The MercadoLibre Paradox
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Over the past five years, MercadoLibre has grown both revenue and profit dramatically — yet its stock price has gone nowhere. Could this be an opportunity?
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Insights Blog
News, insights and thought leadership from the City Different team.
The MercadoLibre Paradox
What Investing Can Teach Us About March Madness
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We've officially entered my absolute favorite time of the sports calendar year. As millions of others around the country have done this past week, I sat down to fill out my bracket for the annual Van...
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Are Treasuries Still Safe?
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Since April, I've had a lot of conversations about whether Treasuries are still a viable safe haven investment. After “Liberation Day,” 10-year Treasuries sold off by ~50 basis points, creating a...
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We are here to help
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Worried about transferring from a Mutual Fund to a Separately Managed Account? We are here to help.
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What's in your money market fund? 5/15/23
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WEEK ENDING 5/12/2023 Highlights of the week: Cash flow into money market funds continues. Know what’s in your money market fund. Latest data shows inflation moderating but still a long way off the...
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Pause Pivot or Persevere 5/8/23
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WEEK ENDING 5/5/2023 Highlights of the week: Fed hikes rates by 25 bases points as expected—Powell leaves the door open for June pause. On Friday, non-farm payroll rose by 253,000. What does a brief...
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An Outsider's Guide to Financial Marketing
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I’m not a numbers person… but here I am — the Director of Marketing for City Different Investments. Before joining CDI, I had no experience in the financial sector.
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Stagflation 5/1/23
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WEEK ENDING 4/28/2023 Highlights of the week: First Republic Bank is circling the bowl. Inflation is sticky! Unemployment is rising! Growth is slowing! Are stagflation risks increasing?
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ESG Investing
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At City Different Investments, we try to live up to our company’s name by actually investing differently. We believe the way we think about investing is, well, different from most other investment...
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The Power of Long Term Investing
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Long-term investment horizons are often talked about, but not always practiced. For most clients, investment goals are measured in years (or maybe even decades). But many investment professionals...
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Credit Crunch 4/24/23
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WEEK ENDING 4/21/2023 Highlights of the week: Is this the start of a credit crunch? Health of corporate credits is deteriorating. US economy is stalling, but not yet in a recession.
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"Wait And See"
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WEEK ENDING 4/14/2023 Highlights of the week: “Sticky prices” show no improvement in latest consumer price index. Another 25 basis points priced in for Fed’s May meeting. But what after that? Yield...
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The Vol Continues
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WEEK ENDING 4/6/2023 Highlights of the week: Inflation may be slowing but is still above the Federal Reserve’s target of 2%. Will inflation prove sticky, forcing the Fed to change its target and...
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The Wisdom of Crowds
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Our investment philosophy follows a fundamental belief — the stock market functions much like the classic jelly-bean-counting experiment. That might sound strange, but hear me out:
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Supercore
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WEEK ENDING 3/31/2023 Highlights of the week: 2% inflation: an outdated concept. Federal Reserve close to ending most aggressive interest rate hikes. CDI expects one more rate hike in May and then a...
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The Worst Thing You Can Do Is Nothing
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The problems/resolutions of both Silicon Valley Bank and Signature Bank bring to mind a Theodore Roosevelt quote: “In any moment of decision, the best thing you can do is the right thing, the next...
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Buckle up for a wild ride
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WEEK ENDING 3/24/2023 Highlights of the week: J. Thaddeus Toad would like to welcome you to another wild ride: the fixed-income market. Domestic and international banks have grabbed the headlines for...
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Banking Failures
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WEEK ENDING 3/17/2023 Highlights of the week: Condolences to all of you with busted NCAA brackets; maybe not the only things busted… Our overview of the idiosyncratic banking failures and Bank Term...
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The Bailout
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WEEK ENDING 3/10/2023 Highlights of the week: Silicon Valley Bank fails due to poor diversification in its depositor base and too much duration in its fixed-income portfolio. We do not believe this...
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Diversity and Inclusion in Finance
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Sweta Singh admits that she fell into finance by chance: “You do something day in and day out, and then you fall in love with it. I think it is symbiotic — you enjoy your work, and then you pour more...
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BEAR OR BULL?
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WEEK ENDING 3/3/2023 Highlights of the week: As we await March’s data, we make cases for both bull and bear markets. The case for bear: a “reacceleration in interest rate hikes.” The case for bull: a...
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Risk Management
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Risk management often carries the reputation of being “command and control.” Is it possible for institutional-class risk management to exist in a culture of freedom and responsibility?
FIXED INCOME MARKET INSIGHTS 2/27/23
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WEEK ENDING 2/24/2023 Highlights of the week: The markets are giving up positive returns for Lent. Inflation proves a pesky little bugger. A smart reader asked why we haven’t commented on the...
Cash Reserve Management
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“What do you do with cash?” is an investment question as old as, well, investing. It’s rare (and usually unwise) that an investor would have the entirety of their assets or holdings actively trading...