Index Funds For Beginners - Your Guide For Passive Investing in The Stock Market

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  • Опубликовано: 29 янв 2025

Комментарии • 463

  • @clearvaluetax9382
    @clearvaluetax9382  Год назад +29

    Join our EXCLUSIVE Investing Community at: ClearValueInvesting.com
    GET 3 FREE STOCKS when you open up a stock account here: a.webull.com/i/ClearValueTax
    Some helpful videos for you:
    Index Funds vs. ETFs (which is better): ruclips.net/video/fYYPRtRZ9Gg/видео.html
    Index Funds vs. Stock Picking: ruclips.net/video/SmXNkVuI3BA/видео.html
    How to Invest in Stocks (for beginners): ruclips.net/video/dbDijzEgo7E/видео.html

    • @210jizzel9
      @210jizzel9 Год назад +1

      Awesome content 🙌🏾

    • @Vatana13
      @Vatana13 11 дней назад

      😮

    • @Vatana13
      @Vatana13 11 дней назад

      😅

    • @lucasrodriguez2025
      @lucasrodriguez2025 11 дней назад

      Do you think it's a good idea to try a little bit of everything? I'm learning to be a day trader and i want to invest in a index funds.

  • @schadenfreudeind
    @schadenfreudeind Год назад +108

    This is a perfect 101 video. I will share this with anyone I know who is at the beginning of their financial journey. Thank you for making this

    • @Dethmaster64
      @Dethmaster64 Год назад +3

      You should give investment advice at conventions to cosplayers

    • @schadenfreudeind
      @schadenfreudeind Год назад +4

      @@Dethmaster64 Now there's an idea!

  • @miguelivo6800
    @miguelivo6800 Год назад +145

    I rarely comment, but I have to say this is one of the best channels on youtube. This video is very very good, straight to the point, no BS, I love it.

    • @dmbfannh
      @dmbfannh 10 месяцев назад +2

      Yes I really like the way he explains things. He is an amazing teacher of his huge amount of knowledge.

    • @ACGator03
      @ACGator03 Месяц назад

      Agreed

  • @scottmorrison5668
    @scottmorrison5668 Год назад +340

    99% of investors should stick with a low cost index fund. Put money in every month and let it compound for decades. There are probably less than 10 people who have the ability to outperform the market year after year and I can assure you they are not working for a mutual fund company or working as a financial advisor.

    • @yungcre8or800
      @yungcre8or800 Год назад +8

      Which investment management company do you recommend that has low fees?

    • @scottmorrison5668
      @scottmorrison5668 Год назад

      @@yungcre8or800Vanguard

    • @Foulcun
      @Foulcun Год назад

      @@yungcre8or800 Fidelity has some fee free index funds

    • @QuestClaimer
      @QuestClaimer Год назад +5

      The elements of investing good one

    • @audiolego
      @audiolego 11 месяцев назад

      @@yungcre8or800I use Fidelity. FXAIX ❤❤❤❤❤❤

  • @alicegilbert4186
    @alicegilbert4186 Год назад +140

    I like the fact you take time to educate us. Thanks

  • @professionaltaxservices-ly3063
    @professionaltaxservices-ly3063 Год назад +7

    Thanks!

    • @clearvaluetax9382
      @clearvaluetax9382  Год назад +1

      Thank you for that super thanks Professional Tax Services! I appreciate it so much!

  • @PittToNYC
    @PittToNYC Год назад +290

    Just (finally) learning the difference between an index fund and an ETF was worth the price of admission for me.

    • @LolcowFarm-qr3if
      @LolcowFarm-qr3if Год назад +6

      Because it was free 😉😉😉

    • @ryanclark9668
      @ryanclark9668 Год назад +3

      Same!! I was trying to invest in VOO and put $50/month in. I could NOT figure out how to do this until someone kindly told me that is an Index Fund (have to buy at the stocks price) not an ETF (can do fractional investing).

    • @rohanz7173
      @rohanz7173 Год назад

      @@ryanclark9668can you say that again

    • @Cioletta4
      @Cioletta4 Год назад

      @@ryanclark9668you def can; you just need to buy when the stock market is open. If it’s closed, you can only buy full shares.

