¡Triunfar en La Bolsa de Valores No Requiere de Experiencia!
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¡Triunfar en La Bolsa de Valores No Requiere de Experiencia!

Cómo puede un empleado adolescente no diestro recibiendo salario mínimo convertirse en millonario a sus 60 años.
3.0 (14 ratings)
Instead of using a simple lifetime average, Udemy calculates a course's star rating by considering a number of different factors such as the number of ratings, the age of ratings, and the likelihood of fraudulent ratings.
453 students enrolled
Last updated 5/2017
Spanish
Price: Free
Includes:
  • 1 hour on-demand video
  • Full lifetime access
  • Access on mobile and TV
  • Certificate of Completion
What Will I Learn?
  • Comprender y visualizar los aspectos esenciales de la inversión en acciones.
  • Implementar las mejores estrategias diversificadas.
  • Investigar sobre estrategias concentradas.
View Curriculum
Requirements
  • Solo se requiere de destrezas básicas de lectura y aritmética.
Description

Recientemente pude entrevistar el tercer inversionista más famoso del mundo, Mohnish Pabrai. Warren Buffet y Charlie Munger le anteceden en esta lista, y le proveen de inspiración y ejemplo

El Sr. Pabrai cuenta la historia de un bibliotecario que murió en 2015 con una herencia de $4 millones la cual donó a la Universidad de New Hampshire (UNH).

Mohnish nos explica una estrategia que le permitiría a un adolescente cualquiera con pocas destrezas y salario mínimo alcanzar éxito financiero.

El joven empleado de McDonald’s, Cocinero, recibirá $15,000 anuales producto de 2,000 horas de trabajo a salario mínimo. Este joven podría ahorrar un 10% y contribuir a los gastos del hogar con el otro 90%. Los $1,500 anuales, tomados de su salario bruto pueden ser depositados en una cuenta ROTH IRA (luego de impuestos) o en una cuenta IRA Tradicional (previo a impuestos).

Este ejemplo es uno conservador. Con motivo de simplificar, se presume que nuestro joven de 18 años no recibe pareo por concepto de su participación en un plan de pensiones 401(K) auspiciado por su empleador.

Es decir, se subestiman los depósitos.

Suponiendo que su estrategia de inversión genera un 9% de rendimiento anual. Ajustando los depósitos por concepto de inflación; es decir que un 2% de inflación incrementa la contribución anual a $1,530.

Cincuenta años más tarde, a la edad de 68 años, Cocinero habrá ahorrado $75,000 de salario bruto.

Según la regla de 72, el tiempo que le toma a un depósito original para duplicarse se puede estimar dividiendo la cifra de 72 entre la tasa de rendimiento promedio obtenido. En nuestro caso, 8 años: = 72 ÷ 9%.

¿A cuánto crecerán estos $ 15,000 de depósitos anuales al termino de 50 años, utilizando un 9% de rendimiento?

Respuesta: $ 1,332,662

Lo anterior puede verificarse en Bankrate punto com utilizando los datos provistos anteriormente para nuestro joven empleado no diestro.

¿Te parece esto razonable?

El libro más respetado en las inversiones, "Essentials of Investments" por los profesores Bodie, Kane y Marcus. En su capítulo dedicado a la Teoría de Cartera de Inversión nos informa que, durante el período de 1920 a 2010, una cartera de acciones compuesta de pequeñas empresas estadounidenses obtuvo un rendimiento promedio de 11.80%, 9.62% para una de empresas grandes y un 9.21% para una cartera de acciones internacionales.

Los datos anteriores son promedios geométricos basados en acciones de mercado.

Si nuestro joven Cocinero hubiese utilizado instrumentos de inversión ETF tales como Diamonds (DIA) o Spiders (SPDR), su rendimiento promedio hubiese sido 9.62% para el mismo periodo.

El éxito financiero de la estrategia de inversión discutida por el Sr. Pabrai se debe a los efectos de una tasa de rendimiento compuesta y del factor tiempo.

El fondo de inversión manejado por Prabai, por ejemplo, ha obtenido un rendimiento promedio de 15% durante sus años de existencia. Lo que aplicado a nuestro ejemplo del joven empleado de McDonald’s significaría un balance de cuenta de $12,450,561 al termino de 50 años. Diez veces el resultado anterior resultado de un 6% de rendimiento adicional.

-Doc Brown

P.D.  Inscribete en esta importante comunidad de inversionistas de Mercado.

