Frequently asked questions
What the service is, how the method works, and what you get for your money.
What is Value Investing Club?
A value investing service. Every morning we score U.S. stocks on two questions kept separate — how unlikely the business is to fall apart (Health), and how cheap the stock is (Value) — then publish two rankings, an advanced screener, a monthly letter and a full curriculum. It is an information and education service, not personalized advice.
How does the rating work?
A deterministic engine gives each stock two separate scores, each expressed out of 10 by decile of the day's cohort: Health, which asks whether the business can hold up, and Value, which asks whether the stock is cheap. The two are never merged into one figure, because the level of any score depends on the market regime. The computation is reproducible and no human touches the figures.
What do the two scores mean?
Two questions, kept separate: can the business hold up, and is the stock cheap? Health answers the first and Value the second. We used to average the two into one number; a single score lets a bright half hide a dark one, so we stopped. Cheap is not enough; a solid business priced for perfection is not enough either.
What are the rankings?
Avoid gathers the stocks in the lowest Health decile — what the method flags as fragile; it is a watch list, not a sell signal. Shortlist holds small and mid caps selected by the internal composite. Both rankings are rebuilt every morning against that day's cohort, and a stock leaves a list only after crossing back with a margin, so it does not flicker in and out. A third pillar sits alongside them, the model portfolio — a different perimeter (the great value managers' convictions plus a few of the club's own picks), open to members and rebalanced on its own.
Does an AI decide the investments?
No. The rankings and the scores come from pure computation — a deterministic engine, reproducible from published rules. No model picks a stock, and no figure is ever invented. The Letter is published by the club and written from those same figures.
Do you publish returns?
No. We publish two rankings and ratings: Health and Value on every stock scored, not a performance track record, and no comparison against an index. The rules that put a stock into a ranking and take it out are published; what stays ours is the calibration behind them. Investing carries a risk of capital loss, and nothing here is a forecast.
Is this investment advice?
No. Value Investing Club is an information and education service. It provides neither personalized advice nor portfolio management. You remain the sole decision-maker, and investing carries a risk of capital loss.
What are the plans and prices?
One membership, and it opens everything: $24 a month, or $149 a year — 48% less than paying monthly. The ranking, the advanced screener, the Curriculum, the Casebook and the Letter are all included. No tier above, nothing held back.
Which stocks do you cover?
Undervalued U.S.-listed small and mid caps, on the NYSE and NASDAQ. We stay there because the depth and quality of fundamental data allow a reliable daily ranking; widening the universe without the same data quality would degrade the method.
Can I cancel?
Yes, at any time from your account. Cancellation takes effect at the end of the period already paid for, with no renewal.