Balance is key 🔑 It’s easy to admire the visible signs of financial security—savings accounts brimming, diverse portfolios, and the calm of a well-planned retirement. But often unseen are the trade-offs: the missed concerts, the budget holidays, the modest cars, and the home-cooked meals in lieu of a nice meal out. It’s about the balance between savouring the moment and planning for the future. Life isn’t just about growing wealth; it’s about living it. Invest wisely, but remember to indulge in the now —because some opportunities don’t come twice. Disclaimer: I actually completely agree with this post by @fluent.in.finance - it just needs to be a balance. #investinyourself #investing101 #investingstrategy #investingforbeginners #financialindependence #wealthbuilding #investingeducation
🌟 Curious about different parts of the stock market? Check out these 14 sector-focused ETFs! 📊 From tech to healthcare, there’s a simple way to access specific parts of the markets to open up potential opportunities. Different stock market sectors respond differently to different economic conditions. So when one goes up, another may go down. This can provide investors with other opportunities to tap into growth or diversify and protect their portfolio. Swipe to see 14 ETFs listed on the ASX that focus on an individual sector. #InvestingMadeSimple #investingforbeginners #stockmarket #investingaustralia #etfinvesting #financialindependence #investingeducation #investing101
A small difference in ETF fees can have a BIG impact on your returns. Pay someone 2% to manage your investments and you could end up handing over more than 30% of your returns! 🤯 Even a seemingly small difference, like an ETF with a 0.10% fee vs one with a 0.50% fee, could cost you tens of thousands of dollars. Pick your ETFs carefully. While fees aren’t the only thing to consider, they are one of the few things that are in your control. #investing #etfinvesting #etfs #investingeducation #investing101 #investingforbeginners #investingstrategy #financialindependence
🤔 Is your ETF portfolio as diversified as you think? S&P 500, NASDAQ, global ETFs. We hear all the time about which ETFs you could or should be investing in. We often get distracted by the noise. But when you take a closer look, you realise that a lot of these ETFs contain a lot of the same things. Here are a few examples: 1. The USA makes up roughly 60-70% of the world stock market. So if you have a US stocks ETF (like VTS, IVV or SPY) and a world ETF (like VGS), then you’re actually doubling up on most of those US companies. 2. Ethical / sustainable ETFs are a sub-set of the whole market. So if you hold an Aussie ethical ETF (like VETH) and an Aussie market ETF (like VAS), then you’re investing in a lot of the same companies, twice. Should you care? It’s up to you. There’s no hard and fast rule. If you like what it gives you (for instance, in the first example above, a greater exposure to the big US companies), then that’s a conscious decision that you’re making based on your goals and risk tolerance. But it’s good to be aware of the potential drawbacks: 1. While you think you’re increasing your diversification by investing in more ETFs, you might actually be doing the opposite - becoming more concentrated in particular countries or sectors. 2. It can cost more. More ETFs means more things to invest in, which means more brokerage fees. Plus it can cost more in management fees (expense ratio) too. If you have one broad ETF with a fee of 0.04% and another that overlaps with a fee of 0.50%, then you’re simply dragging the total cost up. 3. It can become more complicated. The beauty of ETFs is their simplicity; loads of stocks in one transaction. More ETFs means more things to track (including taxes). So what do you think? Are you happy with your ETF overlap? #etfinvesting #etfs #investingaustralia #investingeducation #investingforbeginners #investing101 #investingmadesimple #investingmadeeasy
Investing can be super confusing. Let’s simplify it, shall we? 👆 Imagine stocks as tiny slices of a company that belong to you. Whether it’s Apple, Microsoft, Google, Amazon, or Tesla — pick your favorite. Now, think of an index as a basket that holds a variety of these companies. Ever come across the S&P 500 index? It’s like a leaderboard for the performance of 500 major U.S. companies. Directly investing in an index isn’t an option, though. When you hear “invest in the S&P 500,” it’s shorthand for “invest in a fund that mirrors the S&P 500 index.” Wondering about these “funds”? Exchange-Traded Funds, or ETFs, are a popular choice. They’re traded on stock markets just like individual stocks and are known for being budget-friendly. Since they follow an index, they’re typically low-maintenance. In Australia, on the ASX, you can find ETFs like VTS, IVV, NDQ, and VGS, which give you a doorway to those hefty U.S. companies we talked about. They do this by shadowing various indexes, targeting either the U.S. market specifically or the global stage. So, how does one start buying and selling these ETFs? Where’s this elusive stock market hiding? Enter investment brokers or platforms. They’re your gateway to the market, letting you trade ETFs among other assets. They’re usually equipped with a website and an app, streamlining the process for quick and straightforward transactions. And just like that, the investment world seems a bit less daunting, doesn’t it? Follow @investingwithchris for more investing education. #investing101 #investingaustralia #investingforbeginners #investingmadeeasy #investingmadesimple #investingeducation #indexfunds #etfinvesting
We hear a lot about investing in ETFs that hold Aussie or US companies. But what about other countries around the world? 🌍 There’s an ETF for (almost) anything. That includes specific countries or regions. Here are just 12 examples, including China, South Korea, Japan, UK and Europe. If you have a global ETF like VGS then you’ll have exposure to some of these countries…but not all of them. Which countries are you invested in? #etfs #etfinvesting #investingaustralia #etfportfolio #investingmadesimple #etfinvestingmasterclass #investing101 #investingforbeginners
