Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade_老虎社区_美港股上老虎

Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade

Motley Fool2021-12-08

Legendary investor Peter Lynch once offered this advice: "All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...

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221

HengHuat
·2021-12-09
Really?
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Eepin
·2021-12-09
Upstart looks promising.Lending business is still strong and viable.By offering convenience,efficiency and lower rates,its a very attractive proposition for customers.DigitalOcean?hmmm…
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1
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Kong06
·2021-12-09
👌
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1
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Mhong
·2021-12-09
Like & comment
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6
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- Kong06:
  Ok
  2021-12-09
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- JeremyKok:
  hi. please like and comment back. thank you.
  2021-12-09
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- J288:
  ok
  2021-12-09
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Gladys8jk
·2021-12-09
👍
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4
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jgaldon
·2021-12-09
Yes, definitely worth a check
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Steve81
·2021-12-09
Jiayou
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5
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- Steve81:
  Good
  2021-12-09
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james_l
·2021-12-09
Upstart is really attractive business but it has somehow become a trader stock. It dropped massively even after earnings beat.
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7
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koolgal
·2021-12-09
$Upstart Holdings, Inc.(UPST)$ and $DigitalOcean Holdings, Inc.(DOCN)$ look promising so I will check them out. 🤔
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- koolgal:
  Thanks for sharing
  2021-12-10
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- koolgal:
  Thanks for sharing
  2021-12-10
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- Last Judgement:
  agreed，fintech is too crowd，AI algorithm evolves too fast Idoubt there won’t be other players. And for DOCN I couldnt figure out way it is so cheap compared to amzn.
  2021-12-10
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查看更多 2 条评论
SK19
·2021-12-08
💪💪💪
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3
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Phillipsan
·2021-12-08
Buy those metaverse related such as Facebook with potential growth
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6
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AvG
·2021-12-08
Please like and comment
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6
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收起
- JeremyKok:
  hi. please like and comment back. thank you.
  2021-12-09
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- Rsolo:
  ok
  2021-12-08
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wallence82
·2021-12-08
Upstart is a better choice
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3
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- Phyusin:
  Really?
  2021-12-09
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Jialatsia
·2021-12-08
Meep
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1
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ahong2706
·2021-12-08
K
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1
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- Yao84:
  Sure or not
  2021-12-08
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JcJc
·2021-12-08
Dun believed 😹
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4
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wssw
·2021-12-08
.
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1
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whitesnake
·2021-12-08
🤨🤨🤨🤨🤨🤨
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3
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Kyeno
·2021-12-08
Not worth it. Nvr buy any of those transport companise that provide services only. Like Uber, didi , grab, Tata etc ….
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5
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Bodoh
·2021-12-08
Fool’s article again
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- sunshine138:
  Haha
  2021-12-08
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- longls:
