Dollar cost averaging is pretty consistent method to build for the long term hands off. Just reoccurring the cash flow and reinvesting the dividends back into your index funds can grow overtime. When the market is low you buy in low and when the market is up you gain more with what you hold. I've been playing it long for years now and I plan to continue until I hit those goals.
You live and learn ..... investing is 90 emotional n 10 etc.,.....when I see the s&p go down I actually buy more because I am buying cheaper sharesss...
I started this January and I just put in 50$ monthly. But as soon as i'm rid of my high interest debt will I start to invest 1000$ in to the market, 500$ for index and 500$ for stocks! Though I'm projected to be free of debt in 3years which will make me 30years old when I start in earnest. With that said, I'll see you all when we're all millionaires in the future!
put that $500 in a HYSA or Roth IRA, individual stocks is basically gambling; not a problem if you're willing to lose that money, but obviously it would be less risky using it in a different place
I'm from Malaysia, given our weak currency and my small income, I only convert USD in a lumpsum and then invest into CSPX around 2-3 times a year ( to minimize brokerage fees as well). It's great that Singaporeans have Syfe that provides free trades in a month. We do not have that option
Are malaysians able to use this platform? I'm still new into this and have been looking but most of them either require to get a brokerage license or find a company. Or maybe I am searching at the wrong places. Any help would be highly appreciated
@@worldgenius7441Syfe? No we do not have Syfe ...I use IBKR. If have any broker available for Malaysian that have free trade every month please do let me know as well😂
When you are buying into such a broad ETF like the S&P it make sense to just make consistent buys each month. Unless the US economy collapses you can pretty much rest assured it'll keep going up. When you are buying individual companies thats where it makes more sense to wait for big pullbacks and then buy a lot of shares all at once. A lot of time great companies have a bad quarter and that opens opportunities to scope up shares for 15 to 25% discounts sometimes. As long as the companies you buy have solid balance sheets the same logic applies, over time they should be fine. A recent example is ADM a solid dividend paying stock. They had a bit of a minor scandal recently and they plunged 30% overnight.
I don't really understand her mistake. What if you buy the portion of stock you can afford for the month. What am I missing. Any help would be great. Wouldn't purchase of any amount be better than not purchasing at all? I understand that if she bought more, the gains would have been more but she still gained. Am I on the right path?
@@Qqxx22 i think her mistake was she didnt invest a constant amount over time & that she let her emotions take control.. I mean only invest what you can afford to lose.
You can still take advantage of the dips and still stay within your DCA rules. If the rule is $400 a month, and you notice a good buy price, buying $500-$600+ one month and $200-$300 the next when price heads back up will still stay within the $400/mo rule (ie. $500/$300, $600/$200, etc. = $400/$400), yet you're optimizing opportunity and still eliminating emotion by keeping your average.
No doubts , a good way of growing and saving your money is through investing . You don't need to have much before you can invest. That little money you have now can make you millions if you invest it wisely. I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made
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I've wanted to start investing for a while. Yet, I've always considered it to be late, and I believe I should quit putting things off. I'll absolutely contact Regina Louise Collaro to ask her for advice. Much thanks. This was quite helpful to me
*** SCAM ALERT ***. All the posts recommending a financial advisor are fraudulent. Only a fool when choose a financial advisor based on a TH-cam tip!🤦♂️🤦♂️🤦♂️
@@lisaalapisa4235point is if you actually look at what performs better (lump sum vs DCA), lump sum wins ~70% of the time. DCA is a "regret minimizer." but usually if you don't like the possibility of regretting buying the peak you shouldn't allocate it all into stocks.
In theory it's a good strategy to immediately put anything left over "to work". But I guess that for most people, it's more effective to "pay yourself first" and invest a fixed amount at a fixed frequency. It both helps with taking the emotions out of the picture and making sure you don't allocate those funds to other purposes.
Love a good investing video!! The secret to building wealth is time in the market not timing the market. You dont have to be an expert to start. Just get invested and you can always course correct if you find tweaks that suit you better.
Pretty much every study has concluded that Lump-Sum investing beats DCA'ing. If you can afford to put your yearly investment allocation (like your yearly ROTH IRA limit, etc) in all at once, I think you should do it. DCA'ing is a good plan B though.
Intuitively this makes sense, since if you invest over a long period of time, the many lump sums you contribute get the same consistency as DCA, but your money has more time in the market on average. But could you link a study that backs this up?
Thanks Demi for sharing. I recently started investing although not VOO but simillar ETF that track S&P 500 via endowus after checking your channel. Abit old to start 😂. Appreciate your effort to simplify things for new investors like us.
I also started last year but I dont own only the sp500, I own 3 individual stocks which some gave me 40%ROI as today and also the world msci and some nasdaq. I had a 18% 12 month return wich is fantastic. This year was a good year to start since it was a rebound year. I wouldnt be too much focused on the returns in only 12 months unless you hold individual stocks. this aint gonne be nopthing the moment you get to a 10 20 year mark and you see crazy negative waves aand your account losing almost 6 digits. thats the hardest, its staying cold hearted and not mistakes thatll cost you years of saving.
I've just started poking my nose in investing and have yet not invested in anything, im just luring around in videos and have borowed (soon will buy my own) 2 books for investing, but im glad there is so much info on this theme! I hope to learn more and start by the time new year comes and maby after some years ill build me some wealth! Good luck to everyone out there trying to break the matrix!
I don't think it's necessarily a mistake to not DCA. The benefit of DCA'ing is you reduce variance, but the downside is you lose EV (expected value), since you'll have money sitting there waiting to be DCA'd into your ETF, earning a lower expected ROI in the meantime.
You may want to consider reading into estate tax for VOO and other US domiciled ETF/shares. As the estate taxes can go as high as 40%, enough to wipe away most gains by the time the assets are withdrawn by loved ones in an event of demise. All the efforts of investing might go to waste. CSPX and other sg domiciled ETF/funds through endowus circumvent that estate tax. Might be good for you to read into and educate your viewers since such investment is long term and will impact legacy. Cheers
@@candicekang5845 forex risk is another impt factor to consider. Take a look at usd/sgd chart. USD is on a downtrend against sgd, and if sg continues to thrive our sgd will likely continue to strengthen against usd which is not good for investir holding usd stocks. A great way to eliminate this risk is to look for SG domiciled funds or etfs that mirrors VWRA/SPY/CSPX
Say we use the money to buy Bonds, for a fixed rate of interest, those Bonds money would be used by the Gov to buy stocks like SnP500, which a small portion is given back to us in the form of the interests.
You did well, i started investing right at the top of the pandemic and my returns were always negative. Only this year it has jumped up to 18%, this is long term so it shouldn't matter, I invest 350 automatically every month
VOO is now $540 Dollars right now so if you kept those you got a good amount in the last year from the stock as opposed to the price you show at the time. That is a great stock to buy and hold.
