투자 전략에서 마진 계좌의 위험성

### 투자 시 마진 계좌의 위험과 고려 사항
* 💰 케빈은 투자자가 추가 투자를 위해 **브로커리지 계좌를 담보로 돈을 빌릴 수 있는 금융 뮤턴트의 마진 계좌 사용**에 대해 문의합니다.
* 📉 마진 계좌를 사용하지 않는 이유에 대한 쉬운 대답은 **높은 이자율**로 인해 현재 마진 계좌의 실용성이 떨어지기 때문입니다.
* 🏠 그러나 레버리지는 이미 **3~5%의 계약금**으로 첫 주택을 구입할 때 모기지를 사용하는 것과 같은 재무 전략에 존재합니다.
* ⚠ 연사는 마진 대출과 관련된 위험에 대해 경고하며, 금융 침체가 발생했을 때 **"알몸으로 헤엄치는 것"**에 비유하며 먼저 탄탄한 재정 기반을 마련하는 것이 중요하다고 강조합니다.
* 📊 워렌 버핏의 투자 철학은 **리스크가 잠재적 보상보다 큰 경우**가 많기 때문에 포트폴리오를 극단적으로 활용하기보다는 기회를 잡기 위해 **현금을 쌓아둔다는 점**을 강조합니다.
* 🔍 마진 투자에 참여하기 전에 **최상의 시나리오와 최악의 시나리오**를 모두 신중하게 평가하여 감수하는 리스크가 정당한지 확인해야 합니다.
* 💡 궁극적으로 건전한 금융 관행을 따르는 사람들은 **마진 계좌 없이도 목표를 달성**할 수 있으므로 이러한 위험을 감수할 필요가 없을 수 있습니다.

마진 계좌는 정당한 보상 없이 위험을 증가시키므로 신중한 투자자에게는 현명하지 않습니다.

[Music] here's the next question. This one's from Kevin. This one's interesting. Um, I know your answer, but I don't know which direction you're going to go with it. Kevin asks, Hey, why don't you guys use margin accounts for your money guy mutant investors? For those of you that don't know, margin just means, Hey, sometimes financial institutions where you hold your brokerage accounts will actually let you borrow money against those accounts. So, if I have $100,000 in an investment account, they might issue to me margin where I can borrow $50,000 against that account. You know, I can do that $50,000. I can then go invest that $50,000. So, I'm actually investing 150% of what I was able to have invested. That's the way a margin account works, and you got to pay it back, and it accrues interest. And so, Kevin's question is, Hey, for financial mutant, right, why don't you do that? Why isn't that a strategy that you guys pursue? Well, I'm

going to give you the easy answer, and then I'm going to give you the actual logical answer too, so you can understand there's a why behind this. The easy answer right now: interest rates are high. It's not even a viable thing with interest rates where they are. But even if we get into a lower interest rate environment, let me tell you when and where this might make sense so you don't fall into this siren song of the benefits of Leverage on all aspects of your life. Look, if you look at our financial order of operations, there's already elements of Leverage. You think about your first home purchase. That is a leverage opportunity. We're going to tell you to put down 3 to 5% on your first house. You're going to go mortgage the rest. That is you taking advantage of Leverage with the real estate of your primary residence. Margin is one of those things where you could use the leverage either to just borrow off of your assets, or you even could have access to investing more.

with a margin loan. But realize anything that is levered, there's risk. Mhm, you know, and it, it look, you can maximize, it can be a multiplier when you use leverage effectively, but you know what my, my favorite Uncle Warren talks about is that when the tide goes out, you can tell who's swimming naked, who's skinny dipping. What happens, Brian, if someone has a margin loan out and all of a sudden the tide starts going out? I mean, because realize these things, they don't, when it rains, it pours, guys, 'cause you will lose your job, stock market will go down 25%, banks will just stop lending money because they're scared to death too, and you're sitting there just butt naked, just not knowing what to do with yourself, and you're going to get caught in a bad situation because you didn't get steps one through seven. If you want to know what to do with your money and where you can do lever debt, I think it's really a step eight of where I talk about abundance goals in

