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Discovering, evaluating and choosing which stocks to buy can take a significant amount of time. For this reason, many people choose to use stock picking services, newsletters, subscriptions and sites.

Using these services doesn’t mean you’re off the hook for doing any of your own due diligence, but they can save you a lot of time. Plus, stock picks from an expert stock advisor are likely more accurate than yours if you’re only a novice or intermediate trader.

There are many options for stock advice, so let’s go over what to look for in a service and the top choices you should consider.

What is a Stock Picking Service, Advisor, Subscription or Site?


invester reviewing financial information

Stock picking services give their subscribers specific stock recommendations. The services compile and analyze extensive stock data sets such as quarterly earnings, market share and more.

By analyzing and providing suggestions of what to buy, they take much of the work out of strategic stock buying.

Often, the terms “stock picking service,” “stock picking subscription,” and “stock picking site” are used interchangeably. Newsletter often implies emails or physical mail, such as a magazine or newspaper.

Subscriptions may range from smartphone apps, to private website access, or also refer to newsletters. Focus less on the terms and more on what different services offer.

Stock newsletters provide general advice, not personalized advice for individual subscribers. If you want individualized advice, seek out a financial advisor. Materials should be impartial, rather than promotional.

Finally, these services shouldn’t make guarantees that any stock will rise.

What Makes a Good Stock Picking Service or Advisor?


man reviewing investments on smartphone

Take into account the following factors when choosing a stock picking service.

→ Proven Track Record.

Choose a stock picking service that outperforms across long periods. You want a service that chooses investments that earn a great return, meaning better than similar companies or a comparable benchmark index.

Stocks fluctuate, so it’s essential they choose growth stocks that continue to perform over time.

Transparency is key, both in how the stock picking service works and how they are choosing stocks. Avoid any services with hidden fees or those that seem to have secret sponsors.

The stock picking services shouldn’t just be telling you what stocks are likely to rise, but why they are likely to rise as well.

Recommendations should be backed up with facts. Services should mention actionable signals, which tell us why a price will move.

→ Replicable Trading Capabilities.

The recommendations made must be replicable by you.

Suggested stocks shouldn’t be ones only available to institutional investors and you should be able to pay roughly the same prices as the stock picking service. Otherwise, returns won’t be the same.

Consider an Initial Public Offering (IPO), which is a stock that recently became publicly traded or will be shortly.

Institutional investors may have access to the stock at a lower price right before it hits the market.

If so, they will have superior overall returns than someone who buys it a few days later at a higher price.

→ Low / Worth the Cost.

At minimum, a good investment service should pay for itself. You should recoup your subscription costs based on the recommendations the stock picking service provides.

Ideally, you make a profit and the higher the profit the better. The lower the price of the stock picking service, the greater your overall profit margin.

Quality of recommendations is more important than cost, but if recommendation quality is equal, the service that costs less will net you more. This lets you buy low and sell high with profit in mind.

→ Educational.

In addition to sending investment picks, the best stock picking services also provide educational resources that teach you how to research and analyze stocks on your own.

With the right educational materials, you won’t have to be completely reliant on a stock advisor and will be capable of doing your own research.

It’s unlikely you have the funds to purchase every recommendation. They provide a shortlist of investment picks and you can teach yourself how to be even more selective.

1. Motley Fool Rule Breakers: Best for Long-Term Investors Looking for Growth Stocks


motley fool rule breakers sign up

  • Available: Sign up here
  • Best Stock Picking Service For: Buy-and-hold growth investors
  • Price: $99 for first year

Motley Fool Rule Breakers focuses on stocks that they believe have massive growth potential in emerging industries. This stock advisor service isn’t fixating on what’s currently popular, but rather always looking for the next big stock.

The Motley Fool Rule Breakers service has six rules they follow before making stock recommendations to subscribers:

  1. Only invest in “top dog” companies in an emerging industry – As Motley Fool puts it: “It doesn’t matter if you’re the big player in floppy drives — the industry is falling apart.”
  2. The company must have a sustainable advantage
  3. Company must have strong past price appreciation
  4. Company needs to have strong and competent management
  5. There must be strong consumer appeal
  6. Financial media must overvalue the company

As you can see, before recommending a stock to users, Rule Breakers considers a number of factors. In short, the service mainly looks for well-run companies in emerging industries with a sustainable advantage over competitors, among other factors.

