Podcasts about CIO

With markets drifting and conviction thinning, Rob Carver joins Niels to take stock of a moment that feels suspended... not quite crisis, not quite calm. They discuss why recent rule changes around bank capital and crypto assets may carry more weight than headlines suggest, and what falling shipping volumes might be whispering about global demand. Rob breaks down the math of drawdowns, the tension between Kelly sizing and real-world volatility, and how systematic managers can fool themselves into thinking they're diversified. It's a conversation about structure, discipline, and why most edges today come from avoiding mistakes rather than discovering secrets.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Rob on Twitter.Episode TimeStamps: 01:07 - What has caught out attention recently?01:23 - Rob and Niels have done the unthinkable02:59 - Fed is rolling back important capital rules05:22 - What the shipping industry reveals about the economy07:33 - Industry performance update16:00 - Q1, William: Is it possible to apply the concept of decomposing returns in commodity trading?27:24 - Q2, Raphael: About estimating the full sharpe and Kelly of trend following37:03 - Q3, Dom: Has Rob come across any useful frameworks, research, or resources for designing systems that intentionally combine systematic structure with discretionary judgment?41:52 - Are all managers the same, although we all claim to be different?52:26 - Why are bond...

On episode 197 of The Compound and Friends, ⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠ and ⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠ are joined by Cole Wilcox, Founder, CEO and CIO of Longboard Asset Management to discuss: all things trend following, using systems to overcome emotion, technical analysis, Nvidia, the new generation of investors, and much more! This episode is sponsored by Public. Find out more at: https://public.com/compound Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠ Public disclosure: All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. *Rate as of 3/5/25. APY is variable and subject to change. **Terms and Conditions apply. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's guest is Victor Haghani, founder and CIO of Elm Wealth, which focuses on managing wealth with an emphasis on diversification, low fees, and tax efficiency. He's also the author of The Missing Billionaires: A Guide to Better Financial Decisions. In today's episode, Victor explores the Crystal Ball challenge, and how position sizing can be even more important than knowing tomorrow's news headlines. He also addresses the role of disciplined asset allocation in investment strategy, and how foreign stocks might stack up against US equities going forward. Finally, Victor touches on the relationship between expected return, fair value, and mean reversion, and whether or not the markets have a fair value at all. (0:00) Starts (1:45) Introduction of Victor Haghani (2:01) "Tomorrow's Newspaper Today" study (11:46) The Merton share (19:34) Elm Wealth's asset allocation strategy (24:02) Behavioral and tax implications in investing (39:19) Market timing models (56:01) Consumer behavior and Roth IRA conversions (1:02:05) Macro & mean reversion (1:06:08) Victor Haghani's most memorable investment ----- Follow Meb on X, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Sponsor: YCharts enables financial advisors to make smarter investment decisions and better communicate with clients. Get 20% off your initial YCharts Professional subscription when you start your free trial. Follow The Idea Farm: X | LinkedIn | Instagram | TikTok ----- Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more.  ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here!  ----- Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Learn more about your ad choices. Visit megaphone.fm/adchoices

Manpreet discusses with Ray how investors can position themselves to take advantage of potential market volatility as the Trump trade truce expires. They also share their views on the Japanese equities market and conclude with a discussion on oil price and the Canadian dollar amid the risk events in the Middle East.Find out more from our latest Weekly Market View report here.Speakers:Manpreet Gill, CIO of Africa, Middle East & Europe (AME/E) and Head of Fixed Income, Currency and Commodities (FICC) Strategy, Standard Chartered BankRay Heung, Senior Investment Strategist, Standard Chartered Bank

Jerry Luftman, Ph.D. (https://www.linkedin.com/in/luftman/) is Founder & Managing Director of the Global Institute for IT Management. After 22 years at IBM—culminating as CIO—he built one of the world's largest Information Systems programs at Stevens Institute of Technology, then launched GIIM to close the leadership gap between fast-moving tech and slower-moving organizations. His Strategic Alignment Maturity Model is used by one-third of Global 1000 firms, and his annual IT-trends study is an industry benchmark.In this episode, Chris and Jerry cover:Why AI & blockchain projects stall—and the fixes that workThe four leadership skills every technologist needs in 2025Co-branding executive programs with universities and enterprisesUsing the Strategic Alignment Maturity Model to measure digital readinessConnect with Jerry:LinkedIn: https://www.linkedin.com/in/luftman/Website: https://www.globaliim.comBooks: https://www.amazon.com/Competing-Information-Age-Align-Sand-ebook/dp/B0054WBO3G?ref_=ast_author_mpbMaximize your marketing, close more clients, and amplify your AUM by following us on:Instagram: https://instagram.com/ultrahighnetworthclientsTikTok: https://tiktok.com/ultrahighnetworthclientsYouTube: https://www.youtube.com/@uhnwcFacebook: https://www.facebook.com/UHNWCPodcastTwitter: https://twitter.com/uhnwcpodcastiTunes: https://podcasts.apple.com/au/podcast/ultra-high-net-worth-clients-with-chris-brodhead/id1569041400Spotify: https://open.spotify.com/show/4Guqegm2CVqkcEfMSLPEDrWebsite: https://uhnwc.comWork with us: https://famousfounder.com/faDISCLAIMER: This content is provided by Chris Brodhead for general information only. It is not an offer to buy or sell securities. Investing involves risk of loss. Consult a qualified advisor before making decisions.

988: In this episode of Technovation, we feature a panel from the Metis Strategy Summit moderated by Metis Strategy's Co-Head of Executive Networks, Media, and Research Steven Norton, exploring how senior technology executives are aligning AI to their business strategy. Joining the conversation are Ryan Snyder, CIO of Thermo Fisher Scientific; Ramkumar Rayapureddy, CIO of Viatris; and Allen Fazio, CIO of Houlihan Lokey. Together, they share how their organizations are evolving from isolated AI pilots to holistic strategies grounded in business value, robust governance, and relentless data modernization. The panelists discuss the practical realities of establishing clear measurement frameworks, navigating the tension between centralized control and decentralized innovation, and leading cultural change as AI adoption accelerates across regulated and fast-moving industries.

Is the Fed setting the stage for another policy blunder? As inflation pressures linger and economic growth slows, Lance Roberts & Michael Lebowitz break down the risks of the central bank's next move—and what it could mean for your money on this morning's episode of #TheRealInvestmentShow. The Market Rally is ON, yet oil prices are telling a different story about the economy. President Trump could be picking a successor to Fed Chairman Jerome Powell sooner than later. Lance and Michael expose the Fed's political "independance," and it's proclivity for financial socialism. The Fed is always late...and always wrong. The true role of the Fed is to protect its member banks. Jerome Powell doesn't mind being late. The ill-fated push to lower bank's minimum reserve requirements. Again. (Did we not learn from the past?) SEG-1: Vacation Prelude - The Rally is On SEG-2: The Folly of the Fed & Financial Socialism SEG-3: Economic Data Shows Weaking - Will the Fed be too late? SEG-4: The Fed is Always Wrong RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=U8wHxhOOWMQ&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles mentioned in this show: "Iran Struck By U.S.: Markets, Risk, and Rational Investing" https://realinvestmentadvice.com/resources/blog/iran-stuck-by-u-s-markets-risk-and-rational-investing/ "The Dollar's Death Is Greatly Exaggerated" https://realinvestmentadvice.com/resources/blog/the-dollars-death-is-greatly-exaggerated/ "Oil Price Rise, Not Tariffs, Will Cause CPI To Tick Up" https://realinvestmentadvice.com/resources/blog/oil-price-rise-not-tariffs-will-cause-cpi-to-tick-up/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "What Oil Prices Are Saying About the Economy," is here: https://www.youtube.com/watch?v=jiMvWO2ZDX8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Bulls Are Back in Town," https://www.youtube.com/watch?v=fZ-J2YfNC5w&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketRally #BullishMarket #OilPrices #Tariffs #FederalReserve #InterestRates #InflationOutlook #RecessionRisk #FedMistake #FinancialMarketsToday #GeopoliticalRisk #StockMarketNews #IranUSConflict #MarketRally #BullishMarket #OilPrices #Tariffs #IranIsraelConflict #SmartInvesting #MarketVolatility #InvestingAdvice #Money #Investing

Get ready for a special episode as Mark McEvily takes the mic live from a recent investment conference where he led a high-powered panel discussion on the 2025 market outlook.On the Panel: Scott Martin, CIO of Kingsview Partners, and Travis Upton, CEO & Partner of The Joseph Group

TitleClosing the Gender Investing Gap – Meet Dr. Sylvia Kwan CEO & CIO at EllevestGuestDr. Sylvia Kwan, CFA®, CAIA®CEO & CIO EllevestWebsitewww.ellevest.comAbout Dr. KwanDr. Sylvia Kwan, CFA®, CAIA® is the Chief Executive Officer and Chief Investment Officer at Ellevest. Dr. Kwan is a Chartered Financial Analyst with more than 30 years of industry experience. Prior to Ellevest, she founded SimplySmart Asset Management and held senior portfolio management positions at Financial Engines and Charles Schwab. She also serves on the Board of Exit 182, the investment committee that oversees the endowment of Grinnell College.Disclosure© 2025 Ellevest, Inc. All Rights Reserved.The information provided should not be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice.Investing entails risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.The information provided does not take into account the specific objectives, financial situation or particular needs of any specific person.Ellevest, Inc. is an SEC-registered investment adviser. Registration with the SEC does not imply a certain level of skill or training. Membership fees and additional information can be found at www.ellevest.com.

In this episode of the Center for Investment Excellence podcast, hosted by David Lebowitz, the focus is on the transportation sector amidst a backdrop of global economic uncertainty. Andy Dacey, CEO and CIO of J.P. Morgan Asset Management's Global Transportation Group, joins the discussion to explore how macroeconomic factors, such as trade tariffs and geopolitical tensions, are influencing transportation assets like shipping, aviation, and rail. The conversation delves into the implications of recent policy changes, the evolving global trade routes, and the strategic considerations for transportation investments.

