Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.
Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Amber Dawn Brummit turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.
Becoming a good investor takes time and patience. When i first got into investments i was liquidated twice, and lost my entire mortgage deposit. I could have given up, but decided to learn how to trade and put it into practice. 4 years later and i am glad i made that decision.
I agree, that's the more reason I prefer my day to day invt decisions being guided by a invt-coach, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a invt-coach for over 2years+ and I've netted over 1.5million
I've been thinking of going that route, been holding on to a bunch of stocks that keeps tanking and I don't know if to keep holding or just dump them, think you inv-coach could guide me with portfolio-restructuring
This is financial advice and I never give financial advice: DONT LEAVE DURING THE BEAR. If you don’t want to invest…learn. If you don’t want to learn…build. If you don’t want to build observe. DO SOMETHING…other than leave. There is so much opportunity here. Take advantage!
I think people need to learn edging, if you are scared of downturm book profits and left lets say 50% in the market, and now we have a place to park it in T billls so i say edge the market with cash and the usd with commodities. ... but people like to have fun and Fomo so, people have what they deserve
Investing in the stock market has HISTORICALLY provided higher returns than other forms of investment. According to Morningstar, the average annual return for the S&P 500 index, which measures the performance of 500 large-cap stocks, was approximately 10% from 1926 to 2020.
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over $610k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
The adviser I'm in touch with is "Camille Alicia Garcia" she works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me her strategy works hence my result. she provides entry and exit point for the securities I focus on.
I just looked up Camille online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals and scheduled a call.
Knowledge changes belief. Not everyone shares knowledge free. Hope we learn from these legendary people. Thank you Dalio I am learning invaluable lessons. We need more people like you. Wish you all the best.
I admire the financial independence of people, But you can live better if you work a little more. After watching this I think there are people out there, on the extreme, who plan to die early just to be able to retire early. To each their own but to me, retirement isn't just about not having to work, it's about having the freedom to do whatever you might reasonably want, such as travel, buying things, enjoying life, etc. I don't think I could retire with less than $3m in income-generating investments, maybe $2m at the very minimum. I plan to work until I'm at least 45
Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving
@@ThomasWilliam-sw8ms Having an investment adviser is the best way to go about the market right now, especially for near-retirees, I've been in touch with a coach for a while now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I netted over $220K during this dip, that made it clear there's more to the market that we avg joes don't know
Purchasing stocks may appear simple, but selecting the proper stock without a tried-and-true strategy may be challenging. I have been trying to increase my $310,000 portfolio for a long time, but the biggest barrier is that I don't have a clear entrance and exit plan. Any advice on this matter would be greatly valued.
The methods are challenging for the average person. They are typically carried out successfully by experts with a high level of ability and expertise in such trades.
Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
'Laurelyn Gross Pohlmeier' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
Biggest lesson i learnt in 2024 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’*Julianne Iwersen-Niemann*” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Love Ray. Love his book 'Principals'. Loved this talk ....but ....note to the video editor: When he refers to the chart ....show the chart. When he points to something....show it. (rant over)
Mr. Dalio was amazing in explaining the relationships between credit, debt service, and economic cycles: simple, clear, and to-the-point. Learned a lot from this video. Thank you so much for sharing this.
Thanks to Mr Ray for teaching, it is really a course that I enjoys. This is course on "investment thinking" and giving investment principles learning couse. Through this class, I learned about some principles and methods of how investing. Regarding the " quantitative easing ", and "a tight monetary policy" mentioned in this class, I would like to ask a question about it: you mentioned in the course that a tight monetary policy can only be used in two circumstances: 1, a relatively high operating costs. 2, a lower level of unemployment. I don not understand why monetary tightening policy is still used in "a lower level of unemployment situation. Vivian Zhang
My strategy has always been to invest 25% of my income in the stock market at the beginning of each month. The second part of my strategy is not to sell for at least 5 years, but recently my portfolio has suffered major decline about $150k in losses. What can I do please?
There are strategies that could be put in place for solid gains regardless but such executions are usually carried out by investment experts or advisors with experience
This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
I am 22 years old, lost my dad about half a year ago and I am going to receive some money soon. Would it be smart to grow my money in stocks for a few years while I am in college and then invest in rental properties afterwards, or should I go for real estate investing first?
I agree! My dear husband passed away in 2011, and I had around half of million dollars from his life insurance just sitting in a bank account, earning nothing. I was advised to invest it through an advisor, and in just 6 years of investting in dividend Stock and REITs, I achieved over 80% capital growth, not including dividends.
Very sorry for your loss. As others have said, consult a financial expert (and in the case of rentals would be worth contacting some landlords to get an idea what's involved in running rentals. Many people think of rentals as "passive I come" and underestimate the work involved (even with a management agency), not to mention if a tenant stops paying or major repairs occur. A lot to think about!)
