Alex Divinsky: AI Stocks Investment Strategy for 2025

In this video, Alex Divinsky @TickerSymbolYOU‬⁠ https://www.youtube.com/@TickerSymbolYOU is living off his investments — and in this interview, he reveals how to live entirely off an AI-driven investing strategy. The AI boom: are we in a bubble or not? His bold portfolioHow to spot winners before Wall Street doesThe psychology of investing (why behavior = 90% of your returns)His advice for average investors who don’t want to spend 40 hours a week on researchIf you’ve ever wondered how to survive market swings, avoid panic-selling, and actually enjoy investing, this conversation will give you a fresh perspective. Alex on YouTube: https://www.youtube.com/@TickerSymbolYOU DISCLAIMER:This content is for informational purposes only and should not be construed as financial advice. Always consult with a qualified financial advisor before making any investment decisions. Links: Follow my Newsletter:⁠⁠⁠ https://siliconvalleygirl.beehiiv.com/⁠⁠⁠ https://siliconvalleygirl.beehiiv.com/ Companies & Products: ⁠⁠⁠https://Marinamogilko.co⁠⁠⁠ https://Marinamogilko.co Instagram: ⁠⁠⁠https://www.instagram.com/siliconvalleygirl/ ⁠⁠⁠ https://www.instagram.com/siliconvalleygirl/ YouTube: ⁠⁠⁠https://www.youtube.com/@SiliconValleyGirl⁠⁠⁠ https://www.youtube.com/@SiliconValleyGirl LinkedIn: ⁠⁠⁠linkedin.com/in/marinamogilko⁠⁠⁠ https://www.linkedin.com/in/marinamogilko/ X: ⁠⁠⁠https://x.com/siliconvalleymm⁠⁠⁠ https://x.com/siliconvalleymm

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Speaker 00

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• 1:00Speaker 02

  Big investments that I've made recently have been

• 1:02Marina Mogilko?

  So like 40% in a single stock?

• 1:04Speaker 02

  Yes.

• 1:04Marina Mogilko?

  This is Alex. He's a money nerd and he's been paying for his lifestyle with his investments for the past 10 years. When I met him at dinner and he told me about his investing strategy, I realized right away that I need to bring this to you guys because this is something I'm striving for and this is something I'd encourage everyone to look at.

• 1:22Speaker 02

  People are panicking. That's exactly when you want to be greedy.

• 1:24Marina Mogilko?

  In this episode, we're going to dig deep into his investment strategy. We're going to break down the AI bubble. We're going to talk about what he invests in and how he sees the future. And of course, the psychology of smart investing. How not to buy high and not to sell low. Let's dive deeper into this conversation with Alex. For an average investor like me, what would be the ideal portfolio if I want to win in this AI era?

• 1:47Speaker 02

  The best thing to do almost always in the stock market is Hey guys, welcome to Silicon Valley Girl.

• 1:53Marina Mogilko?

  My first question is, are we in a bubble?

• 1:55Speaker 02

  Are we in a bubble?

• 1:56Marina Mogilko?

  Yeah.

• 1:57Speaker 02

  I think certain kinds of stocks are definitely in a bubble and certain kinds are not. So for example, right now, hardware, you know, the infrastructure for AI is definitely not in a bubble. You know, we're already seeing some revenue returns on the infrastructure for AI. And we're seeing like a big explosion in demand for the compute power associated with AI. So I think the underlying infrastructure, you know, the servers, the data centers, the chips, things like that are definitely not in a bubble. I think we'll see certain software companies that are claiming to be AI software companies today. We'll see their valuations skyrocket and then drop. So those might be in a bubble today. I think it'll be a few years before we see the next Facebook, the next Google, the next

• 2:43Speaker 02

  big software companies associated with AI.

• 2:46Marina Mogilko?

  Interesting, because a lot of people talk about like this dot com crash, right? When all the valuations were through the roof and suddenly everything's gone. Are we going to see something like that, do you think?

• 2:55Speaker 02

  I don't think so. I think, you know, we will in certain sectors for sure, maybe not as extreme. But I think what you're, like, if you look at the balance sheets of a lot of these companies, you'll see that their revenues and their profits are following their valuation. So for example, Nvidia, sky high price, right? But if you look at their earnings per share and their PE ratio.

• 3:15Marina Mogilko?

  Can you explain to everyone's watching what it means and what's a good number?

• 3:18Speaker 02

  Sure, yeah. So when you think about a stock's price, which is really based on its market cap, so that that kind of tells you how highly valued the company is. And then when you look at its earnings, that's literally, you know, you take it's the number of shares of that company, the number of shares outstanding, and how much money it generates in profit per share, right? So the higher that number, the better. So there's kind of two ways to control that number, right? You can earn a lot more money or you can decrease the amount of shares.

• 3:48Marina Mogilko?

  What's a good number?

• 3:49Speaker 02

  Uh, for a P E ratio.

• 3:50Marina Mogilko?

  Yeah.

• 3:51Speaker 02

  It kind of depends on the company and honestly, what kind of P E ratio you're looking at. But I try to look at forward P E ratios, which means a prediction of the next 12 months of earnings. Probably under like 30 is what I would say. And so really you'll hear different numbers from different people. So for example, value investors tend to want lower P ratios like 15, 12, even.

• 4:13Marina Mogilko?

  Because they're hoping for.

• 4:14Speaker 02

  Because, because they don't want to pay a high price per earnings, per dollar earned, right? The flip side of that is if you just look at the P E ratio, what you're really ignoring is the growth of the company. And when you're talking about A I and other like pretty relatively new industries, they're growing very fast. So earnings is like a snapshot, right? It's like taking a picture of a balance sheet and saying this is a number. But in reality, next quarter, those earnings will look very different. And then the quarter after that, and then the quarter after that. So looking at a forward P E ratio and taking a, like thinking about what they'll be making next year or in two or three years, or even five years can sometimes be a better estimate of.

