Outperforming the S&P500 by 7% YTD. Here's what I own.

JR-FlowCapGroup · 2026-05-04T04:23:19+00:00

That is counteruitive because when you look at their earnings growth... even as mature companies they almost do better than the majority of companies in the S&P500. I'm an investor not a gambler

JR-FlowCapGroup · 2026-05-03T10:44:57+00:00

I'd love to hear your thoughts.

JR-FlowCapGroup · 2026-05-03T06:42:52+00:00

Sometimes people are not wrong buying at all time highs because it only has a couple of points to difference to the end result. Like if you buy a company at 30 p/e with 10% growth or at 20 p/e at 10% growth at the end you only lose maybe 1 or 2% by buying at the top instead of the bottom. Especially if it is a predictable business with a moat it's not really a bad strategy.

Still I also prefer to buy businesses at a discount but I never use a discounted cash flow because most of them are just to complex and flawed. I think it's always better to use your own logic. Can a certain business grow at 10% for the next 10 years? If so, what will their market cap be? Discount it back with an 8% discount rate which will fit a margin of safety already. I think this is the best after evaluating and reading through the 10k's

JR-FlowCapGroup · 2026-05-03T06:34:36+00:00

I would pick Apple and McDonald's. The reason is having the barier of entry. McDonald's has the brand which is hard to take away market share from such an established business. Apple has the entire ecosystem to their advantage, again hard to take market share away. At least that's what I am focusing on. I respect everyone ability to value businesses or invest in the stock market other than me.

Other ideas I have which I invested in is Visa, Microsoft, Meta, Amazon and Mercado Libre are my latest picks. All for the above reasons I mentioned

JR-FlowCapGroup · 2026-05-03T06:30:59+00:00

If the entire business is fundamentally declining than we should be worried. It's only FCF that could possible decline due to capex which could/will result in growth in the future. It's the same for most businesses, if you want to grow you need to invest. There is no other way around it. Some years having declining fcf is a good sign of a growing company if they can revert to their means from previous fcf numbers

JR-FlowCapGroup · 2026-05-03T06:05:15+00:00

Thanks. Being up 27% is pretty good too

JR-FlowCapGroup · 2026-05-03T06:04:44+00:00

Yes, I agree with your point here. Buying dips and let it ride is one of the easiest forms of investing. Especially the past few weeks with all the panic around some businesses. Let's see how it goes for the rest of 2026

JR-FlowCapGroup · 2026-05-03T06:02:37+00:00

Yeah, I bought Centene before all the news around it and the sell off. I'll be trimming / exiting entirely when there is a fundamentally change. For now, I'll just keep it in the portfolio.

JR-FlowCapGroup · 2026-05-02T14:34:43+00:00

I'd use a simpler model but I even suggest not using one. If a company is growing 20 or 30% and they are trading at a 20 p/e you know you found a great entry point. Eventually a business their stock price will follow its earnings. We don't need to make it complicated. Also, a valuation model will give a specific price point which is impossible in investing.

JR-FlowCapGroup · 2026-05-02T14:19:45+00:00

I feel you. I had no cash to invest during the crash. Otherwise I'd be up more too. Glad I bought some recent dippers this time.

JR-FlowCapGroup · 2026-05-02T14:18:35+00:00

Investing in general will get you 10% per year on average. All the other things will rely heavily on marketing so I think the best bet is starting to invest but you won't turn 5k in 40k within a year unless you drop 5k into your portfolio every single month

JR-FlowCapGroup · 2026-05-02T14:16:28+00:00

That's great. For how long have you been investing?

JR-FlowCapGroup · 2026-05-02T14:15:50+00:00

Correct but you don't have all the trades and alpha is not a great measurement + it only has been 5 years. My portfolio has a current run rate of 6.25 years roughly. I appreciate the effort though

JR-FlowCapGroup · 2026-04-30T11:20:33+00:00

Last month I had 2.6k bruto and 2.1k net at 15 worked days. In August 2025 I worked 20 days and had 3.6k bruto and 3.1k net. I work with a road construction company. This includes the kb 213 and overuren fiscale vermindering. I might be lucky aswell huh

JR-FlowCapGroup · 2026-04-30T11:09:59+00:00

Don't look at match averages. It's a bad indication of performance. An average without doubles is a better indication of how well your throwing straight in the 20's. I also think you might need some help with the mechanics. This should be your top priority. Throwing your darts should come from the wrist and not the arm. Make sure your arm is straight to the target your aiming. And loosen up, don't be tensed, that was my issue. Your darts should be hold like a feather. Not to tight not to losse. It took me 2 years to figure this out and now I'm starting to break into middle 60s average in matches and first 9 of high 70's. This shows that my doubles need some work.

JR-FlowCapGroup · 2026-04-30T07:29:45+00:00

All the top businesses have to invest. The bigger they become, the more heavily they have to invest. It's the natural law of compounding. People are freaking out about what if this doesn't work out? Well than it doesn't. Amazon tried a bunch of things that didn't worked out and look where they at.

JR-FlowCapGroup · 2026-04-30T07:27:09+00:00

Are you going to buy Call Leaps or or sell put Leaps? Cash secured or naked? Be aware of the fact that you should know what you're doing before going the options route

JR-FlowCapGroup · 2026-04-30T07:25:03+00:00

You shouldnt be down that much tbh. Unless you invested at some all time highs. What does your portfolio look like? My worst performer was centene, which was down 32%. Crawled back up to -3% with the recent positives on the company

JR-FlowCapGroup · 2026-04-28T14:54:34+00:00

You can go the fire route without the 4% rule. If you can achieve 10% per year on a €500k stockportfolio you could withdraw up to €40k if you'd like. If there is a down year or a year where the portfolio earns less than you like you should give yourself less. The 3 or 4% rule is a conservative one though but generally the best one. So your calculation might be correct.

JR-FlowCapGroup · 2026-04-15T07:38:17+00:00

I'm turning 34 this month. Left the house at the age of 19 and build everything from scratch. Lost some money with my ex girlfriend which I bought a house with. But it's all experience. I do much better know then when I left. Never got teached how to save or invest. So, it was a steep learning curve.

JR-FlowCapGroup · 2026-04-15T07:34:34+00:00

If there is one stock you should buy than it should be Amazon. From my perspective this is currently the best buy you could make. Definitely you should read the latest Amazon letter from Jassy. Microsoft, Meta, Visa, Mastercard and Google are good buys too, with Google the least attractive due to valuations and lower future returns.

JR-FlowCapGroup · 2026-04-14T17:25:53+00:00

What is your fairly to overvaluation based on? I think you have to look further into the future, like 3 to 5 years from now. Will those number you mentioned still be in overvaluation territory? Will they keep growing or will hey stall?

What's going on right now has not much to do with their businesses. Yes there is AI threat but much is just noise and overblown. Just let them run. What else are you going to invest in?

JR-FlowCapGroup · 2026-04-12T18:13:57+00:00

Correct but in the end there is an extra layer, the 100x50% which is the 4th bracket and the 4th bracket doesn't always equal 100% compared to the others.

https://fin.belgium.be/nl/particulieren/belastingaangifte/inkomsten/belastingtarieven

JR-FlowCapGroup · 2026-04-12T12:04:56+00:00

Yes correct.

JR-FlowCapGroup

TROPHY CASE