Finimize - 💰 Klarna's big shot

US inflation warmed up, Klarna filed for its IPO, and the Benjamin Button of the sea |
Finimize

Hi Reader, here's what you need to know for November 14th in 3:05 minutes.

  1. US inflation picked up slightly last month, but at least Americans’ earnings kept up
  2. Every stock has a story, and its numbers don’t always tell it – Read Now
  3. Klarna, the Swedish "buy now, pay later" maven, has submitted its hotly awaited US IPO filing

✨ Shiny, happy investing ideas. Join us for How To Tap Into Your Gold Opportunity and discover how to add a glittering safe haven to your portfolio. Grab your free ticket

Inflation Got Warmer
Inflation Got Warmer

What’s going on here?

US inflation heated up a touch last month, but there was a silver lining.

What does this mean?

US consumer prices rose 2.6% in October compared to a year ago – a tad quicker than September’s 2.4% pace, but in line with what economists were expecting. And the core inflation measure – which excludes volatile food and energy items – held steady at 3.3%. But the news wasn’t all bad for Americans: a separate report that combines consumer prices with wage data showed that real (i.e. inflation-adjusted) earnings were still rising at a healthy pace, climbing 1.4% in October from a year ago.

Why should I care?

The bigger picture: No cause for alarm… yet.

The latest uptick in inflation isn’t likely to ruffle any feathers at the Federal Reserve (Fed), which has spent the past two and a half years fighting its way back to price stability. But what might keep the bank’s policymakers up at night is the prospect of a much bigger acceleration in consumer prices next year if the president-elect goes ahead with the trade policies touted on the campaign trail. He’s proposed a 10% minimum tariff on all imports and a 60% tax on all goods coming from China. According to Barclays, the measures would amount to an import-weighted average tariff of 17% – a lofty level not seen since 1935. Needless to say, that would lead to higher prices for American consumers and faster inflation, which could push the Fed to slow its interest rate cuts or even increase borrowing costs to address the flare-up.

For markets: Curbed enthusiasm.

The markets had been banking on seeing a few interest rate cuts in the next year, but since the election, folks are tempering those expectations. Traders now see rates falling by just 0.8 percentage points by the end of 2025. And that’s about half what they were anticipating a month ago.

Copy to share story: https://app.finimize.com/content/inflation-got-warmer

🙋 Ask a question

TODAY'S INSIGHT

Every Stock Has A Story: How To Invest Beyond The Numbers

Theodora Lee Joseph, CFA

Every Stock Has A Story: How To Invest Beyond The Numbers

Investing can feel like a tug-of-war between cold, hard data and captivating stories.

On one side, you have the number-crunchers, devoted to ratios and financial metrics. On the other, you have the storytellers, enchanted by a company’s mission and its potential to disrupt.

But here’s the reality: effective investing blends both figures and narrative.

That’s today’s Insight: every stock has a story – and its numbers don’t always tell it.

Read or listen to the Insight here

* SPONSORED BY PROSPERO.AI

Play the long game

Long-term investing can be the safest form of investment.

It involves buying and holding a diversified portfolio of stocks for years – not just for months, weeks, or hours.

And Prospero.ai could help you do it better. Its long-term signals are meant to give you insight into making more confident investment decisions.

Prospero’s long-term signals can help you rate stocks on their potential to increase or decrease in price (Upside and Downside Breakout), profitability, market similarity to the S&P 500, and potential growth.

The app, which uses AI-powered analysis to discover key insights, also has a helpful newsletter, and its stock picks have beaten the S&P 500 by over 50% in the last three years.

That makes for pretty good reading. So, if you want to make better decisions in investing for the long haul, then check out Prospero.ai.

Find Out More

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

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

The Big Leagues
The Big Leagues

What’s going on here?

Klarna, the Swedish guru of "buy now, pay later” financing, has finally filed for its long-anticipated US IPO.

What does this mean?

Investors have been waiting all year for news of this stock debut. Klarna’s alternative credit system – which lets shoppers split their purchases into interest-free payments – was everyone’s shopping buddy during the pandemic lockdowns and is already super popular with younger consumers. After all, Klarna isn’t just about payments: it offers perks like price alerts, personalized picks, and some much-loved exclusive deals. It’s recently ramped up its US game too, by partnering with big fish like Nike and H&M. The IPO details are still pretty hush-hush, but Klarna is expected to shoot for a valuation between $15 billion and $20 billion. That’s a serious drop from the $46 billion peak it saw in its 2021 pandemic heydey, but a hefty bounce higher from last year’s $6.7 billion.

Why should I care?

For markets: AI’s in the bag.

Klarna has been using AI to shave expenses and ramp up efficiency across the board. And that’s literally paid off: the company says its annual revenue per employee has jumped to $700,000 from $400,000 in just a year. And now it’s planning to shrink the current workforce by nearly half and hire some of the best and brightest AI talent to transform what’s left.

The bigger picture: USA! USA!

Klarna’s just the latest of Europe’s leading innovators to cross the pond and plant its stock’s roots in New York City. And, sure, that probably says as much about the state of Europe’s financial markets as it does about America’s. Still, it’s hard to imagine the trend reversing anytime soon, especially with even more investor-friendly policies likely on the horizon in the US.

Copy to share story: https://app.finimize.com/content/the-big-leagues

🙋 Ask a question

QUOTE OF THE DAY

"It's easy to fool the eye but it's hard to fool the heart."

