Alternative

investment ideas

BY, ROBIN AGERSAND

1
 Table of Content

01 INTRODUCTION
A short introduction.

02 PURPOSE OF THE E-BOOK

A brief description of my purpose for writing this book.

YOUR WHY AND WHAT WEALTH IS TO YOU

03 Find your WHY and understand what your idea of WEALTH is.

OVERVIEW OF THE INVESTMENT IDEAS

04 A brief overview of different options that´´s out there and ideas of how one can use them.

WHISKY & WHISKEY

05 What are our options for investing in Whisky(Scottish, Canadian and Japanese grain spirits) and
Whiskey(grain spirits distilled in Ireland and United states)? I will give my suggestions!

06 WINE
Invest in rare wines and champagne? I have the tips for you!

ART
07 I provide an idea of how you could invest in contemporary art and my views on art as an
investment

YOUTUBE
08 Did you know that you can invest in Youtube channels? I give you a few tips on where and my
views on this as an asset form.

2
 Table of Content

E-COMMERCE & WHITE LABELS

09 I´´m listing a few different e-commerce & white label options for those of you that wants to either start
your own product from scratch or use the white label model.

COMMODITIES
10 I give a rundown of "soft" and "hard" commodities, how to invest them and tips on how to use
commodities as part of your investment portfolio.

REAL ESTATE
11 I´m covering all things real estate more or less as well as some new ways of investing in real estate
previously only available to accredited investors.

DIVIDEND STOCKS & ETFS

12 I´m covering the theory on living on dividends as passive income, the fire movement and the theory
behind that as well ways to invest in this asset class.

13 WATCHES
The theory of investing in watches, where to buy them and what to think about.

14 CURRENCIES / FOREX
USD, YEN, EURO, ZAR, CAD? HOW? WHY? WHEN?

15 RESOURCES & CONCLUSION

This is my attempt to wrap up this book and itś investment ideas. I will also include resources such as
homepages and books for anyone that wants to further their knowledge in alternative investments.

3
 Introduction
About me

My name is Robin, born in 1986 and from Sweden. I studied finance in school before heading out in the real world
where I started to work straight away.

Working with everything from cleaning offices to handyman and security jobs, I finally settled down in the yachting
industry where I have spent the last 12 years.

Before I started in my current line of work I already had an interest in investments, mainly the stock market which is
a low barrier to entry type of investment which suited my finances at the time.
Over the years my interest in investments grew as I started to make enough money to put some more substantial
numbers behind the investments.

My current investments include Real Estate, Stocks & Funds, company start-ups, Crypto, Commodities, Art, Youtube
channels and as I´m writing this I´m looking into Wine when the finances allows for it.
Investments, finance and politics are some of my biggest interests and I see investments as an excellent way to learn
new skills, network with interesting people and keeping myself up to date with current affairs.

I believe that I have read at least 100+ books on investments, personal finance, financial behaviours and psychology
related to these subjects. After having read these books, going through periods of financial and political turmoil in
the world I have become a huge advocate on diversification in investments which sort of has resulted in this book.

After having spent countless hours discussing different investment ideas and investing together with friends and
crew members onboard my boat I felt that a lot of people feel that investments are quite intimidating in the
beginning phase and that if I could make this more accessible to people I could actually contribute to something
good. Hopefully this will inspire more people to make smart investments and have a good control of their economy.

I have never written anything like this in my life so this is both a journey for me to learn how to write, to arrange
graphics, chapters and everything else so please bare with me here!

I want to make clear that only one of the investments mentioned in this book would currently give me any sort of
financial compensation if you mention my name in the signing up phase which I will mention clearly in the chapter.
The rest are just providers of investment services that I use myself, have friends that are using or have other ways of
knowing that their results and the business is legit.
The purpose of this book as mentioned in the next chapter, has never been to promote their businesses for my own
financial gains, this book is written for inspiration purposes only and my investments or financials gains will not be
affected by whether any of you decide to invest with these companies or not.

- Robin Agersand, author of this e-book.

4
Purpose of the e-book

The idea of writing this book was something that came gradually. I spoke to a lot of young people that now started
to make money for the first time in their adult lives but didn´t know how to invest them. Financial institutions,
bankers and financial advisors making their livelihood on making something easy sound incredibly difficult.
My goal with this book is to gather investment ideas, making them easy and accessible and to explain how I think
and act in different situations.

This book IS NOT investment advice,

I´m not a licensed financial advisor and it would be illegal for me to give you advice on how to act with your money.
I merely want to inspire to a healthy financial mindset, show what investment types are out there and how you
COULD use them in different situations. How, when and to what extent you use these or other investment ideas
all depends on your confidence in the product, your financial situation , job security, your age and if you are a risk
taker or a conservative investor like myself. Do your own research, know what you own and why you own it.
The figures mentioned in this book is the figures as I know them at the time of writing. These numbers changes,
some of them more often than others so always check for the exact figures in the sales calls or on the websites as
the figures could have changed just the week before you are reading this.

Take this book as inspiration and try to figure out your goals with the investment and create a good routine of
always paying yourself and your investment first so that investments don´t feel like a cost as this will prevent you
from building up the capital over time as one always finds reasons to avoid costs. If you spend the money on bills,
food, leasure and everything else until you find yourself with 500€ left in your wallet, you are less likely to spend
300€ of that on an investment compared to if you started the month with 300€ short due to the investment and
now adapted your spending to your new financial situation.

Investments should be fun and goal oriented to drive you forward. Consider how much time you want to spend on
managing your investments, if you want investments that are completely passive or one that requires more work
from your side that might turn in to your full time business or hobby down the line.

Do you have a talent for creating beautiful designs online that can work for menus, Christmas cards or financial
planners? Do you want to start an e-commerce business from scratch? Do you want to see dividends come in
passively to your stock portfolio each money? Do you have a big interest in wine and would like to combine your
interest with investments in the very same? Do you like contemporary art ? The opportunities are endless and
there are investment types that will fit each personality, time span and risk profile. These days you can even invest
in live stock(pigs or cows), lemon & avocado plantations but these offers are still fairly new to the market so I
haven´t verified their claimed returns and I don´t like the idea of investing in live stock personally so I will leave it
out for now but the fruit and vegetable inv

Everything written in this book is widely available on the internet, I´m not trying to take credit for having invented
something revolutionary, I just wanted to gather what I have found after years of looking around for interesting
investments together with some thoughts about how and when they are suitable in an easy and accessible format
that people without financial background can understand and appreciate.
To follow the stock market isn´t for everyone but this shouldn´t stop anyone for making smart, informed decisions
with their money to set themselves up for the future.

5
Purpose of the e-book
In the back of this book I will provide further, easily digested resources for people that would like to further their
financial literacy and find more inspiration on each subject. There are some truly amazing books out there so there is
no point for me to write another one on the same topics. This book is for the people that don´t know where to start,
don´t know what´s available and for those of us that are feeling slightly intimidated by the phrase "Investments". If
you are seeking inspiration , want to further your knowledge and don´t want to leave your money in a bank account
just to be eaten up by inflation, this is the book for you.

I will make you skip the first question: "I wonder what the costs are and what I need to commit" as I will let you know
this in each chapter so you don´t have to waste your time if the investment doesn´t match up with your financial
situation at the moment.

"Alternative assets, by their very nature, tend to be less efficiently priced than traditional marketable securities,
providing an opportunity to exploit market inefficiencies through active management"

Start early, don´t wait, "time in the market" will always beat "timing the market". Reinvest your money to discover the
compounded interest phenomenon.

As Alfred Einstein once said: "Compound interest is the eight wonder of the world. He who understands it,
earns it; he who doesn´t, pays it".

The reason why you should invest the money to work for you is that the hours you can work per day is limited.
Warren Buffett made an excellent quote on this: "If you don´t find a way to make money while you sleep, you will
work until you die."

This is why we need to invest our money to work for us all hours of the day!

Above, an image I borrowed from thecalculatorsite.com that show the effect of compounded interest over time.

6
 WHY & WEALTH
Before we continue further in this book I want to explain the concept of "why" and break down what wealth is or what it can be for you.

Having a clear sense of purpose and a "why" is crucial when it comes to investing, as it provides a foundation for making sound financial
decisions that align with your goals and values. Investing without a clear purpose can lead to haphazard decision-making and
ultimately, financial instability.

One of the most common purposes for investing is to build wealth. However, wealth doesn't always have to be measured solely in
financial terms. It can also encompass other important aspects of life, such as personal fulfillment, social impact, and community
involvement.

Investing with a clear purpose can also provide a sense of direction and motivation for achieving your financial goals. It can help you
stay focused on the long-term and avoid making impulsive or emotionally-driven decisions that could harm your financial stability.

People invest and save money for different reasons. You can invest and save up to a new gadget such as a new computer, a new car or
your fist flat but you can also invest money to create wealth in different forms. Having a goal is important in all aspects of life and
investments are no different.

We need to sit down and think what wealth means to us so we can align our goals towards that type of wealth. I´m using myself as an
example; for me, wealth isn´t about having a large number in my bank account, nice cars or other status symbols even thought none of
them are bad things and shouldn´t be looked upon as such.

For myself, wealth means freedom, freedom to choose what I want to do and when. It means time, time for my family and friends. It
means I can turn down a terrible job and hopefully have the freedom to be there for my family when I want to and not miss important
moments in our lives.

People´s why and their view on wealth tend to change with time just as your priorities and views on life changes. Someone that is 19
and just starting to make good money probably won´t prioritise freedom of choice but rather material things, travel and things that
makes the life feel more fulfilled right there and then. When you get older you start to think more about the future, family, health and
later on in life more about leaving something behind, pension,.

The earlier you starting to think in terms of your why and what wealth means to you, the easier it will be to find a purpose with your
investments and will make them feel like something fun, inspiring and a necessary part of life rather than something scary, difficult and
something you would prefer to push to sometime in the future (procrastination is a thing when it comes to investing just like anything
else).

People usually end up paying a financial advisor, a bank or any other financial sales person huge fees for them to tell you how difficult
investments can be and how risky they can be unless you allow them "that knows better as that is their job......" to invest your hard
earned money for a "small" fee which you can see here below what that fee will do to your investments over time.

7
Overview of the investment ideas

Types of investments

First I would like to explain the different types of investments mentioned in this book; in what form you would
own them, how you would store and track them, if they are digital or physical assets. I will only mention it briefly
here, just for the reader to understand that there are many different types of investments that require different
input and effort from your side.
I will cover the different asset classes in depth in the different chapters so this is just an intro to the world of
alternative assets. Many of these assets can be owned in different forms so here it´s up to you as investor how
involved you want to be depending on your interest and life situation as a whole.

