How To Benefit From The Coming Recession
ฝัง
- เผยแพร่เมื่อ 6 ก.พ. 2025
- 🔥 Azul's Newsletter: www.azulwells....
❓ Ask Azul a question ➡ forms.gle/85rV...
🔥 Follow Azul on Twitter: / azul_wells
💲 NEED FINANCIAL ADVICE? 💲
1) Google "fee-only financial adviser" or visit www.NAPFA.org (largest association of fee-only financial advisers). NOT an affiliate link
2) The first question to ask any financial adviser is, "Are you a fiduciary to me 100% of the time". Get the answer in writing
3) Please note that some people call themselves "fee-based". This is NOT the same as fee-only. Fee-only advisers have committed to being fiduciary to you 100% of the time.
4) Personally, I would only hire an adviser who is a fiduciary to me 100% of the time. This is not a suggestion on what you should do. Just sharing my personal preference.
⚠️ Azul's "Scammer" Warning ➡ PLEASE READ! ⚠️
Be careful of scammers. In the comments section, I will NEVER ask you to contact me, offer any investment products, recommend a stock broker, or anything similar. Some scam bot commenters 'ask' for investment help, and later, other comment bots reply with "how great X idea/investment/person is" in the replies. These are scam threads. Do not fall for them.
🚨 Azul's VIDEOS ARE NOT FINANCIAL ADVICE (Disclaimer) 🚨
This information is only provided as an informational resource and should not be viewed as investment advice or recommendations. To get professional financial advice from a fee-only financial advisor near you, please visit www.napfa.org.
The decisions on how to invest, when to retire, and other financial planning topics are some of the most important financial decisions you will make in your life. I urge you to seek professional financial advice as you make this decision. Ideally, from a financial adviser, AND a CPA AND an attorney. Having the perspective of all three professions will help you make the right decision for you and your family.
This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and may NOT be suitable for all investors.
This information is NOT intended to, and should NOT, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, and/or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.
Spoiler Alert: There are no "get rich" programs. Rather, just basic blocking & tackling and putting in time and care. Do your homework, choose wisely and (IMHO) work with experienced professionals who are fiduciary to you 100% of the time.
*394 {Hammad}[Parvez] How To Benefit From The Coming Recession
Recessive periods come along with equivalent market opportunities if you are well informed and equipped, I've seen folks amass wealth in the midst of economic turmoil and even pull it off easily in favorable conditions. Invariably, the collapse is getting somebody somewhere rich
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.
Risk mitigation is indeed something to consider well before setting out on inveestments. Most often than not, CFAs take care of this perfectly. People downplay the role of CFAs until being burnt by their own instincts. I was in a similar situation a few years ago; Took my chances but stocks went crashing. Realizing I wasn't good at timing the market, I started working with an Adviser, which helped me build a $1.6m portfolio.
Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
I've stuck with SHARON ANN MENY since the pandemic, and her performance has been consistently impressive. She’s quite known in her field with over two decades of experience, simply look her up.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
Recessions are an unavoidable part of the economic cycle; all you can do is prepare for them and plan accordingly. I graduated into a slump (2009). My first job after graduating from college was as an aerial acrobat on cruise ships. Today, I own three rental properties, invest in stocks and businesses, run my own company, and have increased my net worth by $800k in the last four years.
It's a delicate season now, so you can do little or nothing on your own.Hence I will suggest you get yourself a professional that can provide you with entry and exit points on the securities you focus on.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
Who is this person guiding you and how can i reach he/she?
Annette Christine Conte 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
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.
I retired from regular work in 2009 at 63. Having massive paper losses was scary. My major financial choice was to take Social Security at 64 because I needed some regular cash flow to avoid selling depressed assets. Between Social Security, earnings on those depressed assets and taking occasional contract work, I was able to avoid selling and locking in the losses. I was able to actually at times buy some more assets at a bargain price. With time the depressed assets came back and went on to more than double. At present I am forced to do some selling to satisfy the annual RMD. I usually pay during the year out of earnings and adjust at the end of the year. This year the economies of the world are slowing. I decided to sell off some stock mutual funds that produce little in earnings but have shown unusual growth in the past year. As stocks are overvalued and we are moving into unstable times I will take my winnings now. This is not advice, just my sharing one person's thoughts and actions.
