Честно о пассивном доходе: что работает сегодня на самом деле?

Summary

In this financial video, host Evgeny Kogan discusses the feasibility of earning high passive income through investments, debunking the common promise of 30-60% annual returns. He explains what passive investments entail and provides practical advice on diversifying portfolios with bonds, stocks, and gold to achieve stable returns. Kogan emphasizes the importance of understanding market dynamics and the risks associated with different investment strategies, ultimately guiding viewers towards making informed decisions for long-term financial growth.

Takeaways

• 💡 Passive investments can potentially yield high returns, but they are not guaranteed and are subject to market conditions.
• 📊 The speaker emphasizes that achieving a stable 40-50% annual return through passive income is possible only under specific conditions and with a certain level of risk.
• 🏦 Deposits in banks are a simple form of passive investment, but they come with risks such as bank solvency and liquidity issues.
• 📈 The bond market is considered a more comfortable and rational option for passive income, offering a steady stream of coupon payments regardless of market fluctuations.
• 🔑 The importance of diversification is highlighted to mitigate risks, suggesting not to invest more than 3-4% of a portfolio in a single bond or stock.
• 📊 The script discusses the potential of corporate bonds with variable coupons tied to the key rate, which can offer competitive returns compared to deposits.
• 💰 For those looking for a passive income to supplement their pension, the speaker provides a simple formula to calculate the necessary investment amount based on desired monthly income.
• 📉 The volatility of the stock market is noted, making timing investments in dividends more challenging than with bonds.
• 🌟 The speaker recommends considering gold as part of a diversified portfolio for its historical stability, especially in times of inflation.
• 🏠 Real estate investment trusts (REITs) are mentioned as a way to gain passive income from property without the need for direct property ownership.
• 🤔 The transcript ends with a reminder that while passive investments can be rewarding, they require a clear understanding of one's financial goals and risks.

Q & A

What is the main topic of discussion in the video script?

The main topic of the video script is whether it is possible to earn a passive income, specifically high returns such as 30-60% annually, through passive investments.

What does the speaker define as passive investments?

Passive investments, as defined by the speaker, are investments made with a certain degree of regularity regardless of the situation in the stock market, without the need for constant attention or management.

What is the current refinancing rate mentioned in the script?

The current refinancing rate mentioned in the script is 18% annually.

What are the potential risks associated with passive investments according to the speaker?

The potential risks include the risk of the bank, which is the counterparty of the investment, especially if it's a small bank. Additionally, there's the risk of illiquidity if funds are needed before the investment matures.

What is the speaker's opinion on the claims of earning 40-60% returns passively?

The speaker believes that while it is possible to achieve such returns passively in certain short periods of time if very lucky, it is not common and should not be advertised as a stable or guaranteed outcome.

What is the speaker's view on the role of emotions in investment decisions?

The speaker suggests that emotions can negatively impact investment decisions, advising against letting emotions drive the choice of when to invest or divest.

What type of investments does the speaker consider suitable for passive income?

The speaker considers various types of investments suitable for passive income, including deposits, bonds, dividend-paying stocks, gold, real estate investment trusts (REITs), and funds investing in real estate.

What is the recommended diversification strategy for investments according to the speaker?

The speaker recommends not investing more than 3-4% of a portfolio in a single bond or stock to ensure diversification and reduce risk.

What is the speaker's advice regarding the timing of investments?

The speaker advises against trying to time the market, suggesting that it is difficult to predict the best moment to invest and that a consistent investment approach is preferable.

What is the speaker's view on the role of gold in a passive investment portfolio?

The speaker views gold as a stable asset that historically increases in value, especially during inflation, and recommends allocating 10-20% of a portfolio to gold for diversification and stability.

What is the speaker's final recommendation for a passive investment portfolio composition?

The speaker suggests a portfolio composition of approximately 40% in bonds, 25-30% in stocks, 15% in gold, and the remainder in money market funds and REITs, emphasizing the importance of diversification.