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TEMPLETE

Tanjim Abir

9/8/20256 min read

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👋Good morning. Did you get your taxes in by yesterday's deadline? We hope so. But that doesn't mean you felt good about it.

In fact, just 46% of Americans said the amount of income tax they'll pay this year is 'fair,' just above 1999's record low of 45%. Plus, 59% say the amount of federal income tax they have to pay is too high—not great considering the only certainties in life are death and taxes.

Date: 1 September 2025

In this email:

How to automate your savings for long-term wealth?
Why tech stocks are leading the market rally?
The stoic approach to investing
A quote from Warren Buffett on risk management
Review of 'The Psychology of Money
Case study: building the million-dollar portfolio
Top financial news of the week
My thoughts on the importance of diversification

💵Personal finance: Personal finance is about managing your money wisely through budgeting, saving, and making informed spending decisions. Start by tracking your expenses, building an emergency fund of 3-6 months of living costs, and paying off high-interest debt before focusing on investments. The key is living below your means and consistently putting money aside for your future goals.

MARKET INSIGHTS

📈Investing Tips: Start investing early to maximize compound growth, even if it's just small amounts. Diversify your portfolio with low-cost index funds, avoid trying to time the market, and stay consistent with regular contributions regardless of market fluctuations. Remember that investing is a long-term game—patience and discipline typically beat frequent trading.

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SPONSOR SPOTLIGHT - SLOT 1

How tariffs hurt the economy? Tariffs hurt the economy by increasing prices for consumers, as businesses pass along the higher costs of imported goods. They reduce competition, which can lead to less innovation and efficiency, while also prompting other countries to impose retaliatory tariffs on our exports. This creates a cycle that ultimately makes goods more expensive and can slow overall economic growth.

POLICY PULSE

The myth of interest games: Many people believe they can consistently "game" interest rates by timing the market or jumping between different investment vehicles. In reality, constantly chasing higher rates often leads to missed opportunities, transaction costs, and poor timing decisions. The most successful approach is typically finding solid, stable investment options and letting compound interest work over time rather than trying to outsmart the system.

Philosophy: The market reminded us once again that volatility is the price we pay for long-term returns. While daily fluctuations can test our emotions, last week's movements were just noise in the broader story of wealth creation. The wise investor views these moments as opportunities to stay disciplined, stick to their strategy, and remember that markets reward patience over panic.

MIND OVER MONEY

Psychology: Fear and greed dominated trading as investors swung between optimism and panic within days. The week showed how emotions drive short-term market movements more than fundamentals—those who stayed calm and avoided knee-jerk reactions likely fared better than those who bought high on excitement or sold low in fear. It's a perfect reminder that successful investing requires mastering your mind before mastering the market.

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Security Analysis

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WISDOM FROM THE GREATS

The second formative force in attitude is conditioning. It's the same force that trains dogs with shock collars or makes Pavlov's dogs salivate when the bell rings.

Robert Kyosaki

The second formative force in attitude is conditioning. It's the same force that trains dogs with shock collars or makes Pavlov's dogs salivate when the bell rings.

Warren Buffet

The second formative force in attitude is conditioning. It's the same force that trains dogs with shock collars or makes Pavlov's dogs salivate when the bell rings.

Ray Dalio

Rich Dad Poor Dad: The wealthy buy assets that generate income, while the poor buy liabilities they think are assets. Financial education matters more than how much you earn.

BOOK NOOK

The Big Debt Crisis: Economies follow predictable debt cycles of borrowing, bubbles, and crashes. Understanding these patterns helps investors prepare for inevitable economic shifts.

How Buffett made 20% compound annual growth over 50 years? Buffett achieved this through disciplined value investing—buying quality companies at discounted prices and holding them for decades. He focused on businesses with strong competitive advantages, predictable earnings, and excellent management, while avoiding speculation and market timing. His secret wasn't complex strategies but rather patience, staying within his circle of competence, and letting compound interest work its magic over time.

CASE STUDY CORNER

How Michael Porter saved himself from bankruptcy? Michael Porter restructured his debts through negotiation with creditors, drastically cut personal expenses, and focused on rebuilding his income through his core expertise. He sold non-essential assets, created a strict budget, and worked multiple income streams while avoiding new debt. The key was facing the reality of his situation honestly, taking immediate action, and maintaining discipline during the recovery process.

SPONSOR SPOTLIGHT - SLOT 2

Trump put 134% tariffs on China: This extreme tariff rate would significantly increase prices on Chinese goods for American consumers, as importers typically pass these costs along. Such high tariffs could spark a major trade war, with China likely retaliating against U.S. exports, potentially hurting American farmers and manufacturers. While intended to protect domestic industries, tariffs of this magnitude often end up costing consumers more than they benefit the economy.

WEEKLY ROUND UP

Fed raises inflation from 5.5 to 6.5%: This would signal that price pressures are accelerating despite monetary policy efforts. A rising inflation rate typically prompts the Federal Reserve to consider more aggressive interest rate hikes to cool the economy and bring prices under control. Higher inflation erodes purchasing power for consumers and can lead to increased borrowing costs across the economy.

My personal thoughts: Markets are driven more by psychology than fundamentals, and most investors would benefit from simply buying diversified index funds and waiting decades rather than trying to time entries and exits. The real wealth-building happens through consistent saving and letting compound interest work, not through picking the next hot stock or cryptocurrency.

FROM THE DESK

What should we do now? Stay disciplined with your investment strategy and avoid making emotional decisions based on short-term market movements. Focus on building your emergency fund, continuing regular contributions to diversified portfolios, and using any market volatility as an opportunity to buy quality assets at better prices. The key is maintaining a long-term perspective while others panic.