Boxer theory of investing

1. Left Arm

The left arm represents gold and silver, traditional stores of value that act as a jab - not the knockout blow, but the steady, defensive strike that maintains space and absorbs risk. In times of uncertainty, from inflation surges to geopolitical unrest, precious metals historically shine. They are slow-moving but dependable, anchoring the portfolio when confidence in fiat currencies wavers. In today's climate - with rising sovereign debt, central bank mistrust, and renewed inflation fears - the jab of precious metals keeps the investor guarded. They may not offer explosive returns, but they offer resilience and credibility.

2. Right Arm

If gold is the jab, crypto is the hook - fast, powerful, and potentially transformative, but also wild and unpredictable. Crypto-assets represent a new paradigm of decentralized finance, programmable money, and permissionless innovation. However, the whole space is still maturing, and thus subject to regulatory uncertainty, sentiment whiplash, and speculative froth. In the ring of investing, this arm can deliver knockout punches - returns that far exceed traditional benchmarks - but it can also leave one open to counterattacks if overextended. The key is timing and allocation. The right hook is potent only when balanced with the boxer's core.

3. The Body

No boxer can fight without a strong core. The torso represents cash-flow-generating assets - businesses, real estate, dividend stocks, and income-producing instruments. These provide the steady breathing room and capital to support the arms' offense and defense. In today's world, where interest rates are oscillating and economic growth is uneven, owning assets that pay you to wait becomes vital. These assets offer the most tangible value - measured in actual money flowing in, not just mark-to-market valuation. They're the cardiovascular system of the investor, pumping liquidity and endurance.

4. The Feet

A boxer's feet are often overlooked, yet they are the foundation of movement and adaptability. In investing, this translates to mobility - the ability to shift between geographies, asset classes, and strategies in response to evolving circumstances. With the current fragmentation of global markets (e.g., U.S.-China decoupling, regional energy crises, localized inflation), being rooted in one place is increasingly risky. Whether it's reallocating from public markets to private ones, or shifting exposure from developed to emerging markets, mobility lets the investor float like a butterfly, staying light on their feet and ready to pivot.

5. The Head

Finally, no part is as crucial as the head - the seat of situationally aware rationality. This is where strategy lives. Emotional control, macroeconomic understanding, behavioral awareness, and long-term vision all stem from the investor's cognitive discipline. In today's environment - where narratives change daily, attention is fractured, and FOMO (Fear of Missing Out) is rampant - the head must cut through noise. It must resist panic during downturns, greed during rallies, and fear during chaos. Rationality is the helmet that protects against psychological knockouts. Conclusion: Fighting the Right Fight is essential

6. The Referee

"The rules change mid-fight. Be ready."
In the investing ring, the match isn't always fair. Central banks, regulators, governments, and 'unexpected' black swan events can change the terms while you're still fighting. This could look like:
  - Sudden interest rate changes
  - Capital controls or taxation shifts
  - Bans or heavy regulation on crypto or tech
  - Currency devaluations
  - Changing global alliances, sanctions, or war

These are external shocks - things the boxer can't control, but must react to with agility and awareness.
"Train for the rules - but be ready to pivot when the referee calls something unexpected - in other words: don't try to fight the game, fight your fight!"

Connection to the rest of the body:
  - The Head must interpret changes fast
  - The Feet allow quick repositioning
  - The Core (cash flow) buys you time
  - The Arms adapt offense and defense depending on the new context

7. The Nose

"Ever saw a champion with a straight nose?" No one becomes a great investor without taking a few punches to the face. Losses, bad calls, missed trends, panic sells, overconfidence - these are the scars every seasoned fighter bears.
This part of the framework is about accepting pain as part of growth.
  - Your first market cycle will humble you
  - Your best trade might be followed by your worst
  - You'll get bruised by things you didn't even see coming (well, I can tell you about that)

But every broken nose is a lesson. Every black eye is data. Every comeback builds conviction. The greatest investors - like the greatest boxers - win because they learn, adapt, and stay standing. "The scarred are often the most skilled."
How it ties in:
  - The Head remembers lessons
  - The Body survives setbacks
  - The Arms and Feet become sharper with experience
  - The Referee will keep throwing surprises - but you're no rookie anymore

8. The Heart

"A champion doesn't wait for the fight to come to them - they step into the ring."
The heart represents the courage required to face the inherent risks and challenges of investing. Just as a boxer must summon the bravery to enter the ring, the investor must have the resolve to take on opportunities and challenges, even when the outcome is uncertain.

* Fear of Loss: Every investor faces the fear of losing money, especially during market downturns or risky ventures.
The courage to step forward and put capital at risk is necessary for growth, and often, it's the boldest decisions that yield the most significant rewards.
* Facing Uncertainty: The markets are unpredictable, and there's no guarantee of success.
The courage to step up - to invest in new technologies, emerging markets, or unconventional assets - is essential for those who seek to push the boundaries of their financial journey.
* Taking Action: Too many investors sit on the sidelines, paralyzed by indecision or fear of making a mistake.
Courage in investing is not about avoiding risks altogether, but about taking calculated risks and learning from each experience.

9. The Trainer

"No champion ever achieves greatness alone."
The trainer is a critical figure in every boxer's success, offering expertise, advice, and a steady hand when things get tough. Similarly, in investing, an experienced mentor or advisor plays a pivotal role in guiding an investor through the highs and lows of their financial journey.

