To The Moon

Not enough retail investors compare their results against a benchmark. Well, how do you know if your investments are doing well? You might feel happy that your portfolio grew by 9% last year, because that is the long-term average return of the $S&P 500(.SPX)$ . However, that is the long-term average. That means that there are years when the index returns are weak, and there are years when the index returns are supreme. So you can’t compare your yearly returns against the long-term average. Maybe the S&P 500 grew 15% last year, meaning that your 9% return significantly underperformed the index. That’s not necessarily a disaster, as nobody, even Warren Buffett, can beat the index each year. You just need to analyse the causes. If you are con

Investors spend too much time following the news instead of analysing businesses. Don’t forget that the media exists to generate attention, clicks, and advertising revenues. The media do not care if you lose money after panic selling or euphoric buying. All the news does is ring alarm bells about the economy, oil prices, the Iran War, and market volatility. This is why investors must ignore short-term market news and focus more on the fundamental analysis of businesses. Long-term investors value a stock based on the present value of expected future cash flow. If markets operated strictly on such assumptions, stock prices would only move when the actual long-term cash flow expectations of the company changed. Yet, stock prices swing wildly from day to day and month to month, while the actua

$SK hynix(SKHY)$ s around $190, and the forward numbers are getting hard to ignore. Analysts see 2028 at roughly: 💰 $439B revenue 📈 $264B net income 💵 $226B FCF Yet the stock is trading at roughly 4x forward earnings. That valuation says the AI memory boom is about to fade. The contracts tell a different story. Many of the major deals run for 5 years, putting meaningful demand visibility into 2029 at the earliest, with some investors looking toward 2030. That’s the interesting part. The market is still valuing $SKHY like a traditional commodity memory business, while the company is increasingly operating with long-term visibility, AI-driven demand and much stronger earnings power. At $190, the question isn’t whether the boom lasts forever. It’s wh

While student loans were largely frozen, $SoFi Technologies Inc.(SOFI)$ was quietly building a much bigger lending business. 📈 Personal loans: +669% to $34B 🏠 Home loans: +510% to $4.7B 💰 Lending net interest income: +656% to $1.95B That’s the part I think the bears underestimate. Calling $SOFI “just a bank” misses how much the business has expanded in just three years. Student lending slowed, so the team pushed harder into other lending categories and built scale where the opportunity was available. Anthony Noto and the team deserve real credit for the execution. The bigger question now is whether $SOFI can keep compounding this lending engine while expanding the rest of the platform. 👀 When markets keep you watching, knowing when to switch off m

Good morning, tigers ☕️📈 Yesterday I talked about trading resources, and the post did really well. But none of that matters if you’re losing the battle against your own mind. The first battle for retail traders was against big-money institutions. I think there’s a new one now 👀 Retail vs the platforms. Trading apps are built to keep you active. Notifications, flashing prices, confetti, rewards, 24/7 access... the more you trade, the more opportunities there are to monetize your activity. So how do you fight the urge to gamble? Here are 4 things I’d actually do: 1️⃣ Build discipline outside the markets You don't suddenly become disciplined when your portfolio is on the line. Practice it everywhere. Do something genuinely hard and track your progress. 🏃 Marathon 📚 Learn a language 🥗 Follow a

Yesterday, $Harrow Health Inc(HROW)$ CEO Mark Baum spoke at Cantor's conference and he couldn't have been more bullish. Here is everything you need to know. 1. The $250M revenue quarter for 2027. This goal has been reiterated since 2025. Put it against Q4 2025's $89.1M, and the growth target seems difficult. The business has to nearly triple. If they achieve this, the stock will rally. 2. Under-promise and over-deliver is the new motto. Baum is changing strategy because Harrow underperformed expectations in H1 2026, when VEVYE pricing changes dragged first-half revenue to about $115M. A lower bar in the future protects the stock from another miss and earns back some credibility. 3. H2 2026 must deliver. Harrow booked roughly $115M in the first hal

$Nu Holdings Ltd.(NU)$ officially started operating in the US yesterday. I think investors may be underestimating what this could become. Right now, the market largely sees Nu as a niche, low-cost digital bank in Brazil. That helps explain why the stock trades around 15x forward earnings. But I think that valuation misses the bigger story. 🏦 $NU isn’t building a traditional bank Nu was built from the ground up on modern technology. That matters. Legacy banks are still carrying decades of old infrastructure, expensive processes and huge operating structures. Nu has a completely different setup. A more efficient technology stack means it can serve customers at a much lower cost. That gives the company room to offer cheaper financial products while sti

Good morning, tigers ☕️📈 Is $SoFi Technologies Inc.(SOFI)$ an overvalued “garbage bank”… or one of the most interesting 5x fintech opportunities in the market? I’m firmly on the bullish side. 🐂 The long-term $SOFI story goes far beyond lending. 🎓 It starts with student loans Student loan refinancing may be one of SoFi’s most powerful customer acquisition engines. The U.S. student loan market is approaching $2T, creating a huge pool of potential customers. But the real opportunity is what happens AFTER the first loan. SoFi can bring people into its ecosystem at a very early stage of their financial lives. A recent graduate refinances a student loan. Then their career progresses. Income rises. They need a personal loan. Then a mortgage. Then a credi

People need to automate their investments. Automation protects investors from their own procrastination, fear, and hesitation. When people must actively choose to transfer money into an investment account, they find excuses to skip it. They claim the market looks too high, there is nothing worth buying, and maybe I skip it this month. Let me wait for stocks to get cheaper. “Far more money has been lost by investors in preparing for corrections, or anticipating corrections, than has been lost in the corrections themselves.” Peter Lynch The problem is that nobody knows what the market will do tomorrow, next month, or next year, especially the experts. By automating your investments, you can bypass these behavioral roadblocks. This is exactly what dollar-cost averaging is for. Under this met

You should increase your investments, not your spending. When people earn more money, they immediately begin to spend more money. They buy a nicer car, move into a larger house, and eat at more expensive restaurants. This is called lifestyle inflation. People should put the majority of income increases into their portfolio instead of increasing their spending. I know that this is difficult. People have a bias, as they value immediate rewards much higher than future rewards. Asking a person to cut their current spending to invest more money for the future triggers an immediate psychological reaction. You worked hard last year and deserve that $20K vacation to Bali. Many people treat their bonus differently than their salary, viewing it as free money meant for luxury spending rather than cap