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BlackRock Proposes Its New Retirement Plan Using Your Money: How Will This Impact Your Finances? Discover Your Options

BlackRock Proposes Its New Retirement Plan Using Your Money: How Will This Impact Your Finances? Discover Your Options.

In mid-2019, BlackRock demonstrated its prophetic capabilities by forecasting the financial and monetary implications of the pandemic before it had even occurred. Considering the company's stature as the world's largest asset manager, some may argue we should heed its insights. 

Recently, CEO Larry Fink released his yearly correspondence with investors, offering subtle hints about potential future developments and BlackRock's strategies. This article breaks down the key takeaways from the letter, providing insight into what it may imply for individual investors and the market at large. We also explore how you can alleviate concerns and secure your financial future. 

To begin with, Larry Fink's yearly correspondence with investors has a distinct tone from his annual address to corporate leaders. BlackRock holds significant stakes in many of the world's largest corporations. Fink's letter to CEOs served as a guide for corporations, outlining what actions they should take. However, this year's letter has yet to be released.

Similarly, BlackRock's CEO, Larry, writes an annual letter to its investors outlining its key objectives. The letter being discussed today is an overview of this annual communication. Notably, the initial section of Larry's letter is particularly striking, bearing the title “Time to rethink retirement.” It's worth noting that this topic is especially relevant, as numerous countries globally are increasing the retirement age due to fiscal constraints stemming from a shortage of taxpayers to fund pension systems.

Source: BlackRock

The Capital Markets

Inspired by his parents' financial struggles in retirement, Larry founded BlackRock to help others build a comfortable nest egg. In his letter, he highlights the importance of investing in capital markets to achieve this goal. Capital markets encompass a wide range of financial instruments, including stocks, bonds, and private investments, providing opportunities for individuals to grow their wealth over time.

Influential investment firms like BlackRock are expanding their reach into multiple areas, including purchasing single-family residences that are subsequently leased to individuals. This trend has sparked concerns about the escalating cost of housing.

In the second portion of his letter, Larry provides a concise overview of the evolution of capital markets in the United States, highlighting two primary methods of wealth accumulation: saving funds in a bank or investing. He attributes the country's impressive performance since the 2008 economic downturn to the size and complexity of its capital markets. Notably, Larry takes pride in his role as one of the creators of mortgage-backed securities, which were instrumental in causing the 2008 financial crisis.

In hindsight, it's not entirely unexpected given Larry's academic background in political science and business administration, which didn't exactly prepare him to be a market expert. Nevertheless, Larry emphasizes that a crucial lesson learned is that a robust banking system alone is not enough to drive economic growth; a country also needs thriving capital markets. He observes that this realization is gaining traction globally, and Larry shares that he has been engaged in discussions with governments worldwide on this topic.

He details his extensive travels last year, visiting 17 countries where he engaged in discussions with top government officials, including presidents and prime ministers. According to him, these leaders are eager to expand their financial markets, and conveniently, BlackRock is poised to assist without any underlying motives, of course. What's alarming, however, is that Larry discloses that Indian authorities are discontent with the widespread practice of Indians using gold to save and store personal wealth. Instead, they want to see this wealth funneled into the banking system, and Larry is likely keen to see it flow into BlackRock's coffers.

In any case, it implies that governments view gold as a threat. Larry appears to share this viewpoint, pointing out that gold has not performed as well as the Indian market and that investing in gold does not contribute to the Indian economy. So, will we see restrictions on gold in the countries Larry advises, citing economic vulnerability as the reason?

Larry proceeds to uncover BlackRock's ultimate objective. He asserts that investing in capital markets is not just desirable but essential for two key reasons. Firstly, it is the sole means of financing retirement plans, and secondly, it is the only way to develop infrastructure that aligns with environmental, social, and governance (ESG) principles. In essence, this constitutes the endgame.

For those who may not be aware, Environmental, Social, and Governance (ESG) is a concept promoted by influential financial institutions such as BlackRock and major banks like Bank of America. ESG's ultimate goal is to support the United Nations' ambitious sustainable development goals (SDGs), which envision global adoption of dystopian technologies like CBDCs, digital IDs, and smart cities by 2030. 

