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Mom of 2

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2022-02-02

$Crocs(CROX)$rocket to the moon!!

2022-01-23

Good!

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2022-01-23

Give me a like..!

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2022-01-22

Time to buy?

U.S. Stocks Continued to Decline, and Big Tech Stocks Slid<blockquote>美股继续下跌，大型科技股下滑</blockquote>

2022-01-22

Rocket to the sky pls!

Want $1 Million? 2 Monster Growth Stocks to Buy Now and Hold for the Next Decade<blockquote>想要100万美元？2只值得立即购买并在未来十年持有的巨型成长型股票</blockquote>

2022-01-20

Good to buy XLP!

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2022-01-18

Rocket to the sky!

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2022-01-18

👍

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buy?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/630600329","repostId":"1194174623","repostType":4,"repost":{"id":"1194174623","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":1642778869,"share":"https://www.laohu8.com/m/news/1194174623?lang=zh_CN&edition=full","pubTime":"2022-01-21 23:27","market":"us","language":"en","title":"U.S. Stocks Continued to Decline, and Big Tech Stocks Slid<blockquote>美股继续下跌，大型科技股下滑</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1194174623","media":"Tiger Newspress","summary":"U.S. stocks continued to decline in morning trading Friday.Nasdaq and S&P 500 both fell more than 1%","content":"<p><html><head></head><body>U.S. stocks continued to decline in morning trading Friday.Nasdaq and S&amp;P 500 both fell more than 1%, and big tech stocks slid.</p><p><blockquote><html><head></head><body>周五早盘美股继续下跌，纳斯达克指数和标普500均跌超1%，大型科技股下跌。</body></html></blockquote></p><p><img src=\"https://static.tigerbbs.com/a059ed8abc30eb3cb0d58887839bba65\" tg-width=\"421\" tg-height=\"483\" referrerpolicy=\"no-referrer\"/></p><p><blockquote></blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></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>U.S. Stocks Continued to Decline, and Big Tech Stocks Slid<blockquote>美股继续下跌，大型科技股下滑</blockquote></title>\n<style 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#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\">\nU.S. Stocks Continued to Decline, and Big Tech Stocks Slid<blockquote>美股继续下跌，大型科技股下滑</blockquote>\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\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 smaller\">2022-01-21 23:27</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p><html><head></head><body>U.S. stocks continued to decline in morning trading Friday.Nasdaq and S&amp;P 500 both fell more than 1%, and big tech stocks slid.</p><p><blockquote><html><head></head><body>周五早盘美股继续下跌，纳斯达克指数和标普500均跌超1%，大型科技股下跌。</body></html></blockquote></p><p><img src=\"https://static.tigerbbs.com/a059ed8abc30eb3cb0d58887839bba65\" tg-width=\"421\" tg-height=\"483\" referrerpolicy=\"no-referrer\"/></p><p><blockquote></blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/f25970ebf4293eec7586423288711d3f","relate_stocks":{"FB":"ProShares S&P 500 Dynamic Buffer ETF","MSFT":"微软",".SPX":"S&P 500 Index",".DJI":"道琼斯","AMZN":"亚马逊","TSLA":"特斯拉","NFLX":"奈飞",".IXIC":"NASDAQ 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pls!","listText":"Rocket to the sky pls!","text":"Rocket to the sky pls!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/630600970","repostId":"1171199849","repostType":4,"repost":{"id":"1171199849","kind":"news","pubTimestamp":1642753679,"share":"https://www.laohu8.com/m/news/1171199849?lang=zh_CN&edition=full","pubTime":"2022-01-21 16:27","market":"us","language":"en","title":"Want $1 Million? 2 Monster Growth Stocks to Buy Now and Hold for the Next Decade<blockquote>想要100万美元？2只值得立即购买并在未来十年持有的巨型成长型股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1171199849","media":"Motley Fool","summary":"$250,000 invested in these high-growth companies could be worth $1 million in 10 years.","content":"<p><html><head></head><body><b>Key Points</b></p><p><blockquote><html><head></head><body><b>要点</b></body></html></blockquote></p><p><ul><li>A long-term mindset and a diversified portfolio can help you build life-changing wealth.</li><li>Shopify’s portfolio of software and services simplifies commerce for small businesses.</li><li>Upstart’s AI models help banks lend money to more people without taking on additional risk.</li></ul>Legendary investor Peter Lynch once told investors: &#34;All you need for a lifetime of successful investing is a few big winners.&#34; He reasoned that the monster returns generated by a few investments would more than make up for any losses. And that makes sense. If you invest $10 in a stock, the worst outcome is a loss of $10. But there is no limit on the upside. That $10 could grow several-fold in value.</p><p><blockquote><ul><li>长期的心态和多元化的投资组合可以帮助您积累改变生活的财富。</li><li>Shopify的软件和服务组合简化了小型企业的商务。</li><li>Upstart的人工智能模型帮助银行在不承担额外风险的情况下向更多人放贷。</li></ul>传奇投资者彼得·林奇曾告诉投资者：“一生成功投资所需要的只是几个大赢家。”他推断，几笔投资产生的巨额回报足以弥补任何损失。这是有道理的。如果你在一只股票上投资10美元，最坏的结果就是损失10美元。但上涨空间是无限的。这10美元的价值可能会增长数倍。</blockquote></p><p>Unfortunately, there is no single formula or valuation metric that will help you pick big winners with absolute certainty. That&#39;s why it&#39;s important to build a diversified portfolio. Put another way, investors should aim to own at least 25 high-quality stocks. Doing so minimizes your exposure to any single business or industry, which helps reduce downside risk.</p><p><blockquote>不幸的是，没有单一的公式或估值指标可以帮助您绝对确定地挑选大赢家。这就是为什么建立多元化的投资组合很重要。换句话说，投资者的目标应该是持有至少25只优质股票。这样做可以最大限度地减少您对任何单一业务或行业的敞口，从而有助于降低下行风险。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/308a08a13a8526eef208d44429525a7a\" tg-width=\"2000\" tg-height=\"1333\" width=\"100%\" height=\"auto\"/><span>IMAGE SOURCE: GETTY IMAGES.</span></p><p><blockquote><p class=\"t-img-caption\"><span>图片来源：盖蒂图片社。</span></p></blockquote></p><p>With that in mind, <b>Shopify</b> and <b>Upstart Holdings</b> look like good building blocks for a market-beating portfolio. In fact, I think both stocks could grow fourfold over the next 10 years, a pace that would turn $250,000 into $1 million.</p><p><blockquote>考虑到这一点，<b>Shopify</b>和<b>新贵控股</b>看起来像是跑赢市场的投资组合的良好组成部分。事实上，我认为这两只股票在未来10年内可能会增长四倍，这一速度将使25万美元变成100万美元。</blockquote></p><p>Here&#39;s why.</p><p><blockquote>原因如下。</blockquote></p><p><b>1. Shopify</b></p><p><blockquote><b>1.Shopify</b></blockquote></p><p>Shopify has become the retail operating system for over 1.7 million businesses. Its portfolio of software and services helps merchants manage sales across physical and digital storefronts, including websites, social platforms, and online marketplaces. Additionally, the Shopify App Store offers thousands of additional software solutions, such as tools for marketing and enterprise resource planning.</p><p><blockquote>Shopify已成为超过170万家企业的零售操作系统。其软件和服务组合可帮助商家管理实体和数字店面的销售，包括网站、社交平台和在线市场。此外，Shopify应用商店还提供数千种附加软件解决方案，例如营销和企业资源规划工具。</blockquote></p><p>Of particular note, the company&#39;s business model differentiates it from rivals like <b>Amazon</b>. Specifically, Shopify helps merchants grow their brands and build lasting relationships with customers -- the company doesn&#39;t pull sellers onto a common marketplace then compete against them by selling similar products at cheaper prices.</p><p><blockquote>特别值得注意的是，该公司的商业模式使其有别于竞争对手，例如<b>亚马逊</b>具体来说，Shopify帮助商家发展品牌并与客户建立持久的关系——该公司不会将卖家拉入一个共同的市场，然后通过以更便宜的价格销售类似的产品来与他们竞争。</blockquote></p><p>Not surprisingly, Shopify&#39;s merchant-centric business model and broad product portfolio have it made quite popular with small- and medium-sized businesses, as evidenced by the company&#39;s impressive sales growth over the past 12 months.</p><p><blockquote>毫不奇怪，Shopify以商家为中心的商业模式和广泛的产品组合使其在中小型企业中非常受欢迎，该公司过去12个月令人印象深刻的销售增长就证明了这一点。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a6fc34234732afb814af64bed5b0a367\" tg-width=\"1149\" tg-height=\"161\" width=\"100%\" height=\"auto\"/><span>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.</span></p><p><blockquote><p class=\"t-img-caption\"><span>资料来源：YCHARTS。TTM=过去12个月。</span></p></blockquote></p><p>Impressively, Shopify has grown its bottom line even more quickly, as free cash flow surged 150% to $458 million over the past year. And the company is well-positioned to maintain that momentum, as its founder-led management team is executing on a robust growth strategy.