I sometimes use my ETFs to buy dividend and growth stocks for diversification instead of reinvesting in the same place. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important. Salute for the content!
The current market might create short-term opportunities to maximize profit, but in order to execute such strategy , you must be a skilled practitioner
Or better yet, have one.. For several years, I've been in touch with a coach, mostly because I lack the depth of understanding and mental toughness to deal with the ongoing market conditions. You lack the information necessary to succeed in a competitive market, not because you're doing anything wrong, but rather because of your lack of experience.
Inflation depreciates idle money. I'm in a privileged position to be able to save almost 65% of our net household income, as I placed it on safer investments. The key for us was not spending beyond our means. If you invest and have other sources of income outside of dividends then you will be able to live off dividends. Got north of $520K in my portfolio as I bought a lot of dividend stocks before, I'm buying more now, and I will buy more when it drops further.
The main problem is that most folks don’t care about anything other than football, Basketball and Music etc. They find it normal to take credit card debt which will cost them 20% per year but considers it risky to invest their money and make 10% or more per month. Learning to avoid high interest debt while also learning how to put your money to work for you by investing is a very powerful combo.
Starting out with a professional that knows the ropes of the choppy but profitable market is the best way to achieve getting a well structured portfolio. That’s why I have been working with 'MARGARET ANN WARNKEN" because in financial dealings one has to be prudent. Most traders enter and exit with a quick 10% profit which is not bad in general opinion but why not make more of the opportunities presented?.
She looks the part. MARGARET really seems to know her stuff. Out of curiosity i looked her up, found her web~page, and decided to read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her.
Dividends from SCHD are typically taxed at the qualified dividend rate, which may be lower than ordinary income tax rates for many investors. However, the main focus for markets now is Nvidia, which has powered a large chunk of the S&P 500’s recent earnings.I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
This is definitely considerable! think you could suggest any professional/advlsors i can get on the phone with? i'm in dire need of proper portfollo allocation
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
Passive income is the best way to achieve financial freedom... Investing into different portfolios is the best decision I've made. Reminds me of a year when I was so broke that I could barely pay my bills. I remember the most important step in my life when I invested my last income with an experienced Forex trader who was recommended to me by a friend. It may seem a bit, but it took courage to know that investing was the right thing to do at the time. Today my small investment of just $ 300 generated over $ 150,000,After I kept Investing and reinvesting. To be successful, you must take a big step. It all starts here.
@@rossi2225 I had a similar experience to yours. My investment in forex trading saved me from financial burdens after losing my job. Forex trading is very profitable when you have a good Forex trader.
Forex trading is very profitable. When you have a professional forex trader who is good at what he does, your profits can increase by more than 100%. My investment in the forex market bought me the house of my dreams.
@Carol M. Anders .All you have to do as a beginner to make good profit in cryptocurrency is trade with a professional trader who Will always notify when to BUY/SELL else you make losses.
It's strange how people talk about all the returns and earns they have been making through trading cryptocurrency. While am here making huge loses. Please can someone put me through on the right paths.
I do trade with with Mentor Derek Mia Scott a regulated Mentor I met her sometime early last year at a start-up funding event. She has some interesting she had some interesting to say about the state of algorithm trading today. Obviously am seeing the results
That’s incredible! Thank you! I’ve been lurking your videos for years, too - crazy how our paths crossed! If you’re ever in LA, it would be my treat to wherever you wanted to go 🍔
Year-over-year inflation stood at 6.5% in December 2022-the lowest that figure has been in more than a year. Inflation was in line with what economists expected and gave many of them a reason to believe that the peak of inflation may be behind us. I have approximately $150k stagnant in my port_folio that needs growth. What is the best way to take advantage of this downturn?
you’re right! The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner
This guy is really doing God's work on youtube. These are the things school should teach from junior highschool and up but wont because the system doesnt want us financially independent. Thank you
@@sharpemang I mean, i do agree and think he's a nice guy in general, but he's definitely getting money out of us... In fact, quite a bit. He has an interesting vid on just how much he makes from youtube a year (a ton). But he puts a lot of work into it and it's a genuinely good thing he's doing
Yay, I am glad I chose both #1 index funds right when I started working at the age of 24. I put them both in my Roth IRA and automatically add a few hundreds each month. Early retirement here I cooome
I prefer having Index Funds only to my 401 or 403 Retirement account since those are the only good choices anyway. My Roth IRA is on Dividend Aristocrats, specially Dividend Kings since they can provide more returns than Index Funds. If they can give free money for 25 or 50 years, I do not believe there is a risk on it.
That's not the problem. Experts advise not to check them so you don't freak out if the market drops and sell out. If you have your emotions in check you'll weather the storm long-term.
I totally agree with you, the stock market is the most profitable venture ever invested in, I reached my goal of $500k yearly trade earnings. Setting realistic goals is an essent... Read more
Minor correction, the Fidelity ticker symbol for the S&P 500 index is FXAIX (not FXIAX). I own shares of that index. But it is a great index. I thought about selling those shares to buy into the Charles Schwab index. Mainly because I wanted double the shares, but I'll stick with Fidelity index. 😁
how so? I mean invest for profits because I have never done it before although back then I had friends trading stocks and making money but it was never my thing
Stocks is a great investment and way to create multiple income sources from the proceeds, I have been in the market for years now and I have made my fair share of wealth over time
*Rich people plays the money game to win.* *Poor people plays the money to not lose.* *The goal of the truly rich people is to have massive wealth and the poor sees a surplus as an opportunity for consumption instead of investing it.* *change your mindset and do what the rich does,* *which is investing,* *investing and investing.*
What I do is invest into ETFs and blue chip stocks but I like to focus on ETFs that mirror the performance of a major index like the S&P 500 for good ROI monthly and long term
@@emilyhowe3359 I don't actually, I work with a FA managing my portfolio, her name is Susan Kay Mack, she's quite known so you can search up to know more if need be and connect with her on her webpage.
So I bought my WeBull stocks via your link, and I'm new to investing but fascinated by it. Would you please do a video about the best places to research stock market valuations per individual stocks/index funds, and future predictions. I understand you research a lot about the company before you buy, but I'm wondering what the best websites/companies are to find the most accurate data/analyses to make a decision about which fund/stock to choose for long-term investing. If you would make a video about that, I would watch it a few 100 times a day without skipping the ads. If any knows about valuable resources to find data about stocks and predictions (besides the stock market) please comment below!
td ameritrade and yahoo finances are great resources. td ameritrade has the bonus that they are also an invesment firm and have a lot more tools than say robin hood. (idk how to use them though im also brand new my advice is not professional)
Just invested my first $1,000 into VTI! I’ve been wanting to invest for years (not counting my Roth) but have been too scared to pull the trigger. Thank you for all the information!! 😊
Might be wrong here. But when you run the numbers, Vanguard's tax efficiency makes up for the expense ratio when compared to the free funds from Fidelity.
I have been actively researching for about five weeks into investing for the first time. I have been watching CNBC four hours while working at home and trying to learn all the technical jargon of all those talking heads. It is very educational. It is there that I heard mentioned index funds. But, until I watched your video clip did I really get the full picture. I just finished watching a video of Warner Buttfet talking about index funds and he said something very telling: "Grow with America, the USA has again and again outperformed all countries technologically and economically, and I believe will continue doing so for decades to come".... I think I will go with that and tomorrow call Vanguard to invest in the VFIAX and the VTSAX. Thanks for your info!..I hit the like button and now I'm a subscriber.
