Around ten minutes each. One idea from the institutional side of the desk, explained so you can use it. New videos every Tuesday.
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When to Sell Stocks? There Are Only 3 Good Reasons, and the Price Isn't One (Explained by a Banker)
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The three reasons a professional accepts for selling — a broken rebalancing band, a changed life, a broken thesis — and the one page that makes the decision before the bad evening arrives.
9:06
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7:35 How many ETFs do you actually need? Fewer than most people hold. An S&P 500 fund and a world fund sound like different things, yet nine of their ten largest positions are the same company. A banker walks through the test that decides whether a fund earns its place — and the honest limit on the other side.
6:03 How much of your money belongs in stocks? Most people answer with a gut feeling. A banker separates two things the feeling confuses: how much risk you can handle, and how much you can afford — and only one of them should be setting your allocation.
6:10 A lump sum lands — do you invest it all at once, or spread it out with dollar-cost averaging? What Vanguard's data actually says, when the question truly matters, and the one good reason to spread it out anyway.
7:35 Renting versus buying is treated as one question. It is two. The money half everyone answers — and the half a bank checks first: leverage, liquidity, concentration, time. A 20% deposit is five-to-one, and a 10% fall takes half your equity.
7:04 Profitable companies sit on cash and still borrow. They are not asking whether debt is good or bad — they are asking what it costs against what the money can earn. Here is that spread applied to your own debt, and the one place where copying a corporation is a mistake.
5:53 "Three to six months of expenses" sounds clean and is too vague to use. Size the buffer on your fixed costs — not your total spending — then multiply by how fragile your income actually is. And know the ceiling: above it, cash has no job.
11:18 The finale of How Money Really Moves. The four-layer wealth cushion — Buffer, Floor, Engine and Free Hand — where each layer kills one specific fear, plus the build order that lets money stop being a source of panic.
11:07 How money is actually created, why the supply must keep growing, and why a savings account quietly loses ground every year — by design, not by accident.
10:49 Payment for order flow, spreads, and best execution. Where the cost of a 'free' trade is actually hiding.
13:09 Street-name registration, custodians, and the chain between you and the share you think you hold. What beneficial ownership actually means.
12:39 Net interest margin, fees, and the float. Where a bank's profit really comes from — and why your deposit rate looks the way it does.
10:11 Swiss authorities wrote CHF 16bn of AT1 bonds to zero while shareholders were paid. The mechanical trigger never fired — a regulator's judgement did.
12:03 Same off-balance-sheet trick, same audit pass, fourteen years apart. Why 'audited' does not mean safe.
12:32 Two Nobel laureates, a flawless model, and a fund that lost 90% in four months. What LTCM teaches about the tail risk no model can price.
10:27 A synthetic ETF does not own what it tracks. It owns a promise from a bank. Usually that is fine — here is when it is not.
10:40 A pension strategy designed to reduce risk nearly destroyed the UK bond market in 72 hours. How LDI turned safety into a margin call.
9:01 Your stop-loss is visible. Liquidity hunters know exactly where it sits, and why that matters more than you think.
8:12 The boring three-check routine professionals run before every trade. Boring is the point.
9:24 The three questions professionals ask before they sell. The price is not one of them.
13:37 Bitcoin is often sold as digital gold. Its actual correlation behaviour says otherwise — and BlackRock's own framing shows it.
10:55 The derivatives market is quoted at $846 trillion, and the number is almost meaningless. What it really measures.
10:31 Central banks are buying gold at record levels while most institutional portfolios hold none. Both can be right — here is why.
13:05 The finale. Institutions do not win through access — they win through rules. The system behind $50 trillion, and how to copy it.
10:17 Bonds are the 'safe' asset — until they are not. What actually happens when a bond goes to zero overnight.
8:26 Forced selling is what turns a correction into a crash. How margin calls cascade — and how not to be in the cascade.
7:09 Index funds versus mutual funds. The cost difference is small, certain, and compounds against you for decades.
7:48 REITs or bricks? What institutional allocators actually own when they want property exposure — and why.
10:00 The four-step audit a banker runs on any ETF — and why it filters out most of what is on the shelf.
7:32 The three-bucket structure: how a banker separates money that must be safe from money that can grow.
9:49 Why the P/E ratio tells you far less than you think, and what professionals look at instead.
9:25 Why financial resolutions collapse by February — and the structural fix professionals use instead of willpower.