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# Atlas Invencível Lda: HowToInvest is an educational platform about investing literacy. 

## Sitemaps
[XML Sitemap](https://howtoinvest.pro/sitemap_index.xml): Includes all crawlable and indexable pages.

## Pages
- [Term Deposit Comparison — Portugal](https://howtoinvest.pro/term-deposit-comparison-portugal/): Compare gross rates, terms and conditions of term deposits available in Portugal — set your amount and see the estimated net interest, side by side. Educational, not advice.
- [How we compare term deposits — methodology](https://howtoinvest.pro/deposit-comparison-methodology/): How the term-deposit comparison is built: where the data comes from, what the gross rate means, how the estimated interest is calculated, and the limits you should keep in mind.
- [Asset classes](https://howtoinvest.pro/asset-classes/): The building blocks of any portfolio — global equities, bonds, cash, real estate & alternatives, and crypto — each explained in plain language.
- [Ebook](https://howtoinvest.pro/ebook/)
- [Feedback](https://howtoinvest.pro/feedback/): Your input helps us improve HowToInvest. It only takes 2-3 minutes and is confidential.
- [Allocation visualizer](https://howtoinvest.pro/allocation-visualizer/): Pick one of the five educational investor profiles and see its illustrative allocation by asset class as a donut. The numbers come from our curated profiles — always by asset class, never named instruments, and never advice.
- [Rule of 72 calculator](https://howtoinvest.pro/rule-of-72-calculator/): The rule of 72 is a quick mental shortcut: divide 72 by an annual return to estimate how many years money might take to double. See the estimate, how many times it could double over a period, and the resulting multiple. Illustrative, with a hypothetical rate.
- [Fee impact calculator](https://howtoinvest.pro/fee-impact-calculator/): Small annual fees can quietly add up over decades. This compares the same illustrative portfolio with and without a yearly fee, so you can see how much the fee might cost over time. Illustrative, with a hypothetical rate — not advice.
- [Emergency fund calculator](https://howtoinvest.pro/emergency-fund-calculator/): An emergency fund usually comes before any investing — money kept somewhere safe so a surprise never forces you to sell at a bad time. See a target based on your essential expenses, and roughly how long it might take to get there. Illustrative only.
- [The cost of waiting](https://howtoinvest.pro/cost-of-waiting-calculator/): Starting earlier gives your contributions more time to compound. This compares starting now with waiting a few years — same monthly amount — so you can see what the delay might cost. Illustrative, with a hypothetical rate.
- [Tools](https://howtoinvest.pro/tools/): Free, educational calculators about saving and investing — time, inflation, goals and the cost of waiting.
- [Savings goal calculator](https://howtoinvest.pro/savings-goal-calculator/): Have a target in mind? See roughly how much you might set aside each month to get there over a chosen number of years, assuming a hypothetical return. Illustrative only.
- [Inflation calculator](https://howtoinvest.pro/inflation-calculator/): Inflation slowly reduces what your money can buy. This shows how much purchasing power an amount may lose over time — and how much you would need later to keep the same buying power. Illustrative, with a hypothetical inflation rate.
- [Compound interest calculator](https://howtoinvest.pro/compound-interest-calculator/): See how regular contributions can grow over time. Compound growth means your returns can earn returns too — so time in the market often matters more than the amount. Everything below is illustrative, with a hypothetical rate.
- [Investor types](https://howtoinvest.pro/investor-types/): Five educational investor profiles, from cautious to adventurous — each shown as an illustrative allocation by asset class.
- [Crypto, explained](https://howtoinvest.pro/crypto-explained/): Crypto is a young, highly volatile category — it can rise and fall sharply in short periods. If it appears here at all, it is only as a very small, optional slice, and only for profiles with a long horizon and a solid financial base.
- [Real estate & alternatives, explained](https://howtoinvest.pro/reits-alternatives-explained/): This bucket covers things like real estate or other assets that do not always move in step with shares and bonds. A small slice can add variety, which sometimes helps smooth the overall ride.
- [Bonds, explained](https://howtoinvest.pro/bonds-explained/): Bonds are loans to governments or companies that pay you interest. They usually move more gently than shares, which is why they are often used to add stability and soften the ups and downs of a portfolio.
- [Cash & equivalents, explained](https://howtoinvest.pro/cash-explained/): Cash and equivalents are money you can reach quickly without much risk to its value. It grows little, but it is there when you need it — useful for short-term needs and peace of mind.
- [Global equities, explained](https://howtoinvest.pro/global-equities-explained/): Global equities are the growth engine of a portfolio — shares in companies around the world. Over long periods they have tended to grow the most, but they also swing the most along the way. The longer your horizon, the more time they have to ride out the bumps.
- [The Aggressive growth investor profile](https://howtoinvest.pro/aggressive-growth-investor/): A very long horizon and a high tolerance for volatility let this profile lean almost entirely on growth assets, accepting bigger swings in exchange for more long-term growth potential. An example here keeps steadier classes minimal.
- [The Growth investor profile](https://howtoinvest.pro/growth-investor/): With a long horizon and comfort with ups and downs, this profile can let growth assets do the heavy lifting. An example here tends to weight global shares strongly, with a smaller cushion of steadier classes.
- [The Balanced investor profile](https://howtoinvest.pro/balanced-investor/): This is the middle ground: enough time and comfort to hold a solid share of growth assets, balanced by steadier ones. An example for this profile tends to split fairly evenly between growth and stability.
- [The Balanced income investor profile](https://howtoinvest.pro/balanced-income-investor/): This profile leans toward caution but is open to some growth over a medium horizon. An example here tends to balance steadier classes with a meaningful, but not dominant, slice of shares.
- [The Preservation investor profile](https://howtoinvest.pro/preservation-investor/): A profile like this usually puts protecting the money first, because it may be needed soon or because big swings feel uncomfortable. That is why an example for this profile leans heavily on steadier asset classes and keeps growth assets small.
- [My account](https://howtoinvest.pro/my-account/): Your account area needs JavaScript enabled in your browser.
- [Discover your investor profile](https://howtoinvest.pro/investor-profile-quiz/): This questionnaire needs JavaScript enabled in your browser.
- [About HowToInvest](https://howtoinvest.pro/about/): HowToInvest is an educational platform about investing literacy. We help you understand the building blocks of a portfolio — by asset class, never by specific products — through a short questionnaire and clear, illustrative examples. Nothing here is financial advice.
