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6 Beginner Investing Mistakes! DON'T DO THESE

I go through the top 6 beginner investing mistakes. Save yourself a bunch of money, and watch this video! Avoid the pitfalls, I've made almost all of these mistakes - and I don't want you to make them! 🖌 Links: ▶️ Stock Portfolio + Tracker ➭ https://whop.com/c/critical-wealth/ytd 🐪 Hump Days Newsletter ➭ https://humpdays.substack.com 🗞 Follow My Twitter ➭   / humphreytalks   👾 Personal Finance Discord ➭   / discord   🖌 Free Stocks: ► WeBull (Get 6-12 Free Stocks worth up to $30,600 when you deposit $100)) ➭ https://a.webull.com/i/HumphreyYang ► Moomoo (Get 5 Free Stocks valued up to $2500 each) ➭ https://j.moomoo.com/00iNNL ► Public ($10 Free Stock) Investing App ➭ https://pblc.co/humphrey ► ► Robinhood (Free Stock Valued Up To $250) ➭ https://robinhood.c3me6x.net/qPyKY 💌 Sign up to my weekly email newsletter ➭ https://humpdays.substack.com Join my Personal Finance Discord Community Free ➭   / discord   Patreon ➭ https://whop.com/c/critical-wealth/ytd Get a Free Stock With Robinhood ➭ https://robinhood.c3me6x.net/qPyKY 1) Paying too much in fees Pay attention to WHATEVER you’re investing in – and ensure that the fees are as low as possible. Most people pay way too much in fees, especially mutual funds - where the average expense ratio is 1.4%. 2) Timing the market Don't do it! Time in the market beats timing the market In research by Charles Schwab research, they tracked the performance of 5 hypothetical strategies for 20 years where each person received $2,000 at the beginning of the year. The results are astonishing. One had perfect timing, one invested their $2k immediately, one dollar cost averaged into the market, one had bad timing – investing at the market peak every year, and then the last person left it in cash and only bought treasury bills. The results? Investing immediately was the best strategy next to “Perfect Timing” – but Perfect Timing was defined as timing their investments PERFECTLY over a 20 year span, consistently buying at the market lows, and even then the investing immediately strategy So investing immediately even did slightly better than dollar cost averaging. The point I’m trying to make is: as long as you’re invested in the market, time in the market beats TIMING the market! For 99.999% of investors out there, this is going to be the case. 3) Not investing at all While there are ups and downs in the market and you may lose $ in the short term, the issue with leaving your life savings in the bank is simply this: inflation is targeted at 2% per year by the Fed. So your money in the bank now? It’s going to be worth less over time – so what can you do to combat that? Try to get a return that is either at inflation or slightly beating it so that your money can stay RELEVANT. 4) Not considering tax implications Taxation depends on how long you hold the stock or equity for. Taxes will take a huge chunk out of your investments in your lifetime so the best way to start investing is with a Roth IRA. If you don’t know what that is, it’s essentially a retirement account that lets your earnings grow tax free until you withdraw them at the age of retirement. 5) Letting others influence your investing decisions Chances are that if you get into investing, EVERYONE and their mother is going to have some sort of investment tip for you, or strategy that they follow. What works for them ISNT going to work for you, and vice versa. This is because we all have different risk tolerances, goals, and investing strategies that we prefer. 6) Not knowing how much to invest, or what goals to invest for. This is kind of two lessons in one but basically, what you want to do when you start investing is to figure out what your goal is – because your goal will have a hand in how your investing strategy works. For example, if you goal is to retire early and live off passive income, decide how much you want to live off of. If your lifestyle costs 50k a year, and you want to generate that through investments, well at a 5% return, you would need $1 million liquid invested at 5% a year to get to that point. Figure out what you need and work backwards. 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 receive a small percentage made via those links, but it doesn’t cost you anything extra!