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2021-03-18

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2 Tech Stocks That Could Make You Rich<blockquote>2只可以让你致富的科技股</blockquote>

These tech companies are disrupting the status quo -- that could mean big gains for investors. As t

2 Tech Stocks That Could Make You Rich<blockquote>2只可以让你致富的科技股</blockquote>

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As time passes and technology changes, some well-established enterprises will fade from relevance as lesser-known start-ups rise in their place. The tricky part is finding those potentially life-changing investments early on.<blockquote>这些科技公司正在打破现状——这可能意味着投资者获得巨大收益。随着时间的推移和技术的变化，一些成熟的企业将失去相关性，因为不太知名的初创企业将取而代之。棘手的部分是尽早找到那些可能改变生活的投资。</blockquote> Fortunately, companies that achieve great success tend to havecertain traits in common. For instance, they are often first movers in emerging industries. That could mean developing a new product or tackling an old problem with a novel solution.<blockquote>幸运的是，取得巨大成功的公司往往具有某些共同特征。例如，他们通常是新兴行业的先行者。这可能意味着开发新产品或用新的解决方案解决老问题。</blockquote> Enterprises likeLemonade(NYSE:LMND)andArista Networks(NYSE:ANET)check that box. Here's why investing in these two tech companies could make you rich.<blockquote>企业喜欢柠檬汽水（纽约证券交易所代码：LMND）和阿里斯塔网络（纽约证券交易所代码：ANET）选中该框。这就是为什么投资这两家科技公司可以让你变得富有。</blockquote> 1. Lemonade: AI-powered insurance<blockquote>1.柠檬水：人工智能驱动的保险</blockquote> Lemonade is atech companythat sells insurance. Though its initial focus was on renters and homeowners policies, it entered the pet insurance&nbsp;andterm life insurancemarkets in 2020, and it plans to expand its portfolio again in 2021.<blockquote>Lemonade是一家销售保险的科技公司。尽管其最初的重点是租房者和房主保单，但它于2020年进入宠物保险和定期人寿保险市场，并计划在2021年再次扩大其投资组合。</blockquote> Lemonade's digital approach to insurance differs dramatically from its rivals. While traditional insurers have agents who sell policies and handle claims, Lemonade automates these processes with AI-powered chatbots. In fact, the company uses artificial intelligence to improve virtually every aspect of its business: Marketing, underwriting, fraud detection, and the customer experience.<blockquote>Lemonade的数字保险方法与其竞争对手有很大不同。虽然传统保险公司有销售保单和处理索赔的代理人，但Lemonade通过人工智能聊天机器人实现了这些流程的自动化。事实上，该公司使用人工智能来改善其业务的几乎每个方面：营销、承保、欺诈检测和客户体验。</blockquote> So far, the results are encouraging. Lemonade's loss ratio dropped to 71%&nbsp;in 2020, meaning the company paid out $0.71 in claims for every $1 in earned premiums. That's a big improvement from its 161% loss ratio in 2017. More importantly, it puts Lemonade roughly in line with the top 20 property and casualty (P&amp;C) insurance companies, which have an average loss ratio of roughly 72%&nbsp;in recent years.<blockquote>到目前为止，结果令人鼓舞。Lemonade的损失率在2020年降至71%，这意味着该公司每赚取1美元的保费就需要支付0.71美元的理赔。这比2017年161%的损失率有了很大改善。更重要的是，它使Lemonade与排名前20的财产和意外伤害(P&amp;C)保险公司大致持平，这些公司近年来的平均损失率约为72%。</blockquote> Likewise, Lemonade's sales and marketing expenses actually decreased 9%&nbsp;in 2020, but its customer base grew 56%&nbsp;and its premium per customer grew 20%&nbsp;during the same time period. In other words, Lemonade's AI-powered marketing is becoming more efficient.<blockquote>同样，Lemonade的销售和营销费用在2020年实际上下降了9%，但同期其客户群增长了56%，每位客户的保费增长了20%。换句话说，Lemonade的人工智能营销正在变得更加高效。</blockquote> Moreover, the addition of new customers (and the rising premium per customer) have powered impressive growth in gross profit.<blockquote>此外，新客户的增加（以及每位客户保费的上升）推动了毛利润的惊人增长。