Finimize - ✂️ It might be cutting time

US inflation gave the Fed something to think about | Luxury fashion fell out of fashion |


Hi Reader, here's what you need to know for May 16th in 3:14 minutes.

🥐 Finimized over a pistachio croissant at Aromi in Cambridge, UK (🌥19°C/67°F)

Today's big stories

  1. US inflation was in line with expectations, so it might be time to bring out the rate-cutting scissors
  2. Three seasoned investors, one big reveal: their top trading idea – Read Now
  3. Burberry’s slow sales did little to convince investors of the brand’s creative revamp

The Action Take

The Action Take

What’s going on here?

Data out on Wednesday showed that US inflation slowed down in April, which might be the Federal Reserve’s (the Fed’s) cue to cut.

What does this mean?

The consumer price index tracks how the price of a standardized basket of goods and services changes over time. And last month, prices came in an average of 3.4% more expensive than the same time last year – slightly down from the month before, just as economists expected. The dip suggests that what went up might finally be coming down, especially when core inflation – which strips out volatile food and energy prices – came in lower than it did in March, too, landing at an annualized 3.6%.

Why should I care?

For markets: So much for April showers.

This data could have a serious impact. See, the Fed’s next opportunity to adjust interest rates is in early June, and May’s readings won’t have come in by then. That means the central bank will need to reference April’s data – and with Wednesday’s release suggesting that inflation is on the descent, that bodes well for the prospect of rate cuts. Add in weaker-than-expected retail sales and hints that the US job market is straining, and you can see why traders’ bets show a 50% chance of a cut before September.

For you personally: Nickel-and-diming over nickels and dimes.

Remember, inflation coming down isn’t the same as prices themselves coming down. Instead, it just means that the rate of increase is slowing. That said, while deflation – or falling prices – might sound like a relief for the wallet, it would cause major problems for the economy. So rate cuts might be the best outcome right now: they’d make it cheaper to borrow and spend money, spurring on the economy as a result. On top of that, lower rates would benefit companies and their stock prices, which explains why the S&P 500 initially picked up after the data.

Copy to share story:

🙋 Ask a question

Analyst Take

Three Pros Spill The Tea On Their Very Best Investing Ideas For 2024

Three Pros Spill The Tea On Their Very Best Investing Ideas For 2024

By Theodora Lee Joseph, CFA, Analyst

Let’s face it: markets are in a weird place right now.

Stocks have been jaunting upward, bond yields are still high, and no one knows when those interest rate cuts will start.

That’s why Bloomberg recently asked three top-of-their-game experts – ones who live and breathe this stuff daily and have seen every market quirk – for their best investment ideas.

So that’s today’s Insight: three pros spill the best trade ideas they’ve got now.

Read or listen to the Insight here


The Stratosphere is calling

Hedge funds hoard their secrets, financial advisors take fees, and DIY strategies are built for coders.

Stratiphy breaks the mold, packaging up AI-powered systematic investing tools – the type that some of the best-performing hedge funds use – into a tidy, clean app.

All you need to do is set your goals and parameters, and you’ll receive frequent signals that enable you to follow your own strategy with an optimized risk-adjusted portfolio.

The UK’s newest FCA-authorized retail investment manager, Stratiphy already boasts hundreds of test users and letters of intent from eager business customers worth around $10 billion.

And not only can you “join the Stratosphere”, but you can invest in it: on a mission to empower millions to become their own wealth manager, Stratiphy is crowdfunding now.

Find Out More About Stratiphy

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

If you want your brand featured here, get in touch.

Coat Of Harms

Coat Of Harms

What’s going on here?

Burberry warned investors of a tough first half of the year on Wednesday, as trenchcoats failed to save the luxury fashion house from, well, the trenches.

What does this mean?

Burberry’s been struggling to turn the Asia-Pacific and Americas regions plaid recently, as cash-strapped shoppers have cut beige bucket hats from their budgets. In fact, Burberry’s sales in China last quarter fell 19% from a year ago, pushing the company’s overall same-store sales growth down 12%. And now, Burberry expects wholesale revenue – the money it makes selling to retailers – to be 25% lower in the first half of this financial year than the last. At least it has company: Gucci-owner Kering recently warned investors to expect a 40% to 45% drop in its profit for the first half of the year.

Why should I care?

For markets: Back to the pattern-cutting board.

Burberry’s current creative revamp leans further into its heritage and iconic check pattern, in hopes that’ll win back nostalgia-hunting fashionistas. But that British style won’t come cheap: the signature “rocking horse” bag is priced at £1,890 ($2,372). According to some analysts, that’s simply too expensive to convince Burberry’s target customers to saddle up. Investors don’t have much hope, either: they sent the stock down 4% on Wednesday, after already slicing it in half over the last year.

The bigger picture: Not too hot, not too cold, not just right.

US retail sales were flat from March to April, a worse result than economists expected. But it’s no wonder folk are cutting back: inflation is still biting and Americans’ pandemic savings are drying up. Mind you, higher end luxury brands like LVMH and Hermès are managing alright, suggesting that the uber-rich can still afford to splash tens of thousands on Birkins. Burberry’s problem might be its positioning, then: not high-end enough to supersede price pressures, but not cheap enough to attract budgeters.

Copy to share story:

🙋 Ask a question

💬 Quote of the day

"It is difficult to say what is impossible, for the dream of yesterday is the hope of today and the reality of tomorrow."

