The hottest Investing Substack posts right now

And their main takeaways
Category
Top Finance Topics

So-Fried

The Last Bear Standing • 72 implied HN points • 22 May 25
💰 Finance Investing
  1. SoFi has changed from focusing on high-quality student loans to riskier personal loans and credit card consolidations. This shift has put the company in a tougher spot than before.
  2. The way SoFi accounts for its loans is unusual compared to other banks, which can create a false sense of financial strength. This method allows them to report higher earnings but exposes them to more risk.
  3. As a bank, SoFi must follow strict regulations that weren't a concern when they were just a tech company. If they don't manage their finances carefully, they could face serious consequences from regulators.

A Zomato 2022 Update: Price, Value and the Gap!

Musings on Markets • 399 implied HN points • 27 Jul 22
💰 Finance Investing
  1. Zomato's stock price was initially high after its IPO but has now dropped significantly due to a mix of poor earnings results and macroeconomic factors. This shows how momentum can affect stock prices.
  2. Despite the challenges, Zomato is still growing and has a strong market share in India's food delivery sector. They have a good amount of cash from their IPO to help them in tough times.
  3. The company is exploring new areas like grocery delivery, but it raises questions about their profitability and strategic focus. Investors need to keep an eye on what's next for Zomato.

The Audacity of it

We're Gonna Get Those Bastards • 6 implied HN points • 28 Dec 25
💰 Finance Investing
  1. Successful people can still fear greater success and often set small, safe goals because they doubt they deserve more.
  2. Big opportunities can trigger paralyzing anxiety where performance depends as much on mental makeup and faith as on technical skill.
  3. Despite the fear, choosing audacity—taking bold actions, enjoying life’s perks, and trusting a higher power—helps you handle uncertainty and keep moving forward.

The video that changed how I think about making money | #37

The Pole • 79 implied HN points • 27 Nov 23
💼 Business Investing
  1. Seeking ownership in businesses can lead to higher financial success.
  2. Outsourcing parts of a business can reduce workload and increase profit, but owning and managing it all can generate more revenue.
  3. Considering private equity and flipping websites can be lucrative ventures, offering opportunities for growth and financial gains.
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$10,000 investments that are now worth $1 million

Jon’s Newsletter • 139 implied HN points • 12 Jun 23
💰 Finance Investing
  1. Investing $10,000 in certain companies can turn into $1 million over time. It takes many years to see such high returns, sometimes even decades.
  2. Companies like Nvidia and Tesla have shown impressive growth since 2013, making them good examples of successful investments.
  3. Investments in well-known brands like Apple, Amazon, and Starbucks over the long term can also yield significant profits. This highlights the importance of patience in investing.

Deciding the Next Research Items

DeFi Education • 779 implied HN points • 12 Aug 21
🔮 Crypto Investing
  1. The next research topic will be about Sushi, and it's happening soon. It's a way to keep readers informed and engaged.
  2. Free subscribers can now suggest research projects, making everyone's voice heard. This helps the community feel involved in the content.
  3. Requests from paid subscribers get priority, but everyone's input is valued. It creates a balance between supporting paid content and considering free members' interests.

Nexus Mutual the Crypto Insurance Project (Part 1)

DeFi Education • 719 implied HN points • 26 Sep 21
🔮 Crypto Investing
  1. Nexus Mutual is a project focused on providing insurance in the cryptocurrency space. It aims to lower the high costs typically associated with traditional insurance agencies.
  2. As more big investors get involved in cryptocurrencies, insurance could become very important for scaling those investments.
  3. The article promises to explore how Nexus Mutual works and its impact on the insurance industry, especially in the context of decentralized finance (DeFi).

Don't be the Bryan Johnson of money.

Neckar’s Notes • 123 implied HN points • 29 Jan 25
💰 Finance Investing
  1. Measuring money can be misleading. When focusing just on a number, like net worth, it can become unimportant and lose its meaning.
  2. Like health, money can dominate your thoughts when you don't have it. But when you do, it often fades to the background.
  3. Don't obsess over extreme methods to gain wealth or health. A simple, balanced approach can be more effective and sustainable.

