Nobody is asking the right questions. I'm worried about retirement and want to maximize my savings. I've tried various investments that didn't work out as I hoped, and now I'm unsure whether to invest in the stock market or index funds. Any recommendations would be appreciated.
The stock market is likely the best smart investment. However, if you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
The truth is, the role of an investment advisor can often be overlooked but should never be underestimated. After facing a significant portfolio loss in 2020 during the COVID pandemic while trying to manage my investments on my own, I decided to reach out to an investment advisor. At that time, I had about $126K left in my portfolio. Now, without having to lift a finger, I'm semi-retired, working only 7.5 hours a week, and I'm just 15% short of my $1 million retirement goal thanks to my subsequent investments.
My CFA is Brenda Davies Clarke, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
Don’t try to time the market. Stick with your target asset allocations, and rebalance once or twice each year. Whether the market is up or down. Set it and forget it. That’s it. That’s the ticket.
I had no advisor in late 2002 when things went to hell. Moved my entire 401k to bonds. Left it there until ~2015 when I learned more and realized my mistake. Sold low. Probably cost me $500k to $1M. Still hurts, but I eventually got smarter.
Buffett himself says you shouldn't try to time the markets. Warren is better qualified than most. But it is extremely unlikely that any everyday people will have access to the opportunity Buffett is waiting for. Jumping out of the market in response to what Buffett is doing is foolish. (And given Buffett's age, his cash accumulation MAY be a transition strategy. We don't know.)
Buffet had an army doing analysis for him to make those calls, there is no way a typical investor should try to play in that space, unless you just buy Berkshire stock
Great point, Buffett has some of his own money in Berkshire too. As a direct result, he needs to be cautious with the funds assets because Warren is probably going to “retire” soon. A young person should never follow Buffets financial leads now and they should just continue “dollar cost averaging” their investments.
@@sw6118idiot…..dems and reps are cheeks of the same butt….. nothing changes they are from the same schools, the same clubs, they grew up with each other and all socialize at dinners. Trump was presentment of your country previously, or can’t you remember that far back? No different
My only comment is: Who is your audience. How many are in the $2M category? Or $1M or $500K. I suspect that above $2M don't watch these videos. It's mostly lower income. Target people that are maybe "$20K to $500K. I suspect that they are the ones most needing advice. You say these numbers work for anyone, but use examples way too high.
If you invested correctly throughout your working life you don't need to take as much risk in retirement to stay ahead of inflation. I only need to withdraw 3 percent to continue my lifestyle so I have a more conservative mix in retirement.
I have my own indicator "common sense"! When I have doubled my money or seen stocks increase by $60-100 shar; well that's my indicator. Foolish men stay until the end!
Ted Williams had a .400 batting average. When asked about his success, he reported that he only swings at fat pitches. Probably good investment advice also. It's not smart to short ATHs, but long here is not exactly a fat pitch.
As a retiree, this video really hit home. The tips on preparing for the next bear market are spot on. Anyone else feeling more prepared after watching this?
I do not know when. But I know for sure that the stock market is way overpriced and it absolutely will crash. Leaving a lot of people very distraught. Sooner rather than later
Honestly this vid is nothing but gambling with your retirement nest egg. 70 - 80 % of your money in assets that carry the most risk ? What could possibly go wrong ? Look at the returns of the S&P from 2000 to 2012 - it was ZERO percent. "Sequence of return risk " in retirement - it's a thing. People have such incredibly short memories.
That’s the point of having 70% in assets that are low risk, you don’t need to draw down your equities when markets move into bear territory. I plan on having 2 years of expenses in cash equivalents at all times and another 3 to 4 in fixed income. There are ways to obtain good returns while still protecting your investment.
RUclips channel after RUclips channel pumping up this market. Where are the buyers going to come from. Investors like Warren Buffett understand this, what they will do is wait until everything falls apart and then they'll get right back in there and make a wonderful returns once again well the rest of us lose
@@buckibanker The video had stocks at 70 % of your portfolio in retirement. That is insane . Stocks are not "low" risk, they are very high risk. I noted that the S&P was flat for 12 years , not 2 or 3. A lot of passive investors who recently retired are going the get really hurt in the near future.
@@RonAlfonse-t7y flat isn’t down, there were also years from 2002 to 2020 of .5% to 2.00% fixed income returns, that’s flat for decades against inflation. Where are you going to invest and guarantee a return in excess of your withdraw rate?
@@RonAlfonse-t7y The value of an investment is the present value of the future cashflow. You can choose your investments to get that cashflow as internal compounding and growth when the company puts the cashflow to work, and by that choice you hope the market recognizes that growth and you can sell for a nice price when you need money. Or you can choose investments to get at least some of that cashflow as a dividend direct from the company to you, bypassing the market intermediary and if you chose those investments then you can choose if, when and how to compound. My portfolio grew a lot from 2002 to 2012 - far more than the > 50% drop from 2000 to 2002. After getting burned in 2000-2002 I switched in 2002 to focus on companies that consistently increase their dividend payouts. Now I'm living on those dividends, and do not need to sell anything. In fact I invest some of the dividends every month. If the stock prices go down, that's a good thing - those new investments buy more dividends that will grow in the future. I've also used some dividends to buy growth companies since about 2016 and that has also worked out well.