    • @marciollbarroso
      @marciollbarroso Год назад +5

      Can someone explain the difference for me pls? Still trying to figure it out

  • @mrhood3977
    @mrhood3977 Год назад +67

    You've been a fav of mine for a little over a year because you have an ability to explain everything from taxes to the market in very simple ways.
    Thank you for all your hard work, and Thank You for caring about us during these times when we see so many wolf's in sheep clothing 😊

  • @WamsyAmsy
    @WamsyAmsy Год назад +35

    Very informative for the newbies like me! Appreciate it!! 👍🏻😊

  • @imanjones3807
    @imanjones3807 Год назад +8

    I needed this video...please make more for ppl who kno absolutely nothingvabout investing...I will watch this video multiple times....please make more ...thanks

  • @BlueChipMindset
    @BlueChipMindset Год назад +17

    Great video on index funds. You can't go wrong with picking ETFs or Index Funds, especially for beginners. Investing into and index that tracks the S&P 500 returns about 10.7% year over year on average. Your local bank offers less than 1/2 of 1% to hold onto your money. It's a no-brainer to go with ETFs or Index funds!

    • @rookie4582
      @rookie4582 Год назад +3

      The whole owing taxes even when you don’t sell anything is a bit concerning to me. I’m a beginner and desire to start passively investing.

    • @benjamintorres9211
      @benjamintorres9211 2 месяца назад

      @@rookie4582 index funds are easier for passively investing since you can automate the process unlike (most) etfs. However i think etfs are better for brokerage accountants and index funds are better in roths.

  • @thechameleon832
    @thechameleon832 Год назад +18

    25% VTI, 25% SCHD, 25%VGT, 25% in 15 Individual Dividend Growth Stocks- AAPL, MSFT, MCD, AOS, PEP, LOW, O, JNJ, WM, V, PG, LMT, AWR, SHW... and BRK.B because I'm a Warren Buffett fan lol. All held in M1 finance and will DCA over next 30 years!!! Good luck everyone with your investing journeys and future financial freedom 🇺🇲

  • @tonyblea6829
    @tonyblea6829 Год назад +9

    Don't really know nothing about the stock market but you explain a lot

  • @maryannbennett8602
    @maryannbennett8602 Год назад +13

    Thanks Brian, I learned so much! And I have been investing in an index fund for years. Great content!! 😊

  • @geneduclos4003
    @geneduclos4003 Год назад +3

    Great video. Thanks Brian.
    Can't seem to find a video on your RUclips page that talks about Roth conversions. Did I simply over look one/two?

  • @Dr.irenebuenavistamolina
    @Dr.irenebuenavistamolina Год назад +8

    Thank you, very helpful! my IRAs, and investment accounts are mostly index funds.

  • @l_alvarez_1k
    @l_alvarez_1k Год назад +14

    Great videos for my teens to begin to understand $$$ management! Thanks for the awesome content!

  • @hecim08
    @hecim08 Год назад +5

    Good job Brian! I like how you made animations, it's much more easy for people to imagine and understand. Keep it up! 💪

  • @josephbaginski736
    @josephbaginski736 Год назад +5

    You have a voice that isn’t tiring thank you

  • @stevec9669
    @stevec9669 11 месяцев назад +6

    Do index funds normally pay dividends and/or capital gains? Thanks.

  • @couponbee3311
    @couponbee3311 Год назад +4

    This came right on time!!!Thank you Brian for posting this. This is index funds made simple!!!!!! Clear and concise!!!!!!

  • @Likethefloat
    @Likethefloat Год назад +49

    Index funds are a great option for beginners due to their simplicity and diversification, making them a low-cost and easy way to invest in a broad market.

    • @cayleecheer
      @cayleecheer Год назад +18

      Index funds are great for everyone not just for beginners lol

  • @scott2303
    @scott2303 Год назад +7

    So professionally done. Well put together.

  • @jgg204
    @jgg204 Год назад +9

    Index fund can come in an ETF or a Mutual-class. They are both still considered index funds though

  • @kzx414
    @kzx414 Год назад +5

    Thank you this is great as I'm planning to get into stocks for the long run. 😅

  • @andrejhohnjec4106
    @andrejhohnjec4106 Год назад +5

    Thanks again. Every video so far has been so helpful and to thee point.

