美股/加密貨幣 全都暴跌

Hello everyone, I'm Terry. Now I want to wish you all a happy new year. I wish you all a happy new year and a good fortune.

If you are interested in US stocks and encrypted currency, you should be able to feel

This year is really a bit miserable. The S&P 500 index in the United States fell by 10% less than a month to last week's market. Then, the Nasdaq, which is based on the US technology stock, fell more miserably, and fell by 15%. Bitcoin also fell directly from the highest point of November last year, half of which was cut off. Not to mention that other non-mainstream cryptocurrencies fell by more than 80% to 90%. Many people asked me on Instagram about my opinion of the entire market, whether it is stocks or cryptocurrencies. Today I want to make this video to share my thoughts with you.

and how to invest in such an environment. Before the video starts, remember to like it first, because you know that it will only take you 0.2 seconds to like it. If you like it, your fortune will be the same as mine this year.

Are you ready? Before we join you in this fear, we need to understand the current macroeconomic situation. The reason why the US stock market is so hot is because the US Fed announced that it needs to use the increase to prevent the constant supply chain chaos caused by the pandemic. The US stock market has a growth rate of up to 7% today. The most serious impact of the increase is the high-end growth stocks in the technology industry. And those risks are relatively high assets such as cryptocurrencies.

Because money will be transferred to more stable investment Because the market reaction is the most intense Usually before the real thing happens So we only have the oil consumption now Many tech companies have been listed last year There has been a drop of 50-60% to this day This company is called Wish It was founded by my college senior The company's stock fell from $30 a share last year It's only $2.50 a share today It's really a drop that makes you doubt your life So now the US's macroeconomic situation is in a very awkward state

If you don't increase it, the inflation rate will continue to increase. But if you add too much, it may cause economic decline. If it's serious, it may cause another financial crisis. Plus, because the supply chain is not turning well, all the prices are rising. Even second-hand cars like this are falling every year. It has risen by 30% since March last year. Do you know how scary 7% inflation rate is?

S&P500's annual growth is 10% and if you deduct the inflation rate, you only have 3% growth per year. This may be possible for those who have retired, and can rely on stocks and passive income to maintain living expenses. But because of this serious inflation, it may affect the original retirement plan.

I've already posted a video in the beginning of this year to share my own views on some companies and the direction of investment. If you are interested, you can take a look. I remember when I was a kid, my dad once told me a sentence. He said that most people who play stocks will lose money. In fact, I have never really understood what this sentence means until I started to be interested in investment. Then spend more and more time to study. The result I got is that it is indeed because the nature of man is to set it well, to be destined to lose money in the stock market. When the market collapses, people's emotions begin to panic.

Those lights!

韭菜 也就是為什麼大部分人會在股票裡面虧錢的原因 雖然我不是什麼股票專家 我只是一個在家工作的宅男工程師 但是我還是想要在這個頻道裡面分享正確的投資理財觀念 我覺得投資觀念在年輕的時候要是受過正確的引導 未來是可以完全改變人的一生 很可惜這些東西學校都完全不會教你 而且也不是每個家庭都有能力給自己小孩正確的引導 包含我自己也是慢慢摸索出來的

Back to the main topic, in this global pandemic, the US dollar is already determined to increase in the year. What investment should we do? I think we can go back to the first principle of thinking. What is our original intention of investment? What is your investment goal? For me, my investment goal is to be able to work for money in the future. Investing is the only way to achieve wealth. Maybe you invest in stocks or encrypted currencies to make a lot of money in a short time. There are many people who have succeeded in this way. There are also many people who are bankrupt overnight.

For someone like me who works every day and sometimes has to do YouTube, it's impossible to spend so much time on research. Compared to those Wall Street institutions, they have thousands of employees who use computer data to copy every day. I know I can't play with them no matter how hard I study. So I decided to use the simplest and most powerful way to operate, which is to do nothing. What does "do nothing" mean? It means to follow your normal investment plan, and buy high-quality companies regularly. Invest in companies that can change human lives in the future, and make the world a better place. Because a hundred years of history tells us that this is the best investment method.

