# 3 Ways I’ve Invested in My 20s ## Метаданные - **Канал:** Varun Mayya - **YouTube:** https://www.youtube.com/watch?v=ZEN6TeNipZ8 - **Дата:** 27.06.2022 - **Длительность:** 9:02 - **Просмотры:** 24,319 - **Источник:** https://ekstraktznaniy.ru/video/12631 ## Описание These are my top 3 favorite investments, why I invest in them, and how you could get started doing something similar, as well - enjoy! Link for All weather investing: https://link.smallcase.com/wZ3432BaSqb ## Транскрипт ### [] i've never actually told people my thought process as i invest and i've never actually gone deeper into this time and today i will so why invest money for many years of my life and i ### WHY INVEST MONEY? [0:10] know this is going to sound crazy i have actually just let a big chunk of my money lie in my savings account for the first three or four years of my career i actually just did especially when i was freelancing i was so focused on freelancing and so focused on doing that well that i said i don't need to worry about what happens to the money sitting in the bank account i can just make more money and even today i believe that but i believe in also investing i believe it's not mutually exclusive but that time i had to focus i had to get better at the skill i didn't have too much free time on my hands and to be honest there weren't finance influencers back then to influence me to save now the main reason to convert money sitting in your savings account into some asset is because over the long run your wealth keeps getting eroded every year thanks to inflation your money is worth lesser and less over the last decade i've also learned that creating wealth is not just about making money it's also about saving and preserving that well so without much further ado this is how i invest my money now number one and this is going to be super controversial ### MONEY IN FDS [1:16] advice i actually leave a decent chunk of my money in fixed deposits now i know what you're thinking you might say fixed deposits borrowing they're stupid they don't work they have such a low rate of return you're insane sure but you guys have only seen a bull run for the last two years remember i've been around for almost a decade more than that in fact and i've seen my share of bull and bear runs and in times like that especially in times of recession instead of just leaving your money in hard cold cash it is better to put that money in an fd secondly and this is a nuance of how i save my money you might be comparing the stock market or any other asset with the fd i'm comparing the fd to just leaving that money in my savings account right the ft is almost always better now i know there might be some 18 19 year old traders who are going to talk about how they made 30 or 40 percent uh actually sitting down in day trading let me tell you one thing in a bull run everyone looks like a genius you can make three bad moves or ten bad moves and still end up making more money than usual because the stock market is just irrational less than one percent of traders will make more than bank fds this is a quote from nikhil kamath who runs zeroda which is one of the largest exchanges in india now these days i just cleared up any money that's sitting in my savings account just put in an fd or park into an fd quickly mainly because any excess cash that i have i will end up spending obviously secondly i might not always have time because i'm ceo and i run a business that is wildly profitable i should be focusing my time and energy there and on youtube where i'm building distribution in between these two and the number of people involved in both these enterprises it gets hard for me to immediately pick what stock i want to put money in because of this lack of time fds which provide a better return and the fact that free cash will erode at a much higher rate than fds i always clear them and put them into fds even though a lot of people believe this is not good advice it is good advice for me and i've seen it work well over the last few years except maybe in the last one or two years when there's been a bull run where obviously the other assets are better and i will also tell you how i invest in the other assets so it's not that if i do fds i do only fds i have a diversified portfolio i put money in fds and i also put money in other assets now you're right for a long term investor like me in a good market fds have not that great return so what i do in good markets is to try and shift money out of the fds that's why i have low terms i try to shift that money over the stock market and the way i do it is not to ### SHIFT MONEY FROM FD TO STOCK MARKET INDIRECTLY [3:48] invest directly i do not have the time on a daily basis to be able to open my portfolio and see how much has gone up down redistribute that money i'm not that kind of person right i prefer to build things that people love and make money when they love that thing and pay me for it so what i do is i actually invest through small case i think less like a trader and more like a long term investor i try to diversify my inputs and hope that one of the outcomes does well if not multiple if you've read the book psychology of money you'll realize that even though in moments instances when markets crash you might be bleeding and seeing red if you take a very long term horizon these are small instances but if you have paper hands and you sell as soon as you think the market's crashing and then you re-buy you're just wasting your time and also eroding wealth however if you play for the long term if you truly believed in the fundamentals of the business and the fact that the internet will one day boom then it's easier for you to stay with your money inside i believe it's a feature not a bug that i don't sit and like open my portfolio a thousand times a day and try to rejig what my portfolio is i'm more likely to buy near-term stocks rather than something i believe in the long term so the way i invest is that most of my investments are made through small case i diversify into stock debt and gold portfolios the instrument i use is small cases all weather investing it's a great instrument for me personally and it's an instrument with the least risk and still reasonably high rewards it performs great in all markets crash or no crash awi has you sorted and i like the fact that there are some people who are there at the moment even though i could be busy and not have the time to re shuffle my portfolio there are people there who are dedicated to make sure i don't lose money right they're trying their best to make sure hey this is crashing maybe we should shift it around maybe there's a macro economic trend that just makes gold useless tomorrow there are people that will see that data and move this around long term the product generates equity like returns for me while dramatically reducing volatility sort of has been a smooth well generation journey more importantly small case offers instant liquidity unlike fds which means that i can invest and redeem my money almost instantaneously i also started with small case fairly cheap it was much less expensive than alternatives and i began awi at a very low ticket and over the months and years grew confidence in its offering only then did i start shoving in more and more money small case has created an incredible algorithm that actually intelligently allocates funds to stocks gold and other assets it's been through its battles ups and downs and i kind of trusted at this point which is why i'm just going to leave my money there now as always do your own research in this video i want ### DO YOUR OWN RESEARCH THIS IS HOW I INVEST MY MONEY [6:29] to talk about how i invest my money but do your own research before use any product and make sure you've put some thought into where you're parking your capital so finally a little less than 10 of my asset pool is crypto now i know what that looks like it's like hey varun you've done very safe you've done safe and then you've done the crazy right like crypto uh for a long time i didn't even invest in like bitcoin or ethereum even though i have exposure to both uh i was just all over the place right i was like i'll try this nft i'll do this crazy project i'll see how this goes um but over the years i've learned that crypto hasn't been wrong for that long at least bull run of crypto hasn't been along for that long i've been invested in crypto since 2014 and at this point i just have an sip in bitcoin and ethereum i invest a little bit every month and i just believe in the long-term fundamentals it's the same thing i told you with regards to amazon right like if you truly believe in the fundamentals of something and are willing to wait a very long time then you should by all means just keep putting your money there and not look at it again this is how i do it you should not do it this is obviously the riskiest asset class that's why all my money is not in there like for some reason kids these days are like either all your money goes there or you guys don't have that ability to say okay i will do a little bit of each it's crazy times but that's going to change soon now the reason i invested in a lot of nfts especially early on is to find out what that market's like to find out if there are technological advancements there to find out am i missing something a little bit of fomo as well but at this point i realized that at least in the early days there were some good projects today it's like mostly crap i just stay with the top two coins maybe i will move exposure to top three or four coins soon maybe i'm light at this point on the belief in utility of crypto but i do see their value as a payment processor and a value as a hedge to the dollar so i will continue to stay invested for very different reasons than other people invest in crypto which is to make 1000x their money i know this is going to sound strange but that's about it i will have some real estate exposure soon um but i guess you know it's not something that i'm going to be buying to be selling it's a house like i want to make sure i have a house so that i can stay there for a long long time i'm always long term on these things where i think shorter term is my approach to projects my approach to actually building cool stuff but with finances i think longer term that's it for me bye you