Retirement And Demographics

In the third section of his letter, Larry raises concerns about how individuals can financially support their retirement, given the increasing life expectancy. By now, you'll know the answer is to give all your money to BlackRock. Case in point, Larry notes a joint venture BlackRock has with an Indian retirement firm that invests in digital infrastructure. In other words, you will own nothing and be happy, and BlackRock will use your retirement savings and investments to make it happen. It appears BlackRock is making big bets on India, presumably because its workforce population will be one of the last to peak sometime around 2050. 

Source: BlackRock

In a surprising turn, Larry shifts the conversation to the United States, likely to address potential concerns about BlackRock's increasing involvement in India. With a hint of irony, Larry acknowledges that the financial difficulties younger generations face directly result from policies implemented by his generation, the Baby Boomers.

As you may have anticipated, BlackRock has devised a solution to rescue the next generation. Following a stark warning that the US Social Security fund will be depleted by 2034 and recommending a delayed retirement age, Larry proposes three methods to address our financial future.

The first approach is to compel employees to allocate a segment of their salaries towards investments in the capital markets, which would be managed by firms such as BlackRock. According to Larry, the U.S. will implement similar legislation next year, mandating companies with 401K plans to automatically register new employees into the program.

This ties into BlackRock's second strategy for securing our financial futures: exerting influence over how we utilize our retirement funds. In essence, BlackRock aims to manage the savings you've set aside for your golden years, effectively gaining control over how you spend them during retirement. 

The silver lining is that BlackRock's proposal is a product with no legislative backing or hints of a looming obligation. However, the concern is that a similar law could be proposed in the future. If baby boomers were to withdraw too much of their retirement funds, the entire capital markets system could collapse, a risk highlighted by prominent macroeconomic experts like Mike Green.

Larry refers to BlackRock's plan as a “revolution in retirement” and believes it will dispel fear and instill hope. Earlier in his letter, Larry implied that the third way to fix our financial future is to fix the demographic problem, meaning having more kids or at least increasing immigration. But no, all Larry said was what was mentioned a few moments ago: raise the retirement age. 

Larry’s stance might be related to his belief that machines can replace humans. During a recent World Economic Forum discussion panel, he explicitly stated, “Countries will rapidly develop robotics and AI and technology, and the social problems that one will have in substituting humans for machines are going to be far easier in those countries that have declining populations.” 

It would seem that BlackRock's interests align with declining populations. This is unsurprising, given that a shrinking population is ESG-friendly: fewer people mean fewer emissions. If this notion disturbs you, Larry doesn't seem to understand why. Per his letter, “There's so much anger and division, and I often struggle to wrap my head around it.” Perhaps he needs to reflect on his role in the matter. 

Source: SigmaEarth

Infrastructure And ESG

In the fourth part of his letter, Larry discusses the ESG-aligned infrastructure that BlackRock aims to develop using your retirement funds. He states, "The future of infrastructure is a public-private partnership,” meaning BlackRock is partnering with your government. Larry asserts that this partnership is crucial for financing infrastructure projects as governments are burdened with significant debt and cannot undertake it independently.

He points out that the US government's debt is increasing rapidly and that fewer and fewer governments are buying US Government debt. Interestingly, a lack of financial support was the main reason why the precursors to the SDGs, the Millennium Development Goals (MDGs), ultimately failed.

Larry then goes one step further, saying, “More leaders should pay attention to America's snowballing debt. There's a bad scenario where the American economy starts to look like Japan's in the late 1990s and early 2000s when debt exceeded GDP and led to periods of austerity and stagnation.” 

Larry argues that there is an alternative solution to addressing the national debt beyond cutting taxes and spending. He suggests that if the US economy grows significantly, it could enable the US to repay its debt. However, he fails to note that this growth will simultaneously cause inflation

To drive growth in the U.S., Larry suggests focusing on energy investments, particularly in unreliable forms of electricity. Ironically, the current high costs directly result from inadequate investment in dependable energy sources, which can be attributed to the emphasis on ESG considerations. Asset managers like BlackRock have played a significant role in this underinvestment, exacerbating the issue.