  yes indeed
  2021-12-08
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2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4099","symbol_name":"汽车制造商","start_time":0,"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","article_id":"2189631254","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","pubTimestamp":1638953138,"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","collect":0,"end_time":0,"defaultTopTitle":"fool.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4099":"汽车制造商","BK4561":"索罗斯持仓","BK4166":"消费信贷","BK4523":"印度概念","TTM":"塔塔汽车","BK4116":"互联网服务与基础架构","UPST":"Upstart Holdings, Inc.","DOCN":"DigitalOcean Holdings, Inc."},"translate_title":"想成为百万富翁吗？未来十年购买和持有的2只股票","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"DOCN":0.9,"TTM":0.9,"UPST":0.9},"content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[{"id":602511695,"gmtCreate":1639040487868,"gmtModify":1639040488102,"author":{"id":"4089527924629590","authorId":"4089527924629590","name":"HengHuat","avatar":"https://static.tigerbbs.com/5854d1323f59ffe9e66dca6d58fd6af8","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"Really?&nbsp;","listText":"Really?&nbsp;","text":"Really?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602511695","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602513458,"gmtCreate":1639040403366,"gmtModify":1639042836959,"author":{"id":"4100139672991320","authorId":"4100139672991320","name":"Eepin","avatar":"https://static.tigerbbs.com/be6504be372ba077476c43ec3530cdd9","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"Upstart looks promising.Lending business is still strong and&nbsp;viable.By offering convenience,efficiency and lower rates,its a very attractive proposition for customers.DigitalOcean?hmmm…","listText":"Upstart looks promising.Lending business is still strong and&nbsp;viable.By offering convenience,efficiency and lower rates,its a very attractive proposition for customers.DigitalOcean?hmmm…","text":"Upstart looks promising.Lending business is still strong and viable.By offering convenience,efficiency and lower rates,its a very attractive proposition for customers.DigitalOcean?hmmm…","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602513458","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602685703,"gmtCreate":1639015262222,"gmtModify":1639015262498,"author":{"id":"3581903045598734","authorId":"3581903045598734","name":"Kong06","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"👌&nbsp;","listText":"👌&nbsp;","text":"👌","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602685703","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602881621,"gmtCreate":1639007143075,"gmtModify":1639007144079,"author":{"id":"3578449123371823","authorId":"3578449123371823","name":"Mhong","avatar":"https://static.tigerbbs.com/f1110c90505cf18cc129130892c4dc2a","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"Like &amp; comment&nbsp;","listText":"Like &amp; comment&nbsp;","text":"Like & comment","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":3,"repostSize":0,"link":"https://laohu8.com/post/602881621","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6907959,"gmtCreate":1639015269032,"gmtModify":1639015269066,"authorId":3581903045598734,"author":{"id":3581903045598734,"authorId":3581903045598734,"name":"Kong06","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602881621,"type":1,"supId":0,"prevId":0,"content":"Ok","text":"Ok","html":"Ok"},{"id":6907656,"gmtCreate":1639014195064,"gmtModify":1639014195102,"authorId":3567307840510045,"author":{"id":3567307840510045,"authorId":3567307840510045,"name":"JeremyKok","avatar":"https://static.tigerbbs.com/01b03a485f83b6b2615fad8ac9b87bf4","vip":1,"crmLevel":5,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602881621,"type":1,"supId":0,"prevId":0,"content":"hi. please like and comment back. thank you.","text":"hi. please like and comment back. thank you.","html":"hi. please like and comment back. thank you."},{"id":6905089,"gmtCreate":1639007379460,"gmtModify":1639007379553,"authorId":3581761980405366,"author":{"id":3581761980405366,"authorId":3581761980405366,"name":"J288","avatar":"https://static.tigerbbs.com/f139ffb0e1f3cec014732c0986adcded","vip":1,"crmLevel":4,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602881621,"type":1,"supId":0,"prevId":0,"content":"<u>ok</u>","text":"<u>ok</u>","html":"<u>ok</u>"}],"langContent":"CN"},{"id":602839903,"gmtCreate":1639005591388,"gmtModify":1639005591649,"author":{"id":"4094787128284850","authorId":"4094787128284850","name":"Gladys8jk","avatar":"https://static.tigerbbs.com/789bbf473867763cd44be080e269826d","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"👍","listText":"👍","text":"👍","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602839903","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602804693,"gmtCreate":1639004605520,"gmtModify":1639004605866,"author":{"id":"3585783151794537","authorId":"3585783151794537","name":"jgaldon","avatar":"https://static.tigerbbs.com/7ac1bf876c504881c7cc0ca4968b92bb","vip":1,"crmLevel":6,"crmLevelSwitch":0},"htmlText":"Yes, definitely