Index Funds vs ETFs vs Mutual Funds - What's the Difference & Which One You Should Choose?

In this video I discuss the differences between Index Funds vs ETFs vs Mutual Funds and give you my opinion on what's the best investment is for your portfolio.
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DIFFERENCES: I want to start with Mutual Funds and why I think they are a mistake to purchase in this day/age. Mutual funds have been around the longest and the biggest identifier of a mutual fund is that it is professionally managed - this is also referred to as ACTIVE management. Stocks that are chosen within a Mutual Fund are chosen by a professional stock manager.
The fund fees are often higher because well, you have to pay the mutual fund manager to do the work. Typically mutual funds charge 1-2% per YEAR on the amount that you have invested into the mutual fund, which is called their expense ratio.
Index Funds typically have low fees. Their management style is PASSIVE management. An Index Fund is like a Mutual Fund, but it has no portfolio manager, thus saving you on fees.
An Index Fund just is constructed to MATCH or TRACK the components of a financial market index, such as the S&P 500. By buying the S&P 500 Index Fund, such as VFIAX, for around $300 you get to own a small percentage of the entire index.
Index funds seek to match the risk and return of the market, on the theory that in the long-term, the market will outperform any single investment. And
SO whats an ETF then?
Well a ETF is still a basket of securities, but its main difference is that it trades on the market so you can buy and sell it throughout the day, an Index Fund however, only trades once per day.
If you buy an ETF, since it trades like a stock, you’ll still be paying some commissions on it with a typical online broker.
Since ETFs do trade on the market, you can buy and sell it as you please, which, if you want that flexibility, it’s there. However, I would just recommend buying and holding if you are purchasing an ETF that tracks the market.
The other difference is that with these online brokerages, you may be able to buy into ETFs using fractional shares - which means if you have $50 you can buy a portion of an ETF, instead where some Index Funds might have a minimum - VFIAX for example has an initial minimum of $3000.
So which one is right for you?
Overall, I don’t love Mutual Funds. So with the remaining options - I would say, go with an Index Fund if you can meet the minimums and want a very passive strategy where you don’t want to be involved in your own portfolio, with Index funds you can also automatically reinvest dividends which is super powerful. Buy an ETF if you want to have more control over your own portfolio, and if you want to buy fractionally into them.
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Disclaimer: I am not a financial advisor, any investment commentary are my opinions only. Some of the products and services that appear on this channel are from companies that I have an affiliate relationship with, such as Robinhood, for which I recieve a small percentage made via those links, but it doesn’t cost you anything extra!

[@GarthwaiteMontaya]

I'm favoured, $30K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America

[@PatchellZee]

There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.

[@GiulianoGuagliardo]

A lot of folks downplay the role of advisors 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

[@BabikianVagt]

Can you share details of your advsr? i would like to get in touch

[@GiulianoGuagliardo]

@@BabikianVagt My CFA “Marie Barbara Meister” a renowned figure in her line of work. I recommend researching her credentials further.

[@FuessChapparo]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@MaximilianFischer497]

51% of traders think this year would favor stocks, mutual funds, and other equity-based investments, despite Treasury yields and other safer cash-like investments paying big. I’m looking for opportunities in the market that could fetch me $1m ahead by 2025

[@TicheDebb0]

Look for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire

[@RowanBryson]

True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till 2025.

[@EvelynBrooks0]

I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?

[@RowanBryson]

Her name is “Diana Casteel Lynch” can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@MarshalWagner457]

Thanks for sharing. i searched her full name and found her web instantly. After reviewing her credentials and conducting due diligence, i reached out to her.

[@LoughBellis]

The market's direction can swiftly change, with indexes frequently transitioning from a bear market to a bull market precisely when the news is most negative and investor sentiment reaches its lowest point.

[@PhilomenaCopple]

For the average person, the strategies are fairly demanding. In actuality, most professionals who have the necessary abilities and knowledge to complete such occupations do so successfully.

[@AsbellHeally]

If you do decide to make new purchases, have an exit strategy ready. Consider taking partial profits quickly to lock in some gains. I've been in regular contact with a financial analyst since covid. Investing in popular stocks is now quite straightforward; the issue is determining when to buy and sell. My advisor makes investment and exit decisions for my account, which has risen to more than $500K in less than a year.

[@PitcockRoth-9876]

I did enroll in a handful of trading classes, but they didn't help much. I've been advised to seek the advice of a competent financial counselor; how did you go about doing so?

[@AsbellHeally]

You might research potential candidates and keep a look out for those with clever methods that can help you grow your portfolio gradually and steadily. Carol Vivian Constable is my FA. She is knowledgeable and accommodating to your needs. establish her identity

[@AsbellHeally]

She goes by ‘Carol Vivian Constable’’ I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did

[@LiamThompson-cv9xy]

I have added a variety of stocks and ETF to my present holdings for the long term. I also have $300k aside to start following inflation-indexed bonds and stocks of companies with solid cash flow. I strongly believe this is a good time to capitalize on the market for long term gains. But actualizing a short term profit would not be a bad idea for me at all.