• 4:55Marina Mogilko?

  Is how accurate are those?

• 4:56Speaker 02

  So it depends. So the way the industry likes to do it is they look at analyst estimates and they take the average. Something I've noticed is analysts are usually incorrect, um, usually sometimes by a lot. So that's part of my job, um, is to sort of understand the science behind the stock, if you will. That's what my YouTube channel is about. Um, and really what that means is understanding it from a product first perspective, because if you back up for a second, we've been talking about earnings, we've been talking about profits, we've been talking about prices, but all of those are really led by a company selling a product or service, right? So by the time they report their earnings and that news comes out, they've already done a lot of business. So you can actually probably figure things out faster if you understand the product, the service,

• 5:41Speaker 02

  the experience that company provides, because then you can make a decision before those numbers even hit the balance sheet, if that makes sense. So that's, that's kind of why I'm at conferences like this is to look at Nvidia, look at Amazon Web Services, look at these publicly traded companies and try to understand more about the products and services they offer. What that means for. Their revenue, what's that going to mean for their margins going forward? Uh, and make investment decisions so that by the time it hits the news, I'm already invested.

• 6:07Marina Mogilko?

  Yeah. So what are you investing in right now?

• 6:09Speaker 02

  Yeah. So, uh, big investments that I've made recently have been in Nvidia. Yeah.

• 6:13Marina Mogilko?

  How, how much of your portfolio is it is Nvidia?

• 6:17Speaker 02

  Um, right now it's down to like about forty percent. So it used to be like.

• 6:21Marina Mogilko?

  Like forty percent in a single stock?

• 6:23Speaker 02

  So it used to be even more. And that's because, so I've been holding Nvidia stocks since twenty sixteen. So they've been.

• 6:28Marina Mogilko?

  Good for you.

• 6:29Speaker 02

  Yeah.

• 6:29Marina Mogilko?

  Are you buying the dip as well when everything crashed to the terrace, remember?

• 6:32Speaker 02

  Yeah. Uh, so I didn't buy that one, but Nvidia has actually crashed by over twenty or thirty percent several times in the last maybe eighteen months now.

• 6:41Marina Mogilko?

  So you track it and you buy?

• 6:42Speaker 02

  So I track it and you know, buy or at least like, um, slowly average more in. Uh, and then a little while ago, I sold about a third of my shares.

• 6:52Marina Mogilko?

  Why?

• 6:53Speaker 02

  I, I got married, so I paid for my wedding. I paid for my honeymoon, real life expenses. So, you know, um, I had to adjust my portfolio accordingly. Yeah.

• 7:01Marina Mogilko?

  How's your hold? Can you?

• 7:02Speaker 02

  Yep. So I've been, I've been, uh, talking about a stock called Palantir for, um, about three years now. So I first started investing in Palantir in twenty twenty-two or twenty twenty-three. Um, I started buying it at about, I want to say like eleven dollars a share. I sold it at around twenty-five a share. I sold about a third of my position. Ended up buying it back. Uh, you know, I reevaluated my thesis. I actually made videos on both sides. Made a video saying, hey, I don't like these few things about the stock. Then a couple of people in the Palantir community pointed me towards like different things to look at. Decided I was wrong, came out with another video, bought back in at around maybe like twenty-eight, thirty-two dollars.

• 7:47Speaker 02

  And now I believe it's at like a hundred and thirty-five dollars a share.

• 7:50Marina Mogilko?

  Wow.

• 7:50Speaker 02

  So it was another like.

• 7:51Marina Mogilko?

  How much of your portfolio is Palantir?

• 7:52Speaker 02

  Yeah, uh, another like probably twenty, twenty-five percent. And so let me, let me make a good distinction here. So I didn't buy it to become that, right? When I bought these stocks, they were eight, 10, maybe 12% of my portfolio.

• 8:05Marina Mogilko?

  And now they just blew by.

• 8:05Speaker 02

  And because they grew, yeah. And so usually what I do is I buy and then I just hold for a long time because it can take a while for these companies to mature. And then for the stock market to understand what these companies offer. So for example, whether we want to talk about Nvidia or Palantir, their earnings trailed. You know, what I'm trying to say is it wasn't easy to hold the stock because for a long time, they were losing money on their research. Right. They were unprofitable or nearly unprofitable. Nvidia was a gaming company first, transitioned to data centers. And that transition took a long time for them to become profitable in that segment and start growing in that segment. Meanwhile, they were declining in their gaming revenue, right?

• 8:48Speaker 02

  So it just looked like the business was going down. It's the same story with Palantir. They had a big government segment and then they were spinning up their commercial segment. And for a while, their government business was slowing down and their commercial business didn't make up the difference. So understanding the product is what got me in the stock before their earnings caught up to what they were actually doing.

• 9:10Marina Mogilko?

  What was your background?

• 9:11Speaker 02

  Electrical engineering. So I'm not a finance guy. You know, my background is I have a bachelor's in electrical engineering, a master's in basically data science, and then an unfinished PhD in AI.

• 9:23Marina Mogilko?

  Thank you. You have perfect education for work.

• 9:24Speaker 02

  Yeah, yeah. So, so I'm very lucky, you know, so.

• 9:28Marina Mogilko?

  So 40% Nvidia, 20%?

• 9:31Speaker 02

  About like 25% Palantir.

• 9:33Marina Mogilko?

  25% Palantir, what else?

• 9:34Speaker 02

  The rest is honestly companies straight from the NASDAQ. You know, a big believer in Google, big believer in Amazon.

• 9:39Marina Mogilko?

  So individual stocks or?

