Wealth is a byproduct of discipline.
1. Welcome Note
Friends,
At Alejos Capital Group we believe wealth isn’t an accident — it’s the result of repeating small, wise decisions over time. This month we’re tying mindset to money so you can see why we invest the way we do, not just what we invest in.
Let’s get into it.
2. Mindset → Market
Daily wisdom: “You don’t need to match their energy — keep yours.”
What that means for money:
Markets will always have something running hot — a ticker, a sector, a narrative. Most investors get pulled into someone else’s risk profile. We don’t. Our capital has an assignment: protect principal, create cash flow, and grow without threatening the family.
Takeaway: FOMO is not an investment strategy. Discipline is.
3. Our Investment Discipline (How We Think)
We run everything through five lenses:
Capital First – If it risks taking us out of the game, we don’t do it.
Cash Flow Over Headlines – We prefer instruments that pay us (interest, premium, distributions) over “maybe it goes to the moon.”
Right-Sized Risk – No single opportunity is allowed to become a household problem.
Patience Premium – Time is a tool. We let it work.
Faith in the Process – Volatility doesn’t get to rewrite our plan.
You can copy this for your own household financial rules.
4. Featured Strategy: Private Lending at a Fixed Rate
What it is: A simple, understandable structure where funds are lent at a fixed annual rate (example: 14.99%) over a set term.
Why we like it:
It’s math, not mystery.
You know your return on day one.
It aligns with our philosophy of inputs we control.
It’s scalable as our catalogue of borrowers/products grows.
Philosophy tie-in: “Do the small good that’s right in front of you.”
We fund what we understand. We don’t need 100 exotic products — we need a few repeatable ones.
5. Market Note
We’re watching:
Rates & liquidity – because they affect borrowing costs and risk appetite.
Consumer strength – because our e-commerce/catalogue side still responds to real people spending real money.
Volatility spikes – because these are often opportunities to get paid to wait (covered calls, premium capture).
What we’re not doing: We’re not chasing every headline. Our house wins by structure, not speed.
6. 5-Day Mindset Drill for Investors
Use these as journal prompts or just read them in the morning:
Day 1: “What you repeat, you become.” → What financial behavior am I repeating?
Day 2: “You can’t control outcomes, only inputs.” → Are my inputs (savings rate, deployment plan) clear?
Day 3: “Cash is a position.” → Do I need to sit still instead of force a trade?
Day 4: “Discipline is remembering what you really want.” → Do my trades match my real goals?
Day 5: “Say less, mean more.” → Can I simplify my portfolio instead of complicating it?
This is how we keep the investor sharp, not just the portfolio.
7. Call to Action
If you want to align your personal investing with the Alejos Capital Group framework — cash-flow first, disciplined risk, family-protected — reply to this article or schedule a call. We’ll walk you through how to apply it to your numbers.
Faith. Discipline. Strategy.
Alejos Capital Group