2) Nu Holdings 
$NU is another stock I hold in the portfolio. 

Nu holdings is extremely exciting because they are revolutionising banking across Latin America primarily in Brazil but also in Mexico & Columbia as of present. 

$NU excites me firstly because Latin America is poised to see significant economic growth moving forward and secondly the population as a majority remains unbanked thus presenting $NU with a huge untapped market.    

$NU members love the product with over 60% of members using it as their primary banking account & over half the adult population of Brazil are $NU members. The customer satisfaction with the product means that majority of New members come from word of mouth thus meaning $NU has very low customer acquisition cost in turn leading to every customer being instantly profitable. Looking forward it's pretty easy to envision just how much Nu holdings could scale.    

Once again $NU is founder led and what I call a culture machine leading me to believe success can easily continue over the long run with a blueprint which can be duplicated in every market. 

Right now you could buy this company for 21x forward Earnings which is truly tempting considering the growth runway.