* Strategic Insight: Just as a trainer helps refine technique and develop a game plan, a mentor provides strategic direction, helping you understand the market's rhythm, manage risks, and make informed decisions.
* Avoiding Common Pitfalls: New investors often fall prey to emotional decision-making or chasing trends. A seasoned mentor helps you avoid these mistakes by encouraging patience and rationality in the face of market noise.
* Accountability and Growth: Like a trainer in the gym, a mentor keeps you accountable for your progress. They challenge you to grow, push beyond your comfort zone, and consistently sharpen your skills.
* Emotional Support: The mental aspect of investing is just as important as the financial side. A good trainer (or mentor) helps you keep your cool during tough times, offering perspective and encouragement when you're facing setbacks or uncertain markets.

In Short

The Boxer Theory of Investing does not advocate a single strategy, but a balanced form, where each part plays its role in harmony. The left arm jabs to defend with gold and silver. The right arm swings for alpha with crypto. The body supports the fight with steady income. The feet allow graceful maneuvering. The head ensures discipline, logic, and clarity. In an uncertain world, the investor must not be a speculator, nor a hoarder, nor a gambler - but a fighter. Trained, focused, and ready to go the distance.

These are all elements that describe the investor's personal elements. It is however, essential to realise two more things: 1. That no one is isolated from the ever changing reality and 2. There are people who did it all before, find them and ask them (they're happy to share)

Putting it to use

Now that we have our theory - putting it to use is a whole different thing. This is literally a different thing for each of us - we all have different values, approaches, circumstances and goals... Yeah, funny if you think about it - billions of people on the planet all being unique in some way. So - along my way i reached out to people whenever i thought they could give me some insight on how they did their thing. Some replied, some didn't
After a few years you build a certain bond with people who match your values..
My four main guys : Eric, Ronald, Thomas, and Peter. These are outspoken guys that tell it to you straight - "sine decoriis"

Putting it to use

Strategy is someting that is broadly usable in a structural manner - it comes from a deep thought process or vision if you will. Tactics however describe how strategy is to be applied in specific cases - the boxer meets different opponents in different circumstances that create different fights. While still within the overall long term vision, the short term goals might differ substantially from case to case. It's simply impossible to give a universal approach that's suitible for everyone in every stage of progress - so what follows are transcriptions of some actual cases where i would ask my four outspoken guys to give their opinion on how they would use the boxer strategy in that specific case.
The objective here is not to give specific advice on asset allocation but to show how the boxer theory can be used in very different ways.
I invited them - and this is how it turned out...
Me: Welcome, gentlemen, we're here to explore how each of you would implement the "Boxer Theory of Investing" in today's financial landscape. For clarity, it's februari 2025. Let's kick things off with Thomas.

Thomas, how would you interpret the Boxer Theory? - Thomas: Well, the boxer is really a fighter who's in the ring of financial freedom every day.
For me, the "Boxer Theory" is about cash flow and using leverage to fight the battle. A boxer needs to train, but they also need to be able to punch-sometimes with the right tool at the right time. For me, that's real estate. In my "Thomas Boxer Portfolio," I'd have:

• Core: 40% in cash-flowing assets, like rental real estate that provides monthly income. Leverage is key here. I don't use my own money; I use other people's money. That's like using the jab-steady, predictable cash flow.
• Defense: 25% in gold and silver, because they're real, tangible assets that hold value when the fiat system collapses.
• Offense: 25% in private businesses or strategic debt that can scale quickly, allowing you to throw those power punches.
• Agility: 10% in cash or credit lines for flexibility-ready to capitalize on opportunities as they arise.

• Core: 40% in Bitcoin-self-custodied, of course. It's sound money, and I'd use it as the base layer for long-term wealth preservation.
• Defense: 20% in precious metals like gold and silver, alongside stablecoins like USDC and DAI, for stability in the short term.
• Offense: 25% in equity stakes in crypto startups and DeFi platforms. These are asymmetric bets, just like a boxer would throw that right hook to knock out the opponent.
• Agility: 15% in DeFi yield platforms. This gives me flexibility to earn passive income while I stay agile and avoid traditional banking.

• Core: 30% in global macro exposure-bonds, USD, and equities. This provides defense against recessionary or inflationary pivots.
• Defense: 15% in gold, commodities, and cash for those uncertain, crisis moments-when you need to survive before you can thrive.
• Offense: 40% in crypto, primarily Ethereum, as the platform for the digital value revolution. This is my "knockout punch," because Ethereum's growth potential is exponential, especially with the rise of decentralized finance and NFTs.
• Agility: 15% in tech/AI exposure, venture capital, or options-this provides flexibility to pivot with market changes and capitalize on tech booms.

• Core: 40% in gold, silver, and physical assets. Gold isn't just a hedge; it's the foundation of any strategy to protect wealth during crises.
• Defense: 25% in commodities (like energy and farmland) and emerging markets, especially in Asia, where I believe growth opportunities will exist despite the downturns in the West.
• Offense: 20% in selective risk - I'd be looking for undervalued emerging market stocks and frontier markets. There's still opportunity in places where others are too scared to go.
• Agility: 15% in cash, crypto, and multiple currencies. I want flexibility, especially in an environment where the dollar might lose its dominance.

Putting it to use #1

How would each of you advise them to start implementing the Boxer Theory? Let's go down the line. Thomas, why don't you start?

Thomas: First off, I would say don't wait - start with education. The first step is to learn about cash flow. The key is to create passive income. As someone in a middle management job, you're already making a decent income. My advice: start by focusing on real estate because it's one of the best ways to generate passive income while leveraging other people's money. You don't have to go big right away - start small, maybe with a single-family rental property or a small commercial property. You need to think in terms of cash-flowing assets. The next step is getting your financial education in order - read books and publicatoins and then start following people who know how to create wealth with leverage. Then, as you grow, you can begin to scale up. So, my advice: start now, educate yourself, and leverage others' money to build assets that generate passive income.

