I get what youre saying but I see him as more of an educator than influencer. I think influencers lean heavily into entertainment and algorithms/trends before education
Consistently, Ben gives the densest knowledge on YT. The amount of information per minute far exceeds any other channel. I have to keep pausing and rewatching some of these sentences. Everyone else is pedaling light beer, and Ben is giving straight shots of barrel proof whiskey here. Powerful stuff!
I am also an advisor and out of the three buckets of risk, I’ve only talked about the behavioral loss tolerance and the risk taking ability two clients and I would talk about the risk need later on in the conversation, but it makes so much more sense to have them all together. I just love these videos. You guys put out videos that drop little gems of conversation.
this is truly a great video! so much insights and it is correctly explained the link of risks to psychology and individual’s situation. it’s one of the rare videos i have to re-watch it in 1x speed lol
Is stepping out of the path of a speeding bus the same as panic selling? I've been methodically decreasing my Canadian equity exposure for weeks. Am I intolerant to risk or just have an aversion to losing money? 😂
What I want to know is at what point does the risk premium evaporate. Safer investments compensate for risk, but the riskiest investments are where the investor pays for the opportunity to become rich like a lottery ticket. This implies a peak that offers the highest average return for any amount if risk taken.
I've always hated economy. Almost failed it in university. Even now, when I am investing stuff, I kind of see them like a game rather than a life improvement strategy. But after watching your videos I often feel like asking you to coach me to be an economist.
hello ben, thanks for sharing. have you before spoken about money market funds as a substitute for the bond part of a portfolio in any video? would love to hear your thoughts on that one. thanks and regards, dan!
Once you find the risk allocation you’re comfortable with, all you have to do is rebalance a couple times each year. If the market has fallen, you will be selling bonds and buying stocks (which is exactly what you should be doing in a down market). If the market has risen, you will be selling equities and buying bonds (is exactly what you should be doing in a rising market). This also prevents you from trying to time the market. You don’t have to time anything- just rebalance once in awhile. Set it, and forget it.
@Bobventk no I literally haven't. They only spout the usual 70 / 30 split. And don't explain why a 100% portfolio is NOT the best portfolio. Many will talk about down turns, but retirees typically have multi decade time horizons. Ultimately, survival goes down whenever you add sub optimal assets to a portfolio.
took the assessment, and I'm shocked to see my risk tolerance as 40, i thought It'd be lower, but I've yet to see my risk composure, this was just risk perception 😂
I would be curious to see Ben's opinion on a levered MA funds (either 60/40 or with other assets included). It is mentioned in the video that leverage is amplifying good and bad aspects. Starting with a more diversified portfolio (which could include bonds) and levering efficiently to get the desired outcome/level of risk, seems like a better idea. Nevertheless, 2022 is a great example of also diversifying away from equities and fixed income. But not the cause to dump bonds altogether for long term investors.
7:45 simple… because the portfolio could do worse than expected. If you need 2.5% real to achieve your goals… why target 2.5% expected? I’d rather target ~4.5% expected in case returns are lower than expected.
I'm 100% into equities because I have a DB pension plan. Is this a sensible strategy? I figure my pension replaces the income/bond portion of my asset allocation.
My wife has a DB plan as well and we are 100% stocks. I think that the correlation between housing and bonds is more important. But owning equities and a pension sounds like doubling down on retirement. So I guess it depends, and your rrsp room is taken by your pension if that matters to you.
I always find the abstract "what if" questions in such assessments difficult. In real life, we do not know what the probabilities and specific outcomes are. Risk assessment gets a lot harder when there is uncertainty involved, and treating an uncertainty problem as a mathematical probability problem can end up really bad
It’s in the reference link but I have now added it the description too. Also here cafnr.missouri.edu/divisions/division-of-applied-social-sciences/research/investment-risk-tolerance-assessment/
I think i speak for everyone when I say we really really really want a video about the tarrif situation if you're able to!...AND CUT YOUR HAIR YOU DAMN HIPPY!
I’m still trying to figure out whether I should buy a bond etf at all or buffer etfs to replace bonds . All bond etfs seem to lose money because of price drops with no rebound. international bond etfs are even worse.
I will be forever thankful to Mrs. Piper Jason for her amazing performance and dedication, she is just too good at trading, and she has proven to me her skills in trading…. Thanks very much, Mrs Piper
I’d risk it all for Ben’s hair…
😂
He used to have a hair correction, then just like the markets, it roared back
I'm bullish on Ben's hair.
I’m aiming for something similar but I don’t want to plug my own hairline……. 😉
Hair go up
Ben is by far the best finfluencer out there. So much value in these videos, cannot believe I get this for free.
I get what youre saying but I see him as more of an educator than influencer. I think influencers lean heavily into entertainment and algorithms/trends before education
Consistently, Ben gives the densest knowledge on YT. The amount of information per minute far exceeds any other channel. I have to keep pausing and rewatching some of these sentences. Everyone else is pedaling light beer, and Ben is giving straight shots of barrel proof whiskey here. Powerful stuff!
