The hottest Investments Substack posts right now

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Free Money

The Odin Times • 19 implied HN points • 18 Jun 23
💼 Business Investments Startups Taxation
  1. SEIS and EIS schemes in the UK offer tax relief for investing in startups, making government schemes ideal for angel investors.
  2. Investors can get up to 50% of their investment back as tax relief, and pay no capital gains tax on profits, de-risking the investment.
  3. SEIS and EIS have driven growth in the UK startup ecosystem and helped make the UK an attractive country for angel investors.

Lawler: Update on American Homes for Rent (AMH)

CalculatedRisk Newsletter • 19 implied HN points • 27 Feb 24
💰 Finance Real Estate Investments Rental market Inflation Earnings
  1. American Homes for Rent (AMH) saw a decline in occupancy rate last quarter, contrasting with Invitation Homes.
  2. The average monthly rents of INVH and AMH seem to lead the CPI's Rent of Primary Residence by about two quarters, and rent growth has remained above the overall inflation rate.
  3. Rental inflation remains elevated for many single-family renters despite certain limitations in the rent trend comparisons and geographic focuses of these companies.
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Big Changes Are Coming to FIN!

James Ledbetter's FIN • 15 implied HN points • 25 Feb 24
💼 Business Fintech Investments Technology Media Finance
  1. Big changes are happening to FIN, with new editorial leadership and a vision for cross-platform expansion in the fintech industry.
  2. Investors are showing interest in fintech companies like Eigen Labs securing significant funding for innovations like restaking protocols and dub platform for copy trading.
  3. AI-driven fintech and regtech companies like Napier AI are experiencing growth through substantial funding to enhance compliance and security measures.

Illumina: Unidentified Financing Operation?

Nongaap Investing • 30 implied HN points • 22 Aug 23
💰 Finance Investments Governance Insider trading Mergers & Acquisitions
  1. Milky Way Investments Group's $125 million investment may have been used to benefit Illumina insiders through undisclosed shares and influence in Grail's Series D round.
  2. Dr. Klausner's ownership of Grail shares through Milky Way Investments Group raised concerns about undisclosed insider transactions and potential conflicts of interest.
  3. The intertwining relationships between Helix, Grail, and Illumina, as well as the modifications of options and redemptions, suggest possible non-disclosed financial dealings and self-dealing among insiders.

Clouded Judgement 11.1.24 - Amazon, Google, Microsoft & Meta on AI and CapEx

Clouded Judgement • 6 implied HN points • 01 Nov 24
💼 Business AI Investments Earnings Reports
  1. AI is becoming a big money maker for companies like Microsoft and Google. They're seeing huge increases in AI-related usage and revenue.
  2. Big tech companies are planning to spend a lot more on capital expenditures (CapEx) in the next year. This means they're investing heavily in technology infrastructure to support their growth.
  3. Interest rates have gone up recently, changing how investors view future growth. They're now expecting fewer rate cuts from the Federal Reserve.

Despite a profitable 2021, expect higher deductibles and premiums in Aetna's health plans for 2022.

HEALTH CARE un-covered • 79 implied HN points • 15 Feb 22
🏥 Health Politics Health care Insurance Investments Market Trends
  1. Aetna's health plans will have higher deductibles and premiums in 2022, which can make healthcare more expensive for customers. Even though they made money in 2021, people will likely pay more out of pocket.
  2. Even with big profits last year, investors are worried about how CVS/Aetna will perform this year. They became anxious after the company slightly lowered its cash flow expectations, leading to a drop in stock prices.
  3. Enrollment in Aetna's health plans has declined over the years as premiums increased. Many companies are offering less coverage, forcing people to pay more themselves instead, while the company focuses on boosting investor profits.

From Monte Carlo to Stockholm

HackBoyFly • 1 HN point • 17 Jul 24
💰 Finance Investments Simulation Real Estate Data Analysis
  1. Using a Monte Carlo Simulation can help estimate a wide range of potential outcomes when making investment decisions like buying an apartment in Stockholm
  2. Historical data, mean annual returns, and standard deviations are crucial inputs for simulations to introduce randomness and variability to financial projections
  3. Visualizing simulations through charts can provide insights on possible outcomes, such as optimistic and pessimistic scenarios, aiding in making informed decisions about investments

Illumina: Fraud by Omission

Nongaap Investing • 32 implied HN points • 18 May 23
💼 Business Fraud Insider trading Accounting Investments Legal issues
  1. Fraud by omission is a significant concern in the case of Illumina insiders and their financial windfall on Grail.
  2. By omitting material facts, Illumina insiders potentially misled investors and reaped undisclosed financial windfalls.
  3. The use of cost method accounting instead of equity method accounting may be seen as a form of fraud by omission, allowing for undisclosed financial benefits.