Eric: I completely agree with Thomas about education, but I also want to stress financial independence - especially now that we have the tools to build wealth outside of traditional systems. I'd recommend you start with Bitcoin or another cryptocurrency - ideally self-custodied - because it's the most accessible way to store value and protect yourself from inflation. I'd also recommend checking out DeFi (Decentralized Finance) platforms, where you can earn yield on your crypto assets. The beauty of decentralized finance is that it's global, permissionless, and open to anyone - which means you can participate regardless of your traditional financial background. For someone with limited investing experience, start small. Invest in Bitcoin - just enough to learn about it - and begin experimenting with yield farming or staking in DeFi protocols. Once you're comfortable, you can scale up your investments. Start with Bitcoin for long-term security and DeFi for making your capital work for you in the meantime.

Ronald: I would take a slightly different approach, given your age and stage in life. I'd start by understanding the big picture - global macro trends. First, figure out what's happening in the world. Monetary policy, inflation, demographics, and the shift to digital assets are things you need to understand. Once you've got that under control, you should be looking into asset allocation. Given your age and situation, you're in a great spot to take a long-term view. Start with traditional investments - maybe an index fund or broad equity exposure - but don't forget to allocate a portion (10-20%) to crypto. Ethereum is the smart contract platform that is likely to see exponential growth. You should also start looking at global real estate, particularly in places where the economy is growing or that will benefit from these macro shifts. For someone in a middle management job, don't take on too much risk at first. Focus on growth, but be diversified to protect yourself. Once you're comfortable, you can start making more specialized, aggressive moves with DeFi, Bitcoin, or even venture investing.

Peter: You guys have good points, but I'm going to approach it more conservatively. I would advise you to take a defensive approach first. At 35, you've still got time, but the focus should be on preservation and survival in an increasingly unstable system. Start by accumulating physical assets like gold and silver, as well as real estate in stable regions. I would advise you to consider farmland or natural resources, even if it's just a small portion of your portfolio. This is your defense - you need a safe haven in case of a financial crisis or major global instability. After that, consider diversifying into emerging market stocks or selective risk. You can also keep a portion in cash for flexibility. The key is to protect yourself first, then build wealth slowly over time. Don't take on too much risk early on, and avoid speculative bets until you have a strong foundation. You want to have that solid defensive strategy in place before you think about going on offense.

Me: Thanks for the responses, everyone. It sounds like there's a clear consensus on education being the first step, but each of you has a slightly different approach depending on how you view the market and the future.
To wrap things up, what would you say is the most important thing for this person to avoid as they begin this journey?

Thomas: Procrastination. The number one mistake is waiting for the "perfect time." The best time to start investing was yesterday - the second best time is today. Learn, start small, and keep growing.

Eric: Don't fall into the trap of relying on traditional financial advice. The traditional system is designed to keep you dependent on banks and institutions. Break free from that mindset.

Ronald: Avoid the fear of missing out (FOMO) on the next big thing. There's always hype in the markets, but you need to stick to your long-term plan. Be patient and think about where the world is heading, not just what's trending in the moment.

Peter: Avoid over-leveraging yourself or putting all your money into speculative assets. The world is fragile, and you need to be able to weather storms. Don't take on too much risk without the right defensive foundations in place.

Me: Some solid advice all around. It's clear that each of you brings a unique perspective, but there's a consistent theme: education, patience, and a well-thought-out plan.

Putting it to use #2

They're asking for advice on how to implement the Boxer Theory given their current situation. Let's go down the line. Thomas, could you start?

Thomas: Absolutely. First off, you've worked hard and you've likely got a steady income. But one thing I'll tell you is that pensions aren't a guarantee - they depend on the stability of the system. If you're in your late 50s, now is the time to take control of your financial future. Educate yourself on the difference between assets and liabilities - pensions are not assets. They're just promises, and you can't rely on them forever. I would recommend real estate for cash flow. If you haven't yet, look into renting out properties or starting small with multi-family units. These can create a reliable income stream that will supplement your pension and provide financial freedom, especially in retirement. But here's the thing: start small and scale as you learn. You don't need to jump in with both feet at once. If you don't have a lot of savings, maybe house hacking (renting part of your own property) is a good way to get started. Second, gold is also something I'd advise - especially in your case as a hedge against inflation. Diversify outside of the traditional system.

Eric: I agree with Thomas, but I also think it's important to protect yourself from systemic risks. Given the pension situation, the future could be uncertain. One strategy that could really work well for you is self-sovereign wealth, meaning you take control of your own wealth outside of the traditional banking system. Start small with Bitcoin - it's an easy way to store value outside of the fiat system. You don't have to go all in, but owning even a little bit of Bitcoin can provide some long-term wealth protection. In addition, you should consider DeFi (Decentralized Finance) for earning some passive income. There are platforms that allow you to stake or lend your crypto for yield. But be cautious and start with small amounts that you're comfortable with. Your pension is likely stable for now, but adding a bit of crypto as a long-term store of value is a good move.

Ronald: At your stage, capital preservation should be a priority. I wouldn't advise you to take too much risk, especially given your pension. But you should still think about upgrading your portfolio and getting exposure to assets that will hedge against inflation and systemic risks. I'd recommend a mix of bonds for safety, along with some gold as protection, especially if inflation continues to rise. I'd also recommend keeping a small exposure to crypto - maybe Bitcoin or Ethereum - as a way to hedge against any future economic crises. These digital assets can act as a store of value, and over time, they can grow significantly. The Boxer Theory is about diversification. Don't put all your eggs in the pension basket, but don't get too aggressive either. Stay balanced, and consider using the flexibility of alternative assets to boost your returns without too much risk.

