To The Moon

For years, investors were conditioned to expect the same sequence: inflation cools, interest rates fall, liquidity improves, and growth stocks get another valuation boost. What if that sequence takes much longer than expected? With the U.S. 10-year Treasury yield around the 5.3% area recently, I think the more useful question is not, “When will rates finally fall?” It is: How do I make money if high rates simply become normal? My answer is not to abandon stocks. It is to raise the hurdle rate for every dollar I invest. The 5% Problem for Stocks When safe government debt offers around 5%, stocks face real competition for capital. That matters especially for companies whose valuations depend heavily on profits many years into the future. But I don't think all equities should be treated equal

Hi guys rasinbunlover here! This is my first post so I’d appreciate your view and a follow if you like my content:) Came across an interest chart, since March, the US 10Y yield has risen from ~3.95% to 5.28%. Over the same period, $MCD has fallen ~32% from its high. Almost a perfect mirror image MCD vs 10Y 🔍 Why does McDonald trade “against” yields? McDonald's is mature, slow-growing, dividend-heavy and carries a lot of debt. So the market prices it partly like a bond: Higher yields = its steady future cash flows are worth less today A 5%+ Treasury competes directly with its dividend Higher rates slowly raise its own borrowing costs 💰 What the selloff has done to the valuation Forward dividend yield ~3.3%, the highest in over a decade (dividend just raised to $1.93/quarter) P/E at its low

The market has spent years getting used to the idea that interest rates will eventually come down. But what if they don’t come down as quickly as investors expect? That is the scenario I’ve been thinking about lately. A higher-for-longer rate environment changes the investment equation. It doesn’t necessarily mean avoiding stocks altogether. Instead, I think it makes valuation, cash flow, balance-sheet strength and earnings quality much more important. When money is expensive, companies have to work harder to justify aggressive expansion. A business that needs constant access to cheap debt can look very different when financing costs remain elevated. At the same time, companies with strong free cash flow and limited debt have more flexibility. For me, the biggest question isn’t simply: “Wi

Look, you'll know if you’ve been through a few market cycles, that when index gets this concentrated, when stock market gets this volatilethe world  get dangerous. During this rare and temporary extreme in the markets, I'll share how you can safely compound your wealth in the next report set yourself up for passive, work-free retirement income. One that could pay down all your expenses and continue growing over time... Without taking huge risks. And if you want to take advantage of overlooked stock market opportunities, picking up blue-chip outperformers, low-risk high dividend dominators, and more Look into various good stock to choose from ,A flood of capital keeps pushing the biggest AI & tech stocks higher and higher. Today, conditions have changed - bond yields are rising, in

【Money Market Fund】 US$ MMF Net 7-day Yield: +3.66%* During the week, US treasuries sold off, with yields rising amid strong PMI data, rising energy prices, and a weak 5-year auction. US 30Y treasury yields reached 5.49% on 25 Sep 2026 (Fri). Looking ahead, a hawkish Fed, geopolitical uncertainty and market volatility would affect the trajectory of rates. * 7-day net yield is calculated based on calendar days and NAVs in 5-decimal. 【REITs】 $CSOP iEdge SREIT ETF S$(SRT.SI)$ YTD total return: -8.00% As of 25 Sep 2026, SRT declined 1.01% WTD, bringing its YTD total return to -8.00%. WTD losses were led by industrial, retail and data center by subsector, and CLAR, CICT and FCT by individual REIT. On the macro data front, Singapore core inflation ro

While higher rates do discount more of future corporate profits, fast earnings growth can outrun that. Wall Street analysts expect S&P 500 profits to grow 29% this quarter, and are raising estimates, not cutting them. Historically, stocks typically broke down only after long-term yields climbed 2–2.5% (and they’re up just 1.2% since February’s low).What happens if stocks do stumble? Bonds might be the answer. Since 1990, US Treasuries have typically cushioned the impact when stocks fell 5% or more. And if stocks keep rising instead, that’s fine too: history shows that when bond yields start this high, it has usually meant strong five-year returns. A 5% starting yield, plus the diversification bonds provide, is a compelling combination – even if fixed income isn’t the most popular kid i

