Finimize - 💪 Microsoft and Alphabet triumphed

Tech titans showed their dominance | Europe may be headed for a recession |


Hi Reader, here's what you need to know for October 25th in 3:15 minutes.

📈 You don't need to do this alone. Join TPP for Accessible Strategies For Effective Trading on October 26th, and take part in an exclusive workshop designed to uncover accessible trading strategies and elevate your expertise. Grab your free ticket

Today's big stories

  1. Microsoft and Alphabet both beat quarterly revenue expectations, but their cloud divisions had diverging results
  2. One of these five overlooked investment tools could be the perfect match for your style – Read Now
  3. Activity in the eurozone’s private sector saw a bigger-than-anticipated decline in October

Break In The Clouds

Break In The Clouds

What’s going on here?

Microsoft and Alphabet both announced expectation-beating quarterly revenue on Tuesday, even though the firms’ cloud divisions broke away from each other.

What does this mean?

Microsoft flew past Wall Street’s projections when it reported results late on Tuesday, announcing that revenue came in just above $56 billion last quarter, 13% higher than the same time last year. That was mainly down to strong showings in the tech titan’s Azure cloud computing division and office software businesses. Alphabet will be envious of that, mind you. The cloud sector over at Google’s parent company fell short of estimates, mustering up a roughly 22% uptick over the quarter versus 28% the one before.

Why should I care?

For markets: Big Tech, bigger expectations.

Investors expect a lot from Big Tech, which means major companies are measured against lofty targets. Microsoft’s banking on artificial intelligence (AI) to smarten up business in the long term, which explains why the firm’s poured cash into ChatGPT’s creator OpenAI and got to work on its own chatbot. Looks like that’s already paying off: those AI-assisted quarterly results will have comforted investors’ worries that the cloud business – Microsoft’s biggest moneymaker – might be running out of steam, and given them more reason to trust the tech firm’s master plan.

The bigger picture: It’s nice for some.

Alphabet may have had issues with its cloud business, but the company can comfort itself with promising digital advertising results. That’ll bode well for rivals like Meta, Amazon, and Pinterest too, suggesting that companies are still willing and able to splash out on ads on social media sites. So far, so good for Big Tech, then: while plenty of businesses have been all but wiped out by market conditions and high interest rates, major tech companies have managed to hold relatively steady. And sure, they may come under fire if their AI endeavors still aren’t bearing fruit next year, but if you believe that stock-squashing interest rates have topped out, then there’s no reason to doubt Big Tech’s power going forward.

Copy to share story:

🙋 Ask a question

Analyst Take

Five Underrated Tools, One To Fit Every Investor Type

Five Underrated Tools, One To Fit Every Investor Type

By Theodora Lee Joseph, CFA, Analyst

There’s a lid for every pot, or so they say. And in financial markets, that certainly seems to hold true.

Whether you’re a “set it and forget it” investor, a value investor, or a nervous one, you can usually find a fund that suits you – even when the economic backdrop is a bit worrying.

However, you might not have considered these ones: here are five under-the-radar investment tools.

That’s today’s Insight: five underrated investment tools, and the investing styles that match them best.

Read or listen to the Insight here


This painting sold for $8 million – and everyday investors made the profit

Master artist Claude Monet’s painting was bought for $6.8 million.

And when it was sold for $8 million just 631 days later, Masterworks investors with shares in the offering received their share of the net proceeds.

All thanks to Masterworks: an award-winning platform for investing in blue-chip art. To date, each of Masterworks’ 16 sales from its portfolio has returned a profit to investors.

In three recent sales, investors realized net annualized returns of 17.6%, 21.5%, and 35%. See, since Masterworks files with the SEC, you can invest in coveted artwork for a fraction of the price.

Shares of every offering are limited, but Finimize readers can skip the waitlist with this exclusive link.

Past performance is not indicative of future returns, investing involves risk. See disclosures

Find Out More

When you support our sponsors, you support us. Thanks for that.

Siesta Time

Siesta Time

What’s going on here?

Activity in Europe’s private sector dozed off in October, and that laissez-faire attitude might put the economy into a deep sleep.

What does this mean?

Whether businesses are busy or not can tell you a lot about the economy. That’s why analysts keep a keen eye on the purchasing managers' index (PMI), which turns survey answers from business managers into hard numbers. And according to the latest results, Europe’s economy is going from bad to worse: the PMI dropped to a three-year low of 46.5 in October, well below the 50-mark that indicates shrinkage and defying expectations for a slight increase from September. Combine that sluggish start to this quarter with economists’ assertions that the economy shrank last quarter, and the region’s most likely headed for a recession – that is, two consecutive quarters of negative growth.

Why should I care?

For markets: No commitment issues in sight.

After hiking economy-bruising interest rates at the last ten consecutive meetings, the European Central Bank may use that PMI data to justify a pause when it meets on Thursday. But don’t take that as the beginning of the end: with European inflation more than double its target and energy prices on the rise due to renewed conflict in the Middle East, the central bank’s expected to keep rates where they are, or slightly higher, for a while to come.

The bigger picture: The breadwinner’s back.

Germany is usually the provider of Europe, even though the country's needed a helping hand lately. This week, though, the International Monetary Fund said that Germany is set to overtake Japan as the world’s third-biggest economy, spurred on by the Japanese yen sliding against both the dollar and euro. According to those projections, Germany’s economy should hit $4.4 trillion this year, coming in around $200 billion meatier than Japan’s.

Copy to share story:

🙋 Ask a question

Engagement is more important than ever

Your business spends a lot of money to win over customers.

Thing is, that's just a waste if they don't make use of your products and services.