Peter: At your age, my advice would be a bit more cautious. You need to survive the fight first before thinking about big returns. Focus on hard assets - things you can touch and hold, like gold, silver, and farmland. These are inflation-proof and can protect you if the financial system collapses. In my view, pensions may not be as reliable as they seem, and it's important to have something physical in your portfolio. I also recommend emerging markets, but in a very selective way. There are parts of the world where the economies are growing and they may offer good opportunities at a low cost. However, you don't want to take too much risk in this area, especially with your age and current situation. And remember, never over-leverage. It's important to have liquidity - cash on hand - because the future could be unpredictable. You should look at diversifying into physical assets while keeping a portion in cash for flexibility.

Me: Thanks for the responses, gentlemen. It's clear that there's a focus on preservation of wealth, with the need for a solid defensive strategy and careful diversification. To wrap things up, what would you say is the most important thing this person should avoid as they begin implementing the Boxer Theory?

Thomas: Avoid waiting for the "perfect moment." Start today, even if it's small. Even a little bit of real estate or a small crypto position can help you learn and grow your wealth. Don't get stuck in the infamous "analysis paralysis".

Eric: I would say, don't follow the traditional financial system blindly. The pension might seem secure, but that's an outdated mindset. Start diversifying into self-sovereign wealth and keep your financial independence intact. Don't ignore crypto and DeFi.

Ronald: I would advise you not to get too caught up in short-term returns. At your age, your focus should be on preserving and growing wealth slowly while remaining flexible. Longer-term thinking is key, whatever your age.

Peter: Avoid getting too speculative. It's easy to get excited about big returns, but you need a strong foundation in hard assets and safety. Make sure you protect yourself from risk before thinking about growth. Please remember that an average yearly growth of 20 percent in stock markets during recent decades is not normal, this will change.

Me: Wise words from all four of you. It's about finding the right balance between preservation, growth, and learning, while also being realistic about systemic risks, this fits perfectly with the boxer theory.

Putting it to use #3

They're asking for advice on how to approach this situation using the Boxer Theory. This is definitely a tough scenario, but let's see how you guys would suggest they tackle this. Thomas, would you like to start again?

Thomas: First and foremost, you need to stabilize the situation. As a boxer, think of this like being in the corner after a tough round - you need to regroup and regain your footing. Debt management should be your top priority right now. You need to focus on reducing or eliminating high-interest credit card debt and car loans. If you have multiple debts, look into consolidating them or speaking with a financial advisor about a structured repayment plan. But don't just focus on the immediate issue of debt. This is the time to build your education. You need to learn how money works, how to build passive income, and how to create assets for yourself. Start by learning about cash flow, because cash-flowing assets are the key to your future success. Real estate, even small properties, and businesses can eventually give you the freedom you want. While you're paying down debt, consider finding a way to increase your income, even if it's small at first. Look into side hustles, freelancing, or online businesses. Every money you make can be put toward debt reduction or building an asset.

Eric: I agree with Thomas. Debt reduction is crucial, but there's also an opportunity here to rethink your relationship with money. It's time to stop seeing the system as the solution and start looking outside it. DeFi, Bitcoin, and other decentralized assets can help you move away from traditional financial systems and their ever-growing debt traps. But first, let's go back to the basics. Stabilize. Make sure you have enough money to live on for a few months. Stop the bleeding by paying down high-interest debts - especially credit cards. Consider selling assets that are draining you (like unnecessary subscriptions or items that are not assets) to reduce financial strain. Then, once you're in a better place, start thinking about building wealth with decentralized assets. Bitcoin can be a store of value, and DeFi platforms allow you to earn passive income while you work on rebuilding. The key to getting out of this mess is self-sovereignty. You need to control your money and stop relying on banks or traditional financial systems. Build an emergency fund, but make sure it's in something you control - like cash or Bitcoin.

Ronald: You've got to take action now, but I think the focus here is less on growth in the short term and more on survival. Just like a boxer facing a tough opponent, this is about staying in the game. Debt management is step one, and you need to be laser - focused on cutting unnecessary expenses and stabilizing your income. I'd also suggest looking into side gigs or temporary work to generate cash. Get creative. If you have a skill, use it. Don't worry about whether it's glamorous - just earn the money you need to pay down debt and build an emergency fund. In terms of investing, this isn't the time to go all-in on risky assets. Focus on your basics. Build up your savings with cash or stable assets while avoiding the temptation to chase high-risk investments. You need liquidity, so prioritize cash and bonds. Once you're back on your feet and the debt is under control, you can start considering growth and exponential assets.

Peter: In situations like this, you must survive the fight first, and survival means cutting risk and securing your basic needs. As a boxer, you need to protect yourself - reduce your exposure to high-interest debts, and do whatever it takes to stop any more bleeding. But also, this could be a wake-up call. Just like in the ring, you need to adjust your tactics. I would focus on getting your debt under control and looking for alternative income streams. It might mean looking into more traditional blue-collar work in the short term, but once you're stable, you can begin working on long-term wealth-building strategies. Gold is important - physical gold can act as a store of value, especially when traditional financial systems are shaky. I would also suggest being very selective with your investments going forward. Do not take unnecessary risks. Own hard assets - anything that has intrinsic value - and diversify into things that can provide real value if the system continues to break down. Real estate, farmland, even precious metals - these can help you weather storms like the one you're in right now.

