Helping startups to scale 🦄 ✦ Driving Halo Lab 7 → 8-figures ARR & having fun ✦ Founder with Design in ❤️

I run Design & Tech Agency helping brands become TOP 1%.

✦ $530 M raised + 9-figure exits by client startups 
✦ 500+ projects delivered
✦ 99+ international awards
✦ 4.9 / 5.0 average rating on Clutch from 80+ verified reviews

This is a real impact in numbers.

—

Over the past 15 yrs I’ve been shaping digital products and brands for category‑defining companies — from NOKIA and OPERA to high‑growth SaaS and Web3 start‑ups.

My core focus is design leadership at scale: I enter as a strategic partner, craft a vision, and lead multidisciplinary teams all the way from concept to launch.

—

I specialize in:

⤷  B2B SaaS Product Design | Guiding startups and enterprise spin‑ups from 0 to 1 — turning complex tech into intuitive, emotionally resonant experiences.

⤷  High‑Performance Digital Presence | Building conversion‑focused brand websites that turn first impressions into lasting growth.

—

Have BIG idea in mind?
Contact me directly: inquiry@halo-lab.com

Artem Borysenko

But bad UX silently kills revenue, retention, user trust.

How does it look in your product:

❌ Focus on action, not on the result for the user.
❌ Complex password requirements.
❌ Two fields for the email address.
❌ Unclear question & option. 
❌ Annoying captcha.

Why does this matter for founders?
Bad UX = friction.
Friction = drop-offs.
Drop-offs = lost revenue.

Investing in clarity, consistency, and simplicity is a growth lever.

✦ Before spending more on ads, check:

→ Can users complete your core flows in seconds without thinking?
→ Are you showing users what happens next at each step?
→ Is every element earning its place, or just adding noise?

At Halo Lab — Your Digital Partner, we’ve seen micro UX cleanups increase demo bookings, reduce support tickets, and boost LTV.
Because great products don’t just work, they feel effortless.

✦

Want a quick UX audit on your product?
Drop your URL below or DM me.
We’ll send you one actionable UX fix that could move your metrics this quarter.

♻️ Share this to help others build better products.
🔔 Follow Artem Borysenko for more updates!

Founder @ Halo Lab ✦ Design & Tech Agency Helping Brands Become TOP 1%

Bad UX examples

But bad UX silently kills revenue, retention, user trust.

How does it look in your product:

❌ Inconsistent UX writing.
❌Too much content, perceived as overload.
❌Linear progress bars aren’t mobile-friendly.
❌Overloaded layout that pulls attention away.
❌ Key details are hard to spot, and the offerings feel like a maze.

Why does this matter for founders?
Bad UX = friction.
Friction = drop-offs.
Drop-offs = lost revenue.

Investing in clarity, consistency, and simplicity is a growth lever.

✦ Before spending more on ads, check:

→ Can users complete your core flows in seconds without thinking?
→ Are you showing users what happens next at each step?
→ Is every element earning its place, or just adding noise?

At Halo Lab — Your Digital Partner, we’ve seen micro UX cleanups increase demo bookings, reduce support tickets, and boost LTV.
Because great products don’t just work, they feel effortless.

✦

Want a quick UX audit on your product?
Drop your URL below or DM me.
We’ll send you one actionable UX fix that could move your metrics this quarter.

♻️ Share this to help others build better products.
🔔 Follow Artem Borysenko for more updates!

Most companies still treat a design system as a visual asset.

In reality, it behaves more like infrastructure.

It's a one-time capital investment that reduces operating costs across every product, every release, and every team.

Here’s where the real financial return shows up:

1. Reduction of duplicated efforts across teams.

When teams reinvent or create their own designs for elements like spacing, colors, states, or micro-interactions, they incur the following new costs: a new desig, codebase, QA.

With a standardized token system, there is no longer any need for this cycle to occur. 

2. Component scalability across product portfolios.

A system built for a suite compounds value:
Build once → reuse for every new feature → reuse for every new product.
This is how product orgs cut delivery time by 20–40% without adding headcount.

3. Patterns decrease cognitive load and time spent deciding.

Standardizing onboarding, dashboards, permissions, navigation, or error states will eliminate debate about core design principles among teams. Instead, team members will spend more time identifying the activities that will result in increased KPIs.

