Caution is increasing in global credit markets as investors question the long-term viability of massive AI investments and the general economic growth outlook.
Money managers are now starting to pull back from tech giants, who have sold about $121 billion in high-grade notes this year. On Monday, investors withdrew an unusually high 40% of orders from several corporate bond offerings, including a large Amazon sale, after final pricing was revealed. This attrition rate is significantly higher than the average 20%.
While credit market valuations remain near multi-decade highs, suggesting no panic, risk premiums across the board are climbing, and even the lowest-rated, highest-risk junk bond yields have risen to their highest since August.
The market is now keenly awaiting Nvidia’s quarterly results, which will be critical for justifying the current high valuations across the tech sector.
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🕴Companies Predict 2026 Will Be the Worst College Grad Job Market in Five Years 📉
If u think 2025 is bad , wait till 2026 🤡🤡🤡
The job market for the Class of 2026 is projected to be the most challenging since the beginning of the pandemic, with over half of surveyed employers rating the hiring outlook as poor or fair.
Employers now expect only a 1.6% increase in graduate hiring, a considerable reduction from the prior year’s projections, and they are prioritizing candidates with some experience over fresh college graduates.
This contraction means new graduates face intense competition, not only from each other but also from recently laid-off junior workers willing to take entry-level roles.
Full-time job postings have dropped over 16% year-over-year, while the average number of applications per job has risen by 26%.
If u think 2025 is bad , wait till 2026 🤡🤡🤡
The job market for the Class of 2026 is projected to be the most challenging since the beginning of the pandemic, with over half of surveyed employers rating the hiring outlook as poor or fair.
Employers now expect only a 1.6% increase in graduate hiring, a considerable reduction from the prior year’s projections, and they are prioritizing candidates with some experience over fresh college graduates.
This contraction means new graduates face intense competition, not only from each other but also from recently laid-off junior workers willing to take entry-level roles.
Full-time job postings have dropped over 16% year-over-year, while the average number of applications per job has risen by 26%.
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MicroStrategy, $MSTR, is now down -40% over the last month and -68% from its a record high.
They now hold 649,870 Bitcoin at an average price of $74,433.
In other words, if Bitcoin falls another 15%, MicroStrategy's position will turn red.
Can Saylor keep buying?
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BITCOIN DROPS BELOW $82,000 FOR THE FIRST TIME IN SEVEN MONTHS
ETH DROPS BELOW $2,700 FOR THE FIRST TIME IN ALMOST FIVE MONTHS
CRYPTO MARKET DROPS TO $2.5T; ALTCOIN MARKET CAP DROPS BELOW $900B: INFINITYHEDGE
What a fire sale 🔥🔥
ETH DROPS BELOW $2,700 FOR THE FIRST TIME IN ALMOST FIVE MONTHS
CRYPTO MARKET DROPS TO $2.5T; ALTCOIN MARKET CAP DROPS BELOW $900B: INFINITYHEDGE
What a fire sale 🔥🔥
Nvidia announced impressive Q3 results and a bullish forecast, predicting sales of approximately $65 billion in the January quarter, about $3 billion more than analysts expected.
CFO Colette Kress also indicated that the company would likely exceed its previous projection of $500 billion in revenue over the coming quarters.
In the third quarter, revenue increased 62% to $57 billion, driven by its main data center unit, which reported $51.2 billion in sales. Despite these stellar numbers, which initially boosted AI stocks, the market remains divided, with growing concerns about the sustainability of AI spending and the potential for a bubble
The skepticism stems from several factors, including the astronomical capital expenditure (capex) required to fuel the AI race and the returns associated with this spending. Major customers, including Microsoft and Amazon, are projected to increase their combined capex by 34% to $440 billion over the next year.
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As a result of the skepticism, even after Nvidia’s strong report, its stock, along with others like AMD and Arm, plunged, with an index of chip-related stocks posting its worst month since 2022.
Ultimately, the market’s focus has shifted from whether AI spending is happening to when, and if, this massive investment will translate into sustained profitability for the companies providing AI services.
Investors are getting spooked by the selloffs in big spenders like Meta (down 21% since October earnings) and Oracle (on track for its biggest monthly drop since 2001), as these companies need to borrow heavily to compete.
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🇺🇸 Fed Faces Deep Division on December Rate Cut ✂️
Minutes from the FOMC October meeting revealed deep divisions among policymakers regarding the path for interest rates, with many participants suggesting it would be appropriate to keep rates flat for the remainder of 2025. However, “several participants” believed another cut “could well be appropriate in December.”
Fed Minutes, are the detailed, official record of the FOMC meeting that took place about three weeks earlier. They provide an in-depth summary of the discussions, economic projections, and disagreements among the policymakers.
The committee is currently grappling with whether unemployment or stubborn inflation poses the greater threat to the US economy. The deliberation is further complicated by the lack of up-to-date economic data, as the federal government shutdown has delayed the release of the October and November employment reports until after the Fed’s December 10 meeting.
