Co-CEO at @titanvest (YC S18). Opinions are my own | Not investment/tax advice or recs to trade securities.
New York, NY
Joined September 2013
- Tweets703
- Following1.1K
- Followers2.9K
- Likes1.5K
Clayton Gardner retweeted
I’m excited to kick off Titan Talks, our new Engineering Speaker Series at @titanvest hq.
For our first conversation, I’ll be joined by my good friend Hursh Agrawal, CTO and Co-founder of @browsercompany. Having built the popular Arc and Dia multi-platform AI browsers and whose company was recently acquired by Atlassian for $610 Million, @hursh knows firsthand what it takes to build with quality, speed, and scale.
We’ll dive into how Hursh builds world-class products, high-performing engineering teams, and the principles that shaped The Browser Company’s culture. This will be an intimate, candid discussion followed by a live Q&A. Afterward, we’ll stick around to chat over pizza and drinks.
Capacity is limited but we still have spots available. If you're an engineer or in the NYC tech community and are interested in attending, please express interest via the form linked below and we’ll follow up with details and an invite.
Clayton Gardner retweeted
Absolutely wild to me that nowhere in their 90+ page "2026 Long Term Capital Market Assumptions" do they even recommend crypto, let alone forecast it... and yet pumping $170k BTC here lol
am.jpmorgan.com/content/dam/…
Clayton Gardner retweeted
This is a momentum market. What’s going up, will keep going up, and you’ll be mad watching it — until things change. Which you know right now, which prevents you from buying today, which is why it’ll keep going up
I don’t make the rules
Clayton Gardner retweeted
why did the central banks choose 2% as an inflation target? was it based on some productivity or population analysis? was it based on tax policies? no. it was an arbitrary number that was decided in new zealand in the 1980s, so that half a century later you, the taxpayer, would never realize the slow creep of debasement while your salary would never go up by more % growth that would be needed pre-tax. 2% is too small to care yet large enough post-tax to steal from you real vs nominal.
the fed getting rid of the 2% inflation targeting is the best thing that powell could have done to cement his legacy. it never made sense that you would have a 'makeup' policy to overshoot to compensate for low inflation decades before, and then adamantly fixate to that number without communicating what the duration of the overshoot would be looking into the future disproportionately affecting the growing population base. it was essentially another kind of intergenerational theft, just like social security.
hopefully that ends today. time to now run with the fastest horse. nothing stops this train.
Clayton Gardner retweeted
Crypto backing mortgages
Banks like JPM offering financing against crypto ETFs
M2 climbing
De-dollarization inevitable
And you still don’t own BTC?
Clayton Gardner retweeted
We started Titan in 2018 managing money for friends and family. Since then, many more clients have come to us with the same ask: “Help me get this right.” From RSUs to rollovers, from investing to “I think I need a plan.”
Titan is a modern Registered Investment Advisor for people ready to graduate from doing it themselves—not just to manage money, but to make the whole thing make sense.
Not everyone needs an advisor. But if you’re earning, saving, investing—and still wondering if it’s all adding up—we might be a good fit.
Clayton Gardner retweeted
Our Portfolio Manager @JohnB_Titan just got back from Buenos Aires where he met w/ Argentina's Finance Minister & several public co execs.
Argentina is one of our highest conviction investment theses at ~20% of our Offshore strategy AUM.
Let us explain why.
Clayton Gardner retweeted
I love this shit. Last month we were talking about scaling laws and the models not improving enough, and therefor the ROI was going to be broken and less GPUs
This month deepseek MLA/COT RL/FP8 and now the models are too good, which means less GPUs needed
Clayton Gardner retweeted
1/ Excited to share that @titanvest's hottest product – Smart Cash – just got even better. You can now lock in a 6.00%* yield just by referring friends.
share.titanvest.com/VbQq5jxv…
Clayton Gardner retweeted
1/ Municipal money mkt funds are delivering pretty high +4% after-tax yields right now, so a lot of Titan clients have asked if we’d consider adding them to Smart Cash. We’ve decided against it for the time being – here’s why:
🧵
Clayton Gardner retweeted
Betterment (and Wealthfront to a lesser extent) pioneered the robo-advisor revolution.
Now, every incumbent asset/wealth mgmt co offers some sort of robo-advisor solution. For Betterment and Wealthfront, the question becomes what’s next?
What’s interesting is each appears to be implementing starkly different strategies. Betterment is focused on the retirement & RIA custody businesses (think B2B), while Wealthfront has remained steadfast on D2C, evidenced by its recent launch of DIY investing.
Will each co still be known as a ‘robo-advisor’ in 5-10 years? Curious to watch this play out.
Clayton Gardner retweeted
Recently read a couple interesting facts (h/t @sytaylor)
- The US corporate bond mkt is 3x bigger than the US equities mkt ($130T vs $44T).
- 23% of wealth is held in stocks and just 3% is in bonds
I get that interest rates were paltry for decades. But times have changed.
Genuine q – what’s ‘missing’ from today’s fixed-income solutions (esp. for retail investors)? Feel like there’s room to enhance/simplify fixed-income investing.
Not saying someone should start “Robinhood for bonds,” but curious to learn if anyone’s building in this space.