What The Heck Is An Index Fund?

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Despite only promising "average" results, index funds have become one of the most popular choices for the majority of investors.
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Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions.
Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson
Directors: Katie Graham & Andrew Matthews
Written by: Andrew Matthews
Executive Producer: Amanda Fox
Produced by: Katie Graham
Edited & Animated by: Sara Roma
Images by: Shutterstock
Music by: APM
SOURCES:
www.ific.ca/.../who-we-are-hi...
www.statista.com/topics/1441/...
us.spindices.com/.../spiva-us...
fortune.com/.../30/warren-buff...
www.npr.org/.../housecat-beat....
www.investopedia.com/.../mutu...
www.investopedia.com/terms/r/...
www.morningstar.com/.../morni....
www.investopedia.com/terms/a/...
www.businessinsider.com/a-ran....

[@PremSteve-yg4de]

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 whenever you can afford to. This can be easily done because close-end funds are bought and sold on the stock market like regular stock. That’d be enough to create a portfolio that would pay you between $50k to $70k in dividend income

[@edelineguillet2121]

The availability of opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional

[@belobelonce35]

I agree; I have about $1m in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!

[@fresnaygermain8180]

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

[@belobelonce35]

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

[@BateserJoanne]

I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.

[@RangerRuby]

How on earth is all this information free? Am I a nerd for saying I genuinely found this video interesting? It made total sense and I had fun watching it.

[@DarioKham]

They have a patreon account if you feel that guilty for consuming it "free." 😄

[@TJ-oo5mx]

If you're American your tax dollars pay for them. They work for PBS

[@josieschmo4172]

@@TJ-oo5mx The Corporation for Public Broadcasting is taxpayer funded but reportedly only accounts for less than 15% of the revenue stream of PBS. That's why they hold telethons and kindly request donations.

[@rawlr9066]

It's not free, youtube pays them based on daily/monthly views.

[@lucky-mud]

He means free in the sense that HE isn't paying anything directly, not that they work for free.

[@ChristopherAbelman]

I feel investors need to be focus on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

[@PennyBergeron-os4ch]

I agree that there are strategies that can be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience

[@FinnBraylon]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember years ago when I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k

[@HildaBennet]

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

[@FinnBraylon]

Sonya Lee Mitchell is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets

[@FinnBraylon]

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

[@nickolas6614]

This channel is perfect for lowering the barrier to entry on financial literacy. You should try to advertise it to schools nationwide!

[@davidhutchen6023]

All thanks to funds_hack on instagram that dudes got me $5000 on my cashapp account you can also message him via whatsapp [phone]. He has been a great helper to me and my family.

[@Yungwrld999]

Seriously!

[@Yungwrld999]

I’m in class right now watching this for an assignment.

[@sloketamang1623]

Before this channel i always used to zone out when people talked about finance, now i can actually give MY two cents. xD

[@TwoCentsPBS]

Wow, that's such an amazing change. The more you chime in, the more you're learn, and so and and so on!

[@ajnasu5099]

Excellent video content! Sorry for the intrusion, I would appreciate your initial thoughts. Have you tried - Rozardner Mind Tricks Reality (just google it)? It is a good one off guide for revealing the trick to get the mind of a millionaire minus the headache. Ive heard some pretty good things about it and my cousin after many years got astronomical success with it.

[@chiquitoromulo5930]

This is glorious, been searching for "can i buy index funds on robinhood?" for a while now, and I think this has helped. Ever heard of - Giyincoln Especial Genie - (just google it ) ? It is a smashing exclusive guide for discovering how to manifest success in life using this technique minus the headache. Ive heard some pretty good things about it and my work buddy got excellent success with it.

[@davidhutchen6023]

All thanks to funds_hack on instagram that dudes got me $5000 on my cashapp account you can also message him via whatsapp [phone]. He has been a great helper to me and my family.

[@maukschilol]

Well. Interesting graphics, simple explanations and some humor sprinkled here and there. THAT'S how education should work to keep people engaged.

