Check your American Express credit cards for a new Amex Offer that can save you 10% at Dollar General. You can find this offer in your Amex consumer and business credit cards. Check out the full details of the offer below.
Offer Details
With this Amex Offer you get 10% back as a one-time statement credit after using your enrolled eligible Card to make a single purchase in-store at Dollar General or online at dollargeneral.com by 9/30/2026. Limit of 1 statement credit, up to a total of $5.
Offer and availability may vary by cardholder. Just login to your American Express account(s) to see if you are eligible to add this offer to your card(s).
Important Terms
Offer valid in-store at participating locations in the US and online at US website dollargeneral.com only.
Excludes outlet locations.
Not valid for online orders shipped outside of the US. Purchases must be made in USD, and offer is only valid on purchases made directly with the merchant.
Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.
About Amex Offers
Amex Offers are an extra perk on all American Express credit cards, charge cards, and even prepaid cards. You can see these offers in your accounts either as a statement credit or extra Membership Rewards points for spending a certain amount at eligible merchants. You will need to add the offer to a specific card first, and then use that card to get the credit. Here are a few things you should know:
Guru’s Wrap-up
This is a decent offer that seems to be widely available for most cardholders. Check your accounts and add it now if you think you might use it. Capped at $5 cash back, so you can maximize it with as $50 purchase.
Use the social media buttons below to share this article. Your support and engagement is always greatly appreciated.
Nasabi mo na ba sa sarili mo, “Kapag umabot na ng ₱100,000 ang pera ko, saka ako mag-i-invest?”
Kung oo, hindi ka nag-iisa.
Maraming Pilipino ang naghihintay munang lumaki ang ipon bago magsimula. Pero dito madalas nagkakamali.
Hindi ka yayaman dahil naghihintay kang magkaroon ng malaking pera.
Unti-unti kang yayaman dahil natuto kang mag-invest kahit maliit pa lang ang puhunan.
Sa episode na ito, ipapaliwanag ni Chinkee Tan kung ano ang puwedeng gawin sa ₱5,000, bakit hindi mo dapat maliitin ang maliit na halaga, at bakit ang pinakamalaking nawawala sa kakahintay ay hindi lang interest o returns—kundi oras.
Oras para matuto.
Oras para mag-practice.
Oras para magkaroon ng confidence.
Oras para magsimula.
Kung may extra ₱5,000 ka ngayon, ano ang pinakamagandang gawin?
✅ Mag-build ng emergency fund kung wala ka pa.
✅ Mag-invest sa sarili sa pamamagitan ng pag-aaral ng bagong skills.
✅ Pumili ng isang investment vehicle at simulang aralin ito.
Tandaan: Ang goal mo sa umpisa ay hindi agad kumita. Ang goal mo ay matuto.
Learn before you earn.
Hindi mo kailangang maging mayaman para magsimulang mag-invest. Kailangan mong magsimulang mag-invest para magkaroon ng mas maraming choices, freedom, at mas magandang financial future.
🔔 Subscribe at i-click ang bell para hindi mo ma-miss ang susunod na video: @chinkpositive
🎯 PARA KANINO ANG VIDEO?
✅ May extra ₱5,000 pero hindi alam kung saan ilalagay
✅ Hinihintay pa ang ₱100,000 bago mag-invest
✅ Beginner sa investing
✅ Takot magsimula dahil maliit pa ang puhunan
✅ Walang emergency fund
✅ Gustong matutong mag-invest sa sarili at sa future
💡 MGA MATUTUNAN MO
Bakit hindi mo dapat hintayin ang ₱100,000 bago magsimula
Expense ba o investment?
Bakit confidence ang unang lumalago
Oras ang pinakamahalagang asset
Bakit action ang susi sa financial growth
Emergency fund bago investment
Invest in yourself first
One investment vehicle muna
Learn before you earn
Investing is about freedom, not just money
⏱️ Chapters
00:00 – May Extra ₱5,000 Ka, Ano Ang Gagawin Mo?
