FionaC personal page - To The Moon

FionaC

FionaC

Everything starts with a Plan

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2021-03-26

? Hold it

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2021-03-26

LOL the new norm

“meme” stocks are flying again

2021-03-26

I believe in Bill Gates & Volkswagen ??‍♀️

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2021-03-24

Way to gooooo

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2021-03-24

If we can UP the demand together we can DOWN the price xp

Here's Why Beyond Meat Stock Could Shine Again in 2021

2021-03-23

Like! Hahaha

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2021-03-09

Contact lenses! ?

Apple Will Lead in AR, Analyst Says. Watch for Its Helmet, Glasses, and Contact Lenses.

2021-03-09

Hmmm. Actually the digits in our bank are already a digital currency for a long long time.. and that’s why decentralized crytocurrencies were born to help balance this danger

The Dangers Of A Central Bank Digital Currency

2021-03-06

Yep, don’t give up on them stocks. Gotta trust the future, the vision, and stick to it

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2021-03-05

Yep set a buy price lower but it’s definitely a good time!

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2021-02-20

Woohoo

Baidu picks CEO for electric car firm, expects launch in 3 years

2021-02-20

Woww

Goldman Sachs is joining the robo-investing party — should you?

2020-12-01

The translation sounds a little weird

Xingsheng Preferred, a unicorn that Alibaba, Meituan and Pinduoduo are imitating

Go to Tiger App to see more news

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Hold it&nbsp;","listText":"? Hold it&nbsp;","text":"? Hold it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/358299495","repostId":"2122443771","repostType":4,"isVote":1,"tweetType":1,"viewCount":2181,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":358290583,"gmtCreate":1616690710442,"gmtModify":1704797561619,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"LOL the new norm&nbsp;","listText":"LOL the new norm&nbsp;","text":"LOL the new norm","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/358290583","repostId":"1182633612","repostType":4,"repost":{"id":"1182633612","kind":"news","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1616685155,"share":"https://ttm.financial/m/news/1182633612?lang=en_US&edition=fundamental","pubTime":"2021-03-25 23:12","market":"us","language":"en","title":"“meme” stocks are flying again","url":"https://stock-news.laohu8.com/highlight/detail?id=1182633612","media":"Tiger Newspress","summary":"Some “meme” stocks are flying again in Thursday trading.The shares of Koss is up 48%,GameStop is up ","content":"<p>Some&nbsp;“meme” stocks are flying again&nbsp;in Thursday trading.The shares of Koss is up 48%,GameStop is up 28%,AMC Entertainment is up 17%,Express&nbsp;is&nbsp;up&nbsp;10%.</p><p><img src=\"https://static.tigerbbs.com/1302a53fc18c4f16064864cc99f90108\" tg-width=\"369\" tg-height=\"296\" referrerpolicy=\"no-referrer\"></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; 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height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n“meme” stocks are flying again\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time\">2021-03-25 23:12</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>Some&nbsp;“meme” stocks are flying again&nbsp;in Thursday trading.The shares of Koss is up 48%,GameStop is up 28%,AMC Entertainment is up 17%,Express&nbsp;is&nbsp;up&nbsp;10%.</p><p><img src=\"https://static.tigerbbs.com/1302a53fc18c4f16064864cc99f90108\" tg-width=\"369\" tg-height=\"296\" referrerpolicy=\"no-referrer\"></p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"KOSS":"高斯电子","AMC":"AMC院线","GME":"游戏驿站"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1182633612","content_text":"Some “meme” stocks are flying again in Thursday trading.The shares of Koss is up 48%,GameStop is up 28%,AMC Entertainment is up 17%,Express is up 10%.","news_type":1,"symbols_score_info":{"GME":0.9,"KOSS":0.9,"AMC":0.9}},"isVote":1,"tweetType":1,"viewCount":2070,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":358290119,"gmtCreate":1616690670931,"gmtModify":1704797560967,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"I believe in Bill Gates &amp; Volkswagen ??‍♀️","listText":"I believe in Bill Gates &amp; Volkswagen ??‍♀️","text":"I believe in Bill Gates & Volkswagen ??‍♀️","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/358290119","repostId":"2122624446","repostType":4,"isVote":1,"tweetType":1,"viewCount":2775,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":351648485,"gmtCreate":1616595075947,"gmtModify":1704796176989,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Way to gooooo","listText":"Way to gooooo","text":"Way to gooooo","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/351648485","repostId":"1184997321","repostType":4,"isVote":1,"tweetType":1,"viewCount":2420,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":351655599,"gmtCreate":1616594836411,"gmtModify":1704796166958,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"If we can UP the demand together&nbsp;we can DOWN the price&nbsp;xp&nbsp;","listText":"If we can UP the demand together&nbsp;we can DOWN the price&nbsp;xp&nbsp;","text":"If we can UP the demand together we can DOWN the price xp","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/351655599","repostId":"1163829159","repostType":4,"repost":{"id":"1163829159","kind":"news","pubTimestamp":1616591036,"share":"https://ttm.financial/m/news/1163829159?lang=en_US&edition=fundamental","pubTime":"2021-03-24 21:03","market":"us","language":"en","title":"Here's Why Beyond Meat Stock Could Shine Again in 2021","url":"https://stock-news.laohu8.com/highlight/detail?id=1163829159","media":"Motley Fool ","summary":"Consumer spending is normalizing, and the meat substitute leader could have much to gain from a reop","content":"<p>Consumer spending is normalizing, and the meat substitute leader could have much to gain from a reopening economy.</p>\n<p>Since its epic rise after its IPO in 2019, the stock for plant-based-protein pioneer&nbsp;<b>Beyond Meat</b>&nbsp;(NASDAQ:BYND)&nbsp;has been stuck in a sideways action. The company has been hit by a flood of new competition, a pandemic, and a steady stream of bearish calls lambasting the high-flying stock's valuation. In spite of all this, though, the company has managed to stay (just barely at times) in growth mode.</p>\n<p>As 2021 gets underway, the extended slumber for this next-gen food stock could be ready to reverse course. Here's why.</p>\n<p><b>This is one way for a stock to crash</b></p>\n<p>After the extreme optimism in the months following its IPO, Beyond Meat stock has been a roller coaster ride. It's dropped, it's made several attempts to run higher, but ultimately it has come back to the same station from which it started almost two years ago: a&nbsp;market cap&nbsp;just shy of $9 billion.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/855358a1d48d9d00410554baeff7ab31\" tg-width=\"2000\" tg-height=\"1333\"><span>IS IT A BEEF PATTY, OR A PLANT-BASED ONE? IT'S HARDER TO TELL THESE DAYS. IMAGE SOURCE: GETTY IMAGES.</span></p>\n<p>This kind of volatile sideways action is one way for a stock to \"crash.\" Since the irrational exuberance wore off in the summer of 2019, Beyond Meat stock is sitting at essentially a 0% return. Meanwhile, the&nbsp;<b>S&amp;P 500</b>&nbsp;is up 33%.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a11cfc35183cbcaac25c7c4b8e835253\" tg-width=\"720\" tg-height=\"435\"><span>DATA BY YCHARTS.</span></p>\n<p>As previously mentioned, though, Beyond Meat itself has continued to grow its business. Even in 2020, it weathered the COVID-19 storm and was able to maintain some positive traction disrupting the massive animal-based protein industry. Foodservice sales -- those made to restaurants -- took a sizable hit as consumers chose to eat at home during the pandemic, but retail sales via its grocery store distributors more than picked up the slack.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/193132417a321a9d268f89a8d55326ef\" tg-width=\"1149\" tg-height=\"420\"><span>DATA SOURCE: BEYOND MEAT. YOY = YEAR OVER YEAR.</span></p>\n<p>Granted, none of this means Beyond Meat shares are trading for some sort of bargain. At 22 times trailing-12-month sales and not reporting much in the way of meaningful profits yet (adjusted&nbsp;EBITDA&nbsp;was just $11.8 million in 2020 on total revenue of $407 million), suffice to say Beyond Meat is expected to return to rapid expansion in 2021 and, well, beyond.</p>\n<p>Powerful brand recognition in an otherwise commoditized marketplace</p>\n<p>I think there's a good chance the implied growth shareholders are expecting will transpire. With the economy reopening, consumers will start returning to restaurants. And restaurants themselves will start to normalize their supply chains, too. Simplified menus with fewer options -- an attempt to cut expenses -- hurt Beyond Meat as much as lower customer foot traffic did.</p>\n<p>But this is more than an economic reopening bet. Beyond Meat and its peer Impossible Foods are on a mission to reduce animal protein consumption and promote more economically friendly practices. The message continues to win over fans. Some fast followers among food supplier incumbents have benefited, too (like&nbsp;<b>Nestle</b>&nbsp;and itsSweet Earth subsidiary). But as competition mounts and pricing on plant-based protein products falls, Beyond Meat has done a pretty good job&nbsp;holding on to some profit margin. Increasing retail and foodservice distribution will help this cause over time now that it's built out its manufacturing capabilities. Given the multiple dynamics behind the plant-based protein movement, Beyond Meat is looking increasingly less like a fad (hard seltzer, anyone?) and more like a potential long-term trend.</p>\n<p>Here's another case in point: It's rare for restaurants to name their supplier in marketing campaigns. But there are exceptions. Think&nbsp;<b>Coca-Cola</b>&nbsp;products with fiercely loyal fans of its drinks,<b>PepsiCo</b>&nbsp;and its drinks and snack foods, or the \"Certified Angus Beef\" trademark. To pique diner interest, a restaurant might name drop a key food supplier if it has brand power. It's early in the game, but Beyond Meat is exhibiting this kind of consumer awareness and brand loyalty. When's the last time you saw a fast-food company tout carrying Sweet Earth burger patties? Beyond Meat, by contrast, often gets mentioned. And it continues to forge relationships within foodservice -- most recently&nbsp;inking new deals&nbsp;with&nbsp;two of world's largest chains,<b>McDonald's</b>&nbsp;and&nbsp;<b>Yum! Brands</b>.</p>\n<p>I'm not saying to go out and load up on Beyond Meat stock as the economy (and consumer spending) starts to normalize. A lot is riding on the plant-based food company returning to rapid growth, and with the effects of the pandemic still ongoing, those efforts could be derailed. However, if it does recapture some double-digit percentage expansion, 2021 could be the year Beyond Meat stock shines once more.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Here's Why Beyond Meat Stock Could Shine Again in 2021</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHere's Why Beyond Meat Stock Could Shine Again in 2021\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-03-24 21:03 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/03/24/why-beyond-meat-stock-could-shine-again-in-2021/><strong>Motley Fool </strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Consumer spending is normalizing, and the meat substitute leader could have much to gain from a reopening economy.\nSince its epic rise after its IPO in 2019, the stock for plant-based-protein pioneer ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/03/24/why-beyond-meat-stock-could-shine-again-in-2021/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BYND":"Beyond Meat, Inc."},"source_url":"https://www.fool.com/investing/2021/03/24/why-beyond-meat-stock-could-shine-again-in-2021/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1163829159","content_text":"Consumer spending is normalizing, and the meat substitute leader could have much to gain from a reopening economy.\nSince its epic rise after its IPO in 2019, the stock for plant-based-protein pioneer Beyond Meat (NASDAQ:BYND) has been stuck in a sideways action. The company has been hit by a flood of new competition, a pandemic, and a steady stream of bearish calls lambasting the high-flying stock's valuation. In spite of all this, though, the company has managed to stay (just barely at times) in growth mode.\nAs 2021 gets underway, the extended slumber for this next-gen food stock could be ready to reverse course. Here's why.\nThis is one way for a stock to crash\nAfter the extreme optimism in the months following its IPO, Beyond Meat stock has been a roller coaster ride. It's dropped, it's made several attempts to run higher, but ultimately it has come back to the same station from which it started almost two years ago: a market cap just shy of $9 billion.\nIS IT A BEEF PATTY, OR A PLANT-BASED ONE? IT'S HARDER TO TELL THESE DAYS. IMAGE SOURCE: GETTY IMAGES.\nThis kind of volatile sideways action is one way for a stock to \"crash.\" Since the irrational exuberance wore off in the summer of 2019, Beyond Meat stock is sitting at essentially a 0% return. Meanwhile, the S&P 500 is up 33%.\nDATA BY YCHARTS.\nAs previously mentioned, though, Beyond Meat itself has continued to grow its business. Even in 2020, it weathered the COVID-19 storm and was able to maintain some positive traction disrupting the massive animal-based protein industry. Foodservice sales -- those made to restaurants -- took a sizable hit as consumers chose to eat at home during the pandemic, but retail sales via its grocery store distributors more than picked up the slack.\nDATA SOURCE: BEYOND MEAT. YOY = YEAR OVER YEAR.\nGranted, none of this means Beyond Meat shares are trading for some sort of bargain. At 22 times trailing-12-month sales and not reporting much in the way of meaningful profits yet (adjusted EBITDA was just $11.8 million in 2020 on total revenue of $407 million), suffice to say Beyond Meat is expected to return to rapid expansion in 2021 and, well, beyond.\nPowerful brand recognition in an otherwise commoditized marketplace\nI think there's a good chance the implied growth shareholders are expecting will transpire. With the economy reopening, consumers will start returning to restaurants. And restaurants themselves will start to normalize their supply chains, too. Simplified menus with fewer options -- an attempt to cut expenses -- hurt Beyond Meat as much as lower customer foot traffic did.\nBut this is more than an economic reopening bet. Beyond Meat and its peer Impossible Foods are on a mission to reduce animal protein consumption and promote more economically friendly practices. The message continues to win over fans. Some fast followers among food supplier incumbents have benefited, too (like Nestle and itsSweet Earth subsidiary). But as competition mounts and pricing on plant-based protein products falls, Beyond Meat has done a pretty good job holding on to some profit margin. Increasing retail and foodservice distribution will help this cause over time now that it's built out its manufacturing capabilities. Given the multiple dynamics behind the plant-based protein movement, Beyond Meat is looking increasingly less like a fad (hard seltzer, anyone?) and more like a potential long-term trend.\nHere's another case in point: It's rare for restaurants to name their supplier in marketing campaigns. But there are exceptions. Think Coca-Cola products with fiercely loyal fans of its drinks,PepsiCo and its drinks and snack foods, or the \"Certified Angus Beef\" trademark. To pique diner interest, a restaurant might name drop a key food supplier if it has brand power. It's early in the game, but Beyond Meat is exhibiting this kind of consumer awareness and brand loyalty. When's the last time you saw a fast-food company tout carrying Sweet Earth burger patties? Beyond Meat, by contrast, often gets mentioned. And it continues to forge relationships within foodservice -- most recently inking new deals with two of world's largest chains,McDonald's and Yum! Brands.\nI'm not saying to go out and load up on Beyond Meat stock as the economy (and consumer spending) starts to normalize. A lot is riding on the plant-based food company returning to rapid growth, and with the effects of the pandemic still ongoing, those efforts could be derailed. However, if it does recapture some double-digit percentage expansion, 2021 could be the year Beyond Meat stock shines once more.","news_type":1,"symbols_score_info":{"BYND":0.9}},"isVote":1,"tweetType":1,"viewCount":2513,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":353566853,"gmtCreate":1616508235272,"gmtModify":1704795059183,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Like! Hahaha","listText":"Like! Hahaha","text":"Like! Hahaha","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/353566853","repostId":"2121481181","repostType":4,"isVote":1,"tweetType":1,"viewCount":2430,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":323089111,"gmtCreate":1615288921833,"gmtModify":1704780645316,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Contact lenses! ?","listText":"Contact lenses! ?","text":"Contact lenses! ?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/323089111","repostId":"1145363250","repostType":4,"repost":{"id":"1145363250","kind":"news","pubTimestamp":1615283882,"share":"https://ttm.financial/m/news/1145363250?lang=en_US&edition=fundamental","pubTime":"2021-03-09 17:58","market":"us","language":"en","title":"Apple Will Lead in AR, Analyst Says. Watch for Its Helmet, Glasses, and Contact Lenses.","url":"https://stock-news.laohu8.com/highlight/detail?id=1145363250","media":"Barrons","summary":"Over time,Apple has been a pioneer in the way humans work with computers. Although it isn’t always a","content":"<p>Over time,Apple&nbsp;has been a pioneer in the way humans work with computers. Although it isn’t always at the head of the innovation curve, no company has had a more dramatic impact on the way humans and machines interact.</p>\n<p>As TFI Asset Management analyst Ming-Chi Kuo pointed out in a research note released over the weekend, Apple popularized themouseandgraphical user interfacefor computers,the iPod click wheel,andmulti-touchfunctionality for the iPhone and iPad. And he says Apple can lead the way in the next leap in computing interfaces:mixed and augmented reality.</p>\n<p>“We believe that MR/AR will be the next critical technology to define the innovative human-machine interface for electronic products,” Kuo wrote in the note. “We believe that MR/AR will provide innovative visual experiences and redefine human behavior in creating, processing, and receiving information, which is why Apple is highly committed to MR/AR. One of Apple’s advantages is defining the innovative human-machine interface, so we are taking a positive view of Apple’s future in MR/AR.”</p>\n<p>Kuo argued that in the long run, MR/AR interfaces will replace all display-equipped electronic products. Apple’s strategy will unfold in three stages, he predicted.</p>\n<p>He expects Apple to launch a helmet for virtual and augmented reality experiences by mid-2022. Kuo says the helmet will be equipped withSony-built Micro-OLED displaysand various optical modules to provide a “video see-through AR experience,” but with the ability to offer virtual-reality experiences as well.</p>\n<p>He thinks the price tag of the helmet will be similar to that of high-end iPhones, at about $1,000. Kuo expects the contract manufacturerPegatronto produce the helmets.</p>\n<p>“Although Apple has been focusing on AR, we think the hardware specifications of this product can provide an immersive experience that is significantly better than existing VR products,” he wrote. “We believe that Apple may highly integrate this helmet with video-related applications (like Apple TV+, Apple Arcade, etc.) as one of the key selling points.”</p>\n<p>Kuo said Apple’s second product in this category will be MR/AR glasses. He doesn’t think Apple has an existing prototype, and wrote that the glasses won’t reach the market before 2025, at the earliest. Kuo thinks the glasses will be more specifically intended for augmented reality applications. “We are looking forward to seeing the integration of glasses and Apple Car to provide an innovative user experience,” he said.</p>\n<p>Even farther out, in 2030 or later, he expects Apple to offer a contact-lens product with MR/AR capabilities. “This product will bring electronics from the era of “visible computing” to “invisible computing,” he said.</p>\n<p>Apple as a matter of policy doesn’t discuss unannounced products, and hasn’t addressed any of these potential devices.&nbsp;The stock was down 1.9%, to $119.18 on Monday morning.</p>","source":"lsy1601382232898","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Apple Will Lead in AR, Analyst Says. Watch for Its Helmet, Glasses, and Contact Lenses.</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nApple Will Lead in AR, Analyst Says. Watch for Its Helmet, Glasses, and Contact Lenses.\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-03-09 17:58 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.barrons.com/articles/apple-will-lead-in-ar-analyst-says-watch-for-its-helmet-glasses-and-contact-lenses-51615223178?mod=hp_DAY_4><strong>Barrons</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Over time,Apple has been a pioneer in the way humans work with computers. Although it isn’t always at the head of the innovation curve, no company has had a more dramatic impact on the way humans and ...</p>\n\n<a href=\"https://www.barrons.com/articles/apple-will-lead-in-ar-analyst-says-watch-for-its-helmet-glasses-and-contact-lenses-51615223178?mod=hp_DAY_4\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AAPL":"苹果"},"source_url":"https://www.barrons.com/articles/apple-will-lead-in-ar-analyst-says-watch-for-its-helmet-glasses-and-contact-lenses-51615223178?mod=hp_DAY_4","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1145363250","content_text":"Over time,Apple has been a pioneer in the way humans work with computers. Although it isn’t always at the head of the innovation curve, no company has had a more dramatic impact on the way humans and machines interact.\nAs TFI Asset Management analyst Ming-Chi Kuo pointed out in a research note released over the weekend, Apple popularized themouseandgraphical user interfacefor computers,the iPod click wheel,andmulti-touchfunctionality for the iPhone and iPad. And he says Apple can lead the way in the next leap in computing interfaces:mixed and augmented reality.\n“We believe that MR/AR will be the next critical technology to define the innovative human-machine interface for electronic products,” Kuo wrote in the note. “We believe that MR/AR will provide innovative visual experiences and redefine human behavior in creating, processing, and receiving information, which is why Apple is highly committed to MR/AR. One of Apple’s advantages is defining the innovative human-machine interface, so we are taking a positive view of Apple’s future in MR/AR.”\nKuo argued that in the long run, MR/AR interfaces will replace all display-equipped electronic products. Apple’s strategy will unfold in three stages, he predicted.\nHe expects Apple to launch a helmet for virtual and augmented reality experiences by mid-2022. Kuo says the helmet will be equipped withSony-built Micro-OLED displaysand various optical modules to provide a “video see-through AR experience,” but with the ability to offer virtual-reality experiences as well.\nHe thinks the price tag of the helmet will be similar to that of high-end iPhones, at about $1,000. Kuo expects the contract manufacturerPegatronto produce the helmets.\n“Although Apple has been focusing on AR, we think the hardware specifications of this product can provide an immersive experience that is significantly better than existing VR products,” he wrote. “We believe that Apple may highly integrate this helmet with video-related applications (like Apple TV+, Apple Arcade, etc.) as one of the key selling points.”\nKuo said Apple’s second product in this category will be MR/AR glasses. He doesn’t think Apple has an existing prototype, and wrote that the glasses won’t reach the market before 2025, at the earliest. Kuo thinks the glasses will be more specifically intended for augmented reality applications. “We are looking forward to seeing the integration of glasses and Apple Car to provide an innovative user experience,” he said.