How To Become A MILLIONAIRE Investing £10 PER DAY!

[@TheHumblePenny]

Let's make this more fun - Who believes that they can actually become a millionaire one day?? By what age do you want to see that happen?

[@MzCarterOG]

By the time I’m 40 I would like to see that happen I’m tired of answering to ignorant people at work. I’m 31 lol

[@samanthahardy9903]

If someone had £250,000 and moved to another country, depending on the exchange rate, that person could be a millionaire in the country they move to!

[@TheHumblePenny]

Good thinking! :)

[@TheHumblePenny]

I get the work thing. Are you already saving and investing?

[@petejames4672]

When did you become a millionaire using this method ? 😁

[@FreeyourFinance]

A really powerful message, Ken. The power of compounding growth, the 8th wonder of the world!

[@TheHumblePenny]

Much appreciated 👊🏾

[@vincentcoachman3659]

The wisest thing that should be on every individual's list is Investing in different streams of income that don't depend on the government to bring in money especially now the pandemic is hitting the economy pretty hard.

[@fredrickken3151]

You are absolutely right about that 👍

[@fredrickken3151]

Investments are the stepping stones to success

[@jeffking3910]

You talk like the government has ever cared about us, waiting for the government is a big big waste of time.

[@anitacampbell446]

Investing is good but investing in the right thing is the actual key to success

[@anitacampbell446]

There are so many investments out there but if profit must be considered, then not all investments are good to go into.

[@UselessAtBest94]

Thanks Ken! Love your content and since watching your mortgage over-payments video, my partner and I have committed to bringing our mortgage down, currently from 30 years to just 12! Now we just need to find some more money to invest for an even brighter future!

[@TheHumblePenny]

OMG that's incredible! 30 years to 12 years. I bet that's very motivating, right? Grab our free passive income ebook for extra income ideas: thehumblepenny.com/passiveincome

[@UselessAtBest94]

@@TheHumblePenny Insanely! Keeps us working hard. I will have a read over that ebook now too, thank you!

[@SwahiliSpicE]

You’ve literally just laid out what I learned in my Financial Management class at uni but put it in a way that’s practical and less complicated. I really need to start investing in a diverse range of fincial instruments. Love your enthusiasm, it really makes you a joy to watch and listen to.

[@dsjmentor9767]

Love the concept of delayed gratification. Great video as always Ken 👌🏾📈

[@TheHumblePenny]

Much appreciated!! 😀

[@ThePersonalDevelopmentJourney]

Great illustrations showing the power of investing and compounding Ken. Becoming a millionaire is easily doable for most people if they follow this strategy!

[@TheHumblePenny]

Cheers, Ben! :)

[@thewealthwarren6940]

This is a great example of how compounding works in your favour when you invest consistently over time 👏👏

[@TheHumblePenny]

Consistency is EVERYTHING. And this goes beyond money.

[@adejuwonodugbesi3102]

The Humble Penny you are right as well as takes discipline and time.

[@EuanCopeland]

£10 is soo realistic 👏🏻 I love the concept of slow building wealth - doesn’t happen over night but so worth it! Loving the vid so far 👏🏻

[@TheHumblePenny]

👊🏾

[@ReeceCaruso]

Great suggestions! This is such an important topic to be discussing right now. I really enjoyed this!

[@TheHumblePenny]

Cheers, Reece! 😀

[@samueladjei1827]

Great video please keep them up , bless you and your family.

[@tomfisher7751]

This is honestly my favourite channel. I just love your enthusiasm. Thank you for the great and consistent content. Also, I got moved into my house finally. I've also set up a private pension and stocks and shares isa which I'll start paying into next month :)

[@TheHumblePenny]

Wow Tom, just WOW!! Sounds like results all round 👏🏽👏🏽😊 Thanks too for continuing to support our channel. Much appreciated!

[@tejimogu]

Me too mate !

[@charlottemathewson4885]

would you suggest investing in index funds if i wanted to buy a house within 5 years? love the videos

[@msmacthankQ]

Excellent and easy to understand thank you 👏🏾👏🏾👏🏾👏🏾👏🏾

[@TheHumblePenny]

You're most welcome! 😊

[@chandriarul1795]

Very informative. Thanks Ben. Really appreciate.

