Yorrin | FluentInQuality

Wrote before the sun came up.

Not for clicks.
Not for virality.

Just to get sharper.

And help a few people compound better.

Every 10-bagger starts as “boring.”

The best opportunities don’t shout.

They whisper:
> Consistent margins
> Repeatable growth
> Owner-operator mindset

Listen closely.

Here are some companies I'm excited about for the future 👇🏻

Nu Holdings | $NU
Oscar Health | $OSCR
S&P Global | $SPGI
Visa | $V
ASML Holdings | $ASML
Kinsale Capital | $KNSL
Lemonade Inc. | $LMND
Hims and Hers | $HIMS

What company am I missing? 👀

Most people want freedom.

Few are willing to work quietly for years to earn it.

If you invest with patience and write with purpose, you’re already ahead.

Want a quick investing filter?

Look for:
• High ROIC
• Low debt
• High insider ownership
• Simple business model

That alone filters out 90% of the noise.

Here’s something you’ll rarely hear:

> The best-performing investors… buy fewer stocks.

• They go deeper, not wider.
• They study for months.
• And they wait like snipers.

Diversification is for protection.
Concentration is for conviction.

7 High-Quality Mid-Caps You Need To Monitor Closely In 2025 It's often said that true wealth is build from holding small and mid-caps for a long period. Here are 7 that, sooner or later, you could hold forever.

7 high-quality mid-caps that are quietly compounding, setting themselves up for tremendous success.

Curious which made the list?

Start reading! 👇🏻
fluentinquality.substack.com/p/7-high-qua...

My investing values:

• Quality over hype
• Patience over prediction
• Ownership over FOMO
• Simplicity over complexity

This isn't just about money, it's about peace of mind.

Warren Buffett made 99% of his wealth after age 50.

Why?

Because he never stopped:
• Reading
• Thinking
• Investing in quality

Your edge isn’t timing, it’s staying in the game.

Want to build real wealth?

Then stop asking:
> “What will go up next?”

Start asking:
> “What can compound forever?”

That question changes everything.

Top 1% investors:

• Stay calm
• Read constantly
• Think independently
• Take full responsibility
• Adapt when the facts change
• Hold a strong conviction long-term
• Let compounding work for decades

I remember buying my first stock in 2020.

• Didn’t know what ROIC meant.
• Didn’t read the 10-K.
• Just vibes.

Now I read investor decks like novels.

Growth takes time.
But it stacks quietly.

That's it!

Put Rochon's lessons to work and start outperforming!

If you like these kinds of threads, follow me @fluentinquality

See you next time! :-)

5. True Investing Is Emotional Mastery

• Panic ruins great plans
• Temperament trumps IQ
• Keep calm when others can’t
• The game is won in your mind
• Most lose to their own reactions

4. Focus on the Business, Not the Noise

• Ignore hype
• Cyclicality masks fragility
• Fundamentals tell the truth
• Debt is destroyed when storms hit
• Risk = permanent loss, not volatility

3. Give Medals to Your Mistakes

• Everyone misses
• Analyze your errors
• Share them, don’t hide them
• Humility sharpens your edge
• Learn publicly, grow internally

2. The Market Is a Tool, Not an Oracle

• You can’t time it
• Don’t treat prices as truths
• Think like a business owner
• It’s irrational in the short term
• Evaluate fundamentals, not forecasts

1. Long-Term Thinking Isn’t a Preference—It’s a Survival Strategy

• Markets drop often — and hard
• Enduring pain is part of the journey
• Volatility is the cost of compounding
• Patience + perseverance = real returns
• Sticking to principles beats chasing trends

François Rochon is undoubtedly one of the best quality investors alive.

With minimal effort, he achieved an annualized return of 15% since July 1, 1993.

Here's how he did it in 5 easy steps and how you can do it too:🧵

The snowball dividend is silent at first, louder later on!

The next challenge for many is to actually hold that long. 😂

When I was 19, I was:

1. Addicted to nicotine
2. Addicted to video games
4. Addicted to spending recklessly/not saving & investing

Now, at 27, I am:
1. Addicted to fitness
2. Addicted to reading
3. Addicted to investing in the best companies in the world

Choose your addiction.