if i look back, i am lost
Claire Keane
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@moneymire
Tech and the doom-prepping mania
Until not very long ago, doom prepping was only heard in some scary science fiction. Worse, doom preppers were largely seen as insecure apocalyptic insurers straight out of a Stephen King thriller. No longer. Doom prepping is now business as usual in Silicon Valley. So much so that tech czars are getting ready for the doomsday as never before. Why are tech billionaires feeling overwhelmed by an…
ETF proliferation is a red flag
Active exchange-traded funds are on a roll. More so in the fixed- income segment. These surging ETFs are fast reshaping the market. They are set to make the market hit the $5tn mark in the next five years. Market pros are betting on the ability of active ETFs to lift the indices. The speedy rise of active ETFs is turning many investment aces into major ETF aficionados. So much so that BlackRock’s…
11 lessons from the new meme-stock rally
Meme stocks are back with a bang. So loud was the bang that even strongest stocks turned into whispers on July 24th. Thanks to their deafening return, the new meme stocks have 11 great lessons for investors. The lessons can be appreciated only if investors realise that it is not the sectors that are making a return, but a handful of meme stocks are. These stocks are now riding on the backs of…
The revenge return of meme stocks
Meme is fast becoming a popular word in investors’ lexicon. It was anyway a curiosity-evoking term when GameStop had its dream run in 2021. Now, the meme word is catching on fast and frenzily as the three new meme stocks did on Wall Street on July 24th. The three – Kohl’s, Krispy Kreme and GoPro – set most meme-stock investors’ imagination on fire. What is this new meme-stock frenzy is all about?…
An anatomy of the Jane Street jolt
Ever since the American quant Jane Street Capital was asked by SEBI, the Indian securities regulator, to disgorge its illegal gains of Rs 4,843 crore ($570m), there has been one poser uppermost in the minds of many. What did Jane Street do and how did the quant do what it is alleged to have done? Avoid the temptation to dismiss the question as purely academic. Just start finding answers. More so…
Strategies to stay safe even in Jane Street-like turmoil
Owning a hedge fund is not a big deal. Get hold of some ace infotech men, use their algos, begin sifting through piles of fin data and fundamental sets of figures. You have arrived as a duly designated quant. Begin swearing by those algos, computer codes and programs. You are all set to process now heaps of data enviably fast. Your algos give you the speed, that speed gives you the strength and…
Games storied quant traders play
America’s Jane Street Capital has many superlatives to its credit. It is the most secretive quant trading firm in the United States. That may be disputable, nevertheless. On July 3, Jane Street earned yet another distinction of being asked by the Securities and Exchange Board of India, aka SEBI, the Indian markets regulator, to spew out illegal gains of a record Rs 4,843 crore ($ 570m). Jane…
Finding the best money advice in the Reddit haystack
Reddit is witnessing a surge in personal-finance threads. This is a sign of Reddit becoming a major money-advice platform as well. Ever since Reddit started its community r/personalfinance in February 2009, it has been growing gradually into a go-to social space for money advice. More so because Reddit has a sure edge over other platforms. In Reddit, you can not only find solutions for your…
The pains behind Reddit’s popularity
Turning to Reddit for money tips might have been unthinkable until a few years ago. That is history now. As pressures of personal finance continue to rise, demand for chatty platforms for discussing money has been on the rise for quite some time now. The subreddit r/personalfinance has been around since February 2009. But Reddit’s popularity as a popular money-friendly platform is a phenomenon…
Be prepared for FICO dangers and downsides
Lenders across the United States swear by the FICO score. It has been their gold standard since 1956. Equally venerated by American borrowers, the FICO score has ruled the world of banking and consumer credit for nearly seven decades now. So much so borrowers and other users of credit have always desired for a good FICO score, perhaps something closer to the top-notch idealistic 850. For…
The credit scores that sound hollow
Credit scores are becoming increasingly algorithmic. Any info that is personal is grist to the credit-score mill. As the business of personal loans grows fast, demand for credit score too is rising rapidly. There is a mad scramble out there to gather data pertaining to the personal lives of potential borrowers. Sure, robust data and reliable credit scores can transform the lives of borrowers.…
The brewing returns tragedy of tomorrow
Long spells of flat market returns are not new for the S&P 500 index. At least three long bearish spells come to mind at once. After the 1929 peak, the market took 27 long years to hit a new high in inflation-adjusted returns. A new high then was after the 1968 peak, when the market took 24 years to see a new high. Again, a new high was after the 2000 peak and the market took 14 years. Worse,…
The perils of the solitary Shiller
The question whether the market is overvalued or not dogs most investors to no end. More so after the huge popularity of index funds. As investors believe in the ability of these passive funds to outperform active funds over longer timeframes, they are smitten by index funds. Yet all is not well with them. A majority of index funds end up as duds over the long haul. The reasons are obvious: high…
Litigious legatomaniacs in the limelight
Getting rich faster has been the favourite obsession of the young for long. One indication of that obsession can be found on the top-seller shelves of bookstores. They sport get-rich titles authored by people who got rich and eager to share their secrets. As the restless young discover that buying these tomes do not make them rich, they are shifting their focus to legacies. Desperate and driven,…
Who cares for the carers and their allowance?
Inexplicably, it has taken years for the Department for Work and Pensions to realise that ‘something has gone very wrong.’ This shock realisation is too late and too little. More so because UK’s harrowed carers have been drowning in debt for years. Their so-called crime: they cared for their near and dear. The number of such ‘criminals’ run into thousands. They are all wallowing in induced…
How a minor benefit mutated to become a major scandal
Cliff-edge rules governing Britain’s carer allowance overpayment system make the carer earnings look like sin money. Carers who exceeded their weekly thresholds by 30 pence to GBP 15 have been made to pay 1,000 times that excess. There are carers, who earned just GBP 2,000 more than the allowed limit, made to pay as much as 700 percent of their earnings. These are not stray instances. Injustice…
Lo and behold, the next Lehman is out there
Lehman Brothers might pale before modern-age scammers who seem to have perfected the art of looting. In 2008, Lehman was America’s nastiest financial crisis. But scams that are happening today make Lehman look like child’s play. So much so that some of these scams have the potential to drill holes into exchequers and make governments bankrupt. Bail-outs could save all those stricken, but the…