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How To Invest In The Stock Market For Beginners In 2018! 💸

Hello everybody and welcome to the video my name is Brandon and today we’re gonna be going over how to start investing in 2018 as a complete beginner or as the kids like to say these days as a new and before I get into the video I of course need to take a quick second and give a huge thanks to mr. Ryan Scribner guys he was truly the one that inspired me to get into YouTube you know he’s been an absolute role model to me he’s someone that I very highly look up to so to be featured on his channel like this I can’t even begin to express how much that means to me so Ryan as you already know my man thank you bro and thank you to everybody that’s watching this video I really do appreciate all your guys’s time and I hope that you guys are able to get some good value out of this video so how this is going to work is that we’re gonna be breaking this down into three main sections we’re first gonna take a look at what you need to do before you invest we’ll talk about what to expect when it comes to investing we’ll look at getting your financials in order then we’ll touch on choosing your broker so this is actually where you’re gonna be hosting your investment account then we’ll go on to talk about getting your investment accounts set up once we’ve got that out of the way we’ll move on to the second component of the video which is actually the investment aspect we’ll look at establishing what we’re gonna call your asset allocation which is essentially the targets or the guidelines that you’re going to be aiming for with the money that you’re investing well then take a look at the different investment options that you have stocks bonds index funds we’ll look at the pros and cons of each and see which is the most suitable for you finally we’ll move on to the last section of the video it’s what to do after you’ve got your portfolio up and running so once you’ve made your first investments you have to make sure that you’re keeping up with your portfolio this would involve monitoring your investments learning how to rebalance your portfolio to make sure that you stay on target and putting money away on a consistent basis to continue building up your wealth so without further ado guys let’s get on with the video again I thank you all for watching and I really do hope you enjoy so first and foremost we’re gonna talk about what to expect when you invest and you know some very common questions that you’ll hear from new investors are things like well is investing risky or am I going to lose my money in the stock market and those are actually two very good questions and a lot of new investors would actually be surprised to hear that if you invest properly you should not lose any money now let me rephrase that so I don’t cause any confusion the value of your account will absolutely fluctuate you know when you’re investing in assets that everyday are going up and down in value there are going to be periods of time where your returns are not so favorable but keep in mind guys you haven’t actually ever lost money until you decide to sell your investments at a loss and to explain this let me bring up on the screen here a chart that actually dates back to 2008 in 2009 and this of course guys was the financial crisis this was actually the most recent stock market crash that we’ve experienced you know you may have seen the movie the big short well that was based off of this and guys this was actually a very scary time for some investors it was the largest recession that we’ve seen since the Great Depression back in 1929 stocks lost 40 to 50 percent of their value a lot of investors lost a fortune you know some of them half of their retirement savings during the stock market crash because they got scared and they sold their investments at a loss but Brandon I thought you just said investors can’t lose money well what I credit this to is them coming in with the wrong expectations in my opinion investors that lost money during this crash were uneducated and didn’t have a proper understanding of how the markets work because as devastating as this market crash was we take a second here to look at the bigger picture and what we’re looking at here is the performance of stocks and these other assets over the long term so dating back to 1926 and looking at this chart what is the first thing that we realize stocks the stock market these assets they appreciate and they grow over time now it is absolutely not a smooth ride as we can clearly see but guys as time goes on things move in this direction and if we were to project this chart 30 to 40 years out this is exactly what we could expect to see and the financial crisis that we just looked at that was so devastating well that is this right here so it doesn’t seem so bad in the big scheme of things so what I’m trying to get out here is that as an investor there are going to be periods of time where your investments are down and you have to be ok with that just understand that these short-term fluctuations these temporary pull backs are absolutely normal and they are nothing to be scared about and just for your reference you know what type of returns can you expect as an investor over the long term I always like to say right in that 7 to 8 percent range and where do I get this number from well as we will look at later in the video the S&P 500 index which is essentially the 500 largest companies in America this index grows out of belt that rate and again we’ll touch on this more later in the video but I think that 7 to 8 percent is a very reasonable rate of return that you can expect and just to clarify here that does not mean that we would expect to see exactly 7 percent growth every year we think back to that chart that we just looked at guys and investing in the stock market can be quite volatile so the average rate of return evens out to be about 7 to 8 percent but guys you know the returns can be all over the place you know some years you’ll see the gains of 20 percent the next year very well maybe down 20 percent you just need to come in with that long-term mindset and understand that yes over the short term things may be volatile but over the long term you stay invested you’re gonna make some good money and as I like to say you just gotta trust the