Hugo
@investwithhugo.bsky.social
I Turned $80k Into $2M+ in Passive Income in 4 years. Now I Teach Professionals How to Skip the 20-Year ‘Trial & Error’ Phase. Grab my free ebook: https://bit.ly/45ZBlmq
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5 Stocks the Market is Still Getting Wrong
This 2-minute thread will save you years of mediocre returns. Most investors chase hype.
Smart investors hunt for growth at a good price.
1/8
This 2-minute thread will save you years of mediocre returns. Most investors chase hype.
Smart investors hunt for growth at a good price.
1/8
If you’re over 40 and starting late you can still:
1. Max out retirement catch-up contributions
2. Downsize your home to unlock equity
3. Focus on high-conviction, 5-year holds
4. Build a dividend income stream
5. Automate your investing completely
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1. Max out retirement catch-up contributions
2. Downsize your home to unlock equity
3. Focus on high-conviction, 5-year holds
4. Build a dividend income stream
5. Automate your investing completely
1/2
November 15, 2025 at 9:12 PM
If you’re over 40 and starting late you can still:
1. Max out retirement catch-up contributions
2. Downsize your home to unlock equity
3. Focus on high-conviction, 5-year holds
4. Build a dividend income stream
5. Automate your investing completely
1/2
1. Max out retirement catch-up contributions
2. Downsize your home to unlock equity
3. Focus on high-conviction, 5-year holds
4. Build a dividend income stream
5. Automate your investing completely
1/2
The less you check your portfolio, the more you focus on your life and career.
Obsessing over daily charts is a distraction, not a strategy.
Obsessing over daily charts is a distraction, not a strategy.
November 15, 2025 at 12:49 PM
The less you check your portfolio, the more you focus on your life and career.
Obsessing over daily charts is a distraction, not a strategy.
Obsessing over daily charts is a distraction, not a strategy.
10 simple things I wish I could tell my 30-year-old self:
1. Max out your 401(k) match. It's free money.
2. Buy the boring index fund.
3. Your primary residence is a home, not an ATM.
4. Learn about Roth IRAs.
5. Time in the market > timing the market.
...
1/2
1. Max out your 401(k) match. It's free money.
2. Buy the boring index fund.
3. Your primary residence is a home, not an ATM.
4. Learn about Roth IRAs.
5. Time in the market > timing the market.
...
1/2
November 13, 2025 at 9:02 PM
10 simple things I wish I could tell my 30-year-old self:
1. Max out your 401(k) match. It's free money.
2. Buy the boring index fund.
3. Your primary residence is a home, not an ATM.
4. Learn about Roth IRAs.
5. Time in the market > timing the market.
...
1/2
1. Max out your 401(k) match. It's free money.
2. Buy the boring index fund.
3. Your primary residence is a home, not an ATM.
4. Learn about Roth IRAs.
5. Time in the market > timing the market.
...
1/2
Lie: You need a huge salary to build wealth.
You need a huge savings rate.
This is an empowering realisation.
Their success is not due to a single stock pick.
They built consistent investing habits and lived below their means.
You need a huge savings rate.
This is an empowering realisation.
Their success is not due to a single stock pick.
They built consistent investing habits and lived below their means.
November 13, 2025 at 12:06 PM
Lie: You need a huge salary to build wealth.
You need a huge savings rate.
This is an empowering realisation.
Their success is not due to a single stock pick.
They built consistent investing habits and lived below their means.
You need a huge savings rate.
This is an empowering realisation.
Their success is not due to a single stock pick.
They built consistent investing habits and lived below their means.
I'm not buying "AI" as a buzzword. I'm buying the companies with unbreakable moats.
My top 5 moat-driven stocks:
$ASML (Literal monopoly)
$NVDA (Software ecosystem)
$META (Network effect)
$AVGO (Mission-critical chips)
$SPGI (Trust in ratings)
My top 5 moat-driven stocks:
$ASML (Literal monopoly)
$NVDA (Software ecosystem)
$META (Network effect)
$AVGO (Mission-critical chips)
$SPGI (Trust in ratings)
November 12, 2025 at 12:56 PM
I'm not buying "AI" as a buzzword. I'm buying the companies with unbreakable moats.