Larry's admission that oil and gas will remain essential for “a number of years” is a gross understatement, considering they supply half of the world's energy needs. Surprisingly, Larry praises Germany as a model for effective energy policy despite the country shutting down its final nuclear power plant last year. This decision coincided with Germany's struggling economy, which faced challenges from high energy expenses due to sanctions and renewable energy sources.

Larry highlights Texas as an example of a state struggling with energy issues, attributing the problem to growing demand rather than its shift towards unpredictable renewable energy sources. Ironically, he discloses that BlackRock is investing in initiatives that further increase dependence on these intermittent sources. Moreover, Larry outlines a series of investments BlackRock is making to facilitate a “fair energy transition,” which is primarily focused on maintaining warm homes during winter while seemingly downplaying the importance of other energy-related concerns.

Luckily, Larry discloses that BlackRock is allocating more resources to dependable energy sources than to less dependable ones. This is because the company's clients are driving this demand. It's worth noting that several individuals and institutions had previously threatened to withdraw their investments due to BlackRock's ESG policies, and some actually followed through on those threats.

However, this is just the tip of the iceberg regarding BlackRock's double standards. Larry asserts that renewable energy sources reduce a nation's reliance on foreign powers, but this claim is misleading. The reality is quite the opposite. China supplies 90% of the necessary materials for these renewable energy sources, so every green energy infrastructure depends on the Chinese Communist Party (CCP). This raises questions about who truly holds influence within BlackRock.

BlackRock’s Plans

Larry outlines BlackRock's strategic trajectory in his letter, detailing the company's partnership with Global Infrastructure Partners (GIP), a leading international infrastructure investment firm with which he appears to have personal connections. Additionally, Larry intends to expand his travels and engage with more leaders globally, promoting BlackRock's strategy as the optimal choice. While he doesn't explicitly state it, his comments imply that BlackRock's growth in assets under management is attributed to foreign sources, thanks to his lobbying efforts.

If you weren't aware, BlackRock's portfolio has surpassed a staggering $10 trillion in value and is still growing. To offer a sense of scale, this would make BlackRock the third-largest country by GDP. Furthermore, this immense wealth would be sufficient to acquire nearly half of the US equity market, although BlackRock already wields significant control through its substantial voting shares. According to Larry, the company plans to maintain its investment strategy, which includes early-stage ventures.

Looking ahead, Larry emphasizes that “Our strategy remains centered on growing Aladdin, ETFs, and private markets, keeping alpha at the heart of BlackRock, leading in sustainable investing, and advising clients on their whole portfolio.” For those who may not know, Aladdin is BlackRock's proprietary trading platform.

Larry mentioned that moving forward, BlackRock's primary focus on the private market will be ESG infrastructure. In terms of ETFs, they plan to increase ETF adoption further and launch new ones, particularly highlighting Bitcoin ETFs. This shift hints at the possibility of more crypto ETFs in the pipeline, including those for Ethereum. Additionally, Larry highlighted that BlackRock will increasingly prioritize fixed income, specifically government bonds, now that interest rates are “near long-term averages.”

Source: BlackRock

BlackRock's move is noteworthy as it indicates that the company anticipates that interest rates will remain stable, which goes against the views of those who predict rate decreases. Following a boastful mention of BlackRock's impressive 90-fold increase in stock value over the past 25 years, Larry highlights the company's acquisition of GIP, an ESG infrastructure firm, and the subsequent appointment of its CEO, who happens to be a friend of Larry's, to BlackRock's board. Who needs crony capitalism when you've got nepotism disguised as ESG?

In all seriousness, Larry concludes by asserting that BlackRock is merely a tiny component of a broader, global phenomenon that he believes is improving the lives of ordinary individuals. However, in reality, this phenomenon primarily enriches the wealthy elite. Larry credits the capital markets and their investors for making this possible, but he fails to mention that a staggering 93% of all stocks are concentrated in the hands of the top 10% of the population.

What Does All This Mean for The Markets And You?

