Avoid Overpaying! 5 Lowest-Cost S&P 500 ETFs for Smart Investors

When investors look for the best S&P 500 ETF to buy, they’re often searching for a fund that combines low fees, strong long-term performance, and reliable exposure to the U.S. stock market. While many ETFs track the S&P 500, not all are created equal.

Some offer ultra-low expense ratios, others have higher trading volumes or better tax efficiency. Choosing the best S&P 500 ETF depends on your investment goals, whether you're focused on minimizing costs, maximizing returns, or holding for the long term.

Why Invest in an S&P 500 ETF?

Before jumping into the list, here’s why S&P 500 ETFs remain a popular choice:

Diversification: You own a tiny piece of 500 large US companies across all major sectors , Passive Investing: ETFs track the S&P 500 index, requiring no active management.

Cost Efficiency: Many S&P 500 ETFs come with ultra-low fees compared to mutual funds , Liquidity: Highly traded ETFs make buying and selling easy at fair prices.

5 Best S&P 500 ETFs to Buy in 2025 (Lowest Expense Ratio & More)

1. SPDR S&P 500 ETF Trust (SPY)

Expense Ratio: 0.09% , overview: The oldest and most liquid S&P 500 ETF. SPY is a favorite among traders because of its massive daily volume.

Why Buy: If you want easy trading access, tight bid-ask spreads, and a trusted name, SPY is a solid pick ,  Best for  Traders and investors prioritizing liquidity and market accessibility.

2. iShares Core S&P 500 ETF (IVV)

Expense Ratio: 0.03% ,  overview: IVV offers the lowest expense ratio among the big three S&P 500 ETFs, making it very cost-efficient.

Why Buy: If you want to hold for the long term and reduce fees eating into your returns, IVV is excellent and best for: Long-term buy-and-hold investors who prioritize low fees.

3. Vanguard S&P 500 ETF (VOO)

Expense Ratio: 0.03% , overview: VOO is Vanguard’s flagship S&P 500 ETF, known for its investor-friendly approach and low cost.

Why Buy: Similar to IVV, it has an ultra-low fee, with a strong reputation for tracking the index closely , best for: Cost-conscious investors looking for a trusted, widely accessible ETF.

4. Schwab U.S. Large-Cap ETF (SCHX)

Expense Ratio: 0.03% , overview: While not strictly an S&P 500 ETF, SCHX tracks the Dow Jones U.S. Large-Cap Total Stock Market Index, very similar to S&P 500.

Why Buy: For investors looking for an alternative with equally low fees and broad exposure ,  best for: Investors interested in broad large-cap exposure at minimal cost.

5. Invesco S&P 500 Equal Weight ETF (RSP)

Expense Ratio: 0.20% , overview: RSP weights all S&P 500 companies equally rather than by market cap, offering a unique risk/reward profile.

Why Buy: For those wanting diversification beyond market cap weighting, potentially capturing more upside from mid-sized companies , best for: Investors seeking a different approach within the S&P 500 space.

What’s the Cheapest S&P 500 ETF to Buy?

Both IVV and VOO come with an industry-leading expense ratio of just 0.03% — meaning you pay only $3 annually for every $10,000 invested. This ultra-low fee is hard to beat and has a huge impact on long-term returns.

If you want to minimize costs, these two ETFs top the list.

Which S&P 500 ETF is the Best for You?

Choosing the best S&P 500 ETF depends on your needs:

Tips Before Buying an S&P 500 ETF

• Check your brokerage: Not all brokers offer every ETF, and some may charge commissions.
• Consider your currency: If you trade outside the US, think about currency risk and trading hours.
• Review your investment goals: ETFs suit different strategies, from retirement to short-term speculation.
• Understand tax implications: Some ETFs have tax advantages depending on your country.

Final Takeaway: Start Smart, Invest Low-Cost

The best S&P 500 ETF to buy in 2025 often boils down to two key factors: cost and liquidity. The lowest expense ratio S&P 500 ETFs like IVV and VOO give you the most bang for your buck long term, while SPY’s unmatched liquidity suits active traders.

If you want to reduce fees, improve diversification, and own a piece of America’s largest companies, pick an S&P 500 ETF that fits your trading style and budget. Start investing today and let your money work hard for you with one of these top ETFs.

How Learning and Community Engagement Can Earn You Real Crypto

A year ago, I was completely lost when it came to cryptocurrency. I’d heard about Bitcoin, Ethereum, and all these crazy digital coins, but the jargon and market volatility scared me away. I wanted to learn but didn’t know where to start — and frankly, the fear of losing money kept me stuck on the sidelines.

Then, one day, I stumbled across an app offering free crypto learning rewards. The idea blew my mind: I could actually earn cryptocurrency just by learning about it. No risk, no investment needed — just watch videos, answer quizzes, and get rewarded. I thought, “Why not give it a shot?”

My First Steps with Crypto Learning Rewards

I signed up for a popular crypto app with learning rewards and started going through their bite-sized lessons. Each module explained complex concepts like blockchain, wallets, and tokens in simple language. At the end of each lesson, I took a quick quiz, and to my surprise, I earned a small amount of crypto — real tokens credited to my account!

