandering his success, Vaughn took a different path: protecting his earnings through smart investments.

    “I was fortunate to make money at my profession, and I didn’t want to lose it,” he explained in an interview with business coach JT Foxx.

    Unlike many of his colleagues, Vaughn took an active interest in managing his finances, noting, “There were so many actors I knew who were intimidated and didn’t deal with it.”

    Vaughn took the initiative, making his first major investment in gold.

    “So I thought, I want tangible assets. First, I bought some gold, but there’s no passive income off of it,” he recalled.

    Gold is indeed a tangible asset and a well-known hedge against inflation. The reason is simple: unlike fiat currencies, the precious metals, can’t be printed in unlimited quantities by central banks.

    However, as Vaughn discovered, gold doesn’t generate income on its own.

    To create that steady income stream he was after, Vaughn turned to real estate.

    “So I just started to buy some small buildings that I could rent out,” he said. “And I knew that the buildings would go up in price [and] I’d have some money coming in passively from it.”

    Earn passive income from real estate

    By purchasing small rental buildings, Vaughn tapped into two powerful advantages of real estate: passive income and the potential for appreciation.

    As tenants pay rent, he collects income that doesn’t require daily work. Plus, because property values and rental income tend to rise alongside the cost of living, real estate serves as a reliable hedge against inflation.

    However, there are different avenues to take when investing in real estate. These include:

    • Investing in real estate crowdfunding platforms: Real estate crowdfunding allows investors to pool their money to invest in larger projects without the need for direct property ownership. Platforms connect investors with developers looking to fund residential and commercial properties. This passive approach lets you benefit from real estate appreciation and rental income without the responsibilities of property management.
    • REITs: A Real Estate Investment Trust (REIT) allows you to invest in real estate without buying property. REITs own and operate a range of commercial and residential properties, including office buildings, apartments, hospitals, and shopping centres. Investors earn returns through dividends and potential price appreciation.
    • Buying commercial real estate: Investing in commercial properties—such as office buildings, retail spaces, or industrial facilities—can generate steady rental income and long-term appreciation. While commercial real estate typically requires more capital and expertise than residential investments, it also offers higher returns. Investors can buy commercial properties outright, join a commercial real estate fund, or invest through a REIT specializing in commercial assets.
    • Private mortgages: With private mortgages, you essentially become the bank. You loan your money to a homeowner just like the bank would. Unlike a mortgage from one of the big banks, you can expect to earn a higher interest rate, potentially making it an attractive investment. Just remember that with a higher interest rate comes higher risk, as these borrowers may have been turned down by the big banks for good reason. You’ll want to do your own due diligence to make sure you’re investing in a trustworthy borrower and a rock-solid property.
    • Pre-sale condo assignments: A pre-sale condo assignment is when you, the investor/buyer, sell your rights to a completed condo to another buyer before the condo is complete. It’s called an “assignment” because you sign your rights to the new buyer. Condo assignments tend to be popular in hot real estate markets like Toronto and Vancouver where home prices appreciate faster than the rest of Canada.

    After his initial foray into real estate, Vaughn expanded his portfolio. He began “buying a bunch of farms” and acquired properties in Florida, targeting “areas that were getting nicer.”

    Looking back, Vaughn emphasizes the importance of continuously building knowledge and learning from each investment. “I think the more you spend time on it and get a feeling for what you think is doing well, you get better each year,” he remarked.

    Vaughn’s strategic investments have served him well. His net worth is now estimated at US$75 million, according to Yahoo.

    Gold revisited

    While gold doesn’t offer the passive income Vaughn was after, it remains a popular choice for investors as a hedge against economic uncertainty and inflation.

    Investors often turn to precious metals like gold and silver during periods of market volatility or global instability, as their value isn’t tied to any particular currency or economy. As of April 30, 2025, the price of gold is at a staggering US$3,288,58 per ounce.

    Gold is frequently considered a "safe-haven" asset because it tends to perform well when other investments, like stocks, face downturns, offering a form of insurance in an investor’s portfolio.

    There are a three ways to invest in gold in Canada, these include:

    • Buying gold stocks from the companies that mine gold
    • Buying a gold ETF that tracks the price of gold
    • Taking physical ownership of gold through coins, bars, or bullion

    While being a good hedge against inflation, gold does have certain risks that should prevent any investor from solely relying on it. It doesn’t produce income like stocks or bonds, and its price is driven by speculation rather than fundamentals. Gold can be highly volatile, with prices swinging significantly — potentially falling below CA$1,500 or spiking above CA$2,500 depending on market sentiment.

    Additionally, physical gold bars, coins, or certificates are at risk of being lost, damaged, or stolen. Secure storage adds costs, and keeping gold in your home is far from practical.

    That said, gold’s strong performance over the past two decades highlights its value as part of a diversified portfolio. The key question is how much to allocate — many advisors suggest keeping gold exposure between 5% and 10% of your total investments, depending on your financial goals and risk tolerance.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • “It Ain’t Your House!” explains Grant Cardone as the famous investor slams homeownership but real estate doesn’t have to be a bad investment

    “It Ain’t Your House!” explains Grant Cardone as the famous investor slams homeownership but real estate doesn’t have to be a bad investment

    Given how much home prices have soared recently, many homeowners may be feeling richer than ever. But real estate mogul Grant Cardone says your house isn’t a smart investment — far from it.

    In an interview with podcaster Sean Mike Kelly, Cardone called buying a home “a terrible investment.”

    That may sound ironic coming from someone known for investing in residential real estate. But Cardone was quick to explain why: “[A home] doesn’t cash flow. You don’t get big tax write-offs because of it. You have no leverage. You’re living in it. You’re paying for it. You never own it. Even when the loan is paid, you don’t own it, no, you still got to pay property taxes, still got to insure, still got to maintain it.”

    When you buy a home to live in, it’s true that it doesn’t generate any cash flow. And even once the mortgage is paid off, there are still ongoing costs: property taxes, insurance premiums, repairs and maintenance. And they can add up fast.

