Finimize - ☝️ The US-EU bidding war left investors wanting more | The EU tried to outmatch US subsidies |

Hi Reader, here's what you need to know for March 10th in 3:15 minutes.

💸 You’ve found a savvy ISA that can shelter your returns from tax, sure, but now you need to find returns worth protecting. So join Hargreaves Lansdown’s Sophie Lund-Yates for Five Shares For ISAs on March 20th, and find out which five stocks Hargreaves is watching – and how it found them. Get your free ticket

Today's big stories

  1.’s results showed that China’s recovery is going to take patience and time
  2. Retail investors are cheerful, even if the pros aren’t – Read Now
  3. The EU and US are turning into lean, green, subsidizing machines in the battle for key industries

Jaded By JD

Jaded By JD

What’s Going On Here?’s meager revenue growth overshadowed last quarter’s juicy profit, spooking investors on Thursday.

What Does This Mean?

Alibaba might be’s arch-rival, but the firms are both Chinese e-commerce giants – meaning they’re typically birds of a feather where results are concerned. So after Alibaba’s feeble revenue growth last quarter, it didn’t come out of left field when JD reported that overall revenue was disappointing and direct sales from its online platforms grew just 1%. In the firm’s defense, the cards were stacked against it: vast tracts of China remained under lockdown during the December quarter, keeping a lid on shopping. JD still managed to overshoot profit estimates, though, thanks to a raft of cost cuts. But that wasn’t enough to placate hard-to-please investors. They dumped the stock despite a tantalizing $1 billion dividend announcement.

Why Should I Care?

The bigger picture: It's going to take patience and time.
JD’s performance might improve as China's economy does, but let’s get one thing straight: the country’s not going to take off with one little wave of the government’s lockdown-lifting wand. Chinese imports and exports actually fell in January and February, and cautious spending brought last month’s inflation down to the lowest level in a year. Now JD’s betting that the rebound will be gradual, and it’s counting on consumers’ confidence (and incomes) dialing up over time.

Zooming out: China’s e-comm royal rumble.
Competition in the Chinese e-commerce market is fierce right now, with newcomers like Pinduoduo shaking the thrones of well-fed reigning champs. But JD’s been brushing off distractions to focus on the fight, saying goodbye to its Thai and Indonesian websites in favor of closer-to-home programs like a $1.4 billion discount campaign. That’s not a guaranteed recipe for success either, though: margins could get dangerously thin if the firm’s not careful, and JD’s rep as a marketplace for higher-end goods might suffer too.

Copy to share story:

🙋 Ask a question

Analyst Take

You’re Optimistic; The Pros Aren’t. Don’t Let That Stop You.

You’re Optimistic; The Pros Aren’t. Don’t Let That Stop You.

By Paul Allison, Analyst

They’re certainly a gloomy lot, those professional investors. 

More than two-thirds of fund managers recently said the market’s strong performance since October has been nothing more than a bear market rally

And so they’ve sold their stocks, and currently are up to their eyeballs in cash. 

But that doesn’t mean you have to follow suit. In fact, you might know better than the pros. 

That’s today’s Insight: why you don’t need to be glum just because the pros are.

Read or listen to the Insight here

Finimize x Revolut

Every cake needs a good foundation. You know, something like six free months of jargon-free Finimize Premium Insights, written daily by our expert analysts.

Then there’s the delicious, buttery icing. Three months of free Revolut Premium – read: your one-stop shop for all things money – sounds about right for that one.

And as for the cherry on top, that’s the £10 or equivalent you’ll find waiting in your new Revolut account. Mmm, delicious.

Have your cake and eat it too: unlock all that goodness by signing up for Revolut today.


The all-in-one exercise to get your portfolio in shape

Gym workouts will get you different results, like cardio for stamina and weights for strength.

And sure, you’d have to be an Iron Man to run a mile while benching a few kilos – but you can become a titan of the investing world without breaking a sweat.

Diversify your investment portfolio with a sprawling range of assets, and you’ll give yourself a better chance at surviving market volatility and achieving long-term success.

You can find all the tools you need on ii’s easy-to-use platform: you’ll get access to over 40,000 global stocks and thousands of funds, trusts, and exchange-traded funds.

