Lifecycle Investing – Whats The Best?

What do I do? Full-time independent stock market analyst and researcher:

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Modern Value Investing book:

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Investing on margin can lead to to early retirement and increase the quality of your retirement. Investing for retirement is tricky because it takes a lot of time and a lot can happen over 45 years in the stock market and with stocks. However, Yale professors Ian Ayres and Barry J. Nalebuff have shows that using sensible margin investing can lead to much higher returns over the long term as you allow time to work for you. Compounding really leads to huge differences if you start young.

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  1. TheLakersfan24704
    July 30, 2021 at 11:15 pm


  2. spectral spectra
    July 30, 2021 at 11:15 pm

    Ooh you have PhD in your name

  3. Ben Holter
    July 30, 2021 at 11:15 pm

    Buying a house is key to building wealth. A lot easier than a lot of people think. Get a good credit score keep a job for a year and look into fha loan

  4. InTheMoney
    July 30, 2021 at 11:15 pm

    Gotta make bold moves at a young agr at some point

  5. COOKIE!
    July 30, 2021 at 11:15 pm

    I like your accent

  6. Troll Face
    July 30, 2021 at 11:15 pm

    We are going on a summer holiday
    If you want to go, yo, Sven
    We're going to London and New York City
    And we take a little piece of Amsterdam (right)

  7. gg gg
    July 30, 2021 at 11:15 pm

    I invest 80% in stocks, 20% in high yield fixed income and use margin to do merger arbitrages and short puts

  8. Charles Zouk
    July 30, 2021 at 11:15 pm

    Fantastic Sven! πŸ™‚ Could you please do a play lists by investment ages please Sven i.e 20-30 investing 30-40 …. and so on! πŸ™‚ Many thanks again! πŸ™‚

  9. Richard P
    July 30, 2021 at 11:15 pm

    Margin or debt is a double edge sword. I used debt to buy stock in 2009 and did well. Right now, I am 40% in cash, the margin is beyond my consideration. I hope in the near future I will find the necessity to use margin again.

  10. Matthew Mayer
    July 30, 2021 at 11:15 pm

    TD Ameritrade charges 8% Margin Interest Rate….Not Worth it?

  11. Peter Gormsen
    July 30, 2021 at 11:15 pm

    "Borrowed money is the most common way smart guys go broke" – Warren Buffett
    β€œIf you’re smart you don’t need it. If you’re dumb you got no business using it.” – Warren Buffett
    You should read the story from Mohnish Pabrai when he asked Buffett about Rick Guerin. Rick was also heavily invested in Blue Chip Stamps which was one of the most important investments in building Buffetts wealth. But the stock went down before it went up and Rick had to sell because of a margin call.

  12. Ron Olson
    July 30, 2021 at 11:15 pm

    Thanks Sven for a great video, especially for younger investors. Thanks for all you do!

  13. Fidelibus Lucrum
    July 30, 2021 at 11:15 pm

    Great subject Sven, leverage (Margin) is a double edged sword. Yes mathematically it does improve your probability of profit because you can increase your number of occurrences and reduce your risk (if margin is applied correctly) buy improving efficiency in managing correlations, but one needs to understand and respect its ramifications. Today we see record margin debt recently hitting another record of $561 billion, understanding and respecting margin is essential to your financial survival. See Zerohedge article Bubble Watch: US Margin Debt Now Equal the Economy of Taiwan

  14. Raitzi
    July 30, 2021 at 11:15 pm

    I have been using margin debt. But only 1.5 to 1. Margin account also gives you a lot flexibility and I recommend using one even if you use it only to finance things over couple of days.

  15. Higgs000Boson
    July 30, 2021 at 11:15 pm

    Looks suspicious. Will the return from index funds or a mix with bonds cover the interest payments?

  16. Gainde 113
    July 30, 2021 at 11:15 pm

    You're right. Capital is needed to create more capital. So it's easier to start with a higher amount πŸ˜€

  17. Yaokai Jiang
    July 30, 2021 at 11:15 pm

    I have my reservations towards margin even if you don't ever get a margin call.
    Margin interest rate is tied typically to the short term rate, and when rates are low the valuation is typically high, and vice-versa.
    So in the future you may get a double wammy when the interest payment goes up and at the same time the asset value go down.

  18. Thatguyinthathat. s
    July 30, 2021 at 11:15 pm

    Hi Sven, for some odd reason quite a few of your videos get stuck when I view them. I have a skip a few seconds before it starts streaming again. This does not happen to any other YouTube video. It happened on this video right when you mentioned the 4.5% rate. Anyone got the same problems. I think it happens mostly when I watch Svens videos on PS4.

  19. nustada
    July 30, 2021 at 11:15 pm

    One of the biggest downside of using margin is interest payments. If you use options you can take advantage of margins without paying interest by using credit spreads. I recommend short delta and theta to reduce reversal risk and earn time premium.

  20. hodoprime
    July 30, 2021 at 11:15 pm

    I've seen you point out the benefits of mortgages in the past and I'd have to disagree. JL Collins has put out some blog posts explaining the drawbacks to home ownership. It's quite comprehensive so I highly recommend you or anyone else here take a look at it.

  21. David Andersson
    July 30, 2021 at 11:15 pm

    Investing in real estate with a mortgage is acceptable, if you take great care. Buying stocks on margin is just plain stupid. If something goes wrong, the likely outcome is that the bank/broker owns all of your stocks and maybe also your ass . The fact that we are nine years into a bull market is not making this idea any better. The possible higher returns only comes with taking to much risk. I am worried if any young viewers think this a good idea.

  22. G Yip
    July 30, 2021 at 11:15 pm

    I think the majority thinks investing in margin is bad without properly thinking about it.

  23. Greenan Whyte
    July 30, 2021 at 11:15 pm

    Interesting Subject, needs to be a well thought out approach, and actively managed …. if things go downhill in the portfolio, you could lose it all …

  24. Dr.Janis Karklins
    July 30, 2021 at 11:15 pm

    Did not watch the video yet, but the topic is perfect for me. I discussed this exact topic today with family. Will be good to watch. Like in advance! πŸ™‚