Who is the target audience?
  • Todo jefe de hogar con ahorros debe tomar este curso.
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Curriculum For This Course
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Dr. Scott Brown Te da la Bienvenida
1 Lecture 03:13

He diseñado este curso con el propósito de proveerte de una base sólida para el manejo de la cartera de inversión de tu familia. Me he percatado de que muy pocos inversionistas poseen una visión clara y abarcadora necesaria para enfrentar los retos del mercado y multiplicar tus valiosos ahorros.

Como aprovechar al máximo este curso.
03:13
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Haz que el mercado trabaje para ti!
2 Lectures 23:54

En agosto de 2004, Google se convirtió en empresa pública en un processo de Oferta Pública Inicial (IPO). Las acciones, que inicialmente traficaron a $85, cerraron su primer día en los mercados valoradas en $100 la unidad. De acuerdo a Yahoo Finance, al principio de 2017 el sistema NASDAQ GS valoraba las acciones de Alphabet Inc. (GOOG) en $801 la unidad.

Lo que representaría una ganancia capital de $716 por unidad para un inversionista primario.

Es decir, una inversión original de $ 85,000 en 1,000 acciones de Alphabet Inc. (GOOG) en el 2004 tendrían un valor de $ 716,000 a principios de 2017.

Este curso está diseñado para proveerte de los conocimientos necesarios para descubrir oportunidades de inversión de este tipo.

Conferencia 1: Rendimientos transformadores
19:44

Valorando Acciones Comunes

El precio de una acción común es fácil de calcular. Solo hay que identificar los flujos de efectivo y descontarlos hasta el presente.

En lo que sigue, revisaremos 4 métodos diferentes para valorar acciones y discutiremos sus respectivas ventajas y dificultades.

Conferencia 2: Teorías de Valoración de Acciones
04:10

Prueba 1

Prueba 1
29 questions
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¡Descubre las Mejores Estrategias que Superan el Mercado!
3 Lectures 21:39

Como el Mercado determina el Precio de los Valores

Los precios se establecen como el precio que el comprador está dispuesto a pagar por un activo en un mercado competitivo. La información desempeña un papel importante en el establecimiento de un equilibrio en el precio de los activos. Si el precio de un activo se considera por debajo de su valor fundamental (teórico), la demanda por el mismo aumentará y arrastrará el precio consigo. Una dinámica similarmente opuesta ocurrirá en caso de un valor excesivo.

Conferencia 1: Como el Mercado Valora los Activos
08:46

Índices Bursátiles

Los índices bursátiles miden el comportamiento de los precios de grupos de acciones. Los principales índices incluyen el Promedio Industrial Dow Jones Industrial, el S&P 500 y el promedio compuesto NASDAQ.

Conferencia 2: Stock Market Indexes
05:28

Regulación del Mercado de Valores

La Comisión de Valores y Bolsa (SEC) tiene una misión principal de "... proteger a los inversionistas y mantener la integridad de los mercados de valores".

A tales efectos, la SEC impone sanciones a firmas e individuos, que pueden llegar hasta un total de 500 casos anuales. Para ello utiliza cuatro divisiones.

Conferencia 3: Regulación del Mercado de Valores
07:25

Prueba 2

Prueba 2
29 questions
About the Instructor
Dr. Scott Brown
4.0 Average rating
641 Reviews
21,304 Students
28 Courses
Major State University Finance Professor, Investments Expert

"There is no one like you that I know of who is this transparent, that is what makes your service and education so valuable. Please keep on." -L.B. A Washington State Stock Investor

Dr. Scott Brown and “Intelligent Investing” — helping you get the most out of your hard earned investment capital.

As an investor, I have spent over 35 years reading anecdotal accounts of the greatest investors and traders in history. My net worth has grown dramatically by applying the distilled wisdom of past giants.

I have researched and tested what works in the world’s most challenging capital markets — and I teach you every trick I know in my Udemy courses!

>>>Learn from leading financial experts!

>>> How about discovering how I have tripled family member’s accounts in six years with simple stock picks?

>>> Want to master set and forget limit stop loss tactics for sound sleep?

>>> Does Forexinterest you?

>>>Is your employer sponsored 401(k) plan optimized?

>>>Do you know the fastest rising highest dividend yielding common stock shares in the market today?

>>> High roller? How would you like to know how to dramatically lever your savings with deep-in-the-money call options?

Enrollin my Udemy courses — you can prosper from all of this — plus much, much more now!

(In the last six years we have exploded our net worth and are absolutely debt free, we live a semi-retired Caribbeanlifestyle in atriple gatedupscale planned community from a spacious low maintenance condo looking down on our tropical beach paradise below).

My Curriculum Vitae:

Investment Writing and Speaking:

I am an internationalspeaker oninvestments. In 2010 I gave a series of lectures onboard Brilliance of the Seas as a guest speaker on their Mediterranean cruise. Financial topics are normally forbidden for cruise speakers. But with me they make an exception because of my financial pedigree.