And if you want a quick start, you can check out ii’s quick-start funds and ready-made portfolios. Now, time for a wind-down and a protein shake.

Find Out More

Trading and other transactional costs apply. Investment value can go up or down and you could get back less than you invest. The value of international investments may be affected by currency fluctuations which might reduce their value in sterling. If you are unsure about the suitability of an investment product or service, you should seek advice from an authorised financial advisor.

Mr. Steal Your Industries

Mr. Steal Your Industries

What’s Going On Here?

The EU’s reportedly planning some new green subsidies to outshine the US's allure.

What Does This Mean?

The EU’s got a problem, and its name is Uncle Sam – especially his deep pockets. See, the US boasts a $369 billion package of subsidies and tax incentives for green tech, and that’s got some European companies eyeing up life stateside. Cue panic among EU policymakers, who are worried the sweet Yankee dollar will deprive them of industries they’ve nurtured for years. Volkswagen, the world’s second-biggest carmaker, is a prime example. The firm announced this week that it’s putting plans for an Eastern European battery plant on hold and prioritizing a facility in the US instead – where it could claim over $10 billion in incentives. But the EU’s reportedly hitting back, making it easier for member states to match US subsidies in a last-ditch attempt to keep firms on European soil.

Why Should I Care?

Zooming in: Grand theft auto.
The US and EU are squabbling over all kinds of sectors, but Europe’s especially protective of its all-important auto industry. After all, the region’s home to some of the world’s biggest car manufacturers. And it’s cradling some valuable EV jewels too: the bloc accounts for a quarter of global EV production and 20% of the supply chain, while the US’s figures are less than half that size. Ceding that position would hit the region’s struggling economy hard, meaning the embattled EU has little choice but to cough up or shut up for now.

The bigger picture: Seeing green.
This development might have EU bureaucrats in tears, but it bodes well for the green transition – and for the world at large. The Human Development Index, which measures how long and well folk live, has been dropping off in recent years. (Yup, you’re not just aging: life actually is getting worse.) Climate change is one key culprit – but developments like this could help keep it in check.

Copy to share story:

🙋 Ask a question

💬 Quote of the day

“Thirty-five is when you finally get your head together and your body starts falling apart.”

– Caryn Leschen (an American illustrator, copywriter, and cartoonist)
Tweet this


No pain, plenty of gain

Gym classes often let you bring a friend – you might even get two free shakes on the house.

But it’s rare for investment services to do the same. That’s why ii’s new deal is pretty special: see, if you introduce a friend to ii’s award-winning platform, you could get a £200 reward.

There’s plenty in it for your buddy too: they’ll get a free subscription for a whole year, saving £120 on ii’s most popular plan, plus an extra £120 if they open a self-invested personal pension too.

What’s more, they’ll be glad you introduced them to ii: it’s the UK’s leading flat-fee investment platform, boasting the most investment options on the market and transparent pricing.

Reward yourself – and a friend – today with ii.

Find Out More

🌍 Finimize Live

🥳 Coming Up Soon…

All events in UK time.

📈 Five Shares For ISAs – How HL Researches: 5pm, March 20th
🌎 Three Ways Long-Term Investors Can Act On Climate Change: 12pm, March 21st
🚀 What Will Be The Next Big Thing In Artificial Intelligence?: 1pm, March 22nd
🎉 Modern Investor Summit 2023: 12pm, December 5th and 6th

🎯 On Our Radar

  1. Snow leopard. An escaped big cat was taken to the zoo – with cocaine in its system.
  2. “Oh, hi Mark.” They’re remaking 2003’s cult classic The Room, starring this small-screen superstar.
  3. Tween-age angst. The world of adolescent girls is in serious decline.
  4. Money does buy happiness. The science is in, and the proverb is wrong.
  5. Sharing plates are so passé. Please, let’s just eat our own individual dishes.
❤️ Share with a friendYour Referrals: 0

Thanks for reading Reader. If you liked today's brief, we'd love for you to share it with a friend.