And their rules seem to pay off if their results have anything to say about it.

Over the past 15 years, Rule Breakers has almost doubled the S&P 500, beating many leading money managers on Wall Street. Their results speak for themselves and easily justify the affordable price tag of $99 for the first year.

rb-performance-vs-sp-500-apr-2022

What to Expect from Motley Fool’s Rule Breakers:

The service includes three primary items you can expect to receive:

  1. A listing of Starter Stocks to begin your Rule Breakers journey with their “essential Rule Breakers”
  2. 5 “Best Buys Now” opportunities each month
  3. Two new stock picks each month

You’ll receive regular communications from the stock picking service with their analysis and rationales for buying stocks meeting their investment criteria.

If you’re unhappy with the service within the first month, you have a full membership-fee back guarantee.

 

2. Seeking Alpha: Best for Investment Research + Stock Recommendations


seeking alpha app

  • Available: Sign up here
  • Price: Free; $19.99/mo billed annually for Premium (or $29.99/mo monthly); $199.99/mo billed annually for Pro (or $299.99/mo monthly); contains ads and in-app purchases

Seeking Alpha Premium caters to the needs of intermediate and advanced investors looking for an affordable, all-inclusive, one-stop-shop for their investing needs.

Seeking Alpha Premium acts as an all-in-one investing research and recommendation service that offers insightful analysis of financial news, stocks, and more—all designed to help you make better investing decisions.

Whether you’re looking to invest on the go or dedicate time for more in-depth research and analysis, Seeking Alpha provides features that meet your needs.

No other site provides what Seeking Alpha does, providing unlimited access to everything from:

  • Earnings calls transcripts
  • Seeking Alpha Author Ratings and Author Performance metrics
  • 10 years worth of financial statements
  • Ability to compare stocks side-by-side with peers
  • Access to dividend and earnings forecasts and much, much more.

How Has Seeking Alpha Premium Performed?

Seeking Alpha’s Premium subscriptions provide access to the service’s Stock Quant Ratings. These represent collections of the best (to the worst)-rated stocks according to three independent investment resources provided on Seeking Alpha’s website.

These cross checks and validations come from: (1) the Seeking Alpha Quant Model, (2) Seeking Alpha independent contributors, and (3) Wall Street analysts. The list of best stock recommendations gets further vetted by quantitative and fundamental analysis.

For example, the service offers its Triple Rated Top Stocks collection, which contains a listing of the top rated securities—all of which get validated by “Very Bullish” or “Bullish” ratings held on the platform.

All this attention to detail pays off, too.

Have a look at the dramatic market outperformance seen by these Top Rated Stocks from Seeking Alpha Premium as compared to the S&P 500 (total return with dividends reinvested):

seeking alpha top-rated stocks vs sp500

What to Expect from Seeking Alpha’s Paid Plans

Seeking Alpha has over 16,000 active contributors sharing well-written stock analysis. In-house editors vet these pieces before being read and discussed by millions of people.

Reading different opinions about the same stock helps investors develop their own informed opinions on the likelihood a stock will rise or fall. I recommend this approach when learning how to research stocks.

In addition to diverse, deep-dive research articles, Seeking Alpha’s website has fundamental analysis tools, a Trending News feed, crowdsourced debates, and market data.

Users can create their own portfolios to follow favorite stocks, see how choices perform and receive email alerts or push notifications. You also have access to podcasts and video content.

While the website has a significant amount of information, some features remain reserved for the Premium Plan and Pro Plan members.

Seeking Alpha Premium

With a Seeking Alpha Premium subscription, you will enjoy unparalleled access with an ad-lite interface across your user experience.

Seeking Alpha Premium can help you manage your portfolio with a large investing community so you can better understand the financial world.

Access more premium content, author ratings and performance to get ideas for your next investment.

Premium plan members can see the ratings of authors whose articles they read. It’s useful to know if you’re reading a piece written by someone with a top record or a poor track record.

“Expert” analyses are reserved for Premium members as well. This plan includes a stock screener letting you filter by average analyst rating and gain access to listen to conference calls and other presentations. Premium costs $19.99/month.