00:15 – Huwag Hintayin Ang ₱100,000 Bago Mag-Invest
00:40 – Expense Ba O Investment?
01:07 – Confidence Ang Unang Lumalaki
01:37 – Oras Ang Pinakamalaking Nawawala
01:59 – Experience To Learn
02:21 – Investing Is Like Learning To Drive
02:34 – Bakit Maraming Nanonood Pero Hindi Kumikilos
02:57 – Ikaw Ang Pinakamalaking Asset Mo
03:27 – Step 1: Emergency Fund Muna
03:57 – Step 2: Invest In Yourself
04:15 – Step 3: Pick One Investment Vehicle
04:40 – Focus One At A Time
04:51 – Simple ₱5,000 Allocation
05:21 – Hindi Mo Kailangan Malaki Para Magsimula
05:50 – Ano Ang Tunay Na Investor?
06:18 – Investing Is About Choices And Freedom
06:43 – One Year From Now
07:08 – Why Do You Want To Invest?
07:33 – Free Retirement Assessment
07:59 – Start Investing Before You Become Rich
📚 Resources & Links
📚 Mga libro ni Chinkee Tan:
📺 Online Courses:
📲 Follow Chinkee Tan
TikTok: @chinkeetan
Instagram: @chinkeetan
Facebook: @chinkeetan
Sa episode na ito, ipapaliwanag ni Chinkee Tan kung paano magsimulang mag-invest kahit ₱5,000 lang ang extra mong pera. Pag-uusapan ang emergency fund, investing in yourself, beginner investing, financial discipline, money mindset, at pagpili ng tamang investment vehicle.
Kung naghahanap ka ng paano mag-invest with ₱5,000, beginner investing Philippines, emergency fund, invest in yourself, money mindset, retirement planning, financial freedom, o investing for beginners, para sa’yo ang video na ito.
Tandaan: Hindi mo kailangang maging mayaman para magsimulang mag-invest. Kailangan mong magsimula ngayon para magkaroon ng mas maraming choices at mas magandang financial future.
The Student Aid Index (SAI) is the key metric that colleges use to calculate your financial need as a relates to providing financial aid packages.
The Student Aid Index (SAI) replaced the Expected Family Contribution (EFC) when calculating financial aid needs for families paying for college. This is the key formula that can help unlock scholarships, grants, federal student loans and other financial aid.
Both are calculated through formulas with information derived from the FAFSA form. The big reason behind the change is to create a better reflection on the true cost of colleges.
The formula is simple: cost of attendance (COA) minus Student Aid Index (SAI) and other financial assistance equals eligibility for need-based financial aid. But it’s never simple…
In the past, many families have interpreted the EFC as the total cost that they will be expected to pay. However, many face higher costs because colleges don’t meet the full need of students or include loans as a part of the financial aid package.
The new term, Student Aid Index, can’t erase the feelings that parents face when confronted with the costs of higher education. But it may allow parents and students paying for college to approach the financial challenge with fewer perceived expectations. With a more general term, parents may not feel solely responsible for funding their child’s higher education.
Table of Contents
Student Aid Index Chart (Formerly EFC Chart)
Student Aid Index Calculator
What Is The Student Aid Index?
Pell Grant Eligibility Formula
Key SAI Observations
Common SAI Questions
Would you like to save this?
We’ll email this article to you, so you can come back to it later!
Student Aid Index Chart (Formerly EFC Chart)
For the majority of families thinking about how to pay for college for the first time, the SAI Chart is probably going to be pretty shocking. Remember, a “good SAI” is lower – the lower the score, the higher the potential for need-based financial aid.
Keep in mind this SAI Chart (EFC Chart) is only an estimate, and at some point you’re going to want to put in your real data. See the SAI calculator below the chart to enter your data.
