Ray Dalio Explaining Principles of Investing Audiobook In Hindi

Описание: Ray Dalio, the founder of the world’s largest hedge fund, Bridgewater Associates, treats investing like a science.1 He views the economy as a "simple machine" and believes that by understanding its mechanics, you can build a portfolio that thrives in any environment.2As of 2026, his core investment principles remain centered around three major pillars:1. The "Holy Grail" of Investing3Dalio’s most famous principle is that you can reduce your risk by 80% without reducing your returns if you find 15 to 20 uncorrelated return streams.4Correlation is the Enemy:5 If you own 20 tech stocks, you aren't diversified; you’re just betting on tech. When tech drops, everything drops.The Magic Number: Dalio discovered that once you have roughly 15 investments that do not move together (zero correlation), your "return-to-risk ratio" improves by a factor of 5.6The Goal: To have different assets that "zig" when others "zag." This allows for a smooth, upward wealth curve rather than a roller coaster.2. The "All Weather" Strategy7Dalio argues that there are only four "seasons" in the economy, driven by two factors: Growth and Inflation.8 He believes every asset class performs well in one of these four environments:Economic EnvironmentWhat to OwnRising GrowthStocks, Commodities, Corporate CreditFalling GrowthGovernment Bonds, Inflation-Linked BondsRising InflationCommodities, Gold, Inflation-Linked Bonds (TIPS)Falling InflationStocks, Government BondsThe All Weather Portfolio balances your money across these four quadrants so that no matter what "weather" hits the global economy, some part of your portfolio is catching a tailwind.93. Understanding the "Economic Machine"10Dalio’s investing is rooted in his "template" for how the world works.11 He looks at three main forces:Productivity Growth: The slow, steady increase in knowledge and efficiency over time (the "trend line").The Short-Term Debt Cycle: The 5–8 year cycle of "boom and bust" controlled by Central Banks raising and lowering interest rates.The Long-Term Debt Cycle: A much larger cycle (75–100 years) where debt rises faster than income until it reaches a breaking point (a "Deleveraging").Dalio’s Current Warning (2026 Context): He often emphasizes that we are in the late stages of a Long-Term Debt Cycle, characterized by high debt, domestic social tension, and the rise of great power conflicts. In this phase, he prioritizes hard assets (gold, commodities) and geographic diversification over traditional cash and bonds.4. Radical Open-Mindedness12Finally, Dalio teaches that the biggest mistake an investor can make is to be sure they are right. He uses a process called "Triangulation":Never make a big bet based on your opinion alone.Find the smartest people who disagree with you and ask them to stress-test your logic.13If your thesis survives their scrutiny, your "probability of being right" goes up.Summary of the "Principles" mindset:Cash is a "trash" investment because it loses value to inflation over time.Don't try to beat the market (the "producers") unless you have a systematic, data-driven edge.Systematize everything.14 Write down your investment rules so you don't make emotional decisions during a crash.

#finance #investing #money #personalfinance #financialfreedom #wealth #moneymanagement #stockmarket #stocks #trading #daytrading #forex #realestate #cryptocurrency #crypto #bitcoin #passiveincome #financialliteracy #financialplanning #budgeting #savingmoney #debtfree #retirementplanning #fintech #Shorts #YouTubeShorts #financeShorts #investingShorts