the financial order of operations because you'll have the financial foundation underneath you so you can hopefully weather whatever gets thrown at you financially so you don't get yourself in a situation but don't do it too early Kevin by the way I don't I think I said butt necked where it's Buck necked you know there's people say it all different ways I just wanted to cover that part too that part was for free that wasn't even part of the I can see the I can see everybody around here just going which way did he just say it cuz I know there's all kind of and now I watch enough YouTube videos I don't even know what to I like you both ways so that we got both of them in there here's be buck deer that's sitting out there it could be you know somebody's you know rear end naked I don't know I don't you know I don't know yep I love it I think that's great here's what when it comes

to making financial decisions. You're back to Kevin. One of the things you always have to make sure of is you have to assess the risk that you're taking on, and is it really worth it. Here's a real practical example. I could be really, really risky and keep no cash on my emergency reserve, and chances are I'll be fine if no emergency happens. I can get those invested. I can have them working for me. But realistically, what was the benefit? What was the benefit that I received relative to the risk that I took on? I put, I hung it all out there, put it all at risk, and if it went bad, it could take me. And if it goes good, I have a few more dollars. I have a slightly higher percentage. I have a slightly better rate of return. I think margin investing is very much inside of that same vein. It's one of the reasons why you look at one of the most successful investors ever, Warren Buffett. He talks about this in shareholder letters. Hey, we build up cash, and what we do is wait for opportunities.

and we deploy cash to be able to take advantage of opportunities. He doesn't say, Hey, we leverage our portfolios to 170%. We make sure we maximize our equity exposure, da da da da da da da, because he recognizes that the risk that you're taking on in doing that does not justify even the potential reward. So, before you enter into some kind of transaction like that, make sure it's a great time. Even though we don't often talk about this way, it's a great time to put on the 3D glasses. The reason that you would margin is because you're already thinking about the dream plan. What is the absolute best outcome from this? You need to spend some time in the doooo plan. Okay, if it goes wrong, what am I sacrificing? What am I going to put myself at risk on? What are the things? What are the hard decisions I might have to take? And if I have to do that, was all of this even worth it? And I think you're going to find, Kevin, if you're a

financial mutant doing all the stuff that you're supposed to be doing the way you're supposed to be doing it. You just don't have to take on that kind of risk. Between me mispronouncing stuff and then you talking about the 3D glasses and the doooo plan, this might be the first video ever that's going to get an explicit lyric thing. It's going to be like NWA and then the money guys show because of this one clip. NWA and the money gu, those are honestly when you're listening on Spotify. I think those two normally play right after each other, money guy and then and of I love it.

Why Don’t You Use Margin Accounts for Your Money Guy Mutant Investors?

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마진 계좌를 통해 투자자는 자신의 브로커 계좌에서 돈을 빌릴 수 있어 잠재적으로 투자 여력을 늘릴 수 있습니다.

현재 고금리로 인해 마진 계좌를 통한 차입은 실용성이 떨어집니다.

금융 질서에는 이미 내 집 마련을 위한 주택담보대출과 같은 레버리지 요소가 포함되어 있어 마진 계좌의 필요성이 줄어들고 있습니다.

마진 대출은 수익을 증폭시킬 수 있지만 상당한 위험도 수반합니다.

금융 침체기에 마진 대출을 받은 개인은 실직과 주식 시장 하락에 직면하여 불안정한 상황에 처할 수 있습니다.

레버리지 부채를 고려하기 전에 탄탄한 재무 기반을 갖추고 체계적인 재무 운영 질서를 따르는 것이 중요합니다.

잠재적 보상이 감수하는 위험을 정당화해야 하므로 재무 결정을 내릴 때는 위험을 평가하는 것이 중요합니다.

비상 준비금에 현금을 전혀 보유하지 않는 것은 위험해 보일 수 있지만 얻는 이득은 미미한 경우가 많습니다.

워렌 버핏과 같은 성공한 투자자들은 주식 노출을 극대화하고 과도한 위험을 감수하기보다는 현금을 쌓아두고 기회를 기다리는 것을 강조합니다.

재정적 성공을 위한 색다른 접근 방식

화자는 전통적인 접근 방식과 대조적으로 재정적 성공을 달성하기 위한 독특하고 위험이 적은 방법을 강조합니다.

이 동영상은 잘못된 발음과 색다른 언급을 유머러스하게 섞어 노골적인 콘텐츠 경고로 이어질 수 있습니다.

화자는 자신의 콘텐츠와 NWA의 음악을 유쾌하게 연결하여 스포티파이에서 예상치 못한 조합을 강조합니다.