I've worked in real estate for over 11 years and have neglected a major stock portfolio i inheritted. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
This is truly helping keen individuals by teaching us how to fish. Could we please get access to the powerpoint in the video? The camera angle obstructs a lot of it.
I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green.
As with an my big financial decision, it’s important to keep your guard’s up for economic risks. However, smart planning, time management and seeking advise from a financial adviser can help keep you and your money safe
@@valeriepierre9778 Yes i agree and right now the markets are going berserk right now. This is the best time to watch them, get to know them better, and strike when the opportunity presents itself. I learned that from my mentor, “JULIA ANN FINNICUM” she's seen dozens of market cycles over the past few decades, and she has a feel for how they move, why they move, and what comes next.
In this class, Mr Ray talked a lot of investment principles in this course. In these contents, you have also mentioned fiscal policy however, the information provided for this piece of content is limited. I am wondering now: whether there would opportunities in the future to expand on this topic? Thank you Vivian Zhang
I've been following Ray before pandemic, he always happy to share his deep. knowledge & experience to everyone. He is not keeping it to himself & his team. A great man 👍👍
@@lol-rw7yd He never gave a date after he spoke about that book upon the release of Principles part 1 and then his Son passed away and I believe it derailed him a bit but then he launched this new one about Nations and Changing World Order… the part 2 will be released when he retires from his company for good and then goes on a tour to speak about the book then disappears from media and enjoys his last days…
Mr Ray also mentiones in this class " diversified investment strategy can increase the return on investment and reduce the risk of investment. For diversified investment strategies, you have mentioned two main methods in this class, One is the Beta return stream and the other one is the Alpha return stream. I understand Beta's strategy, but you mentioned very little about Alpha's strategy plan in this class. I want to know why you call Alpha's diversified strategy as a kind of gambling plan? Thank you. Vivian Zhang
Hi Ray, the content of your class is wonderful, however, the writings on the blackboard and the lecture content written on the blackboard can not be seen in this video. I wish I am able to see the lecture content on the blackboard. 😔 Vivia Zhang
The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stoc,ks, Gold, silver and digital currencies.
The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.
Great story teller and providing a clear red threat - i like his views but also like to compare with other economists and see the world a bit more positiv as him. A bit to risk adverse for my style and this also reflects his returns compared to other investors 👌🤞
Thank you; Ray Dalio on this Historic lecture on short term and long term investment, economy and markets, 1900 to Present, the Cycle of Data from Education.
Great teacher. I learned a lot from this man. He liberally shared his wisdom in so many talks and books. I would say, in ancient times in india, he would have been called a " Rushi", a " sage", a " Buddha ". I learned a lot from this " rushi". Thank you Ray
Are you serious??? Someone filming golden information from one of the most brilliant people in finance ever, and can't even frame the camera right to show what he created for us? I just wanna slap that camera man.
That is not the topic of the conversation. Also, if you have been keeping, you might recall the ghost writers of his book said The Orange One was all bullshit. There was no credibility or authenticity to the authorship. And besides, if you think that a top money idea is to screw contractors out of their money, then no.
great stuff, just seeing if I am tracking... when he gave the example of monetary policy and how it effects the 2 equilibriums. He didn't mention fiscal policy lever at that point (alluded earlier) for the equilibrium effects, since the Fed has already lowered rates, print money, and is unable to QE.
Yes rigth, but people dont understand, they just buy every sector and call it done. They dont understand rates, devaluations of the USD for example nothing. They dont edge thats the problem and what you arr saying
⛔ Could not find **Add a comment** button. Here is the entire summary: ```markdown 🎯 Key Takeaways for quick navigation: 00:00 📜 *Economic and Investment Principles Overview* - Ray Dalio shares his systematic approach to decision-making and the importance of documenting principles. 01:51 🔄 *Economic Overview: Perpetual Motion Machine* - Describes the economy as a perpetual motion machine with four big forces, three equilibriums, and two levers. - Discusses productivity as the key force, short-term and long-term debt cycles, and the impact of central bank actions. - Highlights the role of politics, both internal and external, in influencing economic cycles. 05:22 🔄 *Short-term Debt Cycle* - Explains the short-term debt cycle involving recession, central bank intervention, credit creation, and subsequent debt. - Discusses market cycles linked to short-term debt cycles. 06:31 🔄 *Long-term Debt Cycle* - Explores the long-term debt cycle, accumulation of short-term cycles, and the need for central banks to stimulate. - Describes the end of the long-term debt cycle, leading to quantitative easing and potential limitations. 07:56 🌐 *Geopolitical Cycle and Wealth Gap* - Discusses the wealth gap caused by economic cycles, technology, and globalization. - Highlights the impact of wealth gap on politics, leading to populism. - Examines the rising power of China challenging the existing power (U.S.) in a geopolitical cycle. 09:02 ⚖ *Three Equilibriums* - Emphasizes the importance of balancing debt growth with income growth, maintaining optimal economic capacity utilization, and the relationship between equity, bond, and cash returns. - Stresses the role of these equilibriums in shaping economic conditions and influencing central bank policies. 