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  • Writer's pictureIshfaaq Peerally


The US markets are closed today because of Martin Luther King, Jr. Day.


Investing has never been easier and affordable. In the past, it was reserved for only a few people, the very rich. If you're investing, that's great, but you need to invest more. If you are not investing, you should start as soon as possible.

The main reason why people invest is to have more money in the future that they have right now. It is to reward their future self. Although some people (like me) invest as a business, we are the enterprising investors, most people are defensive investors. Defensives investors are mostly investing for their retirements so that once they retire, they have enough passive income to sustain their current standard of living.

There are three ways most people prepare for retirement:

1. Depending on their government

2. Depending on their employers

3. Using some retirement options given to them either by the government or their employer

All these three options are bad and most people are better off taking their financial future in their own hands, that is, investing by themselves.

The government cannot take care of you once you retire. As we are living longer and longer, less people working are supporting retirees. In 1950, 16.5 working Americans were supporting 1 person benefiting from social security and today only 2.9 working American are supporting 1 person benefiting from social security. At the rate at which social security expenses are growing it will most likely go bankrupt in the coming decades. This is not just in the US but all around the world. Governments will never cut social security expenditures as this is unpopular. They can raise taxes on the rich but eventually, they will have to raise taxes on everyone, including the poor and the middle class. The only way is printing more money. Money printing leads to inflation. What's the use of having more money for retirement if that money is worthless?

Relying on your employer to take care of your retirement means you don't have much control on how much they are charging you in fees, commissions and taxes. The best deal for the employer may not be the best deal for you. If you start with $1000 and invest $100 a month for 50 years, you'll have over $1.5 million once you retire. But if you pay 3% annually in taxes, fees and commissions, you'll be left with only $500 k.

The sooner you start investing, the better it is. Warren Buffett started investing at 11.

In what should you invest? Most people will tell you to invest in the S&P 500 $SPX500 as nobody ever beats the market but the problem with that is that stocks are volatile and you can lose 50% of your investments if you retire in a wrong year, for example, 2008. The best thing to do is to have an All weather portfolio like the one proposed by Ray Dalio.

Watch the full video on YouTube:

You can have access to my All-Weather Beginner's portfolio on my investment research partnership:

Join my private investing group on Facebook for more:

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