Finimize - 💻 Make Microsoft make sense

Money market funds have ballooned to record size | US jobs data holds a rate-hike clue |

Hi Reader, here's what you need to know for April 7th in 3:09 minutes.

🪺 We’ve got two back-to-back public holidays here at Finimize HQ, so try not to miss us too much while we chow down on Easter eggs. Absence makes the heart grow fonder, after all – so you should be well and truly smitten by the time we hit your inbox again on April 12th.

Today's big stories

  1. Friday’s US jobs data could be a big, tantalizing clue to the Fed’s next move
  2. Our analyst broke down Microsoft’s fundamentals in just five steps – Read Now
  3. Investors are plowing cash into money market funds like there’s no tomorrow

Hike And Seek

Hike And Seek

What’s Going On Here?

Friday's US jobs data could help spy out any upcoming interest rate moves.

What Does This Mean?

The monthly jobs report is always a hot topic for economists, and that's no wonder: when businesses thrive and up their headcounts, it usually means the sun’s shining on the economy too. And lately the jobs market has been sizzling – but there's a catch: pesky wage growth that adds fuel to inflation’s fire. That's been a headache for the Federal Reserve (the Fed) in its battle against price rises. So with economists predicting that nearly 250,000 jobs were added last month, keep an eye on how Friday's real numbers stack up: they might offer an insight into the Fed's next move.

Why Should I Care?

For markets: Expecting the expected.
The labor market has shown signs of cooling off, mind you, with data out this week revealing that February had the fewest job vacancies since 2021. Given that companies often freeze hiring before layoffs, that could hint at changes in the broader jobs market. If that’s the case, and if Friday's numbers do miss expectations, the Fed might hold off on raising rates to avoid the risk of triggering an outright recession. In fact, ever since the job openings data came out, markets have been betting the Fed won’t hike rates at all next month.

The bigger picture: One hike to end them all.
If job growth does exceed expectations again, another 0.25-percentage-point hike could be on the table. But the Fed’s already dropped some serious hints that rate hikes are nearing their end, forecasting that it’ll fire off just one more volley this year. And with all the recent banking turmoil, anything bigger seems unlikely, unless the job numbers are truly jaw-dropping. The real risk, then, could be the Fed keeping rates high for longer than investors expect – which could hit corporate profits and stocks hard in the long run.

Copy to share story:

🙋 Ask a question

Analyst Take

Watch An Analyst Value Microsoft’s Shares In Five Simple Steps

Watch An Analyst Value Microsoft’s Shares In Five Simple Steps
Photo of Carl Hazeley

Carl Hazeley, Analyst

You could spend months researching a stock, devouring thousands of reports and running statistical analyses that PhD candidates have never heard of. 

But it doesn’t have to be like that: my fellow analyst Paul recently put together a five-step template that helps you estimate any stock’s forward-looking figures in one simple process. 

I’m going to give it a whirl with Microsoft, given that its stock’s been on a nice run recently. 

If all goes well, I should come away with a decent understanding of what’s driven the second-biggest software giant’s past performance – and whether that’ll continue in the future.

So that’s today’s Insight: how I broke down Microsoft’s fundamentals in five steps, and what that tells me about the stock’s future.

Read or listen to the Insight here

Meet your future community

Let’s face it, even the best brands need a little push to reach the right audience.

Our one-million-strong community of modern investors is clever, clued-in, and keen to learn. In short, they’re exactly the type of folk you want to reach.

So whether you’re an established brand, scaleup, or startup, our promotional campaigns can help you reach the right audience at the right time.

Your tailored campaign will make the most of all the Finimize channels, including live event and Summit showcases, social media blasts, and curated newsletter placements – yup, right here.

Introduce yourself to your future community with Finimize.

Get In Touch

Money Market Cash-cade

Money Market Cash-cade

What’s Going On Here?

A wave of cash is flowing into money market funds – and it could be set to keep rolling in.

What Does This Mean?

Money market funds are a kind of financial lifeboat, investing in low-risk assets that are easy to cash out of, like short-term government bonds. And ever since last month's banking crisis rocked confidence in bank deposits, investors have been clambering into those lifeboats at record speed. Plus, funds like these tick the "returns" box too – rising with the tide of interest rate hikes better than deposit accounts do. No wonder over $300 billion poured into them in just three weeks, then, swelling holdings to a record-breaking $5.2 trillion at the end of March. And Barclays thinks we've only just set sail, too: the firm sees another $1.5 trillion flowing into money market funds over the next year.

Why Should I Care?

Zooming in: Trouble with a capital T.
Investors might be right to move their money. A keen-eyed economist, who predicted the global financial crisis, issued a troubling warning on Thursday – saying that even more banking issues could lie ahead, and adding to worries about deep, underlying problems in the financial system. If that does happen, hedge funds that shorted banking stocks – meaning they borrowed and then sold their shares, hoping to buy them back for less – will be in for a payday. Data out this week showed that last month’s trouble netted them over $7 billion in profit, the biggest windfall the banking sector’s given them since the financial crisis.

The bigger picture: Please, not now.
Another financial fiasco would spell trouble for the global economy, which is already juggling quite a few challenges. After all, the International Monetary Fund shared a pretty dour outlook on Thursday, predicting global economic growth of just 3% over the next five years, as higher interest rates take their toll. That marks the most sluggish medium-term forecast since 1990, with over 90% of advanced economies set for a slowdown.

Copy to share story:

🙋 Ask a question

💬 Quote of the day

“Any activity becomes creative when the doer cares about doing it right, or better.”

– John Updike (an American novelist)
Tweet this

Put your brand’s know-how in the spotlight

Retail investors are constantly on the lookout for reliable, smart, and easy-to-digest information.