What implications does this have for you and the financial markets? It is crucial to understand that these are distinct entities. One viewpoint is that BlackRock's decision-makers seem alarmingly out of touch with the real world, which is a daunting prospect considering the vast amount of assets they control. The fact that they're holding up Germany as a model for other countries to emulate in terms of energy policy is either a staggering display of ignorance or a cynical ploy, with most people leaning towards the latter interpretation.

Regardless of the circumstances, the outcome remains consistent: wealth becomes increasingly concentrated among the affluent, while the disadvantaged fall further behind. This phenomenon frequently occurs in economies with centralized planning, and BlackRock's most significant mistake stems from this approach. The asset manager assumes that centralized control is the sole means of addressing issues and fostering prosperity to the extent that it collaborates with governments, introduces initiatives such as CBDCs, and limits access to gold, all in the name of economic growth.

This action is not a method for addressing issues and fostering economic growth. Instead, it seems more like a strategy to avoid the collapse of a financial Ponzi scheme. Despite their shortcomings, governments have significantly less debt than banks and asset managers.

Globally, there is a staggering $315 trillion of outstanding debt. Still, the liabilities stemming from complex financial instruments held by banks and asset managers are projected to be exponentially higher, reaching the quadrillions. These instruments are contingent upon the appreciation of underlying assets; if these assets fail to increase in value, the entire derivatives debt structure will collapse, triggering a catastrophic financial meltdown.

Upon closer examination, BlackRock's proposals all boil down to a single premise: entrusting them with your money and allowing them complete discretion over managing it, including determining when it will be returned to you.  The ESG narrative may merely be a ruse to convince people that by handing over their money to BlackRock, they'll be contributing to the greater good. What's particularly unsettling is that Larry appears to have successfully duped many in the US and is now shifting his focus to international markets, where numerous countries eagerly seek investment opportunities, making them vulnerable to his influence.

It's clear that BlackRock's assets under management (AUM) increase whenever Larry travels, and it’s not an exaggeration to label it as deceitful when it leads to insufficient energy infrastructure that financially benefits BlackRock and other venture capitalists. The collapse of Sri Lanka, which previously held the highest ESG score, serves as a cautionary tale. Despite this, BlackRock continues pushing forward with its investments, making the average person worse off. 

This has significant implications for the market landscape. Essentially, poorly conceived ventures will continue to attract excessive investment if they align with ESG criteria. What's particularly irritating is that BlackRock is channeling its ESG investments into startup ventures and private companies, making it challenging for us regular folk as investors to tap into these lucrative opportunities, likely by intentional design.

One approach to capitalizing on BlackRock's ESG fixation may lie in cryptocurrency. A similar trend has emerged in the AI sector, where many companies remain privately held, limiting investment opportunities for the general public. As a result, AI-related cryptocurrencies have become a viable alternative, serving as indirect investment vehicles for those seeking to benefit from AI's growth and development.

It's worth noting that a specific area of crypto, known as ReFi or Regenerative Finance, has garnered attention. While some crypto experts have raised doubts about the legitimacy of certain projects within this niche, they align with ESG criteria. If BlackRock's ESG trend experiences a resurgence, many of these projects could rapidly gain traction. 

Final Thoughts

The reality is that primary energy is scarce due to inadequate investment from BlackRock and similar entities, and the emerging alternatives, except nuclear power, are insufficient to bridge the gap. As this reality becomes apparent, BlackRock will likely face significant investment withdrawals unless its strategy is altered. However, with Larry at the helm, a change in direction appears unlikely, making divestment a probable outcome.

Hopefully, we won't witness another asset manager arising, proclaiming to be the solution to all of humanity's problems. The truth is that most people simply want to be left alone to live their lives without interference. The idea of being "saved” by a grandiose plan or product is unrealistic and ignores the diversity of individual preferences and values. Instead of imposing a one-size-fits-all solution, providing people with the tools and resources they need to live well and make their own choices is more productive.

