gistfile1.txt

Framework dựa trên Warren Buffett. Sử dụng với Perplexity.

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Below is a **Buffett-Style Investment Framework with a Scoring System and Ratings**. This framework is designed to be practical, transparent, and rooted in Buffett’s principles as described in the search results[1][2][3][4].

## Buffett Investment Scorecard Framework

**Scoring:**  
- Each criterion is scored 0 (No), 1 (Partial/Needs Improvement), or 2 (Yes/Strong).
- Total possible score: 20 points.

| Criterion                      | Description                                                                 | Score (0-2) |
|---------------------------------|-----------------------------------------------------------------------------|-------------|
| Understandable Business         | Is the business simple and within your circle of competence?                |             |
| Consistent Earnings            | 5–10 year record of steady, growing earnings and revenue                    |             |
| High Return on Equity (ROE)    | ROE consistently above industry average (ideally >8% over 5–10 years)       |             |
| Conservative Debt Levels       | Debt/equity ratio below 0.5, strong solvency                                |             |
| Durable Competitive Advantage  | Clear, sustainable economic moat (brand, network, cost, regulation, etc.)   |             |
| Quality Management             | Honest, competent, shareholder-friendly management                          |             |
| Strong Free Cash Flow          | Robust, consistent free cash flow generation                                |             |
| Attractive Valuation           | Price well below intrinsic value, margin of safety (20–30% discount)        |             |
| Long-Term Prospects            | Favorable industry outlook, not easily disrupted in 20 years                |             |
| Shareholder Returns            | History of dividends/buybacks or prudent reinvestment                       |             |

## Rating Scale

| Total Score | Rating | Action      |
|-------------|--------|-------------|
| 17–20       | Buy    | High conviction, meets nearly all Buffett criteria. |
| 13–16       | Watch  | Good quality, but not at ideal price or has minor issues. |
| 0–12        | Skip   | Fails key Buffett tests; not suitable for investment. |

**How to Use:**
- Assign a score (0, 1, or 2) for each criterion based on your research.
- Add up the total.
- Use the table above to determine whether to Buy, Watch, or Skip.

**Example Scoring Key:**
- **2:** Fully meets/exceeds Buffett’s standard.
- **1:** Partially meets; some concerns or data missing.
- **0:** Does not meet; clear red flag.