"Vanguard has a fairly unique structure in terms of investment management companies. The company is owned by its funds. The company’s different funds are then owned by the shareholders. Thus, the shareholders are the true owners of Vanguard. The company has no outside investors other than its shareholders. Most of the major investment firms are publicly traded." -John Edwards
My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless
i have seen loads of news of Marissa Saponare on the internet, she must really be that good for she to be talked about in such a way..,is MARISSA SAPONARE on youtube? please how do i reach her
@@greggarciamarquez6051 Managing risk when trading Trading in volatile markets Using technical analysis Trading Strategy Having a good entry and exit strategy
In my calculations I should have made enough to retire by the end of 2020 but oh well, I only ended up liquidating over $350K worth of assets and I'd really start investing again, any advise for me?
It is a great idea to get back into the market, but I'd suggest just get in touch with a consultant or broker, that way you stay afloat the market craziness.
Few additional notes: VTI vs VTSAX. With VTSAX bought directly from Vanguard, there's no bid/asked spread because as a normal no-load no transaction fee index fund, it doesn't trade on the exchange. So by hair splitting, that may matter more than the .01% expense ratio difference. If you had a VTI, you will pay for the spread every time including reinvestment of dividend even if you used a zero commission broker because it is trading on the exchange. Many funds now are involved in security lending which is a scheme to loan your stocks contained in the fund to short sellers temporarily. The revenue generated from that lending activity is sometimes not returned at all to the fund itself but in the case of Vanguard, 100% of the revenue generated from that lending fee is returned to the fund and no, that doesn't show up in the expense ratio figure. This might be bigger than the difference between 0.04% expense ratio and 0%. Since Vanguard Index fund and ETF shares are the same exact fund with different share class, the index fund can benefit from ETF's tax efficiency of creation units being traded from authorized participants purging low cost basis shares which in turn reduces the odds of capital gains distribution. That last one is important enough that in a taxable account, I would not recommend non-Vanguard Index fund over others like Fidelity FZROX. If it is in a retirement fund, it might be closer to a wash because of the security lending revenue sharing but time will tell. For HSA, Vanguard doesn't offer a free personal HSA like Fidelity so I'd pick Fidelity. But for most other cases, I'd pick Vanguard even if it looked like a wash because their history in driving costs down while other companies are profit driven.
I feel investors need to be focus on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
The availability of opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember years ago when I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k
This is definitely something I will consider! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation
While most of the higher ranked funds pay annual dividends, the lower ranked (Vanguard) ones are quarterly. I would think that with the power of compounding that the more often dividend would outweigh the 0.00% expense ratio. Perhaps a follow up video to put this to the test?
@@Hokou do you know why the big price difference between Vanguard and Schwab and Fidelity if they are the same basic funds. Also do you see any difference buying direct from them or from a broker like Merrill.
You can’t rate a fund based on just min investment required and it’s expense ratio. You missed the main ingredient called “returns”. It would have been better if you showed their historical returns while comparing.
Yeah, I'm not putting my savings into an index that is about to go negative for 10 years, this dude doesn't warn you your money is essentially lost until the market goes back up
@@jimmycakes7158 Why are you investing if you're looking to use the money in a short time span? If the entire market goes down you have biggie life problems.
You left out the dividend yield. For example FNILX pays 1.10% annual dividend, but has a 0% expense ratio However Schwabs SWPPX has a current dividend yield of 1.70%, with a 0.02% expense ratio. On a $100k account held for 1 year, you would get $1,680 from schwab, but only $1,100 from fidelity. These of course fluctuate with the market YOY but the average on SWPPX is higher. Also it was incepted in 1997 vs FNILX inception in 2018
Would love a little advice. Let’s just say there was $50,000 sitting in a Roth IRA that needs to be invested, how many index fund should be chosen? How much money should be initially invested? And how much money recurring payment should be made to that fund? For the best return?And finally which of these mentioned index funds would you choose?
There's no one right or wrong answer. You could lump sum it all at once, or you could dollar cost average into it over time. It's just up to you how you want to deploy your funds. As for what fund, I would just go with an S&P 500 index fund.
You can put $20,000 into S&P 500 and put the $30K into three different index funds, if you want. I will not do that though. I will put the remaining $30k into small and mid cap funds - that is what is called proper diversification. Putting all the $50k into three different index funds is not proper diversification, in my opinion. However, the choice is yours. Please do what will make you happy.
My first investment with Mr Alex Donaldson gave me profit of over $24,000 US dollars and ever since then he has never failed to deliver and I can even say he is most sincere broker I have ever known.
Another bit of advice, fellow investors! Note that ETF alternatives tend to have slightly better SEC yields and lower expense ratios, especially on vanguard!
So can we use Public to invest in some of these index funds? If not, are there any index funds we can invest in using Public and what are your top suggestions?
I'm almost 19 years old. I'm so glad I found this corner of TH-cam so I can avoid the rat race and actually enjoy my life. I already got the frugal part down.
Nice rundown on index funds. Personally, I'm invested at Vanguard - I started a couple of years before Fidelity started offering their free index funds and I don't have so much money compounded that I feel the need to switch over. I like the fact that Vanguard is structured the way it is and there's also the possibility that one day Fidelity will decide that offering free index funds is a business model that no longer works and go back to charging a minimal fee to administer them (which negates the point of switching in the first place). If I wanna save the extra couple hundred dollars, I'll find somewhere else to cut - like making iced coffee at home, perhaps?
5:08 I disagree, it does make a significant difference. Assuming investors are investing for the long term, a few dollars over several years can add up to several thousands. The sole purpose in DIY investing Is to maximize profits by limiting commission, fees and expenses. Overall good review.
I’m not good doing it alone but getting into the market has been my best decision so far in my road to financial independence as it turned out lucrative for me.
@Prisilla OK The best strategy to use in trading is to trade with a professional who understands the market quite well, that way maximum profit is guaranteed
@@maxi-b3v I'm amazed you mentioned Mrs Maxwell, she is the best and her strategies works like magic. I've been making over 300% of my investment weekly since I started investing with her trading service.
I keep wondering why people save with the bank when you can easily Invest it in bitcoins while it grows more profit, Evelyn .T. Hills is an expert trader and her strategic method of trading works perfectly well.
I'm currently achieving success investing in bitcoin because I read through a post on bitcoin & how to get started with the help of an expert Evelyn T hills
The global pandemic shut many financial institutions from functioning thereby rendering most people jobless & investors lost more than they ever thought of losing.
Got linked up to her on a conference meeting held at UK at UCLA Anderson financial institution, and ever since then she has changed my financial status for the better..
Great video. For a long time, I have been watching the Fidelity zero expense ratio funds versus Vanguard. The dividends given by the Fidelity zero expense funds are less than VTI and VXUS. The higher dividends on VTI and VXUS will more than pay off the expense ratio. I feel VTI and VXUS have higher returns at the end of the day. It would be great if you could do a video on comparing the returns of popular index mutual funds or ETFs taking into account both the expense ratio and dividends. I love your TH-cam channel!
Hi Graham, when you say expense ratio = 0.00%. Does it really mean NO fees to hold? Like the only fee incurred is the brokerage commission if we buy in?
