From inside the industry
How the people who actually run money think about your portfolio.
Nearly two decades in the financial industry — inside the institutions, and advising them — translated into plain language. Real institutional knowledge, without the panic, the pitch, or the jargon.
I'm Philipp — the banker behind ProfitOwl. A new breakdown every week, and everything here is free.
Independent and ad-free. Nothing here is for sale — no course, no signals group, no affiliate broker links.
Why trust ProfitOwl
Since 2009
In the financial industry — six years inside State Street, then advising banks on strategy. Not a career in making content.
Sources named
Every number traces to a primary source — BIS, ECB, FINMA, SEC, the Bank of England.
Nothing to sell
No products, no affiliate links, no managed accounts. The incentive is to explain, not to sell.
Research
Work you can check, not just watch
Alongside the videos, ProfitOwl publishes original research built only from public filings — with the full dataset and the code that produced it, so every number can be rebuilt without asking anyone's permission.
All researchWorking paper · September 2026 · data and code public
The behavior gap, rebuilt from 341,049 SEC filings
The most quoted number in personal finance cannot be recomputed from its published method. This one can: investors in 7,073 US funds earned 8.97% a year, and the famous gap turns out to hinge on a single hidden share-class assumption.
- Filings
- 341,049
- Funds
- 7,073
- Rebuild
- byte for byte
Read the paper, get the data
Why Are Interest Rates So High in 2026? Debt, Inflation or the Fed
Latest
Why Are Interest Rates So High in 2026? Debt, Inflation or the Fed
Why did US interest rates jump in 2026? Debt, inflation and the Fed checked against the data, and what it means for your mortgage, your cash and the bonds you own. Episode 1 of Everyone Says.
15 min Everyone Says
The series
Bodies of work, not a feed of hot takes. Each one builds from first principles to the way professionals actually make decisions — watched in order, or dipped into as you need.
How Money Really Moves
How money actually moves through the financial system — not the version in the headlines, but the one that runs quietly in the background, every single day.
5 episodes
When Finance Breaks
The collapses that quietly built the system every investor uses today. Most finance content treats them as cautionary tales. This series treats them as pattern recognition.
5 episodes
Which Asset Class Is For You?
Gold, bonds, property, Bitcoin, index funds, derivatives. What each one actually is, what it is for, and who it is genuinely wrong for.
9 episodes
Investing in Real Life Scenarios
The decisions people actually face rather than the ones textbooks pose. Stop-losses, forced selling, when to sell, and the boring routines professionals run instead of relying on nerve.
6 episodes
Money Decisions
One decision. One framework. No noise. Eight episodes on the questions that actually change the outcome — cash or invested, debt or invest, rent or buy, how much risk.
8 episodes
Ask a Banker
One question real investors are actually asking, answered the way it would be answered inside a bank. A clear verdict, the evidence behind it, and the one case where it doesn't hold.
3 episodes
Everyone Says
Each episode takes one sentence people think they know about interest rates, debt and inflation, states it at its best, and then checks it against the data that can decide it. Every verdict comes with its date.
1 episodes
A new one every Tuesday
One idea from the institutional side of the desk, explained so you can actually use it. Ten minutes. No panic.
Subscribe on YouTube