4. The cost of change decreases dramatically.

With no design system: A rebrand, accessibility update, or micro-interaction change triggers weeks of redesign and recoding..

With a design system: Update the source → every product updates automatically.

✦

A strong design system improves:

- Time to market.
- Cross-platform trust.
- Developer throughput.
- Conversion and activation.

✦

Build your design system for the next three products you launch. 
You will begin seeing returns on your investment in the early years.

🔔 Follow Artem Borysenko for more updates!

Therapy of the future: how we helped ensure a better patient experience by updating the design of the myReha digital platform.

myReha, created by nyra health, is a digital neurotherapy platform that helps stroke survivors and patients with neurological conditions continue recovery.

When the nyra health team, led by Mario Zusag, reached out, they had a clear goal: make the platform more consistent, intuitive, and scalable without disrupting what patients already loved.

The challenge?
Functionality was not consistent across devices, resulting in multiple users experiencing friction accessing the platform and seeking simplicity and reassurance.

So, we focused on what truly matters in healthcare design: clarity, confidence, and care.

1. We unified card designs for consistency.
2. Clarified CTAs for premium upgrades.
3. Improved streak and progress screens.
4. Optimized dashboards and navigation for clinicians and patients alike.

The Halo Lab — Your Digital Partner team fine-tuned the system to ensure it could scale fast and support nyra health’s insurance readiness and market expansion while staying deeply patient-centered.

Huge thanks to the nyra health team for trusting us with such meaningful work.

✦

If you’re building a product that redefines how patients heal, we’d love to help bring your vision to life.

🔔 Follow Artem Borysenko for more updates!

Case Study

That’s the moment most brands lose people.

In that split second when something just feels off.

You’ve felt it too.
Website that looks polished but somehow doesn’t feel real.
The words are there.
The design is fine.
But it doesn’t connect.

That’s a trust gap.
In those first few seconds, visitors are quietly asking:
→ “Is this for people like me?”
→ “Do they actually understand my problem?”
→ “Can I explore without being sold to?”

If your homepage doesn’t answer those fast, even a great product starts to feel risky.

The fix isn’t louder headlines or flashier visuals.

It’s smaller, more human details:
1. Clear language that sounds like something you’d actually say.
2. Honest proof that real people built this, not a faceless company.
3. Calm, confident design that gives users room to breathe.

Trust doesn’t start with “we’re the best.”
It starts with “we get you.”

♻️ Share this to help others build trust with customers.
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Homepage Psychology

You can hire a designer.

Or you can hire a design brain.

One gives you beautiful screens.
The other gives you a product that thinks.

When you hire a single designer, you get skills.
When you hire a team that works as one brain, you get experience that compounds.

At Halo Lab — Your Digital Partner, our teams don’t work in silos.
The UX researcher sees what frustrates users.
The product designer connects it to business goals.
The UI designer turns it into clarity and trust.
The developer translates it into something fast and functional.

Each person covers a blind spot the others can’t.
And together, they don’t just design, they solve.

That’s the difference between design as a task and design as a system.
Between a pretty interface and a product that scales, converts, and feels effortless to use.

When founders realize this, everything changes:

1. They stop hiring portfolios.
2. They start hiring thinking systems - teams that anticipate problems before they appear, align design with ROI, and build products that last.

If you’re scaling your product, don’t just hire a designer.
Hire a brain that’s trained to think like your users and build like your business depends on it.

🔔 Follow Artem Borysenko for more updates!

I audit real websites. I show what’s broken.

I explain why it doesn’t work.
And I give fixes you can apply today.

These are to help YOU avoid the same mistakes.
Every carousel = free consulting.
If you take the time to apply the lessons, your site will convert better.
Guaranteed.

In each post, you'll find:
✅ Conversion blockers you might not see.
✅ Layout tweaks that improve clarity.
✅ Real examples of what not to do.
✅ UX advice backed by data and practice.

✦

New audit just dropped.
Go through the carousel.
Steal what works.
Fix what doesn’t.

And if you want your site reviewed next:
Comment “ROAST ME” below.

Let’s build stuff that sells. Not just looks good.

♻️ Share this to help others design better webpages.
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Website roasting

Helping people move better shouldn’t feel complicated. 