Used to think investors lose out amid crash, meanwhile some make profits. I also thought folks went out of business during the great depression, but some went into business. Bottom line, there's always depression for some while others amass wealth gains.
well said, in my opinion, times are crazy now, hence everyone needs a sort of financial planning in order to thrive forward. ideally, investment advisors are the best reps for getting the job done
Right, a lot of folks downplay the role of advisors until being burnt by their own emotions, no offense. I remember years back, amid covid-19 outbreak, I needed a good boost to help my business stay afloat, thus researched for licensed advisors, and thankfully came across someone of excellence. She's helped grow my reserve notwithstanding inflation, from $350k to nearly $1m as of today.
this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
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.
Thanks for the info. I searched for her full name and found her website right away. I reviewed her credentials and did my research before reaching out to her.
Economists have predicted 52 of the last 3 recessions.
Most economists are retired clows from the circus.
😂😂😂
they are 100% correct, 5.7% of the time.
True
@@eradicator187 That is an insult to circus clowns.
I personally just rode out the 2008 and 2022 drops in the market and tried not to look at the numbers too often. It was enough to give one an ulcer, lol. Glad I did.
if you have time on your side you can wait out bear markets and benefit from the eventual rebound
Me too. I tend to freeze when the market crashes, and that’s generally worked out just fine. But definitely better to keep any money you might need in the next few years OUT of the stock market, in case you do have to stay frozen for several years. Especially if retired or subject to being laid off. (Ok, that’s pretty much all of us!)
Same here, I rode the recovery up daily cost averaging before during and after until today.
Yes, I remember not opening my statements in the 2008 - 2009 recession. 😂😂 It was better not to know!
On a brighter note, every recession comes with an equal chance in the fin-mrkt if you're early informed and equipped, I've read folks amass up to 7 figures during these times, and even pull it off easily in a favorable economy. Truthfully, I’d need guide please for a boomer like me to attain such amount for retirement, we definitely need to benefit from this situation somehow.
Stocks are pretty volatile now, but if you do the right math, you should be just fine, where as you can save yourself the hassle as well time by seeking professional guidance
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Please can you leave the info of your investment advisor here? I’m in dire need for one
Jessica Lee Horst is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment...
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
I keep 3 years worth of expenses in the bank (reserves) and the rest in index funds. I keep watch my fidelity count daily, but no longer sweat big dips. It always comes back. Years I'm up, I replenish my reserve. Down years, I live off the reserve. It works well and I sleep like a baby
How long did it take to come back after 2001 market drop to break even? 13 years. Sure, it always comes back just need to wait long enough.
Excellent strategy ❤
If recessions have taught me anything. It is that you buy as much of the companies you use and like and hold long term. 2008 made millionaires billionaires.
This is no guarantee
Excellent reminder Azul that the long term trend of quality companies as in the S&P Index has always been up. Thank you
you have not lived through a ten-year bear market, I get that vibe
How long did it take to come back after 2001 recession and market drop to break even? 13 years. Sure, it always comes back just need to wait long enough.
just need to live long enough.
@ Like 200+ year and you should be good. I think it is almost a rule to introduce some kind of irrationality in any new video.
that chart at 1:21 is very misleading because it's log scale. It doesn't show just how big a drop those things marked in yellow actually were. For example the s&p 500 dropped 48% in 2008, but its just a small bump in that chart.
The info presented highlights why it is SO important to know your risk tolerance and an appropriate allocation and stick with it.
And for those nearing or in retirement with adequate resources error on the conservative side and reduce equity exposure a bit.
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
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.
Boy, is this comment section ever full of scammers! 😡
the scammer scamming in comment sections are likely part of this channel, as azul never acknowledged it!
💯
All of the financial channels are full of similar scammers. TH-cam needs to address it.
With the current economy I’m close to retirement and worried about inflation and market volatility affecting my savings.
It’s ideal to discuss with a licensed advisor for anything related to economic forecasts, but my best guess is that sectors like healthcare and utilities might hold up better in 2025, especially for retirees.
Straight up, I’m in line with having an advisor oversee my retirement planning because my job doesn’t permit me the time to analyze economic trends myself. Thankfully, my portfolio has been stable despite the recent market swings, and I’m on track to retire comfortably. Thankfully, my portfolio has 3X in 1 year, summing up nearly $2.5m as of today
This is huge! Mind revealing info about your advisor here, please? I’m in dire need of proper guidance on how to adjust my retirement strategy for 2025. .