Bob Elliott joins Cem Karsan and Niels Kaastrup-Larsen for a conversation about what happens when strong economic data masks a deeper structural shift. The income engine still runs, but tariffs, labor scarcity, and immigration limits are quietly rewiring the system. Inflation may not fall the way people expect. Profit margins may not hold. And capital may start flowing away from the US for the first time in a generation. This isn't a cycle call. It's a question of what kind of economy we are becoming—and whether portfolios built for the past can survive what's coming.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Cem on Twitter.Follow Bob on Twitter.Episode TimeStamps: 02:58 - Revisiting the Income Driven Expansion12:30 - Inflation Dynamics and Economic Policy15:31 - The Dynamics of Labor and Immigration27:58 - Strategic Decoupling and Its Implications32:04 - The Economic Implications of Manufacturing in China42:13 - Economic Growth and Market Dynamics48:28 - The Evolving Landscape of Investment Strategies53:25 - Understanding Alpha Strategies and Portfolio Diversification01:01:10 - The Dynamics of Hedge Fund Strategies and Correlation01:09:34 - Global Macro Trends and Financial DecouplingCopyright © 2024 – CMC AG – All Rights Reserved----PLUS: Whenever you're ready... here are 3 ways I can help

In this episode of Builders Wanted, we're joined by Eric Helmer, Chief Technology Officer at Rimini Street. Eric shares his insights on how to modernize mission-critical systems without compromising performance. Learn about the misconceptions about tech modernization, the importance of agility and flexibility in tech stacks, and the shift from reactive to proactive IT roles.-------------------Key Takeaways:The importance of modernizing critical systems without diving headfirst into vendor-driven migrations to the cloud.Transparency in operations and involving end-users early in the process can build trust and ensure smoother transitions.By optimizing existing configurations and processes before implementing new technologies, organizations can achieve significant cost savings and efficiency gains.------------------- “ When you show organizations that you genuinely want to help them by showing them all the different options that they have in an agnostic way, it's a really best way to build fantastic relationships and keep that engagement simple and strategic. You have to figure out where you're going to spend your budgets. You have to take the emotion out of it. You gotta take tradition out of it and boil it down to data points that create obvious best choices.” – Eric Helmer-------------------Episode Timestamps:‍*(02:08) - How Eric defines his mission as a builder‍*(06:12) - One major shift in how IT leaders approach long-term transformation‍*(13:49) - How Eric keeps customer engagement simple and strategic ‍*(22:05) - A recent transformation Eric is proud of ‍*(28:19) - A low-profile change that made a surprising difference‍*(36:27) - One thing every CIO should start or stop doing‍-------------------‍Links:Connect with Eric on LinkedInConnect with Kailey on LinkedInLearn more about Caspian Studios‍-------------------SponsorBuilders Wanted is brought to you by Twilio – the Customer Engagement Platform that helps builders turn real-time data into meaningful customer experiences. More than 320,000 businesses trust Twilio to transform signals into connections—and connections into revenue. Ready to build what's next? Learn more at twilio.com.

Market speculation is at an all time high, yet there are economic surprises in store that could shake things up. There is now an illusion of economic strength. Lance discusses the recent reversal of the Death Cross in the S&P and NASDAQ; the Gold Cross is at an all time high. Lance and Danny address the new push to make private equity investing available for "the little guy," and the illusion of limited volatility. Beware the "good deals;" Wall Street will always find something to sell you if you want to buy it. The fallacy of "above average" gains in private equity; you never hear about the deals that go sour. A political sidetrack into the supposed fate of the Big Beautiful Bill and Term Limits. Danny and Lance review a Vanguard report on the average balances of 401k's (beware "average" comparisons!). SEG-1: Market Speculation Has Gone Bonkers SEG-2: The Private Equity Push SEG-3: The Fallacy in "Above Average" Gains SEG-4: How Does Your 401k Compare to National Averages? RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=fZ-J2YfNC5w&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Articles mentioned in this show: "Iran Struck By U.S.: Markets, Risk, and Rational Investing" https://realinvestmentadvice.com/resources/blog/iran-stuck-by-u-s-markets-risk-and-rational-investing/ "The Dollar's Death Is Greatly Exaggerated" https://realinvestmentadvice.com/resources/blog/the-dollars-death-is-greatly-exaggerated/ "Oil Price Rise, Not Tariffs, Will Cause CPI To Tick Up" https://realinvestmentadvice.com/resources/blog/oil-price-rise-not-tariffs-will-cause-cpi-to-tick-up/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "Markets' Trajectory Remains Bullish," is here: https://www.youtube.com/watch?v=DRzdiS6C1vc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Is WW III Off the Table?" https://www.youtube.com/watch?v=aTZR3PEvaxc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketRally #BullishMarket #BuyTheDip #IranIsraelConflict #WorldWar3 #GeopoliticsAndMarkets #WarImpactOnStocks #GlobalConflict #FinancialMarketsToday #GeopoliticalRisk #StockMarketNews #IranUSConflict #401k #PrivateEquity #PrivateEquityETF #SpaceX #SuperSavers #SmartInvesting #MarketVolatility #InvestingAdvice #Money #Investing

Satya Jayadev, Vice President & CIO, Skyworks Solutions Inc. joins host Lee Rennick at IDC Directions where they discuss building business velocity through Agentic AI and the tech ecosystem.

Eric Veiel, head of Global Investments and CIO at T. Rowe Price Associates, chats with Darren Woods, chairman and CEO of ExxonMobil to discuss the future for the energy industry, how we can better achieve net-zero targets, and what makes a good CEO.

Today, we'll talk about Azure Landing Zones, with insights from Microsoft's Jack Tracey. What are landing zones, to be more exact? We touch topics on application and platform landing zones, networking, architectures, infrastructure as code, and many others.(00:00) - Intro and catching up.(02:30) - Show content starts.Show links- Azure Landing Zones | Cloud Adoption Framework- Azure Landing Zone Accelerator- Azure Landing Zone Brownfield- Development environments- Give us feedback!

Die Themen im heutigen Versicherungsfunk Update sind: § 34k GewO kommt: Vermittlung von Ratenkrediten wird reguliert Ab dem 20. November 2026 benötigen Vermittler von Raten- und Verbraucherkrediten eine eigene Erlaubnis nach § 34k GewO. Der Gesetzentwurf sieht eine neue IHK-Sachkundeprüfung, Weiterbildungspflichten und Registereintragungen vor – eine „Alte-Hasen-Regelung“ entfällt. Der AfW fordert ausreichende Prüfungskapazitäten und kritisiert Ausnahmen für Absatzfinanzierer scharf. IDEAL bekommt neuen Kapitalanlage-Vorstand Marc Schwetlik übernimmt ab Oktober 2025 das Kapitalanlageressort bei der IDEAL Versicherungsgruppe. Er folgt auf Karlheinz Fritscher, der nach 20 Jahren im Unternehmen zum Jahresende ausscheidet. Schwetlik war zuvor CIO der Bayerischen. DEVK wächst stark – Rekord im Neugeschäft, Rückversicherung treibt Konzern Die DEVK steigert 2024 ihre Beitragseinnahmen um 12,4 % auf 5,4 Mrd. EUR. Das Neugeschäft erreicht mit 1,1 Mrd. EUR ein Rekordniveau. Besonders kräftig wuchs die Kfz-Versicherung (+21,3 %). Die Rückversicherung bleibt Hauptwachstumstreiber, das Kapitalanlageergebnis legt um 16,9 % zu. Für 2025 erwartet der Konzern weiteres Wachstum, u. a. durch neue Produkte in der Altersvorsorge. Pangaea Life setzt auf Walnut Live für digitalen Fondsvertrieb Die Pangaea Life GmbH nutzt ab sofort die Vertriebsplattform Walnut Live für den digitalen Vertrieb ihres Anlageprodukts „Pangaea Life Institutional Co-Invest US Residential“. Damit können Finanzberater das nachhaltige US-Immobilieninvestment vollständig digital zeichnen. Walnut Live bietet Funktionen wie Videoberatung, Co-Browsing und CRM. Laut Anbieter wurden durch die Plattform bereits 128.000 Seiten Papier und 350.000 Fahrtkilometer eingespart. ERGO stärkt Geschäft in Nordeuropa Die ERGO Group AG hat ihre dänische Reiseversicherungsgesellschaft und den norwegischen Krankenversicherer zur neuen ERGO Forsikring A/S fusioniert. Mit Sitz in Kopenhagen soll das pan-nordische Unternehmen Wachstum in Dänemark, Norwegen und Schweden vorantreiben. Tarifliche Ausbildungsvergütungen steigen deutlich Im Ausbildungsjahr 2024/25 steigen die tarifvertraglichen Ausbildungsvergütungen um durchschnittlich 6,4 %. In vielen Branchen liegen die Einstiegsvergütungen inzwischen über 1.000 EUR im Monat – besonders hoch in Pflege, Banken und Industrie. Stärkster Zuwachs mit +18,6 % im Backhandwerk. Hintergrund ist der zunehmende Fachkräftemangel.

In this compelling episode of Partnering Leadership, Mahan Tavakoli is joined by David Espindola, a futurist and strategic advisor with deep expertise in technology, AI, and leadership. As the author of The Exponential Era and Soulful, Espindola brings a unique lens to the conversation—one that blends exponential technology insight with a deep understanding of human-centered leadership. His background, which spans Silicon Valley startups and CIO roles, grounds his perspective in both vision and practicality.Together, they explore how artificial intelligence is no longer just a functional tool—it's a force that's reshaping how organizations operate and how leaders must lead. Espindola challenges the outdated mental models that many executives still rely on and explains why thinking exponentially—not linearly—is now a leadership imperative. The speed of change, he argues, requires not just faster decision-making, but a fundamental rewiring of strategic planning itself.Beyond urgency, the conversation offers a thoughtful framework for action. Espindola urges leaders to see AI not as a threat, but as a collaborator—a sparring partner that, when used well, can expand creativity, sharpen insight, and unlock new value. At the same time, he issues a warning about over-delegating thought and judgment to machines. The leaders who thrive, he says, will be those who bring a uniquely human edge to this new era.The episode also dives into the qualities that will define great leadership in an AI-powered world—empathy, intrinsic motivation, and adaptability. Espindola makes the case for “soulful strategy”—an approach rooted not just in efficiency but in meaning and trust. For CEOs, board members, and senior leaders rethinking their relevance and impact in a fast-moving world, this episode delivers timely insights and a powerful call to lead differently.Actionable TakeawaysYou'll learn why most strategic plans are outdated before they're even executed—and what kind of strategic thinking leaders need insteadHear how to shift from using AI as an assistant to engaging it as a thought partner that challenges and elevates your ideasDiscover why exponential change breaks traditional leadership models—and how to respond without falling behindHear why the ability to ask good questions is becoming more valuable than having the right answersLearn how AI is disrupting entry-level pathways—and what that means for how leaders must develop talentExplore why AI can mimic empathy, but trust and meaning still require human leadershipHear how leaders can design organizations that adapt, experiment, and continuously learnLearn how ungoverned AI usage across your organization may already be exposing you to riskDiscover why AI must move from a tech issue to a board-level strategy conversationHear why talking to your frontline may be the most important move for understanding how AI is already shaping your businessConnect with David EspindolaDavid Espindola Website David Espindola LinkedIn Connect with Mahan Tavakoli: Mahan Tavakoli Website Mahan Tavakoli on LinkedIn Partnering Leadership Website

