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Series Savings 18 Salary Savings 1000 Each with Financial Stocks💰ðŸĶ

📅 salary out. What stock savings plans are everyone having this month? Today we deposited three financial stocks. Even though the United States has reduced interest, the financial stocks can continue to go. Let's see which ones should be invested in this period. At the end of the post, there is an update to the United States economy. 📅👀

1ïļâƒĢ NU Holdings (NU) ðŸ’ģ FinTech, Latin America's largest digital bank from Brazil with an emphasis on digital accounting services, credit cards, e-wallet and online loans, is a branchless banking model that is growing sensitive in Latin America.

2ïļâƒĢ Bank of America (BAC) ðŸĶ US Top 3 Bank. It is one of the globally influential financial institutions with both consumer banking, credit cards, loans, investments and capital markets. BAC has high stability and dividends. Grandfather Buffett also has in the portfolio.

3ïļâƒĢ Wells Fargo (WFC) 💰 U.S. 4th Bank has a long history since the US Civil War era. It featured home loans, commercial loans and other services for retail customers. There were adjustments such as investment in other small businesses, and stocks were recovering during this period.

ðŸ’ē investment proportion and who fits which one? ðŸ’ē

1ïļâƒĢ 40% lead with NU. The growth line must not be missed. Because the Latin American market is growing fast and there are a lot of customers, and the group goes to new and older customers who want to get fast service from digital banks without branches.

2ïļâƒĢ followed by 30% belonging to BAC, suitable for big stocks, blue chip stocks and good dividends. Come to BAC, see before. Because it grows according to the US economy, even if there is a reduction in interest, it is also helpful to reduce some costs.

3ïļâƒĢ with 30% of the lottery at WFC, the war-torn grandfather, but the business is always fit to grow. Although focusing on old-style home and bank loans, there is always more investment in new businesses, it is suitable for the long savings line.

FED Lowering Interest Why Financial Stocks Go On ðŸ“Ģ

As the FED has reduced interest, bank stocks may grow slowly because they collect less interest. But around this time, bank stocks increase as a result of reduced interest, also reduce business costs because banks sometimes recover themselves. People pay back their debts also increase as a result of reduced interest. Some banks also have income from the capital market. Therefore, major US banks have the opportunity to make more money during the interest reduction. But if they reduce a lot and often, they can lose stocks. Here, have to look at the stock basis well.

🙋‍♂ïļ everyone. At the end of the month, buy some shares or save any way to share. As for this, the money is not out yet, haha. 🙋‍♂ïļ

❗ïļ investment is risky. The information should be studied before making an investment decision. ❗ïļ

