Who The Heck Am I? And Why I Bet Big on Just a Handful of Stocks.
High conviction analysis. Zero jargon.
Hey everyone!
Welcome! Grab a coffee (or a beer), get comfy, and let’s get to know each other.
My name is Waver, and I want to be your Finance Best Friend. You know, the one who helps you decode the madness when the market goes crazy? The one who explains why things are moving in plain English, without trying to sell you a magical course. I’m obsessed with analyzing incredible businesses, but I’m allergic to complexity.
My (Not So) Fancy Backstory
I’ve been swimming in the financial ocean for over a decade. My first real gig was as a sales trader at a big Spanish bank. It sounds fancy, right? Like Wolf of Wall Street stuff? Spoiler: It taught me a lot about fear, greed, and people screaming at screens. But it taught me almost nothing about analyzing business quality. Trading is about the next ten minutes. Investing is about understanding the next ten years.
So, I left the trading floor to work in Fintech (the plumbing of the financial world). I stopped trying to guess stock prices and started obsessing over how money actually moves around the world.
My “Sleep Well at Night” Philosophy
I’m not a financial advisor, and I don’t have a crystal ball. I am simply sharing my personal journey and my homework with you. I have a simple rule: If I can’t explain a business model to a five-year-old, I don’t invest in it.
Here is how I operate my own capital:
My Sandbox (Fintech & Money): I stick to what I know. I’ve spent my career in financial services, so that’s where I focus my research. I look for the companies that control the “rails” of the economy—payments, data, insurance. It’s my turf, so I try to spot the real compounds from the hype.
The “Crocodile” Test: I look for boring businesses with a massive “moat” (a competitive advantage) that keeps the crocodiles out of the castle.
The Desert Island Rule: If the stock market closed for 10 years, would I be happy holding this asset? If the answer is “meh,” I pass.
The Result: My “Ultra-Concentrated” Portfolio
My approach might sound extreme to a traditional banker. My personal portfolio is made up of just six stocks. Yes, six.
Historical Performance: My portfolio has averaged a 21% Compound Annual Growth Rate (CAGR) over the last 5 years. (Past performance is not indicative of future results, but hey, it’s been a good ride).
Conviction: I don’t “sprinkle” money around. My top 3 positions make up 65% of my holdings.
I treat these companies like I treat my friends: I pick them carefully, I study their history, and I aim to stick with them for the long haul.
What You Get Here
I publish four times a month. The goal is to make you smarter and help you understand how to analyze businesses yourself.
General Articles: We zoom out. I explain concepts like inflation, interest rates, or market psychology without putting you to sleep.
The Deep Dives: When I analyze a company for my own portfolio, I go down the rabbit hole. I write 20-30 page reports tearing the business mechanics and valuation apart. You get to peek over my shoulder and see exactly how I break down a stock.
Ready to roll?
My promise is simple: I’ll be honest, I’ll be transparent about my holdings, and I’ll try to make you laugh along the way.
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