In this episode of The Distribution, host Brandon Sedloff sits down with Brendan Wallace, CEO & CIO of Fifth Wall, to explore the firm's founding thesis, its investment philosophy, and the evolving intersection of real estate and technology. Brendan shares his unique career path—from real estate private equity at Blackstone to launching a successful tech startup sold to Workday—offering rare insight into how his dual experience in tech and real estate shaped the creation of Fifth Wall. He outlines how the firm's strategic LP model allows them to drive technology adoption within the real estate sector, and discusses the broader opportunity that comes from modernizing a traditionally analog industry. The conversation also touches on the firm's investing strategy, views on AI and data, and why Brendan believes the next wave of leading real estate platforms will be launched in the coming years. They discuss: * Why Fifth Wall's LP base of real estate incumbents gives it a strategic advantage in venture investing * How Brendan's early tech exit and institutional finance background informed his venture model * The challenges of real estate's slow tech adoption, and which firms are actually driving change * Brendan's view on the overhyped promise of proprietary data in the AI era * Why now may be the best time in a generation to launch a new real estate investment platform A valuable conversation for anyone exploring the future of real estate, venture capital, or building at the intersection of both. Links: Fifth Wall - https://www.fifthwall.com/ Brendan on LinkedIn - https://www.linkedin.com/in/brendanfitzgeraldwallace/ Brandon on LinkedIn - https://www.linkedin.com/in/bsedloff/ Juniper Square - https://www.junipersquare.com/ Topics: (00:00:00) - Intro (00:01:11) - Brendan's background and career (00:18:29) - The birth of Fifth Wall (00:24:18) - The real estate tech revolution (00:28:54) - Big wins and real estate technology adoption (00:31:09) - Challenges and mistakes in real estate tech adoption (00:33:16) - Incentives and barriers to technology adoption (00:38:09) - The future of real estate and technology (00:45:10) - Fifth Wall's investment strategy and market trends (00:47:58) - Advice for aspiring real estate tech entrepreneurs (00:57:20) - Conclusion and contact information

Is the threat of World War III finally off the table? Lance Roberts breaks down the latest developments in global conflict and what they mean for financial markets. From oil prices and defense stocks to safe-haven assets like gold and Treasuries, we'll unpack how investors should think about geopolitical risk now. Are markets too complacent—or is the worst truly behind us? Is Apple dead? Lance addresses a YouTube Chatroom query with analysis of how Apple continues to do well, despite a paucity of innovation; why 420 ETF's all own Apple; the evolution of the smartphone. Why you need Apple in your portfolio. What is the next narrative of the Summer? Is the Fed trapped (again)? SEG-1: Markets & The End of WW3 SEG-2 Is Apple Dead (It's not growing...) SEG-3: Why You Need Apple in Your Portfolio SEG-4: Cease Fire Violations & Summer's Next Narrative RIA Advisors Chief Investment Strategist Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=aTZR3PEvaxc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Articles mentioned in this show: "Iran Struck By U.S.: Markets, Risk, and Rational Investing" https://realinvestmentadvice.com/resources/blog/iran-stuck-by-u-s-markets-risk-and-rational-investing/ "The Dollar's Death Is Greatly Exaggerated" https://realinvestmentadvice.com/resources/blog/the-dollars-death-is-greatly-exaggerated/ "Oil Price Rise, Not Tariffs, Will Cause CPI To Tick Up" https://realinvestmentadvice.com/resources/blog/oil-price-rise-not-tariffs-will-cause-cpi-to-tick-up/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "Markets' Bullish Prelude to July," is here: https://www.youtube.com/watch?v=DiUwcZ7ujqU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "U.S. Strikes Iran: How to Invest When Geopolitics Explode" https://www.youtube.com/watch?v=L5GDPILjaAY&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketRally #MarketConsolidation #BullishMarket #IranIsraelConflict #WorldWar3 #GeopoliticsAndMarkets #WarImpactOnStocks #GlobalConflict #FinancialMarketsToday #GeopoliticalRisk #StockMarketNews #IranUSConflict #SmartInvesting #MarketVolatility #InvestingAdvice #Money #Investing

In this episode of the Tyler Tech Podcast, Rita Reynolds, CIO at the National Association of Counties (NACo), returns to share forward-looking insights on the evolving technology landscape in county government.Recorded live at the Tyler Connect conference in San Antonio, this conversation explores NACo's 2025 technology priorities — from the rising significance of AI and IT modernization to the continued dominance of cybersecurity and the growing need to support smaller, rural counties.Rita walks us through the development and impact of the AI County Compass, a resource guiding local governments on how to responsibly integrate generative AI into their operations. She also details new hands-on programs like the CIO Reserves pilot, helping counties without dedicated IT leadership, and a national challenge aimed at modernizing legacy systems.Throughout the episode, Rita shares practical strategies for workforce development, cross-county collaboration, and making technology investments that strengthen infrastructure while keeping residents at the center.Tune in to hear how counties are turning emerging tech into actionable outcomes — and why partnership, planning, and policy are key to sustainable digital transformation.This episode also highlights “Resilient by Design: How Technology Supports Government,” our free e-book that explores how public sector agencies can strengthen their resilience in the face of disruption. From cloud infrastructure and automation to secure payment systems and crisis response tools, the e-book features real-world examples of how technology helps governments maintain continuity and serve their communities more effectively.Download: Resilient by Design: How Technology Supports GovernmentAnd learn more about the topics discussed in this episode with these resources:Download: NACo 2025 Technology PrioritiesDownload: NACo AI County Compass ToolkitDownload: How Priority Based Budgeting Saved Money in a Florida CountySubscribe: NACo County Tech XchangePodcast: Tech Transformation in CountiesBlog: Using Cloud-Based Solutions to Improve Access in CountiesListen to other episodes of the podcast.Let us know what you think about the Tyler Tech Podcast in this survey!

June 24, 2025: Mathew Moss, SVP and CIO at New England Donor Services, joins Sarah to discuss the amazing stories and stubborn challenges in the world of organ donation. When hospitals process over 100,000 death referrals annually, how do cutting-edge systems determine which cases have life-saving potential? The conversation delves into the sobering reality that less than 50% of organ donors are registered, leading to hundreds of preventable deaths on waiting lists, while exploring how machine learning and real-time data streaming are revolutionizing a field where every minute counts. As Mathew shares the emotional weight of working with families on the worst day of their lives and the rush of innovating with technology that enables organs to be pumped outside the body for extended viability, listeners gain insight into a world where compassion meets precision engineering. Key Points: 03:13 Technology Integration in Organ Donation 08:30 The Emotional and Logistical Side of Donating 12:06 Community Outreach and Education 17:46 Future Innovations and Standout Stories 23:37 Lightning Round X: This Week Health LinkedIn: This Week Health Donate: Alex's Lemonade Stand: Foundation for Childhood Cancer

Chris Wallis, CEO and CIO at Vaughan Nelson, joins the podcast to discuss the US' actions against Iran, the market simultaneously approaching all-time highs, and pressure on Chairman Powell to cut rates.

Olzhas (Oz) Zhiyenkul, CEO and co-founder of Investbanq, joins Jeremy Au to share how his journey from post-Soviet Kazakhstan to launching a full-stack wealth operating system was shaped by hardship, global education, and the inefficiencies he witnessed firsthand across Asia's financial sector. They discuss how legacy systems fail family offices, why most wealth managers still operate on Excel, and how Investbanq aims to empower rather than replace relationship managers. Olzhas also recounts building boats from garbage on reality TV, reflects on cultural shocks from the UK to Singapore, and maps out his long-term vision for a digital-native wealth future. 06:21 He originally planned to become a nuclear physicist: His passion for math and physics drove dreams of commercializing cold fusion, but advice from a successful uncle led him to pivot toward finance for greater career stability and impact. 09:55 He moved to Singapore to manage a proprietary trading desk: A job offer brought him to Singapore, where he was initially overwhelmed by the heat but impressed by the country's legal, economic, and governance systems, eventually calling it home. 11:42 He rose to CIO of a fund before founding multiple ventures: After working across trading, fund management, and private banking, he identified widespread inefficiencies and started several businesses, including a software studio and wealth firm with co-founder Damir. 17:45 Investbanq was built after failed attempts to digitize wealth management: Disappointed by market solutions that only solved narrow problems, he built a modular operating system with BPMS, CRM, portfolio management, and client reporting, integrated across workflows. 26:50 On reality show Meet the Drapers, he chose discomfort over comfort: During a survival challenge with ex-military participants, Oz gave up the warm seat on a garbage-built boat to join his team in freezing water, valuing full effort over taking the easy role. Watch, listen or read the full insight at https://www.bravesea.com/blog/olzhas-zhiyenkul-legacy-systems-broken Get transcripts, startup resources & community discussions at www.bravesea.com WhatsApp: https://whatsapp.com/channel/0029VakR55X6BIElUEvkN02e TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea English: Spotify | YouTube | Apple Podcasts Bahasa Indonesia: Spotify | YouTube | Apple Podcasts Chinese: Spotify | YouTube | Apple Podcasts Vietnamese: Spotify | YouTube | Apple Podcasts

Send us a textSummaryIn this episode of the Leadership Bites podcast, Guy Bloom interviews Brad Englert, who shares his extensive career journey from Accenture to becoming a Chief Information Officer at the University of Texas at Austin. They discuss the importance of building authentic business relationships, the role of trust in influence, and strategies for effective networking. Brad emphasizes the need for intentionality in professional relationships and the significance of customer retention for business success. In this conversation, Brad Englert discusses the importance of understanding goals and aspirations in leadership, the significance of building relationships and managing expectations, and the necessity of creating a culture of openness and communication. He emphasizes the art of apology and accountability in leadership, and shares practical strategies for managing expectations effectively. The dialogue highlights the value of discretionary effort and the importance of fostering trust and collaboration within teams.TakeawaysBrad Englert has over 22 years of experience at Accenture.He transitioned from a successful career to a CIO role at a university.Building a culture of transparency and customer focus is crucial.Trust is the foundation of effective influence in business.Networking should focus on long-term relationships, not just transactions.Intentionality in relationships leads to better outcomes.Understanding others' goals is key to successful collaboration.Repeat customers are a sign of successful relationship management.Mentorship and continuous learning are vital in career development.Authentic relationships can withstand the test of time. Understanding goals and aspirations is crucial for effective leadership.People are not mind readers; communication is key.Building relationships requires vulnerability and openness.Discretionary effort comes from genuine care and interest in team members.Creating a culture of communication helps in managing expectations.The art of apology builds trust and accountability.Managing expectations is an ongoing process, not just annual reviews.Using techniques like 'Whoa' can help in managing urgent requests.Introverts can be encouraged to engage through structured processes.Fostering a supportive environment allows for innovation and challenge.Sound Bites"Be strategic and intentional.""Networking is longevity of relationship.""Use your words.""People are not mind readers.""Discretionary effort is the difference.""It's a muscle memory.""You can still be somebody that people trust.""I will get to the bottom of it.""You have to wipe the slate clean with me.""Just saying whoa gives the space and time."To find out more about Guy Bloom and his award winning work in Team Coaching, Leadership Development and Executive Coaching click below.The link to everything CLICK HEREUK: 07827 953814Email: guybloom@livingbrave.com Web: www.livingbrave.com