    • @CapitalCryptos
      @CapitalCryptos Год назад

      Wʜᴀᴛ'sᴀᴘᴘ👉🏻✚13327774824↩️↩️
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  • @justdl
    @justdl Год назад +4

    4:45 where's the research on this? All the papers i read says the opposite.

  • @Hexxum001
    @Hexxum001 Год назад +23

    Good stuff Brian. I personally love index funds/ETF's. It's a great way to make passive income. I love checking my account to see I got paid a dividend from one of my ETF's. Literally did nothing but buy the ETF and just watch the dividends come in monthly or quarterly (depending on how that particular ETF pays.)

    • @eqqq54
      @eqqq54 Год назад

      You pay ETF fees

    • @nickv4073
      @nickv4073 Год назад +4

      @@eqqq54 Its called an expense ratio and the amount you pay on an index ETF is negligible.

    • @MuvvLuvv
      @MuvvLuvv Год назад

      How and which one? I want the same experience but I have a hard time understanding. Or is all this information best kept to one self?

    • @eqqq54
      @eqqq54 Год назад

      @@MuvvLuvv I recommend you research Larry Williams investment, his investment fundamentals are easy to understand.

    • @thehungrysage
      @thehungrysage Год назад +3

      ​@@MuvvLuvv lol lots of ETFs give dividends. VOO is a good one that follows the S&P500, it has a great expense ratio. You could try others like SPY which also follows the S&P500 but has a larger expense ratio. I personally like Vanguard due to their low expense ratios. The dividends depend on how much you have invested. So don't expect 100 dollars from only 1000 dollars invested into VOO. You can google a lot of this like their expense ratios, dividend yield, life time growth etc. then decide which is the best option for you

  • @metaversegaming7645
    @metaversegaming7645 Год назад +39

    Thank you Brian for all you do. 🙏

  • @jackson15plus33
    @jackson15plus33 Год назад +9

    I appreciate your effort on educating all of us who are not as well versed in the market as others. Thank you

  • @MrJearley6
    @MrJearley6 Год назад +1

    Thank you Brian for this topic this is your subscriber on the West Coast Los Angeles. Thank you.

  • @210psychoholik
    @210psychoholik Год назад +1

    Nice think I’ll watch again

  • @lynn5746
    @lynn5746 Год назад +5

    Thank you Brian that was very concise and helpful

  • @Retiredmco
    @Retiredmco Год назад +1

    Brian great video, but you didn't mention low cost of index funds! Verses much higher cost of managed funds!

  • @jadenmosbek544
    @jadenmosbek544 Год назад +4

    Sorry if this sounds dumb I am just getting into this but would it be better to buy little amounts every so often or can I just buy a lot at once? Would it make a difference for long term

  • @buildersanswer
    @buildersanswer Год назад +3

    I have an index fund. I want to roll it into a targeted index fund right now, to try and capture the most and or lose less money in the upcoming turmoil. Want area should I target? Let's say for the next year or two

  • @bryanvega8672
    @bryanvega8672 Год назад +1

    Thank you for your sharing your knowledge. Please make a video about contract for difference. I lost a lot of money in CFD😢

  • @jonrios1389
    @jonrios1389 Год назад +9

    Been a fan of VOO for years.

  • @shockwave1126
    @shockwave1126 Год назад +2

    Do both payout dividends or only the ETFs?

  • @adammack5551
    @adammack5551 Год назад +4

    Happy 😊 Easter 🐰 Brian Kim.

  • @tolik690
    @tolik690 Год назад +4

    Brian. In the beginning you said you cannot buy Index Fund, which is true. Later in the video you said Index Fund vs. ETF. I think you meant Mutual Fund vs. ETF that track Index Fund. For example, VFIAX (Mutual Fund) vs VOO (ETF) that both track snp500 Index Fund.

    • @clearvaluetax9382
      @clearvaluetax9382  Год назад +8

      Hi Tolik, I said you can’t buy an index, but you can buy a fund that tracks the index.

  • @m0neez
    @m0neez Год назад +1

    Thanks for making this.
    Waiting for the followup video about spicifc ETF and IF .

  • @SlimJim-LongJohns
    @SlimJim-LongJohns 25 дней назад +1

    Is there a way for a financial advisor to go over if your current advisor is doing right for you?