Theres some things that need to be mentioned here: - CSPX also have no estate tax. This is crucial. When a person is no longer around, all non us residents will be taxed up to 40%. Unless you plan to only invest $5000 in your entire life, the amount will compound to a point where its seriously huge and 40% tax is no joke. - this is another seldom discussed issue. If one buys too much us equities and funds, the switching cost from say VOO to CSPX is very high and dangerous. You need to sell your VOO to switch to CSPX. If you dont time this correctly, and miss out just a few days of gains, it will severely crippled your gains for the decades. Be very mindful - one is bound to switch one day to UCTIS Cspx fund. So do it earlier rather than later. Dont be penny wise and pound foolish over such small trading costs and lose sight of the end goal -
The above are all good advise. Non-residents are only allowed an exemption amount of US$ 60,000. Currently, it ranges from 18% to 40%, depending on the size of your stock portfolio. Also, you are still very young and should focus more on growth stocks instead of dividend stocks. When you are young, you do not have a lot of money to invest - so just focus on growing your capital. For example, DBS is one of the best dividend stocks in Singapore, but compare its 1-year, 5-year and 10-year performance against the S&P 500 ETFs. There is really no comparison.
@@thegman8then according to ur reccomendation, if im singaporean & i decide to dca 700 usd into the etf using ibkr consistently for the next 20 year, would it be more wise & efficient in the long run to invest in voo or cspx?
hi can you explain what you mean by estate tax? My understanding is that there is no capital gain tax in sg, and the point of buying the Irish domiciled ETF is to save that 15% of witholding tax. Where does estate tax factor in here? Thanks for replying.
@@junyong-c9v Historically, the US market has offerred more growth than SG market (or any other markets), particulalry in the last 20 years. However, no one can tell what will happen in the next 20 years. If you feel more confident about the US market, then invest there. Personally, that is what I will do, but you need to make your own due diligence. Also, it is better to use CSPX instead of VOO to avoid the US estate tax.
@@b.r.8528 when a person pass on, their stocks will be either sold away or pass down to their next of kin if there is a trust in place. Non us citizens will be liable to pay the estate taxes when liquidating all us based equities or etfs
QQQ/VGT is the way to go, you will get 50% outperformance to the S&P. Long Technology, you only sell technology once they become a heavily regulated industry(think banks post 08, biotechnoloy, etc)
hey good TH-cam Chanel. I'm from Germany and I invested every month 1000 euro in the sp500. for me it is the best index too. many German peoples doesn't investing in the sp500 because the Germans think it's to little diversification. the Germans invested in all world or msci world index but i invested in the sp500 for the next 35 years. good look to all of us🎉
I’m 100% S&P 500 for 40 years now. I looked at some of the international funds and over the long term (15 years+) they had about 2.5% less on average. The internationals were also very volatile. I decided to stick with the S&P500.
I started US market since 2011. I can say when market is mooning and bull. Many people optimistic in hold. When it’s bear market, I don really see people talking about stocks because of fear. But yeah, focus on your income and keep buy when there is a dip. IBKR is better-once your unit increasing. You can learn sell put, covered call option to increase your profit.
I’m stunned how many comments are negative. Put that money in a Roth IRA and it’s tax free when you withdrawal. Or invest 5 more years doing the same and you’re at 1.7 million.
I try to DCA consistently from my salary, but if there's a significant downturn I increase the amount I invest propertionately, if I have cash to spare (assuming you have enough emergency funds and are well-insured against emergencies).
unfortunately most young people will put that $400 into an exspensive new car payment to impress their friends instead of buying a used car thats depreciated by 50% … if u fail to plan then ur planning to fail…
The problem in setting aside USD 400 a month is that , you can’t even buy a single share of VOO now and in the long run, assuming it’s an upward trajectory. You have to go into other ETFs to buy fractional shares , which becomes very inconvenient.
that's actually a strategy, to avarage the value instead of averaging the cost. You invest to increase your value by a fixed amount, so when the price rises you buy less because the value increase is already given by the price rising and when the price fall you have to buy much more to keep having the same value increase. The theory is to buy less when the market is already rising to keep your money for the opportunity to buy more when the market dips. This strategy has its own drawbacks, but is still an existing method with some good elements on it's side.
Appreciate you sharing your S&P 500 investing journey! It's cool to hear about both the highs and the lessons learned. Definitely some solid advice on keeping expectations realistic and staying informed. Thanks for the honest review!
Honestly, not really a mistake... DCA is known to give lower returns than lumpsum investments. Also, October 2023 was when US stock market took a huge dip, and then it started to retrace to a new time high - so imo, you actually got really lucky and your returns would've been much worse if you had DCA'd into the earlier months when the S&P500 were higher.
Almost nobody new in their life/career has $10,000 or so laying around at the beginning of each year to “lump sum” invest. Sure if I had $100,000 when I was 20 I could have just invested that and never invested anything else and I’d be a multimillionaire. But that didn’t happen. Most of us just DCA because we only have a little at the end of each month. BTW- I DCA for my 40 year career in the S&P500 and I am a multimillionaire from that investment.
@Demi Zhuang I believe you might be mistaken about Tax efficiency of US domiciled securities. If your tax residency is in a country that has no Tax treaty with US, you should end up paying full 30% Tax on Dividends if you buy US domiciled S&P500 ETF even if that security is of accumulating type ! S&P500 companies distribute dividends (sub 2% yield) but they still do. and if you hold an accumulating ETF that is US domiciled, I believe you will be charged the full 30% on those dividends ! I believe you might be better off buying Irish domiciled ETF's even if they are accumulating type !
I am 20, and I just put in as much as I can into the S and P month by month, some months it's 0 other months it's a few hundred, I don't ever really look at that money unless their's a emergency
If you make enough money just do recurring automatic payments. Then you don't miss you monthly goals. Of course, invest it if you don't have auto invest.
I didn't become financially independent till I was in my mid 40s after having a major financial setback during the covid, I'm glad i'm on my feet. In addition to buying my second house, I'm also making money on a monthly basis through passive income, and I've also met some of my goals. I really hope this motivates someone to know that it doesn't matter if you don't have any of these things yet; no matter your age, you can start today. Investing can help you change your future!.
I strongly recommend the services of Regina Louise Collaro, a reputable financial advisor and consultant. Through her collaboration with an international organization, she has provided invaluable guidance and support on my financial journey until I reach my goals. Choosing the right financial consultant is vital, akin to finding the ideal life partner, as both profoundly influence your life's direction. I am thankful to have found such an excellent financial consultant who has aided me in accomplishing my financial goals, spanning from education to nearing retirement.