01
Digital proof of ownership of a physical asset
Examples of this could be Wine, Whisky, Art, Real Estate, Currencies, Stocks, Commodities and Watches.
You could of course own any of these in physical form if you have the interest, storage and a good level
of knowledge about how to store the asset.

Digital asset
02 Examples of this could be Youtube channels, Crypto, Stocks & Funds, E-Commerce or digital financial
instruments that replicates the price of a physical asset such as Gold, US Dollar, Oil, Wheat, Coffee,
Copper and the list goes on.

Physical asset
03 Examples of this could be Watches, Rental apartments, Physical gold, Paintings, Wine bottles that you
own and store, Whisky bottles that you own and store, Physical cash in different currencies, if you have a
business with warehouse and own distribution that leveraging e-Commerce as sales channel etc.

8
 Overview of the investment ideas

Active or passive investments

One have to separate the types of investments available between actively managed investments and completely
passive investments.

Let me explain what I mean;

An active investment is where you actively monitor and make changes to the investment where a passive investment
is completely or partly managed by someone else. You have to decide if you have the time, the interest and knowledge
on how to manage the specific investment. Maybe you are a Sommelier that knows wine and wants to manage your
own cellar or a collection managed by someone else where you still actively take part in decisions on what wines
should be added to your cellar?

Actively managed investments

01 Examples of this could be rental apartments, your actively managed Youtube channel, Crypto and Stock
investments, Commodities, Currencies and it could even include your actively managed portfolio of wine
through a company that is keeping it for you and e-Commerce.

Passive investments
02 Examples of this could be Youtube channels, index funds, passively managed wine/whisky/art
portfolios and even e-Commerce if you are paying someone to run it for you. You could also buy
Watches and Gold and just sit on your hands for 10 years making it both actively managed and passive.

9
 Overview of the investment ideas

Time frame for different investments

Another important factor in deciding which asset class

that will work best for you is the time frame you have on
your investments which should be decided based on
when you need the money(basically what the goal is). If
you need the money in 3 months, you need to adapt your
investment choices accordingly.

The longer time horizon you have, the more likely it is

that your investments will have made a good return for
you. You can of course buy a watch or a painting and sell
it with a good profit to the right buyer but this requires a
lot from you in terms of knowledge and actively
searching for the right buyer.

On the right you can see an image how the stock market
returns has been over different time periods. As you can
see, the return can be volatile over shorter time frames
but tends to be less volatile over longer time frames.

Short term investments

01 Example of this could be Currencies, Stocks, Commodities, Short term bonds and Crypto. 1minute - 1
year I would say.

Medium term investments

02 Example of this could be Stocks, Commodities like Gold and even Art. 1-5 years in my opinion.

Long term investments

03 Example of this could be Watches, Rental apartments, Youtube channels, Wine, Whiskey, e-Commerce,
Stocks and Art. 5 years +.

10
 Whisky & Whiskey
Whisky/Whiskey as an investment

Whisky/Whiskey (I´ll keep writing both to not upset any of the hardcore
enthusiasts) is a pretty straight forward investment in certain aspects
but it does require patience and a bit of effort in the sales process to
maximize the return.

Whisky is a great diversification in a mix of assets as it has a very low

correlation to stocks, properties, commodities etc. Whisky has had
great returns over the years and has proven to be resistant to high
inflation and recessions.

Every investment I´m presenting throughout this book have excellent

teams that will take care of you and run you through the sales pitch.
I will only provide a brief overview of each company and their offer incl.
the costs as I have already invested in most of them and heard the sales
pitch from the companies I haven´t had money enough to invest in yet. Best Alternative Investments for
Volatile Markets: Why 2023 is the…
On the right you find a short text about why Whisky is a good
alternative investment (keep in mind that the article is written by a With the stock market flatlining and the
biased person related to the company so see it as a sales pitch). property market down, alternative assets —
specifically in the sphere of rare whisky…
Whiskey & Wealth Club / Jan 4

I believe that Whisky is an investment where it´s a benefit to have an interest

in the asset but it´s not necessary.
I see Whisky and Wine equally safe and in my opinion(not an investment
advice which I´m legally not allowed to give).

Whisky and Wine is a fairly low risk investment(in my personal opinion,

please do your own research and don´t take my word for Something fairly
extraordinarie needs to happen for you to not make a good profit. However,
here you need patience and to be prepared to wait.

Let´s take Irish Whiskey for example; It needs to be 3 years old before it can
be labelled as Irish Whiskey, same goes for Scotish single malt for example
that needs to be stored in Oak casks in Scotland for 3 years before being
allowed to be called Scotish Whisky.
The real increase in price and in your case; Profit, happens after 8 years
when the distilleries are fighting to get hold of your casks as this is when they Whisky As An Investment: All You
can put an 8-10-12 years of age on the bottle. This makes makes the asset Need To Know
very much a long term investment.
Only a small fraction of all the Whiskey you see on the shelf in shops actually Luxuries such as artwork, classic cars and
have their own distillery, most of them buying aged casks and release them fine wine have long been seen as having
under their label which makes casks very sought after, especially older ones. money-making potential, and are collectiv…

11
 Whisky & Whiskey
Whisky/Whiskey investment providers

There are many ways of investing in Whisky/Whiskey and I can´t cover every option in every asset class. I will only
bring the investment options that I know the numbers of and that I have done extensive research/due diligence on.

Below you can find my two options that I will provide when it comes to Whisky/Whiskey, fully aware that there are
many more out there and one of them will be covered more in depth in the next chapter.

Whiskey Wealth Club

• You buy one pallet containing 6 casks.
• The price is 21000£/pallet as of March 2023. This is a very competitive
price for premium casks and is achieved from buying pallets at scale to
"ultra-wholesale rates".
• Expected return after 10 years 58-63000£ for non premium casks but
higher returns possible for premium casks.
• You can sell off one by one when you feel like it to create cashflow.
• Many different exit strategies.
• You can go and visit the storage facility and see your Whiskey in person.
• Fully secured and insured storage. After 10 years, if you choose to keep
them longer, you pay 50£/year per cask to keep them stored and insured. Home
• Additional costs can occur during the sale depending on chosen sales
method. Trustpilot The leading cask whiskey
• Award winning & trusted company. investment opportunity Welcome to the
• See the homepage for further info and to book a non binding sales call rarefied world of wholesale premium…
with the team to see what you think.
Whiskey & Wealth Club

RareWine Invest

• You invest in rare bottles instead of casks.

• A very liquid form of the asset class meaning
that you can sell the individual bottles easy
and if you buy 20 bottles you can sell them off
at different times to create cash flow.
• Invest in known distilleries, unique batches
and bottles.
• Can be mixed into a portfolio of wine for Only 836 Bottles:
better diversification. Invest In New… RareWine Invest -
• You get an app to track your value Investment in fine and…
appreciation. Glenfarclas - the latest
• Stored in a secure, tax free and insured winner of "Distiller of the Investment in wine combines
facility. Year". 50 years old. Super… solid return and low risk
• A team of experts doing the sourcing for you. En
Contact them for a non binding sales call. En

12
 Wine
Wine as an investment form
This book is not about me trying to write something that way more educated
and knowledgeable people than me has already written. Therefore I will keep
it short and include a few links for you to be able to fully indulge yourself in the
world of wine.

I have visited well over 100 vineyards by now and wine is a big passion of mine
so of course investing in wine makes a lot of sense to me in many aspects but
to keep it stupid simple: the best vintages are highly sought after by an
expanding mass of wine consumers and by it´s very nature the wine gets more
scarce over time as people buy it to store it for investment purposes or simply
drinking it.

Bitcoin is often mentioned in the same sentence as the US Dollar during high
inflation periods due to the fact that we can print unlimited amount of US
Dollar (in theory) but Bitcoin remains at a fixed 21.000.000 that can be mined.
Wine is being released in a certain quantity for each vintage(just think year -
"which vintage is it? -2017") and the more we drink the less availability,
making them more rare and with a steadily increasing demand with a reduced
supply, the price increase. Don´t think of it as something that will just come
out on the market next year so it will always be a steady supply. Different
vintage, completely different wine. 2008 can go for 300€ per bottle and get
98/100 points from critics where the same wine in the 2009 vintage can go for RareWine Invest | Why wine is the
150€ and get 90/100 in score from the critics, this is why you need to leverage perfect investment
someone else´s knowledge to make a good profit.
Wine is a good alternative investment
Wine is both inflation and recession resistant and has low volatility(simply, because it combines stable returns with
price is steady and increasing in a slow controlled pace compared to for low risk, and wine makes a good ballast…
example Crypto which I would say is at the other end of that spectrum.)
En
Certain wines or champagnes are only released during certain years when the
wine makers consider them to be good enough to be released to the public.
Not all vintages are the same, there the awards, the score they receive from
the critics and the prices all differ from year to year. Certain vintages can be
priced double to the year before from the exact same grapes due to the effect
the weather can have on the different vintages. This is where we can leverage
the expertise from the companies we invest with. They will search for certain
vintages, they will investigate the wine to make sure the wine is good and that
the content of the bottle is what it says it is on the label as wine-fraud is
becoming more common as interest and prices increase.

Another benefit is that in many countries wine is considered a wasting asset

which means that you likely won´t have to pay capital gains tax on it. This How To Invest In Wine
includes countries such as UK, France, Germany and many more. Check with
your tax advisor to make sure what is correct for you. For most people, investing means buying
stocks, bonds and funds. But you may
To the right you can find links and videos to further understand the asset class also be able to turn a profit on a nice…
andto determine if Wine is for you or not and if you wish to proceed the
recommended investment providers will follow on the next page. Forbes Advisor / Aug 2, 2022

13
 Wine
Wine investment providers

Rarewine Invest

• Trusted supplier with long track record. I hav e plenty of friends that
have made a good return with this company.
• Competitive price structure. (For exact costs for storing, insurance and
sales cost, please take notes during the sales call from them as the
prices can vary from year to year).
• Visit the main office in Denmark and be invited to their own wine cellar
where you can get treated to some amazing wines (these guys knows
customer experience).
• Buy and store wine tax and VAT free in bonded warehouses managed
by their sister company Nordic Freeport.
• Get new recommendations regularly direct in your email.
• Get an app to track the performance of your investment. RareWine Invest - Investment in
• Only 10.000€ initial start up portfolio to begin investing and after that fine and rare wine
you can add the new recommendations you get for less than that. For
example; you see an email with a new champagne you want to add, Investment in wine combines solid return
price per champagne is 200€ and minimum investment is 10 bottles and low risk
which makes your addition to the portfolio being 2000€ .
En

Vinovest

• Start with as little as 1000$ with different categories and prices all the
way up to 250.000$ with additional benefits.
• Recently introduced investment in whiskey casks .
• Convenient Market place to sell your wine.
• Choose your risk tolerance; conservative, moderate or aggressive and
let the algorithm find the best wines to suit your risk profile.
• Access to early releases and private events.
• Track your performance in the Client portal.

