Everything You Need to Know About Investing

[@PierceJPeterson]

Time is one of the most important things when it comes to investing. Start as early as possible. Great video!

[@erchguyj1234]

Is 17 a bit too late?

[@Housewarmin]

Trying to explain.. "Invest this money, so you can have more money in 5 years" Is a really hard concept for college kids who can barely pay their student loans today.

[@asadb1990]

well with college students, if you live at home, you should be investing most of the money into the market for it to grow. and it doesn't hurt to covert some of your money into gold or silver to stop yourself from spending it.

[@voltiss]

She said only look to invest once you have a solid emergency fund. If you don't or can't have this right now them this video isn't for you

[@lenapetrova]

@@voltiss Agreed. Plus, I think being a college kid investing becomes a bit tricky and very risky. Definitely build an emergency fund first, don't invest 100% of your savings in the market if you don't have a trusted mentor/ person who can lead the way to teach you best practices.

[@lisbethskagen7138]

One thing I agree with is trading with the guidance of a professional is quite the best way to trade. Its different from copying trades from broker platforms and also its much more profitable with less mistakes and losses

[@alexpoole2936]

@@lisbethskagen7138 I guess you could recommend an expert because I really need one rn. I have been trading for months now and have lost most of my trades lately.

[@gazorpazorp9798]

Made my own “fund” for each of my daughters that contain 20 dividend paying stocks or funds. (Actually 19 dividend products and Nintendo stock because I gave into teen oressure). Started when they were 14 and try to contribute 1000 usd a year to it through dollar cost averaging and fractional share buying. I am trying to encourage them to be prepared to contribute $38 a week to it from the time they turn 18 until they are 24ish (or they are ready to control their own investments) so they have a solid 10 years of investing under their belt.

[@pri.sci.lla.]

You’re a great parent! They be very grateful for this.

[@aaronjosephs2560]

Just so you know, Nintendo does pay a small dividend!

[@shaquicedacosta]

Are they involved with the accounts yet? My mom talked to me all the time about money, it took 5 years for me to start listening. Maybe if they're involved early they won't fumble the hand-off.

[@gazorpazorp9798]

@@pri.sci.lla. Thanks, I hope it helps them!

[@gazorpazorp9798]

@@aaronjosephs2560 Wow thanks I didn’t kniw. My daughter insisted we add it. It was $35 when we bought it now its $51.

[@emilycooper5016]

Would also love if you did some things about investing that weren’t so American focused! Would love to start investing at 21 but a lot of these companies you suggest are more American! ☀️

[@wullivieh]

Some things generally apply as start early, sit out those dips and diversify. But whether or not there are any government supported systems in place, will be highly country dependent.

[@mikeg9b]

If you're Canadian: Ben Felix: kzbin.infovideos The Plain Bagel: kzbin.infovideos

[@dermalcompass3943]

Emily Cooper if you’re in Europe, look into trading212 (including videos on KZbin about it)

[@musicaffection157]

I'm in Australia, and I've found Raiz a good place to start!

[@ellietacon1427]

MamaFurFur on youtube is amazing for UK based investing if that’s where you are

[@cabinfeverremedy5636]

A video on socially responsible investing please!

[@CosyPosy]

I'd be interested in this as well. I know WealthSimple has some good options for that, but I'm wondering if there are lower-fee options

[@purplegal05]

I just opened my roth IRA last month at age 33. I should have started when I was 21! My parents are immigrants, and where they are from your children support you financially in old age. They have barely saved up anything for retirement

[@LyxyLue]

Same here a mirror of my situation. If it wasn't for various KZbin channels I'd know nothing about money as my parents know nothing.

[@mikeg9b]

Try to max it out every year if you can. www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits Stick with index funds with low expense ratios. Choose funds like: S&P 500, Total U.S. Market, or Total World Market.

[@theynavbrar]

TFD has helped me so much in starting on my own healthy financial journey as a new adult and now I can share this handy guide series with all my friends and siblings! Thank you, TFD!

