Who The Heck Am I? And Why I Bet Big on Just a Handful of Stocks.

Your new Finance BFF is here. Let's talk about why knowing a few things really, really well is the only game I want to play.

Hey everyone,

Welcome! If you’ve just landed here, this is the post you should read first. It’s my "Hello, world!" and my core belief system all rolled into one. Grab a coffee, get comfy, and let’s get to know each other.

My name is [Your Name], and I want to be your finance best friend. The one you text when the market goes crazy, the one who helps you cut through the noise, and the one who is just as obsessed with finding incredible businesses as you are.

My Not-So-Straight Path to Investing

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?

Here’s the honest truth: that job taught me a ton about how markets move, how fear and greed look on a trading screen, and how quickly sentiment can turn on a dime. But it taught me almost nothing about how wealth is built. Trading is about the next ten minutes or ten hours. Investing, the real kind, is about the next ten years.

After my time on the trading floor, I jumped into the world of fintech, but my personal passion project was always the same: figuring out how to invest intelligently for the long haul. I spent thousands of hours reading, studying the greats (Buffett, Munger, Lynch), and slowly building my own framework. This journey eventually led me to pour everything I learned into my book, "Investing with Eagles," which I’m incredibly proud of.

But a book isn’t a living, breathing thing. This Substack is.

My "Sleep Well at Night" Investing Philosophy

You’ll quickly learn I’m not your typical stock market commentator. I don’t have a "hot tip of the week." I can’t tell you what the market will do next month.

Here’s what I can tell you: I know that my brain has a limited capacity. I can't follow hundreds of companies. Heck, I can't even follow dozens. So, I choose not to.

My entire philosophy is built on a few simple, non-negotiable rules:

1. The 5-Year-Old Test: I only invest in a business if its model is so simple I could explain how it makes money to a five-year-old. If it requires a complex spreadsheet and three acronyms to understand, I’m out.

2. My Two Sandboxes: Because of that first rule, you’ll find my portfolio is focused almost exclusively on two areas I’ve spent my career understanding: financial services and semiconductors. This is my turf. I know the players, the economics, and what matters.

3. The Desert Island Test: This is the big one. I only buy a company if I’d be perfectly comfortable owning it even if the stock market shut down for the next 10 years. I’m not interested in special situations, arbitrage, or fancy Wall Street games. I want predictable, durable businesses with a strong "moat"—a competitive advantage that keeps the crocodiles out of the castle.

4. Patience is My Superpower: I would much rather miss out on a potential winner because I wasn't 100% sure than rush into a decision and take a painful loss. My default setting is "no." This forces me to wait for the truly exceptional opportunities.

The Result: An "Ultra-Concentrated" Portfolio

This philosophy has led me to what many would call an extreme approach. My personal portfolio, which I’ve been running for four years, is made up of just six stocks.

Yes, you read that right. Six.

• It has averaged a 21% Compound Annual Growth Rate (CAGR) since its inception.

• The top 2 positions make up about 50% of the portfolio.

• The top 3 make up 65%.

• The top 4 make up a whopping 85%.

This isn't diversification for the sake of it; this is conviction. I know these six companies like I know my own family. I understand their histories, their leaders, their balance sheets, and their cultures. To give you an idea of the timeline, I spent nearly two full years researching before I felt confident enough to add the sixth company to the mix.

This is the opposite of throwing darts. This is precision hunting.

What to Expect From This Substack

So, what are you signing up for? You’ll get a direct look inside my brain and my process. I publish four articles every month, which generally fall into two categories:

1. General Topic Articles: We’ll zoom out and explore a broader financial or economic topic. Think of it as connecting the dots on how the world works, from inflation to interest rates to the psychology of the market.

2. The Deep Dives: When I’m considering a new company—or providing an update on an existing one—I go deep. And I mean deep. These are typically 20-30 page reports where I tear a business apart to understand it from the inside out. This is where you’ll see my "know it like my family" rule in action.

You’ll also get occasional reports and more frequent updates during earnings seasons.

The goal is to show you how to think, not what to think.

Ready to Join?

My promise to you is simple: I’ll be honest, I’ll be transparent, and I’ll share everything I learn on this journey.

If this sounds like your cup of tea, I’d be thrilled to have you along for the ride.

• Subscribe for free to get my general topic articles and see if you like my style.

• Become a paid member to get access to everything: the epic deep dives, the full portfolio details, and the ongoing analysis of the companies I own.

I’m excited to build this community with you. Let’s start a conversation in the comments—I’d love to hear what your biggest investing challenge is right now.

Cheers,