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@ramahluwalia Avatar @ramahluwalia Ram Ahluwalia CFA, Lumida

Ram Ahluwalia CFA, Lumida posts on X about fdic, coinbase, insurance, finance the most. They currently have XXXXXX followers and XXX posts still getting attention that total XXXXXX engagements in the last XX hours.

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Social category influence finance #5666 stocks XXXX% technology brands XXXX% exchanges XXXX% automotive brands XXXX% cryptocurrencies XXXX% countries XXXX% currencies XXXX% vc firms XXXX%

Social topic influence fdic #28, coinbase #865, insurance #1203, finance #682, mega #1101, deposit #149, vix #246, fed #1201, $meta #26, $betr XXXX%

Top accounts mentioned or mentioned by @lumidawealth @laurashin @amitisinvesting @mountainchook @sean91237 @byronn4561 @rdsxerper @bitsandbips @bitfinexed @neogio3d @shiretowndown @arthurlevitt6 @elonmusk @mvk5000 @franchise9494 @mabiverse123 @altsaficionado @ivarsdfss @datadinvesting @zastocks

Top assets mentioned Coinbase Global, Inc. (COIN) Metadium (META) Better Home & Finance Holding Company Class A Common Stock (BETR) Bread Financial Holdings, Inc. (BFH) Tesla, Inc. (TSLA) Alphabet Inc Class A (GOOGL) Norwegian Cruise Line Holdings, Ltd. (NCLH) JPMorgan Chase (JPM) IonQ, Inc. (IONQ) Robinhood Markets, Inc. (HOOD) Accenture (ACN) CoreWeave, Inc. (CRWV) Skywest Inc (SKYW) DAOLaunch (DAL) United Airlines Holdings, Inc. (UAL) Align Technology, Inc. (ALGN) Coop Coin (COOP) NVIDIA Corp. (NVDA) Centrifuge (CFG) Santiment Network Token (SAN)

Top Social Posts #

Top posts by engagements in the last XX hours

"NEW FDIC HEAD: TRAVIS HILL I am thrilled to see DJT nominate Travis Hill for head of the FDIC. Hill criticized US restrictions on banks handling digital assets for clients. I wrote three op-eds criticizing regulatory policy: (1) WSJ: Proposed a framework for sensible digital asset regulation with clear interpretive guidance SEC Chair Atkins is taking the right steps (2) American Banker: "In Defense of Decentralization" Defended Tokenization and responded directly to then OCC Chair's question 'why does Tokenization' matter (3) American Banker: Made the case that technology firms should have"
X Link @ramahluwalia 2025-10-01T14:58Z 46.9K followers, 9953 engagements

"@amitisinvesting $NCLH $BETR $BFH"
X Link @ramahluwalia 2025-10-02T22:29Z 46.9K followers, XXX engagements

"Jamie has been talking about 'economic hurricanes' and has been wrong for years. He needs to say this and look responsible to the regulators and millions of depositors that have savings at $JPM well in excess of the FDIC insurance cap"
X Link @ramahluwalia 2025-10-14T13:37Z 46.9K followers, 1330 engagements

"I believe the bottom is in for financials. The catalyst is bank earnings season which starts with the mega cap banks reporting tomorrow. The bank CEOs will report consumer spending deposit balances and DQs are stable and doing just fine. Financials - including various sub-themes (mortgage refinance consumer lending etc) - are now our largest thematic exposure. Financials will also benefit from an increase in IPO activity and debt refinancings. These names sold off on credit risk fears which is mostly narrative outside a few isolated cases"
X Link @ramahluwalia 2025-10-13T13:46Z 46.9K followers, 21.7K engagements

"I will be buying Digital Assets at the market open. There are quite a few mispricings in the chaos. Bottom is in liquidations are in Trump is doing a Taco. Throw in Bank Earnings and Q4 seasonality + Vix up XX% + expectations are too low. Separately did you see the $X Bn $IONQ raised And they issued penny warrants which they called "pre-funded" (what a euphemism). Which suckers did JP Morgan talk into doing this"
X Link @ramahluwalia 2025-10-12T15:22Z 46.9K followers, 29.8K engagements

