# ![@ramahluwalia Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::16861509.png) @ramahluwalia Ram Ahluwalia CFA, Lumida

Ram Ahluwalia CFA, Lumida posts on X about stocks, crypto, ai, money the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::16861509/interactions)
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### Mentions: [--] [#](/creator/twitter::16861509/posts_active)
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### Followers: [------] [#](/creator/twitter::16861509/followers)
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- [--] Week [------] +0.11%
- [--] Month [------] +0.41%
- [--] Months [------] +4.60%
- [--] Year [------] +13%

### CreatorRank: [-------] [#](/creator/twitter::16861509/influencer_rank)
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### Social Influence

**Social category influence**
[finance](/list/finance)  52.63% [stocks](/list/stocks)  #5876 [technology brands](/list/technology-brands)  20.3% [cryptocurrencies](/list/cryptocurrencies)  9.77% [countries](/list/countries)  8.27% [exchanges](/list/exchanges)  #706 [financial services](/list/financial-services)  6.77% [celebrities](/list/celebrities)  3.01% [travel destinations](/list/travel-destinations)  2.26% [automotive brands](/list/automotive-brands)  1.5%

**Social topic influence**
[stocks](/topic/stocks) #3135, [crypto](/topic/crypto) #1217, [ai](/topic/ai) #6096, [money](/topic/money) 6.77%, [in the](/topic/in-the) 6.77%, [market](/topic/market) #2213, [open ai](/topic/open-ai) 6.02%, [silver](/topic/silver) 5.26%, [$hood](/topic/$hood) #74, [china](/topic/china) 4.51%

**Top accounts mentioned or mentioned by**
[@lumidawealth](/creator/undefined) [@10009nyny](/creator/undefined) [@laurashin](/creator/undefined) [@stocksavvyshay](/creator/undefined) [@mrderivatives](/creator/undefined) [@jrupena](/creator/undefined) [@lowbeta](/creator/undefined) [@baselayerso](/creator/undefined) [@krispatel99](/creator/undefined) [@stockmktnewz](/creator/undefined) [@luxalgo](/creator/undefined) [@wolffinancial](/creator/undefined) [@kobeissiletter](/creator/undefined) [@wolfdefense](/creator/undefined) [@wallstengine](/creator/undefined) [@faststocknewss](/creator/undefined) [@themesetfs](/creator/undefined) [@okavrak](/creator/undefined) [@fundstrat](/creator/undefined) [@autismcapital](/creator/undefined)

**Top assets mentioned**
[Robinhood Markets, Inc.  (HOOD)](/topic/$hood) [NVIDIA Corp. (NVDA)](/topic/$nvda) [Charles Schwab Corporation (SCHW)](/topic/$schw) [Bitcoin (BTC)](/topic/bitcoin) [Coinbase Global Inc. (COIN)](/topic/coinbase) [Mario Coin (COIN)](/topic/$coin) [BlackRock Inc (BLK)](/topic/blackrock) [HUBSPOT, INC. (HUBS)](/topic/$hubs) [Morgan Stanley (MS)](/topic/$ms) [ARK Innovation ETF (ARKK)](/topic/$arkk) [Spacemesh (SMH)](/topic/$smh) [Centrifuge (CFG)](/topic/$cfg) [RAI Finance (SOFI)](/topic/$sofi) [Goldman Sachs (GS)](/topic/goldman-sachs) [Ethereum (ETH)](/topic/ethereum) [Strategy (MSTR)](/topic/$mstr) [Comcast Corporation (CMCSA)](/topic/$cmcsa)
### Top Social Posts
Top posts by engagements in the last [--] hours

"AI MEETS INVESTING Would you invest in this portfolio It has outperformed the S&P [---] by 2x over a three-year backtest. The strategy is really simple. It buys the cheapest stocks in the S&P [---] and re-balances monthly. Some of the names in this basket $HPQ We picked it up this week. Another $CMCSA It's on our [----] Stocking Stuffer list. Another name is a medical device company. Both of these have strong free cashflow yield and should disabuse you of the idea of buying bonds. We will make these 'automated strategies' available on the Lumida Invest app. AI MEETS INVESTING Ive been writing about"  
[X Link](https://x.com/ramahluwalia/status/2010513925767328219)  2026-01-12T00:47Z 48.6K followers, [----] engagements


"CONSTELLATION SOFTWARE I guess its fashionable to point out how quality darling Constellation Software is down 40%. $CSU was on Goldmans conviction list last year if memory serves. I pointed out Constellation was insanely over-priced back in q4 [--] at 100x. At that price You will have great grandkids before you see your principal. Interestingly the name rallied [--] more months on momentum. Then it rolled over. A lot of other quality names like $FIGO and $CAVA and others also cracked. A lot of quality investors that went to school studying Buffett forgot that valuation matters. 1) Price is what"  
[X Link](https://x.com/ramahluwalia/status/2011630575803666487)  2026-01-15T02:44Z 48.6K followers, [----] engagements


"I believe SaaS stocks bottomed today. January [--] [----]. Let's see. 1/ SOFTWARE: DEAD OR ALIVE Back in [----] I made the case that AI is highly disruptive to firms like Adobe and SaaS more generally. I think that's too much of a generalization and really is case-by-case. Take a look at $TEAM sales growth vs. stock price. Notice Sales is https://t.co/kj8ROFRfGs 1/ SOFTWARE: DEAD OR ALIVE Back in [----] I made the case that AI is highly disruptive to firms like Adobe and SaaS more generally. I think that's too much of a generalization and really is case-by-case. Take a look at $TEAM sales growth vs."  
[X Link](https://x.com/ramahluwalia/status/2014443600004661274)  2026-01-22T21:02Z 48.6K followers, 10.8K engagements


"Bought $CRM $HUBS $ADBE $DUOL"  
[X Link](https://x.com/ramahluwalia/status/2014450651019829634)  2026-01-22T21:30Z 48.6K followers, [----] engagements


"@deadseascrollz @Mr_Derivatives its correlated with software. but $HUBS is cheaper"  
[X Link](https://x.com/ramahluwalia/status/2015448510154338785)  2026-01-25T15:35Z 48.6K followers, [---] engagements


"Non-Consensus: CoreWeave The WSJ article had an article titled "What's Ailing CoreWeave" on December 16th. Those articles caused a low in the stock of around $70. Fast forward and now we have a headline of $NVDA investing in Coreweave. The stock is now $100. And the WSJ has a positive article. That's a 42% return in a month and half. That's classic non-consensus. (Disclosure: $CRWV is a Lumida [----] stock pick. We remain long.) https://twitter.com/i/web/status/2015862587053740449 https://twitter.com/i/web/status/2015862587053740449"  
[X Link](https://x.com/ramahluwalia/status/2015862587053740449)  2026-01-26T19:01Z 48.6K followers, [----] engagements


"4/ Under the hood we can see $META's true operating margins if they cut R&D are high (close to 80%). Meta can choose to cut R&D and boost net income whenever they want. This is a 'real embedded option' High operating leverage business with rapid revenue growth. Do you get it anon https://twitter.com/i/web/status/2016722348679057770 https://twitter.com/i/web/status/2016722348679057770"  
[X Link](https://x.com/ramahluwalia/status/2016722348679057770)  2026-01-29T03:57Z 48.6K followers, [---] engagements


"5/ The key question to ask for a business of Meta's size. Can the revenue growth trend continue or is this a mature business. Ad revenue growth YOY is 18%. Ad revenue growth is accelerating"  
[X Link](https://x.com/ramahluwalia/status/2016722357105373612)  2026-01-29T03:57Z 48.6K followers, [---] engagements


"Whats happening now Recent buyers are paper hands / tourists / momentum chaser and now are trapped buyers. They got a dose of reality and will rush to exit"  
[X Link](https://x.com/ramahluwalia/status/2017310845156704477)  2026-01-30T18:55Z 48.6K followers, [----] engagements


"Note: If you are owning momentum you want to have paper hands. The key is detecting and participating in early momentum. If you are a quality value investor you need strong hands while your asset is mispriced or you will be shaken out. Paper hands is a form of mental flexibility. Diamond hands is a form conviction. If you know the asset and have a concept of intrinsic value choose diamond hands. Gold is a momentum idea. There is no valuation framework. The gold run has out paced dollar debasement drastically. So it is a momentum and crowd idea. You want to be paper hands there."  
[X Link](https://x.com/ramahluwalia/status/2017383304883019946)  2026-01-30T23:43Z 48.6K followers, [----] engagements