That’s what makes Rytmo such a powerful idea.

When the Rytmo team first shared their vision, it was inspiring.

They were building 

- A way for people recovering from injury or training with a specialist to feel guided, not overwhelmed.

- A way for coaches and physiotherapists to finally track movement in a way that feels intuitive.

- A way for patients to feel progress, not pressure.

Our role at Halo Lab — Your Digital Partner was simple in intention but meaningful in impact:

1. Turn complex motion-tracking technology into a visual language anyone can understand.

2. Design an interface that supports both ends (the patient and the specialist ) without friction.

3. Create a unified UX that reinforces trust, motivation, and confidence with every action.

We redesigned flows so users never feel lost.
We shaped progress screens that celebrate even small wins.
We built a design system flexible enough to scale as Rytmo grows without ever losing its gentle, supportive core.

Huge thanks to the entire Rytmo team for trusting us with something this important.

Your commitment to building a better experience for patients and specialists is real, rare, and deeply needed in the industry.

✦

If you're building something meaningful in healthtech - a product that helps people feel safer, stronger, healthier - we’d love to collaborate.
Let’s create the next story together.

♻️ Share this to inspire others.
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Most founders think onboarding is just a checklist.

A few tooltips, a welcome email, maybe a product tour.

Big mistake.

First 7 days don't only determine retention, they forecast lifetime value.

The best products don't "teach" features. They create habits.

Here is what distinguishes your high-LTV onboarding from the rest.

1. Show value quickly.
Don't explain — show. 
Get your users to the "aha" moment in minutes, not days. 

2. Guide behavior, not swipes. 
Organize onboarding around your user's journey, not your feature tree. 
Day 1: Solve a problem. 
Day 2: Build context. 
Day 3+: Reinforce success and add proof.

3. Make it personal. 
A marketer ≠ an engineer ≠ a founder. 
Ask one smart question, customize the flow, and you can expect 25-50% higher activation.

4. Build habit loops. 
Cue → Simple action → Instant reward. 
“Don’t lose your progress” is always better than “Complete your profile.”

4. Measure what matters. 
Forget “onboarding completed.” 
Measure: 
• Time to first value.
• % of users hitting core action Day 1.
• Retention at Day 3 and 7.

Onboarding is not your tutorial. 
It’s behavioral design. 
And as soon as you start to treat it that way, your retention will improve, as will your revenue.

♻️ Share this if it resonates.
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Good interfaces are built for humans with roles, moods, habits.

And most “design rules” don’t cover that part.

Here are the non-obvious principles we now swear by:

1. Design for roles.

An operator, manager, and analyst can see “the same tool” but they are living three different narratives.

2. Tell a story.

Good UI behaves like a scene in a movie: each frame indicates, “Here’s what happens next.”

3. Simplicity isn’t minimalism.

It’s knowing what to conceal. A complex system should feel simple, even if it is not.

4. One action per screen.

Every screen should answer one question. The moment users have to pause, you’ve lost the moment.

5. Adapt, don’t copy.

There is no “best practice” for everybody.
A healthtech dashboard and a crypto wallet shouldn’t look/feel the same, and that’s a feature not a flaw.

6. Accessibility is a growth strategy.

It’s how you earn trust and give access to the people your competitors are forgetting.

The best interfaces don’t impress. They disappear.
You’re not noticing them because they are busy making you feel capable.

What was the last interface you loved using is, and why?

♻️ Share if you agree.
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I have looked through hundreds of product interfaces.

And most trust issues come from invisible details that are saying, "We did not care enough."

1. Text locked in images.
It seems nice... until you realize:
Google can't read it.
Screen readers aren't being able to get through it.
It is going to break on mobile.

✅ Fix: Always use proper, responsive HTML text overlaid on visuals. That communicates quality and care.

2. Stock photos with zero context.
If your visuals could go on any website, they shouldn't be on yours. 
People simply don't connect with "perfect smiles" and "handshakes in glass offices."
User's even notice when an image doesn't match what they are viewing.

✅ Fix: Use visuals with your product, actual people or even simple, authentic brand illustrations. Authenticity scales better than aesthetics.