It's surprising to come across Regina Louise Collaro's name here. I've always been uncertain about hiring an investment advisor. Just to clarify, I began collaborating with Regina in 2019. She oversees around 70% of my investments, leaving me with the remaining 30%. My stance has always been that I prioritize my own finances, but she has convinced me of her extensive knowledge regarding present circumstances and upcoming trend
I’ve been investing in the SP500 for around 7 to 8 years so far. It is tough to beat. Mostly invest in that, and in a select few companies I think can beat it over time. Also, been in Berkshire Hathaway for around the same time frame. Do you own Berkshire? What businesses do you think can beat the SP500?
This is why I like my retirement account - it is all automated and taken from my salary every month (~110$ from my paycheck) and invested in my company pension plan. After 4 years it gained almost 40k(as I moved assets from my previous employment plan ~11k). We will start investing like you someday as we wrap up with Mortgage repayment and wrapping up another property purchase. Good luck!
I don't understand why people that are starting from zero are building simoutaneoulsly growth and dividend portfolio. It doesn't makes sense at all, it only slows you down. You either have big enough net worth for dividends to make an impact on your life or you don't. If you don't (yet) the best thing you can do is max out your growth strategy, because that will get you there quicker. In other words until you are able to live off dividends, max out your VOO or CSPX buys (CSPX is better, more tax-efficient).
but after 30 years when you sell your accumulating ETF you will have to pay tax. so maybe its better to invest already in dividend and after 30 years just live off it?
@@darkfurby8092 No, I don't have to pay tax on it. That depends on where you live. In many EU countries including the one where I'm, there is a time test for securities. That means after holding them for more than 3 years, I don't have to pay tax at all.
@@darkfurby8092 What country are you living in? In my country, dividend from US stocks, IRS will take 30 percent cut. Capital gains, no. I just paid the transfer fees to my bank account in my country. That's why I don't buy dividend stocks. I look for gains.
Don’t try to time the market…. It’s all about time in the market…. Automate your investing and forget about it…. Before you know it will be over a $ million b/c of compounding…. Keep it simple😊
Could someone please explain how can you trust some application (web site) invest your money via them? What happen if that application / web site suddenly stop working?
I disagree with the mistake about emotionally investing. Considering the debt-snowball there is some proven psychology to investing inconsistently and building up a position. I'm also curious if you could take on more risk. I'm not a fan of bonds at all. Perhaps the bonds in Singapore lend a decent return, but a varying ROI of 7-9% in the S&P 500 is usually much better. Also a risky, but more rewarding play I think individuals stocks, especially mid-cap, small-cap indexes could be interesting for 5-20% of portfolio. With some cash on hand it would be good to also capitalize on the large corrections like the last pandemic or unusual bond returns. Having cash set aside for these specific cases I think is better psychology.
s&p500 is definitely not higher risk than a REIT, and when you take into account the fact that the s&p500 companies change if they don't fit the criteria- then the only way it`s going down, is if the total American business market is doing the same. I would say that's unlikely- even if America stops being "number 1".
Hey, I love the video. However, are you able to explain the comparison between VOO and CSPX (I.e., the estate taxes and dividends)? And what do you mean by focus on capital growth and that the dividends are reinvested (So if dividends are not distributed in the voo means the tax is not applicable)?
I dollar cost avg $500 a month into my roth IRA and i.dollar cost avg $300 a month in to my fidelity S&P 500 index fund. In 2015 I'm try and invest my whole 40k salary into a growth and income index, growth index,small cap, and a bond fund and I'm evenly invest invest 25% in each sector and I continue to invest $500 a month in my Roth IRA. So I'm be broke and starving next year. But I have a full funded emergency fund so I'm not to worried. Pkus, I live well below my means.
Genuine question, how sure are you that syfe is safe? and whether or not your stocks are truly bought by them or its just a " in principal" theory? What if they close down like FTX?
Thank you very much for this wonderful video ma'am. Whenever you feel like giving up, please remember that you're inspiring a soul and changing a life.
Great video, thanks for all the info. Looking to invest in VOO long term as well and was wondering if it is better to buy voo directly through vanguard and cut out 3rd party brokers? Is there any disadvantage to using vanguard?
1. if u bought less when it rose but compensated and bought more when value goes down, overall wouldnt you have bought the stocks cheaper for the same volume of shares? 2. do you subscribe to the 110-(your age) for stock vs bond allocation? 3. will you classify dividend-making stocks as stock or as bond allocation sicne the yield is quite similar to bonds? cuz with SSB and tbills (for now) i see no point in getting dividend yielding stocks unless one's bond allocation is to be more than the 200k SSB + tbills ? 4. have u considered VWRA? heard its a good ETF to keep things simple thanks for sharing btw. wishing you early financial freedom
1. if a stock goes up 30% and crashes 15%, it's still net 10% up. simply buying at the bottom of a crash still loses money on avg, even if you could time the exact bottom! and ofc it's impossible to time the exact bottom 100% of the time.
YOU BUY HIGH YOU BUY LOW it doesn’t matter you just have to be consistent monthly and max out the Roth IRA the market goes by trend it creates higher high then pullback to give a higher low in long term investing if you waiting for a dip you cutting yourself short
At this point, I'm fairly convinced the only reason S&P 500 keeps going up overtime, is mainly due to all the marketing. People are just buying into it because its the default advice they hear from everyone else. No research nor understanding of the stock market. I guess it works as long as more people put into it instead of drawing out of it.
I don’t get what your mistake was. Would you really have a higher return if you had consistently invested? You got a much better return for buying at low points…
@@RuChernChongthat’s until the big 7 become legacy companies after reaching the limits of their expansion. Facebook has nearly 4 billion unique users. There aren’t many more adults with an internet connection on the planet.
Very great sharing, but what is your opinion with VUAA, the price will be more comfortable with pp, because I think the 15% can save a lot of money in a long term way by using ikr.
The savings in DWHT from CSPX is more than what you save from your Sfye free trade and lower expense ratio of VOO. Further, IBKR offers better FX spot rate and not to mention CSPX is not subjected to estate duty that can be up to 40%. IBKR also recently enabled fractional trade, making the cost of DCA in IBKR minimal (no min comm). I also dont understand the rationale of ignoring dividends, sure, they are not going to be the bulk of your return, but they are still your return. Very odd that you care about the 0.06% fees difference between SPY vs VOO, but not the 1+% return from dividends. Anyway, you can have your own preference, but i think as a content creator with tens of thousands of views, the least u can do is to present the pros and cons objectively and accurately.
Im new to this. It looks like you're investing heavily in VOO while I''ve started investing in VTI. I understand there's a significant market overlap and both perform fairly evenly. Out of curiosity, would you recommend switching to VOO or keep investing in VTI long term?
why are u investing in something that will give 10 to 15 present max profit when u can just buy gold please help me understand? and gold seems to me is a lot more safer too.