Our CIO and Chief U.S. Equity Strategist Mike Wilson explains why investors have largely remained calm amid recent developments in the Middle East.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist. Today on the podcast I'll be discussing how to think about the tensions in the Middle East for U.S. equities. It's Monday, June 23rd at 11:30am in New York. So, let's get after it. Over the weekend, the United States executed a surprise attack on Iran's nuclear enrichment facilities. While the extent of the damage has yet to be confirmed, President Trump has indicated Iran's nuclear weapon development efforts have been diminished substantially, if not fully. If true, then this could be viewed as a peak rate of change for this risk. In many ways this fits our overall narrative for U.S. equities that we have likely passed the worst for many risks that were weighing on stocks in the first quarter of the year. Things like immigration enforcement, fiscal spending cuts, tariffs and AI CapEx deceleration all contributed to dragging down earnings forecasts. Fast forward to today and all of these items have peaked in terms of their negative impact, and earnings forecasts have rebounded since Mid-April. In fact, the rebound in earnings revision breadth is one of the sharpest on record and provides a fundamental reason for why U.S. stocks have been so strong since bottoming the week of April 7th. Add in the events of this past weekend and it makes sense why equities are not selling off this morning as many might have expected. For further context, we looked at 23 major geopolitical events since 1950 and the impact on stock prices. What we found may surprise listeners, but it is a well understood fact by seasoned investors. Geopolitical shocks are typically followed by higher, not lower equity prices, especially over 6 to12 months. Only five of the 23 outcomes were negative. And importantly, all the negative outcomes were accompanied by oil prices that were at least 75 percent higher on a year-over-year basis. As of this morning, oil prices are down 10 percent year-over-year and this is after the actions over the weekend. In other words, the conditions are not in place for lower equity prices on a 6 to12 month horizon. Having said that, we continue to recommend large cap higher quality equities rather than small cap lower quality names. This is mostly a function of sticky long term interest rates and the fact that we remain in a late cycle environment in which the Fed is on hold. Should that change and the Fed begin to signal rate cuts, we would pivot to a more cyclical areas of the market. Our favorite sectors remain Industrials which are geared to higher capital spending for power and infrastructure, Financials which will benefit from deregulation this fall and software stocks that remain immune from tariffs and levered to the next area of spending for AI diffusion across the economy. We also like Energy over consumer discretionary as a hedge against the risk of higher oil prices in the near term. Thanks for tuning in; I hope you found today's episode informative and useful. Let us know what you think by leaving us a review; and if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!

Guy Adami and Dan Nathan discuss upcoming market-moving events such as FedEx and Nike earnings, Fed Chair Powell's testimony, and critical economic indicators like the PCE inflation reading. The conversation also covers the market's response to escalations in Iran, implications for crude oil prices, and the broader economic impact. The episode outlines market dynamics, investor sentiment, and strategic insights amid evolving global scenarios. After the break, Dan Nathan hosts Stephanie Guild, CIO at Robinhood. They discuss the Fed meeting outcomes, expectations on interest rates, and economic impacts of tariffs and geopolitical tensions. They delve into market reactions, S&P earnings projections, monetary policy, and investor sentiment. Stephanie provides insights on tech disruptions, AI's influence on the economy, stock market valuations, and opportunities beyond the mega-cap tech stocks. They also explore the strategic operations within Robinhood, such as their new asset management service and how they're leveraging AI to enhance customer experience. The conversation highlights the adaptability required in today's market environment and Robinhood's approach to staying competitive. —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

Over the weekend, the U.S. launched strikes against Iran's nuclear facilities. Of course, for Americans and the financial markets, the response from not only Iran but also Iran's allies will be critical. Lance Roberts describes a process of logical evaluation and portfolio risk management when markets experience turmoil: What matters most to investors? What do these attacks mean for earnings? How might geopolitics affect EOQ activity? [NOTE: Lance is on vacation next week, 6/30-7/4] Remembering the Japanese Carry Trade blow up vs Iran Bombings: There is not the same sense of urgency this time; markets have already moved-on. How will the Israel-Iran conflict play out? Watch "Top Gun." Likely outcomes will be higher oil prices, a stronger dollar, and weaker equities. SEG-1: Bombings in Iran: What Matters Most? SEG-2a: Lance's Summer Vacation Preview SEG-2b: Where's the Sense of Urgency? SEG-3: How the Iran-Israel Conflict Will Play Out SEG-4: Watching for Pickup in Volatility RIA Advisors Chief Investment Strategist Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=L5GDPILjaAY&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Articles mentioned in this show: "Iran Struck By U.S.: Markets, Risk, and Rational Investing" https://realinvestmentadvice.com/resources/blog/iran-stuck-by-u-s-markets-risk-and-rational-investing/ "The Dollar's Death Is Greatly Exaggerated" https://realinvestmentadvice.com/resources/blog/the-dollars-death-is-greatly-exaggerated/ "Oil Price Rise, Not Tariffs, Will Cause CPI To Tick Up" https://realinvestmentadvice.com/resources/blog/oil-price-rise-not-tariffs-will-cause-cpi-to-tick-up/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "Markets Respond to Iran Bombings," is here: https://www.youtube.com/watch?v=yWM3nfbeF2I ------- Our previous show is here: "Fed Day Preview: Will They or Won't They?" https://www.youtube.com/watch?v=MEf6M7XXCqQ&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #OilPrices #CrudeOil #Gold #USDollar #IranIsraelConflict #MarketRally #GeopoliticalRisk #StockMarketNews #IranUSConflict #SmartInvesting #MarketVolatility #InvestingAdvice #Money #Investing

June 23, 2025: Samme Diaz, Vice President of Advisory Services at Healthlink Advisors, joins Sarah for the news. How can healthcare organizations address the persistent challenge of EHR-driven nurse burnout when clunky interfaces and poor workflow integration continue to hinder their progress? And as Emory Healthcare pioneers the nation's first Apple-powered hospital environment, what possibilities emerge when consumer technology meets clinical care? Beyond the technology itself, Sarah and Samme draw from their CIO experience to examine the often-overlooked human elements of digital transformation. Key Points: 01:43 Nurses and EHR Burnout 06:52 Emory's Apple-Powered Hospital 14:34 Challenges and Opportunities News Articles:  Nurses Continue to Name EHRs a Top Driver of Burnout and Resignation in 2025, Black Book Nurses' Week Survey Emory Healthcare debuts 1st Apple-powered hospital

Please enjoy this encore of Career Notes. Jadee Hanson, CIO and CISO at Code 42, started her technology journey thanks to the help of a teacher in high school. She began college studying computer science and ended with a degree in computer information systems as it had more of the business side. Working in the private sector for companies such as Deloitte, Target and Code 42, Jadee gained experience and specialized in insider risk. She notes "utopia for me and my team is to get to a spot where the team is just firing on all cylinders and being really proactive about what's coming and what's changing." Jadee mentions she tries hard to do things that might scare her every day. For those interested in the field, especially young women, Jadee recommends they get involved and then stay curious. We thank Jadee for sharing her story with us.   Learn more about your ad choices. Visit megaphone.fm/adchoices

Please enjoy this encore of Career Notes. Jadee Hanson, CIO and CISO at Code 42, started her technology journey thanks to the help of a teacher in high school. She began college studying computer science and ended with a degree in computer information systems as it had more of the business side. Working in the private sector for companies such as Deloitte, Target and Code 42, Jadee gained experience and specialized in insider risk. She notes "utopia for me and my team is to get to a spot where the team is just firing on all cylinders and being really proactive about what's coming and what's changing." Jadee mentions she tries hard to do things that might scare her every day. For those interested in the field, especially young women, Jadee recommends they get involved and then stay curious. We thank Jadee for sharing her story with us.   Learn more about your ad choices. Visit megaphone.fm/adchoices

Some of the most effective portfolio components may generate little or no return on their own. In this episode, Niels Kaastrup-Larsen and Yoav Git explore that discomfort - why allocators often overlook strategies that offer the most structural value. Through a series of new research papers, they examine how negative correlation, volatility, and capital efficiency can outweigh standalone performance, and why trend following continues to challenge conventional assumptions. It's a conversation about construction over conviction, contribution over headline returns, and the gap between what improves a portfolio and what investors are willing to own.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Yoav on LinkedIn.Episode TimeStamps:00:13 - Introduction and latest update07:57 - Trend Following score card12:38 - Latest paper from R.G. Niederhoffer26:45 - Latest insights from Quantica Capital36:55 - Review of Soc Gen's latest report on the state of the CTA Industry44:52 - The Science and Practice of Trend-following Systems paper by Artur SeppResources discussed in this Episode:LINK SI353: From Tariffs to TrendsLINK SI353: Keeping up with the Trend-FollowersLINK SI353: The Science & Practice of Trend-Following SystemsCopyright © 2024 – CMC...