- [Contact](https://howtoinvest.pro/contact/): Questions or feedback about the educational content? Reach us at hello@howtoinvest.pro.
- [How to start investing](https://howtoinvest.pro/how-to-start-investing/): Starting to invest can feel like a wall of jargon and choices. It does not have to. This is a calm, educational walkthrough of the steps that usually come first — in a sensible order — so you can build your own understanding before anything else. Nothing here is a recommendation, and we never name specific products, funds or brokers.
- [Privacy Policy](https://howtoinvest.pro/privacy-policy/): Placeholder content — replace with legally reviewed text before launch.
- [Terms & Conditions](https://howtoinvest.pro/terms-and-conditions/): Placeholder content — replace with legally reviewed text before launch.

## Learn
- [Common beginner mistakes to avoid](https://howtoinvest.pro/learn/common-beginner-mistakes/): Most early stumbles are about behaviour, not knowledge — here are the common ones and the calmer habit that avoids each.
- [Costs and fees, explained simply](https://howtoinvest.pro/learn/costs-and-fees-explained/): Small fees look harmless but compound against you over time — keeping them low is one of the few things you fully control.
- [How a portfolio is built (step by step)](https://howtoinvest.pro/learn/how-a-portfolio-is-built/): A portfolio comes together in a few calm steps — base first, then a mix by asset class, then a steady habit.
- [Set your goals first](https://howtoinvest.pro/learn/set-your-goals/): A clear goal — what the money is for and when you need it — quietly decides almost everything else about how you invest.
- [Spotting scams and red flags](https://howtoinvest.pro/learn/spotting-scams-and-red-flags/): If an offer promises big, guaranteed, urgent returns, treat it as a warning — here are the red flags that protect beginners.
- [What is periodic investing (DCA)?](https://howtoinvest.pro/learn/what-is-periodic-investing/): Periodic investing means adding a fixed amount on a regular schedule — a calm habit that takes the timing stress out of investing.
- [Your next steps from here](https://howtoinvest.pro/learn/your-next-steps/): You have the whole picture now — here is how to turn it into a simple, calm plan that is yours.
- [How to read an example portfolio](https://howtoinvest.pro/learn/reading-an-example-portfolio/): An example portfolio is a set of asset-class slices that add up to 100% — illustrative only, and here is how to read one.
- [Understanding account types](https://howtoinvest.pro/learn/understanding-account-types/): Investments live inside an account, and the type you use mostly changes the tax treatment — here is the plain-language version.
- [What is asset allocation?](https://howtoinvest.pro/learn/what-is-asset-allocation/): Asset allocation is how you split money across the broad classes — the single decision that shapes a portfolio most.
- [What is rebalancing?](https://howtoinvest.pro/learn/what-is-rebalancing/): Over time a portfolio drifts from its target mix; rebalancing is the gentle nudge that brings it back.
- [A closer look at bonds](https://howtoinvest.pro/learn/a-closer-look-at-bonds/): Bonds are loans to governments or companies that pay interest — usually steadier than equities, and a portfolio's ballast.
- [A closer look at global equities](https://howtoinvest.pro/learn/a-closer-look-at-global-equities/): Global equities mean owning small slices of many companies worldwide — the growth engine of most portfolios, and the most variable.
- [Budgeting basics before you invest](https://howtoinvest.pro/learn/budgeting-basics/): A simple budget — money in, money out, a little set aside — is what frees you to invest without stress.
- [Cash, and when it helps](https://howtoinvest.pro/learn/cash-and-when-it-helps/): Cash is money you can reach instantly — the safest, steadiest class, and exactly what short-term needs call for.
- [How compound interest works](https://howtoinvest.pro/learn/how-compound-interest-works/): Compound interest is growth on your growth — over time your money can snowball because past gains start earning too.
- [What inflation does to your money](https://howtoinvest.pro/learn/what-is-inflation/): Inflation is the slow rise in prices that quietly reduces what your money can buy — the main reason long-term savings need to grow.
- [What is investing, really?](https://howtoinvest.pro/learn/what-is-investing/): Investing means putting money to work in assets that can grow over time — accepting some ups and downs for that chance.
- [Why invest at all?](https://howtoinvest.pro/learn/why-invest/): Saving keeps your money safe; investing gives it a chance to grow faster than prices rise over the long run.
- [What is ESG investing?](https://howtoinvest.pro/learn/what-is-esg-investing/): A lens some people like to apply to where their money goes.
- [Risk and reward: the trade-off explained](https://howtoinvest.pro/learn/risk-and-reward-explained/): Assets that can grow the most usually swing the most along the way.
- [What is diversification?](https://howtoinvest.pro/learn/what-is-diversification/): The simple idea of not putting all your eggs in one basket.
- [How to stay calm when markets fall](https://howtoinvest.pro/learn/staying-calm-when-markets-fall/): The best plan is the one you can stick to when markets get scary.
- [Why an emergency fund comes before investing](https://howtoinvest.pro/learn/why-an-emergency-fund-comes-first/): The most important first step is usually money kept somewhere safe and easy to reach.
- [Why your time horizon is your biggest ally](https://howtoinvest.pro/learn/why-your-time-horizon-matters/): The further away your goal, the more ups and downs you can ride out along the way.
- [What is an investor profile?](https://howtoinvest.pro/learn/what-is-an-investor-profile/): A simple way to describe how you might approach investing — based on your time, goals and comfort with risk.
- [Asset classes explained](https://howtoinvest.pro/learn/asset-classes-explained/): Portfolios are built from a handful of broad building blocks. Here is what each one does.

## Glossary
- [Guaranteed Returns](https://howtoinvest.pro/investing-glossary/guaranteed-returns/): A promise of fixed, high profit with no risk — in investing this is the single biggest red flag of a scam.
- [Ponzi Scheme](https://howtoinvest.pro/investing-glossary/ponzi-scheme/): A fraud that pays returns to earlier investors using money from new investors rather than real profit, and collapses when new money stops.
- [Tax-Advantaged Account](https://howtoinvest.pro/investing-glossary/tax-advantaged-account/): An account, often aimed at long-term goals like retirement, that offers tax benefits in exchange for rules on when and how you can withdraw.
- [Brokerage Account](https://howtoinvest.pro/investing-glossary/brokerage-account/): A general account that holds your investments and lets money move in and out freely, under ordinary tax rules.
