저자: 미상 · 외국인
요약 보기
결론: 영상은 복리의 힘, 조기 투자, 손실 회피의 중요성을 강조하는 일반 재테크 교육 영상이며 특정 종목·자산의 가격 방향 예측은 없다. 빌 애크먼 소개: 페ershing Square 창업자로 헤르벌라이프 공매도 논쟁, 코로나 시기 폭락 베팅으로 큰 수익을 낸 역발상 투자자로 소개된다. 과거 설명이며 예측이 아니다. 복리 예시: 22세에 1만 달러를 연 10% 수익으로 43년간 굴리면 약 60만 달러가 된다. 22세부터 시작하면 32세에 시작한 경우보다 훨씬 큰 차이가 난다. 수익률 비교: 연 15%면 약 400만 달러, 워런 버핏급인 연 20%면 약 2,500만 달러로 불어난다는 계산을 제시한다. 아인슈타인의 '복리는 우주에서 가장 강력한 힘' 인용 포함. 손실 리스크: 연 20%를 목표로 하더라도 12년마다 손실로 원금의 절반을 잃으면 43년 후 약 180만 달러에 그친다. 고수익 추구보다 큰 손실 회피가 핵심이라는 주장이다. 버핏의 '첫 번째 규칙은 돈을 잃지 않는 것'을 인용한다. 투자 시작 시점: 학자금 대출·신용카드 부채를 먼저 상환하는 것이 보장된 수익률에 해당하므로 우선이라고 조언한다. 주식 투자는 5~10년 이상 쓰지 않을 여유자금으로 해야 한다. 비상금: 실직에 대비해 최소 6개월~12개월치 생활비를 현금으로 확보하라고 권한다. 언급 종목·자산: 없음. 특정 종목, 지수, 금리, 환율에 대한 방향 예측 발언은 없다.
다듬은 글
hi bill ackman is one of the greatest and most controversial investors of all time he is considered by many an active contrarian who takes bold bets against the consensus as the founder and ceo of pershing square capital he is worth an estimated 1.5 billion dollars he is probably most famous for his public feud with the great billionaire investor carl icahn over herbalife the pyramid scheme ackman bettered one billion dollars that herbalife stock would fall to zero and then carl icon took an opposing position this caused the two to ensue in a public feud in recent times bill ackman has turned 27 million dollars into 2.6 billion dollars by predicting that the global health crisis will cause the stock market to crash moreover ackman recently sold his shares in warren buffett's berkshire hathaway so his own investing firm could be more nimble and take advantage of a potential stock market crash again so it seems bill ackman has no issue making bold bets against the consensus let's assume at 22 you get a pretty good job instead of spending your money on you know gadgets or a fancy apartment or not so fancy apartment or going out and drinking a fair amount you put some money inside you start investing money let's say you could save ten thousand dollars at 22 and you can earn a 10 return on that money between now and the time you retire what would you have in 43 years the answer is you put aside ten thousand dollars you don't save another penny and you invested it and you're in ten percent of your money each year you'd have six hundred thousand dollars in your forty three and the reason for that is well in year one your ten thousand dollars would become eleven year two year eleven thousand dollars would grow by ten percent and so you'll be earning interest not just on your original principle but you'd earn interest on the interest you'd earn in the previous year and that compounding effect allows money to grow in an almost exponential fashion now obviously if you earn more than ten percent uh you can earn even higher returns now that's if you put ten thousand dollars aside in 22 you have 600 thousand dollars in 43 years that's pretty good what if you had to wait until you were 32.
the problem there is by your 33 you only have 232 000 maybe that's not enough to retire so a key thing here is if you're going to be an investor it's really one of the most valuable assets you have today as someone who's 18 or 19 years old is your youth you want to start early so your money can grow over time what if you could earn 15 give you a better sense of how powerful compounding is remember at 10 for 43 years you'd have 600 000 that's pretty good but if you're in 15 you'd have over four million now you're in a pretty good position and uh so obviously making smart decisions about where you put your money uh has a huge difference in what your retirement assets are and obviously if you put aside more than ten thousand dollars if you put aside ten thousand dollars each year then your your your wealth would be you know quite enormous now just for fun if you were one of the world's great investors uh warren buffett being a good example if you could earn 20 per year for 43 years you'd have 25 million dollars again the original 10 000 investment would increase by 2500 times over that period of time just by earning a 20 return albert einstein said the most powerful force in the universe is compound interest the key is start early earn an attractive return and avoid losing money and you're going to have a very nice retirement okay now let's talk about the risk of losing money now let's assume that in order to try to get a 20 return you took a lot of risk and it turns out that every you know every 12 years you lost half your money because you hit a bad patch in the market you made dumb decisions well you're 25 million dollars at 20 percent would now only be worth a million eight in 43 years so a key success factor here is not just shooting for the fences trying to get the highest return it's avoiding significant losses over the over the period okay so as warren buffett says rule number one in investing is never lose money and rule number two is never forget rule number one so if you can avoid losses and earn an attractive return over time you're gonna have a lot of money in many if you can stick at it for a long period of time but now when are you ready to start investing money my guess is you're a student you probably have student loans perhaps you even have some credit card debt you're going to graduate you're going to get a job so you don't want to jump right in and while you have a lot of debt outstanding start investing in the stock market stock market is a place to invest when you've got a good you have money you can put away and you won't need for five years or maybe 10 years so if you're paying relatively high interest rates on your credit cards you definitely want to pay off your credit cards first before you think about investing in the stock market your student loans are probably lower cost than your credit cards but again here my best advice would be you know once you if your student loans are costing you six or seven percent well if you pay them off it's as if you earned a guaranteed six or seven percent return and you're just better off getting rid of your credit card debt and even your student loan debt before you commit a lot of material amount of money to the uh to the stock market even once you you paid off your credit card debts you perhaps you're paid down your student loans you want to have enough money in the bank so that even if you were to lose lose your job tomorrow you've got a good six months maybe even 12 months of money set aside so which of bill admins rules resonated the most with you comment your favorite below if you enjoyed this video go ahead smash that like button and definitely subscribe see you next time yeah yeah yeah yeah coming in yeah i just wanna win
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