• 9:41Speaker 02

  So a big portion of my portfolio is the NASDAQ 100, the index itself. You know, I hold another index called SPMO. That's the S and P momentum index. And so what's special about that one is it only picks from companies in the S and P 500, but it tracks them based on momentum. So the relative amount that they've gone up in the last, I believe, four quarters, so 12 months. So those two indexes make up a good chunk of my portfolio so that I'm a little bit diversified. But then individual stocks and I usually pick from those. Same in the indexes. So Google, Microsoft, Amazon, Broadcom is a big stock that I cover.

• 10:17Marina Mogilko?

  Is selling ever part of your strategy apart from personal expenses?

• 10:20Speaker 02

  Absolutely. So, you know, uh, no matter who you are, a stock can get like way overheated very fast. Sometimes, you know, Palantir moved, for example, I think it was like, it's up like eighty percent this year. That's a little too hot to handle. So I don't really sell out of a stock completely, but I'll trim it over time. Right? So Nvidia is a great example. Palantir is a great example. I might reduce my exposure from like forty percent of my portfolio, which is way too much, down to something like twenty five. So

• 10:50Marina Mogilko?

  And reinvest in NASDAQ or?

• 10:51Speaker 02

  Reinvest in the NASDAQ. Yeah. So I try to always make my money work for me instead of work for my money. So typically, if I don't know what to do with it, I'll put it in the indexes, treat that like a cash position. And then what happens is because some of my shares in these indexes are more than a year old, I can withdraw them and only pay capital gains tax.

• 11:10Marina Mogilko?

  Yeah.

• 11:10Speaker 02

  So that's what I use to fund my next investments.

• 11:13Marina Mogilko?

  Interesting. So when we talk about, just want to understand your income proportions. Does most of it come from YouTube now or stocks are also like a?

• 11:22Speaker 02

  Yeah. So about ten percent of my income comes from YouTube, maybe a little more, ten, fifteen, something like that. The rest comes from investing.

• 11:29Marina Mogilko?

  So you can say investing is your full-time job, right?

• 11:31Speaker 02

  Investing is definitely my full-time job. So I

• 11:34Marina Mogilko?

  How much time does it take a week?

• 11:36Speaker 02

  Uh, I, you know, I treat it like a real job. So for me, I probably spend forty hours a week researching. And so what I actually do is I try to monetize that research as many ways as I can. So the first and primary way is definitely my own investments. You know, if you shut down my YouTube channel today, I would just be focused on investing for myself. Second way is sharing my research on YouTube, right? So that's my YouTube videos. Third way is I actually advise a couple of family offices, pretty small family offices, but same thing, you know, it's, it's just like the content on my YouTube channel, but they're just asking more specific questions about more specific companies, some public, some private. And again, it's all AI and semiconductor focused, so chip focused. Um, and they're just really looking to understand how to protect their wealth in the event of a bubble, right?

• 12:21Speaker 02

  So, um, you know.

• 12:22Marina Mogilko?

  What's your advice there?

• 12:24Speaker 02

  Yeah, so, uh, don't have crazy amounts of exposure in one or two publicly traded companies would be a good start.

• 12:30Marina Mogilko?

  Which is the opposite.

• 12:31Speaker 02

  Yeah, which is the opposite of what I do, right? So I find that people who are like very, very wealthy, they're not really looking for, you know, two, three, five, 10x stocks, right? They're looking for safe bets that meet or outperform the market and what they want to do is minimize their risk, right? So it's a very different strategy for them, you know, they're already diversified across a lot of different asset classes as well. So what they actually end up looking to me for when I get in contact with them is to stress test an existing thesis in a company they already have. Like, will Amazon continue powering roughly a third of the internet? Or when things move to AI, will the next big cloud service look very different from Amazon?

• 13:13Marina Mogilko?

  What do you think about that? That's a great thing to think about that.

• 13:16Speaker 02

  So I do think that Amazon Web Services, Google Cloud, Microsoft Azure, they're, they're putting themselves in a position to kind of have their cake and eat it too. They power a large portion of the traditional internet and they're investing heavily in AI to power a big portion of the generative internet, right? So I think because they're able to spend the many, many billions of dollars uh, to build up that infrastructure, they'll be very hard to disrupt no matter what. Because just like family offices, these are really like companies that are portfolios of technology, right? Google's not just a search engine, it's a cloud service provider, it's the Chrome browser, it's the Android operating system. It's Google Deep Mind, you know, there's all these pieces to their portfolio.

• 13:58Marina Mogilko?

  Yeah.

• 13:59Speaker 02

  So when Google loses a little bit of market share in the search space, for example, which was like in the news lately, you know, they dipped under 90% market share in search. They actually have a large portfolio of technologies, products and services to fall back on and other ways to make that up.

• 14:13Marina Mogilko?

  So for an average investor like me who can't spend all my time investing and like researching, what would be the ideal portfolio if I want to win in this AI?

• 14:22Speaker 02

  Yeah, so I'm gonna.

• 14:24Marina Mogilko?

  Not lose everything.

• 14:24Speaker 02

  Sure, sure. So I'm gonna say something a little bit controversial here. So the typical advice, and by the way, I'm not a financial advisor, right? I'm not qualified to give financial advice.

• 14:33Marina Mogilko?

  Typical thing you say.

• 14:35Speaker 02

  And it's very true. So like, you know, if you were to establish like a serious amount of money in an account today, you should go seek a professional and talk to them, right? But if I was in your shoes, what I would do is instead of building the traditional advice that you would get today is build a sixty forty portfolio, right?

• 14:52Marina Mogilko?

  Your age and the rest.

