This is financial advice and I never give financial advice: DONT LEAVE DURING THE BEAR. If you don’t want to invest…learn. If you don’t want to learn…build. If you don’t want to build observe. DO SOMETHING…other than leave. There is so much opportunity here. Take advantage!
I think people need to learn edging, if you are scared of downturm book profits and left lets say 50% in the market, and now we have a place to park it in T billls so i say edge the market with cash and the usd with commodities. ... but people like to have fun and Fomo so, people have what they deserve
Investing in the stock market has HISTORICALLY provided higher returns than other forms of investment. According to Morningstar, the average annual return for the S&P 500 index, which measures the performance of 500 large-cap stocks, was approximately 10% from 1926 to 2020.
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over $610k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
The adviser I'm in touch with is "Camille Alicia Garcia" she works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me her strategy works hence my result. she provides entry and exit point for the securities I focus on.
I just looked up Camille online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals and scheduled a call.
Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.
Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Amber Dawn Brummit turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.
I admire the financial independence of people, But you can live better if you work a little more. After watching this I think there are people out there, on the extreme, who plan to die early just to be able to retire early. To each their own but to me, retirement isn't just about not having to work, it's about having the freedom to do whatever you might reasonably want, such as travel, buying things, enjoying life, etc. I don't think I could retire with less than $3m in income-generating investments, maybe $2m at the very minimum. I plan to work until I'm at least 45
Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving
@@ThomasWilliam-sw8ms Having an investment adviser is the best way to go about the market right now, especially for near-retirees, I've been in touch with a coach for a while now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I netted over $220K during this dip, that made it clear there's more to the market that we avg joes don't know
I am experiencing one of the most challenging phases of my life... Lost a fortune lnvesting in emerging companies. How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
I agree, based on personal experience with an investment advisor, I currently have $985k in a diversified portfolio with exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable.
My advisor is *Alicia Estela Cabouli* With the help of google you can book an appointment. She has a wealth of experience in the financial market gained over several years.
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé
I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green.
As with an my big financial decision, it’s important to keep your guard’s up for economic risks. However, smart planning, time management and seeking advise from a financial adviser can help keep you and your money safe
@@valeriepierre9778 Yes i agree and right now the markets are going berserk right now. This is the best time to watch them, get to know them better, and strike when the opportunity presents itself. I learned that from my mentor, “JULIA ANN FINNICUM” she's seen dozens of market cycles over the past few decades, and she has a feel for how they move, why they move, and what comes next.
Knowledge changes belief. Not everyone shares knowledge free. Hope we learn from these legendary people. Thank you Dalio I am learning invaluable lessons. We need more people like you. Wish you all the best.
The right investment can get you ahead in no time.Determining the best stocks to buy isn't an easy task, investors must first understand what they want out of their investment portfolio.. the right stocks can make anyone wealthy.
@Paul Nolan investing needs not be complicated, Investing with little education can only result to losses. I've also made some bad decisions in buying the wrong stocks until i had the guide of my account coach Frost Hilda who shored up my portfolio with outperforming stocks that has effectively increased my portfolio performance and helped build a portfolio that has cleared all my debt with huge profits through trading.
Debbie it’s been Rewarding! my earnings and my portfolio has grown rapidly. It's been 3 years with he’s system, Look him up, his name and business socials link in,as a trading coach and financial advisory. a valuable resource, for anyone looking to navigate the financial market easily, My portfolio looks solid than ever.
Love Ray. Love his book 'Principals'. Loved this talk ....but ....note to the video editor: When he refers to the chart ....show the chart. When he points to something....show it. (rant over)
Mr. Dalio was amazing in explaining the relationships between credit, debt service, and economic cycles: simple, clear, and to-the-point. Learned a lot from this video. Thank you so much for sharing this.
I've been following Ray before pandemic, he always happy to share his deep. knowledge & experience to everyone. He is not keeping it to himself & his team. A great man 👍👍
Thank you; Ray Dalio on this Historic lecture on short term and long term investment, economy and markets, 1900 to Present, the Cycle of Data from Education.
This is truly helping keen individuals by teaching us how to fish. Could we please get access to the powerpoint in the video? The camera angle obstructs a lot of it.
Thanks to Mr Ray for teaching, it is really a course that I enjoys. This is course on "investment thinking" and giving investment principles learning couse. Through this class, I learned about some principles and methods of how investing. Regarding the " quantitative easing ", and "a tight monetary policy" mentioned in this class, I would like to ask a question about it: you mentioned in the course that a tight monetary policy can only be used in two circumstances: 1, a relatively high operating costs. 2, a lower level of unemployment. I don not understand why monetary tightening policy is still used in "a lower level of unemployment situation. Vivian Zhang
great stuff, just seeing if I am tracking... when he gave the example of monetary policy and how it effects the 2 equilibriums. He didn't mention fiscal policy lever at that point (alluded earlier) for the equilibrium effects, since the Fed has already lowered rates, print money, and is unable to QE.
