Biggest lesson i've learnt in the stock market is that nobody knows what is going to happen next, so practice some humility and follow a strategy with a long term edge.
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.
Uncertainty... it took me 5 years to stop trying to predict what bout to happen in market based on charts studying, cause you never know. not having an advisor guide me cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
I've seen people make seven-figure profits in both declining and rising markets; it all depends on the information and methods used. There is no doubt that the recession and crisis haven’t benefited some people significantly.
It's one thing to have the essential technique to profit in this market, but having access to exclusive market knowledge that isn't given to the public is quite another, which is why the pros are smashing it this time.
I try to see a financial coach before making any investment decisions because of this. I've been using one since the pandemic outbreak because their entire business strategy is based on trading long and short at the same time, employing profit-driven strategies and reducing risk as a safeguard against unavoidable downtrends. Furthermore, because they have access to insider information and analysis, it is practically impossible for them to perform poorly. I made over $2 million after nearly three years of training with a coach.
I have been involved in all of them for a very long time, even though I won't pretend to have made or lost a fortune in any of them. If you know of a specialist who offers a range of financial options, please let me know. You can count on hearing from me.
Funny that you brought that up since I completely understand. Look into Annette Christine Conte ; she received a lot of press in 2020. I'm not sure I can put this into words. My portfolio is also managed by her.
She piqued my interest, so I looked her up online. I discovered her website, which extols her successes and demonstrates her skill as a financial advisor.
I’ve seen some comments from major investors raising concerns about the stock market recently. My main worry is that my $600K stock portfolio is still bouncing back from a dip-how should I approach these tricky situations?
Diversification and a thorough understanding of the market dynamics are crucial, especially during periods of uncertainty. Keeping an eye on both the positive and cautionary signals can help investors
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
I’m gonna tell everyone a secret. Your stock portfolio will go up and will go down. And here’s the kicker, sometimes a lot. And No One here on earth knows when. End of story.
A key factor often overlooked is that over 25% of new homes are being acquired by investors, rather than individuals seeking primary residences. Even if Baby Boomers decide to offload their properties or more housing stock enters the market, it won’t alleviate the underlying issue. Wealthy investors will continue to absorb the available inventory, which will keep home prices elevated.
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.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Carol Vivian Constable’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
It appears that Azul is transitioning to a ‘you tuber’: Click bait titles, but standard content when you watch. Videos every day. Listen, the content is reasonable, don’t get me wrong. I just am not fond of the overuse of click bait titles
Yeah. He has provided absolutely sound financial advice for a while. But more and more, it seems like he’s consciously going into doomer and hype mode for clicks.
He’s becoming Mr. Doom and Gloom. I find that when RUclipsrs aren’t trying to post multiple times a week, they tend to have better content. When content suffers got to use the clickbait.
@ I hear you. With all RUclipsrs, I try to have that filter on for when they go into clickbait/extremist mode. Azul has been a breath of fresh air for a long time. I’m just grateful for how much good insight he’s provided us for free for such a long time. His investment advice is absolutely bulletproof. And he is highly sensible, more than any other financial influencer I’ve found. I have to add that his points about GDP and Warren Buffett pulling out are valid. And, overall, he does still seem fairly grounded by the end of these videos where he just advises us to be prepared and make sure our asset allocation is prepared for a major correction. But the way he’s starting to sell it (“something terrible is going to happen”) is frustrating and can incite panic.
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear that you saved me from huge financial debt with just a small Investment, thank you Jihan Wu you're such a life saver
As a beginner in this, it’s essential for you to have a mentor to keep you accountable. Jihan Wu is also my trade analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
Jihan Wu Services has really set the standard for others to follow, we love him here in Canada 🇨🇦 as he has been really helpful and changed lots of life's
I'm favoured, 90K every week! I can now give to the locals in my communities and also support God's work and the church. God bless America,, thank you Mr Jihan Wu😊🎉
This is crazy! I’ve been watching the market do some wild things lately, and now I’m feeling like I’m sitting on a ticking time bomb. I’ve got $332k in savings, and I’m thinking about making some moves, but with all the talk of a potential crash, I’m torn between jumping in and playing it safe. I feel like I need some sort of protection for when things start to tumble which my guts tell me is very soon.
Oh, I hear you! The market is super volatile right now, and having that kind of money on the sidelines can feel like a missed opportunity, but trust me, you might wanna talk to a pro first. Picking which thing to invest in is the least of my concerns when working with good FA. I started with just winging it and, uh, let’s just say I learned the hard way. Ever since my portfolio has been under management, and it was a game-changer!
I feel this hard! I’m also thinking I need to get an investment advisor to avoid rookie mistakes, but I have no idea where to even start finding one. Any recommendations? I’m lost in the finance jungle here!
I work with Amanda Mary Thome. Investing with her has been a different ball game entirely so different from the stale methods of managers I’ve worked with in the past. She has a large following and is easily found online.
Apt!! I was self-managing my portfolio but suffered heavy losses in 2022 and I knew I couldn't continue like that, so I consulted a fiduciary advisor. By restructuring and diversifying my $1.2M portfolio I significantly boosted my returns. Last year I achieved an annualize gain of 48%.
Stock markets pushing deeper into all-time highs, Institutions are buying billions of dollars worth of Bitcoin in a matter of weeks, bitcoin halving occurred on the 05th of Dec 2024 and yet people can't see we're heading to a new ATH. I think we will see 120k at most this circle.
Cryptocurrency is booming, particularly giants such as BTC and ETH. However, the market's rollercoaster nature is putting even the most seasoned investors to the test. This is why we should look for proper market analysis or seek guidance from certified market strategists.
A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Veronica Hoy
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
I think Charlie Munger was quoted as saying, when the stock market is at its peak, things are never really as good as they seem, and when the stock market is at its bottom, things are never as bad as they seem.
When you have the money he had, that is true. What we call a fortune, he called spare change. He had so much money that when he was in a cheaply paying investment, what he made in a day, he couldn’t spend in a month. But I get your point
I welcome a recession, it's better than having people burn through their life savings because everything is too expensive .. more and more people are becoming homeless these days .. the worst case scenario is already happening to people
@@TravelTechie415 I agree. The market needs a big downturn so people can afford to invest, and get in at the bottom. It sucks for those cashing out, but thems the breaks.
From $10K to $110K that's the minimum range of profit return every week I think it's not a bad one for me, now I have enough to pay bills and take care of my family
How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, l want to retire in a few years and I need a better diversification
I'm celebrating £32K stock portfolio today... Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family and life ahead of me.
Being 60+ and having tax deferred accounts I have decided to get out this year. I like where I am at and huge gain will not change my life much but a huge drop will. If I was twenty years younger I would just keep buying carefully every month.
That makes sense. I'm 56 and still have at least 10 years to build a portfolio. My aim is to partially live off dividends. But I follow Jack Bulger, Warren Buffet and Peter Lynch's advise. Time in the market beats timing the market. As I approach retirement I will also reduce my stake in equities but even in retirement I will still own stocks and be collecting dividends
That's me at 67. Treasuries, CDs, and money markets all near or over 4 percent. Can't beat the guaranteed amount at no risk. Still playing with about 25 percent of portfolio in stocks myself. Sleep good. Absolutely no stress. 😊
I anticipate positive growth in the markets for 2025, and I'm considering investing $220k in stocks for my retirement plan due to recent rate cuts. Could you provide guidance on executing this investment safely? Additionally, are there any crucial tips or changes I should be mindful of in the current financial landscape?
If you're new to investing or not very experienced, it's wise to seek advice from an expert. Investing without proper guidance can result in mistakes and losses, and I've learned this from my own experience.
I agree with you, since the market became extremely volatile and pressure increased (I should be retiring in 17 months), I took the decision to work closely with a financial advisor. It has already been 9 months and counting, and I have made approximately 600K net from all of my holdings.
My CFA is Judith B. Richards, 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.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
Time is so important in the market. Timing the market is challenging, even for the most experienced investors, but staying informed and consulting a financial advisor can provide invaluable insights during unpredictable times.
As they say, 'time IN the market is better than trying to time the market'. I think you should seek advice from a licensed financial advisor. They'll give you guide on high risk and low risk investment strategies for your portfolio
Straight up, I'm in line with having an CFA oversee my day-to-day investing cos, my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio has 3X in 2 months, summing up nearly $1m as of today
I searched for his name online and found his website-it’s very informative, and his educational background is impressive. Thanks for the recommendation!
You're right, the best time to buy in the market is when there's fear. A huge part of my growth has also come during the bear market. This last year alone, I have scaled from 180k to over 354k.
It's crucial for individuals to diversify their portfolios, seek professional financial advice, and stay informed about market trends to navigate and not miss what's coming.
Biggest lesson I learnt in 2024 in the stock market is that nobody knows what is going to happen next, so practice some humility and follow a strategy with a long term edge.
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.
Uncertainty... It took me 5 years to quit attempting to forecast what was going to happen in the market based on chart analysis, since you never know. Not having an adviser lead me cost me 5 years of suffering. I learned to go where the market wants to go while being basic and disciplined.
What I don’t understand is, on one hand we are told the stock market will crash and yet on the other we are told ways of investing in the stock market. Oxymoron or paradox? I'm considering investing over 150k, but I'm uncertain about risk mitigation strategies.
