Get free life insurance quotes from America's top insurers and start saving today with Policygenius: policygenius.com/whiteboardfinance Thanks to Policygenius for sponsoring this video!
I think traditional savings accounts are pretty much a no go right now. With rates low, you’re hardly earning anything. I’ve been considering high yield savings accounts or money market accounts instead. At least those offer a bit better interest
High-yield savings can be a safe bet. But I’m also looking into certificates of deposit. Sure, you lock your money in for a period, but they can offer higher rates than savings accounts, especially with some banks trying to attract depositors
CDs can be a great option, but I worry about the liquidity. If you need access to your cash, tying it up in a CD can be risky. I’m leaning more towards short-term bond funds. They can provide decent returns without locking up your money for too long
Exactly! It’s tough to find a balance between earning interest and keeping the cash accessible. This is where a financial advisor can really help. They can tailor recommendations based on your risk tolerance and financial goals.
I had a great experience with my advisor recently. She helped me assess my options and even suggested a diversified approach. Some cash in high-yield savings, a portion in CDs, and a little in low risk bonds. It gave me peace of mind knowing I wasn’t putting all my eggs in one basket
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Wendy Stewart for helping me achieve this
For those moving cash from money market to other assets given the Fed pivot, what are some income-producing assets (not physical real estate) that you are prioritizing over the next year to offset your loss in income?
Dividend Stock and REITs. As interest going down, I think these two asset types are going to be more attractive. Besides getting dividend income, I expect them to get appreciation in value as well.
Even if it just gives 4% dividend growth long term, long term inflation is just 3%. So, that’s still solid. As long as those divvies keep increasing, even in a recession, that’s what i need. I’m thinking huge percentage in SCHD, with smaller amounts in other areas not covered by the fund, like REITS and BDC’s.
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 75k cash earning 4% interest, 685k in roth ira, 120k in 401k, Gold and silver bars. age is 58. My advisr helped me realign my portfolio to my risk tolerance and it boomed shortly.
@@PauleAraiza Well it seems like a lot of your interest is riding on your source, I could really get well accustomed to your viewpoint, get me involved.
I've stuck with ‘’Jennifer Leigh Hickman ” for over 9 years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Rate cuts by central banks can lead to lower returns on traditional savings and investments, often fueling inflation and eroding purchasing power. In such an environment, cryptocurrency can be a strong defense. Unlike fiat currencies, many cryptos have limited supply, making them less susceptible to inflation. As rate cuts drive investors to seek alternative stores of value, crypto’s decentralized nature and potential for growth make it an attractive option to preserve wealth and hedge against the negative effects of monetary policy. Thanks to Luciana Huffman program, i've grasped trading concepts, boosting my earnings through her daily insights.
Profitable trading requires experience, a solid strategy, and preparation, which we lack. Understanding buy/sell ratios, identifying market leaders, and diversifying are key to reducing risk
Nice info, i appreciate your concern this will help a lot especially to the young bitcoin investors who have no or lesser knowledge on how bitcoin market works
The Fed talk of interest rate cut leaves me pondering what stocks to buy now and when do I sell? I'm unsure how to properly spread my money to achieve an optimal portfolio in this present economy, my goal is $3m for retirement.
truth is, utilizing a financial advisor can be the best option as of now, they can help provide personalized strategies that matches your goal and risk tolerance
@arlenehill4ril could you be kind enough with details of your advisor please? how to put my money to work has been my daily thought, thus the search for a reputable advisor
thanks for leaving this here, just came across the consulting page of Karen after inputting her full name on the web, super impressed with what i've seen so far..
With the Fed cutting interest rates by 50 bps, what do you think will happen to the stock market? My portfolio has performed exceptionally well this year, but I am concerned about the possibility of a market crash and losing my gains though but, it's all on a brighter and splurging side for Gold, should I look that way?
Gold and Silver are often seen as a safe-haven asset that can protect against inflation and economic uncertainty. But like any investment, it carries risks. To determine if gold is the right investment option for you, an investment advisor can help you weigh the potential benefits and risks of investing in gold. They can also help you create a well-diversified portfolio that includes gold as part of a broader investment strategy. An investment advisor can help you decide how much of your portfolio should be allocated to gold and select other investments that can complement your gold holdings.
Investing in gold is a reliable choice, and I plan to keep buying more to make up for my losses. While silver is also a good investment, my collectibles are not as similar. It's important to have clear investment goals and educate yourself on the type of investment that interests you. I work with a financial consultant regulated by the SEC, and started small, but eventually accumulated over $800,000.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
‘’Marisa Michelle Litwinsky’’ 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.