When you check out the SAI Chart below, keep in mind that these figures are estimates and may change. Furthermore, assets are assumed to be zero, and student income is assumed to be zero.
Negative SAI are left at zero since zero and below are treated equally.
You can find your family adjusted gross income (AGI) on the left, see how many dependent children you have, and you can see your Student Aid Index in the chart. The higher the SAI number, the less student aid you’ll be eligible for.
How To Read The Chart:
The chart is simply an estimate for whether or not you’ll receive financial aid based on your SAI number. Your AGI and number of dependents give an estimated SAI based on $0 assets. If you have assets, you’ll have a higher SAI. Then use the color codes below to get a sense of your aid eligibility:
Green: Eligible for need-based aid at Public 2-Year, Public 4-Year, Private 4-Year, Elite Colleges
Yellow: Eligible for need-based aid at Public 4-Year, Private 4-Year, Elite Colleges
Orange: Eligible for need-based aid at Private 4-Year, Elite Colleges
Red: Eligible for need-based aid at Elite Colleges
Purple: No Need-Based Aid Eligibility
More SAI Chart Details
Here is an HTML version of the SAI Chart:
2027 – 2028 SAI Chart
AGI
1 Dependent
2 Dependents
3 Dependents
4 Dependents
$30,000
$0
$0
$0
$0
$32,500
$0
$0
$0
$0
$35,000
$195
$0
$0
$0
$37,500
$648
$0
$0
$0
$40,000
$1,101
$0
$0
$0
$42,500
$1,545
$0
$0
$0
$45,000
$1,987
$355
$0
$0
$47,500
$2,429
$797
$0
$0
$50,000
$2,871
$1,239
$0
$0
$52,500
$3,313
$1,681
$0
$0
$55,000
$3,755
$2,122
$171
$0
$57,500
$4,197
$2,564
$613
$0
$60,000
$4,639
$3,006
$1,055
$0
$62,500
$5,095
$3,448
$1,497
$0
$65,000
$5,598
$3,890
$1,939
$95
$67,500
$6,100
$4,332
$2,381
$537
$70,000
$6,635
$4,774
$2,823
$979
$72,500
$7,217
$5,249
$3,625
$1,421
$75,000
$7,800
$5,751
$3,706
$1,863
$80,000
$9,123
$6,813
$4,590
$2,747
$85,000
$10,565
$7,978
$5,543
$3,631
$90,000
$12,111
$9,280
$6,527
$4,481
$95,000
$13,725
$10,550
$7,547
$5,293
$100,000
$15,378
$11,957
$8,656
$6,173
$105,000
$17,031
$13,544
$9,852
$7,157
$110,000
$18,685
$15,197
$11,223
$8,199
$115,000
$20,338
$16,850
$12,681
$9,395
$120,000
$21,991
$18,504
$14,335
$10,685
$125,000
$23,644
$20,157
$15,988
$12,092
$130,000
$25,269
$21,782
$17,613
$13,674
$135,000
$26,875
$23,388
$19,219
$15,280
$140,000
$28,481
$24,944
$20,825
$16,887
$145,000
$30,088
$26,600
$22,431
$18,493
$150,000
$31,694
$28,206
$24,038
$20,099
$155,000
$33,300
$29,813
$25,644
$21,705
$160,000
$34,906
$31,419
$27,250
$23,311
$165,000
$36,513
$33,025
$28,856
$24,918
$170,000
$38,119
$34,631
$30,462
$26,524
$175,000
$39,725
$36,238
$32,069
$28,130
$180,000
$41,445
$37,957
$33,789
$29,850
$185,000
$43,197
$39,709
$35,541
$31,602
$190,000
$44,949
$41,461
$37,292
$33,354
$195,000
$46,701
$43,213
$39,044
$35,106
$200,000
$48,453
$44,965
$40,796
$36,858
$205,000
$50,183
$46,696
$42,527
$38,588
$210,000
$51,914
$48,427
$44,258
$40,319
$215,000
$53,645
$51,888
$45,989
$42,050
$220,000
$55,376
$51,898
$47,719
$43,781
$225,000
$56,953
$53,466
$49,297
$45,358
$230,000
$58,496
$55,009
$50,840
$46,901
$235,000
$60,039
$56,551
$52,382
$48,444
$240,000
$61,582
$58,094
$53,925
$49,987
$245,000
$63,124
$59,637
$55,468
$51,529
$250,000
$64,667
$61,180
$57,011
$53,072
$275,000
$72,369
$68,811
$64,712
$60,774
$300,000
$79,730
$76,243
$72,074
$68,135
Source: The College Investor
Student Aid Index Calculator
Now that you know some of the basics, check out this SAI Calculator to see how your personal situation compares. This SAI Calculator has been updated for the 2027 – 2028 FAFSA.