12:32 🎚 *Monetary and Fiscal Policy Levers* - Describes monetary and fiscal policy as levers to control economic cycles. - Explains how adjustments in monetary policy influence debt growth, capacity utilization, and returns on financial assets. - Illustrates the perpetual motion of the economy through these levers. 13:00 📊 *Charts: Productivity and Short-term Debt Cycle* - Presents charts depicting the historical trend of productivity and the current phase of the short-term debt cycle. - Discusses the implications of productivity decline in the later stages of the long-term debt cycle. 16:40 💰 *Debt Crisis Comparison (1900 to Present)* - Compares the current economic situation to historical debt crises, emphasizing similarities in central bank responses and market reactions. - Examines the impact of debt crises on central bank balance sheets and monetary policy. 18:05 📉 *Unfunded Liabilities and Golden Age of Capitalism* - Discusses unfunded liabilities, including pension and healthcare, and their potential impact on economic conditions. - Explores the golden age of capitalism, marked by increased profit margins, technological efficiency, and globalization. 20:02 🌐 *Wealth Gap and Populism* - Examines the widening wealth gap and its connection to profit margins, taxation, and political polarization. - Highlights the emergence of populism and its implications for economic and market dynamics. 21:40 🔀 *Political Landscape and Entrenched Conflict* - Analyzes the current political landscape, showcasing the increasing conservatism of Republicans and liberalism of Democrats. - Illustrates the entrenched conflict in voting patterns along party lines, indicating heightened political polarization. 23:44 🌍 *Market Analysis: Late Business Cycle and Political Impact* - Late business cycle and political impact on markets, - Europe entering elections, potential movement to political extremes, impact on capital flows. 26:02 🌐 *China's Increasing Global Influence* - China's rising influence in the global environment, - Comparison of United States and China in terms of output, equity market cap, and debt securities outstanding. 27:09 📊 *Factors Influencing World Reserve Currencies* - Factors influencing the rise and decline of world reserve currencies, - Research on the cycles of reserve currencies and the six main factors determining a country's power. 30:10 💹 *Investment Principles and Economic Overview* - Investment principles and economic overview, - Theoretical value of investments, asset classes outperforming cash, and principles related to return streams. 32:41 📉 *Risk Reduction through Diversification* - Importance of diversification in risk reduction, - Two types of return streams: beta and alpha, and the significance of having uncorrelated return streams. 38:29 🔄 *The Holy Grail of Investing: Diversification* - The Holy Grail of investing: achieving diversification, - Significance of having 10, 15, or more good uncorrelated investments for improving return to risk ratio. Made with HARPA AI ```
20:00 Wow The bottom 40 percent of the population of the United States can't raise even 400 dollars in the event of an emergency. We in India are poor, but anyone can raise double that amount in an hour or less. We are not wealthy, but we have savings. Even the poorest of us have at least 20 to 50 grams of gold. Even the poorest. 10 grams of gold is 500 dollars. The institution called family has long been dismantled in the United States, in the name of individuality and freedom, so, pretty much each person is on his own. We have family. The rate of divorces in India is 1 to 2 percent. We have no single parent families. We have gold, and we have family.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family...
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks.
@@ЕленаФирсова-ц6м Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* , a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.
"The biggest mistakes of most investors is that they think the investment that did well is a good investment, rather than its a more expensive investment". 36:07
@@hoangvietlee The mistake that many investors make is that they assume that an investment that has performed well in the past must be a good investment. However, this is not always the case. Sometimes, a stock's price may increase not because the company is performing well, but simply because it has become more expensive. For example, let's say that you bought stock in a company for $10 per share, and over the next year, the stock price increased to $20 per share. At first glance, it may seem like this was a good investment because you made a 100% return. However, if you dig deeper and look at the company's financials, you may find that the stock price increase was not justified by the company's performance.
Ray does and lives everything he talks about. His 21 billion dollar net worth speaks for itself. This is the only man creditable enough to be talking about this stuff on the internet. Every damn tik tok and Instagram guru should not be taking about finance and economic as well as investing. Clues less fools stealing from hard working people.
Bitcoin should be transparent and it isn’t as easy as people thinks it is, there are so many strategies to be learnt and unfolded about Bitcoin trading
Ray Dallo you are a good 👍 teacher 👨🏫 about financial matters. You have a good 😊 pedagogy makes financial matters understandable 🙏🏽 You should have taken Education course in college 🙏🏽 Thank you 🙏🏽 for your service from the Philippines 🇵🇭 🙏🏽💙💕
WOW, simply amazing! What Ray said with conflicts (military and economic) rising interest rates and inflation have all come true. Ray is truly a GOAT for sharing his wisdom with everyone so selflessly
Never invest in the 1st week of the month.. All big fund houses know this behaviour of salaried employees. They sell their shares to you on the first week at higher price and then buy at lower rates later in the month. Please Note, if you are an investor then NEVER EVER buy at higher valuation.. there will be a correction during your holding period- PRICEWISE or TIMEWISE 😊
I regret not having the mental capacity to research each company's performance and determine whether now is a good time to buy stocks or not. My $450,000 reserve is being wiped out by inflation, and I'm not sure what to do at this point, to be honest. You should find a mentor or an experienced advisor to help you, particularly during this recession.
