The hottest Financial planning Substack posts right now

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Investment Portfolio Strategies - A Beginner's Guide (Part 1)

Concepts of Finance 🧠 • 379 implied HN points • 26 Sep 24
💰 Finance Investment Strategies Risk management Portfolio Management Financial planning Market Analysis
  1. Having an investment strategy is important because it helps you reach your financial goals. It guides your decisions based on your goals, how much risk you're comfortable with, and your future needs.
  2. Different investment strategies exist, like the 60/40 portfolio which mixes stocks and bonds, or the All Weather portfolio which is built for various economic conditions. Each has its pros and cons depending on your investment style.
  3. Before investing, ask yourself key questions about your savings, future expenses, and how much risk you can handle. This will help you create a strategy that fits your personal financial situation.

How much software budget do you need for an early stage fund?

The VC Corner • 459 implied HN points • 14 Aug 24
💼 Business Venture Capital Startup funding Technology Tools Financial planning
  1. You need a solid tech stack to improve efficiency in early-stage funds. This helps you manage tasks better and focus on high-impact work.
  2. A basic software budget for productivity can be around $1.2K per year per person, with additional costs for add-ons and data sources.
  3. Understanding your goals and resource needs is essential when choosing tools. Investing in the right data sources and proper tech can really boost your fund's performance.

From Numbers to Narrative: Financial Modeling for Founders 📊

The VC Corner • 579 implied HN points • 12 Jul 24
💼 Business Startups Investment Financial planning Entrepreneurship Market Analysis
  1. Financial modeling is all about telling your startup's story using numbers. It's important for getting investments and managing your business well.
  2. A solid financial model includes three main statements: the Income Statement, Balance Sheet, and Cash Flow Statement. These help you understand your revenue, costs, and financial position.
  3. Building a financial model starts by defining your assumptions. This helps you predict future performance and make informed decisions for your startup.

❄️🏢 Acheter un immeuble de rapport : tout ce qu’il faut savoir

Snowball • 1100 implied HN points • 22 Jan 24
💰 Finance Real Estate Investing Property Management Financial planning Risk management
  1. Buying an income-building property requires thorough preparation and attention to details before making the purchase.
  2. Investing in buildings with multiple rented units can offer advantages like lower price per square meter, increased yield, and centralized management.
  3. When visiting potential properties, it's crucial to ask the right questions to sellers, observe key elements on-site, and gather essential documents for further evaluation.

25 Stocks I'm Watching For 2025: Part 1

QTR’s Fringe Finance • 20 implied HN points • 30 Dec 24
💰 Finance Investing Stocks Market Trends Economic Analysis Financial planning
  1. The author is identifying stocks to watch for 2025 based on market trends. This can help investors focus on specific opportunities in the stock market.
  2. In the past year, the stocks chosen performed well but not as well as the overall market, particularly the biggest tech companies.
  3. This post offers insights for paid subscribers, suggesting it provides detailed analysis and guidance for making investment decisions.
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Eight steps to a better financial future

A Bit Gamey • 6 implied HN points • 26 Jan 25
💰 Finance Investing Savings Wealth Management Financial planning Risk management
  1. Cutting back on spending can help you save money without sacrificing enjoyment. Making small, easy cuts can really add up.
  2. It's important to have an emergency fund for unexpected situations. Protecting yourself financially can give you peace of mind.
  3. Invest in your future by researching and learning about different investment options. The more you know, the better decisions you can make.

Building Models to Predict the Future

Growth Croissant • 353 implied HN points • 31 Mar 23
💼 Business Forecasting Subscription Market Analysis Financial planning Business Growth
  1. Subscription business models are more predictable and easier to forecast compared to other models.
  2. A reliable forecast can provide baseline expectations for growth, shift focus to long-term revenue, and help set goals and allocate investments.
  3. Forecasting new paid subscriptions and predicting paid cancels are key components in building a forecast model for a subscription business.

So, you messed up.

DeFi Education • 1019 implied HN points • 01 Dec 22
🔮 Crypto Investing Risk management Market Analysis Financial planning Personal Finance
  1. Everyone makes mistakes, especially in investing. It's important to learn from them and manage risk so you can keep moving forward.
  2. If you're struggling financially, focus on increasing your cash flow, cutting expenses, and working hard. It's important to adapt to the tough times.
  3. Don't assume that past market conditions will come back. Prepare for the future by managing risks and being smart about your investments.

