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Core Insights - Retirement planning is complex and requires careful consideration to ensure success [1] - The Retirement Forum offers actionable ideas, a high-yield safe retirement portfolio, and macroeconomic outlooks to help maximize capital and income [1][2] Group 1: Retirement Portfolio Strategies - The Value Portfolio focuses on building retirement portfolios using a fact-based research strategy that includes extensive analysis of 10Ks, analyst commentary, market reports, and investor presentations [2] - The leader of The Retirement Forum invests real money in the stocks recommended, providing model portfolios and in-depth company analysis [2] Group 2: Market Analysis and Insights - The Retirement Forum conducts comprehensive market searches to identify investment opportunities that maximize returns [1]

Core Insights - The article highlights the expertise of James Foord, an economist with a decade of experience in analyzing global markets, and his leadership role in The Pragmatic Investor, which focuses on building diversified investment portfolios to preserve and increase wealth [1] Group 1: Company Overview - The Pragmatic Investor is designed to guide investors of all levels through various investment strategies, covering global macro, international equities, commodities, technology, and cryptocurrencies [1] Group 2: Features and Offerings - The Pragmatic Investor offers a portfolio, weekly market update newsletters, actionable trades, technical analysis, and a chat room for investor engagement [1]

分组1: Berkshire Hathaway - Berkshire Hathaway has a strong balance sheet and its core insurance business remains stable despite challenges from California wildfires [1] - Greg Abel took over leadership on January 1, managing $670 billion in investable assets and numerous subsidiaries [2] - The stock price has stagnated since Buffett's retirement announcement, but the company continues to generate strong cash flow and grow its assets [8] 分组2: Gates Foundation - The Gates Foundation receives annual donations from Warren Buffett, including a recent donation of 9.4 million Class B shares of Berkshire Hathaway [4] - The foundation's trust holds a portfolio worth approximately $38 billion, with 59% invested in three major companies [5] - Bill Gates aims to give away nearly all his wealth through the foundation over the next 20 years [6][7] 分组3: WM (Waste Management) - WM operates a solid waste collection and disposal business with a competitive moat due to regulatory barriers for new landfills [10] - The company has shown strong revenue growth and improved operating margins, even amidst challenges in the recycling market [11] - WM trades at an attractive valuation with an enterprise value to EBITDA ratio of less than 14, making it a solid investment option [12] 分组4: Canadian National Railway - Canadian National Railway has a wide competitive moat and geographic advantages, operating tracks from coast to coast in Canada and into the U.S. [13][14] - The company has managed to offset declines in certain freight categories with increases in others, although overall volume growth has been modest [15] - With an enterprise value to EBITDA ratio of less than 12, Canadian National Railway is considered a good long-term value stock [18]

Core Insights - More than half of Americans plan to make financial resolutions for the new year, with the primary goal being debt repayment [1] Group 1: 2025 Financial Review - The previous year included unexpected financial challenges, such as an emergency that impacted the emergency fund and delays in selling a former home [3] - Despite these challenges, the company achieved its emergency fund goal ahead of schedule and met its non-dividend passive income target, although it fell short on dividend income [3] Group 2: 2026 Financial Goals - The company aims to build its investment portfolio's cash position to 10% by the end of 2026, currently holding nearly 8% in cash [5][6] - The stock market, represented by the S&P 500, increased by 18% in 2025 and over 80% in the last three years, leading to a valuation significantly above historical averages [5] - The company plans to boost its emergency fund to cover six months of living expenses and increase projected annual dividend income by 20% by the end of 2025 [8]

Group 1 - The REIT Forum offers exclusive investment ideas and access to subscriber-only portfolios [1] - Amrita leads a boutique family office fund in Vancouver, focusing on sustainable, growth-driven companies [2] - The fund aims to maximize shareholder equity by meeting growth-oriented goals [2] Group 2 - Amrita has experience in high-growth supply-chain start-ups and has worked with venture capital firms [2] - Her newsletter, The Pragmatic Optimist, focuses on portfolio strategy, valuation, and macroeconomics [2] - The newsletter has been recognized as a top finance newsletter and aims to democratize financial literacy [2]