\nEven farther out, in 2030 or later, he expects Apple to offer a contact-lens product with MR/AR capabilities. “This product will bring electronics from the era of “visible computing” to “invisible computing,” he said.\nApple as a matter of policy doesn’t discuss unannounced products, and hasn’t addressed any of these potential devices. The stock was down 1.9%, to $119.18 on Monday morning.","news_type":1,"symbols_score_info":{"AAPL":0.9}},"isVote":1,"tweetType":1,"viewCount":2542,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":329784971,"gmtCreate":1615281187693,"gmtModify":1704780515859,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Hmmm. Actually the digits in our bank are already a&nbsp;digital currency for a long long time.. and that’s why decentralized crytocurrencies were born to help balance this danger","listText":"Hmmm. Actually the digits in our bank are already a&nbsp;digital currency for a long long time.. and that’s why decentralized crytocurrencies were born to help balance this danger","text":"Hmmm. Actually the digits in our bank are already a digital currency for a long long time.. and that’s why decentralized crytocurrencies were born to help balance this danger","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/329784971","repostId":"1159776381","repostType":4,"repost":{"id":"1159776381","kind":"news","pubTimestamp":1615279955,"share":"https://ttm.financial/m/news/1159776381?lang=en_US&edition=fundamental","pubTime":"2021-03-09 16:52","market":"us","language":"en","title":"The Dangers Of A Central Bank Digital Currency","url":"https://stock-news.laohu8.com/highlight/detail?id=1159776381","media":"zerohedge","summary":"In recent weeksJerome Powell at the Federal Reserve andChristine Lagarde at the European Central Ban","content":"<p>In recent weeks<b>Jerome Powell</b>&nbsp;at the Federal Reserve and<b>Christine Lagarde</b>&nbsp;at the European Central Bank have commented on the likelihood of implementing digital currencies in the next years. The positives have been well explained.<b>More transparency</b>, ease of use and lower cost.</p>\n<p>The&nbsp;<b>European Central Bank</b>&nbsp;has stated that “a digital euro would guarantee that citizens in the euro area can maintain costless access to a simple, universally accepted, safe and trusted means of payment. The digital euro would still be a euro: like banknotes but digital. It would be an electronic form of money issued by the Eurosystem (the ECB and national central banks) and accessible to all citizens and firms. A digital euro would not replace cash, but rather complement it. The Eurosystem will continue to ensure that you have access to euro cash across the euro area. A digital euro would give you an additional choice about how to pay and make it easier to do so, contributing to financial inclusion alongside cash”.</p>\n<p>In the United States, many voices call for a digital dollar to compete with China’s yuan. However, the US dollar is already the world reserve currency, it is used in more than 80% of global transactions while the yuan is used in less than 4%, according to the Bank of International Settlements (the total is 200% as each transaction involves two currencies), and most payments and transfers are already electronic. The euro is the second most used currency and is also mostly through electronic transfers. One can say that the US Dollar and the euro are already “digital”.</p>\n<p><b>All this sounds good. So, why should we worry about a central bank “digital currency”?</b></p>\n<p><img src=\"https://static.tigerbbs.com/1c7c56ed9a63f5492b2a0c5f972a95e4\" tg-width=\"500\" tg-height=\"281\"><b><u>There are important risk factors to consider.</u></b></p>\n<p><b>The first one is privacy.</b>The central bank would control almost all transactions in a currency and have all the information of how deposits and savings are kept. The gradual implementation of the central bank digital currency would involve important risks of privacy but also concerns about the central bank controlling the amount of savings and their form. A central bank that controls all transactions and how savings are kept is also able to act against those savings by “dissolving” them with monetary policy.</p>\n<p>The most important risk of a digital currency is that it would<b>provide unlimited power to central banks to increase the money supply and direct it where governments want it</b>.</p>\n<p>The digital currency would eliminate the banks as intermediaries in the transmission mechanism of monetary policy. These “brakes” are and have been essential to contain inflation and excessive government control of money creation. In quantitative easing the credit system works as a tool to prevent the inflationary pressures of money supply. When central banks increase their balance sheet it does not immediately translate to inflation because we, citizens, and businesses, limit the money supply risk of destroying purchasing power of the currency by taking less credit than the increase in money supply. If citizens and businesses do not demand more credit, the transmission mechanism of monetary policy has enough back-stops that prevent excess of money from creating massive inflationary pressures in goods and services. Yes, quantitative easing does generate massive inflation in asset prices by making the most secure asset -sovereign bonds- very expensive, but it certainly works well as a brake on inflationary risks. Governments are also limited in their borrowing desires by their budgets and internal financial controls.</p>\n<p><b>Money creation is never neutral, and disproportionately benefits the first recipients of new money created, governments, while hurting massively the last recipients, savers and real wages.</b>The digital currency would not only open the flood gates of much higher money supply growth, but destroy all the mechanisms that prevent new money from being absorbed entirely by political spending and eroding the purchasing power of salaries and wages. In essence, a central bank digital currency can be the dream of a central planner as the ultimate tool for the expropriation of wealth and taking control of an economy to put it entirely in the hands of governments.</p>\n<p><b>A digital currency could open the risk of eliminating all controls on government spending,</b>as politicians would be the first recipients of all newly created money and able to do so without budget control.&nbsp; As such, a digital currency could be a dangerous tool used for the nationalization of the economy</p>\n<p>When banks and the credit mechanism are erased from the transmission of monetary policy, the risk of inflation and destruction of the purchasing power of the currency rises massively. It would eliminate the demand part of the credit mechanism as a brake on inflation.</p>\n<p><b>The reader may think that the above is too negative and that this would not necessarily happen.</b></p>\n<p>However, the reader must think of the following question:</p>\n<blockquote>\n <i><b>If governments are given a tool that allows them to spend all they want and take control of the economy, do you really believe they will not use it?</b></i>\n</blockquote>\n<p>The reader may say that central banks are independent, and that this independence prevents governments from crowding out all money supply and take unlimited risk. Unfortunately, the independence of central banks is increasingly questioned, and monetary policy has gone from being a tool to help make structural reforms to a tool to avoid them. The fact that central banks are almost in all occasions taking actions to facilitate more crowding out of the public sector and more government control and spending does not help either.</p>\n<p>A digital currency can only be a good idea if central banks had no power in the increase of money supply, if they had clear and unbreakable rules -such as a Taylor rule- regarding their policy, and discretionary measures were impossible. Keep dreaming.</p>\n<p>The only way in which a digital currency would work for savers and real wages is if there was clear evidence that it would not be controlled by central banks, curbing the ever-increasing government control of the economy. Unfortunately, that is not the case. When neo-Keynesians talk about “innovation” in central banking and digital currency what they are talking is simply Argentina-style money printing to advance government control of the economy.</p>\n<p><b>A central bank digital currency would eliminate all the remaining limits to government control of the economy.</b></p>\n<p>The risks of a digital currency is enormous. Privacy could disappear and the limits to government spending would be eliminated. Even worse, the power of governments to decide who and why receives new tokens of this money would be unchallenged.<b>In today’s world, we should not even discuss any tool that can open the gate of giving even more power and control of the economy, wages, and savings to governments.</b></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>The Dangers Of A Central Bank Digital Currency</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nThe Dangers Of A Central Bank Digital Currency\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-03-09 16:52 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.zerohedge.com/crypto/dangers-central-bank-digital-currency?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+zerohedge%2Ffeed+%28zero+hedge+-+on+a+long+enough+timeline%2C+the+survival+rate+for+everyone+drops+to+zero%29><strong>zerohedge</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>In recent weeksJerome Powell at the Federal Reserve andChristine Lagarde at the European Central Bank have commented on the likelihood of implementing digital currencies in the next years. The ...</p>\n\n<a href=\"https://www.zerohedge.com/crypto/dangers-central-bank-digital-currency?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+zerohedge%2Ffeed+%28zero+hedge+-+on+a+long+enough+timeline%2C+the+survival+rate+for+everyone+drops+to+zero%29\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.zerohedge.com/crypto/dangers-central-bank-digital-currency?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+zerohedge%2Ffeed+%28zero+hedge+-+on+a+long+enough+timeline%2C+the+survival+rate+for+everyone+drops+to+zero%29","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1159776381","content_text":"In recent weeksJerome Powell at the Federal Reserve andChristine Lagarde at the European Central Bank have commented on the likelihood of implementing digital currencies in the next years. The positives have been well explained.More transparency, ease of use and lower cost.\nThe European Central Bank has stated that “a digital euro would guarantee that citizens in the euro area can maintain costless access to a simple, universally accepted, safe and trusted means of payment. The digital euro would still be a euro: like banknotes but digital. It would be an electronic form of money issued by the Eurosystem (the ECB and national central banks) and accessible to all citizens and firms. A digital euro would not replace cash, but rather complement it. The Eurosystem will continue to ensure that you have access to euro cash across the euro area. A digital euro would give you an additional choice about how to pay and make it easier to do so, contributing to financial inclusion alongside cash”.\nIn the United States, many voices call for a digital dollar to compete with China’s yuan. However, the US dollar is already the world reserve currency, it is used in more than 80% of global transactions while the yuan is used in less than 4%, according to the Bank of International Settlements (the total is 200% as each transaction involves two currencies), and most payments and transfers are already electronic. The euro is the second most used currency and is also mostly through electronic transfers. One can say that the US Dollar and the euro are already “digital”.\nAll this sounds good. So, why should we worry about a central bank “digital currency”?\nThere are important risk factors to consider.\nThe first one is privacy.The central bank would control almost all transactions in a currency and have all the information of how deposits and savings are kept. The gradual implementation of the central bank digital currency would involve important risks of privacy but also concerns about the central bank controlling the amount of savings and their form. A central bank that controls all transactions and how savings are kept is also able to act against those savings by “dissolving” them with monetary policy.\nThe most important risk of a digital currency is that it wouldprovide unlimited power to central banks to increase the money supply and direct it where governments want it.\nThe digital currency would eliminate the banks as intermediaries in the transmission mechanism of monetary policy. These “brakes” are and have been essential to contain inflation and excessive government control of money creation. In quantitative easing the credit system works as a tool to prevent the inflationary pressures of money supply. When central banks increase their balance sheet it does not immediately translate to inflation because we, citizens, and businesses, limit the money supply risk of destroying purchasing power of the currency by taking less credit than the increase in money supply. If citizens and businesses do not demand more credit, the transmission mechanism of monetary policy has enough back-stops that prevent excess of money from creating massive inflationary pressures in goods and services. Yes, quantitative easing does generate massive inflation in asset prices by making the most secure asset -sovereign bonds- very expensive, but it certainly works well as a brake on inflationary risks. Governments are also limited in their borrowing desires by their budgets and internal financial controls.\nMoney creation is never neutral, and disproportionately benefits the first recipients of new money created, governments, while hurting massively the last recipients, savers and real wages.The digital currency would not only open the flood gates of much higher money supply growth, but destroy all the mechanisms that prevent new money from being absorbed entirely by political spending and eroding the purchasing power of salaries and wages. In essence, a central bank digital currency can be the dream of a central planner as the ultimate tool for the expropriation of wealth and taking control of an economy to put it entirely in the hands of governments.\nA digital currency could open the risk of eliminating all controls on government spending,as politicians would be the first recipients of all newly created money and able to do so without budget control.  As such, a digital currency could be a dangerous tool used for the nationalization of the economy\nWhen banks and the credit mechanism are erased from the transmission of monetary policy, the risk of inflation and destruction of the purchasing power of the currency rises massively. It would eliminate the demand part of the credit mechanism as a brake on inflation.\nThe reader may think that the above is too negative and that this would not necessarily happen.\nHowever, the reader must think of the following question:\n\nIf governments are given a tool that allows them to spend all they want and take control of the economy, do you really believe they will not use it?\n\nThe reader may say that central banks are independent, and that this independence prevents governments from crowding out all money supply and take unlimited risk. Unfortunately, the independence of central banks is increasingly questioned, and monetary policy has gone from being a tool to help make structural reforms to a tool to avoid them. The fact that central banks are almost in all occasions taking actions to facilitate more crowding out of the public sector and more government control and spending does not help either.\nA digital currency can only be a good idea if central banks had no power in the increase of money supply, if they had clear and unbreakable rules -such as a Taylor rule- regarding their policy, and discretionary measures were impossible. Keep dreaming.\nThe only way in which a digital currency would work for savers and real wages is if there was clear evidence that it would not be controlled by central banks, curbing the ever-increasing government control of the economy. Unfortunately, that is not the case. When neo-Keynesians talk about “innovation” in central banking and digital currency what they are talking is simply Argentina-style money printing to advance government control of the economy.\nA central bank digital currency would eliminate all the remaining limits to government control of the economy.\nThe risks of a digital currency is enormous. Privacy could disappear and the limits to government spending would be eliminated. Even worse, the power of governments to decide who and why receives new tokens of this money would be unchallenged.In today’s world, we should not even discuss any tool that can open the gate of giving even more power and control of the economy, wages, and savings to governments.","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":2177,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":367434660,"gmtCreate":1614960649850,"gmtModify":1704777659174,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Yep, don’t give up on them stocks.&nbsp;Gotta trust the future, the&nbsp;vision, and stick to it&nbsp;","listText":"Yep, don’t give up on them stocks.&nbsp;Gotta trust the future, the&nbsp;vision, and stick to it&nbsp;","text":"Yep, don’t give up on them stocks. Gotta trust the future, the vision, and stick to it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/367434660","repostId":"1143578966","repostType":4,"isVote":1,"tweetType":1,"viewCount":2094,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":367018014,"gmtCreate":1614886100838,"gmtModify":1704776598430,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Yep set a buy price lower but it’s definitely a good time!&nbsp;","listText":"Yep set a buy price lower but it’s definitely a good time!&nbsp;","text":"Yep set a buy price lower but it’s definitely a good time!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/367018014","repostId":"1109456421","repostType":4,"isVote":1,"tweetType":1,"viewCount":1835,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":387574379,"gmtCreate":1613764238091,"gmtModify":1704884811632,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Woohoo","listText":"Woohoo","text":"Woohoo","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/387574379","repostId":"1151559124","repostType":4,"repost":{"id":"1151559124","kind":"news","pubTimestamp":1613719406,"share":"https://ttm.financial/m/news/1151559124?lang=en_US&edition=fundamental","pubTime":"2021-02-19 15:23","market":"us","language":"en","title":"Baidu picks CEO for electric car firm, expects launch in 3 years","url":"https://stock-news.laohu8.com/highlight/detail?id=1151559124","media":"Seeking Alpha","summary":"Baidu has selected the co-founder of bike-sharing start-up Mobike to be the CEO of its electric car ","content":"<p>Baidu&nbsp;has selected the co-founder of bike-sharing start-up Mobike to be the CEO of its electric car venture withChinese automaker Geely(OTCPK:GELYF)-<i>CNBC</i>.</p>\n<p>Xia Yiping, co-founder of Mobike, will be the CEO of the new entity, according to anonymous source.</p>\n<p>Xia previously worked at Fiat Chrysler and Ford before he co-founded Mobike, which was eventually acquired by Meituan in 2018.</p>\n<p>Last month, Baidu and Geelyjoined forces to create intelligent EV company.</p>\n<p>Baidu’s push into electric vehicles is an attempt to diversify its business beyond just advertising.</p>\n<p>Recently, Baidu reported anothersolid quarter in Q4, with Core revenue reaching RMB 23.1B ($3.5B), which is up 6% Y/Y and up 8% Q/Q, with latter much higher than flattish or low single-digit growth from Q3.</p>\n<p>Non-advertising revenue was up 52%, reaching 18% of Baidu core revenue, driven by the convergence of AI solutions, cloud services and consumer Internet.</p>\n<p>On the earnings call, Robin Li revealed that Baidu’s electric car firm hopes to launch its first vehicle within three years.</p>\n<p>\"Right now, the venture is progressing very well. We have a CEO on board, and we have decided on the brand of the new vehicle,\"said Li in Q4 earnings call.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Baidu picks CEO for electric car firm, expects launch in 3 years</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nBaidu picks CEO for electric car firm, expects launch in 3 years\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-02-19 15:23 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/news/3663807-baidu-picks-ceo-for-electric-car-firm-with-geely><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Baidu has selected the co-founder of bike-sharing start-up Mobike to be the CEO of its electric car venture withChinese automaker Geely(OTCPK:GELYF)-CNBC.\nXia Yiping, co-founder of Mobike, will be the...</p>\n\n<a href=\"https://seekingalpha.com/news/3663807-baidu-picks-ceo-for-electric-car-firm-with-geely\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BIDU":"百度"},"source_url":"https://seekingalpha.com/news/3663807-baidu-picks-ceo-for-electric-car-firm-with-geely","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1151559124","content_text":"Baidu has selected the co-founder of bike-sharing start-up Mobike to be the CEO of its electric car venture withChinese automaker Geely(OTCPK:GELYF)-CNBC.\nXia Yiping, co-founder of Mobike, will be the CEO of the new entity, according to anonymous source.\nXia previously worked at Fiat Chrysler and Ford before he co-founded Mobike, which was eventually acquired by Meituan in 2018.\nLast month, Baidu and Geelyjoined forces to create intelligent EV company.\nBaidu’s push into electric vehicles is an attempt to diversify its business beyond just advertising.\nRecently, Baidu reported anothersolid quarter in Q4, with Core revenue reaching RMB 23.1B ($3.5B), which is up 6% Y/Y and up 8% Q/Q, with latter much higher than flattish or low single-digit growth from Q3.\nNon-advertising revenue was up 52%, reaching 18% of Baidu core revenue, driven by the convergence of AI solutions, cloud services and consumer Internet.\nOn the earnings call, Robin Li revealed that Baidu’s electric car firm hopes to launch its first vehicle within three years.\n\"Right now, the venture is progressing very well. We have a CEO on board, and we have decided on the brand of the new vehicle,\"said Li in Q4 earnings call.","news_type":1,"symbols_score_info":{"BIDU":0.9}},"isVote":1,"tweetType":1,"viewCount":859,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":387572184,"gmtCreate":1613763808448,"gmtModify":1704884808203,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Woww","listText":"Woww","text":"Woww","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/387572184","repostId":"1161529893","repostType":4,"repost":{"id":"1161529893","kind":"news","pubTimestamp":1613733842,"share":"https://ttm.financial/m/news/1161529893?lang=en_US&edition=fundamental","pubTime":"2021-02-19 19:24","market":"us","language":"en","title":"Goldman Sachs is joining the robo-investing party — should you?","url":"https://stock-news.laohu8.com/highlight/detail?id=1161529893","media":"Marketwatch","summary":"‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.Robo investing has become increasingly ubiquitous on practically every brokerage platform. Until Tuesday, Goldman Sachs GS, -0.91% restricted its robo-advisory service, Marcus, to people who had at least $10 million to invest.Now anyone with at least $1,000 to invest in can access the same trading algorithms that have been used by so","content":"<blockquote>\n ‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.\n</blockquote>\n<p>Robo investing has become increasingly ubiquitous on practically every brokerage platform. Until Tuesday, Goldman Sachs GS, -0.91% restricted its robo-advisory service, Marcus, to people who had at least $10 million to invest.</p>\n<p>Now anyone with at least $1,000 to invest in can access the same trading algorithms that have been used by some of Goldman Sachs’ wealthiest clients for a 0.35% annual advisory fee. But investing experts say there are more costs to consider before jumping on the robo-investing train.</p>\n<p>“Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.</p>\n<p>Although the 35 basis-point price tag is a “loss leader” to Goldman Sachs, he said companies typically make such offers in order to attract clients to cross-sell them banking products.</p>\n<p>“People forget that banks are ultimately in the business of making money,” he said.</p>\n<p>Goldman Sachs declined to comment.</p>\n<p>The company is among other major financial-services firms offering digital advisers, including Vanguard, Fidelity and Schwab SCHW, +1.03% and startups such as Betterment and Wealthfront.