Excellent share, just inputted Marisa Michelle Litwinsky on the internet, spotted her consulting page ranked top and was able to schedule a call session. I’ve seen commentaries about advisors but not one looks this phenomenal.
Good point.. the market has been crazy lately, a few surprises here and there.. with all the global happenings taking place I think it’s safe to say that is a viable option
It's crucial for individuals to diversify their portfolios, seek professional financial advice, and stay informed about market trends to navigate these challenges effectively.
You need to get a financial planner or expert on investments to aid diversify your portfolio to commodities index funds, digital assets etc, to provide illumination and guidance in the financial markets.
these Fed rate cuts are really starting to mess with everything. I mean, sure, they were supposed to help, but now I’m feeling the pinch everywhere. My savings account is basically giving me nothing, and the stock market’s all over the place Diversify… T bills, CDs, Gold, dividend stocks, Municipal bonds, Bitcoin, Real estate, etc assets speak when cash has no value
Considering diversification is excellent. Now might be a good time to consult a financial advisor for expert advice and seize opportunities in this volatile market.
Accurate! asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed overtime.
My CFA Carol Vivian Constable, 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.
Thank you for sharing, I must say, Carol appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive.
I'm so happy I'm not the only person who prefer stocks>real estate. People who say real estate is passive income don't understand what passive income is. I'm not dealing with people not paying or any overhead.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Brooke Grace Miller.
Woah for real? I'm so excited. Brooke Miller strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started
Their ...services are very genius and experienced in the market for over a decade and counting, they changed my life from a poor plumber to a better and middle class family man with 2kids.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Brooke Miller.
Woah for real? I'm so excited. Brooke Miller strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
Regardless of the markets ups and down its still a win win working with my FA Susan Kay Mack, people buy stocks with no regard for Macro concerns like inflation and interest rates. That's a rookie mistake,I started my portfolio with precisely 90k grand in stocks last year and currently over 1.3 million in my portfolio , never had major losses . I still believe that the secret to financial stability is having the right investment ideas to enable you earn more money, I don't know who agrees with me but either way I recommend stocks because the stock market is still one of the most potential places to invest your money.
This has been so informative. I’m motivated now more than ever to dive deeper and really learn! I read about Susan Kay Mack on the web she has a great resume
with inflation worries growing, and the Federal Reserve taking a more hawkish approach to interest rates and bond purchase tapering, i feel a correction underway.
I suggest to use a trimmer first. Start with #1, then move to 0 if your clipper has that set. After than use an electric shaver. Last, use your lotion with the razor. I suggest using non fragrant lotion😊 youll have a cleanest shave and zero cuts.
Likewise to others thank you so much for your continued teaching. As a young man starting out you have given me tons of knowledge and am forever grateful to have discovered you back in 2020!! Much love!
I opened S&P etf positions early summer and have been contributing each week and plan to do so thru next year though I wonder if I should have just put the lump sum in.
I think you should lump it in now. Every time I do otherwise I regret it. On the other hand, you have to be able to sleep at night. Maybe you could lump in 1/3 or 1/2 of it, and continue to do the rest of it incrementally on your schedule. That way you get some of the best of both worlds. Now I should take my own advice.
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 Katherine Stewart.
Bitcoin is by far the best asset to store your financial energy in. those that disagree - dont understand it or havent spent the time to study Bitcoin or the current financial system. it's funny that people still disregard it, or even make fun of it. i understand why you need to tip-toe around Bitcoin for your audience purposes, Marko. but that's a shame. studying Bitcoin for 10-100 hrs should have you putting 25% of your assets in Bitcoin. then keep studying and learning, and that amount will soon be >75% any other allocation is diversifying ignorance. Marko - come to a local meetup again!
Bitcoin is by far my highest ROI investment and I’ve been investing since 2006. It is absolutely spot on. It is the greatest form of money ever created by humans, unlike the fiat petrodollar.
Hi Marko. I would've mentioned also a reason for stocks above re(weather it's your private home which isn't really an investment or a rental property) . You still have to pay, interest, insurance, maintenance, taxes, repairs on any real estate. That's how i see it. More head ache and costs, not always worth it. Also you can park 1000 bucks in stocks via fractional shares, etc. But unless you buy a reet you can't invest 1000 dollars or small amounts in a physical property. 😁👍👊🏼🧡
why go with a cd when you could put it into a cash account like wealthfront or m1 finance, when they have a higher rate and you can withdrawal at any time
"Parking cash" =/= long term investing (time horizon of 5+ years.) The purpose of cash is to bail you out if you have an emergency, not to build generational wealth like stocks/real estate/crypto, so it has to remain liquid with reduced risk premium payouts. The purpose of your cash will guide the decision of whether to park it in cash/equivalents for emergency fund/short term goal OR invest it for the long term.
