My Investment
My real long-term portfolio — and the thinking behind every position.
How my portfolio is built
About half sits in big, proven companies for stability. Roughly a third goes to mid-sized businesses that are still growing fast. The rest is in small, higher-risk names with the most upside. I aim for a rough 50/30/20 split and let the real weights drift with the market from there. As I move down the tiers the potential reward rises — but so does the risk, so each position gets smaller. That way one bad small-cap bet can never sink the whole portfolio.
My two most recent buys — with the real 5-year chart and why I'm adding them. Technical snapshot as of June 2026.
~$153 · 58% below its 2024 peak
Now
$153
5-yr low
$126
Above 5-yr low
+21%
Support
$140–150 (2023 base)
- Down about 58% from its late-2024 peak of $369 to ~$153 — by far the deepest discount among my buys.
- Only ~21% above its 5-year low ($126, Nov 2022) and sitting right at 1-year lows — the closest of the two to genuine multi-year support.
- Fundamentals are improving, not breaking: expanding operating margins, strong free cash flow, and AI (Agentforce) layered on a sticky enterprise base.
- Support I'm watching: the $140–150 base from 2023; a break below would open the $126 five-year low.
~$564 · 29% below its 2025 high
Now
$564
5-yr low
$88
Above 5-yr low
+540%
Support
$520–560 (1-yr support)
- Down about 29% from its 2025 high of $796 to ~$564 — a real correction in one of the strongest businesses I own.
- To be clear, this is NOT a 5-year bottom — that was $88 in 2022. It's a pullback toward 1-year support around $520–560, not a generational low.
- Strong fundamentals: dominant advertising reach, ~$50B+ of annual free cash flow, and heavy-but-disciplined AI/data-center investment.
- Plan: start the position here and add into the $480–520 zone if the market hands it to me.
Honest read: CRM is the one genuinely near a multi-year base (~21% above its 5-year low); META is in a ~29% correction near 1-year support, not at a 5-year bottom. Buying quality on weakness — not calling an exact bottom. Educational, not advice.
Large-Cap Core
The foundation — big, proven compounders
Just over half of everything. These are the most durable businesses I own, so they carry the largest single weights and anchor the portfolio through any market.
- A billion-plus loyal users locked into the iPhone + App Store ecosystem.
- Fast-growing, high-margin Services (App Store, iCloud, ads) on top of the hardware.
- Returns enormous cash to shareholders through buybacks every single year.
- Azure cloud is a structural winner as the world keeps moving off its own servers.
- Office, Windows and Teams are wired into nearly every company — almost impossible to rip out.
- A front-row seat to AI through its OpenAI partnership and Copilot.
- The picks-and-shovels leader of the AI build-out — its chips train almost every model.
- The CUDA software ecosystem keeps customers locked in for years.
- Data-center demand still looks early in the cycle, not late.
- Search and YouTube are two of the best advertising machines ever built.
- Cheaper than the other mega-caps on earnings, with a fast-growing cloud arm.
- Free options on AI (Gemini) and self-driving (Waymo), plus a fortress balance sheet.
- A toll booth on global spending — it skims a tiny cut of a massive, growing flow of payments.
- A powerful network effect and around 80% operating margins.
- Rides the multi-decade shift from cash to cards and digital wallets.
- One of the best advertising businesses ever built — Facebook, Instagram and WhatsApp reach ~4 billion people.
- ~$50B+ of annual free cash flow funds aggressive AI investment from a position of strength.
- Started the position on a ~29% pullback from its 2025 high (see Latest additions above).
- The clear #2 in data-center and AI chips, steadily taking share from Intel.
- Strong execution and a credible challenger to Nvidia.
- Higher risk than the mega-caps, but real upside if it keeps winning sockets.
Mid-Cap Growth
The growth engine — proven, still expanding
About a third of the portfolio, in quality businesses that are past the risky start-up phase but still have a long runway. Mid-sized weights — bigger than my speculative bets, smaller than the core.
- Makes the world's most advanced chips — Apple, Nvidia and AMD all depend on it.
- Years ahead of rivals in manufacturing; practically irreplaceable.
- A direct beneficiary of every AI and semiconductor trend.