What felt like a game soon turned into a habit. I was motivated to keep learning because I wasn’t just absorbing knowledge — I was building my crypto portfolio too, with absolutely free crypto learning rewards. This helped me overcome my fear of the unknown and gave me confidence to explore the crypto world further.

Things to Consider Before Choosing a Crypto Learning Rewards App

If you’re ready to start, keep these tips in mind:

• Country and currency compatibility: Some apps restrict participation based on location. Make sure the app supports your country.
• Level of difficulty: Choose platforms that match your experience — beginner-friendly if you’re new, or more advanced if you already know the basics.
• Reward types: Look for apps that reward you with cryptocurrencies you’re interested in or that have good market potential.
• User experience: A clean, intuitive app will make learning more enjoyable and effective.

My Advice: Start Small, Learn Consistently, and Watch Your Crypto Grow

What started as curiosity turned into real financial empowerment for me. I went from being scared of cryptocurrency to actively building my knowledge and earning free crypto along the way. These learning rewards crypto programs are a fantastic stepping stone, especially if you want to dip your toes into crypto without risking money.

Whether you live in the US, Europe, or other regions, there’s likely an app tailored for your needs. Take the first step today: sign up, learn, earn, and become confident in your crypto journey.

How Do Chase Certificate of Deposit Rates Compare in 2025?

Understanding Chase CD Rates in 2025: What You Really Need to Know

If you’ve recently searched for “Chase CD rate” or best Chase certificate of deposit rates . With inflation still nibbling at your savings and the stock market offering a rollercoaster ride, many people are turning back to Certificates of Deposit (CDs) as a safe, predictable way to grow money.

But then the shock hits: “Why are Chase CD rates so low?

In this article, we’ll break down:

• What CD rates Chase is currently offering
• Why their rates may seem less competitive
• Smart alternatives and how to make the best decision for your savings

What Are Chase CD Rates in 2025?

Certificates of Deposit (CDs) are a safe way to lock in your savings for a fixed period while earning a guaranteed return. Chase CD rates vary depending on whether you’re a new customer or an existing one with a linked Chase checking account, which unlocks higher relationship rates.

Standard vs. Relationship Rates

• Standard Rates: For non-Chase checking account holders, the standard Annual Percentage Yield (APY) is a dismal 0.01% across all terms, regardless of deposit size. This is significantly lower than the national average for CDs, which hovers around 1.81% for a six-month term.
• Relationship Rates: If you link a Chase personal checking account, you can access tiered relationship rates, which are more competitive but still lag behind online banks. For example, Chase’s best CD rate is for a 2-month term, offering up to 4.0% APY with a $100,000 minimum deposit. Shorter terms like 3-month and 12-month CDs also offer competitive rates, but only for high-balance tiers.

Term Lengths and Minimum Deposits

Chase provides a wide range of CD terms, from 1 month to 10 years, giving you flexibility to align with your financial goals. However, you’ll need at least $1,000 to open a CD, which is standard but higher than some competitors offering $0 or $500 minimums.Here’s a quick snapshot of Chase certificate of deposit rates for select terms (relationship rates, as of May 2025):

• 2-month CD: Up to 4.0% APY ($100,000+ deposit)
• 3-month CD: 2.0–3.0% APY (varies by deposit amount)
• 12-month CD: 1.5–2.25% APY ($100,000+ deposit)
• Longer terms (e.g., 5–10 years): Often below 1.0% APY, even for relationship customers

Note: Rates may vary by region, so check with Chase for the most accurate figures in your area.

Why Are Chase CD Rates So Low?

If you’ve been Googling “why are Chase CD rates so low,” you’re not alone. Many savers are frustrated by Chase’s lackluster returns, especially when compared to online banks offering APYs of 4–5% or higher. Here’s why Chase’s rates fall short:

1. Big Bank Overhead: As one of the largest banks in the U.S., Chase operates thousands of branches and ATMs, which come with high operational costs. These expenses often lead to lower interest rates on deposit accounts like CDs and savings. Online-only banks, like Ally or Marcus by Goldman Sachs, avoid these costs and pass the savings to customers through higher APYs.
2. Focus on Convenience: Chase prioritizes accessibility and customer service, with over 4,700 branches and 15,000 ATMs nationwide. For customers who value in-person banking or keeping all accounts under one roof, Chase CDs are a convenient choice, even if the rates aren’t the highest.
3. Relationship Rate Dependency: Chase reserves its best rates for loyal customers with linked checking accounts. Without one, you’re stuck with the 0.01% APY standard rate, which is practically negligible. Even relationship rates don’t always compete with top online banks.
4. Economic Factors: CD rates are influenced by the federal funds rate, inflation, and market dynamics. With the Federal Reserve expected to cut rates in 2025, banks like Chase may lower CD rates further to align with the economic environment.

What Is the Best CD Rate at Chase Bank?

For those set on banking with Chase, the best CD rate is currently the 2-month CD at 4.0% APY, but there’s a catch: you need a $100,000 minimum deposit and a linked Chase checking account to qualify. This makes it less accessible for the average saver. For smaller deposits ($1,000–$9,999), the APY drops significantly, often below 2.0%.If you’re a Chase Private Client Checking customer,

you can also explore CD ladders, which combine multiple terms (e.g., 1, 2, 3, and 4 months or 3, 6, 9, and 12 months) to balance liquidity and returns. However, even these specialized products don’t match the yields of online banks.