• 14:53Speaker 02

  Exactly. And and that proportion slides as you grow older, right? In my opinion, where you want to diversify is outside of stocks, right? So you want to hold some real estate. Maybe you want to hold some crypto or some precious metals or whatever, collectible, whatever, whatever you think is um a good asset to hold, right? And inside stocks, what you want to do is decide how much risk you're willing to take. And that really depends on what kind of stocks you want to buy versus how much you should put in indexes. So for example, instead of a sixty forty stocks, bonds portfolio, maybe it's a sixty forty indexes, individual stocks portfolio, right? So the, when my friends ask me.

• 15:35Marina Mogilko?

  So no, no bonds.

• 15:36Speaker 02

  So in my opinion, no bonds, right? Uh, that's certainly not mainstream advice, but what I would do is I would put money in the S and P five hundred and the NASDAQ. Yeah, so I would prefer the NASDAQ, but if you aren't so comfortable with like the big ups and downs. That's really, S and P five hundred is a great index. It's performed super well, long history and track record of great performance. Um, a little more risky, but a little more rewarding over the long term would be the NASDAQ one hundred. Still very diversified, a hundred tech companies across a wide variety of different technologies. You know, you got your Nvidia's. Your Broadcom's, but you also have software companies, cybersecurity companies, really all sorts of different technologies.

• 16:20Speaker 02

  So I would do the NASDAQ. And then the rest, I like picking individual stocks from like the top and the middle of those indexes. Because those indexes already have good criteria for a company to be in them. So all the individual stocks I hold, like there's no magic, right? They're at the top of the S and P five hundred. They're at the top of the NASDAQ. And so what I really do is I try to find. And the losers in those indexes and by losers, I just mean the historic underperformers, not that they're bad companies, just that their growth in the stock market has underperformed the index and I just try to avoid those. So there's a good saying, you know, if you want to be a great gardener, it's not about planting the right plants. It's about stripping away all the things that stop those plants from growing. So what I try to do is, yeah, so

• 17:05Speaker 02

  that's it. I'm just looking to, you know, plant my flowers. Those are the individual stocks and try to minimize my exposure to the things that stop them from growing.

• 17:13Marina Mogilko?

  So for a 35 year old like me, what would be the percentage of those things that you mentioned NASDAQ 100, S and P 500 and some individual stocks?

• 17:21Speaker 02

  Yeah. So if you never want to think about the market again, you do it once and then you go away for 30 years and you hope that, you know, you just want to retire.

• 17:28Marina Mogilko?

  Still want to do dollar cost averaging, right?

• 17:30Speaker 02

  So that's what I would do. But you know, a lot of people automate that, for example. So like, you know, a hundred bucks a month, a thousand bucks a month, whatever you feel appropriate, you know, you're just investing it into this mix.

• 17:40Marina Mogilko?

  So what's the mix?

• 17:41Speaker 02

  Yeah. So the mix would be, in my opinion, something like 25% S and P 500, maybe another 40% NASDAQ 100. So that's already two thirds of your portfolio. Now you're safe and in the indexes, right? You can rest easy knowing you have 500 companies spread across your portfolio, right?

• 18:00Marina Mogilko?

  Yeah.

• 18:01Speaker 02

  And then the other 35%, 30, 35%, I would pick individual stocks. And the way I like to do it is I like to invest in things I know. So my channel is focused on sort of expanding people's knowledge about things. So they feel comfortable holding those stocks. When they dip 20, 30, 50%, which Nvidia does, Palantir does, Broadcom does, all these high rewarding stocks, they crash just as much as they go up, right?

• 18:26Marina Mogilko?

  Yeah, psychologically it's so hard, especially if that's your

• 18:29Speaker 02

  Yeah.

• 18:30Marina Mogilko?

  single portfolio.

• 18:31Speaker 02

  And whether you're a retail investor, an institution, a family office, whatever, your behavior and your psychology is 90% of your returns. I strongly believe that. The, there was a great study by Fidelity and they said the top performers in their entire suite, you know, Fidelity manages trillions and trillions of dollars in assets. Guess what they all had in common?

• 18:51Marina Mogilko?

  They were over sixty years old.

• 18:54Speaker 02

  They were all dead. They were all dead.

• 18:56Marina Mogilko?

  See.

• 18:57Speaker 02

  So they, yeah, they just couldn't touch their portfolio, right? So they let it ride, you know what I mean? They never sold, which means they never panicked.

• 19:03Marina Mogilko?

  Yeah.

• 19:03Speaker 02

  So that's a good reminder that the best thing to do almost always in the stock market is nothing. Right?

• 19:09Marina Mogilko?

  Wow.

• 19:10Speaker 02

  So even though my channel's about stocks and updates and buy this and buy that, it's because a lot of new people funnel in. They find my channel, they're, they have new money to allocate. They just found me for the first time. But the average viewer I find that I talk to, they only make one or two investment decisions per year. They'll rebalance maybe quarterly. They'll get into a new stock. They'll decide to sell, sell just like I did because they have a real family expense. They'll watch one of my videos on a stock they were thinking about selling and decide to hold some of it. Maybe only sell half what they thought. So it's, it seems action packed when you're making content about stocks every week. But it really is like for the average viewer, it's supposed to be just a data point. Another data point, another, and then they go about their life, you know?

• 19:54Marina Mogilko?

  What about dollar cost averaging when the market is up and down?

• 19:57Speaker 02

  Yeah.

• 19:57Marina Mogilko?

  So many times in a week?

• 19:59Speaker 02

  Yeah.

• 19:59Marina Mogilko?

  Like, I remember five years ago, I would talk to my financial advisor and he would say like once a month.

• 20:04Speaker 02

  Yeah.

• 20:04Marina Mogilko?

  Now we're like maybe once in two weeks. I don't know, because there's, it just happens fast.

• 20:08Speaker 02

  So I think dollar cost averaging, there's like no right answer. I do think dollar cost averaging more often makes a lot of sense because then you just have like a smoother average. You can imagine if you only invest once a year and you, you.