Investing in Wine as an Alternative

Asset
With 13.6% annualized returns over the
past 15 years, fine wine has outperformed
most global equities and is less volatile…
Vinovest

14
 Wine
Wine investment providers

Cult Wineinvestment

• Different investment classes, starting at 10.000£ Wine Investment.com | Investing In Fine

• Invitation to exclusive wine tastings, private visits to wine estates . Wine
• Access to early releases
• A great Wine academy on the homepage to learn more about wines. We make investing in fine wine as effortless as
• Get new recommendations regularly direct in your email. drinking it - combining human expertise, data-
• Track your performance via the Client portal driven tech and a love for fine wine. Diversify yo…
Cult Wines

WineCap

• No management fees. https://winecap.com/

• Access to exclusive wine collections.
• Access to unbiased wine experts giving you advice and feedback.
• Like all wine investments the wine is securely stored in a government
regulated facility and fully insured.
• Proprietary backed technology to spot early trends.
• A bespoke portfolio to meet your investment type and risk profile.
• Minimum order of wine is as low as 250£ or a full unmixed case of 12
bottles of wine.
• A great "Learn" section on the home page with great resources that is
updated frequently.

15
 Art
The contemporary art market

The art market has always been hard to access and mainly reserved for high net worth individuals
with a big network and a big interest in art.

The digital advancements during the last few years and especially during and after Covid-19 has
transformed the art market and has made it more accessible to the general population.

We now have the opportunity to participate in this highly lucrative investment opportunity which is
a great inflation and recession resistant asset.

With a great history of solid returns this could be a great way to both diversify your portfolio and
possibly even learn a bit about art. You never know when you will be able to show off your
knowledge in art! I never expected that to happen but found myself in a conversation about Council Post: The
contemporary art just a few weeks after I started investing in the asset class. Remarkable Resilience …

As calculated by the Masterworks all art index, contemporary art prices have outpaced the S&P 500 Though no investment is
by 131% from 1995-2021. Masterworks has double digit returns since they became available to the entirely without risk,
public. contemporary art has shown…

For a great in depth analysis of the global art market during Covid and beyong, please check out the Forbes / Sep 28, 2022
following PDF:

https://www.privatebank.citibank.com/newcpb-media/media/documents/insights/Citi-GPS-Art-
report-Dec2020.pdf

Masterworks
• The easiest and more secure way to invest in contemporary art.
• Negotiate the starting amount down to 5000$ and this amount can
be spread over several different paintings.
• They buy the asset, creating an LLC company who owns the asset
and you then buy shares in this company. The increase in value is
then shared equal between the owners.
• Secure storage and fully insured.
• 1.5% Management fee that covers insurance, storage, admin costs,
regulatory filings, quarterly appraisals and trading.
• They make 20% on the future profits making their incentive to sell it
at the highest price possible even higher.
• Masterworks is constantly looking for the best opportunity to sell
the art with maximum profit but you can sell your shares on the
secondary market at any time. Masterworks
• Find more press coverage on Masterwork´s homepage and book a Purchase shares in great masterpieces from artists
call if it sounds interesting. like Pablo Picasso, Claude Monet, Andy Warhol, and
• Track your performance in a great and easy to use app.
more.

16
 Youtube
Youtube as an asset class

Digital assets are still a fairly unknown asset class. People understand that there
is value in digital assets such as Social media accounts, Youtube channels,
Instagram and TikTok accounts but few understand how to take advantage of the
new asset class and how to invest in it.

When we hear digital asset we immediately think about Web3 projects, Crypto
and NFTs but that will be covered in another chapter. In this chapter we will
mainly cover the social media accounts and specifically Youtube channels.

Youtube mainly use two formats, Shorts and long format videos. Shorts are short,
catchy and potential viral videos, think TikTok and long form is what you usually The Ultimate Guide to YouTube
would watch on Youtube. Monetization in 2023
You can buy existing pre-monetized channels, both long and short form channels Looking for how to monetize your
but the benefit with short channels are that you don´t need to show your face or YouTube channel? This guide will walk
create a video from scratch. you through the process of monetizi…
You can pay for mentorships(around 7000-8000$) where you learn to set up your Influencer Marketing Hub / Mar 1…
own team to start making videos for you (around 25-70$ per video for editing,
narration, thumbnails which also usually comes with a pre-monetized Shorts
channel to help bring audience to the long form videos) or you can buy the
service of someone else running the Shorts channels for you just like your team
can do with the long form channels.

Completely hands off and done for you Shorts channels can cost everything from
a few thousands per quarter from some providers up to fixed one time fees
around 25000$ where you have a revenue share to keep them incentivized to
perform well for you over time.

One thing to keep in mind; Youtube is a long term investment, the money will
come but will require time, patience and initial capital before you reach that
point. Another thing to keep in mind is that even though the "gurus" making 5-6
figures on their channels, many of them making their big money on the actual
courses and mentorships. You will see them flying private jets, driving luxury cars YouTube Shorts
etc but a lot of that is paid by the courses and the mentorships rather than the
Monetization: Earn Money …
channels. This is PR for their services as this is everyone´s dream which is what
they aspire to provide. You can make very big numbers on the channels but it will The YouTube Shorts fund paid out
require hard work and a keen interest or a big initial investment for someone to $100M in 2021-2022. Now, YouTube
run it for you.
is adding more monetization…
If you buy a Shorts channel which is Done For You, it won´t change your life
financially but will add a few hundred per month for the first year and then
maybe up to 1000$ and in some instances 2000$ per month after a few years.
This is good cashflow and return on a 25.000$ investment. If you after 1 year is
making 600$ on your channel each month this could be equivalent to rent out a
rental apartment and is a return on investment that is hard to beat!

17
 Youtube
Youtube investment service providers:

Ace Consulting and Management

• Disclaimer: I own a channel with ACE and if you would sign up to acquire a channel and
mention me (and let me know either through social media or my email at the end of this
book so I can follow up on it) I get a financial kickback from this as affiliate. You can of
course sign up by yourself without mentioning me what so ever just as easy. This is the
only investment in this book that I would receive any money through affiliate from and I
want to be transparent about this. I´m not writing this book to make as much money as
possible through affiliate, I want for you to make money so if people buy or invest in
anything in this book and make money on the investment, I´m happy. I do however
appreciate Carlos and the team at ACE a lot and I can´t recommend them enough.

• Professional team with a proper legal bindning contract.

• Approachable team. ACE Consulting & Management
• A fixed one time fee of 25000$ for the Short channels that are completely done for
you which means they are completely hands off! 65/35% profit share to keep their INCOME CREATION OPPORTUNITIES
incentive where it needs to be and a small monthly admin fee. These fees can of ACE Consulting & Management
course change.
• Excel sheet with all your income and expenses stated so you can see what you
channel made in a transparent way.
• Newly introduced VIP Service
• For American clients they also provide many different E-Commerce stores that they
set up and run for you.
• They have a team that can assist with certain types of insurances and to fix your
credit.

Savir Suda - Triad Global Media Triad Global Media

• A very personal approach from someone who has bet his whole life to make
this income stream work for himself and his clients.
• Several different price brackets and different types of Done For You and
mentorships, ranging from 2000$/quarter up to 7000-8000$ per quarter
where the lower end is starting from scratch which takes a while to make
money on. The 5000$/quarter DFY Shorts makes you money from day one
and the higher bracket being private 1vs1 mentorships setting up teams to
create long form videos. The Shorts channels can add some cashflow that
can be invested in new channels or other investments where the long form
channels can if your team does well replace your income. This is of course in
best case scenario and not all channels make the same and in the same time
frames.

There is also other creators on Instagram like https://www.instagram.com/calebboxx/ and https://www.instagram.com/razvanpb/ that has
helped many but I have no personal experience from them and don´t know anyone that has invested with them so I can´t vouch for their
results. They have good reviews but keep in mind that they give people financial incentive to give them good reviews and the life style you
see on their social media is to a large part also paid by the fees they make on their mentorships. Price of the mentorships are betweeh
7000-8000$

18
 E-commerce & White label
E-commerce and White label as investment forms

There are many different ways of investing in eCommerce and White label products. The most
Fulfillment by Amazon –
common way to invest in the eCommerce space is to invest in a mentor that is explaining how it
all works, how to source your products, how to outsource different jobs etc and then set up an FBA – Amazon
Amazon FBA or a Shopify shop where you sell your products that you have chosen. Fulfillment by Amazon (FBA) is a
FBA is basically Fulfillment By Amazon which in short means that a business send products to fulfillment service that allows
Amazon´s fulfillment centers and when customers makes a purchase, they pick, pack and ship businesses to use Amazon to…
the order. amazon.com
They also deal with returns. Shopify also have their own fulfillment centers just like many
others.

You can either pay someone to help you from point A to point Z setting up, selling, promoting
and everything in between, like a mentor OR you can pay someone to completely run the shop
for you without you doing anything.
If you just want to sell a product that your mentor teaches you how to find, straight on Amazon
and run the whole fulfillment through them this can be automated and can either be run
completely by a company or you can outsource everything to different people to be in full
control.

If however you want to sell your own unique product that you have created or sourced, a good What Is Dropshipping and
mentor can teach you how to build a real brand and scale it from scratch with endless How Does It Work? (2023)
opportunities and possible sales channels.
There are many mentors that provides different versions of this services. Dropshipping is an increasingly
popular retail fulfillment method
Another popular way to sell products is through Drop-shipping through your own shop instead for ecommerce businesses. Rea…
of through Amazon. You can either build your own shop or get someone to build it for you
including getting the products for you. This allows you to pay a fee for them to completely build Shopify
you a shop that is up and running with products they have researched to be good products in
low competition niches or products that you have been part of selecting.

