These are my strategies of how to invest in 2020 and beyond, some concerns I have for newer investors, and which investments would be ideal to look into – enjoy! Add me on Instagram: GPStephan
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We are now in the longest running bull market in HISTORY, which started in March of 2009…and since then, we’ve seen almost 11 YEARS of consistent, year over year growth…with a total return of about 472%.
From what I’ve seen….a lot of investors – especially NEWER investors – FORGET that markets go down, and not everything just consistently goes up in value. They’re investing with the mentality that the stock market should progressively and automatically increase year after year, and they’ve never experienced a time where the markets drop. That, I believe…is a dangerous combination, where it’s easy for people to get ahead of themselves and potentially be caught in a situation where they over-invest – and then have NO IDEA what to do during a bear market when they lose money.
Who knows when that will happen, it could be tomorrow, or it could be in another 10 years…but, it’s important that you set yourself up in a good position NOW so that when it DOES happen, you will be ok.
FIRST, think to yourself…if your investments dropped 20-40% right now…WOULD YOU BE OK? If this is something that would DRAMATICALLY worry you, get you so fearful about losing money, and cause you to sell everything off as a way to preserve your capital…then, you really need to reconsider how much you’re investing, and try to spread out your risk as much as you can.
SECOND, have a LONG TERM outlook on your investments. To be honest, no one know what will happen over the next few years…but, HISTORICALLY, since the inception of the stock market, a 20-year holding period has never ONCE produced a negative result.
THIRD – it’s also important, no matter what – to keep an emergency fund worth 3-6 months of your expenses. This is your safety net in case the stock market crashes, you lose your job, and the entire economy sinks into an endless pit…at least you have 3-6 months worth of savings to hold you through until you find another job, or re-adjust your lifestyle to be able to save a little more money.
FOURTH – I also highly recommend you pay down any high interest rate or variable interest rate debt NOW, while the going is good. That means any credit card debt, any personal loans, or any short term mortgages should probably be paid off as much as you can. I’m just a firm believer that you should make hay while the sun is shining – and when the going is good, NOW is your time to put yourself in the best financial position possible.
And FIFTH – since this video is about How To Invest in 2020…here’s my overall advice, and exactly what to do, regardless of what happens in the market:
First, look into maxing out your retirement accounts:
I recommend most people begin by maxing out what’s called a Roth IRA an contributing to a 401k, as well.
Second, in terms of WHAT to invest in – the choice is really yours. But, typically…I like the Index Fund. This is just a broad investment that tracks the overall market – so, if the entire market does well – so do you.
If you want to invest in individual stocks…LIKE TESLA…be my guest. But understand that doing that is MUCH risker.
And, third…just do all of this consistently. Investing is NOT meant to be a one-and-done approach….you’re meant to invest a consistent amount, every month or every year, without skipping a beat…and doing that allows you to buy in to the lowest lows, and the highest highs, and average out your buy-in long term.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Bruh…… I absolutely love your videos and information…. But your JOKES…… Are seriously underappreciated…. You are a comedian at heart…
Thank you for not going to college and losing yourself. This world and people like me need you.
Oh and smashed the like button
_Aliens invading_
“Whew at least I have *3 to 5 months worth of living expenses saved* “
Carry the 4, multiply by pie squared, smash the “like” button for the YouTube algorithm..🤣🤣🤣
Hey Graham, How big is your emergency fund in USD?
iphone 11??!? really graham i cant with you. Thats not being a financial minimalism:/
I like different aspects of different apps, and it seems like a great deal to get the free stock with webull. Would you suggest sticking to one app? Are there benefits to using multiple?
So is it even worth investing right now? The market is so high, and it’s hard to believe it will get a whole lot higher than this right now.. I am going to be getting a lot of money and am a first time investor and I am trying to figure out what to do.
would an Roth ira be an example of an emergency fund?
Epic Foxx no, a Roth IRA is a retirement fund. Your checking account is usually an emergency fund
@Sam Reagan thanks for clarifying
Watching this just as the market is crashing lol
Yes you’re right. That’s him, you must be lucky to have him handle your trades
Yes. Most of my friends have joined me as well
@Carlos Rafael I have zero experience in stock and investing, how could I contact Arnold to help me out? How much would I have to dish out since I’m borderline poor? Any tips would be kindly appreciated.