The VC Corner #1

The VC Corner • 79 implied HN points • 24 Nov 23
💼 Business Investing
  1. European tech startups are experiencing a lot of downrounds, which are when companies' valuations decrease. This is the highest level of such downrounds since 2014.
  2. The VC Corner provides important news and analysis for both seasoned investors and those new to venture capital. It aims to help readers stay informed about the latest trends and updates.
  3. The newsletter offers a 7-day free trial, allowing people to explore its archives and get a sense of the content before subscribing. This is a great way to see if the information is useful for you.

Mining Dashboard Summary 1/12/24

Bitcoin Magazine Pro • 58 implied HN points • 12 Jan 24
💰 Finance Investing
  1. Public miner stocks have seen mixed performance, with an average gain of 33% in the last 30 days.
  2. Bitcoin spot ETFs will create competition for miners in attracting investment from those seeking exposure to bitcoin.
  3. It is predicted that the underlying asset of Bitcoin will outperform miners in the current year.

Circle and Chime Post-IPO Pops Suggest We’re Off to the Races

Fintech Business Weekly • 59 implied HN points • 15 Jun 25
💰 Finance Investing
  1. Circle and Chime recently went public, and their early trading performance suggests a strong market interest in fintech companies right now.
  2. Circle makes most of its money from interest on reserves, but predicting short-term rates is really tricky, which could impact its future performance.
  3. Coinbase has introduced a new credit card that offers users the chance to earn Bitcoin back on purchases, showing how the crypto market is expanding with exciting product options.

Megapost Part #3

Philoinvestor • 98 implied HN points • 04 Jul 23
💰 Finance Investing
  1. Megapost Part #3 on Philoinvestor website with updates on ASOS and investment insights.
  2. Philo shares insights on ASOS narrative versus reality, focusing on the company's financial moves and transformation strategy.
  3. ASOS strengthens balance sheet with new financing, equity raise, and shift to new commercial model for profitability.

What the hell is happening? July 2023

Philoinvestor • 98 implied HN points • 28 Jul 23
💰 Finance Investing
  1. Inflation erodes the purchasing power of money, so be cautious of nominal vs real rates.
  2. The Fed's rate hike strategy lowered inflation, but current economic conditions are not benign.
  3. China is focusing on sustainable growth and market reforms, rather than massive stimulus measures.

💛 Two Quick Points...

The Glenn Meder Newsletter • 98 implied HN points • 12 Mar 23
💰 Finance Investing
  1. Bank runs can happen quickly and be contagious, so it's important to consider how to protect your assets.
  2. Consider diversifying your assets outside of the banking system, such as through crypto or physical gold and silver.
  3. Learn how to protect yourself while shopping online by watching a masterclass replay for powerful information.

The End of ESG?

Anxiety Addiction & Ascension • 98 implied HN points • 03 Jul 23
💼 Business Investing
  1. BlackRock's Larry Fink disowns the term ESG due to its weaponization by different political sides, showing a shift in the discourse in the financial system.
  2. Investors are becoming more critical of woke ideologies impacting businesses, as seen in stock losses by companies embracing certain ideologies.
  3. The potential rebranding of ESG indicates a shift in focus but doesn't eliminate the underlying goals of corporate influence and control.

Why I don't like Transocean.

Philoinvestor • 98 implied HN points • 03 Apr 23
💰 Finance Investing
  1. Offshore drilling sector faced challenges from oil price bust and Covid-19.
  2. Companies like Valaris and Seadrill filed for bankruptcy but restructured.
  3. Transocean is a major offshore driller with a heavy debt load and high interest expenses.

Valaris. Unlocking more value.