[@Bandit_Spark]

When the market is down, think of it as a sale and take advantage of the lower prices. Historically, the market has always gone up over the long term.

[@1JoyPeace]

🎯 This. My family listened and saved some cash over the years. Now, they all are the millionaires next door this time around. Investing is a long game, one must control their wants.

[@mikeg9b]

Yes!

[@InvestWithQueenie]

Thanks for sharing these tips for beginner investors! I agree with you that diversification is key to investing and really does help offset the risk of investing in stocks. I also like to invest in ETFs because they are quite a stable investment compares with individual stocks. However, I do like to invest some of my portfolio into individual stocks which I believe in, based on my own calculations and valuations. Thanks for sharing these great tips Chelsea 😊

[@mikeg9b]

There's nothing wrong with buying individual stocks as long as your core investments are sound (S&P 500, Total Market, Total World, etc.). Research the Efficient Market Hypothesis. Watch Ben Felix. He's Canadian, but he has the best investing KZbin channel I know of: kzbin.infovideos

[@lenapetrova]

As far as investing goes, it might look like "quick money" but it's very important to be very careful and to manage your risk well. In today's volatile market, even seasoned investors are not fully comfortable so I would think college students do need a trusted, well versed in investing person to help guide them through the process.

[@honeybee176]

I just graduated college and started my first job that is applicable to my major and gives me enough money to live on. It’s exciting to have more funds that I can put towards beefing up my emergency fund, savings (both general and specific goal oriented), paying off my student loans, and investing. In addition, I now have a 401k since I have enough time to work full-time and get these sorts of benefits which I wasn’t able to do in college. As someone who is now working as a financial consultant these kinds of videos are right up my alley!

[@Kevlandia]

I must be really stupid because for some of these things I needed a breakdown... of the breakdown. lol "Which you've probably heard of." I have not Chelsea... D:

[@cassidymartin2491]

If you want a longer breakdown of the different types of investment accounts, I highly recommend the book The Simple Path to Wealth. It’s explanations assume no prior knowledge about investing and I really liked it.

[@jeffreytalksatyouaboutthes196]

It does take a bit of learning, but is very important.

[@lenapetrova]

@UCANGQZAFw56hO4WIf_c%F0%9F%91%8FlLaA Thanks for a good recommendation! I've heard a lot about this book and it's one of the books on my list this year.

[@joymae]

I waited to invest for too long. Start as early as possible!

[@raziyababayeva]

Maybe person who invest in 20s can die in 5 years and you will live till 80s. Dont put time restrictions. People begin when they are ready!

[@danaology.]

I’m loving this series! Thanks to the last episode, I bit the bullet and checked my credit score, expecting it to be a bit terrible. Was super surprised to see a score of close to 800 and I’m only 24. My partner and I are now getting serious about investing. This video really helped “dumb it down” it down for me, since my partner works in a bank and just knows everything!

[@ElyseMarieee]

I wish I had this video when I was first starting to invest in college! I’ve been using acorns since sophomore year but really didn’t understand how stocks & bonds work. Thankful I started early though and i eventually learned much more over the past few years!

[@emilycooper5016]

Absolutely love this series! I have been keeping up and loving all the tips and guides ☀️

[@camillemarie178]

Currently reading Erin Lowrys guide to investing! Its great so far.

[@faizansayed9203]

One of informative video seen this week. For beginners there is a lot to learn I did start investing watching such videos

[@whiskychops]

This video is the best summary about investing I saw over the last 3 years and I watched several hundreds.

[@rebekah8789]

Chelsea, would you consider making a video on non-retirement investing goals? I keep hearing the advice to invest from personal finance gurus, and it makes sense for retirement and children's educations, but that down payments should be in cash (usually). What other sorts of goals would make sense to be investment goals rather than savings goals?

