First SVB, then signature bank and now first republic bank, these are all the signs of yet another 2008 market crash 2.0 , so my question is do I still save in the United States dollar or is this a good time to buy gold?
Given the current market situation and the precarious state of the economy, I would recommend refraining from investing in stocks for a while or, alternatively, seeking guidance from a financial advisor. However, keeping a portion of your wealth in gold remains a wise choice.
@@richardhudson1243 It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $215k to around $850k.
@@maiadazz It's best you do your due diligence, I have my portfolio overseen by ‘Laurel Dell Sroufe’ and her qualifications speak for itself. Most likely, the internet is where to find basic info, she has a noticeable page for consulting.
@Tatiana Starcic This information is valuable. I quickly searched her full name and her website appeared instantly, showcasing her impressive qualifications. Thank you for sharing.
The SVB situation is a reminder that Fed hikes are having an effect, even if the economy has held up so far,” It’s precisely at times like these that investors need to be on guard against the next certainty. You don’t have to act on every forecast, hence i will suggest you get yourself a financial-advisor
@George I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
@George thanks for sharing this, I googled the lady you mentioned and after going through her resume, I can tell she's a pro. I wrote her and I'm waiting on her reply
@@kennethli8 You are right. I love Rays videos how the economy works but he is such a cheerleader for the CCP who wouldn’t let him live his lifestyle for very long if they somehow retain their control on our establishment. I pray to God for his help because lord knows our establishment does not have what it takes to stand up for this country
Thank God for you. I understand this now and want to make sure I say before it's too late: Thank you for helping so many understand while you have the time to explain it.
Bless your heart Mr. Dalio. What a blessing that we have access to your wisdom thru the Web. I'm deeply appreciative that you take the time to explain in simple terms how the financial system works and how it impacts us, so we can take action accordingly.
I am excited every time I see a new video from Ray! I took to heart Ray's advice, Don't spend more than you make. Treat your own people nicely. It's a good advice for a country as well as for an individual. Thank You Ray!
thank you MR Dalio, love all your education you have shared over the years, especially your story of being wrong in the 80s and how you bounced back. means a lot, and is a big inspiration.
@@1x0x I find Schiff more of a sensationalist in order to promote his business. Which is fine that’s what salesmen do . But Dalio speaks from deep research perspective. Just my opinion . 👍
Totally nailed it Ray- Thankyou for attempting to bring the financially literacy of so many up. What has occurred and sits on banks, investment co’s , being gov’t bonds whose values plummeted as the interest rate level rose shows such co’s to be governed by utter fools who misunderstand risk management and the way that asset pricing behaves- appalling and for the financial regulator to have to not seen this happening etc, speaks volumes about the corruption of the system. I contend that the Fed is a big part of the problem. What to do ??
Best time to invest? thats funny though because in the last four months I have lost more than $47,900 in stock market which is the biggest I have loss since I ventured into stock investment.
you could be right or wrong . i once had similar problem but now its a different ball game for me because I was lucky to have met KATRINA VANRENSUM , a financial manager and stock expert, I have made more than $165,000 in 6 weeks under her supervisions
Really? people are cashing in from the stock market and frankly speaking its comforting seeing someone admit to the fact that they actually seek help from professionals. please how can i reach KATRINA VANRENSUM ?
Thanks for such a clear and concise explanation, P.S YT needs to do something about its bots issue, unfortunately this video is filled with a ton of bots promoting scams
The deregulation of financial institutions is the root of all evil in the industry... Without proper legislation and regulation, banks and institutions will keep repeating the same mistakes over and over again... We definitely need a reform in the finance sector!
I would love Ray’s thoughts on the commercial real estate situation. They are going to have to do something, and then turn what was office space into apartments, hotels, etc.
A lo que entiendo, ésta complicada situación financiera; va a durar mucho tiempo, gracias por compartirnos su conocimiento y valiosa experiencia al respecto 👍🏼 Lo aprecio mucho!
Ray is always brilliant at explaining complex things. It is really simple though: US had long shifted from being a PRODUCING country to becoming a SPECULANT (call it investing if it makes you feel better). Of course it is human nature: nobody wants to work - everyone want to sit on the couch and have the money work for them. And that’s why China is moving ahead - it is rigid, it is disciplined and it is a global factory. What’s open during all of the US holidays regardless of the state? Chinese restaurant that delivers day and night…. Therefore it’s in the culture ☝️
What if the central bank, before raising the interest rate, would analyze the assets of the bank, and if the bank's assets could not withstand that interest rate, then the bank would be given a grace period for that rate. The thing is, in my layman's opinion, that by setting the interest rate the bank does not give a time period during which this interest rate can operate, and this creates an imbalance between the interest income and the percentage of losses.