But when your money is tied up in these investments, how can you actually spend the money on something? Say I've parked my money in the stock market via index funds, and a couple years later I want to go on vacation.
@@fcsuper yeah but most coin shops offer spot price, and if you have American Eagles they will offer over spot. They make their money by reselling at a premium
@@LongBoy.0 can you hold bitcoin physically in your hands? Can you use it to barter for goods if the power goes out? Can you access your BTC and use it for payment if the internet goes down? BTC sounds good, but if a disaster happens, it is utterly useless
Marco, "Marco! Bitcoin is a scam. Don't buy it!" Actually, it would be good to see a refresher on how to buy, manage and spend Bitcoin, and if there are any other cryptocurrencies worth our attention.
fc there are plenty of options in crypto if you want to gamble. For the rest of us, its bitcoin only. Learn why this is the case. They are not the same.
Yea I disagree bitcoin is speculative, it’s to much volatility, I personally believe it’s a ponzi scheme and it just sit their it doesn’t produce anything like gold if it was me I would have put stocks as s tier , real estate a tier and bitcoin d or c tier
Great analysis, thank you! Just a quick off-topic question: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?
And no risk at all if you don't think US would default. Not to mention I can always sell it in secondary market (e.g. Fidelity) partially when I need money (e.g. use it to buy index ETF in market dips).
Definitely also sticking with t-bill over the cd or high yield. I still put some in my high yield for the liquidity aspects but most of what I “don’t need right now” is going into my t bills.
So I know your a proponent of Bitcoin and I have some bitcoin myself and I actually already bought The Bullish Case for Bitcoin, its in my queue of books to read. Im actually genuinly curious, if Bitcoin is S-tier and you really believe in it, does that mean the majority of your money is in Bitcoin even over real estate and stocks ?
@@WhiteBoardFinance Marko if your confidence in the future of BTC is high, I'm curious as to why you would wait for it to become a mature asset class? If we believe Uptober is coming/future bull runs are highly likely, and financial giants like BlackRock and Fidelity are showing massive institutional adoption, then why wait/not take advantage of a potentially undervalued asset now?
@@donaldbiden9492 You need to put in the work, otherwise you will keep making nonesense comments like bitcoin and crypto are the same thing. Start by searching for information on how bitcoin solves the byzantine generals problem. That will get you started.
@@donaldbiden9492 volatile yes, but hes talking about long-term trends. If you're wanting the ability to move BTC money at the drop of a hat, probably not the best option--with that though is the tradeoff of likely less growth.
Bitcoin? Ok grandpa. You enjoy your boring ass crypto, us actual investors are gonna be piling cash into poopoopeepeecoin. You don’t even get staking rewards with bitcoin lmfaooooo “S tier”
Did this guy just said Bitcoin is the best place to hold your savings cash Most youtube Bitcoin experts listen to other youtubers called experts and call it education😂
"If you don't believe in Bitcoin, I don't have time to explain it to you." And honestly, that tag line is probably why cryptocurrencies face the pushback that they do.
Crypto is too speculative to sleep well at night. It can crash and will probably will. It's a growth stock equivalent. Not a good place to park your cash. Sorry I can't agree.
Objectively, you're wrong and Bitcoin (not other crypto) has been a great place to put some of your money and has outperformed just about everything. If the volatility is keeping you up, you don't understand what you're buying, and/or your allocation is too big.
Agreed. I don't know if I trust something that only exists digitally and is not linked to anything physical. This means that it can literally go to zero at any time. I also don't believe that more can't be created when the anonymous person who created it in the first place can always change their mind.
@@michaelcurtis106 that's literally not how bitcoin works. It would take the entire market to adopt these new "rules" for it to take place. People have already tried to make Bitcoin "better" by changing the rules and very few market participants actually adopt it. Nobody can just go in and change it. You are misinformed
@@XxChuyoxX he said park your cash. Investing is another issue. If you want to invest 5% 10% of your portfolio into Bitcoin for growth purposes then have at it.
@@michaelcurtis106 Michael, this is a great place to start from. The bitcoin ethos is all about not trusting, and verifying yourself. You are correct to be speculative, but try not to use it as an excuse to stop learning. There is a reason this asset has gained the traction it has so far. Aren't you curious?
