Heartland Boy is depending on his investments returns to generate passive income during his retirement. As 2018 was not a very kind year in terms of his investment portfolio returns, he decided to brush up his investment skills. Therefore, he attended the Investment Quadrant Course 2.0 organized by the Fifth Person back in June 2018. On hindsight, he was glad he did because he could hardly devote such precious weekends now that he has become a dad. Investment Quadrant is based on 4 core principals of Business, Management, Financial and Valuation. As such, Heartland Boy is going to review Investment Quadrant course according to those principles.

Under the ‘Business Quadrant’ of Investment Quadrant, one of the key questions that The Fifth Person often asks is “Does the business provide value to the customer?”

Applying the same metric,