Seeking Alpha Pro

A Seeking Alpha Pro subscription comes with all the features of Seeking Alpha Premium, but also comes with extra features like:

  • The Top Ideas recommendation list
  • Exclusive newsletter subscriptions and interviews
  • VIP Editorial Concierge
  • Seeking Alpha Pro screener for investing ideas
  • No ads—providing you with fewer interruptions to your reading experience.

The Pro Plan, targets towards professional investors and costs $199.99/ month if paid upfront.

Why Subscribe to Seeking Alpha?

In short, SeekingAlpha distills down the relevant financial information for you so you don’t have to—making it easy for anyone interested in self-directed investments to have a chance at outperforming the market. Now’s your chance with Seeking Alpha’s Paid Plans!

Consider starting a 14-day Free Trial to take advantage of the service without cost and see if it makes sense for your needs.

Related: Best Seeking Alpha Alternatives [Competitors’ Sites to Use]

3. Motley Fool Stock Advisor: Best for Consistent Market Outperformance


motley fool stock advsior

  • Available: Sign up here
  • Best Stock Picking Service For: Buy-and-hold growth investors
  • Price: $79 for first year

The main difference between Motley Fool’s stock picking services is the type of stock pick recommendations.

Stock Advisor primarily recommends well-established companies. Over a decade ago, they advised subscribers to buy companies such as Netflix and Disney, which have been majorly successful.

As a subscriber to Motley Fool Stock Advisor, you’re granted access to their history of stock market recommendations and can see for yourself how they have done over the years.

According to their website, the Motley Fool Stock Advisor stock subscription service has returned of 374% since their inception in February 2002 when you calculate the average return of all their stock recommendations over the last 17 years.

Comparatively, the S&P 500 only had a 125% return during that same timeframe.

sa-performance-vs-sp-500-apr2022

What to Expect from Motley Fool’s Stock Advisor:

The Motley Fool Stock Advisor stock picking service provides a lot of worthwhile resources to subscribers:

  1. “Starter Stocks” recommendations to serve as a foundation to your portfolio for new and experienced investors
  2. Two new stock picks each month
  3. 10 “Best Buys Now” chosen from over 300 stocks the Stock Advisor service watches
  4. Investing resources with the stock picking service’s library of stock recommendations
  5. Access to community of investors engaged in outperforming the market and talking shop

The Motley Fool Stock Advisor stock picking service costs $79 per year and has a full membership-fee back guarantee. Consider signing up for Stock Advisor today.

 

4. Motley Fool’s Everlasting Stocks


motley fool everlasting stocks sign up

If you’d like access to another Motley Fool stock recommendation newsletter alongside Stock Advisor and Rule Breakers, consider subscribing to the the company’s Everlasting Stocks service.

Launched in November 2020, Everlasting Stocks includes stock recommendations pulled from existing Everlasting services offered by the Motley Fool.

Led by Tom Gardner and his team of analysts (Asit Sharma, Auri Hughes, and Maria Gallagher), the team recommends two stocks per month.

The stocks recommended in Everlasting Stocks fall on the conservative side of the spectrum, and are intended for those with a long-term investing strategy in mind.

In addition to two monthly recommendations, members will also receive: monthly stock rankings, mindset articles, and video features (i.e. live chats, Q&A’s with the team, and general stock discussions).

You can expect the following updates for:

  • First Thursday – Stock recommendation
  • Second Thursday – Mindset article
  • Third Thursday – Stock recommendation
  • Fourth Thursday – Mindset article

You can also sign up for all three of these Motley Fool stock services (Stock Advisor, Rule Breakers and Everlasting Stocks) through the company’s Epic Bundle.

5. Zacks Investment Research: Best for Fundamental Analysis and Earnings Activity


zacks investment research sign up

  • Available: Sign up here
  • Best for: Fundamental investors
  • Price: Premium: $249/year

Zacks Investment Research is a Chicago-based money management and research firm that uses a fundamental analysis approach.

One of their popular features is the Bull and Bear of the Day, where the service selects two stocks and rates them as a Bull (strong buy) or Bear (strong sell) pick.

The investment research site can be accessed for free and provides general information about various stocks and funds.

Zacks Premium service gives access to:

  • The Zacks #1 Rank List
  • Focus List portfolio of long-term stocks
  • Custom Stock Screener
  • Equity Research reports and more.

The Portfolio Tracker provides constant monitoring of your stocks to help you decide if you should buy, hold, or sell. After a 30-day free trial, the price is $249 per year.

