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Jakub Malicki | Behavioral Finance Expert Profile
Jakub Malicki | Behavioral Finance Expert

@Yakubczaak

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💰 Individual Investor 🫵 I will help you understand and overcome the psychological traps in investing

Joined April 2022
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
2 months
🧠 Your biggest enemy isn't market crashes or inflation. It's the voice in your head saying "SELL!" at the worst moment. 95% of Investors lose money because they fight a wrong battle. There's a solution to every thinking trap. This thread is all you need🧵
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
That successful trade you're so proud of? It's 90% luck, which you've turned into a belief in your own agency No, you're not better than the market in the long term Learn humility, invest passively, and focus the rest of your attention on making more money outside the market
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
What is the point of your investments? If you don’t know the answer to this simple question - that is your whole issue. Getting rich? What does it mean? 100k? 1mil? 100mil? Define what you want to achieve. Without that, you are running blind.
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Google's ad monopoly trial enters remedy phase: DOJ wants AdX divested. $86B ad empire, but display ads only $16B. Sometimes the tail doesn't wag the dog - but it still bites. Will breaking the small piece kill the giant?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
The biggest risk isn't losing money - it's thinking you're smart after a lucky streak. Overconfidence kills more portfolios than market crashes ever will. Your last 10 wins don't predict your next trade. What's your biggest investing blind spot?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Central banks worldwide dump sovereign bonds for gold. $43 trillion in US retirement assets built on getting retail to hold Treasury bags. When institutions flee and you stay, who's the smart money?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Millionaires buy assets. Billionaires buy cash flow. The middle class buys liabilities thinking they're assets. Your house isn't making you rich - it's keeping you poor. What are you actually buying with your money?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Wall Street's 60/40 portfolio is dead. Morgan Stanley's top dog now preaches 60/20/20: add 20% gold because bonds are 'melting ice cubes.' When suits abandon tradition, what sacred investing rules are you still blindly following?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Ethereum's dirty secret: tokenized assets act as a price floor. Every 5 years, when ETH's market cap hits tokenized asset levels, it bounces. It's not sexy upside protection - it's mathematical psychology. Are you buying the dip or the floor?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Diversification is a hedge against ignorance. If you know what you're doing, concentration builds wealth. Bezos didn't diversify away from Amazon. Musk didn't hedge Tesla with bonds. The rich concentrate, the poor diversify into mediocrity. Which camp are you really in?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
The perp DEX throne is under attack. Hyperliquid's $1B+ revenue empire faces 3 hungry challengers: Aster backed by CZ, Avantis with 500x leverage, and Lighter already stealing volume. When giants feast, vultures circle. Who survives the bloodbath?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
The Fed creates bubbles, not prosperity. Every rate cut inflates assets for the wealthy while destroying savings for the middle class. They call it stimulus. I call it theft with extra steps. When will savers finally revolt against this rigged game?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Solana treasuries hold $4B while retail chases memecoins. Institutions accumulate, plebs speculate. The wealth transfer happens in silence while everyone watches the noise. Are you building or being built upon?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
The biggest lie in finance: 'Buy and hold works.' Tell that to Japanese investors who bought the Nikkei at 38,915 in 1989. Still waiting 35 years later. Markets don't always go up. What's your backup plan when 'time in market' fails?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
BlackRock wants to tokenize ETFs while Vanguard launches junk bonds at tight spreads. Innovation meets poor timing. The best products launched at the worst moments define careers. Why does Wall Street always arrive late to the party?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Society teaches you to work for money. The rich teach money to work for them. Every dollar you spend on consumption is a soldier you'll never recruit for your financial army. Your latte isn't just costing you $5 - it's costing you your future. What are you really buying?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Alphabet hits $3 trillion by riding AI hype while Buffett sits on $344B in cash earning declining interest. One chases bubbles, the other waits for value. History will judge who played the game better. Which camp are you in?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Everyone's talking about AI replacing jobs, but nobody mentions it's creating the biggest wealth transfer in history. It's not about being replaced - it's about being left behind financially. The new class divide isn't education, it's AI ownership. Which side are you on?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Trump wants to kill quarterly earnings reports. Move to semi-annual like UK tried 2007-2014 before reverting. Warren Buffett agrees - quarterly forecasts force short-term thinking. But S&P 500 crushed it for 50 years with quarterly reports. Does transparency kill returns?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
Market crashes don't destroy wealth - they reveal who was swimming naked. Every bubble bursts the same way: euphoria, denial, panic, capitulation. We're in the euphoria phase. The question isn't IF, it's WHEN. Are you prepared for the tide to go out?
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@Yakubczaak
Jakub Malicki | Behavioral Finance Expert
1 month
3% is the new 2%' - The Fed abandoned its inflation target without admitting it. Powell cares more about employment than price stability now. When central banks move goalposts mid-game, what does monetary policy even mean anymore?
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