  • @Mirシ-l1j
    @Mirシ-l1j Год назад +2

    Is there some type of commitment when it comes to index funds? I hear you say it’s bad if you’re trying to be a long time successful investor but couldn’t I just take all my profits else where after a while? Btw great vid! I found it really easy to write down all the things you taught in the beginning of the video

  • @mrhood3977
    @mrhood3977 Год назад +2

    Do you recommend using a Robinhood or E-Trade or do they have the same problems as FTX?

  • @michaelfantastic1
    @michaelfantastic1 Год назад +4

    Thank you sir. Great video. More basic investing videos please.

  • @LaFarmhouse
    @LaFarmhouse Год назад +42

    fabulous video

  • @gallen1268
    @gallen1268 Год назад +6

    Kevin is so good at simplifying complicated concepts, thanks so much!

  • @timg5171
    @timg5171 Месяц назад +1

    When would one take their gains from an index fund?

  • @christopherfanara2593
    @christopherfanara2593 Год назад +1

    Thank you!! Happy Holidays to you and your Family!!

    • @CapitalCryptos
      @CapitalCryptos Год назад

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      Sᴇɴᴅ ᴀ ᴍᴇssᴀɢᴇ ↑↑
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  • @Kevinw4040
    @Kevinw4040 Год назад +6

    Average yearly return for S&P is almost 12% for last 60 years. Index funds are way to go for most average Americans. I like VOO

    • @alinasirgaal2304
      @alinasirgaal2304 Месяц назад

      How do I invest with index funds? Which app should I use ?

  • @Upuzzleduty7454
    @Upuzzleduty7454 Год назад +1

    Mr ClearVAlue> You're awesome. Write a book. I'll buy. Keep up good works

  • @salah458
    @salah458 Год назад +2

    Please make sure to talk about small cap ETFs in your next videos, possibly the s&p smallcap 🙏🏼

    • @CONTINUUM2
      @CONTINUUM2 Год назад

      Russell 2000

    • @eqqq54
      @eqqq54 Год назад +1

      Fidelity and vanguard have a few small caps and small value index funds with low fee

    • @josephkelleher8820
      @josephkelleher8820 Год назад +1

      Vanguard has an index fund that is even more diversified than the 500 index. It's called the Vanguard Total Stock Market Index that includes both large cap and small cap companies.

  • @malleckmozeb8592
    @malleckmozeb8592 Год назад +6

    Again my brother you are the MAN for taking the time out to educate the masses . Thank you 🦾

  • @mrlion2022
    @mrlion2022 Год назад +5

    Great video, so down to detail.

  • @mobaten
    @mobaten Год назад +8

    Actually , I’m here because of Warren Buffet 😂. He said he started with Index funds at age 11.

  • @genxx2724
    @genxx2724 Год назад +2

    I needed this in 2019-2020 when I was painstakingly figuring out the differences on my own.

  • @longislanddriver6336
    @longislanddriver6336 Год назад +1

    Which index or etf,
    Would you recommend for doing options with?

  • @2cartalkers
    @2cartalkers Год назад +1

    Excellent presentation! Listen, comprehend and then act.

  • @BB-vt2vy
    @BB-vt2vy Год назад +1

    Popular funds have min buy in cost. Can you expand on fees and how one should look for them when buying an index fund? Also, how to pull money out of a fund, people say they can pull a small percentage each year to supplement their living expenses.🤑

  • @gigi11le
    @gigi11le Год назад +1

    Could you recommend an index fund? I’m not sure which to pick

    • @clearvaluetax9382
      @clearvaluetax9382  Год назад

      Yes, we will make a video on that, great suggestion Giannina!

  • @leo_nidas
    @leo_nidas Год назад +4

    Thank you!

  • @mvanwie
    @mvanwie Год назад +2

    I do stand corrected and it's part reason why I am on here but considering the recent economic reaction, how safe are indexes? considering the fact that index funds only track the s&p 500 and most blue chips are underperforming.

  • @walanderson225
    @walanderson225 Год назад +12

    I really appreciate this type of content . I am definitely interested in learning more about investing and this is exactly the type of information that I needed. I appreciate you taking the time to be very concise, patient, and thorough with introducing information to people that are beginners in this area. You are greatly appreciated.

  • @tim.morris77
    @tim.morris77 10 месяцев назад +117

    Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 17k in last month 2024 Investing with Juliana Heidi

    • @josephmarous4679
      @josephmarous4679 10 месяцев назад

      Wow that's huge, how do you make that
      much monthly?