“The S&P 500 gives you a 10% annual return”. Does it? Yes and no. If you take everything you hear on social media at face value you might think that investing in the S&P 500 (basically 500 of the biggest companies in the US) gives you a fixed and guaranteed 10% return every single year. FALSE. The average annual return of the S&P 500 index is indeed 10%…but the key word is “average”. The return varies from year to year. In some years it’s been more than 30%. In others it’s been minus 30%! But on average over the last 50+ years it’s 10% per year. This is why time is so important. The longer you’re invested, the more time you have to smooth out any negative years. #investingaustralia #investing101 #investingeducation #investingforbeginners #stockmarket #sp500 #indexfunds
Investing in the Australian stock market? There are different way to do it 👀 Here are 4 from powerhouse ETF issuer, Vanguard. VAS, arguably the most popular ETF listed in Australia, invests in 300 Australian companies. That’s basically every publicly listed company! VETH is like VAS but focuses on companies considered “ethical” (well that’s how it’s advertised but it’s open to debate…but that’s a whole separate post!). VETH uses one of the least strict screening methods, which means that only about 50 companies being screened out. As a result, VAS and VETH are actually very similar in how they perform. VLC is different. It only invests in the 20 biggest companies, meaning it’s less diversified than VAS. However, because of how VAS is weighted (biggest companies get bigger weighting), the companies in VLC actually account for 59% of the VAS total. Last but not least we have VHY. This one focuses on companies that pay high dividends. It includes 72 companies, which together make up about 60% of the value of VAS. So in summary, there are different ways of investing in Australian companies. It depends what you’re looking for. Which one would you choose? #investingaustralia #asx #vas #asx200 #etfinvesting #investingforbeginners #investing101
The highest performing ETF of 2023 provided an enormous 96% return 🤯 Swipe to check out the top 10 of last year. “Best” is subjective - it depends what you’re looking for. These 10 are simply the best performing ETFs based on their 1 year return for the year 2023. *FYI - this excludes any leveraged or crypto ETFs #investingaustralia #etfs #etfinvesting #asx #investing101 #investingeducation #investingforbeginners #indexfunds
📈 NVIDIA stock is 🔥 right now. The stock price has increased by a whopping 274% in the last 12 months 🤯 Since the start of 2024 it has increased by 82%. But you don’t have to be invested directly in NVIDIA stock to see the benefits. Exchange Traded Funds (ETFs) that hold NVIDIA see an indirect benefit. There are heaps of ETFs that hold NVIDIA stock. After all, it is the 3rd biggest company in the US right now (after Microsoft and Apple). Check out these 12 ETFs, listed on the ASX, that hold NVIDIA stock in different amounts. RBTZ (Betashares Global Robotics and AI ETF) has 23% of its total funds allocated to NVIDIA! On this list you’ll see niche, thematic ETFs like RBTZ, ROBO, MTAV and ESPO. You’ll also see broad, index ETFs like NDQ, IVV and VGS which hold NVIDIA in smaller, but not insignificant, proportions. Are you exposed to NVIDIA? Let me know in the comments 👇🏼 #investingaustralia #nvidia #etfinvesting #etfs #investing101 #investingforbeginners #asx #investingstrategy
🌏📈 Investing without borders! Did you know you can gain exposure to the same top-performing US markets right here on the ASX? Whether you’re eyeing the tech giants of the NASDAQ or the broad spectrum of the S&P 500, there’s an ASX-listed ETF for you. Here are just some of the ASX equivalents to the US ETFs we hear so much about on social media, including the likes of VOO ➡️ IVV (S&P 500) and QQQ ➡️ NDQ (NASDAQ-100), plus many more. These can be great for Aussies wanting to invest in global markets from their local stock exchange (the ASX) and in their local currency (AUD). #investingaustralia #etfinvesting #ETFs #investingforbeginners #ASX #investing101
Which of these 5 ETFs would you choose? It can be tempting to pick an ETF based on what you see other people doing. But that can be a problem; you might have completely different needs and circumstances. Let’s say you want to invest in international companies. Great, but where do you start? Try setting a few criteria. For example: 1. At least 5 countries represented…otherwise you might end up with just US stocks. 2. At least 100 stocks…otherwise you might end up with a highly concentrated set of stocks that doesn’t help you diversify. 3. A management fee (aka expense ratio) of less than 0.20%…otherwise you might end up paying through the nose for something you could have got much cheaper. Applying these criteria to all the ETFs on the ASX gives us 5 options. A much more manageable number! This is just an example. You might have completely different criteria. Whatever you’re looking for, be intentional. #investing #etfs #etf #etfinvesting #investingaustralia #investingeducation #investingmadesimple #investing101 #investingforbeginners
Riding the Santa Claus Rally wave! 🎅📈 Ever notice how stocks often go up around Christmas and New Years? That’s the Santa Claus Rally - it’s like a holiday gift for investors! In the final week of December and first 2 days of January, the S&P 500 index has increased in 18 of the last 23 years. On average the increase is 1% but in 2008/09 it was a whopping 7%!🌟 #SantaClausRally #investing101 #investing #investingforbeginners #investingeducation #sp500
One of the newest ETFs to hit the Australian market - Global X US 100 ETF (N100). Similar to the popular NDQ, it tracks the performance of 100 of the top, technology driven stocks in the US. #investing #investingaustralia #etfinvesting #etfs #globalx #techstocks #investingforbeginners
How are your ETFs doing? #investing #investingaustralia #investingideas #etfinvesting #etfs #investingmadesimple #investingforbeginners
