Markets: Fintech, AI, Dividends, High‑Yield Picks

U.S. markets show sectoral rotation as fintech momentum grows: formerly unprofitable names SoFi (≈+75% YTD) and Robinhood (≈+300% YTD) have turned profitable, and AI-driven lenders (Upstart) and platforms (Affirm, Rocket) could benefit from expected Fed rate cuts that should boost loan volumes and reduce delinquencies. Top-rated tech and AI plays are in focus — Validea highlights Qualcomm for 5G/on-device AI exposure and screens flag growth names including Procore for cloud and AI capability expansion. The gig economy is broadening beyond ride‑hailing into services and freelance marketplaces (Uber, DoorDash, Upwork, Fiverr), presenting thematic opportunities. For buy‑and‑hold investors, dividend strategies featuring large techs such as Alphabet and Apple remain durable options, while healthcare exposure via the Vanguard Health Care ETF (VHT) offers diversified sector weighting. Income and large‑cap considerations are mixed: Take‑Two shows strong growth, Prudential faces premium and leverage pressures, and high‑yield dividend/midstream names (Hess Midstream, Delek Logistics) could attract investors if dividend hikes persist.