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The Power of Compound Interest Over Decades

Here is a number that should keep you awake tonight: one dollar invested in 1964 at a 23% annual return would be worth over $229 by 1987. Not because of some genius stock pick or insider tip, but because of compound interest doing what it does – quietly, relentlessly multiplying your money while you sleep. Now extend that logic to 2025 and the numbers become almost absurd. Compound interest is the single most powerful force available to any investor, and the best part is that it requires no special talent. Just patience and the discipline to not touch your money.

Margin of Safety: The One Rule You Cannot Break

Margin of safety is the single most important concept in investing, and most people ignore it completely. They see a stock going up, they read a headline about record revenue, and they buy at whatever price the market is offering. Then they wonder why their portfolio looks like a crime scene six months later. The idea is brutally simple: never pay full price for anything. Buy assets for significantly less than they are worth, and you give yourself a cushion against being wrong. Because you will be wrong. The question is whether being wrong destroys you or just mildly inconveniences you.

How to Find Undervalued Stocks That Others Miss

Finding undervalued stocks is not some mystical art reserved for hedge fund managers with Bloomberg terminals and three monitors. It is a skill. A learnable, repeatable skill that comes down to two variables: price and value. If you can figure out what a business is actually worth and then buy it for less than that, you are already ahead of most people in the market.

Think Like a Business Owner, Not a Trader

Most people who buy stocks think of themselves as traders. They watch price ticks, obsess over quarterly earnings beats, and treat their portfolio like a slot machine with better graphics. But the single biggest edge you can give yourself as an investor is a shift in identity: stop thinking like a trader and start thinking like a business owner.

Why Value Investing Still Works in 2025

Value investing still works in 2025, and honestly, it might matter more now than ever. While everyone around you is chasing the next AI stock or refreshing their crypto portfolio every five minutes, the people who quietly buy good businesses at fair prices keep winning decade after decade. Not because they are smarter. Because they are more patient.

PascalFi

PascalFi explores the intersection of quantitative methods and practical investing. Named after Blaise Pascal, the mathematician who laid the groundwork for probability theory, this blog applies data-driven thinking to investment decisions. The art …

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