@Angie Brown Don’t listen to them, they’re scammers. Just report the whole comment chain
lmao 5 months later and the S&P 500 just hit a record high…
At 0:32 to 0:58 when you started zooming in, I could have sworn it was gonna end with you saying to smash the like button for the youtube algorithm.
the bubble has bursted sadly because of the coronavirus
This video didn’t age well. Market crashing 😂
Faris Danish I would like to see a newer video now as of April 4 2020
Yeah, I’ve been going through his videos to see when the turning point hit in his channel
Lots of top companies have had their CEOS step down and Jeff Bezos just sold 4 billion in stocks? They know market is crashing soon.
A young man helping other young people with financial advice.
Age 59.5? Who decided on that ridiculous number? We in Canada get a Tax Free Savings account that I can invest and withdraw tax free immediately
*CORONA VIRUS HAS ENTERED THE CHAT*
well, this was timely 🙂
CoronaVirus… the Great Depression of 2020. Love the videos! My bank account loves you too. Keep up with the great videos ❤️
im gonna get fuckin rich from forex trading next month to the point im not going to need to work a job when i am older
COVID-19 has entered the chat
She had really made name for herself.
Those scammers they promise to make up to $50,000 within the space of 7 days with just $500 and end up not even refunding your capital but she’s a woman of integrity, with just $500 she will tell you can only make profit within the range of $4,000 to $8,900 and she actually delivers.
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I am so happy this is real .Expeditetools,com got a transfer of $39,000 directly to my bank account .
I am so happy about this .I just got a transfer of $30,000 directly to my bank account all thanks to expeditetools com .
Added concern: GLOBAL PANDEMIC
As a beginner I imagined investing being easy but its all rocket science to me, last week I read about an investor that made over $375,000 in a couple months with $80,000 and I was surprised a good number of people made that much esp. during this period, i really would appreciate any tip or clue on how to make better gains.
Impressive, I have always considered using a broker but I just didn’t know how to find one
@Dawn LaTour I think I may have come across your broker Marilyn on a CNBC interview where she was featured please how do I reach her
@Daniella Sven you can reach her through her website, just search her name online, all her info are on google
@Dawn LaTour >320% ROI in just a few months
Yeah no.
It is a lot of hard work to be an active investor. Don’t let anyone tell you differently. We eat, sleep and breath the forex markets at dreamfire52. The difference is that we love it. So many people think it is easy money and are disappointed. It can be fast money, but not easy money.
I don’t understand 1 thing. You are saying that the loss is -40% average but is this compared with the initial price of the market or the one fron the maximum of the stock market? For example a bear is coming u invest just before the drop and u loose from the max point to initial plus another 40%.
Is it good to buy now before the crash? That is the question?
WHAT NOW GRAM
Thoughts on current situation with stock market being hit with fear of Corona virus?
I agree with almost everything you say in your videos. But that just isnt true. I can out perform the s&p every year without fail, and i know many people who do the exact same. However I unserstand that Most people who day trade do not out perform the market.
Jared wesley of the live traders youtube channel goes over day trading in extreme detail and has an exact trading plan layed out that makes much more than the market every year.
“with no end in sight”
Coronavirus: whoops
Great timing based on current market conditions, specifically the last 5 min! Well done 👊🏽
What will happen: The fed will keep inflating the dollar to lower interest rates even more. The fed knows theres no way out of a financial collapse, but they will try to do everything in their power to hide/slow this recession down. The stock market will keep rising, while interest rates keep going down(we will never have a rate hike anymore). This sounds good, until the cost of living rises way past the 2% target rate over these next few years. The steep bleeding of the purchasing power of the dollar will be recognized worldwide, and people will start to invest in the scarcest/hardest money available to avoid heavy inflation. The only two options are gold and bitcoin. Since this next recession is going to be a currency crisis, we will have a rising stock market with lower and lower interest rates(like Venezuela). This is something that has happened hundreds of times throughout history, and all paper money returns back to its intrinsic value: zero. This is a cycle that always happens, and theres always prosperity after the collapse, and we all get a front row seat to the whole thing.
Thanks, Graham!
I smashed that like button like 10 times Graham, great content!
Huh… No one ever told me before that a typical worst case market crash scenario was just around 40% instead of completely wiping out
Certainly puts things in to perspective…
Hi Graham, i started watching you last year and finally this year i subscribed. And also finally i decided to invest in index funds.
My question is how can i do it as an european. With Vanguard you can invest only if you are based in America from what i searched until now,
Thanks!
