The hottest Finance Substack posts right now

And their main takeaways
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Top Finance Topics

The Great Disconnect

Buggy Humans in a Messy World • 884 implied HN points • 19 May 23
💰 Finance Investing Stock Markets
  1. Learn from the best in your domain by studying their common approaches and applying them to your own journey.
  2. In investing, aligning with the strategies of the greatest of all time can lead to success.
  3. There seems to be a disconnect in how aspiring investors follow strategies compared to successful investors.

Good Intentions, Perverse Outcomes: The Impact of Impact Investing

Musings on Markets • 859 implied HN points • 12 Oct 23
💰 Finance ESG Social Impact Market Analysis
  1. Impact investing aims to make money while helping society, but it can sometimes backfire. Sometimes the good intentions of investors lead to negative outcomes because their investments fail to create real change.
  2. There are three main methods of impact investing: inclusionary, exclusionary, and evangelist. Each has its strengths and weaknesses, but they all rely on understanding which companies truly contribute positively to society.
  3. Despite the money invested in green energy, our reliance on fossil fuels hasn't significantly decreased. It shows that while impact investing tries to solve societal problems, it might not be working as effectively as intended.

❄️💖 380 ans d'utilité publique. Un coup de cœur.

Snowball • 471 implied HN points • 23 Jan 24
💰 Finance Investment Personal Finance Banking Financial Services
  1. Learn about the Crédit Municipal de Paris, an institution with over 380 years of history providing various financial services.
  2. The Crédit Municipal offers services such as quick loans against valuable items, financial counseling, auctions, and ethical savings options.
  3. The institution aims to innovate and modernize its services, while maintaining a focus on social impact and financial empowerment.
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Artificial Intelligence: European Union AI Act and its implications for finance

The Fintech Blueprint • 471 implied HN points • 23 Jan 24
💰 Finance Regulation Technology Compliance Financial Institutions AI
  1. The European Union AI Act categorizes AI systems into various risk levels and imposes strict regulations to ensure transparency, safety, and non-discrimination in financial services.
  2. Financial institutions using AI for customer data analysis and fraud detection must comply with the EU AI Act by ensuring accurate, unbiased decisions that are explainable to both customers and regulators.
  3. Complex AI systems like Large Language Models (LLMs) pose challenges in transparency and trust, requiring new methods to interpret decision-making and align with the EU regulations.

February 2025, Week-1

The Parlour • 4 implied HN points • 05 Feb 25
💰 Finance Machine Learning Risk management Statistical Analysis
  1. The study on Network Linear Covariance Models shows that using GNAR models can help better predict stock price movements in the S&P 500, especially during busy trading times.
  2. Agent-Based Modelling is a new method introduced to simulate financial markets, which can help us understand market behavior more clearly.
  3. These research efforts highlight how machine learning techniques can be applied to finance, providing insights that can improve trading strategies.

What Can We Learn From Banking Policy In Trump’s First Term?

Fintech Business Weekly • 89 implied HN points • 10 Nov 24
💰 Finance Banking Regulation Fintech Investments Economic Policy
  1. Banking regulations during Trump's first term favored a more business-friendly and less restrictive approach, making it easier for financial innovations to flourish.
  2. Several key appointments in his administration were focused on encouraging small-dollar loans and improving access to credit for underprivileged communities.
  3. There are concerns about the transparency and accountability of banks, especially regarding how they handle customer funds during crises like bankruptcies.

Nvidia Record High Thoughts

Spilled Coffee • 32 implied HN points • 07 Jan 25
💰 Finance Stock Market Investing Economics Financial Analysis Market Trends
  1. Nvidia has reached a new all-time high, breaking the $150 barrier recently. This indicates the company's strong performance in early 2025.
  2. The writer remains confident in Nvidia's prospects, indicating a long-term positive view on the stock.
  3. The current stock level prompts reflections on whether to buy more, sell, or adjust their position, highlighting the decision-making process for investors.

Chartbook 238: Making & remaking the most important market in the world. Or why everyone should read Menand and Younger on Treasuries.

Chartbook • 1673 implied HN points • 08 Sep 23
💰 Finance Market structure Financial history
  1. The US Treasury market liquidity is crucial for the global financial system.
  2. The issuance of public debt is intricately tied to the creation of credit and money in a public-private partnership.
  3. Changes in the Treasury market structure, from banks to capital markets to non-bank actors, have implications for systemic stability.