- [Deposit Guarantee](https://howtoinvest.pro/investing-glossary/deposit-guarantee/): A national scheme that protects bank deposits up to a set limit per person per bank if the bank fails.
- [Financial Regulator](https://howtoinvest.pro/investing-glossary/financial-regulator/): The official body that supervises financial firms and markets in a country; checking a firm is registered with it is a basic safety step.
- [Dollar-Cost Averaging](https://howtoinvest.pro/investing-glossary/dollar-cost-averaging/): Investing a fixed amount at regular intervals regardless of price, which smooths the average entry price over time.
- [Emergency Fund](https://howtoinvest.pro/investing-glossary/emergency-fund/): Easily accessible cash set aside for unexpected expenses, usually built up before you start investing.
- [Rebalancing](https://howtoinvest.pro/investing-glossary/rebalancing/): Periodically restoring a portfolio to its target mix, because some asset classes grow faster than others and drift the weights.
- [Risk and Reward](https://howtoinvest.pro/investing-glossary/risk-and-reward/): The principle that higher potential returns generally come with greater risk — bigger swings and a greater chance of loss.
- [Time Horizon](https://howtoinvest.pro/investing-glossary/time-horizon/): How long until you need the money, which shapes how much risk a portfolio can sensibly carry.
- [Asset Allocation](https://howtoinvest.pro/investing-glossary/asset-allocation/): How you split a portfolio across the broad asset classes — the single decision that shapes its behaviour most.
- [Stock](https://howtoinvest.pro/investing-glossary/stock/): A fraction of a company's social capital. The buyer becomes a shareholder or partner in it.
- [Leverage](https://howtoinvest.pro/investing-glossary/leverage/): The use of borrowed capital (debt) to increase the potential return of an investment.
- [Asset](https://howtoinvest.pro/investing-glossary/asset/): A resource with economic value that an individual or corporation owns with the expectation that it will provide a future benefit.
- [Bear Market](https://howtoinvest.pro/investing-glossary/bear-market/): A prolonged period of declining market prices, typically characterized by pessimism and significant asset devaluation.
- [Bull Market](https://howtoinvest.pro/investing-glossary/bull-market/): A prolonged period of rising market prices, characterized by optimism and constant asset appreciation.
- [Benchmark](https://howtoinvest.pro/investing-glossary/benchmark/): A standard or index against which the performance of an asset or investment fund can be measured.
- [Market Capitalization](https://howtoinvest.pro/investing-glossary/market-capitalization/): The total market value of a company's outstanding shares of stock.
- [Commodities](https://howtoinvest.pro/investing-glossary/commodities/): Basic raw materials (e.g., gold, oil, wheat) standardized and traded on the global financial market.
- [Dividend](https://howtoinvest.pro/investing-glossary/dividend/): A portion of a company's net earnings distributed to its shareholders.
- [Diversification](https://howtoinvest.pro/investing-glossary/diversification/): A risk management strategy that mixes a wide variety of investments within a portfolio.
- [ETF](https://howtoinvest.pro/investing-glossary/etf/): An investment fund traded on stock exchanges, much like stocks.
- [EBITDA](https://howtoinvest.pro/investing-glossary/ebitda/): Earnings Before Interest, Taxes, Depreciation, and Amortization.
- [Cash Flow](https://howtoinvest.pro/investing-glossary/cash-flow/): The net amount of cash and cash-equivalents being transferred into and out of a business.
- [Investment Fund](https://howtoinvest.pro/investing-glossary/investment-fund/): A supply of capital belonging to numerous investors used to collectively purchase securities.
- [Capital Gain](https://howtoinvest.pro/investing-glossary/capital-gain/): A profit from the sale of property or an investment.
- [Hedge](https://howtoinvest.pro/investing-glossary/hedge/): An investment made with the intention of reducing the risk of adverse price movements in an asset.
- [Inflation](https://howtoinvest.pro/investing-glossary/inflation/): The rate at which the general level of prices for goods and services is rising.
- [IPO](https://howtoinvest.pro/investing-glossary/ipo/): The process of offering shares of a private corporation to the public in a new stock issuance.
- [Compound Interest](https://howtoinvest.pro/investing-glossary/compound-interest/): Interest calculated on the initial principal, which also includes all of the accumulated interest from previous periods.
- [KYC](https://howtoinvest.pro/investing-glossary/kyc/): The standard practice of verifying the identity of clients to assess potential risks of illegal intentions.
- [Margin](https://howtoinvest.pro/investing-glossary/margin/): The money borrowed from a brokerage firm to purchase an investment.
- [NASDAQ](https://howtoinvest.pro/investing-glossary/nasdaq/): An American stock exchange based in New York City, heavily weighted towards information technology companies.
- [Option](https://howtoinvest.pro/investing-glossary/option/): A financial derivative that represents a contract sold by one party to another, offering the right to buy or sell a security.
- [P/E Ratio](https://howtoinvest.pro/investing-glossary/pe-ratio/): The ratio for valuing a company that measures its current share price relative to its per-share earnings.
- [Portfolio](https://howtoinvest.pro/investing-glossary/portfolio/): A collection of financial investments like stocks, bonds, commodities, cash, and cash equivalents.
- [Quantitative Easing](https://howtoinvest.pro/investing-glossary/quantitative-easing/): A monetary policy whereby a central bank purchases predetermined amounts of government bonds or other financial assets.
- [Fixed Income](https://howtoinvest.pro/investing-glossary/fixed-income/): A type of investment in which real return rates or periodic income is received at regular intervals at reasonably predictable levels.
- [Variable Income](https://howtoinvest.pro/investing-glossary/variable-income/): Investments where the future return cannot be guaranteed or anticipated, such as stocks, being subject to market fluctuations.
- [Short Selling](https://howtoinvest.pro/investing-glossary/short-selling/): A financial strategy where one bets on the decline of an asset's price.
- [Spread](https://howtoinvest.pro/investing-glossary/spread/): The mathematical difference between the price at which someone is willing to buy an asset (bid) and sell (ask).
- [Interest Rate](https://howtoinvest.pro/investing-glossary/interest-rate/): The cost of borrowing money or the return on investment for lending money.
- [Underwriting](https://howtoinvest.pro/investing-glossary/underwriting/): The process through which financial institutions evaluate and assume the risk of issuing new securities.
- [Volatility](https://howtoinvest.pro/investing-glossary/volatility/): A statistical measure of the dispersion of returns for a given security or market index.