Oggi con Matteo e Raffaele facciamo un po' il giro, non tanto dell'Italia, ma delle notizie. Una di queste potrebbe far arrabbiare molto gli studenti al rientro dalla pausa estiva. 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Note dell'episodio What Italians Really Think About Their Politics - https://www.youtube.com/watch?v=BT7IvwSEUHE&t=7s Oggi si inizia dai banchi di scuola. Ma attenzione! Vietati i cellulari! Cosa ne pensate? Matteo e Raffaele ne parlano, e cercano di capire come funzionera'. Ma abbiamo proprio bisogno di avere sempre con noi il cellulare, e soprattutto, serve agli studenti? Il turista anonimo continua a colpire. Questa volta si sono seduti su una sedia. Quindi? Poveri turisti non possono nemmeno riposarsi un attimo tra un monumento ed un altro? Beh certo, possono riposarsi, ma non su una sedia di... Finiamo tutti a mare! Quest'anno le coste italiane sono apparentemente molto pulite, e c'e' una regione che ha vinto per essere la regione con il mare piu' pulito! Curiosi? Vi possiamo dare un indizio: Confina con Campania e Calabria. Indovinato? Trascrizione Raffaele: [0:23] Buongiorno Matteo. Matteo: [0:25] Buongiorno, come va? Raffaele: [0:28] Settimana scorsa avevo il fiatone perché avevo fatto le scale a piedi, attività fisica. Questa settimana ho il fiatone stando fermo. Matteo: [0:39] No, è arrivato il caldo. Raffaele: [0:42] 31 gradi, sopra il 60 per cento di umidità: si suda da fermi, si soffre maledettamente. Matteo: [0:54] Mannaggia. Speriamo che questa cosa non continui. Raffaele: [0:57] Sei andato via giusto in tempo. Il problema che mi pongo io, Matteo, è che se a giugno, a metà giugno, fa così caldo e si soffre così tanto, cosa succede a luglio e agosto? Cioè dove andiamo a finire? Matteo: [1:16] E dove andiamo a finire? Raffaele: [1:18] E pensa che ci sta ancora chi è sui banchi di scuola a studiare con questo caldo. Matteo: [1:29] La vita in Italia in questo momento è calda. Raffaele: [1:32] È molto molto calda. Tu, Matteo, ricordi quando hai fatto l'esame di maturità? La data. Matteo: [1:41] Era giugno, le prime due settimane di giugno. Raffaele: [1:45] Grosso modo di questi tempi. (Sì sì.) Io invece ebbi la sfortuna... il mio cognome inizia con la T, quando si selezionò la lettera per decidere da dove iniziare per fare gli esami orali, giustamente uscì proprio la A. Estratta a sorte la A, e quindi io ero l'ultimo di tutta la classe a fare l'esame. L'ho fatto, se non ricordo male, il 4 luglio. E sono andato a fare l'esame di maturità, non so se te l'ho mai raccontato, col costumino. Cioè il costume e sopra il pantalone: finito l'esame, la prova orale dell'esame di maturità, siamo andati direttamente al mare a festeggiare. Ma si può studiare con questo caldo? Si può stare sui libri a scuola con questo caldo? Matteo: [2:35] No, sicuramente no. Fortunatamente tutte le scuole, a parte gli esami, sono chiuse e riapriranno a settembre. Raffaele: [2:47] Sì, generalmente chiudono intorno al 10 giugno, ma già molto prima ci sono tanti studenti che, finite le interrogazioni, finiti i test, i compiti in classe, come si chiamano, lasciano la scuola generalmente verso la fine di maggio. E ha senso proprio per questo discorso del caldo, considera che non siamo neanche ancora in estate ma già fa così caldo. Quando rientreranno a scuola gli studenti, probabilmente troveranno una novità. Bello o brutta? Non lo so, bisogna chiederlo a loro. Matteo: [3:26] Ah, e che novità troveranno? Poveri studenti, poveri studenti. Raffaele: [3:31] Poveri. A partire da settembre 2025 il cellulare in classe sarà vietato anche agli studenti delle scuole superiori. Matteo: [3:42] E questa è una cosa interessante, è un approccio molto... non dittatoriale, mi sembra un po'... dittatoriale mi sembra troppo, però non me lo aspettavo. Raffaele: [3:55] È un approccio forte, no? È stato fatto l'esperimento con le scuole inferiori, chiamiamole così, quindi le scuole elementari, le scuole medie, e poi adesso si è deciso di espandere questo divieto alle scuole superiori. Alle scuole elementari è stato facilissimo: forse nessun bambino alle scuole elementari ha il cellulare. Anzi mi correggo: io conosco tanti bambini che hanno il cellulare in quarta o quinta elementare ma non lo portano proprio a scuola. Alle medie già comincia ad essere complicato perché un po' tutti hanno il cellulare. Al liceo, alle scuole superiori sarà complicato far rispettare questo divieto. Matteo: [4:44] È una cosa interessante anche perché sto cercando di pensare, cercando di empatizzare il più possibile con i ragazzi e i genitori, per quanto posso ovviamente, e non trovo un motivo per andare contro questa decisione: è giusto che tu non puoi usare il cellulare in classe. Raffaele: [5:12] Eh, siamo sempre nel discorso del libero arbitrio, no? In teoria gli studenti dovrebbero capire che non è il caso di utilizzare il cellulare durante la lezione. Spieghiamo un attimo bene come funziona a partire da settembre: praticamente all'ingresso in classe ci sarà una cassettina oppure si utilizzerà semplicemente il cassetto della cattedra dell'insegnante. E ogni studente che entra in classe, oppure quando entra il professore, i ragazzi devono consegnare il cellulare, mettere il cellulare in questa cassettina o nel cassetto, in modalità non disturbare, di modo che vibrazioni e suonerie non diano fastidio. E recuperare il cellulare in teoria alla fine della giornata ma in pratica quando il professore uscirà di classe, i ragazzi andranno a controllarsi le notifiche, salvo poi rimettere il cellulare a posto quando entra il professore dell'ora successiva. Ha senso così? Cioè alla fine è solo un togliere il cellulare agli alunni durante la lezione? Matteo: [6:27] Allora la questione è che abbiamo a che fare con ragazzi giovani che per una questione anche fisica hanno dei seri problemi a comportarsi in maniera logica. Perché si stanno ancora sviluppando e quindi hanno bisogno di avere a che fare con delle regole e con dei divieti, secondo me. Cioè non puoi basarti sempre e solo sulla logicità, e il ragionamento che dovrebbero fare gli studenti, che sono giovani. Raffaele: [7:14] Eh lo so, ma dirgli proprio "lasciate il cellulare qua, spegnete il cellulare, consegnatelo"... Potresti anche dire "spegnetelo però tenetelo voi, ci fidiamo." Perché poi alla fine è quello un po' il discorso. Tu dici: " Non mi fido." Matteo: [7:28] No, il discorso è proprio quello, il discorso è: si può arrivare a quello dopo una... è un po' come nelle disintossicazioni forti, tu mi insegni... No anche tu, se tu vuoi prendere meno caffè, sei arrivato in una situazione in cui ne stai prendendo tanto, non è che inizi a prenderne di meno. Vai un po' drastico i primi periodi. Raffaele: [7:55] Eh non lo so, non lo so, ci sono diversi approcci, per questo non è così semplice la questione, perché tu dici: il cellulare in classe è un male, quindi la soluzione è togliamo il cellulare. Matteo: [8:11] Ma in realtà il cellulare in classe è un male. Raffaele: [8:14] Dipende da cosa ci fai. Matteo: [8:16] Ma in questo momento lasciando stare il "vorrei che fosse", però se eliminiamo il "come vorrei che fosse la classe ideale oggi", il cellulare e l'uso del cellulare in classe distrae solamente. Raffaele: [8:40] Allora voglio chiarire un po' la mia posizione: io fondamentalmente sono d'accordo con te, nel senso che sono d'accordo che dire ad un tredicenne "tieni il cellulare acceso sul banco durante la lezione" è un invito a nozze per lui. E invece di sentirsi il professore di storia e filosofia, aprirà TikTok e si guarderà i video silenziosamente facendo finta di seguire. Quindi diciamo che è un modo per togliere questa distrazione. Idealmente non sarebbe necessario. Idealmente la lezione dovrebbe essere coinvolgente, e ti dirò di più, dovrebbe trovare un modo per coinvolgere i ragazzi attivamente. E perché non coinvolgere anche con l'uso del cellulare? Cioè per me la scuola dovrebbe andare verso una digitalizzazione massiccia, forte, soprattutto in Italia dove invece su questo siamo un po' indietro. Non ci sono abbastanza computer per tutti gli allievi, non ci sono i tablet per tutti e consentire l'utilizzo del cellulare, in maniera coordinata con l'insegnante eh, attenzione... può essere invece un modo per sopperire a questa mancanza. Idealmente, eh... Matteo: [10:03] Sono d'accordo con te. Idealmente. Ma poi basta che... ricordo le mie lezioni di informatica, e non so se tu hai mai fatto lezioni in aula computer in cui c'erano questi grandi computer, dietro i quali... erano così grandi che ti potevi nascondere dietro il monitor. E lo studente, il suo primo obiettivo quando... non il suo primo obiettivo nel senso che si sveglia e pensa che vuole fare questo.... Ma il cervello ha costanti, dà costanti impulsi per distrarti, sempre. E al primo momento noi, anche senza cellulari, perché entrambi abbiamo fatto i nostri studi durante un periodo in cui non c'era proprio il cellulare... Raffaele: [10:58] Usciva, ti dico la verità, si mandavano gli sms. Matteo: [11:01] Sì, vabbè, però, insomma, era così, non... oltretutto era vietato, non potevi metterti col cellulare sul banco. Raffaele: [11:15] Però mi ricordo che già all'ultimo anno di liceo noi avevamo quasi tutti il cellulare e ci mandavamo i messaggini, quindi già si presentava il problema. Non potevi, chiaro che non potevi, però nessuno ti sequestrava nulla. Matteo: [11:28] Eh no, però la questione è che adesso non solo puoi mandare messaggini ma per esempio puoi compromettere un compito in classe, certo probabilmente ci saranno delle metodologie per i quali se c'è il compito in classe il cellulare viene tolto o comunque viene spento o non lo so. Però già la maggior parte degli studenti è ignorante... Ma buttiamoli proprio i cellulari... Cioè secondo me il cellulare genericamente dovrebbe essere iniziato ad usare a 20 anni, perché crea una serie di problemi. A meno che non si inizi a scuola a fare educazione digitale, che può essere anche fatta con carta e penna, però ti iniziano ad educare a come usare i social, come comportarsi, cosa fare, cosa non fare, cosa evitare. Raffaele: [12:31] E qui convergiamo, Matteo: hai detto una cosa bellissima, esattamente quello che proporrei di fare io, perché il problema secondo me non è la distrazione del cellulare sul banco. Certo le elimini, non hai più la distrazione. Ma non educhi a gestire il cellulare, e secondo me il problema di tanti ragazzi di oggi è proprio quello. Pensa che la proposta successiva di questo governo è: niente social media sotto i 15 anni. E di questo poi ne riparliamo magari in un'altra puntata. Però è per dire che secondo me anche questo divieto non è per non far distrarre gli studenti, è per evitare che magari anche gli