14 Best Dropshipping The 10 Best Dropshipping

Website Builders To Creat… Suppliers for 2022
Discover the best dropshipping Start your dropshipping business
website builder to help you launch by partnering with the best
and scale a professional online… dropshipping suppliers for 2022.…
AutoDS / Apr 25, 2022 Wix eCommerce Blog / Dec …

19
E-commerce & White label
E-commerce and White label as investment forms

Another popular way of entering the eCommerce space is to use White label
products.

White label products are sold by retailers with their own branding and logo but
the products themselves are manufactured by a third party. White labeling occurs
when the manufacturer of an item uses the branding requested by the purchaser,
or marketer, instead of its own.

The end product appears as though it has been produced by the purchaser. The Best White Label
Examples of ideas can be found on the link to the right. Products for 2023

Another way to get into the eCommerce space is to start selling product or Take a look at some of the best
services on an establish platform such as Etsy. white label products for 2023,
Selling home made products or digital products on an established platform with a as well as look at the pros an…
large audience is a popular way to get into eCommerce.
It´s a very hands on investment that requires plenty of work and interest to make Printify / Mar 10
it profitable but once it´s up and running it can turn into a more passive income
when your ship is establish and the products keep selling.

To see a list of companies that provides different services related to eCommerce

and White label products in different forms, see next page.

Below you can find some examples and trends within White labels from the large
platform Shopify.

What Is a White Label

Product, and How Does …
A white label product is
manufactured by one company
then packaged and sold by…

11 White Label What Is White Label? Investopedia / May 21, 20…

Products To Sell Onlin… Guide to White…
Get started with ideas for White label products are
trending white label products made by a single
that you can sell today. manufacturer but sold at…

Shopify Shopify

20
 E-commerce & White label
E-commerce and White label product service providers and investment forms

• Full hands off management of your shop created and managed by experts.
• Different price points for different business types.
• Only for american clients that can establish LLCs for this part of ACE´s
business.
• Personal and easy communication with everyone in the team including the
owner.
• Can help you with your credit, insurance and several types of investments
which means that you can gather a large part of your diversified portfolio
under one umbrella.

ACE Consulting & Management

INCOME CREATION OPPORTUNITIES
ACE Consulting & Management

• Heavily focused brand building but also have part of the course that cover
advertisement over Facebook and other ads platforms. eCommerce Scaling Secrets | Home
• This is for you who wants to build you brand and product from scratch and Learn how to start and scale your own
to learn as you progress, this is not a Done For You service as ACE is, this
profitable eCommerce business in 2023.
course/mentorship has a frame work that allows you to understand the
fundamental parts of your eCommerce business and build it from the Backed by over 1,100 students and over…
ground up. ecommercescalingsecrets.com /
• Price point is around 5000$ as of early 2023 but prices for these kind of
services changes frequently so take the numbers with a pinch of salt like all
the other numbers in the book.

• A well renowned course with only good reviews. It´s considered one of
the most "complete / total package" courses for eCommerce/Drop Best Shopify Drop
shipping out there. Shipping Course!
• Two packages with different price plans where you can fit the one that
Franklin Hatchett
fits you. I do believe however, that if you have decided to go with
ecomelites.com as your course provider to setup your own eCommerce ecomelites.com
business, I would go with the Ultimate package considering the very
useful additional bonuses you get which will be useful on your
eCommerce journey. 197 & 297$. It´s more a course and less for a
personal mentorship so it suits the people that wants to go that route ad
save some money while taking more responsibility for the progress
themselves.

21
 E-commerce & White label
E-commerce and White label product service providers and investment forms

• Another eCommerce coach that provides similar services as the rest of them.
You basically get coached to setup and run your own FBA shop on Amazon. Amazon FBA
You will learn everything from talking and negotiating with suppliers, finding
products, how to create value and how to start sell. Learn how to sell on
• It´s a course and mentorship that suits someone that likes to be hands on and amazon
do the hard work themselves, otherwise you´ll end up spending the money
with minimal return but the potential is huge. ecomdave.com
• Around 3800$ for the mentorship and another 400$ for the software used to
research your products.
• They help you find a product and then it´s up to you to continue with more
products, the graphic design and the rest to make it a successful business.

• If you like to create graphic designs, templates and printable products such as
menus, wine bottle labels, gift tags and similar products in general this is the Home
complete course for you.
• The course fee is just shy of 300$ but if you like the process of graphic Create printables and sell
designs(you can be completely green as well, they teach you everything but on Etsy in days with Gold…
you need to have the interest to make it successful).
goldcityventures.com
• One of the more in depth course I have seen for a certain niche which in this
case is printables which literally covers everything.
• You will learn how to sell your products on Etsy where the competition is high
so you need to commit time to make this passive income start to generate
sales so you need to find your niche and really go all in on it. Once it´s up and
running it can be a brilliant passive income which you can add to whenever you
feel like it, whenever a new holiday and such occurs.
• If you find the right niche and are able to create beautiful designs you can
easily make 4 figures as passive monthly income but it requires a lot of work to
get there and I can´t stress this enough, it´s not a start making money day one
scheme.

22
 Commodities
Different commodities and ways to invest in them

You can invest in commodities in several ways but we would usually divide it between investing in the physical asset itself or a
certificate or a digital/paper product that either owns the physical asset or replicates the price movements of the physical asset.

Let´s take gold as an example; you can buy a bracelet, a gold bar or any other form of physical gold. You can also buy a digital
product that either serves as a proof that they own the underlying physical product or it can be a completely synthetic product
that is just replicating the price movement of the commodity, in this case gold. If the price of gold would go from 1900$to 2000$
in price your digital product would increase with the same amount.

This is of course more convenient than to try to sell a physical gold bar when the price has increased but you do of course pay a
fee for these digital products just like you would pay someone to store your gold bar.

Here is a number of ways you can invest in commodities:

1. Physical ownership: One way to invest in commodities is to own the physical commodity itself, such as gold bars, silver coins,
oil barrels, or agricultural products.
2. Futures contracts: A futures contract is an agreement to buy or sell a particular commodity at a set price and date in the
future. Futures contracts can be bought and sold on commodity exchanges.
3. Options: Options contracts give the buyer the right, but not the obligation, to buy or sell a commodity at a certain price and
date. Options can be bought and sold on commodity exchanges.
4. Exchange-Traded Funds (ETFs): ETFs are funds that track the performance of a particular commodity or a basket of
commodities. These funds can be bought and sold like stocks on a stock exchange.
5. Mutual Funds: Commodity mutual funds invest in various commodities and commodity-related companies, allowing investors
to access a diversified portfolio.
6. Commodity indices: Commodity indices track the performance of a basket of commodities and provide exposure to the broad
commodity market. These indices can be accessed through exchange-traded funds (ETFs) or mutual funds.
7. Commodity stocks: Some companies are engaged in the production, processing, or distribution of commodities. Investing in
these stocks provides exposure to the commodity market through a specific company.
8. Commodity currencies: Some currencies, such as the Australian dollar and the Canadian dollar, are heavily tied to commodity
prices. Investing in these currencies can provide exposure to the commodity market.
9. Commodity-linked notes: These are structured investment products that are linked to the performance of a specific
commodity or basket of commodities.
10. Commodity-based derivatives: These are financial instruments, such as swaps or forwards, that are based on the value of a
particular commodity. They can be used to hedge or speculate on commodity prices.

23
 Commodities
Different commodities and ways to invest in them

The reason to invest in commodities can be many.

Soft commodities are usually quite volatile(think sharp and quick price
movements up and down to make it easy to understand) and is usually best for
trading from very short to medium term. This isn´t for everyone and if you are
going to trade you need to spend a lot of time to become good and even then
almost 70% of traders end up loosing money. Soft commodities include grains,
coffee, sugar, cocoa, fruit and even live stock.

In the pile of hard commodities you´ll find Gold and other hard metals.

Only invest in things you understand. To explain each investment type within
commodities takes a whole book and that´s why there are so many books How To Buy Gold
written on the subject for people that are interested in it. I will recommend If you’re looking to buy gold, you don’t
some in the end of the book. have to convert your walk-in closet into a
tiny Fort Knox. In fact, the only storage…
For most people, investing in an ETF, a Fund or Stocks is usually a good way to
play this investment. Forbes Advisor / Feb 24
One thing is worth considering, if you invest in a fund or ETF with a broad focus
on commodities you can still end up with sub par investment returns as it´s not
sure that the oil or gold price will go up just because coffee and wheat is going
up so focus on the type of commodity you want to invest with and be selective.

Most people choose gold, silver or oil as people can relate to the reasons of the
price movement. The companies who works with the commodity is usually
consider almost a leveraged play on the underlying asset.
If Gold is going up 5%, the company who breaks/mines/extracts the Gold usually
goes up considerably more as people are now calculating their profits based on
the new Gold price which makes it almost like investing in Gold with x2-3
leverage (investment is multiplied both on the upside and down side).

On the next page I have given a few options on where to find commodities.
eToro covers pretty much everything including commodities in an easy to
understand manner just like most of the other online brokerages firms. How To Invest In Commodities
I have also provided two trusted providers of hard commodity portfolios that
will literally take care of everything from A-Z for you. Rising oil and gas prices have dominated
headlines recently, with some commodity
prices hitting record highs over the last…
Forbes Advisor UK / Feb 24

24
 Commodities
Investment options for commodities

• Worlds largest online investment gold service. Buy Gold, Silver & Platinum
• Bars are stored in professional-market vaults in Zurich, London, Toronto, Singapore or New Bullion Online
York. You choose where.
• You can sell at any time, without penalty, and your money will be wired the next business Buy gold and silver bullion online at
day. You can also withdraw your bars. live wholesale prices. Secure
• Buy/Sell Gold, Silver, Platinum and Palladium. insured storage in UK, US and…
• Wholesale storage rates and inusrance.
• Deal 24/7 bullionvault.com
• Deal in $, €, £ or Japanese Yen.
• A good source of current affairs through the "Gold news" section.
• The cost of ownership for the average BullionVault user who buys gold through our order
board and owns it for 5 years works out at 0.32% per annum - which includes all dealing,
storage and insurance costs.

• Trusted UK supplier.
• Buy Gold Coins Buy Gold
• Buy Gold bars Online |
• Invest via a monthly saver that will automate your investments over time. Physical Gold …
• Director´s pick: Let their trusted experts compose a portfolio for you.
• You can also buy silver which is more volatile but have increased amount of use cases. physicalgold.com
• Can ship it to you or store it for you in secured vaults.
• Plenty of guides and education on the webpage.