What about all of the bitcoin mining facilities going up in small towns causing excessive, constant noise and serious health issues for people near by? Unfortunately the investment isn’t without moral conflict and consequences..
Get free life insurance quotes from America's top insurers and start saving today with Policygenius: policygenius.com/whiteboardfinance Thanks to Policygenius for sponsoring this video!
I think traditional savings accounts are pretty much a no go right now. With rates low, you’re hardly earning anything. I’ve been considering high yield savings accounts or money market accounts instead. At least those offer a bit better interest
High-yield savings can be a safe bet. But I’m also looking into certificates of deposit. Sure, you lock your money in for a period, but they can offer higher rates than savings accounts, especially with some banks trying to attract depositors
CDs can be a great option, but I worry about the liquidity. If you need access to your cash, tying it up in a CD can be risky. I’m leaning more towards short-term bond funds. They can provide decent returns without locking up your money for too long
I’m just concerned about market volatility and the potential for losses. It feels like everything is so uncertain right now
Exactly! It’s tough to find a balance between earning interest and keeping the cash accessible. This is where a financial advisor can really help. They can tailor recommendations based on your risk tolerance and financial goals.
I had a great experience with my advisor recently. She helped me assess my options and even suggested a diversified approach. Some cash in high-yield savings, a portion in CDs, and a little in low risk bonds. It gave me peace of mind knowing I wasn’t putting all my eggs in one basket
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Wendy Stewart for helping me achieve this
I'm surprised that you just mentioned and recommended Wendy Stewart, I met her at a conference in 2018 and we have been working together ever since.
she's mostly on Instagrams, using the user name
@Fxstewart12 ..that's it .
Please tell her that I reffed you 👍
She’ll guide you💯
thank you whiteboy finance
My pleasure!
I thought I heard that too lmfao
“Whiteboy finance”. That is so funny. 😆
😂😂😂
White boy! 😂
For those moving cash from money market to other assets given the Fed pivot, what are some income-producing assets (not physical real estate) that you are prioritizing over the next year to offset your loss in income?
Dividend Stock and REITs. As interest going down, I think these two asset types are going to be more attractive. Besides getting dividend income, I expect them to get appreciation in value as well.
Even if it just gives 4% dividend growth long term, long term inflation is just 3%. So, that’s still solid. As long as those divvies keep increasing, even in a recession, that’s what i need. I’m thinking huge percentage in SCHD, with smaller amounts in other areas not covered by the fund, like REITS and BDC’s.
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 75k cash earning 4% interest, 685k in roth ira, 120k in 401k, Gold and silver bars. age is 58. My advisr helped me realign my portfolio to my risk tolerance and it boomed shortly.
@@PauleAraiza Well it seems like a lot of your interest is riding on your source, I could really get well accustomed to your viewpoint, get me involved.
I've stuck with ‘’Jennifer Leigh Hickman ” for over 9 years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Rate cuts by central banks can lead to lower returns on traditional savings and investments, often fueling inflation and eroding purchasing power. In such an environment, cryptocurrency can be a strong defense. Unlike fiat currencies, many cryptos have limited supply, making them less susceptible to inflation. As rate cuts drive investors to seek alternative stores of value, crypto’s decentralized nature and potential for growth make it an attractive option to preserve wealth and hedge against the negative effects of monetary policy. Thanks to Luciana Huffman program, i've grasped trading concepts, boosting my earnings through her daily insights.
she's mostly on Telegrams, using the user name
@LucianaHuffman.
Luciana Huffman Crypto knowledge is like a secret recipe for success…
Profitable trading requires experience, a solid strategy, and preparation, which we lack. Understanding buy/sell ratios, identifying market leaders, and diversifying are key to reducing risk
Nice info, i appreciate your concern this will help a lot especially to the young bitcoin investors who have no or lesser knowledge on how bitcoin market works
The Fed talk of interest rate cut leaves me pondering what stocks to buy now and when do I sell? I'm unsure how to properly spread my money to achieve an optimal portfolio in this present economy, my goal is $3m for retirement.
truth is, utilizing a financial advisor can be the best option as of now, they can help provide personalized strategies that matches your goal and risk tolerance
@arlenehill4ril could you be kind enough with details of your advisor please? how to put my money to work has been my daily thought, thus the search for a reputable advisor
thanks for leaving this here, just came across the consulting page of Karen after inputting her full name on the web, super impressed with what i've seen so far..
With the Fed cutting interest rates by 50 bps, what do you think will happen to the stock market? My portfolio has performed exceptionally well this year, but I am concerned about the possibility of a market crash and losing my gains though but, it's all on a brighter and splurging side for Gold, should I look that way?
