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Hi there
Good morning! In today’s issue, we’ll dig into the all of the latest moves and highlight what they mean for you right now. Along the way, you’ll find insights you can put to work immediately
Stock Market Update
Indexes first:
Dow: 46,091 ▼ -1.07%
S&P 500: 6,617 ▼ -0.83%
Nasdaq: 22,432 ▼ -1.21% (tech under pressure again)
Russell 2000: 2,348 +0.31% (small caps actually up)
VIX: 24.69 +10.32% – volatility jumped, showing real nerves under the surface.
Under the hood:
Big Tech & chips took the hit:
AMZN roughly -4.4%, MSFT about -2.7%, MU -5.6%, NVDA -2.8%.
Value/defensive names were more mixed:
KO and KHC posted gains, Macy’s and Ford were up, while Costco, Walmart, and Visa slipped.
Healthcare & “steady” names like UNH and some pharma were mostly red, showing this wasn’t just a tech story – it was a broad de-risking day.
Market vibe:
This looks like a “sell the winners, hide in cash for a minute” type of day.
The fact that small caps eked out a gain while the big indices fell is a subtle sign that money is rotating rather than fleeing entirely.
Crypto Update
From your board:
Bitcoin (BTC): ~$92.4K, +0.67% on the day, still down about 10% over the past month.
Ethereum (ETH): ~$3,097, up a strong +3.1% in the last 24 hours.
Solana, BNB, and other majors: small daily moves, but most are still nursing mid-single to low-double-digit losses over the last 30 days.
What this feels like:
Think of today as a “green bounce in a choppy range” rather than a fresh bull leg.
Flows continue to favor the top names (BTC, ETH) while smaller alts trade more like leverage on sentiment.
Quick crypto positioning idea:
If you’re active here, consider a simple rule: 70–80% in majors (BTC/ETH), 20–30% in everything else, and size the whole crypto bucket as a small % of your total net worth.
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Real Estate Update
Homebuilder mood is still shaky. Local reports highlight that the NAHB Homebuilder Confidence Index remains low, as builders juggle high construction costs and only modest relief on mortgage rates.
Office pain is still the headline story. Recent commentary on commercial real estate notes office loans with delinquency rates approaching ~15%, with more debt moving into “special servicing” as landlords struggle with refinancing at higher rates.
Investor takeaway:
Stick to quality locations and strong tenants if you’re in commercial.
For most individual investors, diversified REITs focused on logistics, data centers, or residential are still a cleaner way to get exposure than betting on a single office building turnaround.
Resource Update
Energy
WTI Crude: ~$60.65, +1.29%
Brent Crude: ~$64.78, +0.92%
Gasoline: modestly higher, +0.25%
Natural Gas: slight uptick, +0.39%
Heating Oil: standout move, +5.76%
Higher energy prices are often a tax on consumers but a tailwind for energy producers and related ETFs.
Metals
Gold: ~$4,085.50, +0.54%
Silver: ~$50.96, +0.97%
Platinum: ~$1,559, +0.41%
Palladium: ~$1,436.90, +0.28%
How to read this:
Rising gold + rising VIX usually means investors are paying up for protection.
If your portfolio is heavy on growth stocks, even a small allocation to gold or a broad commodities ETF can help smooth days like today.
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That’s All For Today
I hope you enjoyed today’s issue of The Wealth Wagon. If you have any questions regarding today’s issue or future issues feel free to reply to this email and we will get back to you as soon as possible. Come back tomorrow for another great post. I hope to see you. 🤙
— Ryan Rincon, CEO and Founder at The Wealth Wagon Inc.
Disclaimer: This newsletter is for informational and educational purposes only and reflects the opinions of its editors and contributors. The content provided, including but not limited to real estate tips, stock market insights, business marketing strategies, and startup advice, is shared for general guidance and does not constitute financial, investment, real estate, legal, or business advice. We do not guarantee the accuracy, completeness, or reliability of any information provided. Past performance is not indicative of future results. All investment, real estate, and business decisions involve inherent risks, and readers are encouraged to perform their own due diligence and consult with qualified professionals before taking any action. This newsletter does not establish a fiduciary, advisory, or professional relationship between the publishers and readers.