</blockquote> <img src=\"https://static.tigerbbs.com/7fe9c0bb388bfcabfac1abcc4df7859f\" tg-width=\"788\" tg-height=\"130\">But Lemonade has one more trick up its sleeve. The company also purchases reinsurance (insurance for insurance companies) to make its business less volatile. While this strategy cuts into Lemonade's top line, it also stabilizes its gross margin -- in fact, management estimates that Lemonade's gross margin will vary by no more than 3%&nbsp;in 95 out of every 100 years. That type of consistency is impressive in an industry that can literally depend on the weather.<blockquote>但是柠檬水还有一个锦囊妙计。该公司还购买再保险（保险公司的保险）以降低其业务的波动性。虽然这一策略削减了Lemonade的营收，但也稳定了其毛利率——事实上，管理层估计，每100年中有95年，Lemonade的毛利率变化不会超过3%。在一个实际上取决于天气的行业中，这种一致性令人印象深刻。</blockquote> Investors should be aware that Lemonade is much smaller than market-leading rivals likeBerkshire Hathaway's group of insurance brands andAllstate. But the insurance industry is enormous, generating over $5 trillion&nbsp;in annual premiums worldwide. That means Lemonade has a massive opportunity, and capturing even a few percentage points of that market would translate into tens of billions of dollars on the top line. Moreover, the company's AI-powered business should give it a long-term advantage over its rivals.<blockquote>投资者应该意识到Lemonade比市场领先的竞争对手小得多，例如伯克希尔哈撒韦的保险品牌集团和好事达但保险业规模庞大，在全球范围内每年产生超过5万亿美元的保费。这意味着柠檬水拥有巨大的机会，即使占领该市场几个百分点也将转化为数百亿美元的营收。此外，该公司的人工智能业务应该会使其相对于竞争对手具有长期优势。</blockquote> 2. Arista Networks: Software-driven networking<blockquote>2.Arista Networks：软件驱动的网络</blockquote> Arista provides networking solutions (switches and software) for data centers and enterprise campus environments. Since its inception, the company's software-driven approach to networking&nbsp;has differentiated it fromCiscoandJuniper Networks. For example, rather than selling discrete routers like&nbsp;its&nbsp;rivals, Arista's software allows its R-Series switches to double as advanced routing platforms. This reduces cost&nbsp;and complexity for Arista's clients.<blockquote>Arista为数据中心和企业园区环境提供网络解决方案（交换机和软件）。自成立以来，该公司软件驱动的网络方法使其与思科和瞻博网络例如，Arista的软件允许其R系列交换机兼作高级路由平台，而不是像竞争对手那样销售独立路由器。这降低了Arista客户的成本和复杂性。</blockquote> As part of its enterprise portfolio, Arista launched its 750 series campus switch last November. This new product line offers 400 Gbps (gigabits per second) of total bandwidth -- five&nbsp;times more than the closest competitor -- and helps clients create fast, secure WiFi networks. Like all Arista hardware, these new switches are powered by merchant silicon&nbsp;rather than costly proprietary chips used by rivals.<blockquote>作为其企业产品组合的一部分，Arista去年11月推出了750系列园区交换机。这一新产品线提供400 Gbps（每秒千兆位）的总带宽，是最接近的竞争对手的五倍，并帮助客户创建快速、安全的WiFi网络。与所有Arista硬件一样，这些新交换机由商用硅驱动，而不是竞争对手使用的昂贵的专有芯片。</blockquote> Arista's decision to use merchant silicon has been a big advantage for two reasons. First, it allows the company to launch new products quickly while still incorporating the latest chip technology. Second, it makes Arista more efficient than its rivals, because the company doesn't spend money to develop chips in-house. Ultimately, Arista can pass those savings on to customers, meaning its products come at a better price-to-performance ratio.<blockquote>Arista决定使用商用硅是一个很大的优势，原因有二。首先，它允许公司快速推出新产品，同时仍然采用最新的芯片技术。其次，它使Arista比竞争对手更高效，因为该公司不花钱在内部开发芯片。最终，Arista可以将这些节省转嫁给客户，这意味着其产品具有更好的性价比。</blockquote> Over the last decade, these advantages have helped Arista take significant market share in the high-speed data center switching market (10 Gbps and above). Meanwhile, Cisco's market share has trended downward, though the company is still the leader.<blockquote>在过去十年中，这些优势帮助Arista在高速数据中心交换市场（10 Gbps及以上）中占据了重要的市场份额。与此同时，思科的市场份额呈下降趋势，尽管该公司仍然是领导者。