Gold and Silver are often seen as a safe-haven asset that can protect against inflation and economic uncertainty. But like any investment, it carries risks. To determine if gold is the right investment option for you, an investment advisor can help you weigh the potential benefits and risks of investing in gold. They can also help you create a well-diversified portfolio that includes gold as part of a broader investment strategy. An investment advisor can help you decide how much of your portfolio should be allocated to gold and select other investments that can complement your gold holdings.
Investing in gold is a reliable choice, and I plan to keep buying more to make up for my losses. While silver is also a good investment, my collectibles are not as similar. It's important to have clear investment goals and educate yourself on the type of investment that interests you. I work with a financial consultant regulated by the SEC, and started small, but eventually accumulated over $800,000.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
‘’Marisa Michelle Litwinsky’’ 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.
Excellent share, just inputted Marisa Michelle Litwinsky on the internet, spotted her consulting page ranked top and was able to schedule a call session. I’ve seen commentaries about advisors but not one looks this phenomenal.
Cryptocurrency to the rescue
Honestly this cannot be overemphasized, helping people mitigate unforseen circumstances and mistakes .It's always good to have a financial plan,
Good point.. the market has been crazy lately, a few surprises here and there.. with all the global happenings taking place I think it’s safe to say that is a viable option
No doubt diversification cannot be overemphasized, making smart plans and setting up diversified investment portfolios is quite essential.
It's crucial for individuals to diversify their portfolios, seek professional financial advice, and stay informed about market trends to navigate these challenges effectively.
You need to get a financial planner or expert on investments to aid diversify your portfolio to commodities index funds, digital assets etc, to provide illumination and guidance in the financial markets.
these Fed rate cuts are really starting to mess with everything. I mean, sure, they were supposed to help, but now I’m feeling the pinch everywhere. My savings account is basically giving me nothing, and the stock market’s all over the place
Diversify… T bills, CDs, Gold, dividend stocks, Municipal bonds, Bitcoin, Real estate, etc assets speak when cash has no value
Considering diversification is excellent. Now might be a good time to consult a financial advisor for expert advice and seize opportunities in this volatile market.
Accurate! asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed overtime.
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
My CFA Carol Vivian Constable, 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.
Thank you for sharing, I must say, Carol appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive.
I'm so happy I'm not the only person who prefer stocks>real estate. People who say real estate is passive income don't understand what passive income is. I'm not dealing with people not paying or any overhead.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Brooke Grace Miller.
Woah for real? I'm so excited. Brooke Miller strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
Their
...services are very genius and experienced in the market for over a decade and counting, they changed my life from a poor plumber to a better and middle class family man with 2kids.
I'm new at this, please how can I reach her?
she's mostly on Instagrams, using the user name
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Brooke Miller.
Woah for real? I'm so excited. Brooke Miller strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started
Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
she's mostly on Instagrams, using the user name
The cost of owning real estate is getting rough. From labor costs to insurance you really need volume to make it work.
Property taxes too
How about RE investment platforms like Fundrise? Is it worth investing?
@@rshcamno way. No control over what you are investing in. Better to park the money in an index fund over Fundrise
Regardless of the markets ups and down its still a win win working with my FA Susan Kay Mack, people buy stocks with no regard for Macro concerns like inflation and interest rates. That's a rookie mistake,I started my portfolio with precisely 90k grand in stocks last year and currently over 1.3 million in my portfolio , never had major losses . I still believe that the secret to financial stability is having the right investment ideas to enable you earn more money, I don't know who agrees with me but either way I recommend stocks because the stock market is still one of the most potential places to invest your money.
This has been so informative. I’m motivated now more than ever to dive deeper and really learn! I read about Susan Kay Mack on the web she has a great resume
The stock market controls a huge part of my passive income portfolio, I invest big and my profits come even bigger
I googled the lady you mentioned, and after going through her credentials, I can tell she's a pro, I'll be writing her a mail shortly.
with inflation worries growing, and the Federal Reserve taking a more hawkish approach to interest rates and bond purchase tapering, i feel a correction underway.
I suggest to use a trimmer first. Start with #1, then move to 0 if your clipper has that set. After than use an electric shaver. Last, use your lotion with the razor. I suggest using non fragrant lotion😊 youll have a cleanest shave and zero cuts.
I don't know much about Bitcoin. Too clandestine for my taste. I prefer index funds & real estate.
Physical gold is a nice diversifying asset class. The main downside besides secure storage is the bid ask spread.
study bitcoin
Likewise to others thank you so much for your continued teaching. As a young man starting out you have given me tons of knowledge and am forever grateful to have discovered you back in 2020!! Much love!