Pros and Cons of Chase CDs

Pros

• Wide Range of Terms: From 1 month to 10 years, Chase offers flexibility to suit short- or long-term savings goals.
• FDIC Insurance: Your deposits are insured up to $250,000 per depositor, ensuring safety.
• Relationship Benefits: Higher APYs for customers with linked checking accounts, especially for high-balance tiers.
• Convenient Access: Open CDs online if you’re an existing Chase customer, or visit one of thousands of branches.
• Daily Compounding: Interest compounds daily, slightly boosting your earnings over time.

Cons

• Low Standard Rates: Non-relationship rates are a measly 0.01% APY, far below the national average.
• High Minimum Deposit: $1,000 is required to open a CD, which may be a barrier for some.
• Early Withdrawal Penalties: Penalties range from 90 days to 365 days of interest, depending on the term, making early access costly.
• Better Rates Elsewhere: Online banks like Community Wide Federal Credit Union offer APYs as high as 5.30%, dwarfing Chase’s offerings.

How to Open a Chase CDReady to explore Chase Bank CD interest rates?

Here’s how to get started:

1. Check Eligibility: If you have a Chase checking account, you can open a CD online. Otherwise, schedule an appointment with a banker at a local branch.
2. Gather Documentation: You’ll need a U.S. ID, Social Security number, and proof of address. Non-U.S. citizens can use a Matricula Consular or foreign passport.
3. Deposit at Least $1,000: Choose your term and deposit amount, keeping in mind that higher deposits unlock better rates.
4. Understand Penalties: Early withdrawals incur penalties (90–365 days of interest), so ensure you can commit to the term.
5. Monitor Maturity: You have a 10-day grace period post-maturity to withdraw funds or adjust terms; otherwise, the CD auto-renews.

Final Thoughts: Are Chase CDs Worth It?

While Chase CD rates offer convenience and safety, they fall short for savers seeking high returns. The best CD rate at Chase Bank—4.0% APY for a 2-month term with a $100,000 deposit—is competitive for a brick-and-mortar bank but pales compared to online banks and credit unions. If you’re wondering why are Chase CD rates so low,

it’s largely due to their operational costs and focus on existing customers .For U.S. savers looking to grow their money in 2025, compare rates across banks to ensure you’re getting the best deal. If convenience is king, Chase might work for you. But if you want to maximize your earnings, explore high-yield CDs or savings accounts from online institutions. Ready to take control of your savings? Visit Chase.com or check out competitors like Ally or Marcus for better rates today!

Smart Stock Investing: Tips and Strategies for Beginners

if you’ve ever wondered how to invest in stocks,

if you've caught yourself Googling things like “how to get into stocks” or “what are the best stocks to invest in right now?”—

you’re not alone. Stock trading has become more accessible than ever, and even beginners can start building wealth with just a smartphone and some guidance.

Whether you're interested in shares as a way to grow your savings or you’re dreaming of quitting your 9-to-5 thanks to smart investments,

this guide will walk you through everything you need to know about getting started with the stock market.

Why Make Stock Investments?

One of the most well-liked—and effective—methods to gradually increase money is through stocks. Buying stock entitles you to a portion of the business.

Your investment may increase in value as that business expands and makes money.

Still not sure? People like you are entering the market for the following reasons:

• Higher Returns than Bonds and Savings Accounts: Over time, stocks have generally outperformed safer investments like bonds or traditional savings accounts, helping your money grow faster.
• Dividends Provide Passive Income: Some companies pay a portion of their profits back to shareholders in the form of dividends, creating a steady income stream.
• Ownership of Businesses You Support: Holding stock means owning part of a company, giving you a voice as a shareholder and a stake in its success.
• Long-Term Protection Against Inflation: Stocks tend to appreciate faster than inflation, preserving your purchasing power over the years.
• Opportunity to Benefit from Innovation and Growth: By investing in sectors like technology, renewable energy, or healthcare, you can participate in the growth of cutting-edge industries shaping the future.

How to Invest in Stocks in 6 Steps

  Set Financial Goals:

Are you investing for retirement, a new car, or a dream vacation?

Your goals will shape your investment strategy, risk tolerance, and time horizon.

 Research the Market:

Look for the best stocks to invest in based on trends, performance, and your interests.

For example, tech giants like Apple or emerging AI companies could be interesting shares to explore in 2025. Don’t forget to study fundamentals such as revenue growth, profitability, and competitive advantages.

 Choose a Brokerage:

Open an account with a reputable broker.

Compare fees, user experience, educational resources, and customer support. Many platforms now offer commission-

free trades and intuitive mobile apps, perfect for beginners.

Start Small:

Begin with a small investment to test the waters.

Many platforms allow fractional shares, so you can own part of a stock even with $10, reducing barriers to entry.

Diversify:

Spread your money across different industries to minimize risk.

Think tech, healthcare, renewable energy, consumer goods, and financials.

Diversification helps protect your portfolio if one sector faces downturns.

