Sirmium Capital

07/09/2026

What can the Founding Fathers teach us about investing?

Our Q2 2026 Investor Update explores the debate between Hamilton and Jefferson, why it remains relevant to investors today, how we’re positioning our portfolio, and our latest stock recommendation.

Read the full newsletter below.

07/08/2026

Two guys I know came on the job five years apart.

Both heard the same thing at the academy: 20 and out.

One got hired in 2008.

He'll walk at 20 with 50% of his final average salary, and his pension contributions stopped after year ten.

The other got hired in 2013.

At 20 he gets about 42%.

He doesn't reach the full 50% until year 22, and he's been paying 3 to 6 percent out of every check the whole way.

Same job.

Different math.

And the number it's all built on isn't your last paycheck.

It's your best three consecutive years of pay.

Nobody walked either of them through this.

Our team built a free NYPD pension calculator that runs your tier's math.

Link in the first comment.

Do you know your tier?

Educational only, not individualized advice. Sirmium Capital is a registered investment adviser.

07/06/2026

If you are FERS and planning to retire soon, here is a detail that is easy to miss. Your first full annuity check does not show up right away. In May 2026, OPM's average claim took 87 days to process, and interim pay usually covers only 60 to 80 percent of your net annuity in the meantime.

So about a year out, figure out your bridge number, the cash that needs to be in a plain savings account on your last day. Count your annual leave payout and your reserves. If you separate from federal service in or after the year you turn 55, TSP withdrawals may avoid the early-withdrawal penalty, but check how that applies to you with your own tax professional. That way a slow case is an annoyance, not an emergency.

Full breakdown: https://tinyurl.com/23zcx3qd

Educational only, not individualized advice. Sirmium Capital is a registered investment adviser.

OPM interim pay is roughly 60 to 80 percent of your net annuity, and the first full check can take 3 to 5 months. Here are the 2026 numbers and the bridge math.

07/06/2026

The best goalkeepers stop a higher share of penalty kicks by staying centered, and hardly any of them actually do it. Diving feels like effort. Holding your ground feels like doing nothing, so they dive and they miss.

Investing works the same way. When markets fall, sitting tight feels lazy, so we trade. But in one long study of everyday brokerage accounts, the busiest traders trailed the average return by several points a year over that period. Doing nothing was the harder, and often the better, call.

Our free 7 Behavior Gaps guide walks through the habits that quietly tend to cost the most:
https://tinyurl.com/2xs3q2hv

Educational only, not individualized advice. Sirmium Capital is a registered investment adviser.

01/12/2026

“Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria.” - Sir John Templeton

Our 2025 Year-End Newsletter is now live.

In this issue we cover:
• The AI boom and whether it resembles past market bubbles
• How passive investing and market concentration are shaping markets
• Lessons from 2025 performance
• Portfolio updates across several holdings

Read it here:
www.sirmiumcapital.com/newsletters/latest.pdf

10/22/2025

“What we learn from history is that people don’t learn from history.” — Warren Buffett

Our Q3 2025 Sirmium Capital Newsletter is now available: “Human Nature Drives the Cycle.”

In this issue, we cover:
✅ Why market pullbacks are a natural and healthy part of investing
✅ How rising debt levels are reshaping views on gold and Bitcoin
✅ Key portfolio updates, including Brookfield, Burford, and Coupang

📄 Read it directly here:
https://sirmiumcapital.com/newsletters/latest.pdf

As always, thank you for following our work — your continued support and curiosity make these updates possible.

11/21/2022

Nike stock is down almost 40% from a year ago.

Though this stock has taken a beating, we think it’s a great time to add Nike to your portfolio.

Why?

Let me explain in the video below 👇🏻✌🏻

09/07/2022

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Accounting is the language of business. Here are the meat and potatoes of the balance sheet.