For investors aiming to balance steady income with potential capital appreciation, high-yield blue-chip stocks present an attractive option. These stocks represent well-established, financially robust companies with a history of consistent dividend payments, offering stability and income. 

Companies like Dow Inc., Verizon, and Pfizer stand out for their strong market positions, innovative strategies, and impressive dividend yields. Dow, with a yield of 7.22%, benefits from demand in high-growth sectors and sustainability initiatives. 

Verizon, offering a 7.00% yield, is expanding its 5G and fiber networks to drive future growth. Meanwhile, Pfizer, yielding 6.43%, leverages a robust product pipeline and strategic partnerships to maintain its industry leadership. 

Finsum: These firms highlight the appeal of high-yield blue-chip stocks for investors seeking reliable returns and long-term growth.

ETF issuers are continually innovating to meet the demand for buffer strategies, appealing to financial advisors and clients who prioritize downside protection, even if it limits potential gains. Often dubbed "boomer candy" for their popularity among retirees, buffered ETFs offer a sense of security akin to a safety net for nervous investors. 

The market for these ETFs has grown exponentially, with over 200 options managing nearly $46 billion in assets, a significant leap from just $200 million in 2018. These strategies typically shield against initial market declines, like the first 10%, while capping upside returns and are often tied to indices like the S&P 500. 

Variations now include funds offering complete downside protection or innovative approaches like Calamos Investments’ product, which protects bitcoin’s price, but caps gain at 10%. 

Finsum: Investors looking for stability particularly as they are aging could benefit from these strategies. 

The Salt Financial Annuity Index Report for December also serves as the 2024 year-end review, showcasing trends in annuity index performance. U.S. large-cap equities and gold delivered strong gains, while small caps, international stocks, and bonds lagged, contributing to better returns for equity-only volatility-controlled strategies over multi-asset designs. 

Despite solid nominal returns, higher volatility in technology-heavy indices reduced their risk-adjusted performance compared to broader benchmarks like the S&P 500. Excess-return structures in annuities, combined with elevated interest rates, weighed on returns, particularly for bonds and multi-asset indices. 

Equity-only indices tied to U.S. large caps led the pack, but the cyclical nature of markets underscores the importance of diversification. 

Finsum: Advisors should consider dynamic strategies to optimize their clients’ outcomes. 

Municipal bonds, often overlooked, are gaining attention as fixed income performs strongly, prompting investors to reconsider their portfolios for 2025. Gregory Steier from Brown Brothers Harriman, highlighted that with elevated yields and record municipal issuance, risks are relatively low, making this an exciting time for munis. 

Steier emphasized that, for 2025, high-quality municipal portfolios might even outperform equities. Munis are attractive for their liquidity, income, diversification, and tax efficiency, with national muni bonds offering advantages over state-specific ones. 

Investors can access municipal exposure through ETFs like the ALPS Intermediate Municipal Bond ETF (MNBD), which focuses on bonds exempt from federal taxes, offering an active approach and strong returns, outperforming its benchmark. 

Finsum: This strategy could be a compelling option for those seeking solid yields to kick off the new year.

Sixteen years ago, alternative investments barely featured in most portfolios, aside from a modest allocation to commodities. Options for retail investors were limited, with most alternatives either prohibitively expensive or inaccessible. 

Today, portfolios tell a completely different story, with many being dedicated to alternatives like private equity, private credit, and reinsurance, reflecting how the landscape has evolved. 

Advances such as interval funds and lower fee structures have opened doors for individual investors to tap into the benefits of these assets, including the sought-after illiquidity premium. Unlike the past, where high fees often negated returns, competitive pricing and improved liquidity have made alternatives a more viable choice. 

Finsum: These innovations now allow for greater diversification and the potential to cushion traditional portfolios against market volatility.