Investment Research

The recent surge in Agentic AI and Generative AI has stirred considerable discussion about the future of software as a service. Vibe coding, in particular, has lowered the friction involved in building applications. Today, a developer—or even a technically curious individual—can describe a product in a prompt and generate a working application. In many cases, this can be done without a dedicated front-end developer, back-end engineer, or UI/UX designer. The results are often

Cyclicals have long been the most hated and unpopular stocks among both institutional and retail investors. One reason for this is the inherent volatility that comes with cyclicals. You have years of bountiful profits followed by years of agonizing losses, often back-to-back. The psychological pain of holding on to these volatile stocks, especially during the troughs, is usually too great for investors. Consequently, we see very emotional responses to the valuation of these s

How AI Works For centuries, humans and machines have lived in harmony. Dating back to the development of the wheel which revolutionized farming and human mobility to the computers that landed the first human on the moon in 1969. The newest innovation in the technology sector that has sparked the attention of the public is artificial intelligence or AI. Simply stated, AI refers to the simulation or approximation of human intelligence in machines but, it’s also helpful to unde

The jump-scare by Silicon Valley Bank was not a shock for many, short sellers had been calling out SVB and many other lending...

Leverage is one of the most important concepts in investing. Understanding the implications of leverage is crucial if one wishes to become..

Risk is most frequently referred to as the amount of exposure to the potential of unfavorable outcomes from an investment. Naturally, there is no such thing as a surefire investment in life – Every investment comes with some probability of failure. Even the Treasury Bills are not strictly risk-free. In fact, governments have defaulted on their loans throughout history. For example, when Greece adopted the Euro as its currency in 2008, the government caved under massive econom

In the previous series of whitepapers, we discussed how to survive the bear market through fundamental investing and financial planning. In this whitepaper, we will discuss the enormous challenges cryptocurrency industry faces and whether or not it will be a good investment . Credit: The Motley Fool The idea of a blockchain has significantly challenged the conventional manner of "transaction" since a report written by developer Satoshi Nakamoto was first published. Over th

In the previous whitepaper , we discussed determining the margin of safety of your holdings, which can reduce risk and improve return simultaneously. In this whitepaper, we will examine the last task for surviving the bear market: planning with a financial advisor. Diversification Investors must plan their asset allocation thoroughly with a professional advisor. The first thing on the table is to ensure that your holdings are sufficiently diversified across asset classes and

In the previous whitepaper , we discussed calculating the intrinsic value of holdings, allowing investors to make better buy, hold, or sell decisions. However, the next step after finding the intrinsic value is determining the Margin of Safety of your holdings. Using the Margin of Safety, investors can buy a company at a market value much less than its intrinsic value, which can reduce risk and improve return simultaneously. Credit:Samco The concept of Margin of Safety was f

In the previous article , we discussed the first task for investors to complete to survive under a bear market: identifying high-quality businesses in their portfolio. In this article, we will discuss task two, calculating the intrinsic value of businesses that can allow investors to make better buy and hold decisions. After identifying the high-quality businesses in their portfolio, investors should start determining the intrinsic value of the companies they own. Especially

All four major index funds have suffered significant losses since 2022. The Russell 2000 Index has dropped 33.2% from its all-time high, and the Dow Jones, which consisted of mainly blue-chip stocks, has decreased by nearly 20% from its all-time high. The stock market has officially turned bearish , which makes it critical for investors to manage their portfolio properly in order to survive the bear market. Therefore, it is important that investors can complete the followi

“People who succeed in the stock market also accept periodic losses, setbacks, and unexpected occurrences. Calamitous drops do not scare them out of the game.” -Peter Lynch The current turmoil in the stock market has driven many investors away. Since 2022, the Nasdaq has been down 24%, and the S&P 500 has dropped nearly 20%. ( Source: Investing.com ) It seems like the stock market's performance has proven the adage" Sell in May and go away" to be true. However, investors shou

“Lack of resale inventory combined with strong consumer demand continues to boost single-family home building.” - Chuck Fowke, National Association of Homebuilders (NAHB) Chairman At the moment, there is a historic opportunity available in the homebuilding sector, since 2014, there has been a significant undersupply of housing , offering homebuilders a great opportunity for profit as they take advantage of this deficit. As the shortage continues through the current, uncert

"The single-most important decision in evaluating a business is pricing power. If you've got the power to raise prices without losing business to a competitor, you've got a very good business." - Warren Buffett An inflationary environment is viewed as negative due to its ability to turn suspected profits into losses . If an investment in a stock, bond, or savings account produces a lower return than the inflation rate, the investor loses money . Due to this possibility, year

"We don't prognosticate macroeconomic factors, we're looking at our companies from a bottom-up perspective on their long-run prospects of returning." - Mellody Hobson, President and co-CEO at Ariel Investments Ironhold Capital is excited to discuss some reasons why the Russia-Ukraine conflict and inflation are not detrimental to the long-term success of investors in the markets. Detailed below are the micro and macroeconomics of the situation and the best strategy for navi

"If you're in the market, you have to know there's going to be declines." - Peter Lynch Since 1950, the S&P 500 index, which tracks the performance of 500 large public companies in the United States, has been fairly valued or undervalued for most of the 70 years . These valuations allow for steady returns and a reliable market with minimal levels of volatility. However, there have been two instances in these 70 years where the S&P 500 has been extremely overvalued – the dot

Since the start of the new year, uncertainty and fear from various external factors have sparked a market correction and a rotation of positive sentiment out of growth and into value equities. For most of the pandemic, growth stocks outperformed due to the incredible amount of stimulus and low-interest rates, despite the looming fear of COVID-19’s lasting impact on our society and economy. The abundance of monetary policy decisions may have given investors too optimistic of a