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edtechinnovationhub61d ago

#TECH
ffnews61d ago

InsurTech NY: ePayPolicy on Digitising Payments

At InsurTech NY, Andrew Easley from ePayPolicy explains how the company is addressing a long-standing [...] The post InsurTech NY: ePayPolicy on Digitising Payments appeared first on FF News | Fintech Finance .

#TECH
AI is destroying jobs – and the energy crisis could make that much worse | Larry Elliott
theguardian61d ago

AI is destroying jobs – and the energy crisis could make that much worse | Larry Elliott

Every wave of new tech has come with a doomsday scenario. But governments just aren’t planning a human response on the scale required The transition to a world of artificial intelligence has given a whole new meaning to the concept that capitalism can only renew itself through creative destruction . This is the idea that clapped-out technologies have to be replaced by new ways of doing things, even though the process can be brutal. That has been the way of things for every new wave of inventions since the dawn of the industrial age in the mid-18th century, but with machines now displaying cognitive skills, able to both think and learn, the potential for economic disruption is all the greater. Larry Elliott is a Guardian columnist Continue reading...

#TECH
Do Stocks Really Beat Cash, Or Is It Just a Few Big Winners?
financemagnates61d ago

Do Stocks Really Beat Cash, Or Is It Just a Few Big Winners?

Slow and Steady Wins the Race? The mantra that shares deliver superior returns to cash over the long run has been the cornerstone of every financial adviser’s pitch for decades. But does the value of staying invested outweigh the difficulty of finding stocks that outperform the folding stuff? Singapore Summit: Meet the largest APAC brokers you know (and those you still don't!) A Financial Times article looked at research conducted by Professor Hendrik Bessembinder from Arizona State University’s Department of Finance on the performance of single stocks. He found that four out of every seven common stocks that have appeared in the Center for Research in Security Prices since 1926 have lifetime buy-and-hold returns lower than those of one-month Treasuries. When stated in terms of lifetime dollar wealth creation, the best-performing 4% of listed companies explained the net gain for the entire US stock market over the last 100 years, as the other stocks collectively only matched the returns offered by Treasury bills. In other words, the median stock was a loss-maker . In fact, the calculation showed that, of the almost 30,000 stocks listed over the last century, just 46 accounted for more than half of the overall return over that period. Bessembinder says these results highlight the important role of positive skewness in the distribution of individual stock returns, attributable both to skewness in monthly returns and to the effects of compounding. They also help to explain why poorly diversified active strategies most often underperform market averages. The article generated some interesting responses, with the chief investment officer at a private bank describing the results of Bessembinder’s research as a reminder of how asymmetric equity returns really are. He noted that if a small number of extreme winners drive most long-term outcomes, the implication is less about consistently picking the right stocks and more about staying invested to compound returns, diversifying broadly, and giving those rare outliers time to emerge - because missing just a handful of them can materially change overall results. His view is that while the temptation is always to focus on finding the outliers, in practice, the real challenge is avoiding the permanent losers while staying invested. That is where diversification and discipline do the heavy lifting , especially when hindsight makes everything look more obvious than it was at the time. Finding the Clues to Solve the Investment Puzzle Sherlock Holmes was not your average punter looking to squirrel away a few quid to provide for his old age. For example, the £6,000 he received from the Duke of Holderness at The Priory School in the early 1900s would be equivalent to around a million pounds in today’s money. But Arthur Conan Doyle’s fictional detective does have something to teach us about investment strategy, according to Artemis fund manager Philip Wolstencroft. In A Study in Scarlet, after Holmes has apprehended cab driver Jefferson Hope for murder, he surprises Dr Watson by referring to the case as ‘simple’. It is, he explains, a straightforward case of being able to ‘reason backwards’. “Most people, if you describe a train of events to them, will tell you what the result would be,” he tells the doctor. “There are few people, however, who, if you told them a result, would be able to evolve from their own inner consciousness what the steps were which led up to that result.” Wolstencroft observes that most investors look for the same end result – the highest total returns. So, what drives total returns? Rising share prices and dividends. What makes these go up? If a share starts off undervalued and/or its earnings grow quickly. He differentiates the process of screening for factors that can help identify such shares from that of fund managers who reason forward rather than backwards. Some will use the index as their starting point, then try to eke out a couple of extra basis points here and there. Others will look for the next big thing or make a point of meeting management teams. Wolstencroft says it is possible that this will lead them to pick shares that outperform, but asks why you would start out reasoning forwards and investing in a way that you hope will allow you to beat the market, rather than reasoning backwards and focusing only on those factors that you know for a fact drive returns. “We know which factors push share prices up and down, and we know which factors indicate the direction these will move in,” he says. “Therefore, all fund managers should discard any theories that contradict these facts.” Instead, he argues that many do the opposite and will talk of their ‘belief’ in a company or management team, even after a series of profit warnings. In other words, they twist facts to suit theories. UK Savers Refuse to Take Stock New research suggests the UK government still has plenty of work to do to convince savers to put their cash into stocks and shares. A preference for cash over risk is perhaps the key finding, with only 2% of cash savings account holders transferring their savings to a stocks & shares ISA since the allowance for the former was reduced late last year. Your Stocks & Shares ISA vs a cash savings account.£20,000 over 20 years:→ Cash ISA at 4% = £43,822→ S&S ISA at 10% = £134,550Same £20,000.Same tax free wrapper.£90,000 difference.The account isn’t the problem.What you put inside it is.Are people still choosing... — 🇬🇧 Tom - Investor £120K (@2147mill) March 25, 2026 The vast majority of account holders (90%) prioritised the protection of their initial capital over higher potential returns. Worryingly, one in four admitted that they do not understand stocks and shares, and only 11% said they planned to open a stocks & shares ISA despite the sharp reduction in the amount of cash that can be put into such accounts. Savers under the age of 30 were more positive about investing in equities, but even then only two in five intended to do so before April 2027. Analysis of a similar survey conducted this time last year suggests that understanding of equity investment has improved only marginally, despite an acknowledgement that stocks and shares outperform cash over the long term. This article was written by Paul Golden at www.financemagnates.com.