Im buying SCYB every week now. Good yield and extremely diversified
HYSA will drop with fed actions so it is good as of today, but would definitely be less than CD or TBill you could lock in today.
Marko low key becoming a BTC maxi and I’m here for it. October pump is upon us.
He did say in another video that if he didnt have a family he would be close to 100% btc allocation
lol not close to 100% but much more than 15-20%
Keep it up Marco. You provide very good insight
BTC💪🏼
About to hit 1 million subscribers, congrats
I would rate Tbills higher than HYSA due to exemption from state tax.
Another good video. Appreciate it, Marko.
Glad you enjoyed it
Gold has self custody and an ETF, too. The former has some unique value for gold as well. Good list overall
Great video Marko. Thanks for the financial wisdom!
I’ll take some time to consider how each option fairs against taxes.
Marko you the goat
I opened S&P etf positions early summer and have been contributing each week and plan to do so thru next year though I wonder if I should have just put the lump sum in.
I think you should lump it in now. Every time I do otherwise I regret it. On the other hand, you have to be able to sleep at night. Maybe you could lump in 1/3 or 1/2 of it, and continue to do the rest of it incrementally on your schedule. That way you get some of the best of both worlds. Now I should take my own advice.
Thanks, Marko! 🙌
Can you do a video on bitcoin 101. And to buy bitcoin??
Thanks for another video Marko! ❤️
Hope you enjoyed it!
Would you recommend more a bitcoin ETF or hard bitcoin?
always always always self custody. Not your keys not your crypto.
Get the real stuff Ralphy
Both get all ya can
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 Katherine Stewart.
I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week...
Katherine Stewart strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started
Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading
As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.
The first time we had tried, we invested $1400 and after a week we received $5,230. That really helped us a lot to pay our bills.
Thoughts on Fundrise as a valid alternative to physical Real Estate, without the headache?
Bitcoin is by far the best asset to store your financial energy in.
those that disagree - dont understand it or havent spent the time to study Bitcoin or the current financial system.
it's funny that people still disregard it, or even make fun of it.
i understand why you need to tip-toe around Bitcoin for your audience purposes, Marko.
but that's a shame.
studying Bitcoin for 10-100 hrs should have you putting 25% of your assets in Bitcoin.
then keep studying and learning, and that amount will soon be >75%
any other allocation is diversifying ignorance.
Marko - come to a local meetup again!
S-Tier place to park cash: The ETF CSHI (NEOS Enhanced Income 1-3 Month T-Bill ETF)
What do you think about the farming crisis?
Feeding the algorithm because Marco is a real one.
Are you really suggesting people put their emergency funds into Bitcoin? Come on, man that is crazy. You are typically spot on.
Bitcoin is by far my highest ROI investment and I’ve been investing since 2006. It is absolutely spot on. It is the greatest form of money ever created by humans, unlike the fiat petrodollar.
Hi Marko. I would've mentioned also a reason for stocks above re(weather it's your private home which isn't really an investment or a rental property) . You still have to pay, interest, insurance, maintenance, taxes, repairs on any real estate. That's how i see it. More head ache and costs, not always worth it.
Also you can park 1000 bucks in stocks via fractional shares, etc. But unless you buy a reet you can't invest 1000 dollars or small amounts in a physical property. 😁👍👊🏼🧡
why go with a cd when you could put it into a cash account like wealthfront or m1 finance, when they have a higher rate and you can withdrawal at any time
Didnt know MArko is a bitociner. Instant sub
"Parking cash" =/= long term investing (time horizon of 5+ years.) The purpose of cash is to bail you out if you have an emergency, not to build generational wealth like stocks/real estate/crypto, so it has to remain liquid with reduced risk premium payouts.
The purpose of your cash will guide the decision of whether to park it in cash/equivalents for emergency fund/short term goal OR invest it for the long term.
Just the video I needed! All saved research time ima grow health portfolio. Aye 👍 n Share Marko underrated af
My portfolio is filled with ETFs that pay monthly dividends and are paying 12%-14% for the last 3 years
Thanks
But when your money is tied up in these investments, how can you actually spend the money on something? Say I've parked my money in the stock market via index funds, and a couple years later I want to go on vacation.
I would love to see you do a video on usury-free/halal investments.
you can go sell the gold at a coin shop if you need money though
But never at spot. There's always a cut, and that cut is usually larger than any fees you'll see with bank accounts.
@@fcsuper yeah but most coin shops offer spot price, and if you have American Eagles they will offer over spot. They make their money by reselling at a premium
bitcoin is superior to gold in almost every way.
