Luyện nói tiếng Anh bằng Shadowing qua video: Be careful..

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Be careful.

This video is going to be a little bit more heartfelt,

a little more where I'm just talking to you straight because in all of my years of finance,

this year's starting to look eerily similar to some of those bad, bad years that we had in the stock market.

And it's not necessarily about a bad year in the market, but more so about what I'm seeing in the industry overall

and how so many people are being taken advantage of or losing money unnecessarily.

And so let me help you.

With the stock market falling and with fear spreading everywhere, investors are about to make some very expensive mistakes.

Now in videos like these, it's good to hear warnings and what to watch out for,

but also what I'm going to do is I'm going to go the extra mile

and actually show you how to prepare and what to do to make sure that you're a very successful investor.

Times like these aren't necessarily fun and definitely not easy, but it can be where you separate yourself from the rest of the pack.

I've been investing personally for over 20 years and I've helped thousands of people with their investments.

I know that these are the moments that separate investors from getting

that long -term wealth building from those that are going to sabotage their own portfolios.

So today I want to share six things every investor needs to remember before making their next move.

My name is Nolan Govea, my students call me

Professor G, and I made this channel to make investing simplified.

Remember that all investing carries risks, so do your own research.

This is not financial advice, and I'm not a financial advisor.

The biggest danger during a stock market decline isn't necessarily the market itself.

It's how investors react to it.

Building wealth isn't about predicting the next crash, but having the discipline to survive it and benefit from long -term compounding.

So number one, be careful who you're listening to.

When stocks start to fall, suddenly everybody becomes this expert on when the next crash is going to happen and how much it's going to crash.

Remember, fear generates clicks, but it doesn't necessarily generate wealth.

The people screaming the loudest about the market are rarely the ones helping you build a successful 20 -year investment strategy.

My goal here on this channel is to help you to build a portfolio that not only could withstand any bad market,

but also lets you thrive in a very good market.

If you hear and know the facts that you cannot time the market,

but then the person you keep listening to keeps telling you to switch your holdings based on temporary events,

this is a conflict and this is not smart.

I've worked with multi, multi -millionaires and I can tell you without a doubt

that the common theme is that they didn't mess with their portfolio.

They did the research, they set their portfolio, they usually automated in some way,

shape, or form, and then they just let the market do its thing.

So be careful who you're listening to.

Sometimes people give me some feedback and they say,

hey, sometimes on your videos it sounds like you're saying the same thing every once in a while.

Well, I think that's a good thing.

If I'm sticking to what I've said in the bad market, in the good market, in the sideways market,

that means that consistency is something that I'm practicing what I preach.

In much of life, consistency is the key.

Moving on to number two, don't confuse temporary losses with permanent mistakes.

A portfolio dropping 10%, 15%, or even 20 % doesn't automatically mean that your investing strategy is broken.

Market corrections and bear markets are a normal part of investing, and historically, diversified stock investors who stayed invested over long periods have often been rewarded.

The real danger is turning temporary fear, temporary emotions into a permanent loss by panic selling and getting out of the market.

Like I said from before, I've worked with thousands of investors and the ones who have made the most money have stayed in the market.

The ones who have the biggest regrets are the ones who took money out because something big was happening.

There was some fear and it was justified.

There was real fear.

Something bad was happening, whether it be COVID, a new president, some type of shock or war.

Those are real things.

But if you look back in the data and you look back at the stock market every single year,

there's some reason to get out of the stock market.

But if you look at the S &P 500 chart, it just would have been a very smart move to stay invested

because it's very much up and to the right with some small dips here and there.

Now I am an actual university professor.

And so every semester I show my university students this graphic many times.

Look at the navy blue versus the orange.

Blue is when the market's up and orange is when it's down or in a bear market.

Visually, it's quite simple.

It's way more blue than orange.

The stock market's up way more than it's down.

Stay the course.

For those of you in retirement, have a robust emergency fund of three years worth of expenses to cover that short orange period,

but overall stay the course.

Number three, the stock market transfers wealth from the inpatient to the patient.

One of the biggest mistakes in investing that I see, and I see this every single month,

is that people either buy when everyone else is excited and when the market's up, or they're selling when the market's dropping.

Think about the investors who sold during 2008, March 2020, or the 2022 bear market and never got back in.

The goal isn't to avoid volatility, it's to avoid letting volatility control your decisions.

