J’ai tout perdu à Dubaï ? La vérité derrière la performance de 27,5% YTD de Alpha Zen !

The speaker begins by humorously stating he is "ruined" and "broke," which forces him to sell and promote his program, Alpha Zen. He clarifies that this video is specifically for his community, those who appreciate his work and him, and not for detractors. He emphasizes that his YouTube channel, Tamy Cavage, is his platform, and viewers are free to leave if they don't like the content. He finds it illogical for people to waste time commenting negatively on free content. He then addresses recent "hot comments" on his Alpha Zen promotions, where he highlighted its impressive performance (17% in one month, 27.5% year-to-date). While most comments are positive, he received a particularly hateful message accusing him of returning to sell because he's "ruined" and lost all his investments in Dubai. The speaker expresses his surprise at the level of hatred but acknowledges the comment's interesting question: why has he returned after previously stating he would stop? He reveals that he no longer needs to work for financial reasons, having achieved his financial goals with passive income and investments worldwide, not just in Dubai. His only business objective left is to become a billionaire, otherwise, he finds it uninteresting. He explains that his continued work with TKL is driven by the incredible and positive messages he receives from his students, which makes him see TKL not just as a school but as a community. He proudly mentions TKL's number one ranking on Trustpilot, with 3537 reviews and 97% five-star ratings, an unparalleled achievement in the French-speaking world. He shares a message from Christian, a Swiss student who has been with the school for four years. Christian, who usually avoids leaving online reviews, renewed his subscription and shared his positive experience. Christian initially tried to apply Alpha Zen's recommendations using his own methodology, which wasn't successful, leading to stop-outs while the Alpha Zen portfolio continued to rise. He then followed Alpha Zen's advice rigorously and found it to be the least stressful and time-consuming part of his investments, requiring less than a minute a day. He confirms that the Alpha Zen portfolio is profitable, achieving 27% year-to-date without stress. Christian highly recommends Alpha Zen for beginners, praising its affordability and its ability to build a strong mindset. He also commends the speaker as a motivating teacher and an idealist who shares his knowledge despite his wealth. The speaker explains that such messages inspire him to continue, prompting him to consider future ventures like a hedge fund or traveling the world. He states that if it were purely for money, he would have stopped long ago, confirming Christian's observation. However, he also admits that financial compensation is important for motivation, as he works seven days a week. He refutes the claim of being ruined in Dubai, detailing his successful real estate investments there, which provide significant passive income. Even if these rents stopped, he has other income streams. His primary motivation for TKL is the intellectual challenge, the continuous pursuit of knowledge, and the desire to add value. He believes that teaching allows him to learn, grow, and improve, citing examples of top professionals who also teach. He highlights Alpha Zen's success, with over 50% of students achieving more than 20% performance year-to-date, significantly outperforming market indices and even some hedge fund managers. This, he argues, disproves the academic theory that individual investors cannot beat the market. He presents survey results from May, showing 17% of Alpha Zen students with 20%+ returns and 33% with 16-20% returns, with over 50% having more than 16% returns. He anticipates even higher figures if the survey were conducted today. He criticizes the "laziness" in the YouTube finance space and among self-proclaimed experts who lack rigorous, research-backed approaches. He contrasts this with his own continuous learning beyond his prestigious academic background (agrégation), emphasizing that a diploma is not the end of learning. He asserts that TKL's goal is to prove that individuals can beat professionals, dismissing "bullshit" narratives that belittle retail investors. He challenges these "experts" to show their own 27% year-to-date performance. The speaker shares his personal journey, having come from a humble background in Morocco, struggling through his studies in France, and experiencing significant financial losses. He created TKL in 2010 to democratize financial education, advocating for passive management and ETFs, and empowering individuals to manage their own money rather than relying on bankers. He wanted to help people who, despite hard work, faced setbacks like divorce or illness, having experienced a similar loss himself. He believes in contributing and being useful, finding life "bland" after achieving his financial goals (reaching the top 0.01% of income earners). He is not materialistic and finds luxury items wasteful, preferring intellectual pursuits. He explains his recurring desire to stop working, citing fatigue and disillusionment with the "YouTube game" and its repetitive content. He contrasts this with his current video, which is personal and authentic, focusing on his journey rather than generic economic news. He dismisses the relevance of economic fundamentals to Alpha Zen's performance, as they've achieved 27% year-to-date without extensive economic discussions. He quotes Paul Krugman and Warren Buffett to illustrate the disconnect between economic theory and practical investment success. He understands why people might be skeptical given the prevalent "bullshit" in finance but encourages them to look at the positive testimonials as proof of his continued motivation. He recounts how he planned to stop TKL multiple times (2021, 2024, 2025, 2026) but was always convinced to continue by student feedback. He also highlights the selfish aspect of teaching: it forces him to constantly improve and master his domain. He details the evolution of his educational offerings, starting with Bourse Mastery in 2020 (focused on momentum, a concept he pioneered in the French-speaking world, now widely copied). He developed a comprehensive curriculum of over 500 hours of training and 11,000 pages of content, believing he had created the most robust investment program in the francophone world by 2025. However, two events in 2025 changed his perspective. First, he met many wealthy entrepreneurs who, despite their resources, lacked time to learn investing and simply wanted to know what to buy. Second, during a family vacation in May 2025, he received a strong buy signal after a market downturn (due to Trump's tariffs), but he chose to prioritize family time over trading, leading to frustration as the market rallied. This "electric shock" inspired him to automate his investment decisions completely. He dedicated months to developing a fully automated system for himself. Recognizing the demand from his students who wanted direct recommendations, he created Alpha Zen. He launched it in October-November 2025, a challenging period with a perceived overvalued market and a subsequent 6-month range before an explosion. Alpha Zen's portfolio thrived even in these difficult conditions, achieving 27% year-to-date. This program directly addresses the needs of busy individuals who want clear investment instructions without extensive learning. It offers a diversified portfolio of 30 stocks, a scientific basis, and requires less than 5 minutes a day. Despite initially wanting to stop Alpha Zen in January, he continued due to overwhelming student requests. He acknowledges that Alpha Zen costs money and is not for small portfolios but is an excellent initiation for those afraid to invest or influenced by unreliable gurus. It provides the right mindset, rules, and proof that success is possible for individuals, countering the arrogance of those who dismiss retail investors. He stresses his independence from brokers and his focus on student value. He defends his decision to respond to negative comments, finding some questions pertinent. He reiterates his honesty about wanting to stop, acknowledging the immense pressure and responsibility of managing students' trust and money. He knows market downturns can occur but believes these experiences will be valuable learning opportunities for his students, teaching them stress management, repositioning, and how to navigate market uncertainty. His strategy is to protect during downturns and participate in upturns, like a surfer riding waves. He shares another positive testimonial from Samuel, an entrepreneur and HEC Geneva graduate with 10 years of investment club experience. Samuel praises Tamy for transforming his mindset and highlights Alpha Zen's rigorous application, transparent performance, and its role in personal and professional development. Samuel emphasizes that what Tamy teaches is not typically learned in top business schools. The speaker concludes by reaffirming TKL's number one position on Trustpilot as verifiable proof of his work's quality and impact, dismissing claims of paid reviews. He expresses pride in his accomplishments and his willingness to be direct in the face of unfounded attacks. He encourages potential students to join Alpha Zen, calling it an excellent investment that will develop the right mindset, regardless of short-term performance fluctuations. He advises against blindly following anyone, including himself, but emphasizes Alpha Zen's value in providing real-time, transparent portfolio management and psychological conditioning to navigate market volatility.