Group 1 - The article discusses Pinterest (NYSE: PINS) and reiterates a "buy" rating due to an acceleration in revenue growth and positive Adjusted EBITDA results [1] - The author highlights the investment strategy of a boutique family office fund led by Amrita, focusing on sustainable, growth-driven companies that maximize shareholder equity [1] - Amrita's background includes experience in high-growth supply-chain start-ups and venture capital, emphasizing her ability to maximize returns for clients during the pandemic [1] Group 2 - The newsletter "The Pragmatic Optimist," co-founded by Amrita, aims to democratize financial literacy and simplify complex macroeconomic concepts for better understanding [1] - The newsletter has been recognized as a top finance newsletter on popular platforms, indicating its influence and reach in the investment community [1]

Group 1 - The article discusses the investment strategy of a family office fund led by Amrita, focusing on sustainable, growth-driven companies that aim to maximize shareholder equity [1] - Amrita has a background in high-growth supply-chain start-ups and has worked with venture capital firms, enhancing her expertise in user acquisition and investment portfolios [1] - The newsletter "The Pragmatic Optimist," co-founded by Amrita, emphasizes democratizing financial literacy and simplifying complex macroeconomic concepts for better understanding [1] Group 2 - The article mentions a Buy rating on monday.com Ltd. (MNDY) despite its weak forward guidance, indicating a positive outlook for the stock [1]

Group 1 - The article discusses the investment strategy of a family office fund led by Amrita, focusing on sustainable, growth-driven companies that aim to maximize shareholder equity [1] - CrowdStrike Holdings, Inc. (CRWD) is highlighted with a reiterated Buy rating, as its Ending Annual Recurring Revenue (ARR) is projected to increase [1] - Amrita's background includes experience in high-growth supply-chain start-ups and venture capital, emphasizing her expertise in maximizing returns for clients [1] Group 2 - The newsletter "The Pragmatic Optimist" co-founded by Amrita focuses on portfolio strategy, valuation, and macroeconomics, aiming to make financial literacy accessible [1] - The newsletter has been recognized as a top finance newsletter on popular platforms, indicating its influence and reach in the investment community [1]

Berkshire Hathaway - Berkshire Hathaway's investment portfolio continues to generate gains, but the company is facing challenges in finding significant investment opportunities for its growing cash reserves, as it sells more equities than it purchases each quarter [1] - The insurance business has shown solid results in 2025, with third-quarter underwriting earnings rising to $3.2 billion from $1 billion in Q3 2024, offsetting earlier declines in earnings [2] - Shares of Berkshire Hathaway are currently trading at about 1.55 times book value, which is above the historical average but lower than early 2025 highs, reflecting a more balanced valuation following Buffett's retirement announcement [7] Gates Foundation - The Gates Foundation has shifted its investment strategy, with approximately 60% of its $37 billion portfolio now invested in non-tech companies, following the sale of about two-thirds of its Microsoft shares [4][22] - Bill Gates plans to donate 99% of his remaining wealth over the next 20 years, with a current net worth of about $100 billion [5] Waste Management - Waste Management is a long-held security in the Gates Foundation trust, benefiting from its recession-resistant business model and competitive advantages, including a significant number of active landfills [8][9] - The company reported a 32% adjusted operating margin last quarter, indicating strong pricing power and operational efficiency [10] - Waste Management has expanded into medical waste disposal through its acquisition of Stericycle, which is expected to grow significantly due to the aging U.S. population [11] Canadian National Railway - Canadian National Railway connects key regions in Canada and the U.S., benefiting from economies of scale and significant barriers to entry in the railroad industry [14][15] - The company has been able to steadily raise prices and grow contract volume, achieving an operating margin of 38.6% last quarter [15] - Despite slow revenue growth, free cash flow increased by 14% in the first nine months of the year, with expectations for further improvements in 2026 [17][18]