You need engagement: customers that use, love, and tell others about what you do. The right content can get you exactly that – and luckily enough, we can help you make the right content.

At Finimize, we craft some of the industry’s most engaging financial content – trusted by over a million individual investors and 300-plus institutions – every single day.

This 29-page guide takes you through our strategic content creation, from concept to text and audio delivery, so you can tailor your own content strategy and fire up your engagement rates.

Get The Guide
💬 Quote of the day

"All I ask is the chance to prove that money can't make me happy."

– Spike Milligan (an Irish comedian, writer, and musician)
Tweet this


Prepare your business for uncertainty

Business leaders are facing a real problem.

Interest rates aren’t guaranteed to fall anytime soon and recession threats are far from resolved, so companies need to protect their cash flow while staying nimble in case the cycle shifts.

That’s a delicate balance to strike, especially when the future is as uncertain as it is today.

So take some tips from the experts: this quick guide details 17 moves you can take to grow your company even in trying times.

Lay the groundwork for growth.

Find Out More

When you support our sponsors, you support us. Thanks for that.

🎯 On Our Radar

1. Physical: 100 but brainy. The Devil's Plan is Netflix's latest talking point.

2. AI-enhanced investing is here. Unlock the control of a brokerage, smarts of AI, and guidance of an advisor with Magnifi.*

3. The kitchen’s hot, hot, hot. Especially if you buy a frying pan that rivals the temperature of the sun.

4. As good as (white) gold. The global energy revolution needs lithium – and this company could plug the gap.*

5. Your dating life needs a restart. These experts can help.

When you support our sponsors, you support us. Thanks for that.

🌍 Finimize Live

🥳 Coming Up In The Next Week...

All events in UK time.

💰 Money Matters: Her Wealth Roadmap: 5pm, October 25th

📈 Accessible Strategies For Effective Trading: 5pm, October 26th

🍷 Acquiring A Taste For Rare Wine Investments: 5pm, October 30th

🤝 Peer-to-Peer Lending: The Next Opportunity: 5pm, October 31st

🧰 Mastering Tools for The Modern Trader: 5pm, November 2nd

🎉 Modern Investor Summit 2023: 12pm, December 5th and 6th

❤️ 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: Finimize | 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

Older messages

🤞 Earnings season, baby

Tuesday, October 24, 2023

Big banks kicked off earnings season | China proved that the grass isn't always greener on the non-inflationary side | Love Finimize? Refer a friend (and get cash 💰) Finimize TOGETHER WITH Hi

💸 Deals are back

Monday, October 23, 2023

Swiss pharmaceutical giant Roche announced a $7 billion deal | Oil giant Chevron revealed a massive deal of its own | Finimize TOGETHER WITH Hi Reader, here's what you need to know for October 24th

🌡️ Earnings season’s heating up

Sunday, October 22, 2023

Plus, China may be hitting a stride | Finimize Your Weekly Brief should take you 3:14 minutes to read. Let us know what you think here. Head In The Clouds There are always a few key things to watch for

🚗 Tesla went backward

Friday, October 20, 2023

Brits' spending habits were a bad sign for the economy | The gas industry needs more money, otherwise we could run dry | Finimize TOGETHER WITH Hi Reader, here's what you need to know for

🇨🇳 Evergrande 2.0

Thursday, October 19, 2023

Another major Chinese property developer is in big trouble | TSMC offered hope for the chipmaking world | Finimize TOGETHER WITH Hi Reader, here's what you need to know for October 20th in 3:14

Skip the bonds

Friday, December 8, 2023

Bloomberg Evening Briefing View in browser Bloomberg After the beating they've taken in bonds over the last two years, investors could be forgiven for wondering if it was ever a good idea to rely

🦘 Australia has energy

Friday, December 8, 2023

US job data muddied the inflation waters | Australian energy companies discussed a multi-billion-dollar merger | Finimize TOGETHER WITH Hi Reader, here's what you need to know for December 9th in 3

Should you go for the gold?

Friday, December 8, 2023

Here's what to know going into 2024 ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌

Goods are getting cheaper

Friday, December 8, 2023

Here's why you probably haven't noticed. View in browser BUSINESS INSIDER BUSINESS INSIDER Subscribe INSIDE SCOOP Jenny Chang-Rodriguez/Business Insider Many things are actually getting cheaper

Battle of the Buttons

Friday, December 8, 2023

How PayPal, Amazon and Shopify are Changing the Checkout ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

Insider Today: Ivy League ultimatum

Friday, December 8, 2023

Plus: Mr. Bezos' neighborhood, and Elon vs. Iger. View in browser December 8, 2023 • 6 min read with Dan DeFrancesco Happy Friday! National Geographic's Pictures of the Year are here, and they

Tech’s grim new look

Thursday, December 7, 2023

Bloomberg Evening Briefing View in browser Bloomberg Silicon Valley tells the world its empires are built on ingenuity and determination. In the tech boom of the past decade, however, much of its

👩‍⚖️ Europe's regulating AI

Thursday, December 7, 2023

European lawmakers agreed on AI regulatory rules | British homes got pricier again | Finimize TOGETHER WITH Hi Reader, here's what you need to know for December 8th in 3:13 minutes. ⚡️ If AI is

Give yourself the gift of a good night’s sleep

Thursday, December 7, 2023

Start 2024 with comfort, quality and affordability. ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌

Wall Street's lonely bankers

Thursday, December 7, 2023

Junior bankers share their stories of loneliness. View in browser BUSINESS INSIDER BUSINESS INSIDER Subscribe INSIDE SCOOP Arantza Pena Popo/Insider Wall Street's loneliness crisis Junior bankers