@@LongBoy.0 can you hold bitcoin physically in your hands? Can you use it to barter for goods if the power goes out? Can you access your BTC and use it for payment if the internet goes down?
BTC sounds good, but if a disaster happens, it is utterly useless
@@fcsuper basically all coin shops pay spot price, not under it. If you have American Eagles, most shops will pay you a premium over spot
Marco, "Marco! Bitcoin is a scam. Don't buy it!" Actually, it would be good to see a refresher on how to buy, manage and spend Bitcoin, and if there are any other cryptocurrencies worth our attention.
I can do a new video for 2024 on that! Thx 🙏
@@WhiteBoardFinancewould be a great vid coming from you!
fc there are plenty of options in crypto if you want to gamble. For the rest of us, its bitcoin only. Learn why this is the case. They are not the same.
Yea I disagree bitcoin is speculative, it’s to much volatility, I personally believe it’s a ponzi scheme and it just sit their it doesn’t produce anything like gold if it was me I would have put stocks as s tier , real estate a tier and bitcoin d or c tier
Absolutely crazy someone in finance would recommend bitcoin.
You dont understand bitcoin lol
@@Airmaster360 Explain?
@@ArekDev @Airmaster360 Ya airmaster, explain bitcoin in a youtube comment. lol! HFSP losers. We dont have time to educate your asses.
Great analysis, thank you! Just a quick off-topic question: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?
T-bills are not subject to state taxes, so it’s total return is higher than a CD or High Yield accounts with similar rates of return.
And no risk at all if you don't think US would default. Not to mention I can always sell it in secondary market (e.g. Fidelity) partially when I need money (e.g. use it to buy index ETF in market dips).
Definitely also sticking with t-bill over the cd or high yield.
I still put some in my high yield for the liquidity aspects but most of what I “don’t need right now” is going into my t bills.
I'm highly inspired.
Please spill some sugar about the bi-weekly stuff you mentioned.
So I know your a proponent of Bitcoin and I have some bitcoin myself and I actually already bought The Bullish Case for Bitcoin, its in my queue of books to read.
Im actually genuinly curious, if Bitcoin is S-tier and you really believe in it, does that mean the majority of your money is in Bitcoin even over real estate and stocks ?
No because it’s still not a mature asset class. Its 15%-20% of my net worth at all times vs equities and real estate being 33% each
@@WhiteBoardFinance doesnt S-tier imply best? Sounds kinda B/C tier to me lol
@@WhiteBoardFinance Marko if your confidence in the future of BTC is high, I'm curious as to why you would wait for it to become a mature asset class? If we believe Uptober is coming/future bull runs are highly likely, and financial giants like BlackRock and Fidelity are showing massive institutional adoption, then why wait/not take advantage of a potentially undervalued asset now?
@@LateBrake8 sounds to me like hes prioritizing stability over growth. Doesnt make BTC any less good, just best for his specific needs.
@@DanMan1990 if it was the best overall or best for his specific needs, it wouldnt only be 15% of his investments/net worth. Not S-tier, evidently.
Are you looking for a freelance video editor to make your videos more engaging?
Thank you sir!
You are welcome!
I'm content with a high yield savings account.
“Not the Progressive lady” 😂 Sponsor better be giving you a kickback on top for that one
Can non US (EU) citizens invest into those American assets?
What hates you more after this video : the algorithm or Peter Schiff?
Nice hair buddy! I wish it were mine!
No junk bonds and covered call etfs?
If the USA defaults on their debts, the fact that your T-Bills didn't pay out is going to be the least of your concerns.
What % of net worth would you recommend a 33 yo to put in Bitcoin?
I did not get you tube premium to hear ads. TH-cam please filter these channels out.
Bitcoin is king🍊💊👍🧡🧡🧡
Kagda oni tansuyit, naouka pashla mimo nih. :)!1😅
Thats crazy you have to act nervous about mentioning Bitcoin. Screw the haters
Crypto is far too volatile. Having it at the top of your list invalidates this entire video.
Bitcoin, not crypto. Monumental difference
@@WhiteBoardFinance what are you talking about? Bitcoin is a cryptocurrency and also very volatile.
@@donaldbiden9492 You need to put in the work, otherwise you will keep making nonesense comments like bitcoin and crypto are the same thing. Start by searching for information on how bitcoin solves the byzantine generals problem. That will get you started.
@@donaldbiden9492 volatile yes, but hes talking about long-term trends. If you're wanting the ability to move BTC money at the drop of a hat, probably not the best option--with that though is the tradeoff of likely less growth.