Stay Informed:

Follow market news, company earnings reports, and economic trends to make informed decisions. Subscribe to trusted financial newsletters, listen to podcasts, or use stock tracking apps to keep your finger on the pulse.

Understanding Key Stock Market Concepts

Investing in stocks involves purchasing shares of ownership in publicly traded companies to potentially earn returns through price appreciation or dividends.

1. Research and Selection: Investors analyze companies based on financial health, performance metrics (e.g., price-to-earnings (P/E) ratio, earnings growth, debt levels), and market trends to choose stocks that align with their goals.
2. Risk and Reward: Stocks offer potential for high returns but come with risks due to market volatility, economic shifts, or company-specific issues.
3. Costs and Fees: Transactions may involve brokerage fees, commissions, or taxes. Low-cost platforms and ETFs (exchange-traded funds) can help reduce expenses and simplify investing.
4. Investment Strategies: Common approaches include long-term investing (buy-and-hold), dividend investing, growth investing, value investing, or even more active methods like day trading, each suiting different risk tolerances and time horizons.
5. Monitoring and Management: Investors track portfolio performance, market conditions, and company updates to adjust holdings as needed—rebalancing helps keep your portfolio aligned with your goals.
6. Tools and Resources: Use stock screeners, financial news apps, earnings calendars, and educational content to empower your decision-making.

Best Stocks for Beginners

Choosing stocks can be a daunting task, particularly for novices. After all, the major U.S.

exchanges list thousands of stocks. Although there are many complex tactics and methods involved in stock investing,

some of the most prosperous investors have only followed the fundamentals of the stock market.

Warren Buffett famously stated that the best investment most Americans can make is a cheap S&P 500 ETF.

This usually involves using funds for the majority of your portfolio and selecting individual stocks only if you think the firm has the ability to expand over the long run.

The S&P 500 index includes approximately 500 of the biggest publicly traded firms in the United States, representing a broad cross-section of industries.

Over the past 50 years, it has returned about 10% annually on average, making it a strong foundational investment.

Additional tips for beginners:

• Consider Dividend Stocks: Companies with a history of steady dividends can provide regular income and tend to be less volatile.
• Look for Blue-Chip Stocks: Large, established companies like Microsoft, Coca-Cola, or Johnson & Johnson often have stable earnings and strong market positions.
• Explore ETFs: Exchange-Traded Funds allow you to buy a basket of stocks in one trade, providing instant diversification.
• Avoid ‘Hot Tips’: Focus on solid research rather than chasing trendy or speculative stocks.
• Keep Emotions in Check: The stock market fluctuates. Patience and discipline often outperform impulsive decisions.

Final Thoughts

Getting started in stock investing is easier than ever, but it requires knowledge, patience, and a clear plan.

By setting your goals, educating yourself, starting small, and diversifying, you can build a portfolio that grows over time. Remember, investing is a marathon, not a sprint.

The most successful investors stay disciplined through market ups and downs, continually learning and adapting their strategies.

Who REALLY Qualifies for a VA Loan? The Truth Behind VA Home Loan Eligibility

John had always dreamed of owning a home. After serving in the military for over six years, he figured it was finally time. He’d heard about VA loans — the kind where you might not need a down payment — but he wasn’t sure if he qualified. Like many other veterans, he started searching:

- How to qualify for a VA loan
- VA loan requirements for buyers
- Who qualifies for a VA loan?

What he found surprised him — the process wasn’t as complicated as he feared, but there were important rules he had to meet.

The first thing he learned was that VA loans aren’t available to everyone. They’re a special benefit offered to veterans, active-duty service members, some members of the National Guard or Reserves, and certain surviving spouses.

John checked his service history and discovered he qualified because he had served over 90 days during active duty. That was step one.

Next, he found out about something called the Certificate of Eligibility, or COE. Without it, lenders can’t process your VA loan. Luckily, he could request it online, and his lender even offered to help get it instantly through the VA system.

Even though VA loans don’t require a down payment, lenders still want to see that you can afford the home. That meant John needed a steady job, enough monthly income to cover his mortgage, and not too much debt. He also checked his credit score. It wasn’t perfect, but it was above 620, which is what most lenders look for in 2025.

John was relieved to learn that he didn’t need to buy a mansion — just a home he planned to live in full-time. That’s because VA loans can only be used for primary residences. They’re not for vacation homes or investment properties.

There was one cost he didn’t expect: the VA funding fee. It's a one-time payment most buyers make when getting a VA loan. John found out he could roll it into the loan, which helped.

He also learned that some veterans with service-connected disabilities don’t have to pay this fee at all.

Finally, John applied through a VA-approved lender. The process felt smoother than he expected because his lender understood the VA program well. After some paperwork, a home appraisal, and final checks, John was approved. No down payment. No private mortgage insurance. Just a home that he could finally call his own.

How to Qualify for a VA Loan in 2025

Qualifying for a VA loan might seem complicated, but it's actually quite straightforward if you meet a few key conditions.