</blockquote> <img src=\"https://static.tigerbbs.com/db8a65fe6051b194a534671172a1615d\" tg-width=\"789\" tg-height=\"171\">In the coming years, the proliferation of connected devices (thinkInternet of Things) and computer-intensive applications (thinkartificial intelligence) will place more demand on data centers. That will create a need for more powerful networking solutions. As theleading providerof 100 Gbps and 400 Gbps switches, Arista is well-positioned to grow its top line quickly and continue taking market share.<blockquote>未来几年，互联设备（Think物联网）和计算机密集型应用（Think人工智能）的激增将对数据中心提出更多需求。这将产生对更强大网络解决方案的需求。作为100 Gbps和400 Gbps交换机的领先提供商，Arista处于有利地位，可以快速增长其营收并继续占据市场份额。</blockquote>","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>2 Tech Stocks That Could Make You Rich<blockquote>2只可以让你致富的科技股</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\">\n2 Tech Stocks That Could Make You Rich<blockquote>2只可以让你致富的科技股</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nMotley Fool2021-03-18 20:29\n\n</h4>\n</header>\n<article>\n These tech companies are disrupting the status quo -- that could mean big gains for investors. As time passes and technology changes, some well-established enterprises will fade from relevance as lesser-known start-ups rise in their place. The tricky part is finding those potentially life-changing investments early on.<blockquote>这些科技公司正在打破现状——这可能意味着投资者获得巨大收益。随着时间的推移和技术的变化，一些成熟的企业将失去相关性，因为不太知名的初创企业将取而代之。棘手的部分是尽早找到那些可能改变生活的投资。</blockquote> Fortunately, companies that achieve great success tend to havecertain traits in common. For instance, they are often first movers in emerging industries. That could mean developing a new product or tackling an old problem with a novel solution.<blockquote>幸运的是，取得巨大成功的公司往往具有某些共同特征。例如，他们通常是新兴行业的先行者。这可能意味着开发新产品或用新的解决方案解决老问题。</blockquote> Enterprises likeLemonade(NYSE:LMND)andArista Networks(NYSE:ANET)check that box. Here's why investing in these two tech companies could make you rich.<blockquote>企业喜欢柠檬汽水（纽约证券交易所代码：LMND）和阿里斯塔网络（纽约证券交易所代码：ANET）选中该框。这就是为什么投资这两家科技公司可以让你变得富有。</blockquote> 1. Lemonade: AI-powered insurance<blockquote>1.柠檬水：人工智能驱动的保险</blockquote> Lemonade is atech companythat sells insurance. Though its initial focus was on renters and homeowners policies, it entered the pet insurance&nbsp;andterm life insurancemarkets in 2020, and it plans to expand its portfolio again in 2021.<blockquote>Lemonade是一家销售保险的科技公司。尽管其最初的重点是租房者和房主保单，但它于2020年进入宠物保险和定期人寿保险市场，并计划在2021年再次扩大其投资组合。</blockquote> Lemonade's digital approach to insurance differs dramatically from its rivals. While traditional insurers have agents who sell policies and handle claims, Lemonade automates these processes with AI-powered chatbots. In fact, the company uses artificial intelligence to improve virtually every aspect of its business: Marketing, underwriting, fraud detection, and the customer experience.<blockquote>Lemonade的数字保险方法与其竞争对手有很大不同。虽然传统保险公司有销售保单和处理索赔的代理人，但Lemonade通过人工智能聊天机器人实现了这些流程的自动化。事实上，该公司使用人工智能来改善其业务的几乎每个方面：营销、承保、欺诈检测和客户体验。</blockquote> So far, the results are encouraging. Lemonade's loss ratio dropped to 71%&nbsp;in 2020, meaning the company paid out $0.71 in claims for every $1 in earned premiums. That's a big improvement from its 161% loss ratio in 2017. More importantly, it puts Lemonade roughly in line with the top 20 property and casualty (P&amp;C) insurance companies, which have an average loss ratio of roughly 72%&nbsp;in recent years.<blockquote>到目前为止，结果令人鼓舞。Lemonade的损失率在2020年降至71%，这意味着该公司每赚取1美元的保费就需要支付0.71美元的理赔。这比2017年161%的损失率有了很大改善。更重要的是，它使Lemonade与排名前20的财产和意外伤害(P&amp;C)保险公司大致持平，这些公司近年来的平均损失率约为72%。