Financial education should be taught in every level of education but because of the misplaced priorities we have in the system, the average man is suffering it, I am a beginner who is seeking for advice,I want to start trading this year
@@pablosilva5559 Indeed the best way begin is to start is to get professional, it's never too late to invest in the market but as a fresher reaching out to a Stock broker will be your best bet.
@@linacui667 You are very right, I was just like Jess when I started some months ago, I got to hear about one professional on this same platform, contacted her and now I don't really need to stress much about work any more and now am even thinking of opening my own space.
@@jayjessicahudson9601 I don't mentor investors, I have a financial consultant Amelia Babasa Wood, who handles my portfolio(s) and I have been perfecting my strategy with her educational materials.
Just wondering, why not VT (Total World Index Fund)? It's more diversified than VTI as it includes non-US developed and emerging markets, for a low expense ratio as well. Thanks for the informational video!
But with index fund do we have to set up an automatic reinvestment? Or is it okay not to? What if there are months I don’t have enough money to invest in the index fund?
@@orangemountain457 hey thank u so much for replying. Thanks for clearing this up. Yes I meant the automatic contribution. I have started investing with ETF but now I’m considering investing in index fund but I live in Japan but I do know that Americans can use their 401k and Roth IRA. That’s a really nice move if u don’t want to be paying a lot of taxes.
@@orangemountain457 thank you for replying. Yes but I am interested in the traditional index fund that has low cost fees not the actively managed ones. I think Vanguard low cost index funds are a good way to start investing. Thank you I will read that Reddit page but it’s a little difficult for me to invest in the US market here in Japan some of the index funds and stocks are not available to buy in my local security company.
I just found out today that my local broker does not offer US index funds like VFIAX or VTSAX it’s so annoying. They only offer ETF like VOO and VTI and common stocks. I need to find a broker that does.
@@rafiky8403 well tbh with you I dont ever plan on selling. My plans are to just to live off the dividends, even in 50 years from now I plan to have the same shares that I am buying now.
@@markjou9799 got ya! im thinking of buying this week after months of research. still have a lot to learn but is it okay to invest say 2k in 2 shares of 2 separate index funds, and let that sit for a while or does one HAVE to consistently invest in it? i dont have a job currently but i have money from a car accident i want to invest a portion of. im on fidelity w a brokerage acc.
Avoid debt, have an emergency fund of 3-6 mths of expenses, keep it simple esp to start. Oh and stay invested! Don’t keep pulling money out. Can’t grow/make millions if you do and time goes by fast!Good luck!
Nikita Parth Investing in something you don’t know about is dangerous. And I am not a mentor, I got a professional broker that handles my trades while I pay him base on percentage bases.
Vanguard funds are best, I have a 7 figure portfolio spread across VNQ, VB, VFTAX,VFIFX, VIGAX, VXUS. Before buying an index fund, investors need to evaluate the risk tolerance, and ensure the fund strategy fit your investment goals...
@@katelynrenesse4798 I don't actually, I work with a full service broker managing my portfolio, her name is Nancy Jane Gluck, she's quite known so you can search to know more if need be and connect with her on her website.
Hey Graham, this is my favorite video. Starting investing in March 2020, now up 39%! Your videos definitely helped me make smart, and not irrational decision! Also started a monthly contribution into a Roth for the long haul based on this video. Fingers crossed! Keep up the great content!
Places like TD charges fees per transaction on all of their mutual funds, which company do you recommend making a rothIRA in? Also Webull doesn’t offer the trade of index funds
" It's going to cost 4 dollars per 10,000 dollars. It's hard to even call this a downside because-" But Graham, $4 in today's money could be worth $88 in the next 65 yrs if you put invest it in index funds :v
Dave Ramsey said it best. People don't retire broke because of the expense ratios/fees. They retire broke, because they didn't save any freaking MONEY! * Not saying you shouldn't be mindfull of them. But that's not the excuse you should should use for being broke.
Graham, curious why you would recommend funds that essentially have the same goal? I was kind of hoping to get your thoughts on more sector specific funds that are also low cost. Regardless, good stuff as always!
It would be a much longer video. Look at diff ‘spaces’ incl solar/wind, batteries, metals, space tech, and biotech etc. Watch doc videos for ideas of geo political/world trends. Then search best ETFs for them. Just takes research and learning as you go. Good luck!
I know you probably wont see this comment, but thanks you so much! Im only 13 but I flip and invest in sports cards, but I decided today that everyweek off profits I would put 10 dollars into a Index fund for the next 10 years! Thanks so much
@@Ivan-qe6nd My douchebag of a property manager raised the rent on me by 120$ during the pandemic... Needless to say I have a new apartment waiting for me now.
You're going to need to skill up first, read up on what jobs pay 20k or more a year in your area and devote your time to obtaining it then you start to think about saving
Hi Graham, or anyone else who can answer this. So I just started a Roth IRA with fidelity and the cash sweep account by default is SPAXX. I see that the 7-day yield is .01% which makes sense, but the "7-day yield with reductions" is -.030%. Can you elaborate as to what this means? I know money market accounts can lose value but this isn't clear. Thank you.
I completely understand promoting this as I believe everyone should learn the importance of investing and need a way to get started that they are comfortable with. However, keep in mind that there are always caveat were free products. Always make sure you double check the fine print and understand that they know she indexes may not be a complete Apples to apples comparison of a standard see index fund or index ETF
Most of the popular ETFs are based on index funds. Mutual funds have pros and cons. ETFs are much more liquid, easier to trade and often lower expense. Shop around.
They are basically the same in terms of growth and holding. Differences: - ETFs are more liquid. - Index mutual funds allow for easy allocation shifting. The only exception for ETFs is M1 Finance's platform. - Most Index mutual funds are not tax efficient, except for Vanguard and their wierd patent.
Hi there. I did an extensive amount of research on these index funds and although I agree these are great mutual funds, I would have to disagree with the rankings here. Vanguard mutual funds VTSAX and VFIAX still hold the edge in my opinion. The reason I say this is that their dividend distributions are quarterly as opposed to semi-annual or annual distributions by fidelity. It's arguable to say that the no fees in fidelity will sort of off set this, but re-investing those quarterly dividends is a bigger win imo. After all, the fees are very nominal anyways. The strong history of low index funds that Vanguard has proven, is still unmatched. VTSAX also has proven to be slightly more tax-efficient over the years on an average as opposed to it's counterparts from Fidelity. This is something to consider if using a taxable account.
very good point about the schedule of dividends. Makes sense tho; I knew there had to be a catch to "zero" net expense ratio's. If fidelity is holding onto the dividend distributions for an entire year, then they get the interest float on that money and the investment power of that money, where as Vanguard as you say is giving that power to the customer on a quarterly basis.
Thank you both for sharing! The dividend distribution is significant when analyzing and comparing options whereas the expense ratio really only affects you once you’ve got at least half a million invested. *most* expense ratios are negligible for beginners
@@redrazirahc9659 Have a look at the price graph, it's still 20% down from all time highs. Plus international investors are still fearful at the moment also because of upcoming Brexit.
@@redrazirahc9659 plus the index lacks any of the typical 'hype' speculative stocks such as Facebook, apple, Google that are extremely over stretched right now
I sometimes use my ETFs to buy dividend and growth stocks for diversification instead of reinvesting in the same place. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important. Salute for the content!