40-Something Creatives: What Should We Do Next?

The Intersection • 296 implied HN points • 08 Jul 23
💼 Business Work-life balance Financial planning Entrepreneurship
  1. In your 40s, it's crucial to reflect on your career and life path since there may not be as many 'next' opportunities left. You have to navigate responsibilities and the question: 'What should I do next for the rest of my life?'
  2. When making career decisions in your 40s, consider personal values and priorities. Understand what truly matters to you to find fulfillment and satisfaction in your professional life.
  3. Think about where you want to live, the type of work you want to do, and how much money you really need. These considerations can help guide you towards a more fulfilling and balanced professional life in your 40s.

Overview of Portfolio Construction and Risk Management, Part 2 of 2

DeFi Education • 579 implied HN points • 05 Mar 23
💰 Finance Investment Risk management Portfolio Management Financial planning Market Analysis
  1. Portfolio construction requires understanding different frameworks and methods to organize investments effectively. It's important to choose a strategy that fits your financial goals.
  2. Using leverage can be useful in certain situations, but it also increases risk. It's essential to know when it's appropriate to leverage your investments.
  3. Controlling risk with position sizing is crucial for managing your portfolio. By adjusting the size of your investments, you can better protect yourself against losses.

New Normal

Venture Prose • 219 implied HN points • 15 Oct 23
💼 Business Entrepreneurship Financial planning Efficiency Business Models
  1. Set higher business goals and aim to achieve positive yields from actions taken.
  2. Question industry norms and push yourself to exceed expectations, rather than just following what others have done before.
  3. Prioritize efficiency and financial independence in your business strategies, ensuring that actions are intentional with positive long-term impacts.

Your Guide To Bull Market Pain Levels

The Lund Loop • 78 implied HN points • 10 Feb 24
💰 Finance Investing Stock Market Risk management Financial planning Speculation
  1. Investors experience different levels of pain in a bull market, ranging from mild discomfort to severe distress.
  2. The Pain Assessment Scale categorizes bull market pain into three main levels: Pain Free, Mild Pain, Moderate Pain, and Severe Pain.
  3. Addressing issues like position sizing, risk management, and speculation can help alleviate bull market pain. Seeking help from a financial planner is advisable if symptoms persist or worsen.

Soft landings in venture

The Down Round • 78 implied HN points • 18 Jan 24
💼 Business Venture Capital Investing Startups Funding Financial planning
  1. Startups need to focus on building sustainable business models for long-term growth and survival.
  2. Companies with high valuations must navigate carefully to achieve a 'soft landing' without damaging their cap tables.
  3. Entrepreneurs should consider various strategic and financial options, including debt and unconventional fundraising, to ensure business continuity.

Net worth: what is it and how to calculate it

Concepts of Finance 🧠 • 199 implied HN points • 09 Mar 23
💰 Finance Personal Finance Wealth Management Financial planning Investment Strategies
  1. Net worth is the total value of what you own minus what you owe. It's like seeing how much money you have if you sold everything and paid off your bills.
  2. Calculating your net worth helps you understand your financial situation. It can show if you're actually doing well or if debt is holding you back.
  3. Regularly checking your net worth can help you track your financial progress. You want it to grow over time as you save and earn more money.

Capital Gains Tax Explained

Concepts of Finance 🧠 • 119 implied HN points • 02 Mar 23
💰 Finance Taxes Investments Real Estate Stock Market Financial planning
  1. Capital gains tax is what you pay when you sell an asset, like stocks or property, for more than you bought it. If you make a profit, that profit is subject to tax.
  2. There is an annual allowance for capital gains tax, meaning you can earn a certain amount from selling assets before you have to pay any tax on it. This allowance can vary by country and type of asset.
  3. There are different tax rates for short-term and long-term capital gains. Long-term gains are usually taxed at lower rates if you've held the asset for more than a year.

Personal Finance for Tech 101 [Finance Fridays]

Technology Made Simple • 79 implied HN points • 26 Nov 22
💰 Finance Personal Finance Investing Debt Management Financial planning
  1. Have an Emergency Fund: Save 6-12 months of expenses to prepare for unexpected layoffs without selling investments.
  2. Pay off Debt: Prioritize paying high-interest debt to prevent it from draining your finances over time.
  3. Allocate Finances Wisely: Follow the 50-30-20 rule to budget your income for expenses, investments, and savings, ensuring a balanced financial plan.