In this class, Mr Ray talked a lot of investment principles in this course. In these contents, you have also mentioned fiscal policy however, the information provided for this piece of content is limited. I am wondering now: whether there would opportunities in the future to expand on this topic? Thank you Vivian Zhang
Great teacher. I learned a lot from this man. He liberally shared his wisdom in so many talks and books. I would say, in ancient times in india, he would have been called a " Rushi", a " sage", a " Buddha ". I learned a lot from this " rushi". Thank you Ray
Hi Ray, the content of your class is wonderful, however, the writings on the blackboard and the lecture content written on the blackboard can not be seen in this video. I wish I am able to see the lecture content on the blackboard. 😔 Vivia Zhang
@@lol-rw7yd He never gave a date after he spoke about that book upon the release of Principles part 1 and then his Son passed away and I believe it derailed him a bit but then he launched this new one about Nations and Changing World Order… the part 2 will be released when he retires from his company for good and then goes on a tour to speak about the book then disappears from media and enjoys his last days…
The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stoc,ks, Gold, silver and digital currencies.
The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.
Mr Ray also mentiones in this class " diversified investment strategy can increase the return on investment and reduce the risk of investment. For diversified investment strategies, you have mentioned two main methods in this class, One is the Beta return stream and the other one is the Alpha return stream. I understand Beta's strategy, but you mentioned very little about Alpha's strategy plan in this class. I want to know why you call Alpha's diversified strategy as a kind of gambling plan? Thank you. Vivian Zhang
Are you serious??? Someone filming golden information from one of the most brilliant people in finance ever, and can't even frame the camera right to show what he created for us? I just wanna slap that camera man.
Fight Digital Money in any forum . Life does not promise you Electric Power or the Internet . Buy Gold and Silver . Stack something , Even Copper , Nickle and other Metals , Heck buy a Metal Detector just as Insurance to feed your family . Characteristics of sound money , You know where your Gold is .
Ray Dallo you are a good 👍 teacher 👨🏫 about financial matters. You have a good 😊 pedagogy makes financial matters understandable 🙏🏽 You should have taken Education course in college 🙏🏽 Thank you 🙏🏽 for your service from the Philippines 🇵🇭 🙏🏽💙💕
Ray does and lives everything he talks about. His 21 billion dollar net worth speaks for itself. This is the only man creditable enough to be talking about this stuff on the internet. Every damn tik tok and Instagram guru should not be taking about finance and economic as well as investing. Clues less fools stealing from hard working people.
Yes rigth, but people dont understand, they just buy every sector and call it done. They dont understand rates, devaluations of the USD for example nothing. They dont edge thats the problem and what you arr saying
I regret not having the mental capacity to research each company's performance and determine whether now is a good time to buy stocks or not. My $450,000 reserve is being wiped out by inflation, and I'm not sure what to do at this point, to be honest. You should find a mentor or an experienced advisor to help you, particularly during this recession.
I agree, which is why I prefer having an investment coach handle my day-to-day decisions. Given that their entire skill set revolves around using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, coupled with the unique information and analysis they have, it is virtually impossible for them to underperform. I've been using an investment coach for more than two years and have made over $1.5 million.
@@stevensmiddlemass2072 I've been considering it; I've been holding onto a number of stocks that are falling in value and am unsure whether to maintain them or sell them. I believe your expertise as an investment coach could help me with portfolio restructuring.
@@ConradGosling Sure, the inv-coach that guides me is STACIE KRISTAL WEBER, she popular and has quite a following, so it shouldn't be a hassle to find her, just search her.
@@stevensmiddlemass2072 Stacie really seem to know her stuff. I found her website, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her.
WOW, simply amazing! What Ray said with conflicts (military and economic) rising interest rates and inflation have all come true. Ray is truly a GOAT for sharing his wisdom with everyone so selflessly
20:00 Wow The bottom 40 percent of the population of the United States can't raise even 400 dollars in the event of an emergency. We in India are poor, but anyone can raise double that amount in an hour or less. We are not wealthy, but we have savings. Even the poorest of us have at least 20 to 50 grams of gold. Even the poorest. 10 grams of gold is 500 dollars. The institution called family has long been dismantled in the United States, in the name of individuality and freedom, so, pretty much each person is on his own. We have family. The rate of divorces in India is 1 to 2 percent. We have no single parent families. We have gold, and we have family.
