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have you ever wondered how great investors manage to survive Market crashes even when everything seems to be falling apart today we are going to reveal one of the most powerful methods for winning in the stock market and best of all it does not come from complicated theories or Wall Street experts this system has been tested simplified and explained by one of the most successful investors of all time Ray doio the creator of one of the largest investment funds in the world Bridgewater Associates diio has perfected a formula that will allow you to protect your money in any circumstance and at the same time make it grow steadily this method is so solid that when the entire Market shakes your portfolio remains firm can you imagine having a strategy that works regardless of whether the economy is doing well or badly well that is exactly what diio proposes with his famous permanent portfolio this is a plan based on a specific combination of assets that if followed will allow you to successfully navigate any Financial storm so if you were looking for a strategy that will make you feel safe in the stock market without losing sleep over Market fluctuations this information will be useful to you before we dive into Ray Doo's method it's crucial to First understand who this man is and why we should take what he has to say seriously we're not talking about just any Wall Street investor Ray diio is a living legend in the financial World his history and experience have put him at the top of the game he founded Bridgewater Associates in 1975 an investment firm that under his leadership has managed billions of dollars so you could say this guy has been playing into big leagues for decades but what really sets him apart is not just the money he has made but how he has made it diio is not your typical investor who is Guided by hunches or passing Trends his approach is almost scientific he studies the economy and the markets in a very meticulous way analyzing data cycles and behaviors throughout history to understand how they move he is not interested in guessing which stock will Skyrocket next or in following investment fads that can disappear at any moment his goal is much more ambitious to have a system that works in any economic scenario and who wouldn't want that we all dream of finding that strategy that allows us to make money regardless of whether the economy is doing well or badly this is where his famous permanent portfolio comes in unlike many strategies that try to predict the market and focus on guessing which asset will go up or down the permanent portfolio takes a much more stable and forward-looking approach instead of taking unnecessary risks trying to get ahead of the market diio proposes to be prepared for anything whether it's a recession an inflationary crisis unexpected growth or even an economic depression his method is designed to keep you protected no matter what comes next and how does he do this with asset diversification the basic idea is that you can't rely on just one type of investment because the market is unpredictable instead you need to have a balanced portfolio that will allow you to navigate any Financial storm it's not about guessing the future but about preparing for any possible scenario this is exactly what Ray diio has taught time and time again it's not about being smarter than the market but about being more prudent in all always being ready for the unexpected what is the permanent portfolio it's based on diversifying your money across four main asset classes why is this so important because each of these assets responds differently to economic conditions meaning that when one loses value another is gaining balancing your portfolio and keeping it stable it's basically a strategy designed so that you don't have to worry about the ups and downs of the market the four pillars of the permanent portfolio are one actions when you think of stocks you think of economic growth and that's because in general stocks do well when the economy is strong companies grow their earnings rise and investors benefit from that they're the asset that performs best in times of economic expansion when everything seems to be going swimmingly however in times of Crisis stocks can suffer Big Falls two bonds bonds are a type of loan you make to governments or companies and in times of deflation or when interest rates fall these bonds tend to rise in value they are the perfect counterbalance to times when stocks are not performing well when the economy is in a down earn and investors are looking for safety long-term bonds become an attractive option three gold gold is known as a safe haven throughout history it has been the asset that investors turn to when there is uncertainty in the markets or when inflation is high in times of economic crisis or political instability gold tends to maintain or increase its value protecting your money from the negative effects of these scenarios for cash while cash alone doesn't generate huge returns it does provide a layer of stability in your portfolio it's what allows you to have liquidity in times of high volatility when the market becomes unpredictable cash allows you to react quickly and efficiently you don't have to sell assets at low prices or make desperate moves having a cash Reserve gives you the peace of mind that if the market crashes you have the margin to hold on and better yet the opportunity to take advantage of dips to buy at low prices if you find today's content interesting remember to leave your like And subscribe so you don't miss the next video let's continue according to Ray doio each of these assets reacts differently to different economic phases and when combined they form a solid strategy that helps protect your money the question we must ask ourselves now is what are these economic phases let's start with phase one economic growth this is the ideal scenario where everything is going well companies are making money people have jobs consumption is