My Time Equity, 4116 Spring Creek Pkwy, Unit 100, Plano, TX (2026)

08/15/2026

On the occasion of India’s 80th Independence Day, MyTimeEquity wishes you and your family happiness, prosperity, and continued success.

May the spirit of freedom, unity, and progress inspire us to build a brighter future together.

Happy Independence Day!

07/28/2026

Market Update: 28 July 2026

Stocks closed mixed on Monday as the busiest week of earnings season got underway. Nvidia dropped 5% on renewed worries about circular financing, tied to reports of a $250 billion Nvidia OpenAI data center financing and backstop deal. That pulled the Nasdaq 100 down 0.3%, while the S&P 500 stayed roughly flat. Safer, steadier sectors like healthcare are holding up better right now.

ASML fell more than 6% after news that a Chinese firm in Shanghai has started mass producing DUV lithography equipment, which could threaten ASML's business in China. Oil prices pulled back sharply, and that helped lift almost everything outside of big tech, including financials, industrials, small caps, and international markets.

In South Korea, the market fell 10% this morning after more than 1.2 million leveraged trading accounts piled in, and around 400,000 of them got wiped out.

The Nasdaq 100 is now testing support at its 100 day moving average and is down about 10% from its all time high. The S&P 500 is holding up better, still within 3% of its record high, and trying to reclaim its 50 day moving average. Tech has been under the most pressure, especially semiconductors, after their huge rally off the March lows.

On the earnings front, 27% of S&P 500 companies have reported so far, and 89% of them have beaten expectations, with earnings growth running at 38%, well above forecasts.

With Microsoft, Meta, Apple, and Amazon reporting this week, along with the Fed's decision on Wednesday, semiconductors and big tech remain the areas to watch most closely.

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MyTimeEquity is a registered investment adviser (RIA) based in Plano TX. 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. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Views expressed are subject to change without notice.

07/20/2026

Market Update: 20 July 2026

Last week the market pulled back. The S&P 500 dropped about 1.5%, the Nasdaq fell 4.0%, and semiconductors got hit hardest, with a key tech momentum measure falling 40% in 18 days, the worst since 1998.

But beyond the headlines, the picture looks calmer. Small and mid-caps were roughly flat, regional banks hit new highs, and the average S&P 500 stock held up well. The VIX rose but stayed below the 20 level that signals real panic. This looks more like deleveraging and healthy rotation than a breakdown.

The trigger was Chinese company Moonshot releasing an open-source AI model, Kimi, that rivals top U.S. models at a fraction of the cost, reviving fears that closed models from OpenAI and Anthropic could struggle to monetize. South Korea's AI-heavy market dropped sharply on over a million margin calls, and even upbeat updates from SK Hynix, ASML, and TSMC couldn't stop their stocks from falling.

Fundamentals still look solid. With 8% of S&P 500 companies reporting, sales are beating estimates by 4% and profits by 16%. Banks posted strong results, and big tech balance sheets remain nearly debt-free. Tech valuations sitting 18-20% below their five-year average suggest investors are pricing in a pause, not a problem.

The macro backdrop helps too: growth is solid, inflation is cooling, and the Fed sounds more reform-minded than hawkish.

Two risks remain: a reignited Iran conflict amid low U.S. oil reserves, and automated trading strategies that can amplify sudden swings across markets.

Software has outperformed chips since June. This week's earnings from Tesla, Alphabet, Intel, and IBM will show whether this was just a shakeout or something bigger.

Join our WhatsApp group for daily updates and the latest from us: https://bit.ly/MyTimeEquity-2of2

MyTimeEquity is a registered investment adviser (RIA) based in Plano TX. 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. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Views expressed are subject to change without notice.

Explore open Structured Note Opportunities: https://www.mytimeequity.com/structurednotes

Stay on target, write to [email protected] to learn about actively managed portfolios, direct indexing and tax loss harvesting, structured notes, crypto fund, and alternative investments.

07/15/2026

Market Update: 15 July 2026

Markets rebounded yesterday after Monday's sharp sell-off. The S&P 500 rose 0.4% and the Nasdaq 100 gained over 1%, as buyers stepped back in following the pullback.

Tech & Banks led the recovery, with major banks beating estimates across the board. Consumer spending stayed healthy, businesses kept investing, and a pickup in capital markets and investment banking activity added to earnings growth. Put together, this points to an economy that's still in decent shape.