• Large trusted stock brokers with plenty of instruments to invest in any hard
commodity. Home |…
• Low fees. Leading online
• Trade 24/7. trading solutions…
• Trade from most countries and in most large currencies.
• Large education section, including how to buy and sell gold and silver. interactivebroker…

• One of the most intuitive platforms out there, excellent for beginners.
• Buy Gold, Silver, Platinum, Palladium, Copper, Nickel, Aluminium, Zink, Lead and From Stocks to
many soft commodities as well. Crypto: Invest
• Low fees. in 3,000+…
• 24/7 trading.
• Probably one of the most easy way to get exposure to the price fluctuations of the etoro.com
different hard commodities if you don´t want to own the physical form.

25
 Real Estate
Real estate as an asset class

There are several ways to invest in real estate, and some of the most common ways
include:

1. Rental properties: Purchasing a property, whether a house or a commercial space,

and renting it out to tenants.
2. House flipping: Buying a property, renovating it, and then selling it at a higher price.
3. Real estate investment trusts (REITs): Investing in a company that owns and
manages real estate properties. Benefits Of Investing In Real Estate
4. Real estate mutual funds: Investing in a mutual fund that invests in real estate- The benefits of investing in real estate
related companies.
compared to other investments are endless.
5. Real estate crowdfunding: Pooling funds with other investors to purchase a
property or invest in a real estate project. FortuneBuilders reviews the pros and cons …
6. Real estate partnerships: Partnering with other investors to jointly invest in a FortuneBuilders / Aug 12, 2022
property.
7. Real estate notes: Purchasing the debt on a property, such as a mortgage, and
collecting interest payments.
8. Short-term rentals: Renting out a property, such as a vacation rental, for short
periods of time.
9. Real estate development: Investing in the development of a property, such as
building a new housing complex or commercial building.
10. Lease options: Entering into a lease agreement with the option to purchase the
property at a later date.
11. Real estate through Blockchain technology: A company buying parts of a property
which you in turn can buy a part of and earn money from the return of the building
equivalent to your stake in it. The fractional investments are facilitated through the
use of Blockchain technology.

It's important to do your research and consult with a financial advisor before investing
in real estate, as each option comes with its own set of risks and rewards. Real estate
investments also differs from country to country with quite big differences in laws and How to Invest in Real Estate: 5 Ways
taxes. What works in US won´t work in Europe and vice versa to a large extent.
to Get Started
Few investment types offer as many options as real estate. Some are completely Investing in real estate can add
passive and some requires enough work to make it into your full time profession and diversification to your investment portfolio.
which type you choose will most likely depend on your life situation and your interest
Here are five strategies that can help you…
in real estate.
NerdWallet
House flipping & lease options as well as rental properties & short term rentals are the
most hands on investments you can do while REITs, mutual funds, crowd funding and
the rest is more or less completely passive. Partnerships and real estate development
are investments that can be both hands on and passive depending on the role you
choose and the structure of the partnership.

USA and UK have the most favourable markets for investments in physical real estate,
they have the most tax benefits, the best loan structures and the most opportunities
for someone that wants to go all in on real estate but you can obviously invest in any
market that you know well.

26
 Real Estate
Real estate as an asset class
As can be seen by reading the articles on the previous page, investing in real estate has many benefits.
Great tax advantages, physical tangible asset, your loan actually get´s less worth with inflation so it´s sometimes considered a hedge,
reliable cashflow as people always needs somewhere to live which appreciates with time, your asset will if history repeats itself increase in
value(appreciation part) which makes you be able to pull out equity(difference between your purchase price and the current value of the
property) which you can move into your next property, many different owning structures and last but not least leverage.
Leverage is one of the best parts of real estate investing. You can use OPM (Other Peoples Money aka the bank) to buy your property. See
example below:

Let's say you're considering purchasing a rental property for $100,000. You have $50,000 in cash, and you're trying to decide whether to
use all your cash to buy the property outright or to use leverage by taking out a mortgage for the remaining $50,000.

Here's an example of how leverage could increase your profit:

Buying the property outright with cash:

Purchase price: $100,000
Cash investment: $100,000
Annual rental income: $10,000
Annual expenses (property taxes, maintenance, etc.): $3,000
Net annual income: $7,000
Annual return on investment (ROI): 7%

Buying the property using leverage:

Purchase price: $100,000
Cash investment: $50,000
Mortgage amount: $50,000
Mortgage interest rate: 4% per year
Annual mortgage payments: $3,022
Annual rental income: $10,000
Annual expenses (property taxes, maintenance, etc.): $3,000
Net annual income: $4,978
Annual return on investment (ROI): 10%

As you can see from this example, using leverage increases your return on investment from 7% to 10%. This is because you're able to
generate rental income on the entire $100,000 property value, even though you only invested $50,000 of your own money. However, it's
important to note that leveraging also increases your risk, as you're taking on debt and have mortgage payments to make. It's important to
carefully consider the risks and rewards of using leverage in any real estate investment.

One of my biggest "idol" if you will in finance that I have already quoted several times in this book after reading many of his books, Warren
Buffett, once said (in an era where this was a bit more socially acceptable than it would be today) that the only things that can make you
broke is the 3 Ls: Ladies, Liquor & Leverage.
Leverage is great as long as it´s used with caution and smart but it´s well worth taking advantage off. Try to go to your bank and ask for a
loan to invest in crypto, stocks, wine or whiskey for example and see how well that will work out for you but a property on the other hand,
where the bank has a tangible asset that they can claim back is a different story and is more likely to go favourably for you. Real estate is
considered less risky and is many banks core business, property loans intended for you to buy yourself a home which you instead use to buy
an investment property to rent out or one where you live in and rent out part of, so called House hacking.

These days it´s easy to access other types of real estate investments through stocks, funds, investing in real estate loans etc from the
comfort of your home, either instead of physical real estate or as a complement to it.

27
 Real Estate
Real estate as an asset class & investment options

To invest in REITs can be a good way to get access to commercial real estate in different forms
and will provide you with good and steady cashflow. The risks are that the stock price can go
down and you would like to sell the stocks at that exact moment or that they can cut their
dividends if they need to preserve cash in the company for paying off loans or new
investments which can effect your cash flow negatively. REITs are trusts that need to pay out
a large portion of their profits in return for not being taxed on the profits which means more
cashflow to you.

Nowadays you can also invest in properties in and exciting ways;

• You can buy the loans developers need to finish a project earning you interest and dividend.
• You can invest in hotels and earn dividend through blockchain technology. (AZQIRA - For
full disclosure, I´m an early investor in the project.) Understanding real estate
• If you are a US citizen you can invest in syndicates that invests together to buy larger asset classes and property…
commercial estates(high entry as you need to be either an accredited or sophisticated
investor - see article on next page) Knowing the difference between
• Crowdfunding sites like www.Fundrise.com for properties only or www.YieldStreet.com for real estate asset classes and
multi assets for US clients. property types is key for investors…
• Full service investment platforms such as Anchor properties that helps Yacht Crew to buy
real estate from A-Z for a fee. (I want to empower the readers to learn and invest yieldstreet / Dec 11, 2019
themselves but if it´s of interest there are several providers of that type of service as well.
(See next page).

These are just some of the many new ways of investing in real estate. I haven´t even
mentioned the fact that you can buy virtual real estate these days inside the Metaverse which
companies do to set up shops, embassies and a bit of everything but I don´t know enough
about it to recommend it even though plenty of real estate investors do.
There have been thousands of books written about real estate investing for those who wants
to dig deeper into the world of real estate investing and I will give a few resources for this at
the end of the book.
On the following page I will list a few investment options for you to look into if you feel that
real estate is for you. (REITs you buy from your stock broker which are broken down in other
chapters.)

One thing I can say for certain, there is a reason that more or less every billionaire and even
billionaire (maybe excluding tech company founders) one way or the other is invested in real Council Post: A Guide To
estate. The equity, appreciation, cashflow and possibility to use leverage makes real estate a Investing In Real Estate…
hard to beat asset class that in my own opinion should form a part of everyone´s investment
portfolio regardless of how you choose to invest in it. If you’re interested in real estate
investing but not willing or able to
Real estate investments are very different between countries when it comes to tax, how to manage it all yourself, real estate…
finance, security for you and your responsibilities so make sure you do a lot of research in the
country you want to invest in to see what works there. Forbes / Oct 26, 2021

28
 Real Estate
Real estate as an asset class & investment options
• A new and revolutionary way of investing in the hospitality industry that is launching
2023. Azqira
• Start invest in hotels and earn return with as little as 100€.
• Fractional ownership means that you can invest in hotels for a small amount where all AZQIRA
due diligence has been made for you so you can just invest and start earning straight
away. azqira.com
• Liquid asset which earns you dividend payments.
• Visit the homepage to get onboard and understand this unique way of investing.
• For full disclosure; I have invested in Azqira at an early stage before it´s launch.

• Earn stable returns on secured loans.

• Many diversification options available including investing in many different countries. Home
• Secondary market to resell your loans available.
Invest in thousands of
• One of the largest players in this type of real estate investment.
• 10.73% p.a historic returns with higher returns for larger investments as you then can get loans to businesses…
an extra percent added to your investment in some cases. estateguru.co
• One of the reason I trust them is that I have had money on the platform for a long time
with good results and I have visited many of the buildings on the platform in Lithuania
and I have seen them being finished and sold while I was invested in them.
• Very structured way to secure your money in case of default for the borrower even
though that is very unusual.
• Get full disclosure of info when investing such as Loan to value, how the loan will be
secured, investment period, returns, how often they pay out the interest and a very
detailed investment prospect with info about the person taking the loan, the building it
will help fund and much more.

• A full Done For You service specialising in helping yacht crew but will of course help
people outside as well.
• They will do every thing from finding the property, connect you to a mortgage broker to
secure loans, solve all legal issues and paperwork, inspect the apartment, buy it for you
and manage the rental or sale for you.
• Transparent fees for a service created for a completely hands off service.
• UK based with good ears to the market. Anchor Property - Yacht Crew
Property Investment Made Simple
Anchor Property - Yacht Crew Property
Purchasing Made Simple

29
 Dividend Stocks & ETFs
Dividend stocks & ETFs as an investment form
Investment Thesis:

Investing in dividend-paying stocks and ETFs can provide investors with a reliable source of income and the potential for long-term
capital appreciation(another fancy word for a good increase in value).
Historical data shows that dividend-paying stocks and ETFs have outperformed non-dividend-paying stocks and ETFs over the long-
term.
Especially when reinvesting your dividends. This is important as it creates the compounded interest as shown in the graph in the
beginning of the book and in the graph below.

