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[@KenTumin](/creator/twitter/KenTumin)
"@jmysct0 @awealthofcs I looked at IBM stock in a total return calculator (that reinvests dividends). Looks like what you would expect from an S&P XXX index fund. IBM total annual returns: 1990-2025: XXX% 1985-2025: XXX% 1980-2025: 8.8%"  
[X Link](https://x.com/KenTumin/status/1977776979622392092) [@KenTumin](/creator/x/KenTumin) 2025-10-13T16:42Z 3767 followers, XX engagements


"Allys 3Q25 Earnings Press Release: Retail deposits of $XXXXX billion were up $XXX billion year over year and down $XXX billion quarter over quarter My Take: Retail deposits declined in the last quarter. That may slow Allys rate cuts"  
[X Link](https://x.com/KenTumin/status/1979599098971029558) [@KenTumin](/creator/x/KenTumin) 2025-10-18T17:22Z 3774 followers, XXX engagements


"Allys Earnings Call: Allys CFO: our suite of digital products is driving deeper engagement fueling loyalty and reducing rate sensitivity My Take: Ally hopes its status as the largest all-digital direct bank will allow them to keep deposits with below average rates"  
[X Link](https://x.com/KenTumin/status/1979599101278011462) [@KenTumin](/creator/x/KenTumin) 2025-10-18T17:22Z 3767 followers, XXX engagements


"@dividendology For those who are concerned about the Mag X dominating the S&P XXX theres the Invesco S&P XXX Equal Weight ETF (RSP). Its top XX holdings only make up XXXX% of the fund. One negative is its expense ratio of XXXX% which is high for an index ETF"  
[X Link](https://x.com/KenTumin/status/1979736405334282648) [@KenTumin](/creator/x/KenTumin) 2025-10-19T02:28Z 3771 followers, XXX engagements


"Quorum Credit Union ($1.2B assets 69k members) Quorum is the 2nd largest of the online-only credit unions. According to NCUA records its last branch closed in 2020. Its corporate headquarters is in Purchase NY a suburb of NYC. It originally served Kraft Foods employees. Quorum has been offering a high-yield savings account (HighQ Savings) that has competed well with the HYSAs of the major online banks for more than a decade. 3/7"  
[X Link](https://x.com/KenTumin/status/1976686419872465357) [@KenTumin](/creator/x/KenTumin) 2025-10-10T16:29Z 3769 followers, XX engagements


"Top X online savings accounts by APY as of 10/14/2025 & thread on online savings account (OSA) yields and how OSA & money market fund (MMF) yields have changed since the first Fed rate cut (9/18/2024): X of the Top X had rate cuts after the Sep 17th Fed rate cut (they've been replaced below). Two of the Big X (Ally & Discover/CapOne) have cut their savings account rates"  
[X Link](https://x.com/KenTumin/status/1978251927050727637) [@KenTumin](/creator/x/KenTumin) 2025-10-15T00:09Z 3769 followers, XXX engagements


"@charliebilello Now with gold ETFs its much easier today to hold a higher percentage of gold in ones portfolio as compared to 1980. It seems likely that well see gold move closer to that 1980 peak of 22%"  
[X Link](https://x.com/KenTumin/status/1979551447399219250) [@KenTumin](/creator/x/KenTumin) 2025-10-18T14:13Z 3771 followers, 2224 engagements


"Insights into Ally Bank's deposit rates from Allys 3Q25 Earnings Report: On Friday Ally Financial reported Q3 results that topped the market's revenue expectations: Thread on what they reported on deposits"  
[X Link](https://x.com/KenTumin/status/1979599095116243261) [@KenTumin](/creator/x/KenTumin) 2025-10-18T17:22Z 3769 followers, XXX engagements


"The @WSJ editorial board: More deposit insurance means more moral hazard and taxpayer risk. The legislation would raise the FDIC limit to $XX million from $250000 for non-interest-bearing transaction accounts (gift link)"  
[X Link](https://x.com/KenTumin/status/1980048391347540254) [@KenTumin](/creator/x/KenTumin) 2025-10-19T23:08Z 3771 followers, XXX engagements


