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๐—œ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜ ๐—ผ๐—ฟ ๐—น๐—ฒ๐˜ ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜?

๐—ง๐—ฒ๐—ฐ๐—ต๐—ป๐—ผ๐—น๐—ผ๐—ด๐˜† ๐˜€๐˜๐—ผ๐—ฐ๐—ธ๐˜€ ๐—ฟ๐—ฒ๐—บ๐—ฎ๐—ถ๐—ป ๐˜๐—ต๐—ฒ ๐—ณ๐—ฎ๐˜ƒ๐—ผ๐˜‚๐—ฟ๐—ถ๐˜๐—ฒ๐˜€ ๐—ผ๐—ป ๐—ช๐—ฎ๐—น๐—น ๐—ฆ๐˜๐—ฟ๐—ฒ๐—ฒ๐˜ ๐˜๐—ต๐—ถ๐˜€ ๐—ฎ๐—ณ๐˜๐—ฒ๐—ฟ๐—ป๐—ผ๐—ผ๐—ป. ๐—ง๐—ต๐—ถ๐˜€ ๐—ฐ๐—ผ๐—ป๐˜๐—ถ๐—ป๐˜‚๐—ฒ๐˜€ ๐˜๐—ต๐—ฒ ๐—ณ๐—ฟ๐—ถ๐—ฒ๐—ป๐—ฑ๐—น๐˜† ๐˜๐—ฟ๐—ฒ๐—ป๐—ฑ ๐—ณ๐—ฟ๐—ผ๐—บ ๐—™๐—ฟ๐—ถ๐—ฑ๐—ฎ๐˜†. ๐—ง๐—ต๐—ฒ $NSDQ100 ๐—ฒ๐˜…๐˜๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฑ ๐—ถ๐˜๐˜€ ๐—ด๐—ฎ๐—ถ๐—ป๐˜€, ๐˜„๐—ถ๐˜๐—ต ๐˜๐—ต๐—ฒ ๐—ก๐—ฎ๐˜€๐—ฑ๐—ฎ๐—พ ๐Ÿญ๐Ÿฌ๐Ÿฌ ๐˜€๐—ฒ๐—น๐—ฒ๐—ฐ๐˜๐—ถ๐—ผ๐—ป ๐—ถ๐—ป๐—ฑ๐—ฒ๐˜… ๐—ฒ๐˜ƒ๐—ฒ๐—ป ๐—ฟ๐—ถ๐˜€๐—ถ๐—ป๐—ด ๐˜€๐—ถ๐—ด๐—ป๐—ถ๐—ณ๐—ถ๐—ฐ๐—ฎ๐—ป๐˜๐—น๐˜† ๐—ฏ๐˜† ๐Ÿฎ.๐Ÿฎ ๐—ฝ๐—ฒ๐—ฟ ๐—ฐ๐—ฒ๐—ป๐˜. ๐—ง๐—ต๐—ฒ $DJ30, ๐—ผ๐—ป ๐˜๐—ต๐—ฒ ๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐—ต๐—ฎ๐—ป๐—ฑ, ๐—ฟ๐—ผ๐˜€๐—ฒ ๐—ผ๐—ป๐—น๐˜† ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ฏ๐˜† ๐Ÿฌ.๐Ÿฎ ๐—ฝ๐—ฒ๐—ฟ ๐—ฐ๐—ฒ๐—ป๐˜, ๐˜„๐—ต๐—ถ๐—น๐—ฒ ๐˜๐—ต๐—ฒ ๐—ฏ๐—ฟ๐—ผ๐—ฎ๐—ฑ๐—ฒ๐—ฟ $SPY, ๐˜„๐—ต๐—ถ๐—ฐ๐—ต ๐—ถ๐—ป๐—ฐ๐—น๐˜‚๐—ฑ๐—ฒ๐˜€ ๐—ฏ๐—ผ๐˜๐—ต ๐˜๐—ฒ๐—ฐ๐—ต๐—ป๐—ผ๐—น๐—ผ๐—ด๐˜† ๐˜€๐˜๐—ผ๐—ฐ๐—ธ๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—ฏ๐—น๐˜‚๐—ฒ ๐—ฐ๐—ต๐—ถ๐—ฝ๐˜€, ๐—ด๐—ฎ๐—ถ๐—ป๐—ฒ๐—ฑ ๐Ÿฌ.๐Ÿด ๐—ฝ๐—ฒ๐—ฟ ๐—ฐ๐—ฒ๐—ป๐˜. ๐—ง๐—ต๐—ฒ๐—ฟ๐—ฒ ๐˜„๐—ฎ๐˜€ ๐—ป๐—ผ ๐˜€๐—ถ๐—ด๐—ป๐—ถ๐—ณ๐—ถ๐—ฐ๐—ฎ๐—ป๐˜ ๐—ฒ๐—ฐ๐—ผ๐—ป๐—ผ๐—บ๐—ถ๐—ฐ ๐—ฑ๐—ฎ๐˜๐—ฎ ๐—ผ๐—ป ๐˜๐—ต๐—ฒ ๐—ฎ๐—ด๐—ฒ๐—ป๐—ฑ๐—ฎ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†.