I agree, which is why I prefer having an investment coach handle my day-to-day decisions. Given that their entire skill set revolves around using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, coupled with the unique information and analysis they have, it is virtually impossible for them to underperform. I've been using an investment coach for more than two years and have made over $1.5 million.
@@stevensmiddlemass2072 I've been considering it; I've been holding onto a number of stocks that are falling in value and am unsure whether to maintain them or sell them. I believe your expertise as an investment coach could help me with portfolio restructuring.
@@ConradGosling Sure, the inv-coach that guides me is STACIE KRISTAL WEBER, she popular and has quite a following, so it shouldn't be a hassle to find her, just search her.
@@stevensmiddlemass2072 Stacie really seem to know her stuff. I found her website, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her.
Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.
Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Amber Dawn Brummit turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.
Becoming a good investor takes time and patience. When i first got into investments i was liquidated twice, and lost my entire mortgage deposit. I could have given up, but decided to learn how to trade and put it into practice. 4 years later and i am glad i made that decision.
My portfolio has good companies, however it has been stalling since last year. I have approximately $200k stagnant in my reserve that needs growth.
I agree, that's the more reason I prefer my day to day invt decisions being guided by a invt-coach, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a invt-coach for over 2years+ and I've netted over 1.5million
I've been thinking of going that route, been holding on to a bunch of stocks that keeps tanking and I don't know if to keep holding or just dump them, think you inv-coach could guide me with portfolio-restructuring
Her name is “Rebecca Noblett Roberts” can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thank you for this amazing tip. I verified her and booked a call session with her. She seems Proficient.
This is financial advice and I never give financial advice: DONT LEAVE DURING THE BEAR. If you don’t want to invest…learn. If you don’t want to learn…build. If you don’t want to build observe. DO SOMETHING…other than leave. There is so much opportunity here. Take advantage!
I think people need to learn edging, if you are scared of downturm book profits and left lets say 50% in the market, and now we have a place to park it in T billls so i say edge the market with cash and the usd with commodities.
... but people like to have fun and Fomo so, people have what they deserve
@@pedroabreu1754someone’s been paying attention!!
Investing in the stock market has HISTORICALLY provided higher returns than other forms of investment. According to Morningstar, the average annual return for the S&P 500 index, which measures the performance of 500 large-cap stocks, was approximately 10% from 1926 to 2020.
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over $610k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
@@Kim.beneteau please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
The adviser I'm in touch with is "Camille Alicia Garcia" she works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me her strategy works hence my result. she provides entry and exit point for the securities I focus on.
I just looked up Camille online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals and scheduled a call.
Knowledge changes belief. Not everyone shares knowledge free. Hope we learn from these legendary people. Thank you Dalio I am learning invaluable lessons. We need more people like you. Wish you all the best.
I admire the financial independence of people, But you can live better if you work a little more. After watching this I think there are people out there, on the extreme, who plan to die early just to be able to retire early. To each their own but to me, retirement isn't just about not having to work, it's about having the freedom to do whatever you might reasonably want, such as travel, buying things, enjoying life, etc. I don't think I could retire with less than $3m in income-generating investments, maybe $2m at the very minimum. I plan to work until I'm at least 45
Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving
@@ThomasWilliam-sw8ms Having an investment adviser is the best way to go about the market right now, especially for near-retirees, I've been in touch with a coach for a while now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I netted over $220K during this dip, that made it clear there's more to the market that we avg joes don't know
@@ScottBrown-c3p Who’s the person guiding you
@@ThomasWilliam-sw8ms credits to *MARTHA ALONSO HARA*, one of the best portfolio managers out there. she's well known, you should look her up
@@ScottBrown-c3p Thank you, I just checked her out and I have sent her an email. I hope she gets back to me soon.
Internet is unlimited supply of Gems like this video 💎 , you just needa find the right gems and you'll be way ahead in life. God bless you all ❤️
Jordan Peterson, Steven Mark Ryan, Sam Ovens, Elon, etc, etc. there’s a gold mine of wisdom on the internet
:
@Dah Pluggg V
@Dah Pluggg V
:
Purchasing stocks may appear simple, but selecting the proper stock without a tried-and-true strategy may be challenging. I have been trying to increase my $310,000 portfolio for a long time, but the biggest barrier is that I don't have a clear entrance and exit plan. Any advice on this matter would be greatly valued.
