bigjom jom / Shutterstock.com One of the most important things to remember is that if you want to build up wealth, it's different than retirement income, and if you're on the former side, you want to start accumulating money now. If you're trying to live off your portfolio now, volatility can become highly personal, as a 20% drop in the market over time isn't a buying opportunity, it's actually the money you need for rent and living. Quick Read A 20% market drop threatens retirees who rely on portfoli ...

Group 1 - Veeva Systems Inc. (VEEV) was selected as a software pick for 2025 and was outperforming in the first six months of the year [1] - Amrita leads a boutique family office fund in Vancouver, focusing on sustainable, growth-driven companies that maximize shareholder equity [1] - The fund aims to break down financial jargon and complex macroeconomic concepts into easily digestible formats, promoting financial literacy [1] Group 2 - Amrita has experience in high-growth supply-chain start-ups and has worked with venture capital firms to enhance user acquisition [1] - Her newsletter, The Pragmatic Optimist, has been recognized as a top finance newsletter and aims to share investment ideas on Seeking Alpha [1]

Core Insights - HEINEKEN has launched its EverGreen 2030 strategy to accelerate growth in the beer category, which is expected to recover despite current challenges from COVID and inflation [1][2][3] - The beer category captures 42% of consumer spending on alcohol, indicating significant growth potential through innovation and technology [1][4] Growth Acceleration - The beer category is projected to grow volume by approximately 1% per annum, with HEINEKEN well-positioned to capitalize on this through its global footprint and strong presence in both developed and emerging markets [4][13] - HEINEKEN is focusing on 17 key growth markets and aims to strengthen its leadership in 50 markets where it already holds strong positions [4][5] Brand and Innovation Leadership - HEINEKEN is a leader in premium and non-alcoholic beer segments, with innovations like the next generation of 0.0 beer under the Heineken brand [5][12] - The company is expanding its brand portfolio and innovations in low and no-alcohol segments to meet evolving consumer trends [5][10] Productivity Enhancement - HEINEKEN achieved over €3 billion in gross savings under its previous strategy and aims for an additional €400-500 million in annual gross savings moving forward [6][9] - The company plans to double the size of HEINEKEN Business Services to enhance productivity and operational efficiency [7][8] Digital Transformation and Sustainability - HEINEKEN is investing over €1 billion in its Digital Backbone to transform operations across more than 70 markets [9][10] - The company is committed to sustainability, updating its water efficiency target to below 2.6hl/hl by 2030 and reaffirming its net zero carbon emissions goal by 2030 [13] Financial Ambitions - HEINEKEN expects mid-single-digit organic net revenue growth, with organic operating profit anticipated to outpace revenue growth [13] - The company aims for over 90% cash conversion and plans to incorporate Returns on Invested Capital (ROIC) into its management incentive framework [13]

Group 1 - Meta has entered into an agreement to purchase environmental attribute credits from Electra, marking a first for the company [3][7] - The agreement aligns with Meta's goal to achieve net-zero emissions across its supply chain by 2030 [3] - Electra is set to build a 130,000 square foot demonstration facility in Colorado, supported by a $50 million grant from Breakthrough Energy Ventures, expected to be operational by mid-2026 [6][7] Group 2 - Electra's technology utilizes a low-temperature process to produce low-carbon iron, compatible with renewable energy sources [5] - The facility will have the capacity to produce up to 500 tons of low-carbon iron annually, with contracts already in place for various steel applications [7] - Electra has secured advance purchase agreements for its iron product from Nucor and Toyota Tsusho [7]

Core Insights - Caliber has announced a partnership with Current and InCharge Energy to deploy EV charging infrastructure, enhancing sustainable asset performance across its portfolio [1][2] - The initial project will focus on Caliber hotels and sites in Phoenix, Arizona, a growing hub for electric vehicle innovation [1][2] Company Overview - Caliber (Nasdaq: CWD) is a diversified alternative real estate and digital asset platform with over $2.9 billion in managed assets and a 16-year track record in private equity real estate investing [4] - The company has recently launched a Digital Asset Treasury strategy, becoming the first U.S. public real estate platform to do so, which integrates real and digital asset investing [4] Partnership Details - The collaboration aims to deploy advanced EV charging infrastructure, develop rideshare hubs, and improve energy efficiency across Caliber's hospitality, multifamily, and industrial properties [2][3] - InCharge Energy will design, construct, and install EV charging sites at various Caliber locations, providing ongoing maintenance and support through its InControl™ software [2][3] Market Context - Current is focused on expanding access to EV solutions and Transportation-as-a-Service (TaaS), with initial efforts in California, Texas, and Arizona [3] - The partnership is expected to attract high-value tenants and guests, driving profitability improvements while supporting sustainable practices [2][3]