worth a check&nbsp;","listText":"Yes, definitely worth a check&nbsp;","text":"Yes, definitely worth a check","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602804693","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602144362,"gmtCreate":1639002027971,"gmtModify":1639002028188,"author":{"id":"3583228594556766","authorId":"3583228594556766","name":"Steve81","avatar":"https://static.tigerbbs.com/8451fbd9311bbb12faabfa8f6138ef34","vip":1,"crmLevel":4,"crmLevelSwitch":0},"htmlText":"Jiayou&nbsp;","listText":"Jiayou&nbsp;","text":"Jiayou","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/602144362","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6903420,"gmtCreate":1639002033334,"gmtModify":1639002033361,"authorId":3583228594556766,"author":{"id":3583228594556766,"authorId":3583228594556766,"name":"Steve81","avatar":"https://static.tigerbbs.com/8451fbd9311bbb12faabfa8f6138ef34","vip":1,"crmLevel":4,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602144362,"type":1,"supId":0,"prevId":0,"content":"Good","text":"Good","html":"Good"}],"langContent":"CN"},{"id":602158378,"gmtCreate":1638998350503,"gmtModify":1638999374663,"author":{"id":"3563436875655076","authorId":"3563436875655076","name":"james_l","avatar":"https://static.tigerbbs.com/7960ea5c640db331ff2de0da32f6a611","vip":1,"crmLevel":5,"crmLevelSwitch":0},"htmlText":"Upstart is really attractive business but it has somehow become a trader stock. It dropped massively even after earnings beat.","listText":"Upstart is really attractive business but it has somehow become a trader stock. It dropped massively even after earnings beat.","text":"Upstart is really attractive business but it has somehow become a trader stock. It dropped massively even after earnings beat.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602158378","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602124629,"gmtCreate":1638996501333,"gmtModify":1638996501333,"author":{"id":"3559581955535845","authorId":"3559581955535845","name":"koolgal","avatar":"https://static.tigerbbs.com/c05274d88ffc0434623e57350c52c70a","vip":2,"crmLevel":6,"crmLevelSwitch":0},"htmlText":"<a href=\"https://laohu8.com/S/UPST\">$Upstart Holdings, Inc.(UPST)$</a>&nbsp;and&nbsp;<a href=\"https://laohu8.com/S/DOCN\">$DigitalOcean Holdings, Inc.(DOCN)$</a>&nbsp;look promising so I will check them out. 🤔","listText":"<a href=\"https://laohu8.com/S/UPST\">$Upstart Holdings, Inc.(UPST)$</a>&nbsp;and&nbsp;<a href=\"https://laohu8.com/S/DOCN\">$DigitalOcean Holdings, Inc.(DOCN)$</a>&nbsp;look promising so I will check them out. 🤔","text":"$Upstart Holdings, Inc.(UPST)$ and $DigitalOcean Holdings, Inc.(DOCN)$ look promising so I will check them out. 🤔","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":15,"commentSize":6,"repostSize":0,"link":"https://laohu8.com/post/602124629","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6917111,"gmtCreate":1639084685742,"gmtModify":1639084685742,"authorId":3559581955535845,"author":{"id":3559581955535845,"authorId":3559581955535845,"name":"koolgal","avatar":"https://static.tigerbbs.com/c05274d88ffc0434623e57350c52c70a","vip":2,"crmLevel":6,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602124629,"type":1,"supId":6916644,"prevId":0,"content":"Thanks for sharing","text":"Thanks for sharing","html":"Thanks for sharing"},{"id":6917109,"gmtCreate":1639084672078,"gmtModify":1639084672078,"authorId":3559581955535845,"author":{"id":3559581955535845,"authorId":3559581955535845,"name":"koolgal","avatar":"https://static.tigerbbs.com/c05274d88ffc0434623e57350c52c70a","vip":2,"crmLevel":6,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602124629,"type":1,"supId":6916533,"prevId":0,"content":"Thanks for sharing","text":"Thanks for sharing","html":"Thanks for sharing"},{"id":6916644,"gmtCreate":1639070213685,"gmtModify":1639070213685,"authorId":3568722625063982,"author":{"id":3568722625063982,"authorId":3568722625063982,"name":"Last Judgement","avatar":"https://static.tigerbbs.com/3f1a736255449d61a82fbb63f802c1cb","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602124629,"type":1,"supId":0,"prevId":0,"content":"agreed，fintech is too crowd，AI algorithm evolves too fast Idoubt there won’t be other players. And for DOCN I couldnt figure out way it is so cheap compared to amzn.","text":"agreed，fintech is too crowd，AI algorithm evolves too fast Idoubt there won’t be other players. And for DOCN I couldnt figure out way it is so cheap compared to amzn.","html":"agreed，fintech is too crowd，AI algorithm evolves too fast Idoubt there won’t be other players. And for DOCN I couldnt figure out way it is so cheap compared to amzn."