"Investor Tip: When to have paper hands and when to have diamond hands. How does this interplay with momentum assets and quality value assets. (below) Note: If you are owning momentum you want to have paper hands. The key is detecting and participating in early momentum. If you are a quality value investor you need strong hands while your asset is mispriced or you will be shaken out. Paper hands is a form of mental Note: If you are owning momentum you want to have paper hands. The key is detecting and participating in early momentum. If you are a quality value investor you need strong hands"  
[X Link](https://x.com/ramahluwalia/status/2017400898113479108)  2026-01-31T00:53Z 48.6K followers, [----] engagements


"OpenAIs revenue performance obligations are like a metastasized Stage IV cancer. I think you could create a basket called OpenAI Related and you would see it easily lags benchmarks. Names in there would be: $ORCL $MSFT and others Fortunately markets have priced in this risk sooner than otherwise. We wont ever see a Dot Com level bubble ever again because markets are always learning and memory of that era is in practitioners minds. The pre-condition of the Dotcom bubble was the retirement of nearly every money manager in the Nifty Fifty bubble (except Warren Buffett). Why are markets down Mr."  
[X Link](https://x.com/ramahluwalia/status/2017653364025446707)  2026-01-31T17:37Z 48.6K followers, [----] engagements


"TRUMP VS IRAN Buddy of mine who is an ex-Marine is saying pack your bag notices are being issued that US military action is imminent. He also noted that US infrastructure is lining up on a border not simply sea. Its unlikely this is a wrap up Monday morning situation. Also it is possible this is all part of a pressure campaign. But my view is that Trump will take action on Iran. Department of War is quite the hint isnt it American media is not reporting and probably has a do not report notice. But there is some coverage of US infra build up on international news sites. Im just reporting what"  
[X Link](https://x.com/ramahluwalia/status/2017827851119300644)  2026-02-01T05:10Z 48.6K followers, 18.9K engagements


"What's the main lesson from the Epstein files It's a continuation of bigger trends. A loss of trust in Institutions. A loss of trust in political leaders. A loss of trust in money. Is more centralized power and more government really the answer"  
[X Link](https://x.com/ramahluwalia/status/2018159272719446163)  2026-02-02T03:07Z 48.6K followers, [----] engagements


"IS OPENAI TOO BIG TO FAIL More issues from OpenAI continue to surface and it's weighing on any company linked to OpenAI. This stuff reminds me of subprime mortgage securitization. Bad debt was issued and syndicated around the ecosystem this time's it is OpenAI's equity. The scope is $1 Tn in corporate debt obligations backed by $830 Bn in made up valuation equity. Sam Altman: "OpenAI adoption is slower than we thought." Jensen: "We didn't agree to invest $100 Bn. We were 'invited' to spend $100 Bn." Have you noticed Brad Gerstner isn't participating. NVIDIA AND REALPOLITIK It was foolish for"  
[X Link](https://x.com/ramahluwalia/status/2018746394505613666)  2026-02-03T18:00Z 48.6K followers, [----] engagements


"@tskaerobot @ZaidsJourney at a $12 Bn valuation it's a different story now marked at $20 Bn by citadel also you learn as you go"  
[X Link](https://x.com/ramahluwalia/status/2019073207865618612)  2026-02-04T15:38Z 48.6K followers, [--] engagements


"HONOR THE CONTRARIANS .@KyleSamani is one of the few contrarians in the digital assets market. Kyle always had commercial instincts. He always focused on the Customer and applications that solve real world problems. Kyle combined these traits to build @multicoin. Multicoin deliveree the most face melting returns of all time. Kyle was also one of the first interviews I had on the Lumida Non-Consensus podcast in [----]. That interview was also at the beginning of major digital asset bull market : non-consensus and correct. 0/ A personal update I have decided to step back from @multicoin. It's a"  
[X Link](https://x.com/ramahluwalia/status/2019217949509189859)  2026-02-05T01:14Z 48.6K followers, [----] engagements


"Welcome to the Sam Altman correction. I have no doubt the CEOs and CFOs of OpenAIs counterparties are pissed due to the aggregate level of off balance sheet contractual obligations OpenAI has and will struggle to meet Explained fully below. FSD 46: How Sam Altman Broke the World a https://t.co/k3Hm3SmwjU FSD 46: How Sam Altman Broke the World a https://t.co/k3Hm3SmwjU"  
[X Link](https://x.com/ramahluwalia/status/2019501972294934636)  2026-02-05T20:02Z 48.6K followers, [----] engagements


"The Lumida Ledger really nailed it this week. We should charge for this but genuinely want to help people make better decisions. You can look at my views on any week in the last three years. Some excerpts. subscribe here https://t.co/EVWxGrHyRe subscribe here https://t.co/EVWxGrHyRe"  
[X Link](https://x.com/ramahluwalia/status/2019566025461969158)  2026-02-06T00:17Z 48.6K followers, [----] engagements


"@TheOtherParker_ Crypto was in a bear market with and without 10/10. 10/10 accelerated the issues"  
[X Link](https://x.com/ramahluwalia/status/2019709038947393905)  2026-02-06T09:45Z 48.6K followers, [----] engagements


"2/ Digital assets are still in a bear market though mind the timeframe"  
[X Link](https://x.com/ramahluwalia/status/2020687694808969612)  2026-02-09T02:34Z 48.6K followers, [---] engagements


"3/ Did you know Suggested to my wife we name our first son Tom Brady Ahluwalia Did not roll off the tongue was vetoed. what a story from Michigan second string to GOAT excellence inspires"  
[X Link](https://x.com/ramahluwalia/status/2020689138450575666)  2026-02-09T02:40Z 48.6K followers, [---] engagements


"The Hunt brothers inherited billions from oil. 1973: Inflation was running at 11%. Nelson Hunt: "We don't trust paper money. We're buying hard assets." They started with silver. Quietly. Futures contracts. Physical bars. Coins. By [----] they owned [--] million ounces"  
[X Link](https://x.com/ramahluwalia/status/2020851911457423626)  2026-02-09T13:26Z 48.6K followers, [---] engagements


"Most traders settle futures in cash. The Hunts demanded physical delivery. Hired armed guards. Rented vaults in New York Chicago Zurich London. They weren't trading silver. They were removing it from circulation. The available supply started shrinking"  
[X Link](https://x.com/ramahluwalia/status/2020851915140018418)  2026-02-09T13:26Z 48.6K followers, [---] engagements


"But the Hunts didn't sell at $50. They borrowed MORE money to buy MORE silver. Used their existing silver position as collateral. Margin debt: $1.5 billion. If silver dropped they'd face margin calls. Their bet: Silver only goes up when you own all of it"  
[X Link](https://x.com/ramahluwalia/status/2020851926619812218)  2026-02-09T13:26Z 48.6K followers, [---] engagements


"Silver collapsed. January 21: $50 February: $35 March: $20 March [--] [----] - "Silver Thursday": $10.80 The Hunts couldn't meet margin calls. They owed their brokers $1.7 billion in ONE day. They didn't have it"  
[X Link](https://x.com/ramahluwalia/status/2020851932705828932)  2026-02-09T13:27Z 48.6K followers, [---] engagements


"If the Hunts defaulted it would take down multiple brokerages. Maybe the entire commodities system. March 27: Federal Reserve organized emergency bailout. Consortium of banks loaned the Hunts $1.1 billion. Too big to fail. Paul Volcker Fed Chairman: "The situation is under control." https://twitter.com/i/web/status/2020852174432112788 https://twitter.com/i/web/status/2020852174432112788"  
[X Link](https://x.com/ramahluwalia/status/2020852174432112788)  2026-02-09T13:27Z 48.6K followers, [---] engagements


"The aftermath: The Hunts lost $4.5 billion in paper wealth. Declared bankruptcy in [----]. Fined $134 million for market manipulation. Lifetime ban from commodities trading"  
[X Link](https://x.com/ramahluwalia/status/2020852210221900016)  2026-02-09T13:28Z 48.6K followers, [---] engagements


"The real win in crypto was DeFi - trustless borrow and lending - without a bank intermediary. We have not seen that ever in our civilization and its a big deal. VCs lost focus on this prize"  
[X Link](https://x.com/ramahluwalia/status/2021191209683751412)  2026-02-10T11:55Z 48.6K followers, [---] engagements


"@10009nyny been meaning too kids destroyed bluetooth headphones"  
[X Link](https://x.com/ramahluwalia/status/2021652050137035013)  2026-02-11T18:26Z 48.6K followers, [--] engagements