Not a great April so far but if you step back and actually look you will see the S&P 500 was up for the first Quarter. In the last 30 days, my IRA saw a gain of $70k. You might also consider financial advisory looking at your capital
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Terri Swayne for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Crash or no crash, when everything is pushing ATH, it's time to start trimming some of the fat and increase dry powder. looking at the growth projections of 7-figure portfolio I can't tell where the market is headed, Do i hold on or perhaps I should just sell off assets and avoid the panic?
Such uncertainties are the reasons I don’t base my judgement on a ''heresay'' , 2020 had me holding trash stocks, but thankfully revamp my portfolio through the aid of a pro before seeing significant gains. To date, I've scaled up nearly 320% ROI. it's been 4 years and counting. I and my advisor are working on a 7 figure ballpark goal and we're not far.
I've stuck with ‘’LAUREN MICHELLE COMER” for years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
I just checked her website, and I’m even more impressed! The range of financial strategies and resources she offers is amazing. I can see why so many people trust her with their investments-looking forward to working together!
I used to think it was just about buying stocks, but I didn’t realize there are strategies for managing risk and actually making a profit. Now I feel kinda stuck since I’m not seeing any gains in my portfolio. Do you have any recommendations on what I should consider? I’d really appreciate it!
It's not just about having money to invest in stocks; it's about knowing the right strategies for profit and managing risk. That's why working with an investment advisor is important-they have insights not available to everyone.
I totally agree with you. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $160k. I then invested that money with an analyst, and in just seven months, I made almost $380,000. It's amazing how having the right guidance can turn things around!
My CFA is Kellystefflonn, 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.
I remember the "FEAR FOR SALE" when the S&P was going to break 3,000, then 4,000, OMG a NEW ALL TIME HIGH. Guess what kids, everything is at a "ALL TIME HIGH", compared to when my Parents/Grandparents were just starting out; House Prices, Car Prices, cost of a Gallon of Milk & Gas, Eggs, Movie Tickets, should I keep going. Guess what is also at a ALL TIME HIGH; Salaries, the Size of houses we own, how many toys and vacations we Americans have/take, etc.... I will take today, any day over how my Parents, (who both had pensions) and my Grandparents lived.
I agree with everything you say here but the two big (relative) difference with current generations is the costs of both college and houses…both now take a much higher % of average income (adjusted for inflation) than a generation ago. Too much for this post, but I believe this is mostly because of govt policies. So, yeah mostly everything is better now but I do think people in the 20-40 generation have had a higher barrier to entry into two key aspects of “success”.
very true, you often hear how a first home in 1983 was only 3 times the average salarie now its like 7 or 10 times or something. In 83 a starter home was 2 bed 1 bath with an eat in kitchen and if your lucky it has HVAC no garage no basement. Now its got to have 3 bedrooms a great room, dining room a den, an office the bathroom has a whirlpool and and waterfal shower his and her vanities heated floors etc etc. its not comparing apples to apples
Wow, my exact thoughts too. I had to make sure it wasn’t one of my own replies 😂. What you said , young people should know this is the reason to invest in companies i.e. stocks . Stocks of companies increase over time with inflation or they’d go under. There 3as a little saying I heard about 30 years ago and it seems to be pretty much accurate. It’s about interest rates controlled by the Fed’s. Interstes High stocks will die, interest rates Low stocks will grow. As the Fed raised interest rates stocks tumbled too, since they started losing them stocks rose.
@@markweaver3838my kids are in their early 30’s. My son in law works only about 140k/year. Both have paid off college educations, I paid 3/4 of my daughters and my son in law paid his own. Both worked through college and went to state colleges. They both got gifts of cars from parents . They have zero debt besides a mortgage. Bought 1st home in their late 20’s, 20% down. House was 320k, 1 1/2 year later they sold it for 420k. They bought up to a 500k next home at 31. That now is worth 600k. They’ve done this on their own 100%. His job is stable , they are trying to have a baby so the choice for his wife/ my daughter is to stay home. So government policies didn’t hurt them at all. As a matter of fact if I asked them about any government policy they would ask me , what are you talking about we run our life we don’t run the government. We can only control our finances and policies we don’t even want the government to step in and control ours. They ain’t doing so good. If you wanna be wealthy and you’re healthy , young, ambitious and set goals . You won’t make excuses for your circumstances. End of story.
I subscribe to several professional publications, but you, sir, are my muse. You unselfishly share brilliant insights about what is going on that others ignore. Oddly, while others are listening to music and books online at the gym, I am listening to you. I'm retired, all this is very helpful. Thank you!
Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $260K for sometime now, my major challenge is not knowing the best entry and exit strategies... I would greatly appreciate any suggestions.
the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
I've been investing in stocks for a while now, and it's been a significant part of my retirement portfolio. Diversification is key. I've had success with a mix of growth stocks and dividend-paying stocks. However, staying informed and regularly reviewing your portfolio is crucial. Have you considered consulting a financial advisor to help guide your stock investment strategy?
That sounds like a solid approach. I'm looking to dip my toes into stock investing as well. Do you have any recommendations for a good financial advisor who specializes in stock market strategies?
‘Jessica Dawn Walters’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Yup i put it all in XAI510K, literally more money i thought i even had 💀, i seen people sell their car put it all on XAI510K and double their money. Scared money dont make no money 😤
The complacency in many of the responses to this video is yet another sign that the market is overvalued. Azul isn't saying "SELL," he is saying that you consider whether you are ready to weather the next market crash. Can you withstand a 30% decrease in the stock market? Do you have sufficient income and an emergency fund to weather the next crash? Especially if you haven't experienced this before, it is easy to become greedy or complacent. It's just sound advice to be prepared when the market is hitting all-time highs - never mind the unpredictability of politics at the national and international levels.
Your input has helped me recently decide not to sell my mobile home park but instead clean it up and maximize the opportunity to cover more than half of my living expenses with an asset class that doesn't follow the stock market. Thank you!
I Hit $32,590 today. Thank you for all the knowledge and nuggets you had thrown my way over the last week. i started with 5k in last week 2025... now i just hit $32,590
Same here waking up every 14th of each month to 57,000 dollars it’s a blessing to I and my family… I can now retire knowing that I have a steady income❤️Big gratitude to Ms Evelyn Vera
How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, I want to retire in a few years and I need a better diversification
@@harrychu650 And thats just it. They are not necessarily the "finest" businesses and indeed they are concentrated in one segment of the market. IMHO this presents a skewed version of the market and greatly increases risk.
@Dweeble233 There can be no dispute that the Mega Caps have fortress balance sheets with effectively no debt while the S&P is littered with debt encumbered businesses and some number of zombie companies. What you are suggesting is that informed investors should democratize their investments decision rather than invest in the finest balance sheets and business opportunities. This media narratives doesn't withstand scrutiny.
If you are not prepared for your holdings to go up and down as much as one-third (33%) I don't know why you're investing. But a crash happens when clueless nervous Neds and Nellies panic at the slightest downward tick in value. Buy and hold, buy and hold, buy and hold. And don't be a Ned/Nellie.
Like the videos but the stock market always crashes at some point and then it comes back…this is not new. Your point is correct, people need to assess their risk tolerance and their asset allocation in relation to their age, retirement timeline, etc.
I feel investors should focus on under-the-radar stocks, considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises plummeting stocks that were once revered. I don't know where to go here out of devastation.
Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.
Yes. It is very easy to buy in on trending stocks but the problem is knowing when to sell or hold, which is why a coach is important. I've been in touch with one for about a year now and although I was initially skeptical about it, I will say I've made more progress within a year generating 6figure profit
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
My CFA, Laurel Ann Watkins, is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
If memory serves me correctly the last major downturn of the market involved bonds dropping at about the same rate as stocks so the balancing of a portfolio didn't really make too much difference.
it is because the stock market only rises because of the low interest rates fueled by the printing press of the national banks. meaning lower bond prices cause lower stock prices now
Trading success isn’t just about technical analysis skills. It’s also about discipline and emotional maturity. Remember, it’s not about being in the market at the right time, but rather about being in the market for the right time. Thanks to Sophia Haney’s wisdom, daily trade signals, and my commitment to learning, I’ve been seeing steady increases in my daily earnings to more than 16BTC. Keep up the great work!
I hope this inspires someone to start investing today, regardless of age. I wasn’t financially free until my 40s, but I’m still in my 40s with a third property, passive income, and four of my five goals. Investing in the financial market was a wise choice. Thanks for sharing this incredibly inspiring video!
Diversify your income streams to boost your earnings. This year, I’ve successfully done this by investing while I work. I invested through Sophia Haney, the CNBC anchor who often mentioned her. She invested my startup capital in less than three months after getting certified.
I have been quite cautious to get involved in this specific industry, but I believe that this is the perfect time to do so. I went to a seminar where the speaker discussed how lnvesting in cryptocurrencies may result in gains in the near future of well over $4.5 million. I have to know which coin to buy with.
I invested across major markets and follow Sophia’s rules, a great financial advisor. My portfolio has grown by 20-30% monthly while my IRA stagnates. Her exceptional diversification skills have not limited my portfolio to my choices; they reflect her placements. She provided me with financial independence.