Hello, I was hoping to get to know people who have long experience in this field. As a young man with little capital, I look forward to your advice and teaching me if you can. I do not want to take risks and enter into something with little knowledge. I apologize for the length, and if you find that the language is strange to you, know that it is a Google translation, as I speak Spanish and am not fluent in English 🤍
As an S&P500 investor of 40 years, I also approve this message. The S&P500 has the long term (decades) average return of 10%. Just keep contributing every month and if the S&P500 goes down, don’t panic! Just keep contributing as it will go back up. One important thing, if the market is fluctuating, don’t move the money out of the S&P500. This is known as ‘timing the market’ and it almost always results in lower profits.
The risk of a stock is not its price stability, those are caused by news and noise Its the profit of a stock that determines its stability/risk. Which is why buying stocks with historical records like AMZN when its price has a fall 1y ago. u would made 100% profit. Because price is simply a voting machine. Ultimately the stock market is a weighing machine in the long run.
Lump sum investing almost always beats DCA over the long term. I dont really understand your premise here, if you keep doing what you did last year for 20 years you would have more money than simply DCA for 20 odd years.
If you are investing for retirement, the S&P (over the long term of a full career) is the gold standard. If you have ‘mad money’ after contributing to the S&P, there are a few more concentrated US funds that have done well over the last 10 years, but I cannot recall the fund names.
The best advice I can give is to not look to the development of the SP500 Index you are investing. The only thing you need to worry about is to invest the amount of money you defined for each month immediately after you receive your salary. Then just look to the valuation of the investment 30/40 years from now :)
There is no template. DCA just means contributing the same amount of money each month. That way, when stocks are down your contribution buys more stocks and when the market is up, your contribution buys fewer stocks. It’s the discipline of always investing and the long term if 20 or 30 years that gets you a nice retirement.
Hi Demi, just wanted to check if there are any other taxes (in addition to withholding tax on dividends) that one should be aware of in investing vi VOO?
It is interesting. Thank you. Finally some videos with real numbers, it is rare in youtube. I'm prefer more risk with investments, mostly on index with leverage on forex (i dont recommend it tho) and since december crypto (damn, it is excellent)
Can i suggest that, u set aside the amount you are suppose to invest every month ($300).. Like now when s&p is at all time highs u dont buy. E.g. jan/feb. Then march when it drops/pullback then u buy the 3 months worth ($900). Your dca will be at a better entry.
I suggest you lump sum of your uninvested money in first day and dca consistently.Dont time the market thought this is ath.2/3 of the time the market is going up and you never know when it pullback. You will lose the value during those waiting time
Hey, I just started to get interested in investing, but I don't know much about it. Would someone be kind enough to explain to me how to become more knowledgeable on this topic?
Very smart. It's good to see you investing consistently at such a young age, especially working to take the emotions out of it. I dealt with emotions by psyching myself out to wish for market crashes so I could buy low. I loved the Great Financial Crisis and pandemic crash!
I'm currently able to save about $600 for the next few months and $1,000 after April. I've been investing $600 a month in the S&P 500 as a long-term savings approach. Would it be better if I split it to $300 and invest $300 elsewhere until I can save $1,000 and do the same but with $500 on each? or do I stick to one investment?
Sorry, I am new IBKR user I saw you video when you told us about compound interest in those accounts, I am from Canada and also I have a new TFSA there. I would to as you how the compound interest work in my case. I already know about reinvesting dividends but that is another thing. Thanks
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it’s nice to see someone talk about investing in a genuine way 😭 no clickbait or trying to sell us some fake course, i appreciate this a lot.
Never buy the courses, they put most of the course content that you need in the videos any damn way😂
Dollar cost averaging is pretty consistent method to build for the long term hands off.
Just reoccurring the cash flow and reinvesting the dividends back into your index funds can grow overtime. When the market is low you buy in low and when the market is up you gain more with what you hold.
I've been playing it long for years now and I plan to continue until I hit those goals.
Glad the trading community is growing and paying attention to mistakes
You live and learn ..... investing is 90 emotional n 10 etc.,.....when I see the s&p go down I actually buy more because I am buying cheaper sharesss...
s&p is an etf - in the first 5-10 years it is rather more important to save money, i don't care how much i pay cause i have a monthly saving plan.
Like what Kelvin always say… “Stock now on discount 😂”
I started this January and I just put in 50$ monthly.
But as soon as i'm rid of my high interest debt will I start to invest 1000$ in to the market, 500$ for index and 500$ for stocks!
Though I'm projected to be free of debt in 3years which will make me 30years old when I start in earnest.
With that said, I'll see you all when we're all millionaires in the future!
If I can give you a tip, do a bit less in stocks and more in index funds because of the risk!
I don’t understand this,Do u buy s&p 500 EACH MONTH?if i buy it how do i make it grow
You'd be better off just concentrating on paying off rhe debt first, once that's gone, continue with the same amount but into the stock market instead
put that $500 in a HYSA or Roth IRA, individual stocks is basically gambling; not a problem if you're willing to lose that money, but obviously it would be less risky using it in a different place
Stop putting $50 in a month and pay off ur debt my friend
I'm from Malaysia, given our weak currency and my small income, I only convert USD in a lumpsum and then invest into CSPX around 2-3 times a year ( to minimize brokerage fees as well).
It's great that Singaporeans have Syfe that provides free trades in a month. We do not have that option
No its not. Ibkr is still the best. And yes always only buy cspx. Read my comments above
Are malaysians able to use this platform? I'm still new into this and have been looking but most of them either require to get a brokerage license or find a company. Or maybe I am searching at the wrong places. Any help would be highly appreciated
@@worldgenius7441Syfe? No we do not have Syfe ...I use IBKR. If have any broker available for Malaysian that have free trade every month please do let me know as well😂
Yes! I am a Malaysian currently using IBKR! To fund the IBKR account we can use wise
@@Longtermalwayswins Yup ibkr ONLY US 1.70+ per trade for irish domiciled
When you are buying into such a broad ETF like the S&P it make sense to just make consistent buys each month. Unless the US economy collapses you can pretty much rest assured it'll keep going up.
When you are buying individual companies thats where it makes more sense to wait for big pullbacks and then buy a lot of shares all at once. A lot of time great companies have a bad quarter and that opens opportunities to scope up shares for 15 to 25% discounts sometimes. As long as the companies you buy have solid balance sheets the same logic applies, over time they should be fine.
A recent example is ADM a solid dividend paying stock. They had a bit of a minor scandal recently and they plunged 30% overnight.
Sorry....ADM has only a quarterly 0.5/share payout. Try a mid west utility, NGG. U may be happier
I started buying a VOO ETF stock January of 2023. Will continue to buy one once a month in 2024 regardless what the price is.
This is the way
I don't really understand her mistake. What if you buy the portion of stock you can afford for the month.
What am I missing. Any help would be great. Wouldn't purchase of any amount be better than not purchasing at all? I understand that if she bought more, the gains would have been more but she still gained. Am I on the right path?
