Ray Dalio: The 3 Portfolios Every Investor Needs Before 2026 (Complete System) скачать в хорошем качестве

Ray Dalio: The 3 Portfolios Every Investor Needs Before 2026 (Complete System)

💼 Ray Dalio: The 3 Portfolios Every Investor Needs Before 2026 | Complete System Guide Stop trying to do everything with one portfolio. Ray Dalio reveals the 3-portfolio system used at Bridgewater to manage $160 billion—designed to grow wealth, preserve capital, and seize opportunities simultaneously. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ⏱️ TIMESTAMPS: 0:00 - Why One Portfolio Isn't Enough (The Fatal Flaw) 2:00 - PORTFOLIO #1: The Growth Portfolio (60% stocks, maximum long-term gains) 8:30 - PORTFOLIO #2: The All-Weather Portfolio (balanced for any economy) 15:00 - PORTFOLIO #3: The Crisis Portfolio (protection + opportunity fund) 21:30 - How to Combine All 3 (Age-based allocation frameworks) 24:30 - Your 30-Day Implementation Plan ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🎯 THE 3-PORTFOLIO SYSTEM EXPLAINED: Most investors make a critical mistake: they try to accomplish every goal with a single portfolio. Growth AND safety AND opportunity. It doesn't work. Ray Dalio's solution: *Three separate portfolios, each optimized for a specific purpose.* *PORTFOLIO #1: THE GROWTH PORTFOLIO* *Purpose:* Maximum long-term wealth building *Time Horizon:* 10-30+ years *Risk Level:* High (30-40% potential drawdowns) *Expected Return:* 8-10% annually *Allocation:* 60% Global Equities (VTI, VEA, VWO) 15% Small-Cap/Value (VBR, SLYV) 10% REITs (VNQ) 10% Commodities (DBC, GLD) 5% High-Yield Bonds (HYG) *Who needs this:* Anyone under 50 with long time horizon, stable income, and ability to handle volatility. *PORTFOLIO #2: THE ALL-WEATHER PORTFOLIO* *Purpose:* Consistent performance in ALL economic conditions *Time Horizon:* 5-20 years *Risk Level:* Moderate (worst year: -4%) *Expected Return:* 7-8% annually *Allocation (The Famous Ray Dalio Strategy):* 30% Stocks (VTI, VEA) 40% Long-Term Treasuries (TLT) 15% Intermediate Treasuries (IEF) 7.5% Commodities (DBC) 7.5% Gold (GLD) *The 4 Economic Seasons it covers:* 1. Growth → Stocks perform 2. Recession → Bonds perform 3. Inflation → Commodities/TIPS perform 4. Deflation → Long-term bonds perform *Historical Performance:* Never had a year worse than -4% since 1984. Outperformed 60/40 on risk-adjusted basis. *Who needs this:* Anyone seeking stability, approaching retirement, or who panics during market volatility. *PORTFOLIO #3: THE CRISIS PORTFOLIO* *Purpose:* Protection during crashes + dry powder for opportunities *Time Horizon:* Opportunistic (could sit for years) *Risk Level:* Very Low (capital preservation mode) *Expected Return:* 2-3% normally, 20-40%+ during crises *Allocation:* 50% Cash/Cash Equivalents (VUSXX, SHV) 20% Gold (GLD, physical) 20% Long-Term Treasuries (TLT) 10% Put Options / Tail Hedges (TAIL) *When to deploy:* ✓ Stocks down 30-40% from highs ✓ Credit spreads blow out ✓ Real estate capitulates ✓ Commodities below cost of production *Real-world example:* In 2008-2009, this portfolio would have been UP while stocks crashed 50%, giving you capital to buy at bottom. *Who needs this:* Anyone with $100K+ in assets, anyone nearing retirement, sophisticated investors seeking asymmetric opportunities. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 💡 COMPLETE ETF SHOPPING LIST: *GROWTH PORTFOLIO ETFs:* ✓ VTI - US Total Stock Market ✓ VEA - International Developed ✓ VWO - Emerging Markets ✓ VBR - Small-Cap Value ✓ VNQ - Real Estate (REITs) ✓ DBC - Commodities ✓ HYG - High-Yield Bonds *ALL-WEATHER PORTFOLIO ETFs:* ✓ VTI - US Stocks ✓ VEA - International Stocks ✓ TLT - Long-Term Treasuries (20+ years) ✓ IEF - Intermediate Treasuries (7-10 years) ✓ DBC - Commodities ✓ GLD - Gold *CRISIS PORTFOLIO:* ✓ VUSXX - Money Market Fund ✓ SHV - Short-Term Treasuries ✓ GLD - Gold ETF ✓ TLT - Long-Term Treasuries ✓ TAIL - Tail Risk ETF (optional) All expense ratios under 0.20% (most under 0.10%) ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ⚠️ IMPORTANT DISCLAIMER: This is an INDEPENDENT educational channel and fan tribute. We are NOT affiliated with, endorsed by, or connected to Ray Dalio, Bridgewater Associates, or any of their associated entities. 🤖 AI-GENERATED CONTENT: All narration uses AI voice technology for educational and entertainment purposes. The voice you hear is NOT Ray Dalio's actual voice. 💼 NOT FINANCIAL ADVICE: Content is for educational and informational purposes ONLY. This is NOT financial, investment, or professional advice. Always consult licensed financial advisors before making investment decisions. Past performance does not guarantee future results. 📚 SOURCES: Content synthesizes publicly available information from Ray Dalio's books, Bridgewater research, interviews, and historical portfolio analysis. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🔔 SUBSCRIBE for the complete Ray Dalio Investment Series: #raydalio #portfoliomanagement #investmentstrategy #assetallocation #wealthbuilding #financialplanning #retirementplanning #etfinvesting #diversifiedportfolio