That’s great! Your investment advisor must be excellent. I’ve read about people who improved their financial stability with investment advisors. Can you tell me who your broker is? I have $500,000 set aside for the stock market to boost my income.
over the course of 4 year the stock market has gone up; therefore it will go up again and go down. over 10 years the stock market win if you buy decent stocks. I think an S&P 500 index fund is about as good as it gets. And if you only need 3.5% of your investment to withdraw per year to live, so it goes down.
Inflation is the primary driver. Azul, you should adjust the gains for inflation and present that info. The % increases look ALOT smaller after doing so
I agree. If you need a percentage in bonds, now is the time to make that change. I plan to stay in stock for my life time. Using cash as my protection.
❤️🙏I was lost financially until I prayed for a breakthrough. Inspired by Joyce I took a chance and soon earned $15,000 🙏a week! This transformed my finances and confirmed God's presence in my life. It taught me that with faith and perseverance, anything is possible.
This reminds us of the importance of setting an asset allocation we are comfortable with and re-balancing back to the this level annually. Yes, re-balancing your portfolio, especially during a bull run, may incur tax on the realised capital gain but think of it as insurance with the pay-off being as in a position to re-balance back in at a lower cost later on.
If you are 20-30 years old, set it and forget it. But at age 67, this is something to worry about. I put 65% in money market in mid December. So far, that's not lost me anything. It probably will at some point, but I am fine with holding at 4-5% for now. After the crash I will go back in -- to stocks or maybe T bonds if yield rates go way up, which IMHO is likely as inflation is coming.
If you're up 4-5% then you're still gaining. But if a person loses 30% or more in a possible correction then they are (really) losing. I like your slow n steady approach. I'll probably do the same in 2025/26. The one exception tho is - I might dabble in mining stocks such as copper. When Trump announced a $500 Billion initiative for AI & Elon keeps talking up copper, you know there will be a lot more investment in the mining sector. Not just 2025 but in the coming years. Gold & Silver will probably be a hedge against inflation that tariffs will cause.
I’ve been an investor for more than twice the time that you’ve been an investment advisor. Your advice is generally good, I just don’t like the clickbait.
I think this is reasonable. As it goes up.. every 5% up transfer more into high interest or bank notes (tradable on the stock market) to protect from the worst of the crash. Just accept we cant pick the top. My old man does well on stocks and has been gradually pulling out in preparation of the pull back.
Good point for overall market. But consider - IWF (Russel 1000 Growth) has a forward PE of about 29. But SCHD (basically a value index with SEC yield of 3.8%) has a forward PE of 13. The S&P composite is about 22.
To stay relevant in RUclips Land you have to publish weekly. So, one week you have a happy face with an up-story, the other week a down story with a sad face. Just like the stock market.
The key is having more than you need to survive. For example if there’s a 30%-40% drop in the market. It would still sustain your living expenses. On the years your stocks are up have some cash buffer so you can save 2-3 years without touching the portfolio. It will come back for sure.
Its overvalued. Most advisors tell us to set our allocation based for risk tolerance and reallocate up and down. Are you advocating something different?
Well, I picked the challenge to put my finances in order. Then I invested in cryptocurrency,stocks,through the assistance of my discretionary fund manager, Mr Marion Robert
@@Michaeljordan145 Yeah Marion Such a genuine personality!! He is really a good investment advisor. I was privileged to attend some of his seminars. That’s how I start my crypto investment.
Robert platform maintains a unique perspective and is very transparent with their investors. Regardless of whether or not he outperforms. I will forever stay invested!
I spread the risk; some 50 % in stocks and etf’s and some 50% in a lot of different baby bonds and preferred stocks with annual some 8%. Babybonds and preferred stocks are not very volatile because they are worth nominal 25,00 on call date or maturity date and pay you 4x times a year the percentage of the coupon. Of course one company could go bankrupt, that’s why you have to pick some 50 preferred and bonds from solid companies with a good market cap and not a lot of debt. For 6-6,5% you could go for the safest options Morgan Stanley etc. Then if there is a big crash, you can always sell some of the bonds or preferreds to buy stocks on a great discount, bonds and preferreds will not crash.
@megguardio5676Haha, that’s your opinion based on your sentiment. It’s more likely than not that the whole of 2025 will provide a bumper return. We haven’t even hit the euphoria stage yet, now is a time to get more sidelined money into the market!!
CD's, T-bills, put money into an asset you can control - like a business or yourself (learning new skills), another option is paying down debt (like mortgage, but take a hard look at your rates first and mix that with risk of something like losing your job vs paying it off early). I'm not a pro... someone else please chime in!
@ good ideas. I pay a rent and education money goes to kids 😁. I have been disappointed in the past by ‘conservative’ assets that stayed flat while stocks went up, and went down as stocks went down… I guess I’ll setup another meeting with my financial advisor.
@ I'm around 50% into stocks right now - holding liquid cash because I'm betting on a drop in either the housing market and/or stock market. I'll re-invest one I see them plummet. If not, then I will lose out over the next few years, but it's a risk I'm willing to take at the moment. Good luck!! No one knows what's going to happen for sure.
I hate watching RUclips videos because of this. I constantly feel like I need to do something right now but what? The stock market is always going to crash. I should just stay away
That's when artificial props began. Infinite money printing. Asset thus inflate. Once the interest payments on the debts exceeds the debt itself, I suspect then the bubble will pop.
Something terrible they said was happening at the beginning of 2024 too and my portfolio gained 600k from Jan.- Dec.. I didn’t think that was so terrible. Could have been worse. IMHO
@@ScooterOnHisWay2024if I said my portfolio increased by that time period of Jan. 2024 to Dec. went up over 40%. It would be like okay . But when I put a number to it . Then hopefully younger people mostly will see aah okay, even though there’s gonna be scary headlines to grab viewers, I should stay my investing course and ignore the outside fortune tellers.
@@dennispekala7675yes sir congratulations to you also. I didn’t even do much to my portfolio besides sell some garbage stocks that I foolishly invested in about 4 years ago. It wasn’t for tax purposes because it’s in a self directed IRA it was just to get that ugly red out of my account finally and put whatever was left into something good. Now I did teach myself selling only, Cash secured Puts & Covered Calls. No buying just the selling for added income which wound adding a little over 100k at years end. Do you do any of this ?
In an investing journey there will be ups and downs, trying to avoid the downs is a fools gain. Keep your money in the market and have a long term strategy. Don’t try to time the market.
Financial deals get done when the markets go up and down. No deals get done in uncertain markets. New administration is bringing uncertainty. Not being political jut rational.
So what do I do with my stocks - sell them and buy more bonds? Or put them into cash? What is the strategy if one decides to make this change at some point?
One of the difficulties is the stock market is at-or-near all-time highs nearly 85% of the time. If you use that as an excuse and stay out, you miss massive upside. The statistics bear this out. For my two cents I avoid individual stocks, buy index funds (in my case just the S&P and one tech index), and I have 3 years worth of full retirement money in savings (high yield) and CDs (some do treasuries or bonds). That 3 years worth of money could last me for 5 years easily. Finally: I don't watch daily, and only check-in quarterly when I have to make a disbursement to myself. You can't retire happily if you are basing your retirement on day-to-day moves.
Yep. I forget the statistic, but when you see an all-time high, there are typically another 12 or more sometime around it. They come in bunches. I keep 2-3 year's worth of "cash" which for now is CD's. The rest is direct indexed, so stocks, but they generally match the index. I do pay an advisor (a lot of money) to handle this, but they did cover their fees, and I got a little over the index. I don't have any bonds. My theory is that over time, stocks beat bonds, so with a little luck my cash-on-hand strategy should hold me over a correction and the majority of a crash. My levers to pull if things get bad are starting my pension, starting SS (in a couple years), and stopping Roth conversions to reduce current taxes.
Thank you for your videos. Timing the market not typically a good idea. Can you please talk about the M2 money supply and how it relates to the S&P 500.
So sell everything now, stocks and bonds? Put them into cash and sit for 6 months and wait. When the market drops, buy again. It'll go up and you'll make money. Is that what you are suggesting without saying it? Azul?
@MLovesacoffee I think he would think reducing your risk but not completely exiting the market. Because just in case the market keeps going up for another 1 or 2 you still have some exposure. But if it crashes 30% you might only be down 10 to 20% overal and increase your risk as the market goes down.
I was 100% stocks. I just began allocating 20% to bonds and 80% to stocks but I also increased my contributions by 20%. I am also considering moving 1% to 20% of my current balance to stocks. In this way I have a pool of money that I can dump back into the market if it plummets. If a market crash does occur, I will take additional advantage by maximizing my contribution until it recovers. This may mean subsidizing my income from savings. That's my current plan.
Asset allocation for IRA's, 401K, 403B, & 529 plans is important, depending on when you plan on using the funds. The average person should not pull their money out of the market out of fear.
Is "growth" overvalued (compared to "value") and more at risk of severe pullback than "value"? Is the concentration within a few stocks within the S&P 500 Index funds a risk? If so would another type of "index" fund be less at risk such as "Mid Cap" ? Are bond funds a better value now that interest rates are higher than they were shortly before the recent "bond bust" ?