    For example, Ratehub did a case study of the cost of "hidden fees" that come with homeownership. For a property worth $1,128,100 with a $902,480 mortgage at 5.14% amortized over 25 years, the additional monthly costs totalled $8,532, including the mortgage payment, property tax, home insurance, utilities, internet, as well as putting money away for a home emergency fund or funds spent on maintenance/repairs. If you were to take out the mortgage cost, the total would still be $3,211 per month, or $38,532 yearly.

    Cardone says that what keeps people from recognizing the financial downsides is emotion.

    “People get emotional about their house — ‘It’s my house!’” he said. “It ain’t your house. You’re a partner in this house with the state.”

    ‘Never buy a house’ says Grant Cardone

    Cardone’s suggestion is simple: “Never buy a house, rent where you live.”

    But that doesn’t mean he’s against real estate entirely.

    “I’m not saying don’t own real estate,” he clarified. “I’m saying live in a house and pay rent. Take all the money that you would have spent on that house and invest in real estate that cash flows — that pays you every month.”

    So, what kind of real estate is he talking about?

    Cardone listed several options: “Could be retail, storage, apartment buildings like we invest in. Could be land — if you’re a farmer or rancher and you know how to get cows to cash flow, then do that.”

    Let’s break down some of these opportunities.

    Invest in retail real estate, instead

    Cardone pointed to retail real estate as one potential opportunity — but not all retail is created equal.

    With the rise of e-commerce, many brick-and-mortar stores have struggled, which can directly affect the income stream for retail property owners. That’s why selectivity is key.

    Ben Mallah, another fellow Florida-based real estate mogul, says he focuses on what he calls “essential real estate” — specifically, “retail that the internet can’t hurt” and “Amazon can’t hurt.”

    As online shopping continues to disrupt traditional retail, properties that serve everyday, in-person needs — like grocery stores and pharmacies — tend to offer more resilience. Big-box retailers may come and go, but think about your local supermarket. How long has it been in the same spot? Likely for years, if not decades. That kind of staying power is what makes grocery-anchored real estate attractive.

    Invest in residential real estate, such as apartments

    Another type of real estate Cardone suggests? Apartments — a sector he’s heavily invested in himself.

    Multifamily properties offer a key advantage: consistent cash flow. Unlike single-family homes, apartment buildings typically house multiple tenants, which helps spread out risk. If one unit sits vacant, the others can still generate income.

    Apartments also tend to be resilient during economic shifts. No matter what’s happening in the broader economy, people still need a place to live. And with elevated home prices making ownership less accessible for many Canadians, more people are turning to renting — which helps drive demand and keep occupancy rates high.

    As with retail, real estate investment platforms and REITs have made it easier than ever for everyday investors to access the apartment market.

    Invest in farmland

    Cardone also mentioned agricultural land — though with a caveat: It’s best suited for those who understand how to make it cash flow.

    While farmland isn’t as commonly discussed as retail or apartment buildings, it can be a compelling long-term investment. The logic is simple: come what may, people still need to eat.

    That consistent demand makes farmland a resilient asset, often serving as a hedge during times of economic uncertainty.

    According to Farm Credit Canada, the national average farmland value increased 9.3% in 2024. And while this represents a slower pace of appreciation from the previous year, it remains higher than the average of the last 10 years (9.1%). However, for 2025, uncertainty and volatility are expected to be significant due to potential trade disruptions at the U.S./Canada border and the fear of a looming trade war between the two nations at the behest of President Trump.

    Sources

    1. Ratehub: Monthly carrying costs when buying a home, by Jamie David (May 29, 2024)

    2. Farm Credit Canada: 2024 farmland values in Canada: Continued, steady growth (Mar 18, 2025)

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • US Pentagon chief warns of ‘real’ and ‘imminent’ threat from China — says we face ‘devastating consequences’ if Beijing takes this 1 serious step. Here’s how to protect yourself now

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    U.S. Defense Secretary Pete Hegseth has issued a stark warning to America’s allies in Asia.

    Speaking at the IISS Shangri-La Dialogue in Singapore — an annual security summit attended by ministers, military officials and business leaders — Hegseth identified China as a growing military threat to the region.

    “There’s no reason to sugarcoat it. The threat China poses is real, and it could be imminent,” he said in his first address at the forum.

    Hegseth focused his warning on Beijing’s stance toward Taiwan, making the stakes clear for the broader region.

    “To be clear: any attempt by Communist China to conquer Taiwan by force would result in devastating consequences for the Indo-Pacific and the world,” he said.

    He added that Beijing is “credibly preparing to potentially use military force to alter the balance of power in the Indo-Pacific.”

    While Hegseth emphasized that the U.S. is not seeking conflict — noting President Donald Trump’s “immense respect” for the Chinese people and their civilization — he made it clear that Washington’s resolve is unwavering.

    Don’t miss

    “We will not be pushed out of this critical region, and we will not let our allies and partners be subordinated and intimidated,” he said.

    Hegseth also called on America’s allies to step up their own military readiness, saying: “U.S. allies in the Indo-Pacific can and should quickly upgrade their own defenses.”

    In response, China’s representative at the summit accused Hegseth of making “groundless accusations.”

    “Some of the claims are completely fabricated, some distort facts and some are cases of a thief crying ‘stop thief,’” said Rear Admiral Hu Gangfeng, vice president of China’s National Defense University. “These actions are nothing more than attempts to provoke trouble, incite division and stir up confrontation to destabilize the Asia-Pacific region.”

    While Hegseth’s warning focuses on geopolitical security, tensions between major powers of the world can also carry serious financial implications. Markets tend to react swiftly to military escalations or diplomatic shocks — and investors who aren’t prepared could be left exposed.

    Here’s a look at three ways to help shield your finances amid rising global uncertainty.

    A timeless safe haven

    In times of uncertainty, few assets shine like gold — and investors are taking notice.