• 20:21Marina Mogilko?

  You're in some bad day.

• 20:22Speaker 02

  Yeah.

• 20:23Marina Mogilko?

  You're like.

• 20:23Speaker 02

  So there's definitely, um, a lot of money can be made by buying low, right? Not just selling high, but actually buying at a great valuation. So dollar cost averaging more often sort of smooths that out for you. If you have one bad day, it's a smaller proportion. So let's say you invest a thousand dollars a month. Maybe that's really five hundred dollars every two weeks or two fifty every week. You know, it's the same number, the same cadence.

• 20:46Marina Mogilko?

  You still can automate, right? You don't have to do it math.

• 20:48Speaker 02

  Still automate. Yeah, you know, if you want to invest twenty bucks a day, like it sounds a little silly, but it's really not a bad strategy because it just smooths out that whole, the whole worry about timing or mistiming the market goes away when you're just averaging in.

• 21:00Marina Mogilko?

  Wow. Do you hold in cash?

• 21:02Speaker 02

  How much do I hold in cash? So I tend to hold like less than 5% in cash, which is again not mainstream advice.

• 21:08Marina Mogilko?

  How many months of runway for your family?

• 21:11Speaker 02

  Oh, so in my safety fund, like outside of my portfolio, so because I own my own business, I tend to hold nine months in cash.

• 21:17Marina Mogilko?

  Nine months.

• 21:18Speaker 02

  And that's just because like, you know, if my business goes under, that's the sole income for like the family and things like that. So, and because I don't have a W2, like a reliable, stable employer, I, I like a long runway. Believe it or not, I'm actually a conservative investor. Based on everything, like the topics of my channel, you wouldn't guess that.

• 21:34Marina Mogilko?

  Yeah, even by looking at your portfolio, I wouldn't say you're conservative.

• 21:38Speaker 02

  Yeah, yeah. But again, you know, top of the index is the biggest companies in the world, which by definition makes them some of the safest, right? So.

• 21:45Marina Mogilko?

  But do you ever wake up in the night and think like, hey, maybe we're approaching another 2008? Because of the tariffs or whatever is going on in the world, do you ever have these thoughts?

• 21:55Speaker 02

  Of course, you know, I, I think that's a real part of the challenge, you know? And then the question is, okay, you have the thought, what are you going to do about it? Is the answer to.

• 22:04Marina Mogilko?

  Sell.

• 22:05Speaker 02

  Sell everything? Yeah. So, um, since the tariffs uh got announced and we hit our bottom, right? I believe the market is up something like 30%.

• 22:15Marina Mogilko?

  Did you buy that? You didn't buy anything?

• 22:17Speaker 02

  So I ended up buying the dip and I made a bunch of videos about it, you know, as we, I tracked something called the fear and greed index, which is a great index, it's run by CNN. And what it does is it tracks all these different metrics to help determine how fearful or greedy the average investor is in the market in that moment.

• 22:33Marina Mogilko?

  That's a good one. Never heard of that.

• 22:34Speaker 02

  Yeah. So fear and greed index, and the thing to know is like Warren Buffett says, right? You want to be greedy when others are fearful. So it turns out the bottom of the market, when, you know, everything was going on with China tariffs, was also the bottom of this fear and greed index. So I made a video saying the fear and greed index, it goes from zero to 100, it was at a three. Extreme fear, panic in the market, blood in the streets, right? So to speak. So I was talking about the stocks I was buying, exactly what I was doing in that moment. And the market's up, I want to say like over 20% since then.

• 23:04Marina Mogilko?

  Fascinating.

• 23:05Speaker 02

  So there, there are all these other indicators you can look at to sort of get an idea, right? And it's not like fear index is low, go buy, right? We're not trying to time the market, we're just trying to get a little more data before we make a decision either way, right?

• 23:17Marina Mogilko?

  Have you ever panicked sold?

• 23:18Speaker 02

  Of course, of course, yes. I think every good investor, part of becoming a good investor, it's just like any other skill. You start by being a bad investor, you know what I mean? Yeah, so for sure. And you can see in like the early days of my channel and even before that, I've lost plenty of money, right?

• 23:35Marina Mogilko?

  By selling.

• 23:35Speaker 02

  By selling, by not buying, by, yeah, of course. I've made every mistake in the book and I don't like, I don't know anyone who's really good at anything, who didn't start by being very bad at that thing first, right? So, yeah.

• 23:47Marina Mogilko?

  What would be your advice for people who are panicking?

• 23:50Speaker 02

  For people who are panicking?

• 23:51Marina Mogilko?

  Thinking of selling for maybe something happens in the next two weeks and we all have this thought of like maybe.

• 23:56Speaker 02

  Yeah, I, I think there's, there's like two really good sets of advice. The first is if you, if you think prices are gonna go down, right? If I was going to Louis Vuitton tomorrow and I thought that prices were gonna go down, I would probably be pretty excited, right? Because I'd be getting something I want at a discount.

• 24:13Marina Mogilko?

  Yeah.

• 24:13Speaker 02

  So if you really believe in the stocks that you hold, you're probably actually should be pretty excited for that discount.

• 24:19Marina Mogilko?

  I think you probably just lose trust at that stage when everything's going down.

• 24:22Speaker 02

  Yeah, yeah. It's easy to do that, but you gotta remember, things are going down because other people are panic selling, right?

• 24:30Marina Mogilko?

  Yeah.

• 24:30Speaker 02

  So if people are panicking, that's exactly when you wanna be greedy. So the right thing to do there is actually reassess what you hold, which is hopefully you're investing in things you already know, which is again, kinda like the point of what I do, right? And if you believe in what you hold, Nvidia, Pound here, whatever else, and you understand it, then when it goes down, you're happy because you're dollar cost averaging. So you're getting more shares per dollar, right? So that's the first thing. The second thing is if you're really set on panic selling, you just, I can't take it anymore, don't do it all at once, right? So just like you want a dollar cost average in, people forget you can also dollar cost average out.

