Looking for help with Financial Planning? I am a Chartered Wealth Manager and Partner in a financial planning practice based in …
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38 comments
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I just sold a property in Orange County and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains within months, I'm really just confused at this point.
I'm set to make $600,000 this year, and my net worth is north of seven figures, but I'm really worried. My portfolio has only grown 10% in the last five years, and I feel stuck. I desperately need to revamp my investments. Any advice on what to do with my money would be greatly appreciated.
Remember kids, wealthy people didn't get wealthy by diversifying. They got wealthy by going all in in one thing. Whether that be their business, index funds, or real estate. After they get very wealthy they often use that wealth to diversify.
This is great advice! Now all I need to do is become rich enough to start investing like a rich person, then I'll become rich!
In all seriousness though, I like the way you started off sounding like a hustle-culture investment bro, but ended with genuinely useful down-to-earth advice
Great video
Lack of Knowledge & Research – Many investors struggle with understanding financial statements, company fundamentals, and market trends, leading to poor investment decisions.
I heavily disagree from a business angle. Steady returns are made by diversifying but the greatest returns are in extremely concentrated areas. Diversification really is for idiots.
I think not only should we be asking if poor people should, and on the presumption they can, the next question is how. It is SO incredibly confusing. If only there were a platform where I could stick £100 in a month, and it did all the hard work for me…. I didn't even have to choose what investments, just tell it "make me as much money as you can, however you can".
Fees of 6% year-over-year aren’t irrelevant. You’re the business and a sucker if you’re paying this. My goodness.
Thank you so much for this down to Earth comprehensive review – it really helped me a lot! I hope this is not taken the wrong way but I can't help asking you to please wear a different t-shirt for your next videos.
As a soon-to-be retiree, keeping my portfolio on track after a bumpy 2024 is a high goal. I've read about investors generating up to $250k ROI in this present sinking market; any suggestions for increasing my ROI before retirement would be greatly appreciated.
how is your cold going 😅.
Man this is only true to a certain degree, but still doesn't tell the whole picture. Basically they were able to own some very lucrative business that generate returns that is in excess of 20% in return on investment. A lot of stock, bond, private equity does not do that. You need to own those companies directly. And even if you earn only 1% higher return on your asset, but spread it over 100 years, it will be millions or hundreds of millions of dollars. So in summary it's slighly higher return over a long period of time. Do not join some app and think you can get rich tomorrow.
Natalie Kyla Kimberly made me know that the rich often focus on diversifying their investments across assets like real estate, stocks, and private equity to build long-term wealth..
I've learnt two things from billionaires: to diversify your investments and to constantly put your money to work. This year, I hope to make money investing roughly $88k of my savings in equities.
Sound advice – thank you
The rich invest by diversifying across stocks, real estate, private equity, and alternative assets, focusing on long-term growth, tax efficiency, and professional guidance to build and preserve wealth also confirmed by Natalia Kyla Kimberly.
I’d contend that successful investing has little to do with allocation or diversification and more to do with the fact that wealthy people have more wealth to allocate and that portioning it across asset classes is purely and simply a more tax efficient way of managing that wealth.
You don’t copy anyone’s trades ever !!!!! You don’t know their entry or exit or why they did how long they are hold for or the benefits they have for buying the company as women are buying 89 percent of the company ! And alot of investor thst are wealthy are using option calls and puts and weighing it against their stocks !!!
Most REITs are invested in commercial property, not residential property.
,,,,,,,,Because it requires mental discipline to perform the exact opposite of human nature, successful investment requires a lot of work. holding on when you're bored and just want a little action, buying in a panic, and selling in a bliss. Investing is 95% temperament and 5% intelligence.
I've got $100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend?
The last 60 seconds was the best part.
If someone jumps off a bridge will you?
Just because someone invests in something that does not mean you should. As Warren Buffit said invest in what you know and understand and if you don't understand investing just invest in a low fee S&P 500 index mutual fund.
Zeros and no credentials. What a con.