3. Inconsistent spacing.
Uneven padding. A headline that is floating. Tight corners next to wide gaps. Users may never name the issue, but they feel it.
That feeling? Uncertainty. And uncertainty is lethal when it comes to conversion.

✅ Fix: Use a modular grid and consistent spacing system. Regular rhythm = subconscious trust.

What’s the smallest design detail that instantly makes you lose trust in a product?

🔔 Follow Artem Borysenkofor more updates!

Guess which of our projects gained more views?

Drop A, B, C, or D in the comments.

But don’t just guess. Consider:

🔹 What details stand out? 
🔹 Which design feels more refined? 
🔹 What makes one stronger than the other?

This isn’t just a fun test.
It’s how you train your creative judgment.
The more you analyze, the faster you recognize what works.

A, B, С, or D? Drop your guess below! Let’s level up together.

The best design

Most founders struggle to explain their product in 10 sec.

And that’s usually why people forget it.

Founders jump into features, tech, or long backstories.
But the products that stick are the ones described with immediate clarity.

After helping dozens of teams simplify their pitch and homepage messaging, here are 3 frameworks that consistently work:

1️⃣ The “Movie Trailer” Line.
Hit emotion + problem + solution in one shot.

Structure:
“We help [audience] solve [problem] through [unique solution].”

Example:
 “We help remote teams brainstorm faster with an AI whiteboard that auto-organizes ideas.”

This gives people the whole story instantly.

2️⃣ The “Six-Second Test”. If you can answer these in one tight sentence, you’re done:
• Who it’s for.
• What it does.
• Why it’s different.
• What problem it solves.
• What outcome it creates.

Example:
 “For busy parents, our app plans healthy meals automatically — saving hours and reducing food waste.”

3️⃣ The “Anchor to the Familiar.”
When something is new, you need a shortcut.

Structure:
 “It’s like [familiar thing], but for [your context].”

Example:
 “It’s like Airbnb, but for campers.”
It reduces cognitive load and accelerates understanding.

If someone can’t repeat your product back to you after 10 seconds, you don’t have a messaging problem, you have a clarity problem.

What’s your 10-second product explanation?

♻️ Share if this helped.
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What founders actually need from a design partner.

Across many startup projects, one pattern is clear:

Founders don’t need resources.
They need a partner with a product mindset.
That team will give you clarity, speed, and traction.
Let’s look at the difference.

1. Designers make wireframes.
Product thinkers define outcomes.

2. Designers ship features.
Product thinkers shape systems.

3. Designers follow tasks.
Product thinkers challenge assumptions.

4. Designers deliver visuals.
Product thinkers deliver clarity.

5. Designers optimize screens.
Product thinkers optimize revenue.

A design partner shouldn’t just make your product look good.
They should make your business stronger.
Because the right partner doesn’t just design interfaces,
they help you think, operate, and grow like a product company.

✦

If you’re scaling and you need a dedicated team that thinks like your co-founder, not your vendor, let’s talk.

♻️ Share if it resonates.
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Last week, I tried to book a demo of a new tool.

Those 20 seconds told me everything.

Product UX failed here.
I scrolled twice. 
Clicked the wrong button. 
Didn’t find clues.
And gave up.

Review your product like a first-time user.

And try to fix UX issues.

1. Watch the heatmaps.
When a user pauses, backtracks, or clicks twice, that’s a red flag.
Confusion shows up in body language before it shows in analytics.

2. Check forms first.
Long fields. Missing confirmations. Mobile layouts that break.
Forms kill more conversions than bad marketing ever will.

3. Scan for “dead weight.”
Buttons nobody clicks. Copy nobody reads. Features nobody touches.
If it doesn’t guide the user forward, it’s friction.

4. Run 10-minute heuristic checks.
Navigation, readability, error states, consistency.

These basics sound boring, but they fix 80% of user frustration.
You don’t need a 3-month research sprint to uncover UX flaws.
You need sharp eyes, real users in mind, and the discipline to ask:
“Where does this experience break trust?”

♻️ Share this to help others avoid UX issues.
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 How to find UX problems

“$5K for a full app” should set off alarm bells.

I’ve seen founders get burned by quotes that sound too good to be true.

And here’s the reality: they usually are.

A credible app budget runs anywhere from $50K–$250K+, depending on scope and complexity. 