The best, highest quality content you can find on YT! I don't know anyone who can explain this in a better way, thank you!
I am also an advisor and out of the three buckets of risk, I’ve only talked about the behavioral loss tolerance and the risk taking ability two clients and I would talk about the risk need later on in the conversation, but it makes so much more sense to have them all together. I just love these videos. You guys put out videos that drop little gems of conversation.
Thanks! I’m glad you found it helpful.
Some advisor you are buddy
Ben! As usual you nailed it. I love sending videos like this to my boss and we go back and forth on the video and its ideals! Thankyou!
Awesome. I’m glad you’re getting value out of them!
the patagonia jacket just fits the stereotype
vest!!
Ben is rocking the "finance bro" fit :D
When the chia pet finally sprouts 😂😂😂😂
That risk tolerance assessment is one of the best I've done so far.
this is truly a great video! so much insights and it is correctly explained the link of risks to psychology and individual’s situation. it’s one of the rare videos i have to re-watch it in 1x speed lol
Valuable and high quality video as always! Thank you Ben and really appreciate your efforts putting together videos in your channel!
A ton of investors are about to put their perceived risk tolerance to the test during this trade ware.
Is stepping out of the path of a speeding bus the same as panic selling? I've been methodically decreasing my Canadian equity exposure for weeks. Am I intolerant to risk or just have an aversion to losing money? 😂
I said the same thing at the bottom of the pandemic crash
@@altaccout in case you haven't noticed, we're at an all time high.
The market has already priced in all available information. You cannot predict what will happen when the markets open
@hngbros8346 that's what Ben says. With a capricious turd like Trump and a inept government in Canada, seems anything could happen.
Man I wish this information was taught in schools. Fabulous stuff!
Omg now he’s styling it! HE’S EVOLVING!!🎉
Pokemon+
More important allocation is hair to scalp ratio and Ben’s portfolio is stylin’.
Wake up Babe, new Ben Felix vid just dropped
Good video considering the markets might look pretty bad on Monday - but they may also be fine, the panic might have already been priced in!
What I want to know is at what point does the risk premium evaporate. Safer investments compensate for risk, but the riskiest investments are where the investor pays for the opportunity to become rich like a lottery ticket. This implies a peak that offers the highest average return for any amount if risk taken.
Great video, as always! It would be really helpful to have an updated series of the older videos reflecting the current state of things😄
This video will be great to share with interested friends and family. Thanks Felix!
I've always hated economy. Almost failed it in university. Even now, when I am investing stuff, I kind of see them like a game rather than a life improvement strategy. But after watching your videos I often feel like asking you to coach me to be an economist.
it's really crazy how nobody is talking about money's untold mysteries
Great timing! I've just been thinking about bond allocation so very excited for this video from a trusted source.
Hi Ben. Do you have a video discussing bond tents for retirement?
hello ben, thanks for sharing. have you before spoken about money market funds as a substitute for the bond part of a portfolio in any video? would love to hear your thoughts on that one. thanks and regards, dan!
thank you ben felix for yet another banger
Once you find the risk allocation you’re comfortable with, all you have to do is rebalance a couple times each year. If the market has fallen, you will be selling bonds and buying stocks (which is exactly what you should be doing in a down market). If the market has risen, you will be selling equities and buying bonds (is exactly what you should be doing in a rising market). This also prevents you from trying to time the market. You don’t have to time anything- just rebalance once in awhile. Set it, and forget it.
Outstanding video ! As usual I should say.
Thank you very much.
Fantastic explanation! Ive never seen this explaining that for most, the need to lower volatility is mostly psychological.
@@aussieexpatwatches you haven’t? Are you being sarcastic lol.
@Bobventk no I literally haven't. They only spout the usual 70 / 30 split. And don't explain why a 100% portfolio is NOT the best portfolio. Many will talk about down turns, but retirees typically have multi decade time horizons.
Ultimately, survival goes down whenever you add sub optimal assets to a portfolio.
took the assessment, and I'm shocked to see my risk tolerance as 40, i thought It'd be lower, but I've yet to see my risk composure, this was just risk perception 😂
Here for hair discussion
Great stuff as always, thanks ben!
Can you make a video with advice for how to pick investment bonds/bond etfs? Most of your videos cover stocks only.
You had me at 100% stock allocation.
Video on inflation hedges please!
In Search of the Ultimate Inflation Hedge
ruclips.net/video/1a3XnvRCcVo/видео.html
Wow, Ben! That is a great wig! It almost looks real. Who is your wigmaker? (asking for a friend)
Great video as always.
I would be curious to see Ben's opinion on a levered MA funds (either 60/40 or with other assets included). It is mentioned in the video that leverage is amplifying good and bad aspects. Starting with a more diversified portfolio (which could include bonds) and levering efficiently to get the desired outcome/level of risk, seems like a better idea.