The current market might create short-term opportunities to maximize profit, but in order to execute such strategy , you must be a skilled practitioner
Or better yet, have one.. For several years, I've been in touch with a coach, mostly because I lack the depth of understanding and mental toughness to deal with the ongoing market conditions. You lack the information necessary to succeed in a competitive market, not because you're doing anything wrong, but rather because of your lack of experience.
That does make a lot of sense, I'd love to sit back and have someone who has the Market figured out guide my decisions. Who is this consultant?
Sonya Lee Mitchell’ is the CFA I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I searched and found her page, emailed and made an appointment to talk with her. Hopefully, she gets back to me.
#5: VFIAX 3:26
#4: VTSAX 6:06
#3: SWPPX 7:37
#2.5: SWTSX 9:05
#2: FIAX 9:36
#1: FZROX 11:47
Alex Ontiveros thanks!
Thanks for saving me 15mins
You forgot #1.5 FZILX 10:47
Thanks but he put a bookmark on the video already so its easy to skip the unwanted.
If you're confused with #2, it should be FXAIX. Even the video has a typo.
Inflation depreciates idle money. I'm in a privileged position to be able to save almost 65% of our net household income, as I placed it on safer investments. The key for us was not spending beyond our means. If you invest and have other sources of income outside of dividends then you will be able to live off dividends. Got north of $520K in my portfolio as I bought a lot of dividend stocks before, I'm buying more now, and I will buy more when it drops further.
The main problem is that most folks don’t care about anything other than football, Basketball and Music etc. They find it normal to take credit card debt which will cost them 20% per year but considers it risky to invest their money and make 10% or more per month. Learning to avoid high interest debt while also learning how to put your money to work for you by investing is a very powerful combo.
The one effective technique I'm confident nobody admits to using, is staying in touch with an Investment-Adviser.
Starting out with a professional that knows the ropes of the choppy but profitable market is the best way to achieve getting a well structured portfolio. That’s why I have been working with 'MARGARET ANN WARNKEN" because in financial dealings one has to be prudent. Most traders enter and exit with a quick 10% profit which is not bad in general opinion but why not make more of the opportunities presented?.
She looks the part. MARGARET really seems to know her stuff. Out of curiosity i looked her up, found her web~page, and decided to read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her.
@@mayacho4910 I wasn't really recommending her, but i'm glad i was useful, best of luck.
Dividends from SCHD are typically taxed at the qualified dividend rate, which may be lower than ordinary income tax rates for many investors. However, the main focus for markets now is Nvidia, which has powered a large chunk of the S&P 500’s recent earnings.I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
This is definitely considerable! think you could suggest any professional/advlsors i can get on the phone with? i'm in dire need of proper portfollo allocation
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
" 200 $ can buy you two 100 $ bills"
Graham Stephan, 2020.
Passive income is the best way to achieve financial freedom... Investing into different portfolios is the best decision I've made.
Reminds me of a year when I was so broke that I could barely pay my bills. I remember the most important step in my life when I invested my last income with an experienced Forex trader who was recommended to me by a friend. It may seem a bit, but it took courage to know that investing was the right thing to do at the time. Today my small investment of just $ 300 generated over $ 150,000,After I kept Investing and reinvesting. To be successful, you must take a big step. It all starts here.
@@rossi2225 gtfo scammer
@@rossi2225 I had a similar experience to yours. My investment in forex trading saved me from financial burdens after losing my job. Forex trading is very profitable when you have a good Forex trader.
Forex trading is very profitable. When you have a professional forex trader who is good at what he does, your profits can increase by more than 100%. My investment in the forex market bought me the house of my dreams.
True! Investing in Forex is very profitable. Last year I made over $ 45,000 off my investment in Forex.
We work for years to have , $1million while some people I know put thousand of dollars in some meme coins and they are millionaires.
@Carol M. Anders .All you have to do as a beginner to make good profit in cryptocurrency is trade with a professional trader who Will always notify when to BUY/SELL else you make losses.
It's strange how people talk about all the returns and earns they have been making through trading cryptocurrency. While am here making huge loses. Please can someone put me through on the right paths.
I do trade with with Mentor Derek Mia Scott a regulated Mentor I met her sometime early last year at a start-up funding event. She has some interesting she had some interesting to say about the state of algorithm trading today. Obviously am seeing the results
@@jameskourygabriel4973 .Excellent buddy how good are your earnings and do you have any recommendations or suggestions
@@stephaniea.mitchell8034 .Well I earn $10,740 at the end of each trade cycle depends on what I put in and it has been so good so far
Smashed the like button. Please don't tell Mr. Kevin! Meet Kevin seems like a nice guy, I don't want him to get mad at me.
Wow!!! Thank you so much, didn’t know you watched the channel - welcome!! :)
Review Brah and Graham in one comment section, this is awesome !
Graham Stephan whaaaat. The crossover we need to see
@@GrahamStephan I've been lurking for years. So ... Yes. Thanks for the great videos!
That’s incredible! Thank you! I’ve been lurking your videos for years, too - crazy how our paths crossed! If you’re ever in LA, it would be my treat to wherever you wanted to go 🍔
Year-over-year inflation stood at 6.5% in December 2022-the lowest that figure has been in more than a year. Inflation was in line with what economists expected and gave many of them a reason to believe that the peak of inflation may be behind us. I have approximately $150k stagnant in my port_folio that needs growth. What is the best way to take advantage of this downturn?
you’re right! The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner
So glad i began investing while in my second trimester of birth. That is the key to my financial success.
It’s all about time in the market not timing the market!
@@marcosluna7792 I believe thats what my mom would sing to me at night, but the memory is foggy...
I cant like its at 69
2nd trimester is why you're only in the upper/middle class. If you want to be elite rich you need to be all in before the positive test is confirmed.
While you were in the womb? Wow!
This guy is really doing God's work on youtube. These are the things school should teach from junior highschool and up but wont because the system doesnt want us financially independent. Thank you
Indeed. Amen.
@@sharpemang I mean, i do agree and think he's a nice guy in general, but he's definitely getting money out of us... In fact, quite a bit. He has an interesting vid on just how much he makes from youtube a year (a ton). But he puts a lot of work into it and it's a genuinely good thing he's doing
they want you poor.
Doubt God is that interested in making a bunch of money. But I get your point.
*Cough* High school elective *cough*
Yay, I am glad I chose both #1 index funds right when I started working at the age of 24. I put them both in my Roth IRA and automatically add a few hundreds each month. Early retirement here I cooome
I prefer having Index Funds only to my 401 or 403 Retirement account since those are the only good choices anyway.
My Roth IRA is on Dividend Aristocrats, specially Dividend Kings since they can provide more returns than Index Funds.
If they can give free money for 25 or 50 years, I do not believe there is a risk on it.
I’m glad I found this early enough , I was born yesterday.
😂😂😂😂
Nice.
I’m dead😅😂🤣⚰️⚰️⚰️
Lmao
😆😆😆
The biggest question for me is how i stop checking them everyday
Treat it like a savings account and make sure it’s not full of your emergency funds
I need help on this too
Pretend you don't have them.
Delete the app on your phone.
That's not the problem. Experts advise not to check them so you don't freak out if the market drops and sell out. If you have your emotions in check you'll weather the storm long-term.
So glad I found this at 5 years old
Ken Smart 😂😂
LOL
13
Best early than late~
Get into real estate so you can retire at age 15.