- [Value Investing](https://howtoinvest.pro/investing-glossary/value-investing/): An investment strategy that involves picking stocks that appear to be trading for less than their intrinsic or book value.
- [Wall Street](https://howtoinvest.pro/investing-glossary/wall-street/): A street in lower Manhattan that is the original home of the New York Stock Exchange and the historic headquarters of the largest U.S. brokerages.
- [Yield](https://howtoinvest.pro/investing-glossary/yield/): The income returned on an investment, such as the interest received from holding a particular security.
- [Zero-Coupon Bond](https://howtoinvest.pro/investing-glossary/zero-coupon-bond/): A debt security that doesn't pay interest but is traded at a deep discount, rendering profit at maturity.
- [Global equities](https://howtoinvest.pro/investing-glossary/global-equities/): Shares in companies around the world — the growth engine of a portfolio.
- [Bonds](https://howtoinvest.pro/investing-glossary/bonds/): Loans to governments or companies that pay you interest.
- [Cash](https://howtoinvest.pro/investing-glossary/cash/): Money you can reach quickly without much risk to its value.
- [REITs & alternatives](https://howtoinvest.pro/investing-glossary/reits-and-alternatives/): Real estate and other assets that don't always move in step with shares and bonds.
- [Crypto](https://howtoinvest.pro/investing-glossary/crypto/): A young, highly volatile category — only ever a very small, optional slice.

## News
- [Michael Burry’s Strategy: Betting Against Hype and Buying Unloved Stocks](https://howtoinvest.pro/financial-news/michael-burrys-strategy-betting-against-hype-and-buying-unloved-stocks/): A recent analysis by the Everything Money channel reveals that famed investor Michael Burry's flurry of trades follows a consistent theme of betting against popular stocks while buying unpopular ones.
- [AutoStore Reports Record Q2 Revenue and Initiates Share Buyback Program](https://howtoinvest.pro/financial-news/autostore-reports-record-q2-revenue-and-initiates-share-buyback-program/): The warehouse automation company exceeded analyst expectations with a 43% year-over-year revenue increase, driven by a surge in orders. In response to its strong financial position, the company's board has also authorized its first share repurchase program since its IPO.
- [WeSports Reports Nearly 55% Sales Growth in Strong Second Quarter](https://howtoinvest.pro/financial-news/wesports-reports-55-percent-sales-growth-q2-2026/): The Nordic specialist group saw revenue climb to SEK 1.18 billion, citing strong performance in key categories like cycling and running and benefits from recent acquisitions.
- [Norbit Reports Record Q2 Revenue and Profit, Yet Shares Decline](https://howtoinvest.pro/financial-news/norbit-reports-record-q2-2026-revenue-as-shares-decline/): The Norwegian technology company posted a 22% year-over-year revenue increase and unveiled ambitious 2030 growth targets, though the market reacted negatively to the announcement.
- [Iran Set to Join BRICS New Development Bank, Central Bank Governor Confirms](https://howtoinvest.pro/financial-news/iran-set-to-join-brics-new-development-bank/): The move signals deeper economic integration for Tehran within the group of major emerging economies, which it formally joined in 2024.
- [Maersk Boosts 2026 Forecast After Second-Quarter Profits Exceed Expectations](https://howtoinvest.pro/financial-news/maersk-boosts-2026-forecast-after-second-quarter-profits-exceed-expectations/): The Danish logistics and shipping company A.P. Moller-Maersk announced robust second-quarter financial results on Thursday, significantly surpassing analyst expectations and prompting an upward revision of its full-year earnings forecast for the second time this year.
- [China’s C919 Jet Completes First International Commercial Flight](https://howtoinvest.pro/financial-news/chinas-c919-jet-completes-first-international-commercial-flight/): In a significant milestone for China's aviation ambitions, the domestically produced COMAC C919 narrow-body jet has completed its first scheduled international commercial flight, operated by Air China.
- [Meta Faces Dozens of States in Landmark Trial Over Youth Mental Health](https://howtoinvest.pro/financial-news/meta-faces-states-in-landmark-trial-over-youth-mental-health/): A coalition of state attorneys general is taking Meta to court in Oakland, California, in a case that could force sweeping changes to social media platforms and carry massive financial penalties.
- [Copper’s Industrial Demand Challenges Gold’s Traditional Investment Appeal](https://howtoinvest.pro/financial-news/copper-industrial-demand-challenges-gold-investment-appeal/): Driven by the global energy transition and a tightening supply, copper is increasingly viewed by some market observers as an investment with advantages over gold, which traditionally relies on safe-haven demand.
- [Palantir Reports 93% Revenue Growth, Fueling Intense Debate Over Valuation](https://howtoinvest.pro/financial-news/palantir-reports-93-percent-revenue-growth-fueling-valuation-debate/): The data analytics company's latest quarterly results revealed exceptional growth in both its commercial and government sectors, leading to a significant stock price surge and highlighting a stark divide among market observers.
- [Key Social Security Adjustments Expected for 2027](https://howtoinvest.pro/financial-news/key-social-security-adjustments-expected-for-2027/): In 2027, Social Security beneficiaries and American workers can anticipate several key updates to the program, including an inflation-based benefit increase and adjustments to retirement age and tax thresholds.
- [London BTC Company Sets Annual General Meeting for August 28](https://howtoinvest.pro/financial-news/london-btc-company-sets-annual-general-meeting-for-august-28/): London BTC Company Limited, a publicly traded firm focused on Bitcoin mining and treasury management, has officially notified shareholders of its upcoming annual general meeting scheduled for August 28, 2026.
- [Yen’s Gains Unravel as Focus Returns to Central Bank Policy Divide](https://howtoinvest.pro/financial-news/yens-gains-unravel-as-focus-returns-to-central-bank-policy-divide/): Despite a coordinated effort by Washington and Tokyo to support the currency, the Japanese yen has resumed its decline, highlighting the persistent impact of differing monetary policies between Japan and the United States.
- [Nintendo First-Quarter Profit Soars Past Estimates, Aided by Software Sales and Tariff Refund](https://howtoinvest.pro/financial-news/nintendo-q1-fy2027-earnings-profit-beats-estimates-despite-sales-dip/): The video game company reported a significant increase in profitability for the three months ending June 30, even as sales of its Switch 2 console cooled compared to its launch period last year.
