MORNING BRIEF

Wednesday, March 25, 2026

☀️ A sea turtle that hatched in 1962 is still swimming somewhere in the Pacific right now, unbothered by markets, rates, or geopolitics—just vibing.

Markets Snapshot

March 25, 2026 — 4:00 PM ET close

Equities rallied sharply on Wednesday as oil prices collapsed 5% after President Trump signaled active negotiations with Iran and sent a 15-point peace proposal, easing geopolitical risk premium. Yields fell across the curve as markets repriced inflation expectations downward—the 10-year dropped 6 basis points to 4.35%—and the VIX plunged 8.7% to 24.45, signaling a dramatic shift from risk-off to risk-on sentiment. The combination of de-escalation hopes, softer inflation outlook, and renewed institutional appetite for equities drove broad-based gains, with small-caps (Russell 2000 +3.44%) outperforming mega-cap tech.
Why It Matters: Today's move represents a critical inflection point in the Iran conflict narrative. For three weeks, markets had been pricing in a prolonged supply disruption and persistent inflation shock—oil had spiked to $113 on March 19. The sudden pivot to diplomacy signals that the geopolitical risk premium is collapsing, which has immediate implications for the Fed's rate path. If energy prices stabilize, inflation expectations will reset lower, increasing the probability of rate cuts later this year. This also explains why bonds rallied harder than stocks: the market is now pricing in a softer macro backdrop where the Fed can afford to ease without fighting persistent inflation. The real test comes next week when we see how oil holds and whether Iran's denial of talks is theater or substance.
📖 Finance Deep Dive: Today's cross-asset moves illustrate the mechanics of risk repricing in a geopolitical shock environment. When oil fell 5% on de-escalation hopes, three transmission channels activated simultaneously: (1) Inflation expectations reset lower—the 10-year yield fell 6bps despite a stronger dollar, indicating that real yields (nominal yield minus inflation expectations) actually fell more sharply, reflecting a downward revision to long-term inflation. (2) The equity risk premium compressed—as inflation risk declined, the discount rate (WACC) used to value future corporate earnings fell, making equities more attractive on a relative basis. This is why the Russell 2000 outperformed: small-caps are more sensitive to discount rate changes because their cash flows are further in the future. (3) The VIX collapsed 8.7% because implied volatility is a function of uncertainty, and geopolitical uncertainty just declined materially. Lower volatility reduces the cost of equity capital, further supporting valuations. The dollar's modest strength (+0.30% DXY) despite falling yields is noteworthy—it suggests that the de-escalation narrative is being interpreted as a 'risk-on' move (where USD weakness typically occurs) but is being offset by safe-haven flows as investors rotate out of hedges. Gold's +3.31% gain reflects real yield compression: as nominal yields fell faster than inflation expectations, real yields (the opportunity cost of holding non-yielding gold) declined, making gold more attractive. This is textbook risk-on with a macro twist—equities rallied not on growth optimism but on inflation relief and lower discount rates.
AMZN — Amazon
$195.50 +2.50% Biggest S&P 500 Mover

Amazon surged on Wednesday after UBS raised its AWS revenue growth forecast to +28% YoY for 1Q26 and +29% for full-year 2026, accelerating to +37% in 2027 as partnerships with Anthropic and OpenAI ramp. The cloud division's AI infrastructure capex guidance continues to impress, signaling sustained institutional demand for enterprise AI services. This move reflects broader market recognition that mega-cap tech's AI investments are translating into measurable revenue acceleration, not just speculative positioning.

Equities

S&P 500
6,605.00
1d: 🟢 +0.75%   YTD: 🔴 (0.70%)
NASDAQ
21,985.00
1d: 🟢 +0.92%   YTD: 🔴 (1.20%)
Dow
46,483.00
1d: 🟢 +0.77%   YTD: 🔴 (0.50%)
Russell 2000
2,522.35
1d: 🟢 +3.44%   YTD: 🟢 +2.80%
Mag 7
59.35
1d: 🟢 +1.69%   YTD: 🔴 (12.50%)
Nikkei 225
53,750.00
1d: 🟢 +2.87%   YTD: 🟢 +8.20%
Euro Stoxx 50
5,501.28
1d: 🔴 (2.00%)   YTD: 🔴 (3.50%)
MSCI EAFE
2,450.00
1d: 🟢 +0.50%   YTD: 🔴 (1.80%)
MSCI EM
1,180.00
1d: 🟢 +1.20%   YTD: 🔴 (2.10%)