The methods are challenging for the average person. They are typically carried out successfully by experts with a high level of ability and expertise in such trades.
Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
That makes perfect sense because you seem to know the market better than we do. Who is the mentor?
'Laurelyn Gross Pohlmeier' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I appreciate the lead. I did some research on her and emailed her. I'm hoping she responds to me quickly.
Biggest lesson i learnt in 2024 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’*Julianne Iwersen-Niemann*” 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.
Love Ray. Love his book 'Principals'. Loved this talk ....but ....note to the video editor: When he refers to the chart ....show the chart. When he points to something....show it. (rant over)
Mr. Dalio was amazing in explaining the relationships between credit, debt service, and economic cycles: simple, clear, and to-the-point. Learned a lot from this video. Thank you so much for sharing this.
Thanks to Mr Ray for teaching, it is really a course that I enjoys. This is course on "investment thinking" and giving investment principles learning couse. Through this class, I learned about some principles and methods of how investing.
Regarding the " quantitative easing ", and "a tight monetary policy" mentioned in this class, I would like to ask a question about it: you mentioned in the course that a tight monetary policy can only be used in two circumstances: 1, a relatively high operating costs. 2, a lower level of unemployment. I don not understand why monetary tightening policy is still used in "a lower level of unemployment situation.
Vivian Zhang
My strategy has always been to invest 25% of my income in the stock market at the beginning of each month. The second part of my strategy is not to sell for at least 5 years, but recently my portfolio has suffered major decline about $150k in losses. What can I do please?
There are strategies that could be put in place for solid gains regardless but such executions are usually carried out by investment experts or advisors with experience
This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
I could really use the expertise of this advsors
Her name is ‘Marissa Lynn Babula’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon.
I am 22 years old, lost my dad about half a year ago and I am going to receive some money soon. Would it be smart to grow my money in stocks for a few years while I am in college and then invest in rental properties afterwards, or should I go for real estate investing first?
Buy bitcoin never sell❤
i would advise the counsel of a seasoned financial pro. It may seem expensive, but as the old saying goes - "you get what you pay for"
I agree! My dear husband passed away in 2011, and I had around half of million dollars from his life insurance just sitting in a bank account, earning nothing. I was advised to invest it through an advisor, and in just 6 years of investting in dividend Stock and REITs, I achieved over 80% capital growth, not including dividends.
Very sorry for your loss. As others have said, consult a financial expert (and in the case of rentals would be worth contacting some landlords to get an idea what's involved in running rentals. Many people think of rentals as "passive I come" and underestimate the work involved (even with a management agency), not to mention if a tenant stops paying or major repairs occur. A lot to think about!)
I've worked in real estate for over 11 years and have neglected a major stock portfolio i inheritted. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
This is truly helping keen individuals by teaching us how to fish. Could we please get access to the powerpoint in the video? The camera angle obstructs a lot of it.
Warmest greeting from Bali island
Much more apppreciate that i love this a tutorial
Thank you so much
I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green.
As with an my big financial decision, it’s important to keep your guard’s up for economic risks. However, smart planning, time management and seeking advise from a financial adviser can help keep you and your money safe
@@valeriepierre9778 Yes i agree and right now the markets are going berserk right now. This is the best time to watch them, get to know them better, and strike when the opportunity presents itself. I learned that from my mentor, “JULIA ANN FINNICUM” she's seen dozens of market cycles over the past few decades, and she has a feel for how they move, why they move, and what comes next.
@davedelva The advisor I use is JULIA ANN FINNICUM she's verifiable , so you could just search her.
Researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals and scheduled a call.
30:42 is the thing you all are looking for.
1. The theoretical value equals the present value of future cash flow.
2. The Actual Value is the total amount of spending divided by the quantity of goods sold.
3. Assets classes will outperform cash over the long term.
4. The outperformance of Asset classes over Cash (Beta) cannot be very positive for too long.
5. Assets are priced to discount future expectations, so when inflation, growth, risk premia, and discount rates change, asset prices change.
great job keeping the slides in view
In this class, Mr Ray talked a lot of investment principles in this course. In these contents, you have also mentioned fiscal policy however, the information provided for this piece of content is limited. I am wondering now: whether there would opportunities in the future to expand on this topic?
Thank you
Vivian Zhang
Amazing video and no ads.
Is there any place where we can download or see this slides?
Investment Principles from 30:40
Thankful to the person who shot and uploaded the video 👍
Thank you so much for making it public!
I've been following Ray before pandemic, he always happy to share his deep. knowledge & experience to everyone.
He is not keeping it to himself & his team. A great man 👍👍
good video. Camera man does a horrible job capturing the slides. Anyone have the slide deck?
thank you for sharing
Thanks Ray for sharing with us this info
In what book do we find this because i cant find a book calles the economic and investment principles by ray dalio
I haven't seen this book being released: Economic and investing principles.