22-05-2024 Follow : @sstradersnifty @niftysstraders . . . . . . . . . . . . . . Nifty Options Signal #investingforbeginners #financialnews #money #profit #loss #ipo #ipo_market #crypto #business #income #bestposition #candlestickspattern #stocksplits #bitcoin #investingtips #daytrader #valueinvestor #stock #banknifty #bankniftyoptions #nseindia #intraday #nifty50
Two hugely popular ETFs. Which one are you choosing? #investing #investing101 #investingforbeginners #investingstrategy #financialindependence #investingaustralia #stockmarket #etf #etfs #etfinvesting #financialindependence
Week in review. Lots of 🔴 but remember: it’s a marathon, not a sprint. #investing #investing101 #investingforbeginners #investingstrategy #etf #etfs #etfinvesting #stockmarket #financialindependence #investingaustralia #asxstocks #investingmadesimple
Invest 4 Wealth #BuildingFutures Building Wealth 😊😇 Simplify Equity Investing via Mutual Funds. #investingforbeginners #moneysavingtips #financeoptions #EquityInvesting #wealthylife #wealthbuilder #mutualfundsindia #MutualFundsInvestment #facebookpostviral #trendingnowreels #motivationalreels #motivatedlife #SuccessStrategies #successprinciples #PatiencePaysOff #goalfocused #lifechangingquotes #lifechallenges @highlight Disclaimer. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Save it for future . . . . . . #investingforbeginners #investingtips #equity #bse #nseindia #interesting
Year 2: A year and half ago I left my job to trade full time. I saved up about 3 years worth of income and decided it was time to take a 2nd shot at it. For the first 6 months I pretty much broke even. I would be up a few weeks and give it right back with one stupid trade after another. Trading sucks when you are working for free. Feeling dejected and ready to quit, I decided to take one last stab at this and if it doesn’t work out I’ll just go back to the 9-5 world and suffer silently. I wrote down an amount on the board that I was willing to lose, this was my play money to beat this “game”. If I lose it all ..I go back to work. I also created a few income streams to make sure I was getting a consistent paycheck whether the market was good or slow. Now I could risk more, stress less, and not have to force dumbass trades just to make money everyday. Then I started tracking and recording every trades. I realized I sucked at going long, my risk management was 0 to none, and most of the time my gut feeling was correct, I was just too “afraid and impatient” to see it through. The 7th month was when things started to click. I finally had my first 4 figure day. Then many more after that. Then 7 straight months after with not one losing week. “holy sh** this is happening” I thought to myself. 90% of traders lose money …I was now in the top 10%. ..Of course the goal is to be in the top 10% income wise as well, but a win is a win. Year One: SPY: +26% M.W= 80% Year 2: M.W = 35% TBC… My goal now is to SIZE. How can I scale this BiGGER and how far can I grow it. I’ll post my trades ideas here every now and then just to check in with everyone. But please do your own research. Questions are always welcome. Thank you for still supporting this page and all the motivating things you share. “Together we are stronger.” The financial revolution continues….
I'm so happy seeing a lot of people who put their trust in me and my company benefiting greatly from us and sharing their feedbacks with me that has always been my greatest motivation seeing others succeed through our investment Service. . . . . #motivation #millionairemindset #moneygoals #debtfreeliving #finances #entrepreneurship #buildwealth #savings #investingtips #retireearly #debtfreegoals #investor #financialindependenceretireearly #success #financial #generationalwealth #financialpeace #personalfinances #investingforbeginners #firemovement #moneymatters #goals #personalfinanceforwomen #firecommunity #debtfreedom #retirement #debt #wealthmindset #millionaire #savemoney
I'm so happy seeing a lot of people who put their trust in me and my company benefiting greatly from us and sharing their feedbacks with me that has always been my greatest motivation seeing others succeed through our investment Service. . . . . #motivation #millionairemindset #moneygoals #debtfreeliving #finances #entrepreneurship #buildwealth #savings #investingtips #retireearly #debtfreegoals #investor #financialindependenceretireearly #success #financial #generationalwealth #financialpeace #personalfinances #investingforbeginners #firemovement #moneymatters #goals #personalfinanceforwomen #firecommunity #debtfreedom #retirement #debt #wealthmindset #millionaire #savemoney
Earn Tons of Earning Without Trading Much of Your Time with these 5 Passive Income Ideas 📈💰🏡 ⭐ Investing in dividend-paying stocks or mutual funds ⭐ Renting out a property or a room on Airbnb ⭐ Creating and selling digital products such as eBooks, courses, or templates ⭐ Building a portfolio of rental properties and hiring a property manager to handle the day-to-day tasks ⭐ Starting a blog or YouTube channel and monetizing it through advertising, sponsorships, and affiliate marketing. While it is true that this requires some effort at first, these ideas actually work! And the moment you achieve stability, you can simply sit back and let the money flow straight into your pockets 🤑🤑 Visit the link in our bio to know how to effectively implement these 5 ideas 💡 @hustlethatpays - #financialeducation #financialgrowth #moneyconversations #personalfinancetips #generationalwealth #indexfunds #financialfreedom #investmentstrategies #investingforbeginners #valueinvesting #dividend #investmenttips #incomestreams #dividends #investing #passiveincomeonline #warrenbuffett #money #compoundinterest #financialpeace #debtfreejourney #investingtips #passiveincome #indexfundinvesting #debtfreelife #debtfreecommunity #cashflow #retireearly #moneytips
When you have a desired dream life you wanna Iive now or in the future, then you'd starts now and never let go 💯 - #investingtips #investingforbeginners #Investingincanada #investinginusa #budgetcategories #personalfinance #wealthmindset
