Portfolio Audit For ELITE Academy Member Michael

"Hello Tom.

Excited about the new Portfolio Audit project—appreciate the opportunity for feedback. Here’s my portfolio.

Quick Notes:

ICZoom – It’s a Stock lesson learned . I got caught in a WhatsApp scam and thought it was legit. Luckily, it was a small amount, but I’m leaving it untouched as a reminder to be careful always. Study the company before become shareholder.

Palantir (PLTR) – Started small at $25, $30, $40, and $70 in small shares and before earning, 80% gain but went all-in after recent Qtrly earnings. Currently showing +21.81% gain.  Grateful to what I have though I wish started earlier

Microsoft (MSFT) – Held for 5 years, now at +179.23%. Initially, I wasn’t tracking it closely, but later realized it had more than doubled. Recently, I moved ¾ of my MSFT position into PLTR to maximize its potential.

I know my portfolio isn’t bad, but I’m also aware it needs more balance over time. Looking forward to your insights!

Best,

Michael"


EVERYBODY KNOWS THE RULES

❌ No stock picks.
❌ No “buy this, sell that” nonsense.
❌ No hand holding: just brutal truth on whether your portfolio is actually built to last.

If you can’t handle real feedback, this ain’t for you. But if you want to build real wealth and stop making rookie mistakes, this is where you fix your blind spots. Simple as that.


1. The Big Picture: What’s Happening in This Portfolio?

• Total Holdings: A mix of tech stocks, AI plays, and some exposure to Bitcoin and small caps.

• Biggest Winner: Microsoft (+179.23%), absolute powerhouse.

• Biggest Loser: ICZoom (-86.44%), classic scam trap, but at least it was small.

🚨 Allocation: Palantir is now 30% of your portfolio, and you went all-in after earnings. That’s dangerous. No matter how much you love a stock, going all in is a risky strategy.

2. Stock-by-Stock Breakdown: The Good, The Bad & The Risky

🔥 The Strong Picks: Your Wealth Builders

✅ Microsoft (MSFT) – 18 Shares (+179.23%)

• Massive winner, one of the safest long-term bets.

✅ Nvidia (NVDA) – 167 Shares (+2.83%)

• Fantastic long-term AI leader.

🤔 The Risky Moves: High Potential, But Volatile

⚠️ Palantir (PLTR) – 450 Shares (+21.81%)

• You went all-in after earnings? That’s a risky decision. I prefer to DCA slowly.

• The business is solid, but your position size is massive.

⚠️ SoundHound AI (SOUN) – 445 Shares (-33.12%)

• AI play, but highly speculative and not profitable.

• The market isn’t rewarding unprofitable AI yet, so tread carefully.

🚨 The Mistakes: Learn and Adapt

❌ ICZoom (IZM) – 4 Shares (-86.44%)

• Scam lesson learned. You got lucky it was a small position.

• Rule: If a stock is so obscure you’re learning about it from WhatsApp, run.

3. ETF & Bitcoin Exposure

✅ iShares Bitcoin Trust (IBIT) – 5 Shares

• Good diversification outside stocks.

• Rule: BTC should be 5% max of your portfolio for proper risk balance.

✅ iShares Russell 2000 (IWM) – 2 Shares

• Small cap exposure is smart.

• But just 2 shares? Not enough to move the needle.

4. The Problems You Need to Fix

🚨 Too Much Speculation (SOUN, IZM, PLTR All-In)

• You have high-risk names that are unproven long term.

5. What’s Next?

✅ DCA into strength, not hype.

• You’ve seen FOMO-driven investing doesn’t work.

• Keep building MSFT, NVDA, PLTR and maybe add some broad market ETFs.

✅ Think in decades, not months.

• Instead of swinging for home runs, focus on steady wealth compounding.

Final Verdict

Michael, you’re on the right path, but you need to control your risk better. If you rebalance and stop FOMO investing, you’ll win the long game.