@@Qqxx22 i think her mistake was she didnt invest a constant amount over time & that she let her emotions take control.. I mean only invest what you can afford to lose.
@@Qqxx22 Yes, it is up nearly 100 Dollars now from the price she showed.... She still would have seen gains with VOO.
You can still take advantage of the dips and still stay within your DCA rules. If the rule is $400 a month, and you notice a good buy price, buying $500-$600+ one month and $200-$300 the next when price heads back up will still stay within the $400/mo rule (ie. $500/$300, $600/$200, etc. = $400/$400), yet you're optimizing opportunity and still eliminating emotion by keeping your average.
No doubts , a good way of growing and saving your money is through investing . You don't need to have much before you can invest. That little money you have now can make you millions if you invest it wisely. I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made
I wholeheartedly recommend Regina Louise Collaro, a distinguished financial advisor based in the US. Her collaboration with an international organization has been pivotal in my financial success. Regina's expert guidance has not only supported me consistently from educational investments to planning for retirement, but it has also played a critical role in significantly enhancing my wealth. Finding the right financial consultant is as vital as choosing the right life partner-both decisions shape your future profoundly. I feel incredibly fortunate to have Regina as my financial consultant, who has truly transformed my financial landscape and helped me thrive financially
you can easily find her information by doing a quick search. Feel free to reach out to her directly with any questions you may have
I've wanted to start investing for a while. Yet, I've always considered it to be late, and I believe I should quit putting things off. I'll absolutely contact Regina Louise Collaro to ask her for advice. Much thanks. This was quite helpful to me
*** SCAM ALERT ***. All the posts recommending a financial advisor are fraudulent. Only a fool when choose a financial advisor based on a TH-cam tip!🤦♂️🤦♂️🤦♂️
@@glasshalffull2930 Yeah I hope no one's dumb enough to fall for those fake convos lmao
My mistake is also not dollar cost averaging in the past and just putting whatever I had left. Great advice and so practical and honest! ❤
you dont want to dollar cost average when buying S&P long term, its much more likely you are not buying at the peak that year than you are.
@@ExySmexybuying at “peak” doesn’t matter when you have a 10+ year horizon.
@@lisaalapisa4235 true but it doesnt change the fact that you still shouldnt if you can
@@lisaalapisa4235point is if you actually look at what performs better (lump sum vs DCA), lump sum wins ~70% of the time. DCA is a "regret minimizer." but usually if you don't like the possibility of regretting buying the peak you shouldn't allocate it all into stocks.
In theory it's a good strategy to immediately put anything left over "to work". But I guess that for most people, it's more effective to "pay yourself first" and invest a fixed amount at a fixed frequency. It both helps with taking the emotions out of the picture and making sure you don't allocate those funds to other purposes.
Love a good investing video!! The secret to building wealth is time in the market not timing the market. You dont have to be an expert to start. Just get invested and you can always course correct if you find tweaks that suit you better.
That and an index fund following the S&P 500. Long term returns averaging 10%+. There will be ups and downs, but just keep contributing each month.
@@glasshalffull2930 absolutely!
Pretty much every study has concluded that Lump-Sum investing beats DCA'ing. If you can afford to put your yearly investment allocation (like your yearly ROTH IRA limit, etc) in all at once, I think you should do it. DCA'ing is a good plan B though.
Intuitively this makes sense, since if you invest over a long period of time, the many lump sums you contribute get the same consistency as DCA, but your money has more time in the market on average. But could you link a study that backs this up?
Which studies because people tend to say the opposite
Thanks Demi for sharing. I recently started investing although not VOO but simillar ETF that track S&P 500 via endowus after checking your channel. Abit old to start 😂. Appreciate your effort to simplify things for new investors like us.
I also started last year but I dont own only the sp500, I own 3 individual stocks which some gave me 40%ROI as today and also the world msci and some nasdaq. I had a 18% 12 month return wich is fantastic. This year was a good year to start since it was a rebound year. I wouldnt be too much focused on the returns in only 12 months unless you hold individual stocks. this aint gonne be nopthing the moment you get to a 10 20 year mark and you see crazy negative waves aand your account losing almost 6 digits. thats the hardest, its staying cold hearted and not mistakes thatll cost you years of saving.
how much did you start with?
I've just started poking my nose in investing and have yet not invested in anything, im just luring around in videos and have borowed (soon will buy my own) 2 books for investing, but im glad there is so much info on this theme! I hope to learn more and start by the time new year comes and maby after some years ill build me some wealth! Good luck to everyone out there trying to break the matrix!
I don't think it's necessarily a mistake to not DCA. The benefit of DCA'ing is you reduce variance, but the downside is you lose EV (expected value), since you'll have money sitting there waiting to be DCA'd into your ETF, earning a lower expected ROI in the meantime.
You may want to consider reading into estate tax for VOO and other US domiciled ETF/shares. As the estate taxes can go as high as 40%, enough to wipe away most gains by the time the assets are withdrawn by loved ones in an event of demise. All the efforts of investing might go to waste.
CSPX and other sg domiciled ETF/funds through endowus circumvent that estate tax. Might be good for you to read into and educate your viewers since such investment is long term and will impact legacy. Cheers
Agree with u.. was about to say this
Outside of estate tax that would eat into any gains,, are there any cons you would highlight for the investor themselves?
Totally on point. Good info. 🎉
@@candicekang5845 forex risk is another impt factor to consider. Take a look at usd/sgd chart. USD is on a downtrend against sgd, and if sg continues to thrive our sgd will likely continue to strengthen against usd which is not good for investir holding usd stocks. A great way to eliminate this risk is to look for SG domiciled funds or etfs that mirrors VWRA/SPY/CSPX
AGRee!
I invest £75 a month because all I can afford
Thats really good. Any money invested is worth it. I’m barely gonna be able to put 35 but gotta stay consistent!!
Good job, you're doing good.
£75 over zero
snowball effect
I start d this year but went into FXAIX instead of voo. Hopefully it’s fine. Was cheaper per share
Thank you, I just started my investment in VOO last week, and am glad this video confirmed that I made the right choice.
Say we use the money to buy Bonds, for a fixed rate of interest, those Bonds money would be used by the Gov to buy stocks like SnP500, which a small portion is given back to us in the form of the interests.
You did well, i started investing right at the top of the pandemic and my returns were always negative. Only this year it has jumped up to 18%, this is long term so it shouldn't matter, I invest 350 automatically every month
VOO is now $540 Dollars right now so if you kept those you got a good amount in the last year from the stock as opposed to the price you show at the time. That is a great stock to buy and hold.
I swapped over to CSPX. I still have them.
Theres some things that need to be mentioned here:
- CSPX also have no estate tax. This is crucial. When a person is no longer around, all non us residents will be taxed up to 40%. Unless you plan to only invest $5000 in your entire life, the amount will compound to a point where its seriously huge and 40% tax is no joke.