- [First Solar Reports Strong Q2 Profit Amid US Manufacturing Expansion](https://howtoinvest.pro/financial-news/first-solar-reports-strong-q2-profit-amid-us-manufacturing-expansion/): The American solar panel manufacturer posted a 23% year-over-year increase in net income for the second quarter, reaffirming its full-year guidance as it continues to expand its domestic production capacity.
- [European Stocks Reach New Record Highs on Strong Earnings and Geopolitical Optimism](https://howtoinvest.pro/financial-news/european-stocks-reach-new-record-highs-on-strong-earnings-and-geopolitical-optimism/): A robust second-quarter earnings season and signs of easing geopolitical tensions in the Middle East have propelled the pan-European STOXX 600 index to unprecedented levels this week.
- [LiveWire Reports Strong Q2 Sales Growth and Strategic Moves Amid Ongoing Losses](https://howtoinvest.pro/financial-news/livewire-reports-strong-q2-sales-growth-and-strategic-moves-amid-ongoing-losses/): The electric motorcycle maker announced a significant increase in second-quarter revenue and unit sales, alongside strategic acquisitions, while still operating at a net loss.
- [Western Union and Rain Launch Stablecoin-Backed Visa Card in 37 Markets](https://howtoinvest.pro/financial-news/western-union-and-rain-launch-stablecoin-backed-visa-card-in-37-markets/): The new product, called Stablecard, combines a digital wallet with a Visa-secured credit card and is backed by the USDPT stablecoin, initially rolling out in 37 countries with plans for further expansion.
- [AMD Shares Fall Despite Record Revenue and Strong Forecast Fueled by AI Chip Demand](https://howtoinvest.pro/financial-news/amd-shares-fall-despite-record-q2-2026-earnings-and-strong-forecast/): The semiconductor firm announced second-quarter results that surpassed analyst predictions, driven by a surge in data center sales. However, shares retreated in premarket trading as the company's strong performance contended with sky-high investor expectations.
- [Active Energy Group’s CoalSwitch™ Progress Amid Unconfirmed Facility Report](https://howtoinvest.pro/financial-news/active-energy-groups-coalswitch-progress-amid-unconfirmed-facility-report/): The UK-based company is advancing its next-generation biomass fuel, while a recent headline has drawn attention to its operational and financial reporting.
- [San Mateo Midstream Finalizes $752 Million Acquisition of Cardinal Midstream Assets](https://howtoinvest.pro/financial-news/san-mateo-midstream-finalizes-752-million-acquisition-of-cardinal-midstream/): The acquisition increases San Mateo's natural gas processing capacity to over one billion cubic feet per day and expands its pipeline system to more than 800 miles within the prolific energy region.
- [Investors Eye Inflation-Protected Bonds as Real Yields Remain Elevated](https://howtoinvest.pro/financial-news/investors-eye-inflation-protected-bonds-as-real-yields-remain-elevated/): Government-issued bonds that adjust for inflation are drawing attention as they offer returns designed to outpace the official rate of price increases, though they are not without risks.
- [Coinbase Reports Second-Quarter Revenue and Earnings Miss, Shares Decline](https://howtoinvest.pro/financial-news/coinbase-reports-second-quarter-revenue-and-earnings-miss-shares-decline/): For the third straight quarter, Coinbase's financial results have underperformed analyst forecasts, with the company reporting lower-than-expected revenue and a wider-than-expected loss for the second quarter of 2026, leading to a drop in its share price in after-hours trading.
- [Shell’s Second-Quarter Profit More Than Doubles to $9.8 Billion Amid High Energy Prices](https://howtoinvest.pro/financial-news/shells-second-quarter-profit-more-than-doubles-amid-high-energy-prices/): The company's earnings surged compared to the same period last year, driven by volatile energy markets and strong performance in its trading and chemicals divisions, despite some production disruptions.
- [Chinese Stocks Head for Worst Monthly Loss in a Decade Amid AI Sell-Off](https://howtoinvest.pro/financial-news/chinese-stocks-head-for-worst-monthly-loss-in-a-decade-amid-ai-sell-off/): A global pullback in technology shares, particularly those linked to the artificial intelligence boom, has sent Chinese equities tumbling in July, marking a sharp reversal from the market's strong performance in the first half of the year.
- [Lamborghini Profit Declines in First Half of 2026 Despite Record Revenue](https://howtoinvest.pro/financial-news/lamborghini-profit-declines-in-first-half-2026-despite-record-revenue/): The luxury automaker's operating profit fell to €395 million in the first six months of the year, even as revenue climbed 7.4% to a historic high of €1.74 billion amid challenging global market conditions.
- [US Small-Cap Stocks Rebound in 2026, Shifting Market Dynamics](https://howtoinvest.pro/financial-news/us-small-cap-stocks-rebound-in-2026-shifting-market-dynamics/): After years of lagging behind their larger counterparts, smaller US companies have demonstrated strong performance in 2026, fueled by a combination of attractive valuations and an improving earnings outlook.
- [EU Fines Google €890 Million for Breaching Digital Markets Act](https://howtoinvest.pro/financial-news/eu-fines-google-890-million-for-breaching-digital-markets-act/): European regulators issued two separate fines against the tech giant on July 23, 2026, citing illegal self-preferencing in search results and anti-steering practices on its app store.
- [AI Boom’s Hidden Cost: GPU Depreciation Poses Margin Risk for Software Sector](https://howtoinvest.pro/financial-news/ai-gpu-depreciation-software-sector-margin-risk/): A massive investment cycle in artificial intelligence hardware is raising questions about future profitability for both cloud providers and the software companies reliant on their infrastructure. The debate centers on the accounting treatment of graphics processing units (GPUs), the specialized chips powering the AI revolution, and the potential for their rapid depreciation to squeeze profit margins across the technology landscape.
- [Santander Shares Rise on Record First-Half Profit and New Buyback Plan](https://howtoinvest.pro/financial-news/santander-shares-rise-on-record-first-half-profit-and-new-buyback-plan/): The Spanish banking group announced its strongest first-half results in its history on Wednesday, driven by higher revenue and customer growth, prompting a positive reaction from investors.
- [US Government Expands AI Research Access Through National Program](https://howtoinvest.pro/financial-news/us-government-expands-ai-research-access-through-national-program/): The National AI Research Resource pilot program aims to democratize AI development, supporting projects in critical fields ranging from healthcare to infrastructure.
