Billionaire Investor Howard Marks on Ownership vs. Debt | At Barron's

[@fredduncan1610]

His analogy of the difference between investing in stocks and bonds was the best I’ve ever heard.

[@miscellaneous714]

Agreed. It was a fantastic analogy

[@Erikkurilla01]

One lesson I've learned from millionaires is to always put your money to work, no matter how small. Even investing €200 per month can compound to tremendous wealth over decades. The key is to keep going!!

[@jessicasquire]

This is definitely considerable! think you could suggest any cfa I can get on the phone with? l'm in dire need of proper portfolio allocation.

[@MagdaleneM-f3q]

I've stuck with ''Julianne Iwersen Niemann" for some years now, and her performance has been consistently impressive. She's quite known in her field, look her up.

[@JIN-u6t3t]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks.!

[@JosephGodwill9h]

Investments are the roots of financial security; the deeper they grow, the stronger your future will be."

[@SebastianNoah5e]

The deeper your investment roots, the stronger your financial security will be in the future.

[@JamesOliverr7s]

Exactly! With my adviser, I’ve cultivated deep investment roots, strengthening my financial security for the future.

[@DanielNoahD3w]

I would love an introduction to an adviser who can help me strengthen my financial roots.

[@JamesOliverr7s]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.

[@DanielNoahD3w]

Thank you for this amazing tip. I just looked the name up and wrote her.

[@MaxWell-pp9zs]

I'm new to investing and trying to make sense of all the conflicting advice on asset allocation. On one hand, ETFs and index funds seem like a safe bet because they offer broad diversification and lower risk. On the other hand, some argue that individual stocks, if chosen wisely, can potentially provide much higher returns. I understand both options have their trade-offs, but I'm struggling to figure out which strategy makes the most sense for someone starting out who also wants room for growth

[@Joe900-px3nt]

I’m nearing retirement myself and was feeling the same uncertainty. I got a later start on investing, so depending solely on ETF growth just wasn’t making the impact I needed. Working with a financial advisor, though, changed a lot for me. I restructured my investments, and now, I’m confidently on track for a $5 million retirement. I honestly don’t think I’d have this kind of peace of mind without that advice

[@MaxWell-pp9zs]

@@Joe900-px3nt I’m in a similar boat, trying to figure out the best approach for my portfolio. How did you find your advisor?

[@Joe900-px3nt]

I usually steer clear of recommending specific people because financial needs are unique. But I can say that working with Emily Ava Milligan has made a world of difference for me. It might be worth exploring to see if her approach resonates with you

[@MaxWell-pp9zs]

Thanks for that. I did a quick search and found her page. I was able to email so I sent over a few questions to get more info, Her responses helped me understand a lot of things I hadn’t considered before, I appreciate you sharing. it’s given me more clarity about what steps I need to take next

[@fahadahsan]

I GUESS< strategy is somethig that you need to devise with time, you start firing pistol shot for few years make mistakes , lose some, gain some and keep devising your own Strategy... INVESTMENT IS VERY PERSONALISE SKILL... as it says.. SPEND TIME IN THE MARKET

[@landi2244]

This man is a legend. Thank you for posting this.

[@larryronhartfield55]

It’s always advisable to Invest judiciously, keep a stop loss figure. Shuffle between debt and equity wherever the ratio goes too off your target. As for the target I use an FA who recommends a Ratio like this Debt % should be equal to your age in years. If you are 20, debt is 20%, reset in equity. If the market falls or rises drastically, your debt % will change, which you should rebalance to 20% and bring back equity to 80%. Thus you would have bought low or booked profit depending on if it was a crash or a bull run. Used this to build a 7 figure portfolio.

[@soveinaaraceli]

I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

[@NamsaAlcantar]

i feel i've downplayed the role of FAs .Think you could suggest any pros i can get on the phone with? I'm in dire need of proper portfolio allocation.

[@larryronhartfield55]

@@NamsaAlcantar Susan Kay Mack is one of the great ones, aggressive with her buys while at the same time careful which is a great factor for me. browse you'd find her

[@AurucciLou]

I had to Google to be sure, great resume she has.

[@jeffmilligan7030]

Howard Marks is a superlatively intelligent and articulate man. What an interesting and informative video!

[@haiyuhuang239]

Thank you for inviting Howard Marks! I am falling in love with this series. Please keep it going!

[@Barrons]

Glad you enjoy it!

[@tatianastarcic]

Since the debt crisis could unleash carnage on the stock market leading to economic downturns. We need to be prepared for potential market volatility. how can I secure my $80K stock portfolio against declining?

[@JohnSmith060]

It's a good idea to seek advice at the moment, unless you're an expert yourself. As someone who runs a service business and sells products on eBay, I can tell you that the economy is struggling and many people are struggling financially.

[@KarenLavia]

you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited $560k in 2023 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.