</p>\n<p>Fees for robo advisers can start at around 0.25%, and increase to 1% and above for traditional brokers. A survey of nearly 1,000 financial planners by Inside Information, a trade publication, found that the bigger the portfolio, the lower the percentage clients paid in fees.</p>\n<p>The median annual charge hovered at around 1% for portfolios of $1 million or less, and 0.5% for portfolios worth $5 million to $10 million.</p>\n<p>Robo advisers like those on offer from Goldman Sachs and Betterment differ from robo platforms like Robinhood. The former suggest portfolios focused on exchange-traded funds, while Robinhood allows users to invest in individual ETFs, stocks, options and even cryptocurrencies.</p>\n<p><b>Robo investing as a self-driving car</b></p>\n<p>Consumers have turned to robo-investing at unprecedented levels during the pandemic.</p>\n<p>The rate of new accounts opened jumped between 50% and 300% during the first quarter of 2020 compared to the fourth quarter of last year, according to a May report published by research and advisory firm Aite Group.</p>\n<p>So what is rob-investing? Think of it like a self-driving car.</p>\n<p>You put in your destination, buckle up in the backseat and your driver (robo adviser) will get there. You, the passenger, can’t easily slam the breaks if you fear your driver is leading you in the wrong direction. Nor can you put your foot on the gas pedal if you’re in a rush and want to get to your destination faster.</p>\n<p>Robo-investing platforms use advanced-trading algorithm software to design investment portfolios based on factors such as an individual’s appetite for risk-taking and desired short-term and long-term returns.</p>\n<p>There are over 200 platforms that provide these services charging typically no more than a 0.5% annual advisory fee, compared to the 1% annual fee human investment advisors charge.</p>\n<p>And rather than investing entirely on your own, which can become a second job and lead to emotional investment decisions, robo advisers handle buying and selling assets.</p>\n<p>Cynthia Loh, Schwab vice president of Digital Advice and Innovation, disagrees, and argues that robo investing doesn’t mean giving technology control of your money. Schwab, she said, has a team of investment experts who oversee investment strategy and keep watch during periods of market volatility, although some services have more input from humans than others.</p>\n<p>As she recently wrote on MarketWatch: “One common misconception about automated investing is that choosing a robo adviser essentially means handing control of your money over to robots. The truth is that robo solutions have a combination of automated and human components running things behind the scenes.”</p>\n<p><b>Robos appeal to inexperienced investors</b></p>\n<p>Robo investing tends to appeal to inexperienced investors or ones who don’t have the time or energy to manage their own portfolios. These investors can take comfort in the “set it and forget it approach to investing and overtime let the markets do their thing,” Barse said.</p>\n<p>That makes it much easier to stomach market volatility knowing that you don’t necessarily have to make spur-of-the-moment decisions to buy or sell assets, said Tiffany Lam-Balfour, an investing and retirement specialist at NerdWallet.</p>\n<p>“When you’re investing, you don’t want to keep looking at the market and going ‘Oh I need to get out of this,’” she said. “You want to leave it to the professionals to get you through it because they know what your time horizon is, and they’ll adjust your portfolio automatically for you.”</p>\n<p>That said, “you can’t just expect your investments will only go up. Even if you had the world’s best human financial adviser you can’t expect that.”</p>\n<p>Others disagree, and say robo advisers appeal to older investors. “Planning for and paying yourself in retirement is complex. There are many options out there to help investors through it, and robo investing is one of them,” Loh said.</p>\n<p>“Many thoughtful, long-term investors have discovered that they want a more modern, streamlined, and inexpensive way to invest, and robo investing fits the bill. They are happy to let technology handle the mundane activities that are harder and more time-consuming for investors to do themselves,” she added.</p>\n<p><b>There is often no door to knock on</b></p>\n<p>Your robo adviser only knows what you tell it. The simplistic questionnaire you’re required to fill out will on most robo-investing platforms will collect information on your annual income, desired age to retire and the level of risk you’re willing to take on.</p>\n<p>It won’t however know if you just had a child and would like to begin saving for their education down the road or if you recently lost your job.</p>\n<p>“The question then becomes to whom does that person go to for advice and does that platform offer that and if so, to what level of complexity?” said Barse.</p>\n<p>Not all platforms give individualized investment advice and the hybrid models that do offer advice from a human tend to charge higher annual fees.</p>\n<p>Additionally, a robo adviser won’t necessarily “manage your money with tax efficiency at front of mind,” said Roger Ma, a certified financial planner at Lifelaidout, a New York City-based financial advisory group.</p>\n<p>For instance, one common way investors offset the taxes they pay on long-term investments is by selling assets that have accrued losses. Traditional advisers often specialize in constructing portfolios that lead to the most tax-efficient outcomes, said Ma, who is the author of “Work Your Money, Not Your Life”.</p>\n<p>But with robo investing, the trades that are made for you are the same ones that are being made for a slew of other investors who may fall under a different tax-bracket than you.</p>\n<p>On top of that, while robo investing may feel like a simplistic way to get into investing, especially for beginners it can “overcomplicate investing,” Ma said.</p>\n<p>“If you are just looking to dip your toe in and you want to feel like you’re invested in a diversified portfolio, I wouldn’t say definitely don’t do a robo adviser,” he said.</p>\n<p>Don’t rule out investing through a target-date fund that selects a single fund to invest in and adjusts the position over time based on their investment goals, he added.</p>\n<p>But not everyone can tell the difference between robo advice and advice from a human being. In 2015, MarketWatch asked four prominent robo advisers and four of the traditional, flesh-and-blood variety to construct portfolios for a hypothetical 35-year-old investor with $40,000 to invest.</p>\n<p>The results were, perhaps, surprising for critics of robo advisers. The robots’ suggestions were “not massively different” from what the human advisers proposed, said Michael Kitces, Pinnacle Advisory Group’s research director, after reviewing the results.</p>\n<p></p>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Goldman Sachs is joining the robo-investing party — should you?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nGoldman Sachs is joining the robo-investing party — should you?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-02-19 19:24 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/story/goldman-sachs-is-joining-the-robo-investing-party-should-you-11613658128?mod=home-page><strong>Marketwatch</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.\n\nRobo investing has become ...</p>\n\n<a href=\"https://www.marketwatch.com/story/goldman-sachs-is-joining-the-robo-investing-party-should-you-11613658128?mod=home-page\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.marketwatch.com/story/goldman-sachs-is-joining-the-robo-investing-party-should-you-11613658128?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1161529893","content_text":"‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.\n\nRobo investing has become increasingly ubiquitous on practically every brokerage platform. Until Tuesday, Goldman Sachs GS, -0.91% restricted its robo-advisory service, Marcus, to people who had at least $10 million to invest.\nNow anyone with at least $1,000 to invest in can access the same trading algorithms that have been used by some of Goldman Sachs’ wealthiest clients for a 0.35% annual advisory fee. But investing experts say there are more costs to consider before jumping on the robo-investing train.\n“Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.\nAlthough the 35 basis-point price tag is a “loss leader” to Goldman Sachs, he said companies typically make such offers in order to attract clients to cross-sell them banking products.\n“People forget that banks are ultimately in the business of making money,” he said.\nGoldman Sachs declined to comment.\nThe company is among other major financial-services firms offering digital advisers, including Vanguard, Fidelity and Schwab SCHW, +1.03% and startups such as Betterment and Wealthfront.\nFees for robo advisers can start at around 0.25%, and increase to 1% and above for traditional brokers. A survey of nearly 1,000 financial planners by Inside Information, a trade publication, found that the bigger the portfolio, the lower the percentage clients paid in fees.\nThe median annual charge hovered at around 1% for portfolios of $1 million or less, and 0.5% for portfolios worth $5 million to $10 million.\nRobo advisers like those on offer from Goldman Sachs and Betterment differ from robo platforms like Robinhood. The former suggest portfolios focused on exchange-traded funds, while Robinhood allows users to invest in individual ETFs, stocks, options and even cryptocurrencies.\nRobo investing as a self-driving car\nConsumers have turned to robo-investing at unprecedented levels during the pandemic.\nThe rate of new accounts opened jumped between 50% and 300% during the first quarter of 2020 compared to the fourth quarter of last year, according to a May report published by research and advisory firm Aite Group.\nSo what is rob-investing? Think of it like a self-driving car.\nYou put in your destination, buckle up in the backseat and your driver (robo adviser) will get there. You, the passenger, can’t easily slam the breaks if you fear your driver is leading you in the wrong direction. Nor can you put your foot on the gas pedal if you’re in a rush and want to get to your destination faster.\nRobo-investing platforms use advanced-trading algorithm software to design investment portfolios based on factors such as an individual’s appetite for risk-taking and desired short-term and long-term returns.\nThere are over 200 platforms that provide these services charging typically no more than a 0.5% annual advisory fee, compared to the 1% annual fee human investment advisors charge.\nAnd rather than investing entirely on your own, which can become a second job and lead to emotional investment decisions, robo advisers handle buying and selling assets.\nCynthia Loh, Schwab vice president of Digital Advice and Innovation, disagrees, and argues that robo investing doesn’t mean giving technology control of your money. Schwab, she said, has a team of investment experts who oversee investment strategy and keep watch during periods of market volatility, although some services have more input from humans than others.\nAs she recently wrote on MarketWatch: “One common misconception about automated investing is that choosing a robo adviser essentially means handing control of your money over to robots. The truth is that robo solutions have a combination of automated and human components running things behind the scenes.”\nRobos appeal to inexperienced investors\nRobo investing tends to appeal to inexperienced investors or ones who don’t have the time or energy to manage their own portfolios. These investors can take comfort in the “set it and forget it approach to investing and overtime let the markets do their thing,” Barse said.\nThat makes it much easier to stomach market volatility knowing that you don’t necessarily have to make spur-of-the-moment decisions to buy or sell assets, said Tiffany Lam-Balfour, an investing and retirement specialist at NerdWallet.\n“When you’re investing, you don’t want to keep looking at the market and going ‘Oh I need to get out of this,’” she said. “You want to leave it to the professionals to get you through it because they know what your time horizon is, and they’ll adjust your portfolio automatically for you.”\nThat said, “you can’t just expect your investments will only go up. Even if you had the world’s best human financial adviser you can’t expect that.”\nOthers disagree, and say robo advisers appeal to older investors. “Planning for and paying yourself in retirement is complex. There are many options out there to help investors through it, and robo investing is one of them,” Loh said.\n“Many thoughtful, long-term investors have discovered that they want a more modern, streamlined, and inexpensive way to invest, and robo investing fits the bill. They are happy to let technology handle the mundane activities that are harder and more time-consuming for investors to do themselves,” she added.\nThere is often no door to knock on\nYour robo adviser only knows what you tell it. The simplistic questionnaire you’re required to fill out will on most robo-investing platforms will collect information on your annual income, desired age to retire and the level of risk you’re willing to take on.\nIt won’t however know if you just had a child and would like to begin saving for their education down the road or if you recently lost your job.\n“The question then becomes to whom does that person go to for advice and does that platform offer that and if so, to what level of complexity?” said Barse.\nNot all platforms give individualized investment advice and the hybrid models that do offer advice from a human tend to charge higher annual fees.\nAdditionally, a robo adviser won’t necessarily “manage your money with tax efficiency at front of mind,” said Roger Ma, a certified financial planner at Lifelaidout, a New York City-based financial advisory group.\nFor instance, one common way investors offset the taxes they pay on long-term investments is by selling assets that have accrued losses. Traditional advisers often specialize in constructing portfolios that lead to the most tax-efficient outcomes, said Ma, who is the author of “Work Your Money, Not Your Life”.\nBut with robo investing, the trades that are made for you are the same ones that are being made for a slew of other investors who may fall under a different tax-bracket than you.\nOn top of that, while robo investing may feel like a simplistic way to get into investing, especially for beginners it can “overcomplicate investing,” Ma said.\n“If you are just looking to dip your toe in and you want to feel like you’re invested in a diversified portfolio, I wouldn’t say definitely don’t do a robo adviser,” he said.\nDon’t rule out investing through a target-date fund that selects a single fund to invest in and adjusts the position over time based on their investment goals, he added.\nBut not everyone can tell the difference between robo advice and advice from a human being. In 2015, MarketWatch asked four prominent robo advisers and four of the traditional, flesh-and-blood variety to construct portfolios for a hypothetical 35-year-old investor with $40,000 to invest.\nThe results were, perhaps, surprising for critics of robo advisers. The robots’ suggestions were “not massively different” from what the human advisers proposed, said Michael Kitces, Pinnacle Advisory Group’s research director, after reviewing the results.","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":813,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":398048275,"gmtCreate":1606802991297,"gmtModify":1704966977359,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"The translation sounds a little weird","listText":"The translation sounds a little weird","text":"The translation sounds a little weird","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/398048275","repostId":"1190191899","repostType":4,"repost":{"id":"1190191899","kind":"news","pubTimestamp":1606795193,"share":"https://ttm.financial/m/news/1190191899?lang=en_US&edition=fundamental","pubTime":"2020-12-01 11:59","market":"us","language":"zh","title":"Xingsheng Preferred, a unicorn that Alibaba, Meituan and Pinduoduo are imitating","url":"https://stock-news.laohu8.com/highlight/detail?id=1190191899","media":"深网腾讯新闻  ","summary":"时隔数年，社区团购战火被再次点燃，不同的是，这场战争从创业公司角逐升级为巨头之间的竞争，在上一轮行业洗牌中跑出的兴盛优选，如今又与阿里、美团、拼多多、滴滴站在了同一赛道。\n1990年，年仅17岁的岳立","content":"<p><b>After several years, the community group buying war has been ignited again. The difference is that this war has started from<a href=\"https://laohu8.com/S/V03.SI\">Startups</a>The competition has been upgraded to a competition among giants. Xingshengyou, which ran out of the last round of industry reshuffle, is now competing with Ali, Meituan,<a href=\"https://laohu8.com/S/PDD\">Pinduoduo</a>, Didi stood on the same track.</b></p><p>In 1990, when Yue Lihua, who was only 17 years old, opened a wholesale department in a township, he didn't expect that 30 years later, Xingshengyou, which was hatched step by step from a small business, had become a member of the top echelon of China's community group buying industry.</p><p>The 2020 epidemic is a new catalyst for community group buying. \"Shenwang\" learned that at the end of February this year, the opening rate of Xingsheng's preferred stores returned to the pre-epidemic state; In the first quarter, the transaction volume increased by 5 times year-on-year, and the number of new users increased by 4 times year-on-year.</p><p>This is a virgin land with a penetration rate of only 5% and has not been fully reclaimed, especially in low-tier cities and towns with huge consumer bases. Ai Media Consulting data shows that the community group buying market is expected to reach 72 billion yuan in 2020, a year-on-year increase of 112%; In mid-2022, the scale of community group buying is expected to exceed 102 billion yuan.</p><p>The huge market space and growth potential have attracted the attention of giants. After a lapse of several years, the community group buying war has been ignited again. The difference is that this war has escalated from a competition between startups to a competition between giants. Meituan, Pinduoduo, and Didi stand on the same track.</p><p>According to \"Deep Web\", Xingsheng Optimal has been generally used as an inspection model by new entrants, and employees have become the targets of poaching; From the perspective of business development areas, Hunan, its base camp, has also become an important battlefield for this new battle, where giants such as Didi Meituan launched a new showdown.</p><p>Capital is like a giant hourglass. It can help an industry get on the fast track, and at the same time, it can accelerate the elimination of the weak and leave winners.</p><p>In fact, from the wave of bankruptcies to group mergers, the community group buying industry has undergone a round of reshuffle in just two years. According to incomplete statistics, more than 20 fresh food e-commerce companies closed down in the past year: in May last year, Hema Fresh closed its first store; At the end of October, the two-year-old fruit membership platform \"Mini Fresh\" announced that it would suspend operations due to poor management and long-term losses; At the end of November, the community fresh food e-commerce platform \"Miao Life\" announced the closure of stores and bankruptcy liquidation; Dairaobo, whose main business is community group buying and self-pickup, was also exposed to a business crisis, and the Hangzhou center was closed; Taojiji, a star company that once started with fruits and other categories, also fell into bankruptcy liquidation stage at the end of the year. Just recently, Yiguo Fresh, one of the earliest fresh food e-commerce companies in China, entered bankruptcy and reorganization.</p><p>Community group buying is not as simple as it seems, a business that connects the B-end to the C-end from logistics. It also involves many complex links, such as inventory, loss, cold chain, etc. According to a data from the China E-Commerce Research Center, among the more than 4,000 entrants of fresh food e-commerce, 4% were flat, 88% suffered losses, and the remaining 7% were huge losses, and only 1% achieved profitability in the end.</p><p>This industry has experienced an a vicious circle in which the faster you open more stores, the faster you burn money, and the more you lose money. Now that the small players have been cleaned out, the next step will be the competition between the top players who have run out and the giants.</p><p><b>E-commerce impact and incubation prosperity selection</b></p><p>On May 20 this year, Xingsheng Optimal moved into the new headquarters building in Changsha, Hunan. It was also here that Yue Lihua spent 30 years expanding his business from the earliest canteen wholesaler to the later supermarket chain Furong Xingsheng and community e-commerce Xingsheng.</p><p>It can be said that the emergence of Furong Xingsheng and Xingshengyou stepped on two important turning points in the development of China's retail industry respectively.</p><p>Slightly different from the Internet entrepreneurs we usually see, Yue Lihua, chairman of Xingsheng Preferred and founder of Furong Xingsheng, is a typical entrepreneur in traditional industries.</p><p>Low-key and sensitive to numbers, \"raising costs to a strategic level, not an operational figure,\" a person who worked with him commented on \"Deep Web\".</p><p>Yue Lihua was born in Nanxian County, Yiyang, Hunan Province, and has been helping to look after the canteen at home since elementary school. At the age of 17, Yue Lihua borrowed money in the name of his parents, opened a wholesale department in the town, and became an upstream wholesaler.</p><p>In 2001, Yue Lihua wanted to do something bigger, so he simply opened a supermarket. At that time, China's retail format was still dominated by canteens. He positioned Xingsheng Supermarket as a community supermarket, with two modes: direct sales and franchise, and only operated small supermarkets.</p><p>There are also detours in the middle. \"At that time, the smallest store scale of our store was more than 100 square meters, and the largest store was more than 800 square meters. However, in the process of operation, I deeply felt that my energy was insufficient, and it was difficult for management to keep up. A series of problems followed, and it was difficult to control if it continued to develop.\" Yue Lihua later recalled.</p><p>\"I began to reflect, in terms of funds, strength, managers, and experience, we can't compete with<a href=\"https://laohu8.com/S/WMT\">Walmart</a>Compared with large supermarkets such as Xinyijia. However, I found that although the products of big supermarkets are complete, it is inconvenient to go there, and the convenience supermarkets located in the community have become the first choice of citizens. Small-scale operations are easy to control and manage. I predict that the future will definitely be a two-level market, either bigger or smaller. In this case, I might as well be smaller. \" Subsequently, Yue Lihua closed shops of more than 100 square meters, focusing on small shops of 30-80 square meters.</p><p>In 2003, e-commerce sprouted, Dangdang, Zhuoyue, Ali,<a href=\"https://laohu8.com/S/JD\">JD.com</a>At that time, he became a rookie in the Internet Jianghu, and nearly 80 million Chinese netizens contributed hot traffic.</p><p>Around 2010, with the rise of mobile Internet and the improvement of basic payment, logistics, data and other infrastructure, e-commerce giants have made great strides all the way, and newcomers are also full of ambition.</p><p>At this time, Yue Lihua's Furong is preferred to grow into one of the convenience store brands with the highest coverage rate in Changsha, Hunan Province, and signs with red background and white characters can be seen everywhere in the streets and alleys.</p><p>As a traditional retail practitioner, Yue Lihua really felt the impact of the Internet tide on the traditional retail industry: on the one hand, Furong's prosperous business began to be affected. For example, the number of franchises in the past had a relatively good increase, but this growth actually lagged behind under the coercion of e-commerce; On the other hand, with the decrease of income, the willingness of convenience store owners to join is decreasing.</p><p>Yue Lihua judged that 70% of orders will come online in the future, which means that the traditional community convenience store model can only get 30% of the business volume. \"At that time, the situation was very dangerous, and it might even be eroded away,\" an insider of Xingshengyou recalled to \"Deep Web\".</p><p>The road to online transformation begins here.