The whole thing is inflationary by nature as the FED ultimately will fund the machine with fiat money to keep the system, what is bad for the dollar in the long term and good for productive assets. Holding cash looks like the most dangerous trade in the game.
Yep, and in times of systemic financial stress, it’s an awesome time for someone running a giant hedge fund to make a ton of money off other’s distress. Nice of Ray to point that out to the people being stressed.
@@flowstateentertainment8395 Simple my friend: Central banks lower interest rates and purchase government debt by printing currency, thus pumping up asset prices causing a wealth transfer/gap. People feel rich which causes more speculation and the fear of missing out. Banks take on a lot of long term debt. Everyone feels on top of the world until it all reverses… Interest rates rise and central banks sell debt reducing the currency supply in the economy which makes holding currency more attractive due to the higher interest rates, whilst asset prices plummet and liquidity dries up, which makes banks vulnerable due to their long term debt obligations and short term interest rates rising. Basically, what goes up MUST come down. When currency is printed (inflation), those who have assets feel more wealthy. When the opposite comes around, people feel poor and debt obligations become more expensive causing a run on banks.
@@evanwilliamson3602 Nope, what goes up must go up or the whole system collapses and nobody trusts banks ever again. They will hyperinflate and introduce entirely new currency systems before they choose to lose the game they're playing, which gives them absolute power over life and death.
We live in a time where debt is seen as an asset and liquidity as a risk. That's all you really need to know about how backwards this economic and banking system has gone.
Everybody would borrow money to invest if the worst that can happen is that you go back to 0 on the investment and the government returns the loan for you. Every single person in management on this banks that made this bad decisions should be accountable and pay with its own assets or serve jail time
According to certain economists, it's possible that the U.S. and certain parts of Europe might experience a recession at some point in 2023. Although a global recession, which is characterized by a decline in annual global per capita income, is relatively uncommon due to the faster growth rates of emerging markets like China, in comparison to developed economies. I have pulled out more than $340k from my bank. After all, the FDIC covers only up to $250,000, and the implosion could have bad effect. Looking to invest into the stock market now. Does anyone know how I could go about it?
The stock market rally still appears to be in the midst of a normal pullback. I just sold my home in the Boca Grande area and I’m looking to remunerate a lump sum into the stock market before stocks rebound, came across a success story of an investors that made up to $700,000 in few months from investing just $250K and I'd really appreciate it if I could get clues and pointers on how to make better profit...
The problem that caused all of this is leveraged compound interest. What happens in boom cycles is that individuals use leverage to compound their way into an asset. Then when the only people to sell it to is others who are doing the same, it busts and all those that used leverage to do so go bust and are forced to sell at a price less than they bought. That is why raising interest rates are good. It slows the compounders and weakens the over leveraged compounders. Right now banking liquidity is the problem. Likely we get a pause or cut, an increase in liquidity requirements, then back to raises on interest rates. A lot of this is mostly due to the economic shock that COVID caused. We will likely see quite a few hikes then cuts to get back to the 2% inflation target. It won't happen overnight.
Leadership has to change. More regulations with light taxes required. Marked to market required on all bank securities with different banks class A, B,and C to stop the repeated bank bailout’s on the whole bank sector. It is a matter of national security.
How Japan is sustain with huge debt? The debt-to-GDP ratio (221) of Japan is the highest in the world. And U.S has ratio 115. It means that Japan spends more than it earns. So, the default chance should be high, but not default. Why? Most recently, Sri Lanka defaulted on his debt. Why? The US is facing a problem today due to an excess of money that causes stagflation, and the US wants to control the flow rate. Thank You Sir 😊 for your Videos which helps me to Understand Economic in very easy b way...
First SVB, then signature bank and now first republic bank, these are all the signs of yet another 2008 market crash 2.0 , so my question is do I still save in the United States dollar or is this a good time to buy gold?
Given the current market situation and the precarious state of the economy, I would recommend refraining from investing in stocks for a while or, alternatively, seeking guidance from a financial advisor. However, keeping a portion of your wealth in gold remains a wise choice.
@@richardhudson1243 It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $215k to around $850k.
@@tatianastarcic I find your situation fascinating. Would you be willing to suggest a trusted advisor you've worked with?