</p><p><blockquote>令人印象深刻的是，Shopify的利润增长更快，自由现金流在过去一年飙升了150%，达到4.58亿美元。该公司处于有利地位，可以保持这一势头，因为其创始人领导的管理团队正在执行稳健的增长战略。</blockquote></p><p>For instance, the Shopify Fulfillment Network leans on artificial intelligence and collaborative robots to help merchants ship orders more quickly and cost-effectively. And the Shop mobile app aims to drive buyer engagement and boost repeat purchases by making relevant product recommendations. In fact, despite launching in April 2020, the Shop app surpassed 118 million registered users in the second quarter of 2021, and that number continued to rise in the third quarter.</p><p><blockquote>例如，Shopify履行网络依靠人工智能和协作机器人来帮助商家更快、更经济地运送订单。Shop移动应用程序旨在通过推荐相关产品来提高买家参与度并增加重复购买。事实上，尽管Shop应用程序于2020年4月推出，但在2021年第二季度注册用户超过了1.18亿，并且这一数字在第三季度继续上升。</blockquote></p><p>Shopify is currently the most popular e-commerce software platform on the market, powering 27% of all online storefronts. In short, the company has a strong competitive position, and management&#39;s ambitious vision should help Shopify capitalize on its $153 billion market opportunity. That&#39;s why I think this company could grow fourfold over the next 10 years, achieving a market cap of $550 billion.</p><p><blockquote>Shopify是目前市场上最受欢迎的电子商务软件平台，为27%的在线店面提供支持。简而言之，该公司拥有强大的竞争地位，管理层雄心勃勃的愿景应该有助于Shopify利用其1530亿美元的市场机会。这就是为什么我认为这家公司在未来10年内可能会增长四倍，市值达到5500亿美元。</blockquote></p><p><b>2. Upstart Holdings</b></p><p><blockquote><b>2.新贵控股</b></blockquote></p><p>Upstart is a fintech company on a mission to modernize the consumer credit industry. Traditionally, banks have made lending decisions using relatively small data sets -- even the most sophisticated credit models incorporate just 30 variables. In turn, lenders frequently make the wrong decisions. That means some creditworthy borrowers are rejected, and those that are approved often pay too much in interest.</p><p><blockquote>Upstart是一家金融科技公司，其使命是实现消费信贷行业的现代化。传统上，银行使用相对较小的数据集做出贷款决策——即使是最复杂的信贷模型也只包含30个变量。反过来，贷款人经常做出错误的决定。这意味着一些信誉良好的借款人被拒绝，而那些被批准的借款人往往支付过高的利息。</blockquote></p><p>Upstart uses big data and artificial intelligence to make that system more efficient. Specifically, its platform captures over 1,600 data points per applicant and measures those variables against repayment events. Put another way, each time a borrower makes or misses a payment, Upstart&#39;s AI models get a little smarter, creating a flywheel effect: More data means better AI, and better AI means more lending partners (and more data).</p><p><blockquote>Upstart使用大数据和人工智能来提高系统的效率。具体来说，其平台捕获了每个申请人1,600多个数据点，并根据还款事件衡量这些变量。换句话说，每次借款人付款或错过付款时，Upstart的人工智能模型都会变得更加智能，从而产生飞轮效应：更多的数据意味着更好的人工智能，而更好的人工智能意味着更多的贷款合作伙伴（和更多的数据）。</blockquote></p><p></p><p>Despite being a relatively young company, the early results are promising. Internal studies have shown that Upstart&#39;s AI models can reduce loss rates by 75%, while keeping approval rates constant. Alternatively, Upstart can boost approval rates by 173% while keeping loss rates constant.</p><p><blockquote>尽管是一家相对年轻的公司，但早期的结果很有希望。内部研究表明，Upstart的人工智能模型可以将损失率降低75%，同时保持批准率不变。或者，Upstart可以将支持率提高173%，同时保持损失率不变。</blockquote></p><p>Given those results, lenders like banks, credit unions, and auto dealerships are adopting Upstart&#39;s platform at a rapid pace, and that has fueled an impressive top-line performance over the past year.</p><p><blockquote>鉴于这些结果，银行、信用合作社和汽车经销商等贷款机构正在快速采用Upstart的平台，这推动了过去一年令人印象深刻的营收表现。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a7fc6ec87c6a0aa6498067565dacf08e\" tg-width=\"1150\" tg-height=\"162\" width=\"100%\" height=\"auto\"/><span>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.</span></p><p><blockquote><p class=\"t-img-caption\"><span>资料来源：YCHARTS。TTM=过去12个月。</span></p></blockquote></p><p>Of particular note, unlike many high-growth companies, Upstart is profitable on a GAAP basis, as net income reached $77.5 million over the past 12 months. Even so, this fintech has hardly scratched the surface of its potential. In fact, Upstart powered $8.9 billion in loans in the last year, less than 2% of its $753 billion market opportunity, a figure that comprises both personal loan originations and auto loan originations in the U.S.</p><p><blockquote>特别值得注意的是，与许多高增长公司不同，Upstart在GAAP基础上实现盈利，过去12个月净利润达到7750万美元。即便如此，这项金融科技还没有触及其潜力的表面。事实上，Upstart去年提供了89亿美元的贷款，不到其7530亿美元市场机会的2%，这一数字包括美国的个人贷款发放和汽车贷款发放。</blockquote></p><p>However, Upstart&#39;s market opportunity will likely continue to grow over the coming decade, as management has expressed interest in the $4.5 trillion mortgage origination industry. To that end, I wouldn&#39;t be surprised to see Upstart&#39;s market cap climb from $9 billion today to $36 billion in 10 years&#39; time. That&#39;s why this growth stock looks like a smart long-term investment.</p><p><blockquote>然而，Upstart的市场机会在未来十年可能会继续增长，因为管理层已表达了对4.5万亿美元抵押贷款发放行业的兴趣。为此，如果看到Upstart的市值在10年内从今天的90亿美元攀升至360亿美元，我不会感到惊讶。这就是为什么这只成长型股票看起来是一项明智的长期投资。</blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></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>Want $1 Million? 2 Monster Growth Stocks to Buy Now and Hold for the Next Decade<blockquote>想要100万美元？2只值得立即购买并在未来十年持有的巨型成长型股票</blockquote></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\">\nWant $1 Million? 2 Monster Growth Stocks to Buy Now and Hold for the Next Decade<blockquote>想要100万美元？2只值得立即购买并在未来十年持有的巨型成长型股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Motley Fool</strong><span class=\"h-time small\">2022-01-21 16:27</span>\n</p>\n</h4>\n</header>\n<article>\n<p><html><head></head><body><b>Key Points</b></p><p><blockquote><html><head></head><body><b>要点</b></body></html></blockquote></p><p><ul><li>A long-term mindset and a diversified portfolio can help you build life-changing wealth.</li><li>Shopify’s portfolio of software and services simplifies commerce for small businesses.</li><li>Upstart’s AI models help banks lend money to more people without taking on additional risk.</li></ul>Legendary investor Peter Lynch once told investors: &#34;All you need for a lifetime of successful investing is a few big winners.&#34; He reasoned that the monster returns generated by a few investments would more than make up for any losses. And that makes sense. If you invest $10 in a stock, the worst outcome is a loss of $10. But there is no limit on the upside. That $10 could grow several-fold in value.</p><p><blockquote><ul><li>长期的心态和多元化的投资组合可以帮助您积累改变生活的财富。</li><li>Shopify的软件和服务组合简化了小型企业的商务。</li><li>Upstart的人工智能模型帮助银行在不承担额外风险的情况下向更多人放贷。</li></ul>传奇投资者彼得·林奇曾告诉投资者：“一生成功投资所需要的只是几个大赢家。”他推断，几笔投资产生的巨额回报足以弥补任何损失。这是有道理的。如果你在一只股票上投资10美元，最坏的结果就是损失10美元。但上涨空间是无限的。这10美元的价值可能会增长数倍。</blockquote></p><p>Unfortunately, there is no single formula or valuation metric that will help you pick big winners with absolute certainty. That&#39;s why it&#39;s important to build a diversified portfolio. Put another way, investors should aim to own at least 25 high-quality stocks. Doing so minimizes your exposure to any single business or industry, which helps reduce downside risk.</p><p><blockquote>不幸的是，没有单一的公式或估值指标可以帮助您绝对确定地挑选大赢家。这就是为什么建立多元化的投资组合很重要。换句话说，投资者的目标应该是持有至少25只优质股票。这样做可以最大限度地减少您对任何单一业务或行业的敞口，从而有助于降低下行风险。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/308a08a13a8526eef208d44429525a7a\" tg-width=\"2000\" tg-height=\"1333\" width=\"100%\" height=\"auto\"/><span>IMAGE SOURCE: GETTY IMAGES.</span></p><p><blockquote><p class=\"t-img-caption\"><span>图片来源：盖蒂图片社。</span></p></blockquote></p><p>With that in mind, <b>Shopify</b> and <b>Upstart Holdings</b> look like good building blocks for a market-beating portfolio. In fact, I think both stocks could grow fourfold over the next 10 years, a pace that would turn $250,000 into $1 million.</p><p><blockquote>考虑到这一点，<b>Shopify</b>和<b>新贵控股</b>看起来像是跑赢市场的投资组合的良好组成部分。事实上，我认为这两只股票在未来10年内可能会增长四倍，这一速度将使25万美元变成100万美元。</blockquote></p><p>Here&#39;s why.</p><p><blockquote>原因如下。</blockquote></p><p><b>1. Shopify</b></p><p><blockquote><b>1.Shopify</b></blockquote></p><p>Shopify has become the retail operating system for over 1.7 million businesses. Its portfolio of software and services helps merchants manage sales across physical and digital storefronts, including websites, social platforms, and online marketplaces. Additionally, the Shopify App Store offers thousands of additional software solutions, such as tools for marketing and enterprise resource planning.</p><p><blockquote>Shopify已成为超过170万家企业的零售操作系统。其软件和服务组合可帮助商家管理实体和数字店面的销售，包括网站、社交平台和在线市场。此外，Shopify应用商店还提供数千种附加软件解决方案，例如营销和企业资源规划工具。