# 4 consejos clave para invertir tu dinero sabiamente y prosperar

## Метаданные

- **Канал:** Trabajar Desde Casa
- **YouTube:** https://www.youtube.com/watch?v=FRsv6h2kZh0

## Содержание

### [0:00](https://www.youtube.com/watch?v=FRsv6h2kZh0) Segment 1 (00:00 - 05:00)

Greetings to the entire work- from-home community, welcome to another video. If most people had to define the cause of many investors' success in a single word, it would undoubtedly be luck. And it's true, everything in life tends to have a small component of fortune. Anyone can have a stroke of luck and win the lottery, or anyone can make a good stock purchase now and then. But if what you're looking for is to enjoy lasting financial success, you need more than just a stroke of luck to achieve it, and I say this from personal experience. There are no shortcuts. I can say firsthand that success doesn't come by chance and that luck plays a secondary role in many cases. Sometimes, if you want to succeed in the financial arena, you must follow a different strategy, set well-defined rules, and this often means going against the grain, not following the herd. For example, Warren Buffett entrusts his money to companies that possess a lasting competitive advantage, and of course, he doesn't invest in sectors he doesn't understand. Andrei Kostolany maintains that to succeed in the stock market, you don't need to carry out many transactions, among other things, to... Generating excessive buy and sell commissions is a smarter strategy. It's better to trade less frequently and not get caught up in the noise and sensationalism of the market. Don't follow the crowd. These are just a few examples. Everyone who succeeds as an investor, everyone who has achieved financial freedom, follows patterns that have allowed them to succeed. They all share common points. The key is recognizing which patterns lead to financial success and, above all, knowing how to adapt them to your current circumstances. You should use them as a guide in your life decisions. That's why I made this video to facilitate your career as an investor. We're going to look at the four basic pillars for successful investing. Your investment style doesn't matter, nor do the assets you select. These are four pillars, four principles for anyone seeking to achieve financial freedom successfully. If you want to watch the video, I only ask that you like it, subscribe to the channel if you haven't already, and share this video on your social networks, especially with a friend who wants to prosper as much as you do. Are you ready? Let's get started. Listen carefully to four key tips for successful investing in any asset class. The wisdom of the Great investors condensed and summarized in four vital points. Let's start with the first one, and the first piece of advice is very clear: don't lose. The first question that all great investors constantly ask themselves is, "How can I avoid losing money? " And I know it may sound contradictory, since most people are more interested in the opposite approach: "How can I make more money? " "How can I get the highest possible return? " But let me tell you that the best investors are obsessed with avoiding losses, and why? Because they are aware of a simple but important fact: the more money we lose, the harder it will be to get back to where we started. You'll understand this immediately with an example. Imagine you have $100,000, 100,000 pesos, 100,000 euros, whatever you want, and as a result of a bad investment, you lose 50 percent of your capital. You're left with $50,000. I'll ask you a direct question: what percentage do you need to earn back to be where you started? have $100,000 in the bank again? Some people will say that if you've lost 50%, you need to earn another 50%. This is wrong. A 50 percent increase on $50,000 is $ 75,000. The correct answer is that if you lose 50%, you must gain 100% on $50,000 to get back to having $100,000 in the bank. And believe me, achieving a 100% return can take several years, even a decade. Therefore, remember, the more you lose, the more you must gain to recover. This explains Warren Buffett's famous quote about the first two rules of investing: Rule number one: never lose money; Rule number two: never forget rule number one. But in practice, how can you avoid losing money? To begin, it's important to understand that financial markets are completely unpredictable. This means we must protect ourselves from unpleasant surprises when investing. Many investors get carried away by market noise and lose a lot of money in bubbles, investing as if the stock market will rise forever, which is not the case. So, I'm going to give some tips to avoid losses, and the first tip is to use automatic stock orders. The famous stop-loss orders are orders you give to your broker to sell automatically. Automatically place your shares in case of stock market crashes with a financial asset. com broker. You have a selection of brokers that offer this type of automatic ordering; you'll find the link in the video description. The next

