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Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by thiago_fm on Thursday March 04, 2021 @10:55AM (#26343961)
I think the premise of it is awesome, but it can only be wrong. I'd like some data that proves that the retail investors of your platform end up beating S&P for a start.

Companies themselves struggle to even understand their own balance sheet.

There are plenty of services which offer aggregated data about balance sheets with typical market formulas.

Basically there's a huge industry of sell side analysts that often create huge reports about a company, or something that is going wrong etc. It isn't really possible to distill all this information in an 'bite-sized format', as there are many variables and even some outside factors like macroeconomics and so on. Sometimes, even something that isn't shown Today in the balance sheet end up making a company over time shrink until it's gone.

Wouldn't this actually create the fake perception that they are well informed before getting into a business?

What if I sign up and end up seeing that my market performance by using the Apps advice is trash? What if I end up investing in a company full of intangibles that find out that those intangibles are worth nothing?

If you even go to a hedge fund you might find out that most of the analysts suck, and they study their whole life for it and often have degrees in very respectable universities, while breathing all the 'financial jargons' you wrote. So, can an amateur really read a few sentences and make good investments and at least beat an index?

All this without reading a book about investment or understanding a balance sheet. :-)

Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by MattGaiser on Thursday March 04, 2021 @11:20AM (#26344332)
> I'd like some data that proves that the retail investors of your platform end up beating S&P for a start.

Is that the goal of ESG filtering? My understanding is that people doing that accept potentially lower returns in exchange for greater moral alignment.

Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by anamlakhani_ on Thursday March 04, 2021 @11:28AM (#26344438)
I am not quite clear on what your question is. We simplify hard to find research into bite-sized formats so people don't have to sift through 100 page SEC filings and complex earnings reports. Currently, there's no way of having this information be readily accessible, especially for young people.
Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by christiansakai on Thursday March 04, 2021 @11:30AM (#26344465)
I love it, don't listen to this person. You guys are exactly what I need. Keep it up please.
Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by tcgv on Thursday March 04, 2021 @12:24PM (#26345186)
I believe they should listen to this person, not because he's right nor wrong, but because he's made valid arguments about Alinea's value proposition.

Entrepreneurs should always be open to criticism, distil it and take what they consider useful, even if it doesn't come in a constructive form.

Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by undefined1 on Thursday March 04, 2021 @12:20PM (#26345136)
I like the idea of making this stuff easier to digest, but I'm curious in what way are SEC filings and earning reports less accessible for young people vs old people?
Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by allenu on Thursday March 04, 2021 @03:47PM (#26348048)
Simplifying the data into bite-sized formats is prone to bias since you have to essentially editorialize raw data, picking and choosing what information to bubble up into the reports and what to ignore. How do you plan on ensuring the integrity of this process?
Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by christiansakai on Thursday March 04, 2021 @11:29AM (#26344458)
when I invest in ESGV I already accepted the fact that I won't outperform S&P500. Then after I know TSLA purchases Bitcoin and TSLA is in ESGV I sold my ESGV.

This company is exactly what I need. I can research myself. If adults/professionals in this world can't be trusted to do things right, then you gotta do it yourself.

I don't care. I need to put my money where my mouth is. Wealth doesn't matter if we have no Earth to live in. I don't want to live in Mars.

Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by yanslookup on Thursday March 04, 2021 @11:06AM (#26344121)
I think you are missing the purpose of the services they provide.

Why would it be necessary for them to prove their customers beat the S&P but not necessary for Schwab or TDA or Robinhood?

Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by undefined1 on Thursday March 04, 2021 @12:13PM (#26345053)
all true, but does it even matter anymore? Tesla has a P/E of over 1,000, for example.

increasingly people invest based on the story and the ebb and flow of social media. does the balance sheet play into this? it doesn't appear so...

Re:Launch HN: Alinea (YC W21) – Invest in stocks you believe in by thiago_fm on Friday March 05, 2021 @11:09AM (#26358386)
we always had times in the stock market where people invested like you said, it isn't the first time. i'm talking about the serious people that stick investing for decades and build real portifolios.