I’ve stuck with "Peter Dewitt Martin" since the COVID-crash of 2020, and his performance has been impressive to date. He’s quite renowned in his field with over 10 years of experience, and with his free consultations, I say it’s a sure yes.
I searched for his name online and found his website-it’s very informative, and his educational background is impressive. Thanks for the recommendation!
Important points made.
My contribution : No one, NO ONE, not even THE MOST ASTUTE, CLEVER, FUND MANAGER knows what the stock market is going to do. So one needs a "well diversified" portfolio if one is going to (be able to) stay invested during market downturns - and during market up-turns. One also needs to ensure that one has cash-on-hand (an emergency cash fund and/or money that can be made liquid - if and when necessary - so that one is not forced (or tempted) to sell during a market down-turn.... when panic sets in.
Indexed funds are quite a good (diversified) and passive investment vehicle.
An important thing to remember : investing has 2 driving forces, greed and fear. One needs to understand one's own greeds and fears and how these impact one's investment responses 😊
Why do investment advisors focus only on stock and bonds? Is that because those are the only things they make money on? There are many other ways to invest.
The recession scare is surreal and the market is really panicking at this moment and I'm worried what effect this frenzy could have on my portfolio of about 80k. Could you make any recommendations on how I could preserve my portfolio during this period and also make profit from the market situation?
Every crash/collapse brings with it an equivalent market chance if you are early informed and equipped, I've seen folks amass wealth amid economy crisis, and even pull it off easily in favorable conditions. That should be the least of your concern. Also explore the option of working with a CFA to reduce greatly your chances of loss.
You're right, I and a few Neighbors in Bel Air Area work with an Investment Adviser who prefers we DCA across other prospective sectors instead of a lump sum purchase. As a result, my portfolio has recorded significant improvement even during the most unfavorable market season.
Do you mind sharing info on the adviser who assisted you? I would love to grow my stock portfolio and plan my retirement
Her name is Annette Marie Holt can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
If there's a recession, I'll do a large Roth conversion to take advantage of future tax-free growth.
If you are a long term investor you dont have to do anything , apart from buying some more when it dumps . See it as a discount.
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 would really love to know how much work you did put in to get to this stage
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.
It’s not timing the market, it’s time in the market.
Most stock indexes make changes to 'adjust' but don't take the losses implicit in such adjustments. Hence indexes can only go up until the whole market goes down. THEN you are stuffed...
basic portfolio management, things like take 20% off the top and wait for the drop and then buy again.
Buy and hold, buy and hold. Buy up, buy down. In the end you make a tidy sum.
@@OroborusFMA lol, nice, DCA works too.
@@OroborusFMA you sound like a bitcoiner :))
How long did it take to come back after 2001 market drop to break even? 13 years. Sure, it always comes back just need to wait long enough.
Assuming you miss out on the best 5 days, what would the result be if you missed the 5 best AND 5 worst, which is what would be more likely.
Lower left to upper right
Thank you for your videos mate.... With Trump's presidency, economic shifts are expected to be significant, especially given the current recession and the potential impact of future rate cuts. Although rate cuts might not boost inflation as hoped, they may lead banks to further restrict consumer and corporate lending, contributing to a deflationary period for various assets. This environment could result in declining stock values, retail and housing sales, and rising unemployment due to layoffs. For investors, a diversified portfolio especially with stocks and cryptocurrencies offers some protection, serving as a hedge amid volatility. Both long- and short-term trading strategies can help manage risks, providing stability as markets adjust. I have managed to grow a nest egg of around 130k to a decent 732k in the space of a few months... I'm especially grateful to Seren Wintersun, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape..
@Serenwintersun
The best time to invest in any crypto was the first time you heard of it. The second best time is now that you are realising you didn't invest earlier before. The most important thing is that investors are making money on a daily basis…
Traders are often driven by emotion rather than logic or serious calculations. There are also special terms to describe this phenomenon This is called FOMO or the fear of missing out as a beginner, I was very scared and emotional until I came into contact with Seren Wintersun..
This is exactly what Big time investors are talking about, not just you. key thing here is to always trades with a good strategy even if the price goes up or down.
The pump and dump has been a perfect eyeopener for us all to really see how unpredictable the market can be and the need for us to be trading not just seat and hodl.
This is great advice - you know what’s up for investing! Index funds long term is a great what to go.
I do not do individual buying and selling with my 401k and Roth.
