In this video Rob Moore explains why many common financial choices actually erode wealth and then outlines a handful of asset classes that he believes preserve and grow money over time. He starts by condemning three “worst” investments – premium bonds, new cryptocurrencies (often called “shitcoins”), and traditional savings accounts – arguing that they all deliver returns below inflation, expose investors to government or market risk, and provide little or no income. He then flips the script and recommends five “best” investments: gold as a long‑term store of value and inflation hedge; Rolex Daytona watches (and similar limited‑supply collectibles) as tradable international currencies; broad market index funds such as the S&P 500 and FTSE 100 for diversified capital growth and dividend income; property for the “holy triad” of capital appreciation, equity (buy‑low opportunities), and rental income; and finally, investing in oneself as the highest‑return asset. Throughout he stresses the importance of beating inflation, using supply‑and‑demand dynamics to select collectibles, and seeking assets that generate both capital gains and cash flow. The video ends with a promotional plug for his membership platform, Rob.team, and a call to action for viewers to share and comment.
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Warning: the worst investments that you can make. I get asked many times, what are the best investments to make? Because people make really bad investments and they don't know that they're losing money when they think they're making money. So I'm going to share with you some of the worst investments that you can make. And then flip it on its head and then share with you some of the best investments that you can make. So people ask me, for example, 'Oh Rob, should I invest in premium bonds?' No. By the way, let me know in the comments why you think I think we should not be investing in premium bonds. So for me, premium bonds are low return, and they are giving money to the government. Why would you want to have the government, um, chaperoning, looking after, and investing your money? Why would you want to do that? I think that that's very risky with how much— what, 3-point-something trillion— our government are in debt. I agree, you're completely right, and premium bonds are way worse than inflation right now. So first worst investment to make is, um, premium bonds. Second worst investment to make is, um, new cryptos. So I know I'm probably going to get a bit of hate for this because I know that there are some good crypto fans out there, but the new cryptos, also known as shitcoins, um, are really volatile. So, um If you want something steady and safe, crypto is probably not it. Most people think that cryptocurrencies are decentralized, i.e., you're protected, but in reality they're not and you're not. Um, and so I think you're best either putting a small amount of money in or putting money you can afford to lose in. And be careful not to get lured in by people who, you know, say that— said they made millions or zillions, um, when in fact it was a unicorn. So this is probably also going to surprise people, the third worst investment you can make, but I personally don't like savings accounts. Now obviously when interest rates were 0.5% it was pretty bloody obvious that your savings account was going down pretty much at the rate of inflation, which was pretty much double digits a year. Um, but now it's gone up a bit, a lot of people are like, oh well, you know, maybe savings accounts are good. Well, savings is still below inflation. So they say inflation is 7-ish. So in reality, I, I I always think add 50% because I don't think you get told properly by the government. So therefore, in reality of what you're actually buying and what things are actually costing you and everything included, I reckon you're probably, let's say, 10% inflation. Uh, and then interest rates, you might get 5%, so you're still at -5% every year. And, and look, if you want a, a good rule of thumb for investing is You've got to beat inflation, because if you don't beat inflation, your investments are going down every year. So I don't like savings accounts also because the government control your money. Now the government will lend that money out, they'll invest that money, uh, and you're taking all the risk and they're getting most of the gain. Why would you want to do that? If you're going to take all the risks, surely you would want the greater gain. So what have we covered so far? No to premium bonds, no to risky, um, shitcoins and cryptos, and no to savings accounts. Saving is obviously good practice. I'm not saying you shouldn't save money, but really you save as a discipline to not spend and then build a pot to invest. Um, so that's really the best reason why you would say. But people think that— people are fooled into thinking by the system that, oh, we're saving money and it's going to look after my retirement and the banks are going to look after my money for me. Uh, no, they're not. Okay, um, shall we do a couple of good ones now? So I think gold for the long term is really good. Uh, money has gone down 85% since fiat currency was removed off the gold standard in 1971. Um, gold has gone up. I don't even— I can't remember the exact amount, but it's, um, hundreds, maybe even thousands of percent. Gold's always solid. It's dependable, storable, durable, um, transactable. Gold is an international currency. You know, obviously your local currency is not an international currency, it's a national currency, but gold is an international currency. So gold's a good one. Um, Rolex Daytonas are quite an international currency. So gold's good for a store of value, it's good for a hedge against, um, currency devaluation, high inflation, tradable international currency. Um, it doesn't have income though. I'll get to that. Um, what Rolex Daytonas, they're quite tradable, quite liquid, international currency. Rolex, I mean, they, they seem to put their prices up 5 to 8% a year, so they like to put their prices up over inflation. Um, there are a few watches that go up a lot, there are many watches that go down, and there are some stable ones that are very predictable, like the Rolex Daytona. So that's a good one. Okay, another good one is, um, S&P 500 or FTSE 100. I like a sort of a Vanguard tracker, um, that reallocates itself. Uh, I like S&P 500 and FTSE 100 because I think they're much safer than a bank account because they're spread over 100 or 500 companies, not over one bank. Uh, and yeah, you know, the stock market, again, it beats inflation. It's spread across the best companies, um, in the world. So I definitely, um, think that's pretty solid as well. And of course, the good thing about, um, stock market— the good thing about the stock market is you've got— so I'm having internet issues, it might look like I'm repeating myself. You've got capital and income with the stock market, um, so it will go up