My Time Equity

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My Time Equity (Official Page) MyTimeEquity is a Dallas, TX based RIA firm owned by Sudhir Pai, Portfolio Manager and Asset Allocator in Equities, Real Estate, and Ventures.

We offer tax saving focused investments as well.

10/17/2026

Tech just had its worst week since June. Chip stocks fell 8 days in a row and AI names came under pressure.

Sudhir Pai’s take:
• The Nasdaq 100 fell 2.5% on Friday and 5.5% for the week. The S&P 500 lost 1.9% for the week, its worst since late June.
• Chip stocks fell for 8 straight sessions, and Brent crude touched $110 for the first time since May.
• The VIX jumped about 21% on monthly options expiry. Defensive sectors held up: utilities and consumer staples each rose more than 1% on Friday.
• CoreWeave fell 12% on Friday and 25% for the week as investors questioned the debt behind the AI build-out. It sits about 67% below its June 2025 peak.
• Reuters reports some investors are discussing a $1.5 trillion valuation for Anthropic’s planned IPO, down from about $2 trillion floated earlier.
• Earnings are holding up. 84% of S&P 500 companies that have reported beat profit estimates, per FactSet. Meta and Tesla report on Wednesday.

His view: when one theme drives this much of the market, diversifying across sectors and asset classes is very important.

🎙️ Live webinar today, 11 AM Central: Election Volatility vs. Inflation Fears. Register through the link in our bio.

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📞 (972) 330-2771

EarningsSeason MyTimeEquity

MyTimeEquity is a registered investment adviser. Information shared is for educational and informational purposes only and should not be construed as investment, legal, tax, or accounting advice, or as a recommendation to buy or sell any security. Views expressed are subject to change without notice.

10/16/2026

Wholesale prices jumped 1.3% in September, the biggest monthly rise since March 2022. Stocks dipped, then held their ground.

Sudhir Pai’s take:
• A choppy day. The S&P 500 dipped below its 50-day average and closed up 0.33%. The Nasdaq 100 swung about 2% before ending nearly flat.
• More stocks joined in. Equal-weight S&P, mid caps and small caps each rose more than 1%, and the VIX eased to 16.46.
• Producer prices (PPI) rose 1.3% for the month against 0.5% expected, the second hot inflation report in two days. Long-term Treasury yields pulled back.
• TSMC grew revenue 41% from a year ago and beat estimates, yet the stock fell 1.8%. Dell and Hewlett Packard Enterprise fell about 17% and 15% over two sessions after big gains this year.
• Gold, silver and bitcoin bounced, but they still trail stocks this year.
• Today: monthly options expiry, and earnings season continues.

His view: look at the big picture and stay patient.

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📩 [email protected]
📞 (972) 330-2771

EarningsSeason MyTimeEquity

MyTimeEquity is a registered investment adviser. Information shared is for educational and informational purposes only and should not be construed as investment, legal, tax, or accounting advice, or as a recommendation to buy or sell any security. Views expressed are subject to change without notice.

10/15/2026

Hot inflation ended a long calm. The S&P 500 fell 1.11% on Oct 14, its first 1% drop in 53 sessions.

Sudhir Pai’s take:
• September inflation came in hot. Prices rose 3.7% over the past year, up from 3.4% in August, and core prices rose 0.3% for the month against 0.2% expected. Gasoline drove over half of the monthly rise.
• Stocks sold off broadly. The Nasdaq 100 and small caps fell about 2%, while health care and consumer staples each rose more than 2%.
• Prediction markets raised the odds of another Fed rate hike: 35% for the Oct 28 meeting on Wednesday afternoon (Kalshi), and about 80% for a hike before year-end.
• Earnings: BlackRock rose on record assets of $15.49 trillion. Morgan Stanley fell with the market. Bank of America missed, with a $1.2 billion regulatory charge. ASML posted record sales and said customers are asking to order for 2029 and 2030.
• CoreWeave fell 15.5% after a Gartner warning on AI cloud providers. The question in the market: can AI revenue pay back AI debt?
• Today: TSMC results, and Fed Chair Kevin Warsh speaks at 11:30 p.m. ET.

His view: stay patient and disciplined.