[@HarperScott-pk6uk]

A collapse of margin debts leads to a decrease in stock prices and it triggers a ripple effect on selling of stocks as investors will try to cover their losses.

[@WilliamTurner-od5ij]

Investors should be cautious of their exposure and should be extra careful of their buys, especially during inflation. Such high yield in recession is only possible with the guide of an financial expert who has proven and knowledge on investment strategies.

[@JacobWalker-jx3nf]

I totally agree. That is the main reason I employed the service of financial advisor, seeing that their skill set is centered on going long and short at the same time, with the ability to identify and mitigate potential risk on and threat on my assets, employing risk for the asymmetrical upside and laying off risk as a hedge for the inevitable downward turns. I have netted a whooping 2.2million in 2years of working with my advisor, and I am not even doing much.

[@JacobWalker-jx3nf]

Jason Herman Pierce is the expert fiduciary i use. You can google him to get more information about him.

[@EvelynRobins]

I have also be looking for a reliable financial advisor. And after seeing the credentials of Jason Herman Pierce, I think he is good for me. I have sent an email to him. I anticipate his response. Thanks.

[@AnnieHolsen]

I believe JEPI and JEPQ could fit well into my portfolio as I approach retirement. How can I maintain a high-risk investment strategy to pursue higher yields until I reach at least 55?

[@FinnBraylon]

Adding JEPI and JEPQ is smart for nearing retirement. As for staying committed to higher-risk investments, it's all about balancing your risk tolerance with your long-term goals. Maybe consider diversifying your portfolio to spread out the risk.

[@ArielEhrenberg]

Working with an asset manager has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.

[@HildaBennet]

Your manager seems competent. Could you share how I can reach out to them? I've recently sold some property and am interested in investing in stocks, and I'm seeking guidance. Thanks

[@ArielEhrenberg]

DIANA CASTEEL LYNCH is the manager I speak with. Just search the name. You’d find necessary details to work with to set up an appointment.

[@HildaBennet]

I'm pleased with the advisor's prompt and knowledgeable assistance. Their professionalism instills confidence. Looking forward to further discussions.

[@MagdaleneM-f3q]

The BIGGEST LIE You've Been Told About Money is that it doesn't grow on TREES!!😂

[@susannicky]

I agree with you!! Money actually grow on trees but only on trees that was planted by you!! These tress are referred to as investments. How you diversify your investment portfolio matters.

[@GhanYt]

Diversification is the key. My portfolio is well diversified with the help of a financial adviser. This helps me make more than +400% monthly on my investments._

[@BaffySchenck]

I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation???

[@GhanYt]

I've experimented with a few over the past years, but I've stuck with ‘’Julianne Iwersen Niemann” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up...

[@BaffySchenck]

Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info.|

[@Hannahbenowitz]

Many people are considering bitcoin as the "ETF of the year." However, I'm curious about which etfs could potentially outperform in terms of growth over the next decade. I've allocated $200k for investment, looking for companies to make additions to boost performance

[@DaliaCohen2230]

I think the next big thing will be A.I. For enduring growth, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective consider financial advisory for informed buying and selling decisions.

[@bartlyAD]

A lot of folks downplay the role of asset managers until being burnt by their own emotions. I remember 5 years back, after my lengthy divorce, I needed a good boost to help me stay afloat so I researched for licensed fiduciaries and came across someone who met my expectations. She's helped grow my reserve regardless of inflation, from $275k to $850k.

[@HildaBennet]

I'm happy i found this conversation. Please can you leave the info of your investment advisor here? I'm in dire need for one.

[@bartlyAD]

Sonya Lee Mitchell is the vetted fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@HildaBennet]

Thank you for the lead. I found her page, and sent her an emaiil. I hope she gets back to me soon.

[@sirheisenberg4459]

Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%. Please what could be my safest buys with $400k to outperform the market in 2024?

[@MarcyLoccy]

I'd avoid the index funds, mutual funds, or specific stocks for the time being. The 5% fixed incomes are the safest bet for now. Save your cash for when the market actually shows sign of recovery.

[@belobelonce35]

This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far

[@dengdelun3109]

my partner’s been considering going the same route, could you share more info please on the advisor that guides you.

[@belobelonce35]

Her name is “Rebecca Nassar Dunne’” can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@abrahammontessalazar685]

Semiconductors , Vaneck semiconductor index found

[@Vikturneer]

This time last year I considered getting into index funds without much knowledge and decided to have a consultation with a fiduciary, and it was incredibly insightful. One year down the road, I truly cannot stress enough how helpful experts in this field are!

[@FullOption]

To be honest, I've had a hard time grasping the basics. What insights did you gain, and how are you doing it?

[@Vikturneer]

It’s not rocket science. I got into index funds, and ETFs, myself but wasn't getting the results I wanted the first couple of months. Got tired of taking losses and decided to seek mentorship from Jonas Herman, a certified fiduciary who helps oversee my investments and has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my investment decisions align with market dynamics for optimal profit.

[@Freddylone]

I don't usually leave comments on socials but I feel compelled to. I just wanted to let you know that you’re doing a great job, Jonas. You have made a real difference in my investing journey.

