Инвестиции для ленивых: как инвестировать и не следить за рынком каждый день

Learn how to invest passively without daily market monitoring or deep financial knowledge, focusing on long-term capital growth and peace of mind.

Key Takeaways

Passive investing is more effective and less stressful than active trading for most people.
Index funds outperform the vast majority of actively managed funds over time.
You don’t need advanced financial education to start investing successfully.
Diversification across asset classes reduces risk and builds steady capital growth.
Long-term, consistent investing beats trying to time the market or chase high returns.

What the video covers

Investing can seem complicated and intimidating, but it is possible to invest with minimal time and effort.
There are two types of investors: professional (active) and passive investors who invest gradually without trying to beat the market.
Active management funds rarely outperform broad market indexes; 98% of professionals fail to beat the index returns.
Passive investing involves understanding basic asset classes like stocks, bonds, gold, and currency and allocating assets according to personal risk tolerance.
Buying index funds is a simple way to own a diversified portfolio of large companies without selecting individual stocks.
Avoid trying to time the market or rely heavily on technical analysis, which often leads to losses.
A well-structured portfolio balances risk and return by including deposits, bonds, stocks, gold, and currencies in proportions suited to the investor’s goals.
The video promotes a course called 'Money from Money' designed to help passive investors build and maintain a portfolio without overwhelming information.
Understanding personal financial goals and risk tolerance is crucial before deciding on portfolio structure.
Investing should be approached rationally and calmly, avoiding the illusion of control and emotional decision-making.

Chapters

Is it necessary to study finance extensively to start investing?

No, the video explains that you can start investing successfully by following a passive strategy without mastering complex financial concepts.

What is the difference between active and passive investing?

Active investing involves frequent buying and selling to beat the market, while passive investing focuses on steady, long-term asset allocation, often through index funds.

Why are index funds recommended for most investors?

Because 98% of actively managed funds underperform broad market indexes, index funds provide a diversified, low-cost way to capture market returns over time.

Full Transcript — Download SRT & Markdown

Speaker A

I know there is one thing that holds people back from investing. It seems very difficult. It feels like you need to read a pile of books and conduct a massive amount of analysis to choose the right instrument to invest your money in. After all, you don't want to lose your hard-earned money out of the blue, especially when there’s always an alternative like a savings account.

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We understand that everyone has a family, a job, hobbies, and sometimes you just want to rest, sleep, and do nothing. And that leads to the question: is it possible to invest while spending a minimum amount of time studying? Without mastering the nuances of macroeconomics, or the intricacies of financial reporting, or how the entire global monetary system works; without diving into technical analysis, just spending a reasonable amount of time to properly allocate your assets.

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Spoiler: yes, you can. In this video, I will share the strategy you can follow if you don't want to get a second degree as a financial analyst, but still want to invest your money and not lose out. But before we begin, let me introduce myself. My name is Kristina, and this is my finance channel, "Your Mercenary Friend." Be sure to subscribe, because it boosts my mood, my stats, and simply my self-esteem. Yes, that’s right, even that. I won’t be shy about it. So, let’s get started.

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Why does it seem to us that investing is so complicated? If you go to any finance or investment channel, it's just a flood of complex news—something about macroeconomics, something about financial reports—and it feels impossible to overcome. It

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feels like you need to finish some huge course or get a second higher education degree before you decide to buy anything at all. And all you have is, say, 10,000 or 20,000 rubles. And you think, "Why do I need this second

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degree, really, just for 20 grand?" It feels like it just doesn't make sense. I want to tell you that you need to divide investments into two categories.

