I go over how you can get started with investing in the stock market simply and easily. Perfect guide for beginners, or anyone looking to brush up on their investing knowledge.

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Timestamps:
0:00 - Start Here
1:00 - Before You Start
2:51 - Determine Your Investing Style
4:28 - Types of Brokerages
5:34 - What are Robo-Advisors?
6:33 - Types of Accounts
7:37 - Types of Investments
11:25 - Determine Your Risk Tolerance
12:05 - Example of a Beginner Investing Strategy
12:45 - Conclusion

Before you start, you wanted to have your high interest rate debt paid off and an Emergency Fund established. This is a fund that's held in cash within a savings account, and this is simple - if you lose your job or if you get into an accident, you'll have a fund that covers those unique situations and you won't have to sacrifice your investments to pay for it.

Ok, once you have your basics out of the way, this is when we start getting into questions about what your investing style is going to be like.

Passive investors are usually characterized with getting rich slowly, don't have the time to actively manage your investments, and you might be on the more risk averse side.

Active investors might be someone who wants to make a living off of investing in the stock market, or trading in the stock market. Most active investors pick investing as a career.

Then... it's time to choose a Brokerage.

Traditional: Fidelity, Schwab, Merrill Lynch, Citi Financial, Morgan Stanley, etc - these are full service brokerages that can assist you with more than just investing in stocks.

Then there are discount brokerages, usually that come in an app form, such as Robinhood, WeBull, Public, M1 Finance, TD Ameritrade, etc. These are all apps or platforms that are designed to give you access to investing and be "cheaper in fees" compared to the full service ones.

Lastly there's a new class of brokerage called a robo-advisor, these are your Wealthfront and Betterment, and Acorns of the world - A robo-advisor is a hybrid of the full service and discount brokerage - they charge a very small fee compared to a full service brokerage, but instead of a financial advisor you get an algorithm that helps you invest - often times these are really great choices for passive investors

Within a brokerage, you can either go with a Retirement Account or what's known as a Taxable Account.

But what do you actually invest in?

If you are a passive investor, there are certain types of investments that are well suited for that, for example Index Funds or ETFs.

ETF are a simple, low cost, and effective way to diversify your investment across many different stocks or companies by buying that one fund.

An example of an investment that an ACTIVE investor would invest in, would be for example an individual stock.

You should always assess your risk level. Here's a questionnaire from Vanguard you can use:
https://retirementplans.vanguard.com/VGApp/pe/PubQuizActivity?FW_Event=IQViewEvt&ANTI_CSRF_TOKEN=QK2U-DA46-6QBG-PUYV-N9LV-SQLI-9FXD

A good investor is always trying to figure out the best risk/reward ratio for their own situation.

There are a lot of investment strategies out there, but I at least wanted to share with you one Beginner Strategy of investing for the passive investor that I talked about earlier and that is A three fund portfolio: that consists of buying 3 basic asset classes in the form of an index funds: one for total domestic stock market, one for international, and one for a bond fund.

📧 Contact: If you have a question feel free to leave me a comment on my videos or follow me on IG and send me a DM! If you have a business related inquiry, please then send me an email at humphreytalks@gmail.com

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!

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