I have them set on “age based investments”
But I set 10% in the semi risky at 5yrs under my current age.
The next lower risky I have 30% at 10yrs under my current age.
Then in the safer setting I have 60% at 5yrs under my current age.
What are your thoughts?
The recession is here, where do investors look at for wealth gains now? mortgage rates still on the rise with higher imports and lower exports, yet the Fed is to lessen cost. Something will eventually break if they keep raising interests and quantitative tightening.
if you want to hold on to cash, put it in a safe deposit box, if you want assets, buy things people need in a shtf society, food, ammo, wood, water filters, tools, have a skill at building and fixing
when we go into recession, tech will do poorly as a sector considering what's going on in the world, while defense stocks should be doing good, but always do your own research, or speak to a valid advisor before investing your money
Agreed, I've always delegated my excesses to a pro, ever since suffering portfolio steep-down amid covid-19 outbreak. As of today, I'm semi-retired with barely 25% short of my $1m retirement goal after subsequent investments, and only work 7.5 hours a week.
truly appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Lisa Grace Myer who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Actually private sector was in a slight recession last year all growth was government deficit spending based
Overall, 51% of traders think this year would favor stocks, mutual funds, and other equity-based investments, despite Treasury yields and other safer cash-like investments I big. I’m looking for opportunities in the market that could fetch me $1m ahead of retirement by Q4 2025
Look for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire
True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q3 2025.
I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you
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.
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.
What if you miss the ten worst days as well as the ten best days?
That'd help, of course, but how do you time that correctly? How do you pull out all of the right things the day before? How long do you wait after that dip to buy back in? That's the issue with both concepts. 1. You don't really know when it's going to happen. 2. You don't really know what will dip and for how long. I know two former day traders that lost their shirts getting cute, thinking they had a crystal ball. If you are younger and have time on your side before you need to pull from your portfolio, it's simply better to leave it alone and let it do it's thing.
Im a CPA candidate waiting to get my experience to get the license, how can i best protect myself and benefit from this impending doom
Are you sure those are the best 5days over the entire period or the best 5 days of each year over that entire period?
It certainly looks like Azul is working for Fischer now.
Retire with 50% more $ than you think you need. Of that, keep 24 months worth of total expenses outside of the market in a high yield savings account. That way, you're never forced to sell on a "low". The rest, stay aggressive and don't worry about the Lows as they won't impact you as you have $ saved for those days. When it is up, replenish the 24-month account. Do this and you won't worry about your investments and you'll get stupid rich in the process.
I would point out the $INDU chart from 1929 to 1956. It took 27 years to get back to breakeven. That's not great if you're retired as you might not live another 27 years.
Capitalism won't survive another crash like that. In 1929 almost half the country still lived on a farm and could grow their own food, pumped their own water, probably didn't even have electricity, etc. The US is going to have to introduce Universal Basic Income at some point, just to keep consumer demand functioning when the androids and AI take over all the service sector jobs.
Not true it was more like 7 or 8 years once deflation and dividends are factored in.
I hear the same thing over and over it's how long you keep your invests to catch the good days. Well my wife and I have worked at the same company for 40yrs now and we have taken part of the 401k since inception. Three times we would see are 401k at $500k or $800k and then 2008 type crashes happen and the 401k drop to 100K to start all over again. We are currently at 280K each again and I see another crash or recession in are path. This is real life 401K investment experience people, from someone who is living through it.
No, we don't HAVE to have one sometime soon. And define "soon".
There will be one soon, when I am not sure, but when you have the insiders selling stocks and Warren Buffett sitting on a cash pile I am going to make a bet that it’s within a year.
no one can predict the ebb and flow of a chaotic system combined with the laws of large numbers- but I guarantee it will pull back
@@toddburks9182 If we can pick the top and the bottom, then we'll do great. I emphasise IF. I watch a LOT of TH-cam videos on investing and try to listen to both sides of the argument. It's as easy to find bulls as bears right now. To each their own and may we all achieve our investment goals!
Too much fear mongering. People were saying recession 2 years ago
@@toddburks9182 when ai takes over jobs and people cant buy stuff that when recession will happen
I've always stayed fully invested during all of the down turns in the markets and because of that I have turned a modest investment into a 7 figure retirement fund. But I have known several people I worked with who did get out at the lows and stopped investing in stocks.
Great advice. Invest in companies that your decades of work experience convince you are well run and leaders, regardless of what the financial news channels say or of market downturns.