process oh.just opossums in transition now once you’ve got that engraved in your mind that investing is a long-term game the next thing that you need to do is get your financials in order and there’s really two main things that I want to talk about in this section the first is setting up what’s called an emergency fund and this is what all the experts will recommend that you do before you invest you never want to have all of your money invested in the stock market because if for whatever reason you may need some of that and if it just so happens to be that the markets are down well then what happens is that you may be forced to sell at a loss to get some of that cash so what the experts will always recommend is that you keep three to six months worth of living expenses held on the side and that would be in a separate account either held in cash or maybe invested very conservatively so in an investment that’s highly liquid meaning that it’s very accessible for you now whether you decide to do this or not I mean the choice is up to you and I’ll be completely honest with you guys I don’t currently have an emergency fund and the reason behind that is you know I think that this becomes much more important you know the older that you get if you’re someone that has people depending on you we think of maybe you have children or you have a family to support if you were to you know god forbid lose your job well that would be detrimental and you know having this emergency fund where you have cash set aside would be huge for a situation like that as a younger person I don’t think it’s as big of an issue but that’s just strictly my opinion but the second thing that is an absolute must no matter how old you guys are is to pay down any high interest debt and this would be something like a credit card balance or maybe you’ve taken out a cash advance or a high interest loan I mean it really doesn’t make sense if you know in your investment account you’re earning seven to eight percent yet you’re paying twenty one percent on you know an outstanding credit card balance there’s no question about it you’re absolutely going to want to pay those debts down before you get into investing now that we got those out of the way the first real decision that you have to make as an investor is choosing your broker or your brokerage and this is essentially where you’ll be hosting your investment account at and you really have two options as to what you can do here the first option is to go the traditional route and this would be going to somewhere like a bank or an investment firm and with this option you’d be late with an investment advisor so if you’re somebody that wants the guidance you want help with your portfolio you want to build a relationship with an advisor with a professional going forward I think that this is a great option for you and you know I am a huge advocate of working with an advisor if you can find a good advisor they can bring you so much value if you’re able to find a good advisor now the second option that you guys have which is very popular nowadays is to go with an online broker or a discount broker or you know a self-directed account and you know those words can be kind of used interchangeably and with this option you guys would not have an investment advisor shoe you would be completely on your own you’d be the one making all the investment decisions you’d be the one that’s in control of your portfolio so if you’re somebody that knows exactly what you want to buy you don’t need the help of an advisor this would be a great option for you and I’ll go out on a limb here you know as viewers of this video you’re eager you know you’re self educating right now so I’ll assume that this is likely the route that you’re more interested in now which is the best broker to go with you know that’s a tough question to answer you know I’m over here in Canada and the platform that I always like to recommend is quest trade you know I think it’s a great all-around platform it’s very simple to use for beginners they have very low Commission costs so when you buy and sell stocks you know you pay a little bit those commissions I think are as low as 495 per trade it’s the platform that I use over in the states I’ve heard Robin Hood is a great platform you don’t even have to pay commissions on the trades that you make there TD Ameritrade you know these are both two I think great platforms and I definitely recommend you look into these more because you know I can’t talk from experience there and give you guys a good recommendation on which is the best broker to go with in America and just to clarify here this is where you’ll be hosting your investment account at so if you decide to go with Robin Hood well you’re gonna have a Robin Hood investment account if you decide to go with Quest trade you’ll have a quest trade investment account they’re just equivalents of each other it’s the same as saying well should I bank at TD Bank or Royal Bank or JP Morgan or Citigroup now once you’ve chosen your broker the next step is deciding what type of investment account you want to open because there are all types of accounts for you to choose from and again just to clarify here you know your investment account is very similar to a bank account you know you fill out the paperwork you open but with an investment account you’re actually eligible to hold stocks bonds mutual funds ETFs pretty much any investment vehicle that you want which is something that you can’t do in your bank account so what you’d be doing here is that once your investment account is opened you would essentially be either transferring or depositing money in from your bank account once the money is in the investment account then you can go ahead and buy pretty much whatever investment asset that you want and like I said there are all types of investment accounts that you can choose from again here in Canada you have the RRSP the TFSA you have cash accounts margin accounts but the account that I always like to recommend for beginners or for new investors is to go with the TFSA the tax-free savings account and as the name implies this is an account with very few tax complications you pretty much just pop money in you can buy and sell stocks you can let your investments grow tax-free you can make withdrawals tax-free it’s just an all-around great