因為我的投資年限很長,我不會在乎一到兩年短期市場的波動。 反而因為這是股市的修正,很多好的公司已經到了真正減便宜的價位。 特斯拉第四季度財報,營收比上一年增長了65%, 淨利潤增長了87%,一家市值已經有1兆美元。

跨国大公司 竟然还可以有这么亮眼的成绩 还是在疫情供应链 混乱的大环境下 成长率可以吊打 戏骨一堆还没有上市的公司 通常我们这种普通人 是完全没有机会 可以投资那些 还没有上市的公司 对我来说 今天投资特斯拉 就像投资一家 很稳定 高成长 有非常多现金的startup

I saw their stock price plummeting these days, and I started to watch stocks in June. In addition to Tesla, Microsoft, Google, and Apple's financial reports exceeded analysts' expectations. Stocks are all back and forth. If you are worried that this stock market will be flooded by the Internet because of the increase in the 2000s, I think it's still a bit far away. At that time, a group of companies that did not make money at all, and did not register a .com domain without a business model, went public. Isn't it a bit like our current encrypted currency market? But this does not mean that we can not worry about the financial crisis at all.

If supply chain problems continue to deteriorate, prices continue to rise, and the annual rate increases more, it is likely to lead to a series of chain reactions, and finally a wave of financial crisis. But who knows, now no one can tell you what will happen in the next few months. Usually those who predict the future are just talking about it. Anyway, one-third of the chance. If the financial crisis is said right, it will be called the "new generation of the ancient god". If it is not said right, just say it next year. Anyway, it will be said right at some point.

This is why I plan to do nothing, continue to buy into the company I'm optimistic about, and transfer the funds to the company I'm confident in. This is the only way I can get through any financial crisis. If today's financial crisis happens, my money is in the right place, I don't have any pressure to cut meat. I still eat my food, watch my Netflix, and continue to buy my stocks. If nothing happens today, the market will rebound in the future.

而且往往那些公司回彩的速度是最快最猛的

Of course, you can also change all your stocks now, and then wait until you feel that the big board is at the bottom, then lie down and wait for wealth freedom. But can you predict where the bottom is? If today's stock continues to rebound and go up for five days, I don't believe you can control your hand. So why is the dollar cost averaging the final winner? And it's the easiest and most unnecessary strategy.

So my final advice is that if you are like me, working hard every day, and your goal is to make a living, we should work hard to do our job well. If you can make extra money by opening an Uber or adding a job, make more money, and invest it in a company that you think is worth it, especially if the market is going to explode,

I still have to keep adding up when the stock price goes up. In addition, most companies in the US have 401k. Every month, they automatically deduct a part of my income from my income to invest in a large ETF like VOO. This is a completely brainless operation. Because investing in 401k is money in taxes. Not only can I reduce my current tax rate, but I can also extend the money I make later to pay taxes after retirement. And many companies will match a certain amount. It's like sending money in vain.

So if you work in the US, remember to pay attention to your 401k plan. The encrypted currency part, like Bitcoin and Ethereum, I also continue to add a small amount. If you have been in the currency circle for a while, you may have been as numb as me. This kind of fold is actually not wearing anything. As for the cash part, the share price is now very high. It's actually not safe to hold it in your hand.

But you need enough cash to make investments when you have the chance. In this environment, I would recommend having plenty of cash. Try not to use cash to invest. Because if you use cash, you need to pay interest. And if the time line is a little longer, you may not be able to hold it and end up with a long term return. If there is a chance, you can deposit cash in a high-flow deposit account. Although interest may not exceed the rate of inflation. Another thing you can consider is to convert cash into a stable currency.

Now many of the WNB account accounts have 8-12% interest. Or if you are interested in DeFi, you can watch my previous video. You can use Anchor Protocol to save money and then you have nearly 20% interest every year. But these are all its risks. You must first make sure that you can take the risk and then invest. Okay, that's it for today. The above is not an investment advice. If you think this episode is helpful to you, please give me a thumbs up. You are also welcome to leave a message below to tell me your opinion.

你觉得今年市场会有什么样的结果? 那如果你对开户买美股有兴趣的话, 也可以参考一下影片底下资讯栏的连结。 那我们下次见咯!