@@maiadazz It's best you do your due diligence, I have my portfolio overseen by ‘Laurel Dell Sroufe’ and her qualifications speak for itself. Most likely, the internet is where to find basic info, she has a noticeable page for consulting.
@Tatiana Starcic This information is valuable. I quickly searched her full name and her website appeared instantly, showcasing her impressive qualifications. Thank you for sharing.
The SVB situation is a reminder that Fed hikes are having an effect, even if the economy has held up so far,” It’s precisely at times like these that investors need to be on guard against the next certainty. You don’t have to act on every forecast, hence i will suggest you get yourself a financial-advisor
@George I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
@George thanks for sharing this, I googled the lady you mentioned and after going through her resume, I can tell she's a pro. I wrote her and I'm waiting on her reply
Nice yacht 😃
Definitely!
Ray is such a gem. Short and to the point, explained in simple terms.
The interior of your boat is amazing!
Kiss *ss! 🙂
Yes he is! I do wish if he'd use SVB as an example, talk a bit more about their situation then connect to the macroeconomic situation
Ray should explain the downfall of China's heavy debt economy for the last 30 years. His Principal book was proven over and over to be bias and wrong.
@@kennethli8 You are right. I love Rays videos how the economy works but he is such a cheerleader for the CCP who wouldn’t let him live his lifestyle for very long if they somehow retain their control on our establishment. I pray to God for his help because lord knows our establishment does not have what it takes to stand up for this country
@@Greg-yu4ij Ray isn’t a cheerleader for the CCP. He honestly states what they are doing right, and gives them credit
Please Ray, keep the updates more constant. Many young investors look to you as a source of truth and no b.s
Ray, please run for president, your Country and the world need you!
The BEST explanation of what happened and where we're at with the banking crisis! TYVM!!
Thank God for you. I understand this now and want to make sure I say before it's too late: Thank you for helping so many understand while you have the time to explain it.
Thanks for the succint and clear explanation Ray
Thank you! This helps me gain a better understanding of the current economy. Very helpful
Thank you, Sir, for the explanation you so generously provide!
Bless your heart Mr. Dalio. What a blessing that we have access to your wisdom thru the Web. I'm deeply appreciative that you take the time to explain in simple terms how the financial system works and how it impacts us, so we can take action accordingly.
I am excited every time I see a new video from Ray!
I took to heart Ray's advice,
Don't spend more than you make.
Treat your own people nicely.
It's a good advice for a country as well as for an individual.
Thank You Ray!
Very well explained, in a simple way, thanks.
Crisp & straight forward reasons for turmoil in banking crisis .. Mr ray u r a gem
Saee gal ah
Simple explanation of the situation thanks, Ray!
thank you MR Dalio, love all your education you have shared over the years, especially your story of being wrong in the 80s and how you bounced back. means a lot, and is a big inspiration.
you've explained it in a very convoluted way. your medicore at everything you do.
Bless you sir! This is the level of education I need!!
Looks like Ray’s recording this from the super yacht
Nothing wrong with that 😎👍
Brilliant explanation
Thanks Ray. Best explanation I heard!
Nice yacht broadcast!
Such a big Ray fan the way he processes things .
you should listen to peter schiff if you want to understand whats really going on
@@1x0x I find Schiff more of a sensationalist in order to promote his business. Which is fine that’s what salesmen do . But Dalio speaks from deep research perspective. Just my opinion . 👍
Ray should explain the downfall of China's heavy debt economy for the last 30 years. His Principal book was proven over and over to be bias and wrong.
Totally nailed it Ray- Thankyou for attempting to bring the financially literacy of so many up. What has occurred and sits on banks, investment co’s , being gov’t bonds whose values plummeted as the interest rate level rose shows such co’s to be governed by utter fools who misunderstand risk management and the way that asset pricing behaves- appalling and for the financial regulator to have to not seen this happening etc, speaks volumes about the corruption of the system. I contend that the Fed is a big part of the problem. What to do ??
Very good upload that improves my financial literacy keep up with the job
This was really helpful. Would love to hear more 😊
Gracias por tan valiosa exposición...
Saludos cordiales de México.
Thank you so much. You are greate!🙏
😇🙏 you give peace to all us ❤️ and understanding knowledge 🙏💖
There might be an economical turmoil but there is no doubt that this is still the best time to invest.