[@juliawhyy]

I do the robo-investing with fidelity for my Roth IRA and I'm pretty happy with it (advising fee taken into account). I just pretend the monthly auto deposits are just another necessary "bill." I'm far from maxing it out, but something is way better than nothing!

[@raychristopher7797]

When the market goes down then it's buying opportunity. If the market goes up then you are making money. If you stay invested and ignore the market's ups and downs, you'll make a lot of money in the long run; however, a severe market correction causes a lot of margin calls and sell-offs, driving the market even lower. currently, I'm up 13% in my diversified portfolio. As crazy as it sounds some still make enormous returns from this seemingly unknown market. gotta be greedy when others are fearful

[@harrisonmichael5047]

exactly what I'm personally planning on doing now the market is down, but I have no idea about stocks to buy or what assets that would yield the highest potential and so on. Your portfolio is freaking awesome, you seem to be doing well yourself. how do you select stocks you invest in?

[@raychristopher7797]

@@harrisonmichael5047 I have my portfolio very well-diversified, though I did it using trad signals from a US-regulated broker *PRISCILLA DIANE AIVAZIAN* financial analyst and CNBC contributor and it's been a huge relief. Good earnings and little to no engagement at all on my part. Her stock picks are top-notch, I don't worry about market trends anymore because she's quite the genius in trading and portfolio diversification

[@harrisonmichael5047]

@@raychristopher7797 Do you mean copying her trades as it's been done in Etoro? Do you just give out your funds or copy them manually?

[@raychristopher7797]

@@harrisonmichael5047 Yeah but I don't give out funds here, It stays right in my account. I only mirror her trades in real-time that's ideal for this system. Copy trading is 100% secured and very transparent to work with her, you don't have to send any funds over. you have control over your funds and can opt-out anytime you want just like in Etoro. Check out her name online and get in touch if you need help with this insane market.

[@harrisonmichael5047]

@@raychristopher7797 It's encouraging since you're not giving out your funds. I just looked up this person out of curiosity; surprisingly, she seems proficient. I appreciate this.

[@MadisonFalcoFoods]

Dude you just have to do it! It is a learning experience for sure but it’s fun when you know how to control yourself and look at the info with a vision

[@bharati4076]

I’m started my junior year of high school (I’m 15) and my father convinced me to start investing this year. I am doing all the research required now. My parents have an investment manager who I’m learning from regularly and since I don’t have an allowance per se, my father is providing me with the corpus money! I am very excited! If you have any tips, please reply to this comment.

[@jeffreytalksatyouaboutthes196]

This was a really solid overview. I hope more people start sooner rather than later.

[@arielhenrikson1007]

Thank you TFD 🙏

[@SincerelyDiane]

Great video. I just mentioned in my mosr recent video, how investing is an intimidating topic to most. Time literally is money.

[@claudiafernandes128]

That is the final reason I needed to convince my boyfriend to get a new kitty!!! Jokes aside, great job in explaining this Chelsea!

[@FrugalRules]

This is great information to help young people get started investing.

[@kathrynsamuelson1983]

I still think that these should also be aimed at high school students. Not everyone goes to college.

[@caseysullivan8779]

THANK YOU FOR THIS SERIES!!!!!!!!

[@coconutqueenii]

This video should be added to the TFD "COLLEGE" Playlist

[@TheRefinedBudget]

This was so helpful! Thank you 💖

[@GeraldHanson-ll8ei]

Time is one of the most important things

[@iamlookingfornarnia]

I’d love to hear discourse on investing with low income. I work as a para make about 30k, not much wiggle room but I am finishing my bachelors so I hope to double my income. But even so I know a lot of graduates are under employed.

[@NotHPotter]

Any thoughts on ETFs and their possible complicity in the next market bubble?

[@havik141]

21 & just started going to college. Got my free stock and another from inviting someone. I’ve just put in 3$ as well into GNUS.

[@erinnicolefranco6807]

I had 3 audible credits. Now I have 2. Thanks for the book reference!

