What is Neil$letter?
Neil$letter is a community-supported writing project devoted to simplifying finance and sharing wealth-building ideas for everyone. Topics will include: investing, personal finance, politics, and more!
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Who is this newsletter for?
First and foremost, this is for people who are interested in improving their finances but who might not know where to begin. Young people, immigrants and hispanohablantes, the working class, anyone who have been excluded or ignored by traditional finance. I hope this project can be useful and accessible to you in your financial journey!
Additionally, I hope to make this project thought-provoking and add value for people who may already be more experienced, more financially stable, or who already identify as investors. Those who are open to DIY, active management, and higher-risk, higher total return may find the most alignment with my approach.
Who is Neil?
I am a self-taught investor who has been investing since 2008. I have a degree in Economics. My style of investing is long-term buy-and-hold, focused generally on technology and growth companies, and increasingly on green and climate-friendly companies. As a tech investor, I aim to beat the Nasdaq 100 (ticker QQQ) with more upside and less downside.
I look for asymmetric risk reward scenarios to limit my losses and take worthy risks. I also look for cases where sentiment is widely bullish on universally-loved, high-margin brands to find “easy money” type stocks (for example, think Apple or Tesla). I also look to find quality compounders trading at relatively cheap prices.
In addition to fundamental and technical analysis for individual holdings, I use several tools to gain a holistic understanding of how a portfolio functions over the entire business cycle, since portfolios can be much more than the sum of their parts!
Disclaimers & Disclosures
Affiliate Links and Financial Interest
Author may derive income or non-financial benefit from links to products or services. Author will disclose when they have a financial interest in a security or fund that is mentioned.
Not Investment Advice
Information provided for educational and entertainment purposes only. Author represents that they are not an advisor, broker, dealer, or fiduciary. Consult with a licensed and qualified professional advisor, attorney, or accountant before making any major financial decision.
Do Your Own Research & Become An Expert In What Works For You
Author presents information from their unique opinion and experience, and strongly encourages you to thoroughly and independently research any investment before purchase. Due diligence leads to knowledge, conviction and patience. Have a plan and stick to it.
Investment Advisor Intention
Author may enter financial services industry professionally in the future. At such time, author may solicit your business. Future communications of this sort (even if author becomes licensed, or becomes your advisor) similarly do not qualify as financial advice. Investment advice should always be made in relationship, in context, and privately.
Past Performance & Risk of Loss
Past performance may or may not be a guide to future performance. Investing involves risk, including loss of principal. Risk may or may not correlate with reward or return.
Errors and Omissions
Accuracy of information is attempted but not guaranteed. Completeness of information is similarly attempted but not guaranteed. Author shall not be held liable for any inaccuracy or omission.
Bias
Author makes no claim to be bias-free, and has various biases and preferences, both positive and negative, implicit and explicit, financial and otherwise. These biases will be disclosed whenever possible, and will inevitably influence the material presented, for better and for worse.
Correspondence & Response
Author welcomes reflection and constructive criticism. Author may or may not have the time, ability, or desire to respond to any communication. Author reserves the right to delete or remove any email, comment, or other content at any time and for any reason. Please be kind - this is a labor of love.