"Did you get your financials going into earnings season TIL: Our research analyst had a stock trading competition. Everyone picks X names. He picked: - a mortgage refinance play - a uranium idea linked to HALEU - an ethereum-linked idea You might be able to guess those names. In any case he is destroying his friends in this friendly competition. Cross-Asset class thematic investing works. Take a look at the insurance sector - quite interesting here. We like many names in this category and many are technically setup"
X Link @ramahluwalia 2025-10-14T19:31Z 46.9K followers, 7426 engagements

"@Bitfinexed 1) Do the math on Tether FCF generation paying X% out 2) Look at all assets on Tether attestation. Every single one is up in value over last three years and considerably"
X Link @ramahluwalia 2025-10-05T01:10Z 46.9K followers, XXX engagements

"Aristotle: "The end of war is peace." I like Jared Kushner. Is he not under-rated (1) He led the Abraham-Accords - an essential path forward to get past identity based conflict where civilians used as pawns in power games. (2) He states that one of the worst straws that you can draw in life is being born in Gaza. (I doubt MSM will focus on this comment.) (3) He leads with optimism and 'bridges' and recognizes human dignity. (4) It's not hard to imagine Obama having delivered the same speech word for word ("lead with mutual understanding" etc.). The difference is Kushner delivered a result"
X Link @ramahluwalia 2025-10-12T15:07Z 46.9K followers, 10.1K engagements

"PUERTO RICO: ACT XX There's an incredible amount of crypto native investors in Puerto Rico. There is a community built around Founders that are at the leading edge of health & wellness. For example I learned that some people are taking 30mg NAD infusions daily. and peptide strategies are on the rise. @LumidaWealth hosted another 'Best Ideas' dinner at the Ritz Residences in Dorado a few days ago. We are leading an investment in a non-consensus firm that we believe will has a path to acquisition or IPO. The deal was made available to folks who subscribed into and is over subscribed. We'll be"
X Link @ramahluwalia 2025-10-14T00:10Z 46.9K followers, 8689 engagements

"White House already sending conciliatory messages"
X Link @ramahluwalia 2025-10-12T16:21Z 46.9K followers, XXX engagements

"Thought Experiment: The Fed is creating winners and losers across generations. What if the 2024 cuts from last year caused a reduction in spending from Boomers relying on T-Bill income Boomers now the largest cohort hitting retirement (with peak XX occurring between 2024-2030) hold a disproportionate share of safe income-generating assets like T-Bills. Domestic investors own about XX% of U.S. Treasuries overall. Private households (including retirees) accounting for a significant sliceestimated at 20-25% of total marketable Treasuries. If you do the rough math each XXX bps decrease in rates"
X Link @ramahluwalia 2025-10-03T22:39Z 46.9K followers, 10.9K engagements

"Figma went public and Robinhood democratized access. The shares are down well over XX% since IPO. I respect RobinHoods success They are the leader. Its an incredible story. But Robinhoods miss shows a flaw in a broker-driven FOMO approach. I also did not like their OpenAI at half-a-trillion dollars just when Gemini is about to drop their latest model that rumors say runs circles around GPT5. BTW we closed on Canva about a month or so ago at We also got into Kraken at $XX / share and did a front run of their primary round at $XX / share. I expect both will do a lot better than Figmas IPO. Ill"
X Link @ramahluwalia 2025-10-05T22:14Z 46.9K followers, 12K engagements

"We are going to look back at 2025 and say that was Goldilocks precisely because it never felt like Goldilocks. I had a chat with two center-left friends form Europe. They had built a sizable cash position and had little exposure to equities. I have no doubt many other investors have similar attitudes judging from my timeline. Yes this is anecdotal - but it reflects the attitudes of many investors who are offsides because of their normative views. The United States is a large services economy fueled by transfer payments federal spending - coupled with a productivity boom and sustainable capex"
X Link @ramahluwalia 2025-10-14T02:10Z 46.9K followers, 22.8K engagements

"@unusual_whales not a single original idea in the replies thats not been bandied about on X"
X Link @ramahluwalia 2025-10-05T17:08Z 46.9K followers, 3850 engagements

