I am a Chartered Financial Analyst and a Chartered Accountant.
I have worked for one of the Biggest Banks in the World (in Derivatives) and I have lived in Australia, South Africa, japan, Germany and now the USA.

I am totally obsessed with the markets.
How it moves,
The language it speaks,
And ofcourse the impact on our daily lives.

There is an old market adage which says, “The Market is Never Wrong!”

Now think about that for a second.

What we are saying is that millions upon millions of people have a view on the direction of the stock market.

They all place their bets at the same time.

Some buy.
Some sell.

But at the end of the day, the market does what the market wants to do.

No force on earth can stop a primary bull market (up) or a primary bear market (down).

And that’s why the market is always right.
Because the market is the final arbiter.
You make money because you bet right with the market.
Or you lose because you went against it!
Win or Lose, the market decides.
Not you.
Not the government.
Nobody except the market!

I’ve been investing seriously for many years.
And I’ve found the single biggest help has been to write down my investment
It clarifies my thoughts.
There’s something about writing that orders your thinking.
Makes you reach a conclusion.

My investment philosophy

You may have gathered from the above that I like to scrounge around.
I like to get my hands dirty and look in all those places where BARGAINS can
be found.
Assets which have been neglected and trashed in value.
That’s what I want to pick up.
I never chase the market.
I always buy cheap assets.
Then I sit back and watch them rise 10 or 20 times the value I bought them at.

Now contrarian investing is lonely.
I buy things others don’t want.
If you want to be comfortable running with the crowd them I’m afraid this isn’t
the place for you!!

Here’s another very important philosophy of mine.
I try to give away 10% of everything I earn from trading and from this investment letter to Charity.


I’m a lucky person to be able to trade and write for a living. There are others who are much less fortunate than me.
Therefore, I think it is only right that I should give back a portion of what I make to others less fortunate.

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