📈 Buffett’s 3 Rules to Live By

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Good Morning & Happy Friday!

Markets are betting big on a Fed rate cut, gold hits a record high, and Trump targets chip imports. Plus: Broadcom’s booming, American Eagle’s rallying, and we’ve got Buffett wisdom at 95, along with smart takes on savings, valuations, and building lasting wealth.

Grab your Iced Latte and let’s get into it. ☕️ 👇️ 

How 433 Investors Unlocked 400X Return Potential

Institutional investors back startups to unlock outsized returns. Regular investors have to wait. But not anymore. Thanks to regulatory updates, some companies are doing things differently.

Take Revolut. In 2016, 433 regular people invested an average of $2,730. Today? They got a 400X buyout offer from the company, as Revolut’s valuation increased 89,900% in the same timeframe.

No wonder 10K+ everyday people are taking the chance on Pacaso.

Founded by a former Zillow exec, Pacaso’s co-ownership tech reshapes the $1.3T vacation home market. They’ve earned $110M+ in gross profit to date, including 41% YoY growth in 2024 alone. They even reserved the Nasdaq ticker PCSO.

The same institutional investors behind Uber, Venmo, and eBay backed Pacaso. And you can join them. But not for long. Pacaso’s investment opportunity ends September 18.

Invest While You Still Can

_{Paid advertisement for Pacaso’s Regulation A offering. Read the offering circular at invest.pacaso.com. Reserving a ticker symbol is not a guarantee that the company will go public. Listing on the NASDAQ is subject to approvals.}

Market News

📈 Futures rise as rate-cut bets rise ahead of crucial jobs report
U.S. stock futures ticked higher Friday as investors brace for the August jobs report, expected to confirm a cooling labor market. Wall Street sees a 99% chance of a Fed rate cut this month. S&P 500 futures hit new highs, Nasdaq leads gains, and weak job data could shape how fast or deep the Fed moves.

🥇Why is the price of gold hitting recor
Gold surged past $3,550/oz, marking an all-time high as investors flee to safety amid war, political tension, and economic instability. Trump’s tariffs and Fed pressure, plus weak global currencies, are making gold more attractive. With falling interest rates and shaky confidence in U.S. assets, even foreign governments are buying in.

🐿️ Trump warns ‘fairly substantial’ chip tariffs are coming
At a White House dinner with top tech CEOs, President Trump doubled down on plans for steep semiconductor tariffs, unless companies shift production to the U.S. Apple, which pledged $600B in domestic investment, is expected to be spared. Major players like TSMC and Samsung may also dodge tariffs if they continue building U.S. plants, though details remain unclear.

💰️ Broadcom's Revenue Reaches Record High on Strong AI Demand
Broadcom (AVGO) reported record Q3 revenue of $15.95B, up 22% YoY, fueled by a 63% jump in AI chip sales. EPS of $1.69 beat expectations, and the company forecasts continued growth next quarter. CEO Hock Tan expects AI revenue to hit $6.2B in Q4, marking 11 straight quarters of growth. Broadcom stock has risen nearly 33% in 2025.

👖 Sydney Sweeney Has Aided a Huge Reversal for American Eagle's Shares. What Now?
American Eagle (AEO) shares are up 38%, rebounding from July lows under $10 to over $18, fueled by celebrity buzz, strong Aerie sales, and better-than-expected earnings. UBS sees real progress beyond hype, but analysts warn the stock may have outrun fundamentals, especially with tough teen retail competition heating up.

Invest & Strategies

💵 Your Window Is Closing Fast - Where to Put Savings
Markets are betting on a 96% chance the Fed cuts rates on Sept. 17, ending its long pause. That’s good news for borrowers, but bad news for savers. Today’s high-yield savings rates (4–5%) won’t last much longer, so now’s the time to lock one in before they start sliding.

🫧 Are We at Bubble-Level Valuations?
Yes, today’s stock valuations are elevated, but comparing them to the 150-year average misses the mark. Since the 1990s, profit margins, business models, and index composition have evolved, making higher valuations more justifiable. This time is different, but that doesn’t mean risk is gone. Most of the overvaluation is concentrated in megacap tech, and with lofty expectations already priced in, there’s not much room for error.

💲 Why keeping wealth requires sacrifice
If 100 random people woke up with $10 million tomorrow, most wouldn’t go bankrupt, but many would still waste it. The article digs into research showing over 30% of lottery winners file bankruptcy, compared to less than 1% of the general population. Why? Because fast money skips the hard part: discipline. Without the struggle to earn it, most don’t value it, and studies show even mid-tier lottery winners don’t fare better than small ones. Wealth built slowly tends to last. Windfalls? Not so much.

🔎 A Collection of My Favorite Buffett-isms
To honor Warren Buffett’s 95th birthday, Kingswell pulled together 95 of his sharpest, wisest, and occasionally funniest quotes, covering everything from investing to life philosophy. It’s a buffet of Buffett: rules to invest by, warnings against leverage, and reminders that temperament beats IQ every time. Whether you’re new to his thinking or a seasoned disciple, there’s gold here.

🏘️ U.S. Commercial Real Estate Outlook: Autumn 2025
Rising home prices are pushing more people into rentals, boosting demand while new construction dives 68% below peak across core sectors like apartments and retail. If tariff tensions cool, it could revive warehouse and retail leasing, but don’t expect miracles. Data centers and senior housing lead the pack, driven by AI growth and aging demographics, while income, not appreciation, is set to drive returns. With the economy slowing, sectors tied to long-term trends will likely outperform.

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