Mo Haghbin They're a conglomerate. Underneath that, there's several companies, and those companies underneath are not necessarily correlated. So like let's take Apple for example. You know they have hardware. They have you know, things like wearables, they have software. These things are actually not as correlated as you think. And maybe 20 years ago those would all be independent companies. For me, I think short term that I think will probably continue and markets will rally because of it.Mo Haghbin I mean ...

Core Insights - MongoDB is set to announce its earnings on December 1, 2025, with a current market capitalization of $27 billion and reported revenue of $2.2 billion over the last twelve months, alongside operational losses of $165 million and a net income loss of $79 million [3] Earnings Analysis - Historical data shows that over the past five years, MongoDB has recorded 20 earnings data points, resulting in 11 positive and 9 negative one-day (1D) returns, translating to a positive return rate of approximately 55%. However, this rate drops to 50% when focusing on the last three years [9] - The median for the 11 positive returns is 19%, while the median for the 9 negative returns is -11% [9] Trading Strategies - Traders can adopt two approaches: understanding historical probabilities to position themselves ahead of the earnings announcement or analyzing the relationship between immediate and medium-term returns following earnings to adjust their positions accordingly [4] - A relatively lower-risk strategy involves comprehending the correlation between short-term (1D) and medium-term (5D) returns after earnings, allowing traders to take a "long" position for an additional 5 days if the 1D post-earnings return is favorable [7]

Core Insights - The timing of retirement significantly influences financial planning and investment strategies, with younger individuals advised to invest in higher-risk assets while older individuals may need to adopt a more conservative approach [4][3][2] Investment Strategies - Younger investors, such as those aged 45, can benefit from leaving their 401(k) invested in higher-risk assets like an S&P 500 fund, potentially accumulating around $9.1 million by age 67 at an average market return of 11% [1] - As life expectancy increases, financial advisors may recommend maintaining a stock-heavy portfolio into the mid-60s, allowing time for recovery from market downturns [2][3] - A general rule suggests that the further one is from retirement, the more aggressive the investment strategy can be, shifting to a more conservative approach as retirement approaches [3][4] Retirement Planning - Key elements of retirement planning include income allocation, tax planning, and spending balance, with a focus on generating fixed income from savings and Social Security benefits [5][6] - For example, a 63-year-old earning $100,000 annually and saving $20,000 per year could potentially accumulate $1.75 million by age 70, generating annual income of $70,000 at a 4% withdrawal rate [7] Managing 401(k) Post-Retirement - Upon retirement, individuals have several options for managing their 401(k), including keeping it in place, rolling it into an IRA, converting it to an annuity, or considering Social Security benefits [10][13][15][17] - Rolling over to an IRA allows for greater control over investments and potential elimination of management fees associated with a 401(k) [13][14] - Annuities provide guaranteed monthly payments but may lose value against inflation and lack growth potential [15][16] Social Security Considerations - Social Security benefits are influenced by lifetime earnings and the age at which benefits are collected, with full benefits available at age 67 [18][19] - The average Social Security benefit is currently $1,976 per month, translating to $23,712 annually, with variations based on the age of collection [20][21] Long-Term Financial Planning - Effective retirement planning must account for taxes, inflation, and longevity, with strategies to mitigate the impact of these factors on retirement savings [22][24] - It is essential to plan for potential expenses such as long-term care and to ensure that savings last throughout retirement, potentially into the mid-90s [24][25]

Core Insights - The importance of asset allocation in investment portfolios is highlighted, emphasizing that market fluctuations can lead to unintended shifts in the asset mix [1] - Rebalancing is essential for maintaining the desired risk profile and involves selling appreciated assets to buy underperforming ones, although it may not always enhance returns [2] - The article discusses the need to assess the current asset allocation, particularly the balance between stocks and bonds, and the exposure to international versus U.S. stocks [3][4] Group 1: Rebalancing Strategy - Rebalancing helps maintain the intended asset allocation, which may shift significantly over time, such as a portfolio moving from 60% stocks and 40% bonds to over 80% stocks [3] - The article suggests that a reasonable strategy is to keep about one-third of equity exposure in international stocks to align with global market standards [4] - It notes that growth stocks have significantly outperformed value stocks recently, indicating potential imbalances in stock types within portfolios [4] Group 2: Tax Considerations - Adjustments to the portfolio should focus on the overall asset mix rather than individual accounts, with tax-deferred accounts being the most tax-efficient for rebalancing [5] - In taxable accounts, strategies such as offsetting realized capital gains by selling holdings with unrealized losses can be employed, although this may be challenging due to a strong market [6] - The article points out that certain categories, like India equity and real estate, have posted losses, which could present opportunities for tax-loss harvesting [6]

Oracle stock dropped -29% in the previous month. You may feel inclined to increase your investment, or you might consider decreasing your exposure. However, there is a completely different viewpoint you could be overlooking. Is there a superior alternative? It appears that its counterpart, Adobe, offers more.SAN FRANCISCO, CA - OCTOBER 22: Oracle co-founder and Chairman Larry Ellison delivers a keynote address during the Oracle OpenWorld on October 22, 2018 in San Francisco, California. The Oracle co-founde ...