"Why did the DOJ not meet the victims or interview witnesses (A: They dont want testimony on the record.) Why is no one prosecuted when there is clear evidence on Prince Andrew and others (A: They dont want to prosecute.) Why did surveillance footage fail when it mattered most (A: It was disabled.) Why is the DOJ redacting communications between Ghislane and Epstein (A: The emails implicate influential people.) Absolute power corrupts absolutely. What's the main lesson from the Epstein files It's a continuation of bigger trends. A loss of trust in Institutions. A loss of trust in political"  
[X Link](https://x.com/ramahluwalia/status/2021783637578883295)  2026-02-12T03:09Z 48.6K followers, [----] engagements


"THERE WERE SIGNS [--]. Shay Boloor took the opportunity to dump on his followers citing paying for his marriage as rationale [--]. SoFi booster got a job at SoFi and went dark. This is narrative cover. A convenient way to dump shares and not disclose. [--]. Fortress and Citadel invest in XRP venture deal at a stupid valuation. [--]. A bunch of non-bankers with no experience in Lending start a bank called Erebor at a stupid valuation. [--]. Dozens and dozens of crypto DATs went public. The vast majority of these tokens solve no real world problem. [--]. IPO Season Fatigue A deluge of IPOs hit the market. Many"  
[X Link](https://x.com/ramahluwalia/status/2022124297632841850)  2026-02-13T01:42Z 48.6K followers, [----] engagements


"YOU ONLY EAT AFTER TAX RETURNS I love client emails like this. I felt trapped in the position I didnt want to sell high marginal taxes. Thank you. You saved my ass. We had a new client join recently. They had boatload of unrealized gains. We helped them exit and keep more of their hard earned wealth. And we also had views on these high beta names. Remember you only eat after tax returns. Now this client has more to save for his retirement his kids education and his familys future. They are one step closer to living the life they want to live. Bloomberg: Homeowners Rush to Get Expiring Solar"  
[X Link](https://x.com/ramahluwalia/status/2021918565775856035)  2026-02-12T12:05Z 48.6K followers, [----] engagements


"go to www dot lumidainvest dot com to see for yourself"  
[X Link](https://x.com/ramahluwalia/status/2022282231452967392)  2026-02-13T12:10Z 48.6K followers, [---] engagements


"We are also up-market a focused on DIY Investors. Higher quality customer ICP. And the dopamine is linked to insight not pushing a Buy / Sell button"  
[X Link](https://x.com/ramahluwalia/status/2021747236862828966)  2026-02-12T00:44Z 48.6K followers, [---] engagements


"The vast majority of accountants and wealth managers dont know these compliant techniques. The tax code has all sorts of opportunities. Have you heard of Private Placement Life Insurance"  
[X Link](https://x.com/ramahluwalia/status/2021921401788313677)  2026-02-12T12:16Z 48.6K followers, [----] engagements


"@KrisPatel99 Have you seen the David Goggins meme The sellers are exhausted Timing is everything"  
[X Link](https://x.com/ramahluwalia/status/2022092409937834269)  2026-02-12T23:36Z 48.6K followers, [---] engagements


"Non-Consensus The WSJ had a doom and gloom article titled crypto meltdown. about Coinbase on the front page. $COIN is up 18%. Remember this happened with CoreWeave too. Funny right Non-Consensus: CoreWeave The WSJ article had an article titled "What's Ailing CoreWeave" on December 16th. Those articles caused a low in the stock of around $70. Fast forward and now we have a headline of $NVDA investing in Coreweave. The stock is now $100. And the WSJ has https://t.co/kHHD2I1tTG Non-Consensus: CoreWeave The WSJ article had an article titled "What's Ailing CoreWeave" on December 16th. Those"  
[X Link](https://x.com/ramahluwalia/status/2022389005241979348)  2026-02-13T19:14Z 48.6K followers, [----] engagements


"AI MEETS INVESTING Altruist announced anAI offerings. Charles Schwab $SCHW and legacy wealth managers like $MS promptly tanked. Lumida announced plans to start an AI investing app in the fall. Robinhood has been in a bear market ever since. By the way we added hundreds of users to test the app TODAY. And we just added Insider Trades and Congress / Pelosi tracker features today Dont be against a relentless Founder with a chip on their shoulder. We are coming for all of the marbles. $JPM $MS I mentioned we need [--] years to truly get after Robinhood. Make that [--] months. Way ahead of schedule Devs"  
[X Link](https://x.com/ramahluwalia/status/2021746635894559222)  2026-02-12T00:42Z 48.6K followers, [----] engagements


"AI MEETS INVESTING Raymond James down 7% Ameriprise down 13% Schwab down 11% Robinhood down 12% Kind of amazing how AI Is Eating the World is the new dynamic $RJ $HOOD $SCHW AI MEETS INVESTING Check out this feedback from users testing the @LumidaWealth Lumida Invest App Alright devs hit me with how much subscription is going to cost. Im never deleting this app The AI apocalypse is coming for RobinHood SoFi and the legacy wealth management https://t.co/asKxZ3hLmH AI MEETS INVESTING Check out this feedback from users testing the @LumidaWealth Lumida Invest App Alright devs hit me with how much"  
[X Link](https://x.com/ramahluwalia/status/2022426229878776185)  2026-02-13T21:42Z 48.6K followers, [----] engagements


"In Switzerland the 'rule of bank' trumps the 'rule of law. The government agreed to change the law to fast-track UBSs acquisition of Credit Suisse and bypass shareholder consent. Shareholders will be wiped out. Were the Swiss banks ever truly private then 🤔"  
[X Link](https://x.com/anyuser/status/1637548800620347394)  2023-03-19T20:17Z 48.6K followers, 84K engagements


"Chipotle shareholders continue to run for the border (after earnings) $CMG Chipotle shareholders tired of soggy burritos $CMG https://t.co/pXVBbs4F8N Chipotle shareholders tired of soggy burritos $CMG https://t.co/pXVBbs4F8N"  
[X Link](https://x.com/ramahluwalia/status/2018798047564824606)  2026-02-03T21:25Z 48.6K followers, [----] engagements


"This is Davids indirect way of putting his hat in the ring for PayPal CEO. Realize that all payments stocks are destroyed. Stripe would be down 50%+ if subject to mark to market. Payments is brutally competitive. Avoid competition. $PYPL A few thoughts about PayPal nearly [--] years after I left. I woke up this morning to dozens of messages from former PayPal colleagues. It pushed me to finally speak up. I never spoke publicly about the company after I left. Part of that was loyalty to John Donahoe who gave me A few thoughts about PayPal nearly [--] years after I left. I woke up this morning to"  
[X Link](https://x.com/ramahluwalia/status/2019057648339976302)  2026-02-04T14:37Z 48.6K followers, [----] engagements


"THE BUBBLE IN VENTURE CAPITAL What you are seeing unfold is a massive unwind in the venture capital market. Private market valuations bear no resemblance to reality. The Brex take under at 50% of [----] valuations is evidence of that. IPOs of dozens of VC darlings that tank is another. Companies staying private and avoiding the mark to market discipline of private markets is another example of that. 75% of [----] IPOs are below their IPO price (despite 20% inflation since) Over $1 trillion in private capital is now tied up in unicorns valued on internal marks not clearing prices. Secondary"  
[X Link](https://x.com/ramahluwalia/status/2019352267560833025)  2026-02-05T10:07Z 48.6K followers, 12.6K engagements


"FSD 46: How Sam Altman Broke the World a https://x.com/i/broadcasts/1LyxBXgrQLYGN https://x.com/i/broadcasts/1LyxBXgrQLYGN"  
[X Link](https://x.com/ramahluwalia/status/2019379514179268890)  2026-02-05T11:56Z 48.6K followers, [----] engagements


"FSD 47: The Market with No Bid https://x.com/i/broadcasts/1LyGBXgALWyxN https://x.com/i/broadcasts/1LyGBXgALWyxN"  
[X Link](https://x.com/ramahluwalia/status/2019530480761348480)  2026-02-05T21:56Z 48.6K followers, [----] engagements


"Cathie Woods ARKK is down 20% and in a bear market even as the S&P is just off the highs. ARK Invest is a high beta portfolio that suckers people in at the highs and then goes thru terrible drawdowns. I warned about this portfolio several times. They have no idea what they are doing in my opinion. $ARKK $ARKF Cathie Wood as of now has called the local top in semiconductors with $ARKW's purchase of $NVDA and $TSMC two days ago. Right down to the day. You really can't make this up. $SMH https://t.co/iVFTIbnOdn Cathie Wood as of now has called the local top in semiconductors with $ARKW's"  
[X Link](https://x.com/ramahluwalia/status/2019708387714290175)  2026-02-06T09:42Z 48.6K followers, [----] engagements