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Either you are a professional investor—a financial analyst—or you are a passive investor who can slowly put a little bit of money into something. And the goal isn't to capture all the returns in the world, but not to lose

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out, to slowly build up capital that, over time, will accumulate and provide passive income, peace of mind, and all that. Because if your goal is the latter, you don't need to become some super-duper financial analyst. A good strategy for someone who doesn't want a

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second career is to stick to a passive investor strategy. Don't play the game where you think you can beat the market or get some super returns, because, well, statistically, that's not very likely. And, well, in general, it’s somewhat similar to gambling, thinking

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you'll pick some super stock and it’ll give you super returns. That’s more like sports betting. In investing, there’s this, uh, certain air of coolness about it, right? I mean, there’s a feeling that it’s just wow. And it seems, I especially notice

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this with men, that if I earn a high percentage, I'm cool. So I define my own coolness by the percentage of returns in my portfolio. And to prove this coolness, you think, I’ll keep track of everything and I'll be able to

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figure it all out, watch it all, and analyze it. And that’s an illusion of control. It feels like the more I watch, the more I analyze, the more everything is under my control and the more return I can lock in. Then men

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often, uh, dive into technical analysis. If you go into Pulse, for example, posts with technical analysis, charts, and all that stuff, it’s often from men. There’s some kind of interesting trend there. And my favorite meme, which I use in my course, is where a

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guy and a girl are sitting, she explains her failures by Mercury in retrograde, he explains his failures by issues in technical analysis. I mean, it’s something from that same vein.

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This illusion of control can play a cruel trick on you. You think you're going to win everything back or beat the market, but you won't. Smart people have conducted research and analyzed active management funds and compared them to index returns. I mean, if you

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invested in some active fund where, like, super professional experts are actively analyzing, buying, and selling, versus just an index where you mindlessly buy shares in an S&P 500 index, the MOEX index, it doesn't matter, any index of the market where

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you trade. There is always a broad market index that includes the stocks of the largest companies. What do I mean? Buying an index means you’ve bought shares in a fund that invests in the stocks of the largest

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companies that are on that market. So, for example, in Russia, it’s the MOEX index, and it includes the stocks of all the largest companies, like Lukoil, Gazprom, Rosneft, Sberbank, VTB, blah blah blah, in short, a bunch of other

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companies. So, you don’t buy shares of each company individually; you buy a fund that purchases shares of all the companies. And essentially, you have all the stocks in your portfolio. Well, a study was conducted: what happens if you choose which stocks to buy and in

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what proportions yourself, versus buying into a fund that simply takes shares of all the companies? It was found that in both the European and American markets, 98% of actively managed funds perform worse than the broad market index. Moreover, these

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actively managed funds aren’t just individuals sitting around dreaming up strategies on paper, posting on investment apps, "Oh, I really want to buy this thing." These are professional managers who spend all day focused exclusively on asset management and stock analysis. And even these

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super-professionals lose to the index in 98% of cases. Therefore, when you think, "I'll analyze all the news, I'll identify all the technical analysis patterns, and I'll somehow get super returns," that is a losing strategy.

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Not because you are not up to it, or because you are stupid or don't understand things. It is, by its very nature, impossible. I mean, 98% of professionals can't handle it. So what can you say about people who aren't

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pros in this field? In this regard, when we know this statistic and we don't want to play sports betting, we don't want to join a community of gambling addicts, the most correct approach is to stick to a passive

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investor strategy. That means knowing what stocks are and their nature, the nature of bonds, what bond prices depend on, and what share of gold or currency should be in your portfolio.

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Deposits—just keep the percentages of your portfolio in your head, and that's it. So you know, for example, about yourself: "I don't like risk." And therefore, I need the most risk-free options possible. This means you say: "Okay, I'll keep my financial cushion in

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a deposit." Then you say: "I will buy bonds, for example, 70% of the portfolio, and for 30%, just for fun, I'll take some stocks," for instance. You can do it that way. Next, the question becomes which bonds to buy, because depending

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on the key rate, different bonds will be profitable. Therefore, you need to understand this as well. And I will talk in detail about how to build your portfolio as a passive investor, someone who doesn't want to read 500

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news stories a day, in my course "Money from Money." It is specifically designed for passive investors. You will figure this out once and will be able to apply it going forward. And not to worry about the fact that there is

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still so much more to read. My course covers more than just stocks and bonds; it includes deposits, bonds, stocks, gold, currency, and real estate. And then there will be a summary lesson, investment recipes, where we will bring all of this together. And you will