[@randomdaveUK]

Great video, not the first of yours I've seen. Totally switched me to investing and thinking long term. Just wished I'd started sooner! Have an ETF with regular deposits for the compound interest as you've shown and also a tech stock portfolio I'm building to weather another market crash. You've helped change my future prospects by changing my mindset. Huge respect 👍

[@TheHumblePenny]

DaveL, thank you for sharing this. It really means a lot! 😊

[@obas1163]

Thank you Ken... You make a fine point.

[@TheHumblePenny]

👊🏾

[@robberger2640]

Your content is disgustingly underrated. You’re the goat 🔥.I don't know who, but someone actually needs to hear this, you've got to stop saving all your money. Venture into investing some, if you really want financial stability

[@kenrickfagan628]

Brilliant advice and to put things into perspective 👌🏽

[@TheHumblePenny]

👊🏾

[@Colourandwellbeing]

I had a mum who was a saver. I open my first account and age 16 and always been a saver. Being a saver helped, has helped me in life because of it my only debt is my mortgage. However I definitely agree that being just a saver doesn’t lead you to become a millionaire. I am great at stretching my money but already in my 40s and Not a millionaire lol. I don’t know why investing in shares is so scary for people like me? Being a property wasn’t but this is.? I will continue to watch your videos to help me shift my mindset. Great content

[@TheHumblePenny]

Hi Maria I really love you sharing this personal perspective. Like many unknowns, the more you get comfortable with the risk, the easier it becomes to embrace that unknown. For example - Quitting your job for a totally different career. Would you ever do it? Even when you know that your current direction is taking you nowhere? Most fear the unknown and do nothing. But the person who considers the unknown and the worst case scenario is more likely to take ACTION and as such better off overall 😀

[@Colourandwellbeing]

Hi Ken completely agree that’s why I am being consistent at watching your videos and considering signing for one of your courses, that’s my way of dealing with the fear of loosing all my money, especially in a one income household. But I know me, I will get there God bless you, your wife and children for all this great content

[@lolyschmoney]

Great video, thank you ! I'm a future millionaire !! 100%

[@TheHumblePenny]

👊🏾. Invest and stay consistent with it 😉

[@DanielSquires]

Great tips as always… I would say it’s important for people to consider saving BEFORE they start investing and always save while investing. The wealthiest people all have large cash reserves. As do the top companies. Eg Warren Buffett (investor) has over $100billion cash reserves in Berkshire Hathaway. Reason this is so powerful is not just because you have money in case of emergency or have extra cash to buy up dips in the market, but because it helps you make smarter investing decisions because you have enough of a cash cushion to help you stay in an abundance mindset, independent of what is going on in the market such as a recession, market crisis etc. 👌🏽💰

[@TheHumblePenny]

Totally agree. Thank you for sharing this perspective 😀

[@lex5351]

Such an inspirational video! Thank you 😊

[@user-kc9mz8bu8y]

I think this pandemic has taught people the importance of multiple streams of income unfortunately having a job doesn't mean security. So l really appreciate your transparency and giving people a Fighting chance during these troubling times

[@TheHumblePenny]

Thank you, Kimberly. Really appreciate that 😊

[@empetrys]

sorry, can't figure out how do you make these figures from using the compound interest calculator, doesn't add up? could clearly explain how properly calculate your investment please?

[@chriso4464]

You are a star 🌟 Thanks & God bless Ken

[@TheHumblePenny]

Thanks a lot, Chris O! 😀

[@nadinehay1645]

Thanks for the video !

[@TheHumblePenny]

Much appreciated 😀

[@ngozic9104]

Thank you so much .very helpful.

[@TheHumblePenny]

You're most welcome 😀

[@peterlomax3500]

Great content, subscribed!

[@lisabygrave6607]

Great video as always. I have a question, we urrently save 50£ each per month for our daughters. The interest rate is 4%, should we continue or pull it out and invest in stocks and shares that u have mentioned?

[@dannyp7070]

Great video man, this is an eye 👁 opener ! I started investing into the stock market early April and I’m currently up 8% to date. I had isas for years but this video has definitely gave me more confidence to stick with what I’m doing. Thanks 🙏🏻. Oh yeah and you’ve got your self a new sub👌🏻

[@TheHumblePenny]

Danny P, awesome!! 👊🏾

[@petejames4672]

But coin and you would be 45% up

[@bakoserge]

Brilliant video mate.

[@louisbutler2387]

What is a better account to invest in / open, a general investment account or a stocks and shares isa, Thanks

[@alamale24]

YES FREINDS ALL GOOD THANK YOU

[@FitnessFoodRecipes]

Great information! So what is the next step once you’ve decided you’re ready to invest £300 per month? Which apps or company should I put the money into???

