In this YouTube monologue, Rob Moore explains how to allocate a lump‑sum of £10,000 (or larger amounts) to achieve the highest possible returns while managing risk. He begins by urging listeners to assess their personal context – whether the money is a one‑time inheritance, their age, and their risk tolerance – before deciding how to invest. Moore then proposes a four‑part diversification strategy: (1) about 15 % in “off‑grid” assets such as gold, silver and Bitcoin; (2) 20‑25 % in a globally diversified equity‑focused fund‑of‑funds (he cites Vanguard LifeStrategy, which has delivered ~11 % annual returns over 15 years); (3) roughly 25 % to start or grow a business, emphasizing the outsized returns possible from entrepreneurship, especially in low‑cost online, AI‑enabled or information‑based ventures; and (4) the remaining 20‑25 % on self‑investment – courses, mentorship, networking and personal development – which he argues yields the best return of any asset class. Throughout, Moore interweaves personal anecdotes, performance figures, and a strong belief that education and networks outperform traditional assets. He concludes by promoting his “Moneymaker Summit” (robmoore.live/mms), a paid event that offers mentorship, masterclasses, and networking with multimillionaires, positioning it as the optimal vehicle for the self‑investment portion of the plan. The talk blends practical financial advice with a persuasive sales pitch for the summit.
Chapters
How to invest 10 grand for the maximum return. Now look, markets have been performing quite well in certain classes. I'm going to share those with you, but there's one or two ways where you can way outperform the market without ridiculous risk or without it being a scam. And when people think about investing and asset classes, the two I'll end with, most people do not think about these. But these are ones where you can get 20%, 50%, even 100% return as opposed to just 5% or 10% return. But they're not your standard asset classes. But they're— I mean, if everyone knew about them, everyone would be rich, wouldn't they? And actually, you can do them with not much of your 10 grand investment. So I believe the best way to invest 10 grand or 20 or 50, the answer would be similar, is— well, actually, firstly, you've got a bit of context. Thank you. You've got some context you need to think about. Um, so number one is, is this your last 10 grand ever? Your only 10 grand? Is this the inheritance from your nan? Or is this just a, a 10 grand that you could potentially afford to, um, it drop a lot or even lose it all? Because then my answer would be different. But that's number one. Think about how much risk you're prepared to take. How old are you? If you're 21 and you've got 10 grand, or if you're 61 your risk appetite's going to be different. You can afford to make more losses when you're 21 than when you're 61. So what's your risk appetite? What's your age? What do you already know how to do? Because a lot of people are looking to invest money in new things when they've actually got skills already. What do you love to do? I love watches. I love classic cars. I'm going to make much more money, or at least lose less money, investing in watches and classic cars than I am whiskey or art or some sort of crazy new altcoin because I don't know those and I'm not as interested in those. So, there are a few factors that you'll want to consider. Okay, so I don't think it's smart to put all of your investment money into one class. Yes, you need to focus to make money and you diversify to keep your money. But I'd probably suggest you split $10,000 or $20,000 or $50,000. Maybe you split it 4 ways. So that's not too thin, but it's not all in one thing where you could lose everything. So if we're going to split 10 grand 4 ways, certainly a little bit of physical off-grid investment is going to be good. You know, you might not like the banks, you might be worried about the state of the world, so, you know, maybe you're going to put 15% into gold, silver, Bitcoin. So gold, silver, Bitcoin, a bit more off-grid, a bit more kind of decentralized, a bit more anti-system. You don't want to put it all in because they don't produce income streams. They're not that liquid. But maybe you're going to choose gold, silver, Bitcoin, about 15%. You might spread 5% each. Okay. Then I think the next thing you're probably going to benefit from is investing in the stock market. Now I don't trade because I think that even people who've been doing it 20 years, they still wipe themselves out. I don't think it's a good long-term wealth-building strategy. So I buy, hold, die. BHD, buy, hold, die. So I want a really good fund of funds which will sort of self-allocate and reinvest for me that's had a proven good return. So I think you might want to look at 20% to 25% into the stock market. And the fund I've been investing in has done very well. I think 11% plus for the last 15 years is Vanguard LifeStrategy. Now I