Understanding defined-benefit and defined-contribution plans
The pension is defined-benefit with a fixed payout, while a 401(k) or 403(b) is defined-contribution, where contributions are set but future value depends on investments. Today pensions are rarer, and employees bear more saving and investing responsibility. For a house down payment, avoid stocks for funds needed in five to ten years. use high yield savings, money market, or CDs.
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Fool.com
Bankrate.com
Fool.comy Money
Stock splits explained and cautions from The Motley Fool
Stock splits multiply share count but adjust price so total value stays same. Examples show 4-for-1 and 50-for-1 splits, including a Chi potle Mexican Grill case. Reversals reduce shares and raise price. Prospects and total value unchanged. price alone does not determine bargains or future gains.
MENTIONED IN THIS ARTICLE
Wireless Pie Co
WIPIE
Chipotle Mexican Grill
Regretful investor reflects on Apple and Netflix bets
A reader recalls missing major profits from holding Apple and Netflix longer. The piece notes learning to ignore scare headlines and to assess long term growth, praising staying true to strong companies for years or decades. It invites reader submissions.
MENTIONED IN THIS ARTICLE
Apple
Netflix
Name That Company From Indiana Roots
A 1876 Indianapolis founded firm by a Civil War veteran developed products to ease pain. It served WWI soldiers in France, launched the first commercially available insulin in 1923, mass produced penicillin in the 1940s, and helped manufacture the Salk polio vaccine. Now valued over 700 billion dollars, it focuses on diabetes, Alzheimer's, immune disorders, and cancer, employing 46,240 people globally.
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Indianapolis
France
United States
Meta Platforms AI Growth Drives Advertising Momentum
Meta Platforms shows robust ad revenue growth and a leading AI chatbot base with Meta AI reaching over 500 million monthly users in Q3. Early October data indicate more than 1 million advertisers used generative AI tools to generate over 15 million ads, underscoring AI's role in monetization. The Motley Fool holds Meta shares and notes a solid P/E around 29 amid policy controversies and rapid profit expansion.
MENTIONED IN THIS ARTICLE
Meta AI
Facebook
Meta
Meta Platforms
Motley Fool
Randi Zuckerberg
Mark Zuckerberg
UnitedHealth CEO vows cost, claims fixes after Thompson killing
UnitedHealth Group CEO Andrew Witty spoke on a Thursday conference call about improving prior authorization and claims processing amid investor questions after the December murder of Brian Thompson, head of UnitedHealthcare's health insurance unit. Witty said the system needs fixes to reduce confusion while stressing value based care and rebates transparency. The company posted 2024 Q4 earnings of 5.54 billion with revenue of 100.8 billion and forecast 2025 adjusted profit of 27.1 to 27.7 billion on 450 to 455 billion in revenue.
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UnitedHealth Group
U.S
Andrew Witty
Eden Prairie
Minnesota
New York City
Witty
Thompson
America
United Healthcare
John Boylan
Edward Jones
Luigi Mangione
Mangione
UnitedHealthcare
Optum Ax
Optum Rx
PBM
Optum
Lseg Data and Analytics
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