I think it’s in the first part of its principle book
@@MrAaronBlues no, it’s the second part of Principles. Meanwhile Ray Dalio released another book about world economy.
@@KidLondon exactly when he'll release the second book on economic and investment principles??
@@lol-rw7yd He never gave a date after he spoke about that book upon the release of Principles part 1 and then his Son passed away and I believe it derailed him a bit but then he launched this new one about Nations and Changing World Order… the part 2 will be released when he retires from his company for good and then goes on a tour to speak about the book then disappears from media and enjoys his last days…
@@KidLondon thanks for the clarification
Economic and military are together brought to the other worlds
Mr Ray also mentiones in this class " diversified investment strategy can increase the return on investment and reduce the risk of investment. For diversified investment strategies, you have mentioned two main methods in this class, One is the Beta return stream and the other one is the Alpha return stream. I understand Beta's strategy, but you mentioned very little about Alpha's strategy plan in this class.
I want to know why you call Alpha's diversified strategy as a kind of gambling plan?
Thank you.
Vivian Zhang
Best explanation of economy ever! Unfortunatelly very brief the last part on investments :-(
Hi Ray, the content of your class is wonderful, however, the writings on the blackboard and the lecture content written on the blackboard can not be seen in this video. I wish I am able to see the lecture content on the blackboard. 😔
Vivia Zhang
Great lessons
Thanks to the internet again and the one behind posting this amazing video and oooof courseeee to Ray! 💪
The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stoc,ks, Gold, silver and digital currencies.
The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.
Great story teller and providing a clear red threat - i like his views but also like to compare with other economists and see the world a bit more positiv as him. A bit to risk adverse for my style and this also reflects his returns compared to other investors 👌🤞
Thank you; Ray Dalio on this Historic lecture on short term and long term investment, economy and markets, 1900 to Present, the Cycle of Data from Education.
Thanks for sharing :) awesome content by ray
what the answer where to invest when the growth and inflation are both high. please do rply
Commodities, but not when both is high but when both is higher than expected (as was the case in 2021/22)
Commodities because that means can only happen with dollar devaluation
Where can we get that script that he's displaying in the presentation
Ray Dalio is the Benjamin Graham of our time.
So much grateful for your great sharing Mr. Ray Dalio.
MasterClass !
Thanks for sharing ! You are amazing
thanks.
thank you.
Thanks for posting!
Great teacher. I learned a lot from this man. He liberally shared his wisdom in so many talks and books. I would say, in ancient times in india, he would have been called a " Rushi", a " sage", a " Buddha ". I learned a lot from this " rushi". Thank you Ray
Glad you enjoyed the video man!
Ray's awesome
Are you serious??? Someone filming golden information from one of the most brilliant people in finance ever, and can't even frame the camera right to show what he created for us? I just wanna slap that camera man.
Look up "Ray Dalio lecture at Yale Law School", you're gonna find the slides in video
Would you relax, did this lecture cost you anything besides your phone or internet data plan? Just be happy you can watch it, oh yeah at no added fee.
@@michaelbryant8757 good point
it will cost a fortune for such a high level of market leader's lecture, priceless....
@@jamesstmanhattan tks, I came here to see if someone share the file
Thank you Ray Dalio !
Absolute gold!!!
Does anyone know about any onvestment books he wrote on how to invest ?
- Principles
-principles of dealing with a changing world order
- principles of success
it’s kinda crazy how nobody’s talking about the forbidden ebook called 25 Money Secrets From Donald Trump
That is not the topic of the conversation. Also, if you have been keeping, you might recall the ghost writers of his book said The Orange One was all bullshit. There was no credibility or authenticity to the authorship. And besides, if you think that a top money idea is to screw contractors out of their money, then no.
Damn bro, sorry for recommending a book to people😭😭
@@ThomasSmith14562when you recommend a good book that would be different
great stuff, just seeing if I am tracking... when he gave the example of monetary policy and how it effects the 2 equilibriums. He didn't mention fiscal policy lever at that point (alluded earlier) for the equilibrium effects, since the Fed has already lowered rates, print money, and is unable to QE.
Ray Dalio is the greatest consistent investor in the world.
Low risk, high return - Diversification
The Holy Grail
Your investments have to be uncorrelated as much as possible bcz that's the essense of diversification.
Yes rigth, but people dont understand, they just buy every sector and call it done.
They dont understand rates, devaluations of the USD for example nothing.
They dont edge thats the problem and what you arr saying
Are these slides available for download somewhere? Great presentation by the way !
Where's the part he sells us China bonds?
⛔ Could not find **Add a comment** button. Here is the entire summary:
```markdown
🎯 Key Takeaways for quick navigation:
00:00 📜 *Economic and Investment Principles Overview*
- Ray Dalio shares his systematic approach to decision-making and the importance of documenting principles.
