Goldman’s $2B ETF Bet, Market Crosswinds, and Vanguard’s Crypto Pivot

We break down buffer ETFs (smooth the ride, cap the upside), why “rate cuts” might not mean cheaper mortgages right away, what Japan’s bond moves can do to U.S. rates, and how to size crypto without blowing up your plan. Plus: a quick look at 1-800-Flowers’ pop (trader bounce, not turnaround).

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