Amazing video, you work for 40 years to have $1 million in retirement, while some people are only investing $10k in trading just a few months ago and are now multimillionaires
A very helpful and clear video. I am starting my investment journey and I bringing my friends along. so I watch your videos to digest and explain better to my friends in UK. Thanks Chidera.
Thank you Chidera for sharing this video, I always watch your finance videos, and I have learnt and acted on them and they always yeilds. So thanks again!
Really insightful, can I ask what criteria you consider for picking your stocks and funds. I understand some are quite obvious from your video, but do you have a list e.g - Market performance overtime - Map cap (fund size) - Website that provide market analysis - Financial resource you leverage on etc
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. I’m considering moving my entire portfolio to a different app. Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
Understand your goals before you start, long term or short term? want dividend or accumulate your dividend. You can start with as little as £10 per month. Thread carefully because you can lose money. If you're new to this, ETF is a safe pad. Avoid fees if you're starting new, Vanguard has charges but you can get their fund on other free platform. Going into stocks? Try reading up about specific stock, the company and their trend over time. You will own fractional shares, you build over time. Diversity your portfolio, if one company is going red in a day, other are green which keeps you earning balanced.
Your funds are overlapping. You think you are diversified but your diversification are still revolving around similar companies. For example, your Microsoft, Nvidia and co, share the bulk of your 29+% invested in S&P 500. You may consider excluding high weighted stocks in S&P from your dividend paying stocks. NFA. Investing in actual Gold is a good one, not the paper contract aka fund. NFA.
Yeah I agree with this. Which is why I said I was gonna rebalance. For example I owned a lot of the Nvidia stock last year then drastically reduced it as I noticed it had a high weighting in the S&P 500, so yeah thanks for the feedback 👍🏽
Thanks for being kind to show us your investment choices. Please I would like to know if you buy this funds ( put money) on monthly basis despite the volatility of the markets?
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. 10% is with Trading 212, I’m also considering moving my entire portfolio to this app. Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. I’m considering moving my entire portfolio to a different app. Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
Good morning Chi. Thanks for sharing your experience, please how do i purchase stocks, bond and funds? I have moneybox currently but need guidance on how to buy stocks, bonds and fund. thank you for your support.
I know this is for Childera, but I will give you my experience with some apps I have been using. Moneybox is good for LISA and saving but it’s a bit expensive for stocks, platform fees, management fees etc but other apps like trading 212 are more affordable. It offers both etfs and individual stocks. Vanguard was ok but has introduced a monthly fee but this one is for funds, bonds and etfs. Invest engine is for etfs only and doesn’t charge any fee to use their platform. You can go ahead and watch RUclips videos about investing. Do not copy what they do but just to learn how to start.
The ones that pay dividends will have dist on them meaning distributing. As Chidera said, the ones that re-invest your dividends have acc meaning accumulating.
Thanks Sen Sis 😊 Good to hear from you. I invest more on stocks, haven't invested on funds, maybe I will take a closer look at it this year. Thanks again ❤
Thanks for sharing your insight. Why do you invest in more stable assets like bonds and gold if you have a very long term horizon? Personally, I would have thought you let stocks do the heavy lifting and generate the growth (although volatile). Maybe a few years towards when you will be needing the money, you can start rebalancing with gold and bonds to get stability... Just my thoughts.
Good observation! If you also noticed I said last year I had a heavy weighting of stocks to funds before rebalancing it. As you can imagine, I’m also still tryna find the right balance for my portfolio. I intend to rebalance this year and have probably like 20% stocks
@@ChideraPeters thank for the response, we are all learning everyday. You are on the right track, just by investing at all as many people don't even invest at all... So well done and good luck. I started my journey 5 years ago mainly investing on low cost well diversified index fund through vanguard and it's been one of the best decisions. All the best.
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. I’m also considering moving my entire portfolio to a different app. Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
Thank you for the video. I plan to choose a platform that offers SIPPs, SIPP Junior Sipps, stock, and shares. Can you give samples of platforms you use?
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. While 10% is with Trading 212. I’m also considering moving my entire portfolio to this platform Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
Very good information you just dished out. I think knowing when to buy stocks and funds is also important. Some people buy stocks/funds when the price is high and they are discouraged to keep going when price comes down.
You can’t predict the stock market. Just invest and pound cost average when stock prices fall and if you’re in it for the long term, it will pay out. I started investing in 2021 when the stock market was high, dropped in 2022 and I kept buying and now the market has surpassed the rise in 2022. In the long run, the stock market will rise.
