ARTICLES & INSIGHTS

Read all of the latest articles and insights from the Confluent team. Our team covers a wide variety of topics that impact the financial world and more importantly the outlook and effect current events have on our client’s investments.

Finance & You

How Thanksgiving Week Historically Impacts the Stock Market

Thanksgiving week has long been a period of interest for investors, analysts, and traders who study seasonal market patterns. While no single holiday can guarantee performance, historical data shows that Thanksgiving week often brings a mix of positive market sentiment, lighter trading volume, and unique short-term opportunities. Understanding these trends can help investors better navigate year-end market dynamics and position portfolios strategically.

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Finance & You

IRS Raises IRA Contribution Limit for 2026: What Savers Need to Know

The IRS has announced a meaningful update for retirement savers: beginning with the 2026 tax year, the annual contribution limit for a traditional or Roth IRA has been increased from $7,000 to $7,500. This adjustment is part of the IRS’s inflation-indexed updates designed to help Americans save more for retirement.

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Finance & Technology

The AI Reality Check: Slowing Adoption Signals Caution for Investors 

Recent data suggests that companies are becoming more cautious, or even hesitant, about adopting artificial-intelligence (AI) initiatives, and this shift could carry meaningful implications for investors. While AI adoption is still increasing, large firms in particular appear to be slowing down the pace of implementation. Understanding the dynamics behind this development and what it means for investment strategies can help investors rethink assumptions about the AI-driven growth story.

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Finance & You

The Halloween Strategy: Does “Sell in May and Go Away” Really Work?

Investors are always on the lookout for seasonal trends that could give them an edge in the stock market. One strategy that has gained attention over the years is the so-called Halloween Strategy, a trend based on the old market adage: “Sell in May and go away, but remember to come back in October.” This approach suggests that stock market returns tend to be stronger between November and April, while performance from May through October is historically weaker. But is this strategy rooted in fact, or is it just a market myth?

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Finance & You

The Hidden Risk in Your Index: How a Few Stocks Drive the Market

For decades, many investors have put their money in broad market indexes like the S&P 500 for instant diversification. It sounds safe – spread your bets over hundreds or thousands of companies. But a 2024 study of nearly 100 years of stock-market data (CRSP database) reveals a surprising truth: most stocks are losers, and only a very few drive the gains. In fact, more than half of U.S. stocks ever traded never made money. This “concentration risk” means your index returns are carried almost entirely by a handful of big winners, while the majority of holdings quietly lag behind.

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Finance & Technology

How Much of The Market Does AI Impact?

The AI sector is growing at breakneck speed. According to a recent forecast, the global AI market (including hardware, software, services, etc.) is estimated to reach about $757.6 billion in 2025 with an expected compound annual growth rate (CAGR) of roughly 19.2% over the period from 2025 to 2034. The AI software component is even more dynamic, with many observers pointing to multiyear growth at rates exceeding 30% in segments like generative AI and AI infrastructure.

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