My top 5 moat-driven stocks:
$ASML (Literal monopoly)
$NVDA (Software ecosystem)
$META (Network effect)
$AVGO (Mission-critical chips)
$SPGI (Trust in ratings)
My top 5 moat-driven stocks:
$ASML (Literal monopoly)
$NVDA (Software ecosystem)
$META (Network effect)
$AVGO (Mission-critical chips)
$SPGI (Trust in ratings)
An uncomfortable, unpopular, polarizing belief...
AND the most powerful one that's made me wealthy:
We are always one bad decision away from a major financial setback.
The sooner we accept that as a fact AND focus only on the things we can control...
the faster true financial security is achieved.
AND the most powerful one that's made me wealthy:
We are always one bad decision away from a major financial setback.
The sooner we accept that as a fact AND focus only on the things we can control...
the faster true financial security is achieved.
November 11, 2025 at 12:01 PM
An uncomfortable, unpopular, polarizing belief...
AND the most powerful one that's made me wealthy:
We are always one bad decision away from a major financial setback.
The sooner we accept that as a fact AND focus only on the things we can control...
the faster true financial security is achieved.
AND the most powerful one that's made me wealthy:
We are always one bad decision away from a major financial setback.
The sooner we accept that as a fact AND focus only on the things we can control...
the faster true financial security is achieved.
My "set and forget" core holdings. I sleep well at night.
🛌 80% in these:
$VTI (Total US Market)
$VNQ (US Real Estate)
$MSFT (Steady Tech)
$JPM (Financial Health)
🚀 20% in these for growth:
$OKLO
$PATH
$ARCL
🛌 80% in these:
$VTI (Total US Market)
$VNQ (US Real Estate)
$MSFT (Steady Tech)
$JPM (Financial Health)
🚀 20% in these for growth:
$OKLO
$PATH
$ARCL
November 10, 2025 at 12:49 PM
My "set and forget" core holdings. I sleep well at night.
🛌 80% in these:
$VTI (Total US Market)
$VNQ (US Real Estate)
$MSFT (Steady Tech)
$JPM (Financial Health)
🚀 20% in these for growth:
$OKLO
$PATH
$ARCL
🛌 80% in these:
$VTI (Total US Market)
$VNQ (US Real Estate)
$MSFT (Steady Tech)
$JPM (Financial Health)
🚀 20% in these for growth:
$OKLO
$PATH
$ARCL
Ask yourself 3 questions before you buy a rental property:
What is the true cash flow after all expenses?
What is the quality of the local schools and employers?
*Do I have a 6-month reserve for vacancies and repairs?*
If the answer to all 3 is positive, then go make an offer.
What is the true cash flow after all expenses?
What is the quality of the local schools and employers?
*Do I have a 6-month reserve for vacancies and repairs?*
If the answer to all 3 is positive, then go make an offer.
November 9, 2025 at 12:48 PM
Ask yourself 3 questions before you buy a rental property:
What is the true cash flow after all expenses?
What is the quality of the local schools and employers?
*Do I have a 6-month reserve for vacancies and repairs?*
If the answer to all 3 is positive, then go make an offer.
What is the true cash flow after all expenses?
What is the quality of the local schools and employers?
*Do I have a 6-month reserve for vacancies and repairs?*
If the answer to all 3 is positive, then go make an offer.
The US is rebuilding its infrastructure. Here are 10 winners, grouped by catalyst:
🖥️ AI & Chips:
$NVDA
$AVGO
$AMD
$ASML
🔋 Energy & Infrastructure:
$OKLO
🏠 Real Estate & Materials:
$IREM
$BMNR
🖥️ AI & Chips:
$NVDA
$AVGO
$AMD
$ASML
🔋 Energy & Infrastructure:
$OKLO
🏠 Real Estate & Materials:
$IREM
$BMNR
November 8, 2025 at 12:23 PM
The US is rebuilding its infrastructure. Here are 10 winners, grouped by catalyst:
🖥️ AI & Chips:
$NVDA
$AVGO
$AMD
$ASML
🔋 Energy & Infrastructure:
$OKLO
🏠 Real Estate & Materials:
$IREM
$BMNR
🖥️ AI & Chips:
$NVDA
$AVGO
$AMD
$ASML
🔋 Energy & Infrastructure:
$OKLO
🏠 Real Estate & Materials:
$IREM
$BMNR
Things you do not need to start investing in real estate:
1. Be an expert
2. Have 100% cash
3, Own 100 properties
Things you do need to start investing in real estate:
A. Good credit
B. A solid down payment
C. A trustworthy real estate agent
D. Patience
1. Be an expert
2. Have 100% cash
3, Own 100 properties
Things you do need to start investing in real estate:
A. Good credit
B. A solid down payment
C. A trustworthy real estate agent
D. Patience
November 7, 2025 at 12:43 PM
Things you do not need to start investing in real estate:
1. Be an expert
2. Have 100% cash
3, Own 100 properties
Things you do need to start investing in real estate:
A. Good credit
B. A solid down payment
C. A trustworthy real estate agent
D. Patience
1. Be an expert
2. Have 100% cash
3, Own 100 properties
Things you do need to start investing in real estate:
A. Good credit
B. A solid down payment
C. A trustworthy real estate agent
D. Patience
I focus on cash flow and innovation.
