Money Flow Journal

Why Gold Prices Keep Rising Gold has long been a safe haven asset, a store of value, and a hedge against economic uncertainty. Its price often trends upward, frequently outpacing inflation and other investments. But what drives this persistent rise in gold prices, especially in recent times? Below, we explore the key factors, including recent developments, behind the consistent increase in gold prices, along with a historical overview of annual average gold prices. 1. Inflation and Currency Devaluation Inflation remains a significant driver of gold prices. When fiat currencies lose purchasing power due to rising inflation, gold becomes a preferred store of value. Unlike paper money, gold cannot be printed or devalued by central banks, making it a hedge against currency devaluation. For instance, in 2023 and 2024, persistent inflationary pressures in major economies, driven by supply chain disruptions and energy costs, pushed investors toward gold, boosting its price. 2. Economic and Ge...

What Happens When the US Federal Reserve Cuts Interest Rates? In the second half of 2025, the US Federal Reserve (Fed) began lowering interest rates, sending ripples across the global economy and capital markets. How do rate cuts affect financial markets, businesses, and personal wealth strategies? This article explains the key logic and real-world effects. 1. Why Cut Interest Rates? The Fed usually opts to cut rates when economic growth slows, unemployment rises, or inflation eases. The main policy goals include: Reducing borrowing costs for businesses and individuals to stimulate investment and consumption Stabilizing market confidence and preventing excessive economic downturns Enhancing liquidity to guard against systemic financial risks 2. Economic and Market Changes After Rate Cuts 1. Stock Market: Rotation and Rally Short-term boost: Lower rates decrease corporate financing costs, improve profit expectations, and attract capital into stocks. Sector rotation: Tech, real estate, a...

Exploring Nebius Group N.V. (NBIS): A Leader in AI Infrastructure Nebius Group N.V. (NASDAQ: NBIS) is a Netherlands-based technology company focused on building advanced infrastructure and services for the global artificial intelligence (AI) industry. Headquartered in Amsterdam and listed on Nasdaq, Nebius has emerged as a key player in the AI revolution, providing full-stack solutions for AI developers and businesses. This article delves into the company’s background, operations, business segments, and its strategic position in the rapidly growing AI market. Company Overview Founded in 1989 as Yandex N.V. by Arkady Volozh, Nebius Group N.V. underwent a significant transformation in July 2024, when it divested its Russian and Russia-related assets, including Yandex LLC and Yandex.Taxi, due to international sanctions stemming from the Russia-Ukraine conflict. The company rebranded to Nebius Group N.V. in August 2024, retaining its non-Russian businesses and focusing exclusively on AI in...

Tokenization: How Blockchain is Reshaping Asset Management Tokenization is emerging as a hot topic in finance and technology, transforming traditional assets into digital forms for more efficient and inclusive transactions. In today's digital economy, this technology is not only changing how we invest but also unlocking new opportunities in global markets. Below, we'll dive into the definition of tokenization, its advantages, real-world applications, and potential challenges. What is Tokenization? Tokenization refers to the process of converting real-world assets—such as real estate, artwork, financial instruments, precious metals, or carbon credits—into digital tokens on a blockchain. These tokens represent partial or full ownership rights and can be traded or transferred on blockchain networks without the need for traditional intermediaries. This process often involves smart contracts, which are coded, automated programs that manage the issuance, holding, and transfer of toke...

Capitalizing on the Automation Revolution: Discovering Top Robotics Stocks in the US and Hong Kong Markets As automation and artificial intelligence (AI) become key drivers of the global economy, the investment value of the robotics industry is increasingly prominent. For investors in Hong Kong, the highly liquid US and local Hong Kong stock markets offer a convenient gateway to participate in this technological revolution. This article highlights a selection of top-tier and emerging robotics-related companies that are directly investable in these two markets. Leaders and Innovators in the US Market The US stock market is home to the world's most diverse and influential robotics and AI companies, offering investors a wide array of choices, from established industrial giants to cutting-edge providers of medical and AI technology. NVIDIA (NVDA) (USA): While not a direct robot manufacturer, NVIDIA is the indispensable "brain" supplier for modern AI robots. Its powerful GPUs ...

