Creator1

My strategy in a nutshell is I try to buy companies with durable advantages, consistent growth, and healthy dividends if possible. My core strategy focuses on businesses with a wide economic moat, strong cash flows, and proven management. When a stock doesn’t fit that mold, I shift to a GARP approach: Growth At a Reasonable Price used by popular investors like Peter Lynch. This helps me catch upside in companies with solid fundamentals that might not yet throw off dividends but are still worth owning.

Here’s a breakdown of the companies I’m watching and why:

Likely buying more of these holdings: Dividends + Moats + Growth

Chevron (CVX)
Chevron continues to be a dividend juggernaut in the energy sector. It’s not just the 4%+ yield—it’s the company’s ability to maintain that payout through commodity cycles. With disciplined capital allocation, growing upstream production, and a strong balance sheet, Chevron is built for long-term resilience. It also benefits from scale and political leverage, which insulates it from many sector-specific risks. Additionally, Chevron is involved in alternative energy sources and has a P/E ratio of 14, lower than market average and has an annual $6.00 dividend.

Regions Financial (RF)
A regional bank with solid fundamentals and a focus on profitability over scale. Regions Financial has carved out a competitive niche by emphasizing efficiency and high-return lending. As interest rates normalize, net interest margins are improving. RF also has a disciplined dividend policy and is well-capitalized for future growth. The company continues to experience rapid growth in revenue and has a health dividend of .25 per quarter.

Mitsubishi Corp (MSBHF)
This is the sleeper pick. Mitsubishi is a sprawling Japanese conglomerate with interests in energy, infrastructure, commodities, and more. It pays a solid dividend, has a fortress balance sheet, and is one of the best-run sogo shoshas. The company’s global diversification and exposure to secular growth trends (like EVs and infrastructure build-outs in Asia) make it a compelling long-term hold. This stock pays a dividends twice a year and has been recently been purchased by Warren Buffet’s Berkshire Hathaway. It has a P/E ration of 12.

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When Dividends Don’t Fit: GARP to the Rescue

Growth At a Reasonable Price (GARP) isn’t about chasing the fastest-growing names. It’s about finding companies with consistent earnings growth, solid fundamentals, and stock prices that don’t assume perfection. Here’s what I look for in a GARP stock:

• PEG Ratio Below 2: Price-to-Earnings divided by Growth. Lower is better, ideally under 1.5.
• ROIC Above 10%: Return on invested capital shows how efficiently a company reinvests its profits.
• Free Cash Flow Growth: Not just earnings, but real cash.
• Sustainable Competitive Advantage: Even without dividends, I want durable business models.

JP Morgan Chase (JPM)
Still the king of U.S. banking. JPM has weathered rate hikes, credit squeezes, and regulatory crackdowns. It combines scale with flexibility and generates massive free cash flow. Its PEG ratio is reasonable, and it keeps finding ways to grow earnings without reckless lending. Dimon’s leadership is a competitive advantage in itself.

UnitedHealth Group (UNH)
UNH isn’t cheap, but it’s rarely overvalued for long. The healthcare giant continues to grow earnings through both its insurance arm and Optum. Despite the massively unpopular press it’s been receiving the company still boasts solid free cash flow, expanding margins, and a history of operational excellence.

Bottom Line I’m not here to make 50 trades a month. I’m here to own great businesses, collect dividends, and ride the long-term compounding wave. Whether it’s a fortress like Chevron, a disciplined bank like Regions, or a diversified global operator like Mitsubishi, I want stocks that make sense. An

Let me know what stocks you’re watching—or if you’re holding any of these.