In a recent episode of the Raising Private Money podcast with Jay Conner, guest Keshav Kolur shared his invaluable expertise on the intricate landscape of investments. This blog post delves into some key takeaways from their conversation, offering practical advice on smart investment strategies.
Investment Advice from Keshav Kolur
Don’t Invest More Than You Can Afford to Lose
One of the fundamental pieces of advice from Keshav Kolur is to only invest what you can afford to lose. This principle might seem straightforward, but it’s often overlooked by enthusiastic investors. Maintaining a reserve for unforeseen expenses is crucial in preventing financial distress in the face of market volatility.
Diversification is Key
Kolur emphasizes diversification across various asset classes and real estate markets. By spreading investments, the risk is mitigated. For example, rather than placing all funds in one sector, it is wiser to allocate capital into different sectors like apartments, industrial warehouses, private lending, and even oil and gas. This strategy provides a buffer against downturns in any single market.
Understanding Current Market Trends
Tech Stocks’ Influence on the Stock Market
Tech stocks, often referred to as the “big seven,” are becoming increasingly influential in driving the growth of the stock market. This concentration can be both an opportunity and a risk, highlighting the importance of balancing portfolios.
Real Estate Market Dynamics
Currently, the real estate market is experiencing certain stress points, such as foreclosures due to loan payment failures and an increased supply. Despite the rising interest rates, housing prices have remained steady. This paradoxical scenario suggests an underlying demand that savvy investors can capitalize on.
Keshav Kolur’s Company: Clive Capital
Personalized and Transparent Investing
Keshav Kolur founded Clive Capital with the vision of providing personalized investment opportunities that ensure higher returns and tax benefits. By investing directly into LLCs, investors benefit from direct tax deductions and expenses, creating a more profitable and transparent relationship compared to traditional corporate investments.
Higher Projected Returns and Lower Overheads
Clive Capital’s streamlined operations mean less overhead, promising higher returns on investment. Clients enjoy direct engagement with managers, receiving regular updates on performance, and fostering trust and transparency.
Keshav Kolur’s Journey and Clive Capital’s Mission
From Engineering to Real Estate Investing
In just a few years, Kolur transitioned from a mechanical engineer to a significant player in real estate, catalyzed by influential readings such as “Rich Dad Poor Dad.” His journey underscores the importance of education and adaptability in investment ventures.
Building a Diversified Portfolio
Established in January 2022, Clive Capital focuses on helping investors achieve financial freedom through diversification. Managing over 1,000 apartments and developing more than 500 single-family homes, their commitment to building generational wealth is evident.
Raising Private Money: Strategies and Best Practices
Leveraging Personal Networks
Kolur’s method of raising private money highlights the power of personal networks. By tapping into connections within his tech industry network, along with friends and family, he underscores the value of mutual success and trust in investment partnerships.
Initial Conversations with Potential Investors
In his approach, Kolur conducts 30-minute introductory calls to understand potential investors’ backgrounds, experiences, and financial goals. This personalized assessment ensures that the investment opportunities align well with the investors’ needs and expectations.
The Motivation and Approach Behind Investments
Identifying the ‘Why’ Behind Investments
Understanding why individuals invest is crucial—whether it’s for financial freedom, growth, tax benefits, or more family time. This clarity helps tailor investment strategies to maximize benefits for each investor.
Benefits of Alternative Investments Outside the Stock Market
Risk-Adjusted Returns and Tax Benefits
Investing outside the stock market can yield higher risk-adjusted returns and tax benefits like deductions and depreciation losses. Moreover, the reduced daily volatility compared to stock markets, and fewer political influences, create a more stable investment environment.
Real Estate as a Solid Investment
Jay Conner highlights the tangibility and understandability of real estate investments. He prefers real estate for its reduced volatility and promising returns, exemplified by his recent successful flip.
Ensuring Investment Success: Risk Management Strategies
Selecting the Right Partners
The importance of partnering with experienced and trustworthy individuals cannot be overstated. Kolur and Conner both emphasize due diligence to avoid inexperienced or dishonest operators, ensuring the success of investments.
Conclusion
Keshav Kolur’s insights, alongside Jay Conner’s experienced observations, form a comprehensive guide for navigating today’s complex investment landscape. By emphasizing diversification, personalized strategies, and transparent dealings, investors can better position themselves for success, achieving financial freedom and stability in a fluctuating market.
For those interested in learning more, educational resources and contact information are available through the Clive Capital website and Jay Conner’s offerings.
10 Discussion Questions from this Episode:
- Investment Philosophy:
- Keshav Kolur emphasizes not investing more than you can afford to lose. How does this principle align with or differ from your current investment strategy? Can you share a personal experience where this advice would have changed your approach?
- Diversification:
- Keshav recommends diversification across different markets and asset classes. How have you diversified your investments, and what challenges have you faced?
- Market Trends:
- The episode discusses current market trends, including the impact of tech stocks on the stock market and real estate market conditions. How do you think these trends will evolve in the next 12 months?
- Private Lending and Asset Classes:
- Considering Keshav’s mention of private lending and asset classes like oil and gas and industrial warehouses, do you find any alternative investments particularly intriguing? Why?
- Tax Benefits and Returns:
- The benefits of direct investment through syndications versus larger corporations like Exxon are highlighted. Have you experienced tax advantages or higher returns through syndications or private investments?
- Trust and Transparency:
- Jay Conner emphasizes the importance of trust and transparency with investment managers like Keshav. How important is direct communication with your investment manager to you, and why?
- Educational Resources:
- Keshav offers various educational resources, including lead magnets and eBooks. What type of educational materials have been most beneficial in guiding your investment decisions?
- Starting Conversations with Investors:
- Keshav conducts 30-minute introductory calls with potential investors. If you were to have such a call, what key questions would you ask to ensure the investment aligns with your goals?
- Raising Private Money:
- Keshav utilized his network, especially in the tech industry, to raise private money. What strategies have you used or would consider using to raise funds for an investment project?
- Alternative Investments vs. Stock Market:
- Keshav and Jay discuss the advantages of investing outside the stock market, including risk-adjusted returns and lower volatility. What are your thoughts on these benefits, and how do they influence your investment decisions?
Fun facts that were revealed in the episode:
- Keshav’s Investment Inspiration:
Keshav Kolur was inspired to delve into investing after reading “Rich Dad Poor Dad” during a flight. - From Mechanical Engineer to Real Estate:
Initially starting as a mechanical engineer, Keshav shifted his career path dramatically by becoming a successful realtor and investor within a couple of years. - Reddit Influence:
A Reddit post by a roommate influenced Keshav’s pivot from single-family home investments to larger syndications, leading to significant investment in 108 apartments in San Antonio.
Timestamps:
00:01 Raising Private Money Without Asking For It.
04:45 Creating wealth for the family, founded Clive Capital.
07:00 Networking with friends, family, social media, LinkedIn.
13:04 LLC ownership: expenses, deductions; stock market volatility.
16:55 Choose trustworthy partners to mitigate private lending risks.
17:47 Fraudulence and inexperience risk your investment capital.
21:17 The stock market thrives, tech stocks dominate, and real estate declines.
27:33 Personalized, transparent investing with clear performance insights.
28:41 Investors invest in you, valuing transparency, and accessibility.
29:39 Connect with Keshav Kolur: https://www.linkedin.com/in/keshavkolur/
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