"Useful HSA tips: Assuming a retiree has multiple accounts to choose from the HSA should logically come after withdrawals from taxable accounts traditional IRAs and 401(k)s"  
[X Link](https://x.com/KenTumin/status/1980283174459462097) [@KenTumin](/creator/x/KenTumin) 2025-10-20T14:41Z 3769 followers, XXX engagements


"@efipm I thought something like this was happening when alerts from my blink cameras woke me up this morning"  
[X Link](https://x.com/KenTumin/status/1980285323151036621) [@KenTumin](/creator/x/KenTumin) 2025-10-20T14:49Z 3769 followers, XX engagements


"Noteworthy banks reporting Q3 earnings this week: Monday: Zions Tuesday: Capital One Friday: Flagstar"  
[X Link](https://x.com/KenTumin/status/1980294667850924402) [@KenTumin](/creator/x/KenTumin) 2025-10-20T15:26Z 3771 followers, XXX engagements


"Capital One Financial Delinquencies Fall Helping to Lift Revenue Profit @WSJ "The lower delinquencies soothed some investors concerns about the health of the consumer""  
[X Link](https://x.com/KenTumin/status/1980799677327925291) [@KenTumin](/creator/x/KenTumin) 2025-10-22T00:53Z 3770 followers, XXX engagements


"Top X online savings accounts by APY as of 10/21/2025 & thread on online savings account (OSA) yields and how OSA & money market fund (MMF) yields have changed since the first Fed rate cut (9/18/2024): X of the Top X had rate cuts after the Sep 17th Fed rate cut (they've been replaced below). Two of the Big X (Ally & Discover/CapOne) have cut their savings account rates"  
[X Link](https://x.com/KenTumin/status/1980807426438824028) [@KenTumin](/creator/x/KenTumin) 2025-10-22T01:24Z 3769 followers, XXX engagements


"Top X online savings accounts APYs & bank URLs As of 10/21/25: Pibank: XXXX% Axos Bank: XXXX% Presidential Bank: XXXX% Climate First Bank: XXXX% FitnessBank: XXXX% The X that had rate cuts since the Sep 17th Fed rate cut: HUSTL: XXXX% (was 4.80%) Elevault: XXXX% (was 4.60%) American Pride Bank: XXXX% (was 4.50%)"  
[X Link](https://x.com/KenTumin/status/1980807428229755115) [@KenTumin](/creator/x/KenTumin) 2025-10-22T01:24Z 3769 followers, XX engagements


"Its been XX months since the 1st Fed rate cut. Heres how liquid rates have fallen: From 9/18/24 to 10/21/25: Online savings accounts (APY) Highest: XXXX% XXXX% (-90 bps) Big X Avg: XXXX% XXXX% (-76 bps) Money Market Funds (SEC yield) VMFXX: XXXX% XXXX% (-122 bps) Note VMFXX was XXXX% on Sep 17th"  
[X Link](https://x.com/KenTumin/status/1980807429882528039) [@KenTumin](/creator/x/KenTumin) 2025-10-22T01:24Z 3769 followers, XX engagements


"The Big X online savings account APYs from Sep XX 2024 to Oct XX 2025 (Ally & Discovers rates have fallen XX bps since Sep 17th): Ally: XXXX% XXXX% (-80 bps) Amex: XXXX% XXXX% (-75 bps) Discover: XXXX% XXXX% (-80 bps) Marcus: XXXX% XXXX% (-75 bps) Synchrony: XXXX% XXXX% (-70 bps) Big X Average: XXXX% XXXX% (-76 bps)"  
[X Link](https://x.com/KenTumin/status/1980807431434256719) [@KenTumin](/creator/x/KenTumin) 2025-10-22T01:24Z 3769 followers, XXX engagements


"Odds that therell be XX bps of Fed rate cuts through the Dec 9-10 meeting are XXXX% (up from XXXX% last week). XX bps of cuts = 3.50%-3.75% rate. With those rate cuts a few X% online savings accounts may remain through 2025. Odds are from CME FedWatch"  
[X Link](https://x.com/KenTumin/status/1980807434357862895) [@KenTumin](/creator/x/KenTumin) 2025-10-22T01:24Z 3769 followers, XXX engagements