Zacks Investor Collection offers full access to more premium research tools and reports, such as their Focus List.

After 30 days for $1, the price is $59 per month, or discounted to $495 per year if paid upfront. Zacks Premium is included if you get Zacks Investor Collection.

Investors who desire even more information can get Zacks Ultimate. This plan provides exclusive services, such as Black Box Trader, Blockchain Innovators, Marijuana Innovators, Options Trader, and more.

Following a month for $1, it costs $299 per month.

Related: Zacks vs Motley Fool: Which Stock Picking Service is Better?

6. AAII Dividend Investing – Best Income Investing Stock Picking Subscription


aaii

  • Available: Sign up here
  • Best for: Dividend growth investors
  • Price: $2 full trial for 30 days; $199 for 1 year, $359 for 2 years, $399 for 3 years

AAII’s Dividend Investing does all the income investment due diligence work for you. With their proprietary stock-screening and picking process, AAII targets stocks that combine yield and asset quality.

The service also analyzes the company’s management team to make sure it is committed to dividend payouts — not just for today but for tomorrow as well.

Details:

– Target portfolio includes a mix of both GICS Sector (Consumer Staples; Financials) and Geographical Exposure (US Markets) with an emphasis on equities from sectors associated with healthy cash flows such as Utilities or Health Care Services

– AAII’s model Dividend Investing portfolio is managed using AAII’s best practices in order to minimize risk while generating higher income potential

Start your full 30-day trial for just $2 and see if it is a worthwhile income investment subscription for you.

 

7. Trade Ideas – Best Day Trader Alert Service


trade ideas sign up

  • Available: Sign up here
  • Best for: Day traders and long-term investors
  • Price: Trade of the Week Newsletter: Free; $1,999 / year, $167/mo for Premium; $999 / year, $83/mo for Standard

Trade Ideas employs an artificial intelligence-powered assistant named Holly. This AI becomes your virtual research analyst who never sleeps and instead sifts through technicals, fundamentals, social media, earnings and more to pick stocks as real-time trade recommendations.

Holly stays busy, too. She runs over 1 million simulated trades each night and morning before the markets open with more than 70 proprietary algorithms to find you the highest probability, risk appropriate opportunities to invest in stocks.

Trade Ideas doesn’t stop there, though. You can use these trade ideas proposed in real-time through a live simulated trading room. This allows you to demo the stock picking service’s ideas without risking your own money.

The powerful service allows you to access real-time streaming trading ideas on simultaneous charts to learn how to trade into risk-reward balanced trades. You can invest and learn at the same time.

Where Trade Ideas Excels

Where Trade Ideas excels is not only giving you the data and ideas you haven’t seen elsewhere, but also how to manage your money. The rules-based virtual trading room on every chart plays for both long-term investors as well as active traders.

As the market evolves, Trade Ideas’ software adjusts levels and the trading plan to match. The best part? You can learn how to do all of this without risking your principal through a real-time simulated trading environment.

After you’ve grown comfortable with the service, you can choose to go live with the trade ideas and start investing real money by connecting directly through a brokerage like Interactive Brokers, TD Ameritrade and E-Trade.

Additionally, the service provides alerting services. You can receive price alerts through their Standard and Premium services as well as by subscribing to the company’s ALERT index newsletter.

This gives you 5 new trade ideas in your inbox from the company’s model portfolio every Sunday night. They also offer a free Trade of the Week newsletter highlighting a stock pick they have identified for subscribers.

How Does Trade Ideas Find Stock Picks?

Trade Ideas’ technology uses a different scan each week to find unusual trade activity. For example, they may detect a high short interest % in a stock or industry, which often leads to short squeezes, such as what happened with GameStop.

Real people curate scan results before any recommendations come available through the service. You’ll also learn how the service picked the trade, why they believe it will perform well and how to find similar trades on your own.

The service carries a hefty price tag with plans starting at $999 per year for the Standard subscription. For the full Holly experience, you’ll need to upgrade to their $1,999 Premium plan.

Though, for these prices, you get access to what is likely the best day trading stock picking service on the market. If you’ve got a lot of capital you plan to place at risk, this investment is a no brainer.

Consider starting your Trade Ideas subscription with no contract involved. Cancel anytime.

