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charset=utf-8 Mime-Version: 1.0 There are a lot of questions about what this year may hold for stocks and bonds. =20 @media only screen and (max-width: 480px) { .mobbackground { background-image: url("http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73x= 7hWaiVjqL1TJm03pxTjyAr6YUzHnBKTRi9L-2B4Ay6du3eCsCJCblsAFAnpuxMjfPGuVPKZWDs5= 4Db22pad4ewK4PQlWLHfZYBlQRS6QpFvZ1z4TCi-2Fvo1IPm7a-2B1jG2-2Fw-3D-3D-CzV_y6r= 4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWA= UTS0rtKWQxACAvw-2FKvxFyMc0sVO-2FMGMIwPyE6hqXlZzioj0N-2FUmAsKVeO6ExQLanHAqz4= rb-2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWLORt4trsOJR7S6ikmDXWDQg4Am1LU0vnDXB33ipMU= Gtp67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ76tWUBbFlM15xzzIe5g7ksKxp7yaFFMazFYELCiQ= ufJsNybli0jTbjzzolWrpskMlrc7tSYwTJINoWH9ENHn-2BKIeQgGNMc1wYNAVFYtAI7ZfpHuZ-= 2F2-2FyqvJpk2E-2FnYYyuBqhOoepho2VKDH2nR-2Fd4E3MSQj-2FUqyUM0gDLnvWFFNY13cLEL= qDVxlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7LX-2Bzlb70E-2BeWtHJRUkhXghALIW9J3Rg-2FdQ9= sUdT-2BSfHW25HVF7MyeHsLh577haRsl66kTOYZg3tIRXSQNWvCMfn-2Bsd-2F108WibMxkskpL= H7mo7xAPF6kogVnFBfoZIAnD1iKZhgFzQlaxJwuU1nMSziAxZKqzj-2BBIlqbLzoqPJPSHxDgFB= GIfKbZwthRyX43B20JprmqsqocSOL5n-2BuGYSxDjS52MMRzCA4X23Vr-2BXZOX3zZSeXr6DZs4= KHN5mpP-2B3iohjSjCHlPxFoIUYl2TZU-2Flb5q5DjfPML-2FI-3D !important;} } =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C This email is coming from an unmonitored email account. 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SoFi Daily News Thursday =E2=80=A2 JAN 4, 2024 Market Recap Dow Jones 37,430.19 (-0.76%) S&P 500 4,704.81 (-0.8%) Nasdaq 14,592.21 (-1.18%) Xerox ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737E8xHN= 3a-2BXSFp-2Fn-2FdrITtbneibDF28bG1m3P86fIqEIbMtx9yLhVcxiLTQh9y3rfSD7kHcw-2FQ= 86FIdpN-2F5AfTJ50zggln9cKdk0G9yNDj5RiTAh5YRTKSrhPCEdgJLo8nfo6a-2FxBAeD6ynHC= LVKY4a7zd83t00iIIHAadlsSLsSUy8SN0IFdz-2FucPHCoPif0R4sOketM-2FZAOUia7wV-2FKu= 5hQVJUIx8AXmYlbaESlzPPy87nEjNlgto6Zpb9NHZ4pP0gPLrjxrL3cOPKZJnbriV08ctc5PcQB= hhlbCRIA1Xum5-2FYsTdWX559F5COLqU-2F8-2Bni7Hc8sv-2BdptmXEq1zLQB0fAvGQFLbvrRt= AzJpIuGuXo8ip-2ByDBUwdPp2G-2Bu7Fie4EVmyY5Q-2FTZ4bgAmm6m3anDsmatANu9Bo6ZiFCR= vGxYAQ2wRlfOTymfEuOWxj-2FmVZz3GDutFmXaK3-2FL-2FuHL3w-3Djsb3_y6r4Y-2Fjyz39fU= giIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxAC= Avw-2FKvxFyMc0sVO-2FMGMIwPyE6hqXlZzioj0N-2FUmAsKVeO6ExQLanHAqz4rb-2FCSwgQiB= XO2zIxmpCCgeFDQGQyXXjWLORt4trsOJR7S6ikmDXWDQg4Am1LU0vnDXB33ipMUGtp67rs827rS= 