</blockquote> Likewise, Lemonade's sales and marketing expenses actually decreased 9%&nbsp;in 2020, but its customer base grew 56%&nbsp;and its premium per customer grew 20%&nbsp;during the same time period. In other words, Lemonade's AI-powered marketing is becoming more efficient.<blockquote>同样，Lemonade的销售和营销费用在2020年实际上下降了9%，但同期其客户群增长了56%，每位客户的保费增长了20%。换句话说，Lemonade的人工智能营销正在变得更加高效。</blockquote> Moreover, the addition of new customers (and the rising premium per customer) have powered impressive growth in gross profit.<blockquote>此外，新客户的增加（以及每位客户保费的上升）推动了毛利润的惊人增长。</blockquote> <img src=\"https://static.tigerbbs.com/7fe9c0bb388bfcabfac1abcc4df7859f\" tg-width=\"788\" tg-height=\"130\">But Lemonade has one more trick up its sleeve. The company also purchases reinsurance (insurance for insurance companies) to make its business less volatile. While this strategy cuts into Lemonade's top line, it also stabilizes its gross margin -- in fact, management estimates that Lemonade's gross margin will vary by no more than 3%&nbsp;in 95 out of every 100 years. That type of consistency is impressive in an industry that can literally depend on the weather.<blockquote>但是柠檬水还有一个锦囊妙计。该公司还购买再保险（保险公司的保险）以降低其业务的波动性。虽然这一策略削减了Lemonade的营收，但也稳定了其毛利率——事实上，管理层估计，每100年中有95年，Lemonade的毛利率变化不会超过3%。在一个实际上取决于天气的行业中，这种一致性令人印象深刻。</blockquote> Investors should be aware that Lemonade is much smaller than market-leading rivals likeBerkshire Hathaway's group of insurance brands andAllstate. But the insurance industry is enormous, generating over $5 trillion&nbsp;in annual premiums worldwide. That means Lemonade has a massive opportunity, and capturing even a few percentage points of that market would translate into tens of billions of dollars on the top line. Moreover, the company's AI-powered business should give it a long-term advantage over its rivals.<blockquote>投资者应该意识到Lemonade比市场领先的竞争对手小得多，例如伯克希尔哈撒韦的保险品牌集团和好事达但保险业规模庞大，在全球范围内每年产生超过5万亿美元的保费。这意味着柠檬水拥有巨大的机会，即使占领该市场几个百分点也将转化为数百亿美元的营收。此外，该公司的人工智能业务应该会使其相对于竞争对手具有长期优势。</blockquote> 2. Arista Networks: Software-driven networking<blockquote>2.Arista Networks：软件驱动的网络</blockquote> Arista provides networking solutions (switches and software) for data centers and enterprise campus environments. Since its inception, the company's software-driven approach to networking&nbsp;has differentiated it fromCiscoandJuniper Networks. For example, rather than selling discrete routers like&nbsp;its&nbsp;rivals, Arista's software allows its R-Series switches to double as advanced routing platforms. This reduces cost&nbsp;and complexity for Arista's clients.<blockquote>Arista为数据中心和企业园区环境提供网络解决方案（交换机和软件）。自成立以来，该公司软件驱动的网络方法使其与思科和瞻博网络例如，Arista的软件允许其R系列交换机兼作高级路由平台，而不是像竞争对手那样销售独立路由器。这降低了Arista客户的成本和复杂性。</blockquote> As part of its enterprise portfolio, Arista launched its 750 series campus switch last November. This new product line offers 400 Gbps (gigabits per second) of total bandwidth -- five&nbsp;times more than the closest competitor -- and helps clients create fast, secure WiFi networks. Like all Arista hardware, these new switches are powered by merchant silicon&nbsp;rather than costly proprietary chips used by rivals.<blockquote>作为其企业产品组合的一部分，Arista去年11月推出了750系列园区交换机。这一新产品线提供400 Gbps（每秒千兆位）的总带宽，是最接近的竞争对手的五倍，并帮助客户创建快速、安全的WiFi网络。与所有Arista硬件一样，这些新交换机由商用硅驱动，而不是竞争对手使用的昂贵的专有芯片。</blockquote> Arista's decision to use merchant silicon has been a big advantage for two reasons. First, it allows the company to launch new products quickly while still incorporating the latest chip technology. Second, it makes Arista more efficient than its rivals, because the company doesn't spend money to develop chips in-house. Ultimately, Arista can pass those savings on to customers, meaning its products come at a better price-to-performance ratio.