🪙 What 99% get wrong about INVESTING
This simple shift in how you think about global investing could change everything.
Hey Ambitious,ks?”
I paused.
Not because it’s a bad question—but because the real answer isn’t what most people want to hear.
They were hoping I’d say “20%” or “30%”—a tidy number to plug into their spreadsheet and sleep peacefully. But investing doesn’t work that way. And the deeper I thought about it, the clearer it became:
There’s no magical rule.
Only better questions.
Let me explain.
The illusion of percentages
We’re used to thinking in formulas.
60/40 debt-equity splits.
5% emergency funds.
25% foreign equities.
These are helpful starting points—but they don’t all carry the same weight.
Debt and equity are fundamentally different assets.
One is predictable and stable.
The other is volatile, full of risk and reward.
In that case, allocation rules help you manage behavior and expectations.
But when it comes to Indian vs. American vs. Japanese stocks?
You’re comparing apples to... slightly different apples.
They’re all equity.
If a US company has great fundamentals, why does it matter that its HQ is in Silicon Valley and not in Bengaluru?
When you buy stock, you’re buying a business, not a flag.
Why do we cling to “home bias”
We’re trained to favor the familiar.
Local brands. Local markets. Local news.
But that comfort often hides better opportunities elsewhere.
Yes, there are real constraints to investing globally:
Regulatory red tape: Not every platform or country makes it easy for you to invest.
Tax complications: Foreign capital gains might be treated less favorably.
Currency fluctuations: The dollar rising or falling affects your returns.
Legal distance: If something goes wrong, navigating international law is a headache.
Geopolitical risk: Sanctions, war, and trade tensions can freeze or tank assets.
But these aren’t reasons to avoid international investing entirely.
They’re factors to weigh.
Just like you'd assess a business’s debt load, management quality, or moat.
So what should you do?
Forget the percentages. Start here instead:
Look for business quality, not geography.
Would you buy this company if it were next door?That’s the litmus test.
Weigh the friction, not just the upside.
Can you access it easily?Will taxes eat your profits?
Are you comfortable with currency swings?
Play to your informational edge.
If you deeply understand a sector or region, lean into that.Your insight beats any global index.
Think in scenarios, not static allocations.
Markets shift.Your life shifts.
Your allocations should flex accordingly.
Reframe the question:
From “How much should I put abroad?”
To “Where do I find the best opportunities—given my tools, context, and goals?”
What matters most
The world is more connected than ever—but our thinking often isn’t.
Don’t let invisible borders limit your wealth-building strategy.
Own businesses. Not borders.
Catch you next week,
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Stay wealthy,
Be Wealth Operator