Hi 👋🏾 that’s called timing the market and it’s not the best approach to investing. Rather invest regularly with consistent amounts regardless of the market conditions. This is called dollar cost averaging
@@ChideraPeters that’s what I wanted to say but didn’t bring it well. Yes it’s true you can’t time the market. It’s always good to be in it for the long time to get benefits. Keep investing no matter the market trends. I started when they were high, kept on investing even when they were low. I never phrased well but you did. Thanks a lot for your work. Dollar cost yes, but I love me my pound. That’s why I pound cost 🤩
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. I’m also considering moving my entire portfolio to a different app. Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
@ChideraPeters thanks for your honesty, the app is not available in my country anyways. I started using etoro but I found out most people never talk about it so I am wondering if it's a good choice
Quite an insightful and easy-to-follow expository on stocks, funds, and bonds investments. Thank you Chidera. Please could share which investment fintech app you use for your portfolio investments?
Thanks for the feedback! So I have most of my portfolio on the Plum money app, when I started investing they had a free plan but now you have a pay a monthly subscription to invest in the app. This is why I’m considering moving my entire portfolio to a platform that doesn’t charge platform fees eg trading 212
I don’t trade. I invest and hold for long. 90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. I’m considering moving my entire portfolio to a different app. Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
To think I was just looking at what toninvest in and boom your notification came through. You are really intelligent and research really well Weldone 😊
@Chidera Peters. Thank you for your video. However, I noticed you avoided questions from your fans - based on what platforms are you using. Making 3k in one year is unbelievable. Prove it by showing us. (I personally don't believe your story). And how much money did you invest in one year. Explaining general terms doesn't help. Investments are about not being greedy and being patient.
lol 😂 I literally have a video where I show this in detail including how much I invested to get that return. Please don’t say what you don’t know. And it’s okay that personally you don’t believe me- I wasn’t sharing for your personal confirmation. I have also mentioned the investing platforms I use in previous videos, the platform I started with now charges fees to invest so stating it would be like a recommendation of which I don’t want it to come across that way as there are platforms that don’t charge fees to invest. Please get your facts right, seems you’re new here
I am a first time investor and I still can not rap my head around all this huge JARGONS. I have been running from one video to another, from RUclips to TikTok, since last month and I’m still lost 😢
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Amazing video, you work for 40 years to have $1 million in retirement, while some people are only investing $10k in trading just a few months ago and are now multimillionaires
I just want to take this opportunity to say a big thank you to Maria Anna and her strategy, it has changed my life.
I am new to this cryptocurrency thing
Any recommendations?
She's mostly on Telegram, using the username
Yes ,Telegram
Incommore
A very helpful and clear video. I am starting my investment journey and I bringing my friends along. so I watch your videos to digest and explain better to my friends in UK. Thanks Chidera.
Glad it was helpful! And rooting for you and your friends!👏🏽👏🏽👏🏽
Thank you Chidera for sharing this video, I always watch your finance videos, and I have learnt and acted on them and they always yeilds. So thanks again!
Aww thanks for the feedback! And you’re welcome ♥️
Really insightful, can I ask what criteria you consider for picking your stocks and funds. I understand some are quite obvious from your video, but do you have a list e.g
- Market performance overtime
- Map cap (fund size)
- Website that provide market analysis
- Financial resource you leverage on etc
Really insightful. Thank you so much
What app do you use for these investments?
@chidera
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. I’m considering moving my entire portfolio to a different app.
Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
I opened a plum account using your link and have savings in cash isa and plum interest.Which app is best for investment that doesn’t charge any fee
Understand your goals before you start, long term or short term? want dividend or accumulate your dividend. You can start with as little as £10 per month. Thread carefully because you can lose money. If you're new to this, ETF is a safe pad. Avoid fees if you're starting new, Vanguard has charges but you can get their fund on other free platform. Going into stocks? Try reading up about specific stock, the company and their trend over time. You will own fractional shares, you build over time. Diversity your portfolio, if one company is going red in a day, other are green which keeps you earning balanced.
Love this! I've subscribed 👏🏻
Yay! Thank you!
Insightful! Well done
🤭 thank youuuu
Your funds are overlapping. You think you are diversified but your diversification are still revolving around similar companies. For example, your Microsoft, Nvidia and co, share the bulk of your 29+% invested in S&P 500. You may consider excluding high weighted stocks in S&P from your dividend paying stocks. NFA. Investing in actual Gold is a good one, not the paper contract aka fund. NFA.
