To The Moon

When you're investing with less than $100,000, the game is different. Every dollar matters more, and the risks you take carry outsized consequences. Unlike institutional investors who can spread their capital across dozens of positions and weather volatility, smaller investors need a razor-sharp focus, emotional discipline, and a clear set of rules to avoid common traps.

Here’s my view — and three key rules — every sub-$100K investor should live by.

My Take: Focus on Asymmetry, Not Noise

The market is full of noise. Tweets, breaking news, TikTok traders, and “hot stock” threads will tempt you into gambling, not investing. With less than $100K, you can't afford to chase every shiny object. Your priority should be asymmetric bets — positions where the potential upside meaningfully outweighs the downside. That might mean slower growth but better protection.

It’s not about beating the market every month. It’s about not blowing up and growing your capital at 10–15% annually — a pace that can compound you into financial freedom within a decade.

🔑 Three Core Takeaways for Sub-$100K Investors

1. Avoid High Turnover: Every Trade Is a Tax and a Toll

Frequent trading kills returns, especially in taxable accounts. It’s not just about the transaction fees anymore — it’s the short-term capital gains, the mental strain, and the risk of bad timing.

📌 Rule: Stick to a few high-conviction positions, and let them work. Review monthly, not daily.

2. Risk Management is Non-Negotiable

You don’t have the cushion of big capital. Losing 50% on one speculative trade isn’t just painful — it’s a setback that may take years to recover from.

📌 Rule: Never let any single stock be more than 10% of your portfolio unless you have a very strong edge. And always know your exit before you enter.

3. Compounders > Speculators

The most underrated strategy is buying boring-but-brilliant businesses and holding them long enough to see the compounding effect. Instead of gambling on penny stocks or hype names, think like a mini-Warren Buffett.

📌 Rule: Look for companies with growing free cash flow, strong moats, and solid return on equity. Think long-term, not next earnings season.

🔍 Tech Stocks to Watch Over the Next 6 Months

For investors looking for a smart bet in tech — not just speculation — here are two names with solid fundamentals and mid-term potential.

1. Palantir Technologies (PLTR)

• Why? Government and enterprise AI/data contracts are scaling. It’s profitable now. Palantir has gone from a meme stock to a serious AI infrastructure play.

• Watch: Look for continued margin expansion and enterprise client growth. Volatile, but promising.

If you want lower volatility:

2. Microsoft (MSFT) – The best tech “compounder” to own. Strong AI exposure through Azure/OpenAI, cloud growth, and stable leadership.

Final Word

With under $100K, you are still in the capital-building phase, not the preservation phase. Your job is to protect your base, avoid big mistakes, and let time and compounding do the heavy lifting. The right rules will keep you in the game — and eventually ahead of it.

Thank you @Tiger_SG for the event. @CaptainTiger  @Daily_Discussion  @Tiger_comments  @koolgal  @HelenJanet  @GoodLife99  @vodkalime  @DCamel  @ahyi  @Emotional Investor