- this is another seldom discussed issue. If one buys too much us equities and funds, the switching cost from say VOO to CSPX is very high and dangerous. You need to sell your VOO to switch to CSPX. If you dont time this correctly, and miss out just a few days of gains, it will severely crippled your gains for the decades. Be very mindful
- one is bound to switch one day to UCTIS Cspx fund. So do it earlier rather than later. Dont be penny wise and pound foolish over such small trading costs and lose sight of the end goal
-
The above are all good advise. Non-residents are only allowed an exemption amount of US$ 60,000. Currently, it ranges from 18% to 40%, depending on the size of your stock portfolio.
Also, you are still very young and should focus more on growth stocks instead of dividend stocks. When you are young, you do not have a lot of money to invest - so just focus on growing your capital. For example, DBS is one of the best dividend stocks in Singapore, but compare its 1-year, 5-year and 10-year performance against the S&P 500 ETFs. There is really no comparison.
@@thegman8then according to ur reccomendation,
if im singaporean & i decide to dca 700 usd into the etf using ibkr consistently for the next 20 year, would it be more wise & efficient in the long run to invest in voo or cspx?
hi can you explain what you mean by estate tax? My understanding is that there is no capital gain tax in sg, and the point of buying the Irish domiciled ETF is to save that 15% of witholding tax. Where does estate tax factor in here? Thanks for replying.
@@junyong-c9v Historically, the US market has offerred more growth than SG market (or any other markets), particulalry in the last 20 years. However, no one can tell what will happen in the next 20 years. If you feel more confident about the US market, then invest there. Personally, that is what I will do, but you need to make your own due diligence. Also, it is better to use CSPX instead of VOO to avoid the US estate tax.
@@b.r.8528 when a person pass on, their stocks will be either sold away or pass down to their next of kin if there is a trust in place. Non us citizens will be liable to pay the estate taxes when liquidating all us based equities or etfs
QQQ/VGT is the way to go, you will get 50% outperformance to the S&P. Long Technology, you only sell technology once they become a heavily regulated industry(think banks post 08, biotechnoloy, etc)
hey good TH-cam Chanel. I'm from Germany and I invested every month 1000 euro in the sp500. for me it is the best index too. many German peoples doesn't investing in the sp500 because the Germans think it's to little diversification. the Germans invested in all world or msci world index but i invested in the sp500 for the next 35 years. good look to all of us🎉
Hie, could u please tell me the ISIN for the s&p500 that you are investing in? Thanks in advance.
I’m 100% S&P 500 for 40 years now. I looked at some of the international funds and over the long term (15 years+) they had about 2.5% less on average. The internationals were also very volatile. I decided to stick with the S&P500.
I started US market since 2011. I can say when market is mooning and bull. Many people optimistic in hold. When it’s bear market, I don really see people talking about stocks because of fear.
But yeah, focus on your income and keep buy when there is a dip. IBKR is better-once your unit increasing. You can learn sell put, covered call option to increase your profit.
I’m stunned how many comments are negative. Put that money in a Roth IRA and it’s tax free when you withdrawal. Or invest 5 more years doing the same and you’re at 1.7 million.
I try to DCA consistently from my salary, but if there's a significant downturn I increase the amount I invest propertionately, if I have cash to spare (assuming you have enough emergency funds and are well-insured against emergencies).
unfortunately most young people will put that $400 into an exspensive new car payment to impress their friends instead of buying a used car thats depreciated by 50% … if u fail to plan then ur planning to fail…
The problem in setting aside USD 400 a month is that , you can’t even buy a single share of VOO now and in the long run, assuming it’s an upward trajectory. You have to go into other ETFs to buy fractional shares , which becomes very inconvenient.
Why don't you choose an accumulation ETF? Such as VUAA
Agreed I also buy VUAA
that's actually a strategy, to avarage the value instead of averaging the cost. You invest to increase your value by a fixed amount, so when the price rises you buy less because the value increase is already given by the price rising and when the price fall you have to buy much more to keep having the same value increase.
The theory is to buy less when the market is already rising to keep your money for the opportunity to buy more when the market dips.
This strategy has its own drawbacks, but is still an existing method with some good elements on it's side.
Appreciate you sharing your S&P 500 investing journey! It's cool to hear about both the highs and the lessons learned. Definitely some solid advice on keeping expectations realistic and staying informed. Thanks for the honest review!
VTI is based
VOO is good too
Free trades? You pay for trades? Why?
Yea doesn’t make much sense for dca
I find it crazy that people are paying money just to trade,
I pay zero for trading.
Honestly, not really a mistake... DCA is known to give lower returns than lumpsum investments. Also, October 2023 was when US stock market took a huge dip, and then it started to retrace to a new time high - so imo, you actually got really lucky and your returns would've been much worse if you had DCA'd into the earlier months when the S&P500 were higher.
Almost nobody new in their life/career has $10,000 or so laying around at the beginning of each year to “lump sum” invest. Sure if I had $100,000 when I was 20 I could have just invested that and never invested anything else and I’d be a multimillionaire. But that didn’t happen. Most of us just DCA because we only have a little at the end of each month. BTW- I DCA for my 40 year career in the S&P500 and I am a multimillionaire from that investment.
@Demi Zhuang I believe you might be mistaken about Tax efficiency of US domiciled securities. If your tax residency is in a country that has no Tax treaty with US, you should end up paying full 30% Tax on Dividends if you buy US domiciled S&P500 ETF even if that security is of accumulating type ! S&P500 companies distribute dividends (sub 2% yield) but they still do. and if you hold an accumulating ETF that is US domiciled, I believe you will be charged the full 30% on those dividends ! I believe you might be better off buying Irish domiciled ETF's even if they are accumulating type !
and 40% estate tax !
If you buy accumulating then you do not pay 30% or any US tax! Only on dividend stocks if you are not a US resident 😊
I am 20, and I just put in as much as I can into the S and P month by month, some months it's 0 other months it's a few hundred, I don't ever really look at that money unless their's a emergency
Hi, do you need to pay any income tax when investing in US S&P500? A video detailing on this perhaps? Thanks a lots !
In my opinion, for passive investment, SnP is enough, because it is already diversified.
So did you open an individual brokerage account?
If you make enough money just do recurring automatic payments. Then you don't miss you monthly goals. Of course, invest it if you don't have auto invest.
I didn't become financially independent till I was in my mid 40s after having a major financial setback during the covid, I'm glad i'm on my feet. In addition to buying my second house, I'm also making money on a monthly basis through passive income, and I've also met some of my goals. I really hope this motivates someone to know that it doesn't matter if you don't have any of these things yet; no matter your age, you can start today. Investing can help you change your future!.
What did you invest in?
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Pls Wonderloot , how can I reach out to her?
I think you can easily find her information by doing a quick search. Feel free to reach out to her directly with any questions you may have.