At $5K, what you’re really buying is a prototype, a landing MVP, or a template, not a production-grade product.

The hidden costs show up later:

✦ No discovery → scope creep and endless change requests.
✦ No QA → your users become the testers.
✦ No maintenance plan → apps break as OS versions and APIs update.
✦ No IP clarity → some “cheap shops” keep the repo keys, locking you in.
✦ No security → exposing you to compliance fines or breaches (the average costs $4.9M globally).

So what does a serious proposal include?

1. Discovery: user flows, integrations, edge cases.
2. Delivery plan: milestones, QA, release strategy.
3. Security & compliance baked in.
4. Ongoing ops & maintenance plan.

🚩 If a vendor quotes $5K for the whole thing, don’t think “deal.” 
Think “demo.”
The real bill will come later, in rewrites, downtime, or lost trust.

The smarter play: if budget is tight, scope a small, clear MVP with defined limits and a real path to production. 

That way, your “cheap” start doesn’t become an expensive rewrite.

♻️ Share it resonates
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The plan is clear, the prototype is exciting.

But there’s a quiet signal that something is wrong.

Because the MVP shape is wrong.
Too frequently, MVPs wind up created as demos.
They’re polished enough to show, broad enough to dazzle users, and thin enough that they can’t generate persistent, repeatable value.

Here’s the shift that will actually move the meter: An MVP is not the smallest version of your product. It is the smallest engine of recurring value.

That distinction forces you to ask:

1. What is the one capability users must succeed at?
2. What must be there so the system works without us holding it together manually?
3. What closes the feedback loop, not just opens it?

When you design an MVP from that perspective, you start developing outcomes:

✔ Clarity on measurable value.
✔ One solution for users with or without you.
✔ One core workflow that gains repetitive usage.
✔ Just enough automation to avoid operational drag.
✔ One feedback loop where you learn every time - how to scale.

This is how products gain traction early.
Build the smallest version of your value engine.
That’s the MVP you actually need.

♻️ Share this to help others create MVPs.
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The MVP You Actually Need

“How much does a website cost?”

Everyone loves the safe answer: “It depends.”

But that doesn’t help when you’re budgeting, forecasting, or explaining ROI to your board.

So here’s a straightforward breakdown.

1️⃣ Landing Page.
$1,000–$5,000
A single, conversion-driven page. Perfect for launches or campaigns.
Simple structure but every word, interaction, and visual must earn its place.

2️⃣ Small Business Website.
$5,000–$15,000
Usually 4–6 pages: Home, Services, About, Contact, and maybe a Blog.
You get custom branding, clean UI, and a structure that builds trust fast.

3️⃣ eCommerce Website.
$25,000–$100,000
Product listings, filters, navigation logic, checkout systems, mobile optimization.
At this tier, UX becomes critical because every friction point = abandoned carts.

4️⃣ SaaS Marketing Website.
$75,000–$300,000
Your website becomes part of the product experience.
It must tell your story, guide users to demos, handle content, and match your product’s design language.

5️⃣ Enterprise Website.
$20,000–$100,000+
Think of it as a digital ecosystem:
Dozens of templates, multilingual support, role-based navigation, integrations, governance rules.

The real question isn’t the price.
A website is your 24/7 sales team.
If it doesn’t convert, educate, or build trust, the real cost is the revenue you’re not capturing.

So instead of asking: “How much does a website cost?”
Ask: “How much is a weak website costing me every month?”

♻️ Share if this helps someone price smarter.
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The hardest thing about building an AI product is getting people to trust what it does.

You can create a great model all you want, but as soon as users feel the slightest bit of uncertainty, they are going to ponder, hesitate, and leave.

When founders build trust into the product experience, three things happen fast.

1. Users stop second-guessing and start exploring. First session activation goes up because they understand the what and whys.

2. Every click of trust compounds itself into usage, retention, and upsell. Without trust, the best AI feature will remain unused.

3. You do not have to wait for product market fit to learn how users actually feel. Trust patterns can save you weeks of guessing, and reduce the launch chaos.

4. Transparent UX with design-based trust cuts confusion before it even reaches support. No more "I am left wondering why it said that?" tickets or bad reviews for hallucinations.

Most AI products are built for power. 
The real winners are built for confidence.