@@donaldbiden9492 you must not understand Bitcoin's purpose
What’s the watch of the day Marko? 👀👀👀
Post more often
I will I was working for another company and on a vacation recently. I’ll shoot for 1-2 vids per week!
Bitcoin to the moon!! Buy and HODL
Did the university end?
No it's still up and running! We have livestreams every Wednesday.
11:20 Cant go to costco and shave off gold lol 😆😆😆😆😆
LETS GO!!!!! $BTC
Isn't bitcoin the most risk though...Bitcoin could be $30,000 per coin tomorrow. Crytpo is gambling, not investing.
It's a long term hold. Hold it for more than 4 years and you can't lose.
You dinged gold for not being able to buy groceries with it but then gave real estate & stocks a pass. Hmm..
Parking your cash in a CD is a much idea than real estate, gold, or Bitcoin.
Parked cash to me is emergency fund. That is in US Treasuries and gold.
emergency fund should be as liquid as possible my friend. If you have an emergency how are you going to quickly use those assets for said emergency?
@@DanMan1990 I can get the money in my treasuries in 1 day and gold can be sold that day. Obviously some cash as well but not to much.
I agree bitcoin is gonna moon long term
Bitcoin? Ok grandpa. You enjoy your boring ass crypto, us actual investors are gonna be piling cash into poopoopeepeecoin. You don’t even get staking rewards with bitcoin lmfaooooo “S tier”
😂
Bring back the beard 🧔♂️ 🎉
BTC 🚀🚀🚀
Bitcoin as #1? Not sure about that but no thanks for that. It's so volatile.
@17:36 Eh, as a holder of BTC, Past performance doesn't = Future results.
Bitcoin honestly made me more money than everything else overall.
Did this guy just said Bitcoin is the best place to hold your savings cash
Most youtube Bitcoin experts listen to other youtubers called experts and call it education😂
Yes I did and am up 1,000%+ by saving in bitcoin over the last 7 years.
HFSP
$89k 1 month after this comment. Ouch.
"If you don't believe in Bitcoin, I don't have time to explain it to you."
And honestly, that tag line is probably why cryptocurrencies face the pushback that they do.
I’ve been buying Bitcoin on Robinhood due to ease of use. Hesitant to get a crypto wallet, afraid I’ll lock myself out of it.
Bitcoin hands down blows any investment out the water, I been buying since 2017
Crypto is too speculative to sleep well at night. It can crash and will probably will. It's a growth stock equivalent. Not a good place to park your cash. Sorry I can't agree.
Objectively, you're wrong and Bitcoin (not other crypto) has been a great place to put some of your money and has outperformed just about everything. If the volatility is keeping you up, you don't understand what you're buying, and/or your allocation is too big.
Agreed. I don't know if I trust something that only exists digitally and is not linked to anything physical. This means that it can literally go to zero at any time. I also don't believe that more can't be created when the anonymous person who created it in the first place can always change their mind.
@@michaelcurtis106 that's literally not how bitcoin works. It would take the entire market to adopt these new "rules" for it to take place. People have already tried to make Bitcoin "better" by changing the rules and very few market participants actually adopt it. Nobody can just go in and change it. You are misinformed
@@XxChuyoxX he said park your cash. Investing is another issue. If you want to invest 5% 10% of your portfolio into Bitcoin for growth purposes then have at it.
@@michaelcurtis106 Michael, this is a great place to start from. The bitcoin ethos is all about not trusting, and verifying yourself. You are correct to be speculative, but try not to use it as an excuse to stop learning. There is a reason this asset has gained the traction it has so far. Aren't you curious?
What about all of the bitcoin mining facilities going up in small towns causing excessive, constant noise and serious health issues for people near by? Unfortunately the investment isn’t without moral conflict and consequences..
What do you think backs the US dollar lol 🔫🛢️
Bitcoin is still valued/traded in Fiat. Until it isn't, it isn't the greatest. Still a good choice for some of one's assets.
So are other assets
You should stop typing before you get your morning coffee into ya
@@MusicMenacer sorry I was too busy buried into your mom when I was typing. I'll wait until after next time.
@@jasons7070 lol
"Don't buy Amazon stock in 2010 because it isn't the biggest company in the world yet."
I park my money in $JEPQ which pays 9% monthly and XDTE which pays 7-8% weekly. Yes, you read that correctly. WEEKLY!
I thought I read Hourly!
I've got some RDTE and QDTE. Good Job!
Bitcoin?! SMH. I agree with the rest if the list though. Good video overall.