</p><p><b>Four years and four stages, running through \"pre-sale + self-pickup\"</b></p><p>In July, 2013, Yue Lihua began to incubate the e-commerce platform \"Xingsheng Optimal\". At the beginning of 2014, the preliminary team building and preparation work were ready, and Xingsheng Optimal officially started running.</p><p>Looking at it now, the \"pre-sale + self-pickup\" model has been verified to be feasible, and it has also become the mainstream model of most community group buying entrants. The four-level link of \"supplier-central warehouse-grid station-store-consumer\" is reused.</p><p>However, it took Xingsheng Optimal four years to go through the store self-distribution stage, the online warehouse stage and the distribution station stage. It was not until June 2017 that the \"pre-sale + self-pickup\" model was finally explored.</p><p>According to \"Shenwang\", the first stage is the self-delivery stage of the store. Xingsheng preferably makes an APP for the store, consumers place orders online, and the store owner delivers the goods to the door; The second stage is the net warehouse mode, which focuses on fresh fruit products. The company spent more than 20 million yuan to set up a distribution team; The third stage was the distribution station model, but it soon failed because there was no traffic and high operating costs, and the model could not be continuously amplified.</p><p>2016 is a difficult year in the development of prosperity and optimization. \"Shenwang\" learned from insiders of Xingsheng Preferred that in the second half of 2016, the business loss has reached tens of millions, and the profit of Furong Xingsheng, the main body of the company, is not high. In addition, the company is still preparing for IPO, and a series of factors are mixed together, which leads to the board of directors' strong opposition to continuing to invest in Xingsheng Preferred. As a result, the team of more than 300 people had to be disbanded, leaving only the founders Zhou Yingjie and Liu Huiyu and the technical team.</p><p>Even so, Yue Lihua, Zhou Yingjie and Liu Huiyu still insisted that \"online + offline\" was the future direction, but they didn't find a suitable business model at that time.</p><p>The original intention of establishing Xingsheng Optimal is to revive the store and further explore the future business model. During that time, Zhou Yingjie and Liu Huiyu spent a lot of time visiting stores to understand the needs of convenience store owners. \"These store owners generally don't have long-term plans. They only have two requirements for cooperation. One is to make money quickly, the other is to increase passenger flow, and the third is not to increase the investment in inventory, manpower and capital.\" The insider told Deep Web.</p><p>Finally, they put forward the \"pre-sale + self-pickup\" model, and began to test the effect in August 2016. Pre-selling goods that are not available in husband and wife retail stores will not compete with them, and self-pickup can help stores attract traffic. The main product is still fresh fruits, which are high-frequency just-needed products. By June 2017, the new model was replicated and implemented to 62 stores, and orders climbed from 2,000 orders per day to 20,000 orders.</p><p>However, Xingsheng Optimal does not directly carry out store expansion work, but is carried out by a third-party company, Shoude Company, which is responsible for promoting the Xingsheng Optimal platform nationwide, and providing training and owner relationship maintenance services for Xingsheng Optimal stores. According to Lujiu Finance and Economics, Xingsheng Optimal does not charge a franchise fee, but uses points to exchange rewards, and uses the number of shopkeepers and sales orders as the basis for rebates. This is similar to Pinduoduo's early development model.</p><p><img src=\"https://static.tigerbbs.com/7958f5b76b8d3658b2725449dc3799ed\" tg-width=\"1080\" tg-height=\"903\"><img src=\"https://static.tigerbbs.com/0dbe11b6ebc203cff63855631a1e8966\" tg-width=\"576\" tg-height=\"179\"></p><p><b>Strategic direction: reviving stores and empowering upstream</b></p><p>Within Xingsheng Optimization, Yue Lihua often mentions \"reviving stores\" and \"empowering upstream\", which are also designated as important strategic directions by Xingsheng Optimization.</p><p>\"The positioning of Xingsheng Optimal is pre-sale + self-pickup, which is different from traditional e-commerce. We rely on small stores in the community to do business, so why more and more stores follow Xingsheng Optimal is because this business model really helps them make money.\" Liu Huiyu said.</p><p>Wanguocheng Store is the first store selected by Xingsheng. Before it was connected to Xingsheng Optimal's business, this store was just an ordinary store downstairs in the community. Liu Huiyu said that Xingsheng Optimal can bring a monthly net income of about 20,000 yuan to this store. In addition, the pre-sale + self-pickup mode allows a large number of consumers to pick up goods in the store, thus also increasing the sales of the store itself. According to the data of Xingsheng Optimal, generally, the stores of Xingsheng Optimal will increase the business of other offline stores by 10%-20%.</p><p>\"Shenwang\" learned from the head of a prosperous preferred group in Changsha that the net income of the store was about 10,000 per month before, and the income after community group purchase could reach about 17,000-this logic is easy to understand. When users come to the store When they pick up, they naturally increase the frequency of their consumption in the store.</p><p>Townships and rural areas are an important part of Xingsheng's preferred business map. According to \"Shenwang\", every time a new market is opened up, Xingsheng's preferred style of play basically starts with provincial capital cities, then develops surrounding cities and county towns and finally penetrates into towns and rural areas.</p><p>\"Doing business is the same as fighting, and you have to pay attention to flexibility. In Hunan, I started from a small town; Outside the province, you must first choose the provincial capital city, stabilize the central market, and then develop to the county-level city through the radiation of the provincial capital city. If you can gain a foothold and have influence in the provincial capital city, it will be relatively easy to develop downward. In fact, this set of \"rural-urban-rural\" development ideas was learned from Chairman Mao. \" Yue Lihua once explained this.</p><p>At present, Xingsheng Optimal has entered 13 provinces and cities, 166 prefecture-level cities, 1,052 county-level cities, 4,904 townships and 37,151 villages. An industry insider analyzed \"Shenwang\" that the penetration rate of community group buying is currently less than 5%. At present, giants usually enter provincial capital cities first, followed by prefecture-level cities, and then sinking counties and rural areas in the short term. It is not easy to penetrate, which is the advantage of Xingsheng Optimal.</p><p>At present, Xingsheng Optimal has established its own supply chain system. Suppliers distribute goods to the central warehouse, and then downward to grid stations and stores. According to \"Shenzhen Web\", among the 23,000 employees of Xingshengyou, there are more than 21,000 logistics and distribution employees.</p><p><b>The war escalates, capital makes a comeback</b></p><p>In the growth process of Xingsheng Preferred, 2018 is the most difficult year to endure.</p><p>At that time, the community group buying industry exploded, with more than 2 billion funds pouring in in just three months at its peak. \"Although the cost ratio is declining, it has been losing money because the scale has been expanding, and the lack of money is very painful.\" An insider of Xingsheng Preferred told \"Shenzhen Net\" that it was not until September 2018 that it received the A round led by Today's Capital. Financing eased the financial pressure and allowed the business to continue.</p><p>After a lapse of two years, capital is gearing up to enter the market again. There are many giants on the community group buying track, and the cruelty may be no less than the group buying war and food delivery war of that year.</p><p>The new goal set by Yue Lihua's team is \"user experience, risking one's life and running wildly\". They believe that \"consumers are not taken away by anyone, but whether they can take the initiative to stay. After all, subsidies will not last forever, and not all goods can be low-priced. On this basis, it depends on whether goods can be delivered on time and stably, and logistics is the key indicator.\"</p><p>An insider close to Xingsheng Preferred told \"Shenzhen Web\" that even when giants such as Pinduoduo, Meituan, and Didi enter the market, Xingsheng Preferred still keeps at least 10,000 to 15,000 stores online every week, with average daily orders maintaining between 9 million and 10 million, and double 11 orders reaching 12 million. The person said that it is predicted that the total number of stores will exceed 500,000 by the end of 2020.</p><p>It is reported that in the next step, Xingsheng Optimal will focus on the more economically developed Yangtze River Delta region, and the recruitment of suppliers in Jiangsu has already started in the early stage, and it is expected that operations in Jiangsu, Anhui and Zhejiang will be started before the Spring Festival.</p><p>At present, an escalation war has started.</p>","source":"lsy1594689214820","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Xingsheng Preferred, a unicorn that Alibaba, Meituan and Pinduoduo are imitating</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nXingsheng Preferred, a unicorn that Alibaba, Meituan and Pinduoduo are imitating\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">深网腾讯新闻  </strong><span class=\"h-time small\">2020-12-01 11:59</span>\n</p>\n</h4>\n</header>\n<article>\n<p><b>After several years, the community group buying war has been ignited again. The difference is that this war has started from<a href=\"https://laohu8.com/S/V03.SI\">Startups</a>The competition has been upgraded to a competition among giants. Xingshengyou, which ran out of the last round of industry reshuffle, is now competing with Ali, Meituan,<a href=\"https://laohu8.com/S/PDD\">Pinduoduo</a>, Didi stood on the same track.</b></p><p>In 1990, when Yue Lihua, who was only 17 years old, opened a wholesale department in a township, he didn't expect that 30 years later, Xingshengyou, which was hatched step by step from a small business, had become a member of the top echelon of China's community group buying industry.</p><p>The 2020 epidemic is a new catalyst for community group buying. \"Shenwang\" learned that at the end of February this year, the opening rate of Xingsheng's preferred stores returned to the pre-epidemic state; In the first quarter, the transaction volume increased by 5 times year-on-year, and the number of new users increased by 4 times year-on-year.</p><p>This is a virgin land with a penetration rate of only 5% and has not been fully reclaimed, especially in low-tier cities and towns with huge consumer bases. Ai Media Consulting data shows that the community group buying market is expected to reach 72 billion yuan in 2020, a year-on-year increase of 112%; In mid-2022, the scale of community group buying is expected to exceed 102 billion yuan.</p><p>The huge market space and growth potential have attracted the attention of giants. After a lapse of several years, the community group buying war has been ignited again. The difference is that this war has escalated from a competition between startups to a competition between giants. Meituan, Pinduoduo, and Didi stand on the same track.</p><p>According to \"Deep Web\", Xingsheng Optimal has been generally used as an inspection model by new entrants, and employees have become the targets of poaching; From the perspective of business development areas, Hunan, its base camp, has also become an important battlefield for this new battle, where giants such as Didi Meituan launched a new showdown.</p><p>Capital is like a giant hourglass. It can help an industry get on the fast track, and at the same time, it can accelerate the elimination of the weak and leave winners.</p><p>In fact, from the wave of bankruptcies to group mergers, the community group buying industry has undergone a round of reshuffle in just two years. According to incomplete statistics, more than 20 fresh food e-commerce companies closed down in the past year: in May last year, Hema Fresh closed its first store; At the end of October, the two-year-old fruit membership platform \"Mini Fresh\" announced that it would suspend operations due to poor management and long-term losses; At the end of November, the community fresh food e-commerce platform \"Miao Life\" announced the closure of stores and bankruptcy liquidation; Dairaobo, whose main business is community group buying and self-pickup, was also exposed to a business crisis, and the Hangzhou center was closed; Taojiji, a star company that once started with fruits and other categories, also fell into bankruptcy liquidation stage at the end of the year. Just recently, Yiguo Fresh, one of the earliest fresh food e-commerce companies in China, entered bankruptcy and reorganization.</p><p>Community group buying is not as simple as it seems, a business that connects the B-end to the C-end from logistics. It also involves many complex links, such as inventory, loss, cold chain, etc. According to a data from the China E-Commerce Research Center, among the more than 4,000 entrants of fresh food e-commerce, 4% were flat, 88% suffered losses, and the remaining 7% were huge losses, and only 1% achieved profitability in the end.</p><p>This industry has experienced an a vicious circle in which the faster you open more stores, the faster you burn money, and the more you lose money. Now that the small players have been cleaned out, the next step will be the competition between the top players who have run out and the giants.</p><p><b>E-commerce impact and incubation prosperity selection</b></p><p>On May 20 this year, Xingsheng Optimal moved into the new headquarters building in Changsha, Hunan. It was also here that Yue Lihua spent 30 years expanding his business from the earliest canteen wholesaler to the later supermarket chain Furong Xingsheng and community e-commerce Xingsheng.</p><p>It can be said that the emergence of Furong Xingsheng and Xingshengyou stepped on two important turning points in the development of China's retail industry respectively.</p><p>Slightly different from the Internet entrepreneurs we usually see, Yue Lihua, chairman of Xingsheng Preferred and founder of Furong Xingsheng, is a typical entrepreneur in traditional industries.</p><p>Low-key and sensitive to numbers, \"raising costs to a strategic level, not an operational figure,\" a person who worked with him commented on \"Deep Web\".</p><p>Yue Lihua was born in Nanxian County, Yiyang, Hunan Province, and has been helping to look after the canteen at home since elementary school. At the age of 17, Yue Lihua borrowed money in the name of his parents, opened a wholesale department in the town, and became an upstream wholesaler.</p><p>In 2001, Yue Lihua wanted to do something bigger, so he simply opened a supermarket. At that time, China's retail format was still dominated by canteens. He positioned Xingsheng Supermarket as a community supermarket, with two modes: direct sales and franchise, and only operated small supermarkets.</p><p>There are also detours in the middle. \"At that time, the smallest store scale of our store was more than 100 square meters, and the largest store was more than 800 square meters. However, in the process of operation, I deeply felt that my energy was insufficient, and it was difficult for management to keep up. A series of problems followed, and it was difficult to control if it continued to develop.\" Yue Lihua later recalled.</p><p>\"I began to reflect, in terms of funds, strength, managers, and experience, we can't compete with<a href=\"https://laohu8.com/S/WMT\">Walmart</a>Compared with large supermarkets such as Xinyijia. However, I found that although the products of big supermarkets are complete, it is inconvenient to go there, and the convenience supermarkets located in the community have become the first choice of citizens. Small-scale operations are easy to control and manage. I predict that the future will definitely be a two-level market, either bigger or smaller. In this case, I might as well be smaller. \" Subsequently, Yue Lihua closed shops of more than 100 square meters, focusing on small shops of 30-80 square meters.</p><p>In 2003, e-commerce sprouted, Dangdang, Zhuoyue, Ali,<a href=\"https://laohu8.com/S/JD\">JD.com</a>At that time, he became a rookie in the Internet Jianghu, and nearly 80 million Chinese netizens contributed hot traffic.</p><p>Around 2010, with the rise of mobile Internet and the improvement of basic payment, logistics, data and other infrastructure, e-commerce giants have made great strides all the way, and newcomers are also full of ambition.</p><p>At this time, Yue Lihua's Furong is preferred to grow into one of the convenience store brands with the highest coverage rate in Changsha, Hunan Province, and signs with red background and white characters can be seen everywhere in the streets and alleys.</p><p>As a traditional retail practitioner, Yue Lihua really felt the impact of the Internet tide on the traditional retail industry: on the one hand, Furong's prosperous business began to be affected. For example, the number of franchises in the past had a relatively good increase, but this growth actually lagged behind under the coercion of e-commerce; On the other hand, with the decrease of income, the willingness of convenience store owners to join is decreasing.</p><p>Yue Lihua judged that 70% of orders will come online in the future, which means that the traditional community convenience store model can only get 30% of the business volume. \"At that time, the situation was very dangerous, and it might even be eroded away,\" an insider of Xingshengyou recalled to \"Deep Web\".</p><p>The road to online transformation begins here.</p><p><b>Four years and four stages, running through \"pre-sale + self-pickup\"</b></p><p>In July, 2013, Yue Lihua began to incubate the e-commerce platform \"Xingsheng Optimal\". At the beginning of 2014, the preliminary team building and preparation work were ready, and Xingsheng Optimal officially started running.</p><p>Looking at it now, the \"pre-sale + self-pickup\" model has been verified to be feasible, and it has also become the mainstream model of most community group buying entrants. The four-level link of \"supplier-central warehouse-grid station-store-consumer\" is reused.</p><p>However, it took Xingsheng Optimal four years to go through the store self-distribution stage, the online warehouse stage and the distribution station stage. It was not until June 2017 that the \"pre-sale + self-pickup\" model was finally explored.</p><p>According to \"Shenwang\", the first stage is the self-delivery stage of the store. Xingsheng preferably makes an APP for the store, consumers place orders online, and the store owner delivers the goods to the door; The second stage is the net warehouse mode, which focuses on fresh fruit products. The company spent more than 20 million yuan to set up a distribution team; The third stage was the distribution station model, but it soon failed because there was no traffic and high operating costs, and the model could not be continuously amplified.</p><p>2016 is a difficult year in the development of prosperity and optimization. \"Shenwang\" learned from insiders of Xingsheng Preferred that in the second half of 2016, the business loss has reached tens of millions, and the profit of Furong Xingsheng, the main body of the company, is not high. In addition, the company is still preparing for IPO, and a series of factors are mixed together, which leads to the board of directors' strong opposition to continuing to invest in Xingsheng Preferred. As a result, the team of more than 300 people had to be disbanded, leaving only the founders Zhou Yingjie and Liu Huiyu and the technical team.</p><p>Even so, Yue Lihua, Zhou Yingjie and Liu Huiyu still insisted that \"online + offline\" was the future direction, but they didn't find a suitable business model at that time.</p><p>The original intention of establishing Xingsheng Optimal is to revive the store and further explore the future business model. During that time, Zhou Yingjie and Liu Huiyu spent a lot of time visiting stores to understand the needs of convenience store owners. \"These store owners generally don't have long-term plans. They only have two requirements for cooperation. One is to make money quickly, the other is to increase passenger flow, and the third is not to increase the investment in inventory, manpower and capital.\" The insider told Deep Web.</p><p>Finally, they put forward the \"pre-sale + self-pickup\" model, and began to test the effect in August 2016. Pre-selling goods that are not available in husband and wife retail stores will not compete with them, and self-pickup can help stores attract traffic. The main product is still fresh fruits, which are high-frequency just-needed products. By June 2017, the new model was replicated and implemented to 62 stores, and orders climbed from 2,000 orders per day to 20,000 orders.</p><p>However, Xingsheng Optimal does not directly carry out store expansion work, but is carried out by a third-party company, Shoude Company, which is responsible for promoting the Xingsheng Optimal platform nationwide, and providing training and owner relationship maintenance services for Xingsheng Optimal stores. According to Lujiu Finance and Economics, Xingsheng Optimal does not charge a franchise fee, but uses points to exchange rewards, and uses the number of shopkeepers and sales orders as the basis for rebates. This is similar to Pinduoduo's early development model.</p><p><img src=\"https://static.tigerbbs.com/7958f5b76b8d3658b2725449dc3799ed\" tg-width=\"1080\" tg-height=\"903\"><img src=\"https://static.tigerbbs.com/0dbe11b6ebc203cff63855631a1e8966\" tg-width=\"576\" tg-height=\"179\"></p><p><b>Strategic direction: reviving stores and empowering upstream</b></p><p>Within Xingsheng Optimization, Yue Lihua often mentions \"reviving stores\" and \"empowering upstream\", which are also designated as important strategic directions by Xingsheng Optimization.</p><p>\"The positioning of Xingsheng Optimal is pre-sale + self-pickup, which is different from traditional e-commerce. We rely on small stores in the community to do business, so why more and more stores follow Xingsheng Optimal is because this business model really helps them make money.\" Liu Huiyu said.</p><p>Wanguocheng Store is the first store selected by Xingsheng. Before it was connected to Xingsheng Optimal's business, this store was just an ordinary store downstairs in the community. Liu Huiyu said that Xingsheng Optimal can bring a monthly net income of about 20,000 yuan to this store. In addition, the pre-sale + self-pickup mode allows a large number of consumers to pick up goods in the store, thus also increasing the sales of the store itself. According to the data of Xingsheng Optimal, generally, the stores of Xingsheng Optimal will increase the business of other offline stores by 10%-20%.</p><p>\"Shenwang\" learned from the head of a prosperous preferred group in Changsha that the net income of the store was about 10,000 per month before, and the income after community group purchase could reach about 17,000-this logic is easy to understand. When users come to the store When they pick up, they naturally increase the frequency of their consumption in the store.</p><p>Townships and rural areas are an important part of Xingsheng's preferred business map. According to \"Shenwang\", every time a new market is opened up, Xingsheng's preferred style of play basically starts with provincial capital cities, then develops surrounding cities and county towns and finally penetrates into towns and rural areas.</p><p>\"Doing business is the same as fighting, and you have to pay attention to flexibility. In Hunan, I started from a small town; Outside the province, you must first choose the provincial capital city, stabilize the central market, and then develop to the county-level city through the radiation of the provincial capital city. If you can gain a foothold and have influence in the provincial capital city, it will be relatively easy to develop downward. In fact, this set of \"rural-urban-rural\" development ideas was learned from Chairman Mao. \" Yue Lihua once explained this.