 

8. Millionacres Real Estate Winners: Best for REIT Stock Picking


millionacres real estate winners sign up

  • Available: Sign up here
  • Best for: Buy-and-hold real estate investors
  • Price: $149/year

It takes only a few minutes to find out whether you need Millionacres Real Estate Winners as your real estate investing guide.

Also one of the many stock picking services from the Motley Fool, this stock picking service focuses on understanding the fast-moving, ever-changing world of real estate investment—and mobilizing you for success with valuable resources, recommendations and picks!

From the stock picking service’s easy-to-understand monthly investment alerts that cover REITs and real estate equities traded on the stock market, or the quarterly investment ranking selections—Millionacres aims to simplify investing research and make clear cut cases for why you might consider picks they recommend.

They aim to cover obstacles encountered by savvy or beginner investors by making informed decisions clear and simple—not just possible.

What You Get with Millionacres Real Estate Winners

Millionacres Real Estate Winners is a premium stock picking service for your real estate investing success. You will receive clear, actionable investing ideas and recommendations from this stock advisor service along with specific guidance on getting started in today’s market.

The Millionacres Real Estate Winners services offers these resources to subscribers:

  • New stock recommendations each month you remain subscribed
  • Regular updates on recommended stocks following earnings and other important events
  • Quarterly “Top 10 Investment Alerts” ranking real estate investment selections
  • Education content and resources for you to access

Most importantly, you’ll receive monthly stock picks tailored to help you succeed as well as educational content and resources to make sure you get the information you need when starting from scratch.

With successful solutions created by experts in every facet of the business, Millionacres Real Estate Winners has helped investors grow their stock market portfolios and take control of their financial future without costly mistakes or bad habits that lead to undoing all of your hard work.

See if this service makes sense for you now by subscribing today for only $149 for your first year.

 

9. Mindful Trader – Best Stock Picking Service for Swing Trading


mindful trader

  • Available: Sign up here
  • Best for: Swing traders
  • Price: $47/mo

Mindful Trader provides members with stock trade alerts over email and text messages. Users receive around five to fifteen trade alerts each week. All recommendations come based on a data-driven approach.

Members have access to the creator’s watchlist, his live positions shown in the member dashboard and historical data with the trades conducted since inception.

You can use this paid swing trading stock picking service to take advantage of short-term movements in the market.

The service provides trade windows and clear guidance on when to open and or close positions to follow the service’s swing trading methodology.

The price is $47 per month and cancelable at any time.

 

10. Tim Alerts – Best for Penny Stock Day Traders


tim sykes penny stocks sign up

  • Available: Sign up here
  • Best for: Penny stock day traders
  • Price: $697 per year; $1,297 per year for Pennystocking Silver

Penny stocks present an appealing opportunity to buy when a stock trades for a low value in the hopes of making quick money when it moves up suddenly.

Tim Sykes rose to fame by taking around $12,000 in bar mitzvah financial gift money and day trading it on penny stocks. By the time he’d graduated college, he’d become a self-made millionaire with the intent of teaching others how to replicate his success.

He’s created a stock picking service in addition to finance services, educational content and training to retail investors.

He provides his Tim Alerts daily newsletters with penny stock picks every market day around 8am EST / 5am PDT with a set of stock watchlists for the day. You can receive this by email, SMS or even push notifications in real time throughout the trading day.

Subscribers also get live chat room access with a paired proprietary trading app.

The service also includes the ability to access a library of over 7,000 videos to train you on how to trade penny stocks and potentially replicate Tim’s success.

 

11. Scanz – Best for Day Traders


scanz sign up

The simplicity of Scanz makes it extremely useful for users. Rather than constantly refreshing price screens and searching for news, you can be alerted with any information relevant to you.

Possible alerts include:

  • Significant company news
  • Price changes
  • Volume changes
  • Percentage changes and more

Receiving this information helps traders avoid missing out on trades because, when it comes to day trading, timing is everything.

  • Scanz News Streamer costs $79/month and alerts you to news and SEC filings on NASDAQ, NYSE, and AMEX. It also has streaming charts, two online discount broker integrations, and more.
  • The Trade Scanner is priced at $99/month. In addition to scanning data (including Level 1 & 2 data) on NASDAQ, NYSE, and AMEX, it has breakout alerts, unlimited watchlists, streaming charts, a montage window, and more.

