Latest news with #Macrotrends
Yahoo
4 days ago
- Business
- Yahoo
If You Invested $10K in These 3 Dividend Stocks 10 Years Ago, You'd Be a Millionaire
Dividend stocks offer the unique advantage of simultaneously generating capital appreciation and passive income. Investors who own them enjoy the flexibility of harvesting their periodic distributions or reinvesting them to accelerate compounding. Read Next: For You: The best dividend stocks can turn even a comparatively modest investment into a small fortune relatively quickly. If you had invested $10,000 in these dividend stocks 10 years ago, you'd be a millionaire today. Nvidia has been Wall Street's number one growth stock darling of the last decade, but companies focused on growth reinvest their profits instead of distributing them as shareholder dividends, right? Most, but not all. Per Nasdaq, Nvidia began paying modest dividends in mid-2013, so investors who jumped on board in mid-2015 would have been reaping or reinvesting them for the last decade, a period of extraordinary growth for the company. Here's how your $10,000 would have grown over the last 10 years had you harvested your dividends as income. Check Out: June 11, 2015 share price: 53 cents, according to Macrotrends June 11, 2025 share price: $142.83, according to Macrotrends Returns: 26,849.06% 10-year ROI excluding dividends: $2,684,906 Reinvesting dividends can magnify gains exponentially. However, calculating long-term gains with a DRIP (dividend reinvestment plan) is more complex and inexact because dividend yields fluctuate over time, which affects the number of shares that can be purchased with each reinvestment, as does the stock's always-changing purchase price at the time of the reinvestment. Also, growing companies often issue stock splits, which change the number and value of a given investor's shares. Therefore, the calculation must rely on averages and close estimates. Initial purchase: 18,868 shares Stock splits since 2015: 4:1 in 2021 (75,472 shares) and 10:1 in 2024 (754,717 shares), per CompaniesMarketCap Approximate average dividend yield over 10 years: 0.25%, according to Macrotrends Approximate number of shares after 10 years: 852,557 Approximate ROI with dividend reinvestment at June 11 trading price: $121,770,716 Here's how your $10,000 would have grown if you invested it in the land-holding company Texas Pacific in 2015. This calculation is even more complex than NVDA because TPL issued several flat-rate 'special' dividends over the last 10 years on top of the standard yield, according to Seeking Alpha. June 11, 2015 share price: $50 June 11, 2025 share price: $1,100 Returns: 2,100% 10-year ROI excluding dividends: $220,000 Initial purchase: 200 shares Stock splits since 2015: 3:1 in 2024 (600 shares), per CompaniesMarketCap Approximate average dividend yield over 10 years: 2.2%, according to Macrotrends Approximate number of shares after 10 years: 1,150 Approximate ROI with dividend reinvestment at June 11 trading price: $1,265,000 Semiconductor and infrastructure software solutions provider Broadcom also delivered stellar gains, which dividend reinvestment could have multiplied many times over. June 11, 2015 share price: $14.05, per Google Finance June 11, 2025 share price: $255.52, per Google Finance Returns: 1,718.65% 10-year ROI excluding dividends: $181,865 Initial purchase: 711.74 shares Stock splits since 2015: 10:1 in 2024 (7,117.4), per CompaniesMarketCap Approximate average dividend yield over 10 years: 2.23%, per Macrotrends Approximate number of shares after 10 years: 9,280 Approximate ROI with dividend reinvestment at June 11 trading price: $2,366,400 More From GOBankingRates 4 Housing Markets That Have Plummeted in Value Over the Past 5 Years This article originally appeared on If You Invested $10K in These 3 Dividend Stocks 10 Years Ago, You'd Be a Millionaire Sign in to access your portfolio
MTV Lebanon
5 days ago
- Climate
- MTV Lebanon
16 Jun 2025 17:44 PM Heavy rains in dry season cause havoc in DR Congo's capital
At least 29 people have been killed in flood waters and landslides in the Democratic Republic of Congo's capital, Kinshasa, following unusually heavy rains in the dry season, the interior ministry has said. Homes were swept away, roads were flooded, and widespread power cuts were recorded as a third of the city was affected by the downpour. DR Congo's meteorological agency Mettelsat said that 90mm (3.5in) of rain was recorded on Saturday morning - higher than on any single day during the rainy season that lasts from November to May. Experts say the heavy rains are being fuelled by climate change. The consequences are devastating because of a lack of urban planning and proper drainage. Kinshasa sits on the Congo river, which is one of the longest in the world and stretches across the country. Many residents of the capital live in poorly built homes, or near areas prone to flooding, as its population grows with an influx of people from other parts of the country. Kinshasa's population is estimated to be nearing18 million - an increase of more than 4% from 2024, according to Macrotrends. Interior Minister Shabani Lukoo chaired a crisis meeting to coordinate the government's flood response, the interior ministry said in a statement. The government extended its condolences to bereaved families, and would cover the funeral expenses of the 29 people who died, it added. More than 100 people died in flash floods in eastern DR Congo's South Kivu region in May, and more than 30 in Kinshasa in April.