[@ChrisInvests]

I always recommend index funds and ETFs! They are probably the easiest way anyone can build wealth 😀👍

[@TwoCentsPBS]

They can really be an effective and easy way to invest for the long term -- so glad you chose to join us Chris! -- P

[@MoneyMan28]

No real estate or your house is better because you own, control and can manage it anyway you want

[@jasonsanders8623]

Money guy nope, no compound interest with a house "money guy"

[@MoneyMan28]

@@jasonsanders8623 Are you insane? Have you lost your mind? Google what is Rent and what is Appreciation and what is Inflation. Real Estate will always be better than the stock market. With stocks, you don't have a fucking clue on what the fuck is going on in the company. Only the ceo and managers do. They can post a $22 Billion dollar loss like GE past quarter and you can't do shit about it. Do you wanna pay rent for 70 years or for life or pay the mortgage for 10 years on a cheap $100k house? Which is more 70 or 10? Are you smarter than a fifth-grader? kzbin.info/www/bejne/fIuvZH1vg61nsK8

[@BernardoLeon]

Money guy I’m not sure and wanted to ask: Don’t you pay more taxes with real state assets?

[@lu881]

"Aiming for average might be the best strategy of all" That's what I wish she said :'(

[@hagenherrmann8204]

correction: the fund has to make 1.4% plus the rate of inflation, just for the investor to not lose money! that would be ~3.5%!!!!!

[@TwoCentsPBS]

You're right, if you're talking about the "real return" (aka, return after inflation). But we were talking about making more money, not *necessarily* higher purchasing power. Thanks for the clarification!

[@hagenherrmann8204]

@@TwoCentsPBS That's fair. As an investor, the real return is the one that I look at when all is said and done. Thanks for your response to my $0.02!

[@beddythecorgi4269]

The rate of inflation is a huge wild card. The inflation and market crash hit people at same time.

[@Le_monsieur]

How are y’all making 4%????? I am only averaging 1.22% at the moment……..

[@syedsufiyan4330]

I want Orlando to be my fund manager!!make it happen!!

[@raychristopher7797]

We are already in a big crash Inflation is a catastrophe. This CPI report is a colossal failure. To bring the housing market to a halt, the FED will have to pull all the stops. The unfortunate issue is that other markets are being decimated. If you want to stay green, you have to rely on a lot of diversification. Currently up 14% and being careful. Still a better deal than leaving it in a savings or checking account yielding 0-1 percent interest.

[@harrisonjamie794]

Whichever firm you select, make sure you get your insurance from a reputable financial adviser, such as KRISTIN GAIL CUNNINGHAM who has dedicated her career to financial planning. Because they will assist you in escalating, navigating better, and completing the task in a safer manner.

[@raychristopher7797]

@@harrisonjamie794 I want to build a diversified portfolio based on my personal income. I am easily triggered/highly emotional, which could be detrimental to my portfolio. I hope I am a patient and systematic person. day trading is not for everyone and multiyear holding is not for everyone. I know my strengths that's why I need proper guidance to be able to venture

[@harrisonjamie794]

@@raychristopher7797 I have saved myself from all the hassle that chaotic market causes. These days the best way to come into the market space is by reading, studying, being patient, and seeking guidance when necessary, due to my line of work I can’t handle my portfolio so I just copy the trades of my FA. I saw her on Bloomberg business news. It’s been smooth since then.

[@raychristopher7797]

@@harrisonjamie794 Please, how do I connect with your financial planner?

[@harrisonjamie794]

@@raychristopher7797 Surf the web for her info it's easier to get on her webpage.

[@brentsievers3293]

I've said it before and I'll say it again: Best channel on the Tube

[@sal_strazzullo]

@North American KZbinr _"Wassup everybody, I am Jaspreet Singh, and welcome to the Minority Mindset"_

[@MsPants1632]

Yes. Great info and given in such basic terms even I understand it 🤣

[@joelman1989]

100% agree

[@Will-jg2zs]

I swear, Phillips mustache grows more and more by the week.