Same, I met Elizabeth stark last year for the first time at a conference in Wilshire, after then my Life has changed for good.God bless Elizabeth stark
I'm not sure the Buffet rule is good to use as a comparator to the 1950's. Almost all successful companies in the US have become international, so much more of their value is derived from overseas business, which drives GDP in other countries.
The problem is bond funds aren’t safe either with inflation. Look at 2022. If I sell some stocks to get back to asset allocation where’s the best place to put it? Currently 68% stocks/32% bonds/cash. 59yr old, figure should be 60/40 but not sure bonds are the place to be either right now.
If you have a retirement account you are an investor. An investor must develop a mindset that can handle the ups and down of prices quoted daily on Wall Street. Volatility is not risk in itself. Permanent loss of your investment IS risk. They are not the same thing. If you can not handle a 50% ( temporary) decline in the value of your investments once a decade than you should be in treasury bills and not stocks. If you get out before a decline odds are you will be too scared to buy back in near the bottom. More likely you will sell after a big decline and buy back in after the market has recovered. Thus missing out on any benefit in this exercise. Have enough available cash to weather a few years when the market is washed out and stay invested when markets decline. This must be your mindset to be a good investor. Think about it like you do about your house. Do you sell when the price goes up? Do you panic and sell when the market goes down? Of course not. Think the same way about your investments. 😊 The price quoted on your stock investments and their value are not always in harmony. The beauty of stocks is that mostly the value grows over time. This is why we choose equities over bonds. Remember price of smooth returns is a low return.
can you be more depressing for the last how many months? you are adding to fear. yes markets will crash 10% but I wonder how many people are selling parts of their PF etc. I know misery is like click bait but still.....
It all depends on your age and how close to retirement you are. We are retired, so we are less invested in stocks now. We made much riskier investments when we were young.
Institutional investors are selling, retail investors and European retail investors are entering. AT THE TOP ! Flee in the opposite direction. Do what Buffet is doing selling, piling cash and waiting.
I think the Buffett indicator has a flaw. The total stock market value accounts for all the assets, goods, reserves and revenues the US companies have accumulated up to now and that includes everything the companies own abroad but the GDP only considers the value which has been produced in the US during the last year. Therefore the denominator and the numerator have both different geographical scope and different time scope.
I've been pulling back on risk for a few months now. Sold some stocks while they were high that I did buy low. Of course, they've gone up since then. But I don't regret it. Tucking the funds into safer pockets has felt good. A few more tough decisions to make though...
"but first we need to understand where we are..." Correct, We are at the beginning of a presidency with a very successful pro business, pro growth Commander in Chief. This is completely new to the US and the World! We are also at the dawn of a new technology, AI that will completely change the world! Similar to the dawn of the Industrial age. This administration has embraced the top business titans and tech titans and we are at the beginning of a new economic "Golden Age". The old financial rules don't work in this paradigm. Buckle up!!
“All time high” means nothing. The trend is generally up over time anyway, with some bumps along the way of course. All time highs happen all the time. The other metrics might be more useful
Azul is right! I will comment, it will go down at some point. That's good bc it's healthy to do so. Save cash and put it in the market when it does go down. Usually there's a 2-4 week window to see it and get back in. It has always gone back up. No one special speaking here but that's what happens looking at all of market history.
I still believe no one ever got hurt taking a gain. So I do; putting it into principal protected fixed interest assets. It's not always how much one makes but rather, how much one doesn't lose. When the correction comes my RMDs will be lower and that will be fine for me..
The longer any valuation goes up, the more the pain of not doing so is forgottsn with time. Amd why should there be pain at a bunch of numbers going down? Are the colors controlling us on a subconscious level? Or are we somehow the money we see ourselves as loosing? In addition to investing, its always a good idea to buy something that will improve or correct your life so when markets tank, you have your mental stuff together to buy at the bottom, rather than making it all about you while this ever mysterious pain takes center stage.
Invest in growth companies that have a good balance sheet with outstanding CEOs. Have emergency funds for 2 to 5 years if possible. When market is down buy more via DCA. Idea is not to miss the upward spike in portfolio stocks.
I went to 50/50 stock/ cash some years ago due to same idea. Advisors focus on helping a client sleep better at night by diluting their stock portfolio with bonds. Instead of helping them deal with the potential for a 50 percent correction they focus on avoiding it. The only bonds or cash needed is for the emergency fund - the number of years worth is what will help an investor sleep at night. I realized this way too late. As in yesterday at age 59 after it was far too late for me.
I'm curious to know your allocation? You don't need to advise us but it would be good if you tell us how your are preparing your own portfolio. I'm 55/45 but my conservative 45% is not in long term bonds. I have corporate bonds and treasuries right now. I also keep a substantial amount in cash so that I have time to ride out a multi-year mess in the market. As I'm retiring this year, I will be going to 50/50 to try to protect my assets. I'm also moving out of the country to lower my cost of living including healthcare.
Biggest lesson i've learnt in the stock market is that nobody knows what is going to happen next, so practice some humility and follow a strategy with a long term edge.
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.
Uncertainty... it took me 5 years to stop trying to predict what bout to happen in market based on charts studying, cause you never know. not having an advisor guide me cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
Could you kindly elaborate on the advisor's background and qualifications?
Just research the name 'Annette Marie Holt . You’d find necessary details to work with a correspondence to set up an appointment.
I searched for her name on the internet, found her page, and reached out via email to schedule a conversation. Thank you.
I've seen people make seven-figure profits in both declining and rising markets; it all depends on the information and methods used. There is no doubt that the recession and crisis haven’t benefited some people significantly.
It's one thing to have the essential technique to profit in this market, but having access to exclusive market knowledge that isn't given to the public is quite another, which is why the pros are smashing it this time.
I try to see a financial coach before making any investment decisions because of this. I've been using one since the pandemic outbreak because their entire business strategy is based on trading long and short at the same time, employing profit-driven strategies and reducing risk as a safeguard against unavoidable downtrends. Furthermore, because they have access to insider information and analysis, it is practically impossible for them to perform poorly. I made over $2 million after nearly three years of training with a coach.
I have been involved in all of them for a very long time, even though I won't pretend to have made or lost a fortune in any of them. If you know of a specialist who offers a range of financial options, please let me know. You can count on hearing from me.
Funny that you brought that up since I completely understand. Look into Annette Christine Conte ; she received a lot of press in 2020. I'm not sure I can put this into words. My portfolio is also managed by her.
She piqued my interest, so I looked her up online. I discovered her website, which extols her successes and demonstrates her skill as a financial advisor.
I’ve seen some comments from major investors raising concerns about the stock market recently. My main worry is that my $600K stock portfolio is still bouncing back from a dip-how should I approach these tricky situations?
Diversification and a thorough understanding of the market dynamics are crucial, especially during periods of uncertainty. Keeping an eye on both the positive and cautionary signals can help investors
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
*Merissa Lynn Babula* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
I’m gonna tell everyone a secret. Your stock portfolio will go up and will go down. And here’s the kicker, sometimes a lot. And No One here on earth knows when. End of story.
Members of congress know; that’s how they make oodles. lol
@@citizen3902 of course the super rich get inside info. I’m speaking of my experiences personally after 40 years in the market
OP: Amen.
Exactly!!!
Even a broken clock is correct twice a day.
A key factor often overlooked is that over 25% of new homes are being acquired by investors, rather than individuals seeking primary residences. Even if Baby Boomers decide to offload their properties or more housing stock enters the market, it won’t alleviate the underlying issue. Wealthy investors will continue to absorb the available inventory, which will keep home prices elevated.
There are actually a lot of ways to make high yields in a crisis, but such trades are best done under the supervision of Financial advisor.
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.
please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Carol Vivian Constable’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
It appears that Azul is transitioning to a ‘you tuber’:
Click bait titles, but standard content when you watch. Videos every day. Listen, the content is reasonable, don’t get me wrong. I just am not fond of the overuse of click bait titles
It’s always so Negative and fearful 😨. Cannot watch anymore
Yeah. He has provided absolutely sound financial advice for a while. But more and more, it seems like he’s consciously going into doomer and hype mode for clicks.
He’s becoming Mr. Doom and Gloom. I find that when RUclipsrs aren’t trying to post multiple times a week, they tend to have better content. When content suffers got to use the clickbait.
@ I hear you. With all RUclipsrs, I try to have that filter on for when they go into clickbait/extremist mode. Azul has been a breath of fresh air for a long time. I’m just grateful for how much good insight he’s provided us for free for such a long time. His investment advice is absolutely bulletproof. And he is highly sensible, more than any other financial influencer I’ve found.
I have to add that his points about GDP and Warren Buffett pulling out are valid. And, overall, he does still seem fairly grounded by the end of these videos where he just advises us to be prepared and make sure our asset allocation is prepared for a major correction.
But the way he’s starting to sell it (“something terrible is going to happen”) is frustrating and can incite panic.
This was good info for me. I didn't know about the Shiller-P/E or the Buffet equation.
Hit 220k today. Appreciate you for all the knowledge and nuggets you had thrown my way over the last months. Started with 34k in November 2024,
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear that you saved me from huge financial debt with just a small Investment, thank you Jihan Wu you're such a life saver
As a beginner in this, it’s essential for you to have a mentor to keep you accountable.