},{"id":6916533,"gmtCreate":1639068607404,"gmtModify":1639068607511,"authorId":3575549636304964,"author":{"id":3575549636304964,"authorId":3575549636304964,"name":"Mythz","avatar":"https://static.tigerbbs.com/fe072da34a32434caeeb48d8b9daaec1","vip":1,"crmLevel":7,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602124629,"type":1,"supId":0,"prevId":0,"content":"Server technologies definitely cannot win the big4. But it is growing strong for digital ocean. Students are all exposed to this technology and more and more companies are adopting to this.","text":"Server technologies definitely cannot win the big4. But it is growing strong for digital ocean. Students are all exposed to this technology and more and more companies are adopting to this.","html":"Server technologies definitely cannot win the big4. But it is growing strong for digital ocean. Students are all exposed to this technology and more and more companies are adopting to this."},{"id":6910402,"gmtCreate":1639027856732,"gmtModify":1639027856732,"authorId":3559581955535845,"author":{"id":3559581955535845,"authorId":3559581955535845,"name":"koolgal","avatar":"https://static.tigerbbs.com/c05274d88ffc0434623e57350c52c70a","vip":2,"crmLevel":6,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602124629,"type":1,"supId":6910276,"prevId":0,"content":"You have a good point. Thanks for sharing","text":"You have a good point. Thanks for sharing","html":"You have a good point. Thanks for sharing"}],"langContent":"CN"},{"id":602196368,"gmtCreate":1638978605148,"gmtModify":1638978605332,"author":{"id":"3577755293052640","authorId":"3577755293052640","name":"SK19","avatar":"https://static.tigerbbs.com/ee6b25332525b16399562f21677fa1cd","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"💪💪💪","listText":"💪💪💪","text":"💪💪💪","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602196368","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602364139,"gmtCreate":1638974086915,"gmtModify":1638974232952,"author":{"id":"4092664462639970","authorId":"4092664462639970","name":"Phillipsan","avatar":"https://static.tigerbbs.com/9f364c09b985ef2a4f7e1383be3528ad","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"Buy those metaverse related such as Facebook with potential growth&nbsp;","listText":"Buy those metaverse related such as Facebook with potential growth&nbsp;","text":"Buy those metaverse related such as Facebook with potential growth","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602364139","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602365603,"gmtCreate":1638974023645,"gmtModify":1638974023645,"author":{"id":"3581903334861000","authorId":"3581903334861000","name":"AvG","avatar":"https://static.tigerbbs.com/51f06b3d9abad1be85026bf465ff1018","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"Please like and comment&nbsp;","listText":"Please like and comment&nbsp;","text":"Please like and comment","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/602365603","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6907658,"gmtCreate":1639014212838,"gmtModify":1639014212868,"authorId":3567307840510045,"author":{"id":3567307840510045,"authorId":3567307840510045,"name":"JeremyKok","avatar":"https://static.tigerbbs.com/01b03a485f83b6b2615fad8ac9b87bf4","vip":1,"crmLevel":5,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602365603,"type":1,"supId":0,"prevId":0,"content":"hi. please like and comment back. thank you.","text":"hi. please like and comment back. thank you.","html":"hi. please like and comment back. thank you."},{"id":6900943,"gmtCreate":1638975505736,"gmtModify":1638975505834,"authorId":3579172395548072,"author":{"id":3579172395548072,"authorId":3579172395548072,"name":"Rsolo","avatar":"https://static.tigerbbs.com/7425642d746f53f1bbf303c7b30adf7e","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602365603,"type":1,"supId":0,"prevId":0,"content":"ok","text":"ok","html":"ok"}],"langContent":"CN"},{"id":602360336,"gmtCreate":1638973308053,"gmtModify":1638973486126,"author":{"id":"3564307944903490","authorId":"3564307944903490","name":"wallence82","avatar":"https://static.tigerbbs.com/dea005ab03386f13fa25c505b9a3221a","vip":1,"crmLevel":6,"crmLevelSwitch":0},"htmlText":"Upstart is a better choice","listText":"Upstart is a better choice","text":"Upstart is a better choice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/602360336","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6903594,"gmtCreate":1639002921924,"gmtModify":1639002921955,"authorId":3584490239949882,"author":{"id":3584490239949882,"authorId":3584490239949882,"name":"Phyusin","avatar":"https://static.tigerbbs.com/73d7e61a3a910d1d25acb7dcee29f7ca","vip":1,"crmLevel":4,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602360336,"type":1,"supId":0,"prevId":0,"content":"Really?","text":"Really?","html":"Really?"