[@Niniveen]

I'm 44, I hope it's not too late for me. Is there a way to learn more about his service?

[@Freddylone]

Hermanw jonas that’s his gmail okay

[@LucyMcCauley]

I recently sold some of my NVDA stock to secure profits, but I'm retaining a portion for the long term. Nvidia's growth potential remains robust. I'm considering diversifying my 6-figure portfolio, but I'm uncertain about managing risks in my next move.

[@Gregtaylor4U]

Everyone needs a Margin of Safety in their portfolios and just remember, It's time in the market versus timing the market.

[@Morgansta]

I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.

[@HarryWalter77]

While balancing your portfolio allocations, de-risk your investments, support your core holdings, and take some gains. Even managed portfolios don't always perform as well as I would advise, so it's essential to get the advice of a qualified fiduciary; my spouse and I find that this works for us. Net of dividends, we have had over 80% capital growth.

[@MellisaAdam]

I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@HarryWalter77]

‘Dianne Sarah Olson’ is the licensed advisor I use. Just search the name. You’d find her webpage and necessary details to work with to set up an appointment.

[@GoyanHomman]

I like investing in close-end funds that pay monthly dividends. The trick is to hold long term and reinvest the monthly dividends plus buy more shares on a monthly basis or when ever you can afford to. This can be easily done because close-end funds are bought and sold on the stock market just like regular stock. That’d be enough to create a portfolio that would pay you between $50k to $70k in dividend income

[@DiandraBuckovitch]

Just because there are 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

[@MoyaWassell]

Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.

[@SujayPera]

this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@MoyaWassell]

I've experimented with a few over the past years, but I've stuck with ‘’Julianne Iwersen Niemann” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@SujayPera]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@Pickerell]

Moving from single stocks to ETFs, tired of the circus. What are best strategies to divesify my $550K investment portfolio?

[@Shaine-d5t]

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.

[@Arleth-q1c]

Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.

[@AlyceJefferies]

pls how can I reach this expert, I need someone to help me manage my portfolio

[@Arleth-q1c]

*Victoria Louisa Saylor* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@Lodge-w1m]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@shirelylinero]

Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.

[@doran-f6w]

I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.!!

[@doran-f6w]

Just ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.

[@JT-sl3ui]

World economy depends!!!! Get out there in November vote TRUMP 2024 so this madness ends! 👍🏻✌🏻💙🇺🇸🦅

[@SilentSputnik]

lmfao what a scammer. The normal state of the U.S. economy is greatness

[@DavidReynolds-pl8tc]

I'm interested in learning more about investing and saving up for my retirement but am a little confused about the whole process. Any advice or tips to get me started up would be greatly appreciated.

[@MikeHarry-sl2hb]

For newbies and busy investors who have little or no time to monitor trade employing a professional financial analyst or advisor can certainly add value. Their expertise can potentially speed up wealth creation and navigate market complexities, but it's important to choose someone reputable and consider their fees, as they can impact your overall returns.

[@OliviaSmith-bq2nf]

Build a diverse portfolio that keeps you motivated. Speed up the process where possible. I'm all for dividends and I reinvest them into ETFs (ARKW, VOO, VXUS, IVV) and company stocks. After reaching my first million, I realized that when a stock starts booming, by the time you hear about it, you’re often late to the party. That’s why I ensure my CFA, Evelyn Burchett, handles that for me. I'm ever grateful to her-it's like turning on notifications to earn.

[@henrypatterson1281]

You're absolutely right about the power of compound interest and the long-term potential of investing in index funds like the S&P 500. For many, passive investing in broadly diversified funds can be a reliable strategy over time.

[@NataliaHampton-sp2fu]

​@@OliviaSmith-bq2nfNicely done. I love diversity

[@NataliaHampton-sp2fu]

Out of curiosity I did read about Evelyn Burchett on the web, she has a great resume

[@PHILIPTURNEL]

Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $560K for sometime now, my major challenge is not knowing the best entry and exit strategie;s ... I would greatly appreciate any suggestions.

[@AaliyahKhalid-kq9gl]

Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. hence I will suggest you get yourself a financial-Advisor that can provide you with entry and exit points on best stocks to buy now or put on a watchlist. Apple, Merck, General Dynamics, Cheniere Energy and Marriott International are prime candidates.

[@RichieAnnabel]

Right, I've been in constant touch with a fiinancial-analyst since covid . You know these days it's really easy to buy into trending stock`s, but the task is determining when to buy or sell .

[@AdamsJohn-iv4oz]

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

[@RichieAnnabel]

Svetlana Sarkisian Chowdhury is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@PHILIPTURNEL]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

[@d0ris]

I was confused with these funds before but it’s SO much clearer now. Thank you for the straightforward explanation! I love your channel and I will share w my family and friends 😊

[@humphrey]

awesome ! I am happy that it was easy to understand.

[@DavidLucas-so8rr]

Despite my best attempts to save money, contribute to early retirement, and become financially independent, the economy has sucked out a large portion of my assets since the epidemic. I want to know if I should continue to diversify my investments or if I should look into other industries during these erratic times.