Jihan Wu is also my trade analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
Jihan Wu Services has really set the standard for others to follow, we love him here in Canada 🇨🇦 as he has been really helpful and changed lots of life's
His guidance allowed me to restructure my retirement plan, resulting in an estimated $700,000 more by the time I retire.
I'm favoured, 90K every week! I can now give to the locals in my communities and also support God's work and the church. God bless America,, thank you Mr Jihan Wu😊🎉
This is crazy! I’ve been watching the market do some wild things lately, and now I’m feeling like I’m sitting on a ticking time bomb. I’ve got $332k in savings, and I’m thinking about making some moves, but with all the talk of a potential crash, I’m torn between jumping in and playing it safe. I feel like I need some sort of protection for when things start to tumble which my guts tell me is very soon.
Oh, I hear you! The market is super volatile right now, and having that kind of money on the sidelines can feel like a missed opportunity, but trust me, you might wanna talk to a pro first. Picking which thing to invest in is the least of my concerns when working with good FA. I started with just winging it and, uh, let’s just say I learned the hard way. Ever since my portfolio has been under management, and it was a game-changer!
I feel this hard! I’m also thinking I need to get an investment advisor to avoid rookie mistakes, but I have no idea where to even start finding one. Any recommendations? I’m lost in the finance jungle here!
I work with Amanda Mary Thome. Investing with her has been a different ball game entirely so different from the stale methods of managers I’ve worked with in the past. She has a large following and is easily found online.
Thank you! I entered her full name into my browser, and her website came out on top. I sent her an email and I hope she gets back to me soon.
Apt!! I was self-managing my portfolio but suffered heavy losses in 2022 and I knew I couldn't continue like that, so I consulted a fiduciary advisor. By restructuring and diversifying my $1.2M portfolio I significantly boosted my returns. Last year I achieved an annualize gain of 48%.
Stock markets pushing deeper into all-time highs, Institutions are buying billions of dollars worth of Bitcoin in a matter of weeks, bitcoin halving occurred on the 05th of Dec 2024 and yet people can't see we're heading to a new ATH. I think we will see 120k at most this circle.
Cryptocurrency is booming, particularly giants such as BTC and ETH. However, the market's rollercoaster nature is putting even the most seasoned investors to the test. This is why we should look for proper market analysis or seek guidance from certified market strategists.
A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
Melissa Terri Swayne is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website thank you for sharing..
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Veronica Hoy
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
You trade with Veronica Hoy too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much
I think Charlie Munger was quoted as saying, when the stock market is at its peak, things are never really as good as they seem, and when the stock market is at its bottom, things are never as bad as they seem.
When you have the money he had, that is true. What we call a fortune, he called spare change. He had so much money that when he was in a cheaply paying investment, what he made in a day, he couldn’t spend in a month. But I get your point
Another quote that I remember from somewhere: They don't ring a bell at the bottom. (Or the top, I might add.)
I welcome a recession, it's better than having people burn through their life savings because everything is too expensive .. more and more people are becoming homeless these days .. the worst case scenario is already happening to people
@@TravelTechie415 I agree. The market needs a big downturn so people can afford to invest, and get in at the bottom. It sucks for those cashing out, but thems the breaks.
From $10K to $110K that's the minimum range of profit return every week I think it's not a bad one for me, now I have enough to pay bills and take care of my family
How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, l want to retire in a few years and I need a better diversification
It's Charlotte Gina Miller doing, she's changed my life.
The first time we had tried, we invested €14,000 and after a week we received €50,230. That really helped us a lot to pay our bills.
I'm new at this, please how can I reach her?
I'm celebrating £32K stock portfolio today... Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family and life ahead of me.
For a guy who used to say he hates clickbait...
I had to give him a thumbs down for it too!
Did you actually watch the video?
For real, please stop. Some of your videos have great advice but the last few have been all hyperbole-for-clicks.
@@rodbrown7284 Yes, and he does not say something terrible is happening in the stock market like the title says.
@@frizbplaya he said it’s very expensive. If you’re close to or in retirement you should review your allocation to stocks
Being 60+ and having tax deferred accounts I have decided to get out this year. I like where I am at and huge gain will not change my life much but a huge drop will. If I was twenty years younger I would just keep buying carefully every month.
That makes sense. I'm 56 and still have at least 10 years to build a portfolio. My aim is to partially live off dividends. But I follow Jack Bulger, Warren Buffet and Peter Lynch's advise. Time in the market beats timing the market. As I approach retirement I will also reduce my stake in equities but even in retirement I will still own stocks and be collecting dividends
I'm playing it safe as well. Tbills and notes are just fine for me. I'm over 60 and enjoying the past 2 years of money making.
Smart
Probably not a bad idea. Especially with bank interest rates and treasury yields where they are, you can still make close to 4% with almost no risk.
That's me at 67. Treasuries, CDs, and money markets all near or over 4 percent. Can't beat the guaranteed amount at no risk. Still playing with about 25 percent of portfolio in stocks myself. Sleep good. Absolutely no stress. 😊
I anticipate positive growth in the markets for 2025, and I'm considering investing $220k in stocks for my retirement plan due to recent rate cuts. Could you provide guidance on executing this investment safely? Additionally, are there any crucial tips or changes I should be mindful of in the current financial landscape?
If you're new to investing or not very experienced, it's wise to seek advice from an expert. Investing without proper guidance can result in mistakes and losses, and I've learned this from my own experience.
I agree with you, since the market became extremely volatile and pressure increased (I should be retiring in 17 months), I took the decision to work closely with a financial advisor. It has already been 9 months and counting, and I have made approximately 600K net from all of my holdings.
Could you kindly elaborate on the advisor's background and qualifications?
My CFA is Judith B. Richards, 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.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
Time is so important in the market. Timing the market is challenging, even for the most experienced investors, but staying informed and consulting a financial advisor can provide invaluable insights during unpredictable times.
As they say, 'time IN the market is better than trying to time the market'. I think you should seek advice from a licensed financial advisor. They'll give you guide on high risk and low risk investment strategies for your portfolio
Straight up, I'm in line with having an CFA oversee my day-to-day investing cos, my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio has 3X in 2 months, summing up nearly $1m as of today
this is huge! mind revealing info of your advisor here please? in dire need of proper asset allocation
His name is Peter Dewitt Martin. I can't divulge much. Most likely, the internet should have his basic info, you can research if you like
I searched for his name online and found his website-it’s very informative, and his educational background is impressive. Thanks for the recommendation!
A new dawn in the free world, we should see alot of changes really soon, especially in the digital and financial markets.
Spot on. The market presents different opportunities to create passive Income, with the right skill and proper understanding you're good to go.
Facts 👏
You're right, the best time to buy in the market is when there's fear. A huge part of my growth has also come during the bear market. This last year alone, I have scaled from 180k to over 354k.
How were you able to make that much?
Seems like I'm not lucky enough.
It's crucial for individuals to diversify their portfolios, seek professional financial advice, and stay informed about market trends to navigate and not miss what's coming.
Biggest lesson I learnt in 2024 in the stock market is that nobody knows what is going to happen next, so practice some humility and follow a strategy with a long term edge.
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.
Uncertainty... It took me 5 years to quit attempting to forecast what was going to happen in the market based on chart analysis, since you never know. Not having an adviser lead me cost me 5 years of suffering. I learned to go where the market wants to go while being basic and disciplined.
Could you kindly elaborate on the advisor's background and qualifications?
Just research the name Sharon Ann Meny. You’d find necessary details to work with a correspondence to set up an appointment.
She appears to be well-educated and well-read. I did an online search for her name and found her website; thank you for sharing.
FYI, the 1 year performance of the SP500 was 24.7% (not 35), and the YTD performance is 3.9% (not 25).
yes
Accurate
Yes when he said it, I was like the YTD sounds way off and as it turns out. Looks like the chart and S&P 500 number is from Nov Dec last year.
This video is 2 months old.
@@Tn_jed001 It says it was posted on Jan 26, 2025
The ONLY purpose of the stock market is to make money. If it didn't make money, nobody would invest. Don't let fear keep you on the sideline.
As Peter Lynch says, never get out of the market. I agree with you totally.
When the dollar is being debased at an excelerating rate you've got to hide your value somewhere 50x earning seems over bought tho
As a old Invester, I can remember when it took ten years to break even. The high you see today could be the most you will ever see.
@@rgarri6396 now they print money to assuage any and all market issues.
OK bud. How about we pay off our debts before we 'invest' in anything. Not many people have real cash to invest in.
What I don’t understand is, on one hand we are told the stock market will crash and yet on the other we are told ways of investing in the stock market. Oxymoron or paradox? I'm considering investing over 150k, but I'm uncertain about risk mitigation strategies.
Not a great April so far but if you step back and actually look you will see the S&P 500 was up for the first Quarter. In the last 30 days, my IRA saw a gain of $70k. You might also consider financial advisory looking at your capital
Just buy Gold and protect your assets, the stock market is a rollercoaster.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds.
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advisor? I'll be happy to use some help.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Terri Swayne for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Financial advisors remind me of weather forecasters..They only know for sure, yesterday’s weather..
