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Rahul Garg


  • Rome, GA
  • Aug 26, 2012
Investment Strategy

I seek to find equities that are undervalued which provide opportunities for significant long capital appreciation, while keeping in mind risks inherent with each investment. I very much subscribe to long term Buffett-Munger style of investing in businesses that are less capital intensive (thus can give more cash back to its shareholders) and undervalued. Contrarian thinking with deep understanding of the business is important to also evaluate what market may be mispricing. Disciplined investing with consideration to "risk taken for the required return" is the goal. 

For example, I made a significant investment in ADM in mid-2012, when the stock was under $30 because a drought reduced its earnings that year. I did not know how long the drought would last, but expected that earnings would recover when the drought was over. I also saw that the risk of permanent capital loss was low because of the strength of the company’s financials and the importance of their products to the world’s economy.  Two years later, when the drought was over, I began to close my position at ~$50. Moreover, ADM continued as well as increased its dividends over those two years and also bought back some of its shares without taking on additional debt. Similar opportunities exist in different sectors at different times. I invest in those that can likely generate good returns over an investment horizon that is generally longer than most Wall Street analysts have the patience for.

I have an undergraduate degree in Chemical Engineering from M.I.T which gives me the math background to analyze balance sheets and cash flows. But, it is my 10 years of experience as a cardiologist that gives me a deep knowledge of human psychology to understand management incentives and human fears better than most analysts, including those on Wall Street. I constantly read and learn about different companies. When I started investing and analyzing our personal earnings in the market, I soon realized that our returns were beating the market by a significant margin. That led me to establish RMF on to get an unbiased view of our returns, and over the last three years, RMF has substantially outperformed the market.

(RMF) rgarga's Mutual Fund
7+ YRS (As of: 06/23/2020) 4.24% 12.97% View Fund Stats
5 YRS -5.73% 9.85% Fund has a 5 year track record.  
3 YRS -9.55% 10.24% Fund has a 3 year track record.  
1 YR -24.99% 12.88% Fund has a 1 year track record.  
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rgarga's Mutual Fund

RMF | Price History
RMF | Fund Positions by Styles
Color Name Allocation Today
Unclassified Market Cap : Unclassified Style 49.49% -0.15%
Large Cap : Value 19.86% -0.49%
Mid Cap : Growth 12.21% -0.50%
Large Cap : Blend 11.28% -0.23%
Large Cap : Growth 7.16% -0.29%
RMF | Fund Information

The information below pertains to model data only.

Fund Manager: Total Model Net Assets:
Rahul Garg $1,786,028.03
Inception: Ticker Symbol: # of Securities:
August 26, 2012 RMF 11

RMF hopes to achieve long term, steady growth of capital by investing in highly profitable and undervalued businesses that are currently underappreciated for their potential. At any point, the fund may hold up to 10-12 equities (domestic or foreign) at significant concentrations. Merger-arbs may be utilized to enhance returns. When everyone seems to be getting greedy, the fund may hold significant amounts of cash; On the other hand, when there is significant fear in the market, the fund maybe fully invested. Overall, RMF hopes to achieve meaningful returns above S&P500.

RMF | Turnover
Last Month N/A
Last 3 Months 20.47%
Last 6 Months 26.85%
Last 12 Months 49.87%
RMF | 5 Most and Least Profitable
Position Symbol Gains
1 T $330,665.44
2 GS $163,666.81
3 GLIBA $114,750.00
4 BHC $90,531.41
5 PSX $86,992.43
Position Symbol Gains
1 PCP -$379,255.48
2 DTV -$200,974.06
3 CCG -$126,144.35
4 LVNTA -$120,722.40
5 VIAB -$65,812.90
RMF | Skill Metrics
All Positions
Winning % 62.50%
Avg. Gain/Loss Ratio 0.71
RMF | Fund Positions by Sectors and Industries
Color Name Allocation Today
Financials 40.76% -0.76%
Consumer Discretionary 33.20% -0.16%
Real Estate 11.76% -0.55%
Industrials 7.16% -0.29%
Unallocated 7.11% 1.35%
RMF | Recent Returns vs S&P 500
RMF -2.30% 3.15% 0.51%
S&P 500 0.00% 0.00% 0.00%
RMF | Recent Returns
Period Returns S&P 500 Returns Returns VS S&P 500
Last Week -4.14% 0.23% -4.37%
Last Month 20.43% 6.11% 14.32%
Last 3 Months 26.83% 27.12% -0.29%
Last 6 Months -29.17% -2.39% -26.78%
Last 12 Months -19.75% 8.44% -28.19%
Last 5 Years -17.59% 65.00% -82.59%
Since Inception 38.45% 161.11% -122.66%
(Annualized) 4.24% 13.05% -8.81%
Data as of: 06/23/2020
RMF | Alpha/Beta VS. S&P 500
Alpha 0%
Beta 0
R-Squared 0
RMF | 5 Best and Worst Returns
Position Symbol Inception Return
1 USB 20.41%
2 WFC 18.48%
3 SRG 12.62%
4 DAL 10.38%
5 LSXMA 7.70%
Position Symbol Inception Return
1 SYF -0.29%
2 GLIBA 0.00%
3 LBTYK 0.74%
4 LILA 1.17%
5 LSXMK 1.87%