episodi di bullismo in classe vengano ripresi con i cellulari, poi questi video girino nelle chat, sui social media e creino problemi poi giganteschi. Il problema è proprio quello. Il problema è cosa ci fanno i ragazzi col cellulare. E quindi dovrebbero essere educati all'utilizzo consapevole del cellulare. Secondo me a partire dalla scuola, quindi non sequestrando i cellulari, ma insegnando come usare i cellulari in maniera utile e non fare danni con i cellulari. E poi chiaramente c'è l'altra faccia della medaglia, ovvero una volta usciti da scuola non è che "cellulare libero per tutti, tutta la giornata". Perché attualmente è così, no? La scuola dice "vi vieto il cellulare a scuola, a casa decideranno i genitori, fate quello che volete." Il problema è poi che in questa altra metà della giornata, anche i genitori, anche la famiglia deve continuare con questa educazione all'utilizzo della tecnologia. Matteo: [14:19] Sì sì sì sì, purtroppo l'educazione è un grande problema. Raffaele: [14:33] Dove eravamo rimasti? Ma inteso settimana scorsa? A Roma con i turisti che si rubavano le statue e le basi delle colonne: è successo di nuovo? Non dirmi che è successo di nuovo... Matteo: [14:49] È successo, più o meno. Niente monopattini, niente basi di colonne, ma a quanto pare dei turisti hanno fatto un guaio. Raffaele: [14:59] Un guaio bello grosso e bello caro, molto caro. Parliamo ancora di comportamenti sbagliati nei musei. Questa volta siamo a Verona, un museo che si chiama Palazzo Maffei, che ospita delle opere d'arte. In particolare un'opera d'arte di un artista contemporaneo italiano che si chiama Nicola Bolla, che ha riprodotto una sedia ispirata a uno dei quadri più famosi di Van Gogh. E l'ha riprodotta totalmente fatta di cristallo e Swarovski, quindi uno degli oggetti più fragili per definizione. Raffaele: [15:48] Ebbene, durante una visita a questo museo, una coppia quasi anziana, adesso non sappiamo molti dati, vediamo soltanto le immagini dei video di sorveglianza. Questa coppia di signori anziani, aspetta l'uscita della guardia poi si avvicina furtivamente alla sedia, che si chiama proprio "la sedia di Van Gogh". Fin lì tutto bene, puoi avvicinarti, puoi fare le tue foto. Solo che a un certo punto lui si china e si siede, si appoggia sull'opera d'arte. Adesso, secondo te: è fatta di cristallo, come può andare a finire? (Malissimo. In frantumi.) Esatto. La sedia si è immediatamente spaccata. E, tu dirai: i due mortificati avranno informato la guardia che stava poco distante in qualche altra sala. "Guardate, è successo questo, non volevo, l'ho urtata e si è rotta." Invece i furbastri sono scappati via, hanno fatto finta di nulla, hanno lasciato il museo e si sono dileguati. Le guardie del museo si sono accorte del danno troppo tardi, perché sono uscite dal museo per provare a rintracciare i colpevoli ma non li hanno potuti trovare. E quindi il museo ha fatto una denuncia contro ignoti, si dice in questo caso: è una cosa che è possibile fare quando non sai chi ha fatto il danno, il furto, fai una denuncia contro ignoti. E i carabinieri in questo caso si sono attivati, hanno preso la situazione molto seriamente, dal video sono riconoscibili in volto i due, si vede per bene l'abbigliamento, gli oggetti che portano con sé. E quindi per adesso non l'hanno trovati, ma chissà che non li troveranno a breve. Matteo: [17:55] Beh, ci sono spera... speriamo, ma non tanto per una questione di, come dire: "Voglio punirli". Però non vorrei che iniziasse questo nuovo sport di "fa il danno e poi scappa". Raffaele: [18:15] Sì, no, non va bene. Il danno, tra l'altro, la sedia vale tra i 15.000 e i 50.000 euro, quindi non parliamo di milioni di euro, però comunque è un danno non da poco. E hanno contattato l'artista: fortunatamente l'artista, dopo aver constatato i danni ha detto "ok, sì, la possiamo sistemare." Tra l'altro l'artista è stato intervistato dai giornali e l'ha presa sul filosofico, diciamo così. Ha detto "No, non ci sono rimasto male anzi ci ho visto qualcosa di ironico e positivo, mi è sembrata quasi una performance di arte moderna". Matteo: [19:00] Vabbè certo, è stata registrata, l'ha vista forse. Raffaele: [19:04] Eh, si sarà fatto una risata e ha detto "Mi ha dato persino lo spunto per la prossima opera da realizzare". Matteo: [19:11] Ah, incredibile. Raffaele: [19:13] "Sedia spezzata con turista immortalato accovacciato", chissà. Secondo me questo è il calore. Troppo caldo sta dando alla testa. Hai un antidoto per tutto questo caldo? Matteo: [19:26] Eh certo: andate a mare! Raffaele: [19:35] Eh vabbè ma il mare in Italia... Cioè l'Italia è tutta mare, è una penisola, c'è talmente tanto di quel mare che non sai dove andare. Dove andare a mare? Matteo: [19:48] Possiamo chiederlo ai mitici della bandiera blu. Raffaele: [19:55] La bandiera blu è uno degli strumenti che si utilizza in Italia per identificare le condizioni del mare delle spiagge italiane. Dare una bandiera blu ad una spiaggia vuol dire che lì l'acqua è pulita e bella, è l'idea di massima. Quest'anno in Italia, nel 2025, abbiamo 246 bandiere blu, quindi abbiamo almeno 246 posti da scegliere per avere l'acqua eccellente e addirittura recentemente c'è stato uno studio dei laboratori delle agenzie ambientali che hanno fatto una statistica e hanno visto che la regione con l'acqua più pulita, inteso meno inquinata in tutta Italia, è la Puglia. Il 99,7% delle acque è eccellente, ha una qualità eccellente, quindi l'acqua meno inquinata, praticamente 99,7% vuol dire che è perfetta. (Non male.) Più nello specifico, Matteo, tra l'altro le bandiere blu confermano questo trend e anche il maggior numero di bandiere blu in tutta Italia ce l'hanno Liguria, Puglia e Calabria, quindi si conferma la Puglia tra le migliori destinazioni. Tu sei stato in Puglia, sei stato al mare, ricordi qualche spiaggia, ti va di consigliarmi quella che secondo te è la spiaggia più bella d'Italia o la spiaggia più bella in cui sei stato in Italia? Matteo: [21:40] Allora, io sono stato in Puglia sì. Sono stato nel Gargano. Quindi la parte vicino al tallone dello stivale. E poi sono stato al confine con la Puglia, nel Molise, più verso nord. Siamo andati ogni tanto, siamo sconfinati in Puglia, spiagge un po' più sabbiose. Non sono andato ma dicono che un posto meraviglioso sono le isole Tremiti. Raffaele: [22:18] Eh sì. Matteo: [22:20] Che sono di fronte la Puglia e il Molise. Raffaele: [22:23] Esatto, sono un po' bistrattate, vuol dire maltrattate, spesso dimenticate quando si parla di isole italiane perché pensano tutti quanti alle isole della Sicilia. Mentre invece le Tremiti in Puglia sono una destinazione turistica bella, bella, bella. Matteo: [22:45] Sì. Raffaele: [22:46] Io sono stato in Puglia, non sono stato a mare in Puglia, perché sono stato in inverno, anche nei luoghi insomma che poi d'estate sono belli affollati. Però non ho avuto la possibilità di godere della spiaggia quando sono stato in Puglia. Quindi la mia selezione varia un po' tra Lazio e Campania soprattutto. Ed in particolare ti voglio raccomandare in Campania Marina d'Ascea, anche qui Bandiera Blu, una bella spiaggia ampia, mare molto pulito. Ma non solo, ce ne sono tante. C'è Palinuro. C'è un posto adesso non mi ricordo neanche più come... insomma, in quale zona specificamente si trova. Quando eravamo più ragazzini con la famiglia andavamo in un posto che si chiama "lo scoglio della tartaruga". E si trova a Vico Equense, in provincia di Napoli, non troppo lontano da Sorrento. Ed era un posto fantastico perché tu arrivavi, poi dovevi prendere la barchetta e la barchetta ti portava in questa spiaggia. Si chiama scoglio della tartaruga perché ci sono dei sassi poco distante dalla spiaggia che hanno proprio la forma di una tartaruga. E c'era l'abitudine, adesso non penso sia più consentito, di arrampicarsi su questa tartaruga e tuffarsi dalla testa o dal guscio della tartaruga. Non ci sei mai stato? Non ne hai mai sentito parlare? Matteo: [24:27] No, ricordo vagamente. A Vico Equense ci sono stato spesso quando ero piccolo e tutta quella parte lì è fantastica, ci sono delle spiagge e dei panorami e dei profumi bellissimi. Pino, mi ricordo sempre questo profumo di pino, l'albero e il mare che assieme creano un... Guarda, mi sento a mare adesso solo a pensarci. Raffaele: [25:01] Eh, ma io... infatti questo è un esercizio psicologico. Se penso alla spiaggia e al mare, automaticamente mi rinfresco. Nel Lazio ti consiglio una spiaggia che si chiama Serapo. Tecnicamente la zona, la cittadina a cui appartiene si chiama Gaeta, quindi siamo tra Napoli e Roma, non troppo lontano da Terracina che menziono sempre. Ed è insomma una bella bella spiaggia. Occhio al traffico, non facilissima da raggiungere, bisogna parcheggiare, poi fare delle scalinate... però insomma merita. Secondo alcuni la spiaggia più bella in Italia invece è la spiaggia dei conigli a Lampedusa. Matteo: [25:46] Non ci sono mai stato, è molto famosa tant'è vero che ne ho sentito già parlare. Raffaele: [25:52] Eh sì, effettivamente guardare le foto... sembra di guardare i Caraibi o addirittura le Maldive o la Polinesia. Matteo: [26:02] Ce ne sono tantissime che ricordo in Sardegna. Raffaele: [26:06] Esatto, volevo dire questo. Cioè che ognuno può avere la sua preferita, io non sono mai stato in Sardegna, però secondo tanti le spiagge più belle in Italia sono proprio in Sardegna. Secondo posto forse per la Sicilia e poi Puglia ed altre. Però grosso modo l'idea collettiva è questa: le spiagge più belle in Italia sono in Sardegna. Sei mai stato a mare in Sardegna? Matteo: [26:36] Sì, sono stato a mare in Sardegna per un paio d'anni da giovane, liceale, sono andato con gli amici, ed è stato, penso, il mare più bello che abbia mai visto in vita mia: bellissimo. Limpidissimo. Raffaele: [26:59] Facciamo così: me ne parli un poco nel nostro after show, ci spostiamo di là e approfondiamo questo argomento, e anche qua parliamo di qualche altra cosa. Matteo: [27:12] È vero perché ho fatto qualcosa. Raffaele: [27:15] Cosa hai fatto? Matteo: [27:16] Mistero? Raffaele: [27:17] Mistero: se volete sapere cosa ha combinato Matteo dovete seguirci nel nostro after show. Ricordate che è uno dei nostri bonus per i sostenitori, i membri della nostra comunità. Quindi non perdete tempo, cliccate sul link nelle show notes, diventate sostenitori di Easy Italian, riceverete l'after show, la trascrizione integrale interattiva della puntata, la traduzione multilingue, ed il Vocab Helper che mostra a schermo fino a 10 tra le parole più importanti o più difficili minuto per minuto. E che vuoi di più dalla vita? Matteo: [27:55] Una spiaggia e del mare. Raffaele: [27:59] Io stavo per dire un Lucano... Matteo: [28:01] Ciao. Ciao.