I would add, having a conservatively invested foundation allowed me to invest a small fraction aggressively, and sleep at night during downturns. In the last 15 years that small aggressive fraction has grown to 10X the conservative base, to the point where not only am I retired, but even if the market and my portfolio dropped severely, it will have no impact on how I live.
What soooo many people fail to understand, and this has A LOT to do with financial advisor’s advice to clients, is that if your retirement success is based on any returns from the stock market, you are not in a very good place. The US economy has lulled people into complacency and bizarre expectations. That model has come to an end..just like everything in life. Warren Buffett sitting on the largest cash holding in the history of BH should tell you all that you need to know.
The last five years have brought on unrealistic expectations. There is a whole generation that hasn’t seen a longer-term bear market
@@MJA5 This is absolutely correct. Most of the financial advisors that clients deal with on a day to day basis are under the age of 50. They haven’t interacted with a market that trades sideways for a decade. Passive management have people walking around like zombies. There’s a lot of people coming into the office who are 75 years old with 75% equities exposure. It’s terrifying.
At the moment, it seems the usual guardrails to prevent recession are not going to be put in place. That's what is different.
What would the invest have looked like if you were in a s&p index fund
As determined by the NBER, we will not be in a recession anytime soon as it greatly takes into accoun the unemployment rate, and right now that rate is still very low...BELOW the "full employment" rate of 5%. A greater chance if you take the two consecutive quarters of negative growth, but even that is far fetched in the near term right now.
Probably 3 years to go before the next recession, based on past 7 year expansions. We've been in an inflationary expansion with no real growth. That could make this expansion take more than 7 years before something has to give.
What is High? Low? What is sooner? Later?
He’s just another democrap trying to blame Trump.
Oh My Azul... You have left out the MOST important FACT concerning investing and the USD Value! The USD has depreciated by 90% since 2010. Historical Data means NOTHING today considering the USD is SO devalued. The resulting Inevitable ultra inflation situation will make all Historical S&P 500 data irrelevant. Please do not advise people to watch history ... thinking it will continue and repeat.. or to "stay the historical course". This is different... VERY DIFFERENT.
What would $10K turn into if invested in the S&P 500 when looking at the time period 1965-1982?
Adjusted for inflation.
February market will tell all.
January closed in positive territory. If February (independently) does the same, the market will close up at EOY... and typically in double digits... This is a math and probability statement, not an economic prediction. In that Jan and Feb condition, the market has never NEVER closed down on the year.
Any idea which stocks to put on my watchlist? I am looking at Nvidia, XRP, but i cant wrap my head around choosing one. Roughly $500k in my portfolio are in tech/TSLA stocks, can I get an advice on any other stocks that I can acquire to diversify my reserve across multiple markets while creating a comprehensive portfolio allocation that balances my concerns of risk aversion and returns that meet yearly inflation. I'll be retiring soon.
Don't you think you are taking a very big risk right now with your asset holdings? Over half a million should not be messed with instead pause and seek a professional.
I will advise you engage guidance of a fiduciary to help you make smarter decisions. The market is harsh right now, you need a professional to guide you.
@@JuneHaussmann Elon Musk has been a huge part of the campaign so, energy and cars among others with Trump's winning, but who knows, the market has been a basket of surprises lately.
@@HendrikaWoudman Such uncertainties are the reasons I don’t base my judgement on a hearsay, 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 worked on a 7 figure ballpark goal and we've achieved that already.
@@JuneHaussmann
I find your situation fascinating. Would you be willing to suggest the advisor you've worked with?
Research shows 45% of people run out of funds in retirement. Many people do underestimate the importance of financial advisors, until they experience financial loss.
@@Philduarte I agree, but I’m cautious about giving specific recommendations as everyone's situation varies.
The financial advisor I've work with for years is Katherine Ann McGrath and I'd gladly commend her exemplary service on a public post.
I was skeptical about someone else handling my money, but I'm glad I did. The best decision I ever made. Not to brag, but I don't have to worry about financial issues anymore.
Concerns about a potential recession and the Fed's talk of interest rate hikes have left me uneasy. I'm unsure about my $440K portfolio strategy, considering the uncertainty of a recession and the possibility that interest rates may not rise significantly
I completely understand your concerns. But In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.
I completely understand your concerns. But In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.
How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings?