Best time to invest? thats funny though because in the last four months I have lost more than $47,900 in stock market which is the biggest I have loss since I ventured into stock investment.
you could be right or wrong . i once had similar problem but now its a different ball game for me because I was lucky to have met KATRINA VANRENSUM , a financial manager and stock expert, I have made more than $165,000 in 6 weeks under her supervisions
Really? people are cashing in from the stock market and frankly speaking its comforting seeing someone admit to the fact that they actually seek help from professionals. please how can i reach KATRINA VANRENSUM ?
Search her name on the web you will see all you need to know about her.
Thanks for the info , found her website and it really impressive
Love your knowledge sir.
Thank you Mr. Dalit for this understandable explanation of our economic challenges.
Great insight and explanation Mr Dalio for those who remain ignorant of facts.
He’s really great to listen to! I’m a fan.
Ray, less is more. Thank you for explaining. You are a legend.
Thanks for enlightenment Mr. Ray. Always valuable words.
just overall well articulated and easy to digest.
This is very insightful! I've learned more in this video than in 2 econ classes. Great real worlds example.
Ray should explain the downfall of China's heavy debt economy for the last 30 years. His Principal book was proven over and over to be bias and wrong.
That's Their Problem..God Bless All 🙌🙏🙏✨👏
Amazing content
This is a great short video right on the money. Thank you Ray Dalio.
You are the only influencer we need!
Thanks sir
Amazing
Thanks for such a clear and concise explanation,
P.S YT needs to do something about its bots issue,
unfortunately this video is filled with a ton of bots promoting scams
Thank you so much for sharing your time and knowledge.
I love this gentlemen! 🇨🇦
Thank you Ray
I like the longer videos the best :) thanks for the wisdom sir!
Love that Ray is doing this from the yacht
The deregulation of financial institutions is the root of all evil in the industry... Without proper legislation and regulation, banks and institutions will keep repeating the same mistakes over and over again... We definitely need a reform in the finance sector!
Spot on & so true. Clear, concise & straight to the point. Why can’t the market analysts talk like him.
Nowadays, just talking heads, sadly. They lack real knowledge.
maybe because everyone is different!
Looking good Ray!
Thank you mr.dalio i am a student and your education videos made me really understand this whole complex economy in its core for the first time.
I would love Ray’s thoughts on the commercial real estate situation. They are going to have to do something, and then turn what was office space into apartments, hotels, etc.
A lo que entiendo, ésta complicada situación financiera; va a durar mucho tiempo, gracias por compartirnos su conocimiento y valiosa experiencia al respecto 👍🏼
Lo aprecio mucho!
Thank you!
I wish it would be longer!
Is this really Ray Dallio's channel?
I appreciate his economic insights.
Thank You Ray! You are a real time Teacher and a Coach.
Is there a longer form version of these short clips?
Well said as always 🏆
Ray is always brilliant at explaining complex things. It is really simple though: US had long shifted from being a PRODUCING country to becoming a SPECULANT (call it investing if it makes you feel better). Of course it is human nature: nobody wants to work - everyone want to sit on the couch and have the money work for them. And that’s why China is moving ahead - it is rigid, it is disciplined and it is a global factory. What’s open during all of the US holidays regardless of the state?
Chinese restaurant that delivers day and night…. Therefore it’s in the culture ☝️
❤❤❤❤❤❤❤
GOD BLESS YOU RAY DALIO
Thanks🎉
Thank you
Another problem is the rapid rate at which interest rates have increased. It makes it difficult for banks, people and businesses to adjust.
Thanks a lot Ray!
Nice yatch.
What if the central bank, before raising the interest rate, would analyze the assets of the bank, and if the bank's assets could not withstand that interest rate, then the bank would be given a grace period for that rate. The thing is, in my layman's opinion, that by setting the interest rate the bank does not give a time period during which this interest rate can operate, and this creates an imbalance between the interest income and the percentage of losses.
The whole thing is inflationary by nature as the FED ultimately will fund the machine with fiat money to keep the system, what is bad for the dollar in the long term and good for productive assets. Holding cash looks like the most dangerous trade in the game.
Yep, and in times of systemic financial stress, it’s an awesome time for someone running a giant hedge fund to make a ton of money off other’s distress. Nice of Ray to point that out to the people being stressed.
In simple words he described the very complex current situation. So much to the point. True innovator and trading master.
This is his bread and butter. This finance is what he does for a living. The capital market.
Absolut👍🏼
I got more in 3 minutes from Dalio than I did from my entire economics textbook.
Really? Explain it back to us in laymen’s terms.