[@ChristianKelv]

How can I reach this advisor of yours? because I'm seeking for a more effective investment approach on my savings

[@KarenLavia]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@BellamyGriffin19]

I just looked her up on the internet and found her webpage with her credentials. I wrote her an outlining my financial objectives and planned a call with her.

[@jasonjosephlee]

I'll remember this one: "Its not what you buy, it's what you pay". Howard Marks, has a way of explaining things different than most people, I like how he talks about Bitcoin on it not having any intrinsic value in other interviews I've seen.

[@fabio.1]

👍

[@DonaldMark-ne7se]

Invest judiciously, keep a stop loss figure. Shuffle between debt and equity wherever the ratio goes too off your target. As for the target, I recommend a Ratio like this Debt % should be equal to your age in years. If you are 20, debt is 20%, reset in equity. If the market falls or rises drastically, your debt % will change, which you should rebalance to 20% and bring back equity to 80%. Thus you would have bought low or booked profit depending on if it was a crash or a bull run.

[@Jamessmith-12]

Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life because I invested early ahead this time .

[@kevinmarten]

I totally agree; I am 66 years old, recently retired, with approximately $1.2 million in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, I didn't do all this alone, but with the help of a financial advisor. Having one is currently the best way to trade in the stock market, especially for people nearing retirement.

[@JacquelinePerrira]

Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.

[@kevinmarten]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@JacquelinePerrira]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

[@OwpunRiplys]

Well, not only do I own nada, I am also in a lot of bad debt, tried investing to claw my way out, but dug deeper into the debt hole. I need help

[@AlbertiniCaputi]

Agreed, I'm in line with having an advisor oversee my day-to-day investing because my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio is well-diversified and has just 5X'd in 5 years, summing up nearly $2.7M as of today.

[@AlbertoAlejandro-g1e]

@@AlbertiniCaputi This is huge! Your advisor must be grade A. Mind sharing more info, please? I'm in dire need of proper asset allocation.

[@AlbertiniCaputi]

Personally, I take guidance from a well-spoken advisor, ''Sophia Verdekal O'neal.'' She's quite known in her field of work with over two decades of experience.

[@marlene_orja]

Thanks for the lead! Just searched Sophia by her full name on the internet, spotted her consulting page, and was able to schedule a call session no sweat. She is very professional.

[@vincentlam4107]

ALERT BIG SCAM!!!

[@Lisa-w4u]

I'm a 42-year-old QA Specialist at Confluera, with an annual income of $150,000. Although I do have a retirement account, I'm keen on exploring short-term investment opportunities as I prepare to shift to part-time work in the near future. What would be the most suitable strategy to achieve my goals?

[@PMackenzie-vw3wb]

Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. that's why seeking expert advice is essential.

[@Mosley-vu7ff]

Yeah, brokerage AdvisoRs could make a lot of difference. Bloomberg and other finance media have been recording cases of investors raking in 6 to 7 digits in a space of months. So, I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and the least I returned was $140k ROI, and this does not include capital gain.

[@Evelina-v3u]

I really want to get in with a financial advisor this year, especially as all markets are hitting lows. I don't want to be too optimistic and end up losing everything.

[@Mosley-vu7ff]

I don't know if I am permitted to go into details here, but mine is Jenienne Miniter Fagan and you could also look her up though I'm not so sure she's taking on new people atm.

[@Aron-r3m]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@DonRua]

Insightful, relevant, humble ... and funny

[@qatari5898700]

Very gentle and respectful man

[@MargieButz]

As a new investor, it's important to remember that investing and trading require more than just technical analysis skills. Discipline and emotional maturity play a significant role in achieving success. It's wise to keep in mind the adage of "time in the market vs. timing the market," as this mentality can help you weather market volatility. With insights of Harry’s Dent and my commitment to learning and growth, I've been increasing my earnings in just a few months. Keep up the good work..

[@RichardFerreira-e8d]

I've followed many traders over the years, but none have been as consistently accurate as Harry’s Dent.. he's truly in an inspiration to us all.

[@Peters56-k7r]

Ever since I started following Harry’s strategies, my trading game has elevated to new heights. Truly a mastermind in the trading world.

[@ikraamkhan1327]

I read about him too on the website, I was able to connect with him Thanks for putting this down here.

[@AnthonyL.Stanton]

I have also traded for sometime with Dent. he is very insightful and understanding. he is also a patient teacher

[@chienhuynh4109]

They are lots of threads here on KZbin talking about trader’s but rest assured I find Harry’s Dent to be legit, this is my fifth trade with him.

[@ffeeeth]

When interest rates are too low, businesses are not making “meaningful” products or services for the society. It becomes creating for the sake of creating and making for the sake of making.