✦

At Halo Lab — Your Digital Partner, we help founders design AI products users trust enough to actually use and pay for.
If that’s the stage you’re at, let’s chat.

♻️ Share this to help others build AI products.
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Design Patterns For AI Interfaces

Every product fosters feelings.

Slack develops curiosity (you check threads). 
LinkedIn develops affirmation (you observe reactions). 
Airbnb develops trust (you reside within somebody else's space). 
Uber develops control (you follow the car, the route, the pricing).

The emotional loop your product supports, becomes the habit that makes users return - or leave.

And here is where many teams miss.
Your design doesn't just support feelings. It influences them.

✦

For every engagement, a micro-feeling is triggered - frustration, relief, pride, fear. 
These micro-feelings accumulate into a memory. 
Then memory drives retention.

Behavioral design studies confirmed that:

✦ Positive feelings (clarity, control, competence) are proven to increase engagement by 30-40%.

✦ Unresolved frustration (human error, waiting, loss of context) is the leading cause of churn within SaaS and consumer apps.

So when your UX creates anxiety (loading uncertainty, unclear steps, overwhelming dashboards) - the user has accomplished their task, but subconsciously will avoid returning.

Ways to audit emotional design in your product.

1. Avatar: the emotion you want your users to feel. (Do you want them caring, empowered, energized, etc.?) 

2. Map the emotion to each interaction. For every step: "What is this moment teaching?" 

3. Test the users' reactions, not just the usability. Record facial expressions or tone, or even keywords in a survey, after each interaction. 

4. Design feedback loop(s)- use motion, microcopy, timing, etc. to bake in positive emotions in the experience.

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MAD Partnership

Public equity research and portfolio management
www.madpartnership.com

Portfolio Manager

Coach, educator, speaker

I teach topics on personal finance, money and investing.

Educator

Investor

- Fundamental investing focused on growth companies.
- Private equity in real estate.

Analyst & Capital Allocator

Koch Industries, Koch Fertilizer Asia

Asia Business Development Manager (Corporate Finance)

EFG Asset Management

Portfolio Management Intern

Government of Singapore Investment Corporation (GIC)

Performance & Risk Analysis Intern

Vendmax Vending Machines

Proprietor

Republic of Singapore Air Force

Flight Test Engineer

Officer-in-charge

Growing meaningful wealth for working professionals ✪ Portfolio Manager at MAD Partnership ✪ Educator

As an investor, I’ve spent the last 20 years learning and applying the methods of the world’s top investors like Warren Buffet, Charlie Munger, and Peter Lynch.

These methods have allowed me to outperform the market.

Performance: 
▶ 2025 YTD (as of 31 Aug): +46.6%
▶ 2024: +36.7%

(Past performance is not indicative of future performance.)

Hi, I'm the Founder and Portfolio Manager of MAD Partnership, where MAD stands for Make A Difference.

We help grow their wealth through investing in the stock market. Our clients include retail investors, high-net-worth investors, and corporations. We are also able to invest SRS monies.

Our mission is to make a difference for our clients by growing their wealth so they and their families can have a brighter financial future.

For some, this future includes retiring early, sending their children to elite schools and affording a dream home.

For others, it involves traveling the world and spending more time with loved ones.

We invest in high-quality companies that are growing and creating wealth for their shareholders.

At the same time, we adopt prudent risk management to protect our portfolios from large declines.

𝟮 𝘄𝗮𝘆𝘀 𝘄𝗲 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽:

1. To learn how we help investors grow their wealth, visit our website and join our free weekly newsletter:

→ Website: https://www.madpartnership.com
→ Newsletter: https://www.madpartnership.com/resources

Schedule an appointment through this form: https://www.madpartnership.com/contactus

2. To explore how we can provide education to your team of working professionals on money, finance and investing, drop me a message.

(Disclaimer & PDPA: https://www.madpartnership.com/disclaimer)

Cedric Ho

Dollar-Cost Averaging (DCA) advice is mostly rubbish.
 
When I started investing, I learned this the hard way — losing a 5-figure sum from DCA.
 
Here’s why DCA can do more harm than good:
 
The textbook idea says: when prices drop, you should happily add more at a “cheaper” price.
 
But it’s not that simple.
 