IBM told a different story. The stock posted its largest single-day drop on record, down roughly 25%, as clients shift priority toward AI infrastructure amid ongoing supply constraints, and the company struggles to keep pace with that shift.

On inflation, core CPI for June came in flat at 0%, well below the 0.2% expected. That eases some of the pressure around a rate hike this year, provided the labor market holds up too.

Zooming out, the broader trend still looks intact, with markets pushing back toward record highs. This week brings a heavy earnings slate, more banks, TSMC, and Netflix, with the Mag 7 following next week.

Sudhir Pai, Supriya Pai

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MyTimeEquity is a registered investment adviser (RIA) based in Plano TX. 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. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Views expressed are subject to change without notice.

Explore open Structured Note Opportunities: https://www.mytimeequity.com/structurednotes

Stay on target, write to [email protected] to learn about actively managed portfolios, direct indexing and tax loss harvesting, structured notes, crypto fund, and alternative investments.

07/14/2026

Market Update: 14 July 2026

Markets fell sharply as tensions between the U.S. and Iran picked up again over the weekend, with fresh strikes near the Strait of Hormuz. The S&P 500 dropped 0.8% and the Nasdaq 100 fell nearly 2%, and it was worse than it looked on the surface. AI and chip stocks took the biggest hit, with hardware, equipment makers and memory chip companies selling off hard.

Software, energy, utilities and other safer, steadier stocks held up better, while gold, silver and crypto fell along with the broader market.

Oil jumped nearly 13% off Friday's lows to close in on $82 a barrel, after President Trump announced a naval blockade on Iranian ports and a 20% toll on cargo passing through the strait. A bigger concern is that oil prices for delivery well into next year are also rising, which tells the market doesn't expect this conflict to end quickly.

Despite all the noise, the broader market looks healthier than the headlines suggest. The S&P 500 and Dow are still near record highs, and the number of stocks trading above their average price over the past 50 days is neither too high nor too low, so there's no sign of panic.

As we have said before, we think markets will test the new Fed chair, and there's a good chance of a 7 to 10% pullback within three months once he takes over.

That said, company earnings are still growing at a strong 23 to 24% pace for Q2, and bank earnings are coming out this morning, which should give us a clearer read on where things stand.

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Stay on target, write to [email protected] to learn about actively managed portfolios, direct indexing and tax loss harvesting, structured notes, crypto fund, and alternative investments.

07/13/2026

Market Update: 13 July 2026

Markets bounced last week, and the real story wasn't the price swings, it was what's happening underneath. Renewed U.S.-Iran fighting and Ukraine's strikes on Russian energy sites pushed oil and fuel prices higher.

More importantly, the Fed chair picked leaders for five new working groups, and their makeup signals where policy is heading: less public guidance on future rates, a smaller Fed balance sheet, more real time private data, and an inflation view that finally accounts for government spending, not just interest rates.
Nothing changes immediately, but positioning ahead of that shift is where the opportunity lies.

Stocks still finished the week near highs. SK Hynix's U.S. listing pulled money into memory and AI infrastructure names, while Meta jumped on plans to sell spare computing capacity and a new AI model. The supply crunch keeps tightening too: memory shortages are now expected to last past 2030, and Microsoft, Google, Amazon, and Oracle together hold nearly $2 trillion in unfilled orders. We still believe we are early in this cycle, especially as consumer AI assistants become the next major driver.

Earning season starting tomorrow: Banks report Tuesday, TSMC and Netflix Thursday. Cash on the side lines is thin, and leverage is elevated.

The real test isn't this week's price action. It's whether appetite for debt and risk holds once earnings actually land.

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07/10/2026

Market Update: 10 July 2026

Stocks rallied yesterday, with the S&P 500 up 0.8% and small and mid caps leading the way at 1.3%. Tech paced the gains, with semiconductors reversing sharply off Tuesday's lows.

The spark came from Meta's new coding model, priced far below frontier rivals, which flipped the stock from down 4% to up 5% intraday. SK Hynix added to the momentum, raising $26.5 billion in an offering that was oversubscribed seven times, and semiconductor demand showed up elsewhere in the market too.

That enthusiasm sits against a striking backdrop. XLK's 100 day outperformance versus the S&P recently hit over 25%, more than three standard deviations above its long run average of 1 to 2%, a level seen only twice before in market history in late 90s. Inside tech, semiconductors have run far ahead of large cap tech, up roughly 90% year to date against just 1.2% for the Mag 7, setting up a possible rotation into the value side of tech in the second half of the year.