Ray discusses with Manpreet the investment theme for 2H 2025: a weaker USD. They explore specific segments in equities and bonds that are likely to benefit from this trend. The discussion ends with strategies for hedging and mitigating risks amid renewed geopolitical tensions in the Middle East. Read our report to find out more https://av.sc.com/corp-en/nr/content/docs/wm-global-market-outlook-positioning-for-a-weak-dollar-20-june-2025.pdf Speakers: - Ray Heung, Senior Investment Strategist, Standard Chartered Bank - Manpreet Gill, CIO of Africa, Middle East & Europe (AME/E) and Head of Fixed Income, Currency and Commodities (FICC) Strategy, Standard Chartered Bank 

Dan Nathan and his co-host Guy Adami are joined by Peter Boockvar, CIO at Bleakly Financial Group. The discussion centers around recent statements from Fed Chair Jerome Powell, analyzing market reactions and economic forecasts, particularly in light of tariffs and inflation concerns. The hosts and guest delve into the Fed's stance on future rate cuts, the impact on GDP and inflation projections, and the broader implications for the labor market, housing sector, and global trade. Peter emphasizes the importance of unbiased risk management and offers a nuanced perspective on the potential economic repercussions of current fiscal policies. The episode also explores the role of the Federal Reserve, questioning whether market mechanisms should independently set interest rates. —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

People consistently overestimate their ability to predict whether a new product or feature will be a success. Instead of blithely going forward with a project that takes up lots of resources and yields minimal results, today’s guest says we should get our ideas into contact with external reality as quickly as possible, and maybe do... Read more »

People consistently overestimate their ability to predict whether a new product or feature will be a success. Instead of blithely going forward with a project that takes up lots of resources and yields minimal results, today’s guest says we should get our ideas into contact with external reality as quickly as possible, and maybe do... Read more »

In the AI era, trust is everything and it's under attack. How do you build digital trust when AI is changing the rules and attackers are getting smarter? Discover how today's CISOs are stepping up, adapting to AI risks, and learning from history to protect our digital future. In this episode of the Fit4Privacy Podcast, host Punit Bhatia is joined by Nick Shevelyov, a cybersecurity expert with extensive experience as a CISO and Chief Privacy Officer, and author of Cyber War and Peace. The discussion focuses on the evolving challenges for Chief Information Security Officers (CISOs) in the age of AI, highlighting risks such as deep fakes and hyper-targeted attacks. Nick emphasizes the importance of translating technical risks into business risks for board members and discusses the implications of new AI legislation, particularly California's SB 468.  Tune in to gain insights into managing digital trust, safeguarding personal data, and the strategic initiatives needed to combat emerging cybersecurity threats.  KEY CONVERSION POINT 00:01:50 How would you define the concept of trust 00:05:26 How do you place trust? How are they shifting? What kind of swans? 00:09:06 How are CISO coping with the change of AI era? 00:20:01 Insights in CISO Perspective for US/California direction in law of terms 00:23:06 About “Cyber War…and Peace: Building Digital Trust Today, with History as our Guide” book 00:27:50 How to get in touch with Nick   ABOUT GUEST Nick Shevelyov helps build next-gen tech companies from the ideation stage. His work includes StackRox (Kubernetes security, acquired by Red Hat for $400M), Kodem (software composition analysis, Greylock Series A), Bedrock Security (data-loss prevention, Greylock Series A), and Laminar (shadow data discovery, Insight Ventures Series A).He advises founders and CEOs on product and go-to-market strategy, boosting time-to-value for companies like Pixee.ai, Quokka.io, Boostsecurity.io, and ETZ. He works across all stages, from seed to IPO.Nick consults with Insight Partners (also an LP) and FTV Capital, and serves on advisory boards for ForgePoint Capital, Mayfield Fund, Evolution Equity Partners, NightDragon, YL Ventures, and Glynn Capital.He is on the boards of Cofense | Phishme and the Bay Area CSO Council (BACC), an invite-only group of CISOs from leading Bay Area companies. A former CIO, he is also an honorary member of the Blumberg Technology Council.Nick authored Cyber War…and Peace and brings historical and behavioral insights to tech and risk management. He holds an Executive MBA from USF and certifications from Stanford, Harvard, plus CISSP, CISM, and CIPPE.ABOUT HOST Punit Bhatia is one of the leading privacy experts who works independently and has worked with professionals in over 30 countries. Punit works with business and privacy leaders to create an organization culture with high privacy awareness and compliance as a business priority. Selectively, Punit is open to mentor and coach professionals.Punit is the author of books “Be Ready for GDPR” which was rated as the best GDPR Book, “AI & Privacy – How to Find Balance”, “Intro To GDPR”, and “Be an Effective DPO”. Punit is a global speaker who has spoken at over 30 global events. Punit is the creator and host of the FIT4PRIVACY Podcast. This podcast has been featured amongst top GDPR and privacy podcasts.As a person, Punit is an avid thinker and believes in thinking, believing, and acting in line with one's value to have joy in life. He has developed the philosophy named ‘ABC for joy of life' which passionately shares. Punit is based out of Belgium, the heart of Europe.  RESOURCES Websites: www.fit4privacy.com,www.punitbhatia.com,https://www.linkedin.com/in/nicholasshevelyov/, https://vcso.ai/   Podcast https://www.fit4privacy.com/podcast Blog https://www.fit4privacy.com/blog YouTube http://youtube.com/fit4privacy   

In the age of AI, there's no going it alone. Partnership is now an absolute necessity. This conversation between Colleen Kapase, VP of Channels and Partner Programs at Google Cloud, and Elaina Shekhter, EPAM's Chief Marketing and Strategy Officer, demonstrates the value of partnership done right. Their back-and-forth embodies the enduring partnership, and unshakable trust, that Goole Cloud and EPAM have built over the years. Kapase notes that the conversations she's had with partners were often about modernizing cloud infrastructure rather than more nuanced AI discussions. No more! “It's moved beyond a CIO conversation to a product conversation, to a CMO conversation.” Google and their partners are asking: “What are you doing to leverage AI to advance our products or offerings or processes and customer experience?” This kind of working is, Kapase says, an opportunity to “grow, grow, grow, grow” that can deeply impact their partners' customer experience and product development. Shekhter says that lately there has been much restructuring of the partner ecosystem and then asks bluntly: What is partnership *for?* “Just delighting the customer,” says Kapase. “I don't know if it gets any more complicated than that.” Complicating things somewhat, Shekhter wonders if her interlocutor has advice on how partnership can be customer-centric in AI-native transformation work. “It can sound basic, but communication is *so* important,” says Kapase. “It is really the basis of any great partnership… Strong communication just can make you better together.” Better together, indeed. So, for those who are in or want to join the Google Cloud crowd, or care about partnerships more generally, listen up! Much here to learn about partner-driven delivery and adoption, the role of Agentspace and AI innovation, the importance of optimism, and more.

Barry Eichengreen joins Alan Dunne for a clear-eyed look at a system losing its anchors. The dollar's standing, long insulated by trust and habit, now faces a different kind of test... one shaped less by challengers abroad than by fractures at home. They explore how rising debt, political entropy, and institutional strain are converging in ways that markets are only beginning to price. From the quiet retreat of safe haven flows to the uneasy future of central bank independence, this is a conversation about slow shifts with fast consequences, and what happens when credibility, not currency, becomes the liability.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Alan on Twitter.Follow Barry on Twitter.Episode TimeStamps: 00:09 - Introduction to Barry Eichengreen03:51 - The Future of the Dollar: Concerns and Predictions14:29 - Fiscal Challenges and Policy Responses33:04 - Analyzing Economic Policies and Their Impacts49:18 - Global Economic Perspectives: Trade Wars and Currency Alternatives56:46 - The Future of Global Currency SystemsCopyright © 2024 – CMC AG – All Rights Reserved----PLUS: Whenever you're ready... here are 3 ways I can help you in your investment Journey:1. eBooks that cover key topics that you need to know about In my eBooks, I put together some key discoveries and things I have learnt during the more than 3...

It's Fed Day! Will the Federal Reserve finally cut rates—or kick the can again? Lance Roberts & Danny Ratliff break down what's at stake, what markets are pricing in, and what it means for your money. Thursday is Juneteenth, markets are closed, and so are we. Lance reviews the track for crude oil prices and the likely effect on inflation as the Iran-Israel conflict continues. What will Jerome Powell say following today's Fed meeting? Fed grammar matters. Danny and Lance review elements of the Big, Beautiful Bill as it bounces between the House and Senate; contents subject to change. Lance points out the insane irony of the Dept. of Agriculture's stance on feeding wildlife vs. feeding the masses. Danny and Lance review a Barron's article depicting a dilemma of wanting to retire early on limited savings, and live to 98. Hilarity ensues. SEG-1: Juneteenth & Fed Day SEG-2a: Fed Meeting Preview & Market Sentiment SEG-2b: The BIg, Beautiful Bill - Pt.1 SEG-3: The Big, Beautiful Bill - Pt.2 SEG-4: Can You Afford to Retire? RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=MEf6M7XXCqQ&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Articles mention in this show: "The Bull Rally Continues" https://realinvestmentadvice.com/resources/blog/the-bull-rally-continues/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "Why Oil Prices Are On the Rise," is here: https://www.youtube.com/watch?v=4O6HNmfPPb4&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "What's the Difference Between Fixed Income and "Stable" Income?" https://www.youtube.com/watch?v=jV5Oepv5zPM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #OilPrices #CrudeOil #Inflation #SupplyDemand #FedDay #FederalReserve #FedRateDecision #FOMC #InterestRateCut #JeromePowell #FinanceNews #IranIsraelConflict #MarketRally #GeopoliticalRisk #FixedIncome #StableIncome #RetirementPlanning #IncomeInvesting #FinancialEducation #MarketVolatility #BigBeautifulBill #DeptAgriculture #ParksWildlife #SNAP #InvestingAdvice #Money #Investing

It's Fed Day!  Will the Federal Reserve finally cut rates—or kick the can again? Lance Roberts & Danny Ratliff break down what's at stake, what markets are pricing in, and what it means for your money. Thursday is Juneteenth, markets are closed, and so are we. Lance reviews the track for crude oil prices and the likely effect on inflation as the Iran-Israel conflict continues. What will Jerome Powell say following today's Fed meeting? Fed grammar matters. Danny and Lance review elements of the Big, Beautiful Bill as it bounces between the House and Senate; contents subject to change. Lance points out the insane irony of the Dept. of Agriculture's stance on feeding wildlife vs. feeding the masses. Danny and Lance review a Barron's article depicting a dilemma of wanting to retire early on limited savings, and live to 98. Hilarity ensues. SEG-1: Juneteenth & Fed Day SEG-2a: Fed Meeting Preview & Market Sentiment SEG-2b: The BIg, Beautiful Bill - Pt.1 SEG-3: The Big, Beautiful Bill - Pt.2 SEG-4: Can You Afford to Retire? RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=MEf6M7XXCqQ&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Articles mention in this show: "The Bull Rally Continues" https://realinvestmentadvice.com/resources/blog/the-bull-rally-continues/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "Why Oil Prices Are On the Rise," is here:  https://www.youtube.com/watch?v=4O6HNmfPPb4&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "What's the Difference Between Fixed Income and "Stable" Income?" https://www.youtube.com/watch?v=jV5Oepv5zPM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #OilPrices #CrudeOil #Inflation #SupplyDemand #FedDay #FederalReserve #FedRateDecision #FOMC #InterestRateCut #JeromePowell #FinanceNews #IranIsraelConflict #MarketRally #GeopoliticalRisk #FixedIncome #StableIncome #RetirementPlanning #IncomeInvesting #FinancialEducation #MarketVolatility #BigBeautifulBill #DeptAgriculture #ParksWildlife #SNAP  #InvestingAdvice #Money #Investing

