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Retirement Planning 1 October 2025 - 10 November 2025

SCHD Today (Nov. 10, 2025): Price, Yield & Flows—How Schwab’s Dividend ETF Stacks Up vs. JEPI, DIVO & DIV for Retirement Income

SCHD Today (Nov. 10, 2025): Price, Yield & Flows—How Schwab’s Dividend ETF Stacks Up vs. JEPI, DIVO & DIV for Retirement Income

SCHD traded near $26.55 intraday on Nov. 10, up 0.79% over five days and 0.60% year-to-date, but saw about $122 million in net outflows for the week. TipRanks rates SCHD a Moderate Buy, with analysts’ price targets implying double-digit upside. The ETF charges a 0.06% expense ratio and tracks the Dow Jones U.S. Dividend 100 Index. Monthly-pay ETFs JEPI, DIV, and DIVO remain popular among income-focused investors.
OPM Retirement Backlog Soars to 34,587 in October 2025—Highest Since 2022 as Claims Surge; What Federal Retirees Should Do as Open Season Begins

OPM Retirement Backlog Soars to 34,587 in October 2025—Highest Since 2022 as Claims Surge; What Federal Retirees Should Do as Open Season Begins

The Office of Personnel Management received 20,344 new retirement applications in October, processed 8,751, and ended the month with 34,587 pending cases, the highest since 2022. Average processing time rose to 79 days. Analysts cite the Deferred Resignation Program and workforce cuts as key drivers. A 40-day government shutdown has further disrupted HR and payroll operations.
10 November 2025
Generation X Money Meltdown: 95% Have Costly Regrets, 81% Fear Retirement Unaffordable

Gen X’s 2025 Retirement Wake‑Up Call (Nov. 10): New Reports Show a $467K Savings Gap—Here’s What to Do Now

Just 14% of Generation X feels prepared for retirement, with a typical savings gap of nearly $467,000 against a $1.07 million target, according to new surveys. Two-thirds of Gen X 401(k) participants have under $100,000 saved. Most do not expect to maintain their current standard of living in retirement. Average Gen X 401(k) balances reached $205,300 in Q2 2025, but many hold far less.
Historic “Silver Tsunami” Rocks Markets & Main Street – 70% Silver Rally Meets $10T Baby Boomer Exodus

Historic “Silver Tsunami” Rocks Markets & Main Street – 70% Silver Rally Meets $10T Baby Boomer Exodus

Spot silver traded near $48–49 per ounce in early October, its highest since 2011, after a 60–70% gain this year. Silver mining stocks such as Pan American Silver and First Majestic Silver have surged in tandem. Analysts forecast silver could hit $55–60 per ounce within months. Meanwhile, a wave of Baby Boomer retirements threatens millions of small businesses, with most owners lacking succession plans.
Social Security, SSI and Veterans Benefits to Climb 2.8% in 2026 — Can It Keep Up?

Social Security, SSI and Veterans Benefits to Climb 2.8% in 2026 — Can It Keep Up?

The Social Security Administration announced a 2.8% cost-of-living adjustment for 2026, raising average retiree checks by about $56 per month. Nearly 71 million Social Security recipients and 7.5 million SSI beneficiaries will see the increase, with higher SSI payments starting Dec. 31, 2025. Military and federal retirees will get similar boosts. Medicare Part B premiums are projected to rise to $206, offsetting much of the COLA gain.
28 October 2025
2026 Social Security COLA Shocker: Benefits Up 2.8% (+$56), But Rising Costs Threaten the Gain

2026 Social Security COLA Shocker: Benefits Up 2.8% (+$56), But Rising Costs Threaten the Gain

The Social Security Administration set a 2.8% cost-of-living adjustment for 2026, raising average monthly benefits by about $56 for 75 million Americans starting in January. The standard Medicare Part B premium is projected to rise to $206, up $21 from 2025. VA disability and federal pensions will see similar increases. SSI recipients get a 2.8% boost effective Dec. 31, 2025.
26 October 2025
Retirement Alert: 90% of Americans Are Giving Up Big Social Security Checks (Act Now Before It’s Too Late!)

Retirement Alert: 90% of Americans Are Giving Up Big Social Security Checks (Act Now Before It’s Too Late!)

Nine in ten U.S. workers plan to claim Social Security before age 70, despite warnings that waiting could increase lifetime payouts by about $182,000. Nearly 87% of non-retired Americans worry about having enough retirement income, and over half fear outliving their savings. The 2026 Social Security COLA is forecast at 2.6–2.8%, but rising Medicare and living costs will offset much of the increase.
Social Security COLA 2026: The Raise EVERYONE Is Talking About — And Why It Might Fall Short

Social Security COLA 2026: The Raise EVERYONE Is Talking About — And Why It Might Fall Short

The Social Security Administration will announce the 2026 cost-of-living adjustment on Oct. 24, delayed by the recent government shutdown. Early estimates put the increase at 2.7%, or about $54 more per month for the average retiree. Rising Medicare Part B premiums and costs for essentials are expected to offset much of the gain. Senior groups argue the current COLA formula understates retirees’ expenses.
24 October 2025
Retiring at 62? It Could Cost You $182K — and 90% of Americans Are Doing It Anyway

Retiring at 62? It Could Cost You $182K — and 90% of Americans Are Doing It Anyway

Ninety percent of U.S. workers plan to claim Social Security before age 70, despite losing out on up to $182,000 in lifetime benefits, according to recent surveys. Credit card debt has reached $1.2 trillion at nearly 25% APR, while 58% of Americans say their retirement savings are behind. Over half admit to limited knowledge of Social Security rules. Retirees are shifting 401(k) contributions into bonds as markets hit record highs.
21 October 2025

Stock Market Today

  • McKesson Stock Seen Undervalued Despite Recent Price Plateau
    April 29, 2026, 6:27 AM EDT. McKesson (MCK) shares hover around $835 after a substantial 343% gain over five years. The stock experienced minor short-term declines, including a 0.9% drop over seven days and is up 1.4% year-to-date. Analysts' Discounted Cash Flow (DCF) models indicate the stock could be undervalued by approximately 45%, with intrinsic value estimated near $1,521 per share. McKesson trades at a price-to-earnings (P/E) ratio of 23.6, slightly below the healthcare sector average of 24.3. The company's steady cash flow and valuation metrics suggest potential investment value despite recent price cooling.

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South Africa Stock Market Today: JSE Slips as Rand Wobbles Before Fed Decision

South Africa Stock Market Today: JSE Slips as Rand Wobbles Before Fed Decision

29 April 2026
The JSE All Share fell 0.28% and the Top 40 dropped 0.36% by late morning Wednesday as investors reduced risk ahead of the U.S. Federal Reserve decision. The rand weakened to 16.5550 per dollar, pressured by high oil prices and global uncertainty. Richemont, Gold Fields, and AngloGold Ashanti declined, while banks gained modestly. Canal+ confirmed plans to list in Johannesburg on June 3.
Ireland Stock Market Today: ISEQ Climbs as Glanbia Surge Offsets Ryanair Warning

Ireland Stock Market Today: ISEQ Climbs as Glanbia Surge Offsets Ryanair Warning

29 April 2026
Glanbia shares jumped 10.84% in Dublin on Wednesday after reporting a 7.2% rise in first-quarter like-for-like revenue, lifting the ISEQ All Share 0.59% to 12,358.83. The ISEQ 20 Capped gained 1.16%, while Ryanair fell 1.04% after CEO Michael O’Leary warned fares may stay flat due to Middle East conflict. The broader STOXX 600 slipped 0.3% as European markets lagged.
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