account for a beginner and the closest equivalent to that over in the States would be the Roth IRA and I apologize that I’m not gonna be going into any more detail about the different accounts because this really is a personalized matter you know your circumstances your financial situation all comes into play and there isn’t necessarily a right or wrong with which account to go to it’s tough to just give a blanket recommendation and say hey you know this is the best account to use for you but what I would highly recommend is to go do a little more research online there are ton of resources whether that’s you know on YouTube or googling you know the pros and cons of the different investment accounts and seeing which is the most suitable for you so let’s make our way onto the second section of this video it’s probably what you guys are all here for it’s the nuts and bolts of building your portfolio so let’s assume that at this point you’ve chosen your broker you’ve set up your investment account whether that’s the TFSA the Roth IRA a cash account and let’s assume that you’ve now funded your accounts so you’ve popped some money in and you’re ready to invest now before you go out and start picking random stocks because that’s probably not the best strategy for you you’re gonna want to establish what’s called your asset allocation and your asset allocation is essentially the guidelines or the targets as to how your money’s going to be invested and let’s backtrack a second when you want to invest there’s really two types of assets that you can buy you have stocks and then you have bonds and you know a lot of new investors a lot of people that aren’t really in the investing scene they’ll often think that these are the same things right because growing up you always hear stocks and bonds right Jimmy hey how’s your stocks and bonds doing all right stock two months well guys these are two completely different assets with two completely different characteristics so when we invest in stocks we are buying shares of publicly traded companies companies that we see around us every day you know coca-cola McDonald’s Walmart and when we invest in these companies we would expect to see some growth there’s the potential to make a lot of money but at the same time you’d also expect to see a higher level of volatility that’s the characteristics of investing in stocks now when we invest in a bond what we’re actually doing is we’re lending our money we’re either lending our money to a company you know to a bank to the government and in return for lending our money we’re gonna be receiving an interest rate it’s almost like the opposite of a loan so with a bond you would expect a very consistent stream of income but not a whole lot of growth it’s kind of capped out you know the return that you’re gonna get so a bond would definitely be considered a safe investment and typically what investors would do is they’d have a combination of both some stocks and some bonds so essentially what your asset allocation is telling you is how much do you want to have invested in stocks our equities we’ll call it which is the growth component of your portfolio and how much do you want to have invested in bonds or fixed income which is the safety to concern part of your portfolio now what is the best asset allocation for you well that depends you know how old are you how long do you plan to invest for how much risk are you willing to take in terms of volatility what are your specific financial goals I mean all of these questions come into play but one of the classic methods of figuring out your asset allocation is by using what’s called the Aged method and how this works is that you take the number 100 and you subtract your age and that gives you your weighting to equities or to stocks so everybody get their calculators out we got some big numbers to crunch here let’s say for example you’re a 20 year old that’s looking to get into investing you take the number 100 you subtract 20 and 80% would be your target to equities or to stocks in other words you’d have an 8020 asset allocation that would be your portfolio balance now another example let’s assume that you’re a 40-year old watching this video well in that case you would take the number 100 you would subtract 40 and that’s a 60/40 portfolio or a 60/40 asset allocation so this is a very simple way of getting a good ballpark idea of what your portfolio should look like now keep in mind here that the higher the weighting you have to equities the higher return you would statistically expect over the long term but with that would come a higher level of volatility or what some people would like to call a higher level of risk now we’ll take a look at this you know we think of an investor who’s in their 20s they have decades and decades ahead of them in their investing careers to outlive any market Corrections you know they’re at a point in life with very few expenses and they should absolutely be concerned with growing their portfolios that is their goal at the moment so a younger investor should absolutely be taking advantage of their time horizon and striving for higher returns in other words you know all else being equal a younger investor should have a higher waiting to equities whereas somebody that’s a little bit older let’s say in their 50s or 60s maybe they’re thinking about you know entering retirement in the coming years let’s say you know they’ve built up a nice portfolio over the years maybe at this point in their life they can’t afford to live through another market crash because they may not have the time to let their investments recover so typically as you get older you know you tend to come a little more conservative and that’s why it would be prudent for an older person to have a higher weighting to bonds or fixed income where they’d be receiving a very predictable and steady stream of income they wouldn’t be overexposed to the equity markets in the case of a crash it would be much more of a conservative portfolio so ultimately the decision is yours with what asset allocation you want to go with but I do think that you know using the Aged method is gonna be a great starting point now a question that you’ll commonly hear from investors is do you need to invest in bonds and I think that this question is worth addressing and the answer to that in my opinion is