Ever dreamed of making money while you sleep? Forget the idea that you have to work nonstop to get rich. Instead, set up a passive income system. Create social media pages, share content, gain followers, and sell products. Your followers can buy anytime, even when you're catching Z's. Discover how thousands have made $10k a month or more using this method. Ready to give it a try? Comment READY and you can get access to a free training that shows you a step by step process on how to start making money today! 💯 🔗 in b! Like, Share & Save & Hit the follow button #sidehustlepro #onlinemarketing #earlyretirement #workfromhomejobs #investingforbeginners #workonline #onlinebusinessmanager #wealthbuilding #wealthcoach #millionairelifestyle #millionairemind #successmotivation #incomeopportunities #hustlelife #affiliatemarketingforbeginners
Do you ever feel like you failed in life? Do you feel like you’re not doing well because you aren’t making 7 figures a year? Then this is for you. When scrolling through social media, it is common to see people showing off their millions. It seems like every other online entrepreneur is making over 100k a month. But the reality is: 1. Some of them are faking it; they don’t make that kind of money. 2. Most of the guys that are ACTUALLY making that kind of money have taken YEARS to get to that level. Same as I did. It took me months, if not even years to understand how I can use social media to make 5-, 6- and even 7-figures. So don’t think that you’re a failure because you aren’t at that level yet. As long as you’re constantly working and improving, you’re doing well. Keep your head down, keep learning from people who’ve already achieved everything you’re aiming for and you’ll reach that level faster than you think. Comment READY and you can get access to a free training that shows you a step by step process on how to start making money today! 💯 🔗 in b!0 Like, Share & Save & Hit the follow button #sidehustlepro #onlinemarketing #earlyretirement #workfromhomejobs #investingforbeginners #workonline #onlinebusinessmanager #wealthbuilding #wealthcoach #millionairelifestyle #millionairemind #successmotivation #incomeopportunities #hustlelife #affiliatemarketingforbeginners
AI is on the rise, with tools like ChatGPT causing concern about job security. While AI will replace many jobs, it also offers opportunities for increased efficiency. How can you make the most of AI? 1. Develop skills that AI can't match easily, such as sales. 2. Use AI to enhance productivity and work quality, like refining sales strategies. 3. Instead of fearing AI, focus on skill development. Leverage it for your Instagram business to gain an edge. Don't have one yet? Comment READY and you can get access to a free training that shows you a step by step process on how to start making money today! 💯 🔗 in b!0 Like, Share & Save & Hit the follow button #sidehustlepro #onlinemarketing #earlyretirement #workfromhomejobs #investingforbeginners #workonline #onlinebusinessmanager #wealthbuilding #wealthcoach #millionairelifestyle #millionairemind #successmotivation #incomeopportunities #hustlelife #affiliatemarketingforbeginners
Success is not final; failure is not fetal; Its the courage of not giving up while you keep it going and growing 💪 - #investingtips #investingforbeginners #worksmart #Investingincanada #investinginusa #budgetcategories
To stick to your habits in 2024, you must stay consistent. Consistency is crucial when it comes to setting habits. When you are consistent with a habit, it becomes a part of your routine and you are more likely to stick with it. For example, if you want to start exercising regularly, it is important to choose a specific time and days of the week to exercise and then stick to that schedule. If you consistently exercise at the same time every week, it will become a habit and you will be more likely to continue it. Another important aspect of consistency is maintaining the same level of effort. If you start off strong but then begin to slack off, it will be difficult to maintain the habit. On the other hand, if you consistently put in the same level of effort daily you will make it. Comment READY and you can get access to a free training that shows you a step by step process on how to start making money today! 💯 🔗 in b!0 Like, Share & Save & Hit the follow button 👉 #sidehustlepro #onlinemarketing #earlyretirement #workfromhomejobs #investingforbeginners #workonline #onlinebusinessmanager #wealthbuilding #wealthcoach #millionairelifestyle #millionairemind #successmotivation #incomeopportunities #hustlelife #affiliatemarketingforbeginners
Are you afraid of working 80-hour work weeks? One common misconception about making 6 figures is that you have to work crazy hours like 12 hours a day. That is true for some people, but it shouldn’t be the case for you. You can work 1 to 3 hours a day and still make 6 figures using social media. How is that possible? By leveraging social media and automating your tasks. You can find cheap workers on sites like Fiverr and Upwork to do simple tasks for you like creating content or writing your copy. That way, you can save time and still get a lot of work done, hence making more 💰 If you’d like to learn how we do it and make 6 figures a month with leveraging social media.. Comment READY and you can get access to a free training that shows you a step by step process on how to start making money today! 💯 🔗 in b!0 Like, Share & Save & Hit the follow button #sidehustlepro #onlinemarketing #earlyretirement #workfromhomejobs #investingforbeginners #workonline #onlinebusinessmanager #wealthbuilding #wealthcoach #millionairelifestyle #millionairemind #successmotivation #incomeopportunities #hustlelife #affiliatemarketingforbeginners
First approach to turn a $100 to $1,000,000 with a successful trades and mindset I'll achieve it more than before 💯 - #investingtips #worksmart #Investingincanada #investingusa #investingforbeginners #worksmart
Investing is easy , BUT we like to make it complicated ! ETF investing is probably the most simple & stress free way to invest 👍🏽 Do you own any of these ETFs? #stockmarket #finance #investing #howtoinvest #investingforbeginners #etfinvesting
