00:04 - Brian Faldi shares his personalized investing strategies for 2025. 01:53 - Adapting investment strategies for volatility and account types. 03:38 - Stocks and funds dominate my 2025 investment strategy due to growth and liquidity. 05:26 - Cash offers stability but risks losing value due to inflation. 07:22 - Asset allocation should vary based on investment time horizon and market conditions. 09:17 - Investment strategy focuses on caution and diversification for 2025. 11:03 - Review of current investment portfolio and top holdings performance. 12:57 - Long-term holdings in top companies yield significant returns. Timestamps (Powered by SitrakAI)
I would love this. Also want to commend you for your honesty that there are some stocks you have lost money on. Your transparency and humility only build credibility
Subscribed. I have a long term mindset. I have been buying and selling the last few months but the shares I hold now I will hold for around 10 years.i may slowly add to my positions. But happy with my choices that I can almost ignore them for the next 5 years.
To me at this time, Tesla is a pure yolo. In my humble opinion (but PhD and XP in robotics and autonomous systems) its just a hype. They won't be able to deliver anything close to what they promise on one hand and secondly, they don't hold any IP that borders magic like ASML for example, which would be another requirement for the predicted gains. Anything they do, others can replicate and possibly overtake quickly. I don't believe in Optimus as a viable "within 5 years in households" concept but a lot of the hype hinges on it. Hyundai and Toyota just announced they will launch a competitor- and that with Boston Dynamics in their pocket. They will be operating technology on an order of magnitude higher plane than Teslas wobbly RC stick figure. If anything, it will be them. Robotaxis etc same story. I liquidated all my Tesla now, will probably never go back (but it was a good run, but i knew I was just riding hype, i never believed too much what they claimed)
Hi Brian, your table shown at 4:00 is misleading. Mutual funds and ETFs are the structure or wrapper. Both types can be an index fund or an actively managed fund. There is no third type that is an index fund.
After many attempts at trying to time the market. I like seeing your style. Sold off most of my tech stocks at the end of 2022 because i thought it was going to continue to drown. Then comes AI. Im begrudgingly building up my portfolio again, despite having concerns with America's growing debt and the Fed's inability to let markets playout and letting recessions take their course. Modern monetary policy just seems to make everything skyrocket without ties to economic reality.
I should just mind my own business but that sure sounds a lot like selling at the bottom and (potentially) buying near the top. I wish you the best and may the bulls continue to rally in 2025!
@Kenkoopa44 i put my business out there, so it's fairplay to criticize it haha. That is indeed what I did. Sold out of meta at $90, Amazon at $100, and Google at $95~
13:40 is great advice and illustrated well with your chart. Another interesting question is do you ever buy more of these long term winners even though they are already your biggest positions?
My portfolio top holdings are almost like yours, originally bought during 2017 and 2018. But I have underperformed SPY by a lot. Problem is I was triming or selling winners and adding to Laggard. Number of them went belly up in 2022. I sold Netflix and Amazon way too early. I trimed NVDA, AMD , ANET, Google, Meta so much that they did not even have 3% allocation at the start of last year. I bought Tesla bellow 200 last year and my top holdings reached about 5% allocation at the end of the year due to the good performance, but overall I still managed to underperform SPY thanks to SCHD, Cash. REITs, China stocks and Long term bond ETF collectively about 30% of my portfolio. 😢. Hopefully next 20% correction would give me courage and opportunity to balance it correctly, so I will not outperform SPY going forward.
I would be interested in a breakdown of the full taxable portfolio if that's possible. If that is a hassle considering many are small positions, then maybe exclude the ones that are for your kids or less than 3%? Great information!
Also, I just recently found your channel, so maybe you have already done so, but do you have a video covering high yield savings accounts? If not, would you be interested in creating one? I know that you have mentioned finding a brokerage that has a higher cash interest rate, but I wondered if you knew of any savings accounts that you recommend
What is your thoughts on being active in tax advantaged accounts and passive in taxable accounts? This way you are able to take advantage of no transaction costs for your active strategy. I guess the only risk is hurting your best account (tax advantaged ones) with a poor active strategy.
My “asset location” strategy isn’t perfect. In an ideal world I would be active with my text advantage accounts and passive with my taxable accounts. However, I like the flexibility of taxable accounts. So while it’s not optimal from the Tax perspective, it fits my financial needs better.