"Meanwhile take a look at the FCF Yield on Accenture $ACN Rarely been this high. This is what I mean by 'shifts in positioning' could be in order. There's still stuff to do the bull market is intact"
X Link @ramahluwalia 2025-10-06T01:22Z 46.9K followers, 1360 engagements

"2025: THE YEAR OF GOLDILOCKS What happens when the S&P posts two back-to-back years of XX% returns You get another strong year. The left-tail is inflation. But Bessent and Warsh are deficit and monetary hawks. Trumps economic team is looking pretty good. Also a good test for when you are near a top when looking for good stocks at good valuations you cant find any. When our screens dont turn up many bargains that is a warning signal. I dont see that. Instead we see Mr Market putting a different sector of the equity market on sale each quarter which makes my job a lot easier. I still see plenty"
X Link @ramahluwalia 2024-11-25T03:00Z 46.9K followers, 37.4K engagements

"BILL GURLEY: PEARLS Of WISDOM Great thread on insights from @bgurley. I remember reading about Bill and his VC exploits at Benchmark Capital as a college kid in the dot com era. Truly thoughtful investor"
X Link @ramahluwalia 2025-09-25T23:01Z 46.9K followers, 7616 engagements

"CFA Level 4"
X Link @ramahluwalia 2025-10-12T19:57Z 46.9K followers, 11.5K engagements

"Brutal day. The Trump news combined with 'overbought' conditions led to a sharp decline. I would expect that if there is a gap down Monday open with a Vix spike that would be buyable. The froth is getting cleared out quickly. Earnings season is just around the corner and the banks will report just fine this week. The traders who exited their positions will be back soon"
X Link @ramahluwalia 2025-10-10T20:06Z 46.9K followers, 33.6K engagements

"@Bitfinexed large issuers are subject to annual audit"
X Link @ramahluwalia 2025-10-04T23:25Z 46.9K followers, XXX engagements

"CREDIT RISK After Friday's flush am tiling bullish and will be increasing net exposure. The only big question out there is this. The BDCs Banks Private Credit and Consumer Finance complex have sold off significantly in the last month or so. Of course the common theme here is credit risk. What caused this sell-off was the the fraudulent collapse of suprime auto lender (Tricolor) and First Brand's bankruptcy. These events have caused a confidence shock in investors. But quality names have sold off with junky names. The Spring 2023 banking crisis exposed several banks when the tide went out --"
X Link @ramahluwalia 2025-10-13T00:49Z 46.9K followers, 21.6K engagements

"@onewaytrades hyperliquid is a winner from this debacle"
X Link @ramahluwalia 2025-10-12T16:11Z 46.9K followers, XXX engagements

"Investors are waking up to the fact that AI winners that finance their own growth like $GOOGL and $META have an edge How does the never-ending capital guzzling treadmill work after Softbank and you suppliers have bot into your stuck Meanwhile CoreWeave bas $XX Bn+ in backlog on $X Bn in sales with XX% margins. $CRWV"
X Link @ramahluwalia 2025-10-06T23:50Z 46.9K followers, 10.2K engagements

"BIG BANKS BEAT Beat beats and more beats. We're doing a deep-dive focused solely on the earnings transcript analysis in @LumidaWealth next newsletter dropping this weekend. There is no better real-time view in the economy than the health of US bank lending and earnings. Wells Fargo is up X% in part driven by the mortgage refinance boom"
X Link @ramahluwalia 2025-10-14T13:36Z 46.9K followers, 7120 engagements

"INVESTOR TIP: SETUPS Here are a few setups I look for. X. The No News Sell Off A stock is down for no discernible reason. The peer group is still performing and both peers & name remain in an uptrend. $SKYW is an example of that vs $DAL and $UAL X. Thematic Sell Off This is when a theme is in a correction. But earnings growth remains strong as is management guidance. In this scenario you buy the highest quality company the Mercedes Benz in the field. An example: bank core processors have all sold off. The best in the field is Fiserv: $FI X. Narrative Sell Off This is when earnings growth and"
X Link @ramahluwalia 2025-09-19T02:00Z 46.9K followers, 7884 engagements

