Making Sense of Biotech

How do we make sense of the biotech sector? Emergent analyst Nickolas Urpi examines why biotech is an intriguing sector right now, its past growth and future potential as an industry, and the challenges that come with investing in biotech.

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If There Was a Fix: A Third-Quarter Review

What if “the fix is in” for markets? What if central bank activity has forever changed the “game” of investing in stocks and bonds? How are investors to respond? Emergent’s CIO, Xavier Urpi, takes a look at all this and more in our third-quarter review of the economy and markets.

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Trying to Understand Tesla

Just have a conversation with a random stranger and mention the word “investments” and there is a strong likelihood he or she will ask the inevitable question: “Did you invest in Tesla?” Tesla is all the rage in the investment world. Tesla’s success could be baffling to the naked eye, but if you dig deeper into how Tesla works, you’ll understand their success does not always come from actual success, but rather through constant innovation.

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The Way We Think

When we think about new ideas using old assumptions, this can often leads to us becoming unable to recognize or comprehend enormous changes that may be occurring in our own lifetime. One great example of this is the biotech sector. We explore some of the nuances and new ways of thinking that are required to navigate this intriguing sector.

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Financial Planning: How Time Now Saves Money Later

Time is money. The phrase is a classic, uttered in America by Benjamin Franklin but with variations going back all the way to the philosopher Antiphon in Classical Greece. But it remains as timeless now as it was then, especially when it comes to financial planning. We go through some examples to show the power of time and how starting early can save you both money AND time later on.

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The Video Game Industry Boomed in Spring Due to Covid-19: Could It Do Even Better This Winter?

As winter approaches, opportunities for leisure outside will diminish. Given the unlikelihood the country will be fully open anytime before 2021, people will probably look back on what they did during the early months of the pandemic, mostly in March and April, to find out how to survive the boredom of staying at home. This should make the gaming industry smile a bit larger.

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Saving is about Long-Term Growth, not Avoiding Taxes

One of the keys to logical thinking is not to miss the forest for the trees. Sometimes focusing on one aspect of a problem you have to solve, no matter how important, can cause us to miss the big picture. This can be the case in financial advice, also, particularly when it comes to tax-advantaged retirement accounts. Saving is ultimately about long-term growth, not avoiding taxes today.

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Cat Investors: The Next Big Thing?

The implication of many recent articles in the public opinion is the suggestion that professional services are not necessary because if a cat or octopus can invest better than a professional, why can’t the average person? Here, we challenge that assumption to show that, while not everyone can beat the market, financial professionals are still just as skilled and valuable as other professions. Your cat should not be your investor.

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The Ackman Plan: A Solution to Income Inequality and More Americans in the Stock Market?

Imagine being born $6,750 rich? Well, if activist investor Bill Ackman had his way, that is how every person in this country would be born. This plan sounds perfect on the surface, but it does have a few remaining questions that could create some holes, which we examine here, along with implications for how parents should be thinking about their child’s long-term future.

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Raiders of the 401(K): Why your Retirement Savings Shouldn’t be Your Emergency Fund

It was one of the most-reported financial changes due to the CARES Act passed by Congress in response to the pandemic: savers can take funds out of their 401(K) plans without paying the 10% penalty, and have three years to pay the funds back entirely without having to pay taxes on them. But should you take this “opportunity” if it’s not necessary? We explore the difference between a retirement account and an emergency fund, and why, while both are important, they should not be interchangeable.

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