• 25:05Marina Mogilko?

  Oh, yeah.

• 25:05Speaker 02

  Right? So a great thing to do is I'm out, great, sell 10% of your position and then reassess. Because the number one thing that I hear from people is right after they hit that sell button, they get seller's remorse, just like when you pull the trigger and you make a purchase and then all of a sudden you're like, oh my God, why did I just spend all that money? Same thing on the other side. So sell 10%, sell 15%. Don't, never sell 100% of anything all at once.

• 25:30Marina Mogilko?

  I love that. What about other stocks? So we talked about giants, right?

• 25:33Speaker 02

  Yeah.

• 25:33Marina Mogilko?

  What about the Tesla stock? What about? What about smaller startups would just IPO'd and are emerging?

• 25:39Speaker 02

  Sure, sure. So, so I would classify the Teslas and the Metas of the world as still giant stocks. I think Tesla is still over a trillion dollars in market cap. Facebook, everybody knows.

• 25:49Marina Mogilko?

  They're so.

• 25:49Speaker 02

  Yeah, and you're gonna see that a lot, right? Like, if it's, if it touches AI, it's gonna be up and down because AI sentiment changes every day, right? AI is amazing, AI is a hype cycle. You know, AI cured cancer, AI is just a chatbot, you know what I mean? So it's gonna go up and down. So, one of the things that I focus on is like deep research, right? Understanding the science behind the stocks.

• 26:13Speaker 02

  Jensen just gave a great keynote, and he talked a lot about where the world is heading in terms of data centers. So, the Blackwell chips, one thing that's special about them is they require liquid cooling. So, traditional data centers have these big fans, they push a lot of air through them to keep things cool. But if you can liquid cool things, you can make things a lot smaller, which means you can pack a lot more compute in like a rack, which means each rack can provide a lot more service, a lot more AI, a lot more data, which means you can pack a lot more in a data center. But it requires liquid cooling. So, one of the things that I've been looking at lately is a bunch of publicly traded liquid cooling companies. Who are the vendors for Nvidia? Who are the vendors for AMD? Who are the vendors for Qualcomm?

• 26:56Speaker 02

  Right, so, again, tying this back to not just what are the balance sheets today, but where's the world gonna be tomorrow, right? So, liquid cooling is a great example. There's a lot of talks about quantum computing, like.

• 27:08Marina Mogilko?

  Robots.

• 27:09Speaker 02

  Robots.

• 27:09Marina Mogilko?

  You don't believe in them.

• 27:11Speaker 02

  Uh, so I don't believe in humanoid robots today, right? I do believe that ultimately humanoid robots will be something that, you know, they'll be walking out around us. They'll be doing certain manual labor jobs, but I think if you take a step back, the, so, the reason people are so gung ho about humanoid robots is the world is built for humans, right? You know, you can imagine somebody manning that camera, a humanoid robot should be able to man that camera. Sweeping a floor, a humanoid robot should be able to do anything a human can do, right? But if you take a step back and you look at any task, a human is way over-engineered to do almost any task we just talked about, right? So, you know, cleaning a floor doesn't require a human.

• 27:56Speaker 02

  Yeah, it's like a robot. Yeah, you know, a little robot, self-cleaning mop, self-cleaning vacuum, and you're done, right? So, you know, you don't want to build this whole complex brain, opposable thumbs, all these extra joints. Absolutely. To sweep up, to mop a floor, yeah. To mop a flat surface, right? Yeah. You can think of a lot of these other jobs the same way. Partpicking, for example, Amazon, they employ over 750,000 robots. So they're actually one of the world's biggest employers of robots today, not in the future already, right? Almost none of them look like humans. So that's probably a good sign that, you know, future robots will also mostly not look like humans. For example, car factories, heavily mechanized, right? Car fact, you know, big, heavy parts, assemblies, a lot of things going on.

• 28:40Speaker 02

  Why don't those robots look like humans?

• 28:42Speaker 00

  UKG is the workforce operating platform with unified HR, payroll, and workforce management. Built to solve the unique challenges of frontline work. Powered by People First AI and decades of labor data, UKG turns workforce intelligence into real-time decisions around staffing, pay, compliance, and productivity, enabling every worker to confidently take action as work happens. Because when work works, everything works. Learn more at ukg.com/work. UKG, HR, Pay, and Workforce Management.

• 29:12Speaker 01

  Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and Affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy terms and conditions.

• 29:43Marina Mogilko?

  Beautiful.

• 29:43Speaker 02

  Yeah, because like, yeah, their form factor is better suited to most of these tasks. It makes most sense. A lot of these tasks are highly repetitive. Serving a drink. Why aren't those robots looking like humans? My barista is a human, right? Why isn't the Starbucks robot, the coffee robots, a human?

• 29:58Marina Mogilko?

  Uh huh. So how do you invest? Do you invest in robots?

• 30:01Speaker 02

  Uh, I try to invest in companies that have a lot of exposure to what's called like the robotic stack. So Nvidia is a great one for that. Nvidia has a whole set of hardware.

• 30:10Marina Mogilko?

  I feel like Nvidia covers the whole AI.

• 30:11Speaker 02

  It really, it really does.

• 30:13Marina Mogilko?

  Invest in AI, right?

• 30:13Speaker 02

  It really does. It's a great pick for just, I don't want to think about or learn AI. You know, there's so much to this. What do I do? I just want one or two companies. Nvidia should be among those, in my opinion.

• 30:23Marina Mogilko?

  But could it get disrupted?