It's surprising to come across Regina Louise Collaro's name here. I've always been uncertain about hiring an investment advisor. Just to clarify, I began collaborating with Regina in 2019. She oversees around 70% of my investments, leaving me with the remaining 30%. My stance has always been that I prioritize my own finances, but she has convinced me of her extensive knowledge regarding present circumstances and upcoming trend
I’ve been investing in the SP500 for around 7 to 8 years so far. It is tough to beat. Mostly invest in that, and in a select few companies I think can beat it over time. Also, been in Berkshire Hathaway for around the same time frame. Do you own Berkshire? What businesses do you think can beat the SP500?
so is it profiting to invest in s&p or not
Exactly you are on plus or minus
Thanks for the great video! What is the calculator that you showed in the video? Thanks in advance.
What do you think about SCHG vs VOO?
This is why I like my retirement account - it is all automated and taken from my salary every month (~110$ from my paycheck) and invested in my company pension plan.
After 4 years it gained almost 40k(as I moved assets from my previous employment plan ~11k).
We will start investing like you someday as we wrap up with Mortgage repayment and wrapping up another property purchase.
Good luck!
I don't understand why people that are starting from zero are building simoutaneoulsly growth and dividend portfolio. It doesn't makes sense at all, it only slows you down. You either have big enough net worth for dividends to make an impact on your life or you don't. If you don't (yet) the best thing you can do is max out your growth strategy, because that will get you there quicker. In other words until you are able to live off dividends, max out your VOO or CSPX buys (CSPX is better, more tax-efficient).
It took me a few months to get to this conclusion, but I agree.
but after 30 years when you sell your accumulating ETF you will have to pay tax. so maybe its better to invest already in dividend and after 30 years just live off it?
@@darkfurby8092 No, I don't have to pay tax on it. That depends on where you live. In many EU countries including the one where I'm, there is a time test for securities. That means after holding them for more than 3 years, I don't have to pay tax at all.
@@jakubkouo What Country is that? Here in Ireland our taxes are crazy for this stuff and I'm thinking about moving because of it
@@darkfurby8092 What country are you living in? In my country, dividend from US stocks, IRS will take 30 percent cut. Capital gains, no. I just paid the transfer fees to my bank account in my country. That's why I don't buy dividend stocks. I look for gains.
Don’t try to time the market…. It’s all about time in the market…. Automate your investing and forget about it…. Before you know it will be over a $ million b/c of compounding…. Keep it simple😊
You think i should lump-sum at ATH? Im still going to DCA, but idk if I should put some money rightaway at ATH...
Could someone please explain how can you trust some application (web site) invest your money via them? What happen if that application / web site suddenly stop working?
I disagree with the mistake about emotionally investing. Considering the debt-snowball there is some proven psychology to investing inconsistently and building up a position. I'm also curious if you could take on more risk. I'm not a fan of bonds at all. Perhaps the bonds in Singapore lend a decent return, but a varying ROI of 7-9% in the S&P 500 is usually much better. Also a risky, but more rewarding play I think individuals stocks, especially mid-cap, small-cap indexes could be interesting for 5-20% of portfolio. With some cash on hand it would be good to also capitalize on the large corrections like the last pandemic or unusual bond returns. Having cash set aside for these specific cases I think is better psychology.
s&p500 is definitely not higher risk than a REIT, and when you take into account the fact that the s&p500 companies change if they don't fit the criteria- then the only way it`s going down, is if the total American business market is doing the same. I would say that's unlikely- even if America stops being "number 1".
Hey, I love the video. However, are you able to explain the comparison between VOO and CSPX (I.e., the estate taxes and dividends)? And what do you mean by focus on capital growth and that the dividends are reinvested (So if dividends are not distributed in the voo means the tax is not applicable)?
I dollar cost avg $500 a month into my roth IRA and i.dollar cost avg $300 a month in to my fidelity S&P 500 index fund. In 2015 I'm try and invest my whole 40k salary into a growth and income index, growth index,small cap, and a bond fund and I'm evenly invest invest 25% in each sector and I continue to invest $500 a month in my Roth IRA. So I'm be broke and starving next year. But I have a full funded emergency fund so I'm not to worried. Pkus, I live well below my means.
I meant *2025
Genuine question, how sure are you that syfe is safe? and whether or not your stocks are truly bought by them or its just a " in principal" theory? What if they close down like FTX?
Thank you very much for this wonderful video ma'am. Whenever you feel like giving up, please remember that you're inspiring a soul and changing a life.
Great video, thanks for all the info. Looking to invest in VOO long term as well and was wondering if it is better to buy voo directly through vanguard and cut out 3rd party brokers? Is there any disadvantage to using vanguard?
I really hate losses so my dca plans is consistent unless the market dips by more than 7%. If that happens my dca input for that month will be 2x.
1. if u bought less when it rose but compensated and bought more when value goes down, overall wouldnt you have bought the stocks cheaper for the same volume of shares?
2. do you subscribe to the 110-(your age) for stock vs bond allocation?
3. will you classify dividend-making stocks as stock or as bond allocation sicne the yield is quite similar to bonds? cuz with SSB and tbills (for now) i see no point in getting dividend yielding stocks unless one's bond allocation is to be more than the 200k SSB + tbills ?
4. have u considered VWRA? heard its a good ETF to keep things simple
thanks for sharing btw. wishing you early financial freedom
1. if a stock goes up 30% and crashes 15%, it's still net 10% up. simply buying at the bottom of a crash still loses money on avg, even if you could time the exact bottom! and ofc it's impossible to time the exact bottom 100% of the time.
3. stocks are stocks... dividend yielding stocks are still way higher risk than bonds.
YOU BUY HIGH YOU BUY LOW it doesn’t matter you just have to be consistent monthly and max out the Roth IRA the market goes by trend it creates higher high then pullback to give a higher low in long term investing if you waiting for a dip you cutting yourself short
At this point, I'm fairly convinced the only reason S&P 500 keeps going up overtime, is mainly due to all the marketing. People are just buying into it because its the default advice they hear from everyone else. No research nor understanding of the stock market. I guess it works as long as more people put into it instead of drawing out of it.
You don’t think the intrinsic value of Americas most powerful companies has increased?
The emotion part was important to hear. I am new to this and investing can be scary for the first time. Thank you for sharing
I don’t get what your mistake was. Would you really have a higher return if you had consistently invested? You got a much better return for buying at low points…
Let’s say you want to invest $200 per month but the market isn’t where you want it to be(A high), it’s best to wait it out(low)?
Hmmmm.. isnt investing into VOO "diversified" enough?
Im curious why the s&p 500 is considered high risk on your scale.
probably because the vanguard website says it is.
I am keep buying both VOO & FTEC for more than 3 years. The latter outperform the former.
FTEC for sure will outperform the S&P 500 index because they are tech focused; in a way similar to Nasdaq.