[@JoshuaKerr-m4u]

You should look at stocks , they look to be the biggest beneficiaries of AI and Data centers , also DCAing into a good ETF too ...Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.

[@DesireeJames-q1z]

I agree. Exactly why I now work with one. A lot of folks downplay the role of advisors until being burnt by their emotions, no offense. I remember some years back, during the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from $350k to nearly $1m

[@Bridget-l7p]

You appear to know the market better than we do, so that makes great sense. Who is the coach?

[@DesireeJames-q1z]

"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.

[@fber5591]

Sounds like a skill issue. This has been a BULL market

[@PaulsonVitus]

I'm thinking to put some cash in stocks, I was at Salt Shack and i overheard some friends saying it’s ripe enough, but Is this a good time to buy st0cks? I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

[@Monicaschimick]

Of course, but Just because there are 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.

[@WilliamsonJared]

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 $295k to $850k.

[@BradleyGarison]

Impressive gains! how can I get your advisor please, if you don't mind me asking? I could really use this heads up as of now

[@WilliamsonJared]

There are a lot of independent advisors you might look into. But i work with ELISSE LAPARCHE EWING and she is excellent. You could just google her name

[@WilliamsonJared]

I work with Elisse Laparche Ewing as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.

[@MeirPamela]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family...

[@EmilyEvelyn-90]

I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...

[@MeirPamela]

@@EmilyEvelyn-90 Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* ..

[@EmilyEvelyn-90]

@@MeirPamela Oh please I’d love that. Thanks!

[@MeirPamela]

@@EmilyEvelyn-90 *MARGARET MOLLI ALVEY*

[@MeirPamela]

Lookup with her name on the webpage.

[@CliveBirse]

ETFs offer exposure to a wide range of assets, such as stocks, bonds, or commodities, which can help reduce risk. ETFs, like broad market index, sector-specific, and bond ETFs, are favored for long-term investments because of their diversification, reducing risk while offering growth and income potential.

[@Grace.milburn]

Many promising stocks across industries are worth tracking. While it's not necessary to act on every prediction, enlisting the guidance of a financial advisor is advisable. They can assist you in determining optimal entry and exit points for purchasing and selling shares or ETFs, ensuring well-timed decisions aligned with your investment goals.

[@ThomasChai05]

I fully agree and place great value on my advisor's role in guiding my daily investments. They excel in both long and short strategies, managing risk for potential gains and protection against market downturns. Their access to exclusive insights and in-depth analysis makes exceeding expectations a regular outcome. In the two-plus years I've worked with my advisor, I've gained over 1.2million dollars.

[@mariaguerrero08]

@@ThomasChai05who is your advisor please, if you don't mind me asking?

[@ThomasChai05]

Her name is ' Izella Annette Anderson ' Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@91ScottieP]

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.

[@eatonbutler1532]

What truly distinguishes Michael Hugh Terpin is his unwavering dedication to continuous learning and innovation. He is constantly honing his skills, staying abreast of the latest trends, and adapting his strategies to evolving market conditions. His nimbleness and agility in responding to changes ensure that he remains ahead of the curve, consistently delivering outstanding results.

[@sarahplatts3466]

Terpin's approach to trading is not just about making profits; it's about mastering the art of the trade. His deep understanding of market dynamics, coupled with an unwavering commitment to research and analysis, sets him apart as a true luminary in the field. Terpin's ability to identify lucrative opportunities amidst market fluctuations is truly awe-inspiring.

[@sarahplatts3466]

he is active on telegrams everyday

[@sarahplatts3466]

*@michaeltpintrades*

[@brentonharrison8254]

Michael Hugh Terpin is an absolute powerhouse in the realm of stock trading, and his prowess is nothing short of remarkable. I've had the privilege of witnessing firsthand his exceptional skills and strategic acumen in navigating the complexities of the stock market.

[@brentonharrison8254]

he is also active on wa ts a p

[@oyasuyutbe1]

Omg. I’ve been doing all wrong. Please talk about more about stocks for dummies! How to choose stock, etc. Please also talk about investing per ages 30s, 40s, 50s.

[@humphrey]

thanks for the suggestions, for sure :) I appreciate you watching

[@ilyjustinluuga]

This video was super informative! Seeing you on TikTok and following other financial/business professional accounts, I am beginning to build my way to “financial freedom”. Thank you for clarifying the Index fund and mutual fund. I almost considered putting my money into a mutual fund, but after learning how high fees could be, I’m just going to opt for an index fund.

[@humphrey]

Sounds great Justin, yeah good call lol! Thanks for following me on Tik Tok and here :)

[@MathewOliver486]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing below the $100k mark and in the first 2 months, my portfolio was reading $234,800. Crazy right!, I decided to reinvest a huge percentage of my profit and it got more interesting.! For over a year we have been working together making consistent profit just bought my second home at the beginning of summer.

[@lennoxmutterick6434]

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

[@MathewOliver486]

@@lennoxmutterick6434 However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

[@lennoxmutterick6434]

@@MathewOliver486 Oh please I’d love that. Thanks!.