Me: Well, it's clear that, in this case, survival is the first priority. It's about stabilizing your situation, cutting expenses, and regaining control over your financial future. Let's end with a few final words from each of you on the most important thing to focus on for this person right now.

Thomas: Get your financial education and get control of your debts. Don't rely on the system - start creating cash-flowing assets that will give you freedom.

Eric: Take control of your money and start thinking about building self-sovereignty. Pay off debt, but also think long term - Bitcoin and DeFi can provide the foundation for wealth-building outside the traditional financial system.

Ronald: Survival first. Cut expenses, pay off debts, and build your savings. Once the fire is under control, focus on long-term wealth creation. Don't chase short-term gains.

Peter: Protect yourself and secure your basic needs. Don't gamble on high-risk investments right now. Focus on hard assets and preserving your wealth.

Me: Thanks for your insights. It's a tough spot, but it's clear that taking action, cutting back, and stabilizing is the first step, with a long-term view of wealth preservation and education. To someone in this situation, hang in there and start small - there are steps you can take today to turn things around.

True story: How this guy overcame his setback and made a change for life:
All his income went to repaying debt and expenses, there was nothing left.. nothing!
So.. he asked me: "now what can i do to play your boxing-game?"...
You have to have capital first to start investing in any way or form, and with lending him money out of the question, this is what i gave him to think about:
First make a solid plan about starting your core-investments - low risk is essential here!
After that, contact all your creditors and ask them for a one month suspension. Now don't expect all of them to cooperate - the goal here is to free-up just enough capital to start. With that capital, start your investing.
So at first he thought this was ridicilous idea and it would never work. Then i asked him "do you have an alternative?".. "No", "getting a regular job in the next few weeks?".. "Not likely".. "Are you a deal-finder so you can use other peoples money?".. "No"..
Well in short, this guy dit it - he approached his creditors and most of them declined to cooperate but a few of them also remembered tougher times and gave him a suspension. With this money he started investing in a short time bonds ETF paying dividend, got lucky (the ETF rose significantly in price within months), got some of that profit and bought BitCoin with it.
While enduring the occasional setback, during the years that followed he made significant progress in building a portfolio that gives him a small passive income and is well on his way paying off his debts. Also - his experience of reaching out to his creditors gave him the confidence to look a bit further out for a job. He found a part-time job in a different industry that almost pays him as much as his previous full-time job.

Now how's that for inspiration ?   Don't say there are no options!

The story

"Imagine left arm as gold/silver, right arm as crypto, body as cash flow generating base, feet as mobility and the head as situational aware rationality. the 'boxer theory of investing' in present day uncertainty..."

Lately people approach me and ask me about wealthbuilding and investing. My simple story is always the same because I can only add by telling how I think and act (basically the same through the years). So I tell them about things I did wrong and where I had some success finally... Somehow people get something out of it that helps them, which makes it all worthwile. To reach more people I was advised to put the whole stuff in writing (yeah, right...). Well, I long had my doubts about how my 2 cents of nothingness would resonate, really... I've read all kinds of books and publications on investing and building wealth and stuff, among many the well known 'intelligent investor' by Ben Graham, however I was always looking (and still am, in a sense) for something called 'the integrated investor' that I could connect to and reflect on from my point of view (and origin, I guess).

So... why not! Here's my essay that uses the metaphor - the "Boxer Theory of Investing" - and an attempt to build it into a compelling framework for navigating present-day uncertainty in the markets. This is a theory i developed based on my experiences and observations.

The Boxer Theory of Investing: A Framework for Navigating Uncertainty

In a world fraught with economic volatility, geopolitical tremors, and rapid technological disruption, investors must adopt an approach that is agile, resilient, and balanced. Enter the Boxer Theory of Investing - a conceptual framework that envisions the investor as a boxer in the ring of global markets, leveraging a body made of complementary financial components: precious metals, crypto, cash-flow-generating assets, mobility, and rationality. Each "body part" plays a distinct role, yet the harmony among them determines the investor's ability to withstand blows, adapt, and land punches of their own.

1. Left Arm - Gold and Silver: The Defensive Jab The left arm represents gold and silver, traditional stores of value that act as a jab - not the knockout blow, but the steady, defensive strike that maintains space and absorbs risk. In times of uncertainty, from inflation surges to geopolitical unrest, precious metals historically shine. They are slow-moving but dependable, anchoring the portfolio when confidence in fiat currencies wavers. In today's climate - with rising sovereign debt, central bank mistrust, and renewed inflation fears - the jab of precious metals keeps the investor guarded. They may not offer explosive returns, but they offer resilience and credibility.

2. Right Arm - Crypto: The Volatile Hook If gold is the jab, crypto is the hook - fast, powerful, and potentially transformative, but also wild and unpredictable. Crypto-assets represent a new paradigm of decentralized finance, programmable money, and permissionless innovation. However, the whole space is still maturing, and thus subject to regulatory uncertainty, sentiment whiplash, and speculative froth. In the ring of investing, this arm can deliver knockout punches - returns that far exceed traditional benchmarks - but it can also leave one open to counterattacks if overextended. The key is timing and allocation. The right hook is potent only when balanced with the boxer's core.

3. The Body - Cash Flow-Generating Base: Stability and Stamina No boxer can fight without a strong core. The torso represents cash-flow-generating assets - businesses, real estate, dividend stocks, and income-producing instruments. These provide the steady breathing room and capital to support the arms' offense and defense. In today's world, where interest rates are oscillating and economic growth is uneven, owning assets that pay you to wait becomes vital. These assets offer the most tangible value - measured in actual money flowing in, not just mark-to-market valuation. They're the cardiovascular system of the investor, pumping liquidity and endurance.