[@phuyenpham5794]

Can you do a video explains what is the impact when file tax with invest earning? Thanks love your video..

[@alenahnatova4754]

Right now I'm 27, I should have by the end of this year savings for one year of living which is my comfort zone of savings. Next step for me is to repay all of the debt I have within next 5 months and then I want to start investing. So I'm starting to learn about it as much as I can and by the time I'm 28 I would like to start. However I am already saving for my retirement since I started working full time, so that is 4 years already. I'm saving 1,000CZK/month, that would be around 43USD/month to get the maximum contribution by government.

[@MartyD]

_stonks only go up!_ 📈

[@Lillith.]

I've started my first bond almost 3 years ago. I give companies money to get solar panels and based to how they deliver my interest is payed.

[@Gerardwaysleftarm]

Is it bad that I’m a 15 year old who wants to invest? I work and have a bank account with about 1k in it. Mainly from saving. Could this be helpful for me?

[@ericworthington7299]

Yes ,start investing early/now & you'll be in a better financial position later in life...

[@lenguyendieulinh5902]

great explanation

[@georgehowelliii5666]

Great video!!

[@cobenblack1876]

One thing to watch out for that wasn’t mentioned. There is a difference between average return and capital growth. Eg. Your cash goes up 50% year 1 and then goes down 50% year two. If you had 100 dollars then you’d now have 75. Your average return would be 0%. Your capital growth would be -25%. Equally, this makes it very difficult to judge stocks based on their previous rate of return. A stock that returns a lower average rate may just be less volatile. Equally, a lot of investors on KZbin have only been investing for years during an upward market and are yet to see a downswing so their success is akin to buying a house, painting a wall, seeing the value triple because the market goes up and claiming that your renovations created the value. Certainly not suggesting people don’t invest, but understand that it’s more complicated than it appears to be and a lot of you tubers gain exposure from having videos on popular topics such as what index fund should I invest in? TFD great as always though!

[@trackguy4038]

Vanguard is owned by the clients. Jack Bogle through the finance industry was not serving the customers. So Vanguard is basically a non profit company.

[@Iamjustherek]

I was very lucky in that my first job out of college was with a bank and at a branch that held our investment reps. The bank provided a 401k and match up to 5% and during the time I was working there I had plenty of time to build a rapport with the investment rep. So when I decided to pursue graduate school 3years later I had saved about $7000 and I worked with our rep to roll it over to a Roth IRA and it was INVALUABLE to have the money to pull from getting set up with a new job in a new city.

[@TrappedQue]

Hmmm...I thought IRA stand for Individual Retirement Arrangement.

[@berlin2985]

what is a preset portfolio?

[@jang6812]

This robo advisor stuff is interesting. Is there something similar available for real estate advisement?

[@dev_raga]

Good summary

[@riankagill]

why do i feel even more confused about investment after watching this video

[@shaquicedacosta]

Investopedia.com, so many words I had to look up...also, I'm sure TFD would love if you watched the videos multiple times lol

[@isabelchaparro2608]

Two Cents has some good videos on savings, finances & money topics in general 😄

[@riankagill]

Isabel Chaparro thank you so much !!

[@mikeg9b]

It wasn't one of her better videos. I hope she realizes that and makes a better one. Here's a good book: www.amazon.com/Elements-Investing-Lessons-Every-Investor/dp/1118484878

[@jinkiesjess]

I've been doing some research on investing recently and I have a dumb question that I can't find the answer to. Maybe someone here knows. If I lose my job or something happens and I can't afford to put any money into an index fund for a month or so, would that somehow screw up my account? I imagine that it just means that's that much less money invested. But are there other consequences? If you have to stop investing for a bit, can you just pick up where you left off later?

[@talkswithyazz]

jinkies jess there shouldn’t be any consequences. You should only invest money you don’t need. The more time you leave it in the account the better. No amount is too minimal. Whatever you’ve deposited will continue to grow. Check with your brokerage to make sure there aren’t any inactivity fees.