✅ BUY:
$NVDA
$MSFT
$O (Realty Income - monthly dividends)
$HIMS
🔄 HOLD:
$VTI
$VNQ (Real Estate ETF)
✅ BUY:
$NVDA
$MSFT
$O (Realty Income - monthly dividends)
$HIMS
🔄 HOLD:
$VTI
$VNQ (Real Estate ETF)
November 6, 2025 at 12:46 PM
I focus on cash flow and innovation.
✅ BUY:
$NVDA
$MSFT
$O (Realty Income - monthly dividends)
$HIMS
🔄 HOLD:
$VTI
$VNQ (Real Estate ETF)
✅ BUY:
$NVDA
$MSFT
$O (Realty Income - monthly dividends)
$HIMS
🔄 HOLD:
$VTI
$VNQ (Real Estate ETF)
Stages of an Investor
Beginner: Buys and sells based on headlines.
Intermediate: Understands P/E ratios and balance sheets.
Advanced: Builds a diversified, long-term portfolio.
Master: Knows that their own behavior is the biggest risk.
Beginner: Buys and sells based on headlines.
Intermediate: Understands P/E ratios and balance sheets.
Advanced: Builds a diversified, long-term portfolio.
Master: Knows that their own behavior is the biggest risk.
November 4, 2025 at 9:05 PM
Stages of an Investor
Beginner: Buys and sells based on headlines.
Intermediate: Understands P/E ratios and balance sheets.
Advanced: Builds a diversified, long-term portfolio.
Master: Knows that their own behavior is the biggest risk.
Beginner: Buys and sells based on headlines.
Intermediate: Understands P/E ratios and balance sheets.
Advanced: Builds a diversified, long-term portfolio.
Master: Knows that their own behavior is the biggest risk.
The popular narrative:
"You need to be a genius or have insider information to beat the market."
The better narrative:
"You need discipline and patience to match the market, which is all you need to build wealth."
"You need to be a genius or have insider information to beat the market."
The better narrative:
"You need discipline and patience to match the market, which is all you need to build wealth."
November 4, 2025 at 12:32 PM
The popular narrative:
"You need to be a genius or have insider information to beat the market."
The better narrative:
"You need discipline and patience to match the market, which is all you need to build wealth."
"You need to be a genius or have insider information to beat the market."
The better narrative:
"You need discipline and patience to match the market, which is all you need to build wealth."
If you can spend 8 hours a day building someone else dreams, you can spend 1 hour on yours.
Hold the excuses.
Hold the excuses.
November 2, 2025 at 12:52 PM
If you can spend 8 hours a day building someone else dreams, you can spend 1 hour on yours.
Hold the excuses.
Hold the excuses.
My next buys will be picks & shovels for AI and next-gen infrastructure. 🧐
Top of my watchlist:
$NVDA (AI Hardware)
$MU (Memory Chips)
$ASML (Chip Manufacturing)
$IREM (Real Estate Tech)
Which 2 are the most essential?
Top of my watchlist:
$NVDA (AI Hardware)
$MU (Memory Chips)
$ASML (Chip Manufacturing)
$IREM (Real Estate Tech)
Which 2 are the most essential?
November 1, 2025 at 12:12 PM
My next buys will be picks & shovels for AI and next-gen infrastructure. 🧐
Top of my watchlist:
$NVDA (AI Hardware)
$MU (Memory Chips)
$ASML (Chip Manufacturing)
$IREM (Real Estate Tech)
Which 2 are the most essential?