Hi Brian, Very useful video. How do you stay on top of all those holdings in your portfolio ? I find it very difficult in my portfolio to stay on top of 6 companies I hold. Listening to earnings call, interpreting financial statements for these 6 companies already takes much of my time 😅
The best investments and “buy and forget”. Most of the work I do in a company is before I buy it. After that, I keep loose tabs on the company, and if a company ends up requiring more work and thought than I initially expected, I have no problems parting ways with it
I really like these kind of video, it allow me to compare myself with someone else portfolio. I've been investing for 11 years now and its only in last few I feel I got grasp of how I should invest for me. The thing that still challenge me is my Risk Capacity. I would say the risk capacity depends on the stocks that I choose: I long I have been holding the stock and how far is the stock from my field of expertise.
Hi Brian, I noticed your portfolio outperforms the S&P and NASDAQ by a few percentage points. Does that have a significant impact on your life? Do you think it's worth dedicating a lot of time to researching individual companies instead of simply investing in the S&P and NASDAQ? I watched some of your other videos inteoducing how to read balance sheet, cash flow etc. Feel like it is very unlikely for me to beat SP and NASDAQ.
These frequent tax code changes are disrupting my long-term investment strategies. Are there ways to structure my investments to be more resilient to potential tax code modifications?
I honestly think America needs a completely restructure of their political system. It is just not working. Trump and Biden being elected out of 300 million people to run the country is evidence for that too.
This is why the US should elect more progressive politicians, who know how to manage budgets and give us (yes, pur country's initials literally spell out that pronoun) much better tax credits in return for better public education and better public healthcare. but since these are nonexistent, my husband and I are being guided to finance our retirement and healthcare through a diversified investment portfolio
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Refreshing to see an American presenter talking at a normal rate - not like that Jim Cramer, ( why that guy is so revered is beyond me, he’s a total turn off for me ) Keep up the good work - thumbs up from 🇬🇧
Too many stocks! Check Charlie Munger’s well-known investment philosophy: “If you don’t know what you’re doing, diversification is a reasonable strategy.” Munger’s and Warren Buffett’s share a view that diversification is for investors who lack deep understanding of individual investments. Munger often argues that concentrated investments in well-understood businesses provide better returns if you have the knowledge and conviction to manage them. However, for those less skilled or less informed, diversification acts as a safety mechanism to reduce risk.
If you have the time to interview the ceo/board members to learn the pipeline and challenges you can't get the conviction. So diversification is the safe bet. We are not Buffet or Monger.
@@premkumar-gh1uc why to spend so much time on so many individual stocks...as you mention, diversification is a safe bet, and will be hard to even beat the SP500, or as Peter Lynch calls it "diworsification". Imagine you're at a buffet. While it's wise to sample a variety of dishes to avoid disappointment, piling your plate with everything available (including items you don't like or understand) will result in a mediocre meal. The same applies to investing: quality over quantity leads to better outcomes.
You need at least 2% bitcoin on your overall portfolio which would add a 5th to your 4 major buckets. 2% adds diversification where the upside is greater than the rare possible downside of losing 2%. Great content Brian!
I love your channel and have learned so much from both Brians. I can't tell but I tried to compare and it looks like your performance is almost identical or less than the QQQ for the time period in the chart. Makes me want to just give up, buy index funds and just spend my time somewhere else.
Yes there’s interest in the stocks you own 😊
;)
You did not mention what stocks you are still buying today.
Your willingness to be transparent with your portfolio is GREATLY appreciated!!!
:) Glad you think so.
00:04 - Brian Faldi shares his personalized investing strategies for 2025.
01:53 - Adapting investment strategies for volatility and account types.
03:38 - Stocks and funds dominate my 2025 investment strategy due to growth and liquidity.
05:26 - Cash offers stability but risks losing value due to inflation.
07:22 - Asset allocation should vary based on investment time horizon and market conditions.
09:17 - Investment strategy focuses on caution and diversification for 2025.
11:03 - Review of current investment portfolio and top holdings performance.
12:57 - Long-term holdings in top companies yield significant returns.
Timestamps (Powered by SitrakAI)
I always try and add timestamps in the video description
Please cover your whole portfolio, thanks!
Noted!
@@BrianFeroldiYT Yes, will follow that too :)
I would love this. Also want to commend you for your honesty that there are some stocks you have lost money on. Your transparency and humility only build credibility
More videos like this would be appreciated 🎉
Noted!
Great video!
Glad you enjoyed it!
I want to see all the stocks please
Cheers!
Great video, always learning from you 😊..cheers
:)
You have a IRA and Roth IRA, are you paying the Pro Rata tax with your backdoor contributions? Or did you liquidate your Trad-IRA?
Subscribed. I have a long term mindset. I have been buying and selling the last few months but the shares I hold now I will hold for around 10 years.i may slowly add to my positions. But happy with my choices that I can almost ignore them for the next 5 years.
Welcome aboard!