</p><p>At present, Xingsheng Optimal has entered 13 provinces and cities, 166 prefecture-level cities, 1,052 county-level cities, 4,904 townships and 37,151 villages. An industry insider analyzed \"Shenwang\" that the penetration rate of community group buying is currently less than 5%. At present, giants usually enter provincial capital cities first, followed by prefecture-level cities, and then sinking counties and rural areas in the short term. It is not easy to penetrate, which is the advantage of Xingsheng Optimal.</p><p>At present, Xingsheng Optimal has established its own supply chain system. Suppliers distribute goods to the central warehouse, and then downward to grid stations and stores. According to \"Shenzhen Web\", among the 23,000 employees of Xingshengyou, there are more than 21,000 logistics and distribution employees.</p><p><b>The war escalates, capital makes a comeback</b></p><p>In the growth process of Xingsheng Preferred, 2018 is the most difficult year to endure.</p><p>At that time, the community group buying industry exploded, with more than 2 billion funds pouring in in just three months at its peak. \"Although the cost ratio is declining, it has been losing money because the scale has been expanding, and the lack of money is very painful.\" An insider of Xingsheng Preferred told \"Shenzhen Net\" that it was not until September 2018 that it received the A round led by Today's Capital. Financing eased the financial pressure and allowed the business to continue.</p><p>After a lapse of two years, capital is gearing up to enter the market again. There are many giants on the community group buying track, and the cruelty may be no less than the group buying war and food delivery war of that year.</p><p>The new goal set by Yue Lihua's team is \"user experience, risking one's life and running wildly\". They believe that \"consumers are not taken away by anyone, but whether they can take the initiative to stay. After all, subsidies will not last forever, and not all goods can be low-priced. On this basis, it depends on whether goods can be delivered on time and stably, and logistics is the key indicator.\"</p><p>An insider close to Xingsheng Preferred told \"Shenzhen Web\" that even when giants such as Pinduoduo, Meituan, and Didi enter the market, Xingsheng Preferred still keeps at least 10,000 to 15,000 stores online every week, with average daily orders maintaining between 9 million and 10 million, and double 11 orders reaching 12 million. The person said that it is predicted that the total number of stores will exceed 500,000 by the end of 2020.</p><p>It is reported that in the next step, Xingsheng Optimal will focus on the more economically developed Yangtze River Delta region, and the recruitment of suppliers in Jiangsu has already started in the early stage, and it is expected that operations in Jiangsu, Anhui and Zhejiang will be started before the Spring Festival.</p><p>At present, an escalation war has started.</p>\n<div class=\"bt-text\">\n\n\n<p> source：<a href=\"https://mp.weixin.qq.com/s/HdsJAX7kdMPO0AG0t9TtYQ\">深网腾讯新闻  </a></p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/dabb237f54e91e1896c375326233c4c3","relate_stocks":{"BABA":"阿里巴巴","03690":"美团-W","PDD":"拼多多"},"source_url":"https://mp.weixin.qq.com/s/HdsJAX7kdMPO0AG0t9TtYQ","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1190191899","content_text":"时隔数年，社区团购战火被再次点燃，不同的是，这场战争从创业公司角逐升级为巨头之间的竞争，在上一轮行业洗牌中跑出的兴盛优选，如今又与阿里、美团、拼多多、滴滴站在了同一赛道。\n1990年，年仅17岁的岳立华在乡镇开批发部的时候没有想到，30年之后，由小本生意一步步孵化而来的兴盛优选已成为中国社区团购行业的头部梯队成员。\n2020年疫情是社区团购新的催化剂。《深网》了解到，今年2月底，兴盛优选门店的开业率恢复到疫情前状态；一季度交易额同比增长5倍，新增用户同比增长4倍。\n这是一块渗透率仅为5%、尚未被完全开垦的处女地，尤其在那些拥有庞大消费者基数的低线城市和乡镇。艾媒咨询数据显示，2020年社区团购市场规模预计达到720亿元，同比增幅112%；2022年中社区团购规模预计超过1020亿元。\n巨大的市场空间和增长潜力引来巨头关注。时隔数年，社区团购战火被再次点燃，不同的是，这场战争从创业公司角逐升级为巨头之间的竞争，在上一轮行业洗牌中跑出的兴盛优选，如今又与阿里、美团、拼多多、滴滴站在了同一赛道。\n据《深网》了解，兴盛优选已普遍被新进入者当作考察范本，员工成为被挖角对象；而从业务开展区域来看，其大本营湖南也成为这场新战役的重要战场，滴滴美团等巨头在这里展开新的对决。\n资本像一个巨型沙漏，它可以助推一个行业走上快轨，同时也可以加速淘汰弱者留下赢家。\n实际上，从倒闭潮到抱团合并，社区团购行业在过去短短两年已经经历过一轮洗牌。据不完全统计，过去一年共有超过20家生鲜电商倒闭：去年5月，盒马鲜生关闭了自己的第一家门店；10月底，成立两年的水果会员平台“迷你生鲜”宣布，因经营不善、长期亏损暂停运营；11月底，社区生鲜电商平台“妙生活”宣布门店关闭、破产清算；主要业务为社区团购、自提的呆萝卜也被爆出经营危机，并关闭杭州中心；曾经以水果等品类起家的明星公司淘集集也在年底陷入破产清算阶段。就在近日，中国最早的生鲜电商之一易果生鲜进入破产重组。\n社区团购并不是看起来的那样简单、由物流连接B端到C端的生意，其中还涉及到很多复杂环节，比如库存、损耗、冷链等等。中国电子商务研究中心的一份数据显示，生鲜电商4000多家入局者中，4%持平，88%亏损，且剩下的7%是巨额亏损，最终只有1%实现了盈利。\n这个行业曾经经历开店越多越快，烧钱的速度就越快，亏损就越多的恶性循环。如今，小玩家已经被清洗出局，接下来将是跑出的头部玩家与巨头之间的竞逐。\n电商冲击与孵化兴盛优选\n今年5月20日，兴盛优选搬进了湖南长沙新的总部大楼里。也是在这里，岳立华用30年时间，把生意从最早的小卖部批发商扩展到后来的连锁超市芙蓉兴盛和社区电商兴盛优选。\n可以说，芙蓉兴盛和兴盛优选的出现分别踩在中国零售行业发展两次重要的转折节点上。\n与我们通常见到的互联网创业者有些许差异，兴盛优选董事长、芙蓉兴盛创始人岳立华算是个典型的传统行业创业者。\n低调且对数字敏感，“将成本上升到战略高度，而并非一个运营数字”，一位与他共事过的人士对《深网》作出如此评价。\n岳立华出生在湖南益阳南县，从小学起就开始帮忙照看家里的小卖部。17岁那年，岳立华以父母的名义贷款，在镇上开了家批发部，做起了上游批发商。\n2001年，岳立华想干的大一点，于是干脆开起了超市。那时中国零售业态还是以小卖部为主，他将兴盛超市定位为社区超市，有直营和特许加盟两种模式，并且只经营小超市。\n中间也走过弯路。“当时，我们店面规模最小的是100多平方米，最大的有800多平方米。但在经营过程中，我深感精力不足，管理很难跟上去，一系列问题接踵而来，如果继续发展下去难掌控。”岳立华后来回忆。\n“我开始反思，论资金、论实力、论管理人员、论经验，我们都没法与沃尔玛、新一佳等大型超市相比。但我发现，虽然大超市产品齐全，要去一趟却很不方便，而位于社区的便利超市反而成了市民的首选。小规模经营，好控制、好管理，我预计未来必定是两级分化的市场，要么做大，要么做小，既然这样，我不如做小。”随后岳立华关闭了100平米以上的店铺，专注于30-80平米的小店。\n2003年，电商萌芽出现，当当、卓越、阿里、京东成为那时候互联网江湖新秀，近8000万中国网民贡献着炙热的流量。\n2010年前后伴随着移动互联网的兴起以及基础支付、物流、数据等基础设施的完善，电商巨头们一路高歌猛进，新进者也是踌躇满志。\n这时，岳立华的芙蓉优选长成湖南长沙覆盖率最高的便利店品牌之一，红底白字的招牌在大街小巷随处可见。\n作为传统零售从业者，岳立华确确实实感知到互联网大潮对传统零售行业的冲击：一方面，芙蓉兴盛的业务开始受到影响，比如以往的加盟数量都有比较好的增幅，但在电商的裹挟下这种增长竟然发生滞后；另一方面，在收入减少的情况下，便利店老板的加盟意愿在降低。\n岳立华判断，未来将有70%的订单来自于线上，这样就意味着传统社区便利店模式只能拿到30%的业务量。“那时状况非常危险，甚至可能会被蚕食掉”，一位兴盛优选内部人士对《深网》回忆。\n向线上的转型之路便由此展开。\n四年四个阶段，跑通“预售+自提”\n2013年7月，岳立华开始着手孵化电商平台“兴盛优选”，2014年初，前期团队搭建和准备工作就绪，兴盛优选正式跑起来。\n现在来看，“预售+自提”的模式被验证是可行的，也成为目前多数社区团购入局者的主流模式，“供应商——中心仓——网格站——门店——消费者”的四级链路被复用。\n不过，兴盛优选花了四年时间，经历门店自配送阶段、网仓阶段、配送站阶段，直到2017年6月才最终摸索出“预售+自提”模式。\n据《深网》了解，第一阶段是门店自配送阶段，兴盛优选为门店做APP，消费者网上下单，门店老板送货上门；第二阶段是网仓模式，以生鲜水果产品为主，公司花了2000多万组建了配送团队；第三阶段是配送站模式，但很快就因为没有流量和运营成本高企，模式无法持续放大而失败了。\n2016年是兴盛优选发展中难熬的一年。《深网》从兴盛优选内部人士了解，2016年下半年业务亏损已达数千万，公司主体芙蓉兴盛利润本身就不算高，再加上公司还在准备IPO，系列因素夹杂在一起导致董事会强烈反对继续对兴盛优选投入。于是，300多人的团队不得不解散，最后只剩下创始人周颖洁和刘辉宇以及技术团队。\n即便如此，岳立华、周颖洁、刘辉宇三人仍然坚持“线上+线下”才是未来方向，只不过当时没找到合适的商业模式。\n创立兴盛优选的初衷是为了复兴门店，为了进一步探索未来的商业模式。那段时间，周颖洁和刘辉宇二人花了很多时间去泡门店，去了解便利店老板们的需求。“这些店老板一般都没有长期规划，他们合作的要求只有两个，一是可以很快挣到钱，二是增加客流量，三是不要增加库存、人力、资金的投入。”这位内部人士对《深网》称。\n最后他们提出了“预售+自提”模式，并在2016年8月开始试验效果。预售卖夫妻零售店没有的商品，不会跟他们形成竞争，自提可以很好地帮助门店引流。主打的产品还是生鲜水果，这些是高频刚需品。到了2017年6月，新模式被复制推行到62家门店，订单从每天2000单攀升至20000单。\n不过，兴盛优选不直接开展门店拓展工作，而是由第三方公司首德公司来执行的，负责在全国范围内宣传推广兴盛优选平台，为兴盛优选门店提供培训和店主关系维护服务。据陆玖财经报道，兴盛优选没有收取加盟费，但却采用了积分兑换奖励，以发展店主数量和销售单量作为返利的依据。这点和拼多多早期发展模式有相似之处。\n\n战略方向：复兴门店和赋能上游\n在兴盛优选内部，岳立华经常提到“复兴门店”和“赋能上游”，这也被兴盛优选划定为重要战略方向。\n“兴盛优选的定位是预售+自提，跟传统电商有不一样的地方，我们是依托于社区的小店来做生意，所以为什么越来越多的门店来跟随兴盛优选，是因为这个商业模式真正帮助他们赚到了钱。”刘辉宇表示。\n万国城店是兴盛优选的第一家门店。在没有连入兴盛优选的业务以前，这家门店只是一家开在小区楼下的普通门店。刘辉宇称，兴盛优选能为这家店带来每月2万左右的净收入，另外加上预售+自提模式让大量消费者到店提货，从而也提升了店铺本身的销售。兴盛优选的数据显示，一般做兴盛优选的门店，对他线下门店的生意有10%-20%的增量。\n《深网》从长沙一家兴盛优选团长处了解到，此前店里净收入为每月1万左右，做社区团购后收入能达到1万7左右——这个逻辑很好理解，当用户到店自提时，自然而然就提高了他们在店内消费的频率。\n在兴盛优选的业务版图中，乡镇农村是重要组成部分。据《深网》了解到，每开拓一个新市场时，兴盛优选的打法基本都是从省会城市入手，然后开拓周边城市、县城最后渗透至乡镇和农村。\n“做生意跟打仗一样，也得讲究灵活度。在湖南，我是从小城镇起步;而在省外，就须先选择省会城市，扎稳中心市场，再通过省会城市辐射发展到地县级城市。能在省会城市立足了、有影响力了，往下发展就相对容易了。其实这套‘农村-城市-农村’的发展思路，是跟毛主席学的。”岳立华曾这样解释。\n目前兴盛优选已经进入了13个省市、166个地级市，1052个县市级、4904个乡镇和37151个村。一位行业人士对《深网》分析，社区团购的渗透率目前不到5%，就目前来看巨头首先进入的通常是省会城市，其次是地级市，再下沉的县城、农村短期内不好渗透，这是兴盛优选的优势所在。\n目前，兴盛优选建立了自己的一套供应链体系，供应商将商品配送至中心仓，再向下依次配送至从网格站和门店。据《深网》了解，兴盛优选23000名员工中，物流配送就超过21000人。\n战事升级，资本卷土重来\n兴盛优选的成长过程中，2018年是最难捱的一年。\n彼时社区团购行业大爆发，巅峰时期仅3个月就有超过20亿资金涌入。“虽然成本占比是在下降，但因为规模一直扩大因此也一直亏损，缺钱很痛苦。”兴盛优选内部人士对《深网》称，直到2018年9月拿到今日资本领投的A轮融资才缓解了资金压力，让业务得以继续推行下去。\n时隔两年，资本摩拳擦掌再次入场，社区团购赛道巨头林立，残酷程度或许不亚于当年的团购大战和外卖大战。\n岳立华给团队定下的新目标是“用户体验、舍命狂奔”。他们认为，“消费者不是被谁抢走的，而是看是不是能主动留下。毕竟补贴不会永久持续，也并非所有商品都能搞低价，在此基础上要看商品能否准时、稳定地送达，物流是关键指标。“\n一位接近兴盛优选的内部人士对《深网》称，目前即便是在拼多多、美团、滴滴等巨头入局的当下，兴盛优选依然保持每周至少1万到1万5千家门店上线，日均订单维持在900万到1000万之间，双11订单达到1200万单。这位人士称，预测2020年底门店总量将突破50万家。\n据悉，下一步，兴盛优选将重点布局经济更为发达的长三角地区，而前期在江苏的供应商招募已经启动，预计春节前会陆续启动江苏、安徽和浙江的运营。\n眼下，一场升级战事已经打响。","news_type":1,"symbols_score_info":{"BABA":0.9,"03690":0.9,"PDD":0.9}},"isVote":1,"tweetTyp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when you first post [compare heart] [compare heart] post, you can get more exposure by related stocks or related topics. If you want to create high-quality articles, please checkGuidelines for Tiger Community Creation","text":"Finally, when you first post [compare heart] [compare heart] post, you can get more exposure by related stocks or related topics. If you want to create high-quality articles, please checkGuidelines for Tiger Community Creation","html":"Finally, when you first post [compare heart] [compare heart] post, you can get more exposure by related stocks or related topics. If you want to create high-quality articles, please checkGuidelines for Tiger Community Creation"}],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":358290119,"gmtCreate":1616690670931,"gmtModify":1704797560967,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"I believe in Bill Gates &amp; Volkswagen ??‍♀️","listText":"I believe in Bill Gates &amp; Volkswagen ??‍♀️","text":"I believe in Bill Gates & Volkswagen ??‍♀️","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/358290119","repostId":"2122624446","repostType":4,"isVote":1,"tweetType":1,"viewCount":2775,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":358299495,"gmtCreate":1616690868317,"gmtModify":1704797562927,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"? Hold it&nbsp;","listText":"? Hold it&nbsp;","text":"? Hold it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/358299495","repostId":"2122443771","repostType":4,"isVote":1,"tweetType":1,"viewCount":2181,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":358290583,"gmtCreate":1616690710442,"gmtModify":1704797561619,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"LOL the new norm&nbsp;","listText":"LOL the new norm&nbsp;","text":"LOL the new norm","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/358290583","repostId":"1182633612","repostType":4,"repost":{"id":"1182633612","kind":"news","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1616685155,"share":"https://ttm.financial/m/news/1182633612?lang=en_US&edition=fundamental","pubTime":"2021-03-25 23:12","market":"us","language":"en","title":"“meme” stocks are flying again","url":"https://stock-news.laohu8.com/highlight/detail?id=1182633612","media":"Tiger Newspress","summary":"Some “meme” stocks are flying again in Thursday trading.The shares of Koss is up 48%,GameStop is up ","content":"<p>Some&nbsp;“meme” stocks are flying again&nbsp;in Thursday trading.The shares of Koss is up 48%,GameStop is up 28%,AMC Entertainment is up 17%,Express&nbsp;is&nbsp;up&nbsp;10%.</p><p><img src=\"https://static.tigerbbs.com/1302a53fc18c4f16064864cc99f90108\" tg-width=\"369\" tg-height=\"296\" referrerpolicy=\"no-referrer\"></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>“meme” stocks are flying again</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n“meme” stocks are flying again\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time\">2021-03-25 23:12</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>Some&nbsp;“meme” stocks are flying again&nbsp;in Thursday trading.The shares of Koss is up 48%,GameStop is up 28%,AMC Entertainment is up 17%,Express&nbsp;is&nbsp;up&nbsp;10%.</p><p><img src=\"https://static.tigerbbs.com/1302a53fc18c4f16064864cc99f90108\" tg-width=\"369\" tg-height=\"296\" referrerpolicy=\"no-referrer\"></p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"KOSS":"高斯电子","AMC":"AMC院线","GME":"游戏驿站"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1182633612","content_text":"Some “meme” stocks are flying again in Thursday trading.The shares of Koss is up 48%,GameStop is up 28%,AMC Entertainment is up 17%,Express is up 10%.","news_type":1,"symbols_score_info":{"GME":0.9,"KOSS":0.9,"AMC":0.9}},"isVote":1,"tweetType":1,"viewCount":2070,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":387572184,"gmtCreate":1613763808448,"gmtModify":1704884808203,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Woww","listText":"Woww","text":"Woww","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/387572184","repostId":"1161529893","repostType":4,"repost":{"id":"1161529893","kind":"news","pubTimestamp":1613733842,"share":"https://ttm.financial/m/news/1161529893?lang=en_US&edition=fundamental","pubTime":"2021-02-19 19:24","market":"us","language":"en","title":"Goldman Sachs is joining the robo-investing party — should you?","url":"https://stock-news.laohu8.com/highlight/detail?id=1161529893","media":"Marketwatch","summary":"‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.Robo investing has become increasingly ubiquitous on practically every brokerage platform. Until Tuesday, Goldman Sachs GS, -0.91% restricted its robo-advisory service, Marcus, to people who had at least $10 million to invest.Now anyone with at least $1,000 to invest in can access the same trading algorithms that have been used by so","content":"<blockquote>\n ‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.\n</blockquote>\n<p>Robo investing has become increasingly ubiquitous on practically every brokerage platform. Until Tuesday, Goldman Sachs GS, -0.91% restricted its robo-advisory service, Marcus, to people who had at least $10 million to invest.</p>\n<p>Now anyone with at least $1,000 to invest in can access the same trading algorithms that have been used by some of Goldman Sachs’ wealthiest clients for a 0.35% annual advisory fee. But investing experts say there are more costs to consider before jumping on the robo-investing train.</p>\n<p>“Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.</p>\n<p>Although the 35 basis-point price tag is a “loss leader” to Goldman Sachs, he said companies typically make such offers in order to attract clients to cross-sell them banking products.</p>\n<p>“People forget that banks are ultimately in the business of making money,” he said.</p>\n<p>Goldman Sachs declined to comment.</p>\n<p>The company is among other major financial-services firms offering digital advisers, including Vanguard, Fidelity and Schwab SCHW, +1.03% and startups such as Betterment and Wealthfront.</p>\n<p>Fees for robo advisers can start at around 0.25%, and increase to 1% and above for traditional brokers. A survey of nearly 1,000 financial planners by Inside Information, a trade publication, found that the bigger the portfolio, the lower the percentage clients paid in fees.</p>\n<p>The median annual charge hovered at around 1% for portfolios of $1 million or less, and 0.5% for portfolios worth $5 million to $10 million.</p>\n<p>Robo advisers like those on offer from Goldman Sachs and Betterment differ from robo platforms like Robinhood. The former suggest portfolios focused on exchange-traded funds, while Robinhood allows users to invest in individual ETFs, stocks, options and even cryptocurrencies.</p>\n<p><b>Robo investing as a self-driving car</b></p>\n<p>Consumers have turned to robo-investing at unprecedented levels during the pandemic.</p>\n<p>The rate of new accounts opened jumped between 50% and 300% during the first quarter of 2020 compared to the fourth quarter of last year, according to a May report published by research and advisory firm Aite Group.</p>\n<p>So what is rob-investing? Think of it like a self-driving car.</p>\n<p>You put in your destination, buckle up in the backseat and your driver (robo adviser) will get there. You, the passenger, can’t easily slam the breaks if you fear your driver is leading you in the wrong direction. Nor can you put your foot on the gas pedal if you’re in a rush and want to get to your destination faster.</p>\n<p>Robo-investing platforms use advanced-trading algorithm software to design investment portfolios based on factors such as an individual’s appetite for risk-taking and desired short-term and long-term returns.</p>\n<p>There are over 200 platforms that provide these services charging typically no more than a 0.5% annual advisory fee, compared to the 1% annual fee human investment advisors charge.</p>\n<p>And rather than investing entirely on your own, which can become a second job and lead to emotional investment decisions, robo advisers handle buying and selling assets.</p>\n<p>Cynthia Loh, Schwab vice president of Digital Advice and Innovation, disagrees, and argues that robo investing doesn’t mean giving technology control of your money. Schwab, she said, has a team of investment experts who oversee investment strategy and keep watch during periods of market volatility, although some services have more input from humans than others.</p>\n<p>As she recently wrote on MarketWatch: “One common misconception about automated investing is that choosing a robo adviser essentially means handing control of your money over to robots. The truth is that robo solutions have a combination of automated and human components running things behind the scenes.”</p>\n<p><b>Robos appeal to inexperienced investors</b></p>\n<p>Robo investing tends to appeal to inexperienced investors or ones who don’t have the time or energy to manage their own portfolios. These investors can take comfort in the “set it and forget it approach to investing and overtime let the markets do their thing,” Barse said.</p>\n<p>That makes it much easier to stomach market volatility knowing that you don’t necessarily have to make spur-of-the-moment decisions to buy or sell assets, said Tiffany Lam-Balfour, an investing and retirement specialist at NerdWallet.</p>\n<p>“When you’re investing, you don’t want to keep looking at the market and going ‘Oh I need to get out of this,’” she said. “You want to leave it to the professionals to get you through it because they know what your time horizon is, and they’ll adjust your portfolio automatically for you.”</p>\n<p>That said, “you can’t just expect your investments will only go up. Even if you had the world’s best human financial adviser you can’t expect that.”</p>\n<p>Others disagree, and say robo advisers appeal to older investors. “Planning for and paying yourself in retirement is complex. There are many options out there to help investors through it, and robo investing is one of them,” Loh said.</p>\n<p>“Many thoughtful, long-term investors have discovered that they want a more modern, streamlined, and inexpensive way to invest, and robo investing fits the bill. They are happy to let technology handle the mundane activities that are harder and more time-consuming for investors to do themselves,” she added.</p>\n<p><b>There is often no door to knock on</b></p>\n<p>Your robo adviser only knows what you tell it. The simplistic questionnaire you’re required to fill out will on most robo-investing platforms will collect information on your annual income, desired age to retire and the level of risk you’re willing to take on.</p>\n<p>It won’t however know if you just had a child and would like to begin saving for their education down the road or if you recently lost your job.</p>\n<p>“The question then becomes to whom does that person go to for advice and does that platform offer that and if so, to what level of complexity?” said Barse.</p>\n<p>Not all platforms give individualized investment advice and the hybrid models that do offer advice from a human tend to charge higher annual fees.</p>\n<p>Additionally, a robo adviser won’t necessarily “manage your money with tax efficiency at front of mind,” said Roger Ma, a certified financial planner at Lifelaidout, a New York City-based financial advisory group.</p>\n<p>For instance, one common way investors offset the taxes they pay on long-term investments is by selling assets that have accrued losses. Traditional advisers often specialize in constructing portfolios that lead to the most tax-efficient outcomes, said Ma, who is the author of “Work Your Money, Not Your Life”.</p>\n<p>But with robo investing, the trades that are made for you are the same ones that are being made for a slew of other investors who may fall under a different tax-bracket than you.</p>\n<p>On top of that, while robo investing may feel like a simplistic way to get into investing, especially for beginners it can “overcomplicate investing,” Ma said.</p>\n<p>“If you are just looking to dip your toe in and you want to feel like you’re invested in a diversified portfolio, I wouldn’t say definitely don’t do a robo adviser,” he said.</p>\n<p>Don’t rule out investing through a target-date fund that selects a single fund to invest in and adjusts the position over time based on their investment goals, he added.</p>\n<p>But not everyone can tell the difference between robo advice and advice from a human being. In 2015, MarketWatch asked four prominent robo advisers and four of the traditional, flesh-and-blood variety to construct portfolios for a hypothetical 35-year-old investor with $40,000 to invest.</p>\n<p>The results were, perhaps, surprising for critics of robo advisers. The robots’ suggestions were “not massively different” from what the human advisers proposed, said Michael Kitces, Pinnacle Advisory Group’s research director, after reviewing the results.</p>\n<p></p>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Goldman Sachs is joining the robo-investing party — should you?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nGoldman Sachs is joining the robo-investing party — should you?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-02-19 19:24 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/story/goldman-sachs-is-joining-the-robo-investing-party-should-you-11613658128?mod=home-page><strong>Marketwatch</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.\n\nRobo investing has become ...</p>\n\n<a href=\"https://www.marketwatch.com/story/goldman-sachs-is-joining-the-robo-investing-party-should-you-11613658128?mod=home-page\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.marketwatch.com/story/goldman-sachs-is-joining-the-robo-investing-party-should-you-11613658128?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1161529893","content_text":"‘Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.\n\nRobo investing has become increasingly ubiquitous on practically every brokerage platform. Until Tuesday, Goldman Sachs GS, -0.91% restricted its robo-advisory service, Marcus, to people who had at least $10 million to invest.\nNow anyone with at least $1,000 to invest in can access the same trading algorithms that have been used by some of Goldman Sachs’ wealthiest clients for a 0.35% annual advisory fee. But investing experts say there are more costs to consider before jumping on the robo-investing train.\n“Much like in Vegas, the house generally wins,” said Vance Barse, a San Diego, California-based financial advisor who runs a company called Your Dedicated Fiduciary.\nAlthough the 35 basis-point price tag is a “loss leader” to Goldman Sachs, he said companies typically make such offers in order to attract clients to cross-sell them banking products.\n“People forget that banks are ultimately in the business of making money,” he said.\nGoldman Sachs declined to comment.\nThe company is among other major financial-services firms offering digital advisers, including Vanguard, Fidelity and Schwab SCHW, +1.03% and startups such as Betterment and Wealthfront.\nFees for robo advisers can start at around 0.25%, and increase to 1% and above for traditional brokers. A survey of nearly 1,000 financial planners by Inside Information, a trade publication, found that the bigger the portfolio, the lower the percentage clients paid in fees.\nThe median annual charge hovered at around 1% for portfolios of $1 million or less, and 0.5% for portfolios worth $5 million to $10 million.\nRobo advisers like those on offer from Goldman Sachs and Betterment differ from robo platforms like Robinhood. The former suggest portfolios focused on exchange-traded funds, while Robinhood allows users to invest in individual ETFs, stocks, options and even cryptocurrencies.\nRobo investing as a self-driving car\nConsumers have turned to robo-investing at unprecedented levels during the pandemic.\nThe rate of new accounts opened jumped between 50% and 300% during the first quarter of 2020 compared to the fourth quarter of last year, according to a May report published by research and advisory firm Aite Group.\nSo what is rob-investing? Think of it like a self-driving car.\nYou put in your destination, buckle up in the backseat and your driver (robo adviser) will get there. You, the passenger, can’t easily slam the breaks if you fear your driver is leading you in the wrong direction. Nor can you put your foot on the gas pedal if you’re in a rush and want to get to your destination faster.\nRobo-investing platforms use advanced-trading algorithm software to design investment portfolios based on factors such as an individual’s appetite for risk-taking and desired short-term and long-term returns.\nThere are over 200 platforms that provide these services charging typically no more than a 0.5% annual advisory fee, compared to the 1% annual fee human investment advisors charge.\nAnd rather than investing entirely on your own, which can become a second job and lead to emotional investment decisions, robo advisers handle buying and selling assets.