Philoinvestor • 98 implied HN points • 11 Mar 23
💰 Finance Investing
  1. Valaris has the largest fleet of rigs and the best balance sheet after relieving itself from massive debt in 2021
  2. Constructive oil price environment is driving major oil companies to allocate capital to offshore projects, benefiting Valaris
  3. Geopolitical tensions and increasing demand for offshore rigs due to supply security concerns are creating opportunities for Valaris

Invite your friends to read Philoinvestor

Philoinvestor • 98 implied HN points • 27 Jul 23
💼 Business Investing
  1. Philoinvestor is launching a referral program for readers to invite friends and get complimentary subscriptions.
  2. Readers can earn special benefits by referring friends to subscribe to Philoinvestor.
  3. Those considering an annual subscription can get a 20% discount on their first year by replying to an email.

Welcome to the AI bubble

The Down Round • 98 implied HN points • 14 Jun 23
🕹 Technology Investing
  1. The AI industry may be experiencing a bubble similar to what the crypto industry went through before.
  2. There are signs of hype and questionable practices in AI, such as companies quickly pivoting to AI and non-experts making bold claims.
  3. Being cautious and vigilant in an AI bubble is important to avoid getting caught up in unrealistic narratives and disconnected market valuations.

Pierre-Damien Vaujour, CEO of Loft Orbital, is making space simple for 2 new $100M+ customers

Ubiquitous Thoughts • 98 implied HN points • 16 May 23
🕹 Technology Investing
  1. Loft Orbital simplifies space access by providing infrastructure for customers to deploy missions on.
  2. The company evolved from physical to virtual missions based on customer needs for accessible space deployment.
  3. Pierre-Damien Vaujour emphasizes the importance of talking to customers, iterating product features, and being inspired about exploration in his professional and personal life.

Why are stocks not dropping?

Philoinvestor • 98 implied HN points • 12 Apr 23
💰 Finance Investing
  1. Comparing bond yields to stock earnings yields may not be the same due to real vs. fixed assets
  2. Real assets like businesses can adjust to inflation, unlike fixed assets like bonds
  3. Investors feel the need to invest in assets that can beat inflation and create value

The Three Types of Money Behind Silicon Valley's Rise to Dominance

The Future, Now and Then • 110 implied HN points • 25 Feb 25
💰 Finance Investing
  1. Silicon Valley's success relies on three types of money: government contracts, product revenues, and speculative investments. Each plays a different role in funding and shaping tech companies.
  2. Many tech stocks are driven by 'vibes' rather than actual profits. This means their value can fluctuate wildly based on investor sentiment instead of real financial performance.
  3. When speculative finance overshadows the real production of goods and services, it can lead to an unstable economy. Companies need a balance of funding sources to grow healthily and sustainably.

The Unholy Trinity of Venture Capital

Investing 101 • 161 implied HN points • 16 Nov 24
💼 Business Investing
  1. Venture capital is changing a lot because of three main players: agglomerators, allocators, and absorbers. These groups shape what venture capital looks like today.
  2. Agglomerators raise huge amounts of money and focus on making profits from fees. They often manage many investments at once and aim to control more resources.
  3. Large funds often attract institutional investors looking for steady returns, but this can lead to competition for fewer investment opportunities, making it tough for smaller funds to succeed.

What is financial leverage?

Concepts of Finance 🧠 • 139 implied HN points • 13 Jul 23
💰 Finance Investing
  1. Financial leverage is when you borrow money to invest, potentially increasing both your profits and risks. It's like using a loan to buy a house, where you hope the value rises higher than what you owe.
  2. Different people and companies use leverage for various reasons, like individuals buying homes, companies expanding operations, or investors trying to make bigger profits in the stock market. But with the chance of higher gains comes the risk of bigger losses.
  3. The financial leverage ratio helps assess how much debt a company uses compared to its own money. A high ratio can mean a company is at risk if it can't pay back its debts, while a low ratio might suggest it's in a safer position.