4. The Feet - Mobility: Geographic and Asset Flexibility A boxer's feet are often overlooked, yet they are the foundation of movement and adaptability. In investing, this translates to mobility - the ability to shift between geographies, asset classes, and strategies in response to evolving circumstances. With the current fragmentation of global markets (e.g., U.S.-China decoupling, regional energy crises, localized inflation), being rooted in one place is increasingly risky. Whether it's reallocating from public markets to private ones, or shifting exposure from developed to emerging markets, mobility lets the investor float like a butterfly, staying light on their feet and ready to pivot.

5. The Head - Rational Awareness: The Investor's Mind Finally, no part is as crucial as the head - the seat of situationally aware rationality. This is where strategy lives. Emotional control, macroeconomic understanding, behavioral awareness, and long-term vision all stem from the investor's cognitive discipline. In today's environment - where narratives change daily, attention is fractured, and FOMO (Fear of Missing Out) is rampant - the head must cut through noise. It must resist panic during downturns, greed during rallies, and fear during chaos. Rationality is the helmet that protects against psychological knockouts. Conclusion: Fighting the Right Fight

The Boxer Theory of Investing does not advocate a single strategy, but a balanced form, where each part plays its role in harmony. The left arm jabs to defend with gold and silver. The right arm swings for alpha with crypto. The body supports the fight with steady income. The feet allow graceful maneuvering. The head ensures discipline, logic, and clarity. In an uncertain world, the investor must not be a speculator, nor a hoarder, nor a gambler - but a fighter. Trained, focused, and ready to go the distance.

* Slide deck based on the Boxer Theory of Investing - clear, visual, and punchy (pun intended). Title: The Boxer Theory of Investing A Framework for Resilient Wealth Building in an Uncertain World

Slide 1: Title Slide The Boxer Theory of Investing Fight Smart. Stay Agile. Build Durable Wealth. (My visualization: a stylized boxer silhouette made up of asset icons)

Slide 2: Concept Overview Why Think Like a Boxer? The investing world is a ring: volatile, fast-moving, and punishing. Success requires balance, adaptability, and timing. This framework maps asset classes and strategies onto the body of a boxer. Metaphor = Method

Slide 3: Left Arm - Gold & Silver (The Jab) Defensive, steady, historically resilient Protects during inflation, crises, currency devaluation Not about growth - it's about preservation "Your jab keeps you safe when the storm hits." (My visualization: Arm made of gold and silver textures, lightly glowing)

Slide 4: Right Arm - Crypto (The Hook) High risk, high reward Can deliver exponential returns Volatile, still maturing, requires precision "The knockout punch - but don't overcommit." (My visualization: Futuristic/techy arm, digital lines, maybe holding a glowing Bitcoin)

Slide 5: Body - Cash-Flow Generators (The Core) Real estate, dividend stocks, businesses Provides endurance and liquidity Lets you survive and reinvest "A strong core keeps you standing through the rounds." (My visualization: Chest with icons of buildings, factories, income charts)

Slide 6: Feet - Mobility (Adaptability) Ability to move across geographies and sectors React to new information without being frozen Reduces concentration risk "You can't win the fight if you're stuck in one corner." (My visualization: Footwork motion lines, world map shadows underneath)

Slide 7: Head - Rationality (The Mind) Macro awareness, risk management, patience Emotional discipline, decision-making Filters signal from noise "Stay calm. Stay sharp. Know when to strike." (My visualization: Transparent head with graphs, macro trends, and thinking icons)

Slide 8: Full Boxer Diagram The Integrated Investor Image of the boxer with each body part labeled Show flow between parts: Cash flow feeds mobility, rationality governs balance, etc. Every part has a purpose. Together, they fight as one.

Slide 9: Application in 2025 - How to Use This Now
Left Arm: Increase gold/silver hedge (central bank policies are shaky)
Right Arm: Limit crypto exposure to max x - y%, watch regulation
Core: Focus on cash-generating businesses in energy, AI, essential services
Feet: Explore markets in LatAm, SEA; diversify real estate
Head: Stay macro-aware - don't get hypnotized by news cycles

Slide 10: Final Thought "You don't have to win every round - just stay in the fight." Invest with balance. Think like a fighter. Build a portfolio that can take a punch and land one.

My visual Concept
A stylized / humanoid boxer outline (maybe metallic, AI-themed,
Each limb is rendered in the material it represents: gold, digital light, brick-and-mortar core, global feet, and a glowing mind Animate parts for a presentation - pulse effect on the heart (cash flow), spark in the brain (head). (yeah i know, maybe a bit too much...)

This is it basically, describing my approach from a world I know to protect what I've worked hard for and even build some wealth on that basis.

But to be fair it was still missing something that describes my fundamental distrust about the system that determines the ever changing playing field for little (ignorant) guys like me.

So I added an element, in my opinion super relevant for today's world where the "rules of the game" are constantly shifting.
Let's call it "The Referee - Ever-Changing Rules".
Here's how i've put it into the framework:
point 6: The Referee - Ever-Changing Rules "The rules change mid-fight. Be ready." In the investing ring, the match isn't always fair. Central banks, regulators, governments, and 'unexpected' black swan events can change the terms while you're still fighting. This could look like: Sudden interest rate changes Capital controls or taxation shifts Bans or heavy regulation on crypto or tech Currency devaluations Changing global alliances, sanctions, or war These are external shocks - things the boxer can't control, but must react to with agility and awareness. "Train for the rules - but be ready to pivot when the referee calls something unexpected."