Yeah I agree with this. Which is why I said I was gonna rebalance. For example I owned a lot of the Nvidia stock last year then drastically reduced it as I noticed it had a high weighting in the S&P 500, so yeah thanks for the feedback 👍🏽
@taiwooladayo- please kindly help me in investing in the right stock. I have tried a few that doesn't work
@remsam2944 I am not a financial advisor. Thank you for the acknowledgement.
Thanks a lot
Thanks for being kind to show us your investment choices. Please I would like to know if you buy this funds ( put money) on monthly basis despite the volatility of the markets?
Hi 👋🏾 I invest the same amount every month. I basically have a direct debit that goes into my investments once I get paid
@ oh great, will definitely do same. You are my inspiration 🥰
Clearly explained, thank you!
You’re welcome!
I couldn't see much but I think there is a baby on the way. congratulations
Thank you, am thinking of starting but I need to have more knowledge.
You can do it!
Great video, thank you.
Glad you liked it!
I have nvida, Tesla, Amazon single stocks, snp500 and vanguard global ftse. Just started last last year and it’s paying off
That’s amazing! 👏🏽👏🏽 Well done
How did you do it please? Could you share?
Please what is the name of the investment app u usee is it trading 212
Hi chidera.. yhank you for the video. So what app or plat form do you use for trading?
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best.
10% is with Trading 212, I’m also considering moving my entire portfolio to this app.
Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
congrats on 50K
Thank you so much 😀
Congratulations Chi🤰🏽🤰🏽🤰🏽
lol 😂 not sure what this means
Thank you so much 💓
You’re most welcome!
Amazing ❤
Thank you!
Thanks Childera.
Do you have one platform you invest all these on?
If yes, could you kindly share?
Thanks🥰🤗
Trading 212
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. I’m considering moving my entire portfolio to a different app.
Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
Good morning Chi. Thanks for sharing your experience, please how do i purchase stocks, bond and funds? I have moneybox currently but need guidance on how to buy stocks, bonds and fund. thank you for your support.
I know this is for Childera, but I will give you my experience with some apps I have been using. Moneybox is good for LISA and saving but it’s a bit expensive for stocks, platform fees, management fees etc but other apps like trading 212 are more affordable. It offers both etfs and individual stocks. Vanguard was ok but has introduced a monthly fee but this one is for funds, bonds and etfs. Invest engine is for etfs only and doesn’t charge any fee to use their platform. You can go ahead and watch RUclips videos about investing. Do not copy what they do but just to learn how to start.
Hi 👋🏾 I think Lydia has done justice to giving you a detailed reply
Hi Chidera, thank you so much for this video really insight. Please how do we know those that pays dividends ?
The ones that pay dividends will have dist on them meaning distributing. As Chidera said, the ones that re-invest your dividends have acc meaning accumulating.
Hi 👋🏾 so a google search on this will help. That’s literally what I did.
“ What stocks pay dividends? “ and you’d see the results
Thank you Chidera
Thanks Sen Sis 😊
Good to hear from you.
I invest more on stocks, haven't invested on funds, maybe I will take a closer look at it this year. Thanks again ❤
Nice, funds are more diversified and will be a good addition to your portfolio 👍🏽
Thanks for sharing your insight. Why do you invest in more stable assets like bonds and gold if you have a very long term horizon? Personally, I would have thought you let stocks do the heavy lifting and generate the growth (although volatile). Maybe a few years towards when you will be needing the money, you can start rebalancing with gold and bonds to get stability... Just my thoughts.
Good observation! If you also noticed I said last year I had a heavy weighting of stocks to funds before rebalancing it. As you can imagine, I’m also still tryna find the right balance for my portfolio. I intend to rebalance this year and have probably like 20% stocks
@@ChideraPeters thank for the response, we are all learning everyday. You are on the right track, just by investing at all as many people don't even invest at all... So well done and good luck. I started my journey 5 years ago mainly investing on low cost well diversified index fund through vanguard and it's been one of the best decisions. All the best.
What trading platform do you use thanks
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. I’m also considering moving my entire portfolio to a different app.
Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
@ thanks Chidera.
Before you move please do a tutorial on how it works.
Thank you for the video. I plan to choose a platform that offers SIPPs, SIPP Junior Sipps, stock, and shares. Can you give samples of platforms you use?
Vanguard
Money box
Hargreaves
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best.