0lgVVSW81LFHPJ-2Bj5UuuZ76tWUBbFlM15xzzIe5g7ksKxp7yaFFMazFYELCiQufJsNybli0jT= bjzzolWrpskMlrc7tSYwTJINoWH9ENHn-2BKIeQgGNMc1wYNAVFYtAI7ZfpHuZ-2F2-2FyqvJpk= 2E-2FnYYyuBqhOoepho2VKDH2nR-2Fd4E3MSQj-2FUqyUM0gDLnvWFFNY13cLELqDVxlWXfRK2Y= -2FUj2dc-2FLwCdaAk4YH7LX-2Bzlb70E-2BeWtHJRUkhXghALIW9J3Rg-2FdQ9sUdT-2BSfHW2= 5HVF7MyeHsLh577haRsl66kTOYZg3tIRXSQNWvCMfn-2Bsd-2F108WibMxkskpLH7mo7xAPF6ko= gVnFBfoZIAnD1iKZhgFzQlaxJwmMYlvcMl-2FDWIGf8-2BskFp4bLGgnPOMnqQ3FM9VMEA7EsJO= PFrnSJ0wdSC-2FlJvouFuj6xcs6DvZb1b-2FyPDnEE7jvgNREAFcqxQ6CvVJ-2F6wmEM6ePfuri= j5Nqn7LMExoc-2B771Gyr-2BNc3Rw8DSNa1aYZyA-3D ) $15.84 -$2.19 (-12.15%) FedEx ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737E8xHN= 3a-2BXSFp-2Fn-2FdrITtao135WvH9Bt2gQm2ivqCrmKkjejKFY9MfQa3IXqVkoF5WSz9hxcc5B= pfjIVVaKAatSwyIXL06EAGZkIawN3-2B3TP9Xc7pynyLSyVdV57pA-2Ba9viDrr9nb3iVyP0FmW= GqrZUlqYbrSTcC5IGi-2BpbxDIGkw-2BTpLCOxtvV-2BC6ZNWEEsTevgC5xTCPvZzD95iI-2BCy= 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b-2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWLORt4trsOJR7S6ikmDXWDQg4Am1LU0vnDXB33ipMUG= tp67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ76tWUBbFlM15xzzIe5g7ksKxp7yaFFMazFYELCiQu= fJsNybli0jTbjzzolWrpskMlrc7tSYwTJINoWH9ENHn-2BKIeQgGNMc1wYNAVFYtAI7ZfpHuZ-2= F2-2FyqvJpk2E-2FnYYyuBqhOoepho2VKDH2nR-2Fd4E3MSQj-2FUqyUM0gDLnvWFFNY13cLELq= DVxlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7LX-2Bzlb70E-2BeWtHJRUkhXghALIW9J3Rg-2FdQ9s= UdT-2BSfHW25HVF7MyeHsLh577haRsl66kTOYZg3tIRXSQNWvCMfn-2Bsd-2F108WibMxkskpLH= 7mo7xAPF6kogVnFBfoZIAnD1iKZhgFzQlaxJwlGUyNLG2cllP-2B3biXbP-2FRBuw5dFhBR-2B6= hbUXDhi-2BRp8jhNzlSXv-2FG3Kh9fOR-2BJq6wIb-2FXYSR1kmuTB9YMQ-2BEFOrfjWIiS6zKV= fHDJkMBjKutWHpYzZ8TioZ8RnPWbiMslj7G9bsQyBHcjfI8DgwL28-3D ) Liz Looks at: The Start of the Year A new year is upon us, and after the year-end stock market rally, there are a lot of questions about what this year will hold for stocks and bonds. Here=E2=80=99s what SoFi Head of Investment Strategy Liz Young sees ahead. Read