# dime # Big money story # Investment finance # What is good investment? # Keep money

2025/9/29 Edited to

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Read moreāļŦāļĨāļēāļĒāļ„āļ™āđ€āļŠāļīāļĢāđŒāļŠāļŦāļē “āļŦāļļāđ‰āļ™ NU / nu āļŦāļļāđ‰āļ™â€ āđ€āļžāļĢāļēāļ°āļ­āļĒāļēāļāļĢāļđāđ‰āļ§āđˆāļē NU Holdings (āļ•āļąāļ§āļĒāđˆāļ­ NU) āļ„āļ·āļ­āļšāļĢāļīāļĐāļąāļ—āļ­āļ°āđ„āļĢ āđāļĨāđ‰āļ§āļ„āļ§āļĢāđ€āļĢāļīāđˆāļĄāļ­āļ­āļĄāļ”āđ‰āļ§āļĒāļŦāļļāđ‰āļ™āļ™āļĩāđ‰āļĒāļąāļ‡āđ„āļ‡āđƒāļŦāđ‰āđ„āļĄāđˆāļŦāļĨāļļāļ”āđāļœāļ™ āđ€āļĢāļēāđ€āļĨāļĒāļŠāļĢāļļāļ›āđāļšāļšāļ āļēāļĐāļēāļ„āļ™āļĨāļ‡āļ—āļļāļ™āļĄāļ·āļ­āđƒāļŦāļĄāđˆāļ—āļĩāđˆāļ­āļĒāļēāļāļ—āļĒāļ­āļĒāļ‹āļ·āđ‰āļ­āđ€āļ”āļ·āļ­āļ™āļĨāļ° 1,000 āļšāļēāļ—āļ™āļ° NU āļ„āļ·āļ­ FinTech/āļ˜āļ™āļēāļ„āļēāļĢāļ”āļīāļˆāļīāļ—āļąāļĨāļĢāļēāļĒāđƒāļŦāļāđˆāļ‚āļ­āļ‡āļĨāļēāļ•āļīāļ™āļ­āđ€āļĄāļĢāļīāļāļē (āļāļēāļ™āļŦāļĨāļąāļāļšāļĢāļēāļ‹āļīāļĨ) āļˆāļļāļ”āļ‚āļēāļĒāļ„āļ·āļ­ â€œāļ˜āļ™āļēāļ„āļēāļĢāđ„āļĢāđ‰āļŠāļēāļ‚āļē” āļ—āļģāđƒāļŦāđ‰āļ•āđ‰āļ™āļ—āļļāļ™āļ•āđˆāļģ āđāļĨāļ°āđ€āļ‚āđ‰āļēāļ–āļķāļ‡āļ„āļ™āļ—āļĩāđˆāļ­āļĒāļđāđˆāļ™āļ­āļāļĢāļ°āļšāļšāļ˜āļ™āļēāļ„āļēāļĢāđāļšāļšāđ€āļ”āļīāļĄāđ„āļ”āđ‰āļ‡āđˆāļēāļĒ āļšāļĢāļīāļāļēāļĢāļŦāļĨāļąāļ āđ† āļ—āļĩāđˆāļ„āļ™āļžāļđāļ”āļ–āļķāļ‡āļ„āļ·āļ­āļšāļąāļāļŠāļĩāļ”āļīāļˆāļīāļ—āļąāļĨ āļšāļąāļ•āļĢāđ€āļ„āļĢāļ”āļīāļ• e-wallet āđāļĨāļ°āļŠāļīāļ™āđ€āļŠāļ·āđˆāļ­ āļ‹āļķāđˆāļ‡āļ–āđ‰āļēāļˆāļģāļ™āļ§āļ™āļĨāļđāļāļ„āđ‰āļēāđ‚āļ•āļ•āđˆāļ­āđ€āļ™āļ·āđˆāļ­āļ‡ āļĢāļēāļĒāđ„āļ”āđ‰āļ„āđˆāļēāļ˜āļĢāļĢāļĄāđ€āļ™āļĩāļĒāļĄ/āļ”āļ­āļāđ€āļšāļĩāđ‰āļĒāļāđ‡āļĄāļĩāđ‚āļ­āļāļēāļŠāđ‚āļ•āļ•āļēāļĄ āļ–āđ‰āļēāļ–āļēāļĄāļ§āđˆāļēāđ€āļĢāļēāļ”āļđāļ­āļ°āđ„āļĢāđ€āļ§āļĨāļēāļˆāļ°āđ€āļĢāļīāđˆāļĄāļ­āļ­āļĄ â€œāļŦāļļāđ‰āļ™ NU” āļŠāļīāđˆāļ‡āļ—āļĩāđˆāļŠāđˆāļ§āļĒāđƒāļŦāđ‰āđ„āļĄāđˆāļ‹āļ·āđ‰āļ­āđāļšāļšāđ€āļ”āļēāļŠāļļāđˆāļĄāļ„āļ·āļ­āđ€āļŠāđ‡āļāļĨāļīāļŠāļ•āđŒāļŠāļąāđ‰āļ™ āđ†: 1) āļāļēāļĢāđ€āļ•āļīāļšāđ‚āļ•āļ‚āļ­āļ‡āļĨāļđāļāļ„āđ‰āļēāđāļĨāļ°āļĢāļēāļĒāđ„āļ”āđ‰: NU āđ€āļ”āđˆāļ™āļ—āļĩāđˆāļāļēāļĢāļŦāļēāļĨāļđāļāļ„āđ‰āļēāđƒāļŦāļĄāđˆāđ€āļĢāđ‡āļ§ āđāļ•āđˆāļ•āđ‰āļ­āļ‡āļ”āļđāļ§āđˆāļēāļĢāļēāļĒāđ„āļ”āđ‰āļ•āđˆāļ­āļœāļđāđ‰āđƒāļŠāđ‰ (ARPU) āđāļĨāļ°āļ„āļļāļ“āļ āļēāļžāļŠāļīāļ™āđ€āļŠāļ·āđˆāļ­āđ‚āļ•āļ•āļēāļĄāđ„āļŦāļĄ 2) āļ„āļļāļ“āļ āļēāļžāļŦāļ™āļĩāđ‰/āļ„āļ§āļēāļĄāđ€āļŠāļĩāđˆāļĒāļ‡āđ€āļ„āļĢāļ”āļīāļ•: āļŦāļļāđ‰āļ™āļŠāļēāļĒāļŠāļīāļ™āđ€āļŠāļ·āđˆāļ­ āļ–āđ‰āļēāļŦāļ™āļĩāđ‰āđ€āļŠāļĩāļĒāļ‚āļķāđ‰āļ™āđāļĢāļ‡āļāļģāđ„āļĢāļˆāļ°āđ‚āļ”āļ™āļāļ”āļ—āļąāļ™āļ—āļĩ āļĨāļ­āļ‡āļ”āļđāđāļ™āļ§āđ‚āļ™āđ‰āļĄ NPL āđāļĨāļ°āļāļēāļĢāļ•āļąāđ‰āļ‡āļŠāļģāļĢāļ­āļ‡ 3) āļ„āļ§āļēāļĄāđ€āļŠāļĩāđˆāļĒāļ‡āļ„āđˆāļēāđ€āļ‡āļīāļ™: āđ€āļĢāļēāļ‹āļ·āđ‰āļ­āđ€āļ›āđ‡āļ™ USD āđāļ•āđˆāļ˜āļļāļĢāļāļīāļˆāļ­āļĒāļđāđˆāļĨāļēāļ•āļīāļ™āļ­āđ€āļĄāļĢāļīāļāļē āļœāļĨāļ›āļĢāļ°āļāļ­āļšāļāļēāļĢāļ­āļēāļˆāļœāļąāļ™āļœāļ§āļ™āļ•āļēāļĄāļŠāļāļļāļĨāđ€āļ‡āļīāļ™āļ—āđ‰āļ­āļ‡āļ–āļīāđˆāļ™ 4) Valuation āļ„āļĢāđˆāļēāļ§ āđ†: āļŦāļĨāļēāļĒāļ„āļ™āļŠāļ­āļšāļ”āļđ P/E, P/BV, ROE/ROA