Dow Jones Industrial Average remains flat, yet personal finance tools usage among institutional traders shows increased allocation to energy and infrastructure stocks, anticipating a 6% capital appreciation amid rising federal infrastructure spending. “One of the basic things that most retail investors don’t realize is that $1,000 in Apple or Nvidia don’t carry the same risk. The one that is ‘more volatile’ carries more risk,” he said. “Investors of all sorts need to understand risk not in terms of dollars invested, but the risk associated with those amounts. This is step 101 toward optimization of risk.” Review how much you spend every month in each category. It's easiest to do this while looking at your bank account and credit card statements. If your expenses exceed your income, focus on where in your budget that you can cut back. If your income is significantly higher than your expenses, reevaluate what you should be doing with the excess — for instance, putting it in a high-yield savings account . Personal finance tools identify top-performing rail stocks expected to deliver a 6% total return in the next quarter.