Too many investors get fixated 𝐨𝐧 𝐥𝐨𝐰𝐞𝐫𝐢𝐧𝐠 𝐭𝐡𝐞𝐢𝐫 𝐚𝐯𝐞𝐫𝐚𝐠𝐞 𝐜𝐨𝐬𝐭. That’s just 𝐩𝐫𝐢𝐜𝐞 𝐚𝐧𝐜𝐡𝐨𝐫𝐢𝐧𝐠 and the 𝐬𝐮𝐧𝐤 𝐜𝐨𝐬𝐭 𝐟𝐚𝐥𝐥𝐚𝐜𝐲 at work.
 
Instead, flip the question around:
 👉 If you had no position today, would you 𝑠𝑡𝑖𝑙𝑙 want to buy this stock?
 
That’s the only question that matters.
 
Here’s how I think about falling prices:

𝟏.𝐅𝐢𝐠𝐮𝐫𝐞 𝐨𝐮𝐭 𝐰𝐡𝐲.
 Is it a real deterioration in fundamentals, or just broad market fear? I update my valuation model.
 

𝟐.𝐀𝐜𝐭 𝐚𝐜𝐜𝐨𝐫𝐝𝐢𝐧𝐠𝐥𝐲.
•If fundamentals are intact, the drop mabe a gift.
•If fundamentals have worsened, it’s time to trim—or exit.
 
Every buy decision should stand on its own merits.
 
Buying just because it’s “cheaper than before” is not investing. It’s wishful thinking.
DCA is great if you don’t know what you’re doing.
 
—
Want to explore how we help investors compound wealth by managing price movements effectively? DM me to find out more.
 
- 2025 Sep YTD: 54% return
- 2024: 37% return
(SRS money accepted)
 
More details about my investing in my profile Cedric Ho

Portfolio Manager ✪ Proven System to Grow Wealth ✪ Educator

Over 97% of Warren Buffett’s wealth came after he turned 65.
 
It was not because he became a much better investor.
 
He simply made use of the most powerful force in investing.
 
Compounding.
 
Over the past 60 years, Warren Buffet has helped his investors grow their wealth at a 𝐂𝐨𝐦𝐩𝐨𝐮𝐧𝐝𝐞𝐝 annual rate of 19.9%.
 
𝐂𝐨𝐦𝐩𝐨𝐮𝐧𝐝 𝐠𝐫𝐨𝐰𝐭𝐡 in investing occurs when your money earns returns, and those returns start earning returns too. 𝐎𝐯𝐞𝐫 𝐭𝐢𝐦𝐞, 𝐭𝐡𝐢𝐬 𝐜𝐫𝐞𝐚𝐭𝐞𝐬 𝐞𝐱𝐩𝐨𝐧𝐞𝐧𝐭𝐢𝐚𝐥 𝐠𝐫𝐨𝐰𝐭𝐡.
 
In contrast, 𝐥𝐢𝐧𝐞𝐚𝐫 𝐠𝐫𝐨𝐰𝐭𝐡 occurs when something increases by a fixed amount each year. A classic example is bonds, which provide a predictable return each year.
 
Had Buffet’s return been linear (i.e. 19.9% linear growth over 60 years), his investment value would have increased 𝐚𝐛𝐨𝐮𝐭 𝟏𝟐 𝐭𝐢𝐦𝐞𝐬 (19.9% × 60 years).
 
But because the returns were compounded, Berkshire’s value increased over 𝟓𝟑,𝟎𝟎𝟎 𝐭𝐢𝐦𝐞𝐬! (1.19960)
 
In other words, compounding ensured that $𝟏,𝟎𝟎𝟎 𝐢𝐧𝐯𝐞𝐬𝐭𝐞𝐝 𝐢𝐧 𝐁𝐮𝐟𝐟𝐞𝐭’𝐬 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 𝟔𝟎 𝐲𝐞𝐚𝐫𝐬 𝐚𝐠𝐨 𝐰𝐨𝐮𝐥𝐝 𝐛𝐞 𝐰𝐨𝐫𝐭𝐡 𝐨𝐯𝐞𝐫 $𝟓𝟑 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 𝐭𝐨𝐝𝐚𝐲.
 
The lesson for investors?
 

