InvestingWithBrandon

If I won $5 million dollars tomorrow.
Here is exactly what I would do with it.
Step 1. Build the base. $4M of $5M.
$2M into VOO.
$2M into Q.
Step 2. $1M into individual companies.
Only ones that pass all 5 filters.
Below intrinsic value. Moat. Pricing power. EPS growing. OK to hold long term.
Step 3. Sell portfolio secured puts.
Strikes 10% below current price.
1 to 2 year duration only.
Take premium. Buy more shares & LEAP calls.
Step 4. Keep ratios in check forever.
Market falls 50%. No margin call. Still fine.
Step 5. Never get emotional.
Same playbook in bull markets.
Same playbook in bear

$100 in NVDA in January 2016.
$0.80 split-adjusted at the time.
$100 / $0.80 = 125 shares.
NVDA today is about $200 a share.
125 × $200 = $25,000.
$100 turned into $25,000.
250x in 10 years.
But here is the part nobody tells you.
Most people would have sold at $5.
Then sold the rest at $20 because it doubled.
Then bought back at $80 because they FOMO'd.
Then sold again at $50 in a panic.
The math only works if you do not sell.
The hardest part of investing is not picking the winner.
It is holding the winner long enough to win.
Time in the market beats timing the market.
Every single time.

I cannot tell you how many people told me they were smart for selling covered calls on Nvidia.
(until now)
They bought at $10.
Sold covered calls at $20.
"If it doubles I'm out. I made 100%. That's enough."
They doubled their money & got called out.
Then watched Nvidia go to $50.
Then $80.
Then over $200.
They left a 10x on the table chasing a little monthly premium.
Here is the rule.
If you are bullish on a company buy the shares & hold them.
Super bullish? Sell portfolio secured puts and buy calls.
If you are bearish, sell the shares & be done with it.
Covered calls cap your upside while giv

We will ALWAYS have something "bad happening" and something to "worry about"
But the "this time is different" saying has yet to be correct 1 single time...

If you put $100 into $TSLA in 2010, you would be "rich" today.
Well...Let’s play it out if you somehow did nothing & held until right now.
You would have $1,005 by the end of 2015
and did nothing
Then watched that $1,005 climb to about $1,589 by the 2018 peak
and still did nothing
Then watched $1,589 get cut to $1,049 in the late 2018 crash
and still did nothing
Then watched it rip to around $25,741 at the November 2021 peak
and still did nothing
Then watched $25,741 collapse to about $12,871 at the October 2022 bottom
and still did nothing
Then watched $12,871 explode to a little over $26,95

If you put $100 into $NVDA in 2010, you would be rich today.
Well...
Let’s play it out if you somehow did nothing & held until right now.
You would have $230 by the end of 2015
and did nothing
Then watched that $230 climb to about $2,000 by the 2018 peak
and still did nothing
Then watched $2,000 get cut in half to under $1,000 in the late 2018 crash
and still did nothing
Then watched it rip to around $9,500 at the November 2021 peak
and still did nothing
Then watched $9,500 collapse to about $3,200 at the October 2022 bottom
and still did nothing
Then watched $3,200 explode to a little over $

The forward PE on the S&P 500 is a little over 20 right now.
Historical average is about 17 to 19.
That means future expected returns from here
are not going to be vertical.
Do not expect the next few months to look like
what the last two weeks looked like.
We just made almost 17% in two weeks.
That was not normal.
That was a V-shaped recovery from extreme fear.
What happens next is slower.
Grind sideways. Maybe dip a bit. Then take the next leg higher.
This is not a reason to panic.
This is not a reason to sell.
It is a reason to relax your return expectations.
Keep ratios tighter.
Wait for t