• 6 min read
• Published on 25 July 2025
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View the full Basket:Banking & Finance Powerhouses
Let’s be honest, no one gets their pulse racing over a bank. For the past decade, all the glamour has been in tech, with whizzy startups promising to change the world from a garage in California. Banks, by comparison, feel like dusty, old institutions. They are the financial equivalent of a sensible pair of shoes. And yet, I find myself thinking that in today’s rather wobbly world, a bit of sensible might be exactly what an investor’s portfolio could use.
These financial behemoths are not just high street branches for cashing a cheque. They are the fundamental plumbing of the global economy. To ignore them is to ignore the very system that allows all that other, more exciting stuff to happen in the first place.
View the full Basket:Banking & Finance Powerhouses
When I talk about the plumbing, I’m really talking about a handful of American titans. Names like JPMorgan Chase, Bank of America, and Wells Fargo are not just big, they are systemically enormous. Their combined market value is larger than the GDP of many developed nations. They didn't get here by being lucky. They got here by building empires that are almost impossible to compete with.
JPMorgan is the undisputed king, a financial leviathan whose investment banking arm is the first port of call for any company planning something big. Bank of America, meanwhile, has its tentacles in the wallet of nearly every American household. And Wells Fargo, despite a few self-inflicted scrapes, remains a giant in the world of home loans. Their scale gives them a defensive moat that a scrappy fintech startup can only dream of crossing.
View the full Basket:Banking & Finance Powerhouses
For years, rock bottom interest rates made it difficult for banks to make a decent profit on their core business of lending. It’s a simple game, really. They borrow money from savers at one rate and lend it out to borrowers at a higher one. The gap is their profit. When central banks start hiking rates, that gap can widen quite beautifully.
The cost of their deposits tends to rise more slowly than the interest they can charge on new loans. This lag, this simple bit of timing, could translate into billions of additional profit flowing straight to their bottom line. While rising rates can cause pain elsewhere, for these giants, it might just be the welcome return of a favourable wind. Of course, nothing is guaranteed, but the mechanics are certainly compelling.
View the full Basket:Banking & Finance Powerhouses
Another distinctly un-glamorous, yet wonderfully reassuring, feature of these stocks is the dividend. In a market that can feel like a rollercoaster, receiving a regular cash payment provides a comforting dose of stability. It’s a tangible return on your investment, regardless of the daily squiggles on a stock chart.
What’s more, the regulators who have been breathing down the necks of these banks since 2008 have, perhaps unintentionally, done dividend investors a favour. The strict capital requirements they enforce mean the banks have to be incredibly robust to be allowed to hand out cash to shareholders. This oversight, while annoying for bank executives, adds a layer of security to those payments that I find quite appealing. It’s this blend of old-world muscle and new-world adaptation that makes a collection like the Banking & Finance Powerhouses basket an interesting proposition for those looking at the sector.
View the full Basket:Banking & Finance Powerhouses
Now, I wouldn't be doing my job if I painted a picture of risk-free perfection. Investing in banks is a direct bet on the health of the economy. If a recession hits, they are on the front line. Loan defaults could rise, and demand for new credit could dry up, putting a serious dent in their earnings.
Furthermore, these institutions are so large they are permanently in the crosshairs of politicians and regulators. A new rule here or a hefty fine there is a constant occupational hazard. Their size is both their greatest strength and their biggest vulnerability. It provides stability, but it also makes them a very large, slow moving target. It’s a trade off, like everything else in investing.
View the full Basket:Banking & Finance Powerhouses
View the full Basket:Banking & Finance Powerhouses
View the full Basket:Banking & Finance Powerhouses
View the full Basket:Banking & Finance Powerhouses
View the full Basket:Banking & Finance Powerhouses
View the full Basket:Banking & Finance Powerhouses
This article is marketing material and should not be construed as investment advice. No information set out in this article be considered, as advice, recommendation, offer, or a solicitation, to buy or sell any financial product, nor is it financial, investment, or trading advice. Any references to specific financial product or investment strategy are for illustrative / educational purposes only and subject to change without notice. It is the investor’s responsibility to evaluate any prospective investment, assess their own financial situation, and seek independent professional advice. Past performance is not indicative of future results. Please refer to our Risk Disclosure.
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