June 30, 2025
4
min read
💬 Daily Observation
“Invest in as much of yourself as you can. You are your own biggest asset by far.” — Warren Buffett
I’m back from my week off in Curaçao, where the real ROI wasn’t just in the sun or sea, but in the island’s gentle rhythm. During a stroll past Willemstad’s pastel forts, I learned something intriguing and wanted to share it with you, as I hope it can broaden your perspective as it did for me: the Curaçao Heritage Fund quietly boosted its bond issuance to ANG 16.5 million (about $9.2 million USD), turning crumbling walls into cash-yielding history.
Imagine investing not in stocks, but in restoring a fortress, that neat trick shows how patient capital can bring history back to life and that true diversification can include so many different kinds of investments.
Quick caveat: These heritage bonds were sold to professional investors at a minimum ANG 50,000 ticket (≈ USD 28,000) and weren't open to most retail accounts, though now investors who meet broker and minimum-size requirements can trade them on the DCSX.
We always remind you how important it is to keep your portfolio diversified, but as Buffett wisely noted, don’t forget to invest in yourself.
☕ So grab your coffee, and let’s dive into today’s fresh edition of Diversification Daily.
🗞️ Today's stories that matter (and why)
1. 🇨🇦 Canada rescinds digital services tax to advance US trade talks
Canada withdrew its planned 3% digital services tax, in order to restart stalled trade negotiations with the US. With Prime Minister Mark Carney and President Trump agreeing to target a deal by July 21.
Why it matters: Removing the levy on US tech giants eases geopolitical risk for major equities (Amazon, Google, Meta, Apple) and bolsters USD/CAD sentiment.
Assets in focus: Equities
2. 🏦 US banks rise as Fed stress test success clears path for payouts
All 22 of the largest US banks passed the Fed’s 2025 annual stress scenario, demonstrating resilience against a simulated global recession, real-estate slump, and 10% unemployment spike.
Regulators indicated banks can lower capital buffers and resume significant share repurchases and dividend hikes.
Why it matters: Greater capital returns support bank equities and financial-sector ETFs, while signaling the industry’s capacity to endure a sharper economic downturn.
Assets in focus: Fixed Income
3. 🏠 Zillow to block listings not in MLS
Zillow (the leading online real estate marketplace) has implemented a new policy, effective June 30, 2025, banning home listings publicly marketed by agents (e.g., yard signs or social media) unless they’re also registered in a local Multiple Listing Service within one business day.
This move targets the rise of “exclusive inventory” or “hidden homes”—properties only advertised internally by brokerages like Compass . Compass and several rivals have already sued Zillow, arguing the policy stifles competition and forces sellers into less-flexible contracts.
Why it matters: Greater transparency on MLS broadens market access for buyers and levels the playing field among brokerages—but could squeeze agents’ margins and slow deal flow during the transition.
Assets in focus: Real Estate
4. 🛢️ Hedge funds sell energy stocks as oil slumps
Hedge funds offloaded energy equities at the fastest pace in nearly a decade last week, according to Goldman Sachs, after oil prices slid amid easing Middle East tensions and OPEC+ output plans. The sector’s quick unwind reflects rising bets on a deeper slowdown in demand and supply uncertainties fading.
Why it matters: A sharp pullback in energy names can pressure ETFs and portfolios with overweight positions, while signaling broader risk-off sentiment in commodities.
Assets in focus: Commodities
5. 🤝 Larger deals power global M&A in first half
Despite a cautious start, global mergers and acquisitions in H1 saw a surge in large transactions—particularly in Asia—and growing optimism in US markets. Dealmakers point to eased trade tensions and stabilized rates as key drivers for potential “megadeals” in the months ahead.
Why it matters: M&A activity often precedes sectorwide re-ratings; portfolios overweight on deal-prone industries (tech, healthcare) may capture upside if this momentum continues.
Assets in focus: Equities
🌀 Diversification Score – Have you evaluated your portfolio's diversification?
Are you spread across the right risk factors—or leaning on just a few big bets?
📊 Market Movements Snapshot
Asset Classes:
- 🟢 Gold: +21.23% YTD. Reflects safe-haven demand amid Fed policy uncertainty and geopolitical strains, alongside record central-bank bullion purchases diversifying reserves from dollars.
- 🟢 Emerging Markest Equities: +10.41% YTD. As the US dollar’s steepest H1 drop since the 1970s boosted local-currency returns, while stimulus and strong corporate earnings in China and India added fuel.
For the full list, click here
Sectors:
- 🟢 Utilities: +7.34% YTD. As their defensive, high-dividend characteristics amid interest-rate volatility, coupled with surging green-energy and grid-upgrade capex plans.
- 🔴 Health Care: -3.52% YTD. As US drug-pricing reforms under the Inflation Reduction Act clouded pharma outlooks and investors rotated into faster-growth areas like technology.
For the full list, click here
🤯 Alternative investment highlight: rSpaceX Mirror tokens offer SpaceX exposure starting at $50
Investment platform Republic launched its first Mirror Token, rSpaceX, on June 25, 2025, minting it on the Solana blockchain to replicate SpaceX’s economic performance in a future IPO, acquisition, or liquidity event. Investors can buy tokens via Apple Pay or USDC stablecoin with a $50 minimum and a $5,000 cap per person.
After a one-year holding period, tokens become tradable on INX’s regulated secondary market, giving participants a cash-settled payout if SpaceX’s valuation changes. These tokens do not grant equity or shareholder rights; instead, payouts mirror the change in SpaceX’s valuation, minus fees, upon a qualifying event.
The offering falls under US crowdfunding rules, and Republic plans to roll out Mirror Tokens for other private firms like Figma and Anthropic. No endorsement or direct involvement from SpaceX has been confirmed, and the regulatory outlook for security tokens remains unsettled.
It showcases how blockchain-based structures can broaden access to private markets—turning a $50 stake into a real-world play on one of the most valuable startups, all without traditional accreditation barriers.
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