Rates & Yield Curve

2Y Treasury
3.83%
1d: 🔴 (0.06%)   YTD: 🟢 +0.45%
10Y Treasury
4.35%
1d: 🔴 (0.06%)   YTD: 🟢 +0.35%
30Y Treasury
4.65%
1d: 🔴 (0.08%)   YTD: 🟢 +0.25%
2s/10s Spread
52bps
1d: 🟢 0bps   YTD: 🔴 (10bps)
30Y Mortgage Rate
6.45%
1d: 🔴 (0.12%)   YTD: 🟢 +0.55%

FX & Volatility

DXY
99.30
1d: 🟢 +0.30%   YTD: 🟢 +0.96%
VIX
24.45
1d: 🔴 (8.72%)   YTD: 🟢 +11.31%

Commodities

Gold
4,547.00
1d: 🟢 +3.31%   YTD: 🟢 +12.50%
WTI Crude
87.63
1d: 🔴 (5.10%)   YTD: 🟢 +34.20%
Brent Crude
99.30
1d: 🔴 (5.00%)   YTD: 🟢 +38.50%
Natural Gas
2.65
1d: 🔴 (2.20%)   YTD: 🔴 (8.30%)
Copper
4.18
1d: 🟢 +1.50%   YTD: 🟢 +5.80%

Crypto

BTC
71,669.00
1d: 🟢 +1.56%   YTD: 🟢 +18.50%
ETH
2,185.99
1d: 🟢 +2.36%   YTD: 🔴 (8.20%)
SOL
92.58
1d: 🟢 +3.14%   YTD: 🔴 (22.10%)
Economic Backdrop Fed Funds: 3.50–3.75%CPI: 2.4% YoY (Feb 2026)Unemployment: 3.9% (Feb 2026)Next FOMC: May 7 — 35% chance of cut
Prediction Markets
Will the Fed cut rates at the May 2026 FOMC meeting? 35% CME FedWatch
Will the S&P 500 hit 6,700 by end of Q2 2026? 48% Polymarket
Will oil prices stay below $100/barrel through April? 62% Kalshi
Will Bitcoin reach $80,000 by end of Q2 2026? 58% Polymarket
Will US inflation fall below 2.5% by June 2026? 41% Kalshi
78

Apollo Global Management Faces Redemption Crisis: $15B Private Credit Fund Hit with 11.2% Redemption Requests, Distributes 45 Cents on Dollar

  • Apollo's flagship $15B private credit fund received redemption requests totaling 11.2% of shares—more than double its 5% quarterly limit—forcing it to distribute 45 cents on the dollar.
  • The crisis reflects broader concerns about private credit liquidity and valuation transparency, with implications for the entire alternative asset management industry.

Apollo's $15 billion private credit fund was hit with redemption requests totaling 11.2% of shares — more than twice its 5% quarterly limit — and will distribute roughly 45 cents on the dollar to investors. Shares of the asset manager slipped over 3% in premarket trading Tuesday and are down nearly 24% so far this year. While peers like Blackstone have eased redemption limits to accommodate demand, Apollo is sticking to its 5% cap, describing the move as a way to preserve value. Even as Apollo has sought to distinguish itself by focusing on loans to large, stable businesses, software remains its largest sector exposure, accounting for 12.3% of the portfolio. This is a critical signal: private credit funds are facing redemption pressure because investors are questioning valuations and liquidity. The fact that Apollo is distributing 45 cents on the dollar suggests that the fund's mark-to-market valuations are significantly higher than what the market will pay. This has systemic implications—if private credit funds are forced to mark down valuations, it could trigger a broader repricing of illiquid assets and expose leverage in the financial system.

72

SpaceX IPO Rumors Intensify: Company Reportedly Preparing to File Prospectus This Week, Targeting $50B Raise at $1.8T Valuation

  • SpaceX is reportedly preparing to file its IPO prospectus as early as this week, with projections of a $50B raise implying a $1.8T valuation.
  • If the offering proceeds, it would instantly become one of the most significant public offerings in history, reshaping the aerospace and satellite industries.