Melissa Terri Swayne' is the licensed coach I use. Just research the name. 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 ran a Google search on her name and came across her website thank you for sharing..
Só how much of that up escalator reflects inflation? Quite a bit I expect.
It’s OK to look at the past but the past did not have a Government debt of $37,000,000,000,000. It’s perfectly possible to stay invested, yet the market flatlines for 40 years and the alternative is -0.5% cash yields : Japan for example. You just don’t know.
Profiting is possible as every crash or recession offers market opportunities if you're prepared and knowledgeable. I've seen people amass up to 800k during crises and even thrive in a bad economy. I want to learn how to make such profits.
There are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by experts or advisors with experience
Yes, financial advisors can make a significant difference, especially in the current market. Stocks are quite volatile now, but with the right calculations and a good advisor, you can achieve substantial profits. That's the best protection against a recession.
@@PatrickLloyd- Who is this person guiding you and how can i reach him/her?
Sophie Lynn carrabus is the advisr I use and I'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
She looks to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
DOOM!
There’s always a recession ahead of us and behind us.
DOOM!
Sorry but Azul is right on 😅
I like your videos. But, is there any good news? Other than I have 1,000 weeks left if I'm lucky!
Be as conservative as you need. Risk what you can lose. If you take the hit, 50% twice in my retirement plans, wait it out. Now that I’m getting closer to retirement I accept lower returns in order to preserve my capital. Also, prosecute and imprison those on Wall St who mislead investors and destroy economies. Lehman Bros. Cooked the books and did it intentionally. BTW, these same individuals and financial instruments still are in use today.
I sold everything last week. All in cash now.
You can't time the market but you sure can get wealthy by being in the market a long time.
How long are you going to wait for a recession?
Tired of the "recession is coming!" threat. Recessive periods come along with equivalent market opportunities if you are well informed and equipped, I've seen folks amass wealth in the midst of economic turmoil and even pull it off easily in favorable conditions. Invariably, the collapse is getting somebody somewhere rich
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.
Risk mitigation is indeed something to consider well before setting out on inveestments. Most often than not, CFAs take care of this perfectly. People downplay the role of CFAs until being burnt by their own instincts. I was in a similar situation a few years ago; Took my chances but stocks went crashing. Realizing I wasn't good at timing the market, I started working with an Adviser, which helped me build a $1.6m portfolio.
Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
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.
Just ran an online search on her name and came across her website; pretty well educated. thank you for sharing.
I'm very skeptical that someone that is down 60-70% can get any sleep but are more likely to get extremely depressed, become ill or even suffer a heart attack. I have heard stories that people committed suicide during the great depression by jumping out of high rise buildings. Ive been out of the market since I lost half of my savings in the 2008 drop. But I was fortunate to have built 12 apartments starting 1992 . And all by buildings are paid off and when real estate drops, it doesnt faze me because the rents continue to roll in . So if the market tanks tomorrow, I may not care but I will buy a 75% drop. I have figure out in my old age that making millions does not make me happy. But don't sell during a drop , if anything sell now that the market is at an all time high if you are in your later stages of life. And dont forget that financial advisers want you to die with $10 million invested in their plans because they dont make money if you sell out. You may not be able to enjoy what's left of your life. You wont be able to take it with you and time is not for sale, you can't buy another minute of life with a million dollars on your death bed. Bottom line is, sell if you are older , stay put if you are young. Stay safe folks.
Happy to have moved everything to high yield savings with advertised atrocious fiscal and international policies
So much fir the Trump economy.😅
save your money by limiting unnecessary spending
I don’t think a recession but a market correction for sure
No one can time the market! No one
Not true. Maybe the average investor can’t. Some can and that’s how they make a killing. Rn Warren buffet has sold is now 50% in cash. He is probably expecting a market correction. I am 100% out of the market and will reinvest after a market correction.
True but at this point I stopped investing the market is way too high.
@@dantheman6607 I made 15x return after the 2008 market crash. Actually planned for that as well. Got out of the market about 1 year before it crashed and invested all my cash (which wasn’t a lot) after the correction. But with the return I can retire well off rn and am actually in retirement (maybe temporary one) as I may be going back to work if the right opportunity comes along. For most people,it’s better to stay in the market long term.
Republicans =Recessions😂
I think you mean “lower left to upper right”.
I’m in the camp of Charlie Munger. If you’re not prepared to see your portfolio drop by 50% then you have no place investing in the market. BKH has dropped 50% three times. I view it as shares on discount and hold cash for such opportunities.