Me and my wife recently paid out all the credit card debts, we are finally in positive and started contributing to our IRAs. Sometimes I get anxious, because I would like things to happen faster. It’s a marathon. I started reading books about stock markets. There is so much material out there that it feels overwhelming and as a complete noob I am wondering where I should start. I would like someday to do some short term trading to add up to my salary and my wife’s and our long term investments, but I feel like I have a long way to go. Does anyone have books to suggest for a total beginner?
What about investing in cash app
Can you make a video on deciding how much money you should put into stocks and Index funds while trying to save money to invest into real estate?
Um. Bitcoin crushes all of this in terms of gains in the last 10 years. Just saying. Also, FED money and stock buybacks don’t suck either. A month later…the bubble might finally be popping.
All bubbles just popped lol
Invest in hype
Awesome video! However, I would also say No time is better than now to buy bitcoins. The reason is that we are on the verge of a strong bull run. Another approach I have taken that has been so profitable for me is not just buying and holding but also strategically growing my portfolio by trading using the well-known signal service of Michelle Robert. I’ve been growing my coins steadily with just my initial capital of 0.15btc to 3Btc in just 2 weeks of consistent trading with her signals. Honestly, It’s very effective and easy to use this same approach and I am sure this will not be news here cos most people that would come across this post would probably already have used and benefited from her training or trading services. You can reach her on *instagram* , her page is @ mrsmichellerobert or Whatapp *( +1 716 495 3214)* for those who don’t know her and would love to try a different approach in making good consistent profit from bitcoin trading? Michelle is your best bet
I think that a creator has some degree of responsibility
with regard to their audience, to change, to give them something different, to
give them something new each time, to give them something that they are not
expecting, to try to surprise them and not bore them.
Man this guy is so smart honestly. I’m only 22 but I honestly for the first time in my life have a 10 year plan. Own 6 rental properties by the time I’m 32
Hey Graham! We’re ON our way to be successful Like you #singleMomma of two ✌🏼😊😊 keep at it with these great info it’s helping people like me learn so so much! Sending lots of love
Your 70% VTSAX, 20% VTIAX, and 10% VBTLX suggestions look very appealing, however, I’m 64 years old. You mentioned investing for 20 – 30 years… what about 10 years? Still (probably) good?
Who else watching in March 2020 😂😂
NO END IN SIGHT!! Ba-dum-tsssss
You should keep doing more of this Graham. I took the advice you gave on your video i watched last year regarding Stock Trading. I have started investing already. i was commended to Mr Richard Butler, an affiliate with Td Ameritrade by an old friend who is likewise into stock trading and I’ve been making huge return from it, with profit coming in consistently
I also buy stock? its a very profitable investment despite it flues. The stock market is one investment option, which though risky has give investors huge benefits if they have the right assistance.
do you mean Richard David Butler?
@mom of 3 Yes. i currently have 2 investment account with him, that man is very good at what he does. Do you trade with him too😲
@Connie Montenegro No, he’s my husband personaI fìnancial advìser.. its so amazìng to see someᴏne that ìnvest with Richard. i pIan to stàrt my tradìng ìnvestment with him by the end of this mᴏnth.
I’m using Ameritrade TOS program and it’s by farr the best program out there. It’s like they landed something on the moon and other competitors cannot even get out of our own stratosphere. Their customer support is always relatively fast and they’re very much helpful.
5:15 I think we have our answer.
Nice, you really put this video out at the right time.
Graham: “Even if the stock market drops 20% in a week, we’re still 10% ahead”
Stock Market: “Hold my beer”
Also @Graham, check your math. If the market goes up 30% and then drops 20% you are only up 4% net, not 10%.
Sooooooo….. Are you still holding through this Graham?
Wait to invest till Corona Virus lowers all costs to get into the market.
This video aged poorly
watching this on 3/17
After watching more and more Graham’s video, the only thing I learn is the like button gets smashed.
“Next month”
Spoiler alert:
COVID-19
FML
holy fucking adds.
Hoooooly cow. 5 adds for an 18 minute video and he mentions subscribing and “liking” his videos an almost immeasurable amount of times. Hard up for that youtube algorithm are we? Geeez it’s nauseating…. think I’ll go take a shower and wash all the filthy begging off myself now
GOOD JOB
Just to let you know. You have basically saved my life.
End of story.
Thank you gram.