One of the wisest investors ever, one of the best investors ever, Warren Buffett, says this.

No called strikes in the business.

The pitcher just stands there and throws balls at you, and if you're playing real baseball and it's between the knees and the shoulders,

you either swing or you get a strike call on you.

If you get too many call on you, you're out.

In the securities business, you sit there and they throw U .S.

Steel at 25, and they throw

General Motors at 68, and you don't have to swing at any of them.

They may be wonderful pitches to swing at, but if you don't know enough, you don't have to swing.

And you can sit there and watch thousands of pitches

and finally you get one right there where you want something that you understand.

You don't have to swing.

Understand what you're investing in.

Be patient and understand what you're about to invest in or what you're already invested in.

This is some of the simplest advice that will actually impact your financial life forever.

Number four, lower prices can actually work to your advantage.

Why is it that everywhere else, other than the stock market, if we see something that we like that's a lower price,

we say, ooh, that's a good thing.

But then in the stock market, we see a company that we've either bought into before or we're thinking about buying and have research,

but then it goes down, lower price, and we say, oh, I'll just wait.

I'll wait on that.

I actually don't like it now that it's cheaper.

This doesn't make sense.

If you're investing for another 10 years,

20 years, 30 years, why would you want this stock to be more expensive for you to then buy into?

When broad market ETFs like VU or VTI or QQQM decline, your regular contributions can purchase more shares for the same amount of money.

For long -term accumulators, market declines can be opportunities rather than disasters,

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provided your financial situation and investment thesis haven't changed.

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Like, look at this.

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For the past three years, I've been telling people to keep a balanced portfolio,

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make sure to do the entire three fund portfolio that I always talk about, and specifically add to SCHD.

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But if you look at SCHD from 2023 to 2026, it was quite flat, so nobody listened.

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Well, now this year, SCHD's up over 30%, while the other big indexes, like the S &P 500 and NASDAQ 100, are way, way behind.

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My three -fund portfolio did amazing over the past three years when everything was up big, but then even this year,

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while most portfolios are yielding around 10 % to 12 % or less, mine's up almost 20 % because of SCHD and Berkshire Hathaway primarily,

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and I've been buying those for years, especially when they were down, not up.

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You don't get rich in investing by buying things when they're up.

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You get rich in investing when you buy, when things are down or even sideways,

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when everybody else is following the pack on other stocks and other investments that are already too high, and you stick to your research,

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and you stick to your guns, and you buy when nobody else is buying.

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But don't confuse that with this next one, which is number five, and be careful about trying to time the exact bottom.

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While yes, buying low is the goal,

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it's also not something that you can do accurately and probably will mess with your investing and hurt your long -term wealth.

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Most of my clients ask me this question that I'm sure you've thought yourself.

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They say, Professor G, wouldn't it just be the best idea to buy when the stock actually drops another 10 %?

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Right now it's like kind of up near its high or this ETF is up a bit.

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I'm just going to wait till it drops, then I'll buy at that point,

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then it'll come back up and I'll just make a whole bunch of money.

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And usually what I respond back to them is, you're 100 % correct.

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That is exactly how you would make the most amount of money possible, buying at its lowest and letting it come up.

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The only problem with that is, how do you know that it's at its lowest?

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How will you know when it will be at its lowest?

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Nobody on earth knows when that's going to happen or even if that's going to happen.

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I've seen it so, so many times with my clients and my financial circle, even with my colleagues, where they think they can outsmart the market

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because of some economical situation that might happen in the next year or two years.

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And what actually happens is they may be right.

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There might be a drop at that point.

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But what happens up until that point is the stock market steadily increases, 15, 20%.

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Then that thing does happen they were talking about and it drops 10%.

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But had they bought here, Before the run -up, they actually would have got in at a better price,

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or even better, just dollar -cost average throughout the entire thing, whether it's up, whether it's down,

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if it's a good index and it's a good thing that you've been researching.

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Everyone wants to sell before the crash and buy back at the exact bottom, but successfully timing both decisions consistently is incredibly difficult.

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Some of the market's strongest recovery days happen during periods of extreme uncertainty, and missing them can seriously damage long -term returns.

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And that's the other piece of this.

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A lot of people will say, well, I'm going to sell now because it does look like a crash is happening.

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And maybe you can see that.

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Maybe you see the oil prices are very high or we just declared that we're going to war.

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Yeah, the stock market's probably going to drop.

