C. A. Heart School of Financial Literacy & Legacy Engineering

C. A. Heart School of Financial Literacy & Legacy Engineering Financial Education! Teaching individuals how to select, analyze & purchase individual stocks & ETFs.

09/05/2026

Year-to-date, the S&P 500 has gained 11.92%, noticeably outperforming its 30-year average annual return of 10.77%. Meanwhile, Apple is scheduled to unveil its latest iPhone models this Wednesday, and it will be interesting to observe how the announcement influences the company's stock performance.
The following are the results of the Schwab portfolio report for the last two weeks.
Regular Investment account:
28 August 26:
ANET +3.57%.
AAPL +3.35%.
SANM +2.71%.
STRL -8.96%.
FIX -8.27%.
PSI -7.57%.
Roth Account IRA:
AAPL +3.35%.
SPCX +3.31%.
LITE +3.26%.
AGX -16.72%.
AAOI -14.89%.
JEDI -7.72%.

Now for last week 4 Sept 26.
Regular Investment account:
VRT +9.12%.
FIX +6.03%.
IESC +4.12%.
CIEN -15.18%.
AIR -4.99%.
AMAT -1.51%.
Roth IRA account:
MUU +17.37%.
SNDK +17.17%.
DELL +14.88%.
NWPX -3.89%.
AMZN -2.9%.
JEDI -2.73%.

09/02/2026

Today, the 10-year Treasury bond yield rose to 4.816%, marking its highest level since November 2023. As mentioned in previous posts, this yield is one of the key indicators I monitor to assess recession risks. I am re-sharing that context below for any new students.

I have been investing in individual stocks and Exchange-Traded Funds (ETFs) for 18 years, and I track the following data points to help determine whether the economy is heading toward a recession:

Inflation Metrics: Monitoring the Consumer Price Index (CPI) and Producer Price Index (PPI).
Labor Market: Tracking the unemployment rate via the monthly jobs report.
Energy Costs: Watching the price of oil per barrel.
Valuations: Checking whether the S&P 500 P/E ratio exceeds 25.
Market Momentum: Observing the S&P 500 and the velocity of any market declines.
Treasury Yields: Monitoring the 10-year bond interest rate to see if it crosses 5%.

Currently, the data does not indicate that the stock market is heading into a recession. While a 10% market pullback is always possible, periodic corrections are standard market behavior.
In my own portfolio today, I expanded my position in QTUM within my Roth IRA.

09/02/2026

Deutsche Bank issued a Buy rating on Arista Networks (ANET)—the stock whose chart I shared yesterday. The company has delivered three consecutive years of strong financial results, beating analyst earnings expectations by more than 5% every quarter.
Broader market pressures picked up today, with interest rates and oil prices rising while major indexes moved lower.
In response, I made a few adjustments across my accounts today:
Regular Investment Account: Added to my existing positions in PSI and SMH. I also initiated a new position in RSP to help provide downside protection if the technology selloff continues.
Roth IRA: Added to my position in SMH.
Orders & Strategy: Canceled all open limit orders for tech stocks and ETFs.
Given the recent volatility and the fact that we are heading into historically weak months for the market, I am shifting toward cash conservation to manage risk.

In August, the S&P 500 gained 3.34%, bringing its year-to-date return to 11.45%. Investors are keeping a close watch as ...
08/31/2026

In August, the S&P 500 gained 3.34%, bringing its year-to-date return to 11.45%. Investors are keeping a close watch as the market enters September, historically the stock market’s weakest month of the year.
Today marks Tim Cook's final day as CEO of Apple after a 15-year tenure during which the company's stock surged an impressive 2,740%. John Ternus now steps into the role as Apple's new CEO.
Looking ahead to Friday, all eyes will be on the August nonfarm payrolls report. Wall Street analysts expect job growth to land between 45,000 and 58,000 positions, with the unemployment rate projected to hold steady at 4.1%.
Take a look at the attached chart showing three consecutive years of earnings reports where this company beat consensus estimates by more than 5% every single quarter (marked by the green upward arrows). A streak this consistent is remarkably rare. Any guesses on which company this is?

08/30/2026

On Friday, new Federal Reserve Chairman Kevin Warsh signaled a potential 0.25% interest rate hike for September. Higher interest rates often pressure the stock market because rising bond yields make fixed income more appealing, leading investors to reallocate capital from stocks to bonds.
Following an analysis of my Roth IRA portfolio on Friday, I decided to eliminate AIQ and PTF because they failed to outperform my benchmark ETF, XLK. Additionally, I submitted limit orders to liquidate my positions in AIFD and DRAM, and increased my stake in XBI.

08/27/2026

Today, I reviewed the Exchange-Traded Funds (ETFs) in my taxable investment account and decided to sell IQM, QQQ, VTI, and XNTK. These funds have been underperforming relative to my benchmark ETF, XLK. I plan to reallocate the proceeds from these sales into FTXL, PSI, and SOXQ during future Market pullbacks.

08/26/2026

Today, the Personal Consumption Expenditures (PCE) price index increased by a seasonally adjusted 0.2% for the month, bringing the annual inflation rate to 3.7%. Excluding volatile food and energy costs, Core PCE posted monthly and annual gains of 0.2% and 3.3% respectively, aligning with consensus forecasts. While the Federal Reserve tracks both metrics, policymakers generally consider Core PCE a more reliable indicator of long-term inflation trends. Additionally, the report highlighted a 0.4% increase in personal income.
On the portfolio side, I expanded my existing positions in SOXX, USD, and XNTK within my taxable investment account.
In my Roth IRA, I initiated a new position in EUV, a relatively new ETF.

08/25/2026

For those who are new to our group—welcome! If you notice me repeating certain key concepts, it is because we are constantly welcoming new members, and I want everyone to build the same strong foundation as those who joined earlier.
Tomorrow we will receive the Personal Consumption Expenditures (PCE) report, which is the Federal Reserve's preferred inflation gauge. Last month's reading came in at 3.7%, down from 4.1% the previous month. Let's hope this upcoming report shows further cooling in inflation.
Today in my Roth IRA, I added to my position in NVT.

08/24/2026

According to FactSet as the 2nd Qtr Earnings Season winds down 88% of the S&P 500 companies have reported their companies earnings and 86% of them have beat their earnings per share estimate. That beats both a 5 year and the 10 year average by 78% and 76% respectively. The average EPS beat was 29.2% which is significantly higher than the 5 year average of 7%. In other words, this has been a great earning season! I believe this data center and technology sell off has nothing to do with a lack of demand.
Today in my regular investment account, I added to my positions in SMH, SOX & VICR.
In my Roth IRA today, I added to my positions in AIFD, LABU, SMH, SOXY & TECL.

08/22/2026

The Standard & Poor's 500 index fell 1.4% last week, its first weekly loss in a month. The index has gained 2.5% in August and 12% in 2026. The Utilities Sector had the largest percentage loss this week, falling 3.6%, followed by a 3.4% drop in the Industrial Sector and a 3.2% decline in the Technology Sector. The Health Care Sector climbed 4.3%, followed by a 2.5% increase in the Energy Sector and a 2.3% gain in the Materials Sector.
In my Roth IRA yesterday day, I added to my posit
The following are the results of the Schwab Weekly Portfolio report.
Regular investment account:
ARKB +22.54%.
ILMN +14.94%.
ARKG +13.81%.
VICR -14.57%.
AEIS -13.45%.
FLEX -12.45%.
Roth IRA account:
LABU +14.70%.
LLY +6.38%.
TSLA +6.02%.
WDCX -19.85%.
AAOI -16.94%.
SOXL -16.80%.

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