Go all in with GUMP coin number 2. Load up on DJT before it goes to the moon! 3. Thank me later!
Crash or no crash, when everything is pushing ATH, it's time to start trimming some of the fat and increase dry powder. looking at the growth projections of 7-figure portfolio I can't tell where the market is headed, Do i hold on or perhaps I should just sell off assets and avoid the panic?
Don't sell everything, just raise some cash so you can go shopping if and when a correction or crash takes place.
Such uncertainties are the reasons I don’t base my judgement on a ''heresay'' , 2020 had me holding trash stocks, but thankfully revamp my portfolio through the aid of a pro before seeing significant gains. To date, I've scaled up nearly 320% ROI. it's been 4 years and counting. I and my advisor are working on a 7 figure ballpark goal and we're not far.
Your advisor must be really good. How I can get in touch? My portfolio's decline is a concern, and I could use some guidance.
I've stuck with ‘’LAUREN MICHELLE COMER” for years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
I just checked her website, and I’m even more impressed! The range of financial strategies and resources she offers is amazing. I can see why so many people trust her with their investments-looking forward to working together!
Thanks!
Azul, I agree with you completely. But, again, what is your personal asset allocation?
I can tell you why the market has gone up so much. Inflation, the cost of everything has gone up 20-30%. So those gains are really only maybe 10%
That's my thought also. And the real estate prices are an indicator of the same thing.
How fast can the paper be manipulated down in value just like fiat currency.
I keep thinking this and wonder why no financial guys seem to address this.
I used to think it was just about buying stocks, but I didn’t realize there are strategies for managing risk and actually making a profit. Now I feel kinda stuck since I’m not seeing any gains in my portfolio. Do you have any recommendations on what I should consider? I’d really appreciate it!
It's not just about having money to invest in stocks; it's about knowing the right strategies for profit and managing risk. That's why working with an investment advisor is important-they have insights not available to everyone.
I totally agree with you. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $160k. I then invested that money with an analyst, and in just seven months, I made almost $380,000. It's amazing how having the right guidance can turn things around!
This is incredible. Could you recommend who you work with? I really could use some help at this moment.
My CFA is Kellystefflonn, 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.
Is she on Instagram ?
Something terrible is always happening.
I remember the "FEAR FOR SALE" when the S&P was going to break 3,000, then 4,000, OMG a NEW ALL TIME HIGH. Guess what kids, everything is at a "ALL TIME HIGH", compared to when my Parents/Grandparents were just starting out; House Prices, Car Prices, cost of a Gallon of Milk & Gas, Eggs, Movie Tickets, should I keep going. Guess what is also at a ALL TIME HIGH; Salaries, the Size of houses we own, how many toys and vacations we Americans have/take, etc.... I will take today, any day over how my Parents, (who both had pensions) and my Grandparents lived.
I agree with everything you say here but the two big (relative) difference with current generations is the costs of both college and houses…both now take a much higher % of average income (adjusted for inflation) than a generation ago. Too much for this post, but I believe this is mostly because of govt policies. So, yeah mostly everything is better now but I do think people in the 20-40 generation have had a higher barrier to entry into two key aspects of “success”.
very true, you often hear how a first home in 1983 was only 3 times the average salarie now its like 7 or 10 times or something. In 83 a starter home was 2 bed 1 bath with an eat in kitchen and if your lucky it has HVAC no garage no basement. Now its got to have 3 bedrooms a great room, dining room a den, an office the bathroom has a whirlpool and and waterfal shower his and her vanities heated floors etc etc. its not comparing apples to apples
Wow, my exact thoughts too. I had to make sure it wasn’t one of my own replies 😂. What you said , young people should know this is the reason to invest in companies i.e. stocks . Stocks of companies increase over time with inflation or they’d go under. There 3as a little saying I heard about 30 years ago and it seems to be pretty much accurate. It’s about interest rates controlled by the Fed’s. Interstes High stocks will die, interest rates Low stocks will grow. As the Fed raised interest rates stocks tumbled too, since they started losing them stocks rose.
@@markweaver3838my kids are in their early 30’s. My son in law works only about 140k/year. Both have paid off college educations, I paid 3/4 of my daughters and my son in law paid his own. Both worked through college and went to state colleges. They both got gifts of cars from parents . They have zero debt besides a mortgage. Bought 1st home in their late 20’s, 20% down. House was 320k, 1 1/2 year later they sold it for 420k. They bought up to a 500k next home at 31. That now is worth 600k. They’ve done this on their own 100%. His job is stable , they are trying to have a baby so the choice for his wife/ my daughter is to stay home. So government policies didn’t hurt them at all. As a matter of fact if I asked them about any government policy they would ask me , what are you talking about we run our life we don’t run the government. We can only control our finances and policies we don’t even want the government to step in and control ours. They ain’t doing so good. If you wanna be wealthy and you’re healthy , young, ambitious and set goals . You won’t make excuses for your circumstances. End of story.
@@markweaver3838The extreme wealthy bought up much of the property during Covid which increased housing costs. 🫤
I subscribe to several professional publications, but you, sir, are my muse. You unselfishly share brilliant insights about what is going on that others ignore. Oddly, while others are listening to music and books online at the gym, I am listening to you. I'm retired, all this is very helpful. Thank you!
Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $260K for sometime now, my major challenge is not knowing the best entry and exit strategies... I would greatly appreciate any suggestions.
the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
I've been investing in stocks for a while now, and it's been a significant part of my retirement portfolio. Diversification is key. I've had success with a mix of growth stocks and dividend-paying stocks. However, staying informed and regularly reviewing your portfolio is crucial. Have you considered consulting a financial advisor to help guide your stock investment strategy?
That sounds like a solid approach. I'm looking to dip my toes into stock investing as well. Do you have any recommendations for a good financial advisor who specializes in stock market strategies?
‘Jessica Dawn Walters’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
Yup i put it all in XAI510K, literally more money i thought i even had 💀, i seen people sell their car put it all on XAI510K and double their money. Scared money dont make no money 😤
The complacency in many of the responses to this video is yet another sign that the market is overvalued. Azul isn't saying "SELL," he is saying that you consider whether you are ready to weather the next market crash. Can you withstand a 30% decrease in the stock market? Do you have sufficient income and an emergency fund to weather the next crash? Especially if you haven't experienced this before, it is easy to become greedy or complacent. It's just sound advice to be prepared when the market is hitting all-time highs - never mind the unpredictability of politics at the national and international levels.
Should I buy more XAI510K?
Your input has helped me recently decide not to sell my mobile home park but instead clean it up and maximize the opportunity to cover more than half of my living expenses with an asset class that doesn't follow the stock market.
Thank you!
I Hit $32,590 today. Thank you for all the knowledge and nuggets you had thrown my way over the last week. i started with 5k in last week 2025... now i just hit $32,590
Same here
waking up every 14th of each
month to 57,000 dollars it’s a blessing to I and my family… I can now retire knowing that I have a steady income❤️Big gratitude to Ms Evelyn Vera
How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, I want to retire in a few years and I need a better diversification
The thing is, most of the stock market is only 7 companies. It isn’t the Fortune 500, it’s the Fortune 10.
Makes perfect sense that capital flows to the most profitable businesses.
It's an unhealthy concentration
@Dweeble233 Why b/c a "pro" told you so? It is absolutely rational for investors to put their investment dollars into the finest businesses.
@@harrychu650 And thats just it. They are not necessarily the "finest" businesses and indeed they are concentrated in one segment of the market. IMHO this presents a skewed version of the market and greatly increases risk.
@Dweeble233 There can be no dispute that the Mega Caps have fortress balance sheets with effectively no debt while the S&P is littered with debt encumbered businesses and some number of zombie companies.
What you are suggesting is that informed investors should democratize their investments decision rather than invest in the finest balance sheets and business opportunities.
This media narratives doesn't withstand scrutiny.
Good morning all happy Sunday
If you are not prepared for your holdings to go up and down as much as one-third (33%) I don't know why you're investing. But a crash happens when clueless nervous Neds and Nellies panic at the slightest downward tick in value. Buy and hold, buy and hold, buy and hold. And don't be a Ned/Nellie.
Thank you.
Investing should be based on timelines. If you don't need the money for 10 years, don't worry. If you'll need it soon, probably best to get out now.
Like the videos but the stock market always crashes at some point and then it comes back…this is not new. Your point is correct, people need to assess their risk tolerance and their asset allocation in relation to their age, retirement timeline, etc.
I feel investors should focus on under-the-radar stocks, considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises plummeting stocks that were once revered. I don't know where to go here out of devastation.
Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.
Yes. It is very easy to buy in on trending stocks but the problem is knowing when to sell or hold, which is why a coach is important. I've been in touch with one for about a year now and although I was initially skeptical about it, I will say I've made more progress within a year generating 6figure profit
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
My CFA, Laurel Ann Watkins, is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
If memory serves me correctly the last major downturn of the market involved bonds dropping at about the same rate as stocks so the balancing of a portfolio didn't really make too much difference.
it is because the stock market only rises because of the low interest rates fueled by the printing press of the national banks. meaning lower bond prices cause lower stock prices now
Trading success isn’t just about technical analysis skills. It’s also about discipline and emotional maturity. Remember, it’s not about being in the market at the right time, but rather about being in the market for the right time. Thanks to Sophia Haney’s wisdom, daily trade signals, and my commitment to learning, I’ve been seeing steady increases in my daily earnings to more than 16BTC. Keep up the great work!
