Penny Insight is a long-term investor’s journal, built on deep research, high conviction, and a focus on absolute returns. I invest with a 5–10 year horizon, aiming to accumulate wealth for early retirement — not to beat a benchmark, but to steadily compound capital over time.

My approach centers on GARP (Growth at a Reasonable Price) and quality compounders, with an aggressive stance on risk: I buy more when great businesses drop 30%, as long as the thesis remains intact. I typically hold around 20 positions, sized based on conviction — 5% for high-conviction ideas, 2% otherwise. However, since I don’t trim quality compounders, positions are allowed to grow as large as they want.

Every investment starts with a simple question:

“If I owned the whole business, would I still want it at this price?”

That mindset drives my research process — blending deep financial modeling with qualitative insights from management, competitive dynamics, and industry trends. I rely on EV/EBIT, P/FCF, DCF, ROIC, and TAM — not in isolation, but to validate sustainable earnings growth and long-term value creation.

I avoid sectors where moats are weak or opaque, such as banks, insurance, lending, and utilities. My focus is on businesses with clear reinvestment potential, strong unit economics, and aligned leadership.

This publication is rooted in the philosophy of Peter Lynch: buy what you understand, focus on long-term fundamentals, and stay invested in what you truly believe.

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