Additionally, the minutes noted that officials were concerned about “stretched asset valuations” in financial markets, pointing specifically to the risk of a “disorderly fall in equity prices” stemming from an abrupt reassessment of AI-related technology prospects.
Minutes from the FOMC October meeting revealed deep divisions among policymakers regarding the path for interest rates, with many participants suggesting it would be appropriate to keep rates flat for the remainder of 2025. However, “several participants” believed another cut “could well be appropriate in December.”
Fed Minutes, are the detailed, official record of the FOMC meeting that took place about three weeks earlier. They provide an in-depth summary of the discussions, economic projections, and disagreements among the policymakers.
The committee is currently grappling with whether unemployment or stubborn inflation poses the greater threat to the US economy. The deliberation is further complicated by the lack of up-to-date economic data, as the federal government shutdown has delayed the release of the October and November employment reports until after the Fed’s December 10 meeting.
Additionally, the minutes noted that officials were concerned about “stretched asset valuations” in financial markets, pointing specifically to the risk of a “disorderly fall in equity prices” stemming from an abrupt reassessment of AI-related technology prospects.
The US job market is experiencing a significant slowdown in white-collar hiring, leading to a record share of unemployment among those with four-year degrees.
In September, the unemployment rate for bachelor’s degree-holders climbed to 2.8%, a substantial half-percentage point increase from the previous year. This means that more than 1.9 million college-educated Americans are unemployed, comprising a record 25% of the total jobless population, a ratio never before reached in data going back to 1992.
This sharp reversal is being fueled by widespread layoffs across major corporations, with September seeing the highest number of job-cut announcements for that month in over 20 years, driven by companies explicitly citing plans to replace positions with AI.
Job growth in 2025 has been entirely reliant on just two sectors, health care and leisure/hospitality, while overall national employment (excluding those two fields) has actually fallen.
Singapore says: "same" 🤡
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Especially important for our ageing relatives
IMPORTANT: Changes to Integrated Shield Plan Riders (MOH Announcement, effective Apr 2026)
https://cna.asia/4rBgIXE
1. Key Changes
New riders from 1 Apr 2026 will not cover the deductible (up to $3,500).
5% Co-payment cap increases from $3,000 to $6,000 per policy year.
New riders expected to be about 30% cheaper.
2. Who Is Affected
New riders bought on/after 1 Apr 2026 follow the new rules.
Riders bought before 27 Nov 2025: no immediate change. But in my opinion, it’ll change eventually to the new rules
Riders bought between 27 Nov 2025 and 31 Mar 2026: will move to new rules from the first renewal after 1 Apr 2028.
3. Why This Is Happening
To control rising healthcare costs and premiums.
Median Private hospital bills rose from $9,100 (2019) to $15,700 (2024).
Insurers have experienced losses due to high claims.
Redesign encourages more responsible utilisation and keeps plans sustainable.
FAQ
Q: Does this affect my current rider?
A: If bought before 27 Nov 2025, there is no immediate change. Any revision will come with 31 days’ notice.
Q: Can I still buy the current rider?
A: Yes, until 31 Mar 2026. But riders bought after 27 Nov 2025 will be migrated to the new rules from your first renewal after 1 Apr 2028.
Q: Will premiums drop?
A: New riders are expected to be about 30% cheaper due to reduced benefits.
Q: What should I do now?
A: So now’s the time to review:
• your hospital class,
• whether you need a rider, and
• if you want to lock in current rider benefits before March 2026.
- find ways to generate more income to cope with the higher out of pocket expenses
Let me know if you have any questions! Always here for you!
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CNA
New Integrated Shield Plan riders to have higher co-payment cap from April 2026
As part of efforts to rein in rising healthcare costs, new riders will no longer cover minimum deductibles and must set a higher minimum co-payment cap of S$6,000 a year.
📊 November Market Update – AI Volatility, Japan’s Big Stimulus, China’s Property Woes 🌏
🤖 AI Stocks – Sentiment Turns Cautious
Despite Nvidia delivering another set of strong earnings, global markets pulled back as investors grew wary of frothy valuations in AI-focused names.
Is the AI boom cooling… or just catching its breath? 👀
🇯🇵 Japan – JPY 21.3 Trillion Stimulus Unveiled
With the Yen weakening, will this big spending spark momentum or raise more fiscal concerns? 💴
🇨🇳 China – Stocks Slide Amid Property Market Stress
Mainland and Hong Kong markets mirrored the US downturn, with risk appetite hit by concerns over inflated AI valuations. Can policy rescue the sector in time? 🏠
Disclaimer: The information provided above is for general purposes only and does not constitute financial advice. Although we have made efforts to verify the source, we cannot guarantee its accuracy, completeness, or suitability for your specific financial needs. For more details, please refer to the original source.
🤖 AI Stocks – Sentiment Turns Cautious
Despite Nvidia delivering another set of strong earnings, global markets pulled back as investors grew wary of frothy valuations in AI-focused names.