We could soon see a SpaceX IPO. Rumors are intensifying that SpaceX could soon file its IPO prospectus—possibly as early as this week. Even more striking are projections that the offering could raise as much as $50 billion, implying a valuation near $1.8 trillion. If that scenario unfolds, it would instantly become one of the most significant public offerings in history. A SpaceX IPO would be transformational for the space economy and would provide a direct way for retail investors to gain exposure to the commercial space industry. The $1.8T valuation implies that markets are pricing in significant upside from Starlink, Starshield, and other SpaceX ventures. This is also a signal of broader market confidence—mega-cap IPOs typically occur when sentiment is strong and liquidity is abundant.

65

Merck Acquires Terns Pharmaceuticals for $6.7B; Expands GLP-1 Portfolio Amid Obesity Drug Boom

  • Merck announced a $6.7B acquisition of Terns Pharmaceuticals, adding to its GLP-1 receptor agonist pipeline as the obesity drug market accelerates.
  • The deal signals that pharma giants are willing to pay premium valuations for obesity drug assets, reflecting the massive market opportunity.

In the meantime, Merck was slightly higher after agreeing to buy Terns Pharmaceuticals for $6.7 billion. This acquisition reflects the intense competition for GLP-1 assets as the obesity drug market expands. Merck is betting that Terns' pipeline will complement its existing portfolio and provide optionality in a market where Novo Nordisk and Eli Lilly have established early dominance. The $6.7B price tag suggests that pharma companies are willing to pay significant premiums for obesity drug assets, which implies that the market opportunity is larger than consensus estimates.

Top Story

Trump's Iran Peace Proposal Triggers Market De-Escalation: Oil Crashes 5%, Yields Fall, Risk-On Reversal Accelerates

President Trump sent Tehran a 15-point plan to end the war, with the S&P 500 up 0.75%, or by 49 points. Oil prices fell on Wednesday after U.S. President Donald Trump said that Washington and Tehran are "in negotiations right now" and indicated Iran is keen to reach a peace agreement, despite the Islamic Republic denying any direct talks with the U.S. International benchmark Brent crude futures declined 5% to $99.30 per barrel, while U.S. West Texas Intermediate futures were also down 5.1% at $87.63 per barrel. The immediate catalyst is straightforward: de-escalation reduces the probability of a prolonged Strait of Hormuz disruption, which had been pricing in a 20% global oil supply shock. But the deeper story is about inflation expectations and the Fed's rate path. For three weeks, markets had been pricing in persistent energy inflation that would keep the Fed on hold through 2026. The yield on the 10-year US Treasury note fell to around 4.35% on Wednesday, pulling back from eight-month highs amid reports that the US was pursuing talks with Iran to end the conflict. President Donald Trump said Iran had offered a gesture of goodwill in negotiations tied to energy flows through the Strait of Hormuz. Israeli media also indicated that Washington was seeking a one-month ceasefire to facilitate talks, while the New York Times reported that the US had sent Iran a 15-point proposal to resolve the conflict. Still, investors remained skeptical as Tehran denied engaging in any negotiations with the US, while Gulf states signaled readiness to join the war against Iran. Oil prices eased on these developments, providing some relief to markets concerned that surging energy costs could fuel inflation and prompt interest rate hikes. This repricing has downstream consequences: if inflation expectations reset lower, the Fed's neutral rate becomes more accommodative, increasing the odds of rate cuts later this year. The market is now pricing in a softer macro backdrop where geopolitical risk is no longer the dominant driver of asset prices.

💡 Strait of Hormuz — a critical maritime chokepoint through which roughly 20% of global oil supply passes. Disruptions here directly impact global energy prices and inflation expectations. Geopolitical risk premium — the additional yield or price investors demand for holding assets in uncertain geopolitical environments; when risk declines, this premium compresses and asset prices rise.

Tech & AI

AWS Cloud Revenue Growth Accelerates to +37% in 2027 on AI Partnerships, UBS Raises Amazon Price Target to $285

  • UBS upgraded AWS revenue growth forecasts to +28% YoY for 1Q26, +29% for full-year 2026, and +37% for 2027, driven by Anthropic and OpenAI partnerships.
  • Amazon surged +2.50% as the market recognizes that mega-cap tech's AI capex is translating into measurable revenue acceleration, not just speculative positioning.