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📩 [email protected]
📞 (972) 330-2771

EarningsSeason MyTimeEquity

MyTimeEquity is a registered investment adviser. Information shared is for educational and informational purposes only and should not be construed as investment, legal, tax, or accounting advice, or as a recommendation to buy or sell any security. Views expressed are subject to change without notice.

10/14/2026

The 10-year Treasury yield is above 5%, and rates are now the key driver for stocks.

Sudhir Pai’s take:
• Markets were quiet on Oct 13. The S&P 500 finished flat, while the Nasdaq and Dow slipped. The Magnificent 7, energy and utilities held up well.
• Rates are the story. The 10-year yield has climbed from about 4.1% to 5.2% over the past year, pushed up by high oil prices, heavy government borrowing and tech borrowing for data centers.
• Bank earnings were split. Goldman Sachs and Citi beat, while JPMorgan and Wells Fargo missed. All four sounded cautious about higher yields, inflation and a hawkish Fed.
• In health care, Johnson & Johnson posted solid results, but the stock fell on margin pressure, lawsuit charges and weak device sales. UnitedHealth beat and raised guidance, helped by releasing claims reserves.
• Reporting today: ExxonMobil, ASML, Bank of America and BlackRock.

New on our blog: Why is Gold Falling Despite High Inflation? Read it at mytimeequity.com/insights

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MyTimeEquity is a registered investment adviser. Information shared is for educational and informational purposes only and should not be construed as investment, legal, tax, or accounting advice, or as a recommendation to buy or sell any security. Views expressed are subject to change without notice.

10/13/2026

Market Minute ⏱️ | Oct 13

Bank earnings season kicked off this morning, a day after a China memory-chip headline hit chip stocks.

Sudhir Pai’s take:
• Chips fell about 2% yesterday while the S&P 500 finished flat and the Dow rose 0.4%. The reason: China’s CXMT is moving into advanced server memory, a signal that a lot more supply could be coming and that demand for US chipmakers could come under pressure. Korea’s KOSPI fell 5.5% overnight, led by Samsung and SK Hynix
• The bright spot is breadth. About half of S&P 500 stocks are back above their 200-day moving average, up from roughly 40% in September. One to watch: credit card delinquencies are back to 2010 levels
• This morning’s earnings: UnitedHealth beat and raised its full-year guidance, Goldman Sachs posted a very strong beat, and Citigroup’s profit jumped with its best third-quarter revenue in a decade. JPMorgan missed expectations, Wells Fargo was mixed, and Johnson & Johnson raised its outlook on strong drug sales

His view: watch all the earnings that come out over the next few weeks. Bank of America, Morgan Stanley and BlackRock report tomorrow.

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Investing MyTimeEquity

MyTimeEquity is a registered investment adviser. Information shared is for educational and informational purposes only and should not be construed as investment, legal, tax, or accounting advice, or as a recommendation to buy or sell any security. Views expressed are subject to change without notice.

10/12/2026

Market Minute ⏱️ | Oct 12

Stocks ended last week near their highs, and three busy weeks of earnings now put that to the test.

Sudhir Pai’s take:
• Bonds set the tone. After weeks of selling, a solid 10-year auction drew strong demand, while Fed minutes point to another possible rate hike by year-end with oil near $100
• AI sentiment is still sensitive. A Financial Times report put OpenAI’s net annualized revenue near $50 billion, below a $70 billion gross figure cited earlier, and sparked a brief sell-off even as AI suppliers say they are sold out into 2029
• Tech still leads the trend, while small caps and financials sit close to correction territory. Rising rates tend to hit smaller companies hardest

He is watching bank credit, cloud spending and yields closely. In his view, a resolution in the Middle East could be the biggest upside catalyst, since lower oil prices could ease pressure on inflation and rates.

Thinking about converting a traditional IRA to a Roth? Talk to us about planning around the taxes. Tax outcomes vary by situation.

Missed our weekly webinar? It’s every Saturday at 11am Central.

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RothConversion Investing MyTimeEquity

MyTimeEquity is a registered investment adviser. Information shared is for educational and informational purposes only and should not be construed as investment, legal, tax, or accounting advice, or as a recommendation to buy or sell any security. Views expressed are subject to change without notice.

10/09/2026

Market Minute ⏱️ | Oct 9

Tech took its first real hit in a while, but the money rotated instead of leaving.