The global macroeconomic landscape has decisively shifted from an era of ultra-low, zero-interest-rate policy (ZIRP) to a persistent "higher-for-longer" structural interest rate regime. In this article, we would like to share how we would navigate the higher-for-longer rate regime, with buying high yields across longer-duration fixed-income instruments while selectively buying cash-flowing, high-quality equities to avoid the risk of my cash yields dropping later. 1. The Strategic Imperative of Locking in Long-Duration Yields For years following the global financial crisis and the pandemic shock, investors grew accustomed to near-zero benchmark interest rates. Yield-seeking capital crowded into risky assets or lingered in ultra-short cash equivalents. However, the subsequent monetary tighte

High rates for longer? I’d change what I call “defensive.” If interest rates stay elevated for longer, I wouldn’t simply move everything into cash and wait. I’d look for companies that can fund themselves, generate real cash flow and still grow without relying heavily on cheap debt. That changes the way I’d look at the market. Instead of chasing the highest-growth names, I’d pay more attention to: 💰 Strong free cash flow — businesses that can fund growth internally. 🏦 Healthy balance sheets — less exposure to refinancing risk if borrowing costs remain high. 📈 Pricing power — companies that can protect margins when costs stay elevated. 💵 Shareholder returns — buybacks or dividends become more interesting when capital has a higher opportunity cost. I’d also keep some dry powder. Higher rates

$Halliburton(HAL)$ signed memoranda of understanding with Brazil's Eneva and Venezuela's WESCA to explore oil and gas projects in Venezuela. The agreements, disclosed September 21, position Halliburton for a recovery in a country with enormous reserves and degraded infrastructure. They do not yet provide the security of funded, enforceable service contracts. Reuters' report on the agreements describes them as exploratory pacts amid renewed foreign interest. The bullish case is service intensity. Years of underinvestment mean Venezuelan fields need drilling, completions, well intervention, software and maintenance. Halliburton can earn from activity without assuming the full commodity risk of owning reserves. Early positioning may produce customer r

🌟🌟🌟When crude oil prices shoot past USD 100 a barrel, that pain isn't just felt at the pump.  It sends a massive shockwave straight through Wall Street. Right now, everyday families are feeling the squeeze.  Worse yet, the latest inflation numbers show that general prices are stuck at 3.4%.  Things simply aren't cooling down. If you are a new investor, you need to know the golden rule of this market: high oil prices act like a giant tax on the economy.  Money is being violently dragged out of normal businesses and poured directly into the pockets of oil giants. If you leave your money sitting in the wrong investments, inflation will slowly est away at your savings.   But you don't have to just sit there and take the hit.  You can fight back by changing wh

Hello everyone, is oil gonna go up, predictions for the next Days?

Look Back, Trade Forward | Reflect on August, Plan for September August was a month worth looking back on, not just because of the numbers, but because of the lessons, discipline, and small wins along the way. I’m grateful for the opportunity to earn a few thousand dollars through my trades last month. These wins are more than just P&L on a screen, they’re slowly becoming future vacation funds, a reminder that consistent execution can create something meaningful beyond the market. One of the things I enjoyed most last month was taking the time to share the Iron Condor as a playbook, breaking down the idea of defined risk, positioning, probability, and patience. Writing about the strategy also made me reflect on my own process. Sometimes, teaching what you trade helps you understand you

I have come here especially to buy mooncake to take back to Australia. The traditional teochew yam paste mooncake from Crown Hotel has been shifted over here. Took me a while to find the hotel - Amara. I was basically walking passed the entrance without realisation! Ended up having lunch here as well. I was not too hungry, and they offer dim sum lunch, which suits my current lack in appetite. Had a balanced diet, a porridge (abalone anyone?), beancurd rolls and siu mai, washed down with a fine pot of Chinese tea. Oh... I forgot its free starter, a guava with dried orange peel! Totally gently sweet and refreshing...  It's not your normal dim sum... a classy one. Oh... Let's forget the price for this nice meal 😜 Let's just say the service and ambience makes up for it to give the meal a

Come on and how.... let's goookoo

ServiceNow

My pick: D. ServiceNow. Salesforce has delivered the most eye-catching AI growth, but I believe ServiceNow has the strongest long-term AI monetization story. The reason is simple: ServiceNow doesn’t just provide AI assistants—it owns critical enterprise workflows across IT, HR, customer service and operations. That gives its AI agents a natural path from answering questions to actually executing tasks and automating processes. As companies shift from paying for software seats toward paying for AI agents, workflows and outcomes, ServiceNow could capture a larger share of enterprise spending. Salesforce’s Agentforce growth is impressive, while Microsoft has unmatched distribution and infrastructure. CrowdStrike remains a cybersecurity AI leader. But for pure AI-driven expansion of software