Top of my watchlist:
$NVDA (AI Hardware)
$MU (Memory Chips)
$ASML (Chip Manufacturing)
$IREM (Real Estate Tech)
Which 2 are the most essential?
Truth: no one is coming to save your finances.
The market will not care.
The economy will not care.
Inflation will not stop.
The market will not care.
The economy will not care.
Inflation will not stop.
October 30, 2025 at 9:26 PM
Truth: no one is coming to save your finances.
The market will not care.
The economy will not care.
Inflation will not stop.
The market will not care.
The economy will not care.
Inflation will not stop.
How most successful investors operate:
> They automate their investments
> They focus on the long-term
> They diversify across asset classes
> They manage their emotions
Why most investors fail:
> They try to time the market
> They chase hot tips
> They sell in a panic
> They automate their investments
> They focus on the long-term
> They diversify across asset classes
> They manage their emotions
Why most investors fail:
> They try to time the market
> They chase hot tips
> They sell in a panic
October 30, 2025 at 12:15 PM
How most successful investors operate:
> They automate their investments
> They focus on the long-term
> They diversify across asset classes
> They manage their emotions
Why most investors fail:
> They try to time the market
> They chase hot tips
> They sell in a panic
> They automate their investments
> They focus on the long-term
> They diversify across asset classes
> They manage their emotions
Why most investors fail:
> They try to time the market
> They chase hot tips
> They sell in a panic
It is a beautiful day to remember that your analysis paralysis are someone’s else decisive action.
October 28, 2025 at 9:02 PM
It is a beautiful day to remember that your analysis paralysis are someone’s else decisive action.
How to build a property portfolio
in 5 years (without savings)
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in 5 years (without savings)
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October 28, 2025 at 12:41 PM
How to build a property portfolio
in 5 years (without savings)
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in 5 years (without savings)
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These are my high-risk, high-conviction picks for a 5-10 year horizon. Small caps with a potential to follow $PLTR's path.
$OKLO (Advanced nuclear energy)
$MNPR (Biotech with a unique platform)
$BMNR (Cloud computing infrastructure)
$OKLO (Advanced nuclear energy)
$MNPR (Biotech with a unique platform)
$BMNR (Cloud computing infrastructure)
October 28, 2025 at 12:38 PM
These are my high-risk, high-conviction picks for a 5-10 year horizon. Small caps with a potential to follow $PLTR's path.
$OKLO (Advanced nuclear energy)
$MNPR (Biotech with a unique platform)
$BMNR (Cloud computing infrastructure)
$OKLO (Advanced nuclear energy)
$MNPR (Biotech with a unique platform)
$BMNR (Cloud computing infrastructure)
Getting 1% better at investing means leaping millions: 1% of the S&P 500 is $47 billion. Continue to get 1% better each month, quarter, or year, and you're building generational wealth.
October 27, 2025 at 12:42 PM
Getting 1% better at investing means leaping millions: 1% of the S&P 500 is $47 billion. Continue to get 1% better each month, quarter, or year, and you're building generational wealth.
You don't need a perfect moment to start.
Go find:
An S&P 500 index fund
A REIT for real estate exposure
One high-conviction stock you understand
Stop waiting for a sign. The sign was yesterday.
Go find:
An S&P 500 index fund
A REIT for real estate exposure
One high-conviction stock you understand
Stop waiting for a sign. The sign was yesterday.
October 26, 2025 at 12:45 PM
You don't need a perfect moment to start.
Go find:
An S&P 500 index fund
A REIT for real estate exposure
One high-conviction stock you understand
Stop waiting for a sign. The sign was yesterday.
Go find:
An S&P 500 index fund
A REIT for real estate exposure
One high-conviction stock you understand
Stop waiting for a sign. The sign was yesterday.
Normalize investing a fixed amount monthly, as much as possible as a way your future self becomes financially independent.
October 25, 2025 at 12:29 PM
Normalize investing a fixed amount monthly, as much as possible as a way your future self becomes financially independent.
The most dangerous line of thought is that you have to keep your entire savings in a savings account even when inflation is eating it alive.
October 24, 2025 at 12:59 PM
The most dangerous line of thought is that you have to keep your entire savings in a savings account even when inflation is eating it alive.