}],"langContent":"CN"},{"id":602387017,"gmtCreate":1638973111856,"gmtModify":1638973112388,"author":{"id":"4087959350378170","authorId":"4087959350378170","name":"Jialatsia","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":6,"crmLevelSwitch":0},"htmlText":"Meep","listText":"Meep","text":"Meep","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602387017","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602388531,"gmtCreate":1638972539303,"gmtModify":1638972539473,"author":{"id":"3580359170890697","authorId":"3580359170890697","name":"ahong2706","avatar":"https://static.tigerbbs.com/0016ddf5c57401a3852f07709daabd2a","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"K","listText":"K","text":"K","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/602388531","repostId":2189631254,"repostType":2,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6900323,"gmtCreate":1638973103300,"gmtModify":1638973103332,"authorId":3578997581123464,"author":{"id":3578997581123464,"authorId":3578997581123464,"name":"Yao84","avatar":"https://static.tigerbbs.com/5e30432f9f4a2555514d757fdb9c4f0d","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602388531,"type":1,"supId":0,"prevId":0,"content":"Sure or not","text":"Sure or not","html":"Sure or not"}],"langContent":"CN"},{"id":602381594,"gmtCreate":1638972395554,"gmtModify":1638972396711,"author":{"id":"4088126420960140","authorId":"4088126420960140","name":"JcJc","avatar":"https://static.tigerbbs.com/3a18de000ce7013be088f3ab4082bd27","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"Dun believed 😹","listText":"Dun believed 😹","text":"Dun believed 😹","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602381594","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602381061,"gmtCreate":1638972353347,"gmtModify":1638972353347,"author":{"id":"4101369305329190","authorId":"4101369305329190","name":"wssw","avatar":"https://static.tigerbbs.com/afefc6668d537eedd83361affd1b27e5","vip":1,"crmLevel":5,"crmLevelSwitch":0},"htmlText":".","listText":".","text":".","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602381061","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602317430,"gmtCreate":1638972112741,"gmtModify":1638972213588,"author":{"id":"4094787464285000","authorId":"4094787464285000","name":"whitesnake","avatar":"https://static.tigerbbs.com/86038a40c72380b34bced828cc9422b2","vip":1,"crmLevel":5,"crmLevelSwitch":0},"htmlText":"🤨🤨🤨🤨🤨🤨","listText":"🤨🤨🤨🤨🤨🤨","text":"🤨🤨🤨🤨🤨🤨","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602317430","repostId":2189631254,"repostType":2,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602317263,"gmtCreate":1638972107426,"gmtModify":1638972213121,"author":{"id":"4097887764268680","authorId":"4097887764268680","name":"Kyeno","avatar":"https://static.tigerbbs.com/0d5becccf9434d4b95145e28591d97b5","vip":1,"crmLevel":1,"crmLevelSwitch":0},"htmlText":"Not worth it. Nvr buy any of those transport companise that provide services only. Like Uber, didi , grab, Tata etc ….&nbsp;","listText":"Not worth it. Nvr buy any of those transport companise that provide services only. Like Uber, didi , grab, Tata etc ….&nbsp;","text":"Not worth it. Nvr buy any of those transport companise that provide services only. Like Uber, didi , grab, Tata etc ….","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602317263","repostId":2189631254,"repostType":2,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":602939374,"gmtCreate":1638954238352,"gmtModify":1638954720672,"author":{"id":"3559859558754319","authorId":"3559859558754319","name":"Bodoh","avatar":"https://static.tigerbbs.com/349218ea2852130ca86ce660b4aa2d59","vip":1,"crmLevel":3,"crmLevelSwitch":0},"htmlText":"Fool’s article again","listText":"Fool’s article again","text":"Fool’s article again","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/602939374","repostId":2189631254,"repostType":4,"repost":{"id":"2189631254","pubTimestamp":1638953138,"share":"https://www.laohu8.com/m/news/2189631254?lang=&edition=full","pubTime":"2021-12-08 16:45","market":"us","language":"en","title":"Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade","url":"https://stock-news.laohu8.com/highlight/detail?id=2189631254","media":"Motley Fool","summary":"$200,000 invested in these businesses could be worth $1 million in a decade.","content":"<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.