    Unlike fiat currencies, gold can’t be printed at will by central banks. It’s not tied to any one government or economy, making it a powerful hedge against inflation, geopolitical instability and financial system shocks. That’s why during periods of turmoil — from wars to rising deficits — investors often flock to the yellow metal, pushing prices higher.

    Lately, gold has lived up to its reputation. Over the past 12 months, the price of the precious metal has surged by more than 40%.

    Ray Dalio, founder of the world’s largest hedge fund, Bridgewater Associates, recently highlighted gold’s importance as part of a resilient portfolio.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC in February. “When bad times come, gold is a very effective diversifier.”

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to help shield their retirement funds against economic uncertainties.

    When you make a qualifying purchase with Priority Gold, you can receive up to $10,000 in silver for free.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    The 1 sector that thrives in conflict

    Hegseth has called on America’s Indo-Pacific allies to ramp up their military spending — a move that aligns with the U.S.’s own aggressive defense budget.

    According to the Stockholm International Peace Research Institute, the U.S. spent $997 billion on defense in 2024 — more than the next nine countries combined, including China.

    Periods of heightened geopolitical tension often coincide with increased military spending. For defense contractors, that can mean a surge in business — and for investors, it presents a potential opportunity.

    Defense stocks tend to gain attention when global risks rise. Companies like Lockheed Martin (NYSE:LMT), RTX (NYSE:RTX) and Northrop Grumman (NYSE:NOC) are among the biggest players in the industry.

    For broader exposure, investors can also consider ETFs like the iShares U.S. Aerospace & Defense ETF (BATS:ITA), which provides diversified exposure to the sector.

    Passive income, even in uncertain times

    Like stocks, real estate prices can fluctuate. But unlike many other assets, real estate doesn’t rely on a booming market to deliver returns.

    High-quality, income-generating properties — especially those serving essential needs — can continue to produce rental income, even during times of economic or geopolitical uncertainty. That means you don’t have to rely on price appreciation to see a payoff — the asset itself can work for you.

    Even the current U.S. commander in chief has long recognized the value of real estate.

    In a 2011 interview with Steve Forbes, Trump said, “I just notice that when you have that right piece of property, whatever it might be, including location, it tends to work well in good times and in bad times.”

    Homeshares gives accredited investors access to the $35 trillion U.S. home equity market — a space that’s historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    If you’re an accredited investor looking for larger returns through commercial real estate, First National Realty Partners (FNRP) could be a better fit with a $50,000 minimum investment requirement.

    Specializing in grocery-anchored retail, FNRP offers a turnkey solution for investors, allowing them to passively earn distribution income while benefiting from the firm’s expertise and deal leadership.

    FNRP has developed relationships with the nation’s largest essential-needs brands, including Kroger, Walmart and Whole Foods, and provides insights into the best properties both on and off-market. And since the investments are necessity-based, they tend to perform well during times of economic volatility and act as a hedge against inflation.

    You can engage with experts, explore available deals and easily make an allocation, all in one personalized, secure portal.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Jamie Dimon issued a warning about the US stock market — said ‘tariffs will likely increase inflation.’ Here’s 3 ways you can ‘crashproof’ your portfolio

    Jamie Dimon issued a warning about the US stock market — said ‘tariffs will likely increase inflation.’ Here’s 3 ways you can ‘crashproof’ your portfolio

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    President Donald Trump’s tariffs continue to drive market uncertainty while boosting the price of domestic and imported goods, and may further weigh down a beleaguered U.S. market, according to JPMorgan’s annual stakeholder letter.

    “The recent tariffs will likely increase inflation and are causing many to consider a greater probability of a recession,” Jamie Dimon, who serves as JPMorgan CEO and chairman, wrote in a letter to shareholders on April 7. “And even with the recent decline in market values, prices remain relatively high.”

    His concerns aren’t without merit.

    Don’t miss

    Trump’s latest tariff policies have battered the stock market — the S&P 500 index declined by over 10% in early April, formally entering correction territory.

    Dimon supported Trump’s tariffs in January, calling them a “little inflationary” yet imperative for national security.

    But Dimon now sees the U.S. economy weakening in the wake of Trump’s recent tariff announcements, according to that same shareholder letter.

    “The economy is facing considerable turbulence (including geopolitics), with the potential positives of tax reform and deregulation and the potential negatives of tariffs and ‘trade wars,’ ongoing sticky inflation, high fiscal deficits, and still rather high asset prices and volatility,” Dimon acknowledged.

    If you share these concerns, here are three ways to help protect your portfolio.

    Precious metals

    When markets look shaky, investors often turn to gold — and for good reason. The precious metal is seen as a store of value, offering protection against inflation, economic downturns and stock market volatility.

    As market uncertainty mounts, investors often take cover with precious metals. For instance, gold has climbed around 35% over the past year, hitting over $3,200 per ounce, while silver has posted impressive gains of around 36%, reaching over $30 per ounce.

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of American Hartford Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account — combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to potentially hedge their retirement funds against economic uncertainties.

    Even better, you can often roll over existing 401(k) or IRA accounts into a gold IRA without tax-related penalties. To learn more, get your free 2025 information guide on investing in precious metals.

    Qualifying purchases can also receive up to $20,000 in free silver.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Real estate

    Investors looking to diversify beyond stocks to shield their wealth from the impacts of rising prices brought on by tariffs might find real estate a compelling choice.

    Property values tend to rise with inflation, reflecting the increasing costs of materials, labor and land. At the same time, rental income has been shown to climb, providing landlords with a steady revenue stream that adjusts with the cost of living.

    Of course, purchasing a property requires significant capital — and finding the right tenant takes time and effort. But thanks to modern investment options, you don’t need to own a property outright to gain exposure to real estate as a financial asset.

    Platforms like First National Realty Partners allow accredited investors to own a piece of institutional-grade, grocery-anchored properties without the hassle of finding and managing property.

    FNRP properties are leased to national brands like Whole Foods, CVS, Kroger and Walmart. Thanks to triple net leases, investors can potentially collect grocery-store-anchored income without worrying about operational headaches cutting into the bottom line.