"Superbowl Observations: Last year I noted $CFG was a good stock to own during the superbowl. Its continuing to score points. This year 1) $TSM appears poised to out-run $NVDA (better valuation pricing power strong more momentum no OpenAI knock-off risk 2) Stocks with an upward sloping [---] DMA AND a downward sloping [--] DMA are more dangerous than a downward sloping [---] DMA and downward [--] DMA (surprisingly) 3) Baby boomer themes such as insurance annuities travel and leisure and cruise lines are doing well and should continue to do well 4) The half-time show would be better with a 3D hologram"  
[X Link](https://x.com/ramahluwalia/status/2020687161037607149)  2026-02-09T02:32Z 48.6K followers, [----] engagements


"Two Texas billionaires tried to buy all the silver on Earth in [----]. Nelson and William Hunt spent $1 billion buying [---] million ounces. Silver went from $6 to $50 per ounce in [--] months. Then the government changed the rules overnight and they lost everything"  
[X Link](https://x.com/ramahluwalia/status/2020851907971981618)  2026-02-09T13:26Z 48.6K followers, [----] engagements


"Read out the latest Lumida ledger below: https://ledger.lumidawealth.com/ https://ledger.lumidawealth.com/"  
[X Link](https://x.com/ramahluwalia/status/2020852350441730121)  2026-02-09T13:28Z 48.6K followers, [---] engagements


"Realpolitik Meets Mr Beast [----] Mr Beast was the influencer who got behind teen banking app Current. Now that Current has success Mr Beast has decided to launch his own teen banking app. Kind of messed up no"  
[X Link](https://x.com/ramahluwalia/status/2020969138429313119)  2026-02-09T21:12Z 48.6K followers, [----] engagements


"FSD 49: Google Issues Boatload of Bonds https://x.com/i/broadcasts/1BdGYZqgBAvJX https://x.com/i/broadcasts/1BdGYZqgBAvJX"  
[X Link](https://x.com/ramahluwalia/status/2020995054240932247)  2026-02-09T22:55Z 48.6K followers, [----] engagements


"@Microinteracti1 Not really. Legacy brands have been in decline. New brands like $SHAK are replacing them. Been writing about it for years Legacy Brands In Decline: Starbucks is another brand that is hitting limits to growth and going thru a growth to value transition So is Nike $NKE and Apple $AAPL and Lulu $LULU If your marginal consumer is in China and you are facing domestic competition then you have https://t.co/LnCPBzOGrF Legacy Brands In Decline: Starbucks is another brand that is hitting limits to growth and going thru a growth to value transition So is Nike $NKE and Apple $AAPL and"  
[X Link](https://x.com/ramahluwalia/status/2021039829153190112)  2026-02-10T01:53Z 48.6K followers, [---] engagements


"Neither Genius Act or Clarity Act unlock DeFi. Because many of these VCs and Crypto leaders are not serious people they are flippers. The other innovation was trustless payments (send value without an intermediary). Thank you for attending my Ted Talk"  
[X Link](https://x.com/ramahluwalia/status/2021191700538945603)  2026-02-10T11:57Z 48.6K followers, [---] engagements


"One would think in the wake of Chokepoint [---] there would be focus on (trustless) banking. Or capital markets for small business. Or creator economy IP rights. Or something that actually makes sense"  
[X Link](https://x.com/ramahluwalia/status/2021192829284876598)  2026-02-10T12:01Z 48.6K followers, [---] engagements


"@Mr_Derivatives @StockMKTNewz @LuxAlgo @WOLF_Financial @KobeissiLetter @StockSavvyShay @Wolf_Defense_ @JRupena @wallstengine @LowBeta @faststocknewss @ThemesETFs @OKavrak @fundstrat love it and this guy @ramahluwalia"  
[X Link](https://x.com/ramahluwalia/status/2021346469404651607)  2026-02-10T22:12Z 48.6K followers, [---] engagements


"@LowBeta @Mr_Derivatives @StockMKTNewz @LuxAlgo @WOLF_Financial @KobeissiLetter @StockSavvyShay @Wolf_Defense_ @JRupena @wallstengine @faststocknewss @ThemesETFs @OKavrak @fundstrat thanks"  
[X Link](https://x.com/ramahluwalia/status/2021351257953517571)  2026-02-10T22:31Z 48.6K followers, [--] engagements


"FSD 50: Tesla and Robinhood Oh My https://x.com/i/broadcasts/1OwxWeXWzpDGQ https://x.com/i/broadcasts/1OwxWeXWzpDGQ"  
[X Link](https://x.com/ramahluwalia/status/2021382016907067562)  2026-02-11T00:33Z 48.6K followers, [----] engagements


"Robinhood is down 10% after reporting. Look up the term high beta in my posts. I had a dozen warnings about this. I take no pleasure in seeing $HOOD and $SOFI drop. (Ok maybe a little. We are short $ARKK and several of its members) Youre going to see a lot of KOLs lose reputation in the next few months. If you are ideological or hero worship mr Market will punish. The old guard of high beta is done. Duolingo is down 60% in the last [--] months. Robinhood is down 30% from the highs even as the S&P [---] is near record highs. SoFi has hit its highs and its also rolled over. Bitcoin is well off the"  
[X Link](https://x.com/ramahluwalia/status/2021412926309958081)  2026-02-11T02:36Z 48.6K followers, 14.2K engagements


"@10009nyny The Lumida Invest app tracks their holdings"  
[X Link](https://x.com/ramahluwalia/status/2021653768476176773)  2026-02-11T18:33Z 48.6K followers, [--] engagements


"Compare RobinHoods pre-IPO deal in Figma. Is that down 80% Compare that to any and all of our deals"  
[X Link](https://x.com/ramahluwalia/status/2021746944364679213)  2026-02-12T00:43Z 48.6K followers, [---] engagements


"@JKirkWA @baselayerso Yes. This deal closer months ago"  
[X Link](https://x.com/ramahluwalia/status/2022114204527079564)  2026-02-13T01:02Z 48.6K followers, [--] engagements


"BESSENT AND TRUMP CHAT "Mr. President Id like to bring something to your attention. The Nasdaq has now erased post election gains. Its the tariffs sir Trump must be getting an earful. MR. MARKET HAS TARIFFS ON HIS MIND Markets started tanking into the close just after this headline hit re: tariffs. The Vix is now over [--] and we're seeing signs of fear. https://t.co/xLFXIamV16 MR. MARKET HAS TARIFFS ON HIS MIND Markets started tanking into the close just after this headline hit re: tariffs. The Vix is now over [--] and we're seeing signs of fear. https://t.co/xLFXIamV16"  
[X Link](https://x.com/ramahluwalia/status/1895304460089598254)  2025-02-28T02:46Z 48.6K followers, 134.8K engagements


"Cathie Wood as of now has called the local top in semiconductors with $ARKW's purchase of $NVDA and $TSMC two days ago. Right down to the day. You really can't make this up. $SMH"  
[X Link](https://x.com/ramahluwalia/status/1804504405397430603)  2024-06-22T13:19Z 48.6K followers, 699.4K engagements


"FRONT RUN SAM ALTMAN I am a semiconductor capex receiver thesis bull. That means I like the picks and shovels layer. I prefer receivers of capex sending over payers. @sama comes across as way too defensive when asked how they can possibly spend $1 Tn+ in capex. Even if they 10x revenues from $13 Bn to $130 Bn the numbers simply do not make any sense. The best move here is to buy the datacenter supply chain. Front run Sam Altman. OpenAI is planning a $1 Tn IPO in [----]. That could potentially be the time to be cautious on AI stocks. (We'll have to assess then.) 2000s: Goldman Sachs IPO was a"  
[X Link](https://x.com/ramahluwalia/status/1984653058144350653)  2025-11-01T16:05Z 48.6K followers, 233.9K engagements


"Paypal's CEO @acce was terminated. The stock dropped 25% after earnings. Here's the funny thing. PayPal stock's is so highly dislocated that almost any CEO stepping into this will look like a hero in one year's time. Alex's issue was timing. ALL payments stocks are in a massive bear market. Name one that isn't. Fiserv FIS World Pay Shift Four GPN you name it. This is classic "Atrribution Error". PayPal's board has myopia. They should fire themselves. If another CEO was in place PayPal's stock still would have dropped. These stocks are now so dislocated that it's hard to imagine them not up in"  
[X Link](https://x.com/ramahluwalia/status/2020604095648952626)  2026-02-08T21:02Z 48.6K followers, 20.3K engagements