</p>\n<p>In fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think <b>Upstart Holdings</b> (NASDAQ:UPST) and <b>DigitalOcean</b> (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.</p>\n<p class=\"t-img-caption\"><img src=\"https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F656104%2Fa-young-person-looks-at-her-phone-and-through-paperwork-at-a-table.jpg&amp;w=700&amp;op=resize\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"><span>Image source: Getty Images</span></p>\n<h2>1. Upstart Holdings</h2>\n<p>For over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.</p>\n<p>Upstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600&nbsp;data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million&nbsp;repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.</p>\n<p>Case in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.</p>\n<p>Of course, Upstart benefits, too. The company's top line is growing like wildfire.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$213.9 million</p></td>\n   <td width=\"156\"><p>$620.7 million</p></td>\n   <td width=\"156\"><p>190%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: Upstart SEC&nbsp;Filings, Ycharts. TTM: trailing-12-months.</p>\n<p>Last December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on <i>CNBC's Mad Money</i>, CEO David Girouard said,&nbsp;\"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"</p>\n<p>Here's the bottom line: Upstart-powered loans totaled $8.9 billion&nbsp;over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.</p>\n<h2>2. DigitalOcean</h2>\n<p>Cloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like <b>Amazon</b> and <b>Microsoft</b> tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.</p>\n<p>That's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.</p>\n<p>Collectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>Q3 2020 (TTM)</p></th>\n   <th><p>Q3 2021 (TTM)</p></th>\n   <th><p>Change</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td width=\"156\"><p>Customers</p></td>\n   <td width=\"156\"><p>559,000</p></td>\n   <td width=\"156\"><p>598,000</p></td>\n   <td width=\"156\"><p>7%</p></td>\n  </tr>\n  <tr>\n   <td width=\"156\"><p>Revenue</p></td>\n   <td width=\"156\"><p>$300.2 million</p></td>\n   <td width=\"156\"><p>$396.4 million</p></td>\n   <td width=\"156\"><p>32%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>Source: DigitalOcean&nbsp;SEC filings, YCharts. TTM = trailing-12-months.</p>\n<p>Looking ahead, management puts its addressable market at $116 billion&nbsp;by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.</p>\n<p>Currently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant to Be a Millionaire? 2 Stocks to Buy and Hold for the Next Decade\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-08 16:45 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4166":"消费信贷","BK4116":"互联网服务与基础架构","BK4523":"印度概念","BK4099":"汽车制造商","DOCN":"DigitalOcean Holdings, Inc.","UPST":"Upstart Holdings, Inc.","TTM":"塔塔汽车","BK4561":"索罗斯持仓"},"source_url":"https://www.fool.com/investing/2021/12/07/want-to-be-a-millionaire-2-stocks-to-buy-and-hold/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2189631254","content_text":"Legendary investor Peter Lynch once offered this advice: \"All you need for a lifetime of successful investing is a few big winners, and the pluses from those will overwhelm the minuses from the stocks that don't work out.\" Of course, no one likes to lose money, but not even the best investors are right all the time. Fortunately, stocks can only go down 100%, but there is no limit to the potential upside.\nIn fact, if you adopt a long-term mindset and build a diversified portfolio, some of those stocks will probably grow several-fold in value. And those monster returns will more than make up for your losses. With that in mind, I think Upstart Holdings (NASDAQ:UPST) and DigitalOcean (NYSE:DOCN) are well positioned to grow fivefold or more over the next decade, a pace that would turn $200,000 into at least $1 million.\nImage source: Getty Images\n1. Upstart Holdings\nFor over thirty years, financial institutions have relied on the FICO score -- a three digit number that considers just 12 to 20 variables -- in order to determine who qualifies for a loan and at what interest rate. But Upstart believes that outdated system often fails to accurately quantify risk. In turn, that means many borrowers pay too much for credit, while other creditworthy applicants are rejected without good reason.