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The SEC’s approval lets Nasdaq test blockchain-based versions of stocks that trade and settle like traditional shares.

TheStreet aims to feature only the best products and services. If you buy something via one of our links, we may earn a commission.Why we love this dealIt’s not just your closet and wardrobe that can benefit from a seasonal shakeup. Your heavy winter blankets and bedspreads can become stuffy and unbearably hot as the weather begins to warm up outside. Rather than tossing and turning, trying to find a cool spot throughout the night, switch up your bedding with something breathable and more lightweight that lets you snooze in peace. Bedding doesn’t just affect the quality of your sleep, but it also has an impact on the overall look of your bedroom, so the style is just as important a consideration. One option we love for spring and summer, due to its lightweight construction and adorable appearance, is the Homespun iEnjoy Home Wild Flower 3-Piece Reversible Duvet Cover Set at Nordstrom Rack. Even better, this charming cottagecore-inspired duvet cover and two matching pillow shams is 20% off for the full/queen-size, bringing the price down to just $40. The twin XL and king/California king sizes are also on sale for $32 and $45, respectively.Homespun iEnjoy Home Wild Flower 3-Piece Reversible Duvet Cover Set, $40 (was $50) at Nordstrom Rack

Courtesy of Nordstrom Rack

Shop at Nordstrom RackWhy do shoppers love it?The delightful pattern on this 3-piece bedding set displays neatly arranged blooming flower branches. The variety of florals offers splashes of baby blue, light pink, and mustard yellow for a pop of color that doesn’t overwhelm the bedroom. You’ll find this pattern on the front of the duvet cover and two pillow shams, and on the opposite side, the bedding showcases a solid pastel pink. When you feel like changing it up, you can mix and match these sides to transform the look of your bed. Elegant in its simplicity, this charming duvet set could blend with numerous decor styles, from vintage cottage and rustic farmhouse to boho eclectic. “I love the look of the room — it’s the perfect finishing touch,” raved one reviewer. They also reported, “The fabric is lovely, soft, and comfortable.”Related: Amazon is selling a 7-piece bedding set for $37 that comes in 24 colorsCrafted from premium microfiber, the bedding is made to be ultra-soft. Additionally, this material is fade-resistant, wrinkle-resistant, and machine washable, so it’s easy to maintain and care for on laundry day. Microfiber is a solid choice for warm weather, as the fabric is lightweight and fast-drying, but it’s not breathable, which may be a downside for some shoppers. If this is the one potential concern, it likely won’t be an issue since you can pair the duvet with breathable sheets, like cotton, linen, or bamboo.Details to know Sizes available: The duvet set comes in twin XL, full/queen, and king/California king sizes.Material: 100% microfiber.Is it machine-washable?: Yes.With an average rating of 4.5 out of five stars, this bedding set is a popular choice among shoppers. “This duvet is exactly the beautiful touch my daughter’s bed needed,” raved one reviewer. They also said it’s “light and cool, perfect for summer!”Duvet sets are different from your traditional comforter or quilt sets, because they require an additional piece: the duvet insert. A duvet is basically a plain comforter, and you can better adjust the bedding to your needs, because you can choose your preferred thickness, weight, material, and warmth. If you don’t currently own a duvet insert, we found some deals on Nordstrom Rack to consider.Shop more dealsModern Threads Down Alternative Reversible Comforter, $28 (was $60) at Nordstrom RackHomespun Cotton Comforter Duvet Insert, $83 (was $139) at Nordstrom RackSouthshore Fine Linens Vilano Down Alternative Comforter, $61 (was $65) at Nordstrom RackUpgrade your bedroom for the warm weather ahead with a side of serious style with the Homespun iEnjoy Home Wild Flower 3-Piece Reversible Duvet Cover Set for just $40 at Nordstrom Rack. 

Easter is Sunday, April 5. And if you haven’t made plans yet, hop to it.

The crypto sector’s leading political action committee devoted more than 5% of its war chest trying to defeat a Senate candidate who just won her primary.

Fed chair Jerome Powell said rising energy prices are feeding into the inflation outlook, but “nobody knows” yet how lasting the impact will be.

Personal loans are steadily gaining popularity as consumers lean on unsecured borrowing to pay their rising bills. The share of Americans with personal loans reached a new high in 2025, with nearly four in 10 adults now using one, according to Experian data.
“U.S. consumers continue to spend, based on recent retail sales figures, and credit card balances continue to climb,” the report said. “At the same time, record-high interest rates on existing credit card balances may be motivating more consumers to search for lower-cost ways to manage that debt.”
While not as draining as high-interest rate credit cards, taking on unsecured debt at average rates above 10% usually isn’t plan A. But the trend line around personal loans has been consistent: The share of consumers with this type of debt has ticked up each year for almost a decade. The pace of growth has gained steam, too, with the share of Americans with a personal loan increasing by 1 percentage point or more per year since 2021.
The total number of personal loans on credit reports now stands at 67.5 million — up 7% from 2024. Of those loans, 30 million are unsecured, meaning they are not tied to a car or another asset. For that reason, they typically also have higher rates.