"Raymond is one of our licensed advisors. He left UBS and Fidelity to join @LumidaWealth because he sees our commitment to excellence and holistic approach"  
[X Link](https://x.com/ramahluwalia/status/2021921638741422324)  2026-02-12T12:17Z 48.6K followers, [----] engagements


"DATABRICKS wants to IPO. They are valued at $134 Bn. Meanwhile SaaS multiples have crashed to earth. Do you think Data bricks is worth $134 Bn in public markets No. Venture capital is making the world a better place for all of us. The tech innovation and moonshots we need that. But this is another example of the bubble in private venture markets. Maybe Lumida should open up an outsourced CIO service to help big money managers navigate. We see study and participate in ALL of the asset classes: public markets pre-IPO private credit venture commodities etc. That gives us a unique perspective and"  
[X Link](https://x.com/ramahluwalia/status/2019717614059081841)  2026-02-06T10:19Z 48.6K followers, 12.1K engagements


"@Rewkang AI is a slow take-off not a fast take-off world Productivity and abundance are coming but not this quick"  
[X Link](https://x.com/ramahluwalia/status/2020691084784103633)  2026-02-09T02:47Z 48.6K followers, [----] engagements


"Silver price 1978: $6 per ounce. Hunt brothers kept buying. January 1979: $11 September 1979: $20 December 1979: $35 January [--] 1980: $50.05 The Hunts' position was worth $4.5 billion. They'd made $3.5 billion in paper profits in [--] months"  
[X Link](https://x.com/ramahluwalia/status/2020851919606943883)  2026-02-09T13:26Z 48.6K followers, [---] engagements


"Tiffany & Co. took out a full-page ad in the New York Times in January 1980: "We think it is unconscionable for anyone to hoard several billion yes billion dollars worth of silver." Jewelers couldn't get supply. Industrial users couldn't get supply. The Hunts owned it all"  
[X Link](https://x.com/ramahluwalia/status/2020851923163726003)  2026-02-09T13:26Z 48.6K followers, [---] engagements


"STRIPE TO RAISE AT $140 Bn Stripe raised at $86 Bn valuation at a top of the market round in [----]. Adyen a fintech darling peaked at $32 in [----]. It dropped 20% today alone and is now at $11. $ADYEY is down 65% over this time frame in public markets - along with *every single* payments stock. Stripe is up 62% over this time frame. even as competition intensifies from Tempo Circle etc. Do you really think Stripe is worth $140 Bn Maybe it's worth $40 Bn The Bubble in Venture Capital There are [---] VCs in crypto. There are about [--] protocols that matter. Does this make sense to you The Bubble in"  
[X Link](https://x.com/ramahluwalia/status/2022060183112007937)  2026-02-12T21:28Z 48.6K followers, 16.4K engagements


"2/ I wrote and discussed each of these events as they happened. And a nice recap in the Lumida Ledger two weeks ago"  
[X Link](https://x.com/ramahluwalia/status/2022124484820660690)  2026-02-13T01:43Z 48.6K followers, [----] engagements


"AI MEETS INVESTING Check out this feedback from users testing the @LumidaWealth Lumida Invest App Alright devs hit me with how much subscription is going to cost. Im never deleting this app The AI apocalypse is coming for RobinHood SoFi and the legacy wealth management complex and I am leading the charge Sometimes You Can Just Do Things $HOOD $SOFI AI MEETS INVESTING Altruist announced anAI offerings. Charles Schwab $SCHW and legacy wealth managers like $MS promptly tanked. Lumida announced plans to start an AI investing app in the fall. Robinhood has been in a bear market ever since. By the"  
[X Link](https://x.com/ramahluwalia/status/2022275227447652430)  2026-02-13T11:42Z 48.6K followers, [----] engagements


"The SoFi thing is like a full circle revenge arc isnt it"  
[X Link](https://x.com/ramahluwalia/status/2022283804329533806)  2026-02-13T12:16Z 48.6K followers, [---] engagements


"What are we buying today AI Apocalypse meme is fully priced today or Tuesday"  
[X Link](https://x.com/ramahluwalia/status/2022312338536190192)  2026-02-13T14:10Z 48.6K followers, [----] engagements


"The Dow Jones is out-running Nasdaq and the Waltons are worth more than Jensen Huang"  
[X Link](https://x.com/ramahluwalia/status/2022456377596112980)  2026-02-13T23:42Z 48.6K followers, [----] engagements


"@AutismCapital SBF has the entitlement and all bad feelings are bad defense 🤔 Jurors know better"  
[X Link](https://x.com/ramahluwalia/status/1719810263573029253)  2023-11-01T20:14Z 48.6K followers, 150.3K engagements


"Let Your Kids Fail SBF is fully accountable for his actions. SBF is also a product of a generation of parents that have raised kids by removing any obstacle to success from their path. SBF never experienced adversity in life. Take video games today. They dont have scores. There is no goal. No one is a loser. There is no concept of winning. SAT Scores and standardized tests are going away because they hurt feelings. We understand that performance matters in Athletics. But we do not allow competition in Academics and tolerate mediocrity professionally because of feelings There is a desire to"  
[X Link](https://x.com/anyuser/status/1719816071882936829)  2023-11-01T20:37Z 48.6K followers, 266.7K engagements


"@NAChristakis Admissions DEI took priority over academic scholarship meritocracy and learning for learnings sake Kids show up Freshman year and think they know world history from TikTok"  
[X Link](https://x.com/anyuser/status/1723110055245918596)  2023-11-10T22:47Z 48.6K followers, 23.9K engagements


"The Courts have ruled 3-0 against the SEC Chair. Were going to do a 4-0 and possibly have a Supreme Court that is already skeptical of executive branch overreach weigh in on ambiguous law. All this case law is piling up and thwarting Chair Genslers objectives. JUST IN: Kraken crypto exchange says they will "vigorously defend" themselves against the SEC. JUST IN: Kraken crypto exchange says they will "vigorously defend" themselves against the SEC"  
[X Link](https://x.com/anyuser/status/1726765161891946576)  2023-11-21T00:51Z 48.6K followers, 82.8K engagements


"There you have it: China has capitulated. These Heads of State visits dont happen wily nilly. They are accompanied by a policy package. These are all prepared and then rolled out in the aftermath as a win One should still assume IP theft will continue Last week President Xi Jinping said China wants to be friends with the US and that his nation wont fight a war with anyone one of his clearest remarks yet proclaiming a desire for peaceful ties between the worlds two largest economies https://t.co/PdgOmTpFFB Last week President Xi Jinping said China wants to be friends with the US and that his"  
[X Link](https://x.com/anyuser/status/1728765781700477043)  2023-11-26T13:20Z 48.6K followers, 316.7K engagements


"The precision in President Xi Jinpings transcript is extraordinary. If I didnt know any better it would read like a deep fake. Excerpts: (1) China will never pursue hegemony or expansion and never impose its will on others. Taiwan is safe. (2) China does not seek spheres of influence and will not fight a Cold War or hot war with anyone. Seriously Taiwan is safe. Our warships are targets without semiconductors. We will continue espionage at lower levels. (3) China will remain committed to dialogue and oppose confrontation and build partnerships instead of alliances. We are done with BRICS."  
[X Link](https://x.com/anyuser/status/1728933595979350180)  2023-11-27T00:27Z 48.6K followers, 333.4K engagements


"There are several Bitcoin ETFs launching soon. Which issuer has done the most for the community I did not include ARK Franklin Fidelity (can't fit 'em all). Van Eck BlackRock Grayscale Fidelity Van Eck BlackRock Grayscale Fidelity"  
[X Link](https://x.com/ramahluwalia/status/1729910439524352387)  2023-11-29T17:09Z 48.6K followers, 88.9K engagements


"Why isnt Ethereum Rallying It isjust not where you think it is. Take a look at the ETHE discount. Its steadily closing. A 4% gain today. Theres a concept in futures markets called the cheapest to deliver contract. ETHE is the cheapest to deliver"  
[X Link](https://x.com/anyuser/status/1737982971867545694)  2023-12-21T23:46Z 48.6K followers, 54.2K engagements


"The Widowmaker trade - which laid waste to 3AC Genesis BlockFi - is no more The Grayscale Trade is Dead. https://t.co/kgMtstVeKj The Grayscale Trade is Dead. https://t.co/kgMtstVeKj"  
[X Link](https://x.com/ramahluwalia/status/1745575543079055514)  2024-01-11T22:36Z 48.6K followers, 68.9K engagements