Historical Results:

According to data from Ned Davis Research, dividend-paying stocks in the S&P 500 have outperformed non-dividend-paying stocks
over the past 45 years. From 1972 to 2017, dividend-paying stocks had an average annual return of 9.25%, compared to 2.62% for
non-dividend-paying stocks. Furthermore, dividend-paying stocks have also been less volatile, with a lower standard deviation of
returns over the same period. Historical returns are no guarantee for future returns so keep that in mind!

A company that is paying a consistent dividend usually have a good financial situation which makes them less likely to encounter
problems in a financial downturn even though a cut dividend to strengthen up the balance sheet usually have a bad impact on the
stock price.

Companies that are paying a high dividend and doing share buy backs(basically the company buying back their own stock and either
delete them or giving them to people within the company as stock based compensation) usually have less need for new investments.
This could be because they have a very asset light business model(a company with a large inventory of clothes every season might
need to spend more money on filling their warehouses compared to an internet company with no inventory for example) or being an
old established company which already have their market share and needs less cash for new investments to grow.

Dividend-paying ETFs have also delivered strong historical returns. According to data from Morningstar, the iShares Select Dividend
ETF (DVY) has had an average annual return of 9.37% since its inception in 2003. This compares favourably to the average annual
return of 7.90% for the S&P 500 over the same period.

Image borrowed from https://www.wealthycorner.com/ where you can find plenty of useful articles, book recommendations or if you are
Canadian; let him help you with your finances through financial coaching.

30
 Dividend Stocks & ETFs
Investment Strategy:

To take advantage of the potential benefits of dividend-paying stocks and ETFs, investors can consider a few key strategies:

1. Invest in high-quality dividend-paying stocks: Look for companies with a long history of paying and increasing dividends, as well as
strong fundamentals and competitive advantages in their industries. Consider a mix of stocks that already have high dividend but
with small increase together with stocks that have lower dividend payout ratio(amount of the profits they pay out to you) that you
expect will be able to increase the dividend more in the coming years because of a likely increase in profits. Some companies have
paid out 70% for 10 years without increasing the dividend where some companies have only paid out 30% but they increase the
dividend with 10% per year.
2. Consider diversifying with dividend-paying ETFs: ETFs can provide investors with exposure to a diversified portfolio of dividend-
paying stocks, which can help reduce the risk of relying on a single company's performance. Please check the cost of the ETF before
purchasing it. If you compare two ETFs that are paying 5% in dividend but one is charging you 0.5% where the other is charging you
1.5% to own it, it´s almost always better to go for the cheaper one as the difference in return for you over a longer time horizon
becomes very big over time with just 1% extra cost. Financial advisors will recommend the ETF that gives the largest payday for them
and nothing else, they are not there for your interest, they are their to maximize their own profits. A financial advisor / firm / bank is
selling a product and they will always sell the product that benefit them rather than one that benefits you as an investor.
3. Reinvest dividends: Reinvesting dividends can compound returns over time and potentially boost long-term performance. This is key
for your total long term returns for this investment thesis. See the graph on the previous page.

Overall, dividend-paying stocks and ETFs can be an attractive option for investors seeking income and long-term growth potential. By
investing in high-quality companies with a history of dividend payments, and considering diversified ETFs, investors can potentially
achieve a reliable income stream and strong long-term returns.

This is one of my favourite types of investments. The reasons are many:

1. Low barrier of entry meaning you can start investing for a small amount and no large initial
investment is needed.
2. Plenty of different brokers makes it beneficial for you as the price to invest goes down and
you can compare until you find a broker that appeals to you.
3. Plenty of info available on the different stocks and funds both online and within the broker´s
own platform.
4. To own a diversified portfolio of stocks from different companies makes you almost without
knowing it follow these companies a bit extra to see what effects them and how they are
doing which in turn teaches you a lot about different industries, current affairs and even the
economy and politics as a whole. How Does Robinhood
Markets Make Money?
On the next page you can find some of the brokers that I would recommend looking into if you
want to begin´your journey into dividend investments. They are all large, trusted and well Robinhood Markets, the zero-
establish players. The one I can´t recommend despite many people in US using it is Robinhood, commission online brokerage
for the reasons listed in the link on the right. popular with millennials, is…
Forbes / Jul 23, 2021

31
 Dividend Stocks & ETFs
• Commission-free investing.
• Intuitive and easy to use platform.
• Plenty of different investment options including CFDs(don´t bother unless you
plan to trade), crypto, commodities, currencies and the list goes on.
• Investment into your ISA account which allows UK citizens to invest 20.000£ per
year without paying capital gains tax on your investment returns.

Learn. Trade. Invest.

Invest in Stocks and ETFs with zero
commission. Trade Gold, Oil, Currencies
and more. Trusted and secure.
Trading 212
• Commission-free investing.
• Intuitive and easy to use platform, probably the easiest to use platform out there.
• Plenty of different investment options including CFDs(don´t bother unless you plan to From Stocks to
trade), crypto, commodities, currencies and the list goes on. Crypto: Invest in
• Options to follow other traders and invest in their performance. 3,000+ Assets o…
• Fractional shares (buy a part of a stock so you can invest 50€ worth of a stock costing
you 500€ to buy the whole stock). etoro.com
• Education section.

• A large and trusted broker with soon 50 years in the business which is listen on the
Why Interactive
NYSE.
• Trade assets in 26 currencies. Brokers? |
• Excellent trading platform for serious traders. Interactive…
• Accept accounts to be opened by many different passports incl. South African.
interactivebrokers.c…

• Low fees.
• The unique selling point with Degiro is that they give you access to markets that Online Stock
other brokers don´t (outside of Funds/ETFs) like Australia, Japan, Hong Kong,
Poland and the list is long. They offer investments directly in stocks in these Trading -
markets which I would say is unique and something that is usually only offered to Stockbroking
larger private banking clients or institutions.
degiro.com

• For US clients. Can get assistance with taxes, pension plans etc specific to the US
clients.
Online Stock
• Commission free trading.
• Huge amount of investment options. Trading, Investing,
• Education platform. Brokerage | TD…
• Live chat customer service.
• Practice trading platform. tdameritrade.com

32
 Watches
Watches as an asset class and where to invest

There are several factors to consider when investing in watches, including

brand reputation, rarity, condition, and historical significance. Watches from
well-known brands with a history of producing high-quality timepieces tend
to hold their value better over time.
Limited edition or rare watches can also appreciate in value over time,
especially if they are in excellent condition.

It's essential to research the watch market and stay up-to-date on industry
trends to make informed investment decisions.
Working with a reputable dealer or auction house can also help ensure that
you are buying authentic watches and paying a fair price.

In general, vintage watches from well-known brands such as Rolex, Patek

Philippe, and Omega have shown to hold their value well over time and have A Beginner’s Guide to Investing
even appreciated in value in some cases. in Luxury Watches
For example, a Rolex Daytona owned by actor Paul Newman sold for $17.8
million at auction in 2017, making it one of the most expensive watches ever Luxury watches can be good
sold at the time. investments if you pick the right ones.
The most expensive watch ever sold is currently a Patek Philippe for $31.2 Learn which models hold value and the…
million in November 2021.
MoneySmart.Sg / Feb 23
Overall, watches can be a valuable addition to an investment portfolio for
collectors who are passionate about timepieces and are willing to put in the
time and effort to research and select the right watches to invest in.

It is unusual to pay someone to invest in watches on your behalf and

Watches is an investment form that requires a lot of interest in watches and
their trends. To get the best result, you need to follow the market closely to
know when to sell the watches and where because the price can differ a lot
if a certain watch has been spotted in a movie, on a celebrity or even if a rare
event like Covid occurs that in fact moved the prices a lot in a short period
of time compared to what´s normal.

How to Invest in Watches

Have you every wondered how to invest
in watches? Bezinga teaches you
everything you need to know about…
Benzinga /

33
 Watches
Watches as an asset class and where to invest

There are several online marketplaces where you can buy and sell watches.
Here are some popular ones:

1. Chrono24 - a global marketplace for luxury watches, with over 400,000 The World's Leading Watch…
watches from more than 10,000 sellers.
2. WatchBox - an online retailer and platform for buying, selling, and trading The largest selection of authentic
luxury watches, with a wide range of brands and models. luxury watches for sale: Rolex,…
3. Bob's Watches - a reputable online retailer that specializes in buying and
selling pre-owned Rolex watches. chrono24.com
4. Timepeaks - a Japanese online marketplace for luxury watches, with a focus
on high-end Japanese brands such as Seiko and Grand Seiko.
5. TrueFacet - an online marketplace for buying and selling luxury watches and Shop designer jewelry with me on
jewelry, with a strong focus on authentication and customer service.
Truefacet.
6. Govberg Watches - a luxury watch retailer and platform for buying, selling,
and trading watches, with a wide range of brands and models. Shop and sell top designer brands up to 70% off.
Use this link to get $70 off on your first order of
Remember to always do your research and verify the seller's reputation before $200+
making any purchases, especially when it comes to expensive luxury watches.
Below you´ll find two good options.

Buy, Sell, and Trade Govberg Jewelers | Luxury watch

Global Luxury Watch Certified Authentic… New & Pre-Owned… auction…
Platform Bob's Watches is the most Shop, trade & sell from Timepeaks is a
WatchBox is the global leader trusted name to buy, sell, one of the largest Japan-based
in pre-owned luxury watches. and trade certified… collections of new & us… luxury watch…
Buy, Sell or Trade the most… Bobswatches.com govbergwatches.com Timepeaks
h

34
 Currencies & Forex
Investing in currencies
Introduction:

The global currency markets are a large and dynamic space where individuals, 5 Ways to Invest i…
corporations, and governments exchange currencies for various reasons such as
international trade, investment, and speculation. Currency markets are known to be As the economies of
highly volatile, presenting opportunities for investors who have the right expertise several countries…
and market knowledge.
investopedia.com
Market Opportunity:

Currency trading has seen a significant surge in popularity in recent years, with an
average daily trading volume of around $6.6 trillion according to the Bank for
International Settlements. This growth in popularity is due to the increasing
globalization of the economy, the rise of electronic trading platforms, and the ability
to trade around the clock. Adding to that is the fact that people feel the effects of
their currency loosing value compared to other countries´ currencies so people are
forced to take action. Example of this is the South African Rand, the Turkish Lira, the
Egyptian pound and many other currencies.