    New investing platforms are also making it easier than ever to tap into the residential real estate market.

    For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted internal returns ranging from 12% to 18%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    Fine art

    It’s easy to see why great works of art tend to appreciate over time. Supply is limited, and many famous pieces have been snatched up by museums and collectors. This makes art an attractive option for investors looking to diversify their holdings.

    In 2022, a collection of art owned by the late Microsoft co-founder Paul Allen sold for $1.5 billion at Christie’s New York, making it the most valuable collection in auction history. But for a long time, investing in art was a privilege reserved for the ultra-wealthy.

    Now, that’s changed with Masterworks — a platform for investing in shares of blue-chip artwork by renowned artists, including Pablo Picasso, Jean-Michel Basquiat and Banksy. Masterworks has had 23 successful exits to date, and every one of them has been profitable. All told, Masterworks has distributed over $60 million in proceeds back to investors, including the principal.

    To get started, simply browse their impressive portfolio of paintings and choose how many shares you’d like to buy. Masterworks will handle all the details, making high-end art investments both accessible and effortless. See important Regulation A disclosures at Masterworks.com/cd.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Ray Dalio’s ‘worse than a recession’ warning has Americans nervous — but he once revealed a ‘Holy Grail’ money strategy for times of crisis. Here’s how it works and why you should use it now

    Ray Dalio’s ‘worse than a recession’ warning has Americans nervous — but he once revealed a ‘Holy Grail’ money strategy for times of crisis. Here’s how it works and why you should use it now

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Ray Dalio, founder of the world’s largest hedge fund, Bridgewater Associates, isn’t usually known for alarmist takes. But his latest warning is unusually stark.

    “Right now we are at a decision-making point and very close to a recession, and I’m worried about something worse than a recession if this isn’t handled well,” Dalio said in an appearance on NBC News’ “Meet the Press.”

    Don’t miss

    Recession warnings have been piling up as Trump’s sweeping tariffs and global tensions escalate. But Dalio sees the threat as “much more profound.”

    “We have a breaking down of the monetary order,” he said.

    Dalio highlighted profound shifts in both the domestic and world order — including a move away from the U.S.-led era of multilateralism toward a more unilateral world order, “in which there’s great conflict.”

    While it remains unclear how the uncertainty around tariffs will play out — or whether the recession warnings will prove correct — markets have already been whipsawed.

    The silver lining? Dalio has long championed a strategy he calls the “Holy Grail of investing.” With volatility rising and risks mounting, now may be the time to pay attention.

    Dalio’s ‘Holy Grail’ investment strategy

    “The Holy Grail of investing is to find 10 to 15 good, uncorrelated return streams,” Dalio explained in a video posted to his YouTube channel.

    “If you find a number of return streams, a number of investments that are good and uncorrelated, you will have the average return of those so you don’t lessen your return… But at 15, you’ll eliminate 80% of your risk, so you’ll improve your return-to-risk ratio by a factor of five.”

    Dalio added that there’s “no way” to improve your ability to pick winning investments by a factor of five because it’s a highly competitive game. But with his Holy Grail strategy, he said, investors can dramatically boost their return-to-risk ratio through smart diversification.

    While he didn’t name specific assets in that clip, Dalio has long emphasized the importance of diversification — and recently, he singled out one time-tested asset as a necessary component of a resilient portfolio: gold.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC. “When bad times come, gold is a very effective diversifier.”

    Long viewed as the ultimate safe haven, gold isn’t tied to any single country, currency or economy. It can’t be printed out of thin air like fiat money, and in times of economic turmoil or geopolitical uncertainty, investors tend to pile in — driving up its value.

    Over the past 12 months, gold prices have surged by more than 35%.

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of American Hartford Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account — combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to potentially hedge their retirement funds against economic uncertainties.

    Even better, you can often roll over existing 401(k) or IRA accounts into a gold IRA without tax-related penalties. To learn more, get your free 2025 information guide on investing in precious metals.

    Qualifying purchases can also receive up to $20,000 in free silver.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Buffett’s advice

    Dalio has a point: dramatically improving your ability to pick winning investments is extremely difficult. Even Warren Buffett — one of the greatest stock pickers of all time — doesn’t think that’s a realistic approach for most people.

    “I do not think the average person can pick stocks,” he stated bluntly at Berkshire’s 2021 shareholders meeting.

    Instead, Buffett champions a much simpler strategy, famously stating, “In my view, for most people, the best thing to do is own the S&P 500 index fund.”

    This approach gives investors broad exposure to 500 of the largest publicly traded U.S. companies across 11 sectors — offering built-in diversification without the need for constant monitoring or active management. In that sense, it echoes Dalio’s emphasis on spreading risk across multiple strong investments.

    The best part? Anyone, regardless of wealth, can take advantage of this strategy. Even small amounts can grow over time with tools like Acorns, a popular app that automatically invests your spare change.

    Signing up for Acorns takes just minutes: link your cards, and Acorns will round up each purchase to the nearest dollar, investing the difference — your spare change — into a diversified portfolio. With Acorns, you can invest in an S&P 500 ETF with as little as $5 — and, if you sign up today, Acorns will add a $20 bonus to help you begin your investment journey.

    Passive income — even in a down market

    For those looking to diversify beyond the stock market, real estate offers a compelling alternative. While it experiences cycles like any other asset, real estate doesn’t depend on a booming market to deliver returns.

    Even during a recession, high quality, essential real estate can continue to produce passive income through rent. In other words, you don’t have to wait for prices to rise to see a payoff — the asset itself can work for you.

    Buffett has often pointed to real estate — especially rental properties — as a textbook example of a productive, income-generating investment.

    In 2022, he remarked that if you offered him “1% of all the apartment houses in the country” for $25 billion, he would “write you a check.”

    New investing platforms are making it easier than ever to tap into the real estate market.

    For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    If you’re an accredited investor looking for larger returns through commercial real estate, First National Realty Partners (FNRP) could be a better fit with a $50,000 minimum investment requirement.