quite simple yes you do bonds are a very important part of a well balanced portfolio you know not only because they provide you with income right from the interest that you’re receiving from the bonds but more importantly they act as a hedge or a buffer during a down market which really helps with stabilizing out your portfolio you look at historically when the stock market crashes bonds have typically performed fairly well they almost work opposite of each others and you know the reasoning behind that is that you know when the stock market is crashing or performing poorly it’s very common that you would see investors selling their investments and cycling their money into a safer asset like gold or bonds or fixed income which then drives up the price you know the term for that that you’ll hear is you know flight to quality or flight to safety so having that aspect of bonds in your portfolio is really going to help with smoothing out the ride and I think that bonds are an essential part of any portfolio and if you’re a little bit of a smart aleck and you’ve done a little bit of homework you know you may be able to make the argument that you’re from a statistical standpoint being 100% invested in equities so all stocks will technically give you a higher return over the long run and from a strictly statistical standpoint that would technically be correct but guys investing is so much more than just a game of numbers or a game of math you know we have emotions that come into play and rather than striving for all-out returns and trying to inch out every percentage that you can it’s often wise to give up you know some of that growth for the downside protections that bonds offer so keep that in mind when you’re choosing your asset education now that we’ve got your asset allocation set with whatever you decide to go with the next step is choosing the actual investments that you’re going to be buying so let’s assume that you decided to go for a 60/40 split and let’s say you have $10,000 to invest that means that I’m about $10,000 you know your targets are to have 60% of that so $6,000 invested in stocks and 40% of that or $4,000 invested in bonds or fixed income now the first option that you have is to go out and buy these stocks directly and as much as you guys are not gonna want to hear this for a beginner this is not the method that I would recommend we have to keep in mind that as investors one of our primary concerns is achieving a good level of diversification and diversification in simple terms is not putting all of your eggs in one basket you know you want to spread those eggs or you want to spread your investments you know amongst all the different areas of the economy right you want to invest in multiple sectors you want to invest in multiple stocks and you never want to have too much of your money invested in one area and the reasoning behind this is that you know the economy is constantly going through its cycles and you know this year you know this stock or this sector maybe the hot sector you know energy stocks are on fire you know come this exact time next year guys it could be a completely different picture on energy stocks or tech stocks or whatever the case may be maybe the worst-performing stocks you know in the stock market so rather than trying to essentially guess and gamble on you know where the best places to invest are you know one of the better strategies that you can implement is to diversify and do your best to get exposure to all of the different sectors so that as the economy grows you’ll partake in those gains and you’ll never be overexposed to a specific sector or a specific stock if that sector happens to get slammed let us rethink old assumptions and open our hearts and minds to possible and possibilities god bless you god bless Israel god bless the Palestinians and god bless the United States thank you very much thank you so yes you could go out and pick yourself a handful of stocks you know maybe pick two or three you know McDonald’s and Procter & Gamble Microsoft you know pick a few stocks that you think are going to do well in the future but you know we ask yourself this question we just talked about the importance of diversifying if you pick yourself let’s call it three or four stocks are you really that diversified and the answer to that is actually not at all you know all of our investments here would be concentrated within two or three stocks and you know I don’t care how good the company is you know that’s just too much risk concentrated in one area you know if something were to happen to one of those stocks whether that’s you know a big drop in the share price or you know worst case scenario the stock goes bankrupt guys you know that’s a large percentage of our portfolio and that’s why for beginner investors you know especially if you don’t have a large sum of money and in other words you know you can’t build a diversified portfolio of going on and buying individual stocks directly I would absolutely recommend investing in a diversified fund like an index fund and an index fund whether that’s a mutual fund or an ETF is essentially just a bundle or a basket of stocks or a basket of assets and you know one fun can contain multiple companies you know certain funds will contain you know 50 companies or 50 stocks some funds will contain you know 100 stocks some funds contain you know upwards of a thousand stocks and there are all types of different funds you can choose from you can invest in gold funds which would contain gold companies you can invest in you know European funds or Asian funds but in my opinion you know the best type of fun that you can invest in is a fund that tracks the S&P 500 index now as I touched on in the beginning of this video the S&P 500 index is essentially the 500 largest companies in America so included in this index you’d have you know the apples the Amazons googles Facebook’s Walmart’s all of the big blue chip companies are gonna be included in this index and as you can imagine if you invest in a fund that tracks the S&P 500 well that’s a great level of diversification right there to some of the greatest companies in the world and this right here is an example of an index fund so we’re looking at the Vanguard S&P 500 index ETF or exchange-traded fund the ticker here that you’re looking at is vfv or in the u.s.