more>>=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxs= u6qgTu3mwVd1GBqeyxbPk9lgncMrqSJ1Y63-2BFJN8KM84Dh6uBlAjvn6k20u7ww-2FXSDccpkg= jSDtNtkVrO8BW9llBJhHt5Q6hI3E0SuJDRn8YHL0fmfX05a3Pz6G5GKjbIkx8rLW6kWLl2mstVY= -3Dyx3P_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8l= AnkNl5-2FWAUTS0rtKWQxACAvw-2FKvxFyMc0sVO-2FMGMIwPyE6hqXlZzioj0N-2FUmAsKVeO6= ExQLanHAqz4rb-2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWLORt4trsOJR7S6ikmDXWDQg4Am1LU0= vnDXB33ipMUGtp67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ76tWUBbFlM15xzzIe5g7ksKxp7yaF= FMazFYELCiQufJsNybli0jTbjzzolWrpskMlrc7tSYwTJINoWH9ENHn-2BKIeQgGNMc1wYNAVFY= tAI7ZfpHuZ-2F2-2FyqvJpk2E-2FnYYyuBqhOoepho2VKDH2nR-2Fd4E3MSQj-2FUqyUM0gDLnv= WFFNY13cLELqDVxlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7LX-2Bzlb70E-2BeWtHJRUkhXghALIW= 9J3Rg-2FdQ9sUdT-2BSfHW25HVF7MyeHsLh577haRsl66kTOYZg3tIRXSQNWvCMfn-2Bsd-2F10= 8WibMxkskpLH7mo7xAPF6kogVnFBfoZIAnD1iKZhgFzQlaxJwvXC3McwaeWQCGHHtPLlsbR1WyS= lkfPEiUk9Tvfxcewhgm4yv2XvyBV5McMv0o6Iq-2B6Hb-2F9j7P7u3ot-2Fv3rq9oR-2BKw1DLy= QSqMBpprgrJbDup8e3I6BkN2I1yqbtvq-2FYJUCoEoAPVyNAHKXz1RsQAd8-3D ) piggy bank=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxs= u6qgTu3mwVd1GBqeyxbPk9lgncMrqSJ1Y63-2BFJN8KM84Dh6uBlAjvn6k20u7ww-2FXSDccpkg= jSDtNtkVrO8BW9llBJhHt5Q6hI3E0SuJDRn8YHL0fmfX05a3Pz6G5PS1lboizWikZ19B4VOuQVo= zP-2BWx4-2FtEel3ni4qRcd3yLuHi_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97= xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAvw-2FKvxFyMc0sVO-2FMGMIwPyE6h= qXlZzioj0N-2FUmAsKVeO6ExQLanHAqz4rb-2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWLORt4trs= OJR7S6ikmDXWDQg4Am1LU0vnDXB33ipMUGtp67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ76tWUBb= FlM15xzzIe5g7ksKxp7yaFFMazFYELCiQufJsNybli0jTbjzzolWrpskMlrc7tSYwTJINoWH9EN= Hn-2BKIeQgGNMc1wYNAVFYtAI7ZfpHuZ-2F2-2FyqvJpk2E-2FnYYyuBqhOoepho2VKDH2nR-2F= d4E3MSQj-2FUqyUM0gDLnvWFFNY13cLELqDVxlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7LX-2Bzlb= 70E-2BeWtHJRUkhXghALIW9J3Rg-2FdQ9sUdT-2BSfHW25HVF7MyeHsLh577haRsl66kTOYZg3t= IRXSQNWvCMfn-2Bsd-2F108WibMxkskpLH7mo7xAPF6kogVnFBfoZIAnD1iKZhgFzQlaxJwo-2F= tPTpUKkCo2VSXZKFI15VeCsMdwxT3SyMSeB2qfA00-2B4tHM1qyZqhwELIw-2FcLvVc7APeS8oq= 1y36jHN7-2BSdSJF4s4o2iLvS7Izrk-2BGZur5kcbHfu9lXHMHZXQO7OF-2BuGTH3SuejaDeUte= FgcZiMzc-3D ) MARKET RECAP US stocks traded lower on Wednesday after Fed minutes showed uncertainty ov= er potential rate cuts
  • Rate cuts are anything but = a done deal in 2024 the December Fed meeting minutes showed, knock= ing the market=E2=80=99s confidence a little.
  • Shares of Xerox fell 12.2% after announcing pla= ns to cut 15% of its workforce this quarter as part of a new organizational= structure and operating model designed to simplify its products and increa= se efficiency.