๐—•๐˜‚๐˜ ๐—ฑ๐จ๐ž๐ฌ ๐ญ๐ก๐ข๐ฌ ๐ซ๐š๐ข๐ฌ๐ž ๐š๐ง๐ฒ ๐ข๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐ข๐ง ๐ฒ๐จ๐ฎ? ๐๐จ? ๐“๐ก๐š๐ญโ€™๐ฌ ๐ฐ๐ก๐ฒ ๐š ๐ช๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง ๐ˆ ๐จ๐Ÿ๐ญ๐ž๐ง ๐ ๐ž๐ญ, ๐ข๐ฌ: ๐–๐ก๐š๐ญ ๐ฌ๐ก๐จ๐ฎ๐ฅ๐ ๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ๐ฌ ๐ฅ๐จ๐จ๐ค ๐Ÿ๐จ๐ซ ๐ฐ๐ก๐ž๐ง ๐œ๐จ๐ฉ๐ฒ๐ข๐ง๐  ๐š ๐๐จ๐ฉ๐ฎ๐ฅ๐š๐ซ ๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ (๐๐ˆ)? ๐Ž๐ซ ๐ญ๐จ ๐›๐ž ๐ฆ๐จ๐ซ๐ž ๐ž๐ฑ๐š๐œ๐ญ: ๐‡๐จ๐ฐ ๐๐จ ๐ฒ๐จ๐ฎ ๐ซ๐ž๐š๐ฅ๐ฅ๐ฒ ๐ฌ๐ž๐ฉ๐š๐ซ๐š๐ญ๐ž ๐ญ๐ก๐ž ๐ฐ๐ก๐ž๐š๐ญ ๐Ÿ๐ซ๐จ๐ฆ ๐ข๐ญ๐ฌ ๐œ๐ก๐š๐Ÿ๐Ÿ?


I get it. It can be a bit much. There are lots of PIs. Everyone on this platform has undergone different training and credentials. And believe me when I say: some had no training at all. Others have had a lot of training and in the current market conditions are easily outperformed by the newcomers. As to PIs, some have more contact with their copiers, some have less. Some explain their strategy, others let (or try to let) it speak for itself.


Most people spend more time researching a car for $50,000 than they do when handing over their life savings, a study with the big wealth management offices showed. It doesnโ€™t have to be that extreme. However, your financial future matters. A reason people are behaving like that is that people build an avoidance strategy around their financial future. It is making them uncomfortable planning too far into the future. On the other hand most people like the direct reward of consumption by researching and buying the next car, bike or surfboard. Donโ€™t get me wrong - I'm not against consumption - our whole economy is designed for it and I don't live frugally. But between today's dominant consumerist and the frugalist, there is a huge spectrum that is healthy AND sustainable for the world we live in, for the environment and ones financial future.


๐€๐ฅ๐ซ๐ข๐ ๐ก๐ญ, ๐š๐ฅ๐ซ๐ข๐ ๐ก๐ญ. ๐„๐ง๐จ๐ฎ๐ ๐ก ๐Ÿ๐จ๐ซ๐ž๐ฉ๐ฅ๐š๐ฒ. ๐๐ž ๐ฌ๐ฉ๐ž๐œ๐ข๐Ÿ๐ข๐œ!

Investors should interview investment professionals just as they would a job candidate. After all, it is a job (in my opinion the best one in the world), that you give someone! Look up their credentials and their experience in the job, so you are entrusting your money with someone who can meet your needs. Check their backgrounds, aims and past performance as well as their strategy, to get an idea on how the portfolio is managed.


So which PI is right for you? First, figure out what YOU want from YOUR investment. Only then, look for a PI who can support that. Do you want the allrounder, who has the bigger picture of the whole portfolio in mind, keeping risk, volatility and fees in check, or do you want the thrill of risky investments? Keep in mind, that also these categories only display extremes. There are allrounders with more and with less volatility. Then there is the pure technical analyst or the fundamental dividend or equity investor. When you found your PI, try to stick to the plan. Give it time, to really pay off.


๐„๐ฏ๐ž๐ซ๐ฒ ๐ฌ๐ข๐ง๐ ๐ฅ๐ž ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ ๐š๐ฉ๐ฉ๐ซ๐จ๐š๐œ๐ก ๐ก๐š๐ฌ ๐š ๐ซ๐š๐ข๐ฌ๐จ๐ง ๐'๐žฬ‚๐ญ๐ซ๐ž. ๐€๐ฌ ๐ญ๐ก๐ž๐ฒ ๐ฅ๐ข๐ค๐ž ๐ญ๐จ ๐ฌ๐š๐ฒ ๐ข๐ง ๐ฅ๐š๐ฐ: ๐ฒ๐จ๐ฎ ๐œ๐š๐ง ๐š๐ซ๐ ๐ฎ๐ž ๐ฐ๐ก๐š๐ญ ๐ข๐ฌ ๐š๐ซ๐ ๐ฎ๐ž๐. ๐“๐ก๐ž๐ซ๐ž ๐ข๐ฌ ๐ง๐จ ๐ฐ๐ซ๐จ๐ง๐  ๐จ๐ซ ๐ซ๐ข๐ ๐ก๐ญ ๐š๐ฉ๐ฉ๐ซ๐จ๐š๐œ๐ก, ๐œ๐จ๐ง๐ญ๐ซ๐š๐ซ๐ฒ ๐ญ๐จ ๐ฐ๐ก๐š๐ญ ๐ญ๐ก๐ž ๐ฏ๐š๐ซ๐ข๐จ๐ฎ๐ฌ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ ๐œ๐š๐ฆ๐ฉ๐ฌ ๐ฐ๐จ๐ฎ๐ฅ๐ ๐ก๐š๐ฏ๐ž ๐ฒ๐จ๐ฎ ๐›๐ž๐ฅ๐ข๐ž๐ฏ๐ž. ๐€๐ง๐ ๐š๐›๐จ๐ฏ๐ž ๐š๐ฅ๐ฅ: ๐ข๐ญ ๐ข๐ฌ ๐Ž๐๐‹๐˜ ๐ญ๐ก๐ž ๐ซ๐ž๐ฌ๐ฎ๐ฅ๐ญ ๐ญ๐ก๐š๐ญ ๐œ๐จ๐ฎ๐ง๐ญ๐ฌ.

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