<blockquote>Arista决定使用商用硅是一个很大的优势，原因有二。首先，它允许公司快速推出新产品，同时仍然采用最新的芯片技术。其次，它使Arista比竞争对手更高效，因为该公司不花钱在内部开发芯片。最终，Arista可以将这些节省转嫁给客户，这意味着其产品具有更好的性价比。</blockquote> Over the last decade, these advantages have helped Arista take significant market share in the high-speed data center switching market (10 Gbps and above). Meanwhile, Cisco's market share has trended downward, though the company is still the leader.<blockquote>在过去十年中，这些优势帮助Arista在高速数据中心交换市场（10 Gbps及以上）中占据了重要的市场份额。与此同时，思科的市场份额呈下降趋势，尽管该公司仍然是领导者。</blockquote> <img src=\"https://static.tigerbbs.com/db8a65fe6051b194a534671172a1615d\" tg-width=\"789\" tg-height=\"171\">In the coming years, the proliferation of connected devices (thinkInternet of Things) and computer-intensive applications (thinkartificial intelligence) will place more demand on data centers. That will create a need for more powerful networking solutions. As theleading providerof 100 Gbps and 400 Gbps switches, Arista is well-positioned to grow its top line quickly and continue taking market share.<blockquote>未来几年，互联设备（Think物联网）和计算机密集型应用（Think人工智能）的激增将对数据中心提出更多需求。这将产生对更强大网络解决方案的需求。作为100 Gbps和400 Gbps交换机的领先提供商，Arista处于有利地位，可以快速增长其营收并继续占据市场份额。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.fool.com/investing/2021/03/18/2-tech-stocks-that-could-make-you-rich/\">Motley Fool</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LMND":"Lemonade, Inc.","ANET":"Arista Networks, Inc."},"source_url":"https://www.fool.com/investing/2021/03/18/2-tech-stocks-that-could-make-you-rich/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1162260876","content_text":"These tech companies are disrupting the status quo -- that could mean big gains for investors.\n\nAs time passes and technology changes, some well-established enterprises will fade from relevance as lesser-known start-ups rise in their place. The tricky part is finding those potentially life-changing investments early on.\nFortunately, companies that achieve great success tend to havecertain traits in common. For instance, they are often first movers in emerging industries. That could mean developing a new product or tackling an old problem with a novel solution.\nEnterprises likeLemonade(NYSE:LMND)andArista Networks(NYSE:ANET)check that box. Here's why investing in these two tech companies could make you rich.\n1. Lemonade: AI-powered insurance\nLemonade is atech companythat sells insurance. Though its initial focus was on renters and homeowners policies, it entered the pet insurance andterm life insurancemarkets in 2020, and it plans to expand its portfolio again in 2021.\nLemonade's digital approach to insurance differs dramatically from its rivals. While traditional insurers have agents who sell policies and handle claims, Lemonade automates these processes with AI-powered chatbots. In fact, the company uses artificial intelligence to improve virtually every aspect of its business: Marketing, underwriting, fraud detection, and the customer experience.\nSo far, the results are encouraging. Lemonade's loss ratio dropped to 71% in 2020, meaning the company paid out $0.71 in claims for every $1 in earned premiums. That's a big improvement from its 161% loss ratio in 2017. More importantly, it puts Lemonade roughly in line with the top 20 property and casualty (P&C) insurance companies, which have an average loss ratio of roughly 72% in recent years.