To The Moon

In volatile markets, many investors instinctively shy away from averaging up, preferring to "buy the dip" rather than add at higher prices. But for strong growth companies with improving fundamentals, averaging up can be a powerful way to build conviction and ride momentum. That's exactly my thinking behind adding to my SoFi Technologies (SOFI) position during this latest pullback. Rather than seeing the recent correction as a warning sign, I view it as a healthy reset within a broader uptrend—an opportunity to strengthen my position before the next leg higher.

First, SoFi's business fundamentals continue to improve steadily. The company has evolved well beyond a student loan refinancing platform into a full-fledged digital bank and financial ecosystem. Deposits and member growth have remained strong, its banking segment is becoming increasingly profitable, and SoFi has been consistently delivering positive GAAP net income—something that was a distant goal not long ago. The recent pullback wasn't driven by company-specific issues, but rather by broader market volatility and profit-taking after a strong run earlier in the year. That gives me confidence that the underlying investment thesis remains intact.

Second, I believe the market is still underestimating SoFi's long-term profitability potential. Its high-margin segments, like its technology platform and financial services products, are still in their early scaling phase. As the company continues to cross-sell to its growing user base and expand its banking products, operating leverage should kick in. In my view, averaging up here positions me for the upside as the market begins to price in SoFi's transition from a high-growth fintech to a consistently profitable digital bank.

Finally, averaging up is also a reflection of disciplined portfolio management. I'm not chasing momentum blindly—rather, I'm adding strategically at levels where valuation remains attractive relative to future growth. This round of pullback provides a more favorable entry point than recent highs, allowing me to increase my exposure while maintaining a strong cost basis. I see this as backing my conviction with capital, not speculation.

In short, averaging up in SoFi during this pullback is a deliberate move grounded in fundamentals, long-term vision, and disciplined execution. I'd rather accumulate quality names on temporary weakness than wait for a "perfect" dip that may never come. If SoFi continues to deliver operationally as it has, I believe these strategic additions will pay off handsomely over time.

As a retail investor, I focus mainly on the US and Singapore markets, combining a mix of technical trading and long-term investing strategies. I enjoy analyzing charts, spotting patterns, and making calculated moves based on both market sentiment and fundamentals. While I'm not a professional, I treat my portfolio seriously and continue to learn and grow with each trade. If you're also navigating the markets and enjoy discussing stocks, options, or market trends, feel free to follow me. Let's learn and grow together as a community.

@TigerStars  @Tiger_comments