[@MzCarterOG]

Can you do a video on investing for beginners who have no clue and also for people on very low incomes please because everyone situations are different.

[@TheHumblePenny]

We've made videos for beginner investors. Please see our investing playlist 😀

[@headsandtails288]

So inspiring! Thanks

[@TheHumblePenny]

Thanks so much 😊

[@leeshalusalongrowth]

Which Calculator did you use, Ken? I like the yearly percentage breakdown!

[@TheHumblePenny]

One off Google but I've created one for free here: thehumblepenny.com/compound-interest-calculator

[@leeshalusalongrowth]

@@TheHumblePenny Wow. Thank you for responding. I will use it now!!

[@jman9496]

Ken just subscribed. Is the only way to take advantage of compounding, through reinvesting that dividends? And can you do that in VUSA automatically?

[@CandyAngelTv]

A wonderful video as always. I just have one question. Do I need to exit the trade and reenter to be able to add the accumulated growth to my investment. I have noticed that, although the value of my investment has been going up, my exposure only increases with the amount added each month.

[@TheHumblePenny]

Thank you! What investment do you have? You don't need to exit and enter. If it's a fund that you've invested in, invest in one that "accumulating" rather than one that's paying out "income".

[@ladyv1281]

I just started investing in the life strategy 100% via vanguard. I have been scared to invest but have finally made the leap, but what happens if the stock market crashes? Do you just ride the wave and wait for it to pick up again? Will all your money be lost?

[@TheHumblePenny]

You don't sell if there is a crash. Ignore your investment account. Basically, don't sell as the loss becomes real if you sell. If you don't sell, it's just a paper loss.

[@pigsinpyjamas9410]

The Humble Penny I would also like to see a video explaining this concept of ‘loss’. Surely if you lose it, then you lose it?

[@thomfisher4926]

@@pigsinpyjamas9410 you only lose it if you sell it. If you don't and you ride the wave and leave your money in there the market will rise again and you technically lost nothing! If the market crashes, that's the time to pump the money in, because when the market rises again your investment grows!

[@pigsinpyjamas9410]

Thom Fisher thank you, but I’m confused because a friend of mine lost £70k in the stock market. He was quite old so does that mean he just didn’t have long enough to wait for the stock market to go back up?

[@thomfisher4926]

@@pigsinpyjamas9410 unfortunately it does sound like it, best rule of thumb is to take your age and then use that as your % for bonds to protect yourself against a market crash. Im 30 so I have 30% in bonds and 70% in stocks and shares. If I was 70 I'd have 70% in bonds and 30% in stocks and shares. Doing it this was is less risk, but doesn't yield as high rewards. Generally the older you are the less you should be taking high risk gamble in the market as you dont have the lifespan to recover if the market does drop off.

[@Andy-wp6lj]

Thanks Ken & Mary - Can you please let me know that Vanguard index code again please. Thank you

[@TheHumblePenny]

Hey Andy, the example I gave was "VUSA". It's not a recommendation per se as I cannot give you investment advice. Just an illustration 😉

[@eulynwebb3690]

Thank you Ken...

[@TheHumblePenny]

You're welcome!

[@TheLimitZGamer]

Not all heroes wear capes 🤘🏼

[@TheHumblePenny]

😊💛

[@davestringer3774]

great video! What is your opinion on the Vanguard life strategy or should I just continue investing in VUSA?

[@TheHumblePenny]

VUSA was not a personal recommendation. It was just an illustration 😉, although it's definitely an investment to consider. Life Strategy is a great offering in my opinion for what it aims to do.

[@Soulfulmotivation101]

Hi Ken thanks for your continued education to help us achieving financial independence. I have just moved my kids Junior ISA to H&L. Am at lost to what stocks to buy and am also confused with their fees and charges. Do u recommend H&L OR Vanguard?

[@joycelynlewis5286]

Hi Ken, what type of calculator did you use to get those figures????