[@MathewOliver486]

@@lennoxmutterick6434 Clementina Abate Russo is her name.

[@MathewOliver486]

Lookup with her name on the webpage.

[@KentBrono]

I have 35% of my capital investments in an IRA, 25% in index funds, and the balance spread across other investment accts totalling over $250k. I took a big hit in Q2, 2023. Right now i am just looking for ways to recover in 2024.

[@florianmadison]

There are a lot of strategies to make tongue-wetting profit especially in this down market, but such sophisticated trades can only be carried out by proper market experts

[@AngellLevey]

This is all new to me, where do I find a fiduciary, can you recommend any??

[@georgestone0123]

“Julianne Iwersen Niemann” is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@AngellLevey]

I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.

[@shreydoshi110]

Smh...These damn bots tryna lure people left right and center

[@pelhamh]

Nice video mate. By the way, if you were adopting a monthly dollar cost averaging plan, would you do it via an index fund or an ETF?

[@kathleenstoner.n7499]

So much complexities. 🤦‍♂️I think FX-Trading is just the simplest yet you make a very good passive income weekly.

[@kathleenstoner.n7499]

Not a Pro. LoL. I work with "Sandra Yvonne Webster" in all honesty she is an Angel. Do your own research!

[@dr.karidouglas1312]

Sandra was here in Utah for a seminar. She spoke about Nft bubble Great speaker, full of humor and rhetorics too. Lol!

[@dominionemployee1188]

These bots are getting scary good

[@dutchttsfo7571]

Fake ass convo Smfh

[@Eric-qm4vm]

Great video, fantastic job explaining the similarities and differences between these investment options, and I found it very informative. I noticed one crucial aspect missing, and that is tax liabilities associated with these investment vehicles. I believe including information about tax implications would greatly benefit your viewers. If I remember correctly, one of the key attractions to ETFs, is the tax advantage they offer. Investors in ETFs typically do not have to pay taxes on capital gains until they sell their shares, allowing for tax deferral and potential tax savings. On the other hand, investors in mutual funds may be required to pay taxes annually on capital gains, which can impact their overall returns. Let me know if I got it wrong.

[@JosephPereira-j5g]

Thank you for simplifying this. Most people talk way over my head about this stuff, but I actually understood your video! 🙏🏼🙂

[@bindah123]

Nicely illustrated! Perhaps make a video on the different ways you can buy an index fund (i.e. VFV, ZSP, VSP, SPY, VOO) etc

[@humphrey]

will def consider, thank you!!

[@jzen1455]

Damn. All these years I thought ETFs and Index funds were interchangeable terms. I appreciate this educational video!

[@luvanmusiq707]

Omg, I finally have a clear understanding of what these funds are and how they work! Thank you so much for simplifying the information. You're awesome!

[@humphrey]

You're so welcome!

[@MO-dj5br]

I see that the S&P 500 has a bunch of different index funds that track it. How would you pick which fund to invest in?

[@humphrey]

I like going with the lowest expense ratio (fee) fund.

[@asdasd-lq2hd]

@@humphrey I’m new to investing, I have 30k in my Questrade TFSA account looking to invest in 100% VEQT. So all I have to do is buy as many shares I can with my 30k and that’s it? Besides logging in to buy more shares every month for 30+ years, I don’t need to do anything else on my Questrade account? Can I set it and forget it?

[@cryptoprince12]

Omg, I'm about to invest to mutual funds. I'm so glad that I watch this video. Thanks man! 💯🔥

[@humphrey]

You are welcome!

[@Elevhation]

Nothing wrong with mutual funds. A portfolio of index funds and mutual funds will keep the costs low and give you the benefit of both. There are some mutual funds, for example some of the ones managed by Baillie Gifford that are not much more expensive than index funds and provide a much greater return. I dont agree that all mutual funds are bad maybe you just havent done the research into the best performing ones. Here in the UK its not just picking the right funds but also choosing the necessary accounts to hold them in. For example whether that be in a pension, ISA, Investment Account etc…

[@jackwillison177]

I've managed my retirement portfolio for 5 years with $900k in assets, but I've underperformed recently. Are there anyways to turn this around or Should I sell and switch to a High-Yield Savings Account?

[@AndreaRoberto-wm3th]

Avoid tax complications; consult a financial advisor to restructure your portfolio instead of selling off assets.

[@Williamjame444]

After experiencing heavy losses in 2022, I consulted a fiduciary advisor. By restructuring and diversifying my $250k portfolio with blue-chip/growth stocks, ETFs, Mutual funds, and REITs, I achieved an annualized gain of 36%

[@vivianlucy141]

Being heavily liquid, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?

[@Williamjame444]

She goes by ‘’Melissa Elise Robinson’ I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

[@vivianlucy141]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@carlosvillarreal7989]

Great video; clear and concise information. Thank you, Humphrey.

[@andreasklawitter2022]

THIS is the info and the channel I've been hunting for! Thanks fam! 🙏🏼

[@humphrey]

you're welcome brotha!!