They also raised their price target to $285 from $65, as it projected AWS revenue growth of +28% Y/Y in 1Q26, +29% Y/Y for 2026E, accelerating to +37% Y/Y in 2027E as its partnerships with Anthropic and OpenAI ramp. This is the first concrete evidence that enterprise AI adoption is moving from pilot phase to production deployment. AWS's dominance in cloud infrastructure means it captures the lion's share of AI capex spending—every dollar of enterprise AI investment flows through AWS's data centers. The acceleration from +29% to +37% signals that AI workloads are scaling faster than consensus expected, which has implications for both Amazon's earnings power and the broader semiconductor supply chain. This also validates the thesis that mega-cap tech's massive AI investments are not speculative but are generating measurable revenue returns.

💡 WACC (Weighted Average Cost of Capital) — the discount rate used to value a company's future cash flows. When interest rates fall or inflation expectations decline, WACC falls, making future earnings more valuable in present-value terms, which drives stock prices higher.

Microsoft Reiterates Buy Rating Despite Price Target Cut to $510; M365/Copilot Narrative Needs Improvement

  • UBS maintained a buy rating on Microsoft but lowered its price target from $600 to $510, citing valuation concerns at 19x CY26E non-GAAP EPS.
  • The analyst noted that Microsoft's AI narrative around M365/Copilot adoption needs to improve to justify higher valuations, signaling skepticism on near-term productivity gains.

And analysts at UBS just reiterated a buy rating on Microsoft, while lowering its price target to $510 from $600. "At 19x CY26E non-GAAP EPS, we remain Buy-rated, but acknowledge that the narrative around M365/Copilot needs to improve in order for the stock to really re-rate higher," they added. This is a critical signal: UBS is saying that Microsoft's valuation is fair but not compelling unless the company can demonstrate that Copilot is driving measurable productivity gains and adoption in the enterprise. The gap between the old $600 target and the new $510 target reflects a repricing of AI upside—the market is becoming more skeptical that AI will deliver the transformational productivity boost that justified mega-cap tech's 2024-2025 rally. This suggests that mega-cap tech's AI narrative is entering a critical phase where execution and evidence matter more than hype.

💡 M365/Copilot — Microsoft's AI-powered productivity suite integrated into Office 365. Enterprise adoption of Copilot is critical to Microsoft's AI revenue thesis; without measurable productivity gains, adoption will stall.

Software Sector Continues Underperformance as AI Disruption Fears Persist; IGV Down 23% YTD

  • The iShares Expanded Tech-Software ETF (IGV) has plunged 23% YTD as investors fear AI will disrupt traditional software business models.
  • Salesforce and ServiceNow are among the worst performers, with concerns that AI will commoditize software and compress margins.

The iShares Expanded Tech-Software Sector ETF (IGV) was off more than 3%, trading at levels not seen since its close on Feb. 25. The ETF has sunk 23% in 2026 as worries over artificial intelligence disrupting software companies' business models spooked investors. Salesforce was off more than 5%, while ServiceNow fell more than 4%. This reflects a structural concern: if AI can automate software development and customer support, traditional software vendors' moats erode. The market is pricing in a scenario where AI commoditizes software, compressing margins and growth rates. This is a key divergence within tech—cloud infrastructure (AWS, Azure) is benefiting from AI capex, while traditional software is being disrupted by it.

💡 Moat — a competitive advantage that protects a company's market share and pricing power. AI threatens software vendors' moats by automating the tasks their software performs, reducing switching costs and pricing power.

Crypto & Web3

Bitcoin ETF Outflows Reverse as Institutional Caution Persists; BTC Consolidates Above $70K on Mixed Flows

  • Bitcoin ETFs recorded net outflows of $66.6M on March 24, reversing prior inflows, with Fidelity's FBTC leading the selling at -$45.3M.
  • Despite six-day inflow streak totaling $962M since March 9, institutional demand remains reactive to macro sentiment rather than directional.