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The problem is how long do we know how far down it's going to go and for how long?

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You start to see a little bit of a recovery and you think, ah, it's probably not a real recovery.

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It's probably going to keep dropping.

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Then it keeps coming back up and then you have to buy in possibly

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when it's higher than what you even sold at.

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So successfully timing it both ways is the whole reason why most people can't do this right.

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That's why I just say dollar cost average for the vast majority of you, and long term just let the market do its thing.

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Number six is where everything comes together.

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Your portfolio should give you peace, not panic.

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If a 10 % market decline or possible market decline down the road is causing you to lose sleep, you're probably too risky as it is.

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Your portfolio is probably too volatile for what it is that you need in this season of life.

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Having an emergency fund, appropriate diversification, and an allocation that matches your time horizon can help you avoid selling investments when you need them most.

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The best investment strategy isn't the one that makes the most money in a perfect market,

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it's the one you can actually stick with when things get ugly.

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Now the stock market, and specifically the S &P 500, or just total US stock market index, has survived recessions, wars, inflation,

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financial crises, and countless predictions of its collapse.

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That doesn't mean that every investment recovers or that the next decade is going to be easy or even successful,

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but if you own diversified investments and you have a long -term investing schedule

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and you continue investing consistently and just stay consistent in all areas, you don't need to be able to predict tomorrow

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or next year to be able to build wealth for the next 20 years

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and even those of you that are in retirement.

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Your investing didn't just stop because you retired.

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You still have a trajectory.

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You still have a period of time.

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It's just that we need to be a bit more safe with at least a portion of it

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so that you can live off of that in the event of a drop.

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Be careful not to let short -term fear dictate your long -term future.

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Take some time today to watch this video where I go over the simple three -fund portfolio

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that I was talking about from earlier in this video

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and exact percentages of those allocations based off of your age

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or life stage or watch this one to keep you going strong and investing.

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Keep investing simplified.

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Từ vựng và ghi chú luyện nói cho bài học này

Những từ được nhắc lại nhiều nhất trong bài: stock, investing, portfolio, investor. Video này có 173 câu và 2421 từ để luyện shadowing. Phần lời nói dài 12:51. Người nói nói nhanh, khoảng 188 từ mỗi phút, nên sẽ có nhiều chỗ nối âm và nuốt âm. 87% số từ nằm trong 3.000 từ tiếng Anh thông dụng nhất, nên từ vựng dễ theo.

Từ vựng quan trọng trong video

15 từ đáng học trong video, kèm phiên âm và nghĩa:

Từ	Phiên âm	Nghĩa
investor danh từ	/ɪnˈvɛs.tə(ɹ)/	người đầu tư
swing động từ	/ˈswɪŋ/	đu, đung đưa
temporary tính từ	/ˈtɛmp(əˌɹ)ɛɹi/	tạm thời, lâm thời
panic danh từ	/ˈpænɪk/	hốt hoảng
generate động từ	/ˈd͡ʒɛn.ə.ɹeɪt/	sinh ra, gây ra
predict động từ	/pɹɪˈdɪkt/	dự báo
consistent tính từ	/kənˈsɪs.tənt/	phù hợp, thích hợp
percentage danh từ	/pə(ɹ)ˈsɛntɪd͡ʒ/	số phần trăm, tỷ lệ phần trăm
chart danh từ	/t͡ʃɑɹt/	biểu đồ, đồ biểu
shock danh từ	/ʃɔk/	choáng, ngạc nhiên
ugly tính từ	/ˈʌɡli/	xấu, xấu xí
disaster danh từ	/dɪˈzɑːs.təː/	tai hoạ, thảm hoạ
incredibly trạng từ	/ɪŋˈkɹɛdɪbli/	khó tin nổi
regret động từ	/ɹɪˈɡɹɛt/	hối tiếc, hối hận
knee danh từ	/ni/	đầu gối, gối

Những câu đáng luyện lại

Các câu ngắn, trọn ý trong video mà bạn có thể dùng lại khi giao tiếp hằng ngày:

You don't have to swing.
Understand what you're investing in.
I actually don't like it now that it's cheaper.
How will you know when it will be at its lowest?
Your investing didn't just stop because you retired.