Fact: My day always gets better after smashing the like button for the TH-cam algorithm
Success is about focusing Your energy on
what creates results and using what you
already know
You are right sir
But I don't know why people remain
poor due ignorance
It's not ignorance but
unprofessional broker in the market
So investing in it wouldn't be a Bad idea
I totally agree with you, the stock
market is the most profitable venture
ever invested in, I reached my goal of
$500k yearly trade earnings. Setting
realistic goals is an essent... Read more
Don’t mind me, just commenting for the TH-cam algorithm.
Would like but the likes are at 123
If I can get 5000 of you, I'd be set lol
When graham makes his 1st crypto buy video then I know we are nearing the end of the market cycle “mainstream”
I'm still waiting for it.
You don't even know how right you are
Haha and it happened! 😂
Minor correction, the Fidelity ticker symbol for the S&P 500 index is FXAIX (not FXIAX). I own shares of that index. But it is a great index. I thought about selling those shares to buy into the Charles Schwab index. Mainly because I wanted double the shares, but I'll stick with Fidelity index. 😁
I invested about $250k some years back into ETFs which makes me about $20k monthly ROI still the best way to build up
how so? I mean invest for profits because I have never done it before although back then I had friends trading stocks and making money but it was never my thing
@@jidaloida106 I use the service of a fiduciary under a great brokerage, that is the most effective way I have known
Stocks is a great investment and way to create multiple income sources from the proceeds, I have been in the market for years now and I have made my fair share of wealth over time
@@denisegar2327 great, who is your fiduciary and please can I have his number so I can reach him as well
@@denisegar2327 who is your fiduciary please I will like to start with him
*Rich people plays the money game to win.* *Poor people plays the money to not lose.* *The goal of the truly rich people is to have massive wealth and the poor sees a surplus as an opportunity for consumption instead of investing it.* *change your mindset and do what the rich does,* *which is investing,* *investing and investing.*
That's right sir.
Investment should be what every wise person should engage in.
Yeah. Poor people plays the game not to lose because they don't have much to lose on the same game.
So they have to be sure
@@patersondavis3858 lol that's true.
What I do is invest into ETFs and blue chip stocks but I like to focus on ETFs that mirror the performance of a major index like the S&P 500 for good ROI monthly and long term
I said I was going to get into index funds this yr but haven't really wrapped my head around it...do you do this on your own ?
I’m new to all this, What are the advantages of ETFs?
@@mitchsapastein5593 instant diversity, liquidity, tax efficiency too
@@emilyhowe3359 I don't actually, I work with a FA managing my portfolio, her name is Susan Kay Mack, she's quite known so you can search up to know more if need be and connect with her on her webpage.
So I bought my WeBull stocks via your link, and I'm new to investing but fascinated by it. Would you please do a video about the best places to research stock market valuations per individual stocks/index funds, and future predictions. I understand you research a lot about the company before you buy, but I'm wondering what the best websites/companies are to find the most accurate data/analyses to make a decision about which fund/stock to choose for long-term investing. If you would make a video about that, I would watch it a few 100 times a day without skipping the ads. If any knows about valuable resources to find data about stocks and predictions (besides the stock market) please comment below!
td ameritrade and yahoo finances are great resources. td ameritrade has the bonus that they are also an invesment firm and have a lot more tools than say robin hood. (idk how to use them though im also brand new my advice is not professional)
I subscribed after 8:18. Sound advice with a good sense of humor.
Just invested my first $1,000 into VTI! I’ve been wanting to invest for years (not counting my Roth) but have been too scared to pull the trigger. Thank you for all the information!! 😊
How is it going for you now?
Also curious how it's going for you
Also Curious how is it going for you now??
Still curious how it's going for you now.
It’s currently sitting at $1,616.30! Wishing I invested more lol I put all my dividends back into it too
The two index ETFs I have held and invested in for the past 20 years have been the SPY and QQQ.
Thanks for the feedback.....for more information *+1/6./1./.7../4./..6./..5./..5.../3../4../7*
W •H•A•T•S•A•P•P.••••M•E 🔅 🔅 🔅 🔅 🔅 🔅......
Doing good?
SPY has a "risk note" that was not there a month or so ago. Take a look.
qqq seems ok
Might be wrong here.
But when you run the numbers, Vanguard's tax efficiency makes up for the expense ratio when compared to the free funds from Fidelity.
That is pretty interesting.....
What does tax efficiency mean
I have been actively researching for about five weeks into investing for the first time. I have been watching CNBC four hours while working at home and trying to learn all the technical jargon of all those talking heads. It is very educational. It is there that I heard mentioned index funds. But, until I watched your video clip did I really get the full picture. I just finished watching a video of Warner Buttfet talking about index funds and he said something very telling: "Grow with America,
the USA has again and again outperformed all countries technologically and economically, and I believe will continue doing so for decades to come".... I think I will go with that and tomorrow call Vanguard to invest in the VFIAX and the VTSAX. Thanks for your info!..I hit the like button and now I'm a subscriber.
Spoiler: just invest in the broad US-Market and pay the minimum
Fidelity is great! btw the #2 has a typo. The correct symbol is FXAIX.
"Vanguard has a fairly unique structure in terms of investment management companies. The company is owned by its funds. The company’s different funds are then owned by the shareholders. Thus, the shareholders are the true owners of Vanguard. The company has no outside investors other than its shareholders. Most of the major investment firms are publicly traded." -John Edwards
U must work for them
And?...
My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless
May I ask which stocks are good? I've been looking at a few different ones but want others' opinions as well
what i think you need is a Financial Adviser, who can help you get in and out of any stock you buy at any time and you'd sure be in Profit
who would you recommend?
MARISSA SAPONARE, That's whom i work with
i have seen loads of news of Marissa Saponare on the internet, she must really be that good for she to be talked about in such a way..,is MARISSA SAPONARE on youtube? please how do i reach her
So glad I found this at 20
@Minenhle Dlamini im baby fetus
Show off... Said this 40yr old 🥺
Congratulations to you. Future is bright.
Do you invest in index funds?
Also 20, started investing in stocks the day I turned 18
When you invested $1,000 two weeks ago in the #1 best index fund according to Graham 👀 😆 💅🏾
Now just put in more and more and do not take out anything for a loooong time👌🏻
@@abcde1054 that's the plan!
Max Payne right on! As true as any statement. If you’re in no hurry to take funds out and dollar cost average as you go you can’t really lose
What did you invest in 👀
What app do you guys use to invest into?
Just to point this out... the fidelity S&P500 index fund is FXAIX not FXIAX.
I noticed that too
Yet I would pronounce those the same way. Weird.
Facts! A lot of newbies lack proper knowledge about the stock market.
Can you list those knowledge you're talking about here?. I appreciate
As a beginner, one of the best ways to to about it is by investing with a stock broker to guide you through and work on your investing tolerance.
@@greggarciamarquez6051 Managing risk when trading
Trading in volatile markets
Using technical analysis
Trading Strategy
Having a good entry and exit strategy
@@cleoleandre7050 is bianca on youtube this stock stuff sound confusing?
Maybe one day I’ll get to be as old and wise as you Martha. Just maybe...
In my calculations I should have made enough to retire by the end of 2020 but oh well, I only ended up liquidating over $350K worth of assets and I'd really start investing again, any advise for me?
If you invested in digital currencies awhile ago, you'd have retired by now.
It is a great idea to get back into the market, but I'd suggest just get in touch with a consultant or broker, that way you stay afloat the market craziness.
