Summary of "كيفاش تستثمر بالمغرب رغم الغلاء الكبير في العقار و الأسهم و الذهب"

Summary

The video discusses investment strategies in Morocco amid high prices in real estate, stocks, and gold. It focuses on passive investment approaches aimed at preserving capital against inflation and currency depreciation.

Key Assets and Markets Mentioned

Real Estate: Real estate is expensive in major Moroccan cities such as Marrakech, Tangier, Rabat, and tourist-heavy areas. Prices remain high due to strong demand in city centers and tourist zones linked to events like the World Cup.
Stock Market: The Casablanca Stock Exchange (CSE) is highlighted. Some sectors and stocks are rising, including banks and transport companies like Maz Mars, Sonti Akdital, and Sotima. However, other sectors decline as capital flows toward high-risk, high-greed areas. The market is uneven, presenting opportunities in undervalued stocks.
Gold: Gold prices are rising in Morocco due to the floating currency and inflation, even if global gold prices fall. Gold is viewed as a medium-term store of value, especially in countries with floating currencies like Morocco and Egypt.

Investment Methodologies / Frameworks

Stock Market

Recognize that not all sectors move uniformly during bull or bear markets.
Avoid high-priced stocks driven by greed or fear of missing out (FOMO).
Seek undervalued companies with strong fundamentals.
Diversify across sectors showing growth potential.

Real Estate

Avoid overpriced properties in prime cities and tourist hotspots.
Focus on small to medium cities, suburbs, or lesser-known areas with potential future growth (referred to as “hamzas”).
Be patient and conduct thorough research to identify undervalued or emerging locations.

Gold

Use a Dollar-Cost Averaging (DCA) approach (called “Dirham Cost Free”) by buying small amounts regularly (e.g., 5,000 to 20,000 dirhams) instead of lump sums.
Consider different forms of gold investment: jewelry, coins, and cash currency.
Understand that gold prices in Morocco may rise even if global prices fall, due to local currency float and inflation.

Macroeconomic Context

Inflation and currency depreciation (floating dirham) are eroding the value of cash holdings.
Investing is necessary to preserve purchasing power.
High prices in traditional assets require smarter, more selective investment choices.

Recommendations and Cautions

Avoid holding large cash amounts in Moroccan dirhams because of inflation and currency risk.
Do not chase hype or overpriced stocks and real estate.
Adopt a patient, research-driven approach to find value investments.
Use regular, incremental buying in gold to mitigate price volatility.
Focus real estate investment on emerging or undervalued areas rather than prime locations.

Disclosures

The opinions shared are personal and do not constitute formal financial advice. Viewers are encouraged to comment and share their opinions. The channel offers additional content on active investments and business opportunities in Morocco upon request.

Presenter / Source: The video is from My Money Channel (قناتي مالى), a personal finance channel focused on Moroccan investing contexts.