When Buffett raises all that cash, by selling shares, it means he thinks the stock market prices are too expensive, and will likely drop soon. As stocks fall, he'll begin to nibble at bargains as they appear. Buffett is a proven expert on determining when markets (and individual stocks) are at bargain prices, and when they are greatly over priced. Buffett's actions now (selling stock) indicate a very over-valued market is occurring right now. Buyers beware, the great Warren Buffett is warning you.
Warren Buffets actions are not the only indicator for markets. There will be a correction coming based on past market history and TODAYS economic reality. Add in the Presidential change in the USA, it is a high risk situation with little to no certainty. Retirees stay in investments that guarantee your principal. Your chance for loss recuperation is minimal.
Here is the reality. No one knows. However, selling stock on a new high is how you lose profits. If you sell stock you pay taxes unless you’re in an IRA.
I really appreciate your efforts! A bit off-topic, but I wanted to ask: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How should I go about transferring them to Binance?
The old rat-poison squared guy totally missed the Bitcoin money and still measures his worth in the unlimited elite-controlled fiat currency. He is past his best-before date.
Nobody is asking the right questions. I'm worried about retirement and want to maximize my savings. I've tried various investments that didn't work out as I hoped, and now I'm unsure whether to invest in the stock market or index funds. Any recommendations would be appreciated.
The stock market is likely the best smart investment. However, if you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
The truth is, the role of an investment advisor can often be overlooked but should never be underestimated. After facing a significant portfolio loss in 2020 during the COVID pandemic while trying to manage my investments on my own, I decided to reach out to an investment advisor. At that time, I had about $126K left in my portfolio. Now, without having to lift a finger, I'm semi-retired, working only 7.5 hours a week, and I'm just 15% short of my $1 million retirement goal thanks to my subsequent investments.
Could you kindly elaborate on the advisor's background and qualifications?
My CFA is Brenda Davies Clarke, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
Set it & forget it. I have ADHD so this has worked for me for years.
I am too and your lieing lol
New subscriber. I like that you are balanced and rational rather than dramatic.
Thank you for subscribing. Hope the videos are helpful for your successful retirement.
Don’t try to time the market. Stick with your target asset allocations, and rebalance once or twice each year. Whether the market is up or down. Set it and forget it. That’s it. That’s the ticket.
Thanks for watching!
I had no advisor in late 2002 when things went to hell. Moved my entire 401k to bonds. Left it there until ~2015 when I learned more and realized my mistake. Sold low. Probably cost me $500k to $1M. Still hurts, but I eventually got smarter.
Well done learning and moving forward. Thanks for watching!
They have been saying this for years… so glad I did not sit out
Buffett himself says you shouldn't try to time the markets. Warren is better qualified than most. But it is extremely unlikely that any everyday people will have access to the opportunity Buffett is waiting for. Jumping out of the market in response to what Buffett is doing is foolish. (And given Buffett's age, his cash accumulation MAY be a transition strategy. We don't know.)
You’ll want to review your portfolio, in light of trump’s racist driven incompetence and the isolationist and deliberate ignorance strategy of MAGA.
Buffet had an army doing analysis for him to make those calls, there is no way a typical investor should try to play in that space, unless you just buy Berkshire stock
Great point, Buffett has some of his own money in Berkshire too. As a direct result, he needs to be cautious with the funds assets because Warren is probably going to “retire” soon. A young person should never follow Buffets financial leads now and they should just continue “dollar cost averaging” their investments.
@@sw6118idiot…..dems and reps are cheeks of the same butt….. nothing changes they are from the same schools, the same clubs, they grew up with each other and all socialize at dinners. Trump was presentment of your country previously, or can’t you remember that far back? No different
The last time he did it was right before a crash
My only comment is: Who is your audience. How many are in the $2M category? Or $1M or $500K. I suspect that above $2M don't watch these videos. It's mostly lower income. Target people that are maybe "$20K to $500K. I suspect that they are the ones most needing advice. You say these numbers work for anyone, but use examples way too high.
Warren is just trying to figure out how to take it with him.
thanks for your great video
Thanks for watching!
I would highly recommend that you read the "Great Taking " by Richard Webb and skip the video !
Bingo
This video is 100% marketing
If you invested correctly throughout your working life you don't need to take as much risk in retirement to stay ahead of inflation. I only need to withdraw 3 percent to continue my lifestyle so I have a more conservative mix in retirement.
However you will not not stay stay ahead of inflation
@@Johnny-dp5mu , why do you think that? You don't even know my particulars.
I have my own indicator "common sense"! When I have doubled my money or seen stocks increase by $60-100 shar; well that's my indicator. Foolish men stay until the end!