A Perfect Opportunity For Individual Investors Is Here

Standing out as a beacon of hope against the forces of globalization and corruption is Markethive, a pioneering platform that has been empowering entrepreneurs for years. As a trailblazer in the marketing sphere, it has conceptualized and executed innovative, high-impact strategies tailored to its users. With its sights set on the future, Markethive has transformed into a groundbreaking decentralized ecosystem rooted in blockchain technology and fueled by its cryptocurrency, Hivecoin. Additionally, it aims to expand its offerings by establishing a decentralized crypto exchange. (DEX)

Markethive is actively seeking individual investors to support its mission and vision of becoming a prominent decentralized social media, marketing, and broadcasting ecosystem. According to crypto experts, this is an upcoming crypto narrative in the next bull market. This is significant as it will pay huge dividends in the mid-to-long term for everyone, particularly those participating in the Entrepreneur One Upgrade, which includes the Incentized Loan program. By focusing on its path and purpose, Markethive remains dedicated to providing economic empowerment and identity to all, especially those lacking it.

Markethive is a grassroots project built for the people, by the people, and is of the people that empowers individuals by allowing them to become stakeholders. Markethive is revolutionizing how we approach social media, broadcasting, inbound marketing, and eCommerce, providing a comprehensive system for long-term success, financial autonomy, and a strong community bond. So take advantage of this chance to claim your spot in this pioneering network, where you can positively impact the world and build a lasting legacy of wealth.

This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.


Editor and Chief Markethive: Deb Williams. (Australia) I thrive on progress and champion freedom of speech.  I embrace "Change" with a passion, and my purpose in life is to enlighten people to accept and move forward with enthusiasm. Find me at my Markethive Profile Page | My Twitter Account | and my LinkedIn Profile.





Tim Moseley

Three Wise Investing Principles For The Current Times

Three Wise Investing Principles For The Current Times

This article explores the importance of an investment portfolio and the process of setting it up. 

Why Consider an Investment Portfolio?

Perhaps one of the hardest lessons of these last two years is the realization that you can be great at what you do, and yet see all your efforts go up in smoke during economic turmoil. We live in a rapidly changing world and no industry is immune from the potential fallout of economic events.

Certainly the case for having more than one income stream has been underlined in these last two years, and being able to work online from home has taken on a new advantage. For many the idea of having an online business from home solves a lot of issues and generates money in the short term. At the same time it can be overwhelming to be wearing many hats in business without an established team around you. It is important to take a step back and put all of these things in a bigger context in terms of your life aspirations and how money plays its part in that scenario.

The Benefits of An Investment Portfolio?

There are several good reasons to consider an investment portfolio. This is not the same as portfolio income. When approached properly it helps you become proficient in financial literacy which you can pass on to your children. 

Financial investments give you financial assets which can produce cash flow in the medium to long term income. Central to the theme of investments is that money is working for you rather than the other way round. It is a smart move to work in partnership with money, as opposed to simply working for it.

The key is to have a diverse portfolio across several sectors to spread the risk and create good upside potential for profits. This is what Warren Buffet reportedly did so successfully. For many the word investment may sound a bit daunting, and too long term to be a serious consideration.

Image Source: Investment Portfolio

This gives clues as to where to start. Many people are caught up with the immediate short term things, only to regret not taking a more holistic long term view.  Here are three wise principles to apply to investing.

The First Investment

Steven Covey, author of ‘The 7 Principles of Highly Effective People’, advocates where life decisions are concerned, that you start with the end in mind and use that as a main reference point. This is all about the context in which all decisions play out.

So you need to start with yourself, and decide what you want your life to be about moving forward and build accordingly.  ‘Know thyself’ is a phrase often read, but how well do you really know yourself?  Take the time to do this and you will reap dividends, pun intended!!

The Second Investment

Once you have done so take the time to invest in your financial education. Financial literacy worldwide is very low, and yet significant money decisions are made everyday. This means there are likely to be far more speculators than investors involved in investing. 

Teach a Man to Fish

There are many experts in investing with free videos on youtube to get you off the mark. Robert Kiyosaki is a well known expert who talks in terms of six basic rules. He uses debt to invest and get rich while reducing or avoiding taxes with this strategy. He walks through the use of other people’s money, the three types of income, financial education, investing for cashflow, risk and raising capital.