I think the biggest change in the software narrative is that AI is no longer automatically viewed as a threat. Salesforce and CrowdStrike are showing that companies with proprietary data and deeply embedded workflows can monetize AI and potentially increase the value of their platforms. Personally, I’m most interested in Salesforce & $ServiceNow(NOW)$ because their AI agents are being integrated into enterprise workflows, creating opportunities to charge for agents, tasks and usage instead of just user seats. Microsoft remains a strong contender, but the key is whether AI translates into higher contract values and recurring cash flow. For me, the next few quar

For months, investors treated AI as an existential threat to software companies. The latest earnings reports offered a different possibility: companies with proprietary enterprise data and deeply embedded workflows may be able to charge for AI instead of being replaced by it. Salesforce surged 22.6%, CrowdStrike climbed 20.5%, while the iShares Expanded Tech-Software Sector ETF gained roughly 7.6%. ServiceNow and Palo Alto Networks also joined the rebound. Salesforce: Agentforce is starting to generate real revenue Salesforce reported fiscal Q2 revenue of $11.35 billion, up 11% year over year, and raised its full-year revenue outlook to $46.1–46.4 billion. The AI numbers attracted even more attention: Agentforce and Data 360 ARR approached $3.9 billion, up 210%. Agentforce ARR exceeded $1.

The Nasdaq fell while the Dow advanced. Nvidia and memory stocks sold off, while Visa, Mastercard, JPMorgan, Coca-Cola and Expedia moved higher. Money is not necessarily leaving U.S. equities—it is becoming more selective. The most important signal from the latest session was not the index decline itself. It was the widening divergence between market sectors. Nasdaq: -0.76% S&P 500: -0.28% Dow Jones: +0.26% QQQ: approximately -1.0% Technology ETF XLK: approximately -1.8% Equal-weight S&P 500 ETF RSP: +0.1% The contrast was even clearer at the stock level. AI and semiconductor names weakened: Nvidia: -2.9% Micron: -5.9% Sandisk: -6.5% Broadcom: -2.6% Semiconductor ETF SMH: -2.5% Meanwhile, financials and selected consumer names attracted buyers: Financial ETF XLF: +1.3% JPMorgan: +1

Second-quarter $S&P 500(.SPX)$ earnings appear spectacular: aggregate profit increased roughly 52% from a year earlier. A large share of that growth, however, came from unrealised gains on stakes in private artificial-intelligence companies. The underlying earnings expansion remains strong, but investors should distinguish operating performance from gains that can reverse without a dollar of cash entering the business. The clearest example is $Amazon.com(AMZN)$. It reported on July 30 for the quarter ended June 30 that net income rose to $62.6 billion from $18.2 billion. Yet $53.4 billion of quarterly non-operating pretax income came primarily from investments in Anthropic. Amazon’s operating income s

For years, investors were conditioned to expect the same sequence: inflation cools, interest rates fall, liquidity improves, and growth stocks get another valuation boost. What if that sequence takes much longer than expected? With the U.S. 10-year Treasury yield around the 5.3% area recently, I think the more useful question is not, “When will rates finally fall?” It is: How do I make money if high rates simply become normal? My answer is not to abandon stocks. It is to raise the hurdle rate for every dollar I invest. The 5% Problem for Stocks When safe government debt offers around 5%, stocks face real competition for capital. That matters especially for companies whose valuations depend heavily on profits many years into the future. But I don't think all equities should be treated equal

The market has spent years getting used to the idea that interest rates will eventually come down. But what if they don’t come down as quickly as investors expect? That is the scenario I’ve been thinking about lately. A higher-for-longer rate environment changes the investment equation. It doesn’t necessarily mean avoiding stocks altogether. Instead, I think it makes valuation, cash flow, balance-sheet strength and earnings quality much more important. When money is expensive, companies have to work harder to justify aggressive expansion. A business that needs constant access to cheap debt can look very different when financing costs remain elevated. At the same time, companies with strong free cash flow and limited debt have more flexibility. For me, the biggest question isn’t simply: “Wi