The most acclaimed feature of Scanz (formerly EquityFeed Workstation) is the “FilterBuilder.” With this tool, you can filter and pick stocks based on your desired criteria, including value, growth, momentum or even penny stocks.

Users who want both the News Streamer and Trade Scanner can have them at a combined discounted rate of $149/month.

 

12. Pilot Trading – Best for Active Traders


pilot trading sign up

  • Available: Sign up here
  • Best for: Cryptocurrency, futures, forex and stock traders
  • Price: $19.95/mo after 14-day free trial

Pilot Trading uses artificial intelligence to monitor the activity of all day traders in real time.

This information can tell when the market is likely about to change direction and notifies users about prime trading opportunities. It includes stocks, crypto, futures and forex, so you can follow whichever markets interest you most.

Members create their own watchlists or can choose to use default ones. To make trading easier, it’s also possible to connect to any of their supported stock trading apps for direct in-app trading.

After a two-week free trial, Pilot costs $19.95 per month.

 

13. The Maley Report – Best for Comprehensive Investment Analysis


the maley report

  • Available: Sign up here
  • Best for: Fundamental investors
  • Price: $49/mo or $490/year

The Maley Report offers actionable stock investment insights based on a confluence of factors and analysis.

Matt Maley spent over 35 years in Wall Street’s trading desks before becoming a market strategist at Miller Tabak + Co, where he’s been for ten years.

Using his expertise, he combines macro, technical, and fundamental analysis to form a complete picture of what’s happening in the stock market.

He shares this information with his subscribers through an activity feed, blog posts, resource page, videos, and email newsletter. The price for it all is $49/month or $490/year (17% discount).

If you’re not satisfied within 30 days, you can receive your money back.

 

Should You Buy Recommendations from These Services?


successful man looking at phone medium

If you have serious interest in investing with these stock picking services, I suggest starting small and cautiously with their recommendations.

Consider following along with a paper trading account available through free stock apps.

These accounts allow you to place trades without placing actual trades and putting your money at risk.

Apps like Webull, a trading app like Robinhood, offer this functionality for free.

By using a free paper trading service, you can test the recommendations of the stock picking service and how they perform relative to the market.

Always Perform Your Own Due Diligence


investment professional

I recommend several services here because you should never let one single source represent your stock investing choices. If you find an interesting stock pick, research it more on your own.

Only after performing your own due diligence should you invest.

Consider pairing an investment research service like Stock Rover to your subscription to get more in-depth and objective views of the stocks recommended.

Best Stock Picking Services, Newsletters, Subscriptions & Sites


millennial couple looking at smartphone medium

The best stock picking service for you will depend on whether you’re a day trader or long-term investor, your level of trading expertise, and your budget for services.

You aren’t limited to one service. It’s common for investors to choose multiple services to fit different needs. If you’re unsure which service(s) is best for you, take advantage of free trial offers.

No matter what service you use, always remember to do your due diligence after reading stock recommendations.


About the Author and Site

In 2018, I was winding down a stint in investor relations and found myself newly equipped with a CPA, added insight on how investors behave in markets, and a load of free time.  My job routinely required extended work hours, complex assignments, and tight deadlines.  Seeking to maintain my momentum, I wanted to chase something ambitious.

I chose to start this personal finance website as my next step, recognizing both the challenge and opportunity.  I launched the site with encouragement from my wife as a means to help younger generations learn how to invest, manage and plan their money with confidence.

Disclaimer

I have not been compensated by any of the companies listed in this post at the time of this writing.  Any recommendations made by me are my own.  Should you choose to act on them, please see the disclaimer on my About Young and the Invested page.

About the Site Author and Blog

In 2018, I was winding down a stint in investor relations and found myself newly equipped with a CPA, added insight on how investors behave in markets, and a load of free time.  My job routinely required extended work hours, complex assignments, and tight deadlines.  Seeking to maintain my momentum, I wanted to chase something ambitious.

I chose to start this financial independence blog as my next step, recognizing both the challenge and opportunity.  I launched the site with encouragement from my wife as a means to lay out our financial independence journey and connect with and help others who share the same goal.

Disclaimer

I have not been compensated by any of the companies listed in this post at the time of this writing.  Any recommendations made by me are my own.  Should you choose to act on them, please see the disclaimer on my About Young and the Invested page.