To me at this time, Tesla is a pure yolo. In my humble opinion (but PhD and XP in robotics and autonomous systems) its just a hype. They won't be able to deliver anything close to what they promise on one hand and secondly, they don't hold any IP that borders magic like ASML for example, which would be another requirement for the predicted gains. Anything they do, others can replicate and possibly overtake quickly. I don't believe in Optimus as a viable "within 5 years in households" concept but a lot of the hype hinges on it. Hyundai and Toyota just announced they will launch a competitor- and that with Boston Dynamics in their pocket. They will be operating technology on an order of magnitude higher plane than Teslas wobbly RC stick figure. If anything, it will be them. Robotaxis etc same story. I liquidated all my Tesla now, will probably never go back (but it was a good run, but i knew I was just riding hype, i never believed too much what they claimed)
Pls cover each of holding with reasoning
You are doing great basic to fundamental analysis
Regards
Noted!
Hi Brian, your table shown at 4:00 is misleading. Mutual funds and ETFs are the structure or wrapper. Both types can be an index fund or an actively managed fund. There is no third type that is an index fund.
Sure. That’s fair. They are still three common terms that I felt was worth distinguishing between.
I love your video
Thanks for watching!
Thanks Brian!
Thanks for watching
After many attempts at trying to time the market. I like seeing your style. Sold off most of my tech stocks at the end of 2022 because i thought it was going to continue to drown. Then comes AI. Im begrudgingly building up my portfolio again, despite having concerns with America's growing debt and the Fed's inability to let markets playout and letting recessions take their course. Modern monetary policy just seems to make everything skyrocket without ties to economic reality.
I should just mind my own business but that sure sounds a lot like selling at the bottom and (potentially) buying near the top. I wish you the best and may the bulls continue to rally in 2025!
Yeah…just shows how hard it is to time the market. It’s such a guessing game.
@Kenkoopa44 i put my business out there, so it's fairplay to criticize it haha. That is indeed what I did. Sold out of meta at $90, Amazon at $100, and Google at $95~
@ thanks for being a good sport 😁. Best of luck!
13:40 is great advice and illustrated well with your chart. Another interesting question is do you ever buy more of these long term winners even though they are already your biggest positions?
Yes. I’ve added too many of them over the years.
My portfolio top holdings are almost like yours, originally bought during 2017 and 2018. But I have underperformed SPY by a lot. Problem is I was triming or selling winners and adding to Laggard. Number of them went belly up in 2022. I sold Netflix and Amazon way too early. I trimed NVDA, AMD , ANET, Google, Meta so much that they did not even have 3% allocation at the start of last year. I bought Tesla bellow 200 last year and my top holdings reached about 5% allocation at the end of the year due to the good performance, but overall I still managed to underperform SPY thanks to SCHD, Cash. REITs, China stocks and Long term bond ETF collectively about 30% of my portfolio. 😢. Hopefully next 20% correction would give me courage and opportunity to balance it correctly, so I will not outperform SPY going forward.
You live, you learn
Congrats- very impressive! That MELI position is a high value one! That's a $1700+/stock!!😮
Sure is - and it’s gotten in there through pure appreciation
Well done Brian! Very clear and concise overview of a successful approach. Happy Holidays!
Thanks for watching
Very interested in what you think about your top positions and if you would add or trim at current valuations
I’ll keep this in mind for a future video
you guys have it so good in the US when it comes to investing
Sure do. We are spoiled.
is it too late to buy NFLX ? I feel tempted but I don't like the valuation however that's the same reason I decided not to buy two years ago :(
Depends on your timeframe
So back in 2012 how did you find out about MELI??
Motley Fool
What is Mercado libre about 😮that’s wild
You’re the only guy I know that has invested in MELI, most US based investors don’t know about it. How did you come across it?
I would be interested in a breakdown of the full taxable portfolio if that's possible. If that is a hassle considering many are small positions, then maybe exclude the ones that are for your kids or less than 3%? Great information!
Also, I just recently found your channel, so maybe you have already done so, but do you have a video covering high yield savings accounts? If not, would you be interested in creating one? I know that you have mentioned finding a brokerage that has a higher cash interest rate, but I wondered if you knew of any savings accounts that you recommend
Interesting idea
Great information for beginners thanks I've been investing for 10 years myself😊😂
Glad it was helpful
Hi Brian, do you trim yours stocks when they become expensive? If not, what do you do?
Yes. It depends on the size of the position and how overvalued it is.
@@BrianFeroldiYT Thanks 👍
DCA 😊
What is your thoughts on being active in tax advantaged accounts and passive in taxable accounts? This way you are able to take advantage of no transaction costs for your active strategy. I guess the only risk is hurting your best account (tax advantaged ones) with a poor active strategy.