【Money Market Fund】 US$ MMF Net 7-day Yield: +3.66%* During the week, US treasuries sold off, with yields rising amid strong PMI data, rising energy prices, and a weak 5-year auction. US 30Y treasury yields reached 5.49% on 25 Sep 2026 (Fri). Looking ahead, a hawkish Fed, geopolitical uncertainty and market volatility would affect the trajectory of rates. * 7-day net yield is calculated based on calendar days and NAVs in 5-decimal. 【REITs】 $CSOP iEdge SREIT ETF S$(SRT.SI)$ YTD total return: -8.00% As of 25 Sep 2026, SRT declined 1.01% WTD, bringing its YTD total return to -8.00%. WTD losses were led by industrial, retail and data center by subsector, and CLAR, CICT and FCT by individual REIT. On the macro data front, Singapore core inflation ro

Hi guys rasinbunlover here! This is my first post so I’d appreciate your view and a follow if you like my content:) Came across an interest chart, since March, the US 10Y yield has risen from ~3.95% to 5.28%. Over the same period, $MCD has fallen ~32% from its high. Almost a perfect mirror image MCD vs 10Y 🔍 Why does McDonald trade “against” yields? McDonald's is mature, slow-growing, dividend-heavy and carries a lot of debt. So the market prices it partly like a bond: Higher yields = its steady future cash flows are worth less today A 5%+ Treasury competes directly with its dividend Higher rates slowly raise its own borrowing costs 💰 What the selloff has done to the valuation Forward dividend yield ~3.3%, the highest in over a decade (dividend just raised to $1.93/quarter) P/E at its low

The global macroeconomic landscape has decisively shifted from an era of ultra-low, zero-interest-rate policy (ZIRP) to a persistent "higher-for-longer" structural interest rate regime. In this article, we would like to share how we would navigate the higher-for-longer rate regime, with buying high yields across longer-duration fixed-income instruments while selectively buying cash-flowing, high-quality equities to avoid the risk of my cash yields dropping later. 1. The Strategic Imperative of Locking in Long-Duration Yields For years following the global financial crisis and the pandemic shock, investors grew accustomed to near-zero benchmark interest rates. Yield-seeking capital crowded into risky assets or lingered in ultra-short cash equivalents. However, the subsequent monetary tighte

Look, you'll know if you’ve been through a few market cycles, that when index gets this concentrated, when stock market gets this volatilethe world  get dangerous. During this rare and temporary extreme in the markets, I'll share how you can safely compound your wealth in the next report set yourself up for passive, work-free retirement income. One that could pay down all your expenses and continue growing over time... Without taking huge risks. And if you want to take advantage of overlooked stock market opportunities, picking up blue-chip outperformers, low-risk high dividend dominators, and more Look into various good stock to choose from ,A flood of capital keeps pushing the biggest AI & tech stocks higher and higher. Today, conditions have changed - bond yields are rising, in

While higher rates do discount more of future corporate profits, fast earnings growth can outrun that. Wall Street analysts expect S&P 500 profits to grow 29% this quarter, and are raising estimates, not cutting them. Historically, stocks typically broke down only after long-term yields climbed 2–2.5% (and they’re up just 1.2% since February’s low).What happens if stocks do stumble? Bonds might be the answer. Since 1990, US Treasuries have typically cushioned the impact when stocks fell 5% or more. And if stocks keep rising instead, that’s fine too: history shows that when bond yields start this high, it has usually meant strong five-year returns. A 5% starting yield, plus the diversification bonds provide, is a compelling combination – even if fixed income isn’t the most popular kid i

High rates for longer? I’d change what I call “defensive.” If interest rates stay elevated for longer, I wouldn’t simply move everything into cash and wait. I’d look for companies that can fund themselves, generate real cash flow and still grow without relying heavily on cheap debt. That changes the way I’d look at the market. Instead of chasing the highest-growth names, I’d pay more attention to: 💰 Strong free cash flow — businesses that can fund growth internally. 🏦 Healthy balance sheets — less exposure to refinancing risk if borrowing costs remain high. 📈 Pricing power — companies that can protect margins when costs stay elevated. 💵 Shareholder returns — buybacks or dividends become more interesting when capital has a higher opportunity cost. I’d also keep some dry powder. Higher rates