MyCollegeCorner has a great SAI Calculator that can provide a pretty accurate result in about 8 minutes of data entry. Check it out here:
What Is The Student Aid Index?
The Student Aid Index (SAI) is simply a number that represents the “financial need” you have to afford college. The lower the number, the more need you have (e.g. you cannot afford to pay much towards college).
Due to the confusing nature of the EFC, lawmakers have decided to make a change. However, the reality is that the change is mostly in name.
The basics of the formula that calculator the resulting number will remain the same. However, the FAFSA Simplification Act has brought a few updates to the formula that will change the way colleges calculate a student’s financial needs.
So, what’s new?
Streamlined FAFSA Form
A major change is a more streamlined FAFSA form. Instead of answering over 100 questions, the FAFSA is only a few dozen questions. This should save students and parents time when applying for financial aid.
Cost Of Attendance Changes
The Cost of Attendance (COA) is another important number when sorting through college costs. Here are some of the changes including in the new law:
A student will not need to be attending school on at least a part-time basis to allow for a personal computer’s rental or purchase. The student can be enrolled at any time commitment for this allowance.
Transportation allowances between home, school, and work are allowed. A college financial aid administrator will set the actual transportation allowance.
A student will need to be enrolled at least half-time to receive an allowance for personal expenses.
Room and board allowances must be split into separate allowances for housing and meals. Meal allowances must be based on three meals per day.
Housing allowances for students living in college-owned or operated housing will be based on the greater of the average or median housing costs.
Housing allowances cannot be set to zero for students living with their parents at home.
An allowance for private student loan fees is no longer applicable.
An allowance for loan fees on federal loans for students and parents will be mandatory, instead of at the discretion of a college.
Trending Article Right Now
2027-28 FAFSA Guide
Learn how to complete the 2027-28 FAFSA step-by-step
Video tutorial and comprehensive question guide
READ THE ARTICLE
Multiple Students Will Be Treated Differently
In the past, families with multiple students attending college at the same time on at least a part-time basis received special treatment. The parent assessment was divided by the number of family members in college.
Also, independent students had their family contribution divided by the number of students attending college on a half-time basis.
The SAI will not be divided based on the number of students in college within a family. With that, middle and high-income families may miss out on previous opportunities to save.
New Pell Grant Eligibility
Eligibility for Pell Grants will be based on a multiple of the poverty line. Households may qualify with incomes between zero and 175% to 400% of the poverty line. Additionally, incarcerated students will be eligible for the Pell Grant.
Negative SAI Will Be Possible
If the student is eligible for the maximum federal Pell Grant, the Student Aid Index will be set to 0. But the financial aid formula can allow for an SAI to be below zero, as low as -$1,500. This can help colleges more accurately determine a student’s financial needs.
Related: What Does A Negative SAI Mean
Other Changes
The really big change, not shown in this chart, is the elimination of the sibling loophole.
Previously, the number of dependents in college had two impacts. It divided the parent contribution and it reduced the income protection allowance. Eliminating the former causes a decrease in financial need. Eliminating the latter causes a slight increase in financial need. The impact of the former is greater as income increases, so it mostly leads to less aid for middle and high income families with multiple children in college at the same time.
