Threats
Section titled “Threats”AI will soon be able to provide education, analysis, implementation and monitoring of many investment strategies, probably for free.
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How does this impact my $MART DEBT strategic plan? Should I continue to build a $MART DEBT education and analysis app? Or should I partner with Nexus trade or similar? Or should the app be AI agent driven for both personalized education and analysis?
- A: Stick to original plan. It will take many years for AI to replace well-designed and valuable user experiences delivered by a trusted leader in client-first education, analysis, and strategies. Even when quality education is available free (like you can now get online for every financial topic), many will prefer a trusted human solution.
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Are existing publishers doomed? Well, by-and-large yes, but that’s because they have been doomed for a long time. People using AI instead of Google — or Google using AI to provide answers above links — make the long-term outlook for advertising-based publishers worse, but that’s an acceleration of a demise that has been in motion for a long time.
The new opportunity for publishing is to make communities. This is something that AI, particularly as it manifests today, is fundamentally unsuited to: all of that content generated by LLMs is individualized; what you ask, and what the AI answers, is distinct from what I ask, and what answers I receive. This is great for getting things done, but it’s useless for creating common ground…
$MART DEBT Coach has the potential to be a totem pole around which communities can form. There is a need for community, and content, whether it be an essay, a podcast, or a video, can be artifacts around which communities can form and sustain themselves, ultimately to the economic benefit of the content creator.
Finance AI Developments
Section titled “Finance AI Developments”- Anthropic launches finance-specific Claude with built-in data connectors, higher limits and prompt libraries (2025JL); Claude for Financial Services
Leveraged Investment Products
Section titled “Leveraged Investment Products”- In recent years, investment products that use leverage conservatively have entered the Canadian and US investment markets
- Hamilton ETFs
- HFN: 25% leverage on Canadian bank stocks
- Investors Group introduced an investment product with 30% leverage (2025)
- Hamilton ETFs
- Bull/Bear Leveraged ETFs
- In the US, two and three times leverage on equity indices have been available for many years, but these initially came with daily resets that did not result in expected long term magnified gains and losses.
- Recent developments have tried to reduce this negative impact by having monthly or quarterly resets, giving more predictable medium term outcomes
- Leveraged Products Trend
- Investment product innovation will only continue, including products that use leveraging in various ways
- In the US, a new 401(K) offering provides savers $4 of leverage for every dollar invested, an industry first.