When it comes to bonuses for a typical average person, this could be a luxury. It may not be the same story for other countries 😂😂 Follow @frugalisrich for more insights! ✌️ Comment below for any feedback 🙌 🤗 Like 👍 Comment 💥 Share ♥️ Save 📌 . . . . . 🔴 Disclaimer: All written content is for informational purposes only and does not constitute any professional financial or tax advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. #investing #money #finance #mortgage #retirement #financialfreedom #financialindependence #stocks #invest #financialplanning #financialliteracy #financetips #savings #daily #millionaire #motivation #realestate #frugal #selfmade #investingtips #investingforbeginners #401k #picoftheday #moneymindset #happy #ınstagood #inspiration #wealthbuilding #bonus
Its what you have been waiting for GIVEAWAY TIME😆💫 - To be in with a chance of winning £300 to use to trade with and 1 years free access to my trading group simply tag 3 friends in the comments section below, share this post to your story and tag me @ellen_wendy_01 🚀 - Winner chosen at random on Sunday 26th, 8pm GMT (anyone can enter including existing or new members) - You must be following my account too otherwise your entry will be invalid! GO👇🏼 @ellen_wendy_01 - #investingtips #investingforbeginners #yellowstone #Investingincanada #investinginusa #budgetcategories
Awards night Outfit 🥂🥰 - Hope your all having a fabulous weekend ❤️ - #investingtips #investingforbeginners #worksmart #Investingincanada #yellowstone #forextrader
What an incredible weekend payouts I'm going to the Peak District, despite wearing Louis Vuitton shoes to climb (definitely not the footwear of choice if you’re planning on going hiking)🤣 🧗 - Back at home now and in work mode ready for another amazing week in the markets📈 - Time to beat last weeks record of 6 profitable trades & no losses💫 - Interested in joining? Dm me📩 - #investingforbeginners #Investingincanada #investingtips #yellowstone #investment
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Comment LEARN to join for my first IN DEPTH ETF investing course. It is $50 off for the month of April! 📅 SAVE FOR LATER 📝 Since the 1920s, the S&P 500 index has served as a gauge of the overall performance of the U.S. stock market. The S&P 500, or Standard & Poor’s 500, is a stock market index that measures the performance of 500 of the largest publicly traded companies in the United States. These companies span various sectors and industries Since its inception in 1957, the index has historically delivered an average annualized return of approximately 10.26% through the end of 2023. You may observe that there are considerably more positive years than negative ones for the index. The lesson here is to disregard short-term fluctuations and concentrate on your long-term investment objectives #etfs #etf #etfinvesting #investingtips #investing101 #investingforbeginners
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SAVE FOR LATER 📲 Cheat sheet displaying some of the most important areas in the market from the top ETF etf.investments etf.investments #etfs #etf #etfinvesting #investingtips #investing101 #investingforbeginners
The best investing strategies are often the simplest - and ETF investing makes building wealth easy! With a vast range of options and the ability to tap into distinct markets... ETFs are one of the best & cheapest financial tools to build wealth These 6 ETFs can help you build wealth the easy way with little to no maintenance required: $VOO - S&P 500 $QQQM - NASDAQ $VTI - Total U.S. Market $VXUS - Foreign Markets $SCHD - Dividends $XLRE - Real Estate 💬 Comment CLASS to sign up for my first IN DEPTH ETF investing course #etfs #etf #etfinvesting #investingtips #investing101 #investingforbeginners
Credit score is important and you should maintain a high one if possible, but I have mixed feelings on the emphasis on credit score. All of these benefits are really nice to have, but I really think the 5th one is the most important. If you don't have a good credit score, it probably means that you have been missing payments on debt and should evaluate your personal finance decisions. Not to get better loan rates... just because it will be better for your life. I think the older generations emphasize credit score a lot more, to the point where they often prioritize it over wealth building. To be clear, having wealth is WAY more important than building credit score. But if you're responsible, you're probably doing both. Take on some responsible debt and make payments on time and in full and grow that credit score! But PLEASE don't get it in your head that it is more important than living below your means and investing! - Matt #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
If you want to know a real late starter, just hit up Mark. He literally didn’t start saving for retirement until his was 50. To be honest, things weren't looking good for Mark from a retirement standpoint. But something crazy happened… Mark has a DRASTIC lifestyle change and cut his expenses to $3k / month. Depending on where you live, this could be a little or a lot, but realistically millions of American’s live on a budget equal to or much less than this. After expenses Mark has about $1,400 left each month, which he invests in an index fund. When Mark reaches normal retirement age of 65, he can withdraw 4% of his portfolio and start taking from social security with an average monthly payout of ~$1,300 for someone who starts at 65. This gives Mark the money to continue living on $3k a month for the rest of his life. The sad part is that in future generations, social security might only be a fraction of what it is now. If you’re young and reading this, don’t be forced to make drastic changes like Mark. Live below your means now and don’t stress about money later in life! - Matt #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