Should Disney be in charge of large infrastructure projects?

Klement on Investing • 3 implied HN points • 29 Nov 24
💼 Business Infrastructure Financial planning Investment Psychology Customer Experience
  1. Disney approaches projects with a focus on creating fun experiences, which could lead to better user engagement. This idea suggests that people enjoy experiences more when they are entertaining, even if it means spending more time in transit.
  2. A fun financial planning approach could keep clients more engaged and lead to better outcomes. Instead of just focusing on returns and risks, financial advisors could link investment choices to a client's happiness and lifestyle.
  3. The concept of a 'happiness advisor' in finance may change how people perceive their investments. By considering both financial planning and emotional well-being, this approach might help people stick to their plans and enhance their overall satisfaction.

Building CAUSL - Episode 6: Revenue Targets

CAUSL Effect • 19 implied HN points • 29 Mar 23
💼 Business Entrepreneurship Startups Revenue Marketing Financial planning
  1. Startups should set three types of revenue targets: a basic goal, a stretch goal, and a survival target. Each one helps guide your progress in different ways.
  2. Survival targets are crucial; they tell you the minimum income needed to keep the business going. It's more about what you need than what you want.
  3. Always keep an eye on your financial goals, because they shape the decisions you make today. Hitting your basic target is vital, but don't forget to aim higher!

Is Overemployment the Best Path to Early Retirement?

The Fat Software Engineer • 20 implied HN points • 12 Apr 23
💼 Business Workplace dynamics Income Strategies Legal considerations Financial planning Employee Management
  1. Overemployment can be a strategy for early retirement by earning more and spending less.
  2. Overemployment involves having more than one job at once, which can be managed in different ways like working long hours or taking multiple jobs for quick paychecks.
  3. Ethically, overemployment depends on performance, legality of contracts, and the ability to handle multiple jobs stress-free.

Founder Exit Series: A Roadmap for Navigating the Crossroads of Entrepreneurship

Meliora by Ana Stoica • 0 implied HN points • 22 Oct 24
💼 Business Entrepreneurship Leadership Exit Strategies Financial planning Negotiation
  1. The Founder Exit Series offers guides to help founders prepare for exiting their business. It helps them think about their motivations and what they need to consider financially.
  2. Each month, a new article will explore different aspects of the exit process, advising on strategies and legal matters. This ongoing release allows founders to reflect and apply new ideas to their journey.
  3. The series will also discuss life after an exit and how to find new opportunities. It aims to help founders create a meaningful legacy beyond their business.

🔥 is FIRE Right for You?

The Wisdom Project • 0 implied HN points • 20 Oct 24
💰 Finance Investing Savings Retirement Financial planning Wealth Management
  1. FIRE means Financial Independence, Retire Early. The idea is to save and invest enough money so that you can stop working much earlier than usual.
  2. There are different approaches to FIRE like Lean FIRE, Indie FIRE, and Barista FIRE, each suited for different lifestyles and savings goals.
  3. To start with FIRE, you should track your expenses and figure out how to save more money. Even small changes can lead to big savings over time.

[VYX] Checking Out in 2025? (Part 1)

Nongaap Investing • 0 implied HN points • 23 Dec 24
💰 Finance Investing Market Trends Economic Policy Risk management Financial planning
  1. It's important to think about the reasons behind certain actions and decisions that might happen in 2025. Understanding motivations can help in making better choices.
  2. Activism might play a key role in shaping the direction of events. People speaking up can influence outcomes and bring about change.
  3. Exploring various strategies now can prepare us for what to expect in the future. Having options can make it easier to deal with challenges later on.

Why A Stock Market Pullback Is Likely

Spilled Coffee • 0 implied HN points • 06 Mar 24
💰 Finance Investing Stock Market Market volatility Financial planning
  1. The stock market is likely to experience a pullback because history shows that periods of continuous growth are always followed by downturns.
  2. Investors should be prepared for market volatility, as on average there are 3 pullbacks and a correction every year.
  3. Selloffs are a normal part of investing, and understanding the different levels like pullback, correction, bear market, and market crash can help investors navigate through fluctuations.