Connection to the rest of the body:
The Head must interpret changes fast
The Feet allow quick repositioning
The Core (cash flow) buys you time
The Arms adapt offense and defense depending on the new context
(My visualization: A shadowy or glitching referee figure, maybe holding a rulebook with pages flying off, representing chaos. Optional: a whistle mid-blow.)

And here's how this fits into the full metaphor. Now i got:
Left Arm - Gold/Silver
Right Arm - Crypto
Body - Cash Flow
Feet - Mobility
Head - Rational Awareness
Referee - The Rules That Keep Changing

Updated Conclusion (Slide 11):
The Fight Isn't Fair - But You Can Be Ready
Markets are messy
Rules shift
Narratives change
But the investor-boxer adapts - not by guessing, but by training every part of the portfolio to respond in rhythm.
"Discipline + Flexibility = Survival + Victory."

So this would be it, right? Wrong! How could i communicate in conclusions but not telling how my experiences convinced me of my theory (would be kind a hollow)...

So I added a point 7 : The Nose - The Journey of the Boxer Investor
"Ever seen a champion with a straight nose?"
No one becomes a great investor without taking a few punches to the face. Losses, bad calls, missed trends, panic sells, overconfidence - these are the scars every seasoned fighter bears.
This part of the framework is about accepting pain as part of growth.
Your first market cycle will humble you
Your best trade might be followed by your worst
You'll get bruised by things you didn't even see coming (well, I can tell you about that)
But every broken nose is a lesson. Every black eye is data. Every comeback builds conviction. The greatest investors - like the greatest boxers - win because they learn, adapt, and stay standing. "The scarred are often the most skilled."

How it ties in:
The Head remembers lessons
The Body survives setbacks
The Arms and Feet become sharper with experience
The Referee will keep throwing surprises - but you're no rookie anymore
(My visualization: Close-up of a boxer's face - sweaty, bruised, but focused with a subtle metaphor showing a chart line scar etched into their cheek.)

Final Slide (Now Slide 12):
The Boxer Theory of Investing
7 Elements of the Resilient Portfolio:
Left Arm - Gold/Silver
Right Arm - Crypto
Body - Cash-Flow Core
Feet - Mobility
Head - Rational Awareness
Referee - Changing Rules
Nose - Battle-Hardened Experience
"You won't come out clean - but you will come out better."

* Introducing the whole theory *

The Boxer Theory of Investing: Navigating Uncertainty with Resilience and Strategy

In an era marked by financial volatility, geopolitical unrest, and rapid technological change, the ability to adapt and thrive in the world of investing is more crucial than ever. The Boxer Theory of Investing provides a comprehensive framework for navigating this uncertainty, positioning the investor as a boxer in the ring of global markets. Just as a boxer trains every muscle to withstand punches, deliver blows, and stay agile, investors must cultivate a diversified and resilient portfolio - one that can absorb the knocks of the market while positioning for long-term success.

The Boxer Theory is grounded in the idea that an investor, much like a fighter, must balance defense, offense, adaptability, and strategy. Each part of the investor's "body" serves a unique function, working in harmony to create a comprehensive and well-rounded approach to wealth building.


The Left Arm - Gold and Silver (The Jab)
Gold and silver serve as the steady, defensive jab in an investor's strategy. These assets are traditional stores of value, offering protection during times of inflation, geopolitical tension, and financial uncertainty. While they may not provide explosive returns, they ensure the investor's portfolio remains anchored, providing the stability needed when the market faces turbulence.

The Right Arm - Crypto (The Hook)
The right arm represents the high-risk, high-reward nature of cryptocurrencies. These digital assets, while volatile, have the potential to deliver outsized returns. However, they also carry significant risk, particularly due to regulatory uncertainty and market sentiment. The key is to balance exposure, using crypto as a way to seek innovation and growth, without overcommitting.

The Body - Cash Flow-Generating Assets
The core of any boxer's strength lies in their body, and similarly, an investor's portfolio is most effective when it is built on cash-flow-generating assets. These include real estate, dividend stocks, and businesses that produce steady income. These assets provide the investor with a foundation of liquidity and stability, ensuring that they can weather short-term volatility and continue to reinvest in the future.

The Feet - Mobility
A boxer's ability to move swiftly around the ring is essential, and in investing, mobility represents the flexibility to pivot between markets, sectors, and geographies in response to new information. In today's world, being anchored to a single asset class or region is a significant risk. Mobility allows investors to capitalize on new opportunities and avoid stagnation.

The Head - Rational Awareness
A boxer's head is where their strategy is formulated, and similarly, an investor's success hinges on rational awareness. This means keeping emotions in check, making data-driven decisions, and maintaining a long-term vision amidst short-term market noise. Rationality guides the investor's decisions, ensuring they are made with clarity, patience, and precision.

The Referee - Ever-Changing Rules
Markets are constantly evolving, and external factors like regulatory changes, geopolitical events, or unexpected crises can alter the rules of the game mid-fight. The referee represents these shifts - something investors must be keenly aware of. To survive and thrive, investors must remain adaptable, responding swiftly and strategically when the rules change.

The Nose - The Journey of the Boxer Investor
Finally, the nose represents the journey of every investor: the inevitable setbacks and bruises. Just as no boxer becomes a champion without enduring pain, no investor achieves success without experiencing losses, mistakes, or market downturns. These challenges, however, are not failures but lessons that refine and strengthen the investor. Each scar is a reminder of growth and resilience.