[@ichangemynameregularly]

that's how mustaches grow to be honest XD

[@vandorb12]

Wait until Movember!

[@theulmitter5725]

That's biology for ya!

[@eileenlester3313]

Frightening.

[@Bubbasizer]

I love the simplicity of index investing. From buying to selling all from your own home within minutes.

[@jamesjamias6796]

Very Informative! Thank You.

[@ballzock1039]

I learn more from you guys than I do in school. I love how you simplify the lesson instead of using so many complicated terms. The presentation is very basic appealing. That helps me focus.

[@UnboxMaster]

Thank you so much for posting this I was quite curious about it for a while...

[@TwoCentsPBS]

You're welcome, thanks for watching!

[@michelarosier1918]

Me two.

[@davidhutchen6023]

All thanks to funds_hack on instagram that dudes got me $5000 on my cashapp account you can also message him via whatsapp [phone]. He has been a great helper to me and my family.

[@UnboxMaster]

@@davidhutchen6023 do we really seem that stupid to you???

[@davidhutchen6023]

@@UnboxMaster This is very real and legit. Message him and thank me later, I was also shocked I taught it was a scam but real. There are still real hackers dude

[@charleskuhn382]

I was gonna explain this to my wife today, this is much better! Thanks

[@AlexS-oj8qf]

I asked PBS for more funding for this channel on the quiz you give us a few months ago lmao

[@Jeff-qx8fr]

Love your videos!! Can you do a video explaining employee stock purchase plans? I get it as a benefit for working for my employer and I just don’t know how it exactly works! Thank you!

[@TwoCentsPBS]

They're confusing to be sure. I can see us making an episode about employer stock plans in the near future. Make sure you subscribe!

[@absarahmed9905]

True that... I can testify to it. I was given plenty of stocks, but then covid came and ate it all away... Including my job 😔

[@303sky]

Prenuptial/Postnuptial agreements would be a great topic to touch on!

[@MrWackozacko]

Big time. Ever since i bought a house by myself i have been paranoid about the government giving it to my future ex wife

[@ikb8373]

@@MrWackozacko 😂😂😂😂😂😭😭😭😭

[@death363]

holy shit julia looks so different at the ending segment. I thought she was a different person!

[@junatanne]

Just want to inform you, the link for Serving Up Science brought me to an old channel of theirs, I think. Cause I tried to doddle around and found PBS Food channel. Have the same host and theme. I think that's their channel now. Just fyi. Love this vid btw. Julia is more blooming than usual. Thank you guys for all the finance info help.

[@eddiethompson1326]

Such a phenomenal show. LOVE IT. Thanks to all who put effort into creating one of these episodes. Question: Just as mutual funds were the large investing vehicle of the past, index funds and FTE's are becoming the new large investing vehicle. What are new and up-coming investment vehicles that are slowly catching on now that 'might' be big in the future? How do they compare to the older types of funds? (mutual and Index / FTE)

[@mwam1985]

Step 1- Get out of debt as fast as possible Step 2- Invest 15% household income

[@brennancarr2611]

Depends on your interest rates. Dont waste money paying down low interest debt

[@zucchinigreen]

You don't have to get out of debt to start investing. Check out one big happy life's channel and they're thoughts on why you should invest no matter what your financial state.

[@MsPants1632]

Step 3- stay the course and don’t get distracted by shiny things!!

[@joelman1989]

Step 0: live below your means Step 1.5: build an emergency fund

[@TruthlessHero86]

15% of household income before or after taxes?

[@briggsloft9475]

Love this channel!!!

[@RobertHildebrandt]

Two questions: - When I invest in multiple index funds ti increase diversification, how can I minimize overlap? - Tips for ethical investment with index funds (beside ESG variants) would be fantastic

[@AaronLebahn]

For your first question: It's easiest to use index funds that don't have any overlap to start with, such as US stocks, bonds, and international stocks. I don't know about your second question.