Quite informative- only annoying thing is u keep reminding on smashing the like button. If people like they will…
Mate, I understand that the plugs are necessary, but I hope you’ve learned how annoying they are. This was a great video. But please, please, please be more strategic. I keep getting distracted and can’t focus on the valuable information you’re putting out.
I just want to say, I really appreciate your viewpoint here. I’m watching this in April after the stock market crashed. Your strategy is sound. I’m just now getting into investing and I really appreciate the advice. I hope my $100 a month does well.
sounds menial, might not do you so much also depending on the stocks you’re investing into. why not take into crypto? you can buy XRP and that would do some decent work for you.
2 months later the world has fallen apart
Taking advantage of stocks can be a lucrative move as we all know how rewarding it could be overtime.
Stocks has always being the best bet for me.
Augustina De Mevius First off, you have to understand that it’s not magic but you can achieve more when guided. I took losses before I came across Wes Grafton, an expert in stocks that has helped managed my portfolio and Has also help my profit grow tremendously. You can reach… *Wesgrafton (a) g ma il. com…* . To avoid pitfalls as a novice.
I think for those who have enough to spare, it’s advisable to invest in stocks and know you have a stream bringing money in while on lockdown. The higher your capital, the higher your earnings.
I’ve stumbled upon countless appraisals of his expertise. I’m definitely giving it a shot.
That man Wes is an absolute genius in executing trades. My gains are surplus much to my amazement. He’s indeed the go to man when it comes to stocks.
What about MSCI world that represents 85% of the world economy?
11:58 *laughs nervously*
It seems that for the most part recessions were product of unhealthy economic activity that accumulated and then you get the drop and then the cycle begins.
It sounds like every time it happens “it’s different this time”.
But with COVID-19, is it different this time? Market didn’t drop due to necessarily unhealthy economic activities yet. Maybe it was due for it and some time soon but COVID-19 seems to have been an artificial/external force on the market. On my thoughts on this reasonable? Or is this time just as different as every other time so it’s the same?
Mr Francis Martins has one of the best strategy out there, I make $15K every 7 days with him as my broker
How can your broker be contacted and what’s the minimum?
@Chinwendu N I contacted him at <>
I’m stunned seeing other investor’s of Mr Francis , I’m on my 5th trade with him, his strategy has no rival and that gives him an edge over other brokers
That is very correct. it’s uncommon for new traders to risk all their available free margin on any other trade. That’s a recipe for wiping out your account
This video did not age well
my main source of income is trading forex and Stock I make an average return of 180% to 250% daily…..
His name is Nathaniel O’Rourke you can check out his instagrąm » nathanellvl or nathanielorourke@gmąil.com
You work with this mister? I have heard bout how he made massive profits for his clients from the last Tesla spike. I’m definitely reaching out to him thanks.
Hello Sebastian Mr O’Rourke also manages my forex investment. I’m only glad I got to know about his services on time he’s made me $ 24,000 just last month alone I only got to invest $ 4,500 in total. Honestly this man deserves more credit than what he is getting.
2weeks ago I heard about this Man and I sent him a txt he brought me up to speed about his services and I threw in a little $ 600 to be precise, within 9 days he made $ 4850 I mean 9 f*** days. Nathaniel’s platform definitely knows no competition
fancy seeing this comment here Nathaniel also trades Stocks on my behalf I invested close to 9,000 2months ago on his platform and he’s made me massive profits Sums up to 36k I just received my profits a week’s ago. Glad I had the courage to go through with this.
7:06 Well you were a bit off lol
Jake your a bit off your rocker hating isn’t a Christ like quality.
11:56 You weren’t that off
“lose money on paper” not until you sell. You only lock in a lose if you sell or the company really die
Must… smash… like button.
Recession! United states literally on fire! My city hurt, Must diamond hands.
It’s hard to tell people believe in long term..people want something like free winning lottery..
This covid has caused a market slow down it’s like a mini recession for the working class. So it’s buyer’s market because it’s going to take at least year for the economy to get going again and maybe 2-3 years for people to have the cash flow and confidence to buy again.
Algorithm technical data . Hitting the like helps me continue to make informative market vlogs.
Watching this now I think you might not have seen some algorithm effected by the v.
graham is a prophet hahahahah
Can we get a reaction to this one lol
true
people watched this video and decided to sell all the stocks in Feb made tons of money!!