To qualify, you need to:

1. Meet military service requirements. This usually means you’ve: Served at least 90 days during wartime, 181 days during peacetime, Or completed 6 years in the National Guard or Reserves. Surviving spouses of service members may also qualify under specific conditions.
2. Get a Certificate of Eligibility (COE). This document confirms to your lender that you're eligible. You can apply for one online through the VA’s eBenefits portal, by mail, or have a VA-approved lender request it for you.
3. Have stable income and a manageable debt-to-income ratio. Most lenders prefer a DTI (debt-to-income ratio) below 41%, but some allow more with strong compensating factors.
4. Meet credit score requirements set by lenders. The VA doesn’t require a specific credit score, but most lenders look for 620 or higher. Some may go lower with additional documentation.
5. Plan to live in the home. VA loans are only for primary residences, not for second homes or investment properties.

Who Qualifies for a VA Loan?

VA loans are available to those who have served or are serving in the U.S. military. You may qualify if you fall into one of these categories:

• Veterans with an honorable discharge who meet service time requirements.
• Active-duty service members who have served long enough.
• National Guard and Reservists who meet the service length criteria.
• Surviving spouses of veterans who died in service or from service-connected causes.

Final Thought

Buying a home can feel overwhelming — especially if you’re not sure where to start. But if you’ve served in the military or are a qualifying spouse, a VA loan could be the easiest, smartest path to homeownership in 2025.

Like John, you don’t need to be rich, have perfect credit, or save for years just to afford a down payment. All you need is the right information, a little preparation, and a trusted lender by your side.

VA loans exist because you’ve earned them.

This isn’t just a mortgage — it’s a well-deserved benefit for your service and sacrifice.

So if you’re wondering “Who qualifies for a VA loan?” or “How do I get started?”, remember this:
You’re closer than you think.

Take that first step today. Your dream home is waiting.

Best SBA Lenders in 2025: How to Find the Right Bank for Your SBA Loan

If you're a small business owner wondering what banks do SBA loans or who does SBA loans, you're in the right place. SBA loans are a popular financing option backed by the U.S. Small Business Administration, but the loans themselves come from approved lenders like banks, credit unions, and specialized financial institutions. Choosing the right SBA lender can make a big difference in your loan approval process, interest rates, and overall experience.

In this detailed guide, we’ll cover the best SBA lenders for 2025, explain how SBA loans work, and give you tips on finding the best banks for SBA loans that fit your business needs.

What Are SBA Lenders and How Do SBA Loans Work?

SBA lenders are financial institutions authorized by the SBA to offer loans partially guaranteed by the government. This guarantee reduces the lender’s risk, allowing them to offer more favorable terms such as lower down payments, longer repayment periods, and competitive interest rates.

The SBA doesn’t lend money directly; instead, it partners with these lenders to help small businesses access capital. SBA loans come in various types, with the most common being:

• SBA 7(a) loans: The most popular loan type, used for working capital, equipment, real estate, and debt refinancing.
• SBA 504 loans: Designed for purchasing fixed assets like real estate or large equipment, often involving a Certified Development Company (CDC) alongside a bank.
• SBA Microloans: Smaller loans (up to $50,000) offered through nonprofit intermediaries to help startups and small businesses.

Who Are the Best SBA Lenders in 2025?

Based on loan volume, approval rates, and borrower experience, here are some of the top SBA lenders to consider:

1. Newtek Bank

Newtek Bank is currently the most active SBA lender by total loan amount, having issued over $1 billion in SBA 7(a) loans in fiscal year 2025. They serve U.S.-based, for-profit businesses with at least two to three years of tax returns. Newtek offers personalized service with a dedicated lending specialist who guides you through the entire process.

2. Huntington National Bank

Huntington approved the most SBA 7(a) loans in fiscal year 2024 and continues to be a top lender in 2025. They offer loans up to $5 million with down payments as low as 10%, along with SBA Express loans for faster access to smaller amounts. Huntington also runs the Lift Local Business Program, supporting minority-, women-, and veteran-owned businesses with financial education and SBA loan assistance.

3. Northeast Bank

Northeast Bank is a top lender by number of loans approved and total loan amount. Based in Maine, it offers SBA 7(a) loans up to $500,000 and streamlines the application process through online tools, making it easier for borrowers to apply with fewer documents.

4. Readycap Lending

Readycap Lending, a subsidiary of Ready Capital, has issued over $550 million in SBA 7(a) loans in 2025. They provide loans ranging from $350,000 to $5 million for business expansion, equipment purchase, working capital, and refinancing.

5. Live Oak Banking Company

Live Oak Bank is the second-most active SBA 7(a) lender by dollar amount and offers an online-based application process nationwide. They provide loans up to $5 million with up to 90% financing and typically require a 10% down payment. Live Oak also offers SBA 504 loans for larger projects.

6. JPMorgan Chase Bank

JPMorgan Chase, one of the largest banks in the U.S., offers SBA 7(a) loans up to $5 million and SBA Express loans up to $500,000. They provide SBA 504 loans for equipment and real estate purchases, with dedicated loan officers to assist borrowers.

7. Lendistry

Lendistry is a minority-led community development financial institution that focuses on underserved communities. They offer SBA 7(a) loans between $25,000 and $5 million with an entirely online application process and personalized customer support.

8. TD Bank

TD Bank ranks among the top SBA lenders by loan approval count and offers SBA 7(a) loans up to $5 million, SBA 504 loans, and SBA Express loans up to $350,000.

