The ‘AI Bubble'? The ‘Everything Bubble'?…Is the stock market actually overvalued? And what should you do about it? We're in …
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The ‘AI Bubble'? The ‘Everything Bubble'?…Is the stock market actually overvalued? And what should you do about it? We're in …
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44 comments
Curious where all this AI hype is heading? Be one of the first to test our new financial guidance AI: https://getmost.co.uk/chat (Don’t worry, no robot overlords… yet.)
Any suggestion on bonds like VAGP etc. on trading 212 and uk 🇬🇧
Brilliant question Damian. Love all your presentations because you ask questions backed up by proper research. Keep up the great work you are doing 😊
Another reason Buffet is so rich is because of time.
Nearly every video I watch is, be in it long term. I’ve got 10 / 12 years
Is this technically wrong? What’s priced in presumably is an average across multiple scenarios, with the price reflecting the expected outcome based on those scenarios. However, if you then know information which means you think this is an incorrect probability of the outcome, then you’d price it accordingly. e.g. if you thought the actual likelihood was either much higher or much lower than that priced by the market. Similar to oil futures pricing in events, but there is still a movement if they do happen because the price reflected a balance of probabilities?
All these finance channels are the same. They’re either pushing some BS guru nonsense or they’re wasting countless hours rehashing the same few conversations over and over about how you should just invest early and get wide diversification from low cost index funds and ignore the hype and bust cycle.
There, just saved you from wasting countless hours watching this stuff.
None of these videos are going to drop some kind of knowledge bomb that’s going to make you better at finance.
They’re just low quality entertainment posing as education.
How many times do you need to hear the same basic advice repeated in different ways by different people who are only on the channel because they have their own channel repeating the same advice?
The irony is all that time you’re wasting pretending this stuff is teaching you new, useful info is an absolutely horrible way to invest your time.
You could be learning how to actually make more money, spend time in the gym or getting your diet improved, spend time with friends and family.
“But I just listen while I’m doing something else.”
You’re wasting mental energy, you’re losing the opportunity to let your brain relax, be bored, and through that, make new ideas, connections, and dopamine detox.
So what will you do? Go watch hours more videos of people telling you “You can’t time the market.” “Just invest in a global ETF” in a thousand different ways?
Or you going to use your more precious resource, the little time in life you have left, doing things that actually make your life better?
The three amigos!! Amazing insights with a backbone in the real world for the everyday man in the street!
58 years old, £60k available to invest . Where do I pit it??
I understand what this guys always say but the Japanese stock market keeps me away stocks.
I'll invest this year. I like bubble. Time to put more money.
If you are under 55 you should be praying for a crash, multimillionaire wisdom!
microsoft prolly gunna crash soon with the advancement of AI
The lump sum question was really reassuring thank you.
So refreshing to listen to 3 investors who have common sense and self awareness. I've recently started following Toby, and thanks to him, found out about Stocks and Shares ISAs…how is this not taught in school or in some other way communicated better.
Knowing you can't know the future actually takes a lot of the burden off my shoulders to invest wisely, and it does seem the wisest thing to do is choose one or more index funds which give a good investment spread.
One of the best episodes, thanks lads.
Ironically, the more people that get into investing, the less they spunk on junk that the companies they invest in make profit 🤔😂
What a trio. Really enjoyed the podcast. Nice to see Toby back again.
U u
I'm obsessed with the idea of timing the crash that's sure to come soon… but ultimately I'll stay invested and not run to cash, I'm strongly happy with my passive and active fund mix across a globally diversified portfolio. It'll do well considering I have a 10+ year time horizon. Chill ❄️
Great podcast guys…
Bring on the sex robots…
I wonder where that cotton came from to Manchester's cotton mills? 🤔
It's going straight up for the next 5 years
Invest in etfs, blue chips via dollar cost averaging, Seek out low fee mutual funds that reflect the broader market. Fill tax advantaged buckets first. i also involved an FA handling my investments pretty much how i grew to a 7 figure portfolio.
I think you missed the mark on this one.
People say “if the market crashes just keep DCA’ing” but that really depends on your age time horizon and the current macro landscape. CA isn’t a universal solution it’s a tool and context matters.
Right now we’re dealing with a rare overlap of structural pressures on the global monetary system:
• record government debt
• persistent inflation and fiat debasement
• geopolitical fragmentation
• liquidity and repo market stress
• volatile bond markets
• markets driven more by liquidity flows than fundamentals
None of this means “stop investing” but it does mean you should be intentional not automatic.
Under 30: Long runway. DCA works well but still diversify and avoid relying solely on U.S. largecap growth narratives.