Yahoo
5 days ago
- Climate
- Yahoo
Heavy rains in dry season cause havoc in DR Congo's capital
At least 29 people have been killed in flood waters and landslides in the Democratic Republic of Congo's capital, Kinshasa, following unusually heavy rains in the dry season, the interior ministry has said. Homes were swept away, roads were flooded, and widespread power cuts were recorded as a third of the city was affected by the downpour. DR Congo's meteorological agency Mettelsat said that 90mm (3.5in) of rain was recorded on Saturday morning - higher than that of the rainy season that lasts from November through to May. Experts say the heavy rains are being fuelled by climate change. The consequences are devastating because of a lack of urban planning and proper drainage. Kinshasa sits on the Congo river, which is one of the longest in the world and stretches across the country. Many residents of the capital live in poorly built homes, or near areas prone to flooding, as its population grows with an influx of people from other parts of the country. Kinshasa's population is estimated to be nearing18 million - an increase of more than 4% from 2024, according to Macrotrends. Interior Minister Shabani Lukoo chaired a crisis meeting to coordinate the government's flood response, the interior ministry said in a statement. The government extended its condolences to bereaved families, and would cover the funeral expenses of the 29 people who died, it added. More than 100 people died in flash floods in eastern DR Congo's South Kivu region in May, and more than 30 in Kinshasa in April. Rare antelope captured on camera as experts say under 100 exist 'I risked drowning to flee conscription by Congolese rebels' The evidence that shows Rwanda is backing rebels in DR Congo Go to for more news from the African continent. Follow us on Twitter @BBCAfrica, on Facebook at BBC Africa or on Instagram at bbcafrica Focus on Africa This Is Africa
Yahoo
07-06-2025
- Business
- Yahoo
If You Invested Every Social Security Check for 10 Years, How Rich Would You Be?
One common criticism of Social Security is that Americans would be much better off financially if the money they paid into the retirement program through payroll taxes was instead invested into private investment accounts. That same argument can be applied to Social Security checks — seniors would have much more wealth if they invested their checks as soon as they got them. Be Aware: For You: But is this a reasonable request for most people, especially those on a fixed income? To help find the answer here is a closer look at how much you could earn by investing your Social Security checks over a decade. For those seniors who can afford to invest all of their Social Security checks, the potential payoff is considerable. The following table shows how much profit you would have made if you invested every Social Security check over the past 10 years into the S&P 500, from 2015 through the beginning of 2025. The data includes the average Social Security check by year as previously reported by GOBankingRates. It also includes the average annual return of the S&P 500 from 2015 to 2025, as cited by Macrotrends (other sources might reflect different returns). Up Next: A couple things to keep in mind: The figures below are based only on yearly averages, which means they don't include month-to-month fluctuations that happen with the stock market. They also don't include other types of investments — such as crypto or real estate — that would have produced very different returns. Year Avg. monthly SS check Total SS payments for year S&P 500 return Profit/loss for year 2015 $1,341.77 $16,101.24 -0.73% -$117.54 2016 $1,360.13 $16,321.56 +9.54% +1,557.08 2017 $1,404.15 $16,849.80 +19.42% +3,272.23 2018 $1,461.31 $17,535.72 -6.24% -$1,094.23 2019 $1,455.22 $17,462.64 +28.88% +5,043.21 2020 $1,489.30 $17,871.60 +16.26% +2,905.92 2021 $1,517.98 $18,215.76 +26.89% +4,898.22 2022 $1,615.96 $19,391.52 -19.44% -3,769.71 2023 $1,696.35 $20,356.20 +24.23% +4,932.31 2024 $1,909.01 $22,908.12 +23.31% +5,339.88 2025 $1,976 $23,712 +1.96% +$464.76 Total profit/loss +$23,432.33 According to the table above, if you invested all of your monthly Social Security checks in the S&P 500 over the past decade, your nest egg would have grown by over $20,000. That kind of return should bring cheer to financial gurus, like Dave Ramsey, who recommends applying for Social Security retirement benefits as early as possible. For example, you could start collecting benefits at age 62 instead of the full retirement age of 66 or 67 and then immediately invest every monthly payment. There's just one problem with that reasoning. A large percentage of seniors don't have the financial ability to put their Social Security checks into stocks, bonds, mutual funds, exchange-traded funds, real estate, crypto or other investments. They need the money to pay the bills. For about half of U.S. seniors, Social Security provides at least 50% of their overall retirement income, according to research from the Center on Budget and Policy Priorities. For about one in four seniors, Social Security provides at least 90% of income. These folks have a hard enough time making ends meet, let alone tossing their Social Security checks into various investments that might or might not pay off. Nonetheless, for retirees who can afford to invest their benefit checks, there's a pretty good chance those investments will pay off and boost your retirement savings over the long haul. More From GOBankingRates Mark Cuban Warns of 'Red Rural Recession' -- 4 States That Could Get Hit Hard 9 Downsizing Tips for the Middle Class To Save on Monthly Expenses 10 Genius Things Warren Buffett Says To Do With Your Money This article originally appeared on If You Invested Every Social Security Check for 10 Years, How Rich Would You Be? Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Morocco World
