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    <title>Newsjay — Markets News</title>
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    <description>Daily market reporting written for individuals: what moved, which release caused it, and whether the development warrants any change to a long-term plan.</description>
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      <title>What an Expense Ratio Really Costs Over Thirty Years</title>
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      <description><![CDATA[A 0.50% expense ratio versus 0.03% can mean roughly $9,400 less on a $10,000 investment over 30 years. Here is how fund fees compound, with the math and sources.]]></description>
      <pubDate>Fri, 28 Aug 2026 08:56:03 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>Most Active Large-Cap Funds Still Trail the S&amp;P 500</title>
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      <description><![CDATA[About 88% of active U.S. large-cap funds underperformed the S&P 500 over 15 years through December 2023, per the SPIVA scorecard — fees and cash drag explain much of the gap.]]></description>
      <pubDate>Wed, 26 Aug 2026 08:56:02 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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    <item>
      <title>What Stock Market Circuit Breakers Actually Do When Prices Plunge</title>
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      <description><![CDATA[The automatic halts have triggered only twice since 1997, and research suggests they can raise volatility as much as they calm it.]]></description>
      <pubDate>Mon, 17 Aug 2026 08:47:19 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>What SIPC Protection Actually Covers When a Brokerage Firm Fails</title>
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      <description><![CDATA[The $500,000 limit protects the securities in an account against a failed brokerage, not against a falling market. Here is where the line sits, and how a liquidation proceeds.]]></description>
      <pubDate>Fri, 14 Aug 2026 08:47:17 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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    <item>
      <title>Why Most Actively Managed Funds Underperform the S&amp;P 500 Long Term</title>
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      <description><![CDATA[New SPIVA and Morningstar data show the share of active managers beating the index shrinks the longer you measure — and cost is the main reason why.]]></description>
      <pubDate>Mon, 10 Aug 2026 08:47:15 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>The Fed Held Again in July 2026, Extending the Pause</title>
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      <description><![CDATA[The Fed's July 28-29, 2026 meeting held the funds rate at 3.50-3.75% — every meeting of the year so far — as inflation recedes from May's 4.2% peak.]]></description>
      <pubDate>Wed, 05 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>How to Read the Fed&apos;s Dot Plot Without Overreading It</title>
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      <description><![CDATA[The dot plot charts nineteen officials' rate views — the median moves markets, the record argues caution. Three readings that survive scrutiny.]]></description>
      <pubDate>Tue, 14 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>The Fed Held in June 2026 as Inflation Peaked</title>
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      <description><![CDATA[The Fed held at 3.50-3.75% in June 2026 after May CPI printed 4.2% — a three-year high. The policy problem and what long-term investors should note.]]></description>
      <pubDate>Sun, 21 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Jacob Hoffman</dc:creator>
      <category>Markets News</category>
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      <title>How to Read the CPI Report Like an Investor</title>
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      <description><![CDATA[Headline, core, shelter, monthly run rate — the four numbers that make the CPI report readable, plus why markets react to the surprise, not the level.]]></description>
      <pubDate>Fri, 29 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>A Divided Fed Held Again in April 2026</title>
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      <description><![CDATA[The Fed held at 3.50-3.75% on April 29, 2026 with a 9-3 vote — three dissents as spring inflation reaccelerated. What the split means for portfolios.]]></description>
      <pubDate>Wed, 06 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>Inflation Reaccelerated to 3.3 Percent in March 2026</title>
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      <description><![CDATA[The 12-month CPI jumped to 3.3% in March 2026 from January's 2.4%, driven by an energy spike. What it means for rates and long-term portfolios.]]></description>
      <pubDate>Tue, 14 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>The Fed Held Rates Steady in March 2026</title>
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      <description><![CDATA[The FOMC kept the funds rate at 3.50-3.75% on March 18, 2026, with one dissent, holding while inflation pressures fade. What it means for portfolios.]]></description>
      <pubDate>Sun, 22 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>January 2026 Inflation Slowed to 2.4 Percent</title>
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      <description><![CDATA[The January 2026 CPI report printed 2.4% year over year, below forecasts and the slowest since May 2025 — reviving the case for Fed rate cuts.]]></description>
      <pubDate>Fri, 27 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Markets News</category>
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      <title>What the Treasury Yield Curve Tells Long-Term Investors</title>
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      <description><![CDATA[Yield curve inversion has preceded every US recession for 50 years — with lead times from months to two years. What the curve can and cannot tell you.]]></description>
      <pubDate>Wed, 04 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
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      <title>How to Read the Monthly Jobs Report Like an Investor</title>
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      <description><![CDATA[Payrolls, unemployment, participation, and wages — which jobs-report numbers matter to long-term investors, and why revisions beat the first print.]]></description>
      <pubDate>Tue, 13 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Jacob Hoffman</dc:creator>
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