</blockquote></p><p>Of particular note, the company&#39;s business model differentiates it from rivals like <b>Amazon</b>. Specifically, Shopify helps merchants grow their brands and build lasting relationships with customers -- the company doesn&#39;t pull sellers onto a common marketplace then compete against them by selling similar products at cheaper prices.</p><p><blockquote>特别值得注意的是，该公司的商业模式使其有别于竞争对手，例如<b>亚马逊</b>具体来说，Shopify帮助商家发展品牌并与客户建立持久的关系——该公司不会将卖家拉入一个共同的市场，然后通过以更便宜的价格销售类似的产品来与他们竞争。</blockquote></p><p>Not surprisingly, Shopify&#39;s merchant-centric business model and broad product portfolio have it made quite popular with small- and medium-sized businesses, as evidenced by the company&#39;s impressive sales growth over the past 12 months.</p><p><blockquote>毫不奇怪，Shopify以商家为中心的商业模式和广泛的产品组合使其在中小型企业中非常受欢迎，该公司过去12个月令人印象深刻的销售增长就证明了这一点。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a6fc34234732afb814af64bed5b0a367\" tg-width=\"1149\" tg-height=\"161\" width=\"100%\" height=\"auto\"/><span>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.</span></p><p><blockquote><p class=\"t-img-caption\"><span>资料来源：YCHARTS。TTM=过去12个月。</span></p></blockquote></p><p>Impressively, Shopify has grown its bottom line even more quickly, as free cash flow surged 150% to $458 million over the past year. And the company is well-positioned to maintain that momentum, as its founder-led management team is executing on a robust growth strategy.</p><p><blockquote>令人印象深刻的是，Shopify的利润增长更快，自由现金流在过去一年飙升了150%，达到4.58亿美元。该公司处于有利地位，可以保持这一势头，因为其创始人领导的管理团队正在执行稳健的增长战略。</blockquote></p><p>For instance, the Shopify Fulfillment Network leans on artificial intelligence and collaborative robots to help merchants ship orders more quickly and cost-effectively. And the Shop mobile app aims to drive buyer engagement and boost repeat purchases by making relevant product recommendations. In fact, despite launching in April 2020, the Shop app surpassed 118 million registered users in the second quarter of 2021, and that number continued to rise in the third quarter.</p><p><blockquote>例如，Shopify履行网络依靠人工智能和协作机器人来帮助商家更快、更经济地运送订单。Shop移动应用程序旨在通过推荐相关产品来提高买家参与度并增加重复购买。事实上，尽管Shop应用程序于2020年4月推出，但在2021年第二季度注册用户超过了1.18亿，并且这一数字在第三季度继续上升。</blockquote></p><p>Shopify is currently the most popular e-commerce software platform on the market, powering 27% of all online storefronts. In short, the company has a strong competitive position, and management&#39;s ambitious vision should help Shopify capitalize on its $153 billion market opportunity. That&#39;s why I think this company could grow fourfold over the next 10 years, achieving a market cap of $550 billion.</p><p><blockquote>Shopify是目前市场上最受欢迎的电子商务软件平台，为27%的在线店面提供支持。简而言之，该公司拥有强大的竞争地位，管理层雄心勃勃的愿景应该有助于Shopify利用其1530亿美元的市场机会。这就是为什么我认为这家公司在未来10年内可能会增长四倍，市值达到5500亿美元。</blockquote></p><p><b>2. Upstart Holdings</b></p><p><blockquote><b>2.新贵控股</b></blockquote></p><p>Upstart is a fintech company on a mission to modernize the consumer credit industry. Traditionally, banks have made lending decisions using relatively small data sets -- even the most sophisticated credit models incorporate just 30 variables. In turn, lenders frequently make the wrong decisions. That means some creditworthy borrowers are rejected, and those that are approved often pay too much in interest.</p><p><blockquote>Upstart是一家金融科技公司，其使命是实现消费信贷行业的现代化。传统上，银行使用相对较小的数据集做出贷款决策——即使是最复杂的信贷模型也只包含30个变量。反过来，贷款人经常做出错误的决定。这意味着一些信誉良好的借款人被拒绝，而那些被批准的借款人往往支付过高的利息。</blockquote></p><p>Upstart uses big data and artificial intelligence to make that system more efficient. Specifically, its platform captures over 1,600 data points per applicant and measures those variables against repayment events. Put another way, each time a borrower makes or misses a payment, Upstart&#39;s AI models get a little smarter, creating a flywheel effect: More data means better AI, and better AI means more lending partners (and more data).</p><p><blockquote>Upstart使用大数据和人工智能来提高系统的效率。具体来说，其平台捕获了每个申请人1,600多个数据点，并根据还款事件衡量这些变量。换句话说，每次借款人付款或错过付款时，Upstart的人工智能模型都会变得更加智能，从而产生飞轮效应：更多的数据意味着更好的人工智能，而更好的人工智能意味着更多的贷款合作伙伴（和更多的数据）。</blockquote></p><p></p><p>Despite being a relatively young company, the early results are promising. Internal studies have shown that Upstart&#39;s AI models can reduce loss rates by 75%, while keeping approval rates constant. Alternatively, Upstart can boost approval rates by 173% while keeping loss rates constant.</p><p><blockquote>尽管是一家相对年轻的公司，但早期的结果很有希望。内部研究表明，Upstart的人工智能模型可以将损失率降低75%，同时保持批准率不变。或者，Upstart可以将支持率提高173%，同时保持损失率不变。</blockquote></p><p>Given those results, lenders like banks, credit unions, and auto dealerships are adopting Upstart&#39;s platform at a rapid pace, and that has fueled an impressive top-line performance over the past year.</p><p><blockquote>鉴于这些结果，银行、信用合作社和汽车经销商等贷款机构正在快速采用Upstart的平台，这推动了过去一年令人印象深刻的营收表现。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a7fc6ec87c6a0aa6498067565dacf08e\" tg-width=\"1150\" tg-height=\"162\" width=\"100%\" height=\"auto\"/><span>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.</span></p><p><blockquote><p class=\"t-img-caption\"><span>资料来源：YCHARTS。TTM=过去12个月。</span></p></blockquote></p><p>Of particular note, unlike many high-growth companies, Upstart is profitable on a GAAP basis, as net income reached $77.5 million over the past 12 months. Even so, this fintech has hardly scratched the surface of its potential. In fact, Upstart powered $8.9 billion in loans in the last year, less than 2% of its $753 billion market opportunity, a figure that comprises both personal loan originations and auto loan originations in the U.S.</p><p><blockquote>特别值得注意的是，与许多高增长公司不同，Upstart在GAAP基础上实现盈利，过去12个月净利润达到7750万美元。即便如此，这项金融科技还没有触及其潜力的表面。事实上，Upstart去年提供了89亿美元的贷款，不到其7530亿美元市场机会的2%，这一数字包括美国的个人贷款发放和汽车贷款发放。</blockquote></p><p>However, Upstart&#39;s market opportunity will likely continue to grow over the coming decade, as management has expressed interest in the $4.5 trillion mortgage origination industry. To that end, I wouldn&#39;t be surprised to see Upstart&#39;s market cap climb from $9 billion today to $36 billion in 10 years&#39; time. That&#39;s why this growth stock looks like a smart long-term investment.</p><p><blockquote>然而，Upstart的市场机会在未来十年可能会继续增长，因为管理层已表达了对4.5万亿美元抵押贷款发放行业的兴趣。为此，如果看到Upstart的市值在10年内从今天的90亿美元攀升至360亿美元，我不会感到惊讶。这就是为什么这只成长型股票看起来是一项明智的长期投资。</blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.fool.com/investing/2022/01/20/want-1-million-2-monster-growth-stocks-to-buy-now/\">Motley Fool</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc.","SHOP":"Shopify Inc"},"source_url":"https://www.fool.com/investing/2022/01/20/want-1-million-2-monster-growth-stocks-to-buy-now/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1171199849","content_text":"Key PointsA long-term mindset and a diversified portfolio can help you build life-changing wealth.Shopify’s portfolio of software and services simplifies commerce for small businesses.Upstart’s AI models help banks lend money to more people without taking on additional risk.Legendary investor Peter Lynch once told investors: \"All you need for a lifetime of successful investing is a few big winners.