While 10% is with Trading 212. I’m also considering moving my entire portfolio to this platform
Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
Thank you
You're welcome
Sorry dumb question but where would u invest in this . Using the website or ur bank . Thank you for your video. Very clear : 🎉 amazing
Oh nothing like a dumb question. Best to ask for clarification, I use an investment app. Not a bank
@@ChideraPeters which App abeg
Very good information you just dished out. I think knowing when to buy stocks and funds is also important. Some people buy stocks/funds when the price is high and they are discouraged to keep going when price comes down.
You can’t predict the stock market. Just invest and pound cost average when stock prices fall and if you’re in it for the long term, it will pay out. I started investing in 2021 when the stock market was high, dropped in 2022 and I kept buying and now the market has surpassed the rise in 2022. In the long run, the stock market will rise.
Hi 👋🏾 that’s called timing the market and it’s not the best approach to investing. Rather invest regularly with consistent amounts regardless of the market conditions. This is called dollar cost averaging
@@ChideraPeters that’s what I wanted to say but didn’t bring it well. Yes it’s true you can’t time the market. It’s always good to be in it for the long time to get benefits. Keep investing no matter the market trends. I started when they were high, kept on investing even when they were low. I never phrased well but you did. Thanks a lot for your work. Dollar cost yes, but I love me my pound. That’s why I pound cost 🤩
This was helpful... however how do you keep track of all this if I may ask...
Thank you
Hi 👋🏾 how do you mean? It’s all in one app and easy for me to follow
@ChideraPeters thank you for your response.. I will do my due diligence because I interested already..
I always wanted to invest in Gold but did not know where to start. Any advice?
Most investment platforms should have Gold ETFs similar to the one I invested in. So you just need a gold fund
What stockbroker do you use?
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. I’m also considering moving my entire portfolio to a different app.
Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
@ChideraPeters thanks for your honesty, the app is not available in my country anyways. I started using etoro but I found out most people never talk about it so I am wondering if it's a good choice
Quite an insightful and easy-to-follow expository on stocks, funds, and bonds investments. Thank you Chidera.
Please could share which investment fintech app you use for your portfolio investments?
Thanks for the feedback! So I have most of my portfolio on the Plum money app, when I started investing they had a free plan but now you have a pay a monthly subscription to invest in the app. This is why I’m considering moving my entire portfolio to a platform that doesn’t charge platform fees eg trading 212
Perfect. Thanks for sharing! And lest I forget, your Substack newsletters are special.
Hello chimera thanks for your information please how do i connect with you for more clarification. Thanks
Hi 👋🏾 you can reach out to me on Instagram @thechiderapeters
Childers which app do you trade on please
I don’t trade. I invest and hold for long.
90% of my portfolio is with Plum money app which is the investing app I use but they charge fees to invest now so it’s not the best. I’m considering moving my entire portfolio to a different app.
Here’s the link to Plum prf.hn/click/camref:1011l3Tbxs
I invested with an asset management company in Nigeria, and my return last year was 1200% in 12 months.(Equity Fund)
What fund is that?
lol if the returns sounds too good to be true it’s never a good sign
@@abokoeguale9783 I think this is a bot. 🤣
To think I was just looking at what toninvest in and boom your notification came through.
You are really intelligent and research really well
Weldone 😊
Aww I appreciate that! Hopefully this video helps 🙌🏽✨
@Chidera Peters. Thank you for your video. However, I noticed you avoided questions from your fans - based on what platforms are you using. Making 3k in one year is unbelievable. Prove it by showing us. (I personally don't believe your story). And how much money did you invest in one year. Explaining general terms doesn't help. Investments are about not being greedy and being patient.
lol 😂 I literally have a video where I show this in detail including how much I invested to get that return. Please don’t say what you don’t know.
And it’s okay that personally you don’t believe me- I wasn’t sharing for your personal confirmation.
I have also mentioned the investing platforms I use in previous videos, the platform I started with now charges fees to invest so stating it would be like a recommendation of which I don’t want it to come across that way as there are platforms that don’t charge fees to invest.
Please get your facts right, seems you’re new here
@@ChideraPetersplease which of the platforms don't charge fees for investment
did you download the Microsoft app and add in some money, or did you go to their office to make an investment ? I need some clarity please.
Trading 212
Oh no I just bought their stocks in the app
I am a first time investor and I still can not rap my head around all this huge JARGONS. I have been running from one video to another, from RUclips to TikTok, since last month and I’m still lost 😢
Thanks for the informative video. Can I please ask how much you invested to make over £3000 in a year?
1❤
lol that was quick!