A record number of consumers have personal loans: Report
Experian, which connects consumers to personal loan lenders, frames the growth of this business as a sign that more consumers are strategically using personal loan products to “refinance and consolidate higher-interest debt.”
And while that may be true, the news is also a warning sign that — whether it’s inflation, the job market or something else — consumers are facing tough financial circumstances driving them into potentially costly loans. For borrowers with strong credit, personal loans can carry rates as low as 7% or 8%, as of early 2026. But for other consumers, they can be just as expensive as credit cards, with APRs topping 30%.
The average personal loan balance is $19,333, according to Experian, and the Federal Reserve reports an average rate of 11.65% for a two-year loan. At those levels, a borrower would pay over $180 per month in interest in the first month. A year of payments later, they would still be paying over $100 per month just in interest. (In total, that loan would accrue over $2,400 in interest.) What’s more, many borrowers are turning to loans with longer terms, often up to 5 or 7 years, as a way to keep monthly payments low. But longer terms typically carry higher APRs.
Personal loans can sometimes help consumers manage credit card debt that’s hurting their credit. And when interest rates drop, personal loans can be an option to pay off higher interest rate debt — essentially trading one debt for another with a lower rate.
Recent interest rate cuts “have clearly accelerated personal loan activity,” Rakesh Patel, executive vice president for Experian Consumer Services Marketplace, said in the report. When rates drop by a percentage point, that can be enough for consumers to essentially refinance with a new personal loan, Patel adds.
While the Federal Reserve held interest rates steady Wednesday, previous interest rate cuts in September, October and December likely led to more personal loan borrowing at lower rates.

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For advisors managing high-net-worth households, the choice of “wrapper”—exchange-traded funds or mutual funds choice—is no longer just a matter of preference; it is a critical lever for maximizing aftertax alpha. The data from recent market cycles serves as a stark warning. In up years, like 2025, strong market returns forced many mutual fund managers to realize gains to rebalance, resulting in widespread payouts. In 2025, roughly 72% of the US equity mutual funds issued capital gains distributions, with average payouts ranging from 7% to 10% of the net asset value.However, the “phantom” tax liability is even more damaging during down cycles. In 2022, the S&P 500 declined by over 18%, yet two-thirds of all US equity mutual funds still distributed capital gains, averaging 7% of NAV. This tax sting in a down year highlights a fundamental flaw in the mutual fund structure: Investors are often forced to pay taxes on a losing investment.Here are the six reasons why the ETF wrapper is the superior fiduciary choice for taxable portfolios in 2026:1. Structural Mitigation of Phantom Tax LiabilityMutual funds suffer from an inherent “collective action” flaw: The behavior of your fellow investors dictates your tax bill. In both up and down markets, this creates a tax drag that erodes compounding. ETFs use the in-kind creation and redemption process. By exchanging baskets of underlying securities with market makers rather than selling for cash, the ETF manager can purge low-basis shares without a taxable event. Says Phil McInnis, chief investment strategist at Avantis Investors, “ETFs are far less likely to distribute capital gains, so it puts the control back in the advisor and client’s hands from a tax planning perspective.”2. Lessons From the Double-Whammy YearsHistory shows that mutual fund distributions are often highest when investors can least afford them. For a client with a $1 million taxable portfolio, a 7% distribution in a down year (like 2022) results in a $70,000 taxable event. At a 23.8% tax rate (including the net investment income tax), that is a $16,660 tax bill on a losing investment. ETFs effectively eliminate this insult-to-injury scenario.3. Enhanced Operational TransparencyIn today’s sophisticated landscape, the traditional mutual fund’s “black-box” quarterly reporting is insufficient. Most ETFs provide daily transparency of holdings. This allows for precise risk monitoring, ensuring that a portfolio isn’t overconcentrating in high-risk sectors or closet indexing against a benchmark the client already owns.4. Intraday Agility and Liquidity ControlWhile critics point to intraday volatility as a negative, it is actually a risk-management feature. Mutual funds offer a single liquidity point at 4 p.m. Eastern time. To mitigate the risk of wide bid-ask spreads, advisors should avoid the volatility zones (the first and last 30 minutes of the trading day) and use limit orders. 5. Precision in Tax-Loss HarvestingHarvesting losses in a mutual fund can be clunky, often requiring a 30-day wait in cash or temporarily investing in a suboptimal fund to avoid wash-sale rules. The vast universe of specialized ETFs allows advisors to swap between highly correlated but distinct wrappers to maintain market exposure while locking in the tax benefit immediately.6. Solving for the Cash Drag ProblemMutual funds typically maintain a cash cushion (often 3% to 5%) to handle daily redemptions. Because ETFs trade on the secondary market between investors, the fund manager can remain nearly 100% invested. Over a long-term horizon, reclaiming that 3% cash drag can translate to significantly higher compounded growth.The Conclusion: A Structural Fiduciary DutyWhile mutual funds still offer utility for automated 401(k) contributions, for the taxable brokerage account, the evidence is overwhelming. In 2026, the ETF isn’t just a trading vehicle; it is a tax-management technology. “The shift from mutual funds to ETFs among advisors has been substantial,” McInnis says. “The ETF is a more modern vehicle, and the potential efficiencies can translate to real differences over time.”By selecting the ETF wrapper, advisors are fulfilling their duty to maximize client wealth by minimizing the friction of unnecessary distributions and internal costs.

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