\" He reasoned that the monster returns generated by a few investments would more than make up for any losses. And that makes sense. If you invest $10 in a stock, the worst outcome is a loss of $10. But there is no limit on the upside. That $10 could grow several-fold in value.Unfortunately, there is no single formula or valuation metric that will help you pick big winners with absolute certainty. That's why it's important to build a diversified portfolio. Put another way, investors should aim to own at least 25 high-quality stocks. Doing so minimizes your exposure to any single business or industry, which helps reduce downside risk.IMAGE SOURCE: GETTY IMAGES.With that in mind, Shopify and Upstart Holdings look like good building blocks for a market-beating portfolio. In fact, I think both stocks could grow fourfold over the next 10 years, a pace that would turn $250,000 into $1 million.Here's why.1. ShopifyShopify has become the retail operating system for over 1.7 million businesses. Its portfolio of software and services helps merchants manage sales across physical and digital storefronts, including websites, social platforms, and online marketplaces. Additionally, the Shopify App Store offers thousands of additional software solutions, such as tools for marketing and enterprise resource planning.Of particular note, the company's business model differentiates it from rivals like Amazon. Specifically, Shopify helps merchants grow their brands and build lasting relationships with customers -- the company doesn't pull sellers onto a common marketplace then compete against them by selling similar products at cheaper prices.Not surprisingly, Shopify's merchant-centric business model and broad product portfolio have it made quite popular with small- and medium-sized businesses, as evidenced by the company's impressive sales growth over the past 12 months.SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.Impressively, Shopify has grown its bottom line even more quickly, as free cash flow surged 150% to $458 million over the past year. And the company is well-positioned to maintain that momentum, as its founder-led management team is executing on a robust growth strategy.For instance, the Shopify Fulfillment Network leans on artificial intelligence and collaborative robots to help merchants ship orders more quickly and cost-effectively. And the Shop mobile app aims to drive buyer engagement and boost repeat purchases by making relevant product recommendations. In fact, despite launching in April 2020, the Shop app surpassed 118 million registered users in the second quarter of 2021, and that number continued to rise in the third quarter.Shopify is currently the most popular e-commerce software platform on the market, powering 27% of all online storefronts. In short, the company has a strong competitive position, and management's ambitious vision should help Shopify capitalize on its $153 billion market opportunity. That's why I think this company could grow fourfold over the next 10 years, achieving a market cap of $550 billion.2. Upstart HoldingsUpstart is a fintech company on a mission to modernize the consumer credit industry. Traditionally, banks have made lending decisions using relatively small data sets -- even the most sophisticated credit models incorporate just 30 variables. In turn, lenders frequently make the wrong decisions. That means some creditworthy borrowers are rejected, and those that are approved often pay too much in interest.Upstart uses big data and artificial intelligence to make that system more efficient. Specifically, its platform captures over 1,600 data points per applicant and measures those variables against repayment events. Put another way, each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a flywheel effect: More data means better AI, and better AI means more lending partners (and more data).Despite being a relatively young company, the early results are promising. Internal studies have shown that Upstart's AI models can reduce loss rates by 75%, while keeping approval rates constant. Alternatively, Upstart can boost approval rates by 173% while keeping loss rates constant.Given those results, lenders like banks, credit unions, and auto dealerships are adopting Upstart's platform at a rapid pace, and that has fueled an impressive top-line performance over the past year.SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.Of particular note, unlike many high-growth companies, Upstart is profitable on a GAAP basis, as net income reached $77.5 million over the past 12 months. Even so, this fintech has hardly scratched the surface of its potential. In fact, Upstart powered $8.9 billion in loans in the last year, less than 2% of its $753 billion market opportunity, a figure that comprises both personal loan originations and auto loan originations in the U.S.However, Upstart's market opportunity will likely continue to grow over the coming decade, as management has expressed interest in the $4.5 trillion mortgage origination industry. To that end, I wouldn't be surprised to see Upstart's market cap climb from $9 billion today to $36 billion in 10 years' time. That's why this growth stock looks like a smart long-term investment.","news_type":1,"symbols_score_info":{"SHOP":0.9,"UPST":0.9}},"isVote":1,"tweetType":1,"viewCount":3203,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":630002589,"gmtCreate":1642610808855,"gmtModify":1642610809006,"author":{"id":"4104019644985520","authorId":"4104019644985520","name":"Mom of 2","avatar":"https://static.tigerbbs.com/6c4dd5527b1302befdc0a9fc81d3282c","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4104019644985520","idStr":"4104019644985520"},"themes":[],"htmlText":"Good to buy XLP!","listText":"Good to buy XLP!","text":"Good to buy 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like..!","text":"Give me a like..!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/630298712","repostId":"2205441860","repostType":4,"isVote":1,"tweetType":1,"viewCount":2291,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":630296356,"gmtCreate":1642867558823,"gmtModify":1642867558962,"author":{"id":"4104019644985520","authorId":"4104019644985520","name":"Mom of 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to buy?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/630600329","repostId":"1194174623","repostType":4,"repost":{"id":"1194174623","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":1642778869,"share":"https://www.laohu8.com/m/news/1194174623?lang=zh_CN&edition=full","pubTime":"2022-01-21 23:27","market":"us","language":"en","title":"U.S. Stocks Continued to Decline, and Big Tech Stocks Slid<blockquote>美股继续下跌，大型科技股下滑</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1194174623","media":"Tiger Newspress","summary":"U.S. stocks continued to decline in morning trading Friday.Nasdaq and S&P 500 both fell more than 1%","content":"<p><html><head></head><body>U.S. stocks continued to decline in morning trading Friday.Nasdaq and S&amp;P 500 both fell more than 1%, and big tech stocks slid.</p><p><blockquote><html><head></head><body>周五早盘美股继续下跌，纳斯达克指数和标普500均跌超1%，大型科技股下跌。</body></html></blockquote></p><p><img src=\"https://static.tigerbbs.com/a059ed8abc30eb3cb0d58887839bba65\" tg-width=\"421\" tg-height=\"483\" referrerpolicy=\"no-referrer\"/></p><p><blockquote></blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></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>U.S. Stocks Continued to Decline, and Big Tech Stocks Slid<blockquote>美股继续下跌，大型科技股下滑</blockquote></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; 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#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\">\nU.S. Stocks Continued to Decline, and Big Tech Stocks Slid<blockquote>美股继续下跌，大型科技股下滑</blockquote>\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\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 smaller\">2022-01-21 23:27</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p><html><head></head><body>U.S. stocks continued to decline in morning trading Friday.Nasdaq and S&amp;P 500 both fell more than 1%, and big tech stocks slid.</p><p><blockquote><html><head></head><body>周五早盘美股继续下跌，纳斯达克指数和标普500均跌超1%，大型科技股下跌。</body></html></blockquote></p><p><img src=\"https://static.tigerbbs.com/a059ed8abc30eb3cb0d58887839bba65\" tg-width=\"421\" tg-height=\"483\" referrerpolicy=\"no-referrer\"/></p><p><blockquote></blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/f25970ebf4293eec7586423288711d3f","relate_stocks":{"FB":"ProShares S&P 500 Dynamic Buffer ETF","MSFT":"微软",".SPX":"S&P 500 Index",".DJI":"道琼斯","AMZN":"亚马逊","TSLA":"特斯拉","NFLX":"奈飞",".IXIC":"NASDAQ Composite","AAPL":"苹果","NVDA":"英伟达"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1194174623","content_text":"U.S. stocks continued to decline in morning trading Friday.Nasdaq and S&P 500 both fell more than 1%, and big tech stocks slid.","news_type":1,"symbols_score_info":{"NFLX":0.9,".IXIC":0.9,"TSLA":0.9,".SPX":0.9,"AAPL":0.9,"NVDA":0.9,".DJI":0.9,"AMZN":0.9,"FB":0.9,"MSFT":0.9}},"isVote":1,"tweetType":1,"viewCount":2598,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":630600970,"gmtCreate":1642789993614,"gmtModify":1642789993614,"author":{"id":"4104019644985520","authorId":"4104019644985520","name":"Mom of 2","avatar":"https://static.tigerbbs.com/6c4dd5527b1302befdc0a9fc81d3282c","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4104019644985520","idStr":"4104019644985520"},"themes":[],"htmlText":"Rocket to the sky pls!","listText":"Rocket to the sky pls!","text":"Rocket to the sky pls!