Friday, April 03, 2020

Real Creativity

A fundamentally bad investment can still deliver good returns with leverage or subsidies. If the return is higher than the rate of borrowing, leverage magnifies it (in both directions). If money costs nothing (interest rates are zero), all an investment needs is a pulse and someone willing to give you their money for free. A subsidy means the investment is wanted for non-financial reasons (or the subsidy can eventually be removed). I don’t like investments like that. I also believe that Endurance and Resilience are fundamental. Endurance provides stability. Resilience provides liquidity. They can’t be directly focused on maximising sustainable growth. Some focus has to be given to strength in solid foundations and the flexibility to adapt. But the intention there is to release the potential of fundamentally good investments. Real creativity. Not to give precious soil and water to things we don’t really want to grow.


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