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I am an actuarial analyst, currently working for a life insurance company. My investment philosophy is really simple: Buy high quality businesses with durable competitive advantages, and hold on for the long haul.
I leave you with a couple of my favourite Warren Buffett quotes:
"It's far better to buy a wonderful company at a fair price, than a fair company at a wonderful price".
"A ham sandwich could run Coca Cola".
I founded Retail Investor 360 and Vincata Enterprises LLC in 2013 to help everyday investors invest prudently as well as to assist life science firms gain exposure to the investing community. The ultimate results are two prongs: more lifesaving medicine for patients and market intelligence for investors.
My diverse background as an independent financial analyst, medical doctor, entrepreneur and chemistry instructor complements the integrated investing research that I pioneered.
The first rule of integrated investing is to realized one’s limitation. For instance, physicians who are rigidly scientific tend to lack the analytical prowess of financial experts. Conversely, financiers typically do not possess the medical expertise of healthcare providers. Likewise, scientists are skillful in data analysis but they may not be familiar with prescribing patterns.
The second rule is to move beyond one’s circles of competence through learning various disciplines as well as leveraging on others’ expertise. In doing so, I tap into the intelligence of physicians, financiers and scientists in my network.
The third rule is to seek intelligence not available on the balance sheet via conducting field research. Accordingly, I gained much insight through informal patient as well as consumer surveys. If needed, I run my own statistical tests.
All that being said, integrated investing research helped me to accurately forecast the outcomes of numerous clinical trials like the Flint of Intercept, Ascend of InterMune and Affinity of MannKind, far in advance of the market.
Despite my focus on the life science sector, I cover other industries from time to time. And my work has expanded to assisting not only retail investors but professionals as well. I mostly publish long investing theses, as the rewards are most substantial. Nonetheless, I issue short theses once in a blue moon. This is not to short firms but to sharpen the skills needed to lead readers away from cautious investing.
Interestingly, my overall accuracy in the short thesis has been far better than the long counterparts. It is imperative for the readers to realize that one does not need to achieve 100 percent accurate results. The keys are to maintain this above average accuracy and to have adequate portfolio diversification. As long as you are right six out of ten times, you should achieve market outperformance in the long run.
Please note that I am not a registered investment advisor. Even if I am, you still need to consult with your own financial advisor, as your circumstance can be different from someone else’s. My research are not recommendations to buy, sell or transact any forms of security. And though I strive to provide the most accurate information available, the nature of information changes over time. Therefore, I can neither guarantee the accuracy nor timeliness of such information that, in and of themselves, are presented “as is.” You should use my articles as educational and informational materials to assist you in your own due diligence.
I also write for Talkmarkets from time to time. You can check out my articles at http://www.talkmarkets.com/contributor/Retail-Investor-360/