Americans are Increasingly Insecure about Retirement
In the United States, education regarding retirement planning is sparse. The concept of "financial wellness" is not nearly as popular as other wellness movements sweeping the nation, like keto diets, going vegan, meditation practices, or cutting sugar from a diet. I would argue that financial wellness is just as important as physical and spiritual wellness, however. Being financially secure can reduce stress and give a person peace of mind.
According to a new Boston College study, 51% of U.S. households are at risk of not being able to meet their standard of living in retirement. In other words, people half of the population is set to have to make sacrifices in their twilight years -- the opposite of which should be true.
The figures keep getting worse. In 2007 - which of course was before the Global Financial Crisis - only about 40% of U.S. households were at risk of being unable to reach their retirement goals. This percentage was too high then, and it is certainly too high now, in my view.
I've written before about simple steps a person can take to boost retirement savings and become better savers in general. For complete and total simplicity, I will break it down into two steps:
- Save 20% of every cent you make. If your salary is $1,000 a week, then save $200 a week in a retirement plan or an IRA/Roth IRA. Period.
- If you still have at least a decade until retirement, it is my strong opinion that you should own close to 100% equities. Keep it inexpensive and simple. I'd recommend putting 50% in the S&P 500 and 50% in world equities minus the U.S. (ACWX). That's it. Own the world, don't look back and don't sell (once again, just my opinion).
Taking just these two steps will put you in a better position than at least 50% of Americans, but probably many more than that.
Below, Tickeron's A.I. takes a detailed look at tickers that represent the S&P 500 and ACWX.
Momentum Indicator for SPY turns positive, indicating new upward trend
SPY saw its Momentum Indicator move above the 0 level on November 28, 2025. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 73 similar instances where the indicator turned positive. In of the 73 cases, the stock moved higher in the following days. The odds of a move higher are at .
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where SPY's RSI Indicator exited the oversold zone, of 22 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are .
The Moving Average Convergence Divergence (MACD) for SPY just turned positive on November 28, 2025. Looking at past instances where SPY's MACD turned positive, the stock continued to rise in of 54 cases over the following month. The odds of a continued upward trend are .
SPY moved above its 50-day moving average on November 25, 2025 date and that indicates a change from a downward trend to an upward trend.
Following a 3-day Advance, the price is estimated to grow further. Considering data from situations where SPY advanced for three days, in of 364 cases, the price rose further within the following month. The odds of a continued upward trend are .
SPY may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
The 10-day moving average for SPY crossed bearishly below the 50-day moving average on November 24, 2025. This indicates that the trend has shifted lower and could be considered a sell signal. In of 13 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are .
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SPY declined for three days, the price rose further in of 62 cases within the following month. The odds of a continued downward trend are .
The Aroon Indicator for SPY entered a downward trend on November 28, 2025. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
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