Patrimoine à 8 chiffres : Mes 5 règles avant d'investir

The speaker outlines their investment decision-making process, emphasizing that it's not about replicating their specific choices but about developing one's own strategy. They begin by recounting past financial decisions, including selling off their stock portfolio before a market crash due to high valuations, and later reinvesting significantly after their online income "exploded" during the pandemic. They mention specific past stock recommendations like Equinix, General Electric, Lockheed Martin, and Boeing, highlighting their impressive one-year returns. More recently, they've invested 7% of their net worth into the SCHG ETF, a US technology-focused fund, and have since doubled that allocation to 14%, seeing over 7.6% growth in about ten days. They also allude to a new online business acquisition in the US through a private equity club deal, ananaset.com, citing past successes with similar ventures. The core of the video focuses on the speaker's investment process, broken down into several key steps. The first stage involves observing the US market and "spying" on what major finance content creators are discussing. If these creators warn of an impending crash, the speaker views this as a potential indicator that fear is at its lowest, defensive assets are at their peak, and a market rebalancing might be imminent. This often prompts them to research the opposite of what these influencers are suggesting. The second step is to examine what major media outlets in France and the US are reporting, including newspapers, television news, and large YouTube channels affiliated with media corporations. The speaker humorously notes that often doing the inverse of what these mainstream sources suggest has proven effective. So, the first step is understanding the general public sentiment, and the second is analyzing what established media outlets amplify. The third stage involves a performance analysis of the asset itself, prioritizing stability over rapid growth, which comes later. Volatility is also a crucial consideration. The speaker identifies their investment profile as leaning more towards wealth preservation rather than embracing high volatility for explosive profits. Risk assessment is the next critical factor. Risks are categorized into those that are analyzable and durable over time, and those that are uncontrollable and outside the scope of decision-making. An example given is the uncertainty surrounding a specific business (D3 Dormous), where predicting its reopening or closure is deemed unproductive. Instead, the speaker focuses on indicators like the Fear and Greed Index and the actual trading prices of assets. They use Dubai real estate as an example; despite negative predictions, the speaker is interested in buying at a lower price if their long-term vision for the asset remains positive. The key question is whether the long-term trend of the investment will continue or change, not short-term, unpredictable events. Liquidity is the final analytical criterion. The speaker doesn't want to invest in something valuable that they cannot later access. This ties directly into their exit strategy, which is considered *before* investing. For publicly traded assets, exiting is simple. However, for real estate or private equity, a more detailed plan is required, involving identifying potential buyers, their motivations, and the expected resale price. For real estate, understanding demand is crucial. The speaker notes their focus on luxury properties in places like Bangkok and Dubai, analyzing the influx of millionaires and the demand for specific property types like studios, considering rental income trends and potential buyer demographics. The final step is ensuring the allocation is coherent with their overall net worth. A "secret" shared is that their most profitable ventures in the past five years involved acquiring assets from wealthy individuals who lacked liquidity. The speaker emphasizes the importance of maintaining liquidity, suggesting never investing more than 10% of their net worth in a single asset, with a rare exception of up to 15% for extremely specific, temporary, high-conviction deals in real estate or private equity with significant discounts. Beyond the theoretical, the speaker stresses the practical and emotional aspects of investing. They advocate for having conviction, understanding one's goals, and acting decisively. They acknowledge the emotional toll of criticism when sharing investment ideas and highlight the need for strong convictions based on a deep understanding of the asset. The speaker also touches on the risks of leaving money in a bank, citing inflation, loss of ownership, and potential bank failure, arguing that embracing diversified risk is often more beneficial than inaction. They conclude by reiterating the importance of developing one's own investment process rather than simply copying others, as true wealth-building lies in personal conviction and discovery.