Another change that is overlooked is the elimination of the state and local tax allowance. In high tax states, this will cause a big decrease in financial need, to the tune of thousands of dollars difference in financial aid, especially for middle and high-income families.
Pell Grant Eligibility Formula
Also, the secondary Pell Grant eligibility formula (minimum Pell Grant at 225% of the poverty line, maximum Pell Grant at 175% of the poverty line) is not shown in this chart.
Here are the thresholds so that you can compare them to the SAI Chart above (the 2027 – 2028 FAFSA/SAI will use the 2025 Poverty Line).
Family Size
2025 Poverty Line
175% Poverty Line
225% Poverty Line
1
$15,650
$27,388
$35,213
2
$21,150
$37,013
$47,588
3
$26,650
$46,638
$59,963
4
$32,150
$56,263
$72,338
5
$37,650
$65,888
$84,713
6
$43,150
$75,513
$97,088
Key SAI Observations
There are a few changes that we can see from looking at the SAI Chart.
The SAI figures are lower than the 2026–27 chart at nearly every income level. The income protection allowance rose about 3.8%, the assessment brackets moved up, and the 2025 tax year carries a larger standard deduction, so more income is shielded before the formula assesses it.
Each additional child reduces SAI by roughly $3,500 to $4,200 at incomes above about $125,000. At $150,000 AGI, one dependent gives an SAI of $31,694; two dependents drops it to $28,206, a decrease of $3,488.
Each additional $10,000 in parent income raises SAI by about $3,200 to $3,500 between $100,000 and $220,000. Below $100,000 the increase runs from about $1,800 to about $3,300 per $10,000 as the assessment rate climbs from 22% to 47%.
The income threshold for a $0 SAI increases with family size. A family with one dependent has a $0 SAI up to roughly $34,000 of AGI. A family with four dependents has a $0 SAI up to roughly $64,000.
The impact of additional income on SAI is greater at higher income levels. For a family with two dependents, a $10,000 increase from $60,000 to $70,000 raises the SAI by $1,768 (from $3,006 to $4,774). The same $10,000 increase from $90,000 to $100,000 raises the SAI by $2,677 (from $9,280 to $11,957).
At an AGI of $120,000, the SAI for a family with one dependent is $21,991. For a family with two dependents, it is $18,504, a decrease of $3,487.
Pell Grant thresholds are higher for 2027–28. A family of four hits the 175% poverty line at $56,262.50 and the 225% line at $72,337.50, up from $54,600 and $70,200 for 2026–27.
At very high incomes, SAI rises at roughly 29% to 31% of additional income once the 32% and 35% federal brackets and the Social Security wage base come into play. For a family with two dependents, going from $275,000 to $300,000 raises SAI by $7,362 (from $68,881 to $76,243), about 29.4% of the added income.
Common SAI Questions
What is the Student Aid Index (SAI)?
The Student Aid Index (SAI) is a measure of your financial need when it comes to college financial aid. The lower the number, the more financial need you have. It also directly impacts your eligibility for a Pell Grant.
Can My SAI Be Negative?
Yes, a negative SAI demonstrates the highest financial need. The lowest SAI score is -$1,500. However, all values $0 to -$1,500 are treated equally.
Does SAI Replace EFC Completely?
Yes, the SAI completely replaced the EFC score in 2024.
The departure of Steve Jobs from Apple(AAPL +1.00%) was not a happy event. The innovative founder, who himself had returned to the company after being ousted by the board, had a terminal illness. Tim Cook was taking over in a very difficult situation and didn’t have much help during his transition. That’s not what is happening this time around, as Cook hands the CEO job over to John Ternus. That’s positive news for worried investors.
What did Cook do for investors?