- [Memory Stock Selloff Presents Buying Opportunity, Morgan Stanley Suggests](https://howtoinvest.pro/financial-news/memory-stock-selloff-creates-entry-point-morgan-stanley/): Despite a recent market pullback driven by profit-taking and macroeconomic concerns, the investment bank highlights persistent shortages and rising prices for memory components essential for artificial intelligence infrastructure.
- [U.S. Treasury Yields Climb as Middle East Tensions Fuel Inflation Concerns](https://howtoinvest.pro/financial-news/us-treasury-yields-climb-as-middle-east-tensions-fuel-inflation-concerns/): Bond yields increased as investors monitored escalating conflict between the U.S. and Iran, a development that has overshadowed the traditional safe-haven appeal of government debt.
- [Trump Media to Launch High-Speed Data Feed of Truth Social Posts for Financial Firms](https://howtoinvest.pro/financial-news/trump-media-to-launch-high-speed-data-feed-of-truth-social-posts-for-financial-firms/): Starting August 1, Trump Media & Technology Group will offer institutional clients like trading firms a licensed, high-speed data feed from its Truth Social platform, aiming to create a new revenue stream.
- [Trump’s Pro-Crypto Stance Reshapes US Policy and Markets Amid Scrutiny](https://howtoinvest.pro/financial-news/trumps-pro-crypto-stance-reshapes-us-policy-and-markets-amid-scrutiny/): Once a critic, Donald Trump has embraced cryptocurrency, influencing U.S. regulation and market sentiment while his personal crypto-related earnings draw significant attention and controversy.
- [Mortgage Rates Hold in Mid-6% Range Amid Economic Uncertainty](https://howtoinvest.pro/financial-news/mortgage-rates-hold-in-mid-6-percent-range-amid-economic-uncertainty/): Interest rates for popular home loans showed mixed results to begin the weekend, with the benchmark 30-year fixed rate holding near its highest level in almost a year, reflecting ongoing economic crosscurrents.
- [Dermapharm Shares Fall After German Regulator Announces Accounting Probe](https://howtoinvest.pro/financial-news/dermapharm-shares-fall-after-german-regulator-announces-accounting-probe/): Germany's financial regulator, BaFin, has publicly announced a formal investigation into potential accounting irregularities at Dermapharm, prompting a significant drop in the company's share price on Friday.
- [China’s Economic Growth Slows to 4.3% in Second Quarter, Missing Official Target](https://howtoinvest.pro/financial-news/chinas-economic-growth-slows-in-q2-2026-missing-target/): The world's second-largest economy saw its GDP growth decelerate in the April-June period, highlighting an uneven recovery marked by robust foreign trade but persistent weakness in consumer spending and the property sector.
- [SpaceX Shares Fall Below IPO Price Amid Post-Debut Volatility](https://howtoinvest.pro/financial-news/spacex-shares-fall-below-ipo-price-amid-post-debut-volatility/): Shares of the recently public aerospace and AI company, which trades as SPCX on Nasdaq, closed at $131.11 on Thursday, below the $135 initial offering price set during its record-breaking market debut in June.
- [The Day Oil Prices Went Negative: The Glitch That “Saved” a Trader From a $9 Million Ruin](https://howtoinvest.pro/financial-news/the-day-oil-prices-went-negative-the-glitch-that-saved-a-trader-from-a-9-million-ruin/): Imagine pulling up to a gas station, filling up your tank, and actually getting paid to drive away. It sounds like science fiction, but in April 2020, during the peak of global pandemic lockdowns, the financial markets witnessed their most surreal day ever: the price of a WTI crude oil barrel collapsed to -$37.63 (yes, minus thirty-seven dollars!).
- [Oil Prices Hit One-Month High on Middle East Tensions as AI Stocks Stumble](https://howtoinvest.pro/financial-news/oil-prices-rise-on-middle-east-tensions-as-ai-stocks-stumble/): Global markets are witnessing a sharp divergence as escalating conflict in the Middle East drives oil prices to their highest point in a month, while high-flying technology and artificial intelligence stocks experience a significant downturn.
- [Nvidia’s AI Dominance Weighed Against Competition and Sustainability Risks](https://howtoinvest.pro/financial-news/nvidias-ai-dominance-weighed-against-competition-and-sustainability-risks/): Despite record-breaking revenue fueled by the artificial intelligence boom, the semiconductor giant faces potential headwinds from major customers and geopolitical factors, according to a new video report.
- [New York Becomes First State to Halt Large Data Center Development With One-Year Moratorium](https://howtoinvest.pro/financial-news/new-york-imposes-first-statewide-data-center-moratorium/): In a first-of-its-kind move for the United States, New York has enacted a statewide moratorium on the development of large-scale data centers. The pause, initiated by an executive order, aims to give the state time to create a regulatory framework for the rapidly growing industry.
- [UK Faces Winter Gas Supply Debate as Decision on North Sea Jackdaw Field Looms](https://howtoinvest.pro/financial-news/uk-winter-gas-supply-debate-north-sea-jackdaw-field-decision/): The head of energy firm Adura has warned that the UK faces a risk of domestic gas shortages this winter unless its new North Sea Jackdaw field receives immediate government approval to begin production. The project is now in the final stages of a regulatory review, sparking a debate over the country's energy security versus its climate commitments.
- [SpaceX Stock Closes Below Debut Price in Post-Inclusion Slide](https://howtoinvest.pro/financial-news/spacex-stock-closes-below-debut-price-in-post-inclusion-slide/): The decline to $148 a share comes less than a month after the aerospace firm's record-breaking IPO and has erased most of the initial gains despite buying pressure from index-tracking funds.
- [Key Stock Market Valuation Metrics Hover Near Historic Highs in July 2026](https://howtoinvest.pro/financial-news/key-stock-market-valuation-metrics-hover-near-historic-highs-in-july-2026/): As of early July 2026, several widely watched measures of stock market valuation are registering levels rarely seen in history, prompting discussion among analysts about future market performance.
- [US Job Growth Slowed Sharply in June, Easing Pressure on Federal Reserve](https://howtoinvest.pro/financial-news/us-job-growth-slowed-sharply-in-june-2026-easing-pressure-on-fed/): A much weaker-than-expected June jobs report, coupled with downward revisions for prior months, suggests a cooling labor market that may give the Federal Reserve more leeway to hold interest rates steady in its ongoing fight against inflation.