Cash accounts are the BACKBONE of your financial life. If you can't hold cash, you can't do anything. Luckily, they aren't that hard to maintain. I like to keep 1-2 months of expenses in my checking account. This lets me pay my credit cards in full each month, have enough to deduct for rent, and even have a buffer in there in case there is anything unexpected. Outside of that, you should have an emergency fund for those expenses that are really unpredictable (car breaking down, medical bill, etc.). That's what you have 3-6 months in savings set away for. The actual amount of this will depend on your family situation and your risk tolerance. If you find yourself asking what you should do with your cash outside of what you have in your checking and savings account, stay tuned for the deep dives on other account types :) - Matt #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
When it comes to actually making a 3-fund portfolio of index funds, I remember how confused I was about exactly which funds to invest in. It seems like a hard decision with all of these investment names flying around and it gives you the impression that you might make the wrong decision. Well I have good news, it’s really not as tough as it originally seems. As long as you are buying an index tracking fund (which can be a mutual fund or ETF) and you aren’t getting ripped off on your fees, you are going to be okay. The funds you see on the screen are so similar that it literally doesn’t matter which ones you pick. Just pick a brokerage firm that you are comfortable with a stick with it. The differences in fees are so small they won’t make any difference over the long term (what will be way more important is how much you invest and when you get started). I use Vanguard, but all of these are going to basically yield the same results! - Matt #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
When I post here, I don't have the luxury of posting every single tip I have about personal finance in one post, so I usually have to post about EITHER "offense" OR "defense" tips. But the fact of the matter is you have to learn how to play offense AND defense with your money. Saved dollars hit your bottom line instantly, which is why they are often easier to start with on the wealth building journey. Once you have solid spending principles down, the focus can be shifted toward EARNING more, which is obviously also very important to getting rich. Hope my metaphor is helpful to you - it's how I romanticize my personal finance journey! -Matt . . . #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
Wait, but how could selling a fund and buying a similar fund reduce your taxes?? This one little trick is called "tax-loss harvesting" and it's a way for you to reduce your taxable income without actually losing any money. Think of it this way... the market tanked and your portfolio "lost" a lot of money (in reality you haven't lost anything because you haven't sold yet). In order to benefit from those losses, you sell your investments and immediately buy something SIMILAR (it has to be different though or it will be called a "wash sale" and you won't be able to claim the loss on your taxes). Now when the market recovers, your investments still recover as well, but you got to file your taxes like you "lost" all that money. I promise this is all legal and 100% acceptable to do, but please research or talk with a tax advisor before attempting to make sure you don't make a mistake and end up with an unexpected tax bill! - Matt . . . #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
This is not your typical investment book. Don't believe me? Download the free sample on Amazon today and try before you buy! I https://a.co/d/1fYQy7K . . . . #warrenbuffettadvice #warrenbuffettquote #stockmarketinvestor #investlikethebest #stockstobuytoday #InvestingStrategy #stockmarketinvesting #stockstoinvest #InvestingForSuccess #stockmarketinvestment #investingstrategies #stockstohold #stockstotrade #investingbooks #superinvestor #investingeducation #investingstrategy #soyouwanttobeasuperinvestor #investing #superinvestors #investingtips #investing101 #InvestingMadeEasy #investinginthefuture #investingforbeginners
I'll tell you a little secret... Budgeting is one of the most important aspects of getting rich, but there is no "right" way to do it, per se. That being said, there are a couple common ways that people prefer. The essence of it is that you are spending less than you make, and anything on top of that is just details to help you do that. Maybe you prefer large categories to track each month (e.g. needs vs. wants) or maybe you like having line item categories for every type of expense. Maybe you don't like categories at all and just want to keep under a certain number and save / invest the rest. I personally use the pay-yourself-first budget. I have set amounts that I put into investments and savings, and the rest goes towards my living expenses. If I have any leftover at the end of the month, that gets invested too. However I do also keep track of spending categories on Mint (RIP), but I don't necessarily have "limits" for any given category. As long as you are spending less than you make and investing the difference, you will get rich. Budgeting is just the check to make sure that you do that on a month to month basis. Find the method that works for you! - Matt . . . #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
It's impossible to boil down "how to be a good investor" into a small infographic... but if I had to try, these would be the most important tips! Some more detail: 1️⃣ Clear goals: Make sure you know WHAT you're investing for... figure out your retirement number 2️⃣ Diversify your portfolio: Could talk about this for hours, but buy index funds people! 3️⃣ Stay informed: Don't be reactive, but make sure you know what's happening in the investing world 4️⃣ Think long-term: You simply cannot be a successful investor if you don't plan on sticking it out for the long term 5️⃣ Expense ratios: Don't pay to invest your money, find low expense ratios! 6️⃣ Understand risk tolerance: Are you 40 years from retirement or 5? Invest accordingly. 7️⃣ Consistently rebalance: Don't let your asset allocation get out of whack 8️⃣ Think before you act: Don't act based on trends, take your time and think! - Matt . . . #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
