😁 Morgan Stanley is bullish

Together with Mode Mobile

Good morning investors! Market sentiment remains neutral as stocks continue to sizzle.

Today we cover:

• Morgan Stanley raises target

• Tesla set to benefit

• Xiaomi expects more

Reminder: Our Instagram is going viral these days, why not check it out here? Don’t forget to follow.

📊 Economy and News 

Morgan Stanley is bullish

Morgan Stanley has increased its 12-month price target for the S&P 500 to 6,500, up from its current level of 5,893. The firm’s strategists, led by Michael Wilson, attribute this optimism to expected earnings growth in 2025, fueled by Federal Reserve rate cuts and improving business cycle indicators.

They also anticipate a boost in corporate confidence following Donald Trump’s re-election, similar to the post-2016 election surge. Morgan Stanley maintains a bullish outlook on "quality cyclicals," with financials as its top overweight sector since an October upgrade.

Global hits:

• Colombia economy grew 2.0% year-on-year in third quarter, market expected 2.3%

• Russian households' inflation expectations unchanged at 13.4% in November.

• Brazil's government sees inflation within target band, unlike markets.

Exciting: Warner Bros extends media partnership with NBA for 11 years. On the other hand, WBD is set to settle NBA broadcast rights suit, move ‘Inside the NBA’ to ESPN and ABC.

Sponsored by Mode Mobile

Today’s fastest-growing software company might surprise you 🤳

🚨Heads up! It's not the publicly traded tech giant you might expect… Meet $MODE, the disruptor turning phones into potential income generators. Investors are buzzing about the company's pre-IPO offering.¹

📲Mode saw 32,481% revenue growth from 2019 to 2022, ranking them the #1 overall software company on Deloitte’s most recent fastest-growing companies list² by aiming to pioneer "Privatized Universal Basic Income" powered by technology—not government. Their flagship product, EarnPhone, has already helped consumers earn & save $325M+.

🫴 Mode’s Pre-IPO offering¹ is live at $0.25/share — 20,000+ shareholders already participated in its previous sold-out offering. There’s still time to get in on Mode’s pre-IPO raise and even lock in 100% bonus shares³… but only until their current raise closes for good.

What else we’re snackin’

Apple’s recent $3T valuation has spurred a series of impressive raises among smartphone innovators — and $MODE’s pre-IPO offering¹ is no exception. It’s now live at $0.25/share — lock in up to 100% bonus shares³ while the raise lasts.⁴

📈 Stocks

S&P 500 5,893.62 (+0.39%)
DJIA 43,389.60 (-0.13%)
NASDAQ 18,791.81 (+0.60%)
BRENT CRUDE 72.66 (+2.22%)
* Prices as of Nov 19th, 12:20 AM UTC

Tesla gets another boot

Tesla's stock soared over +5% on Monday, closing at $338.74 after a high of $348.55 in the day, following a report that President-elect Donald Trump’s team plans to prioritize creating federal regulations for self-driving vehicles. The move could significantly benefit Tesla, which has long aimed to deliver fully autonomous cars but has yet to achieve this milestone.

The stock is now up +53.48% in 3 months and nearly +100% in 6 months.

The rally started after Trump won the election. Elon Musk, a vocal Trump supporter during the recent election, stands to gain from their alliance. Trump recently appointed Musk to co-lead the Department of Government Efficiency (DOGE), tasked with reducing regulatory hurdles and government waste.

Tesla’s vision includes developing a fleet of robotaxis—driverless vehicles that operate independently. Last month, Musk unveiled the “Cybercab,” a $30,000 concept vehicle with no steering wheel or pedals, as part of this ambitious goal.

Despite Tesla's plans, competitors like Google’s Waymo have already launched self-driving cars on public roads. Musk remains optimistic, projecting Tesla's unsupervised Full Self-Driving technology will debut in Texas and California next year in its Model 3 and Model Y vehicles.

Xiaomi has news: Xiaomi Corp announced plans to deliver 130,000 electric vehicles this year, raising its forecast for the third time after reporting a 30.5% rise in third-quarter revenue. The company entered the competitive Chinese EV market in March with a car inspired by Porsche, offering a base model priced under $30,000—$4,000 less than Tesla's Model 3 in China.

China, the world’s largest auto market, has seen rapid growth in EV and plug-in hybrid sales, which now comprise over half of all vehicle sales. In October, sales of battery-powered and plug-in hybrid vehicles rose 56.7% year-over-year, marking the fourth straight month these vehicles outsold gasoline cars.

To meet surging demand, Xiaomi has doubled production shifts since June and introduced the premium SU7 Ultra model, priced at over $110,000. President Lu Weibing noted during an earnings call that the factory currently produces 20,000 vehicles monthly, with potential for further expansion.

💵 Personal Finance

What's a bad credit score

In order to understand 'bad credit score' you have to first understand the concept of a 'credit score'.

Investopedia defines it as "a three-digit number that rates your creditworthiness."

FICO scores are in the range of 300 to 850 with higher scores depicting better financial conditions.

In other words, those with a higher score are more likely to get approved for loans and for better interest rates.

Your credit score depends on your credit history, which takes into consideration your repayment history, debt levels, and total accounts.

There are three main U.S. credit bureaus, Equifax, Experian, and TransUnion, each using different a unique technique to calculate credit scores.

For a score to be considered good, it should be above 680. Anything between 300 and 579 is considered poor.

Here’s a breakdown:

• Poor: 300-579

• Fair: 580-669

• Good: 670-739

• Very Good: 740-799

• Exceptional: 800-850

The average credit score in the country is 715 (FICO). Gen Z (18-25) has the lowest average credit score at 680, while the Silent Generation (77+) has the highest at 760.

Your aim should be to improve your score and push it above 800. We’ll talk about some great ways to do it in future issues, so stay glued.

Check this amazing video:

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👩🏽‍⚖️ Legal Stuff
Nothing in this newsletter is financial advice. Always do your own research and think for yourself.

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Advertiser’s Disclosures

¹ Mode Mobile recently received their ticker reservation with Nasdaq ($MODE), indicating an intent to IPO in the next 24 months. An intent to IPO is no guarantee that an actual IPO will occur.

² The rankings are based on submitted applications and public company database research, with winners selected based on their fiscal-year revenue growth percentage over a three-year period.

³ A minimum investment of $1,950 is required to receive bonus shares. 100% bonus shares are offered on investments of $9,950+.

⁴ Please read the offering circular and related risks at invest.modemobile.com. This is a paid advertisement for Mode Mobile’s Regulation A+ Offering.

Past performance is no guarantee of future results. Start-up investments are speculative and involve a high degree of risk. Those investors who cannot afford to lose their entire investment should not invest in start-ups. Companies seeking startup investment tend to be in earlier stages of development and their business model, products and services may not yet be fully developed, operational or tested in the public marketplace. There is no guarantee that the stated valuation and other terms are accurate or in agreement with the market or industry valuations. Further, investors may receive illiquid and/or restricted stock that may be subject to holding period requirements and/or liquidity concerns.

DealMaker Securities LLC, a registered broker-dealer, and member of FINRA | SIPC, located at 105 Maxess Road, Suite 124, Melville, NY 11747, is the Intermediary for this offering and is not an affiliate of or connected with the Issuer. Please check our background on FINRA's BrokerCheck.