[@MessiRite]

$10k is no longer enough to retire even in a LCOL area. Should definitely start expanding our horizons... !!how can i get a good trade to increase my money to 1MM$

[@ForLove-j3w]

The market will always undergo changes and various challenges, so if you want fo reach your goals of $1Million, you have to be really focused and do your due diligence. Also having a financial consultant can be

[@ManRafel]

😇Great stuff ! I'm a retired sales retailer, I started investing last year as a beginner before giving stock market a trial. I was able to make $121,500 in one month with a capital of $18,000 trading with an experience expert who guided me through out my trading.

[@verria709-m1n]

It's important to have a well-thought-out strategy and not make impulsive moves based on short-term market fluctuations. Patience and a long-term perspective are key. You should consider a market expert to guide you

[@MessiRite]

Good to hear such, But getting one is easier said than cone. If its not too much to ask, do you know any legit ones?

[@ManRafel]

I'm thrilled at the prospect of learning from a coach like Adriana Katherine

[@reynoldslacybrleroymeuschke]

I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $2m+ before retirement.

[@AnastasiaAngelinaPetrova]

As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Kristine Lynn Weber is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@SandrineKouassir]

I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Kristine Lynn Weber, for her expertise and exposure to different areas of the market..

[@AnastasiaAngelinaPetrova]

I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work.. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.

[@SandrineKouassir]

Without a doubt! Kristine Lynn Weber is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience..

[@reynoldslacybrleroymeuschke]

how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally.. What's your take on this approach? and How can i reach her, if you don't mind me asking?

[@VasudevaNaidu]

excellent speaker with nice vocabulary

[@achisq]

So should we buy mutual funds monthly in our retirement portfolio? If you own an s and p index fund that returns 10% p.a that you buy into it monthly does that mean that you are always going to be buying high?

[@radigeorgiev9662]

I dont know when this interview was conducted, but the SP500 PE is again over 30, not 22.

[@Barbara-k3x9j]

I'm new to investing, and l've lost a good sum trying out strategies I found in online tutorials. I would sincerely appreciate any recommendations you have

[@Martensalberto]

As a beginner, it's essential for you to have a pro or a very good trader to keep you accountable.

[@Martensalberto]

If you can, then get a professional to trade for you I think that way your assets are more secure.

[@Martensalberto]

Someone like expert viola patterson

[@Zeus-q9d]

The first step to successful investment is figuring your goals and risk tolerance either on your own or with the help of a financial professional but it's very advisable you make use of professional

[@DavidCurvin-p2q]

This is correct, viola strategy has normalized winning trades for me also and it's a huge milestone for me looking back to how it all started.

[@LurchLures]

Numbers can be generated other than just volatility. For example percentage of bankruptcy per year. Or percentage of bond default per year. Often even non exact numbers are better than no number at all when it comes to decision making.

[@Mlanderos-t9e]

The stock market is definitely picking up pace right now, but I still think investors should be careful at this time. I'm actually a newbie in this space, so I'm open to hearing other investors' take on this.

[@Raniyanhunter]

I think the market is likely at its best now, but I still believe having a financial advisor is crucial to navigate the market and moderate your risk. Their expertise can really help you make informed decisions.

[@lebucheron9815]

Last time he was in the media it was when the market had fell a lot and he was saying that he isn't yet buying anything, that when the time would come to buy, we would know because he would be buying. Does anyone know if he bought anything? Or did he pass because no asset fell enough to interest him?

[@andreamougou9237]

Insightful!

[@Coreyrob.]

I lost over $70K when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I find one source to recover my money, at least $9k profits weekly. Thanks so much Mrs Angie Owens

[@WelfareDepartment-xy2db]

I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week...

[@christianwalbank113]

Angie Owens strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started

[@christiancash9145]

You trade with Angie Owens too? Wow that woman has been a blessing to me and my family.

[@GeorgeCrane-v8b]

Please let me know how to contact her as I'm new to this.

[@marcellorsicialina6199]

I was skeptical at first until I decided to try. It’s huge returns is awesome! I can’t say much.

[@JOSECROSS-tt2mq]

I feel one Of the greatest challenges that we first timers face in the ma rket is that we end up losing all we have, we find it difficult to find ourselves back to our feet. Big thanks to Jasmine Querida. I now make huge profits through her services while still learning to stand on my own

[@PeterJoshua-zm2fo]

I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment but or advisors with

[@dmlexpress9600]

I’m new at this, how can I reach her?

[@annddyyy-6920]

Gram with her username

[@annddyyy-6920]

Queridafx, that’s it.

[@annddyyy-6920]

On Nicegram.

