Marathon stock portfolio

 If you have not read my marathon FOF then do so.

1. Create a programmatic way to fetch a list of stocks based on the following parameters
1. top 100 by their market cap
2. then top 21 (or 10 or 5, depending on the size & risk factor of your capital) by their ROCE from that list of 100
2. Run this program/script everyday.

If any brokerage houses like zerodha or groww offesr such an option where one can programmatically have a system like this without having to write a custom program/code, then I am pretty sure it might end the mutual fund industry.

Marathon FOF

 You might have wondered what mutual fund or stock should I invest in? What parameters should I use? which one should I trust? Trust no one but math. I suck at math so I have a simple formula which avoids FOMO, JOMO, gossip traps and every other pitfall.

1. 10yr SMMA CAGR should be the only parameter while choosing a MF. Sort all the MFs (If you know a website which does it) in a descending order of 10yr CAGR. So you are choosing something which is been there for at least 10 years. Select
   
1. one flexicap
2. one midcap
3. one smallcap
4. one gold etf
5. one silver etf
   and invest a minimal but equal amount into these once. Alternatively you can just choose ETFs if you are worried about the fund house or the fund itself not performing well in future. largecap ETF, midcap etf, smallcap etf (india examples:mon100, midcap150, smallcap250).
   
   
2. Every month or whenever you have money to invest, go to your portfolio, sort them based on their returns and invest that amount into the top 1 or 2 performers. Leave the other 3 bottom performers. If you are doing this routinely, then you will end up investing more into high performers and very less in low performers. So it is your own personal marathon within your portfolio. The top 2 runners get the cookie (investment). It is like SIP but instead of investing in a fixed instrument like stock or MF, you are investing in the top 1 or tope 2 performers.
3. One can actually have this as an FOF offering for public.

Lossless Bank or Socialist communist bank ?!

 Most banks go bust because they have bad debts, they have bad NPI - Non Performing Assets. What if there is a bank whose only job is to keep your money safe and do not lend? Like many banks in switzerland. People even pay interest to such banks instead of getting paid an interest for their own money. Why should such a bank exist?

Most crony capitalist oligarchs use political influence to get loans and get write offs and bailout. In return these oligarchs pay some amount to the party and the policitian. It is idiotic to think that world works on merit. World is and has always worked on relationships, networking or favoratism. Meritocracy is the smoke screen built for the masses so that they can keep working like ants believing that hard work pays off. It never does. Mostly the networking, whom you know, leverages etc., decide the outcome of a person's existence.

The bottom of the pyramid, who are holding the pyramid, the mass which holds the castles of the elites on their shoulders dont have the financial education or knowledge of reality to save themselves from such oligarchs and banks. A bank which takes only deposits, do not engages in credit, loans, lending etc., but may be optionally invest 1/3rd of its liquidity in ETFs of gold, silver and top 5 mutual funds with consistant CAGR for 10 yr SMMA. So the bank has enough profit to maintain its functions. so it is a non profit bank which is there only to serve people.