Sudhir Pai’s take:
• A Financial Times report put OpenAI’s revenue about $20 billion below earlier figures, and the Nasdaq 100 fell more than 1.3% before the market bounced back quickly
• Small caps held their 200-day moving average and Bitcoin is recovering. Money moved into energy, gold, miners and staples, and financials led the rally
• Some long-dated crude futures hit record highs, a sign inflation may stay sticky, while a stronger Treasury auction steadied the 10-year yield

The bull market is in its fourth year. By one measure, bull markets since 1950 have averaged about five and a half years. Past performance does not guarantee future results. Earnings season starts next week with the big banks, and seasonally, markets tend to be choppy into mid-October.

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OilPrices Investing MyTimeEquity

MyTimeEquity is a registered investment adviser. Information shared is for educational and informational purposes only and should not be construed as investment, legal, tax, or accounting advice, or as a recommendation to buy or sell any security. Views expressed are subject to change without notice.

10/08/2026

Market Minute ⏱️ | Oct 8

A record high, then a defensive day as yields climbed.

Sudhir Pai’s take:
• After setting a new all-time high, the market turned defensive. Healthcare was the only sector to finish higher, while small caps and industrials fell. Yields have been the problem
• Nvidia and the Nasdaq 100 held near their all-time highs, and most of the strength is coming from technology. Fewer than 30% of S&P 500 stocks are above their 50-day moving average, compared with 51% for the Nasdaq 100
• The 30-year yield is near 5.7%, a 20-year high, yet the S&P 500 is still up about 14% this year

The consumer is starting to feel some pressure. In August, spending rose 0.9% while income grew just 0.2%, which means households are dipping into their savings. Mid-October volatility ahead of the midterms is the next test, and bank earnings begin on Tuesday.

What matters most is your risk tolerance: how long can your money stay invested before you need it?

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ConsumerSpending WealthManagement MyTimeEquity

MyTimeEquity is a registered investment adviser. Information shared is for educational and informational purposes only and should not be construed as investment, legal, tax, or accounting advice, or as a recommendation to buy or sell any security. Views expressed are subject to change without notice.

10/07/2026

Market Minute ⏱️ | Oct 7

Another record high for the market, but the breadth underneath is weak.

Sudhir Pai’s take:
• Markets closed at a record high led by tech. Nvidia set a fresh high before fading, and the S&P 500 stalled near 7,850
• Nearly 29% of Russell 3000 stocks are down 30% or more from their highs, while Nvidia alone is worth more than the staples and energy sectors combined
• The economy looks like an inflationary boom: AI spending is keeping copper firm, long-dated oil futures are making higher highs, and the 10-year yield sits at 5.3%

Money is quietly rotating: utilities rose more than 3% on data center power demand, and the nuclear ETF was up almost 13%. Volatility tends to rise into mid-October in midterm years, so he is staying watchful as earnings season begins next week.

Signing off from Las Vegas, heading home to Dallas tonight.

📩 [email protected]

Investing WealthManagement MyTimeEquity

MyTimeEquity is a registered investment adviser. Information shared is for educational and informational purposes only and should not be construed as investment, legal, tax, or accounting advice, or as a recommendation to buy or sell any security. Views expressed are subject to change without notice.

10/06/2026

Market Minute ⏱️ | Oct 6

Two big moves to know: Brazil had a breakout, and the Nasdaq closed at an all-time high.

Sudhir Pai’s take:
• Bolsonaro beat Lula in the first round of Brazil’s presidential election, and the Brazil ETF jumped 13%, its best day since 2020
• The Nasdaq closed at a record 27,477, up 1%. Chip stocks are lagging while everything else climbs
• The 10-year yield pulled back to 5.3% after a 24-year high, and oil is back below $100, which is good for inflation

His view: the AI trade is carrying this market and dips are getting bought quickly. Where he sees value today: quality large-cap stocks, gold and crypto.

Coming to you from Las Vegas this week.

📩 [email protected]

Investing WealthManagement MyTimeEquity

MyTimeEquity is a registered investment adviser. Information shared is for educational and informational purposes only and should not be construed as investment, legal, tax, or accounting advice, or as a recommendation to buy or sell any security. Views expressed are subject to change without notice.

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4116 Spring Creek Pkwy, Unit 100
Plano, TX
75024

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+14697021272

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