05-06-2025
- Business
- Morocco World
No Country for Old Age? Morocco Stalls at the Edge of a Graying Future
Rabat – As Morocco navigates the 21st century, the country finds itself at the cusp of a quiet but still powerful demographic shift. Declining fertility, rising infertility rates, longer life expectancy, and evolving social structures are all converging to produce one unavoidable reality: Morocco is aging. The country is going through a demographic shift as the number of persons aged 60+ is expected to more than double between 2020-2050. To ensure every person can lead an independent and dignified life at any age, and their communities benefit from the demographic dividend, national policies and systems across all sectors must address the well-being and rights of individuals across this life course. While this trend is not unique to Morocco, the country's particular socio-economic landscape poses unique challenges. With no clearly defined or publicly shared national plan to address the coming 'gray wave,' questions are mounting over whether Morocco is doing enough to prepare for a future where a growing portion of its citizens will be older, more vulnerable, and in need of targeted support. A rapidly aging population Morocco's demographic indicators have shifted dramatically over the past four decades. The fertility rate, for instance, went through fluctuations, all pointing towards a downward trend. According to data from Macrotrends, Morocco's fertility rate has been gradually declining over the past few years. In 2025, it stands at 2.26, marking a 0.92% decrease from 2024. The previous year recorded a rate of 2.28, following a 0.87% drop from 2023. Women are marrying later, often due to rising education levels, economic uncertainty, and changing cultural expectations. As of 2022, the number of marriages in Morocco stood at around 252,000. The number decreased compared to the previous year, when it reached a low of approximately 270,000. Previously, marriages in the country decreased gradually from 2018 to 2020, data from Statista shows. Infertility, too, is on the rise, with a national health survey estimating that over 12% of Moroccan couples face fertility challenges. These trends mean that while Morocco is still classified as a 'young country,' the age structure is evolving fast. According to projections by Morocco's High Commission for Planning (HCP), the population of people aged 60 and over in Morocco is projected to grow at an average annual rate of 3.3% between 2014 and 2050. Their numbers are expected to more than triple over this period, rising from 3.2 million to 10.1 million. By 2050, this age group would account for 23.2% of the country's total population. The implications are far-reaching, affecting everything from healthcare and pensions to labor markets, housing, and family life. Inadequate infrastructure, the digital divide Despite these clear signals, Morocco's approach to aging remains fragmented and, in many cases, inadequate. Pension systems exist, notably through the Moroccan Pension Fund (CMR) and the National Social Security Fund (CNSS), but their coverage is limited, especially for people who spent their lives working in the informal economy. With many essential services now digitized, older adults face significant barriers. Accessing CNSS benefits, renewing medical cards, or registering for health coverage often requires digital skills and internet access that many senior citizens simply do not have. When they go to CNSS offices to inquire about their pensions or seek basic information, many — if not all — older Moroccans often find themselves unable to even queue without a prior online appointment, a requirement that assumes digital access and literacy. Many of these individuals are frail, unwell, or come from remote areas. They may not own smartphones or know how to use them, and the physical strain of waiting in long lines only adds to their hardship. For the senior population, digital exclusion can mean being effectively locked out of vital services. While digital transformation is an important goal for Morocco's administrative modernization, it currently risks alienating a large and growing segment of the population. Grim reality? Morocco's health system is not yet equipped to meet the needs of an aging population. Geriatric care remains a neglected specialty, with few medical professionals trained specifically to care for older adults. Hospitals and clinics often lack the resources or capacity to deal with age-related conditions, such as dementia, cardiovascular diseases, and mobility issues. Out-of-pocket health expenditures are high in Morocco, creating another layer of vulnerability for seniors, particularly those living alone or without family support. While the rollout of AMO (Compulsory Health Insurance) under CNSS has expanded access to basic healthcare, the system's gaps remain acute. A survey published in January by the market research group Sunergia sheds light on the stark realities of retirement in Morocco, revealing significant gaps and enduring inequalities. While 59% of Moroccans are covered by employer-provided retirement plans, only 5% have secured coverage on their own. Workers in the informal sector and retirees from private companies make up the majority of those with individual plans, with just 10% and 13% in each group reporting independent coverage. More troubling, however, is the finding that 36% of Moroccans have no retirement coverage at all, a figure that soars to 86% among those working in the informal economy, exposing the severe vulnerability of this population. Although the government has been reviewing the pension system to address its shortcomings and improve retirement coverage, many people remain dissatisfied, especially with the ongoing inflation and rising cost of living, as the results