[@BrendaR.Nickols]

The way you explained this made it so easy to understand. 🧠

[@itsyorboyal]

This was really helpful man thanks

[@Amelia-Elizabeth]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@Amelia-Elizabeth]

@Christina-Gisela Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. Alice Marie Coraggio, a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.

[@Amelia-Elizabeth]

@Christina-Gisela Alice Marie Coraggio

[@Amelia-Elizabeth]

Lookup with her name on the webpage

[@anonyar]

Fake thread. Don't trust this kind of financial advisor that pays people to post fake comments.

[@KlaKe09]

@@anonyar she almost had me with the story until someone else chimed in with the same name and the 5 figures in profit in 7 months. whew.

[@anamarcelino7281]

Very well explained! Very clear, easier to understand! Great video! Thank you !

[@kelbogee]

This perfectly answers some questions a friend was asking me the other day. Now I can just share this video. Thanks, Humphrey!

[@humphrey]

Kelly!! Im happy to see you in my comment section :)

[@digiwhite6470]

Appreciate Video! Excuse me for butting in, I would love your opinion. Have you ever tried - Rozardner Flying Bird Reality (Sure I saw it on Google)? It is an awesome one off product for learning a simple option trading secret to win big minus the headache. Ive heard some awesome things about it and my best friend Jordan finally got great success with it.

[@droveallnight]

In a taxable account: mutual funds that have capital gains would result in taxes owed. ETFs don't generate capital gains until sold, so no taxes owed until the year ETF is sold. Did I get this correct?

[@barthill9118]

It would be great if you can explain the different tax implications for ETF and Index fund, especially relating to capital gain distribution

[@tjmed7708]

still I just don't understand what is the point in dumping 3 grand into a single index fund when I can dump the same amount into the equivalent etf or even diversify it? what is the advantage of an index fund over an etf? or is there one?

[@stevencassani4674]

I've read that ETFs are more tax efficient than index funds. I believe in long-term investing, and I don't plan on selling anytime soon, so would I save more on taxes with an ETF or index fund in the long haul in a taxable brokerage account?

[@humphrey]

I think it depends, but this article sums it up well: www.etf.com/etf-education-center/etf-basics/why-are-etfs-so-tax-efficient

[@DavidEVogel]

I've read that ETFs are more tax efficient than index funds. Why?

[@Riggsnic_co]

Major indexes booked their worst yearly performance since 2008 thanks to drivers like the recession, war, hiked interest rate and inflation which so far doesn’t seem to be easing off, so I’m left wondering what 2023 has in store for us investors, I’ve been sitting on over $745K equity from a home sale and I’m not sure where to go from here, is it a good time to buy or do I wait?

[@maga_zineng7810]

It’s a good time to buy in on the market, so seize the opportunity to purchase stocks on sales.

[@usieey]

stocks are your best bet atm, the housing market are currently a mess

[@Mohaimam316]

I think stocks will plummet further before actually experiencing steady growth and there are still quite a few stocks that makes for a good buy this season, you just have to do your research, but to be on the safer side and not second guess your market decisions, I’d suggest you reach out to a proper investment adviser for guidance, they’re better equipped at understanding market patterns/movements and adjusting portfolio to match up with these market trends.

[@maga_zineng7810]

my portfolio is down over 15% just last month alone and It’s been that way for the best part of 2022 and I really could use professional help, I’m close to retirement. have you worked with an investment adviser before and could recommend any?

[@Mohaimam316]

My advisor is ‘’Catherine Morrison Evans’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market

[@kang-heeellalee9862]

Thank you 😊. You are super awesome and brilliant!!!!

[@LeoUSA33]

The point of this video starts a 2:54...... just saying. My take away, go with an Index Fund if you can afford the minimum investment.

[@harrisonjamie794]

After a terrible 2022, shell-shocked financial backers have a lot to think about and losses to recover from. An expansion report and a wealth of other data did little to alter assumptions that the Central bank would likely keep raising interest rates regardless of whether the economy slows down. This implies that portfolios will experience more losses during the first quarter of 2023. I'm currently at a crossroads deciding whether to exchange my $250k security/stock portfolio; how might the continuous market volatility work to my advantage?

[@DavidAntony-gq7id]

Concentrate on two main objectives. First and foremost, keep yourself safe by knowing when to sell stocks to reduce losses and maximize gains. Second, prepare yourself to gain from a market turnaround. I advise you to seek the advice of a representative or financial counselor

[@harrisonjamie794]

@@DavidAntony-gq7id In fact, ever since Coronavirus, I've been in regular communication with financial examiners. Nowadays, buying moving stocks is quite easy; the trick is knowing when to buy and when to sell. The section and leave orders for my portfolio are made by my counsel. accumulated more than $550,000 from a $150,000 savings that was initially stale.

[@DavidAntony-gq7id]

@@harrisonjamie794 Please provide the information for your investment advisor here. I really need it now.

[@harrisonjamie794]

@@DavidAntony-gq7id She is KRISTIN GAIL CUNNINGHAM , my consultant. Since then, she has devoted section and leave attention to safeguards that I have been keeping an eye out for. You can locate information about the chief online, on the off chance that you're interested. I made no regrets about substantially adhering to their exchange strategy.