The Estée Lauder Companies Inc: A Global Beauty Powerhouse Navigating Market Challenges The Estée Lauder Companies Inc. (NYSE: EL) stands as one of the world's most prestigious beauty conglomerates, with a rich heritage spanning nearly eight decades. Founded in 1946 by visionary entrepreneur Estée Lauder and her husband Joseph, the company has evolved from a small beauty startup into a global leader in prestige cosmetics, skincare, fragrance, and hair care products. Company Overview and Market Position The Estée Lauder Companies is a global leader in prestige beauty, manufacturing, marketing, and selling high-quality beauty products across approximately 150 countries and territories. With over 62,000 employees worldwide and affiliate offices in more than 50 countries and regions, the company operates across key markets including the Americas, Europe, Middle East and Africa (EMEA), the UK and Ireland, Asia/Pacific, and Mainland China. The company's impressive portfolio encompass...

Meme Coin Investing: Hype, Hope, or Hazard? What Are Meme Coins?Meme coins are cryptocurrencies inspired by internet memes, jokes, or viral online culture. Unlike Bitcoin or Ethereum, which were designed with specific use cases in mind, meme coins often start as parodies or social experiments. The most famous is Dogecoin ($DOGE), created in 2013 as a joke, but since then, thousands have popped up—Shiba Inu ($SHIB), Pepe, FLOKI, and countless others. Popular Meme Coins Here are some of the most well-known meme coins: Dogecoin (DOGE): The original meme coin, featuring the Shiba Inu dog from the famous “Doge” meme. Dogecoin is still popular and often accepted for tips and small transactions. Shiba Inu (SHIB): Dubbed the “Dogecoin killer,” Shiba Inu quickly rose in popularity with its large, passionate community. Pepe (PEPE): Inspired by the Pepe the Frog meme, this coin became a viral hit in 2023. FLOKI (FLOKI): Named after Elon Musk’s pet dog, Floki Inu became a sensation thanks to socia...

Exploring CoreWeave (CRWV): The Rising Star in AI Cloud Computing In the era where artificial intelligence (AI) is sweeping the globe, cloud computing has become the key foundation supporting innovative technologies. CoreWeave, Inc. (stock symbol: CRWV) is a company focused on AI cloud services, rapidly emerging as a market spotlight. Today, let's delve into this company's background, services, market performance, and latest developments to understand how it stands out in the fiercely competitive tech field. Company Background and Development History CoreWeave was founded in 2017, originally named Atlantic Crypto Corporation, with headquarters in Livingston, New Jersey, USA. Initially, the company focused on cryptocurrency mining operations, but in 2022, it pivoted by halting mining activities and fully committing to the cloud computing sector. This transformation has positioned CoreWeave as a leader in AI cloud computing, offering high-performance cloud platforms designed spec...

Exploring Ethereum's Investment Potential in 2025 Ethereum (ETH), the second-largest cryptocurrency by market capitalization, continues to capture the attention of investors worldwide. As a decentralized blockchain platform powering smart contracts and decentralized applications (dApps), Ethereum offers a compelling case for investment. This article explores ETH’s investment potential in 2025, highlighting its technological advancements, market dynamics, the role of stablecoins, and risks. Why Ethereum Stands Out 1. Robust Blockchain Ecosystem Ethereum’s blockchain supports a vast ecosystem of dApps, ranging from decentralized finance (DeFi) platforms to non-fungible tokens (NFTs) and gaming applications. With over 3,000 active dApps as of mid-2025, Ethereum remains the backbone of Web3 innovation. Its smart contract functionality enables developers to build secure, transparent applications, driving adoption across industries. 2. The Merge and Beyond Ethereum’s transition to Proof-...