Discovering Investment: A Beginner's Journey into Stock Market Conservatism

Join me as I share my personal investment journey, from starting with just $0.01 to automating my investments and diversifying across various funds, including Vanguard's VBTLX, VTIX, and VIGIX.

  • 1. The speaker started investing in March 2020.
  • 2. She was motivated to invest after reading Tony Robbins' book "Money: Master the Game."
  • 3. She learned about compound interest and the S&P 500, which led her to explore different investment instruments.
  • 4. The speaker is currently very conservative in her investments, with an 86% cash position.
  • 5. She believes that an individual's investment strategy should be based on their ability to sleep at night, even when the markets are volatile.
  • 6. The speaker automates her investments and prefers index funds and ETFs because they allow for diversification.
  • 7. She uses Vanguard as her primary platform for investing in different index funds.
  • 8. An index fund is a mix of stocks in the market, similar to buying a little of everything from a fruit vendor.
  • 9. The speaker automates her investments every week and invests less than 10% of her income.
  • 10. She plans to increase her investment percentage to 40-50% in 2021 or 2022.
  • 11. VTIX is an example of an index fund with a higher management fee but lower commission, and it cannot be automated.
  • 12. VXUS is an ETF corresponding to VTIX with a lower minimum price and a lower commission, but it also cannot be automated.
  • 13. The speaker believes that automation is important for following the principle of dollar-cost averaging.
  • 14. She invests in bond funds and stock funds on Vanguard, including U.S. investment grade bonds, U.S. market index fund, growth stocks index fund, and international stock index fund.
  • 15. The speaker follows a rule that the amount of bonds held should be equal to one's age, but she is more risk-tolerant.
  • 16. She also invests in individual stocks through WeBull, Robinhood, and Interactive Brokers for testing purposes.
  • 17. However, stocks are riskier than index funds and require active decision-making.
  • 18. The speaker's WeBull portfolio generates around 5.6% annually, while her Vanguard portfolio generates over 11%.
  • 19. She is grateful for the investment advice she has received from various YouTubers and feels fortunate to have invested in March 2020.
  • 20. The speaker emphasizes the importance of making one's own investment decisions based on their personal risk tolerance.
  • 21. She encourages her viewers to sign up for WeBull or Robinhood using her affiliate links to receive free stocks.
  • 22. The speaker had a positive experience in September when she purchased Tesla stock, which fluctuates wildly.
  • 23. She believes in holding on to losing positions because she still believes in the companies.
  • 24. The speaker advises against listening to overly emotional investors who may give bad advice.

Source: Silicon Valley Girl via YouTube

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