– Robert H. Goddard (an American physicist and inventor)
Tweet this

🇬🇧 London Bridge isn't falling down

The UK economy is finally shaking off its funk.

It's growing at its fastest pace since 2021, boosted by the revved-up auto industry and the up-and-at-'em services sector.

Here's the interesting bit: that improving economic picture is revitalizing UK stocks.

Read The Quicktake

🤠 Howdy, partner

Your partner can dump you, you can get fired with barely any notice, and your landlord can kick you out.

You'll always have a friend in us, though.

Introduce your brand to our million-strong community of active, savvy investors, and secure yourself a real stable gang.

Talk To The Team

🎯 On Our Radar

1. Not-so-cold turkey. Here’s how to scratch your Sriracha itch even when it’s out of stock.

2. You can't have DeFi without stablecoins. Here's how they work and why they're so important.*

3. Chevy Malibu, we barely knew you. General Motors became the latest carmaker to ditch the sedan.

4. To utopia, and beyond. A fresh investing style could build a better future for you and the planet.*

5. 3,200 feet in the air. This isn’t a helicopter ride: it’s a building.

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

🤔 Q&A · RE: Fingers Crossed

“What are some strategies for managing personal finances during uncertain economic times?"

From John in the USA

“First up, you’ll want to build up your ‘emergency fund’ if you haven’t already. That’s money you set aside to cover unexpected financial shocks – it should be about three months of your after-tax income. Then, you might want to turn your attention to the long term: retirement. As a rule of thumb, John, assume you’ll need 80% of your current income in retirement and multiply that by 25 for an estimate of how much you may want to have set aside. Once you’ve got that figure in mind, consider increasing your contributions to tax-advantaged accounts and prioritizing saving and investing to build a solid retirement fund.”


🙋 Ask a question

🌍 Finimize Live

🤩 Coming up soon...

All events in UK time.

🏔️ Gaining An Edge Beyond ETFs: 8pm, June 19th
🤑 How AI Can Help You Invest Like The Wealthy: 5pm, June 25th
🚀 2024 Modern Investor Summit: 2pm, December 3rd

❤️ 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: dall-e | dall-e


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

⚡️ Walmart's coming for Amazon

Friday, May 17, 2024

Walmart won over a new league of bargain hunters | Japan's economy fared worse than expected | Finimize TOGETHER WITH Hi Reader, here's what you need to know for May 17th in 3:13 minutes. 🐦 The

🚀 GameStop to the moon... again

Tuesday, May 14, 2024

The US slapped China with more tariffs | Meme stocks came back, 2021-style | Finimize TOGETHER WITH Hi Reader, here's what you need to know for May 15th in 3:12 minutes. 🔎 Spot the odd one out: Ray

💸 Alibaba's coming for Amazon's gig

Monday, May 13, 2024

Alibaba is becoming China's Amazon – if not in cloud tech, in investing | SoftBank put its losing streak in the past | Finimize TOGETHER WITH Hi Reader, here's what you need to know for May

🤞 The fifth time’s a charm

Sunday, May 12, 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. Fingers Crossed

👀 The US is watching China

Friday, May 10, 2024

Corporate America bought back shares at a rapid pace | The US mulled over tariffs for Chinese exports | Finimize TOGETHER WITH Hi Reader, here's what you need to know for May 11th in 3:04 minutes.

You Might Also Like

Longreads + Open Thread

Saturday, July 13, 2024

Data, Microbes, Games, Wikis, 1177, Missions, Graeber Longreads + Open Thread By Byrne Hobart • 13 Jul 2024 View in browser View in browser Longreads Abraham Thomas writes about how to price a data

Obama in favor of Biden swap-out?

Saturday, July 13, 2024

Unexpected twist... ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌

Still not enough

Saturday, July 13, 2024

Bloomberg Weekend Reading View in browser Bloomberg US President Joe Biden now finds himself waging a war for reelection on two fronts: against Donald Trump and, more immediately, some skeptics in his

Banks get a brake-check

Friday, July 12, 2024

Bloomberg Evening Briefing View in browser Bloomberg The biggest US bank stocks have been trouncing the broader market this year. But their rally got a brake-check from earnings results that

😲 Wow, JPMorgan results

Friday, July 12, 2024

JPMorgan's expectation-beating results, analysts' predictions for earnings season, and a mutant frog | Finimize TOGETHER WITH Hi Reader, here's what you need to know for July 13th in 3:14

Smashing the Monopoly

Friday, July 12, 2024

The Latest Challenger to Take On Chicago ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏

Harry's Rant 7-11-24 Are We Near the Top?

Friday, July 12, 2024

image Harry's Rant July 11, 2024 Are we near the top of the stock market? More on this and the latest on bitcoin, the Nasdaq, TLT, gold and the Feds next move in today's Rant. Harry Dent posts

How to build the ultimate dividend portfolio

Friday, July 12, 2024

The following is a third-party sponsored message. It should not be considered a recommendation or endorsement by HS Dent Publishing. There's a free dividend workshop that shows how anyone can build

Forecast accuracy and efficiency at the Bank of England – and how forecast errors can be leveraged to do better

Friday, July 12, 2024

Derrick Kanngiesser and Tim Willems This post describes a systematic way for central banks to employ past forecasts (and associated errors) with the aim of learning more about the structure and

Leading with AI - Issue #476

Friday, July 12, 2024

From banking innovations in Singapore to Apple's latest AI features, explore the cutting edge of financial technology. July 11, 2024 FinTech Weekly brings you the latest in financial technology