Welcome to The Intelligent Investor's Almanac
You now have access to the same value investing insights and strategies that have helped our clients build generational wealth for over 22 years.
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- Clear analysis of market opportunities and risks
- Value investing strategies proven over decades
- Alternative investment opportunities most people never hear about
- Strategies for building lasting family wealth
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A Personal Note From Ken Majmudar, CFA
When I founded Ridgewood Investments in 2002, I had already spent years on Wall Street working with Fortune 500 institutional clients. But my most valuable investing and financial lessons started much earlier, in a one-bedroom apartment in Jersey City where my immigrant parents taught me the importance of making wise money decisions.
Those early lessons, combined with my years studying successful investors like Warren Buffett, taught me something surprising: the biggest risks to your wealth often aren’t the ones making headlines.
Let me share three insights that have helped our clients navigate today’s complex market environment:
Value Must Drive Investment Decisions
Even a great business can be a poor investment if the price paid is too high. Value investing means having the discipline to invest only when the price makes sense. The long term return and assessing risk as a whole is the most important consideration that investors need to get right!
Risk Isn't What Most People Think
While many focus on market fluctuations, we define risk differently: as permanent loss of capital. This shift in perspective helps us spot opportunities where others see danger, particularly when short-term market volatility creates low prices for high quality businesses.
Think in Decades, Not Days
It’s a good idea to only invest in something if you are willing to hold it for 5-10 years or more. Investment success is built through compounding over long periods - not overnight. This is why we only invest in businesses we'd be happy to own even if the market shut down for a decade.
Over the coming weeks, I'll be sharing more insights about how we put these principles to work. Some of what you'll learn may challenge conventional wisdom, but that's often where the greatest opportunities lie.
Curious About Value Investing? Let's Talk.
Learn how we put value investing principles to work for our clients in a conversation with our team.
In this 45-minute discussion, we will:
- Go over your current investment approach and goals
- Explain how we identify and invest in quality businesses
- Reveal investment strategies used by top institutions
- Explore if value investing fits your wealth-building plans
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