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build a portfolio for yourself, deciding what percentage to spend on stocks, bonds, deposits, gold, and currency. Basically, you will be able to choose this structure for yourself, stick to it, and be a passive investor without wasting time on the vast amount

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of info online. Because when you scroll through all those financial c

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still so much more to read. My course covers more than just stocks and bonds; it includes deposits, bonds, stocks, gold, currency, and real estate. And then there will be a summary lesson, investment recipes, where we will bring all of this together. And you will

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build a portfolio for yourself, deciding what percentage to spend on stocks, bonds, deposits, gold, and currency. Basically, you will be able to choose this structure for yourself, stick to it, and be a passive investor without wasting time on the vast amount

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of info online. Because when you scroll through all those financial channels, you think: "Now I'm finally going to learn something." But in fact, it's just hustle and bustle. It's like reading news that doesn't yield any results. It stirs up some kind of

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anxiety inside you, but it doesn't give you any payoff. And instead of wasting your energy on that, it's better to decide once what works for you and understand what you are doing. Being a passive investor doesn't mean knowing

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nothing at all. Like, I'm just buying something or buying bonds just because everyone says bonds are safe. In reality, you can take a huge loss even with bonds if you don't know when to buy them. And so that doesn't happen to

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you, I will explain how bonds work in my course. Sales start on October 26th.

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The course starts on November 9th. We will finish before the New Year. The course will be held on Telegram. Sales will be handled through a Telegram bot.

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The link to the Telegram bot is in my description. You can go in, check out the program, the schedule, read about who I am, and read the reviews. In general, all the information is there.

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What is important for a passive investor? It is important to understand the nature of each asset. What do deposits mean? What are they, and what risks and opportunities are there?

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Because we are told that deposits are some old-fashioned nonsense, that they don't protect against inflation, blah-blah-blah, and so on. And it seems to us that we absolutely must go into the stock market now. But that is not necessary. Perhaps you need to keep

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part of your money in deposits, because deposits have certain tax benefits, for example, especially if you are not a tax resident. So, you can't say that deposits are definitely worse. It depends on the situation. For some it's worse, but for others, it's just the

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right thing. Next, you need to understand what portion you'll put into bonds, when it's the right time to buy those bonds, and how the key rate relates to bond prices, so it doesn't happen that you buy "safe" assets like

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government bonds, they all drop in value, you need the money early, you sell at a loss, and then you tell me: " Kristina, these government bonds are total garbage, the stock market is garbage," and so on. The problem might

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not be that the stock market is garbage , although it really can be a risky business. It fluctuates like this, and you’re just like, what is even happening? But the problem is that you don't understand your starting point,

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what you have now, and what you want to achieve. Meaning, what is important for you to do in your life sequentially, because for some people, putting everything into a deposit is a perfectly fine idea. For others, it would be complete nonsense. Some people

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actually need to buy an apartment. Some find it hard to keep money in a deposit because they are big spenders, and they'll tell me: "I'm not interested in your deposits at all.""It's complete nonsense.""I'll spend it all.""That's why I buy stocks, bonds, gold, and

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currencies in a brokerage account." And everything here really depends on your personal character, your personal starting point, and your goals. And you need to understand this particular point. So, it's more important, you know, to understand yourself first, and

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then choose what to buy based on that. Because that way you will understand that you are in control of what you are doing. But if you're just reading something and thinking, "I'm going to do some technical analysis, head and

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shoulders, I'll read some investment recommendations in a Telegram channel and then I'll do something." Well, the question is: what are you actually doing? You need to have a system and a structure in your head regarding what you're doing so that later you don't

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have doubts, so you know your planning horizon, realize the risks you're taking, and then just not worry, because you can make a lot of mistakes out of nervousness. Studies have also shown that people who forgot about their brokerage accounts had better

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results than those who traded actively. I stick to the approach that it really is better to decide once what you're doing, yeah, and just buy calmly and stop looking, stop checking your brokerage account, you know, check it once every six months, maybe change