The U.S. Economy is Roaring. Why Should Rates Come Down?

The Overshoot • 452 implied HN points • 27 Jan 24
💰 Finance Economy Interest Rates Growth Inflation Forecasting
  1. The U.S. Economy is showing strong growth and may not need rate cuts despite controlled inflation.
  2. Traders anticipate interest rates to decrease, but data suggests a period of faster growth akin to past economic booms.
  3. Initial forecasts of a U.S. recession were proven wrong, with the economy growing over 3% and showing resilience against negative predictions.

Trump’s Victory Has "Delayed The Fiscal Meltdown Scenario"...For Now

QTR’s Fringe Finance • 15 implied HN points • 22 Jan 25
💰 Finance Investing Market Trends Monetary Policy Economic Analysis Commodities
  1. The stock market is doing well, but gold, silver, and Bitcoin are also gaining value. This shows that investors are already worried about future inflation.
  2. Gold and Bitcoin are acting as warning signs for money printing and potential economic trouble. They have seen significant growth compared to traditional U.S. Treasury bonds.
  3. There is a chance the Federal Reserve will have to resort to methods like quantitative easing again, which means they could start printing more money to stabilize the economy. This could lead to further increases in the value of sound money assets.

One more IPO for the road

Alex's Personal Blog • 98 implied HN points • 15 Nov 24
💰 Finance Investing Startups Market Trends IPOs Technology
  1. WeRide and Pony.AI are two self-driving companies going public after some ups and downs in their stock prices. WeRide's stock is doing okay since listing, while Pony.AI is also gearing up for its IPO.
  2. Investors are showing strong interest in these companies because they focus on the growing robotaxi market in China. People want to invest directly in self-driving ventures instead of just betting on big companies like Alphabet.
  3. Both companies have potential for growth and are attracting capital to expand their services. This excitement around self-driving technology might lead to significant developments in the future.

Kremer Patent Auctions

Something to Consider • 39 implied HN points • 05 Aug 24
💰 Finance Economics Patents Auctions Healthcare Innovation
  1. Patents are meant to reward inventors, but they can lead to inefficiencies and high drug prices. Finding a balance is important to encourage innovation while ensuring access.
  2. Kremer's idea of patent auctions could help by allowing the government to buy patents, making drugs cheaper and more available to everyone while still fairly compensating inventors.
  3. Collusion among companies can be a concern in patent auctions, but even with this risk, the potential benefits of better research funding could outweigh the drawbacks of higher prices from collusion.

[P] VYX: Checking Out in 2025? (Part 3)

Nongaap Investing • 2 implied HN points • 11 Feb 25
💰 Finance Investing Market Analysis Economic Trends Business strategy Corporate changes
  1. James Kelly has become the new CEO, taking over from David Wilkinson. This change in leadership may lead to new strategies and directions for the company.
  2. The focus seems to be on developments in 2025, suggesting that there are important plans or changes expected in the near future.
  3. This information is part of a subscription model, indicating that there might be more in-depth content available for paying subscribers.

MMTLP: You want it to be one way... But it's the other way.

Keubiko’s Musings • 845 implied HN points • 10 May 23
💰 Finance Investing Stocks Market Regulation Financial Education
  1. Former owners of MMTLP faced challenges due to its cancellation and distribution of value through NBH shares.
  2. Understanding key dates and settlement processes is crucial in managing investments.
  3. Misconceptions around short selling, market makers, and securities registration led to confusion among MMTLP investors.

GameStopped

The Dollar Endgame • 439 implied HN points • 29 Jan 24
💰 Finance Stock Market Market Manipulation Regulatory issues
  1. In January 2021, the GameStop ($GME) stock price experienced extreme volatility and a significant price surge, shedding light on underlying issues in the stock market.
  2. The situation revealed how shorting mechanisms were exploited, with the stock being sold significantly beyond its float, and the impact of large institutions and financial media favoring institutional interests over retail investors.
  3. The events with GameStop highlighted the complex interactions between retail investors, short sellers, brokers, and clearinghouses, ultimately leading to regulatory scrutiny and uncovering the reality of market dynamics.

