U.S. Treasury Bonds No Longer a Safe Haven; Bitcoin Challenges U.S. Dollar's Status
Key Takeaways
- MarketWatch reports U.S. Treasury bonds are no longer functioning as a safe haven.
- Goldman Sachs warns Bitcoin, gold challenge U.S. dollar's reserve status; Bitcoin at $124,000.
- ChatGPT advises automating finances, investing early, and building an emergency fund.
- NerdWallet suggests diversifying investments using lazy portfolios with a few funds.
- Maxing out 401(k) may not be enough; consider IRAs, brokerage accounts, and inflation.
Top Stories
U.S. Treasury bonds no longer a safe haven.
On September 5, 2025, an article from marketwatch.com examined the changing status of U.S. Treasury bonds. The report indicates that these bonds are no longer functioning as a safe haven.
Gold, Bitcoin challenge U.S. dollar's global reserve-currency status.
On September 6, 2025, Goldman Sachs analysts warned that the U.S. dollar's global reserve-currency status could be eroded by gold as Bitcoin challenges its safe-haven asset role. Bitcoin's price doubled since last year to $124,000 in August.
ChatGPT's advice: Automate finances, invest early, build emergency buffer.
On September 6, 2025, GOBankingRates published ChatGPT's advice on how to make the most of one's money. ChatGPT emphasizes the importance of automating finances to remove emotion, investing early to benefit from compound interest, and building an emergency fund for financial security.
NerdWallet: Diversify investments using lazy portfolios.
On September 5, 2025, NerdWallet published an article explaining how to diversify investments using lazy portfolios, which involve a diversified investment mix with just a few funds.
Maxing out 401(k) may not be enough for retirement.
On September 5, 2025, an article discusses retirement planning, emphasizing that maxing out a 401(k) may not be sufficient. The article suggests considering personal IRAs and taxable brokerage accounts, stress-testing financial plans, and accounting for inflation and taxes.
Investing Insights
Motley Fool recommends Walmart, Rocket Lab, and Arm Holdings.
On September 7, 2025, Motley Fool analyst James Brumley recommends investing in Walmart, Rocket Lab, and Arm Holdings. These three companies are suggested to offer a balanced investment with complementary risk and reward profiles.
Motley Fool recommends Shopify, MercadoLibre, and On Holding.
On September 6, 2025, The Motley Fool contributors recommended three growth stocks: Shopify, MercadoLibre, and On Holding. These selections were made to help investors build wealth in the stock market.
Municipal bonds rally on expectations of Federal Reserve rate cuts.
On September 5, 2025, municipal bonds rallied as weaker-than-expected job growth led to increased expectations that the Federal Reserve will begin cutting interest rates this month. Rates on 10-year benchmark tax-exempt bonds dropped 8 basis points to 3.05%.
S&P 500 yields 310% total return over 10 years.
On September 6, 2025, The Motley Fool reported that the S&P 500 has produced a 310% total return over the past 10 years. A $1,000 investment in the Vanguard S&P 500 ETF (VOO) a decade ago is now worth about $4,100.
Experts warn about hidden risks of buying the dip.
On September 6, 2025, experts warned about the hidden risks of buying the dip in the stock market. They cautioned against trying to time the market and advised against using emergency funds or credit.
Nvidia, Taiwan Semiconductor, Alphabet, Trade Desk: Stocks to buy.
On September 6, 2025, Keithen Drury identified Nvidia, Taiwan Semiconductor Manufacturing, Alphabet, and The Trade Desk as four stocks to buy in September. He cited their potential for excellent returns through the remainder of 2025 and into 2026.
wsj.com publishes list of stocks to watch.
On September 5, 2025, wsj.com published a list of stocks to watch.
Vanguard Information Technology ETF (VGT) recommended for growth.
On September 5, 2025, Jennifer Saibil recommends the Vanguard Information Technology ETF (VGT) as a growth investment. VGT's 10-year annualized gain is 22.4%, outperforming the S&P 500.
Money Management 101
Strategies to rebuild emergency funds after stimulus checks ended.
On September 6, 2025, the article highlights strategies to rebuild emergency funds, addressing the financial strain after stimulus checks ended. It suggests treating savings as mandatory, monetizing assets, and starting with small, consistent contributions.
GOBankingRates: 25 financial strategies to implement before summer ends.
On September 6, 2025, GOBankingRates published a list of 25 financial strategies to implement before the end of summer. These strategies include checking bank accounts daily to prevent fraud and assessing home insulation to save on energy costs.
Financial literacy biggest barrier for 74% of women small business owners.
On Sep 7 2025, Melissa Houston reported that 74% of women small‑business owners see financial literacy as their biggest barrier and 90% say it blocks growth. She offers five steps to help women entrepreneurs build profit, scale, and wealth.
Retirement Ready
Kiplinger: 'Vinyl Rule' for retirement planning.
On September 6, 2025, Kiplinger discussed the 'Vinyl Rule' of retirement, advocating for planning that considers both the active early years and the slower later years. The article highlights the need to manage finances for both phases.
Social Security insufficient for retirees in Florida, Arizona, Colorado, Wyoming.
In 2025, an analysis reveals that Social Security benefits alone are insufficient for retirees in popular states like Florida, Arizona, Colorado, and Wyoming. Retirees need to supplement their income by approximately $4,200 to $5,000 per month to cover living expenses.
Kevin O’Leary proposes retiring with $500,000.
In 2025, Kevin O’Leary proposed a retirement plan centered around retiring with $500,000. He suggested that careful investing, such as in high-yield savings accounts or S&P 500 index funds, can generate sufficient income.
Smart Saving Strategies
Kiplinger: Outsmarting inflation is key to protect retirement, education funds.
On September 7, 2025, Kiplinger published an expert guide emphasizing that underestimated inflation erodes purchasing power. The article highlights considering category-specific inflation rates and real rates of return in financial planning.
Seven U.S. states most at risk of stagflation.
On 2025-09-06, financial experts identified seven U.S. states as most at risk if the country enters a period of stagflation. Residents are advised to save, diversify income, and consider relocating.
Hawaii civil servant reached $1 million in savings at age 40.
Kiplinger's 'My First $1 Million' series profiles a 55-year-old federal civil servant in Hawaii who reached $1 million in savings at age 40. He achieved this through consistent investing in DRIPs, low-fee index funds, and dividend-reinvestment programs.
Forbes: Avoid 'get-paid-to' sites, focus on scalable side hustles.
On September 7, 2025, Forbes published an article advising side hustlers to avoid 'get-paid-to' sites and dropshipping cheap products. Instead, they recommend focusing on newsletter micro-niches, smart renting of low-maintenance properties, local service arbitrage, and skills-on-demand tutoring.
Focus on savings/investment rate, not trivial daily expenses.
On September 5, 2025, Ramit Sethi pointed out that to build long-term wealth, one should focus on the '5 million yen problem,' such as savings/investment rate and debt repayment timing, rather than trivial daily expenses.
Entrepreneurship, wise investing led to first-generation millionaire status.
On September 6, 2025, Brice Connors shares the financial decisions that led him to become a first-generation millionaire. These include embracing entrepreneurship, investing wisely, maintaining a disciplined budget, and building a strong financial foundation.