    Specializing in grocery-anchored retail, FNRP offers a turnkey solution for investors, allowing them to passively earn distribution income while benefiting from the firm’s expertise and deal leadership.

    FNRP has developed relationships with the nation’s largest essential-needs brands, including Kroger, Walmart and Whole Foods, and provides insights into the best properties both on and off-market. And since the investments are necessity-based, they tend to perform well during times of economic volatility and act as a hedge against inflation.

    You can engage with experts, explore available deals and easily make an allocation, all in one personalized, secure portal.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Kevin O’Leary blasts ‘anti-American rhetoric’ from Canada’s prime minister — says party ‘wiped out’ loonie, leaving Canadians unable to afford Disneyland. How to hedge against uncertainty

    Kevin O’Leary blasts ‘anti-American rhetoric’ from Canada’s prime minister — says party ‘wiped out’ loonie, leaving Canadians unable to afford Disneyland. How to hedge against uncertainty

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Canadian Prime Minister Mark Carney has taken a hard line on President Donald Trump’s tariff threats, vowing to hit back with retaliatory trade measures designed to inflict “maximum impact” on the U.S.

    While tensions between the two allies have escalated, “Shark Tank” investor Kevin O’Leary believes Carney’s tough talk is little more than political theatre.

    Don’t miss

    “The anti-U.S. rhetoric is being stirred up by Carney because his party devastated the country over the last 10 years, and the only way he can stay in power is to convince people he’s the solution against Trump,” O’Leary said in a March 31 interview with Fox Business.

    O’Leary, who was born in Canada, didn’t hold back in his criticism of Carney and the prime minister’s Liberal Party.

    “You’ve got to remember, Canada actually only grew under the Liberal Party 1.4% in 10 years. The economy is wiped out,” he said. “One of the reasons Canadians can’t go to Florida is, his party wiped out the value of the dollar … Canadians can’t afford to go to Disneyland anymore.”

    O’Leary didn’t cite a source for his growth figure, but Trevor Tombe, professor of economics at the University of Calgary, has noted that Canada’s real GDP per capita grew just 1.4% from Q1 2015 to Q3 2024, based on data from the Organisation for Economic Co-operation and Development. The Liberal Party has been in power since late 2015.

    As for the loonie (Canadian dollar), it has indeed weakened over the past decade. In April 2015, one Canadian dollar was worth about 81 U.S. cents. Ten years later, it trades closer to 70 cents — a drop of roughly 13.6%.

    While O’Leary dismisses the tension as election-driven, trade disputes can trigger real geopolitical uncertainty with ripple effects that extend far beyond politics. Markets don’t react well to unpredictability, and we’ve already seen headlines of trillions in U.S. market value wiped out as Trump pushes forward with tariffs.

    In times like these, financial experts often recommend taking steps to hedge against uncertainty. Here’s a look at three strategies that can help protect your wealth.

    A classic safe haven

    Gold has long been considered a go-to asset during times of economic and geopolitical uncertainty — and for good reason.

    Unlike stocks or currencies, gold isn’t tied to any one government or economy. It also can’t be printed at will by central banks. Those characteristics make it especially attractive when confidence in political leadership, trade stability or the value of paper money start to slip.

    When markets grow jittery, investors often turn to gold as a safe haven. Case in point: over the past year, gold prices have surged over 33%, recently topping $3,100 an ounce.

    Billionaire hedge fund manager Ray Dalio has warned that most people “don’t have, typically, an adequate amount of gold in their portfolio.”

    He added: “When bad times come, gold is a very effective diversifier.”

    For those looking to capitalize on gold’s potential while also securing tax advantages, one option is opening a gold IRA with the help of Priority Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those seeking to shield their retirement funds against economic uncertainties.

    When you make a qualifying purchase with Priority Gold, you can receive up to $5,000 in precious metals for free.

    A time-tested income play

    Real estate has long been a favored way to generate passive income — and unlike stocks or bonds, it’s a tangible asset you can see and manage.

    While markets can swing wildly in response to headlines, high-quality, well-located properties can continue producing rental income regardless of what’s happening on Wall Street.

    Real estate is also a time-tested hedge against inflation. As the cost of materials, labor and land rises, property values often increase as well. At the same time, rental income tends to climb, giving landlords a revenue stream that adjusts with inflation.

    While home prices have been soaring and mortgage rates remain elevated, you don’t need to buy a property outright to get in the game. Crowdfunding platforms like Arrived have made it easier for average Americans to invest in rental properties without the need for a hefty down payment or the burden of property management.

    With Arrived, you can invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving rental income deposits from your investment.

    For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    If you’re interested in commercial real estate, there are plenty of opportunities as well.

    First National Realty Partners (FNRP), for instance, allows accredited investors to diversify their portfolio through grocery-anchored commercial properties without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions — including how much you would like to invest — to start browsing their full list of available properties.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    A finer alternative

    It’s easy to see why great works of art tend to appreciate over time. Supply is limited and many famous pieces have already been snatched up by museums and collectors. This also makes art an attractive option for investors looking to diversify.

    In 2022, a collection of art owned by the late Microsoft co-founder Paul Allen sold for $1.5 billion at Christie’s New York, making it the most valuable collection in auction history.

    Investing in art was once a privilege reserved for the ultra-wealthy.

    Now, that’s changed with Masterworks — a platform for investing in shares of blue-chip artwork by renowned artists, including Pablo Picasso, Jean-Michel Basquiat and Banksy. It’s easy to use, and with 23 successful exits to date, every one of them has been profitable thus far.

    Simply browse their impressive portfolio of paintings and choose how many shares you’d like to buy. Masterworks will handle all the details, making high-end art investments both accessible and effortless.

    Masterworks has distributed roughly $61 million back to investors. New offerings have sold out in minutes, but you can skip their waitlist here.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Ray Dalio warns Americans the current chaos is much bigger than tariffs — claims the era of US dominance is over and sees ‘big disruptive’ shifts ahead. 2 simple ways to protect yourself

    Ray Dalio warns Americans the current chaos is much bigger than tariffs — claims the era of US dominance is over and sees ‘big disruptive’ shifts ahead. 2 simple ways to protect yourself

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Waves of tariffs from President Donald Trump — despite a temporary pause on many — has unleashed chaos across global markets, reigniting trade tensions and rattling investors. But billionaire hedge fund manager Ray Dalio says the real storm is still to come.