[@MichaelKohout1978]

'Beta' is a measurement on how a fund responds to market movement.

[@NH-ou4ks]

Blackrock has a sustainable ETF stock I invest in for ethical reasons^^

[@grandspartan1176]

Thanks for the channel recommendation. I am going to check it out.

[@Iffy50]

Thank you for explaining in detail! This is a great video!

[@alenpaul2523]

Love this . I was actually researching what index funds are . A good coincidence.

[@NickPeitsch]

Index funds and ETFs are an excellent way to match market returns at a VERY low cost! Great vid 👍

[@AlfredEiji]

3:43 So, you’re telling me that getting a cat would give me the best return on investment? Great! I wanted to get a cat anyways.

[@red_dll]

Only if you call your cat Orlando.

[@davidhutchen6023]

All thanks to funds_hack on instagram that dudes got me $5000 on my cashapp account you can also message him via whatsapp [phone]. He has been a great helper to me and my family.

[@vicgamesvt9682]

@@davidhutchen6023 I think if there was a guy giving people free money he would be more popular

[@davidhutchen6023]

@@vicgamesvt9682 He is a hacker he helped me too, you can message him on Instagram and give him a trial

[@davidhutchen6023]

@@vicgamesvt9682 message via whatsapp [phone]

[@joecurran2811]

Great video, can you talk about REITs?

[@retchielabol272]

I have learned a lot in this channel. As a new college teacher here in the Philippines, this channel helps me understand finances better. Thank you.

[@Cyklone56]

Honestly, you guys' videos should be played and taught in schools (i was never taught any of these things growing up), and maybe even have a focused / more detailed version of them on Udemy or a similar website as actual paid online courses for those willing to really delve deep into finance

[@anthonymeleco2280]

Love these videos! Also the intro with the piggy bank is amazing 😂 Also, Serving up Science is an older channel? The latest video is a year ago :'(

[@TwoCentsPBS]

They're doing a re-vamp with new episodes and a partnership with PBSDS! Check 'em out!

[@vitodai8999]

Could you do an episode on how the index fund value is computed? Is it just one share from each company in the index? What happens when one company's share price goes way up or down? And how does the fund react to changes in the index itself? For example, a company can be removed from the S&P 500 index.

[@sardan_296]

Awesome as always, thank you both.

[@sagenosnibor9173]

So glad I found this channel! I HATE the music 😂, but ❤ the content! THANK YOU for your priceless knowledge 👍

[@silverlina]

This is one of my favourite Finance YT Channels! You guys are too adorable and the information on this channel is very valuable and informative. Thank you so much for creating amazing content!

[@GioDagher]

As far as diversification goes, you specifically recommended subscribing to ~3 index funds, which would already be a wide array of different investments. Do you have any specific rules of thumb as far as what percentage of your investments should go into index funds versus, say, mutual funds and other investments you've covered in past videos?

[@1wasinAlpha]

Watched around 10 videos of yours, finally subscribed :)

[@WealthbuilderzTV]

Great video. I’ve invested a few different index funds.

[@echuynh]

Awesome channel! I hope this channel stays around for a long time! The U.S. population needs it.

[@khangle1841]

Great vid, I learned more things about index funds thank to your vid! Can you guys think about making a video showing example of a portfolio of "3 or 4 index funds" that give AVERAGE annually nice return (7%) =) ? Thanks

[@healthshareu5908]

Another great video! Thanks Two Cents!

[@Vaughnfriday]

any 2cents for expat finances? like transferring currencies or what investment accounts can be used?

[@marcustraore545]

At least I have learnt something I had no clue before. Thanks

[@dlseller]

Hey guys! I love this channel. I was wondering how one goes diy indexing. If I know what stocks are in the index, why can’t I just buy them all myself?