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/630600970","repostId":"1171199849","repostType":4,"repost":{"id":"1171199849","kind":"news","pubTimestamp":1642753679,"share":"https://www.laohu8.com/m/news/1171199849?lang=zh_CN&edition=full","pubTime":"2022-01-21 16:27","market":"us","language":"en","title":"Want $1 Million? 2 Monster Growth Stocks to Buy Now and Hold for the Next Decade<blockquote>想要100万美元？2只值得立即购买并在未来十年持有的巨型成长型股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1171199849","media":"Motley Fool","summary":"$250,000 invested in these high-growth companies could be worth $1 million in 10 years.","content":"<p><html><head></head><body><b>Key Points</b></p><p><blockquote><html><head></head><body><b>要点</b></body></html></blockquote></p><p><ul><li>A long-term mindset and a diversified portfolio can help you build life-changing wealth.</li><li>Shopify’s portfolio of software and services simplifies commerce for small businesses.</li><li>Upstart’s AI models help banks lend money to more people without taking on additional risk.</li></ul>Legendary investor Peter Lynch once told investors: &#34;All you need for a lifetime of successful investing is a few big winners.&#34; He reasoned that the monster returns generated by a few investments would more than make up for any losses. And that makes sense. If you invest $10 in a stock, the worst outcome is a loss of $10. But there is no limit on the upside. That $10 could grow several-fold in value.</p><p><blockquote><ul><li>长期的心态和多元化的投资组合可以帮助您积累改变生活的财富。</li><li>Shopify的软件和服务组合简化了小型企业的商务。</li><li>Upstart的人工智能模型帮助银行在不承担额外风险的情况下向更多人放贷。</li></ul>传奇投资者彼得·林奇曾告诉投资者：“一生成功投资所需要的只是几个大赢家。”他推断，几笔投资产生的巨额回报足以弥补任何损失。这是有道理的。如果你在一只股票上投资10美元，最坏的结果就是损失10美元。但上涨空间是无限的。这10美元的价值可能会增长数倍。</blockquote></p><p>Unfortunately, there is no single formula or valuation metric that will help you pick big winners with absolute certainty. That&#39;s why it&#39;s important to build a diversified portfolio. Put another way, investors should aim to own at least 25 high-quality stocks. Doing so minimizes your exposure to any single business or industry, which helps reduce downside risk.</p><p><blockquote>不幸的是，没有单一的公式或估值指标可以帮助您绝对确定地挑选大赢家。这就是为什么建立多元化的投资组合很重要。换句话说，投资者的目标应该是持有至少25只优质股票。这样做可以最大限度地减少您对任何单一业务或行业的敞口，从而有助于降低下行风险。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/308a08a13a8526eef208d44429525a7a\" tg-width=\"2000\" tg-height=\"1333\" width=\"100%\" height=\"auto\"/><span>IMAGE SOURCE: GETTY IMAGES.</span></p><p><blockquote><p class=\"t-img-caption\"><span>图片来源：盖蒂图片社。</span></p></blockquote></p><p>With that in mind, <b>Shopify</b> and <b>Upstart Holdings</b> look like good building blocks for a market-beating portfolio. In fact, I think both stocks could grow fourfold over the next 10 years, a pace that would turn $250,000 into $1 million.</p><p><blockquote>考虑到这一点，<b>Shopify</b>和<b>新贵控股</b>看起来像是跑赢市场的投资组合的良好组成部分。事实上，我认为这两只股票在未来10年内可能会增长四倍，这一速度将使25万美元变成100万美元。</blockquote></p><p>Here&#39;s why.</p><p><blockquote>原因如下。</blockquote></p><p><b>1. Shopify</b></p><p><blockquote><b>1.Shopify</b></blockquote></p><p>Shopify has become the retail operating system for over 1.7 million businesses. Its portfolio of software and services helps merchants manage sales across physical and digital storefronts, including websites, social platforms, and online marketplaces. Additionally, the Shopify App Store offers thousands of additional software solutions, such as tools for marketing and enterprise resource planning.</p><p><blockquote>Shopify已成为超过170万家企业的零售操作系统。其软件和服务组合可帮助商家管理实体和数字店面的销售，包括网站、社交平台和在线市场。此外，Shopify应用商店还提供数千种附加软件解决方案，例如营销和企业资源规划工具。</blockquote></p><p>Of particular note, the company&#39;s business model differentiates it from rivals like <b>Amazon</b>. Specifically, Shopify helps merchants grow their brands and build lasting relationships with customers -- the company doesn&#39;t pull sellers onto a common marketplace then compete against them by selling similar products at cheaper prices.</p><p><blockquote>特别值得注意的是，该公司的商业模式使其有别于竞争对手，例如<b>亚马逊</b>具体来说，Shopify帮助商家发展品牌并与客户建立持久的关系——该公司不会将卖家拉入一个共同的市场，然后通过以更便宜的价格销售类似的产品来与他们竞争。</blockquote></p><p>Not surprisingly, Shopify&#39;s merchant-centric business model and broad product portfolio have it made quite popular with small- and medium-sized businesses, as evidenced by the company&#39;s impressive sales growth over the past 12 months.</p><p><blockquote>毫不奇怪，Shopify以商家为中心的商业模式和广泛的产品组合使其在中小型企业中非常受欢迎，该公司过去12个月令人印象深刻的销售增长就证明了这一点。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a6fc34234732afb814af64bed5b0a367\" tg-width=\"1149\" tg-height=\"161\" width=\"100%\" height=\"auto\"/><span>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.</span></p><p><blockquote><p class=\"t-img-caption\"><span>资料来源：YCHARTS。TTM=过去12个月。</span></p></blockquote></p><p>Impressively, Shopify has grown its bottom line even more quickly, as free cash flow surged 150% to $458 million over the past year. And the company is well-positioned to maintain that momentum, as its founder-led management team is executing on a robust growth strategy.</p><p><blockquote>令人印象深刻的是，Shopify的利润增长更快，自由现金流在过去一年飙升了150%，达到4.58亿美元。该公司处于有利地位，可以保持这一势头，因为其创始人领导的管理团队正在执行稳健的增长战略。</blockquote></p><p>For instance, the Shopify Fulfillment Network leans on artificial intelligence and collaborative robots to help merchants ship orders more quickly and cost-effectively. And the Shop mobile app aims to drive buyer engagement and boost repeat purchases by making relevant product recommendations. In fact, despite launching in April 2020, the Shop app surpassed 118 million registered users in the second quarter of 2021, and that number continued to rise in the third quarter.</p><p><blockquote>例如，Shopify履行网络依靠人工智能和协作机器人来帮助商家更快、更经济地运送订单。Shop移动应用程序旨在通过推荐相关产品来提高买家参与度并增加重复购买。事实上，尽管Shop应用程序于2020年4月推出，但在2021年第二季度注册用户超过了1.18亿，并且这一数字在第三季度继续上升。</blockquote></p><p>Shopify is currently the most popular e-commerce software platform on the market, powering 27% of all online storefronts. In short, the company has a strong competitive position, and management&#39;s ambitious vision should help Shopify capitalize on its $153 billion market opportunity. That&#39;s why I think this company could grow fourfold over the next 10 years, achieving a market cap of $550 billion.</p><p><blockquote>Shopify是目前市场上最受欢迎的电子商务软件平台，为27%的在线店面提供支持。简而言之，该公司拥有强大的竞争地位，管理层雄心勃勃的愿景应该有助于Shopify利用其1530亿美元的市场机会。这就是为什么我认为这家公司在未来10年内可能会增长四倍，市值达到5500亿美元。</blockquote></p><p><b>2. Upstart Holdings</b></p><p><blockquote><b>2.新贵控股</b></blockquote></p><p>Upstart is a fintech company on a mission to modernize the consumer credit industry. Traditionally, banks have made lending decisions using relatively small data sets -- even the most sophisticated credit models incorporate just 30 variables. In turn, lenders frequently make the wrong decisions. That means some creditworthy borrowers are rejected, and those that are approved often pay too much in interest.</p><p><blockquote>Upstart是一家金融科技公司，其使命是实现消费信贷行业的现代化。传统上，银行使用相对较小的数据集做出贷款决策——即使是最复杂的信贷模型也只包含30个变量。反过来，贷款人经常做出错误的决定。这意味着一些信誉良好的借款人被拒绝，而那些被批准的借款人往往支付过高的利息。</blockquote></p><p>Upstart uses big data and artificial intelligence to make that system more efficient. Specifically, its platform captures over 1,600 data points per applicant and measures those variables against repayment events. Put another way, each time a borrower makes or misses a payment, Upstart&#39;s AI models get a little smarter, creating a flywheel effect: More data means better AI, and better AI means more lending partners (and more data).</p><p><blockquote>Upstart使用大数据和人工智能来提高系统的效率。具体来说，其平台捕获了每个申请人1,600多个数据点，并根据还款事件衡量这些变量。换句话说，每次借款人付款或错过付款时，Upstart的人工智能模型都会变得更加智能，从而产生飞轮效应：更多的数据意味着更好的人工智能，而更好的人工智能意味着更多的贷款合作伙伴（和更多的数据）。</blockquote></p><p></p><p>Despite being a relatively young company, the early results are promising. Internal studies have shown that Upstart&#39;s AI models can reduce loss rates by 75%, while keeping approval rates constant. Alternatively, Upstart can boost approval rates by 173% while keeping loss rates constant.</p><p><blockquote>尽管是一家相对年轻的公司，但早期的结果很有希望。内部研究表明，Upstart的人工智能模型可以将损失率降低75%，同时保持批准率不变。或者，Upstart可以将支持率提高173%，同时保持损失率不变。</blockquote></p><p>Given those results, lenders like banks, credit unions, and auto dealerships are adopting Upstart&#39;s platform at a rapid pace, and that has fueled an impressive top-line performance over the past year.</p><p><blockquote>鉴于这些结果，银行、信用合作社和汽车经销商等贷款机构正在快速采用Upstart的平台，这推动了过去一年令人印象深刻的营收表现。