Marketplaces:

To invest in currency markets, an investor needs access to a marketplace that

provides liquidity.
There are several marketplaces that provide these services, including: A Beginner's Guide to Investing
in Foreign Currency
1. Foreign Exchange (Forex) Market: The Forex market is the largest marketplace for
currency trading, with a daily trading volume of around $5.3 trillion. It is an over- Many day traders make a living betting
the-counter (OTC) market where traders buy and sell currencies directly with on the movements of foreign currencies.
each other, without a central exchange. We review whether forex and investing…
2. Futures Markets: Currency futures contracts are traded on exchanges such as the
Chicago Mercantile Exchange (CME) and provide a standardized contract size, S tA t
expiry date, and settlement price. These markets are regulated and provide
transparency and stability for investors.
3. Options Markets: Currency options contracts provide investors with the right but
not the obligation to buy or sell a currency at a predetermined price and time.
Options markets provide flexibility and risk management tools for investors.

35
 Currencies & Forex
Investing in currencies

Investment Strategy:

Some popular currency investment strategies include:

1. Trend Following: This strategy involves identifying market trends and buying or selling
currencies accordingly. It is based on the assumption that the trend will continue until
there is a significant change in market conditions.
2. Carry Trade: This strategy involves borrowing in a low-interest-rate currency and
investing in a high-interest-rate currency. The goal is to earn the interest rate differential
between the two currencies.
3. Fundamental Analysis: This strategy involves analyzing economic and political factors
that affect currency prices, such as inflation rates, central bank policies, and geopolitical
events.

Conclusion: Forex trading

Investing in currency markets can be a lucrative opportunity for investors who have the How foreign exchange trading works
right expertise and market knowledge. and the risks involved with investing
in them.
The Forex market, futures markets, and options markets provide investors with various
marketplaces to access currency trading. moneysmartteam
However, investing in currency markets also involves risks, and investors should carefully
consider their investment goals and risk tolerance before entering this market.

You´ll find brokerages that offers currency trading where you buy stocks and crypto.

36
 Crypto
Crypto as an asset class

Overview

Cryptocurrencies have become a popular alternative investment asset class in recent years. While the concept of digital
currencies has been around for decades, the advent of Bitcoin in 2009 has led to a proliferation of cryptocurrencies, with more
than 4,000 currently in circulation.
Cryptocurrencies offer several advantages over traditional assets, including decentralization, anonymity, and lower transaction
costs. However, they are also subject to significant volatility and regulatory uncertainty. In this investment thesis, we will
examine the historical results of cryptocurrencies, the various types of cryptocurrencies, and the different ways to invest in
them.

Historical Results

The first and most well-known cryptocurrency is Bitcoin, which has had a tumultuous history. In its first few years of existence,
Bitcoin experienced several major price fluctuations, including a high of nearly $20,000 in December 2017, followed by a
decline to under $4,000 in December 2018. Since then, Bitcoin has recovered and surpassed its previous highs, reaching a peak
of over $60,000 in April 2021. Despite the volatility, Bitcoin has outperformed many traditional asset classes over the past
decade, with an average annual return of over 200%.

Other cryptocurrencies have also seen significant price increases in recent years. Ethereum, the second-largest cryptocurrency
by market capitalization, has risen over 10,000% since its launch in 2015. Other cryptocurrencies such as Ripple, Litecoin, and
Dogecoin have also seen significant price increases, albeit with higher volatility than Bitcoin and Ethereum.

Types of Cryptocurrencies

There are several types of cryptocurrencies, each with its unique features and use cases. Bitcoin and Ethereum are the two most
well-known cryptocurrencies, but there are thousands of others, each with its unique features and value propositions.

Here are a few examples:

Utility Tokens: These are cryptocurrencies that provide access to a particular product or service. For example, the Basic
Attention Token (BAT) is used to reward users for viewing advertisements on the Brave browser.
Security Tokens: These are cryptocurrencies that represent ownership of an underlying asset or security, such as stocks or
real estate.
Stablecoins: These are cryptocurrencies that are pegged to the value of a particular asset, such as the US dollar. Stablecoins
are less volatile than other cryptocurrencies and are often used as a store of value or for remittances.

37
 Crypto

Smart contracts and DeFi are two interconnected concepts that have emerged as major
use cases for blockchain technology. A Dive Into
Smart
Smart Contracts: Contracts and…
A smart contract is a self-executing contract that is stored on a blockchain. It is a piece of coinmarketcap.c…
code that contains the rules and regulations of a contractual agreement between two or
more parties.
The terms of the contract are automatically executed when certain conditions are met.
The code is transparent and immutable, meaning it cannot be changed once it has been
deployed to the blockchain.
Smart contracts eliminate the need for intermediaries and provide a trustless, efficient, and
secure way of executing agreements.

DeFi:

Decentralized Finance (DeFi) refers to a set of financial applications and protocols built on
top of blockchain technology. DeFi aims to provide traditional financial services in a
decentralized and transparent way, without the need for intermediaries like banks.

DeFi protocols typically use smart contracts to execute transactions automatically, and the
code is open source and auditable by anyone.
Examples of DeFi applications include lending and borrowing platforms, decentralized
exchanges, stablecoins, and yield farming protocols.

The connection between smart contracts and DeFi is that smart contracts are the
underlying technology that powers DeFi applications. Smart contracts allow for the
automation of financial transactions, and when combined with blockchain technology, they
provide a secure and transparent way of executing agreements without the need for
intermediaries.

DeFi protocols use smart contracts to automate various financial services, such as lending,
borrowing, trading, and asset management. The decentralized nature of DeFi also enables
anyone with an internet connection to access these services, regardless of their location or
background.

Overall, smart contracts and DeFi represent a paradigm shift in how we think about
financial transactions and agreements. They offer a more transparent, efficient, and secure
way of conducting financial activities, and have the potential to transform the traditional
financial system.

38
 Crypto

Different use cases for a few different large Cryptocurrencies:

1. Bitcoin (BTC): Bitcoin is often considered the "gold standard" of cryptocurrencies and is used primarily as a store of value and
medium of exchange. It is used for peer-to-peer transactions, cross-border payments, and as a hedge against inflation.
2. Ethereum (ETH): Ethereum is the second-largest cryptocurrency by market capitalization and is used primarily for its smart
contract functionality. Smart contracts allow for the creation of decentralized applications (dapps) on the Ethereum
blockchain, which can be used for a variety of purposes such as decentralized finance (DeFi), gaming, and social media.
3. Binance Coin (BNB): Binance Coin is the native token of the Binance cryptocurrency exchange and is used primarily for trading
fees and discounts on the platform. It is also used for staking and voting on the Binance Smart Chain. Cronos(CRO) has similar
use cases on Crypto.com.
4. Ripple (XRP): Ripple is a cryptocurrency that is used primarily for cross-border payments and remittances. It is designed to
facilitate fast and low-cost transactions, making it attractive to financial institutions and banks.
5. Polygon (MATIC): Polygon is a layer-2 scaling solution for Ethereum, which means it provides faster and cheaper transactions
compared to the Ethereum network. Polygon can be used for a variety of decentralized applications (dApps) such as gaming,
marketplaces, and decentralized finance (DeFi) protocols. Some popular dApps on Polygon include Aave, SushiSwap, and
QuickSwap.
6. Avalanche (AVAX): Avalanche is a high-performance blockchain platform that aims to be a more scalable alternative to
Ethereum. It is designed to support the creation of smart contracts, decentralized applications, and interoperable blockchains.
Avalanche can be used for various use cases, such as DeFi, gaming, and supply chain management. Avalanche's platform also
allows for the creation of custom blockchains with specific use cases and requirements.
7. Cardano (ADA): Cardano is a third-generation blockchain that focuses on sustainability, security, and scalability. It is designed
to be a platform for building decentralized applications and smart contracts. Cardano can be used for various use cases, such as
voting systems, supply chain management, and identity verification. Cardano's unique proof-of-stake consensus algorithm also
allows for more energy-efficient transactions compared to other cryptocurrencies.

Overall, these cryptocurrencies offer various use cases for different types of applications, ranging from DeFi and gaming to
supply chain management and identity verification. As the cryptocurrency market continues to grow and evolve, we may see
even more innovative use cases for these and other similar-sized cryptocurrencies.

Ways to Invest in Cryptocurrencies

There are several ways to invest in cryptocurrencies, each with its advantages and risks. Here are a few examples:

Direct Investment: This involves buying and holding cryptocurrencies directly. This approach requires a cryptocurrency wallet
and is subject to the risk of loss due to theft or loss of the private key. Direct investment can also be subject to significant
volatility and is not recommended for investors with a low risk tolerance.
Cryptocurrency Funds: These are investment vehicles that invest in a diversified portfolio of cryptocurrencies.
Cryptocurrency funds can offer professional management, diversification, and lower volatility than direct investment.
However, they are subject to the risk of fraud and may have high fees.
Futures and Options: These are derivative products that allow investors to speculate on the price of cryptocurrencies without
owning them directly. Futures and options can offer leverage and hedging opportunities but are subject to significant risk and
may not be suitable for all investors.

39
 Crypto

You can invest in crypto on more or less every brokerage firm where you find stocks,
currencies and the rest these days as well as large dedicated exchanges listed below. They
offer very similar options with slight difference in fees and options.

Different Ways to Make Money in Crypto:

1. Trading: Trading cryptocurrencies involves buying and selling them for a profit. This can
be done on cryptocurrency exchanges, which allow users to buy and sell cryptocurrencies
with fiat currencies or other cryptocurrencies. Trading can be done manually or with the
help of trading bots, which use algorithms to buy and sell cryptocurrencies automatically.
2. Mining: Mining involves using computer power to solve complex mathematical equations
Should You Invest In Crypto?
and earn rewards in the form of cryptocurrencies. This is typically done with specialized
hardware and software and can be profitable if done on a large scale. Cryptocurrency has taken the world
3. Staking: Staking involves holding cryptocurrencies in a wallet or on a platform and by storm. Since 2009, when the first
earning rewards for helping to secure the network. This is typically done with proof-of-
cryptocurrency—Bitcoin—was…
stake (PoS) cryptocurrencies, which require users to hold a certain amount of
cryptocurrency to participate in the network. Forbes Advisor / Feb 16
4. Investing: Investing in cryptocurrencies involves buying and holding them for the long
term. This can be done with a direct investment in cryptocurrencies or through
investment vehicles such as cryptocurrency funds or exchange-traded funds (ETFs).
Investing in cryptocurrencies can be risky but can also offer significant potential for
returns over the long term.