  • U.S. oil pri= ces rose more than 3% amid ongoing tensions in the Middle East, an= d OPEC=E2=80=99s pledge to support prices.
  • The 30-year mortgage rate rose to 6.76%, its first= increase in nearly two months.
  • Job openings dipped to their lowest level since March 2021 at= 8.8 million. Job openings are still much higher than the pre-pandemic aver= age, but have been coming down from the peak.
  • The U.S. manufacturing sector contracted again in Decemb= er, even as business activity increased, according to the ISM Manu= facturing PMI.
What to be on the lookout for today
  • The ADP employment report will show how many private sector jobs were added in the U.S. in De= cember. We=E2=80=99ll also get the weekly unemployment claims.
  • Walgreens is set to report be= fore the opening bell.
New year, new you =E2=80=A6 new investment goals? For many of us, January means a time to reflect, reset, and (re)commit to our goals. If achieving financial wellness and building wealth tops your list, you might already be thinking about how you=E2=80=99ll approach your investments in 2024. The Important Part=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73zGVi= ZAYtTwE9qVSatYTxpJPLpzcLM9zrhN-2B9-2BcUkE8YG4iRrSRABOXkiBZEdwQJ9HJqgS04sWvR= Y4vkr5mvEPTySSS0fG6a3aEqFZdKZi43LSLI_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK= 6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAvw-2FKvxFyMc0sVO-2FMGM= IwPyE6hqXlZzioj0N-2FUmAsKVeO6ExQLanHAqz4rb-2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWL= ORt4trsOJR7S6ikmDXWDQg4Am1LU0vnDXB33ipMUGtp67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ= 76tWUBbFlM15xzzIe5g7ksKxp7yaFFMazFYELCiQufJsNybli0jTbjzzolWrpskMlrc7tSYwTJI= NoWH9ENHn-2BKIeQgGNMc1wYNAVFYtAI7ZfpHuZ-2F2-2FyqvJpk2E-2FnYYyuBqhOoepho2VKD= H2nR-2Fd4E3MSQj-2FUqyUM0gDLnvWFFNY13cLELqDVxlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7L= X-2Bzlb70E-2BeWtHJRUkhXghALIW9J3Rg-2FdQ9sUdT-2BSfHW25HVF7MyeHsLh577haRsl66k= TOYZg3tIRXSQNWvCMfn-2Bsd-2F108WibMxkskpLH7mo7xAPF6kogVnFBfoZIAnD1iKZhgFzQla= xJwuXHZojtv1dE7XY08E93hAD5br-2FRWIeuo56WolZ1NmWVvejs4tQhPInE0vbHayEc9x4KPiw= vmR2hUh5v0lQ7JOO-2Br4ygQAzcJcrQnlxwJdD3eNAmheVFGs4rI4HKqIqFq5k3wsARppu0QS50= EMlkR1w-3D ) podcast, hosted by SoFi Head of Investment Strategy Liz Young, takes listeners through top-of-mind themes in investing with actionable insights and takeaways you can use as you work toward your financial goals. ICYMI: In the latest episode, Retail Recap of the 2023 Holidays,=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73zGVi= ZAYtTwE9qVSatYTxpJPLpzcLM9zrhN-2B9-2BcUkE8YG4iRrSRABOXkiBZEdwQJ9HJqgS04sWvR= Y4vkr5mvEPTySSS0fG6a3aEqFZdKZi43Jf93_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK= 6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAvw-2FKvxFyMc0sVO-2FMGM= IwPyE6hqXlZzioj0N-2FUmAsKVeO6ExQLanHAqz4rb-2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWL= ORt4trsOJR7S6ikmDXWDQg4Am1LU0vnDXB33ipMUGtp67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ= 