in capital value and you've got the dividend. So gold will go up in capital value Right, so tunnels will go up in capital value, but your stock market will go up in capital value and it will pay you dividends. I really like property. So property has the holy triad. So it's very difficult to buy a stock or gold below market value. They have a fairly set price. You can get watches below market value if you know what you're buying and buy them well, but they don't have income. So for me, the holy triad, if you like, of money is capital, equity, and income. Capital, equity, and income. And capital is, you know, its value and if it goes up. Income is, you know, how much money it pays you residually. In a recurring manner. The equity bit is if you can buy low, you know, if you can, um, get a deal, if you like. Very hard to get a deal on gold. It's very tradable. It's very solid and secure in value. But in real estate, you can buy in the crash. Like, we've got— yeah, in real estate, you can buy in the crash. Um, you can buy below market value. You can buy from motivated sellers. And I don't know what's wrong with the internet today. Sorry about that, but I'll, I'll finish this. So you get rental income, you get capital growth, uh, and you can buy below market value. So I would say property is the big one. So I've given you 3 really bad ones and 4 really good ones. Hopefully you found those useful. Please hit the share button, by the way. I like to make my content practical and tactical. Um, if you would like to learn how to make, manage, and multiply more money, start and scale a business, get better financial education and knowledge, I can help you with that because I'm one of maybe the most specialized people in the UK on money and finance and business. So I have my Rob.team platform. It's virtually no risk. Ah, one thing I missed is investing in yourself. Investing in yourself is the best asset. You pay yourself the best return. Invest in yourself wisely. You'll always make more than any other asset class. You know, for example, if, um, you know, you start a business and you know how to sell and you know how to grow that business because you are the asset and you're great at branding and marketing, you're going to make a hell of a lot of money. So actually, probably the— I know I've covered 3 worst investments and 4 good ones yourself. So if you'd like to invest in yourself but only pay 22 pence a day and cancel any time, no ongoing contract, no risk, join rob.team. Rob.team is my digital financial freedom platform to help you start and scale a business, make, manage, and multiply money, and build multiple streams of recurring income. And there's courses, resources, and masterclasses going back many years since pre-lockdown, um, you know, how to get your tax bill down, how to get your income up, how to invest in real estate, how to build recurring income online digitally, etc. And to join, it's really easy. Just literally type in R-O-B team, rob.team, into any web page. Um, and we do Sunday sessions every Sunday. I do ask me anything lives, um, that you can't get on, you know, these public platforms. I think you really value it. And by the way, if you want to take— try and take the piss out of me, then join for 22 pence a day, cancel any time. And gobble up all the content, then cancel. Good luck, because you'll never catch up. But try, why not? I don't care, I'm already rich enough. But I do want to help people. And you know this, I reduced the price of Rob.team before lockdown, and I never put it back up because I thought I'd just keep helping people. So that's why it's only 22p a day. So I hope you found the content useful. Have I, have I missed any? Have I missed any worst investments? I mean, look, you know, I think network marketing meant you put a lot of time into network marketing, and most of the firms are not very good. Um, so maybe, you know, that would go— that would go in the worse category. Um, some people think that, you know, you can make a load of money on cars, but really you only could when there was undersupply. And, you know, post-lockdown, a lot of cars were going up that in reality probably should have gone down and normally go down. So be careful in buying these cars that have gone up in the past. The golden rule is supply and demand. So the less there are and the more people want, the higher the price. So, um, you know, I have a Ferrari Testarossa, and, you know, I know they don't make that many of those, and I know that they don't make them anymore. And that's obviously much better than a 35-year-old Ford, which is, um, that they made a million of them and no one wants them. So when it comes to investing and assets like watches and cars and art, always go for low production numbers, low volume. Um, so ideally limited editions. The less they make, the more likely they are to go up. But of course, there has to be demand as well. So that's why, um, because, you know, sometimes a company could make 800 cars and that's more valuable than when they make 500 cars, um, like the Lamborghini SV and the Lamborghini SVJ. But it might be that the one that has slightly higher supply also has much higher demand, um, and this is why these Patek Nautilus have gone wild, because they don't make a huge amount relatively of them And everyone wants one as soon as a rapper wears one or whatever. So you always want to be thinking about, um, supply and demand. All right, so I hope you found this useful. Hit the share button, um, if you did find it useful and help others, because let's be honest, the world's a bit screwed right now and money is tight and hard for a lot of people. And don't forget to join rob.team. You can cancel anytime, no ongoing contract, 22 pence a day if you want hundreds of hours of courses, resources, and masterclasses. On making, managing, and multiplying money, and on starting and scaling a business, and digitizing, monetizing, you know, digital assets and social media and the creator economy and all of this stuff, um, then just type into any web page rob.team. That's R-O-B dot T-E-A-M. I'll see you there. Thanks for tuning in. Let me know in the comments what you want from me. I do keep my eye in the comments. Are pinball machines a good investment? Anything that you know more than anyone else could be a good investment. Anything that has limited supply and high demand could be a good investment. I actually think a good investment to make is something you're passionate about, and a bad investment to make is something you're not passionate about. Um, because if you're interested in it, you'll learn about it, and you do it as a hobby, and you'll know better than anyone else, and then you can make money on it. And if you're not interested in it, then you'll just want to sell it, uh, and you'll just get rid of it, and, um, you, you probably— someone will turn you over. So thanks for tuning in. See you soon. Oh, remember, if you don't risk anything, you risk everything.