01:51 🔄 *Economic Overview: Perpetual Motion Machine*
- Describes the economy as a perpetual motion machine with four big forces, three equilibriums, and two levers.
- Discusses productivity as the key force, short-term and long-term debt cycles, and the impact of central bank actions.
- Highlights the role of politics, both internal and external, in influencing economic cycles.
05:22 🔄 *Short-term Debt Cycle*
- Explains the short-term debt cycle involving recession, central bank intervention, credit creation, and subsequent debt.
- Discusses market cycles linked to short-term debt cycles.
06:31 🔄 *Long-term Debt Cycle*
- Explores the long-term debt cycle, accumulation of short-term cycles, and the need for central banks to stimulate.
- Describes the end of the long-term debt cycle, leading to quantitative easing and potential limitations.
07:56 🌐 *Geopolitical Cycle and Wealth Gap*
- Discusses the wealth gap caused by economic cycles, technology, and globalization.
- Highlights the impact of wealth gap on politics, leading to populism.
- Examines the rising power of China challenging the existing power (U.S.) in a geopolitical cycle.
09:02 ⚖ *Three Equilibriums*
- Emphasizes the importance of balancing debt growth with income growth, maintaining optimal economic capacity utilization, and the relationship between equity, bond, and cash returns.
- Stresses the role of these equilibriums in shaping economic conditions and influencing central bank policies.
12:32 🎚 *Monetary and Fiscal Policy Levers*
- Describes monetary and fiscal policy as levers to control economic cycles.
- Explains how adjustments in monetary policy influence debt growth, capacity utilization, and returns on financial assets.
- Illustrates the perpetual motion of the economy through these levers.
13:00 📊 *Charts: Productivity and Short-term Debt Cycle*
- Presents charts depicting the historical trend of productivity and the current phase of the short-term debt cycle.
- Discusses the implications of productivity decline in the later stages of the long-term debt cycle.
16:40 💰 *Debt Crisis Comparison (1900 to Present)*
- Compares the current economic situation to historical debt crises, emphasizing similarities in central bank responses and market reactions.
- Examines the impact of debt crises on central bank balance sheets and monetary policy.
18:05 📉 *Unfunded Liabilities and Golden Age of Capitalism*
- Discusses unfunded liabilities, including pension and healthcare, and their potential impact on economic conditions.
- Explores the golden age of capitalism, marked by increased profit margins, technological efficiency, and globalization.
20:02 🌐 *Wealth Gap and Populism*
- Examines the widening wealth gap and its connection to profit margins, taxation, and political polarization.
- Highlights the emergence of populism and its implications for economic and market dynamics.
21:40 🔀 *Political Landscape and Entrenched Conflict*
- Analyzes the current political landscape, showcasing the increasing conservatism of Republicans and liberalism of Democrats.
- Illustrates the entrenched conflict in voting patterns along party lines, indicating heightened political polarization.
23:44 🌍 *Market Analysis: Late Business Cycle and Political Impact*
- Late business cycle and political impact on markets,
- Europe entering elections, potential movement to political extremes, impact on capital flows.
26:02 🌐 *China's Increasing Global Influence*
- China's rising influence in the global environment,
- Comparison of United States and China in terms of output, equity market cap, and debt securities outstanding.
27:09 📊 *Factors Influencing World Reserve Currencies*
- Factors influencing the rise and decline of world reserve currencies,
- Research on the cycles of reserve currencies and the six main factors determining a country's power.
30:10 💹 *Investment Principles and Economic Overview*
- Investment principles and economic overview,
- Theoretical value of investments, asset classes outperforming cash, and principles related to return streams.
32:41 📉 *Risk Reduction through Diversification*
- Importance of diversification in risk reduction,
- Two types of return streams: beta and alpha, and the significance of having uncorrelated return streams.
38:29 🔄 *The Holy Grail of Investing: Diversification*
- The Holy Grail of investing: achieving diversification,
- Significance of having 10, 15, or more good uncorrelated investments for improving return to risk ratio.
Made with HARPA AI
```
When was this recorded?
My favourite (virtual) investment mentor - not stingy to share his knowledge & experience... God bless you Ray Dalio
Amazing explanation,
Thank you Mr. Dalio for sharing with us this information
Thank you, Ray Dalio
Amazing!
Thank you so much for sharing
20:00 Wow The bottom 40 percent of the population of the United States can't raise even 400 dollars in the event of an emergency.
We in India are poor, but anyone can raise double that amount in an hour or less. We are not wealthy, but we have savings. Even the poorest of us have at least 20 to 50 grams of gold. Even the poorest. 10 grams of gold is 500 dollars.
The institution called family has long been dismantled in the United States, in the name of individuality and freedom, so, pretty much each person is on his own.
We have family. The rate of divorces in India is 1 to 2 percent. We have no single parent families. We have gold, and we have family.
Very good insight!
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family...
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks.
@@ЕленаФирсова-ц6м Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* , a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.