### [5:00](https://www.youtube.com/watch?v=FRsv6h2kZh0&t=300s) Segment 2 (05:00 - 10:00)

tip is to use derivatives, specifically options. In a video I've linked in the upper right corner, I explain in more detail what options are, but basically, they can be used as insurance in case of stock market crashes, guaranteeing a minimum price to sell your shares, thus minimizing losses. The next tip is to invest in assets with a negative correlation. These are assets that behave differently. An example is commodities, which tend to appreciate when the stock market falls and vice versa. For this reason, many investors hold a percentage of gold in their investment portfolio. Other ways to minimize losses include, if you own real estate, having multi-risk home insurance against unforeseen events, as well as non- payment insurance to avoid losing money if the tenant doesn't pay the rent. Therefore, we must focus as much as possible on minimizing losses and not listen to the siren songs that promise science fiction profits without risk. That's all in this life. It has a risk, and we must protect our capital as much as possible. The second piece of advice is to always look for asymmetric risk/reward. Popular wisdom tells us that if we want to obtain large profits, we must take large risks. Let me tell you that this is 'absolutely false'. An experienced investor looks for investment opportunities with a specific characteristic: they look for investments with asymmetric risk and reward. This is sophisticated way of saying that the rewards, the benefits, should far outweigh the risks. Always try to risk the least to gain the most possible, right? You'll understand right away with an example. We all know people who like to exceed the speed limits on roads and highways, often motivated by arriving somewhere earlier, to an appointment, for example. What they're looking for is to arrive at their destination a couple of minutes earlier, and what are they risking? Well, something very valuable: their life and the lives of others. You risk having a traffic accident just to gain two minutes. This, to me, is a terrible investment. It's about asymmetric risk and reward, but to your detriment. Risking your life to gain two minutes is a disastrous idea, and that's what you should look for in every business. The opposite is to risk as little as possible and gain as much as possible. How can you find these types of investments? Let's look at some examples. One idea, for instance, is to invest when there are sharp drops in the stock market, when shares are very devalued as a result of a stock market crash. This is a good time to pay attention to the stock market, not when it's at all-time highs. For this reason, smart investors sell when there is euphoria in the market and buy when there are stock market drops. One of the happiest days in the life of an experienced investor is when a stock market crash occurs. What do inexperienced investors do? The complete opposite. They jump on the bandwagon of highly inflated stocks with a lot of media hype and a lot of news surrounding them. By the time they want to enter, professional investors have already sold, and the share price deflates. Next piece of advice: avoid selling too soon on an asset that is profitable. Many novice investors, unlike professionals, sell at the slightest profit and yet endure huge losses hoping that the stocks will rebound. Advice: try not to sell until you have made a good profit, at least 1 to 2, 1 to 3, or 1 to 5. This means To say that if some shares cost you one dollar, don't sell them until you've earned at least two, three, or five dollars. Conversely, cut your losses as soon as possible, as we saw in the first point. Therefore, avoid symmetrical risk and reward; choose investments that have higher returns. And the third piece of advice is about tax efficiency. There's only one return that truly matters, and that's the net amount you get from each investment. The figure we use before taxes, called gross profit, can be misleading, while the net figure never lies. Your goal as an investor should always be to maximize net profit. You'll understand this immediately with an example. Imagine two properties in Spain, two houses. Okay, this is a realistic example. Both houses can be rented and cost the same. House A gives you a gross monthly profit of 900 euros. House B 1,000 euros. Ask yourself, which house would you choose? Most people would say House B because it gives more money every month, but in reality, House C gives more net profit every month, and in Spain, there's a tax credit. When renting a property as a primary residence, if you rent it as a tax residence, the tax break is 60%. You only pay tax on the remaining 40%.