[@TheHumblePenny]

Compound interest. You can google one

[@joycelynlewis5286]

Thank you so much. I’m such a big fan of your videos

[@TheHumblePenny]

You're most welcome :). We also have a free compound interest calculator on our blog. Simply head over there and search "compound interest"

[@joycelynlewis5286]

@@TheHumblePenny thank you 🙏🏿

[@susanlewis1953]

I’m investing £100 a month for my son who is 11 years (junior stocks and shares isa). Great vid - I will keep on investing Sue

[@TheHumblePenny]

Keep going, Sue! 😀

[@MsAdam09]

Great video, when you say factor in inflation, how do you go about doing this? If I look on bank of england website at £1M from 2018 value in 1978 (40 years) the value is 177k, which based on your £10 per month example isn't a massive improvement on the amount you put in. Am I calculating this right? Still a hell of a lot better than putting it in the bank.

[@cheri-annpryce283]

If you put money in savings account, it will go down in value due to inflation as the interest on saving accounts bank offers tend to be very low like 0.1% and inflation is tend be 1-2%. However, if you put your money in investment platform e.g. Vanguard, fidelity, H&L in high yield dividend ETF like FTSE 100. Hypothetically, your return 3% quarterly or yearly with inflation 2%. The value of money grows over time. The inflation will not necessarily impact your investment. It best to have money in both saving account and investment account. Saving can be used as emergency fund and investment account can use to build your wealth for long term financial stability and freedom

[@TheMightyRedmen_]

Hi Ken great video, i was just wondering what the tax rates are when withdrawing your funds? For example if you have 1million in your index fund and then withdraw 40 years down the line, what % of that will be taxed? :)

[@riasilva4579]

There is no tax on withdrawal from a stocks and shares ISA.

[@anon4518]

Wow, thanks

[@TheHumblePenny]

🙏🏽

[@chrisloizou7997]

Hi Ken, thank you for another great video! You have been one of the driving forces in my life to start investing and saving for financial freedom. I have started an ISA with the following holdings and weights and would very much appreciate any criticisms you may have on it? I use a Trading 212 ISA. I certain understand if you cannot offer input on this and I am still very grateful for the great content that you keep putting out. Vanguard FTSE All-World (VWRL) 70% Vanguard FTSE Emerging Markets (VFEM) 20% iShares Global Government Bond UCITS (IGLH) 10% Peace x

[@TheHumblePenny]

Hey Chris Much appreciated comment 😊 What I like about your approach is your global focus. That's the right thinking.

[@downwind_david]

Hey Chris, my take on what you have done is that it is 90% shares and 10% bonds which would be considered a high growth & high risk strategy. If you are comfortable with the risk and you're younger with many years ahead of you to ride out the ups and downs of the market then it's a strategy you could chose. Just make sure you don't get cold feet when the market drops and sell - that'll be your undoing.

[@chrisloizou7997]

@@TheHumblePenny Thanks so much for getting back to me! Yes the global approach was my focus :) Stay safe

[@chrisloizou7997]

@@downwind_david Many thanks indeed for your reply! I read that the general rule of thumb that it should be 100- 30yrs old (my current age) - and this should equal the amount of equities I hold in my account? So in theory I should technically be holding 70% shares 30% bonds right? What would you recommened and do you reckon I have chosen then correct ETF's and such?

[@downwind_david]

@Chris Loizou I started investing when I was 22 years old and was putting 100% in shares. At the age of 27 I had about $40,000 as the tech bubble grew in the late 90s. Come 2000, the bubble burst and those stocks became $15,000. It’s how you feel you can handle those sort of events that will determine the level of risk you are willing to build into your portfolio. Yes, the rule of thumb is a good guide, but it also depends what your personal goals are. If you’re going to retire at 65 then you’ve got 35 years ahead of you, plenty of time to recover from market dips and take advantage of pound cost averaging, just as we have experienced in recent months. Therefore, the higher risk strategy is probably fine for now, but attitude to risk is a question ONLY YOU can answer. Personally, I’m 47 years old and planning to retire at 55, therefore I have switched to a much more conservative approach in recent years as I don’t want to lose 60% of my savings again as I probably wouldn’t have enough time to recover. As to the ETFs you’ve chosen, look at two things. 1) Is the ETF spreading my risk widely? 2) Are the costs low? If you can answer Yes to both then really it’s up to personal choice. Vanguard’s products are generally low cost, but even within their range of products some are below 0.1% and others are closer to 0.5%. All of these, however, are better than many managed funds that can charge 1-3% (or more!). Vanguard’s US shares ETFs has one of the lowest cost basis, so this would initially be tempting, but what if the US economy tanks. Therefore having all your savings there would fail question 1). I’m not saying you shouldn’t invest in this ETF, but one might only put a proportion of your savings here as part of a diversified portfolio. Obviously, as I am not a certified financial adviser, I can’t tell you exactly what to invest in or comment on the particular products you’ve chosen, but if you feel you’ve followed the general strategy I’ve outlined, then you’re going to be on the right track.