– Al Pacino (an American actor)
Tweet this

Strategize with the best of them

When you’re ready to take investing to the next level, options trading can help you do that.

After all, options can be a powerful addition to your asset mix, offering a way to generate income and protect your portfolio.

But you’re not the type to leap before you look, and that’s why we’ve worked with IG to come up with a guide to options. It’ll take you through some key strategies for different market scenarios.

Our expert analyst will help you discover the benefits of two important approaches – covered calls and protective puts – with every part of the process covered from setting up to monitoring your trades.

So if you’re considering exploring your options, dive into our free guide.

Read The Guide

🎯 On Our Radar

1. The early bird catches the… air fryer. Some super early Black Friday deals for kitchenware.

2. You need a lot of time and knowledge to be a value investor. Well, unless you have a digital assistant to do the heavy lifting for you.*

3. Going electric. The best e-bikes for every kind of adventure.

4. Decode the numbers behind your trades. Find out how the "Greeks" can give you an edge in real-world market moves.*

5. If I could turn back time. These strange sea creatures can age backward.

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

🌍 Finimize Live

🤩 Grab your tickets...

All events in UK time.
🏅 How To Tap Into Your Gold Opportunity: 5pm, November 14th
💰 Spread Betting Versus CFDs: How To Trade Tax-Free: 5pm, November 19th
🚀 2024 Modern Investor Summit: December 3rd and 4th

Spotlighted Sessions:
🏡 Alternative Assets: Identifying Opportunities In Healthcare, Sustainable Energy And Real Estate: 5pm, December 3rd
💵 How To Build A Winning Portfolio With $10,000: 1pm, December 4th
🎓 Mastering ETFs To Capitalize On 2025’s Biggest Themes: 12:15pm, December 4th

Get your free ticket for the Modern Investor Summit

Thanks for reading Reader. If you liked today’s brief, we’d love for you to share it with a friend – here’s a link: Share this email

You stay classy, Reader 😉

Any thoughts on today’s email? Give feedback

Want to advertise with us? Get in touch

Image credits: Midjourney | Klarna

Preferences:

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 finimize.com or through one of our partners. © Finimize 2024

View Online

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

Older messages

🤖 ASML's winning

Friday, November 15, 2024

ASML delivered an optimistic outlook, an oil glut is on the way, and space photography | Finimize TOGETHER WITH Hi Reader, here's what you need to know for November 15th in 2:58 minutes. ASML

🇺🇸 Pro investors choose America

Tuesday, November 12, 2024

Fund managers profess their love of US stocks, Home Depot posted strong earnings, and a really hard Rubik's cube | Finimize TOGETHER WITH Hi Reader, here's what you need to know for November

🪙 Another bitcoin boom

Monday, November 11, 2024

Bitcoin hits a new record, China's trade surplus is bigger than ever, and the wet dog shake | Finimize TOGETHER WITH Hi Reader, here's what you need to know for November 12th in 3:08 minutes.

🇨🇳 China's $1.4 trillion plan

Friday, November 8, 2024

Defense and energy companies prepare for growth, China tries to prop up local government, and misunderstood dolphins | Finimize TOGETHER WITH Hi Reader, here's what you need to know for November

✂️ A double cut

Thursday, November 7, 2024

The US and UK central banks announced interest rate cuts, investors are risking it in the US, and a little extra sleep | Finimize TOGETHER WITH Hi Reader, here's what you need to know for November

You Might Also Like

Is your Medicare coverage falling short?

Tuesday, December 3, 2024

This may be the perfect time to get a Medigap plan Explore all your Medigap options All Medigap plans cover certain costs, such as copayments, coinsurance, and deductibles that Medicare doesn't

The Grass Isn’t Always Greener

Tuesday, December 3, 2024

Transplants are learning tough lessons ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌

Missed Out? Here’s Your Final Opportunity to Join F.A.S.T Profits!

Tuesday, December 3, 2024

Last call ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏

Dirt-cheap toys imported into U.S. can be dangerous

Tuesday, December 3, 2024

If you're tempted to buy kids' toys at rock-bottom prices online this holiday season, consumer advocates want you to think twice — and maybe three times. View this email online Planet Money I

Adaptation is to mitigation what Robin is to Batman

Tuesday, December 3, 2024

Jenny Clark and Theresa Löber The UK's climate continues to change, getting wetter and warmer, with extremes becoming ever more pronounced. Even if we limit global warming to 1.5°C above pre-

🦾 OpenAI's big target

Monday, December 2, 2024

OpenAI is aiming for one billion users, China's manufacturing activity was up, and one intrepid cat | Finimize TOGETHER WITH Hi Reader, here's what you need to know for December 3rd in 3:14

Identity theft is more common than you might think

Monday, December 2, 2024

Three in 10 Americans were affected in 2023 ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌

The One-Big-Side-Bet Model of Wealth Creation

Monday, December 2, 2024

Plus! Diff Jobs; Building Japan's Financial Ecosystem; The New Balance of Trade; Where Return on Investment Goes; Broken ETFs; Swipe Fees and Accounting The One-Big-Side-Bet Model of Wealth

This is not a Cyber Monday deal

Monday, December 2, 2024

But you have one month free of Ellevest. ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌

Spring semester is approaching — are you ready?

Sunday, December 1, 2024

Invest in your career with a private student loan for grad school Your future starts today — apply for a private student loan Postgraduate studies can propel your career forward, helping unlock higher