On day 6 the topic I discussed was “Free and Clear: Secrets of Safely Investing in Real Estate!“ The day 7 topic was “Investment Style and Category: How the Stock Market Really Works!” Then on day 8 I spoke about “The 20% Solution: How to Survive and Thrive Financially in any Market!” The final talk on day 11 was “Value Investing for Dummies: When Dumb Money is Smart!

Gina Verteouris is the Cruise Programs Administrator of the Brilliance of the Seas of Royal Caribbean Cruise Lines. Regarding my on-board teachings she writes on June 19th, “You have really gone above and beyond expectations with your lectures and we have received many positive comments from our Guests.”

I sponsored and organized an investing conference at Caesars Palace in Las Vegas in 2011 under my Wallet Doctor brand. This intimate conference was attended by 14 paying attendees.

As such many strides were made in financial education that week. For instance I met a woman who is a retired engineer from the Reno, Nevada area.

She made a fortune on deep in the money calls during the bull markets of the 90s.

This humble and retired engineer inspired me to look more seriously at deep in the money calls with far expiration. She also gave me an important clue regarding trading volume.

Her call option and volume insights have been confirmed in the Journal of Finance.

In 2012 I gave a workshop at the FreedomFest Global Financial Summit on stock investing at the Atlantis Bahamas Resort. I was also a panelist on a discussion of capital markets.

My course “How to Build a Million Dollar Portfolio from Scratch" at the Oxford Club is an international bestseller. In 2014 I co-authored “Tax Advantaged Wealth” with leading IRS expert Jack Cohen, CPA. This was the crown jewel of the Oxford Club Wealth Survival Summit.

I have been a regular speaker at the Investment U Conferences.

In 2012 I gave a workshop entitled “How to Increase Oxford Club Newsletter Returns by 10 Fold!” The conference was held at the Grand Del Mar Resort in San Diego, California. This resort destination is rated #1 on TripAdvisor.

In 2013 I spoke at the Oxford Club’s Investment U Conference in San Diego California. The talk was entitled “The Best Buy Signal in 103 Years!” Later in the summer I spoke at the Oxford Club Private Wealth Conference at the Ojai Valley Inn.

This was at the same time that Jimmy Kimmel married Molly McNearney in the posh California celebrity resort. It was fun to watch some of the celebrities who lingered.

I also operate a live weekly investment mentorship subscription service under the Bullet-Proof brand every Monday night by GoToWebinar.

Academic Research:

I am an associate professor of finance of the AACSB Accredited Graduate School of Business at the University of Puerto Rico. My research appears in some of the most prestigious academic journals in the field of investments including the Journal of Financial Research and Financial Management. This work is highly regarded on both Main Street and Wall Street. My research on investment newsletter returns was considered so important to investors that it was featured in the CFA Digest.

The Certified Financial Analyst (CFA)is the most prestigious practitioner credential in investments on Wall Street.

Prestigious finance professor Bill Christie of the Owen School of Business of Vanderbilt University and then editor of Financial Management felt that our study was valuable to financial society. We showed that the average investment newsletter is not worth the cost of subscription.

I am the lead researcher on the Puerto Rico Act 20 and 22 job impact study. This was signed between DDEC secretary Alberto Bacó and Chancellor Severino of the University of Puerto Rico.

(See Brown, S., Cao-Alvira, J. & Powers, E. (2013). Do Investment Newsletters Move Markets? Financial Management, Vol. XXXXII, (2), 315-338. And see Brown, S., Powers, E., & Koch, T. (2009). Slippage and the Choice of Market or Limit orders in Futures Trading. Journal of Financial Research, Vol. XXXII (3), 305-309)

Graduate Degrees:

I hold a Ph.D. in Finance from the AACSB Accredited Darla Moore School of Business of the University of South Carolina. My dissertation on futures market slippage was sponsored by The Chicago Board of Trade. Eric Powers, Tim Koch, and Glenn Harrison composed my dissertation committee. Professor Powers holds his Ph.D. in finance from the Sloan School of Business at the Massachusetts Institute of Technology [MIT]. Eric is a leading researcher in corporate finance and is a thought leader in spin offs and carve outs.

Dr. Harrison is the C.V. Starr economics professor at the J. Mack Robinson School of Business at Georgia State University.

He holds his doctorate in economics from the University of California at Los Angeles. Glenn is a thought leader in experimental economics and is the director of the Center for the Economic Analysis of Risk.

Tim Koch is a professor of banking. Dr. Koch holds his Ph.D. in finance from Purdue University and is a major influence in the industry.