76tWUBbFlM15xzzIe5g7ksKxp7yaFFMazFYELCiQufJsNybli0jTbjzzolWrpskMlrc7tSYwTJI= NoWH9ENHn-2BKIeQgGNMc1wYNAVFYtAI7ZfpHuZ-2F2-2FyqvJpk2E-2FnYYyuBqhOoepho2VKD= H2nR-2Fd4E3MSQj-2FUqyUM0gDLnvWFFNY13cLELqDVxlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7L= X-2Bzlb70E-2BeWtHJRUkhXghALIW9J3Rg-2FdQ9sUdT-2BSfHW25HVF7MyeHsLh577haRsl66k= TOYZg3tIRXSQNWvCMfn-2Bsd-2F108WibMxkskpLH7mo7xAPF6kogVnFBfoZIAnD1iKZhgFzQla= xJwpRDCfHOKe-2FxbiWh1L-2FAWUs3iATMSbBQTbVz3MWdz-2FafvH7ESt5imRopfHJXNZrVAMi= T9jx4Pi-2BhC8DXQkzjY7PFdjOfu8279FuEj7cP6K76rY-2FTdsKtuGUmM3FokD4J5wVdYtGF27= J9knNd0fkcEqg-3D ) Liz sat down with Courtney Reagan, CNBC Senior Retail Reporter, to talk about retail spending and consumer trends. Next Up: Liz will share her outlook for 2024 and answer investing questions submitted by listeners in a special bonus episode. Listen and subscribe to The Important Part=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73zGVi= ZAYtTwE9qVSatYTxpJPLpzcLM9zrhN-2B9-2BcUkE8YG4iRrSRABOXkiBZEdwQJ9HJqgS04sWvR= Y4vkr5mvEPTySSS0fG6a3aEqFZdKZi434I4__y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK= 6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAvw-2FKvxFyMc0sVO-2FMGM= IwPyE6hqXlZzioj0N-2FUmAsKVeO6ExQLanHAqz4rb-2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWL= ORt4trsOJR7S6ikmDXWDQg4Am1LU0vnDXB33ipMUGtp67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ= 76tWUBbFlM15xzzIe5g7ksKxp7yaFFMazFYELCiQufJsNybli0jTbjzzolWrpskMlrc7tSYwTJI= NoWH9ENHn-2BKIeQgGNMc1wYNAVFYtAI7ZfpHuZ-2F2-2FyqvJpk2E-2FnYYyuBqhOoepho2VKD= H2nR-2Fd4E3MSQj-2FUqyUM0gDLnvWFFNY13cLELqDVxlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7L= X-2Bzlb70E-2BeWtHJRUkhXghALIW9J3Rg-2FdQ9sUdT-2BSfHW25HVF7MyeHsLh577haRsl66k= TOYZg3tIRXSQNWvCMfn-2Bsd-2F108WibMxkskpLH7mo7xAPF6kogVnFBfoZIAnD1iKZhgFzQla= xJwlSqbOsRpSbVOYJiecViMiSICAWXsNAOqclJgPVh8d7hoTu14EOmlSyb-2Faztkd0uJYT-2B-= 2BKYYy-2Fnf4JxyJP-2BmGcR1R9tPnAhaM-2FgeW0vPKQsGsR69G12mvW4K8mnsGLz05nudkMtT= Vq-2BhmNJfEfyxwGo-3D ) on Apple, Spotify, or wherever you get your podcasts. piggy bank=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73zGVi= ZAYtTwE9qVSatYTxpJPLpzcLM9zrhN-2B9-2BcUkE8YG4iRrSRABOXkiBZEdwQJ9HJqgS04sWvR= Y4vkr5mvEPQmnK3n-2B2JQLiVe2wMU3AViIZrPLh4fQxVwI-2BmbMTTN9g-3D-3D4wYD_y6r4Y-= 2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS= 0rtKWQxACAvw-2FKvxFyMc0sVO-2FMGMIwPyE6hqXlZzioj0N-2FUmAsKVeO6ExQLanHAqz4rb-= 2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWLORt4trsOJR7S6ikmDXWDQg4Am1LU0vnDXB33ipMUGtp= 67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ76tWUBbFlM15xzzIe5g7ksKxp7yaFFMazFYELCiQufJ= sNybli0jTbjzzolWrpskMlrc7tSYwTJINoWH9ENHn-2BKIeQgGNMc1wYNAVFYtAI7ZfpHuZ-2F2= -2FyqvJpk2E-2FnYYyuBqhOoepho2VKDH2nR-2Fd4E3MSQj-2FUqyUM0gDLnvWFFNY13cLELqDV= xlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7LX-2Bzlb70E-2BeWtHJRUkhXghALIW9J3Rg-2FdQ9sUd= T-2BSfHW25HVF7MyeHsLh577haRsl66kTOYZg3tIRXSQNWvCMfn-2Bsd-2F108WibMxkskpLH7m= o7xAPF6kogVnFBfoZIAnD1iKZhgFzQlaxJwoZbcU2-2B7LN7KeATWZrLbanUFnSNWJalUsH3B2Q= bIFYzILBRctLR2nszP1M0apZJxgPMi1zDbMngRswQBP6tJkHyV1g1oq8oQspke2OYsgKUygPcrw= vH-2Bwats1dcQyv58Or18hXgB7fCORzu47ki3a8-3D ) =20 Today=E2=80=99s top stories Will 2024 finally be the year of the =E2=80=9Csoft landing=E2=80=9D? Fed officials are being cautiously optimistic but there are four major risk= s in landing the U.S. economy in its post-inflation reality.