Nevertheless, 2022 is a great example of also diversifying away from equities and fixed income. But not the cause to dump bonds altogether for long term investors.
@11:50 "allocating to other well established expected return premiums" How do you do this and/or what is an example of doing this?
7:45 simple… because the portfolio could do worse than expected. If you need 2.5% real to achieve your goals… why target 2.5% expected? I’d rather target ~4.5% expected in case returns are lower than expected.
I'm 100% into equities because I have a DB pension plan. Is this a sensible strategy? I figure my pension replaces the income/bond portion of my asset allocation.
My wife has a DB plan as well and we are 100% stocks. I think that the correlation between housing and bonds is more important. But owning equities and a pension sounds like doubling down on retirement. So I guess it depends, and your rrsp room is taken by your pension if that matters to you.
Depends how old you are.
@samsonsoturian6013 in conclusion like all things in investing!!! It depends on the person haha!
Love the intro!!!
Ben, what do you think about the Risk Parity approach for the asset allocation?
Bens next video: how much income can you generate selling your hair to wig manufactures. 😂
Ben looked like Wolfenstein's character with that hairstyle
Dear Ben, your video did not mention Tesla puts or Nvidia triple leveraged ETFS......... please advise!
Thanks Ben
Does anyone know if the equity returns at 8:00 are in nominal or real terms? I suspect nominal, but it is not clear.
Why did you rock the bald for so long when your hair looks this good?
How tall is ben felix?
He was listed at 6'11" when he played competitive college basketball in the US.
@dglynch222 im 5'6". Id easily beat him in a 1v1
Sporting the banker's attire
I always find the abstract "what if" questions in such assessments difficult. In real life, we do not know what the probabilities and specific outcomes are. Risk assessment gets a lot harder when there is uncertainty involved, and treating an uncertainty problem as a mathematical probability problem can end up really bad
Man… I just poured my morning coffee. Perfect timing!
Indeed!
Better to buy gold than bonds.
What do you think about the high us and mag7 market bubble ? My etfs has now 70% USA...😢
God, Ben, this is just what I needed when I needed it
I think Ben forgot to include the survey for learning risk preference in the description. Looked through and am not seeing it.
It's in the "References" link in the description.
It’s in the reference link but I have now added it the description too. Also here cafnr.missouri.edu/divisions/division-of-applied-social-sciences/research/investment-risk-tolerance-assessment/
All in on TQQQ (Triple Leveraged QQQ) long.
You're losing more to fees than you think
when did you grow hair? havent visited your channel for a while now. :D
I think he grew it out several months ago I think.
Herzlichen Dank für die Informationen 😊😅😊 PS: could Canada become a part of de Europ.Union?
Never did I think Jimmy Neutron would give me midlife financial crisis... But here we are.
Hey ben , we need a hair tutorial
If he wears Patagonia, you can trust him
I think i speak for everyone when I say we really really really want a video about the tarrif situation if you're able to!...AND CUT YOUR HAIR YOU DAMN HIPPY!
2:52 I started investing in stocks in January 2020, my first crash was like 1.5 months later 💀
Did you learn something?
I’m still trying to figure out whether I should buy a bond etf at all or buffer etfs to replace bonds . All bond etfs seem to lose money because of price drops with no rebound. international bond etfs are even worse.
That hair though 😂
He has hair now?
This man gets more handsome every video
My results is 37, didn't expect it to be that high 😅😂
Me trying to explain to my dad that stocks can be safer in the long run.... 😅
Nope, he just wants structured notes/products 🤮
Steuctured notes are usually stock-exposure through an options construct.
@HectorYague and they usually suck. Obscure products meant to rob neophytes.
Love Ben's stuff. The hair is throwing me off. Like the shorter hair better. Is it real?
wow, that hair!! :D
So what you’re saying is… hold the S&P 500 and buy more during crashes.
If I recall correctly, Ben actually advocates for further diversification than just S&P500.
100% in stocks
I put it all on red and won big. With my winnings, my wife and her boyfriend now live a very happy life! God bless.
Someone has been skiing lately? xd
your wig looks nice
What about 3-4 years in cash for market dumpster fires,which i believe is just around the corner for Canada,woke capital of the world.
True Risk is the chance of losing to inflation. If your investments can't keep up with inflation, you're losing money every day.
Dude, why were you ever bald?
Wait, you mean my 10x leveraged position in TRUMP wasn't a good investment?
Ben your profile photo doesn't match your wonderful new hair
Ben is still pretending there are only two asset classes available for investors
There are plenty of speculative, nonsense asset classes available, if that's what you mean?
Bonds are genuinely the only asset class on earth anyone invests in EXPECTING lower returns, kinda wild
I will be forever thankful to Mrs. Piper Jason for her amazing performance and dedication, she is just too good at trading, and she has proven to me her skills in trading…. Thanks very much, Mrs Piper