30–45: Prime earning years. Still DCA but pay attention to valuations sector concentration, and overall portfolio risk.
45–60: Sequence of returns risk matters. Crashes can directly impact retirement timelines. Balance growth with stability.
60+: Capital preservation and income become priority. DCA into a falling market isn’t always appropriate; liquidity and lower volatility matter more.
Bottom line: DCA isn’t a religion it’s just one approach. Your strategy should align with your age, risk tolerance and the actual macro environment not slogans.
Great to see you guy's on the same podcast, enjoy all your insights. Investing for the last year so the beginning of a long, long journey! Keep it up
Two of my most-watched YouTubers, nice one!
Three know it alls who are actually just guessing!
A crash is always coming, dont try to predict it, plan for it.
Great convo with very grounded perspectives.
Brilliant stuff! Good geezers.
My new everyday podcast
Yes it will crash and no on investing….cash is king during recessions. Warren Buffet has been selling off and is sitting on a ton of billions in cash
Mommy pig, daddy pig and pepper pig, that's a very interesting insight into the state of your mental health, you look like adults yet you're relating your self to the characters in a children's cartoon. OK I for one simply will never take financial advice from a children's cartoon. Holy crap the psychopathy.
this is just a thought, but since the human population will drop quite significantly at some point in the future, maybe that is the reason why companies are pushing for automization/AI? to make sure we have what we have now later down the road…?
I keep it simple, vast majority of my money in a global index fund and 5 individual companies I believe in. A tiny bit of a gamble in crypto.
I started with $5k just last week in 2025 and now lve hit $87,590. I was having this exact conversation with my son the other night–generational wealth isn't just about getting money. It's about teaching everyone not only how to make it, but also how to maintain it. It does no good for me to provide for my family if they dont understand how to manage and sustain it That's why I really love this video
I am sad you guys didnt mention all the debt leverage, the folks buying debt to invest due to all the hype, the % who arent paying their debts, such as car finance is rapidly growing month on month, the consumer debt stuff, the idea that we are K-shaped -people feel/felt bullish re stock market and bearish re own circumstances
And the basic new disruptive tech pattern where there's always initial hype, then trough of disappointment (MIT study states 95% of companies who adopted AI couldnt make ROI) and then things get tweaked, practical applications and use cases, profit starts and then gradual confidence and thus becomes a typical growth pattern and the s-curve adoption happens
I think u guys were too focused on trying to be unbiased, to have everything balance out equally
I think if ur already in the market, do exactly as the boys are saying, assuming you still have 15+ years time horizon
My £300 pot -T212 stopped me investing when i switched from ESA to UC, it was only £6/fortnight, but apparently disability makes u too dumb to budget 'pizza money' to have skin in the game, to prepare for a future inheritance that'll kick u off benefits XD That was back in march/april, so ive missed the worst of this year's hype and my pot has gained an extra £40 this summer -even so, ive felt that urge to sell all week n then i see the week's downwards trend n i strongly anticipate market will be red yet again on monday .. too many THINK we are heading into a bear market, self-fullfilling prophecy as much as a black swan can create it -3yrs pizza money, i wont miss it should it drop below 30% or more, so for me to be feeling the urge to sell, it must be more intense for others, esp those considering divesting away from the AI sector
I love you guys, youve helped me so much from where i was, BUT …
should the expected crash no happen by time inheritance arrives, i aint doing an equal DCA across the year!
The more over-valued, the less im putting in and i'll save the extra for when the market is undervalued, so it can act like 'dry powder' n thus my average will be even lower and in a few years time, my gains even better … Twice in the last 125yrs, the market has taken 15yrs or longer to reach the previous peak. MANY are saying this coming decade will be side-ways, so im gunna do EVERYTHING i can to tilt things in my favour for my end goal date 25yrs from now
I think weekly DCA is too frequent for newbie mental health and monthly causes you to miss too much. i think swwet spot is fortnightly
What i havent figured out is my metric; the RSI, the moving averages, the buffet and there maybe others i dont yet know about
36 Trillion US dollar debt, 2 Trillion pounds UK debt ? World debt interest payments are now greater than countries tax receipts. Surprised this wasn't discussed as a risk? No one knows when a crash will come.
im invested in AI, im up over 70 percent. So tell me, your going to say I need to invest in one global fund? What absolute rubbish.
Toby is a great fit for this podcast, love the ones with him in
When AI takes away jobs and the companies concentrate on profit they’ll be in for a rude awakening when their unemployed customers can’t spend. So what will they do, cut more jobs and make efficiencies and then wonder why the situation is getting worse…
Every day Damien looks more like Cillian Murphy