    On April 7, in a lengthy social media post, Dalio argued that the recent tariff drama is merely a symptom of deeper, structural problems.

    “We are seeing a classic breakdown of the major monetary, political, and geopolitical orders,” he wrote.

    Dalio outlined five forces he described as reshaping the global landscape.

    Don’t miss

    1. The global monetary order

    Dalio said the global economic order is breaking down due to unsustainable debt and deep imbalances between debtor nations like the U.S. and creditor nations like China. As these imbalances unwind, Dalio warned the current monetary order will be forced to change in “big disruptive ways”, with major consequences for capital markets and the broader economy.

    2. The political order

    Dalio sees the political order of democracies breaking down under the weight of what he calls “huge gaps” in people’s education, income and opportunity levels, as well as values. He said history shows this kind of environment often gives rise to “strong autocratic leaders” — especially when paired with economic and market turmoil.

    3. The global power structure

    Dalio was blunt on this point: “The international geopolitical world order is breaking down because the era of one dominant power (the U.S.) that dictates the order that other countries follow is over.” He argued it’s being replaced by a “unilateral, power-rules” approach. While the U.S. remains the most powerful nation, Dalio said it is now operating under a more self-interested, “America First” framework.

    4, 5. Nature and technology

    Dalio added that “acts of nature” — such as floods and pandemics — are becoming more disruptive, while rapid advances in technology — such as artificial intelligence — are impacting “all aspects of life, including the money/debt/economic order, the political order, the international order, and the costs of acts of nature.”

    Beyond the tariffs

    Dalio didn’t offer specific investment advice in his post. But in a February interview with CNBC, he noted the importance of diversification — and pointed to the role of one time-tested asset.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he said. “When bad times come, gold is a very effective diversifier.”

    Gold is considered a go-to safe haven. It can’t be printed out of thin air like fiat money, and because it’s not tied to any single currency or economy, investors flock to it during periods of economic turmoil or geopolitical uncertainty, driving up its value. Over the past 12 months, gold prices have surged by around 35%.

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of American Hartford Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account — combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to potentially hedge their retirement funds against economic uncertainties.

    Even better, you can often roll over existing 401(k) or IRA accounts into a gold IRA without tax-related penalties. To learn more, get your free 2025 information guide on investing in precious metals.

    Qualifying purchases can also receive up to $20,000 in free silver.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    A tangible hedge with passive income

    Many experts — including Federal Reserve Chair Jerome Powell and JPMorgan CEO Jamie Dimon — have warned that Trump’s tariffs could trigger a significant rise in inflation.

    While gold remains a classic hedge, real estate offers a time-tested alternative — with the added benefit of generating passive income.

    When inflation rises, property values often increase as well, reflecting the higher cost of materials, labor and land. At the same time, rising living expenses tend to push rents higher, helping landlords offset the erosion of purchasing power.

    Traditionally, investing in real estate meant buying property outright and becoming a landlord. New investing platforms are making it easier than ever to tap into the real estate market.

    For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted internal returns ranging from 12% to 18%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    Another option is First National Realty Partners (FNRP), which allows accredited investors to diversify their portfolio through grocery-anchored commercial properties without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions — including how much you would like to invest — to start browsing their full list of available properties.

    Consult a professional

    Navigating today’s financial landscape can feel overwhelming. With markets swinging wildly and expert opinions often clashing, it’s difficult to know where to put your money. If you’re finding it difficult to make sense of the noise, now could be the right time to get in touch with a financial advisor.

    FinancialAdvisor.net is a free online service that helps you find a financial advisor who can help you create a plan to reach your financial goals. Just answer a few questions and their extensive online database will match you with a few vetted advisors based on your answers.

    You can view advisor profiles, read past client reviews, and schedule an initial consultation for free with no obligation to hire.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • This tiny hot Costco item has skyrocketed 73% in price in under 2 years — but now the retail giant is restricting purchase. Here’s how to buy the coveted asset in bulk

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    For bargain hunters, Costco has long been a go-to destination. The warehouse giant famously still sells its hot dog and soda combo for $1.50 — the same price it launched with back in the mid-1980s. But not every Costco item has held its price as stubbornly as the hot dog combo.

    Case in point: gold bars.

    Don’t miss

    In late 2023, Costco began selling 1-ounce gold bars. At the time, shoppers could choose between two types: the PAMP Suisse Lady Fortuna Veriscan bar and the Rand Refinery bar, priced at $1,979.99 and $1,949.99, respectively, according to Business Insider. Despite the hefty price tag, both quickly became hot sellers.

    “When we load them on the site, they’re typically gone within a few hours,” then-CFO Richard Galanti said during a September 2023 earnings call. “And we limit two per member.”

    Fast forward to today, and not much has changed — except the price.

    As of June 2, 2025, the Rand Refinery 1-ounce bar is listed at $3,369.99, while the PAMP Suisse version is priced at $3,389.99. That marks a 73% and 71% increase, respectively, in less than two years.

    But the jump in price is in line with the broader gold market, which has surged roughly 72% over the same period. What’s more surprising is the continued demand.

    Both the Rand Refinery and the PAMP Suisse gold bars are out of stock on Costco’s website at the time of writing, and the company has tightened purchase limits. Customers are now restricted to “one transaction per membership, with a maximum of two units per 24 hours.”

    Why investors are flocking to gold

    Gold has long been viewed as a way to preserve purchasing power. Unlike fiat currencies, it can’t be printed at will by central banks.

    It’s also considered a classic safe haven. Gold isn’t tied to any one country, currency or economy, and in times of economic turmoil or geopolitical uncertainty, investors often flock to it — driving prices higher.

