My investing framework for 2026
Two anchors — active income, and a tight circle of competence.
Every January I write down two or three things that are non-negotiable for the year. Here's the investing version for 2026.
1. Active income is the engine, not the portfolio
The portfolio grows because you keep feeding it. At my stage of life that's the rule. I'm twenty-three. Compounding is real but it's a back-end loaded game — at my account size, an extra ฿20,000 of monthly contribution outruns most of the alpha I could squeeze from clever picks.
So the priority is:
- Be excellent at the day job.
- Build a second income line that doesn't take over my evenings.
- Push the savings rate as high as it goes without making life joyless.
Everything else is downstream of that.
2. Stay inside the circle of competence
My circle is small and specific: new-economy tech, software, and the platforms I actually use every day. That's where I have the smallest edge over the median market participant — but the smallest is still bigger than zero, which is what I'd have in pharma or commodities.
The temptation every year is to widen the circle. I won't. If I can't explain a business's unit economics to a friend over coffee, I don't own it.
That's the whole framework. Two rules. Everything else — position sizing, when to add, what to do when something doubles — gets decided as it happens.