A FEW INTRODUCTORY NOTES ON HAVENS

Hi! Welcome. A few quick notes on Havens, for those who don’t quite know about it yet.

Havens is something new, and different. It’s here because many, many people have asked me for it for over a year now, though I’m still not sure if it should be here.

You can think of Havens as a virtual fund that you can subscribe to, which has Model Portfolios in it and more. They’re cutting-edge alternatives to the aging traditional portfolio. After thousands of one-on-one sessions, people kept asking me: what do I do to protect my wealth in a world that’s unravelling? And so I created Havens, for my friends, family, and long-time fans.

Begin by reading Welcome to Havens, the Havens Thesis, and the Havens Effect. You’ll understand the thinking behind Havens. Havens is emphatically not just a random set of positions in the stock market or what have you. It a new paradigm for thinking about finance and economics (which is why it works so well), that lets a new foundation for wealth be built. It goes deep. I recommend spending some time with it.

To create Havens, I put into practice the last several years of my thinking. In it is something new: a model of Civilizational Risk, which means everything from Trump to geopolitical fracture to macroeconomic disintegration and beyond. The portfolios are just outcomes, based on this new model of Civilizational Risk.

It’s the first thing of its kind. Havens in this way is doing something that I think is (way) more interesting and sophisticated than most of the world’s banks, hedge funds, investment funds, and so on. Many of you (LOL, most of you) complain about how your financial advisors just don’t “get it” these days, meaning, an unravelling world.

Havens was built for one.

You can judge for yourself how Havens is doing, and how it does it, too. Be gentle with it, treat it with care, explore it.

I’ve been a little slow to launch it not because I’m being terrible to you, please forgive me, but because it needed some time to really be tested and prove itself. My first job is to keep you safe. Many of you who’ve done sessions personally with me have known about it and have been using it in various forms for some time now. I hope it’s done well for you.

It’s something new, and like all new things, it’s a bit of an experiment. I don’t know if it should be shared in this form. It’s powerful, maybe too much so. Even I treat it very carefully, and don’t mess it with much. We’ll see if it works. If it doesn’t, that’s cool too, like I said, maybe (probably) I shouldn’t be doing this at all (do you ever get that feeling?), and it’s best kept an open secret amongst friends, family, and in one-on-ones.

If you subscribe, you’ll have access to the Model Portfolios, commentary, updates, and (later this month) a Macro Risk Timeline and a Havens Master List. If you’d like other things in it, just let me know.

The subscription price will rise. That’s because Havens is a lot of work for me. I don’t even like economics and finance (mostly, I like music, poetry, and art.) You’re welcome to keep your existing subscription if you want access to what’s in it. It’s OK to cancel your subscription if you don’t (I won’t take it personally.)

Everyday writing will remain free (so don’t worry about that.)

Many thanks, and welcome again.

Love,

Umair (and Snowy!)