Model investment products · Educational

Every score here can be taken apart.

Most people show you what they picked. This archive shows how the number was reached: the evidence, the threshold it met, and the rule written before the company was ever looked at. Every holding is re-scored and published each quarter.

How a score gets built

ASIAN PAINTS · Q3 2026

Five of the six Quality inputs come from the numbers and are graded against thresholds published in advance. Only the moat is a judgement, and it is marked as one.

Quality

4.33
Score 5
30.6%
Avg ROCE, 5 years
Score 5
23%
Avg ROE, 5 years
Score 4
18.4%
Avg operating margin
Score 3
−0.3pp
Margin trend
Score 5
0.93
Cash conversion
Score 4
4
Moat

A dashed outline marks a judgement I made rather than a figure the rules computed.

Score ramp 1 2 3 4 5 One hue, five steps. Green and red are reserved for performance figures, so a dark tile never reads as a gain.

How this works

THINKING / TRACKING / PROOF
Thinking

A fixed rulebook

Thresholds set before any company was researched, applied to every company identically. Banks get their own rulebook, because leverage is a lender’s business model rather than a warning sign.

Tracking

A live portfolio

Positions, returns and benchmark comparison are tracked publicly on Moneycontrol. Re-keying prices into a spreadsheet proves nothing, so I don’t.

Proof

A quarterly record

Every holding is re-scored and published each quarter, with the action taken and the reasoning. Each published score stores the rulebook that produced it and is never edited afterwards.

The governance gate. Five questions run before any score matters: promoter pledge, auditor changes, related party transactions, aggressive accounting, and numbers that look too good against peers. A single yes forces Risk to 1 and the verdict to PASS, whatever the other numbers say.

Two products

DIFFERENT JOBS
Nifty 100 TRI

Quality Compounders

Durable, high-return businesses held for the long run. Every holding carries a published score, a governance gate and three sell triggers. Low turnover, 8 to 12 holdings.

Open the product

Blended 60/20/20

Balanced Allocation

Equity, gold and cash-like instruments held to target bands. There are no company scores here, because an index ETF has no moat and no governance gate. It is judged on drift and discipline instead.

Open the product

Who is behind this

ABOUT

I am [YOUR NAME], a final-year [DEGREE] student at [UNIVERSITY]. I built this archive after discovering I could not reconstruct my own reasoning on a company six months after the fact. If I could not, nobody else stood a chance.

So the rules now get written before the companies, the evidence gets recorded rather than the conclusion, and everything is published dated and left alone. What I am demonstrating here is a process, not a track record.

More about me and how to get in touch

In short

Two products, one method

Quality Compounders holds durable businesses, each with a published score, a governance gate and three sell triggers.

Balanced Allocation holds ETFs, gold and cash-like instruments to fixed bands, and carries no scores at all, because an index fund has no moat to assess.

Both are reviewed and published every quarter.

Educational model portfolio. Not investment advice. No client money is managed.