A Personal Revelation in the World of Investing
The One Investment Strategy That Will Make Your Money Work While You Relax on the Couch
There Are No Universal Truths. This is a thought that has been circling in my mind for the past few years, and I grow more convinced of it with each passing day.
What do I mean by such a categorical statement? That there is nothing in this world that is good for everyone. We live by repetition—"we see, we learn, and we do." But I believe this repetition is precisely what ends up killing us, making us unhappy, and taking a toll on our health.
Let me give you an example: in my house, breakfast has always been toast with chocolate. Because of this, I used to think that having that for breakfast was inherently good.
Another example could be one of the 50,000 podcasters who wake up at 4 a.m., leading us to believe that doing the same will make our lives more productive. But it doesn’t necessarily have to be that way.
What am I trying to say with all of this? That we need to experiment and figure out what works best for each of us.
Many times, you’ve written to me saying that you find it challenging to follow our investment style—not because it involves too many trades (there are only 5–6 per year), but because it uses assets you’re not familiar with.
I always say the same thing: try it out. And if you’re not comfortable or feel like it’s not for you to hold OTM options that lose value 99.9% of the time, then don’t stick with this style. Focus instead on finding assets that suit you better. Soon, I’ll be launching what I’m calling the "Forever Portfolio," a portfolio inspired by the All-Weather Portfolio but designed so you’ll never have to make a single trade again. Let me tell you where this idea came from.
A Personal Revelation in the World of Investing
Something very curious happened to me in the world of investing—an experience that helped me understand myself better. Up until that point, I had switched investment strategies about 50 times, searching for the holy grail of investing: technical analysis, fundamental analysis, algorithmic trading… None of them worked. And it was precisely because of two reasons:
There are no universal truths.
I hadn’t listened to myself.
It was at that moment that I decided to be honest with myself and admit: “You’re losing money; you’ll never be able to find an investment style.”
Was I failing in execution? No. My failure was in constantly changing strategies in search of the holy grail. That obsession was killing me.
The Real Conclusion
The conclusion I reached was fascinating: as long as I had access to my funds, there would always come a moment of boredom when my mind would push me to buy, sell, or make some trade, thinking I could squeeze out an extra 0.5%.
Later on, I discovered that many investors have faced this same problem. Not everyone has Warren Buffett’s patience to stick with a company through years of losses. Most people assume their thesis is wrong and jump from Company A to Company B or from Fund A to Fund B—often at a loss.
The Solution
The solution? Buying good assets that I would NEVER sell (between 3–5), knowing they are solid investments managed by reputable firms, and leaving them in an account I cannot access from my phone or computer. The only way I can check on them is through a password I use sparingly—just to see how everything is going.
For my day-to-day expenses, I have a separate bank account where I can spend as much as I want while knowing my investments are ticking along like Swiss clockwork.
Real Estate as an Unintentional Teacher
Many people realize this principle unintentionally—how? By buying a house and renting it out. They discover that the costs (both financial and time-related) of selling are so high that they simply stick with their rental strategy and keep collecting cash flow. It may sound trivial, but real estate has made many people wealthy.
The Trap of Overactivity in Crypto
One asset class particularly prone to this error of overactivity is crypto. From my perspective, keeping your portfolio on platforms like Binance, Coinbase, or Kraken is pointless because you’ll constantly see pop-ups about cryptocurrencies that have gained +230% in the last week. You’ll think: “What am I doing with Monero? Should I switch?” And then next week, Monero will show up on the list of top gainers.
I haven’t had access to my crypto holdings in ages. My keys and Ledger aren’t even in my province; nor do I have access to my wallet. As a result, I don’t stress about it—and I know no one can ever confiscate them from me. Is there any greater peace of mind?
As I said before: you need to know yourself. That’s what will make you wealthy and give you infinite health. In just a few weeks, I'll publish the "Forever Portfolio," designed so you’ll never have to sell anything again—letting your money work automatically while you relax on the couch waiting for your savings to grow effortlessly.