[@massivefitness3865]

Ken I love your informative videos. Would you be able to review at rate my portfolio atall to see if I am on the right track

[@TheHumblePenny]

Thank you :). Please feel free to email me.

[@tomfisher7751]

Also, I've set up an account with vanguard, and I'm using their lifestrategy funds. Is this a good one to invest in?

[@TheHumblePenny]

Life Strategy is a good ready made choice of portfolios. What asset allocation did you choose?

[@tomfisher7751]

@@TheHumblePenny I know it sounds bad but honestly I can't remember. Is there any way to view it? I picked their 80% stocks lifestrategy. I've also now changed it to invest in their S&P 500 as well

[@tomfisher7751]

@@TheHumblePenny Sorry, I misread your reply. I'm new to investing so I don't understand everything yet

[@lolyschmoney]

@@TheHumblePenny I put 100% on LS should I add SP 500 et do 50/50 ? thanks

[@YooMsBro]

Absolutely love this video and I can relate to it with the 10 pounds a day :) Gives more motivation for the future and to continue investing at least this much or more if possible.

[@user-nx2wr3sg8j]

With this type of investment does one pay taxes, and how would someone work out those taxes?

[@TheHumblePenny]

No taxes if you do it via your stocks and shares ISA :). You get a £20k allowance to invest per year

[@cryptoflippodcast]

_Nobody wants to get rich slowly!_ 😤😓😤

[@Wealthdecoders]

Which is why we must accelerate the wealth building via education and side hustles 📣

[@TheHumblePenny]

This is why most don't actually get rich!

[@cryptoflippodcast]

@@Wealthdecoders 100%

[@alamale24]

thank you freinds

[@arkello4586]

You are using a compound interval of monthly, is this realistic? Are index fund not compounded yearly?

[@arkello4586]

Btw big fan of your videos👍🏻 just curious

[@borishills7058]

Dm

[@borishills7058]

+ 1 ( 2 1 3 ) 2 9 5 - 9 3 8 0

[@borishills7058]

Dm

[@rost8303]

I would love to starting this 300 pounds per month but I don't know nothing about computers technology or how investment works. My question is there any way I can just have to put this amount each month and not worry about others things in order to invest this amount? If someone tells me go to this site of investment and all you have to do is make sure you you put this money each month, I'm for it cos. I don't understand nothing about technology and English is not my first language also. But if investing can be as easy as when we put money in the bank please let me what do I have to do to start it and I will do it. Thank you

[@TheHumblePenny]

It's very easy! All you do is choose an investment and automate your investing i.e. set up a standing order and that's it! 😊 Watch our KZbin videos on the investing playlist or join our beginner investing course here: Thehumblepenny.com/SuperSimpleInvesting

[@rost8303]

@@TheHumblePennyOK I will do it and Thank you so much for replying to me.

[@tankypoo285]

I was watching an interview with a vampire, which got me thinking about saving money. The only way i would become a millionaire and get to see it, would be if i was bitten by a vampire.. Epic.... I'm gonna be looking at some shares etc.... Thanks for the information, and i intended to check out more of your videos and re-watch a few before i dive in.

[@shaf1485h]

40 years is a long time to put your money away and not touch it. With house purchases, car, home improvement, holidays and family. It's hard to save for long periods and without life getting in the way of becoming an millionaire investor.

[@YvonneM125]

And that is why only a few make it

[@TheHumblePenny]

It requires planning your life well. I actually don't think it's that hard to save for long term goals. A good motivation is to think of what the alternative life could look like without long term saving and investing.

[@GB-rt]

Ken i can commit to £200 per month but such a sore saver i go back n take some so effectively not reaching my target. What would you suggest to do with this 200£ as an investment?? Help!!!

[@TheHumblePenny]

Hi G Star! I get you :) How about actually investing in rather than saving it? I made some suggestions in this video. Once invested, consider it out of reach. To stop you dipping in, how about saving an emergency fund first? 😀

[@GB-rt]

@The Humble Penny ..thank u. i have gone back through ur previous videos (as i am still new to ur channel) And i found one where u were giving advice for beginners ..i am literally making notes in my notebook!😊Will open the links u added and look into options. Like u said once in ested i cant touch..so out of reach. Think mayb invest 150 and keep 50 for emergency fund. U are a gem..cant thank u enough. Love n light to u n Mary

[@jennyli365]

In 40 years, do you think 1 million might just be worth 50 thousand?