9. BayFirst National Bank

BayFirst offers a fast funding SBA Bolt Loan program with amounts up to $150,000 and funding within days. They also provide standard SBA 7(a) loans up to $5 million.

10. Celtic Bank

Celtic Bank offers SBA 7(a) loans up to $5 million, Express loans up to $150,000, construction loans, and SBA loans over $5 million. They are a preferred SBA lender headquartered in Utah.

How to Choose the Best SBA Lender for Your Business

Finding the right SBA lender depends on your business needs and preferences. Here are some tips:

• Start with your current bank or credit union: Existing relationships can speed up approval.
• Use the SBA Lender Match tool: Answer a few questions on the SBA website to get matched with lenders suited to your needs.
• Compare loan terms: Interest rates, fees, repayment terms, and down payment requirements vary by lender.
• Ask about the application process: Does the lender assign a dedicated loan specialist? How long does approval typically take?
• Check if the lender is SBA Preferred: Preferred Lenders can approve loans faster without SBA review.

What Do SBA Lenders Look For?

To qualify for an SBA loan, lenders typically require:

• A credit score of at least 640.
• A solid business plan and financial statements.
• Proof of ability to repay the loan.
• Collateral for larger loans.
• Usually two or more years in business (some exceptions for microloans).

Final Thoughts on SBA Lenders

SBA loans can be a lifeline for small businesses, offering affordable financing with flexible terms. Choosing the right SBA lender is crucial to getting the best deal and a smooth application experience. Whether you go with a big bank like JPMorgan Chase or a specialized lender like Live Oak Bank, make sure to shop around, prepare your documents, and understand your options.

Private Credit ETFs: Your Ticket to High Returns or a Risky Gamble?

Ever wonder how Wall Street pros make bank without touching stocks or bonds? Private credit ETFs are the new hot ticket in town, promising juicy returns that make your savings account look like pocket change. But before you jump in, let’s break down what these funds are, how they work, and whether they’re worth the hype for a New Yorker like you, hustling to grow your cash in a crazy market.

What Is Private Credit, Anyway?

Picture this: you’re a small business owner in Brooklyn, and the bank’s giving you the cold shoulder on a loan. Enter private credit—loans from non-bank lenders like hedge funds or investment firms that step in where banks won’t. These loans, often to private companies, pack higher interest rates, which means bigger returns for investors. Private credit ETFs, like the SPDR SSGA Apollo IG Public & Private Credit ETF (PRIV), bundle these loans into a tradable fund, letting regular Joes like us get a piece of the action without needing a million bucks or a fancy broker.

But here’s the catch: private credit ain’t your grandma’s Treasury bond. It’s less regulated, and the risks can hit harder than a subway delay during rush hour. So, why’s everyone talking about it? Let’s dive into the case of private credit ETFs and see if they’re a goldmine or a trap.

Case Study: Joe from Queens Dives into Private Credit ETFs

Background: Joe’s a 35-year-old IT guy from Flushing, Queens, with $10,000 saved up from grinding overtime. He’s no Wall Street shark but knows stocks and bonds alone won’t cut it for his dream of retiring early. After scrolling X and hearing about private credit ETFs, he’s curious if they’re his ticket to bigger returns.

The Challenge: Joe’s got a Roth IRA and a Robinhood account, but he’s never touched alternative investments. He’s worried about losing his hard-earned cash but loves the idea of 7–10% annual returns compared to the 4% his savings account’s coughing up. Plus, he’s heard private credit’s less tied to stock market swings—perfect for a guy who’s seen his 401(k) tank during market crashes.

The Solution: Exploring Private Credit ETFsJoe starts researching on platforms like NerdWallet and stumbles across private credit ETFs like PRIV and the Virtus Private Credit Strategy ETF (VPC). These funds invest in a mix of public and private debt, focusing on investment-grade loans or business development companies (BDCs) that lend to smaller firms. He learns private credit returns have historically outpaced bonds, with some ETFs targeting 8–12% yields, thanks to higher interest rates on private loans.

Here’s what Joe finds out about how to invest in private credit ETFs:

• Open a Brokerage Account: Joe’s already got one with Fidelity, but he checks out brokers like J.P. Morgan or Robinhood for commission-free ETF trades. Most let you buy ETFs like stocks, using their ticker (e.g., PRIV or VPC).
• Research Fund Details: Joe digs into expense ratios (PRIV’s is around 0.75%) and liquidity risks. Private credit’s less liquid than stocks, meaning selling fast during a downturn could be tricky. He notes the SEC flagged PRIV for liquidity concerns, which makes him cautious.
• Diversify, Don’t Dump: Experts on NerdWallet warn not to go all-in. Joe decides to allocate 10% of his portfolio to private credit ETFs, keeping the rest in S&P 500 ETFs and bonds to spread the risk.
• Check Tax Implications: Private credit ETFs often pay dividends, which are taxed as ordinary income in the U.S. Joe’s Roth IRA shields him from taxes, making it a smart choice for these funds.

The Outcome: Joe invests $2,000 in PRIV through his Roth IRA in March 2025. By June, he’s seeing monthly dividends roll in, averaging a 9% annualized yield. But when the market dips, PRIV’s price wobbles more than his S&P 500 ETF, reminding him of the liquidity risks. Still, the steady income feels like a win, and he’s hooked on learning more about private credit stocks and funds

What’s a Private Credit Fund, and Is It the Same as an ETF?

