Yes. I'm going to try to get you to join the BTS community today. If you feel particularly strong-willed today and able to resist me... read on.
First off, it's becoming increasingly clear that the next 12 months will be your best-ever investing opportunity of our generation. There will be many fantastic, well-managed companies going on sale at sensible and attractive prices. However, most people have not acquired the necessary foundational knowledge required to decide which companies are attractive. No, this is not some get-rich-quick scheme, and some work is involved. But the amount of work involved is not as much as you think it is, and I am convinced that most people can learn the basics well and benefit from it. When your portfolio is small, 15-20% may not seem worthwhile compared to the time you put into it, but in 10 years' time, your portfolio will be much bigger, and 15-20% will be worthwhile.
Too often, we spend a lot of time (think 60-70 hours a week) getting good at our jobs, but not enough time learning about money. Well-intentioned advice from friends and family such as "Investing is too risky" only makes sense if you do not learn the right way to invest. Even worse, some of us listened to our best friends-became-financial-advisors and decided to buy into Investment-linked-products that generated dismal returns (imagine 5-6% only) over the years. These "money advice" just don't help you in the long run.
This kind of advice is especially bad in light of what's coming. "Buffett's indicator" has reached an all-time high bubble (https://fred.stlouisfed.org/graph/?g=qLC), and it's very likely that a depression is on its way. GDP is likely to take a huge beating, it's obvious the incomes for many people have taken a huge hit, and consumption is going to change dramatically (people are going to trim spending, conserve cash, be more conservative). In a depression scenario, diversification (in terms of buying funds and index funds) will result in near 0% return in the next 10 years. Ask yourself this: does it make sense to continue to buy stakes in thousands of companies when there's a good chance that at least some of them will go bust in the next year? Even worse, you are buying more shares as the price dives if you're indexing and dollar cost averaging).
Is there an alternative? Of course! You continue working hard at your job, generating a good income. You spend 30 minutes to an hour a week catching on your investment portfolio and researching companies to buy into. In the next 12 months, you buy 6-`10 solid companies with strong economic characteristics. In the next 10 years, your portfolio is able to generate 15 to 20% per annum over the next 15 years, and you watch your retirement portfolio far exceed your friends who decide to buy into funds.
Sound too good to be true? The reality is that many have done it successfully, and are quietly enjoying their lives. In this minicourse, we'll share the fundamentals of value-investing, and answer questions like What kind of companies to buy? At what price? How do you calculate the value? How are you going to get started? All these questions and more will be answered in our Minicourse, which has been designed to get you off your butt, and get started on your financial journey. (we'll also throw in "chasers" for a month after the workshop ends to make sure that you keep going!).
What's the worse that can happen? You spent 5 hours with us, and realise that you rather invest your money in Index Funds. That's ok. Learning what works and what doesn't work for you individually is important. What's the best that can happen? You get interested and competent in investing, and you get to retire and pursue your hobbies a decade earlier than everyone else.
Questions? We have a long FAQ at the bottom of this page. Feel free to send us a message as well.
Do we know what we're talking about? Check out our blog posts, and other pages on this website.
Fear of Missing Out?
Friends telling you to "buy on the dip"? Advisors telling you to "stay the course"
Who's right? Who's not right?
Market went off a cliff. Should I go in now?
Key Question: What are you basing your decisions on?
Are there any "good deals" out there? Is this the end of the world? Should I buy in now or wait for the bottom? Is this just a dead-cat bounce or the market's already in recovery?
I want to learn investing. But it's too risky.
Key Question: Is doing nothing better than doing something?
Riskier than trusting a professional who makes more money from management fees than performance? Riskier than buying into an ETF that buys shares in an indiscriminate way regardless of whether the basket of companies are performing or not performing?
Investing is too difficult to learn
Key Question: Is there anything that's easy to learn and makes money?
You dont need to be a forensic accountant to be able to read financial statements and the annual reports. You don't need to be a car mechanic to learn how to drive a car. Everything's hard to begin with, but the best time to start was 10 years ago. Next best time is now.
Most professionally-managed funds do not beat the market in the long-run. There are plenty of studies that show that funds can't beat the market. ETFs or Index Funds at best will match the market
Your Small Size Is An Advantage
We are not Warren Buffett, so it's unrealistic to expect that we can do 50% every year. But many are already performing at 15-20% a year, compounded over several years.
5% difference is HUGE
X years earlier
We want to hit a number and go pursue our hobbies earlier. Or spend more time with family. Retire years earlier than everyone else by investing time upfront learning investing. The difference is even more stark at 20% - you just need 13 years.
How Value Investing Works
A Simple Process
(But Requires Effort and Consistency)
Select Companies That You Like and Can Understand
We encounter thousands of brands in our daily lives, some lying on supermarket shelves, some powering a lot of the stuff we use everyday. Which companies do you use regularly? Which companies do you admire? Which companies do you think will change the world?