Ted Williams had a .400 batting average. When asked about his success, he reported that he only swings at fat pitches. Probably good investment advice also. It's not smart to short ATHs, but long here is not exactly a fat pitch.
As a retiree, this video really hit home. The tips on preparing for the next bear market are spot on. Anyone else feeling more prepared after watching this?
Key point is diversification of invesrments.
I do not know when. But I know for sure that the stock market is way overpriced and it absolutely will crash. Leaving a lot of people very distraught. Sooner rather than later
Thank you for your explanations of
these important strategies, it was
most helpful without the drama.
Glad it was helpful!
Of course. Making an all time high doesn’t predict anything. Valuations do.
Sitting out a 150%+ move is equally painful
The " move " was only 5 - 7 stocks NOT
the market
This will not end well.
Buffett has missed a lot of opportunity. But thats the price of conservation investing.
Buffett can have patience but he can’t have time. Large cash holding is the only way Berkshire can potentially make a splash.
Honestly this vid is nothing but gambling with your retirement nest egg. 70 - 80 % of your money in assets that carry the most risk ? What could possibly go wrong ? Look at the returns of the S&P from 2000 to 2012 - it was ZERO percent. "Sequence of return risk " in retirement - it's a thing. People have such incredibly short memories.
That’s the point of having 70% in assets that are low risk, you don’t need to draw down your equities when markets move into bear territory. I plan on having 2 years of expenses in cash equivalents at all times and another 3 to 4 in fixed income. There are ways to obtain good returns while still protecting your investment.
RUclips channel after RUclips channel pumping up this market. Where are the buyers going to come from. Investors like Warren Buffett understand this, what they will do is wait until everything falls apart and then they'll get right back in there and make a wonderful returns once again well the rest of us lose
@@buckibanker The video had stocks at 70 % of your portfolio in retirement. That is insane . Stocks are not "low" risk, they are very high risk. I noted that the S&P was flat for 12 years , not 2 or 3. A lot of passive investors who recently retired are going the get really hurt in the near future.
@@RonAlfonse-t7y flat isn’t down, there were also years from 2002 to 2020 of .5% to 2.00% fixed income returns, that’s flat for decades against inflation. Where are you going to invest and guarantee a return in excess of your withdraw rate?
@@RonAlfonse-t7y The value of an investment is the present value of the future cashflow. You can choose your investments to get that cashflow as internal compounding and growth when the company puts the cashflow to work, and by that choice you hope the market recognizes that growth and you can sell for a nice price when you need money. Or you can choose investments to get at least some of that cashflow as a dividend direct from the company to you, bypassing the market intermediary and if you chose those investments then you can choose if, when and how to compound.
My portfolio grew a lot from 2002 to 2012 - far more than the > 50% drop from 2000 to 2002. After getting burned in 2000-2002 I switched in 2002 to focus on companies that consistently increase their dividend payouts. Now I'm living on those dividends, and do not need to sell anything. In fact I invest some of the dividends every month. If the stock prices go down, that's a good thing - those new investments buy more dividends that will grow in the future. I've also used some dividends to buy growth companies since about 2016 and that has also worked out well.
Why if the buffet indicator is at a record high does that mean-the market is overvalued?
When Buffett raises all that cash, by selling shares, it means he thinks the stock market prices are too expensive, and will likely drop soon. As stocks fall, he'll begin to nibble at bargains as they appear. Buffett is a proven expert on determining when markets (and individual stocks) are at bargain prices, and when they are greatly over priced. Buffett's actions now (selling stock) indicate a very over-valued market is occurring right now. Buyers beware, the great Warren Buffett is warning you.
Warren Buffets actions are not the only indicator for markets. There will be a correction coming based on past market history and TODAYS economic reality.
Add in the Presidential change in the USA, it is a high risk situation with little to no certainty.
Retirees stay in investments that guarantee your principal.
Your chance for loss recuperation is minimal.
Let’s face it if I were in my 90’s what could possibly be the downside of holding lots of cash notwithstanding his younger investors 😂
The beauty of investing is that it is NOT like simple math of 2 + 2 = 4.
More than one way to skin a cat!
Long term bonds drop no matter what happens to interest rates.
There is no fool like an old fool. Money is an illusion, it is here today and gone tomorrow.
Thank you.
You're welcome!
Here is the reality. No one knows. However, selling stock on a new high is how you lose profits. If you sell stock you pay taxes unless you’re in an IRA.
Warren is preparing for his passing
Are not most sensible people?
He's probably buying bitcoin, finally....
Greed and ignorance at its best?
I really appreciate your efforts! A bit off-topic, but I wanted to ask: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How should I go about transferring them to Binance?
Nobody is picking up the BS you’re laying down.
Hes pulling cash to be ready to buy when trump takes office
How did that work out in 2016? Everyone on the left predicted a crash if Trump won. Didn't happen.
The old rat-poison squared guy totally missed the Bitcoin money and still measures his worth in the unlimited elite-controlled fiat currency. He is past his best-before date.