Archive - Penny Insight

Declining EV demand, tariff pressures, and a strategic shift toward AI, robotics, and autonomous vehicle services.

4 hrs ago •

ServiceNow Earning Review

AI-related deals grew 50% sequentially, with strong adoption of its Now Assist platform

4 hrs ago •

ASML's Asymmetric Upside

A Deep Dive into Management Guidance, Customer Capex, and Bull vs. Bear Valuation Paths

Jul 23 •

The 4% Rule Still Works — If You Outperform Just a Little

Backtesting the 4% Rule: Outperformance vs. Lower Spending in Retirement

Jul 17 •

Consumer Checkpoint: Are American Households Starting to Pull Back?

Insights from Bank of America’s July 2025 Report on U.S. Household Spending Trends

Jul 14 •

Not All Growth Is Equal: The Anatomy of a 10x Valuation

Why some companies command premium multiples—and how to spot them before everyone else does

Jul 12 •

How We Unlocked Tax-Free Investment Growth

A step-by-step guide to the backdoor Roth IRA strategy for high earners in the U.S.

Jul 11 •

🧐 How to Read 10Ks Like a Hedge Fund

Adapted directly from the original thread by Ming Zhao (@FabiusMercurius) titled “🧐 How to Read 10Ks Like a Hedge Fund”.

Jul 8 •

dLocal: The Hyper-Local Fintech Powering Emerging Markets

A deep dive into dLocal’s business model, competitive edge, and why its 83% stock drawdown may be a long-term buying opportunity.

Jul 7 •

June 2025

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