    • @bryanvaughn2
      @bryanvaughn2 10 месяцев назад +1

      Honestly? I'm so excited. Juliana Heidi strategy has normalized winning trades for me also. and it's a huge milestone for me looking back to how it all started

    • @tim.morris77
      @tim.morris77 10 месяцев назад

      *She's on telegrams mostly, using the user name.*

    • @tim.morris77
      @tim.morris77 10 месяцев назад

      @HEIDI39...That's it💯

    • @kevingutierrez-nc8gw
      @kevingutierrez-nc8gw 10 месяцев назад

      I was big on gold and silver but few months ago, i discovered BTC and ETH potentials. Listening to lots of stuffs from Juliana HeiDi has been really helpful in my journey..

  • @MiguelAngel-ir3ck
    @MiguelAngel-ir3ck Год назад

    Using the compound calculator can also help put the numbers more real in terms of how much you put in and the amount of time

  • @justinhudson6561
    @justinhudson6561 3 месяца назад +3

    I had problem comprehending trading in general. I tried watching other RUclips trading channels, but they made the concepts more complicated. I was almost giving up until when i discovered content and explain everything in detail. The videos are easy to follow

  • @larry7463
    @larry7463 Год назад

    Thank you. Really very thorough and understandable explanation of the basics. Great channel!

  • @AF_2032
    @AF_2032 Год назад +1

    Love the content. Keep it coming!🙏

  • @b10mav14
    @b10mav14 Год назад +1

    Great video as always. Can you give us an update on FedNow, the potential new BRIC currency, and the affect these will have on the US dollar?

  • @m0neez
    @m0neez Год назад +1

    Thank you Mr. B for sharing valuable information.

  • @raymi9436
    @raymi9436 Год назад +3

    Thank you for this!!

    • @CapitalCryptos
      @CapitalCryptos Год назад

      Wʜᴀᴛ'sᴀᴘᴘ👉🏻✚13327774824↩️↩️
      Sᴇɴᴅ ᴀ ᴍᴇssᴀɢᴇ ↑↑
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  • @douglaswhite9777
    @douglaswhite9777 Год назад

    Well done on the program of index funds. If you are able to do it, is it possible you could tell the public about index annuities and how they work down the road if possible well done with this program. Great job, great format really well done God bless and protect you and yours along live the republic.

  • @ElmaRivera-h5z
    @ElmaRivera-h5z Год назад

    Really informative and helpful video, thanks!

  • @gillyOO7
    @gillyOO7 Год назад +2

    Have you already covered the 2X 3X ETFs and the risks as with the popular TQQQ SQQQ. I hear some youtubers say they are loading up on at times etc but dont talk about the risks involved with those as with UVXY and others.

  • @ksmith2852
    @ksmith2852 Год назад +1

    How about a Gold index fund? Any recommendations.

  • @clarenceishmael9615
    @clarenceishmael9615 Год назад

    Really good and useful info! Thank you. 👏🏾👏🏾

  • @MsAlonzo26
    @MsAlonzo26 Год назад +1

    Thank you! I wish you a nice day too!

  • @MidnightToker454
    @MidnightToker454 Год назад +5

    Happy Good Friday sir!

  • @bertTheGod
    @bertTheGod Год назад +5

    Appreciate it man , you made this video just as i am about to jump into stocks. 22 hope i can become wealthy by 35

    • @anonyghost7422
      @anonyghost7422 Год назад +3

      If I may offer some honest advice, readjust your expectations on becoming wealthy in 13 years. Not how this works unless you grind and create something that sells, you are likely to be on a good track but nowhere near wealthy by 35. You have time, use it to your advantage and passively invest while you build whatever up. Keep hustling

    • @bertTheGod
      @bertTheGod Год назад

      @@anonyghost7422 appreciate it, when i say wealthy i mean i only would have to work a part time job have a fast car decent apartment, dividend investing was gonna be my first start

  • @comicbookmoney3286
    @comicbookmoney3286 Год назад +1

    good stuff, look forward to the next video on this topic, please suggest some low cost good ai index or etf, international index funds tech or mineral etc...keep up the good work

  • @DZetti_Collection
    @DZetti_Collection Год назад +5

    Brian we want a follow up to yesterdays video!

