Advisor Reflections

Over the past 10 weeks, I’ve witnessed this team’s incredible transformation. They started as

complete beginners but approached the Wharton Business Investment Competition with

determination and a genuine eagerness to learn. They utilized all available resources, supporting

and motivating each other at every step. Their commitment to understanding investment

fundamentals was clear through their spirited discussions, at the beginning.

What truly stands out is their ability to collaborate effectively, combining individual strengths

into a team effort. Beyond just the competition results, this experience has opened doors to the

world of investing, providing them with a solid foundation. It has also equipped them with

Trading Notes

➔ Stock on the approved list - INFY

Trade Note - “Leader in the IT sector in the Indian

markets, which is at a tremendous growth percentage.

The IT sector is a growing sector in this world of

technology and AI.”

Infosys has an annual revenue of $18.6 billion, and 180% stock growth over the last five years.

Based in India, the fastest-growing economy with a 7.6% GDP growth rate, it’s well-positioned

to thrive as the country rapidly develops. Currently the world’s fifth-largest economy, India is on

➔ ETF on the approved list - IJH

Trade Note - “We have built a large-cap

diversified stock portfolio. Thus, investing in a

mid-cap ETF for higher returns.”

The iShares Core S&P Mid-Cap ETF provides exposure to American mid-cap companies with

high growth potential. Most of our investments are in large-cap stocks, so we decided to invest in

this ETF to enhance earnings and diversify our portfolio. The ETF spans sectors like industrials,

consumer discretionary, and healthcare. IJH adds high, long term growth potential, balancing

large-cap investments.

The P/E ratio of the ETF is 17.3, and its growth rate over the last five years is 62%, making it a

strong addition to our investment strategy.

➔ Stock outside the approved list - BRK/B

Trade Note - “BRK is a leading investment firm

and bound to see high growth”

Berkshire Hathaway is the most revered

are some of the key ratios of the company- P/E: 9.25, ROE: 18.24%, ROCE: 7.8, Debt-Equity

Ratio: 0.19.

Portfolio At A Glance

Why our WInS Portfolio and

Recommended Portfolio for Ladi

are the same -

Market Mavericks’ recommended

portfolio for Ladi is the same as our

current investments, as it is

carefully structured for long-term

companies, which are established market leaders chosen after meticulous analysis. For stability

and high growth, we’ve included a mid-cap ETF, ensuring a well-diversified approach. Although

we anticipate short-term volatility due to market fluctuations, current affairs or company

rebalancing, our focus remains on the long-term horizon.

This approach ensures that Ladi benefits from long-term growth, achieving his desired financial

milestones while maintaining his interest and an effective balance between risk management and

return generation.

Investment and Decision-Making Process:

1. Client Analysis -

Through a detailed review of Oladipupo Ayoola’s social media activity, articles, and professional

background, we understand him as a driven, patriotic, community-focused individual with clear

financial priorities. As portfolio managers, we see Ladi as someone with a medium-risk appetite,

balancing personal stability, money-making and impactful investments. His entrepreneurial

ventures, like Plugtent, and his plans for Nigerian youth empowerment reflect a vision for

sustainable growth and social change. He values diversification, cultural connection, and

Managers' Index). Based on this, we identified the United States, India, and Taiwan as the most

suitable economies for our needs.

➔ The United States of America according to the factors gave the following numbers:

promotes economic growth.

➔ The Republic of India gave the following results:

developing economy, helping every class of the society to grow.

Further its large, skilled workforce, participation in Free Trade Agreements, developed

infrastructure, climate focused.

3. Sector Analysis -

We began by evaluating economies and then moved on to analyze various sectors within them.

These sectors are part of the 11-sector GICS (Global Industry Classification Standard)

framework. Our team conducted an in-depth analysis of each sector using Porter’s Five Forces

model, focusing on the following factors:

These factors enabled us to derive conclusions for the following sectors:

potential; however, it comes with significant risks stemming from intense competition.

competition introduce considerable risks. It is a money making sector, especially in the long run,

but long-term investors should carefully evaluate market dynamics before committing.

consumer sentiment, and intense competition makes it a high-risk, high-reward investment. The

environment of violence and war, and a recession looming around the corner, makes this sector

extremely loss bearing. While it has significant potential during economic booms, downturns

will affect profitability.

faces high competition and sensitivity to industrial growth. However, with the rise of

alternatives, its long-term growth potential is limited, making it less promising compare

option for conservative investors prioritizing reliability over high growth.

to achieve energy security, this sector will show immense growth.