- [Cloud Market Growth Accelerates in 2026, Driven by AI Demand](https://howtoinvest.pro/financial-news/cloud-market-growth-accelerates-in-2026-driven-by-ai-demand/): Enterprise spending on cloud infrastructure services surged 35% year-over-year in the first quarter of 2026, reaching a record $129 billion as the battle for market share between AWS, Microsoft Azure, and Google Cloud intensifies.
- [Rep. Thomas Suozzi’s Estimated Net Worth Drops by $759K in a Month, Data Shows](https://howtoinvest.pro/financial-news/rep-thomas-suozzi-net-worth-stock-market-june-2026/): According to estimates based on public financial disclosures, the New York congressman's portfolio value has fluctuated with recent market movements, with his latest estimated net worth ranking 98th in Congress.
- [China’s Internet Sector Sees Renewed Optimism Amid AI Boom and Shifting Regulations](https://howtoinvest.pro/financial-news/chinas-internet-sector-sees-renewed-optimism-amid-ai-boom-and-shifting-regulations/): China's vast internet economy, the largest in the world by user base, is navigating a complex environment of technological innovation and evolving government oversight. Analysts are pointing to signs of a potential rebound, citing strong fundamentals in key sectors and a more supportive policy stance towards technology.
- [Merck KGaA to Acquire Bio-Techne for $11.3 Billion, Expanding Life Sciences Portfolio](https://howtoinvest.pro/financial-news/merck-kgaa-to-acquire-bio-techne-for-11-3-billion-expanding-life-sciences-portfolio/): The all-cash offer of $73 per share represents a significant premium for the Minneapolis-based life sciences tool provider, marking a major strategic move for the German science and technology company.
- [Ferrari Marketing Chief Exits After 16 Years Following Electric Car Backlash](https://howtoinvest.pro/financial-news/ferrari-marketing-chief-exits-after-electric-car-backlash/): The departure of Chief Marketing and Commercial Officer Enrico Galliera comes just one month after the polarizing reveal of the Ferrari Luce, the brand's first all-electric vehicle, which was met with significant criticism over its design.
- [US Markets See Mixed Finish as Micron-Led AI Rally Is Offset by Apple’s Decline](https://howtoinvest.pro/financial-news/us-markets-mixed-finish-micron-ai-rally-offset-by-apple-decline-june-25-2026/): U.S. stock markets experienced a divided session on Thursday, with strong earnings from memory chip maker Micron Technology fueling a rally in AI-related stocks, while a slump in shares of other tech giants, including Apple, weighed on the major indexes.
- [UK Household Energy Debt Hits Record £4.79 Billion as Prices Set to Rise](https://howtoinvest.pro/financial-news/uk-household-energy-debt-hits-record-high-as-prices-rise/): Regulator Ofgem reports that total debt and arrears owed to energy suppliers reached a record high in the first quarter of 2026, ahead of a significant price cap increase scheduled for July.
- [Anthropic Accuses Alibaba of Massive AI ‘Distillation Attack’ to Copy Claude Model](https://howtoinvest.pro/financial-news/anthropic-accuses-alibaba-of-ai-distillation-attack-to-copy-claude/): In a letter to U.S. senators, Anthropic detailed what it calls the largest known “distillation attack” against its systems, alleging an industrial-scale effort by Alibaba to replicate its AI technology.
- [Micron Revenue Quadruples to $41.5 Billion Amid AI-Driven Memory Chip Shortage](https://howtoinvest.pro/financial-news/micron-q3-2026-earnings-revenue-quadruples-on-ai-memory-demand/): The memory chip manufacturer posted record third-quarter results and provided a strong forecast, citing a structural undersupply of DRAM and NAND memory that is expected to persist.
- [YouTube Settles Youth Mental Health Lawsuit Ahead of Major Trial](https://howtoinvest.pro/financial-news/youtube-settles-youth-mental-health-lawsuit-ahead-of-major-trial/): The settlement resolves one of the key test cases concerning social media addiction, though YouTube's parent company Google still faces thousands of similar claims. A trial against Meta, Snap, and TikTok is slated for July.
- [Elon Musk’s Brief Reign as World’s First Trillionaire Ends After SpaceX Stock Sell-Off](https://howtoinvest.pro/financial-news/elon-musk-loses-trillionaire-status-spacex-stock-volatility/): Less than two weeks after the historic SpaceX public offering made him the world's first trillionaire, Elon Musk's net worth has fallen back into the hundreds of billions amid significant volatility in the newly traded stock.
- [Investor Michael Burry Builds Portfolio Based on ‘Whale Fall’ Thesis Amid AI Bubble Warnings](https://howtoinvest.pro/financial-news/investor-michael-burry-builds-portfolio-based-on-whale-fall-thesis-amid-ai-bubble-warnings/): According to a report from the Everything Money channel, the Scion Asset Management founder has been acquiring positions in several companies he believes are being overlooked due to the market's intense focus on artificial intelligence.
- [Berkshire Hathaway’s Market Benchmark: A Look at Recent Performance Trends](https://howtoinvest.pro/financial-news/berkshire-hathaway-market-benchmark-recent-performance-trends/): While Berkshire Hathaway's long-term investment record remains one of history's most successful, recent analyses show its performance has more closely tracked, and at times lagged, the broader U.S. stock market, raising discussions about its size and strategy.
- [Micron Shatters Wall Street Expectations With Record Earnings and Forecast Amid AI Memory Boom](https://howtoinvest.pro/financial-news/micron-earnings-q3-2026-ai-memory-boom-leveraged-etf/): The memory chip maker announced record-breaking quarterly results and a staggering forecast driven by the artificial intelligence infrastructure buildout. The report coincided with the launch of a new leveraged ETF designed to amplify daily moves in memory stocks.
- [Trump Accuses Oil Firms of Price Gouging, Orders Justice Department Probe](https://howtoinvest.pro/financial-news/trump-accuses-oil-firms-of-price-gouging-orders-doj-probe/): Amid falling global crude prices following a recent U.S.-Iran peace deal, President Donald Trump has accused major oil companies of “gouging” American consumers and called for an immediate investigation.
- [SK Hynix Stock Sees Volatility Amid AI Demand Jitters and Plans for Massive $29 Billion U.S. Listing](https://howtoinvest.pro/financial-news/sk-hynix-stock-volatility-ai-demand-us-listing-2026/): Shares of the South Korean memory chip giant experienced a sharp drop on June 23 amid concerns over future AI demand, a move that comes just as the company unveils plans for one of the largest U.S. stock offerings in history.