🌟🌟🌟When crude oil prices shoot past USD 100 a barrel, that pain isn't just felt at the pump.  It sends a massive shockwave straight through Wall Street. Right now, everyday families are feeling the squeeze.  Worse yet, the latest inflation numbers show that general prices are stuck at 3.4%.  Things simply aren't cooling down. If you are a new investor, you need to know the golden rule of this market: high oil prices act like a giant tax on the economy.  Money is being violently dragged out of normal businesses and poured directly into the pockets of oil giants. If you leave your money sitting in the wrong investments, inflation will slowly est away at your savings.   But you don't have to just sit there and take the hit.  You can fight back by changing wh

$Halliburton(HAL)$ signed memoranda of understanding with Brazil's Eneva and Venezuela's WESCA to explore oil and gas projects in Venezuela. The agreements, disclosed September 21, position Halliburton for a recovery in a country with enormous reserves and degraded infrastructure. They do not yet provide the security of funded, enforceable service contracts. Reuters' report on the agreements describes them as exploratory pacts amid renewed foreign interest. The bullish case is service intensity. Years of underinvestment mean Venezuelan fields need drilling, completions, well intervention, software and maintenance. Halliburton can earn from activity without assuming the full commodity risk of owning reserves. Early positioning may produce customer r

The Nasdaq fell while the Dow advanced. Nvidia and memory stocks sold off, while Visa, Mastercard, JPMorgan, Coca-Cola and Expedia moved higher. Money is not necessarily leaving U.S. equities—it is becoming more selective. The most important signal from the latest session was not the index decline itself. It was the widening divergence between market sectors. Nasdaq: -0.76% S&P 500: -0.28% Dow Jones: +0.26% QQQ: approximately -1.0% Technology ETF XLK: approximately -1.8% Equal-weight S&P 500 ETF RSP: +0.1% The contrast was even clearer at the stock level. AI and semiconductor names weakened: Nvidia: -2.9% Micron: -5.9% Sandisk: -6.5% Broadcom: -2.6% Semiconductor ETF SMH: -2.5% Meanwhile, financials and selected consumer names attracted buyers: Financial ETF XLF: +1.3% JPMorgan: +1

I have come here especially to buy mooncake to take back to Australia. The traditional teochew yam paste mooncake from Crown Hotel has been shifted over here. Took me a while to find the hotel - Amara. I was basically walking passed the entrance without realisation! Ended up having lunch here as well. I was not too hungry, and they offer dim sum lunch, which suits my current lack in appetite. Had a balanced diet, a porridge (abalone anyone?), beancurd rolls and siu mai, washed down with a fine pot of Chinese tea. Oh... I forgot its free starter, a guava with dried orange peel! Totally gently sweet and refreshing...  It's not your normal dim sum... a classy one. Oh... Let's forget the price for this nice meal 😜 Let's just say the service and ambience makes up for it to give the meal a

🌟🌟🌟The post earnings carnival has hit a massive wall of global reality.  The S&P500 slipped 0.69% while the tech heavy Nasdaq 100 tumbled 1.33% today as skyrocketing global bond yields and relentless USD 90+ oil prices choked out equity momentum. While high flying tech sectors suffered sharp mid day reversals, the S&P 500 Energy Sector Index was the lone green beacon on Wall Street, surging 1.8% to eye an all time high. Why is The Market Tumbling Today? The sudden slide isn't an isolated anomaly.  It is a direct consequence of a massive worldwide bond market rout crushing speculative valuations: The Multi Decade Yield Spike: The US 30 year Treasury Bond yield blasted to a fresh 19 year high of 5.33%.  Spilling from a hot economic print in Japan, global borrowing cost

Second-quarter $S&P 500(.SPX)$ earnings appear spectacular: aggregate profit increased roughly 52% from a year earlier. A large share of that growth, however, came from unrealised gains on stakes in private artificial-intelligence companies. The underlying earnings expansion remains strong, but investors should distinguish operating performance from gains that can reverse without a dollar of cash entering the business. The clearest example is $Amazon.com(AMZN)$. It reported on July 30 for the quarter ended June 30 that net income rose to $62.6 billion from $18.2 billion. Yet $53.4 billion of quarterly non-operating pretax income came primarily from investments in Anthropic. Amazon’s operating income s

