About the Subscription
What exactly do I get as a subscriber?
A monthly investment letter with stock picks, analysis, and insights.
What does the letter comprise of?
It's usually our past performance, portfolio, changes we did during the past period and deep dive into our holdings. Occasionally we also incorporate something miscellaneous if we find that of value to the subscribers.
How much does it cost?
$99 per year
How is this different from others' content?
It’s focused, value investment themed, and documents real time thinking. We don't charge percentage of your assets as fees, we are brutally transparent and charge a fee which is less than monthly coffee bill of an average US living individual.
Do you share your own portfolio?
Yes, I share all my personal holdings and rationale behind them.
Do you offer any student discounts?
No, we don't.
About Me
Why don't you reveal yourself? Who are you?
I believe content should be the king. I think me and my team can easily manipulate data and leverage strong branding to get subscribers. However we want to rely on content and what we offer rather than using my name for marketing
Is this social service? Why are you charging fees if you're well off financially?
Firstly, mostly for everything, if something is free, you are the product.
Fees are charged mostly for two factors. It helps in paying off bills and salaries to my team of three people. Secondly, I've learned that free products are rarely considered important. This is the reason I've kept a moderate fees which is less than monthly coffee bills of an average American individual.
Do you do this full-time?
Yes. I am semi-retired however I can't take my mind off of stocks so this is my most passionate project.
Do you have a team that analyzes stocks?
No, I do all the research on my own. At times they help me find the report or some other information but all the investment analysis and decisions are done by me.
I do have a team of three people who manage the subscribers, keep this website running and manage other backend operations.
What is your investing philosophy?
We invest in long-only US stocks. Detailed philosophy is discussed here.
How long do you usually hold investments?
It's not pre-decided and we don't spend too much time on it. We hold the position as long as we see investee company offering significant upside.
Do you diversify?
No, we don't. We believe understanding the businesses we invest in better than others is way more important than diversifying. On the other hand, we don't consciously concentrate too.
`
Access
How do I receive the letters?
You will get it in a PDF format in the email you use for subscription.
Do I need to create an account to subscribe?
No, we're not in rat race of data collection so no account creation is required. You pay, you subscribe, that's it.
Can I cancel anytime?
Yes. However it takes about 45-60 days to get refund. We're working on shortening that period.
Do I have to be in the United States (US) to subscribe?
No, we are accessible across the globe.
Pricing
If you're rich, why do you charge subscription fees?
Great question. It's mainly to run the show, keep this website going, pay for my secretary and other couple of team members who make sure I don't indulge in activities other than investing.
Is $99 per annum a fair price?
Yes. I've seen people spend way more than that on useless stuff throughout the year. I think $99 is less than annual coffee budget of an average american so it's quite fair.
Do you increase prices every year?
No. We've had same subscription fees since we started. I don't see it changing for foreseeable future.
Can I pay subscription fees in installments?
No. It's a one-time payment.
Legal Disclaimers
Do you guarantee returns?
No we don't. In fact, you should stay away from anyone who promises returns.
Is this legal financial advice?
No, this for educational purpose only. You can clone or replicate any of the ideas shared in the letter however we'll not be responsible for your capital loss if any.
Do you manage money for us?
No we don't. I quit that world in 2020 and now I am fully dedicated to these letters- my ideas documented in a simple format shared with subscribers every month.