Homecoming for Big Tech Boys

Sector 6 | The Newsletter of AIM • 19 implied HN points • 11 Jan 23
💼 Business E-commerce Tech industry Global Trade Regulation Investments
  1. The 2018 FDI policy in India faced major challenges for companies like Flipkart and Amazon, making it harder for them to control inventory.
  2. In 2020, Jeff Bezos visited India to announce new investments, but the government seemed uninterested as he couldn't meet Prime Minister Modi.
  3. Around the same time as Bezos' visit, India's antitrust regulator began investigating Amazon and Flipkart, highlighting concerns about their business practices.

A Skeptic’s Guide to Tech Hype

Kibao • 1 HN point • 12 Jun 24
🕹 Technology Innovation Skepticism Impact Future Investments
  1. Hype is a double-edged sword in tech innovation - it can drive attention but also derail resources.
  2. Judging tech solely on hype can miss its real impact - tech can be influential even if it doesn't meet hyped expectations.
  3. Tech hype acts as both a bug and a feature, pushing innovation forward while also risking distraction - maintaining diverse research and ideas is key.

2023: Three Predictions

Tech Ramblings • 19 implied HN points • 08 Jan 23
🕹 Technology AI Crypto Startups Machine Learning Investments
  1. Crypto is likely to struggle moving forward. Many projects turned out to be less valuable than they promised, and the hype around crypto is fading.
  2. AI technology is expected to keep growing. New tools and applications are popping up, and understanding machine learning will be key for future job opportunities.
  3. The startup scene is going to get tougher. Companies will face more challenges, especially those with inflated valuations, but there will also be chances for new, innovative startups to succeed.

Negotiating better offers [Finance Fridays]

Technology Made Simple • 19 implied HN points • 01 Jul 22
💰 Finance Negotiation Investments Personal Finance Career Advice
  1. Prepare for negotiations before receiving offers by researching compensation bands and matching skills to desired industries.
  2. Organize interviews with companies in similar compensation bands to potentially receive offers around the same time.
  3. Don't hesitate to ask companies to wait for your decision if you are waiting on other offers to compare.

Issue #101: Capital One To Buy Discover For $35.3b, Monzo Eyes £4b Valuation, And FairMoney In Talks To Buy Umba

Fintech Radar • 6 implied HN points • 28 Feb 24
💼 Business Fintech Investments Acquisitions Startups Compliance
  1. Capital One's acquisition of Discover for $35.3 billion aims to boost competitiveness in the payments network but may face regulatory challenges due to concerns about bank consolidation.
  2. Monzo's potential £4 billion valuation in a funding round signifies ongoing investor interest in neobanks adapting to profitability and growth in the consumer fintech market.
  3. FairMoney's talks to buy Umba in a $20 million deal show a trend of consolidation in fintech markets like Africa, where companies navigate challenges to serve a growing demand for digital financial services.

Issue #97: PayPal Fails To Excite The Market With Its New Features, TikTok Wants Every Post To Be Shoppable, And Klarna Drops A Subscription Product

Fintech Radar • 6 implied HN points • 31 Jan 24
💰 Finance Fintech Payments Subscription Mergers & Acquisitions Investments
  1. PayPal failed to impress the market with its new features, losing momentum after an initial spike in stock value.
  2. TikTok is testing a feature to make every post shoppable, aiming to boost its e-commerce business with enhanced shopping experiences.
  3. Klarna introduced a $7.99 subscription plan 'Klarna Plus' to generate recurring revenue as it gears up for its IPO, reflecting mixed opinions on the BNPL industry.

5/23/22: 2022 Q1 Chinese VC/PE Update & Overseas Investments Summary

Tech Buzz China Insider • 19 implied HN points • 24 May 22
💼 Business Venture Capital Investments Market Analysis Government Policies Financial trends
  1. The 2022 Q1 Chinese VC/PE Update shows a significant decrease in early-stage investments in China, while the US saw increases in most aspects except for the number of exits.
  2. The majority of Chinese investment dollars went to the US, followed by India and Singapore, with a noticeable decline in investments in Latin America, Australia, and Africa.
  3. Over half of the number of investments from China in overseas markets were in early-stage (seed B) investments, with the top sectors being healthcare, blockchain, and fintech.

What's the ROI of R&D?

Brick by Brick • 18 implied HN points • 13 Feb 23
💼 Business Finance Technology Product Management Investments Startups
  1. Establish concrete business outcomes for R&D investments before making them
  2. R&D organizations should be able to articulate investments and outcomes in terms of business metrics like net new ARR and sales efficiency
  3. Maximizing R&D pre and post PMF involves investing strategically in product features that align with market needs and drive incremental value

Finding the Right Burn Rate for Pre-Seed Companies - The Relationship Between Burn Rate and Graduation Rate for Our First 150 Pre-Seed Investments

Venture Reflections • 12 implied HN points • 17 May 23
💼 Business Investments Startups Data Analysis Venture Capital Financial trends
  1. Successful pre-seed companies spend more money per month than unsuccessful ones.
  2. The difference in average monthly burn rates between successful and unsuccessful companies is small since 2016.
  3. Spending more money is likely an effect, not the cause, of success in finding product-market fit.