@@YvonneFranken Oh please I’d love that. Thanks!
@@ЕленаФирсова-ц6м *MARGARET MOLLI ALVEY*
Lookup with her name on the webpage.
Love it!! He is the master piece of my investment thesis! Also thanks to this channel for this video!
th-cam.com/video/uawloihkNck/w-d-xo.html
1:31 2:31 30:41 31:51 32:45 35:57 41:41 42:21
Great teaching by the Greatest investor of the world
36 spot on
Free value info
16:00
Incredible
im glad we got to se the backs of peoples heads vs the top half of the presentation.
30:00
"The biggest mistakes of most investors is that they think the investment that did well is a good investment, rather than its a more expensive investment".
36:07
You gotta beat the herd!
Can anyone explain to me this? I still don’t get it.
@@hoangvietlee The mistake that many investors make is that they assume that an investment that has performed well in the past must be a good investment. However, this is not always the case. Sometimes, a stock's price may increase not because the company is performing well, but simply because it has become more expensive.
For example, let's say that you bought stock in a company for $10 per share, and over the next year, the stock price increased to $20 per share. At first glance, it may seem like this was a good investment because you made a 100% return. However, if you dig deeper and look at the company's financials, you may find that the stock price increase was not justified by the company's performance.
@@hermanusbernardusswart4690 Thank you, now I get what he said.
Есть русская версия? Оплачу.
“They don’t give Olympic medals out for talking a good game.”
― Steve Backley
Ray does and lives everything he talks about. His 21 billion dollar net worth speaks for itself. This is the only man creditable enough to be talking about this stuff on the internet. Every damn tik tok and Instagram guru should not be taking about finance and economic as well as investing. Clues less fools stealing from hard working people.
Trading forex is a good business one can think of doing
Yes you’re right forex is a very lucrative investment
If u ask me I think forex has something big for the world but having a good expert to mentor you is the best
Bitcoin should be transparent and it isn’t as easy as people thinks it is, there are so many strategies to be learnt and unfolded about Bitcoin trading
I’m actually looking for a good trader that can help me trade and make good profit... but it very hard to see trusted one. Any idea?
It’s fascinating knowing someone here also trade with expert Mrs. Miriam Klein
Invest in different assets 🎉
What kind of genius records a lecture without including a full view of the projector? How am I supposed to see the top half of the slides bro??
This video is form two years ago where the rate hit low. Taking about the stock, Where are we now? The bottom? Time to buy or it will go worse?
That's good
"If we were motivated by money, we would have sold the company a long time ago and ended up on a beach." Larry page google founder
Ray Dallo you are a good 👍 teacher 👨🏫 about financial matters. You have a good 😊 pedagogy makes financial matters understandable 🙏🏽 You should have taken Education course in college 🙏🏽 Thank you 🙏🏽 for your service from the Philippines 🇵🇭 🙏🏽💙💕
Dude knows whats up, he made a grip when covid hit us......
WOW, simply amazing! What Ray said with conflicts (military and economic) rising interest rates and inflation have all come true. Ray is truly a GOAT for sharing his wisdom with everyone so selflessly
Seen
24:24 Thank God, no Jeremy Corbyn..
Ray is my neighbor in Connecticut 🏠 🏠
Cool Guy bro 💵
Antozent- they are selling around 250 self help books for the price of one (you’re welcome)
Never invest in the 1st week of the month.. All big fund houses know this behaviour of salaried employees. They sell their shares to you on the first week at higher price and then buy at lower rates later in the month.
Please Note, if you are an investor then NEVER EVER buy at higher valuation.. there will be a correction during your holding period- PRICEWISE or TIMEWISE 😊
These days the markets follow the Fed
Im feeling old watching these comments Im 19 everybody so old
Your on the right path 🫡
Markets have nothing to do with economy.
I regret not having the mental capacity to research each company's performance and determine whether now is a good time to buy stocks or not. My $450,000 reserve is being wiped out by inflation, and I'm not sure what to do at this point, to be honest. You should find a mentor or an experienced advisor to help you, particularly during this recession.
I agree, which is why I prefer having an investment coach handle my day-to-day decisions. Given that their entire skill set revolves around using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, coupled with the unique information and analysis they have, it is virtually impossible for them to underperform. I've been using an investment coach for more than two years and have made over $1.5 million.
@@stevensmiddlemass2072 I've been considering it; I've been holding onto a number of stocks that are falling in value and am unsure whether to maintain them or sell them. I believe your expertise as an investment coach could help me with portfolio restructuring.
@@ConradGosling Sure, the inv-coach that guides me is STACIE KRISTAL WEBER, she popular and has quite a following, so it shouldn't be a hassle to find her, just search her.
@@stevensmiddlemass2072 Stacie really seem to know her stuff. I found her website, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her.
Scam bots unite! ✊️
He’s starting to resemble jeremy irons in margin calll 😅