  • @paulfredrickson2181
    @paulfredrickson2181 Год назад +1

    Thank you Brian for your information.

  • @JustJeffwilldo
    @JustJeffwilldo Год назад +2

    Another great informative video! Thanks!

  • @GTRrocker84
    @GTRrocker84 Год назад +1

    Been piling my money into a target date fund and VT. Hopefully my hypothesis is correct and international starts outperforming.

    • @idiocracyishere4531
      @idiocracyishere4531 Год назад

      Why would international out perform? Millions of refugees will not save the EU. That aging population will need more care and the new refugees also burden the systems. See Japan, same issue. Everyone is poor in Europe.

  • @zackgeorg
    @zackgeorg Год назад +6

    Hi Brian! Great video! Also is it possible to increase the funding goal for Gigastar? I would really like to invest!

    • @clearvaluetax9382
      @clearvaluetax9382  Год назад +4

      Yes. We are definitely thinking about a 2nd round shortly.

  • @jamesm28
    @jamesm28 Год назад +1

    Really informative and helpful video, thanks!

  • @henryterranauta9100
    @henryterranauta9100 Год назад

    Great 👍🏼 thanks 🙏🏽

  • @kathleenmckenna8578
    @kathleenmckenna8578 11 месяцев назад +9

    I really want to invest but have absolutely no knowledge about investing by myself. I am 61 should of started at 20, but parents weren’t knowledgeable either. Thx

  • @roe2123
    @roe2123 Год назад +7

    Can you make a video on the options one would have to move their money from a 401k plan to other plans, like gold.

  • @Binsabar
    @Binsabar Год назад +15

    Why don't you just trade Stocks, with $10 k you should be making up to 3,700 monthly after tax under good management plus risk is covered, this is my fourth month trading and I'm glad I started

    • @inix2057
      @inix2057 Год назад

      How so buddy, how can I trade without prior knowledge can you help me out

    • @olivia4182
      @olivia4182 Год назад

      For me personally, any investment that’s less than 3 % rate of returns I wouldn’t even bother to waste my time because you have to consider inflation as well which is eroding your purchasing power by 2-3 % a year on average and in 2022, US inflation rate hits 8.3 %

    • @Binsabar
      @Binsabar Год назад

      I had to get an expert, Sir Eric Arlto to manage my Stocks portfolio as I have no skills for that, my portfolio has been growing up weekly depending on market conditions and this is the sixth month for me

    • @inix2057
      @inix2057 Год назад

      Can I have your trader’s mail to reach him

    • @Binsabar
      @Binsabar Год назад

      Arltoeric

  • @thierry7290
    @thierry7290 5 месяцев назад

    Thank you! super clear!

  • @stephenrogers4537
    @stephenrogers4537 Год назад +2

    Good afternoon Brian👋🏻, hope this day is Bountiful and successful for you👍 and yours ❤happy Easter BROTHER!
    BRIAN THE PODCAST🦁 LION
    (the Walter Cronkite of podcasts)🏆

  • @springatwater5568
    @springatwater5568 Год назад +1

    Good information. Thank you

  • @zhizhong92
    @zhizhong92 Год назад +1

    Awesome video man. Very helpful

  • @maureenbennett809
    @maureenbennett809 3 месяца назад

    Thank you for your honesty 😄

  • @jimbomacgee3499
    @jimbomacgee3499 Год назад

    Awesome AWESOME explanations. No bullshit, straight to the point and extremely clear. Love it!!

  • @Rocket_Man
    @Rocket_Man Год назад +1

    So say a guy like me, who is into tha tech sector & game sector(finance side) would you think take2 is a decent choice wit there moves lately? Or an ETF/Index that covers that sector wit them in it?

    • @Rocket_Man
      @Rocket_Man Год назад

      I’ve made my choice, I would like ta get your perspective & style input on this subject!

    • @Rocket_Man
      @Rocket_Man Год назад

      I would follow tha comp instead of just more/less a passive play tho

  • @stegs411
    @stegs411 Год назад

    Great video, can’t wait for the next one on your pics

  • @2cartalkers
    @2cartalkers Год назад +1

    Have you done a video on robo-advisors, the pros/cons and comparison between them such as Schwab, Vanguard, etc? If not, it would be great if you could do one?