Yeah…buy and hold long term, but don’t think that holding onto a stock or ETF for 10+ years is a good idea if you only cash out with a 50% gain from your original investment. KNOW WHEN TO SELL.
you cannot get any of those through webull.
Him making fun of investing in Tesla today….
2:03 true, no one could have predicted Covid – 19
Investing in 2020 have taken a new dimension. After the 2008 recession investing took a different dimension than it was before 2008, and in 2020 due to the coronavirus, investing has equally taken another new dimension.
Before 2020, anyone can wake up, invest in anything of their choice and make profit, but 2020 changed that.
Now if you don’t invest smartly, you are either going to end up with no profit or lose your investment totally to wrong investing.
I’ve been an investor, and I am still investing in well proven and well to do asset.
Some asset has shown that despite any meltdown that may occur, there won’t be any form of market negativity towards it, such investment are digital assets such as bitcoin.
If you have not been considering digital asset investing or don’t know how to invest, I will urge you to take the time out now and consider it.
I invested in Bitcoin by March 15, 2020, when all market asset was down, lucky for me I invested because a professional investor and trader named Nyberg Hansson told me to do so, and fast forward to June 2020, I have gotten over 200% increase in my asset, and not only that, he equally taught me how to trade cryptocurrency, he provides me with signals to trade with, now I earn profit from both ways.
If you have not been considering digital assets investment, now is the time to do so, and do well by contacting Nyberg Hansson through (nyberghansson@protonmail.com), Telegram @nyberghan, and WhatsApp +447427229815, so that he will guide you on how to get started.
I have been copytrading from Nyberg Hansson for over 2 months now and it has been a great experience, and I can tell how many of my friends he’s trading for and they are all doing well. God bless him
Investing gives me a certain level of confidence, knowing i’m fully in control of my cashflow, I began investing earlier this year with the assistance of Nyberg Hansson and so far I have made over $638,000 from my investment capital of $210,000, you stand to make better profit investing with an expert.
Bitcoin? I have heard about it as the next big investment, but I have never had the time to invest, how can I invest in it?
Allowing an expert like Nyberg Hansson to mentor you is the best cryptocurrency trading advice and signals once can ever get, thanks to Nyberg for all he has done for me.
I got help from expeditetools,com financially .They got a transfer of $30,000 directly to my bank account .
Great stuff, I have seen so many videos and I am still confused about stock trade and investments, I tried to begin the stock trading myself but I was not successful. Now I wanna try again but this time, I need a good advice and directions to follow. I do not wanna waste my hard earned money. Thanks for understanding.
Anyway, despite the fact that I am successful in my achievements today, I honestly did not know where to start when I was a beginner, so I had a good licensed broker, who I trust to guide me through my every move. In fact she helped me trade most times. A friend of mine recommended her to me and I have been very grateful since.
@Britney Phillips Wow!! so much money in just 6 months of trade? I am definitely interested. I need her recommendation. How do I get her contact?
@Melissa Foster Her name is JULIANA GUNAWAN LEE, like I said, she is a licensed broker and the best portfolio manager I know.
You have to search her complete name JULIANA GUNAWAN LEE, on the internet, GOOGLE to be precise, you will find her WEBSITE. Get her contact from there.
@Britney Phillips I have searched her name JULIANA GUNAWAN LEE on Google, and I have all the details I need about her. I am contacting her now to begin. Thanks.
I lost my job and was staying at home. I didn’t have enough money to sustain me and my family until I saw a post about Mr Carlos that he teaches forex trading for free and when I reached out he helped me turn my 600USD into 12,700USD in just six days using forex trade, Mr carlos @carlos_1uptrades on 1nstergram is indeed a God sent.
Experts are twats never listening to experts.
At 11:56, the rest of 2020 picked off every single point he made.
I was able to build a big income stream during the covid-19 pandemic investing with a professional broker,Mrs Rosie.
I’m new at this,How can i reach your broker??
i was skeptical at first till i decided to try. its huge returns is awesome.
@STEPHEN, Mary
you can reach her through Telegrm page @investwithofficialrosie
@Felicia Hope Thanks………….
she handles my investment too, Mrs Rosie is professional, dont get it confused, reach her easliy on Telgram @investwithofficialrosie
How long? How about a month (March 2020….)!
What’s a “high interest savings account”? Lol
SCP 6001
this is hilarious, commented may 2021
The wisest thing that should be on everyone mind currently should be to invest in different stream of income that doesn’t depend on the govt especially with the current economic crisis around the world.