𝟏.𝐂𝐡𝐨𝐨𝐬𝐞 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬 𝐭𝐡𝐚𝐭 𝐜𝐨𝐦𝐩𝐨𝐮𝐧𝐝.
Over time, compounding generates far superior returns compared to linear growth assets. Choose equities over bonds.
 

𝟐.𝐒𝐭𝐚𝐫𝐭 𝐞𝐚𝐫𝐥𝐲 𝐚𝐧𝐝 𝐡𝐚𝐯𝐞 𝐩𝐚𝐭𝐢𝐞𝐧𝐜𝐞.
In the early years, compounding feels slow — almost linear. But as time passes, the effect snowballs. The longer you stay invested, the more compounding accelerates your wealth.
 
I hope this nugget was useful to you!

—
Want to explore how we help investors compound wealth by investing in great companies? DM me to find out more.
 
- 2025 Sep YTD: 𝟓𝟒% return
- 2024: 𝟑𝟕% return
(SRS money accepted)
 
More details about my investing in my profile Cedric Ho

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Ever wondered why you lose money buying great companies?
 
Because a 𝐠𝐨𝐨𝐝 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 and a 𝐠𝐨𝐨𝐝 𝐬𝐭𝐨𝐜𝐤 aren’t always the same thing.
 
A good company has:
•Strong growth and profitability
•A durable competitive advantage
•Great management and vision
 
But here’s the catch: if you pay too high a price, you may still lose money.
 
A good stock, on the other hand, is a company trading at an attractive price. One where the market hasn’t fully priced in its true value.
 
👉 The distinction matters.
•You can lose buying a great company at the wrong price.
•You can win buying an average company at the right price.
 
At the end of the day, anyone can recognize a good company. But only those who spot good stocks build consistently profitable portfolios. That’s the real edge.
 
—
Want to explore how we help investors compound wealth by investing in great companies that are also great stocks? DM me to find out more.
 
- 2025 Sep YTD: 54% return
- 2024: 37% return
(SRS money accepted)
 
More details about my investing in my profile Cedric Ho

I realized the biggest enemy to my portfolio wasn’t bad stock picks or a bad market. It was emotional thinking.
 
You’ve probably heard the voice:
 • “It’s down 30% — must be cheap.”
 • “Everyone’s buying… don’t miss out.”
 • “I’ve lost too much to sell now.”
 
That’s emotion, not analysis.
And it’s where most mistakes come from.
 
Swipe → for the difference between emotional and rational investing.
 
—
Want to explore how we help investors compound wealth through rational thinking? DM me to find out more.
- 2025 Oct YTD: 46% return
- 2024: 37% return
(SRS money accepted)
 
More details about my investing in my profile Cedric Ho

Emotional vs rational thinking

You can learn more about investing from 𝐞𝐧𝐠𝐢𝐧𝐞𝐞𝐫𝐢𝐧𝐠, 𝐥𝐚𝐰, 𝐨𝐫 𝐦𝐞𝐝𝐢𝐜𝐢𝐧𝐞 than from finance textbooks.
 
Charlie Munger called it a “latticework of mental models.”
Borrowing lessons from different disciplines makes us better investors.
 
From 𝐞𝐧𝐠𝐢𝐧𝐞𝐞𝐫𝐢𝐧𝐠:
No structure is built without a margin of safety.
In investing, valuation needs the same cushion—because things rarely go as planned.
 
From 𝐥𝐚𝐰:
Judges act only when evidence meets the burden of proof.
Investors should do the same—only buy when the case is strong.
 
From 𝐦𝐞𝐝𝐢𝐜𝐢𝐧𝐞:
Doctors diagnose before prescribing.
Investors must understand before they act.
 
From 𝐠𝐚𝐦𝐞 𝐭𝐡𝐞𝐨𝐫𝐲:
The prisoner’s dilemma shows how incentives drive behavior.
Management teams are no different—watch what they do, not what they say.
 
The best investors don’t just study finance.
They pull wisdom from everywhere.
 
What lesson outside of finance has shaped the way you invest (or work)?

—
Want to explore how we help investors compound wealth? DM me to find out more.

- 2025 Nov YTD: 41% return
- 2024: 37% return
(SRS money accepted)
 
More details about my investing in my profile Cedric Ho

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