[@Middlenamejane]

Oh I'm glad I found these videos :) will be bingeing every one this weekend. Is a index fund a retirement package or can you pull out after ten years? Could someone point me in the right direction to a short term investment fund for independent contractors/sales workers? Those jobs are usually not lifelong and an exit nest egg could be a life changer. EDIT: I see I asked this question 3 years ago. I'm returning to these videos in my last year in college for financial advising. I eventually felt capable of going for it when my casual vocabulary grew larger than the average Joe's. Thanks

[@feynstein1004]

As a person who hates uncertainty, this really hits close to home. I'd rather have my investment grow at a constant rate than have it fluctuate between extremes or even go to negative figures.

[@joelrankin]

These videos are very, very helpful.

[@kaelahendricks6039]

Could you do an episode that explains compound interest? Or maybe explaining the difference between revolving credit and fixed credit!

[@zegy8454]

I love this channel! Thank you for all these videos :)

[@alexsmith8956]

Just a heads up, but you spelled John's last name wrong around 4:05. Love the video!

[@johnott4149]

Love this show

[@theturkishinvestor6364]

Great video!

[@jj-bu6yb]

I love so much how easy you make these things! Love from Italy

[@EvilGenius007]

Any reaction to Michael Burry's recent statements about index funds and their saturation? Or, generally, what should the average investor do when what they're invested in is getting covered in the news but not in a particularly positive or negative light?

[@krisvincent]

Love your channel.

[@ramildeasis2523]

great presentation, you just earned another subscriber

[@naderaladawi4326]

Another great episode in you series that made me so much regret I didn't watch you earlier or tapped into investing earlier. I did that recently 2 weeks driven by stagnant business and dropped cash flow. I also liked the match of colors in your clothing's that is evident in each episode. :)

[@alanyoung159]

I tell my non financial savy friends to watch your videos al the time. Great job and keep it up!!

[@rmt3589]

One of my subtopics in my paper I just planned out for class on Tuesday is Index Funds. Thanks for giving me a pbs citable source!

[@danielliverman717]

My wife and I love your videos! Keep up the good work

[@vvak9705]

Can you please discuss SWR. Safe withdrawal rate

[@Kaizer177]

I am learning something new everyday 😱

[@darrenzou2483]

I want to invest in Orlando

[@sokra]

Great shirt

[@johnpaulr3211]

I recently got a job in asset management, your videos are a real life saver! Thanks you two!

[@faithlesshound5621]

Now that's a worrying thing to hear.

[@chameleonhound]

Great video! Can you please do a video on Socially Responsible Investments, SRIs? Also, your link to Serving Up Science didn't work! FYI.

[@uberhobo2]

This is all interesting stuff, and it's teaching me what to do once I have money to lay with. But is there any advice you can give about pulling yourself out of poverty? So many of us tradesmen work 40+ hour jobs, (often more than one job) and still barely survive paycheck to paycheck. I myself am constantly one ER visit away from losing everything I worked so hard to build.

[@TheUnicornQueenT]

1. Sell things you don't want or use on online resale shops like Mercari. 2. Discover what you're REALLY GOOD at and turn that into a business. 3. Cut back on unnecessary spending and use what lil you have to start investing TODAY. 4. Research Passive Income here on KZbin. You can start making money in your sleep. All the best

[@mobius7927]

Welcome to america

[@cancel.lgbtq.6892]

Slow & steady is the way to go ~

[@TheGetout04]

I've grown to love that mustache

[@philipolson715]

Thanks dude!

[@davidhutchen6023]

All thanks to funds_hack on instagram that dudes got me $5000 on my cashapp account you can also message him via whatsapp [phone]. He has been a great helper to me and my family.

[@chynacouponer2292]

Please make a video on mortgage terms What is equity What is escrow How to know to get the best percentage

[@avecforte8851]

Great!