I hope this inspires someone to start investing today, regardless of age. I wasn’t financially free until my 40s, but I’m still in my 40s with a third property, passive income, and four of my five goals. Investing in the financial market was a wise choice. Thanks for sharing this incredibly inspiring video!
Diversify your income streams to boost your earnings. This year, I’ve successfully done this by investing while I work. I invested through Sophia Haney, the CNBC anchor who often mentioned her. She invested my startup capital in less than three months after getting certified.
I have been quite cautious to get involved in this specific industry, but I believe that this is the perfect time to do so. I went to a seminar where the speaker discussed how lnvesting in cryptocurrencies may result in gains in the near future of well over $4.5 million. I have to know which coin to buy with.
I invested across major markets and follow Sophia’s rules, a great financial advisor. My portfolio has grown by 20-30% monthly while my IRA stagnates. Her exceptional diversification skills have not limited my portfolio to my choices; they reflect her placements. She provided me with financial independence.
That’s great! Your investment advisor must be excellent. I’ve read about people who improved their financial stability with investment advisors. Can you tell me who your broker is? I have $500,000 set aside for the stock market to boost my income.
over the course of 4 year the stock market has gone up; therefore it will go up again and go down. over 10 years the stock market win if you buy decent stocks. I think an S&P 500 index fund is about as good as it gets. And if you only need 3.5% of your investment to withdraw per year to live, so it goes down.
Inflation is the primary driver. Azul, you should adjust the gains for inflation and present that info. The % increases look ALOT smaller after doing so
I agree. If you need a percentage in bonds, now is the time to make that change. I plan to stay in stock for my life time. Using cash as my protection.
❤️🙏I was lost financially until I prayed for a breakthrough. Inspired by Joyce I took a chance and soon earned $15,000 🙏a week! This transformed my finances and confirmed God's presence in my life. It taught me that with faith and perseverance, anything is possible.
I'm 37 and have been looking for ways to be successful, please how??
Sure, the investment-advisor that guides me is..
Mrs Joyce kim
Same i met Joyce kim last year for the first time at a conference in Wilshire after then my Life has changed for good.God bless Joyce kim
Her services is the best, I got a brand new Lambo last week and paid off my mortgage loan thanks to her wonderful services!
This reminds us of the importance of setting an asset allocation we are comfortable with and re-balancing back to the this level annually. Yes, re-balancing your portfolio, especially during a bull run, may incur tax on the realised capital gain but think of it as insurance with the pay-off being as in a position to re-balance back in at a lower cost later on.
If you are 20-30 years old, set it and forget it. But at age 67, this is something to worry about. I put 65% in money market in mid December. So far, that's not lost me anything. It probably will at some point, but I am fine with holding at 4-5% for now. After the crash I will go back in -- to stocks or maybe T bonds if yield rates go way up, which IMHO is likely as inflation is coming.
If you're up 4-5% then you're still gaining. But if a person loses 30% or more in a possible correction then they are (really) losing. I like your slow n steady approach. I'll probably do the same in 2025/26. The one exception tho is - I might dabble in mining stocks such as copper. When Trump announced a $500 Billion initiative for AI & Elon keeps talking up copper, you know there will be a lot more investment in the mining sector. Not just 2025 but in the coming years. Gold & Silver will probably be a hedge against inflation that tariffs will cause.
I’ve been an investor for more than twice the time that you’ve been an investment advisor. Your advice is generally good, I just don’t like the clickbait.
The focus on short term is a mistake. The long term historical trend is up.
What financial tools (besides stocks) are available to move investments for protection from a down turn.?
Start your own private equity business. Those guys are all rich.
I think this is reasonable. As it goes up.. every 5% up transfer more into high interest or bank notes (tradable on the stock market) to protect from the worst of the crash. Just accept we cant pick the top. My old man does well on stocks and has been gradually pulling out in preparation of the pull back.
Good point for overall market. But consider - IWF (Russel 1000 Growth) has a forward PE of about 29. But SCHD (basically a value index with SEC yield of 3.8%) has a forward PE of 13. The S&P composite is about 22.
To stay relevant in RUclips Land you have to publish weekly. So, one week you have a happy face with an up-story, the other week a down story with a sad face. Just like the stock market.
The key is having more than you need to survive. For example if there’s a 30%-40% drop in the market. It would still sustain your living expenses. On the years your stocks are up have some cash buffer so you can save 2-3 years without touching the portfolio. It will come back for sure.
Its overvalued. Most advisors tell us to set our allocation based for risk tolerance and reallocate up and down.
Are you advocating something different?
Azul, if you are sure of your prediction why not short the market? There is always money to be made whether the stock market is going up or down.
I’m favoured financially with Bitcoin ETFs,.$90,700 biweekly profit regardless of how bad it gets on the economy
Great news! how did you get that?
Well, I picked the challenge to put my finances in order. Then I invested in cryptocurrency,stocks,through the assistance of my discretionary fund manager, Mr Marion Robert
trading under proper guidance remains the best way to succeed in today's crypto market
@@Michaeljordan145 Yeah Marion Such a genuine personality!! He is really a good investment advisor. I was privileged to attend some of his seminars. That’s how I start my crypto investment.
Robert platform maintains a unique perspective and is very transparent with their investors. Regardless of whether or not he outperforms. I will forever stay invested!
I spread the risk; some 50 % in stocks and etf’s and some 50% in a lot of different baby bonds and preferred stocks with annual some 8%. Babybonds and preferred stocks are not very volatile because they are worth nominal 25,00 on call date or maturity date and pay you 4x times a year the percentage of the coupon. Of course one company could go bankrupt, that’s why you have to pick some 50 preferred and bonds from solid companies with a good market cap and not a lot of debt. For 6-6,5% you could go for the safest options Morgan Stanley etc. Then if there is a big crash, you can always sell some of the bonds or preferreds to buy stocks on a great discount, bonds and preferreds will not crash.
But we can't time the market. Be careful.
Yes you can…. It’s way too frothy at the moment. Correction incoming… obvs 🙄
@megguardio5676Haha, that’s your opinion based on your sentiment. It’s more likely than not that the whole of 2025 will provide a bumper return. We haven’t even hit the euphoria stage yet, now is a time to get more sidelined money into the market!!
I agree - be careful! Cover your bases. With risk can come reward. Gamble with what you're comfortable with.
Ok but what are reasonable alternatives to stocks? Maybe you could provide some clues?
CD's, T-bills, put money into an asset you can control - like a business or yourself (learning new skills), another option is paying down debt (like mortgage, but take a hard look at your rates first and mix that with risk of something like losing your job vs paying it off early). I'm not a pro... someone else please chime in!
@ good ideas.
I pay a rent and education money goes to kids 😁.
I have been disappointed in the past by ‘conservative’ assets that stayed flat while stocks went up, and went down as stocks went down…
I guess I’ll setup another meeting with my financial advisor.
@ I'm around 50% into stocks right now - holding liquid cash because I'm betting on a drop in either the housing market and/or stock market. I'll re-invest one I see them plummet. If not, then I will lose out over the next few years, but it's a risk I'm willing to take at the moment. Good luck!! No one knows what's going to happen for sure.
@@NateDohDoubleGee yes, it’s gambling but also the cash you keep handy has a cost but it’s like the cost of an insurance.
This guy been saying this since 2008
But, but, he was a financial advisor for over 20 years. He MUST know more than we riff raff.
I hate watching RUclips videos because of this. I constantly feel like I need to do something right now but what? The stock market is always going to crash. I should just stay away
One day he'll be right. The stock market will eventually adjust itself. It always has.
That's when artificial props began. Infinite money printing. Asset thus inflate. Once the interest payments on the debts exceeds the debt itself, I suspect then the bubble will pop.
He did not have a RUclips channel in 2008. He is correct. Do what you will with his advice.
Your advice and comments are really appreciated. Many thx Azul
A crash is the best time to buy. You have to play the long game when you invest.
If the s&p doubles roughly every seven years then all time highs are going to happen quite often. As are corrections of various percentages..
Something terrible they said was happening at the beginning of 2024 too and my portfolio gained 600k from Jan.- Dec.. I didn’t think that was so terrible. Could have been worse. IMHO
Liar.
Awesome, I was up 625K by 12/31/2024. 12 months....Im happy too.
@@ScooterOnHisWay2024if I said my portfolio increased by that time period of Jan. 2024 to Dec. went up over 40%. It would be like okay . But when I put a number to it . Then hopefully younger people mostly will see aah okay, even though there’s gonna be scary headlines to grab viewers, I should stay my investing course and ignore the outside fortune tellers.
@@dennispekala7675yes sir congratulations to you also. I didn’t even do much to my portfolio besides sell some garbage stocks that I foolishly invested in about 4 years ago. It wasn’t for tax purposes because it’s in a self directed IRA it was just to get that ugly red out of my account finally and put whatever was left into something good. Now I did teach myself selling only, Cash secured Puts & Covered Calls. No buying just the selling for added income which wound adding a little over 100k at years end. Do you do any of this ?