like 100% equity, although bonds are cheap at the moment. So you might want to do 80% or 60% equity, 20% or 40% bond. You might want to do that. And that's a fund of funds and it reallocates and kind of manages your portfolio for you. You've got sort of minimal fees. You can do that yourself without a broker. Or an IFA. Now, I'm not advising you do that. I'm just telling you that's my financial experience and that's what I do with my money. And I see that more as a savings account than a bank because my money in a fund is in the 500 S&P America companies. It's in the FTSE 100 British companies. It's in some Japanese and European companies. And if I put my money into a savings account, that's one bank. And of course, interest is being wiped out by inflation. Whereas if I put my money in a well-managed fund, that might be 1,000 companies. So, we've got 15% in gold, silver, Bitcoin. We've got 20% to 25% in the stock market. Now, here's where you can start to get very creative with the return because those two are going to return you 6%, 8%, 10% a year. Now, the good thing about the stock market is it's got income, which gold, silver, Bitcoin don't have. So the, the other two classes I consider investing in, which could have a double or triple digit return— number one is starting a business. And people don't think about this. Why? Maybe they're just a bit lazy or looking for something passive. But if you start a business, either a side hustle or a full-time business, it's not uncommon for people to do $100,000 year 1, $300,000 to $500,000 year 2, $800,000 to $1 million year 3. I'm not saying it's easy because if it was, everyone would be doing it, but it's not uncommon for people who do launch a business and go those 3 years. So, you know, Bill Gates got 50% growth, I think, over 2 decades. We got 50% growth year on year for about What, 14 years straight? You can't get that in any other asset class. And now with the internet and social media and AI, you can launch a company online for $50. So if you haven't got hundreds of thousands and you want maximum leverage, start an information business, start an AI business, start a content business, and, and get much higher returns because you're putting your time, your energy, you know, they call it sweat equity. When you're in a passive asset, it's just the energy of the asset, and it's slow and steady, and it takes years. But when you launch your own business, it's your time, your energy, your resourcefulness, your passion, your enthusiasm, your collaborations, your contacts, all of these things which you can get a much better return on. And of course, that means that one day you're in control of your own destiny because you're running your own business. So I'd probably recommend if we're at 40% to 50% in gold, silver, Bitcoin, and stock market, I'd probably recommend 25% should be in launching your own business. And then the remaining 25%, this is probably even better investment still, yourself. You are your best asset. Invest in yourself wisely. You pay yourself the best return. Isn't it funny that people will spend £10,000 on a 60-inch on-the-wall propaganda machine, that will be worth £500 in 3 to 5 years. Yet doing a £2,000 course, they shudder at the thought. So I've invested in public speaking courses, marketing courses, sales courses, business courses, AI courses, you name it, I've invested in it. And I'm still getting returns on these 19 and a half years later. Still earning on them nearly 2 decades later. Made tens, if not hundreds of millions in sales from investing in myself. So you are your best asset. Invest in yourself wisely. You pay yourself the best return. So I definitely ring-fence 20 or 25% of your 10 grand or your 20 grand or your 50 grand in a good network to get a mentor, to be in a mastermind, to educate yourself in the areas of business, entrepreneurship, sales, marketing, etc. And this is actually why we've redesigned our Moneymaker Summit. So our Moneymaker Summit just used to be an event on how to start and scale your business, make, manage, and multiply money, and build multiple income streams, and get your tax bill down and your income up. But now what the Moneymaker Summit is, is a network of disruptive entrepreneurs like you looking to partner, collaborate. We have content on AI so that you can more quickly scale your business and automate it and do it at lower cost and Higher Speed. And I've brought in probably 6 of the best speakers and multimillionaires, you know, arguably in the UK to teach you how to build a modern business and maybe get 50 or 100% growth a year on a side hustle or launching your own company. So if you'd like to look into how you can do this, I'm going to invite you to join the Moneymaker Summit. Now we've got 2 date choices only on the page, I believe. We, we normally have max 120 in the room. So obviously there's 500 and odd thousand people that follow me on Facebook. There's millions of people that follow me. So you're