"@molly0xFFF I am waiting for the simulation to end at any moment now Cant make this up The reality script writers are on strike"  
[X Link](https://x.com/anyuser/status/1749119355093135520)  2024-01-21T17:18Z 48.6K followers, 28.6K engagements


"Building a Family Empire like Warren Buffett Uranium Meta https://x.com/i/broadcasts/1YqxoDgROgXKv https://x.com/i/broadcasts/1YqxoDgROgXKv"  
[X Link](https://x.com/anyuser/status/1783513841621733690)  2024-04-25T15:10Z 48.6K followers, 23.4K engagements


"Friend sent me this after hearing my take on $META My view on META evolved after listening to Zuck on the latest call He is not spelling out the vision but I see it He is taking on Microsoft Amazon and Apple Not surprisingly the analysts arent getting the big picture Building a Family Empire like Warren Buffett Uranium Meta https://t.co/TkAGOOaiEJ Building a Family Empire like Warren Buffett Uranium Meta https://t.co/TkAGOOaiEJ"  
[X Link](https://x.com/anyuser/status/1783926160524779966)  2024-04-26T18:28Z 48.6K followers, 32.2K engagements


"2/ I believe SoFi is using the lack of disclosure in its fair value methodology to solve for whatever EPS they want SoFi has $15 Bn+ in unsecured loans and they are a bank and doesnt disclose delinquencies Its about to get worse for SoFI They stopped growing personal loans (probably due to regulatory pressure) - why else is CET1 high They need to net out charge-offs against that equity. If SoFi cannot grow personal loans due to a constraint then the back book will start to express more and more the delinquencies And growth in PLs cannot be used to manage earnings or hit earnings targets on"  
[X Link](https://x.com/ramahluwalia/status/1784979901445210377)  2024-04-29T16:15Z 48.6K followers, [----] engagements


"Crypto is Bipartisan Now Predictions: 1) ETH shorts cover Kerrisdale (shorting $MSTR) scramble to cover shorts ETH ecosystem gets lit 2) Biden approves crypto bill. Warren faction is neutralized. 3) FDIC Chair is replaced at end of term 4) Circle goes public Circle is the Coinbase for the [----] cycle. 5) Stablecoins become the killer app that captures public consciousness 6) Gensler is replaced at end of term 7) Other IPOs start to hit public markets creating a new source of capital and bid for stranded private market investments 8) Banana Zone Update: @JSeyff and I are increasing our odds of"  
[X Link](https://x.com/anyuser/status/1792653823640526948)  2024-05-20T20:29Z 48.6K followers, 142.2K engagements


"WOYM: Podcasts are Bad for Your Health https://x.com/i/broadcasts/1DXGydvkkXZKM https://x.com/i/broadcasts/1DXGydvkkXZKM"  
[X Link](https://x.com/ramahluwalia/status/1876367315337712107)  2025-01-06T20:36Z 48.6K followers, 55K engagements


"SECRETARY BESSENT ON TARIFFS Im a fan. He could be one of the strongest Treasury Secretaries we have seen in decades. Bessent channeled Milton Friedman when he said: Inflation comes thru increasing the money supply Friedman the father of Monetarism famously said: Inflation is always and everywhere a monetary phenomenon. Money *is* the primary factor in setting the Price Level. But its not that simple. This is coming from a guy that has Free to Choose and Friedmans original Price Theory book on his bookshelf. Evidence: 1) 2008: Fed pumped money supply. Goods inflation was absent for decade"  
[X Link](https://x.com/anyuser/status/1880081787013197919)  2025-01-17T02:36Z 48.6K followers, 52.2K engagements


"Ram meets Scott Bessent SECRETARY BESSENT ON TARIFFS Im a fan. He could be one of the strongest Treasury Secretaries we have seen in decades. Bessent channeled Milton Friedman when he said: Inflation comes thru increasing the money supply Friedman the father of Monetarism famously said: https://t.co/SWZCaG31Cm SECRETARY BESSENT ON TARIFFS Im a fan. He could be one of the strongest Treasury Secretaries we have seen in decades. Bessent channeled Milton Friedman when he said: Inflation comes thru increasing the money supply Friedman the father of Monetarism famously said: https://t.co/SWZCaG31Cm"  
[X Link](https://x.com/anyuser/status/1880467466104816104)  2025-01-18T04:09Z 48.6K followers, 198.5K engagements


"INVESTING IS SOCIAL: VIRTU Covid and retail brokerage has transformed investing. $HOOD and $IBKR and $COIN and $SCHW I track a basket of popular retail stocks. Their movements cannot be explained by their factor exposures. Incidentally one of the ways I bet on this trend is by owning $VIRT They are a market maker led by @Dougielarge I expect that market makers will do quite well with the heightened volatility proliferation of ETFs and liquidity needs that retail trading brokerages have. Fun Fact: I had a fun interview with Doug last year. Before the show I asked him 'Why is your stock only"  
[X Link](https://x.com/ramahluwalia/status/1890567673743896832)  2025-02-15T01:03Z 48.6K followers, 12.3K engagements


"RIP Animal Spirits "A basket of unprofitable tech stocks is close to giving up all of its gains from a post-election speculative frenzy." I believe the roadmap in thread below is broadly right the move. Healthcare and insurers are working too. Need to lean into value hard during a growth to value rotation. Themes I like in the Medium Term: - Regional banks / Fintech lending - Utilities - Consumer finance Other themes I like but need to cool off: - Mag [--] - China - Insurance - Travel & Leisure - Large cap financials (Esp European banks) - Communications & Advertising ( $FOXA) Themes I like in"  
[X Link](https://x.com/anyuser/status/1895270210669514982)  2025-02-28T00:30Z 48.6K followers, 104.9K engagements


"CRYPTO RESERVE Notice the timing: 1) On the weekend so crypto natives can front-run the ETFs and BlackRock 2) When the Sunday political talk shows were set to discuss Z. / Putin to scramble that newsflow 3) News arrives just as $MSTR and other animal spirit names are at key technical levels That precision must mean it was @DavidSacks choreographing Impeccable timing As luck would have it we got a position in miner $IREN which has a fwd PE of 3.2x on Friday. I try to find the least crazy Animal Spirit ideas rather than shun and judge them like TradFi does Every asset has its price and buy well"  
[X Link](https://x.com/anyuser/status/1896257377067823486)  2025-03-02T17:52Z 48.6K followers, 109.4K engagements


"Mr Market gave Buffett a little pump on the day before the conference. Berkshire is a trillion dollar market cap and massive holder of US Treasuries. Essentially you are paying an equity multiple premium to hold businesses and a lot of cash and treasuries. Still its a nice symbolic gesture from Mr Market. Buffett is Stepping Down as CEO at Year End. Here is my compilation of the best lessons from Munger & Buffett below. 👇 Buffett is Stepping Down as CEO at Year End. Here is my compilation of the best lessons from Munger & Buffett below. 👇"  
[X Link](https://x.com/anyuser/status/1918745795664478547)  2025-05-03T19:13Z 48.6K followers, 140.3K engagements


"INVESTOR TIP: Free Cashflow Yield vs. ROE ROE is a favorite of Warren Buffett. ROE (and its realted cousing ROIC) is a great metric to look for in an investment. These metrics are the cornerstones of all true quality compounders. A quality compounder can 'invest in itself' -- utilizes its own free cashflow into invest in NPV+ opportunities and generate future returns. But it's not the only metric. Free Cashflow Yield is another one. High Free Cashflow yield means: (1) You can buy back your stock (2) PE firms can buy your stock with your own FCF (3) Outside investors see FCF Yield and know"  
[X Link](https://x.com/ramahluwalia/status/1944029072813650056)  2025-07-12T13:40Z 48.6K followers, [----] engagements


"2/ Take a look at this chart of $REPX for example. Looks like it hasn't gone anywhere since [----] right But. look under the hood at FCF Yield"  
[X Link](https://x.com/ramahluwalia/status/1944034634032906644)  2025-07-12T14:02Z 48.6K followers, [---] engagements


"THE BERKSHIRE CORRECTION Berkshire Hathaway topped out the day Buffett announced his retirement. Its dropped non stop since then. Look it doesnt make sense to pay 22x forward earnings on a portfolio loaded with T-Bills. Heres the opportunity though. Its a nice one and no one has connected the dots here. The decline of Berkshire Hathaways stock has dragged down the prices of all sorts of insurance companies. Berkshire is the largest insurance company out there. The others are dragging down due to correlation effects. But other insurance companies are growing earnings. Their stock price decline"  
[X Link](https://x.com/anyuser/status/1944181513349648593)  2025-07-12T23:46Z 48.6K followers, 122.7K engagements