Networked Conviction 001

Investing 101 • 4 implied HN points • 12 Jan 26
💰 Finance Investing
  1. Publishing weekly builds a habit and keeps you focused on consistency instead of chasing perfection.
  2. Having paying readers creates accountability and pushes the writer to produce more serious, unfiltered research and thinking.
  3. The newsletter serves three purposes: portfolio updates, Requests For Startups, and generating investing ideas, lessons, and frameworks.

Drawdowns Will Happen

Spilled Coffee • 48 implied HN points • 23 Jul 25
💰 Finance Investing
  1. Drawdowns in investments are inevitable, meaning at some point, your portfolio will likely drop in value. This happens to every investor, so be ready for it.
  2. Long-term investing often includes dealing with painful drawdowns, which can test your patience and confidence in your strategy. It's important to not allow fear to make you question your decisions during these times.
  3. To prepare for drawdowns, have cash on hand, understand your investment timeline, and base your decisions on how much risk you can handle. Remember, volatility is a normal part of investing.

Alchemix Overview - Part 1 of 2

DeFi Education • 679 implied HN points • 06 Oct 21
🔮 Crypto Investing
  1. You can deposit DAI to create alUSD, which is a type of stablecoin. This helps you use your assets in a more flexible way.
  2. The yield from your collateral goes to pay off your advance automatically, making the process easier for you. You don't have to worry about repayment.
  3. Alchemix is a smaller market cap project compared to others, but it has interesting features that may appeal to users looking for innovative DeFi solutions.

We need to talk about Nvidia.

Jon’s Newsletter • 199 implied HN points • 20 Feb 23
💼 Business Investing
  1. Nvidia has become a leader in AI hardware because their chips are powerful and in high demand. This change began when they opened up to the AI community and built partnerships with big companies.
  2. Microsoft's investment in OpenAI and the success of ChatGPT have boosted interest in Nvidia's stock. More companies are now investing in AI, which also helps Nvidia's sales.
  3. Despite past challenges and some competition, many analysts believe Nvidia is well-positioned for future growth in the AI market. Their strong reputation and market share give them an advantage.

The Inception of Acheel.com

Venture Prose • 419 implied HN points • 05 Jan 22
💼 Business Investing
  1. Acheel.com achieved over €10M in annual revenue in just 6 months with an 86 NPS, utilizing a unique strategy.
  2. Forming strong, genuine relationships with founders is crucial for investors to make a true impact.
  3. Despite initial challenges and doubts, Acheel.com has thrived, demonstrating the importance of perseverance and vision.

My Investing Philosophy

Spilled Coffee • 124 implied HN points • 29 Jan 25
💰 Finance Investing
  1. Reading investment books helped shape my investing strategy over time. It's important to learn from different sources and experiences.
  2. I consistently invest in an S&P 500 index fund every month. This approach has helped me stay focused on long-term growth without getting caught up in market fluctuations.
  3. Having a high conviction strategy means holding onto a few strong stocks instead of constantly buying and selling. Patience has often led to better investment outcomes for me.

Phoenix Rounds

Equal Ventures • 59 implied HN points • 03 Jan 24
💼 Business Investing
  1. Phoenix Rounds refer to unique investment opportunities where struggling companies pivot drastically to build something new and stronger with investor support.
  2. These rounds offer a chance for investors to deeply engage with founders, understand their potential, and collaborate on innovative business plans.
  3. Investing in Phoenix Rounds requires vision, patience, and the willingness to see hidden potential in companies facing significant challenges.

Zenly & BeReal : What Do They Have In Common ?

Venture Prose • 339 implied HN points • 30 Mar 22
💼 Business Investing
  1. Successful mobile social consumer apps like Zenly and BeReal have deeply invested Founding Product CEOs who are intentional and growth-minded in their execution.
  2. The CEOs of Zenly and BeReal are deeply rooted in their narratives and are obsessed with realizing their aspirations, even through challenges and discouragements.
  3. Both Antoine and Alexis prioritize principled obsession regarding their mission, leading with honest and caring principles that inspire those around them.