[@talknight2]

Last week I split my pension funds 3-ways between a general low-risk fund, S&P-500 fund and general stock fund. Now to see which one does better :)

[@roywalker270]

Hi, I really enjoy your videos. Can you do one in Indexed Universal Life Insurance (IUL’s)? There’s a guy named Doug Andrew that talks a lot about them for your reference/research.

[@vvak9705]

Can you also talk about dca or dollar cost average. Is it better than timing the market?

[@anguievides8728]

How and where do you go to invest in all this though?

[@alex_squeezebox]

This is really good stuff, but I wonder if since there's so much invested in index funds following large companies such as the ones in the S&P 500, won't those companies end up being over-valued, since so much stock in those companies is automatically from the index funds? It makes me think that the companies that are almost but not quite big enough to be in the S&P 500 might be particularly good investments since if they can get big enough they'll get that huge boost from all the funds invested in the S&P 500!

[@VarunRamanathan28031999]

I'd like to see a "from scratch" explanation for how "markets" work (how it started, where does the money come from?), how different kinds of "funds" work (again, how it started, where does the money come from), etc I don't want any implicit assumptions in the model ("let's assume that this is how markets work. now, let's see how funds work"). No, I want a complete first-principles explanation to the world's financial systems, not just a black box understanding. Can you suggest some books or resources? I don't need 100% details, but I need enough details to feel that this isn't sorcery. I want to know the history behind how our current financial systems came to be. A good example of such a resource for an unrelated topic, quantum mechanics, is the book "Quantum: Einstein, Bohr, and the Great Debate About the Nature of Reality" by Manjit Kumar. It explains how the need for quantum mechanics arose and what are the problems that it solves in our understanding of the world.

[@jimdaniels4595]

What strategy should one employ when looking to diversify?

[@junliang7965]

Kudos for mentioning Jack. What he accomplished is like an angel sent down from above to help the average investor.

[@gush9348]

Wow!.. first time here, great vid

[@jesswalsh4119]

Any thoughts on Michael Burry's recent comments comparing index funds to the subprime CDOs that caused the 2008 crash? (I love index funds and will keep my money in them.)

[@Didisayhi]

I own some vanguard s&p 500 etf voo!!!

[@aikoralambo]

Amazing video 👌 can you guys maybe do a video about investment strategy for people starting investing only in their late 30s ? 🙏🙏🙏

[@ryanmathis8286]

@3:09 some hasn’t seen “back to the future.”

[@Michael_NV]

Long live Jack Bogle!!! I've learned from him more than from all others together.

[@Jayhbentley]

He died earlier this year, so...

[@Michael_NV]

@@Jayhbentley King is dead. Long live the king!!! Mr. Bogle died, but may his deeds live forever.

[@alearrowbull8184]

Is there any way to look up a list of indexes ?

[@Mr-te7zk]

Where do you invest into an index funds?

[@RameshSonawane24_1989]

I'm from India. This channel provides great content. Thanks to your efforts

[@ajesusencounter8261]

Kirshenbaum is a great last name (6:29). I believe bit means _cherry tree_ in German

[@linkdude64]

RIP "Jack" Bogle!!! Thank you so much for fighting for the little guy! Edit: You can watch John Bogle talk about investment right here on youtube in excellent long-form interviews. Edit #2: Try looking up the stock ticker VOO - this is the Vanguard ETF with the lowest maintenance costs!!

[@Ascorbicon]

So would it make sense to put the majority of savings in an index fund since the return is 7.4% annually vs high yield savings account that max out around 2.5% APY which is a little higher than the rate of inflation right now?

[@mercurianmoonmystic2908]

Insomnia@ 2:45 am “ *learning is fun* ” :D

[@ChunWong]

awesome

[@bluebyyou7504]

This helped a lot.

[@FunnyLifeShorts718]

2:34 is incorrect the stat was 90% performed worse after including the cost of paying the hedge fund managers so the hedge fund managers actually very very slightly out performed the market but by such a small margin that you should not be paying them to make these investements.

[@Some0ne001]

So Mr. Whiskers which stock should i pick this month?