The most inefficient markets in modern finance are on Reddit - and nobody talks about it.

Most funds ignore them. I used to, too. That was a mistake.

Retail-driven names are noisy, yeah. But sometimes noise is early signal. Sentiment on Reddit flips way before institutions even wake up. That’s the edge.

A few tickers I’ve been tracking:

• RDDT: Under-monetized engagement + huge LLM tailwind
• HOOD: Strong PFOF economics, getting smarter with AI investor tools
• PLTR: Fundamentals quietly compounding, TAM bigger than gov contracts suggest

Honestly, I dismissed these plays at first. “Reddit hype,” I thought. But the more I watched weird options flow, offhand comments, karma spikes - patterns emerged. The same ones that later showed up on scanners or in fund letters six months late.

The alpha isn’t in chasing headlines. It’s in understanding crowd psychology, float dynamics, and how capital flows tall connect to paint a picture of your thesis. That’s all hiding in plain sight here.

I keep a tracker of tickers that show up in low upvote and high comment threads (unpopular but perhaps true narrative) and that has been very helpful as a contraindicator.

Sorry we digressed on a bit of a tangent about stock investing, but this naturally leads into the central question.

. . .

Is this in the scope of financial planning?

Not on paper, but as AI become a bigger part of our lives, you will quickly realize you can start managing your own savings and investments instead of letting a financial planner allocate it to a 60/40 stock/bond portfolio, and charge you 2% for what is essentially free advice you can learn from any LLM.

Yes I am exaggerating somewhat, but the truth is not far from this if you look at your savings accounts and investment vehicles. Don't believe me? Take a screenshot and run it through ChatGPT.

The real cost of it is not the 2% fee you pay though, but the vast underperformance between a 60/40 portfolio and say a well-managed, diversified growth portfolio. This can easily exceed 10-20% annually if you start learning the nuances that I described above on your own (easily achievable with the right mindset and coach).

You investment, your retirement, on your own terms. Not a financial planner who wants you to never retire so he/she can collect that 2% on your growing investment accounts every year.

So yes, I do believe this will become a dominant theme in financial planning that is under-recognized right now.

As the economist Keynes once said: "when the facts change, I change my mind."