"@unusual_whales not a single original idea in the replies thats not been bandied about on X"  
[X Link](https://x.com/ramahluwalia/status/1974884382210175017)  2025-10-05T17:08Z 48.6K followers, [----] engagements


"RIPPLE just raised money from Fortress and Citadel @bgarlinghouse Our biggest competitor is not Circle. Its governments around the world that are stymying adoption of new payments rails. Stripe is late to the L1 network. But they could build something suited to their use case. spicy CANTOR CRYPTO & AI ENERGY CONF Easily the best conference in Digital Assets is the Cantor Crypto & AI Energy Infra conference. Here is a panel with Crusoe and OpenAI. Crusoe hit a $10 Bn+ valuation for providing energy to OpenAI. One of the big themes we are focused on https://t.co/zQfI1SinqL CANTOR CRYPTO & AI"  
[X Link](https://x.com/anyuser/status/1988299572628558103)  2025-11-11T17:35Z 48.6K followers, 74.1K engagements


"@Bio_Mita many can be found with a screener I own $MPLX $RPRX $REPX $CFG check IG status this is off the top of my head with corporates earnings and dividends grow over time too sovereign debt is bananas"  
[X Link](https://x.com/ramahluwalia/status/1996061070855917687)  2025-12-03T03:36Z 48.6K followers, [---] engagements


"@FrameworkWisely The Singapore ETF of which $SE is part of is in a downtrend. Why fight the trend Look at the higher level picture"  
[X Link](https://x.com/ramahluwalia/status/2002496373439254799)  2025-12-20T21:48Z 48.6K followers, [----] engagements


"1/ DCG tokens are selling down hard. GBTC broke below $8 on Fri. It's been 30-days since Gemini Earn interest was paid. If there is a cure period we're crossing that threshold. That raises the prospects of a Notice of Default from Gemini. @MessariCrypto sorted by [--] hr %"  
[X Link](https://x.com/ramahluwalia/status/1604071998253998080)  2022-12-17T11:12Z 48.6K followers, 478.5K engagements


"1/ Genesis Ch [--] Finding: How GBTC went to a 50% discount. Summary: - Genesis pledges GBTC to #GeminiEarn - Genesis suspends withdrawals. - Gemini forecloses on GBTC collateral - Gemini sells GBTC to a private buyer causing spread to widen Timeline thread"  
[X Link](https://x.com/ramahluwalia/status/1617315466669879298)  2023-01-23T00:17Z 48.6K followers, 334.1K engagements


"1/ RE: Paxos & BUSD. The SEC issued a No Action Letter to Pocketful of Quarters - a crypto blockchain gaming token in [----]. There was no expectation of profit - a prong of the Howey Test - since the token value was fixed (like a stablecoin). How can the SEC can treat a Paxos issued token as a security and remain consistent"  
[X Link](https://x.com/ramahluwalia/status/1624986476101480449)  2023-02-13T04:19Z 48.6K followers, 386.9K engagements


"1/ DCG shared financials today. This sheds new light on the Genesis Ch [--] plan and the $GBTC discount. It is in DCG's strong interest that creditors approve the Joint Plan. DCG had $575 MM due in May but only has $262 MM in cash as of end of [----] - a liquidity crunch"  
[X Link](https://x.com/ramahluwalia/status/1630417098043170825)  2023-02-28T03:58Z 48.6K followers, 151.2K engagements


"1/ An extraordinary couple of days. The first digital bank runs of the internet era: Signature Silvergate and SVB are gone. FDIC makes unsecured depositors 100% whole. Let's dig in: - The regulator joint statement - Need more Fiat Ramps - JP Morgan & First Republic"  
[X Link](https://x.com/ramahluwalia/status/1635113217004535814)  2023-03-13T02:59Z 48.6K followers, 178.6K engagements


"1/ DCG owes $575 MM to Genesis in May. (DCG is short bitcoin via one of the [--] loans so amount owed is now higher) There is now not enough time to get a new TS definitive docs and forebearance in place. This creates a scenario for DCG default risk. 🧵 DCG Statement on Genesis filing Motion for Mediation: https://t.co/pRluUnL49C DCG Statement on Genesis filing Motion for Mediation: https://t.co/pRluUnL49C"  
[X Link](https://x.com/ramahluwalia/status/1651258688823500801)  2023-04-26T16:15Z 48.6K followers, 341.4K engagements


"1/ Chair Gensler is the Anakin Skywalker for the crypto. He was the Chosen One. Ben Kenobi during the light saber duel: 'He taught MIT Blockchain He wrote Op-Eds in Coindesk.Algorand.' Then the turn to the Dark Side. Here's an explainer on what happened"  
[X Link](https://x.com/ramahluwalia/status/1666185701568782339)  2023-06-06T20:50Z 48.6K followers, 107.5K engagements


"Apple's App Store generates $1.1 Tn in billings on a global basis. The App Store charges a 30% 'take rate' like a gatekeeper to intermediate access to consumers. Ethereum in one sense is a decentralized app store. There's no rent-seeking no tollgate no barrier to entry"  
[X Link](https://x.com/ramahluwalia/status/1672636078027620353)  2023-06-24T16:01Z 48.6K followers, 89.5K engagements


"10 Reasons I am Bullish on Digital Assets. 1) Non-Consensus: Best performing asset class YTD and yet sentiment is bear market 2) The SEC & DOJ Binance actions are telegraphed and priced in. Negatives are priced in. 3) BlackRock is laying out the case for tokenization - the intellectual foundation for putting financial assets on-chain. 4) ETFs for Bitcoin are inevitable. My view is that the current BlackRock ETF as currently written will be rejected. But that doesnt matter for LT investors. It will come and I lay out the recipe on @mrjasonchoi s excellent Blockcrunch podcast dropping this week"  
[X Link](https://x.com/ramahluwalia/status/1678246562147758080)  2023-07-10T03:35Z 48.6K followers, 126.8K engagements


"@chamath Price cuts are bearish. Less revenue earnings and margin and lower Return on Invested Capital. Apple is raising prices on the next iPhone. Thats sign of a moat dominant position and consumer staple / must habe Buffett quality businesses raise prices"  
[X Link](https://x.com/ramahluwalia/status/1698061771112599774)  2023-09-02T19:54Z 48.6K followers, 102.4K engagements


"Id like to thank JP Morgan for denying service to Digital Asset clientele. Its been great for business. If you a JP Morgan Private Wealth client we at @LumidaWealth are happy to help you find a new home. Heres our stack: TradFi Custody: Charles Schwab. We never custody. Crypto Custody: You control or licensed custodian. We never custody. Bank: Max My Interest FDIC insured platform (FDIC sweep across banks to maximize coverage and yield) License: Fiduciary SEC Registered CFA We are not a broker dealer like JP Morgan. We are subject by law & spirit to Duty of Care (Wall Street brokers are"  
[X Link](https://x.com/ramahluwalia/status/1706797795011596595)  2023-09-26T22:27Z 48.6K followers, 169.4K engagements


"1/ The Future is Tokenized Culture Franklin Templetons Jenny Johnson nails it at CNBC Delivering Alpha. - Tokenization = Securitization on Steroids - Tokenization of Cultural IP via NFT Royalty Streams. Rhianna is creating modern era Bowie Bonds for fans that can consume promote and share in the upside. Athletes Creators and their Fans is the fastest path to digital asset adoption. Why Cultural Relevance Compilation of my Tokenization Threads 👇"  
[X Link](https://x.com/ramahluwalia/status/1708154160426758311)  2023-09-30T16:17Z 48.6K followers, 176.9K engagements


"Non-Consensus: Why is it so fashionable to predict the decline of the US Hard disagree with @Noahpinion and @balajis Lets break it down by category. 1) Technology leadership: US dominates 2) Military: US dominates 3) Banking: US has [--] of the Top [--] banks. China has [--] of the Top [--] banks. This is the one source of vulnerability but its the US prize to lose. JP Morgan is now expanding to the UK Blackstone is in China True Chinas banks are ahead on cashless society 4) Demographics: Younger and wider base than China Russia Europe. The US still imports the best brains from China Russia and India."  
[X Link](https://x.com/ramahluwalia/status/1711075251784696276)  2023-10-08T17:45Z 48.6K followers, 1.8M engagements