Go Through A Checklist
Use our Checklist to ensure that the company is REALLY good, and maximise the chances that the company will continue to do well in the next 10 years. Pilots use checklists, we should too.
Buy it at a Sensible and Attractive Price
Buy $1 for 50 cents. We will share with you valuation method(s) to ensure that there's sufficient "Margin of Safety" because of "vagaries of life". Invest, with CONFIDENCE and CONVICTION.
Wait for it to appreciate
In the short term, the stock market is a voting machine (popular companies regardless of underlying business fundamentals will do well). In the long run, it's a weighing machine. If you have followed Steps 1 - 3, just sit back, relax, sleep well at night, and well for your investment to deliver spectacular returns!
A few hours to change your life
Day 1: 15 May 8am - 9.30am
Hard Truths about the stock market
Introduction to the 4 Key Principles
Calculating the right price to buy-in
Primer on Annual Reports and Financial Statements
Homework #1 (takes around 1 hour)
Day 2: 16 May: 8am - 9.30am
Hands-on with analysing your chosen company
Tools to use to find financial data
The right value-investing mindsets
Homework #2 (takes around 2 hours)
Bonus: Q&A from 9.30 - 10am
Final Day: 17 May: 8am - 9.30am
Completing your analysis
Inversion and your thesis
Common pitfalls and red flags
Bonus: Q&A from 9.30am - 10.30am
Bonus: Complete analysis of great companies done by coursemates
Done-for-you, Regularly-updated Investing Checklist template for you to go through as you investigate and research your Ideal Investment Portfolio. Compiled in a google sheet so that it can automatically fetch financial data. You will utilise it in the course, and learn how to use it to its full effect properly.
6 months Vault Access
Be one of the first members of the Vault! All the best resources are neatly archived and collated in the Vault, together with quarterly reports as well as detailed research on durable companies. (Akan Datang - it's in the process of being set up and will be up by end of June).
At the end of the workshop you will have a list of great, durable companies with desirable economic characteristics with all the research completed, for you to bring home and consider, courtesy of your other coursemates, and scrutinized by our team. Each stockpick will be invaluable by itself, imagine a ready-to-go list of companies to watch.
Keep-It-Going BTS Community
Journeying together on this value-investing path is more fun with a group of people! For 4 weeks following the workshop, we will following up with your every week to get you to continue practising what you have learnt. In our closed community group, you will also be able to get different perspectives from a group of friends who're trained in the same methodology, believes in the same Value philosophy, and can offer differing industry insights.
My Guarantee To You
Try it 100% risk-free
I have squeezed in a lot into this minicourse, and I want to make sure that you get the benefits and take action after this workshop so that it really really works for you. Try the entire workshop, and if you don't LOVE it, I will refund you 100% of the coursefee. It's that simple: Sign up, attend it, and see the benefits for yourself. If you do the work, and keep up with the exercises, and you dont like it, just email me and I'll pay you back all the money. Try it, 100% risk-free
It's Time To Level Up
It's time to get going
You know why I created this Minicourse? Well, besides the fact that I'm #stayinghome, I realised that so many people wanted to start investing, but just don't know how. I tested this program by reaching out to some of my friends and giving them a crash course. I realised that my years spent investing, and my years spent teaching young kids differentiation and integration, really came in handy when teaching adults how to understand value-investing, in a way that's faster than any other workshops/courses out there. While I may have math degress from Cambridge and Brown, I can assure you that most of the mathematics required you've learnt in Primary School. If you can add and subtract numbers together, and calculate percentages and ratios, you can do this too.
You may have encountered workshops out there that offers "Options Trading" or "Passive Income" or "Own 30 properties", and typically they sound too good to be true. Well, they probably are. The reality is that you can probably learn value-investing from (i) reading 5 books and (ii) reading all 40 of Warren Buffett's Annual Shareholders' Letters. Unfortunately, that's going to take a lot of time, and you will still have to come up with your actionables. I think it's simple enough, but it just takes time. If you feel like you can muster the discipline, definitely look through some of the free resources here, and get started!
Why am I teaching it to you if it REALLY makes money? I've answered this in the FAQ below.
Thank you for joining BTS! People like you keep this site going and growing. BTS is not a personal financial advisory service, and we cannot make personal recommendations or answer questions about your portfolio or what you should buy or sell. Nothing in this website, nor its related links, constitutes, or should be construed as, either an offer to sell or a solicitation of an offer to purchase any securities, including any securities that may at any time be offered for sale or sold by anyone listed here. This website may contain various forward-looking statements based on forward projections, forecasts, estimates, beliefs held firmly by the website's authors. All these reflect solely our own opinions about such future events and are subject to significant uncertainty. We publish our opinions and analysis, and provide discussion and perspective, but please remember that you remain responsible for your personal financial decisions.