Issue #76: The UK Wants To Drop £1b On Late Stage Fintech Startups, Nubank Posts Record Revenue And BitGo Secures The Bag

Fintech Radar • 8 implied HN points • 22 Aug 23
💰 Finance Fintech Investments Banking Regulation Crypto
  1. The UK is investing heavily in late-stage fintech startups with a £1 billion fund.
  2. Investors are cautious about valuing FinTech companies due to global economic concerns.
  3. Nubank has achieved record revenue growth and increased customer base, while BitGo has secured a significant funding and valuation.

Issue #82: Apple Explores Open Banking In The UK, Ant Group Launches A Pan-Asian Mobile Wallet, And Nova Credit & HSBC Collaborate on Cross-Border Credit Sharing

Fintech Radar • 6 implied HN points • 02 Oct 23
💰 Finance Fintech Banking Payments Investments Regulation
  1. Apple introduces feature allowing UK users to view bank account balance via Apple Wallet using Open Banking APIs.
  2. Ant Group expands payment ecosystem for Asian e-wallets through Alipay+ Program, enabling seamless mobile payments.
  3. Nova Credit partners with HSBC UK to offer credit card for immigrants, leveraging international credit history for new customers.

Launch: Short-term energy, big time results

DruGroup • 19 implied HN points • 07 Sep 21
💼 Business Leadership Management Entrepreneurship Opportunities Investments
  1. Launching something means putting quick effort into helping others start without planning to take over. This can empower them to take charge themselves.
  2. When you launch, you should use resources like time, money, and energy to support the project. It's all about investing without owning it long-term.
  3. It's important to set a clear time limit for your involvement in a launch. This helps prevent taking on too much responsibility and allows others to step in when needed.

Managing private equity portfolios

Klement on Investing • 2 implied HN points • 13 Feb 24
💰 Finance Investments Private Equity Risk management
  1. Private equity managers have unique challenges in balancing portfolio concentration for high returns and diversification to manage risk.
  2. Private equity portfolio characteristics differ from those of listed equity funds, with smaller, riskier holdings often generating the most alpha.
  3. Performance in private equity is less about individual deals and more about portfolio construction, where fund manager skill plays a significant role.

Breaking down Databricks $500 Million Funding Raise

Machine Economy Press • 3 implied HN points • 19 Sep 23
💼 Business Funding Tech Companies Investments Startups IPO
  1. Databricks raised over $500 million with a valuation of $43 billion in a Series I funding round.
  2. Nvidia is backing multiple AI startups with significant investments, including Databricks, showcasing its commitment to the future of AI.
  3. Databricks, a mature and profitable startup founded in 2013, is likely to go public in 2024 or 2025, competing with Snowflake in the enterprise AI space.

Tales from the Silicon Valley Bank Collapse

James Ledbetter's FIN • 5 implied HN points • 12 Mar 23
💰 Finance Banking Cryptocurrency Regulation Investments Economics
  1. Silicon Valley Bank's collapse affects more than just its customers, causing ripple effects in the financial system.
  2. New York State considers ETH a security, adding complexity to crypto regulation.
  3. FTX debtors file a lawsuit seeking $9 billion from Grayscale Investments, highlighting ongoing challenges in the crypto industry.

The Unwinding Reliance on China

Spilled Coffee • 4 implied HN points • 22 Feb 23
💼 Business Global Economy Investments Companies Trade Stock Market
  1. Global companies are reducing reliance on China for production by moving to other countries like India, Vietnam, Thailand, Malaysia, and Bangladesh.
  2. Investors are reconsidering their strategic allocation to Chinese assets and countries heavily reliant on Chinese exports.
  3. Major investors and institutions are steering clear of China, indicating a shift away from Chinese investments.

🌊 200% increase in blue economy investments

paxtier • 1 implied HN point • 18 Mar 24
🔬 Science Investments Aquaculture Biotechnology
  1. There has been a 200% increase in investments in the blue economy between 2018 and 2022, signifying a growing interest and momentum.
  2. Challenges in the sector include a massive global unmet financing gap, concentration of investments at market launch phase, and investor hesitancy.
  3. Recent developments highlight collaborations in seaweed cultivation, funding raises for startups like KAS, and advancements in sustainable aquafeeds.

Why should Indian VCs look towards Europe?

Kaul Center • 2 implied HN points • 05 Dec 23
💼 Business Venture Capital Investments Entrepreneurship Startups Global expansion
  1. Indian VCs should consider investing in Europe due to the growing opportunities and momentum there.
  2. Indian VCs have started branching out to other regions like the US, South East Asia, and the Middle East, but Europe has been somewhat overlooked.
  3. Europe offers massive potential for investment, with success stories in various sectors like climate tech, deep science, bio tech, and AI, making it an attractive market for Indian VCs.