When you think about European credit investing, most people assume it's only for the big shops with billions under management. Agata Dornan, Founder & CIO of Chepstow Lane, is here to challenge that, and she's doing it with smarts, grit, and real talk about what it really takes to succeed.Agata's path to launching her own boutique wasn't a straight line. As a first-generation American who started out on the pre-med track at Middlebury, she discovered her passion for finance by accident (thanks to one random economics class) and never looked back. In this Episode, Agata sits down with Stacy to discuss: How a single economics class flipped the script on her entire careerWhy her liberal arts background is a secret weapon (and how it helped her land Chepstow Lane's first big allocation)Lessons from her time at Soros (including what it was like working on Wall Street after 9/11)The hard truths every boutique founder needs to know about building a team and finding the right investorsHow Chepstow Lane is winning by focusing on the white spaces most firms overlookWhat she's seeing in European credit today and why it might be time to pay attention About Agata Dornan:Agata led Soros Fund Management's European credit investments from 2012 to 2020, managing corporate credit and financials, and became a partner and portfolio manager in 2016. Before that, she was a distressed research analyst at BlueMountain Capital in London, and she started her buy-side career at Soros in 2005 on the Distressed team, which later spun out to form Camulos Capital. She moved to London with them in 2006.She began her career at Deutsche Bank in NYC as an investment banking analyst in Energy and Chemicals. Agata has been investing in the US since 2005 and in Europe since 2006, with deep experience in restructurings across sectors and credit cycles.Agata graduated from Middlebury College in 2002 with a degree in International Politics and Economics, was awarded a Fulbright Scholarship, and completed programs at LSE and Tuck Business School. She lives in London with her husband and two children and is a dual US and Polish nationalWant More Help With Storytelling? +  Subscribe to my newsletter to get a weekly email that helps you use your words to power your growth:https://www.stacyhavener.com/subscribe   - - -Make The Boutique Investment Collective part of your Billion Dollar Backstory. Gain access to invaluable resources, expert coaches, and a supportive community of other boutique founders, fund managers, and investment pros.Join Havener Capital's exclusive membership - - -Thinking about expanding your investor base beyond the US? Not sure where to start? Take our quick quiz to find out if your firm is ready to go global and get all the info at billiondollarbackstory.com/gemcap- - -Make The Boutique Investment Collective part of your Billion Dollar Backstory. Gain access to invaluable resources, expert coaches, and a supportive community of other boutique founders, fund managers, and investment pros. Join Havener Capital's exclusive membership

Hyperliquid is one of the most talked-about platforms in crypto right now. It's an onchain perpetuals exchange that sidestepped VCs, built a deeply loyal user base, and launched with transparency most rivals avoid. But it's also staring down some massive challenges—from incoming competitors like Coinbase and Robinhood, to the technical hurdles of decentralizing its core exchange engine. Arthur Hayes, CIO of Maelstrom and one of crypto's most iconic traders, and Hanson Birringer of Flowdesk discuss: What actually drove Hyperliquid's success How a user-first approach is outpacing venture-backed models Whether the James Wynn saga was legit Why the HIP-3 proposal could be the “holy grail” for DEXes And whether Hyperliquid can survive its next big test: the entrance of giants Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com Thank you to our sponsors! Xapo Bank Bitwise Guests: Arthur Hayes, CIO of Maelstrom Hanson Birringer, Head of US Sales at Flowdesk Links Stats: CoinGlass: Total BTC Futures Open Interest Hyperliquid Stats James Wynn Unchained: Hyperliquid Trader Makes $87M in 70 Days, Loses It In Five James Wynn's address  Transparency Hyperliquid's founder's post on X saying that he felt like transparency results in better execution for whales compared to on private venues. Hyperliquid vs Binance: Unchained: Hyperliquid Saved Itself a $15 Million Loss, but Sparked Criticism Arthur Hayes' tweet on whether $HYPE perp volumes will flip Binance's this cycle. CZ's tweet on dark pool DEXs Cointelegraph: Binance co-founder CZ proposes dark pool DEXs to tackle manipulation Tokenomics: DL News: Hyperliquid's token buyback machine just hit $1b — is it sustainable? HIP-3: Hyperliquid Docs: HIP-3: Builder-Deployed Perpetuals Timestamps:

IT teams deal with technology lifecycle issues all the time–including Y2K, which enterprises across the world grappled with for years. The Epochalypse, or Year 2038 Problem, is similar. Specifically, some Linux systems' date-time counters will go from positive to negative at a specific date in 2038, potentially wreaking havoc on embedded systems and any other... Read more »

We examine recent muni market performance, along with look at the investment case for the asset class against a backdrop of macro uncertainties. We also spotlight CIO's risk assessment framework of local government obligors. Featured is Sudip Mukherjee, Senior Fixed Income Strategist Americas, and Jeannine Lennon, Municipal Strategist Americas, UBS Chief Investment Office. Host: Daniel Cassidy

Stocks fall in afternoon trading as investors weigh intensifying Middle East risks, a looming budget showdown, and this week's Fed decision. Scott Wren of Wells Fargo says don't overreact to geopolitical headlines. Olaolu Aganga of Mercer offers the global CIO view on allocation right now. Market impact from DC from Pangaea Policy founder Terry Haines. Plus: MP Materials CEO Jim Litinsky joins exclusively to discuss why rare earths are national security assets, his company's stock surge and the supply chain.

What's the difference between fixed income and "stable" income? Lance Roberts & Jonathan Penn break down the key differences between Dividend Stocks vs fixed income investments like bonds and annuities, and other strategies often labeled as stable income; how each performs in various market environments, the risks you may not see, and what every retiree or income-focused investor should consider. Lance and Jon also address the #1 Thing that homeowners regret about their houses, and a special "Two Dad's on Money" episode about whether your college grad kid should move back in with Mom & Dad. SEG-1: Retail Sales Preview, Where Market Risk Remains SEG-2: Are Dividend Stocks "Stable" or Fixed? SEG-3a: How to Calculate (and understand) Dividend Risk SEG-3b: Homeowners' #1 Remorse SEG-4: Two Dad's on Money - Should Your College Grad Move Back Home? RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=jV5Oepv5zPM&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=4s ------- Articles mention in this show: "The Bull Rally Continues" https://realinvestmentadvice.com/resources/blog/the-bull-rally-continues/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "Where Downside Risk Remains," is here: https://www.youtube.com/watch?v=cIyoblbtIdg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "How the Iran-Israel Conflict Could Shock Global Markets," https://www.youtube.com/watch?v=J3v0Xj2_iJ8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PensionFund #DownsideRisk #BullishMarkets #USDollar #IranIsraelConflict #MarketRally #GeopoliticalRisk #FixedIncome #StableIncome #RetirementPlanning #IncomeInvesting #FinancialEducation #MarketVolatility #IranIsraelConflict #TwoDadsOnMoney #CollegeGrads #InvestingAdvice #Money #Investing

While market sentiment on U.S. large caps turns cautious, our Chief CIO and U.S. Equity Strategist Mike Wilson explains why there's still room to stay constructive.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist. Today on the podcast, I'll be discussing why we remain more constructive than the consensus on large cap U.S. equities – and which sectors in particular. It's Monday, June 16th at 9:30am in New York. So, let's get after it. We remain more constructive on U.S. equities than the consensus mainly because key gauges we follow are pointing to a stronger earnings backdrop than others expect over the next 12 months. First, our main earnings model is showing high-single-digit Earnings Per Share growth over the next year. Second, earnings revision breadth is inflecting sharply higher from -25 percent in mid-April to -9 percent today. Third, we have a secondary Earnings Leading model that takes into account the cost side of the equation; and that one is forecasting mid-teens Earnings Per Share growth by the first half of 2026. More specifically, it's pointing to higher profitability due to cost efficiencies. Interestingly, this was something we heard frequently last week at the Morgan Stanley Financials Conference with many companies highlighting the adoption of Artificial Intelligence to help streamline operations. Finally, the most underappreciated tailwind for S&P 500 earnings remains the weaker dollar which is down 11 percent from the January highs. As a reminder, our currency strategists expect another 7 percent downside over the next 12 months. The combination of a stronger level of earnings revisions breadth and a robust rate of change on earnings revisions breadth since growth expectations troughed in mid-April is a powerful tailwind for many large cap stocks, with the strongest impact in the Capital Goods and Software industries. These industries have compelling structural growth drivers. For Capital Goods, it's tied to a renewed focus on global infrastructure spending. The rate of change on capacity utilization is in positive territory for the first time in two and a half years and aggregate commercial and industrial loans are growing again, reaching the highest level since 2020. The combination of structural tech diffusion and a global infrastructure focus in many countries is leading to a more capital intensive backdrop. Bonus depreciation in the U.S. should be another tailwind here – as it incentivizes a pickup in equipment investment, benefitting Capital Goods companies most directly. Meanwhile, Software is in a strong position to drive free cash flow via GenAI solutions from both a revenue and cost standpoint. Another sector we favor is large cap financials which could start to see meaningful benefits of de-regulation in the second half of the year. The main risk to our more constructive view remains long term interest rates. While Wednesday's below consensus consumer price report was helpful in terms of keeping yields contained, we find it interesting that rates did not fall on Friday with the rise in geopolitical tensions. As a result, the 10-year yield remains in close distance of our key 4.5 percent level, above which rate sensitivity should increase for stocks. On the positive side, interest rate volatility is well off its highs in April and closer to multi-year lows. Our long-standing Consumer Discretionary Goods underweight is based on tariff-related headwinds, weaker pricing power and a late cycle backdrop, which typically means underperformance of this sector. Staying underweight the group also provides a natural hedge should oil prices rise further amid rising tensions in the Middle East. We also continue to underweight small caps which are hurt the most from higher oil prices and sticky interest rates. These companies also suffer from a weaker dollar via higher costs and a limited currency translation benefit on the revenue side given their mostly domestic operations. Finally, the concern that comes up most frequently in our client discussions is high valuations. Our more sanguine view here is based on the fact that the rate of change on valuation is more important than the level. In our mid-year outlook, we showed that when Earnings Per Share growth is above the historical median of 7 percent, and the Fed Funds Rate is down on a year-over-year basis, the S&P 500's market multiple is up 90 percent of the time, regardless of the starting point. In fact, when these conditions are met, the S&P's forward P/E ratio has risen by 9 percent on average. Therefore, our forecast for the market multiple to stay near current levels of 21.5x could be viewed as conservative. Should history repeat and valuations rise 10 percent, our bull case for the S&P 500 over the next year becomes very achievable. Thanks for tuning in; I hope you found this episode informative and useful. Let us know what you think by leaving us a review; and if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!