If a recession is coming, to protect yourself you could possibly either become a politician, as Donald Trump has done, or even better become a government employee.
Berkshire bought $10 billion in U.S. Treasuries this month and has been buying them all last year....something is going on. $234 Billion total.
Berkshire believes stocks are overvalued, so there's little of interest there. However, Treasuries are offering a good yield, and if the Fed lowers interest rates, their value would increase.
@@caparn100 I'm thinking he is just idling his money in a safe place. Not looking for a big win nor a big loss.
And China sold 600 Billion in January.
'long term investor'
There are ways to make money as the market crashes.
The worst thing you can do financially is react to a recession, they are temporary and the market has always bounced back. Some of the doomsayers may say "one of these days it's not going to bounce back", but then we're talking about economic collapse and then our problems go beyond market performance.
Get a job in a company that's got a contract in a government project .
Lost 70% of my retirement in Trumps last term……
We've been in one for 3 years and 11 months.
Anything in aggregate that goes up by 60% is a bubble.
Americans need a more stable investment option for retirement so we don’t have to gamble in this casino crazy stock market which involves a lot of stress most people don’t need
Why not keep social security but rather than pooling into one pot; allow us to keep it in separate accounts which are guaranteed a consistent rate of return say 6% ? It would provide security in the fact that we could look at our balance and never have to worry if Congress is going to steal/reduce our “entitlement”
amazing how this guy goes from beaches view to basement views, does he have a space shuttle ???
Anybody can make $$$ in an up economy! It's also about protecting and continuing to make money in a down economy.
If your portfolio drops 50% you need a 100% return to be @ the same place you were before the crash. The inmates are controlling the asylum right now...good luck!
Who wouldn't miss 90 of those big trading days in your example?😊
I'm sorry, what was your message? Market can go up market can go down? Your better than this, please educate us. Hang in there
Typical lethal mainstream ametican advice for dumbed - keep holding and take in all losses.
Better advice - sell if daily candle closes below moving average two days. Buy back when daily candle closes two days above moving average.
We have been in a recession!! So what are you talking about!!!!!!
But what about when you missed the 10 worst days? In some ways, this kind of commentary about how you have to be in the market all the time feels forced.
My 401k has just been on autopilot and been doing great since 2000. But I got into brokerage investing in 2020 and have done quite well with the market recovery. I’ve now cashed out of the brokerage (not 401k) and waiting till the recession signals a reverse. With tariffs and such, it could be a rough couple of years for portfolios.
Recession will be in 2032. Keep waiting…
Quit being a Debbie Downer already. More and more your videos are leaning this way.
Azul is warning us the market is way over valued right now check your asset allocation before the dump comes.
nothing new.
I'm new to trading, How can I make more profitable investments in crypto without incurring much losses?
You actually need an expert trader assigned by a registered brokerage company to help you out. you need someone with the right strategies and expertise to do the work for you, I always recommend Melanie Ann Karnavas expertise.
Actually thought I was the only one trading with Ms Melanie Ann. She currently manages all my funds too and She also provides webinars on how to trade perfectly without loss, but I haven't started trading on my own yet, still building up my portfolio with her help for now.
Melanie Ann been really helpful for real, trading with her has been going smoothly for me as I've been able to raise over almost 4 btc when I started at 10k in usd about 3months ago. I would advise y'all to trade your asset now rather than hodl for a future you aren't sure about.
Her platform is wonderful, and her services are exceptional
Please educate me. I've come across this name before. Now I am interested. How can I reach her?
That was typical financial planner. Common Sense commentary. And to be paying for that sort of advice? Really?
😀
Buy counter-cyclical stocks. If the recession doesn't happen, you are at least receiving dividends.
I cancelled my subscription from this channel because of these videos. I like your videos where you talk about retirement, but i can´t stand this crap
Too bad because Azul is dead on. Check your portfolios now before the next dump
Seriously?
Sure but your not taking into account America's true GDP which is 50% of that stated by your government. The complete debt of America is close to 170 trillion dollars. The commercial loans will fall due in the next few years can't be refinanced as the assets are at best 30% of debt.
When the stock market falls by 17 trillion it will cause a cascading effect that has no perceivable bottom(:-)
Oh to live in interesting times
Polymarket puts 3% chance of recession by May 2025.
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..
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!
It's already begun.