We like to think our bite-sized, jargon-free content is what they’re looking for – but your brand’s specialist knowledge sure could help them level up too.

Finimize custom content solutions put your brand in the spotlight: demonstrate your expertise with jargon-free guides, and show our million-strong community that they can trust your brand.

Our editorial team will work with you to craft and maintain a content strategy that suits your business needs and resonates with our switched-on community, in text, audio, and video formats.

Find out more about custom content solutions.

Get In Touch

🌍 Finimize Live

🥳 Coming Up In The Next Week…

All events in UK time.
🔮 Future of Finance: Waking Up To The Retail Investor (London): 6.30pm, April 12th
💸 Should You Save Your Cash Or Invest?: 1pm, April 13th

👀 And After That…

🌎 How To Invest Like A Venture Capitalist: 6pm, April 17th
💰 How To Build Wealth In The New Tax Year: 1pm, April 18th
🙋‍♀️ Women And Investing: Powering Up Your Pension: 5pm, April 25th
💥 Investing 101: The DIY Investor: 1pm, May 4th
🎉 Modern Investor Summit 2023: 12pm, December 5th and 6th

🎯 On Our Radar

  1. It’s not just squeamishness. Here’s why some people can’t stand true crime.
  2. Ubiquitous McDonald’s. This photographer discovered the golden arches had unwittingly slipped into tons of his shots.
  3. No-show audiences. Nobody’s turning up to authors’ book-signing events.
  4. Mind-controlled robots. New “graphene sensors” mean the future’s already here.
  5. Super-fast falsehoods. False memories only take a few seconds to lodge in your brain.
❤️ Share with a friend

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

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: Alexander_P - Shutterstock, Midjourney | Kovalchuk Oleksandr - Shutterstock, Midjourney


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

🤖 Meet Robo-Walmart

Wednesday, April 5, 2023

Walmart's counting on automation to boost profit | Germany was lucky | TOGETHER WITH Hi Reader, here's what you need to know for April 6th in 3:05 minutes. 🤓 Venture capitalists have unrivalled

🌵 London’s drought

Tuesday, April 4, 2023

L'Oréal snapped up Aesop | London's listings market ran dry | TOGETHER WITH Hi Reader, here's what you need to know for April 5th in 3:08 minutes. 💰 Cash has a place in everybody's

📊 Diversify like Morgan Stanley

Monday, April 3, 2023

UFC's owner snapped up WWE | Tesla delivered, but its profit might not | Finimize Hi Reader, here's what you need to know for April 4th in 3:08 minutes. 🤏 Inflation doesn't have to mean

🦸‍♂️ Super-China

Sunday, April 2, 2023

China's jumping, Britain's slipping, and dating's dying | TOGETHER WITH Hi Reader, here's what you need to know for April 3rd in 3:08 minutes. 🚨 This time it's your final chance.

🚫 Meta's sick of politics

Thursday, March 30, 2023

Meta might shun politics, going green, and lunar tourism | TOGETHER WITH Hi Reader, here's what you need to know for March 31st in 3:09 minutes. 💪 Beat the hotshots at their own game. Join

You Might Also Like

More failures on the way

Tuesday, June 11, 2024

Bloomberg Evening Briefing View in browser Bloomberg More US regional bank failures could be on the way thanks to what Pacific Investment Management warns is a “very high” concentration of troubled

🍏 Apple entered the AI race

Tuesday, June 11, 2024

Apple revealed its new AI-fueled tools | Elliott bought a $1.9 billion stake in Southwest Airlines | Finimize TOGETHER WITH Hi Reader, here's what you need to know for June 12th in 3:11 minutes.

[OFFER] Get 20% OFF a new mattress for Dad

Tuesday, June 11, 2024

Plus, 2 FREE Dream Pillows! ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌

A 70% Stock Market Crash Is Coming...

Tuesday, June 11, 2024

The following is a third-party sponsored message. It should not be considered a recommendation or endorsement by HS Dent Publishing. A 70% Stock Market Crash Is Coming… Book Says Robert Kiyosaki,

Stock traders are trying to beat the market — by copying lawmakers

Tuesday, June 11, 2024

Some investors think lawmakers are doing one thing right — picking stocks — and this has prompted a whole new class of products to copy their trades. View this email online Planet Money Team Indicator

Bill Gross picks Europe

Monday, June 10, 2024

Bloomberg Evening Briefing View in browser Bloomberg Bond king Bill Gross says Europe is the place to look for opportunity. His assessment came in the aftermath of election results revealing a

♦️ The S&P 500 got reshuffled

Monday, June 10, 2024

The S&P 500 brought three new companies into the fold | "Catastrophe bonds" have been causing a storm | Finimize TOGETHER WITH Hi Reader, here's what you need to know for June 11th in

The Bid/Ask View of Who Gets to Raise and What Gets Traded

Monday, June 10, 2024

Plus! Privacy and Insurance; AI Fragmentation; Too Central to Fail?; Meritocracy; Activism; Diff Jobs The Bid/Ask View of Who Gets to Raise and What Gets Traded By Byrne Hobart • 10 Jun 2024 View in

Rodney's Take 6-10-24 Tip 'Creeps'

Monday, June 10, 2024

image Rodney's Take June 10, 2024 Tip 'Creeps' Last week, we went to the fast-casual restaurant The Taco Stand, a place where you stand in line to order, pay at the register, wait there for

☎️ The Fed’s been holding

Sunday, June 9, 2024

Plus, everything you need to know for the week ahead | Finimize Hi Reader. Here's a look at what you need to know for the week ahead and the things you might have missed last week. The Long Pause