    That’s exactly what appears to be happening now. Markets are getting whipsawed by tariff uncertainty, rising deficits and global tensions — and gold has emerged as a rare bright spot.

    Many high-profile investors are sounding bullish. Jeffrey Gundlach, founder of DoubleLine Capital and known as the “Bond King,” recently predicted that gold could climb to $4,000 an ounce.

    Ray Dalio, founder of the world’s largest hedge fund, Bridgewater Associates, also highlighted gold’s importance as part of a resilient portfolio.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC. “When bad times come, gold is a very effective diversifier.”

    While Costco has imposed purchase limits on its gold bars, many bullion dealers still offer gold coins and bars without such restrictions. Just be sure to check the premium — dealers (including Costco) typically sell gold at a markup over the spot price.

    Another way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to help shield their retirement funds against economic uncertainties.

    When you make a qualifying purchase with Priority Gold, you can receive up to $10,000 in silver for free.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    A time-tested income play

    Gold isn’t the only asset investors turn to for preserving their purchasing power — real estate has also proven to be a powerful tool.

    When inflation rises, property values often increase as well, reflecting the higher costs of materials, labor and land. At the same time, rental income tends to go up, providing landlords with a revenue stream that adjusts for inflation.

    Over the past five years, the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index has jumped by more than 50%, reflecting strong demand and limited housing supply.

    Of course, high home prices can make buying a home more challenging, especially with mortgage rates still elevated. And being a landlord isn’t exactly hands-off work. Managing tenants, maintenance and repairs can quickly eat into your time (and returns).

    The good news? You don’t need to buy a property outright — or deal with leaky faucets — to invest in real estate today.

    Homeshares gives accredited investors access to the $35 trillion U.S. home equity market — a space that’s historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Robert Kiyosaki warns of ‘violent summer’ in the US — urges Americans to ditch ‘fake money’ and put it into ‘God’s money’ instead. Do you own any?

    Robert Kiyosaki warns of ‘violent summer’ in the US — urges Americans to ditch ‘fake money’ and put it into ‘God’s money’ instead. Do you own any?

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Rich Dad, Poor Dad author Robert Kiyosaki has just issued a dire warning for Americans.

    “CIVIL WAR has begun. ICE raids in Los Angeles erupt into mass violence,” he recently wrote in a post on X. “I believe we and the world are in for a long, hot, violent summer.”

    The unrest follows President Donald Trump’s immigration raids, which have triggered protests and clashes with law enforcement. So much so, that California Governor Gavin Newsom recently accused Trump of wanting “a civil war on the streets” during an interview with Fox’s L.A. affiliate, KTTV.

    Don’t miss

    Trump then pushed back in a press conference on June 9, saying he doesn’t want one — but warned that a civil war “would happen if you left it to people like [Newsom].”

    Amid the escalating tension, Kiyosaki linked the turmoil to the Fourth Turning, a generational theory by authors Neil Howe and William Strauss. According to the theory, society moves in roughly 80-year cycles marked by periods of upheaval that reset political and economic systems.

    Kiyosaki pointed out that previous Fourth Turnings included the American Revolution, the Civil War and the Great Depression/World War II. He believes the current cycle is about redefining one fundamental concept: money.

    “The issue is our bankers are stealing the wealth of the people via FAKE money, counterfeit money the central bankers print,” he wrote. “I trust the era of bankers ripping off the world is coming to an end. Sound money, gold, silver, and Bitcoin take away the power [from] the corrupt bankers … Stop saving fake money. Save gold, silver, and Bitcoin.”

    Let’s take a closer look at the assets he’s championing.

    ‘God’s money’

    “As I have said for years, gold and silver are ‘God’s money,’” Kiyosaki wrote. The famed author has been advocating for precious metals for decades.

    In October 2023, he predicted on X: “Gold will soon break through $2,100 and then take off. You will wish you had bought gold below $2,000. Next stop, gold $3,700.”

    Prices surged in 2024 and have continued to climb through 2025, recently surpassing $3,300 per ounce.

    Gold has long been viewed as a safe-haven asset. It’s not tied to any one country, currency or economy. It can’t be printed out of thin air like fiat money, and because of that, investors tend to pile in during times of economic turmoil or geopolitical uncertainty — driving up its value.

    Kiyosaki isn’t alone in highlighting gold as a critical asset.

    Ray Dalio, the founder of Bridgewater Associates — the world’s largest hedge fund — told CNBC in February: “People don’t have, typically, an adequate amount of gold in their portfolio,” adding that, “when bad times come, gold is a very effective diversifier.”

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of American Hartford Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account — combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to potentially hedge their retirement funds against economic uncertainties.

    Even better, you can often roll over existing 401(k) or IRA accounts into a gold IRA without tax-related penalties. To learn more, get your free 2025 information guide on investing in precious metals.

    Qualifying purchases can also receive up to $20,000 in free silver.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    ‘Steady cashflow’ — even in a crash

    In a recent post on X, Kiyosaki outlined a few steps individuals could take to protect themselves from a recession — and pointed to the power of one income-generating asset.

    “I have always recommended people become entrepreneurs, at least a side hustle, and not need job security. Then invest in income-producing real estate, in a crash, which provides steady cash flow,” he wrote on May 19.

    Real estate has long been a favored asset for income-focused investors. While stock markets can swing wildly on headlines, high-quality properties often continue to generate stable rental income.

    It can also be a powerful hedge against inflation. When inflation rises property values often increase as well, reflecting the higher costs of materials, labor and land. At the same time, rental income tends to go up, providing landlords with a revenue stream that adjusts with inflation.

    Perhaps that’s why Kiyosaki once told personal finance YouTuber Sharan Hegdehe that he owns 15,000 houses — strictly for investment purposes.

    Today, you don’t need to be as wealthy as Kiyosaki to get started in real estate investing.

    One option is Homeshares, which gives access to the $30 trillion-plus U.S. home equity market — a space that has historically been the exclusive playground of institutional investors. With a minimum investment of $25,000, accredited investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    Another option is First National Realty Partners (FNRP), which allows accredited investors to diversify their portfolio through grocery-anchored commercial properties without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions — including how much you would like to invest — to start browsing their full list of available properties.