- [Apple Faces Two Major UK Class-Action Lawsuits Totaling Billions](https://howtoinvest.pro/financial-news/apple-faces-two-major-uk-class-action-lawsuits-totaling-billions/): The technology giant is embroiled in separate legal challenges in the United Kingdom. One case, concerning App Store commissions, awaits an appeal hearing after an initial ruling against Apple, while another, a £3 billion lawsuit over iCloud storage, has just been cleared to proceed to trial.
- [Indonesia’s New Stock Market Rules Raise Compliance Bar, Sparking Delisting Concerns](https://howtoinvest.pro/financial-news/indonesias-new-stock-market-rules-raise-compliance-bar-sparking-delisting-concerns/): New regulations from the Indonesia Stock Exchange (IDX) are compelling hundreds of listed firms to increase public share ownership, a move aimed at boosting market transparency and liquidity that analysts believe could also lead some to delist.
- [AI Boom Fuels Stock Market Rally Amid Global Economic Headwinds in Mid-2026](https://howtoinvest.pro/financial-news/ai-boom-fuels-stock-market-rally-amid-global-economic-headwinds-mid-2026/): Major indices have posted strong gains year-to-date, largely propelled by a massive capital spending cycle in artificial intelligence that has so far overshadowed persistent inflation, slowing global growth, and geopolitical uncertainty.
- [New ‘Mangoes’ Acronym Signals AI-Focused Shift from ‘Magnificent 7’ Stocks](https://howtoinvest.pro/financial-news/new-mangoes-acronym-signals-ai-focused-shift-from-magnificent-7-stocks/): According to a recent analysis by the YouTube channel Everything Money, the market's focus is shifting towards a new cohort of technology leaders, highlighting the cyclical nature of investment trends and the rise of artificial intelligence.
- [JPMorgan Forecasts $165 Billion Wave of Institutional Stock Selling by End of Quarter](https://howtoinvest.pro/financial-news/jpmorgan-forecasts-165-billion-wave-of-institutional-stock-selling-by-end-of-quarter/): A significant portfolio rebalancing by some of the world's largest pension and sovereign wealth funds could lead to an estimated $165 billion in equity sales as June comes to a close, according to a recent JPMorgan analysis. The selling is attributed to routine portfolio adjustments following strong stock market performance.
- [Gen Z Fashion Market to Reach $242 Billion in 2026, Driven by Digital Trends and Demand for Individuality](https://howtoinvest.pro/financial-news/gen-z-fashion-market-size-share-trends-2026/): Valued at over $227 billion in 2025, the global fashion market for Generation Z is on a steady growth trajectory, shaped by the cohort's digital-native behaviors, price sensitivity, and a strong emphasis on personal expression.
- [Oil Prices Fall as U.S. and Iran Agree to 60-Day Roadmap for Peace Deal](https://howtoinvest.pro/financial-news/oil-prices-fall-as-us-iran-agree-to-60-day-roadmap-for-peace-deal/): Mediators Qatar and Pakistan announced the diplomatic breakthrough after talks in Switzerland, easing geopolitical tensions that had recently pushed oil prices to spike.
- [Global Car Care Products Market Sees Steady Growth Driven by Eco-Conscious Consumers and New Tech](https://howtoinvest.pro/financial-news/global-car-care-products-market-sees-steady-growth-driven-by-eco-conscious-consumers-and-new-tech/): Valued between $11.6 billion and $14.5 billion in 2025, the global car care products market is expanding, fueled by rising vehicle ownership, a growing do-it-yourself culture, and demand for sustainable and advanced solutions.
- [Brexit’s Economic Impact: UK GDP 6% to 8% Lower a Decade After Vote, Study Finds](https://howtoinvest.pro/financial-news/brexits-economic-impact-uk-gdp-lower-a-decade-after-vote-study-finds/): A decade after the United Kingdom voted to leave the European Union, a consensus among economic studies is forming, indicating a significant, cumulative negative impact on the nation's economy.
- [Markets Look to Earnings from FedEx and Micron, Fed Bank Stress Tests, and Key Inflation Data](https://howtoinvest.pro/financial-news/markets-look-to-earnings-fed-stress-tests-inflation-data-june-22-2026/): The final full week of the second quarter brings a slate of market-moving events. Investors will be closely watching quarterly reports from corporate heavyweights, the Federal Reserve's annual health check on the banking system, and a crucial inflation reading.
- [UK Stocks End Week Lower Amid Political Uncertainty and Economic Data](https://howtoinvest.pro/financial-news/uk-stocks-end-week-lower-amid-political-uncertainty-and-economic-data/): London's main stock index concluded the week with losses, influenced by a key by-election result that sparked political uncertainty, even as new data showed surprisingly strong retail sales.
- [Porsche to Finalize New Cost-Cutting Measures by July Amid Sales Slowdown](https://howtoinvest.pro/financial-news/porsche-to-finalize-new-cost-cutting-measures-by-july-amid-sales-slowdown/): The German sports car manufacturer is responding to a sharp drop in profitability and weaker global demand with a new efficiency drive aimed at improving margins.
- [SpaceX Completes Record-Breaking IPO in Volatile First Week of Trading](https://howtoinvest.pro/financial-news/spacex-completes-record-breaking-ipo-in-volatile-first-week/): SpaceX made its public debut on June 12 in the largest initial public offering in history, raising over $85 billion. The first week of trading saw the stock surge before pulling back, highlighting the intense investor focus on the aerospace and AI giant.
- [U.S.-Iran Peace Deal: How the Agreement to End Hostilities Could Affect Global Economy and Your Finances](https://howtoinvest.pro/financial-news/us-iran-peace-deal-economic-impact-june-2026/): An agreement signed this week between the United States and Iran aims to end a conflict that has shaken the global economy for months. The deal's effects are already being felt, from oil markets to shipping lanes, with potential consequences for household budgets.
- [SoundHound AI Reports Strong Revenue Growth Amid Strategic Acquisition and Continued Losses](https://howtoinvest.pro/financial-news/soundhound-ai-reports-strong-revenue-growth-amid-strategic-acquisition-and-continued-losses/): Riding a wave of enterprise adoption in the booming voice AI sector, SoundHound AI has reported significant revenue growth and is pursuing a major acquisition, though the company continues to post net losses as it invests in expansion.

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## Sobre o HowToInvest

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