[@jinkiesjess]

@@talkswithyazz Thank you! :)

[@Themystergamerr]

I’m opening junior investment ISAs for my 6 and 4 year old as soon as their dad starts paying child maintenance. I hope that will inspire them to keep investing when they come of age

[@ositahok]

Hey Chelsea! Do you know any robo-advisor that accepts investors from outside of the US (non US residents)?

[@shaquicedacosta]

American overseas, in my experience to invest in another country you had to either have a bank account registered in said country or be investing with a brokerage that offers foreign investments. I hope they answer CAUSE I'd love to know if there's a work-around.

[@muskduh]

thanks for the video

[@APDS-Akin]

No disrespect to the ever so earnest Chelsea but the hype of 0:45-0:52 might not work on some of us b/c of the..'design'..of certain social assistance programs and the limitation of what you can engage in. What is more particularly on my mind, is how it would be like for those of uswho are on social assistance programs due to disabilities--in a specific Canadian province, more specifically

[@YestoHawaii]

Cute apt decor!!

[@monicamendoza7435]

A new quarantine level unlocked. View a video of a channel you subscribe to within SECONDS of it going up.

[@haleyrose1709]

should you have an app like acorn and invest or try and get fewer student loans?

[@angelivan3863]

Yee I’m 15 rn need to learn more and find mentors tho

[@Catyren]

I get investing. But I still have no idea how to actually get started.

[@imogenhubber2596]

In Australia, we have compulsory 401k (called superannuation). My job compels me to put 15% of my salary into it (most jobs are more like 10%). If this is the case, should I also be investing (e.g. in an index fund) my take- home pay rather than saving?

[@hui-lintan3290]

It depends what your goals are. You'll only be able to access it when you're 60 (if the retirement age doesn't increase). If you want to retire earlier than that or have more flexibility on how to spend your money, it'd be a good idea to invest outside super too :)

[@mihaelatab1039]

Can someone pretty please post a link to the broker vs litter of kittens' ability to predict the stock market study?

[@Phlegethon]

"not to let small market downturns discourage you" ..... like down 35%?

[@mikeg9b]

If you're young, down 35% is not a big deal. I've been through 2000, 2008, and 2020. It happens. The market always comes back. Don't get emotional about it. In fact, the market has mostly come back since the crash earlier this year -- but I wouldn't be surprised if it happens again when things get really bad in Texas and Florida. fivethirtyeight.com/features/worried-about-the-stock-market-whatever-you-do-dont-sell/

[@dumbblonde95]

Your apartment is so pretty!

[@RobynZatara]

Just to be sure, is this described as a "limited series" because it's not going to remain available forever?

[@thefinancialdiet]

It's "limited" because there will only be 10 episodes!

[@RobynZatara]

@@thefinancialdiet I see. Thank you for the clarification! :)

[@Max-so1jp]

So is it to late for people in their early 50s?

[@CaseyBurnsInvesting]

Just get 1% better every day. Only dumb questions are those not asked. Time to start walking Bambi 😂

[@bryanacamillebraxton4770]

Can you start a 401K after working at a company for a few years? Or can you only open a 401k when you start a new job?

[@danielharmon15]

Oof, that Acorns logo is looking mighty pixelated.

[@iamconfusion1791]

OK, if I ever want to invest and the time comes to pick some stocks, I'm getting a cat. Sounds like a win-win.

[@josephfield6969]

4:25 or a goldfish vs r/wallstreetbets

[@collectivecommentary123]

The kittens outperformed the brokers. Lol.

[@NuggetOfDino]

Open a Roth IRA with TD Ameritrade online or another high rated commission free broker on Nerdwallet. Deposit $100. Buy $100 of stock. Sell $100 of stock. Congratulations, you just learned how to trade stock. It's literally clicking buttons and you don't have to talk to or pay anyone to do it if you don't want to. Investing money is like hiring employees that do the work for you and you get and the profit and you can sell those employees when you don't like them anymore. Simply Wall St is a good web site to help select stocks (easy to see what groups of analysts think, somewhat like Rottentomatos ). Invest money you have and don't need to spend. If you owe money to credit cards, you don't have money. Hold winning stocks for 1 yr+ to minimize tax liability. Don't panic sell stocks just because they go down.