In an investing journey there will be ups and downs, trying to avoid the downs is a fools gain.
Keep your money in the market and have a long term strategy. Don’t try to time the market.
Where do you buy XAI510K?
Financial deals get done when the markets go up and down. No deals get done in uncertain markets. New administration is bringing uncertainty. Not being political jut rational.
So what do I do with my stocks - sell them and buy more bonds? Or put them into cash? What is the strategy if one decides to make this change at some point?
One of the difficulties is the stock market is at-or-near all-time highs nearly 85% of the time. If you use that as an excuse and stay out, you miss massive upside. The statistics bear this out. For my two cents I avoid individual stocks, buy index funds (in my case just the S&P and one tech index), and I have 3 years worth of full retirement money in savings (high yield) and CDs (some do treasuries or bonds). That 3 years worth of money could last me for 5 years easily. Finally: I don't watch daily, and only check-in quarterly when I have to make a disbursement to myself. You can't retire happily if you are basing your retirement on day-to-day moves.
Yep. I forget the statistic, but when you see an all-time high, there are typically another 12 or more sometime around it. They come in bunches. I keep 2-3 year's worth of "cash" which for now is CD's. The rest is direct indexed, so stocks, but they generally match the index. I do pay an advisor (a lot of money) to handle this, but they did cover their fees, and I got a little over the index. I don't have any bonds. My theory is that over time, stocks beat bonds, so with a little luck my cash-on-hand strategy should hold me over a correction and the majority of a crash. My levers to pull if things get bad are starting my pension, starting SS (in a couple years), and stopping Roth conversions to reduce current taxes.
Thank you for your videos. Timing the market not typically a good idea. Can you please talk about the M2 money supply and how it relates to the S&P 500.
So sell everything now, stocks and bonds? Put them into cash and sit for 6 months and wait. When the market drops, buy again. It'll go up and you'll make money. Is that what you are suggesting without saying it? Azul?
@MLovesacoffee I think he would think reducing your risk but not completely exiting the market. Because just in case the market keeps going up for another 1 or 2 you still have some exposure. But if it crashes 30% you might only be down 10 to 20% overal and increase your risk as the market goes down.
He does not want you to time market, he want you to now your risk and adjust if needed.
I was 100% stocks. I just began allocating 20% to bonds and 80% to stocks but I also increased my contributions by 20%. I am also considering moving 1% to 20% of my current balance to stocks. In this way I have a pool of money that I can dump back into the market if it plummets. If a market crash does occur, I will take additional advantage by maximizing my contribution until it recovers. This may mean subsidizing my income from savings. That's my current plan.
Asset allocation for IRA's, 401K, 403B, & 529 plans is important, depending on when you plan on using the funds. The average person should not pull their money out of the market out of fear.
Don't forget the Trump effect. He plans to start major tariffs in February. That will have a negative impact on the economy and stock market.
Is "growth" overvalued (compared to "value") and more at risk of severe pullback than "value"?
Is the concentration within a few stocks within the S&P 500 Index funds a risk? If so would another type of "index" fund be less at risk such as "Mid Cap" ?
Are bond funds a better value now that interest rates are higher than they were shortly before the recent "bond bust" ?
Thank you Lord Jesus for the gift of life and blessings to me and my family $14,120.47 weekly profit Our lord Jesus have lifted up my Life!!!🙏❤️❤️
I'm 37 and have been looking for ways to be successful, please how??
Sure, the investment-advisor that guides me is..
Elizabeth stark
Same, I met Elizabeth stark last year for the first time at a conference in Wilshire, after then my Life has changed for good.God bless Elizabeth stark
Her services is the best, I got a brand new Lambo last week and paid off my mortgage loan thanks to her wonderful services!
I'm not sure the Buffet rule is good to use as a comparator to the 1950's. Almost all successful companies in the US have become international, so much more of their value is derived from overseas business, which drives GDP in other countries.
The stock market is overvalued by about 30%. The question is whether it will retrace that amount. Probably not. Usually a 10% move.
Thank you……I’m so tired of hearing this
The problem is bond funds aren’t safe either with inflation. Look at 2022. If I sell some stocks to get back to asset allocation where’s the best place to put it? Currently 68% stocks/32% bonds/cash. 59yr old, figure should be 60/40 but not sure bonds are the place to be either right now.
Aren't you always saying "it's not timing the market, it's time in the market".
He was a financial advisor for 20 years. That's what financial advisors do. He cannot help himself. Have mercy.
If you have a retirement account you are an investor. An investor must develop a mindset that can handle the ups and down of prices quoted daily on Wall Street. Volatility is not risk in itself. Permanent loss of your investment IS risk. They are not the same thing. If you can not handle a 50% ( temporary) decline in the value of your investments once a decade than you should be in treasury bills and not stocks.
If you get out before a decline odds are you will be too scared to buy back in near the bottom. More likely you will sell after a big decline and buy back in after the market has recovered. Thus missing out on any benefit in this exercise.
Have enough available cash to weather a few years when the market is washed out and stay invested when markets decline. This must be your mindset to be a good investor. Think about it like you do about your house. Do you sell when the price goes up? Do you panic and sell when the market goes down? Of course not. Think the same way about your investments. 😊
The price quoted on your stock investments and their value are not always in harmony. The beauty of stocks is that mostly the value grows over time. This is why we choose equities over bonds. Remember price of smooth returns is a low return.
can you be more depressing for the last how many months? you are adding to fear. yes markets will crash 10% but I wonder how many people are selling parts of their PF etc. I know misery is like click bait but still.....
It wouldnt be a crash if the market dipped just 10%.
It all depends on your age and how close to retirement you are. We are retired, so we are less invested in stocks now. We made much riskier investments when we were young.
Institutional investors are selling, retail investors and European retail investors are entering. AT THE TOP ! Flee in the opposite direction. Do what Buffet is doing selling, piling cash and waiting.
Talk is cheap…why don’t u show us if u sold anything in your portfolio and move it into cash? If not, you are a hypocrite
😂😂😢😢
I think the Buffett indicator has a flaw. The total stock market value accounts for all the assets, goods, reserves and revenues the US companies have accumulated up to now and that includes everything the companies own abroad but the GDP only considers the value which has been produced in the US during the last year. Therefore the denominator and the numerator have both different geographical scope and different time scope.
Thank you Captain Obvious
I've been pulling back on risk for a few months now. Sold some stocks while they were high that I did buy low. Of course, they've gone up since then. But I don't regret it. Tucking the funds into safer pockets has felt good. A few more tough decisions to make though...
"but first we need to understand where we are..." Correct, We are at the beginning of a presidency with a very successful pro business, pro growth Commander in Chief. This is completely new to the US and the World! We are also at the dawn of a new technology, AI that will completely change the world! Similar to the dawn of the Industrial age. This administration has embraced the top business titans and tech titans and we are at the beginning of a new economic "Golden Age". The old financial rules don't work in this paradigm. Buckle up!!
“All time high” means nothing. The trend is generally up over time anyway, with some bumps along the way of course. All time highs happen all the time. The other metrics might be more useful
Azul is right! I will comment, it will go down at some point. That's good bc it's healthy to do so. Save cash and put it in the market when it does go down. Usually there's a 2-4 week window to see it and get back in. It has always gone back up. No one special speaking here but that's what happens looking at all of market history.
The bull walks up the stairs, the bear jumps out the window.
I still believe no one ever got hurt taking a gain. So I do; putting it into principal protected fixed interest assets. It's not always how much one makes but rather, how much one doesn't lose. When the correction comes my RMDs will be lower and that will be fine for me..
The longer any valuation goes up, the more the pain of not doing so is forgottsn with time. Amd why should there be pain at a bunch of numbers going down? Are the colors controlling us on a subconscious level? Or are we somehow the money we see ourselves as loosing?
In addition to investing, its always a good idea to buy something that will improve or correct your life so when markets tank, you have your mental stuff together to buy at the bottom, rather than making it all about you while this ever mysterious pain takes center stage.
Invest in growth companies that have a good balance sheet with outstanding CEOs. Have emergency funds for 2 to 5 years if possible. When market is down buy more via DCA.
Idea is not to miss the upward spike in portfolio stocks.
I went to 50/50 stock/ cash some years ago due to same idea. Advisors focus on helping a client sleep better at night by diluting their stock portfolio with bonds. Instead of helping them deal with the potential for a 50 percent correction they focus on avoiding it. The only bonds or cash needed is for the emergency fund - the number of years worth is what will help an investor sleep at night. I realized this way too late. As in yesterday at age 59 after it was far too late for me.
I'm curious to know your allocation? You don't need to advise us but it would be good if you tell us how your are preparing your own portfolio. I'm 55/45 but my conservative 45% is not in long term bonds. I have corporate bonds and treasuries right now. I also keep a substantial amount in cash so that I have time to ride out a multi-year mess in the market. As I'm retiring this year, I will be going to 50/50 to try to protect my assets. I'm also moving out of the country to lower my cost of living including healthcare.
Great review. Can you make a video on options to protect your assets? Change stocks to bonds?