#STOCKS
financialcontent61d ago

GMV Minerals Begins Drilling at the Mexican Hat Gold Deposit in S.E. Arizona

VANCOUVER, BC / ACCESS Newswire / April 16, 2026 / GMV Minerals Inc. (the "Company" or "GMV") (TSXV:GMV)(OTCQB:GMVMF) is pleased to announce that drill mobilization went smoothly and that it has commenced drilling at the Mexican Hat Gold Deposit in SE Arizona. The first holes will focus on confirmatory core drilling of the deposit spanning 1,000 m in strike length, 400 m of true width from near surface at elevation 1,565 m to an elevation of 1,185 m. This will test approximately 90% of the

#COMMODITIES
Austin Wealth Management LLC Decreases Stake in iShares Bitcoin Trust ETF $IBIT
americanbankingnews61d ago

Austin Wealth Management LLC Decreases Stake in iShares Bitcoin Trust ETF $IBIT

Austin Wealth Management LLC decreased its holdings in shares of iShares Bitcoin Trust ETF (NASDAQ:IBIT – Free Report) by 76.5% in the 4th quarter, Holdings Channel.com reports. The firm owned 3,913 shares of the company’s stock after selling 12,711 shares during the quarter. Austin Wealth Management LLC’s holdings in iShares Bitcoin Trust ETF were worth [...]

#CRYPTO
Welltower Inc. $WELL Position Lifted by B&I Capital AG
americanbankingnews61d ago

Welltower Inc. $WELL Position Lifted by B&I Capital AG

B&I Capital AG raised its holdings in shares of Welltower Inc. (NYSE:WELL – Free Report) by 12.6% during the fourth quarter, according to the company in its most recent Form 13F filing with the Securities & Exchange Commission. The institutional investor owned 181,840 shares of the real estate investment trust’s stock after buying an additional [...]

#STOCKS
Austin Wealth Management LLC Invests $509,000 in iShares Core MSCI EAFE ETF $IEFA
americanbankingnews61d ago

Austin Wealth Management LLC Invests $509,000 in iShares Core MSCI EAFE ETF $IEFA

Austin Wealth Management LLC acquired a new position in iShares Core MSCI EAFE ETF (BATS:IEFA – Free Report) in the fourth quarter, according to the company in its most recent disclosure with the Securities & Exchange Commission. The institutional investor acquired 5,568 shares of the company’s stock, valued at approximately $509,000. A number of other [...]

#STOCKS