Not quite. A private credit fund, like Blackstone’s BCRED, is typically a closed-end fund or business development company (BDC) for accredited investors with big bucks—think $50,000 minimums. They’re less liquid, with withdrawals limited to quarterly windows. Private credit ETFs, on the other hand, trade daily on exchanges, making them accessible to anyone with a brokerage account. ETFs like VPC or PCMM offer lower minimums and more flexibility but might carry higher volatility due to their mix of public and private debt.

Risks and Rewards: Should You Bet on Private Credit ETFs?

Rewards:

• High Returns: Private credit ETFs often aim for 7–12% annual yields, crushing most bonds.
• Diversification: Less tied to stock market ups and downs, they can stabilize your portfolio.
• Accessibility: No need to be a millionaire—buy in with as little as one share.

Risks:

• Liquidity Issues: Private credit’s hard to sell quickly, which can tank ETF prices if lots of investors bail.
• Less Regulation: Unlike bonds, private credit’s a Wild West, with less oversight and more risk of default.
• Market Newbie: The industry’s young, and many managers haven’t weathered a major downturn.

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BlackRock Explained: Who Owns It, What It Offers, and Why It Matters

The Truth Behind the World’s Largest Asset Manager and Its Funds

Are you searching for answers about the BlackRock Fund, wondering if BlackRock is a hedge fund, or curious about who owns BlackRock Fund Advisors?  . As one of the most powerful financial institutions globally, BlackRock’s name sparks curiosity and confusion among investors, from beginners in the U.S. to seasoned traders in Europe.

With over $11.5 trillion in assets under management (AUM) as of 2024, BlackRock dominates the investment world, but what exactly does it offer, and is it the right choice for your portfolio? In this article,

What Is BlackRock? A Titan in Asset Management

BlackRock, Inc., founded in 1988 by Larry Fink and partners, is not just another financial firm , it’s the world’s largest asset manager, headquartered in New York City. With 70 offices across 30 countries, BlackRock serves everyone from individual investors saving for retirement to institutional giants like pension funds and governments.

Its massive $11.5 trillion AUM includes a variety of investment vehicles, such as BlackRock mutual funds, BlackRock real estate funds, and even BlackRock hedge funds. But is BlackRock purely a hedge fund, as some assume?

BlackRock’s core strength lies in its diverse offerings, from exchange-traded funds (ETFs) like iShares to sophisticated risk management tools like its Aladdin platform.

Whether you’re in the U.S. managing a 401(k), in the UK planning for a pension, or in Asia exploring real estate investments, BlackRock’s global reach and tailored solutions make it a go-to for investors worldwide.

Is BlackRock a Hedge Fund? Debunking the Myth

One of the most common questions investors ask is, “Is BlackRock a hedge fund?” The short answer: no, BlackRock is not primarily a hedge fund, but it does manage hedge funds as part of its vast portfolio. Here’s the distinction:

1- BlackRock’s Core Business: BlackRock is an asset management firm, focusing on mutual funds, ETFs, fixed-income investments, and risk management services. Its iShares ETFs, for example, are a staple for retail investors seeking low-cost, diversified exposure to stocks and bonds.

2- Hedge Fund Involvement:  Since 1996, BlackRock has managed hedge funds through its BlackRock Alternative Advisors, with over $47 billion invested in absolute return strategies as of 2024. These include long/short equity, market-neutral, and event-driven strategies aimed at institutional investors.

However, hedge funds represent a small fraction of BlackRock’s total AUM compared to its mutual funds and ETFs. So, while BlackRock offers BlackRock hedge funds, its primary identity is as a global asset manager, not a hedge fund.

This distinction is crucial for investors deciding between low-risk mutual funds and high-risk, high-reward hedge fund strategies.

Exploring BlackRock’s Fund Offerings

BlackRock’s diverse portfolio caters to various investor needs, whether you’re looking for steady growth, income, or alternative investments. Let’s explore some of its key offerings:

1. BlackRock Mutual Funds: A Staple for Retail Investors

BlackRock manages over 642 mutual funds, covering equities, fixed income, and multi-asset strategies. These funds are ideal for U.S. investors saving for retirement or college, as well as international investors seeking diversified portfolios. Key features include:

• Low-Cost Options: Many BlackRock mutual funds, like the BlackRock Liquidity TempFund Instl (TMPXX), have competitive expense ratios, making them attractive for cost-conscious investors.
• Global Reach: With funds spanning over 30 countries, BlackRock offers exposure to markets in Europe, Asia, and emerging economies.
• Investor-Friendly: No-load funds are available, meaning you can invest without paying sales commissions, a boon for small retail investors.

Who Should Consider? Investors in the U.S. or UK with a long-term horizon, seeking diversified, low-cost options for retirement or wealth-building.