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something, and that's it. That's the logic I follow because, overall, I don't really like to be nervous. I prefer filming these long videos, short clips, and writing posts rather than sitting there, you know, scrolling through these various stocks. Why do I

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say that, and why do I have the right to talk about this? Because I work at a bank, and I deal with mergers and acquisitions. I graduated from the Higher School of Economics, with a degree in Economics, specializing in

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stock markets and capital markets for my bachelor's. And in my master's, I specialized in corporate finance. And at work, I spend every day valuing companies. I perfectly understand how the stocks you see in your brokerage account are valued. I perfectly

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understand why the price fluctuates like that and why you'll never be able to guess the exact price. Because beyond the fact that a company might be stable and doing everything right, everything by the book, there’s also big geopolitics that the company

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doesn't control, and it's impossible to predict everything. You might think you’re picking a super cool oil company, a stable one like Lukoil, and then boom, a drone attack, and your brokerage account is down 20-30%, something no one could have even

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imagined. That’s why I believe that when it comes to stocks, it’s best to buy an index fund and not think about anything else. Because choosing individual stocks is always a question of, you know, what? Why are you choosing these individual stocks anyway

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? What are you trying to achieve? What is the point of picking these individual stocks? Because it means that if you’re trying to pick the best companies, it means you think you’ll beat the index, that you’ll be smarter than everyone else. And this

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arrogance, statistically across all markets, shows that there’s a 98% probability that you will lose. And I am against that, because, well, it’s just not realistic, you know? But when you buy an index, for example, that covers a wide range of companies,

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you’re simply investing in the entrepreneurship of a specific country, let’s say Russia, or Europe, or America, it doesn’t matter. My course is actually suitable for investors in any market because I explain the general principles. I am generally against giving any kind of investment

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ideas. I think it’s a total scam, that’s what I believe. Because, well, it’s just like sports betting. It’s sports betting. You never know; when you try to get a higher return than everyone else, it’s like there’s something addictive about it. And I

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recently talked to a guy at a conference, a serious young man, also in this investor crowd. I said, "Man, I don't understand why everyone is selling all these investment ideas." Why is it like that? It’s just gambling. He says, "Well, yeah, there

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is that aspect." He says, "I even notice that gambling vibe in myself." And he says, "I notice when I’m walking around thinking about a certain company or position.""I even open the Umaman protocol, go through it just to loosen that mental grip on the stock,

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to calm down, calm down, calm down, calm down, and realize it's not a game of chance." Do-do-do-do-do-do-do. Just release the steam and that's it, because it really consumes you. And I am against that kind of thing. I don’t like gambling. I understand

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that there is plenty of anxiety in life without investments. With investments, you expect to put in your money and get a reasonable return. And that’s why my course is designed specifically for rational, calm, non-extreme people.

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I’m not an adrenaline junkie. I never , for example, go off-piste skiing. I don’t do any of those risky things.

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And my course reflects my character and my values. That’s just how it is. So, if that resonates with you, come join my course. If you’ve wanted to understand investments once and for all and stop worrying about it, then I

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definitely recommend you join us. Sales begin on October 26th. The only problem with passive investing is that you won’t look as cool as your friends. I mean, they’ll read all the news, dive into the intricacies of Gazprom, Lukoil

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, Astra, or Magnet, or whatever, having heated discussions, arguing with each other, showing off who’s smarter or who read more. But you won’t be able to do that because you won't care. You have an index fund, and you just don't

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care. And it’s boring. It’s boring, because let’s not forget that investing is a place for showing off, too. Let's not hide it, let's not. Fine , let’s not. I’ve been in this business for a long time, and I’ve

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been observing my colleagues—what’s really going on there? Because when you’ve been in big corporate finance for over 10 years, you start asking yourself questions of a more existential nature, and you begin to notice irrational things in people.