It’s vo oh and Vanguard is the company that packages up these products they package up this ETF and we can invest in them so this is one of the investment products that they offer and an equivalent to this would be the SP Y so a different company but an identical fund and basically what these funds do is they attempt to replicate the performance of the S&P 500 index so we can scroll down here to take a look at the top 10 holdings in this fund currently we’re looking at Apple Microsoft Amazon alphabet which is the parent company of Google Facebook JP Morgan Chase Berkshire Hathaway Johnson Johnson Exxon Mobil Bank of America and these are just the top ten of 500 holdings so by investing in this ETF you’re inherently investing in 500 different companies and this would be an exact replication of the S&P 500 index we can have a scroll down here to see the sector breakdown and by investing in this one fund we have a very diversified exposure to the different sectors Infotech financials health care consumer discretionary industrials and what’s so great about an index fund like this is that we can scroll up and we can invest in all of these companies all 500 of these great companies for currently $63 that’s how much it costs for one unit or technically speaking one share of this ETF now an important thing that needs to be mentioned up here is the M er which stands for the management expense ratio and what this is is essentially the fee that you’re gonna be paying to invest in this fund and any packaged fund like this that you invest in is going to have some sort of fee some more than others so what this is telling us is that for every $100 that you invest in this fund every year you’re gonna be charged eight cents in fees so extremely low cost and one of the major benefits of investing in a low cost index fund and guys I’m not necessarily saying that you need to go out and buy this ETF absolutely not you know I just wanted to show you know through this example the true power of an index fund and how great they are at achieving a good level of diversification and why so important for beginners so ultimately it’s up to you with what funds you decide to go with of course you need to grow it and go do your own research and find funds that are suitable for you but my recommendation would be find a fund that invests primarily in US companies or a fund that invests you know in the S&P 500 index and then for the fixed income component of your portfolio you can go out and find a bond ETF or a fixed income ETF which is essentially just a fund that instead of investing in stocks invest in a group of bonds and I’ll link some ideas in the description for you guys below and here are a couple examples of some sample portfolios that may give you some ideas once you guys have chosen the funds that you want to invest in you purchase your first investments investing does not just end there all right in fact things have just begun and you’ve got a long investing career in front of you the first thing that you’re gonna need to learn how to do is to rebalance your portfolio and as time goes on and the different investments are the different funds grow at different rates you may take a look at your portfolio and things may be completely out of whack your targets may have been set at 60% in equities 40% in fixed income but you know a year later if stocks have been performing very well well it’s very likely that you know these funds may now represent a bigger part of your portfolio it’s very possible that the equities may now represent 70% of your portfolio and bonds let’s say 30 so this would call for rebalancing and rebalancing is extremely important because what it does is it helps provide discipline to your investment plan you know you set these targets for a reason you want to stick to them and it’s very tempting to let a hot stock or a hot fund or a hot investment run but guys you know more often than not you know after a stock has done very well and it now represents a larger part of your portfolio it’s very common that you’d see some sort of reversal or some sort of pullback so one of the best things that you can do is learn how to take profits and reinvest those profits back into areas of your portfolio that aren’t doing so well so in the example that we just looked at there it would be as simple as you know trimming back and selling some of your equity funds and reinvesting that money back into the bond funds and typically you’d want to rebalance no more frequently than I like to say once a year you know I get it it’s very tempting to wanna you know micromanage your portfolio but more often than not a better strategy is kind of just to sit back and let them do their thing not to mention you know if you’re the type of person to be constantly buying and selling stocks you’re gonna be paying a lot in commissions which is gonna eat away at your long term returns so avoid that as much as possible and only rebalance when you have to and the final thing that I want to talk about in this video the pile thing and we’re almost done if you’ve made it this far we’re almost done I promise is learning how to put money away on a consistent basis it is not enough to invest one time and you know expect that to you know provide for your retirement absolutely not alright you need to get into the habit of putting money away on a consistent basis in my opinion one of the best things that you can do is put money away every month you know even if it’s a small amount you’ll be surprised at how much of a difference that makes over the long run I personally like to use a system called a PAC which stands for a pre authorized contribution and you’ll hear different names for this depending on you know where you decide to invest but essentially what this does is that you know every month right when I get my paycheck it automatically sends money from my bank account straight into my investment account so it just pops it over you know I don’t have to make that conscious decision about you know all do I need to save this month no right it’s coming out whether I like it or not not to mention when you’re putting away money every month you’re actually doing something called dollar cost averaging and what that is is basically you know if you’re putting away a set or a fixed amount whether that’s a hundred bucks a month whether that’s 500 bucks a month or a thousand bucks and you’re buying units or you know shares of your funds basically what happens is that you know as the stocks get more and more expensive with your fixed amount you’re gonna be buying less and less shares and when the stocks go down you actually end up buying more shares at a cheaper price so you’re acquiring more and more units or more and more shares when these stocks are trading at a discount this is a strategy that’s going to do you wonders over the long term so guys we have made it to the end of the video I hope you guys are still with me here some of you guys if you are men thank you for watching the video and I really hope that you were able to get you know some good value I hope that I was clear and kind of informative I do think that you know from the stuff that we covered in this video that is gonna give you a nice base of knowledge to go out and start investing and the important thing you know that I want you to take away from this video if there’s one thing to take away is you know just go out and start investing you know go to your bank go to an investment firm and set up an appointment or go open an account and just go out and start learning men start experimenting because investing is truly fun and important and you know as scary as it may seem I promise you it’s not so bad so I thank you guys all for watching again Ryan my man thank you i honest-to-god cannot thank you enough seriously dude if you guys enjoyed the video you can feel free to give it a thumbs up and if you guys have any questions or comments be sure to leave them in the comments below because I’ll do the best that I can to help you out and answer them you know to the best of my abilities and as always I thank you guys for watching I had such an awesome time creating this video and I hope to see you guys in the next video