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a7fc6ec87c6a0aa6498067565dacf08e\" tg-width=\"1150\" tg-height=\"162\" width=\"100%\" height=\"auto\"/><span>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.</span></p><p><blockquote><p class=\"t-img-caption\"><span>资料来源：YCHARTS。TTM=过去12个月。</span></p></blockquote></p><p>Of particular note, unlike many high-growth companies, Upstart is profitable on a GAAP basis, as net income reached $77.5 million over the past 12 months. Even so, this fintech has hardly scratched the surface of its potential. In fact, Upstart powered $8.9 billion in loans in the last year, less than 2% of its $753 billion market opportunity, a figure that comprises both personal loan originations and auto loan originations in the U.S.</p><p><blockquote>特别值得注意的是，与许多高增长公司不同，Upstart在GAAP基础上实现盈利，过去12个月净利润达到7750万美元。即便如此，这项金融科技还没有触及其潜力的表面。事实上，Upstart去年提供了89亿美元的贷款，不到其7530亿美元市场机会的2%，这一数字包括美国的个人贷款发放和汽车贷款发放。</blockquote></p><p>However, Upstart&#39;s market opportunity will likely continue to grow over the coming decade, as management has expressed interest in the $4.5 trillion mortgage origination industry. To that end, I wouldn&#39;t be surprised to see Upstart&#39;s market cap climb from $9 billion today to $36 billion in 10 years&#39; time. That&#39;s why this growth stock looks like a smart long-term investment.</p><p><blockquote>然而，Upstart的市场机会在未来十年可能会继续增长，因为管理层已表达了对4.5万亿美元抵押贷款发放行业的兴趣。为此，如果看到Upstart的市值在10年内从今天的90亿美元攀升至360亿美元，我不会感到惊讶。这就是为什么这只成长型股票看起来是一项明智的长期投资。</blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></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>Want $1 Million? 2 Monster Growth Stocks to Buy Now and Hold for the Next Decade<blockquote>想要100万美元？2只值得立即购买并在未来十年持有的巨型成长型股票</blockquote></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\">\nWant $1 Million? 2 Monster Growth Stocks to Buy Now and Hold for the Next Decade<blockquote>想要100万美元？2只值得立即购买并在未来十年持有的巨型成长型股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Motley Fool</strong><span class=\"h-time small\">2022-01-21 16:27</span>\n</p>\n</h4>\n</header>\n<article>\n<p><html><head></head><body><b>Key Points</b></p><p><blockquote><html><head></head><body><b>要点</b></body></html></blockquote></p><p><ul><li>A long-term mindset and a diversified portfolio can help you build life-changing wealth.</li><li>Shopify’s portfolio of software and services simplifies commerce for small businesses.</li><li>Upstart’s AI models help banks lend money to more people without taking on additional risk.</li></ul>Legendary investor Peter Lynch once told investors: &#34;All you need for a lifetime of successful investing is a few big winners.&#34; He reasoned that the monster returns generated by a few investments would more than make up for any losses. And that makes sense. If you invest $10 in a stock, the worst outcome is a loss of $10. But there is no limit on the upside. That $10 could grow several-fold in value.</p><p><blockquote><ul><li>长期的心态和多元化的投资组合可以帮助您积累改变生活的财富。</li><li>Shopify的软件和服务组合简化了小型企业的商务。</li><li>Upstart的人工智能模型帮助银行在不承担额外风险的情况下向更多人放贷。</li></ul>传奇投资者彼得·林奇曾告诉投资者：“一生成功投资所需要的只是几个大赢家。”他推断，几笔投资产生的巨额回报足以弥补任何损失。这是有道理的。如果你在一只股票上投资10美元，最坏的结果就是损失10美元。但上涨空间是无限的。这10美元的价值可能会增长数倍。</blockquote></p><p>Unfortunately, there is no single formula or valuation metric that will help you pick big winners with absolute certainty. That&#39;s why it&#39;s important to build a diversified portfolio. Put another way, investors should aim to own at least 25 high-quality stocks. Doing so minimizes your exposure to any single business or industry, which helps reduce downside risk.</p><p><blockquote>不幸的是，没有单一的公式或估值指标可以帮助您绝对确定地挑选大赢家。这就是为什么建立多元化的投资组合很重要。换句话说，投资者的目标应该是持有至少25只优质股票。这样做可以最大限度地减少您对任何单一业务或行业的敞口，从而有助于降低下行风险。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/308a08a13a8526eef208d44429525a7a\" tg-width=\"2000\" tg-height=\"1333\" width=\"100%\" height=\"auto\"/><span>IMAGE SOURCE: GETTY IMAGES.</span></p><p><blockquote><p class=\"t-img-caption\"><span>图片来源：盖蒂图片社。</span></p></blockquote></p><p>With that in mind, <b>Shopify</b> and <b>Upstart Holdings</b> look like good building blocks for a market-beating portfolio. In fact, I think both stocks could grow fourfold over the next 10 years, a pace that would turn $250,000 into $1 million.</p><p><blockquote>考虑到这一点，<b>Shopify</b>和<b>新贵控股</b>看起来像是跑赢市场的投资组合的良好组成部分。事实上，我认为这两只股票在未来10年内可能会增长四倍，这一速度将使25万美元变成100万美元。</blockquote></p><p>Here&#39;s why.</p><p><blockquote>原因如下。</blockquote></p><p><b>1. Shopify</b></p><p><blockquote><b>1.Shopify</b></blockquote></p><p>Shopify has become the retail operating system for over 1.7 million businesses. Its portfolio of software and services helps merchants manage sales across physical and digital storefronts, including websites, social platforms, and online marketplaces. Additionally, the Shopify App Store offers thousands of additional software solutions, such as tools for marketing and enterprise resource planning.</p><p><blockquote>Shopify已成为超过170万家企业的零售操作系统。其软件和服务组合可帮助商家管理实体和数字店面的销售，包括网站、社交平台和在线市场。此外，Shopify应用商店还提供数千种附加软件解决方案，例如营销和企业资源规划工具。</blockquote></p><p>Of particular note, the company&#39;s business model differentiates it from rivals like <b>Amazon</b>. Specifically, Shopify helps merchants grow their brands and build lasting relationships with customers -- the company doesn&#39;t pull sellers onto a common marketplace then compete against them by selling similar products at cheaper prices.</p><p><blockquote>特别值得注意的是，该公司的商业模式使其有别于竞争对手，例如<b>亚马逊</b>具体来说，Shopify帮助商家发展品牌并与客户建立持久的关系——该公司不会将卖家拉入一个共同的市场，然后通过以更便宜的价格销售类似的产品来与他们竞争。</blockquote></p><p>Not surprisingly, Shopify&#39;s merchant-centric business model and broad product portfolio have it made quite popular with small- and medium-sized businesses, as evidenced by the company&#39;s impressive sales growth over the past 12 months.</p><p><blockquote>毫不奇怪，Shopify以商家为中心的商业模式和广泛的产品组合使其在中小型企业中非常受欢迎，该公司过去12个月令人印象深刻的销售增长就证明了这一点。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a6fc34234732afb814af64bed5b0a367\" tg-width=\"1149\" tg-height=\"161\" width=\"100%\" height=\"auto\"/><span>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.</span></p><p><blockquote><p class=\"t-img-caption\"><span>资料来源：YCHARTS。TTM=过去12个月。</span></p></blockquote></p><p>Impressively, Shopify has grown its bottom line even more quickly, as free cash flow surged 150% to $458 million over the past year. And the company is well-positioned to maintain that momentum, as its founder-led management team is executing on a robust growth strategy.</p><p><blockquote>令人印象深刻的是，Shopify的利润增长更快，自由现金流在过去一年飙升了150%，达到4.58亿美元。该公司处于有利地位，可以保持这一势头，因为其创始人领导的管理团队正在执行稳健的增长战略。</blockquote></p><p>For instance, the Shopify Fulfillment Network leans on artificial intelligence and collaborative robots to help merchants ship orders more quickly and cost-effectively. And the Shop mobile app aims to drive buyer engagement and boost repeat purchases by making relevant product recommendations. In fact, despite launching in April 2020, the Shop app surpassed 118 million registered users in the second quarter of 2021, and that number continued to rise in the third quarter.</p><p><blockquote>例如，Shopify履行网络依靠人工智能和协作机器人来帮助商家更快、更经济地运送订单。Shop移动应用程序旨在通过推荐相关产品来提高买家参与度并增加重复购买。事实上，尽管Shop应用程序于2020年4月推出，但在2021年第二季度注册用户超过了1.18亿，并且这一数字在第三季度继续上升。</blockquote></p><p>Shopify is currently the most popular e-commerce software platform on the market, powering 27% of all online storefronts. In short, the company has a strong competitive position, and management&#39;s ambitious vision should help Shopify capitalize on its $153 billion market opportunity. That&#39;s why I think this company could grow fourfold over the next 10 years, achieving a market cap of $550 billion.</p><p><blockquote>Shopify是目前市场上最受欢迎的电子商务软件平台，为27%的在线店面提供支持。简而言之，该公司拥有强大的竞争地位，管理层雄心勃勃的愿景应该有助于Shopify利用其1530亿美元的市场机会。这就是为什么我认为这家公司在未来10年内可能会增长四倍，市值达到5500亿美元。</blockquote></p><p><b>2. Upstart Holdings</b></p><p><blockquote><b>2.新贵控股</b></blockquote></p><p>Upstart is a fintech company on a mission to modernize the consumer credit industry. Traditionally, banks have made lending decisions using relatively small data sets -- even the most sophisticated credit models incorporate just 30 variables. In turn, lenders frequently make the wrong decisions. That means some creditworthy borrowers are rejected, and those that are approved often pay too much in interest.</p><p><blockquote>Upstart是一家金融科技公司，其使命是实现消费信贷行业的现代化。传统上，银行使用相对较小的数据集做出贷款决策——即使是最复杂的信贷模型也只包含30个变量。