It Started With A K.I.S.S.

In the year 1982, the band Hot Chocolate churned out a hit called “It started with a kiss”. The number hit the top ten. Whenever this song played during the span of the 80s, entire dance floors used to get the hint.

Well, unfortunately, the K.I.S.S. we speak about is a little different.

Ours is a formula.

Expanded, our formula stands for “Keep It Simple (Stupid)”.

Nevertheless, for us too, it all starts with the formula of K.I.S.S.

In the world of finance, we apply this formula everywhere. We don’t leave home without it. Anything that doesn’t conform to our formula is booted out of our lives.

For example, how diversified are you?

Are you so diversified, that you don’t know where which investment of yours is? That’s like way, way off our formula trajectory. Please lessen your level of diversification, such that you have all your investments on your fingertips.

Or, is your prospective investment product’s math complicated enough for you, such that you are not understanding the product fully? Leave the product alone. Again, it does not lie on the trajectory of our formula.

Then, is some investment officer talking razzle-dazzle lingo, trying to psyche and bulldoze you into an investment? Please show him or her the door. You got it. Eliminated by our formula.

Is some promoter’s lifestyle very sophisticated and complicated? Think twice before buying into his or her company, because the sophistication with all its complications is (with very high probability) being financed by company money, at the cost of all shareholders.

How many financial advisors have you got? Why do you even need financial advisors, when everything is available to you on the Internet? Is a financial advisor going to share the pain of your investment loss? Of course not. You are going to bear that pain fully. Therefore, once you yourself get going, the quality of investments you decide upon for yourself are going to be better than those selected by an investment advisor. You know yourself better than an investment advisor does. He or she doesn’t possess the power to understand and define you better than you do yourself. So, simple, do it yourself. Since any resulting pain is yours, you’ll try to avoid all pain, at any cost, and after a few hits, you’ll eventually start doing it well. You won’t sink, you’ll swim, believe me. Once you get the hang of it, staying above water can be simple. There’s nothing complicated about it.

I mean, we can go on here. Yeah, like we can go on here…, but I’m gonna stop, because I think you’ve got the message.

On that note, cheers, and here’s looking forward to keeping it simple…and not stupid.


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