When Tim Cook took over Apple in 2011, it had a market cap of around $350 billion. That’s a very big company, but its market cap is $4.7 trillion today. Very clearly, investors benefited greatly under Cook’s tenure. It seems reasonable for investors to wonder if John Ternus can keep Apple’s successful run going.
Image source: Apple
The honest truth is that there’s no way to know how he will handle the CEO role at this industry-leading technology giant. But this CEO transition is very different from the last one, which should reduce the risk of failure. Most notably, Cook will stick around as executive chairman. That means he will be available to Ternus if the new CEO needs some guidance. This should make for a smooth transition.
Also important is that Ternus is a 25-year Apple veteran whose most recent role was overseeing the company’s hardware engineering business. He joined the company’s product design team in 2001. Essentially, he’s steeped in what is likely the most important aspect of Apple, making products that customers love. It is probably reasonable to give him the benefit of the doubt that he can, indeed, keep Apple focused on what sets it apart from the competition.
Today’s Change
(1.00%) $3.25
Current Price
$328.21
Key Data Points
Market Cap
$4.7TMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Day’s Range
$324.11 – $330.81
52wk Range
$225.95 – $344.57
Volume
37.2M
Avg Vol
54.6M
Gross Margin
48.65%
Dividend Yield
0.33%
A difficult time to take over the top job at Apple
That said, there are many moving parts in the technology sector right now. For example, artificial intelligence (AI) is a new technology that is expected to materially change the world, let alone the tech sector. Apple has yet to stake out a material position in the AI space, focusing mostly on integrating the tech into its product offerings rather than investing heavily in AI infrastructure. Ternus will have to deal with the impact of this disruptive technology.
That, notably, includes the impact of AI spending on the tech sector’s cost structure. Apple has already hiked prices, and Ternus will likely be responsible for initiating further price increases at a time when consumers are stretched. Given the business’s consumer focus, the new CEO clearly faces headwinds. However, given Cook’s continued availability and Ternus’ long tenure at Apple in key roles, investors probably shouldn’t count him out just yet.
A warning from workplace experts suggests early-morning boasts do more than irritate employees—they fuel burnout and set dangerous cultural expectations.
Square is offering some customers 10% cash back on all purchases (up to $10,000 in spend or $1,000 back) when they sign up for a Square business credit card
Our Verdict
Card is issued by Celtic Bank but runs on American Express payment network. We saw a 10% back deal for existing cardholders with a much smaller cap back in 2020. This new deal looks good if you are targeted.
Rocket Mortgage is mounting its latest challenge against United Wholesale Mortgage’s controversial “All-In” policy with a new broker transition program and permanent base-pricing cuts, designed to recruit brokers away.
Processing Content
Rocket Pro, the lender’s wholesale channel, announced Tuesday the launch of a program, called Moving Squad, that will help brokers transition their business from competing wholesale lenders, particularly UWM and its ultimatum policy, also known as the All-In initiative. The rule, established in 2021, proclaimed UWM wouldn’t work with brokers who also conducted business with Rocket and Fairway Home Mortgage
Rocket said brokers have expressed interest in moving on from UWM following its failed acquisition of Two Harbors along with a $451.9 million net loss in the second quarter, but feared the process would be too difficult and UWM would take legal action. Rocket’s new program aims to alleviate any concerns and shift a broker’s business to Rocket Pro in 10 days or less.
“The word ‘ultimatum’ flies in the face of what makes brokers so powerful and unique, which is choice,” Austin Niemiec, chief revenue officer at Rocket, told National Mortgage News. “It’s sad and embarrassing for our industry that brokers have to worry about being sued when they send a client, an American family, to Rocket because our pricing’s better, but it’s the reality of the ultimatum and why it’s unacceptable.”
Rocket has seen more brokers move from UWM to its wholesale channel in the last 90 days than the previous 12 months combined, largely due to UWM’s rising prices, Niemiec said.
When a broker switches to Rocket, they are assigned a moving squad, which consists of a director of growth, a crew leader, an account executive and a trainer. The team helps onboard loans, answers questions and teaches Rocket’s systems, processes and tools.
