how will we consider rent increase over time?

It might be worth revisiting this now that interest rates are higher to see if the math still checks out.

Where to get access to this stock data to conduct independent research on the trends?

The most important lesson? Don't trust some slick salesman on KZbin who uses "research" to peddle his wares in the same way that an actor in a lab coat sells toothpaste.

This is so brilliantly explained. Thanks Ben.

Could you make a video with the same thought process for choosing a wife? What risk and reward factors would be most relevant? What would be a suitable time horizon to evaluate the decision over? And is it true that the quality of my decision shouldn’t be based on the quality of outcome?

Not true because your short fixed income position will have a fixed rate and your long fixed income position won't

in emerging markets, probably due to the market not being as efficient, the result would be the same, but a balance in bounds and other fixed-income options would make a difference. And of course, home county bias means the investor knows (or should know) those products. In Brazil, for example, treasuries and Bonds have a very different dynamic than those in the US. You have access to treasures and bonds that are inflation (CPI) + Bonus, Personal consumption expenditures (PCE) + bonus, or Fix-income considering 10,20,30,40 and 50 years.

Great work

Demogtmraphics will control this. Due to the boomers we have had more buyers than sellers of assets over the decades. Prices went up. As the boomers retire and sell their assets to fund their retirement, we will have much fewer buyers and more sellers. In that circumstance, either prices?

This is so quaint knowing his 2019 self had no idea what was about to happen

Gold makes sense for investors in countries like India with weaker currency. No matter where you invest on debt side in India currently, minus taxes and currency devaluation, the investments loose value over long term. Hence the gold.

Great channel

Great job

I would argue that property taxes have a residual value since they fund many services in your community. However, iterest paid on your mortgage does not have residual vale.

Thanks for doing these, extremely helpful 👍

are you human or AI generated

How good is CPP compared to other counties pension plans ? Is it as good as European ones

I don't care about grow, I want my monthly dividend to buy other ETFS, sorry, but I don't see any sense in this video.

Thanks, Ben! very informative as always. What say you about tools such as SVOL? it's not exactly covered calls (though using options against the VIX to yield around 16%), and it's total return is also great. SVOL also seem to be a kind of a different asset class, cause it targets the fear index and not stocks themselves.

I love these videos. Thanks for sharing the analysis in such a simple way

Thank you 🙏

Hang on. I was just made to watch a 2 minute ad to get to this. How long have these long non skippable ads bee going on. I'm shocked.

Of course this guy, a professional money manage who makes money by advising clients to buy and sell, hates dividends. He can make zero money off a dividend investor.

If you can buy “luxury” without putting a financial burden on. Then yes! Buy luxury.

Currency exchange cost is silent but deadly

Don't be greedy, you'll be fine in the long run.

2.7% withdrawal + 1.1% AUM averted (advisor's charge on your portfolio)

Maintenance can be postponed if you are ill or dying - that’s flexibility for you in harder life circumstances. Mortgage payments will end as soon as you pay it off. So the cost of living in a house you own can be lowered over time. You can rent out some part of your house to live off this rent, you can rent out the whole house and to have a happy life in a shed at the sea side, paying for it from this rent. You can sell your house to pay your debt or to invest the money for stable income. You are gradually gaining ownership over something that will appreciate over time - have you seen the prices? And regarding work in the house - people choose to do it themselves because of finances, or maybe they like it. But they always have a choice of hiring someone to maintain a house for them.

Maintenance can be postponed if you are ill or dying - that’s flexibility for you in harder life circumstances. Mortgage payments will end as soon as you pay it off. So the cost of living in a house you own can be lowered over time. You can rent out some part of your house to live off this rent, you can rent out the whole house and to have a happy life in a shed at the sea side, paying for it from this rent. You can sell your house to pay your debt or to invest the money for stable income. You are gradually gaining ownership over something that will appreciate over time - have you seen the prices? And regarding work in the house - people choose to do it themselves because of finances, or maybe they like it. But they always have a choice of hiring someone to maintain a house for them.

Recently, I've been pondering retirement. I've also want to put $800K into the stock market but i need an approach that will align with my risk tolerance and financial goals to secure our future

2:02

Thr distribution of outcomes only exists in your mind, there is only uncertainty. You want so desperately to think in terms of randomness, but there is no such thing as randomness

Risk just means uncertainty, there is no distribution of outcomes

If the yield curve is flat, why would holding a short duration bond reduce your expected return?

This is bad advice, holding a bond with a low yield is stupid

The concept of expected returns is basically nonsense. Which probability measure are you using to calculate this expectation?

I'd rather base my withdrawal rate on an average expectation and adjust down if things go bad. No need to assume the worst and suffer from the get go.

Hi Ben Thank you for the excellent video and comprehensive analysis! I was particularly interested in the section where you discuss the returns of US stocks between 1950-2023 and 1970-1985. Unfortunately, I couldn't find the return figures you mentioned in the sources I checked. Could you kindly share the source from which you obtained this information? I would greatly appreciate a more detailed reference or source material to review it further. Thank you in advance for your assistance, and keep up the great work! And greetings from an active follower of yours from Finland.

According to this rule, a retiree needs to save 37 times their required retirement income in order to safely stop working. This mean it is mathematically improbable that most people will be able to retire.

Are S&p 500 etfs considered risk appropriate?

Love this

If you hold static long term position in leveraged etf and there is extended sideways movement the gamma will kill you

Absolutely mental

You need to define what you mean by expected returns. If you mean a sample average then you need to say how long it takes for your sample to converge, because without knowing that.. You cannot say that volatility is not risk

How much of this is motivated by 2022?

All this acedemic finance nonsense looking at statistical tests and not the underlying structure

The fama French estimate being wrong might indicate that they didn't know what they were talking about

What do you mean by "on average"

Just googled pwl capital, so you're not really a portfolio manager in the usual sense because you dont run a fund, you're an advisor / middle man. The old skin in the game problem comes to mind