Latest analysis
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ETF inflows at $1.52T + $0.02T = $1.54T make fees scale
U.S. ETF inflows cleared State Street's prior $1.52T record by $0.02T, so $1.52T + $0.02T = $1.54T. One basis point on that base is $154M a year because $1.54T…
Personal Finance · BlackMoney Desk
Card Debt Bent Lower, But the Budget Math Still Punishes Balances
Revolving consumer credit fell at a 4.2% annual rate, calculated as -$57.4 billion divided by $1,357.2 billion, but card APRs still make cash buffers valuable.
Crypto · BlackMoney Desk
$681M Bitcoin ETF Outflow Shows Crypto Demand Is Thin
U.S. spot Bitcoin ETFs lost $681.1 million last week: -$89.9M + $118.9M - $487.1M - $244.1M + $21.1M = -$681.1M.
Crypto · BlackMoney Desk
Crypto ETFs Had a $1.22 Billion Exit, Not a Breakdown
U.S. spot Bitcoin and Ether ETFs lost $1.22 billion for the week, calculated as $681.1 million from Bitcoin funds plus $542.1 million from Ether funds.
ETFs & Funds · BlackMoney Desk
ETF inflows broke records; fee drag is the real investor test
U.S.-listed ETFs have already passed last year’s annual inflow record. The useful lesson is not momentum; it is what scale does to expense-ratio math.
ETFs & Funds · BlackMoney Desk
ETF inflows broke the annual record, but the margin is still thin
State Street’s $1.54 trillion less its $1.52 trillion prior record leaves a $20 billion margin, or 1.3% after $20 billion divided by $1.52 trillion.
Personal Finance · BlackMoney Desk
Saving Is Not Keeping Up With Spending
The household math tightened: outlays rose $190.7 billion while disposable income rose $68.6 billion, leaving a $122.1 billion gap.
ETFs & Funds · BlackMoney Desk
ETF inflows broke last year’s record before year-end
The key margin is $1.54 trillion - $1.49 trillion = $0.05 trillion; $0.05 trillion / $1.49 trillion = 3.4%.