On the other hand the investment community I joined teaches the opposite in advocating not to use loans to invest. Only you can decide which path you will take, but know the ‘why’ and the consequence of each decision. Weigh up the pros and cons. This is why it is important to become educated, so you can make informed decisions.

Give A Man A Fish | Teach A Man To Fish

In the community I joined they allow you to partake in their portfolio. At the same time they encourage you to learn how to create your own portfolio, which I have since been doing. It’s a combination of two strategic approaches –  ‘teach a man to fish’ and ‘give a man a fish’.

I learned about 8 Rules to govern my investment practice. I share them here in slightly paraphrased fashion so you can use these as guidance by way of developing your own portfolio.

  • Know what financial independence and financial freedom specifically mean to you. In other words what figures would equate to financial independence and freedom from your perspective.
  • The second rule references 5 commandments to follow. Firstly put 10% of your income aside for the purposes of investing. Always control revenue and expenditures. Protect your money from losses. Learn to invest. Learn to earn more.
  • Choose your financial plan and stick to it.
  • Don’t put all your eggs in one basket so to speak. Learn to diversify.
  • Always keep investment discipline.
  • Greed and laziness leads to bankruptcy and ruin.
  • Always study investing.
  • Always increase your investment deductions.

By having the above structure I was able to start developing my own portfolio. One of the key things in addition is to know your risk profile. In other words, how much are you prepared to risk when investing in something?

A positive way to rephrase this would be the price you are willing to pay for your education and research concerning that investment.  For example I decided to do a certificate of deposit strategy on a new project, but since this was new, I was very risk averse, and took a conservative approach.

I put $16 in and was able to 10x it into $160 in 1.5years. I was happy because the key objective was to get some wins from sound practice rather than simply hope I would rake in a lot of money. I was able to add to this after.

One of the first things taught in investment is not to put in anything you are not prepared to lose, and yet you see many doing the opposite. For example the enticement of short term and lucrative income pulls many a speculator in, only to see a rug pull happen quite suddenly. One thing the above two approaches agree on is the importance of financial education and investing for the long-term, not just the short-term.

The Third Investment

Source Image: Wisdom

This may present controversy for some but warrants serious consideration, and that is the wisdom of ethical investing. With everything that is currently going on in the world, what principles drive your investment strategy.?

I for one will not invest in Big Pharma because their profits depend on people being sick and therefore there is both an orchestration and a monopoly to dominate the markets so that people buy their stuff. There are people whose mindset is solely on what will make them money regardless of consequences. That may be driven by a survival mentality, impatience, greed or lack of education regarding alternative and lucrative choices.

Catherine Austin Fitts is an investment banker and former US Secretary of Housing during the Bush Administration. She is the creator of the Solari Report, which is an advisory publication for investors. In many of her talks she puts investment within the context of what has been going on in the world from a political and economic standpoint. She gives a comprehensive educational assessment from an aerial viewpoint with regards the plan of the globalists and its relationship to investing.

While she is not a fan of cryptocurrency for valid reasons, her core message is an important consideration in choosing investments, because what you invest in does not just shape your life, but also impacts the political and economic landscape. The bottom line of her message is that since the globalists such as the W.E.F. and their associates are wanting to enslave us, it is incumbent that we do not ‘build their prisons for them’ because they intend to put us in them!

You don’t have to invest in the Monsanto’s of this world for example. You can invest ethically and profit while changing the structures of society for the better. In doing so you stop feeding the beast so to speak.

Types of Investment

With the above three investment tips in mind, when it comes to what to invest in, that depends on you, your educational assessment and your life governing ethical principles, as to what you choose and prioritize. 

Traditionally there are different sectors such as technology, advertising, property, money, real estate to name a few. You can invest in property, technology, media, precious metals, restaurants, start up companies or already established companies. Basically any financial vehicle which creates cash flow can be considered an asset for the purpose of investing. Make sure to create your own investment criteria, by which you select or deselect investments.

As far as company investments are concerned, look at the company's vision, community, financial assets and projections, along with market statistics when assessing viability. Is it a liquid or illiquid asset? Who are the owners? Is there an advisory board?  What is the benefit to society?

