Hello,

More of my philosophy about retirement and more..

I am a white arab from Morocco, and i think i am smart since i have also
invented many scalable algorithms and algorithms..

I think i am smart, and it is easy for me to invest in businesses and
stocks, but what i want you to know more, is how to think
about the money that we must have for good retirement, so as i have
explained below, i think it is not necessary to invest in a Return on
investment (ROI) of 100% or more a year, since it is "attractive" to
invest in a long term in a Return on investment (ROI) of just for
example 10% or 20% a year, so i will give you an example about me, so i
think so that i have good money for a good retirement, and since i am 53
years old, i have to have around 250 thousands dollars or more in my
bank account, and i think i have it in my bank account, and i have to
invest such quantity of my money in a Return on investment (ROI) of just
around 20% or so a year, and i think the better way to do it, is that i
have to invest smartly by diversifying in the index funds, and i think
if you follow my way you will have good money for good retirement, but
you have to know about my other way of doing so that you understand how
i am doing it, so read about it below:

More of my philosophy about diversifying the investment in businesses
and stocks..

The Return on investment (ROI) is not just per year, so i will bring
more precision, read again:

I think you are getting the most important idea by my explanation below,
but you can think of diversifying efficiently your investment in
businesses and stocks to lower the risk and/or think of letting a
professional investor doing the job and not doing the investment
yourself, but i think that the most important idea is in my below
thoughts, and i think that investing in an index fund is much easy and i
think that it doesn't need a professional investor, so read my below
thoughts so that to understand more:

More of my philosophy about investing in businesses and stocks..

You have to understand my way of doing, but i will say
that when you are investing in businesses and stocks you have to avoid
losses and risks such as not investing in startups because they are much
more risky, and i think it is not necessary to invest in a Return on
investment (ROI) of 100% or more a year, but it is "attractive" to
invest in a long term in a Return on investment (ROI) of for example 10%
a year, so you are understanding the idea, but i think that a much
better way is to invest in an index fund(read about it here:
https://www.investopedia.com/terms/i/indexfund.asp), but my way of doing
is that i am following first my smart following saying since i think i
am smart:

"The focus should be on the product, since if the product is good
the profits will follow"

But notice that it is saying that if the product is good then the
profits will follow, so as you are noticing we have to define what
is a good product or service ? and does a good product or service only
comes from science or from engineering or from being smart? not at all
!, since the product and service can become good by the process of
creativity, and then we have to define creativity, and creativity needs
globalization, since creativity and innovation come from ideas
circulating and combining across nations and industries, and i invite
you to read about what is creativity in the following interesting web
page from Yale university:

What Is Creativity?

https://insights.som.yale.edu/insights/what-is-creativity

So i think you have to think the good business, and the good
business needs from us to also be inventive and creative so that
to transcend the constraints and be a really fast exponential growth
using exponential thinking, and it needs from us to know how to talk
efficiently to customers and not to talk like inferior people, so you
have also to know how to do good marketing and good advertising , this
is how i am doing it since i have the good knowledge and the good plan
on how to do all this on my own and even how to do my marketing and
advertising for my inventions of powerful softwares tools and softwares
and scalable algorithms and algorithms and creative products etc. and i
know how to be good exponential thinking and good exponential growth
that is successful and i think i will be really successful.

Thank you,
Amine Moulay Ramdane.