@@flowstateentertainment8395 Simple my friend: Central banks lower interest rates and purchase government debt by printing currency, thus pumping up asset prices causing a wealth transfer/gap. People feel rich which causes more speculation and the fear of missing out. Banks take on a lot of long term debt. Everyone feels on top of the world until it all reverses…
Interest rates rise and central banks sell debt reducing the currency supply in the economy which makes holding currency more attractive due to the higher interest rates, whilst asset prices plummet and liquidity dries up, which makes banks vulnerable due to their long term debt obligations and short term interest rates rising.
Basically, what goes up MUST come down. When currency is printed (inflation), those who have assets feel more wealthy. When the opposite comes around, people feel poor and debt obligations become more expensive causing a run on banks.
@@evanwilliamson3602 Nope, what goes up must go up or the whole system collapses and nobody trusts banks ever again. They will hyperinflate and introduce entirely new currency systems before they choose to lose the game they're playing, which gives them absolute power over life and death.
@@flowstateentertainment8395 The video is already in laymen's terms
Lol, no you didn't.
Like always. Thank you Ray 🙏🙏
Plz share the full video
I'm Ray Dalio, and I've been loving this game called Royal Match
We live in a time where debt is seen as an asset and liquidity as a risk. That's all you really need to know about how backwards this economic and banking system has gone.
Kindly also share your thoughts on Indian stock market Index .
Everybody would borrow money to invest if the worst that can happen is that you go back to 0 on the investment and the government returns the loan for you. Every single person in management on this banks that made this bad decisions should be accountable and pay with its own assets or serve jail time
This needed to be said.
Can you make an example for instance opening a hot dog stand. Getting a loan from bank to puchase cart etc. Then what occurs ?
Is the full video of this available?
Exactly 💯
christ, seemingly all the comments are from scam bots, what a day to be alive
Looks like a nice yacht.
According to certain economists, it's possible that the U.S. and certain parts of Europe might experience a recession at some point in 2023. Although a global recession, which is characterized by a decline in annual global per capita income, is relatively uncommon due to the faster growth rates of emerging markets like China, in comparison to developed economies. I have pulled out more than $340k from my bank. After all, the FDIC covers only up to $250,000, and the implosion could have bad effect. Looking to invest into the stock market now. Does anyone know how I could go about it?
The stock market rally still appears to be in the midst of a normal pullback. I just sold my home in the Boca Grande area and I’m looking to remunerate a lump sum into the stock market before stocks rebound, came across a success story of an investors that made up to $700,000 in few months from investing just $250K and I'd really appreciate it if I could get clues and pointers on how to make better profit...
please how do i find the man you just mentioned?
I just Googled his name and his website came up right away. It looks interesting so far. I sent her an email and i hope she responds soon. Thanks
The problem that caused all of this is leveraged compound interest. What happens in boom cycles is that individuals use leverage to compound their way into an asset. Then when the only people to sell it to is others who are doing the same, it busts and all those that used leverage to do so go bust and are forced to sell at a price less than they bought. That is why raising interest rates are good. It slows the compounders and weakens the over leveraged compounders. Right now banking liquidity is the problem. Likely we get a pause or cut, an increase in liquidity requirements, then back to raises on interest rates. A lot of this is mostly due to the economic shock that COVID caused. We will likely see quite a few hikes then cuts to get back to the 2% inflation target. It won't happen overnight.
Not enough people are talking about the 8-month vacancy of the Chief Risk Officer at SVB during the time of monetary tightening.
Leadership has to change. More regulations with light taxes required. Marked to market required on all bank securities with different banks class A, B,and C to stop the repeated bank bailout’s on the whole bank sector. It is a matter of national security.
...anyone else notice Ray is on his yacht? Bet its a nice one
Nice yacht Dalio
Exactly what Ray said and throw in 80 trillion off balance sheet debt as well that's due by end of year.
How Japan is sustain with huge debt?
The debt-to-GDP ratio (221) of Japan is the highest in the world. And U.S has ratio 115. It means that Japan spends more than it earns. So, the default chance should be high, but not default. Why?
Most recently, Sri Lanka defaulted on his debt. Why?
The US is facing a problem today due to an excess of money that causes stagflation, and the US wants to control the flow rate.
Thank You Sir 😊 for your Videos which helps me to Understand Economic in very easy b way...
Veeeery true
Thank you Ray, for such an easy-to-understand explanation.
Give us a yacht tour.
Ray enjoying life on his yacht
Where should go to then ? Commodities???
If you have interest based financial system, you'll always need to print for the system to keep going.