For months, investors treated AI as an existential threat to software companies. The latest earnings reports offered a different possibility: companies with proprietary enterprise data and deeply embedded workflows may be able to charge for AI instead of being replaced by it. Salesforce surged 22.6%, CrowdStrike climbed 20.5%, while the iShares Expanded Tech-Software Sector ETF gained roughly 7.6%. ServiceNow and Palo Alto Networks also joined the rebound. Salesforce: Agentforce is starting to generate real revenue Salesforce reported fiscal Q2 revenue of $11.35 billion, up 11% year over year, and raised its full-year revenue outlook to $46.1–46.4 billion. The AI numbers attracted even more attention: Agentforce and Data 360 ARR approached $3.9 billion, up 210%. Agentforce ARR exceeded $1.

🐶💰 Today I had an Options Puppy kind of day at Marina Bay Sands — but instead of sitting in front of my screen all day, I went shopping while learning about companies that own some of the world’s biggest luxury brands. I think this is one of the most interesting ways to learn about investing: sometimes I can understand a company better by actually seeing its stores, customers and products in the real world. 🏙️✨ Walking around MBS, I could see luxury brands such as Gucci, Hermès and other high-end retailers. It reminded me that behind every luxury shop is a real business with revenue, margins, customers, inventory and shareholders. When I see people browsing, buying and enjoying these brands, I can connect what I see in the shopping mall to what I read in company earnings reports.

U.S. retail sales fell 0.6% in July, raising fresh concerns about consumer spending. Earnings from Walmart, Target, Home Depot, Lowe’s and TJX will show whether Americans are simply becoming more selective—or starting to cut spending more broadly. Retail Earnings Calendar Aug. 18: Home Depot Aug. 19: Target, Lowe’s and TJX Aug. 20: Walmart Together, these companies cover several layers of the U.S. consumer economy: StockWhat It Tests WMT Essentials, value-seeking and trade-down demand TGT Discretionary spending on apparel, beauty and home goods HD Housing activity and large renovation projects LOW DIY demand and professional contractors TJX Consumer demand for discounted merchandise 1. Retail Sales Sent an Early Warning U.S. retail sales declined 0.6% month over month in July, versus expec

$Reddit(RDDT)$’s admission to the S&P 500 creates an unusually large, near-term source of demand for its shares. It does not, by itself, change the company’s advertising economics, user growth or competitive position. Distinguishing those two effects is essential after Friday’s double-digit rally. S&P Dow Jones Indices announced after the August 13 close that Reddit will replace AvalonBay Communities in the benchmark before trading begins on August 18. J.P. Morgan estimated that index funds will need to acquire 16.7 million Reddit shares—nearly three times the stock’s average daily volume since its March 2024 listing. S&P’s official index announcement confirms the timing, while Reuters’ August 14 report provides the passive-fund estima

Hedge funds pile into the next frontier of AI compute and orbital infrastructure The latest batch of 13F filings, covering the second quarter of 2026, reveals an unusual degree of consensus among the industry’s most closely watched managers. Across multi-strategy giants, long-short equity specialists and concentrated growth funds, a clear thematic tilt has emerged: a decisive pivot towards the physical infrastructure required to sustain the artificial intelligence boom, alongside a fresh embrace of newly public space and advanced semiconductor plays. Citadel Advisors, whose equity book swelled to $875bn, disclosed fresh stakes in SpaceX (now trading as SPCX following its mid-year IPO), Cerebras Systems (CBRS) and Quantinuum. Coatue Management, Altimeter Capital, Point72 and Appaloosa all s

My Investing Muse (17Aug2026) Layoffs, closures and Delinquencies Summary of top layoff news (10–16 August 2026):Imperial Brands planned thousands of job cuts in the US and Europe for cost savings, with US notifications starting around 19 August (starting with HR/finance roles). Oracle prepared a new round of layoffs (some teams facing double-digit cuts) by early September to fund AI infrastructure after earlier large reductions. Rapid7 announced a ~12% workforce cut (roughly 300 jobs) to refocus on its core cybersecurity platform. Tyson Foods filed notice to close its Eagle Mountain, Utah plant, affecting 723 workers, as part of broader beef operations restructuring amid a severe cattle shortage (also impacting Illinois and Washington sites). FedEx cut about 173 jobs and closed facilities