Is the AI boom cooling… or just catching its breath? 👀
🇯🇵 Japan – JPY 21.3 Trillion Stimulus Unveiled
With the Yen weakening, will this big spending spark momentum or raise more fiscal concerns? 💴
🇨🇳 China – Stocks Slide Amid Property Market Stress
Mainland and Hong Kong markets mirrored the US downturn, with risk appetite hit by concerns over inflated AI valuations. Can policy rescue the sector in time? 🏠
Disclaimer: The information provided above is for general purposes only and does not constitute financial advice. Although we have made efforts to verify the source, we cannot guarantee its accuracy, completeness, or suitability for your specific financial needs. For more details, please refer to the original source.
MicroStrategy's market cap is now worth $10 billion LESS than their Bitcoin holdings.
MicroStrategy, $MSTR, is down -12% today and -57% since October 6th.
This puts the company's market cap at $45 billion.
Meanwhile, MicroStrategy holds 650,000 Bitcoin worth $55 billion.
In other words, MicroStrategy's market cap is now trading $10 billion BELOW the value of their Bitcoin holdings.
Even if you subtract MicroStrategy's current debt pile of $8.2 billion from their current Bitcoin holdings, they still hold $46.8 billion worth of Bitcoin on a NET basis.
MicroStrategy's NET Bitcoin holdings are still $1.8 billion ABOVE their current market cap, not including any cash on their balance sheet.
Can Saylor keep buying? 👀
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🛍 Happy post–Cyber Monday!
Hope you guys managed to snag some good deals… and didn’t blow your budgets 😆
Here’s a quick wrap-up on how Cyber Monday played out (from Bloomberg)
📉 US Cyber Monday lagged Europe
• Global online spending (mostly Europe) grew 5.3% YoY, but the US only +2.6%.
• Usually the US leads holiday spending growth - this year, it flipped.
🇪🇺 Europe is outperforming
• ECB’s aggressive rate cuts boosted EU consumer sentiment.
• After a soft 2024, shoppers in the UK, Germany, France bounced back strongly.
🇺🇸 US consumers are cautious
• Trump tariffs, higher prices and supply chain effects are weighing on shoppers.
• Govt shutdown + weaker labour market = lower confidence.
• Adobe still expects CM US sales to hit US$9.1B, but momentum is softer.
🎮 Gaming deals were weak
• Sony, Nintendo, Microsoft warned of price hikes.
• Older consoles even selling at full price - which is rare for Cyber Monday.
💡 What does this mean - and why should you care?
1️⃣ US consumer weakness is showing
The US consumer drives ~70% of US GDP. Slower CM growth signals cooling demand, which affects global markets.
2️⃣ Markets will price this in
Softer US spending increases odds of:
• Slower US growth in early 2026
• More Fed rate cuts (maybe)
• Retail/tech volatility
If you invest globally, this shifts the macro backdrop.
3️⃣ Europe might be the surprise outperformer
ECB easing is working → EU consumer sector could see earnings upside.
Potential rotation into European equities if the trend holds.
4️⃣ Prices will stay sticky
Tariffs and supply-chain effects flow through slowly.
Weak console discounts hint that inflation pressures aren’t gone.
5️⃣ Good reminder to stay disciplined
If the world’s largest consumer economy is tightening up, it’s a sign for us too - stick to budgets and be intentional with spending + investments.
Hope you guys managed to snag some good deals… and didn’t blow your budgets 😆
Here’s a quick wrap-up on how Cyber Monday played out (from Bloomberg)
📉 US Cyber Monday lagged Europe
• Global online spending (mostly Europe) grew 5.3% YoY, but the US only +2.6%.
• Usually the US leads holiday spending growth - this year, it flipped.
🇪🇺 Europe is outperforming
• ECB’s aggressive rate cuts boosted EU consumer sentiment.
• After a soft 2024, shoppers in the UK, Germany, France bounced back strongly.
🇺🇸 US consumers are cautious
• Trump tariffs, higher prices and supply chain effects are weighing on shoppers.
• Govt shutdown + weaker labour market = lower confidence.
• Adobe still expects CM US sales to hit US$9.1B, but momentum is softer.
🎮 Gaming deals were weak
• Sony, Nintendo, Microsoft warned of price hikes.
• Older consoles even selling at full price - which is rare for Cyber Monday.
💡 What does this mean - and why should you care?
1️⃣ US consumer weakness is showing
The US consumer drives ~70% of US GDP. Slower CM growth signals cooling demand, which affects global markets.
2️⃣ Markets will price this in
Softer US spending increases odds of:
• Slower US growth in early 2026
• More Fed rate cuts (maybe)
• Retail/tech volatility
If you invest globally, this shifts the macro backdrop.
3️⃣ Europe might be the surprise outperformer
ECB easing is working → EU consumer sector could see earnings upside.
Potential rotation into European equities if the trend holds.
4️⃣ Prices will stay sticky
Tariffs and supply-chain effects flow through slowly.
Weak console discounts hint that inflation pressures aren’t gone.
5️⃣ Good reminder to stay disciplined
If the world’s largest consumer economy is tightening up, it’s a sign for us too - stick to budgets and be intentional with spending + investments.
Bitcoin has now added +$200 BILLION in market cap in 36 hours.
Blink and we're back LOL
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