The hottest Investing Substack posts right now

And their main takeaways
Category
Top Finance Topics

One Big Way to Boost Housing Supply and Reduce Investor-Owned Housing

The New Urban Order • 119 implied HN points • 12 Jun 23
💰 Finance Investing
  1. The housing market is facing challenges with low supply and high demand, keeping housing prices inflated despite high mortgage rates.
  2. Creating a time-sensitive incentive program can push real estate investors to sell to homeowners, potentially boosting housing supply and lowering prices.
  3. Offering a one-year tax amnesty on capital gains taxes for investors who sell to homeowners could help unlock housing stock, shift ownership, and improve market dynamics.

Big Banks and Credit Unions- An overview[Finance Fridays]

Technology Made Simple • 119 implied HN points • 26 May 23
💰 Finance Investing
  1. Banks are for-profit while credit unions are non-profit. Credit union customers have more ownership and transparency in decision-making.
  2. Credit unions usually offer higher interest rates on savings and have lower fees compared to banks.
  3. Credit unions tend to be more flexible in customer service and product offerings, while banks typically have more branches and services.

Hedge Funds - A Beginner's Guide

Concepts of Finance 🧠 • 199 implied HN points • 01 Jun 23
💰 Finance Investing
  1. Hedge funds are private investment funds managed by professionals who use different strategies to earn high returns for wealthy investors. They're not open to everyone, and there's less regulation.
  2. Hedge funds can use strategies like long and short selling to profit from market changes. Long selling means buying with the hope the price will go up, while short selling means selling borrowed assets to profit if prices drop.
  3. Many people dislike hedge fund managers due to a lack of transparency and the perception that they profit during tough times for others. Plus, it's tough for regular folks to invest in hedge funds as they often have high minimum requirements.

Balance Investor FAQ ⚖️

@ricburton’s newsletter • 117 implied HN points • 12 Feb 23
💰 Finance Investing
  1. The wallet submission link on Wefunder is not working, improvements are being made.
  2. Investors may not see immediate returns, but efforts are being made to manage the cap table transition.
  3. Investors are encouraged to interact on Ethereum, register an Ethereum name, and bond wallets.
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Alfa Leak: What is Alpha?

DeFi Education • 679 implied HN points • 27 Jan 22
🔮 Crypto Investing
  1. Alpha is about making more money than a standard benchmark like the S&P 500. If you earn more than this benchmark, you have positive alpha.
  2. Beta measures how much an investment's price changes compared to a benchmark. A beta of 1 means it moves the same way as the benchmark, while higher or lower numbers show more volatility.
  3. In the crypto world, it's important to compare your gains against Bitcoin and understand how cryptocurrencies are becoming more similar to stocks over time. This can affect how much risk you take.

kitten corner: frozen assets

bad cattitude • 150 implied HN points • 20 Jan 25
💼 Business Investing
  1. Being an angel investor means you're thinking about supporting new businesses. It's important to do your research before deciding.
  2. Pitching to you shows that startups are looking for funding and believe in their idea. This can be an exciting opportunity if you choose wisely.
  3. Always ask questions and get advice from experienced investors. They'll help you understand the risks and rewards involved.

Chips For America

Investing 101 • 46 implied HN points • 09 Aug 25
💼 Business Investing
  1. Investing in domestic semiconductor manufacturing is crucial for the US. It helps ensure that the country can produce its own technology safely.
  2. Despite America's challenges, there is optimism about its potential for solutions and growth. This positive outlook is important for progress.
  3. Research on creating an American semiconductor company highlights its significance in global stability and future conflicts. It shows how interconnected technology and national security are.

DeFi Builders and Speculators: A Symbiotic Relationship

DeFi Education • 759 implied HN points • 25 Nov 21
🔮 Crypto Investing
  1. Builders and speculators in DeFi work together and rely on each other. Builders create the tools and platforms while speculators provide the necessary activity and liquidity.
  2. Speculators play a big role in DeFi by driving trading and usage, making them crucial for the ecosystem's growth. Their activities generate revenue that helps fund further development.
  3. The future of DeFi is bright, as it serves as the foundation for financial systems. Speculation will likely continue to be a part of it, but utility and real-world assets will also play a bigger role.

The Journey

Things I Didn't Learn in School • 117 implied HN points • 19 Jul 23
💼 Business Investing
  1. Schools and corporates emphasize mimicry over authentic expression.
  2. Corporate structures resemble authoritarian regimes, with loyalty being rewarded.
  3. Creating original work requires finding your unique voice and being true to it.

Optimism & Fear

Things I Didn't Learn in School • 117 implied HN points • 30 Jun 23
💰 Finance Investing
  1. There are optimists and pessimists on Wall Street, correlating to equity and bond investors.
  2. Over time, optimists have been more right than wrong, especially in holding US stocks.
  3. A perfect investment portfolio combines the fears of bond investors with the optimism of equity investors.