have yet to bring noticeable improvements or alleviate widespread concerns about inequality and accessibility. In January, the Civil Pensioners' Organization of Morocco (ORCM) raised serious concerns about the deteriorating conditions retirees are facing across the country. The organization criticized successive governments for neglecting this vulnerable group and showing little regard for the growing financial pressures retirees endured amid ongoing inflation. Their planned protest followed recent government debates on pension reform , which resulted in an approved amendment to the 2025 Finance Bill (PLF 2025) that gradually exempted basic retirement pensions from income tax. Starting in January 2025, retirees receiving basic pensions were set to benefit from a 50% tax reduction, moving toward full exemption by 2026. However, this relief applied only to basic pensions and regulated lifetime annuities; complementary pensions, which tended to be higher due to additional savings, remained taxable to preserve state revenues. Despite this measure, retirees argued that the reform failed to meet their real needs. While it offered them some financial relief, many pensioners continued to struggle with low pensions that did not cover essential living costs like food and daily necessities. Is pension reform enough? Pension reform has long been a recurring issue in Morocco's policy landscape, discussed, debated, and revisited over the years without a definitive resolution. Its persistence reflects both the structural complexity of the system and the wide-reaching consequences of any proposed changes. Despite repeated efforts by successive governments, striking a balance between financial sustainability and social equity has proven elusive, keeping the issue at the forefront of public debate. The government introduced in December last year a new measure under the 2025 Finance Bill (PLF 2025), to ease the financial burden on retirees. The amendment, approved by Parliament, sets out a phased exemption of basic retirement pensions from income tax. Starting in January 2025, beneficiaries under the basic regime began receiving a 50% tax deduction, with a full exemption planned for 2026. Budget Minister Delegate Fouzi Lekjaa described the reform as a step toward alleviating the economic pressure facing Morocco's aging population. However, the measure is limited in scope. It applies only to basic pensions and regulated lifetime annuities, while complementary pensions, which are often higher due to individual savings, remain taxable to preserve fiscal revenue. Although the reform marked a move in the right direction, retirees argued it fell short of meeting their broader demands for a dignified standard of living. Chief among their calls were immediate pension increases, particularly for those in low- and middle-income brackets, as well as stronger representation on pension fund boards and in social service associations across the public and private sectors. Healthcare also remained a critical concern. Pensioners demanded not only improved access to quality medical care but also full exemption from costs not covered by the country's basic health insurance systems (AMO and CNOPS). 'Retirees have contributed to the system throughout their working lives,' many argued, 'and should not be forced to shoulder additional expenses for services they rightfully deserve.' The decline of the traditional family model Morocco's aging challenge is not only institutional but also cultural. For generations, elderly Moroccans relied on their families, particularly daughters and daughters-in-law, for care and companionship. Today, that model is increasingly under strain. Urban migration, emigration, women's increased labor force participation, and rising individualism mean that many elderly Moroccans now live alone or in households where traditional care roles are no longer feasible. The assumption that family will always step in to support the elderly is no longer guaranteed. At the same time, there are few viable alternatives. Morocco lacks a strong network of community-based elder care facilities. Public retirement homes are scarce, underfunded, and often stigmatized. Private facilities, where they exist, are expensive and inaccessible to most. The result is a growing number of elderly people, especially women, left in precarious situations. Some rely on the goodwill of neighbors or distant relatives. Others live in isolation, with limited access to social interaction, mobility, or basic assistance. A missing national vision So far, Morocco has not articulated a comprehensive vision for aging. While the government has introduced some pilot programs, such as awareness campaigns, health screenings, and limited income support initiatives, these remain scattered and often confined to major urban centers. A national aging strategy would need to address multiple fronts. It would also require confronting uncomfortable questions: What happens when traditional caregiving roles no longer hold? How can Morocco create an inclusive society for its elders without placing the burden solely on families? Aging is not a crisis in itself, it is a natural outcome of progress. Longer lives reflect better healthcare, education, and living standards. But without planning, this progress can turn into pressure. Morocco's aging wave is inevitable, but its consequences are not. With thoughtful, inclusive, and forward-looking policy, the country can turn this demographic transition into an opportunity to reimagine how society treats its elders. Without bold leadership and a clear national vision, Morocco risks entering this new era unprepared, leaving its elderly citizens adrift in a system that was not designed with them in mind. Whether this 'silver future' becomes a dignified chapter in Morocco's development or a missed opportunity depends on choices made today.