“The goal is from ‘Hello, meet your moving squad,’ to first loan submitted in under 10 days,” Niemiec said. “That’s how quickly we can get folks approved, trained up and ready to originate.”
Niemiec made it no secret the program comes as a response to UWM’s initiative, and current Rocket partners who help a UWM broker leave the lender can earn up to a $10,000 cash bonus.
UWM views this announcement as an admission Rocket cannot compete with its wholesale operation.
“After more than a decade of brokers overwhelmingly choosing UWM, it appears Rocket has decided cash incentives are the latest attempt to buy what they’ve been unable to earn,” a UWM spokesperson said. “Independent mortgage brokers are savvy business owners who know the difference between a short-term bounty and a long-term partner.”
Brendan McKay, president and co-founder of the Brokers Action Coalition, said UWM’s sentiment would be valid in an open market.
“The ultimatum’s bullshit. … It has completely divided the broker community, which is frankly tragic,” he said. “Talking about the ability to compete when you’ve completely tilted the playing field is disingenuous.”
Rocket’s new base pricing
The lender also announced its 60-basis-point purchase and refinance credits are now permanently part of its base pricing. This applies across conventional, Federal Housing Administration and Department of Veterans Affairs loans.
Niemiec said this originated from the broker community’s wants for simple, transparent, consistent and aggressive pricing, not gimmicks.
“It’s incredibly aggressive,” McKay said. “Price always matters, but especially when you’re trying to ramp up competition in a situation where brokers are forced to make a decision like this. The $10,000 is a very flashy headline, and it is impactful, but pricing always wins.”
In this video, we will discuss a roadmap to a successful career in finance: Investment banking & Financial modelling by introducing our Advanced Valuation and Financial Modelling Cohort starting from Aug 23rd, 2026.
🔥Advanced Valuation & Financial Modelling (AVFM):
Registration Link:
Brochure:
Note: RECORDINGS of all LIVE sessions will be provided
PARTIAL PAYMENT LINK –
Please note: The Partial Payment Option will be available till the 6th of September 2026.
——————————————————————————————————————–
Why Trust The Valuation School?
Hosted by CA Parth Verma, founder of The Valuation School, known for simplifying valuation, investment banking, and equity research for 1 million+ finance learners.
——————————————————————————————————————–
🚀 Want to level up?
Here are our flagship finance programs built for serious learners:
🌟Learn Financial Modelling – Step by Step –
🌟Learn AI for Finance – Step by Step in Simple Hindi –
🌟Equity Research Full Course in Hindi –
🌟Mutual Fund Analysis – Full Course –
🌟Weekly Bazaar Talks –
🌟NISM 15 Research Analyst Full Course –
🌟NISM 8 Exam – FULL FREE Course in Hindi –
🌟CFA Guidance in Hindi –
🌟Career in Finance – Guidance Series –
🌟Investment Banking Skills & Guidance Series –
✅ LinkedIn (Parth Sir):
✅ LinkedIn (The Valuation School page):
——————————————————————————————————————–
#finance , #investmentbanking , #investment , #stockmarket , #valuation , #financial analysis , #financialmodellingIn this video, we will discuss a roadmap to a successful career in finance: Investment banking & Financial modelling by introducing our Advanced Valuation and Financial Modelling Cohort starting from November 11th, 2025.
Private credit has grown from a niche institutional asset class into a $2.6 trillion global market and a major source of corporate financing. Driven by post–Global Financial Crisis regulatory reform, bank retrenchment, and investor demand for income, it has become a central feature of modern capital markets and is increasingly reaching wealth management clients and sophisticated retail investors through semi-liquid funds, non-traded business development companies (BDCs), interval funds, and digital platforms.
As this transformation accelerates, understanding how private credit is structured, how fund design shapes investor outcomes, and what expanding retail access means has become essential for investment professionals.