@@cellardorberwick9714 Could you be kind enough to suggest a broker or maybe even one you use.
@@bless9313 'Juliana Ruth Stoddard' is the consultant I use and you can reach her through the internet, just look her name up.
@@cellardorberwick9714 Thanks, I just checked her out, she seems quite reputable, how good are her services?
Few additional notes: VTI vs VTSAX. With VTSAX bought directly from Vanguard, there's no bid/asked spread because as a normal no-load no transaction fee index fund, it doesn't trade on the exchange. So by hair splitting, that may matter more than the .01% expense ratio difference. If you had a VTI, you will pay for the spread every time including reinvestment of dividend even if you used a zero commission broker because it is trading on the exchange. Many funds now are involved in security lending which is a scheme to loan your stocks contained in the fund to short sellers temporarily. The revenue generated from that lending activity is sometimes not returned at all to the fund itself but in the case of Vanguard, 100% of the revenue generated from that lending fee is returned to the fund and no, that doesn't show up in the expense ratio figure. This might be bigger than the difference between 0.04% expense ratio and 0%. Since Vanguard Index fund and ETF shares are the same exact fund with different share class, the index fund can benefit from ETF's tax efficiency of creation units being traded from authorized participants purging low cost basis shares which in turn reduces the odds of capital gains distribution. That last one is important enough that in a taxable account, I would not recommend non-Vanguard Index fund over others like Fidelity FZROX. If it is in a retirement fund, it might be closer to a wash because of the security lending revenue sharing but time will tell. For HSA, Vanguard doesn't offer a free personal HSA like Fidelity so I'd pick Fidelity. But for most other cases, I'd pick Vanguard even if it looked like a wash because their history in driving costs down while other companies are profit driven.
I started buying SWPPX now as my first index fund, I will eventually move up to VTSAX
I feel investors need to be focus on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
The availability of opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember years ago when I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k
This is definitely something I will consider! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation
Her name is “Sharon Marissa Wolfe’” can't divulge much. Most likely, the internet should have her basic info, you can research if you like
I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
While most of the higher ranked funds pay annual dividends, the lower ranked (Vanguard) ones are quarterly. I would think that with the power of compounding that the more often dividend would outweigh the 0.00% expense ratio. Perhaps a follow up video to put this to the test?
not by much, year 20 with compoundo 0,416666 monthly vs 5% yearly with month deposit of 100€. monthly 41k yearly 39k
@@Hokou do you know why the big price difference between Vanguard and Schwab and Fidelity if they are the same basic funds. Also do you see any difference buying direct from them or from a broker like Merrill.
Hey Gram, I’m 20 and you’ve given me the courage to open up my Roth IRA in fidelity. Thank you for the value you give to the market place
Yes! So proud, all of my Vanguard and Schwab index funds are those you mentioned. You've taught me well, sir.
The amount of time we spend believing we can't is more than enough time to learn how you can.
-my brain
You are absolutely right 👍
💯💯💯
Investing in in crypt0 is very c00l, especially with the current rise in the market.
@@williammac5862 Some people are so poor that all they have is money.
@@williammac5862 I really don't know why people still remain poor out of ignorance.
at 11:04 You are showing a graph of "International Paper" vs S&P /w Dividends. International Paper is a company.
@karl bellve. Good eye!
5-FIAA $3k minimum
4-VTSAX $3K minimum
3-SWPPX no minimum
2-STSWX no minimum
1-FXIAX no minimum
0-FZROX no minimum
Which one seems more worth it?
Which one should we invest for long term inevestment
VTSAX ...
Graham you smashed index funds.I just literally understood everything you taught am inspired to to invest in index funds.
Index fund is the way to make sure your money go up, but I believe individual stocks are what make you rich.
@Paul nah, that is the way to not lose money. All about how willing we willing to take risk
@Salad Stick That is the way if you don't wanna track what happening. I swing trade and investing in companies that have potential.
I get an absolute kick out of Graham talking like an internet troll! “but Graham!” *types aggressively*
YES!!! lol so true
You can’t rate a fund based on just min investment required and it’s expense ratio. You missed the main ingredient called “returns”. It would have been better if you showed their historical returns while comparing.
Yeah, I'm not putting my savings into an index that is about to go negative for 10 years, this dude doesn't warn you your money is essentially lost until the market goes back up
@@jimmycakes7158 Why are you investing if you're looking to use the money in a short time span? If the entire market goes down you have biggie life problems.
You left out the dividend yield. For example FNILX pays 1.10% annual dividend, but has a 0% expense ratio However Schwabs SWPPX has a current dividend yield of 1.70%, with a 0.02% expense ratio. On a $100k account held for 1 year, you would get $1,680 from schwab, but only $1,100 from fidelity. These of course fluctuate with the market YOY but the average on SWPPX is higher. Also it was incepted in 1997 vs FNILX inception in 2018
Would love a little advice. Let’s just say there was $50,000 sitting in a Roth IRA that needs to be invested, how many index fund should be chosen? How much money should be initially invested? And how much money recurring payment should be made to that fund? For the best return?And finally which of these mentioned index funds would you choose?
There's no one right or wrong answer. You could lump sum it all at once, or you could dollar cost average into it over time. It's just up to you how you want to deploy your funds. As for what fund, I would just go with an S&P 500 index fund.
You can put $20,000 into S&P 500 and put the $30K into three different index funds, if you want. I will not do that though. I will put the remaining $30k into small and mid cap funds - that is what is called proper diversification. Putting all the $50k into three different index funds is not proper diversification, in my opinion. However, the choice is yours. Please do what will make you happy.
Another informative and valuable video! Love the cookie sample box example!! Smashed that like button 👍
I'm so happy 😊 my life is totally changed. I have been earning $30,000 returns from my $3000 investment every one month.
My first investment with Mr Alex Donaldson gave me profit of over $24,000 US dollars and ever since then he has never failed to deliver and I can even say he is most sincere broker I have ever known.
If one opens an account with M1 finance you can auto invest as often as weekly in fractional shares of VTI and VOO and any other ETF.
This should be top comment
Another bit of advice, fellow investors! Note that ETF alternatives tend to have slightly better SEC yields and lower expense ratios, especially on vanguard!
So can we use Public to invest in some of these index funds? If not, are there any index funds we can invest in using Public and what are your top suggestions?
📍Thankss~~~~
it'd be a cool follow-up to the Kevin O'leary videos by reviewing his O'Shares funds
I'm almost 19 years old. I'm so glad I found this corner of TH-cam so I can avoid the rat race and actually enjoy my life. I already got the frugal part down.
You and me are in the same boat man
I wish I started when I was 19
lol avoid the rat race? good luck with that, even with a roth ira you still need to work your way up somehow
@@valerietan9304 how old are you rn
The only way to avoid the rat race is enjoy what you do. If you think being rich and retiring is the goal your still in the rat race.
Nice rundown on index funds. Personally, I'm invested at Vanguard - I started a couple of years before Fidelity started offering their free index funds and I don't have so much money compounded that I feel the need to switch over. I like the fact that Vanguard is structured the way it is and there's also the possibility that one day Fidelity will decide that offering free index funds is a business model that no longer works and go back to charging a minimal fee to administer them (which negates the point of switching in the first place). If I wanna save the extra couple hundred dollars, I'll find somewhere else to cut - like making iced coffee at home, perhaps?