• 30:24Speaker 02

  Yes, and I think they will get disrupted in certain markets for sure. So Nvidia makes chips that are called GPUs, right? Uh, GPUs, what's special about them is they're very broad, right? So they can do a whole bunch of AI computing tasks very well, but they're not specialized. Broadcom is one of their biggest competitors because they make what are called ASICs, application-specific integrated circuits. So those are really, really, really good, much like better than Nvidia's chips, but at a much narrower set of tasks. So if there are ASICs that can beat Nvidia in certain things, and people have enough demand for those workloads, they're gonna buy ASICs and not Nvidia's chips. But the easy answer is just hold both stocks, right?

• 31:07Speaker 02

  Like, one of the things that I look at, and what, like especially for family offices, one of, part of my job is helping them understand, hey, if you just buy these two or three stocks, you actually own most of the market. So a good example for GPUs, if you just hold Nvidia and AMD, you're done. No matter who wins, you have exposure to the two companies who make GPUs, right? If you hold Nvidia and Broadcom, you hold the two companies for supplying all the data center chips that aren't being made in-house, right? So you can play this game a lot of different ways. Find like a basket of two, three, four stocks that give you broad exposure to an entire market. So when that market grows, you don't really care about who the winner is.

• 31:49Marina Mogilko?

  What about space?

• 31:51Speaker 02

  Um, I think space is pretty far out still, you know, I know SpaceX is

• 31:54Marina Mogilko?

  So you don't invest in it?

• 31:55Speaker 02

  I tend not to invest in space, yeah. I think that's a little further out. Um, I think space will ultimately be the single biggest industry on the planet. I'm just not so sure it's in my lifetime, so I tend to look for things that um, provide returns between a five-year time horizon and thirty years, which is when I kind of expect to retire, put down the camera, you know?

• 32:15Marina Mogilko?

  How many years, sorry?

• 32:16Speaker 02

  About thirty.

• 32:17Marina Mogilko?

  Thirty years?

• 32:18Speaker 02

  So I'm, I'm thirty-seven today.

• 32:20Marina Mogilko?

  Thirty years?

• 32:20Speaker 02

  Yeah, I love it. I love this job, you know, I'm, I'm really passionate. I love engineering. I love being able to apply it to finance. So I plan on retiring when I don't look good on camera anymore.

• 32:29Marina Mogilko?

  But maybe then with AI.

• 32:30Speaker 02

  Exactly. I'll be, I'll be forty forever.

• 32:33Marina Mogilko?

  You're gonna be good. What about crypto?

• 32:36Speaker 02

  Yeah, so I, I think crypto is like really outside the scope of my channel, for example. When uh, people ask me about crypto, I always point them to the difference between Bitcoin and everything else. So Bitcoin is really treated like a commodity, digital gold. So that tends to be a really good safe bet and a good hedge.

• 32:52Marina Mogilko?

  How much of it do you hold?

• 32:54Speaker 02

  I hold zero. I currently hold zero Bitcoin, yeah, so.

• 32:57Marina Mogilko?

  Have you regret?

• 32:57Speaker 02

  Uh, I do, yeah. So I actually, believe it or not, so when I was younger, when I was like maybe in my late twenties or early thirties, I held six Bitcoin. I had six. I had them at fifteen hundred dollars. I went on a trip to Japan. I sold all six, paid for the trip, so I bought them at fifteen hundred, sold them at forty-five hundred, right? So tripled my money, thought I was a genius, right? So, sold at forty-five hundred.

• 33:20Marina Mogilko?

  That was an expensive trip to Japan.

• 33:22Speaker 02

  Yes, it was. Yeah, it was awesome. So it was a first class both ways, you know, like.

• 33:26Marina Mogilko?

  You stayed in Oman or something?

• 33:27Speaker 02

  Yeah, it was, it was an incredible trip, you know, me and a friend went.

• 33:30Marina Mogilko?

  Nice.

• 33:30Speaker 02

  Um, but, you know, so, six times five, so I made a little less than thirty thousand dollars, right? Living the highlight.

• 33:38Marina Mogilko?

  Yeah.

• 33:38Speaker 02

  So, of course, today, Bitcoin's like well over a hundred thousand dollars a coin.

• 33:42Marina Mogilko?

  Yeah.

• 33:43Speaker 02

  Yeah, so I mean, selling at forty-five hundred to a hundred and ten, you know what I mean? And I haven't bought back since, so, and uh, part of that is because I really don't understand the um, blockchain infrastructure. So one of the things that I always tell people is you should invest in what you understand, because then, when things crash, you understand what you're holding.

• 34:02Marina Mogilko?

  Yeah.

• 34:02Speaker 02

  And so, the reason I don't buy Bitcoin is because it, that is something that can crash a lot and go back up. But when it crashes, I don't have the confidence to hold through.

• 34:11Marina Mogilko?

  But then other institutional investors are holding a lot of it. Does it give you maybe like a thought that I should just invest because they've done their research?

• 34:19Speaker 02

  I try not to do that because those same investors missed the mark on so many other stocks, right? So, for example, if you just go back to Facebook, what you asked me about earlier, when it was crashing from four hundred down to a hundred dollars for every institutional investor that was like, oh, my God, this is amazing. There was another that was like, Facebook is dead, right? I try not to like worry about what institutions are doing. I try to get ahead of the institutions. And of course, I'm gonna miss a lot of things. I'm gonna miss Bitcoin. I'm gonna miss certain stocks. I'm not here to find every single winner. I'm here to understand a certain segment of the market so that I can separate the winners and losers in that market and try to expose myself to more winners than losers, right? Even if my batting average is like a fifty-five percent.

• 35:02Speaker 02

  By the way, I'm not trying to be like a hundred and zero, right? If you have, like, if you go through the math exercise of you have one stock that ten x's and nine other stocks that drop fifty percent, you've made a ton of money.