\nCynthia Loh, Schwab vice president of Digital Advice and Innovation, disagrees, and argues that robo investing doesn’t mean giving technology control of your money. Schwab, she said, has a team of investment experts who oversee investment strategy and keep watch during periods of market volatility, although some services have more input from humans than others.\nAs she recently wrote on MarketWatch: “One common misconception about automated investing is that choosing a robo adviser essentially means handing control of your money over to robots. The truth is that robo solutions have a combination of automated and human components running things behind the scenes.”\nRobos appeal to inexperienced investors\nRobo investing tends to appeal to inexperienced investors or ones who don’t have the time or energy to manage their own portfolios. These investors can take comfort in the “set it and forget it approach to investing and overtime let the markets do their thing,” Barse said.\nThat makes it much easier to stomach market volatility knowing that you don’t necessarily have to make spur-of-the-moment decisions to buy or sell assets, said Tiffany Lam-Balfour, an investing and retirement specialist at NerdWallet.\n“When you’re investing, you don’t want to keep looking at the market and going ‘Oh I need to get out of this,’” she said. “You want to leave it to the professionals to get you through it because they know what your time horizon is, and they’ll adjust your portfolio automatically for you.”\nThat said, “you can’t just expect your investments will only go up. Even if you had the world’s best human financial adviser you can’t expect that.”\nOthers disagree, and say robo advisers appeal to older investors. “Planning for and paying yourself in retirement is complex. There are many options out there to help investors through it, and robo investing is one of them,” Loh said.\n“Many thoughtful, long-term investors have discovered that they want a more modern, streamlined, and inexpensive way to invest, and robo investing fits the bill. They are happy to let technology handle the mundane activities that are harder and more time-consuming for investors to do themselves,” she added.\nThere is often no door to knock on\nYour robo adviser only knows what you tell it. The simplistic questionnaire you’re required to fill out will on most robo-investing platforms will collect information on your annual income, desired age to retire and the level of risk you’re willing to take on.\nIt won’t however know if you just had a child and would like to begin saving for their education down the road or if you recently lost your job.\n“The question then becomes to whom does that person go to for advice and does that platform offer that and if so, to what level of complexity?” said Barse.\nNot all platforms give individualized investment advice and the hybrid models that do offer advice from a human tend to charge higher annual fees.\nAdditionally, a robo adviser won’t necessarily “manage your money with tax efficiency at front of mind,” said Roger Ma, a certified financial planner at Lifelaidout, a New York City-based financial advisory group.\nFor instance, one common way investors offset the taxes they pay on long-term investments is by selling assets that have accrued losses. Traditional advisers often specialize in constructing portfolios that lead to the most tax-efficient outcomes, said Ma, who is the author of “Work Your Money, Not Your Life”.\nBut with robo investing, the trades that are made for you are the same ones that are being made for a slew of other investors who may fall under a different tax-bracket than you.\nOn top of that, while robo investing may feel like a simplistic way to get into investing, especially for beginners it can “overcomplicate investing,” Ma said.\n“If you are just looking to dip your toe in and you want to feel like you’re invested in a diversified portfolio, I wouldn’t say definitely don’t do a robo adviser,” he said.\nDon’t rule out investing through a target-date fund that selects a single fund to invest in and adjusts the position over time based on their investment goals, he added.\nBut not everyone can tell the difference between robo advice and advice from a human being. In 2015, MarketWatch asked four prominent robo advisers and four of the traditional, flesh-and-blood variety to construct portfolios for a hypothetical 35-year-old investor with $40,000 to invest.\nThe results were, perhaps, surprising for critics of robo advisers. The robots’ suggestions were “not massively different” from what the human advisers proposed, said Michael Kitces, Pinnacle Advisory Group’s research director, after reviewing the results.","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":813,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":398048275,"gmtCreate":1606802991297,"gmtModify":1704966977359,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"The translation sounds a little weird","listText":"The translation sounds a little weird","text":"The translation sounds a little weird","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/398048275","repostId":"1190191899","repostType":4,"repost":{"id":"1190191899","kind":"news","pubTimestamp":1606795193,"share":"https://ttm.financial/m/news/1190191899?lang=en_US&edition=fundamental","pubTime":"2020-12-01 11:59","market":"us","language":"zh","title":"Xingsheng Preferred, a unicorn that Alibaba, Meituan and Pinduoduo are imitating","url":"https://stock-news.laohu8.com/highlight/detail?id=1190191899","media":"深网腾讯新闻  ","summary":"时隔数年，社区团购战火被再次点燃，不同的是，这场战争从创业公司角逐升级为巨头之间的竞争，在上一轮行业洗牌中跑出的兴盛优选，如今又与阿里、美团、拼多多、滴滴站在了同一赛道。\n1990年，年仅17岁的岳立","content":"<p><b>After several years, the community group buying war has been ignited again. The difference is that this war has started from<a href=\"https://laohu8.com/S/V03.SI\">Startups</a>The competition has been upgraded to a competition among giants. Xingshengyou, which ran out of the last round of industry reshuffle, is now competing with Ali, Meituan,<a href=\"https://laohu8.com/S/PDD\">Pinduoduo</a>, Didi stood on the same track.</b></p><p>In 1990, when Yue Lihua, who was only 17 years old, opened a wholesale department in a township, he didn't expect that 30 years later, Xingshengyou, which was hatched step by step from a small business, had become a member of the top echelon of China's community group buying industry.</p><p>The 2020 epidemic is a new catalyst for community group buying. \"Shenwang\" learned that at the end of February this year, the opening rate of Xingsheng's preferred stores returned to the pre-epidemic state; In the first quarter, the transaction volume increased by 5 times year-on-year, and the number of new users increased by 4 times year-on-year.</p><p>This is a virgin land with a penetration rate of only 5% and has not been fully reclaimed, especially in low-tier cities and towns with huge consumer bases. Ai Media Consulting data shows that the community group buying market is expected to reach 72 billion yuan in 2020, a year-on-year increase of 112%; In mid-2022, the scale of community group buying is expected to exceed 102 billion yuan.</p><p>The huge market space and growth potential have attracted the attention of giants. After a lapse of several years, the community group buying war has been ignited again. The difference is that this war has escalated from a competition between startups to a competition between giants. Meituan, Pinduoduo, and Didi stand on the same track.</p><p>According to \"Deep Web\", Xingsheng Optimal has been generally used as an inspection model by new entrants, and employees have become the targets of poaching; From the perspective of business development areas, Hunan, its base camp, has also become an important battlefield for this new battle, where giants such as Didi Meituan launched a new showdown.</p><p>Capital is like a giant hourglass. It can help an industry get on the fast track, and at the same time, it can accelerate the elimination of the weak and leave winners.</p><p>In fact, from the wave of bankruptcies to group mergers, the community group buying industry has undergone a round of reshuffle in just two years. According to incomplete statistics, more than 20 fresh food e-commerce companies closed down in the past year: in May last year, Hema Fresh closed its first store; At the end of October, the two-year-old fruit membership platform \"Mini Fresh\" announced that it would suspend operations due to poor management and long-term losses; At the end of November, the community fresh food e-commerce platform \"Miao Life\" announced the closure of stores and bankruptcy liquidation; Dairaobo, whose main business is community group buying and self-pickup, was also exposed to a business crisis, and the Hangzhou center was closed; Taojiji, a star company that once started with fruits and other categories, also fell into bankruptcy liquidation stage at the end of the year. Just recently, Yiguo Fresh, one of the earliest fresh food e-commerce companies in China, entered bankruptcy and reorganization.</p><p>Community group buying is not as simple as it seems, a business that connects the B-end to the C-end from logistics. It also involves many complex links, such as inventory, loss, cold chain, etc. According to a data from the China E-Commerce Research Center, among the more than 4,000 entrants of fresh food e-commerce, 4% were flat, 88% suffered losses, and the remaining 7% were huge losses, and only 1% achieved profitability in the end.</p><p>This industry has experienced an a vicious circle in which the faster you open more stores, the faster you burn money, and the more you lose money. Now that the small players have been cleaned out, the next step will be the competition between the top players who have run out and the giants.</p><p><b>E-commerce impact and incubation prosperity selection</b></p><p>On May 20 this year, Xingsheng Optimal moved into the new headquarters building in Changsha, Hunan. It was also here that Yue Lihua spent 30 years expanding his business from the earliest canteen wholesaler to the later supermarket chain Furong Xingsheng and community e-commerce Xingsheng.</p><p>It can be said that the emergence of Furong Xingsheng and Xingshengyou stepped on two important turning points in the development of China's retail industry respectively.</p><p>Slightly different from the Internet entrepreneurs we usually see, Yue Lihua, chairman of Xingsheng Preferred and founder of Furong Xingsheng, is a typical entrepreneur in traditional industries.</p><p>Low-key and sensitive to numbers, \"raising costs to a strategic level, not an operational figure,\" a person who worked with him commented on \"Deep Web\".</p><p>Yue Lihua was born in Nanxian County, Yiyang, Hunan Province, and has been helping to look after the canteen at home since elementary school. At the age of 17, Yue Lihua borrowed money in the name of his parents, opened a wholesale department in the town, and became an upstream wholesaler.</p><p>In 2001, Yue Lihua wanted to do something bigger, so he simply opened a supermarket. At that time, China's retail format was still dominated by canteens. He positioned Xingsheng Supermarket as a community supermarket, with two modes: direct sales and franchise, and only operated small supermarkets.</p><p>There are also detours in the middle. \"At that time, the smallest store scale of our store was more than 100 square meters, and the largest store was more than 800 square meters. However, in the process of operation, I deeply felt that my energy was insufficient, and it was difficult for management to keep up. A series of problems followed, and it was difficult to control if it continued to develop.\" Yue Lihua later recalled.</p><p>\"I began to reflect, in terms of funds, strength, managers, and experience, we can't compete with<a href=\"https://laohu8.com/S/WMT\">Walmart</a>Compared with large supermarkets such as Xinyijia. However, I found that although the products of big supermarkets are complete, it is inconvenient to go there, and the convenience supermarkets located in the community have become the first choice of citizens. Small-scale operations are easy to control and manage. I predict that the future will definitely be a two-level market, either bigger or smaller. In this case, I might as well be smaller. \" Subsequently, Yue Lihua closed shops of more than 100 square meters, focusing on small shops of 30-80 square meters.</p><p>In 2003, e-commerce sprouted, Dangdang, Zhuoyue, Ali,<a href=\"https://laohu8.com/S/JD\">JD.com</a>At that time, he became a rookie in the Internet Jianghu, and nearly 80 million Chinese netizens contributed hot traffic.</p><p>Around 2010, with the rise of mobile Internet and the improvement of basic payment, logistics, data and other infrastructure, e-commerce giants have made great strides all the way, and newcomers are also full of ambition.</p><p>At this time, Yue Lihua's Furong is preferred to grow into one of the convenience store brands with the highest coverage rate in Changsha, Hunan Province, and signs with red background and white characters can be seen everywhere in the streets and alleys.</p><p>As a traditional retail practitioner, Yue Lihua really felt the impact of the Internet tide on the traditional retail industry: on the one hand, Furong's prosperous business began to be affected. For example, the number of franchises in the past had a relatively good increase, but this growth actually lagged behind under the coercion of e-commerce; On the other hand, with the decrease of income, the willingness of convenience store owners to join is decreasing.</p><p>Yue Lihua judged that 70% of orders will come online in the future, which means that the traditional community convenience store model can only get 30% of the business volume. \"At that time, the situation was very dangerous, and it might even be eroded away,\" an insider of Xingshengyou recalled to \"Deep Web\".</p><p>The road to online transformation begins here.</p><p><b>Four years and four stages, running through \"pre-sale + self-pickup\"</b></p><p>In July, 2013, Yue Lihua began to incubate the e-commerce platform \"Xingsheng Optimal\". At the beginning of 2014, the preliminary team building and preparation work were ready, and Xingsheng Optimal officially started running.</p><p>Looking at it now, the \"pre-sale + self-pickup\" model has been verified to be feasible, and it has also become the mainstream model of most community group buying entrants. The four-level link of \"supplier-central warehouse-grid station-store-consumer\" is reused.</p><p>However, it took Xingsheng Optimal four years to go through the store self-distribution stage, the online warehouse stage and the distribution station stage. It was not until June 2017 that the \"pre-sale + self-pickup\" model was finally explored.</p><p>According to \"Shenwang\", the first stage is the self-delivery stage of the store. Xingsheng preferably makes an APP for the store, consumers place orders online, and the store owner delivers the goods to the door; The second stage is the net warehouse mode, which focuses on fresh fruit products. The company spent more than 20 million yuan to set up a distribution team; The third stage was the distribution station model, but it soon failed because there was no traffic and high operating costs, and the model could not be continuously amplified.</p><p>2016 is a difficult year in the development of prosperity and optimization. \"Shenwang\" learned from insiders of Xingsheng Preferred that in the second half of 2016, the business loss has reached tens of millions, and the profit of Furong Xingsheng, the main body of the company, is not high. In addition, the company is still preparing for IPO, and a series of factors are mixed together, which leads to the board of directors' strong opposition to continuing to invest in Xingsheng Preferred. As a result, the team of more than 300 people had to be disbanded, leaving only the founders Zhou Yingjie and Liu Huiyu and the technical team.</p><p>Even so, Yue Lihua, Zhou Yingjie and Liu Huiyu still insisted that \"online + offline\" was the future direction, but they didn't find a suitable business model at that time.</p><p>The original intention of establishing Xingsheng Optimal is to revive the store and further explore the future business model. During that time, Zhou Yingjie and Liu Huiyu spent a lot of time visiting stores to understand the needs of convenience store owners. \"These store owners generally don't have long-term plans. They only have two requirements for cooperation. One is to make money quickly, the other is to increase passenger flow, and the third is not to increase the investment in inventory, manpower and capital.\" The insider told Deep Web.</p><p>Finally, they put forward the \"pre-sale + self-pickup\" model, and began to test the effect in August 2016. Pre-selling goods that are not available in husband and wife retail stores will not compete with them, and self-pickup can help stores attract traffic. The main product is still fresh fruits, which are high-frequency just-needed products. By June 2017, the new model was replicated and implemented to 62 stores, and orders climbed from 2,000 orders per day to 20,000 orders.</p><p>However, Xingsheng Optimal does not directly carry out store expansion work, but is carried out by a third-party company, Shoude Company, which is responsible for promoting the Xingsheng Optimal platform nationwide, and providing training and owner relationship maintenance services for Xingsheng Optimal stores. According to Lujiu Finance and Economics, Xingsheng Optimal does not charge a franchise fee, but uses points to exchange rewards, and uses the number of shopkeepers and sales orders as the basis for rebates. This is similar to Pinduoduo's early development model.</p><p><img src=\"https://static.tigerbbs.com/7958f5b76b8d3658b2725449dc3799ed\" tg-width=\"1080\" tg-height=\"903\"><img src=\"https://static.tigerbbs.com/0dbe11b6ebc203cff63855631a1e8966\" tg-width=\"576\" tg-height=\"179\"></p><p><b>Strategic direction: reviving stores and empowering upstream</b></p><p>Within Xingsheng Optimization, Yue Lihua often mentions \"reviving stores\" and \"empowering upstream\", which are also designated as important strategic directions by Xingsheng Optimization.</p><p>\"The positioning of Xingsheng Optimal is pre-sale + self-pickup, which is different from traditional e-commerce. We rely on small stores in the community to do business, so why more and more stores follow Xingsheng Optimal is because this business model really helps them make money.\" Liu Huiyu said.</p><p>Wanguocheng Store is the first store selected by Xingsheng. Before it was connected to Xingsheng Optimal's business, this store was just an ordinary store downstairs in the community. Liu Huiyu said that Xingsheng Optimal can bring a monthly net income of about 20,000 yuan to this store. In addition, the pre-sale + self-pickup mode allows a large number of consumers to pick up goods in the store, thus also increasing the sales of the store itself. According to the data of Xingsheng Optimal, generally, the stores of Xingsheng Optimal will increase the business of other offline stores by 10%-20%.</p><p>\"Shenwang\" learned from the head of a prosperous preferred group in Changsha that the net income of the store was about 10,000 per month before, and the income after community group purchase could reach about 17,000-this logic is easy to understand. When users come to the store When they pick up, they naturally increase the frequency of their consumption in the store.</p><p>Townships and rural areas are an important part of Xingsheng's preferred business map. According to \"Shenwang\", every time a new market is opened up, Xingsheng's preferred style of play basically starts with provincial capital cities, then develops surrounding cities and county towns and finally penetrates into towns and rural areas.</p><p>\"Doing business is the same as fighting, and you have to pay attention to flexibility. In Hunan, I started from a small town; Outside the province, you must first choose the provincial capital city, stabilize the central market, and then develop to the county-level city through the radiation of the provincial capital city. If you can gain a foothold and have influence in the provincial capital city, it will be relatively easy to develop downward. In fact, this set of \"rural-urban-rural\" development ideas was learned from Chairman Mao. \" Yue Lihua once explained this.</p><p>At present, Xingsheng Optimal has entered 13 provinces and cities, 166 prefecture-level cities, 1,052 county-level cities, 4,904 townships and 37,151 villages. An industry insider analyzed \"Shenwang\" that the penetration rate of community group buying is currently less than 5%. At present, giants usually enter provincial capital cities first, followed by prefecture-level cities, and then sinking counties and rural areas in the short term. It is not easy to penetrate, which is the advantage of Xingsheng Optimal.</p><p>At present, Xingsheng Optimal has established its own supply chain system. Suppliers distribute goods to the central warehouse, and then downward to grid stations and stores. According to \"Shenzhen Web\", among the 23,000 employees of Xingshengyou, there are more than 21,000 logistics and distribution employees.</p><p><b>The war escalates, capital makes a comeback</b></p><p>In the growth process of Xingsheng Preferred, 2018 is the most difficult year to endure.</p><p>At that time, the community group buying industry exploded, with more than 2 billion funds pouring in in just three months at its peak. \"Although the cost ratio is declining, it has been losing money because the scale has been expanding, and the lack of money is very painful.\" An insider of Xingsheng Preferred told \"Shenzhen Net\" that it was not until September 2018 that it received the A round led by Today's Capital. Financing eased the financial pressure and allowed the business to continue.</p><p>After a lapse of two years, capital is gearing up to enter the market again. There are many giants on the community group buying track, and the cruelty may be no less than the group buying war and food delivery war of that year.</p><p>The new goal set by Yue Lihua's team is \"user experience, risking one's life and running wildly\". They believe that \"consumers are not taken away by anyone, but whether they can take the initiative to stay. After all, subsidies will not last forever, and not all goods can be low-priced. On this basis, it depends on whether goods can be delivered on time and stably, and logistics is the key indicator.\"</p><p>An insider close to Xingsheng Preferred told \"Shenzhen Web\" that even when giants such as Pinduoduo, Meituan, and Didi enter the market, Xingsheng Preferred still keeps at least 10,000 to 15,000 stores online every week, with average daily orders maintaining between 9 million and 10 million, and double 11 orders reaching 12 million. The person said that it is predicted that the total number of stores will exceed 500,000 by the end of 2020.</p><p>It is reported that in the next step, Xingsheng Optimal will focus on the more economically developed Yangtze River Delta region, and the recruitment of suppliers in Jiangsu has already started in the early stage, and it is expected that operations in Jiangsu, Anhui and Zhejiang will be started before the Spring Festival.</p><p>At present, an escalation war has started.</p>","source":"lsy1594689214820","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Xingsheng Preferred, a unicorn that Alibaba, Meituan and Pinduoduo are imitating</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nXingsheng Preferred, a unicorn that Alibaba, Meituan and Pinduoduo are imitating\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">深网腾讯新闻  </strong><span class=\"h-time small\">2020-12-01 11:59</span>\n</p>\n</h4>\n</header>\n<article>\n<p><b>After several years, the community group buying war has been ignited again. The difference is that this war has started from<a href=\"https://laohu8.com/S/V03.SI\">Startups</a>The competition has been upgraded to a competition among giants. Xingshengyou, which ran out of the last round of industry reshuffle, is now competing with Ali, Meituan,<a href=\"https://laohu8.com/S/PDD\">Pinduoduo</a>, Didi stood on the same track.</b></p><p>In 1990, when Yue Lihua, who was only 17 years old, opened a wholesale department in a township, he didn't expect that 30 years later, Xingshengyou, which was hatched step by step from a small business, had become a member of the top echelon of China's community group buying industry.</p><p>The 2020 epidemic is a new catalyst for community group buying. \"Shenwang\" learned that at the end of February this year, the opening rate of Xingsheng's preferred stores returned to the pre-epidemic state; In the first quarter, the transaction volume increased by 5 times year-on-year, and the number of new users increased by 4 times year-on-year.