gonna need to be quick. What I often do, and when I can, although there's very limited numbers of these, is I, I often look to sponsor people who are a bit hard up financially, or, you know, there's just a lot going on and you want a bit of my support. And then what I also do is I offer really good deals. On the upgraded, the VIP, the golden tickets. So all the information required is at robmoore.live/mms. That's the link, robmoore.live/mms. And for the cost of, I don't know, a month's worth of coffee, you can get yourself— by the way, I can pass on the savings to you because I own the training facilities, I own the buildings, I don't have to go and you know, spend 30 grand on a London hotel and send all my staff there for 3 days. So that's one of the reasons why I can pass the savings on to you. I don't usually do free events. Free advice is worth every penny. When you pay, you pay attention. But I might be able to sponsor you, and I've got some good deals on the upgraded tickets. So if you'd like to meet some multi-millionaires, network with some of the best people in the UK to start and scale your business, learn the right asset classes to invest in and learn which elements of business are the lowest cost, highest speed in 2025. I recommend you just go register now at robmoore.live/mms, as in Money Maker Summit. So stop what you're doing, just go type in robmoore.live/mms. Now once you've registered, if you upgrade your tickets, then you can have a private lunch with me that I'll pay for. And like we'll do a mastermind mentoring session. So I'll definitely help unlock some of your latent talent and resourcefulness, help you overcome some of your challenges. There's a private dinner with me and my multimillionaire friends, which if you're on the highest level ticket, you get access to. There's two champagne reception Q&A sessions where you can ask us questions live. There's two bonus money mindset sessions in the morning where we'll talk to you about the mindset of money and overcoming your limiting mindset beliefs. And there's a 15-hour how to raise money online masterclass that you'll get if you need to look at raising finance, if you don't have a huge amount of money. And all of that is just for a small upgrade. So again, you can find the details when you register on the page, robmoore.live/mms. You know, whether you haven't got too much money at the moment or whether you've got a lump of 10 or 20 or 50 or whatever, You know, I can, um, in an unbiased way, because I don't offer investments, you can't invest your money with me. I'll just guide you along on how to maximize your money to maximize the returns. And the things people don't understand is your education, your knowledge, and your network— you're probably going to get a better return on those than you are Bitcoin, gold, silver, stock market. But you want to do both because you make money on money, but you make money on you. And so the Moneymaker Summit is set up to guide you on the right investments for you but also how to unleash your own talents, genius, and you become your best asset. You know, they say that every millionaire says, oh, you take all my money, I'll just become a millionaire again. Because it's not what you've made, it's what you've learned. And I want to help you learn and invest. So the link is robmoore.life/mms, as in moneymaker. Summit. A handful of places left in August, some places left I think in September. And I will meet you there. I do about 5 keynote speeches. I'll sign your book. I was signing someone's top at the last event. We have a lot of fun at the event. We're very accessible. Because it's not just the financial things you invest in, it's how you invest in yourself. So quick summary then. If you've got 10 grand or 20 or 50, maybe you'll want to put 15% in gold, silver, and Bitcoin in whatever allocation you feel most comfortable with. Silver's cheap. Gold's more proven and stable than silver. Bitcoin, some people love that. Then maybe you want to put 20 to 25% into the stock market, which I think is a better savings account than a savings account. I use Vanguard Life Strategy. And then maybe you want about 25% into launching a business and about 20 to 25% investing in yourself. Now, by the way, when you come to Moneymaker Summit, all the expenses are offsettable. So you can claim the tax back. So that reduces the price again. So you're literally paying pounds, not even hundreds to attend the Moneymaker Summit. So all the information, the details, the speakers, the lineups, the content, the network, everything is at robmoore.live/mms. I'll see you there because 100 grand is not a lot of money anymore with inflation and taxation, and you can't retire on a million anymore with inflation and taxation and labor. So, you know, you, you gotta rewire and rewrite your financial goals and you've gotta take making money a lot more seriously. Thanks for tuning in. And remember, if you don't risk anything, you risk everything.