[@DavidAntony-gq7id]

@@harrisonjamie794 sincerely thank you I looked her up on the internet and was awestruck by how qualified she was; I contacted her since I need all the help I can get with canning. I've just scheduled a call.

[@jadegill7071]

Thank you for this! I would love if you could include hedge fund. This is the only one I'm still confused about. Also, how can we find out what time an index fund is traded in the day?

[@estebansamra7255]

Great channel! In my late 20's and STARTING to understand the value and importance of early savings. While I may have missed the boat to some degree, it's still incredibly beneficial to start whenever!

[@pcdubya]

Informative but mutual funds don't necessarily suck, plenty of overperforming ones with .7 -.8 % expense ratios that have outperformed the market.

[@seanchoksey1676]

I really don't know how to thank you man... you've cleared all my doubts.

[@humphrey]

You’re welcome bro

[@nlitin]

Thank you for breaking each down. Much appreciated.

[@EmeraldMaret]

Appreciate the detailed breakdown! I need some advice: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How should I go about transferring them to Binance?

[@BrendaR.Nickols]

Keep up the great work! Looking forward to your next video.

[@rahorin]

Why would you favor a index fund over etf when they are basically very similar but from what I read ETF is like an upgraded version of index funds. Now I'm really confuse.

[@mikeypalmer3977]

Thanks for a very clear explanation of the differences

[@humphrey]

You are welcome!

[@harftimer4789]

so.. if buying a share of the second type of fund (the index fund) .. what are you actually buying? if it simply 'aims to track an index' .. it seems like you're not really buying stocks. is this correct? this is the one that is confusing me. i understand mutual funds. and i pretty much understand etf

[@humphrey]

etf is very similar to index fund, just index fund trades once/twice a day and usually has higher minimums

[@karengarcia-z5d]

Appreciate the content! Just a quick unrelated question: I have the OKX Wallet with USDT, and I have the seed phrase. (job priority warm lab border boil monkey manage palace fiber weird ask). What's the best way to move it to Binance?

[@shalaww23]

Great video! Very informative and easy to understand.

[@hoodiedaddy2037]

Hi Humphrey can you please make a video on how to make a portfolio in google sheet, if you can. Please

[@humphrey]

I can consider that for a future video, yes, thank you for commenting.!

[@ebrue7641]

Just subscribed. Thanks for educating & being so genuine about it!

[@jackanderson6100]

Thanks Humphrey ! Great video

[@veganvengeance9271]

Was searching for a short and easy explanation, the thumbnail immediately caught my attention. Great job

[@humphrey]

Boom! Thank you.

[@samdoral4927]

Great explanation on Mutual funds, Index funds & ETF

[@smoakybear8796]

Which investment, excluding mutual fund better success rate for income and which one has a better chance for growth?

[@Player-yb8mr]

Hi been following your video's, very good video's but i have a question, can i treat ETF the same as Index funds concept, meaning set it and forget it? And will the ETF have the same benefit as Index to which the dividends be reinvested?

[@TFM8]

I do have a question regarding dividend ETFs. I have a few and I don't seem to be getting the dividends from them and historical returns doesnt seem to be dividend adjusted. Do divi ETFs pay out the dividends or only track the share perf or high dividend stocks...im a bit puzzled

[@OregonWildmanAKAsasquatch]

Im going to do the etf index fund. Long term etc. How do you buy the dips?

[@peterm4368]

This is very educational, Humphrey. You are doing a great service. A small criticism about accuracy. Index funds are not a separate category unto themselves. There are mutual funds that are index funds and there are ETFs that are index funds. Textbook definition: An index fund is an investment fund - either a mutual fund or an exchange-traded fund (ETF) - that is based on a preset basket of stocks, or index.

[@cheyennecornett2218]

Thank you for adding this comment. I was wondering why he spoke as if it was a separate category…

[@kathleenfullerton1657]

What do you mean by paying commission fees to a brokerage? Cant you purchase direct on vanguard, fidelity etc? I don’t see how Robinhood saves any money please let me know. Thanks!

[@humphrey]

until recently, brokerages used to charge you fees for just making trades, that has since become non-existent since Robinhood introduced that concept back a few years ago, the rest of the industry has conformed to that.

[@kathleenfullerton1657]

@@humphrey Makes sense, thank you for the reply.

[@azski80]

Great info, can you provide info on Target Date Funds?

[@siamimam2109]

LOVE THE VIDEOS! Thanks for making them 10mins and not 20mins like others lol

[@Wishwellpomeyie]

Thank you, the simplest explanation ever! I really enjoyed your video in fact I have subscribed as well.

[@clootscalhoun9481]

Hey there. New investor and new subscriber. Love your channel. Thanks!

[@TheCarrollHomeTeam]

Hey there, im looking at starting an index fund for my kids- where would you suggest i start? I have zero experience in this arena.

[@RickWatson-xu6gw]

The market is out of control, and banks are failing one by one. Could there be any potential in the stock market for a boomer like me? I am working on an approximate estimate of $3M for retirement.

