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- Dovrei investire nell'IA?<\/li>\n\n\n\n
- Why don’t ‘real’ wealthy people teach how to make money?<\/li>\n\n\n\n
- ‘What would you rather have: a meeting with a billionaire or $500,000?<\/li>\n\n\n\n
- How should parents start saving for their child’s education abroad?<\/li>\n\n\n\n
- What are the risks behind government securities like bonds, savings certificates, etc.?<\/li>\n\n\n\n
- What is the worst financial decision many people make?<\/li>\n\n\n\n
- Does having a lot of money always mean more problems for a person?<\/li>\n<\/ul>\n\n\n\n
Se volete che risponda a qualche domanda su Quora o YouTube, o se state cercando di investire, non esitate a contattatemi<\/a>, e-mail (advice@adamfayed.com) o utilizzare la funzione WhatsApp qui sotto.<\/p>\n\n\n\n
Alcuni dei link e dei video a cui si fa riferimento potrebbero essere disponibili solo nelle risposte originali.<\/p>\n\n\n\n
<\/a><\/p>\n\n\n\n
Dovrei investire nell'IA?<\/strong><\/h2>\n\n\n\n
It is a question many people are asking with the rise of ChatGpt:<\/p>\n\n\n\n
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Technology is the future. It always has been in many ways, as it allows companies to do more with less.<\/p>\n\n\n\n
The Nasdaq has beaten the S&P500, Dow Jones and MSCI World long-term. It is just more volatile.<\/p>\n\n\n\n
However, remember what happened to tech stocks in the late 1990s?<\/p>\n\n\n\n
Most went bust, because they weren\u2019t profitable, even if they had great products and technology.<\/p>\n\n\n\n
More recently, Cathy Wood\u2019s fund has tanked, for the same reason.<\/p>\n\n\n\n
As this graph from the Insider shows, the S&P500 quickly caught up with its performance. Since this graph was made, it has more than caught up.<\/p>\n\n\n\n
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The biggest risk you face with AI investing is that a few companies might gobble up the whole market – a \u201cwinner takes all\u201d situation which often happens in technology.<\/p>\n\n\n\n
What is more, it isn\u2019t easy to pick future winners in advance. Some are saying Google will be the big winner, and others are saying AI will kill Google search.<\/p>\n\n\n\n
That is similar to the 1990s\/2000s when Yahoo was almost destroyed by Google, and few saw it coming.<\/p>\n\n\n\n
Therefore, if you really want to invest in this sector, it is important to have broad-based diversification via a fund or ETF.<\/p>\n\n\n\n
That eliminates the risk of unprofitable companies that have great technology going bust.<\/p>\n\n\n\n
<\/a><\/p>\n\n\n\n
Why don’t ‘real’ wealthy people teach how to make money?<\/strong><\/h2>\n\n\n\n
Well they do\u2026\u2026.all the time.<\/p>\n\n\n\n
This man probably has enough free content alone where you could watch him for a whole year\u2026..<\/p>\n\n\n\n
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What is true is most super wealthy people won\u2019t coach you directly, unless they got rich by coaching + motivational talks and scaling that as a business, such as Tony Robbins.<\/p>\n\n\n\n
That is because they can earn more money from doing other things.<\/p>\n\n\n\n
Some billionaires and especially multi-millionaires who are worth hundreds of millions do provide consulting services but the fees are massive, so it isn\u2019t for the mass market.<\/p>\n\n\n\n
Why would somebody who is already worth a lot charge $50-$100 an hour to coach somebody, when they can make more from a primary business or only coach the ultra wealthy?<\/p>\n\n\n\n
But free advice? It is everywhere.<\/p>\n\n\n\n
<\/a><\/p>\n\n\n\n
‘What would you rather have: a meeting with a billionaire or $500,000?<\/strong><\/h2>\n\n\n\n
The $500,000 would make sense because of what I could do with that money.<\/p>\n\n\n\n
$500,000 could become multimillions if invested correctly into non-speculative investments.<\/p>\n\n\n\n
So, indirectly, the choice is between meeting a billionaire and $3m-$10m, or more, depending on your age.<\/p>\n\n\n\n
With that eventual figure of $3m-$10m, you could generate a safe income of at least $90,000-$300,000 a year, or accumulate it further before taking an income.<\/p>\n\n\n\n
With that being said, it depends why you want to meet the billionaire.<\/p>\n\n\n\n
If you could meet the billionaire AND get a celebrity endorsement for your business, then that could be a good investment.<\/p>\n\n\n\n
Likewise, if you could record the meeting and use it for marketing, that might also become a good investment, if you are an entrepreneur.<\/p>\n\n\n\n
What is more, as per this image from Market Watch, lunch with some billionaires costs millions:<\/p>\n\n\n\n
<\/figure>\n\n\n\n
Some people must think that is good value.<\/p>\n\n\n\n
So, it depends if you are meeting them for vanity or for getting a good return on investment on your money.<\/p>\n\n\n\n
<\/a><\/p>\n\n\n\n
How should parents start saving for their child’s education abroad?<\/strong><\/h2>\n\n\n\n
This graph from the Virtual Capitalist shows the cost of university education in the US:<\/p>\n\n\n\n
<\/figure>\n\n\n\n
If we look at the UK, the graph would be less extreme, but would still show a big rise.<\/p>\n\n\n\n
What is more, the USD has strengthened against most currencies, especially in the emerging market world.<\/p>\n\n\n\n
Therefore, the first two things I would do is:<\/strong><\/p>\n\n\n\n
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- Work out how much you would need today if your child was beginning their course. That should include all costs and not just tuition.<\/li>\n\n\n\n
- Then, assume that the cost will at least double before your child goes to university, and that your local currency will weaken.<\/li>\n<\/ul>\n\n\n\n
After doing that, you at least have something to work on.<\/p>\n\n\n\n
Based on those figures, it makes sense to start investing in productive assets, in the currency that you will eventually need.<\/p>\n\n\n\n
So, if you plan to send your kids to the US, invest in a USD plan.<\/p>\n\n\n\n
At least doing it this way, any sharp devaluation close to the date where your kid is due to attend university, won\u2019t affect you.<\/p>\n\n\n\n
I would also<\/strong><\/p>\n\n\n\n
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- Check out scholarships but don\u2019t rely on them<\/li>\n\n\n\n
- Work with an advisor who has helped others in this situation before<\/li>\n\n\n\n
- Check out any tax-efficient schemes<\/li>\n\n\n\n
- Consider whether putting assets in the children\u2019s name can sometimes make sense.<\/li>\n<\/ul>\n\n\n\n
<\/a><\/p>\n\n\n\n
What are the risks behind government securities like bonds, savings certificates, etc.?<\/strong><\/h2>\n\n\n\n
I principali sono:<\/p>\n\n\n\n
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- Inflation being higher than the interest rates being offered<\/li>\n\n\n\n
- Currency falls and collapse.<\/li>\n\n\n\n
- Interest rates going up and pushing down the price, like what happened last year<\/li>\n\n\n\n
- A relative risk of losing more than going in stocks\/equities, which outperform long-term<\/li>\n<\/ul>\n\n\n\n
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