反过来，贷款人经常做出错误的决定。这意味着一些信誉良好的借款人被拒绝，而那些被批准的借款人往往支付过高的利息。</blockquote></p><p>Upstart uses big data and artificial intelligence to make that system more efficient. Specifically, its platform captures over 1,600 data points per applicant and measures those variables against repayment events. Put another way, each time a borrower makes or misses a payment, Upstart&#39;s AI models get a little smarter, creating a flywheel effect: More data means better AI, and better AI means more lending partners (and more data).</p><p><blockquote>Upstart使用大数据和人工智能来提高系统的效率。具体来说，其平台捕获了每个申请人1,600多个数据点，并根据还款事件衡量这些变量。换句话说，每次借款人付款或错过付款时，Upstart的人工智能模型都会变得更加智能，从而产生飞轮效应：更多的数据意味着更好的人工智能，而更好的人工智能意味着更多的贷款合作伙伴（和更多的数据）。</blockquote></p><p></p><p>Despite being a relatively young company, the early results are promising. Internal studies have shown that Upstart&#39;s AI models can reduce loss rates by 75%, while keeping approval rates constant. Alternatively, Upstart can boost approval rates by 173% while keeping loss rates constant.</p><p><blockquote>尽管是一家相对年轻的公司，但早期的结果很有希望。内部研究表明，Upstart的人工智能模型可以将损失率降低75%，同时保持批准率不变。或者，Upstart可以将支持率提高173%，同时保持损失率不变。</blockquote></p><p>Given those results, lenders like banks, credit unions, and auto dealerships are adopting Upstart&#39;s platform at a rapid pace, and that has fueled an impressive top-line performance over the past year.</p><p><blockquote>鉴于这些结果，银行、信用合作社和汽车经销商等贷款机构正在快速采用Upstart的平台，这推动了过去一年令人印象深刻的营收表现。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/a7fc6ec87c6a0aa6498067565dacf08e\" tg-width=\"1150\" tg-height=\"162\" width=\"100%\" height=\"auto\"/><span>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.</span></p><p><blockquote><p class=\"t-img-caption\"><span>资料来源：YCHARTS。TTM=过去12个月。</span></p></blockquote></p><p>Of particular note, unlike many high-growth companies, Upstart is profitable on a GAAP basis, as net income reached $77.5 million over the past 12 months. Even so, this fintech has hardly scratched the surface of its potential. In fact, Upstart powered $8.9 billion in loans in the last year, less than 2% of its $753 billion market opportunity, a figure that comprises both personal loan originations and auto loan originations in the U.S.</p><p><blockquote>特别值得注意的是，与许多高增长公司不同，Upstart在GAAP基础上实现盈利，过去12个月净利润达到7750万美元。即便如此，这项金融科技还没有触及其潜力的表面。事实上，Upstart去年提供了89亿美元的贷款，不到其7530亿美元市场机会的2%，这一数字包括美国的个人贷款发放和汽车贷款发放。</blockquote></p><p>However, Upstart&#39;s market opportunity will likely continue to grow over the coming decade, as management has expressed interest in the $4.5 trillion mortgage origination industry. To that end, I wouldn&#39;t be surprised to see Upstart&#39;s market cap climb from $9 billion today to $36 billion in 10 years&#39; time. That&#39;s why this growth stock looks like a smart long-term investment.</p><p><blockquote>然而，Upstart的市场机会在未来十年可能会继续增长，因为管理层已表达了对4.5万亿美元抵押贷款发放行业的兴趣。为此，如果看到Upstart的市值在10年内从今天的90亿美元攀升至360亿美元，我不会感到惊讶。这就是为什么这只成长型股票看起来是一项明智的长期投资。</blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.fool.com/investing/2022/01/20/want-1-million-2-monster-growth-stocks-to-buy-now/\">Motley Fool</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc.","SHOP":"Shopify Inc"},"source_url":"https://www.fool.com/investing/2022/01/20/want-1-million-2-monster-growth-stocks-to-buy-now/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1171199849","content_text":"Key PointsA long-term mindset and a diversified portfolio can help you build life-changing wealth.Shopify’s portfolio of software and services simplifies commerce for small businesses.Upstart’s AI models help banks lend money to more people without taking on additional risk.Legendary investor Peter Lynch once told investors: \"All you need for a lifetime of successful investing is a few big winners.\" He reasoned that the monster returns generated by a few investments would more than make up for any losses. And that makes sense. If you invest $10 in a stock, the worst outcome is a loss of $10. But there is no limit on the upside. That $10 could grow several-fold in value.Unfortunately, there is no single formula or valuation metric that will help you pick big winners with absolute certainty. That's why it's important to build a diversified portfolio. Put another way, investors should aim to own at least 25 high-quality stocks. Doing so minimizes your exposure to any single business or industry, which helps reduce downside risk.IMAGE SOURCE: GETTY IMAGES.With that in mind, Shopify and Upstart Holdings look like good building blocks for a market-beating portfolio. In fact, I think both stocks could grow fourfold over the next 10 years, a pace that would turn $250,000 into $1 million.Here's why.1. ShopifyShopify has become the retail operating system for over 1.7 million businesses. Its portfolio of software and services helps merchants manage sales across physical and digital storefronts, including websites, social platforms, and online marketplaces. Additionally, the Shopify App Store offers thousands of additional software solutions, such as tools for marketing and enterprise resource planning.Of particular note, the company's business model differentiates it from rivals like Amazon. Specifically, Shopify helps merchants grow their brands and build lasting relationships with customers -- the company doesn't pull sellers onto a common marketplace then compete against them by selling similar products at cheaper prices.Not surprisingly, Shopify's merchant-centric business model and broad product portfolio have it made quite popular with small- and medium-sized businesses, as evidenced by the company's impressive sales growth over the past 12 months.SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.Impressively, Shopify has grown its bottom line even more quickly, as free cash flow surged 150% to $458 million over the past year. And the company is well-positioned to maintain that momentum, as its founder-led management team is executing on a robust growth strategy.For instance, the Shopify Fulfillment Network leans on artificial intelligence and collaborative robots to help merchants ship orders more quickly and cost-effectively. And the Shop mobile app aims to drive buyer engagement and boost repeat purchases by making relevant product recommendations. In fact, despite launching in April 2020, the Shop app surpassed 118 million registered users in the second quarter of 2021, and that number continued to rise in the third quarter.Shopify is currently the most popular e-commerce software platform on the market, powering 27% of all online storefronts. In short, the company has a strong competitive position, and management's ambitious vision should help Shopify capitalize on its $153 billion market opportunity. That's why I think this company could grow fourfold over the next 10 years, achieving a market cap of $550 billion.2. Upstart HoldingsUpstart is a fintech company on a mission to modernize the consumer credit industry. Traditionally, banks have made lending decisions using relatively small data sets -- even the most sophisticated credit models incorporate just 30 variables. In turn, lenders frequently make the wrong decisions. That means some creditworthy borrowers are rejected, and those that are approved often pay too much in interest.Upstart uses big data and artificial intelligence to make that system more efficient. Specifically, its platform captures over 1,600 data points per applicant and measures those variables against repayment events. Put another way, each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a flywheel effect: More data means better AI, and better AI means more lending partners (and more data).Despite being a relatively young company, the early results are promising. Internal studies have shown that Upstart's AI models can reduce loss rates by 75%, while keeping approval rates constant. Alternatively, Upstart can boost approval rates by 173% while keeping loss rates constant.Given those results, lenders like banks, credit unions, and auto dealerships are adopting Upstart's platform at a rapid pace, and that has fueled an impressive top-line performance over the past year.SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.Of particular note, unlike many high-growth companies, Upstart is profitable on a GAAP basis, as net income reached $77.5 million over the past 12 months. Even so, this fintech has hardly scratched the surface of its potential. In fact, Upstart powered $8.9 billion in loans in the last year, less than 2% of its $753 billion market opportunity, a figure that comprises both personal loan originations and auto loan originations in the U.S.However, Upstart's market opportunity will likely continue to grow over the coming decade, as management has expressed interest in the $4.5 trillion mortgage origination industry. To that end, I wouldn't be surprised to see Upstart's market cap climb from $9 billion today to $36 billion in 10 years' time. That's why this growth stock looks like a smart long-term investment.","news_type":1,"symbols_score_info":{"SHOP":0.9,"UPST":0.9}},"isVote":1,"tweetType":1,"viewCount":3203,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":697532996,"gmtCreate":1642514418722,"gmtModify":1642514418722,"author":{"id":"4104019644985520","authorId":"4104019644985520","name":"Mom of 2","avatar":"https://static.tigerbbs.com/6c4dd5527b1302befdc0a9fc81d3282c","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4104019644985520","idStr":"4104019644985520"},"themes":[],"htmlText":"👍","listText":"👍","text":"👍","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/697532996","repostId":"1145183275","repostType":4,"isVote":1,"tweetType":1,"viewCount":2514,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":633352239,"gmtCreate":1643800654429,"gmtModify":1643800654429,"author":{"id":"4104019644985520","authorId":"4104019644985520","name":"Mom of 2","avatar":"https://static.tigerbbs.com/6c4dd5527b1302befdc0a9fc81d3282c","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4104019644985520","idStr":"4104019644985520"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/CROX\">$Crocs(CROX)$</a>rocket to the moon!!","listText":"<a href=\"https://laohu8.com/S/CROX\">$Crocs(CROX)$</a>rocket to the moon!!","text":"$Crocs(CROX)$rocket to the moon!!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/633352239","isVote":1,"tweetType":1,"viewCount":3199,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":630002589,"gmtCreate":1642610808855,"gmtModify":1642610809006,"author":{"id":"4104019644985520","authorId":"4104019644985520","name":"Mom of 2","avatar":"https://static.tigerbbs.com/6c4dd5527b1302befdc0a9fc81d3282c","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4104019644985520","idStr":"4104019644985520"},"themes":[],"htmlText":"Good to buy XLP!","listText":"Good to buy XLP!","text":"Good to buy XLP!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/630002589","repostId":"2204465056","repostType":4,"isVote":1,"tweetType":1,"viewCount":2212,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":697532344,"gmtCreate":1642514459772,"gmtModify":1642514459772,"author":{"id":"4104019644985520","authorId":"4104019644985520","name":"Mom of 2","avatar":"https://static.tigerbbs.com/6c4dd5527b1302befdc0a9fc81d3282c","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4104019644985520","idStr":"4104019644985520"},"themes":[],"htmlText":"Rocket to the sky!","listText":"Rocket to the sky!","text":"Rocket to the sky!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/697532344","repostId":"2204570030","repostType":4,"repost":{"id":"2204570030","kind":"highlight","pubTimestamp":1642511989,"share":"https://www.laohu8.com/m/news/2204570030?lang=zh_CN&edition=full","pubTime":"2022-01-18 21:19","market":"us","language":"en","title":"Drugmaker Endo signs $65 mln opioid settlement with Florida<blockquote>制药商Endo与佛罗里达州签署6500万美元的阿片类药物和解协议</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=2204570030","media":"Reuters","summary":"(Reuters) - Drugmaker Endo International plc said on Tuesday it had agreed to pay up to $65 million ","content":"<p><html><head></head><body>(Reuters) - Drugmaker <a href=\"https://laohu8.com/S/ENDP\">Endo International plc</a> said on Tuesday it had agreed to pay up to $65 million to resolve claims by the state of Florida and local governments that the drugmaker helped fuel the U.S. opioid epidemic.</p><p><blockquote><html><head></head><body>（路透社）-制药商<a href=\"https://laohu8.com/S/ENDP\">远藤国际有限公司</a>周二表示，已同意支付高达6500万美元，以解决佛罗里达州和地方政府关于该制药商帮助加剧美国阿片类药物流行的指控。</body></html></blockquote></p><p>The deal is the latest in a string of settlements that Endo has struck in recent months to resolve similar cases, including a $63 million settlement with Texas in December.</p><p><blockquote>这笔交易是远藤近几个月来为解决类似案件而达成的一系列和解中的最新一起，其中包括去年12月与德克萨斯州达成的6300万美元和解。</blockquote></p><p>The Florida settlement included no admission of wrongdoing, Endo said, while reiterating that its goal was to achieve a global opioid settlement.</p><p><blockquote>远藤说，佛罗里达州的和解不包括承认不当行为，同时重申其目标是实现全球阿片类药物和解。</blockquote></p><p>Thousands of lawsuits have been filed seeking to hold drugmakers, drug distributors and pharmacy chains responsible for a drug abuse crisis, which the U.S. government says has led to hundreds of thousands of overdose deaths over two decades.</p><p><blockquote>已提起数千起诉讼，要求制药商、药品分销商和连锁药店对药物滥用危机负责，美国政府表示，二十年来，这场危机已导致数十万人因药物过量死亡。</blockquote></p><p>Endo shares rose nearly 4% to $3.40 in premarket trading.</p><p><blockquote>Endo股价在盘前交易中上涨近4%至3.40美元。</blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></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>Drugmaker Endo signs $65 mln opioid settlement with Florida<blockquote>制药商Endo与佛罗里达州签署6500万美元的阿片类药物和解协议</blockquote></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\">\nDrugmaker Endo signs $65 mln opioid settlement with Florida<blockquote>制药商Endo与佛罗里达州签署6500万美元的阿片类药物和解协议</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Reuters</strong><span class=\"h-time small\">2022-01-18 21:19</span>\n</p>\n</h4>\n</header>\n<article>\n<p><html><head></head><body>(Reuters) - Drugmaker <a href=\"https://laohu8.com/S/ENDP\">Endo International plc</a> said on Tuesday it had agreed to pay up to $65 million to resolve claims by the state of Florida and local governments that the drugmaker helped fuel the U.S. opioid epidemic.</p><p><blockquote><html><head></head><body>（路透社）-制药商<a href=\"https://laohu8.com/S/ENDP\">远藤国际有限公司</a>周二表示，已同意支付高达6500万美元，以解决佛罗里达州和地方政府关于该制药商帮助加剧美国阿片类药物流行的指控。</body></html></blockquote></p><p>The deal is the latest in a string of settlements that Endo has struck in recent months to resolve similar cases, including a $63 million settlement with Texas in December.</p><p><blockquote>这笔交易是远藤近几个月来为解决类似案件而达成的一系列和解中的最新一起，其中包括去年12月与德克萨斯州达成的6300万美元和解。</blockquote></p><p>The Florida settlement included no admission of wrongdoing, Endo said, while reiterating that its goal was to achieve a global opioid settlement.</p><p><blockquote>远藤说，佛罗里达州的和解不包括承认不当行为，同时重申其目标是实现全球阿片类药物和解。</blockquote></p><p>Thousands of lawsuits have been filed seeking to hold drugmakers, drug distributors and pharmacy chains responsible for a drug abuse crisis, which the U.S. government says has led to hundreds of thousands of overdose deaths over two decades.</p><p><blockquote>已提起数千起诉讼，要求制药商、药品分销商和连锁药店对药物滥用危机负责，美国政府表示，二十年来，这场危机已导致数十万人因药物过量死亡。</blockquote></p><p>Endo shares rose nearly 4% to $3.40 in premarket trading.</p><p><blockquote>Endo股价在盘前交易中上涨近4%至3.40美元。</blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://finance.yahoo.com/news/drugmaker-endo-signs-65-million-125249634.html\">Reuters</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4007":"制药","BK4557":"大麻股"},"source_url":"https://finance.yahoo.com/news/drugmaker-endo-signs-65-million-125249634.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2204570030","content_text":"(Reuters) - Drugmaker Endo International plc said on Tuesday it had agreed to pay up to $65 million to resolve claims by the state of Florida and local governments that the drugmaker helped fuel the U.S. opioid epidemic.The deal is the latest in a string of settlements that Endo has struck in recent months to resolve similar cases, including a $63 million settlement with Texas in December.The Florida settlement included no admission of wrongdoing, Endo said, while reiterating that its goal was to achieve a global opioid settlement.Thousands of lawsuits have been filed seeking to hold drugmakers, drug distributors and pharmacy chains responsible for a drug abuse crisis, which the U.S. government says has led to hundreds of thousands of overdose deaths over two decades.Endo shares rose nearly 4% to $3.40 in premarket trading.","news_type":1,"symbols_score_info":{"ENDP":0.9}},"isVote":1,"tweetType":1,"viewCount":2430,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"lives":[]}