Share your unique link:

You stay classy, Reader 😉

We’d love to hear your thoughts. Give feedback

Want to advertise with us too? Get in touch

Image Credits:

Image credits: | Scott Cornell - Shutterstock


Update your email or change preferences

View in browser

Unsubscribe from all Finimize Emails


Crafted by Finimize Ltd. | 280 Bishopsgate, London, EC2M 4AG

All content provided by Finimize Ltd. is for informational and educational purposes only and is not meant to represent trade or investment recommendations. You signed up to this mailing list at or through one of our partners. © Finimize 2021

View Online

Key phrases

Older messages

👟 Adidas got scuffed

Wednesday, March 8, 2023

Adidas tripped on its laces | China's car sales hit a speed bump | TOGETHER WITH Hi Reader, here's what you need to know for March 9th in 3:11 minutes. 💸 Want to make smarter investment

⚔️ Lego meets Fortnite

Tuesday, March 7, 2023

Lego's ready for a digital renovation | British house prices challenged expectations | Finimize Hi Reader, here's what you need to know for March 8th in 3:01 minutes. ☕️ Finimized over a long

😳 China's underconfident

Monday, March 6, 2023

China's set a pretty low goal | Eurozone retail sales were worryingly weak | TOGETHER WITH Hi Reader, here's what you need to know for March 7th in 2:53 minutes. ☕️ Finimized over a café de

🛢 Russian oil slipped

Sunday, March 5, 2023

Lufthansa was a high achiever | Russian oil prices plummeted | TOGETHER WITH Hi Reader, here's what you need to know for March 6th in 2:51 minutes. 👋 The way you invest is unique. So tell us about

🍺 Tipples toppled

Thursday, March 2, 2023

Salesforce got its mojo back | The world's biggest brewer is selling less beer | TOGETHER WITH Hi Reader, here's what you need to know for March 3rd in 2:56 minutes. ☕️ Finimized over a piccolo

Wall Street sharks eye ‘dumb’ banks

Wednesday, March 29, 2023

Plus: Don't go barefoot on a plane, and Lowe's employees love the 4-day workweek. View in browser Subscribe March 29, 2023 Hello, Insiders. I'm Jennifer H. Cunningham, the editor in chief

Wall Street: Fintech’s fraud problem

Wednesday, March 29, 2023

The latest in finance. View in browser INSIDER INSIDER Subscribe 10 THINGS ON WALL STREET Hiya! Dan DeFrancesco in NYC. We're still taking nominations for our 2023 rising stars of equity research,

Rate cuts? Forget it

Tuesday, March 28, 2023

Bloomberg Evening Briefing View in browser Bloomberg Anyone out there betting the US Federal Reserve will actually cut rates this year has got it very wrong, says BlackRock. The world's biggest

💥 Prepare for a crash landing

Tuesday, March 28, 2023

Job-poaching AI, Alibaba's comeback, and dopamine decor | TOGETHER WITH Hi Reader, here's what you need to know for March 29th in 3:14 minutes. 🚨 Consider this a wake-up call: the end of the UK

🤔 Your Q’s about the markets, A'd

Tuesday, March 28, 2023

Plus, updates on interest rates, the Ellevest Women's Financial Health Index, and *checks notes* mermaids? ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

The Fault Lies in the Market, Not in Ourselves

Tuesday, March 28, 2023

Also: Best Places to Travel 2023 ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌

Where to live to save money

Tuesday, March 28, 2023

Plus: A second 'hole' on the sun, and why workers are sick of their jobs. View in browser Subscribe March 28, 2023 Hello, Insiders. I want to ask you about artificial intelligence. We've

Wall Street: No new jet for Goldman

Tuesday, March 28, 2023

The latest in finance. View in browser INSIDER INSIDER Subscribe 10 THINGS ON WALL STREET Hi there! Dan DeFrancesco in NYC, and I'm trying to think of what I'd want most in an office after

Why Nepo Babies Are Bad For Business (Sorry, ‘Succession’)

Tuesday, March 28, 2023

What the HBO show 'Succession' can teach us about family companies View this email online Planet Money Should the Roy kids really lead Waystar Royco? by Greg Rosalsky The hit HBO show

Cracks in a $7 trillion empire

Monday, March 27, 2023

Bloomberg Evening Briefing View in browser Bloomberg On the surface, Charles Schwab being swept up in the wave of recent financial meltdowns makes little sense. The firm, a half-century mainstay in the