FINANCEOngoing practice88% confidence

Present-Value Target Price

Sell when the stock hits today's fair value, not at a guessed future price.

Problem it solves

knowing when to sell a stock

Best for

Active stock investors who want a clean, repeatable rule for when to sell without succumbing to fan-club holding behavior.

Not ideal for

Index investors, traders relying on technicals, or anyone unwilling to maintain a live valuation model.

Overview

Why this framework exists

Most investors define target price as 'where I think the stock will be in 2025'. That definition is useless — you don't know future prices and you don't know timing. Sasha redefines target price as the present-value fair price you would pay today for the business based on your best current estimate. If the market price is significantly below that, you have upside; if it reaches that, you sell.

The target moves with the business. The valuation you set in 2016 is not the one that triggers a sale in 2024 — it updates each quarter. This severs the emotional bond between entry price and exit decision: the question is never 'have I made enough?' but 'is there modeled upside left from here?'.

The rule is mechanical: when the stock hits your current fair-value estimate, you sell, regardless of how you feel about the company. Sasha sold AMD at his target and was called a hater; he sold Lucid at $40 and tripled his money on a stock that later collapsed to $4.

Core principles

5 total
  1. Target price is what you would pay today, not what you predict the price will be tomorrow.
  2. The target updates every quarter as the underlying valuation changes.
  3. Selling is mechanical, not emotional — the rule overrides your feelings about the company.
  4. Past entry price is irrelevant to the sell decision; only present-day upside matters.
  5. A small overshoot tolerance (e.g. 5% off target) is allowed if other holdings have higher upside.

Steps

5 steps
  1. Set fair value as present value
    Output a single present-value fair price (or range) from your bottom-up model. This is the price you would pay today to own the whole business based on current information.
  2. Buy only at a meaningful discount
    Enter when market price is significantly below fair value. The bigger the discount, the larger your modeled upside and your margin of safety.
  3. Refresh fair value every quarter
    Update the fair-value number after each filing, earnings call, and competitive shift. Sometimes it goes up, sometimes it falls — your sell trigger moves accordingly.
    WarningDon't anchor on the original fair value you set years ago — anchoring breaks the entire system.
  4. Trigger sell at target
    When market price meets your current fair-value estimate, sell. No exceptions for sentiment, brand love, or 'just a bit higher' thinking.
    Pro tipIf sentiment hasn't fully unwound but your modeled upside is gone, sell anyway — the next leg up is no longer your edge.
  5. Allow small tolerances against opportunity cost
    If a position is within ~5% of target and another holding has materially larger upside, shave the position early and redistribute. Mechanical doesn't mean rigid to the penny.

Checklist

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Examples

2 cases
Lucid at $40 — sold despite being a believer

Sasha bought Lucid around $11-15 as a small speculative position based on Saudi backing, ex-Tesla design talent, and the Arizona factory. When EV sentiment ran the stock to $40 he sold despite fan-boy backlash, because his valuation triggered the exit.

OutcomeTripled his money. Lucid later collapsed to ~$4 — by his own admission he 'should have lost money on it' but the discipline saved him.
AMD — sold a beloved company at target

Sasha held AMD for years, used their products, admired Lisa Su, but sold the entire position when share price reached his fair value because no upside remained.

OutcomeTook the gain, redeployed capital, ignored the 'you don't believe in the company' critics.

Common mistakes

3 traps
Defining target as a future price at a future date
Stating 'my target is $500 in 2025' is meaningless because you can't predict the path or the timing. Tie the target to today's intrinsic value instead.
Holding past target out of loyalty
Diamond-hands fan-club mentality keeps people in stocks long after the modeled upside has evaporated, exposing them to drawdowns they could have banked away.
Anchoring to the original valuation
If you set fair value years ago and never updated it, you are selling on stale information. Always sell on the latest valuation, not the historical one.

Origin story

How this framework came to be

Sasha developed this rule after watching retail investors freeze on the sell decision — holding through 'diamond hands' loyalty until stocks collapsed. He treats it as the harder half of investing: deciding when to buy is structured, but selling without a rule is where most people destroy returns.

Source

Traced to primary
Source · PODCAST
How to Invest in Stocks
Sasha Yanshin · 2024
Open source →

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