Maybe you decide to do a safe haven play and invest in gold as an inflation hedge. Now it is easier to liquidate gold too. Study the precious metals and decide what best fits your needs. There may be certain companies you like which you could invest in. Maybe you choose to invest in projects that you are interested in such as cryptocurrency. Currently this is like the wild west and a very volatile market. So you need to have a firm sense of how risk averse you are, while keeping a very disciplined mindset. Maybe you go for projects that have real utility or are tied to real world assets.

Exploration of Investments

You might wish to look into legacy projects that are trying to improve the world we live in. Markethive is an obvious example of investing in a company that is building an ecosystem for the entrepreneur to thrive. Constellation DAG is an example of a blockchain that is fast and feeless in response to the issues with other blockchains such as ethereum etc.

Image Source: Constellation DAG

Qortal is a project that is building a new internet built around privacy and accessibility. Debtbox on the other hand is a project tied to real world investments using innovative scanning technology, for example. Bobcoin is tackling unemployment in Africa and pollution with its cryptocurrency based project.

None of the above are recommendations, but hopefully will stimulate critical thinking. Know your values, develop an investment mindset, otherwise you are effectively gambling. Also think about the world you wish to create through your investment choices.

For me I am looking to bring balance to my investments to include those I wish to see become part of our future such as Markethive, and technologies that allow me to create my own banking system as part of a parallel society to the one we are currently living in. 

Image Source: Markethive

Words of Wisdom

The Chinese bamboo tree has much to teach us about abundance in the long term. In the first four years there is no visible sign of growth. Yet in the 5th year when it breaks through the surface of the ground, it grows significantly to 90 feet tall within 5 weeks. So the question is posed – did it take 5 weeks or 5 years to grow 90 feet tall?

The answer is the latter because had it not been consistently watered and nurtured on a daily basis the growth spurt could not have happened. So be encouraged even if you have yet to start an investment portfolio.  It is never too late to do the right thing by you, especially if it creates a legacy that will inspire others beyond your life. 

Can you imagine the world we would live in if more did that, and what would happen if we started to thrive through making wise, ethical investments? This is how you change the world, one step at a time. Hold that thought, and live it out.



About: Anita Narayan. (United Kingdom) My life's work is about helping individuals to greater freedom through joy and purpose without self-sabotage, so that inspirational legacy can serve generations to come. Find me at my Markethive Profile Page | My Twitter Account | and my LinkedIn Profile.







Tim Moseley

The Z Generation And Cryptocurrency

The Z Generation And Cryptocurrency


In recent years, we have witnessed the emergence of a new generation, who are often referred to as the “Z Generation.” A generation that has only ever known a world with the Internet. They have grown up in a time of rapid technological development and have been raised with ever-increasing political, social, and economic uncertainty. 


They are connected, globally-minded, and innovative; they are a product of their time in many ways. Gen Z is very familiar with technology and has always had access to it, and they do not need to be taught or encouraged to use it. They live their lives through their devices and social media, and many have turned to cryptocurrencies as an alternative investment.

Money And Excitement From The Game. 

The young are not discouraged by the endless crashes from cryptocurrencies, and they see it as a means to accumulate wealth and an investment opportunity. 


As 20-year-old Paxton See Tow told the BBC, "All my friends were talking about cryptocurrencies, so one day I decided I could get involved too and see if I could make a living." 

All he needed was a phone, and he was only a few clicks away from thousands of dollars in cryptocurrency purchases.


Who Are Gen Z?

Generation Z is a group of people born around the mid-1990s until about 2010. So it grew up in an interconnected world at a time when the Internet was practically everywhere. They are used to playing online games and meeting friends virtually, without physical contact.

This new generation was born into a relatively peaceful time. However, a peaceful childhood is undoubtedly compensated for by the events that take place during their adolescence. Recent developments in the world are proof of this. 

The Black Lives Matter movement in America, the riots in Hong Kong, and the Fridays for Future Movement have spread around the world. All these movements were founded or strongly supported by representatives of the Z generation.

The Economist has described Generation Z as a more educated, well-behaved, stressed, and depressed generation in comparison to previous generations.