- The default customer-software platform for big companies — painful to switch away from.
- Down ~58% from its 2024 peak to a multi-year base — the deepest discount I own (see Latest additions above).
- Improving fundamentals: expanding margins, strong free cash flow, and AI (Agentforce) on a sticky customer base.
- The global streaming leader, now with pricing power and a new ad-supported tier.
- The password-sharing crackdown converted millions of freeloaders into payers.
- Generating real free cash flow now, not just subscriber growth.
- A near-monopoly on creative software (Photoshop, Acrobat) on sticky subscriptions.
- Adding AI (Firefly) across its whole toolset.
- High margins and predictable recurring revenue I can count on.
- The #1 athletic brand on earth, available at a reasonable price during a turnaround.
- Huge brand power and a long global growth runway, especially in direct-to-consumer.
- A classic 'buy a great brand while it's out of favor' bet.
- Owns the index benchmarks and data the investing world runs on — a quiet toll booth.
- Subscription revenue with very high retention.
- Grows right alongside passive and ESG investing.
- A premium card brand whose affluent customers keep spending through downturns.
- Earns on spending, lending and annual fees — a rare three-way model.
- A long-time Warren Buffett holding for good reason.
- The infrastructure behind millions of online stores — it grows as e-commerce grows.
- An asset-light platform taking a cut of rising merchant sales.
- Optionality in payments, lending and B2B commerce.
Small-Cap & Emerging
The upside — smaller, higher-risk, higher-reward
The last sliver — about a sixth — spread across younger, faster, more volatile names. Each position is deliberately small, so a single one going wrong is a lesson, never a disaster.
- The default app for both rides and food delivery — a two-sided network that's hard to copy.
- Finally consistently profitable and generating cash.
- Optionality in advertising and, eventually, autonomous vehicles.
- Automates the boring-but-critical workflows big companies run on.
- Sky-high customer retention and steady 20%+ growth.
- A prime beneficiary of enterprise AI adoption.
- Turned its own name into a verb — a global, asset-light travel platform.
- High margins and strong free cash flow.
- A long runway as travel keeps shifting online.
- A direct-to-consumer telehealth brand with sticky subscription revenue.
- Riding demand for convenient online healthcare, including weight-loss (GLP-1) treatments.
- Higher risk, but a very large addressable market.
- A fast-growing energy drink riding the health and functional-beverage trend.
- Its PepsiCo distribution deal supercharges shelf reach.
- Still small enough to grow many times over — but expect volatility.
- Affordable, on-trend cosmetics winning over Gen-Z and taking shelf share.
- Grows revenue fast while staying profitable.
- A scrappy challenger to the legacy beauty giants.
- An online fashion retailer that nails influencer-driven, Gen-Z and millennial demand.
- Founder-led with a sharp, data-driven merchandising model.
- Small and cyclical, but high-upside if it scales.
- A clean, trusted baby and personal-care brand with a loyal following.
- A strong founder story and growing shelf space in major retailers.
- A speculative small bet on a brand I personally believe in.
My investing principles
Five rules I keep coming back to. Personal experience shared for learning — not investment advice.
- 1
I dollar-cost average
I invest a fixed amount on a regular schedule, no matter what the market is doing. Buying through the highs and the lows smooths out my average price and removes emotion from the decision.
- 2
I don't wait for perfect timing
Nobody calls the bottom reliably — not even the pros. Time in the market beats timing the market, so I'd rather be invested and roughly right than on the sidelines waiting to be perfectly right.
- 3
I started with $1,000
You don't need a fortune to begin — you need to begin. A small first amount taught me far more than reading ever did, and it let compounding start working as early as possible.
- 4
I learned how to diversify
Spreading across several quality businesses and sectors means no single mistake can sink me. Diversification is the one thing that lowers risk without necessarily lowering long-term return.
- 5
I only sell when I need the money
I don't trade in and out on headlines. If a business is still doing well, I let it keep compounding — I sell when I genuinely need the cash for life, not because the price wobbled.
This is my own portfolio and target allocation, shared for educational purposes only — not investment advice or a recommendation to buy, hold, or sell any security. Percentages are targets and drift with the market. Everyone's situation is different; do your own research and consult a licensed professional.