Just recently announced, Intuit will be KILLING the Mint app in Jan 2024. They plan to push people towards their CreditKarma app, which they says should have a lot of the same features. Not sure about you all, but I am NOT happy about this. I have always loved the Mint app and have used it for years to diligently track my spending and net worth. Intuit bought it in 2009 for $170M, so sounds like it ended up being a pretty bad investment for them... I guess they really struggled to monetize from all of the cheap-budgeting users like me! Still personally deciding what I will use next, but here are some options. YNAB is paid but seems to be the best budgeting app out there from what I've read. I am interested in Personal Capital though as the net worth and investment graphs seem to be really good. Anyone else sad about this, and what else will you be using now?! - Follow @mattthemoneyguy for daily money tips 💰 Follow @mattthemoneyguy for daily money tips 💰 Follow @mattthemoneyguy for daily money tips 💰 - #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
Great to collaborate with @thefiquestcouple to talk about WHY we want financial independence! Most people obviously want to have money, but if you have clear objectives as to why you want to build your wealth, you're much more likely to get there. Money isn't just to buy things, it's to have control over your time and your life. Just because someone wants money doesn't mean they are greedy, oftentimes it means that they have objectives that they are pursuing and money is a means to get there. I highly recommend you follow @thefiquestcouple, they have a great page that I have learned a ton from! - Follow @mattthemoneyguy and @thefiquestcouple 💰 Follow @mattthemoneyguy and @thefiquestcouple 💰 Follow @mattthemoneyguy and @thefiquestcouple 💰 - #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
Guide number 2 coming right up! The goal of this page is simple - show you the personal finance practices of the rich. You cannot manage your money like the rich if you don't know what types of accounts the rich are using! I will follow this over the coming days / weeks with some "deep dives" on each type of account. I'm not saying these are the only accounts that someone who is rich will have, but every rich person will certainly have these accounts. It's not just about having them though, it's about how you use them :) I'll include with each deep dive what the best practices are on using each account and before you know it, you'll be set up to manage your money just like the rich do! - Follow @mattthemoneyguy for daily money tips 💰 Follow @mattthemoneyguy for daily money tips 💰 Follow @mattthemoneyguy for daily money tips 💰 - #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
Most people love to travel, but it can be EXPENSIVE. Here are a few basic tips to save money: Credit Card Points: Maximize your travel budget with credit card points – turn everyday spending into free flights and hotel stays Booking Off Peak: Score the best deals by booking off-peak travel dates – save big and skip the crowds Joining Loyalty Programs: Unlock exclusive perks and discounts by joining loyalty programs Driving, Not Flying: Hit the road for savings! Consider driving instead of flying to cut costs on transportation and explore more along the way. Choose Cheaper Destinations: Discover the world on a budget – opt for affordable destinations to stretch your travel dollars and make the most of your adventures. Use Price Comparison Websites: Harness the power of price comparison websites to find the best travel deals across the web. Bring snacks: Snack smart, travel savvy! Save money by bringing your own snacks – your wallet and taste buds will thank you. Plan Free Activities: Adventure doesn't have to cost a fortune! Plan your itinerary with free activities to make the most of your trip without breaking the bank. - Follow @mattthemoneyguy for daily money tips 💰 Follow @mattthemoneyguy for daily money tips 💰 Follow @mattthemoneyguy for daily money tips 💰 - #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
I follow all types of personal finance accounts, and one of the most frustrating things I see is when they say things like “just aim for 1% per day!” When it’s phrased like that it seems so easy because 1% seems so attainable, it is a small number after all? I just want to reiterate that THIS IS NOT POSSIBLE TO DO CONSISTENTLY! If you were to get 1% in gains per day on the minimum account size to legally day trade (which is $25k), you would have $298k in one trading year. If this was possible to do with any sort of certainty, there would be people out there becoming billionaires left and right from this based on the multiples. Just for reference, after another 250 trading days of 1% gain, you would have just under $3.6M. Please don’t fall for the fantasy that you can get “1% a day” because even the most well funded banks and hedge funds in the world can’t do that. - Follow @mattthemoneyguy for daily money tips 💰 Follow @mattthemoneyguy for daily money tips 💰 Follow @mattthemoneyguy for daily money tips 💰 - #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
For the longest time, I thought that retirement was this vague concept where you just got "a lot" of money and called it quits on work. It turns out, there is a bit more math behind it than that! This is an example of what we call the 4% rule, a rule that was derived from a study on retirement 1998. The very short conclusion of the study is that you can safely withdraw 4% of your assets each year to safely retire. If you're like me, you're thinking "but I thought index funds returned 8-10% per year, why can't I withdraw that?". The answer is because unfortunately, those returns are not consistent and that means that the withdraw needs to be less in order to account for something called "sequence of returns risk." In this example, imagine that COVID happens again and David's $5M dips to $3M. Now his $200k withdraw is much more of his portfolio value than it was at $5M! With a conservative withdraw rate like 4%, that's okay because over time David's investments will rebound. Even if you don't want to retire early, you should for sure play around with the 4% rule and try to figure out what your number is to retire early! - Follow @mattthemoneyguy for daily money tips 💰 Follow @mattthemoneyguy for daily money tips 💰 Follow @mattthemoneyguy for daily money tips 💰 - #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
