Millennial Dividends

My investment philosophy is built around one objective: compounding capital over a 30-year horizon to achieve financial independence by age 60. I target 12–15% annual total returns and focus purely on risk-adjusted upside. I don’t subscribe to a specific investing label — value, growth, dividend, or quality. Capital goes where the opportunity is strongest. My portfolio is intentionally concentrated, typically holding no more than 10–15 positions. These are high-conviction investments, not an exercise in diversification for its own sake. Valuation matters, but only in the context of future growth and business quality. I’m not looking for the cheapest stocks — I’m looking for the best risk-reward opportunities. I invest across both US and European markets and use dollar-cost averaging as a core execution discipline to remove emotion and market timing from the process. Outside equities, I own two residential properties. Combined with stocks, this provides geographic and asset-class diversification.