About Money. Part 1. How to save?

About the money!

These will be the two most important posts of the year. I recommend everyone to read them.

Times are not quiet right now, especially for investments. The crisis is on its way. Many things are changing in the markets. Some are leaving, some are taking their place. Some go bankrupt, some make fabulous profits. I'm not saying that these times are "bad" or "good. For some, it is tragically terrible. People are losing everything they earned before. And for others, the current time gives a good start to future growth. They will make 60% to 70% annually over the next decade.

Investors now face two very serious questions:

1. How not to get losses and not to lose what they have earned?

2. How to earn more, even in these turbulent times?

Today I will try to answer both of these questions.

The answer to the first question can't be given without delving into the specific situation of a particular investor. After all, what you have earned is your investment portfolio as of the current date. It can include cash, money in bank accounts, funds in brokerage accounts, funds invested in stocks, notes, bonds, etc., stakes in businesses, loans issued, precious metals purchased, real estate cars, and so on. This is your entire investment portfolio. Some have a small one, some have a large one filled with a variety of assets.

So, the question of whether you will lose or gain in the near future depends on what your portfolio is filled with. Everything is more or less clear about real estate, precious metals, cars, these assets will either be stable (in terms of inflation), or falling 15-25% (like real estate and cars), or increasing slightly by 10% +20% (like metals).

So here's what to say about the securities in your portfolio?

A portfolio of securities can play 40% either way. And how do you determine which way it will play?

From experience, I can assume that if you were buying at random. Well that's understandable, pure casino math. You lose 100%.

If you bought on the recommendation of your broker or bank manager. These guys aren't advising what will generate income for you personally. They are selling something that needs to be sold to their employer. And the motivation here is the big commission that the employer and the particular manager get. He has only a "thank you" from your profits, and he has a bonus in his pocket from the employer's profits. In fact, by stuffing your portfolio with junk, he will earn more. At any rate, more than you do.

If you have followed general market trends and hype topics. The motivation for people selling you shit tokens is exactly the same as for any hired investment manager.

If you bought the way I described, it's very likely you bought a piece of junk, which is exactly what will give you a 40% loss in the near future. Or maybe a lot more. Depending on how cluttered your portfolio is.

There is a good thing - an audit of the portfolio. It costs a couple of percent of the amount of funds in your brokerage account or by a set of specific securities. For which, you get:

A) a detailed outlook on the securities in your portfolio with targeting, time and price points. You will understand whether to sell or buy securities.

B) With the help of experts, you will be able to sell "defective" papers in the most advantageous way, and buy the most promising ones additionally.

C) Optimize your portfolio for risk and return based on current market events.

There is such a thing. Our investment partners do it.

To do it or not, everyone decides for himself. But confidence in tomorrow, in my opinion, is worth much more. At least you can be sure that you will not suffer the fate of the poor souls who lose millions in a single day. Unfortunately, there are many such examples. Do not add yourself to this sad statistic.

The question of how not to lose is solved.

And how to make money? I'll tell you in the next post.