5:08 I disagree, it does make a significant difference. Assuming investors are investing for the long term, a few dollars over several years can add up to several thousands. The sole purpose in DIY investing Is to maximize profits by limiting commission, fees and expenses. Overall good review.
I’m not good doing it alone but getting into the market has been my best decision so far in my road to financial independence as it turned out lucrative for me.
@Prisilla OK The best strategy to use in trading is to trade with a professional who understands the market quite well, that way maximum profit is guaranteed
@Prisilla OK I highly recommend Mrs Amanda Maxwell, she is my current trader and her strategies are working
@@maxi-b3v I'm amazed you mentioned Mrs Maxwell, she is the best and her strategies works like magic. I've been making over 300% of my investment weekly since I started investing with her trading service.
@Prisilla OK TE LEG RAM
@Prisilla OK TRAD ING _ WITH _ A MAN DA
I keep wondering why people save with the bank when you can easily Invest it in bitcoins while it grows more profit, Evelyn .T. Hills is an expert trader and her strategic method of trading works perfectly well.
I'm currently achieving success investing in bitcoin because I read through a post on bitcoin & how to get started with the help of an expert Evelyn T hills
Is she legit, can she be trusted?
Yes she's legit also an expert and I have been earning from her platform.
Investing in btc now is really good especially with the current growth in price of btc in the market now.
The global pandemic shut many financial institutions from functioning thereby rendering most people jobless & investors lost more than they ever thought of losing.
The best decision I ever made in my life was investing in financial market. Trust me guys, it pays!😊
@Johnson Bull Are you a broker?
@Johnson Bull Wow you too know her😊
Got linked up to her on a conference meeting held at UK at UCLA Anderson financial institution, and ever since then she has changed my financial status for the better..
+4 •4 •7 •8• 6 •8• 7• 3 •5 •0 •7 •5..🇬🇧
Hit her up on what$∆PP👆
Great video. For a long time, I have been watching the Fidelity zero expense ratio funds versus Vanguard. The dividends given by the Fidelity zero expense funds are less than VTI and VXUS. The higher dividends on VTI and VXUS will more than pay off the expense ratio. I feel VTI and VXUS have higher returns at the end of the day. It would be great if you could do a video on comparing the returns of popular index mutual funds or ETFs taking into account both the expense ratio and dividends. I love your TH-cam channel!
I’ve always been a fan of the vanguard index funds. The tech ETF (VGT) has given me so much in return since the beginning of 2019. Great video
thanks!
Excuse my ignorance but How is VGT profitable when their dividend yield is 0.89%???
Richard Mercado it’s the growth
@@TheStellarmanCo. you usually don't make much money on dividends you make it on appreciation.
Richard Mercado They make up for it with high valuations
Index funds are so much better than individual stocks, if you pick the right index, you have a very high chance to become rich on the long term!
100%
Talking about investing watch my video man, gotta get some feedback on my shitty videos
@@GrahamStephan watch my videos man
Single stocks an make you wealthy..
@@lionheart93 Of course they can, howerver, index funds are less risky and are a no brainer!
Hi Graham, when you say expense ratio = 0.00%. Does it really mean NO fees to hold? Like the only fee incurred is the brokerage commission if we buy in?
Hi. I am a Fidelity Investment holder. I just want to make a correction. Their ticker for their 500 Index fund is FXAIX.
I’m already invested in the #2! I now feel good about myself😂
how is it going for you?
@@dukev9336 pretty good I have kept putting money in👍
Financial education should be taught in every level of education but because of the misplaced priorities we have in the system, the average man is suffering it, I am a beginner who is seeking for advice,I want to start trading this year
@@pablosilva5559 Indeed the best way begin is to start is to get professional, it's never too late to invest in the market but as a fresher reaching out to a Stock broker will be your best bet.
@@linacui667 You are very right, I was just like Jess when I started some months ago, I got to hear about one professional on this same platform, contacted her and now I don't really need to stress much about work any more and now am even thinking of opening my own space.
@@jennifergreen2169 I am really happy to have the 3 of you here to assist me, at least one of you can show me the ropes or at least guide me.
@@jayjessicahudson9601 I don't mentor investors, I have a financial consultant Amelia Babasa Wood, who handles my portfolio(s) and I have been perfecting my strategy with her educational materials.
@@linacui667 Okay, How do I contact her
I don't have much else to say besides "thank you so much." This has been very eye opening!
This is one of the best videos you have made in the format of lists. Funny enough, I've invested in three of the stocks on this list!
@Graham Stephan Fake account lmao
Just wondering, why not VT (Total World Index Fund)? It's more diversified than VTI as it includes non-US developed and emerging markets, for a low expense ratio as well. Thanks for the informational video!
I love it when graham mimics the commenters in the grey
VTSAX and chill > Netflix and chill
Or VTI & Chill 😊
But with index fund do we have to set up an automatic reinvestment? Or is it okay not to? What if there are months I don’t have enough money to invest in the index fund?
@@orangemountain457 hey thank u so much for replying. Thanks for clearing this up. Yes I meant the automatic contribution. I have started investing with ETF but now I’m considering investing in index fund but I live in Japan but I do know that Americans can use their 401k and Roth IRA. That’s a really nice move if u don’t want to be paying a lot of taxes.
@@orangemountain457 thank you for replying. Yes but I am interested in the traditional index fund that has low cost fees not the actively managed ones. I think Vanguard low cost index funds are a good way to start investing.
Thank you I will read that Reddit page but it’s a little difficult for me to invest in the US market here in Japan some of the index funds and stocks are not available to buy in my local security company.
I just found out today that my local broker does not offer US index funds like VFIAX or VTSAX it’s so annoying. They only offer ETF like VOO and VTI and common stocks. I need to find a broker that does.
@@orangemountain457 I know I have bought a few of them but I want the traditional index fund.
I buy 1 share of VTI and 1 share of VGT every Friday.
Great strategy. In a few years it will have grown nicely :)
why on friday? i thought we were supposed to buy closer to monday and sell closer tofriday
@@rafiky8403 well tbh with you I dont ever plan on selling. My plans are to just to live off the dividends, even in 50 years from now I plan to have the same shares that I am buying now.
@@markjou9799 got ya! im thinking of buying this week after months of research. still have a lot to learn but is it okay to invest say 2k in 2 shares of 2 separate index funds, and let that sit for a while or does one HAVE to consistently invest in it? i dont have a job currently but i have money from a car accident i want to invest a portion of. im on fidelity w a brokerage acc.
@@rafiky8403 yes you can buy at your convenience. You can buy it one time and let it sit for as long as you want.
As someone who is super junior at investing, thank you for all the info!!
Avoid debt, have an emergency fund of 3-6 mths of expenses, keep it simple esp to start. Oh and stay invested! Don’t keep pulling money out. Can’t grow/make millions if you do and time goes by fast!Good luck!
@@jmc8076 what does esp mean? Thanks
"It is not necessary to do extraordinary things to get extraordinary results."
- Warren Buffett (on Index Funds)
Graham I think your #2 FXIAX should be FXAIX. Thanks for the video... and I smashed that Like button for the TH-cam Algorithm.
Wow, Graham your the source of my winnings, You always deliver. I know my broker won’t hesitate to pick them.
I am really new to this, I have saved up $7550 and I want to go into stock or forex. Would glad if you can teach me, I am open to learning.