[@Mark-ez2vw]

Digital silver in a digital age, litecoin is a digital precious metal, not a security. Litecoin is the oldest coin on the market after bitcoin, since its inception in 2011. The scarcity of litecoin is the key feature of its technology. Everyone tends to flock to digital silver and digital gold, litecoin, and bitcoin, when things aren't going well. Litecoin is a decentralized digital commodity, just like bitcoin, but not even close so heavily concentrated in a few hands like bitcoin is. Both have Proof-of-Work consensus, and both have a limited supply of coins. Only that litecoin is lighter, swifter, and hugely undervalued against bitcoin. Litecoin (LTC) being a digital commodity provides a decent inflation hedge as well because there will be mined only a limited number of 84 million litecoins in total.

[@Gracejay-d2e]

how Can someone know the right approach to investing and making good profits from cryptocurrency investments?

[@FaithJay-d9n]

As a beginner investor, it’s essential for you to have a mentor to keep you accountable. well crypto market is really taking off and Bitcoin is in good shape to start trading now

[@limaken]

thanks to my CFA Hit 270k today. Appreciate you for all the knowledge and nuggets you had thrown my way over the last months. Started with 29k in August 2024.

[@JohnBeen-r3v]

I've been looking to switch, but have been kind of relaxed about it. Could you recommend your wealth manager? I'll be happy to use some help.

[@Evelyn32423]

I'm interested in the best investment opportunities now and planning to invest $250K , but I’ve noticed that opinions often don’t pan out as expected, with stocks always taking unexpected turns.

[@Thomas43211]

There are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience

[@Theodore3241]

Agreed, despite my rookie knowledge of investing, I have a financial advisor who did the trick in a bit more than 6 months after a lump sum capital of $500k, and I've so far made a fortune. I'm now buying real estates, gold and silver as advised by my FA.

[@Hudson367]

I could really use the expertise of this advsors

[@Theodore3241]

Her name is Aileen Gertrude Tippy‘. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@Hudson367]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@MichaelMyers_ioi]

Godbless

[@Baldwin321]

AI stocks will dominate 2025. Why I prefer NVIDIA is that they are better placed to maintain long term growth potential, and provide a platform for other AI companies. I know someone who has made more than 200% from NVIDIA. I'll also take these other recommendations you made.

[@Charles43217]

I agree, just because the market presents opportunities doesn't mean we should rush in headfirst. For this reason, we should look for appropriate market analysis or guidance or, alternatively, seek advice from certified market strategists.

[@Thomas43211]

No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q1 2025.

[@Alden457]

Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.

[@Thomas43211]

‘’Aileen Gertrude Tippy’’ .. has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.

[@Alden457]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@alexeigleizer2225]

Well if you look at trump mania then you can definitely see euphoria and people loosing their minds, so need to figure out how that will translate into financial markets

[@NianLisa]

Thank you for your video mate, Trump won the election… you know,.. I can’t recommend Evelyn Infurna enough! When I first approached her, I was overwhelmed about retirement planning…Thanks to her guidance, I was able to restructure my investments and focus on high-yield options. Within just a year, my retirement fund grew by 55%!

[@NianLisa]

Use her name to quickly conduct an internet search.

[@NianLisa]

SHE’S MOSTLY ON TELEGRAMS APPS WITH THE BELOW NAME.

[@NianLisa]

Infurnaevely1 she’s verified

[@DavidMartins-y1c]

I know this lady you just mentioned. Evelyn Infurna Services is a portfolio manager and investment advisor. She gained recognition as a former employee at Goldman Sachs; a renowned investor she is. Evelyn Infurna has demonstrated expertise in investment strategies n has been involved in managing portfolios and providing guidance to clients.

[@SandraElliot21]

I went from no money to lnvest with to busting my A** off on Uber eats for four months to raise about $20k to start trading with Evelyn Infurna. I am at $128k right now and LOVING that you have to bring this up here

[@jsisjsjix]

bring me stephen schwarzman, bill ackman, ray dalio and jamie dimon!

[@FRL2000]

Booooring

[@gregoryswanepoel6328]

Useless and boring

[@charlesjohnson4442]

Great Howard! I shall issue my own credit cards to individuals in need of a little cash. People invest in stocks because they want OWNERSHIP (a piece of it anyway). You are boring lately...a one hit wonder right now.

[@TM-yr3pc]

Voice sounds like Michael Douglas in WallStreet…🫣

[@benjamindavidson22]

Invest judiciously, keep a stop loss figure. Shuffle between debt and equity wherever the ratio goes too off your target. As for the target, I recommend a Ratio like this Debt % should be equal to your age in years. If you are 20, debt is 20%, reset in equity. If the market falls or rises drastically, your debt % will change, which you should rebalance to 20% and bring back equity to 80%. Thus you would have bought low or booked profit depending on if it was a crash or a bull run.

[@scottarmstrong11]

Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.

[@monicawill5]

I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.

[@Johnlarry12]

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

[@monicawill5]

I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with Carol Vivian Constable for years and highly recommend her. Look her up to see if she meets your criteria.

[@Johnlarry12]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.