• 35:14Marina Mogilko?

  Yeah.

• 35:14Speaker 02

  So it's a numbers game. It's how can I minimize my mistakes while being exposed to more and more winners or more and more winning markets, right?

• 35:23Marina Mogilko?

  Absolutely. Let's wrap up with this. So for everyone who listens to this and are like, okay, great, but how can I start investing?

• 35:31Speaker 02

  Yeah.

• 35:31Marina Mogilko?

  Can you recommend resources, like top three resources for investing, for getting the information?

• 35:37Speaker 02

  Sure. The best and safest one is gonna be Fidelity, in my opinion. Another great one is Charles Schwab.

• 35:42Marina Mogilko?

  Do you use their money market fund, Fidelity?

• 35:44Speaker 02

  Nope.

• 35:44Marina Mogilko?

  No?

• 35:45Speaker 02

  Nope. I like, just stick to the, cash is cash. They automatically invest it in some sort of reasonable yielding. It's called SPACs.

• 35:54Marina Mogilko?

  Yeah, like four percent.

• 35:55Speaker 02

  Yeah, so like they handle all that for you. They don't let it sit in cash, you know, they do a great job. So whenever you sell, it's automatically converted to SPACs, right? So Fidelity, Charles Schwab. If you're looking for a more mobile friendly, you know, you're somebody on the go, you like checking your portfolio on your phone. I think Robinhood is excellent. So, and then if you're more of a, if you like the automation, automatic rebalancing, and you care more- More about like the interface and one finance I find is like a really, really

• 36:22Marina Mogilko?

  You can build your own portfolio.

• 36:23Speaker 02

  You can build your own. Yeah, it's awesome. So it's got a really great way of visualizing baskets of stocks. And then letting you diversify among different baskets without it becoming like too confusing. So M one finance and Robin Hood are very beginner friendly. And then fidelity and Charles Schwab are sort of like the big old institutions that you can be sure are never going away, never kind of getting disrupted. So those are four great options.

• 36:47Marina Mogilko?

  What about market insights?

• 36:49Speaker 02

  Yeah, you know, so I think one of the best places to look again is probably YouTube, you know, you're gonna find great YouTubers. Even like not even gonna pitch my own channel, but

• 36:59Marina Mogilko?

  What about the numbers? Like, do you wake up and like open like Yahoo Finance to look at P and E's?

• 37:03Speaker 02

  Never.

• 37:03Marina Mogilko?

  Never?

• 37:04Speaker 02

  Never. I try never to do that because like every investor will go through this phase. Especially the investors who are still looking for brokerages, they're checking their portfolio every day, every day, every day. And so what you have to realize is these companies aren't changing every day, right? The underlying business is still doing great. It's still doing whatever it was yesterday. It's planned for tomorrow is the same. You know what I mean? It's the market's opinion of that company that's changing. So that opinion is where you're trying to optimize for, right? Dollar cost averaging in and everything we talked about earlier. So eventually you graduate to the point where you just say, I'm not checking every day, maybe just check Fridays. And then it's every other Friday and then it's only on payday, right?

• 37:46Speaker 02

  I I actually only get paid once a quarter. So like maybe I'll I'll check things like once a quarter, twice a quarter. Sometimes you'll leave it alone for a year and be like, oh crap, I should probably check on my portfolio, right?

• 37:57Marina Mogilko?

  And that's the best when you just

• 37:58Speaker 02

  That's the best when you can just chill because you're confident in what you're you hold, you understand. So I really like things like Yahoo News, simply Wall Street. These are all great places to update yourself on the thesis of the company. So, hey, I want to just read a little bit more about Nvidia and make sure I'm up to date on what they're doing. I want to read more about Palantir. So maybe you listen to their earnings call. Or maybe you just go to their website and see what they've been up to, right? All of these publicly traded companies, they have a website where they have to disclose all of the relevant news. That could affect the price of their stock. Great way, just skim the headlines even like, oh, cool, they partnered with this company. Oh, this thing happened, you know, like it's a great way to, especially if it's a big portion of your portfolio. I'm on the Nvidia newsroom probably

• 38:43Speaker 02

  once a week. I'm on the Palantir newsroom probably once a week. And that's just because I want to keep up to date on something I have six, seven figures in right now. It's important. So that's how I tend to do it.

• 38:54Marina Mogilko?

  Thank you so much. It was so useful. And I feel like for everyone who was watching this also, like remembering the graph of Warren Buffett's net worth.

• 39:02Speaker 02

  Yes, absolutely.

• 39:03Marina Mogilko?

  That it went hockey stick up after he turned sixty six.

• 39:07Speaker 02

  Yeah, yeah.

• 39:07Marina Mogilko?

  Twenty years after he started investing. It was like this and.

• 39:11Speaker 02

  Yeah. So make sure you hit the gym because you know, if you can live to be ninety two and then ninety three.

• 39:16Marina Mogilko?

  You're gonna be a billionaire, basically.

• 39:17Speaker 02

  Yeah, you're gonna be a billionaire the longer you live. So, you know.

• 39:20Marina Mogilko?

  Thank you so much.

• 39:21Speaker 02

  My pleasure.

• 39:21Marina Mogilko?

  Thanks a lot. It's great having you.

• 39:23Speaker 00

  UKG is the workforce operating platform with unified HR, payroll and workforce management. Built to solve the unique challenges of frontline work. Powered by People First AI and decades of labor data. UKG turns workforce intelligence into real time decisions around staffing, pay, compliance and productivity. Enabling every worker to confidently take action as work happens. Because when work works, everything works. Learn more at ukg.com/work. UKG, HR, Pay and Workforce Management.

• 39:54Speaker 01

  Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and Affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy terms and conditions.