Political stability is necessary to attract investments

Klement on Investing • 3 implied HN points • 06 Feb 25
💰 Finance Investing Economic Policy Market Trends Foreign Investment Risk Assessment
  1. Political stability makes a country more attractive for investments. When governments are stable, investors feel more secure putting their money there.
  2. Economic Policy Uncertainty can hurt investment. High levels of uncertainty about policies lead to lower returns and make investors hesitant.
  3. Recent research shows a drop in foreign investments during times of high policy uncertainty. Countries like the UK saw many foreign investors pull out after political events like Brexit.

What's Art Got to Do with It?

System Change • 491 implied HN points • 10 Jan 24
💰 Finance Inflation Deflation China Economic Policy
  1. The art market is experiencing deflation as buyers prioritize debt repayment over new purchases.
  2. Debt deflation and low wages worldwide are driving the fall in prices of goods, services, and assets.
  3. China's economy, as the world's second largest, plays a significant role in global deflationary pressures and may require a drastic shift in economic policy to avoid a crash.

❄️ 🐣 Comment investir l'épargne des enfants ?

Snowball • 825 implied HN points • 14 Sep 23
💰 Finance Investment Children Taxation Stocks Personal Finance
  1. Consider investing children's savings in the stock market for long-term growth potential.
  2. Opening a brokerage account in your name to hold ETFs or stocks for your child and then gifting it to them can be a tax-efficient way to invest for their future.
  3. Ensure to handle legal aspects like declaring the donation to the tax authorities and consider equal distribution among multiple children to avoid inheritance disputes.

November 2024 New Home Sales

Erdmann Housing Tracker • 42 implied HN points • 24 Dec 24
💰 Finance Real Estate Market Trends Investment Analysis Economic Indicators
  1. New home sales are low, but this is not always a bad sign. It could mean there's room for growth in the market.
  2. There's a high inventory of homes available, giving buyers more options. This can lead to better deals for those looking to purchase.
  3. Having a lot of homes for sale can create competition and could eventually lead to a more balanced housing market. It's important to watch how this evolves.

Share Cannibals

Investment Talk • 766 implied HN points • 24 Oct 23
💰 Finance Investing Stocks Business Strategies
  1. Warren Buffett likes companies that aggressively repurchase their shares, calling them 'share cannibals'
  2. Share repurchases can increase ownership stakes in companies without extra cost
  3. Berkshire Hathaway indirectly increased ownership in companies like Apple and American Express through share repurchases

CEO of DeepSeek's parent, High-Flyer Quant, spoke in 2020

Pekingnology • 143 implied HN points • 27 Jan 25
💰 Finance Investment Quantitative AI Market Analysis Emerging Markets
  1. High-Flyer Quant uses AI for its investment strategies. They rely on advanced models and lots of data to predict stock prices and make trades.
  2. The Chinese stock market is seen as less efficient, which gives AI-driven strategies a chance to find opportunities that traditional investing might miss. This leads to potential higher returns for the right strategies.
  3. As more institutions enter the market, competition will increase. High-Flyer focuses on research and development to stay ahead in this tough environment.

Bitcoin Rips To $48,000 & Debt Monetization Is On The Way: TBL Weekly #80

The Bitcoin Layer • 393 implied HN points • 10 Feb 24
💰 Finance Bitcoin Federal Reserve Market Analysis
  1. Record-breaking first-month inflows for 9 new spot bitcoin ETFs have accumulated $31.6 billion in assets, driving bitcoin to highs above $48,000.
  2. With US Treasury facing funding needs leading to debt monetization surge, Fed liquidity could significantly increase over the coming months.
  3. The Fed might need to monetize Treasury debt due to lack of buyers and liquidity issues, potentially impacting financial market stability and global liquidity.

Final Look at Local Housing Markets in November and a Look Ahead to December Sales

CalculatedRisk Newsletter • 33 implied HN points • 30 Dec 24
💰 Finance Real Estate Market Trends Sales Data Mortgage Rates
  1. Existing home sales saw a year-over-year increase in November, but overall sales are still low compared to past years. This means the market is slowly improving but hasn't fully bounced back yet.
  2. Inventory levels of homes for sale are rising, especially in states like Florida and Texas. More available homes could impact house prices as we move into the winter months.
  3. New listings are showing slight growth, but they remain lower than historical norms. This could mean fewer options for buyers compared to previous years.