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That really grabs my attention, because I’ve been in psychotherapy for four years now, and I’m interested in those psychological aspects; I observe them. I see that many people want to be part of the investment world because it’s cool; it’s a status symbol. If

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I’m an investor, I’m very cool. If I work with billionaires, I’m cool. And this desire to boost one’s own self-esteem through investments, it definitely exists. That’s true. It exists in the retail market too, in what we see on brokerage accounts, how

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many people write in Pulse or on Alfa-Invest. People are writing now: " Oh, I bought this and that, this position here, technical analysis there ," they write all sorts of things. And it’s as if, through this, you become:

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"Wow!" And I’m like: "Wow!" Yeah. And it’s the same in big finance. I work at a bank, and we sell companies worth over a billion. I work with private sector companies, meaning we sell companies that you won't see in your

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app. You can buy more than just what’s in your broker app—those are public companies—but there are also things like a poultry farm, for example . We recently sold a company that produces hatching eggs. It isn't traded , but it exists, it makes good money,

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and we sold it quite well. And in this world, too, I often see this story where people feel their own coolness through these investments. Yeah.

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Although, well, never mind, we won't dive into issues of self-esteem. That’s not the topic of this video. I understand that investments often drift away from the rational, from what is statistically proven, toward something emotional related to self-esteem.

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Trying to prove something to someone, prove it to yourself, prove to friends that you’re cool. But let’s make sure that being "cool" doesn't come at the cost of your own money. I stick to this philosophy, and I believe it's

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better to sit quietly, manage passively , allocate money correctly across assets, and not worry about anything, rather than trying to gamble, chasing some mythical return percentages, and eventually losing everything only to say: "Oh, the stock market is garbage."

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"It's not garbage, you just approached it the wrong way." And to ensure you don't make mistakes like that, I invite you to join my course. There. Those are my views on the matter. Those are my values. I think it's very important to

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be aligned in values, because, well, it won't be for everyone. My course is not for gamblers, it's not for thrill-seekers, or for those who want to trade, beat the market, and show off super profits. Well, it won't suit you,

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yes, it won't. Don't come; we won't get along at all. We simply won't have anything to talk about. We'd just end up arguing in the chat every single day , you see? Don't even come to me.

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Gamblers shouldn't come to me, please don't come. But for those who are on a relaxed vibe, who have 10, 20, 30, 50,000 a month, who just want a reasonable return and not lose money for no reason, well, I'm waiting for

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you. I'm waiting for you. Make sure to come. To sum up, I will say again that for people who don't want to become financial analysts, get a second profession, and spend 5 hours a day on it, I believe that the winning strategy

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is passive investing, because it takes little time, few nerves, and the result is the same as if you were investing actively. Actually, it's even better, to be honest. We can see the statistics I've provided. 98%of actively managed funds lose to the index. So why bother

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playing that game? At the same time, passive investing definitely doesn't mean you don't know anything or that you're doing things randomly or by guessing. You need to understand yourself, your goals, your life, what you have, what you want to achieve,

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understand the nature of each instrument, and then combine all of that in your head to choose the right strategy and portfolio structure for yourself, and stick to it. And spend very little time on it. The downside is you won't be able to show off in front

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of your friends, colleagues, and so on. But I think you'll find other ways to show off. I think he who laughs last, laughs best. When your long-term financial results end up better than theirs, that’s when you’ll have the

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last laugh. And to make sure you succeed, I’ve recorded a course called Money from Money. I’ll be waiting for you there. All the information is in my description. The link to the course is in the description. Sales start on October

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26th. We’ll start learning on November 9th and finish before the New Year holidays. The course will take place on Telegram. I’ll be waiting for all of you there as well. Be sure to subscribe to this channel where you’re watching this video. I put in

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the effort—surely I didn’t put in all that effort just to record this video for nothing. So, make sure you subscribe. Also, come to my Telegram channel, it’s also called Your Mercenary Friend. I’ll be waiting for all of you there. That’s all I have

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for today. Bye-bye, everyone. H

Topics:passive investingindex fundsinvestment strategyfinancial educationportfolio diversificationstocks and bondsrisk managementlong-term investingpersonal financeinvestment tips

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