My dissertation proved that under normal conditions traders and investors are better off entering on market while protectingwith stop limit orders. The subsequent article was published in the prestigious Journal of Financial Research now domiciled at Texas Tech University — a leading research institution.

I earned a masters in international financial management from the Thunderbird American Graduate School of International Business. Thunderbird consistently ranks as the #1 international business school in the U.S. News & World Report, and BloombergBusinessWeek.

Academic Conferences:

I spoke at the 2010 annual conference of the International Association of Business and Economics (IABE) conference in Las Vegas, Nevada. The research presented facts regarding price changes as orders flow increases in the stock market by advisory services.

I spoke at the 2010 Financial Management Association [FMA] annual conference in New York on investment newsletters. The paper was later published in the prestigious journal “Financial Management.”

I presented an important study named “Do Investment Newsletters Move Markets?” at the XLVI Annual Meeting of the Consejo Latinoamericano de Escuelas de Administración (CLADEA) in 2011 in San Juan, Puerto Rico. The year before that I presented my futures slippage research at a major renewable energy conference in Ubatuba, Brazil.

I spoke at the Clute International Conferences in 2011 in Las Vegas, Nevada. The research dealt with the price impact of newsletter recommendations in the stock market.

I presented a working paper entitled “The Life Cycle of Make-whole Call Provisions” at the 2013 Annual Meeting of the Southern Finance Association in Fajardo, Puerto Rico in session B.2 Debt Issues chaired by Professor LeRoy D. Brooks of John Carroll University. Luis Garcia-Feijoo of Florida Atlantic University was the discussant. I chaired the session entitled “Credit And Default Risk: Origins And Resolution.” Then I was the discussant for research entitled "NPL Resolution: Bank-Level Evidence From A Low Income Country" by finance professor Lucy Chernykh of Clemson University and Abu S Amin of Sacred Heart University and Mahmood Osman Imam of the University of Dhaka in Bangladesh.

That same year I presented the same study to the Annual Meeting of the Financial Management Association in Chicago, Illinois. I did so in session 183 – Topics in Mergers and Acquisitions chaired by James Conover of the University of North Texas with Teresa Conover as discussant. I chaired session 075 – Financial Crisis: Bank Debt Issuance and Fund Allocation. Then I was the discussant for TARP Funds Distribution: Evidence from Bank Internal Capital Markets by Elisabeta Pana of Illinois Wesleyan University and Tarun Mukherjee of the University of New Orleans.

Academic Service:

I am a member of the MBA Curriculum Review Committee, the MBA Admissions Committee, The Doctoral Finance Admissions Committee, the Graduate School Personnel Committee, and the Doctoral Program Committee of the School of Business of the University of Puerto Rico.

Financial Journalism:

I am the editor of Momentum Investor Magazine. I co-founded the magazine with publisher Daniel Hall, J.D. We have published three issues so far. Momentum Investor Magazine allows me to interview very important people in the finance industry. I interview sub director Suarez of the DDEC responsible for the assignment of Puerto Rico act 20 and 22 licenses for corporate and portfolio tax reduction in the third edition. Then I interview renowned value investor Mohnish Prabia in the upcoming fourth edition — to be made available via Udemy. Valuable stock market information will be taught throughout.

Charity:

In October of 2010 I arranged for the donation to The Graduate School of Business of the University of Puerto Rico of $67,248 worth of financial software to the department that has been used in different courses. This was graciously awarded by Gecko Software.

I have guided thousands of investors to superior returns. I very much look forward to mentoring you as to managing your investments to your optima! –Scott

Dr. Scott Brown, Associate Professor of Finance of the AACSB Accredited Graduate School of Business of the University of Puerto Rico.

Gadiel Ramirez
3.7 Average rating
58 Reviews
2,431 Students
2 Courses
Finance Doctoral Student

Gadiel Ramirez is a finance doctoral student at the AACSB Accredited Graduate School of Business. His dissertation includes measurement of the local job impact of Act 20 and Act 22. He is an expert at reducing portfolio taxes through both acts.

As part of his doctoral work Gadiel spearheads a team of corporate finance MBA students who research and present a free course on Act 20 and 22 as public service to assist in bringing new jobs to the Puerto Rican island economy.

Professor Eric Powers and Professor Scott Brown guide Gadiel's dissertation.

Professor Powers is an associate professor of finance of the AACSB Accredited Darla Moore School of Business of the University of South Carolina. Eric holds a Doctorate. in finance from the Sloan School of Business of the Massachusetts Institute of Technology. Professor Brown is an associate professor of the AACSB Accredited Graduate School of Business of the University of Puerto Rico. Scott holds a Doctorate in finance from the Darla Moore School of Business of the University of South Carolina.