저자: 미상 · 외국인
요약 보기
시장 폭락에 대비하는 6가지 방법을 소개하는 교육형 영상(마이클 버리 제목이지만 자막 본문에 버리 발언은 없음). 핵심 주장: 폭락은 예측이 어렵지만 사전 준비는 가능하다. 1) 분산투자: 평소엔 위험 노출을 키울 수 있으나 위기 조짐이 보이면 안전자산으로 옮겨야 함. 주식·채권·현금·부동산·파생상품·현금가치 생명보험·연금·귀금속 등 여러 자산 보유 권장. 2) 탈출 전략: 폭락 시작 시 전문가처럼 주식을 금·현금 등 덜 변동적인 자산으로 전환. 금은 불안 시 가치 상승, 현금은 대국 통화 기준 가치 유지. 미리 귀금속 매수 방법과 매도 시 세금을 조사해 둘 것. 3) 보장형 상품: 폭락에도 약정 수익을 지급하는 상품은 수익률이 낮음. 단기는 은행 CD·국채, 장기는 고정/지수연금, 지수연동 유니버설 생명보험 등 고려. 4) 부채 정리: 고금리 부채(신용카드 등)는 폭락 전 상환. 폭락 후 중앙은행이 금리를 올리는 경향이 있어 부담 증가. 5) 완전한 안전은 없음: 충분히 큰 폭락은 어느 정도 피해를 줌. 6) 세금 손실 상계(tax loss harvesting): 과세 계좌의 손실 종목을 매도해 다른 해 이익과 상계하고, 31일 이후 재매수 가능. 결론: 폭락을 예측할 완벽한 방법은 없으며 최악에 대비하는 것이 핵심. 출연자 전망: 특정 자산 가격 방향에 대한 구체적 예측 발언 없음.
다듬은 글
michael bury's secret warning we are on the verge of this starvation biggest crash in history as the old saying goes there are two definitions in life death and taxes to that we might be justified in adding a third market crashes market crashes have been around for as long as the stock market itself and every time they happen they make new winners and new losers this doesn't happen randomly though though market crashes are in themselves unpredictable it's possible to prepare for them there are several tried and tested methods for protecting your 401k from stock market crashes for instance and even some that are used with mixed success to take advantage of stock market crashes today we're going to talk all about the six ways you can prepare for a market crash so you come out of the next one with your finances looking as healthy as they can local birds if you're interested in everything around f jordan' single most important way in which you can prepare for a stock market crash is to make sure that your investment portfolio is as diverse as possible having a diversified portfolio is good advice at any time because this reduces your exposure to risk however during normal times you may choose to purposefully expose your investments to increased risk in order to realize larger returns that means that at these times most active investors will hold their portfolio as individual stocks stock mutual funds or exchange traded funds etfs if you see a crisis looming it's important to be able to move a good proportion of that money into safer investments that can include pulling the money out of the stock market altogether and keeping it in a high interest savings account but it should also mean that you diversify the types of assets you hold as much as possible ideally your assets should include all of the major stores of value available to you stocks bonds cash real estate derivatives cash value life insurance annuities and precious metals the key here is to strike a balance between long-term investment and flexibility while the highest returns can generally be realized by keeping your money in a particular investment for a long time you shouldn't let this get in the way of your flexibility a second strategy for dealing with stock market crashes is to have an exit strategy for when a crash starts to happen here you can imitate the professionals in order to protect your investments when a stock market crash starts to occur as evident in the rapidly falling price of stocks for instance or financial institutions going bust this generally triggers a race professional investors will pull their clients money out of the stock market by converting it into less volatile forms of value the two most common of these are precious metals and cash gold for instance spikes in value every time the market is spooked by rumors of a crash because many regard it as the most stable form of long-term investment cash is a close second to precious metals because it generally holds its value even during the most far-reaching crashes as long as the currency you're holding is backed by a large country like the usa japan or the uk it's possible for individual investors to follow this example and quickly divest themselves of volatile assets as soon as they see a crash occurring it's crucial however that you know how to do this take some time to research how to buy precious metals and make sure that cashing out your shares won't land you with a massive tax bill that way when the next crash does occur you'll know exactly what to do and won't waste precious days in research there are some types of investments known as guaranteed investments that won't crash with the stock market this is because the companies who offer them are legally obliged to pay out a particular return even in the event of a stock market crash the downside of these investments is that the returns on them are very low this means that most investors won't want to hold guaranteed investments as a large part of their portfolio that said having some money in these instruments can be a good way to protect a portion of your assets in the event of a crash they can also provide a short-term lifeboat for your money as the market starts to crash for this kind of short-term approach bank cds and treasury securities are a good bet there are longer term ways to invest in guaranteed assets though and some of these offer reasonable returns as long as you're willing to hold them for many years or even decades fixed or indexed annuities or even indexed universal life insurance products can provide better returns than treasury bonds and can provide a good income even during stock market crashes a quick word about debts which investors often forget about in the chaos of a market crash if you are holding high interest debts when you see the market about to enter a crash you should quickly use any available liquidity to pay them off this is for two reasons one short term and one long term in the short term it's a good idea in times of economic hardship to reduce your monthly outgoings such as your mortgage payments getting rid of your debt also makes sense on a macroeconomic level though this is because in the immediate aftermath of a stock market crash central banks tend to raise interest rates so that financial institutions can recoup some of their losses if you hold high interest consumer credit such as credit cards these interest rate increases can really hurt so while it's a good idea to minimize debt even in normal times it's especially important in the run-up to a stock market crash finally it's important to recognize that you can never be completely safe from a stock market crash no matter how well diversified your portfolio and how quickly you can get your assets to safety a broad enough crash will always hurt you at least a little there are ways of making the most of that though specifically if you're clever about when you accept these losses you can use them to offset profits in another year or thereby reduce your tax liability tax loss harvesting for instance is one option for losses sustained in taxable accounts you simply sell all of your losing positions and buy them back at least 31 days later there's no completely reliable way to predict stock market crashes and similarly there's no completely foolproof method for avoiding losses that can occur during a crash what you can do however is to prepare for the worst uh now you
Comments 0