[@jzen1455]

I bought $3000 worth of VT over the past 3 weeks. After realizing how much a deadweight the international stocks in that ETF is, I decided to sell my shares and buy the VTI ETF or VSTAX mutual fund equivalent. I'm now deciding between getting the ETF or mutual fund. The expense ratio is only 0.1 % more with the mutual fund vs the ETF. I was drawn to the mutual fund mostly for psychological reasons; to reduce how often I look at my portfolio and to not make any rash selling decisions.

[@CarolinaRaciti]

Thanks! Very clear! 👏

[@humphrey]

Glad it was helpful!

[@fantakake7223]

you crleary explain the difference between theses portfolio, I was confused. Thank you

[@curiousjoe395]

I have a bunch of "funds" across my pension and ISA. I am after a website or an app which allows me to plot them on a line chart so I can see their performance over time. They all have an ISIN Code. I want it to remember the funds that I am tracking. Any suggestions?

[@janfwagner]

Thank you for the informative video. There are plenty of mutual funds that do not in fact "suck," but provide market outperformance. It all depends on what the investor wants and is willing to pay for. The video lacks nuance on that point.

[@nikit9135]

Thank you so much! I am so glad that I found your channel. Your presentation style is very simple and easy to understand🙏

[@tannerbarcelos6880]

Index Funds and buying individual stocks for that risk/reward factor is the way to go. I prefer that passive approach for sure while also loving the ability to get myself some shares in Apple, etc 🤣. You cleared up a ton for me man! Subbed

[@chrisglazener3613]

Great video. I'm a late arrival to investing for retirement. I've only had a Roth IRA for about a year now and have about 3k in it. The majority of my assets are mutual funds. Luckily all my expense ratio's are pretty small ranging from 0.04 to 0.65. With that being said, I think I'm gonna pivot to ETF's just to be safe. If things go according to plan, I still have between 20 - 25 years left before retirement so hopefully I can build up a nice nest egg. Anyways, thanks for all the valuable tips!

[@brucerowe2895]

Chris Glazener, 20 years x 6000 dollars a year is 120,000 not counting the interest and your funds increasing over the years, consider putting at least 10% of what you earn into a 401 at work or similar fund that brokerage can set up for you. You need at least $300,000 to retire, $500,000 is a lot better. Don't mean to scare you, but that is your goal. Last year I was treading stocks, and made $6000 into my Roth without putting any money into the account. Keep doing what you are doing and you should do well. Oh something else multiply 3000 dollars x 6% you get $180 a year, you could get 8% some years or more, so compounding works well. Oh a $100,000 x 6% the lowest you should expect is $6000 and you can keep adding the $6000 a year on top of that, and of course no taxes. That's the beauty of the Roth, you can only pull out what you deposited with nor penalty, before 59 1/2.

[@lambroshilas8080]

@@brucerowe2895great advise. To summarize: the first $7000 goes to max your ROTH, next max your 401k, and finally set aside some funds for your brokerage account.

[@left4d1]

This video was awesome, glad I subscribed because your strategy for teaching is simple and more than helpful!!!

[@theilovemyfamilyshow5668]

Thanks for the clarity. It all gets a little crazy after a while!

[@yerosmith1220]

After the last situation with Robinhood ..... I would never suggest anyone go to them.

[@LM-lj2cf]

I only invested around $200 with them but I want out. What do I do?

[@hayden9213]

@@LM-lj2cf i'd go to either td ameritrade or webull. they're both good

[@EternalAwait]

Great video, but I was even more impressed with the completely unrelated bonus content :D I don't think I've seen other people do it that way

[@humphrey]

Hahahaha you are welcome :)

[@attaulwasay]

Yang it gave me good understanding. Thank you for that One thing which I noticed about Index Fund is it overnight fee or weekend fee, which is not with ETF. I was wondering if I could get anything on this Thank you

[@dr5589]

Thanks, any thoughts about Fundrise?

[@cmk0555]

Im so glad ive been watching your videos. i had an interview with a new bank just now trying to sell me on mutual funds, BUT I KNEW THAT WAS RUBISH! Putting it all in Index Funds going forward!!!

[@orangecrush455]

I love yoy Humphrey!! You are a blessing!!

[@bakasan0000]

With an index fund, do you have to reinvest the dividends?

[@LaurenceAlmalvez]

Hey Humphrey! So can I buy into an EFT and trade into (not sure if that's the right vocabulary) an index fund?

[@beexiong9047]

Great video Love your explanation and clarification. 👍 Thank you sir Much appreciated.

[@kinze1439]

Graham Stephan analogies. (Destroy that’s like button) Love it!

[@humphrey]

Haha trying to be like him one day, we'll get there! Appreciate the comment too.

[@kinze1439]

Humphrey Yang awesome. Can’t wait on the next video!!

[@abdallahalmanasrah8877]

LOVED your video, thanks a lot!! Finally those things make sense now.

[@financiallyindypendentshow4711]

Whats your opinion on the Magellan fund?? When Peter lynch was the manager?? 🤔🤔