The best place to buy Bitcoin, Bitcoin Exchange |

Ethereum, and 250+ altcoins Cryptocurrency Exchange
Join the 80M users who are investing with Binance cryptocurrency exchange - We
Crypto.com. Access an ecosystem of operate the worlds biggest bitcoin
crypto-related products, including the… exchange and altcoin crypto exchang…

crypto.com binance.com

40
 Glossary
A
Asset Allocation: The process of diversifying investments across different asset classes, such as stocks, bonds, and real estate, to
manage risk and maximize returns.

B
Bear Market: A market in which stock prices are falling, and investors are pessimistic about the future.

C
Capital Gains: The profit realized from the sale of an asset, such as stocks or real estate, that has increased in value since its
purchase.

D
Diversification is the strategy of spreading an investment portfolio across a variety of different asset classes, industries, sectors,
and geographic regions. The goal of diversification is to reduce the overall risk of the portfolio by minimizing exposure to any one
particular investment or asset class.

E
Equity: In terms of properties; If you bought a house for 100.000€ which you have renovated and it´s now worth 150.000€ you
have now created 50.000 in equity that you can borrow against(allowed to borrow more than originally) so you can basically ask
your bank you get this equity paid out by increasing the loan which you in tern can invest in the next property or something else.
There are many other types of equity as well, for example brand equity. The value and power of a specific brand / label is it´s brand
equity. If I have a white t-shirt where I put my own logo compared to if Nike put their logo on it, their brand equity allows them to
put a higher price tag on it as they have brand loyalty, brand awareness and perceived value built up over time.

F
Financial Advisor: A professional who provides investment advice and financial planning services to individuals and organizations
for a fee.

G
Growth Stock: A stock of a company that is expected to grow at a faster rate than the overall market, often with higher earnings
growth potential and a lower dividend payout.

H
Hedge: A strategy used to reduce risk by taking an offsetting position in a related security or market. If you own a lot of stocks but
you are pretty sure the market will go down considerably soon, you can buy a product betting on the fact that this will happen as
an "insurance" of this so if your stock gets less worth at least the product you bought (your hedge) will increase in value and offset
some of the losses.

I
Inflation: The rate at which the general level of prices for goods and services is rising, reducing the purchasing power of money.

J
Just-in-time (JIT) - A manufacturing or inventory management system that aims to minimize waste and maximize efficiency by
delivering materials and products only when they are needed. This is what caused many of the bottle necks experienced in the
supply chains during Covid-19 and many companies are now going away from this model by having larger inventories of the
products.

41
 Glossary
K
KPI: A key performance indicator (KPI) is a measurable value that helps organizations assess and track progress towards specific
business objectives. KPIs typically reflect the critical success factors for a business or project and can be both financial and non-
financial in nature. For example, some common financial KPIs include revenue growth, profit margin, and return on investment
(ROI), while non-financial KPIs may include customer satisfaction, employee engagement, and website traffic.
KPIs are useful for setting targets and goals, monitoring performance, and making data-driven decisions. They can also help
organizations identify areas for improvement and measure the impact of their actions over time.

L
Leverage: The use of borrowed money or financial instruments to increase the potential returns of an investment, but also
amplifying the risk of losses.

M
Market Capitalization: The total value of a company's outstanding shares, calculated by multiplying the number of shares by the
current market price.

N
Net Asset Value (NAV): The value of a fund's assets minus its liabilities, divided by the number of shares outstanding, representing
the per-share value of the fund.

O
Option: A contract that gives the holder the right, but not the obligation, to buy or sell an underlying asset at a specific price and
time.

P
Portfolio: A collection of investments held by an individual or organization, typically diversified across different asset classes and
sectors.

Proof of Work (PoW) and Proof of Stake (PoS) are two different mechanisms for validating transactions and maintaining the
security of a blockchain network.
Proof of Work is the original consensus algorithm used in the Bitcoin network. In PoW, miners compete to solve a complex
mathematical puzzle, and the first one to solve the puzzle gets to add a new block to the blockchain and is rewarded with a certain
amount of cryptocurrency. The difficulty of the puzzle is adjusted periodically to ensure that new blocks are added to the
blockchain at a consistent rate. PoW is known for its high energy consumption, as miners need powerful computing resources to
compete with each other and solve the puzzle.

Proof of Stake is a newer consensus algorithm used in networks like Ethereum 2.0. In PoS, instead of miners, validators are
responsible for creating new blocks and maintaining the network. Validators are chosen based on the amount of cryptocurrency
they hold and are willing to "stake" or lock up as collateral. Validators are incentivized to act in the best interest of the network, as
they stand to lose their stake if they behave maliciously. The likelihood of a validator being chosen to create a new block is
proportional to the amount of cryptocurrency they have staked. PoS is generally considered to be more energy-efficient than
PoW, as it does not require the same level of computational power to validate transactions.

In summary, PoW and PoS are two different methods for validating transactions and maintaining the security of a blockchain
network. PoW involves miners competing to solve a mathematical puzzle, while PoS involves validators staking cryptocurrency as
collateral to validate transactions. While both mechanisms have their strengths and weaknesses, PoS is generally considered to be
more energy-efficient and scalable than PoW.

42
 Glossary
Q
Quantitative Analysis: The use of mathematical and statistical methods to analyze and evaluate investment opportunities and
market trends.

R
Return on Investment (ROI): The profit or loss generated on an investment, expressed as a percentage of the initial investment.
dividend included.

S
Stock Split: A corporate action in which a company increases the number of its outstanding shares, reducing the market price per
share and increasing liquidity.

T
Technical Analysis: The use of charts and other tools to analyze past market data and identify patterns and trends that can guide
investment decisions.

U
Utility stock - Shares of a company that provides essential services, such as electricity or water, typically known for their stable
dividend payments.

V
Volatility: The degree of variation in the price of an investment or market, indicating the level of risk and uncertainty.

W
A warrant in finance is a derivative security that gives the holder the right, but not the obligation, to buy or sell an underlying asset
(such as a stock or commodity) at a specified price and date. They can be traded on exchanges just like stocks, and their value is
influenced by the price of the underlying asset, as well as factors such as volatility and time to expiration.
There are two main types of warrants: call warrants and put warrants. Call warrants give the holder the right to buy the
underlying asset at a specific price (called the exercise or strike price), while put warrants give the holder the right to sell the
underlying asset at a specific price.
Warrants can be used as a way to speculate on the price of an underlying asset or to hedge against potential losses.

X
eX-Dividend: The period after a dividend has been declared but before it is paid, during which the stock trades without the
dividend included.

Y
Yield: The income generated by an investment, typically expressed as a percentage of the investment's value.

Z
Zero-coupon bond - A type of bond that is sold at a discount to its face value and does not pay interest, but instead pays out the
full face value at maturity. Buy a bond for 80 cent to the dollar and get 1$ paid out at "maturity" also known as expiry.

43
 RESOURCES & CONCLUSION
For everyone that wants to learn more about investments, finance, health, personal growth and mindset;
I have gathered a few books & podcasts where you can learn more and find inspiration.

Books

1. "The Psychology of Money" by Morgan Housel

2. "Rich Dad Poor Dad" by Robert Kiyosaki
3. "The Millionaire Next Door" by Thomas J. Stanley and William D. Danko
4. "The Automatic Millionaire" by David Bach
5. "The Richest Man in Babylon" by George S. Clason
6. "One Up On Wall Street" by Peter Lynch
7. "Beating the Street" by Peter Lynch
8. "The Real Estate Game" by William J. Poorvu
9. "The Book on Rental Property Investing" by Brandon Turner
10. "The ABCs of Real Estate Investing" by Ken McElroy
11. "The 4-Hour Work Week" by Timothy Ferriss (not strictly about investment or property, but includes useful tips on
building passive income streams).
12. "The Warren Buffett Way" by Robert G. Hagstrom
13. "Poor Charlie´s Almanack" by Charles T. Munger
14. "Think and Grow Rich" by Napoleon Hill
15. "The 7 Habits of Highly Effective People" by Stephen Covey

Podcasts

1. Naval
2. Founders
3. Huberman Lab
4. Motley Fool Money
5. The School Of Greatness
6. Entrepreneurs on Fire
7. The Weekly Juice
8. The Tim Ferriss Show
9. The Smart Passive Income Online Business and Blogging Podcast
10. The GaryVee Audio Experience
11. The Exit
12. Invest Like the Best
13. Macro Voices
14. Bigger Pockets

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 RESOURCES & CONCLUSION
I have probably read about 100 books on investing, finance and mindset by now and I listen to 30-40 hours of podcasts per week but
the books and podcasts on the previous page are a good base to start with.

I would say that if you want to start reading books on these subjects, start with the two books I listed first, Rich Dad Poor Dad and The
Psychology of Money. These books are an absolute must read and the Rich Dad Poor Dad is listed by most influential property investors
as the book that got them into investing and especially property investing. The Psychology of Money is just brilliant in every sense of
the word and there is a reason that it has sold so well and been translate into so many languages.

The podcasts are all worth a listen but check them out and find your favourites. I find that an important factor to investment and wealth
is to create an abundance mindset without limiting believes. Surround yourself with people that lift you up and inspire you on your
investment journey and support each other to achieve great things. If the people around you is limiting you by not believing in you nor
supporting you on your journey to financial freedom then cut them loose and focus on the people that push and inspire you. The final
words of the Entrepreneurs on Fire podcast listed above is the classic phrase that you are the average of the 5 people you spend the
most time with so make sure you surround yourself with like minded people.

I will leave you with these words and I hope that I have managed to broaden your investment horizons and hopefully inspired you to
start thinking about your why, what wealth means to you and what path you want to take to achieve it! IF you achieve great relative
financial wealth, don´t forget where you came from and don´t forget to give back to the less fortunate!

Create the legacy you want to leave behind! Provide value to people and remain humble and good things will come your way as a result
of your actions!

I´m humbled by the fact that you have decided to read my compilation of investment ideas in the form of this book and I would like to
take the time to say thank you to my fiancée for putting up with me while writing this book. It has taken me considerably more time than
I first expected(I haven´t spent ages getting every word and grammar correct though, I have just kept on writing and that´s how it had to
be to not make it feel like a school project rather than a passion project) but it´s finally ready for you all to read and it´s something that I
will remain proud of and happy to have completed.

Thank you!

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