How to Invest in 2018 for COMPLETE BEGINNERS!

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📈 My Personal Portfolio & Trading Updates | Brandon’s Buys ➤

Website ➤

Today we’ll be going over how to start investing in 2018 starting from SCRATCH! If you’re someone that’s looking to learn how to invest, this should be a great beginner video for you!

This video will be broken down into 3 main sections:

– What to expect when investing
– Getting your financial in order (We will touch on setting up an emergency fund and paying down any high-interest debt)
– Choosing your broker
– Choosing your investment account

– Establishing your asset allocation
– Choosing your investments
– Pros and cons of Stocks v Index Funds

– Rebalancing your portfolio
– Monthly contributions (PAC)

The video is on the lengthy side, so allocate some time where you can sit down and really focus on the content at hand.

Investing is one of the most powerful wealth generating tools available to us as human beings. Every single person who is generating a source of income should be taking advantage of this opportunity and learn how to invest!

Here are some of the links noted in the video:

Questrade –

Robinhood –

TD Ameritrade –

VFV (Vanguard S&P500 Index ETF) –…

SPY (SPDR S&P500 ETF) –…

CBO (iShares 1-5 Year Laddered Corporate Bond ETF) –…

HYG (iShares iBoxx $ High Yield Corporate Bond ETF) –…

HDV (iShares Core High Dividend ETF) –…

LQD (iShares iBoxx Investment Grade Corporate Bond ETF) –…

XEF (iShares Core MSCI EAFE IMI Index ETF) –…

XEM (iShares MSCI Emerging Markets Index ETF) –…

Thank you all for watching the video. I had a ton of fun creating this… I hope you enjoyed! 🙂

DISCLAIMER: As mentioned in the video, this is NOT financial advice. Always be sure to speak to an advisor or some sort of professional before making any big financial decisions for yourself.

I created this video for educational and entertainment purposes only.


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