Stop Asking If It's a Bubble. Start Calculating the Probability Distribution
Michael Burry isn't guessing. He's running probability models that show 71% likelihood of correction within 12 months. Here's the actual math
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Michael Burry's Nvidia Short Isn't a Bet. It's Probability Math With a Stop Loss
His fund didn't short 50% of its capital. It shorted 5.6%. Here's the Kelly Criterion calculation that explains exactly why
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You're Trading Blind While Institutions See Three Weeks Ahead
Oracle lost $70 billion because retail investors don't have access to the statistical analysis that predicted it in November
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Building in Public: One Week of AI Development at Plutonal
Plutonal finally stabilized its RAG system after fixing major chunking and retrieval issues, achieving 94% accuracy across a large financial research corpus. The team also solved multi-agent coordination challenges by adding intelligent query routing and Redis-based conversation memory. They migrated to a new, faster financial news provider and rebuilt the entire ingestion pipeline with smarter fallback sources. Compliance guardrails were engineered directly into the AI to avoid giving financial advice. Performance optimizations now bring most responses under three seconds as the team pushes toward the February 2026 beta launch.
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Why Plutonal Is the World's Most Sophisticated AI Investment Research Platform And Why That Actually Matters. Every Other "AI Finance Tool" Is Playing Checkers. We Built Chess.
Plutonal is a first of its kind AI-powered quantitative research platform bringing institutional-grade analysis to retail investors at a fraction of the usual cost. Unlike typical AI finance tools that rely on ChatGPT-style text prediction, Plutonal implements validated statistical methodologies such as VAR, Granger causality, Fama-French factors, GARCH models, and advanced NLP. Its multi-layered architecture autonomously analyses US and Indian markets using academic research, real-time data streams, and systematic frameworks. By providing rigorous, non-hallucinatory, institutional-level insights through a conversational interface, Plutonal bridges the intelligence gap between professional and retail investors.
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Building Intelligence That Actually Thinks: Weekly Progress Update
Plutonal is building a financial intelligence system that actually thinks, using real-time data, semantic search, and coordinated AI agents rather than a simple chatbot wrapper. This week’s progress includes ingesting institutional research with vector embeddings, improving multi-agent orchestration with a mixture-of-experts model, and fixing major issues in their RAG pipeline through semantic chunking. The team also advanced UI features that translate complex quantitative analysis into clear insights, while integrating reinforcement learning so agents improve from user interactions. Additional work focused on sentiment and macroeconomic analysis, all aimed at delivering institutional-grade intelligence to everyday investors.
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NOBODY BELIEVES THERE'S A MARKET FOR THIS. THE NUMBERS SAY OTHERWISE
VCs think retail investors don’t want sophisticated tools, but the data proves otherwise: India added over 13 crore demat accounts since 2020, young investor participation is exploding, and retention rates are at record highs. Yet every “AI finance” product today is just a chatbot, a chart indicator, or a black-box bot, none deliver true market intelligence. Plutonal is different: it discovers relationships across massive datasets using quantitative methods used by hedge funds, learns continuously, and connects US + Indian markets in one unified system. Retail investors aren’t avoiding sophistication, they’ve simply never been offered institutional-grade intelligence at an accessible price. Plutonal changes that.
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BUILDING PLUTONAL - THE ENGINEERING DECISIONS NOBODY TALKS ABOUT
This post explains the hidden engineering decisions that made Plutonal possible, building institutional-grade market intelligence for retail investors at a fraction of the traditional cost. Instead of relying on superficial AI wrappers, Plutonal is built on deep technical architecture: multiple specialised databases, event-driven processing, cost-efficient data pipelines, and a scalable infrastructure designed from day one. It breaks through problems most fintechs ignore, data complexity, cost spirals, real-time monitoring, and the dual-market challenge of integrating US and Indian markets. The result is a platform powerful enough for institutions but affordable to everyday investors, achieved not through shortcuts, but through eighteen months of unglamorous, disciplined engineering.
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HOW RETAIL INVESTORS ACTUALLY GET SCREWED
Retail investors don’t lose because they’re “dumb money”—they lose because they’re blind. Institutions trade with near-perfect information through dark pools, options flow signals, and a 72-hour intelligence advantage, while retail trades with scraps. This asymmetry creates a constant wealth transfer from uninformed individuals to informed institutions. But AI is finally breaking that imbalance by giving everyday investors access to the same deep data and real-time insights. Plutonal was built to close this gap, so retail investors can stop being exit liquidity and start playing the real game.
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MY STORY - WHY I BUILT PLUTONAL
The author realized how unfair investing is when his uncle struggled for hours to research a single stock while he could do it quickly using expensive institutional tools. Determined to fix this inequality, he created Plutonal, an affordable AI-powered platform that brings institutional-grade market intelligence to everyday investors. The post invites readers to join the waitlist and help shape the product.
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