SVB Collapse - Solutions

The Odin Times • 117 implied HN points • 11 Mar 23
💼 Business Investing
  1. Silicon Valley Bank collapsed due to financial issues caused by low interest rates and poor investment decisions.
  2. Short-term liquidity issues are expected for founders and investors, but long-term recovery is likely.
  3. Resources like startup ecosystem resources, legal documents, and banking solutions are available to help those affected by the SVB collapse.

How Oversold Are Regional Bank Stocks?

Policy Tensor • 117 implied HN points • 04 May 23
💰 Finance Investing
  1. US blue-chip equities are a contested and efficient market, so price fluctuations usually revert to fundamentals.
  2. During market distress, patient investors with deep pockets may swoop in to buy assets at undervalued prices.
  3. Regional bank stocks are currently oversold, with prices far below economic fundamentals, presenting a potential opportunity for value investors.

Portfolio Update and Performance Review

Modern Value Investing • 117 implied HN points • 01 Aug 23
💰 Finance Investing
  1. Portfolio is up 150% YTD, driven by investments in Meta Platforms and highly shorted stocks like Upstart and Opendoor.
  2. Author is getting more cautious due to rising inflation and interest rates, and has diversified investments.
  3. Author has built a 7% position in long-term treasuries as a partial hedge against market turmoil.

Liquidity/Value Problems & Basic Chain Movements

DeFi Education • 819 implied HN points • 09 Oct 21
🔮 Crypto Investing
  1. People are spending more time online than ever before, making digital platforms more valuable for reaching audiences. This shift means attention and money are really moving towards the internet.
  2. Decentralized finance (DeFi) is solving big problems with liquidity by allowing quick and easy loans without traditional banks. It helps people access funds faster and without the hassle of intermediary fees.
  3. Many new crypto projects are popping up, and while some will fail, being an early investor can offer high returns. Staying informed and acting quickly can help maximize benefits in this rapidly changing market.

Enovix - You've Been Scammed? Maybe (part 2)

ESG Hound • 692 implied HN points • 13 Jul 23
💼 Business Investing
  1. The deal between Enovix and YBS seems questionable and based on a non-binding Letter of Intent.
  2. Enovix is a pre-revenue company trading at a high valuation, with plans for a new factory and potential Malaysian involvement.
  3. There are red flags surrounding YBS International, including resignations of corporate secretaries and changes in bank ownership.

Should You Make Money From Vaporware?

DeFi Education • 459 implied HN points • 28 Jul 22
🔮 Crypto Investing
  1. Vaporware refers to products that are announced but never actually released. This often happens in the tech world, leading to speculation and sometimes profit for early investors.
  2. Some people make money off 'shitcoins,' which are cryptocurrencies with little real value. It's important to understand the risks before investing in these types of coins.
  3. Investing in vaporware or shitcoins can be exciting but also very risky. Always do your research and be cautious about where you put your money.

Curve Overview - (Part 1 of 2)

DeFi Education • 899 implied HN points • 04 Aug 21
🔮 Crypto Investing
  1. Curve is a decentralized exchange focused on stablecoins. This means users can trade without middlemen, making it easier to swap currencies.
  2. The project is closely connected with Yearn Finance, which was discussed in previous posts. Understanding both can help with grasping DeFi concepts.
  3. This article is part of a series, suggesting that there will be more detailed information on Curve in upcoming parts. It's good to follow along for a complete picture.

Fighting The Fed

Points And Figures • 426 implied HN points • 27 Feb 24
💰 Finance Investing
  1. Interest rate futures, including SOFR and Fed Funds, are indicating market expectations of rate cuts by the Federal Reserve by the end of the year.
  2. The author predicts that the Federal Reserve will not lower rates in 2024 due to concerns about inflation and unemployment.
  3. Considering predictions about the Fed and interest rates, strategies like buying real estate without waiting for lower rates, buying out-of-the-money puts, and playing butterfly spreads are suggested.

Why HBM is the Hottest Thing in Memory

Mule’s Musings • 411 implied HN points • 03 Mar 24
🕹 Technology Investing
  1. Investing in semiconductors involves identifying secular trends and market dislocations for potential opportunities.
  2. HBM technology is driving a significant change in the memory industry, with SK Hynix being highlighted as a key player to watch for.
  3. Suppliers in the memory market are strategically shifting focus and investments towards HBM, anticipating a boost in market demand and profitability in the coming years.

Links - 02/01/2024

Value Investing World • 58 implied HN points • 02 Feb 24
💰 Finance Investing
  1. Investors should prioritize targeting downside risk over focusing on potential returns.
  2. Treasury bills are considered to be the closest thing to a risk-less investment.
  3. Consider targeting risk rather than a desired rate of return when making investment decisions.