[@TheNinjapancake14]

Has anyone used Cashapp to invest?

[@Phlegethon]

brokers vs. illiterate kittens....but what happens when you put them against literate kittens?

[@LoraCoggins]

I know a bunch of newer investors are buying stocks from large corporations like Amazon, Apple, Facebook, and Google, simply because they're worth a lot. However, I don't feel like it's worth it to invest in their stocks because a lot of other people are buying their stocks and I don't trust these large corporations. Does anyone else feel this way?

[@zziggy808]

Investing should be fun. Why is blowing money on a fun night out more normalize than when investing the money over years at a certain rate creates compound interest. Get on that 20¢ iced coffee and invest the savings. Saving will just grow stale in your account cause interest rate. Make your money work for you

[@codorphan5530]

So what you're saying is. We should let a bunch of kittens pick out what we invest in

[@hilaryjoseph9706]

I'm 43...is it too late for me?

[@catharinemarlia6728]

When trying to construct a portfolio that will support financial independence - the ability to retire if you want to and live entirely from passive income with the help Mr *Romero* *pieto* you can achieve that his indeed an expert in this field.

[@catharinemarlia6728]

Hilary Joseph info him at

[@catharinemarlia6728]

*Romeropieto@gmail • com*

[@hilaryjoseph9706]

@@catharinemarlia6728 is this another internet scam

[@sophiacalpi1923]

I need those kittens

[@LinhHueTran]

DIVIDENDS?!! Where is that conversation???

[@mattsmillennialmoney39]

#1 Tip. INVEST EARLY IN LIFE AND DON'T STOP INVESTING!!

[@mp_1231]

I heard.....cats are psychic.

[@mjhmn]

Go kittens!

[@hitmanhitesh2002]

i.e. is that is

[@resthefish]

love this content! as a college student, i try to help give this info to anyone who needs it. I just uploaded a Money saving tips video! have a great day :)

[@mikeg9b]

Since you mentioned that you uploaded a video, I just subscribed to your channel. I love when normal people post videos. It's like a window into someone else's life and thoughts.

[@gingkook]

AAA IM EARLY! since you're reading this, *don't just watch the video, actually do something with the info she's giving you, couch potato*

[@TheNinjapancake14]

Thanks I kinda needed this

[@modernadulting6857]

Investing in stocks is an excellent way to grow wealth. For long-term investors, stocks are a good investment even during periods of market volatility

[@douglascosta1549]

@modernAdultibg

[@pnned1775]

To get rich in life, you need to spend less and invest more. You don't expect to spend 90%, invest 10% and sit to make more wealth.

[@raziyababayeva]

All video long she remineded me of dying. -Like: save money for retirement; do it asap so you can gain more money before you die. OMG why I am earning money if you always remind me of dying....

[@notnecessary7730]

HAHAHHAHA compounded interest??? Where???

[@andresLK]

If you do your own investing, have you ever wondered whether you should turn things over to a professional Financial Adviser ? If you have significant assets, you have probably felt anxiety when making choices with your money. Perhaps you sensed that you might make better investing decisions if you knew just a little more and could invest without emotion. If this is the case, consulting a financial advisor makes perfect sense.

[@andresLK]

@Ilsa Henry I started making cash (maximum gains) when Andrew T. Anton started managing my investment. he enjoys teaching Investment strategies to students to empower them to successfully trade stocks, currencies, futures and options . after developing his own proprietary trading strategy, became the head-trader at his company so that he could share his passion of technical analysis and day trading with the rest of the world.

[@andresLK]

@Earn with Anton

[@LaJiahao]

Chelsea you have a cute mouth