Musk and Apple locked horns over in-app payments | German hopes have grown brighter |

Hi Finimizer, here's what you need to know for November 25th in 3:13 minutes.

🛍 You won’t find Black Friday’s best deal in an electronics store. It’s right here: we’re offering our biggest-ever Black Friday discount on a Finimize Premium membership, so you can get first-class investing insights at cut-price rates. Sign up today

Today's big stories

  1. Elon Musk bared his teeth at Apple in a fight over in-app payments
  2. Here’s how hedge funds are investing right now, and how you can copy what they’re doing – Read Now
  3. A key German index suggested the country’s economy could be looking up

That’s My Slice Of Pie

That’s My Slice Of Pie

What’s Going On Here?

Twitter and Apple look set to collide over Apple’s slice of scrumptious in-app purchases.

What Does This Mean?

Elon Musk has spent the last few weeks throwing his weight around inside Twitter HQ, but it seems he’s found a new sparring partner in the world’s biggest company. The cause of the brewing bust-up is the sizable chunk that Apple takes from in-app purchases – a reported 15 to 30%. No wonder that’s irked Musk, whose vision for Twitter sees the company relying less on advertising dollars and more on subscription fees. So if Apple – or, indeed, Google’s parent company Alphabet – wants to help itself to a piece of Twitter's new blue tick subscription bounty, they could find themselves with quite a scrap on their hands.

Why Should I Care?

Zooming out: Apple’s here to serve.
Musk has taken aim at Apple’s future prize pig: services. But you can bet the titan of Silicon Valley will do its best to save its bacon. After all, Apple's services business currently brings in around 20% of the firm's sales, and is more important than ever now that demand for iPhones is slowing. And sales from services, which include fees and subscriptions from apps, are extra appealing given that they’re recurring and reliable. In short, Musk’s shot across the bow has probably struck a nerve at Apple HQ.

The bigger picture: Get the popcorn.
A whole heap of tech firms have been lobbying lawmakers in a bid to lower app-store fees, yet Apple and Alphabet have succeeded in shrugging off their challenges so far. Twitter could be different, mind you: the platform’s a near-essential megaphone these days, and both Apple and Alphabet use Twitter to get their message to the masses. So if this is the opening volley in a lengthy standoff, it’ll be fascinating to see which of the titans ends up waving the white flag.

Copy to share story:

🙋 Ask a question

Analyst Take

Goldman’s Report Reveals Hedge Funds’ 50 Favorite Stocks

Goldman’s Report Reveals Hedge Funds’ 50 Favorite Stocks

By Luke Suddards, Analyst

As the name suggests, hedge funds are supposed to do one thing really well: hedging

That means they should be able to successfully take opposing long and short positions, designed to protect their positions and enhance their returns under any market conditions. 

So given today’s challenging investing environment, it feels like prime time to take a peek at Goldman Sachs’s latest deep dive into hedge fund activity

That’s today’s Insight: what Goldman Sachs found out about hedge fund strategies, and how you can take a leaf out of their book.

Read or listen to the Insight here

Finimize x Revolut

Pretty good stuff, right? Our analysts write Insights like this every day, and you can read every single one of them with Finimize Premium.

There’s no better time to get started: our new partnership means you can get six free months of Finimize Premium and three free months of Revolut Premium if you sign up for Revolut today.

We’ll even send you £10 (or equivalent) to your Revolut account to get you started.


Make your money work harder

You’re working hard to make enough cash to help you get through these tough times.

Best make sure your money’s keeping up its side of the bargain, then.

You could start by opening an account with Raisin UK: you’ll be able to pick and mix a batch of flexible, easy-access savings accounts so you can design the set up that suits your goals.

And with competitive fixed rate bonds available, you can relax in the knowledge that you know exactly how much interest you’ll earn on your savings.

Put your money to work with Raisin UK.

Find Out More

Open to UK residents only.

Germany’s Shy Smile

Germany’s Shy Smile

What’s Going On Here?

The German economy has had it rough lately, but data out on Wednesday suggests the nation’s firms expect things to brighten up.