</p><p>This is a virgin land with a penetration rate of only 5% and has not been fully reclaimed, especially in low-tier cities and towns with huge consumer bases. Ai Media Consulting data shows that the community group buying market is expected to reach 72 billion yuan in 2020, a year-on-year increase of 112%; In mid-2022, the scale of community group buying is expected to exceed 102 billion yuan.</p><p>The huge market space and growth potential have attracted the attention of giants. After a lapse of several years, the community group buying war has been ignited again. The difference is that this war has escalated from a competition between startups to a competition between giants. Meituan, Pinduoduo, and Didi stand on the same track.</p><p>According to \"Deep Web\", Xingsheng Optimal has been generally used as an inspection model by new entrants, and employees have become the targets of poaching; From the perspective of business development areas, Hunan, its base camp, has also become an important battlefield for this new battle, where giants such as Didi Meituan launched a new showdown.</p><p>Capital is like a giant hourglass. It can help an industry get on the fast track, and at the same time, it can accelerate the elimination of the weak and leave winners.</p><p>In fact, from the wave of bankruptcies to group mergers, the community group buying industry has undergone a round of reshuffle in just two years. According to incomplete statistics, more than 20 fresh food e-commerce companies closed down in the past year: in May last year, Hema Fresh closed its first store; At the end of October, the two-year-old fruit membership platform \"Mini Fresh\" announced that it would suspend operations due to poor management and long-term losses; At the end of November, the community fresh food e-commerce platform \"Miao Life\" announced the closure of stores and bankruptcy liquidation; Dairaobo, whose main business is community group buying and self-pickup, was also exposed to a business crisis, and the Hangzhou center was closed; Taojiji, a star company that once started with fruits and other categories, also fell into bankruptcy liquidation stage at the end of the year. Just recently, Yiguo Fresh, one of the earliest fresh food e-commerce companies in China, entered bankruptcy and reorganization.</p><p>Community group buying is not as simple as it seems, a business that connects the B-end to the C-end from logistics. It also involves many complex links, such as inventory, loss, cold chain, etc. According to a data from the China E-Commerce Research Center, among the more than 4,000 entrants of fresh food e-commerce, 4% were flat, 88% suffered losses, and the remaining 7% were huge losses, and only 1% achieved profitability in the end.</p><p>This industry has experienced an a vicious circle in which the faster you open more stores, the faster you burn money, and the more you lose money. Now that the small players have been cleaned out, the next step will be the competition between the top players who have run out and the giants.</p><p><b>E-commerce impact and incubation prosperity selection</b></p><p>On May 20 this year, Xingsheng Optimal moved into the new headquarters building in Changsha, Hunan. It was also here that Yue Lihua spent 30 years expanding his business from the earliest canteen wholesaler to the later supermarket chain Furong Xingsheng and community e-commerce Xingsheng.</p><p>It can be said that the emergence of Furong Xingsheng and Xingshengyou stepped on two important turning points in the development of China's retail industry respectively.</p><p>Slightly different from the Internet entrepreneurs we usually see, Yue Lihua, chairman of Xingsheng Preferred and founder of Furong Xingsheng, is a typical entrepreneur in traditional industries.</p><p>Low-key and sensitive to numbers, \"raising costs to a strategic level, not an operational figure,\" a person who worked with him commented on \"Deep Web\".</p><p>Yue Lihua was born in Nanxian County, Yiyang, Hunan Province, and has been helping to look after the canteen at home since elementary school. At the age of 17, Yue Lihua borrowed money in the name of his parents, opened a wholesale department in the town, and became an upstream wholesaler.</p><p>In 2001, Yue Lihua wanted to do something bigger, so he simply opened a supermarket. At that time, China's retail format was still dominated by canteens. He positioned Xingsheng Supermarket as a community supermarket, with two modes: direct sales and franchise, and only operated small supermarkets.</p><p>There are also detours in the middle. \"At that time, the smallest store scale of our store was more than 100 square meters, and the largest store was more than 800 square meters. However, in the process of operation, I deeply felt that my energy was insufficient, and it was difficult for management to keep up. A series of problems followed, and it was difficult to control if it continued to develop.\" Yue Lihua later recalled.</p><p>\"I began to reflect, in terms of funds, strength, managers, and experience, we can't compete with<a href=\"https://laohu8.com/S/WMT\">Walmart</a>Compared with large supermarkets such as Xinyijia. However, I found that although the products of big supermarkets are complete, it is inconvenient to go there, and the convenience supermarkets located in the community have become the first choice of citizens. Small-scale operations are easy to control and manage. I predict that the future will definitely be a two-level market, either bigger or smaller. In this case, I might as well be smaller. \" Subsequently, Yue Lihua closed shops of more than 100 square meters, focusing on small shops of 30-80 square meters.</p><p>In 2003, e-commerce sprouted, Dangdang, Zhuoyue, Ali,<a href=\"https://laohu8.com/S/JD\">JD.com</a>At that time, he became a rookie in the Internet Jianghu, and nearly 80 million Chinese netizens contributed hot traffic.</p><p>Around 2010, with the rise of mobile Internet and the improvement of basic payment, logistics, data and other infrastructure, e-commerce giants have made great strides all the way, and newcomers are also full of ambition.</p><p>At this time, Yue Lihua's Furong is preferred to grow into one of the convenience store brands with the highest coverage rate in Changsha, Hunan Province, and signs with red background and white characters can be seen everywhere in the streets and alleys.</p><p>As a traditional retail practitioner, Yue Lihua really felt the impact of the Internet tide on the traditional retail industry: on the one hand, Furong's prosperous business began to be affected. For example, the number of franchises in the past had a relatively good increase, but this growth actually lagged behind under the coercion of e-commerce; On the other hand, with the decrease of income, the willingness of convenience store owners to join is decreasing.</p><p>Yue Lihua judged that 70% of orders will come online in the future, which means that the traditional community convenience store model can only get 30% of the business volume. \"At that time, the situation was very dangerous, and it might even be eroded away,\" an insider of Xingshengyou recalled to \"Deep Web\".</p><p>The road to online transformation begins here.</p><p><b>Four years and four stages, running through \"pre-sale + self-pickup\"</b></p><p>In July, 2013, Yue Lihua began to incubate the e-commerce platform \"Xingsheng Optimal\". At the beginning of 2014, the preliminary team building and preparation work were ready, and Xingsheng Optimal officially started running.</p><p>Looking at it now, the \"pre-sale + self-pickup\" model has been verified to be feasible, and it has also become the mainstream model of most community group buying entrants. The four-level link of \"supplier-central warehouse-grid station-store-consumer\" is reused.</p><p>However, it took Xingsheng Optimal four years to go through the store self-distribution stage, the online warehouse stage and the distribution station stage. It was not until June 2017 that the \"pre-sale + self-pickup\" model was finally explored.</p><p>According to \"Shenwang\", the first stage is the self-delivery stage of the store. Xingsheng preferably makes an APP for the store, consumers place orders online, and the store owner delivers the goods to the door; The second stage is the net warehouse mode, which focuses on fresh fruit products. The company spent more than 20 million yuan to set up a distribution team; The third stage was the distribution station model, but it soon failed because there was no traffic and high operating costs, and the model could not be continuously amplified.</p><p>2016 is a difficult year in the development of prosperity and optimization. \"Shenwang\" learned from insiders of Xingsheng Preferred that in the second half of 2016, the business loss has reached tens of millions, and the profit of Furong Xingsheng, the main body of the company, is not high. In addition, the company is still preparing for IPO, and a series of factors are mixed together, which leads to the board of directors' strong opposition to continuing to invest in Xingsheng Preferred. As a result, the team of more than 300 people had to be disbanded, leaving only the founders Zhou Yingjie and Liu Huiyu and the technical team.</p><p>Even so, Yue Lihua, Zhou Yingjie and Liu Huiyu still insisted that \"online + offline\" was the future direction, but they didn't find a suitable business model at that time.</p><p>The original intention of establishing Xingsheng Optimal is to revive the store and further explore the future business model. During that time, Zhou Yingjie and Liu Huiyu spent a lot of time visiting stores to understand the needs of convenience store owners. \"These store owners generally don't have long-term plans. They only have two requirements for cooperation. One is to make money quickly, the other is to increase passenger flow, and the third is not to increase the investment in inventory, manpower and capital.\" The insider told Deep Web.</p><p>Finally, they put forward the \"pre-sale + self-pickup\" model, and began to test the effect in August 2016. Pre-selling goods that are not available in husband and wife retail stores will not compete with them, and self-pickup can help stores attract traffic. The main product is still fresh fruits, which are high-frequency just-needed products. By June 2017, the new model was replicated and implemented to 62 stores, and orders climbed from 2,000 orders per day to 20,000 orders.</p><p>However, Xingsheng Optimal does not directly carry out store expansion work, but is carried out by a third-party company, Shoude Company, which is responsible for promoting the Xingsheng Optimal platform nationwide, and providing training and owner relationship maintenance services for Xingsheng Optimal stores. According to Lujiu Finance and Economics, Xingsheng Optimal does not charge a franchise fee, but uses points to exchange rewards, and uses the number of shopkeepers and sales orders as the basis for rebates. This is similar to Pinduoduo's early development model.</p><p><img src=\"https://static.tigerbbs.com/7958f5b76b8d3658b2725449dc3799ed\" tg-width=\"1080\" tg-height=\"903\"><img src=\"https://static.tigerbbs.com/0dbe11b6ebc203cff63855631a1e8966\" tg-width=\"576\" tg-height=\"179\"></p><p><b>Strategic direction: reviving stores and empowering upstream</b></p><p>Within Xingsheng Optimization, Yue Lihua often mentions \"reviving stores\" and \"empowering upstream\", which are also designated as important strategic directions by Xingsheng Optimization.</p><p>\"The positioning of Xingsheng Optimal is pre-sale + self-pickup, which is different from traditional e-commerce. We rely on small stores in the community to do business, so why more and more stores follow Xingsheng Optimal is because this business model really helps them make money.\" Liu Huiyu said.</p><p>Wanguocheng Store is the first store selected by Xingsheng. Before it was connected to Xingsheng Optimal's business, this store was just an ordinary store downstairs in the community. Liu Huiyu said that Xingsheng Optimal can bring a monthly net income of about 20,000 yuan to this store. In addition, the pre-sale + self-pickup mode allows a large number of consumers to pick up goods in the store, thus also increasing the sales of the store itself. According to the data of Xingsheng Optimal, generally, the stores of Xingsheng Optimal will increase the business of other offline stores by 10%-20%.</p><p>\"Shenwang\" learned from the head of a prosperous preferred group in Changsha that the net income of the store was about 10,000 per month before, and the income after community group purchase could reach about 17,000-this logic is easy to understand. When users come to the store When they pick up, they naturally increase the frequency of their consumption in the store.</p><p>Townships and rural areas are an important part of Xingsheng's preferred business map. According to \"Shenwang\", every time a new market is opened up, Xingsheng's preferred style of play basically starts with provincial capital cities, then develops surrounding cities and county towns and finally penetrates into towns and rural areas.</p><p>\"Doing business is the same as fighting, and you have to pay attention to flexibility. In Hunan, I started from a small town; Outside the province, you must first choose the provincial capital city, stabilize the central market, and then develop to the county-level city through the radiation of the provincial capital city. If you can gain a foothold and have influence in the provincial capital city, it will be relatively easy to develop downward. In fact, this set of \"rural-urban-rural\" development ideas was learned from Chairman Mao. \" Yue Lihua once explained this.</p><p>At present, Xingsheng Optimal has entered 13 provinces and cities, 166 prefecture-level cities, 1,052 county-level cities, 4,904 townships and 37,151 villages. An industry insider analyzed \"Shenwang\" that the penetration rate of community group buying is currently less than 5%. At present, giants usually enter provincial capital cities first, followed by prefecture-level cities, and then sinking counties and rural areas in the short term. It is not easy to penetrate, which is the advantage of Xingsheng Optimal.</p><p>At present, Xingsheng Optimal has established its own supply chain system. Suppliers distribute goods to the central warehouse, and then downward to grid stations and stores. According to \"Shenzhen Web\", among the 23,000 employees of Xingshengyou, there are more than 21,000 logistics and distribution employees.</p><p><b>The war escalates, capital makes a comeback</b></p><p>In the growth process of Xingsheng Preferred, 2018 is the most difficult year to endure.</p><p>At that time, the community group buying industry exploded, with more than 2 billion funds pouring in in just three months at its peak. \"Although the cost ratio is declining, it has been losing money because the scale has been expanding, and the lack of money is very painful.\" An insider of Xingsheng Preferred told \"Shenzhen Net\" that it was not until September 2018 that it received the A round led by Today's Capital. Financing eased the financial pressure and allowed the business to continue.</p><p>After a lapse of two years, capital is gearing up to enter the market again. There are many giants on the community group buying track, and the cruelty may be no less than the group buying war and food delivery war of that year.</p><p>The new goal set by Yue Lihua's team is \"user experience, risking one's life and running wildly\". They believe that \"consumers are not taken away by anyone, but whether they can take the initiative to stay. After all, subsidies will not last forever, and not all goods can be low-priced. On this basis, it depends on whether goods can be delivered on time and stably, and logistics is the key indicator.\"</p><p>An insider close to Xingsheng Preferred told \"Shenzhen Web\" that even when giants such as Pinduoduo, Meituan, and Didi enter the market, Xingsheng Preferred still keeps at least 10,000 to 15,000 stores online every week, with average daily orders maintaining between 9 million and 10 million, and double 11 orders reaching 12 million. The person said that it is predicted that the total number of stores will exceed 500,000 by the end of 2020.</p><p>It is reported that in the next step, Xingsheng Optimal will focus on the more economically developed Yangtze River Delta region, and the recruitment of suppliers in Jiangsu has already started in the early stage, and it is expected that operations in Jiangsu, Anhui and Zhejiang will be started before the Spring Festival.</p><p>At present, an escalation war has started.</p>\n<div class=\"bt-text\">\n\n\n<p> source：<a href=\"https://mp.weixin.qq.com/s/HdsJAX7kdMPO0AG0t9TtYQ\">深网腾讯新闻  </a></p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/dabb237f54e91e1896c375326233c4c3","relate_stocks":{"BABA":"阿里巴巴","03690":"美团-W","PDD":"拼多多"},"source_url":"https://mp.weixin.qq.com/s/HdsJAX7kdMPO0AG0t9TtYQ","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1190191899","content_text":"时隔数年，社区团购战火被再次点燃，不同的是，这场战争从创业公司角逐升级为巨头之间的竞争，在上一轮行业洗牌中跑出的兴盛优选，如今又与阿里、美团、拼多多、滴滴站在了同一赛道。\n1990年，年仅17岁的岳立华在乡镇开批发部的时候没有想到，30年之后，由小本生意一步步孵化而来的兴盛优选已成为中国社区团购行业的头部梯队成员。\n2020年疫情是社区团购新的催化剂。《深网》了解到，今年2月底，兴盛优选门店的开业率恢复到疫情前状态；一季度交易额同比增长5倍，新增用户同比增长4倍。\n这是一块渗透率仅为5%、尚未被完全开垦的处女地，尤其在那些拥有庞大消费者基数的低线城市和乡镇。艾媒咨询数据显示，2020年社区团购市场规模预计达到720亿元，同比增幅112%；2022年中社区团购规模预计超过1020亿元。\n巨大的市场空间和增长潜力引来巨头关注。时隔数年，社区团购战火被再次点燃，不同的是，这场战争从创业公司角逐升级为巨头之间的竞争，在上一轮行业洗牌中跑出的兴盛优选，如今又与阿里、美团、拼多多、滴滴站在了同一赛道。\n据《深网》了解，兴盛优选已普遍被新进入者当作考察范本，员工成为被挖角对象；而从业务开展区域来看，其大本营湖南也成为这场新战役的重要战场，滴滴美团等巨头在这里展开新的对决。\n资本像一个巨型沙漏，它可以助推一个行业走上快轨，同时也可以加速淘汰弱者留下赢家。\n实际上，从倒闭潮到抱团合并，社区团购行业在过去短短两年已经经历过一轮洗牌。据不完全统计，过去一年共有超过20家生鲜电商倒闭：去年5月，盒马鲜生关闭了自己的第一家门店；10月底，成立两年的水果会员平台“迷你生鲜”宣布，因经营不善、长期亏损暂停运营；11月底，社区生鲜电商平台“妙生活”宣布门店关闭、破产清算；主要业务为社区团购、自提的呆萝卜也被爆出经营危机，并关闭杭州中心；曾经以水果等品类起家的明星公司淘集集也在年底陷入破产清算阶段。就在近日，中国最早的生鲜电商之一易果生鲜进入破产重组。\n社区团购并不是看起来的那样简单、由物流连接B端到C端的生意，其中还涉及到很多复杂环节，比如库存、损耗、冷链等等。中国电子商务研究中心的一份数据显示，生鲜电商4000多家入局者中，4%持平，88%亏损，且剩下的7%是巨额亏损，最终只有1%实现了盈利。\n这个行业曾经经历开店越多越快，烧钱的速度就越快，亏损就越多的恶性循环。如今，小玩家已经被清洗出局，接下来将是跑出的头部玩家与巨头之间的竞逐。\n电商冲击与孵化兴盛优选\n今年5月20日，兴盛优选搬进了湖南长沙新的总部大楼里。也是在这里，岳立华用30年时间，把生意从最早的小卖部批发商扩展到后来的连锁超市芙蓉兴盛和社区电商兴盛优选。\n可以说，芙蓉兴盛和兴盛优选的出现分别踩在中国零售行业发展两次重要的转折节点上。\n与我们通常见到的互联网创业者有些许差异，兴盛优选董事长、芙蓉兴盛创始人岳立华算是个典型的传统行业创业者。\n低调且对数字敏感，“将成本上升到战略高度，而并非一个运营数字”，一位与他共事过的人士对《深网》作出如此评价。\n岳立华出生在湖南益阳南县，从小学起就开始帮忙照看家里的小卖部。17岁那年，岳立华以父母的名义贷款，在镇上开了家批发部，做起了上游批发商。\n2001年，岳立华想干的大一点，于是干脆开起了超市。那时中国零售业态还是以小卖部为主，他将兴盛超市定位为社区超市，有直营和特许加盟两种模式，并且只经营小超市。\n中间也走过弯路。“当时，我们店面规模最小的是100多平方米，最大的有800多平方米。但在经营过程中，我深感精力不足，管理很难跟上去，一系列问题接踵而来，如果继续发展下去难掌控。”岳立华后来回忆。\n“我开始反思，论资金、论实力、论管理人员、论经验，我们都没法与沃尔玛、新一佳等大型超市相比。但我发现，虽然大超市产品齐全，要去一趟却很不方便，而位于社区的便利超市反而成了市民的首选。小规模经营，好控制、好管理，我预计未来必定是两级分化的市场，要么做大，要么做小，既然这样，我不如做小。”随后岳立华关闭了100平米以上的店铺，专注于30-80平米的小店。\n2003年，电商萌芽出现，当当、卓越、阿里、京东成为那时候互联网江湖新秀，近8000万中国网民贡献着炙热的流量。\n2010年前后伴随着移动互联网的兴起以及基础支付、物流、数据等基础设施的完善，电商巨头们一路高歌猛进，新进者也是踌躇满志。\n这时，岳立华的芙蓉优选长成湖南长沙覆盖率最高的便利店品牌之一，红底白字的招牌在大街小巷随处可见。\n作为传统零售从业者，岳立华确确实实感知到互联网大潮对传统零售行业的冲击：一方面，芙蓉兴盛的业务开始受到影响，比如以往的加盟数量都有比较好的增幅，但在电商的裹挟下这种增长竟然发生滞后；另一方面，在收入减少的情况下，便利店老板的加盟意愿在降低。\n岳立华判断，未来将有70%的订单来自于线上，这样就意味着传统社区便利店模式只能拿到30%的业务量。“那时状况非常危险，甚至可能会被蚕食掉”，一位兴盛优选内部人士对《深网》回忆。\n向线上的转型之路便由此展开。\n四年四个阶段，跑通“预售+自提”\n2013年7月，岳立华开始着手孵化电商平台“兴盛优选”，2014年初，前期团队搭建和准备工作就绪，兴盛优选正式跑起来。\n现在来看，“预售+自提”的模式被验证是可行的，也成为目前多数社区团购入局者的主流模式，“供应商——中心仓——网格站——门店——消费者”的四级链路被复用。\n不过，兴盛优选花了四年时间，经历门店自配送阶段、网仓阶段、配送站阶段，直到2017年6月才最终摸索出“预售+自提”模式。\n据《深网》了解，第一阶段是门店自配送阶段，兴盛优选为门店做APP，消费者网上下单，门店老板送货上门；第二阶段是网仓模式，以生鲜水果产品为主，公司花了2000多万组建了配送团队；第三阶段是配送站模式，但很快就因为没有流量和运营成本高企，模式无法持续放大而失败了。\n2016年是兴盛优选发展中难熬的一年。《深网》从兴盛优选内部人士了解，2016年下半年业务亏损已达数千万，公司主体芙蓉兴盛利润本身就不算高，再加上公司还在准备IPO，系列因素夹杂在一起导致董事会强烈反对继续对兴盛优选投入。于是，300多人的团队不得不解散，最后只剩下创始人周颖洁和刘辉宇以及技术团队。\n即便如此，岳立华、周颖洁、刘辉宇三人仍然坚持“线上+线下”才是未来方向，只不过当时没找到合适的商业模式。\n创立兴盛优选的初衷是为了复兴门店，为了进一步探索未来的商业模式。那段时间，周颖洁和刘辉宇二人花了很多时间去泡门店，去了解便利店老板们的需求。“这些店老板一般都没有长期规划，他们合作的要求只有两个，一是可以很快挣到钱，二是增加客流量，三是不要增加库存、人力、资金的投入。”这位内部人士对《深网》称。\n最后他们提出了“预售+自提”模式，并在2016年8月开始试验效果。预售卖夫妻零售店没有的商品，不会跟他们形成竞争，自提可以很好地帮助门店引流。主打的产品还是生鲜水果，这些是高频刚需品。到了2017年6月，新模式被复制推行到62家门店，订单从每天2000单攀升至20000单。\n不过，兴盛优选不直接开展门店拓展工作，而是由第三方公司首德公司来执行的，负责在全国范围内宣传推广兴盛优选平台，为兴盛优选门店提供培训和店主关系维护服务。据陆玖财经报道，兴盛优选没有收取加盟费，但却采用了积分兑换奖励，以发展店主数量和销售单量作为返利的依据。这点和拼多多早期发展模式有相似之处。\n\n战略方向：复兴门店和赋能上游\n在兴盛优选内部，岳立华经常提到“复兴门店”和“赋能上游”，这也被兴盛优选划定为重要战略方向。\n“兴盛优选的定位是预售+自提，跟传统电商有不一样的地方，我们是依托于社区的小店来做生意，所以为什么越来越多的门店来跟随兴盛优选，是因为这个商业模式真正帮助他们赚到了钱。”刘辉宇表示。\n万国城店是兴盛优选的第一家门店。在没有连入兴盛优选的业务以前，这家门店只是一家开在小区楼下的普通门店。刘辉宇称，兴盛优选能为这家店带来每月2万左右的净收入，另外加上预售+自提模式让大量消费者到店提货，从而也提升了店铺本身的销售。兴盛优选的数据显示，一般做兴盛优选的门店，对他线下门店的生意有10%-20%的增量。\n《深网》从长沙一家兴盛优选团长处了解到，此前店里净收入为每月1万左右，做社区团购后收入能达到1万7左右——这个逻辑很好理解，当用户到店自提时，自然而然就提高了他们在店内消费的频率。\n在兴盛优选的业务版图中，乡镇农村是重要组成部分。据《深网》了解到，每开拓一个新市场时，兴盛优选的打法基本都是从省会城市入手，然后开拓周边城市、县城最后渗透至乡镇和农村。\n“做生意跟打仗一样，也得讲究灵活度。在湖南，我是从小城镇起步;而在省外，就须先选择省会城市，扎稳中心市场，再通过省会城市辐射发展到地县级城市。能在省会城市立足了、有影响力了，往下发展就相对容易了。其实这套‘农村-城市-农村’的发展思路，是跟毛主席学的。”岳立华曾这样解释。\n目前兴盛优选已经进入了13个省市、166个地级市，1052个县市级、4904个乡镇和37151个村。一位行业人士对《深网》分析，社区团购的渗透率目前不到5%，就目前来看巨头首先进入的通常是省会城市，其次是地级市，再下沉的县城、农村短期内不好渗透，这是兴盛优选的优势所在。\n目前，兴盛优选建立了自己的一套供应链体系，供应商将商品配送至中心仓，再向下依次配送至从网格站和门店。据《深网》了解，兴盛优选23000名员工中，物流配送就超过21000人。\n战事升级，资本卷土重来\n兴盛优选的成长过程中，2018年是最难捱的一年。\n彼时社区团购行业大爆发，巅峰时期仅3个月就有超过20亿资金涌入。“虽然成本占比是在下降，但因为规模一直扩大因此也一直亏损，缺钱很痛苦。”兴盛优选内部人士对《深网》称，直到2018年9月拿到今日资本领投的A轮融资才缓解了资金压力，让业务得以继续推行下去。\n时隔两年，资本摩拳擦掌再次入场，社区团购赛道巨头林立，残酷程度或许不亚于当年的团购大战和外卖大战。\n岳立华给团队定下的新目标是“用户体验、舍命狂奔”。他们认为，“消费者不是被谁抢走的，而是看是不是能主动留下。毕竟补贴不会永久持续，也并非所有商品都能搞低价，在此基础上要看商品能否准时、稳定地送达，物流是关键指标。“\n一位接近兴盛优选的内部人士对《深网》称，目前即便是在拼多多、美团、滴滴等巨头入局的当下，兴盛优选依然保持每周至少1万到1万5千家门店上线，日均订单维持在900万到1000万之间，双11订单达到1200万单。这位人士称，预测2020年底门店总量将突破50万家。\n据悉，下一步，兴盛优选将重点布局经济更为发达的长三角地区，而前期在江苏的供应商招募已经启动，预计春节前会陆续启动江苏、安徽和浙江的运营。\n眼下，一场升级战事已经打响。","news_type":1,"symbols_score_info":{"BABA":0.9,"03690":0.9,"PDD":0.9}},"isVote":1,"tweetTyp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when you first post [compare heart] [compare heart] post, you can get more exposure by related stocks or related topics. If you want to create high-quality articles, please checkGuidelines for Tiger Community Creation","text":"Finally, when you first post [compare heart] [compare heart] post, you can get more exposure by related stocks or related topics. If you want to create high-quality articles, please checkGuidelines for Tiger Community Creation","html":"Finally, when you first post [compare heart] [compare heart] post, you can get more exposure by related stocks or related topics. If you want to create high-quality articles, please checkGuidelines for Tiger Community Creation"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":367434660,"gmtCreate":1614960649850,"gmtModify":1704777659174,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Yep, don’t give up on them stocks.&nbsp;Gotta trust the future, the&nbsp;vision, and stick to it&nbsp;","listText":"Yep, don’t give up on them stocks.&nbsp;Gotta trust the future, the&nbsp;vision, and stick to it&nbsp;","text":"Yep, don’t give up on them stocks. Gotta trust the future, the vision, and stick to it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/367434660","repostId":"1143578966","repostType":4,"isVote":1,"tweetType":1,"viewCount":2094,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":351648485,"gmtCreate":1616595075947,"gmtModify":1704796176989,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Way to gooooo","listText":"Way to gooooo","text":"Way to gooooo","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/351648485","repostId":"1184997321","repostType":4,"isVote":1,"tweetType":1,"viewCount":2420,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":351655599,"gmtCreate":1616594836411,"gmtModify":1704796166958,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"If we can UP the demand together&nbsp;we can DOWN the price&nbsp;xp&nbsp;","listText":"If we can UP the demand together&nbsp;we can DOWN the price&nbsp;xp&nbsp;","text":"If we can UP the demand together we can DOWN the price xp","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/351655599","repostId":"1163829159","repostType":4,"repost":{"id":"1163829159","kind":"news","pubTimestamp":1616591036,"share":"https://ttm.financial/m/news/1163829159?lang=en_US&edition=fundamental","pubTime":"2021-03-24 21:03","market":"us","language":"en","title":"Here's Why Beyond Meat Stock Could Shine Again in 2021","url":"https://stock-news.laohu8.com/highlight/detail?id=1163829159","media":"Motley Fool ","summary":"Consumer spending is normalizing, and the meat substitute leader could have much to gain from a reop","content":"<p>Consumer spending is normalizing, and the meat substitute leader could have much to gain from a reopening economy.</p>\n<p>Since its epic rise after its IPO in 2019, the stock for plant-based-protein pioneer&nbsp;<b>Beyond Meat</b>&nbsp;(NASDAQ:BYND)&nbsp;has been stuck in a sideways action. The company has been hit by a flood of new competition, a pandemic, and a steady stream of bearish calls lambasting the high-flying stock's valuation. In spite of all this, though, the company has managed to stay (just barely at times) in growth mode.