Ram Ahluwalia: The Speculative Boom Is Cracking | His Playbook for This "Goldilocks" Market

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Nov 14, 2025

Ram Ahluwalia, CEO of Lumida Wealth, shares insights from his banking and digital assets background. He explores the unwinding of speculative trades in high-beta markets like AI and crypto, suggesting we’ve entered a ‘Goldilocks Market.’ Ram discusses the shift in capital towards healthcare and energy infrastructure, while emphasizing the transformative power of tokenization in capital markets. He advises investors to pivot back to quality equities and highlights the importance of productivity gains and strategic positioning in today's evolving financial landscape.

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ANECDOTE

Founding Lumida After Seeing Legacy Gaps

Ram built Lumida Wealth to serve founders seeking tax‑aware, performance‑oriented wealth management.
He created a modern, app‑first platform after finding legacy firms misaligned and product‑driven.

ADVICE

Favor Curated Token Offerings With Alignment

Demand curation and investor protection as tokenized offerings scale; prefer curated listings with founder alignment.
Avoid crowded, poorly disclosed public crowdfunding without strong governance or vesting schedules.

ADVICE

Use Tokenization To Improve Tax Efficiency

Use tokenization to wrap high cash‑flow assets and convert taxable income into tax‑efficient long‑term gains.
Leverage cross‑margining and improved liquidity to unlock household balance‑sheet assets.

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Is the high-beta stock market boom finally breaking down, and why does one of today’s most forward-thinking investors believe we’ve quietly entered a “Goldilocks Market” despite this? Ram Ahluwalia, CEO of Lumida Wealth, joins CoinFund President Chris Perkins to explain why speculative trades in AI, crypto, uranium, and other high-beta sectors are unwinding even as earnings stay strong, productivity rises, and inflation trends lower. He lays out where capital is likely to flow next: from quality compounders and financials to healthcare, defense tech, energy infrastructure, and the fast-growing baby-boomer economy. Ram also breaks down how tokenization is transforming capital markets through tax efficiency, better liquidity, and new access to real-world yield.

If you want a clear, high-conviction roadmap for navigating the next phase of this “goldilocks” market, this conversation is essential viewing.

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