Yorrin van der Graaf

Writer & Investor. I write FluentInQuality for 2.479+ ambitious investors compounding and investing on their own terms.

[Yorrin van der Graaf @FluentInQuality]

Ok i’ve been rereading @naval this week and honestly half of his stuff is better investing advice than most investing books

so here are 15 lessons from naval that every investor should hear. some of these hurt a little 🧵

[Yorrin van der Graaf @FluentInQuality]

@IndexAndForget Very lucky. Specially knowing I was considering downgrading my insurance to basic, instead of all-risk. 😂

[Yorrin van der Graaf @FluentInQuality]

Yesterday I came home, and water was coming out of the ceilings in all rooms of my apartment.

Estimated damages? €50.000/€70.000.

I'm grateful I am all-risk insured for everything inside and outside my house.

A significant headache, but fully covered for storm damage.

[Yorrin van der Graaf @FluentInQuality]

@TekoMmolawa Thank you, brother! Insurance usually takes its sweet time, but it's a blessing that it's all covered.

[Yorrin van der Graaf @FluentInQuality]

@ariaradnia Unsecured bonds* with 15% coupon. Yeah, I would be a bit fearful on that as well 👀

[Yorrin van der Graaf @FluentInQuality]

You only need to be right 20% of the time.

Size accordingly.

[Yorrin van der Graaf @FluentInQuality]

We need more management like this.

Accountability isn't for the weak.

$ROL

[Quality Stocks | GARP Investment Research @Quality_stocksA]

Rollins $ROL Q3 26 management comments 👇

This is the kind of thing you want to read in a difficult situation: there are not trying to hide the difficulties...

Results were slightly under expectations but organic growth was still above 4%

[Yorrin van der Graaf @FluentInQuality]

@Investiri Thank you!

[Yorrin van der Graaf @FluentInQuality]

Common biases:

[Yorrin van der Graaf @FluentInQuality]

Overconfidence and recency bias were my biggest long-term risks to my portfolio, tbh.

[Yorrin van der Graaf @FluentInQuality]

I remember calling out $NVO at $60, saying the bottom was near and the business would turn around.

Oh boy, I was soooo wrong. That's on me :)

I'm sure anchoring bias was at play here, and look where it brought me. Another good reason to not blindly follow anyone here.

[Yorrin van der Graaf @FluentInQuality]

Tell me you have AdBlocker without telling me you have AdBlocker.

$GOOGL

[Sakshi Sugandhi @SakshiSugandhi]

ok dumb question...

YouTube is free.

but who's paying to store billions of hours of videos forever?

the storage bill must be insane.

[Yorrin van der Graaf @FluentInQuality]

@slava_invests How about do spend it and invest on the side?

Live a little. Enjoy what live has to offer.

[Yorrin van der Graaf @FluentInQuality]

@BRuss008 Thanks for your input. I appreciate it. 💪🏻

[Yorrin van der Graaf @FluentInQuality]

Genuine question here

$CSU is in the VMS. However, this pool is finite. At some point, they would need to go into HMS, right? As Constellation grows, it must do more and bigger deals, and to do them, it increasingly moves into larger, more contested, and less moat-protected territory.

What would the future of $CSU look like then? Can it still be the ''compounder'' it is today?

[Yorrin van der Graaf @FluentInQuality]

There's a difference between giving AI your own draft to make it clearer, tighter and more consistent, and just typing "write me xyz."

If management wrote the outline and had AI polish it, I don't mind. The problem is when nobody thinks it through and they just read out whatever the AI hands them.

[From Growth To Value @FromValue]

Sometimes, I check prepared remarks on calls with AI detection programs.

You'd be surprised how much is AI-produced...

[Yorrin van der Graaf @FluentInQuality]

Banger video by @ariaradnia 👏🏻

[Aria Radnia 🇮🇷 @ariaradnia]

SpaceX earnings were actually... good?!

Full thoughts below

$SPCX

[Yorrin van der Graaf @FluentInQuality]

$NFLX biggest risk is YouTube $GOOGL.

I honestly think these two can run a peaceful duopoly over streaming and long-form content.

There will always be a loyal following for Netflix with their specials, and the same for YouTube with their specials and creators.

[Yorrin van der Graaf @FluentInQuality]

This micro-cap is going to shake-up the entire market.

No analysts coverage, strong earnings growth, competent management, and playing into a extremely potent secular trend.

You can read it via the link in my bio. 🔗

[Yorrin van der Graaf @FluentInQuality]

“Q3 churn, both globally and in the United States, improved year-on-year. It is better than forecast. It is already industry leading. The ultimate determinant of are we delivering that value is the reaction to price changes. Those recent price changes that we did, including in the United States, have gone well.”

And

“Netflix subscribers are paying the least per hour of viewing compared to other SVOD offerings in the country. In some cases, they would have to pay more than double per hour for a competitive service.”

Were said in the last earnings call of $NFLX. This should make you very, very bullish.

Just saying.

[Yorrin van der Graaf @FluentInQuality]

Key drivers of long-term stock performance:

[Yorrin van der Graaf @FluentInQuality]

What's a hidden gem that's not discussed enough here?

Drop the ticker