Investing

Philosophy

I keep my investment approach dead simple. The core tenet:

Concentrate to get profits, and diversify to protect what you have.

Dollar sovereignty as the world's reserve currency is being challenged, so I hedge with disassociated assets — crypto and precious metals — that don't depend on any one government's fiscal discipline. At the same time, the bulk of the portfolio sits in equities positioned to capture upside from the AI boom, balanced by defensive names through SCHD. The result is a barbell: concentrated bets on one end, broad diversification on the other, and hard assets underneath both.

Real Estate — 1/4

Real estate is a classic inflation hedge. The price of the property tends to rise with inflation, while the absolute amount you owe on the loan stays fixed over time. In an inflationary regime, your asset appreciates and your debt inflates away. Beyond that, it's a hard asset you can touch — it generates yield (rent), it's leverable at relatively low cost, and it's uncorrelated with the daily swings of equity markets.

Equities & ETFs — 1/2

Half the portfolio is in equities — a mix of broad-market index funds and individual stock picks. The index funds provide cheap, diversified exposure to the U.S. market with heavy weighting toward the Mag-7 and the AI boom. The individual picks are companies I believe are structurally positioned to benefit from the same trends.

Retirement Funds

Fund	Focus	Expense Ratio
SWTSX	Total U.S. stock market	0.03%
SWPPX	S&P 500 index	0.02%
SCHD	U.S. dividend equity	0.06%
SFENX	Emerging markets fundamentals	0.39%
SWISX	International developed markets	0.06%

Individual Equities

Amazon (AMZN)

A tech giant with an enormous physical-world footprint — logistics, warehousing, last-mile delivery — combined with deep investments in AI and cloud infrastructure. The blend of hard assets and technology moat is rare and compelling.

Tesla (TSLA)

Same thesis as Amazon: real-world physical network meets cutting-edge AI. Gigafactories, charging infrastructure, and a fleet of millions of vehicles collecting real-world data. The physical/software convergence is hard to replicate.

Bloom Energy (BE)

A ground-level infrastructure play on the AI data center buildout. Solid-oxide fuel cells for on-site power generation at data centers. The kind of hardware-layer bet — a callback to Leopold Aschenbrenner's situational awareness thesis — that may still be underappreciated by retail investors.

IREN (IREN)

Another data center infrastructure bet. IREN builds and operates renewable-powered data centers, positioning directly at the intersection of the AI compute boom and the energy transition. Like Bloom, a hardware-level play that the market may be undervaluing.

Coinbase (COIN)

The closest thing to an index ETF for the crypto market. Coinbase benefits from crypto adoption regardless of which specific assets win. Strong leadership under Brian Armstrong, a clean balance sheet, and growing institutional custody business make this a conviction hold.

Shopify (SHOP)

Like Coinbase for crypto, Shopify is an index on small and mid-sized retail. It has a physical dimension — real goods, real merchants — that pure software plays lack. Tobias Lütke is one of the best founder-CEOs in tech, and the platform's moat deepens with every merchant that builds on it.

Cloudflare (NET)

A product I use heavily and believe in. The composable web has a lot of runway, and Cloudflare's edge network is a deep, credible challenger to AWS's traditional centralized model. Workers, R2, and D1 are quietly building an alternative cloud from the edge in.

Crypto — 1/8

Crypto is the hedge against monetary debasement. Bitcoin is the backbone — a fixed-supply, stateless asset that can't be diluted by central bank policy. The smaller allocations to Ethereum, Solana, and Zcash are bets on programmability, throughput, and privacy respectively. Taken together, this slice is an asymmetric bet: if the thesis is wrong, 12.5% of the portfolio underperforms. If it's right, it more than carries the rest.

Asset	Ticker	Allocation
Bitcoin	BTC	70%
Solana	SOL	10%
Ethereum	ETH	10%
Zcash	ZEC	10%

Precious Metals & Commodities — 1/8

Like crypto, precious metals are a hedge — but they're the older, battle-tested version. Gold has been money for thousands of years and tends to perform when faith in fiat erodes. Copper and uranium are industrial hedges tied to electrification and the energy transition. The ideal is physical metal held directly, but in practice it's roughly a 50/50 split between physical custody and ETFs for liquidity and convenience.

Commodity	Vehicle
Gold	Physical + ETF
Copper	ETF
Uranium	ETF

Inspiration

People and ideas that have shaped how I think about investing:

• Warren Buffett — patience, circle of competence, and the discipline to do nothing most of the time.
• Lyn Alden — macro framework for understanding money, currency regimes, and why hard assets matter when fiscal dominance takes over.
• Balaji Srinivasan — thinking in tails, the pseudonymous economy, and the case for decentralisation as a hedge against institutional decay.
• Bogleheads — low-cost index investing as the default; only deviate when you have a clear, high-conviction reason.