⛔ Could not find **Add a comment** button. Here is the entire summary: ```markdown 🎯 Key Takeaways for quick navigation: 00:00 📜 *Economic and Investment Principles Overview* - Ray Dalio shares his systematic approach to decision-making and the importance of documenting principles. 01:51 🔄 *Economic Overview: Perpetual Motion Machine* - Describes the economy as a perpetual motion machine with four big forces, three equilibriums, and two levers. - Discusses productivity as the key force, short-term and long-term debt cycles, and the impact of central bank actions. - Highlights the role of politics, both internal and external, in influencing economic cycles. 05:22 🔄 *Short-term Debt Cycle* - Explains the short-term debt cycle involving recession, central bank intervention, credit creation, and subsequent debt. - Discusses market cycles linked to short-term debt cycles. 06:31 🔄 *Long-term Debt Cycle* - Explores the long-term debt cycle, accumulation of short-term cycles, and the need for central banks to stimulate. - Describes the end of the long-term debt cycle, leading to quantitative easing and potential limitations. 07:56 🌐 *Geopolitical Cycle and Wealth Gap* - Discusses the wealth gap caused by economic cycles, technology, and globalization. - Highlights the impact of wealth gap on politics, leading to populism. - Examines the rising power of China challenging the existing power (U.S.) in a geopolitical cycle. 09:02 ⚖ *Three Equilibriums* - Emphasizes the importance of balancing debt growth with income growth, maintaining optimal economic capacity utilization, and the relationship between equity, bond, and cash returns. - Stresses the role of these equilibriums in shaping economic conditions and influencing central bank policies. 12:32 🎚 *Monetary and Fiscal Policy Levers* - Describes monetary and fiscal policy as levers to control economic cycles. - Explains how adjustments in monetary policy influence debt growth, capacity utilization, and returns on financial assets. - Illustrates the perpetual motion of the economy through these levers. 13:00 📊 *Charts: Productivity and Short-term Debt Cycle* - Presents charts depicting the historical trend of productivity and the current phase of the short-term debt cycle. - Discusses the implications of productivity decline in the later stages of the long-term debt cycle. 16:40 💰 *Debt Crisis Comparison (1900 to Present)* - Compares the current economic situation to historical debt crises, emphasizing similarities in central bank responses and market reactions. - Examines the impact of debt crises on central bank balance sheets and monetary policy. 18:05 📉 *Unfunded Liabilities and Golden Age of Capitalism* - Discusses unfunded liabilities, including pension and healthcare, and their potential impact on economic conditions. - Explores the golden age of capitalism, marked by increased profit margins, technological efficiency, and globalization. 20:02 🌐 *Wealth Gap and Populism* - Examines the widening wealth gap and its connection to profit margins, taxation, and political polarization. - Highlights the emergence of populism and its implications for economic and market dynamics. 21:40 🔀 *Political Landscape and Entrenched Conflict* - Analyzes the current political landscape, showcasing the increasing conservatism of Republicans and liberalism of Democrats. - Illustrates the entrenched conflict in voting patterns along party lines, indicating heightened political polarization. 23:44 🌍 *Market Analysis: Late Business Cycle and Political Impact* - Late business cycle and political impact on markets, - Europe entering elections, potential movement to political extremes, impact on capital flows. 26:02 🌐 *China's Increasing Global Influence* - China's rising influence in the global environment, - Comparison of United States and China in terms of output, equity market cap, and debt securities outstanding. 27:09 📊 *Factors Influencing World Reserve Currencies* - Factors influencing the rise and decline of world reserve currencies, - Research on the cycles of reserve currencies and the six main factors determining a country's power. 30:10 💹 *Investment Principles and Economic Overview* - Investment principles and economic overview, - Theoretical value of investments, asset classes outperforming cash, and principles related to return streams. 32:41 📉 *Risk Reduction through Diversification* - Importance of diversification in risk reduction, - Two types of return streams: beta and alpha, and the significance of having uncorrelated return streams. 38:29 🔄 *The Holy Grail of Investing: Diversification* - The Holy Grail of investing: achieving diversification, - Significance of having 10, 15, or more good uncorrelated investments for improving return to risk ratio. Made with HARPA AI ```
Bitcoin should be transparent and it isn’t as easy as people thinks it is, there are so many strategies to be learnt and unfolded about Bitcoin trading
while agreeing with all the principles talked in the lecture, he did not anticipate UK election result correctly and of course nobody knew the pandemic will hit at that time
"The biggest mistakes of most investors is that they think the investment that did well is a good investment, rather than its a more expensive investment". 36:07
@@hoangvietlee The mistake that many investors make is that they assume that an investment that has performed well in the past must be a good investment. However, this is not always the case. Sometimes, a stock's price may increase not because the company is performing well, but simply because it has become more expensive. For example, let's say that you bought stock in a company for $10 per share, and over the next year, the stock price increased to $20 per share. At first glance, it may seem like this was a good investment because you made a 100% return. However, if you dig deeper and look at the company's financials, you may find that the stock price increase was not justified by the company's performance.
Why is Ray talking about the serviceability of debt when the US national debt has gone beyond serviceability? Market volatility has moved beyond these outdated principals.
Serviceability is just being able to pay the interest which we can do easily. The key variables are GDP & interest rates. Since debt is denominated in dollars, the Federal Reserve controls the rate, so they’re incentivized to keep it low. If GDP increases, it increases the amount of dollars available to service debt. Since GDP continues to grow, we can service more debt than we could in the past. As Ray articulates, this game can only continue so long, & we have seen the debt to GDP ratio increasing. Inevitably taxes have to go up to service the debt, which of course is not a productive use of money but at least there’s plenty of capacity in terms of high income to tax. My concern is not our ability to service debt but rather the effect servicing it has on slowing growth of the economy.
he always gives his lectures about monetary policy and the tools that the federal bank has. But he never dives into fiscal policy and congress and government spending and taxation . It’s the wasteful nonproductive spending by government that has been non sustainable and generating economic chaos in the markets and the economy . But he does not know about it or he is afraid to say or speak about it .
