as an investor
“The best time to plant a tree was 20 years ago. The second-best time is now."
Starting Early
Starting early in investing is crucial to take advantage of compound growth. The longer our money has to grow, the less we need to invest upfront to achieve our financial goals. Early investing also builds financial discipline and gives us the flexibility to recover from market fluctuations, setting us up for long-term success.
data-driven
Below are a few examples of data I have used in the past to explain why investing is so important. With that, data is the base for any and all investments I make. Whether analyzing a firm's balance sheet, their valuation statistics, or the state of their management, investment decisions should always be made using logic, not emotion.
diversified... my way
Obtaining a diversified portfolio is crucial to withstand market fluctuations. But what does that mean. The advice everyone has heard is a 60/40 split between bonds and equities to limit risk as much as possible while still holding equities. While that may work for some, I see that as a hinderance on potential gains due to the nature of bonds. So, diversified to me means an allocation between large, mid and small cap stocks across all sectors as well as some real estate exposure.