Municipality Finance PlcStock exchange release 7 October 2025 at 10:00 am (EEST) Municipality Finance issues a EUR 14,5 million tap under its MTN programme On 8 October 2025 Municipality Finance Plc issues a new tranche in an amount of EUR 14,5 million to an existing series of notes issued on 15 July 2024. With the new tranche, the aggregate nominal amount of the notes is EUR 50 million. The maturity date of the notes is 30 September 2029. The notes bear interest at a floating rate equal to 3-month EURIBOR ...

Group 1 - The REIT Forum offers exclusive investment ideas and access to subscriber-only portfolios [1] - Amrita leads a family office fund in Vancouver, focusing on sustainable, growth-driven companies to maximize shareholder equity [2] - The Pragmatic Optimist newsletter, co-founded by Amrita, emphasizes portfolio strategy, valuation, and macroeconomics [2] Group 2 - Amrita has experience in high-growth supply-chain start-ups and has worked with venture capital firms to enhance user acquisition [2] - The newsletter has been recognized as a top finance newsletter and aims to simplify financial literacy for a broader audience [2]

Group 1 - Amrita leads a boutique family office fund in Vancouver, focusing on sustainable, growth-driven investments that maximize shareholder equity [1] - The fund aims to meet growth-oriented goals while democratizing financial literacy and simplifying complex macroeconomic concepts [1] - Amrita has a background in high-growth supply-chain start-ups and has experience working with venture capital firms, enhancing user acquisition during the pandemic [1] Group 2 - Amrita co-founded an award-winning newsletter, The Pragmatic Optimist, which emphasizes portfolio strategy, valuation, and macroeconomics [1] - The newsletter has been recognized as the Top Newsletter in Finance on popular platforms, indicating its influence and reach [1] - Amrita plans to extend her ideas and insights to Seeking Alpha, further broadening her audience [1]

Group 1 - Amrita leads a boutique family office fund in Vancouver, focusing on sustainable, growth-driven investments that maximize shareholder equity [1] - The fund aims to meet growth-oriented goals while democratizing financial literacy and simplifying complex macroeconomic concepts [1] - Amrita has a background in high-growth supply-chain start-ups and has worked with venture capital firms to enhance user acquisition strategies [1] Group 2 - Amrita co-founded an award-winning newsletter, The Pragmatic Optimist, which emphasizes portfolio strategy, valuation, and macroeconomics [1] - The newsletter has been recognized as the Top Newsletter in Finance on popular platforms, indicating its influence and reach [1] - Amrita's goal is to extend her ideas to Seeking Alpha, further broadening her audience and impact in the financial community [1]

Core Viewpoint - Municipality Finance Plc is issuing EUR 40 million zero coupon notes under its EUR 50 billion debt issuance programme, with a maturity date of 23 June 2065 and an early redemption option on 23 June 2035 [1][2]. Group 1: Issuance Details - The zero coupon notes will be issued on 23 June 2025 and are expected to commence public trading on the Helsinki Stock Exchange on 24 June 2025 [1][2]. - Goldman Sachs Bank Europe SE is acting as the dealer for this issuance [2]. Group 2: Company Overview - Municipality Finance Plc is one of Finland's largest credit institutions, with a balance sheet exceeding EUR 53 billion [3]. - The company's ownership includes Finnish municipalities, the public sector pension fund Keva, and the State of Finland [3]. Group 3: Customer Base and Operations - MuniFin's customers include municipalities, joint municipal authorities, wellbeing services counties, corporate entities, and non-profit organizations [4]. - The company focuses on environmentally and socially responsible investments, funding projects such as public transportation, sustainable buildings, and healthcare facilities [4]. - Although MuniFin's customers are domestic, the company operates in a global business environment and is a prominent issuer in international capital markets [5].