Wessel Vleut @WesselV: "📈 Portfolio Update: Why Market..."

Netherlands

📈 Portfolio Update: Why Market Fear is SoFi’s (SOFI) Best Friend Performance: YTD: -4.8% 2025: + 32.1% 2024: + 29.6% The markets have been incredibly volatile lately. Headlines are dominated by uncertainty, and "Fear" is the prevailing sentiment. For many, this is a signal to retreat. For me, it’s a signal to stand my ground. 🛠️ 📉 The "Fear Gauge": Why I’m Watching the VIX This week, the VIX Index (the market’s fear barometer) spiked toward the 30 level. When the VIX is this high, the market doesn't look at fundamentals, it looks for the "exit" button. High-growth companies like SoFi often get caught in this panic-selling. Algorithms dump "risk assets" across the board, which creates a downward spiral that has nothing to do with the actual health of the company. 🏦 My Stance: Holding the Line I’ve received questions about whether I’m "buying the dip" right now. The answer is no. I currently have no fresh capital to deploy, and that’s okay. Investing isn't about constantly throwing money at the screen; it’s about having the conviction to hold your high-quality positions when everyone else is shaking. I first bought $SOFI (SoFi Technologies Inc) around the $6 mark, and my view hasn't changed. 🚀 Why SoFi is the "AWS of Fintech" The market incorrectly prices SoFi as a traditional bank. Here is why I believe it’s a technology giant in disguise: The Tech Platform: Through Galileo and Technisys, SoFi provides the "piping" for other financial institutions. This is SaaS-style recurring revenue. In Q4 2025, this segment grew by a massive 53%. The Flywheel: SoFi pays the "acquisition cost" for a customer once (e.g., for a savings account) and then offers them loans, credit cards, and investments for free. This is a profit machine that legacy banks can't match. Stablecoin Innovation: Their partnership with $MA (Mastercard) to use SoFiUSD for global settlements puts them at the forefront of the new digital economy. 📊 Quality Over Noise While national credit card delinquencies are rising toward 3%, SoFi’s personal loan loss rate actually fell to 2.6% recently. This proves they are attracting high-quality, high-income professionals, not risky borrowers. With a PEG ratio of 0.6, SoFi remains fundamentally undervalued compared to its growth potential. 💡 Final Thought You don’t need to buy every dip to be a successful investor. Sometimes, the most profitable move you can make is to do nothing and let your winners run. I am focused on the 3-5 year horizon. This week’s volatility is just a "blip" on a much longer chart. The market is a mechanism for transferring money from the impatient to the patient—and I am very patient. Are you holding your positions through the storm, or is the VIX making you nervous? Let me know in the comments! Disclaimer: This is not financial advice. I hold a position in SOFI. $SOFI $SPY (State Street SPDR S&P 500 ETF) $SPX500 $GS (Goldman Sachs Group Inc) $UVXY (ProShares Ultra VIX Short-Term Futures ETF) $PYPL (PayPal Holdings) $XYZ (Block Inc.) $UPST (Upstart Holdings Inc) $NU (Nu Holdings Ltd.) $KRE (SPDR S&P Regional Banking ETF) $V (Visa) $HAPN (Happen Inc)

Not investment advice. The author may have financial interests in the mentioned instruments.