저자: 미상 · 외국인
요약 보기
레이 달리오의 투자 원칙 3단계를 소개하는 영상이다. 결론: 달리오식 3단계(필요 생활자금 파악, 분산투자, 시장 사이클 이해)를 따르면 누구나 성공적 투자자가 될 수 있다는 주장. 1단계 - 필요 자금 파악: 현재 저축으로 소득 없이 몇 달 또는 몇 년을 살 수 있는지 자문하라고 권함. 달리오는 사회 초년 시절 소득 없이 6개월 생활이 가능할 만큼 저축했고, 이후 자녀 필요까지 고려해 은퇴 후 필요 금액을 정했다고 함. 분산투자: 저축 계좌만으로 자산을 두는 것은 이자가 낮아 좋지 않다고 함. 브라질 저축계좌 수익은 연 약 50%처럼 소개되나 TR 기준으로는 실질 가치가 사실상 줄어든다고 설명. 주식, 채권, 부동산 등 비화폐성 자산으로 분산하고, 좋은 시장과 나쁜 시장 모두에서 수익을 낼 수 있게 포트폴리오를 구성하라고 권함. 전문 자문가 활용도 권장. 2단계 - 분산투자 강조: 경제 성장·침체, 인플레이션 상승·하락 어떤 상황에서도 이길 수 있도록 분산하라는 조언. 2008년 위기 때 달리오가 큰 수익을 낸 배경으로 제시. 3단계 - 시장 사이클 이해: 역사는 사이클로 반복되므로 과거 패턴을 익혀야 한다고 함. 모두가 팔 때 사고 모두가 살 때 파는 법을 알아야 한다고 강조. 달리오는 손실에서도 배우며 위기에 강하다고 평가. 마무리: 달리오의 저서 『Principles』 일독을 추천하고, 마음을 통제하는 것이 가장 큰 자산이라는 메시지로 마무리. 예측 발언 분석: 대상 자산에 대한 1~3개월 가격 방향 예측은 없음. 특정 종목·지수·금리·환율에 대한 방향 언급 없음.
다듬은 글
King D'Alho is one of the world's greatest investors. Recently, the founder of Bridgewater Companies became quite famous, mainly because of his book " Principles," considered one of the bibles of entrepreneurship and the investment world. D'Alho amassed his fortune during the last crisis of 2008 when, through his funds, he managed to multiply his wealth in days that were previously unimaginable, while the entire market was losing and registering losses all the time.
More recently, he decided to share some of his secrets, which he called "principles," and he also gives three tips for those who want to start investing in 2019. He believes that by following the three-step method, anyone can become a successful investor, and he knows very well what he's talking about.
After all, according to Forbes magazine, D'Alho has more than 18 billion dollars in assets, and it's worth remembering that he founded his company in a two- bedroom apartment in New York in 1975 when he had almost nothing. These three investment steps were shared on the CNBC website and were translated by Informando.
The first of them is: decide how much you If you want to start investing in the future, Dario advises asking yourself: How long can I live on my current savings without income? How many months or years of freedom and security do I have? Is that enough? How much would you need? And make sure you have more than that.
I advise you to start thinking about your retirement as soon as possible, and especially about your future. After all, at some point in your life you may have some losses or have a much lower income than you have today. He realized that when he started working he saved enough to live for six months without any income, and he confides that after a few years he started thinking about his children's needs.
Over time, he defined the amount he would need to live on income when he stopped working. He organized himself to reach that amount of money. I recommend that you do the same: create a diversified portfolio. You have probably heard that rich people have multiple sources of income and should always diversify their investments, and Haydn Alho Go believes that this is a very intelligent decision.
However, keeping all his assets in a savings account is not an intelligent decision since interest rates are low and savings do not offer returns. According to Dario, savings accounts are the worst option you can choose. To give you an idea, in Brazil, savings accounts yield only about 6 million reais (50% per year), but the value of the TR (reference rate) – that is, the fixed rate of updating the monetary value – means that your money in savings is practically losing value, since all other options are much smarter and will guarantee a much more significant return in relation to a diversified portfolio of assets.
He advises diversifying into non-monetary assets: stocks, bonds, and even real estate. For him, the portfolio should be organized in a way that makes it possible to profit both in good and bad market times. His advice is to spread and balance the risks of various types of investment. Naturally, all investments have a certain risk, but Dario believes that by diversifying you will be protecting yourself from eventual fluctuations, since the growth of one investment can compensate for the collapse of another.
He believes that significant gains are built over time, that is, it is a long-term investment, and for this you should seek a specialized professional so that you literally have an advisor for your investments and are not held hostage by the market. Dario, who amassed [amount missing], believes this.
A great fortune was made during the 2008 crisis. While most investors took on various losses, he said that diversification is very important. You should diversify thinking that under any condition, whether the economy is growing or shrinking, inflation is rising or falling, you should win. This was a major differentiator that allowed D'Alho to multiply his fortune and watch his competitors crumble.
3. Learn the market cycles. D'Alho believes that to be a successful investor, you need, in addition to having a diversified portfolio, to understand the historical patterns of the economy and the stock market. The tendency is for history to repeat itself in cycles; that is, if a behavior exists at a certain time, it has probably already occurred many years ago and will most likely occur many years from now, because human beings assume cycles in their lives.
Regarding the historical cycles of the market, he says that if you deviate from this balanced mix, which I do not recommend because the timing of the market is a difficult game for the non-professional, you need to know how to deal with the cycles. Know how to buy when everyone wants to sell and how you sell when everyone wants to buy.
These lessons show D'Alho's quite resilient and interesting behavior. He wins when others are losing, and he also learns to understand his losses and learn from them. This allows him to excel during times of crisis by understanding the market and the historical cycles that keep repeating themselves.
Those who know this cycle know history and that it tends to repeat itself. When you know this, you have a much greater chance of being successful, just like King W himself. For more advice from King W, I recommend you check out the book "Principles," where King David shares his own principles of life and work, how he made decisions, how he relates to leaders of state, how he reconciles them with successful people, and how he manages to make so much money in such adverse situations as global crises, among others.
This has become essential reading not only for investors but also for entrepreneurs because, as the king himself likes to emphasize, the mind is your greatest asset. When you know how to control it, you know how the market will behave; you understand that the market is unpredictable but cyclical; you can be prepared for any difficulties that will appear along the way.
So King W is always a great source of inspiration, whether through these tips or his book " Principles." If you can, keep looking for Haydn Alho content, and we'll always be producing videos so you too can achieve your success. I hope you enjoyed it. Subscribe to the channel to receive more content. See you soon and a big hug!
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