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
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.
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
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.
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.
I am experiencing one of the most challenging phases of my life... Lost a fortune lnvesting in emerging companies. How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
I agree, based on personal experience with an investment advisor, I currently have $985k in a diversified portfolio with exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable.
My advisor is *Alicia Estela Cabouli* With the help of google you can book an appointment. She has a wealth of experience in the financial market gained over several years.
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé
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.
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.
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)
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.
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 👍👍
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
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.
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.
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
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
The right investment can get you ahead in no time.Determining the best stocks to buy isn't an easy task, investors must first understand what they want out of their investment portfolio.. the right stocks can make anyone wealthy.
@Paul Nolan investing needs not be complicated, Investing with little education can only result to losses. I've also made some bad decisions in buying the wrong stocks until i had the guide of my account coach Frost Hilda who shored up my portfolio with outperforming stocks that has effectively increased my portfolio performance and helped build a portfolio that has cleared all my debt with huge profits through trading.
Debbie it’s been Rewarding! my earnings and my portfolio has grown rapidly. It's been 3 years with he’s system, Look him up, his name and business socials link in,as a trading coach and financial advisory. a valuable resource, for anyone looking to navigate the financial market easily, My portfolio looks solid than ever.
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
@@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
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.
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
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.
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.
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 🇵🇭 🙏🏽💙💕
Fight Digital Money in any forum . Life does not promise you Electric Power or the Internet . Buy Gold and Silver . Stack something , Even Copper , Nickle and other Metals , Heck buy a Metal Detector just as Insurance to feed your family . Characteristics of sound money , You know where your Gold is .
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.
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.
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
⛔ 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 ```
while agreeing with all the principles talked in the lecture, he did not anticipate UK election result correctly and of course nobody knew the pandemic will hit at that time
"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.
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
Why is Ray talking about the serviceability of debt when the US national debt has gone beyond serviceability? Market volatility has moved beyond these outdated principals.
Serviceability is just being able to pay the interest which we can do easily. The key variables are GDP & interest rates. Since debt is denominated in dollars, the Federal Reserve controls the rate, so they’re incentivized to keep it low. If GDP increases, it increases the amount of dollars available to service debt. Since GDP continues to grow, we can service more debt than we could in the past. As Ray articulates, this game can only continue so long, & we have seen the debt to GDP ratio increasing. Inevitably taxes have to go up to service the debt, which of course is not a productive use of money but at least there’s plenty of capacity in terms of high income to tax. My concern is not our ability to service debt but rather the effect servicing it has on slowing growth of the economy.
he always gives his lectures about monetary policy and the tools that the federal bank has. But he never dives into fiscal policy and congress and government spending and taxation . It’s the wasteful nonproductive spending by government that has been non sustainable and generating economic chaos in the markets and the economy . But he does not know about it or he is afraid to say or speak about it .
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
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.
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
@@user-zr3yh3wk6h 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
@@user-zr3yh3wk6h Thank you, I just checked her out and I have sent her an email. I hope she gets back to me soon.
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.
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.
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
:
I am experiencing one of the most challenging phases of my life... Lost a fortune lnvesting in emerging companies. How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
I agree, based on personal experience with an investment advisor, I currently have $985k in a diversified portfolio with exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable.
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?
My advisor is *Alicia Estela Cabouli* With the help of google you can book an appointment. She has a wealth of experience in the financial market gained over several years.
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé
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.
Thanks Ray for sharing with us this info
MasterClass !
Thanks for sharing ! You are amazing
Thanks for sharing :) awesome content by ray
Amazing video and no ads.
thank you for sharing
Thanks for posting!
Thanks to the internet again and the one behind posting this amazing video and oooof courseeee to Ray! 💪
Warmest greeting from Bali island
Much more apppreciate that i love this a tutorial
Thank you so much
Thankful to the person who shot and uploaded the video 👍
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.
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)
great job keeping the slides in view
Thank you Ray Dalio !
So much grateful for your great sharing Mr. Ray Dalio.
Absolute gold!!!
Thank you so much for sharing
Great lessons
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.
Ray's awesome
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 👍👍
Amazing!
thank you.
Best explanation of economy ever! Unfortunatelly very brief the last part on investments :-(
Economic and military are together brought to the other worlds
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
Incredible
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.
Love it!! He is the master piece of my investment thesis! Also thanks to this channel for this video!
ua-cam.com/video/uawloihkNck/v-deo.html
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.
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!
Is there any place where we can download or see this slides?
