I did a deep dive on Target. I hope this can add value to those who own or interested in Target. Is a Target a buy here ? Or are we catching a falling knife ? Is the new CEO Michael Fiddelke in February 2026 going to reignite the Revenue and EPS growth going forward? Stock : __Target _____ ticker : __TGT Does TARGET has a strong economic MOAT ? No Do I understand the business? Retailer sell merchandise via 2000 stores (80.4% revenue) and digital channels (19.6%). Products lines: everyday essentials (food&confection), HBA, clothing, household items and differentiated discounted prices. Most of its stores are larger than 170,000 square feet. Its digital channels at Target.com also offering sale and revenue. Competitors: Many !! ie Costco, Walmart, Amazon, etc and many clothing retailers Company History and Leadership: Brian Connel (current chair&CEO) leaving position, Michael Fiddelke set to take over as new CEO on on February 1, 2026. Michael F ( cfo, coo >20yrs in company experience)- goal to drive top line performance and stop the decline is yet to be seen.Target has experienced mixed financial results in early 2025, including a sales decrease and stock volatility. The leadership has also encountered criticism and boycotts related to diversity and inclusion initiatives. >400,000 employees. Target's financial performance has recently declined, with falling sales, lower operating income, and decreased comparable sales in its second quarter of fiscal year 2025 compared to the previous year. The company is facing challenges such as lower store traffic, inventory issues, and a customer backlash that began in late 2021, leading to a significant drop in its stock price and a stagnation of annual revenue for the past four years. In 2023 9 stores closed due theft. Retail shrink is high. How are their fundamentals? · Market cap: 40.05Billions compares other peers ie Walmart 815.86B, · Revenue: 104.65B Revenue Growth rate 2% - forecast to grow slower than US market of 9.7%

Do you know anything about TAO? AI-power token?

Can Lourenco pull it yet again? CLF wanted US Steel (X), but they rejected the bid and went with Japanese Nippon. Biden killed the deal. In the meantime, Lourenco purchased Canadian Stelco. If US finds itself in a recession, we may see CLF back at $2.5, otherwise it may bottom at this level. Remains to be seen. I am willing to DCA at key levels.

When we get a new job, we need to decide what to do with our 401 (k)/pension. We have choices: 1) Rollover to the new employer (if offered). 2) Leave it with the prior employer. 3) Open a rollover IRA and move it there, which will open up A LOT MORE INVESTMENT CHOICES. However, there are a few diligent things one should consider, don’t just rollover to any institutions. Here are my personal choices: 1) The institution is reputable (Ethical and trustworthy). 2) Fee structure (very important as it will eat into your profit. 3) How good is the brokerage firm you are considering in the following areas: Ease of use, powerful tools, customer service, and resource 4) Bonus offers for moving money to their brokerage firm. Schwab is my brokerage of choice. Recently, I have decided to cash in my pension at my prior employer. I have reached out to Schwab, and they are willing to match E*Trade’s bonus for me. (FYI: They will not match SOFI’s 1% of the rollover amount because SOFI is not being considered as their equivalent institution, I guess.) REMEMBER IN LONG-TERM INVESTMENT, EVERY MOVE COUNTS. Below is the link I sent to Schwab to get the match. I am sharing the link for your convenience. Boost Your Trading with E*TRADE's Brokerage Account Promo

I have posted same topic under “What I Would Do If I were In My 20’s & Working (USA)?” Today, I will elaborate deeper on this topic. ROTH account is one of the most POWERFUL TAX-FREE strategies for retirement & inheritance portfolios available in the United States. (I believe similar vehicle is available in Canada.) ✅ PROS 1. Tax-Free Growth and Withdrawals. You contribute with after-tax money, but your investments grow tax-free. In retirement, all QUALIFIED (see note 1 below) withdrawals (contributions + earnings) are 100% tax-free. 2. No Required Minimum Distributions (RMDs): Unlike traditional IRAs, Roth IRAs don’t require withdrawals during your lifetime, allowing you to leave funds invested or pass them to heirs tax-free. 3. Flexible Withdrawals: You can withdraw your contributions (not earnings) at any time without penalty or taxes, providing liquidity for emergencies or other needs. 4. Estate Planning Benefits: Heirs inherit Roth IRAs tax-free, though they must take distributions within 10 years (post-SECURE Act rules). 5. Hedge Against Future Tax Hikes. If you expect to be in a higher tax bracket in retirement, a Roth IRA protects you by paying taxes now. Note 1: Very important to make qualify distributions which requires you to meet BOTH of the following conditions: 1. The 5-Year Rule. The Roth IRA must have been open for at least 5 tax years. The clock starts on January 1 of the year you made your first contribution (not the exact day). 2. A Qualifying Event (Age or Exception). One of these must also apply: You’re age 59½ or older, OR You’re disabled, OR You’re using up to $10,000 for a first-time home purchase (lifetime limit), OR Your beneficiary is making a withdrawal after your death. - Always verify your account’s status and consult IRS guidelines (e.g., IRS Publication 590-B at irs.gov) or a tax professional, as rules can be complex, especially for conversions or inherited Roth IRAs. ❌ CONS 1. No Upfront Tax Deduction as taxes paid upfront: Contributions are made with after-tax dollars, so there’s no immediate tax break, unlike traditional IRAs.