4d • General discussion
COMPLETE INVESTING NEWSLETTER #1
Don't Let an AI Bubble Stop You Building Wealth.
Every few years investors convince themselves that "this time is different."
Maybe. But here's the mistake I see ordinary investors making...
They think they need to predict whether AI will crash before they invest.
You don't.
IT’S 100% NOT ABOUT TIMING THE MARKET. IT’S ABOUT TIME IN THE MARKET.
Investing isn't about predicting.
It's about behaviour.
The investors who build wealth over 20 or 30 years aren't the ones who perfectly time the market.
They're the people who continue investing whether markets are:
- Expensive
- Cheap
- Euphoric
- Terrified
They simply keep buying. Month after month. Year after year. That's why I'm such a big believer in Dollar Cost Averaging (DCA).
If AI crashes...AWESOME. Your monthly investment buys more shares.
If AI keeps booming...AWESOME. Your existing investments continue growing.
Either way, your investing plan doesn't change.
Remember the Dot-Com Bubble?
In 2000 everyone thought they knew who would dominate the internet. Many were wrong….
Cisco was supposed to own the future. Yahoo looked unstoppable. Google was nowhere.
Hundreds of companies disappeared altogether. Yet one company (sorry one of the few companies) quietly survived the crash...Amazon.
Its share price fell more than 90%, but long-term investors who stayed invested were eventually rewarded many times over. The lesson wasn't that bubbles don't happen—it was that identifying the ultimate winners in advance is incredibly difficult.
That's why I prefer broad investing rather than trying to pick tomorrow's winners.
Your Behaviour Matters More Than Your ETF
People spend hours asking:
"Which ETF should I buy?"
The better question is:
"Can I keep investing every month for the next 20 years?" Or even 10-15 years is enough in many cases depending on age and your own individual circumstances.
Because consistency beats perfection.
The difference between retiring comfortably and working until 70 usually isn't finding the perfect investment...It's sticking with a sensible one.
Want More AI Exposure?
If you already own a global index fund, you almost certainly (like 99% certainty) own companies like Microsoft, Nvidia, Amazon, Alphabet and Meta.
But if you'd like additional exposure to AI, here are a few ETFs worth researching.
1. Nasdaq-100 ETF
A simple way to gain more exposure to the world's largest technology companies.
Ideal if you believe AI will continue driving big US tech.
2. VanEck Semiconductor ETF
AI cannot exist without chips.
This ETF focuses on semiconductor companies like Nvidia, TSMC, Broadcom, AMD and ASML.
As recent commentary has highlighted, demand for AI chips and memory remains exceptionally strong, although semiconductor stocks can also be volatile.
3. WisdomTree Artificial Intelligence ETF
A global basket of businesses directly involved in AI software, robotics and machine learning.
4. iShares Automation & Robotics ETF
AI isn't just ChatGPT.
Automation and robotics are transforming manufacturing, logistics and healthcare.
This ETF provides exposure to those long-term trends.
5. Global X Artificial Intelligence & Technology ETF
A more concentrated AI-focused portfolio for investors wanting higher growth potential—and who understand the higher risk that comes with it.
My Personal Approach
If you're just starting your investing journey...
I'd still prioritise:
✅ Global Index Fund
✅ Monthly investing
✅ Increasing contributions every year
Only after building that solid foundation would I think about adding specialist ETFs such as AI, technology or semiconductors. Or even higher risk assets like crypto – what me and some of the active members of this community invest into.
The thing is - no one knows exactly which AI companies will dominate over the next decade—but history suggests that staying invested through uncertainty is one of the biggest advantages an ordinary investor has.
Final Thought
Don't let the fear of an AI bubble stop you investing.
I had a 1-1 call with one of our newest members last weekend and one of the 1st things he mentioned was the AI bubble everyone is talking about.
Markets will always find something to worry about…
Interest rates. Inflation. Wars. AI. Recessions…
The headlines change.
Successful investors don't…
They keep buying. They keep learning. And they let time do the heavy lifting.
Question of the Week
Do you think AI is in a bubble, or are we still in the early stages of a technological revolution?
Get in the comments – the more active the members are the better this group will be.
If you want this in more detail see below my latest video...
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COMPLETE INVESTING NEWSLETTER #1
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