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
The right investment can get you ahead in no time.Determining the best stocks to buy isn't an easy task, investors must first understand what they want out of their investment portfolio.. the right stocks can make anyone wealthy.
I'm always looking out for stocks capitalizing on new trends, they seem to be the best to buy.
@Paul Nolan investing needs not be complicated, Investing with little education can only result to losses. I've also made some bad decisions in buying the wrong stocks until i had the guide of my account coach Frost Hilda who shored up my portfolio with outperforming stocks that has effectively increased my portfolio performance and helped build a portfolio that has cleared all my debt with huge profits through trading.
Debbie it’s been Rewarding! my earnings and my portfolio has grown rapidly. It's been 3 years with he’s system, Look him up, his name and business socials link in,as a trading coach and financial advisory. a valuable resource, for anyone looking to navigate the financial market easily,
My portfolio looks solid than ever.
Free value info
36 spot on
Amazing explanation,
Thank you Mr. Dalio for sharing with us this information
That's good
When was this recorded?
good video. Camera man does a horrible job capturing the slides. Anyone have the slide deck?
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
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
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
Where can we get that script that he's displaying in the presentation
Great teaching by the Greatest investor of the world
In what book do we find this because i cant find a book calles the economic and investment principles by ray dalio
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.
Ray Dalio is the greatest consistent investor in the world.
Low risk, high return - Diversification
The Holy Grail
My favourite (virtual) investment mentor - not stingy to share his knowledge & experience... God bless you Ray Dalio
16:00
Investment Principles from 30:40
Ray Dalio is the Benjamin Graham of our time.
Thank you, Ray Dalio
30:00
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
Есть русская версия? Оплачу.
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
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
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.
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.
Where's the part he sells us China bonds?
“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.
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 🇵🇭 🙏🏽💙💕
Fight Digital Money in any forum . Life does not promise you Electric Power or the Internet . Buy Gold and Silver .
Stack something , Even Copper , Nickle and other Metals , Heck buy a Metal Detector just as Insurance to feed your family .
Characteristics of sound money , You know where your Gold is .
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
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??
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!
Are these slides available for download somewhere? Great presentation by the way !
These days the markets follow the Fed
Ray is my neighbor in Connecticut 🏠 🏠
Cool Guy bro 💵
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
Dude knows whats up, he made a grip when covid hit us......
⛔ 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
```
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?
while agreeing with all the principles talked in the lecture, he did not anticipate UK election result correctly and of course nobody knew the pandemic will hit at that time
He is only a human being. He's entitled to getting wrong sometimes
"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.
im glad we got to se the backs of peoples heads vs the top half of the presentation.
He’s starting to resemble jeremy irons in margin calll 😅
1:31 2:31 30:41 31:51 32:45 35:57 41:41 42:21
24:24 Thank God, no Jeremy Corbyn..
and this video has only 82k views.... while cat videos go viral!!!
Kind of shows you where peoples priorities are, sad.
Life for sale
He was very wrong about Jeremey Corbin becoming PM, Corbin was defeated in a spectacular fashion
He is a human being, and entitled to getting it wrong sometimes. Give him a break.
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
Why is Ray talking about the serviceability of debt when the US national debt has gone beyond serviceability? Market volatility has moved beyond these outdated principals.
Serviceability is just being able to pay the interest which we can do easily. The key variables are GDP & interest rates. Since debt is denominated in dollars, the Federal Reserve controls the rate, so they’re incentivized to keep it low. If GDP increases, it increases the amount of dollars available to service debt. Since GDP continues to grow, we can service more debt than we could in the past. As Ray articulates, this game can only continue so long, & we have seen the debt to GDP ratio increasing. Inevitably taxes have to go up to service the debt, which of course is not a productive use of money but at least there’s plenty of capacity in terms of high income to tax. My concern is not our ability to service debt but rather the effect servicing it has on slowing growth of the economy.
So is this high volatility downturn (So far?) a product of volatility only or are there som if Rays principal’s at play, too?
Anybody cared to comment the notes?
he always gives his lectures about monetary policy and the tools that the federal bank has.
But he never dives into fiscal policy and congress and government spending and taxation .
It’s the wasteful nonproductive spending by government that has been non sustainable and generating economic chaos in the markets and the economy .
But he does not know about it or he is afraid to say or speak about it .
Way to NOT show the slides fullscreen on UA-cam. Great video--not.
Kayo sumira sa Buhay ko dahil sa laro nayan sinira ninyo Buhay ko
I have heard that Dalio is a control freak and almost impossible to want to work for.
Totoo Kang tao bayaran ninyo PAG sira ninyo sa buhay ko