"1/ NY Attorney General vs. DCG @BarrySilbert: FTX was worse than Madoff. And DCG was worse than Enron. This thread will show how. And why the NYAG's request will force a sale of Grayscale"  
[X Link](https://x.com/ramahluwalia/status/1716218498341597430)  2023-10-22T22:22Z 48.6K followers, 995K engagements


"BREAKING: From Dubai AIM summit: Mohammed El-Erian at Dubai Aim summit said likes a barbell portfolio of cash and bitcoin. Also like "other alternative assets like private credit and litigation finance" El-Erian is the former CIO of PIMCO Harvard Management Company and is a Chief Economic Advisor to insurer Allianz"  
[X Link](https://x.com/ramahluwalia/status/1719000520352751895)  2023-10-30T14:37Z 48.6K followers, 238K engagements


"1/ Coinbase Q3 Earnings YTD Gain: 148%. After-Hours: Down 4%+ ngl folks I've covered Coinbase for a while. This was not a pretty quarter. I lay out exactly how $COIN can unlock value and become the next Square The bull case is the future. Let's dig in 🧵"  
[X Link](https://x.com/ramahluwalia/status/1720244867362603238)  2023-11-03T01:01Z 48.6K followers, 161.4K engagements


"Non-Consensus View: The visit of Chinas premier js a symbolic bending of the knee. China is capitulating. @balajis is not reading this correctly Why China is hurting. - Chinas currency is under pressure as capital leaves at the fastest rate in [--] years - FDI is down to [----] levels - Exports are down significantly due to friend-shoring - Semiconductor export controls are not yet throttling Chinabut they have come up to the line - Chinas Ali Baba and tech leadership cannot get their hands on advanced GPU chips - Chinas birth rate continues a decline that spells industrial mediocrity Why visit"  
[X Link](https://x.com/ramahluwalia/status/1726419096080679086)  2023-11-20T01:56Z 48.6K followers, 6.5M engagements


"I have visited several of these cities. And the infra and airports are great. And I thoroughly enjoyed spending time in Hong Kong Shanghai and other cities. However the images depict the exemplars of the most exemplary cities. Its a cherrypicked crop of the top 1% of highlights. Better test Compare the median city or even better the 25th percentile. How does South Bend Indiana compare a comparable city in China. Or Jacksonville. Or Portsmouth. For me this is a rhetorical question. Once you get out of Chinas cities you are stepping into a timewarp to a bygone era"  
[X Link](https://x.com/ramahluwalia/status/1731664566763876696)  2023-12-04T13:19Z 48.6K followers, 60.3K engagements


"Berkshire Trims Apple: I have studied Buffett and Munger with admiration over many years. I cant tell you satisfying it is to know that we beat Buffett to the punch on Apple. The passive index flows are providing Buffett with exit liquidity now. To my knowledge @LumidaWealth was the first to stake out a critical and vocal stance on Apple over the summer. Since then there have been [--] analyst downgrades. Take a look at how our Apple short is doing initiated Friday and documented in our Sunday newsletter. The Apple Vision Pro is a science experiment that lacks Product Market Fit. Apple Vision"  
[X Link](https://x.com/ramahluwalia/status/1757890941510168939)  2024-02-14T22:13Z 48.6K followers, 66.7K engagements


"Apples Buyback is Exit Liquidity for Buffett: 1) Apples buyback program is $110 Bn 2) Apples free cashflow estimate for all of [--] is [-----] Bn Thats not a coincidence 3) Buffetts stake is $135 Bn Conclusion: Apples buyback program is designed to provide liquidity to Buffets sales Now why didnt management just come out and explain it that way Its understandable Always be skeptical of management on earnings calls Remember Apple had no breakout of Vision Pro sales either Go listen to the earnings call for $MHO by contrast Observation: CEOs from the midwest tend to be direct and straightforward no"  
[X Link](https://x.com/ramahluwalia/status/1786763899913613564)  2024-05-04T14:24Z 48.6K followers, 80.4K engagements


"THE IPO MARKET IS COMING - Stripe - CoreWeave - SpaceEx - DataBricks - StarLink 1H 25"  
[X Link](https://x.com/ramahluwalia/status/1832804541802110991)  2024-09-08T15:33Z 48.6K followers, 81.1K engagements


"On September 19th Chamath forecast that rates would go to 3% That was near the *exact date* rates started going the opposite way to 4.7% Now Chamath expects a bank crisis because rates may go to 8%. That means the move in rates is going to end quite soon. Very few VCs have skill in public markets. They tend to overpay trend chase and get stuck holding the bag on the way down. WOYM: Podcasts are Bad for Your Health https://t.co/282XuVvAYO WOYM: Podcasts are Bad for Your Health https://t.co/282XuVvAYO"  
[X Link](https://x.com/ramahluwalia/status/1877064634600972451)  2025-01-08T18:47Z 48.6K followers, 88.8K engagements


"A FEW OBSERVATIONS: 1) Foreign stock markets - including Germany France and Emerging markets - are decidedly beating the S&P [---] YTD. 2) Trump appears to be focused on lowering the 10-year (which is what is happening) to unlock the mortgage market rather then boosting equities. Recall Bessent said on Friday that 'mortgage rates are coming down and the housing market will unlock' The front-loading of activity makes sense even if it doesn't feel good. The Admin may have concluded its better to have a correction earlier in the administration rather than later. 3) SoTU: Undoubtedly Trump's staff"  
[X Link](https://x.com/ramahluwalia/status/1896728364062519649)  2025-03-04T01:04Z 48.6K followers, 158.7K engagements


"5 YEAR MONEY COMING DUE There is a lot of talk about [--] year debt coming due by folks like @jam_croissant Loans taken out [--] years ago during QE and Covid era stimulus checks must be paid back soon. Debt isn't really ever paid back. It's refinanced. Debt is used to finance assets. Debt isn't a problem if asset values increase. And they certainly have increased over the last [--] years. Systems can handle gradual shifts. Sudden shocks to system don't let debt holders refinance well. Not only is there a need for stable prices in goods and wages so consumers and businesses can plan there is a need"  
[X Link](https://x.com/ramahluwalia/status/1913605418670084495)  2025-04-19T14:47Z 48.6K followers, 80.3K engagements


"How is the @MartinShkreli vs @StockSavvyShay debate not a Netflix Special Biggest pounding since Jake Paul vs Tyson and funny. Who won Shkreli Shay Everyone gets a trophy Shkreli Shay Everyone gets a trophy"  
[X Link](https://x.com/ramahluwalia/status/1970982581358518571)  2025-09-24T22:44Z 48.6K followers, 179.3K engagements


"The CEO of $IONQ went to MIT and Harvard but not really. These are indicia of what a grift looks like folks. How is the @MartinShkreli vs @StockSavvyShay debate not a Netflix Special Biggest pounding since Jake Paul vs Tyson and funny. Who won How is the @MartinShkreli vs @StockSavvyShay debate not a Netflix Special Biggest pounding since Jake Paul vs Tyson and funny. Who won"  
[X Link](https://x.com/ramahluwalia/status/1970996494636556739)  2025-09-24T23:39Z 48.6K followers, 219K engagements


"OpenAI is planning a $1 Tn IPO in [----]. That could potentially be the time to be cautious on AI stocks. (We'll have to assess then.) 2000s: Goldman Sachs IPO was a top signal 2007: Apollo and Blackstone 2021: SPAC and IPO boom ends That large new issue would need to be absorbed. We're going to learn a ton from their S-1 filing in [----]. The old joke about Wall Street is that your revenue walks out the door each night. Its a (tech enabled) people business. Compensation expense as a % of Revenue for an investment bank is around 45%. OpenAI is paying out 110% of revenue as compensation expense"  
[X Link](https://x.com/ramahluwalia/status/1983881773256704297)  2025-10-30T13:00Z 48.6K followers, 217.1K engagements


"CANTOR CRYPTO & AI ENERGY CONF Easily the best conference in Digital Assets is the Cantor Crypto & AI Energy Infra conference. Here is a panel with Crusoe and OpenAI. Crusoe hit a $10 Bn+ valuation for providing energy to OpenAI. One of the big themes we are focused on @LumidaWealth is Datacenter energy. We recently closed on New West Data what we refer to as the next Crusoe. They take natural gas that no pipeline egress and use that to power datacenters. They source energy in Alberta CA where they have proven operations. I expect it will be a [--] to 5x in a few years. Check out the line up"  
[X Link](https://x.com/ramahluwalia/status/1988283839928570169)  2025-11-11T16:33Z 48.6K followers, 71K engagements

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