@@RuChernChongthat’s until the big 7 become legacy companies after reaching the limits of their expansion.
Facebook has nearly 4 billion unique users.
There aren’t many more adults with an internet connection on the planet.
Do you recommend investing on revolut?
Very great sharing, but what is your opinion with VUAA, the price will be more comfortable with pp, because I think the 15% can save a lot of money in a long term way by using ikr.
agree 15% a lot! OVER 30 YEARS!
The savings in DWHT from CSPX is more than what you save from your Sfye free trade and lower expense ratio of VOO. Further, IBKR offers better FX spot rate and not to mention CSPX is not subjected to estate duty that can be up to 40%. IBKR also recently enabled fractional trade, making the cost of DCA in IBKR minimal (no min comm). I also dont understand the rationale of ignoring dividends, sure, they are not going to be the bulk of your return, but they are still your return. Very odd that you care about the 0.06% fees difference between SPY vs VOO, but not the 1+% return from dividends.
Anyway, you can have your own preference, but i think as a content creator with tens of thousands of views, the least u can do is to present the pros and cons objectively and accurately.
haha noted, with thanks.
From Sg too.. Just like to ask is it better to sign up IBKR SG or the US one?
What are your thoughts on hedge fund trading? I started buying and selling options and made almost 60% ROI in a month despite the high risk
No thoughts on it. I don't do that.
SPLG it’s a cheaper VOO with a lower expense ratio 🎉
Cheaper SPY
Hi, thx for sharing, can you share which trading platform you are using again? Didn't catch it in the vid. Thanks!
Syfe Trade and Moomoo
the easiest way to invest is just buying s&p at every dips/support
Thank you, very informative! I did have to check several times if the speeds wasn't set to +1. You speek so fast
I had to stop watching because of that. The fast speed of talking + the accent gave me a headache lol
@@Outspoken2012imagine to dumb to slow a vid down must be hard to be you
It can be annoying, and it makes it a challenge to follow along. It makes people like me less likely to subscribe @Outspoken2012
Im new to this. It looks like you're investing heavily in VOO while I''ve started investing in VTI. I understand there's a significant market overlap and both perform fairly evenly. Out of curiosity, would you recommend switching to VOO or keep investing in VTI long term?
why are u investing in something that will give 10 to 15 present max profit when u can just buy gold please help me understand? and gold seems to me is a lot more safer too.
So it's better to be consistent rather than neither or there
As an S&P500 10-year investor, I approve this message. In my case, I put that in IVV instead of VOO which is very similar.
Hello, I was hoping to get to know people who have long experience in this field. As a young man with little capital, I look forward to your advice and teaching me if you can. I do not want to take risks and enter into something with little knowledge.
I apologize for the length, and if you find that the language is strange to you, know that it is a Google translation, as I speak Spanish and am not fluent in English 🤍
As an S&P500 investor of 40 years, I also approve this message. The S&P500 has the long term (decades) average return of 10%. Just keep contributing every month and if the S&P500 goes down, don’t panic! Just keep contributing as it will go back up. One important thing, if the market is fluctuating, don’t move the money out of the S&P500. This is known as ‘timing the market’ and it almost always results in lower profits.
The risk of a stock is not its price stability, those are caused by news and noise
Its the profit of a stock that determines its stability/risk. Which is why buying stocks with historical records like AMZN when its price has a fall 1y ago. u would made 100% profit. Because price is simply a voting machine. Ultimately the stock market is a weighing machine in the long run.
Lump sum investing almost always beats DCA over the long term. I dont really understand your premise here, if you keep doing what you did last year for 20 years you would have more money than simply DCA for 20 odd years.
i didn't know you can fractionally buy VOO
what would you recommend investing in besides the S&P?
I'm 5 months into vargwords S&P at £100 month?
If you are investing for retirement, the S&P (over the long term of a full career) is the gold standard. If you have ‘mad money’ after contributing to the S&P, there are a few more concentrated US funds that have done well over the last 10 years, but I cannot recall the fund names.
Vanguard all world - more diverse and doesn't solely rely on the US market if it has any issues
my mistake is Syfe trade hahahah .Thought save on Fees , but the exchange rate is horrendously bad . Exceeds the savings on the exchange rates.
The best advice I can give is to not look to the development of the SP500 Index you are investing. The only thing you need to worry about is to invest the amount of money you defined for each month immediately after you receive your salary. Then just look to the valuation of the investment 30/40 years from now :)
hey, thanks for the informative video, is there an excel template that you use to calculate your DCA every month? Thanks
There is no template. DCA just means contributing the same amount of money each month. That way, when stocks are down your contribution buys more stocks and when the market is up, your contribution buys fewer stocks. It’s the discipline of always investing and the long term if 20 or 30 years that gets you a nice retirement.
Hi Demi, just wanted to check if there are any other taxes (in addition to withholding tax on dividends) that one should be aware of in investing vi VOO?
Estate taxes!
How much should i invest each month in sp500. Newbie here, tysm
Planning to invest next year, reading and watching videos related to learn
It is interesting. Thank you. Finally some videos with real numbers, it is rare in youtube. I'm prefer more risk with investments, mostly on index with leverage on forex (i dont recommend it tho) and since december crypto (damn, it is excellent)
Which platform do you use for crypto
u are never too late money averaging is important
Can i suggest that, u set aside the amount you are suppose to invest every month ($300).. Like now when s&p is at all time highs u dont buy. E.g. jan/feb. Then march when it drops/pullback then u buy the 3 months worth ($900). Your dca will be at a better entry.
Oo i actually thought of this too!
Only dca on red days!
You can just buy more when the price is lower than your average price say 3-5% lower
I suggest you lump sum of your uninvested money in first day and dca consistently.Dont time the market thought this is ath.2/3 of the time the market is going up and you never know when it pullback. You will lose the value during those waiting time
I think the majority of the Nasdaq 100 will actually be in the S&P 500 so would there be much advantage in investing in both ?
Nasdaq tends to be more volatile.
Hey, I just started to get interested in investing, but I don't know much about it. Would someone be kind enough to explain to me how to become more knowledgeable on this topic?
Very smart. It's good to see you investing consistently at such a young age, especially working to take the emotions out of it. I dealt with emotions by psyching myself out to wish for market crashes so I could buy low. I loved the Great Financial Crisis and pandemic crash!
I'm currently able to save about $600 for the next few months and $1,000 after April. I've been investing $600 a month in the S&P 500 as a long-term savings approach. Would it be better if I split it to $300 and invest $300 elsewhere until I can save $1,000 and do the same but with $500 on each? or do I stick to one investment?
Is this on your Roth IRA or taxable brokerage account?
Sorry, I am new IBKR user I saw you video when you told us about compound interest in those accounts, I am from Canada and also I have a new TFSA there. I would to as you how the compound interest work in my case. I already know about reinvesting dividends but that is another thing. Thanks