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"Super Investors"

I Would Like to introduce this Guy to all the Beginners out there interested in Dividend investing & need a Little bit of inspiration.

i've been following Ryne's Journey for a couple of years & this is a Guy who went from zero knowledge or very little to becoming a Very good investor in a field that interests him in Dividend Investing.

So if you are a Beginner or even a Experienced investor, i think we can all learn something from this guy who is very down to earth & seems very genuine in he's wish to help others & he will inspire all those who are interested in Dividend investing (U.S.stocks)....Enjoy!

 

Bill Nygren’s Devil’s Advocate Rule: How to Avoid Costly Investing Mistakes​


During his recent interview with the RWH Podcast, Bill Nygren dismisses the notion that value investing is obsolete, despite its decade-long underperformance. “The idea that value would be out of favor for a decade is something that was never something we envisioned back in the eighties or nineties,” he admits.

Yet he sees opportunity in today’s extremes: “We’ve never seen such issue-specific or industry-specific concentration in the S&P500. It’s effectively become a mega cap, a concentrated mega cap growth fund.”

His counterargument is rooted in capitalism’s inevitabilities: “High returns will draw competition and it will force companies and industries back to fair levels of pricing.”

Nygren’s framework is simple but rigorous: “We want a large discount to underlying business value… We want the combination of dividend income and expected per share value growth to at least match what we expect for the S&P500… [And] we want exceptional management.”

He emphasizes alignment: “Exceptional largely means that they are aligned with outside shareholders in having a goal of maximizing intermediate to long-term per share business value.”

To combat overconfidence, Nygren borrows from Michael Steinhardt’s playbook: “We’ve intentionally tried to avoid [groupthink] by doing team-oriented decision-making.”

Every new idea faces a “devil’s advocate review,” where analysts must defend against critiques. “We want the path of least resistance to be our mistakes exit the portfolio rather than mistakes linger,” he explains.

When fundamentals diverge from expectations, Harris shifts coverage to fresh eyes: “The initial analyst is probably too anchored on their original forecast… [and] has probably lost their voice.”

Nygren warns against extrapolating recent growth trends: “To believe that growth investing is going to succeed at the expense of value investing for the next decade, you have to believe that [outperformance] continues.”

He calls this “a bet against capitalism,” noting that even giants face gravity: “We’re starting at a level where we’ve never seen such… concentration.”

Reflecting on his longevity, Nygren credits teamwork: “This isn’t a job to do as a one-person operation. Even Warren Buffett needed help.” His advice to investors? Stay patient, stay skeptical, and trust the process: “If you’re going to stay successful at this business next year, you have to be smarter than you were this year.”

You can watch the entire interview here:

 

Tweedy Browne: Finding The Best Value Investing Opportunities​


Let’s be honest – the current U.S market is obsessed with AI hype and nosebleed valuations. Yet while others chase momentum, Tweedy Browne’s Thomas Shrager and Jay Hill keep their feet firmly planted in value investing’s time-tested principles. Their strategy cuts through the noise: uncover fundamentally sound companies trading at sensible prices, then let the magic of compounding work.

“The most important finding is that stocks outside the United States are significantly cheaper,” says Jay Hill. He highlights the unsustainable fiscal policies driving U.S. market outperformance: “Between 2021 and 2024, the average U.S. budget deficit was about 8% of GDP. This has contributed to faster corporate earnings growth. But this is not sustainable in the long term.” For Tweedy Browne, the real bargains lie elsewhere.

Hill points to the U.K. as a prime example: “The UK stock market is valued at an average price-to-earnings ratio of 13, while the U.S. P/E ratio is almost 24. In 46 of the last 47 months, UK equity funds have experienced outflows—meaning large-scale forced selling.” This disconnect creates opportunity. “Where are you more likely to find a bargain: in the U.S., where constant passive inflows keep pushing valuations higher, or in the UK? I prefer the latter market.”

Shrager echoes this caution on U.S. valuations: “The price you pay for stocks is crucial for long-term performance. The U.S. budget deficit is unsustainable, and interest rates are rising. Import tariffs are not conducive to economic growth.” He sees better value in Europe and Japan, where fiscal policies still support economies without extreme valuations.

One of Tweedy Browne’s standout picks is Johnson Service Group (JSG), a U.K.-based industrial laundry company. Hill explains: “JSG is the British equivalent of Cintas. But while Cintas is valued at a P/E of 50, JSG trades at just 12 times earnings.” The company’s strong market position and insider buying make it compelling: “The workwear segment is a duopoly, with Johnson and Elis controlling over 80% of the UK market.”

Shrager also highlights opportunities in Asia, such as Hana Financial Group in Korea: “We bought at a price level that corresponded to about 20% of book value; today the stock is trading at about 50% of book value. The dividend yield is 7%, and the P/E ratio is about 7.” He notes improving fundamentals: “Four years ago, the return on equity was a much too low 4%; today it’s already at 8%. I expect it to reach 10% in the next few years.”

Patience is a recurring theme. On Nestlé, Shrager says: “We are patient; the substance is good. Anything that isn’t going well right now can be fixed.” Similarly, with Roche’s new CEO: “Give Schinecker some more time. The most important question is: Will the drug pipeline generate future growth? The answer is yes.”

Even in defense stocks like Rheinmetall and Safran—which have surged—Tweedy Browne stays disciplined. Hill notes: “The shares are expensive, so we’re trimming the position every now and then.” Shrager adds: “We bought Rheinmetall before the war in Ukraine. At that time, the stock market valued it like a pure auto supplier. Over the past three years, we have gradually reduced our position.”

Their take on Berkshire Hathaway reflects their value mindset: “Berkshire has had a great run, but the shares are now fairly valued… Buffett remains chairman. Will he be involved in every detail? Hardly, but he has been gradually stepping back. We’re reducing our position somewhat, but we won’t exit.”

You can read the entire interview here:

Tweedy Browne Interview – The Market
 
Are you one of the Many people Who believe that success in the stock market results from picking stocks,timing the market,making predictions etc ?

YES?...It sounds Exciting Doesn't it, but the Truth is, There is no evidence that This approach works!

Is there a Better way?


The get-rich-quick approach to investing. Let's face it, trying to pick winners and time the market can be thrilling, but it's often a losing game. Here's a better way: focus on time in the market, not timing the market.
A more reliable approach involves:
  • Diversification: Spread investments across asset classes, sectors, and geographies.
  • Long-term perspective: Ride out market fluctuations, focusing on steady growth.
  • Low-cost index funds or ETFs: These often outperform actively managed funds.
  • Regular investing: Invest consistently, regardless of market conditions.
This strategy may not be as flashy, but it's backed by evidence and can help you achieve your financial goals.


Diversification can be achieved through various methods.

Here are some ways to spread your investments in different Asset Classes:

  • Stocks (Equities): Invest in companies, potentially through index funds or ETFs.
  • Bonds (Fixed Income): Invest in government or corporate debt, providing regular income.
  • Real Estate: Invest in property, REITs (Real Estate Investment Trusts), or real estate crowdfunding.
  • Commodities: Invest in gold, oil, or other commodities through ETFs or futures contracts.
  • Alternatives: Invest in assets like private equity, hedge funds, or cryptocurrencies.
 
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This is one of The Best Thinkers that i've heard in a Long time in regards to investing!!

Enjoy!
 
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