Bitcoin ETFs recorded net outflows of $66.6 million on March 24, reversing prior inflows. Ethereum ETFs extended their negative trend with $40.7 million in outflows. According to data from Farside Investors Bitcoin ETF flows reversed course on March 24, with total net outflows of $66.6 million, signaling renewed caution among institutional investors. At the time of writing, Bitcoin was trading around $71,074, down modestly on the day and continuing to hold above the level of $70K and consolidating after recent volatility. The outflows suggest that institutional investors are taking profits after the recent rally, but the fact that BTC held above $70K indicates support is intact. Solana ETFs recorded modest net inflows of $4.5 million on March 24, marking one of the few positive signals across digital asset investment products. Gains were driven primarily by Bitwise's BSOL (+$3.0 million) and Franklin Templeton's SOEZ (+$1.5 million), while other issuers saw limited activity. Solana traded around $92.20, showing relative stability compared to larger assets. While flows remain small in absolute terms, the positive direction suggests emerging institutional interest, particularly as Solana continues to position itself as a high-performance blockchain for payments and applications. The divergence between Bitcoin/Ethereum outflows and Solana inflows suggests a rotation toward higher-beta, higher-growth crypto assets.

💡 ETF flows — the net inflows or outflows of capital into exchange-traded funds tracking an asset. Positive flows indicate institutional buying; negative flows indicate selling. Flows are a real-time signal of institutional positioning and sentiment.

Bernstein Sees Bitcoin Price Floor at Current Levels; Targets $150K by End of 2026 on Institutional Adoption Shift

  • Bernstein analysis suggests Bitcoin has reached a price floor and could climb to $150K by end of 2026 as institutional adoption reshapes market dynamics.
  • The shift from speculative to institutional ownership is reducing volatility and creating a more stable, capital-backed store of value narrative.

Bitcoin may have reached a price floor and could climb to $150,000 by the end of 2026, according to analysis from Bernstein, shared by Bloomberg. The examination points to a structural shift in market dynamics driven by institutional adoption. The report suggests that increasing participation from asset managers, corporates and financial intermediaries is reshaping Bitcoin from a speculative asset into a more stable, capital-backed store of value. This narrative is critical: if Bitcoin transitions from a speculative asset to an institutional reserve asset (like gold), the volatility profile changes and the valuation floor rises. The $150K target implies a 2x return from current levels, which is achievable if institutional adoption accelerates and Bitcoin's correlation with equities continues to decline.

💡 Institutional adoption — the process by which large asset managers, pension funds, and corporations begin holding crypto as part of their portfolios. This reduces retail speculation and increases price stability.

What's Ahead

Thursday, March 26: Initial Jobless Claims (weekly) — Expected 215K vs. prior 218K — Labor market data remains a key Fed input. Soft claims would support the case for rate cuts later this year, especially if oil prices stabilize and inflation expectations reset lower.
Friday, March 27: Personal Income & Spending (Feb) — Expected +0.2% MoM income, +0.3% MoM spending — Consumer spending data will help assess whether the labor market softness is translating into demand destruction. Weak spending would support the Fed's case for easing.
Monday, March 31: Manufacturing PMI (March preliminary) — Expected 48.5 vs. prior 48.2 — Manufacturing remains in contraction territory. A further decline would signal economic weakness and support the case for rate cuts, especially if geopolitical risk continues to ease.

Something Fascinating

Octopuses Can Taste With Their Arms: Scientists Discover Chemoreceptors on Suckers Allow Octopuses to Identify Food Before Eating

Octopuses are already known for their intelligence and problem-solving abilities, but a recent discovery reveals an even more alien sensory capability: they can taste with their arms. Scientists studying octopus neurobiology found that the suckers on their arms contain chemoreceptors—specialized cells that detect chemical compounds—allowing them to identify food, toxins, and other substances before bringing them to their mouths. This distributed taste system is a evolutionary adaptation to deep-sea environments where visibility is poor and speed is survival. An octopus can probe a crevice with its arm, taste what's inside, and decide whether to eat it in milliseconds. This also explains why octopuses are so dexterous and independent—each arm can make decisions autonomously based on what it's tasting, without waiting for the central brain to process visual information. It's a reminder that intelligence takes radically different forms in different environments, and that the ocean still holds profound mysteries about how life adapts to extreme conditions.

💡 Chemoreceptors — sensory cells that detect and respond to chemical compounds. In humans, chemoreceptors are concentrated in the nose and mouth; in octopuses, they're distributed across the arms, giving them a decentralized sensory system.

Morning Brief — Wednesday, March 25, 2026

Built by Phil Dressler

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