My “asset location” strategy isn’t perfect. In an ideal world I would be active with my text advantage accounts and passive with my taxable accounts. However, I like the flexibility of taxable accounts. So while it’s not optimal from the Tax perspective, it fits my financial needs better.
google will be your best performer for the years to come.
We shall see
Hi Brian, Very useful video. How do you stay on top of all those holdings in your portfolio ? I find it very difficult in my portfolio to stay on top of 6 companies I hold. Listening to earnings call, interpreting financial statements for these 6 companies already takes much of my time 😅
The best investments and “buy and forget”. Most of the work I do in a company is before I buy it. After that, I keep loose tabs on the company, and if a company ends up requiring more work and thought than I initially expected, I have no problems parting ways with it
@@BrianFeroldiYT Well said 👏
I really like these kind of video, it allow me to compare myself with someone else portfolio.
I've been investing for 11 years now and its only in last few I feel I got grasp of how I should invest for me.
The thing that still challenge me is my Risk Capacity. I would say the risk capacity depends on the stocks that I choose: I long I have been holding the stock
and how far is the stock from my field of expertise.
Hi Brian, I noticed your portfolio outperforms the S&P and NASDAQ by a few percentage points. Does that have a significant impact on your life? Do you think it's worth dedicating a lot of time to researching individual companies instead of simply investing in the S&P and NASDAQ? I watched some of your other videos inteoducing how to read balance sheet, cash flow etc. Feel like it is very unlikely for me to beat SP and NASDAQ.
Great question
Because if you don’t understand what you’re doing you have to diversify to reduce risk.
meli still a buy?
Depends on your timeframe
@@BrianFeroldiYT very very long
These frequent tax code changes are disrupting my long-term investment strategies. Are there ways to structure my investments to be more resilient to potential tax code modifications?
I honestly think America needs a completely restructure of their political system. It is just not working. Trump and Biden being elected out of 300 million people to run the country is evidence for that too.
This is why the US should elect more progressive politicians, who know how to manage budgets and give us (yes, pur country's initials literally spell out that pronoun) much better tax credits in return for better public education and better public healthcare. but since these are nonexistent, my husband and I are being guided to finance our retirement and healthcare through a diversified investment portfolio
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Google Rebecca Lynne Buie and do your own research. She has portfolio management down to a science
Thank you for the recommendation. I'll send her an email, and I hope I'm able to connect with her.
Don’t forget the aliens in the macro ha
👽
Nice video, thanks. Second the requests for the entire portfolio👍
🙏
Refreshing to see an American presenter talking at a normal rate - not like that Jim Cramer, ( why that guy is so revered is beyond me, he’s a total turn off for me ) Keep up the good work - thumbs up from 🇬🇧
warren buffett holding atleast 30% of cash compare to his holdings
Warren Buffett is super rich😊
I think you mean Berkshire Hathaway….
Too many stocks! Check Charlie Munger’s well-known investment philosophy: “If you don’t know what you’re doing, diversification is a reasonable strategy.”
Munger’s and Warren Buffett’s share a view that diversification is for investors who lack deep understanding of individual investments. Munger often argues that concentrated investments in well-understood businesses provide better returns if you have the knowledge and conviction to manage them. However, for those less skilled or less informed, diversification acts as a safety mechanism to reduce risk.
In my opinion, there’s no right or wrong way to do it. There’s only the right or wrong way for you.
If you have the time to interview the ceo/board members to learn the pipeline and challenges you can't get the conviction. So diversification is the safe bet. We are not Buffet or Monger.
@@premkumar-gh1uc why to spend so much time on so many individual stocks...as you mention, diversification is a safe bet, and will be hard to even beat the SP500, or as Peter Lynch calls it "diworsification". Imagine you're at a buffet. While it's wise to sample a variety of dishes to avoid disappointment, piling your plate with everything available (including items you don't like or understand) will result in a mediocre meal. The same applies to investing: quality over quantity leads to better outcomes.
You need at least 2% bitcoin on your overall portfolio which would add a 5th to your 4 major buckets. 2% adds diversification where the upside is greater than the rare possible downside of losing 2%. Great content Brian!
Stop it😮😅
This isn’t a bad idea….
Brian, you've got a solid plan, but I think you're sleeping on real estate. Curious to know why it's not a bigger part of your portfolio? 🏠
It's a great asset class. It just doesn't fit my personality. Stocks do.
I love your channel and have learned so much from both Brians. I can't tell but I tried to compare and it looks like your performance is almost identical or less than the QQQ for the time period in the chart. Makes me want to just give up, buy index funds and just spend my time somewhere else.
Nothing wrong with just buying index funds. I have outperformed the QQQ ever so slightly.
I don't believe you
That’s fine. This channel isn’t meant for everybody.