U.S. stocks held lower one day before the inauguration of President-elect Trump. The so-called Trump rally has faded in recent days as the policies of a Trump Administration remained ambiguous. Citigroup (C - Get Report) moved lower after getting hit with a $25 million fine from the U.S. Commodity Futures Trading Commission. Regulators had investigated charges of spoofing U.S. Treasury futures markets from 2011 to 2012. Target (TGT - Get Report) was downgraded to sell from neutral at Goldman Sachs. Analysts said the retailer was likely to see stagnant to lower earnings, which would weigh on its valuation. CSX (CSX - Get Report) was on its way to end the day with its best gains in more than three decades. The railroad operator surged on reports it had become a target for activist investors, led by former Canadian Pacific (CP - Get Report) CEO Hunter Harrison.