\nUpstart is on a mission to make consumer credit more accessible. The company leans on big data and artificial intelligence, collecting over 1,600 data points per borrower, most of which are not considered by traditional credit models. For instance, Upstart captures signals like employment, educational history, and macroeconomic factors. The company then trains that data against 10.5 million repayments events (and counting). That means each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a network effect.\nCase in point: Compared to traditional credit models, Upstart can approve 27% more borrowers with a 16% lower average interest rate, according to the Consumer Financial Protection Bureau. That's a compelling value proposition on both sides of the equation. Banks benefit by doing more business (with lower fraud and loss rates), while consumers benefit from greater access to credit at lower interest rates.\nOf course, Upstart benefits, too. The company's top line is growing like wildfire.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nRevenue\n$213.9 million\n$620.7 million\n190%\n\n\n\nSource: Upstart SEC Filings, Ycharts. TTM: trailing-12-months.\nLast December, Upstart had 10 banks on its platform when it went public. That figure has already tripled, but management still sees plenty of growth on the horizon. During a recent interview on CNBC's Mad Money, CEO David Girouard said, \"I would be shocked in a couple years if we don't have hundreds of banks and credit unions on the platform.\"\nHere's the bottom line: Upstart-powered loans totaled $8.9 billion over the last 12 months, representing just 1% of its $753 billion market opportunity. For that reasons, I think this $14 billion fintech company could grow fivefold or even tenfold in the next 10 years.\n2. DigitalOcean\nCloud computing has fundamentally changed the IT ecosystem. Organizations can now access services like compute, storage, and networking through the internet, allowing them to build and scale applications quickly, without buying costly on-site hardware. However, cloud vendors like Amazon and Microsoft tend to target large enterprises, meaning their solutions are often too complex for small- and medium-sized businesses (SMBs) or individual developers.\nThat's where DigitalOcean comes in. Its platform democratizes cloud computing, making it possible to deploy infrastructure and platform services in minutes without specialized training. That means developers can quickly access the resources needed to build, secure, and monitor scalable applications. DigitalOcean also provides developer tutorials and 24/7 technical support to every customer, regardless of size.\nCollectively, those qualities differentiate DigitalOcean, helping the company carve out a niche in the highly competitive cloud computing industry. As a result, its business is growing at a solid clip.\n\n\n\nMetric\nQ3 2020 (TTM)\nQ3 2021 (TTM)\nChange\n\n\n\n\nCustomers\n559,000\n598,000\n7%\n\n\nRevenue\n$300.2 million\n$396.4 million\n32%\n\n\n\nSource: DigitalOcean SEC filings, YCharts. TTM = trailing-12-months.\nLooking ahead, management puts its addressable market at $116 billion by 2024 -- that's 290 times TTM revenue. More importantly, DigitalOcean's focus on simplicity is clearly resonating with customers. Its retention rate has expanded for seven consecutive quarters, and it currently sits at 116%, meaning the average customer spent 16% more over the past year.\nCurrently, DigitalOcean has a market cap of $8.9 billion -- but given the scope of the market, the tailwinds of digital transformation, and the company's differentiated business model, I wouldn't be surprised to see this stock grow at least five times its current value over the next decade.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6901521,"gmtCreate":1638977379643,"gmtModify":1638977379671,"authorId":3586655655659820,"author":{"id":3586655655659820,"authorId":3586655655659820,"name":"sunshine138","avatar":"https://static.tigerbbs.com/23149c63a63bfeec1572cc27e1322750","vip":1,"crmLevel":4,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602939374,"type":1,"supId":0,"prevId":0,"content":"<u>Haha</u>","text":"<u>Haha</u>","html":"<u>Haha</u>"},{"id":6900464,"gmtCreate":1638973768660,"gmtModify":1638973768757,"authorId":3579076958972231,"author":{"id":3579076958972231,"authorId":3579076958972231,"name":"longls","avatar":"https://static.tigerbbs.com/447165139381fe0d9b0eab06c8fdbbd0","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":602939374,"type":1,"supId":0,"prevId":0,"content":"yes <u>indeed</u>","text":"yes <u>indeed</u>","html":"yes <u>indeed</u>"}],"langContent":"CN"}],"hasMoreComments":true,"newsSizeData":{"likeSize":221,"commentSize":0,"repostSize":0,"favoriteSize":17,"likeStatus":false,"favoriteStatus":false}}