### [10:00](https://www.youtube.com/watch?v=FRsv6h2kZh0&t=600s) Segment 3 (10:00 - 15:00)

Imagine you have to pay tax on a base calculated at 30%. The house would be €792 net profit. If the house is rented, for example, at the beach as a second home, there's no tax break, so you're taxed on 100% of the gross profit, which totals €700. As an investor, you would earn more than 13% per year. Obviously, this is a quick example; you would have to take into account other variables such as deductions and the legal structure of the landlord, but it perfectly illustrates the power of net profits. Here are some tips I can give you to better control your net profits: The first is to learn as much as possible about the tax implications of the assets you want to invest in, and above all, take full advantage of these benefits. The next is to value all investments based on net profit; always remember that gross profit is misleading. And the third is to hire a good tax advisor and don't hesitate to ask all your questions. They aren't expensive, I assure you. Therefore, the benefits always You have to calculate after-tax amount. The fourth very important piece of advice is diversification. In essence, this principle refers to something almost everyone knows: you shouldn't put all your eggs in one basket. But there's a big difference between knowing what to do and actually doing what you know you have to do. Look at Drake. There are four effective ways to diversify your assets. The first is to diversify by asset class. Don't put all your money in real estate, bonds, stocks, or a single asset class. You should have several asset classes in your portfolio. The next point for effective diversification is to diversify within asset classes. Avoid investing all your money in a single company, for example, specific technology company, or investing in a specific social network like Facebook. Don't have only one rental property; put all your money into a single rental property. The third very important point is to diversify across markets, countries, and currencies globally. You must understand that we live in a global economy, so don't make the mistake of investing only in your country. For example, a portfolio of euros and dollars with strong American and European companies is an example. You have different stocks and different currencies. And the fourth very important point Diversified by time frame: Combine short-term, medium-term, and long-term investments in your portfolio. For example, in the short term, invest in derivatives; in the medium term, use swing trading with defensive stocks; and in the long term, invest in real estate, shares of companies with good dividends and reputations, or precious metals like gold and silver. These are just a few examples. Diversifying your asset portfolio has many benefits, but there are three main ones you should know. The first benefit is that diversification helps you reduce risk and increase your income, and most importantly, it doesn't involve any extra costs. It's a perfect combination. Keep in mind that diversification is your insurance policy against the sharp devaluation of an asset or sector. If you focus all your capital on a specific asset and it devalues, you're lost. The third point is that diversification is important because it protects us from ourselves. If someone thinks a certain strategy works or understands it well, they can easily become one- track-minded, which leads many people to invest disproportionately in a specific area. For example, someone might bet everything on the real estate market because, as a child, they loved it. Your family did very well in that business, or you could become a gold fanatic, for example, or invest everything in a booming technology sector. The problem with all of this is that the world changes very quickly. The problem is that everything is cyclical, and what's fashionable today can become outdated tomorrow. For this reason, it's so important to diversify, even if it hurts. You must do it accordingly. These are the four keys, the four dogmas for successful investing. As you can see, they are n't magic formulas; they're pure common sense. I'll leave them on screen for a second, and before we review them, let me tell you that all the strategies we 've seen in the video—hedging, automated orders, investing in commodities—can be put into practice with a demo account at Activo Financiero Punto Com Online Broker. You have a selection of brokers, all with free and limited demo accounts so you can test your strategies without risking your capital. I'll leave the link in the video description. And now, let's quickly review number 1: avoid losses. The more your assets devalue, the more profit you need to make to recover. Cover your trades, protect yourself with automatic orders. Tip number 2: Asymmetric risk and reward. Look for odds in your favor. Limit losses and let gains run as long as possible. Tip number 3

### [15:00](https://www.youtube.com/watch?v=FRsv6h2kZh0&t=900s) Segment 4 (15:00 - 17:00)

Always look for net profit in all your investments. Value after-tax profit and hire a good tax advisor. Tip number 4: Diversify your portfolio. Do n't stick to a single asset or sector. Don't put all your eggs in one basket. Now it's your turn. Which of these four tips did you like best? Which do you think is the most important? Leave your opinion in the comments section. You know I always read all your posts. Remember that to succeed with your investments and achieve financial freedom, it's vital to know how to make money, but it's also important to know how to protect it properly. Even if you have a stroke of luck and win large sums of money in the lottery or similar games, if you do n't know how to manage your capital, you'll lose it all in a very short time. It's a fact: many lottery winners end up ruined within six years. To think that the most successful people in the field of finance have reached the top by chance or by a The idea of ​​a stroke of luck is a complete misconception. All successful investors follow certain steps and guidelines they've repeated since the beginning. They think differently and act differently; they do n't follow the herd. The four points we've seen in the video don't require special knowledge, nor do they require extra capital. They 're four common-sense tips that can be applied by investors of all levels. I just hope these tips give you that extra push you need to achieve financial freedom. This has been " Working from Home," and I'll see you in the next video. If you're not yet subscribed to the channel, I invite you to do so, and most importantly, activate the notification bell so you're the first to know when I upload a new video. According to my statistics, 70% of my audience has n't yet subscribed to "Working from Home. " If you're in that situation, what are you waiting for? Subscribe! Remember that we can stay in touch on Facebook and Instagram. We've already surpassed the 110,000 subscriber mark, so lend me a hand to reach 120,000 with "Working from Home. " Most importantly, remember the channel's motto: don't look for a job, create one.

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*Источник: https://ekstraktznaniy.ru/video/28260*