Is Apple overvalued now? Is it a good buy?$Apple(AAPL)$With Apple Market Cap hitting 2.5 Trillion USD, I am sure these questions are in your mind. Here are my key takeaways:-With 94.77 Billion Free Cash flow for Trailing-Twele Months, current valuation of Apple could be 260 USD per share with a Discount Rate of 5% and Growth Estimate of 5% for the next 10 years. -Apple has the strongest MOAT among all smartphone producing companies, which is 20% of the global market share. -Apple's profits have grown at 9.6% yearly for the past 5 years. Free Cash flow has grown at a CAGR rate of 9.4% for the past years. Share buybacks has increased from 33 Billion USD in 2017 to 72 Billion USD in 2020. -Apple is currently working on launching Appl

The House of Representatives on Friday passed the largest expansion of the social safety net in decades, a $1.75 trillion bill that funds universal pre-K, Medicare expansion, renewable energy credits, affordable housing, a year of expanded Child Tax Credits and major Obamacare subsidies.Now that it has cleared the House, President Joe Bidens Build Back Better Act goes to the Senate, where it is likely to be revised in the coming weeks. Senate Majority Leader Chuck Schumer said he aims to have the chamber pass the bill before Christmas. The big question is, which stocks will be benefit from this bill?-Manufacturing and Industrial companies will benefit greatly. Company like $Berkshire Hathaway(BRK.B)$who is widely into producing industrial

In 2008, $Berkshire Hathaway(BRK.B)$ Warren Buffett issued a challenge to the hedge fund industry, which in his view charged exorbitant fees that the funds' performances couldn't justify. Protégé Partners LLC accepted, and the two parties placed a million-dollar bet.The bet is that is any Hedge fund could beat the S&P500 for a period of 10 years, they will win $1M. Its safe to say, in 2017, Buffett has won the bet.Buffet has always been vocal and an advocator of low cost index fund. He mentions that anyone who invest in a low cost index fund will always outperform the market.Why should you invest in Index-Fund?Low CostIndex fund have expense ratio as low as 0.03%. Compared to picking Individual Stocks and hedge fund

In the E-commerce industry, both this 2 companies, $Amazon.com(AMZN)$ & $Alibaba(BABA)$$Alibaba(09988)$ are the strongest among all. With that being said, which company would be the best investment of the next decade?Lets look at the key takeaways: Both this company operate internationally. However, 92% of Alibaba's revenue comes from China. While for Amazon, only 64% comes from United States, while the rest comes from other countries. This shows that Amazon's revenue is more diversified and not just contributed from one country. Amazon's revenue is extremely high compared to Alibaba. For 12 months ended Q1 FY2020, Amaz

What is the greatest investment on earth?How to be a millionaire in the stock market?The answer: $Vanguard S&P 500 ETF(VOO)$Key Takeaways:1. S&P500 Index has returned an average of 11% since its inception in 1920. (100 years).2. Only a handful of investors have beaten the market over the long run. Even Warren Buffet, the God himself, has been lagging the index in the past decade. It is extremely hard to ever beat the index. 3. With a constant investment of just 500 a month for 30 years, you are able to make $ 1.26 million due to the compound interest. And the best part is, you would've only invested $180K, and the interest earned is $1.084 Million4. The S&P500 has had a correction (10% Decline) almost once every year on average,

Pheww such long awaited and most anticipated company earnings release today: $Berkshire Hathaway(BRK.B)$ Lets dive right in into the key-takeaways: Berkshire Hathaway saw another double-digit increase in its operating profit thanks to a continuous rebound in it railroad, utilities and energy businesses from the pandemic, while the company’s cash pile hit a record high as Warren Buffett continued to sit on the sidelines. Operating income of $6.47 billion in the third quarter, rising 18% from $5.48 billion in the same quarter a year ago. Berkshire said its myriad of businesses has benefited from the economic reopening as demand started to return to pre-pandemic levels. Operating earnings from its railroad, utilities and energy seg