\nLikewise, Lemonade's sales and marketing expenses actually decreased 9% in 2020, but its customer base grew 56% and its premium per customer grew 20% during the same time period. In other words, Lemonade's AI-powered marketing is becoming more efficient.\nMoreover, the addition of new customers (and the rising premium per customer) have powered impressive growth in gross profit.\nBut Lemonade has one more trick up its sleeve. The company also purchases reinsurance (insurance for insurance companies) to make its business less volatile. While this strategy cuts into Lemonade's top line, it also stabilizes its gross margin -- in fact, management estimates that Lemonade's gross margin will vary by no more than 3% in 95 out of every 100 years. That type of consistency is impressive in an industry that can literally depend on the weather.\nInvestors should be aware that Lemonade is much smaller than market-leading rivals likeBerkshire Hathaway's group of insurance brands andAllstate. But the insurance industry is enormous, generating over $5 trillion in annual premiums worldwide. That means Lemonade has a massive opportunity, and capturing even a few percentage points of that market would translate into tens of billions of dollars on the top line. Moreover, the company's AI-powered business should give it a long-term advantage over its rivals.\n2. Arista Networks: Software-driven networking\nArista provides networking solutions (switches and software) for data centers and enterprise campus environments. Since its inception, the company's software-driven approach to networking has differentiated it fromCiscoandJuniper Networks. For example, rather than selling discrete routers like its rivals, Arista's software allows its R-Series switches to double as advanced routing platforms. This reduces cost and complexity for Arista's clients.\nAs part of its enterprise portfolio, Arista launched its 750 series campus switch last November. This new product line offers 400 Gbps (gigabits per second) of total bandwidth -- five times more than the closest competitor -- and helps clients create fast, secure WiFi networks. Like all Arista hardware, these new switches are powered by merchant silicon rather than costly proprietary chips used by rivals.\nArista's decision to use merchant silicon has been a big advantage for two reasons. First, it allows the company to launch new products quickly while still incorporating the latest chip technology. Second, it makes Arista more efficient than its rivals, because the company doesn't spend money to develop chips in-house. Ultimately, Arista can pass those savings on to customers, meaning its products come at a better price-to-performance ratio.\nOver the last decade, these advantages have helped Arista take significant market share in the high-speed data center switching market (10 Gbps and above). Meanwhile, Cisco's market share has trended downward, though the company is still the leader.\nIn the coming years, the proliferation of connected devices (thinkInternet of Things) and computer-intensive applications (thinkartificial intelligence) will place more demand on data centers. That will create a need for more powerful networking solutions. As theleading providerof 100 Gbps and 400 Gbps switches, Arista is well-positioned to grow its top line quickly and continue taking market share.","news_type":1,"symbols_score_info":{"LMND":0.9,"ANET":0.9}},"isVote":1,"tweetType":1,"viewCount":2135,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":8,"xxTargetLangEnum":"ORIG"},"commentList":[],"hasMoreComment":false,"orderType":2}