</p>\n<p>As 2021 gets underway, the extended slumber for this next-gen food stock could be ready to reverse course. Here's why.</p>\n<p><b>This is one way for a stock to crash</b></p>\n<p>After the extreme optimism in the months following its IPO, Beyond Meat stock has been a roller coaster ride. It's dropped, it's made several attempts to run higher, but ultimately it has come back to the same station from which it started almost two years ago: a&nbsp;market cap&nbsp;just shy of $9 billion.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/855358a1d48d9d00410554baeff7ab31\" tg-width=\"2000\" tg-height=\"1333\"><span>IS IT A BEEF PATTY, OR A PLANT-BASED ONE? IT'S HARDER TO TELL THESE DAYS. IMAGE SOURCE: GETTY IMAGES.</span></p>\n<p>This kind of volatile sideways action is one way for a stock to \"crash.\" Since the irrational exuberance wore off in the summer of 2019, Beyond Meat stock is sitting at essentially a 0% return. Meanwhile, the&nbsp;<b>S&amp;P 500</b>&nbsp;is up 33%.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a11cfc35183cbcaac25c7c4b8e835253\" tg-width=\"720\" tg-height=\"435\"><span>DATA BY YCHARTS.</span></p>\n<p>As previously mentioned, though, Beyond Meat itself has continued to grow its business. Even in 2020, it weathered the COVID-19 storm and was able to maintain some positive traction disrupting the massive animal-based protein industry. Foodservice sales -- those made to restaurants -- took a sizable hit as consumers chose to eat at home during the pandemic, but retail sales via its grocery store distributors more than picked up the slack.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/193132417a321a9d268f89a8d55326ef\" tg-width=\"1149\" tg-height=\"420\"><span>DATA SOURCE: BEYOND MEAT. YOY = YEAR OVER YEAR.</span></p>\n<p>Granted, none of this means Beyond Meat shares are trading for some sort of bargain. At 22 times trailing-12-month sales and not reporting much in the way of meaningful profits yet (adjusted&nbsp;EBITDA&nbsp;was just $11.8 million in 2020 on total revenue of $407 million), suffice to say Beyond Meat is expected to return to rapid expansion in 2021 and, well, beyond.</p>\n<p>Powerful brand recognition in an otherwise commoditized marketplace</p>\n<p>I think there's a good chance the implied growth shareholders are expecting will transpire. With the economy reopening, consumers will start returning to restaurants. And restaurants themselves will start to normalize their supply chains, too. Simplified menus with fewer options -- an attempt to cut expenses -- hurt Beyond Meat as much as lower customer foot traffic did.</p>\n<p>But this is more than an economic reopening bet. Beyond Meat and its peer Impossible Foods are on a mission to reduce animal protein consumption and promote more economically friendly practices. The message continues to win over fans. Some fast followers among food supplier incumbents have benefited, too (like&nbsp;<b>Nestle</b>&nbsp;and itsSweet Earth subsidiary). But as competition mounts and pricing on plant-based protein products falls, Beyond Meat has done a pretty good job&nbsp;holding on to some profit margin. Increasing retail and foodservice distribution will help this cause over time now that it's built out its manufacturing capabilities. Given the multiple dynamics behind the plant-based protein movement, Beyond Meat is looking increasingly less like a fad (hard seltzer, anyone?) and more like a potential long-term trend.</p>\n<p>Here's another case in point: It's rare for restaurants to name their supplier in marketing campaigns. But there are exceptions. Think&nbsp;<b>Coca-Cola</b>&nbsp;products with fiercely loyal fans of its drinks,<b>PepsiCo</b>&nbsp;and its drinks and snack foods, or the \"Certified Angus Beef\" trademark. To pique diner interest, a restaurant might name drop a key food supplier if it has brand power. It's early in the game, but Beyond Meat is exhibiting this kind of consumer awareness and brand loyalty. When's the last time you saw a fast-food company tout carrying Sweet Earth burger patties? Beyond Meat, by contrast, often gets mentioned. And it continues to forge relationships within foodservice -- most recently&nbsp;inking new deals&nbsp;with&nbsp;two of world's largest chains,<b>McDonald's</b>&nbsp;and&nbsp;<b>Yum! Brands</b>.</p>\n<p>I'm not saying to go out and load up on Beyond Meat stock as the economy (and consumer spending) starts to normalize. A lot is riding on the plant-based food company returning to rapid growth, and with the effects of the pandemic still ongoing, those efforts could be derailed. However, if it does recapture some double-digit percentage expansion, 2021 could be the year Beyond Meat stock shines once more.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Here's Why Beyond Meat Stock Could Shine Again in 2021</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHere's Why Beyond Meat Stock Could Shine Again in 2021\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-03-24 21:03 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/03/24/why-beyond-meat-stock-could-shine-again-in-2021/><strong>Motley Fool </strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Consumer spending is normalizing, and the meat substitute leader could have much to gain from a reopening economy.\nSince its epic rise after its IPO in 2019, the stock for plant-based-protein pioneer ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/03/24/why-beyond-meat-stock-could-shine-again-in-2021/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BYND":"Beyond Meat, Inc."},"source_url":"https://www.fool.com/investing/2021/03/24/why-beyond-meat-stock-could-shine-again-in-2021/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1163829159","content_text":"Consumer spending is normalizing, and the meat substitute leader could have much to gain from a reopening economy.\nSince its epic rise after its IPO in 2019, the stock for plant-based-protein pioneer Beyond Meat (NASDAQ:BYND) has been stuck in a sideways action. The company has been hit by a flood of new competition, a pandemic, and a steady stream of bearish calls lambasting the high-flying stock's valuation. In spite of all this, though, the company has managed to stay (just barely at times) in growth mode.\nAs 2021 gets underway, the extended slumber for this next-gen food stock could be ready to reverse course. Here's why.\nThis is one way for a stock to crash\nAfter the extreme optimism in the months following its IPO, Beyond Meat stock has been a roller coaster ride. It's dropped, it's made several attempts to run higher, but ultimately it has come back to the same station from which it started almost two years ago: a market cap just shy of $9 billion.\nIS IT A BEEF PATTY, OR A PLANT-BASED ONE? IT'S HARDER TO TELL THESE DAYS. IMAGE SOURCE: GETTY IMAGES.\nThis kind of volatile sideways action is one way for a stock to \"crash.\" Since the irrational exuberance wore off in the summer of 2019, Beyond Meat stock is sitting at essentially a 0% return. Meanwhile, the S&P 500 is up 33%.\nDATA BY YCHARTS.\nAs previously mentioned, though, Beyond Meat itself has continued to grow its business. Even in 2020, it weathered the COVID-19 storm and was able to maintain some positive traction disrupting the massive animal-based protein industry. Foodservice sales -- those made to restaurants -- took a sizable hit as consumers chose to eat at home during the pandemic, but retail sales via its grocery store distributors more than picked up the slack.\nDATA SOURCE: BEYOND MEAT. YOY = YEAR OVER YEAR.\nGranted, none of this means Beyond Meat shares are trading for some sort of bargain. At 22 times trailing-12-month sales and not reporting much in the way of meaningful profits yet (adjusted EBITDA was just $11.8 million in 2020 on total revenue of $407 million), suffice to say Beyond Meat is expected to return to rapid expansion in 2021 and, well, beyond.\nPowerful brand recognition in an otherwise commoditized marketplace\nI think there's a good chance the implied growth shareholders are expecting will transpire. With the economy reopening, consumers will start returning to restaurants. And restaurants themselves will start to normalize their supply chains, too. Simplified menus with fewer options -- an attempt to cut expenses -- hurt Beyond Meat as much as lower customer foot traffic did.\nBut this is more than an economic reopening bet. Beyond Meat and its peer Impossible Foods are on a mission to reduce animal protein consumption and promote more economically friendly practices. The message continues to win over fans. Some fast followers among food supplier incumbents have benefited, too (like Nestle and itsSweet Earth subsidiary). But as competition mounts and pricing on plant-based protein products falls, Beyond Meat has done a pretty good job holding on to some profit margin. Increasing retail and foodservice distribution will help this cause over time now that it's built out its manufacturing capabilities. Given the multiple dynamics behind the plant-based protein movement, Beyond Meat is looking increasingly less like a fad (hard seltzer, anyone?) and more like a potential long-term trend.\nHere's another case in point: It's rare for restaurants to name their supplier in marketing campaigns. But there are exceptions. Think Coca-Cola products with fiercely loyal fans of its drinks,PepsiCo and its drinks and snack foods, or the \"Certified Angus Beef\" trademark. To pique diner interest, a restaurant might name drop a key food supplier if it has brand power. It's early in the game, but Beyond Meat is exhibiting this kind of consumer awareness and brand loyalty. When's the last time you saw a fast-food company tout carrying Sweet Earth burger patties? Beyond Meat, by contrast, often gets mentioned. And it continues to forge relationships within foodservice -- most recently inking new deals with two of world's largest chains,McDonald's and Yum! Brands.\nI'm not saying to go out and load up on Beyond Meat stock as the economy (and consumer spending) starts to normalize. A lot is riding on the plant-based food company returning to rapid growth, and with the effects of the pandemic still ongoing, those efforts could be derailed. However, if it does recapture some double-digit percentage expansion, 2021 could be the year Beyond Meat stock shines once more.","news_type":1,"symbols_score_info":{"BYND":0.9}},"isVote":1,"tweetType":1,"viewCount":2513,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":353566853,"gmtCreate":1616508235272,"gmtModify":1704795059183,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Like! Hahaha","listText":"Like! Hahaha","text":"Like! Hahaha","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/353566853","repostId":"2121481181","repostType":4,"isVote":1,"tweetType":1,"viewCount":2430,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":323089111,"gmtCreate":1615288921833,"gmtModify":1704780645316,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Contact lenses! ?","listText":"Contact lenses! ?","text":"Contact lenses! ?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/323089111","repostId":"1145363250","repostType":4,"repost":{"id":"1145363250","kind":"news","pubTimestamp":1615283882,"share":"https://ttm.financial/m/news/1145363250?lang=en_US&edition=fundamental","pubTime":"2021-03-09 17:58","market":"us","language":"en","title":"Apple Will Lead in AR, Analyst Says. Watch for Its Helmet, Glasses, and Contact Lenses.","url":"https://stock-news.laohu8.com/highlight/detail?id=1145363250","media":"Barrons","summary":"Over time,Apple has been a pioneer in the way humans work with computers. Although it isn’t always a","content":"<p>Over time,Apple&nbsp;has been a pioneer in the way humans work with computers. Although it isn’t always at the head of the innovation curve, no company has had a more dramatic impact on the way humans and machines interact.</p>\n<p>As TFI Asset Management analyst Ming-Chi Kuo pointed out in a research note released over the weekend, Apple popularized themouseandgraphical user interfacefor computers,the iPod click wheel,andmulti-touchfunctionality for the iPhone and iPad. And he says Apple can lead the way in the next leap in computing interfaces:mixed and augmented reality.</p>\n<p>“We believe that MR/AR will be the next critical technology to define the innovative human-machine interface for electronic products,” Kuo wrote in the note. “We believe that MR/AR will provide innovative visual experiences and redefine human behavior in creating, processing, and receiving information, which is why Apple is highly committed to MR/AR. One of Apple’s advantages is defining the innovative human-machine interface, so we are taking a positive view of Apple’s future in MR/AR.”</p>\n<p>Kuo argued that in the long run, MR/AR interfaces will replace all display-equipped electronic products. Apple’s strategy will unfold in three stages, he predicted.</p>\n<p>He expects Apple to launch a helmet for virtual and augmented reality experiences by mid-2022. Kuo says the helmet will be equipped withSony-built Micro-OLED displaysand various optical modules to provide a “video see-through AR experience,” but with the ability to offer virtual-reality experiences as well.</p>\n<p>He thinks the price tag of the helmet will be similar to that of high-end iPhones, at about $1,000. Kuo expects the contract manufacturerPegatronto produce the helmets.</p>\n<p>“Although Apple has been focusing on AR, we think the hardware specifications of this product can provide an immersive experience that is significantly better than existing VR products,” he wrote. “We believe that Apple may highly integrate this helmet with video-related applications (like Apple TV+, Apple Arcade, etc.) as one of the key selling points.”</p>\n<p>Kuo said Apple’s second product in this category will be MR/AR glasses. He doesn’t think Apple has an existing prototype, and wrote that the glasses won’t reach the market before 2025, at the earliest. Kuo thinks the glasses will be more specifically intended for augmented reality applications. “We are looking forward to seeing the integration of glasses and Apple Car to provide an innovative user experience,” he said.</p>\n<p>Even farther out, in 2030 or later, he expects Apple to offer a contact-lens product with MR/AR capabilities. “This product will bring electronics from the era of “visible computing” to “invisible computing,” he said.</p>\n<p>Apple as a matter of policy doesn’t discuss unannounced products, and hasn’t addressed any of these potential devices.&nbsp;The stock was down 1.9%, to $119.18 on Monday morning.</p>","source":"lsy1601382232898","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Apple Will Lead in AR, Analyst Says. Watch for Its Helmet, Glasses, and Contact Lenses.</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nApple Will Lead in AR, Analyst Says. Watch for Its Helmet, Glasses, and Contact Lenses.\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-03-09 17:58 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.barrons.com/articles/apple-will-lead-in-ar-analyst-says-watch-for-its-helmet-glasses-and-contact-lenses-51615223178?mod=hp_DAY_4><strong>Barrons</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Over time,Apple has been a pioneer in the way humans work with computers. Although it isn’t always at the head of the innovation curve, no company has had a more dramatic impact on the way humans and ...</p>\n\n<a href=\"https://www.barrons.com/articles/apple-will-lead-in-ar-analyst-says-watch-for-its-helmet-glasses-and-contact-lenses-51615223178?mod=hp_DAY_4\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AAPL":"苹果"},"source_url":"https://www.barrons.com/articles/apple-will-lead-in-ar-analyst-says-watch-for-its-helmet-glasses-and-contact-lenses-51615223178?mod=hp_DAY_4","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1145363250","content_text":"Over time,Apple has been a pioneer in the way humans work with computers. Although it isn’t always at the head of the innovation curve, no company has had a more dramatic impact on the way humans and machines interact.\nAs TFI Asset Management analyst Ming-Chi Kuo pointed out in a research note released over the weekend, Apple popularized themouseandgraphical user interfacefor computers,the iPod click wheel,andmulti-touchfunctionality for the iPhone and iPad. And he says Apple can lead the way in the next leap in computing interfaces:mixed and augmented reality.\n“We believe that MR/AR will be the next critical technology to define the innovative human-machine interface for electronic products,” Kuo wrote in the note. “We believe that MR/AR will provide innovative visual experiences and redefine human behavior in creating, processing, and receiving information, which is why Apple is highly committed to MR/AR. One of Apple’s advantages is defining the innovative human-machine interface, so we are taking a positive view of Apple’s future in MR/AR.”\nKuo argued that in the long run, MR/AR interfaces will replace all display-equipped electronic products. Apple’s strategy will unfold in three stages, he predicted.\nHe expects Apple to launch a helmet for virtual and augmented reality experiences by mid-2022. Kuo says the helmet will be equipped withSony-built Micro-OLED displaysand various optical modules to provide a “video see-through AR experience,” but with the ability to offer virtual-reality experiences as well.\nHe thinks the price tag of the helmet will be similar to that of high-end iPhones, at about $1,000. Kuo expects the contract manufacturerPegatronto produce the helmets.\n“Although Apple has been focusing on AR, we think the hardware specifications of this product can provide an immersive experience that is significantly better than existing VR products,” he wrote. “We believe that Apple may highly integrate this helmet with video-related applications (like Apple TV+, Apple Arcade, etc.) as one of the key selling points.”\nKuo said Apple’s second product in this category will be MR/AR glasses. He doesn’t think Apple has an existing prototype, and wrote that the glasses won’t reach the market before 2025, at the earliest. Kuo thinks the glasses will be more specifically intended for augmented reality applications. “We are looking forward to seeing the integration of glasses and Apple Car to provide an innovative user experience,” he said.\nEven farther out, in 2030 or later, he expects Apple to offer a contact-lens product with MR/AR capabilities. “This product will bring electronics from the era of “visible computing” to “invisible computing,” he said.\nApple as a matter of policy doesn’t discuss unannounced products, and hasn’t addressed any of these potential devices. The stock was down 1.9%, to $119.18 on Monday morning.","news_type":1,"symbols_score_info":{"AAPL":0.9}},"isVote":1,"tweetType":1,"viewCount":2542,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":329784971,"gmtCreate":1615281187693,"gmtModify":1704780515859,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Hmmm. Actually the digits in our bank are already a&nbsp;digital currency for a long long time.. and that’s why decentralized crytocurrencies were born to help balance this danger","listText":"Hmmm. Actually the digits in our bank are already a&nbsp;digital currency for a long long time.. and that’s why decentralized crytocurrencies were born to help balance this danger","text":"Hmmm. Actually the digits in our bank are already a digital currency for a long long time.. and that’s why decentralized crytocurrencies were born to help balance this danger","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/329784971","repostId":"1159776381","repostType":4,"isVote":1,"tweetType":1,"viewCount":2177,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":367018014,"gmtCreate":1614886100838,"gmtModify":1704776598430,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Yep set a buy price lower but it’s definitely a good time!&nbsp;","listText":"Yep set a buy price lower but it’s definitely a good time!&nbsp;","text":"Yep set a buy price lower but it’s definitely a good time!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/367018014","repostId":"1109456421","repostType":4,"isVote":1,"tweetType":1,"viewCount":1835,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":387574379,"gmtCreate":1613764238091,"gmtModify":1704884811632,"author":{"id":"3557369036357276","authorId":"3557369036357276","name":"FionaC","avatar":"https://static.tigerbbs.com/8c560660bfbb07c5c4a1a43120d95c33","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3557369036357276","idStr":"3557369036357276"},"themes":[],"htmlText":"Woohoo","listText":"Woohoo","text":"Woohoo","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/387574379","repostId":"1151559124","repostType":4,"repost":{"id":"1151559124","kind":"news","pubTimestamp":1613719406,"share":"https://ttm.financial/m/news/1151559124?lang=en_US&edition=fundamental","pubTime":"2021-02-19 15:23","market":"us","language":"en","title":"Baidu picks CEO for electric car firm, expects launch in 3 years","url":"https://stock-news.laohu8.com/highlight/detail?id=1151559124","media":"Seeking Alpha","summary":"Baidu has selected the co-founder of bike-sharing start-up Mobike to be the CEO of its electric car ","content":"<p>Baidu&nbsp;has selected the co-founder of bike-sharing start-up Mobike to be the CEO of its electric car venture withChinese automaker Geely(OTCPK:GELYF)-<i>CNBC</i>.</p>\n<p>Xia Yiping, co-founder of Mobike, will be the CEO of the new entity, according to anonymous source.</p>\n<p>Xia previously worked at Fiat Chrysler and Ford before he co-founded Mobike, which was eventually acquired by Meituan in 2018.</p>\n<p>Last month, Baidu and Geelyjoined forces to create intelligent EV company.</p>\n<p>Baidu’s push into electric vehicles is an attempt to diversify its business beyond just advertising.</p>\n<p>Recently, Baidu reported anothersolid quarter in Q4, with Core revenue reaching RMB 23.1B ($3.5B), which is up 6% Y/Y and up 8% Q/Q, with latter much higher than flattish or low single-digit growth from Q3.</p>\n<p>Non-advertising revenue was up 52%, reaching 18% of Baidu core revenue, driven by the convergence of AI solutions, cloud services and consumer Internet.</p>\n<p>On the earnings call, Robin Li revealed that Baidu’s electric car firm hopes to launch its first vehicle within three years.</p>\n<p>\"Right now, the venture is progressing very well. We have a CEO on board, and we have decided on the brand of the new vehicle,\"said Li in Q4 earnings call.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Baidu picks CEO for electric car firm, expects launch in 3 years</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nBaidu picks CEO for electric car firm, expects launch in 3 years\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-02-19 15:23 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/news/3663807-baidu-picks-ceo-for-electric-car-firm-with-geely><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Baidu has selected the co-founder of bike-sharing start-up Mobike to be the CEO of its electric car venture withChinese automaker Geely(OTCPK:GELYF)-CNBC.\nXia Yiping, co-founder of Mobike, will be the...</p>\n\n<a href=\"https://seekingalpha.com/news/3663807-baidu-picks-ceo-for-electric-car-firm-with-geely\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BIDU":"百度"},"source_url":"https://seekingalpha.com/news/3663807-baidu-picks-ceo-for-electric-car-firm-with-geely","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1151559124","content_text":"Baidu has selected the co-founder of bike-sharing start-up Mobike to be the CEO of its electric car venture withChinese automaker Geely(OTCPK:GELYF)-CNBC.\nXia Yiping, co-founder of Mobike, will be the CEO of the new entity, according to anonymous source.\nXia previously worked at Fiat Chrysler and Ford before he co-founded Mobike, which was eventually acquired by Meituan in 2018.\nLast month, Baidu and Geelyjoined forces to create intelligent EV company.\nBaidu’s push into electric vehicles is an attempt to diversify its business beyond just advertising.\nRecently, Baidu reported anothersolid quarter in Q4, with Core revenue reaching RMB 23.1B ($3.5B), which is up 6% Y/Y and up 8% Q/Q, with latter much higher than flattish or low single-digit growth from Q3.\nNon-advertising revenue was up 52%, reaching 18% of Baidu core revenue, driven by the convergence of AI solutions, cloud services and consumer Internet.\nOn the earnings call, Robin Li revealed that Baidu’s electric car firm hopes to launch its first vehicle within three years.\n\"Right now, the venture is progressing very well. We have a CEO on board, and we have decided on the brand of the new vehicle,\"said Li in Q4 earnings call.","news_type":1,"symbols_score_info":{"BIDU":0.9}},"isVote":1,"tweetType":1,"viewCount":859,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}