The Federal Bank Reserve has announce today at 2pm that the well expecter Tapering will commenced. The Fed announce that The Federal Reserve will reduce its purchases of Treasurys and mortgage-backed securities later this month to not let the economy overheat and hyperinflation to take place.The goals of the commitee through this QE has been achieved, which is to reach max employment and continued gains in the economic activity. In livht of the inflation rate, the feds will proceed to Taper by reducing is net asset purchase by $10 Billion for Treasury securities and $5Billion for mortgage backed securities.  Target rate of federal funds rate will be at 0 to 1/4. The feds want the inflation rate to be below 2% on the long run. Now, what does this mean for the <

Long awaited earnings season of $Alibaba(BABA)$$Alibaba(09988)$ finally released, and boy was it a disaster. The stock plunge 10% the moment earnings were announced. But is the earnings really that bad? Lets take a deeper look at it:●Revenue was RMB200,690 million (US$31,147 million)from 155B, an increase of 29% YoY.●Aggregate revenue of our international commerce retail and international commerce wholesale was RMB15,092 million (US$2,342 million), an increase of 34% year-over-year.●Cloud computing revenue was RMB20,007 million (US$3,105 million), an increase of 33% year-over-year. ●Income from operations was RMB15,006 million (US$2,329 million), an increase of 10% YoY.●Net income attributable t

Will Joby Aviation be the next hundred bagger in the next 10 years?$Joby Aviation, Inc.(JOBY)$Here are my key takeaways:1. As this company is relatively new, and not even operating yet, there is no valuation to determine how much the company is worth. 2. When Tesla when public in 2010, the stock stayed stagnant for 10 years before taking off in 2020 to the moon. Similarly, Joby is currently in its early stage. 3. Compared to all the other EVTOL competitors in the market, Joby is the most tech-savvy one and is the company that is the most closest to being certified. The company is on the right track to providing its service by 2023. 3. As the company is still doing research on its EVTOL, more share dilution could happen in the coming ye

What kind of company is $Visa(V)$?Visa Inc. operates as a payments technology company worldwide. They operate a network that enables authorization, clearing, and settlement of payment transactions. To simplify it, every time you swipe your Debit or Credit Card, Visa earns a few cents. While it may just be a few cents, there is 7 billion people in the world, and we swipe our cards a few times everyday. This has made Visa into a Free Cash Flow Giant. How are the Earnings?Earnings has grown at a rate of 13.6% since inception. Revenue for FY2020 was 22B and earnings was 11B. That makes it have a 50% profit margin. Visa is also a free cash flow cow, as they dont have much operating expenses. FCF for FY20 was 15B. How sustainable is the business?Vis

What is the top company with the strongest moat in the world?$Alphabet(GOOG)$For those of you who dont know what moat is, having a business moat makes a business hard to be replicated due to the high barriers of entry. Therefore, competition decreases for the particular company. Over the years, even Warren Buffet himself has said that Company "Moats" are being torn down due to technology advancement. For example, a car company back in the 80's would be a company with strong moat. However, in todays time, there are so much of car manufacturing startup's such as Lucid Motors and Tesla that there is no more Moat for car manufacturing companies. However, this one company has the most durable moat in the entire world for the past 24 years s

Today, lets discuss about how the GAAP accounting method is very badly affecting Berkshire's Hathaway 'image'$Berkshire Hathaway(BRK.B)$●The change in Generally Accepted Accounting Rule (GAAP) in 2017 was made by the FASB. All companies have to report unrealized gains in their financial reports.●If you dont already know, Berkshire owns about 300 Billion USD worth of stocks in various companies. These equities flactuate on a daily basis crazily. Some days it goes up and some day it goes down. This will affect the Income statement (Net Profit/EPS) very badly. ●To evaluate Berkshire, its best to ignore the Profit completely and its an inaccurate depiction. You must instead look at Berkshires Operating Income. ● Berkshire has 9 segment of inco

