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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
U.S. Equities broadly positive with sector rotation:
Dow Jones: +0.60%
S&P 500: +0.26%
Nasdaq: +0.25%
Russell 2000: +0.86%
VIX: –5.43% (implied volatility easing)
Notable stock moves:
Citi (C +4.49%) and CoreWeave (CRWW +5.80%) led stronger gains.
Broadcom (AVGO) and Amazon (AMZN) showed solid upside.
Robinhood (HOOD) and Lucid (LCID) lagged with steep declines.
Meta (META) and Lululemon (LULU) held modest gains.
Nvidia (NVDA) and Micron (MU) quietly extended positives.
Headline context:
Markets rallied modestly today, buoyed by broader sentiment improvement and rotation into value and cyclicals. Tech leadership was present but selective, while financials and smaller caps showed strength.
Stocks Tip:
When the VIX drops while benchmarks tick higher, it suggests confidence returning but not euphoria — a good environment for disciplined rebalancing rather than reckless chasing.
Crypto Update
Bitcoin and broader crypto markets held a bullish tone today:
Bitcoin ~$95,737 — modest upside with a healthy weekly gain (~+5.18%).
Ethereum ~ $3,316 — solid weekly strength (~+6.68%).
Altcoins:
TRX (Tron) showing strong upside (~+5.92% on the week).
Monero continues standout outperformance (~+48.7%).
Others mixed with minor pullbacks.
Overall, crypto traders are showing controlled optimism, with major tokens digesting gains but remaining in a higher range — a sign of accumulation and resilience rather than panic selling.
Crypto Tip:
In mixed tape like today’s, consider incremental buys on dips rather than large lump-sum entries.
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Real Estate Update
Mortgage rates hit new lows, affordability improves
Mortgage rates in the U.S. reached their lowest levels in over three years, with the 30-year fixed mortgage averaging around 6.06% as of January 15, 2026 — down from roughly 7% a year ago and the lowest since late 2022. This drop has boosted buyer activity, with mortgage applications and home-buying interest picking up heading into the traditional spring market season.
Investor share of home sales remains high
Investors accounted for about 34% of single-family home purchases in Q3 2025, the highest in five years. Small landlords dominate these purchases, while large institutional players make up a much smaller share.
Affordability outlook brightening
Forecasts suggest that by the end of 2026, mortgage payments will be affordable in ~20 major U.S. markets, the most since 2022, based on falling rates, slow price growth, and gradual income gains.
Real Estate Tip:
Lower rates can spark more showings, offers, and closed deals early in the year — so watch local inventory and days on market for signs of real momentum.
Resource Update
Commodities Snapshot
Precious Metals:
Gold: ~$4,634 (–0.26%)
Silver: ~$93.14 (–0.81%)
Platinum: ~$2,420 (+0.29%)
Palladium: ~$1,857 (+0.33%)
Metals were slightly mixed but remain elevated long term, reflecting ongoing safe-haven and hedging demand.
Energy Futures:
WTI Crude: ~$59.19 (–4.56%)
Brent Crude: ~$63.77 (–4.13%)
Gasoline / RBOB: ~$178.38 (–2.55%)
Natural Gas: ~$3.13 (+0.26%)
Energy prices sold off noticeably today, likely tied to macroeconomic sentiment shifts and inventory reports.
Resources Tip:
Metals can act as a defensive ballast, while energy tends to reflect near-term economic demand expectations — use both for diversification, not direction bets.
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.