increasing and markets tend to go up in this environment stocks are the big Winners because when the economy grows companies increase their profits and investors get good returns phase two high inflation in this scenario prices rise and money loses value because everything costs more this is where cash and bonds lose strength but assets like gold shine why simply because gold is seen as a safe store of value when cash loses purchasing power therefore during times of inflation gold protects your money by maintaining its value while the rest of the economy falters phase three recession this is the scenario where things are not going well the economy slows down unemployment Rises and companies earn less in times like these long-term bonds tend to take the lead this is because when the economy Falls central banks usually reduce interest rates to stimulate activity and that makes bonds more attractive and profitable phase four deflation although it is less common deflation can occur and that is when prices start to fall this can be a symptom of a prolonged recession where demand for goods and services plummets in these cases cash is key as it maintains its value while other assets such as stocks can be severely affected by holding cash at these times you have the opportunity to buy more goods and services with the same amount of cash as before as we can see each of these scenarios affects assets differently and this is where the magic of Dio's diversification comes in if your portfolio is properly distributed among these assets you can be sure that at least part of your investment will be doing well no matter what phase the economy is in now that we understand assets and different economic scenarios how do we put this strategy into practice the key is in the proper allocation of the four types of assets that make up the permanent portfolio Ray diio suggests dividing the capital as follows 30% in shares this part of the portfolio includes a mix of domestic and international stocks stocks are known for their long-term growth potential although they can be quite volatile in the short term the idea is that by being Diversified some of them can shine even in difficult times While others may not 40% in bonds this is where security plays an important role as we said before in times of deflation or recession these bonds are essential to protect your portfolio as they act as a buffer amidst economic turbulence 15% in gold gold is like that loyal friend that is always there in times of Crisis as its value tends to rise when currencies lose purchasing power making it an essential hedge against inflation 15% to be kept in cash it is essential to stabilize the portfolio by providing liquidity and security to it by following this structure your portfolio will remain balanced if stocks take a down earn bonds or gold can offset those losses and if inflation takes off your exposure to gold and bonds will protect your investment so by building the permanent portfolio in this way you create a system that can adapt to any economic circumstance after looking at the theory of the permanent portfolio let's move on to a practical example so you can better understand how this strategy Works in real life let's say you have $20,000 to invest the first thing you would do is split your money between different assets to cover all bases you would put $6,000 in stocks probably in an index fund like the S&P 500 or some fund that tracks the global market this would give you exposure to the world's largest companies with the potential for long-term growth although there may be ups and downs along the way next you would invest $8,000 in long-term bonds such as the famous US Treasury bonds which are known for their safety and stability these bonds tend to rise during economic downturns making them an excellent hedge during tough times you could also put $33,000 into gold investing in an ETF that tracks the price of gold or even buying physical bullion or coins if you prefer to hold the metal in your hands finally you would leave $3,000 in cash in a savings account which generally offers low returns to maintain liquidity this would allow you to access money quickly if an opportunity arises or if you need to cover an emergency with this distribution you would be ready for whatever comes recession inflation deflation or growth but then what average annual returns has this investment method given from 19 1972 to 2014 42 years of History it has an average annual return of 99.22% and a standard deviation of 8% the most surprising thing is that its worst streak or year has been only minus 6.13% in that entire period this is a perfect portfolio for calm people who do not want complications since this is a very easy strategy to manage you don't need to keep an eye on the market every day or worry about ups and downs once you've built your portfolio all you have to do is rebalance it from time to time perhaps once a year to get your investment ratios back to where they were at the beginning this strategy also helps you control your emotions when investing in times of Crisis many investors panic and sell their assets at the worst possible moment losing a lot of money with the permanent portfolio you know that there will always be a safe part of your investment which gives you the calm necessary to not make impuls I of decisions finally this strategy has been proven to generate consistent returns over time don't expect to get rich overnight but as you've seen it does guarantee stable growth and most importantly protects you from Big losses when the market falters if you looking for a strategy that allows you to invest like the experts do and at the same time sleep peacefully knowing that your money is safe the permanent portfolio is an excellent option are you planning to follow this method leave us your answer in the comments ments if you like this content remember to give it a like And subscribe to the channel so you don't miss the next video see you soon
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