Core Insights - Opendoor Technologies (OPEN) stock surged over 200% in the past three months, primarily due to a significant increase in the P/E ratio despite an 8.9% decline in revenue [2][3] - The stock's rise was influenced by several key developments, including a CEO transition, national expansion plans, investments in AI, and fluctuations in earnings [2][3] Developments Impacting Stock Performance - Q2 Earnings Beat: In August 2025, Opendoor surpassed Q2 revenue projections and recorded its first adjusted EBITDA profit since 2022, leading to a stock increase [9] - New CEO Appointment: In September 2025, Kaz Nejatian was appointed as CEO, with an insider purchasing $1 million in stock, indicating confidence in the company's direction [9] - National Expansion: Also in September 2025, the company announced plans to extend its services throughout the entire continental U.S. [9] - Q3 Earnings Miss: In November 2025, Opendoor fell short of Q3 EPS expectations, reporting -$0.12 versus the expected -$0.07, which led to a decline in stock value [9] - AI/Software Focus: In November 2025, the company shifted towards a software and AI-oriented model, aiming for profitability by the end of 2026 [9]

Group 1 - Shopify has been a favorite in the e-commerce market, but AppLovin may offer better growth potential at a lower valuation [2][3] - AppLovin shows greater revenue and operating income growth compared to Shopify, despite having a lower Price to Operating Income ratio [3] - The current discrepancy between AppLovin's valuation and performance suggests it may be a more attractive investment option than Shopify [3] Group 2 - A year-over-year analysis of key metrics may indicate whether Shopify's stock is overvalued compared to its competitors [6] - Persistent underperformance in Shopify's revenue and operating income growth could confirm that its stock is overpriced relative to peers [7] - The analysis of additional metrics is essential for a comprehensive investment assessment, which informs portfolio strategies [8]

Group 1 - The primary goal for long-term retail investors is to build wealth over an extended period to achieve financial goals such as secure retirement or buying a home [1] - Asset allocation is essential for diversification and long-term success, requiring investments across different asset classes like stocks, bonds, and cash [2] Group 2 - Eli Lilly (NYSE: LLY) develops and manufactures drugs across various therapeutic areas, including notable products like cancer drug Verzenio and diabetes drug Jardiance, with a strong pipeline in oncology, immunology, and neuroscience [4] - Eli Lilly is expanding the use of its GLP-1 drugs for new conditions and developing next-generation therapies, including orforglipron, a once-daily oral GLP-1 agonist expected to be submitted for regulatory approval by the end of 2025 [5][6] - The company is also working on retatrutide, an injectable triple-agonist, with promising phase 2 results for weight loss, and late-stage results expected before the end of 2025 [7]

Core Insights - The deal between Morgan Stanley and Equity Zen aims to enhance access to private markets for a broader range of investors, addressing the challenges of wealth creation and liquidity for employees in private companies [1][4][12] Group 1: Market Trends - Private markets are experiencing significant growth, with the average duration a company remains private increasing from five years to 14 years over the past two decades [2] - This trend presents challenges as average investors are often excluded from early-stage investments, which are primarily accessible to institutional investors and venture capitalists [3] Group 2: Strategic Rationale - The combination of Morgan Stanley's extensive client base, with $7 trillion in assets and 20 million clients, and Equity Zen's private market offerings creates a unique opportunity to connect demand and supply in the private market ecosystem [5] - The integration of these firms is expected to professionalize the private market segment, enhancing investor protections and aligning with Morgan Stanley's overall risk management framework [8][10] Group 3: Client Demand and Risk Management - There has been a substantial increase in demand for private market access, with Morgan Stanley aiming to extend these opportunities to its entire client base, including nearly one million clients from Equity Zen [12][13] - The firm emphasizes the importance of risk management, suggesting that private market investments should constitute about 10-15% of an overall portfolio, depending on individual risk profiles [11][15]

Core Insights - The articles primarily focus on the gold market and the offerings from Sprott, a company involved in precious metals [1][2]. Group 1: Company Overview - Sprott is involved in the trading and investment of gold, specifically offering 1000g gold bars with a purity of 999.9 [1][2]. Group 2: Market Context - The articles do not provide specific market trends or data related to gold prices or market performance, focusing instead on Sprott's product offerings [1][2].