āđ€āļžāļ·āđˆāļ­āđ€āļ—āļĩāļĒāļšāļāļąāļšāļ˜āļ™āļēāļ„āļēāļĢ/FinTech āļ•āļąāļ§āļ­āļ·āđˆāļ™ āđ† āļ§āđˆāļēāļĢāļēāļ„āļēāđāļžāļ‡āđ„āļ›āđ„āļŦāļĄāđ€āļĄāļ·āđˆāļ­āđ€āļ—āļĩāļĒāļšāļāļēāļĢāđ€āļ•āļīāļšāđ‚āļ• āļ§āļīāļ˜āļĩāļ­āļ­āļĄāđ€āļ”āļ·āļ­āļ™āļĨāļ° 1,000 āđāļšāļšāļ—āļĩāđˆāļ—āļģāđāļĨāđ‰āļ§ â€œāđ„āļĄāđˆāđ€āļ„āļĢāļĩāļĒāļ”” āļ„āļ·āļ­āđƒāļŠāđ‰ DCA (āļ—āļĒāļ­āļĒāļ‹āļ·āđ‰āļ­āđ€āļ—āđˆāļē āđ† āļāļąāļ™āļ—āļļāļāđ€āļ”āļ·āļ­āļ™) āđāļĨāļ°āļ•āļąāđ‰āļ‡āļāļ•āļīāļāļēāļāļąāļšāļ•āļąāļ§āđ€āļ­āļ‡ āđ€āļŠāđˆāļ™ āļ‹āļ·āđ‰āļ­āļ§āļąāļ™āđ€āļ‡āļīāļ™āđ€āļ”āļ·āļ­āļ™āļ­āļ­āļāļŦāļĢāļ·āļ­āļŠāļīāđ‰āļ™āđ€āļ”āļ·āļ­āļ™ āđ€āļĨāļ·āļ­āļ 1 āļ§āļąāļ™āđƒāļŦāđ‰āļŠāļąāļ” āđāļĨāđ‰āļ§āđ„āļĄāđˆāđ„āļĨāđˆāļĢāļēāļ„āļē āļ–āđ‰āļēāļ­āļĒāļēāļāļĨāļ”āļ„āļ§āļēāļĄāļœāļąāļ™āļœāļ§āļ™ āđ€āļĢāļēāļˆāļ°āļœāļŠāļĄāļŦāļļāđ‰āļ™āļ˜āļ™āļēāļ„āļēāļĢāđƒāļŦāļāđˆāļŠāļŦāļĢāļąāļāļ­āļĒāđˆāļēāļ‡ BAC/WFC āđ„āļ§āđ‰āļ”āđ‰āļ§āļĒ āđ€āļžāļĢāļēāļ°āđ€āļ›āđ‡āļ™āļ„āļ™āļĨāļ°āļŠāđ„āļ•āļĨāđŒ: NU āđ€āļ™āđ‰āļ™āđ€āļ•āļīāļšāđ‚āļ•, BAC/WFC āđ€āļ™āđ‰āļ™āļ„āļ§āļēāļĄāļĄāļąāđˆāļ™āļ„āļ‡āđāļĨāļ°āļ§āļąāļāļˆāļąāļāļĢāđ€āļĻāļĢāļĐāļāļāļīāļˆ (āļšāļēāļ‡āļŠāđˆāļ§āļ‡āļĒāļąāļ‡āļĄāļĩāļ›āļąāļ™āļœāļĨāļŠāđˆāļ§āļĒāļžāļĒāļļāļ‡āđƒāļˆ) āļ­āļĩāļāđ€āļĢāļ·āđˆāļ­āļ‡āļ—āļĩāđˆāļ„āļ™āļŠāļ‡āļŠāļąāļĒāļ„āļ·āļ­ â€œāļ”āļ­āļāđ€āļšāļĩāđ‰āļĒāļŠāļŦāļĢāļąāļāļĨāļ”āđāļĨāđ‰āļ§āļŦāļļāđ‰āļ™āļāļēāļĢāđ€āļ‡āļīāļ™āļĒāļąāļ‡āđ„āļŦāļ§āđ„āļŦāļĄâ€ āļĄāļļāļĄāļ—āļĩāđˆāđ€āļĢāļēāđƒāļŠāđ‰āļ„āļīāļ”āļ„āļ·āļ­ āļ˜āļ™āļēāļ„āļēāļĢāļ­āļēāļˆāđ‚āļ”āļ™āļāļ”āđ€āļĢāļ·āđˆāļ­āļ‡āļŠāđˆāļ§āļ™āļ•āđˆāļēāļ‡āļ”āļ­āļāđ€āļšāļĩāđ‰āļĒ (NIM) āđāļ•āđˆāļ–āđ‰āļēāļ”āļ­āļāđ€āļšāļĩāđ‰āļĒāļĨāļ”āļ—āļģāđƒāļŦāđ‰āļĨāļđāļāļŦāļ™āļĩāđ‰āļœāđˆāļ­āļ™āļ‡āđˆāļēāļĒāļ‚āļķāđ‰āļ™ āļŦāļ™āļĩāđ‰āđ€āļŠāļĩāļĒāļĨāļ” āļ•āđ‰āļ™āļ—āļļāļ™āđ€āļ‡āļīāļ™āļ—āļļāļ™āļšāļēāļ‡āļŠāđˆāļ§āļ™āļ–āļđāļāļĨāļ‡ āļŦāļĢāļ·āļ­āļĢāļēāļĒāđ„āļ”āđ‰āļˆāļēāļāļ•āļĨāļēāļ”āļ—āļļāļ™āļ”āļĩāļ‚āļķāđ‰āļ™ āļŦāļļāđ‰āļ™āļāļēāļĢāđ€āļ‡āļīāļ™āļāđ‡āļĒāļąāļ‡āđ„āļ›āļ•āđˆāļ­āđ„āļ”āđ‰ āđāļ•āđˆāļ–āđ‰āļēāļĨāļ”āđāļĢāļ‡/āļĨāļ”āļ–āļĩāđˆāļˆāļ™āđ€āļĻāļĢāļĐāļāļāļīāļˆāļĄāļĩāļŠāļąāļāļāļēāļ“āđ€āļŠāļĩāđˆāļĒāļ‡ āļ•āļĨāļēāļ”āļ­āļēāļˆāļāļąāļ‡āļ§āļĨāđāļĨāđ‰āļ§āđ€āļŦāļ§āļĩāđˆāļĒāļ‡āđāļĢāļ‡āđ€āļŦāļĄāļ·āļ­āļ™āļāļąāļ™ āļŠāļĢāļļāļ›āļŠāļģāļŦāļĢāļąāļšāļ„āļ™āđ€āļŠāļīāļĢāđŒāļŠ â€œnu āļŦāļļāđ‰āļ™â€: NU āļ™āđˆāļēāļŠāļ™āđƒāļˆāđƒāļ™āļāļēāļ™āļ°āļŦāļļāđ‰āļ™āļāļēāļĢāđ€āļ‡āļīāļ™āļŠāļēāļĒāđ€āļ•āļīāļšāđ‚āļ• āđāļ•āđˆāļ•āđ‰āļ­āļ‡āļĒāļ­āļĄāļĢāļąāļšāļ„āļ§āļēāļĄāļœāļąāļ™āļœāļ§āļ™āđāļĨāļ°āļ„āļ§āļēāļĄāđ€āļŠāļĩāđˆāļĒāļ‡āļ›āļĢāļ°āđ€āļ—āļĻ/āļ„āđˆāļēāđ€āļ‡āļīāļ™ āļ–āđ‰āļēāđ€āļžāļīāđˆāļ‡āđ€āļĢāļīāđˆāļĄ āđāļ™āļ°āļ™āļģāđ€āļĢāļīāđˆāļĄāđ€āļĨāđ‡āļ āđ† āđāļšāļšāļ­āļ­āļĄ DCA āđāļĨāļ°āļāļĢāļ°āļˆāļēāļĒāļāļąāļšāļŦāļļāđ‰āļ™āđƒāļŦāļāđˆ (āđ€āļŠāđˆāļ™ BAC/WFC) āļˆāļ°āļ—āļģāđƒāļŦāđ‰āļ–āļ·āļ­āļĒāļēāļ§āđ„āļ”āđ‰āļŠāļšāļēāļĒāđƒāļˆāļāļ§āđˆāļē *āļāļēāļĢāļĨāļ‡āļ—āļļāļ™āļĄāļĩāļ„āļ§āļēāļĄāđ€āļŠāļĩāđˆāļĒāļ‡ āļ„āļ§āļĢāļĻāļķāļāļĐāļēāļ‚āđ‰āļ­āļĄāļđāļĨāļāđˆāļ­āļ™āļ•āļąāļ”āļŠāļīāļ™āđƒāļˆ*