What Does This Mean?

Researchers at the Ifo Institute call around 9,000 German execs every month and ask them a litany of questions about the health of their businesses and their outlook for the future. Those Ifo boffins turn the intel into the Ifo Index, widely seen as Germany’s most important leading economic indicator. And let’s not jinx it, but the latest reading – 86.3, up from 84.5 in October – is actually decent (tweet this). Let’s look deeper: while bosses are still down in the dumps about the here and now, they’re feeling more optimistic about what’s ahead. So it’s not party time just yet, but any good news is welcome right now.

Why Should I Care?

For you personally: Darkest before dawn.
Economic indicators like the Ifo are an important litmus test for economic health, but it’s not a great idea for stock investors to pay the headlines too much heed. See, markets are typically ahead of the game, meaning most stories are yesterday’s news when they break. Case in point: Germany’s most followed stock index, the Dax, was up more than 20% from its lows even before this better-than-expected news rolled in. “It’s darkest before dawn” might be a well-worn idiom in finance, then, but it’s popular for a reason: canny investors think about what’s to come, not what’s already happening.

For markets: No such thing as a one-way bet.
It looked like the pound was about to join the euro at the dollar-parity party for a while, due to Britains's cost-of-living crisis and the Federal Reserve’s seemingly endless rate hikes. But news out of the UK and Europe’s brightened of late, and the greenback’s gone into reverse. The lesson: nothing’s a sure bet in investing, and you’d do well to remember it when your savings are on the line.

Copy to share story:

🙋 Ask a question

💬 Quote of the day

“You must lose a fly to catch a trout.”

– George Herbert (an English poet)
Tweet this

Good samaritans get champagne

We need your help compiling the industry’s biggest report on modern investors.

We want to know what investors like you think, to keep our content as relevant, insightful, and enjoyable as possible.

But that’s just what’s in it for us. Answering our questions also means you’ll be in with a chance of winning a bottle of champagne, and you’ll be guaranteed a spot at our virtual summit.

What’s more, we’ll send you a copy of the results once we’ve crunched the numbers, so you’ll be as clued-in as possible next time you make an investment.

It takes just a few minutes: share your thoughts with us.

Answer The Survey

🌍 Finimize Live

🥳 Coming Up In The Next Week…

All events in UK time.

🔥 The Coolest Investments When Inflation’s Hot: 12.30pm, November 28th
🇬🇧 Making Smart Portfolio Moves During A Cost-Of-Living Crisis: 5pm, November 29th

👀 And After That…

🌍 Finding Opportunities In A Challenging Market With BlackRock: 1pm, December 2nd
🇦🇪 The Modern Investor Opening Party In Dubai: 6pm, December 6th
🎉 Modern Investor Summit: 12pm, December 6th and 7th
🥂 The Best Luxury Stocks To Buy In 2023: 5pm, December 15th

🎯 On Our Radar

  1. Forget cuffing season. Failing at dating means you’re doing it right.
  2. Free love, eighteenth-century style. The Romantic poet who tackled monogamy.
  3. Snoop on Snoop. The Californian rapper’s producing his own biopic.
  4. Sharing isn’t caring. Maybe we shouldn’t broadcast our insecurities to the world.
  5. Stock up on vodka. Apparently it’s a deep-cleaning essential.
❤️ Share with a friendYour Referrals: 0

Thanks for reading. If you liked today's brief, we'd love for you to share it with a friend.

Share your unique link:

You stay classy, Finimizer 😉

We’d love to hear your thoughts. Give feedback

Want to advertise with us too? Get in touch

Image Credits:

Image credits: Wut_Moppie, Double Brow Imagery – Shutterstock | – Shutterstock


View in browser

Unsubscribe from all Finimize Emails


Crafted by Finimize Ltd. | Bow Bells House, Bread Street, London, EC4M 9HH

All content provided by Finimize Ltd. is for informational and educational purposes only and is not meant to represent trade or investment recommendations. You signed up to this mailing list at or through one of our partners. © Finimize 2021

View Online