Ngữ pháp trong video

Những cấu trúc người nói dùng nhiều nhất, kèm đúng cụm từ trong video:

Cấu trúc	Trong video
Thì hiện tại hoàn thành tiếp diễn have/has been + -ing — việc bắt đầu từ trước và vẫn đang tiếp tục	I've been investing · I've been telling · I've been buying
Thì hiện tại hoàn thành have/has + quá khứ phân từ — việc đã xảy ra nhưng còn liên quan đến hiện tại	I've helped · I've worked · I've said
Câu bị động be + quá khứ phân từ — nhấn vào việc xảy ra, không phải người làm	being taken · is broken · been rewarded
Mệnh đề quan hệ who / which + mệnh đề — thêm thông tin về người hoặc vật	ones who have · one, which is

Phát âm cần chú ý

Người nói dùng 65 dạng rút gọn, ví dụ you're, I'm, don't. Hãy nói theo dạng ngắn đúng như bạn nghe.

Âm “th”: thesis /ˈθisɪs/, thrive /θɹajv/, withstand /wɪðˈstænd/
Âm “sh” và “zh”: allocation /ˌæl.əˈkeɪ.ʃən/, shock /ʃɔk/, contribution /ˌkɑntɹɪˈbjuʃən/, emotion /ɪˈməʊ.ʃən/, inflation /ɪnˈfleɪ.ʃən/
Từ dài — đặt trọng âm cho đúng: portfolio /pɔːtˈfəʊ.liˌəʊ/, necessarily /ˌnɛs.əˈsɛɹ.ə.li/, temporary /ˈtɛmp(əˌɹ)ɛɹi/, successfully /səkˈsɛs.fə.li/, consistently /kənˈsɪstəntli/

Những âm người Việt thường gặp khó:

Cụm phụ âm cuối — đọc đủ từng âm, đừng nuốt âm cuối: invest /ɪnˈvɛst/, predict /pɹɪˈdɪkt/, vast /væst/, consistent /kənˈsɪs.tənt/, chart /t͡ʃɑɹt/
Âm /tʃ/, /dʒ/ và /ʒ/ — tiếng Việt không có, đừng đọc thành “ch” hay “gi”: pitch /pɪt͡ʃ/, generate /ˈd͡ʒɛn.ə.ɹeɪt/, percentage /pə(ɹ)ˈsɛntɪd͡ʒ/, chart /t͡ʃɑɹt/, justify /ˈd͡ʒʌstɪfaɪ/
Âm /æ/ — mở miệng rộng hơn âm “e”: panic /ˈpænɪk/, allocation /ˌæl.əˈkeɪ.ʃən/, vast /væst/, feedback /ˈfiːdˌbæk/, graphic /ˈɡɹæfɪk/

Cách luyện với video này

Nghe hết video một lần, chưa cần nói, và ghi lại những từ bạn chưa biết.
Bắt đầu ở tốc độ 0,75×, nói đuổi từng câu, rồi quay lại tốc độ bình thường khi đã quen.
Ghi âm giọng mình rồi so với bản gốc, chú ý các từ như investor, swing, temporary.

Phương Pháp Shadowing Là Gì?

Shadowing là kỹ thuật học ngôn ngữ có cơ sở khoa học, ban đầu được phát triển cho chương trình đào tạo phiên dịch viên chuyên nghiệp và được phổ biến rộng rãi bởi nhà đa ngôn ngữ học Dr. Alexander Arguelles. Nguyên lý cốt lõi đơn giản nhưng cực kỳ hiệu quả: bạn nghe tiếng Anh của người bản xứ và lặp lại to ngay lập tức — như một "cái bóng" (shadow) đuổi theo người nói với độ trễ chỉ 1–2 giây. Khác với luyện ngữ pháp hay học từ vựng bị động, Shadowing buộc não bộ và cơ miệng phải đồng thời xử lý và tái tạo ngôn ngữ thực tế. Các nghiên cứu khoa học xác nhận phương pháp này cải thiện đáng kể phát âm, ngữ điệu, nhịp điệu, nối âm, kỹ năng nghe và độ lưu loát khi nói — đặc biệt hiệu quả cho người luyện IELTS Speaking và muốn giao tiếp tiếng Anh tự nhiên như người bản ngữ.

Phương pháp shadowing: đọc hướng dẫn từng bước đầy đủ →

Luyện nói tiếng Anh bằng Shadowing qua video: Be careful..

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Từ vựng quan trọng trong video

Những câu đáng luyện lại

Ngữ pháp trong video

Phát âm cần chú ý

Cách luyện với video này

Phương Pháp Shadowing Là Gì?