In conclusion, the Boxer Theory of Investing highlights the importance of balance, flexibility, and emotional discipline in the face of uncertainty. Like a seasoned boxer, an investor must learn to take punches, stay agile, and above all, keep fighting. With the right strategy - one that combines defense, offense, adaptability, and rationality - anyone can succeed in the ever-changing world of investing.

Surely this concludes my view on all that stuff, right? ... Wrong again (well that's becoming familiar...)
Of course by thinking we all got that same overconfident ignorance, I forgot about describing the courage needed to step up to a challenge

I called it: Point 8: The Heart - Courage to Step Up to the Challenge
"A champion doesn't wait for the fight to come to them - they step into the ring."
The heart represents the courage required to face the inherent risks and challenges of investing. Just as a boxer must summon the bravery to enter the ring, the investor must have the resolve to take on opportunities and challenges, even when the outcome is uncertain. * Fear of Loss: Every investor faces the fear of losing money, especially during market downturns or risky ventures. The courage to step forward and put capital at risk is necessary for growth, and often, it's the boldest decisions that yield the most significant rewards. * Facing Uncertainty: The markets are unpredictable, and there's no guarantee of success. The courage to step up - to invest in new technologies, emerging markets, or unconventional assets - is essential for those who seek to push the boundaries of their financial journey. * Taking Action: Too many investors sit on the sidelines, paralyzed by indecision or fear of making a mistake. Courage in investing is not about avoiding risks altogether, but about taking calculated risks and learning from each experience.
"Without courage, there is no growth. Without risk, there are no rewards."

How it ties in:
The Head helps you weigh risks rationally, but it's the heart that pushes you to act.
The Arms and Feet take the action - turning strategy into reality.
The Nose remembers that fear and failure are part of the journey.
(My visualization: A close-up of a boxer's chest with a glowing heart symbol or a fist gripping the ropes, symbolizing the courage to face the challenge.)
Updated Conclusion (Slide 9):
The Boxer Theory of Investing
8 Elements of the Resilient Portfolio:
Left Arm - Gold/Silver
Right Arm - Crypto
Body - Cash-Flow Core
Feet - Mobility
Head - Rational Awareness
Referee - Changing Rules
Nose - Battle-Hardened Experience
Heart - Courage to Face the Challenge
"Courage isn't the absence of fear; it's the ability to move forward despite it."

(David looked at this guy called goliath unshaken and said: "this guy is so big, how can I even miss him")

Finally I put this thing together now and it would help me to help others, now that it's done. Or, is it?
Wrong again, well it would be if I was a smart guy to begin with and figured this out all on my own, and then this would be the whole story. But... truth be told I wasn't that smart guy to begin with (at all). I was the kind a kid who, only after getting punched enough times the same way finally it dawned on me that maybe I should do things a bit differently next time? Sure, so I tried: just to endure the whole thing again, just a bit different (and angrier).. That didn't change until I finally listened to people who shared their knowledge and experience (and were doing it all along, really)...

So, the theory needed an additional but very crucial part:
Point 9: The Trainer - The Importance of Guidance and Mentorship
"No champion achieves greatness alone."
The trainer is a critical figure in every boxer's success, offering expertise, advice, and a steady hand when things get tough. Similarly, in investing, an experienced mentor or advisor plays a pivotal role in guiding an investor through the highs and lows of their financial journey. Strategic Insight: Just as a trainer helps refine technique and develop a game plan, a mentor provides strategic direction, helping you understand the market's rhythm, manage risks, and make informed decisions. Avoiding Common Pitfalls: New investors often fall prey to emotional decision-making or chasing trends. A seasoned mentor helps you avoid these mistakes by encouraging patience and rationality in the face of market noise. Accountability and Growth: Like a trainer in the gym, a mentor keeps you accountable for your progress. They challenge you to grow, push beyond your comfort zone, and consistently sharpen your skills. Emotional Support: The mental aspect of investing is just as important as the financial side. A good trainer (or mentor) helps you keep your cool during tough times, offering perspective and encouragement when you're facing setbacks or uncertain markets.

"Surround yourself with wisdom, so you don't have to learn everything the hard way."

How it ties in:
The Head uses the wisdom provided by the mentor to stay rational and clear-headed.
The Body benefits from the trainer's guidance in developing the core principles of sound investment strategy.
The Referee and external market shifts are better navigated with the advice of someone who has seen it all before.
The Heart finds courage in the support of an experienced guide, knowing they're not alone in the fight.
(My visualization: A mentor figure standing beside the boxer, offering advice or pointing out an unseen opportunity - a shadow of wisdom or a glowing blueprint.)

Updated Conclusion (Slide 10):
The Boxer Theory of Investing
9 Elements of the Resilient Investor:
Left Arm - Gold/Silver
Right Arm - Crypto
Body - Cash-Flow Core
Feet - Mobility
Head - Rational Awareness
Referee - Changing Rules
Nose - Battle-Hardened Experience
Heart - Courage to Face the Challenge
Trainer - The Importance of Mentorship and Guidance
"A true champion surrounds themselves with those who help them see further, think smarter, and push harder."

Why This Works:
Learning Curve: Investing, like boxing, is a journey that often requires external perspective. A trainer brings wisdom from the highs and lows of the market, helping investors adjust to the unpredictable nature of investing.
Mentorship: Investors benefit from the collective knowledge of others who have gone through the learning process themselves, saving time, money, and energy.

This new element enhances the overall theory by emphasizing the human connection and wisdom that comes from those who have walked the path before.
With this addition, the Boxer Theory now represents a fully-rounded approach to resilient investing - strategy, discipline, emotional strength, and the value of mentorship.

So now i have a decent start - something to work with, only took me a month or two to write it down... (man, this stuff is harder than i thought it was!)