    ‘People’s money’

    Kiyosaki has shown unwavering enthusiasm for Bitcoin — the world’s largest cryptocurrency.

    “Bitcoin is ‘people’s money,’” he wrote on X.

    It’s an interesting way to describe a decentralized cryptocurrency that operates outside the control of central banks. Bitcoin has been one of the top-performing assets of the past decade — and Kiyosaki believes its best days are still ahead.

    “Bitcoin [will go from] $500K to $1 million,” he predicted in May.

    He’s not the only one with such bold expectations. Twitter co-founder Jack Dorsey said in a May 2024 interview with Mike Solana that Bitcoin could hit “at least” $1 million by 2030 — and possibly go even higher.

    For those looking to hop on the bitcoin bandwagon, new crypto platforms have made it easier for everyday investors.

    For instance, Gemini is a full-reserve and regulated cryptocurrency exchange and custodian, which allows users to buy, sell and store bitcoin and 70 other cryptocurrencies.

    You can place instant, recurring and limit buys on their growing and vetted list of available cryptos.

    But if you’re not ready to buy just yet, you can still invest in crypto with their Gemini credit card.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • ‘Sounds like a good idea to me’: Trump considers $5,000 ‘baby bonus’ to boost America’s birth rate — but will it really happen? 3 ways to earn extra income no matter how many kids you have

    ‘Sounds like a good idea to me’: Trump considers $5,000 ‘baby bonus’ to boost America’s birth rate — but will it really happen? 3 ways to earn extra income no matter how many kids you have

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    To combat America’s declining birth rate, the Trump administration is reportedly considering a $5,000 “baby bonus” for new mothers.

    According to The New York Times, a chorus of proposals have been floated at the White House to encourage Americans to get married and have more children. One idea gaining attention: a $5,000 cash bonus for every new mother after delivery.

    Don’t miss

    When asked Tuesday at the White House whether his administration was considering such a bonus, Trump didn’t hesitate. “Sounds like a good idea to me,” told reporters.

    America’s total fertility rate (TFR) has been declining for decades. In 1960, it stood at 3.65 births per woman. By 1990, it had fallen to about 2.1 — roughly the replacement level needed for a population to replace itself from one generation to the next — and by 2023, it had dropped further to just 1.62, according to a March 2025 report from the CDC.

    But while $5,000 is nothing to sneeze at, some experts and parents say it’s unlikely to move the needle — especially given the soaring cost of raising a child in America today.

    According to SmartAsset, the median annual cost for two working parents to raise one child in the U.S. is $22,850.

    And although Trump appears to like the idea of a $5,000 baby bonus, there’s no guarantee it will move forward. A White House official told CBS MoneyWatch that no final decision has been made.

    In the meantime, soaring living costs — from housing to groceries to healthcare — are putting pressure on Americans across the board, whether they have children or not. In an environment where every dollar counts, finding ways to build additional income streams can make a real difference.

    Here’s a look at three simple ways to start earning passive income — sources of money that keep flowing with little day-to-day effort.

    Real estate

    Real estate is a popular way to generate recurring income. When you own a rental property and tenants pay rent, you earn a steady monthly cash flow.

    It’s also a time-tested hedge against inflation, as property values and rental income tend to rise alongside the cost of living.

    Of course, purchasing a property requires significant capital — and finding the right tenant takes time and effort.

    For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted internal returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    Another option is First National Realty Partners (FNRP), which allows accredited investors to diversify their portfolio through grocery-anchored commercial properties, without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions – including how much you would like to invest – to start browsing their full list of available properties.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Dividend stocks

    Investing in dividend stocks — shares of companies that regularly distribute a portion of their profits to shareholders — is another time-tested way to generate passive income.

    Dividends are payments made to investors, typically on a quarterly basis, providing a steady income stream without requiring the sale of shares. While stock prices fluctuate, companies with a strong dividend track record allow investors to earn consistent payouts, and some even increase their dividends over time, further boosting returns.

    Of course, not all dividend stocks are created equal. For those looking to diversify easily, dividend-focused exchange-traded funds (ETFs) offer an attractive option. These funds pool together dozens or even hundreds of dividend-paying companies, reducing the risk tied to any single stock. Dividend ETFs can provide broad exposure across industries and often focus on companies with strong histories of paying — and growing — their dividends.

    The beauty of ETF investing is its accessibility — anyone, regardless of wealth, can take advantage of it. Even small amounts can grow over time with tools like Acorns, a popular app that automatically invests your spare change.

    Signing up for Acorns takes just minutes: link your cards, and Acorns will round up each purchase to the nearest dollar, investing the difference — your spare change — into a diversified portfolio. With Acorns, you can invest in a dividend ETF with as little as $5 — and, if you sign up today, Acorns will add a $20 bonus to help you begin your investment journey.

    High yield savings accounts

    High-yield savings accounts offer a low-risk way to generate passive income while keeping your funds accessible. These accounts typically offer much higher interest rates than traditional savings accounts, allowing your money to grow without needing to lock it away in long-term investments. This option is ideal for those who want a secure, liquid source of passive income with minimal effort or risk.

    These days, some banks and financial institutions are offering high-yield savings accounts that pay up to 4.5%.

    In the U.S., most savings accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank. This insurance provides protection to depositors in the event that the bank fails, ensuring that their funds are safe and accessible.

    If you’re unsure which path to take amid today’s market uncertainty, it might be a good time to connect with a financial advisor through Advisor.com.

    This online platform connects you with vetted financial advisors best suited to help you develop a plan for your new wealth.

    Just answer a few quick questions about yourself and your finances and the platform will match you with an experienced financial professional. You can view their profile, read past client reviews, and schedule an initial consultation for free with no obligation to hire.

    You can view advisor profiles, read past client reviews, and schedule an initial consultation for free with no obligation to hire.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.