Nikita Parth Investing in something you don’t know about is dangerous. And I am not a mentor, I got a professional broker that handles my trades while I pay him base on percentage bases.
Ann louis How I reach him, would be glad if you can assist me with mobile number.
Ann louis how can reach you? Want to be a friend.
If you into forex, stocks or mutual funds and wish to start making profits. Reach out to Mr Antoni Jakub on email below
Extremely thankful I found this at 27 👏🏽👏🏽👏🏽👌🏽💯
Vanguard funds are best, I have a 7 figure portfolio spread across VNQ, VB, VFTAX,VFIFX, VIGAX, VXUS.
Before buying an index fund, investors need to evaluate the risk tolerance, and ensure the fund strategy fit your investment goals...
I’m new to all this, What are the advantages of ETFs?
I said I was going to get into index funds this yr but haven't really wrapped my head around it...do you do this on your own ?
@@benharrop6157 instant diversity, liquidity, tax efficiency too
@@katelynrenesse4798 I don't actually, I work with a full service broker managing my portfolio, her name is Nancy Jane Gluck, she's quite known so you can search to know more if need be and connect with her on her website.
Rewatching videos like the first time. Just waiting for the smash the like punchline. Happy Saturday. 😉
Hey Graham, this is my favorite video. Starting investing in March 2020, now up 39%! Your videos definitely helped me make smart, and not irrational decision! Also started a monthly contribution into a Roth for the long haul based on this video. Fingers crossed! Keep up the great content!
Which one did you invest in?
I’m already holding the top 3 on fidelity. So glad I’ve found Graham, dudes a life saver
Which ones are they if you don’t mind me asking because he mentioned 4 fidelity funds in his top 3 (FXAIX, FZILX, FZROX and FNILX)
is fidelity free?
@@juicycs yeah
@@raikou25 I actually got all the ones you listed. To diversify my portfolio
@@7StarHeryla Do you buy 1 time this index fund or do you keep adding more money into them?
I legit raised my hand lol. Thanks graham. I have a similar video on mine. I also call etfs a basket of stocks 😂 you’re the man!
That's awesome!
Places like TD charges fees per transaction on all of their mutual funds, which company do you recommend making a rothIRA in? Also Webull doesn’t offer the trade of index funds
@GRAHAM STEPHAN would the best way be through your email?
Fidelity. He said it in the video.
" It's going to cost 4 dollars per 10,000 dollars. It's hard to even call this a downside because-"
But Graham, $4 in today's money could be worth $88 in the next 65 yrs if you put invest it in index funds :v
Dave Ramsey said it best.
People don't retire broke because of the expense ratios/fees.
They retire broke, because they didn't save any freaking MONEY!
* Not saying you shouldn't be mindfull of them. But that's not the excuse you should should use for being broke.
Graham, curious why you would recommend funds that essentially have the same goal? I was kind of hoping to get your thoughts on more sector specific funds that are also low cost. Regardless, good stuff as always!
Hey Jared I’m interested In some of ur knowledge
@@tristianmann2374 I don’t have that much which is why I’m a content consumer and not a creator ;)
It would be a much longer video. Look at diff ‘spaces’ incl solar/wind, batteries, metals, space tech, and biotech etc. Watch doc videos for ideas of geo political/world trends. Then search best ETFs for them. Just takes research and learning as you go. Good luck!
If you could make more videos like this, I would greatly appreciate it! Thank you so much. Love you!
I know you probably wont see this comment, but thanks you so much! Im only 13 but I flip and invest in sports cards, but I decided today that everyweek off profits I would put 10 dollars into a Index fund for the next 10 years! Thanks so much
Index fund investing is easy and simple, thanks for the video! Definitely own a few of these👌🏽
Did u make any profit from it? How much did u invest btw?
@@Furiousito I wanna know too lol
I'd love nothing more than to retire at 30. I'm 23 rn and broke as hell, thank you for making this video and doing what you do.
Me too it seems every time I have 1k or 2k saved up something comes up that costs that much
@@Ivan-qe6nd My douchebag of a property manager raised the rent on me by 120$ during the pandemic... Needless to say I have a new apartment waiting for me now.
@@daedreaming6267 good luck man
@@Ivan-qe6nd Thanks. :)
You're going to need to skill up first, read up on what jobs pay 20k or more a year in your area and devote your time to obtaining it then you start to think about saving
Hi Graham, or anyone else who can answer this. So I just started a Roth IRA with fidelity and the cash sweep account by default is SPAXX. I see that the 7-day yield is .01% which makes sense, but the "7-day yield with reductions" is -.030%. Can you elaborate as to what this means? I know money market accounts can lose value but this isn't clear.
Thank you.
I completely understand promoting this as I believe everyone should learn the importance of investing and need a way to get started that they are comfortable with. However, keep in mind that there are always caveat were free products. Always make sure you double check the fine print and understand that they know she indexes may not be a complete Apples to apples comparison of a standard see index fund or index ETF
📍Thankss~~~~
I love ETFs because they make me a lot of money. I have to look into these index funds! Happy to support!
Most of the popular ETFs are based on index funds. Mutual funds have pros and cons. ETFs are much more liquid, easier to trade and often lower expense. Shop around.
They are basically the same in terms of growth and holding.
Differences:
- ETFs are more liquid.
- Index mutual funds allow for easy allocation shifting. The only exception for ETFs is M1 Finance's platform.
- Most Index mutual funds are not tax efficient, except for Vanguard and their wierd patent.
@@LoanwordEggcorn Thanks!
@@akin242002 Thanks!
Hi there. I did an extensive amount of research on these index funds and although I agree these are great mutual funds, I would have to disagree with the rankings here. Vanguard mutual funds VTSAX and VFIAX still hold the edge in my opinion. The reason I say this is that their dividend distributions are quarterly as opposed to semi-annual or annual distributions by fidelity. It's arguable to say that the no fees in fidelity will sort of off set this, but re-investing those quarterly dividends is a bigger win imo. After all, the fees are very nominal anyways. The strong history of low index funds that Vanguard has proven, is still unmatched. VTSAX also has proven to be slightly more tax-efficient over the years on an average as opposed to it's counterparts from Fidelity. This is something to consider if using a taxable account.
very good point about the schedule of dividends. Makes sense tho; I knew there had to be a catch to "zero" net expense ratio's. If fidelity is holding onto the dividend distributions for an entire year, then they get the interest float on that money and the investment power of that money, where as Vanguard as you say is giving that power to the customer on a quarterly basis.
Thank you both for sharing! The dividend distribution is significant when analyzing and comparing options whereas the expense ratio really only affects you once you’ve got at least half a million invested. *most* expense ratios are negligible for beginners
Fidelity's paid versions (FXAIX-S&P 500 and FSKAX-Total Market) also use a quarterly dividend distribution but are cheaper than Vanguard
FTSE 100 is one of the most undervalued indexes at the moment
why is that?
@@redrazirahc9659 Have a look at the price graph, it's still 20% down from all time highs. Plus international investors are still fearful at the moment also because of upcoming Brexit.
@@redrazirahc9659 plus the index lacks any of the typical 'hype' speculative stocks such as Facebook, apple, Google that are extremely over stretched right now
Agreed. All new monies I’m putting in is going towards the UK market. Once it’s recovered I’ll start with my world indexes again.
AMERICA FIRST 🇺🇸
You by far the best to explain Index fund
I listen to few did not have a clue of what they talk about and how it works but was so interested
Thank you