Read more >> Americans are tired of paying up for premium options Everything has gotten more expensive over the past years, from your grocery= bill to your streaming service. Consumers are tired of it, and paying up f= or a premium service is increasingly unpopular.
Read more >> How did last year=E2=80=99s IPO market stack up against the past? How many companies went public last year and what does a typical year look = like?
Read more >> Other news that caught our eye * Disney entered an =E2= =80=9Cinformation-sharing=E2=80=9D agreement with activist investor ValueAc= t, which will reportedly support Disney at its next shareholder meeting= and in the fight against another activist. * A consumer protection coalition issued a complaint over the Starbucks app, arguing its mo= ney reloading rules trap users into spending. * Elon Musk=E2=80=99s SpaceX launched its first six satellites designed to provide mobile phone ser= vices. * General Motors will offer a $7,500 incentive to buyers of electric= vehicles that do not qualify for the federal EV tax credit. * Ford recalled more than 112,000 F-150 pickup trucks due to a r= ear axle bolt that could create a roll-away risk if damaged.=20 Financial planner tip of the day =E2=80=9CIt is common to be tempted to time th= e market. The simple fact is timing the market is a bad idea for the averag= e investor and actually leads to lower returns than the broader market.=E2= =80=9D =E2=80=93 Brian Walsh, CFP=C2=AE at SoFi How did you like today=E2=80=99s newsletter? smartphone=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2BF= o3ODGoJg0KZytQSB4s6OogQyh8J0t3tL-2FMqZBai7q19wKOdQIoVZhHa5nQJMkvWhXyl3m6kzp= U60-2BpllGqw8-3Dedx8_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFS= LL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAvw-2FKvxFyMc0sVO-2FMGMIwPyE6hqXlZzioj0= N-2FUmAsKVeO6ExQLanHAqz4rb-2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWLORt4trsOJR7S6ikm= DXWDQg4Am1LU0vnDXB33ipMUGtp67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ76tWUBbFlM15xzzI= e5g7ksKxp7yaFFMazFYELCiQufJsNybli0jTbjzzolWrpskMlrc7tSYwTJINoWH9ENHn-2BKIeQ= gGNMc1wYNAVFYtAI7ZfpHuZ-2F2-2FyqvJpk2E-2FnYYyuBqhOoepho2VKDH2nR-2Fd4E3MSQj-= 2FUqyUM0gDLnvWFFNY13cLELqDVxlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7LX-2Bzlb70E-2BeWt= HJRUkhXghALIW9J3Rg-2FdQ9sUdT-2BSfHW25HVF7MyeHsLh577haRsl66kTOYZg3tIRXSQNWvC= Mfn-2Bsd-2F108WibMxkskpLH7mo7xAPF6kogVnFBfoZIAnD1iKZhgFzQlaxJwvIOF5Hl20WLLQ= 7zg7Nx5SywPJPhpCtJ-2Bhr0KWAWaAOCZuD9KCqBi1zZdekRBcis0W9dVrmGKXZj1E3Cobybkux= HpTna87N8RjymvK1f84CVh6733tmqndysnyiy0-2BGweK1bdM6nWOBbrXukLdryKeI-3D ) smartphone=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2BF= o3ODGoJg0KZytQSB4s6OogQyh8J0t3tL-2FMqZBai7q19wKOdQIoVZhHa5nQJMkvc0D7R-2FMLk= VK8LS9x136c4Y-3DW4Ct_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFS= LL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAvw-2FKvxFyMc0sVO-2FMGMIwPyE6hqXlZzioj0= N-2FUmAsKVeO6ExQLanHAqz4rb-2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWLORt4trsOJR7S6ikm= DXWDQg4Am1LU0vnDXB33ipMUGtp67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ76tWUBbFlM15xzzI= e5g7ksKxp7yaFFMazFYELCiQufJsNybli0jTbjzzolWrpskMlrc7tSYwTJINoWH9ENHn-2BKIeQ= gGNMc1wYNAVFYtAI7ZfpHuZ-2F2-2FyqvJpk2E-2FnYYyuBqhOoepho2VKDH2nR-2Fd4E3MSQj-= 2FUqyUM0gDLnvWFFNY13cLELqDVxlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7LX-2Bzlb70E-2BeWt= HJRUkhXghALIW9J3Rg-2FdQ9sUdT-2BSfHW25HVF7MyeHsLh577haRsl66kTOYZg3tIRXSQNWvC= Mfn-2Bsd-2F108WibMxkskpLH7mo7xAPF6kogVnFBfoZIAnD1iKZhgFzQlaxJwuauLjKfHpk8Ry= kC5M4eZiRG1IfXPxght230UG-2BzZXIfrcS6Zx6sOjaD9RWiHw4PfTPiwHBR2uDRJGOsBHBUzbx= z8S-2FHrJUBPtYlyViW95lAhQLllWpqLFdaBVUdW2LCb5zDIWEMorIQvJSMB8OASIA-3D ) smartphone=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2BF= o3ODGoJg0KZytQSB4s6OogQyh8J0t3tL-2FMqZBai7qWWeFs92bjCEONSFB0-2Bc9yCt-2B5yeL= R0AURdZIv5h5Xr0-3Dpxzf_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2B= FSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAvw-2FKvxFyMc0sVO-2FMGMIwPyE6hqXlZzio= j0N-2FUmAsKVeO6ExQLanHAqz4rb-2FCSwgQiBXO2zIxmpCCgeFDQGQyXXjWLORt4trsOJR7S6i= kmDXWDQg4Am1LU0vnDXB33ipMUGtp67rs827rS0lgVVSW81LFHPJ-2Bj5UuuZ76tWUBbFlM15xz= zIe5g7ksKxp7yaFFMazFYELCiQufJsNybli0jTbjzzolWrpskMlrc7tSYwTJINoWH9ENHn-2BKI= eQgGNMc1wYNAVFYtAI7ZfpHuZ-2F2-2FyqvJpk2E-2FnYYyuBqhOoepho2VKDH2nR-2Fd4E3MSQ= j-2FUqyUM0gDLnvWFFNY13cLELqDVxlWXfRK2Y-2FUj2dc-2FLwCdaAk4YH7LX-2Bzlb70E-2Be= WtHJRUkhXghALIW9J3Rg-2FdQ9sUdT-2BSfHW25HVF7MyeHsLh577haRsl66kTOYZg3tIRXSQNW= vCMfn-2Bsd-2F108WibMxkskpLH7mo7xAPF6kogVnFBfoZIAnD1iKZhgFzQlaxJwh9qP8gZcfKb= 9vJRmQPmrhVjdNbwiqaRov2hru-2BXZgIm1JVx95I9H2SZ8gIzHnXt498-2Fyzh6Y22xQnXQSWe= CXallgqGog2oxdczd9TMth7AyUkBlXjjd0V9jgrEn4RGYaVamsfAtKiczkDl4cQ93J98-3D ) This email was sent to you at sterlingwhg@gmail.com by SoFi Wealth LLC. 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App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. 234 1st Street, San Francisco, CA 94105 =C2=A9 2024 Social Finance, Inc. All rights reserved. w: 20240104 --2f98b38891096f08908d4f5462b8bbec16420340c2a8877f78f768d905db Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset=utf-8 Mime-Version: 1.0 SoFi =09 =09
There are a lot of questions about what this year may h= old for stocks and bonds.