The world’s richest have amassed an eye-watering stockpile of $15.1 trillion—and their heirs are set to take over a third of the global billionaire fortune in the coming decade. Women and Gen Xers are set to take home the largest slice of the pie.
About 5,000 spouses and adult children will inherit $6.6 trillion of billionaire wealth by 2035, according to a recent report from wealth-intelligence firm Altrata.
More and more billionaires are inheriting part of their wealth thanks to the growing frequency of inter-generational estate transfers and family gifting. And within the next 10 years, new billionaire records could be broken as thousands more receive wealth from the current group of 3,795 billionaires—an all-time record.
Looking ahead, women stand to gain the most from the great wealth transfer. Only 13% of current billionaires are women—but as men over the age of 60 dominate the ultra-rich cohort, more than 1,235 female spouses (representing 90% of billionaire partners) will inherit a sizable chunk in the next decade. Altrata says the mega-wealthy gender gap will narrow over time, and as their fortunes grow, there will be “greater diversity” in decision-making and ownership.
“[Rising female billionaire representation] could also spur more entrepreneurial activity and venture capital involvement among the wealthy female class, drive an expansion of female-focused wealth management services, and influence large-scale philanthropic endeavors,” the report says, adding that billionaire women are more involved in non-profit sectors than men are.
Thousands of others stand to ride the wave of the trillion-dollar wealth transfer, including billionaires’ siblings, grandchildren, and organizations tied to philanthropic endeavors like non-profits and education institutions.
But their adult children will be some of the biggest beneficiaries—especially Gen Xers.
Gen X children will be among the biggest inheritors
Baby boomer billionaires spent decades grinding it out and stockpiling their successes—and now, their grown-up children are getting in on the action. Altrata found that 23% of expected adult child heirs, typically aged around 48, already work with their ultra-rich parents in the primary family business. That means the latchkey generation is now poised to inherit a massive share of that wealth.
“Attention is often focused on young millennial and Gen Z heirs, but the Gen X demographic is by far the most numerous in line to inherit from their wealthy parent(s),” the Altrata report says.
Rather than simply receiving cash deposits, adult heirs are set to take on a combination of real estate and shares in listed companies, private businesses, and investment portfolios.
Then there’s carrying on their parents’ entrepreneurial legacy: Some billionaire children will lead family businesses that have passed down through generations, from manufacturing and consumer goods to finance and retail.
And when wealth falls into their laps, these billionaire heirs are expected to shake things up.
Young and middle-aged inheritors are more digitally savvy and activism-oriented than older generations. New technologies, responses to climate change, and “impact investing” could be huge areas of interest for these rich adult children, Altrata explains, which could run awry with how their older parents want to spend their fortunes.
Geopolitical tension and AI will shape the great wealth transfer
As thousands of spouses and adult children step into wealth in the coming decade, they’ll be up against major headwinds.
Altrata predicts that “further erosion of the global rules-based order,” climate pressures, tech transformation, and changes to the global economy in the AI era will shape the years ahead.
“This substantial transfer of family wealth is set to occur in a world of rising complexity, tense geopolitics, and major environmental and technological change,” the report says. “A more unpredictable multipolar world, with shifting centers of power and influence, will complicate the succession-planning and wealth-preservation strategies of the global billionaire class.”
However, there is still opportunity in the chaos of the great wealth transfer. Altrata says that volatility gives next-gen billionaires new opportunities in business, investing, and philanthropy.
As trillions of dollars change hands, inheritors won’t just take on their family fortunes—they’ll also have the chance to reshape how that wealth is invested, spent, and put to work.
![[Targeted] Square Business Credit Card 10% Sign Up Bonus ($10k Spend/$1k Back)](https://globalinvestmentstrategy.com/wp-content/uploads/2026/09/square-business-1024x461-768x346.jpg "[Targeted] Square Business Credit Card 10% Sign Up Bonus ($10k Spend/$1k Back)")
