Research N Design Finance

I test investing apps, robo advisors, and tax hacks with my own money so you don't have to. Real accounts, real numbers. New video every Wednesday.

[Research N Design Finance @RNDFinance]

New video: I gave ChatGPT, Claude and Gemini $500 each to invest. 30 days, real money, with a boring S&P 500 fund as the benchmark. Who wins? https://t.co/Fp4lX7kCeg

[Research N Design Finance @RNDFinance]

10000%

[Amy Nixon @texasrunnerDFW]

The items from the Democratic Socialist Platform are things you can get outside of the political system by simply…having a family

In fact, the nuclear family functions as a mini-socialist system: Pooled resources, shared healthcare costs, reduced work hours, shared labor, more affordable housing

The goverment is not your family. They’re never going to provide resources and support you as efficiently as the family and friendships that you establish on your own can

[Research N Design Finance @RNDFinance]

Robinhood showed me 4.35% so I started moving my savings out of Wealthfront. Then I did the math: it's a 60 day boost, the real gap is $5 a year, Gold costs $50, and it insures 32x less. Full breakdown:
https://t.co/kZyQ0JJ06w

[Research N Design Finance @RNDFinance]

Would you let a chatbot pick stocks with money you could afford to lose, or is the homework the only part worth handing to AI?

[Research N Design Finance @RNDFinance]

A 2026 study let ChatGPT, Claude and Gemini pick stocks daily for 8 months. They beat the S&P 500 on paper. The catch: 41% in chip stocks vs about 20% for the index, and a beta of 1.6. Adjust for that and the edge vanished. My $1,500 real-money test: https://t.co/Fp4lX7k4oI

[Research N Design Finance @RNDFinance]

Have you ever turned on a strategy that backtested great and then flopped the first month it ran live?

[Research N Design Finance @RNDFinance]

Composer by SoFi now has a free plan: build and backtest unlimited AI trading strategies and automate 1 for $0. The catch: a strategy built on past data always looks perfect on that same data. I test 10+ years, including 2020 and 2022. Review: https://t.co/zB7i2alBPo

[Research N Design Finance @RNDFinance]

Would you pay the extra $60 a year for the harvesting, or is a plain index fund enough for you?

[Research N Design Finance @RNDFinance]

Direct indexing fee math on $100K: Frec S&P 500 at 0.09% is $90 a year. VOO is $30. So you pay about $60 extra for daily tax-loss harvesting, and one decent harvested loss usually covers it. Who should skip it anyway: https://t.co/SzbC4Fc4Fj

[Research N Design Finance @RNDFinance]

Which AI do you think is winning after 3 days?

[Research N Design Finance @RNDFinance]

Gemini told me its portfolio was 10% Nvidia. I added up the ETF overlap: it was really 22%. That's the hidden trap with AI stock pickers, they don't see what's inside the funds they buy.
Full breakdown: https://t.co/ydNJ8soEEd

[Research N Design Finance @RNDFinance]

Pick your winner: ChatGPT, Claude, Gemini, or the boring S&P 500 fund? Live scoreboard updates daily: https://t.co/CCiCzlx0AF

[Research N Design Finance @RNDFinance]

New video: I gave ChatGPT, Claude and Gemini $500 each to invest. 30 days, real money, with a boring S&P 500 fund as the benchmark. Who wins? https://t.co/Fp4lX7kCeg

[Research N Design Finance @RNDFinance]

@ComposerTrade My rule after testing it: keep 90% in boring index funds and use Composer for a 5 to 10% hobby slice. Start on the free plan, and in an IRA if you can so the trades aren't taxed.

[Research N Design Finance @RNDFinance]

I typed one sentence into @ComposerTrade by SoFi and it built me a full trading strategy in 10 seconds. Rules, backtest, automation, done.

Then I ran the fee math on the Pro plan with a $2,500 account. 15% a year to fees. Yikes.

Full review, including the backtest trap and who should not use it: https://t.co/NCP3uBaeg7
Try Composer free (code dCaHqhC-TRADE): https://t.co/jsrdKqlMB4

[Research N Design Finance @RNDFinance]

Quick question while you're here: what should I test with real money next? Drop an app or strategy below and I'll add it to the list.

[Research N Design Finance @RNDFinance]

Research N Design Finance is back with weekly long form videos. First up: Frec direct indexing, real account, real numbers. Next: the best robo advisors of 2026, ranked.

New video every Wednesday. Subscribe here: https://t.co/GIR68yAFeJ

[Robotaxi @robotaxi]

Robotaxi now runs 6am to 10pm, 7 days/week

Unsupervised fleet is a lot bigger

Also, upgraded intelligence in vehicle distribution & routing means you wait less

[Elon Musk @elonmusk]

Grok Voice is used by Starlink at scale for support & sales

[Mo Al Adham @maladham]

Yesterday, Moderna rose roughly 177% in a single day after positive Phase 3 results for its cancer vaccine.

Anyone short Moderna took real losses. So our quant team immediately looked at Moderna exposure across Frec's Long short portfolios.

This is why risk controls matter.

When we construct a Long short portfolio, no individual short position is allowed to become a meaningful concentration. Positions are diversified and capped at 1-2% of the portfolio at construction, so even an extraordinary move in a single stock has a limited impact on the overall portfolio.

Long short direct indexing does introduce incremental risk versus a class direct index. A classic direct index targets roughly +/- 0.8% of tracking error, compared with roughly +/- 1.5% for our 140/40 strategy. The increase in tracking error risk is deliberate: accept a somewhat larger risk budget in exchange for factor exposure, the potential for excess returns, and substantially more opportunities to harvest tax losses.

The important part is that the additional risk is engineered and monitored rather than taken blindly.

This is what makes Long short direct indexing such an interesting financial product. We think most index investing will eventually move toward direct indexing over time, and a meaningful share of it will use Long short extensions.

[Teslaconomics @Teslaconomics]

Huge congrats to the @SpaceX and @Starlink team.

From just 2 Starlink satellites in orbit in 2018 to 11,003 today.

That’s one of the craziest infrastructure buildouts we’ve ever seen, and they’re still just getting started.

And a huge thank you to every Starlink customer around the world who believed in the product, supported the network, and helped make this scale possible.

Every subscription helps fund the next launch, the next satellite, and the continued expansion of high-speed internet to places that never had reliable access before.

Congrats to everyone at SpaceX, and thank you to every Starlink customer helping build the future!