Welcome to my corner of the internet!
Beating The Tide is designed to help you improve your investments by leveraging the strategy I have used since 2011 for myself, family, friends, and high-net-worth clients. This approach has delivered 30%+ annual returns since 2011—far outperforming the 12% growth of the S&P 500 over the same period.
Who am I?
In a nutshell, I am a guy who is passionate about making money by investing in stocks.
I started my career as an engineer and started investing/trading in 2006, I got lucky at first and then unlucky. That is when I took it seriously, read almost every investing book out there, and obtained an MBA and a CFA.
However, the real investing education I got was as an investment analyst at one of the largest asset managers in Latin America. At first, I covered junk bonds but within six months I was covering stocks as well. When I left that role for a corporate development one, I started investing freely and opened a small fund for family, friends and high-net-worth individuals, which I still manage.
I am a believer in KISS (keep it simple, stupid) and I have streamlined and automated most of my life, that is why I have been able to manage that fund, keep executive corporate roles at Fortune 500 companies, write some of my investment ideas on Seeking Alpha and even write a book about investing.
In the last couple of years, I started feeling that I have outgrown corporate life so I chose to leave it for good. Right now I am focusing on a couple of small ventures other than stock investing and I thought about this service as well.
Why am I offering this service?
I am not going to pretend that I am doing this for some altruistic purpose or to enrich the world. As you get to know me, you will see that I am straight to the point, I avoid buzzwords and I am very practical/logical/analytical.
I am doing this because I want to maximize the earnings per hour of the research I do. Before I decide to invest in a company, I read 10ks, quarterly reports, talk to the company, and sometimes do site visits and other channel checks. As all the leg work is already done, I can increase the value of that research by selling the advice. The marginal cost should be minimal (creating this Substack and maintaining it).
That is why, there won't be many bells and whistles. Other 'investing groups' offer you what they call 'value-adds' such as analysis of the market, trend analysis, technical analysis, 1:1 video calls, chats and the list goes on forever. They do that just to justify charging you a hell lot for something that you don't need or want.
You will see that my membership plans are very affordable, please do your homework and if you find a better plan let me know. I am not charging less than the rest because I value less my time or the quality of my work is inferior (the returns should speak for themselves), I charge less because I just provide what you need to invest successfully and I will not offer the value-adds others offer.
The Paid membership provides buying and selling recommendations, access to the full portfolio and one in-depth stock analysis per month.
The Free membership includes a weekly newsletter, sent every Sunday, along with occasional stock ideas. The newsletter features commentary on portfolio performance, a market recap, and an idea section. This idea could be a stock recommendation, a market opinion, investment education, or anything I believe will help you become a better investor.
What does this service NOT offer?
I will not offer:
Personalized trading advice. If you want my opinion on a certain stock you heard about, this service is not for you.
Investing in 'sophisticated' asset classes. If you want to invest in crypto, real estate, bonds, options, forex, futures or any other asset other than stocks, then this service is not for you.
You want to have market and company updates. If you want weekly industry analysis, macrotrends, recaps or weekly/monthly updates on stocks in the portfolio, this service is not for you.
You want to day trade. If you want to day trade, this service is not for you.
In a nutshell, I will not offer anything that is not already in my investing process, (besides the weekly newsletter, which in some way is already in my investment process), that way I can keep my costs down and offer you a great investing service for a low price.
What will this service offer?
I will keep it very simple for you. What you can expect from this service is:
Free Subscriber:
The Weekly newsletter. This is sent on Sundays. The Weekly includes the performance of my Portfolio, what has happened in the market in the week, and an idea. The idea can be a stock idea, an opinion on the market, an investment philosophy, or anything I believe would be of value to you.
An occasional deep-dive stock idea. A piece that would go into detail about why I like or dislike a certain company, including a dissection of their strategy, the stock valuation and risks.
Paid Subscriber receives all in Free, plus:
Real-time buy/sell alerts. Whenever a position is added or sold in the portfolio, I will post the trade. I tend to send those notes between 10 am and 2 pm. The note will have a rationale behind the thesis. Those positions tend to stay in the portfolio for 6 months to 1.5 years, but I have had some that closed in 2 months and some that have been in my portfolio for 7 years (and are still open).
Access to the portfolio. You will have access to the portfolio. You will have the position size and all the details needed to replicate the portfolio. I will have a USA portfolio and a Canadian one.
One deep dive per month. Once a month, I will send a detailed investment analysis for a company I am adding to the portfolio.
What is my investment process?
My detailed investment process is explained in over 359 pages in my book (fun stuff!). Below is a summary:
I use a filter I have refined over the years to find companies that are cheaply or fairly valued and have healthy profitability metrics.
For companies that pass the initial filter, I analyze their 10-K reports and other filings in detail.
If it passes, then I will read more 10ks and quarterly reports, listen to earnings calls, talk to investor relations (or the CFO or CEO, depending on the size of the company), and finish off with channel checks.
I develop a valuation model based on discounted cash flows (DCF), and come up with catalysts and a target price.
Based on the catalysts, I would trigger a buy or wait for the right risk/reward mix and catalyst visibility. Many stocks stay in this stage for months till a buy alert is triggered. At any time, I have 20-30 stocks on this list.
Disclosure
Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. I am not a licensed securities dealer, broker or US/Canadian investment adviser or investment bank. I am not licensed or certified by any institute or regulatory body.