This is great and helpful. Very well done as so true. As Warren buffet suggests Sp500 etfs are best for most.
Nice video – thank you. I'd like to add 3 points which i think are worthwhile remembering:-
1) A globally diversified equity fund will already include an allocation to private equity. So retail investors already have exposure (market cap weighted). By way of example, 3i Group is a private equity and venture capital company on FTSE 100 and hence included in global trackers.
2) Retail investors can access private equity through ETFs such IPRV.L on the London Stock Exchange which is a Listed Private Equity ETF.
3) Retail investors can access private equity, private credit and alternatives such as infratructure via a huge range of UK Investment Trusts.
On the private equality side – you didn't mention DXYZ ETF.
Wealthy people also don’t spend at the same ratio as average investors. Their cash holding may not be a large part of their holdings, but they tend to live smaller compared to their overall wealth. Time value is underestimated when you compare returns rate vs risk. Longer time investing strategy mitigates higher risk over time. Owning a business, networking, and building wealth takes time. Start early folks.
I’m 53 I didn’t know anything about investing or that we are suppose to have an investment portfolio until I was 51 now I’m doing everything I can to make up time
Guys an idiot
Who cares what they do, this video mislead viewers. Don’t do what they do, do what people like you do who increase their wealth. Diversity is for people who are unsure of what to do with their money, or want preservation more than growth.
I don't invest in private equity 'funds'. I invest in private equity. I don't pay any notable fees. I invest in seed rounds and family & friends rounds, direct or via SPVs. I've punted on 40 or so in the last decade. 36 failed. 1 listed on NYSE in Oct and the other 3 are still going and looking good. The one that listed (EXOD) got me a 250x return! 1 of the remaining ones (Bitso) raised at a value of $2bn in 2021 (I entered it at $15M valuation in 2015, but there has been a small dilution). That is how private equity makes you real money. You lose 9/10, but the 1 that hits gets you from 50x to >1000x. Risk is wonderful if it puts others off and the returns are sooo outsized. It's well worth 10 years of being illiquid and losing 9/10! Funds are for fools. Why would you think you can't get 1/10 right, just like these managers do? Have some faith in yourselves and choose nascent, disruptive markets like crypto and AI.
If I had invested just $1k in each of those 40 in 2015, my $40k investment would now be worth circa $1.5M on paper, with an additional $250k liquid, in cash. Now that's a serious return.
This is so much more informative than the average "pay off your credit card debt" videos of most "financial" YouTube channels, thanks!
Great stuff. Another point to add: surveys of how the very wealthy invest their money are notoriously inaccurate because the very wealthy do not in general, answer such surveys. We don't know how much money they really have, and we don't know where they invest it. Some of this is for nefarious reasons, but some of it is just privacy and security. (Some researchers use indirect means to try and get workable numbers….and those results are often flabbergasting.)
Also: another piece of evidence that your thesis is correct is the fact that for certain celebs and famous individuals, we do have at least stated historical wealth values. If you look at many of their fortunes, you will find their investment performance to have been decidedly poor. Many of the world's most famous wealthy people today would have been much more wealthy than they are, had they simply taken the money that they had 10 years ago and invested it in a broadly diversified index fund. Their wealth is so absolute, however, that even marginal gains of 3 or 4% place them among the world's wealthiest people. Moral of the story though is that in order to become one of them, it is not always the best policy to follow their lead. Some of them clearly have no idea what they are doing. (or perhaps they just don't care. At a certain point, money management is irrelevant to their lifestyle.)
I like these Covered call ETFs with a mix of JEPI/JEPQ/FEPI/SPYI for older investors in tax advantaged accounts – ROTH accounts and 401k plans to generate income and are better than owning an annuity, which is an insurance product – NOT an investment vehicle. And also have some exposure of at least 25% in an S&P500 Index fund like VOO & 25% in Bonds as you approach retirement.
Re: commodities — You can get a yield on gold and silver, paid in kind! Google it. 2-12%. An excellent 'cash' allocation for a world where currency is being redefined.