Learning Continuously.
Investing with Accountability.

A modern fundamental analyst begins with the business: its operations, competitive position, financial statements, capital allocation, long-term opportunities, and risks.

I value accounting as the language of business and as the foundation of financial modeling. I build integrated 3-statement models to understand how the income statement, balance sheet, and cash flow statement work together. I then use DCF models to determine the intrinsic value of stocks.

I also believe in the coming waves of AI and other disruptive technologies. Traditional fundamental analysis remains essential, but it must be applied to businesses operating in a rapidly changing technological environment.

I promote transparency and accountability by fully disclosing my portfolio and performance every month and publishing detailed investment theses.

Monthly disclosure creates a public record of what I own and how my decisions perform. My investment theses explain why I own each stock, what I believe it is worth, what the market may be missing, and what could cause my view to change.

The objective is not to present a flawless record. It is to make my reasoning and results clear enough to be evaluated honestly, including mistakes, thesis changes, and periods of underperformance.

I am an incoming Rutgers University–New Brunswick Honors College student intending to double major in Finance and Business Analytics and Information Technology. I also intend to pursue a minor in either Philosophy or Music.

I promote a “learn-it-all” growth mindset based on curiosity, empathy, and continuous learning. I do not expect to begin with every answer. Instead, I aim to ask better questions, listen to different perspectives, accept feedback, and continuously improve my knowledge and skills.

This mindset also shapes how I invest. When evidence challenges an existing view, I would rather examine it and revise my thesis than defend an earlier conclusion simply for consistency.