Fuch It Bro... _ If you want to learn the best way to make money 💰 online in 2024 👉🏼Follow @mindset.of_success _ _ _ 👥 Tag someone who needs this 🔔Turn on Post Notifications⠀ 👨🏼💻 Save to see Later Again. . . . . . . . . . . . . . . . #successmindset #lessonlearned #lessonforlife #lessonslearnedinlife #lessonsoflife #millionairequotes #millionairelifestyle #millionaireclub #richmindsets #financialliteracy #financegoals #moneytips #financecoach #moneymindset #investingtips #moneytips #investingforbeginners #investmenttips #moneychallenge #billionaire #successmotive #entrepreneurmind #hustlers #entrpreneurship #hustleharder #successfull #billionairelife #careergoals #careeradvice #richmindset #motivationmoney
Financial success is a journey, not a sprint. These hacks have helped us, and we hope they help you too! Make sure to follow 👉 @mattthemoneyguy and 👉 @financial_wanderlust to get the best tips on saving money & wealth building💰 Share some of your personal finance hacks in the comments below!👇 . . . . #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
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Join me on my podcast @DuchessDJLove How do I afford to travel so frequently? Follow my journey to find out. I have books on Amazon, a podcast on YouTube, free online webinars, and other revenue streams generating money while I sleep/travel. If I can do it, then so can you! #realestateinvesting #financialplanning #millionairemindset #debtfreejourney #financialpeace #moneymanagement #wealthbuilder #investingforbeginners #moneygoals #wealthyminds #entrepreneurship #financialempowerment #financiallyfree #wealthcoach #invest #goals #motivation #businessowner #networth #personalfinances #retireearly #realestateinvestor #financialsuccess #wealthmanagement #debtfreegoals #firecommunity #creditrepair #travelandwealth #travelwithduchessdjlove
Who says Bitcoin investment can't be fun? 've always found that the more I laugh and enjoy life, even when it can seem daunting, the more I can work through what I need to and overcome the obstacles in front of me. Investment can be daunting but you don't have to go on the journey on your own. I started so diligent so i could help people plan for their future and live life more abundantly. Let's chat about your financial goals! LINK IN MY BIO #investment #invest #investing #investors #investor #investimento #investingforbeginners #bitcoin #work #life #lifestyle #enjoy #enjoycanada #laugh #obstacle #morefollowers #more #daunting #overcome #future #diligent #journey #fun #finance #financetips #financialfreedom #financialliteracy #financialindependence #financial #linkinbio
Now that the S&P500 is approaching all-time highs again, I’m starting to see more and more people holding cash on the sidelines and waiting for it to drop. Let me make this clear - this is NOT a good idea and will in all likelihood lose you money in the long term. People are NOT good at timing the market. There are hundreds of stats out there to prove how poorly holding cash to time the market is for long term performance, but I think the simplest was to show it is with a graph. When the S&P500 was at all time highs in 2015, people were saying the same things about it being overvalued. If you waited to invest your money then, you would have lost out on double digit returns in the coming years. Even with the COVID drop, one of the LARGEST DROPS in the past several decades, prices only returned to 2017 levels. And that was for a FEW DAYS before it began to correct. That means that even if you were holding cash to drop into the market, you would have had to choose your timing within a few days in order to fully capture the price drop from COVID. Invest money you don’t need for at least 5 years and you don’t have to worry about short term fluctuations in the value of your investments. Just get your money in there and let the market do it’s work! - Matt #MatttheMoneyGuy #personalfinancehacks #moneyhacks #personalfinance #personalfinances #personalfinance101 #financeapps #financialfreedom #financialliteracy #financialplanning #financialgoals #financialgrowth #financialadvisor #financialeducation #financialindependence #financialadvice #investment #investments #investmentstrategies #investing101 #investingtips #investing #investingstrategy #investingeducation #investingforbeginners
Follow us @millionaire_counsellor for more interesting content !! ⭐️ ... UK Prime Minister Rishi Sunak and his wife Akshata Murty have surpassed King Charles in personal wealth, according to the latest Sunday Times Rich List. The couple’s fortune rose by £122 million last year, bringing their total wealth to an estimated £651 million. This increase is primarily attributed to Murty’s shares in her father’s company, which have appreciated in value. #Successmindset #lessonlearned #lessonforlife #lessonslearnedinlife #lessonsoflife #millionairequotes #millionairelifestyle #millionaireclub #richmindsets #financialliteracy #financegoals #moneytips #financecoach #moneymindset #investingtips #moneytips #investingforbeginners #investmenttips #moneychallenge #billionaire #successmotive #entrepreneurmind #hustlers #entrpreneurship #hustleharder #successfull #billionairelife #careergoals #careeradvice #richmindset #moneymotivation
Back to the basics. Make sure you have these terms in your vocabulary. Keep building your empires 👑 — #etf #indexfunds #Money #Wealth #ThinkAndGrowRich #FinancialIndependence #WealthBuilding #WealthyMindSet #MoneyTips #RichDadPoorDad #WealthCreation #BuildingWealth #Investing #InvestingTips #Investing101 #InvestingForBeginners #ValueInvesting #InvestmentStrategies #sp500 #stocks #brokerage #savings #saving #savingsaccount #financialfreedom #financialliteracy #financialindependence #financialindependenceretireearly