[@TheHumblePenny]

No... Assume a rate of return that factors in inflation

[@CupcakeBaker1982]

👋🏻 I just found your channel today, it’s my new favourite! I’m 38 and have been investing since the end of July this year. I’ve now created pies in my trading 212 account. I have an ETF pie, a dividend pie, a “Big One” pie (which is the big US tech companies), a cannabis pie and a free share pie. Can I ask...what is your opinion on the value projections within the pies?

[@hajeralanazi8379]

I really need to study the basics of finance 😩

[@TheHumblePenny]

You're in the right place for the basics! 😉. What basic questions do you have?

[@fintan2830]

In my estimation ( and I could be wrong) £1,000,000 in 40 years will have roughly the same buying power of £300,000 in 2021 allowing for the same inflation figures for the past 40 years. Let's see if this assumption is correct in 2061!

[@peterice1183]

+ 1 ( 2 1 3 ) 2 9 5 - 9 3 8 0

[@peterice1183]

Chat miss juan.

[@oliam123]

Can anybody recommend Trading 212 app? I have only every been a saver but would like to start investing a little to start with.

[@xtxza]

I've used trading 212 since January and I love it, so easy to use and your money is protected

[@stephenlovett946]

Get a grip interest rates will not be 0.1% for 40 years Buy Tesla shares every month You will be a Millionaire in 9 years

[@tj6544]

That would be annuities of £300 per month over 40 yrs I suppose.

[@cowmonkey1000]

If you dump £50 on the stock market and double your money every year you'll become a multi millionaire in less than 20 years, simple.

[@juliagardner1383]

I wanna investi, just not in Fossil duels or arms dealers

[@TheHumblePenny]

You can invest in SRI funds that exclude fossil fuels and arms. SRI stands for Socially Responsible Investments. There is a growing number of products in this area. Look up JustETF.com and filter by their ethical funds

[@juliagardner1383]

@@TheHumblePenny thank you so much for this info

[@asrafjean944]

try the forex !! Massive gains are over there

[@jazza2834]

Love the sentiment of saving and investment. However not everyone is in a position to put these amounts in investing. If you are on a very low income £20 a month might be even stretching it ( assuming they have an emergency fund first). It would be nice to see videos that give some hope to those not able to invest hundreds of pounds and are not in a position to work due to health or disability but would still like to do the best they can with what they have.

[@TheHumblePenny]

Thanks for the suggestions 😀. What titles do you suggest?

[@jazza2834]

@@TheHumblePenny Saving / investing on a tight budget. A few pounds can make a difference or Making the most smaller investment . Thanks for considering my suggestion .

[@theresalechi98]

Hello. Good stuff. Can I get an illustration for 600 pounds monthly in a period of 20 years? I'd appreciate a reply

[@justinauchendu2896]

Hello Ken, I love this analysis. How do I start investing my £300 every month. Which investment platform can I sign up and start putting my money for better returns please. Thanks

[@TheHumblePenny]

Please watch my video on "Investing for beginners" 😀

[@cacophony3130]

Are you a millanior

[@williama-d6]

It's risky though

[@TheHumblePenny]

Crossing the road is risky too 🤔

[@petejames4672]

@@TheHumblePenny what happens if your broker like, vanguard, aj bell, or Hargreaves just for instance go bankrupt? Thanks

[@valerieswaks5420]

Nicely explained and easy to understand thank you so much.

[@TheHumblePenny]

You're most welcome, Valerie 😊

[@valerieswaks5420]

@@TheHumblePenny I'm very new to this and wondered, what happens at the end of the 30 - 40 year period of investment. Are there risk of your money losing value as the market fluctuates? 🤔Or with compound interest and investing for an extended period you are likely to be in a better place financially? Just wanted to make sure I've fully understood as my hubby is asking questions. Thank you. ☺️

[@TheHumblePenny]

@@valerieswaks5420 More the latter. The stock market will always fluctuate. That the nature. But compounding over decades will see you build considerable wealth irrespective of the fluctuations. In fact, the fluctuations over time lead to your capital wealth growing beyond inflation and you build REAL wealth. I'd suggest you both grab this structured investing course: thehumblepenny.com/SSI

[@valerieswaks5420]

@@TheHumblePenny Thank you so much. ❤️❤️❤️