Dubai, UAE • Finance • Investing

Muniz
Reza

When you see objects,
I see the systems and reality behind them.

Finance professional — investor, independent thinker, and lifelong learner.
Exploring how reality, physics, information, and human systems shape the modern world.

Finance & Accounting Markets & Investing Systems Thinker Civic Accountability
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Muniz Reza

If physics explains matter, what explains subjective experience?

On consciousness & reality
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If physics explains matter, what explains subjective experience? When you see objects, I see systems and the reality behind them Information may be more fundamental than matter or energy Markets are reflexive — beliefs shape the very reality they describe Consciousness remains the hard problem of science Clarity of thought is the rarest form of intelligence Invert always. Invert. If physics explains matter, what explains subjective experience? When you see objects, I see systems and the reality behind them Information may be more fundamental than matter or energy Markets are reflexive — beliefs shape the very reality they describe Consciousness remains the hard problem of science Clarity of thought is the rarest form of intelligence Invert always. Invert.
Muniz Reza

About Me

A mind shaped by
clarity & depth

I'm Muniz Reza — a finance professional with a deep interest in investing, markets, human behaviour, and decision-making. I focus on structure, logical thinking, and breaking complexity into clear, actionable understanding.

By mindset, I'm naturally skeptical — I question conventions and prefer genuine understanding over blind acceptance. Learning, for me, happens through books and continuous self-education.

"I don't just accept ideas at face value — I want to understand the reasoning, logic, and depth behind things before forming conclusions."

By ideology, I lean toward left-liberal thinking, influenced by Lenin, Nehru, and Bhagat Singh. I follow human rights and civic matters actively — using RTIs and petitions to raise accountability.

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Work Style
Clarity & Structure
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Mindset
Skeptical Thinker
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Learning
Books & Self-Education
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Values
Fairness & Accountability
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What I Work With

Skills & Expertise

Finance, data, and technology intersect in my work — from building financial models and BI dashboards to writing SQL queries and automating workflows.

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Financial Modelling
Building structured models for valuation, forecasting, budgeting, and scenario analysis. DCF, LBO, and 3-statement models.
ExcelDCFValuationForecasting
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SQL & Data Querying
Writing queries for financial reporting, data extraction, and analysis. Working with relational databases in ERP environments.
SQLT-SQLJoinsAggregations
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Business Intelligence
Designing dashboards and reports to translate financial data into clear, actionable business insights for decision-makers.
Power BIDAXDashboardsKPIs
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ERP & D365 Finance
Hands-on experience with Microsoft Dynamics 365 Finance & Operations — GL, AP, AR, reporting, and workflow automation.
D365 F&OPower AutomateOData
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Equity Research & Investing
Fundamental analysis of equities — financial statement analysis, competitive moat assessment, and long-term value investing.
EquityNSE/BSEScreeningValuation
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Financial Reporting
Preparation and analysis of financial statements under IFRS and GAAP. Month-end close, variance analysis, and management reporting.
IFRSGAAPMISVariance

What Shapes Me

My Influences

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Peter Lynch
Investor
Invest in what you know. Common sense over complexity and hype.
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Charlie Munger
Investor & Philosopher
Latticework of mental models. Invert always. Think multi-disciplinary.
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Aswath Damodaran
Valuation Expert
Rigorous, principled, honest approach to business and asset valuation.
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George Soros
Macro Investor
Reflexivity — markets are shaped by the beliefs of participants within them.
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Raamdeo Agarwal
Investor
Long-term wealth creation through identifying quality businesses early.
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Nassim Taleb
Risk Thinker
Black swans, antifragility, skin in the game, and the limits of prediction.
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Daniel Kahneman
Psychologist
Thinking, Fast and Slow — our two systems of thought and why we err.
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Sigmund Freud
Psychoanalyst
Unconscious forces that silently shape human choices and behaviour.
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Viktor Frankl
Philosopher
Man's Search for Meaning — finding purpose even in extreme adversity.
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Kishimi & Koga
Philosophers
The Courage to Be Disliked — freedom from approval and social anxiety.
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Lenin & Nehru
Political Thinkers
Systems thinking, state power, and the architecture of societal change.
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Bhagat Singh
Revolutionary
Courage, conviction, rational thinking, and speaking truth to power.
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Elon Musk
Visionary
Willingness to take asymmetric risks and think in orders of magnitude.
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Muhammad Ali
Champion
Mindset, resilience, identity, and total control under extreme pressure.
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Books & Reading
Primary Tool
Independent reading as the foundation of real understanding and growth.
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RTIs & Petitions
Civic Action
Using available legal tools to demand transparency and raise accountability.

Observations & Questions

How I See the World

I'm interested in the systems shaping reality — from physics and neuroscience to technology, networks, and human behaviour. This is a collection of observations, questions, and ideas exploring how science, consciousness, information, and civilisation connect together.

01
If physics explains matter, what explains subjective experience?
The hard problem of consciousness remains unsolved. Science can map the brain — but mapping neurons doesn't explain why there is something it is like to be you.
02
When you see objects, I see systems and the reality behind them.
Every object is a node in a network — shaped by forces, history, relationships, and information flows that are invisible on the surface.
03
Is information more fundamental than matter or energy?
From John Wheeler's "it from bit" to quantum information theory — the universe may be, at its core, computation and information.
04
Markets are mirrors. They reflect collective belief, not objective reality.
Soros's reflexivity: the map and the territory are the same thing in financial systems. Participants shape the very reality they are trying to predict.
05
Civilisation is a technology for managing human coordination at scale.
Language, money, law, and institutions are all information technologies — they allow humans to cooperate beyond the Dunbar number of ~150.
06
Most human error is not stupidity — it's a mismatch between our evolved hardware and the modern world.
Kahneman, Taleb, and evolutionary psychology all point to the same insight: we are Stone Age minds navigating an exponential-rate civilisation.

A Working Hypothesis

"Reality is not what it appears. The deeper you look, the stranger and more structured it becomes. Physics, consciousness, markets, and society are all expressions of the same underlying logic — information organising itself."

Exploring how science, consciousness, information, and civilisation connect together.

Get In Touch

Let's connect

Whether it's finance, investing, ideas, systems thinking, or civic matters — I'm open to conversations that matter.

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Professional Email
munizreza@munizreza.com
Primary contact
Send Email
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Personal Email
muniz.reza@gmail.com
Also works fine
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WhatsApp
+971 55 835 9223
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Phone
+971 55 835 9223
Dubai, UAE
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