Many of you think Warren Buffet, Bill Ackman or even Gorge Soros is the best investor. But you are wrong! The best investor is actually Nancy Pelosi, speaker of The House, who has beaten the S&P500 constantly. Her portfolio has returned 69% Per Annum for the past decade.Is it insider Trading or is it actual talent? You be the judge of that. But whatever it is, politicians who trade stocks tend to know more than the commoners, it does not take a fool to know that. According to a report by BusinessInsider, more than 220 members of Congress own individual stocks in 2020, with tech stocks being the most popular. In this article, lets look at the top stocks traded by members of congress. $Apple(AAPL)$Apple is the most held stock with 79 inve

Which rival is the better buy today?$Coca-Cola(KO)$$Pepsi(PEP)$Here are the key takeaways:1. KO mainly produces beverages (CocaCola,MinuteMaid, Schweppes) whereas PEP produces food and beverages (Cheetos, Lays, Gatorade).2. Valuation:KO ia fairly valued at 55-60USD with 6% Discount rate and 3% Growth rate (In line with Inflation)PEP is undervalued at 190-200USD with 6% discount rate and 3% Growth rate.3. Financial healthBoth companie have HUGE debt. KO D/E ratio is 173.4% while PEP D/E ratio is 258%. However, both companies are able to pay their bill. Debt coverage for PEP is 27% of operating cash flow and 29.9% for KO. 4. Share buybackBoth companies have good b

Why the Russell 1000 Growth Index is better than the S&P500 Index?$Vanguard Russell 1000 Growth Index Fund ETF Shares(VONG)$Here are my key takeaways:●Rusell 1000 Growth Index has returned 19.32% annually for the past 10 years, while S&P500 has only returned 16.30%● While the S&P500 is more diversified among sectors, Russell 1000 Growth Index has 47% in Tech Stocks. More tech stocks= More high growth●While the Russell 1000 growth only has a 10 yeat record, I personally think that it deserves a spot in your portfolio. 1000 top companies in the US, what could go wrong?● Buffet only made 20% a year, and if U can invest in Russell 100 Growth index which gives you 19%, you will surely be as rich as Warren BuffetComments by me:Do diversify your

$Ping An Insurance (Group) Company Of China, Ltd.(601318)$Key takeaways from interim report:-Overall, business revenue increase across all segment-Dividend increased by 10%-Share buybacks at RMB 5-10 bil-Free cash flow increased 27%-Company informed on 90% population already has Insurance. Growth may slow but company is looking for other channels to grow companyComments by me:Very positive outlook. Overall impressed with the interim report. Recommend to buy. Target price FCF based valuation 110 CNH. 

I was doing my research to find undervalued stocks with great moat & earnings, and I stumbled upon $Diageo PLC(DEO)$$Diageo plc(DGEAF)$Here are my key analysis on this company:●Diageo own a portfolio of 200 brands of alcohol and sells in 180 countries worldwide. The most notable brands are Smirnoff Vodka, Johnnie Walker Whisky, Baileys, Guinness, and even a 34% joint-venture stake in Moet-Henessy Champagne brands. ●Diageo has a high moat, as alcohol production is an extremely high barrier to entry. No one can replicate their business easily, and the portfolio of brands that they own are very high quality and always sought after.●Earnings have grown at a rate of 6% PA since 2015, while free cash fl

Happy 91st Birthday @WarrenBuffet!Truly the goat of investing! 🐐🐐Here are my key takeaways:1. Extremely hard to assess the companys valuation. However, based on conservative FCF method, its currently fairly valued at USD 280-300. 2. Berkshire has lagged the S&P500 for the past 2 years. However, I personally believe they are still able to beat the the market on the long run with the compounding effect.3. S&P500 is up against Berkshire due to its tech eexposure. However, with the overvaluation at S&P500 right now, Berkshire would be a better buy. 4. Biden's $1 Trillion infrastructure bill will further boost Berkshire's  earnings in the coming years. 5. Once Warren Buffet/Charlie Munger dies, the companys share price will take a small dip due to bad m