"Take a look at the Semi Index on a multiple basis. The earnings for these companies are great and the datacenter cycle is still intact. But approaching rarefied territory"
X Link @ramahluwalia 2025-10-06T01:06Z 46.9K followers, 1499 engagements

"Speed of Taco is greater than Speed of Light"
X Link @ramahluwalia 2025-10-12T16:19Z 46.9K followers, 7393 engagements

"TOKENIZATION Tokenized fiat = Stablecoins Tokenized deposits = coming soon. What about tokenized reserves held at the Fed That offering would be safer for large commercial depositors than FDIC insurance"
X Link @ramahluwalia 2025-10-02T19:44Z 46.9K followers, 3530 engagements

"Bad year for stock pickers I beg to differ. Most people have herd mentality"
X Link @ramahluwalia 2025-10-15T12:43Z 46.9K followers, 5758 engagements

"@piqw1k @unusual_whales agreed on $algn we were looking at it this week"
X Link @ramahluwalia 2025-10-05T17:30Z 46.9K followers, XXX engagements

"@Anointed_Ape Eric Jackson does it in front of Drake's house I do it in Tesla FSD lol"
X Link @ramahluwalia 2025-10-15T00:23Z 46.9K followers, XX engagements

"Secretary Bessent just laid out our mortgage refinance thesis. When does Rocket Mortgage buy $BETR is my question Rocket bought another stock we've owned $COOP which is a leading mortgage servicer. Rocket has a $XX Bn market cap and a forward PE of 44x -- higher than $NVDA. They are supposed to do M&A"
X Link @ramahluwalia 2025-09-24T12:15Z 46.9K followers, 18.6K engagements

"Sell me this community bank. Heres why community banks are facing Stage X terminal decline. Banks lend move money and custody. 1) Lending: Post-GFC regs pushed banks out of credit risk into HQLA. Community banks dont take real credit risk now. They provide back leverage and lower cost of deposit banks that can attract deposits have the edge. Community banks have higher deposit costs than the big banks. 2) Payments: Fintechs like Stripe and others own every niche for payments (with a handful of specialized infra banks like Cross River & Leed Bank benefitting from tollgate flows). These"
X Link @ramahluwalia 2025-10-05T02:35Z 46.9K followers, 16.3K engagements

"Banks start reporting in two weeks. Did you buy your financials We bought and own $BFH $C $CFG and own Santander $SAN (love the Spain story) Banks are a spread bet - at least a dozen stand to do very well including international names"
X Link @ramahluwalia 2025-10-04T22:35Z 46.9K followers, 5834 engagements

"@10009nyny @psychprofits think several of these are close to their lows; this week banks report and will say the consumer is fine"
X Link @ramahluwalia 2025-10-11T19:53Z 46.9K followers, XX engagements

"Yes banks will be disrupted by stablecoins. Yes everyone including Coinbase wants to be a bank now. Both statements are true. Im not sure FinTechs truly understand what it means to be a Bank Holding Co under Federal Reserve Supervision. Hard to innovate with that structure"
X Link @ramahluwalia 2025-10-04T22:02Z 46.9K followers, 52.7K engagements

"RECESSION RISK The S&P XXX hit all time highs. again. There's zero chance of a recession folks. Meanwhile people's sentiment about the state of the economy maps to their political preferences. Don't get hoodwinked by your amygdala. I'll be sure to flag a recession risk when I see one - I can't see it"
X Link @ramahluwalia 2025-10-05T14:41Z 46.9K followers, 15.4K engagements

"THERE WERE SIGNS Often the best time to buy digital assets is after a major liquidation. Our devs built a crypto page with an LLM tracking technicals coinbase premium bs spot indicator fear vs greed index liquidations history and De Mark indicators. De Mark correctly tagged the top zone"
X Link @ramahluwalia 2025-10-11T23:26Z 46.9K followers, 29.3K engagements

"Still iterating on the LLM. It did get downturn correct for X out of X assets but maybe that was a fluke Entertainment only. Free to play with looking for beta testers"
X Link @ramahluwalia 2025-10-11T23:28Z 46.9K followers, 2052 engagements