Bond spreads show no signs of panic though, and financials and healthcare have quietly outperformed in the background. TSM's preliminary earnings on July 16, followed by bank earnings and results from mega cap tech, should decide which read on this market ultimately wins out.

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MyTimeEquity is a registered investment adviser (RIA) based in Plano TX. 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. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Views expressed are subject to change without notice.

07/09/2026

Market Update: 9 July 2026

Markets sold off sharply on Wednesday after President Trump declared the Iran ceasefire over, but stocks staged an intraday recovery, with the S&P 500 closing down 0.3% and the Nasdaq 100 up 0.3%. The bright spot was semiconductors and hardware, lifted by news of Apple's $30 billion commitment to Broadcom for U.S. chip production.

Underneath the headline numbers, the session was choppier than it looked. Value, small caps, and mid-caps fell ~1.0%, with only mega-cap tech and select defensives keeping the broader indices intact. Crude oil jumped on the news, pushing rates and the dollar higher while gold, silver, and crypto slid. The 30-year yield broke back above 5.0%.

FOMC minutes released the same day showed officials broadly favoured holding rates steady, though a few flagged a case for hikes, and Fed staff nudged up their 2026 to 2027 inflation forecasts.

Technically, the Nasdaq 100 remains slightly below its 50-day moving average and is trying to reclaim that level this morning, while the S&P 500 found support there and continues to trade above key moving averages, just 2% from all-time highs.

We are currently in a seasonally favoured stretch for equities and other risk assets. That said, incoming macro data & news flow along with earnings could still reshape positioning heading into the end of July.

Join our WhatsApp group for daily updates and latest from us: https://bit.ly/MyTimeEquity-2of2

Stay on target, write to [email protected] to learn about actively managed portfolios, direct indexing and tax loss harvesting, structured notes, crypto fund, and alternative investments.

07/08/2026

Market Update: 8 July 2026

U.S. stock markets fell on Tuesday. The S&P 500 dropped about 0.5%, and the Nasdaq 100 fell 1.8%, mainly because investors sold semiconductor stocks to lock in profits after a huge earnings report from Samsung.

Money moved out of tech stocks and into safer areas like communication services, healthcare, everyday goods (staples), and utilities. Energy stocks did the best, rising 2.8%, as oil jumped 5% on worries about shipping disruptions near the Strait of Hormuz. Meanwhile, metals & crypto all fell, while the U.S. dollar and 10-year bond yields moved higher.

Two pieces of news triggered the selloff. First, reports came out that China's DeepSeek is building its own AI chips. Second, Samsung reported blowout earnings, with profits driven by such strong demand for memory chips that the company couldn't produce enough to keep up. But even with those strong results, Samsung's stock fell 7%, because investors had already priced in the good news over the past few months and used the report as a reason to sell.

Chip and memory stocks have been hit especially hard, falling anywhere from 14% to 28% in just the last two to three weeks. Outside of tech, though, the market looks healthier. The Dow, the equal-weighted S&P 500, and small-cap stocks are all holding up well and staying close to their recent highs.

Looking ahead, second-quarter earnings season kicks off next Monday, July 13, when major banks start reporting results.

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07/07/2026

Markets had a strong day yesterday. Tech, financials, and industrials led the gains, while small caps lagged. The S&P 500 rose 0.7% and the Nasdaq 100 climbed 1.5%, with more stocks joining the rally. Services data matched expectations, keeping hopes alive for future rate cuts.

Today, Samsung beat earnings estimates and hinted at a 20% price hike on memory chips, while Foxconn posted a 40% jump in sales to $79 billion, both signs that AI infrastructure demand is holding up. But Samsung's stock still fell 6% on the day, showing the market isn't rewarding good news anymore. SK Hynix going public on July 10 in the U.S. adds to a year already packed with companies raising capital.

That's what makes earnings season so important right now. Banks and TSMC report next week, and their numbers will show how economy is holding up and whether heavy AI spending is still paying off.

Gold and Bitcoin are both rising recently, and testing resistance levels after a stretch of money pulling out of ETFs. July has historically been a good month for most assets. But watch the money flow between semiconductors and software, that rotation will show whether the AI spending story still has legs.

Join our WhatsApp group for daily updates and latest from us:
https://bit.ly/MyTimeEquity-2of2

MyTimeEquity is a registered investment adviser (RIA) based in Plano TX. 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. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Views expressed are subject to change without notice.

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