Why Wealth Starts With Clear Goals
From the Desk of NJK Partners
Everyone wants to talk about the hottest IPO, meme stock, or crypto token. But at NJK, we believe the path to long-term wealth rarely comes from chasing momentum — it comes from clarity, discipline, and purpose.
In our experience, wealth is created in just two ways:
Building and scaling a business that generates enterprise value
Consistently saving and investing over time with a clear, long-term plan
The second option — long-term investing — has historically outperformed short-term speculation. In fact, research from the University of California shows that only about 1% of day traders consistently outperform the market (Barber et al., 20141). Most actually underperform after fees, taxes, and timing mistakes.
Which brings us to the foundation of this newsletter: it all starts with goals.
Strategic Planning > Stock Picking
Before you decide what to invest in — or even whether to invest — the real question is:
What are you investing for?
At NJK, we break that question down into a strategic framework:
Three Types of Goals
Personal – health, family, lifestyle
Professional – career, business, leadership
Financial – freedom, security, legacy
Three Time Horizons
1–3 years
5–10 years
10–20 years+
We encourage our community to reverse-engineer their investment strategy based on this grid. Without this structure, most financial decisions are reactive. With it, you begin to allocate capital not to noise — but to purpose.
What to Expect from Invested in Us
This weekly publication is NJK’s platform to deliver high-quality insights with institutional discipline and community intent. Each issue will cover:
Financial market context and policy updates
Investment education and behavioral finance
Entrepreneurship and real-asset ownership
Spotlights on underserved communities and families building wealth
Tools to improve financial literacy across generations
We built NJK for families and communities historically excluded from traditional private equity, wealth advisory, and institutional finance. Our goal is not just to inform — it’s to build better investors, business owners, and leaders.
We appreciate your trust as we grow this platform from the ground up.
Let’s get to work.
With gratitude & love,
Kevin Nunez
CEO, NJK Partners
Barber, Brad M., and Terrance Odean. “The Behavior of Individual Investors.” Handbook of the Economics of Finance, Vol. 2B. 2013.
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