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A decade of independent thinking, now in one place: ask Factual.Money, read our Letters, listen to the podcast and learn the fundamentals.
Ask Factual.Money
Ask about any US-listed company, the economy or the markets. Every answer is built from primary sources such as 10-Ks, 10-Qs and investor relations, with tables, charts and links you can check.
- Business model, moat and management
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- What could break the thesis
Letters
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Read the Letters →Podcast
Conversations and analysis on businesses, cycles and long-term wealth.
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Structured courses on quality, long-term investing, from your first steps to global portfolios.
Explore the courses →Valuation, Notes & Briefing
Intrinsic value as a range, with margin of safety and moat evidence. Thesis notes that show what changed since your last review. And a briefing on the stocks you follow.
Open the tools →Models, not tips.
We give you the tools serious investors use to reach their own conclusions.
Intrinsic value, as a range
Owner earnings over ten years in pessimistic, base and optimistic cases, with every assumption visible and adjustable.
What the price assumes
A reverse cash-flow model shows the growth the market is already paying for, next to the growth the company actually delivered.
Moat and margin of safety
Evidence of a moat from returns on capital and stable margins, and how far the price sits from the value range.
Thesis notes and briefing
Your thesis and the numbers saved with every note, what changed since your last review, and a briefing on the stocks you follow.
Courses for every stage of the journey
Fifteen courses, from your first investment to a global, income-generating portfolio and a business of your own.
Factual Fortunes
A complete program on business strategy, capital allocation and long-term wealth.
Factual Fortunes (Fast-Track)
The Factual Fortunes program, in a faster format.
Wealth Automation
Automating a business and your wealth, with the right banking and company structures.
Successful Entrepreneurs
The rules, criteria and mindset behind consistent, long-term business profit.
Investments of the Future
How to benefit from the global, multi-sector expansion of technology.
Digital Money
Bitcoin and selected digital assets, through disciplined long-term allocation.
Learn to Earn
Learn to invest, from the fundamentals up.
Global Income
How to invest in the US stock market.
Independent Wealth
How to get through crises and build solid long-term wealth.
Smart Wallet
How to benefit from crises and from economic expansion.
Financial Intelligence
A new way to think about money and what really shapes financial results.
The Hidden Wealth Formula
The simplest way to invest for the long term.
Passive Income
How to build a monthly stream of passive income.
Entrepreneurship Q&A Sessions NYC
Conversations with international entrepreneurs on opportunities, goals and habits.
Saving Money
Saving well, a budget that works and a plan for long-term wealth.
It pays to think independently.
Markets price opinions every second. We start from facts: what a company reports, what the numbers show and what has to be true for an investment to work. The conclusion is always yours.
Facts, not opinions
Every figure comes from filings, investor relations or official data, with its source one click away.
Rigour you can check
Valuations are calculated, not guessed. Every assumption is visible and every result can be reproduced.
No recommendations
We never tell you what to buy or sell. We show the evidence and how to reason about it.
The long view
Business quality, capital allocation and patience, over headlines and short-term noise.
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