=09 =09 =09 =09 =09 =09 =09 =09 =09 =09 =09 =09

 =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C 
=09
 
=20
This email is co= ming from an unmonitored email account. Please do not respond to this messa= ge.
=20 =20
=20
=C2=A0 =20
3D"SoFi
=20 =20 =20
Thursday =E2=80=A2
JAN 4, 2024
=C2=A0
 
=C2=A0   =C2=A0
=C2=A0 Market Recap =C2=A0
=C2=A0
=20
Dow Jones
37,430.19
(-0.76%)
=20 =20 =20 =20 =20
S&P 500
4,704.81
(-0.8%)
=20 =20 =20 =20 =20
Nasdaq
14,592.21
(-1.18%)
=20 =20 =20 =20
X= erox
$15.84
-$2.19 (-12.15%)
=20 =20 =20 =20 =20
Fed= Ex
$247.64
-$4.60 (-1.82%)
=20 =20 =20 =20 =20
Southwest
$27.31
-$1.17 (-4.11%)
=C2=A0
=C2=A0   =C2=A0
=C2=A0
=20
  =09 =09 3D"" =09 3D""  
=09
=C2=A0 =C2=A0
=09 =09 =09
=C2=A0 Liz Looks at: The Start of the Year =C2=A0
=C2=A0   =C2=A0
=C2=A0 =C2=A0
=09 =09 =20 =20 =20 =20 =20 =20 =20 =20 =20
=C2=A0 MARKET RECAP =C2=A0
=C2=A0 =C2=A0
=C2=A0 Rate cuts are anything but a do= ne deal in 2024 the December Fed meeting minutes showed, knocking = the market=E2=80=99s confidence a little.
  • Shares of Xerox fell 12.2% after announcing plans to cut 15% of its workforce this quarter as par= t of a new organizational structure and operating model designed to simplif= y its products and increase efficiency.
    • =09
  • U.S. oil prices rose more than = 3% amid ongoing tensions in the Middle East, and OPEC=E2=80=99s pl= edge to support prices.
    • =09
  • The 30-year mortgage rate rose = to 6.76%, its first increase in nearly two months.
  • Job openings dipped to their lo= west level since March 2021 at 8.8 million. Job openings are still= much higher than the pre-pandemic average, but have been coming down from = the peak.
    • =09
  • The U.S. manufacturing sector c= ontracted again in December, even as business activity increased, = according to the ISM Manufacturing PMI.
    		•  =C2=A0
    =C2=A0 The ADP employment report will show how many private sector jobs were added in the U.S. in Decemb= er. We=E2=80=99ll also get the weekly unemployment claims.
  • Walgreens is set to report before the opening bell.
    		• =C2=A0
    =C2=A0   =C2=A0
    =C2=A0 =C2=A0
    =C2=A0 New year, new you =E2=80=A6 new investment goals? =C2=A0
    =C2=A0   =C2=A0
    =C2=A0 =C2=A0
    =09 =09 =09 =20 =20 =20 =20 =20 =20 =20 =20 =20
    =C2=A0 Toda= y=E2=80=99s top stories =C2=A0
    =C2=A0 Read more >> =09 =C2=A0
    =C2=A0 Read more >> =C2=A0
    =C2=A0 Read more >> =C2=A0
    =C2=A0   =C2=A0
    =C2=A0 =C2=A0
    =09
    =C2=A0 =20
    =C2=A0 =C2=A0
    		=C2=A0
    =09 =09
    =C2=A0 Financial planner tip=  of the day =C2=A0
    =C2=A0 How did you = ;like today=E2=80=99s newsletter? =C2=A0
    =C2=A0
    =20
    =09
    =09
    =20 =3D"smartphone"
     
    =20
    =09
    =20 =3D"smartphone"
     
    =20
    =09
    =20 =3D"smartphone"
    		=C2=A0
    =09
     
    =C2=A0 This email was sent to you at sterlingwhg@gmail.com by= SoFi Wealth LLC. (SoFi) because you=E2=80=99re enrolled in the SoFi Daily.= If you do not want to receive SoFi Daily emails, click here to unsubscribe.
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