More Problems at Coinbase (COIN)

The Bear Cave • 816 implied HN points • 13 Mar 23
💰 Finance Investing
  1. The Bear Cave raises concerns about Coinbase facing various problems like escalating losses and legal issues.
  2. Previous warnings by The Bear Cave about U.S. banks' exposure to the crypto industry have proven valid.
  3. Silvergate Bank's troubles, highlighted by The Bear Cave earlier, have led to drastic consequences like share price decline.

Venture Capital Fund Modelling III: Masterclass

Venture Curator • 139 implied HN points • 18 May 23
💼 Business Investing
  1. Venture capital fund lifecycle involves raising capital from LPs over 2-2.5 years, making investments during the commitment period, and shifting to follow-on investments afterward.
  2. VC funds go through a cycle of raising capital for Fund I, investing during the commitment period, then raising funds for Fund II to sustain investment activities.
  3. GPs play a crucial role in fundraising, investment decision-making, and supporting portfolio startups to ensure the success and growth of the VC fund.

The first rule of systemic solvency club...

The Jolly Contrarian • 159 implied HN points • 24 Mar 23
💰 Finance Investing
  1. Bank runs often reflect lack of confidence, and denials of trouble can signal trouble.
  2. Tier 1 capital in banking is crucial for financial stability and ensuring debts are paid.
  3. Alternative tier 1 capital, like AT1, provides a buffer in crises but can behave like debt or equity, impacting investors differently.

Curve Part 2 - Valuation and Q&A

DeFi Education • 839 implied HN points • 09 Aug 21
🔮 Crypto Investing
  1. Understanding the valuation of CRV is important for making informed investment decisions. It helps you see how valuable this asset could be based on different factors.
  2. The content emphasizes that what is shared is not a definitive valuation or recommendation. It's meant to be a guide for your own assessment.
  3. Engaging with the valuation framework allows individuals to grasp the potential for value accumulation and how to interpret it. This enhances your ability to analyze the asset effectively.

Links - 01/25/2024

Value Investing World • 58 implied HN points • 25 Jan 24
💰 Finance Investing
  1. Value investors focus on determining a fair price for a business based on its potential future earnings.
  2. Listening to the insights of the team members can lead to valuable improvements in processes.
  3. Encouraging people to have fun while carrying out tasks can lead to lasting change and improved outcomes.

The comeback of European growth stocks

Klement on Investing • 3 implied HN points • 28 Jan 26
💰 Finance Investing
  1. European growth stocks are staging a comeback, with renewed investor interest in growth names across the region.
  2. Over shorter horizons of about one year, share prices are far more sensitive to changes in government bond yields than to earnings or valuation shifts.
  3. For near-term investors, movements in bond yields will often drive returns more than earnings improvements or valuation changes, so watching yields matters most.

Top Questions ahead of Battlefin’s Discovery Day Miami

The Data Score • 59 implied HN points • 22 Jan 24
💰 Finance Investing
  1. The article highlights key questions for speakers at Battlefin's Discovery Day Miami, focusing on emerging technologies integration and data-driven insights in investment debates.
  2. The author tested ChatGPT for question generation, challenging its ability to create relevant and insightful questions for each panel session.
  3. The author compared their questions with ChatGPT's questions for each panel, reflecting on their differences and the strengths of human creativity against AI capabilities.

Decoding Term Sheets for Founders and Investors in Simple Terms

Venture Curator • 139 implied HN points • 08 May 23
💼 Business Investing
  1. Term sheets are important for founders and investors as they outline the terms of the deal and can impact the future success of a business.
  2. Understanding the economic aspects of term sheets, like valuation, investment amount, and liquidation preference, is crucial for negotiating deals with venture capitalists.
  3. Key terms in term sheets include equity, option pool, liquidation preference, anti-dilution, and founders should carefully consider these terms when making decisions.

Spilled Coffee Year In Review

Spilled Coffee • 8 implied HN points • 31 Dec 25
💰 Finance Investing
  1. The newsletter grew sharply in 2025, expanding its global readership and earning mainstream recognition from major outlets and platform bestseller lists.
  2. The content was heavily investing-focused with a steady cadence of market updates, stock picks, charts, and sector analyses that tracked themes like housing, AI, and the Magnificent 7.
  3. Popular essays challenged common investing myths and emphasized simple, long-term thinking and making financial choices that reflect real-life priorities rather than just spreadsheet metrics.

How Would Fearmongers and Doomers Invest in The Stock Market?

OK Doomer • 151 implied HN points • 03 Jan 25
💰 Finance Investing
  1. Many financial influencers spread fear about economic crashes but offer vague advice, like hoarding cash or buying during dips. It's not very helpful or specific.
  2. These influencers often blame the government for economic issues while ignoring their own role in creating panic. They don't really care about everyday people's financial well-being.
  3. Overall, the advice given is more about generating fear and attention rather than providing real, sound financial guidance. It’s like eating unhealthy protein bars instead of nutritious food.