Gaffney Consulting & Services, LLC

07/08/2026

📊 Joel Greenblatt’s Q2 2026 Portfolio: The Magic Formula in Action

What separates legendary investors from everyone else? Often, it's not predicting the future—it's following a disciplined strategy with patience and consistency.

This portfolio snapshot of Joel Greenblatt highlights a fascinating mix of broad market exposure, selective technology investments, and a large allocation spread across dozens of other holdings. While the biggest individual position is the SPDR S&P 500 ETF Trust (16.29%), the portfolio also includes well-known companies such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, Tesla, Snowflake, and Palantir. Together, these represent only a relatively small portion of the overall portfolio, while the "Others" category accounts for an impressive 67%, emphasizing diversification rather than concentration.

💡 Key takeaways from this portfolio:

✅ Diversification matters. Even experienced investors avoid relying on just a handful of stocks. A broad portfolio helps manage risk while still capturing opportunities.

✅ Quality businesses remain important. Many of the world's strongest technology companies appear in the portfolio, reflecting confidence in businesses with durable competitive advantages.

✅ ETFs play a major role. Significant allocations to S&P 500 and other ETFs show that even professional investors appreciate the value of low-cost, diversified market exposure.

✅ Value investing evolves. Joel Greenblatt's famous "Magic Formula" focuses on finding companies that combine strong profitability with attractive valuations. While markets change, disciplined investing principles remain timeless.

✅ Long-term thinking wins. Rather than chasing daily headlines or short-term market swings, successful investors focus on business fundamentals, valuation, and patience over many years.

For everyday investors, the biggest lesson isn't to copy someone else's portfolio. It's to understand why certain investments are chosen, build a strategy that fits your own goals, diversify appropriately, and stay consistent through changing market conditions.

Markets will always experience ups and downs, but disciplined investing, continuous learning, and a long-term mindset have historically been among the strongest drivers of wealth creation.

What stands out to you most in this portfolio? Would you prioritize broad market ETFs, individual technology leaders, or a different investment strategy altogether? Share your thoughts in the comments!



Disclaimer: This content is for educational and informational purposes only and should not be considered financial or investment advice. Always conduct your own research or consult a qualified financial advisor before making investment decisions.

06/29/2026

Most people work for money to buy liabilities.

10Xers make their money buy AIGs.

One takes money out of your pocket; the other puts it in.

The 10X Asset Mindset isn’t just about making more: it’s about choosing where your money goes so it can work for you.

Which one are you focused on today?

Comment 'AIG' to get our latest investment strategy guide.

06/09/2026

What is your Financial Freedom Score?

True financial freedom isn't a vague dream. It is a measurable number.

Your Financial Freedom Score is part of your passive income used to cover your monthly expenses. When your passive income covers 100% of your lifestyle, you are officially free. You no longer work because you have to, but because you want to.

Most people focus only on their bank balance, but 10X thinkers focus on the score. If your expenses are $5,000 and your passive income is $2,500, your Freedom Score is 50%. You are halfway to a legacy of total independence.

Knowing your number is the first step toward changing your reality. It provides clarity and a clear target for your wealth-building journey.

06/08/2026

💰 Most people know only one way to make money—working for it. In th...

06/08/2026

https://youtu.be/p5Ny8BS-38E?si=c12iE3pd3T6Lxf1V

💰 Most people know only one way to make money—working for it. In th...

06/02/2026

Investing doesn’t have to be complicated. Many beginners think they need dozens of stocks, complex strategies, or perfect timing. In reality, a lot of long-term investors build wealth with something much simpler: ETFs. An ETF lets you buy hundreds of companies in one single investment, giving you instant diversification. Instead of picking individual stocks, you can invest in entire markets like: • The S&P 500 (large U.S. companies) • The total stock market • International companies • Dividend-paying businesses This is why ETFs are often considered one of the simplest ways to start investing for the long term. But remember: Investing only works well when the foundation is strong first. Before investing, make sure you have: • Stable income • A clear spending plan • An emergency fund Once your foundation is solid, investing becomes calm, consistent, and long-term.

06/02/2026

Analyst price targets can be a useful tool, but they shouldn't be the only reason you buy a stock. These targets represent what Wall Street analysts believe a company could be worth based on future earnings, growth, and market conditions.

What stands out here is that many of these companies are tied to major trends like Al, cloud computing, semiconductors, and data center infrastructure. Names like NVIDIA, Microsoft, AMD, Oracle, and ASML continue to be at the center of those long-term growth stories.

Remember: price targets change over time, but great businesses creating real value tend to reward patient investors over the long run.

Follow Nikita Saini and grab my FREE Investing Guide for Beginners through the link in my bio.

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Disclaimer: This summary is for informational purposes only and should not be considered financial advice. Past performance of any of the mentioned stocks does in this post does not guarantee future results. Always consult with a financial advisor before making investment decisions.

06/02/2026

Sometimes I see things on social media along the lines of “$3 million is the magic number you need to retire early.” A statement like this makes NO sense!

There is no “magic number” to retire early, or at least not one that applies to everyone. How much YOU need to retire depends on how much YOU spend.

A lot of back of the envelope retirement calculations are based on the findings of the trinity study - a study that was conducted on retirement portfolios and how long they could last. The study concluded that withdrawing 4% of your portfolio, adjusted each year for inflation, would have a near certain chance of lasting you at least 30 years. This has since been revised to 4.7% by the creator, but 4% still works for a quick estimate. With proper planning, you can probably get away with less!

The reasons that it’s not 7-8%, the numbers we commonly use for equity returns, are:

1️⃣ When you retire, your portfolio should not be in all equities - it should have bonds in it. Bonds have lower returns, but are also not as volatile

2️⃣ While 7-8% is the real long term average return of the market, no specific period guarantees those returns. The trinity study took into account worst case scenarios like a downturn the day after you retire.

So with all that being said, these numbers are a good ROUGH estimate of what YOUR magic number is based on your desired monthly expenses in retirement.

As mentioned, this is based on trying to give you reasonable certainty on your portfolio lasting you 30 years. If you plan on retiring early, it would be prudent to use a safe-withdraw rate of