Stock Exchange Investing is fun, but never ever go overboard and one thing that I consider given however possibly you do not know it is to never invest the money you require!
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My 5 Core Stock Market Investing Beliefs.
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Your soft-skills and mindset videos are hands down my favorites and where I think you have a unique perspective on YouTube because I always learn something new or have old lessons reinforced.
Soft-skills?
Wow, thank you!
@Mike T You’ve never heard of soft skills? They’re often the most important. Unless you’re a robot.
@L P I will look it up. No clue
@Mike T Awesome. The investing world can be very left-brain and chauvinistic, so leaning the other way will serve you in life.
Sven I am 25 and I started working at 24 so I have very little savings but I started investing a 40% of my salary every month, due to the fact that I move from one city to another. I see investing as a way to build wealth and then pay my home mortgage with dividends
great to hear! go for it!
I’m investing only the money, that I am ready to completely loose, without this damaging my lifestyle.
Thanks Sven. This is probably one of the most important videos you have done on investing. Why?
I’ve done ok out of investing and am fortunate to have no money worries. To get to that point involved realising my luck outweighed my stupidity and by asking myself the following questions:
Do I owe anyone money? Can I pay them back? Will I be OK if I lose my job? At what age can I retire? Can I afford x or y? Etc etc. These are the type of questions you need to ask. The rest is just noise. When you can answer them, you will realise you are investing but you don’t really need the money! Sounds counterintuitive
Some guys could talk the hind legs off a donkey about football and who is the best goal scorer. I like to do the same about metals prices and inflation. That doesn’t mean they are important, even to me, or that you should bother listening
Good one – for a follow up you can make a video about “should I invest if I have loan repayments every month” 🙂 For most clicks – “buy or rent your house, that old chestnut”
One small exception is medium term savings in a 1 year euro bond, technically this is an investment.
Which bonds exactly are those? Didnt they have negative yield i nthe recent past i.e. you were losing money by holding them?
Hi Sven. Very good content again!
I’d have a question. Peter Lynch in his book and you in your older videos both mention to buy a house first, before you start investing.
Many of the younger people face the problem, we need to save for 8-10 years until we’re able to make a down payment on a house.
Wouldn’t be better to invest the money, instead of waiting 8-10 years and leaving the money untouched on a savings account? That money does nothing and we lose a part of it every year due to inflation.
What’s your opinion?
Thats a tricky question because we do not know how smart you are as an investor!! Its better to invest if You are smart, but most people are not that good in investing, especially with a modest timeframe of 8-10 Years time is not on Your side.
Move somewhere, where you can save money faster.
Sven, but what about those who live from dividends? Those who live with 4% rule etc
I am investing only for the reason one day live on dividends
You should repost this video once a month to keep this idea fresh in people’s minds.
Thank you sir for bringing common sense. 👌
I disagree, investing is not just cherry on a cake, its not just about growing money, its also about preserving it, especially in times of some types of calamities. Even stocks, just like holding that MERVAL stock index funds in Argentina during their hyperinflation, it offers at least some protection. So this is why investing if literally for everyone, who is not bankrupt and/or unemployed. Also so many people just waste their paycheck instantly on that “cake” part so to say, and they dont have any spare for investing, saving etd. With that pace they will never seen the “cherry”, they might lose the “cake” too.
I’d still have financial concerns if I was a trillionaire, that’s how I have money to invest, if I didn’t I’d blow it all.
You can never predict and control everything in life – divorce, disease, disaster or all of them can strike and force one to sell stocks even at the worst possible time. In any case, even then one with accumulated wealth is better off than someone who has never invested but spent everything and more.
Thanks for the content Sven!
“I don’t earn 100% of my salary, I just earn 70%”, that’s how its been easy for me to invest, lifestyle and spending expectative should go below that 70%, otherwise it won’t happen.
Thanks Sven. I would appreciate if you could analyze Mo-Bruk. It is a waste management company who makes money mostly in Poland. It pays a really good dividend, around 11%. Really low debt, strong margins and it grew a lot in the past years.
It diluted the shareholders for two years but it is starting to do some small buybacks. It is in a strong position since Poland need to reach the waste management standards established by the European Union. It is also one of the few company in Poland who manages certain type of waste, like medical waste. I valued the company using the Damodaran dividend discount model spreadsheet, using a growth rate in revenues of 8% for 5 years and then -3% for the stable phase. I started using a free cash flow of 113 millions and a discount rate of about 6% (1.03% Germany 10 year bond and erp of 5.08%). A ROE of 17% and a beta of 0.9, using the industry average. From my valuation, the company is worth around 1.4 billion and now is traded around 1 billion. From what I saw the did not do expensive acquisition.
I also found another interesting company which pays a 19% dividend. It is called Persimmon and it’s the second largest home builder in the UK.
Thank you once again, Sven!
You are such a responsible YouTuber. Fellow personal finance wonk here, and I wish there were more YT personalities like you. Thanks and keep up the great work!
110 percent agree with you on this point. Thank you Sven!
This is the primary problem very few people are in such a place or ever will be. A lot the people watching your video’s investments are related to their life they are trying to use the stock market to stabilize their life. Most of the profits companies have had in the past 25 years have been the result of giving their employees salaries to the stockholders
Thank you Sven, great videos!