How to Invest Money - Find the Best Way for You скачать в хорошем качестве

How to Invest Money - Find the Best Way for You

To get our FREE investing starter kit (with 5 stocks!) go to https://www.Fool.com/Start Our broker center: https://www.fool.com/the-ascent/buyin... Investing in stocks: https://www.fool.com/how-to-invest/st... Investing in bonds: https://www.fool.com/retirement/2018/... Investing in ETFs: https://www.fool.com/how-to-invest/20... Investing in mutual funds: https://www.fool.com/investing/mutual... In this video, we cover: 0:20 - Emergency fund 101 1:16 - Choosing a brokerage account 2:00 - Roth vs traditional ira 3:35 - How to invest in mutual funds 4:16 - Index funds 5:52 - Etf vs mutual fund 6:11 - How to invest in etf 7:12 - How to invest in bonds 10:16- Bonds vs stocks 11:14 - How to invest in stocks Investing it a great way to build wealth, but it’s important to make sure you’re starting on solid footing. Generally, it’s best to only invest after you’ve set aside some savings in an emergency fund and paid down any high interest debt. Having three to six months living expenses on hand is helpful in case anything unexpected happens, and paying down high interest debt is a guaranteed return that’s hard to be beat by anything you’d invest in. Opening a brokerage account is typically a quick and painless process that you can do in a matter of minutes. You can easily fund your brokerage account via EFT transfer, by mailing a check, or by wiring money. There are a couple things to keep in mind though: First, determine the type of brokerage account you need. For most people who are starting out this means choosing between a standard brokerage account or an individual retirement account (IRA). If you want easy access to your money, are just investing for a rainy day, you'll probably want a standard brokerage account. On the other hand, if your goal is to build up a retirement nest egg, an IRA is a great way to go. These accounts come in two varieties -- traditional or Roth. When most people think investing, they think stocks and bonds. It’s what they hear all the time in the news, we’re going to define both of them quick: A stock is an equity stake in a business, owning a share of a company means you are a part owner, and are entitled to a sliver of the company’s profits. If the business succeeds, you enjoy your stake in the business being worth more. A bond is really a debt. If you buy a bond, you’re loaning a sum of money to its issuer for a predetermined period of time. In exchange, the issuer makes regular interest payments at a predetermined rate until the bond comes due, and then repay what you lent them upon maturity. There are other ways to invest, but stocks and bonds are generally the most common. Now you can put your money into stocks and bonds several different ways, you can buy: Individual stocks and bonds Mutual funds that hold stocks and bonds ETFs that hold stocks and bonds One of the most popular investing vehicles out there is the mutual fund. Mutual funds are a collection of stocks, bonds, or other securities that investors can buy a share of. You can find mutual funds that invest in stocks, bonds, as well as other types of investments, such as commodities. Most funds are available to all investors, even those who have only modest amounts to invest, which increases investing access for many. Beyond that basic definition, if nothing else, the thing you need to know about mutual funds is that there are actively managed funds and index funds. We generally prefer the latter. Same for ETFs. If you’re looking at mutual funds, be sure to keep an eye on: The returns over 1, 3, and 5 years and how they compare to the S&P 500 or the fund’s benchmark The fund’s “expense ratio” -- basically how much you have to pay to the person managing the fund. Mutual funds are great for beginners -- they allow you to instantly be diversified and you’ll earn returns that beat most “professional” investors. You can invest in individual stocks if you have the time and desire to research stocks on an ongoing basis. If this is the case, we encourage you to do so -- it is entirely possible for a smart and patient investor to beat the market over time. If not, it’s totally okay to stick to ETFs and mutual funds and call it a day. Here are the important concepts to understand before you get started. Only invest in businesses you understand Avoid high-risk stocks until you get the hang of investing Always avoid penny stocks Start out with established growing businesses with market leading positions. ------------------------------------------------------------------------ Subscribe to The Motley Fool's YouTube Channel:    / themotleyfool   Join our Facebook community:   / themotleyfool   Follow The Motley Fool on Twitter:   / themotleyfool