2. BlackRock Real Estate Funds: Building Wealth Through Property

For those interested in BlackRock real estate funds, BlackRock offers exposure to commercial and residential properties worldwide. These funds are part of its alternative investments, designed to diversify portfolios and hedge against inflation. Key points:

1. Portfolio Diversification: Real estate funds are less correlated with stock and bond markets, offering stability during market volatility.
2. Global Opportunities: BlackRock’s real estate investments span the U.S., Europe, and Asia, including office spaces, retail, and logistics properties.
3. Risk Considerations: Real estate investments can be illiquid and sensitive to economic shifts, so they’re best suited for investors with a higher risk tolerance.

3. BlackRock Hedge Funds: High Risk, High Reward

BlackRock’s hedge funds, managed under BlackRock Alternative Advisors, target institutional investors and high-net-worth individuals. These funds employ strategies like:

1. Long/Short Equity: Aiming for absolute returns regardless of market conditions.
2. Event-Driven Strategies: Capitalizing on corporate events like mergers or restructurings.
3. Global Macro Funds: Betting on macroeconomic trends across asset classes.

However, BlackRock has scaled back some hedge fund operations, such as winding down its Global Ascent hedge fund in 2015 and Obsidian fund in 2023, focusing instead on quantitative strategies.Who Should Consider? Accredited investors in the U.S. or globally, comfortable with high fees and risks, seeking alpha generation.

4. iShares ETFs: The Crown Jewel

BlackRock’s iShares ETFs are among the most popular globally, offering low-cost, diversified investments in stocks, bonds, commodities, and real estate. With thousands of ETFs, iShares caters to both novice and experienced investors.Who Should Consider? Anyone from first-time investors in the U.S. to portfolio managers in Asia looking for liquid, cost-effective investments.

Who Owns BlackRock Fund Advisors?

Another common query is, “Who owns BlackRock Fund Advisors?” BlackRock Fund Advisors is a wholly-owned subsidiary of BlackRock, Inc., the publicly traded parent company listed on the NYSE (BLK).

BlackRock, Inc. is primarily owned by institutional investors, including pension funds, mutual funds, and other investment firms, with no single entity dominating ownership.

For example, posts on X highlight that BlackRock’s ownership is largely tied to investment funds like pensions, not individuals or secretive elites. This structure ensures BlackRock operates as a fiduciary, prioritizing client interests.

For U.S. investors concerned about transparency, BlackRock’s public filings with the SEC provide detailed insights into its governance and ownership.

Why Choose BlackRock? Solving Investor Pain Points

Whether you’re a retiree in the U.S., a financial advisor in the UK, or an institutional investor in China, BlackRock addresses common investor concerns:

• Diversification: From BlackRock mutual funds to real estate funds, BlackRock’s offerings reduce portfolio risk through diverse asset classes.
• Accessibility: With iShares ETFs and no-load mutual funds, even small investors can access global markets without high fees.
• Technology-Driven Insights: BlackRock’s Aladdin platform uses advanced analytics to manage risk, benefiting both institutional and retail clients.
• Global Expertise: With analysts in 30 countries, BlackRock provides localized insights for investors in different currencies (USD, GBP, EUR) and markets.

Pain Point Solved: Investors often worry about high fees or lack of transparency. BlackRock’s low-cost ETFs and public disclosures address these concerns, making it a trusted choice for beginners and experts alike.

BlackRock vs. Competitors: Should You Invest?

To make a commercial decision, compare BlackRock with competitors like Vanguard and State Street:

Free Budget Template Inside: The Beginner’s Guide to Smart Money Management

Managing money can feel overwhelming — bills, groceries, rent, subscriptions… the list never ends. But what if you could see all your income and expenses clearly laid out in one place? That’s exactly what a budget template offers: a simple, powerful way to take control of your finances.

In this article, you’ll learn how to use a monthly budget planner effectively, why it matters, and how to align your spending with proven budgeting rules like the 50/30/20 method. Whether you’re new to budgeting or just looking for smarter ways to manage your cash flow, this guide has you covered.

What Is a Budget Planner?

A budget planner is a tool often in the form of a spreadsheet or printable template—that helps you organize your income and expenses. It allows you to see where your money is going each month, identify spending patterns, and plan for future financial goals. A good budget planner includes categories like housing, utilities, groceries, transportation, entertainment, and savings, giving you a clear overview of your financial health.

How to Use a Budget Sheet?

Using a budget spreadsheet or template is easier than you might think. Here’s a simple step-by-step approach:

• List Your Income Sources: Start by entering all your monthly income, including salary, freelance work, or passive income.
• Create a Monthly Expenses List: Break down your expenses into fixed (rent, loan payments) and variable (dining out, shopping) categories.
• Enter Your Expenses: Fill in the amounts you spend or plan to spend in each category.
• Track and Update Regularly: As the month progresses, update your budget sheet with actual expenses to monitor your spending.
• Analyze and Adjust: At the end of the month, review your budget to see where you can cut back or save more.

Using a budgeting template helps you avoid overspending and ensures you’re prepared for bills and unexpected costs.

Summary: Take Charge of Your Finances with a Budget Template

A budget template is an essential tool for anyone looking to manage their money better. Whether you’re new to budgeting or want a more organized approach, using a budget planner and a detailed monthly expenses list can make all the difference. By tracking your income and expenses in a budget spreadsheet, you gain insight into your spending habits and can make smarter financial decisions. Start using a budgeting template today to build a stronger, more secure financial future.