From Wikipedia:

Other proposed names for the generation include iGeneration, Homeland Generation, Net Gen, Digital Natives, Neo-Digital Natives, Pluralist Generation, Internet Generation, Centennials, and Post-Millennials.


They Are Among The Technologies At Home

The development of technology is undoubtedly an important factor that contributed to the definition of Generation Z. 

In his article Digital Natives, Digital Immigrants, Marc Prensky describes Generation Z as a digital native, and they are surrounded by technology from birth. According to Prensky (2001), the younger generation "thinks and processes information significantly differently than its predecessors."

The possibility of quick profits has always attracted young people to invest in risky assets. For Generation Z, it is the significant price fluctuations – and the decentralized nature – of digital assets that are pulling. 

Whether they are cryptocurrencies or so-called unmistakable tokens (NFT), however, no one regulates the sector, which means minimal investor protection.



The trend for young people to trade in cryptocurrencies and NFTs has intensified during the pandemic. 

"The market has gone through extreme price fluctuations. When you have such fluctuations, you have an opportunity in the market," says Lily Fang, a professor of finance at INSEAD Business School. 

"Young people stayed at home, and it became almost a game. All these factors created the perfect conditions for that."


The Thrill Of it All

But in addition to financial losses, addiction is also a great danger. Resh Chandran, a financial educator, said, “The cryptocurrency market never sleeps, so people really swallow it up.”

Andy Leach from an addiction clinic in Singapore says he has experienced an increase in addictions to the thrill of trading crypto and NFTs and confirms Chandran’s sentiments, stating, 

“You can watch the bitcoin rise and fall, the whole process, the roller coaster ride, the highs and lows – all on your phone, 24 hours a day, seven days a week.” 


Making Money As A Game

But even the stories of people who lost a lot of money on cryptocurrencies do not seem to discourage young traders. Many of them have encountered digital assets for the first time through games that allow them to obtain NFTs or cryptocurrencies and use them within the game itself or exchange them for cash.

"Every child wants to make money playing games," says a 23-year-old Malaysian businessman who is nicknamed YellowPanther. "This is the dream of my generation."

“In the Czech Republic, the number of wallets with cryptocurrencies is estimated at half a million,” says Binance marketing manager Maya Bersheva.

On the opposite side of the globe, research has shown that one in five Australians believes that crypto is the key to homeownership as confidence in traditional savings dwindles. 

A survey conducted by the Kraken Cryptocurrency Exchange found that a growing number of young Australians are depressed by traditional investment opportunities. Almost a quarter of respondents expressed concern that the value of money in traditional cash savings is declining.

A similar trend is confirmed by other research showing a change from traditional attitudes towards investment and property. More than a third of millennials view crypto assets as an increasingly valid alternative to an elusive investment property, a new survey finds.

Commissioned by cryptocurrency exchange Kraken, it found that around four million Aussies say they are likely to purchase digital currencies in the next 12 months.

The survey, which was conducted by global researcher YouGov, found 21% of Australians are readying to purchase digital tokens if they hadn’t already, including 34% of millennials and 32% of Gen Z.

According to the survey, young Russians consider cryptocurrencies a safe investment. Due to Western sanctions, which increase the pressure on Russia's economy, young Russians consider cryptocurrencies to be a reliable and profitable investment. According to a recent study on the existence of BTC, two-thirds of Russian citizens know.


New Research Shows That 40% Of Young People Want To Use Cryptocurrencies For Payments

Cryptocurrencies are rapidly gaining in attractiveness among younger groups, with 40% of consumers aged 18-35 expressing their intention to use cryptocurrencies such as bitcoin, ethereum, and stablecoins to pay for goods or services within the next 12 months.

The report, entitled "Cryptocurrency Demystification: Shedding Light on the Acceptance of Digital Currencies for Payments in 2022," was presented by global payment provider Checkout.com at the Bitcoin 2022 conference in Miami on April 6. It revealed an increasingly positive trend in accepting cryptocurrencies for online payments.

Although digital currency often pretends to be an investment for young people, they often pay the most for its volatility. The "computer generation" perceives crypto as a game that can be easily and well earned.


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Tim Moseley